Kewajiban rekening administratif selisih Tagihan dan Kewajiban dalam rekening neraca
c. selisih aset dengan Kewajiban dalam neraca
Difference in assets and liabilities in the balance sheet 8,462,876 12,872,570 1,502,376 4,331,913 705,804 850,533 1,967,105 3,536,429 ii. rekening administratif administrative account -a. Tagihan rekening administratif
receivables on administrative account - 1. Komitmen Commitment - - - - - - - - a. Fasilitas pinjaman yang belum ditarik undrawn loan facilities - - - - - - - - b. posisi pembelian spot dan derivatif yang masih berjalan outstanding spot and derivative purchase - - - - - - - - 1 Spot Spot - - - - - - - - 2 Derivatif Derivative - - - - - - - - c. Lainnya others - - - - - - - - 2. Kontijensi Contingency - - - - - - - -b. Kewajiban rekening administratif
liability of administrative account - 1. Komitmen Commitment - - - - - - - - a. Fasilitas Kredit yang belum ditarik undrawn credit facilities - - - - - - - - b. Irrevocable LC yang masih berjalan outstanding irrevocable LC - - - - - - - - c. posisi penjualan spot dan derivatif yang masih berjalan outstanding spot and derivative sale - - - - - - - - 1 Spot Spot - - - - - - - - 2 Derivatif Derivative - - - - - - - - d. Lainnya others - - - - - - - - 2. Kontijensi Contingency - - - - - - - -c. selisih Tagihan dan Kewajiban dalam rekening
administratif Difference in receivables and liabilities in the balance sheet - Selisih Ia-IB + IIa-IIB Difference Ia-IB + IIa-IIB 8,462,876 12,872,570 1,502,376 4,331,913 705,804 850,533 1,967,105 3,536,429 - Selisih Kumulatif Cumulative difference 59,308,005 12,872,570 11,370,194 7,038,281 7,744,085 6,893,552 4,926,447 8,462,876 - - - - - - - - PENGUNGKAPAN EKSPOSUR RISIKO DAN PENERAPAN MANAJEMEN RISIKO DisClosuRe of Risk eXPosuRe anD Risk managemenT imPlemenTaTion Laporan Tahunan 2016 788 Semakin Berkembang Bersama peluang Baru yang Membentang RISIKO OPERASIONAL Risiko Operasional adalah risiko akibat ketidakcukupan dan atau tidak berfungsinya proses internal, kesalahan manusia, kegagalan sistem, dan.atau adanya kejadian-kejadian eksternal yang mempengaruhi operasional bank. Risiko operasional melekat kepada seluruh aktivitas bank, oleh karena itu risiko operasional tidak dapat dihilangkan namun dapat dikendalikan melalui mitigasi risiko yang memadai. Dampak kerugian dari risiko operasional dapat berupa kerugian keuangan atau kerugian non keuangan. Bank melakukan tata kelola mengenai pengelolaan risiko operasional yang dilakukan melalui three line of defense yaitu risk taking unit sebagai lini pertahanan pertama, unit kerja Operational Risk Management sebagai lini pertahanan kedua, serta Internal Audit sebagai lini pertahanan ketiga. Lini pertahanan pertama memiliki tanggung jawab untuk memastikan bahwa seluruh proses operasional yang dilakukan telah sesuai dengan kebijakan dan prosedur yang berlaku, melakukan identifikasi risiko operasional serta melakukan mitigasi atas peristiwa kejadian risiko operasional. Lini pertahanan kedua yang berfungsi untuk mendukung dan memastikan unit kerja pada lini pertahanan pertama telah melakukan pengelolaan risiko secara efektif. Lini pertahanan ketiga memiliki peran untuk memastikan proses pengelolaan risiko operasional yang dilakukan oleh lini pertahanan pertama dan kedua telah berlangsung secara efektif dalam memitigasi kejadian risiko yang sudah terjadi maupun yang bersifat potensial agar tidak menimbulkan potensi kerugian bagi Bank. PenGaWasan aKTif DeWan KOmisaris Dan DireKsi Dewan Komisaris dan Direksi melakukan pengawasan aktif atas manajemen risiko operasional, antara lain melalui Komite Risiko baik yang berada pada level komisaris maupun direksi. Dalam pelaksanaan pengawasan aktif yang dilakukan Dewan Komisaris, dilakukan melalui Komite Pemantau Risiko. Sementara pada tingkat Direksi dilakukan melalui Komite Manajemen Risiko yang anatara lain membahas mengenai kebijakan manajemen risiko bank. Dalam rangka meminimalisir kejadian fraud, Direksi melakukan sosialisasi kepada seluruh karyawan mengenai pencegahan terkait fraud sebagai langkah untuk meningkatkan awareness karyawan mengenai kejadian fraud. Bank memiliki unit kerja independen yang melaksanakan pengelolaan manajemen risiko operasional secara bankwide yaitu Grup Risiko Operasional yang berada di bawah Divisi Manajemen Risiko. Unit ini memiliki peran dalam menetapkan standard dan OPERATIONAL RISK Operational Risk is risk due to inadequacy andor malfunction of internal process, human error, system failure, andor external incidents affecting the bank’s operations. Operational risk is attached to all bank’s activities, therefore, operational risk cannot be eliminated but can be managed with adequate risk mitigation. The impact of losses from operational risk can be in the form of financial loss or non-financial loss. Bank implements governance on operational risk management that is carried out through three lines of defense, which are risk-taking unit as the first line of defense, Operational Risk Management unit as the second line of defense, and Internal Audit as the third line of defense. The first line of defense is responsible for ensuring that all operational processes conducted are in line with the applicable policies and procedures, identifying operational risk, and mitigating incidents of operational risk. The second line of defense functions to support and ensure that the work unit in the first line of defense has managed the risks effectively. The third line of defense has the role to ensure that the operational risk management process conducted by the first and second lines of defense has been done effectively in mitigating risk incidents happened or potential so that it will not result in a potential loss for the Bank. acTiVe mOniTOrinG Of THe bOarD Of cOmmissiOners anD DirecTOrs The Board of Commissioners and Directors perform active monitoring on operational risk management, such as through the Risk Committee either on commissioner level or director’s. Active monitoring conducted by the Board of Commissioners is done through Risk Monitoring Committee. Whereas on Directors’ level, it is done through Risk Management Committee that, among others, discusses about the bank’s risk management policies. In order to minimize fraud incidents, the Directors conduct dissemination to all employees about prevention related to fraud as a step to increase the employees’ awareness on fraud incidents. The Bank has an independent work unit that performs operational risk management bank wide, which is the Operational Group Risk under the Risk Management Division. This unit has a role in determining standards and policies on PENGUNGKAPAN EKSPOSUR RISIKO DAN PENERAPAN MANAJEMEN RISIKO DisClosuRe of Risk eXPosuRe anD Risk managemenT imPlemenTaTionParts
» 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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