Sensitivitas terhadap Risiko Pasar Penetapan Akuntan Publik
4. Rentability In 2010, net interest income reached Rp 11,720
billion, increased 5.3 compared to that of 2009. The low Net Interest Income growth was due to management focus was on improving asset quality.5. Liquidity The liquidity position during 2010, both for Rupiah
and Foreign Exchange, showed a highly favorable condition. With higher Secondary Reserve, the position of the Loan to Deposit Ratio LDR at the end of 2010 reached 70.2. The low LDR was due to infrastructure improvements, particularly in the fields of credit, causing relatively low expansion of credit during 2010.6. Sensitivity to Market Risk Judging from several indicators, namely interest
rate and exchange rate, the level of sensitivity to market risk in 2010 the Company is considered under control. In addition to reporting the results of monitoring the Company’s performance in 2010, the Board of Commissioners deems it necessary to submit to the stakeholders a report on the following matters:1. Changes in Memberships of the Board of Directors and the Board of Commissioners
The Annual General Meeting of Shareholders for Fiscal 2009 on 12 May 2010 decided to change some members of the Board of Directors and the Board of Commissioners. Respective positions, effective upon approval from Bank Indonesia, will be applied to members of the Board of Commissioners as follows: • TirtaHidayat,VicePresidentCommissioner, effective on 12 July 2010 • B.S.Kusmuljono,IndependentCommissioner, effective on 12 July 2010 • BagusRumbogo,Commissioner,effectiveon 12 July 2010 • EkoputroAdijayanto,Commissioner,effective on 12 July 20102. The Appointment of Public Accountant The Annual General Meeting of Shareholders
on 12 May 2010 gave the authority to the Board of Commissioners to appoint a public accountant to perform the external audit work4. Rentabilitas
Pendapatan Bunga Bersih tahun 2010 mencapai Rp 11.720 miliar, meningkat 5,3 dibandingkan tahun 2009. Masih rendahnya pertumbuhan Pendapatan Bunga Bersih tersebut disebabkan karena manajemen masih menitikberatkan perhatiannya pada perbaikan kualitas aset.5. Likuiditas
Posisi likuiditas selama tahun 2010, baik untuk mata uang Rupiah maupun Valuta Asing, menunjukkan kondisi yang sangat baik. Tingginya Secondary Reserve tersebut juga menjadikan posisi Loan to Deposit Ratio LDR pada akhir tahun 2010 mencapai 70,2. Rendahnya LDR tersebut disebabkan oleh perbaikan-perbaikan infrastruktur khususnya di bidang perkreditan, yang menyebabkan ekspansi kredit selama tahun 2010 masih relatif rendah.6. Sensitivitas terhadap Risiko Pasar
Berdasarkan beberapa indikator, yaitu suku bunga dan nilai tukar, tingkat sensitivitas terhadap risiko pasar Perseroan posisi tahun 2010 dinilai terkendali. Selain menyampaikan laporan hasil pengawasan atas kinerja Perseroan tahun 2010, Dewan Komisaris memandang perlu untuk menyampaikan laporan kepada para pemangku kepentingan mengenai beberapa hal sebagai berikut: 1. Penggantian Beberapa Anggota Direksi dan Anggota Dewan Komisaris Pada tanggal 12 Mei 2010, Rapat Umum Pemegang Saham RUPS Tahunan Perseroan Tahun Buku 2009 telah memutuskan penggantian beberapa anggota Direksi dan anggota Dewan Komisaris. Jabatan masing-masing berlaku secara efektif setelah diterimanya persetujuan Bank Indonesia, yang bagi anggota Dewan Komisaris berlaku sebagai berikut: • TirtaHidayat,WakilKomisarisUtama,terhitung tanggal 12 Juli 2010 • B.S.Kusmuljono,KomisarisIndependen, terhitung tanggal 12 Juli 2010 • BagusRumbogo,Komisaris,terhitungtanggal 12 Juli 2010 • EkoputroAdijayanto,Komisaris,terhitung tanggal 12 Juli 20102. Penetapan Akuntan Publik
RUPS pada tanggal 12 Mei 2010 memutuskan untuk memberikan kuasa dan wewenang kepada Dewan Komisaris Perseroan untuk menetapkan Kantor Akuntan Publik KAP yang Laporan Pengawasan Dewan Komisaris Board of Commissioners Supervisory Report BNI•2010AnnualReport BNI•LaporanTahunan2010 BNI•2010AnnualReport BNI•LaporanTahunan2010 39 for the consolidated financial report and partnership program annual report for the year ended 31 December 2010 and to decide the compensation and other terms regarding the appointment of that public accountant. By considering the recommendation from the Audit Committee and the Public Accountant Procurement Team, the Board of Commissioners appointed Public Accountant Firm Purwantono, Suherman Surja Ernst Young to conduct the examination of the Consolidated Financial Report and Partnership Program and Community Development Annual Report for the fiscal year ended 31 December 2010.3. Credit Disbursement In January 2010, the Board of Commissioners has
Parts
» Pegawai yang Profesional Bagus Rumbogo
» Peter B. Stok Fero Poerbonegoro Tirta Hidayat B.S. Kusmuljono Ekoputro Adijayanto
» Sensitivitas terhadap Risiko Pasar Penetapan Akuntan Publik
» Organization and Human Resources According to the Board of Commissioners,
» TOTAL Honggo Widjojo Kangmasto
» Pengembangan Produk Baru Pengembangan Layanan New Product Development
» Service Development Promosi Total Undisbursed
» Infrastruktur dan Sumberdaya Promotion
» Infrastructure and Resources Total Undisbursed
» BNI Honggo Widjojo Kangmasto
» Voice of internal customer 31.72 6.12 12.75
» Program Peningkatan Layanan Bagi Nasabah Customer Service Improvement Program
» Program Pengembangan Pendidikan Honggo Widjojo Kangmasto
» Education Development Program Program Perbaikan Kesehatan
» Program Pengembangan Seni dan Budaya Biaya yang dikeluarkan Health Improvement Program
» Arts and Cultural Program Cost
» Aktivitas Pengelolaan Lingkungan Environmental Management
» UNEP-FI Signatory Member Biaya yang dikeluarkan UNEP-FI Signatory Member
» Expenses Honggo Widjojo Kangmasto
» Independence of the Board of Commissioners Members
» Tugas dan Tanggung Jawab Dewan Komisaris Duties and Resposibilities of the Board of Commissioners
» Pelaksanaan Tugas Dewan Komisaris
» Implementation of Duties of the Board of Commissioners
» Rapat Dewan Komisaris bni ar 2010 th
» Procedures to Determine the Remuneration and Other Facilities for BOC
» Share Ownership of Members of the Board of Commissioners Reach 5 five percent
» Independensi Anggota Direksi Independence of the Board of Directors Members
» Pembagian Bidang atau Sektor Tugas masing-masing Anggota Direksi Division of Duties of the BOD
» Tugas dan Tanggung Jawab Direksi a. Umum Rapat Direksi
» Meetings of the Board of Directors Prosedur Penetapan Remunerasi dan Fasilitas Lain Direksi
» Procedures for Determination of Remuneration and Other Facilities for BOD
» SeminarTrainingWorkshop Direksi bni ar 2010 th
» SeminarsTrainingsWorkshops of the Board of Directors
» Composition of the Audit Committee in 2010
» Independensi Anggota Komite Piagam Komite Audit Independence of Committee Members
» Criteria of the Audit Committee Member
» Tugas dan Tanggung Jawab Komite Audit Duties and Responsibilities of the Audit Committee
» Composition of Committee Members 2010
» Masa tugas Komite Pemantau Risiko
» Tenure of Risk Monitoring Committee Kriteria Anggota Komite Pemantau Risiko
» Membership Criteria Tugas dan Tanggung Jawab Komite Pemantau Risiko
» Duties and Responsibilities of the Risk Monitoring Committee
» Susunan Anggota Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Charter
» Independensi Anggota Komite Remunerasi dan Nominasi Piagam Komite Remunerasi dan Nominasi
» Membership Criteria Committee Responsibilities and Scope of Work
» RCC Membership Structure consists of: Tugas dan Tanggung Jawab Komite
» Duties and Responsibilities of the Committee
» Susunan Anggota Komite Teknologi Tugas dan Tanggung Jawab Komite Teknologi
» Membership Structure Duties and Responsibilities of the Technology Committee
» Ruang Lingkup dan Jenis AuditKonsultasi Metodologi Audit Konsultasi
» Scope and Type of AuditConsultancy Audit Consultancy Methodology Realisasi Pelaksanaan Audit
» Struktur dan Kedudukan SPI Tugas dan Tanggung Jawab SPI IAU Structure and Position
» Duties and Responsibilities of IAU Wewenang SPI
» IAU Code of Conduct Kompetensi Persyaratan Auditor SPI
» Competence IAU Auditor Criteria Perlindungan Hukum kepada Pemimpin dan Auditor SPI
» Legal Protection for IAU Head and Auditor
» Komite Layanan Rencana Jangka Panjang Corporate Plan
» Rencana Jangka Menengah dan Pendek Business Plan
» Medium and Short-Term Business Plan
» gcgbni.co.id. serta PO BOX GCG BNI
» gcgbni.co.id. and PO BOX GCG BNI
» Rencana Strategis Bank = peringkat 2
» Bank Strategic Plan = second rank
» Pendirian Bank Establishment of the Bank
» Rekapitalisasi Recapitalization Struktur dan Manajemen Organizational and Management Structure
» Struktur dan Manajemen lanjutan Organizational and Management Structure
» Anak Perusahaan lanjutan Subsidiaries continued
» Basis of preparation of the consolidated financial statements
» Basis of preparation of the consolidated financial statements continued
» IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» Placements with other banks and Bank Surat-surat berharga
» Marketable securities and Government Bonds continued
» Instrumen keuangan derivatif Derivative financial instruments
» Pinjaman yang diberikan Loans
» Loans continued Sebelum 1 Januari 2010 lanjutan
» Loans continued Sebelum dan setelah 1 Januari 2010
» Aset tetap dan penyusutan Fixed assets and depreciation
» Fixed assets and depreciation continued
» Foreclosed collaterals continued Piutang pembiayaan konsumen Consumer financing receivables
» Consumer financing IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» Simpanan dari bank lain Deposits from other banks
» Fund borrowing continued Pendapatan bunga dan syariah, beban bunga dan bonus Interest and
» Perpajakan Taxation IKHTISAR KEBIJAKAN AKUNTANSI lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» KAS GIRO PADA BANK INDONESIA CURRENT ACCOUNTS WITH BANK INDONESIA
» GIRO PADA BANK INDONESIA lanjutan CURRENT ACCOUNTS WITH BANK INDONESIA
» Berdasarkan jenis dan mata uang lanjutan By type and currency continued
» Berdasarkan peringkat lanjutan By rating continued
» Informasi Other significant information relating to
» TAGIHAN DAN OBLIGASI PEMERINTAH GOVERNMENT BONDS
» OBLIGASI PEMERINTAH lanjutan GOVERNMENT BONDS continued
» OBLIGASI PEMERINTAH lanjutan GOVERNMENT BONDS continued PENYERTAAN SAHAM EQUITY INVESTMENTS
» PENYERTAAN SAHAM lanjutan EQUITY INVESTMENTS continued
» ASET TETAP lanjutan FIXED ASSETS continued ASET LAIN-LAIN - BERSIH OTHER ASSETS - NET
» ASET LAIN-LAIN - BERSIH lanjutan OTHER ASSETS - NET continued
» Berdasarkan jenis dan mata uang By type and currency
» Beban pajak lanjutan Tax expense continued
» Aset pajak tangguhan Deferred tax assets
» Surat ketetapan pajak Tax assessment letter
» CADANGAN UMUM DAN WAJIB GENERAL AND LEGAL RESERVES CADANGAN KHUSUS SPECIFIC RESERVES
» IMBALAN KERJA lanjutan EMPLOYEE BENEFITS continued
» KOMITMEN DAN KONTINJENSI lanjutan COMMITMENTS
» Bank guarantees Irrevocable letters of credit Irrevocable letters of credit
» INFORMASI SEGMEN USAHA lanjutan SEGMENT INFORMATION continued
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued RISIKO KREDIT CREDIT RISK
» RISIKO KREDIT lanjutan CREDIT RISK continued
» RISIKO LIKUIDITAS LIQUIDITY RISK RISIKO LIKUIDITAS lanjutan LIQUIDITY RISK continued
» RISIKO LIKUIDITAS lanjutan LIQUIDITY RISK continued
» RISIKO PASAR lanjutan MARKET RISK continued
» RISIKO OPERASIONAL OPERATIONAL RISK
» NILAI WAJAR FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES continued
» AKTIVITAS FIDUCIARY lanjutan FIDUCIARY ACTIVITIES continued
» AKTIVITAS FIDUCIARY lanjutan FIDUCIARY ACTIVITIES continued HAL-HAL LAINNYA OTHER MATTERS
» HAL-HAL LAINNYA lanjutan OTHER MATTERS continued
» RENCANA BARANG MODAL CAPITAL EXPENDITURE COMMITMENTS KREDIT KELOLAAN CHANNELING LOANS
» PERNYATAAN STANDAR REVISED STATEMENTS
» PERNYATAAN STANDAR REVISED STATEMENTS REKLASIFIKASI LAPORAN
» INFORMASI KEUANGAN TAMBAHAN 53. SUPPLEMENTARY FINANCIAL INFORMATION TANGGUNG JAWAB
» MANAGEMENT’S RESPONSIBILITY ON THE CONSOLIDATED FINANCIAL STATEMENTS
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