50. KEPENTINGAN NONPENGENDALI 50. NON-CONTROLLING INTEREST
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 1,404,695 1,299,632 3,457,158 1,909,440 925,713 121,583 353,733 9,471,954 Net interest income/(expense) -Pendapatan dari pihak eksternal 3,273,028 3,684,458 1,181,654 91,216 891,305 (3,440) 353,733 9,471,954 Income from external parties - -Pendapatan antar segmen (1,868,333) (2,384,826) 2,275,504 1,818,224 34,408 125,023 - - Inter-segmen income -
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih (835,367) (1,037,329) (588,085) (9,563) (161,553) 178,021 (11,952) (2,465,828) non-financial assets - net Provisi dan komisi lainnya 261,633 142,719 996,197 (32,516) 212,977 74,170 83,062 1,738,242 Other fees and commissions Penghasilan operasional lainnya 114,429 571,899 174,224 480,926 40,964 47,205 45,464 1,475,111 Other operating income Beban tenaga kerja (99,272) (300,614) (1,267,772) (434,245) (92,999) (1,226,207) (156,009) (3,577,118) Personnel expenses Umum dan administrasi (53,791) (128,410) (1,510,406) (55,877) (56,663) (917,726) (115,231) (2,838,104) General and administrative Beban operasional lainnya - (4) 2,166 - (19,700) (141,877) (93) (159,508) Other operating expenses Laba/(rugi) operasional bersih 792,327 547,893 1,263,482 1,858,165 848,739 (1,864,831) 198,974 3,644,749 Net operating income/(loss)
Penghasilan/(beban) bukan Non-operating
operasional - bersih 1,150 10,234 (15,710) 19,258 111 6,946 (11,375) 10,614 income/(expense) - net Laba/(rugi) sebelum pajak penghasilan 793,477 558,127 1,247,772 1,877,423 848,850 (1,857,885) 187,599 3,655,363 Income/(loss) before income tax Beban pajak penghasilan - - - - - (928,658) (49,446) (978,104) Income tax expense Laba/(rugi) bersih 793,477 558,127 1,247,772 1,877,423 848,850 (2,786,543) 138,153 2,677,259 Net income/(loss) Kepentingan nonpengendali - - - - - 1,487 - 1,487 Non-controlling interest Jumlah aset 59,778,480 61,103,052 36,744,179 52,706,903 36,982,580 12,025,183 3,478,543 262,818,920 Total assets Jumlah liabilitas 21,267,897 41,569,643 89,901,507 23,643,641 30,290,802 12,234,719 1,627,432 220,535,641 Total liabilities
30 September/September 2019
51. INFORMASI SEGMEN USAHA (lanjutan) 51. OPERATING SEGMENTS INFORMATION (continued)
Entitas
Korporasi/ Bisnis/ Ritel/ Tresuri/ Syariah/ Lain-lain/ Anak/ Jumlah/
Corporate Business Retail Treasury Sharia Others Subsidiaries Total
Penghasilan/(beban) bunga bersih 1,834,923 2,158,986 2,628,739 1,305,340 647,099 (4,351) 441,831 9,012,567 Net interest income/(expense) -Pendapatan dari pihak eksternal 2,694,001 3,299,033 1,372,948 618,412 627,949 (41,607) 441,831 9,012,567 Income from external parties - -Pendapatan antar segmen (859,078) (1,140,047) 1,255,791 686,928 19,150 37,256 - - Inter-segmen income -
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih (329,031) (1,438,146) (902,402) (4,583) (109,394) 341,143 132,750 (2,309,663) non-financial assets - net Provisi dan komisi lainnya 213,821 172,387 992,106 (27,923) 62,308 170,120 26,219 1,609,038 Other fees and commissions Pendapatan operasional lainnya 136,612 282,683 217,196 473,996 34,770 7,100 105,095 1,257,452 Other operating income Beban tenaga kerja (95,872) (263,841) (1,155,543) (55,820) (81,903) (1,215,758) (101,283) (2,970,020) Personnel expenses Umum dan administrasi (67,879) (144,986) (1,462,010) (51,003) (58,514) (789,944) (101,698) (2,676,034) General and administrative Beban operasional lainnya - (322) 3,247 - (8) (125,447) (232,560) (355,090) Other operating expenses Laba/(rugi) operasional bersih 1,692,574 766,761 321,333 1,640,007 494,358 (1,617,137) 270,354 3,568,250 Net operating income/(loss)
Pendapatan bukan Non-operating /
operasional - bersih 24,975 (19) 14,385 17 2,801 72 15,591 57,822 income - net Laba/(rugi) sebelum pajak penghasilan 1,717,549 766,742 335,718 1,640,024 497,159 (1,617,065) 285,945 3,626,072 Income/(loss) before income tax Beban pajak penghasilan - - - - - (903,747) (130,477) (1,034,224) Income tax expense Laba/(rugi) bersih 1,717,549 766,742 335,718 1,640,024 497,159 (2,520,812) 155,468 2,591,848 Net income/(loss) Kepentingan nonpengendali - - - - - (109) - (109) Non-controlling interest Jumlah aset 57,167,845 64,757,386 38,808,776 61,243,621 21,378,701 14,493,395 2,757,625 260,607,349 Total assets Jumlah liabilitas 32,046,207 45,320,123 87,876,305 21,437,614 22,004,666 12,073,420 1,370,298 222,128,633 Total liabilities
30 September/September 2018
Entitas
Korporasi/ Bisnis/ Ritel/ Tresuri/ Syariah/ Lain-lain/ Anak/ Jumlah/
Corporate Business Retail Treasury Sharia Others Subsidiary Total
Penghasilan/(beban) bunga bersih 2,909,663 3,076,807 3,354,120 1,364,774 921,374 (100,888) 485,881 12,011,731 Net interest income/(expense) -Pendapatan dari pihak eksternal 3,629,231 4,529,912 1,799,974 718,003 902,224 (53,494) 485,881 12,011,731 Income from external parties - -Pendapatan antar segmen (719,568) (1,453,105) 1,554,146 646,771 19,150 (47,394) - - Inter-segmen income -
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih (501,161) (1,940,867) (1,266,094) (3,014) (215,382) 825,539 71,447 (3,029,532) non-financial assets - net Provisi dan komisi lainnya 269,849 237,623 1,333,490 (40,426) 157,143 159,171 35,005 2,151,855 Other fees and commissions Pendapatan operasional lainnya 191,279 363,300 283,334 633,918 49,435 8,159 134,992 1,664,417 Other operating income Beban tenaga kerja (129,616) (349,250) (1,539,217) (75,290) (110,195) (1,656,934) (141,289) (4,001,791) Personnel expenses Umum dan administrasi (92,031) (192,762) (1,977,633) (73,810) (73,652) (1,140,902) (157,710) (3,708,500) General and administrative Beban operasional lainnya - (323) 25,638 - (29,903) (137,482) (151,767) (293,837) Other operating expenses Laba/(rugi) operasional bersih 2,647,983 1,194,528 213,638 1,806,152 698,820 (2,043,337) 276,559 4,794,343 Net operating income/(loss)
(Beban)/pendapatan bukan Non-operating (expenses)/
operasional - bersih 1,300 2,208 22,436 17 2,846 (8,280) 35,948 56,475 income - net Laba/(rugi) sebelum pajak penghasilan 2,649,283 1,196,736 236,074 1,806,169 701,666 (2,051,617) 312,507 4,850,818 Income/(loss) before income tax Beban pajak penghasilan - - - - - (1,232,737) (135,653) (1,368,390) Income tax expense Laba/(rugi) bersih 2,649,283 1,196,736 236,074 1,806,169 701,666 (3,284,354) 176,854 3,482,428 Net income/(loss) Kepentingan nonpengendali - - - - - (124) - (124) Non-controlling interest Jumlah aset 60,970,732 65,202,245 38,592,881 58,761,293 34,376,868 6,267,432 2,610,047 266,781,498 Total assets Jumlah liabilitas 24,950,959 45,713,408 86,871,908 30,637,374 25,394,255 12,431,681 1,201,334 227,200,919 Total liabilities
31 Desember/December 2018
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.
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 6,614,900 661,612 447,602 569,929 279,542 544,636 353,733 9,471,954 Net interest income
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih (1,555,518) 24,096 (360,507) (293,287) (15,910) (252,750) (11,952) (2,465,828) non-financial assets - net Provisi dan komisi lainnya 1,418,315 61,244 47,212 54,011 24,017 50,381 83,062 1,738,242 Other fees and commissions Pendapatan operasional lainnya 1,068,911 80,003 87,926 43,201 23,921 125,685 45,464 1,475,111 Other operating income Beban tenaga kerja (2,778,639) (134,274) (128,494) (153,216) (78,412) (148,074) (156,009) (3,577,118) Personnel expenses Umum dan administrasi (2,291,809) (96,481) (74,906) (103,791) (55,805) (100,081) (115,231) (2,838,104) General and administrative Beban operasional lainnya (162,798) (12) (20) (1,016) (1) 4,432 (93) (159,508) Other operating expenses Laba operasional bersih 2,313,362 596,188 18,813 115,831 177,352 224,229 198,974 3,644,749 Net operating income Pendapatan bukan
operasional - bersih 21,743 523 375 (1,231) 506 73 (11,375) 10,614 Non-operating income - net Laba sebelum pajak penghasilan 2,335,105 596,711 19,188 114,600 177,858 224,302 187,599 3,655,363 Income before income tax Beban pajak penghasilan (928,658) - - - - - (49,446) (978,104) Income tax expense Laba bersih 1,406,447 596,711 19,188 114,600 177,858 224,302 138,153 2,677,259 Net income Kepentingan nonpengendali 1,487 - - - - - - 1,487 Non-controlling interest Jumlah aset 180,865,409 22,265,794 11,162,956 21,855,496 7,706,322 15,484,400 3,478,543 262,818,920 Total asset Jumlah liabilitas 141,611,724 21,693,799 11,109,067 21,746,150 7,517,336 15,230,133 1,627,432 220,535,641 Total liabilities
30 September/September 2019
Jawa Jawa Jawa Indonesia
Barat/ Tengah/ Timur/ Timur/ Anak
Jakarta/ West Central East East Sumatera/ Perusahaan/ Jumlah/
Jakarta Java Java Java Indonesia Sumatera Subsidiaries Total
Penghasilan bunga bersih 6,293,896 429,278 529,646 516,390 251,431 550,095 441,831 9,012,567 Net interest income
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih (1,278,965) (64,883) (228,581) (394,140) (190,513) (285,331) 132,750 (2,309,663) non-financial assets - net Provisi dan komisi lainnya 1,349,660 76,232 35,764 51,681 21,693 47,789 26,219 1,609,038 Other fees and commissions Pendapatan operasional lainnya 1,024,991 38,554 28,928 6,025 7,869 45,990 105,095 1,257,452 Other operating income Beban tenaga kerja (2,260,528) (126,654) (126,382) (141,917) (74,517) (138,739) (101,283) (2,970,020) Personnel expenses Umum dan administrasi (2,130,991) (94,871) (77,905) (107,020) (57,079) (106,470) (101,698) (2,676,034) General and administrative Beban operasional lainnya (127,071) (55) (98) 5,082 (7) (381) (232,560) (355,090) Other operating expenses Laba/(rugi) operasional bersih 2,870,992 257,601 161,372 (63,899) (41,123) 112,953 270,354 3,568,250 Net operating income/(loss) Pendapatan/ (beban) bukan
operasional - bersih 37,866 765 558 3,525 293 (776) 15,591 57,822 Non-operating income/(expenses) - net Laba/(rugi) sebelum pajak penghasilan 2,908,858 258,366 161,930 (60,374) (40,830) 112,177 285,945 3,626,072 Income/(loss) before income tax Beban pajak penghasilan (903,747) - - - - - (130,477) (1,034,224) Income tax expense Laba/(rugi) bersih 2,005,111 258,366 161,930 (60,374) (40,830) 112,177 155,468 2,591,848 Net income/(loss) Kepentingan nonpengendali (109) - - - - - - (109) Non-controlling interest Jumlah aset 181,749,424 16,712,195 11,746,861 22,793,295 8,040,880 16,807,069 2,757,625 260,607,349 Total asset Jumlah liabilitas 143,583,851 16,982,216 11,775,277 23,251,122 8,265,711 16,900,158 1,370,298 222,128,633 Total liabilities
30 September/September 2018
51. INFORMASI SEGMEN USAHA (lanjutan) 51. OPERATING SEGMENTS INFORMATION (continued) Segmen geografis (lanjutan) Geographical segment (continued)
52. MANAJEMEN RISIKO 52. RISK MANAGEMENT
Bank CIMB Niaga telah mengimplementasikan prosedur Manajemen Risiko sesuai dengan POJK No.18/POJK.03/2016 tentang Penerapan Manajemen Risiko bagi Bank Umum dan Surat Edaran OJK No.34/SEOJK.03/2016 tentang Penerapan Manajemen Risiko bagi Bank Umum tanggal 1 September 2016, serta POJK No.38/POJK.03/2017 tanggal 12 Juli 2017 dan SEOJK No.43/SEOJK.03/2017 tentang Penerapan Manajemen Risiko Secara Konsolidasi Bagi Bank yang Melakukan Pengendalian Terhadap Perusahaan Anak.
Menurut surat edaran tersebut, penerapan manajemen risiko harus dilakukan tidak hanya pada risiko kredit, risiko pasar maupun risiko operasional, namun juga untuk risiko likuiditas, risiko hukum, risiko reputasi, risiko strategis, dan risiko kepatuhan.
Bank CIMB Niaga has implemented Risk Management procedure in accordance with OJK regulation No.18/POJK.03/2016 concerning Application of Risk Management for Commercial Banks and OJK Circular Letter No.34/SEOJK.03/2016 concerning Application of Risk Management for Commercial Banks dated 1 September 2016, also OJK regulation No.38/POJK.03/2017 dated 12 July 2017 and SEOJK No.43/SEOJK.03/2017 regarding Implementation of Consolidated Risk Management for Bank Performing Control on Subsidiary Companies.
As stipulated in the decrees, processes for application of risk management shall be implemented not only for credit risk, market risk and operational risk, but also for liquidity risk, legal risk, reputation risk, strategic risk, and compliance risk.
Pengungkapan mengenai risiko kredit, risiko tingkat suku bunga, risiko mata uang, risiko likuiditas, dan risiko operasional telah diungkapkan dalam catatan tersendiri (lihat Catatan 53, 54, 55, 56, dan 57).
Disclosure of credit risk, interest rate risk, currency risk, liquidity risk, and operational risk has been disclosed in separate notes (refer to Notes 53, 54, 55, 56, and 57).
a. Risiko Hukum a. Legal Risk
Risiko hukum adalah risiko yang disebabkan oleh adanya kelemahan aspek yuridis, antara lain yang disebabkan adanya tuntutan hukum, ketiadaan peraturan perundang-undangan yang mendukung aktivitas atau produk Bank CIMB Niaga dan Entitas Anak, atau kelemahan perikatan seperti tidak dipenuhinya syarat sahnya kontrak dan pengikatan agunan yang tidak sempurna.
Legal risk is the risk arising from weaknesses in judicial aspect, amongst others are caused by legal claims, unavailability of law and regulations which supports Bank CIMB Niaga and Subsidiaries products and activities, or weaknesses in legal documentation such as unavailability of binding contract and complete collateral agreements.
Jawa Jawa Jawa Indonesia
Barat/ Tengah/ Timur/ Timur/ Entitas
Jakarta/ West Central East East Sumatera/ Anak/ Jumlah/
Jakarta Java Java Java Indonesia Sumatera Subsidiary Total
Penghasilan bunga bersih 8,471,340 484,665 758,374 651,492 339,644 820,335 485,881 12,011,731 Net interest income
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih (1,823,077) (144,447) (304,264) (530,147) (165,456) (133,588) 71,447 (3,029,532) non-financial assets - net Provisi dan komisi lainnya 1,805,494 96,081 50,950 71,354 28,807 64,164 35,005 2,151,855 Other fees and commissions Pendapatan operasional lainnya 1,356,863 40,467 50,678 7,026 8,913 65,478 134,992 1,664,417 Other operating income Beban tenaga kerja (3,050,727) (172,984) (166,540) (188,418) (99,175) (182,658) (141,289) (4,001,791) Personnel expenses Umum dan administrasi (2,941,397) (133,080) (108,361) (146,902) (77,468) (143,582) (157,710) (3,708,500) General and administrative Beban operasional lainnya (171,449) (125) (97) 5,062 (8) 24,547 (151,767) (293,837) Other operating expenses Laba/(rugi) operasional bersih 3,647,047 170,577 280,740 (130,533) 35,257 514,696 276,559 4,794,343 Net operating income/(loss) Pendapatan bukan
operasional - bersih 13,847 975 830 3,839 447 589 35,948 56,475 Non-operating/income - net Laba/ (rugi) sebelum pajak penghasilan 3,660,894 171,552 281,570 (126,694) 35,704 515,285 312,507 4,850,818 Income/(loss) before income tax Beban pajak penghasilan (1,232,737) - - - - - (135,653) (1,368,390) Income tax expense Laba/(rugi) bersih 2,428,157 171,552 281,570 (126,694) 35,704 515,285 176,854 3,482,428 Net income/(loss) Kepentingan nonpengendali (124) - - - - - - (124) Non-controlling interest Jumlah aset 192,502,815 16,419,275 11,584,189 20,422,525 7,378,290 15,864,357 2,610,047 266,781,498 Total asset Jumlah liabilitas 153,627,433 16,915,459 11,508,853 20,907,858 7,549,957 15,490,025 1,201,334 227,200,919 Total liabilities
31 Desember/December 2018