PT BANK SYARIAH INDONESIA Tbk CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2022 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2022 (Expressed in millions of Rupiah, unless otherwise stated) Halaman - 142 - Page 45. INFORMASI PENTING LAINNYA (lanjutan) 45. OTHER SIGNIFICANT INFORMATION (continued) Pelampauan terjadi karena pembentukan Holding BUMN Ultra Mikro dimana PT Bank Rakyat Indonesia (Persero) Tbk (“Bank BRI”) yang merupakan salah satu pemegang saham BSI, ditetapkan oleh Pemerintah sebagai induk dari Holding tersebut dan mengakibatkan PT Permodalan Nasional Madani (Persero) dan PT Pegadaian yang merupakan nasabah PT Bank Syariah Indonesia Tbk menjadi pihak terkait BSI. Atas pelampauan tersebut, aksi yang dilakukan Bank adalah dengan menjaga portofolio penempatan dana dan pembiayaan kepada pihak terkait sehingga pada tanggal 31 Desember 2022 sudah tidak terdapat pelampauan BMPD. The excess occurred due to the formation of the Ultra Micro BUMN Holding where PT Bank Rakyat Indonesia (Persero) Tbk (“Bank BRI”) which is one of the shareholders of BSI, which was determined by the Government as the Parent of the Holding and resulted in PT Permodalan Nasional Madani (Persero) and PT Pegadaian which is a customer of PT Bank Syariah Indonesia Tbk becomes a related party to BSI. For this excess, the action taken by the Bank is to maintain the placement of funds and financing portfolios to related parties so that as at 31 December 2022, there is no BMPD exceedance. 46. INFORMASI SEGMEN 46. SEGMENT INFORMATION Pada tahun 2021, segmen operasi Bank dibagi berdasarkan beberapa segmen operasi sebagai berikut: Wholesale, SME, Konsumer, Mikro dan Lainnya. In 2021, the Bank’s operating segment is divided into several operating segments as follows: Wholesale, SME, Consumer, Micro and Others. Pada tanggal dan untuk tahun yang berakhir pada 31 Desember 2022, Bank menerapkan perubahan terhadap penyajian segmen operasi dengan tujuan untuk memberikan informasi yang lebih komprehensif. Segmen operasi Bank dibagi berdasarkan beberapa segmen operasi sebagai berikut: Corporate Banking, Commercial Banking, Hubungan Kelembagaan, Ritel dan Treasury Banking & Kantor Pusat. Dalam menentukan hasil segmen operasi, beberapa akun aset dan liabilitas serta pendapatan dan biaya diatribusikan ke masing-masing segmen berdasarkan kebijakan pelaporan internal manajemen. Komponen Internal Transfer Pricing Model diterapkan dalam perhitungan kinerja laba rugi masing-masing segmen. As at and for the year ended 31 December 2022, the Bank implemented changes to the presentation of operating segments in order to provide more comprehensive information. The Bank’s operating segment is divided based on the following operating segments: Corporate Banking, Commercial Banking, Institutional Relation, Retail and Treasury Banking & Head Office. In determining the results of operating segments, certain asset and liability accounts and revenues and expenses are attributed to each segment based on management's internal reporting policies. The components of Internal Transfer Pricing Model are applied in the calculation of profit or loss performance of each segments. Perubahan pada penyajian segmen operasi antara lain: • Pemisahan segmen Wholesale menjadi segmen Corporate Banking dan Commercial Banking. • Pengelolaan dana nasabah Kementerian, Lembaga Pemerintah, yayasan dan universitas dipindahkan ke segmen Hubungan Kelembagaan yang sebelumnya tercatat di segmen Lainnya dimigrasikan pada segmen Hubungan Kelembagaan. The changes in presentation of operating segments, including: • Separation of the Wholesale segment into Corporate Banking and Commercial Banking segments. • The management of customer funds from Ministries, Government Institutions, foundations and universities was transferred to the Institutional Relations segment, which was previously listed in the Others segment, migrating to the Institutional Relation segment. Ringkasan berikut menjelaskan operasi masingmasing segmen dalam pelaporan segmen Bank per 31 Desember 2022: The following summary describes the operations of each segment in the Bank's segment reporting as at 31 December 2022: - Corporate Banking: melayani badan usaha seperti BUMN dan anak perusahaannya, lembaga negara, perusahaan multinasional, bank dan lembaga keuangan bukan bank (termasuk modal ventura non-linkage), pembiayaan sindikasi, perusahaan terbuka, dan perusahaan sekuritas. - Corporate Banking: serves business entities such as SOEs and their subsidiaries, state institutions, multinational companies, banks and non-bank financial institutions (including nonlinkage venture capital), syndicated financing, public companies and securities companies.
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