Market Area bankreport annual report 2017 120
2. Analisis Potensi Pasar Market Share Perusahaan
Bagian pasar yang mampu dikuasai oleh perusahaan apabila dibandingkan dengan penjualan seluruh industrinya total penjualan perusahaan yang sejenis dikenal sebagai Market Share, sehingga dapat dikatakan bahwa market share merupakan proporsi kemampuan perusahaan terhadap keseluruhan penjualan seluruh pesaing, termasuk penjualan perusahaan itu sendiri. Tingkat market share ditunjukan dan dinyatakan dalam angka prosentase. Atas dasar angka tersebut dapat diketahui kedudukan perusahaan dan juga kedudukan pesaing-pesaingnya dipasar, sehingga seringkali tingkat market share dapat dipergunakan dalam pedoman atau standart keberhasilan pemasaran perusahaan dalam kedudukannya dengan pesaing-pesaingnya. Market- Share yang merupakan indikator perusahaan yang mampu menjelaskan tentang : requests can be achieved accessibility or served by the company whole company of the same kind. And also not all the total market is in accordance with the total capacity of the company and corporate goals, for this potential market is part of the market available available market for the company. From the available market potential, not all requests can be fulilled by certain products ofered by the company, as it requires certain requirements, such as product quality. So it is necessary to distinguish the available market and also meet certain qualiied available market requirements. Nevertheless, the available market shares are also still contested by the competitors of the company. So that can happen, the served market companies will be smaller. And also not all parts of the market served will make the target market for the company in accordance with the capabilities and goals of the company. For the target market that will be served by the company is the target which is the plan of market control. However, in the realization, it can happen that the mastery of the market achieved can be lower than the plan. The market share that can be mastered is an actual realized market. This section, when compared with the market that can be fulilled by the whole industry is the ability of market share.2. Analysis of Company Market Share
The market share that the company can control when compared to the sales of its entire industry total sales of the same company is known as Market Share, so it can be said that market share is the proportion of the company’s ability to the overall sales of all competitors, including the sales of the company itself. The market share level is shown and expressed in percentage igures. On the basis of these igures can be known position of the company and also the position of its competitors in the market, so often the level of market share can be used in the guidelines or standard of success in the company’s marketing position with its competitors. Market-Share is an indicator of the company that is able to explain about: 208 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 · Kemampuan perusahaan menguasai pasar. Kemampuan penguasaan pasar dapat dipandang sebagai salah satu indikator keberhasilan. Tujuan perusahaan pada umumnya adalah mempertahankan atau meningkatkan tingkat market share. Sehingga pencapaian tujuan berarti juga dianggap sebagai keberhasilan perusahaan. · Kedudukan posisi perusahaan di pasar persaingan. Berdasaar tingkat market share, kedudukan masing- masing perusahaan dapat dilakukan urutan atau rangkingnya dalam pasar persaingan. Secara berturut-turut posisi perusahaan dapat dibedakan sebagai : Marker Leader, Challenger, Follower, dan Market Nicher. Perlu memilih dan menentukan perusahaan-perusahaan lain yang dianggap sebagai pesaing perusahaan. Rasio ini, dikenal sebagai Relative Market Share adalah lebih realistis. Untuk melihat sejauh mana posisi Bank SulutGo dalam persaingan pasar regional, perlu diungkap seberapa besar porsi yang berhasil dicapai dari total nominal perbankan daerah Sulawesi Utara Gorontalo. Dari capaian kinerja di tahun 2016, jumlah aset perbankan Sulawesi Utara – Gorontalo mencapai Rp50,166,215 juta sedangkan Bank SulutGo mencapai Rp11,279,613 juta. Jumlah ini mencapai 22.48 dari pangsa pasar perbankan daerah Propinsi Sulut -gorontalo. MARKET SHARE TOTAL ASET 2016 – 2015 URAIAN- DESCRIPTION 2015 2016 � BANK SULUTGO 10.736.801 11.279.613 � PERBANKAN PROV. SULUT GORONTALO 47.161.694 50.166.215 � MARKET SHARE 22.77 22.48 • PERTUMBUHAN ASET PT. BANK SULUTGO 0.10 5.06 • PERTUMBUHAN ASET PERBANKAN PROV. SULUGO 6.15 6.37 • The ability of the company to dominate the market. Market capability can be seen as an indicator of success. The company’s goal in general is to maintain or increase the level of market share. So the achievement of the goal means also considered the success of the company. The position of the company in the competitive market. • The position of the company in the competitive market. Based on the level of market share, the position of each company can be done sequentially or ranking in the market competition. In succession the position of the company can be distinguished as: Marker Leader, Challenger, Follower, and Market Nicher. Need to select and determine other companies that are considered as competitors of the company. This ratio, known as Relative Market Share is more realistic. To see how far the position of Bank SulutGo in regional market competition, it is necessary to disclose how a big portion of the total nominal value of North Sulawesi Gorontalo regional banking. From the performance achievement in 2016, the total assets of North Sulawesis-Gorontalo banking reach Rp50,166,215 million while Bank SulutGo reached Rp11,279,613 million. This amount reaches 22.48 of the market share of the regional banking of North Sulawesi-Gorontalo.. Adapun jika ditinjau dari kinerja penghimpunan dana pihak ketiga dari total Rp. 25,456,386 juta dana yang dihimpun perbankan Sulut-Gorontalo, Bank SulutGo berhasil meraih porsi 31.20 atau sebesar Rp7,941,389 minus luar SulutGo, yang tergambar pada tabel dibawah ini. Whereas if viewed from the performance of third party fund accumulation of total Rp25,456,386 million of funds collected by the banks of North Sulawesi-Gorontalo, Bank SulutGo managed to reach the portion of 31.20 or Rp7,941,389 minus outside SulutGo, which is illustrated in the table below. 209 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016Parts
» bankreport annual report 2017 120
» KONTRIBUTIF bankreport annual report 2017 120
» Pemerintah Provinsi Sulawesi Utara
» Pemerintah Gubernur Gorontalo bankreport annual report 2017 120
» Pemerintah Kabupaten Minahasa bankreport annual report 2017 120
» Pemerintah Kabupaten Bolaang Mongondow
» North Sulawesi Provincial Government
» Government of Gorontalo Governor
» Minahasa Regency Government bankreport annual report 2017 120
» Bolaang Mongondow Regency Government
» Pemerintah Kabupaten Gorontalo bankreport annual report 2017 120
» Pemerintah Kabupaten Sangihe bankreport annual report 2017 120
» Pemerintah Kota Manado bankreport annual report 2017 120
» Pemerintah Kota Gorontalo bankreport annual report 2017 120
» Gorontalo Regency Government bankreport annual report 2017 120
» Sangihe Regency Government bankreport annual report 2017 120
» Manado Municipal Government bankreport annual report 2017 120
» Gorontalo Municipal Government bankreport annual report 2017 120
» Pemerintah Kota Bitung bankreport annual report 2017 120
» Pemerintah Kabupaten Boalemo bankreport annual report 2017 120
» Pemerintah Kota Tomohon bankreport annual report 2017 120
» Pemerintah Kabupaten Minahasa Selatan
» Bitung Municipal Government bankreport annual report 2017 120
» Boalemo Regency Government bankreport annual report 2017 120
» Tomohon Municipal Government bankreport annual report 2017 120
» South Minahasa Regency Government
» Pemerintah Kabupaten Pohuwato bankreport annual report 2017 120
» Pemerintah Kabupaten Minahasa Utara
» Pemerintah Kabupaten Bone Bolango
» Pemerintah Kabupaten Gorontalo Utara
» Pohuwato Regency Government bankreport annual report 2017 120
» North Minahasa Regency Government
» Bone Bolango Regency Government
» North Gorontalo Regency Government
» South Bolaang Mongondow Regency Government East Bolaang Mongondow Regency Government
» Pemerintah Kabupaten Bolaang Mongondow Utara
» Pemerintah Kota Kotamobagu bankreport annual report 2017 120
» Pemerintah Kabupaten Minahasa Tenggara
» North Bolaang Mongondow Regency Government
» Kotamobagu Municipal Government bankreport annual report 2017 120
» 24,517,600,000 Southeast Minahasa Regency Government
» 36,205,800,000 Southeast Minahasa Regency Government
» RATA-RATA-AVERAGE Southeast Minahasa Regency Government
» Luas Pasar bankreport annual report 2017 120
» Market Area bankreport annual report 2017 120
» Analisis Potensi Pasar Market Share Perusahaan
» Analysis of Company Market Share
» Segmen Geograis. bankreport annual report 2017 120
» Segmen Demograis. bankreport annual report 2017 120
» Segmen Psikograis. bankreport annual report 2017 120
» Segmen Beneit. bankreport annual report 2017 120
» Segmen Ruang Produk bankreport annual report 2017 120
» Geographic Segment. bankreport annual report 2017 120
» Demographic Segment. bankreport annual report 2017 120
» Psychographic Segment. bankreport annual report 2017 120
» Beneit Segment. bankreport annual report 2017 120
» Product Segment. bankreport annual report 2017 120
» Segmen Faktor Pasar Market Segment.
» Kredit Menegah Korporasi bankreport annual report 2017 120
» Rasio Kredit terhadap Dana Pihak Ketiga LDR
» Loan to Third Party Fund Ratio LDR
» Rasio Kredit Bermasalah NPL dan Tingkat Kolektibilitas Piutang
» Rasio Rentabilitas Atas Aktiva ROA
» Rasio Rentabilitas Atas Ekuitas ROE
» Rasio Pendapatan Bunga Bersih NIM
» Non-performing Loan NPL Ratios and Receivable Collectibility Rate
» Net Interest Margin Ratio NIM
» Rasio Beban Operasi Terhadap Pendapatan Operasi BOPO
» Operating Expense To Operating Income Ratio OEOI
» Tindaklanjut Keputusan Rapat Akte No. 69 Tanggal
» Follow up Meeting Decision of Deed No. 69 May 22,
» Tindaklanjut Keputusan Rapat Akte No. 70 Tanggal 22 Mei 2015
» Follow-up Decision Meeting of Deed No. 70 May 22, 2015 No
» Tindaklanjut Keputusan Rapat Akte No. 71 Tanggal 22 Mei 2015
» Follow-up of Decision Meeting of Deed No. 71 May 22, 2015
» Tindaklanjut Keputusan Rapat Akte No. 72 Tanggal 22 Mei 2015
» Follow up of Decision Meeting of Deed No. 72 May 22, 2015
» Tindaklanjut Keputusan Rapat Akte No. 74 Tanggal 23 Juni 2015
» Follow-up of Decision Meeting of Deed No. 74 June 23, 2015
» Tindaklanjut Keputusan Rapat Akte No. 75 Tanggal 23 Juni 2015
» Follow-up of Decision Meeting of Deed No. 75 June 23, 2015
» Tindaklanjut Keputusan Rapat Akte No. 76 Tanggal 23 Juni 2015
» Follow up of the Decision of Meeting of Deed No. 76 On June 23, 2015
» Tindaklanjut Keputusan Rapat Akte No. 16 tanggal 12 Oktober 2015
» Follow up of the Decision of Meeting of Deed No. 16 dated October 12, 2015
» Tindaklanjut Keputusan Rapat Akte No. 17 tanggal 12 Oktober 2015
» Follow-up of Decision Meeting of Deed No. 17 dated October 12, 2015
» Tindaklanjut Keputusan Rapat Akte No. 18 tanggal 12 Oktober 2015
» Follow-up of Decision Meeting of Deed No. 18 dated October 12, 2015
» Terkait Fungsi Nominasi bankreport annual report 2017 120
» Terkait Fungsi Remunerasi bankreport annual report 2017 120
» Related Nominations Functions bankreport annual report 2017 120
» Related Functions Remuneration bankreport annual report 2017 120
» Dewan Komisaris Board of Commissioners
» Direksi bankreport annual report 2017 120
» Board of Director bankreport annual report 2017 120
» Pengawasan Langsung bankreport annual report 2017 120
» Pengawasan Tidak Langsung bankreport annual report 2017 120
» Pemeriksaan Umum bankreport annual report 2017 120
» Direct supervision bankreport annual report 2017 120
» Indirect supervision bankreport annual report 2017 120
» General audit bankreport annual report 2017 120
» Pemeriksaan Teknologi Sistem Informasi.
» Pemeriksaan Sistem BI-RTGS dan SKNBI
» Pemeriksaan Mendadak bankreport annual report 2017 120
» Information Systems Technology Audit.
» BI-RTGS System and SKNBI Audit
» Sudden Audit bankreport annual report 2017 120
» Pemeriksaan Dengan Tujuan Tertentu
» Kegiatan Investigasi bankreport annual report 2017 120
» Menjadi counterpart OJK, BPK, BI dan pemeriksa eksternal
» Investigation Activities bankreport annual report 2017 120
» Terdapat beberapa pemberitaan negative mengenai
» Hubungan kerja antar pegawai dalam Bank
» Working relationships among employees within the Bank
» CSR has realized, but there is still remaining Unrealized CSR of Rp.14.70300.000, - 12 regions
» Laporan Lengkap; bankreport annual report 2017 120
» Laporan belum 100; bankreport annual report 2017 120
» Belum Melaporkan; bankreport annual report 2017 120
» Full Report; bankreport annual report 2017 120
» Not yet Reported; bankreport annual report 2017 120
» Pendirian Bank Lanjutan Program Rekapitalisasi
» Program Rekapitalisasi Lanjutan GENERAL Continued
» Dewan Komisaris, Direksi dan Karyawan
» UMUM UMUM Lanjutan UMUM Lanjutan UMUM Lanjutan
» Jaringan Kantor GENERAL Continued
» Pernyataan Kepatuhan SUMMARY OF ACCOUNTING POLICIES
» Basis of the Preparation of Financial Statements
» Pengunaan Pertimbangan, Estimasi dan Asumsi Perubahan Kebijakan Akuntansi
» Perubahan Kebijakan Akuntansi Lanjutan
» Perubahan Kebijakan Akuntansi Lanjutan Aset Keuangan dan Liabilitas Keuangan 1. Klasifikasi 1
» Aset Keuangan dan Liabilitas Keuangan Lanjutan
» 1. Classification Continued SUMMARY OF ACCOUNTING POLICIES Continued
» 2. Pengakuan 2 3 Pengukuran biaya perolehan diamortisasi
» 3 Amortized cost measurement SUMMARY OF ACCOUNTING POLICIES Continued
» Aset Keuangan dan Liabilitas Keuangan Lanjutan 4. Pengukuran nilai wajar 4
» 4 Fair value measurement Continued 5. Penghentian Pengakuan 5
» 5 Derecognition Continued SUMMARY OF ACCOUNTING POLICIES Continued
» 6.Saling Hapus 6. Offsetting SUMMARY OF ACCOUNTING POLICIES Continued
» Giro pada Bank Indonesia dan pada Bank Lain
» Penempatan pada Bank Indonesia dan Bank Lain Surat-surat Berharga Marketable Securities
» Surat-surat Berharga Lanjutan SUMMARY OF ACCOUNTING POLICIES Continued
» Marketable Securities Continued SUMMARY OF ACCOUNTING POLICIES Continued
» Kredit Yang Diberikan SUMMARY OF ACCOUNTING POLICIES Continued
» Loans Penyertaan SUMMARY OF ACCOUNTING POLICIES Continued
» Penyertaan Lanjutan SUMMARY OF ACCOUNTING POLICIES Continued
» Aset Tetap SUMMARY OF ACCOUNTING POLICIES Continued
» Fixed Assets SUMMARY OF ACCOUNTING POLICIES Continued
» Aset Lain-Lain SUMMARY OF ACCOUNTING POLICIES Continued
» Liabilitas Segera SUMMARY OF ACCOUNTING POLICIES Continued
» Simpanan Nasabah SUMMARY OF ACCOUNTING POLICIES Continued
» Pinjaman yang Diterima SUMMARY OF ACCOUNTING POLICIES Continued
» Borrowings SUMMARY OF ACCOUNTING POLICIES Continued
» Perpajakan SUMMARY OF ACCOUNTING POLICIES Continued
» Surat Berharga yang Diterbitkan
» Marketable Securities Issued Imbalan Pasca Kerja
» Pendapatan Provisi dan Komisi Transaksi dengan Pihak-pihak Berelasi
» Transaksi dengan Pihak-pihak Berelasi Lanjutan
» Laba per Saham SUMMARY OF ACCOUNTING POLICIES Continued
» Sumber Utama atas Ketidakpastian Estimasi
» 1. Allowance for impairment losses of financial assets .
» 2. Penentuan nilai wajar 2. Determination fair value
» PENGUNAAN ESTIMASI DAN PERTIMBANGAN PENGUNAAN ESTIMASI DAN PERTIMBANGAN
» USE OF ESTIMATES AND JUDGEMENTS
» KAS bankreport annual report 2017 120
» CASH bankreport annual report 2017 120
» CURRENT ACCOUNT WITH BANK NDONESIA
» Pihak-pihak berelasi : Related parties :
» Pihak ketiga : Third parties :
» PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN PLACEMENTS IN BANK INDONESIA AND OTHER BANKS
» SURAT-SURAT BERHARGA MARKETABLE SECURITIES
» SURAT-SURAT BERHARGA Lanjutan MARKETABLE SECURITIES Continued
» SURAT-SURAT BERHARGA Lanjutan bankreport annual report 2017 120
» Berdasarkan Sektor Ekonomi LOANS Continued
» Berdasarkan Jenis Kredit LOANS Continued
» Kredit Yang Diberikan Berdasarkan Kolektabilititasnya
» Kredit Yang Diberikan Berdasarkan Kolektabilititasnya Lanjutan
» Menurut jangka waktu LOANS Continued
» LOANS Continued bankreport annual report 2017 120
» PENYERTAAN INVESTMENTS bankreport annual report 2017 120
» ASET TETAP Lanjutan FIXED ASSETS Continued
» ASET LAIN LAIN bankreport annual report 2017 120
» OTHERS ASSETS bankreport annual report 2017 120
» LIABILITAS SEGERA bankreport annual report 2017 120
» OBLIGATION DUE TO IMMEDIATELY
» SIMPANAN NASABAH bankreport annual report 2017 120
» DEPOSITS FROM CUSTOMERS SIMPANAN DARI BANK LAIN DEPOSITS FROM OTHER BANK
» SIMPANAN DARI BANK LAIN Lanjutan
» DEPOSITS FROM OTHER BANK Continued SURAT BERHARGA YANG DITERBITKAN MARKETABLE SECURITIES ISSUED
» SURAT BERHARGA YANG DITERBITKAN Lanjutan
» MARKETABLE SECURITIES ISSUED Continued
» PINJAMAN YANG DITERIMA bankreport annual report 2017 120
» Utang Pajak Rekonsiliasi Fiskal
» Rekonsiliasi Fiskal Lanjutan TAXATION Continued
» Beban Pajak Aset Liabilitas pajak tangguhan
» BORROWINGS PERPAJAKAN PERPAJAKAN Lanjutan PERPAJAKAN Lanjutan
» LIABILITAS IMBALAN PASKA KERJA LIABILITIES ON EMPLOYEE POST BENEFIT
» LIABILITAS IMBALAN PASKA KERJA Lanjutan LIABILITIES ON EMPLOYEE POST BENEFIT Continued
» LIABILITAS IMBALAN PASKA KERJA Lanjutan
» LIABILITIES ON EMPLOYEE POST BENEFIT Continued D.
» LIABILITAS LAINNYA bankreport annual report 2017 120
» OTHER LIABILITIES bankreport annual report 2017 120
» SHARE CAPITAL EQUITY a. MODAL SAHAM
» EKUITAS EKUITAS Lanjutan bankreport annual report 2017 120
» SHARE CAPITAL Continued EQUITY Continued a. MODAL SAHAM Lanjutan
» EKUITAS Lanjutan bankreport annual report 2017 120
» Komponen Ekuitas Lainnya EQUITY Continued b. Tambahan Modal Disetor
» PENDAPATAN BUNGA bankreport annual report 2017 120
» INTEREST INCOME bankreport annual report 2017 120
» BEBAN BUNGA bankreport annual report 2017 120
» INTEREST EXPENSE bankreport annual report 2017 120
» PENDAPATAN OPERASIONAL LAIN bankreport annual report 2017 120
» OTHERS OPERATIONAL INCOME bankreport annual report 2017 120
» PENYISIHAN KERUGIAN ASET bankreport annual report 2017 120
» ALLOWANCE FOR IMPAIRMENT LOSSES ON ASETS
» BEBAN PERSONALIA bankreport annual report 2017 120
» PERSONALIA EXPENSE bankreport annual report 2017 120
» GENERAL AND ADMINISTRATION EXPENSES
» BEBAN PROMOSI bankreport annual report 2017 120
» PROMOTIONAL EXPENSE bankreport annual report 2017 120
» BEBAN PREMI PROGRAM PENJAMINAN PEMERINTAH
» GOVERNMENT PREMIUMS GUARANTEE PROGRAM EXPENSES
» KERUGIAN DARI PERUBAHAN NILAI WAJAR ASET KEUANGAN
» LOSS FROM CHANGES IN FAIR VALUE OF FINANCIAL ASSETS
» PENDAPATAN BEBAN NON OPERASIONAL
» NON OPERATING INCOME EXPENSES
» LABA PER SAHAM bankreport annual report 2017 120
» EARNING PER SHARE bankreport annual report 2017 120
» DANA PENSIUN bankreport annual report 2017 120
» PENSION FUND IKATAN bankreport annual report 2017 120
» AGREEMENTS 213.449.303.000 bankreport annual report 2017 120
» IKATAN Lanjutan AGREEMENTS Continued
» IKATAN Lanjutan bankreport annual report 2017 120
» AGREEMENTS Continued INSTRUMEN KEUANGAN
» Klasifikasi aset keuangan dan liabilitas keuangan Lanjutan
» INSTRUMEN KEUANGAN Lanjutan FINANCIAL INSTRUMENT Continued b.
» INSTRUMEN KEUANGAN Lanjutan bankreport annual report 2017 120
» FINANCIAL INSTRUMENT Continued b.
» ESTIMASI KERUGIAN KOMITMEN DAN KONTIGENSI
» Penyertaan ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Investment Giro ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Current accounts Aset ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Tabungan Savings Deposito Deposits Kredit yang diberikan Loans Giro Current account
» Giro Lanjutan ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Current account Continued ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Deposito ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Deposits ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Tabungan ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Savings ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Pendapatan bunga ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Interest income ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Pendapatan operasional lainnya ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Beban bunga ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» Interest expense ESTIMATED LOSSES COMMITMENTS AND CONTIGENCIES
» RASIO ASET PRODUKTIF TERHADAP JUMLAH ASET RASIO ASET PRODUKTIF TERHADAP JUMLAH ASET Lanjutan
» Kualitas aset produktif PRODUCTIVE ASSETS RATIO FOR TOTAL ASSETS Continued
» MANAJEMEN RESIKO RISK MANAGEMENT
» MANAJEMEN RESIKO Lanjutan bankreport annual report 2017 120
» RISK MANAGEMENT Continued Resiko Kredit JAMINAN TERHADAP KEWAJIBAN PEMBAYARAN BANK UMUM
» GUARANTEE TOWARDS LIABILITIES OF COMMERCIAL BANKS PAYMENT
» JAMINAN TERHADAP KEWAJIBAN PEMBAYARAN BANK UMUM Lanjutan
» TANGGUNG JAWAB SOSIAL PERUSAHAAN
» PERATURAN-PERATURAN BARU YANG TELAH DITERBITKAN Lanjutan
» NEW RULES THAT HAVE BEEN PUBLISHED Continued INFORMASI TAMBAHAN ADDITIONAL INFORMATION
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