Tabel Manajemen Risiko Risk Management Table

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Tabel Manajemen Risiko

Risk Management Table

I KOMPONEN MODAL / CAPITAL COMPONENT

A . Modal Inti / Core Capital (Tier-1)

1. Modal disetor / Paid-in Capital 2. Cadangan Tambahan Modal / Additional Reserve Capital 0RGDO,QRYDWLI Innovative Capital Instruments

)DNWRU3HQJXUDQJ0RGDO,QWL / Tier-1 Capital Deduction Factor 5. Kepentingan Non Pengendali / Non-controlling Interest B . Modal Pelengkap / Supplementary Capital (Tier-2)

1. Level Atas / Upper Tier-2

2. Level Bawah maksimum 50% Modal Inti / Lower Tier-2 (maximum 50% of Tier-1 Capital)

)DNWRU3HQJXUDQJ0RGDO3HOHQJNDS Tier-2 Capital Deduction Factor C. Faktor Pengurang Modal Inti dan Modal Pelengkap /

Tier-1 and Tier-2 Capital Deduction Factor

Eksposur Sekuritisasi / Securitization Exposures D. Modal Pelengkap Tambahan Yang Memenuhi Persyaratan (Tier 3) / Additional Supplementary Capital (Tier-3) E. Modal Pelengkap Tambahan Yang Dialokasikan Untuk Mengantisipasi Risiko Pasar /

Additional Supplementary Capital For Market Risk Anticipation II TOTAL MODAL INTI DAN MODAL PELENGKAP (A+B-C) /

TOTAL OF CORE CAPITAL AND SUPPLEMENTARY CAPITAL (A+B-C) III TOTAL MODAL INTI, MODAL PELENGKAP, DAN MODAL PELENGKAP

TAMBAHAN YANG DIALOKASIKAN UNTUK MENGANTISIPASI RISIKO PASAR (A+B-C+E) /

TOTAL OF CORE CAPITAL, SUPPLEMENTARY CAPITAL, AND ADDITIONAL SUPPLEMENTARY FOR MARKET RISK ANTICIPATION (A+B-C+E) IV ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO KREDIT /

RISK WEIGHTED ASSET FOR CREDIT RISK

V ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO OPERASIONAL / RISK WEIGHTED ASSET FOR OPERATIONAL RISK

VI ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO PASAR / RISK WEIGHTED ASSET FOR MARKET RISK

A Metode Standar / Standardized Method B Model Internal / Internal Model

VII RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK RISIKO KREDIT, RISIKO OPERASIONAL DAN RISIKO PASAR [III: (IV+V+VI)] / MINIMUM CAPITAL ADEQUACY RATIO FOR CREDIT RISK, OPERATIONAL 5,6.$1'0$5.(75,6.>,,,,999,@ - - - 72.929 72.929 -17,12%

(Jutaan Rupiah /Million Rupiah) 'HVHPEHU December 31, 2012 Tabel 1 Pengungkapan Struktur Permodalan - Bank secara Individual

Table 1 Disclosure of Capital Structure – Bank Only

1. Modal disetor / Paid-in Capital

0RGDO,QRYDWLI Innovative Capital Instruments -

5. Kepentingan Non Pengendali /Non-controlling Interest

-1. Level Atas /Upper Tier-2

)DNWRU3HQJXUDQJ0RGDO3HOHQJNDSTier-2 Capital Deduction Factor

Eksposur Sekuritisasi /Securitization Exposures

E. Modal Pelengkap Tambahan Yang Dialokasikan Untuk Mengantisipasi Risiko Pasar /

Additional Supplementary Capital For Market Risk Anticipation

-III TOTAL MODAL INTI, MODAL PELENGKAP, DAN MODAL PELENGKAP TAMBAHAN YANG DIALOKASIKAN UNTUK MENGANTISIPASI RISIKO PASAR (A+B-C+E) /

TOTAL OF CORE CAPITAL, SUPPLEMENTARY CAPITAL, AND ADDITIONAL

SUPPLEMENTARY FOR MARKET RISK ANTICIPATION (A+B-C+E)

V ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO OPERASIONAL /

RISK WEIGHTED ASSET FOR OPERATIONAL RISK

A Metode Standar / Standardized Method 72.929

VII RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK RISIKO KREDIT, RISIKO OPERASIONAL DAN RISIKO PASAR [III: (IV+V+VI)] / MINIMUM CAPITAL ADEQUACY RATIO FOR CREDIT RISK, OPERATIONAL

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PT Bank Mizuho Indonesia, 2010 Annual Report

72

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 Real Estate

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

Eksposur di Unit Syariah /

Exposures at Sharia Based Business Activity Unit

- - -10 -12 - - - 2.102.691 - - -57.125 -(Jutaan Rupiah / Millions Rupiah)

$UHD $UHD Area 5 Area 6 Area 7 Total

Receivables on Sovereigns - - -

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional /

Receivables on Multilateral Development Banks and

International Institutions - - -

-Kredit Beragun Rumah Tinggal / Loans Secured by Residential

Property - - -

-Tagihan Kepada Korporasi /

Aset Lainnya /

Other Assets - - - 57.125

Employee/Retired Loans - - -

-Tabel 2.1 Pengungkapan Tagihan Bersih berdasarkan Wilayah - Bank secara Individual

Table 2.1 Disclosure of Net Receivables by Area - Bank Only 'HVHPEHUDecember 31 2012

Tagihan Bersih Berdasarkan Wilayah / Net Receivables by Area

Area 2 Area 1 Kategori Portofolio / Portfolio Category - - 11.652.555 -57.125 - -22.012 -Area 1 : Jakarta

Area 2 : Jawa Barat - West Java $UHD-DZD7HQJDKCentral Java $UHD-DZD7LPXUEast Java Area 5 : Sumatera & Kalimantan

Area 6 : Indonesia Timur (Bali, Sulawesi, Nusa Tenggara, Maluku & Papua) - Eastern Indonesia (Bali, Sulawesi, Nusa Tenggara, Maluku & Papua) Area 7 : Di luar Indonesia - Overseas

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Receivables on Public Sector Entities

Receivables on Multilateral Development Banks and International Institutions

Loans Secured by Residential Property

Loans Secured by Commercial Real Estate

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel /

Receivables on Micro, Small Business & Retail Portfolio

Tagihan Kepada Korporasi /

Tagihan Yang Telah Jatuh Tempo /

Past Due Receivables

Aset Lainnya /

Other Assets

Exposures at Sharia Based Business Activity Unit

- - - - - - - -192.775 - - 1,767.052 - -516.596 -57.125 - 2.102.691 - - -57.125

-(Jutaan Rupiah / Millions Rupiah)

< 1 tahun

< 1 year !WDKXQWDKXQ>1 year – 3 year

!WDKXQ² tahun >3 year – 5 year > 5 tahun > 5 year Non-Kontraktual Non-Contractual Total

Receivables on Sovereigns - - 192.775

Receivables on Multilateral Development Banks and

International Institutions - - -

-Kredit Pegawai/Pensiunan /

Employee/Retired Loans - - -

-Tagihan Kepada Korporasi /

Receivables on Corporate 1,767.052 -

Tabel 2.2 Pengungkapan Tagihan Bersih berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Individual

Table 2.2 Disclosure of Net Receivables by Contractual Maturity – Bank Only

'HVHPEHUDecember 31, 2012

Tagihan Bersih Berdasarkan Sisa Jangka Waktu / Net Receivables by Contractual Maturity Kategori Portofolio /

Portfolio Category

Aset Lainnya /

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'HVHPEHU

December 31, 2012

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 Penyedian Makan Minum /

Hotel and Food & Beverage

Transportasi, Pergudangan dan Komunikasi /

Transportation, Warehousing and Communications

Perantara Keuangan / Financial Intermediary

Real Estate, Usaha Persewaan dan Jasa Perusahaan /

Real Estate, Rental and Business Services

Administrasi Pemerintah, Pertahanan dan Jaminan Sosial Wajib /

Public Administration, Defense and Compulsory Social Security

Jasa Pendidikan /Education Services

Jasa Kesehatan dan Kegiatan Sosial /

Human Health and Social Work Activities

Jasa Kemasyarakatan, Sosial Budaya, Hiburan Perorangan Lainnya /

Public, Socio-Culture, Entertainment and Other Personal Services

Jasa Perorangan yang Melayani Rumah Tangga /

Activities of Households as Employers

Badan Internasional dan Badan Ekstra Internasional Lainnya /

International Institution and Other Extra International Agencies

Kegiatan yang Belum Jelas Batasannya /

8QGHÀQHG$FWLYLWLHV

Bukan Lapangan Usaha /

Non Business Field

Lainnya / Others Total -2.760.269 - - - -2.102.691 - - -(Jutaan Rupiah / Millions Rupiah)

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

-Pertanian, Perburuan dan Kehutanan /

-

-Pertambangan dan Penggalian /Mining and Quarrying

-Transportasi, Pergudangan dan Komunikasi /

-Real Estate, Usaha Persewaan dan Jasa Perusahaan /

-7DEHO3HQJXQJNDSDQ7DJLKDQ%HUVLKEHUGDVDUNDQ6HNWRU(NRQRPL%DQNVHFDUD,QGLYLGXDO

Table 2.3 Disclosure of Net Receivables by Economic Sectors - Bank Only

Sektor Ekonomi / Economic Sectors

-Perdagangan Besar dan Eceran /

-Jasa Pendidikan /Education Services

-Listrik, Gas dan Air /Electricity, Gas and Water - - -

-Jasa Kemasyarakatan, Sosial Budaya, Hiburan Perorangan Lainnya /

Public, Socio-Culture, Entertainment and Other

Personal Services - - - -

-Badan Internasional dan -Badan Ekstra Internasional Lainnya /

International Institution and Other Extra

International Agencies - - - -

-Bukan Lapangan Usaha /

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- 1.199 - - 1.125.660 - -57.125 57.125 -(Jutaan Rupiah / Millions Rupiah)

Tagihan Kepada Usaha Mikro, Usaha

Kecil dan Portofolio Ritel /

Receivables on Micro, Small Business & Retail

Portfolio Tagihan Kepada Korporasi / Receivables on Corporate Tagihan Yang Telah Jatuh Tempo /

Aset Lainnya / Other Assets Eksposur di Unit Syariah / Exposures at Sharia Based Business Activity

Unit - -- - - -- - - -- 1.125.660 - - -7DEHO3HQJXQJNDSDQ7DJLKDQ%HUVLKEHUGDVDUNDQ6HNWRU(NRQRPL%DQNVHFDUD,QGLYLGXDO

Table 2.3 Disclosure of Net Receivables by Economic Sectors - Bank Only

- - - -- - - - -- - - - -- - - - -- - - - - - - - -Kredit Beragun Properti Komersial / Loans Secured by Commercial Real Estate

Kredit Pegawai/ Pensiunan /

Employee / Retired Loans

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76

Tagihan /

Receivables

Tagihan yang mengalami penurunan nilai /

Impaired Receivables

a. Belum Jatuh Tempo / Non Past Due

b. Telah jatuh tempo / Past Due

Cadangan kerugian penurunan nilai (CKPN) – Individual /

Allowance for Impairment Losses - Individual

Cadangan kerugian penurunan nilai (CKPN) – Kolektif /

Allowance for Impairment Losses - Collective

Tagihan yang dihapus buku /

Written-Off Receivables - 222 -519.590 - - -22.716 - - - -551 - - -(Jutaan Rupiah / Millions Rupiah)

$UHD $UHD Area 5 Area 6 Area 7 Total

Tagihan / Receivables 519.590 - a. Belum Jatuh Tempo /

Non Past Due

- Cadangan kerugian penurunan

nilai (CKPN) – Individual / Allowance for Impairment

Losses - Individual -Tagihan yang dihapus buku /

Written-Off Receivables

-7DEHO3HQJXQJNDSDQ7DJLKDQGDQ3HQFDGDQJDQEHUGDVDUNDQ:LOD\DK%DQNVHFDUD,QGLYLGXDO

Table 2.4 Disclosure of Receivables and Provisioning based on Area - Bank Only 'HVHPEHUDecember 31, 2012

Tagihan Berdasarkan Wilayah / Receivables by Area

Area 2 Area 1 Keterangan / Description - - - -Area 1 : Jakarta

Area 2 : Jawa Barat - West Java $UHD-DZD7HQJDK Central Java $UHD-DZD7LPXUEast Java Area 5 : Sumatera & Kalimantan

Area 6 : Indonesia Timur (Bali, Sulawesi, Nusa Tenggara, Maluku & Papua) - Eastern Indonesia (Bali, Sulawesi, Nusa Tenggara, Maluku & Papua) Area 7 : Di luar Indonesia - Overseas

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'HVHPEHU

December 31, 2012

Pertanian, Perburuan dan Kehutanan /

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 /

Penyediaan Akomodasi dan Penyedian Makan Minum /

Hotel and Food & Beverage

Transportasi, Pergudangan dan Komunikasi /

Perantara Keuangan / Financial Intermediary

Real Estate, Usaha Persewaan dan Jasa Perusahaan /

Administrasi Pemerintah, 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 Households

Badan Internasional dan Badan Ekstra Internasional Lainnya / International Institution and Other Extra International Agencies

Kegiatan yang Belum Jelas Batasannya /

8QGHÀQHG$FWLYLWLHV

Bukan Lapangan Usaha / Non Business Field

Lainnya / Others Total - - - - - - - 2.970 - 615 -927 - -(Jutaan Rupiah / Millions Rupiah)

Tagihan /

Receivables

Belum Jatuh Tempo /

Non Past Due

Telah Jatuh Tempo / Past Due Cadangan kerugian Penurunan nilai (CKPN)- Individual / Allowance for Impairment Losses - Individual Cadangan kerugian Penurunan nilai (CKPN)-Kolektiif / Allowance for Impairment Losses - Collective Tagihan yang yang dihapus buku / Written-Off Receivables -2.970 -

Pertanian, Perburuan dan Kehutanan / Agriculture, Hunting and Forestry

- -

Pertambangan dan Penggalian / Mining and Quarrying

-927 -

Transportasi, Pergudangan dan Komunikasi / Transportation, Warehousing and Communications

Tabel 2.5 Pengungkapan Tagihan dan Pencadangan berdasarkan Sektor Ekonomi - Bank secara Individual

Table 2.5 Disclosure of Receivables and Provisioning based on Economic Sectors - Bank Only

Sektor Ekonomi /

Economic Sectors

Jasa Pendidikan / Education Services - - -

-Listrik, Gas dan Air / Electricity, Gas and Water - - -

-Real Estate, Usaha Persewaan dan Jasa Perusahaan /

Real Estate, Rental and Business Services - - -

-Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainnya /

Public, Socio-Culture, Entertainment and Other Personal

Services - - -

-Badan Internasional dan -Badan Ekstra Internasional Lainnya / International Institution and Other Extra

International Agencies - - -

-Bukan Lapangan Usaha / Non Business Field - - - -

-Tagihan yang mengalami penurunan nilai /

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Saldo awal CKPN / Beginning Balance - Allowance for Impairment Losses Pembentukan (pemulihan) CKPN pada periode berjalan (Bersih) / Additional (reversal) allowance for impairment losses during the year (Net) 2.a Pembentukan CKPN pada periode berjalan /

Additional 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 peride berjalan /

Allowance for impairment losses used for written off receivables during the year Pembentukan (pemulihan) lainnya pada periode berjalan /

Other additional (reversal) of allowance during the year Saldo akhir CKPN / Ending Balance

175.662 121.110 -6.907 (Jutaan Rupiah / Million Rupiah) Tabel 2.6 Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank Individual

7DEOH0RYHPHQWVRI$OORZDQFHIRU,PSDLUPHQW/RVVHV'LVFORVXUH%DQN2QO\ 100.000 (50.000) - CKPN Individual / Allowance for Impairment Losses - Individual CKPN Kolektif / Allowance for Impairment Losses - Collective 'HVHPEHU December 31, 2012 Keterangan / Description

Saldo awal CKPN / Beginning Balance - Allowance for Impairment Losses 100.000 175.662

2.a Pembentukan CKPN pada periode berjalan /

Additional allowance for impairment losses during the year 121.110

CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada peride berjalan /

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

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Tagihan kepada Korporasi /

Tagihan yang Telah Jatuh Tempo /

Aset Lainnya / Other Assets

Eksposur di Unit Usaha Syariah /

TOTAL Standard and Poor’s Fitch Rating Moody’s PT. Fitch Ratings Indonesia PT. ICRA Indonesia PT. PEFINDO AAA AAA Aaa AAA (idn) [Idr]AAA idAAA AA+ to AA+ to AA-$DWR$D AA+(idn) to AA-(idn) [Idr]AA+ to [Idr] AA-idAA+ to idAA-Lembaga Peringkat / Rating Company

Peringkat Jangka Panjang /

Long Term Rating

Fitch Rating AAA AA+ to

AA-PT. Fitch Ratings Indonesia

AAA (idn) AA+(idn) to

AA-(idn)

Tagihan Kepada Entitas Sektor Publik / Receivables on Public Sector Entities

Tagihan Kepada Bank / Receivables on Banks

7DEHO3HQJXQJNDSDQ7DJLKDQ%HUVLKEHUGDVDUNDQ.DWHJRUL3RUIROLRGDQ6NDOD3HULQJNDW%DQNVHFDUD,QGLYLGXDO

Table 3.1 Disclosure of Net Receivables by Portfolio and Rating Category - Bank Only

Kategori Portofolio /

PT. PEFINDO idAAA idAA+ to

idAA-Kredit Beragun Properti Komersial / Loans Secured by Commercial Real Estate

Tagihan yang Telah Jatuh Tempo / Past Due Receivables

Eksposur di Unit Usaha Syariah /

- - -1.171 - -1.291 -1.291 - - A+ to A+ to A-$WR$ A+(idn) to A- (idn) [Idr]A+ to [Idr]A-idA to [Idr]A- idA-BBB+ to BBB+ to BBB-%DDWR%DD BBB+(idn) to BBB-(idn) [Idr]BBB+ to [Idr]BBB-idBBB+ to idBBB- 2.102.691 BB+ to BB+ to BB-%DWR%D BB+(idn) to BB-(idn) [Idr]BB+ to [Idr]BB-idBB to [Idr]BB- idBB-'HVHPEHUDecember 31, 2012

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BANK SECARA INDIVIDUAL Suku Bunga / Interest Rate

Nilai Tukar / Foreign Exchange

Lainnya / Others TOTAL - 175.651 -197.017 - - - - (Jutaan Rupiah / Millions Rupiah)

> 5 Tahun / > 5 year Tagihan Derivatif / Derivative Receivables Kewajiban Derivatif / Derivative Liabilities Tagihan Bersih sebelum MRK / Net Receivables before CRM MRK / CRM Tagihan Bersih setelah MRK / Net Receivables after CRM

BANK SECARA INDIVIDUAL

Nilai Tukar / Foreign Exchange - 175.651

7DEHO3HQJXQJNDSDQ5LVLNR.UHGLW3LKDN/DZDQ7UDQVDNVL'HULYDWLI

7DEOH'LVFORVXUHRI&RXQWHUSDUW\&UHGLW5LVN'HULYDWLYH7UDQVDFWLRQ

Variabel yang Mendasari /

Underlying Variables 1.510.557 - - < 1 Tahun /

\HDU < 5 Tahun /> 1 Tahun -

!\HDU\HDUV Notional Amount

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Eksposur Neraca /Balance Sheet Exposures

Tagihan Kepada Pemerintah / Receivables on Sovereigns Tagihan Kepada Entitas Sektor Publik /

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 Real Estate Kredit Pegawai/Pensiunan / Employee/Retired Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Tagihan Kepada Korporasi / Receivables on Corporate Tagihan Yang Telah Jatuh Tempo / Past Due Receivables Aset Lainnya / Other Assets

Total Eksposur Neraca / Total Exposures - Balance Sheet Eksposur Kewajban Komitmen/Kontinjensi pada Transaksi Rekening Administratif /

Off Balance Sheet Commitment/Contigency Receivables Exposures

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 Real Estate Kredit Pegawai/Pensiunan / Employee/Retired Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Tagihan Kepada Korporasi / Receivables on Corporate Tagihan Yang Telah Jatuh Tempo / Past Due Receivables Eksposur di Unit Syariah /

Total Eksposur TRA / Total Exposures - Off Balance Sheets Eksposur akibat Kegagalan Pihak Lawan /

Counterparty Credit Risk

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Tagihan Kepada Korporasi / Receivables on Corporate Eksposur di Unit Syariah /

Total Eksposur Counterparty Credit Risk / Total Exposures - Counterparty Credit Risk

2.952.715 -15.950 - - - - - - - - - - - - - -0% 20% 7DEHO3HQJXQJNDSDQ7DJLKDQ%HUVLKEHUGDVDUNDQ%RERW5LVLNR6HWHODK Memperhitungankan Dampak Mitigasi Risiko Kredit - Bank secara Individual

Table 4.1 Disclosure of Net Receivables by Risk Weight after Credit Risk Mitigation - Bank Only

Kategori Portofolio / Portfolio Category - - - - - - - - - 50% 75%

Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit /

Net Receivables after Calculation of Credit Risk Mitigation Impact

'HVHPEHU

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Eksposur Neraca / Balance Sheet Exposures

Tagihan Kepada Pemerintah / Receivables on Sovereigns

Kredit Pegawai / Pensiunan / Employee / Retired Loans

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio

Tagihan Kepada Korporasi / Receivables on Corporate

Aset Lainnya / Other Assets

Exposures at Sharia Based Business Activity Unit Total Eksposur Neraca /

Total Exposures - Balance sheet

Eksposur Kewajiban Komitmen/Kontinjensi pada TransaksiRekening Administratif / Off Balance Sheet Exposures

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions

Kredit Pegawai/Pensiunan / Employee/Retired Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio

Tagihan Kepada Korporasi / Receivables on Corporate

Exposures at Sharia Based Business Activity Unit Total Eksposur TRA /

Total Exposures - Off Balance Sheets

2.952.715 2.102.691 - - -57.125 - - - - - - - - - -- 1.675.592 -1.675.592 - - -2.952.715 - - -57.125 - - - (Jutaan Rupiah / Millions Rupiah)

Tagihan Bersih / Net Receivables Agunan / Collateral Garansi / Guarantee Asuransi Kredit / Credit Insurance Lainnya / Others Bagian Yang Tidak Dijamin / Unsecured Portion

Eksposur Neraca /Balance Sheet Exposures Tagihan Kepada Entitas Sektor Publik /

Receivables on Public Sector Entities 2.102.691 - -

7DEHO3HQJXQJNDSDQ7DJLKDQ%HUVLKGDQ7HNQLN0LWLJDVL5LVLNR.UHGLW%DQNVHFDUD,QGLYLGXDO

Table 4.2 Disclosure of Net Receivables and Credit Risk Mitigation Techniques - Bank Only

Loans Secured by Commercial Real Estate - - - -

-Tagihan Kepada Bank / Receivables on Banks

Bagian yang Dijamin Dengan /

Portion Secured by

A

B

Tagihan Kepada Bank / Receivables on Banks - -

Tagihan Yang Telah Jatuh Tempo / Past Due Receivables - - - -

-Eksposur di Unit Syariah /

Exposures at Sharia Based Business Activity Unit -

-- -

-Kredit Beragun Properti Komersial / Loans Secured by Commercial Real Estate

-Tagihan Kepada Entitas Sektor Publik /

- - - -

-Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio - - - - Tagihan Yang Telah Jatuh Tempo / Past Due Receivables

(13)

Eksposur akibat Kegagalan Pihak Lawan / Counterparty Credit Risk

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business and Retail Portfolio

Exposures at Sharia Based Business Activity Unit Total Eksposur Counterparty Credir Risk

Total Exposures - Counterparty Credit Risk

Total (A+B+C) -269.252 - - - - - - -269.252 - - (Jutaan Rupiah / Millions Rupiah)

Tagihan Bersih / Net Receivables Agunan / Collateral Garansi/ Guarantee Asuransi Kredit / Credit Insurance Lainnya / Others Bagian Yang Tidak Dijamin / Unsecured Portion

Eksposur akibat Kegagalan Pihak Lawan / Counterparty Credit Risk

Receivables on Public Sector Entities - - -

-7DEHO3HQJXQJNDSDQ7DJLKDQ%HUVLKGDQ7HNQLN0LWLJDVL5LVLNR.UHGLW%DQNVHFDUD,QGLYLGXDO/DQMXWDQ

Table 4.2 Disclosure of Net Receivables and Credit Risk Mitigation Techniques - Bank Only (Continued)

Bagian yang Dijamin Dengan /

Portion Secured by

C

Tagihan Kepada Bank / Receivables on Banks 269.252 - - - - 269.252

(14)

Kredit Beragun Rumah Tinggal / Loans Secured by Residential Property Kredit Beragun Properti Komersial /

Loans Secured by Commercial Real Estate Kredit Pegawai/Pensiunan / Employee/Retired Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Tagihan Kepada Korporasi / Receivables on Corporate Tagihan Yang Telah Jatuh Tempo / Past Due Receivables TOTAL - -

(Jutaan rupiah / Million Rupiah) Tabel 5.1.2 Pengungkapan Eksposur Kewajiban Komitmen/

Kontinjensi pada Transaksi Rekening Administratif - Bank secara Individual

7DEOH&DOFXODWLRQRI5LVN:HLJKWHG$VVHWVIRU&UHGLW5LVNXQGHU6WDQGDUGL]HG$SSURDFK Off Balance Sheet Commitment/Contingency Exposures - Bank Only

- - ATMR Sebelum MRK / RWA before CRM ATMR Setelah MRK / RWA after CRM 'HVHPEHU / December 31, 2012 Kategori Portofolio / Portfolio Category - - Tagihan Bersih / Net Receivables

Receivables on Public Sector Entities - -

-Tagihan Kepada Bank / Receivables on Banks - -

-Kredit Beragun Properti Komersial /

Loans Secured by Commercial Real Estate - -

-Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel /

Receivables on Micro, Small Business & Retail Portfolio - -

-Tagihan Yang Telah Jatuh Tempo / Past Due Receivables - -

-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 Real Estate 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 - - - -52.969 17.551.556 (Jutaan rupiah / Million Rupiah) Tabel 5.1.1 Pengungkapan Eksposur Aset di Neraca - Bank secara Individual

Table 5.1.1. Calculation of Risk Weighted Assets for Credit Risk under Standardized $SSURDFK2Q%DODQFH6KHHW$VVHWV([SRVXUHV%DQN2QO\ -2.102.691 - - -52.969 ATMR Sebelum MRK / RWA before CRM ATMR Setelah MRK / RWA after CRM 'HVHPEHU / December 31, 2012 Kategori Portofolio / Portfolio Category

Tagihan Kepada Pemerintah /Receivables on Sovereigns 2.952.715 -

-2.102.691 - - -57.125 Tagihan Bersih / Net Receivables

(15)

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Tagihan Kepada Korporasi / Receivables on Corporate TOTAL - -

(Jutaan rupiah / Million Rupiah) 7DEHO3HQJXQJNDSDQ(NVSRVXU\DQJ0HQLPEXONDQ5LVLNR.UHGLWDNLEDW.HJDJDODQ3LKDN/DZDQ

(Counterparty Credit Risk) - Bank secara Individual

7DEOH&DOFXODWLRQRI5LVN:HLJKWHG$VVHWVIRU&UHGLW5LVNXQGHU6WDQGDUGL]HG$SSURDFK Counterparty Credit Risk Exposures - Bank Only

- - 271.276 ATMR Sebelum MRK / RWA before CRM ATMR Setelah MRK / RWA after CRM 'HVHPEHU / December 31, 2012 Kategori Portofolio / Portfolio Category -269.252 - Tagihan Bersih / Net Receivables

Receivables on Public Sector Entities - -

-Tagihan Kepada Bank / Receivables on Banks 269.252

TOTAL ATMR RISIKO KREDIT / TOTAL RWA FOR CREDIT RISK TOTAL FAKTOR PENGURANG MODAL / TOTAL CAPITAL DEDUCTION FACTOR

(Jutaan rupiah / Million Rupiah) 'HVHPEHU December 31, 2012 7DEHO3HQJXQJNDSDQ7RWDO3HQJXNXUDQ5LVLNR.UHGLW%DQNVHFDUD,QGLYLGXDO

Table 5.1.4. Disclosure of Total Credit Risk Measurement - Bank Only

Risiko Suku Bunga / Interest Rate Risk D5LVLNR6SHVLÀN6SHFLÀF5LVN b. Risiko Umum / General Risk Risiko Nilai Tukar / Foreign Exchange Risk Risiko Ekuitas / Equity Risk

Risiko Komoditas / Commodity Risk Risiko Option / Option Risk Total - 27.171 -72.929 (Jutaan Rupiah / Million Rupiah) Tabel 6.1 Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar - Bank secara Individual

7DEOH'LVFORVXUHRI0DUNHW5LVN8VLQJ6WDQGDUGL]HG0HWKRG%DQN2QO\ ATMR / RWA 'HVHPEHU / December 31, 2012 Jenis Risiko / Type of Risk - - Beban Modal / Capital Charge D5LVLNR6SHVLÀN6SHFLÀF5LVN -

-Risiko Nilai Tukar / Foreign Exchange Risk 27.171

Risiko Komoditas / Commodity Risk -

(16)

Neraca / Balance Sheet

A. Aset / Assets

1. Kas / Cash

2. Penempatan pada Bank Indonesia / Placement with Bank Indonesia

3HQHPSDWDQSDGDEDQNODLQ Placement with other Bank

6XUDW%HUKDUJDMarketable Securities

5. Kredit yang diberikan / Loans

6. Tagihan Lainnya / Other Receivables

7. Lain-lain / Others

Total Aset / Total Assets

B. Liabilitas / Liabilities

1. Dana Pihak Ketiga / Deposits from Customer

2. Liabilitas kepada Bank Indonesia / Liabilities with Bank Indonesia

Liabilitas kepada bank lain / Liabilities with other bank 6XUDW%HUKDUJD\DQJ'LWHUELWNDQ Securities Issued

5. Pinjaman yang Diterima / Borrowings

6. Liabilitas Lainnya / Other Liabilities

Total Liabilitas / Total Liabilities

Selisih Aset dengan Liabilitas dalam Neraca /

On Balance Sheet Asset and Liabilities Differences

Rekening Administratif / Off Balance Sheet

A. Tagihan Rekening Administratif / Off Balance Sheet Receivables

1. Komitmen / Commitment

2. Kontinjensi / Contingency

Total Tagihan Rekening Administratif /

Total Off Balance Sheet Receivables

A. Liabilitas Rekening Administratif / Off Balance Sheet Liabilities

Total Liabilitas Rekening Administratif /

Total Off Balance Sheet Liabilities

Selisih Tagihan dan Liabilitas Rekening Administratif /

Off Balance Sheet Assets and Liabilities Differences

Selisih [(IA-IB) + (IIA-IIB)] / Differences

Selisih Kumulatif / Cummulative Differences

- - 20.072 - - - - - - - - 229 - 277 - - - - - - - - - - - 790.576 - 655 - - - - - 655 - - - 219.957 - 1.599 - - - - - - - - - - - - - - - - - - - - - - - - - - 20.072 1.069.626 - Saldo /

Balance < 1 bulan /< 1 month

!EOQEOQ >1 3 months !EOQEOQ >3 months -PRQWKV >6 bln - 12 bln / !PRQWKV 12 months >12 bulan / > 12 months 7DEHO3HQJXQJNDSDQ3URÀO0DWXULWDV5XSLDK%DQNVHFDUD,QGLYLGXDO 7DEHO'LVFORVXUHRI5XSLDK0DWXULW\3URÀOH Pos-pos / Account 'HVHPEHUDecember 31, 2012 I II No A. Aset / Assets 2. Penempatan pada Bank Indonesia /

Placement with Bank Indonesia

219.957 -

6XUDW%HUKDUJDMarketable Securities - 229 - 1.599 6. Tagihan Lainnya / Other Receivables - - -

6. Liabilitas Lainnya / Other Liabilities - - - 6XUDW%HUKDUJD\DQJ'LWHUELWNDQ Securities Issued - - - - - - 2. Liabilitas kepada Bank Indonesia /

Liabilities with Bank Indonesia

277 655 - - B. Liabilitas / Liabilities

Rekening Administratif / Off Balance Sheet II

Pendekatan Indikator Dasar / Basic Indicator Approach Total

(jutaan rupiah / million Rupiah) Tabel 7 Pengungkapan Kuantitatif Risiko Operasional - Bank secara Individual

Table 7. Quantitative Disclosure of Operational Risk - Bank Only

Beban Modal / Capital Charge ATMR / RWA 'HVHPEHU / December 31, 2012 Pendekatan Yang Digunakan /

Indicator Approach

3HQGDSDWDQ%UXWR5DWDUDWD tahun terakhir) / Average Gross Income in the past 3 years

(17)

Neraca / Balance Sheet

A. Aset / Assets

1. Kas / Cash

2. Penempatan pada Bank Indonesia / Placement with Bank Indonesia

3HQHPSDWDQSDGDEDQNODLQ Placement with other Bank

6XUDW%HUKDUJDMarketable Securities

5. Kredit yang diberikan / Loans

6. Tagihan Lainnya / Other Receivables

Total Aset / Total Assets

B. Liabilitas / Liabilities

1. Dana Pihak Ketiga / Deposits from Customer

Liabilitas kepada bank lain / Liabilities with other bank 6XUDW%HUKDUJD\DQJ'LWHUELWNDQ Securities Issued

5. Pinjaman yang Diterima / Borrowings

6. Liabilitas Lainnya / Other Liabilities

Total Liabilitas / Total Liabilities

Selisih Aset dengan Liabilitas dalam Neraca /

On Balance Sheet Asset and Liabilities Differences

Rekening Administratif / Off Balance Sheet

A. Tagihan Rekening Administratif / Off Balance Sheet Receivables

Total Tagihan Rekening Administratif /

Total Off Balance Sheet Receivables

A. Liabilitas Rekening Administratif / Off Balance Sheet Liabilities

Total Liabilitas Rekening Administratif /

Total Off Balance Sheet Liabilities

Selisih Tagihan danLiabilitas Rekening Administratif /

Off Balance Sheet Assets and Liabilities Differences

Selisih [(IA-IB) + (IIA-IIB)] / Differences

Selisih Kumulatif / Cummulative Differences

- - - 7.651.297 - 7.651.297 (1.250.017) (1.717.769) (1.717.769) 727.690 9.720.927 - - 7.117.012 - - - - - - - - - - - - - - - - - - 2.625.216 99.979 - - - (1.905.101) - - - - - - - - - - - - (6.592.266) - - - - - - - - - - - - - - (1.717.769) Saldo / Balance < 1 bulan / < 1 month >1 bln s.d. EOQ >1 month 3 months !EOQVG 6 bln / >3 months -PRQWKV >6 bln s.d. 12 bln / !PRQWKV 12 months >12 bulan / > 12 months 7DEHO3HQJXQJNDSDQ3URÀO0DWXULWDV9DODV%DQNVHFDUD,QGLYLGXDO 7DEHO'LVFORVXUHRI)RUHLJQ([FKDQJH0DWXULW\3URÀOH Pos-pos / Account 'HVHPEHUDecember 31, 2012 I II No A. Aset / Assets 2. Penempatan pada Bank Indonesia /