BEBAN PENYISIHAN :: Bank Artha Graha Internasional :: Laporan Tahunan Bank Artha Graha Internasional
40. OPERATING SEGMENT INFORMATION Segmen Operasi
Operating Segment Segmen operasi dilaporkan sesuai dengan laporan internal yang disiapkan untuk pengambil keputusan operasional yang bertanggung jawab untuk mengalokasikan sumber daya ke segmen tertentu dan melakukan penilaian atas performanya. Seluruh segmen operasi yang digunakan oleh Bank telah memenuhi kriteria pelaporan berdasarkan PSAK 5 Revisi 2009, “Segmen Operasi”. Operating segments are reported in accordance with the internal reporting provided to the chief operating decision maker, which is responsible for allocating resources to the reportable segments and assesses its performance. All operating segments used by the Bank meet the definition of a reportable segment under PSAK 5 Revised 2009, “Operating Segments”. Tidak terdapat pendapatan dari satu konsumen eksternal atau pihak lain yang mencapai 10 atau lebih dari jumlah pendapatan Bank untuk tahun yang berakhir pada tanggal 31 Desember 2016 dan 2015. There was no revenue from the external customers or other parties that reached 10 or more of the Bank’s income for the years ended December 31, 2016 and 2015. Bank memiliki empat pelaporan segmen. Di bawah ini merupakan penjelasan mengenai operasi dari masing-masing pelaporan segmen yang dimiliki oleh Bank: Produktif - termasuk pinjaman yang diberikan kepada sektor produktif, di antaranya, kredit modal kerja dan investasi. Konsumtif - termasuk pinjaman yang diberikan untuk keperluan konsumtif. Treasuri - segmen ini terkait dengan kegiatan treasuri Bank termasuk transaksi money market dan investasi dalam bentuk penempatan dan efek. Lain-lain - termasuk aktivitas back office dan divisi yang tidak menghasilkan laba. The Bank has four reportable segments. The following describes the operations in each of the Bank’s reportable segments: Productive - includes loans disbursed to productive sectors, among others working capital and investment loans. Consumer - includes loans disbursed for consumptive purposes. Treasury - undertake the Bank’s treasury activities which include money market and investment in placements and securities. Others - includes all back office processes and non-profit generating divisions in the Bank.Parts
» :: Bank Artha Graha Internasional :: Laporan Tahunan Bank Artha Graha Internasional
» Memberikan pelayanan prima pada masyarakat menjadi salah satu kunci sukses kami.
» Memberikan solusi keuangan yang komprehensif dan inovatif sesuai kebutuhan pasar.
» To provide excellent service is one of our key success factors.
» To provide comprehensive and innovative inancial solutions based on market needs.
» Menciptakan manfaat yang optimal bagi stakeholders.
» Menjadi good corporate citizen yang peduli terhadap
» To create optimum beneits for stakeholders.
» pT SUMBEr To be good corporate citizen that cares for its people and environment.
» pT KarYa To be good corporate citizen that cares for its people and environment.
» pT pUSpITa To be good corporate citizen that cares for its people and environment.
» 0.43 To be good corporate citizen that cares for its people and environment.
» 0.41 To be good corporate citizen that cares for its people and environment.
» Baik To be good corporate citizen that cares for its people and environment.
» tingkat risiko yang akan diambil risk appetite dan
» pengawasan aktif Direksi dan Dewan Komisaris.
» Kecukupan kebijakan dan prosedur Manajemen risiko serta penetapan limit risiko.
» active Supervision of Board of Commissioners and Board of Directors.
» The adequacy of risk Management policies, procedures and limits
» Adequacy process of identiication, measurement, monitoring and control of risk management
» Sistem pengendalian internal yang menyeluruh.
» overall internal control system
» active supervision of Board of Directors and Board of Commissioners
» pengendalian Internal Satuan Kerja Audit Intern SKAI telah melakukan
» Sistem Informasi Manajemen pengembangan sistem informasi yang dapat
» Sumber Daya Manusia dan pelatihan Dalam peningkatan kualitas sumber daya manusia,
» Establishment and General Information of the Bank
» Pendirian dan Informasi Umum Bank lanjutan
» Establishment and General Information of the Bank continued
» Penawaran Umum Saham Bank Public Offering of the Bank’s Shares
» Penawaran Umum Saham Bank lanjutan Public Offering of the Bank’s Shares
» Susunan Pengurus Bank dan Karyawan Composition of the Bank’s Management and
» Susunan Pengurus Bank dan Karyawan lanjutan
» Composition of the Bank’s Management and Employees continued
» Completion of the Financial Statements
» a. Pernyataan UMUM lanjutan 2. GENERAL continued
» Statement of Compliance and Basis of Financial Statements Preparation
» Statement of Compliance and Basis of Financial
» Changes to Statements of Financial Accounting Standards “PSAK” and
» Transaksi dan Saldo dalam Mata Uang Asing Transactions and Balances in Foreign
» Aset dan Liabilitas Keuangan Financial Assets and Liabilities
» Financial Assets and Liabilities continued
» Kas dan Setara Kas Cash and Cash Equivalents
» Giro pada Bank Indonesia dan Bank Lain Current Accounts with Bank Indonesia and
» Efek-efek Marketable Securities UMUM lanjutan 2. GENERAL continued
» Marketable Securities continued UMUM lanjutan 2. GENERAL continued
» Derivative Financial Instruments UMUM lanjutan 2. GENERAL continued
» Loans UMUM lanjutan 2. GENERAL continued
» Loans continued UMUM lanjutan 2. GENERAL continued
» Penyertaan Saham Investments in Shares of Stock
» Acceptance Receivables and Payables
» Fixed Assets continued UMUM lanjutan 2. GENERAL continued
» Aset Takberwujud Intangible Asset
» Intangible Asset continued UMUM lanjutan 2. GENERAL continued
» Prepaid Expenses and Other Assets
» Agunan yang Diambil Alih Foreclosed Assets
» Foreclosed Assets continued UMUM lanjutan 2. GENERAL continued
» Liabilitas Segera Obligations Due Immediately
» Simpanan Nasabah Deposits from Customers
» Pinjaman Subordinasi Subordinated Loan
» Interest Income and Expenses
» Interest Income and Expenses continued
» Pendapatan dan Beban Provisi dan Komisi Fees and Commissions Income and Expense
» Other Operating Income and Expenses
» Perpajakan Taxation UMUM lanjutan 2. GENERAL continued
» Taxation continued UMUM lanjutan 2. GENERAL continued
» Laba per Saham Earnings per Share
» CASH :: Bank Artha Graha Internasional :: Laporan Tahunan Bank Artha Graha Internasional
» GIRO PADA BANK INDONESIA CURRENT
» GIRO PADA BANK INDONESIA lanjutan CURRENT
» CURRENT ACCOUNTS WITH OTHER BANKS
» GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» EFEK-EFEK EFEK-EFEK MARKETABLE SECURITIES
» EFEK-EFEK lanjutan MARKETABLE SECURITIES continued
» TAGIHAN DAN LIABILITAS DERIVATIF DERIVATIVE
» PENDAPATAN BUNGA YANG MASIH AKAN DITERIMA
» BIAYA DIBAYAR DI MUKA PREPAID EXPENSES KREDIT YANG DIBERIKAN LOANS
» KREDIT YANG DIBERIKAN lanjutan LOANS continued
» PENYERTAAN SAHAM INVESTMENT IN SHARES OF STOCK
» PENYERTAAN SAHAM lanjutan INVESTMENT IN SHARES OF STOCK
» ASET TETAP lanjutan FIXED ASSETS continued
» ASET TETAP lanjutan FIXED ASSETS continued ASET TAKBERWUJUD INTANGIBLE ASSET
» SIMPANAN NASABAH lanjutan CUSTOMER DEPOSITS continued
» SIMPANAN DARI BANK LAIN lanjutan DEPOSITS FROM OTHER BANKS continued
» SIMPANAN DARI BANK LAIN lanjutan DEPOSITS
» Prepaid Taxes TAXATION a. Pajak Dibayar di Muka
» Pajak Penghasilan Income Tax
» Pajak Penghasilan lanjutan Income Tax continued
» Pajak Penghasilan lanjutan Income Tax lanjutan
» Beban Imbalan Pasca Kerja Post-Employment Benefits Expense
» Liabilitas Imbalan Pasca Kerja Post-Employment Benefits Liability
» PINJAMAN SUBORDINASI lanjutan SUBORDINATED LOAN continued
» SHARE CAPITAL :: Bank Artha Graha Internasional :: Laporan Tahunan Bank Artha Graha Internasional
» TAMBAHAN MODAL DISETOR - NETO ADDITIONAL PAID-IN CAPITAL - NET
» PENDAPATAN BUNGA INTEREST INCOME
» PENDAPATAN BUNGA lanjutan INTEREST INCOME continued
» BEBAN BUNGA INTEREST EXPENSES
» BEBAN OPERASI OPERATIONAL EXPENSES
» GENERAL AND :: Bank Artha Graha Internasional :: Laporan Tahunan Bank Artha Graha Internasional
» BEBAN NON-OPERASIONAL - NETO NON-OPERATING EXPENSES - NET
» TRANSAKSI DAN SALDO DENGAN PIHAK- PIHAK BERELASI
» TRANSACTIONS AND BALANCES WITH RELATED PARTIES
» POSISI DEVISA NETO NET OPEN POSITION
» POSISI DEVISA NETO lanjutan NET OPEN POSITION continued
» OPERATING SEGMENT INFORMATION Segmen Operasi
» INFORMASI SEGMEN USAHA lanjutan OPERATING SEGMENT INFORMATION
» RISK MANAGEMENT I. Kerangka Manajemen Risiko
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Kredit Credit Risk
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Kredit lanjutan Credit Risk continued
» Risiko Kredit lanjutan Credit Risk continued
» Risiko Kredit lanjutan Credit Risk continued Risiko Pasar Market Risk
» Risiko Pasar lanjutan Market Risk continued
» Risiko Likuiditas Liquidity Risk
» Risiko Likuiditas lanjutan Liquidity Risk continued
» Risiko Operasional Operational Risk
» Risiko Operasional lanjutan Operational Risk continued
» Risiko Reputasi Reputation Risk
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Hukum lanjutan Legal Risk continued
» Risiko Kepatuhan Compliance Risk
» Risiko Kepatuhan lanjutan Compliance Risk continued
» Risiko Stratejik Strategic Risk
» Risiko Stratejik lanjutan Strategic Risk continued
» Marketable securities Loans NILAI WAJAR INSTRUMEN KEUANGAN FAIR
Show more