Main Micro Credit KMU Open Selling Policy Quality of Micro Credit Monitoring Method
2. Kebijakan Open Selling Kredit Mikro Utama KMU
Adanya penurunan posisi Kredit Mikro Utama KMU sejak bulan Juli 2013 sampai dengan Desember 2013 dari posisi Rp3.644 miliar menjadi sebesar Rp3.362 miliar turun 7,74 atau sebesar Rp282 miliar, sehingga penurunan posisi kredit dimungkinkan berlanjut di tahun 2014. Penyebab turunnya posisi KMU dikarenakan : • Adanyastatus“Stop Selling” terhadap jaringan kantor yang NPL 5 yaitu sebanyak 180 jaringan kantor atau 49,31 dari total 365 jaringan kantor. Rendahnya ekspansi KMU jaringan kantor yang terkena status stop selling dikarenakan kantor tersebut hanya dapat melakukan ekspansi dari debitur existing berupa penawaran top up. • Run off dari pencairan KMU, dimana per Januari sampai dengan November 2013, terdapat run off sebesar Rp571 miliar atau rata-rata 3,18 per bulan. Adapun rencana mekanisme Open Selling di tahun 2014 adalah sebagai berikut: Diberlakukan sistem Cut Off berdasarkan posisi Desember 2013, dimana posisi NPL per 31 Desember 2013 tidak diperhitungkan sebagai kriteria “Stop Selling”, sehingga di tahun 2014, seluruh KCKCP diberlakukan status “Open Selling” dan dapat melakukan ekspansi kondisi normal.3. Metode Monitoring Kualitas Kredit Mikro
a Perubahan struktur Organisasi dari model bisnis unit menjadi branch model: • Penambahan fungsi Credit Review, bisnis legal dan putusan kredit berdasarkan komite, sehingga diharapkan proses kredit akan lebih prudent. • PenerapansistemAccountOficer b Mewajibkan debitur yang telah direalisasikan untuk mengikuti customer gathering di bulan berikutnya, dengan tujuan sebagai berikut: MARKETING ASPECT ASPEK PEMASARAN government agencies, both central government, provincial and regency city to market products of the Micro Division to SMEs in the region, and mapping of potential funding for each bank bjb office network. In addition to NPL reduction efforts, the Micro Division also has a strategy to expand its quality credits in 2014, namely by inventorying the existing borrowers to perform a top up, undoubtedly, this strategy is intended for borrowers who have a healthy credit history, debtors can be labeled healthy if they have the following criteria: • Haveundergonehalfofthecreditperiod • CurrentCollectibility • Meetthetechnicalrequirementsofthebanktoperformthe credit Top Up.2. Main Micro Credit KMU Open Selling Policy
A decrease in the Main Micro Credit KMU position since July 2013 to December 2013 from the position of Rp3,644 billion to Rp3,362 billion a decrease of 7.74 or in the amount of Rp282 billion, making possible decline to continue in 2014. The reason of the decline of the KMU position is due to : • A“StopSelling”statustooficenetworkswithanNPLof 5 in the amount of 180 office networks or 49.31 of the total 365 office networks. The low expansion of the KMU office networks imposed by the stop selling status is because the office can only expand from the existing borrowers in the form of top up offerings. • RunofffromKMUdisbursements,inwhichasofJanuaryto November 2013, there were run off totalling an amount of Rp571 billion or 3.18 per month on average. The Open Selling mechanism plan in 2014 is as follows: The Cut Off system was put into effect based on the position in December 2013, where the NPL position as of December 31, 2013 was not included in the “Stop Selling” criteria, thus in 2014, the “Open Selling” status was applied at all KC KCP and able to perform expansions normal condition.3. Quality of Micro Credit Monitoring Method
a Changes in the Organizational structure from the business unit model to the branch model: • The addition of the Credit Review, legal business, and credit decision functions based on committees, thus the credit process will be more prudent. • TheimplementationoftheAccountOficersystem b Requiring realized debtors to attend the customer gathering in the following month, with the following objectives: Introduction Management Discussion Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Corporate Data bank bjb •LaporanTahunan2013AnnualReport 127 Consolidated Financial Statements • Mempererathubunganantarabankbjb dengan debitur sehingga dapat mendorong timbulnya rasa loyalitas tinggi • Sebagai media pembinaan kepada debitur untuk memberikan pemahaman cara penggunaan kredit dengan maksimal • Dapatdigunakansebagaimediapromosidanpemasaran cross selling Kredit keloaan divisi Mikro lainnya. c Pengembangan Loan Origination System LOS Pengembangan Loan Origination System merupakan program kerja tahun 2013 yang dilanjutkan pada Rencana Bisnis Bank 2014-2016. Manfaat dari Loan Origination System antara lain: • Meningkatkan eisiensi dan service level melalui otomasi • Tracking aplikasi dari mulai awal hingga persetujuan • Mengurangipemasukandatayangberulang-ulang • Meningkatkanfungsikontroldanmonitoring aplikasi • Memastikan bahwa semua aplikasi disetiap bagian di proses dalam jangka waktu yang sudah ditentukan service level • Meningkatkanproduktivitasparastaff dan kemampuan kapasitas prosesnya. d Monitoring On Call MOC Melakukan monitoring terkait First Payment Default FPD, dari hasil monitoring akan diperoleh informasi penyebab terjadinya FPD, yaitu: • Danauntukangsuranterpakaiuntukkebutuhanlain • Debitur masih mengumpulkan dana untuk angsuran, dikarenakan adanya keterlambatan pembayaran piutang dari konsumen • Kesalahpahaman debitur mengenai tabungan beku yang dianggap sebagai angsuran pertama • Force Majeur cuaca buruk yang menyebabkan beberapa usaha pertanian debitur mengalami gagal panen • Kurangnyamonitoring dari petugas KCKCP • Ketidaksesusaianpenggunaanfasilitaskredituntukhal- hal diluar pembiayaan kredit. Dari sisi kredit KPR bank bjb tetap mengedepankan kualitas kredit KPR diantaranya melalui: • Diberlakukan penalty apabila dilakukan pelunasan kredit pada masa Fixed Rate + 1 Satu Tahun, yaitu sebesar 3 - 4 dari pembayaranpelunasan pokok. • AdanyaprodukTop Up kredit untuk debitur existing yang bunga lebih rendah dari suku bunga floating. • Akan diadakan “Program Retention” apabila take over nasabah. • Strengtheningtherelationshipbetweenbankbjb with the debtors in order to encourage a high sense of loyalty • As a coaching media to the debtors to provide an understanding of how to utilize the credit maximally • Can be used as a promotional and marketing media cross selling of Credits managed by other Micro divisions. c The development of the Loan Origination System LOS The development of the Loan Origination System is a work program in 2013 which is resumed in the 2014- 2016 Business Plan of the Bank. The benefits of the Loan Origination System are, among others: • To improve eficiency and level of services through automations • Totrackapplicationfromthebeginningtoapproval • Toreducerepeateddataentries • To improve the control and monitoring application function • To ensure that all applications in every sections are processed in the set amount of time service level • To improve the productivity of the staff and their processing capacity abilities. d Monitoring On Call MOC Conduct monitoring related to First Payment Default FDP, the results of the monitoring will generate the information on the cause of FPD, namely: • Installmentfundswasusedforotherneeds • Debtorisstillcollectingfundsfortheinstallment,dueto the delay in the account receivables of their customers • Misconceptionofthedebtorswhoregardstheirsavings as the first installment • ForceMajeurbadweathercausingcropfailuresofthe debtors’ agricultural business • LackofmonitoringbytheKCKCPoficers • Incompatibility of credit facilities utilizations for items outside of the credit financing. In terms of mortgage loans bank bjb continues to promote the quality of the mortgage loans, among others thorugh: • Theimpositionofpenaltyintheeventofcreditacquittalinthe Fixed Rate + 1 One Year period, which is in the amount of 3-4 of the payment settlement of the principal. • ThepresenceoftheTopUpproductforexistingborrowerswith lower than the floating interest rates. • “ProgramRetention”programwillbecarriedoutintheevent customer take over occur. bank bjb •LaporanTahunan2013AnnualReport 128 Penghimpunan Dana Pihak Ketiga1. Dalam melakukan strategi untuk perluasan bisnis bank bjb
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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