Implementation of Activities AR BJB 2013 ARA FINAL TERAKHIR
2. Pelaksanaan Kegiatan
Selama tahun 2013, beberapa kegiatan penyaluran dana CSR di bidang lingkungan hidup dan sosial kemasyarakatan yang dilakukan bank bjb di antaranya: a. Kegiatan rehabilitasi rumah tidak layak huni. Aktivitas ini diadakan di Kabupaten Sumedang, Kota dan Kabupaten Bogor, Kota Banjar, Kabupaten Kuningan, Kabupaten Sukabumi, Kota Tasikmalaya, Kabupaten Garut, Kabupaten Cianjur, Kota dan Kabupaten Bandung, DKI Jakarta, serta Bali. Kegiatan tersebut dilakukan, bekerja sama dengan Pemerintah Daerah masing-masing, lembaga, atau masyarakat setempat. b. Perbaikan dan peningkatan kualitas hidup masyarakat. Hal ini dilakukan dengan tetap melibatkan peran serta masyarakat dalam pemeliharaannya, di antaranya: in building the relationships with the community. This program not only have a significant impact in improving and enhancing the social and living conditions of the people involved in the program, but also have a broad impact on other communities. One of the effort to improve and enhance social conditions and welfare of the community is through the uninhibitable homes rehabilitation activity. The program is a stimulant which in turn aims to spur the growth of community consciousness, volition, and care in creating livable housing conditions in a healthy and orderly environment. In associations with disasters occured, bank bjb participates in alleviating the burden and recovery of the community’s conditions. Moreover, engaging in the prevention efforts. As known, a lot of natural disasters are the result of human activities themselves. Therefore, bank bjb recognizes the importance of environmental protection as part of disaster prevention efforts through tree planting activities, both in the water catchment areas and coastal breakwater. The Company also has a serious concern related to the waste problem, especially in the urban areas. Because, every day garbage is always produced as excesses of human activity in the area. If left without any serious treatment, it is unlikely to make an area of the city as an ocean of trash. With the right strategy, trash can actually be managed properly and in turn providing economic benefits to the surrounding community.2. Implementation of Activities
During 2013, several CSR fund distribution activities in the environmental and civil society field by bank bjb are among others: a. Rehabilitation of uninhabitable houses activities. This activity was carried out in the Sumedang Regent, the City and Regency of Bogor, CIty of Banjar, Kuningan Regency, Sukabumi Regency, City of Tasikmalaya, Garut Regency, Cianjur Regency, the City and Regency of Bandung, DKI Jakarta, and Bali. These activities were carried out, in collaboration with the respective Local Government, institutions or the local community. b. Restoring and improving the quality of the people’s life This is carried out while still involving the community in the maintenance, among others: Kriteria ARA No. VI.17.2 CORPORATE SOCIAL RESPONSIBILITY TANGGUNG JAWAB SOSIAL PERUSAHAAN bank bjb •LaporanTahunan2013AnnualReport 380 - Peningkatan ekonomi masyarakat desa melalui penerapan teknologi tepat guna berbasis pangan lokal. - Pengadaan mesin giling padi dan mesin pengiris pisang Kelompok Tani Bima Sakti dan Mekar Jaya Kabupaten Bandung Barat. - Pembangunan “Rumah Tempe” dan pengadaan alat. - Bantuan usaha produksi bata merah Yayasan Abdul Djalil Assalafiyah. - Pengembangan usaha ternak domba Kelompok Tani Sami Wargi. - Budidaya ternak domba Kelompok Tani Harapan Muda Kabupaten Cianjur. c. Berpartisipasi dalam kegiatan “Gerakan Sejuta Biopori” di Kota Bandung. Kegiatan ini merupakan salah satu solusi masalah banjir dan sampah karena biopori berfungsi sebagai resapan air dan membantu pelapukan sampah organik menjadi kompos, sehingga menghidupi fauna tanah, yang seterusnya mampu menciptakan pori-pori di dalam tanah. d. Penanggulangan sampah di Kota Bandung. Kegiatan ini dilakukan bekerja sama dengan Dinas Lingkungan Hidup Kota Bandung serta aparat pemerintahan di kelurahan Maleer untuk mendirikan tempat pengolahan sampah. Pengolahan sampah yang didirikan masih dalam lingkungan kecil yaitu tingkat RW dengan kapasitas daya tampung sampah 10 tonhari. Sampah yang masuk ke tempat pengolahan dibagi menjadi dua jenis sampah, yaitu sampah organik dan sampah anorganik. Dari upaya pengolahan sampah organik telah menghasilkan beberapa produk, seperti: - Improvement of the rural economy through the application of appropriate technology based on local food. - Procurement of rice milling machine and banana slicing machine for the Bima Sakti and Mekar Jaya Farmer Groups in the Regency of West Bandung. - The construction of “Rumah Tempe” and the procurement of equipments. - Red brick production business assistance for the Abdul Djalil Assalafiyah Foundation. - Business development of sheep farming for the Sami Wangi Farmer Group. - Sheep farming development for the Harapan Muda Farmers Group in the Regency of Cianjur. c. Participating in the “One Million Biopores Movement” activity in the City of Bandung. This activity is one of the solution to the flooding and garbage problem because biopores serves as a water catchment and help in the weathering of organic waste into compost, preserving the soil fauna, which in turn will create pores in the soil. d Waste handling in the City of Bandung. This activity is conducted in collaboration with the Department of the Environment of the City of Bandung as well as government officials in the Maleer sub-district to establish a waste treatment facility. The established waste management is still in a small environment namely the local level with the waste capacity of 10 tons day. Waste that goes into the processing place is divided into two types of waste, namely organic and inorganic waste. Organic waste treatment efforts have resulted in several products, such as: Introduction Management Discussion Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Corporate Data bank bjb •LaporanTahunan2013AnnualReport 381 Consolidated Financial Statements - Pupuk cair yang sudah bisa dipasarkan dengan harga Rp20.000liter. - Gas metanol yang dapat dipergunakan oleh masyarakat sekitar pengolahan sebagai bahan bakar dalam pengolahan makanan untuk berjualan berupa gorengan. Tak lupa juga, dari gas ini dapat diolah menjadi tenaga listrik yang dipergunakan untuk penerangan di kantor atau tempat pengolahan sampah ini. Sedangkan pengolahan sampah anorganik telah menghasilkan produk berupa plastik yang telah dicacah menjadi bahan baku untuk pembuatan peralatan yang terbuat dari bahan baku plastik. e. Peningkatan ekonomi masyarakat desa melalui penerapan teknologi tepat buna berbasis pangan lokal di Kabupaten Garut dan Cianjur. Pengolahan hasil pertanian dapat dilakukan secara optimal melalui penerapan teknologi tepat guna. Melalui Penerapan teknologi tepat guna diharapkan dapat menghasilkan produk olahan yang lebih baik dan berkualitas serta berdaya jual tinggi, yang pada akhirnya dapat meningkatkan ekonomi masyarakat setempat. f. Bantuan rumah layak huni. Perseroan memberikan bantuan berupa perbaikan total dari rumah Bapak Nomas yang berprofesi sebagai buruh sepatu. Rumah tersebut sebelumnya tergolong sebagai rumah tidak layak huni untuk tempat tinggal karena kondisi lantai tidak menggunakan keramik, tidak memiliki plafon, tutup atap asbes, dinding rumah memakai triplek bekas, seng bekas, spanduk dan tidak memiliki kamar mandi.3. Dampak KeuanganBiaya dari Pelaksanaan Kegiatan.
Parts
» AR BJB 2013 ARA FINAL TERAKHIR
» ASET PRODUKTIF BERMASALAH TERHADAP TOTAL ASET ASET TETAP TERHADAP MODAL 30,81
» Obligasi VII bank bjb Tahun 2011 dengan jumlah pokok obligasi
» Sumber Daya Manusia Teknologi Informasi
» Human Resources Information Technology Kualitas Layanan
» Inorganic growth of assets through:
» Collection of Third-Party Funds Credit Distribution
» Asumsi Proyeksi Keuangan AR BJB 2013 ARA FINAL TERAKHIR
» Assumption on Financial Projection
» Mengembangkan bjb Incorporated. Faktor Pendukung
» Supporting Factors Faktor Penghambat
» Constraining Factor AR BJB 2013 ARA FINAL TERAKHIR
» Melakukan pengembangan Waroeng bjb Type C. Develop the Waroeng bjb Type C.
» The continuous development of bjb Quickcash application
» Penyelamatan dan Penyelesaian terhadap Kredit Existing Rescue and Settlement of Existing Credit
» Kebijakan Open Selling Kredit Mikro Utama KMU Metode Monitoring Kualitas Kredit Mikro
» Main Micro Credit KMU Open Selling Policy Quality of Micro Credit Monitoring Method
» bank bjb juga bekerjasama dengan beberapa perguruan
» as a respond for that matter, bank bjb has formed a collecting
» for the bjb Primary fixed 1 year mortgage product, this is also
» Terhadap bank bjb Syariah To bank bjb Syariah
» Sistem Manajemen Risiko. Risk Management System.
» Evaluasi Atas Efektivitas Sistem Manajemen Risiko.
» Evaluation Of Risk Management Systems.
» Upaya Pengelolaan Risiko. The Efforts to Manage Risks.
» b Disclosure of Net Receivable Based on Economic Sector - Bank Consolidated with Subsidiary
» Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar
» Rekening Administratif Off- Selisih Aset dengan
» KewajibanLiabilities KewajibanLiabilities Market Risk Disclosure using Standardized Approach
» KewajibanLiabilities Selisih Aset dengan
» Rekening Administratif Off-Balance Selisih Aset dengan
» KewajibanLiabilities Market Risk Disclosure using Standardized Approach
» Rekening Administratif Off-Balance KewajibanLiabilities
» Asadi Budiman bank bjb’s risk profile in the fourth quarter of 2012 was low with a stable
» ≥ 8 ≤ 5 ≥ 8 ≥ 2.5 ≥ 8 ≤ 20 Mengelola hubungan kelembagaan counter party.
» Monitor the establishment of work partnerships by bank bjb and
» bjb call 14049 AR BJB 2013 ARA FINAL TERAKHIR
» Kebijakan Program Program Policy
» Pelaksanaan Kegiatan AR BJB 2013 ARA FINAL TERAKHIR
» Implementation of Activities AR BJB 2013 ARA FINAL TERAKHIR
» Dampak KeuanganBiaya dari Pelaksanaan Kegiatan.
» FinancialCost Impact of Implementation Activities. Kebijakan
» Policy Dampak KeuanganBiaya dari Pelaksanaan Kegiatan
» Kebijakan FinancialCost Impact of Implementation Activities Policy
» Dampak KeuanganBiaya dari Pelaksanaan Kegiatan FinancialCost Impact of Implementation Activities
» Kebijakan Policy AR BJB 2013 ARA FINAL TERAKHIR
» Implementation Activities AR BJB 2013 ARA FINAL TERAKHIR
» Pendirian dan informasi umum Bank
» Pendirian GENERAL INFORMATION continued
» Maksud dan tujuan GENERAL INFORMATION continued
» Purpose and objectives GENERAL INFORMATION continued
» Purpose and objectives continued
» Jaringan kantor GENERAL INFORMATION continued
» Office network GENERAL INFORMATION continued
» Manajemen eksekutif GENERAL INFORMATION continued
» Executive management GENERAL INFORMATION continued
» Manajemen eksekutif lanjutan GENERAL INFORMATION continued
» Executive management continued GENERAL INFORMATION continued
» Penawaran umum saham GENERAL INFORMATION continued
» Penawaran umum obligasi GENERAL INFORMATION continued
» Penawaran umum obligasi lanjutan
» Public offering of bonds continued
» INFORMASI UMUM lanjutan AR BJB 2013 ARA FINAL TERAKHIR
» Pendirian dan informasi umum entitas anak
» Establishment and GENERAL INFORMATION continued
» Basis of preparation of the consolidated
» Principles of consolidation SUMMARY
» Prinsip konsolidasi lanjutan SUMMARY
» Principles of consolidation continued
» Penjabaran mata uang asing lanjutan
» Aset keuangan dan liabilitas keuangan
» Giro pada Bank Indonesia dan bank lain
» Current accounts with Bank Indonesia and
» Penempatan pada Bank Indonesia dan bank
» Surat berharga lanjutan SUMMARY
» Marketable securities continued SUMMARY
» Efek-efek yang dibeli dengan janji dijual kembali Reverse Repo
» Efek-efek yang dibeli dengan janji dijual kembali Reverse Repo lanjutan
» Wesel ekspor dan tagihan lainnya
» Instrumen keuangan derivatif SUMMARY
» Derivative financial instruments SUMMARY
» Instrumen keuangan derivatif lanjutan
» Kredit yang diberikan lanjutan
» Pembiayaan syariah lanjutan SUMMARY
» Sharia financing continued Identifikasi dan
» Tagihan dan liabilitas akseptasi
» Acceptances receivable and payable
» Investments in shares SUMMARY
» Fixed assets continued SUMMARY
» Penurunan nilai aset non-keuangan dan
» Beban dibayar dimuka SUMMARY
» Obligations due immediately SUMMARY
» Deposits from customers, Sharia deposits
» Efek-efek yang dijual dengan janji untuk dibeli kembali
» Efek hutang yang diterbitkan
» Debt securities issued SUMMARY
» Efek hutang yang diterbitkan lanjutan
» Debt securities issued continued
» Pendapatan dan beban bunga lanjutan
» Interest income and expense continued
» IKHTISAR IKHTISAR SUMMARY AR BJB 2013 ARA FINAL TERAKHIR
» IKHTISAR SUMMARY AR BJB 2013 ARA FINAL TERAKHIR
» IKHTISAR AR BJB 2013 ARA FINAL TERAKHIR
» SUMMARY AR BJB 2013 ARA FINAL TERAKHIR
» PENILAIAN DAN ESTIMASI AKUNTANSI YANG
» KAS AR BJB 2013 ARA FINAL TERAKHIR
» CASH AR BJB 2013 ARA FINAL TERAKHIR
» GIRO PADA BANK INDONESIA CURRENT
» GIRO PADA BANK INDONESIA lanjutan
» CURRENT AR BJB 2013 ARA FINAL TERAKHIR
» Berdasarkan mata uang CURRENT ACCOUNTS WITH OTHER BANKS
» By currency CURRENT ACCOUNTS WITH OTHER BANKS
» GIRO PADA BANK LAIN lanjutan
» Berdasarkan hubungan Based on relationship Berdasarkan bank
» By bank CURRENT ACCOUNTS WITH OTHER BANKS
» Berdasarkan bank lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» By bank continued CURRENT ACCOUNTS WITH OTHER BANKS
» Tingkat suku bunga rata-rata per tahun
» Average interest rates per annum
» Perubahan cadangan kerugian penurunan
» Movements CURRENT ACCOUNTS WITH OTHER BANKS
» Berdasarkan kolektibilitas CURRENT ACCOUNTS WITH OTHER BANKS
» By collectibility CURRENT ACCOUNTS WITH OTHER BANKS
» Berdasarkan hubungan PENEMPATAN PADA BANK INDONESIA DAN
» Based on relationship PENEMPATAN PADA BANK INDONESIA DAN
» Berdasarkan sisa umur hingga jatuh tempo
» By remaining period until maturity
» Berdasarkan jenis dan mata uang
» Berdasarkan jenis dan nama bank
» By type and counterparty bank
» Movements PENEMPATAN PADA BANK INDONESIA DAN
» TAGIHAN DAN LIABILITAS DERIVATIF
» Berdasarkan mata uang dan jenis
» Berdasarkan hubungan DERIVATIVES RECEIVABLE AND PAYABLE
» SURAT BERHARGA AR BJB 2013 ARA FINAL TERAKHIR
» Berdasarkan jenis dan mata uang By type and currency
» Berdasarkan penerbit MARKETABLE SECURITIES
» By issuer MARKETABLE SECURITIES
» SURAT BERHARGA lanjutan AR BJB 2013 ARA FINAL TERAKHIR
» Berdasarkan penerbit lanjutan MARKETABLE SECURITIES continued
» By issuer continued MARKETABLE SECURITIES continued
» Berdasarkan jatuh tempo MARKETABLE SECURITIES continued
» By maturity MARKETABLE SECURITIES continued
» Berdasarkan efek pemerintah dan bukan
» By government MARKETABLE SECURITIES continued
» EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL KEMBALI
» MARKETABLE SECURITIES AR BJB 2013 ARA FINAL TERAKHIR
» Berdasarkan WESEL EKSPOR DAN TAGIHAN LAINNYA BILLS AND OTHER RECEIVABLES
» Berdasarkan kolektibilitas WESEL EKSPOR DAN TAGIHAN LAINNYA BILLS AND OTHER RECEIVABLES
» By collectibility WESEL EKSPOR DAN TAGIHAN LAINNYA BILLS AND OTHER RECEIVABLES
» WESEL EKSPOR AR BJB 2013 ARA FINAL TERAKHIR
» Berdasarkan KREDIT YANG DIBERIKAN LOANS
» Berdasarkan KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Berdasarkan sektor ekonomi KREDIT YANG DIBERIKAN lanjutan LOANS continued
» By economic sector KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Berdasarkan sektor ekonomi lanjutan
» By economic sector continued
» Berdasarkan periode sisa jatuh tempo
» By remaining period to maturity
» Berdasarkan jangka waktu perjanjian kredit
» By term of credit agreements
» Kisaran suku bunga KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Range of loan interest rates
» Ikhtisar KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Kredit yang direstrukturisasi Restructured loans
» Kredit yang direstrukturisasi lanjutan Restructured loans continued
» Perubahan cadangan kerugian penurunan nilai
» Movements in KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Informasi pokok KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Informasi KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Other significant information relating to loans continued
» Informasi Other significant information relating to
» Berdasarkan jenis akad By type of agreement
» Berdasarkan sektor ekonomi PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» By economic sector PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» Kisaran setara marjin dan bagi hasil
» Range of equivalent margin and profit sharing
» Ikhtisar PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» Non-performing PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» PENYERTAAN SAHAM INVESTMENTS IN SHARES
» Berdasarkan kolektibilitas PENYERTAAN SAHAM lanjutan INVESTMENTS IN SHARES continued
» By collectibility PENYERTAAN SAHAM lanjutan INVESTMENTS IN SHARES continued
» ASET TETAP lanjutan FIXED ASSETS continued
» BUNGA YANG MASIH AKAN DITERIMA INTEREST RECEIVABLES
» ASET LAIN-LAIN lanjutan OTHER ASSETS continued
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY
» SIMPANAN NASABAH DAN SIMPANAN NASABAH SYARIAH
» Simpanan nasabah DEPOSITS FROM
» Rincian deposito berjangka berdasarkan
» Details of time deposits by term
» SIMPANAN NASABAH AR BJB 2013 ARA FINAL TERAKHIR
» Berdasarkan jenis dan mata uang lanjutan
» By type and currency continued
» EFEK-EFEK YANG DIJUAL DENGAN JANJI DIBELI KEMBALI
» EFEK-EFEK YANG DIJUAL DENGAN JANJI DIBELI KEMBALI lanjutan
» Obligasi VII Bank BJB lanjutan
» Bank BJB Bonds VII continued
» Obligasi VI Bank BJB lanjutan
» PINJAMAN YANG DITERIMA BORROWINGS
» PINJAMAN YANG DITERIMA lanjutan BORROWINGS continued
» Hutang pajak PAJAK PENGHASILAN INCOME TAX
» Taxes payable PAJAK PENGHASILAN INCOME TAX
» Manfaat beban pajak PAJAK PENGHASILAN lanjutan INCOME TAX continued
» Tax benefit expense PAJAK PENGHASILAN lanjutan INCOME TAX continued
» Aset pajak tangguhan - neto Deferred tax assets - net
» Aset pajak tangguhan lanjutan
» Deferred tax assets continued
» Surat ketetapan pajak PAJAK PENGHASILAN lanjutan INCOME TAX continued
» Tax assessment letters PAJAK PENGHASILAN lanjutan INCOME TAX continued
» Perubahan Tarif pajak PAJAK PENGHASILAN lanjutan INCOME TAX continued
» Perubahan Tarif pajak lanjutan
» Changes in Tax rate continued
» BUNGA YANG MASIH HARUS DIBAYAR INTEREST PAYABLE
» LIABILITAS LAIN-LAIN AR BJB 2013 ARA FINAL TERAKHIR
» Tingkat bagi hasil Deposito Mudharabah
» Profit sharing from Mudharabah Deposits
» MODAL SAHAM lanjutan SHARE CAPITAL continued
» TAMBAHAN MODAL DISETOR ADDITIONAL PAID IN CAPITAL
» OTHER PAID-UP CAPITAL AR BJB 2013 ARA FINAL TERAKHIR
» PENGGUNAAN LABA DISTRIBUTIONS OF INCOME
» PENDAPATAN BUNGA DAN SYARIAH INTEREST AND SHARIA INCOME
» BEBAN BUNGA DAN BAGI HASIL SYARIAH INTEREST EXPENSE AND SHARIA PROFIT
» PENDAPATAN OPERASIONAL LAINNYA OTHER OPERATING INCOME
» BEBAN OPERASIONAL LAINNYA OTHER OPERATING EXPENSES
» BEBAN OPERASIONAL LAINNYA lanjutan OTHER OPERATING EXPENSES continued
» PENDAPATANBEBAN NON-OPERASIONAL NON-OPERATING INCOMEEXPENSES
» KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
» ASET KEUANGAN AR BJB 2013 ARA FINAL TERAKHIR
» IMBALAN KERJA lanjutan EMPLOYEE BENEFITS continued
» LABA PER SAHAM DASAR BASIC EARNINGS PER SHARE
» TRANSAKSI DENGAN PIHAK-PIHAK BERELASI RELATED PARTY TRANSACTIONS
» TRANSAKSI DENGAN PIHAK-PIHAK BERELASI lanjutan
» RELATED PARTY TRANSACTIONS continued
» KEPENTINGAN NON-PENGENDALI NON-CONTROLLING INTEREST
» INFORMASI SEGMEN USAHA SEGMENT INFORMATION
» INFORMASI SEGMEN USAHA lanjutan SEGMENT INFORMATION continued
» RISIKO KREDIT lanjutan CREDIT RISK continued
» RISIKO NILAI TUKAR FOREIGN EXCHANGE RISK
» RISIKO NILAI TUKAR lanjutan FOREIGN EXCHANGE RISK continued
» RISIKO LIKUIDITAS LIQUIDITY RISK
» RISIKO LIKUIDITAS lanjutan LIQUIDITY RISK continued
» RISIKO SUKU BUNGA INTEREST RATE RISK
» RISIKO SUKU BUNGA lanjutan INTEREST RATE RISK continued
» RISIKO OPERASIONAL OPERATIONAL RISK
» RISIKO OPERASIONAL lanjutan OPERATIONAL RISK continued
» ASET DAN AR BJB 2013 ARA FINAL TERAKHIR
» MONETARY ASSETS AR BJB 2013 ARA FINAL TERAKHIR
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM
» CAPITAL MANAGEMENT AR BJB 2013 ARA FINAL TERAKHIR
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM lanjutan
» MANAJEMEN RISIKO RISK MANAGEMENT
» Risiko hukum MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Legal risks MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Risiko reputasi MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Reputational risks MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Risiko strategis MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Strategic risks MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Risiko kepatuhan MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Compliance risks MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» JAMINAN PEMERINTAH AR BJB 2013 ARA FINAL TERAKHIR
» GOVERNMENT GUARANTEE FOR PAYMENT LIABILITY OF COMMERCIAL BANKS
» Perjanjian penyelenggaraan PERIKATAN-PERIKATAN YANG SIGNIFIKAN SIGNIFICANT AGREEMENTS
» Joint Automatic Teller Machine “ATM” agreement
» Perjanjian penyediaan layanan operasional terminal ATM, CDM dan Drive Thru
» ATM, CDM PERIKATAN-PERIKATAN YANG SIGNIFIKAN SIGNIFICANT AGREEMENTS
» PERIKATAN-PERIKATAN YANG AR BJB 2013 ARA FINAL TERAKHIR
» Memorandum of Understanding MoU and Cooperation Agreements with several state-
» PERIKATAN-PERIKATAN YANG PERIKATAN-PERIKATAN YANG PERISTIWA SETELAH TANGGAL LAPORAN KEUANGAN
» SUBSEQUENT EVENT AR BJB 2013 ARA FINAL TERAKHIR
» PERNYATAAN STANDAR AR BJB 2013 ARA FINAL TERAKHIR
» REVISED AND AR BJB 2013 ARA FINAL TERAKHIR
» 2015 AR BJB 2013 ARA FINAL TERAKHIR
» PENYELESAIAN LAPORAN AR BJB 2013 ARA FINAL TERAKHIR
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