EFFECTIVENESS OF BANK RISK MANAGEMENT SYSTEMS
III. H. Disclosure of Compliance Risk Exposure and Implementation of Compliance Risk Management
Compliance risk is the risk arising from the Bank’s failure to comply with and/or implement the prevailing laws and regulations.
Organization of Compliance Risk Management
In order to minimize compliance risks, all organizational lines need to be responsible for the management of compliance risk in all activities of the Bank.
The Compliance and Risk Management Director, assisted by the Compliance Unit, is responsible for ensuring compliance and minimizing compliance risk by formulating compliance risk management
implementation. The Compliance Unit is independent from other working units. The Compliance and Risk Management Director reports the results to the President Director, which are then presented to the Board of Commissioners.
The Compliance Unit is also responsible for the implementation of the Bank’s Anti-Money Laundering and Combatting the Financing of Terrorism programs in BCA.
'#
front-line in ensuring all business activities are carried out in accordance with the relevant regulations.
Risk Management Strategies Associated with Compliance Risk
BCA has a strong commitment to comply with prevailing laws and regulations and actively takes steps to correct any weaknesses. This is in line with the Bank’s compliance risk management strategy, which contains policies intended to comply with the applicable regulations, foremost through proactive prevention (ex-ante) in order to minimize any occurrence of violations and through curative action (ex-post) as corrective measures.
Compliance Risk Monitoring and Control
In order to control and minimize compliance risk, the Bank has taken the following steps, including to:
''% ~
('% '
regulations and make the necessary changes to internal policies and regulations, as well as to information systems.
* % % ?
&
Risk Management Unit and then reported to the Director of Risk Management and Compliance, who
# ] %
#~
+] $ ' $
regulations.
:?% % %% '
provisions.
)$% %?% '
monitoring commitment to comply with reporting duties to the regulators.
* # the implementation of Anti Money Laundering protocols, which are regularly audited.
In order to improve the effectiveness of internal control, coordination is maintained between the Risk Management Unit, Internal Audit Division and the Compliance Unit through regular meetings and intensive communication. Problems associated with internal compliance control, particularly in addressing potential compliance risks, are comprehensively assessed, allowing the formulation of effective measures.
Application of Integrated Risk Management
In accordance with OJK Regulation No. 17/POJK.03/2014 dated November 18, 2014 and OJK Circular Letter No. 14/
+:/\ ~Z %% ' Risk Management for Financial Conglomerations, BCA has developed an Integrated Risk Management for
< ! %<!!"~
Application of an Integrated Risk Management structure includes:
1. Active supervision of FC BCA by the Board of Directors and the Board of Commissioners of the
* : ># !&
2. Adequacy of policies, procedures, and determination '%' * % &
Z~ = ' # > %% >
monitoring, and mitigation of integrated risk, as well as Integrated Risk Management information
%&
4. Comprehensive internal control system for the implementation of Integrated Risk Management.
BCA has implemented Integrated Risk Management by:
1. Appointing the Director in charge of risk management at BCA as the Director in charge of Integrated Risk Management for the group with the function to implement Integrated Risk Management within the group.
2. Forming an Integrated Risk Management Committee to ensure that the risk management framework provides adequate integrated protection against all risks faced by the Bank and its subsidiaries.
risks faced by the Bank and its subsidiaries can #>%>% >
reported correctly through the implementation of an appropriate risk management framework.
~ ' * : +
included in the Financial Conglomerate for integrated risk management purposes.
~ !% % (#
Reports.
6. Finalizing the compilation of Basic Integrated Risk Management Policies for the implementation of Integrated Risk Management.
7. Reviewing the implementation of integrated risk management.
8. Compiling and submitting Integrated Capital Adequacy Reports.
9. Conducting integrated stress testing (for capital and liquidity).
10. Socializing, coordinating, and communicating with the Subsidiaries.
The Integrated Risk Management Committee has the primary function of providing recommendations to the Board of Directors that consist of the following:
@ % ' % %
policies
@ %$% '
evaluation of results of implementation of the integrated risk management framework.
Throughout 2016, the Integrated Risk Management Committee conducted regular meetings to discuss the following:
! = (
Reporting)
(#
( ' % % $
line and strategies
$'
Integrated Risk Management Committee.
FC BCA manages ten types of integrated risks as # ~ @ eight types of risks that were previously managed within the Bank’s risk management process with the addition of Inter-Group Transaction Risk and Insurance
Inter-group Transaction Risk
FC BCA conducts inter-group transactions in accordance with the principles of fairness and on an arms-length basis in adherence with prevailing regulations. All inter-group transactions are documented appropriately.
Inter-group transactions currently do not have a
% % $ # '%
of the Group.
Insurance Risk
FC BCA manages Insurance Risk through the Bank’s subsidiaries active in the insurance industry. The Insurance Risk of FC BCA is considered to exhibit
“low” inherent risk with “satisfactory” risk management implementation based on current regulatory guidelines.
Based on integrated risk assessment, FC BCA’s capital '# $ may arise or be faced by FC BCA in conducting the integrated businesses.
The Bank’s entities that are included in the implementation of the integrated risk management are: BCA Finance, BCA Finance Limited, BCA Syariah, BCA Sekuritas, BCA Insurance, Central Santosa Finance and BCA Life.
The summary of the implementation of risk management within each entity is as follows:
PT BCA FINANCE
Active Supervision by the Board of Commissioners and the Board of Directors
Active supervision is conducted by the Board of Commissioners and the Board of Directors through the establishment of the following:
!%%$''!%% >
* % !%% _!%%_!/$' Board of Directors and through the Regular Management Meeting(s) (RMM).
Adequacy of Policies and Procedures, and Determination of Limits
* % (~
% % %% '$
Decision Letters.
( % ' % = reviewed.
|}#|
Monitoring and Mitigation Processes as well as Risk Management Information System
% % # every semester.
% % >% >#>%
reports and regular limit reviews.
% % '% % ' blacklisted customers, mitigate fraud through Know Your Customer reports for the => # ' ' %>
implementing credit and behavior score (B-score) ratings, among others.
+% ] $*+~
Comprehensive Internal Control )$ ' ' $ ''$ '# '
' ~:$
by way of active and passive Inspection throughout all work units.
BCA FINANCE LIMITED
Active Supervision by the Board of Commissioners and the Board of Directors
Active supervision by the Board of Directors is conducted through discussions on business and operational activities between the Board of Directors and Management [staff] through regular reports.
Adequacy of Policies and Procedures, and Determination of Limits
* % (D ~
% % # '\( D ~
( > % '%= $~
|}#|
Monitoring and Mitigation Processes as well as Risk Management Information System
% % # quarterly basis.
% % >% >% '%
regular limit reviews.
Comprehensive Internal Control $ * % /'#~
PT BANK BCA SYARIAH
Active Supervision by the Board of Commissioners and the Board of Directors
Active supervision by the Board of Commissioners and the Board of Directors is conducted through the establishment of the following:
/$!%%>!%% % 3% !%%
at the level of the Board of Commissioners, and
* % !%%> < ( !%%> '% @ Committee, and Asset Liability Committee (ALCO) at the level of the Board of Directors Adequacy of Policies and
Procedures, and Determination of Limits
* % (~
% % '$# \( D ~ < (~
( > % '%= $~
|}#|
Monitoring and Mitigation Processes as well as Risk Management Information System
% % # quarterly basis.
% % >% >% '%
regular limit reviews.
Comprehensive Internal Control The effectiveness of internal control is tested by the Internal Audit Work Unit.
PT BCA SEKURITAS
Active Supervision by the Board of Commissioners and the Board of Directors
Active supervision by the Board of Commissioners and the Board of Directors is conducted through the following activities:
% ''!%% ')~
:% ' ] ' %X_ /\
comprising:
¬ * < >
¬ * % <
¬ <
¬ ! <
¬ '% @ < >
¬ !% <
as well as Research Functions outside of the six functions listed above.
@ ' !%% $ $ ' (@
BCA Sekuritas from third parties.
@ ' !%% % * _ Terrorism Financing are discussed at the Board of the Directors and the Board of Commissioners meetings.
@')% ~
@') '% ' % #~
Adequacy of Policies and Procedures, and Determination of Limits
( ( !*
basis for developing guidelines for BCA Sekuritas’ business activities.
* % (~
( > % '%= $~
($'%% % ~
|}#|
Monitoring and Mitigation Processes as well as Risk Management Information System
% % % ' >
customer limits, and customers’ daily transactions, all of which are reported regularly.
% % # $ semester.
Comprehensive Internal Control $ '!+ $ '
Directors and the Compliance Work Unit in accordance with Capital Market regulations.
]}')$ %%
their work units for each internal function.
PT ASURANSI UMUM BCA
Active Supervision by the Board of Commissioners and the Board of Directors
Active supervision is conducted by the Board of Commissioners and the Board of Directors through the establishment of the following committees:
!%% /$!%%$''!%% >
and
$% !%%> ! !%% !%
Finalization Committee at the level of the Board of Directors.
Adequacy of Policies and Procedures, and Determination of Limits
> '
¬ * % %% D >
¬ '!%$> (!$3+ >
¬ K D >
¬ @/ D >
¬ * )$( )(>
¬ (D ~
% % '$# \( D ~ ( % '%= $~
|}#|
Monitoring and Mitigation Processes as well as Risk Management Information System
% % #~
% % >% >#>%
reports and regular limit reviews.
Comprehensive Internal Control Internal supervision is conducted by the Internal Audit Work Unit.
PT CENTRAL SANTOSA FINANCE Active Supervision by the Board of Commissioners and the Board of Directors
Active supervision by the Board of Commissioners and the Board of Directors is conducted in the following forms:
% ''!%% ')~
@') '~
Adequacy of Policies and Procedures, and Determination of Limits
* % (
( > % '%= $~
|}#|
Monitoring and Mitigation Processes as well as Risk Management Information System
% % %#~
%$% '% % ' timely manner as required by management
Comprehensive Internal Control Internal supervision is conducted by the Internal Audit Work Unit.
PT ASURANSI JIWA BCA
Active Supervision by the Board of Commissioners and the Board of Directors
Active supervision is conducted by the Board of Commissioners and the Board of Directors through the establishment of the following:
/$!%% !%%$''!%% >
and
( )$% !%%> $% !%% * % Committee at the level of the Board of Directors.
Adequacy of Policies and Procedures, and Determination of Limits
* % ( %% D ''>
# | %% ~
( > % '%= $~
|}#|
Monitoring and Mitigation Processes as well as Risk Management Information System
% % =#~
% % >% >#>%
reports and regular limit reviews.
Comprehensive Internal Control Internal Audit Division has been established.
04
Table A. Disclosure of the Capital Structure
Disclosure of the Bank’s capital structure (on standalone basis and consolidated) is presented in the audited Consolidated Financial Statements, note No. 39.
Table B.1.a.1. Disclosure of Net Receivables by Region - Bank Only
(in million Rupiah)
No. Portfolio Category
Period of December 31, 2016
Net Receivables by Region
Sumatera Jawa Kalimantan :
Indonesia Total
(1) (2) (3) (4) (5) (6) (7)
1 Receivables on sovereigns - 155,265,610 - - 155,265,610 2 Receivables on public sector entities - 17,881,634 - - 17,881,634 3 Receivables on multilateral development
banks and international institutions
- - - - - 4 Receivables on banks 18,404 40,780,054 5,100 26,809 40,830,367
5 Loans secured by residential property 1,554,551 29,344,240 597,691 1,532,675 33,029,157 6 Loans secured by commercial real estate 522,403 12,089,258 214,454 519,590 13,345,705
7 :% - - - - -
8 Receivables on micro, small business & retail portfolio
2,587,186 53,649,528 619,567 1,271,279 58,127,560 9 Receivables on corporate 19,906,666 309,398,588 4,829,105 13,972,538 348,106,897 10 Past due receivables 117,722 886,220 60,096 43,805 1,107,843 11 Other assets 1,441,283 34,324,329 446,420 1,122,213 37,334,245
12 :?+ $
unit (if any)
- - - - -
Total 26,148,215 653,619,461 6,772,433 18,488,909 705,029,018
(in million Rupiah)
No. Portfolio Category
Period of December 31, 2016
Net Receivables by Region
Sumatera Jawa Kalimantan :
Indonesia Total
(1) (2) (3) (4) (5) (6) (7)
1 Receivables on sovereigns - 127,829,750 - - 127,829,750 2 Receivables on public sector entities - 17,403,885 - - 17,403,885 3 Receivables on multilateral development
banks and international institutions
- - - - - 4 Receivables on banks 31,993 24,351,808 9,348 48,922 24,442,071
5 Loans secured by residential property 1,240,934 24,179,629 566,513 1,141,664 27,128,740 6 Loans secured by commercial real estate 729,740 11,118,284 267,121 354,475 12,469,620
7 :% - - - - -
8 Receivables on micro, small business & retail portfolio
2,696,806 49,856,909 637,536 1,310,441 54,501,692 9 Receivables on corporate 21,051,982 299,032,107 5,332,409 13,402,768 338,819,266 10 Past due receivables 93,630 622,200 34,888 48,533 799,251 11 Other assets 1,441,911 29,315,968 551,632 1,186,606 32,496,117
12 :?+ $ - - - - -
Risk Management Table *
Table B.1.a.2. Disclosure of Net Receivables by Region - Consolidated
(in million Rupiah)
No. Portfolio Category
Period of December 31, 2016
Net Receivables by Region
Sumatera Jawa Kalimantan :
Indonesia
Foreign
Operation Total
(1) (2) (3) (4) (5) (6) (7) (8)
1 Receivables on sovereigns - 155,266,100 - - 324,526 155,590,626 2 Receivables on public sector entities - 17,881,692 - - - 17,881,692 3 Receivables on multilateral development
banks and international institutions
- - - - - - 4 Receivables on banks 18,404 41,036,655 5,100 26,809 247,502 41,334,470
5 Loans secured by residential property 1,554,551 29,344,240 597,691 1,532,675 - 33,029,157 6 Loans secured by commercial real estate 522,403 12,089,258 214,454 519,590 - 13,345,705
7 :% - - - - - - 8 Receivables on micro, small business & retail
portfolio
2,587,186 60,934,843 619,567 1,271,279 - 65,412,875 9 Receivables on corporate 19,906,666 310,488,589 4,829,105 13,972,538 158,550 349,355,448 10 Past due receivables 117,722 964,912 60,096 43,805 - 1,186,535 11 Other assets 1,441,283 34,752,348 446,420 1,122,213 9,769 37,772,033
12 :?+ $
unit (if any)
- 5,025,801 - - - 5,025,801
Total 26,148,215 667,784,438 6,772,433 18,488,909 740,347 719,934,342
(in million Rupiah)
No. Portfolio Category
Period of December 31, 2015 Net Receivables by Region Sumatera Jawa Kalimantan Indonesia
Bagian Timur
Operasi Luar
Negeri Total
(1) (2) (3) (4) (5) (6) (7) (8)
1 Receivables on sovereigns - 127,830,289 - - 333,519 128,163,808 2 Receivables on public sector entities - 17,404,101 - - - 17,404,101 3 Receivables on multilateral development
banks and international institutions
- - - - - - 4 Receivables on banks 31,993 24,591,514 9,348 48,922 182,661 24,864,438
5 Loans secured by residential property 1,240,934 24,179,629 566,513 1,141,664 - 27,128,740 6 Loans secured by commercial real estate 729,740 11,118,284 267,121 354,475 - 12,469,620
7 :% - - - - - - 8 Receivables on micro, small business & retail
portfolio
2,696,806 57,040,675 637,536 1,310,441 - 61,685,458 9 Receivables on corporate 21,051,982 299,265,958 5,332,409 13,402,768 163,954 339,217,071 10 Past due receivables 93,630 720,933 34,888 48,533 - 897,984 11 Other assets 1,441,911 29,685,526 551,632 1,186,606 7,935 32,873,610
12 :?+ $
unit (if any)
- 5,091,382 - - - 5,091,382
Total 27,286,996 596,928,291 7,399,447 17,493,409 688,069 649,796,212
Table B.2.a.1. Disclosure of Net Receivables by Contractual Maturity - Bank Only
(in million Rupiah)
No. Portfolio Category
Period of December 31, 2016
Net Receivables by Contractual Maturity
¦ >1 year to 3 years
>3 year to
5 years > 5 years Non-
Contractual Total
(1) (2) (3) (4) (5) (6) (7) (8)
1 Receivables on sovereigns 97,407,586 30,399,991 26,765,164 692,869 - 155,265,610 2 Receivables on public sector entities 1,543,414 2,446,765 1,811,000 7,734,207 4,346,248 17,881,634 3 Receivables on multilateral development
banks and international institutions
- - - - - -
4 Receivables on banks 25,605,510 5,449,530 1,519,368 233,981 8,021,978 40,830,367 5 Loans secured by residential property 658,122 3,911,563 7,851,680 20,500,323 107,469 33,029,157 6 Loans secured by commercial real estate 1,751,786 727,525 2,428,479 5,003,737 3,434,178 13,345,705
7 :% - - - - - - 8 Receivables on micro, small business & retail
portfolio
6,836,429 25,955,615 15,963,731 7,747,360 1,624,425 58,127,560
9 Receivables on corporate 198,962,246 34,290,797 35,716,054 54,958,479 24,179,321 348,106,897 10 Past due receivables 242,155 104,658 75,649 151,219 534,162 1,107,843 11 Other assets - - - - 37,334,245 37,334,245
12 :?+ $
unit (if any)
- - - - - - Total 333,007,248 103,286,444 92,131,125 97,022,175 79,582,026 705,029,018
(in million Rupiah)
No. Portfolio Category
Period of December 31, 2015
Net Receivables by Contractual Maturity
¦ >1 year to 3 years
>3 year to
5 years > 5 years Non-
Contractual Total
(1) (2) (3) (4) (5) (6) (7) (8)
1 Receivables on sovereigns 86,091,597 27,356,138 10,444,456 3,937,559 - 127,829,750 2 Receivables on public sector entities 1,515,059 1,474,194 427,214 181,546 13,805,872 17,403,885 3 Receivables on multilateral development
banks and international institutions
- - - - - -
4 Receivables on banks 15,879,473 3,230,762 812,301 251,486 4,268,049 24,442,071 5 Loans secured by residential property 610,508 4,329,751 6,395,742 15,700,250 92,489 27,128,740 6 Loans secured by commercial real estate 2,449,073 868,356 949,923 4,754,759 3,447,509 12,469,620
7 :% - - - - - - 8 Receivables on micro, small business & retail
portfolio
6,598,473 23,631,196 14,716,163 8,208,804 1,347,056 54,501,692 9 Receivables on corporate 192,081,653 34,205,155 35,762,190 46,302,846 30,467,422 338,819,266 10 Past due receivables 324,175 126,980 65,880 110,979 171,237 799,251 11 Other assets - - - - 32,496,117 32,496,117
12 :?+ $
unit (if any)
- - - - - -
Total 305,550,011 95,222,532 69,573,869 79,448,229 86,095,751 635,890,392
Table B.2.a.2. Disclosure of Net Receivables by Contractual Maturity - Consolidated
(in million Rupiah)
No. Portfolio Category
Period of December 31, 2016
Net Receivables by Contractual Maturity
¦ >1 year to 3 years
>3 year to
5 years > 5 years Non-
Contractual Total
(1) (2) (3) (4) (5) (6) (7) (8)
1 Receivables on sovereigns 97,408,076 30,399,991 26,917,785 864,774 - 155,590,626 2 Receivables on public sector entities 1,543,420 2,446,799 1,811,018 7,734,207 4,346,248 17,881,692 3 Receivables on multilateral development
banks and international institutions
- - - - - - 4 Receivables on banks 26,109,511 5,449,632 1,519,368 233,981 8,021,978 41,334,470
5 Loans secured by residential property 658,122 3,911,563 7,851,680 20,500,323 107,469 33,029,157 6 Loans secured by commercial real estate 1,751,786 727,525 2,428,479 5,003,737 3,434,178 13,345,705
7 :% - - - - - - 8 Receivables on micro, small business & retail
portfolio
8,887,064 29,352,358 17,957,658 7,960,778 1,255,017 65,412,875 9 Receivables on corporate 198,839,832 35,371,313 35,987,714 54,977,268 24,179,321 349,355,448 10 Past due receivables 277,595 141,317 82,202 151,259 534,162 1,186,535 11 Other assets 3,179 - - - 37,768,854 37,772,033
12 :?+ $
unit (if any)
2,631,308 879,875 808,327 629,537 76,754 5,025,801 Total 338,109,893 108,680,373 95,364,231 98,055,864 79,723,981 719,934,342
(in million Rupiah)
No. Portfolio Category
Period of December 31, 2015
Net Receivables by Contractual Maturity
¦ >1 year to 3 years
>3 year to
5 years > 5 years Non-
Contractual Total
(1) (2) (3) (4) (5) (6) (7) (8)
1 Receivables on sovereigns 86,092,136 27,356,138 10,444,456 4,271,078 - 128,163,808 2 Receivables on public sector entities 1,515,084 1,474,385 427,214 181,546 13,805,872 17,404,101 3 Receivables on multilateral development
banks and international institutions
- - - - - -
4 Receivables on banks 16,146,481 3,385,981 812,441 251,486 4,268,049 24,864,438 5 Loans secured by residential property 610,508 4,329,751 6,395,742 15,700,250 92,489 27,128,740 6 Loans secured by commercial real estate 2,449,073 868,356 949,923 4,754,759 3,447,509 12,469,620
7 :% - - - - - - 8 Receivables on micro, small business & retail
portfolio
8,586,985 27,248,214 16,407,764 8,350,998 1,091,497 61,685,458 9 Receivables on corporate 192,282,260 34,307,389 35,856,135 46,303,865 30,467,422 339,217,071 10 Past due receivables 380,656 166,088 68,956 111,047 171,237 897,984 11 Other assets 3,667 564 - - 32,869,379 32,873,610
12 :?+ $
unit (if any)
3,102,563 56,470 673,617 454,150 804,582 5,091,382
Total 311,169,413 99,193,336 72,036,248 80,379,179 87,018,036 649,796,212
Table B.3.a.1. Disclosure of Net Receivables by Economic Sectors - Bank Only
No. : %+ Receivables on Sovereigns
Receivables on Public Sector
:
Receivables on Multilateral Development Banks
and International Institutions
Receivables on Banks
Loans Secured by Residential
Property
(1) (2) (3) (4) (5) (6) (7)
Period of December 31, 2016
1 Agriculture, hunting and forestry - 225,000 - - -
2 Fishery - - - - -
3 Mining and quarrying - 866,773 - - - 4 Manufacturing - 100,067 - - - 5 :> - 9,807,972 - - - 6 Construction - - - - - 7 Wholesale and retail trading - - - - - 8 Hotel and food & beverage - - - - - 9 Transportation, warehousing and
communications
- - - - - 10 Financial intermediary - 4,373,089 - 40,830,367 -
11 Real estate, rental and business services - - - - - 12 Public administration, defense and compulsory
social security
155,265,610 - - - -
13 : $ - - - - -
14 Human health and social work activities - - - - - 15 Public, socio-culture, entertainment and other
personal services
- - - - - 16 Activities of households as employers - - - - - 17 International institution and other extra
international agencies
- - - - -
18 K # $ - - - - -
19 3 # - - - - 33,029,157
20 Others - 2,508,733 - - -
Total 155,265,610 17,881,634 - 40,830,367 33,029,157
(in million Rupiah) Loans Secured by
Commercial Real :
:%
Loans
Receivables on Micro, Small Business & Retail
Portfolio
Receivables on Corporate Portfolio
Past Due
Receivables Other Assets
:?+
Based Business Activity Unit (if any)
(8) (9) (10) (11) (12) (13) (14)
- - 72,113 22,398,637 30,109 - - - - 21,359 610,957 374 - - - - 17,023 618,837 16,847 - - - - 451,669 102,044,865 129,538 - - - - 2,380 715,316 2,686 - - 142,024 - 158,463 10,646,815 50,529 - - - - 2,507,568 100,181,514 380,049 - - - - 98,315 13,474,104 11,824 - - - - 170,660 21,463,750 78,095 80 -
- - 20,159 13,705,994 1,839 186,134 -
13,203,681 - 146,882 4,034,659 67,161 - - - - - - - - - - - 23,543 850,466 9,702 - - - - 46,853 1,489,437 97 - - - - 239,840 3,435,640 5,857 - - - - - - - - - - - 373 - - - -
- - - 11,042 9 - - - - 44,314,320 23,863,749 275,923 - - - - 9,836,040 28,561,115 47,204 37,148,031 -
13,345,705 - 58,127,560 348,106,897 1,107,843 37,334,245 -
Table B.3.a.1. Disclosure of Net Receivables by Economic Sectors - Bank Only
No. : %+ Receivables on Sovereigns
Receivables on Public Sector
:
Receivables on Multilateral Development Banks
and International Institutions
Receivables on Banks
Loans Secured by Residential
Property
(1) (2) (3) (4) (5) (6) (7)
Period of December 31, 2015
1 Agriculture, hunting and forestry - - - - -
2 Fishery - - - - -
3 Mining and quarrying - 5,026,886 - - - 4 Manufacturing - - - - - 5 :> - 8,024,929 - - - 6 Construction - 402,251 - - - 7 Wholesale and retail trading - - - - - 8 Hotel and food & beverage - - - - - 9 Transportation, warehousing and
communications
- 113,619 - - - 10 Financial intermediary - 1,622,669 - 24,442,071 -
11 Real estate, rental and business services - - - - - 12 Public administration, defense and compulsory
social security
127,829,750 - - - -
13 : $ - - - - -
14 Human health and social work activities - - - - - 15 Public, socio-culture, entertainment and other
personal services
- 130,301 - - - 16 Activities of households as employers - - - - - 17 International institution and other extra
international agencies
- - - - -
18 K # $ - - - - -
19 3 # - - - - 27,128,740
20 Others - 2,083,230 - - -
Total 127,829,750 17,403,885 - 24,442,071 27,128,740
(in million Rupiah) Loans Secured by
Commercial Real :
:%
Loans
Receivables on Micro, Small Business & Retail
Portfolio
Receivables on Corporate Portfolio
Past Due
Receivables Other Assets
:?+
Based Business Activity Unit (if any)
(8) (9) (10) (11) (12) (13) (14)
- - 70,322 19,501,646 25,996 - - - - 18,407 689,843 3,126 - - - - 19,906 889,030 2,296 - - - - 452,809 98,861,575 62,792 - - - - 5,009 634,511 60 - - 191,324 - 161,022 8,938,919 20,202 - - - - 2,418,929 106,295,957 311,359 - - - - 93,099 15,444,635 5,587 - - - - 159,632 22,364,039 86,100 80 -
- - 14,869 9,362,496 - 175,491 - 12,278,296 - 142,864 4,298,105 31,556 - -
- - 6,906 3,470 3 - -
- - 19,048 1,074,201 2 - - - - 45,215 1,689,317 486 - - - - 235,599 2,528,587 5,530 - - - - - - - - - - - 195 - - - -
- - - 11,051 - - - - - 41,979,132 24,141,116 179,932 - - - - 8,658,729 22,090,768 64,224 32,320,546 -
12,469,620 - 54,501,692 338,819,266 799,251 32,496,117 -
Table B.3.a.2. Disclosure of Net Receivables by Economic Sectors - Consolidated
No. : %+ Receivables on Sovereigns
Receivables on Public Sector
:
Receivables on Multilateral Development Banks
and International Institutions
Receivables on Banks
Loans Secured by Residential
Property
(1) (2) (3) (4) (5) (6) (7)
Period of December 31, 2016
1 Agriculture, hunting and forestry - 225,000 - - -
2 Fishery - - - - -
3 Mining and quarrying - 866,773 - - - 4 Manufacturing - 100,067 - - - 5 :> - 9,807,972 - - - 6 Construction - - - - - 7 Wholesale and retail trading - 2 - - - 8 Hotel and food & beverage - - - - - 9 Transportation, warehousing and
communications
- 56 - - - 10 Financial intermediary - 4,373,089 - 41,334,470 -
11 Real estate, rental and business services - - - - - 12 Public administration, defense and compulsory
social security
155,590,626 - - - -
13 : $ - - - - -
14 Human health and social work activities - - - - - 15 Public, socio-culture, entertainment and other
personal services
- - - - - 16 Activities of households as employers - - - - - 17 International institution and other extra
international agencies
- - - - -
18 K # $ - - - - -
19 3 # - - - - 33,029,157
20 Others - 2,508,733 - - -
Total 155,590,626 17,881,692 - 41,334,470 33,029,157
(in million Rupiah) Loans Secured by
Commercial Real :
:%
Loans
Receivables on Micro, Small Business & Retail
Portfolio
Receivables on Corporate Portfolio
Past Due
Receivables Other Assets
:?+
Based Business Activity Unit (if any)
(8) (9) (10) (11) (12) (13) (14)
- - 218,123 22,470,992 32,118 - 453,347 - - 49,245 628,262 772 - 96,329 - - 110,504 695,324 17,625 - 6,705 - - 1,148,675 102,472,875 134,766 - 697,028 - - 2,380 715,458 2,686 - 817 142,024 - 165,800 10,649,342 53,391 - 50,804
- - 3,044,104 100,676,426 384,127 - 716,752 - - 154,417 13,504,552 12,111 - 13,379 - - 293,445 21,555,596 78,987 80 424,912
- - 762,490 13,110,485 2,033 423,293 1,184,417
13,203,681 - 342,115 4,360,906 68,298 - 269,813 - - 296,606 44,088 1,463 - 811,554
- - 310,922 883,221 10,590 - 3,907 - - 181,750 1,536,365 586 - 476 - - 303,143 3,470,677 6,538 - 10,657 - - 1,688,358 - 49,806 - - - - 373 - - - -
- - 2,439,969 156,015 7,511 - - - - 44,314,320 23,863,749 275,923 - 194,280 - - 9,586,136 28,561,115 47,204 37,348,660 90,624
13,345,705 - 65,412,875 349,355,448 1,186,535 37,772,033 5,025,801
Table B.3.a.2. Disclosure of Net Receivables by Economic Sectors - Consolidated
No. : %+ Receivables on Sovereigns
Receivables on Public Sector
:
Receivables on Multilateral Development Banks
and International Institutions
Receivables on Banks
Loans Secured by Residential
Property
(1) (2) (3) (4) (5) (6) (7)
Period of December 31, 2015
1 Agriculture, hunting and forestry - - - - -
2 Fishery - - - - -
3 Mining and quarrying - 5,026,889 - - - 4 Manufacturing - - - - -
5 :> - 8,024,929 - - -
6 Construction - 402,251 - - - 7 Wholesale and retail trading - - - - - 8 Hotel and food & beverage - - - - - 9 Transportation, warehousing and
communications
- 113,662 - - - 10 Financial intermediary - 1,622,669 - 24,864,438 - 11 Real estate, rental and business services - 170 - - - 12 Public administration, defense and compulsory
social security
128,163,808 - - - -
13 : $ - - - - -
14 Human health and social work activities - - - - - 15 Public, socio-culture, entertainment and other
personal services
- 130,301 - - - 16 Activities of households as employers - - - - - 17 International institution and other extra
international agencies
- - - - -
18 K # $ - - - - -
19 3 # - - - - 27,128,740
20 Others - 2,083,230 - - -
Total 128,163,808 17,404,101 - 24,864,438 27,128,740
(in million Rupiah) Loans Secured by
Commercial Real :
:%
Loans
Receivables on Micro, Small Business & Retail
Portfolio
Receivables on Corporate Portfolio
Past Due
Receivables Other Assets
:?+
Based Business Activity Unit (if any)
(8) (9) (10) (11) (12) (13) (14)
- - 264,247 19,541,401 28,289 - 342,691 - - 50,819 698,209 3,355 - 67,692 - - 146,150 946,143 3,385 - 4,370 - - 1,205,162 99,076,820 67,669 - 647,075 - - 5,009 634,803 60 - 1,007 191,324 - 167,523 8,939,959 23,240 - 58,599 - - 3,094,026 106,627,548 315,318 - 506,231 - - 159,409 15,462,098 6,111 - 11,340 - - 299,863 22,432,627 87,256 80 341,801 - - 626,989 8,757,158 364 401,881 747,861 12,278,296 - 380,767 4,438,871 32,905 - 368,179 - - 324,659 9,263 1,349 - 1,172,111
- - 337,412 1,081,613 859 - 2,978 - - 188,077 1,706,375 1,230 - 519 - - 358,697 2,553,255 6,312 - 8,493
- - 1,961,497 - 73,329 - - - - 195 - - - -
- - 1,667,838 78,414 2,797 - - - - 41,979,409 24,141,600 179,932 - - - - 8,467,710 22,090,914 64,224 32,471,649 810,435
12,469,620 - 61,685,458 339,217,071 897,984 32,873,610 5,091,382
Table B.4.a.1. Disclosure of Receivables and Provisioning by Region - Bank Only
(in million Rupiah)
No. Portfolio Category
Period of December 31, 2016
Net Receivables by Region
Sumatera Jawa Kalimantan :
Indonesia Total
(1) (2) (3) (4) (5) (6) (7)
1 Receivables 22,667,225 602,729,906 6,138,933 16,253,010 647,789,074 2 Impaired receivables 162,187 4,301,737 157,443 23,887 4,645,254 a. Non past due 51,357 677,928 - 15,954 745,239 b. Past due 110,830 3,623,809 157,443 7,933 3,900,015 3 Allowance for impairment losses - Individual 123,404 3,747,584 134,179 13,801 4,018,968 4 Allowance for impairment losses - Collective 439,048 8,486,998 204,674 300,867 9,431,587 5 Written-off receivables 41,536 867,078 5,545 21,432 935,591
(in million Rupiah)
No. Portfolio Category
Period of December 31, 2015
Net Receivables by Region
Sumatera Jawa Kalimantan :
Indonesia Total
(1) (2) (3) (4) (5) (6) (7)
1 Receivables 22,117,001 528,659,667 6,477,817 14,870,683 572,125,168 2 Impaired receivables 36,236 2,027,028 140,091 40,107 2,243,462 a. Non past due 1,199 136,873 35,868 9,824 183,764 b. Past due 35,037 1,890,155 104,223 30,283 2,059,698 3 Allowance for impairment losses - Individual 30,997 1,832,181 117,683 35,260 2,016,121 4 Allowance for impairment losses - Collective 329,121 7,517,372 136,804 214,327 8,197,624 5 Written-off receivables 2,172 639,170 1,858 5,945 649,145
Table B.4.a.2. Disclosure of Receivables and Provisioning by Region - Consolidated
(in million Rupiah)
No. Portfolio Category
Period of December 31, 2016
Net Receivables by Region
Sumatera Jawa Kalimantan :
Indonesia
Foreign
Operation Total
(1) (2) (3) (4) (5) (6) (7) (8)
1 Receivables 22,667,225 611,110,837 6,138,933 16,253,010 773,299 656,943,304 2 Impaired Receivables 162,187 4,321,737 157,443 23,887 88,249 4,753,503 a. Non Past Due 51,357 677,928 - 15,954 40,424 785,663 b. Past Due 110,830 3,643,809 157,443 7,933 47,825 3,967,840 3 Allowance for Impairment Losses - Individual 123,404 3,767,584 134,179 13,801 88,249 4,127,217 4 Allowance for Impairment Losses - Collective 439,048 8,794,017 204,674 300,867 - 9,738,606 5 Written-off receivables 41,536 1,115,204 5,545 21,432 - 1,183,717
(in million Rupiah)
No. Portfolio Category
Period of December 31, 2015
Net Receivables by Region
Sumatera Jawa Kalimantan :
Indonesia
Foreign
Operation Total
(1) (2) (3) (4) (5) (6) (7) (8)
1 Receivables 22,117,001 536,009,043 6,477,817 14,870,683 750,495 580,225,039 2 Impaired Receivables 36,236 2,035,028 140,091 40,107 90,290 2,341,752 a. Non Past Due 1,199 136,873 35,868 9,824 41,359 225,123 b. Past Due 35,037 1,898,155 104,223 30,283 48,931 2,116,629 3 Allowance for Impairment Losses - Individual 30,997 1,840,181 117,683 35,260 90,290 2,114,411 4 Allowance for Impairment Losses - Collective 329,121 7,809,607 136,804 214,327 - 8,489,859 5 Written-off receivables 2,172 840,148 1,858 5,945 - 850,123
Table B.5.a.1. Disclosure of Receivables and Provisioning based on Economic Sectors - Bank Only
(in million Rupiah)
No. : %+ Receivables
Impaired Receivables
Allowance for Impairment
Losses - Individual
Allowance for Impairment
Losses - Collective
Written-Off Receivables Non Past Due Past Due
(1) (2) (3) (4) (5) (6) (7) (8)
Period of December 31, 2016
1 Agriculture, hunting and forestry 20,958,594 2,049 149,727 128,199 135,824 6,268 2 Fishery 551,413 - - - 10,087 81 3 Mining and quarrying 1,536,646 - 64,850 48,004 42,858 670 4 Manufacturing 91,969,485 22,729 535,226 439,007 1,995,249 11,275 5 :> 9,662,332 - 18,667 17,512 16,728 - 6 Construction 9,803,852 - 137,777 100,388 222,871 18,956 7 Wholesale and retail trading 92,640,584 302,479 1,304,298 1,341,831 2,255,118 210,868 8 Hotel and food & beverage 12,442,265 46,423 40,060 72,704 883,731 890 9 Transportation, warehousing and
communications
21,065,009 371,559 698,369 985,413 1,143,397 2,118 10 Financial intermediary 58,690,154 - 4,114 2,290 64,635 55 11 Real estate, rental and business services 14,640,443 - 201,605 147,736 746,976 7,270 12 Public administration, defense and
compulsory social security
158,257,479 - - - - 30 13 : $ 736,190 - 13,951 4,513 6,811 187
14 Human health and social work activities 1,405,218 - - - 106,009 745 15 Public, socio-culture, entertainment and
other personal services
3,319,942 - - - 79,473 2,222
16 Activities of households as employee - - - - - - 17 International and other extra international
institutions
372 - - - 3 - 18 K # $ 11,160 - - - 418 35
19 3 # 101,283,185 - - - 1,067,277 372,911 20 Others 48,814,751 - 731,371 731,371 654,122 301,010
Total 647,789,074 745,239 3,900,015 4,018,968 9,431,587 935,591
Table B.5.a.1. Disclosure of Receivables and Provisioning based on Economic Sectors - Bank Only
(in million Rupiah)
No. : %+ Receivables
Impaired Receivables Allowance for Impairment
Losses - Individual
Allowance for Impairment
Losses - Collective
Written-Off Receivables Non Past Due Past Due
(1) (2) (3) (4) (5) (6) (7) (8)
Period of December 31, 2015
1 Agriculture, hunting and forestry 18,006,469 9,995 132,046 121,026 234,376 182 2 Fishery 605,428 - - - 12,974 - 3 Mining and quarrying 5,892,284 - - - 36,537 583 4 Manufacturing 85,233,335 50,145 163,067 174,303 1,250,839 5,458 5 :> 8,396,619 19,821 600 19,246 6,897 - 6 Construction 8,651,567 - - - 236,765 392 7 Wholesale and retail trading 90,079,876 24,840 296,211 249,341 2,206,084 17,693 8 Hotel and food & beverage 13,732,323 9,324 40,263 45,952 266,601 1,192 9 Transportation, warehousing and
communications 21,681,671 65,033 658,278 656,966 1,195,777 425 10 Financial intermediary 35,562,655 - 15,370 15,369 58,438 26 11 Real estate, rental and business services 14,291,603 - 8,752 8,504 501,409 1,673 12 Public administration, defense and
compulsory social security 128,810,364 - - - 78 - 13 : $ 914,424 - - - 15,622 57
14 Human health and social work activities 1,468,765 - - - 61,528 108 15 Public, socio-culture, entertainment and
other personal services 2,533,321 4,606 - 2,657 50,605 377
16 Activities of households as employee - - - - - - 17 International and other extra international
institutions 194 - - - 1 - 18 K # $ 11,083 - - - 364 7,744
19 3 # 93,295,022 - - - 1,198,184 357,411 20 Others 42,958,165 - 745,111 722,757 864,545 255,824
Total 572,125,168 183,764 2,059,698 2,016,121 8,197,624 649,145