Risiko Reputasi Reputation Risks

Lapor an T ahunan 20 15 Annual R eport 47 7 Tabel 2.4.a Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah – Bank secara individual Table 2.4.a. Receivables and allowances by area - Bank, individually dalam Juta Rp in million Rp no Keterangan 31 Desember 2015 Desember 31, 2015 31 Desember 2014 Desember 31, 2014 Description Tagihan Bersih Berdasarkan Wilayah net Receivables by Region Tagihan Bersih Berdasarkan Wilayah net Receivables by Region Zona indonesia Barat indonesia Zone West Zona indonesia Tengah indonesia Zone Center Zona indonesia Timur indonesia Zone east Diluar indonesia indonesia outside Total Total Zona indonesia Barat indonesia Zone West Zona indonesia Tengah indonesia Zone Center Zona indonesia Timur indonesia Zone east Diluar indonesia indonesia outside Total Total 1 2 3 4 5 6 7 8 9 10 11 12 2 1 Tagihan 18,732,885 1,328,846 561 905 20,063,197 18,839,500 718,368 653 919 19,559,440 Receivables 2 Tagihan yang mengalami penurunan nilai impaired 1,259,793 77,021 - - 1,336,813 464,747 4,498 1,568 - 470,812 Impaired Receivables a. Belum jatuh tempo 771,802 26,248 - - 798,050 71,339 - - - 71,339 a. Not Due b.Telah jatuh tempo 487,991 50,773 - - 538,763 393,408 4,498 1,568 - 399,474 b. Due 3 Cadangan kerugian penurunan nilai CKPN - Individual 156,559 5,345 - - 161,904 45,635 1,773 5 2 47,416 Individual Impairment Losses Allowance ILA 4 Cadangan kerugian penurunan nilai CKPN - Kolektif 46,737 3,529 13 2 50,280 103,114 184 - - 103,298 Collective Impairment Losses Allowance ILA 5 Tagihan yang dihapus buku 35,560 - - - 35,560 27,752 - - - 27,752 Receivables Written Of 47 8 PT Bank V ict oria Int erna tional T bk. Tabel 2.4.b. Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah – Bank secara Konsolidasi dengan Perusahaan anak Table 2.4.b. Receivables and allowances by area - Bank, Consolidated with subsidiaries dalam Juta Rp in million Rp no Keterangan 31 Desember 2015 December 31, 2015 31 Desember 2014 December 31, 2014 Description Tagihan Bersih Berdasarkan Wilayah net Receivables by Region Tagihan Bersih Berdasarkan Wilayah net Receivables by Region Zona indonesia Barat indonesia Zone West Zona indonesia Tengah indonesia Zone Center Zona indonesia Timur indonesia Zone east Diluar indonesia indonesia outside Total Total Zona indonesia Barat indonesia Zone West Zona indonesia Tengah indonesia Zone Center Zona indonesia Timur indonesia Zone east Diluar indonesia indonesia outside Total Total 1 2 3 4 5 6 7 8 9 10 11 12 2 1 Tagihan 19,036,239 1,376,665 561 898 20,414,362 20,046,031 802,903 653 919 20,850,506 Receivables 2 Tagihan yang mengalami penurunan nilai impaired 1,582,237 78,371 - - 1,660,608 541,233 4,498 1,568 - 547,298 Impaired Receivables a. Belum jatuh tempo 864,787 27,598 - - 892,386 147,825 - - - 147,825 a. Not Due b. Telah jatuh tempo 717,449 50,773 - - 768,222 393,408 4,498 1,568 - 399,474 b. Due 3 Cadangan kerugian penurunan nilai CKPN - Individual 208,850 6,247 - - 215,096 71,995 1,773 5 2 73,776 Individual Impairment Losses Allowance ILA 4 Cadangan kerugian penurunan nilai CKPN - Kolektif 53,395 4,248 13 2 57,658 110,753 184 - - 110,937 Collective Impairment Losses Allowance ILA 5 Tagihan yang dihapus buku 35,560 - - - 35,560 27,752 - - - 27,752 Receivables Written Of