tag:blogger.com,1999:blog-33691953019001659292024-03-13T06:20:14.221-07:00BANK - BANK INDONESIATaufikhttp://www.blogger.com/profile/10024995061077951576noreply@blogger.comBlogger6125tag:blogger.com,1999:blog-3369195301900165929.post-17789425177427009202012-10-26T23:27:00.001-07:002012-10-26T23:29:15.372-07:00Advantages Online Stores Shoes<span style="font-family: Times,"Times New Roman",serif;"><span style="font-size: small;">Along with the event of technology and info, today several emerging
online store that enables you to buy while not having to depart the
house. Through the Web, we will simply build convenient transactions
with numerous advantages offered. One is if you're searching distro fashion
(Indonesia language is <a href="http://pakaianbandung.com/" target="_blank">pakaian distro</a>), clothes, jewelry and even furniture.</span></span><br />
<span style="font-family: Times,"Times New Roman",serif;"><span style="font-size: small;"><br />Along with the event of technology and info, today several emerging
online store that enables you to buy while not having to depart the
house. Through the Web, we will simply build convenient transactions
with numerous advantages offered. One is if you're searching fashion shop
(Indonesia language is
<a href="http://pakaianbandung.com/" target="_blank">toko pakaian</a>),
clothes, jewelry and even furniture. With the net store, sellers and
consumers can conduct transactions while not having to satisfy in the
flesh. This can make transactions faster and easier. In Indonesia it's
been a lot of emerging online stores. And now, it seems more and
additional on-line stores fashionable and widely known by the general
public. Thus, we have a tendency to can call when shopping online is
beginning to become a standard activity for the folks of Indonesia.</span></span><br />
<span style="font-family: Times,"Times New Roman",serif;"><span style="font-size: small;"><br />This time we can discuss shoe store or Indonesian meaning is
<a href="http://pakaianbandung.com/" target="_blank">toko distro</a>
could be a profitable business possibility. One reason is folks will be
easy to try to to promotions in many regions, even in other countries
through a network on-line. As I said earlier, online media also serves
to streamline the time, distance, value, and other smart things
connected to the business or other fields. Exploiting business
opportunities on-line shoe stores have blessings than other on-line
stores for the globe of labor for the development of ladies currently
increasing. Usually girls love shoes different gear while work is also
noted significantly for him. Besides women, ranging in age from the
following generation of kids to adults would like shoes for varied
functions such as faculties, study tours, sports, and other functions.</span></span><br />
<span style="font-family: Times,"Times New Roman",serif;"><span style="font-size: small;"><br />Some of the advantages Reached on-line store is straightforward, for the
fans and shoe collectors who live a long way from shopping, buying
shoes through online shoe store must be the correct choice. In addition
to providing shoes that are out there, most online shoe stores
additionally give a wide range of branded shoes, so we have a tendency
to will easily get a model of the shoes we wish. The second is that the
saving of your time, while not having to leave home and travel a
distance to go to a shoe store. Just with web access, you'll attend
shoes as you wish. Even you'll be able to linger for researching and
choosing your dream shoes.</span></span>
<br />
<span style="font-family: Times,"Times New Roman",serif;"><span style="font-size: small;"><br />Excess third is cheaper, this is because the vendor of shoes online
stores that doing not require very expensive. Usually they place
contracts in the city center or market, rents are terribly expensive. By
making an on-line store, the seller solely makes the location the worth
is quite cheap. In addition to shoes, stuff that you'll be able to
purchase through the online store distro or in Indonesia is
<a href="http://pakaianbandung.com/" target="_blank">distro</a>,
is additionally terribly prospect and has advantages like a shoe store.
For additional info and to get, please visit our website.</span></span>Taufikhttp://www.blogger.com/profile/10024995061077951576noreply@blogger.com0tag:blogger.com,1999:blog-3369195301900165929.post-46540337552173716102007-11-21T19:22:00.000-08:002007-11-21T19:38:28.996-08:00BANK LIPPO<span style="font-size:85%;"><br /></span><span style="font-size:85%;"><a style="font-family: arial;" onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://1.bp.blogspot.com/_M5yo3XeLHXM/R0T4AtL4LPI/AAAAAAAAABA/tY_HmLMDtQA/s1600-h/logo_lippo.gif"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer;" src="http://1.bp.blogspot.com/_M5yo3XeLHXM/R0T4AtL4LPI/AAAAAAAAABA/tY_HmLMDtQA/s320/logo_lippo.gif" alt="" id="BLOGGER_PHOTO_ID_5135502166122310898" border="0" /></a></span><br /><br /><span style="font-size:85%;"><b style="font-family:arial;"><span style="color: rgb(255, 0, 0);"><br />About Us<br /><br /></span></b><span style="font-family:arial;"> PT Bank Lippo Tbk’s (“LB”) journey started as NV Bank Perniagaan Indonesia (Indonesian Mercantile Bank) in March 1948, and successively changed its name to PT Bank Perniagaan Indonesia and PT Lippo Bank in 1956 and 1989 respectively. After a successful merger with PT Bank Umum Asia, LB went public and was listed on the Jakarta Stock Exchange and Surabaya Stock Exchange in November 1989. On 23 December 1998, the Bank’s name was changed again from PT Lippo Bank to PT Bank Lippo Tbk, or known as LippoBank.</span><br /><br /><span style="font-family:arial;"> The Government of Indonesia acquired a majority shareholding in LB after the recapitalisation programme was executed on 28 May 1999.</span><br /><br /><span style="font-family:arial;"> On 25 February 2004 the 52.05% government’s share in LB was acquired by the Swissasia Global Consortium.</span><br /><br /><span style="font-family:arial;">On 30 September 2005, having obtained approval from Bank Indonesia, Khazanah Nasional Berhad completed its 52.05% share acquisition of LB (through its wholly-owned subsidiary, Santubong Investments B.V.) from Swissasia Global. This was followed by a Tender Offer, which increased Santubong’s stake to 87.52% of the total paid up capital of the Bank. Since then, LB has moved quickly to design and implement a new road-map. The road-map provides LB with the tools to meet the rigours of a world-class bank, with uncompromising corporate governance policies and practices which built and sustain value created for all stakeholders. Combined with flawless execution, LB is on the required trajectory to achieve anchor bank status by 2010, in accordance with the Indonesian Banking Architecture framework.</span><br /><br /><span style="color: rgb(255, 0, 0); font-weight: bold;font-family:arial;" >Contact Us :</span><br /><span style="font-family:arial;">info_crc@lippobank.co.id </span><br /><br /><br /></span>Taufikhttp://www.blogger.com/profile/10024995061077951576noreply@blogger.com1tag:blogger.com,1999:blog-3369195301900165929.post-4325230364207203602007-11-21T18:32:00.000-08:002007-11-21T19:14:40.951-08:00BANK BTN<div style="text-align: justify; font-family: arial;"><div style="text-align: left;"><a style="font-family: arial;" onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_M5yo3XeLHXM/R0Tt9dL4LOI/AAAAAAAAAA4/nw3JNEDoMhQ/s1600-h/BTN.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 166px; height: 43px;" src="http://4.bp.blogspot.com/_M5yo3XeLHXM/R0Tt9dL4LOI/AAAAAAAAAA4/nw3JNEDoMhQ/s320/BTN.jpg" alt="" id="BLOGGER_PHOTO_ID_5135491115171458274" border="0" /></a></div><br /><span style="font-size:85%;"><span style="color: rgb(255, 0, 0);"><span style="font-weight: bold;"><br /></span></span></span><span style="font-size:85%;"><span style="color: rgb(255, 0, 0);"><span style="font-weight: bold;"><br /><br /><span style="font-family:arial;">About Us</span><br /><br /></span></span></span></div><div style="text-align: justify; font-family: arial;"> </div><p style="margin-top: 0pt; margin-bottom: 16px;font-family:arial;"><span style="font-size:85%;"><span style="color: rgb(0, 0, 0);">As guidance in managing its effort, Board of directors Bank BTN have specified Vision and Mission Bank BTN which is obliged to be known, to be involved, and practiced by each and every officer.<span style="color: rgb(51, 51, 255);"><br /></span></span></span></p><p style="margin-top: 0pt; margin-bottom: 16px;font-family:arial;"><span style="font-size:85%;"><span style="color: rgb(0, 0, 0);"><span style="color: rgb(51, 51, 255);">Bank BTN's Vision</span></span></span><span style="color: rgb(0, 0, 0);font-size:85%;" ><strong style="font-weight: normal; color: rgb(51, 51, 255);"></strong><br /> </span></p><p style="margin-top: 0pt; margin-bottom: 16px;font-family:arial;"><span style="font-size:85%;">To be recognized as a credible and notable bank in housing finance and majoring in client satisfaction.</span></p><p style="margin-top: 0pt; margin-bottom: 16px; color: rgb(51, 51, 255);font-family:arial;"><span style="font-size:85%;">Bank BTN's Missions</span><span style="font-size:85%;"><strong></strong></span></p><div face="arial" style="text-align: justify;"> </div> <span style=";font-family:arial;font-size:85%;" ></span><span style="color: rgb(0, 0, 0);font-family:arial;font-size:85%;" ></span><ul style="text-align: justify;font-family:arial;"><li style="font-family:arial;"><span style="font-size:85%;">G</span><span style="color: rgb(0, 0, 0);font-size:85%;" >iving pre-eminent service in housing finance and it's related industry, and also providing other products and banking services.</span></li><li style="font-family:arial;"><span style="color: rgb(0, 0, 0);font-size:85%;" >Preparing and developing qualified and professional human resource which in also own high integrity performance.</span></li><li style="font-family:arial;"><span style="color: rgb(0, 0, 0);font-size:85%;" >Improving excellence of competitiveness through continuity of innovation as according to clients requirements</span><span style="color: rgb(0, 0, 0);font-size:85%;" >.</span></li><li style="font-family:arial;"><span style="color: rgb(0, 0, 0);font-size:85%;" >Executing management of soundness banking as according to principle of prudential and good corporate governance to increase shareholder value.</span></li><li><p style="margin-top: 0pt; margin-bottom: 12px;"><span style=";font-family:arial;font-size:85%;" >Minding importance of society aspect and its environment interaction.</span><br /></p></li></ul><div style="text-align: justify; font-family: arial;font-family:arial;"><span style="font-size:85%;"><span style="color: rgb(0, 0, 0); font-weight: bold;"><span style="color: rgb(255, 0, 0);">History<br /><br /></span></span></span><span style="color: rgb(0, 0, 0);font-size:85%;" >Year 1897 is a blessed year for BTN, because at that moment pursuant to Koninklijk Besluit No. 27 in Indies Dutch founded by Postspaarbank which dimiciling in Batavia, what is nowadays recognized by the name of Jakarta.</span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > Target of founding of Postspaarbank for example is to educate society so that fond ofing to save and at the same time introduce banking institute to wide of society. Up to year end 1931 Postspaarbank role in society fund gathering increasing. Up to year 1939, mustered a success fund to amount to Rp. 54 million. This attainment in line with policy of executed decentralization during the period.</span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > Besides which is proper to be noted by between year 1928 up to year 1934 is opening of Postspaarbank office of branch in Makassar, Surabaya, Jakarta, and Field </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > In the year 1934 is also known as “accountancy machine era” and recognition of certificate “account current”.</span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > When in the year 1940 Germany invade Netherland, happened intake of mass fund by all Postspaarbank client. Only in a few day counted Rp. 11 million paid to the order of all client. This matter do not take place to long.</span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > Year 1941 trust of client arise again, and is same in the year succeed to be mustered by fund equal to Rp. 58,8 million.</span><span style="color: rgb(0, 0, 0);font-size:85%;" > Happened one a period of/to which can be named by A period of Between, because cannot be packed into Savings Bank Post history that is between March 1942-1946. Because year 1942 Japan take over authority Dutch colonial and Postspaarbank freezed. Government Japan found my Tyokin Me. Mission “ fond of to save” my Tyokin Me fail, because the mentioned felt as constraint by Indonesia people. In a period of this Jogyakarta branch opened.</span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > Occupying of Japan in Indies Dutch do not take place llama. Indonesian nation later; then proclaim its independence. : my Tyokin Me” is taken over and its name is changed “ Office Saving Post ( KTP)”, which is initiative by Mr. Darmosoetanto, First Director of Office Saving Post.</span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > Office Saving Post share big in workmanship of Japan money changing with “ Oeang Republic Of Indonesia ( ORI)”. In That Period Office Saving Post cannot work safely, because Dutch military action. Date of 19 December 1946 Office Saving Post and office of branchs its occupied by Dutch.</span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > In June 1949 Government RI open at the same time change “ Office Saving Post” becoming “ Savings Bank Post RI”, with a view to set right work of KTP which have. This office work year-end samapai 1949. Hereinafter, government only confess Savings Bank RI post as saving institute which later;then its 1950 name year is changed to become Savings Bank Pos.</span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > By fall downing Old Order nya, and berkuasa it New Order, Hence initiative forming of Single Bank returned as previously and readjusted healthierly.</span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > After New Order succeed to readjust life of economics getting especial attention, hence preceded to born Fundamental UU nya of Banking No. 14 Year 1967 specified [by] UU No. 20 year 1968 hitting founding of Savings Bank State. In the Law, hence fundamental duty of BTN is instructed to economic repair of economic development and people of national by way of mustering fund from society, especially in the form of saving.</span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > In the year 1974 Government specify policy of housing development for the society of middle downwards. To support to succeeding the policy it, BTN showed as place of defrayal of Credit Ownership of House ( KPR ).</span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > In the year 1976 marked by history realize KPR first time in Semarang which later;then continue from year to year, reaching its top in the year 1982 / 1983.</span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > Utilizing to defray the the KPR, BTN have to can conscript society fund. For that product diversification having the character of “ Operation Passiva” darus executed. Since year 1976 growth of BTN asset mount sharply from Rp. 11 Billion by the end of 1976 becoming Rp. 3,7 Trillion by the end of year 1991.</span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > Since opening stand up year 1953 hitherto, had been more than 38 BTN year wrestle its area. its Operational network is widespread in all Indonesia. BTN have setled to welcome year national development 2000. Either in banking area specially, and also defrayal of housing. Cymbal BTN have also three fundamental target and socialize culture work the so-called Orderly Pentameter. New Era of BTN is also marked with recognition of logo newly.</span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > Entering year 1992 happened elementary change in the form of Savings Bank State law. As rentetan from goning into effect of UU No. 7 year 1992 about Banking, Savings Bank State legal form turn into Company of Copartnership, or which more knowledgeable with the title PT Savings Bank State ( Persero), that is released of PP No. 24 year 1992 date of 29 April 1992. This transformation make PT Savings Bank State motion ( Persero) more (be) free to. If previously more emphasized as savings bank and as institute defrayal of housing, hence since its 1 August 1992 activity area is extended to become public bank.</span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > Here in after as legal body which is in form of limited liability, made by Akte Founding of No. 136 date of 31 July 1992 before Muhani Salim, SH Notary in Jakarta according to Decree Of The Minister Of Legal Affairs Republic Of Indonesia No. C2-6587.Ht.01.01-Th.92 of 12 August 1992 which have been announced in Official Gazette RI No addition. 73 date of 11 September 1992 ( which is on its growth is later;then altered pursuant to Akte No. 25 date of 4 September 1998 about statement of decision of change stockholder Association Of PT Savings Bank State ( made by Persero) before Sutjipto, SH, Notary in Jakarta according to Decree Of The Minister Of Legal Affairs and Rights Basic Manusiari No. C-3568 HT.01.04.TH.2001 of 20 July 2001 which is announced in Addition Official Gazette Republic Of Indonesia No. 95 date of 27 November 2001, change deed section 26 Association of Copartnership of Number 97 date of 28 June 2002 which is made by before Fathiah Helmi, SH, Notary in Jakarta, last altered with Akte No. 97 date of 28 June 2002.</span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > In the year 1994 passing Decree Board of directors Indonesia Bank No. 27/55/KEP/DIR date of 23 September 1994 PT. Savings Bank State ( Persero) can operate as Bank Foreign exchange.</span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > Economic Crisis impact in the year 1997 which is economic meluluhlantakkan of Indonesia have made BTN management to rerun its business bow. BTN return at its its, that is with business defrayal of housing. This decision in the end assist Bank BTN success in course of rekapitalisasi.</span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > With this rekapitalisasi of BTN management specify new paradigm as beneficial and notable bank in defrayal of housing. BTN have shown its ability in giving contribution defrayal of governmental to housing though stay in limited ability.</span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > To continue to to support governmental program in housing area at the same time in order to strengthening Bank BTN financing structure, governmental through Minister BUMN by letter of No. S-554/M-Mbu/2002 of 21 August 2002 have decided Bank BTN as public bank with focus defrayal of housing without subsidy.</span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > </span><br /><span style="color: rgb(0, 0, 0);font-size:85%;" > Nowadays Bank BTN have intended to become commercial bank with especial business of defrayal of housing and industry its its. BTN have also specified its business target as Bank Family Indonesia, serving requirement entire/all Indonesia family, from home for all requirement.</span><br /><br /><span style="font-weight: bold; color: rgb(0, 0, 0);font-size:85%;" ><span style="color: rgb(255, 0, 0);">Contact Us :</span><br /><br /></span></div><p dir="ltr" style="margin-right: 0px; text-align: justify;font-family:arial;"><span style="font-size:85%;"><strong>Gedung Menara BTN</strong><br />Jl. Gajah Mada No.1<br />Jakarta 10130<br />Email : webadmin@btn.co.id</span></p>Taufikhttp://www.blogger.com/profile/10024995061077951576noreply@blogger.com0tag:blogger.com,1999:blog-3369195301900165929.post-40997031855726124002007-11-20T17:55:00.000-08:002007-11-20T18:14:42.640-08:00BANK BCA<div style="text-align: justify;"><a style="font-family: arial;" onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://1.bp.blogspot.com/_M5yo3XeLHXM/R0OTf9L4LNI/AAAAAAAAAAs/a3rYbS4061Y/s1600-h/bca.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer;" src="http://1.bp.blogspot.com/_M5yo3XeLHXM/R0OTf9L4LNI/AAAAAAAAAAs/a3rYbS4061Y/s320/bca.jpg" alt="" id="BLOGGER_PHOTO_ID_5135110177342106834" border="0" /></a><br /><br /><br /><span style=";font-family:arial;font-size:85%;" ><span style="font-weight: bold; color: rgb(255, 0, 0);"><br />About Us</span> </span><br /><br /><span style=";font-family:arial;font-size:85%;" ><span class="judl"><span style="font-weight: bold;">The First Five Decades </span></span></span><br /><br /></div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;">BCA was first founded on 21 February 1957 as <i>Bank Central Asia NV</i>. A lot of things have happened since then—the most significant of all being perhaps the Asian monetary crisis in 1997. </span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="color: rgb(0, 0, 0);font-size:85%;" >Although this crisis had a tremendous impact on <st1:place st="on">Indonesia</st1:place>’s entire banking system, in particular it affected BCA’s cash flow and even threatened its survival. Panic rush forced the bank to seek assistance from the Indonesian government. The Indonesian Banking Restructuring Agency (IBRA) took over BCA in 1998.<o:p></o:p></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="color: rgb(0, 0, 0);font-size:85%;" ><span style=""> </span><o:p></o:p></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="color: rgb(0, 0, 0);font-size:85%;" >Thanks to its management’s business sagacity and shrewd decision making, full recovery was accomplished later in the same year. In December of 1998, third-party funds were back at the pre-crisis level. BCA’s assets stood at Rp 67.93 trillion, as opposed to Rp 53.36 trillion in December 1997. Public confidence in BCA was fully restored, and BCA was released by IBRA to BI in 2000.<o:p></o:p></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="color: rgb(0, 0, 0);font-size:85%;" ><span style=""> </span><o:p></o:p></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="color: rgb(0, 0, 0);font-size:85%;" >Subsequently, BCA took a major step by going public. The IPO took place in 2000, selling 22.55% of BCA’s shares that were being divested by IBRA. After the IPO, the agency still controlled 70.30% of BCA’s total shares. The second Public Offering took place in June and July of 2001, with IBRA divesting an additional 10% of its interest in BCA. <o:p></o:p></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="color: rgb(0, 0, 0);font-size:85%;" ><span style=""> </span><o:p></o:p></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="color: rgb(0, 0, 0);font-size:85%;" >In 2002, IBRA divested 51% of its BCA shares through a strategic private placement tender. The Mauritius-based Farindo Investment, Ltd won the tender. Today, BCA continues to strengthen its tradition of good corporate governance, full compliance with regulations, sound risk management and the commitment to its customers both as a transactional bank and an institution for financial intermediation.</span></p><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;"><span style="font-weight: bold;" class="judl">Our Strengths</span></span></p><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;">As a transactional bank, BCA provides a wide array of services to meet specific needs of our customers. As a financial intermediary, it has been working hard to improve its lending side by offering attractive packages to potential customers. Several key strengths have made it possible for the bank to deliver useful, efficient and convenient services. These include: </span></p><ol style="text-align: justify;font-family:arial;"><li><span style="font-size:85%;">A highly professional management team that is always on top of national and international banking policies and regulations; </span></li><li><span style="font-size:85%;">Highly trained, customer-oriented human resources; </span></li><li><span style="font-size:85%;">Innovative products and services that meet real needs; </span></li><li><span style="font-size:85%;">Appropriate use of the most advanced technology; </span></li><li><span style="font-size:85%;">Relentless efforts to maintain the highest level of banking security; </span></li><li><span style="font-size:85%;">A large network of branches and sub-branches throughoutIndonesia; </span></li><li><span style="font-size:85%;">A broad choice of distribution channels to ensure maximum anking convenience, and </span></li><li><span style="font-size:85%;">As June 2007, BCA provide at around 5332 cash ATM, non-cash ATM, and Cash Deposit Machine (ATM setoran tunai) installed in strategic places throughout the country. </span></li></ol><div style="text-align: justify;"><span style=";font-family:arial;font-size:85%;" ><b style="font-family:arial;"><span style="font-style: italic;">Products and Services</span></b></span><br /><span style=";font-family:arial;font-size:85%;" >In line with our goal of becoming the first choice in transactional banking, we have continuously strived to expand the variety of our products, services and delivery channels. We have also made sure that each of our products and services wins in the marketplace due to its high quality and the professionalism of our frontliners. </span></div><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;">Our product and service development is always based on evolving customer requirements. Furthermore, we keep enhancing each of our products and services by adding more features to increase customer banking convenience. More and more facilities are made available on our ATMs, klikBCA Internet banking, m-BCA mobile banking, etc. For the business community, especially the SMEs, we offer products and services specifically tailored to their needs. These include klikBCA Bisnis and BCA Bizz (available in certain locations). </span></p><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;">We also provide a range of loans to meet customer needs, such as mortgage (Kredit Pemilikan Rumah-KPR BCA), vehicle loans (Kredit Kendaraan Bermotor-KKB BCA) and corporate loans.</span></p><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><a style="font-style: italic;" name="Technology"><b>Technology</b></a><b> <o:p></o:p></b></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;">BCA takes pride in its strategic use of technology, and appropriate deployment of advanced technology has been an important element of our competitive strength. <o:p></o:p></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><o:p></o:p></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;">Due to our highly selective adoption of technology, we have been recognized nationally and internationally as the leader in technology application. Our decision on technology choices is always dictated by our vision of being a leading transactional bank. Therefore, our focus is on maximizing our operational efficiency and enhancing customer experience.<o:p></o:p></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><o:p></o:p></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;">We also use technology to support our treasury, risk management and the continued expansion of our delivery channels.</span></p><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><br /></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"> </span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><o:p></o:p></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><o:p></o:p></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><b><span style="font-style: italic;">Business Continuity</span><o:p></o:p></b></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;">In compliance with Bank <st1:country-region st="on"><st1:place st="on">Indonesia</st1:place></st1:country-region>’s regulation, we have strengthened and relocated our Disaster Recovery Center (DRC) to an overseas location with the help of one of the world’s leading IT providers.</span></p><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><br /><span style="font-size:85%;"><o:p></o:p></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"> </span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><b><span style="font-style: italic;">Security</span><o:p></o:p></b></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;">To ensure the highest possible level of security, we use the services of the U.S-based <i>TrueSecure</i>. The security consultant firm regularly evaluates our system security and provides recommendation for actions. They will issue BCA a certificate only when they are satisfied with our effort in making sure our system is as secure as it can be.<o:p></o:p></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><b><br /></b></span></p><div style="text-align: justify;"><span style=";font-family:arial;font-size:85%;" ><b style="font-style: italic;">Our Network</b><br />Taking advantage of technology and highly trained human resources, BCA has been expanding its network—both conventional and electronic—to ensure maximum banking convenience for its customers. As at September 2007, our customers have access to 796 branches throughout Indonesia as well as two Representative Offices in Hong Kong and Singapore. Our premium BCA Prioritas services are available in 173 branches. Globally, we work together with more than 1,772 correspondent banks in 104 countries to provide payment order services. </span></div><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;">From our BCA Bizz centers, we provide unique services to address the requirements of business owners, such as end-of-day cash deposit as well as cash pick-up and delivery services. We also provide Customer Plus to meet the customer needs such as KPR, KKB, Credit Card and many others. Currently, some BCA Bizz and Customer Plus centers have been set up in major business and trading centers located in severals big cities in Indonesia, such as Jakarta, Bandung, and Semarang. More will follow in the future. </span></p><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;">Meanwhile, BCA credit cards are accepted by more than 34.000 merchants throughout Indonesia as well as in million places throughout the world. BCA Credit Card has a variety of a complete features. Customers can convert their purchase into "Cicilan BCA" (installment tenure are 3, 6 to 12 month). Every transaction using BCA Card also entitles for "Reward BCA" up to 10% which can be redeemed with merchandise needed. BCA Card also provides AutoPay feature for your routine billings such as electricity, telephone, cell phone, cable tv, assurance, club membership and more. Not to mention many other advantageous interesting offers. </span></p><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;">E-banking technologies have enabled us to broaden the range of our delivery channels. Our ATM networks are available throughout Indonesia in strategic locations. Our Debit BCA cards are accepted by arround 20,000 merchants in 28,000 outlets with 60,000 Electronic Data Capture (EDC) terminals, while Our Tunai BCA enables merchants to dispense cash for our customers on top of their purchase payment. </span></p><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;">With our KlikBCA, we provide both individual and business owners with Internet banking services that meet their respective requirements. For those who are always on the move, we provide mobile banking services through our m-BCA, SMS Top Up BCA, BCA by Phone and Halo BCA channels. Wireless broadband infrastructure is used in the Greater Jakarta Area to ensure high speed data communication between our Head Office and the branches.</span></p><p style="font-weight: bold; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span class="judl">Career Development at BCA</span></span></p><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;">Human resource is another key component in BCA’s competitiveness. Its success has always hinged on its professional and high-quality human resources. This is why human resource development has received a priority. </span></p><div style="text-align: justify;"> </div><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;">At BCA, career development is based on the principles of transparency, equal opportunity, meritocracy and recognition of performance. BCA provides full opportunity for employees to reach their fullest potential by providing a range of training programs so that they can live up to the challenges at the banking industry. </span></p><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;">As BCA’s committed responsibility for the development of its employees, BCA have had a Training Center, supported by professional internal and external trainers. BCA also works in-cooperation with credible institutions. </span></p><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;">To ensure customer satisfaction, BCA has also introduced the SMART (Sigap, Menarik, Antusias, Ramah, Teliti meaning responsive, attractive, enthusiastic, friendly and accurate) standard of service, implanted to its employees especially to the front liners who interact directly with the customers. </span></p><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;">Furthermore, to simplify human resource management and improve employee satisfaction, BCA has also implemented SAP HR, which is now fully online and can be used by employee. </span></p><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;"><b>MDP BCA</b></span> </p><div style="text-align: justify;"> </div><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;">MDP BCA (Management Development Program BCA) is one of our efforts to prepare highly professional management staff in anticipation of company growth in the future. </span></p><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;">MDP BCA was established to meet the company’s need for skilled and professional manpower. Since it was first formed in 1990 until June 2005, the MDP has provided training and education to the 89th groups of participants. Continuous improvement in the quality of the program is done to ensure that BCA will have no shortage of well-trained professionals.</span></p><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span style="font-weight: bold;" class="judl">Giving Back to the Community</span><br /></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span><span>Reinvesting in community development (Bakti BCA) has been a major element of BCA’s corporate culture. Our <a href="http://www.klikbca.com/website/english/company_info/social_responsibility.html#BaktiBCA"><span style="text-decoration: none;color:black;" >Bakti BCA</span></a> </span><span>program is a series of on-going corporate social responsibility activities aimed at creating sustainable values for our community and the other stakeholders of our company. The program has been running regularly since the nineties.<o:p></o:p></span></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span><o:p> </o:p></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span>Over the years, our activities under the Bakti BCA initiative have focused on helping to address various education and health issues faced by underprivileged local communities in particular. As a matter of fact, we are involved in a number of capacity building programs in <st1:country-region st="on"><st1:place st="on">Indonesia</st1:place></st1:country-region></span><span><o:p></o:p></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span><o:p> </o:p></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span>More specifically, our social responsibility initiative comprises a series of long-term programs aimed at bringing better education to the youths and children with limited financial means, as well as fulfilling our commitment to helping to address the health issues that they are faced with. <o:p></o:p></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span><o:p><br /></o:p></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><a name="ApprenticeshipProgram"></a><a name="PPA"><span style=""><b><span><span style="color: rgb(255, 140, 0);">Non-Degree Education in Accounting<o:p></o:p></span></span></b></span></a></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span style=""><span><o:p> </o:p></span></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span style=""><span>BCA’s Non-degree Education in Accounting has been designed specifically to provide senior high school graduates with an opportunity to develop their knowledge and skill in the area of accounting. Training is given at our Education and <st1:place st="on"><st1:placename st="on">Training</st1:placename> <st1:placetype st="on">Center</st1:placetype></st1:place> by lecturers from a number of reputable universities.<o:p></o:p></span></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span style=""><span><o:p> </o:p></span></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span style=""><span>Successful candidates will receive monthly pocket money, food allowances during the entire program and health care based on company policy.<o:p></o:p></span></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span style=""><span><o:p> </o:p></span></span></span></p><div style="text-align: justify;"> </div><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span style=""><span><o:p> </o:p></span></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span style=""><span>Between 1996 and October 2005, the program had given the training for 15 groups of participants. Out of a total number of 494 participants, 275 successfully have completed their training, and 261 of them are now working in various divisions throughout BCA.</span></span></span></p><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span style=""><a name="RequirementsForPPIA"><b><span><br /></span></b></a></span></span></p><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span style=""><a name="RequirementsForPPIA"><b><span>Requirements</span></b></a></span></span></p><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span style=""><a name="RequirementsForPPIA"><b><span><o:p></o:p></span></b></a></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span style=""><span><span style="font-weight: bold;"><br /></span></span></span></span></p><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span style=""><span><span style="font-weight: bold;"></span>The Non-Degree Accounting Education Program, known as PPA (<i>Program Pendidikan Akuntansi Setara S1 Non-gelar</i>), is open to high-school graduates who meet the following criteria:<o:p></o:p></span></span></span></p><div style="text-align: justify;"> </div><ol style="margin-top: 0in; text-align: justify;font-family:arial;" type="1"><li class="test" style="margin: 0in 0in 0pt;color:black;"><span style="font-size:85%;"><span style=""><span>Indonesian nationals;<o:p></o:p></span></span></span> </li><li class="test" style="margin: 0in 0in 0pt;color:black;"><span style="font-size:85%;"><span style=""><span>Senior high-school and vocational high school graduates;<o:p></o:p></span></span></span> </li><li class="test" style="margin: 0in 0in 0pt;color:black;"><span style="font-size:85%;"><span style=""><span>A maximum of 20 years of age;<o:p></o:p></span></span></span> </li><li class="test" style="margin: 0in 0in 0pt;color:black;"><span style="font-size:85%;"><span style=""><span>A minimum average score of 7.0 in all their high school report cards from the first to the third year;<o:p></o:p></span></span></span> </li><li class="test" style="margin: 0in 0in 0pt;color:black;"><span style="font-size:85%;"><span style=""><span>A minimum average score of 7.0 in the subjects of math, economics and accounting in all report cards from the first to the third year;<o:p></o:p></span></span></span> </li><li class="test" style="margin: 0in 0in 0pt;color:black;"><span style="font-size:85%;"><span style=""><span>Have never repeated class;<o:p></o:p></span></span></span> </li><li class="test" style="margin: 0in 0in 0pt;color:black;"><span style="font-size:85%;"><span style=""><span>No history of drug abuse or any other crime;<o:p></o:p></span></span></span> </li><li class="test" style="margin: 0in 0in 0pt;color:black;"><span style="font-size:85%;"><span style=""><span>Pass the selection process.<o:p></o:p></span></span></span></li></ol><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span style=""><a name="TellerApprenticeshipProgram"><b><span><o:p> </o:p></span></b></a></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span style=""><span style=""><b><span><span style="color: rgb(255, 140, 0);">Bakti BCA Apprenticeship Program</span></span></b></span></span><span style=""><b><span><o:p></o:p></span></b></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span><o:p> </o:p></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span>BCA provides the opportunity for high school graduates as well as university undergraduates to gain work experience as tellers or Customer Service Officers (CSOs) through the Bakti BCA Apprenticeship Program.<o:p></o:p></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span><o:p> </o:p></span></span></p><div style="text-align: justify;"> </div><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><b><span><o:p> </o:p></span></b></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span>The apprenticeship program will last for one year with no requirement for the participants to work for BCA upon completion. Every participant will receive some pocket money throughout the duration of the program, and successful participants will later receive financial aids from BCA that they can use for continuing their education.</span></span></p><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><a name="RequirementsForTellerApprenticeship"><b><span><br /></span></b></a></span></p><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><a name="RequirementsForTellerApprenticeship"><b><span>Requirements</span></b></a></span></p><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><a name="RequirementsForTellerApprenticeship"><b><span><o:p></o:p></span></b></a></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span><span style="font-weight: bold;"><br /></span></span></span></p><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span><span style="font-weight: bold;"></span>High-performing senior high-school graduates or university undergraduates can take part in Bakti BCA Apprenticeship Program if they meet the following requirements:<o:p></o:p></span></span></p><div style="text-align: justify;"> </div><ol style="margin-top: 0in; text-align: justify;font-family:arial;" type="1"><li class="test" style="margin: 0in 0in 0pt;color:black;"><span style="font-size:85%;"><span>Indonesian nationals;<o:p></o:p></span></span> </li><li class="test" style="margin: 0in 0in 0pt;color:black;"><span style="font-size:85%;"><span>Male or female with an attractive personality;<o:p></o:p></span></span> </li><li class="test" style="margin: 0in 0in 0pt;color:black;"><span style="font-size:85%;"><span>Graduates of senior high schools or vocational high schools with an average of 7.0 in their high school report cards;<o:p></o:p></span></span> </li><li class="test" style="margin: 0in 0in 0pt;color:black;"><span style="font-size:85%;"><span>Graduates of D1-D3 programs or undergraduates with a minimum Grade Point Average (GPA) of 2.5;<o:p></o:p></span></span> </li><li class="test" style="margin: 0in 0in 0pt;color:black;"><span style="font-size:85%;"><span>A minimum age of 18 years and a maximum of 25 years;<o:p></o:p></span></span> </li><li class="test" style="margin: 0in 0in 0pt;color:black;"><span style="font-size:85%;"><span>Physically and mentally healthy;<o:p></o:p></span></span> </li><li class="test" style="margin: 0in 0in 0pt;color:black;"><span style="font-size:85%;"><span>Friendly and have the ability to communicate effectively;<o:p></o:p></span></span> </li><li class="test" style="margin: 0in 0in 0pt;color:black;"><span style="font-size:85%;"><span>No history of drug abuse or any other crime;<o:p></o:p></span></span> </li><li class="test" style="margin: 0in 0in 0pt;color:black;"><span style="font-size:85%;"><span>Willing to work at any BCA branch in the town where the candidates selection process takes place;<o:p></o:p></span></span> </li><li class="test" style="margin: 0in 0in 0pt;color:black;"><span style="font-size:85%;"><span>Willing to defer marriage for the duration of the apprenticeship program.<o:p></o:p></span></span> </li><li class="test" style="margin: 0in 0in 0pt;color:black;"><span style="font-size:85%;"><span>Pass the selection process.<o:p></o:p></span></span></li></ol><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span><o:p></o:p></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;">For further information please log on to <a href="http://www.baktibca.com/">www.baktibca.com</a></span> </p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"> </span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><a name="Scholarships"><b><span><span style="color: rgb(255, 140, 0);"><br /></span></span></b></a></span></p><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><a name="Scholarships"><b><span><span style="color: rgb(255, 140, 0);">Scholarships for Undergraduates<o:p></o:p></span></span></b></a></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span><o:p> </o:p></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span>Since 1999, BCA has been awarding undergraduate students working towards their bachelor’s degree (S1). The goal is to assist academically successful students with limited financial means to complete their education.<o:p></o:p></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span><o:p> </o:p></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span>The scholarships consist of academic tuition and some pocket money and are given for two years from the fourth to the eighth semesters. The scholarships can be terminated at any time if the recipients fail to meet the requirements.<o:p></o:p></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span><o:p> </o:p></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span>Up to June 2005, BCA had signed agreements with 16 top universities and institutes in <st1:country-region st="on"><st1:place st="on">Indonesia</st1:place></st1:country-region> and awarded scholarships to 138 students from these tertiary educational institutions. These are Gajah Mada University, University of Indonesia, Airlangga University, Diponegoro University, Bogor Institute of Agriculture, Bandung Institute of Technology, Sanata Dharma University (Yogyakarta), Duta Wacana, STIE Malang Kucecwara, Atmajaya University (Yogyakarta), Malang Institute of Technology, Petra University, Surabaya University, Jenderal Sudirman University and Widya Mandala University (Surabaya), Padjajaran University.</span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><a name="RequirementsForScholarship"><b><span><o:p> </o:p></span></b></a></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span style=""><b><span><br /></span></b></span></span></p><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span style=""><b><span>Requirements</span></b></span></span></p><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><br /><span style="font-size:85%;"><span style=""><b><span><o:p></o:p></span></b></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span>Each year BCA will contact the universities and institutes to offer the scholarships to their students who meet the required qualifications. The universities and institutes will then send their students who meet the following requirements:<o:p></o:p></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt 0.5in; text-indent: -0.25in; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span><span style="">1.<span> </span></span></span><span>Undergraduate students working towards their bachelor’s degree </span><span>(S1)</span><span>;<o:p></o:p></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt 0.5in; text-indent: -0.25in; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span><span style="">2.<span> </span></span></span><span>A maximum of 21 years of age;<o:p></o:p></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt 0.5in; text-indent: -0.25in; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span><span style="">3.<span> </span></span></span><span>Not married;<o:p></o:p></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt 0.5in; text-indent: -0.25in; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span><span style="">4.<span> </span></span></span><span>Already in the fourth semester;<o:p></o:p></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt 0.5in; text-indent: -0.25in; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span><span style="">5.<span> </span></span></span><span>A minimum Grade Point Average (GPA) of 3.25;<o:p></o:p></span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt 0.5in; text-indent: -0.25in; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span><span style="">6.<span> </span></span></span><span>Not receiving scholarships from other sources;</span></span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt 0.5in; text-indent: -0.25in; text-align: justify;font-family:arial;"><span style="font-size:85%;"> </span></p><div style="text-align: justify;"> </div><p class="test" style="margin: 0in 0in 0pt 0.5in; text-indent: -0.25in; text-align: justify;font-family:arial;"><span style="font-size:85%;"><span><o:p></o:p></span> </span></p><div style="text-align: justify;"> <span style=";font-family:arial;font-size:85%;" > <p class="test" style="margin: 0in 0in 0pt;"><a name="BaktiBCA"><span style="font-weight: bold; color: rgb(51, 0, 51);"><br /></span></a></p><p class="test" style="margin: 0in 0in 0pt;"><a name="BaktiBCA"><span style="font-weight: bold; color: rgb(51, 0, 51);">Bakti BCA for Education</span></a></p><p class="test" style="margin: 0in 0in 0pt;"><a name="BaktiBCA"><span style="font-weight: bold; color: rgb(51, 0, 51);"><br /></span></a></p><p class="test" style="margin: 0in 0in 0pt;"><a name="BaktiBCA"><b><span><span style="color:darkorange;"><o:p></o:p></span></span></b></a></p> <p class="test" style="margin: 0in 0in 0pt;"><span><o:p> </o:p></span></p> <p class="test" style="margin: 0in 0in 0pt;"><span>Bakti BCA (Bina Anak Tunas Indonesia) is the hallmark of our social commitment to education for those who will be the future of <st1:country-region st="on"><st1:place st="on">Indonesia</st1:place></st1:country-region>. Its main objective is to ensure that school children in the underprivileged regions have access to proper education. Therefore, beneficiaries of this program are primary and secondary schools in deprived districts in the country where parents are fully aware of the importance of education for their children. Recipients must be reputable schools—preferably state-run schools—with students from financially challenged families.<o:p></o:p></span></p> <p class="test" style="margin: 0in 0in 0pt;"><span><o:p> </o:p></span></p> <p class="test" style="margin: 0in 0in 0pt;"><span>For the elementary schools, Bakti BCA helped renovate the school building and donated books for the libraries, supplementary materials, extracurricular facilities and uniform for teachers.<o:p></o:p></span></p> <p class="test" style="margin: 0in 0in 0pt;"><span><o:p> </o:p></span></p> <p class="test" style="margin: 0in 0in 0pt;"><span>For the junior schools, Bakti BCA helped build computer labs (complete with VSAT-based Internet connection) and donated library and supplementary books, extracurricular facilities (including sewing machines). Bakti BCA also provided computer and other training for the teachers.<o:p></o:p></span></p> <p class="test" style="margin: 0in 0in 0pt;"><span><o:p> </o:p></span></p> <p class="test" style="margin: 0in 0in 0pt;"><span>For the high schools in this area, Bakti BCA also helped build computer labs (complete with VSAT-based Internet connection) and donated books for the libraries and the teachers. Training for the computer instructors and teachers was also part of the program.</span></p><p class="test" style="margin: 0in 0in 0pt;"><br /><span><o:p></o:p></span></p> <p class="test" style="margin: 0in 0in 0pt;"><span><o:p> </o:p></span></p> <p class="test" style="margin: 0in 0in 0pt;"><a name="BloodDonorDrives"><b><span><span style="color: rgb(255, 140, 0);">Blood Donor Drives<o:p></o:p></span></span></b></a></p> <p class="test" style="margin: 0in 0in 0pt;"><span><o:p> </o:p></span></p> <p class="test" style="margin: 0in 0in 0pt;"><span>As part of our direct involvement in the community, we have worked together with the Indonesian Red Cross and organized blood donor drives 3 to 4 four times each year since 1991. During these events, BCA’s management staff and employees donate their bloods.<o:p></o:p></span></p> <p class="test" style="margin: 0in 0in 0pt;"><span><o:p> </o:p></span></p> <p class="test" style="margin: 0in 0in 0pt;"><span>Up to June 2005, BCA has organized<strong> </strong>51 blood donor events, resulting in more than 29,500 blood bags.</span></p><p class="test" style="margin: 0in 0in 0pt;"><br /><span><o:p></o:p></span></p> <p class="test" style="margin: 0in 0in 0pt;"><span><o:p> </o:p></span></p> <p class="test" style="margin: 0in 0in 0pt;"><a name="CataractSurgeryPrograms"><b><span><span style="color: rgb(255, 140, 0);">Cataract Surgery Programs<o:p></o:p></span></span></b></a></p> <p class="test" style="margin: 0in 0in 0pt;"><span style=""><span><o:p> </o:p></span></span></p> <p class="test" style="margin: 0in 0in 0pt;"><span style=""><span>In cooperation with the Board of the Indonesian Ophthalmology Association (PERDAMI), since 2002 BCA has organized free cataract removal events aimed at community members who cannot afford such a surgery. The objective of this program is to help these needy cataract patients have their vision restored.<o:p></o:p></span></span></p> <p class="test" style="margin: 0in 0in 0pt; text-align: left;" align="left"> </p> <p class="test" style="margin: 0in 0in 0pt; text-align: left;" align="left">In 2002, we held the Free Cataract Surgery event in Lampung and a year later in Sukabumi.</p></span></div><p face="arial" style="text-align: justify;"> </p><p face="arial" style="text-align: justify;"> </p><p style="font-family: arial; text-align: justify;"> </p><p style="font-family: arial; text-align: justify;"> </p><div style="text-align: justify;"><span style=";font-family:arial;font-size:85%;" ><span style="font-weight: bold;" class="judl">CONTACT US</span></span><br /></div><p style="font-family: arial; text-align: justify;"><span style="font-size:85%;">Thank you for visiting BCA web site. We would appreciate any comments or suggestions in order to serve you better. </span></p><div style="text-align: justify;"> </div><p style="font-family: arial; text-align: justify;"><span style="font-size:85%;"><span style="color:darkblue;"><strong>Halo BCA</strong></span><span style="color: rgb(255, 102, 0);"> </span><span><o:p></o:p></span></span></p><div style="text-align: justify;"> </div><div style="text-align: justify;font-family:arial;"> <table class="test" style="width: 209.25pt; text-align: left; margin-left: 0px; margin-right: 0px;" border="0" cellpadding="0" width="279"> <tbody> <tr> <td style="border: medium none rgb(212, 208, 200); padding: 0in; background: rgb(255, 208, 0) none repeat scroll 0% 50%; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial; width: 103.2pt;" width="138"> <p class="test" style="margin: 0in 0in 0pt; text-align: center;" align="center"><span style="font-size:85%;"><strong><span lang="EN-GB">City</span></strong><strong><span lang="EN-GB"> </span></strong></span></p></td> <td style="border: medium none rgb(212, 208, 200); padding: 0in; background: rgb(255, 208, 0) none repeat scroll 0% 50%; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial; width: 101.55pt;" width="135"><span style="font-size:85%;"><strong><span lang="EN-GB"> <p class="test" style="text-align: center;" align="center"><b><span style="color: rgb(69, 69, 69);">Phone Number </span></b><span style="color: rgb(69, 69, 69);"><o:p></o:p></span></p></span></strong></span></td></tr> <tr> <td style="border: medium none rgb(212, 208, 200); padding: 0in; background: rgb(240, 240, 240) none repeat scroll 0% 50%; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;"> <p class="test" style="margin: 0in 0in 0pt;"><span style="font-size:85%;"><span lang="EN-GB">Halo BCA Jakarta</span></span></p></td> <td style="border: medium none rgb(212, 208, 200); padding: 0in; background: rgb(240, 240, 240) none repeat scroll 0% 50%; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial; width: 101.55pt;" width="135"> <p class="test" style="margin: 0in 0in 0pt;"><span style="font-size:85%;"><span lang="EN-GB">(021) 52-999-888 </span></span></p></td></tr> <tr> <td style="border: medium none rgb(212, 208, 200); padding: 0in;"> <p class="test" style="margin: 0in 0in 0pt;"><span style="font-size:85%;"><span lang="EN-GB">Halo BCA Surabaya</span></span></p></td> <td style="border: medium none rgb(212, 208, 200); padding: 0in; width: 101.55pt;" width="135"> <p class="test" style="margin: 0in 0in 0pt;"><span style="font-size:85%;"><span lang="EN-GB">(031) 6000-8888</span><span lang="EN-GB"> </span></span></p></td></tr> <tr> <td style="border: medium none rgb(212, 208, 200); padding: 0in; background: rgb(240, 240, 240) none repeat scroll 0% 50%; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;"> <p class="test" style="margin: 0in 0in 0pt;"><span style="font-size:85%;"><span lang="EN-GB">Halo BCA Bandung</span></span></p></td> <td style="border: medium none rgb(212, 208, 200); padding: 0in; background: rgb(240, 240, 240) none repeat scroll 0% 50%; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial; width: 101.55pt;" width="135"><span style="font-size:85%;"><span lang="EN-GB"><span lang="EN-GB"> <p class="test" style="margin: 0in 0in 0pt;"><span lang="EN-GB">(022) 422-8888</span><span lang="EN-GB"> </span></p></span></span></span></td></tr> <tr> <td style="border: medium none rgb(212, 208, 200); padding: 0in;"> <p class="test" style="margin: 0in 0in 0pt;"><span style="font-size:85%;"><span lang="EN-GB">Halo BCA Medan</span></span></p></td> <td style="border: medium none rgb(212, 208, 200); padding: 0in; width: 101.55pt;" width="135"><span style="font-size:85%;"><span lang="EN-GB"> <p class="test" style="margin: 0in 0in 0pt;"><span lang="EN-GB">0804-1-999-888</span></p></span></span></td></tr> <tr> <td style="border: medium none rgb(212, 208, 200); padding: 0in; background: rgb(240, 240, 240) none repeat scroll 0% 50%; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;"> <p class="test" style="margin: 0in 0in 0pt;"><span style="font-size:85%;"><span lang="EN-GB">Halo BCA Palembang</span></span></p></td> <td style="border: medium none rgb(212, 208, 200); padding: 0in; background: rgb(240, 240, 240) none repeat scroll 0% 50%; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial; width: 101.55pt;" width="135"><span style="font-size:85%;"><span lang="EN-GB"> <p class="test" style="margin: 0in 0in 0pt;"><span lang="EN-GB">0804-1-999-888</span></p></span></span></td></tr> <tr> <td style="border: medium none rgb(212, 208, 200); padding: 0in;"> <p class="test" style="margin: 0in 0in 0pt;"><span style="font-size:85%;"><span lang="EN-GB">Halo BCA Semarang</span></span></p></td> <td style="border: medium none rgb(212, 208, 200); padding: 0in; width: 101.55pt;" width="135"><span style="font-size:85%;"><span lang="EN-GB"> <p class="test" style="margin: 0in 0in 0pt;"><span lang="EN-GB">0804-1-999-888</span></p></span></span></td></tr> <tr> <td style="border: medium none rgb(212, 208, 200); padding: 0in; background: rgb(240, 240, 240) none repeat scroll 0% 50%; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial;"> <p class="test" style="margin: 0in 0in 0pt;"><span style="font-size:85%;"><span lang="EN-GB">Halo BCA Solo</span></span></p></td> <td style="border: medium none rgb(212, 208, 200); padding: 0in; background: rgb(240, 240, 240) none repeat scroll 0% 50%; -moz-background-clip: -moz-initial; -moz-background-origin: -moz-initial; -moz-background-inline-policy: -moz-initial; width: 101.55pt;" width="135"><span style="font-size:85%;"><span lang="EN-GB"> <p class="test" style="margin: 0in 0in 0pt;"><span lang="EN-GB">0804-1-999-888</span></p></span></span></td></tr> <tr> <td style="border: medium none rgb(212, 208, 200); padding: 0in;"> <p class="test" style="margin: 0in 0in 0pt;"><span style="font-size:85%;"><span lang="EN-GB">Halo BCA Malang</span></span></p></td> <td style="border: medium none rgb(212, 208, 200); padding: 0in; width: 101.55pt;" width="135"> <p class="test" style="margin: 0in 0in 0pt;"><span style="font-size:85%;"><span lang="EN-GB">0804-1-999-888</span></span></p></td></tr></tbody></table></div><div style="text-align: justify;"> </div><div style="text-align: justify;font-family:arial;"><span style="font-size:85%;"> </span></div><div style="text-align: justify;"> </div><div style="text-align: justify;font-family:arial;"> <span style="font-size:85%;"><span style="color:darkblue;"><strong>Halo BCA 69-888</strong></span> (From cell phone)</span><br /><span style="font-size:85%;"> </span><br /><span style="font-size:85%;"><span class="666241002-20072006">email: <a href="mailto:halobca@bca.co.id">halobca@bca.co.id</a><a href="mailto:halobca@bca.co.id"><br /></a></span></span></div><div style="text-align: justify;"> </div><div style="text-align: justify;font-family:arial;"><span style="font-size:85%;"><a href="mailto:halobca@bca.co.id"><br /></a></span></div>Taufikhttp://www.blogger.com/profile/10024995061077951576noreply@blogger.com0tag:blogger.com,1999:blog-3369195301900165929.post-58158542412016110802007-11-20T17:19:00.000-08:002007-11-20T17:47:16.788-08:00BANK DANAMON<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_M5yo3XeLHXM/R0ONOtL4LMI/AAAAAAAAAAk/ojWGjHHPFRQ/s1600-h/logoDanamon.jpg"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer;" src="http://4.bp.blogspot.com/_M5yo3XeLHXM/R0ONOtL4LMI/AAAAAAAAAAk/ojWGjHHPFRQ/s320/logoDanamon.jpg" alt="" id="BLOGGER_PHOTO_ID_5135103283919596738" border="0" /></a><br /><br /><span style="font-size:85%;"><span class="overviewttl" style="font-family:arial;"><span style="font-weight: bold; color: rgb(255, 0, 0);"><br /><br />About Us<br /><br /></span></span><span class="overviewtxt" style="font-family:arial;">We care and enable millions to prosper<br />Caring, Honesty, Passion to excel, Teamwork, Disciplined Professionalism.<br /></span></span> <p style="font-family:arial;"><span style="font-size:85%;"><span class="artikeltxt2"><span style="font-weight: bold; color: rgb(255, 0, 0);">Vision, Mission & Values</span><br /></span></span></p><span style="font-size:85%;"><span class="artikeltxt2" style="font-family:arial;"><strong style="font-weight: bold; font-style: italic;"><span class="danamonone_orange_bigger">Vision</span></strong><br />We Care and Enable Millions to Prosper<br /><br /><strong style="font-style: italic; font-weight: bold;"><span class="danamonone_orange_bigger">Mission</span></strong><br />Danamon aims to become “The Leading Financial Institution in Indonesia” with a significant market presence.<br /><br />A Customer Centric Organization which covers all customer segments, each with a unique value proposition, centered on Sales and Service Excellence supported by World Class Technology.<br /><br />We aspire to be the Employer Of Choice and to be respected by our Customers, Employees, Shareholders, Regulators and the Community<br /><br /><strong style="font-weight: bold; font-style: italic;"><span class="danamonone_orange_bigger">Values</span></strong><br />Caring, Honesty, Passion to Excel, Teamwork, Disciplined Professionalism.<br /><br /></span></span><p style="font-weight: bold; color: rgb(255, 0, 0);font-family:arial;"><span style="font-size:85%;"><span class="artikelttl">Know Your Customer</span></span></p><p style="font-family:arial;"><span style="font-size:85%;"><span class="artikeltxt2"></span></span></p><p style="font-family:arial;"><span style="font-size:85%;"><span class="artikeltxt2"><p class="title1" align="left"><span style="font-weight: bold;">PT BANK DANAMON INDONESIA TBK KNOW YOUR CUSTOMER</span><br /></p> <p class="artikeltxt"> <span style="font-style: italic; font-weight: bold;" class="title1">Money Laundering</span><br />Money laundering is a phenomenal crime which has become an international world focus. It covers up the fund resulted from crime through several processes of placement, layering and integration until it looks like coming from legitimate source. The money can be hardly to track, and the offender will free to enjoy it. </p> <p class="artikeltxt"> Banking is a dominant element in financial system which is often used as the medium of money laundering. In doing the laundering, wrongdoer usually uses the various products of financial services offered by the bank to consumer privileges. Referring to this matter, bank carries potency of several risks, such as risks of reputation, operational, law, and concentration. Therefore, securing the banking system from money laundering activity shall be taken as a crucial need. </p> <p class="artikeltxt"> <span style="font-style: italic; font-weight: bold;" class="title1">Recognizing the Consumer through Know Your Customer</span><br />In order to prevent the bank from being exploited as money laundering medium, for the first time Indonesia Bank issued a regulation of PBI No.3/10/PBI/2001 about Principles to Recognize Consumer (Know Your Customer) in 2001, that has been altered by PBI No.5/21/PBI/2003 to correspond with Law No.15/2002 as altered by Law No.25/2003 about Money Laundering Crime. </p> <p>Referring to the law and regulation, PT Bank Danamon Indonesia Tbk (BDI) conducts the followings steps: </p> <ol type="1"><li><strong>KYC Policy and Procedure</strong><br /> As part of risk management and surveillance effort on money lundering crime, BDI applies the Know Your Customer (KYC) principles. To ascertain the KYC execution, BDI has had Procedure and Policy to manage the execution. Policy contains basic principles of understanding KYC, while Procedure provides a comprehensive execution guidance which is important as a manual for frontliners or field executors in every branch office that contacts directly with client.<br /></li><br /><li><strong>Work Unit of KYC (UKPN)</strong><br />In its relation with KYC execution, BDI forms a work unit of KYC (UKPN) which is responsible directly to Compliance Director (Direktur Kepatuhan). Some of UKPN job descriptions are ascertaining the existence of system development that identifies distrustful transaction and customer, monitoring the process of updating client profile, and also conducts coordination and monitoring toward KYC execution by relevant work units. </li></ol></span></span></p><span style="font-size:85%;"> <strong style="font-family: arial;">Training</strong> <span style="font-family:arial;"> In order to give understanding and to ascertain KYC execution, BDI through UKPN persistently provides socialization in the form of training to entire BDI branches. Training material consists of Money Laundering theory and technique of KYC execution that includes policies of accepting and identifying client, monitoring transaction, and reporting distrustful financial transaction. Nowadays BDI designs KYC training in video format to stimulate each branch to organize the training independently at flexible time and place.</span> <span style="font-weight: bold; color: rgb(255, 0, 0);font-family:arial;" class="artikelttl" ><br /><br />Bank Danamon in Brief<br /></span></span> <p style="font-family:arial;"><span style="font-size:85%;"><span class="artikeltxt">PT Bank Danamon Indonesia Tbk was established in 1956 under the name of PT Bank Kopra Indonesia, in 1976, the Bank's name was changed to the present name, Bank Danamon Indonesia. The Bank became the first Indonesian private foreign exchange bank in 1976 and a publicly listed bank in 1989.</span></span></p> <p style="font-family:arial;"><span style="font-size:85%;"><span class="artikeltxt">In 1977, as a result of the Asian financial crisis, Bank Danamon ran into liquidity insolvency and was placed under the supervision of the Indonesian Bank Restructuring Agency (IBRA) as a BTO (taken over) bank. In 1999, the government of Indonesia, thought IBRA, recapitalized the Bank with Rp 32 trillion of government bonds. Within the same year, another BTO bank was merger into Bank Danamon as part of the restructuring programme of IBRA.</span></span></p> <p style="font-family:arial;"><span style="font-size:85%;"><span class="artikeltxt">In 2000, Bank Danamon took under its wings eight other BTO banks. As the surviving entity, Bank Danamon emerged from the merger as one of the pillar banks of Indonesia.</span></span></p> <p style="font-family:arial;"><span style="font-size:85%;"><span class="artikeltxt">During the next three years, Bank Danamon underwent extensive restructuring involving management, people, organization, systems, core values and corporate identity. The efforts succeeded in laying down new foundations and infrastructure for the Bank to pursue growth based on transparency, responsibility, integrity and professionalism (TRIP).</span></span></p> <p style="font-family:arial;"><span style="font-size:85%;"><span class="artikeltxt">In 2003, Bank Danamon was acquired by the Asia Finance Indonesia consortium which took a majority controlling stake in the Bank. With new management at the helm, and 180-day remapping of its business model and strategy, Bank Danamon continues to undergo a transformational change designed to mold it into a leading national bank and a key regional player.<br /></span></span></p><span style="color: rgb(255, 255, 255);font-size:85%;" > <span style="font-family:arial;"><span style="color: rgb(51, 51, 255);"><span style="font-weight: bold;" class="texttitle">Address of Bank Mandiri Head Office</span></span></span> </span><p style="font-family:arial;"><span style="font-size:85%;"><span class="artikeltxt2"></span></span></p><p style="font-family:arial;"><span style="font-size:85%;"><span class="artikeltxt2"> <table border="0" cellpadding="0" cellspacing="0" width="63%"> <tbody><tr> <td width="309"><table class="text1" border="0" cellpadding="3" cellspacing="0"> <tbody><tr> <td width="52"><span class="artikeltxt">Jakarta</span></td> <td width="32"><span class="artikeltxt">(021)</span></td> <td align="right" width="24"><span class="artikeltxt">3435</span></td> <td align="right" width="29"><span class="artikeltxt"> 8888</span></td> </tr> <tr> <td width="52"><span class="artikeltxt">Bandung</span></td> <td width="32"><span class="artikeltxt">(022)</span></td> <td align="right" width="24"><span class="artikeltxt">421</span></td> <td align="right" width="29"><span class="artikeltxt"> 1188</span></td> </tr> <tr> <td width="52"><span class="artikeltxt">Semarang </span></td> <td width="32"><span class="artikeltxt">(024)</span></td> <td align="right" width="24"><span class="artikeltxt">3581</span></td> <td align="right" width="29"><span class="artikeltxt"> 888</span></td> </tr> <tr> <td width="52"><span class="artikeltxt">Surabaya</span></td> <td width="32"><span class="artikeltxt">(031)</span></td> <td align="right" width="24"><span class="artikeltxt">5346</span></td> <td align="right" width="29"><span class="artikeltxt"> 999</span></td> </tr> </tbody></table></td> <td width="317"><table class="text1" border="0" cellpadding="3" cellspacing="0"> <tbody><tr> <td width="52"><span class="artikeltxt">Medan</span></td> <td width="32"><span class="artikeltxt">(061)</span></td> <td align="right" width="24"><span class="artikeltxt">457</span></td> <td align="right" width="29"><span class="artikeltxt"> 9999</span></td> </tr> <tr> <td width="52"><span class="artikeltxt">Denpasar</span></td> <td width="32"><span class="artikeltxt">(0361)</span></td> <td align="right" width="24"><span class="artikeltxt">243</span></td> <td align="right" width="29"><span class="artikeltxt"> 888</span></td> </tr> <tr> <td width="52"><span class="artikeltxt">Balikpapan</span></td> <td width="32"><span class="artikeltxt">(0542)</span></td> <td align="right" width="24"><span class="artikeltxt">730</span></td> <td align="right" width="29"><span class="artikeltxt"> 003</span></td> </tr> <tr> <td width="52"><span class="artikeltxt">Makassar</span></td> <td width="32"><span class="artikeltxt">(0411)</span></td> <td align="right" width="24"><span class="artikeltxt">334</span></td> <td align="right" width="29"><span class="artikeltxt"> 555</span></td> </tr> </tbody></table></td> </tr> </tbody></table> <p>email : <a href="http://www.danamon.co.id/tentang/saran.htm">danamon.access@danamon.co.id</a> </p> </span></span></p><span style="font-size:85%;"> </span>Taufikhttp://www.blogger.com/profile/10024995061077951576noreply@blogger.com0tag:blogger.com,1999:blog-3369195301900165929.post-22018484533923717432007-11-14T20:06:00.000-08:002007-11-14T21:16:58.518-08:00BANK MANDIRI<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://2.bp.blogspot.com/_M5yo3XeLHXM/RzvPbNL4LKI/AAAAAAAAAAU/L9wM1eu7kfE/s1600-h/bm_logo.gif"><img style="cursor: pointer;" src="http://2.bp.blogspot.com/_M5yo3XeLHXM/RzvPbNL4LKI/AAAAAAAAAAU/L9wM1eu7kfE/s320/bm_logo.gif" alt="" id="BLOGGER_PHOTO_ID_5132924266621709474" border="0" /></a><span class="texttitle2" style="font-family:arial;"><span style="font-size:130%;"><span style="font-weight: bold; color: rgb(255, 0, 0);"><br /><br />About Us</span></span></span><br /><div style="text-align: justify;font-family:verdana;"><span style="font-weight: bold; color: rgb(51, 51, 255);font-size:100%;" class="texttitle" ><br />Corporate Profile<br /></span><span style="font-size:85%;"><span class="text1"><br /></span></span></div><div style="text-align: justify; font-family: verdana;"> </div><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;"><span class="text1">Bank Mandiri os Indonesia's largest bank in terms of assets, loans and deposits. Total assets as of March 31, 2002 were Rp 261,9 trillion, or around 24% of the assets in the banking system. With a net profit of Rp 1.17 trillion as of March 31, 2002 (an increase of 270% from same period 2001), Bank Mandiri is the most profitable bank in Indonesia. Bank Mandiri is also one of the best capitalized banks in Asia with a Capital Adequacy Ratio (CAR) of more than 27%, several times the 8% required by the Bank of International Settlements ( BIS). Through the efforts of its more that 17,500 employeess Bank Mandiri provides comprehensive financial service to more than 6 million corporate and individual customers as well as small and medium sized enterprises in Indonesia.</span></span></p><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;"><span class="text1">Established in October 1998, in the aftermath of the Asian financial crisis of 1997 and 1998, Bank Mandiri is a product of a merger of four state-owned banks: Bank Bumi Daya, Bank Dagang Negara, Bank Ekspor Impor and Bank Pembangunan Indonesia. In the depths of the crisis, at Government instigation, sixty-seven banks were closed, merged or acquired by other institutions. To restore bank balance sheets and public confidence, the Government implemented a radical restructuring and recapitalization program, directed by the Indonesian Bank Restructuring Agency (IBRA). Government priorities were to reduce overlap in the banking sector and to create much larger, stronger entities that could serve the needs of a modernizing economy.</span></span></p><div style="text-align: justify; font-family: verdana;"> </div><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;"><span class="text1">Since its establishment, Bank Mandiri has successfully turned around its balance sheet, its profitability and its way of doing business to become the preferred bank in Indonesia. Non-performing loans (NPL's) were reduced from 71,29% at the end of 1999 to 9.5% as of 31 March 2002. NPL's are restructured according to a 19 step restructuring process, the most rigorous process among Indonesia banks. Following the merger, Bank Mandiri closed 194 branches and reduced its workforce from 26,600 to 17,620. Processes have been streamlined and operating expenses have declined. The cost-to-income ratio improved from 33.8% as of 31 March 2001 to 29.3% as of 31 March 2002.</span></span></p><div style="text-align: justify; font-family: verdana;"> </div><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;"><span class="text1">One of Bank Mandiri's greatest achievements has been the complete renovation of its technology platform. Management inherited a total of nine different technology platform. Management inherited a total of ninte different technology platforms for the four legacy banks. After more that 38,000 man-hours of work, an investment of US$ 23 million for new equipment, Bank Mandiri now has a single technology platform creates a unified interface for customers increasing the efficiency of back office processing. The Bank is mid-way through its three-year US$ 200 million program to up-grade its technology platform, which will provide significantly improved products and services to its customers.</span></span></p><div style="text-align: justify; font-family: verdana;"> </div><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;"><span class="text1">The corporate customer base of Bank Mandiri represents the core of the Indonesia economy and the export sector. It includes well-known international names such as Garuda Indonesia, Semen Gresik dan Pertamina. By sector, it is well diversified and is particularly active in the mining, retail, cement, power, oil and gas and aviation sectors. Credit approvals and monitoring are subject to a highly structured "four eyes" approval process, which separates credit decisions from marketing decisions. Bank Mandiri has been making significant progress in growing its small and medium enterprise (SME) customers. As of 31 March 2002, loans to retail customers (including SMEs) reached Rp 9.25 trillion, an increase of 16.8% from same period in 2001.</span></span></p><div style="text-align: justify; font-family: verdana;"> </div><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;"><span class="text1">Bank Mandiri has also made significant progress in the retail segment. Total deposits reached Rp 187.6 trillion as of 31 March 2002, an increase of 5.8% from 31 March 2001. Bank Mandiri's credit card unit signed up more than 100,000 new customers in its first 10 months. The bank currently has a total of 642 branches. The Bank's distribution is further enhanced by its 1.184 ATM's, which is part of an 3,000 plus LINK network (network linking all state banks' ATM's).</span></span></p><div style="text-align: justify; font-family: verdana;"> </div><p style="text-align: justify;font-family:arial;"><span style="font-size:85%;"><span class="text1">From its founding Bank Mandiri has worked to create a strong, professional management team operating under internationally recognized stringent principles of corporate governance, control and compliance. The bank is supervised by a Board of Commissioners appointed by the Ministry of Finance from respected members of the financial community. The highest level of executive management is the Board of Directors, headed by a President Director. The Board of Director includes bankers drawn from the legacy banks as well as independent outside directors. Although Indonesian law requires directors to be Indonesian nationals, Bank Mandiri has recruited a number of non-Indonesia bankers occupying key positions, currently including its Chief Financial Officer. In addition, Bank Mandiri maintains independent Offices of Compliances, Audit and the Company Secretary and is under regular security from external auditors from Bank Indonesia, the Supreme Audit Agency, as well as international auditing firms.</span></span></p><p style="color: rgb(51, 51, 255); font-weight: bold;font-family:verdana;"><span style="font-size:100%;"><span class="texttitle">Company Story</span></span></p> <p style="font-family:verdana;"><span style="font-size:85%;"><span class="text1">Bank Mandiri os Indonesia's largest bank in terms of assets, loans and deposits. Total assets as of March 31, 2002 were Rp 261,9 trillion, or around 24% of the assets in the banking system. With a net profit of Rp 1.17 trillion as of March 31, 2002 (an increase of 270% from same period 2001), Bank Mandiri is the most profitable bank in Indonesia. Bank Mandiri is also one of the best capitalized banks in Asia with a Capital Adequacy Ratio (CAR) of more than 27%, several times the 8% required by the Bank of International Settlements ( BIS). Through the efforts of its more that 17,500 employeess Bank Mandiri provides comprehensive financial service to more than 6 million corporate and individual customers as well as small and medium sized enterprises in Indonesia.</span></span></p> <p style="font-family:verdana;"><span style="font-size:85%;"><span class="text1">Established in October 1998, in the aftermath of the Asian financial crisis of 1997 and 1998, Bank Mandiri is a product of a merger of four state-owned banks: Bank Bumi Daya, Bank Dagang Negara, Bank Ekspor Impor and Bank Pembangunan Indonesia. In the depths of the crisis, at Government instigation, sixty-seven banks were closed, merged or acquired by other institutions. To restore bank balance sheets and public confidence, the Government implemented a radical restructuring and recapitalization program, directed by the Indonesian Bank Restructuring Agency (IBRA). Government priorities were to reduce overlap in the banking sector and to create much larger, stronger entities that could serve the needs of a modernizing economy.</span></span></p> <p style="font-family:verdana;"><span style="font-size:85%;"><span class="text1">Since its establishment, Bank Mandiri has successfully turned around its balance sheet, its profitability and its way of doing business to become the preferred bank in Indonesia. Non-performing loans (NPL's) were reduced from 71,29% at the end of 1999 to 9.5% as of 31 March 2002. NPL's are restructured according to a 19 step restructuring process, the most rigorous process among Indonesia banks. Following the merger, Bank Mandiri closed 194 branches and reduced its workforce from 26,600 to 17,620. Processes have been streamlined and operating expenses have declined. The cost-to-income ratio improved from 33.8% as of 31 March 2001 to 29.3% as of 31 March 2002.</span></span></p> <p style="font-family:verdana;"><span style="font-size:85%;"><span class="text1">One of Bank Mandiri's greatest achievements has been the complete renovation of its technology platform. Management inherited a total of nine different technology platform. Management inherited a total of ninte different technology platforms for the four legacy banks. After more that 38,000 man-hours of work, an investment of US$ 23 million for new equipment, Bank Mandiri now has a single technology platform creates a unified interface for customers increasing the efficiency of back office processing. The Bank is mid-way through its three-year US$ 200 million program to up-grade its technology platform, which will provide significantly improved products and services to its customers.</span></span></p> <p style="font-family:verdana;"><span style="font-size:85%;"><span class="text1">The corporate customer base of Bank Mandiri represents the core of the Indonesia economy and the export sector. It includes well-known international names such as Garuda Indonesia, Semen Gresik dan Pertamina. By sector, it is well diversified and is particularly active in the mining, retail, cement, power, oil and gas and aviation sectors. Credit approvals and monitoring are subject to a highly structured "four eyes" approval process, which separates credit decisions from marketing decisions. Bank Mandiri has been making significant progress in growing its small and medium enterprise (SME) customers. As of 31 March 2002, loans to retail customers (including SMEs) reached Rp 9.25 trillion, an increase of 16.8% from same period in 2001.</span></span></p> <p style="font-family:verdana;"><span style="font-size:85%;"><span class="text1">Bank Mandiri has also made significant progress in the retail segment. Total deposits reached Rp 187.6 trillion as of 31 March 2002, an increase of 5.8% from 31 March 2001. Bank Mandiri's credit card unit signed up more than 100,000 new customers in its first 10 months. The bank currently has a total of 642 branches. The Bank's distribution is further enhanced by its 1.184 ATM's, which is part of an 3,000 plus LINK network (network linking all state banks' ATM's).</span></span></p> <p style="font-family:verdana;"><span style="font-size:85%;"><span class="text1">From its founding Bank Mandiri has worked to create a strong, professional management team operating under internationally recognized stringent principles of corporate governance, control and compliance. The bank is supervised by a Board of Commissioners appointed by the Ministry of Finance from respected members of the financial community. The highest level of executive management is the Board of Directors, headed by a President Director. The Board of Director includes bankers drawn from the legacy banks as well as independent outside directors. Although Indonesian law requires directors to be Indonesian nationals, Bank Mandiri has recruited a number of non-Indonesia bankers occupying key positions, currently including its Chief Financial Officer. In addition, Bank Mandiri maintains independent Offices of Compliances, Audit and the Company Secretary and is under regular security from external auditors from Bank Indonesia, the Supreme Audit Agency, as well as international auditing firms.</span></span></p><p style="font-weight: bold; color: rgb(51, 51, 255);font-family:verdana;"><span style="font-size:100%;"><span class="texttitle">Vision and Mission</span></span></p> <p style="font-family:verdana;"><span style="font-size:85%;"><span class="text1bold">Our Vision :</span><br /><span class="text1">The Trusted and Preferred Bank</span></span> </p>Our Mission :<p style="font-family:verdana;"><span style="font-size:85%;"> <span class="text1"> <ul><li>To be market oriented </li><li>To enhance professionalism </li><li>To maximize returns to stakeholders </li><li>To have an open management approach </li><li>To demonstrate concern for the community and the environment</li></ul></span><span style="color: rgb(51, 51, 255);font-size:100%;" ><span style="font-weight: bold;font-family:verdana;" class="texttitle" >Address of Bank Mandiri Head Office</span></span></span></p><p style="font-family:verdana;"><span style="font-size:85%;"><strong class="texttitle11">PT BANK MANDIRI (PERSERO) Tbk.</strong><br /><span class="text1">Jl, Jenderal Gatot Subroto Kav. 36-38<br /> Jakarta 12190 – Indonesia<br /> Telp: 14000, +62-21-52997777<br /> Fax: +62-21-52997735</span></span> </p><p face="verdana"> </p>Taufikhttp://www.blogger.com/profile/10024995061077951576noreply@blogger.com0