75 PT Bank Mizuho Indonesia, 2010 Annual Report 71 PT Bank Mizuho Indonesia, 2012 Annual Report 75 PT Bank Mizuho Indonesia, 2013 Annual Report TABEL MANAJEMEN RISIKO | Risk Management Table 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 3. Modal Inovatif / Innovative Capital Instruments 4. Faktor Pengurang Modal Inti / 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) 3. Faktor Pengurang Modal Pelengkap / 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)] / RISK AND MARKET RISK [III: (IV+V+VI)] 3.278.485 1.323.574 1.954.911 - - - 228.920 228.920 - - - - - - 3.507.405 3.507.405 19.178.233 1.234.935 72.929 72.929 - 17,12% 31 Desember 2012 December 31, 2012 Tabel 1 Pengungkapan Struktur Permodalan - Bank secara Individual / Table 1 Disclosure of Capital Structure – Bank Only 5.582.185 3.269.574 2.312.611 - - - 364.896 364.896 - - - - - - 5.947.081 5.947.081 29.485.660 1.324.525 67.805 67.805 - 19,26% 31 Desember 2013 December 31, 2013 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 (14.716) 121.110 (135.826) - 6.907 167.853 (Jutaan Rupiah / Million Rupiah) Tabel 2.1 Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank Individual Table 2.1 Movements of Allowance for Impairment Losses Disclosure - Bank Only 100.000 77.412 127.412 (50.000) - - 177.412 CKPN Individual / Allowance for Impairment Losses - Individual CKPN Kolektif / Allowance for Impairment Losses - Collective 31 Desember 2012 / December 31, 2012 Keterangan / Description 167.853 104.297 183.110 (78.813) - 45.327 317.477 177.412 328 133.728 (133.400) - 33.599 211.339 CKPN Individual / Allowance for Impairment Losses - Individual CKPN Kolektif / Allowance for Impairment Losses - Collective 31 Desember 2013 / December 31, 2013 (Jutaan Rupiah / Million Rupiah)
27
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75PT Bank Mizuho Indonesia, 2010 Annual Report
71PT Bank Mizuho Indonesia, 2012 Annual Report 75PT Bank Mizuho Indonesia, 2013 Annual Report
TABEL MANAJEMEN RISIKO | Risk Management Table
Tabel Manajemen RisikoRisk 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
3. Modal Inovatif / Innovative Capital Instruments
4. Faktor Pengurang Modal Inti / 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)
3. Faktor Pengurang Modal Pelengkap / 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)] /
RISK AND MARKET RISK [III: (IV+V+VI)]
3.278.485
1.323.574
1.954.911
-
-
-
228.920
228.920
-
-
-
-
-
-
3.507.405
3.507.405
19.178.233
1.234.935
72.929
72.929
-
17,12%
31 Desember 2012
December 31, 2012
Tabel 1 Pengungkapan Struktur Permodalan - Bank secara Individual / Table 1 Disclosure of Capital Structure – Bank Only
5.582.185
3.269.574
2.312.611
-
-
-
364.896
364.896
-
-
-
-
-
-
5.947.081
5.947.081
29.485.660
1.324.525
67.805
67.805
-
19,26%
31 Desember 2013 December 31, 2013
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
(14.716)
121.110
(135.826)
-
6.907
167.853
(Jutaan Rupiah / Million Rupiah)
Tabel 2.1 Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank Individual Table 2.1 Movements of Allowance for Impairment Losses Disclosure - Bank Only
100.000
77.412
127.412
(50.000)
-
-
177.412
CKPN Individual /Allowance for
Impairment Losses - Individual
CKPN Kolektif /Allowance for
Impairment Losses - Collective
31 Desember 2012 / December 31, 2012
Keterangan /
Description
167.853
104.297
183.110
(78.813)
-
45.327
317.477
177.412
328
133.728
(133.400)
-
33.599
211.339
CKPN Individual /Allowance for
Impairment Losses - Individual
CKPN Kolektif /Allowance for
Impairment Losses - Collective
31 Desember 2013 / December 31, 2013
(Jutaan Rupiah / Million Rupiah)
76PT Bank Mizuho Indonesia, 2010 Annual Report
76 PT Bank Mizuho Indonesia, 2013 Annual Report
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
Jumlah / Total
-
-
-
-
-
-
-
3
140.761
-
-
-
140.764
-
-
-
-
-
-
-
-
730.023
-
-
-
730.023
-
-
-
-
-
-
-
-
1.967.806
-
-
-
1.967.806
-
916.478
-
-
-
-
-
5
7.302
-
-
-
923.785
-
-
-
597.262
-
-
-
-
948.951
-
-
-
1.546.213
5.265.316
3.072.191
-
4.783.833
-
-
-
42.142
30.252.989
-
60.864
-
43.477.335
Area 3 Area 4 Area 5 Area 6 Area 7 Total
Tabel 2.2 Pengungkapan Tagihan Bersih berdasarkan Wilayah - Bank secara IndividualTable 2.2 Disclosure of Net Receivables by Area - Bank Only
31 Desember 2013 / December 31 2013
Tagihan Bersih Berdasarkan Wilayah / Net Receivables by Area
Area 2Area 1
Kategori Portofolio /
Portfolio Category
5.265.316
1.810.280
-
4.186.571
-
-
-
16.620
14.347.633
-
60.864
-
25.687.284
-
345.433
-
-
-
-
-
25.514
12.110.513
-
-
-
12.481.460
Area 1 : Jakarta
Area 2 : Jawa Barat - West Java
Area 3 : Jawa Tengah - Central Java
Area 4 : Jawa Timur - East 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
TABEL MANAJEMEN RISIKO | Risk Management Table
77PT Bank Mizuho Indonesia, 2010 Annual Report
77PT Bank Mizuho Indonesia, 2013 Annual Report
-
-
-
-
-
-
-
-
119.810
-
-
-
119.810
-
-
-
-
-
-
-
-
531.615
-
-
-
531.615
-
-
-
-
-
-
-
10
1.163.593
-
-
-
1.163.603
-
-
-
-
-
-
-
12
4.821
-
-
-
4.833
-
-
-
582.672
-
-
-
-
1.014.724
-
-
-
1.597.396
2.954.643
2.102.691
-
3.017.464
-
-
-
36.447
20.877.703
-
57.125
-
29.046.073
(Jutaan Rupiah / Millions Rupiah)
Area 3 Area 4 Area 5 Area 6 Area 7 Total
31 Desember 2012 / December 31 2012
Tagihan Bersih Berdasarkan Wilayah / Net Receivables by Area
Area 2Area 1
2.954.643
1.792.603
-
2.434.792
-
-
-
14.413
11.652.555
-
57.125
-
18.906.131
-
310.088
-
-
-
-
-
22.012
6.390.585
-
-
-
6.722.685
78PT Bank Mizuho Indonesia, 2010 Annual Report
78 PT Bank Mizuho Indonesia, 2013 Annual Report
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 & 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
Jumlah / Total
2.231.446
895.301
-
3.346.558
-
-
-
390
21.276.141
-
-
-
27.749.836
-
91.567
-
1.209.127
-
-
-
1.936
4.185.167
-
-
-
5.487.797
-
1.739.890
-
87.381
-
-
-
4.026
2.829.796
-
-
-
4.661.093
187.330
345.433
-
4.558
-
-
-
35.790
1.961.885
-
-
-
2.534.996
2.846.540
-
-
136.209
-
-
-
-
-
-
60.864
-
3.043.613
5.265.316
3.072.191
-
4.783.833
-
-
-
42.142
30.252.989
-
60.864
-
43.477.335
>1 tahun - 3 tahun>1 year – 3 year
>3 tahun – 5 tahun
>3 year – 5 year
> 5 tahun> 5 year
Non-KontraktualNon-Contractual
Total
Tabel 2.3 Pengungkapan Tagihan Bersih berdasarkan Sisa Jangka Waktu Kontrak - Bank secara IndividualTable 2.3 Disclosure of Net Receivables by Contractual Maturity – Bank Only
31 Desember 2013 / December 31, 2013
Tagihan Bersih Berdasarkan Sisa Jangka Waktu / Net Receivables by Contractual MaturityKategori Portofolio /
Portfolio Category
TABEL MANAJEMEN RISIKO | Risk Management Table
79PT Bank Mizuho Indonesia, 2010 Annual Report
79PT Bank Mizuho Indonesia, 2013 Annual Report
966.938
958.423
-
1.589.526
-
-
-
322
15.359.665
-
-
-
18.874.874
-
-
-
871.631
-
-
-
2.278
2.741.308
-
-
-
3.615.217
-
834.180
-
25.470
-
-
-
2.367
1.009.678
-
-
-
1.871.695
192.775
310.088
-
14.241
-
-
-
31.480
1,767.052
-
-
-
2.315.636
1.794.930
-
-
516.596
-
-
-
-
-
-
57.125
-
2.368.651
2.954.643
2.102.691
-
3.017.464
-
-
-
36.447
20.877.703
-
57.125
-
29.046.073
(Jutaan Rupiah / Millions Rupiah)
>1 tahun - 3 tahun>1 year – 3 year
>3 tahun – 5 tahun
>3 year – 5 year
> 5 tahun> 5 year
Non-KontraktualNon-Contractual
Total
31 Desember 2012 / December 31, 2012
Tagihan Bersih Berdasarkan Sisa Jangka Waktu / Net Receivables by Contractual Maturity
80PT Bank Mizuho Indonesia, 2010 Annual Report
02 PT Bank Mizuho Indonesia, 2013 Annual Report
-
-------
-
4.650.932-
614.384
--
-
-
-
---
5.265.316 -
-------
-
2.760.269-
194.374
--
-
-
-
---
2.954.643
-
-2.726.758
-345.433
---
-
--
-
--
-
-
-
---
3.072.191 -
-1.792.603
-310.088
---
-
--
-
--
-
-
-
---
2.102.691
-
-------
-
--
-
--
-
-
-
----
-
-------
-
--
-
--
-
-
-
----
-
-------
-
4.783.833-
-
--
-
-
-
---
4.783.833 -
-------
-
3.017.464-
-
--
-
-
-
---
3.017.464
-
-------
-
--
-
--
-
-
-
----
-
-------
-
--
-
--
-
-
-
----
Tagihan Kepada Pemerintah /
Receivables on Sovereigns
TagihanKepada 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
Tabel 2.4 Pengungkapan Tagihan Bersih berdasarkan Sektor Ekonomi - Bank secara IndividualTable 2.4 Disclosure of Net Receivables by Economic Sectors - Bank Only
Sektor Ekonomi /
Economic Sectors
80 PT Bank Mizuho Indonesia, 2013 Annual Report
31 Desember 2013 / December 31, 2013Pertanian, Perburuan dan Kehutanan / Agriculture, Hunting and ForestryPerikanan / FisheryPertambangan dan Penggalian / Industri Pengolahan / ManufacturingListrik, Gas dan Air / Electricity, Gas and WaterKonstruksi / ConstructionPerdagangan Besar dan Eceran / Wholesale & Retail TradingPenyediaan Akomodasi dan Penyedian Makan Minum / Hotel and Food & BeverageTransportasi, Pergudangan dan Komunikasi / Transportation, Warehousing and CommunicationsPerantara Keuangan / Financial IntermediaryReal Estate, Usaha Persewaan dan Jasa Perusahaan / Real Estate, Rental and Business ServicesAdministrasi Pemerintah, Pertahanan dan Jaminan Sosial Wajib / Public Administration, Defense & Compulsory Social SecurityJasa Pendidikan / Education ServicesJasa Kesehatan dan Kegiatan Sosial / Human Health and Social Work ActivitiesJasa Kemasyarakatan, Sosial Budaya, Hiburan Perorangan Lainnya / Public, Socio-Culture, Entertainment and Other Personal ServicesJasa Perorangan yang Melayani Rumah Tangga / Activities of Households as EmployersBadan Internasional dan Badan Ekstra Internasional Lainnya/ International Institution & Other Extra International AgenciesKegiatan yang Belum Jelas Batasannya / Bukan Lapangan Usaha / Non Business FieldLainnya / OthersJumlah / Total31 Desember 2012 / December 31, 2012Pertanian, Perburuan dan Kehutanan / Agriculture, Hunting and ForestryPerikanan / FisheryPertambangan dan Penggalian /Industri Pengolahan / ManufacturingListrik, Gas dan Air / Electricity, Gas and WaterKonstruksi / ConstructionPerdagangan Besar dan Eceran / Wholesale &Retail TradingPenyediaan Akomodasi dan Penyedian Makan Minum / Hotel and Food & BeverageTransportasi, Pergudangan dan Komunikasi / Transportation, Warehousing and CommunicationsPerantara Keuangan / Financial IntermediaryReal Estate, Usaha Persewaan dan Jasa Perusahaan / Real Estate, Rental and Business ServicesAdministrasi Pemerintah, Pertahanan dan Jaminan Sosial Wajib / Public Administration, Defense & Compulsory Social SecurityJasa Pendidikan / Education ServicesJasa Kesehatan dan Kegiatan Sosial / Human Health and Social Work ActivitiesJasa Kemasyarakatan, Sosial Budaya, Hiburan Perorangan Lainnya / Public, Socio-Culture, Entertainment and Other Personal ServicesJasa Perorangan yang Melayani Rumah Tangga / Activities of Households as EmployersBadan Internasional dan Badan Ekstra Internasional Lainnya/ International Institution & Other Extra International AgenciesKegiatan yang Belum Jelas Batasannya / Bukan Lapangan Usaha / Non Business FieldLainnya / OthersJumlah / Total
TABEL MANAJEMEN RISIKO | Risk Management Table
81PT Bank Mizuho Indonesia, 2010 Annual Report
03PT Bank Mizuho Indonesia, 2013 Annual Report
-
-------
-
--
-
--
-
-
-
-41.163
97942.142
-
-------
-
--
-
--
-
-
-
-35.248
1.19936.447
1.093.426
-256.379
16.869.372-
533.6152.542.984
-
716.877
6.735.4681.504.868
-
--
-
-
-
---
30.252.989
693.460
1482.787
10.113.490-
418.9252.539.035
-
808.779
5.095.5531.125.660
-
--
-
-
-
---
20.877.703
-
-------
-
--
-
--
-
-
-
----
-
-------
-
--
-
--
-
-
-
----
-
-------
-
--
-
--
-
-
-
--
60.86460.864
-
-------
-
--
-
--
-
-
-
--
57.12557.125
-
-------
-
--
-
--
-
-
-
----
-
-------
-
--
-
--
-
-
-
----
(Jutaan Rupiah / Millions Rupiah)
Tagihan Kepada Usaha Mikro, Usaha
Kecil danPortofolio Ritel /
Receivables on Micro, Small Business &
Retail Portfolio
Tagihan KepadaKorporasi /
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
-
-------
-
--
-
--
-
-
-
----
-
-------
-
--
-
--
-
-
-
----
-
-------
-
--
-
--
-
-
-
----
-
-------
-
--
-
--
-
-
-
----
Kredit Beragun Properti Komersial /
Loans Secured by Commercial Real Estate
Kredit Pegawai/ Pensiunan /
Employee /Retired Loans
81PT Bank Mizuho Indonesia, 2013 Annual Report
82PT Bank Mizuho Indonesia, 2010 Annual Report
82 PT Bank Mizuho Indonesia, 2013 Annual Report
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
132.323
266.729
-
211.339
457
-
705.438
-
-
-
14.219
-
1.809.532
-
-
-
75.561
-
923.785
-
-
-
2.009
-
522.235
-
-
-
1.020
-
40.882.787
266.729
-
211.339
317.477
-
Area 3 Area 4 Area 5 Area 6 Area 7 Total
Tabel 2.5 Pengungkapan Tagihan dan Pencadangan berdasarkan Wilayah - Bank secara Individual Table 2.5 Disclosure of Receivables and Provisioning based on Area - Bank Only
31 Desember 2013 / December 31, 2013
Tagihan Berdasarkan Wilayah / Receivables by Area
Area 2Area 1
Keterangan /
Description
24.800.856
-
-
-
125.022
-
11.988.618
-
-
-
99.189
-
Area 1 : Jakarta
Area 2 : Jawa Barat - West Java
Area 3 : Jawa Tengah - Central Java
Area 4 : Jawa Timur - East 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
TABEL MANAJEMEN RISIKO | Risk Management Table
83PT Bank Mizuho Indonesia, 2010 Annual Report
83PT Bank Mizuho Indonesia, 2013 Annual Report
113.262
227.412
-
177.412
222
-
519.590
-
-
-
15.850
-
1.041.708
-
-
-
22.716
-
4.832
-
-
-
42
-
523.382
-
-
-
551
-
26.820.029
227.412
-
177.412
167.853
-
(Jutaan Rupiah / Millions Rupiah)
Area 3 Area 4 Area 5 Area 6 Area 7 Total
31 Desember 2012 / December 31, 2012
Tagihan Berdasarkan Wilayah / Receivables by Area
Area 2Area 1
18.341.910
-
-
-
89.460
-
6.275.345
-
-
-
39.012
-
84PT Bank Mizuho Indonesia, 2010 Annual Report
84 PT Bank Mizuho Indonesia, 2013 Annual Report
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 & Eceran /Wholesale & 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 & Jaminan Sosial
Wajib / Public Administration, Defense & Compulsory Social
Security
Jasa Pendidikan / Education Services
Jasa Kesehatan dan Kegiatan Sosial /Health Services and
Social Activity
Jasa Kemasyarakatan, Sosial Budaya, Hiburan & Perorangan
Lainnya /Public, Socio-Culture, Entertainment and Other
Personal Services
Jasa Perorangan yang Melayani Rumah Tangga / Personal
Services Serving Households
Badan Internasional & Badan Ekstra Internasional Lainnya /
International Institution & Other Extra International Agencies
Kegiatan yang Belum Jelas Batasannya /
Bukan Lapangan Usaha / Non Business Field
Lainnya / Others
Jumlah / Total
1.093.426
-
2.977.752
15.366.890
345.433
290.642
2.333.414
-
832.416
15.475.285
1.450.139
614.384
-
-
-
-
-
-
41.163
61.843
40.882.787
-
-
-
-
-
-
-
-
266.729
-
-
-
-
-
-
-
-
-
-
-
266.729
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
211.339
-
-
-
-
-
-
-
-
-
-
-
211.339
7.447
-
6.534
267.093
750
1.957
7.978
-
3.038
11.074
11.199
407
-
-
-
-
-
-
-
-
317.477
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
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 yangyang dihapus
buku /Written-Off
Receivables
Tabel 2.6 Pengungkapan Tagihan dan Pencadangan berdasarkan Sektor Ekonomi - Bank secara IndividualTable 2.6 Disclosure of Receivables and Provisioning based on Economic Sectors - Bank Only
Sektor Ekonomi /
Economic Sectors
Tagihan yang mengalamipenurunan nilai /
Impaired Receivable
TABEL MANAJEMEN RISIKO | Risk Management Table
31 Desember 2013 / December 31, 2013
85PT Bank Mizuho Indonesia, 2010 Annual Report
85PT Bank Mizuho Indonesia, 2013 Annual Report
687.222
-
1.866.211
8.849.891
310.088
197.242
2.241.360
-
914.392
10.404.867
1.060.810
194.374
-
-
-
-
-
-
35.248
58.324
26.820.029
-
-
-
-
-
-
-
-
227.412
-
-
-
-
-
-
-
-
-
-
-
227.412
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
177.412
-
-
-
-
-
-
-
-
-
-
-
177.412
2.970
-
2.326
140.926
379
615
7.082
-
927
8.700
3.692
236
-
-
-
-
-
-
-
-
167.853
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
(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 yangyang dihapus
buku /Written-Off
Receivables
Tagihan yang mengalamipenurunan nilai /
Impaired Receivable
31 Desember 2012 / December 31, 2012
86PT Bank Mizuho Indonesia, 2010 Annual Report
86 PT Bank Mizuho Indonesia, 2013 Annual Report
31 Desember 2013 / December 31, 2013
Tagihan Kepada Pemerintah / Receivables on SovereignsTagihan Kepada Entitas Sektor Publik /Receivables on Public Sector EntitiesTagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International InstitutionsTagihan Kepada Bank / Receivables on BanksKredit Beragun Rumah Tinggal /Loans Secured by Residential PropertyKredit Beragun Properti Komersial /Loans Secured by Commercial Real EstateKredit Pegawai/Pensiunan / Employee/Retired LoansTagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel /Receivables on Micro, Small Business & Retail PortfolioTagihan kepada Korporasi / Receivables on CorporateTagihan yang Telah Jatuh Tempo / Past Due ReceivablesAset Lainnya / Other AssetsEksposur di Unit Usaha Syariah /Exposures at Sharia Based Business Activity Unit JUMLAH / 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-
AA+ to AA-
Aa1 to Aa3
AA+(idn) to AA-
(idn)
[Idr]AA+ to [Idr]
AA-
idAA+ to idAA-
Lembaga Peringkat /Rating Company
Peringkat Jangka Panjang / Long Term Rating
Tabel 3.1 Pengungkapan Tagihan Bersih berdasarkan Kategori Porfolio dan Skala Peringkat - Bank secara IndividualTable 3.1 Disclosure of Net Receivables by Portfolio and Rating Category - Bank Only
Kategori Portofolio /
Portfolio Category
Tagihan Bersih / Net Receivables
-
-
-
1.041.689-
-
--
1.651.319---
2.693.008
-
-
-
5.924-
-
--
262.633---
268.557
-
-
-
23.052-
-
--
----
23.052
-
-
-
70.441-
-
--
2.663.039---
2.733.480
A+ to A-
A+ to A-
A1 to A3
A+(idn) to A-
(idn)
[Idr]A+ to
[Idr]A-
idA to idA-
BBB+ to BBB-
BBB+ to BBB-
Baa1 to Baa3
BBB+(idn) to
BBB-(idn)
[Idr]BBB+ to
[Idr]BBB-
idBBB+ to
idBBB-
31 Desember 2012 / December 31, 2012
Tagihan Kepada Pemerintah / Receivables on SovereignsTagihan Kepada Entitas Sektor Publik /Receivables on Public Sector EntitiesTagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International InstitutionsTagihan Kepada Bank / Receivables on BanksKredit Beragun Rumah Tinggal /Loans Secured by Residential PropertyKredit Beragun Properti Komersial /Loans Secured by Commercial Real EstateKredit Pegawai/Pensiunan / Employee/Retired LoansTagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel /Receivables on Micro, Small Business & Retail PortfolioTagihan kepada Korporasi / Receivables on CorporateTagihan yang Telah Jatuh Tempo / Past Due ReceivablesAset Lainnya / Other AssetsEksposur di Unit Usaha Syariah /Exposures at Sharia Based Business Activity Unit JUMLAH / TOTAL
-
-
-
850.382-
-
--
1.160.305---
2.010.687
-
-
-
1.171-
-
--
457.463---
458.634
-
-
-
1.291-
-
--
----
1.291
-
-
-
36.248-
-
--
2.113.052---
2.149.300
TABEL MANAJEMEN RISIKO | Risk Management Table
87PT Bank Mizuho Indonesia, 2010 Annual Report
87PT Bank Mizuho Indonesia, 2013 Annual Report
(Jutaan Rupiah / Millions Rupiah)
-
-
-
--
-
--
----
-
-
-
-
--
-
--
----
-
-
-
-
--
-
--
----
-
-
-
-
2.288.805-
-
-42.142
24.465.064-
60.864-
26.856.875
5.265.316
3.072.191
-
4.783.833-
-
-42.142
30.252.989-
60.864-
43.477.335
Tanpa Peringkat
UnratedTotal
5.265.316
2.155.713
-
1.353.922-
-
--
1.155.544---
9.930.495
-
916.478
-
--
-
--
----
916.478
-
-
-
--
-
--
55.390---
55.390
-
-
-
--
-
--
----
-
A-2
F2
P-2
F2(idn)
[Idr]A2+ to
[Idr]A2
idA2
A-3.
F3
P-3
F3(idn)
[Idr]A3+ to
[Idr] A3
idA3 to
idA4
BB+ to BB-
BB+ to BB-
Ba1 to Ba3
BB+(idn) to
BB-(idn)
[Idr]BB+ to
[Idr]BB-
idBB to idBB-
B+ to B-
B+ to B-
B1 to B3
B+(idn) to
B-(idn)
[Idr]B+ to [Idr]B-
idB+ to B-
Kurang dari B-
Lower than B-
Kurang dari B-Lower than B-
Kurang dari B3Lower than B3
Kurang dari B-(idn)
Lower than B-(idn)
Kurang dari [Idr]B-
Lower than [Idr]B-
Kurang dari id B-
Lower than idB-
A-1
F1+ to F1
P-1
F1+(idn) to
F1(idn)
[Idr]A1+ to
[Idr]A1
idA1
Kurang dari A-3
Lower than A-3
Kurang dari F3Lower than F3
Kurang dari P-3Lower than P-3
Kurang dari F3(idn)
Lower than F3(idn)
Kurang dari [Idr]A3
Lower than [Idr]A3
Kurang dari id A4
Lower than id A4
-
-
-
--
-
--
----
-
-
-
-
--
-
--
----
-
-
-
-
--
-
--
----
-
-
-
-
1.298.420-
-
-36.447
16.183.092-
57.125-
17.575.084
2.954.643
2.102.691
-
3.017.464-
-
-36.447
20.877.703-
57.125-
29.046.073
2.954.643
2.102.691
-
829.952-
-
--
913.791---
6.801.077
-
-
-
--
-
--
----
-
-
-
-
--
-
--
50.000---
50.000
-
-
-
--
-
--
----
-
Peringkat Jangka Pendek / Short Term RatingPeringkat Jangka Panjang / Long Term Rating
Tagihan Bersih / Net Receivables
88PT Bank Mizuho Indonesia, 2010 Annual Report
88 PT Bank Mizuho Indonesia, 2013 Annual Report
BANK SECARA INDIVIDUAL
Suku Bunga / Interest Rate
Nilai Tukar / Foreign Exchange
Lainnya / Others
TOTAL
101.281
-
-
101.281
16.596
381.889
-
398.485
13.405
368.242
-
381.647
158.529
550.339
-
708.868
2.794
307
-
3.101
155.735
550.032
-
705.767
2.257.378
2.329.482
-
4.586.860
866.178
4.032.913
-
4.899.091
> 5 Tahun /> 5 year
TagihanDerivatif /Derivative
Receivables
KewajibanDerivatif /Derivative Liabilities
Tagihan Bersih
sebelumMRK /
Net Receivables before CRM
MRK /CRM
Tagihan BersihsetelahMRK /
Net Receivables after CRM
Tabel 3.2 Pengungkapan Risiko Kredit Pihak Lawan: Transaksi DerivatifTable 3.2 Disclosure of Counterparty Credit Risk : Derivative Transaction
Variabel yang Mendasari /
Underlying Variables< 1 Tahun / > 1 Tahun -
< 5 Tahun /
Notional Amount
31 Desember 2013 / December 31, 2013
TABEL MANAJEMEN RISIKO | Risk Management Table
89PT Bank Mizuho Indonesia, 2010 Annual Report
89PT Bank Mizuho Indonesia, 2013 Annual Report
BANK SECARA INDIVIDUAL
Suku Bunga / Interest Rate
Nilai Tukar / Foreign Exchange
Lainnya / Others
TOTAL
315.834
-
-
315.834
21.366
175.651
-
197.017
14.478
164.865
-
179.343
133.430
356.417
-
489.847
1.613
3.758
-
5.371
131.817
352.659
-
484.476
(Jutaan Rupiah / Millions Rupiah)
> 5 Tahun /> 5 year
TagihanDerivatif /Derivative
Receivables
KewajibanDerivatif /Derivative Liabilities
Tagihan Bersih
sebelumMRK /
Net Receivables before CRM
MRK /CRM
Tagihan BersihsetelahMRK /
Net Receivables after CRM
Variabel yang Mendasari /
Underlying Variables
1.510.557
2.201.499
-
3.712.056
55.782
5.968.488
-
6.024.270
< 1 Tahun / > 1 Tahun - < 5 Tahun /
Notional Amount
31 Desember 2012 / December 31, 2012
90PT Bank Mizuho Indonesia, 2010 Annual Report
90 PT Bank Mizuho Indonesia, 2013 Annual Report
Eksposur Neraca / Balance Sheet Exposures
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 & 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
Total Eksposur Neraca / Total Exposures - Balance Sheet
Eksposur Kewajban Komitmen/Kontinjensi pada Transaksi
Rekening Administratif /
Off Balance Sheet Commitment/Contigency Receivables
Exposures
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 & Retail Portfolio
Tagihan Kepada Korporasi / Receivables on Corporate
Tagihan Yang Telah Jatuh Tempo / Past Due Receivables
Eksposur di Unit Syariah /
Exposures at Sharia Based Business Activity Unit
Total Eksposur TRA / Total Exposures - Off Balance Sheets
Eksposur akibat Kegagalan Pihak Lawan /
Counterparty Credit Risk
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
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 /
Exposures at Sharia Based Business Activity Unit
Total Eksposur Counterparty Credit Risk /
Total Exposures - Counterparty Credit Risk
5.265.316
-
-
-
-
-
-
-
87.928
-
4.940
-
5.358.184
-
-
-
-
-
-
-
-
2.296
-
-
2.296
-
-
-
-
-
3.101
-
3.101
-
-
-
2.539.898
-
-
-
-
2.575.974
-
-
-
5.115.872
-
-
-
-
-
-
-
-
36.682
-
-
36.682
-
-
-
83.123
-
50.382
-
133.505
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
0% 20% 35% 40% 45%
Tabel 4.1 Pengungkapan Tagihan Bersih berdasarkan Bobot Risiko Setelah 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
-
1.354.673
-
975.645
-
-
-
-
20.352.711
-
55.924
-
22.738.953
-
-
-
-
-
-
-
-
1.053.960
-
-
1.053.960
-
-
-
-
-
104.437
-
104.437
-
-
-
-
-
-
-
-
55.390
-
-
-
55.390
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
100% 150%Lainnya /
Others
-
1.717.518
-
732.768
-
-
-
-
4.910.621
-
-
-
7.360.907
-
-
-
-
-
-
-
-
1.004.081
-
-
1.004.081
-
-
-
452.399
-
15.426
-
467.825
-
-
-
-
-
-
-
42.142
-
-
-
-
42.142
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
50% 75%
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit /Net Receivables after Calculation of Credit Risk Mitigation Impact
31 Desember 2013 /December 31, 2013
TABEL MANAJEMEN RISIKO | Risk Management Table
91PT Bank Mizuho Indonesia, 2010 Annual Report
91PT Bank Mizuho Indonesia, 2013 Annual Report
-
2.213.432
-
1.850.009
-
-
-
31.607
23.406.301
-
55.924
-
27.557.273
-
-
-
-
-
-
-
-
1.563.337
-
-
1.563.337
-
-
-
242.824
-
122.226
-
365.050
-
177.075
-
148.001
-
-
-
2.529
1.872.504
-
4.474
-
2.204.582
-
-
-
-
-
-
-
-
125.067
-
-
125.067
-
-
-
19.426
-
9.778
-
29.204
(Jutaan Rupiah / Millions Rupiah)
ATMR /RWA
Beban Modal /Capital Charge
2.952.715
-
-
-
-
-
-
-
15.950
-
4.156
2.972.821
-
-
-
-
-
-
-
-
2.367
-
-
2.367
1.928
-
-
-
-
5.372
-
7.300
-
-
-
1.302.996
-
-
-
-
2.007.073
-
-
-
3.310.069
-
-
-
-
-
-
-
-
25.243
-
-
25.243
-
-
-
45.409
-
80.736
-
126.145
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
0% 20% 35% 40% 45%
-
900.444
-
483.576
-
-
-
-
11.864.146
-
52.969
-
13.301.135
-
-
-
-
-
-
-
-
825.450
-
-
825.450
-
-
-
289
-
124.657
-
124.946
-
-
-
-
-
-
-
-
50.000
-
-
-
50.000
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
1.501.568
-
1.224.995
-
-
-
27.335
14.744.690
-
52.969
-
17.551.557
-
-
-
-
-
-
-
-
1.360.773
-
-
1.360.773
-
-
-
121.148
-
144.756
-
265.904
-
120.125
-
98.000
-
-
-
2.187
1.179.575
-
4.238
-
1.404.125
-
-
-
-
-
-
-
-
108.862
-
-
108.862
-
-
-
9.692
-
11.580
-
21.272
100% 150%Lainnya /
Others
ATMR /RWA
Beban Modal /Capital Charge
-
1.202.247
-
961.640
-
-
-
-
4.808.258
-
-
-
6.972.145
-
-
-
-
-
-
-
-
1.060.548
-
-
1.060.548
-
-
-
223.554
-
7.903
-
231.457
-
-
-
-
-
-
-
36.447
-
-
-
-
36.447
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
50% 75%
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit /Net Receivables after Calculation of Credit Risk Mitigation Impact
31 Desember 2012 /December 31, 2012
92PT Bank Mizuho Indonesia, 2010 Annual Report
92 PT Bank Mizuho Indonesia, 2013 Annual Report
Eksposur Neraca / Balance Sheet ExposuresTagihan Kepada Pemerintah / Receivables on SovereignsTagihan Kepada Entitas Sektor Publik / Receivables on Public Sector EntitiesTagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International InstitutionsTagihan Kepada Bank / Receivables on BanksKredit Beragun Rumah Tinggal / Loans Secured by Residential PropertyKredit Beragun Properti Komersial / Loans Secured by Commercial Real EstateKredit Pegawai / Pensiunan / Employee / Retired LoansTagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail PortfolioTagihan Kepada Korporasi / Receivables on CorporateTagihan Yang Telah Jatuh Tempo / Past Due ReceivablesAset Lainnya / Other AssetsEksposur di Unit Syariah / Exposures at Sharia Based Business Activity UnitTotal Eksposur Neraca / Total Exposures - Balance sheetEksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif / Off Balance Sheet ExposuresTagihan Kepada Pemerintah / Receivables on SovereignsTagihan Kepada Entitas Sektor Publik / Receivables on Public Sector EntitiesTagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International InstitutionsTagihan Kepada Bank / Receivables on BanksKredit Beragun Rumah Tinggal / Loans Secured by Residential PropertyKredit Beragun Properti Komersial / Loans Secured by Commercial Real EstateKredit Pegawai/Pensiunan / Employee/Retired LoansTagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail PortfolioTagihan Kepada Korporasi / Receivables on CorporateTagihan Yang Telah Jatuh Tempo / Past Due ReceivablesEksposur di Unit Syariah /Exposures at Sharia Based Business Activity UnitTotal Eksposur TRA /Total Exposures - Off Balance Sheets
Eksposur akibat Kegagalan Pihak Lawan / Counterparty Credit RiskTagihan Kepada Pemerintah / Receivables on SovereignsTagihan Kepada Entitas Sektor Publik / Receivables on Public Sector EntitiesTagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International InstitutionsTagihan Kepada Bank / Receivables on BanksTagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business and Retail PortfolioTagihan Kepada Korporasi / Receivables on CorporateEksposur di Unit Syariah /Exposures at Sharia Based Business Activity UnitTotal Eksposur Counterparty Credir Risk / Total Exposures - Counterparty Credit Risk
Total (A+B+C)
5.265.3163.072.191
-
4.248.311-
-
-42.142
27.982.624-
60.864-
40.671.448
--
-
--
-
--
2.097.019--
2.097.019
--
-
535.522-
173.346-
708.868
43.477.335
-1.717.518
-
365.100-
-
--
2.167.477--
-4.250.095
--
-
--
-
--
610.490--
610.490
--
-
--
--
-
4.860.585
--
-
--
-
--
2.092.762---
2.092.762
--
-
--
-
--
390.502--
390.502
--
-
--
3.101-
3.101
2.486.365
--
-
--
-
--
----
-
--
-
--
-
--
---
-
--
-
--
--
-
-
--
-
--
-
--
----
-
--
-
--
-
--
---
-
--
-
--
--
-
-
5.265.3161.354.673
-
3.883.211-
-
-42.142
23.722.385-
60.864-
34.328.591
--
-
--
-
--
1.096.027--
1.096.027
--
-
535.522-
170.245-
705.767
36.130.385
Tagihan Bersih /Net Receivables
Agunan /Collateral
Garansi /Guarantee
AsuransiKredit /Credit
Insurance
Lainnya /Others
Bagian YangTidak Dijamin /
Unsecured Portion
Tabel 4.2 Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual Table 4.2 Disclosure of Net Receivables and Credit Risk Mitigation Techniques - Bank Only
Kategori Portofolio /
Portfolio Category
Bagian yang Dijamin Dengan /Portion Secured by
31 Desember 2013 / December 31, 2013
TABEL MANAJEMEN RISIKO | Risk Management Table
93PT Bank Mizuho Indonesia, 2010 Annual Report
93PT Bank Mizuho Indonesia, 2013 Annual Report
2.952.7152.102.691
-
2.748.212-
-
-36.447
18.745.427-
57.125-
26.642.617
--
-
--
-
--
1.913.608--
1.913.608
1.928-
-
269.252-
218.668-
489.848
29.046.073
-1.202.247
-
289.125-
-
--
2.975.549---
4.466.921
--
-
--
-
--
804.177--
804.177
--
-
--
--
-
5.271.098
--
-
--
-
--
1.675.592---
1.675.592
--
-
--
-
--
249.450--
249.450
--
-
--
10.744-
10.744
1.935.786
--
-
--
-
--
----
-
--
-
--
-
--
---
-
--
-
--
--
-
-
--
-
--
-
--
----
-
--
-
--
-
--
---
-
--
-
--
--
-
-
2.952.715900.444
-
2.459.087-
-
-36.447
14.094.286-
57.125-
20.500.104
--
-
--
-
--
859.981--
859.981
1.928-
-
269.252-
207.924-
479.104
21.839.189
(Jutaan Rupiah / Millions Rupiah)
Tagihan Bersih /Net Receivables
Agunan /Collateral
Garansi /Guarantee
AsuransiKredit /Credit
Insurance
Lainnya /Others
Bagian YangTidak Dijamin /
Unsecured Portion
Bagian yang Dijamin Dengan /Portion Secured by
31 Desember 2012 / December 31, 2012
94PT Bank Mizuho Indonesia, 2010 Annual Report
94 PT Bank Mizuho Indonesia, 2013 Annual Report
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
-
1.501.568
-
1.224.995
-
-
-
27.335
14.744.689
-
52.969
17.551.556
(Jutaan rupiah / Million Rupiah)
Tabel 5.1 Perhitungan ATMR Risiko Kredit Pendekatan Standar: Eksposur Aset di Neraca Table 5.1. Calculation of Risk Weighted Assets for Credit Risk under Standardized Method
-
2.102.691
-
1.369.558
-
-
-
27.335
16.863.138
-
52.969
20.415.691
ATMR Sebelum
MRK / RWA before CRM
ATMR SetelahMRK /RWA after CRM
31 Desember 2012 / December 31, 2012Kategori Portofolio /
Portfolio Category
2.952.715
2.102.691
-
2.748.212
-
-
-
36.447
18.745.427
-
57.125
26.642.617
TagihanBersih /Net Receivables
-
2.213.432
-
1.850.009
-
-
-
31.607
23.406.301
-
55.924
27.557.273
-
3.072.191
-
2.032.559
-
-
-
31.607
25.368.175
-
-
30.504.532
ATMR Sebelum
MRK / RWA before CRM
ATMR SetelahMRK /RWA after CRM
5.265.316
3.072.191
-
4.248.311
-
-
-
42.142
27.982.624
-
60.864
40.671.448
TagihanBersih /Net Receivables
31 Desember 2013 / December 31, 2013
TABEL MANAJEMEN RISIKO | Risk Management Table
95PT Bank Mizuho Indonesia, 2010 Annual Report
95PT Bank Mizuho Indonesia, 2013 Annual Report
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 & Retail
Portfolio
Tagihan Kepada Korporasi / Receivables on Corporate
Tagihan Yang Telah Jatuh Tempo / Past Due Receivables
TOTAL
-
-
-
-
-
-
-
-
1.360.773
-
1.360.773
(Jutaan rupiah / Million Rupiah)
Tabel 5.2 Perhitungan ATMR Risiko Kredit Pendekatan Standar: Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening AdministratifTable 5.2. Calculation of RWA for Credit Risk under Standardized Approach: Off Balance Sheet Commitment/Contingency Exposures
-
-
-
-
-
-
-
-
1.618.844
-
1.618.844
ATMR SebelumMRK /
RWA before CRM
ATMR SetelahMRK /
RWA after CRM
31 Desember 2012 / December 31, 2012Kategori Portofolio /
Portfolio Category
-
-
-
-
-
-
-
-
1.913.608
-
1.913.608
TagihanBersih /
Net Receivables
-
-
-
-
-
-
-
-
1.563.337
-
1.563.337
-
-
-
-
-
-
-
-
1.831.092
-
1.831.092
ATMR SebelumMRK /
RWA before CRM
ATMR SetelahMRK /
RWA after CRM
-
-
-
-
-
-
-
-
2.097.019
-
2.097.019
TagihanBersih /
Net Receivables
31 Desember 2013 / December 31, 2013
96PT Bank Mizuho Indonesia, 2010 Annual Report
96 PT Bank Mizuho Indonesia, 2013 Annual Report
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
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel /
Receivables on Micro, Small Business & Retail Portfolio
Tagihan Kepada Korporasi / Receivables on Corporate
TOTAL
-
-
-
242.824
-
122.226
365.050
(Jutaan rupiah / Million Rupiah)
Tabel 5.3 Perhitungan ATMR Risiko Kredit Pendekatan Standar: Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Pihak Lawan (Counterparty Credit Risk) Table 5.3. Calculation of Risk Weighted Assets for Credit Risk under Standardized Method: Counterparty Credit Risk Exposure
-
-
-
242.824
-
125.327
368.151
ATMR Sebelum MRK /RWA before
CRM
ATMR SetelahMRK /RWA after CRM
31 Desember 2013 / December 31, 2013Kategori Portofolio /
Portfolio Category
-
-
-
535.522
-
173.346
708.868
TagihanBersih /
Net Receivables
Tagihan Kepada Entitas Sektor Publik /
Receivables on Public Sector Entities
---
Tagihan Kepada Bank / Receivables on Banks 242.824242.824535.522
TOTAL ATMR RISIKO KREDIT /TOTAL RWA FOR CREDIT RISKTOTAL FAKTOR PENGURANG MODAL /TOTAL CAPITAL DEDUCTION FACTOR
19.178.233-
31 Desember 2012 / December 31, 2012
Tabel 5.4 Pengungkapan Total Pengukuran Risiko Kredit - Bank secara IndividualTable 5.4. Disclosure of Total Credit Risk Measurement - Bank Only
29.485.660-
31 Desember 2013 / December 31, 2013
-
-
-
121.148
-
144.756
265.904
-
-
-
121.148
-
150.128
271.276
ATMR Sebelum MRK / RWA before
CRM
ATMR SetelahMRK /RWA after CRM
1.928
-
-
269.252
-
218.668
489.848
TagihanBersih /
Net Receivables
31 Desember 2012 / December 31, 2012
TABEL MANAJEMEN RISIKO | Risk Management Table
(Jutaan rupiah / Million Rupiah)
97PT Bank Mizuho Indonesia, 2010 Annual Report
97PT Bank Mizuho Indonesia, 2013 Annual Report
31 Desember 2013 / December 31, 2013
Pendekatan Indikator Dasar / Basic Indicator Approach
Total
31 Desember 2012 / December 31, 2012
Pendekatan Indikator Dasar / Basic Indicator Approach
Total
1.324.525
1.324.525
1.234.935
1.234.935
Tabel 7 Pengungkapan Kuantitatif Risiko Operasional - Bank secara Individual
105.962
105.962
98.795
98.795
Beban Modal /Capital Charge
ATMR /RWA
(jutaan rupiah / million Rupiah) Pendekatan Yang Digunakan /
Indicator ApproachPendapatan Bruto (Rata-rata 3 tahun terakhir) / Average Gross
Income in the past 3 years
Risiko Suku Bunga / Interest Rate Risk
b. Risiko Umum / General Risk
Risiko Nilai Tukar / Foreign Exchange Risk
Risiko Ekuitas / Equity Risk
Risiko Komoditas / Commodity Risk
Risiko Option / Option Risk
Total
-
45.758
27.171
-
-
-
72.929
(Jutaan Rupiah / Million Rupiah)
Tabel 6 Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar - Bank secara IndividualTable 6 Disclosure of Market Risk Using Standardized Method - Bank Only
ATMR / RWA
31 Desember 2012 / December 31, 2012Jenis Risiko /
Type of Risk
-
3.661
2.174
-
-
-
5.835
Beban Modal /Capital Charge
Bank
-
36.525
31.275
-
-
67.800
ATMR / RWA
-
2.922
2.502
-
-
-
5.424
Beban Modal /Capital Charge
31 Desember 2013 / December 31, 2013
706.415
706.415
658.632
658.632
98PT Bank Mizuho Indonesia, 2010 Annual Report
98 PT Bank Mizuho Indonesia, 2013 Annual Report
Neraca / Balance Sheet
A. Aset / Assets
1. Kas / Cash
2. Penempatan pada Bank Indonesia /
Placement with Bank Indonesia
3. Penempatan pada bank lain /
Placement with other Bank
4. Surat Berharga / Marketable 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
3. Liabilitas kepada bank lain /
Liabilities with other bank
4. Surat Berharga yang Diterbitkan /
Securities Issued
5. Pinjaman yang Diterima / Borrowings
6. Liabilitas Lainnya / Other Liabilities
7. Lain-lain / Others
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
1. Komitmen / Commitment
2. Kontinjensi / Contingency
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
2.216
2.384.452
483.415
427.054
9.095.880
745.928
107.466
13.246.411
5.828.469
-
5.133
-
2.374
714.680
157.667
6.708.323
6.538.088
3.179.106
11.503
3.190.609
3.665.455
3.665.455
(474.846)
6.063.242
6.063.242
2.216
2.185.804
483.415
78.565
4.745.867
491.437
107.466
8.094.770
5.746.994
-
5.133
-
-
462.812
157.667
6.372.606
1.722.164
476.341
476.341
358.590
358.590
117.751
1.839.915
1.839.915
-
198.648
1.105.931
13.115
1.317.694
77.475
17
10.721
88.213
1.229.481
281.542
281.542
377.429
377.429
(95.887)
1.133.594
2.973.509
-
12.044
350.775
241.376
604.195
4.000
-
241.147
245.147
359.048
151.537
151.537
155.516
155.516
(3.979)
355.069
3.328.578
-
336.445
893.133
1.229.578
374
-
374
1.229.204
415.292
415.292
532.485
532.485
(117.193)
1.112.011
4.440.589
-
2.000.174
2.000.174
1.983
-
1.983
1.998.191
1.854.394
11.503
1.865.897
2.241.435
2.241.435
(375.538)
1.622.653
6.063.242
Saldo /Balance
< 1 bulan /< 1 month
>1 bln - 3 bln />1 month- 3 months
>3 bln - 6 bln />3 months - 6 months
>6 bln - 12 bln />6 months - 12 months
>12 bulan /> 12 months
Pos-pos /
Account
31 Desember 2013/ December 31, 2013
I
II
No
TABEL MANAJEMEN RISIKO | Risk Management Table
99PT Bank Mizuho Indonesia, 2010 Annual Report
99PT Bank Mizuho Indonesia, 2013 Annual Report
1.470
1.361.578
149.240
1.828
6.899.030
273.015
62.053
8.748.214
3.869.802
1.463
4.496
-
-
256.494
157.460
4.289.715
4.458.499
3.862.053
20.072
3.882.125
4.388.693
-
4.388.693
(506.568)
3.951.931
3.951.931
1.470
753.040
149.240
-
4.096.892
184.919
62.053
5.247.614
3.812.157
531
4.496
-
-
168.709
157.460
4.143.353
1.104.261
654.662
-
654.662
1.313.974
-
1.313.974
(659.312)
444.949
444.949
-
74.585
-
229
923.600
88.096
-
1.086.510
57.645
277
-
-
-
87.785
-
145.707
940.803
569.549
-
569.549
372.681
-
372.681
196.868
1.137.671
1.582.620
-
313.996
-
-
476.580
-
-
790.576
-
655
-
-
-
-
-
655
789.921
285.259
-
285.259
249.300
-
249.300
35.959
825.880
2.408.500
-
219.957
-
1.599
388.257
-
-
609.813
-
-
-
-
-
-
-
-
-
609.813
1.303.029
-
1.303.029
1.023.795
-
1.023.795
279.234
889.047
3.297.547
-
-
-
-
1.013.701
-
-
1.013.701
-
-
-
-
-
-
-
-
1.013.701
1.049.554
20.072
1.069.626
1.428.943
-
1.428.943
(359.317)
654.384
3.951.931
Saldo /Balance
< 1 bulan /< 1 month
>1 bln - 3 bln />1 month- 3 months
>3 bln - 6 bln />3 months - 6 months
>6 bln - 12 bln />6 months - 12 months
>12 bulan /> 12 months
31 Desember 2012 / December 31, 2012
(Jutaan Rupiah / Million Rupiah)
100PT Bank Mizuho Indonesia, 2010 Annual Report
TABEL MANAJEMEN RISIKO | Risk Management Table
Neraca / Balance Sheet
A. Aset / Assets
1. Kas / Cash
2. Penempatan pada Bank Indonesia /
Placement with Bank Indonesia
3. Penempatan pada bank lain /
Placement with other Bank
4. Surat Berharga / Marketable 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
3. Liabilitas kepada bank lain /
Liabilities with other bank
4. Surat Berharga yang Diterbitkan /
Securities Issued
5. Pinjaman yang Diterima / Borrowings
6. Liabilitas Lainnya / Other Liabilities
7. Lain-lain / Others
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
1. Komitmen / Commitment
2. Kontinjensi / Contingency
Total Liabilitas Rekening Administratif /
Total Off Balance Sheet Liabilities
Selisih Tagihan danLiabilitas Rekening Administratif /
Off Balance Sheet Assets and Liabilities Differences