Market Risk Tujuan dan Kebijakan Manajemen Risiko

139 Bank Victoria Syariah | Annual Report 2016 PT BANK VICTORIA SYARIAH Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2016 dan 2015 Angka-angka Disajikan dalam Rupiah, kecuali Dinyatakan Lain PT BANK VICTORIA SYARIAH Notes to Financial Statements For the Years Ended December 31, 2016 and 2015 Figures are Presented in Rupiah, unless Otherwise Stated 6. Memenuhi seluruh kewajiban kepada nasabah secara tepat waktu untuk menjaga kepercayaan nasabah sementara tetap menjaga profitabilitas Bank. 6. Settling obligation to customer in time to keep customer trust while maintaining the Bank’s profitability. Berikut adalah jadwal jatuh tempo liabilitas keuangan berdasarkan pembayaran kontraktual yang tidak didiskontokan pada tanggal 31 Desember 2016 dan 2015: Below table shown the maturities of financial liabilities based on contractual undiscounted payments as of December 31, 2016 and 2015: Sampai 1 bulan 3 bulan 6 bulan dengan s.d. s.d. s.d. 1 bulan 3 bulan 6 bulan 12 bulan Biaya 1 month More than More than More than administrasi Nilai Tercatat or 1 month until 3 months until 6 months until Jumlah Administration Carriying less 3 months 6 months 12 months Total cost value Liabilitas Liabilities Liabilitas segera 3.372.927.636 - - - 3.372.927.636 - 3.372.927.636 Liabilities immediately payable Simpanan giro wadiah 37.132.349.505 - - - 37.132.349.505 - 37.132.349.505 Wadiah demand deposits Simpanan dari bank lain 178.000.000.000 - - - 178.000.000.000 - 178.000.000.000 Deposits from other banks Bagi hasil yang belum dibagikan 3.998.183.434 - - - 3.998.183.434 - 3.998.183.434 Undistributed revenue sharing Liabilitas lain-lain 444.283.333 - - - 444.283.333 - 444.283.333 Other liabilities Jumlah Liabilitas 222.947.743.908 - - - 222.947.743.908 - 222.947.743.908 Total Liabilities Dana Syirkah Temporer Temporary Syirkah Funds Tabungan mudharabah 40.157.242.708 - - - 40.157.242.708 - 40.157.242.708 Mudharabah saving deposits Deposito mudharabah 682.928.161.841 227.504.649.312 72.890.295.401 175.200.000.001 1.158.523.106.555 - 1.158.523.106.555 Mudharabah deposits Giro mudharabah 118.652.689 - - - 118.652.689 - 118.652.689 Mudharabah demand deposits Jumlah Dana Syirkah Total Temporary Temporer 723.204.057.238 227.504.649.312 72.890.295.401 175.200.000.001 1.198.799.001.952 - 1.198.799.001.952 syirkah funds 2016 Sampai 1 bulan 3 bulan 6 bulan dengan s.d. s.d. s.d. 1 bulan 3 bulan 6 bulan 12 bulan Biaya 1 month More than More than More than administrasi Nilai Tercatat or 1 month until 3 months until 6 months until Jumlah Administration Carriying less 3 months 6 months 12 months Total cost value Liabilitas Liabilities Liabilitas segera 2.311.584.893 - - - 2.311.584.893 - 2.311.584.893 Liabilities immediately payable Simpanan giro wadiah 45.651.567.050 - - - 45.651.567.050 - 45.651.567.050 Wadiah demand deposits Simpanan dari bank lain 50.000.000.000 - - - 50.000.000.000 - 50.000.000.000 Deposits from other banks Bagi hasil yang belum dibagikan 4.192.401.827 - - - 4.192.401.827 - 4.192.401.827 Undistributed revenue sharing Liabilitas lain-lain 327.250.000 - - - 327.250.000 - 327.250.000 Other liabilities Jumlah Liabilitas 102.482.803.770 - - - 102.482.803.770 - 102.482.803.770 Total Liabilities Dana Syirkah Temporer Temporary Syirkah Funds Tabungan mudharabah 50.318.595.806 - - - 50.318.595.806 - 50.318.595.806 Mudharabah saving deposits Deposito mudharabah 834.731.145.538 95.871.909.825 108.765.000.000 7.610.000.000 1.046.978.055.363 - 1.046.978.055.363 Mudharabah deposits Giro mudharabah 8.108.928.438 - - - 8.108.928.438 - 8.108.928.438 Mudharabah demand deposits Jumlah Dana Syirkah Total Temporary Temporer 893.158.669.782 95.871.909.825 108.765.000.000 7.610.000.000 1.105.405.579.607 - 1.105.405.579.607 syirkah funds 2015

d. Risiko Operasional

d. Operational Risk

Risiko operasional adalah risiko kerugian yang langsung ataupun tidak langsung yang terjadi karena tidak memadainya atau karena adanya kegagalan proses internal, kesalahan manusia, kegagalan sistem, danatau adanya kejadian-kejadian eksternal yang mempengaruhi operasional Bank. Operational risk is a loss risk, directly or indirectly, due to insufficient or failure in internal process, human errors, system failures, andor external events which affected the Bank’s operations. - 63 -