49. KEPENTINGAN NONPENGENDALI 49. NON-CONTROLLING INTEREST
50. INFORMASI SEGMEN USAHA (lanjutan) 50. OPERATING SEGMENTS INFORMATION (continued) Bank CIMB Niaga memiliki 7 (tujuh) pelaporan segmen. Di
bawah ini merupakan penjelasan mengenai operasi dari masing-masing pelaporan segmen yang dimiliki oleh Bank CIMB Niaga:
Bank CIMB Niaga has 7 (seven) reportable segments. The following describes the operations in each of Bank CIMB Niaga’s reportable segments:
- Korporasi - termasuk kredit yang diberikan, simpanan dan transaksi-transaksi lain, serta saldo atas nasabah korporasi;
- Bisnis - merupakan produk dan jasa untuk nasabah yang berskala kecil hingga sedang;
- Ritel - fokus kepada produk dan jasa kepada nasabah individual. Segmen ini termasuk fasilitas kredit yang diberikan, simpanan dan transaksi-transaksi lain, serta saldo atas nasabah ritel;
- Tresuri - segmen ini terkait dengan kegiatan tresuri Bank CIMB Niaga termasuk transaksi valuta asing, money market, derivatif, serta investasi dalam bentuk penempatan dan efek-efek;
- Syariah - seluruh transaksi yang dilakukan oleh Unit Usaha Syariah;
- Corporate - includes loans, deposits and other transactions, and balances with corporate customers;
- Business - includes products and services for customer segments comprising small to medium scale enterprises;
- Retail - focuses on products and services for individual customers. It includes products such as loans, deposits and others transactions, and balances with retail customers;
- Treasury - this segment undertakes Bank CIMB Niaga’s treasury activities which include foreign exchange, money market, derivatives, and investing in placements and securities transactions;
- Sharia - includes all transactions relating to Sharia Business Unit;
- Lain-lain - termasuk aktivitas back office dan divisi yang tidak menghasilkan laba di Bank CIMB Niaga. Lain-lain termasuk jasa korporasi, penjualan dan distribusi, serta lain-lain; dan
- Entitas Anak - termasuk seluruh transaksi yang timbul dan dilakukan berdasarkan bisnis Entitas Anak.
- Others - includes all back office activities and non-profit center divisions in Bank CIMB Niaga. Thus, it includes corporate service, sales and distribution, and others;
and
- Subsidiaries - includes all transactions relating to Subsidiaries businesses.
Entitas
Korporasi/ Bisnis/ Ritel/ Tresuri/ Syariah/ Lain-lain/ Anak/ Jumlah/
Corporate Business Retail Treasury Sharia Others Subsidiaries Total
Penghasilan/(beban) bunga bersih 615,347 564,591 1,283,390 389,286 410,970 (52,520) 196,597 3,407,661 Net interest income/(expense) -Pendapatan dari pihak eksternal 731,606 670,425 703,605 693,616 428,891 (17,079) 196,597 3,407,661 Income from external parties - -Pendapatan/(beban) antar segmen (116,259) (105,834) 579,785 (304,330) (17,921) (35,441) - - Inter-segment income/(expense) -
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih 106,599 (322,345) (202,091) (282) (320,861) 68,577 (79,072) (749,475) non-financial assets - net Provisi dan komisi lainnya 146,148 163,746 314,009 (21,433) 79,860 (897) 48,527 729,960 Other fees and commissions Penghasilan operasional lainnya 17,065 56,393 69,257 668,515 21,071 1 14,095 846,397 Other operating income Beban tenaga kerja (54,974) (104,367) (453,452) (48,860) (36,738) (468,650) (56,481) (1,223,522) Personnel expenses Umum dan administrasi (13,826) (20,440) (520,905) (23,644) (10,239) (401,309) (37,823) (1,028,186) General and administrative Lainnya - (7) (11,539) - (4) (5,205) (638) (17,393) Others Laba/(rugi) operasional bersih 816,359 337,571 478,669 963,582 144,059 (860,003) 85,205 1,965,442 Net operating income/(loss)
Penghasilan/(beban) bukan Non-operating
operasional - bersih (7) (15) 3,131 (108) 161 3,916 43,498 50,576 income/(expense) - net Laba/(rugi) sebelum pajak penghasilan 816,352 337,556 481,800 963,474 144,220 (856,087) 128,703 2,016,018 Income/(loss) before income tax Beban pajak penghasilan - - - - - (416,832) 1,214 (415,618) Income tax expense Laba/(rugi) bersih 816,352 337,556 481,800 963,474 144,220 (1,272,919) 129,917 1,600,400 Net income/(loss) Kepentingan nonpengendali - - - - - (19,357) - (19,357) Non-controlling interest Jumlah aset 59,539,672 43,725,544 42,601,666 119,274,299 64,231,878 10,322,868 7,583,902 347,279,829 Total assets
+ + + + + + + + + + +
Jumlah liabilitas 50,943,949 44,121,787 99,547,227 43,858,656 52,399,663 4,266,004 5,158,414 300,295,700 Total liabilities 31 Maret/March 2023
50. INFORMASI SEGMEN USAHA (lanjutan) 50. OPERATING SEGMENTS INFORMATION (continued)
Informasi yang berkaitan dengan segmen usaha utama dari Bank CIMB Niaga dan Entitas Anak disajikan dalam tabel di atas ini.
Information concerning the main business segments of Bank CIMB Niaga and Subsidiaries is presented in the table above.
Segmen geografis Geographical segment
Operasional utama dari Bank CIMB Niaga dan Entitas Anak dikelola di wilayah Indonesia. Segmen bisnis Bank CIMB Niaga terbagi atas 6 (enam) area geografis utama, di luar Entitas Anak, yaitu Jakarta, Jawa Barat, Jawa Tengah, Jawa Timur, Indonesia Timur, dan Sumatera.
The principal operations of Bank CIMB Niaga and its Subsidiaries are managed in Indonesia. Bank CIMB Niaga's business segments are mainly separated in 6 (six) main geographical areas, except for Subsidiaries, which are Jakarta, West Java, Central Java, East Java, East Indonesia, and Sumatera.
Entitas
Korporasi/ Bisnis/ Ritel/ Tresuri/ Syariah/ Lain-lain/ Anak/ Jumlah/
Corporate Business Retail Treasury Sharia Others Subsidiaries Total
Penghasilan/(beban) bunga bersih 664,755 686,343 1,039,210 183,117 493,037 (21,126) 163,896 3,209,232 Net interest income/(expense) -Pendapatan dari pihak eksternal 613,744 759,746 543,661 607,027 493,117 16,225 163,896 3,197,416 Income from external parties - -Pendapatan/(beban) antar segmen 51,011 (73,403) 495,549 (423,910) (80) (37,351) - 11,816 Inter-segment income/(expense) -
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih (76,220) (339,177) (226,911) 412 (452,597) (2,886) (41,644) (1,139,023) non-financial assets - net Provisi dan komisi lainnya 174,167 30,395 209,881 (23,748) 91,520 (409) 59,031 540,837 Other fees and commissions Penghasilan operasional lainnya 20,766 27,504 62,445 830,390 94,850 - 13,230 1,049,185 Other operating income Beban tenaga kerja (47,642) (98,654) (424,811) (3,708) (33,058) (453,845) (54,059) (1,115,777) Personnel expenses Umum dan administrasi (12,040) (20,249) (474,513) (58,828) (8,402) (379,024) (24,211) (977,267) General and administrative Lainnya 1 (7) (1,187) - (5) (13,311) (50) (14,559) Others Laba/(rugi) operasional bersih 723,787 286,155 184,114 927,635 185,345 (870,601) 116,193 1,552,628 Net operating income/(loss)
Penghasilan/(beban) bukan Non-operating
operasional - bersih (8) (2) 701 (4) (1) 3,020 - 3,706 income/(expense) - net Laba/(rugi) sebelum pajak penghasilan 723,779 286,153 184,815 927,631 185,344 (867,581) 116,193 1,556,334 Income/(loss) before income tax Beban pajak penghasilan - - - - - (321,930) (25,456) (347,386) Income tax expense Laba/(rugi) bersih 723,779 286,153 184,815 927,631 185,344 (1,189,511) 90,737 1,208,948 Net income/(loss) Kepentingan nonpengendali - - - - - (14,894) - (14,894) Non-controlling interest Jumlah aset 53,600,752 45,002,020 41,187,893 100,410,214 55,276,139 5,738,574 6,209,179 307,424,771 Total assets
+ + + + + + + + + + +
Jumlah liabilitas 65,405,164 44,178,176 90,483,282 12,080,566 42,483,426 3,744,566 4,444,088 262,819,268 Total liabilities 31 Maret/March 2022
50. INFORMASI SEGMEN USAHA (lanjutan) 50. OPERATING SEGMENTS INFORMATION (continued) Segmen geografis (lanjutan) Geographical segment (continued)
Informasi yang berkaitan dengan segmen berdasarkan geografis dari Bank CIMB Niaga dan Entitas Anak disajikan dalam tabel di bawah ini:
Information concerning the geographical segments of Bank CIMB Niaga and Subsidiaries is presented in the table below:
Jawa Jawa Jawa Indonesia
Barat/ Tengah/ Timur/ Timur/ Entitas
Jakarta/ West Central East East Sumatera/ Anak/ Jumlah/
Jakarta Java Java Java Indonesia Sumatera Subsidiaries Total
Penghasilan bunga bersih 2,623,031 128,371 97,980 107,387 93,829 160,466 196,597 3,407,661 Net interest income
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih (852,349) (10,250) 275,077 (73,470) (23,443) 14,032 (79,072) (749,475) non-financial assets - net Provisi dan komisi lainnya 622,672 18,507 10,634 12,215 5,458 11,947 48,527 729,960 Other fees and commissions Penghasilan operasional lainnya 811,313 5,018 2,330 4,671 2,447 6,523 14,095 846,397 Other operating income Beban tenaga kerja (961,325) (45,046) (33,007) (51,100) (28,019) (48,544) (56,481) (1,223,522) Personnel expenses Umum dan administrasi (898,888) (21,858) (15,463) (19,781) (12,131) (22,242) (37,823) (1,028,186) General and administrative Lainnya (16,633) (33) (8) (5) - (77) (637) (17,393) Others Laba operasional bersih 1,327,821 74,709 337,543 (20,083) 38,141 122,105 85,206 1,965,442 Net operating income Pendapatan/(beban) bukan
operasional - bersih 6,105 126 362 377 78 30 43,498 50,576 Non-operating income/(expense) - net Laba sebelum pajak penghasilan 1,333,926 74,835 337,905 (19,706) 38,219 122,135 128,704 2,016,018 Income before income tax Beban pajak penghasilan (416,832) - - - - - 1,214 (415,618) Income tax expense Laba bersih 917,094 74,835 337,905 (19,706) 38,219 122,135 129,918 1,600,400 Net income Kepentingan nonpengendali (19,357) - - - - - - (19,357) Non-controlling interest Jumlah aset 250,580,379 24,045,836 11,822,150 23,574,910 9,033,622 20,639,030 7,583,902 347,279,829 Total asset Jumlah liabilitas 206,234,790 23,939,317 11,663,167 23,716,457 9,050,307 20,533,248 5,158,414 300,295,700 Total liabilities
31 Maret/March 2023
Jawa Jawa Jawa Indonesia
Barat/ Tengah/ Timur/ Timur/ Entitas
Jakarta/ West Central East East Sumatera/ Anak/ Jumlah/
Jakarta Java Java Java Indonesia Sumatera Subsidiaries Total
Penghasilan bunga bersih 2,387,206 142,937 108,990 118,471 100,514 187,218 163,896 3,209,232 Net interest income
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih (663,036) (60,890) 16,594 (316,369) (27,308) (46,370) (41,644) (1,139,023) non-financial assets - net Provisi dan komisi lainnya 416,956 20,752 10,171 14,191 6,628 13,108 59,031 540,837 Other fees and commissions Penghasilan operasional lainnya 1,014,451 2,986 36 14,716 1,222 2,544 13,230 1,049,185 Other operating income Beban tenaga kerja (865,541) (42,966) (33,007) (47,880) (25,557) (46,767) (54,059) (1,115,777) Personnel expenses Umum dan administrasi (862,977) (23,273) (15,336) (19,935) (11,132) (20,403) (24,211) (977,267) General and administrative Lainnya (14,475) (16) (6) (4) (1) (7) (50) (14,559) Others Laba operasional bersih 1,412,584 39,530 87,442 (236,810) 44,366 89,323 116,193 ` 1,552,628 Net operating income Pendapatan/(beban) bukan
operasional - bersih 3,366 111 59 102 103 (35) - 3,706 Non-operating income/(expense) - net Laba sebelum pajak penghasilan 1,415,950 39,641 87,501 (236,708) 44,469 89,288 116,193 1,556,334 Income before income tax Beban pajak penghasilan (321,930) - - - - - (25,456) (347,386) Income tax expense Laba bersih 1,094,020 39,641 87,501 (236,708) 44,469 89,288 90,737 1,208,948 Net income Kepentingan nonpengendali (14,894) - - - - - - (14,894) Non-controlling interest Jumlah aset 218,382,617 21,413,272 11,332,272 23,029,306 8,595,150 18,462,975 6,209,179 307,424,771 Total asset Jumlah liabilitas 174,732,777 21,502,888 11,429,222 23,573,938 8,649,139 18,487,216 4,444,088 262,819,268 Total liabilities
31 Maret/March 2022
51. MANAJEMEN RISIKO 51. RISK MANAGEMENT