These consolidated financial statements are originally issued in Bahasa.
PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
As of December 31, 2015 and for the year then ended Expressed in millions of Rupiah, unless otherwise stated
193
56. SEGMENT INFORMATION
The Group reports operating segments in a manner consistent with the internal reporting provided for operational decision making refer to Note 2ak.
The following describes the operations in each reportable segments as of December 31, 2015: •
Corporate :
including loans, customer deposits and other transactions belonging to corporate customers, including state-owned, private
enterprises and government entity. •
Commercial :
including loans to medium scale, customer deposits and other transactions belonging to commercial customers.
• Micro dan Business
: including loans granted to business entities or individuals with
micro-scale to small, products and other services such as deposits, payment transactions and other transactions belonging
to micro and small customers.
• ConsumerIndividual
: consumer finance loans, including mortgage loans, credit cards
and other products and services such as deposits, payment transactions and other transactions belonging to individual
customers, including priority customers.
• Treasury Markets
: treasury segment associated with treasury activities of the Bank
include foreign exchange, money market and fixed income. Segments of business markets, including, among others,
international banking, capital markets and supervision of the Foreign Office.
• Head Office
: mainly manages the assets and liabilities of the Group other
than those managed by other operating segments including accepting the cost allocation for the provision of the service by
centralizing services to other segments as well as incomecosts that are not allocated to other segments reporting.
• Subsidiary - Sharia
: including all transactions conducted by subsidiary engaged in
sharia banking. •
Subsidiaries - Insurance :
including all transactions conducted by subsidiaries engaged in life insurance, health insurance and general insurance.
• Subsidiary - other than
sharia and insurance :
including all transactions subsidiaries engaged in consumer finance, remittance services, securities and banking.
These consolidated financial statements are originally issued in Bahasa.
PT BANK MANDIRI PERSERO Tbk. AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
As of December 31, 2015 and for the year then ended Expressed in millions of Rupiah, unless otherwise stated
194
56. SEGMENT INFORMATION continued
The following describes the operation in each of reportable segments as of December 31, 2014: •
Corporate :
includes loans, deposits and other transactions by corporate customers.
• Commercial and Business
: includes loans, deposits and other transactions by commercial
and business banking customers small to medium size. •
Micro and Retail :
focuses on products and services for individual customers in micro and retail segments. It includes loans, deposits, payment
transactions and other transactions by retail customers. •
Consumer :
represents consumer financing business including housing loan, credit cards and other transactions by consumer customers.
• Treasury, Financial
Institution and Special Assets Management SAM
: treasury undertakes treasury activities which include foreign
exchange, money market, and fixed income business. Financial institution undertakes international business banking, capital
market and Cayman islands branch. SAM activities include non performing loan and abandoned properties management.
• Institutional Banking
: focuses on handling deposits and other transactions with
government related entities, which are not undertaken by other segments.
• Head Office
: mainly manages Group’s assets and liabilities that are not
managed by other segments, act as cost centre for providing central shared services to other segments and absorb costs that
are not allocated to other segments.
• Subsidiary - Sharia
: includes all transactions undertaken by a Subsidiary engaged in
sharia banking. •
Subsidiaries - Insurance :
includes all transactions undertaken by a Subsidiary engaged in life and general insurance.
• Subsidiary - other than
Sharia and insurance :
includes all transactions undertaken by Subsidiaries engaged in consumer financing, remittances, securities and banking.
