Bonds II BII Finance Year 2013 with Fixed Interest Rates
48. INFORMASI SEGMEN USAHA SEGMENT INFORMATION
Berikut adalah informasi keuangan tertentu untuk Bank dan entitas anak:
The following sets forth certain financial information for the Bank and subsidiaries:
a. Bidang usaha a. Business activities
Nama Perusahaan/Company Bidang Usaha/Business Activities Bank/The Bank Perbankan konvensional dan perbankan
Syariah/Conventional banking and banking activities based on Sharia principles
PT BII Finance Center Usaha pembiayaan/Multi-financing
PT Wahana Ottomitra Multiartha Tbk Usaha pembiayaan/Multi-financing
b. Segmen usaha b. Business segment
Segmen operasi Operating segment
Segmen operasi dilaporkan sesuai dengan laporan internal Bank yang disiapkan untuk mengambil keputusan operasional yang bertanggung jawab untuk mengalokasikan sumber daya ke segmen tertentu dan penilaian atas performanya.
“Operating Segments”. Operating segments are reported in accordance with the internal reporting provided to the chief operating decision maker which is responsible for allocating resources to certain segments and performance assessments.
Untuk kepentingan manajemen, Bank diorganisasikan kedalam empat segmen operasi berdasarkan produk dan jasa sebagai berikut:
For management purposes, the Bank is organized into four operating segments based on products and services as follows:
- Segmen Wholesale
- Segmen Usaha Kecil Menengah (UKM) - Segmen Konsumen
- Segmen Lain-lain
- Wholesale segment
- Small Medium Enterprise (SME) segment - Consumer segment
- Other segment
kecuali dinyatakan lain) unless otherwise stated)
48. INFORMASI SEGMEN USAHA (lanjutan) 48. SEGMENT INFORMATION (continued) b. Segmen usaha (lanjutan) b. Business segment (continued)
Segmen operasi (lanjutan) Operating segment (continued)
Tidak ada pendapatan dari satu konsumen eksternal atau pihak lain yang mencapai 10%
atau lebih dari total pendapatan Bank untuk periode/tahun yang berakhir pada tanggal-tanggal 30 Juni 2013 dan 31 Desember 2012.
No revenue from transactions with a single external customer or counterparty amounted to 10% or more of the Bank‟s total revenue for the period/year ended June 30, 2013 and December 31, 2012.
Untuk periode/tahun yang berakhir pada tanggal 30 Juni 2013 dan 31 Desember 2012, Bank dan entitas anak membagi segmen berdasarkan unit bisnis.
For the period/year ended June 30, 2013 and December 31, 2012, the Bank and subsidiaries divided the segment based on business unit.
Berikut ini adalah informasi segmen Bank dan entitas anak berdasarkan segmen operasi:
Following is the business segment information of the Bank and subsidiaries, which are based on operating segment:
30 Juni/June 30, 2013 (Tidak Diaudit/Unaudited)
Usaha Kecil Menengah &
Komersial (UKM &
Komersial)/
Small Medium
Enterprise & Setelah
Commercial eliminasi/
Wholesale/ (SME & Konsumen/ Jumlah/ Eliminasi/ After Wholesale1) Commercial) 2) Consumer3) Total Elimination elimination
LAPORAN LABA RUGI INCOME STATEMENTS
Pendapatan bunga - bersih 931.230 1.010.188 850.952 2.792.370 17.919 2.810.289 Net interest income
Pendapatan/(beban) bunga Inter-segment interest
antar segmen (138.791) (239.582) 378.373 - - - income/(expenses)
Net interest income
Pendapatan bunga after inter-segment
setelah bunga antar interest income/
segmen - bersih 792.439 770.606 1.229.325 2.792.370 17.919 2.810.289 (expenses)
Pendapatan operasional - kotor 430.120 75.311 653.892 1.159.323 (130.399) 1.028.924 Operating income - gross
Beban operasi 248.778 134.801 1.166.264 1.549.843 - 1.549.843 Operating expenses
Pendapatan operasional
sebelum penyisihan Net operating income
kerugian penurunan before allowance for
nilai - bersih 973.781 711.116 716.953 2.401.850 (112.480) 2.289.370 impairment losses
Pendapatan operasional – bersih 997.627 676.080 403.885 2.077.592 (112.480) 1.965.112 Net operating income
Pendapatan non operasional 2.912 4.701 845 8.458 - 8.458 Non-operating profit
Laba sebelum alokasi Profit before allocation
beban tidak langsung 1.000.539 680.781 404.730 2.086.050 (112.480) 1.973.570 indirect costs
Beban tidak langsung 1.007.166 Indirect costs
Laba sebelum beban pajak 966.404 Income before tax expense
Beban pajak 276.337 Tax expenses
Laba periode berjalan 690.067 Income for the period
LAPORAN POSISI STATEMENTS OF
KEUANGAN FINANCIAL POSITION
Jumlah aset 70.940.650 34.004.552 17.636.186 122.581.388 (1.246.277 ) 121.335.111 Total asset Jumlah liabilitas 78.137.820 27.774.300 5.732.119 111.644.239 (350.219 ) 111.294.020 Total liabilities
1) Wholesale terdiri dari corporate banking, tresuri dan cabang luar negeri
2) UKM & Komersial terdiri dari usaha kecil menengah (UKM) dan dari komersial dan syariah
3) Konsumen terdiri dari consumer banking dan entitas anak
1) Wholesale consist of corporate banking, treasury and overseas branches
2) SMEC consist of small medium enterprise and sharia 3) Consumer consist of consumer banking and subsidiaries
48. INFORMASI SEGMEN USAHA (lanjutan) 48. SEGMENT INFORMATION (continued) b. Segmen usaha (lanjutan) b. Business segment (continued)
Segmen operasi (lanjutan) Operating segment (continued)
31 Desember/December 31, 2012 (Diaudit/Audited)
Usaha Kecil Menengah &
Komersial (UKM &
Komersial)/
Small Medium
Enterprise & Setelah
Commercial eliminasi/
Wholesale/ (SME & Konsumen/ Jumlah/ Eliminasi/ After Wholesale1) Commercial) 2) Consumer3) Total Elimination elimination
LAPORAN LABA RUGI INCOME STATEMENTS
Pendapatan bunga - bersih 1.275.460 1.956.699 2.104.108 5.336.267 (22.532) 5.313.735 Net interest income
Pendapatan/(beban) bunga Inter-segment interest
antar segmen 253.006 (540.609) 287.603 - - - income/(expenses)
Net interest income
Pendapatan bunga after inter-segment
setelah bunga antar interest income/
segmen - bersih 1.528.466 1.416.090 2.391.711 5.336.267 (22.532) 5.313.735 (expenses)
Pendapatan operasional - kotor 709.728 184.943 1.419.126 2.313.797 (220.130) 2.093.667 Operating income - gross
Beban operasi 387.367 166.461 2.010.234 2.564.062 (84.788) 2.479.274 Operating expenses
Pendapatan operasional
sebelum penyisihan Net operating income
kerugian penurunan before allowance for
nilai - bersih 1.850.827 1.434.572 1.800.603 5.086.002 (157.874) 4.928.128 impairment losses
Pendapatan operasional - bersih 1.669.268 1.276.394 993.077 3.938.739 (157.874) 3.780.865 Net operating income
Pendapatan non operasional 18.728 4.386 5.391 28.505 - 28.505 Non-operating profit
Laba sebelum alokasi Profit before allocation
beban tidak langsung 1.687.996 1.280.780 998.468 3.967.244 (157.874) 3.809.370 indirect costs
Beban tidak langsung 2.113.501 Indirect costs
Laba sebelum beban pajak 1.695.869 Income before tax expense
Beban pajak (484.748) Tax expenses
Laba tahun berjalan 1.211.121 Income for the year
LAPORAN POSISI STATEMENTS OF
KEUANGAN FINANCIAL POSITION
Jumlah aset 45.898.684 33.588.917 37.323.851 116.811.452 (1.038.544 ) 115.772.908 Total asset Jumlah liabilitas 30.058.505 27.253.866 49.145.729 106.458.100 (352.685 ) 106.105.415 Total liabilities
1) Wholesale terdiri dari corporate banking, tresuri dan cabang luar negeri
2) UKM & Komersial terdiri dari usaha kecil menengah (UKM) dan dari komersial dan syariah
3) Konsumen terdiri dari consumer banking dan entitas anak
1) Wholesale consist of corporate banking, treasury and overseas branches
2) SMEC consist of small medium enterprise and sharia 3) Consumer consist of consumer banking and subsidiaries
Segmen geografis Geographic segment
30 Juni/June 30, 2013 (Tidak Diaudit/Unaudited)
Luar negeri/
Indonesia/ Outside Jumlah/
Indonesia Indonesia Total
Jumlah aset tidak lancar 1.228.872 3.071 1.231.943 Total non-current assets
Pendapatan bunga 5.247.532 8.909 5.256.441 Interest income
31 Desember/December 31, 2012 (Diaudit/Audited)
Luar negeri/
Indonesia/ Outside Jumlah/
Indonesia Indonesia Total
Jumlah aset tidak lancar 1.253.598 1.534 1.255.132 Total non-current assets
Pendapatan bunga 9.476.711 5.872 9.482.583 Interest income
kecuali dinyatakan lain) unless otherwise stated)
49. JAMINAN LEMBAGA PENJAMIN SIMPANAN