strategi Pemasaran Marketing Strategy
8.83 ToTaL asseTs
LiaBiLiTas LiaBiLiTies Liabilitas Keuangan 19,908,027 18,351,285 1,556,742 8.48 Financial Liabilities Liabilitas Non Keuangan 123,563 83,338 40,225 48.27 Non-Financial Liabilities ToTaL LiaBiLiTas 20,031,590 18,434,623 1,596,9678.66 ToTaL LiaBiLiTies
Dana SYIRKAH TeMPoReR 1,105,406 1,170,430 65,0255.56 TeMPoRaRY sYiRKaH FUnD
ToTaL eKUiTas 2,113,690 1,759,829 353,86120.11 ToTaL eQUiTY
ToTaL LiaBiLiTas, Dana SYIRKAH TeMPoReR, Dan eKUiTas 23,250,686 21,364,882 1,885,803 8.83 ToTaL LiaBiLiTies, TeMPoRaRY sYiRKaH FUnD, anD eQUiTY The following inancial performance review refers to the Consolidated Financial Statements for the years ended 31 December 2015 and 2014 as presented in this Annual Report. These inancial statements have been audited by the Public Accounting Firm of Tanudiredja, Wibisana, Rintis Rekan independent member irm of PricewaterhouseCoopers and received the opinion that they have presented fairly, in all material aspects, the inancial position of PT Bank Victoria International Tbk and its Subsidiaries as at 31 December 2015 and 2014, as well as the inancial performance and consolidated inancial statements for the years thus ended, in accordance with the prevailing Financial Accounting Standards in Indonesia. ConsoLiDaTeD sTaTeMenTs oF FinanCiaL PosiTionsParts
» TaBUnGan savinG DePosiTs AR 2015 Bank Victoria Final
» Corporate Lending Commercial Lending
» Transfer RTGs Kredit Implant Banking Kliring Transfer RTGS
» Bills Payment AR 2015 Bank Victoria Final
» aTM victoria AR 2015 Bank Victoria Final
» auto save AR 2015 Bank Victoria Final
» auto Debit AR 2015 Bank Victoria Final
» Western Union AR 2015 Bank Victoria Final
» sKBDn Letter of Credit of the interior
» Bank Guarantee AR 2015 Bank Victoria Final
» Pembayaran Tagihan AR 2015 Bank Victoria Final
» Auto Debet AR 2015 Bank Victoria Final
» sKBDn surat Kredit Berdokumen Dalam negeri
» Bank Garansi AR 2015 Bank Victoria Final
» 99.50 oliver simorangkir 2. Gunawan Tenggarahardja
» 52.43 oliver simorangkir 2. Gunawan Tenggarahardja
» 0.79 oliver simorangkir 2. Gunawan Tenggarahardja
» 7.97 oliver simorangkir 2. Gunawan Tenggarahardja
» 2.50 oliver simorangkir 2. Gunawan Tenggarahardja
» 95.19 oliver simorangkir 2. Gunawan Tenggarahardja
» 17.61 oliver simorangkir 2. Gunawan Tenggarahardja
» 4.75 oliver simorangkir 2. Gunawan Tenggarahardja
» 8.19 oliver simorangkir 2. Gunawan Tenggarahardja
» 12.35 oliver simorangkir 2. Gunawan Tenggarahardja
» 39.37 oliver simorangkir 2. Gunawan Tenggarahardja
» 3.2 oliver simorangkir 2. Gunawan Tenggarahardja
» 4.6 oliver simorangkir 2. Gunawan Tenggarahardja
» 3.8 oliver simorangkir 2. Gunawan Tenggarahardja
» 1.2 oliver simorangkir 2. Gunawan Tenggarahardja
» 1.0 oliver simorangkir 2. Gunawan Tenggarahardja
» 1.9 oliver simorangkir 2. Gunawan Tenggarahardja
» 5.8 oliver simorangkir 2. Gunawan Tenggarahardja
» 4.7 oliver simorangkir 2. Gunawan Tenggarahardja
» 4.5 oliver simorangkir 2. Gunawan Tenggarahardja
» 3.9 oliver simorangkir 2. Gunawan Tenggarahardja
» strategi Peningkatan Kualitas Dana Pihak Ketiga
» strategi Pemasaran strategi Pengembangan Penghimpunan Dana Pihak Ketiga
» Third Party Funds Quality improvement strategy
» Marketing strategy Third Party Funds Collection Development strategy
» strategi Penjualan Third Party Funds Collection Development strategy
» Meningkatkan Portofolio Kredit strategi Pembiayaan Kredit
» Mempercepat Proses Kredit strategi Pembiayaan Kredit
» Meningkatkan Peran dan Kualitas sDM di Bidang Perkreditan
» Meningkatkan Penanganan atau Management Account secara Konsisten
» sales strategy Jaringan Distribusi
» increasing Target Market Lending strategy
» increasing Lending Portfolio Lending strategy
» accelerating Lending Process Lending strategy
» increasing Role and Quality of HR in Lending
» increasing Handling or account Management Consistently
» Mengefektifkan Pengelolaan Jaringan Kantor
» Meningkatkan Perceived strong Presence
» Increasing Eicacy aspek operasional dan Teknologi
» increasing Perceived strong Presence
» ToTaL ToTaL operations and Technology
» ToTaL operations and Technology
» Total Liabilities operations and Technology
» Pemasaran Langsung Direct Marketing
» Direct Marketing operations and Technology
» Pemasaran Tidak Langsung Indirect Marketing
» Market share indirect Marketing
» Market share operations and Technology
» strategi Produk Product Strategy
» strategi Pemasaran Marketing Strategy
» strategi Penjualan Sales Strategy
» Product strategy Development of Third Party Funds Collection
» Marketing strategy Development of Third Party Funds Collection
» sales strategy Development of Third Party Funds Collection
» Meningkatkan Pertumbuhan Portofolio Kredit secara Konsisten
» Melakukan Percepatan Proses Pengajuan Kredit agar Dapat Kompetitif
» setting Goals or Target Market Based on Risk appetite
» increasing Loan Portfolio Growth Consistently
» accelerating Credit application Process in order to be Competitive
» Mengoptimalkan Peran Cabang, Divisi Business dan Divisi Credit Analyst Dalam Peningkatan
» Meningkatkan Peran dan Kualitas sumber Daya Manusia di Bidang Perkreditan
» Meningkatkan PenangananManajemen Account secara Konsisten
» optimizing the Roles of Branches, Business Division and Credit analysis Division in improving
» enhancing the Role and Quality of Human Resources in Lending
» improving account Management Consistently
» Technological and operational aspects
» Perluasan Jaringan Kantor AR 2015 Bank Victoria Final
» Pengembangan Produk dan aktivitas Kredit Baru
» Oice Network Expansion AR 2015 Bank Victoria Final
» Development of new Products and Lending activities
» Go Live Upgrade IT System Untuk Mendukung Proses operasional yang efektif dan efesien
» Go Live Internet Banking dan Mobile Banking
» Meningkatkan Penerimaan Fee Based Income
» Memperoleh izin operasional Menjadi Bank Devisa
» Memperbaiki Kualitas DPK AR 2015 Bank Victoria Final
» Pengembangan segmentasi Kredit UMKM
» Go Live Upgrade IT System to Support Efective and Eicient Operational Processes
» Go Live internet Banking and Mobile Banking
» obtaining the Permit to Become a Foreign exchange Bank
» improving Third Party Funds Quality
» Developing MsMe Credit segmentation
» Penerbitan obligasi AR 2015 Bank Victoria Final
» Pengembangan Jaringan Kantor AR 2015 Bank Victoria Final
» Menjadi Bank Devisa AR 2015 Bank Victoria Final
» Peningkatan Kontribusi Pendapatan Provisi, Komisi, dan Fee Based Income
» Fokus Pada Pengembanganekspansi Kredit sMe dan Komersial
» Pengembangan Produk Kredit dan Pendanaan
» Penggantian Core Banking System
» Bonds issuance AR 2015 Bank Victoria Final
» Becoming a Foreign exchange Bank
» increasing the Contribution of Provision,
» Focus on expansion of Lending to sMe and Commercial segments
» Development of Lending and Funding Products
» ToTaL asseTs switching to a new Core Banking system
» ToTaL LiaBiLiTies switching to a new Core Banking system
» TeMPoRaRY sYiRKaH FUnD switching to a new Core Banking system
» ToTaL eQUiTY switching to a new Core Banking system
» ToTaL switching to a new Core Banking system
» ToTaL ToTaL switching to a new Core Banking system
» interest and sharia expenses
» other operating expenses ToTaL
» non-operating income switching to a new Core Banking system
» non-operating expenses switching to a new Core Banking system
» Bank switching to a new Core Banking system
» subsidiary switching to a new Core Banking system
» 18,434,623 switching to a new Core Banking system
» 1,170,430 switching to a new Core Banking system
» 1,759,829 switching to a new Core Banking system
» non-operating income Loss – net
» income Loss before income Tax
» income Loss after income Tax
» Perubahan struktur organisasi Bank victoria
» Pembentukan Komite Tata Kelola Terintegrasi Berdasarkan Surat Keputusan Direksi No. 017SK-
» Changes in organizational structure of Bank victoria
» establishment of integrated Governance Committee
» Penyusunan Pedoman dan Tata Tertib Komite Tata Kelola Terintegrasi Grup victoria
» Penyusunan Laporan Pelaksanaan Tata Kelola Terintegrasi
» Preparation of the Guidelines and Rules of integrated Governance Committee for victoria Group
» Preparation of integrated Governance
» Pembentukan Komite Manajemen Risiko
» establishment of integrated Risk Management
» Penyusunan Pedoman dan Tata Tertib Komite Manajemen Risiko Terintegrasi Grup victoria.
» Preparation Guidelines and Rules integrated Risk Management Committee for victoria Group.
» The Preparation of integrated Risk Management implementation Report
» Penyusunan Laporan Pelaksanaan Manajemen Risiko Terintegrasi
» Pengawasan aktif Dewan Komisaris
» active supervision by the Board of Commissioners
» Direktur Kepatuhan dan Manajemen Risiko Direktur Kepatuhan dan Manajemen Risiko, yang
» Divisi Kepatuhan Divisi Kepatuhan adalah Satuan Unit Kerja yang
» Director of Compliance and Risk Management
» Compliance Division Compliance Division is a Working Unit in charge
» Penerapan Budaya Kepatuhan AR 2015 Bank Victoria Final
» application of Compliance Culture
» Penerapan Dalam Mengelola Risiko Kepatuhan
» Penerapan Fungsi Kepatuhan Terhadap Kebijakan dan Prosedur serta sistem
» application in Managing Compliance Risk
» The implementation of Compliance Function to the Policies and Procedures and systems
» Penerapan Fungsi Kepatuhan Dalam Penerapan Prinsip Kehati-hatian
» Penerapan Fungsi Kepatuhan Terhadap Komitmen
» The implementation of Compliance Function in the implementation of Prudent Principle
» The implementation of Compliance Function to the Commitment
» The implementation of integrated Compliance Function in victoria Group
» Penerapan Fungsi Kepatuhan Terintegrasi pada Grup victoria
» Pelaporan Lengkap Kejadian Fraud 2. Pengamanan dan penyimpanan
» 99.50 Document safeguard and storage 3.
» 52.43 Document safeguard and storage 3.
» 0.79 Document safeguard and storage 3.
» 7.97 Document safeguard and storage 3.
» 2.50 Document safeguard and storage 3.
» 5.87 Document safeguard and storage 3.
» aspek 1: Hubungan Perusahaan Terbuka dengan Pemegang saham Dalam Menjamin Hak-Hak Pemegang saham.
» aspek 5: Keterbukaan informasi. Document safeguard and storage 3.
» Pengembangan Kompetensi AR 2015 Bank Victoria Final
» Remunerasi Karyawan AR 2015 Bank Victoria Final
» Gender and Work opportunities equality
» Competence Development AR 2015 Bank Victoria Final
» employee Remuneration AR 2015 Bank Victoria Final
» Pelayanan Kesehatan Bank Victoria menyediakan layanan kesehatan
» Program Pensiun Bank Victoria telah mengatur dalam SK Direksi
» Tingkat Perpindahan Turn Over Karyawan
» Healthcare services AR 2015 Bank Victoria Final
» Pension Program AR 2015 Bank Victoria Final
» Financial Literacy infrastructure strengthening Program
» Program Penguatan infrastruktur Literasi Keuangan
» CaPiTaL sTRUCTURe employee Turnover Rate
» sTRUKTUR PeRMoDaLan employee Turnover Rate
» Pengukuran AR 2015 Bank Victoria Final
» Measurement AR 2015 Bank Victoria Final
» Pemantauan AR 2015 Bank Victoria Final
» Pengendalian AR 2015 Bank Victoria Final
» Monitoring Control AR 2015 Bank Victoria Final
» Asset Liabilitiy Committee aLCo
» Divisi Manajemen RisikoTerintegrasi AR 2015 Bank Victoria Final
» Risk Monitoring Committee KPR
» Risk Management Committee KMR
» integratedRisk Management Division AR 2015 Bank Victoria Final
» Risiko Kredit AR 2015 Bank Victoria Final
» Credit Risks AR 2015 Bank Victoria Final
» Risiko Pasar AR 2015 Bank Victoria Final
» Market Risks AR 2015 Bank Victoria Final
» Risiko operasional AR 2015 Bank Victoria Final
» operational Risks AR 2015 Bank Victoria Final
» Risiko Likuiditas AR 2015 Bank Victoria Final
» Liquidity Risks AR 2015 Bank Victoria Final
» Risiko Hukum AR 2015 Bank Victoria Final
» Legal Risks AR 2015 Bank Victoria Final
» Risiko stratejik AR 2015 Bank Victoria Final
» Risiko Kepatuhan AR 2015 Bank Victoria Final
» strategic Risks AR 2015 Bank Victoria Final
» Compliance Risks AR 2015 Bank Victoria Final
» Risiko Reputasi Reputation Risks
» Kepentingan non Pengendali Yang Dapat Diperhitungkan Faktor Pengurang Modal inti Utama: 166,554
» 18.35 Modal inti Tambahan aT-1 -
» d [idr] B- Modal inti Tambahan aT-1 -
» d aa- idn Modal inti Tambahan aT-1 -
» d. a-idn Modal inti Tambahan aT-1 -
» d BBB- idn Modal inti Tambahan aT-1 -
» d F1idn Modal inti Tambahan aT-1 -
» d [idr] BBB- Modal inti Tambahan aT-1 -
» d [idr] BB- Modal inti Tambahan aT-1 -
» d id BBB- Modal inti Tambahan aT-1 -
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