ToTaL operations and Technology

Kinerja jasa layanan Bank didominasi oleh layanan kliring. Secara keseluruhan, kinerja jasa layanan di 2015 mengalami peningkatan sebesar 30,95 atau menjadi Rp9.444,50 miliar dari Rp7.212,51 miliar di 2014. Peningkatan tersebut berasal dari peningkatan SKBDN, pembayaran gaji karyawan, ATM Victoria, pembayaran Telkom, dan kliring yang masing- masing meningkat sebesar 1.982,24, 292,88, 41,60, 40,50, dan 31,47. Peningkatan jasa layanan tersebut disebabkan kemudahan yang ditawarkan Bank yang menyebabkan semakin tingginya permintaan nasabah atas jasa layanan terkait, khususnya layanan kliring. Namun demikian, beberapa kinerja jasa layanan menunjukkan penurunan. Penurunan tersebut terjadi pada jasa layanan money changer, Western Union, dan bank garansi yang masing-masing menurun sebesar 100,00, 72,41, dan 2,77. Penurunan juga terjadi pada pembayaran listrik PLN prepaid dan postpaid yang masing- masing menurun 14,34 dan 4,26. Penurunan kinerja jasa layanan tersebut khususnya disebabkan oleh perlambatan pertumbuhan ekonomi global maupun domestik yang menyebabkan menurunnya nilai transaksi jasa layanan Western Union oleh nasabah yang merupakan tenaga kerja Indonesia di luar negeri. Selain itu, perlambatan ekonomi juga menyebabkan direschedulenya pengerjaan beberapa proyek yang membutuhkan bank garansi. Dalam upaya untuk meningkatkan kinerja Western Union dan bank garansi, Bank telah menetapkan langkah ke depan. Peningkatan kinerja Western Union dilakukan dengan mengupayakan agar cabang lebih proaktif dalam menawarkan jasa layanan terkait kepada nasabah, meningkatkan status subagen menjadi agen, serta melakukan refreshment kepada pegawai yang menangani transaksi Western Union. Sedangkan peningkatan kinerja bank garansi, selain dilakukan dengan mengupayakan lebih proaktifnya cabang dalam menawarkan jasa layanan terkait, juga dilakukan melalui kerja sama pembukaan bank garansi dengan Badan Usaha Milik Negara BUMN. KineRJa seGMen UsaHa Segmen usaha adalah sekelompok aset dan operasi yang menyediakan barang atau jasa yang memiliki risiko serta tingkat pengembalian yang berbeda dengan segmen usaha lainnya. Dalam menjalankan kegiatan usaha, Bank Victoria membagi segmen usaha berdasarkan peraturan kebijakan akuntansi, yaitu berdasarkan segmen operasi dan segmen geograis. seGMen oPeRasi Segmen operasi Bank dikelompokkan berdasarkan PSAK 5 Revisi 2009 mengenai “Segmen Operasi”. Berdasarkan peraturan tersebut dan kondisi Bank, segmen operasi Bank Victoria disajikan berdasarkan bank umum - konvensional dan bank syariah. The Bank’s services were dominated by clearing service and the overall performance of services in 2015 increased by 30.95, with a value of Rp9,444.50 billion compared with Rp7,212.51 billion in 2014. The increase was derived from the increase in SKBDN, employee payroll, ATM Victoria, Telkom bill payment, and clearing, respectively by 1,982.24, 292.88, 41.60, 40.50 and 31.47. The increase in these services was due to the convenience ofered by the Bank, which led to greater demand among customers for these services, in particular clearing. On the other hand, some services showed a decline in performance. Decline was seen in money changer service, Western Union, and bank guarantee, by 100.00, 72.41 and 2.77, respectively. Decline was also seen in PLN prepaid and postpaid bill payment, by 14.34 and 4.26 respectively. The decline in the performance of these services was especially due to the slowdown of the global and domestic economic growth which caused a decline in the value of Western Union transactions by clients who are Indonesian workers abroad. Moreover, the economic slowdown has also led to the the execution of several projects that require a bank guarantee being rescheduled or postponed. In an efort to improve the performance of Western Union and bank guarantee services, the Bank has determined future measures to be taken. The performance of Western Union will be improved by ensuring that the branches are more proactive in ofering such services to customers, improving the status of subagents into agents, as well as conducting a refreshment course for employees handling Western Union transactions. To improve the performance of bank guarantee service, the Bank will pursue a more proactive strategy in its branches when ofering such services, and also will enter a cooperation for opening bank guarantees with State Owned Enterprises SOEs. BUsiness seGMenTs PeRFoRManCe A business segment is a group of assets and operations that provide goods and services that have their own set of risks and returns that difer from those of other business segments. In running the business, Bank Victoria divides its business segments based on the accounting policy it adopts, i.e. by operation and by geographical location. oPeRaTinG seGMenTs The Bank’s operating segment is categorized based on the PSAK 5 Revision 2009 on “Operating Segments”. Based on these regulations and the conditions of the Bank, the Bank’s operating segments are presented under conventional commercial bank and sharia bank.