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BANK MANAGEMENT

GROUP MEMBERS : ANGGI ELWIN ROMPAS IRENE MENAJANG MICHELLE MAMBU INTERNATIONAL BUSINESS ADMINISTRATION

OVERVIEW OF BANK BNI


"In line with the development and progress of society, the nation and the Republic of Indonesia, during the 66 years since the age of BNI was first established on July 5, 1946, BNI continues to grow and evolve with the State, safeguard development in various sectors of the industry, according to the tagline BNI Serving State , Pride of the Nation " Founded in 1946, formerly known as the BNI Bank Negara Indonesia, is the first bank formed and owned by the Government of Indonesia. Bank Negara Indonesia began to circulate first official payment instrument issued by the Government of Indonesia, the ORI or Oeang Republic of Indonesia, on the eve of 30 October 1946, just a few months since its formation. Until now, this day is commemorated as the Day of National Treasury, while the establishment which falls on July 5, defined as the Day of National Bank. Following the appointment of De Javsche Bank, which is inherited from the Dutch Government as the Central Bank in 1949, the Government restricts the role of Bank Negara Indonesia as the circulation and central bank. Bank Negara Indonesia subsequently designated as a development bank, and then given the right to act as a foreign bank, with direct access to foreign transactions. In connection with the capital increase in 1955, the status of Bank Negara Indonesia transformed into state-owned commercial banks. These changes underlie better service and a lever for the national business sector. In line with the decision of the use of the foundation as part of the corporate identity, name of Bank Negara Indonesia 1946 from late 1968. This change makes the Bank Negara Indonesia is better known as 'BNI 46'. Use nicknames that are easier to remember - 'Bank BNI' - set along with the change of corporate identity in 1988. In 1992, BNI's legal status and the name changed to PT Bank Negara Indonesia (Persero), while the decision to become a public company realized an initial public offering on the stock market in 1996. BNI's ability to adapt to changes and advances environmental, socio-cultural and technological corporate identity is reflected through the continuous refinement from time to time. It also confirms BNI dedication and commitment to improving the quality of performance continuously. In 2004, an updated corporate identity began to be used to describe the prospect of a better future, after the success of wading through the tough times. The term 'Bank BNI' shortened to 'BNI', while the establishment - '46 '- used in the company's logo to reinforce pride as the first national bank that was born in the era of the Republic of Indonesia. At the end of 2012, the Government of the Republic of Indonesia BNI holds a 60% stake, while the remaining 40% is owned by public shareholders, both individuals and institutions,

domestic and foreign. Currently, BNI is the 4th largest bank in Indonesia by assets, total loans and total deposits. BNI offers integrated financial services to customers, supported by subsidiaries: Bank BNI Syariah, BNI Multi Finance, Securities and BNI BNI Life Insurance. At the end of 2012, BNI has assets totaling Rp333, 3 trillion and employs more than 24 861 employees. To serve its customers, BNI operate a wide service network includes 1,585 domestic outlets and 5 overseas branches in New York, London, Tokyo, Hong Kong and Singapore, 8,227 self-owned ATMs, 42,000 facilities EDC and SMS banking and Internet banking. BNI is always trying to be the bank of choice that provides excellent service and value-added solutions to all customers. Departing from the spirit of the struggle that is rooted in history, BNI is committed to providing the best service for the country, and always be the pride of the country.

ORGANIZATIONAL STRUCTURE

FINANCIAL STATEMENT

EVALUATION OF BANKS PERFORMANCE


Achievement of Bank BNI
Award 2012 Sustainable Business Award 2012, 2 kategori: The Best State Owned Company dan Banking and Finance Champion Indonesia Green Company Award 2012 SRI Kehati Award 2012 Award 2011 Shortlisted Nominee Sustainable Bank of the Year 2011 Asia Pacific Category. BNI masuk dalam shortlisted nominees Sustainable Bank of the Year 2011 Kategori Asia Pasifik. Penghargaan diberikan oleh Financial Times-International Finance Corporation pada 16 Juni 2011 di London Inggris. Social Empowerment Award 2011. BNI memperoleh Social Empowerment Award 2011 AREA Southeast Asia (Asia Responsible Entrepreneur Award Southeast Asia). Penghargaan diberikan oleh AREA tanggal 10 Juni 2011 di Singapore. Indonesia Green Award 2011. BNI memperoleh Indonesia Green Award 2011 kategori Perbankan yang menjadi Penginspirasi Bumi melalui Visi Biru Aksi Hijau. Penghargaan diberikan oleh La Tofi School of CSR pada 28 September 2011 di Jakarta. Indonesian CSR Award 2011 Platinum. BNI memperoleh ICA Award 2011 Kategori Platinum di bidang Sosial untuk proyek CSR Hutan BNI Kota Banda Aceh. Penghargaan diberikan oleh CFCD (Corporate Forum for Community Development) pada 15 Desember 2011. Award 2010 CORPORATE ACTION BEYOND GREEN WITH BICYCLE 2010 (FROM B2W COMMUNITY) INDONESIA GREEN BANKING AWARD 2010 (SILVER) GREEN LEADERSHIP AWARD 2010 COMMENDATION FOR FIRST TIME SUSTAINABILITY REPORTING ON ISRA AWARD 2010 Award 2009 GREEN LEADERSHIP AWARD 2009 It is awarded to participant which has implemented energy efficiency, water conservation and recycling, developing green product, and incorporated an environment performance into their sustainable development strategy. COMMUNITY ENGAGEMENT AWARD 2009 It is awarded to participant which has programs to enhance the quality of life of the surrounding community, to give a better access to higher education for society, and other programs which involve the society in their business.

MANAGING SOURCES OF FUNDS


Banking products are provided by BNI, among others: 1. Product BNI - BNI Deposits Taplus Is savings plus of BNI studded with a variety of services plus benefits. BNI Taplus benefits, among others: Progressive rate with an attractive interest rate. Interest is calculated on the basis of the average daily balance. More we save, the greater the benefit to be received. We can make deposits and withdrawals online throughout BNI branch nearby. Deposits and withdrawals can also be done through e-channels: BNI ATM (Automatic Teller Machine), CDM (Cash Deposit Machine) are spread throughout Indonesia. BNI Taplus have personal accident insurance cover and free insurance premiums. Many and often hold lottery BNI and BNI Taplus account we will always be included. With the savings in BNI Taplus, then we will get the facility BNI Card, Phone Banking BNI, BNI SMS Banking, Internet Banking and BNI BNI Token. 2. Product BNI - BNI Business Taplus These savings can be owned by individuals and companies with facilities that simplify business activities undertaken. Various benefits of product Taplus BNI Business, among others: Monthly administration fee. BNI Business Taplus allows us to get a higher interest rate than regular savings. Besides that, also get free life insurance to 1.5 billion. Getting BNI Gold Card as a debit card with a higher limit. Could spend up to 20 million rangeand ATM cash withdrawals up to 10M. Similarly, from the Gold Card BNI to transfer to the account of fellow BNI can be up to 100 million, while all other banks to 10 million. Complete transaction details printed in the passbook. Getting transaction facility through SMS notifications and Online ATS (Automatic Transfer System Online) We can automatically access to e-banking as BNI ATM, SMS Banking, Internet Plus, and Phone Plus from BNI. 3. Product BNI - BNI BNI Tappa and Tamma BNI Tappa is a savings product for employee plus an agency or company that has a customer BNI. While Tamma is a plus for student savings products.

4. Product BNI - BNI Hajj Hajj is a savings product to facilitate customers to realize his dream to the House. The hajj savings are not taxed and do not earn interest. In addition, it also connects directly with Siskohat, Ministry of Religious Affairs. This is related to the imposition of the departure portion to get a seat. 5. Product BNI - BNI Tapenas, Saving Children, and Tabunganku BNI Tapenas a national education savings plan that allows customers the cost of education for their children. While saving children destined for children who want to learn to save money, as well as providing services Tabunganku savings without being taxed. 6. Product BNI - BNI Giro BNI Giro is a means of financial transactions much easier than saving, because the Giro has several advantages as follows: Withdrawal can use checks or BG to facilitate payments to the partners it works. Tersedian in a choice of currencies ranging from USD, EUR, JPY, GBP, EUR, and GBP. Deposits can be made in cash or non-cash through the rupiah currency and foreign exchange. Equipped with intercity clearing that facilitate transactions with various branches across the archipelago. 7. Product BNI - BNI Dollar Is a type of savings dollar-shaped. Our savings safe in BNI in the form of dollars and are not affected fluctuation of the rupiah. With attractive interest rates and a free personal accident insurance, then BNI Dollar should be an alternative to save money. 8. Product BNI - BNI Deposit Saves money in the form of deposits has the advantage of higher interest rates than savings. It just could not be any deposits taken and must meet the specified time limit. Deposits can also be used as loan collateral, Shape Lending (Credit). 9. Product BNI - BNI Griya and BNI Griya Multipurpose Provide financing facilities for the purchase of houses, apartments, flats, home offices, villas,

and the purchase of land or real estate ripe. BNI Griya to provide financing of between 15 jt up to 5 billion. 10. Product BNI - BNI Flexion Do not immediately assume BNI has worked with flexion because the product actually is providing unsecured loans. Credit amount. Credit offered by BNI flexion ranged from 5 million to 50 million. Can be up to 100 million if the payroll through BNI. 11. Product BNI - BNI Oto Is financing the purchase of two-wheeled motor vehicles and cars for both personal as well as individuals from BNI. Between 5 million financing facility up to 5 billion. Flexible enough interest offered for a period of up to 5 years installment. 12. Product BNI - BNI Smart This allows customers to obtain financing loan fund started school education from kindergarten through graduate school. School election shall be in accordance with accreditation made by the national education and has established a minimum of 3 years. BNI Smart is only for employees with credit range between 5 million to 200 million. 13. Product BNI - BNI Instant This credit facility is for those who already have deposits, savings, or Giro of BNI. Instant BNI very appropriate when there are unexpected needs that require financing without having to take the whole fund deposits, demand deposits, and savings. 14. BNI Products - Credit Cards BNI also provides the facility of making a credit card for those in need. Regular credit card is composed of two forms, namely BNI Visa Gold and Gold Master. Also available in Blue and BNI BNI Visa Master Blue. Distinguished between BNI Master and Visa to meet all customers' needs. BNI Visa can be spent and used in outlets accept Visa as well as Master BNI that can be used and spent at outlets marked Master. In addition to regular credit cards, BNI also has products such as credit cards Platinum, Titanium Style, and Affinity credit card. BNI Simponi, which is a service for those who are planning retirement day parents. All walks of life can join this program Simponi BNI. They will get a monthly pension and a legacy for

his descendants to save a few dollars in a predetermined time period. Other services performed by the BNI as a national commercial bank: Domestic remittances (BNI Transfer) International remittances. Safe Deposit Box. BNI Multipurpose Voucher. Collection. Certificate of Bank BNI. Traveler's checks. Foreign banknotes

PROVIDING LOANS TO BUSINESS AND CUSTOMER


Credit products are available: 1.Kepemilikan Rumah BNI Griya (KPR) 2.Refinancing 3.Kredit Kepemikikan Apartment (KPA) 4.BNI flexi 5.BNI Multiguna 1.Kepemilikan Rumah BNI Griya Having a private home is the dream of all people. It's just that the necessary funds are not a little to make it happen. BNI offers an alternative home purchase through a mortgage loan BNI GRIYA is intended to finance the purchase of a home / shop either new or used (second) for owned / occupied themselves and stay home improvement (renovation). Requirements: Petitioner is a citizen with permanent status, businessman or professional. Longer working or trying to at least 2 years. Minimum age of applicants is 21 years, and the maximum age of the applicant at the time the ending credits is 55 years to 60 years for employees and employers or professional Installment (principal + interest) of the entire amount of the debt (in other banks BNI +) + new application, a maximum of 40 from Take Home Pay applicant / joint spousal income. Applicant must cover insurance (life and fire) to the banker's condition clause. Willing to sign a credit agreement and APHT. The auto-debit installment payment from the account of the concerned applicant in BNI. Fill out the application form and complete the required paperwork requirements 2.Refinancing Along with the increasing needs of life are increasingly varied, then BNI BNI offers a refinancing of the mortgage loan secured by real estate where the intended use of the funds are tailored to your needs. Requirements: Petitioner is a citizen with permanent status, businessman or professional. Longer working or trying to at least 2 years. Minimum age is 21 years old or the applicant is married, and the maximum age of the applicant at the time the ending credits for employees is 55 years and 60 years for businessman or professional. Installment (principal + interest) of the entire amount of the debt (in other banks BNI +) + new application, a maximum of 40% of Take Home Pay applicant / joint spousal income

Willing to sign a credit agreement and APHT. The auto-debit installment payment from the account of the concerned applicant in BNI. Fill out the application form and the required documents to complete the requirements. 3.Apartment Ownership Loan (KPA) BNI Apartment has a safe, comfortable and close to the location of the work place is a private hope that prioritizes time. BNI offers Apartment Ownership Loan (KPA) BNI is a loan to finance the purchase of an apartment unit. Requirements: Petitioner is a citizen with permanent status, businessman or professional. Longer working or trying to at least 2 years. Minimum age of applicants is 21 years, and the maximum age of the applicant at the time the ending credits for employees is 55 years and 60 years for businessman or professional. Installment (principal + interest) of the entire amount of the debt (in other banks BNI +) + new application, maximum 1/3 times the gross salary of the applicant / joint spousal income. Applicant must cover insurance (life and fire) to the banker's condition clause. Willing to sign a credit agreement and APHT. The auto-debit installment payment from the account of the concerned applicant in BNI. Fill out the application form and the required documents to complete the requirements. 4.BNI Flexi Ie credit facilities granted to employees who are paid through salary payment system BNI. This system is now popularly referred to as Personal Loan (KTA) to a maximum of 100 million dollars. Requirements: - Employees whose salary is paid through the payment of Bank BNI - Blocking a savings balance of installments If you know the info mortgage BNI from the BLOG expected to conduct transactions through me, not with other marketing yes. because it is a manifestation of my business .. For transactions and information can come directly to the BNI office and met with ASEP Balbo (I) or for more details, please contact me 5.BNI MULTI USE Credit facility for consumptive purposes or versatile.

Facilities: At least Rp. 250 million and a maximum of Rp. 1 Billion Advantages: Flexibility in use of funds, for example: Home Renovation Land costs School Fees Health Care Costs Purchasing electronics / furniture, or Other Consumer purposes. Flexible repayment period up to 10 (ten) years or tailored to ability. Requirements: Indonesian citizen. Fixed income, minimum term of 2 (two) years. Minimum age 21 years and at age 55 the credit is paid off, especially for retirees age 60 credits already paid off. Ensure land and building the house occupied by the borrower or SHM SHGB status or SHP and has IMB