LAPORAN TAHUNAN 2009 ANNUAL REPORT
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 2009, saldo pemberian kredit dalam jutaan rupiah:
a.
Pihak-terkait : Rp. Nihil b.
Debitur Inti: - Individual Rp.1.474.856
- Grup Rp. 594.043
1.7 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
kakao, kelapa sawit, gula merupakan juga hal yang
mendapat prioritas.
Juga akan
mempertimbangkan service terkait bisnis minyak dan gas. Kami menawarkan strategi
bersaing yang mencakup di dalamnya peningkatan pelayanan kepada nasabah,
proses dan sistem operasi serta target dari unit bisnis kami.
Setiap kwartal, komite manajemen akan mengkaji
ulang antara
realisasi bisnis
dibandingkan dengan rencana bisnis bank guna terus memonitor masalah yang ada yang
akan menimbulkan penyimpangan
yang signifikan,
untuk kemudian
dicari 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, 2009 the outstanding balance of in million of Rupiah:
a. Related- party Rp. None
b. Core debtor : - Individual
Rp 1,474,856 - Group
Rp 594,043
1.7 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
creates employment and complying to the environment. Commodities investment in
promoting agricultural sectors such as cocoa, oil palm, sugar is given priority. The oil and
gas services related business and chemicals would also be considered. We offered our
competitive strategy that includes improving our customer service, process and operational
system as well as performance target for our business units.
On quarterly basis, management committee will review the actual realization or
achievement and comparing to the bank business plan target in order to monitor the
problems occurs that will cause any big deviation and then to solve and improve the
performance
. Therefore, bank business plan is to provide
financial support
to the
prospective
