DAN ENTITAS ANAK LAPORAN POSISI KEUANGAN KONSOLIDASIAN 31 DESEMBER 20 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain) Catatan 2014 2013 ASET Kas 2c, 2g 20.704.563 19.051.934 Giro pada Bank Indonesia 2c, 2g, 2h, 4 50.598.840 43.904.419 Giro Annual Report 2005Passion to serve, passion to performA Ri ch heRi tAge zPassion to servePassion to performBank Mandiri Profle Bank Mandiri is Indonesias largest bank in terms of assets, loans and deposits. PT BANK MANDIRI (PERSERO) Tbk. Laporan Keuangan Bank Mandiri tahun 2014.
In July 1999, four state-owned banksBank Bumi Daya, Bank Dagang Negara, Bank Exim and Bapindowere amalgamated into Bank Mandiri. Our Vision The Trusted and Preferred BankOur Mission To be market oriented To enhance professionalism To maximize returns to stakeholders To have an open management approach To demonstrate concern for the community and the environmenttaBle Of cOntents2 A Rich heritage 3 Awards 4 Financial highlights 6 Message from the President commissioner12 Message from the President Director27 Organization Structure28 Finance & Strategy46 good corporate governance53 Report from the Audit committee54 Report from the Nomination & Remuneration committee 55 Report from the gcg committee56 corporate Banking60 commercial Banking64 Small Business & Micro Banking67 consumer Banking72 treasury & international77 Product & Services81 Risk Management90 Distribution Network92 human capital96 information technology98 corporate Social Responsibility100 Shareholder information104 Management106 Branch Network125 consolidated Financial Statements with independent Auditors ReportA Ri ch heRi tAge aBank Mandiri was formed on 2 October 1998, as part of the Government of Indonesias bank restructuring program. Bank Mandiri is well capitalized, with a Capital Adequacy Ratio (CAR) of 23.7% at the end of 2005, several times the 8% minimum required by Bank Indonesia. In 2005, our funding grew by 5.8% while loan growth was 13.3%. Customer deposits of Rp199.0 trillion represent a 17.6% national share of total deposits, with our national share of savings deposits at 16.0% and our national share of time deposits at 19.1%.
In 1964 Bank Umum Negara took over the banking business of recently nationalized Chartered Bank (formerly a British Bank). BDN focused on lending to industry and the mining sector.Bank Bumi Daya (BBD) originated in 1959 with the nationalization of a Dutch company, De Nationale Handelsbank NV, operating under the name of Bank Umum Negara. The name was changed in 1949 to Escomptobank NV, and in 1960 the bank was nationalized and again renamed, to Bank Dagang Negara. It was originally known as Nederlandsch Indische Escompto Maatschappij when it was founded in Batavia in 1857.
The Government of Indonesia nationalized this company in 1960, and in 1965 it was merged into Bank Negara Indonesia as BNI Unit II. Nederlansche Handels Maatschappij which was established in 1824 and expanded into the banking sector in 1870. BNI Unit IV was spun off from BNI as Bank Bumi Daya in 1968.Bank Ekspor Impor Indonesias (BankExim) roots can be traced back to the Dutch trading company N.V.
After an initial investment to immediately consolidate our systems around the strongest inherited platform, we undertook a three-year, US$200 million, program to replace our core banking platform with one specifcally geared toward consumer banking. We inherited a total of nine different core banking systems from our four legacy banks. Our single brand was rolled out throughout our network and across all of our advertising and promotional activities.One of Bank Mandiris most signifcant achievements has been the complete replacement of our technology platform.
Receive payment of bill over securities and calculating terms with third party. Place fund, borrow fund, or lend fund to other banks, whether by using papers, means of telecommunication or demand draft. This laid the foundation for the next phase of our transformation in becoming a regional champion bank.Transfer money both for the bank’s interests or customer’s interests.
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