Terhadap bank bjb Syariah To bank bjb Syariah
A. Terhadap bank bjb Syariah
Rencana penambahan setoran modalnya sebesar Rp100 miliar. Hal ini dilakukan untuk penguatan struktur modal bank bjb pada bjb Syariah, sekaligus menunjang peningkatan modal disetor anak perusahaan tersebut, menjadi sedikitnya sebesar Rp1.000.000.000.000 satu triliun rupiah, paling lambat 10 tahun setelah izin diberikan. Hal ini sesuai dengan Peraturan Bank Indonesia PBI No. 1110PBI2009 tentang Unit Usaha Syariah, Pasal 45 Ayat 4. B.1. Insurance on KGB loan, KPR loan, bank guarantee, and micro at bank bjb. B.2. Placement of Askrida funds in bank bjb. C. To BPR Cooperation to the BPR subsidiary, will mainly contribute to the profitability improvement of bank bjb from interest income and dividends income. Programs which will be conducted: C.1. Linkage program credit channeling and executing credit current account. C.2. Host to host between bank bjb and the subsidiary BPR. 2. System Integration The company also plans to merge the systems existing in bank bjb and subsidiary entities. This is conducted with the objective to facilitate in terms of data management. In addition, the integration of these systems will support the host to host cooperation between bank bjb with subsidiaries. This is performed through the switching system. 3. Increase Capital Investments In relations to bank bjb’s plan to strengthen and improve the assets as well as the receipt of dividends, the Company plans to increase the capital investments to the subsidiaries as well as affiliated companies. In accordance with the 2014 RBB, this will be conducted as follows:A. To bank bjb Syariah
The plan to increase its capital investments in the amount of Rp100 billion. This is conducted to strengthen bank bjb’s capital structure at bjb Syariah, simultaneously supporting the increased of paid-up capital of the subsidiary, to be at least in the amount of Rp1,000,000,000,000 one trillion rupiah, no later than 10 years after the permit has been granted. This is in accordance to the Regulation of Bank Indonesia PBI No. 1110PBI2009 on Sharia Business Unit, Article 45 Paragraph 4. Introduction Management Discussion Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Corporate Data bank bjb •LaporanTahunan2013AnnualReport 189 Consolidated Financial Statements B. Terhadap BPR Pada tahun 2014, Perseroan juga berencana menambah modal disetor terhadap BPR yang ada, baik anak perusahaan maupun non-anak perusahaan. Hal in dilakukan atas dasar Peraturan Daerah Provinsi Jawa Barat No. 30 tahun 2010 dalam upayanya meningkatkan daya saing usaha, koordinasi dan efisiensi, serta untuk mengefektifkan pengawasan dan membantu Pemerintah Daerah dalam menggerakan ekonomi kerakyatan. Penyertaan modal tersebut diprioritaskan kepada BPR dengan kondisi kinerja keuangan yang bagus. Total anggaran untuk tambahan setoran BPR anak perusahaan dan non anak perusahaan adalah sebesar Rp.30.650.000.000 tiga puluh miliar enam ratus lima puluh juta rupiah, dengan rincian sebagai berikut: Dalam Ribuan Rp In Thousands Rp Nama Lembaga Name of Institution Kabupaten Regency Modal Disetor Paid-in Capital Kewajiban Modal Disetor Obligation Paid-in Capital Kekurangan Shortage Nominal Nominal Real Pembulatan BPR Perusahaan Anak BPR Subsidiary PD. BPR LPK Warungkondang Subang 7.955.000 51,00 12.255.000 61,59 4.300.000 4.300.000 PD. BPR LPK Garut Kota Garut 8.232.500 46,50 11.532.500 54,91 3.300.000 3.300.000 BPR Non Perusahaan Anak BPR Non Subsidiary PD. BPR LPK Warungkondang Cianjur 2.816.365 12,69 23.460.000 51,00 20.643.635 20.650.000 PD. BPR LPK Saketi Pandeglang 150.000 8,06 300.000 15,00 150.000 150.000 PD. BPR LPK Arahan Kidul Indramayu 210.000 10,99 300.000 15,00 90.000 90.000 PD. BPR LPK Kroya 210.000 10,99 300.000 15,00 90.000 90.000 PD. BPR LPK Balongan 210.000 10,99 300.000 15,00 90.000 90.000 PD. BPR LPK Cantigi Kulon 210.000 10,99 300.000 15,00 90.000 90.000 PD. BPR LPK Sukra 210.000 10,99 300.000 15,00 90.000 90.000 PD. BPR LPK Bongas 210.000 10,99 300.000 15,00 90.000 90.000 PD. BPR LPK Leuwiliang Bogor 165.000 4,63 600.000 15,00 435.000 435.000 PD. BPR LPK Citeureup 165.000 4,63 600.000 15,00 435.000 435.000 PD. BPR LPK Pancoran Mas 420.000 10,99 600.000 15,00 180.000 180.000 PD. BPR LPK Sawangan 420.000 10,99 600.000 15,00 180.000 180.000 PD. BPR LPK Parung Panjang 420.000 10,99 600.000 15,00 180.000 180.000 PD. BPR LPK Cipatujah Tasikmalaya 600.000 7,27 900.000 10,53 300.000 300.000 Total 22.603.865 10,99 53.247.500 15,00 30.643.635 30.650.000 B. To BPR In 2014, the Company also plans to increase the paid-up capital to the existing BPR, both subsidiaries or non subsidiaries. This is performed based on the Regional Regulation of the Province of West Java No. 30 of 2010 in its efforts to improve competitiveness, coordination and efficiency, as well as to streamline monitoring and assist the Regional Government in encouraging the people’s economy. The capital investments is prioritized to BPRs with good financial performance conditions. The total budget for the additional subsidiary and non subsidiary BPRs deposits is in the amount of Rp30,650,000,000 thirty billion six hundred fifty million rupiah with the following details: BUSINESS PROSPECTS PROSPEK USAHA bank bjb •LaporanTahunan2013AnnualReport 190 C. Terhadap PT Asuransi Bangun Askrida Pada tahun 2008, Perseroan telah menyetorkan modal kepada PT Asuransi Bangun Askrida sebesar Rp20 miliar untuk kepemilikan saham sebesar 10,198. Pada tahun 2014, bank bjb berencana menambah setoran modal sebesar Rp5 miliar. Kebijakan ini diambil bukan hanya demi mengoptimalkan penerimaan dividen yang diperoleh. Selain itu, juga untuk mengupayakan adanya wakil bank bjb dalam pengurus PT Asuransi Bangun Askrida. 4. Akuisisi Perusahaan Terkait rencana akuisisi perusahaan, pada tahun 2013 bank bjb sudah melakukan proses penyertaan modal kepada perusahaan asuransi PT Asuransi Staco Mandiri sebesar Rp70,37 miliar. Perseroan telah mengajukan izin ke Bank Indonesia. Bank Indonesia belum memberikan keputusan menolak atau menyetujui rencana aksi korporasi tersebut, melainkan mengembalikan surat permohonan. Hal ini terkait dengan masih adanya persyaratan tambahan yang harus dipenuhi oleh Perseroan Surat BI No. 15188DPKP2013 tanggal 31 Oktober 2013 perihal Permohonan Persetujuan Penyertaan Modal Bank Saudara dan surat BI No. 15217DPKPBd tanggal 9 Desember 2013 perihal Permohonan Persetujuan Modal Bank Saudara. Pada tahun 2014 ini, bank bjb akan mencoba mengusulkan kembali pengajuan ulang rencana penyertaan modal tersebut melalui Otoritas Jasa Keuangan OJK, lembaga berwenang yang baru. Saat ini, kendala utama dalam akuisisi adalah terkait dengan Peraturan Bank Indonesia No. 1511PBI2013 tanggal 22 November 2013 tentang Prinsip Kehati-hatian Dalam Kegiatan Penyertaan Modal. Pada Pasal 10 regulasi itu disebutkan, bank yang akan melakukan penyertaan modal harus memiliki tingkat kesehatan dengan peringkat komposit 1 satu atau 2 dua selama minimal 3 tahun berturut-turut. Sedangkan saat ini, tingkat kesehatan bank bjb berada di komposit 3 tiga. Karena itulah, untuk sementara waktu, bank bjb tidak bisa melakukan penyertaan modal kepada investee. Namun, tidak menutup kemungkinan akan adanya perubahan terhadap peraturan mengenai tingkat kesehatan tersebut pada tahun mendatang. Karena itulah, seandainya rencana akuisisi ini mendapatkan persetujuan dari OJK, maka realisasi anggaran penyertaan modal akan mengalami perubahan menjadi sebagai berikut: C. To PT Asuransi Bangun Askrida In 2008, the Company has invested Rp20 billion of paid up capital to PT Asuransi Bangun Askrida for a 10.198 share ownership. In 2014, bank bjb is planning to increase its capital investment in the amount of Rp5 billion. This policy was taken not only to optimize the receipts of dividends. In addition, to seek the presence of bank bjb representative in the management of PT Asuransi Bangun Askrida. . 4. Acquisition In relations to the company acquisition plans, bank bjb has conducted the capital investments process to the insurance company PT Asuransi Staco Mandiri in the amount of Rp70.37 billion. The company has filed a permit to Bank Indonesia. Bank Indonesia has not given a decision to reject or approve the corporate action plan, instead return the application letter. This is related to the additional requirements which must be met by the Company Letter of BI No. 15188 DPKP 2013 dated October 31, 2013 on the Application for Approval of Capital Investments of Bank Saudara and Letter of BI No. 15217DPKPBd dated December 9, 2013 on the Application for Approval of Capital of Bank Saudara. In 2014, bank bjb will try to resubmit the capital investments through the Financial Services Authority OJK, the new authorized agency. Currently, the main issue in acquisition is related to the Regulation of Bank Indonesia No. 1511 PBI2013 dated 22 November 2013 on the Prudent Principles in Capital Investments Activities. In Article 10 of the mentioned regulation, the bank which will undertake capital investments shall have a sound level with a ranking of composite 1 one or 2 two for at least 3 years in a row. While currently, the soundness level of bank bjb is in composite 3 three. That is why, for the time being, bank bjb cannot conduct any capital investments to the investee. However, does not close the possibility of changes to the provision on the soundness level of the bank in the coming years. Therefore, on the event that the acquisition plan acquires approval from the OJK, the budget realization of the capital investments will be amended as follows: Introduction Management Discussion Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Corporate Data bank bjb •LaporanTahunan2013AnnualReport 191 Consolidated Financial Statements Rencana Penyertaan bank bjb bank bjb investment Plan Juta Rp Million Rp BPR 30.650 BPR PT Asuransi Bangun Askrida 5.000 PT Asuransi Bangun Askrida bank bjb Syariah 100.000 bank bjb Syariah PT Asuransi Staco Mandiri 70.371 PT Asuransi Staco Mandiri Total Penyertaan 206.021 Total Penyertaan RISK MANAGEMENT MANAJEMEN RISIKO bank bjb •LaporanTahunan2013AnnualReport 192 RISK MANAGEMENT MANAJEMEN RISIKO1. Sistem Manajemen Risiko.
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-
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