Inorganic growth of assets through:
C. Optimalisasi fee based income untuk mendukung pencapaian target laba bank.
1. Optimalisasi pengelolaan instrumen treasury dan international banking a. Money Market b. Capital Market c. Sales, Forex, Derivatif d. Trade Finance Services e. Remittance dan Sertifikasi ISO 9001 2. Pengembangan jasa transaksi perbankan, penambahan jumlahjaringan,sertaATM. a. Optimalisasi fungsi ATM bagi nasabah melalui penambahaniturlayananATM. b. Peningkatan penjualan produk wealth management.D. Pertumbuhan aset secara anorganik, melalui:
1. AkuisisipadaPerusahaanAsuransi,Multiinance,danbank. 2. Optimalisasi kinerja Perusahaan Anak dan BPR. E. Pengembangan manajemen untuk mendukung bisnis bank yang tumbuh berkesinambungan dengan tingkat profitabilitas yang tinggi. 1. Perencanaan dan Change Management a. Menetapkan arah dan strategi Perseroan, baik jangka pendek, jangka menengah, maupun jangka panjang untuk mendukung peningkatan pertumbuhan bisnis bank bjb. b. Meningkatkan kuantitas dan kualitas riset untuk pengembangan bisnis termasuk analisis internal dan eksternal. c. Menyempurnakanstrukturorganisasibankyangefektif dan efisien dalam menunjang sasaran dan tujuan bisnis Perseroan. d. Memastikanefektivitasdaneisiensipelaksanaanproyek program kerja.e. Peningkatan kualitas performa strategi bank bjb
dengan cara me-review key performance indicator yang telah ditetapkan, serta mengimplementasikan Balanced Scorecard KPI individu. 2. PengembanganSumberDayaManusia a. Kebijakan dan pelaksanaan rekrutmen, career path, serta Job grading. b. Penerapan sistem reward dan punishment. c. Pengembangan sistem informasi terintegrasi melalui HRIS Human Resources Information System. d. Pengembangan Assessment Center. e. Program pendidikan dan pelatihan yang mendukung bisnis Bank secara teratur dan berkesinambungan dalam Training Program Academy. C. Optimization of fee-based income to support the achievement of the Bank’s profit target. 1. Optimizing the management of treasury and international banking instruments. a. MoneyMarket b. CapitalMarket c. Sales, Forex, Derivative d. Trade Finance Services e. Remittance and the Certification ISO 9001 2. Development of banking services increased the number of networks,aswellasATMs. a. OptimizationoftheATMfunctionsthroughtheaddition offeatureswithintheATMservices. b. Increased the sales of wealth management products.D. Inorganic growth of assets through:
1. Acquisition of insurance and multi-finance companies, as well as banks. 2. Optimization of the performance of subsidiaries companies and rural banks. E. The development of Management to support the business of the Bank which is growing continuously with high level of profitability. 1. PlanningandChangeManagement a. Determined the direction and strategies of the Company in the short, medium term and long term to support the increase of bank bjb’s business growth. b. Increased the quantity and quality of research for business development including internal and external analysis. c. Improved the organizational structure to become effective and efficient in supporting the targets and objectives of the Company’s business. d. Ensured the effectiveness and eficiency of projects work programs implementation. e. Improved the quality of performance of the Bank’s strategies by reviewing the key performance indicators established, as well as implemented the Balanced Scorecard KPI individual. 2. Human Resources Development a. Policies and implementation of recruitment, career path, as well as job grading. b. Implementation of the reward and punishment system. c. Development of an integrated information system through HRIS Human Resources Information System. d. Development of Assessment Centre. e. Education and training programs that regularly and continuously support the Bank’s business through the Training Program Academy. bank bjb •LaporanTahunan2013AnnualReport 61 Introduction Management Discussion Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Corporate Data Consolidated Financial Statements f. Meningkatkan kompetensi pegawai, baik di posisi manajerial maupun supporting melalui Training Program Academy. g. Menetapkan silabus program, silabus, dan anggaran pendidikan dan pelatihan melalui Soft skill Program Academy. 3. Peningkatan Layanan Operasional a. Meningkatkan dan mengembangkan kualitas layanan menjadi lebih baik, sehingga tercipta service culture yang dapat bersaing dengan standar layanan bank yang baik. b. Optimalisasi pengelolaan likuiditas. c. Percepatan laporan LLD dan SID. 4. Penerapan Manajemen Risiko dan Pelaksanaan Kepatuhan Bank a. Mengembangkanbudayasadarrisikorisk culture b. MembangunRiskManagementSystemyangmemenuhi ketentuan standar Basel III. c. Mengelolapotensirisikosecarakomprehensif. d. Mengembangkan proil risiko bank bjb secara terintegrasi untuk mempermudah kontrol. e. Memonitordanevaluasiprogramantipencucianuang dan pencegahan pendanaan terorisme. f. Melaksanakanzero fraud program 5. Peningkatan Sistem Pengawasan Internal a. MeningkatkanauditinternalsebagaiStrategic Business Partner dan memastikan optimalnya penerapan SPFAIB. b. Memberikan assurance atas terciptanya ketaatan perusahaan terhadap ketentuan internal dan kepatuhan bank terhadap ketentuan eksternal. 6. Akuntansi dan Pelaporan Keuangan a. Standardisasi penyusunan laporan keuangan yang dapat memenuhi unsur keakuratan dan tepat waktu. b. Pengembangan dan peningkatan pengelolaan data cost center secara tepat waktu dan akurat. c. Meningkatkanpenyempurnaandanpenyesuaiansistem akuntansi, ketentuan, dan sistem prosedur internal sesuai perubahan business requirement definition. d. Sentralisasi dan otomasi pelaporan pajak. 7. Hubungan dengan Investor dan Promosi a. Membangun sarana komunikasi dengan investor dan media. b. Membanguncorporate image. c. Peningkatan kualitas layanan bagi investor d. Mendukung pelaksanaan promosi pemasaran yang lebih efektif dan berkesinambungan. f. Increased employee competence, both in managerial as well as supporting positions through the Training Program Academy. g. Established program syllabus, education and training syllabus and budget through Soft Skill Program Academy. 3. Improved Operational Services a. Improved and developed better quality of services so as to create service culture that can compete with the good standards of bank services. b. Optimization of the management of liquidity. c. Acceleration of LLD and SID reports 4.TheBank’sRiskManagementandtheBank’sImplementation of Compliance a. Develop the culture of risk awareness risk culture b. Establish Risk Management System that meets the provisions of the Basel III standards. c. Comprehensively manage the potential risks. d. Develop bank bjb integrated risk profile in order to ease control. e. Monitor and evaluate anti-money laundering and combat the financing of terrorism. f. Implement zero fraud program 5. Improvement of Internal Control System a. Upgrade the internal audit as the Strategic Business Partner and ensure optimal implementation of SPFAIB. b. Provide assurance for the establishment of the Bank’s compliance to the internal regulations of the Bank and the Bank’s compliance to external regulations. 6. Accounting and Financial Reporting a. Standardization of the preparation of the financial statements to meet the elements of accuracy and timely. b. Development and improvement of data cost centre management in a timely and accurate manner. c. The increase of perfection and adjustments of the accounting systems, regulations, and internal procedures system according to the changes of the business requirement definition. d. Centralization and automation of tax reporting. 7. Investor Relations and Promotion a. Establish a means of communication with investors and the media. b. Build corporate image. c. Improve the quality of services for investors d. Support the implementation of more effective and sustainable marketing campaigns. bank bjb •LaporanTahunan2013AnnualReport 62 PLAN AND STRATEGY REVIEW TINJAUAN RENCANA DAN STRATEGI Proyeksi Rencana Bisnis 2013 Dengan dukungan program yang direncanakan secara terintegrasi dan komprehensif, Perseroan mengharapkan sejumlah hal di bawah ini bisa tercapai:1. Aset Posisi aset bank bjb di tahun 2011 sebesar Rp52,3 triliun dan
Parts
» AR BJB 2013 ARA FINAL TERAKHIR
» ASET PRODUKTIF BERMASALAH TERHADAP TOTAL ASET ASET TETAP TERHADAP MODAL 30,81
» Obligasi VII bank bjb Tahun 2011 dengan jumlah pokok obligasi
» Sumber Daya Manusia Teknologi Informasi
» Human Resources Information Technology Kualitas Layanan
» Inorganic growth of assets through:
» Collection of Third-Party Funds Credit Distribution
» Asumsi Proyeksi Keuangan AR BJB 2013 ARA FINAL TERAKHIR
» Assumption on Financial Projection
» Mengembangkan bjb Incorporated. Faktor Pendukung
» Supporting Factors Faktor Penghambat
» Constraining Factor AR BJB 2013 ARA FINAL TERAKHIR
» Melakukan pengembangan Waroeng bjb Type C. Develop the Waroeng bjb Type C.
» The continuous development of bjb Quickcash application
» Penyelamatan dan Penyelesaian terhadap Kredit Existing Rescue and Settlement of Existing Credit
» Kebijakan Open Selling Kredit Mikro Utama KMU Metode Monitoring Kualitas Kredit Mikro
» Main Micro Credit KMU Open Selling Policy Quality of Micro Credit Monitoring Method
» bank bjb juga bekerjasama dengan beberapa perguruan
» as a respond for that matter, bank bjb has formed a collecting
» for the bjb Primary fixed 1 year mortgage product, this is also
» Terhadap bank bjb Syariah To bank bjb Syariah
» Sistem Manajemen Risiko. Risk Management System.
» Evaluasi Atas Efektivitas Sistem Manajemen Risiko.
» Evaluation Of Risk Management Systems.
» Upaya Pengelolaan Risiko. The Efforts to Manage Risks.
» b Disclosure of Net Receivable Based on Economic Sector - Bank Consolidated with Subsidiary
» Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar
» Rekening Administratif Off- Selisih Aset dengan
» KewajibanLiabilities KewajibanLiabilities Market Risk Disclosure using Standardized Approach
» KewajibanLiabilities Selisih Aset dengan
» Rekening Administratif Off-Balance Selisih Aset dengan
» KewajibanLiabilities Market Risk Disclosure using Standardized Approach
» Rekening Administratif Off-Balance KewajibanLiabilities
» Asadi Budiman bank bjb’s risk profile in the fourth quarter of 2012 was low with a stable
» ≥ 8 ≤ 5 ≥ 8 ≥ 2.5 ≥ 8 ≤ 20 Mengelola hubungan kelembagaan counter party.
» Monitor the establishment of work partnerships by bank bjb and
» bjb call 14049 AR BJB 2013 ARA FINAL TERAKHIR
» Kebijakan Program Program Policy
» Pelaksanaan Kegiatan AR BJB 2013 ARA FINAL TERAKHIR
» Implementation of Activities AR BJB 2013 ARA FINAL TERAKHIR
» Dampak KeuanganBiaya dari Pelaksanaan Kegiatan.
» FinancialCost Impact of Implementation Activities. Kebijakan
» Policy Dampak KeuanganBiaya dari Pelaksanaan Kegiatan
» Kebijakan FinancialCost Impact of Implementation Activities Policy
» Dampak KeuanganBiaya dari Pelaksanaan Kegiatan FinancialCost Impact of Implementation Activities
» Kebijakan Policy AR BJB 2013 ARA FINAL TERAKHIR
» Implementation Activities AR BJB 2013 ARA FINAL TERAKHIR
» Pendirian dan informasi umum Bank
» Pendirian GENERAL INFORMATION continued
» Maksud dan tujuan GENERAL INFORMATION continued
» Purpose and objectives GENERAL INFORMATION continued
» Purpose and objectives continued
» Jaringan kantor GENERAL INFORMATION continued
» Office network GENERAL INFORMATION continued
» Manajemen eksekutif GENERAL INFORMATION continued
» Executive management GENERAL INFORMATION continued
» Manajemen eksekutif lanjutan GENERAL INFORMATION continued
» Executive management continued GENERAL INFORMATION continued
» Penawaran umum saham GENERAL INFORMATION continued
» Penawaran umum obligasi GENERAL INFORMATION continued
» Penawaran umum obligasi lanjutan
» Public offering of bonds continued
» INFORMASI UMUM lanjutan AR BJB 2013 ARA FINAL TERAKHIR
» Pendirian dan informasi umum entitas anak
» Establishment and GENERAL INFORMATION continued
» Basis of preparation of the consolidated
» Principles of consolidation SUMMARY
» Prinsip konsolidasi lanjutan SUMMARY
» Principles of consolidation continued
» Penjabaran mata uang asing lanjutan
» Aset keuangan dan liabilitas keuangan
» Giro pada Bank Indonesia dan bank lain
» Current accounts with Bank Indonesia and
» Penempatan pada Bank Indonesia dan bank
» Surat berharga lanjutan SUMMARY
» Marketable securities continued SUMMARY
» Efek-efek yang dibeli dengan janji dijual kembali Reverse Repo
» Efek-efek yang dibeli dengan janji dijual kembali Reverse Repo lanjutan
» Wesel ekspor dan tagihan lainnya
» Instrumen keuangan derivatif SUMMARY
» Derivative financial instruments SUMMARY
» Instrumen keuangan derivatif lanjutan
» Kredit yang diberikan lanjutan
» Pembiayaan syariah lanjutan SUMMARY
» Sharia financing continued Identifikasi dan
» Tagihan dan liabilitas akseptasi
» Acceptances receivable and payable
» Investments in shares SUMMARY
» Fixed assets continued SUMMARY
» Penurunan nilai aset non-keuangan dan
» Beban dibayar dimuka SUMMARY
» Obligations due immediately SUMMARY
» Deposits from customers, Sharia deposits
» Efek-efek yang dijual dengan janji untuk dibeli kembali
» Efek hutang yang diterbitkan
» Debt securities issued SUMMARY
» Efek hutang yang diterbitkan lanjutan
» Debt securities issued continued
» Pendapatan dan beban bunga lanjutan
» Interest income and expense continued
» IKHTISAR IKHTISAR SUMMARY AR BJB 2013 ARA FINAL TERAKHIR
» IKHTISAR SUMMARY AR BJB 2013 ARA FINAL TERAKHIR
» IKHTISAR AR BJB 2013 ARA FINAL TERAKHIR
» SUMMARY AR BJB 2013 ARA FINAL TERAKHIR
» PENILAIAN DAN ESTIMASI AKUNTANSI YANG
» KAS AR BJB 2013 ARA FINAL TERAKHIR
» CASH AR BJB 2013 ARA FINAL TERAKHIR
» GIRO PADA BANK INDONESIA CURRENT
» GIRO PADA BANK INDONESIA lanjutan
» CURRENT AR BJB 2013 ARA FINAL TERAKHIR
» Berdasarkan mata uang CURRENT ACCOUNTS WITH OTHER BANKS
» By currency CURRENT ACCOUNTS WITH OTHER BANKS
» GIRO PADA BANK LAIN lanjutan
» Berdasarkan hubungan Based on relationship Berdasarkan bank
» By bank CURRENT ACCOUNTS WITH OTHER BANKS
» Berdasarkan bank lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» By bank continued CURRENT ACCOUNTS WITH OTHER BANKS
» Tingkat suku bunga rata-rata per tahun
» Average interest rates per annum
» Perubahan cadangan kerugian penurunan
» Movements CURRENT ACCOUNTS WITH OTHER BANKS
» Berdasarkan kolektibilitas CURRENT ACCOUNTS WITH OTHER BANKS
» By collectibility CURRENT ACCOUNTS WITH OTHER BANKS
» Berdasarkan hubungan PENEMPATAN PADA BANK INDONESIA DAN
» Based on relationship PENEMPATAN PADA BANK INDONESIA DAN
» Berdasarkan sisa umur hingga jatuh tempo
» By remaining period until maturity
» Berdasarkan jenis dan mata uang
» Berdasarkan jenis dan nama bank
» By type and counterparty bank
» Movements PENEMPATAN PADA BANK INDONESIA DAN
» TAGIHAN DAN LIABILITAS DERIVATIF
» Berdasarkan mata uang dan jenis
» Berdasarkan hubungan DERIVATIVES RECEIVABLE AND PAYABLE
» SURAT BERHARGA AR BJB 2013 ARA FINAL TERAKHIR
» Berdasarkan jenis dan mata uang By type and currency
» Berdasarkan penerbit MARKETABLE SECURITIES
» By issuer MARKETABLE SECURITIES
» SURAT BERHARGA lanjutan AR BJB 2013 ARA FINAL TERAKHIR
» Berdasarkan penerbit lanjutan MARKETABLE SECURITIES continued
» By issuer continued MARKETABLE SECURITIES continued
» Berdasarkan jatuh tempo MARKETABLE SECURITIES continued
» By maturity MARKETABLE SECURITIES continued
» Berdasarkan efek pemerintah dan bukan
» By government MARKETABLE SECURITIES continued
» EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL KEMBALI
» MARKETABLE SECURITIES AR BJB 2013 ARA FINAL TERAKHIR
» Berdasarkan WESEL EKSPOR DAN TAGIHAN LAINNYA BILLS AND OTHER RECEIVABLES
» Berdasarkan kolektibilitas WESEL EKSPOR DAN TAGIHAN LAINNYA BILLS AND OTHER RECEIVABLES
» By collectibility WESEL EKSPOR DAN TAGIHAN LAINNYA BILLS AND OTHER RECEIVABLES
» WESEL EKSPOR AR BJB 2013 ARA FINAL TERAKHIR
» Berdasarkan KREDIT YANG DIBERIKAN LOANS
» Berdasarkan KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Berdasarkan sektor ekonomi KREDIT YANG DIBERIKAN lanjutan LOANS continued
» By economic sector KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Berdasarkan sektor ekonomi lanjutan
» By economic sector continued
» Berdasarkan periode sisa jatuh tempo
» By remaining period to maturity
» Berdasarkan jangka waktu perjanjian kredit
» By term of credit agreements
» Kisaran suku bunga KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Range of loan interest rates
» Ikhtisar KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Kredit yang direstrukturisasi Restructured loans
» Kredit yang direstrukturisasi lanjutan Restructured loans continued
» Perubahan cadangan kerugian penurunan nilai
» Movements in KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Informasi pokok KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Informasi KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Other significant information relating to loans continued
» Informasi Other significant information relating to
» Berdasarkan jenis akad By type of agreement
» Berdasarkan sektor ekonomi PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» By economic sector PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» Kisaran setara marjin dan bagi hasil
» Range of equivalent margin and profit sharing
» Ikhtisar PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» Non-performing PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» PENYERTAAN SAHAM INVESTMENTS IN SHARES
» Berdasarkan kolektibilitas PENYERTAAN SAHAM lanjutan INVESTMENTS IN SHARES continued
» By collectibility PENYERTAAN SAHAM lanjutan INVESTMENTS IN SHARES continued
» ASET TETAP lanjutan FIXED ASSETS continued
» BUNGA YANG MASIH AKAN DITERIMA INTEREST RECEIVABLES
» ASET LAIN-LAIN lanjutan OTHER ASSETS continued
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY
» SIMPANAN NASABAH DAN SIMPANAN NASABAH SYARIAH
» Simpanan nasabah DEPOSITS FROM
» Rincian deposito berjangka berdasarkan
» Details of time deposits by term
» SIMPANAN NASABAH AR BJB 2013 ARA FINAL TERAKHIR
» Berdasarkan jenis dan mata uang lanjutan
» By type and currency continued
» EFEK-EFEK YANG DIJUAL DENGAN JANJI DIBELI KEMBALI
» EFEK-EFEK YANG DIJUAL DENGAN JANJI DIBELI KEMBALI lanjutan
» Obligasi VII Bank BJB lanjutan
» Bank BJB Bonds VII continued
» Obligasi VI Bank BJB lanjutan
» PINJAMAN YANG DITERIMA BORROWINGS
» PINJAMAN YANG DITERIMA lanjutan BORROWINGS continued
» Hutang pajak PAJAK PENGHASILAN INCOME TAX
» Taxes payable PAJAK PENGHASILAN INCOME TAX
» Manfaat beban pajak PAJAK PENGHASILAN lanjutan INCOME TAX continued
» Tax benefit expense PAJAK PENGHASILAN lanjutan INCOME TAX continued
» Aset pajak tangguhan - neto Deferred tax assets - net
» Aset pajak tangguhan lanjutan
» Deferred tax assets continued
» Surat ketetapan pajak PAJAK PENGHASILAN lanjutan INCOME TAX continued
» Tax assessment letters PAJAK PENGHASILAN lanjutan INCOME TAX continued
» Perubahan Tarif pajak PAJAK PENGHASILAN lanjutan INCOME TAX continued
» Perubahan Tarif pajak lanjutan
» Changes in Tax rate continued
» BUNGA YANG MASIH HARUS DIBAYAR INTEREST PAYABLE
» LIABILITAS LAIN-LAIN AR BJB 2013 ARA FINAL TERAKHIR
» Tingkat bagi hasil Deposito Mudharabah
» Profit sharing from Mudharabah Deposits
» MODAL SAHAM lanjutan SHARE CAPITAL continued
» TAMBAHAN MODAL DISETOR ADDITIONAL PAID IN CAPITAL
» OTHER PAID-UP CAPITAL AR BJB 2013 ARA FINAL TERAKHIR
» PENGGUNAAN LABA DISTRIBUTIONS OF INCOME
» PENDAPATAN BUNGA DAN SYARIAH INTEREST AND SHARIA INCOME
» BEBAN BUNGA DAN BAGI HASIL SYARIAH INTEREST EXPENSE AND SHARIA PROFIT
» PENDAPATAN OPERASIONAL LAINNYA OTHER OPERATING INCOME
» BEBAN OPERASIONAL LAINNYA OTHER OPERATING EXPENSES
» BEBAN OPERASIONAL LAINNYA lanjutan OTHER OPERATING EXPENSES continued
» PENDAPATANBEBAN NON-OPERASIONAL NON-OPERATING INCOMEEXPENSES
» KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
» ASET KEUANGAN AR BJB 2013 ARA FINAL TERAKHIR
» IMBALAN KERJA lanjutan EMPLOYEE BENEFITS continued
» LABA PER SAHAM DASAR BASIC EARNINGS PER SHARE
» TRANSAKSI DENGAN PIHAK-PIHAK BERELASI RELATED PARTY TRANSACTIONS
» TRANSAKSI DENGAN PIHAK-PIHAK BERELASI lanjutan
» RELATED PARTY TRANSACTIONS continued
» KEPENTINGAN NON-PENGENDALI NON-CONTROLLING INTEREST
» INFORMASI SEGMEN USAHA SEGMENT INFORMATION
» INFORMASI SEGMEN USAHA lanjutan SEGMENT INFORMATION continued
» RISIKO KREDIT lanjutan CREDIT RISK continued
» RISIKO NILAI TUKAR FOREIGN EXCHANGE RISK
» RISIKO NILAI TUKAR lanjutan FOREIGN EXCHANGE RISK continued
» RISIKO LIKUIDITAS LIQUIDITY RISK
» RISIKO LIKUIDITAS lanjutan LIQUIDITY RISK continued
» RISIKO SUKU BUNGA INTEREST RATE RISK
» RISIKO SUKU BUNGA lanjutan INTEREST RATE RISK continued
» RISIKO OPERASIONAL OPERATIONAL RISK
» RISIKO OPERASIONAL lanjutan OPERATIONAL RISK continued
» ASET DAN AR BJB 2013 ARA FINAL TERAKHIR
» MONETARY ASSETS AR BJB 2013 ARA FINAL TERAKHIR
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM
» CAPITAL MANAGEMENT AR BJB 2013 ARA FINAL TERAKHIR
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM lanjutan
» MANAJEMEN RISIKO RISK MANAGEMENT
» Risiko hukum MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Legal risks MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Risiko reputasi MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Reputational risks MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Risiko strategis MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Strategic risks MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Risiko kepatuhan MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Compliance risks MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» JAMINAN PEMERINTAH AR BJB 2013 ARA FINAL TERAKHIR
» GOVERNMENT GUARANTEE FOR PAYMENT LIABILITY OF COMMERCIAL BANKS
» Perjanjian penyelenggaraan PERIKATAN-PERIKATAN YANG SIGNIFIKAN SIGNIFICANT AGREEMENTS
» Joint Automatic Teller Machine “ATM” agreement
» Perjanjian penyediaan layanan operasional terminal ATM, CDM dan Drive Thru
» ATM, CDM PERIKATAN-PERIKATAN YANG SIGNIFIKAN SIGNIFICANT AGREEMENTS
» PERIKATAN-PERIKATAN YANG AR BJB 2013 ARA FINAL TERAKHIR
» Memorandum of Understanding MoU and Cooperation Agreements with several state-
» PERIKATAN-PERIKATAN YANG PERIKATAN-PERIKATAN YANG PERISTIWA SETELAH TANGGAL LAPORAN KEUANGAN
» SUBSEQUENT EVENT AR BJB 2013 ARA FINAL TERAKHIR
» PERNYATAAN STANDAR AR BJB 2013 ARA FINAL TERAKHIR
» REVISED AND AR BJB 2013 ARA FINAL TERAKHIR
» 2015 AR BJB 2013 ARA FINAL TERAKHIR
» PENYELESAIAN LAPORAN AR BJB 2013 ARA FINAL TERAKHIR
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