3. pt. bank rakyat indonesia (persero) tbk

2121212121Direktori Perbankan Indonesia 2011 - Vol. 13, September 2012(Indonesia Banking Directory 2011 - Vol. 13, September 2012)

BANK PERSERO (STATE OWNED BANKS)Direktori Perbankan Indonesia 2011(Indonesia Banking Directory 2011)

PT. BANK RAKYAT INDONESIA (PERSERO), Tbk.

Jl. Jend Sudirman Kav. 44-46, Jakarta 10210

Telp. : (021) 2510244, 2510254, 2510269-264

Fax : (021) 2500077, 2500065

Telex : 65301, 65293 BRI IA , Swift Code : BRIN ID JA

Website : www.bri.co.id

JUMLAH KANTOR / NUMBER OF OFFICES

Surat Keputusan (SK) Pendirian Bank/ : C2-6584.HT.01.01TH92Decision Letter of Bank EstablishmentSebutan Bank / Called Bank : BANK BRI

Sejarah Penggantian Nama / : 1. BANK RAKYAT INDONESIA - 22 Februari 1946Historical Change of Name 2. PT. BANK RAKYAT INDONESIA (PERSERO) - 31 Juli 1992

3. PT. BANK RAKYAT INDONESIA (PERSERO) Tbk. - 10 November 2003Penggabungan Usaha / Merger : -Izin menjadi Bank Devisa / : DEWAN MONETER, No. SEKR/BRI/328, Tgl. 25 September 1956License to opperate as Foreign Exchange BankTanggal Masuk Bursa / Listing Date : 10 November 2003

DALAM NEGERI / DOMESTICKantor Pusat / Head Office : 1Kantor Wilayah / Regional Office : 18Kantor Cabang / Branch Office : 427Kantor Cabang Pembantu / Sub Branch Office : 502Kantor Kas / Cash Office : 481Anjungan Tunai Mandiri / Automatic Teller Machine : 7.292Kantor Inspeksi / Inspection Office : 15KK SSB / KK SSB : 389Teras BRI / Teras BRI : 1.304Kantor Unit / Unit Office : 4.849

President Komisaris / Chief Commissioner : Bunasor Sanim

Komisaris / Commissioner : - Adhyaksa Dault

- Aviliani

- Hermanto Siregar

- Heru Lelono

- Agus Suprijanto

DATA POKOK POSISI DESEMBER 2011 / MAIN DATA AS OF DECEMBER 2011

DEWAN KOMISARIS / BOARD OF COMMISSIONERS

Direktur Utama / : Sofyan BasirPresident DirectorDirektur / Director : - Gatot Mardiwasisto

- Randi Anto- Djarot Kusumayakti- Suprajarto- Asmawi Syam- Lenny Sugihat- Agus Toni Soetirto- Sulaiman Arif Arianto- Achmad Baiquni- Sarwono Sudarto

DIREKSI / BOARD OF DIRECTORS

: 40.044JUMLAH PEGAWAI / NUMBER OF EMPLOYEES

Negara Republik Indonesia / The Republic of Indonesia : 56,77%Publik / Public : 43,25%

PEMEGANG SAHAM / SHAREHOLDERS

DEWAN PENGAWAS SYARIAH / SHARIA SUPERVISORY BOARD

UNIT USAHA SYARIAH / SHARIA BUSINESS UNIT : -

LUAR NEGERI / OVERSEAS : -

Negara Republik Indonesia / The Republic of Indonesia

PEMEGANG SAHAM PENGENDALI TERAKHIR /

ULTIMATE SHAREHOLDERS

TENAGA KERJA ASING / FOREIGN WORKERS : -



PT. BANK RAKYAT INDONESIA (PERSERO), Tbk.NERACA (BALANCE SHEETS)

Per Desember 2011 dan 2010 (As at December, 2011 and 2010)( Dalam Jutaan Rupiah / In Million IDR )

ASET (ASSETS)1 Kas (Cash)2 Penempatan pada Bank Indonesia (Placement to Bank Indonesia)3 Penempatan pada bank lain (Interbank placement)4 Tagihan spot dan derivatif (Spot and derivatives claims)5 Surat berharga (Securities)

a. Diukur pada nilai wajar melalui laporan laba/rugi (Measured at fair value through profit and loss)b. Tersedia untuk dijual (Available for sale)c. Dimiliki hingga jatuh tempo (Hold to maturity)d. Pinjaman yang diberikan dan piutang (Loan and receivables)

6 Surat berharga yang dijual dengan janji dibeli kembali (repo) (Securities sold under repurchase agreement (repo))7 Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (reverse repo) (Claims on securities bought under reverse repo)8 Tagihan akseptasi (Acceptance claims)9 Kredit (Loans)

a. Diukur pada nilai wajar melalui laporan laba/rugi (Measured at fair value through profit and loss)b. Tersedia untuk dijual (Available for sale)c. Dimiliki hingga jatuh tempo (Hold to maturity)d. Pinjaman yang diberikan dan piutang (Loan and receivables)

10 Pembiayaan syariah 1) (Sharia financing 1)11 Penyertaan (Equity investment)12 Cadangan kerugian penurunan nilai aset keuangan -/- (Impairment on financial assets -/-)

a. Surat berharga (Securities)b. Kredit (Loans)c. Lainnya (Others)

13 Aset tidak berwujud (Intangible assets)14 Akumulasi amortisasi aset tidak berwujud -/- (Accumulated amortisation on intangible assets -/-)15 Aset tetap dan inventaris (Fixed assets and equipment)16 Akumulasi penyusutan aset tetap dan inventaris -/- (Accumulated depreciation on fixed assets and equipment -/-)17 Aset non produktif (Non Productive Asset)

a. Properti terbengkalai (Abandoned property)b. Aset yang diambil alih (Foreclosed assets)c. Rekening tunda (Suspense accounts)d. Aset antarkantor 2) (Interbranch assets)

i. Melakukan kegiatan operasional di Indonesia (Conducting operational activities in Indonesia)ii. Melakukan kegiatan operasional di luar Indonesia (Conducting operational activities outside Indonesia)

18 Cadangan kerugian penurunan nilai dari aset non keuangan -/- (Imparment on Non Financial Assets -/-)19 Sewa pembiayaan 3) (Leasing 3)20 Aset pajak tangguhan (Deferred tax assets)21 Aset Lainnya (Other assets)

TOTAL ASET (TOTAL ASSETS)

LIABILITAS DAN EKUITAS (LIABILITIES AND EQUITIES)LIABILITAS (LIABILITIES)

1 Giro (Current account)2 Tabungan (Saving account)3 Simpanan berjangka (Time deposit)4 Dana investasi revenue sharing 1) (Revenue sharing investment 1)5 Pinjaman dari Bank Indonesia (Liabilities to Bank Indonesia)6 Pinjaman dari bank lain (Interbank liabilities)7 Liabilitas spot dan derivatif (Spot and derivatives liabilities)8 Utang atas surat berharga yang dijual dengan janji dibeli kembali (repo) (Liabilities on securities sold under repurchase agreement)9 Utang akseptasi (Acceptance liabilities)

10 Surat berharga yang diterbitkan (Issued securities)11 Pinjaman yang diterima (Loans received)

a. Pinjaman yang dapat diperhitungkan sebagai modal (Loans calculated as capital)b. Pinjaman yang diterima lainnya (Other loans received)

12 Setoran jaminan (Margin deposit)13 Liabilitas antarkantor 2) (Interbranch liabilities)

a. Melakukan kegiatan operasional di Indonesia (Conducting operational activities in Indonesia)b. Melakukan kegiatan operasional di luar Indonesia (Conducting operational activities outside Indonesia)

14 Liabilitas pajak tangguhan (Deferred tax liabilities)15 Liabilitas lainnya (Other liabilities)16 Dana investasi profit sharing 1) (Profit Sharing investment 1)

TOTAL LIABILITAS (TOTAL LIABILITIES)EKUITAS (EQUITIES)

17 Modal disetor (Paid in capital)a. Modal dasar (Capital)b. Modal yang belum disetor -/- (Unpaid capital -/-)c. Saham yang dibeli kembali -/- (Treasury stock -/-)

18 Tambahan modal disetor (Additional paid in capital)a. Agio (Agio)b. Disagio -/- (Disagio -/-)c. Modal sumbangan (Donated capital)d. Dana setoran modal (Fund for paid up capital)e. Lainnya (Others)

19 Pendapatan (kerugian) komprehensif lainnya (Other comprehensive gain (loss))a. Penyesuaian akibat penjabaran laporan keuangan dalam mata uang asing (Translation adjustment from foreign currency)b. Keuntungan(kerugian) dari perubahan nilai aset keuangan dalam kelompok tersedia untuk dijual

(Gain (loss) on value changes of financial assets categorized as available for sale)c. Bagian efektif lindung nilai arus kas (Effective portion of cash flow hedge)d. Selisih penilaian kembali aset tetap (Difference in fixed asset revaluation)e. Bagian pendapatan komprehensif lain dari entitas asosiasi (Portion of other comprehensive income from associates)f. Keuntungan (kerugian) aktuarial program manfaat pasti (Gain (loss) on defined benefit actuarial program)g. Pajak penghasilan terkait dengan laba komprehensif lain (Income tax of other comprehensive income)h. Lainnya (Others)

20 Selisih kuasi reorganisasi 4) (Difference in quasi-reorganization 4)21 Selisih restrukturisasi entitas sepengendali 5) (Difference in restructuring under common control 5)22 Ekuitas Lainnya (Other Equity)23 Cadangan (Reserves)

a. Cadangan umum (General reserves)b. Cadangan tujuan (Appropriated reserves)

24 Laba/rugi (Gain/loss)a. Tahun-tahun lalu (Previous years)b. Tahun berjalan (Current year)TOTAL EKUITAS YANG DAPAT DIATRIBUSIKAN KEPADA PEMILIK (TOTAL EQUITIES ATTRIBUTABLE TO OWNERS)

25 Kepentingan non pengendali 6) (Minority interest 6)TOTAL EKUITAS (TOTAL EQUITIES)TOTAL LIABILITAS DAN EKUITAS (TOTAL LIABILITIES AND EQUITIES)

No Pos - Pos ( Accounts )B A N K KONSOLIDASI

(CONSOLIDATION)Des 2010Des 2011Des 2010Des 2011

10.428.790 9.929.974 10.525.973 9.975.712100.379.007 87.887.407 102.765.311 88.545.789

9.200.675 20.128.452 9.240.383 20.159.70517.818 87.870 17.966 87.870

46.760.083 35.705.553 47.643.321 36.151.780519.874 203.144 563.124 203.144

20.548.236 18.366.145 20.711.756 18.366.14520.894.442 16.394.507 21.539.871 16.840.7344.797.531 741.757 4.828.570 741.757

100.299 732.613 100.299 732.6139.383.299 501.381 9.383.299 501.3811.657.360 666.878 1.692.176 666.878

283.586.497 246.968.128 285.409.554 246.968.1280 0 0 00 0 0 00 0 0 0

283.586.497 246.968.128 285.409.554 246.968.1280 0 8.970.274 5.413.592

1.498.893 1.105.037 165.225 135.77615.869.072 14.007.429 15.953.939 14.009.252

0 7.418 1.510 8.92815.868.536 13.991.454 15.951.531 13.991.454

536 8.557 898 8.8700 0 87.193 36.2370 0 21.742 21.742

5.713.194 5.248.302 5.990.345 5.405.0133.997.228 3.769.178 4.137.525 3.836.068

43.176 36.561 89.218 47.2544.487 6.673 4.487 7.964

38.689 29.888 84.731 39.2900 0 0 00 0 0 00 0 0 00 0 0 00 204.170 8.885 214.2170 0 0 0

2.627.820 2.286.553 2.631.958 2.295.1015.000.482 5.089.206 5.308.880 5.244.052

456.531.093 398.393.138 469.899.284 404.285.602

75.578.820 77.048.697 76.262.899 77.048.697152.474.118 125.197.518 152.643.458 125.197.518144.095.184 126.309.586 146.006.981 126.309.586

0 0 9.351.007 5.096.598114.747 210.596 123.780 210.596

3.703.589 4.932.477 4.409.703 5.634.852173.536 81.801 173.536 81.801102.681 526.365 102.681 526.365

1.657.360 666.878 1.692.176 666.8782.136.288 2.156.181 2.136.288 2.156.181

12.811.599 9.367.576 13.044.024 9.367.5760 0 0 0

12.811.599 9.367.576 13.044.024 9.367.57652.105 106.255 53.785 106.797

340 753 340 753340 753 340 753

0 0 0 00 0 0 0

13.856.166 15.115.344 14.078.297 15.208.2930 0 0 0

406.756.533 361.720.027 420.078.955 367.612.491

6.167.291 6.167.291 6.167.291 6.167.29115.000.000 15.000.000 15.000.000 15.000.0008.832.709 8.832.709 8.832.709 8.832.709

0 0 0 02.773.858 2.773.858 2.773.858 2.773.8582.773.858 2.773.858 2.773.858 2.773.858

0 0 0 00 0 0 00 0 0 00 0 0 0

814.157 608.801 814.157 608.80149.153 47.237 49.153 47.237

765.004 561.564 765.004 561.5640 0 0 0

0 0 0 00 0 0 00 0 0 00 0 0 00 0 0 00 0 0 00 0 - -0 0 0 0

8.261.766 7.974.957 8.261.766 7.974.9573.022.685 3.022.685 3.022.685 3.022.6855.239.081 4.952.272 5.239.081 4.952.272

31.757.488 19.148.204 31.757.488 19.148.20416.674.549 7.675.819 16.674.549 7.675.81915.082.939 11.472.385 15.082.939 11.472.38549.774.560 36.673.111 49.774.560 36.673.111

- - 45.769 049.774.560 36.673.111 49.820.329 36.673.111

456.531.093 398.393.138 469.899.284 404.285.602



PT. BANK RAKYAT INDONESIA (PERSERO), Tbk.LAPORAN LABA-RUGI (INCOME STATEMENTS)

Per Desember 2011 dan 2010 (As at December, 2011 and 2010)

PENDAPATAN DAN BEBAN OPERASIONAL (OPERATIONAL INCOME AND EXPENSES)A. Pendapatan dan Beban Bunga (Interest income and expenses)1. Pendapatan Bunga (Interest income)

a. Rupiah (Rupiah)b. Valuta Asing (Foreign currency)

2. Beban Bunga (Interest expenses)a. Rupiah (Rupiah)b. Valuta Asing (Foreign currency)Pendapatan (Beban) Bunga bersih (Net interest income (expenses)

B. Pendapatan dan Beban Operasional selain Bunga (Operational Income and Expenses Other than Interest)1. Pendapatan Operasional Selain Bunga (Operational Income Other than Interest)

a. Peningkatan nilai wajar aset keuangan (Positive mark to market on financial assets)i. Surat berharga (Securities)ii. Kredit (Loans)iii. Spot dan derivatif (Spot and derivatives)iv. Aset keuangan lainnya (Other financial assets)

b. Penurunan nilai wajar liabilitas keuangan (Negative mark to market on financial liabilities)c. Keuntungan penjualan aset keuangan (Gain on sale of financial assets)

i. Surat berharga (Securities)ii. Kredit (Loans)iii. Aset keuangan lainnya (Other financial assets)

d. Keuntungan transaksi spot dan derivatif (realised) (Gain on spot and derivatives (realised)e. Keuntungan dari penyertaan dengan equity method (Gain on investment under equity method)f. Dividen (Dividend)g. Komisi/provisi/fee dan administrasi (Comission/provision/fee and administration)h. Pemulihan atas cadangan kerugian penurunan nilai (Recovery of asset impairment)i. Pendapatan lainnya (Other income)

2. Beban Operasional Selain Bunga (Operational Expenses Other than Interest)a. Penurunan nilai wajar aset keuangan (Negative mark to market on financial assets)

i. Surat berharga (Securities)ii. Kredit (Loans)iii. Spot dan derivatif (Spot and derivatives)iv. Aset keuangan lainnya (Other financial assets)

b. Peningkatan nilai wajar liabilitas keuangan (Positive mark to market on financial liabilities)c. Kerugian penjualan aset keuangan (Loss on sale of financial assets)

i. Surat berharga (Securities)ii. Kredit (Loans)iii. Aset keuangan lainnya (Other financial assets)

d. Kerugian transaksi spot dan derivatif (realised) (Loss on spot and derivatives (realised)e. Kerugian penurunan nilai aset keuangan (impairment) (Impairment of financial assets)

i. Surat berharga (Securities)ii. Kredit (Loans)iii. Pembiayaan syariah (Sharia financing)iv. Aset keuangan lainnya (Other financial assets)

f. Kerugian terkait risiko operasional *) (Losses on operational risk *)g. Kerugian dari penyertaan dengan equity method (Losses on investment under equity method)h. Komisi/provisi/fee dan administrasi (Commission/provision/fee, and administration)i. Kerugian penurunan nilai aset lainnya (non keuangan) (Impairment of other assets (non financial assets)j. Beban tenaga kerja (Personnel expenses)k. Beban promosi (Promotion expenses)l. Beban lainnya (Other expenses)Pendapatan (Beban) Operasional Selain Bunga Bersih (Net Operational Income (Expenses) Other than Interest)LABA (RUGI) OPERASIONAL (OPERATIONAL PROFIT (LOSS)PENDAPATAN DAN (BEBAN) NON OPERASIONAL (NON OPERATIONAL INCOME (EXPENSES)

1. Keuntungan (kerugian) penjualan aset tetap dan inventaris (Gain (loss) on sale of fixed assets and equipment)2. Keuntungan (kerugian) penjabaran transaksi valuta asing (Gain (loss) on foreign exchange translation)3. Pendapatan (beban) non operasional lainnya (Other non operational income (expenses)

LABA (RUGI) NON OPERASIONAL (NON OPERATIONAL PROFIT (LOSS)LABA (RUGI) TAHUN BERJALAN SEBELUM PAJAK (CURRENT YEAR PROFIT (LOSS)

4. Pajak Penghasilan (Income taxes)a. Taksiran pajak tahun berjalan (Estimated current year tax)b. Pendapatan (beban) pajak tangguhan (Deferred tax income (expenses)LABA (RUGI) TAHUN BERJALAN SETELAH PAJAK BERSIH (NET PROFIT (LOSS)PENDAPATAN KOMPREHENSIF LAIN (OTHER COMPREHENSIVE INCOME)a. Penyesuaian akibat penjabaran laporan keuangan dalam mata uang asing (Translation adjustment from foreign currency)b. Keuntungan (kerugian) dari perubahan nilai aset keuangan dalam kelompok tersedia untuk dijual

(Gain (loss) on value changes of financial assets categorized as available for sale)c. Bagian efektif dari lindung nilai arus kas (Effective portion of cash flow hedge)d. Keuntungan revaluasi aset tetap (Gain on fixed asset revaluation)e. Bagian pendapatan komprehensif lain dari entitas asosiasi (Portion of other comprehensive income from associates)f. Keuntungan (kerugian) aktuarial program manfaat pasti (Gain (loss) on defined benefit actuarial program)g. Pajak penghasilan terkait dengan laba komprehensif lain (Income tax of other comprehensive income)h. Lainnya (Others)Pendapatan Komprehensif lain tahun berjalan - net pajak penghasilan terkait(Other comprehensive income of the current year - net of applicable income tax)TOTAL LABA KOMPREHENSIF TAHUN BERJALAN (CURRENT YEAR TOTAL COMPREHENSIVE PROFIT)Laba yang dapat diatribusikan kepada : (Profit attributable to :)PEMILIK (OWNER)KEPENTINGAN NON PENGENDALI (MINORITY INTEREST)TOTAL LABA TAHUN BERJALAN (CURRENT YEAR TOTAL PROFIT)Total Laba Komprehensif yang dapat diatribusikan kepada : (Total comprehensive profit attributable to :)PEMILIK (OWNER)KEPENTINGAN NON PENGENDALI (MINORITY INTEREST)TOTAL LABA KOMPREHENSIF TAHUN BERJALAN (CURRENT YEAR TOTAL COMPREHENSIVE PROFIT)TRANSFER LABA (RUGI) KE KANTOR PUSAT **) (TRANSFER OF PROFIT(LOSS) TO HEAD OFFICE)DIVIDEN (DIVIDEND)LABA BERSIH PER SAHAM ***) (NET EARNINGS (LOSS) PER SHARE ***)

No Pos - Pos ( Accounts )B A N K KONSOLIDASI

(CONSOLIDATION)

Des 2010

( Dalam Jutaan Rupiah / In Million IDR )

Des 2011Des 2010Des 2011

46.949.136 43.971.493 48.151.119 44.615.16246.128.083 43.362.057 47.330.052 44.005.726

821.053 609.436 821.067 609.43613.080.019 11.449.686 13.732.683 11.727.29312.494.399 10.859.828 13.146.980 11.137.435

585.620 589.858 585.703 589.85833.869.117 32.521.807 34.418.436 32.887.869

5.917.024 5.466.902 6.275.107 5.562.98513.651 438.895 14.096 438.89513.651 3.321 14.096 3.321

0 0 0 00 435.574 0 435.5740 0 0 00 0 0 0

132.708 153.275 146.138 153.275132.708 153.275 146.138 153.275

0 0 0 00 0 0 0

167.500 337.445 167.649 337.44560.762 25.945 23.356 22.748

134 125 198 1253.363.115 2.805.817 3.420.747 2.805.817

259.809 8.689 355.967 17.9711.919.345 1.696.711 2.146.956 1.786.709

22.175.152 23.581.217 23.071.348 24.047.503131.147 0 131.147 0

0 0 0 00 0 0 0

131.147 0 131.147 00 0 0 00 0 0 0

462 387 462 387462 387 462 387

0 0 0 00 0 0 0

832 0 832 05.792.276 7.883.391 5.882.167 7.883.803

2.885 1.906 3.278 2.0065.789.391 7.879.092 5.825.586 7.879.092

0 0 52.233 00 2.393 1.070 2.705

475.516 205.304 475.516 205.3040 0 0 0

144 0 5.534 00 51.504 4.323 51.611

7.897.905 8.104.779 8.249.588 8.302.754602.706 479.097 631.280 510.069

7.274.164 6.856.755 7.690.499 7.093.575-16.258.128 -18.114.315 -16.796.241 -18.484.51817.610.989 14.407.492 17.622.195 14.403.351

10.685 5.864 17.278 5.8640 0 0 0

1.109.628 490.013 1.116.407 499.0151.120.313 495.877 1.133.685 504.879

18.731.302 14.903.369 18.755.880 14.908.2303.648.363 3.430.984 3.667.884 3.435.8454.057.443 3.917.140 4.075.204 3.922.049

409.080 486.156 407.320 486.20415.082.939 11.472.385 15.087.996 11.472.385

276.318 129.391 276.318 129.3911.916 -42.710 1.916 -42.710

274.402 172.101 274.402 172.101

0 0 0 00 0 0 00 0 0 00 0 0 0

67.813 43.025 67.813 43.0250 0 0 0

208.505 86.366 208.505 86.366

15.291.444 11.558.751 15.296.501 11.558.751

15.082.939 11.472.385 15.082.939 11.472.385- - 5.057 0

15.082.939 11.472.385 15.087.996 11.472.385

15.291.444 11.558.751 15.288.295 11.558.751- - 8.206 0

15.291.444 11.558.751 15.296.501 11.558.7510 0 0 0

1.727.950 2.195.079 1.727.950 2.195.079628,91 478,36 628,91 478,36



PT. BANK RAKYAT INDONESIA (PERSERO), Tbk.LAPORAN KOMITMEN DAN KONTINJENSI TRIWULANAN(COMMITMENTS AND CONTINGENCIES STATEMENTS)


I. TAGIHAN KOMITMEN (COMMITTED CLAIMS)

1. Fasilitas pinjaman yang belum ditarik (Unused borrowing)

a. Rupiah (Rupiah)

b. Valuta Asing (Foreign currency)

2. Posisi pembelian spot dan derivatif yang masih berjalan

(Out standing spot and derivatives (purchased))

3. Lainnya (Others)

II. KEWAJIBAN KOMITMEN (COMMITTED LIABILITIES)1. Fasilitas kredit kepada nasabah yang belum ditarik

(Undisbursed loan facilities to debtors)

a. BUMN (BUMN)

i. Committed (Committed)

- Rupiah (Rupiah)

- Valuta Asing (Foreign Currency)

ii. Uncommitted (Uncommitted )

- Rupiah ( Rupiah)


b. Lainnya (Others)

i. Committed (Committed )

ii. Uncommitted (Uncommitted)

2. Fasilitas kredit kepada bank lain yang belum ditarik

(Undisbursed loan facilities to other banks)

a. Committed (Committed)

- Rupiah (Rupiahs)


b. Uncommitted (Uncommitted )

- Rupiah (Rupiahs)


3. Irrevocable L/C yang masih berjalan (Outstanding irrevocable L/C )

a. L/C luar negeri (Foreign L/C)

b. L/C dalam negeri (Local L/C)

4. Posisi penjualan spot dan derivatif yang masih berjalan

(Outstanding spot and derivatives (sold))

5. Lainnya (Others)

III. TAGIHAN KONTINJENSI (CONTINGENT CLAIMS)1. Garansi yang diterima (Received guarantees)

a. Rupiah (Rupiah)


2. Pendapatan bunga dalam penyelesaian (Accrued interest)

a. Bunga kredit yang diberikan (Loan interest)

b. Bunga lainnya (Other interest)

3. Lainnya (Others)

IV. KEWAJIBAN KONTINJENSI (CONTINGENT LIABILITIES)

1. Garansi yang diberikan (Issued guarantees)

a. Rupiah (Rupiah)


2. Lainnya (Others)

No Pos - Pos (Accounts)B A N K KONSOLIDASI (CONSOLIDATION)

Des 2011 Des 2010 Des 2011 Des 2010


- - - -

- - - -

- - - -

- - - -

- - - -

- - - -

66.926.661 43.140.321 67.246.820 46.230.169

60.096.111 38.185.147 60.310.327 41.185.147

31.265.804 13.179.604 31.339.642 16.179.604

- - - -

- - - -

- - - -

31.265.804 13.179.604 31.339.642 16.179.604

22.844.813 8.038.852 22.918.651 8.038.852

8.420.991 5.140.752 8.420.991 8.140.752

28.830.307 25.005.543 28.970.685 25.005.543

- - 18.820 -

28.830.307 25.005.543 28.951.865 25.005.543

- 1.370 3.300 1.370

- - - -

- - - -

- - - -

- 1.370 3.300 1.370

- 1.370 3.300 1.370

- - - -

6.830.455 4.932.139 6.843.251 4.932.139

6.394.935 4.608.325 6.403.186 4.608.325

435.520 323.814 440.065 323.814

- - - -

95 21.665 89.942 111.513

733.220 1.342.626 834.800 1.358.234

- - 485 527

- - 485 527

- - - -

733.220 740.935 834.315 756.016

733.220 740.935 834.315 756.016

- - - -

- 601.691 - 601.691

6.219.009 3.788.598 6.238.525 3.801.371

6.219.009 3.788.598 6.238.525 3.801.371

3.428.568 1.892.303 3.448.084 1.905.076

2.790.441 1.896.295 2.790.441 1.896.295

- - - -



PT. BANK RAKYAT INDONESIA (PERSERO), Tbk.LAPORAN KUALITAS ASET PRODUKTIF DAN INFORMASI LAINNYA(QUALITY EARNING ASSETS & OTHER INFORMATION STATEMENTS)


No Pos - Pos (Accounts)DESEMBER 2011

0 0 0 0 0 00 0 0 0 0 00 0 0 0 0 00 0 0 0 0 00 0 0 0 0 00 0 0 0 0 00 0 0 0 0 00 0 0 0 0 00 0 0 0 0 00 0 0 0 0 0

0 0 0 0 0 00 0 0 0 0 00 0 0 0 0 0

0 0 0 0 0 00 0 0 0 0 00 0 0 0 0 0

387.577 991 0 0 0 388.56818.492 0 0 0 0 18.492

18.492 0 0 0 0 18.4920 0 0 0 0 0

369.085 991 0 0 0 370.076365.448 991 0 0 0 366.439

3.637 0 0 0 0 3.637306.757 0 0 0 0 306.757306.757 0 0 0 0 306.757

0 0 0 0 0 00 0 0 0 0 0

163.281 0 0 0 0 163.2810 0 0 0 0 00 0 0 0 0 00 0 0 0 0 00 0 0 0 0 00 0 0 0 0 0

9.200.675 0 0 0 0 9.200.675801.829 0 0 0 0 801.829

8.398.846 0 0 0 0 8.398.84617.818 0 0 0 0 17.818

5.050 0 0 0 0 5.05012.768 0 0 0 0 12.768

46.760.083 0 0 0 0 46.760.08335.316.394 0 0 0 0 35.316.39411.443.689 0 0 0 0 11.443.689

100.299 0 0 0 0 100.299

100.299 0 0 0 0 100.2990 0 0 0 0 0

9.383.299 0 0 0 0 9.383.299

9.383.299 0 0 0 0 9.383.2990 0 0 0 0 0

1.657.360 0 0 0 0 1.657.360257.325.941 19.349.567 850.936 926.609 4.332.574 282.785.627117.507.726 11.795.572 719.197 757.628 3.427.985 134.208.108

113.030.591 11.756.383 719.197 757.628 3.427.985 129.691.7844.477.135 39.189 0 0 0 4.516.324

139.818.215 7.553.995 131.739 168.981 904.589 148.577.519120.000.794 6.088.972 131.739 168.981 904.589 127.295.07519.817.421 1.465.023 0 0 0 21.282.444

6.993.754 301.437 0 53.457 545.779 7.894.4276.220.210 301.437 0 53.457 195.350 6.770.454

773.544 0 0 0 350.429 1.123.9731.427.863 117.373 0 0 96.524 1.641.7601.335.076 0 0 0 536 1.335.612

0 0 0 0 0 071.939.217 1.180.719 15.385 10.255 0 73.145.57648.578.596 1.140.949 15.385 10.255 0 49.745.18523.360.621 39.770 0 0 0 23.400.391

14.784 0 5.757 13.381 4.767 38.689

- - - - - 0- - - - - 0- - - - - 0- - - - - 15.869.072- - - - - 9.230.839- - - - - 47,37

- - - - - 40,35

- - - - - 67,77

- - - - - 66,63

- - - - - 28.198.238- - - - - 22.121.341- - - - - 0- - - - - 4.282.521- - - - - 1.794.376

- - - - - 0

I. PIHAK TERKAIT (RELATED PARTIES)1. Penempatan pada bank lain (Interbank placement )


2. Tagihan spot dan derivatif (Spot dan derivative claims)a. Rupiah (Rupiah)b. Valuta Asing (Foreign currency)

3. Surat berharga (Securities)a. Rupiah (Rupiah)b. Valuta Asing (Foreign currency)

4. Surat Berharga yang dijual dengan janji dibeli kembali (Repo)(Securities sold under repurchase agreement (Repo))a. Rupiah (Rupiah)b. Valuta Asing (Foreign currency)

5. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (Reverse Repo)(Claims on securities bought under reverse repo)a. Rupiah (Rupiah)b. Valuta Asing (Foreign currency)

6. Tagihan Akseptasi (Acceptance claims)7. Kredit (Loans)

a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM) (Micro, small and medium enterprises (UMKM))

i. Rupiah (Rupiah)ii. Valuta Asing (Foreign currency)

b. Bukan debitur UMKM (Non micro, small and medium enterprises (UMKM))i. Rupiah (Rupiah)ii. Valuta Asing (Foreign currency)

c. Kredit yang direstrukturisasi (Restructured loans)i. Rupiah (Rupiah)ii. Valuta Asing (Foreign currency)

d. Kredit Properti (Loan on property)8. Penyertaan (Equity investment)9. Penyertaan modal sementara (Temporary equity investment)

10. Komitmen dan Kontinjensi (Commitment and contingencies)a. Rupiah (Rupiah)b. Valuta Asing (Foreign currency)

11. Aset yang diambil alih (Foreclosed assets)II. PIHAK TIDAK TERKAIT (NON RELATED PARTIES)

1. Penempatan pada bank lain (Interbank placement )a. Rupiah (Rupiah)b. Valuta Asing (Foreign currency)












11. Aset yang diambil alih (Foreclosed assets)III. INFORMASI LAIN (OTHERS INFORMATIONS)

1. Total aset bank yang dijaminkan : (Assets pledged as collateral)a. Pada Bank Indonesia (To Bank Indonesia)b. Pada pihak lain (To other parties)

2. Total CKPN aset keuangan atas aset produktif (Impairment provision on earning assets)3. Total PPA yang wajib dibentuk atas aset produktif (Required regulatory provision on assets)4. Persentase kredit kepada UMKM terhadap total kredit

(Percentage of loans to micro, small, and medium enterprises (UMKM) to total loans)5. Persentase kredit kepada Usaha Mikro Kecil (UMK) terhadap total kredit

(Percentage of loans to micro and small enterprises (UMK) to total loans)6. Persentase jumlah debitur UMKM terhadap total debitur

(Percentage of micro, small, and medium enterprises (UMKM) debtor to total debtor)7. Persentase jumlah debitur Usaha Mikro Kecil (UMK) terhadap total debitur

(Percentage of micro and small enterprises (UMK) debtor to total debtor)8. Lainnya (Others)

a. Penerusan kredit (Channeling)b. Penyaluran dana Mudharabah Muqayyadah (Mudharabah Muqayyadah Financing)c. Aset produktif yang dihapus buku (Written off earning assets)d. Aset produktif dihapusbuku yg dipulihkan/berhasil ditagih (Written off earning assets that has been re-collected)e. Aset produktif yang dihapus tagih (Charged off earning assets)

L(Current)

DPK (SpecialMention)

KL(Sub Standar)

D(Doubtful)

M(Loss)

Jumlah(Total)



PT. BANK RAKYAT INDONESIA (PERSERO), Tbk.LAPORAN KUALITAS ASET PRODUKTIF DAN INFORMASI LAINNYA(QUALITY EARNING ASSETS & OTHER INFORMATION STATEMENTS)


No Pos - Pos (Accounts)DESEMBER 2010

0 0 0 0 0 00 0 0 0 0 00 0 0 0 0 00 0 0 0 0 00 0 0 0 0 00 0 0 0 0 00 0 0 0 0 00 0 0 0 0 00 0 0 0 0 00 0 0 0 0 0

0 0 0 0 0 00 0 0 0 0 00 0 0 0 0 0

0 0 0 0 0 00 0 0 0 0 00 0 0 0 0 0

406.433 0 0 0 0 406.43320.652 0 0 0 0 20.652

20.652 0 0 0 0 20.6520 0 0 0 0 0

385.781 0 0 0 0 385.781385.781 0 0 0 0 385.781

0 0 0 0 0 0345.650 0 0 0 0 345.650345.650 0 0 0 0 345.650

0 0 0 0 0 00 0 0 0 0 0

134.130 0 0 0 0 134.1300 0 0 0 0 00 0 0 0 0 00 0 0 0 0 00 0 0 0 0 00 0 0 0 0 0

20.128.452 0 0 0 0 20.128.4521.084.833 0 0 0 0 1.084.833

19.043.619 0 0 0 0 19.043.61987.870 0 0 0 0 87.870

8.580 0 0 0 0 8.58079.290 0 0 0 0 79.290

35.705.553 0 0 0 0 35.705.55329.675.381 0 0 0 0 29.675.381

6.030.172 0 0 0 0 6.030.172732.613 0 0 0 0 732.613

107.583 0 0 0 0 107.583625.030 0 0 0 0 625.030501.381 0 0 0 0 501.381

501.381 0 0 0 0 501.3810 0 0 0 0 0

666.878 0 0 0 0 666.878227.379.391 12.316.595 1.381.617 1.329.271 4.154.821 246.561.695119.618.322 8.837.139 1.247.612 1.156.600 3.656.235 134.515.908

111.990.430 8.531.614 1.145.710 1.061.567 3.307.061 126.036.3827.627.892 305.525 101.902 95.033 349.174 8.479.526

107.761.069 3.479.456 134.005 172.671 498.586 112.045.787100.619.127 3.479.456 134.005 172.671 498.586 104.903.845

7.141.942 0 0 0 0 7.141.9426.686.497 605.497 55.419 171.499 368.157 7.887.0695.913.143 377.442 47.300 105.368 113.751 6.557.004

773.354 228.055 8.119 66.131 254.406 1.330.0652.412.694 70.729 0 0 116.746 2.600.169

970.371 0 0 0 536 970.9070 0 0 0 0 0

46.394.051 423.988 53.158 32.230 3.828 46.907.25530.686.842 379.099 45.362 32.228 0 31.143.53115.707.209 44.889 7.796 2 3.828 15.763.724

5.675 0 11.871 12.342 0 29.888

- - - - - 0- - - - - 0- - - - - 0- - - - - 14.100.723- - - - - 8.270.537- - - - - 54,48

- - - - - 30,52

- - - - - 65,61

- - - - - 78,36

- - - - - 26.595.761- - - - - 20.106.537- - - - - 0- - - - - 4.964.081- - - - - 1.525.143

- - - - - 0

I. PIHAK TERKAIT (RELATED PARTIES)1. Penempatan pada bank lain (Interbank placement )













11. Aset yang diambil alih (Foreclosed assets)II. PIHAK TIDAK TERKAIT (NON RELATED PARTIES)

1. Penempatan pada bank lain (Interbank placement )a. Rupiah (Rupiah)b. Valuta Asing (Foreign currency)












11. Aset yang diambil alih (Foreclosed assets)III. INFORMASI LAIN (OTHERS INFORMATIONS)

1. Total aset bank yang dijaminkan : (Assets pledged as collateral)a. Pada Bank Indonesia (To Bank Indonesia)b. Pada pihak lain (To other parties)

2. Total CKPN aset keuangan atas aset produktif (Impairment provision on earning assets)3. Total PPA yang wajib dibentuk atas aset produktif (Required regulatory provision on assets)4. Persentase kredit kepada UMKM terhadap total kredit

(Percentage of loans to micro, small, and medium enterprises (UMKM) to total loans)5. Persentase kredit kepada Usaha Mikro Kecil (UMK) terhadap total kredit

(Percentage of loans to micro and small enterprises (UMK) to total loans)6. Persentase jumlah debitur UMKM terhadap total debitur

(Percentage of micro, small, and medium enterprises (UMKM) debtor to total debtor)7. Persentase jumlah debitur Usaha Mikro Kecil (UMK) terhadap total debitur

(Percentage of micro and small enterprises (UMK) debtor to total debtor)8. Lainnya (Others)

a. Penerusan kredit (Channeling)b. Penyaluran dana Mudharabah Muqayyadah (Mudharabah Muqayyadah Financing)c. Aset produktif yang dihapus buku (Written off earning assets)d. Aset produktif dihapusbuku yg dipulihkan/berhasil ditagih (Written off earning assets that has been re-collected)e. Aset produktif yang dihapus tagih (Charged off earning assets)

L(Current)

DPK (SpecialMention)

KL(Sub Standar)

D(Doubtful)

M(Loss)

Jumlah(Total)



PT. BANK RAKYAT INDONESIA (PERSERO), Tbk.PERHITUNGAN KEWAJIBAN PENYEDIAAN MODAL MINIMUM (KPMM)

(CAPITAL ADEQUACY RATIO CALCULATION)Per Desember 2011 dan 2010 (As at December, 2011 and 2010)


38.215.079 27.673.231 38.809.248 28.202.7326.167.291 6.167.291 6.167.291 6.167.291

32.797.235 22.058.459 32.661.639 22.049.93632.809.703 22.058.459 32.804.563 22.049.9362.773.858 2.773.858 2.773.858 2.773.858

0 0 0 03.022.685 3.022.685 3.022.685 3.022.6855.239.081 4.952.272 5.239.081 4.952.272

14.387.996 5.769.293 14.379.448 5.760.7947.336.930 5.493.114 7.340.338 5.493.090

49.153 47.237 49.153 47.2370 0 0 00 0 0 00 0 0 0

12.468 0 142.924 00 0 0 00 0 106.241 00 0 0 00 0 0 00 0 0 0

0 0 9.878 0

12.468 0 26.805 0

0 0 0 0

0 0 0 00 0 0 00 0 0 00 0 0 0

749.447 552.519 65.451 14.495- - 65.451 14.4950 0 0 0

749.447 552.519 - -- - 0 0- - 45.769 0

3.600.909 4.037.358 4.443.491 4.637.2942.803.808 2.523.539 2.896.943 2.570.956

0 0 0 00 0 0 00 0 0 00 0 0 00 0 0 00 0 0 00 0 0 0

2.803.808 2.523.539 2.896.943 2.570.9560 0 0 0

1.546.548 2.066.338 1.546.548 2.066.3380 0 0 0

1.546.548 2.066.338 1.546.548 2.066.3380 0 0 0

749.447 552.519 0 0749.447 552.519 - -

- - 0 00 0 0 0

0 0 0 00 0 0 0

41.815.988 31.710.589 43.252.739 32.840.02641.815.988 31.710.589 43.252.739 32.840.026

224.304.622 201.883.081 232.892.284 206.518.20052.998.112 27.130.913 53.260.095 27.130.913

2.299.908 1.433.038 2.331.946 1.433.03815,08 13,85 15,12 14,06

14,96 13,76 14,99 13,97

No Pos - Pos (Accounts)B A N K KONSOLIDASI

(CONSOLIDATION)

Des 2011 Des 2010 Des 2011 Des 2010

I. KOMPONEN MODAL (COMPONENT CAPITAL)A. Modal Inti (Core Capital)

1. Modal Disetor (Paid in Capital)2. Cadangan Tambahan Modal (Disclosed reserves)

2.1 Faktor penambah *) (Additional factors*)a. Agio (Agio)b. Modal Sumbangan (Contributed capital)c. Cadangan Umum (General reserves)d. Cadangan Tujuan (Spesific reserves)e. Laba tahun-tahun lalu yang dapat diperhitungkan (100%) (Previous years profit which can be calculated into capital (100%))f. Laba tahun berjalan yang dapat diperhitungkan (50%) (Current year profit which can be calculated into capital (50%))g. Selisih lebih karena penjabaran laporan keuangan (Positive translation adjustment of financial statement)h. Dana setoran modal (Capital fund)i. Waran yang diterbitkan (50%) (Issued warrant (50%))j. Opsi saham yang diterbitkan dalam rangka program kompensasi berbasis saham (50%)

(Stock option issued related to compensation program (50%))2.2 Faktor Pengurang *) (Deduction*)

a. Disagio (Disagio)b. Rugi tahun-tahun lalu yang dapat diperhitungkan (100%) (Previous years loss which can be calculated into capital (100%))c. Rugi tahun berjalan yang dapat diperhitungkan (100%) (Current year loss which can be calculated into capital (100%))d. Selisih kurang karena penjabaran laporan keuangan (Negative translation adjustment of financial statement)e. Pendapatan komprehensif lain : Kerugian dari penurunan nilai wajar atas penyertaan dalam kategori

Tersedia untuk Dijual (Other comprehensive income : losses from equity investment for available for sale category (100%))f. Selisih kurang antara PPA dan cadangan kerugian penurunan nilai atas aset produktif

(Negative differences between regulatory provision and impairment of earning assets)g. Penyisihan Penghapusan Aset (PPA) atas aset non produktif yang wajib dihitung

(Required regulatory provision on non productive assets)h. Selisih kurang jumlah penyesuaian nilai wajar dari instrumen keuangan dalam trading book

(Negative differences on adjustment of fair value on financial instrument in the trading book)3. Modal Inovatif (Innovative Capital)

3.1 Surat berharga subordinasi (perpetual non kumulatif) (Subordinated securities (perpetual non cumulative))3.2 Pinjaman Subordinasi (perpetual non kumulatif) (Subordinated loans (perpetual non cumulative))3.3 Instrumen Modal Inovatif lainnya (Other innovative capital instruments)

4. Faktor Pengurang Modal Inti (Deduction Factor of Tier 1 Capital)4.1 Goodwill (Goodwill)4.2 Aset tidak berwujud lainnya (Other intangible assets)4.3 Penyertaan (50%) (Equity investment (50%))4.4 Kekurangan modal pada perusahaan anak asuransi (50%) (Shortfall on the capital of insurance subsidiary (50%))

5. Kepentingan Non Pengendali (Minority Interest)B. Modal Pelengkap (Suplementary Capital)

1. Level Atas (Upper Tier 2) (Upper Tier 2)1.1 Saham preferen (perpetual kumulatif) (Preferred stock (perpetual cumulative))1.2 Surat berharga subordinasi (perpetual kumulatif) (Subordinated securities (perpetual cumulative))1.3 Pinjaman Subordinasi (perpetual kumulatif) (Subordinated loans (perpetual cumulative))1.4 Mandatory convertible bond (Mandatory convertible bond)1.5 Modal Inovatif yang tidak diperhitungkan sebagai Modal inti (Innovative capital which is not calculated as core (tier 1) capital)1.6 Instrumen modal pelengkap level atas (upper tier 2) lainnya (Other instruments of upper tier 2 capital)1.7 Revaluasi aset tetap (Fixed assets revaluation)1.8 Cadangan umum aset produktif (maks 1,25% ATMR) (General provision of earning assets (maximum 1,25% of RWA))1.9 Pendapatan komprehensif lain : Keuntungan dari peningkatan nilai wajar atas (Other comprehensive income : gain from equity

investment for) penyertaan dlm kategori Tersedia untuk Dijual (45%) (available for sale category (45%))2. Level Bawah (Lower Tier 2) maksimum 50% Modal Inti (Lower Tier 2 maximum 50% of Tier 1 Capital)

2.1 Redeemable preference shares (Redeemable preference shares)2.2 Pinjaman atau obligasi subordinasi yang dapat diperhitungkan (Subordinated loans/bonds which can be calculated)2.3 Instrumen modal pelengkap level bawah (lower tier 2) lainnya (Other instruments of lower tier 2 capital)

3. Faktor Pengurang Modal Pelengkap (Deduction Factor of Tier 2 Capital)3.1 Penyertaan (50%) (Equity investment (50%))3.2 Kekurangan modal pada perusahaan anak asuransi (50%) (Shortfall on the capital of insurance subsidiary (50%))

C. Faktor Pengurang Modal Inti dan Modal Pelengkap Eksposur Sekuritisasi(Deduction Factor for Tier 1 Capital and Tier 2 Capital Exposure of Securitisation)

D. Modal Pelengkap Tambahan Yang Memenuhi Persyaratan (Tier 3) (Additional Supplementary Capital (Tier 3))E. Modal Pelengkap Tambahan yang Dialokasikan untuk Mengantisipasi Risiko pasar

(Additional Supplementary Capital which is allocated to anticipate Market Risk)II. TOTAL MODAL INTI DAN MODAL PELENGKAP (A+B-C) (TOTAL TIER 1 CAPITAL AND TIER 2 CAPITAL (A + B - C))III. TOTAL MODAL INTI, MODAL PELENGKAP,DAN MODAL PELENGKAP TAMBAHAN YANG

(TOTAL TIER 1 CAPITAL, TIER 2 CAPITAL, AND TIER 3 CAPITAL ALLOCATED TO ANTICIPATE MARKET RISK (A + B - C + E))DIALOKASIKAN UTK MENGANTISIPASI RISIKO PASAR (A+B-C+E) (ALLOCATED TO ANTICIPATE MARKET RISK (A + B - C + E))

IV. ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO KREDIT (RISK WEIGHTED ASSET (RWA) FOR CREDIT RISK)V. ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO OPERASIONAL

(RISK WEIGHTED ASSET (RWA) FOR OPERATIONAL RISK)VI. ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO PASAR (RISK WEIGHTED ASSET (RWA) FOR MARKET RISK)VII. RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK RISIKO KREDIT DAN RISIKO OPERASIONAL [II:(IV+V)]

(CAPITAL ADEQUACY RATIO FOR CREDIT RISK AND OPERATIONAL RISK [II:(IV+V)]) VIII. RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK RISIKO KREDIT, RISIKO

(CAPITAL ADEQUACY RATIO FOR CREDIT RISK, OPERATIONAL RISK)OPERASIONAL, DAN RISIKO PASAR [III : (IV + V + VI)] (AND MARKET RISK [III : (IV + V + VI)])



PT. BANK RAKYAT INDONESIA (PERSERO), Tbk.PERHITUNGAN RASIO KEUANGAN (FINANCIAL RATIO CALCULATIONS)


PT. BANK RAKYAT INDONESIA (PERSERO), Tbk.TRANSAKSI SPOT DAN DERIVATIF TRIWULANAN

(QUARTERLY SPOT AND DERIVATIVE TRANSACTIONS)Per Desember 2011 (As at December 2011)

No Pos - Pos (Accounts) DESEMBER2011

DESEMBER2010

I. Rasio Kinerja (Performance Ratio)1. Kewajiban Penyediaan Modal Minimum (KPMM) (CAR)

2. Aset produktif bermasalah dan aset non produktif bermasalah terhadap total aset produktif dan aset non produktif

(Non performing earning assets and non earning assets to total earning assets and non earning assets)

3. Aset produktif bermasalah terhadap total aset produktif (Non performing earning assets and non earning assets)

4. Cadangan kerugian penurunan nilai (CKPN) aset keuangan terhadap aset produktif

(Impairment provision on earning assets to total earning assets)

5. NPL gross (Gross NPL)

6. NPL net (Net NPL)

7. Return on Asset (ROA)

8. Return on Equity (ROE)

9. Net Interest Margin (NIM)

10. Biaya Operasional terhadap Pendapatan Operasional (BOPO) (Operating Expenses to Operating Revenues)

11. Loan to Deposit Ratio (LDR)

II. Kepatuhan (Compliance)1. a. Persentase Pelanggaran BMPK (Percentage Violation of Legal Lending Limit)

i. Pihak terkait (Related parties)

ii. Pihak tidak terkait (Non related parties)

b. Persentase Pelampauan BMPK (Percentage Lending in Excess of The Legal Lending Limit)

i. Pihak terkait (Related parties)

ii. Pihak tidak terkait (Non related parties)

2. Giro Wajib Minimum (GWM) (Reserve Requirement )

a. GWM Utama Rupiah (Reserve Requirement (Rupiah))

b. GWM Valuta asing (Reserve Requirement (Foreign currency))

3. Posisi Devisa Neto (PDN) secara keseluruhan (Net Open Position)

(Dalam Persen / Percent)

14,96 13,76

1,79 2,19

1,85 2,24

4,51 4,58

2,30 2,78

0,42 0,74

4,93 4,64

42,49 43,83

9,58 10,77

66,69 70,86

76,20 75,17

- -

0 0

0 0

- -

0 0

0 0

- -

9,33 8,05

8 1

5,49 4,45

No Transaksi (Transaction)


B A N K Tag. & Kewajiban Derivatif

(Claims & Liabilities Derivative)Nilai National

(National Value) Trading Hedging

Tujuan (Purpose)

Tagihan(Claims)

Kewajiban(Liabilities)

A. Terkait dengan Nilai Tukar (Exchanged Rate Related)

1. Spot (Spot)

2. Forward (Forward)

3. Option (Option)

a. Jual (Purchased)

b. Beli (Written)

4. Future (Future)

5. Swap (Swap)

6. Lainnya (Other)

B. Terkait dengan Suku Bunga (Interest Rate Related)

1. Forward (Forward)

2. Option (Option)

a. Jual (Purchased)

b. Beli (Written)

3. Future (Future)

4. Swap (Swap)

5. Lainnya (Other)

C. Lainnya (Others)

JUMLAH (TOTAL)

406.224 406.224 0 75 455

90.675 90.675 0 0 455

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

315.549 315.549 0 75 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

0 0 0 0 0

5.757.863 5.757.863 0 17.743 173.081

6.164.087 6.164.087 0 17.818 173.536



PT. BANK RAKYAT INDONESIA (PERSERO), Tbk.CADANGAN PENYISIHAN KERUGIAN (IMPAIRMENT LOSS ALLOWANCE)


No Transaksi (Transaction)


DESEMBER 2011 DESEMBER 2010

PPA yg wajib di bentuk(Required Regulatory

Provision)CKPN (ILA)

Umum(General)

Khusus(Spesific)

IndividualKolektif(Collec-

tive)

PPA yg wajib di bentuk(Required Regulatory

Provision)CKPN (ILA)

Umum(General)

Khusus(Spesific)

IndividualKolektif(Collec-

tive)

1 Penempatan pada bank lain (Interbank placement)

2 Tagihan spot dan derivatif (Spot and derivatives claims)

3 Surat Berharga (Securities)

4 Surat Berharga yang dijual dengan janji dibeli kembali (Repo)

(Securities sold under repurchase agreement (repo))

5 Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (Reverse Repo)

(Claims on securities bought under reverse repo)

6 Tagihan akseptasi (Acceptance claims)

7 Kredit (Loans)

8 Penyertaan (Equity investment)

9 Penyertaan modal sementara (Temporary equity investment)

10 Transaksi rekening adminitratif (Commitment and contigencies)

0 0 92.007 0 0 0 201.285 0

0 0 178 0 0 0 879 0

0 0 107.569 0 0 7.418 52.828 0

0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

0 0 16.574 0 0 6.669 6.669 0

3.085.307 12.783.229 2.577.135 6.303.349 4.121.560 9.869.894 2.277.858 5.642.529

536 0 1.644 536 1.888 0 1.352 536

0 0 0 0 0 0 0 0

0 0 130.495 0 0 93.294 87.001 0

3. pt. bank rakyat indonesia (persero) tbk

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