The Formation of Work Unit
b. Proses Tata Kelola Terintegrasi
1. nilai-nilai yang mencerminkan kekuatan aspek proses Tata Kelola Terintegrasi Konglomerasi Keuangan adalah : • Direksi entitas utama memberikan arahan terhadap penyusunan pedoman Tata Kelola Terintegrasi. • Direksi entitas utama telah menyampaikan pedoman Tata Kelola Terintegrasi lcepada Direksi anggota Konglomerasi Keuangan • Dewan Komisaris entitas utama menyelenggarakan rapat Dewan Komisaris entitas utama dalam rangka membahas pelaksanaan Tata Kelola Terintegrasi serta penyusunan pedoman Tata Kelola Terintegrasi. • Dewan Komisaris entitas utama melakukan pengawasan atas pelaksanaan tugas dan tanggung jawab Direksi entitas utama dengan memberikan masukan terhadap pedoman Tata Kelola Terintegrasi yang sedang disusun. • Komite Dewan Komisaris entitas utama menyelenggarakan rapat Komite untuk membahas pelaksanaan Tata Kelola Terintegrasi dan penyusunan pedoman Tata Kelola Terintegrasi. • pelaksanaan pemantauan fungsi kepatuhan dan penerapan manajemen risiko pada Lembaga Jasa Keuangan dalam Konglomerasi Keuangan telah dilaksanakan melalui kegiatan focus discussion grup. • pelaksanaan proses Tata Kelola Terintegrasi oleh entitas utama dan Lembaga Jasa Keuangan mengacu pada pedoman Tata Kelola Terintegrasic. Hasil Tata Kelola Terintegrasi
1. nilai-nilai yang mencerminkan kekuatan aspek proses Tata Kelola Terintegrasi Konglomerasi Keuangan adalah : • pedoman Tata Kelola Terintegrasi telah dilakukan penyesuaian sesuai dengan arahan Dewan Komisaris entitas utama. • Direksi entitas utama mampu menumbuhkan pemahaman terkait pelaksanaan Tata Kelola Terintegrasi kepada anggota Konglomerasi Keuangan. • Satuan Kerja Manajemen risiko Terintegrasi telah menyusun profil risiko terintegrasi serta telah mengkomunikasikan kepada seluruh anggota konglomerasi keuangan bank bjb. • Direksi anggota Konglomerasi Keuangan telah mengetahui rancangan pedoman Tata Kelola Terintegrasi dalam rangka pelaksanaan Tata Kelola Terintegrasi. analysis conclusion: Based on an analysis of indicators on all assessment factors on the implementation of Integrated Governance, it can be concluded that:a. integrated Governance structure
1. Values that reflects the strength of Financial Conglomerate Integrated Governance structure are: • Directors of the Main entity have passed the fit and proper test conducted by the Financial Services authority, thus fulfilling the requirements of integrity, competency and financial reputation that must be owned by Directors of the Main entity. • Commissioners of the Main entity have passed the fit and proper test conducted by the Financial Services authority, thus fulfilling the requirements of integrity, competency, and financial reputation that must be owned Commissioners of the Main entity. • The Main entity has formed the Integrated Governance Committee chaired by an Independent Commissioner and independent parties. • The Main entity has formed Internal audit, unit Compliance unit, and risk Management unit that support the implementation of Integrated Governance with competent and independent human resources. • The Main entity has established Integrated Governance policy, which will be set in the Financial Conglomerate. • The Main entity has established Integrated risk Management policy in order to fulfill the Main entity’s obligations related to the preparation of policies, procedures and risk Limit on Financial Conglomerate. • The Main entity has established Standard operating procedures for reporting Integrated Capital adequacy and methodology as well as the weight of Integrated risk profile of Intra-Group Transactions. • The Main entity has formed Integrated risk Management Committee, chaired by the Director of Compliance and risk Management of Main entity.b. integrated Governance Process
1. Values that reflects the strength of Financial Conglomerate Integrated Governance process are: • Directors of Main entity provided direction to the preparation of Integrated Governance Guidelines. • Directors of Main entity has submitted Governance Guidelines to the Directors of Financial Conglomeration members • Commissioners of Main entity held meetings in order to discuss the implementation of Integrated Governance and preparation of Integrated Governance Guidelines. • Commissioners of Main entity supervised the implementation of tasks and responsibilities of the Directors of Main entity by providing inputs to the Integrated Governance Guidelines that are being drafted. • The Committee of Main entity’s Board of Commissioners held meetings to discuss the implementation of Integrated Governance and preparation of Integrated Governance Guidelines. • The monitoring on compliance and risk management at the Financial Services Institution in the Financial Conglomeration has been carried out through focus group discussion activity. • The implementation of Integrated Governance process by Main entity and Financial Services Institution referred to the Integrated Governance Guidelinesc. integrated Governance results
1. nilai-nilai yang mencerminkan kekuatan aspek proses Tata Kelola Terintegrasi Konglomerasi Keuangan adalah : • Integrated Governance Guidelines has been adjusted in accordance with direction from the Board of Commissioners of the Main entity. • Directors of the Main entity were able to foster understanding concerning the implementation of Integrated Governance to the members of the Financial Conglomerate. • Integrated risk Management unit has developed an integrated risk profile and has communicated to all members of the financial conglomeration of bank bjb. • Directors of Financial conglomeration members have acknowledged the draft of Integrated Governance Guidelines for the implementation of Integrated Governance. PENERAPAN TATA KELOLA TERINTEGRASI inTegRaTeD goveRnance iMPleMenTaTion annual report 2016 573 Growing Together with new expanding opportunities inTeRnal auDiT uniT UNIT AUDIT INTERNAL Unit Audit Internal di Perseroan dijalankan oleh Divisi Audit Internal DAI. Divisi Audit Internal DAI merupakan bagian dari struktur pengendalian internal dan merupakan seluruh bentuk kegiatan yang berhubungan dengan audit dan pelaporan hasil audit mengenai terselenggaranya struktur pengendalian secara terkoordinasi dalam setiap tingkatan manajemen Bank. Transparansi dan kejelasan merupakan suatu hal yang sangat penting dalam pengelolaan Bank, sehingga wewenang dan independensi DAI perlu dinyatakan dalam dokumen tertulis dari Direktur Utama Bank dengan persetujuan Dewan Komisaris Bank, yang disebut dengan Piagam Audit Internal. DAI berfungsi membantu Direktur Utama dan Dewan Komisaris melalui aktivitas assurance dan consulting yang independen dan objektif, sekaligus menjadi mitra manajemen dalam mewujudkan implementasi struktur pengendalian internal, manajemen risiko, dan tata kelola di lingkungan Perseroan, serta berperan memberikan nilai tambah bagi Perseroan. VISI DAN MISI Visi audit internal Bank adalah menjadi strategic partner yang andal, independen, objektif, tanggap, dan terpercaya untuk mendukung tugas Direksi dalam usaha mencapai sasaran serta menjaga nama baik Bank. Misi audit internal Bank adalah menjalankan fungsi audit dalam mendukung tercapainya tujuan Bank yang sehat, berkembang secara wajar, dan dapat menunjang perekonomian nasional dengan meningkatkan taraf hidup masyarakat. TUGAS DAN TANGGUNG JAWAB DIVISI AUDIT INTERNAL Adapun tugas dan tanggung jawab Divisi Audit Internal adalah sebagai berikut: 1. Mendesain, mengembangkan dan menerapkan strategi Audit Internal, sesuai dengan ekspektasi manajemen dan ketentuan perundang-undangan internal maupun eksternal serta mengacu kepada best practice. 2. Merekomendasikan mekanisme dan langkah-langkah kontrol yang efektif sebagai pencegahan dan koreksi dari perkembangan yang tidak diinginkan. 3. Melakukan dan menyediakan hasil analisa, rekomendasi, nasihat dan informasi mengenai aktivitas yang sedang dikaji serta memberikan rekomendasi bagi perbaikan kebijakan, prosedur, manual, sistem dan penggunaan sumber daya. The Company’s Internal Audit Unit is carried out by the Internal Audit Division IAD. Internal Audit Division IAD is part of an internal control structure and includes all forms of activities relating to auditing and reports from the audit on the implementation of a coordinated control structure at every level of within the Bank management. Transparency and clarity is crucial in managing a Bank, as such that the authority and independency of Internal Audit Unit needs to be stated in a written document by the Bank’s President Director with approval from the Board of Commissioners, known as the Internal Audit Charter. IAD helps the President Director and Board of Commissioners with its assurance and consulting activities that are independent and objective, acts as management partner in realizing the implementation of internal control structure, risk management, and governance within the Company, and sets to contribute added values to the Company. VISION AND MISSION The vision of Internal Audit is to become a strategic partner that is reliable, independent, objective, responsive, and trusted to support the Directors’ work in order to achieve the Company’s goals and to maintain the Bank’s reputation. The Mission of internal audit is to carry out function of auditing to promote the achievement of healthy goal, develop reasonably, and be able to support national economy by improving level of people’s lives. DUTIES AND RESPONSIBILITIES OF INTERNAL AUDIT DIVISION Duties and responsibilities of Internal Audit Division are as follows: 1. To design, develop, and implement Internal Audit strategies, in accordance with management’s expectations and internal and external statutory provisions, and refer to best practice. 2. To recommend mechanism and effective control measures as a prevention and correction against undesirable developments. 3. To perform and provide the results of analysis, recommendations, advice, and information on all activities under review and provide recommendations to improve policies, procedures, manuals, systems, and the use of resources.Parts
» bjb Kredit Modal Kerja Kepada Pengembang
» bjb Kredit Modal Kerja Konstruksi
» bjb Kredit Modal Kerja Kepada Lembaga Pembiayaan
» bjb Kredit Modal Kerja Resi Gudang
» bjb Working Capital Loan To Developer
» bjb Construction Working Capital Loan
» bjb Working Capital Loan to Financing Institution
» bjb Warehouse Receipt Working Capital Loan
» bjb Multifinance Payment: Layanan Pembayaran
» bjb Hospital Payment: Layanan Pembayaran Tagihan
» bjb e-Ticket: Layanan Pembayaran Tiket Kereta Api dan
» bjb Pickup and Delivery Service Pick-Up and Delivery Service merupakan layanan bjb cash
» bjb E-Tax bjb Retribusi Perizinan: Layanan Pembayaran Retribusi
» bjb Payroll Service bjb Retribusi Perizinan: Layanan Pembayaran Retribusi
» bjb Payment Service bjb Retribusi Perizinan: Layanan Pembayaran Retribusi
» bjb Edupay: Education Fee Payment Service b. bjb Water Bills: Water Bill Payment Services
» bjb Multifinance Payment: Multifinance Installment
» bjb Pickup and Delivery Service Pick-Up and Delivery Service is a bjb cash management
» Nama Penghargaan | Award Nama Penghargaan | Award
» UMKM Strategi pemasaran kredit UMKM antara lain meliputi:
» Fokus market pada bjb KPR Primary melalui Pengembang kerjasama dan bjb KPR Sejahtera FLPP
» Fokus market pada bjb KPR Secondary melalui
» Fokus market pada bjb KKB Karyawan d. Fokus market pada profesi Fixed Income dan
» UMKM The marketing strategy of SME credit include the
» Market focus on bjb KPR Primary through cooperation developer and bjb KPR Sejahtera FLPP
» Market Focus on bjb Secondary through Brokerage
» Pricing Strategy Market Focus on bjb KKB Employees d. Market focus on Fixed Income profession and
» Aktivitas Pemasaran secara Terpadu
» INSTITUTIONAL BANKING To improve brand awareness of bjb bank money
» bjb Kredit Purna Bhakti Pembiayaan yang diberikan oleh bank bjb untuk debitur
» bjb Kredit Guna Bhakti Pola Channeling
» bjb Credit Card kartu kredit hasil kolaborasi antara bank bjb dan BNI yang bjb Kredit Guna Bhakti
» bjb Kredit Abdi Bhakti Loan facility specifically granted to employees of bank bjb.
» bjb Kredit Purna Bhakti Financing granted by bank bjb to debtor with early
» bjb Credit Card A credit card as a result of collaboration between bank bjb
» Program bjb Purna Bahagia 8. Program Mengulang Setia
» bjb Purna Bahagia Program 8. Mengulang Setia Program
» Short-Term Loan FA AR BJB 2016 lowress
» Supply Chain Financing FA AR BJB 2016 lowress
» 1,565,744 FA AR BJB 2016 lowress
» 82.00 FA AR BJB 2016 lowress
» 92.33 FA AR BJB 2016 lowress
» 113.01 FA AR BJB 2016 lowress
» bjb precious Rasuna Said 3. bjb precious Serang
» bjb precious Cirebon 5. bjb precious Tasikmalaya
» bjb precious Bogor 7. bjb precious Bekasi
» bjb precious Kelapa Gading 9. bjb precious Tangerang
» bjb precious Semarang 11. bjb precious Surabaya
» bjb precious Bandung 2. bjb precious Rasuna Said
» bjb precious Serang 4. bjb precious Cirebon
» bjb precious Tasikmalaya 6. bjb precious Bogor
» bjb precious Bekasi 8. bjb precious Kelapa-Gading
» bjb precious Tangerang 10. bjb precious Semarang
» bjb precious Surabaya Community marketing for savings, namely bank bjb
» Gratis majalah bjb precious; 7. Customer gathering;
» Penyelenggaraan program Weekend Get Way nsabah bjb
» Airport lounge, by showing bjb precious membership
» Free bjb precious magazine 7. Customer gathering;
» bjb precious customer Weekend Getaway program.
» Memenuhi kebutuhan SDM bjb precious baik dari segi
» Memberikan fasilitas member bjb precious kepada kepala
» Standardize Waperd and AAJI certification for bjb precious
» Provide bjb precious member facility to Regional Heads
» Improvement Program of Wealth Management Portfolio
» Programs to increase Wealth Management Portfolio
» Launching Aplikasi bjb quickcash dengan solusi Host to Host
» The launching of bjb quick cash application with Host
» Plan and Strategy In accordance with bank bjb management policy for 2017,
» To perform on-the-spot training periodically to bank bjb
» bjb E-Samsat FA AR BJB 2016 lowress
» bjb Retribusi Perizinan FA AR BJB 2016 lowress
» Giro Corporate Berhadiah Langsung Giro Surplus
» Giro Special Rate FA AR BJB 2016 lowress
» E-Banking diharapkan dapat meningkatkan laba bank bjb
» Surplus Giro FA AR BJB 2016 lowress
» Special Rate Giro FA AR BJB 2016 lowress
» Bank bjb shall promote undertaking information technology
» It is also expected to boost bank bjb earnings from banking
» Bank bjb shall increase Strategic Alliance cooperation with
» Bank bjb will add and expand collaboration with central
» 18.40 FA AR BJB 2016 lowress
» -0.34 FA AR BJB 2016 lowress
» Program bjb BiSA sebagai layanan keuangan tanpa kantor
» Perluasan kerjasama antara bank bjb dengan beberapa
» Mempertahankan Momentum Pertumbuhan Kredit Berkualitas Quality Growth
» Maintaining Growth Momentum of Quality Credit Quality Growth
» Pengelolaan Likuiditas dengan Memprioritaskan Peningkatan CASA Melalui Pendekatan Bisnis Human
» Mendorong Pertumbuhan Fee Based Income Untuk Meningkatkan Kontribusi dari Pendapatan Non Bunga
» Menjadikan bank bjb sebagai pilihan bagi bank
» Boosting Fee-Based Income to Increase Contribution from Non-Interest Income
» Pengendalian Kualitas Aktiva Produktif dan Percepatan Recovery Kredit Hapus Buku Melalui
» Mendorong Pertumbuhan Aset Melalui Inisiasi bjb holding
» Developing the Growth of Assets Through the Initiation of bjb holding
» Strengthening of the Organization Structure With Support of Professional Human Resources
» The implementation of bjb’s culture through the initiation of bjb’s transformation
» Penguatan Permodalan Bank Untuk Ketahanan Kelembagaan dan Meningkatkan Daya Saing Melalui
» Penguatan Struktur Organisasi dengan Dukungan SDM Yang Profesional
» Implementasi bjb culture sebagai inisiasi transformasi bjb
» Membentuk insan bank bjb menjadi knowledge
» Meningkatkan Peran Unit Kerja Non Bisnis Untuk Mendukung Akselarasi Pertumbuhan Bisnis Yang
» Strengthening of Information Technology Towards Digital Banking and Integrated Payment System
» 76,068,471 FA AR BJB 2016 lowress
» TOTal liabiliTY FA AR BJB 2016 lowress
» 7,757,218 FA AR BJB 2016 lowress
» TOTal eQUiTY FA AR BJB 2016 lowress
» Penggunaan Dana FA AR BJB 2016 lowress
» Fund Raising Fund Utilization
» Profit Before Tax FA AR BJB 2016 lowress
» Laba Sebelum Pajak FA AR BJB 2016 lowress
» Penghimpunan Dana Pihak Ketiga Dana Pihak ketiga bank bjb pada tahun 2015 sebesar
» Penyaluran Kredit Posisi kredit bank bjb pada tahun 2015 sebesar Rp55,29
» Assets FA AR BJB 2016 lowress
» Third Party Fund Raising Third Party Fund in bjb bank in 2015 was at Rp62.7 trillion
» Based on such Law, bank bjb as
» employee award Giving program bjb award program
» Optimalisasi fungsi Cares dan bjb club 2. Implementasi Employee Value Proposition
» Cares and bjb club Optimization 2. Employee Value Proposition Implementation
» Implementasi Aplikasi bjb Prestasiku yang
» bjb Prestasiku Application Integrated with HR
» Creative Program and Inovative bjb Better Award 3. Culture Coaching and Mentoring
» Bank bjb employee ID Card Development
» Continue developing bjb Digi; 4. Continue developing Internet Banking Corporate;
» bjb Digi. bank bjb also cooperates with some universities to provide
» Struktur Organisasi bank bjb direviu setiap tahun
» Organizational Structure of bank bjb is reviewed every year.
» Membangun integritas insan bank bjb melalui pengelolaan
» Build the integrity of the humans of bank bjb through
» Faktor-faktor negatif aspek governance process bank bjb adalah:
» GOVERNANCE OUTCOME 1. Faktor-faktor positif aspek governance outcome bank bjb adalah:
» Faktor-faktor negatif aspek governance outcome bank bjb adalah:
» pembahasan penyertaan modal kepada bank bjb syariah. 2. Lain-lainnya.
» Discussion equity participation bjb sharia bank. 2. others
» evaluasi Kinerja bank bjb 2. Lain-lainnya.
» performance evaluation bank bjb 2. others
» evaluasi pedoman Kerja Dewan Komisaris bank bjb 2. Lain-lainnya.
» evaluation Work Guidelines BoC bank bjb 2. others
» pembahasan Laporan Komite audit bank bjb 2. Lain-lainnya.
» Discussion bank audit Committee report bjb 2. others
» pembahasan pengisian posisi Komisaris utama bank bjb 2. Lain-lain.
» Discussion Filling Commissioner position bank bjb 2. others
» Discussion adjustments bank bjb
» Discussion revision bank bjb
» pembahasan Kinerja bank bjb 3. Lain-lainnya
» Persetujuan Penyesuaian Rencana Bisnis bank bjb Tahun
» Approval of bank bjb Adjustment Business Plan Year 2016-
» Approval of Auditor Services Provider bjb bank Financial
» Seluruh anggota Dewan Komisaris bank bjb tidak saling
» All members of the Board of Commissioners bank bjb not having
» Kinerja Keuangan bank bjb posisi per 25 Februari 2016. 2. Tingkat Kesehatan Bank TKB bank bjb.
» Financial performance of bank bjb per February 25, 2016. 2. Bank Soundness Level TKB of bank bjb.
» Kinerja Keuangan bank bjb posisi 18 april 2016. 2. Kepegawaian
» revaluasi asset bank bjb. 1. Financial performance of bank bjb per april 18, 2016.
» pembahasan revisi rBB bank bjb 2. penyesuaian Struktur organisasi bank bjb
» Evaluate and analyze bank bjb risk profile report quarterly
» Membahas kinerja perusahaan anak bank bjb Syariah dan
» bank bjb’s liquidity condition.
» Pembentukan Komite Tata Kelola Terintegrasi
» Pembentukan Komite Manajemen Risiko Terintegrasi
» Penyusunan Pedoman Tata Kelola Terintegrasi
» The Formation of Integrated Governance Committee
» The Formation of Integrated Risk Management Committee
» Preparation of Integrated Governance Guideline
» Penyusunan Kebijakan dan Pedoman Manajemen Risiko Terintegrasi
» Penyusunan Laporan Pelaksanaan Tata Kelola Terintegrasi
» Preparation of Policy and Guideline of Integrated Risk Management
» Preparation of Integrated Governance Implementation Report
» Proses Tata Kelola Terintegrasi
» Hasil Tata Kelola Terintegrasi
» integrated Governance structure FA AR BJB 2016 lowress
» integrated Governance Process FA AR BJB 2016 lowress
» integrated Governance results FA AR BJB 2016 lowress
» Organisasi bank bjb, termasuk kecukupan sumber daya
» bank bjb organization, including sufficient human resources
» agus debitur bank bjb Cabang Garut kepada bank bjb Cabang Garut
» Etika kerja sesama insan bank bjb b. Menjaga kerahasiaan data dan informasi perusahaan
» The work ethic among bjb employees b. Maintaining confidentiality of Company’s data, and
» 1.1 2 FA AR BJB 2016 lowress
» 2.1 amandemen anggaran Dasar FA AR BJB 2016 lowress
» 2.3 3 3.1 FA AR BJB 2016 lowress
» 3.2 3.3 FA AR BJB 2016 lowress
» 3.19 4 FA AR BJB 2016 lowress
» 1 Saham dan hak suara 1.1 1.2 2
» 2.1 2.2 2.3 2.4 2.5 FA AR BJB 2016 lowress
» 2.7 3 FA AR BJB 2016 lowress
» 4 Transaksi dengan pihak berelasi 4.1 4.2 4.3 4.4 5
» 5.1 5.2 FA AR BJB 2016 lowress
» 1.13 2 FA AR BJB 2016 lowress
» 2.1 3 3.1 FA AR BJB 2016 lowress
» 3.5 4 FA AR BJB 2016 lowress
» 4.1 4.2 FA AR BJB 2016 lowress
» 1 1.1 1.2 FA AR BJB 2016 lowress
» 1.3 2 Code of Ethics or Conduct
» 2.1 2.2 FA AR BJB 2016 lowress
» 2.4 3 FA AR BJB 2016 lowress
» 4 Struktur dan Komposisi Dewan Komisaris dan Direksi
» 5 Ketrampilan dan Kompetensi FA AR BJB 2016 lowress
» 6 Komisaris utama FA AR BJB 2016 lowress
» 6.1 6.2 FA AR BJB 2016 lowress
» 6.5 7 FA AR BJB 2016 lowress
» 7.5 8 FA AR BJB 2016 lowress
» 10 akses Informasi FA AR BJB 2016 lowress
» 11 Komite nominasi FA AR BJB 2016 lowress
» 11.1 perusahaan memiliki Komite nominasi
» 13 pemilihan Direksi dan Kinerja
» 15 penilaian Kinerja Dewan Komisaris dan Direksi secara individu
» 17 Komite remunerasiKompensasiremuneration Committee FA AR BJB 2016 lowress
» 19.1 perusahaan memiliki Komite audit
» 2 2.1 b FA AR BJB 2016 lowress
» 1 Kompetensi dan Keberagaman Dewan Komisaris dan Direksi
» 1.1 b FA AR BJB 2016 lowress
» 2 Komite nominasi FA AR BJB 2016 lowress
» 2.1 b FA AR BJB 2016 lowress
» 3 penugasan Dewan Komisaris dan Direksi
» 3.1 b FA AR BJB 2016 lowress
» 3.2 b FA AR BJB 2016 lowress
» 5 penilaian Kinerja Dewan Komisaris dan Direksi
» 5.1 b FA AR BJB 2016 lowress
» 6.1 b FA AR BJB 2016 lowress
» hak pemegang Saham 1 FA AR BJB 2016 lowress
» 1.1 P FA AR BJB 2016 lowress
» 4 4.1 P FA AR BJB 2016 lowress
» 5.1 P 1 FA AR BJB 2016 lowress
» 2.1 P FA AR BJB 2016 lowress
» 3.1 P FA AR BJB 2016 lowress
» Komponen modal | capital component
» modal Pelengkap | complementary capital
» modal Pelengkap Tambahan yang Dialokasikan Untuk mengantisipasi risiko Pasar
» 17.85 FA AR BJB 2016 lowress
» 15.89 FA AR BJB 2016 lowress
» neraca FA AR BJB 2016 lowress
» Kewajiban selisih aset dengan Kewajiban dalam neraca
» Tagihan rekening administratif FA AR BJB 2016 lowress
» Kewajiban rekening administratif selisih Tagihan dan Kewajiban dalam rekening neraca
» Kewajiban FA AR BJB 2016 lowress
» selisih aset dengan Kewajiban dalam neraca
» Kewajiban rekening administratif FA AR BJB 2016 lowress
» selisih Tagihan dan Kewajiban dalam rekening
» 508 7.081. 703 selisih Tagihan dan Kewajiban dalam rekening
» 338 7.757. 218 selisih Tagihan dan Kewajiban dalam rekening
» 401 9.674. 228 selisih Tagihan dan Kewajiban dalam rekening
» INFORMASI UMUM GENERAL INFORMATION
» INFORMASI UMUM lanjutan GENERAL INFORMATION continued
» Pendirian dan informasi umum Bank lanjutan
» Establishment and general information about the Bank continued
» Maksud dan tujuan lanjutan Purpose and objectives continued
» Manajemen eksekutif lanjutan Executive management continued
» Penawaran umum obligasi FA AR BJB 2016 lowress
» Pendirian dan informasi umum entitas anak lanjutan
» IKHTISAR KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Dasar penyusunan laporan keuangan konsolidasian
» Dasar penyusunan laporan keuangan konsolidasian lanjutan
» Prinsip konsolidasi lanjutan Principles of consolidation continued
» Penjabaran mata uang asing lanjutan Foreign currency translation continued
» Aset keuangan dan liabilitas keuangan lanjutan
» Financial assets and liabilities continued
» Giro pada Bank Indonesia dan bank lain Current accounts with Bank Indonesia and
» Penempatan pada Bank Indonesia dan bank
» Surat berharga lanjutan Marketable securities continued
» Efek-efek yang dibeli dengan janji dijual kembali Reverse Repo
» Wesel ekspor dan tagihan lainnya
» Instrumen keuangan derivatif FA AR BJB 2016 lowress
» j. Derivative financial instruments
» Kredit yang diberikan lanjutan Loans continued
» Pembiayaanpiutang syariah FA AR BJB 2016 lowress
» Pembiayaanpiutang syariah lanjutan FA AR BJB 2016 lowress
» Sharia financingreceivables continued FA AR BJB 2016 lowress
» Identifikasi dan pengukuran penurunan nilai atas aset keuangan
» Identifikasi dan pengukuran penurunan nilai atas aset keuangan lanjutan
» Identification and measurement of impairment for financial assets continued
» Tagihan dan liabilitas akseptasi Acceptances receivable and payable
» Aset tetap lanjutan Fixed assets continued
» Penurunan nilai aset non-keuangan lanjutan
» Impairment of non-financial assets continued
» Beban dibayar dimuka FA AR BJB 2016 lowress
» Prepaid expenses FA AR BJB 2016 lowress
» Liabilitas segera FA AR BJB 2016 lowress
» Obligations due immediately FA AR BJB 2016 lowress
» Simpanan nasabah, simpanan nasabah syariah dan dana syirkah temporer
» Deposits from customers, Sharia deposits from customers and Temporary syirkah
» Simpanan dari bank lain lanjutan
» Deposits from other banks continued
» Efek-efek yang dijual dengan janji untuk dibeli kembali
» Marketable securities sold under repurchase agreements
» Pinjaman yang diterima FA AR BJB 2016 lowress
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