A. Ukuran Utama A. Key Metrics (dalam jutaan Rp in million Rp)

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A. Ukuran Utama

A. Key Metrics

(dalam jutaan Rp

in million Rp)

No.

Deskripsi

31 Maret 2021

31 Desember 2020

30 September 2020

30 Juni 2020

31 Maret 2020

Modal yang Tersedia (nilai)

Available capital (value)

1 Modal Inti Utama (CET1) Common Equity Tier 1

1,482,607 1,484,798 1,463,186 1,472,509 1,469,434

2 Modal Inti (Tier 1) Core Capital (Tier 1)

1,482,607 1,484,798 1,463,186 1,472,509 1,469,434

3 Total Modal Total Capital

1,538,496 1,539,560 1,510,710 1,520,289 1,519,450

Aset Tertimbang Menurut Risiko (Nilai)

Risk weighted assets (value)

4 Total Aset Tertimbang Menurut Risiko (ATMR) Risk weighted total assets

5,817,604 5,966,973 6,067,532 6,254,301

6,489,545

Rasio Modal berbasis Risiko dalam bentuk persentase dari ATMR

Risk-based capital ratio a percentage of ATMR

5 Rasio CET1 (%) Ratio CET1

25.49%

24.88%

24.12%

23.54%

22.64%

6 Rasio Tier 1 (%) Ratio Tier1

25.49%

24.88%

24.12%

23.54%

22.64%

7 Rasio Total Modal (%) Total ratio capital

26.45%

25.80%

24.90%

24.31%

23.41%

Tambahan CET1 yang berfungsi sebagai buffer dalam bentuk persentase dari ATMR

Additional CET1 which serves as a buffer in percentage of ATMR

8 Capital conservation buffer (2.5% dari ATMR) (%)

0.00%

9 Countercyclical Buffer (0 - 2.5% dari ATMR) (%)

0.00%

10 Capital Surcharge untuk Bank Sistemik (1% - 2.5%) (%)

0.00%

11 Total CET1 sebagai buffer (Baris 8 + Baris 9 + Baris 10)

0.00%

12 Komponen CET1 untuk buffer

0.00%

Rasio pengungkit sesuai Basel III

Leverage ratio according to Basel III

13 Total Eksposur

8,090,341 8,130,254 8,591,012 8,229,001 8,433,288

Total Exposures

14 Nilai Rasio Pengungkit, termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank

Indonesia dalam rangka memenuhi ketentuan GWM (jika ada) (%)

18.33%

18.08%

17.03%

17.89%

17.42%

The value of the lever ratio,including the impact of adjustments of temporary exceptions on placement of current account with an

indonesian bank in the context of meeting the minimum statutory reserve requirements (%)

14b

Nilai Rasio Pengungkit, tidak termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank

Indonesia dalam rangka memenuhi ketentuan GWM (jika ada) (%)

18.33%

18.08%

17.03%

17.89%

17.42%

The value of the lever ratio,does not include the impact of adjustments to the temporary exemption on the placement of current account

with an indonesian bank in the context of meeting the minimum statutory reserve requirements (%)

14c

Nilai Rasio Pengungkit, termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank

Indonesia dalam rangka memenuhi ketentuan GWM (jika ada), yang telah memasukkan nilai rata-rata dari nilai tercatat aset Securities

Financing Transaction (SFT) secara gross (%)

18.37%

19.50%

17.28%

18.08%

17.55%

Value of the leverage ratio, including the impact of adjustments to temporary exceptions on the placement of current account at bank

indonesia in the context of meeting the minimum statutory reserve requirements , included the average value of the carrying value of the

SFT assets in gross (%)

14d

Nilai Rasio Pengungkit, tidak termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank

Indonesia dalam rangka memenuhi ketentuan GWM (jika ada), yang telah memasukkan nilai rata-rata dari nilai tercatat aset SFT secara

gross (%)

18.37%

19.50%

17.28%

18.08%

17.55%

Value of the leverage ratio, not including the impact of adjustments to temporary exceptions on the placement of current account at bank

indonesia in the context of meeting the minimum statutory reserve requirements ,included the average value of the carrying value of the

SFT assets in gross (%)

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Rasio Kecukupan Likuiditas (LCR)

Liquidity adequacy ratio (LCR)

15 Total Aset Likuid Berkualitas Tinggi (HQLA) High quality total liquid assets (HQLA)

- - - - -

16 Total Arus Kas Keluar Bersih Net cash outflow

- - - - -

17 LCR (%)

- - - - -

Rasio Pendanaan Stabil Bersih (NSFR)

Net stable funding ratio (NSFR)

18 Total Pendanaan Stabil yang Tersedia (ASF) Total stable funding available

- - - - -

19 Total Pendanaan Stabil yang Diperlukan (RSF) Total stable funding required

- - - - -

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B. Struktur Pemodalan Bank B. Bank Capital Structure

Table B. Disclosure of Bank Capital Stucture

31 March 2021 31 December 2020

Bank Bank

I KOMPONEN MODAL COMPONENTS OF CAPITAL

A 1,482,607 1,484,798

1 Modal Inti Utama Common Equity Tier 1 1,482,607 1,484,798

a. Modal Disetor Paid-up Capital 231,000 231,000

b. Cadangan Tambahan Modal Disclosed Reserve 1,275,893 1,278,084 c. Faktor Pengurang Modal Inti Utama Common Equity Tier 1 Deduction Factor (24,286) (24,286) d. Kepentingan Non Pengendali Non-controlling Interest - -2 Modal Inti Tambahan Additional Tier 1 -

-B 55,889 54,762

1 Modal Pelengkap Supplementary Capital (Tier 2) : - -a. Instrumen Modal dalam bentuk Saham atau dalam bentuk Lainnya -

-Capital Instruments in the form of Shares or in any Other form

b. Agio atau Disagio yang berasal dari penerbitan instrumen modal yang tergolong sebagai Modal Pelengkap -

-Agio or Disagio derived from the issuance of equity instruments classified as supplementary capital

c. Cadangan Umum PPA atas Aset Produktif (maksimal 1,25% dari ATMR untuk Risiko Kredit) 55,889 54,762

Reserves General PPA on Earning Assets (maximum of 1.25% of Risk Weighted Assets for Credit Risk)

2 Faktor Pengurang Modal Pelengkap Supplementary Capital Deduction Factor -

-II

TOTAL CORE CAPITAL AND SUPPLEMENTARY CAPITAL (A + B) III

RISK WEIGHTED ASSETS FOR CREDIT RISK IV

RISK WEIGHTED ASSETS FOR OPERATIONAL RISK V

RISK WEIGHTED ASSETS FOR MARKET RISK VI

DAN RISIKO PASAR [II : (III + IV + V)]

MINIMUM CAPITAL ADEQUACY RATIO FOR CREDIT RISK, OPERATIONAL RISK 26.45%

RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK RISIKO KREDIT, RISIKO OPERASIONAL

KOMPONEN MODAL 5,185,138 632,466 COMPONENTS OF CAPITAL 1,538,496 1,539,560 5,286,279 680,694 ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO PASAR

- Modal Pelengkap Supplementary Capital (Tier 2)

- (dalam jutaan Rp I in million Rp)

25.80% Tabel B. Pengungkapan Struktur Permodalan Bank

AND MARKET RISK [II : (III + IV + V)]

TOTAL MODAL INTI DAN MODAL PELENGKAP (A + B)

ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO KREDIT

ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO OPERASIONAL Modal Inti Core Capital (Tier 1)

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C. Risiko Kredit C. Credit Risk

Tabel C.1. Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank Secara Individu Table C.1. Disclosure of Net Receivables by Area - Banks Individually

(dalam jutaan Rp I in million Rp) (dalam jutaan Rp I in million Rp)

Kategori Portofolio

Category Portfolio

Wilayah 1 Wilayah 2 Wilayah 3 Wilayah 1 Wilayah 2 Wilayah 3

Area 1 Area 2 Area 3 Area 1 Area 2 Area 3

(1) (2) (3) (4) (5) (6) (3) (4) (5) (6)

Tagihan kepada Pemerintah

Receivables on Sovereigns

Tagihan kepada Entitas Sektor Publik

Receivables on Public Sector Entities

Tagihan kepada Bank Pembangunan Multilateral dan Lembaga Internasional

Receivables on Multilateral Development Banks and International Institutions

Tagihan kepada Bank

Receivables on Banks

Kredit Beragun Rumah Tinggal

Loans Secured by Residential Property

Kredit Beragun Properti Komersial

Loans Secured by Commercial Property

Kredit Pegawai/Pensiunan

Employee/Retired Loans

Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

Receivables on Micro, Small Business and Retail Portfolio

Tagihan kepada Korporasi

Receivables on Corporate

Tagihan yang Telah Jatuh Tempo

Past Due Receivables

Aset Lainnya

Other Assets

Total 7,503,097 424,984 183,448 8,111,529 7,576,966 402,668 183,500 8,163,134

Area 1 : Jawa dan Bali Area 2 : Sumatera

Area 3 : Di luar Jawa, Bali dan Sumatera Outside Java, Bali and Sumatera

10,899 916,357 131,731 4,046,415 67,344 639 29 68,012 854,844 50,614 40,704 781,626 161,131 11,911 136 173,178 44,077 - - - - -46,015 - 1 46,016 31 Desember 2020 Total 2,087,453 - - 2,087,453 3,815,421 99,263 501,397 239,525 43,361 716

-Tagihan Bersih Berdasarkan Wilayah

Net Receivables by Area

-No. Total 6 7 8 11 1 2 3 4 5 9 36,441 28,413 35,804 637 10 31 Maret 2021

Net Receivables by Area

Tagihan Bersih Berdasarkan Wilayah

2,180,758 176,303 757,095 3,938,920 74,310 919,289 860,112 48,409 10,768 2,180,758 - - - -28,411 - 2 -479,930 237,940 39,225 163,744 12,429 130 3,680,508 125,100 133,312 73,830 469 11

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Tabel C.2. Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank Secara Individu Table C.2. Disclosure of Net Receivables by Contractual Maturity - Banks Individually

(1) (2) (3) (4) (5) (6) (7) (8) (3) (4) (5) (6) (7) (8)

Tagihan kepada Bank

Aset Lainnya Other Assets Total 5,760,288 216,969 310,244 904,739 919,289 8,111,529 5,749,713 219,602 327,946 949,516 916,357 8,163,134 7 8 9 114,534 189,969 336,668 368 11,530 10 11 1 2 3 4 5 6 31 Maret 2021

Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak

< 1 years >1 - 3 years >3 - 5 years >5 years Non Contractual Net Receivables by Contractual Maturity

< 1 tahun >1 s.d 3 thn >3 s.d 5 thn >5 thn Non Kontraktual

Total 919,289 74,310 3,938,920 757,095 176,303 No. 2,180,758 28,413 36,441 2,180,758 - -31 Desember 2020

Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak

Net Receivables by Contractual Maturity

< 1 tahun >1 s.d 3 thn >3 s.d 5 thn >5 thn Non Kontraktual

Total

< 1 years >1 - 3 years >3 - 5 years >5 years Non Contractual

2,087,453 - - - - - 9,511 16,016 18,378 -2,087,453 46,016 - 46,016 - - -44,077 - - - - -172 78,507 104,690 586,899 781,626 138,939 15,190 13,493 5,556 4,046,415 173,178 60,359 1,860 3,778 2,015 - 68,012 3,405,244 916,357 - - - 916,357 - - - - - - - - - - -28,413 142,294 14,908 14,171 4,930 -7,472 14,515 14,086 59,160 7,801 3,903 3,446 -11,365 76,384 101,610 567,736 - - - 919,289 3,337,930 110,404 176,045 314,541

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-Tabel C.3. Pengungkapan Tagihan Bersih berdasarkan Sektor Ekonomi - Bank Secara Individu Table C.3. Disclosure of Net Receivables by Economic Sectors - Banks Individually

(dalam jutaan Rp I in million Rp)

No. Sektor Ekonomi

Economic Sectors

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)

31 Maret 2021

Pertanian, Kehutanan, dan Perikanan

Agriculture, Forestry and Fishery

Pertambangan dan Penggalian

Mining and Quarrying

Industri Pengolahan

Manufacturing

Pengadaan Listrik, Gas, Uap/Air Panas dan Udara Dingin

Electricity, Gas and Water Procurement

Pengelolaan Air, Pengelolaan Air Limbah, Pengelolaan dan Daur Ulang Sampah

Water Management, Wastewater Management, Waste Management and Recycling

Konstruksi

Construction

Perdagangan Besar dan Eceran; Reparasi dan Perawatan Mobil dan Sepeda Motor

Wholesale and Retail Trading; Car and Motorcycle repair and maintenance

Pengangkutan dan Pergudangan

Transportation and Warehousing

Penyediaan Akomodasi dan Penyediaan Makan Minum

Hotel and Food & Beverage

Informasi dan Komunikasi

Information and Communication

Aktivitas Keuangan dan Asuransi

Financial Activity and Insurance

Real Estate

Aktivitas Profesi, Ilmiah, dan Teknis

Professional, Scientific and Technical Activities

Aktivitas Penyewaan dan Sewa Guna Usaha Tanpa Hak Opsi, Ketenagakerjaan, Agen Perjalanan dan Penunjang Usaha lainnya

Leasing and Leasing Acitivities Without Option Rights, Employment, Travel Agent, and Other Business Support

Administrasi Pemerintahan, Pertahanan, dan Jaminan Sosial Wajib

Government Administration, Defense, and Mandatory Social Security

Pendidikan

Education

Aktivitas Kesehatan Manusia dan Aktivitas Sosial

Health Services and Social Activity

Kesenian, Hiburan, dan Rekreasi

Public, Socio-Culture, Entertainment and Other Personal Services

Aktivitas Jasa lainnya

Others Services Activities

Aktivitas Rumah Tangga sebagai Pemberi Kerja

Personal Services Serving Household

Aktivitas Badan Internasional dan Badan Ekstra Internasional Lainnya

Internasional Institution Actvities and Other Extra International Agencies

Bukan Lapangan Usaha

Non Business Field

Lainnya Others Total 2,180,758 - - 28,413 36,441 - 757,095 176,303 3,938,920 74,310 919,289 757,095 3,394 861 461 - - - 10,510 - - - - - - - - - - -20 - - - - - 5,844 38,205 4,857 919,289 23 2,180,758 - - 28,413 25,931 - - - 7 8 9 1 2 3 4 5 6 10 11 12 13 14 15 16 17 18 19 21 22 7,219 65,691 13,003 671 21,441 - - - 49,668 - - - - 467 5,619 2,450 48,599 - - -19,318 - - - - - - - 730 - - - - - 3,009 - 1,235 83,326 759 - - - - - - - - - 107,012 - 370 - - - - - - - - - - 116,183 2,484,661 49,181 5,821 111,483 22 - - - - - - - - - 1,997 - 2,881 86,064 5,780 - - - - - - - - 28,659 782,323 247 177 - - - - - - - - - - -202 - - - 29,643 - -Tagihan yang Telah Jatuh Tempo Past Due Receivables Aset Lainnya Other Assets Kredit Beragun Properti Komersial Loans Secured by Commercial Property - - - - - -Tagihan kepada Pemerintah Receivables on Sovereigns Tagihan kepada Entitas Sektor Publik Receivables on Public Sector Entities Tagihan kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivables on Multilateral Development Banks and International Institutions Tagihan kepada Bank Receivables on Banks Kredit Beragun Rumah Tinggal Loans Secured by Residential Property Kredit Pegawai/ Pensiunan Employee/ Retired Loans Tagihan kepada Usaha Mikro, Usaha Kecil dan

Portofolio Ritel Receivables on Micro, Small Business and Retail Portfolio Tagihan kepada Korporasi Receivables to Corporate

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Tabel C.3. Pengungkapan Tagihan Bersih berdasarkan Sektor Ekonomi - Bank Secara Individu Table C.3. Disclosure of Net Receivables by Economic Sectors - Banks Individually

No. Sektor Ekonomi

Economic Sectors

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)

31 Desember 2020

Industri Pengolahan

Manufacturing

Konstruksi

Construction

Real Estate

Pendidikan

Education

Non Business Field

Lainnya Others Total 2,087,453 - - 46,016 44,077 - 781,626 173,178 4,046,415 68,012 916,357 916,357 838 673 -3,097 23 2,087,453 - - 46,016 33,241 22 - - - - 10,836 - 781,626 - - - - 5,220 37,367 3,009 21 - - - - - - - - -20 - - - - - - 50,258 - -19 - - - - - 2,297 93,437 157 -671 39,328 - -18 - - - - -9,069 - -17 - - - - -16 - - - - - 478 54,357 90 -15 - - - -21,166 183 -14 - - - 95,386 810 - - - - 222 12 - - - -Tagihan kepada Korporasi Receivables to Corporate Tagihan yang Telah Jatuh Tempo Past Due Receivables Aset Lainnya Other Assets Tagihan kepada Pemerintah Receivables on Sovereigns Tagihan kepada Entitas Sektor Publik Receivables on Public Sector Entities Tagihan kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivables on Multilateral Development Banks and International Institutions Tagihan kepada Bank Receivables on Banks 1 2 3 4 5 6 7 8 9 10 11 13 - 1,262 2,014 - - - - - - -3,030 - -109,472 391 - - - - - -2,493,183 57,524 6,672 125,170 350 119,016 - - - - -2,012 2,275 90,916 4,981 - - - - 28,751 791,764 235 610 - - - - - - - - - 202 - 29,662 Tagihan kepada Usaha Mikro, Usaha Kecil dan

Portofolio Ritel Receivables on Micro, Small Business and Retail Portfolio Kredit Beragun Properti Komersial Loans Secured by Commercial Property Kredit Pegawai/ Pensiunan Employee/ Retired Loans - - - -Kredit Beragun Rumah Tinggal Loans Secured by Residential Property

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-Tabel C.4. Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara Individu Table C.4. Disclosure of Receivables and Provisioning Based on Area - Banks Individually

Keterangan

Description Wilayah 1 Wilayah 2 Wilayah 3 Wilayah 1 Wilayah 2 Wilayah 3

Area 1 Area 2 Area 3 Area 1 Area 2 Area 3

(1) (2) (3) (4) (5) (6) (3) (4) (5) (6)

Tagihan

Receivables

Tagihan yang mengalami peningkatan dan pemburukan risiko kredit

Receivables With Increased and Worsening Credit Risk

a. Belum Jatuh Tempo

Non Past Due

b. Telah Jatuh Tempo

Past Due

Cadangan Kerugian Penurunan Nilai (CKPN) - Stage 1

Allowance for Impairment Losses - Stage 1

Tagihan yang Dihapus Buku

Written-Off Receivables

Area 1 : Jawa dan Bali Area 2 : Sumatera

Area 3 : Di luar Jawa, Bali dan Sumatera Outside Java, Bali and Sumatera

6,796 1,797 51,786 22,370 863 536 23,769 1,891 14,401 266 16,558 319 5,204 127,602 22,708 1,980 703 25,391 1,770 102,211 4,656 118,493 6,636 Wilayah Area Total 5,905,162 382,153 136,539 6,423,854 2,473 5 39,080 8,801 1,932 49,813 4,074 43,193 4,656 984 407 31 Desember 2020 3,374 - - 3,374 811 95,785 799 12,348 85,255 6 No. Total 1 2 3 4 6,617 2,569 103,731 6,047 17,067 725 493 18,285 9,290 2,259 5,609,119 1,770 91,383 4,358 Wilayah Area 31 Maret 2021 412,380 135,140 6,156,639 94,545

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Tabel C.5. Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individu Table C.5. Disclosure Of Receivables and Provisioning based on Economic Sectors - Banks Individually

(dalam jutaan Rp Iin million Rp)

Sektor Ekonomi

No. Economic Sectors

(1) (2) (3) (4) (5) (6) (7) (8)

31 Desember 2020

Industri Pengolahan

Manufacturing

Konstruksi

Construction

Real Estate

Pendidikan

Education

Non Business Field

Lainnya Others Total 6,423,854 25,391 102,211 23,769 5,204 51,786 16,558 - - - -6,655 601 330 19 50,258 - - 150 - - -20 -23 1,875,327 377 3,162 700 3,059 22 811,011 6,725 11,573 1,233 2,825 11,116 269 21 - - - -13 12 1 2 3 14 15 16 17 18 7 8 9 10 11 4 5 6 Tagihan Receivables Cadangan Kerugian Penurunan Nilai (CKPN) Individual Allowance for Impairment Losses Individual

Belum Jatuh Tempo

Non Past Due

92,184

1,198 5,899 498

Cadangan Kerugian Penurunan Nilai (CKPN)

Kolektif Allowance for Impairment Losses

Collective

Tagihan yang Mengalami Penurunan Nilai

Impaired Receivables Tagihan Yang Dihapus Buku Written-Off Receivables 95,259 12,781 421 332 - 264 -35,986 - - 131 - - -9,172 - - 50 - - - - - - - -56,948 1,091 125 270 451 35 -21,913 - 524 115 - 341 -92,690 - 1,927 444 - 1,117 -3,030 - - 25 - - -391 - - 1 - - -108,910 - - 332 10,453 -23,509 125,729 36 1,055 409 705 1,554 2,012 - - 16 -2,230,223 3,183 77,021 14,726 7,748 504 4,169 918 - 1 -501 - - 3 -782,576 29,532 - - 164 -

Telah Jatuh Tempo

Past Due 202 555 1,034 9

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Tabel C.5. Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individu Table C.5. Disclosure Of Receivables and Provisioning based on Economic Sectors - Banks Individually

(dalam jutaan Rp Iin million Rp)

Sektor Ekonomi

No. Economic Sectors

(1) (2) ₍₃₎ ₍₄₎ ₍₅₎ ₍₆₎ ₍₇₎ ₍₈₎ ₍₉₎

31 Maret 2021

Industri Pengolahan

Manufacturing

Konstruksi

Construction

Real Estate

Pendidikan

Education

Non Business Field

Lainnya Others Total 6,156,639 12,348 91,383 18,285 6,047 49,813 3,374 22 21 23 20 19 13 14 15 16 17 18 7 8 9 10 11 12 1 2 3 4 5 6 Tagihan Yang Dihapus Buku Written-Off Receivables Impaired Receivables

Belum Jatuh Tempo

Non Past Due

Telah Jatuh Tempo

Past Due

Cadangan Kerugian Penurunan Nilai (CKPN)

Stage 3 Allowance for Impairment Losses

Collective

Tagihan

Receivables

Tagihan yang Mengalami Penurunan Nilai

Cadangan Kerugian Penurunan Nilai (CKPN) Stage 1 Allowance for Impairment Losses Individual Cadangan Kerugian Penurunan Nilai (CKPN) Stage 2 Allowance for Impairment Losses Individual 1 - - -29,503 - - 182 - - -202 -772,521 459 504 3,908 101 257 12 - 88 - - 1 88,813 - 7,110 420 - 1,330 -1,997 -8 -2,228,723 4,157 65,326 9,670 2,162 22,583 219 - 10,453 3,360 109,654 - 30 217 370 - - 1 - - -106,448 -1,167 -3,009 - - 19 - 119 - 75,025 - 1,926 444 51,049 - - 286 - - -20,048 - - - - 26 - 4,886 - - 29 83,275 610 421 1,166 267 199 -18,104 -49,668 - - 125 - - - - - - 787,549 7,122 11,902 1,361 3,477 11,751 14 1,725,707 - 4,164 79 40 2,065

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Tabel C.6. Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank secara Individu Table C.6. Movements of Impairment Provision Disclosure - Banks Individually

Keterangan CKPN Stage 1 CKPN Stage 2 CKPN Stage 3 CKPN Stage 1 CKPN Stage 2 CKPN Stage 3

Description

(1) (2) (3) (4) (5) (3) (4) (5)

Saldo Awal CKPN

Beginning balance - allowance for impairment losses

Pembentukan (pemulihan) CKPN pada periode berjalan (Net)

Provision (reversal) allowance for impairment losses during the year (Net)

2.a. Pembentukan CKPN pada periode berjalan

Provision allowance for impairment losses during the year

2.b. Pemulihan CKPN pada periode berjalan

Reversal allowance for impairment losses during the year

CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada periode berjalan

Allowance for impairment losses used for written-off receivables during the year

Pembentukan (pemulihan) lainnya pada periode berjalan

Other provision (reversal) of allowance during the year

Saldo akhir CKPN Ending Balance (16,453) 51,786 31 Desember 2020 Allowance for Impairment Losses Stage 3 44,046 (9,523) 33,716 Allowance for Impairment Losses Stage 1 18,285 31 Maret 2021 Allowance for Impairment Losses Stage 1 (6,548) 1,064 Allowance for Impairment Losses Stage 2 (1,085) (14,675) 1 2 3 23,769 4 1,150 1,630 8,552 14,171 6,470 1,928 (3,374) 6,047 49,813 23,769 5,204 (104) (1) -16,076 (2,895) Allowance for Impairment Losses Stage 2 -Allowance for Impairment Losses Stage 3 5,204 51,786

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Tabel C.7. Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat - Bank secara Individu Table C.7. Disclosure of Net Receivables by Portfolio and Rating Category - Banks Individually

Tagihan Bersih Net Receivables

Lembaga Pemeringkat

Rating Agencies

Kurang dari B- Kurang dari A-3

Lower than B- Lower than A-3

Kurang dari B- Kurang dari F3

Kategori Portofolio Lower than B- Lower than F-3

Category Portfolio Kurang dari B3 Kurang dari P-3

Lower than B3 Lower than P-3

Kurang dari B-(idn) Kurang dari F3(idn)

Lower than B-(idn) Lower than F3(idn)

Kurang dari idB- Kurang dari idA4

Lower than idB- Lower than idA4

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Tagihan kepada Bank

Aset Lainnya Other Assets 7 8 9 10 11 No. 1 2 3 4 5 6 176,303 176,303 74,310 74,310 919,289 919,289 3,938,920 36,441 36,441 757,095 757,095 3,938,920 8,083,116 8,111,529 Total 8,638 910 3,143 15,722 - - - - - - -28,413 - - - 8,638 910 3,143 15,722 - - - - - - - - - - - - - - - - 2,180,758 2,180,758 - - - -id B+ to id B- idA1 idA2 idA3 to id A4 - - - - -F3(idn) P-3 PT. Fitch Ratings

Indonesia AAA (idn)

AA+(idn) to AA-(idn) A+(idn) to A-(idn) BBB+(idn) to BBB-(idn) BB+(idn) to BB-(idn) B+(idn) to B-(idn) F1+(idn) to F1(idn) F3

Moody's Aaa Aa1 to Aa3 A1 to A3 Baa1 to Baa3 Ba1 to Ba3 B1 to B3 P-1

BB+ to BB- B+ to B- A-1

Fitch Rating AAA AA+ to AA- A+ to A- BBB+ to BBB- BB+ to

BB-PT Pemeringkat

Efek Indonesia idAAA idAA+ to

idAA-idA+ to id

A-Tanpa Peringkat

Without Rating Total

Standard and

Poor's AAA AA+ to AA- A+ to

A-id BB+ to id BB A-3 A-2

Peringkat Jangka panjang Peringkat Jangka Pendek

Long Term Rating Short Term Rating

BBB+ to BBB-P-2 31 Maret 2021 B+ to B- F1+ to F1 F2 - -F2(idn) id BBB+ to id

(13)

BBB-Tabel C.7. Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat - Bank secara Individu Table C.7. Disclosure of Net Receivables by Portfolio and Rating Category - Banks Individually

Tagihan Bersih Net Receivables

Lembaga Pemeringkat

Rating Agencies

Kurang dari B- Kurang dari A-3

Lower than B- Lower than A-3

Kurang dari B- Kurang dari F3

Kategori Portofolio Lower than B- Lower than F-3

Category Portfolio Kurang dari B3 Kurang dari P-3

Lower than B3 Lower than P-3

Kurang dari B-(idn) Kurang dari F3(idn)

Lower than B-(idn) Lower than F3(idn)

Kurang dari idB- Kurang dari idA4

Lower than idB- Lower than idA4

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

Tagihan kepada Bank

Aset Lainnya Other Assets 9 10 11 3 4 5 6 7 8 id B+ to id B- idA1 idA2 idA3 to id A4 1 2 No.

Peringkat Jangka panjang Peringkat Jangka Pendek

PT Pemeringkat

Efek Indonesia idAAA idAA+ to

idAA-idA+ to id A-id BBB+ to id BBB-id BB+ to id BB-B+(idn) to B-(idn) F1+(idn) to

F1(idn) F2(idn) F3(idn)

B1 to B3 P-1 P-2 P-3

PT. Fitch Ratings

Indonesia AAA (idn)

AA+(idn) to AA-(idn) A+(idn) to A-(idn) BBB+(idn) to BBB-(idn) BB+(idn) to BB-(idn) B+ to B- F1+ to F1 F2 F3

Moody's Aaa Aa1 to Aa3 A1 to A3 Baa1 to Baa3 Ba1 to Ba3

BB+ to BB- B+ to B- A-1 A-2 A-3

Fitch Rating AAA AA+ to AA- A+ to A- BBB+ to

BBB-Tanpa Peringkat

Without Rating Total

Standard and

Poor's AAA AA+ to AA- A+ to A- BBB+ to

BBB+ to

BB-Long Term Rating Short Term Rating

173,178 173,178 68,012 68,012 916,357 916,357 4,046,415 44,077 44,077 781,626 781,626 - 8,117,118 8,163,134 Total 20,367 458 15,783 9,408 - - - - - - - - 4,046,415 - - 46,016 - - - - -20,367 458 15,783 9,408 - - - - - - - - - -2,087,453 - - - - - - - - - 2,087,453 - - - - -31 Desember 2020

(14)

Tabel C.8. Pengungkapan Risiko Kredit Pihak Lawan (Counterparty Credit Risk) - Bank secara Individu Table C.8. Disclosure of Counterparty Credit Risk - Banks Individually

(dalam jutaan Rp in million Rp)

Variabel yang Mendasari

Underlying Variable

Transaksi Derifatif Over the Counter Derivatif Transactions Suku Bunga Interest rate Nilai Tukar Exchange rate Lainnya Other Total Total - - - - - - - - - - - - - - - -Kategori Portofolio Category Portfolio (1) (2) Transaksi Repo Repo Transactions

Tagihan kepada Bank

Total Total

(1) (2)

Transaksi Reverse Repo Reverse Repo Transactions

Tagihan kepada Bank

Receivables on Corporate Total Total -1,270,142 - - - - -1,270,142 - - - - -1,494,879 - - - - - - - - - -1,494,879 - 6 5 4 -3 - - -2 1 (9) (10) C (3) (4) (5) (6) Nilai MRK (7) (8)

Tagihan Bersih setelah MRK ATMR setelah MRK

Net Receivables after Credit Risk Mitigation

Risk Weighted Assets After Credit Risk Mitigation

Tagihan Bersih Nilai MRK Tagihan Bersih setelah MRK ATMR setelah MRK Tagihan Bersih

- - - - - - - -6 - - - - - -5 - - - - 4 - - - - - - - -3 - - - - - - - -2 - - - - - -1 - - - - -(10) B

Net Receivables Risk Weighted Assets

Kewajiban Repo

(3) (4) (5) (6) (7) (8) (9)

SSB Repo Value Repo Obligation Net Receivables Risk Weighted Assets SSB Repo Value Repo Obligation

Nilai Wajar SSB Repo Kewajiban Repo Tagihan Bersih ATMR Nilai Wajar SSB Repo Tagihan Bersih

- - - ATMR - - - - - - - -3 - - - - - - - -2 - - - - - - - - - - - - -1 - - - -A Net Receivables after Credit Risk

Mitigation

Net Receivables Derivative Liabilities Net Receivables before Credit Risk Mitigation Credit Risk Mitigation Net Receivables after Credit Risk

Mitigation

≤ 1 Tahun > 1 Tahun -

≤ 5 Tahun > 5 Tahun ≤ 1 Tahun

> 1 Tahun -

≤ 5 Tahun > 5 Tahun

Net Receivables Derivative Liabilities Net Receivables before Credit Risk Mitigation Credit Risk Mitigation Notional Amount Tagihan Derivatif Kewajiban Derivatif Tagihan Bersih sebelum MRK MRK Tagihan Bersih setelah MRK No. 31 Maret 2021 31 Desember 2020 Notional Amount Tagihan Derivatif Kewajiban Derivatif Tagihan Bersih sebelum MRK MRK Tagihan Bersih setelah MRK Net Receivables

Risk Weighted Assets After Credit Risk Mitigation Net Receivables after Credit

Risk Mitigation

(15)

Tabel C.9. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit - Bank secara Individu Table C.9. Disclosure of Net Receivables Risk Weight after Calculation of Credit Risk Mitigation Impact - Banks Individually

Kategori Portofolio Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit

Category Portfolio Net Receivables after Calculation of Credit Risk Mitigation Impact

0% 20% 25% 35% 50% 75% 100% 150% Lainnya

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)

Eksposur Neraca Balance Sheet Exposures

Balance Sheet Exposures

Tagihan kepada Bank

Aset Lainnya

Other Assets

Total Eksposur Neraca Total Exposures Balance Sheet 964,194 45,967 16,363 2,524 757,095 152,898 4,066,869 94,869 - 4,716,563 377,325 Eksposur Kewajiban Komitmen/Kontinjensi pd Transaksi Rekening Administratif

Off-Balance Sheet Commitments/Contigency Liabilities Exposures

Tagihan kepada Bank

Total Eksposur TRA Total Exposures Off-Balance Sheet 44,634 - - - - 10,650 460,587 - - 468,575 37,486 Eksposur akibat Kegagalan Pihak Lawan (Counterparty Credit Risk)

Counterparty Credit Risk Exposures

Receivables on Sovereigns

Tagihan kepada Bank

Total Eksposur Counterparty Credit Risk Total Exposures Counterparty Credit Risk 1,494,879 - - - - - - - - -

-31 Maret 2021 ATMR Risk Weighted Assets Beban Modal Capital Charges 455 679 30,284 70,475 7,042 11 1 No. A 1 2 3 4 5 6 7 9 10 2 3 - -4 C - - - - -1 1,494,879 - -5 -3 6 B - -2 9 10 8 7 4 5 6 8 9,174 8,485 - - - - - - - - - - - - - - - - - - - - - - - 639 - - - - 460,587 - 36,847 460,587 - - 7,988 10,650 38,991 - - 5,643 - - - - - - - - - - - - - - - - - - - - - - - - - - - 685,879 - - - 839,536 880,938 378,548 114,674 27,601 -3,220,291 8,635 257,623 - - - - - - - - 757,095 16,363 2,524 - -28,413 17,554 7,112 219,051 152,898 3,220,291 -67,268 5,683 107,944 52,152 - - -

(16)

-Tabel C.9. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit - Bank secara Individu Table C.9. Disclosure of Net Receivables Risk Weight after Calculation of Credit Risk Mitigation Impact - Banks Individually

Kategori Portofolio Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit

Category Portfolio Net Receivables after Calculation of Credit Risk Mitigation Impact

0% 20% 25% 35% 50% 75% 100% 150% Lainnya

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)

Eksposur Neraca Balance Sheet Exposures

Balance Sheet Exposures

Tagihan kepada Bank

Aset Lainnya

Other Assets

Total Eksposur Neraca Total Exposures Balance Sheet 1,109,456 65,910 19,943 4,240 781,626 149,570 4,146,047 90,072 - 4,803,799 384,304 Eksposur Kewajiban Komitmen/Kontinjensi pd Transaksi Rekening Administratif

Off-Balance Sheet Commitments/Contigency Liabilities Exposures

Tagihan kepada Bank

Total Eksposur TRA Total Exposures Off-Balance Sheet 41,229 - - - - 9,676 475,223 - - 482,480 38,598 Eksposur akibat Kegagalan Pihak Lawan (Counterparty Credit Risk)

Counterparty Credit Risk Exposures

Receivables on Sovereigns

Tagihan kepada Bank

Total Eksposur Counterparty Credit Risk Total Exposures Counterparty Credit Risk 1,270,142 - - - - - - - - -

-46,016 19,894 19,943 28,631 - 51,972 - - 835,754 6,571 61,441 - - - - 149,570 -7,412 232,761 - - - - -4,240 - - - 781,626 - - - - - - - - - - - - - - - - -817,311 - - A ATMR Risk Weighted Assets 4 5 6 7 No. - - - - - -1,270,142 - - - - - - - - - - - - - - - -10 C 1 2 - - - - 475,223 38,018 34,709 - - - - 475,223 6,520 - - - 9,676 - - - 7,257 580 - - - - - - - - - - - - - - - - - - -B - - - - - - - -112,178 878,701 3,303,722 10 8 9 1 2 -1 2 3 4 5 6 7 8 9 4 5 6 3 -Beban Modal Capital Charges 9,203 736 -8,974 390,813 31,265 -10,449 836 70,296 98,733 7,899 3,303,722 11 264,298 31 Desember 2020 3