INFORMASI SEGMEN lanjutan SEGMENT INFORMATION continued

459 2013 Annual Report BNI DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2013 DAN 2012 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2013 AND 2012 Expressed in millions of Rupiah, unless otherwise stated 42. INFORMASI SEGMEN lanjutan 42. SEGMENT INFORMATION continued Ringkasan berikut menjelaskan operasi masing- masing segmen dalam pelaporan segmen Bank: The following summary describes the operations in each of the Banks reportable segments: - Korporasi : termasuk kredit yang diberikan, simpanan nasabah dan transaksi-transaksi lainnya atas nasabah korporasi. - Komersial dan Kecil : termasuk kredit yang diberikan, simpanan nasabah dan transaksi- transaksi lainnya atas nasabah dengan skala kecil hingga menengah. - Konsumer dan Ritel : termasuk kredit pembiayaan konsumsi antara lain kredit kepemilikan rumah, kartu kredit dan transaksi- transaksi lain atas nasabah konsumer, serta termasuk kredit yang diberikan kepada individu dengan skala ritel. - Tresuri dan Institusi Keuangan : terkait dengan kegiatan tresuri Bank termasuk transaksi valuta asing, money market, capital market dan fixed income, termasuk antara lain bisnis perbankan internasional dan supervisi cabang Luar Negeri. - Kantor Pusat : merupakan penyediaan jasa secara sentralisasi kepada segmen lainnya. - Entitas Anak : seluruh transaksi yang dilakukan oleh Entitas Anak yang bergerak di bidang perbankan syariah, asuransi, pembiayaan konsumen dan sekuritas. - Corporate : includes loans, deposits and other transactions and balances with corporate customers. - Commercial and Small : includes loans, deposits and other transactions and balances with small the middle size of customers. - Consumer and Retail : includes consumer loan such as housing loans, credit cards and other transactions with consumer loans, and including loans to retail customers. - Treasury and Financial Institution : treasury activities include foreign exchange, money market, capital market and fixed income, also including international banking and overseas branch supervision. - Head Office : represent centralized services for other segments. - Subsidiaries : all transactions from Subsidiaries in sharia banking, insurance, consumer financing and securities. Kinerja diukur berdasarkan laba segmen sebelum pajak penghasilan, sebagaimana dilaporkan dalam laporan internal manajemen yang direview oleh Manajemen Bank. Keuntungan segmen digunakan untuk mengukur kinerja dimana manajemen berkeyakinan bahwa informasi tersebut paling relevan dalam mengevaluasi hasil segmen tersebut relatif terhadap entitas lain yang beroperasi dalam industri tersebut. Performance is measured based on segment profit before income tax, as included in the internal management reports that are reviewed by the Banks Management. Segment profit is used to measure performance of that business segment as management believes that such information is the most relevant in evaluating the results of those segments relative to other entities that operate within these industries. Informasi yang berkaitan dengan segmen usaha yang utama dari Grup disajikan dalam tabel di bawah ini: Information concerning the operating segments of the Group are set out in the table below: 2013 Korporasi Corporate Komersial dan Kecil Commercial and Small Konsumer dan Ritel Consumer and Retail Tresuri dan Insitusi Keuangan Treasury and Financial Institution Kantor Pusat Head Office Entitas Anak Subsidiaries Penyesuaian dan eliminasi Adjustment and elimination Konsolidasi Consolidation Pendapatan bunga dan pendapatan Interest income and syariah - neto 4,673,633 4,825,988 7,625,088 1,255,758 - 917,083 239,269 19,058,281 sharia income - net Pendapatan operasional lainnya 2,102,444 1,830,306 3,248,822 1,608,365 401,046 1,920,735 868,722 9,440,904 Other operating income Pembentukan cadangan kerugian Allowance for impairment penurunan nilai 46,515 1,554,709 858,302 6,485 346,101 11,388 - 2,707,694 losses Beban operasional Other operating lainnya 1,236,013 2,164,839 4,883,330 824,661 2,865,674 2,598,171 - 14,572,688 expenses Laba operasional 5,586,579 2,936,746 5,132,278 2,032,977 3,612,821 251,035 1,107,991 11,218,803 Operating income Pendapatanbeban bukan operasional - Non operating income neto 486 17 1,897 85,305 164,288 22,021 - 59,362 expenses - net Laba sebelum Income before beban pajak 5,587,065 2,936,763 5,134,175 1,947,672 3,448,533 229,014 1,107,991 11,278,165 tax expense Total aset 116,898,486 66,155,619 50,090,167 118,464,923 29,986,970 19,291,750 14,233,100 386,654,815 Total assets Total liabilitas 73,940,474 56,531,318 150,788,759 30,872,697 12,671,273 16,545,859 2,379,070 338,971,310 Total liabilities 460 2013 Annual Report BNI DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2013 DAN 2012 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2013 AND 2012 Expressed in millions of Rupiah, unless otherwise stated 42. INFORMASI SEGMEN lanjutan 42. SEGMENT INFORMATION continued