PT BANK WOORI SAUDARA INDONESIA 1906 Tbk formerly PT BANK HIMPUNAN SAUDARA 1906 Tbk
NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2014 AND 2013 AND
FOR THE YEARS THEN ENDED Continued
- 90 - Bank tidak memiliki transaksi atau utangpiutang
dengan pihak berelasi yang tidak berhubungan dengan kegiatan utama Bank.
The Bank does not have any transaction or payablereceivable with related parties having no
relation to the Bank’s main business.
42. KOMITMEN DAN KONTINJENSI 42. COMMITMENTS AND CONTINGENCIES
Seperti di dalam bisnis normal perbankan, Bank mempunyai komitmen dan kontinjensi.
As part of normal banking business, the Bank has commitments and contingencies.
Ikhtisar komitmen dan kontinjensi Bank yang dinyatakan dalam nilai kontrak setara dengan
mata uang Rupiah adalah sebagai berikut: The following is a summary of the Bank’s
commitments and contingencies at the equivalent Rupiah contractual amounts:
2014 2013
Rp Juta Rp Juta
Rp Million Rp Million
KOMITMEN COM M ITM ENTS
Liabilitas komitmen: Commitment payables:
Fasilitas pinjaman yang diberikan yang belum digunakan
2.118.817 1.696.466
Unused loan facility Irrevocable letters of credit yang
Outstanding irrevocable masih berjalan
283.992 195.695
letters of credit
KONTINJENSI CONTINGENCIES
Tagihan kontinjensi: Contingencies receivables:
Garansi yang diterima 964.781
1.124.614 Received guarantee
Pendapatan bunga Interest receivable on
dalam penyelesaian 40.254
1.749 non-performing assets
Liabilitas kontinjensi: Contingencies payables:
Bank garansi yang diterbitkan 326.031
167.606 Bank guarantees issued
Bersih 1.723.805
933.404 Net
Semua irrevocable letters of credit yang masih berjalan dan bank garansi yang diterbitkan
memiliki kolektibilitas lancar. All outstanding irrevocable letters of credit and
issued bank guarantees are categorised as current.
Bank tidak memiliki bank garansi dengan pihak berelasi pada tanggal 31 Desember 2014 dan
2013. There is no bank guarantees with related party as
of December 31, 2014 and 2013, respectively. Bank mengeluarkan bank garansi sebagai
perjanjian penanggungan, dimana bank bertindak sebagai penanggung bagi nasabah yang menjadi
debitur dalam mengadakan suatu perjanjian dengan pihak lain sebagai kreditur.
The Bank
issued bank
guarantees as
underwriting agreements, in which the Bank acts as a guarantor for the customers, becoming a
debtor bound in an agreement with other parties as the creditors.
43. JASA KUSTODIAN 43. CUSTODIAL SERVICES
Berdasarkan Surat Keputusan Otoritas Jasa Keuangan dahulu BAPEPAM-LK No. KEP-
01BLKstd2007 tanggal 12 September 2007, Bank telah memperoleh izin untuk memberikan
jasa kustodian dan telah melakukan kegiatan operasionalnya sejak tanggal 8 Oktober 2007.
Based on the Financial Service Authority previously Bapepam-LK Decision Letter No.
KEP- 01BLKstd2007 dated September 12, 2007, the Bank obtained an approval to provide
custodial services and has commenced its operational on October 8, 2007.
Bank memberikan jasa-jasa kustodian, antara lain, pengadministrasian surat-surat berharga,
pengadministrasian dana dan laporan dan informasi.
The Bank provides the following custodial services
administration of
securities, administration
of funds
and report
and information.
PT BANK WOORI SAUDARA INDONESIA 1906 Tbk formerly PT BANK HIMPUNAN SAUDARA 1906 Tbk
NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2014 AND 2013 AND
FOR THE YEARS THEN ENDED Continued
- 91 - 44. SEGMEN OPERASI
44. OPERATING SEGMENTS
Bank memiliki lima pelaporan segmen. Di bawah ini merupakan penjelasan mengenai operasi dari
masing-masing pelaporan segmen yang dimiliki oleh Bank:
The Bank has five reportable segments. The following describes the operations in each of the
Bank’s reportable segments:
Pensiunan – termasuk pinjaman yang
diberikan kepada nasabah pensiunan.
Pensioner – includes loans disbursed to
pensioners debtor.
Pegawai – termasuk pinjaman yang
diberikan kepada
nasabah pegawai
pemerintahan.
Employee – includes loans disbursed to
government employees
Komersial – termasuk pinjaman yang
diberikan untuk nasabah komersial seperti koperasi, multifinance dan lain-lain.
Commercial
– includes loans disbursed to commercial debtors such as
cooperation, multifinance and others.
Tresuri – segmen ini terkait dengan kegiatan
tresuri Bank termasuk transaksi money market
dan investasi
dalam bentuk
penempatan dan efek-efek.
Treasury – undertakes the Bank’s treasury
activities which include money market and
investment in
placements and
securities.
Pendanaan – segmen ini terkait dengan
kegiatan pendanaan
Bank termasuk
transaksi dana pihak ketiga, obligasi dan lain-lain
Funding
– undertakes the Bank’s funding activities which include third party fund,
bonds and others.
Lain-lain – termasuk di dalam lain-lain
adalah informasi segmen sehubungan dengan aktifitas kantor pusat seperti
aktivitas back office, jasa trade finance dan lain-lain.
Others
– includes in the others is reporting segment information associated with head
office activities such as all back office processes, trade finance services and
others.
Dalam segmen operasi ini, Bank menggunakan pendapatan bunga sebagai parameter utama
dalam menentukan hasil operasi dari masing- masing segmen.
In this operating segment, the Bank uses interest income as the key parameter in determining the
operation result of each segment.
Pensiunan Pegawai
Komersial Tresuri
Pendanaan Lain-lain
Jumlah Pensioner
Employee Commercial
Treasury Funding
Others Total
Rp Juta Rp Juta
Rp Juta Rp Juta
Rp Juta Rp Juta
Rp Juta Rp Million
Rp Million Rp Million
Rp Million Rp Million
Rp Million Rp Million
Pendapatan bunga -
- 223.685
13.536 11.651
2.692 251.564
Interest revenues Beban bunga
- -
15.187 1.706
11.221 8.138
36.252 Interest expenses
Pendapatan bunga - bersih -
- 208.498
11.830 430
5.446 215.312
Interest revenues - net Aset
3.939.418 1.392.485
7.939.184 2.204.625
147.776 809.288
16.432.776 Assets
Liabilitas -
- 62.057
426.617 11.518.479
521.358 12.528.511
Liabilities 2014
Pensiunan Pegawai
Komersial Tresuri
Pendanaan Lain-lain
Jumlah Pensioner
Employee Commercial
Treasury Funding
Others Total
Rp Juta Rp Juta
Rp Juta Rp Juta
Rp Juta Rp Juta
Rp Juta Rp Million
Rp Million Rp Million
Rp Million Rp Million
Rp Million Rp Million
Pendapatan bunga -
- 196.304
15.395 13.990
2.343 228.032
Interest revenues Beban bunga
- -
10.720 867
10.570 5.954
28.111 Interest expenses
Pendapatan bunga - bersih -
- 185.584
14.528 3.420
3.611 199.921
Interest revenues - net Aset
- -
5.317.621 682.189
112.427 109.643
6.221.880 Assets
Liabilitas -
- 77.077
931.596 3.497.330
67.915 4.573.918
Liabilities 2013
PT BANK WOORI SAUDARA INDONESIA 1906 Tbk formerly PT BANK HIMPUNAN SAUDARA 1906 Tbk
NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2014 AND 2013 AND
FOR THE YEARS THEN ENDED Continued
- 92 - Rekonsiliasi antara pendapatan bunga bersih
disesuaikan dengan
laba sebelum
pajak penghasilan adalah sebagai berikut:
A reconciliation between net interest income with income before tax are as follows:
2014 2013
Rp Juta Rp Juta
Rp Million Rp Million
Pendapatan bunga - bersih 215.312
199.921 Interest revenues - net
Pendapatan operasional lainnya 178.117
177.206 Other operating revenues
Beban operasional lainnya 201.381
104.504 Other operating expenses
Beban non operasional - bersih 3.250
- Non operating expenses - net
Laba sebelum pajak penghasilan 188.798
272.623 Income before tax
Segmen geografis Geographical segment
Jawa Barat Jakarta
Lainny a Eliminasi
Jumlah West Java
Jakarta Others
Elimination Total
Rp Juta Rp Juta
Rp Juta Rp Juta
Rp Juta Rp Million
Rp Million Rp Million
Rp Million Rp Million
Penghasilan bunga - bersih -
215.312 -
- 215.312
Interest revenues - net Pembentukan cadangan
Allowance for kerugian penurunan nilai
impairment losses on atas aset keuangan
- 69.309
- -
69.309 financial assets
Pendapatan operasional lainny a 29.325
136.575 12.217
178.117 Other operating income
Beban tenaga kerja -
24.733 -
2.813 27.546
Personnel expense General and administrative
Beban umum dan administrasi 5.181
98.894 451
- 104.526
expenses Laba operasional - bersih
24.144 158.951
11.766 2.813
192.048 Operating income - net
Beban non operasional - Non operating expenses -
bersih -
86 -
3.164 3.250
net Laba sebelum pajak
24.144 158.865
11.766 5.977
188.798 Income before tax
Beban pajak -
50.725 -
- 50.725
Tax expense Laba bersih
24.144 108.140
11.766 5.977
138.073 Net income
Jumlah aset 6.519.347
8.337.458 2.401.260
825.289 16.432.776
Total assets Jumlah liabilitas
8.238.368 4.746.840
1.895.823 2.352.520
12.528.511 Total liabilities
2014
Jawa Barat Jakarta
Lainny a Eliminasi
Jumlah West Java
Jakarta Others
Elimination Total
Rp Juta Rp Juta
Rp Juta Rp Juta
Rp Juta Rp Million
Rp Million Rp Million
Rp Million Rp Million
Penghasilan bunga - bersih -
199.921 -
- 199.921
Interest revenues - net Pembentukan cadangan
Allowance for kerugian penurunan nilai
impairment losses on atas aset keuangan
- 515
- -
515 financial assets
Pendapatan operasional lainny a 27.553
134.886 14.767
- 177.206
Other operating income Beban tenaga kerja
- 24.120
- -
24.120 Personnel expense
General and administrative Beban umum dan administrasi
1.645 78.867
247 -
80.759 expenses
Laba operasional - bersih 25.908
232.335 14.520
- 272.763
Operating income - net Beban non operasional -
Non operating expenses - bersih
- 140
- -
140 net
Laba sebelum pajak 25.908
232.195 14.520
- 272.623
Income before tax Beban pajak
- 70.538
- -
70.538 Tax expense
Laba bersih 25.908
161.657 14.520
- 202.085
Net income Jumlah aset
565.476 5.177.117
479.287 -
6.221.880 Total assets
Jumlah liabilitas 565.476
3.529.155 479.287
- 4.573.918
Total liabilities 2013
PT BANK WOORI SAUDARA INDONESIA 1906 Tbk formerly PT BANK HIMPUNAN SAUDARA 1906 Tbk
NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2014 AND 2013 AND
FOR THE YEARS THEN ENDED Continued
- 93 - 45. MANAJEMEN RISIKO
45. RISK MANAGEMENT