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CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2012, 2011 DAN 2010
Dalam jutaan Rupiah, kecuali dinyatakan lain
NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2012, 2011 AND 2010
Expressed in million Rupiah, unless otherwise stated
Lampiran – 5101 – Schedule 45. SEGMEN OPERASI lanjutan
45. OPERATING SEGMENTS continued
2010 Produktif
Konsumtif Tresuri
Lain-lain Jumlah
Productive Consumer
Treasury Others
Total
Pendapatan bunga 58,685
365,531 19,932
- 444,148
Interest income Aset
579,842 1,975,940
538,865 151,115
3,245,762 Assets
2010 Deposito
Giro Tabungan
berjangka Demand
Savings Lain-lain
Jumlah Time deposits
deposits deposits
Others Total
Beban bunga 167,863
5,800 6,955
598 181,216
Interest expense Liabilitas
2,264,264 260,480
278,942 48,502
2,852,188 Liabilities
Segmen geografis Geographical segment
2012
Jawa Barat Jakarta
Lainnya Eliminasi
Jumlah West Java
Jakarta Others
Elimination Total
Penghasilan bunga-bersih 362,156
13,894 56,370
- 432,420
Net interest income Pembentukan cadangan
Allowance for kerugian penurunan nilai
impairment losses on atas aset keuangan dan
financial and non- non keuangan
23,986 11,768
4,515 -
40,269 financial assets
Pendapatan operasional lainnya 294,077
110,986 49,610
403,870 50,803
Other operating income Beban tenaga kerja
100,841 13,802
16,046 -
130,689 Personnel expense
General and administrative
Beban umum dan administrasi 439,505
62,036 56,758
403,870 154,429
expenses Laba operasional bersih
91,901 37,274
28,661 -
157,836 Net operating income
Pendapatan dan beban Income and expenses
bukan operasional 87,748
72,564 17,754
- 2,570
from non operations Income before
Laba sebelum pajak penghasilan 4,153
109,838 46,415
- 160,406
income tax Beban pajak penghasilan
41,534 -
- -
41,534 Income tax expense
Laba bersih 37,381
109,838 46,415
- 118,872
Net income Jumlah aset
5,056,619 2,834,573
1,334,079 1,598,060
7,627,211 Total assets
Jumlah liabilitas 6,182,398
1,603,545 901,390
1,598,060 7,089,273
Total liabilities
2011 Jawa Barat
Jakarta Lainnya
Eliminasi Jumlah
West Java Jakarta
Others Elimination
Total
Penghasilan bunga-bersih 247,190
50,230 22,819
- 320,239
Net interest income Pembentukan cadangan
Allowance for kerugian penurunan nilai
impairment losses on atas aset keuangan dan
financial and non- non keuangan
2,206 225
2,651 -
4,632 financial assets
Pendapatan operasional lainnya 207,525
64,460 29,330
269,087 32,228 Other operating income
Beban tenaga kerja 74,904
12,548 6,866
- 94,318
Personnel expense General and
administrative Beban umum dan administrasi
320,978 57,460
30,093 269,087
139,444 expenses
Laba operasional bersih 61.039
44,457 17,841
- 123,337
Net operating income Pendapatan dan beban
Income and expenses bukan operasional
55,357 34,526
19,301 -
1,530 from non operations Income before
Laba sebelum pajak penghasilan 5,682
78,983 37,142
- 121,807
income tax Beban pajak penghasilan
31,764 -
- -
31,764 Income tax expense
Laba bersih 26,082
78,983 37,142
- 90,043
Net income Jumlah aset
3,360,751 1,771,921
771,456 818,366
5,085,762 Total assets
Jumlah liabilitas 3,768,726
1,144,500 517,728
818,366 4,612,588
Total liabilities
NO P Q
R S TUV
NWR Q R
X QW
Y Q Z
Q [
\ ] O
PS
CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2012, 2011 DAN 2010
Dalam jutaan Rupiah, kecuali dinyatakan lain
NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2012, 2011 AND 2010
Expressed in million Rupiah, unless otherwise stated
Lampiran – 5102 – Schedule 45. SEGMEN OPERASI lanjutan
45. OPERATING SEGMENTS continued Segmen geografis
Geographical segment
2010 Jawa Barat
Jakarta Lainnya
Eliminasi Jumlah
West Java Jakarta
Others Elimination
Total
Penghasilan bunga-bersih 171,795
46,654 44,483
- 262,932
Net interest income Pembentukan cadangan
Allowance for kerugian penurunan nilai
impairment losses on atas aset keuangan dan
financial and non- non keuangan
11,120 9,231
2,269 -
22,620 financial assets
Pendapatan operasional lainnya 16,314
3,910 1,000
- 21,224 Other operating income
Beban tenaga kerja 52,721
9,615 9,675
- 72,011
Personnel expense General and
administrative Beban umum dan administrasi
71,719 20,747
13,150 -
105,616 expenses
Laba operasional bersih 52,549
10,971 20,389
- 83,909
Net operating income Pendapatan dan beban
Income and expenses bukan operasional
2,293 158
170 -
2,305 from non operations Income before
Laba sebelum pajak penghasilan 50,256
11,129 20,219
- 81,604
income tax Beban pajak penghasilan
21,663 -
- -
21,663 Income tax expense
Laba bersih 28,593
11,129 20,219
- 59,941
Net income Jumlah aset
2,056,289 1,270,969
390,770 472,266
3,245,762 Total assets
Jumlah liabilitas 1,697,849
1,239,114 387,491
472,266 2,852,188
Total liabilities
46. MANAJEMEN RISIKO 46. RISK MANAGEMENT
Dalam menjalankan fungsinya sebagai lembaga intermediasi
keuangan, Bank
senantiasa dihadapkan pada berbagai risiko finansial maupun
risiko non-finansial. Perkembangan bisnis yang pesat pada lingkungan eksternal dan internal
perbankan juga menyebabkan risiko kegiatan gusaha bank semakin kompleks sehingga Bank
harus mampu menerapkan manajemen risiko yang baik agar mampu beradaptasi dalam lingkungan
bisnis perbankan. Oleh karena itu, prinsip-prinsip manajemen risiko yang diterapkan akan sangat
mendukung Bank untuk dapat beroperasi secara lebih berhati-hati. Prinsip-prinsip manajemen
risiko tersebut pada dasarnya telah menjadi standar bagi dunia perbankan yang penerapannya
diarahkan oleh Bank Indonesia melalui Peraturan Bank Indonesia No. 58PBI2003 tanggal 19 Mei
2003 yang diubah dengan Peraturan Bank Indonesia No. 1125PBI2009 tanggal 1 Juli 2009
tentang Penerapan Manajemen Risiko bagi Bank Umum serta Surat Edaran Bank Indonesia No.
521DPNP tanggal 29 September 2003 perihal Penerapan Manajemen Risiko bagi Bank Umum.
In conducting its function as a financial intermediary institution, the Bank always faces financial and non-
financial risks. The rapid development in banking business externally and internally have resulted in a
more complex risk for banks which forces the Bank implement a proper risk management to adapt with
the banking business. Therefore, the risk management principle implemented will highly
support the Bank to operate in a prudent manner. The risk management principles have become a
standard for banking industry which implementation is regulated by Bank Indonesia through BI regulation
No. 58PBI2003 dated 19 May 2003 amended by BI regulation No. 1125PBI2009 dated 1 July 2009
concerning “Application of Risk Management for Commercial Bank” and BI Circular Letter No.
521DPNP dated 29 September 2003 concerning the implementation of “Risk Management for
Commercial Bank”.