deeds of the Constitutional Court. no 77Puu-iX2011 about
a. Paying agent
• Open and close accounts on behalf of the settlor; • Receive and deposit funds into the settlor’s account; • Perform payments from the account of the settlor to the Beneiciary and or other parties; • Records, documents, and document administration related to the settlor account.b. investment agent
• Implemented based on a clear and detail instructions from the settlor, which is tailored to the type of activity or the instruments used. • In the event that the settlor instructed the Trustee to invest the funds other than the activities stipulated in the legislation in force such as the Banking Law and Capital Market Law, the investment fund must be performed by the investment manager.c. Borrowing agent
• Obtain loans with the evidenced of the loan agreement; • Perform hedge transactions; • Reserve funds to pay the loan based on the mechanisms that is established by settlor andor • Other activities associated with the borrowing SETTLOR CRITERIA: a. A corporate customer b. Not ailiated with the bank c. Settlor can act as a Beneiciary EVENT LISTING TRUST a. Trustee shall make a record of the activities on the separate bank accounts, including details of each Trust activity, which at least contains the transactions and positions of Trust treasure. b. Trustee shall record the mutations account separately for each of the settlor and beneiciary.4. Bank Indonesia Regulation No. 1424PBI2012 on Single Ownership
In the Indonesian Banking a. Each Party may only be a Controlling Shareholder PSP at one Bank. This provision is excluded for: 1 PSP in 2 two each Bank that conducts business with diferent principles, namely conventional and based on Sharia principles, and 2 PSP in 2 two Bank, one of which is a mixture of Joint Venture Bank. b. In the event that the PSP: 1 Is involved in more than 1 one Bank, or 2 Purchase shares of another bank, which resulted in becoming PSP in more than one BankParts
» Wholesale Transaction CORPORATE GOVERNANCE
» Retail Deposits Payment CORPORATE GOVERNANCE
» Retail Financing CORPORATE GOVERNANCE
» network Expansion Subiantoro Investor Relations
» Business Process improvement Leadership development Program
» disciplined selling Process implementation
» Low Cost FundsCasa improvement Program
» Products, services, and Process innovation
» organization Capacity development Subiantoro Investor Relations
» risK ManaGEMEnT iMPLEMEnTaTion PrinCiPLEs
» risK PErForManCE rEViEw CORPORATE GOVERNANCE
» risK oVErViEw CORPORATE GOVERNANCE
» suBsidiarY risK ManaGEMEnT CORPORATE GOVERNANCE
» Methodology implementation, risk measurement tools and supporting
» implementation of Capital Calculation based on Basel ii and
» risk management consolidation with subsidiary
» Internal Control and Risk Maturity Enhancement
» Internal Audit Consolidation with Subsidiary
» Thematic audit program focused on wholesale fee-based income,
» Risk-Based Audit Methodology Enhancement and Continuous
» Auditor Competency Improvement CaPiTaL and risK EXPosurEs and BanK risK ManaGEMEnT
» deeds of the Constitutional Court. no 77Puu-iX2011 about
» Bank of Indonesia Regulation No. 148PBI2012 regarding
» Settlor Parties who owned the assets funds
» Trustee Parties who gain authorization to
» Beneiciary Parties who gain beneits of the
» Paying agent Bank of Indonesia Deeds No. 1417 PBI2012 on Trust Activities
» investment agent Bank of Indonesia Deeds No. 1417 PBI2012 on Trust Activities
» Borrowing agent Bank of Indonesia Deeds No. 1417 PBI2012 on Trust Activities
» Merger or Consolidation Bank Indonesia Regulation No. 1424PBI2012 on Single Ownership
» Formation of a Holding Company
» Holding function Bank Indonesia Regulation No. 1424PBI2012 on Single Ownership
» As a PSP Bank Indonesia Regulation No. 1424PBI2012 on Single Ownership
» Bank Indonesia Regulation No. 1425PBI2012 on Foreign
» Commercial Banks based on Business Activity BOOK 1
» BOOK 2 Bank Indonesia Regulation No. 1426PBI2012 on Operations and
» BOOK 3 Bank Indonesia Regulation No. 1426PBI2012 on Operations and
» Bank Indonesia Regulation No. 1427PBI2012 on the
» RISK CAPITAL COMMITTEE RCC-RMC:
» General Speciic CaPiTaL and risK EXPosurEs and BanK risK ManaGEMEnT
» General ASSETS AND LIABILITIES COMMITTEE RCC-ALCO:
» Speciic Funding Loans CaPiTaL and risK EXPosurEs and BanK risK ManaGEMEnT
» General CaPiTaL and risK EXPosurEs and BanK risK ManaGEMEnT
» CAPITAL INVESTMENT COMMITTEE RCC-CIC
» Speciic CaPiTaL and risK EXPosurEs and BanK risK ManaGEMEnT
» OPERATIONAL RISK COMMITTEE RCC-ORC
» Internal Audit Roles and Functions
» The Scope INTERNAL AUDIT FUNCTIONS, INTERNAL AUDIT COVERAGE AND
» Audit Planning and Realization
» Audit Findings Result INTERNAL AUDIT FUNCTIONS, INTERNAL AUDIT COVERAGE AND
» Total Internal Fraud INTERNAL AUDIT FUNCTIONS, INTERNAL AUDIT COVERAGE AND
» Excellence Improvement EXTERNAL AUDIT FUNCTIONS, EFFECTIVENESS OF EXTERNAL AUDIT
» Fraud EXTERNAL AUDIT FUNCTIONS, EFFECTIVENESS OF EXTERNAL AUDIT
» COMPLIANCE FUNCTIONS For the social activity is as follows:
» LONG TERM PLAN CORPORATE GOVERNANCE
» MID-TERM PLAN CORPORATE GOVERNANCE
» SHORT TERM PLAN CORPORATE GOVERNANCE
» PKBL MANDIRI PILLARS BM 2012 AR (English)
» GENERAL 1. Annual Report is presented in good
» SUMMARY OF VITAL FINANCIAL DATA 1. Financial information in comparative
» BOARD OF COMMISSIONERS’ AND BOARD OF DIRECTORS’ REPORT
» COMPANY PROFILE 1. name and address of the company.
» MANAGEMENT ANALYS AND DISCUSSION ON COMPANY
» GOOD CORPORATE GOVERNANCE 1. Information on the Board of
» Financial assets FINANCIAL IMPORTANT
» Financial assets continued FINANCIAL IMPORTANT
» Financial assets continued Financial liabilities
» Reclassification of financial assets
» Classes of financial instrument
» Classes of financial instrument continued
» Offsetting financial instruments FINANCIAL IMPORTANT
» Allowance for impairment losses of financial assets
» Allowance for impairment losses of financial assets continued
» Employee benefit Insurance liabilities on insurance contracts and Liability Adequacy Test LAT
» GOVERNMENT BONDS Determination of fair value
» OTHER RECEIVABLES - TRADE TRANSACTIONS
» DERIVATIVE RECEIVABLES AND PAYABLES
» NET INVESTMENT IN LEASE FINANCING
» INVESTMENTS IN SHARES Determination of fair value
» POLICYHOLDERS’ INVESTMENT AND LIABILITY TO UNIT-LINKED HOLDERS
» PREPAID EXPENSES Determination of fair value
» OTHER ASSETS Determination of fair value
» DEPOSITS FROM CUSTOMERS - DEMAND DEPOSITS
» DEPOSITS FROM CUSTOMERS - SAVING DEPOSITS
» DEPOSITS FROM OTHER BANKS - DEMAND AND SAVING DEPOSITS
» DEPOSITS FROM OTHER BANKS - TIME DEPOSITS
» ACCEPTANCE PAYABLES Determination of fair value
» ACCRUED EXPENSES Determination of fair value
» Tax Payables Tax BenefitExpense
» Tax Expense - Current continued
» Deferred tax assets - net continued
» Tax assessment letter TAXATION a.
» OTHER LIABILITIES Determination of fair value
» SUBORDINATED LOANS Determination of fair value
» Authorised, Issued and Fully Paid-in Capital
» Authorised, Issued and Fully Paid-in Capital continued
» Additional Paid-In CapitalAgio NON CONTROLLING INTEREST IN NET ASSETS OF CONSOLIDATED SUBSIDIARIES
» Additional Paid-In CapitalAgio continued
» INTEREST INCOME AND SHARIA INCOME
» INTEREST EXPENSE AND SHARIA EXPENSE
» ALLOWANCE FOR IMPAIRMENT LOSSES
» ALLOWANCEREVERSAL FOR POSSIBLE LOSSES
» UNREALISED GAINSLOSSES Determination of fair value
» SALARIES AND EMPLOYEE BENEFITS
» EMPLOYEE BENEFITS Determination of fair value
» OTHER OPERATING EXPENSES - OTHERS - NET
» Liabilities 12.49 RELATED PARTY TRANSACTIONS
» SEGMENT INFORMATION Determination of fair value
» CUSTODIAL SERVICES AND TRUST OPERATIONS
» Integrated Banking System Agreement with Vendor
» Legal Matters CHANNELING LOANS
» Value Added Tax VAT on Bank Syariah Mandiri BSM Murabahah Transactions
» Value Added Tax VAT on Bank Syariah Mandiri BSM Murabahah Transactions continued
» Trade Financing with Asian Development Bank ADB
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