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