Laporan Tahunan 2021

PT BANK SYARIAH INDONESIA Tbk (d/h /previously PT Bank BRISyariah Tbk) CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2021 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2021 (Expressed in millions of Rupiah, unless otherwise stated) Halaman - 149 - Page 46. INFORMASI SEGMEN 46. SEGMENT INFORMATION Segmen operasi PT Bank Syariah Indonesia Tbk dibagi berdasarkan beberapa segmen operasi sebagai berikut: Wholesale , SME, Konsumer, Mikro dan Lainnya. Dalam menentukan hasil segmen operasi, beberapa akun aset dan liabilitas dan pendapatan dan biaya yang terkait diatribusikan ke masing-masing segmen berdasarkan kebijakan pelaporan internal manajemen. Ringkasan berikut menjelaskan operasi masing-masing segmen dalam pelaporan segmen Bank: PT Bank Syariah Indonesia Tbk's operating segment is divided into several operating segments as follows: Wholesale, SME, Consumer, Micro and Other. In determining the results of the operating segment, several asset and liability accounts and related revenues and costs are attributed to each segment based on management's internal reporting policy. The following summary describes the operations of each segment in the Bank’s segment reporting: - Wholesale : Segmen Wholesale PT Bank Syariah Indonesia Tbk melayani badan usaha seperti BUMN dan anak perusahaannya, BUMD dan anak Perusahaannya, Lembaga Negara, Multinational Company , Bank dan Lembaga Keuangan Bukan Bank (termasuk Modal Ventura non linkage ), Pembiayaan sindikasi, Perusahaan Terbuka, Pemerintah Daerah, Rumah Sakit, Perguruan Tinggi Negeri dan Swasta, Surat Berharga. - Wholesale: PT Bank Syariah Indonesia Tbk Wholesale segment serves business entities such as BUMN and its subsidiaries, BUMD and its subsidiaries, State Institutions, Multinational Companies, Banks and Non- Bank Financial Institutions (including non- linkage Venture Capital), Syndicated Financing, Public Companies, Regional Governments, Hospitals, State and Private Universities, Securities. - SME: Segmen SME melayani pembiayaan produktif kepada kepada badan usaha swasta berbentuk Badan Hukum dan Non Badan Hukum, Pendidikan Dasar & Menengah, klinik, kepada/melalui koperasi, pola linkage , dan/atau inti plasma. - SME: The SME Segment serves productive financing to private business entities in the form of Legal Entities and Non Legal Entities, Primary & Secondary Education, clinics, to/through cooperatives, linkage patterns, and/or plasma nuclei. - Konsumer: Segmen Konsumer saat ini difokuskan untuk tujuan konsumtif/multiguna (antara lain produk Griya, Multiguna, Kendaraan, Pensiunan, Kartu Pembiayaan, Cicil emas dan Gadai Emas, pembiayaan program pemerintah). - Consumer: The Consumer segment is currently focused on consumptive/ multipurpose purposes (among others Griya products, Multipurpose, Vehicles, Pensioners, Financing Cards, Gold Installments and Gold Pawning, government program financing). - Mikro: Segmen mikro ditujukan untuk melayani nasabah individual dan pengusaha mikro, termasuk di dalamnya adalah penyaluran pembiayaan bersubsidi untuk mendukung program pemerintah dalam memberdayakan usaha masyarakat. Serta produk simpanan dan layanan perbankan lainnya bagi kebutuhan masing-masing nasabah. - Micro: The micro segment is intended to serve individual customers and micro entrepreneurs, including the distribution of subsidized financing to support government programs in empowering community businesses. As well as deposit products and other banking services for the needs of each customer. - Lainnya: Segmen lainnya meliputi produk- produk diluar pembiayaan, produk simpanan dan non-simpanan. - Others: Other segments include products outside of financing, savings and non-deposit products. Kinerja diukur berdasarkan laba segmen sebelum pajak penghasilan, sebagaimana dilaporkan dalam laporan internal manajemen yang di- review oleh Manajemen Bank. Keuntungan segmen digunakan untuk mengukur kinerja dimana manajemen berkeyakinan bahwa informasi tersebut paling relevan dalam mengevaluasi hasil segmen tersebut relatif terhadap entitas lain yang beroperasi dalam industri tersebut. Performance is measured based on segment profit before income tax, as reported in an internal management report reviewed by Bank Management. Segment profit is used to measure performance where management believes that the information is most relevant in evaluating the results of the segment relative to other entities operating in the industry. *) Disajikan kembali, lihat Catatan 53 *) Restated, see Note 53