LAPORAN TAHUNAN 2010
11
ANNUAL REPORT
1.5 Prinsip Kehati-hatian dalam Pemberian Kredit kepada Pihak-Terkait dan Grup
Debitur Besar. Bank tidak diperbolehkan masuk ke dalam
suatu kondisi atau perjanjian dimana bank diharuskan memberikan dana yang melanggar
BMPK Batas Minimum Pemberian Kredit dan batas pemberian fasilitas kredit.
Berdasarkan
Peraturan Bank
Indonesia pemberian kredit kepada pihak-terkait dan
atau kelompok debitur besar masing-masing tidak boleh melebihi 10 dan 25 dari modal
bank. Tidak ada pelanggaran BMPK kepada kelompok debitur besar dan pihak-terkait.
Semua keputusan pemberian kredit harus disetujui oleh komite kredit yang para
anggotanya akan memeriksa dan memberi komentar atas masalah yang ada di aplikasi
kredit. Bank telah mengkinikan internal limit guna
memonitor terjadinya pelampauan BMPK. Selama penilaian aplikasi kredit, account
officer harus memeriksa latar belakang profil perusahaan dan manajemennya, dan juga
informasi yang relevan menurut faktor-faktor yang diperhitungkan mengenai pihak-terkait
dan grup debitur. Per tanggal 31 Desember 2011, saldo
pemberian kredit dalam jutaan rupiah: a. Pihak-terkait : Rp. Nihil
b. Debitur Inti:
- Individual Rp. 2.362.897 - Grup Rp. 2.598.335
1,6 Rencana Strategi Bisnis Bank
Rencana bisnis bank disiapkan dengan mempertimbangkan
faktor internal
dan eksternal dan prinsip kehati-hatian bank.
Untuk faktor internal, pada saat rencana bisnis dibuat melibatkan semua unit bisnis terkait
sehingga akan sejalan dengan rencana kerja dari setiap unit bisnis terkait.
Sedangkan
faktor eksternal,
indikator ekonomi mikro dan makro akan secara ketat
dimonitor seperti tingkat inflasi, nilai tukar dan suku bunga indikasi dari Bank Indonesia.
Pada saat menyiapkan rencana bisnis, Bangkok
Bank kantor
cabang Jakarta
memfokuskan hubungan ke sektor nasabah korporasi. Bank akan terus terlibat dalam
pembiayaan pabrikasi yang menciptakan lapangan kerja dan kepatuhan terhadap ramah
lingkungan.
Investasi komoditi
dalam mempromosikan sektor agro bisnis seperti
1.5 Prudential principles in fund provision to
Related-parties and in Large-exposures .
The bank is prohibited to enter into condition or agreement that obligate bank to provide
fund, which will violate the LLL and credit facility limit granted.
Fund provision to Related- party and or in Large- exposures are in accordance with Bank
Indonesia regulation, which the Legal Lending Limit for related-party and in large
exposure not exceed 10 and 25 , respectively of the bank capital. There was no
breach on the Legal Lending Limit for large exposures and Related- party.
Any credit decision made must be approved by Loan committee meeting and member of
Loan committee will review and comment on the credit application on certain issues.
Bank has updated the internal limit for monitoring the LLL impelemtation.
During the credit application assessment, account officer must check on the back-
ground of
the company
profile and
management, as well as relevant information according to factors counted as related party
and or group borrower. As of December 31, 2011 the outstanding
balance of in million of Rupiah: a. Related- party
Rp. None b. Core debtor :
- Individual Rp 2,362,897
- Group Rp 2,598,335
1.6 Bank’s strategic business plan
Bank business plan is prepared by considering internal and external factors as well as prudent
banking principles. For internal factor, in making business plan projected that involving
all units concerned, so it will be running in- line with working plan of each unit involved.
For external factor, the micro and macro economic indicators will be closely monitored
such as inflation, foreign exchange and Bank Indonesia indicative rates.
In preparing the business plan, Bangkok Bank, Jakarta branch focuses on relationship
with corporate customers sectors. The bank will continue involving in manufacturing that
create employment and complying to the environment. Commodities investment in
promoting agricultural sectors such as cocoa, oil palm, sugar and coconut processing are
given priority. The oil and gas services related
Kategori