BBNI_Annual Report_2012 - Student Blog

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BBNI_Annual Report_2012 - Student Blog

Daftar Isi ContentsRising to the Challenge 1Jejak Langkah6MilestonesSekilas BNI8BNI in BriefVisi & Misi9Vision & MissionIkhtisar Keuangan10Financial HighlightsInformasi bagi Pemegang Saham 11Information for ShareholdersPenghargaan & Sertifikasi14Awards & CertificationsPeristiwa Penting Tahun 201219Significant Events in 2012Laporan Dewan Komisaris34Board of Commissioners ReportLaporan Pengawasan Dewan Komisaris 40Board of Commissioners SupervisoryReportLaporan DireksiReport of the Board of DirectorsStrategi 20122012 StrategyStrategi 20132013 StrategyBNI Reformasi - BNI Masa DepanBNI Reformasi - The Future of BNIAnalisis & PembahasanManajemenManagement Discussion &AnalysisTinjauan KeuanganFinancial ReviewTinjauan BisnisBusiness ReviewPerbankan BisnisBusiness BankingPerbankan Konsumer & RitelConsumer & Retail BankingPemasaranMarketingPemulihan & Penyelesaian KreditCredit Remedial & RecoveryPerbankan Internasional & TresuriInternational Banking & TreasuryJaringan dan LayananNetwork and ServicesPerusahaan AnakSubsidiariesTinjauan FungsionalFunctional ReviewTeknologi InformasiInformation TechnologySumber Daya ManusiaHuman ResourcesManajemen RisikoRisk Management50586364689090100114120124136142150150154166Tabel Manajemen RisikoRisk Management TableTanggung Jawab SosialPerusahaanCorporate Social ResponsibilityProgram KemitraanPartnership ProgramProgram Bina LingkunganCommunity Development ProgramTata Kelola PerusahaanGood Corporate GovernanceTinjauan Tata Kelola PerusahaanCorporate Governance ReviewStruktur dan Mekanisme Tata KelolaPerusahaanCorporate Governance Structure andMechanismRapat Umum Pemegang SahamGeneral Meeting of ShareholdersDewan KomisarisBoard of Commissioners (BOC)DireksiBoard of Directors (BOD)Komite-komite di Bawah DewanKomisarisCommittees under the Board ofCommissionersKomite-komite di Bawah DireksiCommittees under the Board ofDirectorsProses Tata KelolaGovernance ProcessPenerapan Fungsi Audit InternalInternal Audit Function ImplementationRencana Strategis BankBank Strategic PlanPengungkapan Hal-hal PentingMaterial DisclosuresLaporan Pelaksanaan GCGGCG Implementation ReportSekretaris PerusahaanCorporate SecretaryKode Etik BNIBNI’s Code of ConductSarana Pengaduan InternalInternal Complaint MechanismSarana Pengaduan EksternalExternal Complaints/SuggestionsSosialisasi GCG kepada Pegawai BNIGCG Socialization to BNI EmployeeKesimpulan Umum Hasil SelfAssessment Pelaksanaan GCG padaBankGeneral Conclusion on Self-AssessmentResults on the Bank’s Implementationof GCGLaporan Komite AuditAudit Committee Report203247249256259259262274289308323330341343345352356358360361363369Data PerseroanCorporate DataStruktur OrganisasiOrganization StructureProfil Dewan KomisarisProfile of the Board of CommissionersProfil DireksiProfile of the Board of DirectorsProfil Komite-komiteProfile of the CommitteesProfil Satuan Pengawasan Intern &Sekretaris PerusahaanProfile of Internal Audit & CorporateSecretaryPejabat SeniorSenior OfficersProduk dan JasaProducts and ServicesJaringan KantorOffice NetworkOutlet BNIBNI OutletsInformasi PerusahaanCorporate InformationLaporan KeuanganKonsolidasianConsolidated FinancialStatementsSurat Pernyataan Direksi atas LaporanKeuangan KonsolidasianBoard of Directors’ Statement for theConsolidated Financial StatementsLaporan Auditor IndependenIndependent Auditors’ ReportLaporan Posisi Keuangan KonsolidasianConsolidated Statements of FinancialPositionLaporan Laba Rugi KomprehensifKonsolidasianConsolidated Statements ofComprehensive IncomeLaporan Perubahan EkuitasKonsolidasianConsolidated Statements of Changesin EquityLaporan Arus Kas KonsolidasianConsolidated Statements of Cash FlowsCatatan atas Laporan KeuanganKonsolidasianNotes to the Consolidated FinancialStatementsTanggung JawabPelaporan TahunanResponsibility for AnnualReporting376378382386389390396398400401404405408413415417419622

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