Pendirian Bank Lanjutan Program Rekapitalisasi
1. UMUM Lanjutan
1. GENERAL Continued
b. Program Rekapitalisasi Lanjutan b. Recapitalization Program Continued c. Dewan Komisaris, Direksi dan Karyawan c. Board of Commissioners, Directors and Employees Dewan Komisaris : Board of Commissioners Komisaris Utama President Commissioners Komisaris Commissioners Komisaris Commissioners Komisaris Commissioners Komisaris Commissioners Dewan Direksi : Board of Directors Direktur Utama President Director Direktur Kepatuhan Compliance Director Direktur Operasional Operational Director Direktur Umum General Director Direktur Pemasaran Marketing Director Dewan Komisaris : Board of Commissioners Komisaris Utama Managing Commissioners Komisaris Commissioners Komisaris Commissioners Komisaris Commissioners Dewan Direksi : Board of Directors Direktur Utama Managing Director Direktur Kepatuhan Compliance Director Direktur Operasional Operational Director Direktur Umum General Director Direktur Pemasaran Marketing Director Seluruh dewan Komisaris dan Direksi yang telah diangkat berdasarkan keputusan RUPS tanggal 25 Oktober 2016 dan telah memperoleh persetujuan atas pengangkatan tersebut oleh Otoritas Jasa Keuangan dengan No Surat SR-95PB.122016 pada tanggal 11 November 2016. The entire Board of Commissioners and Board of Directors who have been hired by decision of General Meeting of shareholders on October 25, 2016 and has obtained approval on hired by the Financial Services Authority with Letter No. SR-95PB.122016 on November 11, 2016. Perusahaan memiliki karyawan masing - masing sejumlah 1.755 dan 1.750 orang pada tanggal 31 Desember 2016 dan 2015. Company has employee respectively 1,755 and 1,750 people on December 31, 2016 and 2015. Johanis Christianus Salibana Jeffry Salilo Judy Koagow Felming Harun Novi Ventje Berti Kaligis Berdasarkan Keputusan Rapat Umum Pemegang Saham PT Bank SulutGo yang dilangsungkan pada tanggal 15 Juni 2016, sesuai Pernyataan Keputusan Rapat No. 78 tanggal 30 Juni 2016 oleh M.S.E. Pangemanan, S.H. notaris di Manado menyetujui perpanjangan masa kepengurusan anggota Dewan Komisaris dan Dewan Direksi periode tahun 2012 - 2016 terhitung mulai tanggal 10 Agustus 2016 sampai dengan dilaksanakannya RUPS berikutnya. Based on the General Meeting Decision of Shareholders of PT Bank SulutGo on June 15, 2016, in accordance with Meeting Decision Statement No. 78 dated June 30, 2016 by M.S.E. Pangemanan, S.H., notary in Manado approved the management extension of members of Board of Commissioners and Directors for the period of 2012 - 2016 starting on August 10, 2016 until the implementation of the next General Meeting of Shareholders. Berdasarkan Akta Pernyataan Keputusan Rapat Nomor : 137, tanggal 24 Juni 2013, yang dibuat dihadapan Michiel Saltiel Errol Pangemanan, S.H., Notaris di Kota Manado, menyetujui perubahan susunan anggota Dewan Komisaris dengan menerima pengunduran tuan Jefferson Richard Lungkang. Sehingga susunan Dewan Komisaris dan Direksi pada tanggal 31 Desember 2015 dan 2014 adalah sebagai berikut : Based on the Deed of Meeting Decision Statement Number : 137 dated June 24, 2013 which was made in the presence of Michiel Saltiel Errol Pangemanan, S.H., Notary in Manado City, approve the restructure of Boards of Commissioners by accepting the resignation of Mr. Jefferson Richard Lungkang so the composition of the Board of Commissioners and Directors as December 31, 2015 and 2014 are as follows : Robby Jimmy Mamuaja Effendy Manoppo Mustamir Bakri Alexius Lembong Pada tanggal 30 Juni 2004, Pemerintah Republik Indonesia melalui Menteri Keuangan telah menjual kembali divestasi seluruh kepemilikan saham di Bank Sulut dengan nilai penjualan sebesar Rp 30.916.776.697,- tiga puluh milyar sembilan ratus enam belas juta tujuh ratus tujuh puluh enam ribu enam ratus sembilan puluh tujuh rupiah. Bersamaan dengan penjualan saham tersebut, Pemerintah juga melunasi Surat Utang Negara yang dibeli dalam rangka rekapitalisasi tersebut. Penjualan saham dan pelunasan obligasi tersebut dilaksanakan dengan mengacu pada Keputusan Menteri Keuangan Republik Indonesia No. 543KMK062003 tentang Divestasi Saham Negara dalam Rangka Penyertaan Modal Negara dan Pelunasan Obligasi Negara pada Bank Pembangunan Daerah Peserta Program Rekapitalisasi. On June 30, 2004, the Government of the Republic of Indonesia through the Minister of finance resold divested all of its shares in Bank Sulut with sales price amounting to Rp 30,916,776,697.- thirty billion nine hundred and sixteen milion seven hundred and seventy six thousand six hundred and ninety seven rupiah. Along with such sale, the Government also setted the Governments bonds purchased within the framework of such recapitulation process. The sales of the shares and the settlements of the bonds were executed based on the Decree of the Minister of Finance of the Republic of Indonesia No. 543KMK062003 on the Divestment of Governments Shares within the Framework of Government Equity and Settlement of Governments Bonds on Regional Development Banks which is Participants to the Recapitalization Program. Berdasarkan risalah Rapat Umum Pemegang Saham Luar Biasa PT. Bank Pembangunan Daerah Sulawesi Utara Gorontalo yang dilangsungkan tanggal 27 September 2016 oleh M.S.E Pangemanan, SH notaris di Manado memberhentikan dengan hormat seluruh anggota Dewan Komisaris dan Direksi periode 2012-2016 dan mengangkat anggota Dewan Komisaris dan Direksi periode 27 September 2016 - 27 September 2020. Susunan pengurus Bank pada tanggal 30 September 2016 adalah sebagai berikut: Based on the minutes of the Extraordinary General Meeting of Shareholders of PT Bank Pembangunan Daerah Sulawesi Utara Gorontalo on September 27, 2016 by M.S.E Pangemanan, SH notary in Manado, Bank dismiss with respect all members of the Board of Commissioners and Directors for the period of 2012-2016 and hiring members of the Board of Commissioners and Directors for the period of September 27, 2016 - September 27, 2020. The composition of the Banks management on September 30, 2016 is as follows: Sanny James Parengkuan Max Kembuan Peggy Adeline Mekel Frederik Gerard Worang Rustam Akili Jeffry Andre Mantiri Dendeng Machmud Turuis Welan Towai Palilingan Maudy Revino Pepah Meiky Thoms Taliwuna Pada tanggal 25 Oktober 2016 telah diadakan rapat umum pemegang saham dalam hal pernyataan keputusan rapat yang dicatat berdasarkan akta Notaris M.S.E. Pangemanan, S.H. No. 52 Tanggal 25 Oktober 2016 dan telah mendapat pengesahan dari Departement Hukum dan Hak Asasi Manusia dalam keputusan No. AHU-AH.01.03-0093184 pada tanggal 26 Oktober 2016. On October 25, 2016 has been held general meeting of shareholders in terms of meeting which decision statement recorded in notarial deed of M.S.E. Pangemanan, S.H. No. 52 dated October 25, 2016 and approved by the Minister of Justice and Human Rights of the Republic of Indonesia in the decision No. AHU-AH.01.03-0093184 on October 26, 2016. 783 Laporan Tahunan Bank SULUTGO 2016 | Annual Report Bank SULUTGO 2016 PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS UNTUK TAHUN-TAHUN YANG BERAKHIR PADA FOR THE YEARS ENDED ON 31 DESEMBER 2016, 2015 SERTA 1 JANUARI 2015 DECEMBER 31, 2016, 2015 AND JANUARY 1, 2015 Dinyatakan dalam Rupiah penuh, kecuali dinyatakan lain Expressed in Rupiah, unless otherwise stated1. UMUM Lanjutan
Parts
» bankreport annual report 2017 120
» KONTRIBUTIF bankreport annual report 2017 120
» Pemerintah Provinsi Sulawesi Utara
» Pemerintah Gubernur Gorontalo bankreport annual report 2017 120
» Pemerintah Kabupaten Minahasa bankreport annual report 2017 120
» Pemerintah Kabupaten Bolaang Mongondow
» North Sulawesi Provincial Government
» Government of Gorontalo Governor
» Minahasa Regency Government bankreport annual report 2017 120
» Bolaang Mongondow Regency Government
» Pemerintah Kabupaten Gorontalo bankreport annual report 2017 120
» Pemerintah Kabupaten Sangihe bankreport annual report 2017 120
» Pemerintah Kota Manado bankreport annual report 2017 120
» Pemerintah Kota Gorontalo bankreport annual report 2017 120
» Gorontalo Regency Government bankreport annual report 2017 120
» Sangihe Regency Government bankreport annual report 2017 120
» Manado Municipal Government bankreport annual report 2017 120
» Gorontalo Municipal Government bankreport annual report 2017 120
» Pemerintah Kota Bitung bankreport annual report 2017 120
» Pemerintah Kabupaten Boalemo bankreport annual report 2017 120
» Pemerintah Kota Tomohon bankreport annual report 2017 120
» Pemerintah Kabupaten Minahasa Selatan
» Bitung Municipal Government bankreport annual report 2017 120
» Boalemo Regency Government bankreport annual report 2017 120
» Tomohon Municipal Government bankreport annual report 2017 120
» South Minahasa Regency Government
» Pemerintah Kabupaten Pohuwato bankreport annual report 2017 120
» Pemerintah Kabupaten Minahasa Utara
» Pemerintah Kabupaten Bone Bolango
» Pemerintah Kabupaten Gorontalo Utara
» Pohuwato Regency Government bankreport annual report 2017 120
» North Minahasa Regency Government
» Bone Bolango Regency Government
» North Gorontalo Regency Government
» South Bolaang Mongondow Regency Government East Bolaang Mongondow Regency Government
» Pemerintah Kabupaten Bolaang Mongondow Utara
» Pemerintah Kota Kotamobagu bankreport annual report 2017 120
» Pemerintah Kabupaten Minahasa Tenggara
» North Bolaang Mongondow Regency Government
» Kotamobagu Municipal Government bankreport annual report 2017 120
» 24,517,600,000 Southeast Minahasa Regency Government
» 36,205,800,000 Southeast Minahasa Regency Government
» RATA-RATA-AVERAGE Southeast Minahasa Regency Government
» Luas Pasar bankreport annual report 2017 120
» Market Area bankreport annual report 2017 120
» Analisis Potensi Pasar Market Share Perusahaan
» Analysis of Company Market Share
» Segmen Geograis. bankreport annual report 2017 120
» Segmen Demograis. bankreport annual report 2017 120
» Segmen Psikograis. bankreport annual report 2017 120
» Segmen Beneit. bankreport annual report 2017 120
» Segmen Ruang Produk bankreport annual report 2017 120
» Geographic Segment. bankreport annual report 2017 120
» Demographic Segment. bankreport annual report 2017 120
» Psychographic Segment. bankreport annual report 2017 120
» Beneit Segment. bankreport annual report 2017 120
» Product Segment. bankreport annual report 2017 120
» Segmen Faktor Pasar Market Segment.
» Kredit Menegah Korporasi bankreport annual report 2017 120
» Rasio Kredit terhadap Dana Pihak Ketiga LDR
» Loan to Third Party Fund Ratio LDR
» Rasio Kredit Bermasalah NPL dan Tingkat Kolektibilitas Piutang
» Rasio Rentabilitas Atas Aktiva ROA
» Rasio Rentabilitas Atas Ekuitas ROE
» Rasio Pendapatan Bunga Bersih NIM
» Non-performing Loan NPL Ratios and Receivable Collectibility Rate
» Net Interest Margin Ratio NIM
» Rasio Beban Operasi Terhadap Pendapatan Operasi BOPO
» Operating Expense To Operating Income Ratio OEOI
» Tindaklanjut Keputusan Rapat Akte No. 69 Tanggal
» Follow up Meeting Decision of Deed No. 69 May 22,
» Tindaklanjut Keputusan Rapat Akte No. 70 Tanggal 22 Mei 2015
» Follow-up Decision Meeting of Deed No. 70 May 22, 2015 No
» Tindaklanjut Keputusan Rapat Akte No. 71 Tanggal 22 Mei 2015
» Follow-up of Decision Meeting of Deed No. 71 May 22, 2015
» Tindaklanjut Keputusan Rapat Akte No. 72 Tanggal 22 Mei 2015
» Follow up of Decision Meeting of Deed No. 72 May 22, 2015
» Tindaklanjut Keputusan Rapat Akte No. 74 Tanggal 23 Juni 2015
» Follow-up of Decision Meeting of Deed No. 74 June 23, 2015
» Tindaklanjut Keputusan Rapat Akte No. 75 Tanggal 23 Juni 2015
» Follow-up of Decision Meeting of Deed No. 75 June 23, 2015
» Tindaklanjut Keputusan Rapat Akte No. 76 Tanggal 23 Juni 2015
» Follow up of the Decision of Meeting of Deed No. 76 On June 23, 2015
» Tindaklanjut Keputusan Rapat Akte No. 16 tanggal 12 Oktober 2015
» Follow up of the Decision of Meeting of Deed No. 16 dated October 12, 2015
» Tindaklanjut Keputusan Rapat Akte No. 17 tanggal 12 Oktober 2015
» Follow-up of Decision Meeting of Deed No. 17 dated October 12, 2015
» Tindaklanjut Keputusan Rapat Akte No. 18 tanggal 12 Oktober 2015
» Follow-up of Decision Meeting of Deed No. 18 dated October 12, 2015
» Terkait Fungsi Nominasi bankreport annual report 2017 120
» Terkait Fungsi Remunerasi bankreport annual report 2017 120
» Related Nominations Functions bankreport annual report 2017 120
» Related Functions Remuneration bankreport annual report 2017 120
» Dewan Komisaris Board of Commissioners
» Direksi bankreport annual report 2017 120
» Board of Director bankreport annual report 2017 120
» Pengawasan Langsung bankreport annual report 2017 120
» Pengawasan Tidak Langsung bankreport annual report 2017 120
» Pemeriksaan Umum bankreport annual report 2017 120
» Direct supervision bankreport annual report 2017 120
» Indirect supervision bankreport annual report 2017 120
» General audit bankreport annual report 2017 120
» Pemeriksaan Teknologi Sistem Informasi.
» Pemeriksaan Sistem BI-RTGS dan SKNBI
» Pemeriksaan Mendadak bankreport annual report 2017 120
» Information Systems Technology Audit.
» BI-RTGS System and SKNBI Audit
» Sudden Audit bankreport annual report 2017 120
» Pemeriksaan Dengan Tujuan Tertentu
» Kegiatan Investigasi bankreport annual report 2017 120
» Menjadi counterpart OJK, BPK, BI dan pemeriksa eksternal
» Investigation Activities bankreport annual report 2017 120
» Terdapat beberapa pemberitaan negative mengenai
» Hubungan kerja antar pegawai dalam Bank
» Working relationships among employees within the Bank
» CSR has realized, but there is still remaining Unrealized CSR of Rp.14.70300.000, - 12 regions
» Laporan Lengkap; bankreport annual report 2017 120
» Laporan belum 100; bankreport annual report 2017 120
» Belum Melaporkan; bankreport annual report 2017 120
» Full Report; bankreport annual report 2017 120
» Not yet Reported; bankreport annual report 2017 120
» Pendirian Bank Lanjutan Program Rekapitalisasi
» Program Rekapitalisasi Lanjutan GENERAL Continued
» Dewan Komisaris, Direksi dan Karyawan
» UMUM UMUM Lanjutan UMUM Lanjutan UMUM Lanjutan
» Jaringan Kantor GENERAL Continued
» Pernyataan Kepatuhan SUMMARY OF ACCOUNTING POLICIES
» Basis of the Preparation of Financial Statements
» Pengunaan Pertimbangan, Estimasi dan Asumsi Perubahan Kebijakan Akuntansi
» Perubahan Kebijakan Akuntansi Lanjutan
» Perubahan Kebijakan Akuntansi Lanjutan Aset Keuangan dan Liabilitas Keuangan 1. Klasifikasi 1
» Aset Keuangan dan Liabilitas Keuangan Lanjutan
» 1. Classification Continued SUMMARY OF ACCOUNTING POLICIES Continued
» 2. Pengakuan 2 3 Pengukuran biaya perolehan diamortisasi
» 3 Amortized cost measurement SUMMARY OF ACCOUNTING POLICIES Continued
» Aset Keuangan dan Liabilitas Keuangan Lanjutan 4. Pengukuran nilai wajar 4
» 4 Fair value measurement Continued 5. Penghentian Pengakuan 5
» 5 Derecognition Continued SUMMARY OF ACCOUNTING POLICIES Continued
» 6.Saling Hapus 6. Offsetting SUMMARY OF ACCOUNTING POLICIES Continued
» Giro pada Bank Indonesia dan pada Bank Lain
» Penempatan pada Bank Indonesia dan Bank Lain Surat-surat Berharga Marketable Securities
» Surat-surat Berharga Lanjutan SUMMARY OF ACCOUNTING POLICIES Continued
» Marketable Securities Continued SUMMARY OF ACCOUNTING POLICIES Continued
» Kredit Yang Diberikan SUMMARY OF ACCOUNTING POLICIES Continued
» Loans Penyertaan SUMMARY OF ACCOUNTING POLICIES Continued
» Penyertaan Lanjutan SUMMARY OF ACCOUNTING POLICIES Continued
» Aset Tetap SUMMARY OF ACCOUNTING POLICIES Continued
» Fixed Assets SUMMARY OF ACCOUNTING POLICIES Continued
» Aset Lain-Lain SUMMARY OF ACCOUNTING POLICIES Continued
» Liabilitas Segera SUMMARY OF ACCOUNTING POLICIES Continued
» Simpanan Nasabah SUMMARY OF ACCOUNTING POLICIES Continued
» Pinjaman yang Diterima SUMMARY OF ACCOUNTING POLICIES Continued
» Borrowings SUMMARY OF ACCOUNTING POLICIES Continued
» Perpajakan SUMMARY OF ACCOUNTING POLICIES Continued
» Surat Berharga yang Diterbitkan
» Marketable Securities Issued Imbalan Pasca Kerja
» Pendapatan Provisi dan Komisi Transaksi dengan Pihak-pihak Berelasi
» Transaksi dengan Pihak-pihak Berelasi Lanjutan
» Laba per Saham SUMMARY OF ACCOUNTING POLICIES Continued
» Sumber Utama atas Ketidakpastian Estimasi
» 1. Allowance for impairment losses of financial assets .
» 2. Penentuan nilai wajar 2. Determination fair value
» PENGUNAAN ESTIMASI DAN PERTIMBANGAN PENGUNAAN ESTIMASI DAN PERTIMBANGAN
» USE OF ESTIMATES AND JUDGEMENTS
» KAS bankreport annual report 2017 120
» CASH bankreport annual report 2017 120
» CURRENT ACCOUNT WITH BANK NDONESIA
» Pihak-pihak berelasi : Related parties :
» Pihak ketiga : Third parties :
» PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN PLACEMENTS IN BANK INDONESIA AND OTHER BANKS
» SURAT-SURAT BERHARGA MARKETABLE SECURITIES
» SURAT-SURAT BERHARGA Lanjutan MARKETABLE SECURITIES Continued
» SURAT-SURAT BERHARGA Lanjutan bankreport annual report 2017 120
» Berdasarkan Sektor Ekonomi LOANS Continued
» Berdasarkan Jenis Kredit LOANS Continued
» Kredit Yang Diberikan Berdasarkan Kolektabilititasnya
» Kredit Yang Diberikan Berdasarkan Kolektabilititasnya Lanjutan
» Menurut jangka waktu LOANS Continued
» LOANS Continued bankreport annual report 2017 120
» PENYERTAAN INVESTMENTS bankreport annual report 2017 120
» ASET TETAP Lanjutan FIXED ASSETS Continued
» ASET LAIN LAIN bankreport annual report 2017 120
» OTHERS ASSETS bankreport annual report 2017 120
» LIABILITAS SEGERA bankreport annual report 2017 120
» OBLIGATION DUE TO IMMEDIATELY
» SIMPANAN NASABAH bankreport annual report 2017 120
» DEPOSITS FROM CUSTOMERS SIMPANAN DARI BANK LAIN DEPOSITS FROM OTHER BANK
» SIMPANAN DARI BANK LAIN Lanjutan
» DEPOSITS FROM OTHER BANK Continued SURAT BERHARGA YANG DITERBITKAN MARKETABLE SECURITIES ISSUED
» SURAT BERHARGA YANG DITERBITKAN Lanjutan
» MARKETABLE SECURITIES ISSUED Continued
» PINJAMAN YANG DITERIMA bankreport annual report 2017 120
» Utang Pajak Rekonsiliasi Fiskal
» Rekonsiliasi Fiskal Lanjutan TAXATION Continued
» Beban Pajak Aset Liabilitas pajak tangguhan
» BORROWINGS PERPAJAKAN PERPAJAKAN Lanjutan PERPAJAKAN Lanjutan
» LIABILITAS IMBALAN PASKA KERJA LIABILITIES ON EMPLOYEE POST BENEFIT
» LIABILITAS IMBALAN PASKA KERJA Lanjutan LIABILITIES ON EMPLOYEE POST BENEFIT Continued
» LIABILITAS IMBALAN PASKA KERJA Lanjutan
» LIABILITIES ON EMPLOYEE POST BENEFIT Continued D.
» LIABILITAS LAINNYA bankreport annual report 2017 120
» OTHER LIABILITIES bankreport annual report 2017 120
» SHARE CAPITAL EQUITY a. MODAL SAHAM
» EKUITAS EKUITAS Lanjutan bankreport annual report 2017 120
» SHARE CAPITAL Continued EQUITY Continued a. MODAL SAHAM Lanjutan
» EKUITAS Lanjutan bankreport annual report 2017 120
» Komponen Ekuitas Lainnya EQUITY Continued b. Tambahan Modal Disetor
» PENDAPATAN BUNGA bankreport annual report 2017 120
» INTEREST INCOME bankreport annual report 2017 120
» BEBAN BUNGA bankreport annual report 2017 120
» INTEREST EXPENSE bankreport annual report 2017 120
» PENDAPATAN OPERASIONAL LAIN bankreport annual report 2017 120
» OTHERS OPERATIONAL INCOME bankreport annual report 2017 120
» PENYISIHAN KERUGIAN ASET bankreport annual report 2017 120
» ALLOWANCE FOR IMPAIRMENT LOSSES ON ASETS
» BEBAN PERSONALIA bankreport annual report 2017 120
» PERSONALIA EXPENSE bankreport annual report 2017 120
» GENERAL AND ADMINISTRATION EXPENSES
» BEBAN PROMOSI bankreport annual report 2017 120
» PROMOTIONAL EXPENSE bankreport annual report 2017 120
» BEBAN PREMI PROGRAM PENJAMINAN PEMERINTAH
» GOVERNMENT PREMIUMS GUARANTEE PROGRAM EXPENSES
» KERUGIAN DARI PERUBAHAN NILAI WAJAR ASET KEUANGAN
» LOSS FROM CHANGES IN FAIR VALUE OF FINANCIAL ASSETS
» PENDAPATAN BEBAN NON OPERASIONAL
» NON OPERATING INCOME EXPENSES
» LABA PER SAHAM bankreport annual report 2017 120
» EARNING PER SHARE bankreport annual report 2017 120
» DANA PENSIUN bankreport annual report 2017 120
» PENSION FUND IKATAN bankreport annual report 2017 120
» AGREEMENTS 213.449.303.000 bankreport annual report 2017 120
» IKATAN Lanjutan AGREEMENTS Continued
» IKATAN Lanjutan bankreport annual report 2017 120
» AGREEMENTS Continued INSTRUMEN KEUANGAN
» Klasifikasi aset keuangan dan liabilitas keuangan Lanjutan
» INSTRUMEN KEUANGAN Lanjutan FINANCIAL INSTRUMENT Continued b.
» INSTRUMEN KEUANGAN Lanjutan bankreport annual report 2017 120
» FINANCIAL INSTRUMENT Continued b.
» ESTIMASI KERUGIAN KOMITMEN DAN KONTIGENSI
» Penyertaan ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Investment Giro ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Current accounts Aset ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Tabungan Savings Deposito Deposits Kredit yang diberikan Loans Giro Current account
» Giro Lanjutan ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Current account Continued ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Deposito ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Deposits ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Tabungan ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Savings ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Pendapatan bunga ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Interest income ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Pendapatan operasional lainnya ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Beban bunga ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Interest expense ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» RASIO ASET PRODUKTIF TERHADAP JUMLAH ASET RASIO ASET PRODUKTIF TERHADAP JUMLAH ASET Lanjutan
» Kualitas aset produktif PRODUCTIVE ASSETS RATIO FOR TOTAL ASSETS Continued
» MANAJEMEN RESIKO RISK MANAGEMENT
» MANAJEMEN RESIKO Lanjutan bankreport annual report 2017 120
» RISK MANAGEMENT Continued Resiko Kredit JAMINAN TERHADAP KEWAJIBAN PEMBAYARAN BANK UMUM
» GUARANTEE TOWARDS LIABILITIES OF COMMERCIAL BANKS PAYMENT
» JAMINAN TERHADAP KEWAJIBAN PEMBAYARAN BANK UMUM Lanjutan
» TANGGUNG JAWAB SOSIAL PERUSAHAAN
» PERATURAN-PERATURAN BARU YANG TELAH DITERBITKAN Lanjutan
» NEW RULES THAT HAVE BEEN PUBLISHED Continued INFORMASI TAMBAHAN ADDITIONAL INFORMATION
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