TUGAS INDIVIDU BAHASA INGGRIS

DOSEN PENGAMPU :

Effeiliena Nur’aini Fisikaningputri P. S.E., Akt., M.M., M.Fin.An

NAMA: HANIFAH PUTRI TANTY

KELAS: G

NIM: 40011423650397

PROGRAM STUDI AKUNTANSI PERPAJAKAN

SEKOLAH VOKASI

UNIVERSITAS DIPONEGORO 2023/2024

a. Present Continuous Tense

b. Present Perfect Continuous Tense

● The inflation has been occurring since 2022,

c. Simple Present Tense

● · BNI also supports the development of the MSME sector through distribution of
People’s Business Credit (KUR) and other programs.
● · BNI is aware of the importance of Information Technology (IT) and continues to
improve IT capabilities to support digitalization as previously mentioned.
● · BNI also continues to evaluate and improve the operating model so that the
operating model can run in a more agile and flexible manner to support business
processes and digitalization.
● · BNI also faces a challenge related to increasingly tight banking liquidity.
● · BNI also seeks to continue increasing selective business expansion and constantly
providing financial solutions through the expansion of corporate segment loans
focusing on the Top Tier priority sectors, as well as initiating green financing to
support sustainable finance implementation initiatives.

d. Present Perfect Tense

● · BNI has developed strategic initiatives in 5 (five) business pillars, namely Corporate
Banking, Institutional Banking, International Banking, Commercial & SME Banking,
and Consumer Banking, which are supported through the development of 7 (seven)
enablers as business foundations, namely Digital, IT, Operations, Network &
Services, Risk Management, Finance, and Human Capital.
● · BNI has developed a strategic direction up to 2025 as “A Provider of Integrated
Digital-Based Financial Solution with International Excellence”.
● · BNI has improved assets quality through risk management optimization and
disciplined loan process.
● · BNI has also developed banking solutions through business ecosystems, such as the
establishment of the BNI Xpora ecosystem.
● · One of the initiatives that have been implemented is the Employee Stock Allocation
(ESA)

2. Summarize the Article

The Indonesian government has been working to accelerate recovery from the COVID-19
pandemic, leading to a 5.2% growth in the 2022 economy. This growth is attributed to
relaxation in social and business activities. However, global inflation increased to 5.5% in
2022, impacting Indonesia. Bank Indonesia's interest rate policy played a crucial role in
controlling inflation, despite its high benchmark rate. This has positively impacted the
banking industry's performance in terms of capital, liquidity, and financial intermediation.

BNI has shifted its International Banking directorate to Corporate Banking, focusing on
becoming a global bank. The bank has developed a strategic direction to 2025, focusing on
integrated digital-based financial solutions. BNI has implemented initiatives in five business
pillars, including Corporate Banking, Institutional Banking, International Banking,
Commercial & SME Banking, and Consumer Banking, supported by seven enablers. The
Enhancing the Basics phase aims to encourage sustainable growth.

BNI is enhancing asset quality through risk management optimization and a disciplined loan
process. They are transforming the end-to-end loan process to improve loan quality and risk
culture, while focusing on priority sectors. They are also improving Loan at Risk (LaR) by
optimizing loan restructuring and enhancing market development capabilities. BNI is also
increasing selective business expansion and providing financial solutions through corporate
segment loans and green financing. In 2022, BNI issued Green Bonds in Rupiah, with
proceeds used to finance projects in environmentally sound business activities. BNI is also
working on the Micro, Small and Medium Enterprises (MSMEs) segment, which plays a
crucial role in Indonesia's economic growth. BNI is also accelerating global market
expansion through accelerating international business strategies, developing global banking
transaction solution capabilities, and strengthening its overseas branch office (KCLN). BNI's
business development is accelerated through synergy with its subsidiaries, aiming to make
each subsidiary a market leader in each industry.

BNI is focusing on capital management, digitization, and business process support in 2022.
They aim to strengthen their capital through corporate actions and optimize capital
distribution in competitive businesses. They are also enhancing digital capabilities through
innovation in internal processes and API management. Digitalization includes data quality,
analytics, digital marketing, block chains, digital risk mitigation, and digital tools for risk
management and sales. BNI is also strengthening Human Capital (HC) and operations,
optimizing talent management and workforce planning. They are also improving IT
capabilities and evaluating their operating model to support digitalization. Organizational
design is also a key consideration.

The BNI Corporate Transformation Program aims to address challenges and changes in the
banking industry, accelerate financial performance improvement, and achieve strategic
direction in 2025 through the development of strategic initiatives. The program is
implemented at all levels of the organization, including Head Office, Regional Office, and
Branch Office. The five business focuses include strengthening BNI as the parent entity,
improving loan quality through prudent loan process discipline, shifting business focus to
become a provider of banking solutions and ecosystem development, and managing export-
oriented business.

In 2022, BNI acquired Bank Mayora, a digital bank, to enhance service penetration in the
MSME segment and provide faster financial service features. BNI Ventures, a subsidiary,
supports technological innovation and accelerates BNI's digital transformation. BNI also
strengthened its holding company by adding Rp500,000,000,000 to PT Bank Syariah
Indonesia Tbk (BSI), aiming to become a Top 10 Global Islamic Bank.
3. Reflection

A. The challanges and benegits of using present tense in a professional context?

Understanding tenses can have a significant impact on accounting work, especially in the
context of financial reporting and data analysis.. In financial reporting, the appropriate use of
tenses, will greatly affect the results of the report, especially in terms of reliability and
transparency of the report.. while in data analysis, the use of tenses helps accurately identify
trends, patterns and changes over time.. In short, a comprehensive understanding of time is
essential to ensure the accuracy, transparency and clarity of financial information, which is
important in the accounting field. This affects various aspects of financial statement data
analysis and other accounting and finance related benefits.
 B. How might an understanding of tenses influence your future work in
accounting?

Using the present tense in a professional context can present a number of challenges and
benefits, one of which is the possibility of errors. Using the present tense can sometimes
simplify complex situations or concepts, leading to a loss of precision in delivery. certain
details or meanings. In addition to presenting challenges, using the present tense also has
advantages, one of which is the direct interaction between writer and reader so that the
reader can provide current and relevant information, especially conveying current
developments.. In short, the correct use of the present tense in a professional context can help
effectively communicate ongoing activities, current trends, general principles, and immediate
impacts.. However, it is imperative to balance this with the need for accuracy, context, clarity
and precision to convey a comprehensive understanding of past, present and future events or
actions hybrid.