INFORMASI SEGMEN lanjutan SEGMENT INFORMATION continued

BNI Laporan Tahunan 2014 DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2014 DAN 2013 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2014 AND 2013 Expressed in millions of Rupiah, unless otherwise stated 45. INFORMASI SEGMEN lanjutan 45. SEGMENT INFORMATION continued - Tresuri dan Institusi Keuangan : terkait dengan kegiatan tresuri Bank termasuk transaksi valuta asing, money market, capital market dan fixed income, termasuk antara lain bisnis perbankan internasional dan supervisi cabang Luar Negeri. - Kantor Pusat : merupakan penyediaan jasa secara sentralisasi kepada segmen lainnya. - Entitas Anak : seluruh transaksi yang dilakukan oleh Entitas Anak yang bergerak di bidang perbankan syariah, asuransi, pembiayaan konsumen dan sekuritas. - Treasury and Financial Institution : treasury activities include foreign exchange, money market, capital market and fixed income, also including international banking and overseas branch supervision. - Head Office : represent centralized services for other segments. - Subsidiaries : all transactions from Subsidiaries in sharia banking, insurance, consumer financing and securities. Kinerja diukur berdasarkan laba segmen sebelum pajak penghasilan, sebagaimana dilaporkan dalam laporan internal manajemen yang direview oleh Manajemen Bank. Keuntungan segmen digunakan untuk mengukur kinerja dimana manajemen berkeyakinan bahwa informasi tersebut paling relevan dalam mengevaluasi hasil segmen tersebut relatif terhadap entitas lain yang beroperasi dalam industri tersebut. Performance is measured based on segment profit before income tax, as included in the internal management reports that are reviewed by the Banks Management. Segment profit is used to measure performance of that business segment as management believes that such information is the most relevant in evaluating the results of those segments relative to other entities that operate within these industries. Informasi yang berkaitan dengan segmen usaha yang utama dari Grup disajikan dalam tabel di bawah ini: Information concerning the operating segments of the Group are set out in the table below: 2014 Korporasi Corporate Komersial dan Kecil Commercial and Small Konsumer dan Ritel Consumer and Retail Tresuri dan Insitusi Keuangan Treasury and Financial Institution Kantor Pusat Head Office Entitas Anak Subsidiaries Penyesuaian dan eliminasi Adjustment and elimination Konsolidasi Consolidation Pendapatan bunga dan pendapatan Interest income and syariah - neto 6,682,832 5,629,775 7,216,764 1,841,959 - 1,372,242 367,271 22,376,301 sharia income - net Pendapatan operasional lainnya 1,816,699 1,598,381 4,029,112 1,883,845 27,430 2,196,405 781,656 10,715,356 Other operating income Pembentukan cadangan kerugian Allowance for penurunan nilai 106,238 2,194,144 722,832 74,779 443,025 100,974 - 3,641,992 impairment losses Beban operasional Other operating lainnya 1,323,125 2,476,876 5,217,427 939,952 2,950,869 3,195,125 - 16,103,374 expenses Laba operasional 7,070,168 2,557,136 5,305,617 2,711,073 3,421,324 272,548 1,148,927 13,346,291 Operating income Pendapatanbeban bukan operasional - Non operating income neto 3,789 35 1,225 29,133 10,341 154,178 - 178,019 expenses - net Laba sebelum Income before beban pajak 7,073,957 2,557,171 5,306,842 2,740,206 3,431,665 426,726 1,148,927 13,524,310 tax expense Total aset 127,637,405 74,023,105 54,614,499 126,393,607 23,459,422 28,406,748 17,961,076 416,573,708 Total assets Total liabilitas 76,736,138 60,770,350 162,048,062 30,351,966 7,658,387 6,954,483 3,370,732 341,148,654 Total liabilities 487 BNI Laporan Tahunan 2014 DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2014 DAN 2013 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2014 AND 2013 Expressed in millions of Rupiah, unless otherwise stated 45. INFORMASI SEGMEN lanjutan 45. SEGMENT INFORMATION continued