Employees within the Bank.
2. Hubungan kerja antar pegawai dalam Bank
a. Pegawai wajib membina kerjasama yang positif dan produktif, saling menerima dan menghargai didasari ketulusan dan itikad baik. b. Atasan wajib memberikan panutan, arahan, dan bimbingan atas perilaku dan kinerja pegawai yang berada didalam supervisinya. c. Pegawai wajib melaporkan kepada atasannya setiap terjadi kecurian atau kehilangan harta milik Bank yang diketahuinya dalam waktu 2 x 24 jam. d. Saling menghargai, mendorong semangat, dan membina kerjasama dalam tugas dan tanggung jawab masing – masing. e. Meningkatkan integritas, keterbukaan, dan hubungan yang harmonis Kebijakan Akuntansi dan Keuangan Semua informasi yang berhubungan dengan Laporan Keuangan, catatan dan laporan lainnya harus dibuat dengan akurat, lengkap dan sejujur-jujurnya sesuai dengan transaksi Bank. Direksi dan pegawai lain yang ikut serta dalam persiapan dokumen-dokumen bank diharuskan untuk memastikan bahwa dokumen tersebut dibuat dengan jelas, lengkap, akurat dan dapat dimengerti oleh pihak lain. Seluruh transaksi bank harus dilakukan otorisasi oleh manajemen dan sesuai ketentuan yang berlaku. Pemusnahan dokumen bank harus sesuai dengan prosedur dan memenuhi peraturan perundangan yang berlaku. mutation, based on the Directive Orders or Decisions of the Board of Directors or Authorities. f. Employees must hold the secret of oice, the secrets relating to the task and position, whether in the form of written documents, sound recording or command oral statement from Bosses. g. Employees must exert all their power and efort in carrying out the duties assigned to him. h. Employees must obey the rules applicable in the bank. i. Employees are required to comply with the contents of the Joint Working Agreement. j. Employees shall be on duty and perform their duties on speciied days and working hours, unless they are carrying out the Banks duties outside the place of duty.2. Working relationships among employees within the Bank
a. Employees must foster positive and productive cooperation, mutual acceptance and appreciation based on sincerity and good faith. b. The boss is obliged to provide role models, direction, and guidance on the behavior and performance of the employees who are in his supervision. c. Employees must report to their supervisor any occurrence of theft or loss of property of the Bank that is known within 2 x 24 hours. d. Mutual respect, encouragement, and fostering cooperation in their respective duties and responsibilities. e. Improve integrity, openness, and harmonious relationships Accounting and Finance Policy All information relating to the Financial Statements, records and other reports must be accurate, fully and honestly in accordance with the Banks transactions. The Board of Directors and other employees who participate in the preparation of bank documents are required to ensure that the documents are made clearly, completely, accurately and understandably by others. All bank transactions must be authorized by management and in accordance with applicable regulations. Destruction of bank documents must be in accordance with the procedures and meet applicable laws and regulations. 655 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 Keterbukaan dan Kerahasiaan Informasi Keharusan dan larangan dalam hal memelihara Keterbukaan Informasi: 1. Pegawai harus menjaga agar informasi Bank selalu memenuhi karakteristik mudah dipahami, relevan, penting serta dapat diandalkan. 2. Pegawai harus memperlakukan informasi sesuai dengan klasiikasi informasi. 3. Pengungkapan informasi hanya dapat dilakukan melalui media yang telah ditentukan sesuai kebijakan bank dan Bagian SekretariatPejabat yang ditunjuk. Benturan Kepentingan 1. Pegawai dalam melakukan aktivitas bisnis Bank harus selalu menghindari terjadinya benturan kepentingan dan selalu mengutamakan kepentingan Bank. 2. Bank harus selalu menghindari tindakan ilegal, persaingan yang berlebihan tanpa landasan keekonomian serta perilaku yang menyimpang. 3. Bank harus mendukung prinsip – prinsip persaingan usaha yang sehat sesuai dengan peraturan perundang – undangan yang berlaku. Sosialisasi dan Penerapan Kode Etik Perusahaan Guna mengefektifkan nilai-nilai yang terdapat pada Kode Etik Perusahaan, maka Bank SulutGo melalaui jajaran Direksi, Divisi Kepatuhan, dan Divisi Sekretaris Perusahaan melakukan program sosialisasi Kode Etik Perusahaan kepada seluruh pegawai, baik melalui media internal maupun dalam kesempatan pertemuan-pertemuan formal. Dengan adanya kegiatan sosialisasi ini, maka penerapan Kode Etik Perusahaan di Bank SulutGo dapat terinternalisasi pada setiap pegawai. Pelanggaran Kode Etik dan Pemberian Sanksi Sepanjang tahun 2016 terdapat pelangaran kode etik Bank SulutGo sebagaimana tergambar pada laporan penyimpangan internal Bank SulutGo. Disclosure and Conidentiality of Information Requirements and restrictions on maintaining Information Disclosure: 1. Employees should keep the Banks information always meet the characteristics of easy to understand, relevant, important and reliable. 2. Employees should treat the information in accordance with the classiication of information. 3. Disclosure of information can only be done through media that has been determined in accordance with bank policy and the Secretariat Section Oicial appointed. Conlict of Interest 1. Employees in conducting business activities of the Bank should always avoid any conlict of interest and always prioritize the interests of the Bank. 2. Banks should always avoid illegal acts, over-competition without economic foundations and deviant behavior. 3. The Bank shall support the principles of fair business competition in accordance with prevailing laws and regulations. Socialization and Implementation of Corporate Code of Conduct In order to streamline the values contained in the Corporate Code of Conducts, Bank SulutGo passed the Board of Directors, Compliance Division, and Corporate Secretary Division conducted a Corporate Ethics Corporate Socialization program to all employees, either through internal media or informal meetings. With this socialization activity, the application of Corporate Code of Conduct in Bank SulutGo can be internalized to every employee. Infringement of the Code of Conduct and Sanctions Throughout the year 2016 there is a infringement of the Code of Conduct of Bank SulutGo as illustrated in Bank SulutGo internal deviation report. Jumlah Pelanggaran Kode Etik Perusahan- Number of infringement of Company Code of Conduct No Pelaku Pelanggaran- Abuser Keterangan Information Pegawai Tetap- Permanent employee Pegawai Tidak Tetap - Temporary employees 1 4 1 Telah diberi sanksi sesuai ketentuan internal Bank Has been sanctioned in accordance with the internal provisions of the Bank 656 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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