Business Process improvement Leadership development Program
4. organization Capacity development
CBB Directorate continues its efort to enhance organization capacity through network intensiication and extension. The network extension is focused more on the Business Banking segment to widen potential areas that are not yet covered within the existing network of Business Banking.5. Employees and Leadership
development The recruitment of human resource HR for cBB Directorate was developed by recruiting the candidates with understanding on the market and characteristic of the areas and by considering wider operations of cBB business. To that end, the recruitment was prioritized from local areas and is adjusted with the requirement proiles of each area. A disciplined and implementation of sustainable work programs and strategic initiatives by all elements in cBB Directorate is required to achieve the set targets. 2013 will be a challenging year, though cBB Directorate will embark 2013 with optimism through the spirit of “collaboration, innovation, Building the country, Building indonesia;” supported by the values of Bank Mandiri Trust, integrity, Professionalism, customer Focus and excellence as well as consistent implementation of good corporate governance. INSTITUTIONAL BANKING Contribution Margin Rp.billion Fee income Rp.billion Total low cost Fund Rp.trillion Total Deposits Rp.trillion Forex Rupiah net interest income Rp.billion cost of liabilities 100 2 10 100 10 5 300 6 30 300 30 15 200 4 20 200 20 10 400 8 40 400 40 20 500 10 50 500 50 25 2010 2011 2012 2010 2011 2012 2010 2011 2012 2010 2011 2012 2010 2011 2012 2010 2011 2012 n Forex n Rupiah Business oveRvieW AnD conDiTion PT Bank Mandiri Persero Tbk. insTiTuTionaL BanKinG The Directorate of Institutional Banking has a central role that manages particular segments of ministries or State agencies and State-owned Enterprises, as well as national and international private clients. In their operational activities Directorate of Institutional Banking adheres in the vision “to make Bank Mandiri a Major Partner For Institutions and government agencies” with a mission that strived to improve execution of the value chain and the alliance of the Institutional segment of government agencies and State-owned Enterprises; as well as being the main partner in the management of funds and investments to optimize revenue and proit pools especially in wholesale transaction. Despite new challenges in worldwide banking industry in 2012, institutional Banking Directorate remained focus to maintain its position in the banking industry. The Directorate continuously strives to enhance product competitiveness. The Directorate ofers enhanced features especially related to product variations, lexibility to the customers as well as competitive pricing, by upholding the principles of good corporate governance. 2. Developing an integrated academic system with payment system. The objective was to manage the inance and academic data of state universities PTn. 3. The management of Margin Fund of PT Kliring Berjangka indonesia KBi. The objective was to provide banking service in derivatives clearing transactions, such as saving accounts opportunities for the investors. 4. Developing on-line system for registration and payment settlement for court cases through web in which Bank Mandiri acts as the bank to manage the case funds. Total fund under the management of institutional Banking group. Total Fund Rp44.7 Tn The institutional Banking Directorate succeeded in implementing several national scale projects in 2012 such as the national selection of entrance to state university Program snMPTn year 2012. Bank Mandiri is established as a single partner bank in this program for a period of 5 years 2008-2012. Further, the Bank also supported the selection of new students enrollment for state islamic university Program sPMB PTAin. As a business entrance-gate, the Directorate of institutional Banking together with the Product Development team, supported by iT team and related working units has developed a comprehensive solutions, products and services to meet the customers’ needs such as: 1. Hospital Billing system. This system replaced the hospital cashier functions with Bank Mandiri teller through online terminal system. The service was conducted in several Public service Agency Blu hospitals under the management of Health Ministry of the Republic of indonesia.Parts
» 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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