Obligasi I Obligasi I Bank CIMB Niaga Tahun 2011 dengan
50. INFORMASI SEGMEN USAHA OPERATING SEGMENTS INFORMATION
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;
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
Anak Perusahaan - termasuk seluruh transaksi yang timbul dan dilakukan berdasarkan bisnis anak perusahaan.
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 - undertake Bank CIMB Niaga’s treasury activities which include foreign exchange, money market, derivatives, and investing in placements and securities;
Sharia - includes all transactions relating to Sharia Business Unit;
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.
Anak
Korporasi/ Bisnis/ Ritel/ Tresuri/ Syariah/ Lain-lain/ Perusahaan/ Jumlah/
Corporate Business Retail Treasury Sharia Others Subsidiaries Total
Penghasilan/(beban) bunga bersih 419,201 826,134 805,058 605,722 117,025 (74,352) 138,395 2,837,183 Net interest income/(expense) -Pendapatan dari pihak eksternal 951,446 1,190,518 334,199 97,692 112,836 12,097 138,395 2,837,183 Income from external parties - -Pendapatan antar segmen (532,245) (364,384) 470,859 508,030 4,189 (86,449) - - Inter-segmen income -
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih (538,840) (301,449) (164,315) 6,955 (37,691) (208,365) (86,673) (1,330,378) non-financial assets - net Provisi dan komisi lainnya 69,750 45,837 244,155 (5,246) 7,055 (4,352) 60,859 418,058 Other fees and commissions Pendapatan operasional lainnya 18 9,230 32,868 198,612 3,896 36 53,036 297,696 Other operating income Beban tenaga kerja (37,893) (89,072) (308,687) (16,136) (22,759) (380,416) (69,962) (924,925) Personnel expenses Umum dan administrasi (25,121) (73,111) (471,921) (20,969) (15,368) (229,023) (55,347) (890,860) General and administrative (Beban)/pendapatan operasional lainnya - (61) (882) - (24) (6,288) (583) (7,838) Other operating (expenses)/income Laba/(rugi) operasional bersih (112,885) 417,508 136,276 768,938 52,134 (902,760) 39,725 398,936 Net operating income/(loss)
(Beban)/pendapatan bukan Non-operating (expenses)/
operasional - bersih 96 (119,539) (9,475) 1 1,641 122,040 (3,453) (8,689) income - net Laba/(rugi) sebelum pajak penghasilan (112,789) 297,969 126,801 768,939 53,775 (780,720) 36,272 390,247 Income/(loss) before income tax Beban pajak penghasilan - - - - - (97,000) (24,563) (121,563) Income tax expense Laba/(rugi) bersih (112,789) 297,969 126,801 768,939 53,775 (877,720) 11,709 268,684 Net income/(loss) Kepentingan nonpengendali - - - - - (8) - (8) Non-controlling interest Jumlah aset 52,395,859 63,894,718 42,688,682 46,935,494 7,548,870 10,578,338 7,624,557 231,666,518 Total assets
Jumlah liabilitas 25,057,113 53,905,421 85,096,375 18,898,307 8,350,644 1,401,887 6,509,152 199,218,899 Total liabilities 31 Maret/March 2016
50. INFORMASI SEGMEN USAHA (lanjutan) 50. OPERATING SEGMENTS INFORMATION (continued)
Informasi yang berkaitan dengan segmen usaha utama dari Bank CIMB Niaga dan Anak Perusahaan 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 Anak Perusahaan dikelola di wilayah Indonesia. Segmen bisnis Bank CIMB Niaga terbagi atas 6 (enam) area geografis utama, diluar Anak Perusahaan, 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 Anak Perusahaan disajikan dalam tabel di bawah ini:
Information concerning the geographical segments of Bank CIMB Niaga and Subsidiaries is presented in the table below:
Anak
Korporasi/ Bisnis/ Ritel/ Tresuri/ Syariah/ Lain-lain/ Perusahaan/ Jumlah/
Corporate Business Retail Treasury Sharia Others Subsidiaries Total
Penghasilan/(beban) bunga bersih 1,997,299 3,375,778 3,070,603 2,342,636 411,349 (240,216) 428,911 11,386,360 Net interest income/(expense) -Pendapatan dari pihak eksternal 4,022,841 5,124,520 1,136,929 216,419 400,769 55,971 428,911 11,386,360 Income from external parties - -Pendapatan antar segmen (2,025,542) (1,748,742) 1,933,674 2,126,217 10,580 (296,187) - - Inter-segmen income -
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih (2,402,501) (1,816,158) (733,890) (3,553) (175,149) (50,195) (162,011) (5,343,457) non-financial assets - net Provisi dan komisi lainnya 376,374 195,506 945,714 (25,936) 30,355 465 195,618 1,718,096 Other fees and commissions Pendapatan operasional lainnya 17 44,124 135,233 246,317 18,741 464 168,726 613,622 Other operating income Beban tenaga kerja (158,567) (419,362) (1,185,544) (636,991) (86,989) (1,383,486) (285,157) (4,156,096) Personnel expenses Umum dan administrasi (105,439) (328,589) (1,893,692) (93,243) (65,936) (814,200) (219,507) (3,520,606) General and administrative (Beban)/pendapatan operasional lainnya (32) (1,944) (17,916) - (162) 13,798 - (6,256) Other operating (expenses)/income Laba/(rugi) operasional bersih (292,849) 1,049,355 320,508 1,829,230 132,209 (2,473,370) 126,580 691,663 Net operating income/(loss)
(Beban)/pendapatan bukan Non-operating (expenses)/
operasional - bersih 1,008 (865) (38,720) 96,827 (35,738) (89,273) (54,898) (121,659) income - net Laba/(rugi) sebelum pajak penghasilan (291,841) 1,048,490 281,788 1,926,057 96,471 (2,562,643) 71,682 570,004 Income/(loss) before income tax Beban pajak penghasilan - - - - - (172,470) 30,351 (142,119) Income tax expense Laba/(rugi) bersih (291,841) 1,048,490 281,788 1,926,057 96,471 (2,735,113) 102,033 427,885 Net income/(loss) Kepentingan nonpengendali - - - - - (54) - (54) Non-controlling interest Jumlah aset 57,049,530 66,309,255 42,852,971 49,244,245 7,853,156 7,812,105 7,727,990 238,849,252 Total assets Jumlah liabilitas 22,613,736 57,787,146 86,661,011 27,939,770 7,713,936 831,245 6,623,021 210,169,865 Total liabilities
31 Desember/December 2015
Anak
Korporasi/ Bisnis/ Ritel/ Tresuri/ Syariah/ Lain-lain/ Perusahaan/ Jumlah/
Corporate Business Retail Treasury Sharia Others Subsidiaries Total
Penghasilan/(beban) bunga bersih 479,621 860,393 768,778 559,214 105,378 (66,166) 90,523 2,797,741 Net interest income/(expense) -Pendapatan dari pihak eksternal 951,729 1,310,050 272,218 58,940 103,241 11,040 90,523 2,797,741 Income from external parties - -Pendapatan antar segmen (472,108) (449,657) 496,560 500,274 2,137 (77,206) - - Inter-segmen income -
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih (761,481) (521,581) (131,729) (2,094) 1,007 11,044 (41,492) (1,446,326) non-financial assets - net Provisi dan komisi lainnya 94,924 51,329 226,226 (6,803) 1,095 97 38,765 405,633 Other fees and commissions Pendapatan operasional lainnya 10 12,651 28,108 101,268 2,333 95 53,508 197,973 Other operating income Beban tenaga kerja (39,832) (109,036) (296,772) (16,760) (21,280) (393,844) (64,782) (942,306) Personnel expenses Umum dan administrasi (23,197) (81,266) (442,433) (24,564) (19,509) (221,992) (64,382) (877,343) General and administrative (Beban)/pendapatan operasional lainnya - (65) (727) - (54) (2,689) - (3,535) Other operating (expenses)/income Laba/(rugi) operasional bersih (249,955) 212,425 151,451 610,261 68,970 (673,455) 12,140 131,837 Net operating income/(loss)
(Beban)/Pendapatan bukan Non-operating (expenses)/
operasional - bersih 446 (258) (5,860) 11,410 (6,541) (12,785) (10,537) (24,125) income - net Laba/(rugi) sebelum pajak penghasilan (249,509) 212,167 145,591 621,671 62,429 (686,240) 1,603 107,712 Income/(loss) before income tax Beban pajak penghasilan - - - - - (39,965) 14,976 (24,989) Income tax expense Laba/(rugi) bersih (249,509) 212,167 145,591 621,671 62,429 (726,205) 16,579 82,723 Net income/(loss) Kepentingan nonpengendali - - - - - (6) - (6) Non-controlling interest
Jumlah aset 54,608,871 69,570,770 40,835,721 54,288,984 7,613,382 7,115,858 7,648,752 241,682,338 Total assets
Jumlah liabilitas 21,622,199 59,599,644 81,643,377 35,017,940 7,354,485 1,180,050 6,629,235 213,046,930 Total liabilities 31 Maret/March 2015
50. INFORMASI SEGMEN USAHA (lanjutan) 50. OPERATING SEGMENTS INFORMATION (continued) Segmen geografis (lanjutan) Geographical segment (continued)
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 1,881,974 161,875 158,008 215,187 91,904 189,840 138,395 2,837,183 Net interest income
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih (694,086) (57,893) (99,277) (304,608) (15,496) (72,345) (86,673) (1,330,378) non-financial assets - net Provisi dan komisi lainnya 281,411 19,983 14,132 17,813 7,835 16,025 60,859 418,058 Other fees and commissions Pendapatan operasional lainnya 225,590 6,115 6,860 1,561 1,780 2,754 53,036 297,696 Other operating income
Beban tenaga kerja (647,389) (43,003) (42,430) (50,264) (26,753) (45,124) (69,962) (924,925) Personnel expenses
Umum dan administrasi (665,403) (39,368) (29,583) (38,735) (22,939) (39,485) (55,347) (890,860) General and administrative Beban operasional lainnya (6,875) (146) (54) (59) (8) (113) (583) (7,838) Other operating expenses Laba/(rugi) operasional bersih 375,222 47,563 7,656 (159,105) 36,323 51,552 39,725 398,936 Net operating income/(loss) (Beban)/pendapatan bukan
operasional - bersih (5,439) 74 194 (135) 68 2 (3,453) (8,689) Non-operating (expenses)/income - net Laba/(rugi) sebelum pajak penghasilan 369,783 47,637 7,850 (159,240) 36,391 51,554 36,272 390,247 Income/(loss) before income tax
Beban pajak penghasilan (97,000) - - - - - (24,563) (121,563) Income tax expense
Laba/(rugi) bersih 272,783 47,637 7,850 (159,240) 36,391 51,554 11,709 268,684 Net income/(loss) Kepentingan nonpengendali (8) - - - - - - (8) Non-controlling interest
Jumlah aset 152,761,701 15,996,271 12,085,798 19,816,791 7,663,128 15,718,272 7,624,557 231,666,518 Total asset
Jumlah liabilitas 122,885,153 16,055,357 11,656,968 19,369,377 7,566,377 15,176,515 6,509,152 199,218,899 Total liabilities
31 Maret/March 2016
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 7,627,870 654,423 638,072 873,095 367,751 796,238 428,911 11,386,360 Net interest income
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih (4,052,683) (306,262) (260,095) (174,481) (101,267) (286,658) (162,011) (5,343,457) non-financial assets - net Provisi dan komisi lainnya 1,197,047 80,580 64,121 79,324 34,301 67,105 195,618 1,718,096 Other fees and commissions Pendapatan operasional lainnya 371,187 21,398 22,502 9,208 6,564 14,037 168,726 613,622 Other operating income Beban tenaga kerja (3,044,995) (179,145) (168,611) (195,488) (100,825) (181,875) (285,157) (4,156,096) Personnel expenses Umum dan administrasi (2,608,259) (154,721) (120,831) (156,182) (94,197) (166,909) (219,507) (3,520,606) General and administrative Beban operasional lainnya (1,957) (692) (176) (2,853) (141) (437) - (6,256) Other operating expenses Laba/(rugi) operasional bersih (511,790) 115,581 174,982 432,623 112,186 241,501 126,580 691,663 Net operating income/(loss) (Beban)/Pendapatan bukan
operasional - bersih (69,010) (222) 1,733 357 206 175 (54,898) (121,659) Non-operating (expenses)/income - net Laba/(rugi) sebelum pajak penghasilan (580,800) 115,359 176,715 432,980 112,392 241,676 71,682 570,004 Income/(loss) before income tax Beban pajak penghasilan (172,470) - - - - - 30,351 (142,119) Income tax expense Laba/(rugi) bersih (753,270) 115,359 176,715 432,980 112,392 241,676 102,033 427,885 Net income/(loss) Kepentingan nonpengendali (54) - - - - - - (54) Non-controlling interest Jumlah aset 160,336,525 16,209,177 12,005,726 19,849,852 7,339,280 15,380,702 7,727,990 238,849,252 Total asset Jumlah liabilitas 133,739,942 16,404,241 11,711,427 19,456,601 7,271,574 14,963,059 6,623,021 210,169,865 Total liabilities
31 Desember/December 2015
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 1,850,346 170,189 160,950 221,768 98,808 205,157 90,523 2,797,741 Net interest income
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih (1,165,634) (90,676) (38,017) (24,909) (16,889) (68,709) (41,492) (1,446,326) non-financial assets - net Provisi dan komisi lainnya 295,531 17,909 14,631 16,735 7,311 14,751 38,765 405,633 Other fees and commissions Pendapatan operasional lainnya 127,765 2,881 8,546 2,068 587 2,617 53,509 197,973 Other operating income Beban tenaga kerja (665,454) (46,595) (43,097) (50,719) (25,569) (46,090) (64,782) (942,306) Personnel expenses Umum dan administrasi (645,512) (37,195) (30,689) (37,683) (22,314) (39,568) (64,382) (877,343) General and administrative Beban operasional lainnya (3,240) (98) (23) (48) (22) (104) - (3,535) Other operating expenses Laba operasional bersih (206,198) 16,415 72,301 127,212 41,912 68,054 12,141 131,837 Net operating income (Beban)/pendapatan bukan
operasional - bersih (7,727) 11 118 (22) (29) (5,939) (10,537) (24,125) Non-operating (expenses)/income - net Laba sebelum pajak penghasilan (213,925) 16,426 72,419 127,190 41,883 62,115 1,604 107,712 Income before income tax Beban pajak penghasilan (39,965) - - - - - 14,976 (24,989) Income tax expense Laba bersih (253,890) 16,426 72,419 127,190 41,883 62,115 16,580 82,723 Net income Kepentingan nonpengendali (6) - - - - - - (6) Non-controlling interest Jumlah aset 164,138,763 16,194,305 11,391,365 20,137,778 7,386,718 14,784,658 7,648,751 241,682,338 Total asset Jumlah liabilitas 136,945,542 16,209,655 11,263,045 19,979,219 7,360,102 14,660,132 6,629,235 213,046,930 Total liabilities
31 Maret/March 2015
51. MANAJEMEN RISIKO 51. RISK MANAGEMENT