Permodalan Kualitas Aset Manajemen Rentability In 2010, net interest income reached Rp 11,720 Liquidity The liquidity position during 2010, both for Rupiah
1. Capital The Capital Adequacy Ratio CAR reached 18.6
at the end of 2010, well above the minimum requirement and significantly increased as compared to that of 2009, which was 13.8. The increase comes from the rights issue held by the Bank in November 2010. A stronger CAR helps the Bank in developing its business and infrastructure, including better credit expansion.2. Asset Quality At the end of 2010, the gross non-performing
loan ratio is improved by 4.3, from 4.7 in 2009. The asset quality improvement was also the result of continuous efforts by the Directors to manage and reduce the Bank’s non-performing loans.3. Management Compliance to all prevailing regulations was
considered satisfactory, as reflected in the declining number of violations and cases to a level that will not jeopardize the operations of the Company. However, there are things that should be improved and need the attention of Directors and staff, among others things related to provision of credit and monitoring, reporting to Bank Indonesia, and internal control. • memantau,mengevaluasidanmenyempurnakan efektivitas praktik Good Corporate Governance GCG di Perseroan. • melaksanakanpengawasan,melaluikomite- komitenya, untuk memastikan terselenggaranya sistem pengendalian intern yang efektif, sistem akuntansi pelaporan keuangan yang terintegrasi dan memiliki transparansi pengungkapan yang dapat dipertanggungjawabkan, serta memastikan proses dan sistem manajemen risiko yang terintegrasi. Kinerja 2010 Kinerja keuangan Perseroan tahun 2010 menunjukkan pencapaian target dan hasil yang baik, terutama apabila dibandingkan dengan pencapaian hasil tahun buku sebelumnya. Meskipun tidak seluruh target bisnis dapat dicapai, namun terdapat perbaikan kuantitas maupun kualitas pada pos-pos dan rasio keuangan, yang besarannya tercermin pada pencapaian Laba Bersih tahun 2010 sebesar Rp 4.102 miliar, atau tumbuh sebesar 65,1 dibandingkan tahun 2009.1. Permodalan
Rasio Kecukupan Modal CAR pada posisi akhir tahun 2010 sebesar 18,6, di atas ketentuan CAR minimum dan mengalami peningkatan signifikan dibandingkan tahun 2009 sebesar 13,8. Peningkatan tersebut bersumber dari hasil rights issue yang dilaksanakan Perseroan pada bulan November 2010. Dengan CAR yang semakin menguat, Perseroan dapat melakukan upaya-upaya untuk pengembangan bisnis dan infrastruktur secara lebih leluasa, termasuk melakukan ekspansi kredit dengan lebih baik.2. Kualitas Aset
NPL Gross akhir tahun 2010 sebesar 4,3, lebih baik dibandingkan tahun 2009 sebesar 4,7. Perbaikan kualitas aset tersebut antara lain merupakan hasil dari upaya Direksi dan jajarannya dalam melakukan upaya perbaikan dan penyelesaian kredit bermasalah.3. Manajemen
Tingkat kepatuhan atas ketentuan yang berlaku dinilai baik, tercermin dari menurunnya jumlah pelanggaran dan kasus dalam tingkat yang tidak membahayakan kegiatan operasional Perseroan. Namun demikian, masih terdapat hal-hal yang perlu ditingkatkan dan mendapat perhatian Direksi dan jajarannya, antara lain terkait proses pemberian dan pemantauan kredit, penyampaian pelaporan kepada Bank Indonesia dan fungsi pengendalian intern. BNI•2010AnnualReport BNI•LaporanTahunan2010 38 BNI•2010AnnualReport BNI•LaporanTahunan20104. 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
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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