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