Money Transfer Second Generation State Revenue Module MPN Billing Payment Ticketing and Top-up Purchase SMS Notification Kredit Pemilikan Rumah KPRKredit Pemilikan Apartemen KPA Graha Kredit Pemilikan Rumah Fasilitas Likuiditas Pembiayaan Perumahan KPR FL
1. ATM GrahaCash 3 in 1
Layanan perbankan elektronik yang dapat digunakan untuk kegiatan transaksi perbankan melalui mesin ATM 24 Jam, transaksi belanjadebit maupun kartu diskon. ATM GrahaCash didukung oleh jaringan ATM ALTO dan jaringan ATM Prima serta jaringan EDC Prima.2. Internet Banking
Layanan perbankan elektronik yang memberikan keleluasan, kemudahan dan kenyamanan kegiatan transaksi perbankan 24 jam dimanapun dan kapanpun menggunakan jaringan internet.3. EDC Teller
Layanan perbankan elektronik yang dapat digunakan untuk kegiatan transaksi perbankan menggunakan kartu atm.4. GrahaCall 24 Jam
Layanan petugas call center maupun Interactive Voice Response IVR 24 jam untuk membantu dan memberikan solusi bagi kegiatan perbankan sehari-hari.5. Graha Safe Safe Deposit Box
Layanan yang disediakan untuk nasabah berupa penyewaan tempat untuk menyimpan barang berharga atau surat berharga.6. Pengiriman Uang
Layanan pengiriman dalam uang Rupiah dan Valuta Asing Valas dalam dan luar negeri.7. Modul Penerimaan Negara MPN Gen 2
Layanan penerimaan pajak negara secara online.8. Pembayaran Tagihan
Layanan pembayaran tagihan listrik, telepon TELKOM, Speedy, Kartu Halo, Axis dan XL Pasca Bayar serta TV berbayar Transvision, Indovision dan Aora, kartu kredit.9. Pembelian Tiket, Pulsa dan Listrik Prabayar
Layanan pembelian listrik pra bayar, tiket kereta api dan pesawat terbang Citilink serta pulsa handphone 3 Three, Axis, XL.10. SMS Notifikasi
Layanan notifikasi transaksi maupun informasi perbankan berupa layanan pesan singkat yang dikirimkan langsung ke nomor handphone yang telah didaftarkan.1. ATM Graha Cash 3 in 1
Electronic banking service for banking transactions via 24 hours ATMs, shoppingdebit transaction, and discount card. ATM Graha Cash is supported by ATM ALTO, ATM Prima, and ECD Prima networks.2. Internet Banking
24-hours electronic banking service that provides flexibility, ease, and convenience for banking transactions anywhere and anytime via the Internet network.3. EDC Teller
Electronic banking service used for banking transactions using ATM card4. 24-Hours GrahaCall
24-hours call center staff and Interactive Voice Response IVR services to assist and provide solutions for daily banking activities.5. Graha Safe Safe Deposit Box
Service provided to customers in the form of Safe Deposit Box rental for storing valuables or securities.6. Money Transfer
Domestic and international money transfer in Rupiah or foreign currencies.7. Second Generation State Revenue Module MPN
Online State Tax Revenue Service8. Billing Payment
Billing payment service for Electricity, Phone TELKOM, Speedy, Kartu Halo, Postpaid Axis and XL, Pay TV such as Transvision, Indovision, and Aora9. Ticketing and Top-up Purchase
Service for the purchase of Prepaid Electricity, Train Ticket, Citilink flight ticket, and credit balance top-up for 3 Three, Axis, and XL phone providers10. SMS Notification
Notiication service for transactions and personal banking information sent to customer’s mobile phone number via short message service. LAYANAN JASA PERBANKAN LAINNYA Fasilitas berupa layanan untuk mempermudah melakukan kegiatan transaksi perbankan sehari-hari. OTHER BANKING SERVICES Service facilities to support daily banking transaction activity. 59 PT Bank Artha Graha Internasional, Tbk Tinjauan Pendukung Bisnis Overview Business Support Management Discussion and Analysis Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility1. Kredit Pemilikan Rumah KPRKredit Pemilikan Apartemen KPA Graha
Fasilitas pembiayaan bagi nasabah perorangan untuk pembelian properti seperti rumah, ruko, rukan dan apartemen dengan jangka waktu sampai dengan 15 tahun.2. Kredit Pemilikan Rumah Fasilitas Likuiditas Pembiayaan Perumahan KPR FLPP
Fasilitas Kredit Pemilikan Rumah yang merupakan subsidi pemerintah melalui Program Kerjasama antara Bank Artha Graha Internasional dengan Kementerian Pekerjaan Umum Perumahan Rakyat dalam penyaluran dana Fasilitas Likuiditas Pembiayaan Perumahan FLPP.3. Kredit Tanpa Agunan KTA
Fasilitas pembiayaan bagi nasabah perorangan untuk keperluan konsumtif tanpa memberikan agunan dengan jangka waktu sampai dengan 5 tahun.4. UMKM 5 miliar
Parts
» Annual Report Bank Artha Graha 2015 final lowres
» EDC Teller 24-Hours GrahaCall Graha Safe Safe Deposit Box
» Edukasi menabung dalam rangka meningkatkan literasi keuangan
» Adequacy process of identification, measurement, monitoring and control of risk management
» Sistem pengendalian intern yang menyeluruh
» Overall internal control system
» Manajemen Risiko Kredit Credit Risk Management
» Manajemen Risiko Pasar dan Risiko Likuiditas
» Manajemen Risiko Operasional Annual Report Bank Artha Graha 2015 final lowres
» Operation Risk Management Annual Report Bank Artha Graha 2015 final lowres
» Risiko Kredit Annual Report Bank Artha Graha 2015 final lowres
» Credit Risk Annual Report Bank Artha Graha 2015 final lowres
» Risiko Pasar Annual Report Bank Artha Graha 2015 final lowres
» Market Risk Annual Report Bank Artha Graha 2015 final lowres
» Risiko Likuiditas Annual Report Bank Artha Graha 2015 final lowres
» Liquidity Risk Annual Report Bank Artha Graha 2015 final lowres
» Kondisi perekonomian Indonesia. Capital Information System Credit Issue Banking Fraud
» Indonesia Economic Condition Annual Report Bank Artha Graha 2015 final lowres
» UMUM GENERAL Annual Report Bank Artha Graha 2015 final lowres
» UMUM lanjutan GENERAL continued
» IKHTISAR KEBIJAKAN AKUNTANSI PENTING SUMMARY OF SIGNIFICANT ACCOUNTING
» IKHTISAR KEBIJAKAN AKUNTANSI PENTING lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» IKHTISAR KEBIJAKAN AKUNTANSI PENTING lanjutan
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» IKHTISAR KEBIJAKAN AKUNTANSI PENTING lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» IKHTISAR KEBIJAKAN AKUNTANSI PENTING
» PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN ASUMSI SIGNIFIKAN OLEH MANAJEMEN
» USE OF Annual Report Bank Artha Graha 2015 final lowres
» PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN ASUMSI USE
» PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN
» PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN ASUMSI
» USE Annual Report Bank Artha Graha 2015 final lowres
» PENGGUNAAN PERTIMBANGAN, ESTIMASI DAN ASUMSI USE OF SIGNIFICANT JUDGMENTS, ESTIMATES AND
» KAS CASH GIRO PADA BANK INDONESIA CURRENT ACCOUNTS WITH BANK INDONESIA
» GIRO PADA BANK INDONESIA lanjutan CURRENT ACCOUNTS WITH BANK INDONESIA
» CURRENT ACCOUNTS WITH OTHER BANKS
» GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN
» PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS
» SURAT-SURAT BERHARGA MARKETABLE SECURITIES
» SURAT-SURAT BERHARGA lanjutan Annual Report Bank Artha Graha 2015 final lowres
» MARKETABLE SECURITIES continued Annual Report Bank Artha Graha 2015 final lowres
» TAGIHAN DAN LIABILITAS DERIVATIF DERIVATIVE RECEIVABLES AND PAYABLES
» TAGIHAN DAN LIABILITAS DERIVATIF lanjutan
» DERIVATIVE RECEIVABLES AND PAYABLES continued
» PENDAPATAN BUNGA YANG MASIH AKAN DITERIMA
» ACCRUED INTEREST RECEIVABLES 2015 Annual Report Bank Artha Graha 2015 final lowres
» BIAYA DIBAYAR DI MUKA PREPAID EXPENSES
» KREDIT YANG DIBERIKAN lanjutan LOANS continued
» TAGIHAN DAN LIABILITAS AKSEPTASI ACCEPTANCE RECEIVABLES AND PAYABLES
» TAGIHAN DAN Annual Report Bank Artha Graha 2015 final lowres
» PENYERTAAN SAHAM INVESTMENT IN SHARES OF STOCK
» ASET TETAP lanjutan FIXED ASSETS continued
» AGUNAN YANG DIAMBIL ALIH DAN ASET LAIN- LAIN
» FORECLOSED ASSETS AND OTHER ASSETS Agunan Yang Diambil Alih
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY
» SIMPANAN NASABAH CUSTOMER DEPOSITS
» SIMPANAN NASABAH lanjutan CUSTOMER DEPOSITS continued
» SIMPANAN DARI BANK LAIN lanjutan DEPOSITS FROM OTHER BANKS continued
» BUNGA MASIH HARUS DIBAYAR ACCRUED INTEREST PAYABLES
» BEBAN Annual Report Bank Artha Graha 2015 final lowres
» LIABILITAS IMBALAN PASCA KERJA POST-EMPLOYMENT BENEFITS LIABILITY
» LIABILITAS IMBALAN PASCA KERJA lanjutan POST-EMPLOYMENT BENEFITS LIABILITY
» LIABILITAS IMBALAN PASCA KERJA lanjutan POST-EMPLOYMENT
» PINJAMAN SUBORDINASI SUBORDINATED LOAN
» PINJAMAN SUBORDINASI lanjutan SUBORDINATED LOAN continued
» TAMBAHAN MODAL DISETOR ADDITIONAL PAID-IN CAPITAL
» PENDAPATAN BUNGA Annual Report Bank Artha Graha 2015 final lowres
» BEBAN BUNGA Annual Report Bank Artha Graha 2015 final lowres
» INTEREST EXPENSES 2015 Annual Report Bank Artha Graha 2015 final lowres
» BEBAN TENAGA KERJA Annual Report Bank Artha Graha 2015 final lowres
» PERSONNEL EXPENSES 2015 Annual Report Bank Artha Graha 2015 final lowres
» BEBAN OPERASI OPERATIONAL EXPENSES
» BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE EXPENSES
» BEBAN PENYISIHAN Annual Report Bank Artha Graha 2015 final lowres
» BEBAN NON OPERASIONAL - NETO
» NON-OPERATING EXPENSES – NET PERPAJAKAN TAXATION
» PERPAJAKAN lanjutan Annual Report Bank Artha Graha 2015 final lowres
» TAXATION continued a. Pajak Dibayar di Muka lanjutan
» PERPAJAKAN lanjutan TAXATION continued
» LABA PER SAHAM DASAR BASIC EARNINGS PER SHARE
» INFORMASI MENGENAI Annual Report Bank Artha Graha 2015 final lowres
» INFORMASI MENGENAI TRANSAKSI DAN SALDO DENGAN PIHAK-PIHAK BERELASI lanjutan
» INFORMATION ABOUT TRANSACTIONS AND BALANCES WITH RELATED PARTIES continued
» INFORMASI MENGENAI TRANSAKSI DAN SALDO DENGAN PIHAK-PIHAK BERELASI
» INFORMATION ABOUT TRANSACTIONS AND BALANCES
» INFORMASI MENGENAI TRANSAKSI DAN
» KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
» KOMITMEN DAN KONTINJENSI lanjutan COMMITMENTS
» KREDIT PENERUSAN DARI BANK INDONESIA CHANNELLING
» POSISI DEVISA NETO NET OPEN POSITION
» POSISI DEVISA NETO lanjutan NET OPEN POSITION continued
» INFORMASI SEGMEN USAHA OPERATING SEGMENT INFORMATION
» “Operating Segments”. Annual Report Bank Artha Graha 2015 final lowres
» INFORMASI SEGMEN USAHA lanjutan OPERATING
» INFORMASI SEGMEN USAHA lanjutan OPERATING MANAJEMEN RISIKO RISK MANAGEMENT
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Kredit Credit Risk
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Kredit lanjutan
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Kredit lanjutan Credit Risk continued
» Risiko Kredit lanjutan Credit Risk continued
» Credit Risk continued Evaluasi penurunan nilai lanjutan
» Credit Risk continued Evaluasi penurunan nilai lanjutan Risiko Pasar
» Market Risk continued Risiko Suku Bunga
» Market Risk continued Risiko Suku Bunga lanjutan
» Market Risk continued Risiko Nilai Tukar
» Market Risk continued Risiko Nilai Tukar lanjutan
» Risiko Pasar lanjutan Market Risk continued
» Risiko Likuiditas Liquidity Risk
» Liquidity Risk continued Annual Report Bank Artha Graha 2015 final lowres
» Risiko Operasional Operational Risk
» Operational Risk continued Annual Report Bank Artha Graha 2015 final lowres
» Risiko Reputasi Reputation Risk
» Risiko Reputasi lanjutan Annual Report Bank Artha Graha 2015 final lowres
» Reputation Risks continued Annual Report Bank Artha Graha 2015 final lowres
» Risiko Hukum Annual Report Bank Artha Graha 2015 final lowres
» Legal Risk Annual Report Bank Artha Graha 2015 final lowres
» Legal Risk continued Annual Report Bank Artha Graha 2015 final lowres
» Risiko Kepatuhan Compliance Risk
» Compliance Risk continued Annual Report Bank Artha Graha 2015 final lowres
» Risiko Stratejik Strategic Risk
» NILAI WAJAR INSTRUMEN KEUANGAN FAIR VALUE OF FINANCIAL INSTRUMENTS
» NILAI WAJAR Annual Report Bank Artha Graha 2015 final lowres
» MANAJEMEN MODAL CAPITAL MANAGEMENT
» MANAJEMEN MODAL lanjutan CAPITAL MANAGEMENT continued
» RASIO ASET PRODUKTIF TERHADAP JUMLAH ASET
» EARNING ASSETS RATIO OF TOTAL ASSETS
» INFORMASI PENTING LAINNYA Annual Report Bank Artha Graha 2015 final lowres
» OTHER IMPORTANT INFORMATION Annual Report Bank Artha Graha 2015 final lowres
» KUASI REORGANISASI QUASI REORGANIZATION
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