1. Umum - Ukuran Utama 1. General - Key Metrics (dalam jutaan Rp in million Rp)

(1)

1. Umum - Ukuran Utama 1. General - Key Metrics

(dalam jutaan Rp in million Rp)

No. Deskripsi 30 Juni 2021 31 Maret 2021 31 Desember 2020 30 September 2020 30 Juni 2020

Modal yang Tersedia (nilai) Available capital (value)

1 Modal Inti Utama (CET1) Common Equity Tier 1 1.499.033 1.482.607 1.484.798 1.463.186 1.472.509 2 Modal Inti (Tier 1) Core Capital (Tier 1) 1.499.033 1.482.607 1.484.798 1.463.186 1.472.509 3 Total Modal Total Capital 1.551.659 1.538.496 1.539.560 1.510.710 1.520.289

Aset Tertimbang Menurut Risiko (Nilai) Risk weighted assets (value)

4 Total Aset Tertimbang Menurut Risiko (ATMR) Risk weighted total assets 5.736.460 5.817.604 5.966.973 6.067.532 6.254.301 Rasio Modal berbasis Risiko dalam bentuk persentase dari ATMR

Risk-based capital ratio a percentage of ATMR

5 Rasio CET1 (%) Ratio CET1 26,13% 25,49% 24,88% 24,12% 23,54%

6 Rasio Tier 1 (%) Ratio Tier1 26,13% 25,49% 24,88% 24,12% 23,54%

7 Rasio Total Modal (%) Total ratio capital 27,05% 26,45% 25,80% 24,90% 24,31%

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% 0,00% 0,00% 0,00% 0,00%

9 Countercyclical Buffer (0 - 2.5% dari ATMR) (%) 0,00% 0,00% 0,00% 0,00% 0,00%

10 Capital Surcharge untuk Bank Sistemik (1% - 2.5%) (%) 0,00% 0,00% 0,00% 0,00% 0,00%

11 Total CET1 sebagai buffer (Baris 8 + Baris 9 + Baris 10) 0,00% 0,00% 0,00% 0,00% 0,00%

12 Komponen CET1 untuk buffer 0,00% 0,00% 0,00% 0,00% 0,00%

Rasio pengungkit sesuai Basel III Leverage ratio according to Basel III

13 Total Eksposur 7.977.343 8.090.341 8.130.254 8.591.012 8.229.001

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) (%)

18,79% 18,33% 18,08% 17,03% 17,89%

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) (%)

18,79% 18,33% 18,08% 17,03% 17,89%

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 (%)

18,48% 18,37% 19,50% 17,28% 18,08%

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 (%)

18,48% 18,37% 19,50% 17,28% 18,08%

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 (%)

(2)

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 - - - - -

20 NSFR (%) - - - - -

(3)

2. Permodalan - Komposisi Permodalan (CC1) 2. Capital - Composition of Capital (CC1)

(dalam jutaan Rp in million Rp) 30 Juni 2021 30 Juni 2020

Modal Inti Utama (Common Equity Tier I ) /CET 1: Instrumen dan Tambahan Modal Disetor Common Equity Tier 1 Capital: Instruments and Reserves

1 Saham biasa (termasuk stock surplus )

Directly issued qualifying common share (and equivalent for nonjoint stock companies) capital plus related stock surplus

241.990 241.990 24, 25

2 Laba ditahan

Retained earnings 534.108 504.351 37

3 Akumulasi penghasilan komprehensif lain (dan cadangan lain)

Accumulated other comprehensive income (and other reserves) 780.627 766.858 2r,26,27

4 Modal yang termasuk phase out dari CET 1

Directly issued capital subject to phase out from CET1 (only applicable to non-joint stock companies)

N/A N/A

5 Kepentingan Non Pengendali yang dapat diperhitungkan

Common share capital issued by subsidiaries and held by third parties (amount allowed in group CET1)

- -

6 CET 1 sebelum regulatory adjustment

Common Equity Tier 1 capital before regulatory adjustments

1.556.725 1.513.199

CET 1: Faktor Pengurang (Regulatory Adjustment ) Common Equity Tier 1 Capital: Regulatory Adjustments

7 Selisih kurang jumlah penyesuaian nilai wajar dari instrumen keuangan dalam trading book

Prudential valuation adjustments - - 8 Goodwill

Goodwill (net of related tax liability) - - 9 Aset tidak berwujud lain (selain Mortgage-Servicing Rights )

Other intangibles other than mortgage-servicing rights (net of related tax liability) - -

10 Aset pajak tangguhan yang berasal dari future profitability

Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax liability)

N/A N/A

11 Cash-flow hedge reserve

Cash-flow hedge reserve N/A N/A

12 Shortfall on provisions to expected losses

Shortfall on provisions to expected losses N/A N/A

13 Keuntungan penjualan aset dalam transaksi sekuritisasi

Securitisation gain on sale (as set out in paragraph 562 of Basel II framework) - - 14 Peningkatan/penurunan nilai wajar atas kewajiban keuangan (DVA)

Gains and losses due to changes in own credit risk on fair valued liabilities - - 15 Aset pensiun manfaat pasti

Defined-benefit pension fund net assets N/A N/A

16 Investasi pada saham sendiri (jika belum di net dalam modal di Laporan Posisi Keuangan)

Investments in own shares (if not already netted off paid-in capital on reported balance sheet) N/A N/A 17 Kepemilikan silang pada instrumen CET 1 pada entitas lain

Reciprocal cross-holdings in common equity - -

18 Investasi pada modal bank, entitas keuangan dan asuransi diluar cakupan konsolidasi secara ketentuan, net posisi short yang diperkenankan, dimana Bank tidak memiliki lebih dari 10% modal saham yang diterbitkan (jumlah di atas batasan 10%)

Investments in the capital of Banking, financial and insurance entities that are outside the scope of regulatory consolidation,net of eligible short positions, where the Bank does not own

more than 10% of the issued share capital (amount above 10% threshold)

N/A N/A

19 Investasi signifikan pada saham biasa Bank, entitas keuangan dan asuransi diluar cakupan konsolidasi secara ketentuan, net posisi short yang diperkenankan (jumlah di atas batasan 10%)

Significant investments in the common stock of Banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions (amount above 10% threshold)

N/A N/A

20 Mortgage servicing rights

Mortgage servicing rights (amount above 10% threshold) - -

21 Aset pajak tangguhan yang berasal dari perbedaan temporer (jumlah di atas batasan 10%, net dari kewajiban pajak)

Deferred tax assets arising from temporary differences (amount above 10% threshold, net of related tax liability)

N/A N/A

22 Jumlah melebihi batasan 15% dari :

Amount exceeding the 15% threshold N/A N/A

23 Investasi signifikan pada saham biasa financials

Significant investments in the common stock of financials N/A N/A

24 Mortgage servicing rights

Mortgage servicing rights N/A N/A

25 Pajak tangguhan dari perbedaan temporer

Deferred tax assets arising from temporary differences N/A N/A

26 Penyesuaian berdasarkan ketentuan spesifik nasional

National specific regulatory adjustments (57.692) (40.690) a. Selisih PPKA dan CKPN

a. Difference between allowance for possible losses and allowance for impairment losses on earning assets

(24.492) (17.754)

b. PPKA non produktif

b. Allowance for losses on non productive assets required to be provided (8.914) (11.587) c. Aset Pajak Tangguhan

c. Deferred tax asset (24.286) (11.349) 2dd, 36b

d. Penyertaan

d. Investments in shares of stock - - e. Kekurangan modal pada perusahaan anak asuransi

e. Shortage of capital on insurance subsidiary company - - f. Eksposur sekuritisasi

f. Securitisation Exposure - - g. Lainnya

g. Other deduction factor of common equity tier 1 - -

27 Penyesuaian pada CET 1 akibat Additional Tier (AT) 1 dan Tier 2 lebih kecil daripada faktor pengurangnya

Regulatory adjustments applied to Common Equity Tier 1 due to insufficient Additional Tier 1 and Tier 2 to cover deductions

- -

28 Jumlah pengurang (regulatory adjustment ) terhadap CET 1 Total Regulatory Adjustments to Common Equity Tier 1

(57.692) (40.690)

29 Jumlah CET 1 setelah faktor pengurang Common Equity Tier 1 Capital (CET1)

1.499.033 1.472.509

No. Ref. yang berasal dari Laporan Posisi

Keuangan Konsolidasian Reference from

Consolidated Statements of Financial Position No.

No.

Komponen Component

Jumlah (dalam Jutaan Rupiah)

Amount (in million Rupiah)

Jumlah (dalam Jutaan Rupiah)

Amount (in million

Rupiah)

(4)

Modal Inti Tambahan (AT 1): Instrumen Additional Tier 1 Capital: Instruments

30 Instrumen AT 1 yang diterbitkan oleh Bank (termasuk stock surplus )

Directly issued qualifying Additional Tier 1 instruments plus related stock surplus - - 31 Yang diklasifikasikan sebagai ekuitas berdasarkan standar akuntansi

Classified as equity under applicable accounting standards - - 32 Yang diklasifikasikan sebagai liabilitas berdasarkan standar akuntansi

Classified as liabilities under applicable accounting standards - - 33 Modal yang termasuk phase out dari AT 1

Directly issued capital instruments subject to phase out from Additional Tier 1 N/A N/A

34 Instrumen AT 1 yang diterbitkan oleh Entitas Anak yang diakui dalam perhitungan KPMM secara konsolidasi

Additional Tier 1 instruments (and CET1 instruments not included in row 5) issued by subsidiaries and held by third parties (amount allowed in group AT1)

- -

35 Instrumen yang diterbitkan Entitas Anak yang termasuk phase out

Instruments issued by subsidiaries subject to phase out N/A N/A

36 Jumlah AT 1 sebelum regulatory adjustment

Additional Tier 1 Capital Before Regulatory Adjustments

- -

Modal Inti Tambahan: Faktor Pengurang (Regulatory Adjustment) Additional Tier 1 Capital: Regulatory Adjustments

37 Investasi pada instrumen AT 1 sendiri

Investments in own Additional Tier 1 instruments N/A N/A

38 Kepemilikan silang pada instrumen AT 1 pada entitas lain

Reciprocal cross-holdings in Additional Tier 1 instruments - -

39 Investasi pada modal bank, entitas keuangan dan asuransi diluar cakupan konsolidasi secara ketentuan, net posisi short yang diperkenankan, dimana Bank tidak memiliki lebih dari 10% modal saham yang diterbitkan (jumlah di atas batasan 10%)

Investments in the capital of Banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions, where the Bank does not own

more than 10% of the issued common share capital of the entity (amount above 10% threshold)

N/A N/A

40 Investasi signifikan pada modal Bank, entitas keuangan dan asuransi di luar cakupan konsolidasi secara ketentuan (net posisi short yang diperkenankan)

Significant investments in the capital of Banking, financial and insurance entities that are outside the scope of regulatory consolidation (net of eligible short positions)

N/A N/A

41 Penyesuaian berdasarkan ketentuan spesifik nasional

National specific regulatory adjustments - - a. Penempatan dana pada instrumen AT 1 pada Bank lain

a. Investments in instrument issued by the other Bank that meet the criteria for inclusion in additional tier 1

- -

42 Penyesuaian pada AT 1 akibat Tier 2 lebih kecil daripada faktor pengurangnya

Regulatory adjustments applied to Additional Tier 1 due to insufficient Tier 2 to cover deductions - - 43 Jumlah faktor pengurang (regulatory adjustment) terhadap AT 1

Total Regulatory Adjustments to Additional Tier 1 Capital

- -

44 Jumlah AT 1 setelah faktor pengurang Additional Tier 1 Capital (AT1)

- -

45 Jumlah Modal Inti (Tier 1) (CET 1 + AT 1) Tier 1 Capital (T1 = CET 1 + AT 1)

1.499.033 1.472.509

Modal Pelengkap (Tier 2): Instumen dan cadangan Tier 2 Capital: Instruments and Provisions

46 Instrumen Tier 2 yang diterbitkan oleh Bank (termasuk stock surplus )

Directly issued qualifying Tier 2 instruments plus related stock surplus - - 47 Modal yang termasuk phase out dari Tier 2

Directly issued capital instruments subject to phase out from Tier 2 N/A N/A

48 Instrumen Tier 2 yang diterbitkan oleh Entitas Anak yang diakui dalam perhitungan KPMM secara konsolidasi

Tier 2 instruments (and CET1 and AT1 instruments not included in rows 5 or 34) issued by subsidiaries and held by third parties (amount allowed in group Tier 2)

- -

49 Modal yang diterbitkan Entitas Anak yang termasuk phase out

Instruments issued by subsidiaries subject to phase out N/A N/A

50 Cadangan umum PPKA atas aset produktif yang wajib dihitung dengan jumlah paling tinggi sebesar 1,25% dari ATMR untuk Risiko Kredit

Provisions

52.626 47.780

51 Jumlah Modal Pelengkap (Tier 2) sebelum faktor pengurang Tier 2 capital before regulatory adjustments

52.626 47.780

Modal Pelengkap (Tier 2): Faktor Pengurang (Regulatory Adjustment ) Tier 2 Capital: Regulatory Adjustments

52 Investasi pada instrumen Tier 2 sendiri

Investments in own Tier 2 instruments N/A N/A

53 Kepemilikan silang pada instrumen Tier 2 pada entitas lain

Reciprocal cross-holdings in Tier 2 instruments and other TLAC liabilities - -

54 Investasi pada kewajiban TLAC modal bank, entitas keuangan dan asuransi diluar cakupan konsolidasi secara ketentuan, net posisi short yang diperkenankan, dimana Bank tidak memiliki lebih dari10% modal saham yang diterbitkan; nilai sebelumnya ditetapkan dengan threshold 5% namun tidak lagi memenuhi kriteria (untuk Bank Sistemik)

Investments in the other TLAC liabilities of banking, financial and insurance entities that are outside the scope of regulatory consolidation and where the bank does not own more than 10% of the issued

common share capital of the entity: amount previously designated for the 5% threshold but that no longer meets the conditions (for G-SIBs only)

N/A N/A

55 Investasi signifikan pada modal atau instrumen TLAC Bank, entitas keuangan dan asuransi di luar cakupan konsolidasi secara ketentuan (net posisi short yang diperkenankan)

Significant investments in the capital banking, financial and insurance entities that are outside the scope of regulatory consolidation (net of eligible short positions)

N/A N/A

56 Penyesuaian berdasarkan ketentuan spesifik nasional

National specific regulatory adjustments - - a. Sinking fund

a. Sinking fund - -

b. Penempatan dana pada instrumen Tier 2 pada Bank lain

b. Investments in instrument issued by the other Bank that meet the criteria for inclusion in additional tier 2

- -

57 Jumlah faktor pengurang (regulatory adjustment ) Modal pelengkap Total regulatory adjustments to Tier 2 capital

- -

58 Jumlah Modal Pelengkap (Tier 2) setelah regulatory adjustment Tier 2 capital (T2)

52.626 47.780

59 Total Modal (Modal Inti + Modal Pelengkap) Total capital (TC = T1 + T2)

1.551.659 1.520.289

60 Total Aset Tertimbang Menurut Risiko (ATMR) Total risk weighted assets

5.736.460 6.254.301

(5)

Rasio Kecukupan Pemenuhan Modal Minimum (KPMM) dan Tambahan Modal (Capital Buffer )

Capital Ratios and Buffers

61 Rasio Modal Inti Utama (CET 1) - persentase terhadap ATMR Common Equity Tier 1 (as a percentage of risk weighted assets)

26,13% 23,54%

62 Rasio Modal Inti (Tier 1) - persentase terhadap ATMR Tier 1 (as a percentage of risk weighted assets)

26,13% 23,54%

63 Rasio Total Modal - persentase terhadap ATMR

Total Capital (as a percentage of risk weighted assets)

27,05% 24,31%

64 Tambahan modal (buffer ) - persentase terhadap ATMR

Institution specific buffer requirement (minimum CET1 requirement plus capital conservation buffer plus countercyclical buffer requirements plus G-SIB buffer requirement, expressed as a percentage of risk weighted assets)

- -

65 Capital Conservation Buffer requirement

Capital Conservation Buffer Requirement - - 66 Countercyclical Buffer

Bank Spesific Countercyclical Buffer Requierment - - 67 Capital Surcharge untuk Bank Sistemik

G-SIB Buffer Requierment - -

68 Modal Inti Utama (CET 1) yang tersedia untuk memenuhi Tambahan Modal (Buffer ) – persentase terhadap ATMR

Common Equity Tier 1 available to meet buffers (as a percentage of risk weighted assets)

16,21% 13,65%

National minimal (jika berbeda dari Basel 3) National minimal (if different from Basel 3)

69 Rasio terendah CET 1 nasional (jika berbeda dengan Basel 3)

National Common Equity Tier 1 minimum ratio (if different from Basel 3 minimum) N/A N/A

70 Rasio terendah Tier 1 nasional (jika berbeda dengan Basel 3)

National Tier 1 minimum ratio (if different from Basel 3 minimum) N/A N/A

71 Rasio terendah total modal nasional (jika berbeda dengan Basel 3)

National total capital minimum ratio (if different from Basel 3 minimum) N/A N/A

Jumlah di bawah batasan pengurangan (sebelum pembobotan risiko) Amounts below the thresholds for deduction (before risk weighting)

72 Investasi non-signifikan pada modal atau kewajiban TLAC lainnya entitas keuangan lain

Non-significant investments in the capital and other TLAC liabilities of other financial entities N/A N/A 73 Investasi signifikan pada saham biasa entitas keuangan

Significant investments in the common stock of financial entities N/A N/A

74 Mortgage servicing rights (net dari kewajiban pajak)

Mortgage servicing rights (net of related tax liability) N/A N/A

75 Aset pajak tangguhan yang berasal dari perbedaan temporer (net dari kewajiban pajak)

Deferred tax assets arising from temporary differences (net of related tax liability) N/A N/A

Cap yang dikenakan untuk provisi pada Tier 2

Applicable caps on the inclusion of provisions in Tier 2

76 Provisi yang dapat diakui sebagai Tier 2 sesuai dengan eksposur berdasarkan pendekatan standar (sebelum dikenakan cap)

Provisions eligible for inclusion in Tier 2 in respect of exposures subject to standardised approach (prior to application of cap)

N/A N/A

77 Cap atas provisi yang diakui sebagai Tier 2 berdasarkan pendekatan standar

Cap on inclusion of provisions in Tier 2 under standardised approach N/A N/A

78 Provisi yang dapat diakui sebagai Tier 2 sesuai dengan eksposur berdasarkan pendekatan IRB (sebelum dikenakan cap)

Provisions eligible for inclusion in Tier 2 in respect of exposures subject to internal ratings-based approach (prior to application of cap)

N/A N/A

79 Cap atas provisi yang diakui sebagai Tier 2 berdasarkan pendekatan IRB

Cap for inclusion of provisions in Tier 2 under internal ratings based approach N/A N/A

Instrumen Modal yang termasuk phase out (hanya berlaku antara 1 Jan 2018 s.d. 1 Jan 2022) Capital instruments subject to phase-out arrangements (only applicable between 1 Jan 2018 to 1 Jan 2022)

80 Cap pada CET 1 yang termasuk phase out

Current cap on CET1 instruments subject to phase out arrangements N/A N/A

81 Jumlah yang dikecualikan dari CET 1 karena adanya cap (kelebihan di atas cap setelah redemptions dan maturities )

Amount excluded from CET1 due to cap (excess over cap after redemptions and maturities)

N/A N/A

82 Cap pada AT 1 yang termasuk phase out

Current cap on AT1 instruments subject to phase out arrangements N/A N/A

83 Jumlah yang dikecualikan dari AT 1 karena adanya cap (kelebihan di atas cap setelah redemptions dan maturities )

Amount excluded from AT1 due to cap (excess over cap after redemptions and maturities)

N/A N/A

84 Cap pada Tier 2 yang termasuk phase out

Current cap on T2 instruments subject to phase out arrangements N/A N/A

85 Jumlah yang dikecualikan dari Tier 2 karena adanya cap (kelebihan di atas cap setelah redemptions dan maturities )

Amount excluded from T2 due to cap (excess over cap after redemptions and maturities)

N/A N/A

(6)

3. Permodalan - Rekonsiliasi Permodalan (CC2) 3. Capital - Reconciliation of Capital (CC2)

(dalam jutaan Rp I in million Rp)

A. Aset Assets Kas

Cash

Penempatan Pada Bank Indonesia Placements With Bank Indonesia Penempatan Pada Bank Lain Placement With Other Bank Tagihan Spot dan Derivatif/Forward Spot and Derivatif/Forward Receivables Surat Berharga yang Dimiliki

Securities

Surat Berharga yang dijual dengan janji dibeli kembali (Repo ) Securities Sold Under Repurchase Agreements (Repo)

Tagihan atas Surat Berharga yang dibeli dengan janji dijual kembali (Reverse Repo ) Claims on Securities Bought Under Reverse Repo

Tagihan Akseptasi Acceptance Receivable Kredit yang Diberikan Credit

Pembiayaan Syariah Sharia Financing Penyertaan Modal Equity Investment Aset Keuangan Lainnya Other Financial Assets

Cadangan Kerugian Penurunan Nilai Aset Keuangan Impaiment on Financial Assets

Aset Tidak Berwujud Intangible Assets

Akumulasi Amortisasi Aset Tidak Berwujud Accumulated Amortization on Intangible Assets Aset Tetap dan Inventaris

Fixed Assets and Equipment Akumulasi Penyusutan dan Inventaris

Accumulated Depreciation on Fixed Assets and Equipment Aset Non Produktif

Non Earning Assets Aset Lainnya Others Assets

Total Aset Total Assets 7.479.708 7.479.708 7.686.327 7.686.327

B. Kewajiban Dan Ekuitas Liabilities and Equity Giro

Current Account Tabungan Saving Account Deposito Time Deposit Uang Elektronik Electronic Money

Liabilitas kepada Bank Indonesia Liabilities to Bank Indonesia Liabilitas kepada Bank Lain Liabilities to Other Banks

Liabilitas Spot dan Derivatif/Forward Spot and Derivatif/Forward Liabilities

Liabilitas Atas Surat Berharga yang dijual dengan janji dibeli kembali (Repo ) Liabilities on Securities Sold Under Repurchase Agreements (Repo) Liabilitas Akseptasi

Acceptance Liabilities

Surat Berharga yang Diterbitkan Issued Securities

Pinjaman/Pembiayaan yang Diterima Loans/Financing Received

Setoran Jaminan Margin Deposit Liabilitas Antar Kantor Interbranch Liabilities Liabilitas Lainnya Others Liabilities Kepentingan Minoritas Non-Controlling Interest

Total Kewajiban Total Liabilities 5.936.783 5.936.783 6.180.559 6.180.559 Modal Disetor

Pain in Capital

Tambahan Modal Disetor Additional Paid In Capital Pendapatan Komprehensif lain Other Comprehensive Income Cadangan

Reserves Laba/rugi Gain/loss

Total Ekuitas Total Equity 1.542.925 1.542.925 1.505.768 1.505.768

Total Kewajiban Dan Ekuitas Total Liabilities And Equity 7.479.708 7.479.708 7.686.327 7.686.327

26 37.500 37.500 35.000 35.000

27 610.801 610.801 581.044 581.044

24 10.990 10.990 10.990 10.990

25 652.634 652.634 647.734 647.734

15 - - - -

23 231.000 231.000 231.000 231.000

13 - - - -

14 142.378 142.378 135.962 135.962

11 - - - -

12 - - 595 595

9 13.239 13.239 10.140 10.140

10 - - - -

7 - - - -

8 - - - -

5 - - - -

6 1.878 1.878 1.077 1.077

3 4.625.423 4.625.423 5.111.023 5.111.023

4 - - - -

1 543.316 543.316 405.180 405.180

2 610.549 610.549 516.582 516.582

16 29.635 29.635 38.813 38.813

17 41.026 41.026 41.677 41.677

15

907.172

907.172 863.977 863.977

(91.289)

(91.289) (75.456) (75.456) 14

27.330

27.330 21.457 21.457

(21.263)

(21.263) (17.415) (17.415)

12 44.814 44.814 37.031 37.031

13 (54.376) (54.376) (63.635) (63.635)

10 - - - -

11 10 10 10 10

8 13.239 13.239 10.140 10.140

9 4.365.534 4.365.534 4.916.138 4.916.138

6 - - - -

7 1.269.719 1.269.719 251.703 251.703

4 - - - -

5 122.256 122.256 146.898 146.898

2 729.543 729.543 1.432.848 1.432.848

3 44.078 44.078 29.316 29.316

1 52.280 52.280 52.825 52.825

No. Pos-Pos

Account

30 Juni 2021 30 Juni 2020

Laporan Publikasi Posisi Keuangan

Laporan Posisi Keuangan Konsolidasi Dengan Cakupan

Konsolidasi berdasarkan ketentuan kehati-hatian

Laporan Publikasi Posisi Keuangan

Laporan Posisi Keuangan Konsolidasi Dengan Cakupan

Konsolidasi berdasarkan ketentuan kehati-hatian Published

Statements of Financial Position

Consolidated Statements of Financial Position Under

Regulatory Scope of Consolidation

Published tatements of Financial Position

Consolidated Statements of Financial Position Under

Regulatory Scope of Consolidation

(7)

4. Permodalan - Fitur Utama Instrumen Permodalan dan Instrumen TLAC-Eligible (CCA) 4. Capital - Main Features of Capital and TLAC - Eligible Instruments (CCA)

Bank tidak memiliki Fitur Utama Instrumen Permodalan dan Instrumen TLAC-Eligible (CCA)

Bank has no Main Features of Capital and TLAC - Eligible Instruments (CCA)

(8)

5.a. Rasio Pengungkit - Laporan Total Eksposur Dalam Rasio Pengungkit 5.a. Leverage Ratio - Exposure in Leverage Ratio Report

No Keterangan

Item 30 Juni 2021

1 Total aset di laporan posisi keuangan pada laporan keuangan publikasi (nilai gross sebelum dikurangi CKPN).

Total consolidated assets as per published financial statements

7.550.909,00

2 Penyesuaian untuk nilai penyertaan pada Bank, lembaga keuangan, perusahaan asuransi, dan/atau entitas lain yang berdasarkan standar akuntansi keuangan harus dikonsolidasikan namun diluar cakupan konsolidasi berdasarkan ketentuan Otoritas Jasa Keuangan.

Adjusments for investments in banking, financial, insurance or commercial entities that are consolidated for accounting purposes but outside the scope of regulatory consolidation

-

3 Penyesuaian untuk nilai kumpulan aset keuangan yang mendasari yang telah dialihkan dalam sekuritisasi aset yang memenuhi persyaratan jual putus sebagaimana diatur dalam Peraturan Otoritas Jasa Keuangan mengenai prinsip kehati-hatian dalam aktivitas sekuritisasi aset bagi bank umum.

Dalam hal aset keuangan yang mendasari dimaksud telah dikurangkan dari total aset pada laporan posisi keuangan maka angka pada baris ini adalah 0 (nol).

Adjustment for securitised exposures that meet the operational requirements for the recognition of risk transference.

In the event that tha underlying financial assets have been deducted from the total assets on the statement of financial position, the number in this row is zero (0)

-

4 Penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank Indonesia dalam rangka memenuhi ketentuan giro wajib minimum (jika ada).

Adjustment for temporary exemption of central bank reserve (if applicable)

N/A

5 Penyesuaian untuk aset fidusia yang diakui sebagai komponen laporan posisi keuangan berdasarkan standar akuntansi keuangan namun dikeluarkan dari perhitungan total eksposur dalam Rasio Pengungkit.

Adjustment for fiduciary assets recognised on the balance sheet pursuant to the operatice accounting framework but excluded from the leverage ratio exposure measure.

N/A

6 Penyesuaian untuk nilai pembelian atau penjualan aset keuangan secara regular dengan menggunakan metode akuntansi tanggal perdagangan.

Adjusments for regular-way purchases and sales of financial assets subject to trade date accounting

-

7 Penyesuaian untuk nilai transaksi cash pooling yang memenuhi persyaratan sebagaimana diatur dalam Peraturan Otoritas Jasa Keuangan ini.

Adjustments for eligible cash pooling transactions

-

8 Penyesuaian untuk nilai eksposur transaksi derivatif.

Adjustments for derivative financial instruments.

-

9 Penyesuaian untuk nilai eksposur SFT sebagai contoh transaksi reverse repo.

Adjustments for securities financing transactions (i.e. repos and similar secured lending).

-

10 Penyesuaian untuk nilai eksposur TRA yang telah dikalikan dengan FKK.

Adjustment for off-balance sheet items (i.e. conversion to credit equivalent amounts of off- balance sheet exposures).

521.921,00

11 Penyesuaian penilaian prudensial berupa faktor pengurang modal dan CKPN.

Adjusments for prudent valuation adjustments and specific and general provisions which have reduced tier 1 capital.

(95.487,00)

12 Penyesuaian lainnya.

Other adjusment

-

13 Total Eksposur dalam perhitungan Rasio Pengungkit Leverage Ratio Exposure

7.977.343,00

(9)

5.b. Rasio Pengungkit - Laporan Perhitungan Rasio Pengungkit 5.b. Leverage Ratio Common Disclosure

1 Eksposur aset dalam laporan posisi keuangan termasuk aset jaminan, namun tidak termasuk eksposur transaksi derivatif dan eksposur SFT (Nilai gross sebelum dikurangi CKPN)

On Balance Sheet items (excluding derivatives and SFTs, but including collateral)

6.281.190,00

6.180.925,00

2 Nilai penambahan kembali untuk agunan derivatif yang diserahkan kepada pihak lawan yang mengakibatkan penurunan total eksposur aset dalam neraca karena adanya penerapan standar akuntansi keuangan

Gross up for derivatives collateral provided where deducted from the B/S assets pursuant to the operative accounting framework

-

3 (Pengurangan atas piutang terkait CVM yang diberikan dalam transaksi derivatif) (Deduction of receivalvels assets for cash variation margin provided in derivatives transaction)

-

4 (Penyesuaian untuk nilai tercatat surat berharga yang diterima dalam eksposur SFT yang diakui sebagai aset)

(Adjustment for securities received under securities financing transactions that are recognised as an asset)

-

5 (CKPN atas aset tersebut sesuai standar akuntansi keuangan)

(Specific and general provisions associated with on-balance sheet exposures that are deducted from Basel III Tier 1 Capital)

(71.201,00)

(74.145,00)

6 (Aset yang telah diperhitungkan sebagai faktor pengurang Modal Inti sebagaimana dimaksud dalam Peraturan Otoritas Jasa Keuangan mengenai kewajiban penyediaan modal minimum bagi bank umum)

(Asset amount deducted in determining Basel III Tier 1 Capital)

(24.286,00)

7 Total Eksposur aset dalam laporan posisi keuangan Penjumlahan dari baris 1 sampai dengan baris 6

Total On B/S Exposures (excluding derivatives and SFTs) (sum of rows 1 to 6)

6.185.703,00

6.082.494,00

30 Juni 2021 31 Maret 2020 8 Nilai RC untuk seluruh transaksi derivatif baik dalam hal terdapat variation margin

yang memenuhi syarat ataupun terdapat perjanjian saling hapus yang memenuhi persyaratan tertentu.

Replacement cost associated with all derivatives transaction (where applicable net of eligible cash variation margin and/or with bilateral netting)

-

9 Nilai penambahan yang merupakan PFE untuk seluruh transaksi derivatif Add on amounts for PFE associated with all derivatives transactions

-

10 (Pengecualian atas eksposur transaksi derivatif yang diselesaikan melalui central counterparty (CCP))

(Exempted central counterparty (CCP) leg of client-cleared trade exposures)

N/A N/A

11 Penyesuaian untuk nilai nosional efektif dari derivatif kredit Adjusted effective notional amount of written credit derivatives

-

12 (Penyesuaian untuk nilai nosional efektif yang dilakukan saling hapus dan pengurangan add-on untuk transaksi penjualan derivatif kredit)

(Adjusted effective notional offsets and add on deductions for written credit derivatives)

-

13 Total Eksposur Transaksi Derivatif

Penjumlahan baris 8 sampai dengan baris 12 Total derivatives Exposures (sum of rows 8 to 12)

-

30 Juni 2021 31 Maret 2020 14 Nilai tercatat aset SFT secara gross

Gross SFT assets (with no recognition of netting), after adjusting for sales accounting transaction

1.269.719,00

1.494.879,00

15 (Nilai bersih antara liabilitas kas dan tagihan kas)

(Netted amounts of cash payables and cash receivables of gross SFT assets)

-

16 Risiko Kredit akibat kegagalan pihak lawan terkait aset SFT yang mengacu pada perhitungan current exposure sebagaimana diatur dalam Lampiran Peraturan Otoritas Jasa Keuangan ini

CCR exposure for SFT assets

-

17 Eksposur sebagai agen SFT Agent transaction exposures

-

18 Total Eksposur SFT

Penjumlahan baris 14 sampai dengan baris 17

Total Securities Financing Transaction Exposures (sum of rows 14 to 17)

1.269.719,00

1.494.879,00 Eksposur Securities Financing Transaction (SFT)

Securities Financing Transaction Exposures Keterangan

Item

Periode

30 Juni 2021 31 Maret 2020 Eksposur Aset dalam Laporan Posisi Keuangan

On Balance Sheet Exposures

Eksposur Transaksi Derivatif

Derivative Exposure

(10)

30 Juni 2021 31 Maret 2020 19 Nilai seluruh kewajiban komitmen atau kewajiban kontinjensi Nilai gross sebelum

dikurangi CKPN

Off B/S exposures at gross notional amount

1.998.393,00

1.978.072,00

20 (Penyesuaian terhadap hasil perkalian antara nilai kewajiban komitmen atau kewajiban kontinjensi dan FKK kemudian dikurangi CKPN)

(Adjustment for conversion to credit equivalent amount)

(1.474.645,00)

(1.462.201,00)

21 (CKPN atas TRA sesuai standar akuntansi keuangan)

(Specific and general provisions associated with off-balance sheet exposures deducted in determining Tier 1 Capital)

(1.827,00)

(2.903,00)

22 Total Eksposur TRA

Penjumlahan dari baris 19 sampai dengan baris 21 Off Balance Sheet Items (sum of rows 19 to 21)

521.921,00

512.968,00

30 Juni 2021 31 Maret 2020 23 Modal Inti

Tier 1 Capital (CEMA)

1.499.033,00

1.482.607,00

24 Total Eksposur

Penjumlahan baris 7, baris 13, baris 18, dan baris 22 Total Exposures (sum of rows 7, 13, 18, 22)

7.977.343,00

8.090.341,00

30 Juni 2021 31 Maret 2020 25 Nilai Rasio Pengungkit, termasuk dampak dari penyesuaian terhadap

pengecualian sementara atas penempatan giro pada Bank Indonesia dalam rangka memenuhi ketentuan giro wajib minimum (jika ada)

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

18,79% 18,33%

25a Nilai Rasio Pengungkit, tidak termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank Indonesia dalam rangka memenuhi ketentuan giro wajib minimum (jika ada)

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

18,79% 18,33%

26 Nilai Minimum Rasio Pengungkit

National minimum leverage ratio requirement

3,00% 3,00%

27 Bantalan terhadap nilai Rasio Pengungkit

Applicable leverage buffers N/A N/A

30 Juni 2021 31 Maret 2020 28 Nilai rata-rata dari nilai tercatat aset SFT secara gross , setelah penyesuaian untuk

transaksi akuntansi penjualan (sale accounting transaction ) yang dihitung secara bersih (nett ) dengan liabilitas kas dalam SFT dan tagihan kas dalam SFT

The average value of the carrying value of the gross SFT asset, after adjustments from net sales accounting transaction calculated with cash liabilities in SFT and internal cash bill SFT

1.403.236,90

1.476.643,93

29 Nilai akhir triwulan laporan dari nilai tercatat aset SFT secara gross, setelah penyesuaian untuk transaksi akuntansi penjualan (sale accounting transaction ) yang dihitung secara bersih (nett ) dengan liabilitas kas dalam SFT dan tagihan kas dalam SF

Final quarterly report value of gross carrying value of SFT asset, after adjustments for sales accounting transactions that are calculated on a net basis with a cash liability in SFT and Cash bill

1.269.719,00

1.494.879,00

30 Total Eksposur, termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank Indonesia dalam rangka memenuhi ketentuan giro wajib minimum (jika ada), yang telah memasukkan nilai rata-rata dari nilai tercatat aset SFT secara gross sebagaimana dimaksud dalam baris 28 Total exposure , 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 , which has included the gross average value of the gross asset value as referred to in line 28

8.110.860,90

8.072.105,93

30A Total Eksposur, tidak termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank Indonesia dalam rangka memenuhi ketentuan giro wajib minimum (jika ada), yang telah memasukkan nilai rata-rata dari nilai tercatat aset SFT secara gross sebagaimana dimaksud dalam baris 28 Total exposure , 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 , which has included the gross average value of the gross asset value as referred to in line 28

8.110.860,90

8.072.105,93

31 Nilai Rasio Pengungkit, termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank Indonesia dalam rangka memenuhi ketentuan giro wajib minimum (jika ada), yang telah memasukkan nilai rata-rata dari nilai tercatat aset SFT secara gross sebagaimana dimaksud dalam baris 28

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 , as reffered to in line 28

18,48% 18,37%

31A Nilai Rasio Pengungkit, tidak termasuk dampak dari penyesuaian terhadap pengecualian sementara atas penempatan giro pada Bank Indonesia dalam rangka memenuhi ketentuan giro wajib minimum (jika ada), yang telah memasukkan nilai rata-rata dari nilai tercatat aset SFT secara gross sebagaimana dimaksud dalam baris 28

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 , as reffered to in line 28

18,48% 18,37%

Eksposur Transaksi Rekening Administratif (TRA) Other Off Balance Sheet Exposures

Modal dan Total Ekposur Capital and Total Exposures

Rasio Pengungkit (Leverage) Leverage Ratio

Pengungkapan Nilai Rata-Rata

Disclosure of average scores

(11)

6. Risiko Kredit - Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank Secara Individu 6. Credit Risk - Disclosure of Net Receivables by Area - Banks Individually

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 7.373.530 408.607 212.863 7.995.000 7.673.051 425.134 142.754 8.240.939

Area 1 : Jawa dan Bali Area 2 : Sumatera

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

914.539 7

61.780

11 861.263 48.408 10.944 920.615 857.543 45.746 11.250

117.481

132.888 4.308.464

10 65.441 513 29 65.983 57.667 4.106

9 3.635.725 115.194 163.237 3.914.156 4.058.095

831.776

8 153.168 12.230 120 165.518 197.660 13.218 142 211.020

-

7 456.232 231.706 38.531 726.469 545.041 243.769 42.966

814

- 49.920

6 - - - - - -

5 33.435 556 - 33.991 49.106

-

4 44.076 - 2 44.078 29.315 - 1 29.316

-

- 3 - - - - - - -

-

- 1.834.124

2 - - - - - -

1 2.124.190 - - 2.124.190 1.834.124

No.

30 Juni 2021 30 Juni 2020

Tagihan Bersih Berdasarkan Wilayah Tagihan Bersih Berdasarkan Wilayah

Net Receivables by Area Net Receivables by Area

Total Total

(12)

7. Risiko Kredit - Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank Secara Individu 7. Credit Risk - Disclosure of Net Receivables by Contractual Maturity - Banks Individually

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

Total 5.739.403 193.578 284.288 857.116 920.615 7.995.000

-

14.175

33.991

726.469

165.518

3.373.597

93.515 155.578 291.466 12.293

5.981

-

53.326

6.300 4.474 1.883 10.342

72.533 98.268 545.326

133.069

-

3.914.156 No.

2.124.190

- -

44.078 -

12.460

-

- 44.078

-

920.615 - -

-

920.615

65.983

-

- -

-

- 2.124.190

>3 s.d 5 thn >5 thn Non Kontraktual

Total 30 Juni 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

10

11 1

2 3

4 5

6 7

8

9

801

7.055 13.675 -

(13)

7. Risiko Kredit - Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank Secara Individu 7. Credit Risk - Disclosure of Net Receivables by Contractual Maturity - Banks Individually

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

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

Total 5.738.824 239.592 349.867 998.117 914.539 8.240.939

914.539

11 - - - - 914.539

4.308.464

10 54.681 2.912 1.405 2.782 - 61.780

9 3.634.456 125.183 215.094 333.731 -

831.776

8 173.974 14.184 13.442 9.420 - 211.020

7 12.030 84.771 109.267 625.708 -

49.920

6 - - - - - -

5 243 12.542 10.659 26.476 -

-

4 29.316 - 29.316

3

- -

- - - -

2 - - - - -

1 1.834.124 - - - - 1.834.124

Total

< 1 years >1 - 3 years >3 - 5 years >5 years Non Contractual No.

30 Juni 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

-

- -

(14)

8. Risiko Kredit - Pengungkapan Tagihan Bersih berdasarkan Sektor Ekonomi - Bank Secara Individu 8. Credit Risk - 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)

30 Juni 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

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 2.124.190 - - 44.078 33.991 - 726.469 165.518 3.914.156 65.983 920.615 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

Tagihan yang Telah Jatuh

Tempo Past Due Receivables

Aset Lainnya Other Assets Kredit Beragun

Properti Komersial Loans Secured by Commercial

Property

-

- - - - - -

-

201 - - - -

- 29.324 - - -

- - - -

-

- - - - -

-

26.584 776.997 313 -

-

234 - - - -

- - - - -

- - - - - -

-

- 1.992 - - -

1.791 86.349 3.289 - -

- - - -

-

- - - - -

-

116.495 2.494.561 44.640 -

-

5.455 93.291 - - -

- - - - -

-

383 105.508 - -

-

348 - - - -

- - - - -

-

- 3.007 - -

-

1.219 81.307 1.098 - -

- - - - -

- - - -

- -

-

723 21.271 -

-

- - - -

-

1.499 57.754 -

-

- - - -

-

- -

-

218 8.055 - - -

49.068

-

- -

- - - - -

- - - 660 8.295 -

-

2.045 60.736 12.067 16

17

18 19

21 10 11

12 13

14

15 1 2

3 4

5 6

7

8 9

-

- - - - -

-

- - - - -

23 2.124.190 - - 44.078 25.350 - - 4.445 36.641 4.110 920.615 20 - - - - - -

-

- - - - - 22 - - - - 8.641 - 726.469 3.218 - 466 -

(15)

8. Risiko Kredit - Pengungkapan Tagihan Bersih berdasarkan Sektor Ekonomi - Bank Secara Individu 8. Credit Risk - 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)

30 June 2020

Pertanian, Perburuan dan Kehutanan Agriculture, Hunting and Forestry Perikanan

Fishery

Pertambangan dan Penggalian Mining and Quarrying

Industri Pengolahan Manufacturing Listrik, Gas dan Air Electricity, Gas and Water Konstruksi

Construction

Perdagangan Besar dan Eceran Wholesale and Retail Trading

Penyediaan Akomodasi dan Penyediaan Makan Minum Hotel and Food & Beverage

Transportasi, Pergudangan dan Komunikasi Transportation, Warehouse and Communications Perantara Keuangan

Financial Intermediary

Real Estate, Usaha Persewaan dan Jasa Perusahaan Real Estate, Rental and Business Services

Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial Wajib Public Administration, Defense and Compulsory Social Security Jasa Pendidikan

Education Services

Jasa Kesehatan dan Kegiatan Sosial Health Services and Social Activity

Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainnya Public, Socio-Culture, Entertainment and Other Personal Services Jasa Perorangan yang Melayani Rumah Tangga

Personal Services Serving Household

Badan Internasional dan Badan Ekstra Internasional Lainnya Internasional Institution and Other Extra International Agencies Kegiatan yang Belum Jelas Batasannya

Undifined Activities Bukan Lapangan Usaha Non Business Field Lainnya

Others

Total 1.834.124 - - 29.316 49.920 - 831.776 211.020 4.308.464 61.780 914.539 -

- - - - -

-

201

-

- - - - -

- - - -

- -

- - - - -

-

- 29.631 -

-

28.605 769.311 6.084 - -

- - -

- -

- - - - -

-

591 - -

-

2.121 88.822 4.312 - -

- - -

- -

- - - - -

-

158.798 2.774.260 45.021

-

- 108.920 - - -

- - -

- -

- - - - -

-

6.553 131.256 383

-

- 3.009 - - -

- - -

167.583

1.663 - -

- - - - - - 3.581 -

- -

-

- -

671

-

2.443

- 5

6 7

8 9

10

11

13 -

1 2

3

4

Tagihan kepada Usaha Mikro, Usaha Kecil dan

Portofolio Ritel Receivables on

Micro, Small Business and Retail Portfolio

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

Kredit Beragun Rumah Tinggal Loans Secured by Residential

Property

Kredit Beragun Properti Komersial Loans Secured by Commercial

Property

Kredit Pegawai/

Pensiunan Employee/

Retired Loans

-

- - - - 632 9.179 - -

14 - - - - - - 45.941 1.378 -

15 - - - - - - 135.997 972 -

16 - - - - - -

17 - - - - - - 18 - - - - - -

550

-

19 - - - - 8.581

1.417

914.539

20 1.834.124 - - 29.316 41.339

-

- 4.460 42.488 -

831.776 2.364 2.067

-

- -

12 - - - -

(16)

9. Risiko Kredit - Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara Individu 9. Credit Risk - Disclosure of Receivables and Provisioning Based on Area - Banks Individually

Keterangan

Description Wilayah 1 Wilayah 2 Wilayah 3

Area 1 Area 2 Area 3

(1) (2) (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

89.433 5.702.348

1.702

81.249 Wilayah Area

30 Juni 2021

393.014

161.542 6.256.904 80.339

6.640 2.454

17.296

689 395 18.380 5.283

2.149 752 8.184 75.056

4.491 No.

Total

1 2

3

4 2.926 1.078 421 4.425

5.189

- - 5.189

5 37.675 8.889 1.832 48.396

6