Obligasi I Obligasi I CIMB Niaga Auto Finance Tahun 2012
47. KOMITMEN DAN KONTINJENSI - BERSIH COMMITMENTS AND CONTINGENCIES - NET Dalam bisnis normal perbankan, Bank CIMB Niaga
mempunyai komitmen dan kontinjensi yang tidak disajikan dalam laporan posisi keuangan konsolidasian.
As part of normal banking business, Bank CIMB Niaga has commitments and contingencies that are not presented in the consolidated statement of financial position.
2015 2014 2015 2014
3 Bulan/ 3 Bulan/ 9 Bulan/ 9 Bulan/
Months Months Months Months
Laba bersih yang tersedia
bagi pemegang saham 88,967 343,437 265,300 2,296,050 Net profit attributable to shareholders Weighted average number of
Rata-rata tertimbang saham ordinary share on issue
biasa yang beredar (dalam ribuan) (in thousands) (including capital
(termasuk dana setoran modal) * 25,131,607 25,131,607 25,131,607 25,131,607 paid in advance) *
Laba per saham dasar Basic earnings per share
(nilai penuh) 3.54 13.67 10.56 91.36 (full amount) 30 September/September
Halaman – 5/160– Page (continued) Ikhtisar komitmen dan kontinjensi Bank CIMB Niaga yang
dinyatakan dalam nilai kontrak setara dengan mata uang Rupiah adalah:
The following is a summary of Bank CIMB Niaga commitments and contingencies at the equivalent Rupiah contractual amounts:
Komitmen dan kontinjensi yang berhubungan dengan
derivatif disajikan di Catatan 11. The commitments and contingencies relating to derivative transaction is disclosed in Note 11.
Rincian liabilitas komitmen dan kontinjensi untuk fasilitas penyediaan dana yang belum digunakan, irrevocable letters of credit yang masih berjalan, dan garansi yang diterbitkan berdasarkan kolektibilitas dan mata uang adalah:
The details of commitments and contingencies payables for unutilised portion of fund facilities, outstanding irrevocable letters of credit, and guarantees issued based on collectibility and currency are as follows:
30 September/ 31 Desember/
September 2015 December 2014
KOMITMEN COMMITMENTS
Liabilitas komitmen Commitments payable
Fasilitas penyediaan dana yang Unutilised portion of
belum digunakan (57,656,098) (55,030,807) fund facilities
Irrevocable letters of credit Outstanding irrecovable
yang masih berjalan (1,691,574) (2,669,385) letters of credit
Lain-lain (476,243) (15,975) Others
Jumlah liabilitas komitmen (59,823,915) (57,716,167) Total commitments payable
Komitmen - bersih (59,823,915) (57,716,167) Commitments - net
KONTINJENSI CONTINGENCIES
Tagihan kontinjensi Contingent receivables
Garansi yang diterima 1,252,711 1,019,848 Guarantees received
Penghasilan bunga Interest receivable on
dalam penyelesaian 1,248,953 843,648 non-performing assets
Jumlah tagihan kontinjensi 2,501,664 1,863,496 Total contingent receivables
Liabilitas kontinjensi Contingent payables
Garansi yang diterbitkan (4,338,570) (3,918,714) Guarantees issued
Lain-lain - (856) Others
Jumlah liabilitas kontinjensi (4,338,570) (3,919,570) Total contingent payables
Kontinjensi - bersih (1,836,906) (2,056,074) Contingencies - net
KOMITMEN DAN KONTINJENSI COMMITMENTS AND
- BERSIH (61,660,821) (59,772,241) CONTINGENCIES - NET
Halaman – 5/161– Page
47. KOMITMEN DAN KONTINJENSI – BERSIH (lanjutan) 47. COMMITMENTS AND CONTINGENCIES – NET (continued)
Dalam Perhatian
Khusus/ Kurang
Lancar/ Special Lancar/ Diragukan/ Macet/ Jumlah/
Pass Mention Substandard Doubtful Loss Total
Rupiah Rupiah
Fasilitas penyediaan dana Unutilised portion
yang belum digunakan 40,557,304 539,030 - - 16,195 41,112,529 of fund facilities
Irrevocable letters of credit yang Outstanding
masih berjalan 368,431 - - - - 368,431 irrevocable letters of credit Garansi yang diterbitkan 2,778,875 - - - - 2,778,875 Guarantees issued
Sub jumlah 43,704,610 539,030 - - 16,195 44,259,835 Sub total
Mata Uang Asing Foreign currencies
Fasilitas penyediaan dana Unutilised portion
yang belum digunakan 16,191,018 352,551 - - - 16,543,569 of fund facilities
Irrevocable letters of credit yang Outstanding
masih berjalan 1,323,143 - - - - 1,323,143 irrevocable letters of credit Garansi yang diterbitkan 1,559,695 - - - - 1,559,695 Guarantees issued
Sub jumlah 19,073,856 352,551 - - - 19,426,407 Sub total
62,778,466
891,581 - - 16,195 63,686,242
Dikurangi: Estimasi kerugian Less: Estimated losses
atas komitmen dan kontinjensi - on commitments and contingencies
63,686,242 30 September/September 2015
Dalam Perhatian
Khusus/ Kurang
Lancar/ Special Lancar/ Diragukan/ Macet/ Jumlah/
Pass Mention Substandard Doubtful Loss Total
Rupiah Rupiah
Fasilitas penyediaan dana Unutilised portion
yang belum digunakan 37,977,450 479,288 1,536 3,322 4,140 38,465,736 of fund facilities
Irrevocable letters of credit yang Outstanding
masih berjalan 506,867 - - - - 506,867 irrevocable letters of credit Garansi yang diterbitkan 2,929,737 - - - - 2,929,737 Guarantees issued
Sub jumlah 41,414,054 479,288 1,536 3,322 4,140 41,902,340 Sub total
Mata Uang Asing Foreign currencies
Fasilitas penyediaan dana Unutilised portion
yang belum digunakan 16,528,311 35 - - 36,725 16,565,071 of fund facilities
Irrevocable letters of credit yang Outstanding
masih berjalan 2,162,518 - - - - 2,162,518 irrevocable letters of credit Garansi yang diterbitkan 988,977 - - - - 988,977 Guarantees issued
Sub jumlah 19,679,806 35 - - 36,725 19,716,566 Sub total
61,093,860
479,323 1,536 3,322 40,865 61,618,906
Dikurangi: Estimasi kerugian Less: Estimated losses
atas komitmen dan kontinjensi - on commitments and contingencies
61,618,906 31 Desember/December 2014
Halaman – 5/162– Page Bank CIMB Niaga dikendalikan oleh CIMB Group Sdn Bhd,
Malaysia. Kepemilikan minoritas dipegang dan dimiliki oleh banyak pihak. Lihat Catatan 33 untuk informasi mengenai pemegang saham utama dari CIMB Group Sdn Bhd.
Bank CIMB Niaga is controlled by CIMB Group Sdn Bhd, Malaysia. The remaining minority shares are widely held.
For information on the ultimate parent company of CIMB Group Sdn Bhd, refer to Note 33.
Sifat Hubungan Berelasi Nature of Relationship
Pihak-pihak berelasi adalah perusahaan dan perorangan yang mempunyai keterkaitan kepemilikan atau kepengurusan secara langsung maupun tidak langsung dengan Bank CIMB Niaga. Informasi Anak Perusahaan diungkapkan pada Catatan 1d. Pemegang saham pengendali dan mayoritas, induk dari pemegang saham mayoritas, dan pemegang saham akhir diungkapkan pada Catatan 33.
Related parties are companies and individuals who directly or indirectly have relationships with Bank CIMB Niaga through ownership or management. Information of Subsidiaries are disclosed in Note 1d. The controlling and majority shareholder, parent of majority shareholder, and the ultimate shareholders are disclosed in Note 33.
Pihak berelasi/
Related parties
Sifat dari hubungan/
Nature of relationship
Sifat dari transaksi/
Nature of transactions
CIMB Group Holdings Berhad Pemegang saham mayoritas/
Parent of majority shareholder
Simpanan dari nasabah; Liabilitas derivatif/Deposits from customers;
Derivative payables PT CIMB Principal Asset
Management
Dikendalikan oleh pemegang saham akhir yang sama/Controlled by same ultimate shareholder
Simpanan dari nasabah/Deposits from customers
PT CIMB Sun Life Dikendalikan oleh pemegang saham akhir
yang sama/Controlled by same ultimate shareholder
Simpanan dari nasabah/Deposits from customers
CIMB Islamic Bank Berhad Dikendalikan oleh pemegang saham akhir yang sama/Controlled by same ultimate shareholder
Simpanan dari bank lain/Deposits from other banks
CIMB Bank Berhad Dikendalikan oleh pemegang saham akhir
yang sama/Controlled by same ultimate shareholder
Simpanan dari bank lain; Pinjaman yang diterima/Deposits from other banks;
Borrowings
PT XL Axiata Tbk Dikendalikan oleh pemegang saham akhir
yang sama/Controlled by same ultimate shareholder
Simpanan dari nasabah/Deposits from customers
CIMB Bank (L) Limited Dikendalikan oleh pemegang saham akhir
yang sama/Controlled by same ultimate shareholder
Simpanan dari bank lain/Deposits from other banks
PT CIMB Securities Indonesia Dikendalikan oleh pemegang saham akhir yang sama/Controlled by same ultimate shareholder
Kredit yang diberikan; Simpanan dari nasabah/Loans; Deposits from customers
PT Niaga Manajemen Citra Dikelola oleh pejabat eksekutif Bank CIMB Niaga/Controlled by Bank CIMB Niaga’s executive officers
Beban dibayar di muka; Simpanan dari nasabah/Prepaid expenses;
Deposits from customers
PT Commerce Kapital Dikendalikan oleh pemegang saham akhir
yang sama/Controlled by same ultimate shareholder
Simpanan dari nasabah/Deposits from customers
Dana Pensiun PT Bank CIMB Niaga
Tbk Dikelola oleh pejabat eksekutif Bank CIMB
Niaga/Controlled by Bank CIMB Niaga’s executive officers
Simpanan dari nasabah/Deposits from customers
Halaman – 5/163– Page 48. TRANSAKSI DENGAN PIHAK-PIHAK BERELASI
(lanjutan) 48. RELATED PARTIES TRANSACTIONS (continued)
Sifat Hubungan Berelasi (lanjutan) Nature of Relationship (continued) Pihak berelasi/
Related parties
Sifat dari hubungan/
Nature of relationship
Sifat dari transaksi/
Nature of transactions Dewan Komisaris, Direksi, dan
Pejabat Eksekutif Bank/Board of Commissioners, Directors, and Executive Bank Officers
Manajemen Bank CIMB Niaga/Bank CIMB
Niaga’s Management Kredit yang diberikan; Simpanan dari nasabah/Loans; Deposits from customers
Transaksi dengan pihak-pihak berelasi terutama berhubungan dengan pinjam-meminjam dana dalam kegiatan normal usaha.
The related party transactions primarily related to lending and borrowing of funds in the normal course of their business.
Rincian saldo dengan pihak-pihak yang berelasi yang merupakan perusahaan asosiasi dengan Bank CIMB Niaga adalah:
The details of balances with related parties of associated parties with Bank CIMB Niaga are as follows:
30 September/ 31 Desember/
September 2015 December 2014
Aset Assets
Kredit yang diberikan Loans
- Dewan Komisaris, Direksi, dan Board of Commissioners, Directors, -
Pejabat Eksekutif Bank 71,669 72,311 and Executive Bank Officers
- Pihak yang dimiliki oleh pemegang Parties under -
saham akhir yang sama - 120,000 same ultimate shareholder
71,669 192,311
Beban dibayar di muka Prepaid expense
Parties controlled by -
- Pihak yang dikelola oleh pejabat Bank CIMB Niaga's executive
eksekutif Bank CIMB Niaga 145,112 149,793 officers
145,112 149,793
Aset lain-lain Other Assets
- Pihak yang dimiliki oleh pemegang Parties under -
saham akhir yang sama 933,205 - same ultimate shareholder
Jumlah aset yang terkait dengan Total asset associated with
pihak-pihak berelasi 1,149,986 342,104 related parties
Sebagai persentase terhadap As a percentage
jumlah aset 0.47% 0.15% to total assets
Liabilitas Liabilities
Simpanan dari nasabah Deposits from customers
- Giro Demand deposits -
- Dewan Komisaris, Direksi, dan Board of Commissioners, Directors, -
Pejabat Eksekutif Bank 22,901 30,299 and Executive Bank Officers
- Pihak yang dimiliki oleh pemegang Parties under -
saham akhir yang sama 72,686 68,745 same ultimate shareholders
Parties controlled by -
- Pihak yang dikelola oleh pejabat Bank CIMB Niaga's executive
eksekutif Bank CIMB Niaga 3,766 786 officers
- Pemegang saham mayoritas 9 10 Parent of majority shareholders -
99,362 99,840
- T abungan Saving deposits -
- Dewan Komisaris, Direksi, dan Board of Commissioners, Directors, -
Pejabat Eksekutif Bank 42,828 36,264 and Executive Bank Officers
- Pihak yang dikelola oleh pejabat Parties controlled by -
eksekutif Bank CIMB Niaga 4 111 Bank CIMB Niaga's executive officers
42,832 36,375
Halaman – 5/164– Page (lanjutan)
30 September/ 31 Desember/
September 2015 December 2014
- Deposito berjangka Time deposits -
- Dewan Komisaris, Direksi, dan Board of Commissioners, Directors, -
Pejabat Eksekutif Bank 124,223 77,463 and Executive Bank Officers
- Pihak yang dimiliki oleh pemegang Parties under -
saham akhir yang sama 28,196 55,364 same ultimate shareholders
- Pihak yang dikelola oleh pejabat Parties controlled by Bank -
eksekutif Bank CIMB Niaga 12,710 21,600 CIMB Niaga's executive officers
165,129 154,427
Simpanan dari bank lain Deposits from other banks
- Giro Demand Deposit -
- Pihak yang dimiliki oleh pemegang Parties under -
saham akhir yang sama 32,271 8,847 same ultimate shareholders
32,271 8,847
Pinjaman yang diterima Borrowing
- Pihak yang dimiliki oleh pemegang Parties under -
saham akhir yang sama 1,367,334 1,486,200 same ultimate shareholders
1,367,334 1,486,200
Jumlah liabilitas yang terkait dengan Total liabilities associated with
pihak-pihak berelasi 1,706,928 1,785,689 related parties
Sebagai persentase terhadap jumlah liabilitas 0.79% 0.87% As a percentage to total liabilities
Halaman – 5/165– Page 48. TRANSAKSI DENGAN PIHAK-PIHAK BERELASI
(lanjutan) 48. RELATED PARTIES TRANSACTIONS (continued)
Rincian transaksi dengan pihak-pihak berelasi dengan
Bank CIMB Niaga adalah: The details of transactions with related parties with Bank CIMB Niaga are as follows:
Transaksi dengan pihak-pihak berelasi dilakukan dengan kebijakan harga dan syarat normal, sebagaimana dilakukan dengan pihak yang tidak berelasi, kecuali kredit diberikan kepada karyawan Bank CIMB Niaga.
Transactions with related parties are conducted with normal pricing policy and conditions as similar with third parties, except for loans to the Bank CIMB Niaga’s employees.
2015 2014
9 bulan/ 9 bulan/
months months
Pendapatan bunga Interest Income
- Dewan Komisaris, Direksi, dan Pejabat Board of Commissioners, Directors, and -
Eksekutif Bank 6,317 7,147 Executive Bank Officers
Jumlah pendapatan bunga yang terkait dengan Total interest income associated with
pihak-pihak berelasi 6,317 7,147 related parties
Sebagai persentase terhadap jumlah
pendapatan bunga 0.04% 0.05% As a percentage to total interest income
Beban bunga Interest expense
- Dewan Komisaris, Direksi, dan Pejabat Board of Commissioners, Directors, and -
Eksekutif Bank 9,601 8,650 Executive Bank Officers
- Pihak yang dimiliki oleh pemegang saham
akhir yang sama 17,426 16,515 Parties under same ultimate shareholders -
- Pihak yang dikelola oleh pejabat eksekutif Parties controlled by Bank CIMB Niaga's -
Bank CIMB Niaga 891 18 executive officers
Jumlah beban bunga yang terkait dengan Total interest expense associated with
pihak-pihak berelasi 27,918 25,183 related parties
Sebagai persentase terhadap jumlah
beban bunga 0.34% 0.34% As a percentage to total interest expense
30 September/September
Halaman – 5/166– Page a. Kepentingan nonpengendali atas kekayaan bersih
Anak Perusahaan adalah: a. The non-controlling interest in the net assets of Subsidiaries are as follows:
b. Kepentingan nonpengendali atas laba bersih Anak Perusahaan adalah:
b. The non-controlling interest in the net income of Subsidiaries are as follows:
50. INFORMASI SEGMEN USAHA 50. OPERATING SEGMENTS INFORMATION
Bank CIMB Niaga telah menyajikan segmen operasi berdasarkan informasi yang disiapkan secara internal untuk pengambil keputusan operasional. Kebijakan akuntansi ini merupakan penerapan PSAK 5 (Revisi 2009), “Segmen Operasi”.
Bank CIMB Niaga presents operating segments based on the information that is internally provided to the chief operating decision maker. This accounting policy is due to the adoption of SFAS 5 (Revised 2009), “Operating Segments”.
Segmen operasi dilaporkan sesuai dengan laporan internal yang disiapkan untuk pengambil keputusan operasional yang bertanggung jawab untuk mengalokasikan sumber daya ke segmen tertentu dan melakukan penilaian atas performanya. Seluruh segmen operasi yang digunakan oleh Bank CIMB Niaga telah memenuhi kriteria pelaporan berdasarkan PSAK 5 (Revisi 2009).
Operating segments are reported in accordance with the internal reporting provided to the chief operating decision maker, which is responsible for allocating resources to the reportable segments and assesses its performance. All operating segments used by Bank CIMB Niaga meet the definition of a reportable segment under SFAS 5 (Revised 2009).
31 Desember/
2015 2014 December 2014
9 Bulan/ 9 Bulan/ 12 Bulan/
Months Months Months
Saldo awal 734 94,659 94,659 Beginning balance Bagian keuntungan bersih
- periode berjalan 14 1,531 1,409 Net income - current period
Pengaruh perubahan kepemilikan Effect of changes in
pada Anak Perusahaan (3) (95,515) (95,515) ownership interest of Subsidiary Cadangan lindung nilai arus kas - - 181 Cash flow hedging reserve
Saldo akhir periode kepentingan Ending balance of non-controlling
nonpengendali 745 675 734 interest 30 September/September
31 Desember/
2015 2014 December 2014
9 Bulan/ 9 Bulan/ 12 Bulan/
Months Months Months
PT CIMB Niaga Auto Finance 26 (42) (132) PT CIMB Niaga Auto Finance PT Kencana Internusa Artha Finance (12) 1,573 1,541 PT Kencana Internusa Artha Finance
14
1,531 1,409 30 September/September
Halaman – 5/167– Page
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;
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 bunga bersih 1,509,716 2,528,016 2,670,657 1,398,766 298,907 (184,125) 302,470 8,524,407 Net interest income -Pendapatan dari pihak eksternal 2,992,930 3,889,994 828,579 179,427 288,973 42,034 302,470 8,524,407 Income from external parties - -Pendapatan antar segmen (1,483,214) (1,361,978) 1,842,078 1,219,339 9,934 (226,159) - - Inter-segmen income -
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih (1,866,410) (1,378,483) (468,422) (2,165) (126,293) 10,381 (127,145) (3,958,537) non-financial assets - net Provisi dan komisi lainnya 280,950 143,150 711,619 (19,511) 23,010 326 133,351 1,272,895 Other fees and commissions Pendapatan operasional lainnya 13 27,932 98,450 186,723 6,789 383 127,743 448,033 Other operating income Beban tenaga kerja (117,995) (322,256) (893,582) (521,100) (65,543) (1,086,169) (204,456) (3,211,101) Personnel expenses Umum dan administrasi (76,036) (252,818) (1,378,987) (76,642) (47,964) (616,941) (171,013) (2,620,401) General and administrative Beban operasional lainnya (32) (149) (9,401) - (133) 4,716 - (4,999) Other operating expenses Laba operasional bersih (269,794) 745,392 730,334 966,071 88,773 (1,871,429) 60,950 450,297 Net operating income
(Beban)/pendapatan bukan Non-operating (expenses)/
operasional - bersih 1,215 (816) (18,515) 26,741 (20,352) (16,379) (44,893) (72,999) income - net Laba sebelum pajak penghasilan (268,579) 744,576 711,819 992,812 68,421 (1,887,808) 16,057 377,298 Income before income tax Beban pajak penghasilan - - - - - (127,838) 15,854 (111,984) Income tax expense Laba bersih (268,579) 744,576 711,819 992,812 68,421 (2,015,646) 31,911 265,314 Net income Kepentingan nonpengendali - - - - - (14) - (14) Non-controlling interest Jumlah aset 56,791,382 69,727,114 42,923,558 52,986,309 7,961,419 6,481,849 7,413,696 244,285,327 Total assets Jumlah liabilitas 24,620,326 61,588,020 86,857,300 27,833,739 7,928,563 838,463 6,378,850 216,045,261 Total liabilities
30 September/September 2015
Halaman – 5/168– Page 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.
Anak
Korporasi/ Bisnis/ Ritel/ Tresuri/ Syariah/ Lain-lain/ Perusahaan/ Jumlah/
Corporate Business Retail Treasury Sharia Others Subsidiaries Total
Penghasilan bunga bersih 1,645,749 3,132,319 2,567,144 3,027,471 434,195 (263,718) 146,335 10,689,495 Net interest income -Pendapatan dari pihak eksternal 3,272,309 5,433,023 959,197 404,336 428,364 45,931 146,335 10,689,495 Income from external parties - -Pendapatan antar segmen (1,626,560) (2,300,704) 1,607,947 2,623,135 5,831 (309,649) - - Inter-segmen income -
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih (1,714,013) (751,540) (488,380) 5,212 (204,963) (9,778) (302,812) (3,466,274) non-financial assets - net Provisi dan komisi lainnya 413,031 184,532 893,308 (20,862) 4,805 462 241,509 1,716,785 Other fees and commissions Pendapatan operasional lainnya 84,250 30,560 130,932 397,611 20,063 376 184,904 848,696 Other operating income Beban tenaga kerja (149,174) (399,656) (1,045,830) (60,052) (80,394) (1,328,005) (218,110) (3,281,221) Personnel expenses Umum dan administrasi (113,182) (358,817) (1,868,907) (80,574) (79,453) (734,119) (275,966) (3,511,018) General and administrative Beban operasional lainnya 659 (290) (6,363) (24) (108) (32,097) - (38,223) Other operating expenses Laba operasional bersih 167,320 1,837,108 181,904 3,268,782 94,145 (2,366,879) (224,140) 2,958,240 Net operating income
Pendapatan/(beban) bukan Non-operating income/
operasional 1,957 1,853 (11,486) (262,056) 587 546,958 (35,884) 241,929 (expenses) - net Laba sebelum pajak penghasilan 169,277 1,838,961 170,418 3,006,726 94,732 (1,819,921) (260,024) 3,200,169 Income before income tax Beban pajak penghasilan - - - - - (855,848) (481) (856,329) Income tax expense Laba bersih 169,277 1,838,961 170,418 3,006,726 94,732 (2,675,769) (260,505) 2,343,840 Net income Kepentingan nonpengendali - - - - - (1,409) - (1,409) Non-controlling interest Jumlah aset 55,739,783 70,766,477 40,077,380 43,360,993 7,307,825 7,963,560 7,946,405 233,162,423 Total assets Jumlah liabilitas 21,735,682 59,171,168 78,036,389 31,347,967 6,813,669 671,441 6,938,413 204,714,729 Total liabilities
31 Desember/December 2014
Anak
Korporasi/ Bisnis/ Ritel/ Tresuri/ Syariah/ Lain-lain/ Perusahaan/ Jumlah/
Corporate Business Retail Treasury Sharia Others Subsidiaries Total
Penghasilan bunga bersih 1,129,988 2,226,861 1,837,459 2,388,404 326,059 (192,768) 69,408 7,785,411 Net interest income -Pendapatan dari pihak eksternal 2,276,338 4,022,310 682,254 375,695 322,317 37,089 69,408 7,785,411 Income from external parties - -Pendapatan antar segmen (1,146,350) (1,795,449) 1,155,205 2,012,709 3,742 (229,857) - - Inter-segmen income -
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih (499,891) (460,553) (350,117) 4,521 (109,789) 28,588 (119,917) (1,507,158) non-financial assets - net Provisi dan komisi lainnya 308,288 134,055 682,217 (15,286) 3,760 1,301 226,528 1,340,863 Other fees and commissions Pendapatan operasional lainnya 61,475 16,886 97,248 351,403 14,390 263 138,872 680,537 Other operating income Beban tenaga kerja (113,897) (306,223) (779,065) (47,626) (60,306) (1,052,772) (161,621) (2,521,510) Personnel expenses Umum dan administrasi (85,062) (271,473) (1,341,110) (63,779) (58,292) (581,543) (200,983) (2,602,242) General and administrative Beban operasional lainnya (467) (4,368) (21,789) (454) (123) (24,192) - (51,393) Other operating expenses Laba operasional bersih 800,434 1,335,185 124,843 2,617,183 115,699 (1,821,123) (47,713) 3,124,508 Net operating income
Pendapatan/(beban) bukan Non-operating income/
operasional 1,031 2,670 (9,476) (81,133) 2,615 126,303 (30,794) 11,216 (expenses) - net Laba sebelum pajak penghasilan 801,465 1,337,855 115,367 2,536,050 118,314 (1,694,820) (78,507) 3,135,724 Income before income tax Beban pajak penghasilan - - - - - (837,311) (832) (838,143) Income tax expense Laba bersih 801,465 1,337,855 115,367 2,536,050 118,314 (2,532,131) (79,339) 2,297,581 Net income Kepentingan nonpengendali - - - - - (1,531) - (1,531) Non-controlling interest Jumlah aset 50,873,037 69,197,895 38,914,585 48,229,371 5,283,706 6,993,618 8,243,419 224,838,960 Total assets Jumlah liabilitas 22,416,953 55,733,575 77,095,588 30,840,472 4,931,787 1,098,619 7,354,376 199,471,370 Total liabilities
30 September/September 2014
Halaman – 5/169– Page
50. INFORMASI SEGMEN USAHA (lanjutan) 50. OPERATING SEGMENTS INFORMATION (continued)
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:
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 5,514,639 535,229 524,102 708,057 299,282 640,628 302,470 8,524,407 Net interest income
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih (3,022,707) (235,417) (144,248) (106,890) (82,982) (239,148) (127,145) (3,958,537) non-financial assets - net
Provisi dan komisi lainnya 900,966 59,295 49,149 57,883 23,326 48,925 133,351 1,272,895 Other fees and commissions
Pendapatan operasional lainnya 268,705 17,100 14,322 6,100 4,894 9,169 127,743 448,033 Other operating income
Beban tenaga kerja (2,372,322) (137,590) (128,863) (151,613) (76,522) (139,735) (204,456) (3,211,101) Personnel expenses
Umum dan administrasi (1,932,415) (116,211) (89,669) (117,175) (69,682) (124,236) (171,013) (2,620,401) General and administrative
Beban operasional lainnya (3,043) (472) (110) (991) (87) (296) - (4,999) Other operating expenses Laba operasional bersih (646,177) 121,934 224,683 395,371 98,229 195,307 60,950 450,297 Net operating income (Beban)/pendapatan bukan
operasional - bersih (29,925) (205) 1,846 28 97 53 (44,893) (72,999) Non-operating (expenses)/income - net Laba sebelum pajak penghasilan (676,102) 121,729 226,529 395,399 98,326 195,360 16,057 377,298 Income before income tax
Beban pajak penghasilan (127,838) - - - - - 15,854 (111,984) Income tax expense
Laba bersih (803,940) 121,729 226,529 395,399 98,326 195,360 31,911 265,314 Net income
Kepentingan nonpengendali (14) - - - - - - (14) Non-controlling interest
Jumlah aset 163,298,569 16,537,121 12,236,970 20,546,143 7,489,094 16,763,734 7,413,696 244,285,327 Total asset
Jumlah liabilitas 137,263,537 16,546,914 11,887,280 20,107,010 7,430,680 16,430,990 6,378,850 216,045,261 Total liabilities
30 September/September 2015
Halaman – 5/170– Page
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 7,707,629 547,485 555,297 731,497 284,581 716,671 146,335 10,689,495 Net interest income
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih (2,671,447) (237,537) (51,684) (44,746) (54,911) (103,137) (302,812) (3,466,274) non-financial assets - net
Provisi dan komisi lainnya 1,192,407 63,788 59,850 69,704 28,642 60,885 241,509 1,716,785 Other fees and commissions
Pendapatan operasional lainnya 602,011 11,120 14,367 22,527 2,938 10,828 184,905 848,696 Other operating income
Beban tenaga kerja (2,281,739) (160,326) (164,699) (194,086) (82,164) (180,097) (218,110) (3,281,221) Personnel expenses
Umum dan administrasi (2,534,464) (143,550) (131,374) (159,652) (88,247) (177,765) (275,966) (3,511,018) General and administrative
Beban operasional lainnya (33,257) (741) (184) (3,388) (211) (442) - (38,223) Other operating expenses Laba operasional bersih 1,981,140 80,239 281,573 421,856 90,628 326,943 (224,139) 2,958,240 Net operating income Pendapatan/(beban) bukan
operasional - bersih 277,010 692 1,885 826 922 (3,522) (35,884) 241,929 Non-operating income/(expenses) - net Laba sebelum pajak penghasilan 2,258,150 80,931 283,458 422,682 91,550 323,421 (260,023) 3,200,169 Income before income tax
Beban pajak penghasilan (855,848) - - - - - (481) (856,329) Income tax expense
Laba bersih 1,402,302 80,931 283,458 422,682 91,550 323,421 (260,504) 2,343,840 Net income
Kepentingan nonpengendali (1,409) - - - - - - (1,409) Non-controlling interest
Jumlah aset 159,830,640 12,669,199 11,524,022 18,627,444 7,247,214 15,317,500 7,946,404 233,162,423 Total asset
Jumlah liabilitas 134,477,712 12,378,119 10,991,686 18,050,025 7,274,682 14,604,092 6,938,413 204,714,729 Total liabilities
31 Desember/December 2014
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 5,727,239 388,196 383,371 505,023 205,760 506,414 69,408 7,785,411 Net interest income
Kerugian penurunan nilai atas aset Impairment losses on financial and
keuangan dan nonkeuangan - bersih (1,079,637) (150,290) (40,791) (19,003) (46,328) (51,192) (119,917) (1,507,158) non-financial assets - net
Provisi dan komisi lainnya 902,384 48,080 44,913 53,545 20,663 44,750 226,528 1,340,863 Other fees and commissions
Pendapatan operasional lainnya 509,837 7,535 8,987 6,738 2,500 6,068 138,872 680,537 Other operating income
Beban tenaga kerja (1,754,683) (123,664) (127,702) (151,662) (63,250) (138,928) (161,621) (2,521,510) Personnel expenses
Umum dan administrasi (1,878,530) (107,097) (97,654) (119,124) (65,385) (133,469) (200,983) (2,602,242) General and administrative
Beban operasional lainnya (42,164) (2,967) (936) (3,199) (1,296) (831) - (51,393) Other operating expenses Laba operasional bersih 2,384,446 59,793 170,188 272,318 52,664 232,812 (47,713) 3,124,508 Net operating income Pendapatan/(beban) bukan
operasional - bersih 39,842 1,140 1,426 561 774 (1,733) (30,794) 11,216 Non-operating income/(expenses) - net Laba sebelum pajak penghasilan 2,424,288 60,933 171,614 272,879 53,438 231,079 (78,507) 3,135,724 Income before income tax
Beban pajak penghasilan (837,311) - - - - - (832) (838,143) Income tax expense
Laba bersih 1,586,977 60,933 171,614 272,879 53,438 231,079 (79,339) 2,297,581 Net income
Kepentingan nonpengendali (1,531) - - - - - - (1,531) Non-controlling interest
Jumlah aset 155,321,295 12,495,286 11,247,348 18,451,618 7,145,626 14,831,039 8,243,419 227,735,631 Total asset
Jumlah liabilitas 129,460,256 12,259,530 10,885,957 18,044,048 7,177,732 14,289,471 7,354,376 199,471,370 Total liabilities
30 September/September 2014