bni ar 2003 th
Sampul Muka
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Daftar Isi
Sampul Muka
Sambutan Direktur Utama
1
Message from President Director
Sambutan Komisaris Utama
8
Message from the President Commissioner
Rangkaian Perjalanan Bank BNI 1946-2002
18
Bank BNI's Journey through Time 1946-2002
Peristiwa penting tahun 2003
20
Significant Events of 2003
Ikhtisar Keuangan
24
Financial Highlights
Ikhtisar Saham
25
Stock Highlights
Bisnis Korporasi
30
Corporate Banking Business
Bisnis Konsumer
34
Consumer Banking Business
Bisnis Komersial
38
Commercial Banking Business
Bisnis Tresuri & Internasional
42
Treasury Banking Business & International
Bisnis Anak Perusahaan
46
Subsidiary Business
Tata Kelola Perusahaan
48
Good Corporate Governance
Laporan Komite Audit
56
Audit Commitee Report
Pengelolaan Resiko
58
Risk Management
Informasi Penting
60
Material Information
Sumber Daya Manusia
66
Human Resources
Teknologi Informasi
68
Information Technology
Peta Navigasi Bank BNI
74
Bank BNI Navigation Map
Progres Restrukturisasi
76
Restucturing Progress
Kinerja Keuangan
78
Financial Performance
Tanggung Jawab Laporan Keuangan
86
Responsibility for the Financial Reporting
Laporan Keuangan
89
Financial Report
Data Perusahaan
193
Corporate Data
Komisaris
194
Board of Commissioner
Direksi
196
Board of Directors
Pejabat Senior
198
Senior Officers
Struktur Organisasi
199
Organisational Structure
Produk & Jasa
200
Products & Services
Informasi Pemegang Saham
201
Shareholder's Information
Jaringan Kantor
202
Offices Network
Opening
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Daftar Isi
Sampul Muka
Sambutan Direktur Utama
1
Message from President Director
Sambutan Komisaris Utama
8
Message from the President Commissioner
Rangkaian Perjalanan Bank BNI 1946-2002
18
Bank BNI's Journey through Time 1946-2002
Peristiwa penting tahun 2003
20
Significant Events of 2003
Ikhtisar Keuangan
24
Financial Highlights
Ikhtisar Saham
25
Stock Highlights
Bisnis Korporasi
30
Corporate Banking Business
Bisnis Konsumer
34
Consumer Banking Business
Bisnis Komersial
38
Commercial Banking Business
Bisnis Tresuri & Internasional
42
Treasury Banking Business & International
Bisnis Anak Perusahaan
46
Subsidiary Business
Tata Kelola Perusahaan
48
Good Corporate Governance
Laporan Komite Audit
56
Audit Commitee Report
Pengelolaan Resiko
58
Risk Management
Informasi Penting
60
Material Information
Sumber Daya Manusia
66
Human Resources
Teknologi Informasi
68
Information Technology
Peta Navigasi Bank BNI
74
Bank BNI Navigation Map
Progres Restrukturisasi
76
Restucturing Progress
Kinerja Keuangan
78
Financial Performance
Tanggung Jawab Laporan Keuangan
86
Responsibility for the Financial Reporting
Laporan Keuangan
89
Financial Report
Data Perusahaan
193
Corporate Data
Komisaris
194
Board of Commissioner
Direksi
196
Board of Directors
Pejabat Senior
198
Senior Officers
Struktur Organisasi
199
Organisational Structure
Produk & Jasa
200
Products & Services
Informasi Pemegang Saham
201
Shareholder's Information
Jaringan Kantor
202
Offices Network
Opening
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