Penerbitan obligasi AR 2015 Bank Victoria Final
2.15 interest and sharia expenses
Simpanan Dana Pihak Ketiga 1,501,970 1,545,342 43,372 2.81 Third Party Deposits Obligasi yang Diterbitkan 102,490 103,500 1,010 0.98 Bonds Issued Amortisasi Emisi Obligasi 2,222 1,495 727 48.59 Amortization of Bonds Issuance Cost Simpanan Dari Bank Lain 50,649 43,326 7,323 16.90 Deposits from Other Banks Lain-lain - 17 17 100.00 Others ToTaL 356,480 337,620 18,8605.59 ToTaL
Pada tahun 2015, pendapatan operasional Bank mencapai Rp356,48 miliar. Pencapaian tersebut meningkat Rp18,86 miliar atau sebesar 5,59 dari tahun 2014 yang mencapai Rp337,62 miliar. Peningkatan pendapatan operasional disebabkan penurunan beban bunga dan syariah yang lebih besar dari penurunan pendapatan bunga dan syariah. Penurunan beban bunga dan syariah mencapai Rp36,35 miliar atau sebesar 2,15 menjadi Rp1.657,33 miliar dari Rp1.693,68 miliar di 2014. Sedangkan, penurunan pendapatan bunga dan syariah mencapai Rp17,49 miliar atau sebesar 0,86 menjadi Rp2.013,81 miliar dari Rp2.031,30 miliar di 2014. Adapun penurunan beban bunga dan syariah khususnya berasal dari penurunan beban simpanan dana pihak ketiga yang mencapai Rp43,37 miliar atau sebesar 2,81. Penurunan beban simpanan dana pihak ketiga tersebut khususnya berasal dari penurunan beban simpanan deposito yang disebabkan Bank melakukan reproiling dana ke dana ritel serta dana yang bersifat jangka pendek ke dana yang bersifat jangka panjang. PenDaPaTan BeBan oPeRasionaL LainnYa Tabel Pendapatan Beban operasional Lainnya Table of other operating income and expenses dalam juta Rp in Rp million Uraian 2015 2014 Pertumbuhan Growth Description 1 2 3 4=2-3 5=2-33 1 Pendapatan operasional Lainnya 203,314 131,954 71,360 54.08 other operating income Pendapatan dari Investasi Reksadana 67,947 66,594 1,353 2.03 Income from Mutual Funds Keuntungan Atas Penjualan Efek-efek yang Diperdagangkan dan Tersedia Untuk Dijual - neto 92,238 30,329 61,909 204.12 Gains on Sale of Trading and Available for Sale Securities - net inCoMe anD eXPense FRoM oPeRaTions In 2015, the Bank’s operating income reached Rp356.48 billion. This achievement signiied an increase of Rp18.86 billion or 5.59 from 2014 igure of Rp337.62 billion. The increase in operating income was due to a decrease in interest and sharia expense being greater than the decline in interest income and sharia. The decrease in interest and sharia expense was Rp36.35 billion or 2.15, reaching Rp1,657.33 billion frm Rp1,693.68 billion in 2014. Meanwhile, the decline in interest income and sharia was Rp17.49 billion or 0.86, reaching Rp2,013.81 billion from Rp2,031.30 billion in 2014. The decrease in interest and sharia expense was especially derived from the decrease in third party deposits, which amounted to Rp43.37 billion or 2.81. The decrease in third party deposits was primarily owing to the decrease in saving deposits as the Bank conducted a funds reproiling, shifting its focus towards retail funds and moving from short-term funds to long-term funds. oTHeR oPeRaTinG inCoMe anD eXPensesParts
» TaBUnGan savinG DePosiTs AR 2015 Bank Victoria Final
» Corporate Lending Commercial Lending
» Transfer RTGs Kredit Implant Banking Kliring Transfer RTGS
» Bills Payment AR 2015 Bank Victoria Final
» aTM victoria AR 2015 Bank Victoria Final
» auto save AR 2015 Bank Victoria Final
» auto Debit AR 2015 Bank Victoria Final
» Western Union AR 2015 Bank Victoria Final
» sKBDn Letter of Credit of the interior
» Bank Guarantee AR 2015 Bank Victoria Final
» Pembayaran Tagihan AR 2015 Bank Victoria Final
» Auto Debet AR 2015 Bank Victoria Final
» sKBDn surat Kredit Berdokumen Dalam negeri
» Bank Garansi AR 2015 Bank Victoria Final
» 99.50 oliver simorangkir 2. Gunawan Tenggarahardja
» 52.43 oliver simorangkir 2. Gunawan Tenggarahardja
» 0.79 oliver simorangkir 2. Gunawan Tenggarahardja
» 7.97 oliver simorangkir 2. Gunawan Tenggarahardja
» 2.50 oliver simorangkir 2. Gunawan Tenggarahardja
» 95.19 oliver simorangkir 2. Gunawan Tenggarahardja
» 17.61 oliver simorangkir 2. Gunawan Tenggarahardja
» 4.75 oliver simorangkir 2. Gunawan Tenggarahardja
» 8.19 oliver simorangkir 2. Gunawan Tenggarahardja
» 12.35 oliver simorangkir 2. Gunawan Tenggarahardja
» 39.37 oliver simorangkir 2. Gunawan Tenggarahardja
» 3.2 oliver simorangkir 2. Gunawan Tenggarahardja
» 4.6 oliver simorangkir 2. Gunawan Tenggarahardja
» 3.8 oliver simorangkir 2. Gunawan Tenggarahardja
» 1.2 oliver simorangkir 2. Gunawan Tenggarahardja
» 1.0 oliver simorangkir 2. Gunawan Tenggarahardja
» 1.9 oliver simorangkir 2. Gunawan Tenggarahardja
» 5.8 oliver simorangkir 2. Gunawan Tenggarahardja
» 4.7 oliver simorangkir 2. Gunawan Tenggarahardja
» 4.5 oliver simorangkir 2. Gunawan Tenggarahardja
» 3.9 oliver simorangkir 2. Gunawan Tenggarahardja
» strategi Peningkatan Kualitas Dana Pihak Ketiga
» strategi Pemasaran strategi Pengembangan Penghimpunan Dana Pihak Ketiga
» Third Party Funds Quality improvement strategy
» Marketing strategy Third Party Funds Collection Development strategy
» strategi Penjualan Third Party Funds Collection Development strategy
» Meningkatkan Portofolio Kredit strategi Pembiayaan Kredit
» Mempercepat Proses Kredit strategi Pembiayaan Kredit
» Meningkatkan Peran dan Kualitas sDM di Bidang Perkreditan
» Meningkatkan Penanganan atau Management Account secara Konsisten
» sales strategy Jaringan Distribusi
» increasing Target Market Lending strategy
» increasing Lending Portfolio Lending strategy
» accelerating Lending Process Lending strategy
» increasing Role and Quality of HR in Lending
» increasing Handling or account Management Consistently
» Mengefektifkan Pengelolaan Jaringan Kantor
» Meningkatkan Perceived strong Presence
» Increasing Eicacy aspek operasional dan Teknologi
» increasing Perceived strong Presence
» ToTaL ToTaL operations and Technology
» ToTaL operations and Technology
» Total Liabilities operations and Technology
» Pemasaran Langsung Direct Marketing
» Direct Marketing operations and Technology
» Pemasaran Tidak Langsung Indirect Marketing
» Market share indirect Marketing
» Market share operations and Technology
» strategi Produk Product Strategy
» strategi Pemasaran Marketing Strategy
» strategi Penjualan Sales Strategy
» Product strategy Development of Third Party Funds Collection
» Marketing strategy Development of Third Party Funds Collection
» sales strategy Development of Third Party Funds Collection
» Meningkatkan Pertumbuhan Portofolio Kredit secara Konsisten
» Melakukan Percepatan Proses Pengajuan Kredit agar Dapat Kompetitif
» setting Goals or Target Market Based on Risk appetite
» increasing Loan Portfolio Growth Consistently
» accelerating Credit application Process in order to be Competitive
» Mengoptimalkan Peran Cabang, Divisi Business dan Divisi Credit Analyst Dalam Peningkatan
» Meningkatkan Peran dan Kualitas sumber Daya Manusia di Bidang Perkreditan
» Meningkatkan PenangananManajemen Account secara Konsisten
» optimizing the Roles of Branches, Business Division and Credit analysis Division in improving
» enhancing the Role and Quality of Human Resources in Lending
» improving account Management Consistently
» Technological and operational aspects
» Perluasan Jaringan Kantor AR 2015 Bank Victoria Final
» Pengembangan Produk dan aktivitas Kredit Baru
» Oice Network Expansion AR 2015 Bank Victoria Final
» Development of new Products and Lending activities
» Go Live Upgrade IT System Untuk Mendukung Proses operasional yang efektif dan efesien
» Go Live Internet Banking dan Mobile Banking
» Meningkatkan Penerimaan Fee Based Income
» Memperoleh izin operasional Menjadi Bank Devisa
» Memperbaiki Kualitas DPK AR 2015 Bank Victoria Final
» Pengembangan segmentasi Kredit UMKM
» Go Live Upgrade IT System to Support Efective and Eicient Operational Processes
» Go Live internet Banking and Mobile Banking
» obtaining the Permit to Become a Foreign exchange Bank
» improving Third Party Funds Quality
» Developing MsMe Credit segmentation
» Penerbitan obligasi AR 2015 Bank Victoria Final
» Pengembangan Jaringan Kantor AR 2015 Bank Victoria Final
» Menjadi Bank Devisa AR 2015 Bank Victoria Final
» Peningkatan Kontribusi Pendapatan Provisi, Komisi, dan Fee Based Income
» Fokus Pada Pengembanganekspansi Kredit sMe dan Komersial
» Pengembangan Produk Kredit dan Pendanaan
» Penggantian Core Banking System
» Bonds issuance AR 2015 Bank Victoria Final
» Becoming a Foreign exchange Bank
» increasing the Contribution of Provision,
» Focus on expansion of Lending to sMe and Commercial segments
» Development of Lending and Funding Products
» ToTaL asseTs switching to a new Core Banking system
» ToTaL LiaBiLiTies switching to a new Core Banking system
» TeMPoRaRY sYiRKaH FUnD switching to a new Core Banking system
» ToTaL eQUiTY switching to a new Core Banking system
» ToTaL switching to a new Core Banking system
» ToTaL ToTaL switching to a new Core Banking system
» interest and sharia expenses
» other operating expenses ToTaL
» non-operating income switching to a new Core Banking system
» non-operating expenses switching to a new Core Banking system
» Bank switching to a new Core Banking system
» subsidiary switching to a new Core Banking system
» 18,434,623 switching to a new Core Banking system
» 1,170,430 switching to a new Core Banking system
» 1,759,829 switching to a new Core Banking system
» non-operating income Loss – net
» income Loss before income Tax
» income Loss after income Tax
» Perubahan struktur organisasi Bank victoria
» Pembentukan Komite Tata Kelola Terintegrasi Berdasarkan Surat Keputusan Direksi No. 017SK-
» Changes in organizational structure of Bank victoria
» establishment of integrated Governance Committee
» Penyusunan Pedoman dan Tata Tertib Komite Tata Kelola Terintegrasi Grup victoria
» Penyusunan Laporan Pelaksanaan Tata Kelola Terintegrasi
» Preparation of the Guidelines and Rules of integrated Governance Committee for victoria Group
» Preparation of integrated Governance
» Pembentukan Komite Manajemen Risiko
» establishment of integrated Risk Management
» Penyusunan Pedoman dan Tata Tertib Komite Manajemen Risiko Terintegrasi Grup victoria.
» Preparation Guidelines and Rules integrated Risk Management Committee for victoria Group.
» The Preparation of integrated Risk Management implementation Report
» Penyusunan Laporan Pelaksanaan Manajemen Risiko Terintegrasi
» Pengawasan aktif Dewan Komisaris
» active supervision by the Board of Commissioners
» Direktur Kepatuhan dan Manajemen Risiko Direktur Kepatuhan dan Manajemen Risiko, yang
» Divisi Kepatuhan Divisi Kepatuhan adalah Satuan Unit Kerja yang
» Director of Compliance and Risk Management
» Compliance Division Compliance Division is a Working Unit in charge
» Penerapan Budaya Kepatuhan AR 2015 Bank Victoria Final
» application of Compliance Culture
» Penerapan Dalam Mengelola Risiko Kepatuhan
» Penerapan Fungsi Kepatuhan Terhadap Kebijakan dan Prosedur serta sistem
» application in Managing Compliance Risk
» The implementation of Compliance Function to the Policies and Procedures and systems
» Penerapan Fungsi Kepatuhan Dalam Penerapan Prinsip Kehati-hatian
» Penerapan Fungsi Kepatuhan Terhadap Komitmen
» The implementation of Compliance Function in the implementation of Prudent Principle
» The implementation of Compliance Function to the Commitment
» The implementation of integrated Compliance Function in victoria Group
» Penerapan Fungsi Kepatuhan Terintegrasi pada Grup victoria
» Pelaporan Lengkap Kejadian Fraud 2. Pengamanan dan penyimpanan
» 99.50 Document safeguard and storage 3.
» 52.43 Document safeguard and storage 3.
» 0.79 Document safeguard and storage 3.
» 7.97 Document safeguard and storage 3.
» 2.50 Document safeguard and storage 3.
» 5.87 Document safeguard and storage 3.
» aspek 1: Hubungan Perusahaan Terbuka dengan Pemegang saham Dalam Menjamin Hak-Hak Pemegang saham.
» aspek 5: Keterbukaan informasi. Document safeguard and storage 3.
» Pengembangan Kompetensi AR 2015 Bank Victoria Final
» Remunerasi Karyawan AR 2015 Bank Victoria Final
» Gender and Work opportunities equality
» Competence Development AR 2015 Bank Victoria Final
» employee Remuneration AR 2015 Bank Victoria Final
» Pelayanan Kesehatan Bank Victoria menyediakan layanan kesehatan
» Program Pensiun Bank Victoria telah mengatur dalam SK Direksi
» Tingkat Perpindahan Turn Over Karyawan
» Healthcare services AR 2015 Bank Victoria Final
» Pension Program AR 2015 Bank Victoria Final
» Financial Literacy infrastructure strengthening Program
» Program Penguatan infrastruktur Literasi Keuangan
» CaPiTaL sTRUCTURe employee Turnover Rate
» sTRUKTUR PeRMoDaLan employee Turnover Rate
» Pengukuran AR 2015 Bank Victoria Final
» Measurement AR 2015 Bank Victoria Final
» Pemantauan AR 2015 Bank Victoria Final
» Pengendalian AR 2015 Bank Victoria Final
» Monitoring Control AR 2015 Bank Victoria Final
» Asset Liabilitiy Committee aLCo
» Divisi Manajemen RisikoTerintegrasi AR 2015 Bank Victoria Final
» Risk Monitoring Committee KPR
» Risk Management Committee KMR
» integratedRisk Management Division AR 2015 Bank Victoria Final
» Risiko Kredit AR 2015 Bank Victoria Final
» Credit Risks AR 2015 Bank Victoria Final
» Risiko Pasar AR 2015 Bank Victoria Final
» Market Risks AR 2015 Bank Victoria Final
» Risiko operasional AR 2015 Bank Victoria Final
» operational Risks AR 2015 Bank Victoria Final
» Risiko Likuiditas AR 2015 Bank Victoria Final
» Liquidity Risks AR 2015 Bank Victoria Final
» Risiko Hukum AR 2015 Bank Victoria Final
» Legal Risks AR 2015 Bank Victoria Final
» Risiko stratejik AR 2015 Bank Victoria Final
» Risiko Kepatuhan AR 2015 Bank Victoria Final
» strategic Risks AR 2015 Bank Victoria Final
» Compliance Risks AR 2015 Bank Victoria Final
» Risiko Reputasi Reputation Risks
» Kepentingan non Pengendali Yang Dapat Diperhitungkan Faktor Pengurang Modal inti Utama: 166,554
» 18.35 Modal inti Tambahan aT-1 -
» d [idr] B- Modal inti Tambahan aT-1 -
» d aa- idn Modal inti Tambahan aT-1 -
» d. a-idn Modal inti Tambahan aT-1 -
» d BBB- idn Modal inti Tambahan aT-1 -
» d F1idn Modal inti Tambahan aT-1 -
» d [idr] BBB- Modal inti Tambahan aT-1 -
» d [idr] BB- Modal inti Tambahan aT-1 -
» d id BBB- Modal inti Tambahan aT-1 -
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