Analisa Terhadap Komponen Pendapatan dan Beban

Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 158 Penurunan jumlah tersebut dengan jumlah yang cukup besar terjadi pada pendapatan selisih kurs. Jumlah pendapatan selisih kurs per 31 Desember 2016 sebesar Rp. 0,- mengalami penurunan sebesar Rp. 21.932.,- juta atau menurun sebesar 100,00 dari jumlah pendapatan selisih kurs per 31 Desember 2015 sebesar Rp. 21.932,- juta. Bila dibandingkan dengan Rencana Bisnis Bank Tahun 2016, realisasi jumlah pendapatan non-operasional per 31 Desember 2016 sebesar Rp. 1.603,- juta menunjukan adanya deviasi sebesar Rp. 48.766,- juta atau sebesar 96,82 di bawah target dari jumlah yang diproyeksikan sebesar Rp. 50.369,- juta. 2. Beban Rincian beban operasional dan beban non operasional per 31 Desember 2016 dan 2015 adalah sebagai berikut: Daftar Rincian Beban Per 31 Desember 2016 dan 2015 Uraian 2016 Jutaan Rupiah 2015 Jutaan Rupiah Kenaikan Penurunan Rp Rp Beban Bunga dan | Interest Expense and Beban Syariah | Sharia Expenses 643,593 74.20 1,032,307 122.28 388,714 37.65 Beban Cadangan Kerugian Penurunan Nilai Aset | Expenses of Allowance for Impairment Losses Asset 197,475 22.77 573,618 67.95 376,144 65.57 Beban Operasional Lainnya | Other Operating Expenses 867,383 100.00 844,191 100.00 23,192 2.75 Beban Non-Operasional | Non-Operating Expenses 4,965 0.57 232 0.03 4,733 2,043.20 Jumlah Beban | Total Expenses 1,713,416 197.54 2,450,348 290.26 736,931 30.07 The decline in the number with considerable amount occurred in foreign exchange earnings. The amount of revenue in foreign exchange by December 31, 2016 amounted to IDR 0, decreased by IDR 21,932 million or a decrease of 100.00 of the amount of foreign exchange revenue by December 31, 2015 which amounted to IDR 21,932 million. When compared with the Bank’s Business Plan for 2016, the actual number of non-operating income by December 31, 2016 amounted to IDR 1,603 million, showed a deviation of IDR 48,766 million or 96.82 below the target of the projected amount by IDR 50,369 million. 2. Expenses Details of operating expenses and non-operating expenses by December 31, 2016 and 2015 are as follows: Detail List of Non-Operating Income per December 31, 2016 and 2015 Jumlah beban Bank per 31 Desember 2016 sebesar Rp. 1.713.416,- juta lebih rendah sebesar Rp. 736.931,- juta atau menurun sebesar 30,07 dari jumlah beban Bank per 31 Desember 2015 sebesar Rp. 2.450.348,- juta. a. Beban Operasional Beban operasional Bank terdiri dari beban bunga dan beban syariah, beban cadangan kerugian penurunan nilai aset, dan beban operasional lainnya dengan rincian sebagai berikut: Total expenses of the Bank by December 31, 2016 amounted to IDR 1,713,416 million, lower by IDR 736,931 million or decreased by 30.07 of the Bank total expenses by December 31, 2015 by IDR 2,450,348 million. a. Operating Expenses Bank’s operating expenses consist of interest expense and sharia expenses, reserve for impairment losses expenses, and other operating expenses as follows: