utama sebagai berikut:
The Bank and Subsidiaries comprises of the following main business segments
- Wholesale banking: bagian dari jasa keuangan kepada korporasi dan institusi, termasuk aktivitas pinjaman, deposito, saldo serta transaksi lain dengan korporasi dan institusi, termasuk treasury.
- Wholesale banking: the provision of financial services to corporations and institutions, including lending, deposit taking activities and other transactions and balances with corporations and institutions, including treasury.
- Retail banking: bagian dari jasa keuangan kepada individu dan nasabah SME, termasuk aktivitas pinjaman, deposito, asuransi, syariah, fasilitas kartu kredit dan saldo serta transaksi lainnya.
- Retail banking: the provision of financial services to individuals and SME customers including lending, deposit taking activities, insurance, sharia, credit card facilities and other transactions and balances.
Informasi yang berkaitan dengan segmen usaha yang utama dari Bank dan Anak Perusahaan disajikan dalam tabel di bawah ini:
Information concerning the main business segments of the Bank and Subsidiaries is set out in the table below:
2008
Wholesale Retail Total
Hasil segmen Segment results
Pendapatan operasional 1,415,095 8,817,270 10,232,365 Operating income
Beban operasional (611,862) (4,873,884) (5,485,746) Operating expenses
Beban atas kredit (59,464) (1,016,079) (1,075,543) Cost of credit
Pendapatan dan beban bukan Non-operating income and
operasional 48,404 45,774 94,178 expenses
Laba sebelum pajak penghasilan, Income before tax, goodwill
goodwill dan hak minoritas atas and minority interest in net
laba bersih Anak Perusahaan 792,173 2,973,081 3,765,254 income of Subsidiaries
Beban pajak penghasilan (226,374) (849,599) (1,075,973) Income tax expenses
Laba setelah pajak penghasilan, Income after tax expenses,
sebelum goodwill dan hak before goodwill and minority
minoritas atas laba bersih interest in net income of
Anak Perusahaan 565,799 2,123,482 2,689,281 Subsidiaries
Goodwill dan hak minoritas atas Goodwill and minority interest
laba bersih Anak Perusahaan - (355,466) (355,466) in net income of Subsidiaries
Laba bersih sebelum beban kredit Net income before cost of
atas aset lain-lain tertentu credit on certain other assets
dan tagihan derivatif 565,799 1,768,016 2,333,815 derivative receivables
Cost of credit and unwinding
Beban kredit dan beban pembatalan cost (net) on certain other
(bersih) atas aset lain-lain assets and derivative
tertentu dan tagihan derivatif receivables (see Note 8),
(lihat Catatan 8), setelah pajak - - (803,793) net of tax
Laba bersih 565,799 1,768,016 1,530,022 Net income
Aset segmen 45,408,302 45,693,232 91,101,534 Segment assets
Kewajiban segmen 31,752,537 57,149,351 88,901,888 Segment liabilities
2007
Wholesale Retail Total
Hasil segmen Segment results
Pendapatan operasional 1,902,351 6,974,899 8,877,250 Operating income
Beban operasional (602,384) (3,652,169) (4,254,553) Operating expenses
Beban atas kredit (48,672) (1,191,152) (1,239,824) Cost of credit
Pendapatan dan beban bukan Non-operating income and
operasional (9,073) 23,209 14,136 expenses
Laba sebelum pajak penghasilan, Income before tax, goodwill
goodwill dan hak minoritas atas and minority interest in net
laba bersih Anak Perusahaan 1,242,222 2,154,787 3,397,009 income of Subsidiaries
Beban pajak penghasilan (381,606) (661,943) (1,043,549) Income tax expenses
Laba setelah pajak penghasilan, Income after tax expenses,
sebelum goodwill dan hak before goodwill and minority
minoritas atas laba bersih interest in net income of
Anak Perusahaan 860,616 1,492,844 2,353,460 Subsidiaries
Goodwill dan hak minoritas atas Goodwill and minority interest
2006
Wholesale Retail Total
Hasil segmen Segment results
Pendapatan operasional 1,821,147 5,162,908 6,984,055 Operating income
Beban operasional (493,225) (2,931,605) (3,424,830) Operating expenses
Beban atas kredit (96,920) (1,217,999) (1,314,919) Cost of credit
Pendapatan dan beban bukan Non-operating income and
operasional (42,902) (21,658) (64,560) expense
Laba sebelum pajak penghasilan, Income before tax, goodwill
goodwill dan hak minoritas atas and minority interest in net
laba bersih Anak Perusahaan 1,188,100 991,646 2,179,746 income of Subsidiaries
Beban pajak penghasilan (355,560) (296,768) (652,328) Income tax expenses
Laba setelah pajak penghasilan, Income after tax expenses,
sebelum goodwill dan hak before goodwill and minority
minoritas atas laba bersih interest in net income of
Anak Perusahaan 832,540 694,878 1,527,418 Subsidiaries
Goodwill dan hak minoritas atas Goodwill and minority interest
laba bersih Anak Perusahaan - (202,086) (202,086) in net income of Subsidiaries
Laba bersih 832,540 492,792 1,325,332 Net income
Aset segmen 44,339,338 29,016,197 73,355,535 Segment assets
Kewajiban segmen 25,335,850 43,435,685 68,771,535 Segment liabilities
45. RISIKO KREDIT 45. CREDIT RISK
Fungsi Manajemen Risiko Kredit telah di bangun sesuai dengan praktek yang berlaku secara internasional, meliputi seluruh bisnis dan aktivitas dalam Bank.
Credit Risk Management function has been
established based on internationally accepted best practices covering all businesses and activities in the Bank.
Risiko kredit dikelola melalui penetapan kebijakan - kebijakan dan proses-proses meliputi criteria credit acceptance, origination dan persetujuan kredit, penetapan harga, pemantauan, pengelolaan kredit bermasalah dan manajemen portofolio. Bank juga dengan teliti memantau perkembangan portofolio kredit Bank termasuk Anak Perusahaan yang memungkinkan untuk inisiasi tindakan pencegahan tepat waktu apabila terjadi pemburukan kualitas kredit.
Credit risk is managed through established policies and processes covering credit acceptance criteria, origination and approval, pricing, monitoring, problem loan management and portfolio management. The Bank also closely monitors the development of its loan portfolios including Subsidiaries enabling it to initiate preventive action in a timely manner, in case of deterioration in credit quality.
Kebijakan kredit termasuk batas wewenang pemberian kredit telah ditetapkan dan di sosialisasikan pada Bank secara menyeluruh. Produk program telah dibuat untuk tiap bisnis berdasarkan kebijakan kredit yang telah ditetapkan.
Credit policy including credit authority limits has been established and socialized throughout the Bank. Product programs have been developed for each business based on the established credit policy.
Sistem-sistem Informasi Manajemen telah tersedia dan mencakup tingkat yang cukup rinci untuk mendeteksi setiap perkembangan yang kurang baik pada tahap awal, mempertimbangkan pengukuran tepat waktu yang akan diambil setiap kemungkinan pemburukan
Management Information Systems (MIS) are in place and cover a sufficient level of detail to detect any adverse development at an early stage, allowing for timely measures to be taken to counteract any possible deterioration of credit quality or to minimize
Bank secara aktif terlibat dalam persiapan penerapan Basel II sesuai dengan panduan dari Bank Sentral.
The Bank is actively involved in the preparation of Basel II implementation in accordance with the Central Bank guidelines.
Bank telah mengembangkan sistem credit risk rating
untuk bisnis korporasi dan komersial dalam rangka meningkatkan manajemen portofolio. Usaha ini telah dilakukan melalui konsultasi dengan Moody’s KMV dan menghasilkan Probability of Default untuk tiap fasilitas. Saat ini sedang dalam proses untuk mengintegrasi sistem ke dalam proses kredit.
The Bank has developed a credit risk rating system for its corporate and commercial business in order to enhance portfolio management. The work on this was done in consultation with Moody’s KMV and indicates Probability of Defaults (PD) for each facility. Currently work is in progress to integrate the system into the credit process.
46. RISIKO MATA UANG ASING 46. FOREIGN CURRENCY RISK