DOCSLIB.ORG

Excellence. Building Trust. Creating Value. Company Profile

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text

Load more

Excellence. Building Trust. Creating Value. Company profile PwC Global Network Our People PwC global network is one of the world’s 236,235 To be the leading professional services largest professional network of services firms. network and provide our clients with Drawing on the knowledge and skills of more the quality advice they deserve, PwC than 236,000 people in 158 countries, we build people needs the best talent. In FY2017, our relationships by providing services based on global headcount grew 5.7% to more quality and integrity. including 11,181 than 236,000 people. PwC’s people around the world are united by a partners and We welcomed a record 59,252 people commitment to quality and excellence. To that to PwC, which is a testament to our end, we have developed global audit 225,054 staff reputation for offering exceptional methodologies, processes, knowledge bases opportunities for development and and technologies, and we continue to rework advancement. PwC’s global presence and refine them. Our firm comprises a remains strong with offices in 736 worldwide group with a multidisciplinary skill locations across 158 countries. base and deep expertise in financial and 158 736 business affairs as well as a shared dedication Unrivalled client base to common values and ethics. countries locations We are business. The strength of our Global Network means that we work with an unrivalled client base, and that we can share our most valuable practical experience and knowledge of best practices with clients around the world, both within their 59,252 people industry and across industries Our clients range from some of the joined PwC firms world’s leading multinational companies to new and growing around enterprises, from large family businesses and governments to NGOs the world in FY 2017 and private individuals. And they’re located in nearly every country in the world. Company profile (continued) But whoever our clients are, and wherever they A selection of our current and previous are located, they can expect the same high levels global banking audit clients: of service. We focus on the value they’re looking to create and deliver our strong global network 1. HSBC Holding plc with deep roots and local knowledge. 2. China Construction Bank 3. Bank BNP Paribas PwC firms is proud to have the largest Global 500 4. Commonwealth Bank of Australia clientele. In the past year, we have helped 419 5. WestpacBanking Corporation (84%) of the companies in the Fortune Global 6. Bank of America MerillLynch 500 list. We also advise and work with more than 7. DBS Bank 100,000 entrepreneurial and private businesses Unrivalled client base 8. Commerzbank around the world. 9. CIMB Group PwC has a holistic approach to serve all sub- 10. American Express Bank Ltd. sectors within the financial services industry. We 11. Agricultural Bank of China recognise that clients need auditors and advisors 12. Barclays Bank who are sub-sector specialists -banking, capital 13. Bank of China markets, investment management and insurance. 14. Bank of Tokyo Mitsubishi UFJ We have aligned our practice with the industry's 15. Banco Popular Espanol structure to ensure that our professionals possess 16. Credit Agricole a comprehensive understanding and have sharp insights of our clients and the sub-sectors in which they operate to deliver value to our clients. The PwC Global financial services group, with its 49,000 professionals, delivers professional services to clients in all of these sub-sectors and generates about 26% of PwC's global income. PwC firms is the market leader in all major sectors of the global financial services industry. Company profile (continued) PwC Indonesia PwC Indonesia Clients – Banking The PwC global network, currently through KAP No Name of the Company Years Tanudiredja, Wibisana, Rintis & Rekan, has been 1 Bank CIMB Niaga 2003 – present operating in Indonesia since 1971 as a member firm of PricewaterhouseCoopers International Limited. PwC 2 Bank OCBC NISP 2005 – present Indonesia have over 1,800 professional employees 3 Bank of America 2005 – present included 55 partners in Indonesia who are trained in providing independent audit, assurance and advisory 4 Bank of Commonwealth 2007 – present services to Indonesian and international companies, government, and non-profit organisations. Our 5 Bank DBS Indonesia 2008 – present employees are bilingual and have an in-depth 6 Bank Woori Saudara 2011 – present knowledge of the local business environment. 7 Bank Victoria International 2014 – present In Indonesia, we work with prominent players in 8 Bank Syariah Mandiri 2015 – present diverse financial industry sector, from state owned to privately owned enterprises, from bank, insurance, 9 Bank Central Asia 2017 – present multi finance, sharia finance and securities company. 10 Bank Danamon 2017 – present Our commitment to the industry is unmatched and demonstrated by our active participations in industry 11 Bank Mandiri 2010 – 2014 associations in Indonesia and our thought leadership 12 Bank Negara Indonesia 2012 – 2015 on issues affecting the industry. Over 200 of our more than 1,800 professionals of PwC Indonesia are 13 Bank Permata 2017 - present dedicated to serve financial services industry. 14 Bank BTPN 2009 - present These people possess an in-depth understanding of business, industry and regulatory specific issues. A strong on-the-ground team in Indonesia with extensive experience in the Indonesian insurance, banking and financial services industry enables us to offer an integrated and coordinated service to best serve the client’s interests. Company profile (continued) PwC Recognition . PwC firms was categorised as one of 100 Best Company based on Brand Global Finance, at the . PwC were awarded as Accountancy Firm of the Year by highest rank among other Professional Services Firm Merger Market and Financial Times, at the Asia Pacific (Big 4) - 2017 M&A Awards - 2009 & 2013 . PwC firms was ranked fourth among the . PwC firms were recognised as the Best Auditor during the DiversityIncTop 50 Companies by DiversityInc - 2017. 2009 Asian Investor Service Provider Awards in the category of Fund Advice. PwC wins International Accounting Bulletin's "Audit Innovation of the Year" for Halo for Journals - 2016 . Energy Risk Consultancy of the year - 2016 . Most Admired Knowledge Enterprises (MAKE) award (15th consecutive years) - 2016 . Global Treasury advisory practice award (15th consecutive years) - 2016 . PwC Indonesia was recognized as the “Indonesian Tax Firm of the year 2016” by International Tax Review . Private Equity Financial Adviser of the Year from Merger market - 2015 . InternationalAssociation of Outsourcing Professional was recognised PwC Strategy & as the best Company in ‘World’s Best Outsourcing Advisors’ list - 2015.
Recommended publications
  • Growing with Our Customers

    Growing with Our Customers

    Annual Report 2015 Growing with Our Customers Annual Report 2015 Growing with Our Customers Growing 2015 Annual Report Growing with Our Customers Theme Journey PT Bank Danamon Indonesia, Tbk. 2011 2012 Opening Opportunities Dedicated to Excellence & Membuka Peluang for Growth Delivering Value Menuju Hidup Lebih Baik Opening Opportunities for Growth In 2011, Danamon celebrated Banknotes that circulate within a its 55th anniversary. Over the community can be works of art with Membuka Peluang Menuju Hidup Lebih Baik course of 55 years, Danamon high aesthetic value. As a financial Opening Opportunities for Growth has evolved to become a modern institution, Danamon wishes to financial institution, serving appreciate the beauty of unique customers, from individual fonts, pictures, colors and printing customers and micro businesses techniques. Ideas and symbolic to large scale business. meanings depicted in banknotes are Laporan Tahunan 2011 Annual Report Laporan Tahunan presented through the Indonesian Laporan Tahunan Annual Report 2011 2011 saw achievements in Banknote Series and as featured in PT Bank Danamon Indonesia, Tbk. Menara Bank Danamon Jl. Prof. Dr. Satrio Kav. E-IV No. 6 Laporan Tahunan many sectors, serving as the a number of Danamon’s corporate Mega Kuningan, Jakarta 12950, Indonesia Annual Report 2011 Tel. 62 21 5799 1001-03 Fax. 62 21 5799 1160-61 PT Bank Danamon Indonesia, Tbk. www.danamon.co.id foundation for the next cycle materials. of growth for Danamon. Such achievements open the way for Danamon to increase its presence and open up more opportunities towards for better living. 2013 PT Bank Danamon Indonesia, Tbk. 2014 Annual Report 2014Enhancing Our PT Bank Danamon Indonesia, Tbk.
  • Analisis Kinerja Keuangan Perbankan Pt Bank Tabungan Negara (Persero) Tbk Pada Periode Tahun 2017 – 2019

    Analisis Kinerja Keuangan Perbankan Pt Bank Tabungan Negara (Persero) Tbk Pada Periode Tahun 2017 – 2019

    ARTIKEL ANALISIS KINERJA KEUANGAN PERBANKAN PT BANK TABUNGAN NEGARA (PERSERO) TBK PADA PERIODE TAHUN 2017 – 2019 Fajar Fauzan Kemal1, Ikman Noor Fiqri2, Inayah Maryam Maajid3, Dila Afriyani4, Muhamad Dzikri Abdurohman5, Muhammad Iqbal Ramdhani6 1,2,3,4,5,6Universitas Islam Negeri Sunan Gunung Djati Bandung Email : [email protected] Abstrak Penelitian ini berjudul Analisis Laporan Keuangan Menggunakan Metode Rasio Keuangan Untuk Menilai Kesehatan Perbankan Bank Tabungan Negara (Persero) Tbk pada periode 2017 - 2019. Penelitian ini bertujuan untuk menganalisis kinerja perusahaan melalui metode rasio keuangan. Jenis data yang digunakan dalam penelitian ini yaitu data sekunder yang bersumber dari annual report PT Bank Tabungan Negara (Persero) Tbk dari tahun 2017 sampai dengan 2019 serta data pedukung lainnya. Dari hasil penelitian didapatkan bahwa hasil rasio keuangan menunjukan kinerja yang sangat baik dari tahun 2017 sampai dengan 2019 dan berdasarkan dari kriteria Bank Indonesia kinerja keuangan dapat dikategorikan dalam kategori sehat. Kata Kunci : Rasio Keuangan, Tingkat Kesehatan Perbankan Abstract This study is entitled Financial Statement Analysis Using the Financial Ratio Method to Assess the Banking Health of Bank Tabungan Negara (Persero) Tbk in the period 2017 - 2019. This study aims to analyze the company's performance through the financial ratio method. The type of data used in this study is secondary data sourced from the annual report of PT Bank Tabungan Negara (Persero) Tbk from 2017 to 2019 as well as other supporting data. From the results of the study it was found that the results of financial ratios showed very good performance from 2017 to 2019 and based on Bank Indonesia criteria financial performance can be categorized in the healthy category.
  • Card Fraud Worldwide Unionpay, Visa, Mastercard, JCB, American Express, Diners Glo�Al Loss�S �N �B�L

    Card Fraud Worldwide Unionpay, Visa, Mastercard, JCB, American Express, Diners GloAl LossS N BL

    FOR 46 YEARS, THE LEADING PUBLICATION COVERING PAYMENT SYSTEMS WORLDWIDE OCTOBER 2016 / ISSUE 1096 Top Card Issuers in Asia–Pacific See charts on pages 10 and 11 for the 50 largest issuers of Card Fraud Worldwide UnionPay, Visa, Mastercard, JCB, American Express, Diners Global Losses in $Bil. 20102020 Club, and Maestro general purpose credit, debit, and prepaid consumer and commercial cards as well as domestic general with Cents per $100 of Total Volume > see p. 9 $32.82 $31.67 Real-Time Payments in the U.S. $31.26 $27.69 The Clearing House Payments Company signed a contract $24.71 $21.84 in December 2015 for software from U.K.-based VocaLink needed to create a new interbank payment system that will give $18.11 consumers and businesses the ability to send and receive payments $13.70 $11.27 > see p. 9 $9.84 $7.60 Personetics Adds Chatbot Commerce Services Digital customer service technology from Personetics, first 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 deployed three years ago, helps payment card issuers cut costs through predictive models that anticipate a cardholder’s question 7.2¢ 7.2¢ 7.3¢ 7.0¢ 6.9¢ or problem when they make initial contact in an online session. 6.5¢ 6.2¢ > see p. 5 5.2¢ 5.5¢ Credit Card Portfolio Sales 5.1¢ 4.5¢ Capital One, the 4th largest Visa/Mastercard credit card issuer in the United States, will buy the outstanding credit card receivables of Cabela’s, the 14th largest U.S. issuer. The contract includes © 2016 The Nilson Report a 10-year deal for Capital One to issue co-branded credit cards > see p.
  • Wolfsberg Group Anti-Money Laundering Questionnaire Wolfsberg Group

    Wolfsberg Group Anti-Money Laundering Questionnaire Wolfsberg Group

    • the The Wolfsberg Group Anti-Money Laundering Questionnaire Wolfsberg Group Financial Institution Name : Bank Negara Indonesia (Persero) Tbk Location : Jakarta, Indonesia This questionnaire acts as an aid to firms conducting due diligence and should not be relied on exclusively or excessively. Firms may use this questionnaire alongside their own policies and procedures in order to provide a basis for conducting client due diligence in a manner consistent with the risk profile presented by the client. The responsibility for ensuring adequate due diligence, which may include independent verification or follow up of the answers and documents provided, remains the responsibility of the firm using this questionnaire. Anti-Money Laundering Questionnaire If you answer "no" to any question, additional information can be su lied at the end of the uestionnaire. nWILL500- - Practices: " 1 Is the AML compliance program approved by the FI's board or a senior committee? 2. Does the Fl have a legal and regulatory compliance program that includes a designated officer that is 4 responsible for coordinating and overseeing the AML framework? 3. Has the Fl developed written policies documenting the processes that they have in place to prevent, detect and 4 report suspicious transactions? 4. In addition to inspections by the government supervisors/regulators, does the Fl client have an internal 4 audit function or other independent third party that assesses AML policies and practices on a regular basis? 5. Does the Fl have a policy prohibiting accounts/relationships with shell banks? (A shell bank is defined as a bank incorporated in a jurisdiction in which it -4 has no physical presence and which is unaffiliated with a regulated financial group.) 6.
  • Analysis Performance Bank of Government Bank at PT Bank Tabungan Negara (Persero) Tbk Period of 2015 - 2018

    Analysis Performance Bank of Government Bank at PT Bank Tabungan Negara (Persero) Tbk Period of 2015 - 2018

    ISSN 2664-3995 (Print) & ISSN 2664-6757 (Online) South Asian Research Journal of Business and Management Abbreviated Key Title: South Asian Res J Bus Manag | Volume-1 | Issue-2| Aug-Sep -2019 | DOI: 10.36346/SARJBM.2019.v01i02.007 Original Research Article Analysis Performance Bank of Government Bank at PT Bank Tabungan Negara (Persero) Tbk Period of 2015 - 2018 Harun Faizal1*, Riska Rosdiana2 1Faculty of Economics and Business-Universitas Muhammad Husin Thamrin 2Faculty of Economics and Business - Universitas Mercu Buana *Corresponding Author Harun Faizal Article History Received: 10.08.2019 Accepted: 26.08.2019 Published: 25.09.2019 Abstract: This study aims are analysis of performance Bank at PT Bank Tabungan Negara (Persero) Tbk by implementing the RGEC (Risk Profile, Good Corporate Governance, Earning, Capital) method 2015 until 2018 banks through a composite analysis. The purpose of this study is to analyze the performance Bank at PT Bank Tabungan Negara (Persero) Tbk by implementing the RGEC (Risk Profile, Good Corporate Governance, Earning, Capital) method 2015 until 2018. The method used in this study is RGEC (Risk Profile, Good Corporate Governance, Earning, Capital). The result are the performance ratio of Based on result and discussion so the conclusion is performance bank of PT Bank Negara Indonesia (Persero) the value of determination or composite since 2015 until 2018 is healthy, and performance bank used RGEC method as follows: 1) Risk Profile are a). Non Performing Loan (NPL) is in 2015 is healthy, NPL in 2016 is very healthy,NPL in 2017 is very healthy, NPL in 2018 is very healthy. b) Loan to Deposit Ratio (LDR) is in 2015 unwell, LDR in 2016 is unwell, LDR in 2017 is unwell, LDR in 2018 is unwell.
  • Jurnal Sains Pemasaran Indonesia 70 the Impact Of

    Jurnal Sains Pemasaran Indonesia 70 the Impact Of

    JURNAL SAINS PEMASARAN INDONESIA Volume XVI, No. 2, September 2017, halaman 70-85 THE IMPACT OF TRAINING QUALITY, MANAGERIAL SKILL AND SALES MOTIVATION ON DEVELOPING SALESMAN PERFORMANCE TO INCREASE SALES EFFECTIVENESS (Study on PT. Bank Negara Indonesia, Tbk Area Semarang) Elvira Novita1 Harry Soesanto2 Sutopo3 1,2,3 Master of Management, Faculty of Economics and Business, Diponegoro University ABSTRAK The purpose of this research is to analyze the influences of training quality, managerial skill, sales motivation toward salesman performance to impact the salesman performance to increase sales effectiveness. The research problem is how to increase of training quality, managerial ability, sales motivation toward salesman performance to impact the sales effectiveness. This research analyzes the factor that influences repurchase intention use mediating variable brand preference. This research developed a theoretical model by submitting four hypotheses that will be tested by Structural Equation Model (SEM) used AMOS 21.0. Respondents in this research are people who work as a credit card salesman with total 157 respondents. The result of SEM data processing already found the goodness of fit follows, the value of chi square = 77,261, df: 96, p:5%; probability = 0,920; GFI = 0,940; AGFI = 0,915; TLI = 1,013; CFI = 0,959; CMIN/DF = 0,805;RMSEA = 0,000. Empirical analyze indicate the influences of training quality are significant to salesman performance; the effect of sales motivation are significant to salesman performance; the effect of managerial skill are significant to salesman performance; the effect of salesman performance are significant to sales effectiveness and the effect of managerial skill are significant to sales effectiveness.
  • Bank Negara Indonesia (BNI) Indonesia

    Bank Negara Indonesia (BNI) Indonesia

    Bank Negara Indonesia (BNI) Indonesia Active This profile is actively maintained Send feedback on this profile Created before Nov 2016 Last update: Jul 20 2021 About Bank Negara Indonesia (BNI) Bank Negara Indonesia (BNI) was formed by the Indonesia Government in 1946. In 1955, along with increased capitalization, the Bank's legal status was formally changed into that of a state-owned commercial Bank. BNI's legal status was changed in 1992 into a state-owned limited corporation with the name of PT Bank Negara Indonesia (Persero), which was manifested through public offering of its shares in 1996. The bank offers Consumer, Corporate, Investment and Private Banking services. Website http://www.bni.co.id Headquarters Jl. Jenderal Sudirman Kav. 1 10220 Jakarta Indonesia CEO/chair Royke Tumilaar President Director Supervisor Indonesian Financial Services Authority (OJK) Annual Annual report 2020 reports CSR Report 2020 Ownership listed on ISE Bank Negara Indonesia's majority shareholder is the Indonesian Government (60%). The bank's complete shareholder structure can be accessed here. Complaints Bank Negara Indonesia does not have a complaints channel for individuals or communities who might have been affected and by its finance. grievances Sustainability Voluntary initiatives Bank Negara Indonesia (BNI) has committed itself to the following voluntary standards: Global Reporting Initiative UNEP Finance Initiative United Nations Global Compact Investment policies Bank Negara Indonesia's web page on corporate social responsibility can be accessed here. Sustainability policy (page 38 of 2020 CSR report) Jul 20 2021 | BNI Environmental, social and governance risk management (page 52 of 2020 CSR report) Jul 20 2021 | BNI Environmental policy (page 80 of 2020 CSR report) Jul 20 2021 | BNI Risk Management Policy Jan 20 2020 | Bank Negara Indonesia Corporate Governance Handbook Sep 12 2014 | Bank Negara Indonesia Good moves Related Dodgy Deals Bank Negara Indonesia (BNI) has been linked to the following "Dodgy Deals", e.g.
  • Analyzing the Factors Influencing Employee Retention at Pt

    Analyzing the Factors Influencing Employee Retention at Pt

    ISSN 2303-1174 A.A. Warouw., S.L.H.V.J. Lapian. Analyzing The Factors Influencing… ANALYZING THE FACTORS INFLUENCING EMPLOYEE RETENTION AT PT. BANK NEGARA INDONESIA (BNI) PERSERO ANALISA PERBANDINGAN PERSEPSI NILAI PELANGGAN PADA HONDA MOBILIO DAN SUZUKI ERTIGA DI KOTA MANADO by: Angela Alvina Warouw1 S.L.H.V.J. Lapian2 1,2Faculty of Economics and Business, International Business Administration (IBA) Program University of Sam Ratulangi Manado email: [email protected] [email protected] Abstract: Employee retention issues are emerging as the most critical workforce management challenges. The dynamics of the work environment have to reflect a diverse population comprised of individuals whose motivations, beliefs and value structures differ vastly from the past and from one another. Bank Negara Indonesia (BNI) would want to adopt particular strategies that contribute to the retention of their most valued employees in one while avoiding control methods that would appeal the employees in the other. Research objectives are to analyze the factors influencing Employee Retention for employees in PT. BNI 46 Persero. Theories supporting this research are human resource management and employee retention. The population observed are employees of BNI with sample as many as 100 respondents. Result and conclusions are from all variables of the factors influencing employee retention (career development, remuneration/compensation, positive recognition staff engagement and management), remuneration/compensation, staff engagement and management are the most influencing variables. Keywords: organizational factor, employee retention Abstrak: Masalah retensi karyawan yang muncul sebagai tantangan manajemen tenaga kerja yang paling penting. Dinamika lingkungan kerja harus mencerminkan populasi yang beragam terdiri dari individu-individu yang motivasi, keyakinan dan struktur nilai berbeda jauh dari masa lalu dan dari satu sama lain.
  • 39 BAB IV PELAKSANAAN HASIL PENELITIAN A. Persiapan

    39 BAB IV PELAKSANAAN HASIL PENELITIAN A. Persiapan

    BAB IV PELAKSANAAN HASIL PENELITIAN A. Persiapan Penelitian 1. Orientasi Kancah Penelitian Orientasi kancah penelitian perlu dilakukan utnuk mencapai tujuan penelitian yang telah direncanakan. Tujuan dilaksanakannya orientasi kancah penelitian adalah untuk mengetahui kesesuaian karakteristik subyek penelitian dengan kondisi tempat penelitian. Penelitian ini dilakukan setelah peneliti melakukan wawancara terlebih dahulu dengan karyawan Bank BNI cabang Semarang. Penelitian ini bertujuan untuk menguji secara empiris pengaruh antara stres kerja terhadap kinerja pada karyawan Bank BNI cabang Semarang. Orientasi kancah penelitian ini dilakukan di Bank BNI cabang Semarang yang beralamatkan di Jalan MT. Haryono No. 16, Purwodinatan, Kecamatan Semarang Tengah, Kota Semarang, Jawa Tengah. Bank BNI cabang Semarang atau yang sering dikenal dengan Bank BNI 46 ini merupakan salah satu bank BUMN (Badan Usaha Milik Negara) pertama yang menjadi perusahaan publik setelah mencatatkan sahamnya di Bursa Eefek Jakarta dan Bursa Efek Surabaya pada tahun 1996. Pada awalnya didirikan di Indonesia sebagai Bank sentral dengan nama “Bank Negara Indonesia” berdasarkan peraturan Pemerintah Pengganti Undang- 39 40 Undang No. 2 tahun 1946 tanggal 5 Juli 1946. Selanjutnya berdasarkan Undang- Undang No. 17 tahun 1968, BNI ditetapkan menjadi “Bank Negara Indonesia 1946”, dan setatusnya menjadi Bank Umum Milik Negara. Selanjutnya, peran BNI sebagai Bank yang diberi mandat untuk memperbaiki ekonomi rakyat dan berpartisipasi dalam pembangunan nasional dikukuhkan oleh UU No. 17 tahun 1968 tentang Bank Negara Indonesia 1946. Berikut Visi dan Misi Bank BNI cabang Semarang : Visi Menjadi Lembaga Keuangan yang Unggul dalam Layanan dan Kinerja. Misi 1. Memberikan layanan prima dan solusi yang bernilai tambah kepada seluruh nasabah dan selaku mitra pilihan utama. 2. Meningkatkan nilai investasi yang unggul bagi investor.
  • Comparative Analysis Performance Bank of Pt Bank Negara Indonesia Tbk Between 2017 and 2018 by Rgec Method

    Comparative Analysis Performance Bank of Pt Bank Negara Indonesia Tbk Between 2017 and 2018 by Rgec Method

    East African Scholars Multidisciplinary Bulletin Abbreviated Key Title: East African Scholars Multidiscip Bull ISSN 2617-4413 (Print) | ISSN 2617-717X (Online) | Published By East African Scholars Publisher, Kenya DOI: 10.36349/easmb.2019.v02i08.008 Volume-2 | Issue-8 | Aug-2019 | Research Article Comparative Analysis Performance Bank of Pt Bank Negara Indonesia Tbk between 2017 and 2018 by Rgec Method Viciwati Faculty of Economics and Business - Universitas Mercu Buana Indonesia *Corresponding Author Viciwati Abstract: This study aims is to coparation of performance bank at PT Bank Negara Indonesia Tbk by implementing the RGEC (Risk Profile, Good Corporate Governance, Earning, Capital)method between in 2017 and 2018 banks through a comparative analysis. The method used in this study is RGEC (Risk Profile, Good Corporate Governance, Earning, Capital), while the long-term objective is modeling the financial strategy assessment of Banking in Indonesia. The result are the performance ratio of BNI banks in 2018 and the performance ratio of BNI banks in 2017 is not significant difference.Based on table 1 data that the performance of PT Bank Negara Indonesia (Persero) has increased 3 financial ratios are Non Performing Loans (NPL) increased 0.15%, Loan to Deposit Ratio (LDR) increased 2.88%, and Return on Assets (ROA) increased 0.03%, while those that experienced 2 financial ratios decreased were Net Interest Margin (NIM) decreased - 0.21% and Capital Adequicy Ratio (CAR) decreased -0.02%. Keywords: Financial Performance and the RGEC Method (Risk Profile, Good Corporate Governance, Earning, Capital). INTRODUCTION Financial Services Authority Circular number Based on the bank's economic news award that 14 / SEOJK.03 / 2017 dated March 17, 2017 concerning the Bank is rated Very Healthy in the BOOK IV Rating of Commercial Bank Soundness in point III.1 Category with Assets Above IDR 500 Trillion1.
  • BAB I PENDAHULUAN 1.1 Latar Belakang Penelitian Sumber Daya

    BAB I PENDAHULUAN 1.1 Latar Belakang Penelitian Sumber Daya

    BAB I PENDAHULUAN 1.1 Latar Belakang Penelitian Sumber daya manusia memegang peranan penting dalam menentukan keberhasilan tercapainya tujuan dari perusahaan, jika sumber daya manusia tidak didukung dengan sumber daya yang berkualitas maka tujuan organisasi akan sulit untuk tercapai. Peran sumber daya manusia pada masa kini dan masa yang akan datang menjadi penentu bagi keberhasilan sebuah aktivitas yang dilakukan dalam pencapaian tujuan suatu perusahaan. Pada dasarnya tujuan perusahaan adalah memperoleh laba yang sebesar- besarnya dengan memanfaatkan unsur-unsur 6M yaitu: Man, Money, Methode, Machines, Material, dan Market (Hasibuan:1). Unsur-unsur tersebut sangat penting bagi perusahaan yang saling berkaitan sehingga satu sama lainnya tidak dapat dipisahkan. Diantara unsur-unsur tersebut, maka unsur yang paling penting adalah sumber daya manusia (man) dimana manusia selalu berperan aktif dan dominan dalam setiap kegiatan perusahaan, karena manusia menjadi perencana, pelaku, dan penentu terwujudnya tujuan perusahaan. Tujuan tidak mungkin tercapai tanpa peran aktif karyawan meskipun alat yang dimiliki perusahaan sangat canggih dan lengkap, tetapi pihak perusahaan perlu berhati-hati dalam 1 2 mengatur dan mengarahkan karyawannya karena mereka mempunyai pikiran, status, perasaan, keinginan, dan latar belakang yang berbeda-beda. Salah satu cara yang dapat dilakukan perusahaan untuk mengetahui pelaksanaan tugas dan hasil kerja karyawan telah dicapai yaitu dengan melihat dari hasil prestasi kerja karyawan yang telah tercapai tersebut, hasil prestasi kerja ini mampu membantu untuk menetapkan gaji dan pemberian insentif, sebab prestasi kerja itu sendiri hasil kerja dari kualitas dan kuantitas yang dicapai oleh seorang karyawan dalam melaksanakan tugasnya sesuai dengan tanggung jawab yang diberikan kepadanya, karena karyawan dan perusahaan tidak dapat dipisahkan, karyawan memegang peran utama dalam menjalankan kegiatan perusahaan, dan juga berperan sebagai pelaku aktif dari setiap kegiatan organisasi.
  • BAB II KONDISI UMUM BNI SYARIAH CABANG SEMARANG 2.1. Sejarah

    BAB II KONDISI UMUM BNI SYARIAH CABANG SEMARANG 2.1. Sejarah

    BAB II KONDISI UMUM BNI SYARIAH CABANG SEMARANG 2.1. Sejarah Berdirinya BNI Syari’ah Pada tahun 2003 dilakukan penyusunan corporate plan BNI Syariah yang di dalamnya termasuk rencana independensi pada tahun 2009-2010. Proses independensi BNI Syariah diperkuat dengan kebijakan otonomi khusus yang diberikan oleh BNI kepada UUS BNI pada tahun 2005. Pada Tahun 2009, BNI membentuk Tim Implementasi Pembentukan Bank Umum Syariah, sehingga terbentuk PT Bank BNI Syariah yang efektif beroperasi sejak tanggal 19 Juni 2010. 5 a. Berdirinya Unit Usaha Syariah BNI Tempaan krisis moneter tahun 1997 membuktikan ketangguhan sistem perbankan syariah. Prinsip syariah dengan 3 (tiga) pilarnya yaitu adil, transparan dan maslahat mampu menjawab kebutuhan masyarakat terhadap sistem perbankan yang lebih adil. Pada tahun 1999 dibentuk Tim Proyek Cabang Syariah dengan tujuan untuk mempersiapkan pengelolaan bisnis perbankan syariah BNI yang beroperasi pada tanggal 29 April 2000 sebagai Unit Usaha Syariah (UUS) BNI. Pada awal berdirinya, UUS BNI terdiri atas 5 kantor cabang yakni di Yogyakarta, Malang, Pekalongan, Jepara, dan Banjarmasin. Pada tahun 2002, BNI Syariah mulai menghasilkan laba dan pada tahun 2003 5 Company profil BNI syari’ah 11 12 dilakukan penyusunan corporate plan yang di dalamnya termasuk rencana independensi BNI Syariah pada tahun 2009-2010. Pada tahun 2005 proses independensi BNI Syariah diperkuat dengan kebijakan otonomi khusus yang diberikan oleh BNI kepada UUS BNI. Pada Tahun 2009, BNI membentuk Tim Implementasi Pembentukan Bank Umum Syariah. Selanjutnya UUS BNI terus berkembang hingga pada pertengahan tahun 2010 telah memiliki 27 kantor cabang dan 31 Kantor cabang pembantu. Di samping itu, UUS BNI senantiasa mendapatkan dukungan teknologi informasi dan penggunaan jaringan saluran distribusi yang meliputi kantor cabang BNI, jaringan ATM BNI, ATM Link serta ATM Bersama, 24 jam layanan BNI Call dan juga internet banking .