budget

out put financing report

1.Laporan Laba Rugi = Profit & Loss

  = Income Statement

2.Neraca = Balance Sheet

3.Laporan Arus Kas = Cash Flow Report

4.Lain-lain:

–Rasio

–Capex Breakdown

–Profitability analysis

Valuation, dll
interest Income
plus  amunt finance, kandung rate , tenor
minus : aging, repo, wo ,report
cost of fand : rate cof x (anr + avarage cash & bank)
fe based : income asuransi dan administrasi
others income : penalty , denda . jasa giro, jasa deposito
ACQUISITION COST
Amortisasi
tac 1 : refund dealer : insentive dealer & subsidi customer
tac 2 :Bascom Dealer Retention : tout dealer & point reward
tac 3 : Insentive aquiciicent (front liner )
DIRECT EXPENCE
iklan, bingkisan lebaran, enterntain dealer, karangan bunga dll
OPEX Cabang : man power, fasilitas , it, listrik atm , other ga
COST ALOCATION : NOA , Unit booking, 
Opex Nasional : barnach , opex center , BDI
Opex Branch : variable 60 % ,fixed 40 %
COC : lor,wo , recovery ,adp
delta ppap (Penyelsihian Penghapusan AKtiva Produktif )
curent                : 1 %
0 - 90 %           : 15 %
91 -120 %        : 50 %
121% -180%    : 75 %
180 % >            : 100 %