Risk Management Table
B. Leverage Ratio Calculation Report
in million Rupiah
No. Information Period
31 December 2022 30 September 2022 On-Balance Sheet Exposure
1 On-balance sheet exposure including collateral, but excluding derivatives and securities financing transaction (SFTs)
(gross value before deducting impairment provisions)
1,165,337,957 1,129,603,188
2 Gross-up for derivatives collateral provided where deducted from balance
sheet assets pursuant to the accounting standard. - -
3 (Deductions of receivable assets for CVM provided in derivatives
transactions) - -
4 (Adjustment for securities received under securities financing transactions
that are recognised as an asset) - -
5 (Impairment provision those assets inline with accounting standard applied) (34,480,718) (36,107,465) 6 (Asset amounts deducted in determining Basel III Tier 1 capital and regulatory
adjustments) (17,223,637) (17,039,935)
7 Total On-Balance Sheet Exposure 1,113,633,602 1,076,455,788
(Sum of rows 1 to 6) Derivative Exposure
8 Replacement cost associated with all derivatives transactions (where
applicable net of eligible cash variation margin and/or with bilateral netting) 140,445 264,069
9 Add on amounts for PFE associated with all derivatives transactions. 513,215 615,328
10 (Exempted central counterparty (CCP) leg of client-cleared trade exposures) N/A N/A
11 Adjusted effective notional amount of written credit derivatives. - -
12 (Adjusted effective notional offsets and add-on deductions for written credit
derivatives) - -
No. Information Period
31 December 2022 30 September 2022 Securities Financing Transaction (SFT) Exposure
14 Gross SFT Assets. 152,408,798 165,807,945
15 (Netted amounts of cash payables and cash receivables of gross SFT assets) - -
16 Counterparty credit risk exposure for SFT assets refers to current exposure
calculation. 23,530,501 27,809,031
17 Agent transaction exposures. - -
18 Total SFT Exposure 175,939,299 193,616,976
(Sum of rows 14 to 17) Other Off-Balance Sheet Exposure
19 Off-balance sheet exposure at gross notional amount.
(gross value before deducting impairment provision) 356,065,425 339,936,924
20 (Adjustment from the result of multiplying commitment payable or contingent payables with credit conversion factor and deducted with impairment provision)
(235,215,203) (226,728,109)
21 (Impairment provision for off balance sheet inline with accounting standard) (3,437,454) (3,266,731)
22 Total Other Off-Balance Sheet Exposure 117,412,768 109,942,084
(Sum of rows 19 to 21) Capital and Total Exposure
23 Tier 1 Capital 196,799,387 187,687,698
24 Total Exposure 1,407,639,329 1,380,894,245
(Sum of rows 7,13,18,22) Leverage Ratio
25 Leverage ratio (including the impact of any applicable temporary
exemption of central bank reserves) 13.98% 13.59%
25a Leverage ratio (excluding the impact of any applicable temporary exemption
of central bank reserves) 13.98% 13.59%
26 National Minimum Leverage Ratio Requirement 3.00% 3.00%
27 Applicable Leverage Buffer N/A N/A
Disclosures of Mean Values
28 Mean value of gross SFT assets, after adjustment for sale accounting transactions and netted of amounts of associated cash payables and cash receivables.
169,681,191 168,875,188
29 Quarter-end value of gross SFT assets, after adjustment for sale accounting transactions and netted of amounts of associated cash payables and cash receivables.
152,408,798 165,807,945
30 Total exposures (including the impact of any applicable temporary exemption of central bank reserves) incorporating mean values from row 28 of gross SFT assets.
1,424,911,722 1,383,961,488
30a Total exposures (excluding the impact of any applicable temporary exemption of central bank reserves) incorporating mean values from row 28 of gross SFT asset.
1,424,911,722 1,383,961,488
31 Leverage ratio (including the impact of any applicable temporary exemption of central bank reserves) incorporating mean values from row 28 of gross SFT assets.
13.81% 13.56%
31a Leverage ratio (excluding the impact of any applicable temporary exemption of central bank reserves) incorporating mean values from row 28 of gross SFT assets.
13.81% 13.56%
10.b. Leverage Ratio - Exposure in Leverage Ratio Report and Report of Leverage Calculation - Consolidated A. Exposure in Leverage Ratio Report
in million Rupiah
No. Information As of December 31, 2022
1 Total assets on the balance sheet in published financial statements.
(Gross value before deducting impairment provision). 1,350,193,862
2 Adjustment for investment in Bank, Financial Institution, Insurance Company, and/or other entities that consolidated based on accounting standard yet out of scope consolidation based on Financial Services Authority (OJK)
(3,400,700)
3 Adjustment for portfolio of financial asset that have underlying which already transferred to without recourse securitization asset as stipulated in OJK’s statutory regulations related to Prudential Principles in Securitization Asset Activity for General Bank
-
In the event that the underlying financial asset has been deducted from the total assets in the statement of financial position, the number on this line is 0 (zero).
4 Adjustment to temporary exception of Placement to Bank Indonesia in accordance
Statutory Reserve Requirement (if any) N/A
5 Adjustment to fiduciary asset that recognized as balance sheet based on accounting standard
yet excluded from total exposure in Leverage Ratio calculation. N/A
6 Adjustment to acquisition cost or sales price of financial assets regularly using
trade date accounting method -
7 Adjustment to qualified cash pooling transaction as stipulated in Financial Services Authority (OJK)
regulation.
-
8 Adjustment to exposure of derivative transaction. 553,342
9 Adjustment to exposure of Securities Financing Transaction (SFT) as example:
reverse repo transaction. 25,132,545
10 Adjustment to exposure of Off Balance Sheet transaction that already multiply with Credit
Conversion Factor. 121,063,663
11 Prudent valuation adjustments in form of capital deduction factor and impairment. (48,751,690)
12 Other adjustments -
13 Total Exposure in Leverage Ratio Calculation 1,444,791,022
B. Leverage Ratio Calculation Report
in million Rupiah
No. Information Period
31 December 2022 30 September 2022 On-Balance Sheet Exposure
1 On-balance sheet exposure including collateral, but excluding derivatives and securities financing transaction (SFTs)
(gross value before deducting impairment provisions)
1,192,423,206 1,153,893,246
2 Gross-up for derivatives collateral provided where deducted from balance
sheet assets pursuant to the accounting standard, - -
3 (Deductions of receivable assets for CVM provided in derivatives
transactions) - -
4 (Adjustment for securities received under securities financing transactions
that are recognised as an asset) - -
5 (Impairment provision those assets inline with accounting standard applied) (35,460,771) (37,319,801) 6 (Asset amounts deducted in determining Basel III Tier 1 capital and regulatory
adjustments) (9,852,570) (9,707,238)
7 Total On-Balance Sheet Exposure 1,147,109,865 1,106,866,207
(Sum of rows 1 to 6) Derivative Exposure
8 Replacement cost associated with all derivatives transactions (where
applicable net of eligible cash variation margin and/or with bilateral netting) 140,445 264,069
9 Add on amounts for PFE associated with all derivatives transactions, 513,215 615,328
10 (Exempted central counterparty (CCP) leg of client-cleared trade exposures) N/A N/A
11 Adjusted effective notional amount of written credit derivatives, - -
12 (Adjusted effective notional offsets and add-on deductions for written credit
derivatives) - -
13 Total Derivative Exposure 653,660 879,397
(Sum of rows 8 to 12)
No. Information Period
31 December 2022 30 September 2022 Securities Financing Transaction (SFT) Exposure
14 Gross SFT Assets, 154,268,221 168,646,422
15 (Netted amounts of cash payables and cash receivables of gross SFT assets) - -
16 Counterparty credit risk exposure for SFT assets refers to current exposure
calculation, 25,133,962 30,392,517
17 Agent transaction exposures, - -
18 Total SFT Exposure 179,402,183 199,038,939
(Sum of rows 14 to 17) Other Off-Balance Sheet Exposure
19 Off-balance sheet exposure at gross notional amount,
(gross value before deducting impairment provision) 357,348,310 340,774,366
20 (Adjustment from the result of multiplying commitment payable or contingent payables with credit conversion factor and deducted with impairment provision)
(236,284,647) (227,468,868)
21 (Impairment provision for off balance sheet inline with accounting standard) (3,438,349) (3,267,626)
22 Total Other Off-Balance Sheet Exposure 117,625,314 110,037,872
(Sum of rows 19 to 21) Capital and Total Exposure
23 Tier 1 Capital 212,445,689 203,426,768
24 Total Exposure 1,444,791,022 1,416,822,415
(Sum of rows 7,13,18,22) Leverage Ratio
25 Leverage ratio (including the impact of any applicable temporary
exemption of central bank reserves) 14.7% 14.36%
25a Leverage ratio (excluding the impact of any applicable temporary exemption
of central bank reserves) 14.7% 14.36%
26 National Minimum Leverage Ratio Requirement 3.00% 3.00%
27 Applicable Leverage Buffer N/A N/A
Disclosures of Mean Values
28 Mean value of gross SFT assets, after adjustment for sale accounting transactions and netted of amounts of associated cash payables and cash receivables,
172,792,694 172,226,405
29 Quarter-end value of gross SFT assets, after adjustment for sale accounting transactions and netted of amounts of associated cash payables and cash receivables,
154,268,221 168,646,422
30 Total exposures (including the impact of any applicable temporary exemption of central bank reserves) incorporating mean values from row 28 of gross SFT assets,
1,463,315,495 1,420,402,398
30a Total exposures (excluding the impact of any applicable temporary exemption of central bank reserves) incorporating mean values from row 28 of gross SFT asset,
1,463,315,495 1,420,402,398
31 Leverage ratio (including the impact of any applicable temporary exemption of central bank reserves) incorporating mean values from row 28 of gross SFT assets,
14.52% 14.32%
31a Leverage ratio (excluding the impact of any applicable temporary exemption of central bank reserves) incorporating mean values from row 28 of gross SFT assets,
14.52% 14.32%
11.a. Disclosure of Net Receivables by Region - Bank Only
(in million Rupiah)
No. Portfolio Category
Period of December 31, 2022 Net Receivables by Region
Sumatra Java Kalimantan Eastern
Indonesia Total
(1) (2) (3) (4) (5) (6) (7)
1 Receivables on sovereigns - 479,012,996 - - 479,012,996
2 Receivables on public sector entities 7,847 43,314,112 - - 43,321,959
3 Receivables on multilateral
development banks and international institutions
- - - - -
4 Receivables on banks 459,622 59,247,375 155,832 56,449 59,919,278
5 Loans secured by residential property 2,719,602 50,009,248 1,090,311 2,650,418 56,469,579 6 Loans secured by commercial real
estate 1,174,418 21,553,923 205,320 552,248 23,485,909
7 Employee/retired loans - - - - -
8 Receivables on micro, small business &
retail portfolio 2,496,305 55,760,018 898,822 1,581,181 60,736,326
9 Receivables on corporate 27,303,900 529,325,796 12,201,431 18,104,518 586,935,645
10 Past due receivables 148,580 1,606,258 36,360 99,563 1,890,761
11 Other assets 3,337,158 48,250,510 861,110 2,258,713 54,707,491
Total 37,647,432 1,288,080,236 15,449,186 25,303,090 1,366,479,944
11.a. Disclosure of Net Receivables by Region - Bank Only
(in million Rupiah)
No. Portfolio Category
Period of December 31, 2021 Net Receivables by Region
Sumatra Java Kalimantan Eastern
Indonesia Total
(1) (2) (3) (4) (5) (6) (7)
1 Receivables on sovereigns - 459,436,433 - - 459,436,433
2 Receivables on public sector entities - 44,938,662 68,982 - 45,007,644
3 Receivables on multilateral
development banks and international institutions
- - - - -
4 Receivables on banks 150,780 73,419,688 31,377 62,011 73,663,856
5 Loans secured by residential property 2,619,385 42,353,044 957,259 2,466,323 48,396,011 6 Loans secured by commercial real
estate 1,724,850 20,216,656 210,358 544,287 22,696,151
7 Employee/retired loans - - - - -
8 Receivables on micro, small business &
retail portfolio 2,331,925 52,340,068 804,786 1,439,855 56,916,634
9 Receivables on corporate 25,937,964 473,376,534 10,594,259 16,074,915 525,983,672
10 Past due receivables 164,795 2,500,463 33,207 83,776 2,782,241
11 Other assets 3,791,044 47,404,836 1,276,096 2,423,425 54,895,401
Total 36,720,743 1,215,986,384 13,976,324 23,094,592 1,289,778,043
No. Portfolio Category
Period of December 31, 2022 Net Receivables by Region Sumatra Java Kalimantan Eastern
Indonesia Foreign
Operation Total
(1) (2) (3) (4) (5) (6) (7) (8)
1 Receivables on sovereigns - 488.459.292 - - 347.730 488.807.022
2 Receivables on public sector entities 7.847 43.970.103 - - - 43.977.950
3 Receivables on multilateral
development banks and international institutions
- - - -
4 Receivables on banks 459.624 60.051.981 155.832 56.449 169.961 60.893.847
5 Loans secured by residential property 2.728.263 50.293.162 1.090.311 2.651.699 - 56.763.435 6 Loans secured by commercial real
estate 1.177.481 21.795.276 205.320 553.781 - 23.731.858
7 Employee/retired loans - 234.276 - - - 234.276
8 Receivables on micro, small business &
retail portfolio 3.774.260 62.977.378 1.399.770 2.102.370 - 70.253.778
9 Receivables on corporate 27.786.885 539.081.681 12.213.999 18.804.292 955.872 598.842.729
10 Past due receivables 154.798 1.698.331 38.039 102.467 - 1.993.635
11 Other assets 3.337.158 50.049.027 861.110 2.258.713 17.067 56.523.075
Total 39.426.316 1.318.610.507 15.964.381 26.529.771 1.490.630 1.402.021.605
11.b. Credit Risk - Disclosure of Net Receivables by Region - Consolidated
(in million Rupiah)
No. Portfolio Category
Period of December 31, 2021 Net Receivables by Region
Sumatra Java Kalimantan Eastern
Indonesia Foreign
Operation Total
(1) (2) (3) (4) (5) (6) (7) (8)
1 Receivables on sovereigns - 466,528,656 - - 321,885 466,850,541
2 Receivables on public sector entities - 45,472,890 68,982 - - 45,541,872
3 Receivables on multilateral
development banks and international institutions
- - - -
4 Receivables on banks 150,780 74,083,035 31,377 62,011 49,439 74,376,642
5 Loans secured by residential property 2,622,588 42,535,539 957,259 2,466,323 - 48,581,709 6 Loans secured by commercial real
estate 1,726,554 20,493,495 210,358 544,287 - 22,974,694
7 Employee/retired loans - 277,746 - - - 277,746
8 Receivables on micro, small business &
retail portfolio 2,336,811 60,646,460 804,786 1,439,855 - 65,227,912
9 Receivables on corporate 26,213,063
480,939,462 10,594,259 16,074,915 552,329 534,374,028
10 Past due receivables 164,794 2,569,597 33,207 83,776 - 2,851,374
11 Other assets 3,791,044 48,710,996 1,276,096 2,423,425 40,470 56,242,031
Total 37,005,634 1,242,257,876 13,976,324 23,094,592 964,123 1,317,298,549
12.a. Credit Risk - Disclosure of Net Receivables by Contractual Maturity - Bank Only
(in million Rupiah)
No. Portfolio Category
Period of December 31, 2022 Net Receivables by Contractual Maturity
≤ 1 year >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 298,953,130 79,621,901 64,070,311 36,367,654 - 479,012,996
2 Receivables on public sector entities 12,054,765 3,424,053 11,228,177 16,614,964 - 43,321,959 3 Receivables on multilateral
development banks and international institutions
- - - -
4 Receivables on banks 40,813,072 18,597,427 508,779 - - 59,919,278
5 Loans secured by residential property 949,105 7,054,512 11,548,411 36,917,551 - 56,469,579 6 Loans secured by commercial real
estate 2,969,181 1,732,327 7,624,376 11,160,025 - 23,485,909
7 Employee/retired loans - - - -
8 Receivables on micro, small business &
retail portfolio 7,268,181 20,802,839 20,104,485 12,560,821 - 60,736,326
9 Receivables on corporate 306,157,820 71,056,385 82,012,792 127,708,648 - 586,935,645
10 Past due receivables 887,650 184,095 176,688 642,328 - 1,890,761
11 Other assets - - - - 54,707,491 54,707,491
Total 670,052,904 202,473,539 197,274,019 241,971,991 54,707,491 1,366,479,944
12.a. Credit Risk - Disclosure of Net Receivables by Contractual Maturity - Bank Only
(in million Rupiah)
No. Portfolio Category
Period of December 31, 2021 Net Receivables by Contractual Maturity
≤ 1 year >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 313,734,327 53,010,913 43,584,558 49,106,635 - 459,436,433
2 Receivables on public sector entities 24,124,624 5,423,856 8,978,757 6,480,407 - 45,007,644 3 Receivables on multilateral
development banks and international institutions
- - - -
4 Receivables on banks 60,346,439 12,649,343 668,074 - - 73,663,856
5 Loans secured by residential property 1,471,897 6,829,734 9,149,947 30,944,433 - 48,396,011 6 Loans secured by commercial real
estate 4,605,916 2,096,175 3,284,784 12,709,276 - 22,696,151
7 Employee/retired loans - - - -
8 Receivables on micro, small business &
retail portfolio 10,375,336 19,716,709 16,938,988 9,885,601 - 56,916,634
9 Receivables on corporate 281,456,139 59,698,702 65,861,745 118,967,086 - 525,983,672
10 Past due receivables 2,624,869 7,102 23,624 126,646 - 2,782,241
11 Other assets - - - - 54,895,401 54,895,401
Total 698,739,547 159,432,534 148,490,477 228,220,084 54,895,401 1,289,778,043
No. Portfolio Category
Period of December 31, 2022 Net Receivables by Contractual Maturity
≤ 1 year >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 305,825,553 81,458,545 64,980,093 36,542,831 - 488,807,022
2 Receivables on public sector entities 12,341,133 3,463,156 11,233,045 16,940,616 - 43,977,950 3 Receivables on multilateral
development banks and international institutions
- - - -
4 Receivables on banks 41,625,004 18,760,064 508,779 - - 60,893,847
5 Loans secured by residential property 953,531 7,074,939 11,591,300 37,143,665 - 56,763,435 6 Loans secured by commercial real
estate 3,020,837 1,743,190 7,677,879 11,289,952 - 23,731,858
7 Employee/retired loans 7,622 43,025 53,679 129,950 - 234,276
8 Receivables on micro, small business &
retail portfolio 8,712,124 26,200,417 22,448,228 12,893,009 - 70,253,778
9 Receivables on corporate 311,830,425 73,002,102 83,977,334 130,032,868 - 598,842,729
10 Past due receivables 950,569 209,794 189,843 643,429 - 1,993,635
11 Other assets 441,837 116,917 16 353,240 56,052,902 56,523,075
Total 685,266,798 212,072,149 202,660,196 245,969,560 56,052,902 1,402,021,605
12.b. Credit Risk - Disclosure of Net Receivables by Contractual Maturity - Consolidated
(in million Rupiah)
No. Portfolio Category
Period of December 31, 2021 Net Receivables by Contractual Maturity
≤ 1 year >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 320,201,371 53,142,820 44,253,757 49,252,593 - 466,850,541
2 Receivables on public sector entities 24,185,568 5,607,968 9,117,685 6,630,651 - 45,541,872 3 Receivables on multilateral
development banks and international institutions
- - - -
4 Receivables on banks 61,029,742 12,678,811 668,089 - - 74,376,642
5 Loans secured by residential property 1,563,376 6,838,026 9,158,840 31,021,467 - 48,581,709 6 Loans secured by commercial real
estate 4,653,243 2,118,914 3,294,210 12,908,327 - 22,974,694
7 Employee/retired loans 9,441 59,037 63,218 146,050 - 277,746
8 Receivables on micro, small business &
retail portfolio 11,769,960 24,360,313 19,087,744 10,009,895 - 65,227,912
9 Receivables on corporate 285,211,822 60,748,927 68,201,304 120,211,975 - 534,374,028
10 Past due receivables 2,639,696 36,799 45,857 129,022 - 2,851,374
11 Other assets 8,988 1,670 - - 56,231,373 56,242,031
Total 711,273,207 165,593,285 153,890,704 230,309,980 56,231,373 1,317,298,549
13.a. Credit Risk - Disclosure of Net Receivables by Economic Sectors - Bank Only
(in million Rupiah)
No. Economic Sectors Receivables
on Sovereigns
Receivables on Public Sector
Entities
Receivables on Multilateral Development Banks and International
Institutions
Receivables on Banks
Loans Secured by Residential
Property
Loans Secured by Commercial Real
Estate
Employee / Retired Loans
Receivables on Micro, Small Business & Retail
Portfolio
Receivables on Corporate
Portfolio
Past Due
Receivables Other Assets
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
As of December 31, 2022
1 Agriculture, Forestry, and Fisheries - 980,075 - - - - - 415,976 40,482,396 15,084 -
2 Mining and Quarrying Industries - 2,490,145 - - - - - 28,905 2,954,881 6,495 -
3 Processing Industries - 2,021,665 - - - - - 1,246,406 167,180,356 302,465 -
4 Procurement of Electricity, Gas, Steam/
Hot Water and Cold Water - 8,868,248 - - - - - 13,928 4,301,403 - -
5 Water Management, Waste Water Management, Waste Management and Recycling
- - - - 51,424 1,373,521 553 -
6 Construction - 4,115,309 - - - 429,975 - 317,654 30,397,525 64,782 -
7 Wholesale and Retail Trade; Car and
Motorcycle Repair and Maintenance - - - - 6,513,786 150,372,467 731,775 -
8 Transportation and Werehousing - 3,908,655 - - - - - 321,326 21,101,328 13,822 -
9 Hotel and Food & Beverage - - - - 328,331 12,062,208 67,586 -
10 Information and Communication - 8,692,104 - - - - - 100,684 20,473,852 4,317 80
11 Financial and Insurance Activities 4,755,091 7,987,571 - 59,919,278 - - - 43,109 27,383,073 593 538,509
12 Real Estate - - - - - 23,055,934 - - - 66,406 -
13 Professional, Scientific, and Technical
Activities - - - - 337,321 3,498,448 13,687 -
14 Leasing and Leasing Without Option Right, Employment, Travel Agencies, and Other Business Support Activities
- - - - 237,846 7,187,386 14,188 -
15 Public Administration, Defense, and
Compulsory Social Security 474,256,631 - - - -
16 Education Services - - - - 41,786 1,092,581 81 -
17 Human Health and Social Work Activities - 62,306 - - - - - 129,036 5,233,654 3,676 -
18 Art, Entertainment, and Leisure Activities - - - - 29,683 446,766 1,635 -
19 Other Service Activities - 1,366,723 - - - - - 252,529 1,755,091 7,935 -
20 Household Activities as Employer;
Activities which Generate Products or Services by Household, Use for Fulfilling Self-Needs
- - - -
21 International institution and Other Extra
International Agency Activities - - - - 80 1,311 - -
22 Household Activities - - - - 56,469,579 - - 38,246,306 30,700,478 545,618 -
23 Non-Business Field - - - - 11,821,170 1,396,805 30,063 -
24 Others 1,274 2,829,158 - - - - - 259,040 57,540,115 - 54,168,902
Total 479,012,996 43,321,959 - 59,919,278 56,469,579 23,485,909 - 60,736,326 586,935,645 1,890,761 54,707,491
No. Economic Sectors Receivables on Sovereigns
Receivables on Public Sector
Entities
Receivables on Multilateral Development Banks and International
Institutions
Receivables on Banks
Loans Secured by Residential
Property
Loans Secured by Commercial Real
Estate
Employee / Retired Loans
Receivables on Micro, Small Business & Retail
Portfolio
Receivables on Corporate
Portfolio
Past Due
Receivables Other Assets
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
As of December 31, 2022
1 Agriculture, Forestry, and Fisheries - 980,075 - - - - - 415,976 40,482,396 15,084 -
2 Mining and Quarrying Industries - 2,490,145 - - - - - 28,905 2,954,881 6,495 -
3 Processing Industries - 2,021,665 - - - - - 1,246,406 167,180,356 302,465 -
4 Procurement of Electricity, Gas, Steam/
Hot Water and Cold Water - 8,868,248 - - - - - 13,928 4,301,403 - -
5 Water Management, Waste Water Management, Waste Management and Recycling
- - - - 51,424 1,373,521 553 -
6 Construction - 4,115,309 - - - 429,975 - 317,654 30,397,525 64,782 -
7 Wholesale and Retail Trade; Car and
Motorcycle Repair and Maintenance - - - - 6,513,786 150,372,467 731,775 -
8 Transportation and Werehousing - 3,908,655 - - - - - 321,326 21,101,328 13,822 -
9 Hotel and Food & Beverage - - - - 328,331 12,062,208 67,586 -
10 Information and Communication - 8,692,104 - - - - - 100,684 20,473,852 4,317 80
11 Financial and Insurance Activities 4,755,091 7,987,571 - 59,919,278 - - - 43,109 27,383,073 593 538,509
12 Real Estate - - - - - 23,055,934 - - - 66,406 -
13 Professional, Scientific, and Technical
Activities - - - - 337,321 3,498,448 13,687 -
14 Leasing and Leasing Without Option Right, Employment, Travel Agencies, and Other Business Support Activities
- - - - 237,846 7,187,386 14,188 -
15 Public Administration, Defense, and
Compulsory Social Security 474,256,631 - - - -
16 Education Services - - - - 41,786 1,092,581 81 -
17 Human Health and Social Work Activities - 62,306 - - - - - 129,036 5,233,654 3,676 -
18 Art, Entertainment, and Leisure Activities - - - - 29,683 446,766 1,635 -
19 Other Service Activities - 1,366,723 - - - - - 252,529 1,755,091 7,935 -
20 Household Activities as Employer;
Activities which Generate Products or Services by Household, Use for Fulfilling Self-Needs
- - - -
21 International institution and Other Extra
International Agency Activities - - - - 80 1,311 - -
22 Household Activities - - - - 56,469,579 - - 38,246,306 30,700,478 545,618 -
23 Non-Business Field - - - - 11,821,170 1,396,805 30,063 -
24 Others 1,274 2,829,158 - - - - - 259,040 57,540,115 - 54,168,902
Total 479,012,996 43,321,959 - 59,919,278 56,469,579 23,485,909 - 60,736,326 586,935,645 1,890,761 54,707,491
13.a. Credit Risk - Disclosure of Net Receivables by Economic Sectors - Bank Only
(in million Rupiah)
No. Economic Sectors Receivables
on Sovereigns
Receivables on Public Sector
Entities
Receivables on Multilateral Development Banks and International
Institutions
Receivables on Banks
Loans Secured by Residential
Property
Loans Secured by Commercial Real
Estate
Employee / Retired Loans
Receivables on Micro, Small Business & Retail
Portfolio
Receivables on Corporate
Portfolio
Past Due
Receivables Other Assets
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
As of December 31, 2021
1 Agriculture, hunting, and forestry - 1,092,003 - - - - - 202,173 35,171,629 11,403 -
2 Fishery - - - - 42,746 1,000,654 1,527 -
3 Mining and quarrying - 951,634 - - - - - 26,604 1,598,316 11,010 -
4 Manufacturing - 3,337,293 - - - - - 1,030,712 152,311,321 599,025 -
5 Electricity, gas, and water - 7,461,833 - - - - - 7,529 5,890,910 10,377 -
6 Construction - 3,970,338 - - - 286,071 - 249,303 26,271,310 66,981 -
7 Wholesale and retail trading - - - - 5,467,780 134,954,579 642,172 -
8 Hotel and food & beverage - - - - - - - 233,782 13,396,376 492,264 -
9 Transportation, warehousing, and
communications - 9,269,104 - - - - - 309,817 38,920,063 60,561 80
10 Financial intermediary 2,504,268 9,786,974 - 73,663,856 - - - 37,685 21,260,482 1,669 538,722
11 Real estate, rental, and business services - - - - - 22,410,080 - 432,953 8,916,582 136,550 -
12 Public administration, defense, and
compulsory social security 456,924,500 - - - -
13 Education services - - - - 42,624 1,037,197 1,037 -
14 Human health and social work activities - - - - 105,273 4,735,791 809 -
15 Public, socio-culture, entertainment, and
other personal services - 2,763,653 - - - - - 367,398 3,345,783 27,410 -
16 Activities of households as employers - - - -
17 International institution and other extra
international agencies - - - - 181 1,460 - -
18 Undefined activities - - - - 273 - -
19 Non business field - - - - 48,395,787 - - 37,332,192 27,438,492 685,833 -
20 Others 7,665 6,374,812 - - 224 - - 11,027,882 49,732,454 33,613 54,356,599
Total 459,436,433 45,007,644 - 73,663,856 48,396,011 22,696,151 - 56,916,634 525,983,672 2,782,241 54,895,401
No. Economic Sectors Receivables on Sovereigns
Receivables on Public Sector
Entities
Receivables on Multilateral Development Banks and International
Institutions
Receivables on Banks
Loans Secured by Residential
Property
Loans Secured by Commercial Real
Estate
Employee / Retired Loans
Receivables on Micro, Small Business & Retail
Portfolio
Receivables on Corporate
Portfolio
Past Due
Receivables Other Assets
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
As of December 31, 2021
1 Agriculture, hunting, and forestry - 1,092,003 - - - - - 202,173 35,171,629 11,403 -
2 Fishery - - - - 42,746 1,000,654 1,527 -
3 Mining and quarrying - 951,634 - - - - - 26,604 1,598,316 11,010 -
4 Manufacturing - 3,337,293 - - - - - 1,030,712 152,311,321 599,025 -
5 Electricity, gas, and water - 7,461,833 - - - - - 7,529 5,890,910 10,377 -
6 Construction - 3,970,338 - - - 286,071 - 249,303 26,271,310 66,981 -
7 Wholesale and retail trading - - - - 5,467,780 134,954,579 642,172 -
8 Hotel and food & beverage - - - - - - - 233,782 13,396,376 492,264 -
9 Transportation, warehousing, and
communications - 9,269,104 - - - - - 309,817 38,920,063 60,561 80
10 Financial intermediary 2,504,268 9,786,974 - 73,663,856 - - - 37,685 21,260,482 1,669 538,722
11 Real estate, rental, and business services - - - - - 22,410,080 - 432,953 8,916,582 136,550 -
12 Public administration, defense, and
compulsory social security 456,924,500 - - - -
13 Education services - - - - 42,624 1,037,197 1,037 -
14 Human health and social work activities - - - - 105,273 4,735,791 809 -
15 Public, socio-culture, entertainment, and
other personal services - 2,763,653 - - - - - 367,398 3,345,783 27,410 -
16 Activities of households as employers - - - -
17 International institution and other extra
international agencies - - - - 181 1,460 - -
18 Undefined activities - - - - 273 - -
19 Non business field - - - - 48,395,787 - - 37,332,192 27,438,492 685,833 -
20 Others 7,665 6,374,812 - - 224 - - 11,027,882 49,732,454 33,613 54,356,599
Total 459,436,433 45,007,644 - 73,663,856 48,396,011 22,696,151 - 56,916,634 525,983,672 2,782,241 54,895,401
13.b Credit Risk - Disclosure of Net Receivables by Economic Sectors - Consolidated
(in million Rupiah)
No. Economic Sectors Receivables
on Sovereigns
Receivables on Public Sector
Entities
Receivables on Multilateral Development Banks and International
Institutions
Receivables on Banks
Loans Secured by Residential
Property
Loans Secured by Commercial Real
Estate
Employee / Retired Loans
Receivables on Micro, Small Business & Retail
Portfolio
Receivables on Corporate
Portfolio
Past Due
Receivables Other Assets
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
As of December 31, 2022
1 Agriculture, Forestry, and Fisheries - 980,075 - - - - 218,867 760,064 41,803,604 16,845 -
2 Mining and Quarrying Industries - 2,490,145 - - - - - 146,049 3,011,463 7,034 -
3 Processing Industries - 2,021,665 - - - 9,446 - 2,424,516 168,654,236 361,205 -
4 Procurement of Electricity, Gas, Steam/
Hot Water and Cold Water - 9,157,534 - - - - - 22,103 4,302,246 109 -
5 Water Management, Waste Water Management, Waste Management, and Recycling
- - - - 87,784 1,374,964 853 -
6 Construction - 4,125,088 - - - 476,926 - 614,415 30,708,567 66,827 -
7 Wholesale and Retail Trade; Car and
Motorcycle Repair and Maintenance - - - - 4,198 - - 8,472,905 152,643,261 750,141 -
8 Transportation and Werehousing - 3,908,655 - - - 16,098 - 507,243 21,488,599 14,870 -
9 Hotel and Food & Beverage - - - - 25 - - 560,958 12,087,703 69,456 -
10 Information and Communication - 8,692,104 - - - - - 264,564 20,522,833 5,118 80
11 Financial and Insurance Activities 10,573,949 8,313,042 - 60,893,847 - - - 720,444 28,818,022 1,796 969,742
12 Real Estate - - - - - 23,214,552 - 63,790 184,847 66,711 -
13 Professional, Scientific, and Technical
Activities - - - - 534,952 3,507,395 15,120 -
14 Leasing and Leasing Without Option Right, Employment, Travel Agencies, and Other Business Support Activities
- - - - 730,574 7,973,728 19,390 -
15 Public Administration, Defense, and
Compulsory Social Security 478,231,799 - - - - 407,575 1,323,944 3,126 -
16 Education Services - 31,455 - - - - - 364,061 1,116,164 1,825 -
17 Human Health and Social Work Activities - 62,306 - - 342 - - 470,274 5,247,944 5,078 -
18 Art, Entertainment, and Leisure Activities - - - - 113,752 447,534 2,596 -
19 Other Service Activities - 1,366,723 - - - - - 386,320 1,756,281 8,705 -
20 Household Activities as Employer;
Activities which Generate Products or Services by Household, Use for Fulfilling Self-Needs
- - - - 1,353,004 6,361 1,064 -
21 International institution and Other Extra
International Agency Activities - - - - 80 1,311 - -
22 Household Activities - - - - 56,758,870 14,836 15,409 39,408,394 32,924,707 545,703 -
23 Non-Business Field - - - - 11,862,806 1,396,842 30,063 -
24 Others 1,274 2,829,158 - - - - - 22,849 57,540,173 - 55,553,253
Total 488,807,022 43,977,950 - 60,893,847 56,763,435 23,731,858 234,276 70,253,778 598,842,729 1,993,635 56,523,075
No. Economic Sectors Receivables on Sovereigns
Receivables on Public Sector
Entities
Receivables on Multilateral Development Banks and International
Institutions
Receivables on Banks
Loans Secured by Residential
Property
Loans Secured by Commercial Real
Estate
Employee / Retired Loans
Receivables on Micro, Small Business & Retail
Portfolio
Receivables on Corporate
Portfolio
Past Due
Receivables Other Assets
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
As of December 31, 2022
1 Agriculture, Forestry, and Fisheries - 980,075 - - - - 218,867 760,064 41,803,604 16,845 -
2 Mining and Quarrying Industries - 2,490,145 - - - - - 146,049 3,011,463 7,034 -
3 Processing Industries - 2,021,665 - - - 9,446 - 2,424,516 168,654,236 361,205 -
4 Procurement of Electricity, Gas, Steam/
Hot Water and Cold Water - 9,157,534 - - - - - 22,103 4,302,246 109 -
5 Water Management, Waste Water Management, Waste Management, and Recycling
- - - - 87,784 1,374,964 853 -
6 Construction - 4,125,088 - - - 476,926 - 614,415 30,708,567 66,827 -
7 Wholesale and Retail Trade; Car and
Motorcycle Repair and Maintenance - - - - 4,198 - - 8,472,905 152,643,261 750,141 -
8 Transportation and Werehousing - 3,908,655 - - - 16,098 - 507,243 21,488,599 14,870 -
9 Hotel and Food & Beverage - - - - 25 - - 560,958 12,087,703 69,456 -
10 Information and Communication - 8,692,104 - - - - - 264,564 20,522,833 5,118 80
11 Financial and Insurance Activities 10,573,949 8,313,042 - 60,893,847 - - - 720,444 28,818,022 1,796 969,742
12 Real Estate - - - - - 23,214,552 - 63,790 184,847 66,711 -
13 Professional, Scientific, and Technical
Activities - - - - 534,952 3,507,395 15,120 -
14 Leasing and Leasing Without Option Right, Employment, Travel Agencies, and Other Business Support Activities
- - - - 730,574 7,973,728 19,390 -
15 Public Administration, Defense, and
Compulsory Social Security 478,231,799 - - - - 407,575 1,323,944 3,126 -
16 Education Services - 31,455 - - - - - 364,061 1,116,164 1,825 -
17 Human Health and Social Work Activities - 62,306 - - 342 - - 470,274 5,247,944 5,078 -
18 Art, Entertainment, and Leisure Activities - - - - 113,752 447,534 2,596 -
19 Other Service Activities - 1,366,723 - - - - - 386,320 1,756,281 8,705 -
20 Household Activities as Employer;
Activities which Generate Products or Services by Household, Use for Fulfilling Self-Needs
- - - - 1,353,004 6,361 1,064 -
21 International institution and Other Extra
International Agency Activities - - - - 80 1,311 - -
22 Household Activities - - - - 56,758,870 14,836 15,409 39,408,394 32,924,707 545,703 -
23 Non-Business Field - - - - 11,862,806 1,396,842 30,063 -
24 Others 1,274 2,829,158 - - - - - 22,849 57,540,173 - 55,553,253
Total 488,807,022 43,977,950 - 60,893,847 56,763,435 23,731,858 234,276 70,253,778 598,842,729 1,993,635 56,523,075
13.b Credit Risk - Disclosure of Net Receivables by Economic Sectors - Consolidated
(in million Rupiah)
No. Economic Sectors Receivables
on Sovereigns
Receivables on Public Sector
Entities
Receivables on Multilateral Development Banks and International
Institutions
Receivables on Banks
Loans Secured by Residential
Property
Loans Secured by Commercial Real
Estate
Employee / Retired Loans
Receivables on Micro, Small Business & Retail
Portfolio
Receivables on Corporate
Portfolio
Past Due
Receivables Other Assets
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
As of December 31, 2021
1 Agriculture, hunting, and forestry - 1,092,002 - - - - 249,570 628,563 35,950,446 16,026 -
2 Fishery - - - - 120,702 1,198,553 2,309 -
3 Mining and quarrying - 951,634 - - - - - 245,269 1,627,550 12,661 -
4 Manufacturing - 3,337,293 - - 90,713 17,400 - 2,960,459 154,103,048 619,958 -
5 Electricity, gas, and water - 7,561,833 - - - - - 7,598 5,890,921 10,377 -
6 Construction - 3,970,338 - - - 333,284 - 262,673 26,857,654 67,146 -
7 Wholesale and retail trading - - - - 6,546,082 136,903,271 653,113 -
8 Hotel and food & beverage - - - - 116 - - 338,970 13,405,100 493,981 -
9 Transportation, warehousing, and
communications - 9,269,104 - - - 49,377 - 576,616 39,213,666 63,194 80
10 Financial intermediary 2,504,269 10,196,115 - 74,376,642 - - - 681,628 22,563,809 2,754 933,165
11 Real estate, rental, and business services - - - - - 22,572,218 - 948,271 9,624,204 140,800 -
12 Public administration, defense, and
compulsory social security 460,242,822 - - - - 395,220 204 3,329 -
13 Education services - 25,088 - - - - - 401,121 1,063,342 3,421 -
14 Human health and social work activities - - - - 399,214 4,747,837 2,120 -
15 Public, socio-culture, entertainment, and
other personal services - 2,763,653 - - - - - 830,878 3,358,870 32,910 -
16 Activities of households as employers - - - - 1,089,079 1,239 944 -
17 International institution and other extra
international agencies - - - - 181 1,460 - -
18 Undefined activities - - - - 668,747 12,631 6,885 -
19 Non business field - - - - 48,395,787 - - 37,332,193 27,438,495 685,833 -
20 Others 4,103,450 6,374,812 - - 95,093 2,415 28,176 10,794,448 50,411,728 33,613 55,308,786
Total 466,850,541 45,541,872 - 74,376,642 48,581,709 22,974,694 277,746 65,227,912 534,374,028 2,851,374 56,242,031