operational Risks AR 2015 Bank Victoria Final

47 2 PT Bank V ict oria Int erna tional T bk. Tabel 2.2.b. Pengungkapan Tagihan Bersih Berdasarkan sisa Jangka Waktu Kontrak - Bank secara Konsolidasi dengan Perusahaan anak Table 2.2.b. net Receivables by Remaining Contract Period - Bank, Consolidated with subsidiaries dalam Juta Rp in million Rp no Kategori Portofolio 31 Desember 2015 December 31, 2015 31 Desember 2014 December 31, 2014 Portfolio Category Tagihan bersih berdasarkan sisa jangka waktu kontrak net Receivables by Remaining Contract Period Tagihan bersih berdasarkan sisa jangka waktu kontrak net Receivables by Remaining Contract Period 1 tahun 1 year 1 thn s.d. 3 thn 1 to 3 years 3 thn s.d. 5 thn 3 to 5 years 5 thn 5 years non- Kontraktual non- Contractual Total Total 1 tahun 1 year 1 thn s.d. 3 thn 1 to 3 years 3 thn s.d. 5 thn 3 to 5 years 5 thn 5 years non- Kontraktual non- Contractual Total Total 1 2 3 4 5 6 7 8 9 10 11 12 13 14 2 1 Tagihan Kepada Pemerintah 2,258,363 644,471 32,190 1,694,748 - 4,629,772 3,810,627 60,053 38,937 480,188 - 4,389,805 Receivables from Government 2 Tagihan Kepada Entitas Sektor Pubik 31,705 14,910 4,746 66,319 - 117,680 220,454 31,787 4,765 67,273 - 324,279 Receivables from Public Sector Entities 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional - - - - - - - - - - - - Receivables from Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank 2,087,058 87,481 28,699 8,595 - 2,211,833 1,835,176 207,422 22,604 9,481 - 2,074,684 Receivables from Banks 5 Kredit Beragun Rumah Tinggal 198,691 67,540 67,728 421,496 - 755,456 3,289 119,480 277,725 433,900 - 834,394 Residential Property Collateralized Loans 6 Kredit Beragun Properti Komersial 1,626,914 540,607 575,349 270,464 - 3,013,333 1,133,729 261,337 412,179 456,393 - 2,263,637 Commercial Property Collateralized Loans 7 Kredit Pegawai Pensiunan - - - - - - - - - - - - Employee Retirement Loans 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 1,055,758 95,463 247,680 321,061 - 1,719,962 1,033,212 86,915 280,533 309,021 - 1,709,681 Receivables from Microbusiness, Small Business, and Retail Portfolio 9 Tagihan kepada Korporasi 4,839,543 2,121,923 1,400,877 203,062 - 8,565,405 5,021,158 1,448,086 1,798,161 698,427 - 8,965,832 Receivables from Corporations 10 Tagihan yang Telah Jatuh Tempo 486,777 50,978 71,032 47,218 - 656,005 130,922 45,049 180,463 54,330 - 410,764 Due Receivables 11 Aset Lainnya 925,480 - - - - 925,480 347,230 3,721 - - - 350,951 Other Assets 12 Eksposur di Unit Usaha Syariah apabila ada - - - - - - - - - - - - Exposure in Sharia Business Unit if any ToTaL 13,510,289 3,623,373 2,428,301 3,032,963 - 22,594,927 13,535,798 2,263,850 3,015,368 2,509,013 - 21,324,028 ToTaL Lapor an T ahunan 20 15 Annual R eport 47 3 Tabel 2.3.a. Pengungkapan Tagihan Bersih Berdasarkan sektor ekonomi – Bank secara individual Table 2.3.a. net Receivables by economic sector - Bank, individually dalam Juta Rp in million Rp 31 Desember 2015 December 31, 2015 no. seKToR eKonoMi Tagihan Kepada Pemerintah Receivables from Government Tagihan Kepada entitas sektor Publik Receivables from Public sector entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga internasional Receivables from Multilateral Development Banks and international institutions Tagihan Kepada Bank Receivables from Banks Kredit Beragun Rumah Tinggal Residential Property Collateralized Loans Kredit Beragun Properti Komersial Commercial Property Collateralized Loans Kredit Pegawai Pensiun employee Retirement Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Receivables from Microbusiness, small Business, and Retail Portfolio Tagihan kepada Korporasi Receivables from Corporations Tagihan yang Telah Jatuh Tempo Due Receivables aset Lainnya otherassets eksposur di Unit Usaha syariah apabila ada Exposure in sharia Business Unit if any economi sector 1 2 3 4 5 6 7 8 9 10 11 12 13 14 2 1 Pertanian, perburuan dan Kehutanan - - - - - - - 55,196 3,763 12,000 - - Agriculture, hunting and forestry 2 Perikanan - - - - - - - - 209,174 17,302 - - Fishery 3 Pertambangan dan Penggalian - 43,192 - - - - - 57,759 194,326 45,020 - - Mining and excavation 4 Industri pengolahan - - - - - 18,030 - 422,338 1,263,545 143,585 - - Processing industry 5 Listrik, Gas dan Air - - - - - - - 2,262 - - - - Power, gas and water 6 Konstruksi - - - - - 922,072 - 6,717 275,248 25,258 - - Construction 7 Perdagangan besar dan eceran - - - - - - - 524,549 475,516 33,293 - - Wholesale and retail trading 8 Penyediaan akomodasi dan penyediaan makan minum - - - - - 30,348 - 154,342 988,107 18,409 - - Provision of accomodation and foods beverages 9 Transportasi, pergudangan dan komunikasi - 27,874 - - - - - 45,382 197,409 96,261 - - Transportation, warehousing and communications 10 Perantara keuangan 2,907,735 46,615 - 2,215,685 - - - 39,621 3,692,635 - - - FInancial agency 11 Real estate, usaha persewaan dan jasa perusahaan - - - - - 2,042,175 - 85,676 325,049 40,970 - - Real estate, leasing and corporate services 12 Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib - - - - - - - - - - - - Government administration, land business and mandatory social service 13 Jasa pendidikan - - - - - - - 35,361 102,474 3,386 - - Educational services 14 Jasa kesehatan dan kegiatan sosial - - - - - - - 20,787 - 1,700 - - Health and social services 15 Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya - - - - - 709 - 107,004 192,090 9,351 - - Societal, sociocultural, entertainment and other individual services 16 Jasa perorangan yang melayani rumah tangga - - - - - - - 4,339 - - - - Individual household- related services 17 Badan internasional dan badan ekstra internasional lainnya - - - - - - - - - - - - International and other extrainternational agencies 18 Kegiatan yang belum jelas batasannya 1,471,227 - - - - - - - - - - - Non-deined activities 19 Bukan Lapangan Usaha - - - - 526,704 - - 140,326 384 31,690 - - Non-business 20 Lainnya - - - - - - - - - - 886,138 - Others ToTaL 4,378,962 117,680 - 2,215,685 526,704 3,013,333 - 1,701,661 7,919,719 478,225 886,138 - ToTaL 4 74 PT Bank V ict oria Int erna tional T bk. dalam Juta Rp in million Rp 31 Desember 2014 December 31, 2014 no. seKToR eKonoMi Tagihan Kepada Pemerintah Receivables from Government Tagihan Kepada entitas sektor Publik Receivables from Public sector entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga internasional Receivables from Multilateral Development Banks and international institutions Tagihan Kepada Bank Receivables from Banks Kredit Beragun Rumah Tinggal Residential Property Collateralized Loans Kredit Beragun Properti Komersial Commercial Property Collateralized Loans Kredit Pegawai Pensiun employee Retirement Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Receivables from Microbusiness, small Business, and Retail Portfolio Tagihan kepada Korporasi Receivables from Corporations Tagihan yang Telah Jatuh Tempo Due Receivables aset Lainnya other assets eksposur di Unit Usaha syariah apabila ada Exposure in sharia Business Unit if any economi sector 1 2 3 4 5 6 7 8 9 10 11 12 13 14 2 1 Pertanian, perburuan dan Kehutanan - 101,779 - - - - - 60,859 143,046 4,007 - - Agriculture, hunting and forestry 2 Perikanan - - - - - - - 17,591 169,682 17,654 - - Fishery 3 Pertambangan dan Penggalian - 43,933 - - - - - 84,601 505,903 14,225 - - Mining and excavation 4 Industri pengolahan - - - - - 19,033 - 405,729 1,181,775 97,103 - - Processing industry 5 Listrik, Gas dan Air - - - - - - - 1,856 - - - - Power, gas and water 6 Konstruksi - - - - - 1,003,705 - - 115,639 15,216 - - Construction 7 Perdagangan besar dan eceran - - - - - 3,424 - 498,899 704,621 66,811 - - Wholesale and retail trading 8 Penyediaan akomodasi dan penyediaan makan minum - - - - - 76,013 - 135,782 825,588 18,219 - - Provision of accomodation and foods beverages 9 Transportasi, pergudangan dan komunikasi - 28,105 - - - - - 63,690 330,408 26,956 - - Transportation, warehousing and communications 10 Perantara keuangan 3,672,600 150,461 - 2,117,956 - - - 44,470 3,836,784 - - - FInancial agency 11 Real estate, usaha persewaan dan jasa perusahaan - - - - - 1,137,958 - 89,861 352,510 8,361 - - Real estate, leasing and corporate services 12 Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib - - - - - - - - - - - - Government administration, land business and mandatory social service 13 Jasa pendidikan - - - - - - - 12,827 124,618 - - - Educational services 14 Jasa kesehatan dan kegiatan sosial - - - - - - - 19,320 - - - - Health and social services 15 Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya - - - - - 13,686 - 124,228 50,130 1,282 - - Societal, sociocultural, entertainment and other individual services 16 Jasa perorangan yang melayani rumah tangga - - - - - - - 2,191 - - - - Individual household- related services 17 Badan internasional dan badan ekstra internasional lainnya - - - - - - - - - - - - International and other extrainternational agencies 18 Kegiatan yang belum jelas batasannya 434,759 - - - - - - - - - - - Non-deined activities 19 Bukan Lapangan Usaha - - - - 515,316 - - 115,284 2,810 26,341 - - Non-business 20 Lainnya - - - - - - - - - - 347,230 - Others ToTaL 4,107,359 324,279 - 2,117,956 515,316 2,253,820 - 1,677,187 8,343,514 296,175 347,230 - ToTaL