Tabel Manajemen Risiko Risk Management Table

Transkripsi

1 Tabel Manajemen Risiko Risk Management Table Tabel 1 Pengungkapan Struktur Permodalan Bank secara Individual / Table 1 Disclosure of Capital Structure Bank Only (Jutaan Rupiah / Million Rupiah) I KOMPONEN MODAL / CAPITAL COMPONENT A. Modal Inti / Core Capital (Tier1) 1. Modal disetor / Paidin Capital 2. Cadangan Tambahan Modal / Additional Reserve Capital 3. Modal Inovatif / Innovative Capital Instruments 4. Faktor Pengurang Modal Inti / Tier1 Capital Deduction Factor 5. Kepentingan Non Pengendali / Noncontrolling Interest B. Modal Pelengkap / Supplementary Capital (Tier2) 1. Level Atas / Upper Tier2 2. Level Bawah maksimum 50% Modal Inti / Lower Tier2 (maximum 50% of Tier1 Capital) 3. Faktor Pengurang Modal Pelengkap / Tier2 Capital Deduction Factor C. Faktor Pengurang Modal Inti dan Modal Pelengkap / Tier1 and Tier2 Capital Deduction Factor Eksposur Sekuritisasi / Securitization Exposures D. Modal Pelengkap Tambahan Yang Memenuhi Persyaratan (Tier 3) / Additional Supplementary Capital (Tier3) 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+BC) / TOTAL OF CORE CAPITAL AND SUPPLEMENTARY CAPITAL (A+BC) III TOTAL MODAL INTI, MODAL PELENGKAP, DAN MODAL PELENGKAP TAMBAHAN YANG DIALOKASIKAN UNTUK MENGANTISIPASI RISIKO PASAR (A+BC+E) / TOTAL OF CORE CAPITAL, SUPPLEMENTARY CAPITAL, AND ADDITIONAL SUPPLEMENTARY FOR MARKET RISK ANTICIPATION (A+BC+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)] 31 Desember 2013 December 31, ,26% 31 Desember 2012 December 31, ,12% Tabel 2.1 Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai Bank Individual Table 2.1 Movements of Allowance for Impairment Losses Disclosure Bank Only (Jutaan Rupiah / Million Rupiah) Keterangan / Description CKPN Individual / Allowance for Impairment Losses Individual 31 Desember 2013 / December 31, 2013 CKPN Kolektif / Allowance for Impairment Losses Collective CKPN Individual / Allowance for Impairment Losses Individual 31 Desember 2012 / December 31, 2012 CKPN Kolektif / Allowance for Impairment Losses Collective 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 ( ) (78.813) (50.000) (14.716) ( ) PT Bank Mizuho Indonesia, Annual Report

2 Tabel 2.2 Pengungkapan Bersih berdasarkan Wilayah Bank secara Individual Table 2.2 Disclosure of Net Receivables by Area Bank Only Kategori Portofolio / Portfolio Category Area 1 31 Desember 2013 / December Bersih Berdasarkan Wilayah / Net Receivables by Area Area 2 Area 3 Area 4 Area 5 Area 6 Area 7 Total Kepada Pemerintah / Receivables on Sovereigns Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions 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 Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business and Retail Portfolio Kepada Korporasi / Receivables on Corporate Yang Telah Jatuh Tempo / Past Due Receivables Aset Lainnya / Other Assets Eksposur di Unit Syariah / Exposures at Sharia Based Business Activity Unit Jumlah / Total 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 PT Bank Mizuho Indonesia, 2013 Annual Report

3 31 Desember 2012 / December (Jutaan Rupiah / Millions Rupiah) Bersih Berdasarkan Wilayah / Net Receivables by Area Area 1 Area 2 Area 3 Area 4 Area 5 Area 6 Area 7 Total PT Bank Mizuho Indonesia, 2013 Annual Report 77 77

4 Tabel 2.3 Pengungkapan Bersih berdasarkan Sisa Jangka Waktu Kontrak Bank secara Individual Table 2.3 Disclosure of Net Receivables by Contractual Maturity Bank Only 31 Desember 2013 / December 31, 2013 Kategori Portofolio / Portfolio Category Kepada Pemerintah / Receivables on Sovereigns Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions 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 Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Kepada Korporasi / Receivables on Corporate Yang Telah Jatuh Tempo / Past Due Receivables Aset Lainnya / Other Assets Eksposur di Unit Syariah / Exposures at Sharia Based Business Activity Unit Jumlah / Total Bersih Berdasarkan Sisa Jangka Waktu / Net Receivables by Contractual Maturity >1 tahun 3 tahun >1 year 3 year >3 tahun 5 tahun >3 year 5 year > 5 tahun > 5 year NonKontraktual NonContractual Total PT Bank Mizuho Indonesia, 2013 Annual Report

5 31 Desember 2012 / December 31, 2012 (Jutaan Rupiah / Millions Rupiah) Bersih Berdasarkan Sisa Jangka Waktu / Net Receivables by Contractual Maturity >1 tahun 3 tahun >1 year 3 year >3 tahun 5 tahun >3 year 5 year > 5 tahun > 5 year NonKontraktual NonContractual Total , PT Bank Mizuho Indonesia, 2013 Annual Report 79 79

6 Tabel 2.4 Pengungkapan Bersih berdasarkan Sektor Ekonomi Bank secara Individual Table 2.4 Disclosure of Net Receivables by Economic Sectors Bank Only Sektor Ekonomi / Economic Sectors 31 Desember 2013 / December 31, 2013 Pertanian, Perburuan dan Kehutanan / Agriculture, Hunting and Forestry Perikanan / Fishery Pertambangan dan Penggalian / Industri Pengolahan / Manufacturing Listrik, Gas dan Air / Electricity, Gas and Water Konstruksi / Construction Perdagangan Besar dan 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 dan Jaminan Sosial Wajib / Public Administration, Defense & Compulsory Social Security Jasa Pendidikan / Education Services Jasa Kesehatan dan Kegiatan Sosial / Human Health and Social Work Activities Jasa Kemasyarakatan, Sosial Budaya, Hiburan Perorangan Lainnya / Public, SocioCulture, Entertainment and Other Personal Services Jasa Perorangan yang Melayani Rumah Tangga / Activities of Households as Employers Badan Internasional dan Badan Ekstra Internasional Lainnya/ International Institution & Other Extra International Agencies Kegiatan yang Belum Jelas Batasannya / Bukan Lapangan Usaha / Non Business Field Lainnya / Others Jumlah / Total 31 Desember 2012 / December 31, 2012 Pertanian, Perburuan dan Kehutanan / Agriculture, Hunting and Forestry Perikanan / Fishery Pertambangan dan Penggalian / Industri Pengolahan / Manufacturing Listrik, Gas dan Air / Electricity, Gas and Water Konstruksi / Construction Perdagangan Besar dan 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 dan Jaminan Sosial Wajib / Public Administration, Defense & Compulsory Social Security Jasa Pendidikan / Education Services Jasa Kesehatan dan Kegiatan Sosial / Human Health and Social Work Activities Jasa Kemasyarakatan, Sosial Budaya, Hiburan Perorangan Lainnya / Public, SocioCulture, Entertainment and Other Personal Services Jasa Perorangan yang Melayani Rumah Tangga / Activities of Households as Employers Badan Internasional dan Badan Ekstra Internasional Lainnya/ International Institution & Other Extra International Agencies Kegiatan yang Belum Jelas Batasannya / Bukan Lapangan Usaha / Non Business Field Lainnya / Others Jumlah / Total Kepada Pemerintah / Receivables on Sovereigns Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions Kepada Bank / Receivables on Banks Kredit Beragun Rumah Tinggal / Loans Secured by Residential Property PT Bank Mizuho Indonesia, 2013 Annual Report

7 81 03 PT Bank Mizuho Indonesia, 2013 Annual Report (Jutaan Rupiah / Millions Rupiah) Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Kepada Korporasi / Receivables on Corporate 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 81 PT Bank Mizuho Indonesia, 2013 Annual Report

8 Tabel 2.5 Pengungkapan 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 Keterangan / Description Area 1 Area 2 Berdasarkan Wilayah / Receivables by Area Area 3 Area 4 Area 5 Area 6 Area 7 Total / Receivables 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 yang dihapus buku / WrittenOff Receivables 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 PT Bank Mizuho Indonesia, 2013 Annual Report

9 31 Desember 2012 / December 31, 2012 (Jutaan Rupiah / Millions Rupiah) Area 1 Area 2 Berdasarkan Wilayah / Receivables by Area Area 3 Area 4 Area 5 Area 6 Area 7 Total PT Bank Mizuho Indonesia, 2013 Annual Report 83 83

10 Tabel 2.6 Pengungkapan dan Pencadangan berdasarkan Sektor Ekonomi Bank secara Individual Table 2.6 Disclosure of Receivables and Provisioning based on Economic Sectors Bank Only 31 Desember 2013 / December 31, 2013 Sektor Ekonomi / Economic Sectors / Receivables yang mengalami penurunan nilai / Impaired Receivable 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 yang yang dihapus buku / WrittenOff Receivables 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, SocioCulture, 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 PT Bank Mizuho Indonesia, 2013 Annual Report

11 / Receivables Desember 2012 / December 31, 2012 yang mengalami penurunan nilai / Impaired Receivable Belum Jatuh Tempo / Non Past Due Telah Jatuh Tempo / Past Due Cadangan kerugian Penurunan nilai (CKPN) Individual / Allowance for Impairment Losses Individual (Jutaan Rupiah / Millions Rupiah) Cadangan kerugian Penurunan nilai (CKPN) Kolektiif / Allowance for Impairment Losses Collective yang yang dihapus buku / WrittenOff Receivables PT Bank Mizuho Indonesia, 2013 Annual Report 85 85

12 Tabel 3.1 Pengungkapan Bersih berdasarkan Kategori Porfolio dan Skala Peringkat Bank secara Individual Table 3.1 Disclosure of Net Receivables by Portfolio and Rating Category Bank Only Bersih / Net Receivables Lembaga Peringkat / Rating Company Peringkat Jangka Panjang / Long Term Rating Kategori Portofolio / Portfolio Category 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 (idn) [Idr]AA+ to [Idr] A+ to A A+ to A A1 to A3 A+(idn) to A (idn) [Idr]A+ to AA+(idn) to AA AAidAA+ to idaa [Idr]AidA to ida BBB+ to BBB Baa1 to Baa3 BBB+(idn) to BBB(idn) [Idr]BBB+ to BBB+ to BBB [Idr]BBBidBBB+ to idbbb 31 Desember 2013 / December 31, 2013 Kepada Pemerintah / Receivables on Sovereigns Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions 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 Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel /Receivables on Micro, Small Business & Retail Portfolio kepada Korporasi / Receivables on Corporate yang Telah Jatuh Tempo / Past Due Receivables Aset Lainnya / Other Assets Eksposur di Unit Usaha Syariah / Exposures at Sharia Based Business Activity Unit JUMLAH / TOTAL Desember 2012 / December 31, 2012 Kepada Pemerintah / Receivables on Sovereigns Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions 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 Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel /Receivables on Micro, Small Business & Retail Portfolio kepada Korporasi / Receivables on Corporate yang Telah Jatuh Tempo / Past Due Receivables Aset Lainnya / Other Assets Eksposur di Unit Usaha Syariah / Exposures at Sharia Based Business Activity Unit JUMLAH / TOTAL PT Bank Mizuho Indonesia, 2013 Annual Report

13 (Jutaan Rupiah / Millions Rupiah) Bersih / Net Receivables Peringkat Jangka Panjang / Long Term Rating Peringkat Jangka Pendek / Short Term Rating BB+ to BB B+ to B Kurang dari B Lower than B A1 A2 A3. Kurang dari A3 Lower than A3 BB+ to BB Ba1 to Ba3 BB+(idn) to BB(idn) B+ to B B1 to B3 B+(idn) to B(idn) Kurang dari B Lower than B Kurang dari B3 Lower than B3 Kurang dari B(idn) Lower than B(idn) F1+ to F1 P1 F1+(idn) to F1(idn) F2 P2 F2(idn) F3 P3 F3(idn) Kurang dari F3 Lower than F3 Kurang dari P3 Lower than P3 Kurang dari F3(idn) Lower than F3(idn) Tanpa Peringkat Unrated Total [Idr]BB+ to [Idr]BBidBB to idbb [Idr]B+ to [Idr]BidB+ to B Kurang dari [Idr]B Lower than [Idr]B Kurang dari id B Lower than idb [Idr]A1+ to [Idr]A1 ida1 [Idr]A2+ to [Idr]A2 ida2 [Idr]A3+ to [Idr] A3 ida3 to ida4 Kurang dari [Idr]A3 Lower than [Idr]A3 Kurang dari id A4 Lower than id A PT Bank Mizuho Indonesia, 2013 Annual Report 87 87

14 Tabel 3.2 Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Derivatif Table 3.2 Disclosure of Counterparty Credit Risk : Derivative Transaction 31 Desember 2013 / December 31, 2013 Variabel yang Mendasari / Underlying Variables < 1 Tahun / Notional Amount > 1 Tahun < 5 Tahun / > 5 Tahun / > 5 year Derivatif / Derivative Receivables Kewajiban Derivatif / Derivative Liabilities Bersih sebelum MRK / Net Receivables before CRM MRK / CRM Bersih setelah MRK / Net Receivables after CRM BANK SECARA INDIVIDUAL Suku Bunga / Interest Rate Nilai Tukar / Foreign Exchange Lainnya / Others TOTAL PT Bank Mizuho Indonesia, 2013 Annual Report

15 (Jutaan Rupiah / Millions Rupiah) 31 Desember 2012 / December 31, 2012 Variabel yang Mendasari / Underlying Variables < 1 Tahun / Notional Amount > 1 Tahun < 5 Tahun / > 5 Tahun / > 5 year Derivatif / Derivative Receivables Kewajiban Derivatif / Derivative Liabilities Bersih sebelum MRK / Net Receivables before CRM MRK / CRM Bersih setelah MRK / Net Receivables after CRM BANK SECARA INDIVIDUAL Suku Bunga / Interest Rate Nilai Tukar / Foreign Exchange Lainnya / Others TOTAL PT Bank Mizuho Indonesia, 2013 Annual Report 89 89

16 Tabel 4.1 Pengungkapan 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 31 Desember 2013 / December 31, 2013 Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit / Net Receivables after Calculation of Credit Risk Mitigation Impact 0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya / Others Eksposur Neraca / Balance Sheet Exposures Kepada Pemerintah / Receivables on Sovereigns Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions 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 Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Kepada Korporasi / Receivables on Corporate 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 Kepada Pemerintah / Receivables on Sovereigns Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions 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 Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Kepada Korporasi / Receivables on Corporate 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 Kepada Pemerintah / Receivables on Sovereigns Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions Kepada Bank / Receivables on Banks Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio 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 PT Bank Mizuho Indonesia, 2013 Annual Report

17 (Jutaan Rupiah / Millions Rupiah) 31 Desember 2012 / December 31, 2012 ATMR / RWA Beban Modal / Capital Charge Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit / Net Receivables after Calculation of Credit Risk Mitigation Impact ATMR / RWA Beban Modal / Capital Charge 0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya / Others PT Bank Mizuho Indonesia, 2013 Annual Report 91 91

18 Tabel 4.2 Pengungkapan Bersih dan Teknik Mitigasi Risiko Kredit Bank secara Individual Table 4.2 Disclosure of Net Receivables and Credit Risk Mitigation Techniques Bank Only 31 Desember 2013 / December 31, 2013 Kategori Portofolio / Portfolio Category Bersih / Net Receivables Agunan / Collateral Bagian yang Dijamin Dengan / Portion Secured by Garansi / Guarantee Asuransi Kredit / Credit Insurance Lainnya / Others Bagian Yang Tidak Dijamin / Unsecured Portion Eksposur Neraca / Balance Sheet Exposures Kepada Pemerintah / Receivables on Sovereigns Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions 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 Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Kepada Korporasi / Receivables on Corporate 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 Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif / Off Balance Sheet Exposures Kepada Pemerintah / Receivables on Sovereigns Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions 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 Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Kepada Korporasi / Receivables on Corporate 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 Kepada Pemerintah / Receivables on Sovereigns Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions Kepada Bank / Receivables on Banks Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business and Retail Portfolio Kepada Korporasi / Receivables on Corporate Eksposur di Unit Syariah /Exposures at Sharia Based Business Activity Unit Total Eksposur Counterparty Credir Risk / Total Exposures Counterparty Credit Risk Total (A+B+C) PT Bank Mizuho Indonesia, 2013 Annual Report

19 (Jutaan Rupiah / Millions Rupiah) Bersih / Net Receivables Agunan / Collateral 31 Desember 2012 / December 31, 2012 Bagian yang Dijamin Dengan / Portion Secured by Garansi / Guarantee Asuransi Kredit / Credit Insurance Lainnya / Others Bagian Yang Tidak Dijamin / Unsecured Portion PT Bank Mizuho Indonesia, 2013 Annual Report 93 93

20 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 Kepada Pemerintah / Receivables on Sovereigns Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions 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 Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business and Retail Portfolio Kepada Korporasi / Receivables on Corporate Yang Telah Jatuh Tempo / Past Due Receivables Aset Lainnya / Other Assets Kategori Portofolio / Portfolio Category TOTAL Bersih /Net Receivables Desember 2013 / December 31, 2013 ATMR Sebelum MRK / RWA before CRM ATMR Setelah MRK /RWA after CRM Bersih /Net Receivables (Jutaan rupiah / Million Rupiah) 31 Desember 2012 / December 31, ATMR Sebelum MRK / RWA before CRM ATMR Setelah MRK /RWA after CRM PT Bank Mizuho Indonesia, 2013 Annual Report

21 Tabel 5.2 Perhitungan ATMR Risiko Kredit Pendekatan Standar: Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif Table 5.2. Calculation of RWA for Credit Risk under Standardized Approach: Off Balance Sheet Commitment/Contingency Exposures Kategori Portofolio / Portfolio Category Kepada Pemerintah / Receivables on Sovereigns Kepada Entitas Sektor Publik /Receivables on Public Sector Entities Kepada Bank Pembangunan Multilateral dan Lembaga Internasional /Receivables on Multilateral Development Banks and International Institutions 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 Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Kepada Korporasi / Receivables on Corporate Yang Telah Jatuh Tempo / Past Due Receivables TOTAL Bersih / Net Receivables Desember 2013 / December 31, 2013 ATMR Sebelum MRK / RWA before CRM ATMR Setelah MRK / Bersih / RWA after CRM Net Receivables (Jutaan rupiah / Million Rupiah) 31 Desember 2012 / December 31, 2012 ATMR Sebelum MRK / RWA before CRM ATMR Setelah MRK / RWA after CRM PT Bank Mizuho Indonesia, 2013 Annual Report 95 95

22 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 Kategori Portofolio / Portfolio Category Bersih / Net Receivables 31 Desember 2013 / December 31, 2013 ATMR Sebelum MRK /RWA before CRM ATMR Setelah MRK /RWA after CRM Bersih / Net Receivables (Jutaan rupiah / Million Rupiah) 31 Desember 2012 / December 31, 2012 ATMR Sebelum MRK / RWA before CRM ATMR Setelah MRK /RWA after CRM Kepada Pemerintah / Receivables on Sovereigns Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions Kepada Bank / Receivables on Banks Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Kepada Korporasi / Receivables on Corporate TOTAL Kepada Bank / Receivables on Banks Tabel 5.4 Pengungkapan Total Pengukuran Risiko Kredit Bank secara Individual Table 5.4. Disclosure of Total Credit Risk Measurement Bank Only (Jutaan rupiah / Million Rupiah) TOTAL ATMR RISIKO KREDIT / TOTAL RWA FOR CREDIT RISK TOTAL FAKTOR PENGURANG MODAL / TOTAL CAPITAL DEDUCTION FACTOR 31 Desember 2013 / December 31, Desember 2012 / December 31, PT Bank Mizuho Indonesia, 2013 Annual Report

23 Tabel 6 Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar Bank secara Individual Table 6 Disclosure of Market Risk Using Standardized Method Bank Only Jenis Risiko / Type of Risk 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 Beban Modal / Capital Charge Desember 2013 / December 31, 2013 ATMR / RWA Bank (Jutaan Rupiah / Million Rupiah) 31 Desember 2012 / December 31, 2012 Beban Modal / Capital Charge ATMR / RWA Tabel 7 Pengungkapan Kuantitatif Risiko Operasional Bank secara Individual Pendekatan Yang Digunakan / Indicator Approach 31 Desember 2013 / December 31, 2013 Pendekatan Indikator Dasar / Basic Indicator Approach Total Pendapatan Bruto (Ratarata 3 tahun terakhir) / Average Gross Income in the past 3 years (jutaan rupiah / million Rupiah) Beban Modal / Capital Charge ATMR / RWA Desember 2012 / December 31, 2012 Pendekatan Indikator Dasar / Basic Indicator Approach Total PT Bank Mizuho Indonesia, 2013 Annual Report 97 97

24 No Pospos / Account Saldo / Balance < 1 bulan / < 1 month 31 Desember 2013/ December 31, 2013 >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 I 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. Lainnya / Other Receivables 7. Lainlain / 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. Lainlain / Others Total Liabilitas / Total Liabilities Selisih Aset dengan Liabilitas dalam Neraca / On Balance Sheet Asset and Liabilities Differences II Rekening Administratif / Off Balance Sheet A. Rekening Administratif / Off Balance Sheet Receivables 1. Komitmen / Commitment 2. Kontinjensi / Contingency Total 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 dan Liabilitas Rekening Administratif / Off Balance Sheet Assets and Liabilities Differences Selisih [(IAIB) + (IIAIIB)] / Differences Selisih Kumulatif / Cummulative Differences ( ) (95.887) (3.979) ( ) ( ) PT Bank Mizuho Indonesia, 2013 Annual Report

25 31 Desember 2012 / December 31, 2012 (Jutaan Rupiah / Million Rupiah) 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 ( ) ( ) ( ) PT Bank Mizuho Indonesia, 2013 Annual Report 99 99

26 31 Desember 2013 / December 31, 2013 No Pospos / Account Saldo / Balance < 1 bulan / < 1 month >1 bln s.d. 3 bln / >1 month 3 months >3 bln s.d. 6 bln / >3 months 6 months >6 bln s.d. 12 bln / >6 months 12 months >12 bulan / > 12 months I 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. Lainnya / Other Receivables 7. Lainlain / 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. Lainlain / Others Total Liabilitas / Total Liabilities Selisih Aset dengan Liabilitas dalam Neraca / On Balance Sheet Asset and Liabilities Differences ( ) ( ) II Rekening Administratif / Off Balance Sheet A. Rekening Administratif / Off Balance Sheet Receivables 1. Komitmen / Commitment 2. Kontinjensi / Contingency Total 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 danliabilitas Rekening Administratif / Off Balance Sheet Assets and Liabilities Differences Selisih [(IAIB) + (IIAIIB)] / Differences Selisih Kumulatif / Cummulative Differences ( ) ( ) ( ) (28.835) ( ) (5.587) ( ) (8.832) ( ) ( ) (26.048) ( ) 100 PT Bank Mizuho Indonesia, 2013 Annual Report 100

27 31 Desember 2012 / December 31, 2012 (Jutaan Rupiah / Million Rupiah) Saldo / Balance < 1 bulan / < 1 month >1 bln s.d. 3 bln / >1 month 3 months >3 bln s.d. 6 bln / >3 months 6 months >6 bln s.d. 12 bln / >6 months 12 months >12 bulan / > 12 months ( ) ( ) ( ) ( ) ( ) ( ) ( ) (94.775) ( ) ( ) ( ) ( ) ( ) ( ) PT Bank Mizuho Indonesia, 2013 Annual Report