Risiko operasional AR 2015 Bank Victoria Final

47 2 PT Bank V ict oria Int erna tional T bk. Tabel 2.2.b. Pengungkapan Tagihan Bersih Berdasarkan sisa Jangka Waktu Kontrak - Bank secara Konsolidasi dengan Perusahaan anak Table 2.2.b. net Receivables by Remaining Contract Period - Bank, Consolidated with subsidiaries dalam Juta Rp in million Rp no Kategori Portofolio 31 Desember 2015 December 31, 2015 31 Desember 2014 December 31, 2014 Portfolio Category Tagihan bersih berdasarkan sisa jangka waktu kontrak net Receivables by Remaining Contract Period Tagihan bersih berdasarkan sisa jangka waktu kontrak net Receivables by Remaining Contract Period 1 tahun 1 year 1 thn s.d. 3 thn 1 to 3 years 3 thn s.d. 5 thn 3 to 5 years 5 thn 5 years non- Kontraktual non- Contractual Total Total 1 tahun 1 year 1 thn s.d. 3 thn 1 to 3 years 3 thn s.d. 5 thn 3 to 5 years 5 thn 5 years non- Kontraktual non- Contractual Total Total 1 2 3 4 5 6 7 8 9 10 11 12 13 14 2 1 Tagihan Kepada Pemerintah 2,258,363 644,471 32,190 1,694,748 - 4,629,772 3,810,627 60,053 38,937 480,188 - 4,389,805 Receivables from Government 2 Tagihan Kepada Entitas Sektor Pubik 31,705 14,910 4,746 66,319 - 117,680 220,454 31,787 4,765 67,273 - 324,279 Receivables from Public Sector Entities 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional - - - - - - - - - - - - Receivables from Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank 2,087,058 87,481 28,699 8,595 - 2,211,833 1,835,176 207,422 22,604 9,481 - 2,074,684 Receivables from Banks 5 Kredit Beragun Rumah Tinggal 198,691 67,540 67,728 421,496 - 755,456 3,289 119,480 277,725 433,900 - 834,394 Residential Property Collateralized Loans 6 Kredit Beragun Properti Komersial 1,626,914 540,607 575,349 270,464 - 3,013,333 1,133,729 261,337 412,179 456,393 - 2,263,637 Commercial Property Collateralized Loans 7 Kredit Pegawai Pensiunan - - - - - - - - - - - - Employee Retirement Loans 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 1,055,758 95,463 247,680 321,061 - 1,719,962 1,033,212 86,915 280,533 309,021 - 1,709,681 Receivables from Microbusiness, Small Business, and Retail Portfolio 9 Tagihan kepada Korporasi 4,839,543 2,121,923 1,400,877 203,062 - 8,565,405 5,021,158 1,448,086 1,798,161 698,427 - 8,965,832 Receivables from Corporations 10 Tagihan yang Telah Jatuh Tempo 486,777 50,978 71,032 47,218 - 656,005 130,922 45,049 180,463 54,330 - 410,764 Due Receivables 11 Aset Lainnya 925,480 - - - - 925,480 347,230 3,721 - - - 350,951 Other Assets 12 Eksposur di Unit Usaha Syariah apabila ada - - - - - - - - - - - - Exposure in Sharia Business Unit if any ToTaL 13,510,289 3,623,373 2,428,301 3,032,963 - 22,594,927 13,535,798 2,263,850 3,015,368 2,509,013 - 21,324,028 ToTaL