ALLOWANCE FOR IMPAIRMENT LOSSES ON FINANCIAL AND NON-FINANCIAL ASSETS
41. KOMITMEN DAN KONTINJENSI (lanjutan) COMMITMENTS AND CONTINGENCIES
(continued) Pada tanggal 31 Desember 2015 dan 2014, tidak
terdapat komitmen dan kontinjensi signifikan lainnya selain komitmen dan kontinjensi yang telah diungkapkan di atas.
As at 31 December 2015 and 2014, there are nosignificant commitments and contingencies other
than the aforementioned commitments and
contingencies.
42. PERJANJIAN PENTING 42. SIGNIFICANT AGREEMENT
Perjanjian Implementasi Sistem Aplikasi Terintegrasi Transaksi Manajemen – PT Sigma Cipta Caraka
Implementation of Application Integrated Transaction Management – PT Sigma Cipta Caraka
Pada tanggal 26 Agustus 2014, Bank dan PT Sigma Cipta Caraka telah menandatangani Perjanjian Aplikasi Terintegrasi Transaksi Manajemen, dimana PT Sigma Cipta Caraka setuju untuk memberikan layanan jasa untuk membuat sistem untuk operasi bisnis Bank.
On 26 August 2014, Bank and PT Sigma Cipta
Caraka have signed Application Integrated
Transaction Management, in which PT Sigma Cipta Caraka agrees to distribute Integrated Transaction Management Application for Bank’s business operation.
Berdasarkan perjanjian ini, PT Sigma Cipta Caraka memiliki hak dan kewajiban sebagai berikut:
Based on this agreement, PT Sigma Cipta Caraka have right and obligation as follows:
1. PT Sigma Cipta Caraka berhak mendapatkan pembayaran dari Bank
1. PT Sigma Cipta Caraka is entitled to receive payment from the Bank
2. PT Sigma Cipta Caraka wajib memberikan lisensi aplikasi kepada Bank
2. PT Sigma Cipta Caraka is obligated to give the license of the application to the Bank
3. PT Sigma Cipta Caraka wajib membuat aplikasi sesuai dengan keinginan Bank
3. PT Sigma Cipta Caraka is obligated to customize the application according to Bank’s request
4. PT Sigma Cipta Caraka wajib membuat laporan kemajuan proses implementasi
4. PT Sigma Cipta Caraka is obligated to make official report for implementation process progress
5. PT Sigma Cipta Caraka wajib memastikan program telah benar untuk mencegah kesalahan.
5. PT Sigma Cipta Caraka is obligated to ensure the programs to prevent errors.
Perjanjian ini berlaku selama lima (5) tahun sejak tanggal 26 Agustus 2014, dan akan berakhir pada tanggal 25 Agustus 2019.
This agreement is valid for five (5) years since 26 August 2014 and will be ended on 25 August 2019.
Perubahan kepentingan nonpengendali atas kekayaan neto Entitas Anak adalah sebagai berikut:
The changes in the non-controlling interest in the net assets of the Subsidiary is as follows:
2015 2014
Saldo awal tahun 27,063 29,357 Balance at beginning of the year
Bagian kepentingan nonpengendali Profit for the year attributable to
atas laba tahun berjalan (2,402) (3,873) non-controlling interest
Bagian kepentingan nonpengendali Other comprehensive income
atas laba komprehensif lainnya 136 - attributable to non-controlling interest
Bagian kepentingan nonpengendali
atas keuntungan/(kerugian)
yang belum direalisasi atas Unrealized gains/(losses) on changes
perubahan nilai wajar surat- in fair value of available-for-sale
Efek-efek yang tersedia marketable securities in
untuk dijual di dalam ekuitas Subsidiary’s equity to
Entitas Anak (8,532) 1,579 non-controlling interest
Saldo akhir tahun 16,265 27,063 Balance at end of the year
44. INFORMASI SEGMEN USAHA 44. SEGMENT INFORMATION
a. Bidang usaha a. Business activities
Nama Perusahaan/Company Bidang Usaha/Business Activities
PT Bank Victoria International Tbk. PT Bank Victoria Syariah
Perbankan Konvensional/ Conventional banking Perbankan Syariah/ Banking activities based on Sharia Principles
b. Segmen Usaha b. Business Segment
Segmen Operasi Operating Segment
Bank telah menyajikan segmen operasi berdasarkan PSAK 5 (Revisi 2009) mengenai "Segmen Operasi". 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.
The Bank presented operating segment based
on PSAK 5 (Revised 2009) regarding
'`Operating Segments". The operating segment reported is according to internal bank report prepared for operational decisions that are responsible for allocating resources to certain segments and assessment of performance.
Tidak terdapat pendapatan dari satu konsumen eksternal atau pihak lain yang mencapai 10% atau lebih dari jumlah pendapatan Bank untuk tahun yang berakhir pada tanggal-tanggal 31 Desember 2015 dan 2014.
There was no revenue from the external customers or other parties that reached 10% or more of the Bank's income for the years ended 31 December 2015 and 2014
Berikut adalah informasi segmen Grup berdasarkan segmen operasi:
The following is the segment information of the Group based on operating segments:
b. Segmen Usaha (lanjutan) b. Business Segment (continued)
Segmen Operasi (lanjutan) Operating Segment (continued)
2015 Konvensional/ Conventional Syariah/ Sharia Eliminasi/ Elimination Jumlah/ Total
Pendapatan bunga dan syariah Interest income
- bersih 316,494,656 39,984,854 - 356,479,510 and Sharia- net
Pendapatan operasional Other operating
lainnya 202,083,025 1,231,299 - 203,314,324 income
Beban operasional lainnya (391,862,448) (73,739,893) (1,363,881) (466,966,222) Other operating expense
Income/(loss)
Laba/(rugi) operasional 126,715,233 (32,523,740) (1,363,881) 92,827,612 from operations Jumlah aset 22,056,162,584 1,379,258,860 (184,735,793) 23,250,685,651 Total assets Jumlah liabilitas 19,940,425,213 126,675,543 (35,510,931) 20,031,589,825 Total liaibilities
2014 Konvensional/ Conventional Syariah/ Sharia Eliminasi/ Elimination Jumlah/ Total
Pendapatan bunga dan syariah Interest income
- bersih 292,110,640 45,509,163 - 337,619,803 and Sharia- net
Pendapatan operasional Other operating
lainnya 131,357,598 3,163,924 (2,567,157) 131,954,365 income
Beban operasional lainnya (292,168,184) (73,921,147) - (366,089,331) Other operating expense
Income/(loss)
Laba/(rugi) operasional 131,300,054 (25,248,060) (2,567,157) 103,484,837 from operations Jumlah aset 20,138,678,812 1,439,983,332 (213,779,860) 21,364,882,284 Total assets Jumlah liabilitas 18,400,817,621 134,237,725 (100,432,251) 18,434,623,095 Total liaibilities
Segmen Geografis Geographic Segment
Berikut ini adalah informasi segmen Grup berdasarkan daerah geografis:
The following is the business segment information of the Group based on geographical area: 2015 Jadetabek/ Jadetabek Jawa Barat/ West Java Jawa Tengah & Jawa Timur
/Central & East Java Luar Jawa/ Non Java Jumlah/ Total Pendapatan bunga
dan Syariah - Interest income
neto 357,370,299 (13,470,558) 3,904,189 8,675,580 356,479,510 and Sharia - net Beban penyisihan
kerugian Provision for
penurunan nilai impairment
aset keuangan losses on
dan non- financial and non-
keuangan (146,731,807) (7,388,496) 3,573,301 (2,924,983) (153,471,985) financial assets Pendapatan
operasional Other operating
lainnya 202,473,483 550,907 289,934 - 203,314,324 income
General and
administrative
Beban umum dan expenses,
administrasi, personnel
tenaga kerja dan expenses and
lain-lain (291,768,207) (11,816,759) (7,794,434) (2,114,837) (313,494,237) others
Income from
Laba operasional 121,343,768 (32,124,906) (27,010) 3,635,760 92,827,612 operations Pendapatan non
operasional - Non-operating
neto (16,368,493) 20,187,831 5,022,119 (7,671,663) 1,169,794 income - net
Laba sebelum
pajak Income before
penghasilan 104,975,275 (11,937,075) 4,995,109 (4,035,903) 93,997,406 income tax
Beban pajak Income tax
penghasilan 75,810 - - - 75,810 expense
Laba tahun
berjalan 105,051,085 (11,937,075) 4,995,109 (4,035,903) 94,073,216 Profit for the year
Jumlah aset 22,441,144,776 395,397,908 354,043,320 60,099,647 23,250,685,651 Total assets Jumlah liabilitas 19,303,172,294 379,069,371 286,167,043 63,181,117 20,031,589,825 Total liabilities
b. Segmen Usaha (lanjutan) b. Business Segment (continued)
Segmen Geografis (lanjutan) Geographic Segment (continued) Berikut ini adalah informasi segmen Grup
berdasarkan daerah geografis:
The following is the business segment information of the Group based on geographical area: 2014 Jadetabek/ Jadetabek Jawa Barat/ West Java Jawa Tengah
& Jawa Timur
/Central & East Java Luar Jawa/ Non Java Jumlah/ Total Pendapatan bunga
dan Syariah - Interest income
neto 321,608,025 (4,780,259) 8,357,197 12,434,840 337,619,803 and Sharia - net Beban penyisihan
kerugian Provision for
penurunan nilai impairment
aset keuangan losses on
dan non- financial and non-
keuangan (29,442,633) (6,854,379) (5,647,903) (1,519,710) (43,464,625) financial assets Pendapatan
operasional Other operating
lainnya 130,788,611 656,728 218,055 290,971 131,954,365 income
General and
administrative
Beban umum dan expenses,
administrasi, personnel
tenaga kerja dan expenses and
lain-lain (298,071,223) (14,696,448) (7,192,473) (2,664,562) (322,624,706) others
Income from
Laba operasional 124,882,780 (25,674,358) (4,265,124) 8,541,539 103,484,837 operations Pendapatan non
operasional - Non-operating
neto 8,928,976 20,774,216 (3,218,415) (8,436,913) 18,047,864 income - net
Laba sebelum
pajak Income before
penghasilan 133,811,756 (4,900,142) (7,483,539) 104,626 121,532,701 income tax
Beban pajak Income tax
penghasilan (15,833,357) - - - (15,833,357) expense
Laba tahun
berjalan 117,978,399 (4,900,142) (7,483,539) 104,626 105,699,344 Profit for the year
Jumlah aset 21,108,027,665 156,945,766 85,506,788 14,402,065 21,364,882,284 Total assets
Jumlah liabilitas 18,165,767,295 161,564,082 92,994,278 14,297,440 18,434,623,095 Total liabilities
45. JAMINAN PEMERINTAH TERHADAP