NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014
Expressed in million Rupiah, unless otherwise stated Continued
- 96 - 42. SEGMEN OPERASI
42. OPERATING SEGMENTS
Bank memiliki lima pelaporan segmen. Di bawah ini merupakan penjelasan mengenai operasi dari
masing-masing pelaporan segmen yang dimiliki oleh Bank:
The Bank has five reportable segments. The following describes the operations in each of the
Bank‟s reportable segments:
Pensiunan –
termasuk pinjaman
yang diberikan kepada nasabah pensiunan.
Pensioner
– includes loans disbursed to
pensioners debtor.
Pegawai –
termasuk pinjaman yang diberikan kepada nasabah pegawai pemerintahan.
Employee
– includes loans disbursed to
government employees
Komersial –
termasuk pinjaman
yang diberikan untuk nasabah komersial seperti
koperasi,multifinance dan lain-lain.
Commercial –
includes loans disbursed to commercialdebtorssuch
ascooperation,multifinance and others.
Tresuri –
segmeniniterkaitdengankegiatan tresuri Bank termasuk transaksi money
market dan
investasi dalam
bentuk penempatan dan efek-efek.
Treasury
–undertakestheBank‟streasury activities which include money market
andinvestment in placements and securities.
Pendanaan –
segmen ini terkait dengan kegiatan
pendanaan Bank
termasuk transaksi dana pihak ketiga, obligasi dan
lain-lain
Funding –
undertakes the Bank‟s funding activities which include third party fund,
bonds and others.
Lain-lain –
termasuk di dalam lain-lain adalah informasi segmen sehubungan dengan
aktifitas kantor pusat seperti aktivitas back office, jasa trade finance dan lain-lain.
Others
– includesintheothersisreporting
segment information associated with head office activities such as all back office
processes, tradefinance
services and
others. Dalam segmen operasi ini, Bank menggunakan
pendapatan bunga sebagai parameter utama dalam menentukan hasil operasi dari masing-
masing segmen. In this operating segment, the Bank uses interest
income as the key parameter in determining the operation result of each segment.
Pensiunan Pegawai
Komersial Tresuri
Pendanaan Lain-lain
Jumlah Pensioner
Employee Commercial
Treasury Funding
Others Total
Rp Juta Rp Juta
Rp Juta Rp Juta
Rp Juta Rp Juta
Rp Juta Rp Million
Rp Million Rp Million
Rp Million Rp Million
Rp Million Rp Million
Pendapatan bunga 346,574
119,752 212,922
56,208 4,629
8,047 748,132
Interest revenues Beban bunga
2,262 324
381,085 19,198
402,869 Interest expenses
Pendapatan bunga - bersih 346,574
119,752 210,660
55,884 376,456
11,151 345,263
Interest revenues - net Aset
4,808,490 1,436,048
4,148,435 3,066,184
- 4,757,175
18,216,332 Assets
Liabilitas 666,625
- 10,434,322
3,065,488 14,166,435
Liabilities 30 JuniJune 2015
Pensiunan Pegawai
Komersial Tresuri
Pendanaan Lain-lain
Jumlah Pensioner
Employee Commercial
Treasury Funding
Others Total
Rp Juta Rp Juta
Rp Juta Rp Juta
Rp Juta Rp Juta
Rp Juta Rp Million
Rp Million Rp Million
Rp Million Rp Million
Rp Million Rp Million
Pendapatan bunga -
- 109,735
10,268 4,360
7,090 131,453
Interest revenues Beban bunga
- -
14 257
15,710 -
15,981 Interest expenses
Pendapatan bunga - bersih -
- 109,721
10,011.00 11,350.00
7,090.00 115,472
Interest revenues - net Aset
- -
4,590,018 788,350
- 401,080
5,779,448 Assets
Liabilitas -
- -
- 3,675,243
348,011 4,023,254
Liabilities 30 JuniJune 2014
NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014
Expressed in million Rupiah, unless otherwise stated Continued
- 97 - Rekonsiliasi antara pendapatan bunga bersih
disesuaikan dengan
laba sebelum
pajak penghasilan adalah sebagai berikut:
Are conciliation between net interest income with income before tax are as follows:
30 Juni 30 Juni
June 2015 June 2014
Rp Juta Rp Juta
Rp Million Rp Million
Pendapatan bunga - bersih 345,263
115,472 Interest revenues - net
Pendapatan operasional lainnya 107,890
88,822 Other operating revenues
Beban operasional lainnya 262,992
78,065 Other operating expenses
Beban non operasional - bersih 697
Non operating expenses - net Laba sebelum pajak penghasilan
189,464 126,229
Income before tax
Segmen geografis Geographical segment
Jawa Barat Jakarta
Lainnya Eliminasi
Jumlah West Java
Jakarta Others
Elimination Total
Rp Juta Rp Juta
Rp Juta Rp Juta
Rp Juta Rp Million
Rp Million Rp Million
Rp Million Rp Million
Penghasilan bunga - bersih 272,373
41,101 -
31,789 -
- 345,263
Interest revenues - net Pembentukan cadangan
Allowance for kerugian penurunan nilai
impairment losses on atas aset keuangan
8,291 11,530
- 1,346
- -
1,893 financial assets
Pendapatan operasional lainnya 430,087
216,922 -
114,293 -
653,412 107,890
Other operating income Beban tenaga kerja
80,057 13,183
- 16,483
- -
109,723 Personnel expense
General and administrative Beban umum dan administrasi
621,341 74,505
- 112,728
- 653,412
155,162 expenses
Laba operasional - bersih 7,229
181,865 15,525
- 190,161
Operating income - net Beban non operasional -
Non operating expenses - bersih
135,592 119,149
- 15,746
- -
697 net
Laba sebelum pajak 142,821
301,014 31,271
- 189,464
Income before tax Beban pajak
3,523 10,831
- -
- -
14,354 Tax expense
Laba bersih 146,344
290,183 31,271
- 175,110
Net income Jumlah aset
9,011,863 8,846,614
- 1,738,733
- 1,380,878
18,216,332 Total assets
Jumlah liabilitas 8,113,645
5,765,854 -
1,667,814 -
1,380,878 14,166,435
Total liabilities 30 JuniJune 2015
Jawa Barat Jakarta
Lainnya Eliminasi
Jumlah West Java
Jakarta Others
Elimination Total
Rp Juta Rp Juta
Rp Juta Rp Juta
Rp Juta Rp Million
Rp Million Rp Million
Rp Million Rp Million
Penghasilan bunga - bersih -
115,472 -
- -
- 115,472
Interest revenues - net Pembentukan cadangan
Allowance for kerugian penurunan nilai
impairment losses on atas aset keuangan
- 14,015
- -
- -
14,015 financial assets
Pendapatan operasional lainnya -
88,822 -
- -
- 88,822
Other operating income Beban tenaga kerja
- 12,017
- -
- -
12,017 Personnel expense
General and administrative Beban umum dan administrasi
- 52,033
- -
- -
52,033 expenses
Laba operasional - bersih -
126,229 -
- 126,229
Operating income - net Beban non operasional -
Non operating expenses - bersih
- -
- -
- -
- net
Laba sebelum pajak -
126,229 -
- 126,229
Income before tax Beban pajak
- 32,522
- -
- -
32,522 Tax expense
Laba bersih -
93,707 -
- 93,707
Net income Jumlah aset
- 5,779,447
- -
- -
5,779,447 Total assets
Jumlah liabilitas -
4,023,255 -
- -
- 4,023,255
Total liabilities 30 JuniJune 2014