0.43 To be good corporate citizen that cares for its people and environment.

MANAGeMeNt DISCUSSIoN AND ANALySIS Tinjauan Segmen Usaha Segmen usaha adalah sekelompok aset dan operasi yang menyediakan barang atau jasa yang memiliki risiko serta tingkat pengembalian yang berbeda dengan segmen usaha lainnya. Dalam menjalankan kegiatan usaha, Bank Artha Graha membagi segmen usaha berdasarkan peraturan kebijakan akuntansi menjadi segmen operasi dan segmen geograis. Segmen operasi dilaporkan sesuai dengan laporan internal yang disiapkan untuk pengambil keputusan operasional yang bertanggung jawab untuk mengalokasikan sumber daya ke segmen tertentu dan melakukan penilaian atas performanya. Seluruh segmen operasi yang digunakan oleh Bank telah memenuhi kriteria pelaporan berdasarkan pSAK 5 Revisi 2009. Bank Artha Graha Internasional memiliki 4 empat segmen operasi yaitu: 1 produktif - termasuk pinjaman yang diberikan kepada sektor produktif, di antaranya, kredit modal kerja dan investasi. 2 Konsumtif - termasuk pinjaman yang diberikanuntuk keperluan konsumtif. 3 3 treasuri - segmen ini terkait dengan kegiatan treasuri Bank termasuk transaksi money market dan investasi dalam bentuk penempatan dan surat berharga. 4 Lain-lain - termasuk aktivitas back oice dan divisi yang tidak menghasilkan laba. Berdasarkan segmen geograis, Bank Artha Graha Internasional beroperasi di dua wilayah geograis utama yaitu Daerah Khusus Ibukota Jakarta DKI Jakarta dan di luar DKI Jakarta. penjelasan dan Kinerja Segmen operasi Segmen penyaluran Dana Bank Artha Graha Internasional menjalankan usahanya melalui kegiatan penyaluran dana segmentasi usaha yaitu segmen produktif, konsumtif, treasuri, dan kredit lainnya. produk penyaluran dana merupakan penyaluran kredit kepada pihak ketiga secara perorangan maupun korporasi. produk penyaluran dana Bank Artha Graha Internasional dikelompokkan berdasarkan tujuan penggunaan kredit yaitu produktif, konsumtif, treasuri, dan fasilitas kredit lain. Kredit produktif diberikan melalui revolving loan, ixed loan, pinjaman rekening koran, kredit wirausaha, dan kredit usaha tani tanaman pangan. Kredit konsumer terdiri dari kredit pemilikan rumah, kredit pemilikan mobil, dan kredit pemilikan apartemen. treasuri terdiri dari pemberian fasilitas forex, trade, dan remittance dan fasilitas kredit lain yang mencakup money market line, letter Business Segment outlook the business segment is a group of assets and operations that provide goods or services that have risks and diferent levels of returns compared to other business segments. In carrying out their business, Bank Artha Graha Internasional divides business segments into operations segment and geographic segment. the operations segment is reported based on the internal report prepared for making operational decision making and is responsible for allocating resources to certain resources and carrying out assessment on the performance. All operations segment used by the Bank have complied with reporting criteria pSAK 5 2009 Revision. Bank Artha Graha Internasional has 4 four operation segments, namely: 1 productive – including loans given to the productive sector, among others, working capital and investment loans 2 Consumptive – including loans given for consumptive purposes 3 treasury – this segment is related with the Bank’s treasury transactions, including money market and investment in the form of placement and securities 4 Others – including back oice activity and divisions not generating proit Based on the geographic segment, Bank Artha Graha Internasional operates in two main geographical regions, namely the Jakarta Capital this is due to a higher percentage increase in industry’s assets than that of the bank’s assets City DKI Jakarta and outside of DKI Jakarta. Description and performance of the operations Segment Fund Distribution Segment Bank Artha Graha Internasional carries out its fund distribution activities business segmentations, namely productive, consumptive, treasury and other credit. the fund distribution products are credit disbursed to third parties whether individual or corporates. the Bank Artha Graha Internasional fund distribution is categorized based on the purpose of the usage of loans, namely productive, consumptive, treasury and other credit facilities. productive loan is provided through revolving loan, ixed loan, current account loan, entrepreneur loan, and food crop agricultural business loan. Consumer loans include house ownership loan, automobile ownership loan, and apartment ownership loan. Credit facilities include money market line, letter of credit, trust receipt, and bank guarantee. Furthermore, 144 BANK ARTHA GRAHA INTERNASIONAL Laporan tahunan 2016