SEOJK on Transparency and Publication of Conventional Commercial Bank Reports

To:
Directors of Conventional Commercial Banks
At your location.

COPY

CIRCULAR LETTER OF THE FINANCIAL SERVICES AUTHORITY NUMBER 43 /SEOJK.03/2016

REGARDING
TRANSPARENCY AND PUBLICATION OF CONVENTIONAL COMMERCIAL BANK REPORTS

In light of the implementation of the Financial Services Authority Regulation Number 6/POJK.03/2015 regarding Transparency and Publication of Bank Reports (State Gazette of the Republic of Indonesia Year 2015 Number 74, Supplement to the State Gazette of the Republic of Indonesia Number 5687) as amended by the Financial Services Authority Regulation Number 32/POJK.03/2016 (State Gazette of the Republic of Indonesia Year 2016 Number 170, Supplement to the State Gazette of the Republic of Indonesia Number 5917), it is necessary to regulate again the provisions regarding Transparency and Publication of Conventional Commercial Bank Reports in the Financial Services Authority Circular Letter as follows:

I. GENERAL PROVISIONS

Publication Reports consist of Monthly Publication Reports, Quarterly Publication Reports, Annual Publication Reports, and Other Publication Reports.
Publication Reports are prepared, among others, to provide information regarding financial position, performance or business results of the Bank, other financial information, and qualitative information to various parties interested in the development of the Bank's business. All such information is expected to increase transparency of the Bank's financial condition to the public and maintain public confidence in banking institutions.
Financial Position Report (Balance Sheet) is a report of the Bank's assets, liabilities, and equity position at the end of the reporting period. Meanwhile, the Income Statement and Other Comprehensive Income is a report of the Bank's profit and comprehensive income cumulatively from the beginning of the Fiscal Year to the end of the reporting period position.
To be comparable, the format and scope of Publication Reports are presented by referring to the provisions set by the Financial Services Authority, relevant financial accounting standards for the banking industry, Indonesian Banking Accounting Guidelines (PAPI), and relevant international standards regarding risk disclosure, liquidity adequacy, and Bank capital.
Publication Reports are prepared in Indonesian and presented according to the report format as referred to in the Appendix of this Financial Services Authority Circular Letter.
The Publication Report format is a minimum standard that must be met by Banks. In the event there are accounts with material amounts not included in the format, the Bank may present such accounts separately, while accounts with immaterial amounts may be combined with other similar accounts.
Accounts with zero balances in the report format must be included by giving a dash (-) on the relevant account unless otherwise specifically established in the Appendix.
Conventional Commercial Banks that have business activities based on Sharia Principles (Sharia Business Unit) present Publication Reports as regulated in this Financial Services Authority Circular Letter and present financial information of the Sharia Business Unit (SBU) in accordance with the Financial Services Authority Circular Letter regarding transparency and publication of reports of Sharia Commercial Banks and SBUs.

II. MONTHLY PUBLICATION REPORTS

General Guidelines
a. Monthly Publication Reports are presented individually and prepared every month. b. Monthly Publication Reports are announced to the public on the Bank's Website and submitted by the Bank to the Financial Services Authority online through the Financial Services Authority reporting system. In the event that submission of reports through the Financial Services Authority reporting system cannot yet be performed, the report is submitted through the Head Office Report System for Conventional Commercial Banks (LKPBU).
Scope of Monthly Publication Reports
Monthly Publication Reports include monthly financial reports which at least consist of:
a. Financial Position Report (Balance Sheet); b. Income Statement and Other Comprehensive Income; and
c. Commitment and Contingency Report.
Banks in preparing Monthly Publication Reports refer to the Guidelines for Preparing Reports of Conventional Commercial Banks – Monthly Publication Reports which is an appendix and an inseparable part of this Financial Services Authority Circular Letter.

III. QUARTERLY PUBLICATION REPORTS

General Guidelines
a. Financial statements in Quarterly Publication Reports are presented individually and consolidated with Child Entities prepared for the end of March, June, September, and December positions. b. Banks that do not have Child Entities may omit the consolidation column.
c. Financial statements in Quarterly Publication Reports are presented in comparative form in accordance with financial accounting standards.
d. If there are new accounting treatments in effect in the report position, the presentation of the comparative position refers to financial accounting standards regarding accounting policies, changes in accounting estimates, and errors. e. The names of Shareholders and the percentage of share ownership stated in Quarterly Publication Reports are individuals or entities that own shares of 5% (five percent) or more of the Bank's capital, whether obtained through or not through the Capital Market. f. Financial statements in Quarterly Publication Reports for the end of December position are audited by a Public Accountant registered with the Financial Services Authority. In the presentation of financial statements, the name of the Public Accounting Firm, the name of the Public Accountant responsible (partner in charge), and the opinion given are stated. g. Quarterly Publication Reports are announced in a widely circulated daily newspaper in Indonesian and on the Bank's Website, and submitted by the Bank to the Financial Services Authority online through the Financial Services Authority reporting system. In the event that submission of reports through the Financial Services Authority reporting system cannot yet be performed, the report is submitted through the Head Office Report System for Conventional Commercial Banks (LKPBU).
Scope of Quarterly Publication Reports
Quarterly Publication Reports cover:
a. Financial statements, including:

Financial Position Report (Balance Sheet);
Income Statement and Other Comprehensive Income; and
Commitment and Contingency Report.
b. Financial performance information, including:
calculation of Minimum Capital Requirement (KPMM);
quantity and quality of productive assets and Impairment Loss Reserves (CKPN) which at least provide information based on grouping:
a) financial instruments; b) provision of funds to Related Parties; c) credit to Micro, Small, and Medium Enterprise (MSME) debtors; d) credit requiring special attention (including restructured credit and property credit); and e) Asset Write-off Provision (PPA) which must be formed based on financial instruments.
financial ratios, at least covering:
a) KPMM ratio; b) Return on Asset (ROA); c) Return on Equity (ROE); d) Operating Expense to Operating Income ratio (BOPO); e) percentage of violation and exceeding of Maximum Limit for Credit Provision (BMPK); f) Net Foreign Exchange Position ratio (PDN); and g) Liquidity Coverage Ratio (LCR) value individually and consolidated.
spot transactions and derivative transactions.
c. information on the composition and structure of Shareholders, as well as the composition of the Board of Directors and Board of Commissioners.
d. quantitative information on risk exposures faced by the Bank for the end of June position, at least covering:
Credit Risk Disclosure
a) General disclosure includes:
(1) disclosure of Net Claims by Region;
(2) disclosure of Net Claims by Remaining Contractual Maturity; (3) disclosure of Net Claims by Economic Sector; (4) disclosure of Claims and Provisions by Region; (5) disclosure of Claims and Provisions by Economic Sector; and (6) disclosure of Details of Impairment Loss Reserve Movements. b) Credit Risk Disclosure using the standard approach includes:
(1) disclosure of Net Claims by Portfolio Category and Rating Scale; and (2) disclosure of Counterparty Credit Risk, including net claims arising from exposure:
(a) over-the-counter derivative transactions;
(b) repo transactions; and
(c) reverse repo transactions, as regulated in the provisions regarding guidelines for calculating Risk-Weighted Assets (RWA) for Credit Risk using the standard approach. c) Credit Risk Mitigation Disclosure using the standard approach includes:
(1) disclosure of Net Claims by Risk Weight After Considering the Impact of Credit Risk Mitigation; and (2) disclosure of Net Claims and Credit Risk Mitigation Techniques. d) Asset Securitization Disclosure includes:
(1) disclosure of Asset Securitization Transactions; and (2) disclosure of Summary of Asset Securitization Transaction Activities when the Bank Acts as the Originator. e) Calculation Disclosure of RWA for Credit Risk Using the Standard Approach.
Market Risk Disclosure
a) Market Risk Disclosure Using the Standard Method The disclosure referred to is as regulated in the provisions regarding guidelines for using the standard method in calculating KPMM for Conventional Commercial Banks considering Market Risk. b) Disclosure of Interest Rate Risk in Banking Book (IRRBB) Exposure Disclosure of IRRBB exposure is the increase or decrease in economic value and earnings against interest rate movements based on the gap report format prepared by the Bank to fulfill provisions regarding the assessment of the health level of Conventional Commercial Banks and the application of risk management for Conventional Commercial Banks.
Liquidity Risk Disclosure
a) Disclosure of Rupiah and Foreign Currency Maturity Profile; and b) Disclosure of LCR Value; The disclosure referred to only applies to Banks required to prepare and publish LCR reports as regulated in the Financial Services Authority Regulation regarding the obligation to fulfill the liquidity coverage ratio for Conventional Commercial Banks.
Operational Risk Disclosure
Operational Risk Calculation refers to the provisions regarding the calculation of RWA for Operational Risk using the Basic Indicator Approach (BIA).

Capital Disclosure in accordance with the Basel III Framework
a. Conventional Commercial Banks based on Business Activities (BUKU) 3 and BUKU 4 add information regarding capital disclosure in Quarterly Publication Reports, in accordance with the Composition of Capital Disclosure Requirements document issued by the Basel Committee on Banking Supervision (BCBS). b. The purpose of capital disclosure in accordance with the Basel III framework is to increase transparency of capital component disclosure and increase consistency of capital disclosure across countries so that it is easily comparable.
c. Capital disclosure is presented on the Bank's Website, in a special link, for example with the title: "Capital Disclosure in accordance with the Basel III framework".
d. Capital disclosure in accordance with the Basel III framework, at least covers:

Part 1: Capital Calculation, which refers to the Standard Format provided in the BCBS document;
Part 2: Capital Reconciliation between the Balance Sheet and the Standard Format as referred to in Part 1; and
Part 3: Details of Capital Instrument Features.

LCR Disclosure in accordance with the Basel III Framework
a. Banks required to prepare and publish LCR reports as regulated in the Financial Services Authority Regulation regarding the obligation to fulfill the liquidity coverage ratio for Conventional Commercial Banks, add information regarding LCR disclosure in accordance with the Basel III framework in Quarterly Publication Reports. b. The purpose of LCR disclosure in accordance with the Basel III framework is to provide information to market players regarding the bank's liquidity condition, which among other things shows the adequacy of High Quality Liquid Asset (HQLA) supplies owned by the Bank that can be easily and quickly converted into cash with little or no reduction in value to meet the Bank's liquidity needs in a 30 (thirty) day stress scenario.
c. Disclosure regarding LCR, both individually and consolidated, covers:

Quantitative LCR information in the form of a Quarterly Liquidity Coverage Ratio Compliance Calculation Report; and
Qualitative LCR information in the form of a Quarterly Liquidity Coverage Ratio Compliance Calculation Analysis explaining the calculation and LCR value as referred to in item 1).
d. LCR disclosure is presented on the Bank's Website in a special link, for example with the title: "Liquidity Coverage Ratio (LCR)".

Banks in preparing Quarterly Publication Reports refer to the Guidelines for Preparing Reports of Conventional Commercial Banks – Quarterly Publication Reports which is an appendix and an inseparable part of this Financial Services Authority Circular Letter.
Addition of Information Disclosure for Banks that are Part of a Business Group
a. Banks add information in Quarterly Publication Reports for the end of June and December positions regarding:

Consolidated financial statements of the Parent Entity which include the financial statements of all entities in the business group in the financial sector; or
Consolidated financial statements of the Parent Entity which include the financial statements of all entities in the business group in the financial and non-financial sectors, in the event there is no consolidated financial statement as referred to in item 1).
b. The consolidated financial statements of the Parent Entity as referred to in letter a, at least cover:
Financial Position Report (Balance Sheet);
Income Statement and Other Comprehensive Income;
Statement of Changes in Equity; and
Commitment and Contingency Report.
The Statement of Changes in Equity and the Commitment and Contingency Report as referred to in items 3) and 4) are presented if available.
c. The Balance Sheet format and the Income Statement and Other Comprehensive Income of the Parent Entity for the end of December position are adjusted to the Balance Sheet and Income Statement and Other Comprehensive Income presented in the audited financial statements.

Certain Reports Submitted to the Financial Services Authority Quarterly
Banks submit to the Financial Services Authority reports regarding:
a. Transactions between the Bank and Related Parties, at least covering:

name of the party having a relationship or connection with the Bank;
connection relationship with the Bank;
type of transaction;
amount or nominal value of the transaction; and
quality of productive assets for credit provision transactions.
b. For Banks that are part of a business group, adding disclosure of credit provision reports, commitments, or other facilities that can be equated with them from each entity within the same business group as the Bank to debtors and/or parties that have obtained credit provision from the Bank, at least covering:
name of the debtor and/or parties that have obtained credit provision from the Bank;
type, amount, and quality of credit provision provided by the Bank;
name of the business group providing the credit provision and the connection relationship with the Bank; and
type of credit provision and amount of credit provision provided by the business group.

IV. ANNUAL PUBLICATION REPORTS

General Guidelines
a. Financial statements in Annual Publication Reports are presented individually and consolidated with Child Entities prepared for 1 (one) Fiscal Year. b. Banks that do not have Child Entities may omit the consolidation column.
c. Financial statements in Annual Publication Reports are presented in comparative form in accordance with financial accounting standards.
d. If there are new accounting treatments in effect in the report position, the presentation of the comparative position refers to financial accounting standards regarding accounting policies, changes in accounting estimates, and errors. e. Annual Publication Reports must be prepared in Indonesian. In the event Annual Publication Reports are prepared in Indonesian and foreign languages, both in the same document or separately, Annual Publication Reports must contain the same information. In the event there is a difference in interpretation of information in the foreign language with information in Indonesian in Annual Publication Reports, the information used as the reference is the information in Indonesian. f. Financial statements in Annual Publication Reports are audited by a Public Accountant. In the presentation of financial statements, the name of the Public Accounting Firm, the name of the Public Accountant responsible (partner in charge), and the opinion given are stated. g. Annual Publication Reports are announced on the Bank's Website and submitted by the Bank to the Financial Services Authority.
Scope of Annual Publication Reports
Annual Publication Reports include:
a. General Information
General Information in Annual Publication Reports, at least includes:

composition of the Board of Directors, Board of Commissioners, and Executive Officers along with their positions, and summary of their biographies;
composition and structure of Shareholders, namely the name of Shareholders and percentage of share ownership;
development of the Bank's business and the Bank's business group, including if there is SBU business development, which contains data regarding:
a) summary of important financial data, at least covering net interest income, operating profit, profit before tax, net profit, net profit per share, productive assets, third-party funds, borrowed loans, total cost of funds, own capital, number of shares placed and paid up, and nominal value; and b) financial performance information with coverage as referred to in item III.2.b.
Strategies and policies established by Bank management, including for SBU if the Bank has an SBU;
Management Report containing information regarding Bank management, including for SBU if the Bank has an SBU, at least covering:
a) organizational structure; b) main activities; c) information technology; d) types of products and services offered, including credit disbursement to Micro, Small, and Medium Enterprise (MSME) debtors; e) interest rates for fund gathering and provision; f) economic development and target market; g) work network and business partners within and/or outside the country; h) number, type, and location of offices; i) ownership of the Board of Directors, Board of Commissioners, and Shareholders in the Bank's business group; j) important changes that occurred in the Bank and the Bank's business group in the relevant year; k) important matters expected to occur in the future; and l) human resources including number, education level, training, and human resource development. b. Annual Financial Statements
Financial statements, at least covering:
a) Financial Position Report (Balance Sheet); b) Income Statement and Other Comprehensive Income; c) Statement of Changes in Equity; d) Cash Flow Statement; and e) Notes to Financial Statements, including information regarding commitments and contingencies.
Addition of Information Disclosure for Banks that are Part of a Business Group
a) Banks add information in Annual Publication Reports regarding:
(1) Consolidated financial statements of the Parent Entity which include the financial statements of all entities in the business group in the financial sector; or (2) Consolidated financial statements of the Parent Entity which include the financial statements of all entities in the business group in the financial and non-financial sectors, in the event there is no consolidated financial statement as referred to in item (1). b) The consolidated financial statements of the Parent Entity as referred to in letter a) at least consist of:
(1) Financial Position Report (Balance Sheet); (2) Income Statement and Other Comprehensive Income; (3) Statement of Changes in Equity; and (4) Commitment and Contingency Report.
Opinion from the Public Accountant containing the opinion on the annual financial statements.
c. Financial performance information, including:
calculation of Minimum Capital Requirement (KPMM);
quantity and quality of productive assets and Impairment Loss Reserves (CKPN) which at least provide information based on grouping:
a) financial instruments; b) provision of funds to Related Parties; c) credit to Micro, Small, and Medium Enterprise (MSME) debtors; d) credit requiring special attention (including restructured credit and property credit); and e) Asset Write-off Provision (PPA) which must be formed based on financial instruments.
financial ratios, at least covering:
a) KPMM ratio; b) Return on Asset (ROA); c) Return on Equity (ROE); d) Operating Expense to Operating Income ratio (BOPO); e) percentage of violation and exceeding of Maximum Limit for Credit Provision (BMPK); f) Net Foreign Exchange Position ratio (PDN); and g) Liquidity Coverage Ratio (LCR) value individually and consolidated.
spot transactions and derivative transactions.
d. Capital disclosure and risk management practices
Capital disclosure and risk management practices applied by the Bank at least include descriptions of risk types, potential losses faced by the Bank, and risk mitigation as referred to in provisions regulating capital and risk management.
The purpose of capital disclosure, risk exposure disclosure, and application of risk management is to increase transparency to the public so that the public can assess the adequacy of the Bank's capital and the Bank's risk profile.
The Bank has a written policy approved by the Board of Directors, including regarding the scope of disclosure and internal control in the disclosure process.
Capital disclosure and risk management practices, at least cover:
a) Capital disclosure, consisting of:
(1) Qualitative disclosure regarding:
(a) capital structure containing explanation regarding capital instruments issued by the Bank including: characteristics, instrument maturity, call option features, step-up features, yield rate, and rating, if available; and (b) capital adequacy containing explanation regarding the approach used by the Bank in assessing capital adequacy to support activities conducted, both currently and in the future. (2) Quantitative disclosure regarding the Bank's capital structure. b) Risk exposure disclosure and application of risk management, at least covering:
(1) Disclosure regarding the application of the Bank's risk management in general consisting of information regarding:
(a) active supervision by the Board of Directors and Board of Commissioners; (b) adequacy of risk management policies and procedures, and establishment of risk limits; (c) adequacy of risk identification, measurement, monitoring, and control processes, and risk management information systems; and (d) comprehensive internal control system. (2) Disclosure...

(2) Disclosure regarding risk exposure and the application of Bank's risk management specifically consisting of:
(a) Credit Risk;
(b) Market Risk;
(c) Liquidity Risk;
(d) Operational Risk;
(e) Legal Risk;
(f) Reputational Risk;
(g) Strategic Risk; and
(h) Compliance Risk.
(3) Credit Risk Disclosure as referred to in item IV.2.d.4).b).(2).(a) above, includes:
(a) general disclosure, consisting of:
i. qualitative disclosure:
i) information regarding the application of risk management for Credit Risk, including Credit Risk management organization, Credit Risk management strategy for activities with significant Credit Risk exposure, credit concentration risk management policies, as well as measurement and control mechanisms for Credit Risk; ii) definition of past due and impaired receivables; and iii) explanation regarding the approach used for the formation of Individual and Collective Impairment Loss Provisions (CKPN), as well as statistical methods used in CKPN calculations.
ii. quantitative disclosure with scope as referred to in item III.2.d.1).a).
(b) Credit Risk disclosure using the standard approach, consisting of:
i. qualitative disclosure:
i) information regarding policies on the use of ratings in the calculation of Risk-Weighted Assets (RWA) for Credit Risk; ii) portfolio categories using ratings; iii) rating agencies used; and iv) counterparty credit risk disclosure, including:

types of mitigation instruments commonly accepted or provided by the Bank;
internal methodology for calculating capital adequacy related to the Bank's internal counterparty credit risk; and
methodology for determining credit limits related to counterparty credit risk as regulated in provisions regarding the application of risk management for Commercial Banks.
ii. quantitative disclosure with scope as referred to in item III.2.d.1).b).
(c) Credit Risk mitigation disclosure using the standard approach, consisting of:
i. qualitative disclosure:
i) information regarding the Bank's policies for main types of collateral accepted; ii) policies, procedures, and processes for assessing and managing collateral; iii) main parties providing guarantees or collateral and the creditworthiness of such parties; and iv) information on concentration levels resulting from the use of Credit Risk mitigation techniques.
ii. quantitative disclosure with scope as referred to in item III.2.d.1).c).
(d) asset securitization disclosure, consisting of:
i. qualitative disclosure:
i) general risk management disclosure, including matters such as the Bank's purpose for conducting asset securitization activities, the effectiveness of asset securitization activities conducted to transfer Credit Risk from the Bank to other parties for transactions underlying the asset securitization activity, functions performed by the Bank in asset securitization activities, and explanation regarding the Bank's involvement in each function; ii) summary of accounting policies for asset securitization activities, including transactions treated as sales or financing, recognition of gains from securitization activities, and assumptions used to assess the existence of continuing involvement from securitization activities, including changes from previous periods and the impact of such changes; and iii) name of the rating agency used in asset securitization activities and the exposure of asset securitization rated by the aforementioned rating agency.
ii. quantitative disclosure with scope as referred to in item III.2.d.1).d).
(e) quantitative disclosure of RWA calculations for Credit Risk using the standard approach with scope as referred to in item III.2.d.1).e). (4) Market Risk Disclosure as referred to in item IV.2.d.4).b).(2).(b) above using the standard method, includes:
(a) Qualitative Disclosure:
i. information regarding the application of risk management including:
i) Market Risk management organization; ii) management of trading book and banking book portfolios, and valuation methodologies used; and iii) Market Risk measurement mechanisms for periodic risk monitoring as well as for capital adequacy calculations, both in the trading book and banking book.
ii. trading book and banking book portfolios considered in the Minimum Capital Requirement (KPMM);
iii. disclosure of information regarding Interest Rate Risk in the Banking Book (IRRBB), including assumptions used in IRRBB monitoring such as non-maturity deposit behavior and prepayment information, as well as IRRBB measurement frequency as regulated in provisions regarding the application of risk management for Commercial Banks; and
iv. steps and plans to anticipate Market Risk on foreign currency transactions due to exchange rate changes or interest rate fluctuations, including explanation regarding all unsecured or unhedged funding provisions and liabilities with fluctuating or undetermined interest rates.
(b) Quantitative Disclosure with scope as referred to in item III.2.d.2).
(5) Liquidity Risk Disclosure as referred to in item IV.2.d.4).b).(2).(c) above, includes:
(a) Qualitative Disclosure:
i. information regarding the application of risk management for Liquidity Risk, including:
i) Liquidity Risk management organization; ii) funding strategies; iii) Liquidity Risk mitigation techniques including early warning indicators for liquidity problems, and emergency funding plans; and iv) measurement, stress testing, and control mechanisms for Liquidity Risk;
ii. general overview of the Bank's liquidity conditions based on LCR calculations for one year, for Banks required to prepare and publish LCR reports as regulated in Financial Services Authority Regulations regarding the fulfillment of the liquidity coverage ratio (LCR) requirement for Commercial Banks.
(b) Quantitative Disclosure with scope as referred to in item III.2.d.3).
(6) Operational Risk Disclosure as referred to in item IV.2.d.4).b).(2).(d) above, includes:
(a) Qualitative Disclosure, including information regarding the application of risk management for Operational Risk, including:
i. Operational Risk management organization;
ii. mechanisms used by the Bank to identify and measure Operational Risk; and
iii. mechanisms to mitigate Operational Risk.
(b) Quantitative Disclosure with scope as referred to in item III.2.d.4).
(7) Legal Risk Disclosure as referred to in item IV.2.d.4).b).(2).(e) above contains qualitative disclosure regarding the application of risk management for Legal Risk, including:
(a) Legal Risk management organization; and
(b) Legal Risk control mechanisms.
(8) Reputational Risk Disclosure as referred to in item IV.2.d.4).b).(2).(f) above contains qualitative disclosure regarding the application of risk management for Reputational Risk, including:
(a) Reputational Risk management organization, including the implementation of risk management for Reputational Risk by related units (Corporate Secretary, Public Relations, and related business units); (b) policies and mechanisms to improve service quality to customers and other stakeholders to control Reputational Risk; and (c) Reputational Risk management during crises. (9) Strategic Risk Disclosure as referred to in item IV.2.d.4).b).(2).(g) above contains qualitative disclosure regarding the application of risk management for Strategic Risk, including:
(a) Strategic Risk management organization;
(b) policies enabling the Bank to identify and respond to changes in the business environment, both external and internal; and (c) mechanisms to measure progress achieved from established business plans. (10) Compliance Risk Disclosure as referred to in item IV.2.d.4).b).(2).(h) above contains qualitative disclosure regarding the application of risk management for Compliance Risk, including:
(a) Compliance Risk management organization;
(b) risk management strategies and effectiveness of applying risk management for Compliance Risk, particularly in ensuring that the formulation of policies and procedures complies with generally applicable standards, regulations, and/or applicable legislation; and (c) monitoring and control mechanisms for Compliance Risk.

In the event of information changes that tend to be rapid (prone to rapid change) including changes in economic conditions, technology, regulations, and internal Bank/business group policies, the Bank must disclose risk exposure and other related matters applied by the Bank as referred to in item IV.2.d.4).b) on the Bank's Website on a quarterly basis.
e. Special disclosure for Banks that are part of a business group and/or have Subsidiary Entities must contain at least the following information:
Bank's business group structure including:
a) Bank's business group structure, which among others consists of the Bank, Subsidiary Entities, Related Parties, Parent Entities up to the ultimate shareholder; b) management linkage structure within the Bank's business group; and c) Shareholders acting in concert. The definition of Shareholders acting in concert is individual shareholders or entities that have a common purpose to control the Bank, based on or not based on an agreement.
Transactions between the Bank and Related Parties within the Bank's business group, considering the following:
a) transaction information with Related Parties, both those conducted by the Bank and those conducted by each entity within the Bank's business group operating in the financial sector; b) Related Parties are parties as regulated in financial accounting standards; c) types of transactions with Related Parties, including:
(1) cross shareholding;
(2) transactions from one business group acting on behalf of another business group; (3) short-term liquidity management within the business group; (4) provision of funds given or received by other entities within one business group; (5) exposure to majority Shareholders in the form of loans, commitments, and contingencies; and (6) purchase, sale, and/or lease of assets with other entities within a business group, including those conducted with repurchase agreements (repo).
Transactions with Related Parties conducted by each entity within the Bank's business group operating in the financial sector;
Provision of funds, commitments, or other facilities that can be equated thereto from each entity within the same business group as the Bank to debtors and/or parties that have obtained funding from the Bank;
Consolidated disclosure regarding capital and risk management practices applied by the Bank, at least including descriptions of risk types, potential losses faced by the Bank, and risk mitigation as referred to in item IV.2.d.; and
Existence of prohibitions, limitations, and/or other significant barriers to transferring funds or in fulfilling capital requirements mandated by the Authority (regulatory capital) between the Bank and other entities within one business group.
f. Other disclosures in accordance with financial accounting standards, if not covered in letters a through e.

In preparing the Annual Publication Report, Banks refer to the Guidelines for Preparing Conventional Commercial Bank Publication Reports – Annual Report (Annual Report) which is an attachment and an integral part of this Financial Services Authority Circular.
Specific Reports Submitted Annually to the Financial Services Authority
Banks that are part of a business group and/or Banks that have Subsidiary Entities submit to the Financial Services Authority specific reports regarding:
a. Annual Report of the Parent Entity including:

annual reports of all entities within the business group in the financial sector; or
annual reports of all entities within the business group in the financial and non-financial sectors, in the event there is no annual report as referred to in number 1).
In the event the Parent Entity does not have such annual report, the Bank submits the Parent Entity's annual consolidated financial reports covering all entities within the business group in the financial sector or the Parent Entity's annual consolidated financial reports covering all entities within the business group in the financial and non-financial sectors, which have been audited by a Public Accountant. b. Annual Report of the Direct Shareholder holding majority shares or the annual report of the entity exercising Direct Control over the Bank. In the event the Direct Shareholder or the entity exercising Direct Control does not have such annual report, the Bank is required to submit specific reports in the form of the annual financial report of the Direct Shareholder or the entity exercising Direct Control that has been audited by a Public Accountant.
VI. ANNOUNCEMENT AND SUBMISSION OF REPORTS

Evidence of announcement of Quarterly Publication Reports in newspapers in the form of newspaper clippings or photocopies, Annual Reports, and specific reports submitted quarterly or annually, are submitted to the Financial Services Authority at the address:
a. Department of Supervision of the relevant Bank or Financial Services Authority Regional Office in Jakarta, for Banks headquartered or branches of banks domiciled abroad located in the Special Capital Region of Jakarta Province; or b. Financial Services Authority Regional Office or local Financial Services Authority Office, for Banks headquartered outside the Special Capital Region of Jakarta Province.
Information and/or Material Fact Reports are submitted to the Head of Banking Supervision Executive of the Financial Services Authority in Jakarta with copies to:
a. Department of Supervision of the relevant Bank or Financial Services Authority Regional Office in Jakarta, for Banks headquartered or branches of banks domiciled abroad located in the Special Capital Region of Jakarta Province; or b. Financial Services Authority Regional Office or local Financial Services Authority Office, for Banks headquartered outside the Special Capital Region of Jakarta Province.
In the event the Bank experiences technical difficulties or force majeure occurs at the deadline for announcement on the Bank's Website, on the same day as the technical difficulty occurs, the Bank submits a written notification letter accompanied by supporting evidence and documents signed by the competent Official, to the Financial Services Authority at the address:
a. Department of Supervision of the relevant Bank or Financial Services Authority Regional Office in Jakarta, for Banks headquartered or branches of banks domiciled abroad located in the Special Capital Region of Jakarta Province; or b. Financial Services Authority Regional Office or local Financial Services Authority Office, for Banks headquartered outside the Special Capital Region of Jakarta Province.
VII. CLOSING
At the time this Financial Services Authority Circular takes effect, Financial Services Authority Circular Number 11/SEOJK.03/2015 on Transparency and Publication of Conventional Commercial Bank Reports is revoked and declared invalid. This Financial Services Authority Circular takes effect on the date of determination. Determined in Jakarta on 28 September 2016 HEAD OF BANKING SUPERVISION EXECUTIVE FINANCIAL SERVICES AUTHORITY, sd NELSON TAMPUBOLON Copy matches the original Director of Law 1 Law Department sd Yuliana

APPENDIX
FINANCIAL SERVICES AUTHORITY CIRCULAR
NUMBER 43 /SEOJK.03/2016
ON
TRANSPARENCY AND PUBLICATION OF CONVENTIONAL COMMERCIAL BANK REPORTS

GUIDELINES FOR PREPARING CONVENTIONAL COMMERCIAL BANK PUBLICATION REPORTS FINANCIAL SERVICES AUTHORITY

TABLE OF CONTENTS
I. GUIDELINES FOR PREPARING MONTHLY PUBLICATION REPORTS ........... - 6 -

Monthly Balance Sheet (Statement of Financial Position) ................................ - 6 -
a. Report format ....................................................................... - 6 - b. Filling guidelines ................................................................. - 8 -
Monthly Income Statement and Other Comprehensive Income
Report.................................................................................... - 10 - a. Report format ..................................................................... - 10 - b. Filling guidelines ............................................................... - 12 -
Monthly Commitments and Contingencies Report............................ - 16 -
a. Report format ..................................................................... - 16 - b. Filling guidelines ............................................................... - 17 -
II. GUIDELINES FOR PREPARING QUARTERLY PUBLICATION REPORTS... - 18 -
Quarterly Balance Sheet (Statement of Financial Position).......................... - 18 -
a. Report format ..................................................................... - 18 - b. Filling guidelines ............................................................... - 20 -
Quarterly Income Statement and Other Comprehensive Income
Report ............................................................................... - 22 - a. Report format ..................................................................... - 22 - b. Filling guidelines ............................................................... - 24 -
Commitments and Contingencies Report .......................................... - 28 -
a. Report format ..................................................................... - 28 - b. Filling guidelines ............................................................... - 29 -
Quarterly Minimum Capital Requirement Calculation Report
for Conventional Commercial Banks ..................................... - 30 - a. Report format ..................................................................... - 30 - b. Filling guidelines ............................................................... - 31 -
Quarterly Minimum Capital Requirement Calculation Report
for Branches of Banks Domiciled Abroad............................................................................... - 35 - a. Report format ..................................................................... - 35 - b. Filling guidelines ............................................................... - 36 -
Quarterly Productive Asset Quality and Other Information
Report ............................................................................... - 38 - a. Report format ..................................................................... - 38 - b. Filling guidelines ............................................................... - 40 -
Quarterly Financial Ratio Report........................................ - 42 -
a. Report format ..................................................................... - 42 - b. Filling guidelines ............................................................... - 43 -
Quarterly Spot and Derivative Transaction Reports..................... - 47 -
a. Report format ..................................................................... - 47 - b. Filling guidelines ............................................................... - 48 -
Disclosure of Quantitative Information on Risk Exposures............... - 49 -
a. General................................................................................... - 49 - b. Credit Risk ......................................................................... - 50 -

Disclosure of Net Claims by Region....... - 50 -
a) Report format............................................................ - 50 - b) Filling guidelines...................................................... - 51 -
Disclosure of Net Claims by Remaining Contract Maturity ................................................................ - 52 -
a) Report format............................................................ - 52 - b) Filling guidelines...................................................... - 53 -
Disclosure of Net Claims by Economic Sector.......................................................................... - 54 -
a) Report format............................................................ - 54 - b) Filling guidelines...................................................... - 56 -
Disclosure of Claims and Provisions by Region ........................................................................... - 57 -
a) Report format............................................................ - 57 - b) Filling guidelines...................................................... - 58 -
Disclosure of Claims and Provisions by Economic Sector....................................................................... - 59 -
a) Report format............................................................ - 59 - b) Filling guidelines...................................................... - 61 -
Disclosure of Details of Impairment Loss Provision Movements .............................................................. - 62 -
a) Report format............................................................ - 62 - b) Filling guidelines...................................................... - 63 -
Disclosure of Net Claims by Portfolio Category and Rating Scale ......................................... - 64 -
a) Report format............................................................ - 64 - b) Filling guidelines...................................................... - 66 -
Disclosure of Counterparty Credit Risk (Counterparty Credit Risk)...................................................................... - 67 -
a) Report format............................................................ - 67 - b) Filling guidelines...................................................... - 70 -
Disclosure of Net Claims by Risk Weight after Considering the Impact of Credit Risk Mitigation.................................................................... - 71 -
a) Report format............................................................ - 71 - b) Filling guidelines...................................................... - 73 -
Disclosure of Net Claims and Credit Risk Mitigation Techniques.................................................................... - 74 -
a) Report format............................................................ - 74 - b) Filling guidelines...................................................... - 76 -
Disclosure of Asset Securitization Transactions...................... - 77 -
a) Report format............................................................ - 77 - b) Filling guidelines...................................................... - 78 -
Disclosure of Summary of Asset Securitization Transaction Activities when the Bank Acts as the Originator ................................................................... - 79 -
a) Report format............................................................ - 79 - b) Filling guidelines...................................................... - 80 -
Disclosure of Capital Adequacy Ratio (CAR) Calculation for Credit Risk Using the Standardized Approach ..................... - 81 -
a) Report format............................................................ - 81 - b) Filling guidelines...................................................... - 86 -
c. Market Risk .......................................................................... - 86 -
Disclosure of Market Risk Using the Standardized Method ........................................................................... - 87 -
a) Report Format ........................................................... - 87 - b) Filling guidelines...................................................... - 87 -
Disclosure of Interest Rate Risk in Banking Book (IRRBB) Exposures................................................................... - 87 -
d. Liquidity Risk ................................................................... - 88 -
Disclosure of Rupiah and Foreign Currency Maturity Profile - 88 -
a) Report Format ........................................................... - 88 - b) Filling guidelines...................................................... - 92 -
Disclosure of Liquidity Coverage Ratio (LCR) Value.......... - 92 -
a) Report Format ........................................................... - 92 - b) Filling guidelines...................................................... - 92 - e. Operational Risk ................................................................ - 93 -
Report Format............................................................... - 93 -
Filling guidelines.......................................................... - 93 -

Capital Disclosure in accordance with the Basel III Framework .............. - 94 -
a. Part 1: Capital Calculation ....................................... - 94 -

Report format................................................................ - 94 -
Filling guidelines........................................................ - 114 -
b. Part 2: Capital Reconciliation...................................... - 115 -
c. Part 3: Details of Capital Instrument Features................... - 120 -
Report format.............................................................. - 120 -
Filling guidelines........................................................ - 123 -

Quarterly Liquidity Coverage Ratio Report.......................... - 124 -
a. Quantitative Information........................................................... - 124 -

Report format.............................................................. - 124 -
Filling guidelines........................................................ - 129 -
b. Qualitative Information ............................................................. - 138 -
Report format.............................................................. - 138 -
Filling guidelines........................................................ - 139 -
III. GUIDELINES FOR PREPARING ANNUAL PUBLICATION REPORTS (ANNUAL REPORTS) ................................................................. - 141 -

General .................................................................................... - 141 -
Capital Disclosure and Risk Management Practices Applied by Banks ............................................................ - 141 -
IV. GUIDELINES FOR PREPARING INFORMATION AND/OR MATERIAL FACT REPORTS ...................................................................... - 143 -

Liabilities ...
I. GUIDELINES FOR PREPARING MONTHLY PUBLICATION REPORTS

Monthly Financial Position Report (Balance Sheet)
a. Report format
Bank :
Report Date :
(in millions of Rupiah)
INDIVIDUAL
Report Date Position
Cash
Deposits at Bank Indonesia
Deposits at other banks
Spot and derivative claims
Securities
a. Measured at fair value through profit/loss b. Available for sale
c. Held to maturity
d. Loans granted and receivables
Securities sold with agreement to repurchase (repo)
Acceptance claims
Credits
a. Measured at fair value through profit/loss b. Available for sale
c. Held to maturity
d. Loans granted and receivables
Sharia Financing 1)
Investments
Provision for impairment losses on financial assets -/-
a. Securities b. Credits
c. Others
Intangible assets
Accumulated amortization of intangible assets -/-
Fixed assets and inventories
Accumulated depreciation of fixed assets and inventories -/-
Non-performing assets
a. Abandoned properties b. Acquired assets
c. Suspended accounts
d. Inter-office assets 2)
i. Conducting operational activities in Indonesia
ii. Conducting operational activities outside Indonesia
Provision for impairment losses on non-financial assets -/-
Finance leases 1)
Deferred tax assets
Other assets
TOTAL ASSETS
LIABILITIES
Demand deposits
Savings
Time deposits
Revenue sharing investment funds 1)
Loans from Bank Indonesia
Loans from other banks
LIABILITIES AND EQUITY
MONTHLY FINANCIAL POSITION REPORT (BALANCE SHEET) No. ITEM - ITEM ASSETS Claims on securities purchased with agreement to resell (reverse repo)

b. Guidelines ...
(in millions of Rupiah)
INDIVIDUAL
Report Date Position
7. Spot and derivative liabilities
8. Liabilities for securities sold with agreement to repurchase (repo)
9. Acceptance liabilities
10. Issued securities
11. Received loans
12. Margin deposits
13. Inter-office liabilities 2)
a. Conducting operational activities in Indonesia b. Conducting operational activities outside Indonesia
14. Deferred tax liabilities
15. Other liabilities
16. Profit sharing investment funds 1)
TOTAL LIABILITIES
EQUITY
17. Paid-up capital
a. Authorized capital b. Unpaid capital -/-
c. Treasury stock -/-
18. Additional paid-up capital
a. Agio b. Disagio -/-
c. Donation capital
d. Capital deposit funds e. Others
19. Other comprehensive income
a. b. c. d. Revaluation gains on fixed assets e. Share of other comprehensive income from associates f. Remeasurement of defined benefit programs g. Income tax related to other comprehensive income h. Others
20. Quasi-reorganization differences 3)
21. Restructuring differences with controlled entities
22. Other equity
23. Reserves
a. General reserves b. Purpose reserves
24. Profit/loss
a. Prior years b. Current year 4)
TOTAL EQUITY
TOTAL LIABILITIES AND EQUITY
Notes:

: Filled by Banks with Sharia Business Units (UUS).
: Inter-office assets and Inter-office liabilities are presented net in the Balance Sheet.
: Filled only until the relevant PSAK (Indonesian Financial Accounting Standards) applies.
: For branches of Banks domiciled abroad, profit (loss) transfers to the head office have been considered.
Sharia Financing includes, among others, Murabahah - net, Salam, Istishna' - net, Qardh, Financing, Ijarah - net, Multi-service transactions - net. Adjustments due to translation of financial statements in foreign currency Gains (losses) from changes in value of financial assets in the available for sale category No. ITEM - ITEM Equity ...

Cash 1. Cash 100
Deposits at Bank Indonesia 2. Deposits at Bank Indonesia 120
Deposits at other banks 3. Deposits at other banks 130
Spot and derivative claims 4. Spot and derivative claims 135
Securities 5. Securities
a. Measured at fair value through profit/loss a. Measured at fair value through profit/loss
i. Traded 138
ii. Designated to be measured at fair value 139
b. Available for sale b. Available for sale 143
c. Held to maturity c. Held to maturity 144
d. Loans granted and receivables d. Loans granted and receivables 145
Securities sold with agreement to repurchase (repo) 6. 160
1. 164
Acceptance claims 8. Acceptance claims 166
Credits 9. Granted credits
a. Measured at fair value through profit/loss a. Measured at fair value through profit/loss
i. Traded 168
ii. Designated to be measured at fair value 169
b. Available for sale b. Available for sale 172
c. Held to maturity c. Held to maturity 173
d. Loans granted and receivables d. Loans granted and receivables 175
Sharia Financing 1) 10. Sharia Financing 174 (Consolidated UUS Balance Sheet)
Investments 11. Investments 200
Provision for impairment losses on financial assets -/- 12. Provision for impairment losses on financial assets -/-
a. Securities a. Held securities 201 b. Credits b. Granted credits 202
c. Others c. Others 206
Intangible assets 13. Intangible assets 212
Accumulated amortization of intangible assets -/- Accumulated amortization of intangible assets -/- 213
Fixed assets and inventories 14. Fixed assets and inventories 214
Accumulated depreciation of fixed assets and inventories -/- Accumulated depreciation of fixed assets and inventories -/- 215
Non-performing assets 15. Non-performing assets
a. Abandoned properties a. Abandoned properties 217 b. Acquired assets b. Acquired assets 218
c. Suspended accounts c. Suspended accounts 219
d. Inter-office assets 2) d. Inter-office assets
i. Conducting operational activities in Indonesia i. Conducting operational activities in Indonesia 223
ii. Conducting operational activities outside Indonesia ii. Conducting operational activities outside Indonesia 224
Provision for impairment losses on other assets -/- 16. Provision for impairment losses on other assets -/- Filled by Bank (according to code 225)
Finance leases 1) 17. Finance leases 227 (Consolidated Balance Sheet)
Deferred tax assets 18. Deferred tax assets 228
Other Assets 19. Various assets 230
TOTAL ASSETS TOTAL ASSETS 290
LIABILITIES AND EQUITY LIABILITIES AND EQUITY
Liabilities
Demand deposits 1. Demand deposits 300
Savings 2. Savings 320
Time deposits 3. Time deposits 330
Revenue sharing investment funds 1) 4. Revenue sharing investment funds (Consolidated UUS Balance Sheet)
a. Demand deposits 321 b. Savings 322
c. Time deposits 323
d. Others 329
Loans from Bank Indonesia 5. Obligations to Bank Indonesia 340
Loans from other banks 6. Obligations to other banks 350
Spot and derivative liabilities 7. Spot and derivative obligations 351
1. 352
Acceptance liabilities 9. Acceptance obligations 353
Issued securities 10. Issued securities 355 + part of 410 4)
Received loans 11. Received loans 360 + part of 410 5)
Margin deposits 12. Margin deposits 370
Inter-office liabilities 2) 13. Inter-office obligations
a. Conducting operational activities in Indonesia a. Conducting operational activities in Indonesia 393 b. Conducting operational activities outside Indonesia b. Conducting operational activities outside Indonesia 394
Deferred tax liabilities 14. Deferred tax obligations 396
Other liabilities 15. Various obligations Filled by bank (code 400)
Profit sharing investment funds 1) 16. Profit sharing investment funds 401 (Consolidated UUS Balance Sheet)
Liabilities for securities sold with agreement to repurchase (repo) Obligations for securities sold with agreement to repurchase (repo) ASSETS ASSETS Securities sold with agreement to repurchase (repo) Claims on securities purchased with agreement to resell (reverse repo) Claims on securities purchased with agreement to resell (reverse repo) MONTHLY PUBLICATION REPORT MONTHLY REPORT OF CONVENTIONAL BANKS (LBU) No. ITEM BALANCE SHEET ITEM BALANCE SHEET CODE LBU MONTHLY PUBLICATION REPORT
Report ...
Equity
Paid-up capital 17. Paid-up capital
a. Authorized capital a. Authorized capital 421 b. Unpaid capital -/- b. Unpaid capital -/- 422
c. Treasury stock -/- c. Treasury stock -/- 423
Additional paid-up capital 18. Additional paid-up capital
a. Agio a. Agio 431 b. Disagio -/- b. Disagio -/- 432
c. Donation capital c. Donation capital 433
d. Capital deposit funds d. Capital deposit funds 455 e. Others e. Others
i. Additive factors

Issued warrants
a) Based on ordinary shares 471 b) Others 472
Stock options
a) Based on ordinary shares 473 b) Based on ordinary shares specifically issued for employee/management compensation programs 474 c) Others 475
Others 476
ii. Deductive factors -/- 454

Other comprehensive income 19. Comprehensive income (loss)
a. Adjustments due to translation of financial statements a.
i. Additive factors 436
ii. Deductive factors -/- 437
b. b. Filled by Bank (part of 440 or 445)
c. Cash flow hedges c. Cash flow hedges Filled by Bank (part of 440 or 445)
d. Revaluation gains on fixed assets d. Revaluation differences on fixed assets 456 e. Share of other comprehensive income from associates e. Share of comprehensive income from associates Filled by Bank (part of 440 or 445) f. f. Filled by Bank (part of 440 or 445) g. Income tax related to other comprehensive income g. Income tax related to other comprehensive income Filled by Bank (part of 440 or 445) h. Others h. Others Filled by Bank (part of 440 or 445)
Quasi-reorganization differences 3) 20. Quasi-reorganization differences Filled by Bank
Restructuring differences with controlled entities 21. Restructuring differences with controlled entities 457
Other equity 22. Other equity 453 and 454 + part of 410 6)
Reserves 23. Reserves
a. General reserves a. General reserves 451 b. Purpose reserves b. Purpose reserves 452
Profit/loss 24. Profit/loss
a. Prior years a. Prior years
i. Profit 461
ii. Loss -/- 462
b. Current year b. Current year
i. Profit 465
ii. Loss -/- 466
TOTAL LIABILITIES AND EQUITY TOTAL LIABILITIES AND EQUITY 490 Notes:

: Filled by Banks with UUS.
Sharia Financing includes, among others, Murabahah - net, Salam, Istishna - net, Qardh, Financing, Ijarah - net, Multi-service transactions - net.
: Inter-office assets and Inter-office liabilities are presented net in the Balance Sheet.
: Filled only until the relevant PSAK applies.
:
:
:
Filled for loan capital components that cannot be included as equity items, including parts of subordinated securities issued by the Bank (subordinated securities with conversion option features) that do not meet equity criteria as regulated in the applicable PSAK. Filled for loan capital components that can be counted as capital, including subordinated loans. Filled for loan capital components that can be included as equity items, including parts of subordinated securities issued by the Bank (subordinated securities with conversion option features) that meet equity criteria as regulated in the applicable PSAK, and preferred shares. Remeasurement of defined benefit programs Adjustments due to translation of financial statements Gains (losses) from changes in value of financial assets in the available for sale category Gains (losses) from changes in value of financial assets in the available for sale category Gains (losses) from remeasurement of defined benefit pension programs No. ITEM BALANCE SHEET ITEM BALANCE SHEET CODE LBU MONTHLY PUBLICATION REPORT MONTHLY REPORT OF CONVENTIONAL BANKS (LBU)

f. Losses ...
2. Monthly Income Statement and Other Comprehensive Income Report
a. Report format
Bank :
Report Period :
(in millions of Rupiah)
INDIVIDUAL
Report Period
OPERATING INCOME AND EXPENSES

Interest Income
a. Rupiah b. Foreign currency
Interest Expenses
a. Rupiah b. Foreign currency
Net Interest Income (Expense)
Non-Interest Operating Income
a. Fair value increase of financial assets
i. Securities
ii. Credits
iii. Spot and derivatives
iv. Other financial assets
b. Fair value decrease of financial liabilities
c. Gains on sale of financial assets
i. Securities
ii. Credits
iii. Other financial assets
d. Gains on spot and derivative transactions (realised) e. Dividends f. g. h.
i. Other income
Non-Interest Operating Expenses
a. Fair value decrease of financial assets
i. Securities
ii. Credits
iii. Spot and derivatives
iv. Other financial assets
b. Fair value increase of financial liabilities
c. Losses on sale of financial assets
i. Securities
ii. Credits
iii. Other financial assets
d. Losses on spot and derivative transactions (realised) e. Impairment losses on financial assets (impairment)
i. Securities
ii. Credits
iii. Sharia Financing
iv. Other financial assets
B. Non-Interest Operating Income and Expenses
Gains from equity method investments
Commissions/provisions/fees and administration Recoveries on impairment loss provisions MONTHLY INCOME STATEMENT AND OTHER COMPREHENSIVE INCOME REPORT No. ITEM-ITEM A. Interest Income and Expenses

b. Guidelines ...
(in millions of Rupiah)
INDIVIDUAL
Report Period f. Operational risk-related losses g. h.
i. Impairment losses on other assets (non-financial)
j. Labor expenses k. Promotion expenses
l. Other expenses
Net Non-Interest Operating Income (Expense)
OPERATING PROFIT (LOSS)

Gains (losses) on sale of fixed assets and inventories
Gains (losses) on translation of foreign currency transactions
Other non-operating income (expenses)
NON-OPERATING PROFIT (LOSS)
CURRENT YEAR PROFIT (LOSS) BEFORE TAX
Income Tax a. Estimated current year tax b. Deferred tax income (expense) CURRENT YEAR NET PROFIT (LOSS)
Items that will not be reclassified to Profit/Loss
a. Revaluation gains on fixed assets b.
c. Share of other comprehensive income from associates
d. Others e.
Items that will be reclassified to Profit/Loss
a. b.
c. Effective portion of cash flow hedges
d. Others e.
TOTAL CURRENT YEAR COMPREHENSIVE PROFIT (LOSS) PROFIT (LOSS) TRANSFER TO HEAD OFFICE 1) Notes:

:
Gains (losses) from changes in value of financial assets in the available for sale category Income tax related to items that will be reclassified to profit/loss CURRENT YEAR OTHER COMPREHENSIVE INCOME AFTER TAX Losses from equity method investments Commissions/provisions/fees and administration Income tax related to items that will not be reclassified to profit/loss Adjustments due to translation of financial statements in foreign currency NON-OPERATING INCOME (EXPENSES) OTHER COMPREHENSIVE INCOME Remeasurement of defined benefit programs No. ITEM-ITEM Filled if there are profit (loss) transfers from branches of Banks domiciled abroad to the head office.

c. Profit ...
CODE
LBU
OPERATING INCOME AND EXPENSES OPERATING INCOME AND EXPENSES A. Interest Income and Expenses

Interest Income 1. Interest Income 1000
a. From Bank Indonesia 1020 b. From placements in other banks
i. Demand Deposits 1060
ii. Interbank call money 1070
iii. Savings 1080
iv. Time Deposits 1090
v. Others 1150
c. From securities
i. From Bank Indonesia 1160
ii. From other banks 1170
iii. From third parties other than banks 1180
d. From loans granted
i. From other banks 1210
ii. From third parties other than banks 1220
e. Others
i. From Bank Indonesia 1250
ii. From other banks 1260
iii. From third parties other than banks 1270
iv. Head office/own branches outside Indonesia 1280
v. Head office/own branches in Indonesia 1290
f. Sharia Financing 1295
Interest Expense 2. Interest Expense 1300
a. To Bank Indonesia 1310 b. Obligations to other banks
i. Demand Deposits 1350
ii. Interbank call money 1360
iii. Savings 1370
iv. Time Deposits 1380
v. Others 1440
c. To third parties other than banks
i. Demand Deposits 1450
ii. Time Deposits 1460
iii. Savings 1470
d. Securities
i. To Bank Indonesia 1530
ii. To other banks 1540
iii. To third parties other than banks 1550
e. Loans received
i. To other banks 1590
ii. To third parties other than banks 1600
f. Others
i. To Bank Indonesia 1630
ii. To other banks 1640
iii. To third parties other than banks 1650
iv. Head office/own branches outside Indonesia 1660
v. Head office/own branches in Indonesia 1670
g. Correction of interest income 1680
Net Interest Income (Expense) Net Interest Income (Expense) 1000 - 1300 B. Non-Interest Operating Income and Expenses
Non-Interest Operating Income 1. Non-Interest Operating Income 1800
a. a.
i. Securities i. Securities 1810
ii. Loans ii. Loans 1900
iii. Spot and derivatives iii. Spot and derivatives

Forward 2080
Futures 2085
Swap 2090
Option 2095
Spot 2100
Others 2120
iv. Other financial assets iv. Other financial assets 2000
b. b. 2075
MONTHLY PROFIT AND LOSS AND COMPREHENSIVE INCOME REPORT PUBLICATION REPORT PROFIT AND LOSS ITEMS MONTHLY REPORT OF COMMERCIAL BANKS (LBU) A. Interest Income and Expenses Increase in fair value of financial assets (mark to market) Decrease in fair value of financial liabilities (mark to market)

ii. Loans ...
CODE
LBU
c. Gain on sale of financial assets c. Gain on sale of financial assets
i. Securities i. Securities

Measured at fair value
a) Trading 1830 b) Designated to be measured at fair value 1840
Available for sale 1850
Held to maturity 1860
Loans granted and receivables 1870
ii. Loans ii. Loans
Measured at fair value
a) Trading 1930 b) Designated to be measured at fair value 1940
Available for sale 1950
Held to maturity 1960
Loans granted and receivables 1970
iii. Other financial assets iii. Other financial assets
Measured at fair value
a) Trading 2030 b) Designated to be measured at fair value 2040
Available for sale 2050
Held to maturity 2060
Loans granted and receivables 2070
d. Gain on spot and derivative transactions (realised) d. Gain on spot and derivative transactions (realised)
i. Forward 2125
ii. Futures 2130
iii. Swap 2135
iv. Option 2140
v. Spot 2145
vi. Others 2160
e. e. 2170 f. Gain from equity method investments f. Gain from equity method investments 2180 g. Commission/provision/fee and administration g. Commission/provision/fee and administration
i. Loan commission/provision 2190
ii. Commission/provision from derivative transactions 2200
iii. Fee on managed loans 2210
iv. Fee on cash management services 2220
v. Others 2260
h. h. i.
Financial assets 2270
Other assets 2280
Miscellaneous assets 2290
i. Other income i. Other income 2430

Non-Interest Operating Expenses Non-Interest Operating Expenses 2500
a. Decrease in fair value of financial assets a. Decrease in fair value of financial assets (mark to market)
i. Securities i. Securities 2530
ii. Loans ii. Loans 2640
iii. Spot and derivatives iii. Spot and derivatives

Forward 2920
Futures 2925
Swap 2930
Option 2935
Spot 2940
Others 2960
iv. Other financial assets iv. Other financial assets 2740
b. b. 2820
c. Loss on sale of financial assets c. Loss on sale of financial assets
i. Securities i. Securities
Measured at fair value
a) Trading 2560 b) Designated to be measured at fair value 2570
Available for sale 2580
Held to maturity 2590
Loans granted and receivables 2600
Recovery of impairment loss provisions
Correction of impairment loss provisions
Increase in fair value of financial liabilities (mark to market) Dividends Dividends No. PROFIT AND LOSS ITEMS PUBLICATION REPORT PROFIT AND LOSS ITEMS MONTHLY REPORT OF COMMERCIAL BANKS (LBU)

l. Expenses ...
CODE
LBU
ii. Loans ii. Loans

Measured at fair value
a) Trading 2670 b) Designated to be measured at fair value 2680
Available for sale 2690
Held to maturity 2700
Loans granted and receivables 2710
iii. Other financial assets iii. Other financial assets
Measured at fair value
a) Trading 2770 b) Designated to be measured at fair value 2780
Available for sale 2790
Held to maturity 2800
Loans granted and receivables 2810
d. Loss on spot and derivative transactions (realised) d. Loss on spot and derivative transactions (realised)
i. Forward 2965
ii. Futures 2970
iii. Swap 2975
iv. Option 2980
v. Spot 2985
vi. Others 3000
e. Impairment loss on financial assets (impairment) e. Impairment loss on financial assets (impairment)
i. Securities i. Securities 3190
ii. Loans ii. Loans 3220
iii. Sharia Financing 1) iii. Sharia Financing 3225 (Consolidated LBU UUS)
iv. Other financial assets iv. Other financial assets
Interbank fund placements 3170
Derivative receivables 3180
Reverse repo receivables 3200
Acceptance receivables 3210
Investments 3230
Others 3300
f. Operational risk-related losses f. i. Provision for operational risk losses 2) 3320
ii. Operational risk-related losses 3)
Internal fraud 3560
External crime 3561
Employment practices and workplace safety 3562
Clients, products, and business practices 3563
Damage to physical assets 3564
Business disruption and system failures 3565
Execution, delivery, and process management 3570
g. g. 3010 h. Commission/provision/fee and administration h. Commission/provision/fee and administration
i. Loan commission/provision 3020
ii. Commission/provision from derivative transactions 3030
iii. Fee on managed loans 3040
iv. Others 3100
i. Impairment loss on other assets i. i. Impairment loss on other assets (non-financial)
Intangible assets Filled by Bank (part of 3420)
Fixed assets and inventory Filled by Bank (part of 3430)
Vacant properties Filled by Bank (part of 3440)
Foreclosed assets Filled by Bank (part of 3450)
Suspense accounts Filled by Bank (part of 3460)
Inter-office Filled by Bank (part of 3470)
Others Filled by Bank (part of 3550)
ii. Impairment loss on miscellaneous assets Filled by Bank (part of 3555)
j. Labor expenses j. Labor expenses
i. Board of Directors Salaries 3644
ii. Non-Board of Directors Salaries and Wages 3645
iii. Commissioners/Supervisory Board Honorariums 3650
iv. Others 3690
k. Promotion expenses k. Promotion expenses 3850 Loss from equity method investments Loss from equity method investments No. PROFIT AND LOSS ITEMS PUBLICATION REPORT PROFIT AND LOSS ITEMS MONTHLY REPORT OF COMMERCIAL BANKS (LBU)

Report ...
CODE
LBU
l. Other expenses l. i. Insurance premiums

Loans 3110
Third-party fund guarantees 3120
Operational losses 3130
Others 3160
ii. Depreciation and amortization
Fixed assets and inventory 3340
Ijarah assets 3345 (Consolidated LBU UUS)
Deferred expenses 3350
Intangible assets 3360
Others 3400
iii. Loan restructuring losses 3410
iv. Education and training 3700
v. Research and development 3750
vi. Rent 3800
vii. Taxes (excluding income tax) 3900
viii. Maintenance and repairs 3950
ix. Goods and services
4000
Others 4010
x. Others 4050
Net Non-Interest Operating Income (Expense) 1800 - 2500 OPERATING PROFIT (LOSS) 4150 or 4200 NON-OPERATING INCOME (EXPENSES)

Gain (loss) on sale of fixed assets and inventory 4220 - 4310
Gain (loss) on foreign currency transaction translation 4240 - 4330
Other non-operating income (expenses) Non-operating income (expenses)
a. Rent 4210 b. Receipts from operational loss insurance claims 4250
c. Others 4300 - 4400
NON-OPERATING PROFIT (LOSS) 4450 or 4500
PROFIT (LOSS) FOR THE YEAR BEFORE TAX 4550 or 4600 Income tax a. Estimate of current year tax -/- 4935 b. Deferred tax income (expense) 4940 or 4945 4550 - 4600 - 4935 + 4940 - 4945 OTHER COMPREHENSIVE INCOME
Items That Will Not Be Reclassified to Profit or Loss
a. Gain on revaluation of fixed assets filled by Bank b. Remeasurement of defined benefit plans filled by Bank
c. Share of other comprehensive income from associates filled by Bank
d. Others filled by Bank e. Income tax related to items that will not be reclassified to profit or loss filled by Bank
Items That Will Be Reclassified to Profit or Loss
a. filled by Bank b. filled by Bank
c. Effective portion of cash flow hedges filled by Bank
d. Others filled by Bank e. filled by Bank
Current year other comprehensive income after tax TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR Profit (Loss) for the Year attributable to :
OWNERS filled by Bank
NON-CONTROLLING INTERESTS filled by Bank
TOTAL PROFIT (LOSS) FOR THE YEAR
Total Comprehensive Profit (Loss) for the Year attributable to :
OWNERS filled by Bank
NON-CONTROLLING INTERESTS filled by Bank
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR TRANSFER OF PROFIT (LOSS) TO HEAD OFFICE 4850 or 4900 DIVIDENDS EARNINGS PER SHARE (in rupiah units) Notes:

: Filled by Banks that have UUS.
: Filled with the amount of provision formation to anticipate potential losses that may arise from operational risks.
: Filled with the amount of operational risk losses that have occurred in a certain amount.
Adjustment due to translation of financial statements in foreign currency Gain (loss) from changes in value of financial assets in the available for sale category Income tax related to items that will be reclassified to profit or loss No. PROFIT AND LOSS ITEMS PUBLICATION REPORT PROFIT AND LOSS ITEMS MONTHLY REPORT OF COMMERCIAL BANKS (LBU) NET PROFIT (LOSS) FOR THE YEAR Technology, System, and Information Processing Services (TSI)

b. Guidelines ...
3. Monthly Commitment and Contingency Report
a. Report format
Bank :
Report Date :
(in millions of rupiah)
INDIVIDUAL
Position as of Report Date
I

Undrawn loan facilities
a. Rupiah b. Foreign currency
Outstanding spot and derivative purchase positions
Others
II COMMITMENT OBLIGATIONS
Undrawn credit facilities to customers
a. State-Owned Enterprises (BUMN)
i. Committed

Rupiah
Foreign currency
ii. Uncommitted
Rupiah
Foreign currency
b. Others
i. Committed
ii. Uncommitted

Undrawn credit facilities to other banks
a. Committed
i. Rupiah
ii. Foreign currency
b. Uncommitted
i. Rupiah
ii. Foreign currency
Outstanding Irrevocable L/C
a. Foreign L/C b. Domestic L/C
Outstanding spot and derivative sale positions
Others
III.
Guarantees received
a. Rupiah b. Foreign currency
Accrued interest income
a. Interest on loans granted b. Other interest
Others
IV.
Guarantees issued
a. Rupiah b. Foreign currency
Others
CONTINGENT LIABILITIES
MONTHLY COMMITMENT AND CONTINGENCY REPORT
No. ITEMS
COMMITMENT RECEIVABLES
CONTINGENT RECEIVABLES

II. GUIDELINES ...
I COMMITMENT RECEIVABLES COMMITMENT RECEIVABLES

Undrawn loan facilities 1. Undrawn loan facilities 495
Outstanding spot and derivative purchase positions 2. Outstanding spot and derivative purchase positions 521
Others 3. Others
a. Related to banks 525 b. Not related to banks 529 II COMMITMENT OBLIGATIONS
Undrawn credit facilities to customers 1. Undrawn credit facilities to customers
a. BUMN a. BUMN
i. Committed i. Committed 533
ii. Uncommitted ii. Uncommitted 535
b. Others b. Others
i. Committed i. Committed 536
ii. Uncommitted ii. Uncommitted 538
Undrawn credit facilities to other banks 2. Undrawn credit facilities to other banks
a. Committed a. Committed 542 b. Uncommitted b. Uncommitted 544
Outstanding Irrevocable L/C 3. Outstanding Irrevocable L/C
a. Foreign L/C a. Foreign L/C 561 b. Domestic L/C b. Domestic L/C 562
Outstanding spot and derivative sale positions 4. Outstanding spot and derivative sale positions 570
Others 5. Others 589
III. CONTINGENT RECEIVABLES
Guarantees received 1. Guarantees received 591
Accrued interest income 2. Accrued interest income
a. Interest on loans granted a. Interest on loans granted 592 b. Other interest b. Other interest 597
Others 3. Others 598
IV. CONTINGENT LIABILITIES
Guarantees issued 1. Guarantees issued 599
Others 2. Others 609
MONTHLY COMMITMENT AND CONTINGENCY REPORT
No. COMMITMENT AND CONTINGENCY ITEMS COMMITMENT AND CONTINGENCY ITEMS CODE PUBLICATION REPORT MONTHLY REPORT OF COMMERCIAL BANKS (LBU) LBU COMMITMENT OBLIGATIONS CONTINGENT RECEIVABLES CONTINGENT LIABILITIES

EQUITY ...
II. GUIDELINES FOR PREPARING QUARTERLY PUBLICATION REPORTS

Quarterly Balance Sheet (Statement of Financial Position)
a. Report format
Bank :
Report Date :
No. Position as of Dec 31 Position as of Dec 31 Report Date Previous Year Report Date Previous Year ASSETS
Cash
Placements in Bank Indonesia
Placements in other banks
Spot and derivative receivables
Securities
a. Measured at fair value through profit or loss b. Available for sale
c. Held to maturity
d. Loans granted and receivables
Acceptance receivables
Loans
a. Measured at fair value through profit or loss b. Available for sale
c. Held to maturity
d. Loans granted and receivables
Sharia Financing 1)
Investments
Impairment loss provisions for financial assets -/-
a. Securities b. Loans
c. Others
Intangible assets
Accumulated amortization of intangible assets -/-
Fixed assets and inventory
Accumulated depreciation of fixed assets and inventory -/-
Non-performing assets
a. Vacant properties b. Foreclosed assets
c. Suspense accounts
d. Inter-office assets 2)
i. Conducting operational activities in Indonesia
ii. Conducting operational activities outside Indonesia
Impairment loss provisions for non-financial assets -/-
Finance lease assets 3)
Deferred tax assets
Other assets
TOTAL ASSETS
LIABILITIES
Demand Deposits
Savings
Time Deposits
Revenue sharing investment funds 1)
Loans from Bank Indonesia
Loans from other banks
Spot and derivative liabilities
Acceptance payables
Securities issued
Loans received
Margin deposits
Inter-office liabilities 2)
a. Conducting operational activities in Indonesia b. Conducting operational activities outside Indonesia
Deferred tax liabilities
Other liabilities
Profit sharing investment funds 1)
TOTAL LIABILITIES
Payables for securities sold with agreement to repurchase (repo) PUBLICATION REPORT MONTHLY REPORT OF COMMERCIAL BANKS (LBU) INDIVIDUAL CONSOLIDATED ITEMS Securities sold with agreement to repurchase (repo) Receivables for securities purchased with agreement to resell (reverse repo) LIABILITIES AND EQUITY

b. Guidelines ...
No. Position as of Dec 31 Position as of Dec 31 Report Date Previous Year Report Date Previous Year EQUITY
17. Paid-in capital
a. Authorized capital b. Unpaid capital -/-
c. Treasury stock -/-
18. Additional paid-in capital
a. Share premium b. Discount -/-
c. Donated capital
d. Capital deposit funds e. Others
19. Other comprehensive income
a. b.
c. Effective portion of cash flow hedges
d. Gain on revaluation of fixed assets e. Share of other comprehensive income from associates f. g. Income tax related to other comprehensive income h. Others
20. Quasi-reorganization difference 4)
21. Reorganization difference among entities under common control 5)
22. Other equity
23. Reserves
a. General reserves b. Specific purpose reserves
24. Profit/loss
a. Prior years b. Current year 6)
TOTAL EQUITY ATTRIBUTABLE
TO OWNERS
25. Non-controlling interests 7)
TOTAL EQUITY
TOTAL LIABILITIES AND EQUITY
Notes:

: Filled by Banks that have UUS.
Sharia Financing includes, among others, Murabahah - net, Salam, Istishna - net, Qardh, Financing, Ijarah - net, Multi-service transactions - net.
: Inter-office assets and Inter-office liabilities are presented net in the Balance Sheet.
:
: Filled only until the relevant PSAK applies.
: Filled only in the Individual column.
: For branches of Banks domiciled outside the country, profit (loss) transfer to the head office has been taken into account.
: Filled only in the Consolidated column.

Chairman of Commissioners :
Commissioners : 1. Ultimate shareholder 3)
: ....................................
Commissioners : through : a. Name of PSP 1 : .............. %
Commissioners : b. ............. etc : .............. %
…..etc 2. Ultimate shareholder 3)
: ....................................
through : a. Name of PSP 1 : .............. % b. ............. etc : .............. %
President Director : 3. ... etc.
Directors :
Directors :
Directors :
…..etc
City name,
(………………….) (………………….)
Notes:

: For branches of Banks domiciled outside the country, refers to the party appointed to perform supervisory functions.

: For branches of Banks domiciled outside the country, refers to the branch head and the official one level below the branch head.
3) : If any.
2. Shareholder Name 2 : ............. %
3. .….etc
Board of Directors of Bank ….
Shareholders
Remeasurement of defined benefit plans
Adjustment due to translation of financial statements in foreign currency Gain (loss) from changes in value of financial assets in the available for sale category COMMISSIONERS 1) BOARD OF DIRECTORS 2) SHAREHOLDERS (in millions of rupiah) INDIVIDUAL CONSOLIDATED ITEMS

Equity ...

Cash 1. Cash 100
Deposits at Bank Indonesia 2. Deposits at Bank Indonesia 120
Deposits at other banks 3. Deposits at other banks 130
Spot and derivative receivables 4. Spot and derivative receivables 135
Securities 5. Securities
a. Measured at fair value through profit or loss a. Measured at fair value through profit or loss
i. Traded 138
ii. Designated to be measured at fair value 139
b. Available for sale b. Available for sale 143
c. Held to maturity c. Held to maturity 144
d. Loans granted and receivables d. Loans granted and receivables 145
Securities sold with a commitment to repurchase (repo) 6. 160
1. 164
Acceptance receivables 8. Acceptance receivables 166
Credit 9. Loans granted
a. Measured at fair value through profit or loss a. Measured at fair value through profit or loss
i. Traded 168
ii. Designated to be measured at fair value 169
b. Available for sale b. Available for sale 172
c. Held to maturity c. Held to maturity 173
d. Loans granted and receivables d. Loans granted and receivables 175
Islamic financing 1) 10. Islamic financing 174 (Combined UUS LBU)
Investments 11. Investments 200
Allowance for financial asset impairment -/- 12. Allowance for financial asset impairment -/-
a. Securities a. Held securities 201 b. Credit b. Loans granted 202
c. Others c. Others 206
Intangible assets 13. Intangible assets 212
Accumulated amortization of intangible assets -/- Accumulated amortization of intangible assets -/- 213
Fixed assets and inventory 14. Fixed assets and inventory 214
Accumulated depreciation of fixed assets and inventory -/- Accumulated depreciation of fixed assets and inventory -/- 215
Non-performing assets 15. Non-performing assets
a. Vacant properties a. Vacant properties 217 b. Foreclosed assets b. Foreclosed assets 218
c. Suspense accounts c. Suspense accounts 219
d. Inter-office assets 2) d. Inter-office assets
i. Conducting operational activities in Indonesia i. Conducting operational activities in Indonesia 223
ii. Conducting operational activities outside Indonesia ii. Conducting operational activities outside Indonesia 224
Allowance for other asset impairment -/- 16. Allowance for other asset impairment -/- Filled by Bank (according to CKPN at code 225)
Finance lease 3) 17. Finance lease 227 (Consolidated LBU)
Deferred tax assets 18. Deferred tax assets 228
Other assets 19. Miscellaneous assets 230
TOTAL ASSETS TOTAL ASSETS 290
LIABILITIES AND EQUITY LIABILITIES AND EQUITY
Demand deposits 1. Demand deposits 300
Savings 2. Savings 320
Time deposits 3. Time deposits 330
Revenue sharing investment funds 1) 4. Revenue sharing investment funds (Combined UUS LBU)
a. Demand deposits 321 b. Savings 322
c. Time deposits 323
d. Others 329
Loans from Bank Indonesia 5. Obligations to Bank Indonesia 340
Loans from other banks 6. Obligations to other banks 350
Spot and derivative liabilities 7. Spot and derivative obligations 351
1. 352
Acceptance payables 9. Acceptance obligations 353
Securities issued 10. Securities issued 355 + part of 410 7)
Borrowings received 11. Borrowings received 360 + part of 410 8)
Margin deposits 12. Margin deposits 370
Inter-office liabilities 2) 13. Inter-office obligations
a. Conducting operational activities in Indonesia a. Conducting operational activities in Indonesia 393 b. Conducting operational activities outside Indonesia b. Conducting operational activities outside Indonesia 394
Deferred tax liabilities 14. Deferred tax obligations 396
Other liabilities 15. Miscellaneous liabilities Filled by bank (code 400)
Profit sharing investment funds 1) 16. Profit sharing investment funds 401 (Combined UUS LBU)
TOTAL LIABILITIES
ASSETS ASSETS
Securities sold with a commitment to repurchase (repo) Receivables on securities purchased with a commitment to resell (reverse repo) Receivables on securities purchased with a commitment to resell (reverse repo) Payables on securities sold with a commitment to repurchase (repo) Obligations on securities sold with a commitment to repurchase (repo) QUARTERLY FINANCIAL POSITION STATEMENT (BALANCE SHEET) No. BALANCE SHEET ITEM BALANCE SHEET ITEM LBU CODE PUBLICATION REPORT MONTHLY REPORT OF COMMERCIAL BANKS (LBU)
Report ...
Equity
Paid-in capital 17. Paid-in capital
a. Authorized capital a. Authorized capital 421 b. Unpaid capital -/- b. Unpaid capital -/- 422
c. Treasury stock -/- c. Treasury stock -/- 423
Additional paid-in capital 18. Additional paid-in capital
a. Share premium a. Share premium 431 b. Discount -/- b. Discount -/- 432
c. Donated capital c. Donated capital 433
d. Capital deposit funds d. Capital deposit funds 455 e. Others e. Others
i. Additive factors

Issued warrants
a) Based on ordinary shares 471 b) Others 472
Stock options
a) Based on ordinary shares 473 b) Based on ordinary shares specifically issued for employee/management compensation programs 474 c) Others 475
Others 476
ii. Deductive factors -/- 454

Other comprehensive income 19. Other comprehensive income
a. Adjustments due to financial statement translation a.
i. Additive factors 436
ii. Deductive factors -/- 437
b. b. Filled by Bank (part of 440 or 445)
c. Cash flow hedges c. Cash flow hedges Filled by Bank (part of 440 or 445)
d. Gain on revaluation of fixed assets d. Revaluation surplus of fixed assets 456 e. Share of other comprehensive income from associates e. Share of other comprehensive income from associates Filled by Bank (part of 440 or 445) f. f. Filled by Bank (part of 440 or 445) g. Income tax related to other comprehensive income g. Income tax related to other comprehensive income Filled by Bank (part of 440 or 445) h. Others h. Others Filled by Bank (part of 440 or 445)
Quasi-reorganization difference 4) 20. Quasi-reorganization difference Filled by Bank
Restructuring difference of entities under common control 5) 21. Restructuring difference of entities under common control 457
Other equity 22. Other equity 453 and 454 + part of 410 9)
Reserves 23. Reserves
a. General reserves a. General reserves 451 b. Specific reserves b. Specific reserves 452
Profit/Loss 24. Profit/Loss
a. Prior years a. Prior years
i. Profit 461
ii. Loss -/- 462
b. Current year b. Current year
i. Profit 465
ii. Loss -/- 466
TOTAL EQUITY ATTRIBUTABLE TO THE BANK
Non-controlling interests 6) 25. Minority interest (Minority interest) 398 (Consolidated LBU)
TOTAL EQUITY
TOTAL LIABILITIES AND EQUITY TOTAL LIABILITIES AND EQUITY 490 Notes:

: Filled by Banks having UUS.
Islamic financing includes, among others, Murabahah - net, Salam, Istishna - net, Qardh, Financing, Ijarah - net, Multi-service transactions - net.
: Inter-office assets and Inter-office liabilities are presented net in the Balance Sheet.
:
: Filled only until the relevant PSAK applies.
: Filled only in the Individual column.
: Filled only in the Consolidation column.
:
: Filled for loan capital components that can be counted as capital, including subordinated loans.
: Filled for loan capital components that can be included as equity items, including parts of subordinated securities issued by the Bank (subordinated securities with conversion option features), which meet equity criteria as regulated in the applicable PSAK, and preferred shares.
Filled for loan capital components that cannot be included as equity items, including parts of subordinated securities issued by the Bank (subordinated securities with conversion option features), which do not meet equity criteria as regulated in the applicable PSAK. Filled in the Individual column for Banks having UUS and/or in the Consolidation column if there is a Subsidiary Entity conducting leasing activities. Gain (loss) on remeasurement of defined benefit pension programs Remeasurement of defined benefit plans Adjustments due to financial statement translation Gain (loss) from changes in value of financial assets in the available for sale group Gain (loss) from changes in value of financial assets in the available for sale group No. BALANCE SHEET ITEM BALANCE SHEET ITEM LBU CODE PUBLICATION REPORT MONTHLY REPORT OF COMMERCIAL BANKS (LBU)

INCOME...
2. Quarterly Income Statement and Other Comprehensive Income Report
a. Report format
Bank :
Reporting Period :
No. Period Reporting Period Reporting Period Reporting Period Previous Year Report Previous Year Report INCOME AND OPERATING EXPENSES A. Interest Income and Expense

Interest Income
a. Rupiah b. Foreign currency
Interest Expense
a. Rupiah b. Foreign currency
Net Interest Income
a. Increase in fair value of financial assets
i. Securities
ii. Credit
iii. Spot and derivatives
iv. Other financial assets
b. Decrease in fair value of financial liabilities
c. Gain on sale of financial assets
i. Securities
ii. Credit
iii. Other financial assets
d. Gain on spot and derivative transactions (realised) e. f. g. h.
i. Other income
a. Decrease in fair value of financial assets
i. Securities
ii. Credit
iii. Spot and derivatives
iv. Other financial assets
b. Increase in fair value of financial liabilities
c. Loss on sale of financial assets
i. Securities
ii. Credit
iii. Other financial assets
d. Loss on spot and derivative transactions (realised) e. Impairment loss on financial assets (impairment)
i. Securities
ii. Credit
iii. Islamic financing
iv. Other financial assets
f. Loss related to operational risk g. h.
i. Impairment loss on other assets (non-financial)
j. Labor costs k. Promotion costs
l. Other costs
Net Non-Interest Income (Expense)
OPERATING PROFIT (LOSS)
Recovery of allowance for impairment losses
Non-Interest Operating Expenses
Loss from equity method investments
Commission/provision/fee and administration
Commission/provision/fee and administration
QUARTERLY INCOME STATEMENT AND OTHER COMPREHENSIVE INCOME REPORT (in millions of rupiah) INDIVIDUAL CONSOLIDATED ITEMS B. Non-Interest Operating Income and Expense Non-Interest Operating Income Dividends Gain from equity method investments

b. Guidelines ...
No. Period Reporting Period Reporting Period Reporting Period Previous Year Report Previous Year Report

Gain (loss) on sale of fixed assets and inventory
Gain (loss) on foreign currency transaction translation
Other non-operating income (expense)
NON-OPERATING PROFIT (LOSS)
CURRENT YEAR PROFIT (LOSS) BEFORE TAX
Income tax a. Estimate of current year tax b. Deferred tax income (expense) CURRENT YEAR NET PROFIT (LOSS)
Items That Will Not Be Reclassified to Profit or Loss
a. Gain on revaluation of fixed assets b.
c. Share of other comprehensive income from associates
d. Others e.
Items That Will Be Reclassified to Profit or Loss
a. b. c Effective portion of cash flow hedges d. Others e.
Current Year Net Profit (Loss) attributable to :

Owners
Non-Controlling Interests
TOTAL CURRENT YEAR NET PROFIT (LOSS)
Total Current Year Comprehensive Profit (Loss) attributable to :
Owners
Non-Controlling Interests
TOTAL CURRENT YEAR COMPREHENSIVE PROFIT (LOSS) TRANSFER OF PROFIT (LOSS) TO HEAD OFFICE 1) DIVIDENDS EARNINGS PER SHARE (in rupiah units) 2) Notes:

: Filled if there is a profit (loss) transfer from branch offices of a Bank located outside the country to the head office. 2) : Specifically for Banks that have gone public. Remeasurement of defined benefit plans Income tax related to items that will be reclassified to profit or loss OTHER COMPREHENSIVE INCOME FOR THE CURRENT YEAR AFTER TAX TOTAL CURRENT YEAR COMPREHENSIVE PROFIT (LOSS) Income tax related to items that will not be reclassified to profit or loss Adjustments due to financial statement translation in foreign currency Gain (loss) from changes in value of financial assets in the available for sale group OTHER COMPREHENSIVE INCOME (in millions of rupiah) INDIVIDUAL CONSOLIDATED ITEMS NON-OPERATING INCOME AND EXPENSE

c. Gain ...
CODE
LBU
INCOME AND OPERATING EXPENSES INCOME AND OPERATING EXPENSES A. Interest Income and Expense

Interest Income 1. Interest Income 1000
a. From Bank Indonesia 1020 b. From deposits at other banks
i. Demand deposits 1060
ii. Interbank call money 1070
iii. Savings 1080
iv. Time deposits 1090
v. Others 1150
c. From securities
i. From Bank Indonesia 1160
ii. From other banks 1170
iii. From third parties other than banks 1180
d. From loans granted
i. From other banks 1210
ii. From third parties other than banks 1220
e. Others
i. From Bank Indonesia 1250
ii. From other banks 1260
iii. From third parties other than banks 1270
iv. Head office/own branches outside Indonesia 1280
v. Head office/own branches in Indonesia 1290
f. Islamic financing 1295
Interest Expense 2. Interest Expense 1300
a. To Bank Indonesia 1310 b. Obligations to other banks
i. Demand deposits 1350
ii. Interbank call money 1360
iii. Savings 1370
iv. Time deposits 1380
v. Others 1440
c. To third parties other than banks
i. Demand deposits 1450
ii. Time deposits 1460
iii. Savings 1470
d. Securities
i. To Bank Indonesia 1530
ii. To other banks 1540
iii. To third parties other than banks 1550
e. Borrowings received
i. To other banks 1590
ii. To third parties other than banks 1600
f. Others
i. To Bank Indonesia 1630
ii. To other banks 1640
iii. To third parties other than banks 1650
iv. Head office/own branches outside Indonesia 1660
v. Head office/own branches in Indonesia 1670
g. Correction of interest income 1680
Net Interest Income (Expense) Net Interest Income (Expense) 1000 - 1300 B. Non-Interest Operating Income and Expense
Non-Interest Operating Income 1. Non-Interest Operating Income 1800
a. a.
i. Securities i. Securities 1810
ii. Credit ii. Credit 1900
iii. Spot and derivatives iii. Spot and derivatives

Forward 2080
Futures 2085
Swap 2090
Option 2095
Spot 2100
Others 2120
iv. Other financial assets iv. Other financial assets 2000
b. b. 2075
QUARTERLY INCOME STATEMENT AND OTHER COMPREHENSIVE INCOME REPORT No. PROFIT/LOSS ITEM PROFIT/LOSS ITEM PUBLICATION REPORT PROFIT/LOSS ITEM MONTHLY REPORT OF COMMERCIAL BANKS (LBU) A. Interest Income and Expense Increase in fair value of financial assets Increase in fair value of financial assets (mark to market) Decrease in fair value of financial liabilities Decrease in fair value of financial liabilities (mark to market)

ii. Credit ...
CODE
LBU
c. Gain on sale of financial assets c. Gain on sale of financial assets
i. Securities i. Securities

Measured at fair value
a) Traded 1830 b) Designated to be measured at fair value 1840
Available for sale 1850
Held to maturity 1860
Loans granted and receivables 1870
ii. Credit ii. Credit
Measured at fair value
a) Traded 1930 b) Designated to be measured at fair value 1940
Available for sale 1950
Held to maturity 1960
Loans granted and receivables 1970
iii. Other financial assets iii. Other financial assets
Measured at fair value
a) Traded 2030 b) Designated to be measured at fair value 2040
Available for sale 2050
Held to maturity 2060
Loans granted and receivables 2070
d. Gain on spot and derivative transactions (realised) d. Gain on spot and derivative transactions (realised)
i. Forward 2125
ii. Futures 2130
iii. Swap 2135
iv. Option 2140
v. Spot 2145
vi. Others 2160
e. e. 2170 f. f. Gain from equity method investments 2180 g. g. Commission/provision/fee and administration
i. Credit commission/provision 2190
ii. Commission/provision from derivative transactions 2200
iii. Fee on managed loans 2210
iv. Fee on cash management services 2220
v. Others 2260
h. h.
i. Financial assets 2270
ii. Other assets 2280
iii. Miscellaneous assets 2290
i. Other income i. Other income 2430

Non-Interest Operating Expenses 2. Non-Interest Operating Expenses 2500
a. Decrease in fair value of financial assets a. Decrease in fair value of financial assets (mark to market)
i. Securities i. Securities 2530
ii. Credit ii. Credit 2640
iii. Spot and derivatives iii. Spot and derivatives

Forward 2920
Futures 2925
Swap 2930
Option 2935
Spot 2940
Others 2960
iv. Other financial assets iv. Other financial assets 2740
b. b. 2820
c. Loss on sale of financial assets c. Loss on sale of financial assets
i. Securities i. Securities
Measured at fair value
a) Traded 2560 b) Designated to be measured at fair value 2570
Available for sale 2580
Held to maturity 2590
Loans granted and receivables 2600
Commission/provision/fee and administration
Recovery of allowance for impairment losses
Correction of allowance for impairment losses
Increase in fair value of financial liabilities Increase in fair value of financial liabilities (mark to market) No. PROFIT/LOSS ITEM PROFIT/LOSS ITEM PUBLICATION REPORT PROFIT/LOSS ITEM MONTHLY REPORT OF COMMERCIAL BANKS (LBU) Dividends Dividends Gain from equity method investments

k. Expense ...
CODE
LBU
ii. Credit ii. Credit

Measured at fair value
a) Traded 2670 b) Designated to be measured at fair value 2680
Available for sale 2690
Held to maturity 2700
Loans granted and receivables 2710
iii. Other financial assets iii. Other financial assets
Measured at fair value
a) Traded 2770 b) Designated to be measured at fair value 2780
Available for sale 2790
Held to maturity 2800
Loans granted and receivables 2810
d. Loss on spot and derivative transactions (realised) d. Loss on spot and derivative transactions (realised)
i. Forward 2965
ii. Futures 2970
iii. Swap 2975
iv. Option 2980
v. Spot 2985
vi. Others 3000
e. Impairment loss on financial assets (impairment) e. Impairment loss on financial assets (impairment)
i. Securities i. Securities 3190
ii. Credit ii. Credit 3220
iii. Islamic financing 1) iii. Islamic financing 3225 (Combined UUS LBU)
iv. Other financial assets iv. Other financial assets
Interbank fund placements 3170
Derivative receivables 3180
Reverse repo receivables 3200
Acceptance receivables 3210
Investments 3230
Others 3300
f. Loss related to operational risk f. i. Provision for operational risk losses 2) 3320
ii. Loss related to operational risk 3)
Internal fraud 3560
External crime 3561
Employment practices and workplace safety 3562
Clients, products, and business practices 3563
Physical asset damage 3564
Business disruption and system failures 3565
Execution, delivery, and process management 3570
g. g. 3010 h. Commission/provision/fee and administration h. Commission/provision/fee and administration
i. Credit commission/provision 3020
ii. Commission/provision from derivative transactions 3030
iii. Fee on managed loans 3040
iv. Others 3100
i. Impairment loss on other assets i. i. Impairment loss on other assets (non-financial)
Intangible assets Filled by Bank (part of 3420)
Fixed assets and inventory Filled by Bank (part of 3430)
Vacant properties Filled by Bank (part of 3440)
Foreclosed assets Filled by Bank (part of 3450)
Suspense accounts Filled by Bank (part of 3460)
Inter-office Filled by Bank (part of 3470)
Others Filled by Bank (part of 3550)
ii. Impairment loss on miscellaneous assets Filled by Bank (part of 3555)
j. Labor costs j. Labor costs
i. Directors' salaries 3644
ii. Non-Directors' salaries and wages 3645
iii. Commissioners/Supervisory Board honorariums 3650
iv. Others 3690
k. Promotion costs k. Promotion costs 3850
Loss from equity method investments Loss from equity method investments No. PROFIT/LOSS ITEM PROFIT/LOSS ITEM PUBLICATION REPORT PROFIT/LOSS ITEM MONTHLY REPORT OF COMMERCIAL BANKS (LBU)

Report ...
CODE
LBU
l. Other costs l. i. Insurance premiums

Credit 3110
Third-party fund guarantees 3120
Operational losses 3130
Others 3160
ii. Depreciation and amortization
Fixed assets and inventory 3340
Ijarah assets 3345 (Combined UUS LBU)
Deferred expenses 3350
Intangible assets 3360
Others 3400
iii. Credit restructuring losses 3410
iv. Education and training 3700
v. Research and development 3750
vi. Rent 3800
vii. Taxes (excluding income tax) 3900
viii. Maintenance and repairs 3950
ix. Goods and services
4000
Others 4010
x. Others 4050
Net Non-Interest Income (Expense) 1800 - 2500
OPERATING PROFIT (LOSS) 4150 or 4200
NON-OPERATING INCOME (EXPENSE)

Gain (loss) on sale of fixed assets and inventory 4220 - 4310
Gain (loss) on foreign currency transaction translation 4240 - 4330
Other non-operating income (expense) Non-operating income (expense)
a. Rent 4210 b. Receipts from operational loss insurance claims 4250
c. Others 4300 - 4400
NON-OPERATING PROFIT (LOSS) 4450 or 4500
CURRENT YEAR PROFIT (LOSS) BEFORE TAX 4550 or 4600 Income tax a. Estimate of current year tax -/- 4935 b. Deferred tax income (expense) 4940 or 4945 4550 - 4600 - 4935 + 4940 - 4945 OTHER COMPREHENSIVE INCOME
Items That Will Not Be Reclassified to Profit or Loss
a. Gain on revaluation of fixed assets Filled by Bank b. Remeasurement of defined benefit plans Filled by Bank
c. Share of other comprehensive income from associates Filled by Bank
d. Others Filled by Bank e. Income tax related to items that will not be reclassified to profit or loss Filled by Bank
Items That Will Be Reclassified to Profit or Loss
a. Filled by Bank b. Filled by Bank
c. Effective portion of cash flow hedges Filled by Bank
d. Others Filled by Bank e. Filled by Bank
CURRENT YEAR OTHER COMPREHENSIVE INCOME AFTER TAX TOTAL CURRENT YEAR COMPREHENSIVE PROFIT (LOSS) Current Year Profit (Loss) attributable to :
Owners Filled by Bank
Non-Controlling Interests Filled by Bank
TOTAL CURRENT YEAR PROFIT (LOSS)
Total Current Year Comprehensive Profit (Loss) attributable to :
Owners Filled by Bank
Non-Controlling Interests Filled by Bank
TOTAL CURRENT YEAR COMPREHENSIVE PROFIT (LOSS) TRANSFER OF PROFIT (LOSS) TO HEAD OFFICE 4850 or 4900 DIVIDENDS EARNINGS PER SHARE (in rupiah units) Notes:

: Filled by Banks having UUS.
: Filled with the amount of the provision formation expense to anticipate potential losses that may arise from operational risk.
: Filled with the amount of operational risk losses (loss) that have already occurred in a certain amount.
Adjustments due to financial statement translation in foreign currency Gain (loss) from changes in value of financial assets in the available for sale group Income tax related to items that will be reclassified to profit or loss No. PROFIT/LOSS ITEM PROFIT/LOSS ITEM PUBLICATION REPORT PROFIT/LOSS ITEM MONTHLY REPORT OF COMMERCIAL BANKS (LBU) CURRENT YEAR NET PROFIT (LOSS) Technology, System, and Information Processing Services (TSI)

b. Guidelines ...
3. Commitment and Contingency Report
a. Report Format
Bank:
Report Date:
No. Position 31 December Position 31 December
Report Date Previous Year Report Date Previous Year I

Undrawn loan facilities
a. Rupiah b. Foreign currency
Outstanding spot purchase and derivative positions
Others
II COMMITMENT OBLIGATIONS
Undrawn credit facilities to customers
a. State-Owned Enterprises (BUMN)
i. Committed

Rupiah
Foreign currency
ii. Uncommitted
Rupiah
Foreign currency
b. Others
i. Committed
ii. Uncommitted

Undrawn credit facilities to other banks
a. Committed
i. Rupiah
ii. Foreign currency
b. Uncommitted
i. Rupiah
ii. Foreign currency
Outstanding irrevocable L/C
a. Foreign L/C b. Domestic L/C
Outstanding spot sale and derivative positions
Others
III. CONTINGENT ASSETS
Received guarantees
a. Rupiah b. Foreign currency
Accrued interest income
a. Interest on granted loans b. Other interest
Others
IV. CONTINGENT LIABILITIES
Provided guarantees
a. Rupiah b. Others
COMMITMENT ASSETS
QUARTERLY COMMITMENT AND CONTINGENCY REPORT
(in millions of Rupiah)
INDIVIDUAL CONSOLIDATED
POSITIONS
Report ...
I COMMITMENT ASSETS COMMITMENT ASSETS
Undrawn loan facilities 1. Undrawn loan facilities 495
Outstanding spot purchase and derivative positions 2. Outstanding spot purchase and derivative positions 521
Others 3. Others
a. Related to banks 525 b. Not related to banks 529 II COMMITMENT OBLIGATIONS
Undrawn credit facilities to customers 1. Undrawn credit facilities to customers
a. BUMN a. BUMN
i. Committed i. Committed 533
ii. Uncommitted ii. Uncommitted 535
b. Others b. Others
i. Committed i. Committed 536
ii. Uncommitted ii. Uncommitted 538
Undrawn credit facilities to other banks 2. Undrawn credit facilities to other banks
a. Committed a. Committed 542 b. Uncommitted b. Uncommitted 544
Outstanding irrevocable L/C 3. Outstanding irrevocable L/C
a. Foreign L/C a. Foreign L/C 561 b. Domestic L/C b. Domestic L/C 562
Outstanding spot sale and derivative positions 4. Outstanding spot sale and derivative positions 570
Others 5. Others 589
III. CONTINGENT ASSETS
Received guarantees 1. Received guarantees 591
Accrued interest income 2. Accrued interest income
a. Interest on granted loans a. Interest on granted loans 592 b. Other interest b. Other interest 597
Others 3. Others 598
IV. CONTINGENT LIABILITIES
Provided guarantees 1. Provided guarantees 599
Others 2. Others 609
GUIDELINES FOR PREPARING QUARTERLY COMMITMENT AND CONTINGENCY REPORTS No. COMMITMENT AND CONTINGENCY POSITIONS COMMITMENT AND CONTINGENCY POSITIONS CODE PUBLICATION REPORT MONTHLY REPORT OF CONVENTIONAL BANKS (LBU) LBU CONTINGENT LIABILITIES CONTINGENT ASSETS

b. Guidelines ...
4. Quarterly Minimum Capital Requirement Calculation Report for Conventional Commercial Banks
a. Report Format
Bank:
Report Date:
Individual Consolidated Individual Consolidated I

Core Capital/Common Equity Tier 1 (CET 1)
1.1 Paid-in Capital (after deducting Treasury Stock)
1.2 Additional Capital Reserves *)
1.2.1 Additive Factors
1.2.1.1 Other comprehensive income
1.2.1.1.1 Translation difference of financial statements
1.2.1.1.2 Potential profit from fair value increase of financial assets in the available-for-sale category
1.2.1.1.3 Fixed asset revaluation surplus balance
1.2.1.2 Other additional capital reserves (other disclosed reserves)
1.2.1.2.1 Agio
1.2.1.2.2
1.2.1.2.3 Retained earnings of previous years
1.2.1.2.4 Current year profit
1.2.1.2.5 Capital contribution funds
1.2.1.2.6 Others
1.2.2 Deductive Factors
1.2.2.1 Other comprehensive income
1.2.2.1.1 Translation difference of financial statements (loss)
1.2.2.1.2 Potential loss from fair value decrease of financial assets in the available-for-sale category
1.2.2.2 Other additional capital reserves (other disclosed reserves)
1.2.2.2.1 Disagio
1.2.2.2.2 Retained losses of previous years
1.2.2.2.3 Current year loss
1.2.2.2.4
1.2.2.2.5
1.2.2.2.6
1.2.2.2.7 Others
1.3 Non-controlling interests that can be calculated
1.4 Core Capital Deductive Factors *)
1.4.1 Deferred tax calculation
1.4.2 Goodwill
1.4.3 All other intangible assets
1.4.4 Investments calculated as deductive factors
1.4.5 Capital deficiency in insurance subsidiary companies
1.4.6 Securitization exposure
1.4.7 Other core capital deductive factors
1.4.7.1 Funds placed on AT 1 and/or Tier 2 instruments in other banks
1.4.7.2 Cross-holdings in other entities obtained through legal transfer, donation, or testamentary bequest
2.1 Instruments meeting AT 1 requirements
2.2 Agio/Disagio
2.3 Additional Capital Deductive Factors *)
2.3.1 Funds placed on AT 1 and/or Tier 2 instruments in other banks
2.3.2 Cross-holdings in other entities obtained through legal transfer, donation, or testamentary bequest
II
4.1 Sinking Fund
4.2 Funds placed on Tier 2 instruments in other banks
4.3 Cross-holdings in other entities obtained through legal transfer, donation, or testamentary bequest
Individual Consolidated Individual Consolidated Individual Consolidated Individual Consolidated RISK-WEIGHTED ASSETS MINIMUM CAPITAL REQUIREMENT RATIO RISK-WEIGHTED ASSETS CREDIT RISK CET 1 Ratio (%) RISK-WEIGHTED ASSETS MARKET RISK Tier 1 Ratio (%) RISK-WEIGHTED ASSETS OPERATIONAL RISK Tier 2 Ratio (%) TOTAL RISK-WEIGHTED ASSETS KPMM Ratio (%) KPMM RATIO ACCORDING TO RISK PROFILE (%) CET 1 FOR BUFFER (%) From CET 1 (%) Capital Conservation Buffer (%) From AT 1 (%) Countercyclical Buffer (%) From Tier 2 (%) Capital Surcharge for Systemic Banks (%) Note:
*) : Detailed presentation may be omitted if the value is zero.
ALLOCATION OF KPMM COMPLIANCE ACCORDING TO RISK PROFILE PERCENTAGE OF BUFFER REQUIRED TO BE MET BY BANK (%) Report Date Position Report Date Position Previous Year Report Date Position Report Date Position Previous Year General reserves TOTAL CAPITAL Difference between Asset Impairment Provisions (PPA) and Provision for Asset Value Decline (CKPN) on productive assets Difference in fair value adjustment of financial instruments in the Trading Book PPA for non-productive assets that must be formed Additional Capital/Additional Tier 1 (AT 1) *) Supplementary Capital (Tier 2) Capital instruments in the form of shares or other instruments meeting Tier 2 requirements Agio/Disagio General reserves PPA for productive assets that must be formed (maximum 1.25% of Risk-Weighted Assets for Credit Risk) Supplementary Capital Deductive Factors *) Core Capital (Tier 1) QUARTERLY MINIMUM CAPITAL REQUIREMENT CALCULATION REPORT FOR CONVENTIONAL COMMERCIAL BANKS (in millions of Rupiah) CAPITAL COMPONENTS Report Date Position Report Date Position Previous Year Report Date Position Report Date Position Previous Year

1.4.6 Securitization ...
+/- FORM LBU COLUMN CODE LBU DESCRIPTION
I 1 Core Capital (CET 1) 1.1 Paid-in Capital (after deducting treasury stock) +/+ a Ordinary shares 38 1 b Preferred shares 38 Part of 6+7 Only covers preferred shares whose preferences are not related to returns (e.g., preference for selecting directors). 1.2 Additional Capital Reserves (Disclosed Reserve) +/+
1.2.1 Additive Factors
1.2.1.1 Other comprehensive income 1.2.1.1.1 Translation difference of financial statements +/+ 01 436
1.2.1.1.2 +/+ 40 05+06+07+15
1.2.1.1.3 Fixed asset revaluation surplus balance +/+ 01 456
1.2.1.2 Other additional capital reserves (other disclosed reserves) 1.2.1.2.1 +/+ 38 Column amount for code 1 Only for agio originating from the issuance of CET 1.
1.2.1.2.2 General reserves +/+ 01 451
1.2.1.2.3 Retained earnings of previous years
a. Retained earnings of previous years +/+ Retained earnings of previous years after considering estimated taxes and deducting dividend payments. b. +/- 02 accumulation 2820 or 2075 Data obtained from the P/L Report of previous years. Code 2820 is used when there is an increase in fair value of liabilities (as a deductive factor in the P/L Report), and code 2075 is used when there is a decrease in fair value of liabilities (as an additive factor in the P/L Report).
c. -/- 02 Data obtained from the P/L Report of previous years, which is included in code 1830 or 1870 (for securities), and code 1930 or 1970 (for loans granted). 1.2.1.2.4 Current year profit
a. Current year profit +/+ Current year profit after considering estimated taxes and deducting dividend payments. b. +/- 02 2820 or 2075 Code 2820 is used when there is an increase in fair value of liabilities (as a deductive factor in the P/L Report), and code 2075 is used when there is a decrease in fair value of liabilities (as an additive factor in the P/L Report).
c. -/- 02 As a reference, Form P/L code 1830 or 1870 (for securities), and code 1930 or 1970 (for loans granted) can be used. 1.2.1.2.5 Capital contribution funds +/+ 01 455
1.2.1.2.6 Others Based on approval from the Financial Services Authority. 1.2.2 Deductive Factors
1.2.2.1 Other comprehensive income 1.2.2.1.1 Translation difference of financial statements (loss) -/- 01 437
1.2.2.1.2 -/- 40 52+53+54+65
1.2.2.2 Other additional capital reserves (other disclosed reserves) 1.2.2.2.1 -/- 38 Column amount for code 1 Only for disagio originating from the issuance of CET 1.
1.2.2.2.2 Retained losses of previous years -/- 1.2.2.2.3 Current year loss -/- 1.2.2.2.4 -/- PPA calculation refers to applicable regulations regarding the Quality Assessment of Assets of Commercial Banks. 1.2.2.2.5 -/- Filled when fair value in the trading book does not reflect the actual situation. 1.2.2.2.6 PPA for non-productive assets that must be formed -/- PPA calculation refers to applicable regulations regarding the Quality Assessment of Assets of Commercial Banks. 1.2.2.2.7 Others Based on approval from the Financial Services Authority. 1.3 Non-controlling interests that can be calculated +/+ consolidated balance sheet
398 Must meet other requirements, and calculated in the consolidated balance sheet. 1.4 Core Capital Deductive Factors -/- 1.4.1 Deferred tax calculation In individual KPMM calculations, deferred taxes issued are the difference between deferred tax assets (LBU Form 01 Code 228) minus deferred tax liabilities (LBU Form 01 Code 396) after deducting deferred tax liabilities related to goodwill and other intangible assets. If deferred tax liabilities > deferred tax assets, fill with 0. In consolidated KPMM calculations, deferred taxes must be calculated and deducted separately for each entity. 1.4.2 Goodwill Goodwill (LBU Form 14 Code 152) minus deferred tax liabilities related to goodwill. 1.4.3 All other intangible assets All intangible assets other than goodwill (LBU Form 14 Code 150+151+160) minus deferred tax liabilities related to all intangible assets other than goodwill. 1.4.4 Investments calculated as deductive factors I.1 4111 to 4119, 5110, 7110, 7210, 7310 Insurance companies VI and I.1 Purpose of Investment 1, except for 4111 to 4119, 5110, 7110, 7210, 7310 Column I.1 code except 4111 to 4119, 5110, 7110, 7210, 7310 and Column VI code 1 VI and I.1 Purpose of Investment 2, except for 4111 to 4119, 5110, 7110, 7210, 7310 Column I.1 code except 4111 to 4119, 5110, 7110, 7210, 7310 and Column VI code 2 VI, I.1, and VIII Purpose of Investment 9, except for 4111 to 4119, 5110, 7110, 7210, 7310 , Investment Share >20% <=50% Column I.1 code except 4111 to 4119, 5110, 7110, 7210, 7310, Column VI code 2, Column VIII > 20% <=50%
1.4.5 Capital deficiency in insurance subsidiary companies Filled by Bank
(only in consolidated KPMM ratio calculations) Agio QUARTERLY MINIMUM CAPITAL REQUIREMENT CALCULATION REPORT FOR CONVENTIONAL COMMERCIAL BANKS *) CAPITAL COMPONENTS Core Capital (1 + 2) Potential profit from fair value increase of financial assets in the available-for-sale category Difference in fair value adjustment of financial instruments in the Trading Book Increase/decrease in fair value of financial liabilities Profit from asset sales in securitization transactions Increase/decrease in fair value of financial liabilities Profit from asset sales in securitization transactions Potential loss from fair value decrease of financial assets in the available-for-sale category Disagio Difference between Asset Impairment Provisions (PPA) and provision for asset value decline on productive assets Purpose of Investment (column VI) code 1,2,9; Quality (column V) code 2,3,4,5; column I.1 code 4111 to 4119, 5110, 7110, 7210, 7310, Column XII Purpose of Investment 1; Quality (column V) code 2,3,4,5; except for 4111 to 4119, 5110, 7110, 7210, 7310, Column XII Purpose of Investment 2; Quality (column V) code 2,3,4,5; except for 4111 to 4119, 5110, 7110, 7210, 7310 , Column XII Purpose of Investment 9; Quality (column V) code 2,3,4,5; except for 4111 to 4119, 5110, 7110, 7210, 7310 , Investment Share (column VIII) >20% but <=50%, Column XII

Asset ...
+/- FORM LBU COLUMN CODE LBU DESCRIPTION
1.4.6 Securitization exposure a Provision of Credit Facilities
i As the primary risk bearer (first loss) Filled by Bank. ii Filled by Bank. b Filled by Bank. c Funds placed in Asset-Backed Securities (EBA) i Junior tranche Filled by Bank. ii Filled by Bank. d Filled by Bank.
1.4.7 Other core capital deductive factors 1.4.7.1 Funds placed on debt instruments of other banks recognized as AT 1 and/or Tier 2 components by other banks (issuing banks), becoming a capital deductive factor on CET 1 when AT 1 and Tier 2 are insufficient. 1.4.7.2 Cross-holdings on CET 1 instruments, as long as not transferred to other parties, becoming a capital deductive factor on CET 1. Regulations regarding cross-holdings refer to the Law on Limited Liability Companies.
2 Additional Capital (AT 1) +/+
2.1 Instruments meeting AT 1 requirements +/+
38 6 + 7 + 12 Assumptions in other positions are non-cumulative, call option above 5 years, having return preferences but return acquisition is not guaranteed. 37 095 + 098 Only covers non-cumulative preferred shares having return preferences but return acquisition is not guaranteed. b 37 021+023+024+029+030 c 37 061+063+064+069+070 d Filled by Bank.
2.2 Agio / Disagio
a +/+ 38 Column amount for code 6, 7, 12 Only for agio originating from the issuance of instruments classified as additional capital. b Disagio -/- 38 Column amount for code 6, 7, 12 Only for disagio originating from the issuance of instruments classified as additional capital. 2.3 -/- 2.3.1 Funds placed on debt instruments of other banks recognized as AT 1 and/or Tier 2 components by other banks (issuing banks), becoming a capital deductive factor on AT 1 when Tier 2 is insufficient. 2.3.2 Cross-holdings on AT 1 instruments, as long as not transferred to other parties, becoming a capital deductive factor on AT 1 and/or CET 1. Regulations regarding cross-holdings refer to the Law on Limited Liability Companies. II 1 +/+ 38 3+4 + 10 + 13 37 091+094 b 37 011+013+014+020+031+033+ 034+039+040+041+043+044+ 049+050 c 37 051+053+054+060+071+073+ 074+079+080+081+083+084+ 089+090 d 37 110 e Filled by Bank f Filled by Bank a Agio +/+ 38 Column amount for code 3, 4, 10, 13 Only for agio originating from the issuance of instruments classified as supplementary capital. b Disagio -/- 38 Column amount for code 3, 4, 10, 13 Only for disagio originating from the issuance of instruments classified as supplementary capital. 3 +/+ a General reserves PPA b General reserves PPA Administrative Account Transactions 4 Supplementary Capital Deductive Factors -/- 4.1 Sinking Fund
4.2 Funds placed on debt instruments of other banks recognized as Tier 2 components by other banks (issuing banks), becoming a capital deductive factor on Tier 2, AT 1, and/or CET 1. 4.3 Cross-holdings on Tier 2 instruments, as long as not transferred to other parties, becoming a capital deductive factor on Tier 2, AT 1, and/or CET 1. Regulations regarding cross-holdings refer to the Law on Limited Liability Companies.
Note: *)
CAPITAL COMPONENTS a Preferred shares (non-cumulative), after deducting repurchases Credit Facilities that do not meet requirements Funds placed on AT 1 and/or Tier 2 instruments in other banks Provision of Liquidity Facilities that do not meet requirements Repurchase of EBA exceeding 10% limit of Financial Asset Value transferred Provision of facilities exceeding 20% of Financial Asset Value transferred Funds placed on AT 1 and/or Tier 2 instruments in other banks Cross-holdings in other entities obtained through legal transfer, donation, or testamentary bequest Subordinated securities (perpetual non-cumulative), after deducting repurchases Subordinated loans (perpetual non-cumulative), after deducting repurchases Issuance of AT 1 by subsidiary companies (banks and non-banks) purchased by other parties (consolidation) Agio Additional Capital Deductive Factors Agio or disagio Cross-holdings in other entities obtained through legal transfer, donation, or testamentary bequest Supplementary Capital (Tier 2) Capital instruments in the form of shares or other instruments meeting Tier 2 requirements a Preferred shares (perpetual cumulative, non-perpetual), after deducting repurchases Subordinated securities (perpetual cumulative, non-perpetual), after deducting repurchases Subordinated loans (perpetual cumulative, non-perpetual), after deducting repurchases Mandatory convertible bonds Issuance of Tier 2 by subsidiary companies (banks and non-banks) purchased by other parties (consolidation) Amortization based on remaining term (-/-) : Position filling is based on applicable regulations regarding the minimum capital requirement obligations of Commercial Banks. General reserves PPA for productive assets that must be formed (maximum 1.25% of Risk-Weighted Assets for Credit Risk) Filled at 1% of total productive asset value. Funds placed on Tier 2 instruments in other banks Cross-holdings in other entities obtained through legal transfer, donation, or testamentary bequest TOTAL CAPITAL (I + II])

Ratio ...

Risk-Weighted Assets
This position is filled with Risk-Weighted Assets for Credit Risk, Risk-Weighted Assets for Market Risk, and Risk-Weighted Assets for Operational Risk as regulated in the provisions regarding the minimum capital requirement obligations of Commercial Banks.
KPMM Ratio
This position is filled with the actual KPMM Ratio owned by the Bank (Total Capital divided by Risk-Weighted Assets for Credit Risk, Market Risk, and Operational Risk).
KPMM Ratio according to Risk Profile
This position is filled with the KPMM Ratio according to Risk Profile as regulated in the provisions regarding the minimum capital requirement obligations of Commercial Banks.
Allocation of KPMM Compliance according to Risk Profile
This position represents the Bank's CET 1 Ratio, AT 1 Ratio, and Tier 2 Ratio allocated to meet the KPMM Ratio according to Risk Profile. Compliance with the KPMM Ratio according to Risk Profile is achieved through:
a. CET 1 Ratio (minimum 4.5%), prioritized so that allocated CET 1 is only at the required level, so that remaining CET 1 can be used to meet the Buffer; b. AT 1, considering the Tier 1 requirement (CET 1 + AT 1) minimum 6%; and
c. Tier 2, maximum equal to Tier 1.
Example 1:

Bank KPMM Ratio:
CET 1 : 8%
AT 1 : 2%
Tier 2 : 4%
KPMM Ratio according to Risk Profile: 10%
Then the Allocation of KPMM Compliance according to Risk Profile is as follows:
From CET 1 : 4.5% (minimum CET 1)
From AT 1 : 2% (minimum Tier 1 of 6% met from minimum CET 1 and AT 1)
From Tier 2 : 3.5%
Excess CET 1 of 3.5% can be used to meet the Buffer.
Example 2:
Bank KPMM Ratio:
CET 1 : 6%
AT 1 : 0%
Tier 2 : 5%

Report ...

KPMM Ratio according to Risk Profile: 10%
Then the Allocation of KPMM Compliance according to Risk Profile is as follows:
From CET 1 : 6% (Bank's CET 1 allocated at 6% to meet minimum Tier 1, because
the bank has no AT 1)
From AT 1 : 0%
From Tier 2 : 4%
The bank has no excess CET 1 that can be used to meet the Buffer.

CET 1 for Buffer
This position is filled with the CET 1 Ratio still available to meet the Buffer, after being used to meet the KPMM Ratio according to Risk Profile.
Percentage of Buffer Required to be Met by Bank
a. Capital Conservation Buffer (%)
Filled by banks required to form a Capital Conservation Buffer as regulated in the provisions regarding the minimum capital requirement obligations of Commercial Banks. b. Countercyclical Buffer (%) Filled by banks whose amount is determined by the competent authority as regulated in the provisions regarding the minimum capital requirement obligations of Commercial Banks.
c. Capital Surcharge for Systemic Banks (%)
Filled by banks required to form a capital surcharge for Systemic Banks as regulated in the provisions regarding the minimum capital requirement obligations of Commercial Banks and regulations regarding the designation of Systemically Important Banks and Capital Surcharge.

b. Guidelines ...

Minimum Capital Provisioning Obligation Calculation Report
Quarterly Report of Branches of Banks Located Abroad a. Report Format Bank:
Report Date:

COMPONENTS OF CAPITAL

No.	Item	Position as of Report Date	Position as of Report Date Previous Year
1.	Working Capital
1.1	Working Capital
1.2	Paid-in Capital
2.	Accumulated Profit (Loss) from Previous Years
3.	Current Year Profit (Loss)
4.	General Reserve
5.	Fixed Asset Revaluation Surplus Balance
6.	Other Comprehensive Income: Fair Value Increase of Financial Assets Available for Sale
7.
8.	Capital Deductions 1)
8.1	Other Comprehensive Income:
8.1.1	Translation Difference of Financial Statements
8.1.2	Potential Losses from Fair Value Decline of Financial Assets in Available-for-Sale Category
8.2	Shortfall between Provision for Asset Impairment (PPA) and Provision for Decline in Value of Productive Assets
8.3	Shortfall from Fair Value Adjustment of Financial Instruments in Trading Book
8.4	PPA on Non-Productive Assets that Must Be Formed
8.5	Deferred Tax Calculation
8.6	Goodwill
8.7	All Other Intangible Assets
8.8	Capital Shortfall in Insurance Subsidiaries
8.9	Securitization Exposure
8.10	Funds Placed in AT1 and/or Tier 2 Instruments Issued by Other Banks
8.11
8.12	Others

RISK-WEIGHTED ASSETS (RWA)

Item	Position as of Report Date	Position as of Report Date Previous Year
RWA Credit Risk
RWA Market Risk
RWA Operational Risk
TOTAL RWA
Capital Conservation Buffer (%)
Countercyclical Buffer (%)
Capital Surcharge for Systemically Important Banks (%)

Minimum Capital Provisioning Ratio by Risk Profile (%)

Item	Position as of Report Date	Position as of Report Date Previous Year
Working Capital for Buffer (%) 2)
Percentage of Buffer Required to Be Met by Bank (%)
General Reserve
Provision for Asset Impairment (PPA) on Productive Assets that Must Be Formed (Max 1.25% of Credit Risk RWA)
Cross-Ownership in Other Entities Acquired via Legal Transfer, Gift, or Bequest
TOTAL CAPITAL
Other Comprehensive Income: Potential Gains from Fair Value Increase of Financial Assets in Available-for-Sale Category

QUARTERLY MINIMUM CAPITAL PROVISIONING OBLIGATION CALCULATION REPORT BRANCHES OF BANKS LOCATED ABROAD (in millions of Rupiah)

No.	COMPONENTS OF CAPITAL	+/-	FORM LBU	LBU CODE	SUB CODE	NOTES
LIABILITIES
i. Demand Deposits	+/+	35	II	010	000
ii. Call Money	+/+	35	II	015	000
iii. Deposits on Call	+/+	35	II	020	000
iv. Time Deposits	+/+	35	II	025	000
v. Certificates of Deposit	+/+	35	II	030	000
vi. Securities	+/+	35	II	050	000
vii. Borrowed Funds	+/+	35	II	060	000
viii. Accrued Interest/Profit Sharing Expenses	+/+	35	II	088+089+090+095	000
ix. Others	+/+	35	II	099	000
ASSETS
i. Demand Deposits	-/-	20	II	010	000 and 999
ii. Call Money	-/-	20	II	015	000 and 999
iii. Deposits on Call	-/-	20	II	025	000 and 999
iv. Time Deposits	-/-	20	II	030	000 and 999
v. Certificates of Deposit	-/-	20	II	035	000 and 999
vi. Securities	-/-	20	II	050	000 and 999
vii. Loans	-/-	20	II	060	000 and 999
viii. Working Capital	-/-	20	II	065	000 and 999
ix. Accrued Interest Income	-/-	20	II	088+089+090+095
x. Placements with Sister Companies	-/-				Data filled manually.
xi. Others	-/-	20	II	099	000 and 999
1.2. Paid-in Capital	+/+	38	III	1+3+4+6+7+9
2. Accumulated Profit (Loss) from Previous Years	+/-	01	461 - 462			Profit from previous years after tax (461) - Loss from previous years (462).
2.1	Accumulated +/- 02	2820 or 2075				Data obtained from Previous Years' P&L Statement. Code 2820 is used when there is an increase in fair value of liabilities (as a deduction factor in P&L), and code 2075 is used when there is a decrease in fair value of liabilities (as an addition factor in P&L).
2.3	Gain on Sale of Assets in Securitization Transactions	-/-				Data obtained from Previous Years' P&L Statement, included in codes 1830 or 1870 (for securities), and codes 1930 or 1970 (for loans given).
3. Current Year Profit (Loss)	+/-	02	4950 - 5000			Current year profit after estimated tax (4950) - Current year loss (5000).
3.1	+/- 02	2820 or 2075				Code 2820 is used when there is an increase in fair value of liabilities (as a deduction factor in P&L), and code 2075 is used when there is a decrease in fair value of liabilities (as an addition factor in P&L).
3.3	-/-					As a reference, Form P&L codes 1830 or 1870 (for securities), and codes 1930 or 1970 (for loans given) can be used.
4. General Reserve	+/+	01	451
5. Fixed Asset Revaluation Surplus Balance	+/+	01	456
6.	+/+	40	05+06+07+15
7.	+/+
8. Capital Deductions	-/-
8.1		01	437
8.1.1		40	52+53+54+65
8.2	PPA Calculation refers to applicable regulations on Bank Asset Quality Assessment.
8.3	Filled if fair value in trading book does not reflect actual conditions.
8.4	PPA Calculation refers to applicable regulations on Bank Asset Quality Assessment.
8.5	Deferred Tax Calculation					Surplus of deferred tax assets (LBU Form 01 Code 228) minus deferred tax liabilities (LBU Form 01 Code 396) after deducting deferred tax liabilities related to goodwill and other intangible assets. If deferred tax liabilities > Deferred Tax Assets, fill with 0.
8.6	Goodwill					Goodwill (LBU Form 14 Code 152) minus deferred tax liabilities related to goodwill.
8.7	All Other Intangible Assets					All intangible assets other than goodwill (LBU Form 14 Code 150+151+160) minus deferred tax liabilities related to all intangible assets other than goodwill.
8.8	Capital Shortfall in Insurance Subsidiaries
8.9	Securitization Exposure
a. Provision of Credit Support Facilities
i. As primary risk bearer (first loss)	-/-
ii. Credit Support Facilities not meeting requirements	-/-
b. Provision of Liquidity Facilities not meeting requirements	-/-
c. Placements in Asset-Backed Securities (ABS)
i. Junior tranche	-/-
ii.	-/-
d.	-/-
8.10	Funds Placed in Debt Instruments of Other Banks Recognized as Capital Components by Other Banks (Issuing Banks) become capital deductions.
8.11	Cross-ownership in capital instruments, as long as not transferred to third parties, becomes a capital deduction. Regulations on cross-ownership refer to the Company Law.
8.12	Based on approval by the Financial Services Authority.
TOTAL CAPITAL						Sum of items 1 to 7 minus item 8

INCREASE OR DECREASE IN FAIR VALUE OF FINANCIAL LIABILITIES

Item	+/-	FORM LBU	LBU CODE	SUB CODE	TOTAL	NOTES
Accumulated Profit (Loss) from Previous Years
Increase or Decrease in Fair Value of Financial Liabilities
Current Year Profit (Loss)
Current Year Profit/Loss
PPA on Non-Productive Assets that Must Be Formed
Gain on Sale of Assets in Securitization Transactions
Other Comprehensive Income: Potential Gains from Fair Value Increase of Financial Assets in Available-for-Sale Category
General Reserve
Provision for Asset Impairment (PPA) on Productive Assets that Must Be Formed (Max 1.25% of Credit Risk RWA)
Other Comprehensive Income: Translation Difference of Financial Statements
Potential Losses from Fair Value Decline of Financial Assets in Available-for-Sale Category
Shortfall between PPA and Provision for Decline in Value of Productive Assets
Shortfall from Fair Value Adjustment of Financial Instruments in Trading Book
Cross-Ownership in Other Entities Acquired via Legal Transfer, Gift, or Bequest
Others
Purchase of ABS Exceeding 10% Limit of Transferred Financial Asset Value
Provision of Facilities Exceeding 20% of Transferred Financial Asset Value
Funds Placed in AT1 and/or Tier 2 Instruments Issued by Other Banks

Report ...
Risk-Weighted Assets
This item is filled with Credit Risk RWA, Market Risk RWA, and Operational Risk RWA as regulated in the provisions regarding minimum capital provisioning obligations for Commercial Banks.
Minimum Capital Provisioning Ratio
This item is filled with the Bank's actual Minimum Capital Provisioning Ratio (Total Capital divided by RWA for Credit Risk, Market Risk, and Operational Risk).
Minimum Capital Provisioning Ratio by Risk Profile
This item is filled with the Minimum Capital Provisioning Ratio by Risk Profile as regulated in the provisions regarding minimum capital provisioning obligations for Commercial Banks.
Working Capital for Buffer
This item is filled with the portion of Working Capital placed in CEMA (expressed as a percentage of RWA) available to meet the Buffer. Formula:
(Working Capital portion placed in CEMA / RWA) x 100%
Percentage of Buffer Required to Be Met by Bank
a. Capital Conservation Buffer
Filled by Banks required to form a Capital Conservation Buffer as regulated in the provisions regarding minimum capital provisioning obligations for Commercial Banks. b. Countercyclical Buffer Filled by Banks whose amount is determined by the competent authority as regulated in the provisions regarding minimum capital provisioning obligations for Commercial Banks.

INFORMATION ...

Quarterly Report on Productive Asset Quality and Other Information
a. Report Format
Bank: Report Date:

No.	ITEMS	INDIVIDUAL	COLLECTIVE	GENERAL	SPECIAL	TOTAL	INDIVIDUAL	COLLECTIVE	GENERAL	SPECIAL	TOTAL
I. RELATED PARTIES
1. Placements with Other Banks
a. Rupiah
b. Foreign Currency
2. Spot and Derivative Receivables
a. Rupiah
b. Foreign Currency
3. Securities
a. Rupiah
b. Foreign Currency
4.
a. Rupiah
b. Foreign Currency
5.
a. Rupiah
b. Foreign Currency
6. Acceptance Receivables
7. Loans
a.
i. Rupiah
ii. Foreign Currency
b. Non-SME Debtors
i. Rupiah
ii. Foreign Currency
c. Restructured Loans
i. Rupiah
ii. Foreign Currency
d. Property Loans
8. Participations
9.
10.
11. Commitments and Contingencies
a. Rupiah
b. Foreign Currency
12. Acquired Assets
II. UNRELATED PARTIES
1. Placements with Other Banks
a. Rupiah
b. Foreign Currency
2. Spot and Derivative Receivables
a. Rupiah
b. Foreign Currency
3. Securities
a. Rupiah
b. Foreign Currency
4.
a. Rupiah
b. Foreign Currency
5.
a. Rupiah
b. Foreign Currency
6. Acceptance Receivables
7. Loans
a.
i. Rupiah
ii. Foreign Currency
b. Non-SME Debtors
i. Rupiah
ii. Foreign Currency
c. Restructured Loans
i. Rupiah
ii. Foreign Currency
d. Property Loans
8. Participations
9.
10.
11. Commitments and Contingencies
a. Rupiah
b. Foreign Currency
12. Acquired Assets
Temporary Capital Participations

QUARTERLY REPORT ON PRODUCTIVE ASSET QUALITY AND OTHER INFORMATION (in millions of Rupiah)

No.	ITEMS	INDIVIDUAL	COLLECTIVE	GENERAL	SPECIAL	INDIVIDUAL	COLLECTIVE	GENERAL	SPECIAL
RELATED PARTIES
Securities Sold with Agreement to Repurchase (Repo)
Receivables from Securities Purchased with Agreement to Resell (Reverse Repo)
Micro, Small, and Medium Enterprise (SME) Debtors
Other Receivables*
UNRELATED PARTIES
Securities Sold with Agreement to Repurchase (Repo)
Receivables from Securities Purchased with Agreement to Resell (Reverse Repo)
Micro, Small, and Medium Enterprise (SME) Debtors
Temporary Capital Participations
Other Receivables*

b. Guidelines ...

No.	ITEMS	Position as of Report Date	Position as of Report Date Previous Year
III. OTHER INFORMATION
1. Total Bank Assets Pledged:
a. At Bank Indonesia
b. To Other Parties
2. Total Impairment Provisions (CKPN) for Financial Assets on Productive Assets
3.
4.
5.
6.
7.
8. Others
a. Credit Pass-through
b. Disbursement of Mudharabah Muqayyadah Funds
c. Productive Assets Written Off
d.
e. Productive Assets Charged Off

(in millions of Rupiah)

No.	ITEMS	INDIVIDUAL	COLLECTIVE	GENERAL	SPECIAL	INDIVIDUAL	COLLECTIVE	GENERAL	SPECIAL
1. Placements with Other Banks
2. Spot and Derivative Receivables
3. Securities
4.
5.
6. Acceptance Receivables
7. Loans
8. Participations
9. Temporary Capital Participations
10. Other Receivables*
11. Commitments and Contingencies
Securities Sold with Agreement to Repurchase (Repo)
Receivables from Securities Purchased with Agreement to Resell (Reverse Repo)

*) Among others includes sight L/C or unaccepted usance L/C receivables, purchased/assumed travel checks, customer advances, collection receivables, advances in government programs.

Percentage of Micro and Small Enterprise (MSE) debtors to total debtors Productive Assets Written Off Recovered/Successfully Collected

PROVISION FOR DECLINE IN VALUE AND PROVISION FOR ASSET IMPAIRMENT

No.	Position as of Report Date	Position as of Report Date Previous Year
	CKPN	Mandatory PPA	CKPN	Mandatory PPA
Percentage of SME debtors to total debtors
Total Mandatory PPA on Productive Assets
Percentage of Loans to SMEs to Total Loans
Percentage of Loans to Micro and Small Enterprises (MSE) to Total Loans

(in millions of Rupiah)

No.	ITEMS	INDIVIDUAL	COLLECTIVE	GENERAL	SPECIAL	INDIVIDUAL	COLLECTIVE	GENERAL	SPECIAL
INDIVIDUAL
Position as of Report Date
Position as of Report Date Previous Year

housing ...

QUARTERLY REPORT ON PRODUCTIVE ASSET QUALITY AND OTHER INFORMATION

Productive Asset and Non-Productive Asset Items are presented in Related Parties and Unrelated Parties groups. Related Parties are parties related to the Bank as determined in the provisions regarding maximum credit granting limits.
Productive Assets and Non-Productive Assets are further detailed by quality, namely Performing (L), Special Mention (DPK), Substandard (KL), Doubtful (D), and Loss (M) according to the provisions on Bank Asset Quality Assessment.
Definitions of Balance Sheet items refer to definitions in the Monthly Report of Commercial Banks (LBU).
Loans given are divided into 4 parts, namely:
a. Micro, Small, and Medium Enterprise (SME) Debtors Loans given to Micro, Small, and Medium Enterprise (SME) debtors. The definition of SMEs refers to the law on micro, small, and medium enterprises. In this item, all types of loans given to SME debtors are reported, including property loans and/or loans in restructuring status. The calculation of loans to SME debtors also takes into account other relevant regulations, including those governing credit or financing by Commercial Banks and technical assistance for SME development. b. Non-SME Debtors Loans given to non-SME debtors. In this item, all types of loans given to non-SME debtors are reported, including property loans and/or loans in restructuring status.
c. Restructured Loans
Total loans in restructuring status, whether given to SME debtors or non-SME debtors, including property loans. d. Property Loans Property loans are all property-related loans given to SME debtors or non-SME debtors, including loans in restructuring status, which include loans to:
1) Real estate companies, for the acquisition of land and buildings including facilities for sale/lease;
2) Contractors, for the construction of buildings, offices,
Report ...

housing, and shopping centers; and
3) Individuals, for home ownership and renovation.

In the LBU, property loans include:

Credit Recipients in Business Fields, consisting of loans in the construction sector (item F) and Real Estate (item K.1);
Credit Recipients in Non-Business Fields, consisting of households for home ownership, flats or apartments, shops or offices.

Commitments and Contingencies include commitment obligations and contingent obligations in Item II.3 – Commitments and Contingencies Report.
Total Bank Assets Pledged are Bank assets pledged as collateral for specific transactions. Bank assets pledged do not include securities sold with agreement to repurchase (repo).
Provision for Productive Asset Impairment and Provision for Non-Productive Asset Impairment that must be formed refer to the provisions on Bank Asset Quality Assessment.
Provision for Decline in Value (CKPN) is a provision that the Bank must form according to regulations in the Statement of Financial Accounting Standards (PSAK) on Financial Instruments and the Indonesian Banking Accounting Guidelines (PAPI).

b. Guidelines ...

Quarterly Financial Ratio Report
a. Report Format

QUARTERLY FINANCIAL RATIO REPORT
(in %)

No.	Item	Position as of Report Date	Position as of Report Date Previous Year
1.	Minimum Capital Provisioning Obligation (KPMM)
2.	Problematic Productive Assets and Problematic Non-Productive Assets to Total Productive and Non-Productive Assets
3.	Problematic Productive Assets to Total Productive Assets
4.	Provision for Decline in Value (CKPN) of Financial Assets to Productive Assets
5.	NPL Gross
6.	NPL Net
7.	Return on Asset (ROA)
8.	Return on Equity (ROE)
9.	Net Interest Margin (NIM)
10.	Operating Expenses to Operating Income (BOPO)
11.	Loan to Deposit Ratio (LDR)
12.	Liquidity Coverage Ratio (LCR) Value*
a.	LCR Individually
b.	LCR Consolidated
1.	a. Percentage of BMPK Violation
i.	Related Parties
ii.	Unrelated Parties
b.	Percentage of BMPK Exceedance
i.	Related Parties
ii.	Unrelated Parties
2.	Minimum Reserve Requirement (GWM)
a.	Main Rupiah GWM
b.	Foreign Currency GWM
3.	Net Foreign Exchange Position (PDN) Overall

*) Only filled by Banks required to compile and publish quarterly Liquidity Coverage Ratio (LCR) calculations and values as regulated in the provisions regarding liquidity adequacy ratio (Liquidity Coverage Ratio) compliance obligations for Commercial Banks. The first LCR value is presented for the March 2019 report position.

Ratio	Ratio Type	Notes
Performance Ratios
Compliance Ratios		This column is not displayed in the Quarterly Publication Report until the December 2018 period.

in ...

QUARTERLY FINANCIAL RATIO REPORT

Ratio	Formula	Notes
Performance Ratios
1. Minimum Capital Provisioning Obligation (KPMM)	Capital / Risk-Weighted Assets for Credit Risk, Operational Risk, and Market Risk	• Capital and RWA calculations are based on provisions regarding minimum capital provisioning obligations for Commercial Banks.<br>• RWA calculations for Credit Risk and Market Risk are based on the book value of assets in the Balance Sheet (after deducting CKPN).
2. Problematic Productive Assets and Problematic Non-Productive Assets to Total Productive and Non-Productive Assets	(Problematic Productive Assets + Problematic Non-Productive Assets) / (Total Productive Assets + Total Non-Productive Assets)	• Coverage of components and quality of productive and non-productive assets according to provisions on Bank Asset Quality Assessment.<br>• Problematic productive and non-productive assets are assets with Substandard, Doubtful, and Loss quality.<br>• Problematic productive and non-productive assets are calculated based on book value in the Balance Sheet and Administrative Account Transactions, gross (before deducting CKPN).<br>• Total productive and non-productive assets are calculated based on book value in the Balance Sheet and Administrative Account Transactions, gross (before deducting CKPN).<br>• Figures are calculated per position (not annualized).
3. Problematic Productive Assets to Total Productive Assets	Problematic Productive Assets (excluding Administrative Account Transactions) / Total Productive Assets (excluding Administrative Account Transactions)	• Coverage of components and quality of productive assets according to provisions on Bank Asset Quality Assessment.<br>• Problematic productive assets are productive assets with Substandard, Doubtful, and Loss quality.<br>• Problematic productive assets are calculated based on book value in the Balance Sheet, gross (before deducting CKPN).<br>• Total productive assets are calculated based on book value in the Balance Sheet, gross (before deducting CKPN).<br>• Figures are calculated per position (not annualized).
4. Provision for Decline in Value (CKPN) of Financial Assets to Productive Assets	CKPN of Financial Assets / Total Productive Assets (excluding Administrative Account Transactions)	• CKPN is a provision that the Bank must form according to regulations in the Statement of Financial Accounting Standards (PSAK) on Financial Instruments and the Indonesian Banking Accounting Guidelines (PAPI), covering individual and collective CKPN.<br>• Coverage of productive asset components according to provisions on Bank Asset Quality Assessment.<br>• Total productive assets are calculated based on book value in the Balance Sheet, gross (before deducting CKPN).<br>• Figures are calculated per position (not annualized).
5. NPL Gross	Problematic Loans / Total Loans	• Loans are as regulated in the provisions on Bank Asset Quality Assessment.<br>• Problematic loans are loans with Substandard, Doubtful, and Loss quality.<br>• Problematic loans are calculated based on book value in the Balance Sheet, gross (before deducting CKPN).<br>• Total loans are calculated based on book value in the Balance Sheet, gross (before deducting CKPN).<br>• Figures are calculated per position (not annualized).
6. NPL Net	(Problematic Loans - CKPN for Loans) / Total Loans	• Loans are as regulated in the provisions on Bank Asset Quality Assessment.<br>• Problematic loans are loans with Substandard, Doubtful, and Loss quality.<br>• Problematic loans are calculated based on book value in the Balance Sheet.<br>• CKPN for loans is a provision that the Bank must form according to regulations in PSAK on Financial Instruments and PAPI, covering individual and collective CKPN for loans.<br>• Total loans are calculated based on book value in the Balance Sheet, gross (before deducting CKPN).<br>• Figures are calculated per position (not annualized).

Expenses ...

Ratio	Formula	Notes
7. Return on Asset (ROA)	Profit Before Tax / Average Total Assets	• Profit before tax refers to the current year's profit before tax.<br>• Profit before tax calculation is annualized.<br>Example: For June position: (Accumulated profit as of June / 6) x 12.<br>• Average Total Assets: Example: For June position: Sum of total assets positions from January to June / 6.
8. Return on Equity (ROE)	Profit After Tax / Average Equity	• Profit after tax refers to the current year's net profit after tax.<br>• Profit after tax calculation is annualized.<br>Example: For June position: (Accumulated profit as of June / 6) x 12.<br>• Average Equity: Average Core Capital (Tier 1).<br>Example: For June position: Sum of Tier 1 capital positions from January to June / 6.<br>• Core capital calculation is based on provisions regarding minimum capital provisioning obligations.
9. Net Interest Margin (NIM)	Net Interest Income / Average Productive Assets	• Net interest income is interest income minus interest expenses (annualized).<br>• Average Productive Assets: Example: For June position: Sum of total productive assets from January to June / 6.<br>• Productive assets considered are interest-generating assets.

Ratio	Formula	Notes
10. Operating Expenses to Operating Income (BOPO)	Operating Expenses / Operating Income	• Operating expenses include administrative expenses, depreciation, and other operating expenses.<br>• Operating income includes interest income, fee and commission income, and other operating income.<br>• Figures are calculated per position (not annualized).
11. Loan to Deposit Ratio (LDR)	Total Loans / Total Deposits	• Total loans include all loans given to customers.<br>• Total deposits include all deposits from customers.<br>• Figures are calculated per position (not annualized).
12. Liquidity Coverage Ratio (LCR)	High Quality Liquid Assets / Total Net Cash Outflows over the Next 30 Calendar Days	• High Quality Liquid Assets (HQLA) are assets that can be converted into cash immediately or within a short period without significant loss of value.<br>• Total Net Cash Outflows are calculated based on expected outflows minus expected inflows over the next 30 calendar days.<br>• LCR is calculated quarterly for banks required to comply with LCR regulations.<br>• The first LCR value is presented for the March 2019 report position.
1. Percentage of BMPK Violation
i. Related Parties
ii. Unrelated Parties
2. Percentage of BMPK Exceedance
i. Related Parties
ii. Unrelated Parties
3. Minimum Reserve Requirement (GWM)
a. Main Rupiah GWM
b. Foreign Currency GWM
4. Net Foreign Exchange Position (PDN) Overall

Ratio	Ratio Type	Notes
Performance Ratios
Compliance Ratios		This column is not displayed in the Quarterly Publication Report until the December 2018 period.

in ...

QUARTERLY FINANCIAL RATIO REPORT

Ratio	Formula	Notes
Performance Ratios
1. Minimum Capital Provisioning Obligation (KPMM)	Capital / Risk-Weighted Assets for Credit Risk, Operational Risk, and Market Risk	• Capital and RWA calculations are based on provisions regarding minimum capital provisioning obligations for Commercial Banks.<br>• RWA calculations for Credit Risk and Market Risk are based on the book value of assets in the Balance Sheet (after deducting CKPN).
2. Problematic Productive Assets and Problematic Non-Productive Assets to Total Productive and Non-Productive Assets	(Problematic Productive Assets + Problematic Non-Productive Assets) / (Total Productive Assets + Total Non-Productive Assets)	• Coverage of components and quality of productive and non-productive assets according to provisions on Bank Asset Quality Assessment.<br>• Problematic productive and non-productive assets are assets with Substandard, Doubtful, and Loss quality.<br>• Problematic productive and non-productive assets are calculated based on book value in the Balance Sheet and Administrative Account Transactions, gross (before deducting CKPN).<br>• Total productive and non-productive assets are calculated based on book value in the Balance Sheet and Administrative Account Transactions, gross (before deducting CKPN).<br>• Figures are calculated per position (not annualized).
3. Problematic Productive Assets to Total Productive Assets	Problematic Productive Assets (excluding Administrative Account Transactions) / Total Productive Assets (excluding Administrative Account Transactions)	• Coverage of components and quality of productive assets according to provisions on Bank Asset Quality Assessment.<br>• Problematic productive assets are productive assets with Substandard, Doubtful, and Loss quality.<br>• Problematic productive assets are calculated based on book value in the Balance Sheet, gross (before deducting CKPN).<br>• Total productive assets are calculated based on book value in the Balance Sheet, gross (before deducting CKPN).<br>• Figures are calculated per position (not annualized).
4. Provision for Decline in Value (CKPN) of Financial Assets to Productive Assets	CKPN of Financial Assets / Total Productive Assets (excluding Administrative Account Transactions)	• CKPN is a provision that the Bank must form according to regulations in the Statement of Financial Accounting Standards (PSAK) on Financial Instruments and the Indonesian Banking Accounting Guidelines (PAPI), covering individual and collective CKPN.<br>• Coverage of productive asset components according to provisions on Bank Asset Quality Assessment.<br>• Total productive assets are calculated based on book value in the Balance Sheet, gross (before deducting CKPN).<br>• Figures are calculated per position (not annualized).
5. NPL Gross	Problematic Loans / Total Loans	• Loans are as regulated in the provisions on Bank Asset Quality Assessment.<br>• Problematic loans are loans with Substandard, Doubtful, and Loss quality.<br>• Problematic loans are calculated based on book value in the Balance Sheet, gross (before deducting CKPN).<br>• Total loans are calculated based on book value in the Balance Sheet, gross (before deducting CKPN).<br>• Figures are calculated per position (not annualized).
6. NPL Net	(Problematic Loans - CKPN for Loans) / Total Loans	• Loans are as regulated in the provisions on Bank Asset Quality Assessment.<br>• Problematic loans are loans with Substandard, Doubtful, and Loss quality.<br>• Problematic loans are calculated based on book value in the Balance Sheet.<br>• CKPN for loans is a provision that the Bank must form according to regulations in PSAK on Financial Instruments and PAPI, covering individual and collective CKPN for loans.<br>• Total loans are calculated based on book value in the Balance Sheet, gross (before deducting CKPN).<br>• Figures are calculated per position (not annualized).

Expenses ...

Ratio	Formula	Notes
7. Return on Asset (ROA)	Profit Before Tax / Average Total Assets	• Profit before tax refers to the current year's profit before tax.<br>• Profit before tax calculation is annualized.<br>Example: For June position: (Accumulated profit as of June / 6) x 12.<br>• Average Total Assets: Example: For June position: Sum of total assets positions from January to June / 6.
8. Return on Equity (ROE)	Profit After Tax / Average Equity	• Profit after tax refers to the current year's net profit after tax.<br>• Profit after tax calculation is annualized.<br>Example: For June position: (Accumulated profit as of June / 6) x 12.<br>• Average Equity: Average Core Capital (Tier 1).<br>Example: For June position: Sum of Tier 1 capital positions from January to June / 6.<br>• Core capital calculation is based on provisions regarding minimum capital provisioning obligations.
9. Net Interest Margin (NIM)	Net Interest Income / Average Productive Assets	• Net interest income is interest income minus interest expenses (annualized).<br>• Average Productive Assets: Example: For June position: Sum of total productive assets from January to June / 6.<br>• Productive assets considered are interest-generating assets.
10. Operating Expenses to Operating Income (BOPO)	Operating Expenses / Operating Income	• Operating expenses include administrative expenses, depreciation, and other operating expenses.<br>• Operating income includes interest income, fee and commission income, and other operating income.<br>• Figures are calculated per position (not annualized).
11. Loan to Deposit Ratio (LDR)	Total Loans / Total Deposits	• Total loans include all loans given to customers.<br>• Total deposits include all deposits from customers.<br>• Figures are calculated per position (not annualized).
12. Liquidity Coverage Ratio (LCR)	High Quality Liquid Assets / Total Net Cash Outflows over the Next 30 Calendar Days	• High Quality Liquid Assets (HQLA) are assets that can be converted into cash immediately or within a short period without significant loss of value.<br>• Total Net Cash Outflows are calculated based on expected outflows minus expected inflows over the next 30 calendar days.<br>• LCR is calculated quarterly for banks required to comply with LCR regulations.<br>• The first LCR value is presented for the March 2019 report position.
1. Percentage of BMPK Violation
i. Related Parties
ii. Unrelated Parties
2. Percentage of BMPK Exceedance
i. Related Parties
ii. Unrelated Parties
3. Minimum Reserve Requirement (GWM)
a. Main Rupiah GWM
b. Foreign Currency GWM
4. Net Foreign Exchange Position (PDN) Overall

Ratio	Ratio Type	Notes
Performance Ratios
Compliance Ratios		This column is not displayed in the Quarterly Publication Report until the December 2018 period.

Report

RATIO	FORMULA	DESCRIPTION

Operating Expense to Operating Income Ratio (BOPO) | Total operating expenses / Total operating income | Calculated based on position (not annualized).
Loan to Deposit Ratio (LDR) | Loans / Third-party funds | • Loans are loans as regulated in provisions regarding the quality assessment of General Bank assets.

Third-party funds include demand deposits, savings, and time deposits (excluding interbank).

Liquidity Coverage Ratio (LCR) Value
a. LCR individually b. LCR on a consolidated basis | Calculation of LCR value is performed in accordance with Financial Services Authority Regulations regarding liquidity coverage ratio compliance requirements for General Banks.

Compliance

a. Percentage of BMPK violations
Calculation of violations and exceedances of BMPK is performed in accordance with applicable BMPK provisions.
i. Related parties
ii. Unrelated parties
b. Percentage of BMPK exceedances
i. Related parties
ii. Unrelated parties
Minimum Reserve Requirement (GWM)
Calculation of the percentage of Primary Rupiah GWM and Foreign Currency GWM at the reporting position is performed in accordance with applicable GWM provisions. a. Main Rupiah GWM b. Foreign currency GWM
Net Foreign Exchange Position (PDN) overall
Calculation of the percentage of PDN at the reporting position is performed in accordance with applicable PDN provisions.

b. Guidelines ...
8. Quarterly Spot and Derivative Transaction Report
a. Bank Report Format:
Report Date:
(in millions of Rupiah)

NO. | Trading | Hedging | Claims | Liabilities --- | --- | --- | --- | --- A.
1 Spot
2 Forward
3 Option a. Sell b. Buy
4 Future
5 Swap
6 Others
B. Related to Interest Rates
1 Forward
2 Option a. Sell b. Buy
3 Future
4 Swap
5 Others
C. Others
TOTAL
Related to Exchange Rates

QUARTERLY SPOT AND DERIVATIVE TRANSACTION REPORT TRANSACTION | INDIVIDUAL | Notional Value | Purpose | Derivative Claims and Liabilities

Disclosure ...
QUARTERLY SPOT AND DERIVATIVE TRANSACTION REPORT
The preparation of the Spot and Derivative Transaction Report refers, among others, to Form 42 Monthly Report of General Banks regarding details of spot and derivative transactions.
Underlying variables are divided into 4 parts, namely related to exchange rates (code 1), related to interest rates (code 2), related to exchange rates and interest rates (code 3), and others (code 9). For code 3 and code 9, they are reported in Group C. Others.
The Notional Value column is filled with the agreed value in the contract.
The Transaction Purpose column is distinguished into trading and hedging. Trading is a transaction conducted with the purpose of obtaining profit from changes in market factors, including purpose codes 6 and 7. Derivative transactions with code 9 (Other Purposes) are included in trading purposes. Hedging is a transaction conducted for hedging purposes, including purpose codes 1, 2, 4, and 5. The figures stated in the purpose column are the notional values of the contracts.
The Claims column is filled with claims representing potential profits from the mark-to-market process of spot and derivative transactions on the reporting date. The Liabilities column is filled with liabilities representing potential losses from the mark-to-market process of spot and derivative transactions on the reporting date.

b. Risk ...
9. Disclosure of Quantitative Information on Risk Exposures
a. General

Disclosure of quantitative information on risk exposures is only presented in the Quarterly Publication Report at the end of June on the Bank's Website.
Figures in the disclosure of quantitative information on Bank risk exposures are presented in Rupiah currency.
The scope of disclosure regulated in the disclosure of quantitative information on risk exposures is the minimum standard that must be submitted by the Bank. The Bank is permitted to conduct more extensive disclosures to describe its risk exposures.
Disclosure of quantitative information on risk exposures consists of disclosures for the Bank individually and on a consolidated basis with Subsidiary Entities.
Banks that do not have Subsidiary Entities only include individual disclosure of quantitative information on risk exposures.
Banks that do not have specific exposures according to the requirements for disclosure of quantitative information on risk exposures do not need to include the table related to the disclosure of such exposures. The Bank only needs to include an explanation that the Bank does not have exposures in the relevant disclosure.
Example: A Bank that does not have asset securitization exposure only includes an explanation that the Bank does not have asset securitization exposure in the asset securitization disclosure section.
Disclosure of quantitative information on Bank risk exposures is not required to be audited by a Public Accountant. However, the Bank must make all necessary efforts to ensure the accuracy of all required disclosures.
Disclosure of quantitative information on risk exposures is presented in comparison with the report of the same period in the previous year. Specifically for the first-time disclosure, the Bank does not need to compare with the previous year.

(2) Bank ... b. Credit Risk

Disclosure of Net Claims by Region
(1) Bank individually
(in millions of Rupiah)

No. Portfolio Category	Region 1	Region 2	Region 3	etc.	Total	Region 1	Region 2	Region 3	etc.	Total
	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
1 Claims to Government
2 Claims to Public Sector Entities
3 Claims to Multilateral Development Banks and International Institutions
4 Claims to Banks
5 Mortgage Loans
6 Commercial Property Mortgage Loans
7 Employee/Pensioner Loans
8 Claims to Micro, Small Enterprises and Retail Portfolios
9 Claims to Corporations
10 Overdue Claims
11 Other Assets
Total

Net Claims by Region	Net Claims by Region
Reporting Date Position	Previous Year Reporting Date Position

Disclosure...
b) Filling Guidelines
Disclosure of Net Claims by Region

Disclosure of net claims is performed for asset exposures in the Balance Sheet, exposures in Administrative Transaction Accounts (TRA), and exposures causing Counterparty Credit Risk.
The determination of portfolio categories and calculation of net claims refer to provisions regarding the calculation of risk-weighted assets for Credit Risk using the standard approach.
Regional division is performed based on each Bank's policy, in accordance with management reports. The regional division is established for at least 3 (three) regions. The Bank must disclose in the report the details of net claims from each region.
Regional determination is performed based on the project location of the debtor.

(in millions of Rupiah)

No. Portfolio Category	Region 1	Region 2	Region 3	etc.	Total	Region 1	Region 2	Region 3	etc.	Total
	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
1 Claims to Government
2 Claims to Public Sector Entities
3 Claims to Multilateral Development Banks and International Institutions
4 Claims to Banks
5 Mortgage Loans
6 Commercial Property Mortgage Loans
7 Employee/Pensioner Loans
8 Claims to Micro, Small Enterprises and Retail Portfolios
9 Claims to Corporations
10 Overdue Claims
11 Other Assets
Total

Net Claims by Region	Net Claims by Region
Reporting Date Position	Previous Year Reporting Date Position

b) Guidelines ...
2) Disclosure of Net Claims by Remaining Contractual Maturity
(1) Bank individually
(in millions of Rupiah)

No. Portfolio Category	< 1 year	> 1 yr to 3 yrs	> 3 yrs to 5 yrs	> 5 yrs	Non-Contractual	Total	< 1 year	> 1 yr to 3 yrs	> 3 yrs to 5 yrs	> 5 yrs	Non-Contractual	Total
	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)	(13)	(14)
1 Claims to Government
2 Claims to Public Sector Entities
3 Claims to Multilateral Development Banks and International Institutions
4 Claims to Banks
5 Mortgage Loans
6 Commercial Property Mortgage Loans
7 Employee/Pensioner Loans
8 Claims to Micro, Small Enterprises and Retail Portfolios
9 Claims to Corporations
10 Overdue Claims
11 Other Assets
Total

Net Claims by Remaining Contractual Maturity	Net Claims by Remaining Contractual Maturity
Reporting Date Position	Previous Year Reporting Date Position

(in millions of Rupiah)

No. Portfolio Category	< 1 year	> 1 yr to 3 yrs	> 3 yrs to 5 yrs	> 5 yrs	Non-Contractual	Total	< 1 year	> 1 yr to 3 yrs	> 3 yrs to 5 yrs	> 5 yrs	Non-Contractual	Total
	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)	(13)	(14)
1 Claims to Government
2 Claims to Public Sector Entities
3 Claims to Multilateral Development Banks and International Institutions
4 Claims to Banks
5 Mortgage Loans
6 Commercial Property Mortgage Loans
7 Employee/Pensioner Loans
8 Claims to Micro, Small Enterprises and Retail Portfolios
9 Claims to Corporations
10 Overdue Claims
11 Other Assets
Total

Net Claims by Remaining Contractual Maturity	Net Claims by Remaining Contractual Maturity
Reporting Date Position	Previous Year Reporting Date Position

Disclosure ...
b) Filling Guidelines
Disclosure of Net Claims by Remaining Contractual Maturity

Disclosure of net claims is performed for asset exposures in the Balance Sheet, exposures in Administrative Transaction Accounts (TRA), and exposures causing Counterparty Credit Risk.
The determination of portfolio categories and calculation of net claims refer to provisions regarding guidelines for the calculation of risk-weighted assets for Credit Risk using the standard approach.
Mapping into the time scale is performed based on the remaining time until maturity according to the contract for Balance Sheet items, TRA, and exposures causing Counterparty Credit Risk that have contractual maturities. For Balance Sheet items, TRA, and exposures causing Counterparty Credit Risk that do not have contractual maturities (non-maturity items), they are included in the non-contractual column.

(2) Bank ...
3) Disclosure of Net Claims by Economic Sector
(1) Bank individually
(in millions of Rupiah)

No. Economic Sector	Claims to Government	Claims to Public Sector Entities	Claims to Multilateral Development Banks and International Institutions	Claims to Banks	Mortgage Loans	Commercial Property Mortgage Loans	Employee/Pensioner Loans	Claims to Micro, Small Enterprises and Retail Portfolios	Claims to Corporations	Overdue Claims	Other Assets
	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)	(13)
Reporting Date Position
1 Agriculture, hunting and forestry
2 Fisheries
3 Mining and quarrying
4 Manufacturing industry
5 Electricity, Gas and Water
6 Construction
7 Wholesale and retail trade
8 Accommodation and food service provision
9 Transportation, warehousing and communication
10 Financial intermediation
11 Real estate, rental and business services
12 Public administration, defense and compulsory social security
13 Education services
14 Health and social work services
15 Community, social and personal services
16 Personal services serving households
17 International bodies and other extra-international bodies
18 Activities with unclear boundaries
19 Not in an Economic Field
20 Others
Total

Reporting Date Position	Previous Year Reporting Date Position
1 Agriculture, hunting and forestry
2 Fisheries
3 Mining and quarrying
4 Manufacturing industry
5 Electricity, Gas and Water
6 Construction
7 Wholesale and retail trade
8 Accommodation and food service provision
9 Transportation, warehousing and communication
10 Financial intermediation
11 Real estate, rental and business services
12 Public administration, defense and compulsory social security
13 Education services
14 Health and social work services
15 Community, social and personal services
16 Personal services serving households
17 International bodies and other extra-international bodies
18 Activities with unclear boundaries
19 Not in an Economic Field
20 Others
Total

b) Guidelines ...
(in millions of Rupiah)

No. Economic Sector	Claims to Government	Claims to Public Sector Entities	Claims to Multilateral Development Banks and International Institutions	Claims to Banks	Mortgage Loans	Commercial Property Mortgage Loans	Employee/Pensioner Loans	Claims to Micro, Small Enterprises and Retail Portfolios	Claims to Corporations	Overdue Claims	Other Assets
	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)	(13)
Reporting Date Position
1 Agriculture, hunting and forestry
2 Fisheries
3 Mining and quarrying
4 Manufacturing industry
5 Electricity, Gas and Water
6 Construction
7 Wholesale and retail trade
8 Accommodation and food service provision
9 Transportation, warehousing and communication
10 Financial intermediation
11 Real estate, rental and business services
12 Public administration, defense and compulsory social security
13 Education services
14 Health and social work services
15 Community, social and personal services
16 Personal services serving households
17 International bodies and other extra-international bodies
18 Activities with unclear boundaries
19 Not in an Economic Field
20 Others
Total

Reporting Date Position	Previous Year Reporting Date Position
1 Agriculture, hunting and forestry
2 Fisheries
3 Mining and quarrying
4 Manufacturing industry
5 Electricity, Gas and Water
6 Construction
7 Wholesale and retail trade
8 Accommodation and food service provision
9 Transportation, warehousing and communication
10 Financial intermediation
11 Real estate, rental and business services
12 Public administration, defense and compulsory social security
13 Education services
14 Health and social work services
15 Community, social and personal services
16 Personal services serving households
17 International bodies and other extra-international bodies
18 Activities with unclear boundaries
19 Not in an Economic Field
20 Others
Total

Disclosure ...
b) Filling Guidelines
Disclosure of Net Claims by Economic Sector

Disclosure of net claims is performed for asset exposures in the Balance Sheet, exposures in Administrative Transaction Accounts (TRA), and exposures causing Counterparty Credit Risk.
The determination of portfolio categories and calculation of net claims refer to provisions regarding guidelines for the calculation of risk-weighted assets for Credit Risk using the standard approach.
The division of economic sectors refers to the economic sectors listed in the Monthly Report of General Banks (LBU), with the addition of an "Others" sector for economic sectors of net claims that cannot be classified into any of the existing sectors.

b) Guidelines ...
4) Disclosure of Claims and Provisions by Region
(1) Bank individually
(in millions of Rupiah)

No. Description	Region 1	Region 2	Region 3	etc.	Total	Region 1	Region 2	Region 3	etc.	Total
	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
1 Claims
2 Impaired Claims
a. Not yet overdue
b. Overdue
3 Individual Impairment Loss Provisions (CKPN)
4 Collective Impairment Loss Provisions (CKPN)
5 Write-off Claims

Region	Region
Reporting Date Position	Previous Year Reporting Date Position

(in millions of Rupiah)

No. Description	Region 1	Region 2	Region 3	etc.	Total	Region 1	Region 2	Region 3	etc.	Total
	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)	(12)
1 Claims
2 Impaired Claims
a. Not yet overdue
b. Overdue
3 Individual Impairment Loss Provisions (CKPN)
4 Collective Impairment Loss Provisions (CKPN)
5 Write-off Claims

Region	Region
Reporting Date Position	Previous Year Reporting Date Position

Disclosure ...
b) Filling Guidelines
Disclosure of Claims and Provisions by Region

Claims are the value of financial assets recorded in the financial position report (Balance Sheet) before deducting CKPN (gross).
The definition of impairment and calculation of CKPN for financial assets refer to applicable financial accounting standards.
Regional division is performed based on each Bank's policy, in accordance with management reports. The regional division is established for at least 3 (three) regions. The Bank must disclose in the report the details from each region.
Regional determination is performed based on the project location of the debtor.
Overdue claims refer to the definition of the Overdue Claims portfolio category in provisions regarding guidelines for the calculation of risk-weighted assets for Credit Risk using the standard approach.
Write-off claims are claims that have been written off during the current period.

(2) Bank ...
5) Disclosure of Claims and Provisions by Economic Sector
(1) Bank individually
(in millions of Rupiah)

No. Economic Sector	Not Yet Overdue	Overdue
	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)
Reporting Date Position
1 Agriculture, hunting and forestry
2 Fisheries
3 Mining and quarrying
4 Manufacturing industry
5 Electricity, Gas and Water
6 Construction
7 Wholesale and retail trade
8 Accommodation and food service provision
9 Transportation, warehousing and communication
10 Financial intermediation
11 Real estate, rental and business services
12 Public administration, defense and compulsory social security
13 Education services
14 Health and social work services
15 Community, social and personal services
16 Personal services serving households
17 International bodies and other extra-international bodies
18 Activities with unclear boundaries
19 Not in an Economic Field
20 Others
Total

Reporting Date Position	Previous Year Reporting Date Position
1 Agriculture, hunting and forestry
2 Fisheries
3 Mining and quarrying
4 Manufacturing industry
5 Electricity, Gas and Water
6 Construction
7 Wholesale and retail trade
8 Accommodation and food service provision
9 Transportation, warehousing and communication
10 Financial intermediation
11 Real estate, rental and business services
12 Public administration, defense and compulsory social security
13 Education services
14 Health and social work services
15 Community, social and personal services
16 Personal services serving households
17 International bodies and other extra-international bodies
18 Activities with unclear boundaries
19 Not in an Economic Field
20 Others
Total

No. Economic Sector	Claims	Impaired Claims	Individual Impairment Loss Provisions (CKPN)	Collective Impairment Loss Provisions (CKPN)	Write-off Claims

b) Guidelines ...
(in millions of Rupiah)

No. Economic Sector	Not Yet Overdue	Overdue
	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)
Reporting Date Position
1 Agriculture, hunting and forestry
2 Fisheries
3 Mining and quarrying
4 Manufacturing industry
5 Electricity, Gas and Water
6 Construction
7 Wholesale and retail trade
8 Accommodation and food service provision
9 Transportation, warehousing and communication
10 Financial intermediation
11 Real estate, rental and business services
12 Public administration, defense and compulsory social security
13 Education services
14 Health and social work services
15 Community, social and personal services
16 Personal services serving households
17 International bodies and other extra-international bodies
18 Activities with unclear boundaries
19 Not in an Economic Field
20 Others
Total

Reporting Date Position	Previous Year Reporting Date Position
1 Agriculture, hunting and forestry
2 Fisheries
3 Mining and quarrying
4 Manufacturing industry
5 Electricity, Gas and Water
6 Construction
7 Wholesale and retail trade
8 Accommodation and food service provision
9 Transportation, warehousing and communication
10 Financial intermediation
11 Real estate, rental and business services
12 Public administration, defense and compulsory social security
13 Education services
14 Health and social work services
15 Community, social and personal services
16 Personal services serving households
17 International bodies and other extra-international bodies
18 Activities with unclear boundaries
19 Not in an Economic Field
20 Others
Total

No. Economic Sector	Claims	Impaired Claims	Individual Impairment Loss Provisions (CKPN)	Collective Impairment Loss Provisions (CKPN)	Write-off Claims

Disclosure ...
b) Filling Guidelines
Disclosure of Claims and Provisions by Economic Sector

Claims are the value of financial assets recorded in the financial position report (Balance Sheet) before deducting CKPN (gross).
The definition of impairment and calculation of CKPN for financial assets refer to applicable financial accounting standards.
The division of economic sectors refers to the economic sectors listed in the Monthly Report of General Banks (LBU), with the addition of an "Others" sector for economic sectors of net claims that cannot be classified into any of the existing sectors.
Overdue claims refer to the definition of the Overdue Claims portfolio category in provisions regarding guidelines for the calculation of risk-weighted assets for Credit Risk using the standard approach.
Write-off claims are claims that have been written off during the current period.

b) Guidelines ...
6) Disclosure of Details of Impairment Loss Provision Movements
(1) Bank individually
(in millions of Rupiah)

No. Description	Individual CKPN	Collective CKPN	Individual CKPN	Collective CKPN
	(1)	(2)	(3)	(4)	(5)	(6)
1 Beginning Balance of CKPN
2 Formation (recovery) of CKPN in the current period (Net)
2.a Formation of CKPN in the current period
2.b Recovery of CKPN in the current period
4 Other formation (recovery) in the current period

Reporting Date Position	Previous Year Reporting Date Position
CKPN used to write off claims in the current period
Ending Balance of CKPN

(in millions of Rupiah)

No. Description	Individual CKPN	Collective CKPN	Individual CKPN	Collective CKPN
	(1)	(2)	(3)	(4)	(5)	(6)
1 Beginning Balance of CKPN
2 Formation (recovery) of CKPN in the current period (Net)
2.a Formation of CKPN in the current period
2.b Recovery of CKPN in the current period
4 Other formation (recovery) in the current period

Reporting Date Position	Previous Year Reporting Date Position
CKPN used to write off claims in the current period
Ending Balance of CKPN

No. Description

Disclosure ...
b) Filling Guidelines
Disclosure of Details of Changes in Impairment Loss Reserves

Definition of impairment and calculation of CKPN for financial assets refer to applicable financial accounting standards.
Individual CKPN is a provision formed for financial assets whose impairment is evaluated individually.
Collective CKPN is a provision formed for financial assets whose impairment is evaluated collectively, i.e., financial assets whose impairment is not evaluated individually and/or evaluated individually but there is no objective evidence of impairment.
Other formation (reversal) is reported, including for foreign currency translation differences.

(2) Bank ...
7) Disclosure of Net Claims by Portfolio Category and Rating Scale
(1) Bank individually
(in millions of rupiah)
Rating Agency
Standard and Poor's AAA AA+ to AA- A+ to A- BBB+ to BBB- BB+ to BB- B+ to B- Less than B- A-1 A-2 A-3 Less than A-3 Fitch Ratings AAA AA+ to AA- A+ to A- BBB+ to BBB- BB+ to BB- B+ to B- Less than B- F1+ to F1 F2 F3 Less than F3 Moody's Aaa Aa1 to Aa3 A1 to A3 Baa1 to Baa3 Ba1 to Ba3 B1 to B3 Less than B3 P-1 P-2 P-3 Less than P-3 PT. Fitch Ratings Indonesia AAA (idn) AA+(idn) to AA-(idn) A+(idn) to A-(idn) BBB+(idn) to BBB-(idn) BB+(idn) to BB-(idn) B+(idn) to B-(idn) Less than B-(idn) F1+(idn) to F1(idn) F2(idn) F3(idn) Less than F3(idn) PT Pemeringkat Efek Indonesia idAAA idAA+ to idAA- idA+ to id A- id BBB+ to id BBB- id BB+ to id BB- id B+ to id B- Less than idB- idA1 idA2 idA3 to id A4 Less than idA4 (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) 1 Claims to Government 2 Claims to Public Sector Entities 3 Claims to Multilateral Development Banks and International Institutions 4 Claims to Banks 5 Mortgage Loans 6 Commercial Property-Backed Loans 7 Employee/Pensioner Loans 8 Claims to Micro, Small Enterprises and Retail Portfolio 9 Claims to Corporations 10 Overdue Claims 11 Other Assets TOTAL Rating Agency Standard and Poor's AAA AA+ to AA- A+ to A- BBB+ to BBB- BB+ to BB- B+ to B- Less than B- A-1 A-2 A-3 Less than A-3 Fitch Ratings AAA AA+ to AA- A+ to A- BBB+ to BBB- BB+ to BB- B+ to B- Less than B- F1+ to F1 F2 F3 Less than F3 Moody's Aaa Aa1 to Aa3 A1 to A3 Baa1 to Baa3 Ba1 to Ba3 B1 to B3 Less than B3 P-1 P-2 P-3 Less than P-3 PT. Fitch Ratings Indonesia AAA (idn) AA+(idn) to AA-(idn) A+(idn) to A-(idn) BBB+(idn) to BBB-(idn) BB+(idn) to BB-(idn) B+(idn) to B-(idn) Less than B-(idn) F1+(idn) to F1(idn) F2(idn) F3(idn) Less than F3(idn) PT Pemeringkat Efek Indonesia idAAA idAA+ to idAA- idA+ to id A- id BBB+ to id BBB- id BB+ to id BB- id B+ to id B- Less than idB- idA1 idA2 idA3 to id A4 Less than idA4 (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) 1 Claims to Government 2 Claims to Public Sector Entities 3 Claims to Multilateral Development Banks and International Institutions 4 Claims to Banks 5 Mortgage Loans 6 Commercial Property-Backed Loans 7 Employee/Pensioner Loans 8 Claims to Micro, Small Enterprises and Retail Portfolio 9 Claims to Corporations 10 Overdue Claims 11 Other Assets TOTAL Report Date Position Portfolio Category Net Claims Long-term Rating Short-term Rating Unrated Total Previous Year Report Date Position Portfolio Category Net Claims Long-term Rating Short-term Rating Unrated Total

b) Guidelines ...
(in millions of rupiah)
Rating Agency
Standard and Poor's AAA AA+ to AA- A+ to A- BBB+ to BBB- BB+ to BB- B+ to B- Less than B- A-1 A-2 A-3 Less than A-3 Fitch Rating AAA AA+ to AA- A+ to A- BBB+ to BBB- BB+ to BB- B+ to B- Less than B- F1+ to F1 F2 F3 Less than F3 Moody's Aaa Aa1 to Aa3 A1 to A3 Baa1 to Baa3 Ba1 to Ba3 B1 to B3 Less than B3 P-1 P-2 P-3 Less than P-3 PT. Fitch Ratings Indonesia AAA (idn) AA+(idn) to AA-(idn) A+(idn) to A-(idn) BBB+(idn) to BBB-(idn) BB+(idn) to BB-(idn) B+(idn) to B-(idn) Less than B-(idn) F1+(idn) to F1(idn) F2(idn) F3(idn) Less than F3(idn) PT Pemeringkat Efek Indonesia idAAA idAA+ to idAA- idA+ to id A- id BBB+ to id BBB- id BB+ to id BB- id B+ to id B- Less than idB- idA1 idA2 idA3 to id A4 Less than idA4 (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) 1 Claims to Government 2 Claims to Public Sector Entities 3 Claims to Multilateral Development Banks and International Institutions 4 Claims to Banks 5 Mortgage Loans 6 Commercial Property-Backed Loans 7 Employee/Pensioner Loans 8 Claims to Micro, Small Enterprises and Retail Portfolio 9 Claims to Corporations 10 Overdue Claims 11 Other Assets TOTAL Rating Agency Standard and Poor's AAA AA+ to AA- A+ to A- BBB+ to BBB- BB+ to BB- B+ to B- Less than B- A-1 A-2 A-3 Less than A-3 Fitch Rating AAA AA+ to AA- A+ to A- BBB+ to BBB- BB+ to BB- B+ to B- Less than B- F1+ to F1 F2 F3 Less than F3 Moody's Aaa Aa1 to Aa3 A1 to A3 Baa1 to Baa3 Ba1 to Ba3 B1 to B3 Less than B3 P-1 P-2 P-3 Less than P-3 PT. Fitch Ratings Indonesia AAA (idn) AA+(idn) to AA-(idn) A+(idn) to A-(idn) BBB+(idn) to BBB-(idn) BB+(idn) to BB-(idn) B+(idn) to B-(idn) Less than B-(idn) F1+(idn) to F1(idn) F2(idn) F3(idn) Less than F3(idn) PT Pemeringkat Efek Indonesia idAAA idAA+ to idAA- idA+ to id A- id BBB+ to id BBB- id BB+ to id BB- id B+ to id B- Less than idB- idA1 idA2 idA3 to id A4 Less than idA4 (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) 1 Claims to Government 2 Claims to Public Sector Entities 3 Claims to Multilateral Development Banks and International Institutions 4 Claims to Banks 5 Mortgage Loans 6 Commercial Property-Backed Loans 7 Employee/Pensioner Loans 8 Claims to Micro, Small Enterprises and Retail Portfolio 9 Claims to Corporations 10 Overdue Claims 11 Other Assets TOTAL Report Date Position Portfolio Category Net Claims Long-term Rating Short-term Rating Unrated Total Previous Year Report Date Position Portfolio Category Net Claims Long-term Rating Short-term Rating Unrated Total

Disclosure ...
b) Filling Guidelines
Disclosure of Net Claims by Portfolio Category and Rating Scale

Disclosure of net claims is done for asset exposures on the Balance Sheet, exposures in Administrative Account Transactions (TRA), and exposures giving rise to Counterparty Credit Risk.
Determination of portfolio categories and calculation of net claims refer to regulations regarding guidelines for calculating risk-weighted assets for Credit Risk using the standard approach.
Recognized rating agencies and rating scales refer to regulations regarding recognized rating agencies and ratings by the authority.

(c) Transactions ...
8) Disclosure of Counterparty Credit Risk
(1) Bank individually
(a) Over-the-Counter Derivative Transactions
(b) Repo Transactions
(in millions of rupiah)
< 1 Year > 1 Year - < 5 Years > 5 Years < 1 Year > 1 Year - < 5 Years > 5 Years 1 Interest Rate 2 Exchange Rate 3 Others TOTAL Net Claims before MRK MRK Net Claims after MRK No Underlying Variable Report Date Position Previous Year Report Date Position Notional Amount Derivative Claims Derivative Liabilities Net Claims before MRK MRK Net Claims after MRK Notional Amount Derivative Claims Derivative Liabilities (in millions of rupiah) No. (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) 1 Claims to Government 2 Claims to Public Sector Entities Claims to Multilateral Development Banks and International Institutions 4 Claims to Banks Claims to Micro, Small Enterprises and Retail Portfolio 6 Claims to Corporations Total Repo Liabilities Net Claims ATMR Net Claims Fair Value SSB Repo Repo Liabilities ATMR Portfolio Category Report Date Position Previous Year Report Date Position Fair Value SSB Repo

(2) Bank ...
(c) Reverse Repo Transactions
(in millions of rupiah)
No.
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Claims to Government
2 Claims to Public Sector Entities
Claims to Multilateral Development Banks and International Institutions 4 Claims to Banks Claims to Micro, Small Enterprises and Retail Portfolio 6 Claims to Corporations Total Net Claims after MRK MRK Value Net Claims after MRK ATMR after MRK Net Claims MRK Value ATMR after MRK Portfolio Category Report Date Position Previous Year Report Date Position Net Claims

(c) Transactions ...
(2) Bank Consolidated with Subsidiary Entities (a) Over-the-Counter Derivative Transactions (b) Repo Transactions (in millions of rupiah) < 1 Year > 1 Year - < 5 Years > 5 Years < 1 Year > 1 Year - < 5 Years > 5 Years 1 Interest Rate 2 Exchange Rate 3 Stocks 4 Gold 5 Non-Gold Metals 6 Others TOTAL Net Claims before MRK MRK Net Claims after MRK No Underlying Variable Report Date Position Previous Year Report Date Position Notional Amount Derivative Claims Derivative Liabilities Net Claims before MRK MRK Net Claims after MRK Notional Amount Derivative Claims Derivative Liabilities (in millions of rupiah) No. (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) 1 Claims to Government 2 Claims to Public Sector Entities Claims to Multilateral Development Banks and International Institutions 4 Claims to Banks Claims to Micro, Small Enterprises and Retail Portfolio 6 Claims to Corporations Total Net Claims ATMR Portfolio Category Report Date Position Previous Year Report Date Position Fair Value SSB Repo Repo Liabilities Net Claims ATMR Fair Value SSB Repo Repo Liabilities

Disclosure ...
(c) Reverse Repo Transactions b) Filling Guidelines Disclosure of Counterparty Credit Risk

Counterparty Credit Risk arises, among others, from over-the-counter (OTC) derivative transactions and repo/reverse repo transactions, both for trading book and banking book positions.
Calculation of Counterparty Credit Risk refers to regulations regarding guidelines for calculating risk-weighted assets for Credit Risk using the standard approach.
(in millions of rupiah)
No.
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Claims to Government
2 Claims to Public Sector Entities
Claims to Multilateral Development Banks and International Institutions 4 Claims to Banks Claims to Micro, Small Enterprises and Retail Portfolio 6 Claims to Corporations Total Net Claims after MRK ATMR after MRK Portfolio Category Report Date Position Previous Year Report Date Position Net Claims MRK Value Net Claims after MRK ATMR after MRK Net Claims MRK Value

(2) Bank ...
9) Disclosure of Net Claims Based on Risk Weight after Considering the Impact of Credit Risk Mitigation
(1) Bank individually
(in millions of rupiah)
0% 20% 35% 40% 45% 50% 75% 100% 150% Others 0% 20% 35% 40% 45% 50% 75% 100% 150% Others (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26) A Balance Sheet Exposure 1 Claims to Government 2 Claims to Public Sector Entities 3 Claims to Multilateral Development Banks and International Institutions 4 Claims to Banks 5 Mortgage Loans 6 Commercial Property-Backed Loans 7 Employee/Pensioner Loans 8 Claims to Micro, Small Enterprises and Retail Portfolio 9 Claims to Corporations 10 Overdue Claims 11 Other Assets Total Balance Sheet Exposure B Commitment/Contingent Liability Exposure in Administrative Account Transactions 1 Claims to Government 2 Claims to Public Sector Entities 3 Claims to Multilateral Development Banks and International Institutions 4 Claims to Banks 5 Mortgage Loans 6 Commercial Property-Backed Loans 7 Employee/Pensioner Loans 8 Claims to Micro, Small Enterprises and Retail Portfolio 9 Claims to Corporations 10 Overdue Claims Total TRA Exposure C Counterparty Credit Risk Exposure 1 Claims to Government 2 Claims to Public Sector Entities 3 Claims to Multilateral Development Banks and International Institutions 4 Claims to Banks 5 Claims to Micro, Small Enterprises and Retail Portfolio 6 Claims to Corporations Total Counterparty Credit Risk Exposure No. Portfolio Category Report Date Position Previous Year Report Date Position ATMR Capital Charge Net Claims After Considering Credit Risk Mitigation Impact ATMR Capital Charge Net Claims After Considering Credit Risk Mitigation Impact

b) Guidelines ...
(in millions of rupiah)
0% 20% 35% 40% 45% 50% 75% 100% 150% Others 0% 20% 35% 40% 45% 50% 75% 100% 150% Others (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26) A Balance Sheet Exposure 1 Claims to Government 2 Claims to Public Sector Entities 3 Claims to Multilateral Development Banks and International Institutions 4 Claims to Banks 5 Mortgage Loans 6 Commercial Property-Backed Loans 7 Employee/Pensioner Loans 8 Claims to Micro, Small Enterprises and Retail Portfolio 9 Claims to Corporations 10 Overdue Claims 11 Other Assets Total Balance Sheet Exposure B Commitment/Contingent Liability Exposure in Administrative Account Transactions 1 Claims to Government 2 Claims to Public Sector Entities 3 Claims to Multilateral Development Banks and International Institutions 4 Claims to Banks 5 Mortgage Loans 6 Commercial Property-Backed Loans 7 Employee/Pensioner Loans 8 Claims to Micro, Small Enterprises and Retail Portfolio 9 Claims to Corporations 10 Overdue Claims Total TRA Exposure C Counterparty Credit Risk Exposure 1 Claims to Government 2 Claims to Public Sector Entities 3 Claims to Multilateral Development Banks and International Institutions 4 Claims to Banks 5 Claims to Micro, Small Enterprises and Retail Portfolio 6 Claims to Corporations Total Counterparty Credit Risk Exposure ATMR Capital Charge No. Portfolio Category Net Claims After Considering Credit Risk Mitigation Impact Net Claims After Considering Credit Risk Mitigation Impact Report Date Position ATMR Capital Charge Report Date Position Previous Year

Disclosure ...
b) Filling Guidelines
Disclosure of Net Claims Based on Risk Weight after Considering the Impact of Credit Risk Mitigation

Disclosure of net claims is done for asset exposures on the Balance Sheet, exposures in Administrative Account Transactions (TRA), and exposures giving rise to Counterparty Credit Risk.
Determination of portfolio categories, calculation of net claims, and calculation of the impact of Credit Risk Mitigation refer to regulations regarding guidelines for calculating risk-weighted assets for Credit Risk using the standard approach.
Capital charge is the result of multiplying ATMR by the minimum CAR ratio according to regulations regarding minimum capital requirements.
Filling example:
A bank has claims classified in the portfolio category Claims to Corporations amounting to Rp100,000,000,000.00 (one hundred billion). The claims have no rating, so a risk weight of 100% (one hundred percent) is applied. Part of the aforementioned claims, amounting to Rp30,000,000,000.00 (thirty billion), is secured with cash collateral having a risk weight of 0% (zero percent). The filling for the row Claims to Corporations is done as follows: Rp70,000,000,000.00 (seventy billion) is entered in the risk weight 100% (one hundred percent) column, and Rp30,000,000,000.00 (thirty billion) is entered in the risk weight 0% (zero percent) column.

(2) Bank ...
10) Disclosure of Net Claims and Credit Risk Mitigation Techniques
(1) Bank individually
(in millions of rupiah)
Collateral Credit Guarantee Insurance Others Collateral Credit Guarantee Insurance Others (1) (2) (3) (4) (5) (6) (7) (8) = (3)-[(4)+(5)+(6)+(7)] (9) (10) (11) (12) (13) (14) = (9)-[(10)+(11)+(12)+(13)] A Balance Sheet Exposure 1 Claims to Government 2 Claims to Public Sector Entities 3 Claims to Multilateral Development Banks and International Institutions 4 Claims to Banks 5 Mortgage Loans 6 Commercial Property-Backed Loans 7 Employee/Pensioner Loans 8 Claims to Micro, Small Enterprises and Retail Portfolio 9 Claims to Corporations 10 Overdue Claims 11 Other Assets Total Balance Sheet Exposure B Administrative Account Exposure 1 Claims to Government 2 Claims to Public Sector Entities 3 Claims to Multilateral Development Banks and International Institutions 4 Claims to Banks 5 Mortgage Loans 6 Commercial Property-Backed Loans 7 Employee/Pensioner Loans 8 Claims to Micro, Small Enterprises and Retail Portfolio 9 Claims to Corporations 10 Overdue Claims Total Administrative Account Exposure C Counterparty Credit Risk Exposure 1 Claims to Government 2 Claims to Public Sector Entities 3 Claims to Multilateral Development Banks and International Institutions 4 Claims to Banks 5 Claims to Micro, Small Enterprises and Retail Portfolio 6 Claims to Corporations Total Counterparty Credit Risk Exposure No. Portfolio Category Report Date Position Previous Year Report Date Position Net Claims Secured Portion Unsecured Portion Net Claims Secured Portion Unsecured Portion Total (A+B+C)

b) Guidelines ...
(in millions of rupiah)
Collateral Credit Guarantee Insurance Others Collateral Credit Guarantee Insurance Others (1) (2) (3) (4) (5) (6) (7) (8) = (3)-[(4)+(5)+(6)+(7)] (9) (10) (11) (12) (13) (14) = (9)-[(10)+(11)+(12)+(13)] A Balance Sheet Exposure 1 Claims to Government 2 Claims to Public Sector Entities 3 Claims to Multilateral Development Banks and International Institutions 4 Claims to Banks 5 Mortgage Loans 6 Commercial Property-Backed Loans 7 Employee/Pensioner Loans 8 Claims to Micro, Small Enterprises and Retail Portfolio 9 Claims to Corporations 10 Overdue Claims 11 Other Assets Total Balance Sheet Exposure B Administrative Account Exposure 1 Claims to Government 2 Claims to Public Sector Entities 3 Claims to Multilateral Development Banks and International Institutions 4 Claims to Banks 5 Mortgage Loans 6 Commercial Property-Backed Loans 7 Employee/Pensioner Loans 8 Claims to Micro, Small Enterprises and Retail Portfolio 9 Claims to Corporations 10 Overdue Claims Total Administrative Account Exposure C Counterparty Credit Risk Exposure 1 Claims to Government 2 Claims to Public Sector Entities 3 Claims to Multilateral Development Banks and International Institutions 4 Claims to Banks 5 Claims to Micro, Small Enterprises and Retail Portfolio 6 Claims to Corporations Total Counterparty Credit Risk Exposure Unsecured Portion Total (A+B+C) No. Portfolio Category Report Date Position Previous Year Report Date Position Net Claims Secured Portion Unsecured Portion Net Claims Secured Portion

Disclosure ...
b) Filling Guidelines
Disclosure of Net Claims and Credit Risk Mitigation Techniques

Determination of portfolio categories, calculation of net claims, and criteria for credit risk mitigation techniques that can be used refer to regulations regarding guidelines for calculating risk-weighted assets for Credit Risk using the standard approach.
Filling example:
A bank has claims classified in the portfolio category Claims to Corporations amounting to Rp100,000,000,000.00 (one hundred billion). Part of the aforementioned claims, amounting to Rp30,000,000,000.00 (thirty billion), is secured with cash collateral, and part of the claims, amounting to Rp50,000,000,000.00 (fifty billion), is secured with guarantees from recognized issuers according to regulations. Then, Rp30,000,000,000.00 (thirty billion) is filled in the Secured with Collateral column, Rp50,000,000,000.00 (fifty billion) is filled in the Secured with Guarantee column, and Rp20,000,000,000.00 (twenty billion) is filled in the Unsecured Portion column.

(2) Bank ...
11) Disclosure of Asset Securitization Transactions
(1) Bank individually
(in millions of rupiah)
Overdue Not Overdue Overdue Not Overdue
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) 1 Bank acts as Originator

Type of exposure (e.g., mortgage loans)
2 Bank acts as Credit Support Provider a. First loss facility
Type of exposure (e.g., mortgage loans)
b. Second loss facility
Type of exposure (e.g., mortgage loans)
3 Bank acts as Liquidity Facility Provider
Type of exposure (e.g., mortgage loans)

4 Bank acts as Service Provider

Type of exposure (e.g., mortgage loans)
5 Bank acts as Custodian Bank
Type of exposure (e.g., mortgage loans)
6 Bank acts as Investor a. Senior tranche
Type of exposure (e.g., mortgage loans)
b. Junior tranche
Type of exposure (e.g., mortgage loans)
No. Securitization Exposure
Report Date Position Previous Year Report Date Position Value of assets securitized Value of assets securitized that have impaired Profit/Loss from securitization activities ATMR Capital Deduction Value of assets securitized Value of assets securitized that have impaired Profit/Loss from securitization activities ATMR Capital Deduction

Disclosure ...
b) Filling Guidelines
Disclosure of Asset Securitization Transactions Calculation of risk weights and/or capital deduction factors for asset securitization exposures refers to regulations governing prudential principles in asset securitization activities for Commercial Banks. For asset securitization exposure claims other than those regulated in such regulations, the determination of risk weights refers to regulations regarding guidelines for calculating risk-weighted assets for Credit Risk using the standard approach. (in millions of rupiah) Overdue Not Overdue Overdue Not Overdue (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) 1 Bank acts as Originator

Type of exposure (e.g., mortgage loans)
2 Bank acts as Credit Support Provider a. First loss facility
Type of exposure (e.g., mortgage loans)
b. Second loss facility
Type of exposure (e.g., mortgage loans)
3 Bank acts as Liquidity Facility Provider
Type of exposure (e.g., mortgage loans)

4 Bank acting as Service Provider

Type of exposure (e.g., residential mortgage)
5 Bank acting as Custodian Bank
Type of exposure (e.g., residential mortgage)
6 Bank acting as Investor a. Senior tranche
Type of exposure (e.g., residential mortgage)
b. Junior tranche
Type of exposure (e.g., residential mortgage)
No. Securitization Exposure
Reporting Date Position Previous Year Position Value of Securitised Assets Value of Securitised Assets with Impairment Profit/Loss from Securitization Activities ATMR Capital Reduction Capital Reduction Value of Securitised Assets Value of Securitised Assets with Impairment Profit/Loss from Securitization Activities ATMR

(2) Bank ...
12) Disclosure Summary of Asset Securitization Transactions when the Bank Acts as Originator
(1) Bank individually
(in millions of Rupiah)
(1) (2) (3) (4) (5) (6)
1 Government Receivables
2 Receivables from Public Sector Entities
Receivables from Multilateral Development Banks and International Institutions 4 Receivables from Banks 5 Residential Mortgages 6 Commercial Property Mortgages 7 Employee/Pensioner Loans 8 Receivables from Micro, Small Enterprises and Retail Portfolios 9 Receivables from Corporations 10 Other Assets Total No. Underlying Asset Reporting Date Position Previous Year Position Value of Securitised Assets Profit (Loss) Sale Value of Securitised Assets Profit (Loss) Sale

Disclosure ...
b) Filling Guidelines
Disclosure Summary of Asset Securitization Transactions when the Bank Acts as Originator

Portfolio category determination refers to regulations regarding risk-weighted asset calculation guidelines for Credit Risk using the Standardized Approach.
Asset securitization transactions where the Bank acts as originator refer to regulations governing prudential principles in asset securitization activities for Conventional Banks. The Securitised Asset Value column is filled with the value of transferred assets equal to the recorded asset value on the Balance Sheet at the date of transfer. The Sale Profit (Loss) column is filled with the difference between the transfer value and the recorded asset value on the Balance Sheet.
(in millions of Rupiah)
(1) (2) (3) (4) (5) (6)
1 Government Receivables
2 Receivables from Public Sector Entities
Receivables from Multilateral Development Banks and International Institutions 4 Receivables from Banks 5 Residential Mortgages 6 Commercial Property Mortgages 7 Employee/Pensioner Loans 8 Receivables from Micro, Small Enterprises and Retail Portfolios 9 Receivables from Corporations 10 Other Assets Total No. Underlying Asset Reporting Date Position Previous Year Position Value of Securitised Assets Profit (Loss) Sale Value of Securitised Assets Profit (Loss) Sale

(c) Exposure ...
13) Disclosure of RWA Calculation for Credit Risk using the Standardized Approach
(1) Bank individually
(a) Balance Sheet Asset Exposure
(b) Commitment/Contingency Liability Exposure in Administrative Account Transactions (in millions of Rupiah) No Net Receivables RWA Before RWA After Net Receivables RWA Before RWA After (1) (3) (4) (5) (6) (7) (8) 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. Reporting Date Position Previous Year Position Receivables from Multilateral Development Banks and International Institutions Receivables from Banks Residential Mortgages Commercial Property Mortgages Portfolio Category (2) Government Receivables Receivables from Public Sector Entities Other Assets Employee/Pensioner Loans Receivables from Micro, Small Enterprises and Retail Portfolios Receivables from Corporations Overdue Receivables TOTAL (in millions of Rupiah) No Net Receivables RWA Before RWA After Net Receivables RWA Before RWA After (1) (3) (4) (5) (6) (7) (8) 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. Portfolio Category (2) Government Receivables Receivables from Public Sector Entities Reporting Date Position Previous Year Position Employee/Pensioner Loans Receivables from Micro, Small Enterprises and Retail Portfolios Receivables from Corporations Overdue Receivables Receivables from Multilateral Development Banks and International Institutions Receivables from Banks Residential Mortgages Commercial Property Mortgages TOTAL

(e) Exposure ...
(c) Exposure Causing Credit Risk due to Counterparty Failure (Counterparty Credit Risk) (d) Exposure Causing Credit Risk due to Settlement Failure (settlement risk) (in millions of Rupiah) No Net Receivables RWA Before RWA After Net Receivables RWA Before RWA After (1) (3) (4) (5) (6) (7) (8) 1. 2. 3. 4. 5. 6.
7. Weighted Exposure from Credit Valuation Adjustment (CVA)
Receivables from Multilateral Development Banks and International Institutions Receivables from Banks Receivables from Micro, Small Enterprises and Retail Portfolios Receivables from Public Sector Entities Reporting Date Position Previous Year Position Portfolio Category (2) Government Receivables Receivables from Corporations TOTAL (in millions of Rupiah) No Exposure Value Capital Reduction Factor RWA After RWA Exposure Value Capital Reduction Factor RWA After RWA (1) (3) (4) (5) (6) (7) (8) 1. a. b. c. d. 2. Type of Transaction (2) Delivery versus payment Reporting Date Position Previous Year Position Capital Charge 8% (5-15 days) Capital Charge 50% (16-30 days) Capital Charge 75% (31-45 days) Capital Charge 100% (more than 45 days) Non-delivery versus payment TOTAL

(2) Bank ...
(e) Securitization Exposure
(f) Total Credit Risk Measurement
(in millions of Rupiah)
No Capital Reduction
Factor
RWA Capital Reduction
Factor
RWA
(1) (3) (4) (5) (6)
1.
2.
3.
4.
5.
6.
7.
Reporting Date Position Previous Year
Position
Type of Transaction
(2)
Support Credit Facilities meeting the requirements Asset-Backed Securities Purchase not meeting the requirements Securitization Exposure not covered by regulations on prudential principles in asset securitization activities for conventional banks. TOTAL Support Credit Facilities not meeting the requirements Liquidity Facilities meeting the requirements Liquidity Facilities not meeting the requirements Asset-Backed Securities Purchase meeting the requirements (in millions of Rupiah) Reporting Date Position Reporting Date Position Previous Year TOTAL RWA CREDIT RISK TOTAL CAPITAL REDUCTION FACTOR

(c) Exposure ...
(a) Balance Sheet Asset Exposure
(b) Commitment/Contingency Liability Exposure in Administrative Account Transactions (in millions of Rupiah) No Net Receivables RWA Before RWA After Net Receivables RWA Before RWA After (1) (3) (4) (5) (6) (7) (8) 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. Reporting Date Position Previous Year Position Receivables from Multilateral Development Banks and International Institutions Receivables from Banks Residential Mortgages Commercial Property Mortgages Portfolio Category (2) Government Receivables Receivables from Public Sector Entities Other Assets Employee/Pensioner Loans Receivables from Micro, Small Enterprises and Retail Portfolios Receivables from Corporations Overdue Receivables TOTAL (in millions of Rupiah) No Net Receivables RWA Before RWA After Net Receivables RWA Before RWA After (1) (3) (4) (5) (6) (7) (8) 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. Portfolio Category (2) Government Receivables Receivables from Public Sector Entities Reporting Date Position Previous Year Position Employee/Pensioner Loans Receivables from Micro, Small Enterprises and Retail Portfolios Receivables from Corporations Overdue Receivables Receivables from Multilateral Development Banks and International Institutions Receivables from Banks Residential Mortgages Commercial Property Mortgages TOTAL

(c) Exposure ...
(e) Securitization Exposure
(f) Total Credit Risk Measurement b) Filling Guidelines Disclosure of RWA Calculation for Credit Risk using the Standardized Approach RWA calculation for Credit Risk refers to regulations regarding risk-weighted asset calculation guidelines for Credit Risk using the Standardized Approach. (in millions of Rupiah) No Capital Reduction Factor RWA Capital Reduction Factor RWA (1) (3) (4) (5) (6) 1. 2. 3. 4. 5. 6. 7. Reporting Date Position Previous Year Position Type of Transaction (2) Support Credit Facilities meeting the requirements Asset-Backed Securities Purchase not meeting the requirements Securitization Exposure not covered by regulations on prudential principles in asset securitization activities for conventional banks. TOTAL Support Credit Facilities not meeting the requirements Liquidity Facilities meeting the requirements Liquidity Facilities not meeting the requirements Asset-Backed Securities Purchase meeting the requirements (in millions of Rupiah) Reporting Date Position Reporting Date Position Previous Year TOTAL RWA CREDIT RISK TOTAL CAPITAL REDUCTION FACTOR

d. Risk ...
c. Market Risk

Disclosure of Market Risk using the Standardized Method
a) Report Format b) Filling Guidelines
Disclosure of Market Risk using the Standardized Method Market risk calculation refers to regulations regarding the use of the standard method in calculating the Capital Adequacy Ratio (CAR) for Conventional Banks, taking into account Market Risk.
Disclosure of Interest Rate Risk in Banking Book (IRRBB) Exposure
Disclosure of IRRBB exposure refers to the increase or decrease in economic value and earnings against interest rate movements based on the gap report format prepared by the Bank to fulfill regulations regarding the assessment of the health level of Conventional Banks and the application of risk management for Conventional Banks. (in millions of Rupiah) Capital Charge RWA Capital Charge RWA Capital Charge RWA Capital Charge RWA (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) 1 Interest Rate Risk a. Specific Risk b. General Risk 2 Exchange Rate Risk 3 Equity Risk *) 4 Commodity Risk *) 5 Option Risk Total *) For banks with subsidiary companies having the aforementioned risk exposure No. Type of Risk Reporting Date Position Previous Year Position Individual Consolidated Individual Consolidated

(b) Profile ... d. Liquidity Risk

Disclosure of Rupiah and Foreign Currency Maturity Profile
a) Report Format
(1) Bank individually
(a) Rupiah Maturity Profile
(in millions of Rupiah)
< 1 month > 1 mo to 3 mo

3 mo to 6
mo
6 mo to 12
mo > 12 months < 1 month > 1 mo to 3 mo
3 mo to 6
mo
6 mo to 12
mo > 12 months
(1) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) I A Assets

Cash
Deposits at Bank Indonesia
Deposits at other banks
Securities
Loans granted
Other receivables
Others
Total Assets
B. Liabilities
Third-Party Funds
Liabilities to Bank Indonesia
Liabilities to other banks
Issued Securities
Loans Received
Other liabilities
Others
Total Liabilities
Difference between Assets and Liabilities on the Balance Sheet II A. Administrative Account Receivables
Commitments
Contingencies
Total Administrative Account Receivables
B. Administrative Account Liabilities
Commitments
Contingencies
Total Administrative Account Liabilities
Difference between Receivables and Liabilities in Administrative Accounts Difference [(IA-IB)+(IIA-IIB)] Cumulative Difference Reporting Date Position Previous Year Position No. Balance Sheet Items Balance Matured Balance Matured (2) BALANCE SHEET ADMINISTRATIVE ACCOUNTS

(2) Bank ...
(b) Foreign Currency Maturity Profile
(in millions of Rupiah)
< 1 month > 1 mo to 3 mo

3 mo to 6
mo
6 mo to 12
mo > 12 months < 1 month > 1 mo to 3 mo
3 mo to 6
mo
6 mo to 12
mo > 12 months
(1) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) I A Assets

Cash
Deposits at Bank Indonesia
Deposits at other banks
Securities
Loans granted
Other receivables
Others
Total Assets
B. Liabilities
Third-Party Funds
Liabilities to Bank Indonesia
Liabilities to other banks
Issued Securities
Loans Received
Other liabilities
Others
Total Liabilities
Difference between Assets and Liabilities on the Balance Sheet II A. Administrative Account Receivables
Commitments
Contingencies
Total Administrative Account Receivables
B. Administrative Account Liabilities
Commitments
Contingencies
Total Administrative Account Liabilities
Difference between Receivables and Liabilities in Administrative Accounts Difference [(IA-IB)+(IIA-IIB)] Cumulative Difference Reporting Date Position Previous Year Position No. Balance Sheet Items Balance Matured Balance Matured (2) BALANCE SHEET ADMINISTRATIVE ACCOUNTS

(b) Profile ...
(a) Rupiah Maturity Profile
(in millions of Rupiah)
< 1 month > 1 mo to 3 mo

3 mo to 6
mo
6 mo to 12
mo > 12 months < 1 month > 1 mo to 3 mo
3 mo to 6
mo
6 mo to 12
mo > 12 months
(1) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) I A Assets

Cash
Deposits at Bank Indonesia
Deposits at other banks
Securities
Loans granted
Other receivables
Others
Total Assets
B. Liabilities
Third-Party Funds
Liabilities to Bank Indonesia
Liabilities to other banks
Issued Securities
Loans Received
Other liabilities
Others
Total Liabilities
Difference between Assets and Liabilities on the Balance Sheet II A. Administrative Account Receivables
Commitments
Contingencies
Total Administrative Account Receivables
B. Administrative Account Liabilities
Commitments
Contingencies
Total Administrative Account Liabilities
Difference between Receivables and Liabilities in Administrative Accounts Difference [(IA-IB)+(IIA-IIB)] Cumulative Difference Balance Matured Balance Matured Reporting Date Position Previous Year Position (2) BALANCE SHEET ADMINISTRATIVE ACCOUNTS No. Balance Sheet Items

b) Guidelines ...
(b) Foreign Currency Maturity Profile
(in millions of Rupiah)
< 1 month > 1 mo to 3 mo

3 mo to 6
mo
6 mo to 12
mo > 12 months < 1 month > 1 mo to 3 mo
3 mo to 6
mo
6 mo to 12
mo > 12 months
(1) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) I A Assets

Cash
Deposits at Bank Indonesia
Deposits at other banks
Securities
Loans granted
Other receivables
Others
Total Assets
B. Liabilities
Third-Party Funds
Liabilities to Bank Indonesia
Liabilities to other banks
Issued Securities
Loans Received
Other liabilities
Others
Total Liabilities
Difference between Assets and Liabilities on the Balance Sheet II A. Administrative Account Receivables
Commitments
Contingencies
Total Administrative Account Receivables
B. Administrative Account Liabilities
Commitments
Contingencies
Total Administrative Account Liabilities
Difference between Receivables and Liabilities in Administrative Accounts Difference [(IA-IB)+(IIA-IIB)] Cumulative Difference Balance Matured Balance Matured Reporting Date Position Previous Year Position (2) BALANCE SHEET ADMINISTRATIVE ACCOUNTS No. Balance Sheet Items

e. Risk ... b) Filling Guidelines
Disclosure of Rupiah and Foreign Currency Maturity Profile Disclosure of Rupiah and Foreign Currency maturity profiles refers to regulations regarding the application of risk management for Conventional Banks and regulations regarding the Periodic Reports of Conventional Banks (LBBU).
2) Disclosure of Liquidity Coverage Ratio (LCR) Value
a) Report Format b) Filling Guidelines
Disclosure of LCR Value

Disclosure of LCR Value is only conducted by Banks required to prepare and publish LCR reports as referred to in Financial Services Authority Regulations regarding the obligation to fulfill the liquidity coverage ratio (liquidity coverage ratio) for Conventional Banks.
In the Quarterly Publication Report, the end-of-June position reports LCR Value for Quarter I and II, while Quarter III and IV columns are filled with “N/A”. In the Annual Publication Report, LCR values for Quarter I to IV are reported.
Quarter I Quarter II Quarter III Quarter IV
(1) (2) (3) (4)
Bank individually
Bank consolidated
LCR VALUE (%)
Disclosure ...
e. Operational Risk

Report Format
a) Bank individually b) Bank consolidated with Subsidiary Entities
Filling Guidelines
Disclosure of Operational Risk
Operational risk calculation refers to regulations regarding the calculation of RWA for Operational Risk using the Basic Indicator Approach (BIA). (in millions of Rupiah) (1) (2) (3) (4) (5) (6) (7) (8) 1 Basic Indicator Approach Total No. Approach Used Reporting Date Position Previous Year Position Gross Income (Average of the last 3 years) Capital Charge RWA Gross Income (Average of the last 3 years) Capital Charge RWA (in millions of Rupiah) (1) (2) (3) (4) (5) (6) (7) (8) 1 Basic Indicator Approach Total No. Approach Used Reporting Date Position Previous Year Position Gross Income (Average of the last 3 years) Capital Charge RWA Gross Income (Average of the last 3 years) Capital Charge RWA

(decrease) ...
10. Disclosure of Capital Adequacy According to Basel III Framework
a. Part 1: Capital Calculation

Report Format
Standard Format for Capital Calculation Disclosure Component Component (Indonesian Language) Amount (In Millions of Rupiah) No. Ref. from Consolidated Balance Sheet 1) Filling Guidelines (not displayed on Bank Web publication) Conventional Bank Branch of a Bank Headquartered Abroad No. Ref. from Publication Report CAR 2) Description No. Ref. from Publication Report CAR 2) Description Common Equity Tier 1 capital: instruments and reserves Core Capital (Common Equity Tier I) /CET 1:
Instruments and
Additional Paid-in
Capital

Directly issued
qualifying common share
(and equivalent for nonjoint stock companies) capital plus related stock surplus Ordinary shares (including stock surplus) I.1.1 I.1.2.1.2.1 I.1.2.2.2.1 I.1.2.1.2.5 Net off treasury stock and agio/disagio:
 Paid-in capital
 Agio
 Disagio
 Capital payments
1 Business Capital
Retained earnings I.1.2.1.2.3a
I.1.2.2.2.2
I.1.2.1.2.4a
I.1.2.2.2.3
It consists of:
 Profit (loss) previous years; and
 Profit (loss) current year before deducting profits from securitization and increase 2.1 3.1 It consists of:
 Profit (loss) previous years; and
 Profit (loss) current year before deducting profits from securitization and increase

Directly ...
Component
Component
(Indonesian Language)
Amount
(In
Millions of Rupiah)
No. Ref. from
Consolidated
Balance Sheet
1)
Filling Guidelines
(not displayed on Bank Web publication)
Conventional Bank Branch of a Bank
Headquartered Abroad
No. Ref. from
Publication
Report
CAR 2)
Description
No. Ref. from
Publication
Report
CAR 2)
Description
(decrease) fair value of financial liabilities (will be included in row 13-14) (decrease) fair value of financial liabilities (will be included in row 13- 14)
3. Accumulated other
comprehensive income
(and other reserves)
Accumulated other comprehensive income
(and other reserves)
I.1.2.1.1.2
I.1.2.2.1.2
I.1.2.1.1.1
I.1.2.2.1.1
I.1.2.1.1.3
I.1.2.1.1.2
Total other comprehensive income recognized (net) only in accordance with CAR regulations and other reserves, namely:
 Potential profit (loss) from increase
(decrease) fair value of financial assets in AFS groups  Translation gain (loss)  Revaluation surplus balance of fixed assets  General reserves 8.1.2 8.1.1 Total other comprehensive income recognized (net) only in accordance with CAR regulations and other reserves, namely:
 Potential profit (loss) from increase
(decrease) fair value of financial assets in AFS groups  Translation gain (loss)  Revaluation surplus balance of fixed assets  General reserves

Deferred ...
Component
Component
(Indonesian Language)
Amount
(In
Millions of Rupiah)
No. Ref. from
Consolidated
Balance Sheet
1)
Filling Guidelines
(not displayed on Bank Web publication)
Conventional Bank Branch of a Bank
Headquartered Abroad
No. Ref. from
Publication
Report
CAR 2)
Description
No. Ref. from
Publication
Report
CAR 2)
Description
4. Directly issued capital
subject to phase out from
CET1 (only applicable to non-joint stock companies) Capital subject to phase out from CET1 N/A
5. Common share capital
issued by subsidiaries and held by third parties (amount allowed in group CET1) Non-Controlling Interests that can be calculated I .1.3 For Banks that have Subsidiary Entities (consolidated) N/A N/A
6. Common Equity Tier 1
capital before regulatory adjustments
CET1 before regulatory adjustment
N/A N/A
Common Equity Tier 1 capital: regulatory adjustments CET 1: Reduction Factors (Regulatory Adjustment)
7. Prudential valuation
adjustments
Difference in the amount of fair value adjustment of financial instruments in trading book I .1.2.2.2.5 8.3
8. Goodwill (net of related
tax liability)
Goodwill I .1.4.2 8.6
9. Other intangibles other
than mortgage-servicing rights (net of related tax liability) Other intangible assets (except Mortgage-Servicing Rights) I .1.4.3 8.7

Reciprocal ...

Komponen (Bahasa Indonesia)	Jumlah (Dalam Jutaan Rupiah)	No. Ref. yang berasal dari Neraca Konsolidasi 1)	Pedoman Pengisian (tidak ditampilkan pada publikasi di Web Bank)	Bank Umum Konvensional	No. Ref. dari Laporan Publikasi KPMM 2)
10. Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax liability)	Aset pajak tangguhan yang berasal dari future profitability	N/A
11. Cash-flow hedge reserve	Cash-flow hedge reserve	N/A
12. Shortfall of provisions to expected losses	Shortfall on provisions to expected losses	N/A
13. Securitisation gain on sale (as set out in paragraph 562 of Basel II framework)	Keuntungan penjualan aset dalam transaksi sekuritisasi	1.2.1.2.3c	Merupakan penyesuaian terhadap laba tahun-tahun lalu dan laba tahun berjalan (row 2)	2.3	Merupakan penyesuaian terhadap laba tahun-tahun lalu dan laba tahun berjalan (row 2)
14. Gains and losses due to changes in own credit risk on fair valued liabilities	Peningkatan/penurunan nilai wajar atas kewajiban keuangan (DVA)	1.2.1.2.3b	Merupakan penyesuaian terhadap laba tahun-tahun lalu dan laba tahun berjalan (row 2)	2.2	Merupakan penyesuaian terhadap laba tahun-tahun lalu dan laba tahun berjalan (row 2)
15. Defined-benefit pension fund net assets	Aset pensiun manfaat pasti	N/A
16. Investments in own shares (if not already netted off paid-in capital on reported balance sheet)	Investasi pada saham sendiri (jika belum di net dalam modal di Neraca)	N/A

10% ...

Komponen (Bahasa Indonesia)	Jumlah (Dalam Jutaan Rupiah)	No. Ref. yang berasal dari Neraca Konsolidasi 1)	Pedoman Pengisian (tidak ditampilkan pada publikasi di Web Bank)	Bank Umum Konvensional	No. Ref. dari Laporan Publikasi KPMM 2)
17. Reciprocal crossholdings in common equity	Kepemilikan silang pada instrumen CET 1 pada entitas lain	I.1.4.7.2	Kepemilikan silang pada entitas lain yang diperoleh berdasarkan peralihan karena hukum, hibah, atau hibah wasiat	8.11	Kepemilikan silang pada entitas lain yang diperoleh berdasarkan peralihan karena hukum, hibah, atau hibah wasiat
18. Investments in the capital of Banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions, where the Bank does not own more than 10% of the issued share capital (amount above 10% threshold)	Investasi pada modal bank, entitas keuangan dan asuransi diluar cakupan konsolidasi secara ketentuan, net posisi short yang diperkenankan, dimana Bank tidak memiliki lebih dari 10% modal saham yang diterbitkan (jumlah di atas batasan 10%)	N/A
19. Significant investments in the common stock of Banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions (amount above 10% threshold)	Investasi signifikan pada saham biasa Bank, entitas keuangan dan asuransi diluar cakupan konsolidasi secara ketentuan, net posisi short yang diperkenankan (jumlah di atas batasan 10%)	N/A

PPA ...

Komponen (Bahasa Indonesia)	Jumlah (Dalam Jutaan Rupiah)	No. Ref. yang berasal dari Neraca Konsolidasi 1)	Bank Umum Konvensional	No. Ref. dari Laporan Publikasi KPMM 2)
20. Mortgage servicing rights (amount above 10% threshold)	Mortgage servicing rights	I .1.4.3 salah satu komponen aset tidak berwujud lainnya	8.7	salah satu komponen aset tidak berwujud lainnya
21. Deferred tax assets arising from temporary differences (amount above 10% threshold, net of related tax liability)	Aset pajak tangguhan yang berasal dari perbedaan temporer (jumlah di atas batasan 10%, net dari kewajiban pajak)	N/A
22. Amount exceeding the 15% threshold	Jumlah melebihi batasan 15% dari:	N/A
23. of which: significant investments in the common stock of financials	investasi signifikan pada saham biasa financials	N/A
24. of which: mortgage servicing rights	mortgage servicing rights	N/A
25. of which: deferred tax assets arising from temporary differences	pajak tangguhan dari perbedaan temporer	N/A
26. National specific regulatory adjustments	Penyesuaian berdasarkan ketentuan spesifik nasional
26a. Selisih PPA dan CKPN		I.1.2.2.2.4	8.2

Common ...

Komponen (Bahasa Indonesia)	Jumlah (Dalam Jutaan Rupiah)	No. Ref. yang berasal dari Neraca Konsolidasi 1)	Pedoman Pengisian (tidak ditampilkan pada publikasi di Web Bank)	Bank Umum Konvensional	No. Ref. dari Laporan Publikasi KPMM 2)
26b. PPA atas aset non produktif		I. 1.2.2.2.6		8.4
26c. Aset Pajak Tangguhan		I .1.4.1	Net dengan kewajiban pajak tangguhan	8.5	Net dengan kewajiban pajak tangguhan
26d. Penyertaan		I.1.4.4		N/A
26e. Kekurangan modal pada perusahaan anak asuransi		I.1.4.5		8.8
26f. Eksposur sekuritisasi		I.1.4.6		8.9
26g. Lainnya		I.1.2.1.2.6 I.1.2.2.2.7		8.12
27. Regulatory adjustments applied to Common Equity Tier 1 due to insufficient Additional Tier 1 and Tier 2 to cover deductions	Penyesuaian pada CET 1 akibat AT 1 dan Tier 2 lebih kecil daripada faktor pengurangnya	I. 1.4.7.1 I.1.4.7.2	• Penempatan dana pada instrumen AT 1 dan/atau Tier 2 pada Bank lain • Kepemilikan silang pada instrumen AT 1 dan/atau Tier 2 pada entitas lain, dalam hal jumlah AT 1 dan/atau Tier 2 tidak mencukupi	8.10	Penempatan dana pada instrumen AT 1 dan/atau Tier 2 pada Bank lain
28. Total regulatory adjustments to Common equity Tier 1	Jumlah pengurang (regulatory adjustment) terhadap CET 1	N/A		N/A

by third ...

Komponen (Bahasa Indonesia)	Jumlah (Dalam Jutaan Rupiah)	No. Ref. yang berasal dari Neraca Konsolidasi 1)	Pedoman Pengisian (tidak ditampilkan pada publikasi di Web Bank)	Bank Umum Konvensional	Keterangan
29. Common Equity Tier 1 capital (CET1)	Jumlah CET 1 setelah faktor pengurang	N/A		N/A
Additional Tier 1 capital: instruments	Modal Inti Tambahan (AT 1): Instrumen
30. Directly issued qualifying Additional Tier 1 instruments plus related stock surplus	Instrumen AT 1 yang diterbitkan oleh Bank (termasuk stock surplus)		Jumlah row 31 dan	Jumlah row 31 dan
31. of which: classified as equity under applicable accounting standards	Yang diklasifikasikan sebagai ekuitas berdasarkan standar akuntansi	I.2.1a	Yang berasal dari Form 38 LBU. Net off treasury stock dan agio/disagio: • agio • disagio	I.2.2a I.2.2b	N/A
32. of which: classified as liabilities under applicable accounting standards	Yang diklasifikasikan sebagai liabilitas berdasarkan standar akuntansi	I.2.1a, b, c	Yang berasal dari form 37 LBU	N/A	N/A
33. Directly issued capital instruments subject to phase out from Additional Tier 1	Modal yang yang termasuk phase out dari AT 1	N/A
34. Additional Tier 1 instruments (and CET1 instruments not included in row 5) issued by subsidiaries and held by third parties (amount allowed in group AT1)	Instrumen AT 1 yang diterbitkan oleh Entitas Anak yang diakui dalam perhitungan KPMM secara konsolidasi	I.2.1d		N/A	N/A

eligible ...

Komponen (Bahasa Indonesia)	Jumlah (Dalam Jutaan Rupiah)	No. Ref. yang berasal dari Neraca Konsolidasi 1)	Pedoman Pengisian (tidak ditampilkan pada publikasi di Web Bank)	Bank Umum Konvensional	Keterangan
35. of which: instruments issued by subsidiaries subject to phase out	Instrumen yang diterbitkan Entitas Anak yang termasuk phase out	N/A
36. Additional Tier 1 capital before regulatory adjustments	Jumlah AT 1 sebelum regulatory adjustment	N/A		N/A
Additional Tier 1 capital: regulatory adjustments	Modal Inti Tambahan: Faktor Pengurang (Regulatory Adjustment)
37. Investments in own Additional Tier 1 instruments	Investasi pada instrumen AT 1 sendiri	N/A
38. Reciprocal crossholdings in Additional Tier 1 instruments	Kepemilikan silang pada instrumen AT 1 pada entitas lain	I.2.3.2	Kepemilikan silang pada entitas lain yang diperoleh berdasarkan peralihan karena hukum, hibah, atau hibah wasiat	N/A	N/A
39. Investments in the capital of Banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions, where the Bank does not own more than 10% of the issued common share capital of the entity (amount above 10% threshold)	Investasi pada modal bank, entitas keuangan dan asuransi diluar cakupan konsolidasi secara ketentuan, net posisi short yang diperkenankan, dimana Bank tidak memiliki lebih dari 10% modal saham yang diterbitkan (jumlah di atas batasan 10%)	N/A

entitas ...

Komponen (Bahasa Indonesia)	Jumlah (Dalam Jutaan Rupiah)	No. Ref. yang berasal dari Neraca Konsolidasi 1)	Pedoman Pengisian (tidak ditampilkan pada publikasi di Web Bank)	Bank Umum Konvensional	Keterangan
40. Significant investments in the capital of Banking, financial and insurance entities that are outside the scope of regulatory consolidation (net of eligible short positions)	Investasi signifikan pada modal Bank, entitas keuangan dan asuransi di luar cakupan konsolidasi secara ketentuan (net posisi short yang diperkenankan)	N/A
41. National specific regulatory adjustments	Penyesuaian berdasarkan ketentuan spesifik nasional
41a. Penempatan dana pada instrumen AT 1 pada Bank lain		I .2.3.1		N/A	N/A
42. Regulatory adjustments applied to Additional Tier 1 due to insufficient Tier 2 to cover deductions	Penyesuaian pada AT 1 akibat Tier 2 lebih kecil daripada faktor pengurangnya	I .2.3.1 I .2.3.2	• Penempatan dana pada instrumen Tier 2 pada Bank lain • Kepemilikan silang pada instrumen Tier 2 pada entitas lain dalam hal jumlah Tier 2 tidak mencukupi.	N/A	N/A

Directly ...

Komponen (Bahasa Indonesia)	Jumlah (Dalam Jutaan Rupiah)	No. Ref. yang berasal dari Neraca Konsolidasi 1)	Pedoman Pengisian (tidak ditampilkan pada publikasi di Web Bank)	Bank Umum Konvensional	Keterangan
43. Total regulatory adjustments to Additional Tier 1 capital	Jumlah faktor pengurang (regulatory adjustment) terhadap AT 1	N/A		N/A
44. Additional Tier 1 capital (AT1)	Jumlah AT 1 setelah faktor pengurang	N/A		N/A
45. Tier 1 capital (T1 = CET 1 + AT 1)	Jumlah Modal Inti (Tier 1) (CET 1 + AT 1)	N/A		N/A
Tier 2 capital: instruments and provisions	Modal Pelengkap (Tier 2): Instumen dan cadangan
46. Directly issued qualifying Tier 2 instruments plus related stock surplus	Instrumen Tier 2 yang diterbitkan oleh Bank (termasuk stock surplus)	II.1a II.1b II.1c II.1d II.1f II.2a II.2b	Net off treasury stock dan agio/disagio: • saham preferen • surat berharga subordinasi • pinjaman subordinasi • mandatory convertible bond • amortisasi • agio • disagio	N/A	N/A

Tier 2 ...

Komponen (Bahasa Indonesia)	Jumlah (Dalam Jutaan Rupiah)	No. Ref. yang berasal dari Neraca Konsolidasi 1)	Pedoman Pengisian (tidak ditampilkan pada publikasi di Web Bank)	Bank Umum Konvensional	No. Ref. dari Laporan Publikasi KPMM 2)	Keterangan
47. Directly issued capital instruments subject to phase out from Tier 2	Modal yang yang termasuk phase out dari Tier 2	N/A
48. Tier 2 instruments (and CET1 and AT1 instruments not included in rows 5 or 34) issued by subsidiaries and held by third parties (amount allowed in group Tier 2)	Instrumen Tier 2 yang diterbitkan oleh Entitas Anak yang diakui dalam perhitungan KPMM secara konsolidasi	II.1e		N/A		N/A
49. of which: instruments issued by subsidiaries subject to phase out	Modal yang diterbitkan Entitas Anak yang termasuk phase out	N/A
50. Provisions	Cadangan umum PPA atas aset produktif yang wajib dihitung dengan jumlah paling tinggi sebesar 1,25% dari ATMR untuk Risiko Kredit	II.3	Cadangan umum PPA atas aset produktif yang wajib dihitung	7	Cadangan umum PPA atas aset produktif yang wajib dihitung
51. Tier 2 capital before regulatory adjustments	Jumlah Modal Pelengkap (Tier 2) sebelum faktor pengurang	N/A		N/A

Significant ...

Komponen (Bahasa Indonesia)	Jumlah (Dalam Jutaan Rupiah)	No. Ref. yang berasal dari Neraca Konsolidasi 1)	Pedoman Pengisian (tidak ditampilkan pada publikasi di Web Bank)	Bank Umum Konvensional	Keterangan
Tier 2 capital: regulatory adjustments	Modal Pelengkap (Tier 2): Faktor Pengurang (Regulatory Adjustment)
52. Investments in own Tier 2 instruments	Investasi pada instrumen Tier 2 sendiri	N/A
53. Reciprocal crossholdings in Tier 2 instruments	Kepemilikan silang pada instrumen Tier 2 pada entitas lain	II.4.3	Kepemilikan silang pada entitas lain yang diperoleh berdasarkan peralihan karena hukum, hibah, atau hibah wasiat	N/A	N/A
54. Investments in the capital of Banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions, where the Bank does not own more than 10% of the issued common share capital of the entity (amount above the 10% threshold)	Investasi pada modal bank, entitas keuangan dan asuransi diluar cakupan konsolidasi secara ketentuan, net posisi short yang diperkenankan, dimana Bank tidak memiliki lebih dari 10% modal saham yang diterbitkan (jumlah di atas batasan 10%)	N/A

Total ...

Komponen (Bahasa Indonesia)	Jumlah (Dalam Jutaan Rupiah)	No. Ref. yang berasal dari Neraca Konsolidasi 1)	Bank Umum Konvensional	Keterangan
55. Significant investments in the capital Banking, financial and insurance entities that are outside the scope of regulatory consolidation (net of eligible short positions)	Investasi signifikan pada modal Bank, entitas keuangan dan asuransi di luar cakupan konsolidasi secara ketentuan (net posisi short yang diperkenankan)	N/A
56. National specific regulatory adjustments	Penyesuaian berdasarkan ketentuan spesifik nasional
56a. Sinking fund		II.4.1	N/A	N/A
56b. Penempatan dana pada instrumen Tier 2 pada Bank lain		II.4.2	N/A	N/A
57. Total regulatory adjustments to Tier 2 capital	Jumlah faktor pengurang (regulatory adjustment) Modal Pelengkap	N/A	N/A
58. Tier 2 capital (T2)	Jumlah Modal Pelengkap (Tier 2) setelah regulatory adjustment	N/A	N/A
59. Total capital (TC = T1 + T2)	Total Modal (Modal Inti + Modal Pelengkap)

of which ...

Komponen (Bahasa Indonesia)	Jumlah (Dalam Jutaan Rupiah)	No. Ref. yang berasal dari Neraca Konsolidasi 1)	Bank Umum Konvensional
60. Total risk weighted assets	Total Aset Tertimbang Menurut Risiko (ATMR)
Capital ratios and buffers	Rasio Kecukupan Pemenuhan Modal Minimum (KPMM) dan Tambahan Modal (Capital Buffer)
61. Common Equity Tier 1 (as a percentage of risk weighted assets)	Rasio Modal Inti Utama (CET 1) – persentase terhadap ATMR	N/A	N/A
62. Tier 1 (as a percentage of risk weighted assets)	Rasio Modal Inti (Tier 1) – persentase terhadap ATMR	N/A	N/A
63. Total capital (as a percentage of risk weighted assets)	Rasio Total Modal – persentase terhadap ATMR
64. Institution specific buffer requirement (minimum CET1 requirement plus capital conservation buffer plus countercyclical buffer requirements plus G-SIB buffer requirement, expressed as a percentage of risk weighted assets)	Tambahan modal (buffer) – persentase terhadap AMTR

National ...

Komponen (Bahasa Indonesia)	Jumlah (Dalam Jutaan Rupiah)	No. Ref. yang berasal dari Neraca Konsolidasi 1)	Pedoman Pengisian (tidak ditampilkan pada publikasi di Web Bank)	Bank Umum Konvensional	No. Ref. dari Laporan Publikasi KPMM 2)	Keterangan	Kantor Cabang dari Bank yang Berkedudukan di Luar Negeri	No. Ref. dari Laporan Publikasi KPMM 2)	Keterangan
65. of which: capital conservation buffer requirement	Capital Conservation Buffer
66. of which: Bank specific countercyclical buffer requirement	Countercyclical Buffer
67. of which: G-SIB buffer requirement	Capital Surcharge untuk Bank Sistemik
68. Common Equity Tier 1 available to meet buffers (as a percentage of risk weighted assets)	Untuk bank umum konvensional: Modal Inti Utama (CET 1) yang tersedia untuk memenuhi Tambahan Modal (Buffer) – persentase terhadap ATMR Untuk kantor cabang dari Bank yang berkedudukan di luar negeri: Bagian Dana Usaha yang ditempatkan dalam CEMA (diungkapkan sebagai persentase dari ATMR) yang tersedia untuk memenuhi Buffer.

Deferred ...

Komponen (Bahasa Indonesia)	Jumlah (Dalam Jutaan Rupiah)	No. Ref. yang berasal dari Neraca Konsolidasi 1)
National minima (if different from Basel 3)	National minima (jika berbeda dari Basel 3)
69. National Common Equity Tier 1 minimum ratio (if different from Basel 3 minimum)	Rasio terendah CET 1 nasional (jika berbeda dengan Basel 3)	N/A
70. National Tier 1 minimum ratio (if different from Basel 3 minimum)	Rasio terendah Tier 1 nasional (jika berbeda dengan Basel 3)	N/A
71. National total capital minimum ratio (if different from Basel 3 minimum)	Rasio terendah total modal nasional (jika berbeda dengan Basel 3)	N/A
Amounts below the thresholds for deduction (before risk weighting)	Jumlah di bawah batasan pengurangan (sebelum pembobotan risiko)
72. Non-significant investments in the capital of other financials	Investasi nonsignifikan pada modal entitas keuangan lain	N/A
73. Significant investments in the common stock of financials	Investasi signifikan pada saham biasa entitas keuangan	N/A
74. Mortgage servicing rights (net of related tax liability)	Mortgage servicing rights (net dari kewajiban pajak)	N/A

Cap ...

Komponen (Bahasa Indonesia)	Jumlah (Dalam Jutaan Rupiah)	No. Ref. yang berasal dari Neraca Konsolidasi 1)
75. Deferred tax assets arising from temporary differences (net of related tax liability)	Aset pajak tangguhan yang berasal dari perbedaan temporer (net dari kewajiban pajak)	N/A
Applicable caps on the inclusion of provisions in Tier 2	Cap yang dikenakan untuk provisi pada Tier 2
76. Provisions eligible for inclusion in Tier 2 in respect of exposures subject to standardised approach (prior to application of cap)	Provisi yang dapat diakui sebagai Tier 2 sesuai dengan eksposur berdasarkan pendekatan standar (sebelum dikenakan cap)	N/A
77. Cap on inclusion of provisions in Tier 2 under standardised approach	Cap atas provisi yang diakui sebagai Tier 2 berdasarkan pendekatan standar	N/A
78. Provisions eligible for inclusion in Tier 2 in respect of exposures subject to internal ratings-based approach (prior to application of cap)	Provisi yang dapat diakui sebagai Tier 2 sesuai dengan eksposur berdasarkan pendekatan IRB (sebelum dikenakan cap)	N/A

Current ...

Komponen (Bahasa Indonesia)	Jumlah (Dalam Jutaan Rupiah)	No. Ref. yang berasal dari Neraca Konsolidasi 1)
79. Cap for inclusion of provisions in Tier 2 under internal ratingsbased approach	Cap atas provisi yang diakui sebagai Tier 2 berdasarkan pendekatan IRB	N/A
Capital instruments subject to phase-out arrangements (only applicable between 1 Jan 2018 and 1 Jan 2022)	Instrumen Modal yang termasuk phase out (hanya berlaku antara 1 Jan 2018 s.d. 1 Jan 2022)
80. Current cap on CET1 instruments subject to phase out arrangements	Cap pada CET 1 yang temasuk phase out	N/A
81. Amount excluded from CET1 due to cap (excess over cap after redemptions and maturities)	Jumlah yang dikecualikan dari CET 1 karena adanya cap (kelebihan di atas cap setelah redemptions dan maturities)	N/A
82. Current cap on AT1 instruments subject to phase out arrangements	Cap pada AT 1 yang temasuk phase out	N/A
83. Amount excluded from AT1 due to cap (excess over cap after redemptions and maturities)	Jumlah yang dikecualikan dari AT 1 karena adanya cap (kelebihan di atas cap setelah redemptions dan maturities)	N/A

Pedoman ...

Komponen (Bahasa Indonesia)	Jumlah (Dalam Jutaan Rupiah)	No. Ref. yang berasal dari Neraca Konsolidasi 1)	Pedoman Pengisian (tidak ditampilkan pada publikasi di Web Bank)	Bank Umum Konvensional	No. Ref. dari Laporan Publikasi KPMM 2)	Keterangan	Kantor Cabang dari Bank yang Berkedudukan di Luar Negeri	No. Ref. dari Laporan Publikasi KPMM 2)	Keterangan
84. Current cap on T2 instruments subject to phase out arrangements	Cap pada Tier 2 yang temasuk phase out	N/A
85. Amount excluded from T2 due to cap (excess over cap after redemptions and maturities)	Jumlah yang dikecualikan dari Tier 2 karena adanya cap (kelebihan di atas cap setelah redemptions dan maturities)	N/A

: Diisi oleh Bank berdasarkan hasil rekonsiliasi antara komponen permodalan sesuai Format Standar Pengungkapan Perhitungan Permodalan dengan pos-pos yang sama dalam Neraca yang dipublikasikan (hanya ditampilkan jika terdapat rekonsiliasi sebagaimana pada Bagian 2).
: Sesuai pedoman Pengisian Perhitungan Kewajiban Penyediaan Modal Minimum Triwulanan Bank Umum Konvensional/Kantor Cabang dari Bank yang Berkedudukan di Luar Negeri

Penjelasan mengenai warna baris:

baris dengan warna abu-abu gelap menunjukkan judul dari masing-masing bagian komponen permodalan tertentu.
baris dengan warna abu-abu terang tanpa garis batas (border) tebal menunjukkan jumlah dari masing-masing bagian komponen permodalan tertentu.
baris dengan warna abu-abu terang dengan garis batas (border) tebal menunjukkan komponen utama permodalan atau rasio-rasio permodalan.

b. Section 2 ...
2) Filling Guidelines
Standard Format for Capital Calculation Disclosure

The Standard Format is structured with reference numbers as established by the BCBS.
Items with no balance (nil) are filled with a sign ( - ).
Items marked N/A are items that are not applicable, so they are filled with (N/A).
To maintain consistency and compatibility of the Standard Format, Banks cannot add, reduce, or change the definitions/explanations in the provided rows.
Banks must ensure that the amounts reported in the Standard Format are the same as the amounts reported in the Public Capital Adequacy Ratio (KPMM) Report for the same period.
Explanations regarding items in the Standard Format can be seen in Annex 1 of the document "Composition of Capital Disclosure Requirements" issued by the Basel Committee on Banking Supervision, June 2012.

Example ... b. Section 2: Capital Reconciliation Banks must prepare a reconciliation between capital components according to the Standard Format as referred to in Section 1 with the same items in the published Balance Sheet. The purpose of this reconciliation is so that readers can compare and understand the amounts reported in the Standard Format and the amounts reported in the Balance Sheet. Explanations regarding the Capital Reconciliation process can be seen in Annex 2 of the document "Composition of Capital Disclosure Requirements" issued by the Basel Committee on Banking Supervision, June 2012. In performing the reconciliation, there are 3 steps that need to be taken, namely:

Step 1
Banks present the published Balance Sheet and add one column to the right, filling it with Balance Sheet figures with a consolidation scope in accordance with prudential regulations. If there are items in the consolidated Balance Sheet with a consolidation scope in accordance with prudential principles that do not exist in the Public Balance Sheet, the Bank may add such items, and the Public Balance Sheet is filled with a zero value.

Step 2 ...
Example:
Comparison of Public Balance Sheet with Consolidated Balance Sheet according to the scope of prudential regulations. Public Balance Sheet Items Consolidated Balance Sheet with consolidation scope based on prudential regulations Position Report Date Position Report Date ASSETS

Cash
Deposits at Bank Indonesia
.....
Intangible assets
Accumulated amortization of intangible assets
...
TOTAL ASSETS
LIABILITIES AND EQUITY
Demand Deposits
Savings
Time Deposits
....
Loans Received
...
Paid-up Capital
...
TOTAL LIABILITIES AND EQUITY

In the event of a difference in consolidation scope between accounting scope (accounting scope) and based on prudential regulations (regulatory scope), the Bank must disclose a list of names of Subsidiary Companies accompanied by total assets and total equity, as well as an explanation regarding the main activities of each of these Subsidiary Companies. In the event that there is no difference in consolidation scope in the Bank's Balance Sheet or the Bank is a single entity, the Bank only needs to present the Public Balance Sheet (no need to add a column), and the Bank can directly proceed to Step 2.

Furthermore ...
Step 2
In this step, Banks are asked to add rows to the Balance Sheet in the event that there are components contained in the Standard Format in Section 1 that are not detailed in the Balance Sheet. The number of added items corresponds to the needs and complexity of each Bank. The purpose of this step is so that report readers can compare components reported in the Standard Format with items listed in the Balance Sheet. Each added row is given a reference number. Example 1:
In the Bank's Balance Sheet, there is an item Intangible Assets, if in that item there is also an item Goodwill which is also reported in the Standard Format (row no. 8), then the Bank must detail the Intangible Assets item, for example:
Intangible Assets
Goodwill
Other Intangible Assets

Next, the Bank is asked to provide a reference number for the Goodwill item, for example with reference number a. This reference number will also be included in the Goodwill component (row no. 8) in the Standard Format. Example 2:
In the Bank's Balance Sheet there is an item Loans Received. If in that item there are Additional Tier 1 (AT1) Capital instruments reported in the Standard Format, then the Bank is asked to detail that item into:
Loans Received
Recognized in AT 1
Not Recognized as Capital Component

Step 3 ...
Next, the Bank is asked to provide a reference number for the detail of the Loan Capital item, for example with reference number b, for Loans Received – Recognized in AT 1. Next, in the Standard Format for Capital Calculation Disclosure, reference number b is included in the AT 1 Instruments issued by the Bank - which are classified as liabilities based on accounting standards (row no. 32).

Public Balance Sheet Items
Consolidated Balance Sheet with consolidation scope based on prudential regulations Ref. No. Position Report Date Position Report Date ASSETS

Cash
Deposits at Bank Indonesia
.....
Intangible assets
Goodwill a
Other intangible assets
Accumulated amortization of intangible assets
...
TOTAL ASSETS
LIABILITIES AND EQUITY
Demand Deposits
Savings
Time Deposits
....
Loans Received
Recognized in AT 1 b
Not Recognized as
Capital Component
…
Paid-up Capital
…
TOTAL LIABILITIES AND EQUITY

c. Section 3 ...
Step 3
In this step, Banks are asked to add 1 column to the Standard Format as explained in Step 1, to be filled with Ref. No. according to the reference number created in the same item in the Balance Sheet (which was prepared in Step 2). The purpose of this step is to show report readers the source of the numbers reported in the KPMM calculation that come from the Balance Sheet. Based on example 1 and example 2 in Step 2, the Standard Format example becomes as follows:

Common Equity Tier 1 capital:
regulatory adjustments
CET 1: Reduction Factors
(Regulatory Adjustment)
Amount (In
Millions of Rupiah)
Ref. No. from
Consolidated
Balance Sheet
7. Prudential valuation
adjustments
Shortfall in the amount of fair value adjustments of financial instruments in the trading book
8. Goodwill (net of related tax
liability)
Goodwill a
9. Other intangibles other than
mortgage-servicing rights (net of related tax liability) Other intangible assets (except Mortgage-Servicing Rights) …
30. Directly issued qualifying
Additional Tier 1 instruments plus related stock surplus AT 1 Instruments issued by the Bank (including stock surplus)
31. of which: classified as equity
under applicable accounting standards
Classified as equity based on accounting standards
32. of which: classified as
liabilities under applicable accounting standards Classified as liabilities based on accounting standards b …
46. Directly issued qualifying Tier
2 instruments plus related stock surplus
T2 Instruments issued by the Bank (including stock surplus)

Coupon/dividend ...
c. Section 3: Detail of Capital Instrument Features

Report Format
Disclosure of Detail of Capital Instrument Features Filling Guidelines (not displayed on Bank's Web Publication) No. Question Answer

Issuer Filled with the issuer of the instrument.
Identification Number Filled with unique identification of the issuance of that instrument
(for example, number recorded in the stock exchange, ISIN, etc.)
Applicable Law Filled with the law used, for example: Indonesian law
Instrument Treatment based on KPMM regulations
During the transition period N/A OJK regulations regarding KPMM do not adopt a transition period
After the transition period Filled with the choice: CET 1, AT 1, Tier 2, or Not Eligible
Is the instrument eligible for Solo/Group or
Group and Solo
Filled with the choice: Solo; Group; or Group and Solo
Type of instrument Filled with the type of instrument with the choice:
Common Stock, Preferred Stock, Subordinated Securities, Subordinated Loan, Securities, or other loans
Amount recognized in KPMM calculation Filled in Millions of Rupiah
Par value of the instrument Filled in Millions of Rupiah
Accounting Classification Filled with the choice:
Equity; Liability – Amortised Cost; Liability – Fair Value Option; Non-controlling Interest
Issuance Date Filled:
dd/mm/yyyy
No maturity (perpetual) or with maturity Filled with the choice:
Perpetual or With Maturity
Maturity Date For instruments with maturity, fill in the maturity date:
dd/mm/yyyy.
For perpetual instruments fill in:
No maturity date
Execution of call option with Bank Supervisor's Approval Filled with the choice: Yes; No
Call option date, withdrawal amount and other call
option requirements (if any)
Filled with the call option date (dd/mm/yyyy), other Call Option requirements and withdrawal amount (in millions of rupiah)
Subsequent call option Filled if there is a subsequent call option feature (how many times Call
Option can be exercised).

If ...
Disclosure of Detail of Capital Instrument Features Filling Guidelines (not displayed on Bank's Web Publication) No. Question Answer Coupon/dividend
17. Fixed or floating Filled with the choice:

Fixed: if the coupon or dividend is fixed during the instrument's
lifetime;
Floating: if the coupon or dividend is floating during the
instrument's lifetime;
Fixed to floating: if the coupon/dividend is currently fixed, but
can change to floating in the future; or
Floating to fixed: if the coupon/dividend is currently floating,
but can change to fixed in the future

Rate of coupon rate or other index that becomes
the reference
Filled with the rate of the coupon or index that becomes the reference for the coupon rate or dividend rate.
Existence or non-existence of dividend stopper Filled with the choice: Yes or No
Fully discretionary; partial or mandatory Whether the Bank has full or partial right to cancel
coupon or dividend, or cannot cancel coupon/dividend.
Filled with the choice: Fully discretionary, Partially Discretionary, or Mandatory
Is there a step up feature or other incentives Filled with the choice: Yes or No
Noncumulative or cumulative Filled with the choice: Noncumulative; or Cumulative
Convertible or non-convertible Filled with the choice: Convertible; or Non-convertible
If convertible, state its trigger point Filled with the condition (trigger point) when the instrument is converted,
including point of non-viability.
If convertible, whether all or part Filled with an explanation for each trigger point whether the
instrument will: (i) definitely be converted fully; (ii) likely be converted fully or partially; or (iii) definitely be converted partially.
If converted, how is the conversion rate Filled with an explanation of the conversion rate for the instrument.
If converted; whether mandatory or optional Filled with the choice: Mandatory, Optional, or N/A
If converted, state the type of conversion instrument Filled with the choice: CET 1, AT 1, Tier 2, or N/A
If converted, state the issuer of the instrument it converts
into
Filled with an explanation of the issuer of the instrument it converts into
Write-down feature Filled with the choice: Yes or No
If a write-down occurs, state its trigger Filled with an explanation of the condition or trigger point of the write-down
feature, including point of non-viability.

Guidelines ...
Disclosure of Detail of Capital Instrument Features Filling Guidelines (not displayed on Bank's Web Publication) No. Question Answer

If a write-down occurs, whether full or partial For each trigger point for the write-down feature, explain whether
the instrument will be written down: (i) will always be written down fully; (ii) likely to be written down partially; (iii) will always be written down partially.
If a write-down occurs; permanent or temporary Filled with the choice: Permanent or Temporary
If a temporary write-down occurs, explain
the write-up mechanism
Filled with an explanation of the write-up mechanism.
Instrument hierarchy upon liquidation Filled with an explanation of the instrument hierarchy upon liquidation.
Is there a non-compliant feature Filled with the choice: Yes or No
If Yes, explain the non-compliant feature Filled with an explanation of the non-compliant feature.
Report ...

Filling Guidelines
Disclosure of Detail of Capital Instrument Features

Every capital instrument issued by the Bank must be disclosed in the Disclosure of Detail of Capital Instrument Features.
This disclosure uses the format provided by Basel, and is a minimum standard. Banks can add other important features if based on the Bank's assessment or the Bank Supervisor's assessment, that feature is important to be disclosed.
Banks are asked to update this disclosure if there are changes in features of the capital instrument, for example if there is the issuance of new instruments, payments, withdrawals or conversions, or other material changes to existing capital instruments.
In the event that there are features that are not applicable (not applicable) or not relevant, they are filled with N/A.
Explanations of the definitions of items in the Disclosure of Detail of Capital Instrument Features can be seen in Annex 3 of the document "Composition of Capital Disclosure Requirements" issued by the Basel Committee on Banking Supervision, June 2012.

LIQUIDITY ...
11. Quarterly Liquidity Coverage Ratio Report
a. Quantitative Information

Report Format
QUARTERLY LIQUIDITY COVERAGE RATIO COMPLIANCE CALCULATION REPORT Bank Name :
Report Position :
(in millions of rupiah)
No. Component
INDIVIDUAL CONSOLIDATED
Report Position Report Date Previous Report Position Previous Report Date Outstanding value of liabilities and commitments/ contractual claim value HQLA value after value reduction (haircut) or Outstanding liabilities and commitments multiplied by run-off rate or Contractual claim value multiplied by inflow rate Outstanding value of liabilities and commitments/ contractual claim value HQLA value after value reduction (haircut) or Outstanding liabilities and commitments multiplied by run-off rate or Contractual claim value multiplied by inflow rate Outstanding value of liabilities and commitments/ contractual claim value HQLA value after value reduction (haircut) or Outstanding liabilities and commitments multiplied by run-off rate or Contractual claim value multiplied by inflow rate Outstanding value of liabilities and commitments/ contractual claim value HQLA value after value reduction (haircut) or Outstanding liabilities and commitments multiplied by run-off rate or Contractual claim value multiplied by inflow rate 1. Data Sum Points used in LCR calculation …. days …. days N/A …. days …. days HIGH QUALITY LIQUID ASSET (HQLA) 2. Total High Quality Liquid Asset (HQLA)

c. letter ...
No. Component
INDIVIDUAL CONSOLIDATED
Report Position Report Date Previous Report Position Previous Report Date Outstanding value of liabilities and commitments/ contractual claim value HQLA value after value reduction (haircut) or Outstanding liabilities and commitments multiplied by run-off rate or Contractual claim value multiplied by inflow rate Outstanding value of liabilities and commitments/ contractual claim value HQLA value after value reduction (haircut) or Outstanding liabilities and commitments multiplied by run-off rate or Contractual claim value multiplied by inflow rate Outstanding value of liabilities and commitments/ contractual claim value HQLA value after value reduction (haircut) or Outstanding liabilities and commitments multiplied by run-off rate or Contractual claim value multiplied by inflow rate Outstanding value of liabilities and commitments/ contractual claim value HQLA value after value reduction (haircut) or Outstanding liabilities and commitments multiplied by run-off rate or Contractual claim value multiplied by inflow rate CASH OUTFLOWS (CASH OUTFLOWS) 3. Retail savings and Funding from Micro Business and Small Business Customers, consisting of:
a. Stable
Savings/
Funding b. Less stable
Savings/
Funding
4.
Funding from corporate customers, consisting of:
a. Operational
Deposits b. Non-operational deposits and/or other non-operational liabilities

facility ...
No. Component
INDIVIDUAL CONSOLIDATED
Report Position Report Date Previous Report Position Previous Report Date Outstanding value of liabilities and commitments/ contractual claim value HQLA value after value reduction (haircut) or Outstanding liabilities and commitments multiplied by run-off rate or Contractual claim value multiplied by inflow rate Outstanding value of liabilities and commitments/ contractual claim value HQLA value after value reduction (haircut) or Outstanding liabilities and commitments multiplied by run-off rate or Contractual claim value multiplied by inflow rate Outstanding value of liabilities and commitments/ contractual claim value HQLA value after value reduction (haircut) or Outstanding liabilities and commitments multiplied by run-off rate or Contractual claim value multiplied by inflow rate Outstanding value of liabilities and commitments/ contractual claim value HQLA value after value reduction (haircut) or Outstanding liabilities and commitments multiplied by run-off rate or Contractual claim value multiplied by inflow rate
c. securities
in the form of debt securities issued by the bank (unsecured debt) 5.
Secured funding
(secured funding)
6.
Other cash outflows
(additional requirement), consisting of:
a. cash outflows from derivative transactions b. cash outflows from increased liquidity needs
c. cash
outflows from funding loss d. cash outflows from commitment withdrawal

smooth ...
No. Component
INDIVIDUAL CONSOLIDATED
Report Position Report Date Previous Report Position Previous Report Date Outstanding value of liabilities and commitments/ contractual claim value HQLA value after value reduction (haircut) or Outstanding liabilities and commitments multiplied by run-off rate or Contractual claim value multiplied by inflow rate Outstanding value of liabilities and commitments/ contractual claim value HQLA value after value reduction (haircut) or Outstanding liabilities and commitments multiplied by run-off rate or Contractual claim value multiplied by inflow rate Outstanding value of liabilities and commitments/ contractual claim value HQLA value after value reduction (haircut) or Outstanding liabilities and commitments multiplied by run-off rate or Contractual claim value multiplied by inflow rate Outstanding value of liabilities and commitments/ contractual claim value HQLA value after value reduction (haircut) or Outstanding liabilities and commitments multiplied by run-off rate or Contractual claim value multiplied by inflow rate credit facilities and liquidity facilities e. cash outflows from other contractual liabilities related to fund distribution f. cash outflows from contingent funding liabilities g. other contractual cash outflows 7. TOTAL CASH OUTFLOWS (CASH OUTFLOWS) CASH INFLOWS (CASH INFLOWS) 8. Secured lending Secured lending 9. Claims from counterparties that are

Guidelines ...
No. Component
INDIVIDUAL CONSOLIDATED
Report Position Report Date Previous Report Position Previous Report Date Outstanding value of liabilities and commitments/ contractual claim value HQLA value after value reduction (haircut) or Outstanding liabilities and commitments multiplied by run-off rate or Contractual claim value multiplied by inflow rate Outstanding value of liabilities and commitments/ contractual claim value HQLA value after value reduction (haircut) or Outstanding liabilities and commitments multiplied by run-off rate or Contractual claim value multiplied by inflow rate Outstanding value of liabilities and commitments/ contractual claim value HQLA value after value reduction (haircut) or Outstanding liabilities and commitments multiplied by run-off rate or Contractual claim value multiplied by inflow rate Outstanding value of liabilities and commitments/ contractual claim value HQLA value after value reduction (haircut) or Outstanding liabilities and commitments multiplied by run-off rate or Contractual claim value multiplied by inflow rate smooth (inflows from fully performing exposures) 10. Other cash inflows 11. TOTAL CASH INFLOWS (CASH INFLOWS) TOTAL ADJUSTED VALUE1 TOTAL ADJUSTED VALUE1 TOTAL ADJUSTED VALUE1 TOTAL ADJUSTED VALUE1

TOTAL HQLA

TOTAL NET
CASH
OUTFLOWS
14. LCR (%)
Note: 1 Adjusted value is calculated after the application of value reduction (haircut), run-off rate, and inflow rate as well as maximum limits of HQLA components, for example maximum limits for HQLA Level 2B and HQLA Level 2 and maximum limits for cash inflows that can be calculated in LCR.

Total ...

Filling Guidelines
Liquidity Coverage Ratio (LCR) Compliance Calculation Report Quarterly

Data for each row in the quarterly LCR report is calculated using:
a. average data from the position at the end of each month in the quarterly reporting period until:

the March 2017 position, for Banks included in the BUKU 4 group and branches of banks domiciled abroad; and
the September 2017 position, for Banks included in the BUKU 3 group and foreign banks other than branches of banks domiciled abroad.
b. average data from daily positions in the quarterly reporting period according to the number of data points used in the quarterly LCR calculation since:
the June 2017 position, for Banks included in the BUKU 4 group and branches of banks domiciled abroad, since Banks were required to calculate daily LCR starting April 1, 2017; and
the December 2017 position, for Banks included in the BUKU 3 group and foreign banks other than branches of banks domiciled abroad, since Banks were required to calculate daily LCR starting October 1, 2017.

Number of data points used in the quarterly LCR calculation.
Filled with the number of days used to calculate the quarterly LCR:
a. starting from the June 2017 position report, for Banks included in the BUKU 4 group and branches of banks domiciled abroad, since Banks were required to calculate daily LCR starting April 1, 2017; and b. starting from the December 2017 position report, for Banks included in the BUKU 3 group and foreign banks other than branches of banks domiciled abroad, since Banks were required to calculate daily LCR starting October 1, 2017.

b. letter ...
3. Total High Quality Liquid Asset (HQLA)
Filled with the total HQLA owned by the Bank after applying haircuts for each HQLA Level, consisting of HQLA Level 1, HQLA Level 2A, and HQLA Level 2B. HQLA Level 1 consists of:
a. cash and cash equivalents; b. placements at Bank Indonesia, including SBI and Minimum Reserve Requirements (GWM);
c. securities issued or guaranteed by other countries' governments, other countries' central banks, public sector entities, multilateral development banks, and/or international institutions as referred to in regulations governing the calculation guidelines for risk-weighted assets for Credit Risk using the standard approach, which meet the requirements as referred to in Financial Services Authority regulations regarding liquidity coverage ratio compliance obligations for Commercial Banks;
d. securities issued by the Central Government and Bank Indonesia in Rupiah and foreign currency. Securities issued by the Central Government and Bank Indonesia in foreign currency that can be counted as HQLA Level 1 are limited to the maximum amount of net cash outflows in the relevant foreign currency; e. securities issued by other countries' governments and central banks with a risk weight greater than 0% (zero percent) in foreign currency provided that:

the Bank has subsidiaries or branches in the relevant country; and
limited to the maximum amount of outflows in the currency of the country issuing the relevant foreign currency securities.
The outflows referred to in item e.2) are net cash outflows.
HQLA Level 2A consists of:
a. securities issued or guaranteed by other countries' governments, other countries' central banks, public sector entities, and/or multilateral development banks; and/or

Funding ...
b. securities in the form of debt securities issued by corporations, including commercial paper, and covered bonds but excluding subordinated bonds, which meet the requirements as referred to in Financial Services Authority regulations regarding liquidity coverage ratio compliance obligations for Commercial Banks. HQLA Level 2B consists of:
a. asset-backed securities in the form of residential mortgages; b. securities in the form of debt securities issued by corporations including commercial paper; and/or
c. ordinary shares owned by non-bank subsidiaries,
which meet the requirements as referred to in Financial Services Authority regulations regarding liquidity coverage ratio compliance obligations for Commercial Banks.
Retail Customer Deposits and Funding from Micro and Small Business Customers, consisting of:
a. Stable Deposits/Funding
Filled with the outstanding value of Deposits/Funding that meet the deposit insurance guarantee criteria by the Deposit Insurance Corporation and meet the requirements:

the customer has a relationship or affiliation with the Bank such that the likelihood of withdrawal of Deposits is very small; or
the Deposit account is used for the customer's routine transaction needs.
b. Unstable Deposits/Funding
Filled with the outstanding value of Deposits/Funding that do not meet the criteria as referred to in letter a. The criteria for retail customer deposits and funding from micro and small business customers refer to Financial Services Authority regulations regarding liquidity coverage ratio compliance obligations for Commercial Banks.

Cash ...
Funding from Corporate Customers, consisting of:
a. Operational Deposits
Filled with the outstanding value of Deposits that meet the requirements:

used by corporate customers for clearing, custodian, or cash management activities that meet the criteria as referred to in Financial Services Authority regulations regarding liquidity coverage ratio compliance obligations for Commercial Banks; and
placed in separate accounts that do not provide economic incentives to customers placing their funds in excess of the transactional purpose of this account.
b. Non-operational Deposits and/or other non-operational liabilities Filled with the outstanding value of Deposits and/or liabilities from corporate customers that do not meet the requirements as operational deposits, consisting of:
deposits and/or other liabilities from non-financial companies, the Central Government, Bank Indonesia, other countries' governments, other countries' central banks, multilateral development banks, and/or public sector entities; and
deposits and/or other liabilities from other entities.
c. Securities in the form of debt securities issued by the Bank (unsecured debt)
Filled with the outstanding value of securities in the form of debt securities issued by the Bank, regardless of the security holder. The criteria for funding from corporate customers refer to Financial Services Authority regulations regarding liquidity coverage ratio compliance obligations for Commercial Banks.

Secured Funding
Filled with the outstanding value of the Bank's liabilities secured by a legal right over specific assets owned by the Bank in the event of bankruptcy, insolvency, liquidation, or resolution. Secured funding counted is secured funding that will mature within 30 (thirty) days.

e. Cash ...
7. Additional Cash Outflows
Filled with the outstanding value of other cash outflows in the next 30 (thirty) days, consisting of:
a. Cash Outflows from Derivative Transactions
Filled with the estimated cash outflows from derivative transactions based on the valuation method applicable at each Bank. b. Cash Outflows from Increased Liquidity Needs Filled with the estimated cash outflows from increased liquidity needs related to:

downgrade of the Bank's rating in funding, derivative, and other agreements;
mark-to-market changes over derivative or other transactions;
potential changes in collateral value for derivatives and other transactions;
excess non-segregated collateral held by the Bank that can be taken by the counterparty at any time contractually;
obligation to provide collateral to the counterparty for a specific transaction but the counterparty has not yet requested such collateral; and
potential swap of collateral in the form of HQLA into non-HQLA.
c. Cash Outflows from Loss of Funding
Filled with the estimated cash outflows from the risk of loss of funding related to:
loss of funding from asset-backed securities, covered bonds, and other structured financing instruments issued by the Bank; or
loss of funding from asset-backed commercial paper, conduits, securities investment vehicles, and similar financing facilities.
d. Cash Outflows from Withdrawal of Credit and Liquidity Facility Commitments Filled with the commitment obligations in the form of credit and liquidity facilities. Liquidity facility commitment obligations counted in the LCR are liquidity facility commitment obligations related to customer debts to third parties that will mature within the next 30 (thirty) days. In the event that customer debts to third parties will mature more than 30 (thirty) days from now, such facilities are categorized as credit facility commitment obligations.

TOTAL ...
e. Cash Outflows from Other Contractual Obligations Related to Fund Disbursement Filled with other contractual obligations related to fund disbursement to:

financial service institutions; and/or
retail and non-financial corporate customers.
f. Cash Outflows from Other Contingent Funding Obligations Filled with other cash outflows related to other contingent funding obligations including:
obligations arising from trade finance instruments;
obligations arising from unconditionally revocable uncommitted credit and liquidity facilities;
obligations arising from letters of credit (L/C) and guarantees not related to trade finance obligations;
obligations arising from potential requests to repurchase Bank debt or related to securities investment vehicles and other financing facilities;
obligations arising from structured products anticipated by customers through ready marketability;
obligations arising from managed funds sold to maintain value stability;
obligation to cover potential repurchase of securities in the form of debt, with or without collateral, having a maturity of more than 30 (thirty) days for issuers affiliated with dealers or market makers; and/or
non-contractual obligations for customer short positions protected by other customers' collateral.
g. Other Contractual Cash Outflows
Filled with other contractual cash outflows other than those in letters a to f.
Examples of other contractual cash outflows in the next 30 (thirty) days are outflows to cover unsecured collateral borrowing, unfilled short positions, dividends, or contractual interest payments. Cash outflows related to operational costs are not included in the calculation.

TOTAL ...
TOTAL CASH OUTFLOWS
Filled with the sum of all cash outflows as contained in items 3 to 6 after being multiplied by the run-off rate for each type of cash outflow.
Secured Lending
Filled with the outstanding value of the Bank's claims secured by a legal right over specific assets owned by the counterparty in the event the counterparty cannot fulfill its obligations.
Inflows from Fully Performing Exposures by Counterparty
Filled with the outstanding value of the Bank's performing claims based on counterparties, consisting of:
a. retail customers and Micro and Small Businesses; b. other customers consisting of:

financial service institutions and Bank Indonesia; and
others.

Other Cash Inflows
Filled with the outstanding value of cash inflows other than those in items 8 and 9 provided they meet the requirements:
a. arising from performing claims; and b. not expected to default within the next 30 (thirty) days.
TOTAL CASH INFLOWS
Filled with the sum of all cash inflows as contained in items 8 to 10 after being multiplied by the inflow rate for each type of cash inflow.

e. Adjusted ...
13. TOTAL ADJUSTED VALUE
Adjusted value is calculated after applying haircuts, run-off rates, inflow rates, and maximum limits for HQLA components, such as maximum limits for HQLA Level 2B and HQLA Level 2 and maximum limits for cash inflows that can be counted in the LCR.
14. TOTAL HQLA
Filled with total HQLA as contained in item 2 after adjusting for maximum limits of HQLA components. Total HQLA is obtained through the following formula:
Total HQLA = HQLA Level 1 + HQLA Level 2 – (Adjustment for maximum limit of HQLA Level 2B + Adjustment for maximum limit of HQLA Level 2). Where:
a. Adjustment for maximum limit of HQLA Level 2B which is 15% is the highest value between:

adjusted HQLA Level 2B – 15/85 (adjusted HQLA Level 1 + adjusted HQLA Level 2A);
adjusted HQLA Level 2B – (15/60 x HQLA Level 1); or
0 (zero).
b. Adjustment for maximum limit of HQLA Level 2 which is 40% is the highest value between:
adjusted HQLA Level 2A + adjusted HQLA Level 2B – adjustment for maximum limit of 15% HQLA Level 2 – (2/3 x adjusted HQLA Level 1); or
0 (zero).
c. Adjusted HQLA Level 1 is the value of HQLA Level 1 in the event of unwinding short-term Securities Financing Transactions (SFT) or collateral swap transactions involving the exchange of HQLA for HQLA Level 1 including cash that meets, or will meet, HQLA criteria if the asset is unencumbered, which is an operational requirement for HQLA.
d. Adjusted HQLA Level 2A is the value of HQLA Level 2A in the event of unwinding short-term SFT and collateral swap transactions involving the exchange of HQLA for HQLA Level 2A that meet, or will meet, HQLA criteria if the asset is unencumbered, as an operational requirement for HQLA.

b. Information ... the operational requirements for HQLA. e. Adjusted HQLA Level 2B is the value of HQLA Level 2B in the event of unwinding short-term SFT and collateral swap transactions involving the exchange of HQLA for HQLA Level 2B assets that meet, or will meet, HQLA criteria if the asset is unencumbered, as an operational requirement for HQLA. f. In this context, short-term transactions are transactions with a maturity date up to 30 calendar days.
15. TOTAL NET CASH OUTFLOWS
Filled with the total estimated cash outflows as contained in item 7 minus the total estimated cash inflows as contained in item 11 after being adjusted with the maximum limit of cash inflows that can be counted in the LCR.
16. LCR
Filled with the comparison result between Total HQLA as referred to in item 13 and total net cash outflows as referred to in item 14.

Guidelines ...
b. Qualitative Information
Report Format
LIQUIDITY COVERAGE RATIO COMPLIANCE CALCULATION ANALYSIS QUARTERLY Bank Name :
Report Position :
Individual Analysis
Consolidated Analysis

Besides ...

Filling Guidelines
Liquidity Coverage Ratio Compliance Calculation Analysis Quarterly

Besides quantitative information, Banks must disclose additional qualitative information both individually and on a consolidated basis, in the form of explanations regarding the calculation and value of the LCR in the Quarterly LCR Report.
Qualitative LCR information is filled with the analysis results of the bank's liquidity conditions, considering the significance of LCR components as in the quantitative calculation. Examples of qualitative LCR information disclosure include:
a. main factors affecting the published LCR ratio and their influence on the movement of LCR calculations over time; b. trends in LCR values compared to previous period values;
c. composition of High Quality Liquid Assets (HQLA);
d. concentration of funding sources; e. derivative exposures and potential for collateral calls (increased liquidity needs related to rating downgrades from funding, derivative, and other agreements); f. currency mismatches in the LCR; g. explanations related to liquidity management, such as the level of centralization of liquidity management and interactions between work unit groups; and/or h. other cash inflows and outflows in the LCR calculation not covered in the LCR disclosure template as regulated in Financial Services Authority regulations regarding liquidity coverage ratio compliance obligations for Commercial Banks, but considered relevant to the Bank's liquidity profile.

III. GUIDELINES ...
3. Besides disclosing qualitative LCR information in item 2 above, Banks may also disclose other qualitative information regarding the application of Liquidity Risk Management as regulated in Financial Services Authority regulations regarding risk management application for Commercial Banks. This information includes:
a. active supervision by the Board of Directors and Board of Commissioners, including Liquidity Risk Management organization, internal liquidity reporting, Liquidity Risk strategy communication, policies and practices across all business lines and with the Board of Directors; b. adequacy of risk management policies and procedures, and risk limit setting, including risk tolerance, Liquidity Risk mitigation techniques including early warning indicators of liquidity problems, stress testing methods used, and emergency funding plans;
c. adequacy of risk identification, measurement, monitoring, and control processes, and risk management information systems, including funding strategies covering diversification strategies for funding sources and maturities linked to the Bank's characteristics and business plans; and
d. comprehensive internal control systems, including internal controls over the application of Liquidity Risk management processes by the Internal Audit Unit (SKAI) and independent reviews conducted by the Risk Management Unit (SKMR).

not ...
III. GUIDELINES FOR PREPARING ANNUAL PUBLICATION REPORTS (ANNUAL REPORTS)

General
Format and filling guidelines for:
a. Financial Position Report (Balance Sheet); b. Profit and Loss and Other Comprehensive Income Report;
c. Commitments and Contingencies Report;
d. Conventional Commercial Bank Minimum Capital Provision Calculation Report; e. Minimum Capital Provision Calculation Report for Branches of Banks Domiciled Abroad; f. Productive Asset Quality and Other Information Report; g. Financial Ratio Report; and h. Spot and Derivative Transactions Report, follow the report format and filling guidelines as referred to in items II.1 to 8. Banks may make necessary adjustments to the report formats 1.a to 1.c according to the audit results by the Public Accountant.
Capital Disclosure and Risk Management Practices Applied by the Bank
a. Disclosure of quantitative risk exposure information for Credit Risk, Market Risk, Operational Risk, and Liquidity Risk follows the report format and filling guidelines as referred to in item II.9. b. Figures in capital disclosure and disclosure of quantitative risk exposure information and the Bank's risk management application are presented in Rupiah.
c. The scope of disclosure regulated in capital disclosure and risk exposure and risk management application disclosure is the minimum standard that must be submitted by the Bank. Banks are permitted to make more extensive disclosures to describe risk exposures, risk management practices, and capital adequacy owned.
d. Capital disclosure and risk exposure and risk management application disclosure consist of disclosure for the Bank individually and on a consolidated basis with Subsidiary Entities. e. Banks that do not have Subsidiary Entities only include capital disclosure and risk exposure and risk management application disclosure for the Bank individually. f. Banks that do not have specific exposures according to the minimum capital disclosure and risk exposure and risk management application disclosure requirements,
Bank...

IV. GUIDELINES ...
need not include tables related to such exposure disclosure. Banks only need to include an explanation that the Bank does not have exposures in the relevant disclosure section. Example: A Bank that does not have asset securitization exposures only includes an explanation that the Bank does not have asset securitization exposures in the asset securitization disclosure section. g. Qualitative disclosure related to the application of risk management as referred to in this Financial Services Authority Circular refers to regulations regarding risk management application for Commercial Banks. h. Capital disclosure and risk exposure and risk management application disclosure by the Bank are not required to be audited by a Public Accountant. However, Banks must make all necessary efforts to ensure the accuracy of all required disclosures.
i. Quantitative capital disclosure and risk exposure and risk management application disclosure by the Bank are presented in the form of comparison with the same period's report in the previous year. Specifically for first-time disclosures, Banks do not need to compare with the previous year.

IV. GUIDELINES FOR PREPARING REPORTS OF MATERIAL INFORMATION AND/OR FACTS

Established in Jakarta on 28 September 2016
EXECUTIVE HEAD OF BANKING SUPERVISION
FINANCIAL SERVICES AUTHORITY,

signed

NELSON TAMPUBOLON

Number: Place, date, month, year
Attachment:
Subject: Report of Material Information and/or Facts

To:
In Jakarta

Bank Name:
Telephone/Fax:
Email:
Address:

Report Content:

Type of material information and/or facts
Description of material information and/or facts
Impact of the incident, information, and/or material facts on the Bank's operational activities, legal matters, financial condition, or going concern
Location of the incident
Actions taken
Follow-up plans
Other information
Date and time of the incident

Signature
(Board of Directors Member)

Signature
(President Director)

MATERIAL INFORMATION AND/OR FACTS REPORT

Executive Head of Banking Supervision
Financial Services Authority

Hereby, we, on behalf of the Bank, submit the Report of Material Information and/or Facts as follows:

Copy is true to the original

Legal Director 1
Legal Department

signed

Yuliana

SEOJK on Transparency and Publication of Conventional Commercial Bank Reports

Lineage: In force