Laporan Tahunan 2011 - United Overseas Bank

PT Bank UOB Indonesia
(Dahulu PT Bank UOB Buana)
Catatan atas Laporan Keuangan
Tahun yang Berakhir pada Tanggal-tanggal
31 Desember 2011 dan 2010
(Disajikan dalam Jutaan Rupiah,
Kecuali Dinyatakan Lain)
94
The original financial statements included herein are in the
Indonesian language.
PT Bank UOB Indonesia
(Formerly PT Bank UOB Buana)
Notes to The Financial Statements
Years Ended
December 31, 2011 and 2010
(Expressed in Millions of Rupiah,
Unless Otherwise Stated)
39. Informasi Penting (lanjutan) 39. Significant Information (continued)
b. Rasio-rasio keuangan lainnya b. Other financial ratios
2011 2010
Permodalan: Capital
KPMM dengan memperhitungkan: CAR for:
risiko kredit (butir a) 19,62% 24,42% credit risk (point a)
risiko kredit dan pasar (butir a) 19,55% 24,33% credit risk and market risk (point a)
risiko kredit, risiko pasar credit risk, market risk
dan operasional (butir a) 17,61% 22,27% and operasional risk(point a)
Aset tetap terhadap modal 18,99% 20,23% Fixed assets to equity
Kualitas Aset: Earning Assets Quality:
NPL - gross (Catatan 12) 1,53% 2,78% NPL - gross (Note 12)
NPL - net (Catatan 12) 1,17% 2,24% NPL - net (Note 12)
Rentabilitas: Vulnerability:
Laba sebelum pajak terhadap
rata-rata:
Aset 2,30% 3,31% Return on assets
Ekuitas 11,43% 14,48% Return on equity
Pendapatan bunga bersih
terhadap rata-rata Net interest income to average
jumlah aset produktif 5,14% 6,17% total earning assets
Beban operasional terhadap Operational expenses
pendapatan operasional 77,55% 70,85% to operational income
Likuiditas: Liquidity:
Penyaluran kredit terhadap
dana pihak ketiga 91,70% 97,10% Loan to deposit ratio
Kepatuhan: Compliance:
Batas Maksimum Pemberian
Kredit: Legal Lending Limit:
Pihak berelasi 0,00% 0,00% Related parties
Giro Wajib Minimum Utama - Rupiah Primary Minimum Reserve
(Catatan 5) 8,10% 8,11% Requirement - Rupiah (Note 5)
Posisi Devisa Neto (Catatan 38) 0,58% 1,22% Net Open Position (Note 38)
Laporan Tahunan 2011 PT BANK UOB INDONESIA
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