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Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.322
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Annual Report 2015 | PT. BANK SINARMAS Tbk. 323
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Tata Kelola PerusahaanGood Corporate Governance
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.324
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Bank Sinarmas berkomitmen untuk senantiasa memberikan nilai tambah bagi para pemangku
kepentingan. Salah satu kunci utama yang mendukung komitmen tersebut adalah
penerapan prinsip tata kelola perusahaan yang baik secara konsisten dan konsekuen serta menjadikannya sebagai budaya kerja yang
berlaku di dalam Perusahaan.
Bank Sinarmas is committed to
continuously providing added value to all
Stakeholders. one of the keys to supporting
this commitment is by consistently and
responsible implementing good corporate
governance principles and developing it as a
working culture in the Company.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.324
Annual Report 2015 | PT. BANK SINARMAS Tbk. 325
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Tata Kelola Perusahaan
Good Corporate Governance
DASAR PENERAPAN TATA KELOLA PERUSAHAANPemahaman atas pentingnya penerapan prinsip-prinsip
tata kelola perusahaan yang baik atau Good Corporate
Governance (gCg) mendasari Bank Sinarmas untuk
melaksanakan praktik gCg terbaik guna mencapai tujuan
bisnis jangka panjang yang berkesinambungan. Bank Sinarmas
berkomitmen untuk menjadikan prinsip-prinsip gCg sebagai
acuan di seluruh tingkatan dan jenjang organisasi. Bank
Sinarmas juga menyadari bahwa terlaksananya prinsip-prinsip
gCg secara konsisten akan memperkuat posisi daya saing,
meningkatkan kinerja serta meningkatkan kepercayaan para
pemegang saham dan Stakeholders lainnya.
Dasar implementasi gCg Bank Sinarmas berpedoman pada
ketentuan-ketentuan sebagai berikut:
1. Undang-Undang Republik Indonesia
• Undang-undangRepublikIndonesiaNo.10Tahun
1998 tentang perubahan atas Undang-undang No. 7
tahun 1992 tentang Perbankan
• Undang-undangRepublikIndonesiaNo.40Tahun
2007 tentang Perseroan Terbatas
2. Peraturan Bank Indonesia
• PeraturanBankIndonesiaNo.8/4/PBI/2006tanggal30
Januari 2006 Tentang Pelaksanaan good Corporate
governance bagi Bank Umum jo. Peraturan Bank
Indonesia No.8/14/PBI/2006 Tanggal 05 Oktober 2006
Tentang Pelaksanaan Good Corporate Governance
Bagi Bank Umum
• PeraturanbankIndonesiaNo.11/33/PBI/2009Tanggal
7 Desember 2009 Tentang Pelaksanaan Good
Corporate Governance bagi Bank Umum Syariah dan
Unit Usaha Syariah
• SuratEdaranBankIndonesiaNo.15/15/DPNPTanggal
29 April 2013 perihal Pelaksanaan Good Corporate
Governance bagi Bank Umum
• SuratEdaranBankIndonesiaNo.12/13/DPbSTanggal
30 April 2010 perihal Pelaksanaan Good Corporate
Governance bagi Bank Umum Syariah dan Unit Usaha
Syariah
BASIS OF cORPORATE gOVERNANcE IMPLEMENTATIONBank Sinarmas’ implementation of gCg best practices to
achieve a sustainable and long-term business goals is rooted
from the Bank’s understanding on the importance of good
corporate governance (gCg) principles. Bank Sinarmas is
committed to enforcing gCg principles as a benchmark in all
levels of the organization. Bank Sinarmas also realizes that
consistent implementation of gCg principles will enhance the
Company’s competitive edge, increase its performance, as well
as trusts from the shareholders and Stakeholders.
The basis of gCg implementation at Bank Sinarmas is in line
with the following regulations:
1. Laws of the Republic of Indonesia
• LawoftheRepublicofIndonesiaNo.10Year1998on
amendment to Law No.7 year 1992 on Banking.
• LawoftheRepublicofIndonesiaNo.40Year2007on
Limited Liability Company.
2. Bank Indonesia Regulation
• BankIndonesiaRegulationNo.8/4/PBI/2006dated
January 30, 2006 on good Corporate governance
By Commercial Banks as amended by Bank Indonesia
Regulation No.8/14/PBI/2006 dated October 05, 2006
on Implementation of good Corporate governance for
Commercial Banks
• BankIndonesiaRegulationNo.11/33/PBI/2009dated
December 7, 2009 on The Implementation of good
Corporate governance by Islamic Commercial Banks
and Islamic Business Units
• BankIndonesiaCircularLetterNo.15/15/DPNPdated
April 29, 2013 concerning The Implementation of
good Corporate governance for Commercial Banks
• BankIndonesiaCircularLetterNo.12/13/DPbSdated
April 30, 2010 concerning The Implementation of
good Corporate governance for Islamic Commercial
Banks and Islamic Business Units
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.326
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
3. Peraturan Otoritas Jasa Keuangan
• PeraturanOtoritasJasaKeuanganNo.18/POJK.03/2014
Tanggal 18 November 2014 Tentang Penerapan Tata
Kelola Terintegrasi bagi Konglomerasi Keuangan
• PeraturanOtoritasJasaKeuanganNo.21/POJK.04/2015
Tanggal 16 November 2015 Tentang Penerapan
Pedoman Tata Kelola Perusahaan terbuka
4. Pedoman gCg Komite Nasional Kebijakan Governance
• PedomanGCGIndonesiayangdikembangkanoleh
Komite Nasional Kebijakan Governance
• PedomanGCGPerbankanIndonesiayang
dikembangkan oleh Komite Nasional Kebijakan
Governance
Bank Sinarmas telah melaksanakan sistem tata kelola
perusahaan yang baik sehingga Manajemen dapat
mempertanggungjawabkan akuntabilitas keuangan,
transparansi dan perilaku yang sesuai dengan kode etik
kepada para pemangku kepentingan melalui penentuan
strategi bisnis dan keputusan-keputusan penting yang
diawasinya. Organ tertinggi tata kelola perusahaan adalah
RUPS, yang dapat menunjuk Dewan Komisaris untuk
memantau pelaksanaan tugas Direksi dalam mengawasi
pengelolaan perusahaan.
PRINSIP-PRINSIP TATA KELOLASebagai lembaga intermediasi dan lembaga kepercayaan,
dalam melaksanakan kegiatan usaha Bank Sinarmas
menganut prinsip keterbukaan (transparency); memiliki
indikator kinerja berdasarkan ukuran-ukuran yang konsisten
dengan corporate values; sasaran usaha dan strategi sebagai
pencerminan akuntabilitas Bank Sinarmas (accountability);
berpegang pada prudential banking practices dan menjamin
dilaksanakannya ketentuan yang berlaku sebagai wujud
tanggung jawab Bank Sinarmas (responsibility); objektif dan
bebas dari tekanan pihak manapun dalam pengambilan
keputusan (independency); serta senantiasa memperhatikan
kepentingan seluruh Stakeholders berdasarkan asas
kesetaraan dan kewajaran (fairness).
3. Financial Services Authority Regulation
• FinancialServiceAuthorityRegulationNo.18/
POJK.03/2014 dated November 18, 2014 on The
Implementation of Integrated governance for Financial
Conglomerate
• FinancialServicesAuthorityRegulationNo.21/
POJK.04/2015 dated November 16, 2015 on The
Implementation of Public Corporate governance
4. gCg guideline from National Committee on governance
Policy
• IndonesiaGCGGuidelinedevelopedbyNational
Committee on governance Policy
• GCGGuidelineforIndonesianBankingdevelopedby
National Committee on governance Policy
Bank Sinarmas has conducted good corporate governance
system that enables the Management to hold responsible
to its financial accountability, transparency, and attitude
that reflects code of conduct toward the Stakeholders
through their determination on business strategies and
strategic decisions that they will monitor. The highest organ
of corporate governance is gMS, which has the power to
appoint Board of Commissioners to monitor the Board of
Directors’ duty implementation on company management.
cORPORATE gOVERNANcE PRINcIPLESAs an intermediary and trusted institution, and in running its
business activities, Bank Sinarmas adheres to the transparency
principles; has performance indicators in place that are
based on parameters which are in line with the Bank’s
corporate values; has business targets and strategies as a
form of accountability of Bank Sinarmas; upholds prudential
banking practices and ensures the Bank’s enforcement of the
applicable regulations as part of its responsibility; strives to
be objective and free from the pressure from any parties in
making decision (independency); and continues to take into
account the interest of all Stakeholders based on fairness
principle.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 327
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Prinsip GCG
Pinciple GCG
KeTeRBuKAANTRAnSPARenCy
AKuNTABILITASACCounTABiLiTy
PeRTANgguNg-JAwABAN
ReSPonSiBiLiTy
KewAJARANfAiRneSS
INDePeNDeNSIinDePenDenCy
Prinsip-prinsip gCg menjadi perangkat standar yang bertujuan
untuk memperbaiki citra, efisiensi, efektivitas, dan tanggung
jawab sosial Bank Sinarmas. Secara umum, prinsip-prinsip
gCg yang diterapkan oleh Bank Sinarmas tercermin dalam
aspek-aspek berikut:
• Keterbukaan
Bank Sinarmas berkomitmen untuk memberikan informasi
secara jelas, terbuka, dan akurat demi kepentingan
pemegang saham dan Stakeholders. Proses keterbukaan
tersebut tetap memperhatikan ketentuan terkait rahasia
Bank, rahasia jabatan, dan hak-hak pribadi sesuai dengan
peraturan yang berlaku. Prinsip ini diterapkan oleh Bank
Sinarmas dengan menyediakan informasi secara tepat
waktu, memadai, jelas, akurat dan dapat diperbandingkan
serta mudah diakses oleh Stakeholders sesuai dengan
haknya. Selain itu, informasi yang diberikan meliputi
namun tidak terbatas pada hal-hal yang bertalian dengan
visi, misi, sasaran usaha dan strategi perusahaan, kondisi
keuangan, susunan dan kompensasi pengurus, pemegang
saham pengendali, cross shareholding, pejabat eksekutif,
gCg principles are a basic standard to improve image,
efficiency, effectiveness, and social responsibility of Bank
Sinarmas. generally, gCg pirnciples implemented by Bank
Sinarmas are reflected on the following aspects:
• Transparency
Bank Sinarmas is committed to providing information
clearly, transparently, and accurately for its Stakeholders
and shareholders. The Bank’s transparency practices
maintain confidentiality aspects, such as the bank’s
confidential information, confidential position, and
personal rights, according to the existing rules. This
principle is carried out by Bank Sinarmas by providing
information in a timely, proper, clear, accurate, and
comparable manner, which is also accessible to the
Stakeholders, for the sake of fulfilling their rights. In
addition, the given information includes but not limited to
matters relating with the vision, mission, business targets
and corporate strategies, financial condition, composition
and compensation of the boards, the controlling
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.328
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
pengelolaan risiko (risk management), sistem pengawasan
dan pengendalian intern, status kepatuhan, sistem dan
pelaksanaan gCg serta kejadian penting yang dapat
mempengaruhi kondisi Bank.
• Akuntabilitas
Dengan menerapkan prinsip akuntabilitas maka fungsi,
tugas, wewenang dan pertanggungjawaban di setiap
masing-masing organ Bank akan semakin jelas. Bank
Sinarmas menerapkan prinsip ini dengan memastikan
terdapatnya check and balance system dalam pengelolaan
Bank serta memiliki ukuran kinerja berdasarkan ukuran-
ukuran yang disepakati konsisten dengan nilai perusahaan
(corporate values).
• Pertanggungjawaban
Perusahaan mematuhi peraturan perundang-undangan
serta melaksanakan tanggung jawab terhadap
masyarakat dan lingkungan sehingga dapat memelihara
kesinambungan usaha dalam jangka panjang dan
mendapat pengakuan sebagai good corporate citizen.
Bank Sinarmas juga menerapkan prinsip ini dengan
berpegang pada prinsip kehati-hatian (prudential banking
practices) dan menjamin dilaksanakannya ketentuan yang
berlaku.
• Independensi
Untuk melancarkan pelaksanaan asas gCg, Perusahaan
dikelola secara independen sehingga masing-masing
organ perusahaan selalu berusaha untuk objektif dalam
setiap pengambilan keputusan serta mengedepankan
profesionalisme, kemandirian, dan objektivitas agar
tidak saling mendominasi dan tidak dapat diintervensi
oleh pihak lain. Bank Sinarmas senantiasa menghindari
terjadinya dominasi yang tidak wajar oleh Stakeholders
manapun dan tidak terpengaruh oleh kepentingan
sepihak serta bebas dari benturan kepentingan (conflict of
interest).
• Kesetaraan
Dalam melaksanakan kegiatan usaha, Perusahaan
senantiasa memperhatikan kepentingan pemegang saham
dan pemangku kepentingan lainnya berdasarkan asas
kewajaran dan kesetaraan. Bank Sinarmas memberikan
kesempatan kepada seluruh Stakeholders untuk
memberikan masukan dan menyampaikan pendapat
bagi kepentingan Bank serta mempunyai akses terhadap
informasi sesuai dengan prinsip keterbukaan.
shareholders, cross shareholding, executive officials, risk
management, supervisory and internal control system,
compliance status, gCg system and implementation, and
significant events that may affect the Bank’s condition.
• Accountability
By implementing accountability principle, the functions,
duties and responsibilities of each organ of the Bank
will be a lot clearer. Bank Sinarmas applies this principle
by ensuring that the check and balance system is in
place in the Bank’s management, and that the Bank has
performance indicators that are based on the agreed
parameters which are in line with the corporate values.
• Responsibility
The Company complies with the prevailing rules and
regulations and conducts its responsibilities to the
community and environment, so that it can maintain
its business continuity for the long term and obtain
acknowledgement as a good corporate citizen. Bank
Sinarmas also implements this principle by taking into
account prudential banking principles while ensuring its
compliance with the prevailing regulations.
• Independency
In order to improve the implementation of gCg principles,
the Company is managed independently; thus each organ
of the Company strives to be objective in making any
decisions, upholds professionalism, independency and
objectivity in order not to dominate each other and be
intervened by another party. Bank Sinarmas continues to
prevent the occurrence of unfair domination from any
Stakeholders, strive to not to be influenced by one-sided
interest, and free from conflict of interest.
• Fairness
In conducting business activities, the Company
continuously prioritizes the interest of shareholders
and other Stakeholders based on fairness and equality
principles. Bank Sinarmas provides the opportunity to all
Stakeholders to give their input and opinion for the Bank’s
interest and to have access to information, as suggested
by the transparency principle.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 329
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
IMPLEMENTASI TATA KELOLABank Sinarmas selalu berusaha menerapkan prinsip-prinsip
gCg di setiap aspek bisnis dan semua lini Perseroan.
Penerapan prinsip ini dilakukan untuk menciptakan tata kelola
yang efektif, efisien dan berkesinambungan.
Prinsip / Principles Implementasi / Implementation
Transparansi / Transparency Principle
• Menyampaikanpengumumanlaporankeuanganpublikasitriwulandantahunanmelaluisuratkabar harian berbahasa Indonesia paling sedikit 1 (satu) surat kabar yang beredar secara nasional / Announcing the publication of quarterly and annual financial statements through Indonesian daily newspaper, in at least 1 (one) newspaper with national circulation.
• MenyampaikanlaporantahunanBankkepadaRegulator,YayasanLembagaKonsumenIndonesia,Lembaga Pemeringkat di Indonesia, Asosiasi Perbankan di Indonesia, Lembaga Pengembangan Perbankan Indonesia, 2 (dua) Lembaga Penelitian Ekonomi dan Keuangan, dan 2 (dua) Majalah Ekonomi dan Keuangan / Submitting the Bank’s annual report to Regulator, Indonesian Consumers Foundation, Indonesia Rating Agencies, Indonesian Banking Association, Indonesia Banking Development Institute, 2 (two) Research Institutes on Economy and Finance, and 2 (two) Economic and Finance Magazines.
Akuntabilitas /Accountability
• Menetapkantanggungjawabyangjelasdarimasing-masingorganBankyangselarasdenganvisi,misi, sasaran usaha, dan strategi Bank Sinarmas / Specifying clear responsibility for each organ of the Bank in accordance with the vision, mission, business targets and strategies of Bank Sinarmas.
• Menerapkancheck and balance system / Implementing check and balance system.• Memilikiukurankinerjadarisemuajajaranberdasarkanukuranyangdisepakati,konsistendengan
nilai-nilai perusahaan (corporate values), sasaran usaha, dan strategi Bank, serta memiliki sistem reward dan punishment / Having performance indicators of all levels of the organization that are based on the agreed benchmark which is in line with the corporate values, business targets, and strategies of the Bank, and having reward and punishment system in place.
• MeyakinibahwasemuaorganpadastrukturorganisasiBankmempunyaikompetensiyangsesuaidengan tanggung jawab dan memahami perannya dalam implementasi gCg / Having faith that all organs in the organizational structure of the Bank have the competency that meets their responsibility and understand their contribution in the implementation of gCg.
Tanggung jawab / Responsibility
• Berpegangpadaprinsipkehati-hatian(prudential banking practices) dan menjamin kepatuhan terhadap peraturan yang berlaku / Upholding prudential banking practices and ensuring compliance with the applicalbe regulations.
• Peduliterhadaplingkungandantidakmelupakantanggungjawabsosialnyaterhadapmasyarakat/ Caring about the environment and not putting aside its responsibility to the community.
Kewajaran /Fairness
Senantiasa memenuhi segala hak-hak seluruh pemegang saham maupun Stakeholders lainnya secara wajar dan setara, sehingga tidak terjadi dominasi yang tidak wajar dari pihak manapun. Bank Sinarmas juga memberikan kesempatan kepada seluruh Stakeholders untuk menyampaikan pendapat dan masukan untuk kepentingan Perseroan / Continuously fulfilling all rights of the shareholders and Stakeholders in a fair and equal manner to avoid unfair domination from any other party. Bank Sinarmas also provides the opportunity to all Stakeholders to give their opinion and feedback for the Company’s advantage.
Independensi /Independency
• SenantiasamenghindariterjadinyadominasiyangtidakwajarolehStakeholders manapun / Continuously avoiding unfair domination from any Stakeholders.
• Berusahauntuktidakterpengaruholehkepentingansepihak/Doing the best effort as possible to not to be influenced by a one-sided interest.
• Membebaskandiridaribenturankepentingan(conflict of interest) / Freeing itself from any conflict of interest.
• Berusahamengambilkeputusansecaraobjektifdanbebasdarisegalatekanan/Trying to always make objective decision and free from any pressures.
Manfaat besar dari implementasi gCg di lingkungan kerja
Bank Sinarmas sangat terasa. Dampak positif dari pelaksanaan
gCg dijabarkan menjadi 3 (tiga) garis besar, meliputi:
cORPORATE gOVERNANcE IMPLEMENTATIONBank Sinarmas continuously attempts to apply gCg principles
in every aspect of business and in all lines of the Company.
The implementation of this principle aims to create an
The implementation of gCg at work environment of Bank
Sinarmas has a huge impact on the Company. Positive impacts
from the implementation of gCg are categorized into 3
(three) aspects, namely:
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.330
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
• People-menghasilkan SDM yang memiliki kompetensi
dan mampu mengadaptasi nilai-nilai gCg serta menjalin
interaksi yang harmonis dengan nasabah dan pemangku
kepentingan lainnya.
• Planet- berkontribusi nyata terhadap lingkungan dan
pemberdayaan masyarakat.
• Profit-mengoptimalkan peraihan laba dan mencapai
pertumbuhan yang tinggi.
Perseroan juga melaksanakan sosialisasi dan internalisasi
gCg kepada seluruh jajaran manajemen dan pegawai untuk
memastikan ketaatan terhadap praktik gCg. Perseroan
yakin bahwa penerapan gCg dilakukan tidak hanya sekedar
mematuhi ketentuan yang berlaku, melainkan juga harus
ditunjukkan dalam praktik keseharian. Dengan melaksanakan
gCg, Perseroan optimis dapat terus menjaga kepercayaan
yang diberikan oleh seluruh pemangku kepentingan.
Perseroan juga bertekad untuk menuju Good Corporate
Citizen pada masa mendatang.
TAHAPAN IMPLEMENTASI TATA KELOLA Tahapan implementasi Tata kelola Bank Sinarmas yaitu (1)
Komitmen Tata Kelola Perusahaan, (2) Struktur Tata Kelola
Perusahaan, (3) Mekanisme Tata Kelola Perusahaan, (4)
Sosialisasi dan Evaluasi, dan (5) Implementasi Tata Kelola
Perusahaan.
01
02
03 05
04
TAHAPAN IMPLEMENTASI TATA KELOLA PERUSAHAAN / PHASE
OF cORPORATE gOVERNANcE IMPLEMENTATION
1. Komitmen Tata Kelola Perusahaan / corporate governance commitment
Visi - Misi dan Strategi Bank Sinarmas / Vision -Mission and Strategy of Bank Sinarmas
2. Struktur Tata Kelola Perusahaan / corporate governance Structure
Pemenuhan struktur dan infrastruktur sehingga selaras dengan Prinsip-prinsip gCg / The fulfillment of structure and infrastructure, thus in line with gCg Principles
3. Mekanisme Tata Kelola Perusahaan / corporate governance Mechanism
Memastikan efektivitas proses implementasi gCg / Ensuring the effectiveness of process of gCg implementation
4. Sosialisasi dan Evaluasi / Dissemination and Evaluation
Pendukung dalam penerapan prinsip-prinsip gCg / Supporter in implementation of gCg principles
5. Implementasi Tata Kelola Perusahaan / corporate governance Implementation
Impementasi prinsip-prinsip gCg oleh seluruh jajaran Bank Sinarmas / Implementation of gCg principles by all ranks in Bank Sinarmas
• People-creatingcompetenthumanresourcesthat
are able to adopt gCg values and build harmonious
interaction wiht the customers and the other Stakeholders.
• Planet-givingrealcontributiontotheenvironmentand
community empowerment.
• Profit-optimizingrevenuesandreachinghighgrowth.
The Company also internalizes and socializes gCg to all its
management and employees to ensure their compliance
with gCg practices. The Company believes that gCg must
be implemented not only to comply with the applicable
regulation. It must be internailzed in the Bank’s daily practices.
With the implementation of gCg, the Company is optimistic
that it can always maintain the trust of all Stakeholders. The
Company is determined to become good corporate citizen in
the future.
PHASE OF gOVERNANcE IMPLEMENTATIONPhase of implementation of Bank Sinarmas governance,
namely (1) Corporate governance Commitment, (2) Corporate
governance Structure, (3) Corporate governance Mechanism,
(4) Dissemination and Evaluation, and (5) Corporate
governance Implementation.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 331
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Tahapan implementasi Tata Kelola Bank Sinarmas
dilaksanakan dengan berlandaskan prinsip-prinsip gCg, yaitu:
Komitmen Tata Kelola
Perusahaan
- Visi - Misi dan Strategi Bank Sinarmas
- Anggaran Dasar Bank- Nilai-nilai Perusahaan- Pedoman Tata Kelola
Terintegrasi
Struktur Tata Kelola
Perusahaan
- Pemenuhan jumlah dan komposisi, Dewan Komisaris, Direksi, serta Komite-komite di bawah Dewan Komisaris dan Direksi
- Penguatan Risk Management, Compliance, Fungsi Kepatuhan dan Audit Internal Control
- Penyempurnaan struktur organisasi Bank Sinarmas agar terlaksananya check & balance
Mekanisme Tata Kelola
Perusahaan
- Menuangkan prinsip-prinsip gCg dalam kebijakan, pedoman & peraturan kerja dan SOP
- Efektifitas costumer care- Transparansi produk- Sistem Anti Fraud- Sistem Whistle Blowing
Sosialisasi dan Evaluasi
- Sosialisasi nilai-nilai perusahaan
- Program Corporate Culture Campaign (visi & misi perusahaan, etos kerja, objektif perusahaan, tagline Bank Sinarmas “we always care”)
- Pelaporan pelaksanaan gCg
- Sosialisasi Compliance Culture
- Deklarasi Anti Fraud- Self Assessment
pelaksanaan gCg
Implementasi Tata Kelola
Perusahaan
- Implementasi prinsip gCg pada setiap aspek kegiatan operasional Bank
- Rapat Umum Pemegang Saham (RUPS)
- Rapat Dewan Komisaris- Rapat Direksi- Rapat gabungan Dewan
Komisaris dan Direksi.- Service Excellent- Public Expose
PENILAIAN TATA KELOLA Prosedur Pelaksanaan Assessment
Penerapan gCg Bank Sinarmas senantiasa dipantau dan dikaji
efektivitasnya. Sebagai bagian dari proses penerapan gCg
yang berkelanjutan, Perseroan melaksanakan assessment
penerapan gCg dari tahun ke tahun. Assessment tersebut
dilakukan dalam rangka memperoleh gambaran mengenai
kondisi penerapan gCg terhadap praktik terbaik di
lingkungan Perseroan serta mengidentifikasi bidang-bidang
yang memerlukan perbaikan lebih lanjut.
Sebagai bentuk upaya peningkatan dan perbaikan kualitas
dalam melaksanakan gCg, Bank Sinarmas secara berkala
melakukan self assessment secara komprehensif. Di samping
bertujuan untuk memantau dan mengevaluasi pelaksanaan
gCg yang sudah berjalan, penilaian ini juga berfungsi sebagai
upaya pengembangan dan perbaikan tata kelola perusahaan
yang berkelanjutan, termasuk di dalamnya pengambilan
tindak korektif (corrective action) apabila diperlukan guna
mendapatkan hasil yang lebih sempurna.
Indikator dan Kriteria Penilaian gcg
Indikator dan kriteria penilaian gCg didasarkan pada 11
(sebelas) aspek yang membangun penguatan gCg antara lain:
1. Pelaksanaan Tugas dan Tanggung Jawab Dewan
Komisaris;
2. Pelaksanaan Tugas dan Tanggung Jawab Direksi;
Phase of implementation of Banks Sinarmas governance is
implemented based on gCg principles, namely:
cORPORATE gOVERNANcE ASSESSMENTProcedure of Assessment Implementation
The effectiveness of Bank Sinarmas’ gCg implementation
is continuously monitored and reviewed. As part of
its sustainable process, the Company conducts gCg
implementation assessment every year. The assessment aims
to know the progress of the implementation of gCg best
practices at the Company and to identify areas that need
further improvement.
As part of quality improvement programs for gCg
implementation, Bank Sinarmas periodically carries out a
comprehensive self-assessment. In addition to monitoring
and evaluating the current implementation of gCg, this
assessment also functions as and effort to sustainably develop
and improve corporate governance, including taking corrective
action, if necessary, to obtain a much better result.
Indicators and criteria of gcg Assessment
Indicators and critera of gCg assessment are based on 11 (eleven)
aspects that contribute to the development of gCg, namely:
1. The implementation of duties and responsibilities of Board
of Commissioners;
2. The implementation of duties and responsibilities of Board
of Directors;
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.332
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
3. Kelengkapan dan Pelaksanaan Tugas Komite;
4. Penanganan Benturan Kepentingan;
5. Penerapan Fungsi Kepatuhan Bank;
6. Penerapan Fungsi Audit Internal;
7. Penerapan Fungsi Audit Eksternal;
8. Penerapan Fungsi Manajemen Risiko termasuk Sistem
Pengendalian Internal;
9. Penyediaan Dana Kepada Pihak Terkait (Related Party) dan
Penyediaan Dana Besar (Large Exposures);
10. Transparansi Kondisi Keuangan dan Non-Keuangan Bank,
Laporan Pelaksanaan gCg dan Pelaporan Internal;
11. Rencana Strategis Bank.
Kesimpulan Umum Hasil Self Assessment Pelaksanaan
ggc
Tabel self assessment 2015
Hasil Penilaian Sendiri Pelaksanaan gcg / Results of Self-Assessment of gCg Implementation
Peringkat / Rating Definisi Peringkat / Rating Definition
Individual 2
Secara umum, mencerminkan Manajemen Bank telah melakukan penerapan gCg yang baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip-prinsip gCg. Apabila terdapat kelemahan dalam penerapan prinsip gCg, maka secara umum kelemahan tersebut kurang signifikan dan dapat diselesaikan dengan tindakan normal oleh manajemen Bank / In general, The Bank’s management has implemented corporate governance well. This is shown by its proper fulfillment of gCg principles. If there is found some weaknesses in the implementation of gCg principles, such weaknesses are generally immaterial, and the Bank’s management will improve it by taking common corrective action.
PENgHARgAAN gcg BANK SINARMASPenghargaan terkait penerapan gCg Bank Sinarmas sebagai
berikut:
Peringkat I “good corporate
governance“ Buku II Aset Rp10
triliun hingga Rp25 triliun.
1st rank “good corporate
governance” Buku II Assets of
Rp10 trillion to Rp25 trillion.
Acara : Anugerah Perbankan Indonesia IV 2015
Penyelenggara : Economic Review
Tanggal : 5 November 2015
3. Completeness and task implementation of committees;
4. Confict of interest management;
5. The implementation of the Bank’s compliance function;
6. The implementation of Internal Audit function;
7. The implementation of External Audit function;
8. The implementation of Risk Management and Internal
Control System function;
9. Fund Provision to Related Party and Major Debtors (Large
Exposures);
10. The Transparency of Financial and Non Financial
Condition of the Bank, gCg Implementation Report and
Internal Report;
11. The Bank’s strategic plan.
Overall conclusion of gcg Self-Assessment
Table of self-assessment in 2015
BANK SINARMAS gcg AwARDAward concerning implementation of gCg of Bank Sinarmas
is as follows:
Event : Anugerah Perbankan Indonesia IV 2015
Organizer : Economic Review
Date : November 5, 2015
Annual Report 2015 | PT. BANK SINARMAS Tbk. 333
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
STRUKTUR DAN MEKANISME TATA KELOLA
Struktur Tata Kelola
Struktur tata kelola perusahaan memiliki peranan penting
dalam keberhasilan pelaksanaan gCg. Fungsi dari organ-
organ Bank dijalankan sesuai dengan peraturan perundang-
undangan yang berlaku, Anggaran Dasar Bank, dan ketentuan
lainnya yang didasari prinsip independensi bagi setiap organ
untuk melaksanakan tugas, fungsi, dan tanggung jawab.
Komite Audit / Audit Committee
Sekretaris Perusahaan /
Corporate Secretary
Asset & Liability Management commitee (ALcO)
Komite Pemantau Risiko / Risk Monitoring Committee
Satuan Kerja Audit Intern / Internal Audit
Work Unit
Komite Kredit / Credit Committee
Komite Remunerasi & Nominasi / Remuneration and Nomination
Committee
Komite Tata Kelola Terintegrasi / Integrated Corporate governance
Committee
Satuan Kerja Kepatuhan /
Compliance Work Unit
Komite Teknologi Informasi / Information Technology Committee
Satuan Kerja Manajemen Risiko / Risk Management
Work Unit
Komite Manajemen Risiko /Risk Management Committee
Komite Human capital Management (HcM) / Human Capital Management Committee
DEwAN KOMISARIS
BOARD OF COMMISSIONER
DIREKSI
BOARD OF DIRECTOR
RAPAT UMUM PEMEgANg SAHAM
gENERAL MEETINg OF SHAREHOLDER
STRUcTURE AND MEcHANISM OF cORPORATE gOVERNANcE corporate governance Structure
Corporate governance structure has an important role in
succeeding the implementation of gCg practice. The function
of the Bank’s organs is conducted according to the prevailing
regulations, the Bank’s Article of Association, and other rules,
in which every organ should perform its duties, functions, and
responsibilities by adhering to the independency principles.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.334
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Dalam membangun struktur tata kelola, Perseroan
memperhatikan pemetaan fungsi atau kegiatan usaha dengan
standar etika bisnis serta memastikan mekanisme check and
balance dapat bekerja secara efektif. Struktur tata kelola di
lingkungan Perseroan meliputi struktur organ dan kebijakan
Perseroan, yaitu RUPS, Dewan Komisaris, Direksi, serta organ-
organ pendukung lainnya seperti Sekretaris Perusahaan,
pengendalian internal, manajemen risiko, serta ketaatan
terhadap ketentuan yang berlaku.
Mekanisme Tata Kelola
Mekasnisme tata kelola atau governance mechanism
merupakan mekanisme implementasi gCg yang tercermin
dalam sistem yang kuat. Implementasi gCg tidak cukup
hanya dengan berlandaskan pada pilar governance structure,
melainkan dibutuhkan adanya aturan main yang jelas dalam
bentuk mekanisme. Governance mechanism dapat diartikan
sebagai aturan main, prosedur dan hubungan yang jelas
antara pihak yang mengambil keputusan dengan pihak
yang melakukan kontrol (pengawasan) terhadap keputusan
tersebut.
PENERAPAN TATA KELOLA DAN MANAJEMEN RISIKO TERINTEgRASIMengacu kepada Peraturan Otoritas Jasa Keuangan No.14/
POJK.03/2014 tentang Penerapan Manajemen Risiko
Terintegrasi Bagi Konglomerasi Keuangan dan Peraturan
Otoritas Jasa Keuangan No.18/POJK.03/2014 tentang
Penerapan Tata Kelola Terintegrasi bagi Konglomerasi
Keuangan maka Bank Sinarmas sebagai Entitas Utama
pada Konglomerasi Keuangan Sinar Mas Financial Services
telah melakukan penerapan untuk Tata Kelola Terintegrasi
dan Manajemen Risiko Terintegrasi. Adapun penerapan
tersebut antara lain dengan melakukan pembentukan
Satuan Kerja Kepatuhan Terintegrasi dan Satuan Kerja
Manajemen Risiko Terintegrasi, pembentukan Komite
Tata Kelola Terintegrasi dan Komite Manajemen Risiko
Terintegrasi yang beranggotakan Komisaris serta Direksi dari
9 (sembilan) Lembaga Jasa Keuangan dalam Konglomerasi
Keuangan Sinarmas Financial Services, serta penyusunan
Pedoman Penerapan Tata Kelola Terintegrasi dan Pedoman
Penerapan Manajemen Risiko Terintegrasi. Untuk posisi
31 Desember 2015, Bank juga telah melaporkan Laporan
Tata Kelola Terintegrasi, Laporan Profil Risiko Terintegrasi,
serta Laporan Kecukupan Penyediaan Modal Minimum
Terintegrasi. Disamping itu pula, sebagai bagian dari upaya
peningkatan kualitas dan sharing knowledge, Bank telah
melakukan sosialisasi serta melaksanakan Diskusi Interaktif
In establishing corporate governance structure, the Company
carefully maps the function and business activities based on
the applicable business ethics and ensures that check and
balance mechanism runs effectively. Corporate governance
structure in the Company’s environment includes organ
structure and policy of the Company, namely general Meeting
of Shareholders, Board of Commissioners, Board of Directors,
and other supporting organs such as Corporate Secretary,
internal control, risk management, and compliance with the
prevailing rules.
governance Mechanism
governance mechanims is a mechanism of gCg
implementation that is reflected on a robust system. The
implementation of gCg cannot be relied only on the
governance structure pillars. It requires a clear rule in the
form of a mechanism. governance mechanism then means
a rule and procedure which specifies relationship between
the decision maker and the controller of the decision
implementation.
IMPLEMENTATION OF gOVERNANcE AND INTEgRATED RISK MANAgEMENTPursuant to POJK No.14/POJK.03/2014 on Implementation of
Integrated Risk Management For Financial Conglomerates and
POJK No.18/POJK.03/2014 on Implementation of Integrated
governance For Financial Conglomerates, Bank Sinarmas
as a main entity in Financial Conglomerates of Sinar Mas
Financial Services has implemented an Integrated governance
and Implemented Risk Management. The implementation
includes the establishment of Work Unit of Integrated
Compliance and Work Unit of Integrated Risk Management,
establishment of Integrated governance Committee and
Integrated Risk Management Committee that consist of
Commissioners and Directors from 9 (nine) Financial Services
Institutions in Financial Conglomerates of Sinar Mas Financial
Services, and formulation of guideline on Implementation
of Integrated governance and guideline on Implementation
of Integrated Risk Management. For December 31, 2015,
Bank has reported the Report on Integrated governance,
Report on Integrated Risk Profile, and Report on Adequacy
of Integrated Minimum Capital Provision. In addition, as an
effort of quality improvement and sharing knowledge, Bank
has disseminated and conducted Interactive Discussion on
Integrated governance and Integrated Risk Management
to Financial Service Institutions that are incorporated in
financial conglomerates, with speaker from Financial Services
Annual Report 2015 | PT. BANK SINARMAS Tbk. 335
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Tata Kelola Terintegrasi dan Manajemen Risiko Terintegrasi
kepada Lembaga Jasa Keuangan yang tergabung di dalam
konglomerasi keuangan, dengan nara sumber yang berasal
dari Otoritas Jasa Keuangan. Pelaksanaan sosialisasi serta
diskusi interaktif tersebut direncanakan akan dilaksanakan
secara berkala & berkesinambungan sehingga diharapkan
dapat menciptakan konglomerasi keuangan yang sehat, stabil
serta memiliki daya saing tinggi.
RAPAT UMUM PEMEgANg SAHAM (RUPS)RUPS merupakan organ tertinggi dalam Perseroan. RUPS
memiliki kewenangan yang tidak diberikan kepada Direksi
ataupun Dewan Komisaris dalam batas yang ditentukan dalam
Undang-Undang Perseroan Terbatas dan/atau Anggaran
Dasar Perseroan. Melalui RUPS, para pemegang saham dapat
mengemukakan pendapat dan ikut andil dalam pengambilan
keputusan-keputusan penting. RUPS juga menjadi forum
evaluasi kinerja Direksi dan Dewan Komisaris dengan
memperhatikan seluruh aspek operasional perusahaan, baik
dari kinerja ekonomi, sosial, maupun lingkungan.
Sebagaimana diatur dalam Undang-Undang No. 40 tahun
2007 tentang Perseroan Terbatas dan Anggaran Dasar
Perseroan, RUPS dibagi menjadi 2 (dua), yaitu RUPS Tahunan
dan RUPS Luar Biasa.
RUPS Tahunan (RUPST)
RUPST wajib dilaksanakan selambat-lambatnya 6 (enam) bulan
setelah tahun buku berakhir. Dalam rapat tersebut, Direksi
wajib menyampaikan hal-hal sebagai berikut:
1. Laporan Tahunan.
2. Mengemukakan pendapat mengenai penggunaan laba
Perseroan, apabila Perseroan memiliki laba positif.
3. Mengemukakan pendapat mengenai penetapan akuntan
publik untuk mengaudit tahun buku Perseroan yang
sedang berjalan berdasarkan usulan dari Dewan Komisaris
atau memberikan kuasa kepada Dewan Komisaris untuk
menetapkan akuntan publik.
4. Hal-hal lain yang memerlukan persetujuan RUPS untuk
kepentingan Perseroan dengan tetap memperhatikan
ketentuan dalam Anggaran Dasar.
RUPS Luar Biasa (RUPSLB)
Ketetapan untuk mengadakan RUPSLB tidak terikat. RUPS Luar
Biasa dapat diadakan setiap waktu sesuai dengan kebutuhan
Perseroan. Berdasarkan Akta No. 82 tanggal 24 Maret
2012, Direksi dapat menyelenggarakan RUPST dan RUPSLB
dengan terlebih dahulu menyampaikan Pengumuman dan
Pemanggilan Rapat melalui media cetak.
Authority. The dissemination and interactive discussion are
planned to be organized periodically and sustainably, and are
expected to create healthy, stable and competitive financial
conglomerates.
gENERAL MEETINg OF SHAREHOLDERSgMS is the highest organ in the Company. gMS has the
authority not given to the Board of Directors or Board of
Commissioners within limitation that is determined in the
Law of Limited Liability Company and/or Company Articles
of Association. Through gMS, the shareholders are able
to express their opinion and take part in the making of
strategic decisions. gMS also serves as a forum to evaluate
the performance of Board of Directors and Board of
Commissioners by taking into account the whole aspects of
the Company’s operations, in terms of economy, social, and
environment.
As regulated in the Law No. 40 of 2007 concerning Limited
Liability Company and Company Articles of Association, gMS
is divided into 2 (two), namely Annual gMS and Extraordinary
gMS.
Annual gMS (AgMS)
AgMS must be held no later than six months after the end of
the fiscal year, in which the Board of Directors are obliged to
do the following:
1. Submit Annual Report
2. Deliver opinion on the appropriation of the Company’s
profit, if any.
3. Deliver opinion on the appointment of public accountant
to audit the current fiscal year based on proposal from
the Board of Commissioners or authorize the Board of
Commissioners to appoint the public accountant.
4. Other matters which need approval from the gMS for
the Company’s interest while taking into account the
provisions of the Articles of Association.
Extraordinary gMS (EgMS)
There is no strict rule to convene an EgMS. Extraordinary
gMS can be held at any time if necessary for the Company’s
interest. Based on Deed No. 82 dated March 24, 2012, the
Board of Directors is entitled to hold AgMS and EgMS by
making prior notice and call of the meeting at any printed
media.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.336
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Tata cara Penyelenggaraan RUPS
Tata cara penyelenggaraan RUPS adalah sebagai berikut:
1. Perseroan terlebih dahulu menyampaikan pemberitahuan
mata acara RUPST secara jelas dan rinci kepada Otoritas
Jasa Keuangan (dahulu Badan Pengawas Pasar Modal
dan Lembaga Keuangan), paling lambat 5 (lima) hari kerja
sebelum pengumuman melalui iklan dilakukan. Hal ini
dilakukan sebagaimana yang telah diatur dalam Peraturan
Otoritas Jasa Keuangan Nomor 32 /POJK.04/2014 tentang
Rencana dan Penyelenggaraan Rapat Umum Pemegang
Saham Perusahaan Terbuka.
2. Pengumuman RUPS dilakukan melalui surat tercatat, iklan
surat kabar, situs website Bursa dan website Perseroan
paling lambat 14 (empat belas) hari sebelum pemanggilan
RUPS, dengan tidak memperhitungkan tanggal
pengumuman dan tanggal pemanggilan. Kemudian
pemanggilan RUPS dilaksanakan paling lambat 21 (dua
puluh satu) hari sebelum pelaksanaan RUPS, dengan tidak
memperhitungkan tanggal pemanggilan dan tanggal
RUPS.
3. Selanjutnya setelah pelaksanaan RUPS, Perseroan wajib
Mengumumkan ringkasan risalah RUPS kepada Otoritas
Jasa Keuangan dan Bursa Efek Indonesia paling lambat
2 (dua) hari kerja setelah Rapat diselenggarakan serta
mengumumkannya kepada publik sekurang-kurangnya
dalam 2 (dua) surat kabar berbahasa Indonesia, situs
website Bursa dan website Perseroan.
4. Setiap saham yang dikeluarkan memiliki 1 (satu) hak suara,
kecuali jika Anggaran Dasar menentukan lain.
Penyelenggaran RUPSLB dan RUPST Bank Sinarmas pada 2015
dilakukan melalui proses dan tahapan sebagai berikut:
1. Pemberitahuan kepada Otoritas Jasa Keuangan dan Bursa
Efek Indonesia mengenai mata acara RUPSLB dan RUPST
Bank Sinarmas 2015.
2. Pengumuman melalui surat tercatat, iklan surat kabar,
situs website Bursa dan website Perseroan.
3. Pemanggilan melalui surat tercatat, iklan surat kabar, situs
website Bursa dan website Perseroan.
4. Pengumuman ringkasan risalah RUPS kepada Otoritas Jasa
Keuangan, Bursa Efek Indonesia dan publik melalui surat
tercatat, iklan surat kabar, situs website Bursa dan website
Perseroan.
Procedures to convene gMS
The procedures to convene gMS are described as follows:
1. The Company shall give prior notice concerning the
agenda of 2015 AgM clearly and in detail to the Financial
Services Authority (formerly Capital Market Supervisory
Board and Financial Institution) no later than 5 (five)
business days before it is published as an advertisement.
This procedure is conducted to comply with the Financial
Services Authority Regulation No. 32/POJK.04/2014
concerning the Plan and Convening of general Meeting of
Shareholders.
2. The announcement of gMS is done through a written
letter, websites of Stock Exchange and the Company no
later than 14 (fourteen) days prior to the date of the gMS
invitation, by excluding the date of the announcement
and the date of gMS implementation. The call for gMS
is conducted no later than 21 (twenty one) days prior to
the implementation of gMS by excluding the dates of the
notice and gMS.
3. Subsequently after the implementation of the gMS, the
Company must report the gMS minutes of meeting to the
Financial Services Authority and Indonesia Stock Exchange
no later than two (2) business days after the meeting
is convened, and announced it to the public in at least
2 (two) Indonesian newspapers, websites of the Stock
Exchange and the Company.
4. Each share issued is eligible to 1 (one) voting rights, unless
the Articles of Association determine otherwise.
The convening of 2015 EgMS and AgMS of Bank Sinarmas
was conducted through the following process and stages:
1. Notification to the Financial Services Authority and
Indonesia Stock Exchange regarding the 2015 agenda of
EgMS and AgMS of Bank Sinarmas.
2. Announcement through a written letter, ads in newspaper,
websites of the Stock Exchange and the Company.
3. Call of meeting through a written letter, ads in newspaper,
websites of the Stock Exchange and the Company.
4. Announcement of gMS minutes of meeting summary to
the Financial Services Authority, Indonesia Stock Exchange
and the public through a written letter, ads in newspaper,
websites of the Stock Exchange and the Company.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 337
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Tabel tahapan penyelenggaraan RUPS
RUPS / gMSPemberitahuan /
NotificationPengumuman / Announcement
Pemanggilan / Call
Pelaksanaan / Implementation
Hasil dan Keputusan RUPS / gMS Results and
Decision
Luar Biasa /Extraordinary
5 Februari 2015 / February 5, 2015
13 Februari 2015 / February 13, 2015
2 Maret 2015 / March 2, 2015
24 Maret 2015 / March 24, 2015
26 Maret 2015 / March 26, 2015
Tahunan /Annual
27 April 2015 / April 26, 2015
6 Mei 2015 / May 6, 2015
21 Mei 2015 / May 21, 2015
12 Juni 2015 / June 12, 2015
16 Juni 2015 / June 16, 2015
Pemberitahuan mata acara
RUPS kepada Regulator /
gMS Agenda notification to
Regulator
Pemberitahuan kepada pemegang
saham melalui media surat kabar, situs
bursa dan website Perseroan / Notification
to shareholders via newspapers and the Company’s website
Pemanggilan pemegang saham dengan surat
tercatat dan surat kabar, situs bursa dan website Perseroan / Calling of
Shareholders via registered letters and newspapers and
the Company’s website
Pelaksanaan RUPS / gMS
Implementation
Pengumuman hasil RUPS
/ gMS Resolutions
Announcement
Pelaksanaan RUPS secara umum mengacu pada ketentuan
dalam Anggaran Dasar yaitu:
RUPS dipimpin oleh anggota Dewan Komisaris yang di tunjuk
oleh Dewan Komisaris dengan terlebih dahulu membacakan
tata tertib RUPS pada saat RUPS berlangsung yang menjadi
bagian dalam Berita Acara RUPS. Pimpinan RUPS memberikan
kesempatan kepada pemegang saham atau kuasanya untuk
mengajukan pertanyaan pada setiap mata acara rapat melalui
Surat Suara RUPS. Kemudian, Pimpinan Rapat menanggapi
pertanyaan pemegang saham yang hadir.
Setelah semua pertanyaan ditanggapi, selanjutnya
pemungutan suara dilakukan secara lisan dan hanya
pemegang saham atau kuasanya yang sah yang berhak untuk
mengeluarkan suara. Setiap satu saham memberikan hak
kepada pemegangnya untuk mengeluarkan satu suara.
Bank Sinarmas telah menunjuk Notaris Aryanti Artisari dalam
melakukan penghitungan dan/atau memvalidasi suara.
Pelaksanaan dan Keputusan RUPS 2015
Pada 2015, Perseroan telah mengadakan RUPS sebanyak 2
(dua) kali yaitu RUPS Luar Biasa dan RUPS tahunan untuk
tahun buku 2014 yang masing-masing dilakukan pada hari
Table of phase of gMS implementation
Implementation of gMS is generally refers to provisions in the
Articles of Association, namely:
gMS is chaired by a member of the Board of Commissioners
appointed by the Board of Commissioners by firstly reading
the meeting disciplinary when the gMS takes place which is
a part of gMS Minutes of Meeting. The chairman of gMS
provides opportunity for shareholders or their proxies to ask
questions in every meeting agenda through gMS ballot form,
afterward the Chairman of the Meeting responds to the
questions.
After all questions are responded, voting is conducted orally,
and only shareholders or legitimate proxies are entitled
to vote. One share gives only one voting right for the
shareholder.
Bank Sinarmas has appointed Notary Aryanti Artisari to count
and/or to validate the votes.
2015 gMS Implementation and Decision
In 2015, the Company has convened 2 (two) gMS, namely
Extraordinary gMS and Annual gMS for the fiscal year of
2014 which was held on Tuesday, March 24, 2015, located
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.338
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Selasa, 24 Maret 2015 dan Jumat, 12 Juni 2015 bertempat
di Ruang Paseo, Sinar Mas Land Plaza Tower II Lantai 39
Jalan MH. Thamrin No. 51 Jakarta Pusat. Informasi kehadiran
Dewan Komisaris dan Direksi, undangan, serta pemegang
saham sebagai berikut:
Dewan Komisaris
Tjendrawati Widjaja Komisaris Utama
Sammy Kristamuljana Komisaris Independen
Rusmin Komisaris Independen
Direksi
Freenyan Liwang Direktur Utama
Heru Agus Wuryanto Direktur
Loa Johnny Mailoa Direktur
Halim Direktur
Salis Teguh Hartono Direktur Independen
Hanafi Himawan Direktur Independen
Undangan
Soejanto Soetjijo dan Frenky Tirtowijoyo Susilo*
*) Telah menjabat sebagai Direktur Bank Sinarmas pada RUPST
Pemegang Saham
13.402.734.770 saham (95,38%) dari total 14.052.267.049
saham.
Jumlah saham dengan hak suara yang hadir atau diwakili telah
memenuhi kuorum dalam RUPS.
Mata acara RUPSLB dan RUPST Bank Sinarmas 2015 adalah
sebagai berikut:
Mata acara RUPSLB dan RUPST / EgMS and AgMS Agenda
No. Luar Biasa / Extraordinary No. Tahunan / Annual
1.Laporan tahunan Direksi untuk tahun buku 2014 / 2014 Board of Directors Annual Report
1.Perubahan Anggaran Dasar Perseroan / Changes in Articles of Association
2.Pengesahan perhitungan tahunan (neraca dan perhitungan laba/rugi) / Annual calculation ratification (balance sheet and income calculation)
2Perubahan Susunan Direksi Perseroan / Changes in Articles of Association
3.Penegasan penggunaan laba perseroan untuk tahun buku 2014 / Restatement of 2014 net profit appropriation of the Company
3
Laporan Perubahan Realisasi Penggunaan Dana Penawaran Umum Terbatas I (PUT I) / Report of Changes in the Use of Proceeds from Limited Public Offering I (PUT I)
4.Penunjukan Kantor Akuntan Publik untuk melakukan pemeriksaan pembukuan 2015 / Appointment of Public Accounting Firm to audit 2015 financial statements
5.
Penetapan gaji para anggota Direksi dan honorarium Dewan Komisaris Perseroan / Determination of salary for members of the Board of Directors and honorarium of the Board of Commissioners of the Company
at Paseo Room, Sinar Mas Land Plaza Towre II, 39th Floor,
on Jalan MH. Thamrin No. 51, Central Jakarta. The following
is the attendance record of the Board of Commissioners and
Board of Directors, guests, and shareholders:
Board of commissioners
Tjendrawati Widjaja President Commissioner
Sammy Kristamuljana Independent Commissioner
Rusmin Independent Commissioner
Board of Directors
Freenyan Liwang President Director
Heru Agus Wuryanto Director
Loa Johnny Mailoa Director
Halim Director
Salis Teguh Hartono Independent Director
Hanafi Himawan Independent Director
guests
Soejanto Soetjijo and Frenky Tirtowijoyo Susilo*
*) Served as Director of Bank Sinarmas at AgMS.
Shareholders
13,402,734,770 shares (95.38%) of the total 14,052,267,049
shares.
The number of shareholders holding shares with voting rights
that are present or represented at the meeting has met the
quorum at the gMS.
2015 EgMS and AgMS Agenda of Bank Sinarmas are as
follows:
Annual Report 2015 | PT. BANK SINARMAS Tbk. 339
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Hasil RUPS Luar Biasa 2015 dan Realisasi:
Mata acara / Agenda
Keputusan / DecisionRealisasi / Realization
Pertama /First
1. Menyetujui pengangkatan Saudara Soejanto Soetjijo dan Saudara Frenky Tirtowijoyo Susilo masing-masing sebagai Direktur Perseroan terhitung efektif sejak ditutupnya rapat ini sampai dengan berakhirnya masa jabatan Direksi Perseroan yang saat ini menjabat yaitu tanggal 15 Juni 2017.
Dengan demikian sejak ditutupnya rapat, susunan anggota Direksi, Dewan Komisaris, dan Dewan Pengawas Syariah Perseroan adalah sebagai berikut:
DIREKSI:Direktur Utama : Freenyan Liwang Direktur : Heru Agus WuryantoDirektur : Loa Johnny MailoaDirektur : HalimDirektur : Soejanto SoetjijoDirektur : Frenky Tirtowijoyo SusiloDirektur Independen : Salis Teguh HartonoDirektur Independen : Hanafi Himawan
DEWAN KOMISARIS:Komisaris Utama : Tjendrawati WidjajaKomisaris Independen : Sammy KristamuljanaKomisaris Independen : Rusmin
DEWAN PENgAWAS SyARIAH:Ketua : Ali Mustafa yaqubAnggota : Ahmadi Bin Sukarno
2. Menunjuk dan memberi kuasa kepada Direksi dan/atau Corporate Secretary Perseroan untuk melaksanakan keputusan tersebut di atas termasuk tetapi tidak terbatas untuk menandatangani akta pernyataan keputusan rapat di hadapan Notaris dan memberitahukan perubahan tersebut kepada pihak yang berwenang.
Terealisasi / Realized
1. Approved the appointment of Mr. Soejanto Soetjijo and Mr. Frenky Tirtowijoyo Susilo as Directors, effective since the closing of this meeting until the end of tenure of the Company’s Board of Directors that is currently serving, namely on June 15, 2017.
Therefore, since the closing of this Meeting, compositions of the Board of Directors, Board of Commissioners and Sharia Supervisory Unit are as follows:
BOARD OF DIRECTORS President Director : Freenyan Liwang Director : Heru Agus Wuryanto Director : Loa Johnny Mailoa Director : Halim Director : Soejanto Soetjijo Director : Frenky Tirtowijoyo Independent Director : Salis Teguh Hartono Independent Director : Hanafi Himawan
BOARD OF COMMISSIONERS President Commissioner : Tjendrawati Widjaja Independent Commissioner : Sammy Kristamuljana Independent Commissioner : Rusmin
SHARIA SUPERVISORy BOARD Chairman : Ali Mustafa yaqub Member : Ahmadi Bin Sukarno
2. Appointed and authorized the Board of Directors and/or Corporate Secretary of the Company to implement the decision but not limited to signing the deed of meeting decision before a Notary and notify the change to the authorities.
Results of 2015 Extraordinary gMS and Its Realization
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.340
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Mata acara / Agenda
Keputusan / DecisionRealisasi / Realization
Hasil Perhitungan Kartu Suara
/ Voting Result
Keputusan Hasil Pemungutan Suara / Voting Decision Tidak Menentukan
Pilihan(No Vote) (d)
Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c)
Nihil
Nihil 13.402.734.770
NihilTotal suara setuju : 13.402.734.770 saham atau 100% / Total agree votes: 13,402,734,770 shares or 100%
Mata acara / Agenda
Keputusan / DecisionRealisasi / Realization
Kedua /Second
1. Menyetujui perubahan Anggaran Dasar Perseroan sehubungan dengan diberlakukannya Peraturan Otoritas Jasa Keuangan dan menyusun kembali seluruh Anggaran Dasar Perseroan sehingga dengan demikian detil susunan kalimat masing-masing pasal perubahannya sebagaimana tertuang dalam materi rapat yang telah dibagikan kepada pemegang saham sebelum rapat ini / Approved the change in the Company’s Articles of Association in line with the implementation of Financial Services Authority Regulation and redrafted the entire Articles of Association, thus the detail of sentence composition of each articles as stated in meeting materials that have been distributed to shareholders prior to the meeting is clear.
2. Menunjuk dan memberi kuasa kepada Direksi dan/atau Corporate Secretary Perseroan untuk melaksanakan keputusan tersebut di atas termasuk tetapi tidak terbatas untuk menandatangani akta pernyataan keputusan rapat di hadapan Notaris dan memberitahukan perubahan tersebut kepada pihak yang berwenang / Appointed and authorized the Board of Directors and/or Corporate Secretary of the Company to implement the aforementioned decisions, including but not limited to signing the deed of meeting decision before a Notary and notify the change to the authorities.
Terealisasi / Realized
Hasil Perhitungan Kartu Suara
/ Voting Result
Keputusan Hasil Pemungutan Suara / Voting Decision Tidak Menentukan
Pilihan(No Vote) (d)
Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c)
Nihil
Nihil 13.402.734.770
NihilTotal suara setuju : 13.402.734.770 saham atau 100% / Total agree votes: 13,402,734,770 shares or 100%
Mata acara / Agenda
Keputusan / DecisionRealisasi / Realization
Ketiga / Third
Pada bulan Juni 2012, PT. Bank Sinarmas Tbk., melakukan Penawaran Umum Terbatas I (PUT I) kepada para pemegang saham dengan Hak Memesan Efek Terlebih dahulu (HMETD). Dana yang diperoleh dari PUT I adalah sebesar Rp300.796.534.500. (tiga ratus miliar tujuh ratus sembilan puluh enam juta lima ratus tiga puluh empat ribu lima ratus Rupiah). Keseluruhan dana tersebut digunakan untuk pembelanjaan teknologi informasi sebesar 60% dan pengembangan jaringan kantor sebesar 40% dengan uraian sebagai berikut / In June 2012, PT. Bank Sinarmas Tbk. conducted Limited Public Offering I (PUT I) to shareholders with Preemptive Rights. Funds from the PUT I amounted to Rp300,796,534,500 (three hundred billion seven hundred and ninety six million five hundred and thirty four thousand five hundred Rupiahs). The overall funds was used for information technology procurement amounted to 60% and office network development amounted to 40% with the following details:
Terealisasi / Realized
Annual Report 2015 | PT. BANK SINARMAS Tbk. 341
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Mata acara / Agenda
Keputusan / DecisionRealisasi / Realization
- Total penggunaan dana periode Oktober hingga Desember 2012 adalah sebesar Rp36.351.786.504,7 (tiga puluh enam miliar tiga ratus lima puluh satu juta tujuh ratus delapan puluh enam ribu lima ratus empat koma tujuh Rupiah), dengan Rp24.086.621.170,2 (dua puluh empat miliar delapan puluh enam juta enam ratus dua puluh satu ribu seratus tujuh puluh koma dua Rupiah) untuk pembelanjaan teknologi informasi dan Rp12.265.165.334,5 (dua belas miliar dua ratus enam puluh lima juta seratus enam puluh lima ribu tiga ratus tiga puluh empat koma lima Rupiah) untuk pengembangan jaringan kantor / Total use of funds for the period of October to December 2012 amounted to Rp36,351,786,504.7 (thirty six billion three hundred and fifty one million seven hundred and eighty six thousand five hundred four point seven Rupiahs), with Rp24,086,621,170.2 (twenty four billion eighty six million six hundred and twenty one thousand one hundred and seventy point two Rupiahs) for information and technology procurement and Rp12,265,165,334.5 (twelve billion two hundred and sixty five million one hundred and sixty five thousand three hundred and thirty four point five Rupiahs) for office network development.
- Total penggunaan dana periode Januari hingga Maret 2013 adalah sebesar Rp24.257.379.241,28 (dua puluh empat miliar dua ratus lima puluh tujuh juta tiga ratus tujuh puluh sembilan ribu dua ratus empat puluh satu koma dua delapan Rupiah) dengan 9.158.062.469,65 (sembilan miliar seratus lima puluh delapan juta enam puluh dua ribu empat ratus enam puluh sembilan koma enam lima Rupiah) untuk pembelanjaan teknologi informasi dan Rp 15.099.316.771,63 (lima belas miliar sembilan puluh sembilan juta tiga ratus enam belas ribu tujuh ratus tujuh puluh satu koma enam tiga Rupiah) / Total use of funds for the period of January to March 2013 amounted to Rp24,257,379,241.28 (twenty four billion two hundred and fifty seven million three hundred and seventy nine thousand two hundred and forty one point twenty eight Rupiahs) with Rp9,158,062,469.65 (nine billion one hundred and fifty eight million sixty two thousand four hundred and sixty nine point sixty five Rupiahs) for information technology procurement and Rp15,099,316,771.63 (fifteen billion ninety nine million three hundred and sixteen thousand seven hundred and seventy one point sixty three Rupiahs).
- Total penggunaan dana periode April hingga Juni 2013 adalah sebesar Rp33.218.107.267,32 (tiga puluh tiga miliar dua ratus delapan belas juta seratus tujuh ribu dua ratus enam puluh tujuh koma tiga dua Rupiah), dengan Rp8.903.666.711,17 (delapan miliar sembilan ratus tiga juta enam ratus enam puluh enam ribu tujuh ratus sebelas koma satu tujuh Rupiah) untuk pembelanjaan teknologi informasi dan Rp24.314.440.556,15 (dua puluh empat miliar tiga ratus empat belas juta empat ratus empat puluh ribu lima ratus lima puluh enam koma satu lima Rupiah) untuk pengembangan jaringan kantor / Total use of funds for the period of April to June 2013 amounted to Rp33,218,107,267.32 (thirty three billion two hundred and eighteen million one hundred seven thousand two hundred and sixty seven point thirty two Rupiahs) and Rp8,903,666,711.17 (eight billion nine hundred three million six hundred and sixty six thousand seven hundred and eleven point seventeen Rupiahs) for information technology procurement and Rp24,314,440,556.15 (twenty four billion three hundred and fourteen million four hundred and forty thousand five hundred and fifty six point fifteen Rupiahs) for office network development.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.342
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Mata acara / Agenda
Keputusan / DecisionRealisasi / Realization
- Total penggunaan dana periode Juli hingga September 2013 adalah sebesar Rp90.697.650.439,17 (sembilan puluh miliar enam ratus sembilan puluh tujuh juta enam ratus lima puluh ribu empat ratus tiga puluh sembilan koma satu tujuh Rupiah), dengan Rp57.855.842.162,67 (lima puluh tujuh miliar delapan ratus lima puluh lima juta delapan ratus empat puluh dua ribu seratus enam puluh dua koma enam tujuh Rupiah) untuk pembelanjaan teknologi informasi dan Rp32.841.808.276,5 (tiga puluh dua miliar delapan ratus empat puluh satu juta delapan ratus delapan ribu dua ratus tujuh puluh enam koma lima Rupiah) untuk pengembangan jaringan kantor / Total use of funds for the period of July to September 2013 amounted to Rp90,697,650,439.17 (ninety billion six hundred and ninety seven million six hundred and fifty thousand four hundred and thirty nine point seventeen Rupiahs), with Rp57,855,842,162.67 (fifty seven billion eight hundred and fifty five million eight hundred and forty two one hundred and sixty two point sixty seven) for information and technology procurement and Rp32,841,808,276.5 (thirty two billion eight hundred and forty one million eight hundred eight thousand two hundred and seventy six point five Rupiahs) for office network development.
- Total penggunaan dana periode Oktober hingga Desember 2013 adalah sebesar Rp41.563.555.567 (empat puluh satu miliar lima ratus enam puluh tiga juta lima ratus lima puluh lima ribu lima ratus enam puluh tujuh Rupiah), dengan Rp27.362.274.290 (dua puluh tujuh miliar tiga ratus enam puluh dua juta dua ratus tujuh puluh empat ribu dua ratus sembilan puluh Rupiah) untuk pembelanjaan teknologi informasi dan Rp14.201.281.277 (empat belas miliar dua ratus satu juta dua ratus delapan puluh satu ribu dua ratus tujuh puluh tujuh Rupiah) untuk pengembangan jaringan kantor / Total use of funds for the period of October to December 2013 amounted to Rp41,563,555,567 (forty one billion five hundred and sixty three million five hundred and fifty five thousand five hundred and sixty seven Rupiahs), with Rp27,362,274,290 (twenty seven billion three hundred and sixty two million two hundred and seventy four thousand two hundred and ninety Rupiahs) for information technology procurement and Rp14,201,281,277 (fourteen billion two hundred one million two hundred and eighty one thousand two hundred and seventy seven Rupiahs) for office network development..
- Total penggunaan dana periode Januari hingga Maret 2014 adalah sebesar Rp36.524.702.479 (tiga puluh enam miliar lima ratus dua puluh empat juta tujuh ratus dua ribu empat ratus tujuh puluh sembilan Rupiah), dengan Rp24.146.230.452 (dua puluh empat miliar seratus empat puluh enam juta dua ratus tiga puluh ribu empat ratus lima puluh dua) untuk pembelanjaan teknologi informasi dan Rp12.378.472.027 (dua belas miliar tiga ratus tujuh puluh delapan juta empat ratus tujuh puluh dua ribu dua puluh tujuh Rupiah) untuk pengembangan jaringan kantor / Total use of funds for the period of January to March 2014 amounted to Rp36,524,702,479 (thirty six billion five hundred and twenty four million seven hundred two thousand four hundred and seventy nine Rupiahs), with Rp24,146,230,452 (twenty four billion one hundred and forty six million two hundred and thirty thousand four hundred and fifty two Rupiahs) for information and technology procurement and Rp12,378,472,027 (twelve billion three hundred and seventy eight million four hundred and seventy two thousand twenty seven Rupiahs) for office network development.
- Total penggunaan dana periode April hingga Juni 2014 adalah sebesar Rp34.408.155.086,34 (tiga puluh empat miliar empat ratus delapan juta seratus lima puluh lima ribu delapan puluh enam koma tiga empat), dengan Rp26.288.551.814,64 (dua puluh enam miliar dua ratus delapan puluh delapan juta lima ratus lima puluh satu ribu delapan ratus empat belas koma enam empat Rupiah) untuk pembelanjaan teknologi informasi dan Rp8.119.603.271,7 (delapan miliar seratus sembilan belas juta enam ratus tiga ribu dua ratus tujuh puluh satu koma tujuh Rupiah) untuk pengembangan jaringan kantor / Total use of funds for the period of April to June 2014 amounted to Rp34,408,155,086.34 (thirty four billion four hundred eight million one hundred and fifty five thousand eighty six point thirty four Rupiahs), with Rp26,288,551,814.64 (twenty six billion two hundred and eighty eight million five hundred and fifty one thousand eight hundred and fourteen point sixty four) for information technology procurement and Rp8,119,603,271.7 (eight billion one hundred and nineteen million six hundred three thousand two hundred and seventy one point seven Rupiahs) for office network development..
Annual Report 2015 | PT. BANK SINARMAS Tbk. 343
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Mata acara / Agenda
Keputusan / DecisionRealisasi / Realization
Sehingga Penggunaan Dana Hasil Penawaran Umum Terbatas I keseluruhannya digunakan untuk Pembelanjaan Teknologi Informasi sebesar Rp177.801.249.070,33 (seratus tujuh puluh tujuh miliar delapan ratus satu juta dua ratus empat puluh sembilan ribu tujuh puluh koma tiga tiga Rupiah) dan untuk Pengembangan Jaringan Kantor sebesar Rp119.220.087.514,48 (seratus sembilan belas miliar dua ratus dua puluh juta delapan puluh tujuh ribu lima ratus empat belas koma empat delapan Rupiah) / Therefore, the Use of Proceeds from Limited Public Offering I amounted to Rp177,801,249,070.33 (one hundred and seventy seven billion eight hundred one million two hundred and forty nine thousand seventy point thirty three Rupiahs) was used for Information Technology Procurement and Rp119,220,087,514.48 (one hundred and nineteen billion two hundred and twenty million eighty seven thousand five hundred and fourteen point forty eight Rupiahs) used for Office Network Development.
Hasil Perhitungan Kartu Suara
/ Voting Result
Keputusan Hasil Pemungutan Suara / Voting Decision Tidak Menentukan
Pilihan(No Vote) (d)
Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c)
Bersifat pelaporan dan tidak diadakan proses pengambilan keputusan / This matter is report in nature and there was no decision-making process
Hasil RUPS Tahunan dan realisasi:
Mata acara / Agenda
Keputusan / DecisionRealisasi / Realization
Pertama /First
Menerima dan menyetujui Laporan Tahunan Direksi untuk tahun buku yang berakhir 31 Desember 2014 / Accepting and approving Board of Directors Annual Report for the fiscal year ended on December 31, 2014.
Terealisasi / Realized
Hasil Perhitungan Kartu Suara
/ Voting Result
Keputusan Hasil Pemungutan Suara / Voting Decision Tidak Menentukan
Pilihan(No Vote) (d)
Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c)
99.937 saham atau 0,0008% / 99,937 shares or
0.0008%
Nihil13.181.076.112 saham atau 99,9992% / 13,181,076,112
shares or 99,9992% Nihil
Total suara setuju : 13.181.076.112 saham atau 99,9992% / Total agree votes: 13,181,076,112 shares or 99,9992%
Results of Annual gMS Decision and Its Realization
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.344
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Mata acara / Agenda
Keputusan / DecisionRealisasi / Realization
Kedua /Second
Mengesahkan Perhitungan Tahunan (Neraca dan Perhitungan Rugi/Laba) untuk tahun buku yang berakhir pada 31 Desember 2014 serta memberikan pembebasan tanggung jawab kepada para anggota Direksi dan Dewan Komisaris atas pengurusan dan pengawasan (acquit et de charge) yang telah dijalankan untuk tahun buku yang berakhir pada 31 Desember 2014 / Ratifying the Annual Calculation (Balance Sheet and Income Calculation) for the fiscal year ended on December 31, 2014 and granting full release and discharge to the members of the Board of Directors and Board of Commissioners for the management and supervision (acquit et de charge) that have been implemented during the fiscal year ended on December 31, 2014.
Terealisasi / Realized
Hasil Perhitungan Kartu Suara
/ Voting Result
Keputusan Hasil Pemungutan Suara / Voting Decision Tidak Menentukan
Pilihan(No Vote) (d)
Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c)
99.937 saham atau 0,0008% / 99,937 shares or
0.0008%
Nihil13.181.076.112 saham atau 99,9992% / 13,181,076,112
shares or 99,9992% Nihil
Total suara setuju : 13.181.076.112 saham atau 99,9992% / Total agree votes: 13,181,076,112 shares or 99,9992%
Mata acara / Agenda
Keputusan / DecisionRealisasi / Realization
Ketiga / Third
Menyetujui penggunaan laba Perseroan untuk tahun buku yang berakhir pada 31 Desember 2014 sebesar Rp154,932 miliar (seratus lima puluh empat koma sembilan tiga dua miliar) / Approving the use of profit of the Company for fiscal year ended on December 31,2014 amounted to Rp154.932 billion (one hundred and fifty four point nine hundred and thirty two billion Rupiahs).
Bahwa dari laba tersebut akan digunakan sebagai berikut / That the profit was used as follows:a. Sebesar Rp500.000.000 (lima ratus juta Rupiah) untuk dana cadangan sesuai dengan
ketentuan pasal 70 ayat 1 Undang-Undang Nomor 40 tahun 2007 dan pasal 23 Anggaran Dasar Perseroan / Amounted to Rp500,000,000 (five hundred million Rupiahs) used for reserve funds in accordance with article 70 paragraph 1 Law No.40 year 2007 and article 23 articles of association of the Company.
b. Sisa laba bersih Perseroan sejumlah Rp154,432 miliar (seratus lima puluh empat koma empat tiga dua miliar) akan dipergunakan untuk membiayai operasional Perseroan dan memperkuat Permodalan Perseroan dan dicatat sebagai Laba yang Ditahan, sesuai dengan pasal 23 ayat 3 akan dikelola oleh Direksi dengan cara yang tepat menurut pertimbangan Direksi, setelah memperoleh persetujuan Dewan Komisaris / The remaining net profit amounted to Rp154.432 billion (one hundred and fifty four point four hundred and thirty two billion Rupiahs) will be used to finance the Company’s operations and strengthen the capital, and recorded as Retained Earnings, in accordance with article 23 paragraph 3, it will be properly managed by the Board of Directors according to its consideration after obtaining approval from the Board of Commissioners.
Memberikan wewenang kepada Direksi Perseroan untuk mengatur, melaksanakan, dan menjalankan tindakan-tindakan yang diperlukan sehubungan dengan penggunaan laba bersih Perseroan tersebut diatas sesuai dengan ketentuan hukum dan peraturan yang berlaku / Authorizing the Board of Directors to manage, implement, and conducting required activities related to the use of the aforementioned net profit of the Company in accordance with legal provisions and the prevailing regulations.
Terealisasi / Realized
Annual Report 2015 | PT. BANK SINARMAS Tbk. 345
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Hasil Perhitungan Kartu Suara
/ Voting Result
Keputusan Hasil Pemungutan Suara / Voting Decision Tidak Menentukan
Pilihan(No Vote) (d)
Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c)
99.937 saham atau 0,0008% / 99,937 shares or
0.0008%
Nihil13.181.076.112 saham atau 99,9992% / 13,181,076,112
shares or 99,9992% Nihil
Total suara setuju : 13.181.076.112 saham atau 99,9992% / Total agree votes: 13,181,076,112 shares or 99,9992%
Mata acara / Agenda
Keputusan / DecisionRealisasi / Realization
Keempat /Fourth
1. Menyetujui penunjukan Kantor Akuntan Mulyamin Sensi Suryanto dan Lianny untuk melakukan pemeriksaan (audit) Laporan Keuangan Perseroan untuk tahun buku yang akan berakhir pada tanggal 31 Desember 2015.
2. Memberikan kuasa kepada Direksi perseroan untuk menetapkan honorarium bagi Kantor Akuntan Publik tersebut, serta persyaratan-persyaratan lain sehubungan dengan penunjukan Kantor Akuntan Publik tersebut.
Terealisasi / Realized
Hasil Perhitungan Kartu Suara
/ Voting Result
Keputusan Hasil Pemungutan Suara / Voting Decision Tidak Menentukan
Pilihan(No Vote) (d)
Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c)
NihilNihil
13.181.176.049 saham atau 100% Nihil
Total suara setuju : 13.181.176.049 saham atau 100%
Mata acara / Agenda
Keputusan / DecisionRealisasi / Realization
Kelima /Fifth
Menyetujui pelimpahan wewenang sepenuhnya kepada Dewan Komisaris, dengan memperhatikan usul yang diajukan oleh Komite Remunerasi dan Nominasi Perseroan, untuk menetapkan gaji para anggota Direksi dan honorarium Dewan Komisaris Perseroan.
Terealisasi / Realized
Hasil Perhitungan Kartu Suara
/ Voting Result
Keputusan Hasil Pemungutan Suara / Voting Decision Tidak Menentukan
Pilihan(No Vote) (d)
Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c)
99.937 saham atau 0,0008% / 99,937 shares or
0.0008%
Nihil13.181.076.112 saham atau 99,9992% / 13,181,076,112
shares or 99,9992% Nihil
Total suara setuju : 13.181.076.112 saham atau 99,9992% / Total agree votes: 13,181,076,112 shares or 99,9992%
Tabel Tingkat Kehadiran Pemegang Saham (%)
Tingkat kehadiran pemegang saham dalam RUPST Bank
Sinarmas selama 5 (lima) tahun terakhir berkisar pada
angka lebih dari 90%. Hal tersebut menunjukkan perhatian
pemegang saham tertuju pada perkembangan bisnis
Perseroan. Pengumuman dan panggilan RUPS Bank Sinarmas
teralisasi dengan efektif.
Table of Attendance Rate of Shareholders (%)
Attendance rate of shareholders in AgM of Bank Sinarmas
for the last 5 (five) years is around 90%. This shows that
the shareholders are interested to the Company’s business
development. Announcement and call for gMS of Bank
Sinarmas are realized effectively.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.346
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Tahun / year 2011 2012 2013 2014 2015
Kehadiran / Attendance (%)
98,11% 93,44% 95,98% 94,63% 93,61%
201320132013
80
60
40
20
100
2014 2015
94,6
3%
93,6
1%
95,9
8%
93,4
4%
98,1
1%
Pelaksanaan dan Keputusan RUPS Tahun Sebelumnya
Hasil Keputusan RUPS Tahunan 2014 dan Realisasi
Mata acara Keputusan / DecisionRealisasi / Realization
Pertama /First
Menerima dan menyetujui Laporan Tahunan Direksi untuk tahun buku yang berakhir 31 Desember 2013 / Accepted and approved the Board of Directors Annual Report for the year ended on December 31, 2013.
Terealisasi / Realized
Hasil Perhitungan Kartu Suara
/ Voting Result
Keputusan Hasil Pemungutan Suara / Voting Decision Tidak Menentukan
Pilihan(No Vote) (d)
Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c)
Nihil
Nihil11.902.656.491 saham atau
100% / / 11,902,656,491 shares or 100% Nihil
Total suara setuju : 11.902.656.491 saham atau 100%/ Total agree votes: 11,902,656,491 shares or 100%
Mata acara Keputusan / DecisionRealisasi / Realization
Kedua /Second
Mengesahkan Perhitungan Tahunan (Neraca dan Perhitungan Rugi/Laba) untuk tahun buku yang berakhir pada 31 Desember 2013 serta memberikan pembebasan tanggung jawab kepada para anggota Direksi dan Dewan Komisaris atas pengurusan dan pengawasan (acquit et de charge) yang telah dijalankan untuk tahun buku yang berakhir pada 31 Desember 2013 / Ratified the Annual Calculation (Blance Sheet and Income Calculation) for the fiscal year ended on December 31, 2013, and granted full release and discharge to the members of the Board of Directors and Board of Commissioners from the management and supervision (acquit et de charge) that have been implemented for the fiscal year ended on December 31, 2013.
Terealisasi / Realized
Hasil Perhitungan Kartu Suara
/ Voting Result
Keputusan Hasil Pemungutan Suara / Voting Decision Tidak Menentukan
Pilihan(No Vote) (d)
Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c)
Nihil
Nihil11.902.656.491 saham atau
100% / / 11,902,656,491 shares or 100% Nihil
Total suara setuju : 11.902.656.491 saham atau 100%/ Total agree votes: 11,902,656,491 shares or 100%
Implementaiton and Decision of the Previous year’s gMS
Results of 2014 Annual gMS Decision and Its Realization
Annual Report 2015 | PT. BANK SINARMAS Tbk. 347
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Mata acara Keputusan / DecisionRealisasi / Realization
Ketiga / Third
Menyetujui penggunaan laba Perseroan untuk tahun buku yang berakhir pada 31 Desember 2013 sebesar Rp221.099.313.298 (dua ratus dua puluh satu miliar sembilan puluh sembilan juta tiga ratus tiga belas ribu dua ratus sembilan puluh delapan Rupiah) sebagai berikut: a. Sebesar Rp500.000.000 (lima ratus juta Rupiah) untuk dana cadangan sesuai dengan
ketentuan pasal 70 ayat 1 Undang-undang Nomor 40 Tahun 2007 dan pasal 23 anggaran dasar Perseroan.
b. Sisa laba bersih Perseroan sejumlah Rp220.599.313.298 (dua ratus dua puluh miliar lima ratus sembilan puluh sembilan juta tiga ratus tiga belas ribu dua ratus sembilan puluh delapan Rupiah) akan dipergunakan untuk membiayai operasional Perseroan dan memperkuat Permodalan Perseroan dan dicatat sebagai Laba yang Ditahan, sesuai dengan pasal 23 ayat 3 akan dikelola oleh Direksi dengan cara yang tepat menurut pertimbangan Direksi, setelah memeroleh persetujuan Dewan Komisaris.
c. Memberikan wewenang kepada Direksi Perseroan untuk mengatur, melaksanakan, dan menjalankan tindakan-tindakan yang diperlukan sehubungan dengan penggunaan laba bersih Perseroan tersebut diatas sesuai dengan ketentuan hukum dan peraturan yang berlaku.
Approved the use of the Company’s profit for the fiscal year ended on December 31, 2013 at the amount of Rp221,099,313,298 (two hundred twenty one billion ninety nine million three hundred thirteen thousand two hundred ninety eight Rupiah) for the following purposes:a. The amount of Rp500,000,000 is declared reserve funds according to the provision of
article 70 paragraph 1 of the Law Number 40 of 2007 and article 23 of the Company’s articles of association.
b. The remaining net profit of Rp220,559,313,298 (two hundred twenty billion five hundred fifty nine million three hundred thirteen thousand two hundred ninety eight Rupiah) will be used to finance the Company’s operations and strengthen the Company’s capital and recorded as Retained Earnings, according to article 23 paragraph 3, which will be managed properly by the Board of Directors according to the discretion of the Board of Directors after obtaining approval from the Board of Commissioners.
c. Authorized the Board of Directors to manage, conduct, and take necessary actions in relation with the appropriation of the Company’s net profit, according to the prevailing rules and regulations.
a. Penyisihan Dana cadangan untuk tahun buku 2013 telah dibukukan / Allowance for reserve fund for 2013 fiscal year has been recorded.
b. Sisa laba bersih telah dicatat sebagai Laba yang Ditahan dan telah dibukukan / The remaining net profit was declared Retained Earnings and have been recorded.
Hasil Perhitungan Kartu Suara
/ Voting Result
Keputusan Hasil Pemungutan Suara / Voting Decision Tidak Menentukan
Pilihan(No Vote) (d)
Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c)
240.437 saham atau 0,002%/ 240,437 shares or
0.002%
Nihil11.902.656.491 saham atau
100% / 11,902,656,491 shares or 100% Nihil
Total suara setuju : 11.902.656.491 saham atau 100% / Total agree votes: 11,902,656,491 shares or 100%
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.348
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Mata acara Keputusan / DecisionRealisasi / Realization
Keempat /Fourth
a. Menyetujui penunjukkan Kantor Akuntan Publik Mulyamin Sensi Suryanto dan Lianny untuk melakukan pemeriksaan (audit) Laporan Keuangan Perseroan untuk tahun buku yang akan berakhir pada 31 Desember 2014 / Approved the appointment of Public Accountant Mulyamin Sensi Suryanto and Lianny to conduct audit on the Company’s Financial Statement for the year ended on December 31, 2014.
b. Memberikan kuasa kepada Direksi Perseroan untuk menetapkan honorarium bagi Kantor Akuntan Publik tersebut, serta persyaratan-persyaratan lain sehubungan dengan penujukan Kantor Akuntan Publik tersebut / Authorized the Company’s Board of Directors to determine the honorarium of the Public Accountant and other requirements in relaiton wiht the appointment of the Public Accountant.
Terealisasi / Realized
Hasil Perhitungan Kartu Suara
/ Voting Result
Keputusan Hasil Pemungutan Suara / Voting Decision Tidak Menentukan
Pilihan(No Vote) (d)
Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c)
Nihil
Nihil11.902.656.491 saham atau
100% / 11,902,656,491 shares or 100% Nihil
Total suara setuju : 11.902.656.491 saham atau 100% / Total agree votes: 11,902,656,491 shares or 100%
Mata acara Keputusan / DecisionRealisasi / Realization
Kelima /Fifth
Menyetujui pelimpahan wewenang sepenuhnya kepada Dewan Komisaris, dengan memperhatikan usul yang diajukan oleh Komite Remunerasi dan Nominasi Perseroan, untuk menetapkan gaji para anggota Direksi dan honorarium Dewan Komisaris Perseroan / Approved full delegation of power to the Board of Commissioners, by considering the recommendation given by the Remuneration and Nomination Committee to decide the salary of the members of the Board of Directors and the honorarium of the Board of Commissioners.
Terealisasi / Realized
Hasil Perhitungan Kartu Suara
/ Voting Result
Keputusan Hasil Pemungutan Suara Tidak Menentukan
Pilihan(No Vote) (d)
Tidak Setuju (a) Abstain (b) Setuju (c)
Nihil
Nihil11.902.656.491 saham atau
100% / 11,902,656,491 shares or 100% Nihil
Total suara setuju : 11.902.656.491 saham atau 100% / Total agree votes: 11,902,656,491 shares or 100%
Annual Report 2015 | PT. BANK SINARMAS Tbk. 349
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Hasil RUPS Luar Biasa 2014 dan Realisasi
Mata acara Keputusan / DecisionRealisasi / Realization
Pertama /First
a. Menyetujui pengangkatan saudara Rusmin sebagai Komisaris Independen Perseroan terhitung sejak ditutupnya RUPSLB sampai dengan 15 Juni 2017. Masa jabatan ini berlaku efektif setelah mendapatkan persetujuan dari Otoritas Jasa Keuangan.
b. Memberhentikan dengan hormat saudara Wimpie Rianto selaku Komisaris Independen Perseroan dengan penghargaan dan ucapan terima kasih serta memberikan pembebasan dan pelunasan (acquit et de charge) kepada yang bersangkutan beserta tanggung jawab yang timbul dan tindakan-tindakan pengurusan yang telah diambil selama jangka waktu sejak Januari 2008 sampai dengan 13 Juni 2014 sejauh tindakan yang diambil selama melakukan pengurusan tersebut tidak bertentangan atau melanggar peraturan perundang-undangan yang berlaku.
c. Menyetujui pengangkatan Saudara Hanafi Himawan dan Saudara Salis Teguh Hartono sebagai Direktur Independen Perseroan.
d. Menyetujui pemberhentian dengan hormat seluruh anggota Direksi dan Dewan Komisaris Perseroan serta memberikan pelunasan dan pembebasan (acquit et de charge) tanggung jawab sepenuhnya selama menjalankan jabatannya sepanjang tindakan-tindakan tersebut tercermin dalam buku-buku Perseroan dan tidak bertentangan atau melanggar peraturan perundang-undangan yang berlaku serta mengucapkan terima kasih atas sumbangsih dan jasa-jasa yang telah diberikan.
e. Menyetujui pengangkatan kembali seluruh anggota Direksi dan Dewan Komisaris Perseroan untuk masa jabatan terhitung sejak ditutupnya rapat sampai dengan 15 Juni 2017.
Dengan demikian sejak ditutupnya rapat, susunan anggota Direksi, Dewan Komisaris dan Dewan Pengawas Syariah Perseroan adalah sebagai berikut:
Dewan KomisarisKomisaris Utama : Tjendrawati WidjajaKomisaris Independen : Sammy KristamuljanaKomisaris Independen : Rusmin
DireksiDirektur Utama : Freenyan LiwangDirektur : Heru Agus WuryantoDirektur Independen : Salis Teguh HartonoDirektur : Loa Johnny MailoaDirektur : HalimDirektur Independen : Hanafi Himawan
Dewan Pengawas SyariahKetua : Ali Mustafa yaqubAnggota : Ahmadi Bin Sukarno
f. Menunjuk dan memberi kuasa kepada Direksi dan/atau Corporate Secretary Perseroan untuk melaksankan keputusan tersebut di atas termasuk tetapi tidak terbatas untuk menandatangani akta pernyataan keputusan rapat di hadapan Notaris dan memberitahukan perubahan tersebut kepada pihak yang berwenang.
Rusmin efektif menjabat
sebagai komisaris independen
setelah mendapatkan
persetujuan dari OJK Pada tanggal
19 Juni 2014
Results of 2014 Extraordinary gMS and Its Realization
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.350
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Mata acara Keputusan / DecisionRealisasi / Realization
First
a. Approved the appointment of Mr. Rusmin as the Company’s Independent Commissioner effective since the closing of the Extraordinary gMS until June 15, 2017. This term of office is effective upon approval of the Financial Services Authority.
b. Respectively dismissed Mr. Wimpie Rinato as the Company’s Independent Commissioner by extending appreciaiton and thank and gave him full release and discharge (acquit et de charge) from the responsibilities that arised and management actions that have been taken from the period of January 2008 to june 13, 2014, so long as such management actions do not contravene with or violate the applicable laws and regulations.
c. Approved the appointment of Mr. Hanafi Himawan and Mr. Salis Teguh Hartono as the Company’s Independent Directors.
d. Respectively approved and dismissed all members of the Company’s Board of Directors and Board of Commissioners and granted them full full release and discharge (acquit et de charge) from the responsibilities that have been fulfilled during their service, provided that such actions are reflected on the Company’s reports and not against or violate the prevailing laws and regulations, and thanked them for the contributions and services that have been given.
e. Approved the reappointment of all members of the Board of Directors and Board of Commissioners of the Company for the term of office effective from the closing of the meeting until June 15, 2007.
Hence, since the closing of the meeting, the composition of the Board of Directors, Board of Commissioners, and Sharia Supervisory Board is as follows:
Board of Commissioners President Commissioner : Tjendrawati Widjaja Independent Commissioner : Sammy Kristamuljana Independent Commissioner : Rusmin
Board of Directors President Director : Freenyan Liwang Director : Heru Agus Wuryanto Independent Director : Salis Teguh Hartono Director : Loa Johnny Mailoa Director : Halim Independent Director : Hanafi Himawan
Sharia Supervisory Board Head : Ali Mustafa yaqub Member : Ahmadi Bin Sukarno
f. Appointed and authorized the Board of Directors and/or Corporate Secretary of the Company to implement the decision, including but not limited to, sign the deed of the meeting decision in the presence of a Notary and notify such changes to the authorities.
Rusmin serves
as independent
commissioner
effective since the
approval of the OJK
on June 19, 2014.
Hasil Perhitungan Kartu Suara
/ Voting Result
Keputusan Hasil Pemungutan Suara / Voting Decision Tidak Menentukan
Pilihan(No Vote) (d)
Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c)
Nihil
Nihil11.902.656.491 saham atau
100% / 11,902,656,491 shares or 100% Nihil
Total suara setuju : 11.902.656.491 saham atau 100% / Total agree votes: 11,902,656,491 shares or 100%
Annual Report 2015 | PT. BANK SINARMAS Tbk. 351
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Mata acara Keputusan / DecisionRealisasi / Realization
Kedua /Second
a. Menyetujui perubahan Anggaran Dasar Perseroan Pasal 4 ayat 2 tentang modal / Approved the amendment of the Company’s Articles of Association, Article 4 paragraph 2 on capital
b. Menyetujui perubahan Anggaran Dasar Perseroan Pasal 14 ayat 2, ayat 3, dan ayat 5 tentang Direksi / Approved the change in the Company’s Articles of Association, Article 14 paragraph 2, paragraph 3, and paragraph 5 about the Board of Directors.
c. Menyetujui perubahan Anggaran Dasar Perseroan Pasal 17 ayat 2 tentang Dewan Komisaris / Approved the amendment of the Company’s Articles of Association, Article 17 paragraph 2 concerning the Board of Commissioners.
d. Memberikan kewenangan kepada Direksi Perseroan untuk menyatakan keputusan-keputusan yang telah diambil tersebut di atas ke dalam akta Notaris dan untuk maksud tersebut menghadap ke hadapan Notaris, selanjutnya membuat atau menyuruh membuat, dan menandatangani akta, dokumen, formulir dan/atau surat-surat lainnya yang diperlukan, mengajukan permohonan, mengadakan segala perubahan dan/atau tambahan dalam memintakan dan karenanya mengambil atau memperoleh persetujuan atau pemberitahuan kepada pihak yang berwenang, termasuk dari Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dan mendaftarkan dalam Daftar Perusahaan, serta pada umumnya melakukan tindakan apapun juga yang diperlukan untuk melaksanakan kuasa dan wewenang tersebut diatas sesuai ketentuan hukum dan peraturan perundang-undangan yang berlaku, tanpa ada yang dikecualikan termasuk melakukan perubahan dalam hal perubahan tersebut diisyaratkan oleh instansi yang berwenang / Authorized the Company’s Board of Directors to state the decisions that have been made in the Notarial deed, and for that purpose, presented it in the presence of the Notary, then drew up or had somebody make and sign the deed, document, form, and/or other letters needed, submit a proposal, make any changes and/or additions in the request, and thereby earn or acquire the approval or notification to the authorities, including from the Minister of Law and Human Rights of the Republic of Indonesia and list it on the Company Register, and generally conducted any actions wherever necessary to carry out the power and authorities according to the applicable laws and regulations without execption, including making adjutment in the event that such adjustment is required by the authorities.
Terealisasi / Realized
Hasil Perhitungan Kartu Suara
/ Voting Result
Keputusan Hasil Pemungutan Suara / Voting Decision Tidak Menentukan
Pilihan(No Vote) (d)
Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c)
Nihil
Nihil11.902.656.491 saham atau
100% / 11,902,656,491 shares or 100% Nihil
Total suara setuju : 11.902.656.491 saham atau 100% / Total agree votes: 11,902,656,491 shares or 100%
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.352
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Mata acara Keputusan / DecisionRealisasi / Realization
Ketiga / Third
a. Menyetujui Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu (PMTHMETD) dengan mengeluarkan saham baru sebanyak 1.312.411.310 (satu miliar tiga ratus dua belas juta empat ratus sebelas ribu tuga ratus sepuluh) dengan nilai nominal Rp100 (seratus Rupiah) setiap saham atau sebanyak-banyaknya 10% (sepuluh persen) dari jumlah keseluruhan saham dari modal yang disetor dan ditempatkan penuh oleh Perseroan / Approved Capital Increase Without Preemptive Rights (PMTHMETD) by issuing new shares amounting to 1,312,411,310 (one billion three hundred and twelve million four hundred eleven thousand three hundred and ten) with a nominal value of Rp100,- (one hundred Rupiah) per share or maximum of 10% (ten percent) of the total number of shares issued and fully paid in the Company;
b. Memberikan wewenang dan kuasa kepada Direksi Perseroan dengan persetujuan Dewan Komisaris untuk melakukan segala tindakan yang diperlukan sehubungan dengan Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu, tetapi tidak terbatas dalam menentukan harga pelaksanaan Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu yang dianggap baik oleh Direksi, membuat dan/atau minta dibuatkan segala dokumen berkaitan dengan peningkatan modal tersebut serta meminta persetujuan dan/atau melaporkan serta melakukan pendaftaran yang diperlukan kepada pihak yang berwenang berkaitan dengan Peningkatan Modal Tanpa Hak Memesan Efek Terlebih Dahulu, satu dan lain hal tanpa ada pengecualian dengan mengingat ketentuan peraturan perundang-undangan yang berlaku termasuk peraturan di bidang Pasar Modal / granted the authority and power to the Board of Directors of the Company upon the approval of the Board of Commissioners to perform all necessary actions in connection with the Capital Increase Without Pre-emption Rights, but not limited to determining the reasonable exercise price of the Capital Increase Without Preemptive Rights according to the Board of Directors, preparing and/or asking to prepare any documents relating with the capital increase and seeking approval and/or reporting it as well as registering any required documents to the authorities, in relation with the Capital Increase without Preemptive Rights, without exception, in one way or another, by considering the applicable laws and regulations, and the capital market regulation.
Sudah dilakukannya Penambahan
Modal Tanpa Hak Memesan Efek Terlebih Dahulu
(PMTHMETD) pada bulan Oktober dan November 2014 / Capital
Increase Without Preemptive Rights (PMTHMETD) was done in October and November
2014
Hasil Perhitungan Kartu Suara
/ Voting Result
Keputusan Hasil Pemungutan Suara / Voting Decision Tidak Menentukan
Pilihan(No Vote) (d)
Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c)
240.437 saham atau 0,002% / 240,437 shares or
0.002%
Nihil12.418.972.296 saham atau 99,998% / 12,418,972,296
shares or 99.998% Nihil
Total suara setuju : 12.418.972.296 saham atau 99,998% / Total agree votes: 12,418,972,296 shares or 99.998%
Mata acara Keputusan / DecisionRealisasi / Realization
Keempat /Fourth
Menyetujui Laporan Realisasi Penggunaan Dana Penawaran Umum Terbatas I (right issue) sebagaimana tersebut di atas untuk periode April 2013 (dua ribu tiga belas) sampai dengan Maret 2014 (dua ribu empat belas) / Approved the Report of the Realization of the Use of Proceeds from Limited Public Offering I (right issue) as mentioned above for the period of April 2013 (two thousand thirteen) until March 2014 (two thousand fourteen).
Terealisasi / Realized
Hasil Perhitungan Kartu Suara
/ Voting Result
Keputusan Hasil Pemungutan Suara / Voting Decision Tidak Menentukan
Pilihan(No Vote) (d)
Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c)
Nihil
Nihil12.419.212.733 saham atau
100% / 12,419,212,733 shares or 100% Nihil
Total suara setuju : 12.419.212.733 saham atau 100% Total agree votes: 12,419,212,733 shares or 100%
Annual Report 2015 | PT. BANK SINARMAS Tbk. 353
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
DEwAN KOMISARISDewan Komisaris merupakan organ dalam Bank yang
bertugas melakukan pengawasan, baik secara umum maupun
secara khusus sesuai dengan Anggaran Dasar.
Sepanjang tahun 2015, Dewan Komisaris telah melakukan
tugas pengawasan terhadap kebijakan manajemen,
mekanisme kepengurusan dan operasional Bank yang
dijalankan oleh Direksi serta memberikan masukan dan arahan
Direksi mengenai kinerja yang dijalankan.
Dewan Komisaris melaksanakan tugas dan tanggung jawab
secara independen dan selalu memastikan terselenggaranya
pelaksanaan Good Corporate Governance dalam setiap
kegiatan usaha Bank pada seluruh jenjang organisasi.
Dalam melaksanakan tugas dan tanggung jawab dan guna
mendukung efektivitas pelaksanaan tugas dan tanggung
jawab, Dewan Komisaris PT. Bank Sinarmas Tbk. dibantu oleh
ketiga komite antara lain Komite Audit, Komite Pemantau
Risiko, serta Komite Remunerasi & Nominasi.
Jumlah, Komposisi dan Kriteria Dewan Komisaris
Berdasarkan perubahan terakhir Anggaran Dasar Perseroan
sebagaimana tertuang dalam Akta No. 82, bahwa sampai
saat ini jumlah anggota Dewan Komisaris berjumlah 3 (tiga)
orang yang terdiri dari 1 (satu) Komisaris Utama dan 2 (dua)
Komisaris Independen. Berikut adalah komposisi Dewan
Komisaris PT. Bank Sinarmas Tbk. hingga 31 Desember 2015:
Tabel komposisi Dewan Komisaris
No Nama / Name Jabatan / Position
Persetujuan / Approval Periode Masa Jabatan / Term
of Office
Domisili / DomicileRUPS / gMS
OJK (d/h) Bank Indonesia
1Tjendrawati Widjaja
Komisaris Utama / President Commissioner
21 Desember 2009 (RUPSLB) / December 21, 2009 (EgM)
20 April 2010 / April 20, 2010
15 Juni 2017 (RUPSLB) / June 15, 2014 (EgM)
Indonesia
2Sammy Kristamuljana
Komisaris Independen / Independent Commissioner
15 Juni 2012(RUPSLB) / June 15, 2014 (EgM)
3 Juli 2012 / July 3, 2012
15 Juni 2017 (RUPSLB) / June 15, 2014 (EgM)
Indonesia
3 Rusmin
Komisaris Independen / Independent Commissioner
13 Juni 2014(RUPSLB) / June 13, 2014 (EgM)
19 Juni 2014 / June 19, 2014
15 Juni 2017 (RUPSLB) / June 15, 2014 (EgM)
Indonesia
BOARD OF cOMMISSIONERSBoard of Commissioners is an instrument in the Bank that is
assigned to conduct supervision, both in general and special in
accordance with the Articles in Association.
Throughout 2015, Board of Commissioners has carried out
supervisory duties to management policy, mechanism of Bank
management and operational by the Board of Directors as well
as to provide inputs and direction to the Board of Directors on
the performance.
Board of Commissioners carried out its duties and
responsibilities independently and always ensure the
implementation of good Corporate governance in every
business activity of the Bank in all organizational levels.
In carrying out the duties and responsibilities, and to
support the effectiveness of implementation of duties and
responsibilities, the Board of Commissioners of PT. Bank
Sinarmas Tbk. is assisted by three committees, namely Audit
Committee, Risk Monitoring Committee, and Remuneration &
Nomination Committee.
Total, composition, and criteria of the Board of
commissioners
Pursuant to the latest change in the Articles of Association,
as stated in Deed No.82, that up to date, total members of
the Board of Commissioners is 3 (three) persons, consisting
1 (one) President Commissioner and 2 (two) Independent
Commissioners. The following is the composition of the Board
of Commissioners of PT. Bank Sinarmas Tbk. until December
31, 2015:
Table of Board of Commissioners’ composition
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.354
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Berdasarkan jumlah, komposisi dan kriteria Dewan Komisaris
telah memenuhi ketentuan dalam Peraturan Bank Indonesia
Nomor 8/14/PBI/2006 tentang Perubahan Atas Peraturan Bank
Indonesia Nomor 8/4/PBI/2006 tentang Pelaksanaan Good
Corporate Governance bagi Bank Umum, disebutkan bahwa:
1. Jumlah anggota Dewan Komisaris paling kurang 3 (tiga)
orang dan paling banyak sama dengan jumlah anggota
Direksi.
2. Paling kurang 1 (satu) orang anggota Dewan Komisaris
wajib berdomisili di Indonesia
3. Dewan Komisaris dipimpin oleh Presiden Komisaris atau
Komisaris Utama
4. Dewan Komisaris terdiri dari Komisaris dan Komisaris
Independen
5. Pengangkatan anggota Dewan Komisaris dilakukan
oleh RUPS berdasarkan usulan Komite Remunerasi dan
Nominasi
6. Seluruh anggota Dewan Komisaris telah lulus fit and
proper test oleh Bank Indonesia dan Otoritas Jasa
Keuangan.
Hak, wewenang, dan Kewajiban Dewan Komisaris
Hak dan wewenang
1. Dewan Komisaris berwenang memberikan persetujuan
tertulis atas keputusan Direksi;
2. Anggota Dewan Komisaris baik sendiri maupun bersama-
sama berhak setiap waktu memasuki bangunan dan
halaman atau tempat lain yang dipergunakan dan dikuasai
serta dimiliki Bank dan berhak memeriksa buku-buku,
surat-surat bukti, persediaan barang-barang, memeriksa
dan mencocokan keadaan uang kas untuk keperluan
verifikasi dan lain-lain termasuk surat berharga serta
mengetahui segala tindakan yang telah dijalankan oleh
Direksi;
3. Tindakan dalam hal sebagaimana tersebut di atas, harus
dijalankan dalam kapasitas sebagai anggota Dewan
Komisaris dan wajib dilaporkan pada rapat Dewan
Komisaris tentang tindakan tersebut;
4. Jika dianggap perlu Dewan Komisaris berhak untuk
meminta bantuan tenaga ahli dalam melaksanakan
tugasnya untuk jangka waktu terbatas dengan beban
Bank;
5. Setiap anggota Dewan Komisaris berhak meminta
penjelasan tentang segala hal dari Direksi maupun
seluruh jajaran dibawahnya dan Direksi berkewajiban
memenuhinya; dan
The total, composition, and criteria of the Board of
Commissioners have fulfilled the provision in Bank Indonesia
Regulation No.8/14/PBI/2006 on Amendment to Bank
Indonesia Regulation No.8/4/PBI/2006 on The Implementation
of good Corporate governance For Commercial Banks, stated
that:
1. Total member of the Board of Commissioners is at least 3
(three) persons and at most equal to the total members of
the Board of Directors.
2. At least 1 (one) member of the Board of Commissioners
shall resides in Indonesia.
3. The Board of Commissioners is lead by a President
Commissioners
4. The Board of Commissioners consists of Commissioners
and Independent Commissioners.
5. The appointment of member of the Board of
Commissioners is carried out by gMS based on suggestion
from Remuneration and Nomination Committee.
6. All members of the Board of Commissioners have passed
the fit and proper test by Bank Indonesia and Financial
Services Authority.
Rights, Authority, and Responsibilities of Board of
commissioners
Rights and Authority
1. Board of Commissioners is authorized to give approval in
writing for the Board of Directors’ decision;
2. Members of the Board of Commissioners, both individually
and collectively, are entitled to enter the building and
premises or other places that are used, owned, and under
the authority of the Bank, at any time, and are authorized
to examine books, documentary evidences, and good
inventory, and cross-checking the cash flow and so on,
including securities, for verification purposes. They also
have the right to be informed on any actions performed by
the Board of Directors;
3. The actions as mentioned above shall only be conducted in
the capacity of a member of the Board of Commissioners
and are obliged to be reported at the Board of
Commissioners’ meeting;
4. If deemed necessary, the Board of Commissioners is
entitled to ask for expert assistance in performing its duties
for a specified period of time at the expense of the Bank;
5. Each member of the Board of Commissioners has the right
to obtain explanation on any matters from the Board of
Directors and all the managements under it, and the Board
of Directors must fulfill it; and
Annual Report 2015 | PT. BANK SINARMAS Tbk. 355
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
6. Setiap anggota Dewan Komisaris berhak menghadiri
rapat-rapat yang diselenggarakan oleh Direksi atau unit
kerja dibawahnya tanpa ikut memberikan keputusan.
Kewajiban
1. Memberikan pengesahan dan mengawasi implementasi
Rencana Bisnis Bank (RBB);
2. Menindaklanjuti hasil pengawasan dan rekomendasi
yang diberikan dalam hal terjadi penyimpangan terhadap
ketentuan perundang-undangan yang berlaku, Anggaran
Dasar dan prinsip prudential dalam praktek bisnis
(prudential banking practise);
3. Mengikuti perkembangan kegiatan bisnis Bank, dan
dalam hal Bank menunjukkan gejala kemunduran, segera
mengusulkan untuk mengadakan RUPS dan melaporkan
kepada Pemegang Saham dengan disertai saran tentang
langkah perbaikan yang diperlukan;
4. Memberikan pendapat dan saran untuk disampaikan pada
RUPS mengenai setiap persoalan yang dianggap penting
bagi kepengurusan Bank;
5. Melakukan tugas-tugas pengawasan lainnya yang
ditentukan oleh RUPS dan peraturan perundang-
undangan;
6. Memberikan arahan dan konsultasi kredit serta review atas
persetujuan kredit yang melebihi jumlah tertentu yang
ditentukan dalam RUPS dan/atau Anggaran Dasar; dan
7. Memastikan terselenggaranya pelaksanaan Good
Corporate Governance dalam setiap kegiatan usaha Bank
pada seluruh tingkatan atau jenjang organisasi.
Tugas dan Tanggung Jawab
Berdasarkan Surat Keputusan No. SK.002/2015/PRESKOM-
CorSec&CorComm tertanggal 26 Mei 2015, secara umum
Dewan Komisaris memiliki tugas dan tanggung jawab sebagai
berikut:
1. Melaksanakan sebaik-baiknya kewajiban Dewan Komisaris
sebagaimana diamanatkan dalam peraturan perundang-
undangan, Anggaran Dasar Perseroan berikut perubahan-
perubahannya, Board Manual, Surat Keputusan ini beserta
perubahannya, dan Pedoman Tata Tertib Kerja Dewan
Komisaris;
2. Dalam menjalankan tugasnya, Dewan komisaris berhak
memperoleh penjelasan dari Direksi atau setiap anggota
Direksi tentang segala hal yang diperlukan oleh Dewan
Komisaris;
3. Dewan Komisaris menerapkan prinsip-prinsip Good
Corporate Governance sebagaimana diatur dalam
Peraturan Bank Indonesia 8/4/PBI/2006 tentang
6. Each member of Board of Commissioners is entitled to
attend meetings held by the Board of Directors or the
working units it supervises without the right to make
decision.
Responsibilities
1. Ratifying and supervising the implementation of the Bank’s
Business Plan (RBB);
2. Following-up the result of the supervision and
recommendation given in the event of violation to the
provisions of the applicalbe laws, Articles of Associations,
and prudential principles in its business practices;
3. Keeping up with the development of the Bank’s business
activities, and in the event that the Bank shows signs
of decline, the Board shall immediately propose the
convening of gMS and report it to the Shareholders along
with the correction actions that are necessary;
4. Providing opinion and advices at the gMS on any matter
considered important for the Bank’s management;
5. Conducting other supervisory tasks that are determined by
the gMS and the laws and regulations;
6. Providing guidance and credit consultation and review on
credit approval that exceeds the amount set by the gMS
and/or the Articles of Association; and
7. Ensuring the implementation of good corporate
governance in each business activity of the Bank at all
levels of the organization.
Duties and Responsibilities
Based on the Decree No. SK.002/2015/PRESKOM-
CorSec&CorComm Dated May 26, 2015, the Board of
Commissioners has the following duties and responsibilities:
1. Carrying out the Board of Commissioners’ obligations in
a well manner as mandated in the Laws and Regulations,
the Company’s Articles of Association and its amendments,
Board Manual, this Decree and its amendment, and Board
Manual;
2. In performing its duties, the Board of Commissioners is
entitled to obtain explanation from the Board of Directors
or any member of the Board of Directors on all matters
required by the Board of Commissioners;
3. The Board of Commissioners implements the gCg
principles as stipulated in Bank Indonesia Regulation
No.8/4/PBI/2006 on the implementation of good
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.356
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Pelaksanaan Good Corporate Governance tertanggal 30
Januari 2006 jo. Peraturan Bank Indonesia 8/14/PBI/2006
tertanggal 5 Oktober 2006, dalam setiap kegiatan usaha
Bank pada seluruh tingkatan atau jenjang organisasi;
4. Melakukan pengawasan atas kebijakan pengurusan
pada umumnya, baik mengenai Bank sebagai Perseroan
maupun usaha Bank, dan memberi nasihat kepada Direksi;
5. Dalam melakukan pengawasan, Dewan komisaris wajib
mengarahkan, memantau, dan mengevaluasi pelaksanaan
kebijakan strategis Perseroan serta melaporkannya secara
tertulis ke Otoritas Jasa Keuangan secara semesteran;
6. Dalam melakukan pengawasan, Dewan Komisaris
dilarang terlibat dalam pengambilan keputusan kegiatan
operasional Bank (kredit, treasury, penghimpunan dana,
dan kegiatan operasional lainnya), kecuali :
a. Penyediaan dana kepada pihak terkait sebagaimana
diatur dalam ketentuan Regulator tentang Batas
Maksimum Pemberian Kredit bank Umum; dan
b. Hal-hal lain yang ditetapkan dalam Anggaran dasar
Bank atau peraturan perundangan yang berlaku.
7. Memastikan bahwa Direksi telah menindaklanjuti temuan
audit dan rekomendasi dari satuan kerja audit intern
Bank, auditor eksternal, hasil pengawasan Otoritas
Jasa Keuangan dan/atau hasil pengawasan otoritas
lain termasuk namun tidak terbatas pada Otoritas Jasa
Keuangan dan/atau Bursa Efek Indonesia;
8. Memberitahukan kepada Otoritas Jasa Keuangan paling
lambat 7 (tujuh) hari kerja sejak ditemukannya :
a. Pelanggaran peraturan perundang-undangan dibidang
keuangan dan perbankan; dan
b. Keadaan atau perkiraan keadaan yang dapat
membahayakan kelangsungan usaha Bank.
9. Berkewajiban membentuk paling kurang :
a. Komite Audit;
b. Komite Pemantau Risiko;
c. Komite Remunerasi dan Nominasi.
10. Dewan Komisaris wajib menyelenggarakan RUPS Tahunan
dan RUPSLB sesuai kewenangannya dalam peraturan
perundang-undangan dan Anggaran Dasar;
11. Dewan Komisaris wajib melakukan evaluasi terhadap
kinerja komite yang membantu pelaksanaan tugas dan
tanggung jawabnya setiap akhir tahun buku.
Corporate governance dated January 30, 2006 which was
amended with Bank Indonesia Regulation No. 08/14/2006
dated October 5, 2006, in each business activity of the
Bank at all levels of the organization;
4. To supervise the monitoring policy in general, regarding
the Bank as the Company and the Bank as a business, and
to provide advice to the Board of Directors;
5. In conducting the supervision, the Board of Commissioners
must direct, monitor, and evaluate the implementation of
the Company’s strategic policy and report it in writing to
Bank Indonesia every semester.
6. In conducting supervision, the Board of Commissioners
must not be involved in making decision about the Bank’s
operations (credit, treasury, fund collection, and other
operational activities), except:
a. Provision of funds to related parties as stipulated in the
Bank Indonesia regulations concerning Lending Limit
for Commercial Banks; and
b. Other matters specified in the Articles of Association of
the Bank or the applicable laws and regulations.
7. Ensuring that the Board of Directors has followed up the
audit findings and recommendations of the Bank’s internal
audit unit, the external auditors, the results of supervision
by Bank Indonesia and/or by the other authorities,
including but not limited to Bapepam-LK and/or the
Indonesia Stock Exchange.
8. To inform Bank Indonesia within 7 (seven) working days
after the discovery of:
a. Violation to laws and regulations in the field of finance
and banking.
b. The condition or forecasts on matters that can harm
the Bank’s sustainability.
9. To have the obligation to establish at least:
a. Audit Committee
b. Risk Monitoring Committee, and
c. Remuneration and Nomination Committee
10. The Board of Commissioners must conduct Annual and
EgMS in accordance with its authority in legislations and
the Articles of Association;
11. The Board of Commissioners must evaluate the
performance of committees that helped the
implementation of its duties and responsibilities every end
of fiscal year.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 357
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Pembagian Ruang Lingkup Tugas dan Tanggung Jawab
Masing-Masing Anggota Dewan Komisaris
Secara khusus pembagian tugas dan tanggung jawab Dewan
Komisaris adalah sebagai berikut:
Tabel pembagian tugas dan tanggung jawab masing-masing
Dewan Komisaris
Komisaris Utama / President Commissioner - Tjendrawati widjaja
1.
Melakukan koordinasi seluruh kegiatan Anggota Dewan Komisaris dan bersama-sama Anggota Dewan Komisaris lainnya melakukan peningkatkan fungsi pengawasan terhadap pengelolaan dan kinerja Perseroan / To coordinate all activities of the members of the Board of Commissioners in order to improve the supervisory function toward the management and performance of the Company.
2
Melakukan pengawasan terkait Credit, Liabilities Product Development, Sharia, Treasury, Global Trade Services/FI, Electronic Channel Operations, Retail Business, Micro Small Business Group, Corporate Retail Acquisition, Main Branch Thamrin, dan Sales & Distribution yang secara garis besar adalah / To perform monitoring on credit, liabilities product development, sharia, treasury, global Trade Services, and Electronic Channel Operations, which generally covers the following:a. Pengawasan terhadap kegiatan pemberian dan komposisi kredit berdasarkan penerapan prinsip kehati-hatian
(prudential principle) termasuk tindaklanjut atas temuan Otoritas Jasa Keuangan di bidang kredit / Supervision on loan approval and composition based on prudential principle, including the follow up of the findings of Bank Indonesia in the field of credit.
b. Pengawasan terhadap pengembangan dan peluncuran produk/jasa baru yang dikeluarkan / Supervision on the development and launching of products/services, among others, funding, business partner development, credit card, investment product, as well as electronic channels.
c. Pengawasan terhadap kegiatan Unit Usaha Syariah / Supervision over the Sharia Business Line.d. Pengawasan atas likuiditas, kegiatan terkait pasar uang, surat berharga dan kegiatan jual beli valuta asing /
Supervision on liquidity, activities related to money market, securities, and activities of foreign exchange trade.e. Pengawasan terhadap kegiatan Global Trade Services/FI / Supervision on global Trade Services/FI.f. Pengawasan terhadap kegiatan Electronic Channel Operations seperti card issuance, rekonsiliasi, settlement, system
development, system procedure, monitoring & deployment, dan product development / Supervision over Electronic Operations activities such as card issuance, reconciliation, settlement, system development, system procedures, monitoring and deployment, and product development.
g. Pengawasan terhadap bisnis retail Perseroan khususnya pemberian fasilitas kredit retail dan pemantauan kelancaran kredit retail sesuai dengan ketentuan standar kredit yang sehat / Supervision on the Company’s retail business, especially retail credit and supervision on the smoothness of retail credit in accordance with the provisions of sound credit standards.
h. Pengawasan terhadap kegiatan unit mikro bisnis agar memenuhi standar yang ditetapkan khususnya permohonan pembiayaan nasabah / Supervision on the micro business unit to meet the determined standards, especially customer financing requests.
i. Pengawasan terhadap kegiatan pemasaran dalam hal deepening dan cross sell atas seluruh jasa perbankan terutama retail products seperti payroll, KTA payroll, Bancassurance, reksadana, credit card, digital banking / Supervision over marketing activities in deepening and cross sell on all bank services especially retail products such as payroll, KTA payroll, Bancassurance, mutual funds, credit card, and digital banking.
j. Pengawasan terhadap seluruh aktivitas di KCU Thamrin yang berhubungan dengan kredit, funding, operasional dan kegiatan lainnya dengan pihak internal maupun eksternal / Supervision on all activities in KCU Thamrin related to credit, funding, operations and other activities with both internal and external parties.
k. Pengawasan terhadap jalannya penerapan strategi bisnis di masing-masing Kantor Wilayah dan Kantor Cabang / Supervision on implementation of business strategies in each regional and branch office.
Komisaris Independen / Independent Commissioner - Sammy Kristamuljana
1.Bersama-sama dengan anggota Dewan Komisaris lainnya dalam meningkatkan fungsi pengawasan terhadap pengelolaan dan kinerja Perseroan / Together with members of the Board of Commissioners, to improve the oversight function of the Company’s management and performance.
Distribution of Scope of Duties and Responsibilities of
Each Member of the Board of commissioners
generally, the duties and responsibilities of the Board of
Commissioners are as follows:
Table of distribution of duties and responsibilities of each
member of the Board of Commissioners
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.358
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Komisaris Independen / Independent Commissioner - Sammy Kristamuljana
2
Melakukan pengawasan terkait Loan Recovery, Business Continuity Management, SKMR, Information Technology, Financial Planning & Controlling & Performance Management, Compliance, Capital Market, Card Center, Digital Banking, BND, dan Bancassurance & Agency secara garis besar adalah / Together with members of the Board of Commissioners, to improve the oversight function of the Company’s management and performance:a. Pengawas atas debitur dengan kredit bermasalah / Supervision on the debtors with non-performing loans.b. Pengawasan atas kebijakan dan pelaksanaan Business Continuity Plan / Supervision on the policy and
implementation of Business Continuity Plan.c. Pengawasan terhadap perumusan, penetapan, dan evaluasi kebijakan manajemen risiko / Supervision on the
formulation, determination, and evaluation of risk management policies.d. Pengawasan terhadap perumusan dan evaluasi pengembang jaringan teknologi informasi guna mendukung
kegiatan Perseroan (Blueprint teknologi Informasi) / Supervision on the formulation and evaluation of information technology development network to support the activities of the Company (Information Technology Blueprint).
e. Pengawasan terhadap perumusan dan evaluasi strategi Perseroan yang tertuang dalam rencana bisnis dan corporate plan dikaitkan dengan visi dan misi Perseroan / Supervision on the formulation and evaluation of the Company’s strategy set out in the business plan and corporate plan, which is associated with the Company’s vision and mission.
f. Pengawasan atas kepatuhan terhadap peraturan internal maupun peraturan eksternal (Regulator perbankan dan pasar modal) / Supervision on compliance on both internal and external regulations (banking and capital market regulators).
g. Pengawasan terhadap pengembangan dan pemasaran produk pasar modal / Supervision on development and marketing of capital market products.
h. Pengawasan terhadap ketentuan dan prosedur kerja kartu kredit khususnya otorisasi kenaikan limit sementara / Supervision on work provisions and procedures of credit card, especially authorization on temporary limit increase.
i. Pengawasan terhadap proses pengembangan produk-produk online banking dan perkembangan tren online banking agar tercipta competitive advantage dalam persaingan pasar / Supervision on development process of online banking products and trend developments of online banking to establish competitive advantage in market competition.
j. Pengawasan terhadap rencana pengembangan jaringan kantor baru, analisis dan segmentasi pasar / Supervision on planning of development of new office network, market analysis and segmentation.
k. Pengembangan terhadap aktivitas transaksi bancassurance dan keagenan yang memberikan konstribusi penjualan / Development on bancassurance and agency transaction activities that contribute on sales.
Komisaris Independen / Independent Commissioner - Rusmin
1.Bersama-sama dengan anggota Dewan Komisaris lainnya dalam meningkatkan fungsi pengawasan terhadap pengelolaan dan kinerja Perseroan / Together with member of the Board of Commissioners, to improve the supervisory function on the Company’s management and performance.
2
Melakukan pengawasan terkait SKAI, Human Capital Recuritment & Admin Support, Human Capital System & Strategic, Accounting, Credit Administration & Control, Operations, Corporate Secretary & Legal, General Affairs, Anti Fraud, Procurement, dan Wealth Management yang secara garis besar adalah / To perform supervision related to Internal Audit, Human Capital Management, Accounting, Credit Administration & Control, Operations, Corporate Secretary & Communication, and general Affairs, which is generally described below:a. Pengawasan terhadap pengendalian internal yang dilaksanakan oleh audit internal dan audit eksternal / Supervision
on the internal control that is implemented by internal and external audit.b. Pengawasan atas kegiatan perekrutan dan pengembangan sumber daya manusia. / Supervision on the recruitment
and human resources developmentc. Pengawasan atas pelaksanaan corporate action dan pemenuhan terhadap ketentuan peraturan eksternal (Regulator
perbankan dan pasar modal) / Supervision on the implementation of corporate action and the fulfillment of external regulations (banking and capital market Regulators).
d. Pengawasan terhadap perlakuan akuntansi dan laporan keuangan Perseroan serta pendapatan, biaya dan pajak Perseroan / Supervision on accounting and financial statements of the Company.
e. Pengawasan terhadap pelaksanaan fungsi administratif kredit / Supervision on loan administrative function implementation.
g. Pengawasan terhadap setiap perbuatan hukum yang diambil Bank dan pengendalian terhadap risiko hukum / Supervision on every legal action taken by the Bank and management towards legal risks.
h. Pengawasan atas kegiatan pemeliharaan aset perusahaan dan ketepatan atas pemenuhan kebutuhan administrasi perseroan dengan memperhatikan efisiensi Perseroan / Supervision on maintenance of the Company’s assets and the accuracy of fulfillment of the Company’s administrative needs by paying attention to the Company’s efficiency.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 359
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Komisaris Independen / Independent Commissioner - Rusmin
i. Pengawasan terhadap strategi bank dalam pencegahan dan pengendalian fraud / Supervision on the Bank’s strategy in fraud prevention and controlling.
j. Pengawasan terhadap segala kebutuhan Perseroan akan barang-barang IT sesuai standar minimal yang ditentukan / Supervision on all of the Company’s needs on IT goods in accordance with the set minimal standards.
k. Pengawasan terhadap proses pengembangan produk investasi baik untuk existing product maupun new product dalam rangka meningkatkan fee based income bagi Bank / Supervision on development process of investment products both existing and new products in order to improve fee based income for the Bank.
Independensi, Kepemilikan Saham, dan Hubungan
Afiliasi
Berdasarkan Peraturan Bank Indonesia Nomor 8/14/PBI/2006
tentang Perubahan Atas Peraturan Bank Indonesia Nomor 8/4/
PBI/2006 tentang Pelaksanaan Good Corporate Governance
bagi Bank Umum, Anggota Dewan Komisaris wajib
mengungkapkan:
1. Kepemilikan saham yang mencapai 5% (lima persen) atau
lebih baik pada Bank yang bersangkutan maupun pada
Bank dan Perusahaan lain yang berkedudukan di dalam
dan di luar negeri
2. Hubungan keuangan dan hubungan keluarga dengan
anggota Dewan Komisaris lain, anggota Direksi dan/atau
pemegang saham pengendali Bank.
Seluruh anggota Dewan Komisaris tidak memiliki kepemilikan
dan/atau hubungan keuangan, serta hubungan keluarga
(sampai dengan derajat kedua) dengan anggota Dewan
komisaris lainnya, anggota Direksi, dan/atau pemegang saham
pengendali. Selain itu, anggota Dewan Komisaris tidak ada
yang merangkap jabatan sebagai anggota Dewan komisaris,
Direksi, atau Pejabat Eksekutif pada suatu lembaga keuangan
lain, atau anggota Dewan Komisaris, Direksi, atau Pejabat
Eksekutif yang melaksanakan fungsi pengawasan pada
satu anak perusahaan bukan Bank yang dikendalikan oleh
perusahaan.
Hubungan Afiliasi Dewan Komisaris
Nama / Name
Hubungan Keuangan denganFinancial Relationship with
Hubungan Keluarga denganFamily relationship with
Dewan Komisaris /
Board ofCommissioners
Direksi / Board of Directors
Pemegang Saham /
Shareholders
Dewan Komisaris/
Board ofCommissioners
Direksi / Board of Directors
Pemegang Saham /
Shareholders
yes No yes No yes No yes No yes No yes No
Tjendrawati Widjaja
x x x x x x
Sammy Kristamuljana
x x x x x x
Rusmin x x x x x x
Independence, Share Ownership, and Affiliation
Relationship
Based on Bank Indonesia Regulation No. 8/4/PBI/2006 on
Amendment on the Bank Indonesia Regulation about gCg
Implementation for Commercial Banks, the members of the
Board of Commissioners must disclose:
1. Share ownership of up to 5% (five percent) or more both
for the concerned Bank and other Banks and Companies
located in and out of the country.
2. Financial and family relationship with other members of
the Board of Commissioners, Board of Directors, and/or
controlling shareholders of the Bank.
All members of the Board of Commissioners have no
financial relationships and/or family relationships (to the
second degree) with other members of the Board of
Commissioners, the Board of Directors, and/or controlling
shareholders. In addition, none of the members of the Board
of Commissioners hold concurrent positions as members of
the Board of Commissioners, Board of Directors, or Executive
Officer in other financial institutions, or a member of the
Board of Commissioners, Board of Directors, or the Executive
Officer that carries out supervision on a non-bank subsidiary
controlled by the Company.
Affiliation of Board of commissioners
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.360
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Informasi kepemilikan saham Dewan Komisaris sebagai
berikut:
Tabel kepemilikan saham Dewan Komisaris
Nama / Name31 Desember 2014 / December 31, 2014
31 Desember 2015 / December 31, 2015
Tjendrawati Widjaja (Komisaris Utama / President Commissioner) -1.258.300 saham
(0,0089%) / 1,258,300 shares (0,0089%)
Sammy Kristamuljana (Komisaris Independen / Independent Commissioner)
- -
Rusmin (Komisaris Independen / Independent) - -
Rangkap Jabatan Dewan Komisaris
Berdasarkan Peraturan Bank Indonesia No. 8/4/PBI/2006
tentang Pelaksanaan Good Corporate Governance bagi Bank
Umum, anggota Dewan Komisaris diperkenankan untuk
merangkap jabatan, namun dengan ketentuan sebagai
berikut:
a. Hanya dapat menjadi anggota Dewan Komisaris, Direksi,
atau Pejabat Eksekutif pada 1 (satu) lembaga/perusahaan
bukan lembaga keuangan, atau
b. Anggota Dewan Komisaris, Direksi, atau Pejabat Eksekutif
yang melaksanakan fungsi pengawasan pada 1 (satu)
perusahaan anak bukan Bank yang dikendalikan oleh
Bank.
Informasi mengenai rangkap jabatan anggota Dewan
Komisaris sebagai berikut:
Tabel informasi rangkap jabatan anggota Dewan Komisaris
Nama / NameJabatan di Bank Sinarmas /
Position in Bank SinarmasJabatan di Bank Lain / Position in other bank
Jabatan di Perusahaan/Lembaga Lain / Position in
other instutitions
Tjendrawati Widjaja x x x
Sammy Kristamuljana x x x
Rusmin x x x
Pedoman dan Tata Tertib Kerja Dewan Komisaris
Pedoman dan tata tertib kerja Dewan Komisaris ditetapkan
melalui Surat Keputusan nomor SK.001/2015/PRESKOM-
CorSec&CorComm tertanggal 17 April 2015. Adapun isi
dari pedoman dan tata tertib Dewan Komisaris antara lain
mengatur:
1. Ketentuan umum
2. Syarat anggota Dewan Komisaris
3. Susunan Dewan Komisaris
Information on share ownership of the Board of
Commissioners are as follows:
Tabel of share ownership of the Board of Commissioners
concurrent Position of the Board of commissioners
Based on Bank Indonesia Regulation No. 8/4/PBI/2006 on
good Corporate governance Implementation, members of
the Board of Commissioners are allowed to hold concurrent
positions with the following conditions:
a. They can only become a member of the Board of
Commissioners, Board of Directors, or the Executive Officer
in 1 (one) non-financial institution/company, or
b. Members of the Board of Commissioners, Board
of Directors, or the Executive Officer that carry out
supervisory function in one (1) non-bank subsidiaries
controlled by the Bank.
Information on concurrent position of members of Board of
Commissioners.
Table of information on concurrent position of members of
Board of Commissioners
guidelines and work Rules of Board of commissioners
guidelines and work rules of Board of Commissioners
are determined through Decree number SK.001/2015/
PRESKOMCorSec&CorComm dated April 17, 2015. The
guidelines and work rules of the Board of Commissioners
consist of the following:
1. general provisions
2. Condition of membership of the Board of Commissioners
3. Composition of the Board of Commissioners
Annual Report 2015 | PT. BANK SINARMAS Tbk. 361
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
4. Hari, jam kerja dan cuti Dewan Komisaris
5. Tugas dan tanggung jawab Dewan Komisaris
6. Masa Jabatan
7. Keikutsertaan saham
8. Rapat
9. Perjalanan dinas Dewan Komisaris
10. Hubungan Keuangan, Hubungan Kepengurusan,
hubungan kepemilikan saham dan/atau Hubungan
Keluarga
11. Pakaian
12. Kepatuhan Terhadap Ketentuan
13. Kode Etik
14. Peningkatan Kompetensi Dewan Komisaris
15. Pengunduran Diri/Pemberhentian Anggota Dewan
Komisaris
16. Larangan
Frekuensi, Tingkat Kehadiran, dan Rekap Absensi Rapat
Dewan Komisaris
Dewan Komisaris menyelenggarakan rapat Dewan Komisaris
yang efektif dan menghadiri rapat tersebut sesuai dengan
ketentuan Surat Keputusan No.SK.001/2015/PRESKOM-
CorSec&CorComm tanggal 17 April 2015 tentang Pedoman
dan Tata Tertib Kerja Dewan Komisaris PT. Bank Sinarmas Tbk.
dalam point VII tentang Rapat.
Rapat Rutin Dewan Komisaris wajib diselenggarakan secara
berkala minimal 1 (satu ) kali dalam 2 (dua) bulan. Rapat
tersebut dihadiri secara fisik oleh anggota Dewan Komisaris
dan dipimpin oleh Komisaris Utama. Seluruh hasil rapat
diputuskan berdasarkan musyawarah mufakat dan dituangkan
secara tertulis dalam risalah rapat serta di dokumentasikan
dengan baik. Adapun Rapat Dewan Komisaris yang telah
diselenggarakan selama tahun 2015 adalah sebagai berikut:
Tabel frekuensi dan tingkat kehadiran anggota Dewan
Komisaris dalam rapat
No Nama / Name Jabatan / PositionFrekuensi Kehadiran / Attendance Frequency
1 Tjendrawati Widjaja Komisaris Utama / President Commissioner 7/7
2 Sammy Kristamuljana Komisaris Independen / Independent Commissioner 7/7
3 Rusmin Komisaris Independen / Independent Commissioner 7/7
4. Working days, hours, and day-offs of the Board of
Commissioners
5. Duties and Responsibilities of the Board of Commissioners
6. Term of office
7. Share participation
8. Meetings
9. Business trip of the Board of Commissioners
10. Financial affair, management affair, share ownership affair,
and/or family relationship
11. Outfit
12. Compliance to provisions
13. Code of Ethics
14. Competence improvement for the Board of Commissioners
15. Resignation/Dismissal of Members of the Board of
Commissioners
16. Illegal
Frequency, Attendance Rate and Absence Record of
Board of commissioners
The Board of Commissioners holds Board of Commissioners
meetings effectively and attends those meetings in accordance
with the provisions of the Decree number SK.001/2015/
PRESKOMCorSec&CorComm dated 17 April 2015 about
guidelines and Working Rules of the Board of Commissioners
of PT Bank Sinarmas Tbk in point VII about Meetings.
Regular Meeting of the Board of Commissioners must be
held routinely at least once in 2 (two) months. The meetings
are physically attended by members of the Board of
Commissioners and chaired by the President Commissioner.
All meeting results are decided after consensus and set
forth in writing in the minutes of the meeting as well as
documented properly. The Board of Commissioners’ meetings
that have been implemented in 2015 are as follows:
Table of meeting frequency and attendance rate of the Board
of Commissioners
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.362
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Tabel rekap absensi rapat Dewan Komisaris
Tanggal / Date Tjendrawati widjaja Sammy Kristamuljana Rusmin
27 Februari 2015 / February 27, 2015 √ √ √
17 April 2015 / April 17, 2015 √ √ √
26 Juni 2015 / June 26, 2015 √ √ √
14 Agustus 2015 / August 14, 2015 √ √ √
18 September 2015 / September 18, 2015 √ √ √
28 Oktober 2015 / October 28, 2015 √ √ √
3 Desember 2015 / December 3, 2015 √ √ √
Tabel agenda rapat Dewan Komisaris
Tanggal / DateNomor Risalah Rapat /
Minutes of Meeting NumberAgenda Rapat / Meeting Agenda
27 Februari 2015 /February 27, 2015 RR.001/2015/DEKOM
1. Penyesuaian pedoman dan tata tertib Dewan Komisaris berdasarkan Peraturan Bank Indonesia dan Peraturan Otoritas Jasa Keuangan
2. Evaluasi Piagam Komite Remunerasi & Nominasi
3. Update hasil Pemeriksaan KAP
1. Adjustment of guidelines and procedures of the Board of Commissioners based on Bank Indonesia Regulation and the Financial Services Authority Regulation.
2. Evaluation on the Remuneration & Nomination Committee Charter
3. Update on KAP Audit Result
17 April 2015/ April 17, 2015
RR.002/2015/DEKOM
1. Evaluasi piagam komite-komite di bawah Dewan Komisaris
2. Pembagian Tugas dan Tanggung Jawab Dewan Komisaris
3. Kinerja Bank Sinarmas Triwulan i-2015
1. Evaluation on charters of committees below the Board of Commissioners
2. Distribution of duties and responsibilities of the Board of Commissioners
3. Performance of Bank Sinarmas in the 1st quarter of 2015
26 Juni 2015 / June 26, 2015
RR.003/2015/DEKOM
1. Evaluasi Piagam Komite Pemantau Risiko dan Piagam Komite Audit
2. Membahas Kinerja Bank Sinarmas triwulan I-2015 (sesuai surat OJK No.S-71/PB.331/2015 tanggal 9 Juni 2015)
3. Membahas Laporan Keuangan Tahunan Tahun 2014 Bank Sinarmas (sesuai surat OJK No.S-79/PB.331/2015 tanggal 23 Juni 2015)
1. Evaluation of Risk Monitoring Committee Charter and Audit Committee Charter
2. Discussing the performance of Bank Sinarmas in the 1st quarter of 2015 (in accordance with the letter of the FSA No. S-71/PB.331/2015 dated June 9, 2015)
3. Discussing the Annual Financial Statement of Bank Sinarmas in 2014 (in accordance with the letter of the FSA No. S-71/PB.331/2015 dated June 23, 2015)
Table of Absence Recapitulation at the Board of
Commissioners’ Meeting
Table of meeting agenda of Board of Commissioners
Annual Report 2015 | PT. BANK SINARMAS Tbk. 363
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Tanggal / DateNomor Risalah Rapat /
Minutes of Meeting NumberAgenda Rapat / Meeting Agenda
14 Agustus 2015 / August 14, 2015
RR.004/2015/DEKOM
1. Pengunduran diri pihak independen
2. Evaluasi Komite Good Corporate Governance
3. Kinerja Bank Sinarmas Triwulan II-2015
18 September 2015 / September 18, 2015
RR.005/2015/DEKOM 1. Pihak independen
28 Oktober 2015 / October 28, 2015
RR.006/2015/DEKOM1. Kinerja Bank Sinarmas
triwulan III-2015
3 Desember 2015 / December 3, 2015
RR.007/2015/DEKOM
1. Laporan Kinerja Dewan Komisaris PT. Bank Sinarmas Tbk. tahun 2015
2. Program Kerja Dewan Komisaris tahun 2016
3. Pembubaran Komite Tata Kelola Perusahaan
Kunjungan Kerja Dewan Komisaris
Sepanjang tahun 2015, Dewan Komisaris melakukan
beberapa kunjungan ke beberapa kantor cabang. Dalam
kunjungan tersebut, Dewan Komisaris memberikan briefing
atau membahas hal-hal tertentu terkait aktivitas bisnis kantor
cabang. Dewan Komisaris juga melakukan sharing session
yang berisikan pembekalan, pengarahan, dan wejangan baik
kepada karyawan yang baru bergabung maupun karyawan
yang sudah lama bergabung di Bank Sinarmas.
Informasi mengenai kunjungan kerja Dewan Komisaris pada
2015 sebagai berikut:
No Tanggal / Dated Kota / City Topik Kunjungan / Visit Topic
1 24 - 27 Agustus 2015 / August 24 - 27, 2015 Denpasar Performance Review
2 13 Juli 2015 / July 13, 2015 Banjarmasin Performance Review
3 23 - 25 November 2015 / November 23 - 25, 2015 Makassar Performance Review
Orientasi Bagi Dewan Komisaris Baru
Orientasi diberikan kepada Dewan Komisaris yang baru
pertama menjabat di Bank Sinarmas. Apabila Dewan Komisaris
yang diganti hanya sebagian, maka penanggung-jawab
orientasi tersebut adalah Dewan Komisaris lainya dan atau
Sekretaris Perusahaan.
Materi yang diberikan pada program orientasi meliputi hal-hal
sebagai berikut:
1. gambaran mengenai Bank Sinarmas berkaitan dengan
tujuan, sifat, lingkup kegiatan, kinerja keuangan dan
operasi, strategi, rencana usaha jangka pendek dan jangka
work Visit of Board of commissioners
Throughout 2015, the Board of Commissioners made a
visit to several branch offices. During their visit, the Board
of Commissioners gave some briefing or discussed certain
matters on business activities of the branches. The Board of
Commissioners also conducts sharing session where they
share their knowledge, insight, and provide advices to the
employees, both newly-joined or working at the Company for
a long time in Bank Sinarmas.
Information on work visit of the Board of Commissioners in
2015 is as follows:
Policy for New Board of commissioners
Orientation is given to the new Board of Commissioners
who has just served at Bank Sinarmas. If there is only a half
of the Board of Commissioners who gets replaced, then the
person in charge of the orientation is the other Board of
Commissioners and/or Corporate Secretary.
The materials given in the orientation program covers the
following:
1. Description on Bank Sinarmas which relates to the
objective, nature, scope of activities, financial and
operational performances, strategies, short-term and long-
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.364
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
panjang, posisi kompetitif, risiko dan berbagai masalah
strategis lainnya.
2. Pelaksanaan prinsip-prinsip gCg oleh Bank Sinarmas.
3. Pemahaman terhadap tugas dan tanggung jawab Dewan
Komisaris.
4. Penjelasan yang berkaitan dengan kewenangan yang
didelegasikan, audit internal dan eksternal, sistem dan
kebijakan pengendalian internal serta tugas dan peran
Komite Audit dan Komite-komite lain yang dibentuk oleh
Komisaris.
5. Penjelasan mengenai kebijakan-kebijakan yang menunjang
pelaksanaan tugas dan tanggung jawab Dewan Komisaris.
Program Pelatihan Dewan Komisaris
Berdasarkan Surat Keputusan No.SK.001/2015/PRESKOM-
CorSec&CorComm tanggal 17 April 2015 tentang Pedoman
dan Tata Tertib Kerja Dewan Komisaris Bank Sinarmas
point XIV tentang Peningkatan Kompetensi Dewan
Komisaris disebutkan bahwa Anggota Dewan Komisaris
wajib melaksanakan/mengikuti pelatihan setiap tahunnya.
Merujuk Surat Keputusan Dewan Komisaris, maka dalam
rangka meningkatkan kompetensi yang sejalan dengan
perkembangan bisnis perbankan, adapun di tahun 2015,
Dewan Komisaris telah mengikuti beberapa seminar/pelatihan/
workshop, antara lain :
No Tanggal / Dated Training Penyelenggara / Organizer Tempat / Location
TJENDRAwATI wIDJAJA
111 Februari 2015 / February 11, 2015
Training 10 Elemen Transformasi
McKinsey Sinarmas Land Plaza, Jakarta
224 Maret 2015 / March 24, 2015
Training LMS & Performance Dashboard
McKinsey Sinarmas Land Plaza, Jakarta
317 April 2015 / April 17, 2015
Overview of Indonesian capital Market
Sinarmas Sekuritas Sinarmas Land Plaza, Jakarta
term business plan, competitive positions, risks, and other
various strategic matters.
2. Implementation of gCg principles by Bank Sinarmas.
3. Understanding on duties and responsibilities of Board of
Commissioners.
4. Explanation related to the authority that has been
delegated, internal and external audit, system and policy
of internal control, as well as duties and roles of Audit
Committee and other Committees established by the
Commissioner.
5. Explanation on policies supporting the implementation of
the Board of Commissioners and Board of Directors.
Training Program of Board of commissioners
The Decree No. SK.001/2015/PRESKOMCorSec&CorComm
dated April 17, 2015 about guidelines and Working Rules for
the Board of Commissioners of Bank Sinarmas point XIV about
Competence Improvement of the Board of Commissioners
states that members of the Board of Commissioners must
attend training programs every year. Referring to the
Decree of the Board of Commissioners, in order to improve
competence in line with the development of the banking
business, in 2015, the Board of Commissioners has attended
some seminars/trainings/workshops, inter alia:
Annual Report 2015 | PT. BANK SINARMAS Tbk. 365
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
No Tanggal / Dated Training Penyelenggara / Organizer Tempat / Location
411 November 2015 / November 11, 2015
KOMISARIS PROFESSIONAL PT. Intipesan Pariwara JW Marriot Hotel, Jakarta.
523 Oktober 2015 / October 23, 2015
governance of RiskIndonesian Institute For Corporate Directorship
Sinarmas Land Plaza, Jakarta
SAMMy KRISTAMULJANA
117 April 2015 / April 17, 2015
Overview of Indonesian capital Market
Sinarmas Sekuritas Sinarmas Land Plaza, Jakarta
223 Oktober 2015 / October 23, 2015
governance of RiskIndonesian Institute For Corporate Directorship
Sinarmas Land Plaza, Jakarta
RUSMIN
117 April 2015 / April 17, 2015
Overview of Indonesian capital Market
Sinarmas Sekuritas Sinarmas Land Plaza, Jakarta
223 Oktober 2015 / October 23, 2015
governance of RiskIndonesian Institute For Corporate Directorship
Sinarmas Land Plaza, Jakarta
KOMISARIS INDEPENDENKriteria Penentuan Komisaris Independen
Anggota Dewan Komisaris Bank Sinarmas telah memenuhi
jumlah, komposisi, kriteria dan independensi sesuai Peraturan
Bank Indonesia No.8/4/PBI/2006 jo. PBI No.8/14/PBI/2006
Tentang Perubahan atas Peraturan Bank Indonesia No.8/4/
PBI/2006 Tentang Pelaksanaan gCg bagi Bank Umum serta
Surat Edaran Bank Indonesia No.15/15/DPNP/2013 tanggal 29
April 2013 perihal Pelaksanaan Good Corporate Governance
bagi Bank Umum. Jumlah anggota Dewan Komisaris Bank
Sinarmas saat ini adalah 3 (tiga) orang, sebanyak 2 (dua)
orang atau sebanyak 67% diantaranya merupakan Komisaris
Independen. Komposisi tersebut juga telah memenuhi
peraturan yang ditetapkan oleh Regulator mengenai Komisaris
Independen.
Saat ini, Bank Sinarmas memiliki 2 (dua) anggota Komisaris
Independen. Komisaris Independen merupakan anggota
Komisaris yang berasal dari luar Bank (tidak memiliki
hubungan afiliasi dengan perusahaan) yang dipilih secara
transparan dan independen, memiliki integritas dan
kompetensi yang memadai, bebas dari pengaruh yang
berhubungan dengan kepentingan pribadi atau pihak lain,
serta dapat bertindak secara objektif dan independen dengan
berpedoman pada prinsip-prinsip gCg.
INDEPENDENT cOMMISSIONERcriteria to Appoint Independent commissioner
The number of members of Bank Sinarmas’ Board of
Commissioners is in line with the number, composition,
criteria, and independency as regulated in Bank Indonesia
Regulation No.8/4/PBI/2006 and PBI No.8/14/PBI/2006 on
Changes in the Bank Indonesia Regulation No.8/4/PBI/2006
concerning gCg Implementation for Commercial Banks
and Circular Letter of Bank Indonesia No.15/15/DPNP/2013
dated April 29, 2014 regarding the Implementation of good
Corporate governance for Commercial Banks. The number
of members of Bank Sinarmas’ Board of Commissioners is
currently 3 (three) people, 2 (two) of them or 67% of them
are Independent Commissioners. The composition has met
the regulation enforced by the Regulator on Independent
Commissioners.
Currently, Bank Sinarmas has 2 (two) members of
Independent Commissioner. Independent Commissioner is a
member of Board of Commissioners who are not a member
of the Bank (does not have affiliation with the company) and
are appointed transparently and independently, have the
integrity and proper competency, free from influence that
relates to personal or other parties’ interests, and able to work
objectively and independently by complying with the gCg
principles.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.366
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Adapun kriteria penentuan Komisaris Independen adalah
sebagai berikut:
a. Tidak memiliki hubungan keuangan, kepengurusan,
kepemilikan saham dan/atau hubungan keluarga dengan
anggota Dewan Komisaris lainnya, Direksi dan/atau
pemegang saham pengendali atau hubungan dengan
Bank Sinarmas yang dapat mempengaruhi kemampuannya
untuk bertindak independen.
b. Tidak bekerja rangkap sebagai Direktur di perusahaan
lainnya yang terafiliasi dengan Bank Sinarmas.
c. Tidak bekerja di Bank Sinarmas atau afiliasinya dalam
kurun waktu 3 (tiga) tahun terakhir.
d. Tidak menjadi pemasok dan pelanggan signifikan atau
menduduki Direktur, Komisaris dan jabatan eksekutif
perusahaan pemasok dan pelanggan signifikan dari Bank
Sinarmas atau perusahaan afiliasinya.
e. Bukan merupakan penasehat profesional Bank Sinarmas
atau perusahaan lainnya yang satu kelompok industri
dengan Bank Sinarmas.
f. Tidak mempunyai keterkaitan (ketergantungan/
keterikatan) finansial, baik langsung maupun tidak
langsung dengan Bank Sinarmas atau perusahaan yang
menyediakan jasa dan produk kepada Bank Sinarmas dan
afiliasinya.
g. Tidak memiliki hubungan kontraktual dengan Bank
Sinarmas atau perusahaan lainnya yang satu kelompok
selain sebagai Komisaris perusahaan tersebut.
h. Bebas dari kepentingan dan aktivitas bisnis atau hubungan
lain yang dapat menghalangi atau mengganggu
kemampuannya untuk berpikir dan/atau bertindak secara
independen.
i. Mantan anggota Direksi atau pejabat eksekutif Bank
Sinarmas atau pihak-pihak yang mempunyai hubungan
dengan Bank Sinarmas, yang telah melewati masa
tunggu atau cooling off selama satu tahun sejak yang
bersangkutan berhenti menjabat, kecuali mantan
Direksi atau pejabat eksekutif yang melakukan fungsi
pengawasan.
Pernyataan tentang Independensi Masing-Masing
Komisaris Independen
Sesuai dengan kriteria PBI No.8/14/2006, Komisaris
Independen tidak memiliki hubungan keuangan,
kepengurusan, kepemilikan saham dan/atau hubungan
keluarga sampai dengan derajat kedua dengan anggota
Dewan Komisaris lainnya, Direksi dan/atau pemegang
saham pengendali atau hubungan dengan Bank yang dapat
mempengaruhi kemampuannya untuk bertindak independen.
The criteria to determine the Independent Commissioner are
as follows:
a. Not having financial, management, share ownership and/
or family relationship with the other members of the Board
of Commissioners, Board of Directors and/or controlling
shareholders or relationship with Bank sinarmas that can
affect its ability to act independently.
b. Not concurrently serving as Director at other companies
affiliated with Bank Sinarmas.
c. Not working at Bank Sinarmas or its affiliates within the
past 3 (three) years.
d. Not a major supplier and customer or serving as Director,
Commissioner, and executive offier at the supplier
company and major customer of Bank Sinarmas and its
affiliates.
e. Not a professional advisor of Bank Sinarmas or other
companies in the similar industry of Bank Sinarmas.
f. Not having financial independency, both directly and
indirectly, with Bank Sinarmas or companies providing
products and services to Bank Sinarmas and its affiliates.
g. Not having contractual relationship with Bank Sinarmas or
other companies in a similar industry as the Commissioner
in the company.
h. Free from the interest and business activities or other
relationships that may hamper or disrupt their ability to
think and/or act independently.
i. Ex-member of the Board of Directors or executive officer of
Bank Sinarmas or other parties that have relationship with
Bank Sinarmas, who have passed the cooling off period
for a year since they stop serving, except ex-Director or
executive officer who conducts supervisory function.
Statement on Independency of Each Independent
commissioner
Pursuant to the criteria of PBI No.8/14/2006, Independent
Commissioner must not have financial, management, share
ownership relationships and/or family relationship until the
second degree with their fellow members of the Board
of Commissioners, Board of Directors, and/or controlling
shareholders or relationshp with the Bank, which can affect
their ability to act independently.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 367
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Tabel independensi masing-masing Komisaris Independen
Nama / Name
Hubungan Keuangan denganFinancial Relationship with
Hubungan Keluarga denganFamily relationship with
Dewan Komisaris /
Board ofCommissioners
Direksi / Board of Directors
Pemegang Saham /
Shareholders
Dewan Komisaris/
Board ofCommissioners
Direksi / Board of Directors
Pemegang Saham /
Shareholders
yes No yes No yes No yes No yes No yes No
Sammy Kristamuljana
x x x x x x
Rusmin x x x x x x
DIREKSIDireksi merupakan organ tata kelola yang berwenang dan
bertanggung jawab penuh atas pengurusan Perseroan untuk
kepentingan Perseroan, sesuai dengan maksud dan tujuan
Perseroan serta mewakili Perseroan, baik di dalam maupun
di luar pengadilan sesuai dengan Anggaran Dasar. Dalam
melaksanakan tugasnya, Direksi bertanggung jawab kepada
RUPS. Pertanggungjawaban Direksi kepada RUPS merupakan
perwujudan akuntabilitas pengelolaan perusahaan sesuai
dengan prinsip-prinsip gCg.
Jumlah, Komposisi, dan Kriteria Direksi
Berdasarkan hasil RUPSLB yang diselenggarakan pada 24
Maret 2015, diputuskan menyetujui pengangkatan Soejanto
Soetjijo dan Frenky Tirtowijoyo Susilo sebagai Direktur
Perseroan. Dengan demikian, jumlah anggota Direksi
Perseroan per 31 Desember 2015 berjumlah 8 (delapan) orang
yang terdiri dari 1 (satu) Direktur Utama, 5 (lima) Direktur,
serta 2 (dua) Direktur Independen.
Tabel susunan Direksi
No Nama / Name Jabatan / Position
Persetujuan / Approval Periode Masa Jabatan / Term
of Office
Domisili / DomicileRUPS / gMS
OJK (d/h) Bank Indonesia
1 Freenyan LiwangDirektur Utama / President Director
13 Juni 2014 (RUPSLB) / June 13, 2014 (EgM)
24 Oktober 2010 / October 24, 2010
15 Juni 2017 (RUPSLB) / June 15, 2017 (EgM)
Indonesia
2Heru Agus Wuryanto
Direktur / Director13 Juni 2014 (RUPSLB) / June 13, 2014 (EgM)
28 Februari 2006 / February 28, 2006
15 Juni 2017 (RUPSLB) / June 15, 2017 (EgM)
Indonesia
3Salis Teguh Hartono
Direktur Independen / Independent Director
13 Juni 2014 (RUPSLB) / June 13, 2014 (EgM)
8 Oktober 2007 / October 8, 2007
15 Juni 2017 (RUPSLB) / June 15, 2017 (EgM)
Indonesia
Table of independency of each Independent Commissioner
BOARD OF DIREcTORSBoard of Directors is the corporate governance organ that is
fully authorized and responsible for managing the Company
based on the Company’s interest and in line with the purposes
and objectives of the Company, and represents the Company,
inside and outside the court according to the Articles of
Association. In performing its duties, the Board of Directors
is reponsible to the gMS. The accountability of the Board
of Directors to the gMS is the evidence of a responsible
management of the Company according to the gCg
principles.
The Number, composition, and criteria of Board of
Directors
Based on EgM results held on March 24, 2015, Mr. Soejanto
Soetjijo and Mr. Frenky Tirtowijoyo Susilo were appointed
as the Company’s Director. Hence, the members of the
Company’s Board of Directors per December 31, 2015
consisted of 8 (eight) people, which was 1 (one) President
Director, 5 (five) Directors, and 2 (two) Independent Directors.
Table of composition of Board of Directors
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.368
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
No Nama / Name Jabatan / Position
Persetujuan / Approval Periode Masa Jabatan / Term
of Office
Domisili / DomicileRUPS / gMS
OJK (d/h) Bank Indonesia
4Loa Johnny Mailoa
Direktur / Director13 Juni 2014 (RUPSLB) / June 13, 2014 (EgM)
14 April 2010 / April 14, 2010
15 Juni 2017 (RUPSLB) / June 15, 2017 (EgM)
Indonesia
5 Halim Direktur / Director13 Juni 2014 (RUPSLB) / June 13, 2014 (EgM)
12 Maret 2012 / March 12, 2012
15 Juni 2017 (RUPSLB) / June 15, 2017 (EgM)
Indonesia
6 Hanafi Himawan
Direktur Independen / Independent Director
13 Juni 2014 (RUPSLB) / June 13, 2014 (EgM)
6 Mei 2013 / May 6, 2013
15 Juni 2017 (RUPSLB) / June 15, 2017 (EgM)
Indonesia
7 Soejanto Soetjijo Direktur / Director24 Maret 2015 (RUPSLB) / March 24, 2015 (EgM)
10 Desember 2014 / December 10, 2014
15 Juni 2017 (RUPSLB) / June 15, 2017 (EgM)
Indonesia
8Frenky Tirtowijoyo Susilo
Direktur / Director24 Maret 2015 (RUPSLB) / March 24, 2015 (EgM)
27 Januari 2015 / January 27, 2015
15 Juni 2017 (RUPSLB) / June 15, 2017 (EgM)
Indonesia
Dengan demikian jumlah, komposisi, dan kriteria Direksi
Perseroan telah sesuai dengan aturan internal maupun
eksternal, antara lain sebagai berikut:
• DireksidiketuaiolehDirekturUtama.
• SeluruhanggotaDireksiberdomisilidiIndonesia.
• AnggotaDireksiberjumlah8(delapan)orang,melebihi
dari jumlah Dewan Komisaris.
• PengangkatanDireksidilakukanatasusulKomite
Remunerasi dan Nominasi sebelum dilakukan persetujuan
dalam RUPS.
• SeluruhanggotaDireksitelahlulusFit and Proper Test
yang dilakukan oleh Bank Indonesia dan Otoritas Jasa
Keuangan.
Tugas dan Tanggung jawab
Berdasarkan ketentuan dalam Anggaran Dasar, keputusan
RUPS, dan hukum yang berlaku di Indonesia khususnya dalam
bidang perbankan, tugas dan tanggung jawab Direksi secara
umum adalah sebagai berikut:
1. Melaksanakan sebaik-baiknya tugas dan tanggung jawab
Direksi sebagaimana diamanatkan dalam peraturan
perundang-undangan;
2. Melaksanakan sebaik-baiknya kewajibannya sebagaimana
diatur dalam Board Manual beserta perubahannya dan
Surat Keputusan Direksi ini beserta perubahannya;
Therefore, the number, composition, and criteria of the
Company’s Board of Directors has met the internal and
external regulations, among others:
• BoardofDirectorsischairedbythePresidentDirector
• AllmembersoftheBoardofDirectorsdomicilein
Indonesia.
• BoardofDirectorsconsistsof8(eight)people,exceeding
the number of the Board of Commissioners.
• AppointmentofBoardofDirectorsisconductedby
considering the recommendation from the Remuneration
and Nomination Committee prior to the approval from the
gMS.
• AllmembersoftheBoardofDirectorshavepassedfit
and proper test conducted by the Bank of Indonesia and
Financial Services Authority.
Duties and Responsibilities
Referring to the provisions of Articles of Association, gMS
decisions and prevailing laws in Indonesia, particularly in the
areas of banking, duties and responsibilities of the Board of
Directors in general are as follows:
1. Carrying out duties and responsibilities as mandated by
the laws and regulations;
2. Carrying out the obligations as set out in the Board
Manual and its amendments and the Decree of the Board
of Directors and its amendments;
Annual Report 2015 | PT. BANK SINARMAS Tbk. 369
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
3. Merumuskan, menyusun, mensosialisasikan, dan
mengevaluasi visi, misi, etos kerja, dan nilai perusahaan;
4. Seluruh kebijakan tertulis Perusahaan baik dalam bentuk
surat keputusan (“SK”) maupun surat edaran (“SE”)
wajib disetujui dan ditandatangani oleh anggota Direksi
sesuai dengan ketentuan internal perseroan beserta
perubahannya;
5. Pengalihan tugas sementara anggota Direksi dapat
dilakukan dengan ketentuan :
a) Apabila Direktur Utama cuti atau berhalangan hadir
maka tugas-tugas Direktur Utama dilaksanakan
secara bersama-sama oleh 2 (dua) orang Direktur
lainnya sebagaimana diatur dalam Anggaran Dasar
Perusahaan;
b) Direktur lainnya sebagaimana dijelaskan dalam huruf
(a) merupakan Direktur Alternate adalah Direktur
yang menerima pengalihan tugas sementara Direktur
dikarenakan cuti/berhalangan hadir oleh sebab apapun
yang tidak perlu dibuktikan kepada pihak ketiga yang
tertuang dalam Surat Keputusan tentang Pedoman
Tata Tertib Direksi;
c) Selain Direktur Alternate juga terdapat piket
harian Direksi yang mana masing-masing Direktur
tertentu harus selalu berada di kantor pada hari-hari
tertentu sesuai dengan jadwal yang telah disepakati
sebagaimana tertuang dalam Surat Keputusan
No.SK.005/2015/PRESDIR-CorSec tentang Pedoman
Tata Tertib Direksi tertanggal 1 April 2015.
6. Direksi wajib menerapkan prinsip-prinsip Good Corporate
Governance sebagaimana diatur dalam Peraturan Bank
Indonesia No. 8/4/PBI/2006 tertanggal 30 Januari 2006
tentang Pelaksanaan Good Corporate Governance jo.
Peraturan Bank Indonesia No. 8/14/PBI/2006 tertanggal
5 Oktober 2006, dalam setiap kegiatan usaha Bank pada
seluruh tingkatan atau jenjang organisasi;
7. Mengoptimalkan pemanfaatan seluruh sumber daya yang
dimiliki secara efektif dan efisien untuk pengembangan
Perusahaan;
8. Membina dan menjaga hubungan baik dengan seluruh
pihak yang terkait dengan Bank (Stakeholders) diantaranya
pemegang saham, Regulator bidang perbankan, Regulator
pasar modal, instansi pemerintah, nasabah, mitra usaha,
masyarakat, dll;
9. Memiliki dan mematuhi pedoman tata tertib kerja dan
pedoman Key Performance Indicator (KPI) sehingga
pelaksanaan tugasnya dapat terarah dan efektif serta
dapat digunakan sebagai salah satu alat penilaian kinerja;
3. Formulating, organizing, disseminating, and evaluating the
vision, mission, work ethos, and the value of the company.
4. The whole written policy of the Company both in the form
of a Decree or Circular Letter shall be approved and signed
by the members of the Board of Directors in accordance
with the internal regulations of the Company and its
amendment.
5. Temporary duty shift for the Board of Directors may be
carried out with the following provisions:
a) If the President Director is on leave or unable to attend,
the duties of the President Director are jointly carried
out by 2 (two) other directors as stipulated in the
Company’s Articles of Association.
b) The other Director, as explained in point (a), is an
alternate director, who accepts the temporary duty
shift due to leave/inability to attend for any causes that
do not have to be proved to third parties contained in
the Decree about Codes of Conduct for the Board of
Directors;
c) In addition to alternate director, there is also a daily
picket for the Board of Directors in which each
particular director should be in office on certain days
according to the agreed schedule as stated in the
Decree No.SK.005/2015/PRESDIR-CorSec on Codes
of Conduct for The Board of Directors dated April 1,
2015.
6. Implementing gCg principles as set out in Bank Indonesia
Regulation No. 8/4/PBI/2006 dated January 30, 2006
regarding gCg Implementation which has been amended
to Bank Indonesia Regulation No. 8/14/PBI/2006 dated
October 5, 2006 in each banking activity at all levels of the
organization;
7. Making the most of the available resources effectively and
efficiently for the development of the Company;
8. Building and maintaining good relations with all parties
related to the Bank (stakeholders), such as shareholders,
banking regulators, capital market regulators,
governmental instances, business partners, the society, etc;
9. Having and complying with the work rules and Key
Performance Indicator (KPI) guidelines to enable a focused
and effective task performance, and to function as a
performance assessment tool;
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.370
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
10. Melaksanakan setiap hasil keputusan rapat dengan
mengacu kepada anggaran dasar dan pedoman tata tertib
kerja Direksi antara lain:
a) Rapat dipimpin oleh Direktur Utama (primus inter
pares), dalam hal Direktur Utama berhalangan hadir
maka dipilih oleh dan dari salah satu anggota Direksi
yang hadir untuk memimpin rapat;
b) Rapat adalah sah dan berhak mengambil keputusan
yang mengikat apabila dihadiri lebih dari ½ (satu per
dua) bagian dari jumlah anggota Direksi hadir atau
diwakili dalam rapat;
c) Dalam hal tidak tercapai musyawarah mufakat,
pengambilan keputusan dilakukan berdasarkan suara
terbanyak, dengan ketentuan jumlah suara paling
sedikit lebih dari ½ (satu per dua) bagian dari jumlah
suara yang dikeluarkan dalam rapat;
d) Apabila pada saat pemungutan suara terbanyak
diperoleh hasil perbandingan yang sama maka hak
suara yang dimiliki pimpinan rapat akan menentukan
hasil keputusan tersebut.
11. Mengatur dan menetapkan struktur organisasi,
pendelegasian wewenang dan uraian tugas yang jelas
bagi setiap pejabat maupun pegawai, baik di kantor pusat
maupun di kantor-kantor cabang;
12. Menyusun dan melaksanakan sistem manajemen risiko
mencakup seluruh aspek kegiatan Perusahaan.
Pembagian Ruang Lingkup Tugas dan Tanggung Jawab
Masing-Masing Anggota Direksi
Berdasarkan Surat Keputusan SK.007a/2015/PRESDIR-CorSec
tertanggal 1 April 2015, ruang lingkup tugas dan tanggung
jawab masing-masing anggota Direksi adalah sebagai berikut:
Freenyan Liwang - Direktur Utama / President Director
1. Koordinator kegiatan Direksi yang secara garis besar
adalah :
a. Mengkoordinasikan seluruh kegiatan Anggota
Direksi guna meningkatkan efisiensi kerja dengan
memperhatikan span of control;
b. Mengkoordinasikan perumusan dan penyusunan
strategi perusahaan baik jangka panjang (Corporate
Plan) maupun jangka menengah/pendek (Rencana
Bisnis Bank (RBB)) serta mengusulkannya guna
mendapatkan persetujuan dari Dewan Komisaris;
10. Carrying out every meeting decision by referring to the
Company’s Articles of Association and Board Charter of
the Board of Directors, inter alia:
a) The meetings are chaired by the President Director
(primus inter pares), in case the President Director
is unable to attend, one member of the Board of
Directors present to lead the meeting.
b) The meetings are legal and have rights to take a
bounding decision if attended by more than ½ (one
half) part of the number of members of the Board of
Directors present or represented in the meeting;
c) In the case of no consensus is reached, decision-
making is done by a majority vote, provided that the
least number of votes more than ½ (one half) of the
total votes cast at the meeting;
d) If the majority vote results the same comparison, the
voting rights owned by the chairman will determine
the outcome of the decision.
11. Managing and establishing the organizational structure,
delegation of authority and clear job descriptions for each
officer or employee, both at the head office and branches.
12. Preparing and implementing a risk management system
covering all aspects of the Company’s activities.
Scope of Duties and Responsibilities of Each Member of
Board of Directors
Based on Decree SK.007a/2015/PRESDIR-CorSec dated 1 April
2015, the scope of duties and responsibilities of each member
of the Board of Directors is as follows:
1. Coordinator of the Board of Directors’ activities, which
generally cover the following:
a. Coordinating all of the Board of Directors members’
activities to improve the working efficiency by paying
attention to the span of control;
b. Coordinating the formulation and preparation of the
Company’s strategis, both long-term (Corporate Plan)
and medium-term/short-term (Business Plan (RBB)) and
proposing it to obtain the approval of the Board of
Commissioners;
Annual Report 2015 | PT. BANK SINARMAS Tbk. 371
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
c. Melaksanakan, mengawasi, dan mengevaluasi jalannya
Corporate Plan & RBB agar sesuai dengan visi, misi,
dan objektif Perusahaan yang telah ditetapkan;
d. Mengkoordinasikan perumusan dan pelaksanaan
strategi program Corporate Social Responsibility yang
menunjang kegiatan bisnis perusahaan;
e. Memiliki kewenangan untuk memutuskan besarnya
gaji atau remunerasi kepada karyawan dan/atau
pejabat eksekutif unit kerja dibawahnya dengan
memperhatikan rekomendasi Direktur Human Capital
(HC).
2. Membawahi langsung unit kerja Audit Intern Work Unit
(Satuan Kerja Audit Intern (SKAI)), global Trade Services/
Financial Institution, Financial Planning & Performance
Management, Corporate Secretary & Legal serta Divisi Anti
Fraud yang secara garis besar adalah:
a. Melaksanakan fungsi pengendalian internal melalui
SKAI;
b. Menetapkan, mengawasi dan mengevaluasi realisasi
rencana audit internal.
c. Melakukan pengembangan terhadap Global Trade
Services/Financial Institution.
d. Menetapkan, mengawasi dan mereview penerapan
kebijakan anti fraud (LED, FDS dan Mantis
Complaint Handling) dalam memitigasi risiko melalui
whistleblower sistem baik serta implementasi Strategi
Anti Fraud;
e. Mengkaji dan mengevaluasi (memastikan) secara
berkala semua kebijakan dan peraturan internal
Bank, selanjutnya memberikan usulan dalam rangka
perbaikan, penyesuaian dan penyempurnaannya;
f. Mengarahkan, mengawasi dan mengelola kegiatan
yang berkaitan dengan fungsi sekretaris perusahaan;
g. Melakukan koordinasi untuk memastikan bahwa
seluruh kewajiban pelaporan perusahaan telah
disampaikan kepada otoritas dan/atau pihak-pihak
yang berkepentingan seperti Bank Indonesia, Otoritas
Jasa Keuangan, Bursa Efek Indonesia, Dewan
Komisaris, Pemegang Saham, dll;
h. Melaporkan pelaksanaan tugas dan tanggung
jawabnya kepada Regulator dengan tembusan kepada
Dewan Komisaris;
i. Mengikuti dan memastikan seluruh ketentuan/
peraturan perundang-undangan yang berlaku,
peraturan yang dikeluarkan oleh Bank Indonesia serta
perjanjian-perjanjian yang pernah dibuat telah dipatuhi
dan dijalankan dengan baik dan benar;
c. Implementing, supervising, and evaluating the
implementation of Corporate Plan & RBB in accordance
with the vision, mission, and objectives of the
Company that have been set;
d. Coordinating the formulation and implementation of
Corporate Social Responsibility strategies that support
the company’s business activities;
e. Having the authority to determine the amount of
salary or remuneration to the employees and/or
executive officers under it by paying attention to
recommendations from the Director of Human Capital.
2. Directly supervising the work units, such as Internal
Audit Unit, global Trade Services, Financial Planning &
Controlling, Strategic & Performance Management, as well
as the Regional Manager and Thamrin Branch Manager,
the activities of which are generally as follows:
a. a. Carrying out internal control functions through the
Internal Audit Unit;
b. Establishing, monitoring and evaluating the realization
of the internal audit plan;
c. Conducting the development of global Trade Services/
Financial Institution;
d. Establishing, supervising and reviewing the
implementation of anti-fraud policies (LED, FDS,
and Mantis Complaint Handling) in mitigating risks
through whistleblower system and anti-fraud strategy
implementation;
e. Routinely assessing and evaluating (ensuring) all
internal policies and rules of the Bank, subsequently
providing proposals for its improvement, adjustment,
and perfecting;
f. Directing, supervising, and managing activities related
to the functions of a Corporate Secretary;
g. Carrying out coordination to ensure that the
Company’s reporting obligation has been submitted to
the authorities and/or interested parties such as Bank
Indonesia, the Financial Services Authority, Indonesia
Stock Exchange, the Board of Commissioners,
Shareholders, etc;
h. Reporting its implementation of duties and
responsibilities to regulators with a copy to the Board
of Commissioners;
i. Following and ensuring all prevailing provisions/
legislations, regulations issued by Bank Indonesia, and
other agreements that have been made are complied
and practiced properly;
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.372
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
j. Melakukan pengawasan atas bidang hukum
yang meliputi pendapat hukum yang dikeluarkan,
permasalahan hukum perusahaan, dokumen-dokumen
tertulis atau perjanjian yang terkait dengan Perseroan;
k. Melakukan pengawasan dan evaluasi terhadap kinerja
unit kerja dibawahnya.
Heru Agus wuryanto - Direktur Syariah / Sharia Director
1. Ruang lingkup tugas dan tanggung jawabnya meliputi:
a. Bersama-sama anggota Direksi lainnya meningkatkan
efisiensi kerja dengan memperhatikan span of control.
b. Bersama-sama anggota Direksi lainnya dan
penyusunan strategi perusahaan baik jangka panjang
(Corporate Plan) maupun jangka menengah/pendek
(Rencana Bisnis Bank (RBB)) serta mengusulkannya
guna mendapatkan persetujuan dari Dewan Komisaris.
c. Melaksanakan, mengawasi, dan mengevaluasi jalannya
Corporate Plan & RBB agar sesuai dengan visi, misi,
dan objektif Perusahaan yang telah ditetapkan.
d. Bersama-sama anggota Direksi lainnya perumusan
dan pelaksanaan strategi program Corporate Social
Responsibility yang menunjang kegiatan bisnis
perusahaan.
e. Memiliki hak untuk merekomendasikan besarnya gaji
atau remunerasi kepada karyawan dan/atau pejabat
eksekutif unit kerja dibawahnya dengan persetujuan
Direktur Human Capital (HC) dan Direktur Utama.
2. Membawahi langsung Unit Usaha Syariah yang secara
garis besar adalah:
a. Mengatur dan mengawasi seluruh kegiatan Kantor
Cabang (KC) syariah.
b. Mengawasi dan memastikan pelaksanaan fungsi
Treasury dalam rangka pengeloalaan dan penempatan
dana yang bersumber dari KC Syariah.
c. Mengawasi dan memastikan penyusunan Laporan
Keuangan Konsolidasi dari KC Syariah.
d. Menetapkan, mengawasi, dan mengevaluasi secara
berkala terhadap mekanisme penghimpunan dan
penyaluran dana serta pelayanan jasa Bank sesuai
dengan Prinsip Syariah.
e. Bertanggung jawab terhadap pemenuhan Prinsip
Syariah dalam hal operasional dan produk yang
dikeluarkan;
j. Conducting legal supervision that covers legal opinions
issued, legal problems of the Company, written
documents or agreements related to the Company;
k. Conducting supervision and evaluation on the
performance of working units below it.
.
1. The scope of its duties and responsibilities includes:
a. Along with the other members of the Board of
Directors, improving work efficiency by paying
attention to the span of control.
b. Along with the other members of the Board of
Directors, preparing the Company’s strategies, both
long-term (Corporate Plan) and medium-term/short-
term (Business Plan (RBB)) and proposing it to obtain
the approval of the Board of Commissioners;
c. Implementing, monitoring, and evaluating the
implementation of Corporate Plan & RBB in accordance
with the vision, mission, and objectives of the
Company that have been set;
d. Along with the other members of the Board of
Directors, formulating and implementing the
Corporate Social Responsibility strategies that support
the company’s business activities;
e. Having the authority to determine the amount of salary
or remuneration to the employees and/or executive
officers under it by approval of the Director of Human
Capital and the President Director.
2. Directly supervising Sharia Business Unit, the activities of
which are generally as follows:
a. Coordinating and monitoring all activities of sharia
branch offices.
b. Supervising and ensuring the implementation of
Treasury function in the management and fund
placement derived from Sharia branch offices.
c. Supervising and ensuring the preparation of the
Consolidated Financial Statements of Sharia branch
offices.
d. Establishing, supervising, and evaluating periodically
the mechanism of collection and distribution of funds
and bank services in accordance with Sharia principles.
e. Responsible for compliance with Sharia principles in its
operations and products issued.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 373
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
f. Mengawasi penerbitan Surat Edaran nisbah bagi hasil
setiap bulannya.
g. Mengikuti rapat koordinasi dengan Asset & Liabilities
Committee (ALCO) Syariah setiap bulan.
h. Melakukan pengawasan dan evaluasi terhadap kinerja
unit kerja di bawahnya.
Salis Teguh Hartono - Direktur compliance / Compliance Director
1. Ruang lingkup tugas dan tanggung jawabnya meliputi:
a. Bersama-sama anggota Direksi lainnya meningkatkan
efisiensi kerja dengan memperhatikan span of control.
b. Bersama-sama anggota Direksi lainnya dan
penyusunan strategi perusahaan baik jangka panjang
(Corporate Plan) maupun jangka menengah/pendek
(RBB) serta mengusulkannya guna mendapatkan
persetujuan dari Dewan Komisaris.
c. Melaksanakan, mengawasi, dan mengevaluasi jalannya
Corporate Plan & RBB agar sesuai dengan visi, misi,
dan objektif Perusahaan yang telah ditetapkan.
d. Bersama-sama anggota Direksi lainnya perumusan
dan pelaksanaan strategi program Corporate Social
Responsibility yang menunjang kegiatan bisnis
perusahaan;
e. Memiliki hak untuk merekomendasikan besarnya gaji
atau remunerasi kepada karyawan dan/atau pejabat
eksekutif unit kerja dibawahnya dengan persetujuan
Direktur Human Capital (HC) dan Direktur Utama.
2. Membawahi langsung unit kerja Compliance dan unit
kerja UKPN yang secara garis besar adalah:
a. Merumuskan strategi guna mendorong terciptanya
budaya kepatuhan Bank;
b. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip
kepatuhan yang akan ditetapkan oleh Direksi;
c. Menetapkan sistem dan prosedur kepatuhan yang
akan digunakan untuk menyusun ketentuan dan
pedoman internal Bank;
d. Memastikan bahwa seluruh kebijakan, ketentuan
sistem dan prosedur serta kegiatan usaha yang
dilakukan Bank telah sesuai dengan ketentuan
regulator dan perundang-undangan yang berlaku
termasuk prinsip syariah bagi Unit Usaha Syariah;
f. Supervising the issuance of Circular Letter on profit
sharing every month.
g. Attending a coordination meeting with the Sharia
Assets & Liabilities Committee (ALCO) every month;
h. Monitoring and evaluating the performance of work
units under it.
1. The scope of its duties and responsibilities includes:
a. Along with the other members of the Board of
Directors, improving work efficiency by paying
attention to the span of control.
b. Along with the other members of the Board of
Directors, preparing the Company’s strategies, both
long-term (Corporate Plan) and medium-term/short-
term (RBB) and proposing it to obtain the approval of
the Board of Commissioners;
c. Implementing, monitoring, and evaluating the
implementation of Corporate Plan & RBB in accordance
with the vision, mission, and objectives of the
Company that have been set;
d. Along with the other members of the Board of
Directors, formulating and implementing the
Corporate Social Responsibility strategies that support
the company’s business activities;
e. Having the authority to determine the amount of salary
or remuneration to the employees and/or executive
officers under it by approval of the Director of Human
Capital and the President Director.
2. Directly supervising the Compliance and UKPN work units
which are generally as follows:
a. Formulating strategies to encourage compliance with
the Bank’s culture;
b. Proposing compliance policy or principles that will be
determined by the Board of Directors;
c. Determining compliance system and procedure that
will be used to develop provisions and guidelines of the
Bank’s internal guidelines;
d. Ensuring that all policies, provisions of system and
procedure as well as business activities conducted by
the Bank has been in line with the provision of the
regulator and laws and regulations in force, including
sharia principles for Sharia Business Unit;
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.374
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
e. Meminimalkan risiko kepatuhan Bank;
f. Melakukan tindakan pencegahan agar kebijakan
dan/atau keputusan yang diambil Direksi Bank tidak
menyimpang dari ketentuan regulator dan peraturan
perundang-undangan yang berlaku;
g. Melakukan pengawasan dan evaluasi terhadap kinerja
unit kerja di bawahnya.
Loa Johnny Mailoa - Direktur Enterprise Banking / Enterprise Banking Director
1. Ruang lingkup tugas dan tanggung jawabnya meliputi:
a. Bersama-sama anggota Direksi lainnya meningkatkan
efisiensi kerja dengan memperhatikan span of control.
b. Bersama-sama anggota Direksi lainnya dan
penyusunan strategi perusahaan baik jangka panjang
(Corporate Plan) maupun jangka menengah/pendek
RBB) serta mengusulkannya guna mendapatkan
persetujuan dari Dewan Komisaris.
c. Melaksanakan, mengawasi, dan mengevaluasi jalannya
Corporate Plan & RBB agar sesuai dengan visi, misi,
dan objektif Perusahaan yang telah ditetapkan;
d. Bersama-sama Anggota Direksi lainnya perumusan
dan pelaksanaan strategi program Corporate Social
Responsibility yang menunjang kegiatan bisnis
perusahaan;
e. Memiliki hak untuk merekomendasikan besarnya gaji
atau remunerasi kepada karyawan dan/atau pejabat
eksekutif unit kerja dibawahnya dengan persetujuan
Direktur Human Capital (HC) dan Direktur Utama.
2. Membawahi langsung unit kerja Treasury, Corporate Retail
Acquisition, dan Credit Analyst yang secara garis besar
adalah:
a. Bertanggung jawab atas budget dan target profit
Treasury;
b. Mengawasi Fixed Income Trading Desk (Bond Trading);
c. Mengawasi Derivative dan Struktur Product Desk
(Investment Portfolio);
d. Bertanggung jawab atas pengawasan pelaksanaan
settlement di Treasury dan laporan-laporannya;
e. Menetapkan, mengawasi, dan mengevaluasi strategi
peningkatan volume transaksi jual beli valuta asing;
e. Minimizing Bank’s compliance risk;
f. Performing prevention action so that the policy and/
or decision taken by the Bank’s Board of Directors does
not deviate from the provision of the regulator and the
applicable laws and regulations;
g. Supervising and evaluating the performance of the
work unit under it.
1. The scope of its duties and responsibilities includes:
a. Along with the other members of the Board of
Directors, improving work efficiency by paying
attention to the span of control.
b. Along with the other members of the Board of
Directors, preparing the Company’s strategies, both
long-term (Corporate Plan) and medium-term/short-
term (RBB) and proposing it to obtain the approval of
the Board of Commissioners;
c. Implementing, monitoring, and evaluating the
implementation of Corporate Plan & RBB in accordance
with the vision, mission, and objectives of the
Company that have been set;
d. Along with the other members of the Board of
Directors, formulating and implementing the
Corporate Social Responsibility strategies that support
the company’s business activities;
e. Having the authority to determine the amount of salary
or remuneration to the employees and/or executive
officers under it with approval of the Director of
Human Capital and the President Director.
2. Directly supervising work units such as Treasury, Corporate
Retail Acquisition, and Credit Analyst, the activities of
which are generally as follows:
a. Responsible for budget and profit targets of Treasury;
b. Supervising Fixed Income Trading Desk (Bond Trading);
c. Supervising Derivatives and Product Desk Structure
(Investment Portfolio);
d. Responsible for supervising the implementation of
settlement in the Treasury and its reports;
e. Establishing, supervising, and evaluating the strategy
of increasing the volume of buying and selling foreign
currencies;
Annual Report 2015 | PT. BANK SINARMAS Tbk. 375
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
f. Bertanggung jawab terhadap pengelolaan perkreditan
Bank secara keseluruhan yang meliputi penetapan
kebijakan, strategi dan pengelolaan administrasi dan
pengawasan kredit;
g. Menyetujui penyediaan fasilitas kredit dan fasilitas non
kredit sebagaimana diatur dalam Surat Keputusan
Direksi tentang Batas dan Wewenang Memutus Kredit;
h. Merencanakan, mengembangkan, mengendalikan
dan melakukan langkah-langkah perbaikan atas
berbagai kelemahan maupun penyimpangan kegiatan
perkreditan;
i. Menetapkan strategi, mengawasi, dan mengevaluasi
pengendalian Non Performing Loan (NPL);
j. Melakukan pengawasan dan evaluasi terhadap kinerja
unit kerja dibawahnya.
Halim - Direktur Operasional / Director of Operations
1. Ruang lingkup tugas dan tanggung jawabnya meliputi:
a. Bersama-sama Anggota Direksi lainnya meningkatkan
efisiensi kerja dengan memperhatikan span of control;
b. Bersama-sama anggota Direksi lainnya dan
penyusunan strategi perusahaan baik jangka panjang
(Corporate Plan) maupun jangka menengah/pendek
RBB serta mengusulkannya guna mendapatkan
persetujuan dari Dewan Komisaris;
c. Melaksanakan, mengawasi, dan mengevaluasi jalannya
Corporate Plan & RBB agar sesuai dengan visi, misi,
dan objektif Perusahaan yang telah ditetapkan;
d. Bersama-sama anggota Direksi lainnya perumusan
dan pelaksanaan strategi program Corporate Social
Responsibility yang menunjang kegiatan bisnis
perusahaan;
e. Memiliki hak untuk merekomendasikan besarnya gaji
atau remunerasi kepada karyawan dan/atau pejabat
eksekutif unit kerja dibawahnya dengan persetujuan
Direktur Human Capital (HC) dan Direktur Utama.
2. Membawahi langsung unit kerja Liabilities Product
Development, Wealth Management, Bancassurance
& Agency, Loan Recovery dan Capital Market Service
Department yang secara garis besar adalah:
a. Melakukan pengawasan atau memastikan bahwa
koordinasi antara pihak internal maupun eksternal
terkait pengembangan produk;
f. Responsible for the overall management of the Bank’s
credit that includes the establishment of policies,
strategies and administrative management and credit
control;
g. Approving the provision of credit facilities and non-
credit facilities as stipulated in the Decree of the Board
of Directors on Limit and Authority to Cancel Credit;
h. Planning, developing, controlling and conducting
corrective actions to improve various weaknesses and
violation in lending activities;
i. Establishing strategies, supervising, and evaluating the
control of non-performing loan (NPL);
j. Supervising and evaluating the performance of the
work unit under it.
1. The scope of its duties and responsibilities includes:
a. Along with the other members of the Board of
Directors, improving work efficiency by paying
attention to the span of control.
b. Along with the other members of the Board of
Directors, preparing the Company’s strategies, both
long-term (Corporate Plan) and medium-term/short-
term RBB and proposing it to obtain the approval of
the Board of Commissioners;
c. Implementing, monitoring, and evaluating the
implementation of Corporate Plan & RBB in accordance
with the vision, mission, and objectives of the
Company that have been set;
d. Along with the other members of the Board of
Directors, formulating and implementing the
Corporate Social Responsibility strategies that support
the company’s business activities;
e. Having the authority to determine the amount of salary
or remuneration to the employees and/or executive
officers under it by approval of the Director of Human
Capital and the President Director.
2. Directly supervising work units such as Liabilities Product
Development, Wealth Management, Bancassurance
& Agency, Loan Recovery, and Capital Market Service
Department which are generally as follows:
a. Supervising or ensuring coordination between internal
and external parties regarding product development;
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.376
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
b. Memberikan arahan strategis dalam bidang pemasaran
dan pengembangan produk;
c. Bertanggung jawab dalam pengembangan produk
perbankan yang kompetitif dan inovatif dengan
mencapai sasaran profit yang ditetapkan perseroan;
d. Bertanggung jawab atas pendapatan fee based
income;
e. Melakukan pengawasan dan evaluasi terhadap kinerja
unit kerja dibawahnya;
f. Bertanggung jawab atas penerimaan dan penyerahan
efek, penyimpanan dan pengamanan efek,
penerimaan hak nasabah yang melekat pada efek,
serta penadministrasian yang berkaitan dengan
kepemilikan efek;
g. Bertanggung jawab terhadap surat hutang serta
memantau pelaksanaan kewajiban emiten sesuai
perjanjian;
h. bertanggung jawab terhadap penanganan kredit
bermasalah.
Hanafi Himawan - Direktur Risk Management & Human capital / Risk Management & Human Capital Director
1. Ruang lingkup tugas dan tanggung jawabnya meliputi:
a. Bersama-sama anggota Direksi lainnya meningkatkan
efisiensi kerja dengan memperhatikan span of control.
b. Bersama-sama anggota Direksi lainnya dan
penyusunan strategi perusahaan baik jangka panjang
(Corporate Plan) maupun jangka menengah/pendek
RBB serta mengusulkannya guna mendapatkan
persetujuan dari Dewan Komisaris.
c. Melaksanakan, mengawasi, dan mengevaluasi jalannya
Corporate Plan & RBB agar sesuai dengan visi, misi,
dan objektif Perusahaan yang telah ditetapkan.
d. Bersama-sama anggota Direksi lainnya perumusan
dan pelaksanaan strategi program Corporate Social
Responsibility yang menunjang kegiatan bisnis
perusahaan.
e. Memiliki hak untuk merekomendasikan besarnya gaji
atau remunerasi kepada karyawan dan/atau pejabat
eksekutif unit kerja dibawahnya dengan persetujuan
Direktur Human Capital (HC) dan Direktur Utama.
b. Providing strategic directives in marketing and product
development;
c. Being responsible in competitive and innovative
development of banking products by achieving profit
target determined by the Company;
d. Being responsible on fee based income;
e. Supervising and evaluating the performance of
working units under it;
f. Being responsible on receipt and submission
of securities, storage and security of securities,
acceptance of customers’ right attached to securities,
and administration related to securities ownership;
g. Being responsible on payables’ securities and
monitoring the implementation of issuers’ obligations
in accordance with the agreement;
h. Being responsible for handling problem loans.
1. The scope of its duties and responsibilities includes:
a. Along with the other members of the Board of
Directors, improving work efficiency by paying
attention to the span of control.
b. Along with the other members of the Board of
Directors, preparing the Company’s strategies, both
long-term (Corporate Plan) and medium-term/short-
term RBB and proposing it to obtain the approval of
the Board of Commissioners;
c. Implementing, monitoring, and evaluating the
implementation of Corporate Plan & RBB in accordance
with the vision, mission, and objectives of the
Company that have been set;
d. Along with the other members of the Board of
Directors, formulating and implementing the
Corporate Social Responsibility strategies that support
the company’s business activities;
e. Having the authority to determine the amount of salary
or remuneration to the employees and/or executive
officers under it by the approval of the Director of
Human Capital and the President Director.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 377
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
2. Membawahi langsung unit kerja Risk Management,
Human Capital Recruitment & Administration Support,
Human Capital System & Strategic dan General Affairs
yang secara garis besar adalah:
a. Menetapkan, mengawasi, dan mengevaluasi kebijakan
manajemen risiko dan implikasinya bagi perseroan;
b. Menerapkan manajemen risiko dengan baik
melalui Komite Manajemen Risiko dan Satuan Kerja
Manajemen Risiko (SKMR);
c. Memastikan bahwa fungsi Manajemen Risiko telah
diterapkan secara independen;
d. Menetapkan, mengawasi, dan memastikan
terlaksananya hubungan industrial secara tepat,
benar dan akurat sesuai ketentuan ketenagakerjaan,
peraturan & kebijakan perusahaan, serta best practice
yang berlaku;
e. Mengarahkan, menetapkan, dan mengawasi kegiatan
pengembangan sumber daya manusia (Human
Capital);
f. Mengawasi dan memastikan seluruh aset tetap dan
bergerak sebagaimana telah diadministrasikan oleh
unit kerja terkait;
g. Mengawasi dan memastikan persiapan gedung/
ruangan dan perlengkapan lainnya bagi cabang/unit
kerja KPNO termasuk pemeliharaan dan perbaikan
gedung;
h. Mengawasi kegiatan koordinasi dalam pengurusan
perijinan pada kantor pemerintah daerah, kecamatan,
kelurahan, kabupaten dan/atau instansi atau pihak
ketiga lainnya.
i. Melakukan pengawasan dan evaluasi terhadap kinerja
unit kerja dibawahnya.
Soejanto Soetjijo - Direktur Retail Banking / Retail Banking Director
1. Ruang lingkup tugas dan tanggung jawabnya meliputi:
a. Bersama-sama Anggota Direksi lainnya meningkatkan
efisiensi kerja dengan memperhatikan span of control.
b. Bersama-sama anggota Direksi lainnya dan
penyusunan strategi perusahaan baik jangka panjang
(Corporate Plan) maupun jangka menengah/pendek
RBB serta mengusulkannya guna mendapatkan
persetujuan dari Dewan Komisaris.
2. Directly supervising work units such as Risk Management,
Human Capital Recruitment & Administration Support,
Human Capital System & Strategic and general Affairs, the
activities of which are generally as follows:
a. Establishing, supervising, and evaluating the risk
management policy and its implications for the
company;
b. Implementing risk management through the Risk
Management Committee and Risk Management Unit;
c. Ensuring that the risk management function has been
implemented independently;
d Establishing, supervising and ensuring the appropriate,
proper, and accurate implementation of industrial
relations in accordance with the prevailing manpower
regulations, corporate rules and polices, and the
prevailing best practices;
e. Directing, establishing, and supervising the activities of
Human Capital development;
f. Supervising and ensuring good condition of all fixed
and mobile assets, as administered by the related work
units;
g. Ensuring the good condition of buildings/rooms and
other supplies for the branch offices/KPNO work unit,
including building maintenance and renovation.
h. Supervising the coordination activities of permit
application to the local government, local agency at
the district, sub-district, regency, and/or other agencies
or third parties;
i. Supervising and evaluating the performance of work
units under it.
1. The scope of its duties and responsibilities includes:
a. Along with the other members of the Board of
Directors, improving work efficiency by paying
attention to the span of control.
b. Along with the other members of the Board of
Directors, preparing the Company’s strategies, both
long-term (Corporate Plan) and medium-term/short-
term RBB and proposing it to obtain the approval of
the Board of Commissioners;
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.378
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
c. Melaksanakan, mengawasi, dan mengevaluasi jalannya
Corporate Plan & RBB agar sesuai dengan visi, misi,
dan objektif Perusahaan yang telah ditetapkan.
d. Bersama-sama anggota Direksi lainnya perumusan
dan pelaksanaan strategi program Corporate Social
Responsibility yang menunjang kegiatan bisnis
perusahaan.
e. Memiliki hak untuk merekomendasikan besarnya gaji
atau remunerasi kepada karyawan dan/atau pejabat
eksekutif unit kerja dibawahnya dengan persetujuan
Direktur Human Capital (HC) dan Direktur Utama.
2. Membawahi langsung unit kerja Retail Business, Sales &
Distribution, Micro Small Business, Card Center, Digital
Banking serta Branch Network Development yang secara
garis besar adalah:
a. Bertanggung jawab terhadap pelaksanaan Sales &
Distribution pada Kantor-Kantor Cabang;
b. Merancang strategi Sales & Distribution guna
meningkatkan performance dan pencapaian target
pada Kantor-Kantor cabang;
c. Melakukan perekrutan, pembinaan, dan pengadaan
Credit Card & Merchant Business;
d. Melakukan pengawasan dan mengarahkan kegiatan
operasional kartu kredit;
e. Mengawasi dan mengarahkan akuisisi kartu kredit
melalui marketing channel;
f. Menetapkan dan mengawasi strategi pendeteksian dini
untuk meminimalisir penipuan kartu kredit;
g. Melakukan perekrutan, pembinaan, dan pengadaan
Credit Card & Merchant Business;
h. Bertanggung jawab atas pendapatan fee based
income;
i. Bertanggung jawab dalam pelaksanaan dan pengajuan
izin pembukaan jaringan kantor berdasarkan dengan
rencana kerja manajemen maupun dengan Peraturan
Otoritas Jasa Keuangan;
j. Melakukan pengawasan dan evaluasi terhadap kinerja
unit kerja dibawahnya.
c. Implementing, monitoring, and evaluating the
implementation of Corporate Plan & RBB in accordance
with the vision, mission, and objectives of the
Company that have been set;
d. Along with the other members of the Board of
Directors, formulating and implementing the
Corporate Social Responsibility strategies that support
the company’s business activities;
e. Having the authority to determine the amount of salary
or remuneration to the employees and/or executive
officers under it by the approval of the Director of
Human Capital and the President Director.
2. Directly supervising work units such as Retail Business,
Sales & Distribution, Micro Small Business, Card Center,
Digital Banking and Branch Network Development which
are generally as follows:
a. Being responsible to sales and distribution in branch
offices;
b. Designing sales and distribution strategy to improve
performance and target achievement of branch offices;
c. Recruiting, training, and provision of credit card and
merchant business;
d. Supervising and directing operational activities of credit
cards;
e. Supervising and directing acquisition of credit card
through marketing channel;
f. Determining and supervising early detection strategy to
minimize credit card frauds;
g. Recruiting, training, and provision of credit card and
merchant business;
h. Being responsible on fee based income;
i. Being responsible for the implementation and filing
of the license for opening a network of offices in
accordance with the management’s work plan and
Regulation of Financial Services Authority;
j. Supervising and evaluating the performance of work
units under it.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 379
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Frenky Tirtowijoyo Susilo - Direktur Operasional dan Teknologi Informasi / Operational & Information Technology Director
1. Ruang lingkup tugas dan tanggung jawabnya meliputi:
a. Bersama-sama Anggota Direksi lainnya meningkatkan
efisiensi kerja dengan memperhatikan span of control.
b. Bersama-sama anggota Direksi lainnya dan
penyusunan strategi perusahaan baik jangka panjang
(Corporate Plan) maupun jangka menengah/pendek
(Rencana Bisnis Bank (RBB)) serta mengusulkannya
guna mendapatkan persetujuan dari Dewan Komisaris.
c. Melaksanakan, mengawasi, dan mengevaluasi jalannya
Corporate Plan & RBB agar sesuai dengan visi, misi,
dan objektif Perusahaan yang telah ditetapkan.
d. Bersama-sama Anggota Direksi lainnya perumusan
dan pelaksanaan strategi program Corporate Social
Responsibility yang menunjang kegiatan bisnis
perusahaan.
e. Memiliki hak untuk merekomendasikan besarnya gaji
atau remunerasi kepada karyawan dan/atau pejabat
eksekutif unit kerja dibawahnya dengan persetujuan
Direktur Human Capital (HC) dan Direktur Utama.
2. Membawahi langsung unit kerja Information Technology,
Operations, Accounting, Electronic Channel Operations,
Credit Administration & Control, Business Continuity
Management serta Procurement yang secara garis besar
adalah :
a. Menetapkan, mengawasi dan mengevaluasi realisasi
rencana pengembangan jaringan teknologi informasi;
b. Menetapkan kebijakan dan prosedur terkait
penyelenggaraan teknologi informasi yang memadai
dan mensosialisasikannya secara efektif, baik pada
satuan kerja penyelenggara maupun pengguna
teknologi informasi yang bersangkutan;
c. Merencanakan, mengarahkan dan mengkoordinasikan
kegiatan Service Quality serta mendukung terciptanya
efisiensi dan efektivitas Service Quality;
d. Menetapkan dan mengawasi penerapan kebijakan
yang terkait dengan efisiensi;
e. Memberikan tanggapan dan tindak lanjut hasil
pemeriksaan intern (SKAI) dan ekstern (Otoritas Jasa
Keuangan dan Akuntan Publik) terhadap sistem
informasi keuangan;
1. The scope of its duties and responsibilities includes:
a. Along with the other members of the Board of
Directors, improving work efficiency by paying
attention to the span of control.
b. Along with the other members of the Board of
Directors, preparing the Company’s strategies, both
long-term (Corporate Plan) and medium-term/short-
term (Business Plan (RBB)) and proposing it to obtain
the approval of the Board of Commissioners;
c. Implementing, monitoring, and evaluating the
implementation of Corporate Plan & RBB in accordance
with the vision, mission, and objectives of the
Company that have been set;
d. Along with the other members of the Board of
Directors, formulating and implementing the
Corporate Social Responsibility strategies that support
the company’s business activities;
e. Having the authority to determine the amount of salary
or remuneration to the employees and/or executive
officers under it by the approval of the Director of
Human Capital and the President Director.
2. Directly supervising work units such as Information
Technology, Operations, Accounting, Electronic Channel
Operations, Credit Administration & Control, Business
Continuity Management and Procurement which are
generally as follows:
a. Establishing, monitoring and evaluating the realization
of development plan of information technology
networks;
b. Establishing policies and procedures related to the
implementation of adequate information technology
and disseminating effectively, both in providers’
working unit and users of information technology
concerned;
c. Planning, directing and coordinating the Service
Quality activities and support the establishment of
efficiency and effectiveness of Service Quality;
d. Establishing and supervising the implementation of
policies related to efficiency;
e. Providing opinion and follow-ups on internal (SKAI)
and external (Financial Services Authority and Public
Accountant) examination on the financial information
system;
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.380
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
f. Bertanggung jawab terhadap kegiatan operasional
Bank, baik di Kantor Pusat maupun di Kantor Cabang
yang telah berjalan dengan baik dan lancar, taat azas,
akurat, sesuai kebijakan dan ketentuan yang telah
ditetapkan serta peraturan perundang-undangan yang
berlaku di Indonesia;
g. Bertanggung jawab terhadap pelaksanaan pembayaran
pajak kendaraan bermotor, reklame, tanah dan
bangunan secara tepat waktu;
h. Melakukan pembinaan dan mengawasi seluruh
kegiatan Loan Administration di Kantor Cabang,
guna memastikan telah dikelolanya administrasi kredit
cabang sesuai dengan prosedur/ketentuan Bank;
i. Melakukan pembinaan terhadap Loan Administration
Kantor Cabang dalam melakukan pengawasan
dokumen perpanjangan kredit, jaminan dan asuransi
yang akan jatuh tempo;
j. Memastikan pelayanan nasabah berjalan sesuai
ketentuan dan prosedur yang berlaku;
k. Melakukan pengawasan dan evaluasi terhadap kinerja
unit kerja dibawahnya.
l. Bertanggung jawab terhadap proses perencanaan
pengadaan dan pemilihan supplier yang terkait IT
Independensi dan Hubungan Afiliasi Direksi
Independensi dan transparansi Direksi Bank Sinarmas atas
hubungan afiliasi merupakan salah satu faktor penting
yang senatiasa dijaga untuk kepentingan Bank Sinarmas
agar terhindar dari konflik kepentingan. Untuk menjaga
independensi tersebut, seluruh anggota Direksi yang menjabat
di Bank Sinarmas diharuskan untuk tidak memiliki hubungan
keuangan, keluarga (sampai derajat ke dua vertikal maupun
horizontal) dengan anggota Dewan Komisaris, anggota Direksi
lainnya, dan/atau pemegang saham pengendali.
Tabel hubungan afiliasi Direksi
Nama / Name
Hubungan Keuangan denganFinancial Relationship with
Hubungan Keluarga denganFamily relationship with
Dewan Komisaris /
Board ofCommissioners
Direksi / Board of Directors
Pemegang Saham /
Shareholders
Dewan Komisaris/
Board ofCommissioners
Direksi / Board of Directors
Pemegang Saham /
Shareholders
yes No yes No yes No yes No yes No yes No
Freenyan Liwang
x x x x x x
Heru Agus Wuryanto
x x x x x x
f. Being responsible to the Bank’s operational activities,
both in the Headquarter or branch offices that have
run well and smoothly, obeying principles, accurate,
and in accordance with the determined policies
and provisions as well as applicable legislations in
Indonesia;
g. Being responsible to payment of motor vehicles,
billboards, lands and buildings in a timely manner;
h. Providing guidance and supervising all Loan
Administration activities in Branch Offices in order
to ensure that branch credit administration has been
conducted in accordance with procedures/provisions of
the Bank;
i. Providing guidance on Branch Office Loan
Administration in supervising credit extension
documents, guarantees and insurance that will be due;
j. Ensuring the customer service to run in accordance
with prevailing provisions and procedures;
k. Conducting supervision and evaluation on the
performance of working units under it.
l. Being responsible to the process of procurement
planning and selection of IT-related suppliers.
Affiliation of Board of Directors
Independency and transparency of Bank Sinarmas’ Board of
Directors is one of the key factors that must be maintained
for the benefit of the Company in order to prevent conflict of
interest. To maintain the independency, all members of the
Board of Directors of Bank Sinarmas must not have a financial,
family (to the second degree, both vertically and horizontally)
relationship with the members of the Board of Commissioners,
Board of Directors, and/or controlling shareholders.
Table of affiliation of Board of Directors
Annual Report 2015 | PT. BANK SINARMAS Tbk. 381
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Nama / Name
Hubungan Keuangan denganFinancial Relationship with
Hubungan Keluarga denganFamily relationship with
Dewan Komisaris /
Board ofCommissioners
Direksi / Board of Directors
Pemegang Saham /
Shareholders
Dewan Komisaris/
Board ofCommissioners
Direksi / Board of Directors
Pemegang Saham /
Shareholders
yes No yes No yes No yes No yes No yes No
Salis Teguh Hartono
x x x x x x
Loa Johnny Mailoa
x x x x x x
Halim x x x x x x
Hanafi Himawan
x x x x x x
Soejanto Soetjijo
x x x x x x
Frenky Tirtowijoyo Susilo
x x x x x x
Per tanggal 31 Desember 2015, jumlah total kepemilikan
saham oleh anggota Direksi 4.461.875 atau 0,0315% dari
seluruh jumlah saham di Bank Sinarmas.
Tabel informasi kepemilikan saham Direksi
Nama / Name Jabatan / Position
Kepemilikan Saham / Share Ownership
Jumlah Saham / Number of Shares
Presentase Kepemilikan / Ownership Percentage
Freenyan Liwang Direktur utama / President Director 4.021.875 0,0284%
Halim Direktur / Director 440.000 0,0031%
Pedoman dan Tata Tertib Kerja Direksi
Pedoman dan Tata Tertib Kerja Direksi ditetapkan melalui
Surat Keputusan No. SK.005/2015/PRESDIR-CorSec
tertanggal 1 April 2015 yang secara garis besar mengatur
tentang hari, jam kerja, cuti dan izin Direksi serta ketentuan
penyelenggaraan dan pengambilan keputusan rapat, kode
etik, dan peningkatan kompetensi Direksi.
Frekuensi, Tingkat Kehadiran, dan Rekap Absensi Rapat
Direksi
Sepanjang 2015, Direksi telah menyelenggarakan rapat
sebanyak 32 kali yang dipimpin oleh Direktur Utama atau
anggota Direksi lainnya dalam hal Direktur Utama berhalangan
As of December 31, 2015, share ownership of members of
the Board of Directors totaled 0.0315% or equal to 4,461,875
shares of all total shares at Bank Sinarmas.
Table of information on share ownership of the Board of
Directors
guidelines and work Rules of Board of Directors
Employment guidelines and Rules of Conduct of The Board
of Directors is established by Decree No. SK.005 / 2015 /
PRESDIR-CorSec dated April 1, 2015 that generally regulates
about working days, working hours, leave and permit of the
Board of Directors as well as the provisions of organizing
and decision-making in meetings, codes of conduct, and
competence improvement of the Board of Directors.
Meeting Frequency, Attendance Rate and Absence
Record of the Board of Directors
In 2015, the Board of Directors conducted 32 meetings, which
was led by the President Director or the other members of the
Board of Directors in case that the President Director is unable
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.382
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
hadir. Hasil rapat diputuskan dengan mengedepankan
musyawarah mufakat dan dituangkan secara tertulis ke dalam
risalah rapat serta didokumentasikan dengan baik.
Dengan demikian, Bank Sinarmas telah memenuhi ketentuan
Bank Indonesia tentang pelaksanaan gCg dan ketentuan
internal Perseroan yaitu Board Manual serta Pedoman Tata
Tertib Kerja Direksi.
Tabel frekuensi dan tingkat kehadiran Direksi dalam Rapat
No Nama / Name Jabatan / PositionFrekuensi Kehadiran / Attendance Frequency
1 Freenyan Liwang Direktur Utama / President Director 32/27
2 Heru Agus Wuryanto Direktur / Director 32/30
3 Salis Teguh Hartono Direktur Independen / Independent Director 32/30
4 Loa Johnny Mailoa Direktur / Director 32/32
5 Halim Direktur / Director 32/28
6 Hanafi Himawan Direktur Independen / Independent Director 32/30
7 Soejanto Soetjijo* Direktur / Director 24/22
8 Frenky Tirtowijoyo Susilo* Direktur / Director 24/22
Keterangan *) Soejanto Soetjijo dan Frenky Tirtowijoyo Susilo baru menjabat sebagai Direktur sejak RUPSLB 24 Maret 2015
Tabel rekap absensi rapat Direksi
Tanggal / Date NotulenDireksi / Board of Directors
FL HA STH JM HH HL SS * FTS *
13 Januari 2015 / January 13, 2015
002/2015/DIR √ - √ √ √ √ - -
20 Januari 2015 / January 20, 2015
003/2015/DIR √ √ √ √ √ √ - -
27 Januari 2015 / January 27, 2015
004/2015/DIR √ √ √ √ √ √ - -
13 Februari 2015 / February 13, 2015
006/2015/DIR √ √ √ √ √ √ - -
20 Februari 2015 / February 20, 2015
007/2015/DIR √ √ √ √ √ √ - -
27 Februari 2015 / February 27, 2015
008/2015/DIR - √ √ √ √ √ - -
13 Maret 2015 / March 13, 2015
010/2015/DIR √ - - √ √ √ - -
20 Maret 2015 / March 20, 2015
011/2015/DIR √ √ √ √ √ √ - -
27 Maret 2015 / March 27, 2015
012/2015/DIR √ √ √ √ - √ √ √
to attend it. The entire result of the meeting was decided by
consensus agreement and set forth in writing in the minutes
of meetings and was well documented.
Therefore, Bank Sinarmas has complied with the regulations
of Bank Indonesia on the gCg implementation and the
Company’s internal regulation, namely Board Manual and the
guidelines of Work Rules of Board of Directors.
Table of meeting frequency and attendance rate of the Board
of Directors
Note *) Mr. Soejanto Soetjijo and Mr. Frenky Tirtowijoyo Susilo have just served as Director since EgM on March 24, 2015
Table of absence recap of the Board of Directors
Annual Report 2015 | PT. BANK SINARMAS Tbk. 383
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Tanggal / Date NotulenDireksi / Board of Directors
FL HA STH JM HH HL SS * FTS *
17 April 2015 / April 13, 2015
014/2015/DIR √ √ √ √ √ - √ √
24 April 2015 / April 24, 2015
015/2015/DIR √ √ √ √ √ - √ √
15 Mei 2015 / May 15, 2015
017/2015/DIR √ √ √ √ √ √ √ √
22 Mei 2015 / May 22, 2015
018/2015/DIR √ √ √ √ √ √ √ √
28 Mei 2015 / May 28, 2015
019/2015/DIR - √ √ √ √ √ - √
12 Juni 2015 / June 12, 2015
021/2015/DIR √ √ √ √ √ √ √ √
19 Juni 2015 / June 19, 2015
022/2015/DIR √ √ √ √ - √ √ √
26 Juni 2015 / June 26, 2015
023/2015/DIR √ √ √ √ - √ √ -
10 Juli 2015 / July 10, 2015
025/2015/DIR √ √ √ √ √ √ √ √
31 Juli 2015 / July 31, 2015
026/2015/DIR √ √ √ √ √ √ √ √
14 Agustus 2015 / August 14, 2015
028/2015/DIR √ √ √ √ √ √ √ √
21 Agustus 2015 / August 21, 2015
029/2015/DIR √ √ √ √ √ √ √ √
28 Agustus 2015 / August 28, 2015
030/2015/DIR √ √ √ √ √ √ √ √
11 September 2015 / September 11, 2015
032/2015/DIR - √ √ √ √ √ - √
18 September 2015 / September 18, 2015
033/2015/DIR - √ √ √ √ √ √ √
25 September 2015 / September 25, 2015
034/2015/DIR √ √ √ √ √ √ √ √
9 Oktober 2015 / October 9, 2015
036/2015/DIR √ √ - √ √ √ √ √
16 Oktober 2015 / October 16, 2015
037/2015/DIR √ √ √ √ √ √ √ √
23 Oktober 2015 / October 23, 2015
038/2015/DIR √ √ √ √ √ √ √ √
30 Oktober 2015 / October 30, 2015
039/2015/DIR √ √ √ √ √ √ √ √
13 Nopember 2015 / November 13, 2015
041/2015/DIR √ √ √ √ √ √ √ √
27 Nopember 2015 / November 27, 2015
042/2015/DIR - √ √ √ √ √ √ -
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.384
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Tanggal / Date NotulenDireksi / Board of Directors
FL HA STH JM HH HL SS * FTS *
11 Desember 2015 / December 11, 2015
044/2016/DIR √ √ √ √ - √ √ √
TOTAL 27 30 30 32 28 30 22 22
Keterangan *) Soejanto Soetjijo dan Frenky Tirtowijoyo Susilo baru menjabat sebagai Direktur sejak RUPSLB 24 Maret 2015
Tabel agenda rapat Direksi
Tanggal / Date Notulen Agenda Rapat / Meeting Agenda
13 Januari 2015 / January 13, 2015
002/2015/DIRPenjualan AyDA melalui Balai Lelang / Selling of AyDA through Auction House
ATM Switching
Kartu Kredit / Credit Card
Kartu ATM Lion Air / Lion Air ATM Card
Kerjasama dengan L Avenue / Cooperation with L Avenue
Kerjasama dengan EzzeLink / Cooperation with EzzeLink
Kalender Event / Event Calendar
Operation System (OS) Mesin ATM / ATM Machine Operation System
Kantor di Apartement Capitol / Office in Capitol Apartment
Penanganan Kredit Bermasalah (Kolek 3,4,5) / Handling of Problem Credits (Kolek 3, 4, 5)
Tindakan Fraud / Fraud Actions
Iklan Orange TV / Orange TV Advertisement
Digital Banking
Mastercard
KTA Payroll
Virtual Account
Penjualan Forex / Forex Selling
Transasksi Melalui EDC / Transaction via EDC
Klaim Asuransi KTA Mikro / KTA Micro Insurance Claim
Relokasi Kantor Cabang / Branch Office Relocation
20 Januari 2015 / January 20, 2015
003/2015/DIRPenjualan AyDA melalui Balai Lelang / Selling of AyDA through Auction House
Penanganan Kredit Bermasalah / Handling of Problem Credits
Komite Penanganan Kredit Bermasalah (KPKB) / Problem Credit Handling Committee
Sertfikasi UKMR / UKMR Certification
Tunjangan Jabatan AO Syariah / Position Allowance for AO Syariah
Kenyamanan Transaksi Nasabah / Comfort of Customers’ Transaction
Cakupan Wilayah Kerja OJK / Scope of the FSA’s Work Areas
Note *) Mr. Soejanto Soetjijo and Mr. Frenky Tirtowijoyo Susilo have just served as Director since EgM on March 24, 2015
Table of meeting agenda of the Board of Directors
Annual Report 2015 | PT. BANK SINARMAS Tbk. 385
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Tanggal / Date Notulen Agenda Rapat / Meeting Agenda
Revisi Ketentuan Pemberian Fasilitas Kredit / Revision of Requirements for Credit Facility Provision
Perubahan Fitur Produk MSME Secure menjadi Simas Mirco Secure Loan / Product Feature Changing from MSME Secure to Simas Micro Secure Loan
Susunan Wewenang Memutus untuk Komite Kredit Micro, Small dan Retail Banking / Composition of Authority to Dismiss for Micro Credit, Small, and Retail Banking Committee
27 Januari 2015 004/2015/DIR Debitur Menunggak / Debtors in Arrears
Penanganan Kredit Bermasalah / Handling of Problem Credits
Komite Penanganan Kredit Bermasalah (KPKB) / Problem Credit Handling Committee
Kartu Kredit / Credit Card
Card Centre
Tunjangan Jabatan AO Syariah / Position Allowance for AO Syariah
Training ulang kepada AO Mikro Secure / Re-training for AO Mikro Secure
Training Investigasi / Investigation Training
Program Bantu Surat Peringatan Nasabah / Auxiliary Program of Memorandum for Customers
Memo Biaya Incoming (Valas) / Incoming Fee Memo (Forex)
Keputusan Usulan Sanksi (rekomendasi SKAI) / Decision of Sanction Proposal (SKAI’s recommendation)
Branchless Banking
Progress tindakan Fraud / Fraud action progress
Jadwal Meeting Rutin Direksi / Schedule for Board of Directors’ Regular Meeting
13 Februari 2015 / February 13, 2015
006/2015/DIRDigital Product
Kerjasama dengan Shakinah dan ORORI / Cooperation with Shakinah and ORORI
Master Card
Digital Banking
gelar Perkara Pajak / Tax Case Preliminary Hearing
20 Februari 2015 / February 20, 2015
007/2015/DIRProduk PPOB (Digital Produk) / PPOB (Digital Product)
Kerjasama dengan AMI / Cooperation with AMI
Peraturan Bukti Potong dari Ditjen Pajak / Regulation of Withholding Slip from the Directorate general of Taxation
Corporate Profile
Sosialisasi Pencegahan Fraud / Socialization of Fraud Prevention
27 Februari 2015 / February 27, 2015
008/2015/DIR
Payment Point Online Banking (PPOB)
Laku Pandai / Branchless Banking
Kepala Divisi Trade Finance / Head of Trade Finance Division
13 Maret 2015 / March 13, 2015
010/2015/DIRPengkinian Data Nasabah / Updating of Customer Data
Document Management
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.386
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Tanggal / Date Notulen Agenda Rapat / Meeting Agenda
Mobil dan Motor Kas Keliling / Car and Motorcycle for Mobile Cash
Special Asset Management
Merchandise Department
Personal Accident
Tata Laksana Bank Notes Carrying / Bank Notes Carrying governance
group Head Card Centre
Penjualan Asuransi On Line / Selling of Online Insurance
Perkembangan produk - produk / Product Development
20 Maret 2015 / March 20, 2015
011/2015/DIREvent Creativepreneur Corner 2015
Produk - Produk Bank / Bank Products
Promo Iphone LTE / Promotion of iPhone LTE
Digital Campaign
Transaksi melalui Mobile / Internet Banking / Transaction via Mobile/Internet Banking
Pengkinian Data Nasabah / Updating of Customer Data
Simas Community (SimComm)
Merchandise Department
Mobile Banking
Perkembangan produk - produk / Product Development
Basic Development
27 Maret 2015 / March 27, 2015
012/2015/DIRSosialisasi Simobi Plus / Socialization of Simobi Plus
Promo Iphone LTE Smart / Promotion of iPhone LTE Smart
Merchandise Department
Pengkinian Data Nasabah / Updating of Customers Data
Laku Pandai / Branchless Banking
Kartu Kredit / Credit Card
Pay Master
Design Kartu Kredit Union Pay / Union Pay Credit Card Design
Meeting Update Bisnis dan Produk Bank / Meeting about Update on the Bank’s Business and Products
PIC Digital Banking
17 April 2015 / April 17, 2015
014/2015/DIRAturan Underlying Investasi US$ / Underlying Regulation on US$ Investment
Team Cheetah
Produktivitas Marketing / Marketing Productivity
Sistem Pemberian Kredit Mikro / Micro Credit Provision System
Mutual Fund
Wealth Management
Annual Report 2015 | PT. BANK SINARMAS Tbk. 387
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Tanggal / Date Notulen Agenda Rapat / Meeting Agenda
Simobi Plus
Design Seragam Front Liner Bank Sinarmas / Bank Sinarmas Front Liner Uniform Design
Konsultan Digital Banking / Digital Banking Consultant
Team Sinergi / Synergy Team
Kerjasama dengan SeveLink dan Isha / Cooperation with SeveLink and Isha
Promo Digital Banking / Digital Banking Promotion
Treasury System
Fund Tranfer Pricing
24 April 2015 / April 24, 2015
015/2015/DIRKonsultan Digital Banking / Digital Banking Consultant
Card Centre
Peningkatan Penjualan Produk Bank / Improvement on Sales of the Bank’s Products
Customer Acquisition
Kredit Macet / Bad credit
AyDA
Rapat Koordinasi Product antara Kanwil dan Product Owner / Meeting about Product Coordination with Regional Office and Product Owner
Treasury
Performance Review
Kantor Kas Kendal / Kendal Cash Office
Laporan Hasil Kunjungan Mentor / Report of Mentor’s Visit Results
Piagam Mentoring Wilayah / Regional Mentoring Charter
15 Mei 2015 / May 15, 2015
017/2015/DIRFilm Edukasi / Educational Film
Revisi RBB Juni 2015 / June 2015 RBB Revision
Exit Meeting dengan Regulator / Exit Meeting with the Regulator
Pembagian Tugas antar Direktorat / Division of Duties between Directorates
MPP Sales & Distribution 2015
Re-Design Website Bank Sinarmas
Quick Respon (QR)
Monitoring Expenses Cabang / Branch Monitoring Expenses
Account Officer Bank
Sales & Distribution
Kantor Fungsional Unit Usaha Syariah (UUS) / Functional Office of Sharia Business Unit
22 Mei 2015 / May 22, 2015
018/2015/DIRSimas Pay
Re- Design Website Bank Sinarmas
Kartu Kredit / Credit Card
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.388
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Tanggal / Date Notulen Agenda Rapat / Meeting Agenda
Promosi Internet & Mobile Banking / Promosi Internet & Mobile Banking / Internet & Mobile Banking Promotion
Supply Chain Financing
Program Bantu Pengkinian Data / Program to Support Data Updating
Progress Pembuatan SOP / Progress of the Drafting of SOP
Unit Kerja Loan Recovery / Loan Recovery Work Unit
28 Mei 2015 / May 28, 2015
019/2015/DIR
Pengelolaan Deposito nasabah korporasi / Deposit Management for corporate customers
Unit Usaha Syariah / Sharia Business Unit
Laku Pandai / Branchless Banking
Pengkinian Data / Data Updating
Kartu Kredit / Credit Card
Micro Secure
Pelayanan Nasabah / Customer Service
12 Juni 2015 / June 12, 2015
021/2015/DIRSkema Insentif / Incentive Scheme
Revisi RBB / Revision of Bank’s Business Plan (RBB)
Rekomendasi Komisaris kepada Direksi / Board of Commissioners’ Recommendations to the Board of Directors
Pemekaran Wilayah Kanwil / Expansion of Regional Office Work Area
Laporan Kinerja Keuangan per Mei 2015 / Statements of Financial Performance per May 2015
Kartu Kredit / Credit Card
19 Juni 2015 / June 19, 2015
022/2015/DIRKonsentrasi Bisnis Bank / Bank’s Business Concentration
Rangkap Jabatan / Concurrent Position
Sales & Distribution
Switching Project
Sales Clinic
Skema Insentif / Incentive Scheme
Revisi RBB / Revision of Bank’s Business Plan (RBB)
Corporate Card
Corporate Internet Banking
SIMAS UMK
NPL Mikro
Aturan Penyampaian Punishment Karyawan / Procedure to Impose Punishment on the Employees
Efisiensi dan Efektivitas Biaya / Cost Efficiency and Effectiveness
Tindak Lanjut Penyelesaian PT. TET / Follow-up on the Settlement of PT. TET
Annual Report 2015 | PT. BANK SINARMAS Tbk. 389
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Tanggal / Date Notulen Agenda Rapat / Meeting Agenda
26 Juni 2015 / June 26, 2015
023/2015/DIRLaku Pandai
Fraud Management
Perijinan Produk Bank / Bank’s Product Licensing
Product Bundling dan RDN (Rekening Dana Nasabah) / Product Bundling and Customer Funds Account (Rekening Dana Nasabah - RDN)
Update Project IT
10 Juli 2015 / July 10, 2015
025/2015/DIRArahan Regulator / Regulator’s Directives
Presentasi Direktorat Retail Banking / Retail Banking Directorate Presentation
Rasio Perusahaan / Ratios of the Company
Commision Insurance Collateral
Rapat Koordinator Kanwil / Regional Office Coordination Meeting
Aturan Penggunaan Transaksi Rupiah / Regulation in the Use of Rupiah in Transactions
KPI Account Officer
Digital Banking
Aplikasi Manajemen di Ipad Direksi / Management Application on Board of Directors’ iPad
Peraturan Kredit terkait SBDK / SBDK-Related Loan Regulation
Lead Management System
Pelaporan RMR / RMR Reporting
Paperless
Sentralisasi Pinjaman Karyawan / Centralization of Employee’s Loan
Fasilitas Kredit Direksi / Board of Directors’ Loan Facility
Resolusi Kredit / Credit Resolution
31 Juli 2015 / July 31, 2015
026/2015/DIR
Laporan Performance Direktur Utama Q2 / Report on the Performance of President Director in Q2
Kartu Indigo / Indigo Card
Cabang Rugi / Loss in Branch Office
Penjualan EDC / EDC Sales
Kartu Kredit Korporate / Corporate Credit Card
Marketing Cabang / Branch Office’s Marketing
Promosi Bank Sinarmas / Promotion of Bank Sinarmas
Mobil Kas Bank Sinarmas / Mobile Cash of Bank Sinarmas
Internal Call Centre
Analisa Beban Cabang Analysis on Branch Office’s Expenses
Pemetaan Produk Bank / Bank’s Product Mapping
Usulan Direktorat Mentor / Recommendation on Directorate for Mentor
Simas Superbonus gadget
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.390
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Tanggal / Date Notulen Agenda Rapat / Meeting Agenda
14 Agustus 2015 / August 14, 2015
028/2015/DIRDesign Kartu Debit Chip Bank / Design of Bank’s Chip Debit Card
Pemeriksaan Regulator untuk Laku Pandai / Regulator’s Evaluation on Laku Pandai
Merchant Acquiring dan Kartu Kredit / Merchant Acquiring and Credit Card
Kartu Kredit Indigo / Indigo Credit Card
Program gadget gadget Program
Simobi Plus
Update Perkembangan Bisnis / Update on Business Development
Simulasi Penyerapan Biaya Cabang / Simulation of Branch Office’s Expense Absorption
RBB
Laku Pandai / Branchless Banking
21 Agustus 2015 / August 21, 2015
029/2015/DIRProduct Bundling Handphone
Simobi Plus
Digital Banking
Digit Nomor CIF / CIF’s Digit Number
Kartu Kredit / Credit Card
KPI Digital Banking
Inovatif Product Baru / Innovation of New Product
Inovatife Project Bank Inovatif Project Bank / Bank’s Project Innovation
Redesign Website
Petunjuk Asetsi Simobi Plus / Directions to Activate Simobi Plus
Cabang Rugi / Loss in Branch Office
Rencana Bisnis Bank 2016 / Bank’s Business Plan for 2016
28 Agustus 2015 / August 28, 2015
030/2015/DIRPresentasi Card Centre / Presentation of Card Centre
Kartu Kredit / Credit Card
Kartu Kredit / Credit Card
Product Bank
Developer Default
Struktur Card Centre / Structure of Card Centre
Account Manager
Lead Management System
Sales Clinic
Peluang Bisnis / Business Opportunity
Corporate Internet Banking
Annual Report 2015 | PT. BANK SINARMAS Tbk. 391
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Tanggal / Date Notulen Agenda Rapat / Meeting Agenda
11 September 2015 / September 11,
2015032/2015/DIR
Presentasi E Learning / E-Learning Presentation
Unit Usaha Syariah / Sharia Business Unit
Presentasi dari Unit Kerja Credit Analyst / Presentation from Credit Analyst Work Unit
Fungsi dan Mekanisme Direktur Mentor / Function and Mechanism of Director of Mentor
Peluang Bisnis Sektor Kredit Sawit / Business Opportunity in Palm Oil Loan Sector
18 September 2015 / September 18,
2015033/2015/DIR
Presentasi dari Direktorat Liabilities / Presentation from Liabilities Directorate
Training Marketing Bank
Kartu Kredit Indigo / Indigo Credit Card
Strategi Bank / Bank’s Strategy
Pelayanan Nasabah via Contact Centre / Customer Service via Contact Centre
25 September 2015 / September 25,
2015034/2015/DIR
Presentasi Rencana Reorganisasi Direktorat Retail / Presentation of Reorganization Plan of Retail Directorate
Service Quality
KPI Cabang / Branch Office’s KPI
Akusisi Nasabah Baru / Acquisition of New Customers
Kartu Kredit Indigo / Indigo Credit Card
Progress Tindak Lanjut PT. TET / Progress on the Follow-up Actions to PT. TET
Laporan Debitur Menunggak / Report on Debtors in Arrears
People Life Cycle
Aturan Penitipan Dana / Regulations in Fund Deposit
9 Oktober 2015 / October 9, 2015
036/2015/DIRPengguna Kartu Kredit Bank / Users of Bank’s Credit Card
One on One Service
Dampak Kenaikan UMR 2016 / Impact of the Rising UMR in 2016
Presentasi Direktorat Unit Usaha Syariah / Presentation of Directorate of Sharia Business Unit
Cash Pickup
Monitoring Jaminan / Monitoring on guarantee
Pembagian Tugas & Tanggung Jawab / Distribution of Duties and Responsibilities
Aturan Ekskalasi / Regulations in Escalation
Entitas Utama / Main Entity
Informasi Right Issue / Information on Rights Issue
16 Oktober 2015 / October 16, 2015
037/2015/DIRProgram Cash Back Kartu Kredit / Cash Back Program for Credit Card
Penggunaan EDC di Merchant / Use of EDC in Merchants
Simobi Plus
Database nasabah Kredit / Database of Credit Customers
Time Motion Study
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.392
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Tanggal / Date Notulen Agenda Rapat / Meeting Agenda
E money
Ezze Link
Laku Pandai / Branchless Banking
Tabungan Diamond / Diamond Savings Account
23 Oktober 2015 / October 23, 2015
038/2015/DIRLaku Pandai / Branchless Banking
Entitas Utama / Main Entity
Cross Selling
Card Center
Kartu Kredit / Credit Card
30 Oktober 2015 / October 30, 2015
039/2015/DIRLaku Pandai / Branchless Banking
Presentasi Performance Q3 / Presentation of Performance in Q3
Persiapan Bank SInarmas sebagai Entitas Utama / Preparation for Bank Sinarmas as the Main Entity
Action Plan Cabang Rugi / Loss in Branch Office’s Action Plans
Product Bundling Iphone 6S
13 Nopember 2015 / November 13,
2015041/2015/DIR
Perijinan Product / Product Licensing
Laku Pandai
Posisi Pimpinan Cabang / Position of Branch Office Manager
Simas Junior
Restuktur Kredit / Credit Restructuring
Rotasi Pejabat Bank / Rotation of Bank’s Officers
Kepala Divisi CAC / Head of CAC Division
27 Nopember 2015 / November 27,
2015042/2015/DIR
Laku Pandai / Branchless Banking
Kartu Kredit Indigo / Indigo Credit Card
11 Desember 2015 / December 11,
2015044/2015/DIR
Bussines Partner Development
Perijinan E-Money dan Corporate Internet Banking / E-Money Licensing and Corporate Internet Banking
Persiapan Launching Layanan Keuangan / Preparation to Launch Financial Services
Business Continuity Management
Orientasi Anggota Direksi Baru
Orientasi diberikan kepada anggota Direksi yang baru pertama
menjabat di Bank Sinarmas. Apabila anggota Direksi yang
diganti hanya sebagian, maka penanggung-jawab orientasi
tersebut adalah Direksi lainya dan atau Sekretaris Perusahaan.
Orientation for New Members of the Board of Directors
Orientation is given to the new members of the Board of
Directors who has just served at Bank Sinarmas. If there is only
a half of the Board of Directors who gets replaced, then the
person in charge of the orientation is the other members of
the Board of Directors and/or Corporate Secretary.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 393
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Materi yang diberikan pada program orientasi meliputi hal-hal
sebagai berikut:
1. gambaran mengenai Bank Sinarmas berkaitan dengan
tujuan, sifat, lingkup kegiatan, kinerja keuangan dan
operasi, strategi, rencana usaha jangka pendek dan jangka
panjang, posisi kompetitif, risiko dan berbagai masalah
strategis lainnya.
2. Pelaksanaan prinsip-prinsip gCg oleh Bank Sinarmas.
3. Pemahaman terhadap tugas dan tanggung jawab anggota
Direksi.
4. Penjelasan yang berkaitan dengan kewenangan yang
didelegasikan, audit internal dan eksternal, sistem dan
kebijakan pengendalian internal serta tugas dan peran
Komite Audit dan Komite-komite lain yang dibentuk oleh
Komisaris.
5. Penjelasan mengenai kebijakan-kebijakan yang menunjang
pelaksanaan tugas dan tanggung jawab Direksi.
Suksesi Direksi
Pengangkatan dan pemberhentian Direksi Perseroan dilakukan
berdasarkan prinsip-prinsip profesionalisme dan tata kelola
perusahaan yang baik (Good Corporate Governance).
Program Pelatihan
Pada tahun 2015, Direksi telah mengikuti berbagai seminar/
training/workshop guna meningkatkan kompetensinya, antara
lain:
Tabel informasi porgram pelatihan Direksi
No Tanggal / Dated Training Penyelenggara / Organizer Tempat / Location
FREENyAN LIwANg
111 Februari 2015 / February 11, 2015
Training 10 Elemen Transformasi / Training 10 Elements of Transformation
McKinsey Sinarmas Land Plaza, Jakarta
224 Maret 2015 / March
24, 2015Training LMS & Performance Dashboard
McKinsey Sinarmas Land Plaza, Jakarta
37 April 2015 / April 7,
2015
Workshop Penilaian Tingkat Kesehatan bank / Workshop of the Assessment of Bank’s Soundness
BSMR Hotel Atlet Century, Jakarta
411 April 2015 / April 11,
2015 Self lead workshop Mckinsey Roxy Square , Jakarta
517 April 2015 / April 17,
2015
Overview of Indonesian Capital Market - Securitas Sinarmas
Sinarmas Sekuritas Sinarmas Land Plaza, Jakarta
The materials given in the orientation program covers the
following:
1. Description on Bank Sinarmas which relates to the
objective, nature, scope of activities, financial and
operational performances, strategies, short-term and long-
term business plan, competitive positions, risks, and other
various strategic matters.
2. Implementation of gCg principles by Bank Sinarmas.
3. Understanding on duties and responsibilities of Board of
Directors.
4. Explanation related to the authority that has been
delegated, internal and external audit, system and policy
of internal control, as well as duties and roles of Audit
Committee and other Committees established by the
Commissioner.
5. Explanation on policies supporting implementation of
duties and responsibilities.
Director Succession
The appointment and dismissal of the Company’s Board of
Directors are conducted based on the professionalism and
good corporate governance principles.
Training Program
In 2015, the Board of Directors attended various seminar/
training/workshop to improve its competency, among others:
Table of information of training program of the Board of
Directors
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.394
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
No Tanggal / Dated Training Penyelenggara / Organizer Tempat / Location
615 Mei 2015 / May 15,
2015
"Spirit of Formosa" dan "Spirit of Huawei" / ”Spirit of Formosa” and ”Spirit of Huawei”
Formosa Sinarmas Land Plaza, Jakarta
725 Juli 2015 / July 25,
2015E-Commerce with Magento The University of Sydney Sydney, Australia
812 Agustus 2015 / August 12, 2015
Training Corporate governance
OJK Menara Merdeka, Jakarta
925 Agustus 2015 / August 25, 2015
Banking Improvement Workshop
Wincor Nixdorf Indonesia Sinarmas Land Plaza, Jakarta
1023 Oktober 2015 / October 23, 2015
governance of RiskIndonesian Institute For Corporate Directorship
Sinarmas Land Plaza, Jakarta
HERU AgUS wURyANTO
111 Februari 2015 / February 11, 2015
Training 10 Elemen Transformasi / Training 10 Elements of Transformation
McKinsey Sinarmas Land Plaza, Jakarta
22 Maret 2015 / March 2,
2015PDPS & Leadership In Action
Unit Usaha Syariah / Sharia Business Unit
Roxy Square , Jakarta
324 Maret 2015 / March
24, 2015Training LMS & Performance Dashboard
Unit Usaha Syariah / Sharia Business Unit
Sinarmas Land Plaza, Jakarta
413-14 April 2015 / April
13-14, 2015Coaching & Concelling Basic Accounting
Unit Usaha Syariah / Sharia Business Unit
Function Room. Quest Hotel, Surabaya
517 April 2015 / April 17,
2015Overview of Indonesian capital Market
Sinarmas Sekuritas Sinarmas Land Plaza, Jakarta
69 Agustus 2015 / August
9, 2015Leadership
Unit Usaha Syariah / Sharia Business Unit
PT. Asuransi Sinarmas Plaza Simas
722 Agustus 2015 / August 22, 2015
LeadershipUnit Usaha Syariah / Sharia Business Unit
yogyakarta
830 September 2015 / September 30, 2015
Basic Perbankan Umum, Refreshment Basic Laporan Keuangan kepada Lulusan MT-iB
Unit Usaha Syariah / Sharia Business Unit
gedung LPPI, Kemang, Jakarta Selatan
923 Oktober 2015 / October 23, 2015
Training governance of RiskIndonesian Institute For Corporate Directorship
Sinarmas Land Plaza, Jakarta
109-10 November 2015 / November 9-10, 2015
LeadershipUnit Usaha Syariah / Sharia Business Unit
Kantor Cabang Syariah Malang
1116-17 November 2015 / November 16-17, 2015
LeadershipUnit Usaha Syariah / Sharia Business Unit
Hotel Bumi Bandhawa
SALIS TEgUH HARTONO
121 Januari 2015 / January
21, 2015Integrated governance and Risk Management
IBI Plaza bapindo Lt.9, Jakarta
211 Februari 2015 / February 11, 2015
Training 10 Elemen Transformasi / Training 10 Elements of Transformation
McKinsey Sinarmas Land Plaza, Jakarta
324 Maret 2015 / March
24, 2015Training LMS & Performance Dashboard
McKinsey Sinarmas Land Plaza, Jakarta
Annual Report 2015 | PT. BANK SINARMAS Tbk. 395
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
No Tanggal / Dated Training Penyelenggara / Organizer Tempat / Location
412 April 2015 / April 12,
2015Self lead workshop McKinsey Roxy Square Lt.9, Jakarta
517 April 2015 / April 17,
2015Overview of Indonesian capital Market
Sinarmas Sekuritas Sinarmas Land Plaza, Jakarta
6 1 Juli 2015 / July 1, 2015Program Sosialisasi Compliance
Compliance Bank Sinarmas KC Malang
7 6 Juli 2015 / July 6, 2015Seminar Risk Management (Resfreshment)
BSMR Hotel Atlet Century, Jakarta
811 Agustus 2015 / August 11, 2015
Program Sosialisasi Compliance
Compliance Bank Sinarmas KC Semarang
927 Agustus 2015 / August 27, 2015
Program Sosialisasi Compliance
ComplianceBank Sinarmas KC Palembang
101 Oktober 2015 / October 1, 2015
Leadership Sharing Session bersama Bpk. Arwin Rasyid
President Office Sinarmas Sinarmas Land Plaza, Jakarta
119 Oktober 2015 / October 9, 2015
Seminar Nasional dan Kongres ISEI XIX
ISEI Hotel Bumi Surabaya
1221 Oktober 2015 / October 21, 2015
Sosialisasi Laku Pandai Compliance Bank Sinarmas KC Magelang
1323 Oktober 2015 / October 23, 2015
Training governance of Risk IICD Sinarmas Land Plaza, Jakarta
1417 November 2015 / November 17, 2015
Risk & governance Summit 2015
OJK Museum Nasional Indonesia
LOA JOHNNy MAILOA
129 Januari 2015 / January
29, 2015Table Manner KCU Thamrin gaia Restaurant, The Plaza
23 Februari 2015 / February 3, 2015
Table Manner KCU Thamrin gaia Restaurant, The Plaza
311 Februari 2015 / February 11, 2015
Training 10 Elemen Transformasi / Training 10 Elements of Transformation
McKinsey Sinarmas Land Plaza, Jakarta
417 Februari 2015 / February 17, 2015
Seminar Nasional "Prospek pembiayaan Properti 2015" / National Seminar ”Outlook on Property Financing 2015”
Info bank Hotel Le Meridien, Jakarta
514 Maret 2015 / March
14, 2015Bedah Buku AO
Corporate Banking and Credit Analyst
Roxy Square Lt.9, Jakarta
624 Maret 2015 / March
24, 2015Training LMS & Performance Dashboard
Mckinsey Sinarmas Land Plaza, Jakarta
711-12 April 2015 / April
11-12, 2015Self lead workshop McKinsey Roxy Square Lt.9, Jakarta
817 April 2015 / April 17,
2015Overview of Indonesian capital Market
Sinarmas Sekuritas Sinarmas Land Plaza, Jakarta
91 Oktober 2015 / October 1, 2015
Leadership Sharing Session bersama Bpk. Arwin Rasyid
President Office Sinarmas Sinarmas Land Plaza, Jakarta
1023 Oktober 2015 / October 23, 2015
Training governance of Risk IICD Sinarmas Land Plaza, Jakarta
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.396
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
No Tanggal / Dated Training Penyelenggara / Organizer Tempat / Location
HALIM
111 Februari 2015 / February 11, 2015
Training 10 Elemen Transformasi / Training 10 Elements of Transformation
McKinsey Sinarmas Land Plaza, Jakarta
224 Maret 2015 / March
24, 2015Training LMS & Performance Dashboard
McKinsey Sinarmas Land Plaza, Jakarta
311-12 April 2015 / April
11-12, 2015
Preparing the Future, to work together to deliver (Self Lead Workshop)
McKinsey Roxy Square , Jakarta
417 April 2015 / April 17,
2015Overview of Indonesian capital Market
Sinarmas Sekuritas Sinarmas Land Plaza, Jakarta
525 Agustus 2015 / August 25, 2015
Banking Improvement Workshop
Wincor Nixdorf Indonesia Sinarmas Land Plaza, Jakarta
623 Oktober 2015 / October 23, 2015
governance of RiskIndonesian Institute For Corporate Directorship
Sinarmas Land Plaza, Jakarta
HANAFI HIMAwAN
111 Februari 2015 / February 11, 2015
Training 10 Elemen Transformasi / Training 10 Elements of Transformation
McKinsey Sinarmas Land Plaza, Jakarta
214 Februari 2015 / February 14, 2015
Refreshment Training (LSPP) - Operational Risk Management
LSPP (Hotel Akmani, Jakarta)
324 Maret 2015 / March
24, 2015Training LMS & Performance Dashboard
McKinsey Sinarmas Land Plaza, Jakarta
411-12 April 2015 / April
11-12, 2015Seft Lead Workshop - Mckinsey
Mckinsey Roxy Square , Jakarta
517 April 2015 / April 17,
2015
Overview of Indonesian Capital Market - Securitas Sinarmas
Sinarmas Sekuritas Sinarmas Land Plaza, Jakarta
623 Oktober 2015 / October 23, 2015
Training governance of Risk - Indonesian Institute for Corporate Directorship
Indonesian Institute For Corporate Directorship
Sinarmas Land Plaza, Jakarta
710-11 Desember 2015 / December 10-11, 2015
ERMA Bali International Seminar on ERM 2015
ERMA Denpasar, Bali
SOEJANTO SOETJIJO
111 Februari 2015 / February 11, 2015
Training 10 Elemen Transformasi / Training 10 Elements of Transformation
McKinseySinar Mas Land Plaza, Tower 1 Lantai 8, Jakarta
224 Februari 2015 / February 24, 2015
Training LMS dan Performance Dashboard
SPMSinar Mas Land Plaza, Tower 1 Lantai 8, Jakarta
311-12 April 2015 / April
11-12, 2015
Preparing the Future, to work together to deliver (Self Lead)
McKinseyRoxy Square, Ruang Bali, Jakarta
417 April 2015 / April 17,
2015Overview of Indonesian capital Market
Sinarmas SekuritasSinar Mas Land Plaza, Tower 1 Lantai 8, Jakarta
Annual Report 2015 | PT. BANK SINARMAS Tbk. 397
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
No Tanggal / Dated Training Penyelenggara / Organizer Tempat / Location
53 Juni 2015 / June 1,
2015Forum Dialog Tentang Proxy War dan Korporasi
President OfficeSinarmas Land Plaza, Tower 2, Lantai 39, Jakarta
611 September 2015 / September 11, 2015
Asia SME Banking Leadership Forum
McKinsey & Company Bangkok
714 September 2015 / September 14, 2015
Seminar "Bijak Ber-eBanking"
OJK Hotel Borobudur, Jakarta
816 September 2015 / September 16, 2015
Presentation by Dr. Lee Sang Chul"New Era of ICT World"
SmartfrenBallroom grandhyatt Hotel, Jakarta
923 Oktober 2015 / October 23, 2015
In-house Training dengan Tema “governance of Risk"
Indonesian Institute For Corporate Directorship
Sinar Mas Land Plaza, Tower 1 Lantai 8, Jakarta
FRENKy TIRTOwIJOyO SUSILO
111 Februari 2015 / February 11, 2015
Training 10 Elemen Transformasi / Training 10 Elements of Transformation
McKinseySinar Mas Land Plaza, Tower 1 Lantai 8, Jakarta
216 Februari 2015 / February 16, 2015
Penerapan Tata Kelola dan Manajemen Risiko Terintegrasi bagi Konglomerasi Keuangan
FKDKP Hotel Pullman, Jakarta
324 Februari 2015 / February 24, 2015
Training LMS dan Performance Dashboard
SPMSinar Mas Land Plaza, Tower 1 Lantai 8, Jakarta
410 Maret 2015 / March
10, 2015Southeast Asia ATMs 2015 Conference
FIS Shangri-la Hotel, Jakarta
511-12 April 2015 / April
11-12, 2015
Preparing the Future, to work together to deliver (Self Lead)
McKinseyRoxy Square, Ruang Bali, Jakarta
617 April 2015 / April 17,
2015Overview of Indonesian capital Market
Sinarmas SekuritasSinar Mas Land Plaza, Tower 1 Lantai 8, Jakarta
73 Juni 2015 / June 1,
2015Forum Dialog Tentang Proxy War dan Korporasi
President OfficeSinarmas Land Plaza, Tower 2, Lantai 39, Jakarta
814 September 2015 / September 14, 2015
Seminar "Bijak Ber-eBanking"
OJK Hotel Borobudur, Jakarta
916 September 2015 / September 16, 2015
Presentation by Dr. Lee Sang Chul"New Era of ICT World"
SmartfrenBallroom grandhyatt Hotel, Jakarta
1023 Oktober 2015 / October 23, 2015
In-house Training dengan Tema “governance of Risk"
Indonesian Institute For Corporate Directorship
Sinar Mas Land Plaza, Tower 1 Lantai 8
1123 November 2015 / November 23, 2015
Seminar International "Sustainable Finance to Support Sustainable Development goals
OJKBallroom grandhyatt Hotel, Jakarta
1225-26 November 2015 / November 25-26, 2015
BARA Risk Forum BARa Bali
1327 November 2015 / November 27, 2015
The Transformation of Digital Payment: the new way to pay
ASPI Bali
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.398
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
RAPAT gABUNgAN DEwAN KOMISARIS DENgAN DIREKSISepanjang 2015, Dewan Komisaris dan Direksi telah
menyelenggarakan rapat gabungan sebanyak 12 kali. Seluruh
hasil rapat gabungan diputuskan berdasarkan musyawarah
mufakat dan dituangkan secara tertulis ke dalam risalah rapat
serta didokumentasikan oleh Corporate Secretary dengan
baik. Dengan demikian, Bank Sinarmas telah memenuhi
ketentuan regulator tentang pelaksanaan gCg dan ketentuan
internal Perseroan yaitu Board Manual serta Pedoman Tata
Tertib Kerja Direksi dan Pedoman Tata Tertib Kerja Dewan
Komisaris.
Tabel frekuensi dan tingkat kehadiran rapat gabungan Dewan
Komisaris dengan Direksi
No Nama / Name Jabatan / PositionJumlah Kehadiran /
Attendance Rate
1 Tjendrawati Widjaja Komisaris Utama / President Commissioner 12/11
2 Sammy Kristamuljana Komisaris Independen / Independent Commissioner 12/11
3 Rusmin Komisaris Independen / Independent Commissioner 12/12
4 Freenyan Liwang Direktur Utama / President Director 12/10
5 Heru Agus Wuryanto Direktur / Director 12/11
6 Salis Teguh Hartono Direktur Independen / Independent Director 12/12
7 Loa Johnny Mailoa Direktur / Director 12/12
8 Halim Direktur / Director 12/12
9 Hanafi Himawan Direktur Independen / Independent Director 12/11
10 Soejanto Soetjijo* Direktur / Director 12/8
11 Frenky Tirtowijoyo Susilo* Direktur / Director 12/9
Keterangan *) Efektif menjabat sebagai Direktur sejak 24 Maret 2015
Tabel rincian pelaksanaan Rapat gabungan Dewan Komisaris
dan Direksi
Tanggal / Date Notulen / MinutesDireksi / Board of Direcors
FL HA STH JM HH HL SS * FTS * Tw SK RM
6 Januari 2015 / January 6, 2015
001/2015/DIRKOM √ √ √ √ √ √
Belum bergabung / have not
joined
Belum bergabung / have not
joined
√ √ √
6 Februari 2015 / February 6, 2015
005/2015/DIRKOM √ √ √ √ √ √ √ √ √
6 Maret 2015 / March 6, 2015
009/2015/DIRKOM - √ √ √ √ - √ √ √
10 April 2015 / April 10, 2015
013/2015/DIRKOM √ √ √ √ √ √ √ √ √ √ √
8 Mei 2015 / May 8, 2015
016/2015/DIRKOM √ √ √ √ √ √ √ √ - - √
JOINT MEETINg OF BOARD OF cOMMISSIONERS AND BOARD OF DIREcTORSThroughout 2015, the Board of Commissioners and Board
of Directors have held 12 joint meetings. All joint meeting
decisions are made based on consensus and written down
in the minutes of meetings and is well-documented, as
well as documented well by the Corporate Secretary.
Thus,Bank Sinarmas has fulfilled regulator’s provisions on
the implementation of gCg and from the Company, namely
through Board Manual as well as Board Charter of Board of
Directors and Board Charter of Board of Commissioners.
Table of joint meeting frequency and attendance rate of Board
of Commissioners and Board of Directors
Note *) Serving as Director effective from March 24, 2015
Table of Joint Meeting Implementation of Board of
Commissioners and Board of Directors
Annual Report 2015 | PT. BANK SINARMAS Tbk. 399
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Tanggal / Date Notulen / MinutesDireksi / Board of Direcors
FL HA STH JM HH HL SS * FTS * Tw SK RM
5 Juni 2015 / June 5, 2015
020/2015/DIRKOM √ √ √ √ √ √ - √ √ √ √
3 Juli 2015 / July 3, 2015
024/2015/DIRKOM - √ √ √ √ √ √ √ √ √ √
7 Agustus 2015 / August 7, 2015
027/2015/DIRKOM √ √ √ √ √ √ √ √ √ √ √
4 September 2015 / September 4,
2015031/2015/DIRKOM √ √ √ √ √ √ √ √ √ √ √
2 Oktober 2015 / October 2, 2015
035/2015/DIRKOM √ √ √ √ √ √ √ √ √ √ √
6 Nopember 2015 / November 6,
2015040/2015/DIRKOM √ - √ √ √ √ √ √ √ √ √
4 Desember 2015 / December 4,
2015043/2016/DIRKOM √ √ √ √ √ √ √ √ √ √ √
TOTAL 10 11 12 12 12 11 8 9 11 11 12
Keterangan / Note :
• TW(TjendrawatiWidjaja)
• SK(SammyKristamuljana)
• RM(Rusmin)
• FL(FreenyanLiwang)
• HA(HeruAgusWuryanto)
• STH(SalisTeguhHartono)
Tabel agenda rapat gabungan Dewan Komisaris dan Direksi
Tanggal / Date Notulen / Minutes Agenda Rapat / Meeting Agenda
6 Januari 2015 / Januari 6, 2015
001/2015/DIRKOMPenjualan AyDA melalui Balai Lelang / Sales of AyDA through Auction
Supply Chain Financing& Cash Management
Alokasi Tanggung Jawab dan Tugas Transformasi / Allocation of Responsibilities and Duties on Transformation
Kartu Kredit / Credit Card
Rolling Direktur Mentor / Director of Mentor’s Rolling
Penggantian Mobil Dinas / Replacement of Office Vehicle
Merchant Business
ATM Switching
Operation System (OS) Mesin ATM / Operation System (OS) of ATM Machine
3D Secure
Penataan Ruangan Kerja / Administration of Workplace
• JM(LoaJohnnyMailoa)
• HL(Halim)
• HH(HanafiHimawan)
• SS(SoejantoSoetjijo)*
• FTS(FrenkyTirtowijoyoSusilo)*
*) Efektif menjabat sebagai Direktur sejak 24 Maret 2015 /
Serving as Director effective from March 24, 2015
Table of joint meeting agenda of Board of Commissioners and
Board of Directors
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.400
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Tanggal / Date Notulen / Minutes Agenda Rapat / Meeting Agenda
Peraturan OJK Terbaru / The Newest OJK Regulation
Struktur Stategic & Performance Management / Structure of Strategic and Performance Management
6 Februari 2015 / February 6, 2015
005/2015/DIRKOMDigital Product
Branch Management Program
Surat Denda dari Kantor Pajak Setempat / Fines from Local Tax Office
Tindak Lanjut Kasus Fraud / Follow-up of Fraud Cases
Rapat Umum Pemegang Saham Luar Biasa / Extraordinary general Meeting of Shareholders
Tata kelola Perjalanan Dinas Direksi / governance of Board of Directors’ Official Visit
Keseragaman Protokoler Direksi / Conformity in Board of Directors’ Protocols
Struktur Organisasi / Organization Structure
Photo Annual Report
Corporate Profile
Insentif dan Target / Incentive and Target
6 Maret 2015 / March 6, 2015
009/2015/DIRKOMKeamanan Transaksi Nasabah / Customers’ Transaction Security
Laku Pandai / Branchless Banking
Simobi Plus
Marketing Acquisition
Tata Letak Unit Kerja Bank Sinarmas / Placement of Bank Sinarmas’ Work Units
10 April 2015 / April 10, 2015
013/2015/DIRKOM
Laporan Performance Direksi Quartal 1 2015 kepada Dewan Komisaris / Report on the Board of Directors’ Performance in Q1 to the Board of Commissioners
Laku Pandai / Branchless Banking
Orange TV
Kartu Kredit / Credit Card
E Learning
Rekomendasi Komisaris kepada Direksi / Recommendations of the Board of Commissioners to the Board of Directors
Sinkronisasi Data / Data Synchronization
Monitoring tingkat NPL / Monitoring of NPL Rate
Pembaharuan Kebijakan Kredit / Loan Policy Updating
8 Mei 2015 / May 8, 2015
016/2015/DIRKOMMPP 2015 Unit Sales & Distribution
Website Bank Sinarmas
UangKu
Quick Respon (QR)
Peluang Bisnis Payment gateway / Business Opportunity in Payment gateway
Pembagian Tugas antar Direktorat / Distribution of Duties among the Directorates
Annual Report 2015 | PT. BANK SINARMAS Tbk. 401
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Tanggal / Date Notulen / Minutes Agenda Rapat / Meeting Agenda
Presentasi Laporan Keuangan April 2015 / Presentation of Financial Statements of April 2015
Expense Cabang dan Divisi / Expenses of Branch Offices and Divisions
Test UKMR
Jumlah karyawan Cabang / Total Employees at Branch Office
5 Juni 2015 / June 5, 2015
020/2015/DIRKOM
Penataan Ulang Wilayah Kanwil / Re-Administration of Regional Offices’ Service Area
Skema Insentif / Incentive Scheme
Sales Clinic
Tata Kelola Suku Bunga / governance of Interest Rate
Tata Kelola reward dari Business Partner / governance of Rewards from Business Partners
Tim Task Force TET / Task Force Team for TET
Action Plan Kolektibilitas Kredit / Action Plan from Loan Collectability
Rapat Umum Pemegang Saham Tahunan / Annual general Meeting of Shareholders
Update Project IT
3 Juli 2015 / July 3, 2015
024/2015/DIRKOM
Rekening Dana Nasabah (RDN) / Customer Funds Account (Rekening Dana Nasabah - RDN)
Program gadget (Handphone)
Fraud Management
Pembagian Kerja Unit Kerja Sales & Distribution dan Unit Kerja Liabilities Product / Distribution of Duties for Sales & Distribution Work Unit and Product Liabilities Work Unit
Rapat Koordinasi Kanwil / Regional Office Coordination Meeting
7 Agustus 2015 / August 7, 2015
027/2015/DIRKOM
Presentasi Kinerja Unit Usaha Syariah / Presentation of the Performance of Sharia Business Unit
Unit Usaha Syariah / Sharia Business Unit
Quality Assurance (QA)
Kartu Kredit / Credit Card
Team Cheetah
Simulasi Penyerapan Biaya Cabang / Simulation of Branch Office’s Expense Absorption
Struktur Loan Recovery / Loan Recovery Structure
Tindak Lanjut PT. TET / Follow-up Actions to PT. TET
4 September 2015 / September 4,
2015031/2015/DIRKOM
Rencana Mikro 2016 / Micro Plan for 2016
Sosialisasi Rencana Penyerapan Biaya Cabang / Socialization of Branch Office’s Expense Absorption Plan
CAC
Peluang Bisnis Sekuritas / Opportunity in Securities Business
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.402
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Tanggal / Date Notulen / Minutes Agenda Rapat / Meeting Agenda
Laku Pandai / Branchless Banking
Bhinneka.com
Time Motion Study
Account Manager
Kartu Kredit / Credit Card
Call Centre
Notifikasi Nasabah / Customer’s Notifications
Laku Pandai / Branchless Banking
Service Quality
Tata Kelola Sertijab Direksi / governance of Hand Over of Board of Directors’ Membership
Training gCg untuk Direksi / gCg Training for the Board of Directors
System IT Bank
Salse Clinic
List Product Bank
Review Kebijakan Direktorat / Reviews of Directorate’s Policy
2 Oktober 2015 / October 2, 2015
035/2015/DIRKOMPresentasi dari Air Bank / Presentation from Air Bank
Laku Pandai / Branchless Banking
Corporate Internet Banking
Kerjasama dengan Alfamart dan OkeShop / Cooperation with Alfamart and OkeShop
Presentasi To Do List Direksi / Presentation of Board of Directors’ To-Do List
Struktur Organisasi / Organization Structure
6 Nopember 2015 / November 6, 2015
040/2015/DIRKOMLaku Pandai
Kartu Kredit / Credit Card
Presentasi Kantor Cabang Rugi Unit Usaha Syariah / Presentation of Sharia Business Units in Branch Offices Suffering from Loss
XT Cross Selling
Update PPOB dan MPN / Update on PPOB and MPN
4 Desember 2015 / December 4, 2015
043/2015/DIRKOM
Update To Do List Direktorat Dirut / Update of To-Do List of the President Director’s Directorate
Rencana Bisnis Bank / Bank’s Business Plan
Lion Air
Sistem Tracking Project / Tracking Project System
Standarisasi Kantor Cabang / Standardizations of Branch Offices
Design Simobi Plus
Unit Usaha Syariah / Sharia Business Units
Rekening Dana Nasabah (RDN) / Customer Funds Account (Rekening Dana Nasabah - RDN)
Annual Report 2015 | PT. BANK SINARMAS Tbk. 403
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
HUBUNgAN KERJA DEwAN KOMISARIS DAN DIREKSIDewan Komisaris dan Direksi berkomitmen untuk bersama-
sama menegakan sistem perbankan yang sehat dan kuat
untuk menerapkan prinsip-prinsip gCg dalam pengelolaan
bisnis perbankan Bank Sinarmas. Keselarasan tugas dan
tanggung jawab dari Dewan Komisaris dan Direksi dalam
menjalankan aktivitas operasional harian, akan berpengaruh
secara signifikan terhadap kemajuan dan kesehatan Perseroan.
Berdasarkan Anggaran Dasar Perusahaan, ada beberapa
keputusan Direksi yang harus mendapat persetujuan dari
Dewan Komisaris, yaitu:
• Melepaskanhakataumengagunkanbarangtidak
bergerak, termasuk hak atas tanah atau perusahaan-
perusahaan dengan cara apapun untuk jumlah kurang dari
½ (satu per dua) dari modal yang tercatat dalam neraca
dan perhitungan laba rugi yang telah disetujui dan/atau
disahkan oleh RUPS Tahunan.
• Memperolehdengancaraapapunbarangtidakbergerak,
termasuk hak atas tanah atau perusahaan.
• Menerimapinjamanuangdarisiapapun,apabilajumlah
pinjaman tersebut melebihi jumlah yang ditetapkan oleh
rapat Dewan Komisaris.
• Memberipinjamanuangkepadapihakterkait.
• Menghapusbukuterhadappokokpinjamankepadapihak
terkait maupun tidak terkait sesuai dengan ketentuan
yang berlaku di Bank.
• Menggadaikanataumengagunkanhartakekayaanbank
untuk jumlah lebih dari ½ (satu per dua) dari modal yang
tercatat dalam neraca dan perhitungan laba rugi yang
telah disetujui dan/atau disahkan oleh RUPS Tahunan.
Bank Sinarmas selalu mengedepankan independensi dari
anggota Dewan Komisaris dan Direksi sehingga tidak
terdapat benturan kepentingan dalam pelaksanaan tugas dan
tangungjawabnya secara mandiri dan kritis. Dalam Perseroan
tidak terdapat Dewan Komisaris dan anggota Direksi yang
merangkap jabatan sebagai Komisaris, Direksi maupun Pejabat
Eksekutif pada Bank/lembaga lain, serta tidak pula memiliki
hubungan keuangan dan hubungan keluarga dengan sesama
anggota Direksi dan/atau anggota Dewan Komisaris hingga
derajat kedua.
wORK RELATIONS OF BOARD OF cOMMISSIONERS AND BOARD OF DIREcTORSBoard of Commissioners and Board of Directors are committed
to upholding a healthy and strong banking system together
to implement the principles of gCg in the management of
Bank Sinarmas’ banking business. The balance of duties and
responsibilities between the Board of Commissioners and
Board of Directors in running its daily operational activity will
significantly affect the progress and health of the Company.
Based on the Company’s Articles of Association, there
are several Board of Directors’ decisions which have to be
approved by the Board of Commissioners, namely:
• Inanywaysreleasingrightsorcollateralizingrealestate,
including the rights on land and companies valued less
than ½ (half) of the capital recorded in balance sheet and
income statement approved and/or ratified by Annual
gMS.
• Inanywaysobtainingrealestateincludingtherightson
land or companies.
• Receivingloansfromanypartyiftheamountexceeds
the amount determined at the Board of Commissioners
meeting.
• Givingloanstorelatedparties.
• Towriteoffprincipalloanstorelatedorunrelatedparties
according to the prevailing regulation in the bank.
• Topawnorcollateralizethebank’sassetsfortheamount
of more than 1/2 (one half) of the capital recorded at the
balance sheet and income statement approved and/or
ratifed by the Annual gMS.
Bank Sinarmas always prioritizes the independency of
members of the Board of Commissioners and Board of
Directors to avoid conflict of interest in the implementation
of their duties and responsibilities in independent and critical
way. There is no member of the Board of Commissioners and
Board of Directors who concurrently serve as a Commissioner,
Director, or Executive Officer at other Bank/institutions. They
also do not have financial and family relationship up to the
second degree with their fellow members of the Board of
Directors and/or Board of Commissioners.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.404
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Tabel hubungan keluarga dan keuangan Anggota Dewan
Komisaris dan Direksi
Nama / Name
Hubungan Keuangan denganFinancial Relationship
Hubungan Keluarga denganFamily relationship
Dewan Komisaris /
Board ofCommissioners
Direksi / Board of Directors
Pemegang Saham /
Shareholders
Dewan Komisaris/
Board ofCommissioners
Direksi / Board of Directors
Pemegang Saham /
Shareholders
yes No yes No yes No yes No yes No yes No
Dewan Komisaris / Board of Commissioners
Tjendrawati Widjaja
x x x x x x
Sammy Kristamuljana
x x x x x x
Rusmin x x x x x x
Direksi / Board of Directors
Freenyan Liwang
x x x x x x
Heru Agus Wuryanto
x x x x x x
Loa Johnny Mailoa
x x x x x x
Halim x x x x x x
Salis Teguh Hartono x x x x x x
Hanafi Himawan x x x x x x
Soejanto Soetjijo* x x x x x x
Frenky Tirtowijoyo Susilo*
x x x x x x
Keterangan *) Efektif menjabat sebagai Direktur sejak 24 Maret 2015
ASSESSMENT DEwAN KOMISARIS DAN DIREKSIDalam setiap tahunnya, Dewan Komisaris dan Direksi
memberikan laporan pertanggungjawaban terhadap kinerja
yang dilakukan sepnajang tahun buku pada RUPS. RUPS
memiliki kewenangan untuk memberikan persetujuan atau
menolak laporan pertanggungjawaban Dewan Komisaris
dan Direksi. RUPS juga memberikan pembebasan tanggung
jawab kepada para anggota Direksi dan Dewan Komisaris atas
pengurusan dan pengawasan (acquit et de charge) yang telah
dijalankan untuk tahun buku yang berakhir.
Table of family and financial relationship of Members of Board
of Commissioners and Board of Directors
Note:*) Serving as Board of Commissioners effective from March 24, 2015
ASSESSMENT OF BOARD OF cOMMISSIONERS AND BOARD OF DIREcTORSEvery year, the Board of Commissioners and Directors provide
an accountability report on the performance conducted
throughout the fiscal year to the gMS. The gMS has an
authority to grant approval or denial to to the Board of
Commissioners and Directors’ accountability report. The gMS
also provides disclaimer to members of the Board of Directors
and Commissioners on the management and supervision
(acquit de charge) that have been carried out for the last fiscal
year.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 405
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
KEBIJAKAN DAN PROSEDUR PENETAPAN REMUNERASI DEwAN KOMISARIS DAN DIREKSIProsedur Penetapan Remunerasi Dewan Komisaris dan
Direksi
Berdasarkan keputusan RUPS sebagaimana dituangkan dalam
Akta No. 37 tanggal 12 Juni 2015 tentang Berita Acara
Rapat Umum Pemegang Saham Tahunan Bank Sinarmas,
penetapan remunerasi anggota Direksi dan anggota Dewan
Komisaris diserahkan kembali ke Dewan Komisaris dengan
memperhatikan usulan/masukan Komite Remunerasi dan
Nominasi.
Prosedur Penetapan Remunerasi Dewan Komisaris dan
Direksi Bank Sinarmas mempertimbangkan kinerja Perseroan,
business size, dan hasil remunerasi peer bank. Secara garis
besar penerapan remunerasi dilakukan melalui tahapan
berikut:
KOMITE REMUNERASI
DAN NOMINASI / COMMITTEE OF
REMUNERAION ANDNOMINATION
DEwAN KOMISARIS / BOARD OF
COMMISSIONERS
RUPS / gMS
POLIcIES AND PROcEDURES TO DETERMINE REMUNERATION FOR BOARD OF cOMMISSIONERS AND BOARD OF DIREcTORSProcedure to Determine Remuneration of the Board of
commissioners and Board of Directors
Pursuant to gMS decision as stated in the Deed No. 37
dated June 12, 2015 concerning Annual general Meeting
of Shareholders Agenda of Bank Sinarmas, the authority
to decide the remuneration for members of the Board of
Directors and Board of Directors is redelegated to the Board of
Commissioners where they are required to do it by considering
the recommendation from the Remuneration and Nomination
Committee.
Procedure to determine the remuneration for the Board of
Commissioners and Board of Directors of Bnak Sinarmas
considers the performance of the Company, business size,
and remuneration result of the bank’s peers. generally, the
remuneration is determined through the following stages:
Bank Sinarmas telah melaksanakan
sistem tata kelola perusahaan
yang baik sehingga Manajemen
dapat mempertanggungjawabkan
akuntabilitas keuangan, transparansi
dan perilaku yang sesuai dengan
kode etik kepada para pemangku
kepentingan.
Bank Sinarmas has implemented
good corporate governance
system, thus the management
can be accounted for financial
accountability, transparency and
behavior that is in accordance
with the code of conduct to the
shareholders.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.406
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Indikator Kinerja
Remunerasi Dewan Komisaris dan Direksi mengacu pada
indikator-indikator sebagai berikut:
• RemunerasidiberikandalamhalBankmemperoleh
keuntungan dalam tahun buku.
• Remunerasidiberikandenganmengacupada
perkembangan pasar industri perbankan.
• Remunerasidiberikanmelaluihasilpengukurankinerja
Dewan Komisaris dan Direksi yang sesuai dengan tugas
dan tanggung jawab.
• pencapaianKey Performance Indicator (KPI).
• Prestasikerjaindividu.
• PertimbangansasarandanstrategijangkapanjangBank.
Struktur Remunerasi yang Menunjukkan Komponen
Remunerasi dan Jumlah Nominal per Komponen untuk
Setiap Anggota Dewan Komisaris dan Direksi
Tabel jenis remunerasi dan Fasilitas Lain
Jenis Remunerasi dan Fasilitas Lain / Type of Remuneration and Other
Facilities
2015 2014 2013
Dewan Komisaris/ Board of
Commissioners
Direksi / Board of Directors
Dewan Komisaris/ Board of
Commissioners
Direksi / Board of Directors
Dewan Komisaris/ Board of
Commissioners
Direksi / Board of Directors
Orang / Person
Jutaan Rupiah / Million Rupiah
Orang / Person
Jutaan Rupiah / Million Rupiah
Orang / Person
Jutaan Rupiah / Million Rupiah
Orang / Person
Jutaan Rupiah / Million Rupiah
Orang / Person
Jutaan Rupiah / Million Rupiah
Orang / Person
Jutaan Rupiah / Million Rupiah
Remunerasi (gaji, bonus, tunjangan rutin, tantiem, dan fasilitas lainnya) / Remuneration (salary, bonus, regular allowance, tantiem, and other facilities)
3 2.329 8 12.376 3 2.246 6 7.857 3 2.172 6 6.763
Fasilitas lain dalam bentuk natura (perumahan, transportasi, asuransi kesehatan dan sebagainya/ Other facilities in the form of benefits-in-kind (house, transportation, health insurance, etc*):
a. Dapat dimiliki / Can be owned
3 31 8 31 3 59 6 245 3 33 6 237
b. Tidak dapat dimiliki / Cannot be owned
- - - - - - - - - - - -
Total 3 2.360 8 12.557 3 2.305 6 8.102 3 2.205 6 7.000
*) Dinilai dalam ekuivalen Rupiah / Estimated in Rupiah
Performance Indicators
Remuneration of the Board of Commissioners and Board of
Directors refers to the following indicators:
• Remuneration is given when the Bank obtains profit in the
fiscal year.
• Remuneration is given by referring to the development of
banking market industry.
• Remuneration is given based on the performance
assessment result of the Board of Commissioners
and Board of Directors regarding their duties and
responsibilities.
• Achievement of Key Performance Indicators (KPI).
• Individual achievements.
• Consideration of long-term targets and strategies of the
Bank.
Remuneration Structure that Shows Remuneration
component and Nominal Value per component for Each
Member of the Board of commissioners and Board of
Directors
Table of remuneration type and other facilities
Annual Report 2015 | PT. BANK SINARMAS Tbk. 407
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Jumlah anggota Dewan Komisaris dan Direksi yang menerima
paket remunerasi dalam satu tahun yang dikelompokan dalam
kisaran tingkat penghasilan adalah sebagai berikut:
Tabel rasio gaji tertinggi dan terendah
No Uraian / Description2015 2014 2013
Rasio / Ratio Rasio / Ratio Rasio / Ratio
1Rasio gaji pegawai yang tertinggi dan terendah / The ratio between the highest and lowest employee salary
1 : 44,55 1 :44.55 1 : 31,90
2Rasio gaji Direksi yang tertinggi dan terendah / The ratio between the highest and lowest Director salary
1 : 3,67 1 :3.67 1 : 4,00
3Rasio gaji Komisaris yang tertinggi dan terendah / The ratio between the highest and lowest Commissioner salary
1 : 2,38 1 :2.38 1 : 1,63
4Rasio gaji Direksi tertinggi dan pegawai tertinggi / The ratio between highest Director salary and the highest employee salary
1 : 5,18 1 :5.18 1 : 5,00
KEBIJAKAN KEBERAgAMAN DEwAN KOMISARIS DAN DIREKSIPertumbuhan ekonomi yang cenderung mengalami perbaikan
baik global maupun domestik memberikan harapan bagi
investor dan seluruh pemangku kepentingan lainnya agar
kinerja Bank Sinarmas lebih dioptimalkan. Hal ini turut
berimplikasi pada tuntutan adanya keahlian dan kompetensi
bagi jajaran kepemimpinan manajemen, dalam hal ini Dewan
Komisaris dan Direksi. guna memenuhi harapan tersebut,
Manajemen sepuhnya mendukung adanya keberagaman
komposisi Dewan Komisaris dan Direksi dengan berbagai
keahlian dan kompetensi yang dapat mendukung kemajuan
usaha Perseroan. Informasi mengenai keberagaman komposisi
Dewan Komisaris dan Direksi antara lain meliputi kualifikasi
akademik atau pendidikan, usia, serta keahlian adalah sebagai
berikut:
Tabel kebijakan keberagaman Dewan Komisaris dan Direksi
Nama / Name Jabatan / Position Keahlian / Expertise Usia / AgeJenis Kelamin /
gender
Dewan Komisaris / Board of Commissioners
Tjendrawati WidjajaKomisaris Utama /
President CommissionerEkonomi 53 tahun / years old Perempuan / Female
Sammy KristamuljanaKomisaris Independen
/ Independent Commissioner
Strategi dan Bisnis Internasional
61 tahun / years old Laki-laki / Male
RusminKomisaris Independen
/ Independent Commissioner
Bisnis 56 tahun / years old Laki-laki / Male
The following table shows the number of Commissioners and
Directors who receive remuneration package in a year based
on the estimated amount of income:
Table of the highest and lowest salary ratio
DIVERSITy POLIcy OF BOARD OF cOMMISSIONERS AND BOARD OF DIREcTORSglobal and domestic economic growth that is getting
better from time to time has boosted the confidence of the
investors and Stakeholders that Bank Sinarmas’ performance
will continue to improve. This condition will encourage
the demand for high expertise and competency from the
management leaders, in this case, the Board of Commissioners
and Board of Directors. In order to fulfill such expectation,
the management fully supports the diversity in the Board
of Commissioners and Board of Directors where they have
various expertises and competencies that can develop the
Company’s advancement in business. Information on the
diversity in the Board of Commissioners and Board of Directors
includes the following academic or educational qualification,
age, and expertises:
Table of diversity policy of the Board of Commissioners and
Board of Directors
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.408
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Nama / Name Jabatan / Position Keahlian / Expertise Usia / AgeJenis Kelamin /
gender
Direksi / Board of Directors
Freenyan LiwangDirektur Utama / President Director
Perdagangan Internasional
55 tahun / years old Laki-laki / Male
Heru Agus Wuryanto Direktur / DirectorEkonomi dan
Keuangan50 tahun / years old Laki-laki / Male
Halim Direktur / Director Ekonomi Akuntansi 54 tahun / years old Laki-laki / Male
Loa Johnny Mailoa Direktur / Director Bisnis 44 tahun / years old Laki-laki / Male
Salis Teguh HartonoDirektur Independen / Independent Director
Manajemen 47 tahun / years old Laki-laki / Male
Hanafi HimawanDirektur Independen / Independent Director
Ekonomi 56 tahun / years old Laki-laki / Male
Soejanto Soetjijo Direktur / Director Akuntansi 51 tahun / years old Laki-laki / Male
Frenky Tirtowijoyo Susilo Direktur / Director Administrasi Bisnis 40 tahun / years old Laki-laki / Male
KOMITE-KOMITE DI BAwAH DEwAN KOMISARISDalam melaksanakan fungsi pengawasan, Dewan Komisaris
dibantu oleh beberapa jajaran Komite di bawah Dewan
Komisaris yaitu Komite Audit, Komite Pemantau Risiko,
Komite Remunerasi dan Nominasi dan Komite Tata Kelola
Terintegrasi. Komite di bawah Dewan Komisaris tersebut,
diuraikan sebagai berikut:
Komite-Komite Di Bawah Dewan Komisaris
Committees Under The Board of Commissioners
KOMITE AUDIT /AUDIT COMMITTEE
KOMITE TATA KELOLA TERINTEgRASI
KOMITE REMUNERASI & NOMINASI /
REMUNERATION & NOMINATION COMMITTEE
KOMITE PEMANTAURISIKO / RISK
MONITORINg COMMITTEE
cOMMITTEES UNDER THE BOARD OF cOMMISSIONERSIn conducting their supervisory function, the Board of
Commissioners is assisted by several Committees under the
Board of Commissioners, namely Audit Committee, Risk
Monitoring Committee, Remuneration and Nomination
Committee, and gCg Committee. The following chart
depicts the composition of Committees under the Board of
Commissioners:
Annual Report 2015 | PT. BANK SINARMAS Tbk. 409
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
KOMITE AUDITDasar Hukum Pembentukan Komite Audit
Komite Audit dibentuk oleh Dewan Komisaris dan
menjalankan tugas dan tanggung jawab sesuai dengan
peraturan-peraturan yang berlaku. Komite Audit dibentuk
berdasarkan peraturan peraturan/perundangan diantaranya
sebagai berikut:
1. Undang Undang Republik Indonesia No. 40 tahun 2007
tentang Perseroan Terbatas.
2. Peraturan Bank Indonesia No. 8/4/PBI/2006 tentang
Pelaksanaan good Corporate governance Bagi Bank
Umum jo Peraturan Bank Indonesia No. 8/14/PBI/2006
tentang Perubahan atas PBI No. 8/4/PBI/2006 Pelaksanaan
Good Corporate Governance bagi Bank Umum.
3. Surat Edaran Bank Indonesia No.15/15/DPNP Tanggal
29 April 2013 Perihal Pelaksanaan good Corporate
governance Bagi Bank Umum.
4. Peraturan Bapepam Nomor IX.I.5 Tanggal 24 September
2004 Nomor: Kep-29/PM/2004 Perihal Pembentukan dan
Pedoman Pelaksanaan Kerja Komite Audit.
5. Peraturan Bapepam Nomor IX.I.5 Tanggal 24 September
2004 Nomor: Kep-29/PM/2004 Perihal Pembentukan dan
Pedoman Pelaksanaan Kerja Komite Audit.
6. Peraturan Bapepam Nomor IX.I.15 Tanggal 7 Desember
2012 Nomor: Kep-643/BL/2012 Pembentukan dan
Pedoman Pelaksanaan Kerja Komite Audit.
7. Peraturan Otoritas Jasa keuangan (OJK) Nomor : KEP-643/
BL/2012 Perihal Pembentukan dan Pedoman Pelaksanaan
Kerja Komite Audit.
8. Peraturan Bursa Efek Indonesia (BEI) Nomor I-A Tentang
Pencatatan Saham dan Efek bersifat Ekuitas selain Saham
yang Diterbitkan oleh Perusahaan tercatat.
Struktur dan Susunan Anggota Komite Audit
Anggota Komite Audit Bank terdiri dari seorang Komisaris
Independen, seorang dari Pihak Independen yang memiliki
keahlian di bidang keuangan atau akuntansi dan seorang
dari Pihak Independen yang memiliki keahlian di bidang
hukum atau perbankan. Keanggotaan Komite Audit telah
disahkan pada Surat Keputusan SK.002/2015/PRESDIR-CorSec
tertanggal 28 September 2015 tentang Perubahan Susunan
Anggota Komite Audit.
AUDIT cOMMITTEELegal Basis of Audit committee Establishment
The Company’s Audit Committee is established by the
Board of Commissioners and implements its duties and
responsibilities based on the applicable rules. The Audit
Committee is established based on the following laws/
regulations:
1. Law of the Republic Indonesia No. 40 of 2007 regarding
Limited Liability Company.
2. Bank Indonesia Regulation No. 8/4/PBI/2006 on the
implementation of good Corporate governance for
Commercial Banks jo Bank Indonesia Regulation No.
8/14/PBI/2006 on Changes on PBI No. 8/4/PBI/2006 on
the Implementation of good Corporate governance for
Commercial Banks.
3. Circular Letter of Bank Indonesia No.15/15/DPNP/dated
April 29, 2013 concerning the Implementation of good
Corporate governance for Commercial Banks.
4. Bapepam Regulation No. IX.I.5 dated September 24, 2004,
No. Kep-29/PM/2004 concerning the Establishment and
Work guidelines of Audit Committee.
5. Bapepam Regulation No. IX.I.5 dated September 24, 2004,
No. Kep-29/PM/2004 concerning the Establishment and
Work guidelines of Audit Committee.
6. Bapepam Regulation No. IX.I.5 dated December 7, 2012,
No. Kep-643/BL/2012 concerning the Establishment and
Work guidelines of Audit Committee.
7. Regulation of Financial Services Authority (OJK) No. KEP-
643/BL/2012 concerning the Establishment and Work
guidelines of Audit Committee.
8. Regulation of Indonesia Stock Exchange (IDX) No. I-A
concerning the Listing of Shares and Equity Securities
Other Than Shares Issued by Listed Companies.
Structure and composition of Members of Audit
committee
The Bank’s Audit Committee is composed of one Independent
Commissioner, one independent party with expertise in
finance and accounting fields and one independent party with
expertise in legal and banking fields. Membership of Audit
Committee of the Bank has been validated by virtue of Decree
No. SK.002/2015/PRESDIR-CorSec dated September 28,
2015, concerning the Changes in the Composition of Audit
Committee.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.410
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Tabel susunan keanggotaan Komite Audit
Nama / Name Jabatan / Position Masa Jabatan / Term of Office Keahlian / Expertise
Rusmin Ketua / HeadJuli 2014 - sekarang / July 2014
- nowPerbankan, ekonomi / Banking
and economics
Ketut Sanjaya Anggota / MemberJuli 2014 - sekarang / July 2014
- nowPerbankan / Banking
Rusli Prakarsa Anggota / Member28 September 2015 - Sekarang
/ September 28, 2015 - nowPerbankan, ekonomi / Banking
and economics
Anggota Komite Audit dapat diberhentikan apabila yang
bersangkutan berakhir masa jabatan keanggotaannya dan
berdasarkan keputusan Dewan Komisaris, serta diberhentikan
karena tidak memenuhi kinerja yang telah ditetapkan dan/
atau tidak kompeten dalam menjalankan tugasnya.
Profil Komite Audit
Rusmin - Ketua
Profil Ketua Komite Audit sudah disajikan dalam profil Dewan
Komisaris.
Ketut Sanjaya - Anggota
Warga Negara Indonesia, 65 tahun. Bergabung dengan Bank
Sinarmas sejak 2011. Sebelumnya menjabat sebagai Komisaris
PT Bank Barclays Indonesia dan merupakan Pejabat Karier di
Bank Indonesia dengan posisi: Peneliti Senior Perbankan pada
2008-2009, Direktur Pengawasan Bank pada 2007-2008,
Pemimpin Bank Indonesia cabang Denpasar pada 2004-2007,
Pengawas Bank pada 1994-2004, Pemeriksa Bank pada 1985-
1994 dan Analis Kredit pada 1979-1983. Beliau lulus dari
Universitas Padjajaran, Bandung pada 1977 jurusan Teknik
dan Master of Management di ADL Management Education
Institute, Boston, USA pada tahun 1984.
Rusli Prakarsa - Anggota
Warga Negara Indonesia, 74 tahun. Bergabung dengan Bank
Sinarmas sejak 28 September 2015. Sebelumnya menjabat
sebagai Wakil Presiden Komisaris PT Bank Panin pada 1975 -
2000, Presiden Komisaris dan Ketua Tim Pengelola PT Bank
International Indonesia pada 2000 - 2002, Anggota Komite
Audit PT SMART Tbk pada 2002 - 2010, Anggota Komite
Audit PT Indah Kiat Pulp & Paper Tbk pada 2002 - 2013,
Anggota Komite Audit PT Lontar Papyrus Pulp and Paper
Industry pada 2013 - Agustus 2015, Anggota Komite Audit PT
Duta Pertiwi Tbk pada 01 Sept. 2015 - Sekarang dan anggota
Komite Audit PT Bumi Serpong Damai Tbk pada 1 September
2015 - Sekarang. Beliau meraih gelar Sarjana Ekonomi dari
Universitas Sumatera Utara pada tahun 1969.
Table of composition of Audit Committee
Members of the Audit Committee can be dismissed when the
member’s term of office expires and based on the decision
of the Board of Commissioners, when they are unable to
fulfill the performance standard that has been set and/or
incompetent in doing their duties.
Profile of Audit committee
Rusmin - Head
Profile of Head of Audit Committee has been presented in the
profile of Board of Commissioners.
Ketut Sanjaya - Member
Indonesian Citizen, 65 years old. Joining Bank Sinarmas
since 2011. Previously served as a Commissioner for PT Bank
Barclays Indonesia and is a Career Officer in Bank Indonesia
with the positions: Senior Banking Researcher in 2008 - 2009,
Bank Supervision Director in 2007 - 2008, Chairman of Bank
Indonesia, Denpasar Branch in 2004 - 2007, Bank Supervisor
in 1994 - 2004, Bank Examiner in 1985 - 1994 and Credit
Analyst in 1979 - 1983. He graduated from Padjajaran
University, Bandung, in 1977 majoring in Engineering and
Master of Management in ADL Management Education
Institute, Boston, USA in 1984.
Rusli Prakarsa - Member
Indonesian Citizen, 74 years old. Joining Bank Sinarmas
since September28, 2015. Previously served as Vice President
Commissioner for PT Bank Panin in 1975 - 2000, President
Commissioner and Head of Management Team in PT Bank
International Indonesia in 2000 - 2002, Audit Committee
Member for PT SMART Tbk in 2002 - 2010, Audit Committee
Member for PT Indah Kiat Pulp & Paper in 2002 - 2013, Audit
Committee Member for PT Lontar Papyrus Pulp and Paper
Industry in 2013 - August 2015, audit Committee Member
for PT DUta Pertiwi Tbk on September 1, 2015 present and
Audit Committee Member for PT Bumi Serpong Damai Tbk
on September 01, 2015 - present. He obtained his Bachelor’s
degree in Economics in the University of North Sumatra in
1969.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 411
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Keanggotaan Komite Audit telah sesuai dengan yang
disyaratkan oleh ketentuan Bank Indonesia tentang
pelaksanaan gCg dan Piagam Komite Audit.
Independensi Komite Audit
Dalam menjalankan Tugas dan Tanggung Jawabnya, Komite
Audit bertindak secara independen, serta tidak menerima/
melakukan intervensi dari/kepada Pihak lainnya. Anggota
Komite Audit tidak terkait dengan Pemegang Saham, Dewan
Komisaris, dan Direksi. Anggota Komite Audit yang berasal
dari luar Bank tidak memiliki kepentingan serta keterkaitan
yang bersifat pribadi sehingga dapat menimbulkan benturan
kepentingan (conflict of interest) dengan Bank.
Tabel independensi Komite Audit
Aspek Independensi RusminKetut
SanjayaRusli
Prakarsa
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi / Not having financial relationship with members of the Board of Commissioners and Board of Directors
Tidak ada / Nil
Tidak ada / Nil
Tidak ada / Nil
Tidak memiliki hubungan kepemilikan saham di perusahaan / Not having share ownership within the Bank
Tidak ada / Nil
Tidak ada / Nil
Tidak ada / Nil
Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan serta perusahaan afiliasi / Not having any managerial relationship in the Bank, subsidiaries and affiliations
Tidak ada / Nil
Tidak ada / Nil
Tidak ada / Nil
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau anggota Komite Audit / Not having any familial relationship with the Board of Commissioners, Board of Directors and/or other members of Audit Committee
Tidak ada / Nil
Tidak ada / Nil
Tidak ada / Nil
Tidak menjabat sebagai pengurus partai politik, pejabat dan pemerintah / Not serving as the management of a political party and government officials
Tidak ada / Nil
Tidak ada / Nil
Tidak ada / Nil
Piagam Komite Audit
Dalam melaksanakan tugas dan tanggung jawab untuk
melakukan kontrol dan pengkajian terhadap organisasi
internal Bank, maka dalam melaksanakan kewajibannya,
Komite Audit telah dilengkapi dengan pedoman kerja yang
ditetapkan dalam Piagam Komite Audit. Piagam Komite
Audit berisi antara lain mengenai tugas dan tanggung jawab
komite, uraian prosedur kerja dan kewenangan dari Komite
Audit. Piagam Komite Audit tersebut disusun berdasarkan
peraturan dan undang-undang yang berlaku dan senantiasa
ditinjau ulang secara berkala pada tahun 2012 dan mengalami
perubahan terakhir yaitu Piagam Audit Rev.01/2015 yang
telah disahkan tertanggal 31 Desember 2015. Piagam Komite
Audit berisi :
1. Pembentukan
2. Dasar Hukum
3. Susunan dan Syarat Anggota
The membership of Audit Committee is in accordance with
what is required by the provision of Bank Indonesia on the
implementation of gCg and Audit Committee Charter.
Independency of Audit committee
In conducting their duties and responsibilities, Audit
Committee acts independently and does not accept
intervention from or intervene with other Parties. Members
of Audit Committee does not have any relationship with the
Shareholders, members of Board of Commissioners, and
members of Board of Directors. Audit Committee members
who come from external parties of the Bank do not have any
personal interest or relation that can rouse conflict of interest
with the Bank.
Table of Audit Committee’s independency
Audit committee charter
In carrying out the duties and responsibilities for controlling
and reviewing the internal organization of the Bank, the Audit
Committee has established a work guideline that is set in the
Audit Committee Charter. The Charter consists of, among
others, duties and responsibilities of the committee and the
description on the work procedure and authority of the Audit
Committee. The Audit Committee Charter is drafted based
on the prevailing laws and regulations, and was reviewed
periodically in 2012. The last amendment to the Charter was
stipulated in the Audit Charter Rev.01/2015 that had been
approved on December 31, 2015. The Audit Committee
Charter consists of:
1. Establishment
2. Legal Basis
3. Composition and Requirements for Members
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.412
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
4. Pengangkatan atau Pemberhentian
5. Tugas dan Tanggung Jawab
6. Wewenang
7. Masa Tugas
8. Kode Etik
9. Tata Cara dan Prosedur Kerja
10. Ketentuan Rapat
11. Pelaporan
12. Masa Berlaku Piagam
13. Penanganan dan Pengaduan pada Pelaporan Keuangan
Tugas dan Tanggung jawab
Komite Audit bertanggung jawab kepada Dewan Komisaris
terkait melakukan kontrol dan pengkajian terhadap organisasi
internal bank meliputi akuntansi dan pelaporan keuangan
serta proses audit internal dan eksternal, mengidentifikasi
hal-hal yang memerlukan perhatian Dewan Komisaris, dan
memberikan rekomendasi kepada Dewan Komisaris. Tugas
dan Tanggung Jawab Komite Audit antara lain meliputi
namun tidak terbatas pada:
1. Melakukan penelaahan atas informasi keuangan yang
akan dikeluarkan Perseroan kepada publik dan/atau
pihak otoritas antara lain laporan keuangan, proyeksi,
dan laporan lainnya terkait dengan informasi keuangan
Perseroan.
2. Melakukan penelaahan atas ketaatan terhadap peraturan
perundang-undangan yang berhubungan dengan kegiatan
Perseroan;
3. Memberikan pendapat independen dalam hal terjadi
perbedaan pendapat antara manajemen dan Akuntan atas
jasa yang diberikannya;
4. Memberikan rekomendasi kepada Dewan Komisaris
mengenai penunjukan Akuntan yang didasarkan kepada
independensi, ruang lingkup penugasan, dan fee;
5. Melakukan penelaahan atas pelaksanaan pemeriksaan
oleh auditor internal dan mengawasi pelaksanaan tindak
lanjut oleh Direksi atas temuan auditor internal;
6. Melakukan penelaahan terhadap aktivitas pelaksanaan
manajemen risiko yang dilakukan oleh Direksi, jika
Perseroan tidak memiliki fungsi pemantau risiko di bawah
Dewan Komisaris;
7. Menelaah pengaduan yang berkaitan dengan proses
akuntansi dan pelaporan keuangan Perseroan;
4. Appointment and Dismissal
5. Duties and Responsibilities
6. Authority
7. Tenure
8. Code of Conduct
9. Work guideline and Procedure
10. Meeting’s Regulations
11. Reporting
12. Validity of the Charter
13. Management of and Complaint in the Financial Reporting
Procedure
Duties and Responsibilities
Audit Committee is responsible to the Board of Commissioners
in relation to the controlling and reviewing functions on
the internal organization of the Bank, encompassing the
accounting and financial reporting procedure, as well as
the internal and external audit processes. Furthermore, the
Audit Committee also functions to identify matters that
require Board of Commissioners’ attention and to provide
recommendations to the Board of Commissioners. Duties and
Responsibilities of Audit Committee cover, but not limited to,
the following points:
1. Reviewing financial information to be disclosed by the
Bank to the public and/or authorities. The financial
information to be disclosed covers the financial
statements, projections, and other reports related to the
Bank’s financial information;
2. Reviewing the compliance of the Bank with the laws and
regulations related to the Bank’s business activities;
3. giving independent opinions in the event of dissenting
opinion existing between the management and the
Accountants regarding their rendered services;
4. Providing recommendations to the Board of
Commissioners regarding the appointment of
Accountants. The recommendations are based on the
independency, scope of assignment, and fee;
5. Reviewing the audit results of internal auditors and
supervising the follow-ups of the internal audit results
carried out by the Board of Directors;
6. Reviewing the implementation of risk management
activities conducted by the Board of Directors, in the event
of the Bank does not have risk oversight function under
the Board of Commissioners;
7. Reviewing the complaints related to the accounting
process and financial reporting of the Bank;
Annual Report 2015 | PT. BANK SINARMAS Tbk. 413
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
8. Menelaah dan memberikan saran kepada Dewan
Komisaris terkait dengan adanya potensi benturan
kepentingan Perseroan;
9. Menjaga kerahasiaan dokumen, data dan informasi
Perseroan
wewenang Komite Audit
Dalam melaksanakan tugasnya, Komite Audit memiliki
wewenang sebagai berikut :
• Memperolehdokumen,data,daninformasitentang
Perseroan yang berkaitan dengan pengendalian intern.
• MelakukankoordinasidenganSatuanKerjaAuditInternal
atau unit kerja lainnya apabila diperlukan.
Laporan Singkat Pelaksanaan Tugas Tahun Berjalan
Selama periode 2015, Komite Audit telah melakukan
tindakan-tindakan antara lain:
1. Menerima laporan audit Mulyamin, Sensi, Suryanto, dan
Lianny atas Laporan Keuangan Bank Sinarmas tahun 2014.
2. Mengkaji dan memantau proses tindak lanjut atas laporan-
laporan hasil audit internal.
3. Membahas dan merekomendasikan usulan pemilihan
Kantor Akuntan Publik Mulyamin, Sensi, Suryanto & Lianny
kepada Dewan Komisaris untuk melakukan audit laporan
keuangan Bank untuk periode 2015.
4. Melakukan pertemuan dengan Kantor Akuntan Publik
Mulyamin, Sensi, Suryanto, dan Lianny untuk membahas
cakupan audit atas Laporan Keuangan Bank Sinarmas
tahun buku 2015.
5. Menerima dan menindaklanjuti hasil audit Otoritas Jasa
Keuangan (d/h) Bank Indonesia.
6. Menyampaikan hasil pemantauan dan rekomendasi
Komite Audit dalam bentuk Memorandum kepada Dewan
Komisaris.
7. Menerima rangkuman rencana kerja SKAI tahun 2016.
Frekuensi dan Tingkat Kehadiran Rapat Komite Audit
Berdasarkan ketentuan rapat dalam Piagam Audit
Rev.01/2015 yang telah disahkan tertanggal 31 Desember
2015, rapat komite diselenggarakan sekurang-kurangnya 1
(satu) kali dalam 3 (tiga) bulan. Selama tahun 2015, Komite
Audit telah mengadakan rapat sebanyak 6 (enam) kali dengan
rekap absensi rapat sebagai berikut:
8. Reviewing the potential of conflict of interest faced by
the Bank and providing recommendations to the Board of
Commissioners related to such matters;
9. Keeping the confidentiality of documents, data and
information of the Bank.
Authority of Audit committee
In conducting their duties, the Audit Committee has authority
as follows:
• Obtaindocuments,dataandinformationregardingthe
Bank that are related to the internal control.
• CoordinatewiththeInternalAuditWorkUnitorother
work units if deemed necessary.
Brief Report of the Implementation of Duties in the
current year
During 2015, the Audit Committee has performed the
following actions:
1 Received audit report Mulyamin, Sensi, Suryanto, and
Lianny on the Financial Statement of Bank Sinarmas in
2014.
2. Reviewed and monitored the follow-up process on the
results of internal audit reports.
3. Discussed and provided recommendation on the selection
of Public Accountant Mulyamin, Sensi, Suryanto & Lianny
to the Board of Commissioners to carry out audit on the
Bank’s financial statements for the 2015 period.
4. Organized meetings with the Public Accountant Mulyamin,
Sensi, Suryanto, and Lianny to discuss scope of audit on
the Financial Statement of Bank Sinarmas in 2015 fiscal
year.
5. Received and followed-up the audit result of Financial
Services Authority (d/h) Bank Indonesia.
6. Submitted the result of monitoring and recommendation
of Audit Committee in the form of Memorandum to the
Board of Commissioners.
7. Received the summary of SKAI work plan for 2016
Frequency and Attendance Rate of Audit committee
Meeting
Pursuant to the meeting stipulation in the Audit Committee
Charter Rev.01/2015, validated on December 31, 2015,
meeting of the committee is held, at the very least, once in 3
(three) months. During 2015, the Audit Committee held 6 (six)
meetings with the attendance and frequency as follows:
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.414
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Tabel kehadiran rapat Komite Audit
No Nama / Name Jabatan / PositionFrekuensi Kehadiran / Attendance Frequency
1 Rusmin Ketua / Head 6/6
2 Edwin Hidayat Abdullah* Anggota / Member 3/3
3 Agustinus Antonius** Anggota / Member 4/4
4 Ketut Sanjaya Anggota / Member 6/6
5 Rusli Prakarsa*** Anggota / Member 2/2
*mengundurkan diri efektif sejak 27 Juli 2015**mengundurkan diri efektif sejak 7 Agustus 2015***efektif menjabat sebagai anggota Komite Audit sejak 28 September 2015
Tabel rekap absensi rapat Komite Audit
Tanggal / Date
Komite Audit / Audit Committee
Rusmin Ketut SanjayaEdwin Hidayat
Abdullah*Agustinus
Antonius**Rusli
Prakarsa***
16 Januari 2015 / January 16, 2015
√ √ √ √Belum menjabat sebagai anggota Komite Audit / Have not been
serving as a member of Audit
Committee
27 Februari 2015 / February 27, 2015
√ √ √ √
16 April 2015 / April 16, 2015
√ √ √ √
6 Agustus 2015 / August 6, 2015
√ √
Mengundurkan diri / Resign
√
22 Oktober 2015 / October 22, 2015
√ √Mengundurkan
diri / Resign
√
29 Oktober 2015 / October 29, 2015
√ √ √
*mengundurkan diri efektif sejak 27 Juli 2015**mengundurkan diri efektif sejak 7 Agustus 2015***efektif menjabat sebagai anggota Komite Audit sejak 28 September 2015
Agenda Rapat Komite Audit
Agenda rapat Komite audit di tahun 2015, diantaranya
membahas sebagai berikut :
Tanggal / Date Notulen Agenda Rapat / Meeting Agenda
16 Januari 2015 / January 16, 2015
RR No.001/2015/KATindaklanjut Rekomendasi atas hasil rapat tanggal 10 Oktober 2014 / Follow-up on the Recommendations of meeting’s decision on October 10, 2014
Informasi Fraud di KC Denpasar / Information on Fraud in Denpasar Branch Office
Pokok-pokok Hasil Pemeriksaan SKAI - Triwulan IV/2014
Pembahasan terkait surat OJK No.S-77/PB.331/2014 perihal Laporan Hasil Kaji Ulang Pihak Ekstern Atas Kinerja SKAI PT. Bank Sinarmas Tbk. Discussion on OJK letter No. S-77/PB.331/2014 concerning Report on the Results of External Party’s Review on the Performance of SKAI PT. Bank Sinarmas Tbk.
Table of meeting attendance of Audit Committee
* resign from his position effective since July 27, 2015** resign from his position effective since August 7, 2015*** effectively serving as the member of Audit Committee since September 28, 2015
Table of absence list of Audit Committee
* resign from his position effective since July 27, 2015** resign from his position effective since August 7, 2015*** effectively serving as the member of Audit Committee since September 28, 2015
Meeting Agenda of Audit committee
Meeting of Audit Committee during 2015 discussed the
following agenda:
Annual Report 2015 | PT. BANK SINARMAS Tbk. 415
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Tanggal / Date Notulen Agenda Rapat / Meeting Agenda
Pembahasan terkait surat OJK No.S-73/PB.33/2014 perihal Laporan Hasil Pemeriksaan Umum PT. Bank Sinarmas Tbk. posisi 31 Januari 2014 / Discussion on OJK letter No. S-73/PB.33/2014 concerning Report on the Results of general Assessment of PT. Bank Sinarmas Tbk. on January 31, 2014
Pembahasan terkait surat OJK No.S-96/PB.331/2014 perihal Laporan Final Audit dan Management Letter dari KAP posisi 31 Desember 2013 / Discussion on OJK letter No. S-96/PB.331/2014 concerning Final Report on Audit and Management Letter from KAP on December 31, 2013
Penunjukan KAP / Appointment of Public Accounting Firm
27 Februari 2015 / February 27, 2015
RR No.002/2015/KAHasil Temuan KAP Atas Audit Laporan Keuangan Tahun 2014 / Findings of Public Accounting Firm in the Audit of 2014 Financial Statements
16 April 2015 / April 16, 2015
RR No.003/2015/KA
Tindaklanjut Memo Rekomendasi Dewan Komisaris terkait hasil rapat Komite Audit tanggal 16 Januari 2015 / Follow-up on the Memo of the Recommendations of the Board of Commissioners related to the meeting decisions of Audit Committee on January 16, 2015
Tindaklanjut surat OJK perihal Laporan Hasil Kaji Ulang Pihak Ekstern atas Kinerja SKAI / Follow-up on the Letter from OJK concerning the Report of External Party’s Review on the Performance of SKAI
Tindaklanjut surat OJK perihal Laporan Final Audit dan Management Letter dari KAP posisi 31 Desember 2013 / Follow-up on the Letter from OJK concerning the Final Report of Audit and Management Letter from Public Accounting Firm on December 31, 2013
Hasil Pemeriksaan SKAI Triwulan I-2015 / Audit Results of SKAI for Q1 of 2015
6 Agustus 2015 / August 6, 2015
RR No.004/2015/KA
Tindaklanjut Memo Rekomendasi Dewan Komisaris terkait hasil rapat Komite Audit tanggal 17 April 2015 / Follow-up on the Memo of the Recommendations of the Board of Commissioners related to the meeting decisions of Audit Committee on April 17, 2015
Tindaklanjut surat OJK perihal Laporan Hasil Kaji Ulang Pihak Ekstern atas Kinerja SKAI / Follow-up on the Letter from OJK concerning the Report of External Party’s Review on the Performance of SKAI
Tindaklanjut surat OJK perihal Final Audit dan Management Letter dari KAP posisi 31 Desember 2013 / Follow-up on the Letter from OJK concerning the Final Report of Audit and Management Letter from Public Accounting Firm on December 31, 2013
Hasil Pemeriksaan OJK pada Bank Sinarmas / Result of OJK Assessment on Bank Sinarmas
Hasil Pemeriksaan SKAI / Audit Results of SKAI
22 Oktober 2015 / October 22, 2015
RR No.005/2015/KA
Tindaklanjut Memo Rekomendasi Dewan Komisaris terkait hasil rapat Komite Audit 6 Agustus 2015 / Follow-up on the Memo of the Recommendations of the Board of Commissioners related to the meeting decisions of Audit Committee on August 6, 2015
Tindaklanjut Penyelesaian Temuan OJK (target date s.d September 2015) / Follow-up on the Settlement of OJK’s Findings (target date: up to September 2015)
Tindaklanjut Pemeriksaan SKAI Triwulan I/2015
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.416
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Tanggal / Date Notulen Agenda Rapat / Meeting Agenda
Hasil Pemeriksaan SKAI Triwulan III/2015/ Audit Results of SKAI for Q3 of 2015
Usulan Format Pre-Audit Checklist / Recommendations for the Format of Pre-Audit Checklist
29 Oktober 2015 / October 29, 2015
RR No.006/2015/KAAudit Laporan Keuangan PT. Bank Sinarmas Tbk. Tahun 2015 oleh Kantor Akuntan Publik
Rekomendasi Komite Audit Kepada Dewan Komisaris
Sesuai dengan Piagam Audit Rev.01/2015 yang telah disahkan
tertanggal 31 Desember 2015, salah satu tugas Komite Audit
adalah memberikan rekomendasi kepada Dewan komisaris
terkait dengan kontrol terhadap organisasi internal Bank.
Tabel rekomendasi Komite Audit terhadap Dewan Komisaris
Tanggal / Dated No. Memo Perihal / Topic
23 Januari 2015 / January 23, 2015
M.002/2015/PRESKOM-KALaporan Hasil Rapat Komite Audit Tanggal 16 Januari 2015 / Report on the meeting decision of Audit Committee on January 16, 2015
2 Maret 2015 / March 2, 2015
M.010/2015/PRESKOM-KALaporan Hasil Rapat Komite Audit dan KAP Tanggal 27 Februari 2015 / Report on the meeting decision of Audit Committee and Public Accounting Firm on February 27, 2015
5 Mei 2015 / May 5, 2015 M.015A/2015/PRESKOM-KALaporan Hasil Rapat Komite Audit Tanggal 17 April 2015 / Report on the meeting decision of Audit Committee on April 17, 2015
19 Agustus 2015 / August 19, 2015
M.024A/2015/PRESKOM-KALaporan Hasil Rapat Komite Audit Tanggal 6 Agustus 2015 / Report on the meeting decision of Audit Committee on August 6, 2015
29 Oktober 2015 / October 29, 2015
M.028/2015/PRESKOM-KALaporan Hasil Rapat Komite Audit Tanggal 22 Oktober 2015 / Report on the meeting decision of Audit Committee on October 22, 2015
5 November 2015 / November 5, 2015
M.030A/2015/PRESKOM-KALaporan Hasil Rapat Komite Audit dan KAP Tanggal 29 Oktober 2015 / Report on the meeting decision of Audit Committee and Public Accounting Firm on October 29, 2015
KOMITE PEMANTAU RISIKOKomite Pemantau Risiko dibentuk oleh Dewan Komisaris dan
menjalankan tugasnya sesuai peraturan, di antaranya adalah
sebagai berikut:
1. Undang-undang No. 40 tahun 2007 tentang Perseroan
Terbatas.
2. Peraturan Bank Indonesia Nomor: 8/4/2006 Tentang
Pelaksanaan Good Corporate Governance.
3. Peraturan Bank Indonesia Nomor: 8/14/2006 Tentang
Perubahan Atas Peraturan Bank Indonesia Nomor:
8/4/2006 Tentang Pelaksanaan Good Corporate
Governance.
Audit committee Recommendations to the Board of
commissioners
In line with the Audit Committee Charter Rev.01/2015 that
had been validated on December 31, 2015, one of the duties
of Audit Committee is to provide recommendations to the
Board of Commissioners related to the control of the Bank’s
internal organizations.
Table of recommendations of Audit Committee to the Board
of Commissioners
RISK MONITORINg cOMMITTEERisk Monitoring Committee is established by the Board of
Commissioners and performs its duties in accordance with the
regulations, as follows:
1. Law No. 40 of 2007 concerning Limited Liability Company.
2. Regulation of Bank Indonesia No. 8/4/2006 concerning the
Implementation of good Corporate governance.
3. Regulation of Bank Indonesia No. 8/14/2006 concerning
the Amendment to the Regulation of Bank Indonesia
No. 8/4/2006 concerning the Implementation of good
Corporate governance.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 417
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
4. Surat Edaran Bank Indonesia No. 15/15/DPNP Tanggal
29 April 2013 Perihal Surat Edaran kepada Semua Bank
Umum Konvensional di Indonesia.
Komite Pemantau Risiko dibentuk untuk mendukung
pelaksanaan fungsi Dewan Komisaris dalam mengawasi
efektivitas proses manajemen risiko meliputi proses
identifikasi, pengukuran, pemantauan, dan pengendalian
risiko pada Bank. Komite Pemantau Risiko berkoordinasi
dengan Komite Manajemen Risiko dan Satuan Kerja
Manajemen Risiko.
Struktur dan Susunan Komite Pemantau Risiko
Anggota Komite Pemantau Risiko Bank terdiri dari seorang
Komisaris Independen, seorang dari Pihak Independen yang
memiliki keahlian di bidang keuangan atau akuntansi dan
seorang dari Pihak Independen yang memiliki keahlian di
bidang manajemen risiko. Keanggotaan Komite Pemantau
Risiko telah disahkan pada Surat Keputusan SK.023/2015/
PRESDIR-CorSec tentang Perubahan Susunan Anggota Komite
Pemantau Risiko tertanggal 28 September 2015.
4. Circular Letter of Bank Indonesia No. 15/15/DPNP dated
April 29, 2013 concerning the Circular Letter to All
Conventional Public Banks in Indonesia.
The Risk Monitoring Committee functions to assist the duties
of the Board of Commissioners in supervising the effectiveness
of risk management process, which covers the identification,
measurement, supervision and control of risks in the Bank.
The Risk Monitoring Committee coordinates with the Risk
Management Committee and Risk Management Work Unit.
Structure and composition of Risk Monitoring
committee
The Bank’s Risk Monitoring Committee is composed of
one Independent Commissioner, one independent party
with expertise in finance and accounting fields, and one
independent party with expertise in risk management field.
Membership of Risk Monitoring Committee of the Bank has
been validated by virtue of Decree No. SK.023/2015/PRESDIR-
CorSec dated September 28, 2015, concerning the Changes
in the Composition of Risk Monitoring Committee.
Melalui slogan “Solusi
Perbankan Anda”, Serve and
Respect, dan We Always Care,
kami senantiasa melayani dan
memenuhi kebutuhan nasabah
dengan senang hati.
Through the slogan “Solusi
Perbankan Anda” (“your Banking
Solution), Serve and Respect, and
We Always Care”, we are pleased
to continuously serve and fulfill our
customers’ needs.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.418
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Tabel struktur dan susunan Komite Pemantau Risiko
Nama / Name Posisi / Position Periode Jabatan / Period of Service Keahlian / Expertise
Sammy Kristamuljana Ketua / Head Juli 2014 - Sekarang / July 2014 - now
• Ekonomi/Economy• Akuntansi/Accounting• Manajemen&StrategiBisnis
/ Management & Business Strategy
Tjendrawati WidjajaAnggota / Member
Juli 2014 - Sekarang / July 2014 - now• Ekonomi/Economy• Keuangan/Finance• Perbankan/Banking
Ketut SanjayaAnggota / Member
2014 - Sekarang / 2014 - now• Manajemen/Management• Perbankan/Banking
Rusli PrakarsaAnggota / Member
2015 - Sekarang / 2015 - now• Ekonomi/Economy• Perbankan/Banking
Profil Komite Pemantau Risiko
Sammy Kristamuljana - Ketua
Profil Ketua Komite sudah disajikan dalam profil Dewan
Komisaris.
Tjendrawati widjaja - Anggota
Profil anggota Komite sudah disajikan dalam profil Dewan
Komisaris.
Ketut Sanjaya - Anggota
Profil anggota Komite sudah disajikan dalam profil anggota
Komite Audit.
Rusli Prakarsa - Anggota
Profil anggota Komite sudah disajikan dalam profil anggota
Komite Audit.
Keanggotaan Komite Pemantau Risiko telah sesuai dengan
yang disyaratkan oleh ketentuan Bank Indonesia tentang
pelaksanaan gCg dan Piagam Komite Pemantau Risiko.
Independensi Komite Pemantau Risiko
Dalam menjalankan Tugas dan Tanggung Jawabnya, Komite
Pemantau Risiko bertindak secara independen, serta tidak
menerima/melakukan intervensi dari/kepada Pihak lainnya.
Anggota Komite Pemantau Risiko tidak terkait dengan
Pemegang Saham, Dewan Komisaris, dan Direksi. Anggota
Komite Pemantau Risiko yang berasal dari luar Bank tidak
memiliki kepentingan serta keterkaitan yang bersifat pribadi
sehingga dapat menimbulkan benturan kepentingan (conflict
of interest) dengan Bank.
Table of structure and composition of Risk Monitoring
Committee
Profile of Risk Monitoring committee
Sammy Kristamuljana - Head
Profile of Head of Committee has been presented in the Board
of Commissioners’ profile.
Tjendrawati widjaja - Member
Profile of the Committee member has been presented in the
Profile of the Board of Commissioners
Ketut Sanjaya - Member
Profile of the Committee member has been presented in the
Profile of the Board of Commissioners
Rusli Prakarsa - Member
Profile of the Committee member has been presented in the
Profile of the Board of Commissioners
Membership of the Risk Monitoring Committee is in
accordance with the requirements of Bank Indonesia
Provision on the implementation of gCg and Risk Monitoring
Committee Charter.
Independency of Risk Monitoring committee
In carrying out its duties and responsibilities, Risk Monitoring
Committee acts independently, and does not intervene /
intervened to/from other parties. Members of Risk Monitoring
Committee do not related to Shareholders, Board of
Commissioners, and Board of Directors. Members who are
originated from outside the Bank do not have personal
interest and relation that may cause conflict of interest with
the Bank.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 419
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Independensi Komite Audit telah memenuhi ketentuan Bank
Indonesia tentang pelaksanaan gCg antara lain:
Aspek Independensi / Aspect of IndependencySammy
KristamuljanaTjendrawati
widjajaKetut Sanjaya Rusli Prakarsa
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi / No financial relations with the Board of Commissioners and Board of Directors
Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill
Tidak memiliki hubungan kepemilikan saham di perusahaan / No share ownership relations in the Company
Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill
Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan serta perusahaan afiliasi / No management relations in the Company, subsidiaries, and affiliated companies.
Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau anggota Komite Audit / No family relations with the Board of Commissioners, Board of Directors, and/or Audit Committee members.
Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill
Tidak menjabat sebagai pengurus partai politik, pejabat dan pemerintah / Does not serve as management of political parties, officials and governments
Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill
Piagam Komite Pemantau Risiko
Dalam melaksanakan tugas dan tanggung jawab untuk
melakukan kontrol dan pengkajian terhadap atas profil
risiko bank secara komprehensif, maka dalam melaksanakan
kewajibannya, Komite Pemantau Risiko telah dilengkapi
dengan pedoman kerja yang ditetapkan dalam Piagam Komite
Pemantau Risiko. Piagam Komite Pemantau Risiko berisi
antara lain mengenai tugas dan tanggung jawab komite,
uraian mengenai prosedur kerja dan kewenangan dari Komite
Pemantau Risiko. Piagam Komite Pemantau Risiko tersebut
disusun berdasarkan peraturan dan undang-undang yang
berlaku dan ditinjau ulang secara berkala pada tahun 2012
dan mengalami perubahan terakhir yaitu Piagam Pemantau
Risiko Rev.01/2015 yang telah disahkan tertanggal 31
Desember 2015. Piagam Komite Pemantau Risiko berisi:
1. Pembentukan dan Dasar Hukum
2. Susunan dan Syarat Keanggotaan
3. Pengangkatan dan Pemberhentian
4. Tugas dan Tanggung Jawab
5. Wewenang dan Masa Tugas
6. Kode Etik
7. Tata cara dan Prosedur Kerja
8. Ketentuan Rapat
9. Pelaporan
10. Masa Berlaku Piagam
Independency of Audit Committee has met the provision of
Bank Indonesia on the implementation of gCg among others:
Risk Monitoring committee charter
In carrying out its duties and responsibilities to control
and review the bank risk profile comprehensively, the Risk
Monitoring Committee is equipped with working guideline
that is set in Risk Monitoring Committee Charter. The Charter
contains duties and responsibilities, and description of working
procedures and authorities of Risk Monitoring Committee.
This Charter is composed based on the prevailing laws and
regulations and has been periodically reviewed in 2012. The
latest change was Risk Monitoring Charter Rev.01/2015 that
has been validated on December 31, 2015. Risk Monitoring
Charter consists of:
1. Establishment and Legal Basis
2. Composition and Membership Requirements
3. Appointment and Dismissal
4. Duties and Responsibilities
5. Authorities and Term of Office
6. Code of Conduct
7. Working Procedures
8. Meeting Provisions
9. Reporting
10. Period of Charter
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.420
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Tugas dan Tanggung jawab
Komite Pemantau Risiko bertanggung jawab kepada Dewan
Komisaris terkait melakukan kontrol dan pengkajian atas profil
risiko bank secara komprehensif, mengidentifikasi hal-hal yang
memerlukan perhatian Dewan Komisaris, dan memberikan
rekomendasi kepada Dewan Komisaris, Tugas dan Tanggung
Jawab Komite Pemantau Risiko antara lain meliputi namun
tidak terbatas pada :
• MemberikanRekomendasikepadaDewanKomisaris
dalam rangka meningkatkan efektivitas Bank, terkait:
evaluasi tentang kesesuaian antara kebijakan manajemen
risiko dengan pelaksanaan kebijakan tersebut.
• pemantauandanevaluasipelaksanaantugasKomite
Manajemen Risiko dan Satuan Kerja Manajemen Risiko
(SKMR).
wewenang Komite Pemantau Risiko
Dalam melaksanakan tugasnya, Komite Pemantau Risiko
memiliki wewenang sebagai berikut :
1. Memperoleh dokumen, data, dan informasi tentang
Perseroan yang berkaitan dengan pengendalian intern.
2. Melakukan koordinasi dengan SKMR atau unit kerja
lainnya apabila diperlukan.
Laporan Singkat Pelaksanaan Tugas Komite Pemantau
Risiko
Program kerja Komite Pemantau Risiko difokuskan untuk
mengevaluasi konsistensi dan kecukupan antara kebijakan
manajemen risiko serta implementasi dari kebijakan tersebut.
Hasil dari evaluasi dan pemantauan yang dilakukan akan
disampaikan dalam bentuk rekomendasi kepada Dewan
Komisaris.
Selama 2015, Komite Pemantau Risiko telah melaksanakan
program sebagai berikut:
1. Melakukan evaluasi terhadap :
a. Laporan Keuangan 2014
b. Laporan Keuangan Kwartalan 2014
c. Laporan Kepatuhan 2014
d. Peraturan-peraturan internal yang terkait dengan
pelaksanaan manajemen risiko
2. Melakukan pemantauan terhadap strategi dan
implementasi dalam meningkatkan peringkat Tingkat
Kesehatan Bank serta memberikan rekomendasi terhadap
parameter-parameter (Profil Risiko, gCg, Rentabilitas,
Permodalan) yang perlu menjadi perhatian.
Duties and Responsibilities
Risk Monitoring Committee is responsible to the Board of
Commissioners concerning control and review of bank risk
profile comprehensively, identification of matters that require
attention from the Board of Commissioners, and provides
recommendation to the Board of Commissioners. Duties
and Responsibilities of Risk Monitoring Committee cover the
following but not limited to:
• ProvidingrecommendationtotheBoardofCommissioners
to improve the Bank effectiveness related to: evaluation
of conformity between risk management policy and the
implementation of the policy.
• Monitoringandevaluatingtheimplementationofduties
of Risk Management Committee and Risk Management
Working Unit (SKMR).
Authorities of Risk Monitoring committee
Authorities of Risk Monitoring Committee are as follows:
1. Obtaining documents, data, and information on the
Company relating to internal control.
2. Performing coordination with SKMR or other working
units if necessary.
Brief Report of the Duty Implementation of Risk
Monitoring committee
Risk Monitoring Committee’s work program focuses on
evaluating the consistency and adequacy between risk
management policy and the implementation of such policy.
Results of evaluation and monitoring that have been carried
out will be submitted in the form of recommendation to the
Board of Commissioners.
During 2015, the Risk Monitoring Committee has
implemented the following programs:
1. Evaluation on :
a. 2014 Financial Statement
b. 2014 Quarterly Financial Statement
c. 2014 Compliance Report
d. Internal rules which are related to the implementation
of risk management
2. Carry out monitoring on strategy and implementation
in improving the rank of Bank’s Health Index as well as
to provide recommendation on parameters (Risk Profile,
gCg, Profitability, and Capital) which needs to be focused.
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TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
3. Mempelajari dan memahami regulasi yang mengatur
pelaksanaan manajemen risiko serta memastikan bahwa
Bank telah mengimplementasikan regulasi tersebut.
4. Memahami risiko-risiko yang dihadapi Bank dan
memberikan arahan yang jelas, melakukan pengawasan
dan mitigasi secara aktif serta mengembangkan budaya
manajemen risiko pada seluruh unit kerja.
5. Membahas antisipasi pengendalian risiko dalam hal-hal
yang bersifat khusus, antara lain rencana pengembangan
jaringan kantor dan pengembangan Teknologi Sistem
Informasi (TSI).
6. Mengintensifkan komunikasi dengan unit-unit dalam Bank
maupun pihak luar yang relevan dalam rangka mencari
bentuk pelaksanaan tugas yang lebih baik dan efektif.
7. Melakukan pengawasan terhadap seluruh eksposur
risiko, dengan prioritas pada eksposur risiko kredit,
risiko operasional, yang dilakukan antara lain dengan
melakukan pemantauan secara ketat atas perkembangan
kredit dan usaha untuk memperbaiki kualitas kredit serta
pemantauan terhadap tindak lanjut temuan berulang oleh
SKAI atau Audit Eksternal. Pengawasan dilakukan pula
terhadap seluruh aktivitas dan portofolio Treasury yang
dimiliki Bank.
8. Melakukan pengawasan terhadap realisasi rencana Bisnis
Bank, khususnya dalam menghadapi lingkungan bisnis
yang dihadapkan pada perekonomian global.
9. Melakukan evaluasi dan memberikan masukan kepada
Dewan Komisaris terhadap transaksi atau kegiatan
usaha yang berpotensi menimbulkan risiko, untuk dapat
digunakan oleh Dewan Komisaris sebagai dasar untuk
pengambilan keputusan.
10. Memberikan masukan terhadap implementasi BASEL
II, BASEL III, dan implementasi PSAK 50 dan 55 serta
mengantisipasi dampaknya terhadap aktivitas usaha Bank,
kecukupan modal dan kesiapan infrastruktur.
Adapun rekomendasi yang diberikan kepada Dewan Komisaris
sehubungan dengan telah dilaksanakannya program kerja
tersebut antara lain:
1. Perlunya ditingkatkan mekanisme sistem pengawasan dan
sistem monitoring kredit, khususnya kredit dengan skema
channeling dan consumer loan.
2. Perlunya peningkatan pelaksanaan pemantauan aktivitas
transaksi fasilitas ekspor impor kepada nasabah.
3. Memaksimalkan monitoring dan meminimalkan potensi
kerugian dengan cara meningkatkan efektivitas Sistem
Informasi Manajemen Risiko untuk risiko pasar dan
likuditas.
3. Study and understand the regulation that regulates the
implementation of risk management as well as to ensure
that the Bank has implemented such regulation.
4. Understand that risks faced by the bank and provide clear
guidance, actively perform supervision and mitigation as
well as develop risk management culture in the entire
work unit.
5. Discuss the anticipation of risk control for special matters,
among others, the development plan of office network
and the development of Information Technology (TSI).
6. Intensify the communication with units in the Bank or
relevant external parties in order to seek better and more
effective duty implementation.
7. Perform supervision on the entire risk exposure, with
priority to the credit risk exposure, operational risk, which
is conducted among others by performing tight monitoring
on credit and business development to improve credit
quality as well as monitoring on the follow-up of findings
by SKAI or External Audit. Supervision is conducted to the
entire activities and Treasury portfolio owned by the Bank.
8. Perform supervision on the realization of the Bank’s
Business plan, especially in facing the business
environment against global economy
9. Perform evaluation and provide inputs to the Board of
Commissioners on transaction or business activity which
potentially cause risks to occur, in order to be used by the
Board of Commissioners as basis for decision-making.
10. Provide input on the implementation of BASEL II, BASEL
III, and implementation of PSAK 50 and 55 as well as
anticipate its impact on the Bank’s business activity, capital
adequacy and infrastructure readiness.
The following are the recommendations provided to the Board
of Commissioners in connection with the implementation of
such work programs:
1. The need for improved mechanism of supervision system
and credit monitoring system, especially credit with
channeling and consumer loan scheme.
2. The need for improvement on the implementation of
supervision on activity of export import transaction to the
customer.
3. Maximize the monitoring and minimize the potential of
loss by improving the effectiveness of Risk Management
Information System for market and liquidity risks.
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ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
4. Minimalisasi potensi risiko operasional akibat kesalahan
yang dilakukan oleh petugas pelaporan (human error).
5. Untuk perbaikan kualitas kerja yang berkesinambungan,
maka perlunya diskusi yang intensif dengan pihak
Regulator terkait penilaian tingkat kesehatan Bank.
6. Bank harus melakukan perbaikan total dalam mewujudkan
Tingkat Kesehatan Bank yang ideal.
7. Pelaksanaan budaya Sadar Risiko harus lebih ditingkatkan
sebagai salah satu bentuk mitigasi risiko, dari level
tertinggi hingga terendah.
8. SKMR harus menjadi partner bagi unit kerja lain untuk
mencapai tujuan bersama sesuai dengan arahan pihak
Manajemen.
9. Perlunya perbaikan aspek Kualitas Penerapan Manajemen
Risiko, khususnya untuk nilai parameter yang peringkatnya
masih perlu ditingkatkan.
10. Perlunya kajian terhadap tiap temuan Bank Indonesia serta
pemantauan atas tindak lanjut temuan Bank Indonesia.
Frekuensi dan Tingkat Kehadiran Rapat Komite
Pemantau Risiko
Komite Pemantau Risiko telah menyelenggarakan rapat
sebanyak 4 kali yang dipimpin oleh ketua yang seluruh hasil
rapatnya diputuskan berdasarkan musyawarah mufakat
dan dituangkan secara tertulis ke dalam risalah rapat
serta didokumentasikan dengan baik guna memberikan
rekomendasi kepada Dewan Komisaris.
Tabel kehadiran rapat Komite Pemantau Risiko
No Nama / Name Jabatan / PositionFrekuensi Kehadiran / Attendance Frequency
1 Sammy Kristamuljana Ketua / Head 4/4
2 Tjendrawati Widjaja Anggota / Member 4/4
3 Edwin Hidayat Abdullah* Anggota / Member 3/3
4 Agustinus Antonius** Anggota / Member 3/3
5 Ketut Sanjaya*** Anggota / Member 1/1
6 Rusli Prakarsa*** Anggota / Member 1/1
* mengundurkan diri efektif sejak 27 Juli 2015** mengundurkan diri efektif sejak 7 Agustus 2015*** menjabat sebagai anggota Komite Pemantau Risiko sejak 28 September
2015
4. Minimize operational risk potential due to mistakes
conducted by officer at whistleblowing division (human
error).
5. For the improvement of sustainable work quality, intensive
discussion with the Regulators regarding the assessment of
the Bank’s health index is needed.
6. The Bank has to perform total improvement in realizing
the ideal Bank’s Health Index.
7. Implementation of Risk Awareness culture shall be
improved as one of the risk mitigation form, from the
highest to lowest level.
8. SKMR must be the partner for other working unit to reach
mutual target in accordance with the guidance of the
Management.
9. The need for improvement of Risk Management
Implementation Quality aspect, especially for the
parameter value whose rank needs to be improved.
10. The needs for study on each finding by Bank Indonesia as
well as monitoring on the follow-up on findings by Bank
Indonesia.
Frequency and Attendance Rate of Risk Monitoring
committee Meeting
Risk Monitoring Committee has organized 4 meetings that is
led by the head of the committee, and the meeting decision is
made based on concensus and stated in writing in the minutes
of meetings which is properly documented in order to provide
recommendation to the Board of Commissioners.
Table of meeting attendance of the Risk Monitoring
Committee
*resigned on July 27, 2015**resigned on August 7, 2015***effective as member of Risk Monitoring Committee since September 28, 2015
Annual Report 2015 | PT. BANK SINARMAS Tbk. 423
Tinjauan uniT-uniT Bisnis
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TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Tabel rekap rapat Komite Pemantau Risiko
Tanggal / Date
Komite Pemantau Risiko
Rusmin RusminKetut
Sanjaya
Edwin Hidayat
Abdullah*
Agustinus Antonius**
Rusli Prakarsa***
21 Januari 2015 / January 21, 2015
√ √ √ √
Belum menjabat sebagai anggota / Not a member yet
Belum menjabat sebagai anggota / Not a member yet
20 April 2015 / April 20, 2015
√ √ √ √
15 Juli 2015 / July 15, 2015
√ √ √ √
19 Oktober 2015 / October 19, 2015
√ √ Mengundurkan diri / Resigned
Mengundurkan diri / Resigned √ √
* mengundurkan diri efektif sejak 27 Juli 2015** mengundurkan diri efektif sejak 7 Agustus 2015*** menjabat sebagai anggota Komite Pemantau Risiko sejak 28 September
2015
Agenda Rapat Komite Pemantau Risiko
Tabel agenda rapat Komite Pemantau Risiko
Tanggal / DateNomor Risalah
RapatAgenda Rapat / Meeting Agenda
21 Januari 2015 / January 21, 2015
RR No.001/2015/KPR
Penilaian Tingkat Kesehatan Bank Semester II/2014 dan Profil Risiko Unit Usaha Syariah (UUS) Triwulan IV/2014 / Assessment of Bank Health Level of Semester II/2014 and Risk Profile of Sharia Business Unit (UUS) of Quarter IV/2014
April 2015 / April, 2015
RR No.002/2015/KPR
Tindak Lanjut Rekomendasi Rapat Komite Pemantau Risiko / Follow-Up of Recommendation from Risk Monitoring Committee Meeting
Hasil Self Assesment Profil Risiko Triwulan I/2015 / Self Assessment Result of Risk Profile Quarter I/2015
Hasil Self Assesment Profil Risiko Syariah Triwulan I/2015 / Self Assessment Result of Risk Profile Quarter I/2015
Simulasi Hasil Self Assesment Tingkat Kesehatan Bank Triwulan I/2015 / Simulation of Self Assessment Result of Bank Health Level Quarter I/2015
Usulan Perubahan Bobot Tingkat Kesehatan Bank dan Bobot/Parameter Profil Risiko / Proposal of Change in Bank Health Level Value and Value/Parameter of Risk Profile
Juli 2015 / July, 2015
RR No.003/2015/KPR
Tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko / Follow-Up of Recommendation from Risk Management Committee Meeting
Hasil Self Assesment Profil Risiko Triwulan II/2015 / Self Assessment Result of Risk Profile Quarter II/2015
Hasil Self Assesment Tingkat Kesehatan Bank Semester I/2015 / Self Assessment Result of Bank Health Level Semester I/2015
Hasil Self Assesment Profil Risiko Syariah Triwulan II/2015 / Self Assessment Result of Sharia Risk Profile Quarter II/2015
Oktober 2015 / October, 2015
RR No.004/2015/KPR
Tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko dan Komite Pemantau Risiko Triwulan II/2015 / Follow-Up of Recommendation from Risk Monitoring Committee and Risk Management Committee Meeting Quarter II/2015
Hasil Self Assesment Profil Risiko Triwulan III/2015 / Self Assessment Result of Risk Profile Quarter III/2015
Table of meeting recap of the Risk Monitoring Committee
*resigned on July 27, 2015**resigned on August 7, 2015***effective as member of Risk Monitoring Committee since September 28, 2015
Risk Monitoring committee Meeting Agenda
Table of meeting agenda of the Risk Monitoring Committee
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PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Tanggal / DateNomor Risalah
RapatAgenda Rapat / Meeting Agenda
Hasil Self Assesment Profil Risiko Syariah Triwulan III/2015 / Self Assessment Result of Sharia Risk Profile Quarter III/2015
Simulasi Hasil Self Assesment Tingkat Kesehatan Bank Triwulan III/2015 / Simulation of Self Assessment Result of Bank Health Level Quarter III/2015
Pokok-Pokok Perubahan atas Hasil Kaji Ulang Penerapan Kebijakan Manajemen Risiko Bank Sinarmas (SK No.006/2013/DIR5-SKMR tanggal 2 Juli 2013) / Principals of Changes in Review of Implementation of Bank Sinarmas Risk Management Policy (SK No.006/2013/DIR5-SKMR dated July 2, 2013)
Rekomendasi Komite Pemantau Risiko Kepada Dewan
Komisaris
Sesuai dengan Piagam Pemantau Risiko Rev.01/2015 yang
telah disahkan tertanggal 31 Desember 2015, salah satu tugas
Komite Pemantau Risiko adalah memberikan rekomendasi
kepada Dewan komisaris terkait dengan kontrol terhadap
organisasi internal Bank.
Tabel rekomendasi Komite Pemantau Risiko kepada Dewan
Komisaris
Tanggal / Dated No. Memo Perihal / Topic
30 Januari 2015 / January 30, 2015
M.001/2015/PRESKOM-KPRRekomendasi hasil rapat Komite Pemantau Risiko tanggal 21 Januari 2015 / Recommendation of Risk Monitoring Committee meeting dated January 21, 2015
28 April 2015 / April 28, 2015
M.013/2015/PRESKOM-KPRRekomendasi hasil rapat Komite Pemantau Risiko tanggal 20 April 2015 / Recommendation of Risk Monitoring Committee meeting dated April 20, 2015
29 Juli 2015 / July 29, 2015
M.021A/2015/PRESKOM-KPRRekomendasi hasil rapat Komite Pemantau Risiko tanggal 15 Juli 2015 / Recommendation of Risk Monitoring Committee meeting dated July 15, 2015
30 Oktober 2015 / October 30, 2015
M.028A/2015/PRESKOM-KPRRekomendasi hasil rapat Komite Pemantau Risiko Triwulan III/2015 / Recommendation of Risk Monitoring Committee meeting dated July 15, 2015
KOMITE REMUNERASI DAN NOMINASI
Komite Remunerasi dan Nominasi Bank Sinarmas dibentuk
oleh Dewan Komisaris dengan tujuan untuk mendukung
pelaksanaan fungsi pengawasan Dewan Komisaris terkait
kebijakan remunerasi dan nominasi.
Struktur dan Susunan Komite Remunerasi dan Nominasi
Anggota Komite Remunerasi Dan Nominasi terdiri dari
seorang Komisaris Independen, seorang dari Anggota Dewan
Komisaris, Pihak Independen atau Pihak yang menduduki
jabatan manajerial di bawah Direksi yang membidangi
Sumber Daya Manusia. Keanggotaan Komite Remunerasi Dan
Recommendation from Risk Monitoring committee to
the Board of commissioners
In accordance with Risk Monitoring Charter Rev.01/2015 that
has been validated on December 31, 2015, one of duties of
Risk Monitoring Committee is providing recommendation to
the Board of Commissioners concerning control over Bank’s
internal organization.
Table of recommendation from Risk Monitoring Committee to
the Board of Commissioners
NOMINATION AND REMUNERATION cOMMITEERemuneration and Nomination Committee of Bank
Sinarmas is established with the purpose of supporting
the implementation of supervisory function of Board of
Commissioners on remuneration and nomination policies.
Structure and composition of Nomination and
Remuneration committee
Members of Nomination and Remuneration Committee
consist of an Independent Commissioner, a member from
Board of Commissioners, Independent Party or Party that
occupies managerial position under the Board of Directors
who is in charge of Human Resources. Membership of
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TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Nominasi telah disahkan pada Surat Keputusan SK.017/2014/
PRESDIR-CorSec&CorComm tentang Perubahan Susunan
Anggota Komite Remunerasi Dan Nominasi tertanggal 3 Juli
2014.
Tabel komposisi Komite Remunerasi dan Nominasi
Nama / Name Posisi / Position Periode Jabatan / Period of Service Keahlian / Expertise
Rusmin Ketua / Head Juli 2014 - Sekarang / July 2014 - now• Perbankan/Banking• Ekonomi/Economics
Tjendrawati WidjajaAnggota / Member
Juli 2014 - Sekarang / July 2014 - now• Ekonomi/Economics• Keuangan/Finance• Perbankan/Banking
Wahyu ZaenieAnggota / Member
Juli 2014 - Sekarang / July 2014 - now• Human Capital Management/
Personalia• Hukum/Law
Profil Komite Remunerasi dan Nominasi
Rusmin - Ketua
Profil Ketua Komite Remunerasi dan Nominasi sudah disajikan
dalam profil Dewan Komisaris.
Tjendrawati widjaja - Anggota
Profil anggota Komite Remunerasi dan Nominasi ini sudah
disajikan dalam profil Dewan Komisaris.
wahyu Zaenie - Anggota
Warga Negara Indonesia, 56 tahun. Bergabung dengan
Bank Sinarmas sejak 2006 Dan menjabat sebagai anggota
Komite Remunerasi dan Nominasi sejak Juli 2012. Saat ini
menjabat sebagai Division Head Human Capital Recruitment
& Administration Support. Beliau meraih gelar Sarjana Hukum
dari Universitas Katolik Parahyangan.
Keanggotaan Komite Pemantau Risiko telah sesuai dengan
yang disyaratkan oleh ketentuan Bank Indonesia tentang
pelaksanaan gCg dan Piagam Komite Remunerasi dan
Nominasi.
Independensi Komite Remunerasi dan Nominasi
Dalam menjalankan Tugas dan Tanggung Jawabnya, Komite
Remunerasi Dan Nominasi bertindak secara independen,
serta tidak menerima/melakukan intervensi dari/kepada Pihak
lainnya. Anggota Komite Remunerasi Dan Nominasi tidak
terkait dengan Pemegang Saham, Dewan Komisaris, dan
Direksi.
Nomination and Remuneration Committee has been validated
through Decree SK.017/2014/PRESDIR-CorSec&CorComm
on Change in Composition of Members of Nomination and
Remuneration Committee dated July 3, 2014.
Table of composition of Nomination and Remuneration
Committee
Profile of Remuneration and Nomination committee
Rusmin-Head
Profile of Head of Remuneration and Nomination Committee
has been presented in profile of Board of Commissioners.
Tjendrawati widjaja - Member
Profile of Remuneration and Nomination Committee Member
has been presented in profile of Board of Commissioners.
wayu Zaenie - Member
Indonesian Citizen, 56 years old. Working in Bank Sinarmas
since 2006 and serving as member of the Remuneration and
Nomination Committee since July 2012. Currently he serves as
Division Head of Human Capital Recruitment & Administration
Support. He achieved his bachelor of laws from Parahyangan
Catholic University.
Composition of Risk Monitoring Committee conforms to Bank
Indonesia regulation regarding the implementation of gCg
and Remuneration and Nomination Committee Charter.
Independency of Remuneration and Nomination
committee
Composition of Remuneration and Nomination Committee
has been in line with Bank Indonesia regulation regarding the
implementation of gCg and Remuneration and Nomination
Committee Charter, which generally are as follows:
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oF 2015
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comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Aspek Independensi / Aspect of Independency RusminTjendrawati
widjajawahyu Zaenie
Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi / No financial relations with the Board of Commissioners and Board of Directors
Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill
Tidak memiliki hubungan kepemilikan saham di perusahaan / No share ownership relations in the Company
Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill
Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan serta perusahaan afiliasi / No management relations in the Company, subsidiaries, and affiliated companies.
Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau anggota Komite Audit / No family relations with the Board of Commissioners, Board of Directors, and/or Audit Committee members.
Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill
Tidak menjabat sebagai pengurus partai politik, pejabat dan pemerintah / Does not serve as management of political parties, officials and governments
Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill
Piagam Komite Remunerasi dan Nominasi
Dalam melaksanakan tugas dan tanggung jawab untuk
melakukan kontrol dan pengkajian terhadap proses
transparansi remunerasi dan nominasi terhadap anggota
Direksi dan anggota Dewan Komisaris, maka dalam
melaksanakan kewajibannya, Komite Remunerasi dan
Nominasi telah dilengkapi dengan pedoman kerja yang
ditetapkan dalam Piagam Komite Remunerasi dan Nominasi.
Piagam Komite Remunerasi dan Nominasi berisi antara
lain mengenai tugas dan tanggung jawab komite, uraian
mengenai prosedur kerja dan kewenangan dari Komite
Remunerasi dan Nominasi. Piagam Komite Remunerasi
dan Nominasi tersebut disusun berdasarkan peraturan dan
undang-undang yang berlaku dan ditinjau ulang secara
berkala serta mengalami perubahan terakhir tertanggal 7 Mei
2015. Piagam Komite Remunerasi dan Nominasi berisi:
1. Pembentukan dan Susunan Keanggotaan
2. Ketentuan
3. Pengangkatan dan Pemberhentian
4. Tugas dan Tanggung Jawab
5. Kewenangan
6. Masa Tugas
7. Kode Etik
8. Kewajiban
9. Tata Cara dan Prosedur Kerja
10. Ketentuan Rapat
11. Masa Berlaku
Tugas dan Tanggung jawab
Komite Remunerasi dan Nominasi bertanggung jawab
kepada Dewan Komisaris terkait melakukan kontrol dan
pengkajian proses transparansi remunerasi dan nominasi
Nomination and Remuneration committee charter
In implementing the duties and responsibilities to control and
review the transparency of nomination and remuneration
process to members of the Board of Directors and Board
of Commissioners. In carrying out the responsibilities,
Nomination and Remuneration Committee is equipped with
working guideline that is set in Nomination and Remuneration
Committee Charter. The Charter contains duties and
responsibilities, and description of working procedures and
authorities of Nomination and Remuneration Committee.
This Charter is composed based on the prevailing laws and
regulations and is reviewed periodically. The latest change was
on May 7, 2015. Nomination and Remuneration Committee
Charter consists of:
1. Establishment and Membership Composition
2. Provisions
3. Appointment and Dismissal
4. Duties and Responsibilities
5. Authorities
6. Term of Office
7. Code of Conduct
8. Obligations
9. Working Procedures
10. Meeting Provisions
11. Period of the Charter
Duties and Responsibilities
Nomination and Remuneration Committee is responsible
to the Board of Commissioners concerning control and
review of transparency of nomination and remuneration
Annual Report 2015 | PT. BANK SINARMAS Tbk. 427
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
terhadap anggota Direksi dan anggota Dewan Komisaris,
mengidentifikasi hal-hal yang memerlukan perhatian Dewan
Komisaris, dan memberikan rekomendasi kepada Dewan
Komisaris, Tugas dan Tanggung Jawab Komite Remunerasi
dan Nominasi antara lain meliputi namun tidak terbatas pada:
• Terkaitkebijakanremunerasi:
1) Melakukan evaluasi terhadap kebijakan remunerasi,
yaitu:
i. Kinerja keuangan perusahaan dan pemenuhan
cadangan sebagaimana diatur dalam peraturan
perundang-undangan yang berlaku;
ii. Prestasi kerja individual;
iii. Kewajaran dengan peer group; dan
iv. Pertimbangan sasaran dan strategi jangka panjang
bank.
2) Memberikan rekomendasi kepada Dewan Komisaris
mengenai :
i. Kebijakan, Struktur dan Besaran atas remunerasi
untuk disampaikan kepada Rapat Umum
Pemegang Saham (“RUPS”);
ii. Penilaian kinerja dengan kesesuaian Remunerasi
yang diterima masing-masing anggota Direksi dan/
atau anggota Dewan Komisaris
3) Menyusun struktur, kebijakan dan besaran remunerasi
dan wajib memperhatikan:
i. Remunerasi yang berlaku pada industri sesuai
dengan kegiatan usaha Perseroan sejenis dan skala
usaha dalam industrinya
ii. Tugas, tanggung jawab dan wewenang anggota
Direksi dan/atau anggota Dewan Komisaris
dikaitkan dengan pencapaian tujuan dan kinerja
perseroan.
iii. Target kinerja masing-masing anggota Direksi dan/
atau anggota komisaris
iv. Keseimbangan tunjangan antara tetap dan variabel
v. Struktur, kebijakan dan besaran Remunerasi
sebagaimana dimaksud harus dievaluasi oleh
Komite Remunerasi dan Nominasi paling kurang 1
(satu) kali dalam 1 (satu tahun)
• Terkaitdengankebijakannominasi:
1) Memberikan rekomendasi kepada Dewan Komisaris
mengenai kebijakan evaluasi kinerja anggota Direksi
dan/atau anggota Dewan Komisaris.
process to the members of the Board of Directors and
Board of Commissioners, identification matters that require
attention from the Board of Commissioners, and provides
recommendation to the Board of Commissioners. Duties and
responsibilities of Nomination and Remuneration Committee
are, but not limited to:
• Concerningremunerationpolicies:
1) Evaluating the remuneration policies, namely:
i. The Company’s financial performance and
fulfillment of reserves as regulated in the prevailing
laws and regulations;
ii. Individual performance;
iii. Fairness in peer group; and
iv. Consideration of bank’s long-term strategies and
goals.
2) Providing recommendation to the Board of
Commissioners on:
i. Policies, structure, and amount of remuneration to
be submitted to general Meeting of Shareholders
(“gMS”);
ii. Performance assessment in conformity with
remuneration received by each member of the
Board of Directors and/or Board of Commissioners
3) Composing structure, policies, and amount of
remuneration and shall concern:
i. Remuneration that prevails in industry in
accordance with similar business activities and
business scales in the industry
ii. Duties, responsibilities, and authorities of members
of the Board of Commissioners are associated with
achievement of objective and performance of the
Company.
iii. Target of performance of each member of the
Board of Directors and/or Board of Commissioners
iv. The balance of allowances between permanent and
variable
v. The concerned structure, policies, and amount of
remuneration shall be evaluated by Nomination
and Remuneration Committee at least 1 (one) time
in a year.
• Concerningnominationpolicies:
1) Providing recommendation to the Board of
Commissioners on policy of evaluation of performance
of members of the Board of Directors and/or Board of
Commissioners.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.428
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
2) Membantu Dewan Komisaris melakukan penilaian
kinerja anggota Direksi dan/atau anggota Dewan
Komisaris.
3) Memberikan rekomendasi kepada Dewan komisaris
mengenai program pengembangan kemampuan
anggota Direksi dan/atau anggota Dewan Komisaris
4) Dalam mengidentifikasi, mengkaji dan
merekomendasikan calon anggota Dewan Komisaris
dan/atau Direksi, Komite Remunerasi dan Nominasi
memiliki kewenangan untuk memilih sesuai dengan
kriteria dan prosedur yang telah ditetapkan dalam
peraturan yang berlaku dan kebijakan internal
Perseroan.
5) Memberikan rekomendasi kepada Dewan Direksi
mengenai kebijakan dan kriteria yang dibutuhkan
dalam proses nominasi.
6) Mengidentifikasi, mengkaji dan memberikan
rekomendasi mengenai calon anggota Dewan
Komisaris dan/atau Direksi kepada Dewan Komisaris
untuk disampaikan kepada Rapat Umum Pemegang
Saham untuk mendapatkan persetujuan dari
Pemegang Saham;
Memberikan rekomendasi mengenai Pihak Independen
yang akan menjadi anggota Komite sebagaimana dimaksud
dalam Peraturan Bank Indonesia mengenai Good Corporate
Governance.
wewenang Komite Remuenerasi dan Nominasi
Dalam melaksanakan tugasnya, Komite Remunerasi Dan
Nominasi memiliki wewenang sebagai berikut:
1. Memperoleh dokumen, data, dan informasi tentang
Perseroan yang diperlukan;
2. Melakukan koordinasi dengan Human Capital
Management atau unit kerja lainnya apabila diperlukan;
3. Melakukan kewenangan lain yang diberikan Dewan
Komisaris terkait remunerasi dan nominasi.
Laporan Singkat Pelaksanaan Tugas Komite Remunerasi
dan Nominasi
Selama 2015, Komite Remunerasi dan Nominasi telah
melakukan kegiatan serta memberikan rekomendasi-
rekomendasi kepada Dewan Komisaris, antara lain:
1. Action plan Human Capital Recruitment & Admin Support
di tahun 2016
2) Assisting the Board of Commissioners in assessing the
performance of members of the Board of Directors
and/or Board of Commissioners.
3) Providing recommendation to the Board of
Commissioners on capability development program
for members of the Board of Directors and/or Board of
Commissioners.
4) In identifying, reviewing, and recommending
the candidates for members of the Board of
Commissioners, and/or Board of Directors, Nomination
and Remuneration Committee is authorized to select in
accordance with criteria and standards that has been
determined in the prevailing regulations and internal
policies.
5) Providing recommendation to the Board of Directors
on policies and criteria that are required in nomination
process.
6) Identifying, reviewing, and providing recommendation
on candidates of members of the Board of
Commissioners and/or Board of Directors to the Board
of Commissioners to be submitted to the general
Meeting of Shareholders to obtain approval from
Shareholders.
Providing recommendation on Independent Party who will
be a Committee member as regulated in Bank Indonesia
Regulations on good Corporate governance.
Authorities of Nomination and Remuneration
committee
Authorities of Nomination and Remuneration Committee are
as follows:
1. Obtaining required documents, data, and information on
the Company;
2. Performing coordination with Human Capital Management
or other work units if necessary;
3. Conducting other authorities that have been delegated by
the Board of Commissioners concerning nomination and
remuneration.
Brief Report of Duties Implementation of Remuneration
and Nomination committee
Throughout 2015, the Remuneration and Nomination
Committe had conducted several activties and gave
recommendations to the Board of Commissioners, among
others:
1. Action plan of Human Capital Recruitment & Admin
Support in 2016.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 429
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
2. Pengimplementasian Program BPJS Kesehatan untuk
seluruh karyawan Bank Sinarmas.
3. Perubahan Anggota Komite Remunerasi dan Nominasi.
4. Perekrutan karyawan dilakukan sesuai dengan Man Power
Planing dalam RBB tahun 2015.
5. Kajian terhadap struktur organisasi unit kerja yang dirasa
belum memenuhi kriteria ideal.
6. Pencalonan calon Anggota Direksi Bank Sinarmas.
Aktivitas Komite Remunerasi dan Nominasi
Sepanjang 2015, Komite Remunerasi dan Nominasi telah
menyelenggarakan pertemuan sebanyak 5 kali yang dilakukan
setiap triwulan. Dalam pertemuan tersebut dilakukan
pembahasan mengenai hal-hal berikut:
a. Fungsi Remunerasi
1. Mengkaji dan mengevaluasi remunerasi BOC dan BOD
tahun 2015.
2. Penerapan Upah Minimum Provinsi.
3. Melakukan kajian terhadap Kenaikan Berkala tahun
2015 dan Pemberian Bonus Tahunan.
4. Melakukan kajian terhadap Perubahan Struktur
golongan Karyawan.
5. Melakukan kajian terhadap Perubahan Komponen
Upah Karyawan Outsourcing, yang sebelumnya terdiri
dari gaji Pokok, dibagi menjadi 2 komponen, yaitu gaji
Pokok dan Tunjangan Khusus golongan A.
b. Fungsi Nominasi
1. Mengkaji penunjukan kembali keanggotaan Dewan
Komisaris dan Direksi serta perubahan anggota
Komite.
2. Mengkaji rencana penunjukkan Direksi yang akan
datang.
3. Mengkaji penunjukan anggota Komisaris Independen
yang baru.
4. Mengkaji komposisi Dewan Komisaris dan Direksi.
5. Melakukan kajian terhadapstruktur organisasi unit
kerja yang dipandang masih belum ideal.
6. Mengkaji rencana pemenuhan SDM 2015 sesuai
dengan Man Power Planning (MPP) dalam RBB 2015.
2. Implementation of BJPJS Kesehatan program for all Bank
Sinarmas’ employees.
3. The changes of Remuneration and Nomination
membership.
4. Employee recruitment had been conducted in accordance
with Man Power Planning in 2015 RBB.
5. Review of organizational structure of working unit that
has not fulfilled ideal criteria.
6. Nomination of Members of Bank Sinarmas’ Board of
Directors.
Activities of Remuneration and Nomination committee
Throughout 2015, the Remuneration and Nomination
Committee has held meetings for 5 times every quarter. The
discussions in the meeting are as follows:
a. Remuneration Function
1. Reviewing and evaluating remuneration of Board of
Commissioners and Board of Directors in 2015
2. Implementing Provincial Minimum Wage
3. Reviewing Periodic Increase of salary in 2015 and
Annual Bonuses
4. Reviewing the Change of Employee group structure
5. Reviewing the change of outsourcing employee wage
components, which previously consists of basic salary,
now divided into two components, which are Basic
Salary and Special Allowance for group A.
b. Nomination Fuction
1. Reviewing re-appointment of members of the Board
of Commissioners and Board of Directors as well as
changes in the Committee.
2. Reviewing the plan of future appointment of Board of
Directors.
3. Reviewing the appointment of the new Independent
Commissioners.
4. Reviewing the composition of the Board of
Commissioners and Board of Directors.
5. Reviewing the organizational structure of working
units that is considered not ideal.
6. Reviewing the plan of fulfilling the number of HR in
2015 according to the Man Power Planning in 2015
RBB.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.430
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Frekuensi dan Tingkat Kehadiran Rapat Komite
Remunerasi dan Nominasi
Komite Remunerasi dan Nominasi telah menyelenggarakan
rapat sebanyak 5 kali yang dipimpin oleh ketua yang seluruh
hasil rapatnya diputuskan berdasarkan musyawarah mufakat
dan dituangkan secara tertulis ke dalam risalah rapat
serta didokumentasikan dengan baik guna memberikan
rekomendasi kepada Dewan Komisaris.
Tabel kehadiran rapat Komite Remunerasi dan Nominasi
No Nama / Name Jabatan / PositionFrekuensi Kehadiran / Attendance Frequency
1 Rusmin Ketua / Head 5/5
2 Tjendrawati Widjaja Anggota / Member 5/5
3 Wahyu Zaenie Anggota / Member 5/5
Tabel agenda rapat Komite Remunerasi dan Nominasi
Tanggal / Date
Komite Remunerasi & Nominasi / Nomination and Remuneration Committee
RusminTjendrawati
widjajawahyu R Zaenie
15 Januari 2015 / January 15, 2015 √ √ √
16 April 2015 / April 16, 2015 √ √ √
2 Juli 2015 / July 2, 2015 √ √ √
10 Agustus 2015 / August 10, 2015 √ √ √
22 Oktober 2015 / October 22, 2015 √ √ √
Agenda Rapat Komite Remunerasi dan Nominasi
Tabel agenda rapat Komite Remunerasi dan Nominasi
Tanggal / Date Notulen Agenda Rapat / Meeting Agenda
15 Januari 2015 / January 15, 2015
RR No.001/2015/KRN
Struktur organisasi jumlah karyawan di cabang dan unit kerja KPNO periode bulan Juli 2014 - Desember 2014 / Organization structure of total employees in branch office and KPNO work unit for the period of July 2014 to December 2014
Tindaklanjut atas rekomendasi Komite Remunerasi dan Nominasi Triwulan III-2014 yang masih pending dan kendalanya / Follow-up of recommendation of Nomination and Remuneration Committee for Quarter III-2014 that still pending.
Mempresentasikan Laporan HCM terkait Personnel Service, Benefit & Admin, Industrial Relation, dan Recruitment / Presenting the HCM Report related to Personnel Benefit & Admin, Industrial Relation, and Recruitment
Update POJK No.34-POJK.04-2014 perihal Komite Remunerasi dan Nominasi untuk memperbaharui Piagam KRN / Update of POJK No.34-POJK.04-2014 on Nomination and Remuneration Committee to update the Nomination and Remuneration Committee Charter
Meeting Frequency and Attendance Rate of the
Remuneration and Nomination committee
The Remuneration and Nomination Committee has conducted
meetings for 5 times, which is led by its head, and all of its
meeting decisions are made based on consensus and stated
in writing in the minutes of meeting, which is properly
documented in order to provide recommendations to the
Board of Commissioners.
Table of meeting attendance of the Remuneration and
Nomination Committee
Table of meeting agenda of Nomination and Remuneration
Committee
Meeting Agenda of Nomination and Remuneration
committee
Table of meeting agenda of Nomination and Remuneration
Committee
Annual Report 2015 | PT. BANK SINARMAS Tbk. 431
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Tanggal / Date Notulen Agenda Rapat / Meeting Agenda
April 2015 / April, 2015
RR No.002/2015/KRN
Aktivitas kerja Department Recruitment Triwulan I - 2015 / Recruitment Department Activities of Quarter I - 2015
Aktivitas kerja Department People Development Triwulan I - 2015 / People Development Department Activities of Quarter I - 2015
Aktivitas kerja Department HR-Operations Triwulan I - 2015 / HR-Operations Department Activities of Quarter I - 2015
Aktivitas kerja Department Organizational Development Triwulan I - 2015 / Organizational Development Department Activities of Quarter I - 2015
Pemberian jasa produksi Dewan Komisaris dan Dewan Direksi tahun 2014 / Production service provision for the Board of Commissioners and Board of Directors year 2014
Pemberian jasa produksi karyawan PT. Bank Sinarmas Tbk. tahun 2014 / Production service provision for employees of PT. Bank Sinarmas Tbk. year 2014
Juli 2015 / July, 2015
RR No.003/2015/KRN
Pencalonan saudara Rusmin sebagai Komisaris Independen PT. Bank Sinarmas Tbk. / Nomination of Mr. Rusmin as Independent Commissioner of PT. Bank Sinarmas Tbk.
Tindaklanjut meeting KRN triwulan I/2015 / Follow-up of Nomination and Remuneration Committee meeting of quarter I/2015
Pembahasan kenaikan upah/gaji karyawan PT. Bank Sinarmas Tbk. tahun 2015 / Discussion on salary increase of PT Banks Sinarmas Tbk. employees year 2015
Program kerja KRN mengenai peran Dewan Komisaris dalam melakukan penilaian kinerja anggota Direksi dan/atau anggota Dewan Komisaris / Nomination and Remuneration Committee work program concerning roles of the Board of Commissioners in evaluating the performance of members of the Board of Directors and/or Board of Commissioners
Evaluasi Komposisi karyawan PT. Bank Sinarmas Tbk. / Evaluation of employee composition of PT. Bank Sinarmas Tbk.
10 Agustus 2015 / August 10, 2015
RR No.004/2015/KRN
Pihak Independen / Independent Party
22 Oktober 2015 / October 22, 2015
RR No.005/2015/KRN
Tindaklanjut meeting KRN triwulan II/2015 / Follow-up of Nomination and Remuneration Committee meeting of quarter II/2015
Upah Sundulan / Wage
Man Power Planning (MPP) Tahun 2016 / Man Power Planning (MPP) year 2016
Proyeksi Biaya Tenaga Kerja Tahun 2016/ Projection for Employee Costs year 2016
Talent Management / Talent Management
Rekomendasi Komite Remunerasi dan Nominasi Kepada
Dewan Komisaris
Sesuai dengan Piagam Komite Remunerasi Dan Nominasi
tertanggal 7 Mei 2015, salah satu tugas Komite Pemantau
Risiko adalah memberikan rekomendasi kepada Dewan
komisaris terkait dengan kontrol dan pengkajian terhadap
proses transparansi remunerasi dan nominasi terhadap
anggota Direksi dan anggota Dewan Komisaris.
Recommendation from Nomination and Remuneration
committee to the Board of commissioners
Pursuant to Nomination and Remuneration Committee
Charter dated May 7, 2015, one of duties of Nomination
and Remuneration Committee is to provide recommendation
to the Board of Commissioners concerning control and
review of transparency of nomination and remuneration
process to members of the Board of Directors and Board of
Commissioners.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.432
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Tabel rekomendasi Komite Remunerasi dan Nominasi kepada
Dewan Komisaris
Tanggal / Dated No. Memo Perihal / Topic
22 Januari 2015 / January 22, 2015
M.001/2015/PRESKOM-KRN
Memo rekomendasi hasil pertemuan Komite Remunerasi dan Nominasi Triwulan IV/2014 pada tanggal 15 Januari 2015 / Memo of recommendation from the meeting of Nomination and Remuneration Committee of Quarter IV/2014 on January 15, 2015
4 Mei 2015 / May 4, 2015 M.015/2015/PRESKOM-KRN
Memo rekomendasi hasil pertemuan Komite Remunerasi dan Nominasi Triwulan I/2015 pada tanggal 16 April 2015 / Memo of recommendation from the meeting of Nomination and Remuneration Committee of Quarter I/2014 on April 16, 2015
22 Juli 2015 / July 22, 2015
M.021/2015/PRESKOM-KRN
Memo rekomendasi hasil pertemuan Komite Remunerasi dan Nominasi Triwulan II/2015 pada tanggal 2 Juli 2015 / Memo of recommendation from the meeting of Nomination and Remuneration Committee of Quarter II/2014 on July 2, 2015
12 Agustus 2015 / August 12, 2015
M.023A/2015/PRESKOM-KRN
Memo rekomendasi hasil pertemuan Komite Remunerasi dan Nominasi tanggal 10 Agustus 2015 / Memo of recommendation from the meeting of Nomination and Remuneration Committee on August 10, 2015
22 Oktober 2015 / October 22, 2015
M.027/2015/PRESKOM-KRN
Memo rekomendasi hasil pertemuan Komite Remunerasi dan Nominasi Triwulan III/2015 pada tanggal 22 Oktober 2015 / Memo of recommendation from the meeting of Nomination and Remuneration Committee of Quarter III/2015 on October 22, 2015
KOMITE TATA KELOLA TERINTEgRASI
Dasar Hukum
Pembentukan Komite Tata Kelola Terintegrasi di Bank
Sinarmas mengacu pada beberapa peraturan sebagai berikut:
1. Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2014
tentang Penerapan Tata Kelola Terintegrasi bagi
Konglomerasi Keuangan
2. Peraturan Otoritas Jasa Keuangan No. 17/POJK.03/2014
tentang Penerapan Manajemen Risiko Terintegrasi bagi
Konglomerasi Keuangan
3. Berdasarkan Surat Otoritas Jasa Keuangan No. S-95/
PB.33/2015 tanggal 6 Oktober 2015 tentang Penetapan
PT. Bank Sinarmas Tbk. sebagai Entitas Utama grup
Sinarmas maka Dewan Komisaris Entitas Utama
membentuk Komite Tata Kelola Terintegrasi guna
mendukung efektivitas pelaksanaan tugas Dewan
Komisaris Entitas Utama terkait dengan pelaksanaan
Tingkat Kesehatan Terintegrasi.
Table of recommendation from Nomination and Remuneration
Committee to the Board of Commissioners
INTEgRATED gOOD cORPORATE gOVERNANcE cOMMITTEEEstablishment and Membership of Integrated
governance committee
Bank Sinarmas established governance Committee
based on OJK Regulation No.18/POJK.03/2014 on The
Implementation of Integrated governance for Financial
Conglomerates. It regulates the number and composition
of Independent Commissioner that becomes member of
Integrated governance Committee. Membership of Integrated
governance Committee in Bank Sinarmas is adjusted to the
needs of Financial Conglomerates as well as efficiency and
effectiveness of implementation of Integrated governance
Committee duties by taking into account at least the
representation of each financial service sector. Membership
of Integrated governance Committee can be in the form of
permanent and non-permanent membership, aligned to the
needs of Financial Conglomerates.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 433
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Timeline Penerapan Tata Kelola Terintegrasi
19 November
2014
25 Mei 2015
5 Oktober
2015
30 November
2015
2 Desember
2015
27 Januari
2016
15 Februari
2016
15 April 2016
No. Tanggal / Dated Keterangan / Description
1 19 November 2014POJK No. 18/POJK.03/2014 tentang Penerapan Tata Kelola Terintegrasi bagi Konglomerasi Keuangan
2 25 Mei 2015SE OJK No. 15/SEOJK.03/2015 mengenai Parameter Penilaian TKT
3 5 Oktober 2015Penetapan PT. Bank Sinarmas Tbk. sebagai Entitas Utama grup Sinarmas (Surat OJK No : S -95/PB.33/2015)
4 30 November 2015
Pembentukan Komite TKT serta Penetapan SKKT, SKAIT dan SKMRT - Komite TKT (SK No : 004/2015/DIRUT – EU)- SKKT (SK No :005/2015/DIRUT – EU)- SKAIT (SK No : 006/2015/DIRUT – EU)- SKMRT (SK No : 007/2015/DIRUT – EU)
5 2 Desember 2015Persetujuan Direksi dan Komisaris Entitas Utama atas dokumen Tata Kelola Terintegrasi
6 27 Januari 2016Informasi Anggota Konglomerasi Keuangan Sinar Mas Financial Services (SKL No : 001/I/2016/DIR-EU)
7 15 Februari 2016 Penyampaian Self Assessment TKT Semester II – 2015
8 15 April 2016 Penyampaian Laporan Tahunan Pelaksanaan TKT
Pembentukan dan Keanggotaan Komite Tata Kelola
Terintegrasi
Bank Sinarmas membentuk Komite Tata Kelola berdasarkan
Peraturan OJK Nomor 18/POJK.03/2014 tentang Penerapan
Tata Kelola Terintegrasi Bagi Konglomerasi Keuangan.
Peraturan tersebut mengatur mengenai jumlah dan komposisi
Komisaris Independen yang menjadi anggota Komite
Tata Kelola Terintegrasi. Keanggotaan Komite Tata Kelola
Terintegrasi di Bank Sinarmas disesuaikan dengan kebutuhan
Konglomerasi Keuangan serta efisiensi dan efektivitas
pelaksanaan tugas Komite Tata Kelola Terintegrasi dengan
memperhatikan paling sedikit keterwakilan masing-masing
sektor jasa keuangan. Keanggotaan Komite Tata Kelola
Terintegrasi dapat berupa keanggotaan tetap dan tidak tetap
disesuaikan dengan kebutuhan Konglomerasi Keuangan.
Pursuant to the aforementioned provisions and regulations,
membership of Integrated governance Committee is at least:
Establishment and Membership of Integrated
governance committee
Bank Sinarmas established governance Committee
pursuant to OJK Regulation No. 18/POJK.03/2014 on The
Implementation of Integrated governance For Financial
Conglomerates. The regulation governs the total and
composition of Independent Commissioner that becomes
member of Integrated governance Committee. Integrated
governance Committee Membership in Bank Sinarmas
is adjusted to the needs of Financial Conglomerates and
efficiency and effectiveness of the implementation of duties
of Integrated governance Committee by taking into account
at least the representation of each financial service sector.
Integrated governance Committee Membership can be
permanent or non-permanent, adjusted to the needs of
Financial Conglomerates.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.434
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Berdasarkan pada ketentuan dan peraturan tersebut di atas,
keanggotaan Komite Tata Kelola Terintegrasi paling sedikit
terdiri dari:
a) Seorang Komisaris Independen yang menjadi Ketua pada
salah satu komite pada Bank Sinarmas, sebagai ketua
merangkap anggota.
b) Komisaris Independen yang mewakili dan ditunjuk dari
Perusahaan Anak dalam Konglomerasi Keuangan, sebagai
anggota.
c) Seorang pihak independen, sebagai anggota.
d) Anggota Dewan Pengawas Syariah dari Perusahaan Anak,
sebagai anggota.
Tabel anggota Komite Tata Kelola Terintegrasi
No. Nama / Name Sebagai / Position in the CompanyJabatan / Position in
Integrated governance Committee
1 Sammy Kristamuljana Komisaris Entitas Utama / Commissioner in Main Entity Ketua / Head
2 Ketut SanjayaPihak Independen Entitas Utama / Independent Party in Main Entity
Anggota / Member
3 Ahmadi SukarnoDewan Pengawas Syariah Entitas Utama / Sharia Supervisory Board in Main Entity
Anggota / Member
4 Sinarta ginardiKomisaris Independen Asuransi Sinar Mas / ndependent Commissioner of Asuransi Sinar Mas
Anggota / Member
5 Petrus Kiki AndriesKomisaris Independen Asuransi Sinar Mas / Independent Commissioner of Asuransi Sinar Mas
Anggota / Member
6 M.Taofiq RidloDewan Pengawas Syariah Asuransi Sinar Mas / Sharia Supervisory Board of Asuransi Sinar Mas
Anggota / Member
7 Sidharta AkmamKomisaris Independen Asuransi Jiwa Sinarmas MSIg / Independent Commissioner of Asuransi Jiwa Sinarmas MSIg
Anggota / Member
8 Aditiawan ChandraKomisaris Independen Asuransi Simas Jiwa / Independent Commissioner of Asuransi Simas Jiwa
Anggota / Member
9 Chandra SetiawanKomisaris Independen Asuransi Simas Net / Independent Commissioner of Asuransi Simas Net
Anggota / Member
10 Mulabasa HutabaratKomisaris AB Simas Finance / Commissioner of AB Simas Finance
Anggota / Member
Independensi Komite Tata Kelola Terintegrasi
Tabel independensi anggota Komite Tata Kelola Terintegrasi
Nama / NameKriteria Independensi / Criteria of Independency
Status1 2 3 4 5 6 7
Sammy Kristamuljana √ √ √ √ √ √ √ Independen
Ketut Sanjaya √ √ √ √ √ √ √ Independen
Ahmadi Sukarno √ √ √ √ √ √ √ Independen
Sinarta ginardi √ √ √ √ √ √ √ Independen
Pursuant to provision and regulation above, membership of
Integrated governance Committee is at least consists of:
a) An Independent Commissioner who is a Chairman of
one of committees in Bank Sinarmas, as chairman and
member.
b) An Independent Commissioner who represents and is
appointed from Subsidiary in Financial Conglomerates, as
a member.
c) An independent party, as a member.
d) Member of Sharia Supervisory Board from Subsidiary, as a
member.
Table of member of Integrated governance Committee
Independency of Integrated governance committee
Table of independency of member of Integrated governance
Committee
Annual Report 2015 | PT. BANK SINARMAS Tbk. 435
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Nama / NameKriteria Independensi / Criteria of Independency
Status1 2 3 4 5 6 7
Petrus Kiki Andries √ √ √ √ √ √ √ Independen
M.Taofiq Ridlo √ √ √ √ √ √ √ Independen
Sidharta Akmam √ √ √ √ √ √ √ Independen
Aditiawan Chandra √ √ √ √ √ √ √ Independen
Chandra Setiawan √ √ √ √ √ √ √ Independen
Mulabasa Hutabarat √ √ √ √ √ √ √ Independen
Keterangan:
1. Bukan Anggota Manajemen
2. Bebas dari hubungan usaha dan hubungan lainnya yang
dapat mempengaruhi keputusan
3. Bukan pemegang saham mayoritas atau pegawai yang
berhubungan langsung dengan pemegang saham
mayoritas.
4. Bukan pegawai atau pernah bekerja sebagai eksekutif
pada perusahaan atau anggota perusahaan afiliasi
setidaknya 3 (tiga) tahun sebelum menjadi anggota
Komite.
5. Bukan penasihat atau konsultan utama profesional yang
material bagi perusahaan atau perusahaan afiliasi atau
pegawai yang beruhubungan langsung dengan penyedia
jasa, setidaknya 3 (tiga) tahun sebelum menjadi anggota
Komite.
6. Bukan pemasok atau pelanggan utama dari perusahaan
atau perusahaan afiliasi atau pegawai dari/atau yang
berhubungan langsung atau tidak langsung dengan
pemasok atau pelanggan utama.
7. Tidak memiliki hubungan perjanjian dengan perusahaan
atau perusahaan afiliasi alinnya sebagai Direksi.
Pedoman Komite Tata Kelola Terintegrasi
Dalam melaksanakan fungsi dan perannya, KomiteTata
Kelola Terintegrasi Bank Sinarmas telah dilengkapi dengan
pedoman tata kelola terintegrasi yang terdiri dari kerangka
tata kelola bagi entitas utama dan kerangka tata kelola bagi
konglomerasi keuangan.
1. Kerangka Pedoman Tata Kelola Perusahaan bagi Entitas
Utama
No Kerangka TKT Entitas Utama / Integrated Corporate governance Framework of the Main Entity
1 Persayaratan Direksi dan Dewan Komisaris / Requirements for the Board of Directors and Board of Commissioners
2Tugas dan Tanggung Jawab Direksi dan Komisaris / Duties and Responsibilities of the Board of Directors and Board of Commissioners
Description:
1. Not a Member of Management.
2. Free from business relations and other relations that can
affect decisions.
3. Not a majority shareholders or employee that directly
contacts with majority shareholders.
4. Not an employee or have worked as an executive in the
Company or member of affiliated companies at least 3
(three) years prior to become Committee member.
5. Not an adviser or professional main consultant that is
material for the Company or affiliated companies or
employee that directly contacts with service provider, at
least 3 (three) years prior to become Committee member.
6. Not a supplier or main customer of the Company or
affiliated companies or employee of/or directly or indirectly
contacts the supplier or main customer.
7. Does not have agreement relations with the Company or
other affiliated companies as Board of Directors.
Integrated governance committee charter
In implementing its functions and roles, Integrated
governance Committee of Bank Sinarmas is equipped with
integrated governance guideline which consists of governance
framework for the main entity and governance framework for
financial conglomerates.
1. Corporate governance guideline Framework for Main
Entity
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.436
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
No Kerangka TKT Entitas Utama / Integrated Corporate governance Framework of the Main Entity
3Tugas dan Tanggung Jawab Komite Tata Kelola Terintegrasi / Duties and Responsibilities of Integrated governance Committee
4Tugas dan Tanggung Jawab Satuan Kerja Kepatuhan Terintegrasi (SKKT) / Duties and Responsibilities of Integrated Compliance Unit (SKKT)
5Tugas dan Tanggung Jawab Satuan Kerja Audit Intern Terintegrasi (SKAIT) / Duties and Responsibilities of Integrated Internal Audit Unit (SKAIT)
6 Penerapan Manajemen Risiko Terintegrasi / Implementation of Integrated Risk Management
2. Kerangka Pedoman Tata Kelola Perusahaan bagi anggota
Konglomerasi Keuangan
NoKerangka TKT Lembaga Jasa Keuangan (Anggota Konglomerasi Keuangan) / Integrated Corporate
governance Framework of Financial Service Institutions (Member of Financial Conglomerates)
1 Persayaratan Direksi dan Dewan Komisaris / Requirements for the Board of Directors and Board of Commissioners
2 Persayaratan Anggota Dewan Pengawas Syariah / Requirements for Member of Sharia Supervisory Board
3 Struktur Direksi dan Dewan Komisaris / Structure of the Board of the Board of Directors and Board of Commissioners
4 Struktur Dewan Pengawas Syariah (DPS) / Structure of Sharia Supervisory Board (DPS)
5 Independensi Dewan Komisaris / Independency of the Board of Commissioners
6 Pelaksanaan Fungsi Pengurusan oleh Direksi / Implementation of Management Function by the Board of Directors
7Pelaksanaan Fungsi Pengawasan oleh Dewan Komisaris / Implementation of Supervisory Function by the Board of Commissioners
8Pelaksanaan Fungsi Pengawasan oleh Dewan Pengawas Syariah / Implementation of Supervisory Function of Sharia Supervisory Board
9Pelaksanaan Fungsi Kepatuhan, Fungsi Audit Intern dan Pelaksanaan Audit Ekstern / Implementation of Compliance Function, Internal Audit Function and Implementation of External Audit
10 Penerapan Fungsi Manajemen Risiko / Implementation of Risk Management Function
11 Kebijakan Remunerasi / Remuneration Policy
12 Pengelolaan Benturan Kepentingan / Conflict of Interest Management
Tugas, wewenang, dan Tanggung Jawab Komite Tata
Kelola Terintegrasi
Tugas, wewenang, dan tanggung jawab Komite Tata Kelola
Terintegrasi sebagai berikut:
1. Mengevaluasi pelaksanaan tata kelola terintegrasi melalui
penilaian:
a) Kecukupan Pengendalian Internal Terintegrasi
1) Melakukan evaluasi bahwa Bank Sinarmas
dan Perusahaan Anak telah memiliki sistem
pengendalian internal (internal control system)
terintegrasi yang baku sesuai dengan praktek
terbaik (best practice) yang berlaku melalui kajian
atas Pedoman Tata Kelola Terintegrasi yang
diberlakukan di Bank Sinarmas .
2. Corporate governance guideline Framework for members
of Financial Conglomerates
Duties, Authorities, and Responsibilities of Integrated
governance committee
Duties, authorities, and responsibilities of Integrated
governance Committee are as follows:
1. Evaluating the implementation of integrated governance
through assessment.
a) Adequacy of Integrated Internal Control
1) Evaluating that Bank Sinarmas and Subsidiaries
possesses standard integrated internal control
system in line with the best practice that prevails
through review of Integrated governance guideline
within Bank Sinarmas.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 437
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
2) Melakukan pemantauan dan evaluasi mengenai
efektivitas penerapan pengendalian internal
terintegrasi melalui kajian atas Laporan Berkala
dan Laporan Hasil Pemeriksaan yang dikeluarkan
Satuan Kerja Audit Intern Terintegrasi.
3) Melakukan pertemuan berkala dengan Satuan
Kerja Audit Intern Terintegrasi untuk membahas
hal-hal terkait dengan sistem pengendalian internal
terintegrasi dan pelaksanaannya.
4) Melakukan pemantauan dan mengevaluasi
pelaksanaan tindak lanjut oleh Direksi Bank
Sinarmas dan Perusahaan Anak atas hasil temuan
Satuan Kerja Audit Intern Terintegrasi, Kantor
Akuntan Publik, dan hasil pengawasan Otoritas
Jasa Keuangan mengenai kelemahan pada sistem
dan pelaksanaan pengendalian internal terintegrasi
5) Melaporkan secara berkala atas hasil pemantauan
dan memberi masukan atas hal-hal terkait
pengendalian internal terintegrasi yang perlu
menjadi perhatian Dewan Komisaris Bank Sinarmas
dan Perusahaan Anak.
b) Pelaksanaan Fungsi Kepatuhan Secara Terintegrasi
1) Melakukan pemantauan dan evaluasi atas
kepatuhan Bank Sinarmas dan Perusahaan Anak
terhadap peraturan perundang - undangan yang
berlaku di bidang Pasar Modal serta peraturan
Otoritas Jasa Keuangan, Bank Indonesia dan
peraturan lainnya yang terkait dengan usaha
perbankan, asuransi, sekuritas dan pembiayaan
melalui koordinasi dengan Satuan Kerja Kepatuhan
Terintegrasi.
2) Mempelajari laporan berkala dan laporan hasil
pemeriksaan yang terkait dengan kepatuhan
terhadap peraturan intern dan ekstern yang
dikeluarkan oleh Satuan Kerja Kepatuhan
Terintegrasi dan auditor ektern.
3) Melakukan pertemuan berkala dengan Satuan
Kerja Kepatuhan Terintegrasi untuk membahas hal-
hal yang terkait dengan kepatuhan Bank Sinarmas
dan Perusahaan Anak terhadap peraturan intern
dan ekstern.
4) Melakukan pemantauan dan mengevaluasi
pelaksanaan tindak lanjut oleh Direksi Bank
Sinarmas dan Perusahaan Anak atas hasil temuan
Satuan Kerja Kepatuhan Terintegrasi, Kantor
Akuntan Publik, dan hasil pengawasan Otoritas
Jasa Keuangan mengenai kelemahan pada sistem
dan pelaksanaan fungsi kepatuhan terintegrasi.
2) Monitoring and evaluating the effectiveness of
integrated internal control implementation through
review of Periodic Report and Report of Evaluation
Result that are issued by Integrated Internal Audit
Work Unit.
3) Conducting periodic meeting with Integrated
Internal Audit Work Unit to discuss matters
related to integrated control system and the
implementation.
4) Monitoring and evaluating the follow-up by
the Board of Directors of Bank Sinarmas and
Subsidiaries on Integrated Internal Audit Work Unit
findings, Public Accounting Firm, and supervisory
result from Financial Services Authority concerning
weakness in system and implementation of
integrated internal control.
5) Reporting periodically the monitoring results and
providing inputs on matters related to integrated
internal control that requires attention from the
Board of Commissioners of Bank Sinarmas and
Subsidiaries.
b) Implementation of Integrated Compliance Function
1) Monitoring and evaluating the compliance of
Bank Sinarmas and Subsidiaries with laws and
regulations that prevail in Capital Market, as well
as Financial Services Authority, Bank Indonesia
regulations and other regulations related to
banking, insurance, securities, and financing
business through coordination with Integrated
Compliance Work Unit.
2) Studying the periodic report and report of
evaluation result that relates to compliance
with internal and external regulations issued by
Integrated Compliance Work Unit and external
auditor.
3) Conducting periodic meeting with Integrated
Compliance Work Unit to discuss matters related
to compliance of Banks Sinarmas and Subsidiaries
with internal and external regulations.
4) Monitoring and evaluating the follow-up by
the Board of Directors of Bank Sinarmas and
Subsidiaries on the findings of Integrated
Compliance Work Unit, Public Accounting
Firm, and result of supervision by Financial
Services Authority on weakness of system and
implementation of integrated compliance function.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.438
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
5) Melaporkan secara berkala atas hasil pemantauan
dan memberi masukan atas hal-hal terkait dengan
kepatuhan Bank Sinarmas dan Perusahaan Anak
terhadap peraturan intern dan ekstern yang perlu
menjadi perhatian Dewan Komisaris Bank Sinarmas
dan Perusahaan Anak.
2. Memberikan rekomendasi kepada Dewan Komisaris untuk
menyempurnakan pedoman tata kelola terintegrasi.
Pelaksanaan Tugas Komite Tata Kelola Terintegrasi
Komite bertanggung jawab kepada Dewan Komisaris dan
wajib menyampaikan laporan kepada Dewan Komisaris
atas setiap pelaksanaan tugas, disertai dengan rekomendasi
jika diperlukan baik triwulanan maupun tahunan serta
ditandatangani oleh Ketua Komite dan anggota Komite.
Selama tahun 2015, Komite Tata Kelola Terintegrasi telah
membahas dan menetapkan hal-hal terkait:
No Tanggal / Dated Judul Rapat / Meeting TitlePeserta Rapat / Meeting
Participant
14 Februari 2016 / February 4, 2016
Rapat semester II Komite Tata Kelola Terintegrasi / Semester II Meeting of Integrated governance Committee
1. Sammy Kirstamuljana2. Ketut Sanjaya3. Ahmadi Sukarno4. Petrus Kiki Andries5. M. Taoufiq Ridlo6. Sidharta Akmam7. Adityawan Chandra8. Ahmad Nuryadi Asmawi9. Chandra Setiawan10. Mulabasa Hutabarat
Laporan Self Assessment Pelaksanaan Tata Kelola
Terintegrasi
Hasil Self Assessment Pelaksanaan Tata Kelola Terintegrasi
Peringkat / Rating
Definisi Peingkat / Rating Definition
2
Konglomarasi keuangan dinilai telah melakukan penerapan tata kelola terintegrasi yang secara umum baik. Hal ini tercermin dari pemenuhan yang memadai atas penerapan prinsip tata kelola teritegrasi. Apabila terdapat kelemahan dalam penerapan tata kelola terintegrasi, secar umum kelemahan tersebut kurang signifikan dan dapat diselesaikan dengan tindakan normal baik oleh Entitas Utama maupun Lembaga Jasa Keuangan (LJK) anggota konglomerasi keuangan / Financial conglomerates has carried out the integrated corporate governance in a well manner in general. This is reflected in the compliance with the implementation of integrated corporate governance. If there is any weakness in the implementation, the weakness is considered not significant and can be finished by normal action, both by the Main Entity and Financial Service Institution (LIK), member of financial conglomerates.
5) Reporting periodically the result of monitoring and
providing inputs on matters related to compliance
of Bank Sinarmas and Subsidiaries with internal
and external regulations that require attention from
the Board of Commissioners of Bank Sinarmas and
Subsidiaries.
2. Providing recommendation to the Board of Commissioners
to improve the integrated governance guideline.
Implementation of Integrated governance committee
Duties
This committee is responsible to the Board of Commissioners
and shall submit report to the Board of Commissioners for
every duties implementation, equipped with recommendation
if required, both quarterly and annually, and is signed by
Chairman and member of the Committee. During 2015,
Integrated governance Committee has discussed and
determined the following matters:x
Report of Implemented Integrated governance
committee Duties
Result of Self-Assessment of the Implementation of Integrated
governance
Annual Report 2015 | PT. BANK SINARMAS Tbk. 439
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
KOMITE-KOMITE DI BAwAH DIREKSI
Komite-Komite Di Bawah Dewan Direksi
Committees under the Directors
ASSET & LIABILITyMANAgEMENT
cOMMITTEE (ALcO)
KOMITE KREDIT / CREDIT COMMITTEE
KOMITE INFORMATIONTEcHNOLOgy / INFORMATION TECHNOLOgy COMMITTEE
KOMITE MANAJEMENRISIKO / RISK
MANAgEMENT COMMITTEE
KOMITE HUMAN cAPITAL
MANAgEMENT (HcM) / HUMAN
CAPITAL MANAgEMENT
(HCM) COMMITTEE
ASSET & LIABILITy MANAgEMENT cOMMITTEE Asset & Liability Management Committee (ALCO) merupakan
komite di bawah Direksi dengan misi mencapai tingkat
profitabilitas Perseroan yang optimal serta risiko likuiditas,
risiko suku bunga, dan risiko valuta asing yang terkendali,
melalui penetapan kebijakan dan strategi aset dan pasiva
Perseroan (assets and liabilities management).
Fungsi Pokok ALCO antara lain:
• Menetapkansukubungadeposito,tabungan,dangiro.
• Menetapkansukubungapinjaman.
• Menetapkanstrategispendanaandaninvestasi.
• Menetapkanstrategihedging apabila dipandang perlu
melakukan hedging.
• Menetapkanlimityangberkaitandenganrisikolikuiditas,
risiko suku bunga, dan risiko valuta asing sesuai kebijakan
pengambilan risiko secara keseluruhan.
Wewenang Komite berada pada Rapat Komite yang sah dan
memiliki kekuatan penuh atas tanggung jawab Direksi. Komite
mempunyai wewenang untuk mengambil keputusan strategis
di bidang pengelolaan aset dan pasiva Perseroan (assets and
liabilities management) sejauh tidak melampaui wewenang
Direksi, seperti:
• Menetapkansukubungadeposito,tabungan,dangiro.
• Menetapkansukubungapinjaman.
• Menetapkanstrategipendanaandaninvestasi.
• Menetapkanstrategihedging apabila dipandang perlu
melakukan hedging.
cOMMITTEES UNDER BOARD OF DIREcTORS
ASSET & LIABILITy MANAgEMENT cOMMITTEE Asset & Liability Management Committee (ALCO) is a
committee under Board of Directors with mission of achieving
the Company’s optimum profitability level along with liquidity
risk, interest rate risk, and controlled foreign exchange risk,
through the determination of policies and strategies upon
assets and liabilities management.
ALCO main functions are as follows:
• Determiningdepositsinterestrate,saving,andgiro.
• Determiningloaninterestrate.
• Determininginvestmentandfundingstrategy.
• Determininghedgingstrategyifneeded.
• Determiningtherelatedlimittowardsliquidityrisk,interest
rate risk, and foreign exchange risk according to the
overall risk taken policies.
Committee authorities belong to the legal Committee Meeting
and hold an absolute authority on the responsibilities of Board
of Directors. The Committee owns authorities to take strategic
decisions in the Company’s asset and liabilities management
as long as it does not exceed the authorities of Board of
Directors, such as:
• Determiningdepositsinterestrate,saving,andgiro.
• Determiningloaninterestrate.
• Determininginvestmentandfundingstrategy.
• Determininghedgingstrategyifneeded.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.440
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
• Determiningtherelatedlimittowardsliquidityrisk,interest
rate risk, and foreign exchange risk according to the
overall risk taken policies.
During 2015, ALCO held 12 meetings chaired by the Head
of Committee in which the decision made by consensus
agreement and written in meeting minutes, and well-
documented to provide recommendations to Board of
Directors.
Table of ALCO meeting agenda
cORPORATE cREDIT cOMMITTEE Based on Decree No. 023/2014/DIR6-CA dated November
26, 2014 regarding the Structure and Authorities of Bank
Sinarmas Credit Committee, the provision and determination
are as follows:
• Newcredit,bothnewandexisting,cashandnon-cash
• MoneyMarketLine
• ForexLine
• BacktoBack
During 2015, Credit Committee did not hold meeting in
person, but decision-making is conducted circularly.
INFORMATION TEcHNOLOgy cOMMITTEE Information Technology (IT) Committee is established to
ensure the information technology system implementation is
in line with the Bank’s strategies. IT Committee is designated
to improve the excellency of Company’s competitiveness
through accurate information technology utilization.
• Menetapkanlimityangberkaitandenganrisikolikuiditas,
risiko suku bunga, dan risiko valuta asing sesuai kebijakan
pengambilan risiko secarakeseluruhan
Selama 2015, ALCO telah menyelenggarakan 12 kali rapat
yang dipimpin oleh ketua yang seluruh hasil rapatnya
diputuskan berdasarkan musyawarah mufakat dan dituangkan
secara tertulis ke dalam risalah rapat serta didokumentasikan
dengan baik guna memberikan rekomendasi kepada Direksi.
Tabel agenda rapat ALCO
Tanggal / Date Agenda Rapat / Meeting Agenda
20 Januari
Pembahasan Aset, Liabilitas, Likuditas, Income Structure, Cost Structure, Pricing Strategy, Market & Interest Rate Outlook / Discussion on Assets, Liabilities, Income Structure, Cost
Structure, Cost Structure, Pricing Strategy, Market & Interest Rate Outlook.
23 Februari
23 Maret
23 April
20 Mei
23 Juni
23 Juli
26 Agustus
23 September
21 Oktober
17 November
21 Desember
KOMITE KREDIT KORPORASIBerdasarkan Surat Keputusan No. SK 023/2014/DIR6-
CA tertanggal 26 November 2014 tentang Susunan dan
Wewenang Memutus Untuk Komite Kredit Corporate, diatur
ketentuan pemberian dan pemutusan fasilitas, seperti :
• Kreditbaikbarumaupunexisting, tunai dan non-tunai
• MoneyMarketLine
• ForexLine
• BacktoBack
Selama 2015, Komite kredit tidak menyelengarakan rapat
secara fisik, namun seluruh pengambilan keputusan dilakukan
secara sirkuler.
KOMITE INFORMATION TEcHNOLOgyKomite Information Technology (IT) dibentuk guna
memastikan penerapan sistem teknologi informasi sinergi
dengan strategi Perseroan. Komite IT bertujuan untuk
meningkatkan keunggulan bersaing Perseroan melalui
pemanfaatan teknologi informasi yang tepat guna.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 441
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Berdasarkan SK.017/2015/DIR8-IT tanggal 14 Agustus 2015,
Komite IT memiliki wewenang dan tanggung jawab untuk
memberikan rekomendasi kepada Direksi antara lain:
• RencanastrategisITyangsesuaidenganrencanastrategis
kegiatan usaha Bank. Dalam memberikan rekomendasi,
Komite hendaknya memperhatikan factor efisiensi,
efektifitas serta hal-hal sebagai berikut:
a) Rencana pelaksanaan (road map) untuk mencapai
kebutuhan IT yang mendukung Strategis Bisnis Bank.
Road map terdiri dari kondisi saat ini (current state),
kondisi yang ingin dicapai (future state) serta langkah-
langkah yang akan dilakukan untuk mencapai future
state.
b) Sumber Daya yang dibutuhkan.
c) Keuntungan/manfaat yang akan diperoleh saat
rencana diterapkan
• PerumusanKebijakandanProsedurITyangutamaseperti
kebijakan pengamanan IT dan manajemen risiko terkait
penggunaan IT di Bank.
• Kesesuaianproyek-proyekITyangdisetujuidengan
Rencana Strategis IT. Komite juga menetapkan status
prioritas proyek IT yang bersifat kritikal (berdampak
signifikan terhadap kegiatan operasional Bank) misalnya
pergantian Core Banking application, server production,
dan topologi jaringan.
• Kesesuaianpelaksanaanproyek-proyekITdenganrencana
proyek (project charter) yang disepakati dalam service level
agreement. Komite hendaknya melengkapi rekomendasi
dengan hasil analisis dari proyek-proyek IT yang utama
sehingga memungkinkan direksi mengambil keputusan
secara efisien.
• KesesuaianITdengankebutuhansisteminformasi
manajemen yang mendukung pengelolaan kegiatan usaha
Bank.
• Efektivitaslangkah-langkahminimalisasirisikoatas
investasi Bank pada sektor IT dan bahwa investasi tersebut
memberikan kontribusi terhadap tercapainya tujuan bisnis
Bank.
• PemantauanataskinerjaITdanupayapeningkatannya,
misalnya dengan mendeteksi keuangan IT dan mengukur
efektivias dan efisiensi penerapan kebijakan pengamanan
IT.
• UpayapenyelesaianberbagaimasalahterkaitIT,yangtidak
dapat diselesaikan oleh satuan kerja pengguna dan satuan
kerja penyelenggara. Komite memfasilitasi hubungan
antara kedua satuan kerja tersebut.
Pursuant to Decree SK.017/2015/DIRB-IT dated August 14,
2015, IT Committee has authorities and responsibilities to
provide recommendation to the Board of Directors, namely:
• ITstrategicplanthatisinaccordancewithBank’sbusiness
activities strategic plan. In providing recommendation,
the Committee shall takes into account efficiency and
effectiveness factors, as well as the following matters:
a) Road map to fulfill the needs for IT that supports
the Bank Business Strategy. The Road Map consists
of current state, future state, and steps required to
achieve future state.
b) Required Resources
c) Benefits/advantages obtained when the plan is being
implemented
• FormulationofprimaryITProceduresandPoliciessuchas
policies of IT security and risk management related to IT
usage in Bank.
• ConformityofITprojectsthathavebeenapprovedwithIT
Strategic Plan. This committee also determines the status
of IT project priority that is critical in nature (significantly
impact the Bank’s operational activities) such as changes in
Core Banking application, server production, and network
topology.
• ConformityofITprojectsimplementationwithagreed
project charter in service level agreement. The committee
shall complete the recommendation with result of analysis
from primary IT projects, thus enabling the Board of
Directors to make decision efficiently.
• ConformityofITwiththeneedsofmanagement
information system that supports the Bank business
activities management.
• EffectivenessofstepstominimizerisksonBank’s
investment in IT sector and that the investment provides
contribution to the achievement of Bank’s business
objective.
• MonitoringofITperformanceandimprovement,for
instance by detecting IT financial and measuring the
effectiveness and efficiency of implementation of IT
security policies.
• EfforttosettlevariousmattersrelatedtoITthatcannotbe
settled by user working unit and organizer working unit.
The committee facilitates the relations between the two
working units.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.442
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
• Kecukupandanalokasisumberdayayangdimiliki
Bank. Apabila sumber daya yang dimiliki tidak memadai
dan Bank menggunakan jasa pihak lain dalam
penyelenggaraan IT maka Komite IT harus memastikan
Bank telah memiliki kebijakan dan prosedur terkait
Selama 2015, Komite IT telah menyelenggarakan rapat
sebanyak 2 (dua) kali rapat yang dipimpin oleh ketua yang
seluruh hasil rapatnya diputuskan berdasarkan musyawarah
mufakat dan dituangkan secara tertulis ke dalam risalah
rapat serta didokumentasikan dengan baik guna memberikan
rekomendasi kepada Direksi.
Tabel agenda rapat Komite IT
Tanggal / Date Agenda Rapat / Meeting Agenda
30 Juli 2015 / July 30, 20151. Tata Kelola IT Steering Commitee / IT Steering Committee governance2. Testing DRP 2015 (Switchover DC - DRC) / DRP 2015 testing (Switchover DC - DRC)
16 Desember 2015 / December 16, 2015
1. T24 Upgrade2. Big Data Splunk3. SmartVista
KOMITE MANAJEMEN RISIKOKomite Manajemen Risko merupakan komite yang berada
di tingkat eksekutif, yang bertanggung jawab melakukan
evaluasi terhadap laporan profil risiko, mengevaluasi
metodologi risiko serta menentukan strategi untuk memitigasi
dan mengendalikan risiko-risiko tertentu.
Berdasarkan Surat Keputusan No. SK.015/2013/PRESDIR-
CorpSec tanggal 17 April 2013 tentang Perubahan Susunan,
Wewenang dan Tanggung Jawab Komite Manajemen Risiko,
wewenang dan tanggung jawabnya adalah melakukan
evaluasi dan memberikan rekomendasi kepada Direktur Utama
terkait Manajemen Risiko yang paling kurang meliputi:
• Penyusunankebijakanmanajemenrisikoserta
perubahannya, termasuk tingkat risiko yang diambil,
toleransi risiko, strategi manajemen risiko dan contingency
plan apabila terjadi kondisi eksternal tidak normal terjadi.
Penyusunan dimaksud dilakukan bersama-sama dengan
pimpinan satuan kerja operasional dan pimpinan Satuan
Kerja Manajemen Risiko (SKMR).
• Perbaikanataupenyempurnaanpenerapanmanajemen
risiko yang dilakukan secara berkala maupun bersifat
insidentil sebagai akibat dari suatu perubahan kondisi
eksternal dan internal Bank yang mempengaruhi
kecukupan permodalan dan profil risiko Bank dan hasil
evaluasi terhadap efektifitas penerapan tersebut.
• Adequacyandallocationofexistingresources.Ifthe
existed resources are not adequate and the Bank uses
service from other parties in IT procurement, the IT
committee shall ensure that the Bank has possessed the
related policies and procedures.
In 2015, IT Committee held 2 (two) meetings, chaired by
the Head of Committee in which the decision made by
consensus agreement and written in Meeting Minutes, and
well-documented to provide recommendations to Board of
Directors.
Table of IT Committee meeting agenda
RISK MANAgEMENT cOMMITTEE Risk Management Committee is a committee in position on
executive level and is responsible in conducting evaluation on
risk profiles report, evaluates risk methodology and determines
strategy to mitigate and control certain risks.
Based on Decree No. 015/2013/PRESDIR-CorpSec dated April
17, 2013, the duties and responsibilities of Risk Management
Committee are providing recommendations to President
Director related to Risk Management including, at the very
least:
• FormationofRiskManagementpolicyanditschanges,
including the Risk Management strategy, the level of risk
taken and risk tolerance, Risk Management frameworks
as well as contingency plans to anticipate abnormal
conditions. This formation is aimed to be conducted
altogether with operational work unit leaders and Risk
Management Work Unit (SKMR) head.
• CompletionoftheRiskManagementprocessperiodically
and incidental as a result of a change in the Bank’s
external and internal conditions affecting the Bank’s capital
adequacy, risk profile, and evaluation result upon the
affectivity of the application.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 443
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
• Penetapan(justification) atas hal-hal yang terkait
dengan keputusan-keputusan bisnis yang menyimpang
dari prosedur normal (irregularities), seperti keputusan
pelampauan ekspansi usaha yang signifikan dibandingkan
dengan rencana bisnis Bank yang telah ditetapkan
sebelumnya atau pengambilan posisi/eksposur risiko yang
melampaui limit yang telah ditetapkan.
Selama 2015, Komite Manajemen Risiko telah
menyelenggarakan rapat sebanyak 4 (empat) kali rapat yang
dipimpin oleh ketua yang seluruh hasil rapatnya diputuskan
berdasarkan musyawarah mufakat dan dituangkan secara
tertulis ke dalam risalah rapat serta didokumentasikan dengan
baik guna memberikan rekomendasi kepada Direksi.
Tabel agenda rapat Komite Manajemen Risiko
Tanggal / Date Agenda Rapat / Meeting Agenda
19 Januari 2015 / January 19, 2015
Hasil Self Assessment Tingkat Kesehatan Bank Semester II/2014 serta Profil Risiko Bank & UUS Triwulan IV/2014 / Result of Self Assessment of Bank’s Soundness Level for Semester II/2014 and Profile of Risk of Bank Risk & UUS for Quarter IV/2014
11 April 2015 / April 11, 2015Hasil Self Assessment Profil Risiko Bank dan Profil Risiko UUS Triwulan I/2015 / Result of Self Assessment of Bank Risk Profile and UUS Risk Profile for Quarter I/2015
15 Juli 2015 / July 15, 2015Hasil Self Assessment Tingkat Kesehatan Bank Semester I/2015 serta Profil Risiko Bank & UUS Triwulan II/2015 / Result of Self Assessment of Bank’s Soundness Level for Semester I/2015 and Profile of Risk of Bank & UUS for Quarter II/2015
19 Oktober 2015 / October 19, 2015
Hasil Self Assessment Profil Risiko Bank & UUS Triwulan III/2015 serta Simulasi Hasil Self Assessment Tingkat Kesehatan Bank Triwulan III/2015 / Result of Self Assessment of Profile of Risk of Bank & UUS for Quarter III/2015 and Simulation of Result of Self Assessment if Bank’s Soundness Level for Quarter III/2015
KOMITE HUMAN cAPITAL MANAgEMENT Dasar pembentukan Komite Human Capital Management
(HCM) adalah berdasarkan Surat Keputusan Direksi No.
SK.961/2013/DIR6-HCM tanggal 13 Juni 2013 tentang
Susunan dan Wewenang Human Capital Committee, yang
diketuai oleh Direktur Utama. Tugas dan tanggung jawab
Komite HCM adalah memutuskan promosi, mutasi, demosi,
untuk karyawan dengan jabatan minimal setara Departement
Head.
Selama 2015, Komite HCM tidak menyelenggarakan rapat
secara fisik namun seluruh pengambilan keputusan dilakukan
secara sirkuler.
• Determinationofpoliciesand/orbusinessdecisions
deviating from normal procedures (irregularities), such
as decision that exceeds significant business expansion
compared to business plan determined previously or
position/exposuremaking that exceeds the determined
limitation.
During 2015, Risk Management Committee held 4 (four)
meetings,, chaired by the Head of Committee in which
the decision made by consensus agreement and written
in Meeting Minutes, and well-documented to provide
recommendations to Board of Directors.
Table of Risk Management Committee meeting agenda
HUMAN cAPITAL MANAgEMENT cOMMITTEE The foundation of Human Capital Management (HCM)
Committee establishment is based on Decreeof Board of
Directors No.SK.961/2013/DIR6-HCM dated June 13, 2013
regarding the Composition and Authorities of Human
Capital Committee, chaired by President Director. The duties
and responsibilities of HCM Committee are to determine
promotion, mutation, demotion, for employees in position at
least equal to Department Head.
During 2015, HCM Committee did not hold meetings in
person, but decision-making was conducted circularly.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.444
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
SATUAN KERJA AUDIT INTERNAL (SKAI)Satuan Kerja Audit Internal (SKAI) merupakan fungsi
independen yang bertanggung jawab langsung kepada
Direktur Utama dan Dewan Komisaris melalui Komite Audit.
SKAI juga berfungsi memberikan assurance dan berperan
sebagai strategic business partner bagi semua tingkatan
manajemen guna mendorong pencapaian tujuan dan sasaran
Bank dengan melakukan evaluasi berdasarkan risk based audit
secara independen dan objektif, serta jasa konsultasi bagi
pihak intern Bank.
Struktur Organisasi dan SDM SKAI
SKAI dipimpin oleh Darwanti Juliastuti Haryo. Kepala SKAI
diangkat dan diberhentikan oleh Direktur Utama dengan
persetujuan Dewan Komisaris/Komite Audit dan dilaporkan
kepada Regulator.
Struktur organisasi SKAI Bank Sinarmas dan kedudukannya
dapat dilihat pada bagan sebagai berikut:
Group Head
Darwanti Juliastuti
TREASUy & INT’L BANKINg
RISK AUDIT DEPARTMENT
HEAD
BRANcHES cOORDINATOR
DEPT. HEAD(REgIONAL
3,10,14)
APMK, E-cHANNEL & IT RISK AUDIT DEPARTMENT
HEAD
BRANcHES cOORDINATOR
DEPT. HEAD(REgIONAL 2,9,13)
cREDIT RISK AUDIT
DEPARTMENT HEAD
BRANcHES cOORDINATOR
DEPT. HEAD(REgIONAL
8,11,12)
cREDIT RISK AUDIT
SEcTION HEAD
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 8)
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 11)
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 12)
TREASURy&
INTERNATIONAL BANKINg RISK
AUDITSEcT. HEAD
BRANcHEScOORDINATORSEcTION HEAD(REgIONAL 3)
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 10)
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 14)
SyARIAH SEcTION
HEAD
APMK RISK AUDIT SEcT. HEA
E-cHANNELRISK AUDITSEcT. HEAD
IT RISK AUDIT SEcT. HEAD
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 2)
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 9)
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 13)
HEAD OFFIcEAUDITOR
BRANcHAUDITOR
BRANcHAUDITOR
BRANcHAUDITOR
HEAD OFFIcE AUDITOR
BRANcHAUDITOR
BRANcHAUDITOR
BRANcHAUDITOR
BRANcHAUDITOR
HEAD OFFIcE AUDITOR
HEAD OFFIcE AUDITOR
HEAD OFFIcE AUDITOR
BRANcHAUDITOR
BRANcHAUDITOR
BRANcHAUDITOR
OPERATIONAL RISK AUDIT & SPEcIAL cASE
DIVISION HEADKanthi Nalarantini
OPERATIONAL RISK AUDIT & SPEcIAL cASE DEPARTMENT
HEAD
OPERATIONAL RISK AUDIT-
PRODUcT& SPEcIAL cASE
SEcT. HEAD
OPERATIONAL RISK AUDIT-
TRANSAcTION& SPEcIAL cASE
SEcT. HEAD
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 1)
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 4)
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 5)
HEAD OFFIcEAUDITOR
HEAD OFFIcEAUDITOR
BRANcHAUDITOR
BRANcHAUDITOR
BRANcHAUDITOR
BRANcHES cOORDINATOR
DEPT. HEAD(REgIONAL 1,4,5)
RETAIL & MIcRO SMALL cREDIT
RISK AUDITDIV. HEAD
Syafaat Utama S
AUDIT DEV.& QUALITy ASSURANcEDEPT. HEAD
BRANcH cOORDINATOR
SEcT. HEAD (REgIONAL 6)
BRANcH cOORDINATOR
SEcT. HEAD (REgIONAL 7)
RETAIL & MIcRO SMALL cREDIT
RISK AUDIT SEcT. HEAD
AUDIT DEV.& QUALITy ASSURANcESEcT. HEAD
BRANcHAUDITOR
BRANcHAUDITOR
HEAD OFFIcE AUDITOR
HEAD OFFIcE AUDITOR
RETAIL & MIcRO SMALL cREDIT
RISK AUDITDEPT. HEAD
cREDIT RISK AUDIT DIVISION
HEADElizabeth Megawati
TREASURy & INTERNATIONAL BANKINg RISK
AUDIT DIVISION HEAD
Femi Anggraini
APMK, E-cHANNEL & IT RISK AUDIT DIVISION HEAD
Zulkarnaen
INTERNAL AUDIT UNITInternal Audit Unit (SKAI) is an independent function that
reports directly to the Managing Director and Board of
Commissioners through the Audit Committee. Internal Audit
function is to provide assurance and serve as a strategic
business partner for all levels of management in order to
encourage the achievement of the goals and objectives of
the bank to evaluate risk based audit independently and
objectively, as well as consulting services for the internal bank.
Internal Audit Unit’s Organization Structure and HR
SKAI is led by Darwanti Juliastuti Haryo. Head of Internal Audit
is appointed and dismissed by the Managing Director with the
approval from Board of Commissioners / Audit Committee and
reported to the Regulator.
The organizational structure of Bank Sinarmas’ Internal Audit
Unit can be seen in the following chart:
Annual Report 2015 | PT. BANK SINARMAS Tbk. 445
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Group Head
Darwanti Juliastuti
TREASUy & INT’L BANKINg
RISK AUDIT DEPARTMENT
HEAD
BRANcHES cOORDINATOR
DEPT. HEAD(REgIONAL
3,10,14)
APMK, E-cHANNEL & IT RISK AUDIT DEPARTMENT
HEAD
BRANcHES cOORDINATOR
DEPT. HEAD(REgIONAL 2,9,13)
cREDIT RISK AUDIT
DEPARTMENT HEAD
BRANcHES cOORDINATOR
DEPT. HEAD(REgIONAL
8,11,12)
cREDIT RISK AUDIT
SEcTION HEAD
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 8)
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 11)
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 12)
TREASURy&
INTERNATIONAL BANKINg RISK
AUDITSEcT. HEAD
BRANcHEScOORDINATORSEcTION HEAD(REgIONAL 3)
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 10)
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 14)
SyARIAH SEcTION
HEAD
APMK RISK AUDIT SEcT. HEA
E-cHANNELRISK AUDITSEcT. HEAD
IT RISK AUDIT SEcT. HEAD
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 2)
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 9)
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 13)
HEAD OFFIcEAUDITOR
BRANcHAUDITOR
BRANcHAUDITOR
BRANcHAUDITOR
HEAD OFFIcE AUDITOR
BRANcHAUDITOR
BRANcHAUDITOR
BRANcHAUDITOR
BRANcHAUDITOR
HEAD OFFIcE AUDITOR
HEAD OFFIcE AUDITOR
HEAD OFFIcE AUDITOR
BRANcHAUDITOR
BRANcHAUDITOR
BRANcHAUDITOR
OPERATIONAL RISK AUDIT & SPEcIAL cASE
DIVISION HEADKanthi Nalarantini
OPERATIONAL RISK AUDIT & SPEcIAL cASE DEPARTMENT
HEAD
OPERATIONAL RISK AUDIT-
PRODUcT& SPEcIAL cASE
SEcT. HEAD
OPERATIONAL RISK AUDIT-
TRANSAcTION& SPEcIAL cASE
SEcT. HEAD
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 1)
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 4)
BRANcHES cOORDINATOR SEcTION HEAD (REgIONAL 5)
HEAD OFFIcEAUDITOR
HEAD OFFIcEAUDITOR
BRANcHAUDITOR
BRANcHAUDITOR
BRANcHAUDITOR
BRANcHES cOORDINATOR
DEPT. HEAD(REgIONAL 1,4,5)
RETAIL & MIcRO SMALL cREDIT
RISK AUDITDIV. HEAD
Syafaat Utama S
AUDIT DEV.& QUALITy
ASSURANcEDEPT. HEAD
BRANcH cOORDINATOR
SEcT. HEAD (REgIONAL 6)
BRANcH cOORDINATOR
SEcT. HEAD (REgIONAL 7)
RETAIL & MIcRO SMALL cREDIT
RISK AUDIT SEcT. HEAD
AUDIT DEV.& QUALITy ASSURANcESEcT. HEAD
BRANcHAUDITOR
BRANcHAUDITOR
HEAD OFFIcE AUDITOR
HEAD OFFIcE AUDITOR
RETAIL & MIcRO SMALL cREDIT
RISK AUDITDEPT. HEAD
cREDIT RISK AUDIT DIVISION
HEADElizabeth Megawati
TREASURy & INTERNATIONAL BANKINg RISK
AUDIT DIVISION HEAD
Femi Anggraini
APMK, E-cHANNEL & IT RISK AUDIT DIVISION HEAD
Zulkarnaen
guna mendukung independensi dan menjamin kelancaran
audit serta wewenang dalam memantau tindak lanjut, maka
Kepala SKAI dapat berkomunikasi langsung dengan Dewan
Komisaris atau Komite Audit untuk menginformasikan
berbagai hal yang berhubungan dengan audit. SKAI telah
mendapat dukungan dari Manajemen dan Dewan Komisaris
sehingga SKAI tidak mendapat hambatan dalam melakukan
pekerjaannya.
In order to support the independency and ensure proper audit
process, as well as the authority to monitor the follow-up
action, the Head of Internal Audit can directly communicate
with the Board of Commissioners or Audit Committee
to inform various matters related to audit. Internal Audit
has gained support from the Management and the Board
of Commissioners, thus the Internal Audit does not face
disruption in conducting its activity.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.446
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Kedudukan dan Hubungan SKAI dalam Organisasi
SKAI harus mendapat dukungan dari manajemen dan Dewan
Komisaris agar para auditor dapat memperoleh kerja sama
dari auditee dan melakukan pekerjaan tanpa hambatan.
Kedudukan SKAI dalam organisasi Bank Sinarmas adalah
sebagai berikut :
Board of Commissioners
SKAI Group Head
President Director
Compliance Director
Audit Committee
Profil Darwanti Juliastuti Haryo - Ketua Audit Internal
Darwanti Juliastuti Haryo
Ketua Audit Internal
Head of InternalAudit
Warga Negara Indonesia, 46 tahun. Menjabat sebagai
Kepala Audit Internal sejak 1 Januari 2011 sebagaimana
Surat Keputusan PT. Bank Sinarmas Tbk. Nomor
SK.012/2011/PRESDIR-HRM tanggal 28 Desember 2010
dan telah dilaporkan kepada Bank Indonesia dengan surat
No.SKL.002/2011/PRESDIR-CorpSec tanggal 3 Januari 2011.
Mengawali karir di Bank Sinarmas mulai 2004 sebagai Divison
Head Satuan Kerja Audit Internal (SKAI) hingga September
2005, kemudian dilanjutkan sebagai Kepala grup (Group
Internal Audit’s Position and Relationship In
Organization
Internal Audit Unit shall have the support of management
and Board of Commissioners that the auditor can obtain the
cooperation of the auditee and do the job without a hitch.
Internal Audit’s position in Bank Sinarmas’ organization is as
follows:
Profile of Darwanti Juliastuti Haryo - Head of Internal
Audit
Indonesian Citizen, 46 years old. She served as head of
Internal Audit since January 1, 2011 pursuant to Decree of
PT. Bank Sinarmas Tbk. No. SK.012/2011/PRESDIR-HRM dated
December 28, 2010 and reported to Bank Indonesia with
letter No. SKL.002/2011/PRESDIR-CorpSec dated January 3,
2011.
In 2004, she started her career at Bank Sinarmas as Division
Head of Internal Audit Work Unit (SKAI) until September 2005
prior to be appointed as group Head of Risk Management
Annual Report 2015 | PT. BANK SINARMAS Tbk. 447
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Head) Satuan Kerja Manajemen Risiko sejak Oktober 2005
hingga Desember 2010. Meraih gelar Sarjana Ekonomi dari
Fakultas Ekonomi Universitas Indonesia jurusan Akuntansi
pada 1994 dan Magister Manajemen jurusan Manajemen
Risiko pada 2007 dari Universitas Indonesia, serta memiliki
sertifikasi BSMR Level 5. Selain pendidikan formal, Beliau
juga mengikuti sejumlah pelatihan dan seminar diantaranya,
Konferensi Ikatan Auditor Intern Bank (IAIB) di Belitung
2014, Business Continuity Management Training Program di
Jakarta pada 2014, Seminar The Institute of Internal Auditors
Indonesia (IIA) tahun 2015 di yogyakarta.
Kualifikasi dan Jumlah Personil SKAI
Jumlah dan kualifikasi jabatan pegawai SKAI per posisi 31
Desember 2015, dapat dilihat pada tabel berikut:
Tabel jumlah pegawai SKAI
No Keterangan / Description S2 / Master’s S1 / Bachelor’s Jumlah / Total
1 Kepala SKAI / Head of Internal Audit 1 - 1
2 Kepala Divisi / Division Head - 5 5
3 Kepala Departemen / Department Head - 7 7
4 Kepala Seksi / Section Head 3 18 21
5 Auditor / Auditor 5 103 108
Jumlah / Total 9 133 142
Sertifikasi
Untuk meningkatkan profesionalisme dan kompetensi secara
berkesinambungan, SKAI telah melaksanakan serangkaian
program pelatihan teknis dan sertifikasi profesi bagi para
auditor, termasuk pelatihan soft-skills. Adapun sertifikasi
profesi yang telah diikuti oleh SKAI adalah Sertifikasi
Manajemen Risiko level 1 sampai level 5 sebanyak 34 orang.
Selain itu, SKAI juga telah mengikuti Sertifikasi Auditor Intern
Bank level auditor sebanyak 19 orang.
Tugas dan Tanggung Jawab SKAI
Berdasarkan Peraturan Bank Indonesia No. 1/6/PBI/1999
tentang Penugasan Direktur Kepatuhan (Compliance Director)
dan Penerapan Standar Pelaksanaan Fungsi Audit Intern Bank
Umum (SPFAIB), tugas dan tanggung jawab SKAI adalah
sebagai berikut:
• SKAIbertugasdanbertanggungjawabuntukmembantu
tugas Direktur Utama dan Dewan Komisaris dalam
melakukan pengawasan dengan cara menjabarkan secara
operasional baik perencanaan, pelaksanaan, maupun
pemantauan hasil audit.
Work Unit from October 2005 up to December 2010.
She obtained Bachelor of Economics degree from Faculty
of Economics, Accounting major in 1994 and Master of
Management, Risk Management major in 2007 from
University of Indonesia, as well as having BSMR Level 5
certification. In addition to formal education, she attended
trainings and seminars such as Bank Internal Auditor
Association (IAIB) Conference 2014 in Belitung Business
Continuity Management Training Program 2014 in Jakarta,
and Seminar of The Institute of Internal Auditors Indonesia
(IIA) in 2015 in yogyakarta.
Qualification and Total Internal Audit Personnels
Internal Audit’s total personnels and qualification as of
December 31, 2015 can be observed in the following table:
Table of total Internal Audit employees
certification
In order to improve the professionalism and competence on
an ongoing basis, Internal Audit has implemented a series
of technical training programs and professional certification
for auditors, including soft-skills training. Professional
certification that has been followed by Internal Audit Unit is
Risk Management Certification level 1 - 5 of 34 people. In
addition, Internal Audit Unit also participated in auditor-level
Bank internal Auditor Certification with 19 participants.
Duties and Responsibilities
Pursuant to Bank Indonesia Regulation No. 1/6/PBI/1999 on
the Assignment of Compliance Director and Internal Audit
Function Implementation Standards for Public Bank (SPFAIB),
Internal Audit has the following duties and responsibilities:
• InternalAuditisresponsibletosupportthetasksof
Managing Director and Board of Commissioners in
supervising planning, implementation, and audit result
monitoring with operational descriptions;
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.448
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
• Melakukananalisisdanpenilaiandibidangkeuangan,
akuntansi, operasional dan kegiatan lainnya melalui
pemeriksaan secara langsung (on-site) dan pemantauan
secara tidak langsung (off-site).
• Mengindentifikasisegalakemungkinanuntuk
memperbaiki dan meningkatkan efesiensi penggunaan
sumber daya dan dana.
• Memberikaninformasidansaranperbaikanyangobjektif
tentang kegiatan yang di review kepada semua tingkatan
manajemen.
Hubungan SKAI dengan Unit-Unit Lain
Tabel hubungan SKAI dengan unit-unit lain
Unit / Unit Keterangan / Description
Dewan Komisaris / Board of Commissioners
SKAI memiliki hubungan langsung dengan Dewan Komisaris atau melalui Komite Audit yang diketuai Komisaris Independen. Tanggung jawab akhir pengawasan ada pada Dewan Komisaris. Dalam hubungan ini, Dewan Komisaris berwenang untuk meminta Direksi menindaklanjuti hasil temuan pemeriksaan SKAI / Internal Audit Unit has direct connection to Board of Commissioners or through the Audit Committee chaired by an Independent Commissioner. Board of Commissioners is in charge of final supervisory. In this relation, Board of Commissioners is responsible to ask Board of Directors to follow up findings of the Internal Audit Unit.
Direktur Utama / President Director
Kepala SKAI bertanggung jawab langsung kepada Direktur Utama. SKAI menyampaikan laporannya kepada Direktur Utama dan Dewan Komisaris/Komite Audit dengan tembusan kepada Direktur Kepatuhan / Head of Internal Audit Unit is directly responsible to President Director. The Internal Audit Work Unit submits its report to President Director and Board of Commissioners/Audit Committee with a copy forwarded to Compliance Director.
Komite Audit / Audit Committee
SKAI setiap saat dapat berkomunikasi dan memiliki akses yang tidak terbatas kepada Komite Audit untuk menginformasikan berbagai hal yang berhubungan dengan hasil audit. Komite Audit akan melakukan evaluasi apakah rekomendasi perbaikan yang disampaikan oleh SKAI telah ditindaklanjuti oleh manajemen. Informasi ini harus disampaikan kepada Direktur Utama / Internal Audit Unit is able to communicate at any time and has no limited access to Audit Committee to submit information related to auditing results. Audit Committee will further evaluate whether the Internal Audit Work Unit’s recommendation for improvement has been followed-up by the management. The information must be submitted to President Director.
Direktur Kepatuhan / Compliance Director
Laporan audit yang disampaikan SKAI kepada Direktur Utama dan Dewan Komisaris/Komite Audit, diberikan tembusannya kepada Direktur Kepatuhan antara lain dimaksudkan untuk dijadikan sebagai informasi dalam rangka penyempurnaan prosedur kepatuhan yang ada di setiap unit kerja / Compliance Director receives a forwarded copy of Audit report submitted by the Internal Audit Unit to President Director and Board of Commissioners/Audit Committee and uses it as information to improve compliance procedures existing in each work unit.
Auditee / Auditee
Auditee berkewajiban untuk bersikap kooperatif demi kelancaran tugas SKAI, dan segera menindaklanjuti hasil temuan pemeriksaan SKAI serta memberikan komitmen untuk melakukan perbaikan dalam batas waktu tertentu. Dalam hal auditee tidak bersikap kooperatif dan tidak melakukan tindak lanjut perbaikan sesuai dengan komitmen yang telah disepakati, akan diberikan sanksi sesuai dengan peraturan perusahaan yang berlaku / The Auditee must be cooperative in supporting Internal Audit Unit’s duties, following-up audit findings as well as being committed to carry out improvement in a certain frame of time. Should the Auditee fails to cooperate and does not conduct follow-up on audit finding as it is approved, a sanction will be given in accordance with the prevailing company’s regulation.
Auditor Eksternal / External Auditor
SKAI bertanggung jawab untuk mengkoordinasikan kegiatannya dengan kegiatan Auditor Ekstern / Internal Audit Unit is responsible for coordinating its activities with External Auditor’s.
• Analyzeandassessfinancial,accounting,operational
and other activity fields through onsite and off-site
investigations;
• Identifyallpossibilitiestorecoverandimprovethe
efficiency of resources and fund utilization;
• Provideinformationandobjectiverecoveryadviceover
reviewed activities to all management levels.
Relationship with Other Units
Table of Internal Audit’s relationship with other units
Annual Report 2015 | PT. BANK SINARMAS Tbk. 449
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Independensi SKAI
Berdasarkan Piagam Audit Intern yang ditetapkan pada
tanggal 11 Desember 2015, indepedensi SKAI adalah sebagai
berikut :
1. SKAI harus dapat bekerja dengan bebas tanpa campur
tangan ataupun tekanan dari pihak manapun.
2. SKAI harus memiliki kebebasan dalam menetapkan
metode, cara, teknik, dan pendekatan audit yang akan
dilakukan.
3. SKAI harus memelihara sikap mental yang independen
dalam melakukan audit, yang tercermin dari laporan yang
lengkap, obyektif, serta berdasarkan analisa yang cermat
dan tidak memihak.
4. SKAI tidak diperkenankan merangkap jabatan atau
melakukan kegiatan operasional lainnya, dan tidak terlibat
dalam pengambilan keputusan operasional (hanya sebatas
memberikan rekomendasi).
5. SKAI dan auditor internal harus independen dari kegiatan
yang diaudit.
Realisasi Audit Plan 2015
SKAI telah melaksanakan program kerja sesuai dengan
Rencana Kerja SKAI pada 2015 sebagai berikut:
1. 40 Kantor Cabang dan 19 Divisi/Unit Kerja dilakukan
pemeriksaan tahunan.
2. Surprise audit pada 5 kantor Bank Sinarmas.
3. On the spot audit pada 163 kantor Bank Sinarmas.
Atas pemeriksaan yang telah dilakukan SKAI selama 2015,
tindak lanjutnya antara lain :
1. Merekomendasikan kepada Manajemen untuk melakukan
sosialisasi maupun edukasi untuk meningkatkan
pemahaman petugas terhadap alur kerja unit kerja,
ketentuan yang ada, hingga setiap kemungkinan risiko
yang terjadi pada setiap tugas dan tanggung jawab unit
kerja.
2. Menyampaikan laporan hasil pemeriksaan kepada
Manajemen dalam bentuk laporan Excecutive Summary
dan laporan triwulan.
3. Aktif melakukan monitoring atas tindak lanjut dari
rekomendasi hasil pemeriksaan.
Independency of Internal Audit
Based on Internal Audit Charter published in December 11,
2015, the Internal Audit Unit’s Independency is as follows:
1. Internal Audit Unit must perform independently without
intervention or pressure from any party.
2. Internal Audit Unit must be independent in determining
the methods, means, techniques and audit approach.
3. Internal Audit Unit must maintain independent mental
attitude in auditing, as reflected in complete and objective
reports based on thorough and unbiased analysis.
4. Internal Audit Unit is not permitted to have concurrent
positions or perform other operational activities and must
not involve in operational decision-making process (limited
to providing recommendations).
5. Internal Audit Unit and internal auditors must be
independent from the activities audited.
2015 Audit Plan Realization
Internal Audit Unit has performed its work program in
accordance with Internal Audit Unit Work Plan in 2015 as
follows:
1. Annual inspection at 40 Branch Offices and 19 Divisions/
Work Units
2. Surprise audit at 5 offices of Bank Sinarmas
3. On-the-spot audit for 163 offices of Bank Sinarmas
The follow-ups for the audits conducted by Internal Audit Unit
in 2015 are as follows:
1. Provide recommendations to the Management in
implementing dissemination and education to improve
the staff’s understanding towards work units work flow,
existing regulations, to each possibility of risk arising in
every task and responsibility of work units.
2. Deliver investigation result report to the Management in
the form of Executive Summary and quarterly report.
3. Active monitoring on the recommendation of investigation
result follow-up.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.450
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Laporan Pelaksanaan Kerja SKAI
Selama 2015, laporan pelaksanaan kerja SKAI sebagai berikut:
1. Membuat dan menyampaikan laporan progres dan hasil
pencapaian Rencana Kerja Tahunan, serta kecukupan
sumber daya kepada Direktur Utama dan Komite Audit
secara berkala.
2. Membuat dan menyampaikan laporan pelaksanaan
dan pokok-pokok hasil audit internal kepada Otoritas
Jasa Keuangan secara semesteran setelah mendapat
persetujuan dari Direktur Utama dan Direktur Kepatuhan.
3. Laporan hasil kaji ulang pihak eksternal yang memuat
pendapat tentang hasil kerja SKAI dan kepatuhannya
terhadap SPFAIB serta perbaikan yang mungkin dilakukan.
Rencana Kerja SKAI 2016
SKAI telah menyusun rencana kerja yang telah disetujui oleh
Direktur Utama, yaitu sebagai berikut:
1. Audit tahunan pada Kantor Cabang baik Konvensional
dan Sharia, serta Divisi/Unit Kerja.
2. Pemeriksaan secara Surprise Audit dan On The Spot Audit
pada kantor-kantor Bank Sinarmas yang tidak termasuk
pada jadwal audit tahunan.
3. Peningkatan kualitas audit dimulai dari proses pemeriksaan
yang terintegrasi dari awal persiapan sampai dengan
pembuatan Laporan Hasil Pemeriksaan dan tindaklanjut
hasil pemeriksaan (SLA).
4. Meningkatkan dan menjaga aspek kuantitas dan
kualitas auditor melalui program pelatihan dan sertifikasi
berkelanjutan.
SATUAN KERJA MANAJEMEN RISIKO (SKMR)Bank Sinarmas memiliki Satuan Kerja Manajemen Risiko
(SKMR) yang merupakan satuan kerja yang independen
terhadap satuan kerja operasional (risk taking unit) seperti
operasional, treasury dan investasi, kredit, pendanaan,
akunting dan terhadap satuan kerja yang melaksanakan
pengendalian internal (Satuan Kerja Audit Internal).
Pada posisi Desember 2015, SKMR terdiri dari 3 Divisi yaitu
Divisi Credit Risk Management, Divisi Operational Risk Division,
Divisi Market, Liquidity Risk dan Enterprise Risk Management
dengan total jumlah karyawan sebanyak 15 orang. Satuan
Kerja Manajemen Risiko bertanggung jawab kepada Direktur
Manajemen Risiko.
work Implementation Report of Internal Audit Unit
Internal Audit Unit’s duties implementation report throughout
2015 is as follows:
1. Regularly compose and deliver progress and achievement
result on Annual Work Plan report, as well as human
resources adequacy to Managing Director and Audit
Committee.
2. Compose and deliver implementation and internal audit
result in semester report to Financial Services Authorities
(OJK) after the approval from Managing Director and
Compliance Director.
3. Compose review report of external party which consists of
opinion on SKAI performance and compliance with SPFAIB
and possible improvement.
2016 Internal Audit Unit work Plan
Internal Audit Unit drafts a work plan, which has been
approved by President Director The plan is as follows:
1. Annual audit at Conventional and Sharia Branch Offices
and at Work Divisions/Units.
2. Conduct Surprise Audit and On-The-Spot Audit at Bank
Sinarmas offices, excluding offices that are not included in
annual audit schedule.
3. Audit quality improvement from integrated examination at
the beginning up to the composing of Examination Report
and follow-ups (SLA).
4. Improve and maintain auditor’s quantity and quality
through training and certification.
RISK MANAgEMENT wORK UNIT (SKMR) Bank Sinarmas has a Risk Management Work Unit (SKMR),
an independent unit from the risk-taking units such as
operational, treasury and investment, credit, finance,
accounting, and from Internal Audit Unit.
In December 2015, SKMR consisted of 3 Division, namely
Credit Risk Management Division, Operational Risk Division,
Market, Liquidity Risk and Enterprise Risk Management
Division with total employees of 15 employees. Risk
Management Work Unit is responsible to Risk Management
Director.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 451
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Struktur SKMR / SKMR Structure
RISK MANAGEMENT
DIRECTOR
cREDIT RISK MANAgEMENTDIVISION
MARKET, LIQUIDITyRISK & ERM DIVISION
OPERATIONAL RISK MANAgEMENT
DIVISION
wHOLESALE cREDIT RISK MANAgEMENT
DEPARTMENT
RETAIL cREDIT RISK MANAgEMENT DEPARTMENT
MARKET-LIQUIDITy MANAgEMENT DEPARTMENT
POLIcy & OPERATIONAL RISK REVIEw DEPARTMENT
ENTERPRISE RISK MANAgEMENT (ERM)
DEPARTMENT
OPERATIONAL RISK & INFRASTRUcTURE
DEPARTMENT
HEAD OF RISK MANAgEMENT gROUP
Tugas dan Tanggung jawab
Tanggung jawab SKMR dalam melaksanakan penerapan
manajemen risiko adalah sebagai berikut:
1. Memberikan masukan kepada Direksi dalam penyusunan
kebijakan, strategi, serta kerangka manajemen risiko.
2. Mengembangkan prosedur dan alat untuk identifikasi,
pengukuran, pemantauan dan pengendalian risiko.
3. Memantau pelaksanaan strategi manajemen risiko yang
direkomendasikan oleh Komite Manajemen Risiko dan
yang telah disetujui oleh Direksi.
4. Memantau posisi/eksposur risiko secara keseluruhan
(composite), per jenis risiko maupun per aktivitas
fungsional sesuai limit risiko yang ditetapkan.
5. Melakukan stress testing guna mengetahui dampak dari
pelaksanaan kebijakan dan strategi manajemen risiko
terhadap kinerja masing-masing satuan kerja operasional.
6. Melakukan kajian terhadap usulan aktivitas dan/atau
produk baru yang diajukan atau dikembangkan oleh suatu
unit tertentu yanh ada pada Bank.
7. Memberikan rekomendasi mengenai besaran atau
maksimum eksposur risiko yang wajib dipelihara Bank
kepada satuan kerja operasional dan kepada Komite
Manajemen Risiko, sesuai dengan kewenangan yang
dimiliki Satuan Kerja Manajemen Risiko.
8. Melakukan evaluasi terhadap akurasi model dan validasi
data yang digunakan oleh Bank untuk mengukur risiko.
9. Penyusunan dan penyampaian laporan Profil Risiko setiap
triwulan dan Tingkat Kesehatan Bank setiap semester
Duties and Responsibilities
SKMR has the following duties in implementing risk
management:
1. Provide feedback to Board of Directors in the development
of policies, strategies, and risk management framework.
2. Develop procedures and tools for the identification,
measurement, monitoring and risk control.
3. Monitoring of the implementation of risk management
strategies recommended by Risk Management Committee
and approved by Board of Directors.
4. Monitoring the overall risk position/exposure (composite)
per risk type and per functional activity based on the
determined risk limit.
5. Perform stress-testing to determine the impact of the
implementation of risk management policies and strategies
on the performance of each operating unit.
6. Perform assessment of the proposed activities and/or new
products proposed or developed by a specific unit of the
Bank.
7. Provide recommendations on the amount or the maximum
risk exposure that must be maintained by the Bank to
operational unit and Risk Management Committee, in
accordance with the competency of Risk Management
Unit.
8. Evaluation of the accuracy of the model and the validation
of the data used by the Bank to measure risks.
9. Preparation and submission of quarterly reports and the
risk profile of the Bank semiannually Risk Management
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.452
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Komite Manajemen Risiko dan Komite Pemantau Risiko,
yang kemudian akan dilaporkan kepada Otoritas Jasa
Keuangan.
10. Melakukan pemantauan dan kaji ulang terhadap
implementasi kebijakan, strategi dan kerangka manajemen
risiko.
SATUAN KERJA KEPATUHAN (SKK)Satuan Kerja Kepatuhan (SKK) dibentuk berdasarkan
Peraturan Bank Indonesia No. 13/2/PBI/2011 tentang
pelaksanaan Fungsi Kepatuhan Bank Umum.
Peran dan fungsi SKK sangatlah penting untuk memastikan
aturan yang dibuat oleh Bank selaras dengan peraturan/
ketentuan eksternal serta memastikan penerapan atas
peraturan/ketentuan tersebut telah dilaksanakan dengan
baik. Ketidakpatuhan terhadap peraturan/ ketentuan dapat
menimbulkan risiko yang bersifat finansial seperti denda, dan
non finansial seperti peringatan tertulis.
Sebagai komitmen Perseroan untuk senantiasa mematuhi
peraturan dan ketentuan yang dikeluarkan oleh regulator,
Bank Sinarmas membentuk SKK yang bersifat independen dan
bebas dari pengaruh satuan kerja lainnya serta mempunyai
akses langsung kepada Direktur Kepatuhan.
Direktur yang Membawahi Fungsi Kepatuhan
Direktur yang membawahkan Fungsi Kepatuhan adalah Salis
Teguh Hartono selaku Direktur Compliance.
Proses Pengangkatan, Pemberhentian dan/atau
Pengunduran Diri Direktur Kepatuhan
Proses pengangkatan, pemberhentian dan/atau pengunduran
Direktur yang membawahkan Fungsi Kepatuhan di Bank
Sinarmas telah diatur sebagai berikut:
1. Pengangkatan, pemberhentian, dan/atau pengunduran
diri Direktur yang membawahkan Fungsi Kepatuhan Bank
Sinarmas telah mengacu kepada ketentuan mengenai
pengangkatan, pemberhentian, dan/atau pengunduran
diri anggota Direksi sebagaimana dimaksud dalam
ketentuan Bank Indonesia yang mengatur mengenai Bank
Umum, serta PBI No. 13/2/PBI/2011 tentang Pelaksanaan
Fungsi Kepatuhan.
2. Dalam hal Direktur yang membawahkan Fungsi Kepatuhan
berhalangan tetap, mengundurkan diri, atau habis masa
jabatannya, maka Bank segera mengangkat pengganti
Direktur yang membawahkan Fungsi Kepatuhan.
Committee and Risk Monitoring Committee, which will
then be reported to the Financial Services Authority (FSA).
10. Monitoring and review on the implementation of risk
management policy, strategy and framework.
cOMPLIANcE wORK UNIT (SKK) Compliance Work Unit was established pursuant to
Bank Indonesia Regulation No.13/2/PBI/2011 on The
Implementation of Compliance Function of Commercial Banks.
Roles and functions of SKK are necessary to ensure that
regulations made by Bank are in accordance with external
regulations/provisions, and to ensure that the regulations/
provisions have been implemented in a well manner.
Disobedience to the regulations/provisions can cause financial
risks, such as fine, and non-financial risks, such as written
warning.
As a commitment of the Company to continue to comply
with the rules and regulations issued by the regulator, Bank
Sinarmas established the SKK which is independent and free
from the influence of other work units as well as having direct
access to the Compliance Director.
Overseeing Director for compliance Function
Overseeing Director for Compliance Function is Salis Teguh
Hartono as Compliance Director.
Appointment, Dismissal and/or Resignation Process of
compliance Director
The appointment, dismissal and/or resignation process
of Overseeing Director for Compliance Function in Bank
Sinarmas have been regulated s follows:
1. The appointment, dismissal and/or resignation of
Overseeing Director for Compliance Function of Bank
Sinarmas refers to the regulations on the appointment,
dismissal and/or resignation of Board of Directors’
members in Bank Indonesia regulation on Commercial
Bank, and PBI No. 132/PBI2011 on the Implementation of
Compliance Function.
2. In the event of Overseeing Director for Compliance
Function is permanently absent, resigns or is at the end of
his/her tenure, the Company must immediately appoint a
successor for the position.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 453
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
3. Selama dalam proses penggantian Direktur yang
membawahkan Fungsi Kepatuhan, ditunjuk salah satu
Direktur lainnya untuk sementara melaksanakan tugas
Direktur yang membawahkan Fungsi Kepatuhan.
4. Direktur yang melaksanakan tugas sementara sebagai
Direktur yang membawahkan Fungsi Kepatuhan, baik
karena berhalangan sementara maupun berhalangan
tetap, tidak dirangkap oleh Direktur Utama dan/atau Wakil
Direktur Utama dan Direktur yang membawahkan fungsi-
fungsi yang dapat mempengaruhi independensinya. Dalam
hal direktur lain yang merangkap jabatan Direktur yang
membawahkan Fungsi kepatuhan tidak ada, maka jabatan
Direktur yang membawahkan Fungsi Kepatuhan dirangkap
sementara oleh Direktur lainnya yang membawahkan
fungsi-fungsi operasional.
5. Setiap penggantian jabatan Direktur yang membawahkan
Fungsi Kepatuhan senantiasa dilaporkan kepada Bank
Indonesia. Pengangkatan Direktur yang membawahkan
Fungsi Kepatuhan telah melalui Fit & Proper Test sesuai
dengan Ketentuan Bank Indonesia dan Otoritas Jasa
Keuangan
Struktur SKK / SKK Structure
Compliance Director
Group Head Compliance
UKPN DIVISION
cDDD & INVESTIgATION
OPERATIONAL RELATED
BIDANg KREDIT & OPERASIONAL
cOMPLIANcE cOMMUNIcATION
BIDANg IT
MONITORINg & REPORTINg
LENDINg RELATEDBIDANg PASAR &
SyARIAH
IT DEVELOPMENT & SyNcHRONIZATION
REVIEw & DATA SUPPORTINg
cOMPLIANcE cULTURE DEVELOPMENT
SISTEM & PROcEDURE cOMPLIANcE
cOMPLIANcE DIVISION
3. During the appointment process for the position of
Overseeing Director for Compliance Function, another
Director shall be appointed to temporarily run his/her
duties.
4. The Director that temporarily conduct duties as Overseeing
Director for Compliance Function, both due to temporary
or permanent absence, shall not be concurrently assigned
to President Director and/or Vice President Director and
other Directors conducting functions that may affect his/
her independency. In the event of the absence of other
director that serves concurrently as Overseeing Director
for Compliance Function, such position will be temporarily
assigned to other Director that oversees operational
functions.
5. Each change of position for Overseeing Director for
Compliance Functions is reported to Bank Indonesia.
The appointment of Overseeing Director for Compliance
Function has been conducted through Fit & Proper Test in
accordance with the Regulations of Bank Indonesia and
Financial Services Authority.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.454
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Profil SKK
SKK Bank Sinarmas terdiri dari beberapa divisi yakni
Divisi Compliance, Divisi UKPN, Departemen Sisdur, dan
Departemen Compliance Culture. SKK Bank Sinarmas saat
ini dipimpin oleh Bapak Purwanto sebagai Group Head
Compliance, Bapak Harri Setiabudi sebagai Kepala Divisi
Compliance, dan Bapak Inung Nugroho sebagai Kepala Divisi
Unit Kerja Pengenalan Nasabah (UKPN) yang dibentuk untuk
memastikan tingkat kepatuhan seluruh jenjang organisasi
Bank Sinarmas atas ketentuan dan peraturan perundang-
undangan yang berlaku, pemenuhan komitmen kepada
regulator, pelaksanaan aktivitas usaha kredit dan pengadaan
barang serta jasa yang wajar, memastikan kepatuhan kegiatan
operasional di setiap unit kerja, serta penerapan prinsip APU
dan PPT sebagai upaya Bank Sinarmas menghindari tindak
pidana pencucian uang.
1. Divisi compliance
Memiliki tugas dan tanggung jawab untuk:
a. Melakukan pemantauan terhadap ketentuan eksternal
dari Regulator dan peraturan perundang-undangan yang
berlaku terkait penerapannya di unit-unit kerja Bank
Sinarmas beserta kajian dan dampak ketentuan tersebut
bagi Perusahaan;
b. Menyusun laporan Direktur Kepatuhan sesuai dengan
ketentuan PBI No.13/2/PBI/2011 tentang Pelaksanaan
Fungsi Kepatuhan Bank Umum, antara lain:
• LaporanBulanan:Dilakukansetiapbulan(internal),
merupakan rekapan dari kegiatan atau aktifitas
Direktorat Kepatuhan selama kurun waktu 1 (satu)
bulan.
• Laporan Triwulan : Dilakukan setiap bulan April (untuk
Triwulan I) dan bulan Oktober (untuk Triwulan II),
Laporan Triwulan ditujukan kepada Direktur Utama
dengan tembusan Dewan Komisaris. Laporan Triwulan
merupakan laporan yang dibuat untuk menyampaikan
tugas dan tanggung jawab Direktur Kepatuhan dan
Satuan Kerja Kepatuhan selama kurun waktu Triwulan.
• Laporan Semester: Dilakukan setiap bulan Juli (Untuk
Semester I) dan bulan Januari (untuk Semester II),
Laporan Semester ditujukan kepada Otoritas Jasa
Keuangan dengan tembusan Direktur Utama dan
Dewan Komisaris. Laporan Semester merupakan
laporan yang dibuat untuk menyampaikan tugas dan
tanggung jawab Direktur Kepatuhan dan Satuan Kerja
Kepatuhan.
• Laporan Good Corporate Governance : Merupakan
laporan Tata Kelola Perusahaan, dengan menjabarkan
penerapan prinsip-prinsip keterbukaan (transparency),
SKK Unit Profile
Bank Sinarmas’ SKK unit consists of divisions such as
Compliance Division, UKPN Division, System & Procedure
Division, and Compliance Culture. Currently, SKK unit is
chaired by Mr. Purwanti As group Head Compliance, Mr.
Harri Setiabudi as Head of Compliance Division and Mr. Inung
Nugroho as head of Customers Introduction Work Unit (UKPN)
Division. The Unit was established to ensure the compliance
rate of all organizational levels of Bank Sinarmas with the
prevailing rules and regulations, meet its commitment to
the regulators, conduct credit activities, procure goods and
services fairly and implement APU and PPT principles to avoid
money laundering.
1. compliance Division
Duties and responsibilities of Compliance Division:
a. Monitor the external conditions of the Regulator and the
legislation that applies to the application in work units
of Bank Sinarmas along with studies and impact of the
provision for the Company;
b. Prepare reports of the Director of Compliance in
accordance with the provisions of PBI regulation 13/2/
PBI/2011 on the implementation of the Compliance
Function of Commercial Banks, inter alia:
• Monthlyreport:Conductedeverymonth(internal),is
a recap of activities of the Compliance Directorate in 1
(one) month.
• QuarterlyReport:ConductedeveryApril(forthefirst
quarter) and in October (for the Quarter II), Quarterly
Report is addressed to the President Director with
a copy of the Board of Commissioners. Quarterly
Report is a report made to convey the duties and
responsibilities of the Director of Compliance and
Compliance Unit during the period of the Quarter.
• SemesterReport:ConductedeveryJuly(forthe1st
Semester) and January (for the 2nd Semester), the
Semester Report is addressed to the Financial Services
Authority with a copy to the President Director and
the Board of Commissioners. The Semester Report is a
report made to convey the duties and responsibilities
of the Director of Compliance and the Compliance
Working Unit.
• GoodCorporateGovernanceReport:Isareport
on good Corporate governance, by explaining
implementation of the principles of transparency,
Annual Report 2015 | PT. BANK SINARMAS Tbk. 455
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
akuntabilitas (accountability), tanggung jawab
(responsibility), independensi (independency), dan
kewajaran (fairness) dengan penuh kesadaran dan
tanggung jawab, sesuai dengan PBI No. 8/14/PBI/2006
serta perubahannya dan SE BI No.9/12/DPNP tentang
Pelaksanaan Good Corporate Governance Bagi Bank
Umum.
c. Melakukan review terhadap ketentuan-ketentuan internal
yang akan diberlakukan, dengan tujuan agar ketentuan
yang akan diterapkan di Bank Sinarmas telah sesuai
dengan ketentuan Eksternal (Regulator).
d. Membuat Check list Kepatuhan, Check list kepatuhan
dibuat sebagai monitoring kepatuhan terhadap jalannya
kegiatan perbankan, yakni check list untuk Produk dan/
atau Aktivitas baru dan check list untuk pembukaan/
relokasi Cabang.
e. Menindaklanjuti hasil temuan internal (SKAI) dan Eksternal
(BI, OJK, KAP) kepada unit kerja, sebagai komitmen Bank
kepada Regulator terhadap upaya-upaya perbaikan yang
telah dilakukan Bank.
f. Kepatuhan Terintegrasi, sebagai Entitas Utama maka
kepatuhan terintegrasi dilakukan dengan memantau
dan mengevaluasi pelaksanaan fungsi Kepatuhan pada
masing-masing LJK dalam konglomerasi keuangan.
2. Divisi UKPN (Unit Kerja Pengenalan Nasabah)
Memiliki tugas dan tanggung jawab untuk:
a. Melakukan koordinasi dan pemantauan terhadap
pelaksanaan kebijakan Prinsip Mengenal Nasabah, yakni
dengan melakukan kajian bahwa pedoman umum KyC
& AML telah sesuai dengan ketentuan eksternal yang
berlaku, memonitor pelaksanaan tahapan-tahapan CDD
(Customer Due Diligence) di Cabang-Cabang melalui
laporan Self Assessment.
b. Pemantauan pengkinian profil nasabah beserta
transaksinya pada seluruh Cabang, dilakukan dengan
memonitor pengkinian data nasabah melalui peran serta
Wakil Pemimpin Cabang (Kepala Operasional) selaku
penanggung jawab penerapan Prinsip Mengenal Nasabah.
c. Melakukan Pengembangan IT AML untuk menunjang
Program KyC dan pemantauan nasabah
d. Memantau, menganalisa, dan melaporkan pelaporan
Transaksi Tunai jumlah tertentu (CTR), Laporan Transaksi
Mencurigakan (STR), dan LTKL kepada PPATK, dengan
memastikan pelaksanaan pelaporan STR, CTR, dan LTKL
bagi cabang dan unit kerja terkait telah sesuai dengan
Pedoman Pencucian Uang (APU) dan Pencegahan
Pendanaan Terorisme (PPT).
accountability, responsibility, independency, and
fairness with full awareness and responsibility, in
accordance with PBI No. 8/14/PBI/2006 along with
its amendment and SE BI No.9/12/DPNP regarding
implementation of good Corporate governance for
Commercial Banks.
c. Review the internal provisions that will apply, in order
for the provisions to be applied in accordance with Bank
Sinarmas external regulations (Regulator).
d. Make a compliance checklist. A compliance checklist is
created as monitoring compliance with the activities of
banks, which are the check list for the new products and/
or activity and a check list for branch opening/relocation.
e. Follow up the internal (SKAI) and external (BI, FSA, KAP)
findings to work units, as the Bank’s commitment to the
Regulator on improvement efforts undertaken by the
Bank.
f. Integrated Compliance, as a main entity, integrated
compliance is conducted by monitoring and evaluating
implementation of compliance function to each LJK in the
financial conglomeration.
2. UKPN (customer Recognition working Unit) Division
Has duties and responsibilities to:
a. Coordinate and monitor the implementation of the Know
your Customer policy, which is by conducting a study that
the general guidelines on KyC and AML are in accordance
with applicable external regulations , monitoring the
implementation of the stages of CDD (Customer Due
Diligence) in Branches through Self Assessment report.
b. Monitor the updating of customer profiles and their
transactions in all branches, conducted by monitoring
customer data updating through the participation of the
Deputy Branch Manager (Chief Operating Officer) as a
person in charge of the Know your Customer principle.
c. Develop the IT AML to support the KyC program and
customer monitoring.
d. Monitor, analyze, and reporting the Report of Cash
Transaction in certain amount (CTR), Suspicious
Transaction Report (STR), and LTKL to PPATK, by ensuring
that the reporting of STR CTR, and LTKL for branches
and working units has been in accordance with Money
Laundering guidelines (AML), and Prevention of Funding
for Terrorism (PPT).
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.456
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
e. Menindaklanjuti atas laporan eksternal (Surat Pajak, BI,
dan KPK) yang menyangkut kerahasiaan Bank, yakni
dengan melakukan pengecekan nasabah mengenai
database yang bersangkutan sesuai dengan surat yang
dikirimkan/yang diterima dari pihak eksternal (Surat Pajak,
BI, dan KPK)
f. Menindaklanjuti data rekening nasabah (CIF “Customer
Information File”) ke Cabang, dengan melakukan
monitoring data CIF secara berkala baik melalui KyC
Cleansing maupun penarikan data sistem IT.
3. Departemen System and Prosedure
Memiliki tugas dan tanggung jawab untuk:
a. Melakukan review terhadap ketentuan terkait kebijakan
operasional & non operasional Bank yang disajikan dalam
bentuk SOP/SK/SE sesuai dengan ketentuan internal,
dengan mengumpulkan semua ketentuan yang ada terkait
dengan topik yang akan di review.
b. Mengelola data base portal internal dalam bentuk
daftar index, yakni dengan menginput ketentuan yang
dikeluarkan oleh seluruh unit kerja ke dalam Daftar
Index Portal dan melakukan monitoring keakuratan data
ketentuan internal yang terdapat pada Portal.
c. Melakukan evaluasi secara berkala terhadap kecukupan
kebijakan internal yang disesuaikan dengan kompleksitas
bisnis Bank, dengan membuat daftar ketentuan (SK/SOP
dan SE/Memo) yang dimilki oleh masing-masing unit kerja
dan mengirimkannya kepada pemimpin unit kerja.
4. Departemen compliance culture
Unit Kerja Compliance Culture didirikan sebagai salah satu
upaya peningkatan compliance awareness pada semua
tingkatan organisasi dan semua kegiatan usaha Bank. Adapun
program kerja Unit Kerja Compliance Culture diantaranya
melanjutkan program sosialisasi yang telah diselengarakan
sebelumnya melalui tatap muka seperti “Sosialisasi 35 Menit
bersama Compliance” dan “Sosialisasi APU PPT” juga melalui
media elektronik yang diberi nama “Coffee TIME”.
Coffee TIME adalah singkatan dari Compliance Forum for Fun
& Educate Employee yang merupakan forum yang dirancang
sebagai wadah edukasi bagi karyawan Bank Sinarmas dengan
cara yang lebih menarik dan menyenangkan sehingga dapat
meningkatkan Compliance Awarness dilingkungan kerja.
Penyampaiannya pun menggunakan media elektronik agar
mencakup seluruh karyawan yang tersebar di Indonesia serta
dapat diakses dengan cepat dan mudah.
e. Follow up on external reports (Tax Letter, BI, and KPK)
concerning the confidentiality of the Bank, which is by
checking the customers on the database in question in
accordance with the letter sent/received from external
parties (Tax Letter, BI and KPK).
f. Follow up customer account data (CIF “Customer
Information File”) to Branches, by monitoring CIF data
regularly either through KyC Cleansing and IT data
withdrawal system.
3. System and Procedure Department
Has duties and responsibilities to:
a. Review relevant provisions of the operational and non-
operational policy of the Bank are presented in the form
of SOP/SK/SE in accordance with internal regulations, by
collecting all existing provisions related to the topic that
will be reviewed.
b. Manage internal portal data base in the form of an index
list, by inputting provisions issued by all units in the
Index Portal List and monitoring the accuracy of the data
contained in the internal regulations of the Portal.
c. Conduct periodic evaluation of the adequacy of internal
policies that are tailored to the complexity of the Bank’s
business, by making a list of provisions (SK/SOP and SE/
Memo) owned by their respective work units and send
them to work unit leaders.
4. compliance culture Department
Compliance Culture Working Unit is established as one of
the efforts to increase compliance awareness at all levels
of organization and all business activities of the Bank. The
working programs of the Compliance Culture Working
Unit, inter alia, is continuing the socialization program that
has been previously held face-to-face such as “35-Minute
Socialization with Compliance” and “APU PPT Soialization”
also through electronic media named “Coffee TIME.”
Coffee TIME stands for Compliance Forum for Fun & Educate
Employee, which is a forum designed as an education forum
for Bank Sinarmas employees in a more interesting and
fun way to improve Compliance Awareness in the work
environment. The presentation also uses electronic media
in order to include all employees in Indonesia and can be
accessed quickly and easily.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 457
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Fungsi SKK
SKK dibentuk untuk melaksanakan fungsi kepatuhan yang
meliputi tindakan sebagai berikut:
1. Melakukan identifikasi, pengukuran, monitoring, dan
pengendalian terhadap Risiko Kepatuhan dengan
mengacu pada peraturan Otoritas yang berwenang
mengenai Penerapan Manajemen Risiko bagi Bank Umum;
2. Menilai dan mengevaluasi efektivitas, kecukupan, dan
kesesuaian kebijakan, ketentuan, sistem maupun prosedur
yang dimiliki oleh Bank dengan peraturan perundang-
undangan yang berlaku;
3. Melakukan review dan/atau merekomendasikan
pengkinian dan penyempurnaan kebijakan, ketentuan,
sistem maupun prosedur yang dimiliki oleh Bank agar
sesuai dengan ketentuan Otoritas yang berwenang dan
peraturan perundang-undangan yang berlaku;
4. Melakukan upaya-upaya untuk memastikan bahwa
kebijakan, ketentuan, sistem dan prosedur, serta kegiatan
usaha Bank telah sesuai dengan ketentuan Otoritas yang
berwenang dan peraturan perundang-undangan yang
berlaku; dan
5. Melakukan tugas-tugas lainnya yang terkait dengan Fungsi
Kepatuhan.
Tujuan jangka panjang dari penerapan fungsi kepatuhan ini
adalah menumbuhkan budaya kepatuhan di dalam internal
stakeholders meliputi pemegang saham, pengurus, pejabat
dan karyawan Bank Sinarmas.
Tugas dan Tanggung Jawab Direktur Kepatuhan
Tugas dan tanggung jawab SKK, meliputi:
1. Merumuskan strategi guna mendorong terciptanya budaya
kepatuhan (compliance culture);
2. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip
kepatuhan yang akan ditetapkan oleh Direksi;
3. Menetapkan sistem dan prosedur kepatuhan yang akan
digunakan untuk menyusun ketentuan dan pedoman
internal;
4. Memastikan bahwa seluruh kebijakan, ketentuan, sistem
dan prosedur, serta kegiatan usaha telah sesuai dengan
ketentuan Otoritas Jasa Keuangan/Bank Indonesia dan
peraturan perundang-undangan yang berlaku;
5. Meminimalkan risiko kepatuhan (compliance risk);
6. Melakukan tindakan pencegahan agar kebijakan dan/
atau keputusan yang diambil Direksi tidak menyimpang
dari ketentuan Otoritas Jasa Keuangan/Bank Indonesia
dan peraturan perundang-undangan yang berlaku, antara
lain memberikan pendapat yang berbeda/dissenting
SKK Functions
SKK unit was established to implement compliance functions
as follows:
1. Conduct identification, measuring, monitoring and
control on Compliance Risk by referring to the Authority’s
regulations in force on the Implementation of Risk
Management for Commercial Bank;
2. Assess and evaluate the effectiveness, adequacy and
conformity of policy, rules, system and procedure of the
Bank withe the regulations in force;
3. Review and/or recommend renewal and improvement
of policy, rules, system and procedures of the Bank in
accordance with the Authority’s rules and regulations in
force;
4. Conduct efforts to ensure that the policy, rules, system
and procedure and the Company’s bank activities have
been in accordance with the Authority’s rules and
regulations in force; and
5. Perform other duties related with Compliance Function.
The long-term purpose of the compliance function
implementation is to encourage compliance culture within the
stakeholders’ internal condition, including the shareholders,
management, executives and employees of Bank Sinarmas.
Duties and Responsibilities of SKK Unit
The duties and responsibilities of SKK unit are:
1. Drafting strategy in order to create compliance culture;
2. Suggesting compliance policy or principles that will be
determined by the Board of Directors;
3. Determining system and procedure of compliance that will
be used to draft internal regulations and guidelines;
4. Ensuring that all policies, regulations, systems, and
procedures, as well as business activities have been
well conducted in accordance with the regulations of
the Financial Services Authority or Bank Indonesia and
prevailing regulations;
5. Minimizing compliance risk;
6. Taking precautions to ensure that policies and/or decisions
taken Directors do not deviate from the provisions of
the Financial Services Authority/Bank Indonesia and the
legislation in force, among others, provide a different
opinion/dissenting opinions if there are policies and/or
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.458
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
opinion apabila terdapat kebijakan dan/atau keputusan
yang menyimpang dari ketentuan Otoritas Jasa Keuangan/
Bank Indonesia dan peraturan perundang-undangan yang
berlaku serta tanggung jawab dalam melakukan tindakan
pencegahan tersebut terbatas pada kewenangan Direktur
Kepatuhan;
7. Melakukan tugas-tugas lainnya yang terkait dengan fungsi
kepatuhan, antara lain adalah memantau dan menjaga
kepatuhan terhadap komitmen kepada Otoritas Jasa
Keuangan/Bank Indonesia maupun otoritas pengawas
lainnya yang berwenang.
Indikator Kepatuhan 2015
1. Bank Sinarmas terpilih sebagai Entitas Utama grup
Sinarmas melalui Surat Otoritas Jasa Keuangan No.S-95/
PB.33/2015 tanggal 1 Oktober 2015 tentang Penetapan
PT. Bank Sinarmas Tbk. sebagai Entitas Utama grup
Sinarmas, hal ini merupakan kepercayaan sekaligus
tanggung jawab yang harus ditunjukkan dengan
penerapan Tata Kelola dan Manajemen Risiko yang baik.
2. Hasil Self Assessment pelaksanaan Good Corporate
Governance (gCg) pada Bank Sinarmas posisi semester
I dan semester II Tahun 2015 berada pada peringkat 2
“baik” hal ini mencerminkan Manajemen Bank telah
melakukan penerapan Good Corporate Governance yang
secara umum baik.
Aktivitas Kepatuhan 2015
Sebagai bentuk komitmen terhadap ketentuan PBI No. 13/2/
PBI/2011 tanggal 12 Januari 2011, Bank Sinarmas menyusun
Compliance Framework sepanjang 2015 sebagai berikut:
I. Pelaksanaan Fungsi Kepatuhan
1. Mendorong terwujudnya Budaya Kepatuhan pada
semua tingkatan organisasi dan kegiatan usaha Bank.
Dalam rangka mendorong terwujudnya budaya
kepatuhan pada seluruh organisasi melakukan
kegiatan sosialisasi kepada seluruh jenjang organisasi
yang materinya berisikan ajakan, arahan untuk
meningkatkan kesadaran, pemahaman dan kepedulian
terhadap penerapan budaya kepatuhan dalam semua
aspek:
a. Sosialisasi secara tatap muka melalui program:
1. Sosialisasi “35 Menit Bersama Compliance”
yang materinya berisikan peran dan tugas
compliance, ajakan dan arahan untuk
berbudaya patuh, penerapan Good Corporate
Governance, Tingkat Kesehatan Bank dan
pembahasan Komitmen Kepada regulator.
decisions that deviate from the provisions of Financial
Services Authority/Bank Indonesia and the legislation in
force and the responsibility to take preventive action is
limited to the authority of the Director of Compliance;
7. Conducting other duties related to compliance function,
such as monitoring and maintaining commitment to the
Financial Services Authority/Bank Indonesia and other
supervisory authorities.
compliance Indicator in 2015
1. Bank Sinarmas was selected as Main Entity of Sinarmas
group through Financial Services Authority (OJK)
Letter No. S-95/PB.33/2015 on October 1, 2015 on the
Stipulation of PT. Bank Sinarmas Tbk. as Main Entity of
Sinarmas group. This initiation was a form of trust and
responsibility that must be displayed through exemplary
implementation of good Corporate governance and Risk
Management.
2. Results of Self Assessment from good Corporate
governance (gCg) for Bank Sinarmas at semester I
and semester II of 2015 were on rank 2 “good”. This
achievement reflects how the Management has properly
implemented good Corproate governance in general.
compliance Activity in 2015
As a commitment to the regulations of PBI No. 13/2/PBI/2011
on January 12, 2011, Bank Sinarmas composed the 2015
Compliance Framework as follows:
I. The Implementation of compliance Function
1. Encouraging the realization of Compliance Culture on
all Bank’s organization levels and business activities.
In order to promote the establishment of compliance
culture in all organizational units, the Company
conducts dissemination to all organizational levels
with materials containing invitation, guidance to
increase awareness, understanding and care on the
implementation of compliance culture in all aspects:
a. Face-to-face dissemination through program such
as:
1. “35 Menit Bersama Compliance”
dissemination, which contains compliance
rules and duties, invitation and guidance
toward compliance culture, good Corporate
governance implementation, Bank’s Health and
discussion on Commitment to Regulators.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 459
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
2. Sosialisasi Ketentuan Baru, yaitu
penyelenggaraan sosialisasi atas ketentuan-
ketentuan baru yang diterbitkan oleh otoritas
3. Sosialisasi Anti Pencucian Uang dan
Pencegahan Pendanaan Terorisme (APU & PPT),
sosialisasi ini berisikan ketentuan mengenai
APU & PPT. Penyelenggaraannya dilakukan
secara berulang-ulang setiap tahun ke seluruh
jenjang lini organisasi.
b. Sosialisasi melalui program “Coffee Time” sejenis
buletin elektronik yang disampaikan kepada
seluruh jenjang organisasi melalui e-mail blast
setiap hari Jumat. Materi Coffee Time berisikan
kegiatan-kegiatan SKK, Quiz Perbankan yaitu
suatu kuis yang berisikan pertanyan-pertanyan
yang berhubungan dengan kegiatan-kegiatan atau
transaksi-transaksi yang terkait dengan ketentuan
internal maupun eksternal, Teka Teki Silang, Acak
Kata dan Tau Perbankan yang disajikan secara
bergantian
c. Sosialisasi melalui media buku komik yang berisikan
mengenai kejadian kehidupan sehari-hari yang
terkait dengan transaksi perbankan, disajikan
dalam bentuk komik yang mudah dipahami dan
dicerna oleh pembacanya.
Peluncuran Buku Seri Komik Perbankan “8 Catatan
Bankir @ Work”
2. Dissemination of New Regulation, namely
the spreading of new regulations issued by
authorities
3. Disssemination on Anti-Money Laundering and
Prevention of Terrorism Funding (APU & PPT),
this dissemination contains regulations on APU
& PPT. Its implementation is conducted annually
over time in all organizational lines.
b. Dissemination through “Coffee Time” program,
an electronic bulletin circulated in all organizational
levels through e-mail blast every Friday. Coffee
Time contains topics on SKK activities, Quiz
Perbankan - a quiz with questions related with
activities or transactions in both internal and
external regulations, Teka Teki Silang, Acak Kata
and Tau Perbankan; all of which are presented in
turns.
c. Dissemination through short films, namely films
about activities that must be conducted or that are
prohibited in transaction. The films are screened in
all offices as discussion topics.
Book Launching of Comic Banking“8 Catatan
Bankir @ Work”
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.460
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
2. Mengelola Risiko Kepatuhan
SKK melakukan pemantauan terhadap tingkat
kepatuhan atas ketentuan yang berlaku terkait prinsip
prudential banking (antara lain CAR, ROA, ROE, PDN,
BMPK, NPL, LDR).
3. Memastikan seluruh kebijakan, ketentuan, sistem dan
prosedur serta kegiatan usaha yang dilakukan Bank
telah sesuai dengan ketentuan regulator dan peraturan
perundangan yang berlaku, yaitu dengan melakukan:
a. Review kepatuhan, melakukan review terhadap
rancangan kebijakan dan prosedur baru yang
diajukan oleh unit kerja pembuat kebijakan, dan
juga memberikan opini atas pemberian kredit
diatas jumlah tertentu;
b. Melakukan analisis dampak peraturan eksternal
yang baru diterbitkan oleh Regulator;
c. Melakukan review terhadap rencana penerbitan
produk atau aktivitas baru;
d. Melakukan review terhadap kecukupan kebijakan
internal seiring dengan peningkatan usaha bank.
4. Memantau dan menjaga Kepatuhan Bank terhadap
komitmen pada regulator. Pemantauan terhadap
komitmen pada regulator dan otoritas pengawas
lainnya dilakukan dengan memonitor dan
menyampaikan komitmen ke regulator sesuai dengan
target date pemenuhannya.
II. Pengendalian Intern
Pelaksanaan pengelolaan pengendalian internal yang
dilakukan SKK yaitu melalui review compliance dan
compliance check list terhadap aktivitas operasional di
tingkat Divisi/Kantor Wilayah/Kantor Cabang. Tujuan dari
pelaksanaan compliance check list adalah untuk menilai
kepatuhan aktivitas bisnis dan operasional terhadap
ketentuan internal dan eksternal.
Dalam pelaksanaannya, pengelolaan pengendalian internal
meliputi aktivitas :
1. Review Rutin
review rutin merupakan review yang bersifat
pencegahan/ preventif (ex-ante) yang dilakukan
oleh SKK atas aktivitas bisnis/operasional Bank yang
kritikal secara periodik, untuk menilai kepatuhan
unit operasional dalam pelaksanaan fungsi-fungsi
utamanya sesuai dengan ketentuan yang berlaku
sehingga dapat dilakukan mitigasi risiko secara dini.
2. Managing Compliance Risk
SKK unit monitors compliance rate on prevailing
regulations, in relation with prudential banking principles
(such as CAR, ROA, ROE, PDN, BMPK, NPL, LDR).
3. Ensuring that all policies, regulations, system and
procedures and business activities conducted by the
Company has been in line with regulator’s rules and
regulations in force through:
a. Review on compliance, namely conducting review
on drafts of new policy and procedures submitted by
policy-making work unit and provide opinion on credit
granting that exceeds a certain amount;
b. Analyze the impact of external regulations issued by
the Regulator;
c. Review the plan on the release of new products or
activities
d. Review the adequacy of internal policy in line with the
Company’s business improvement.
4. Monitoring and preserving the Company’s Compliance
to the regulator. The monitoring on commitment to the
regulator and other supervising authorities is conducted by
monitoring and submitting commitment to the regulator
in accordance with the scheduled target completion date.
II. Internal control
The implementation of internal control management
conducted by SKK is realized through compliance review
and compliance check list of operational activities in
Division/Regional Office/Branch Office levels. The purpose
of compliance check-list is to assess the compliance of
business and operational activities with internal and
external regulations.
In its implementation, internal control management
consists of the following activities:
1. Routine Review
Routine review is a preventive (ex-ante) review conducted
by SKK unit on the Company’s critical business/operational
unit activities in a periodical manner. The review is aimed
to assess operational unit’s compliance in conducting its
main functions with the prevailing regulations in order to
conduct early risk mitigation.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 461
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
2. Review Insidentil
merupakan review yang dilakukan sehubungan
dengan adanya informasi ketidakpatuhan, kasus dan/
atau isu-isu strategis lainnya. Review Insidentil terdiri
dari:
a. Review mendadak
merupakan review yang dilakukan dengan fokus
terhadap aktivitas/transaksi tertentu berdasarkan
professional judgement Divisi Compliance karena
adanya indikasi permasalahan yang dijumpai pada
saar review ex-ante.
b. Review khusus
merupakan review yang dilakukan sehubungan
dengan adanya pelanggaran terhadap ketentuan,
kebijakan, dan prosedur yang berpotensi
menimbulkan kerugian Bank baik secara langsung
maupun tidak langsung dengan tujuan untuk
mengetahui kronologis terjadinya pelanggaran,
sebab-sebab terjadinya, dampak kerugian Bank.
c. Review issue
Review yang dilaksanakan karena adanya
permasalahan/issue strategis yang terjadi di
beberapa unit kerja dan mempunyai dampak yang
cukup signifikan bagi Bank secara keseluruhan
III. Implementasi Program Anti Pencucian Uang &
Pencegahan Pendanaan Terorisme melalui Penerapan
Know your customer (Kyc)
Dalam menjalankan kegiatan usaha, Perseroan
menghadapi berbagai risiko usaha dan untuk mengurangi
risiko usaha tersebut Perseroan menerapkan prinsip kehati-
hatian. Salah satu prinsipnya adalah melalui penerapan
program Anti Pencucian Uang (APU) dan Pencegahan
Pendanaan Terorisme (PPT) yang merupakan bagian dari
penerapan manajemen risiko bank secara keseluruhan.
Hal ini diterapkan karena pada awal Juli 2009 lalu, Bank
Indonesia telah menerbitkan Peraturan Bank Indonesia
No.11/28/PBI/2009 tentang Penerapan Program APU dan
PPT bagi Bank Umum. Ketentuan tersebut merupakan
penyempurnaan dari PBI No.3/10/PBI/2001, tentang
Penerapan Prinsip Mengenal Nasabah (Know Your
Principles), dimana sesuai dengan ketentuan baru yakni
PBI No. 14/27/PBI/2012 tentang Penerapan Program APU
dan PPT bagi Bank Umum istilah KyC diubah menjadi
CDD (Customer Due Diligence). Penyempurnaan itu
dilakukan dalam rangka penyesuaian terhadap standar
internasional yang lebih komprehensif dalam upaya
mendukung pencegahan tindak pidana pencucian uang
dan pencegahan pendanaan terorisme.
2. Incidental Review
Incidental Review is a review which was carried out in
connection with the existing information of disobedience,
cases and/or other strategic issues. Incidental Review
consists of:
a. Sudden Review
A review which was carried out with focus on
certain activity/transaction based on professional
judgment from Compliance Unit due to indication of
encountered problems by the time of ex-ante review
b. Special Review
A review which was carried out in connection with
the existence of violation on provisions, policies and
procedures which potentially may cause loss for the
Bank either directly or indirectly with the purpose to
find out the chronology of such violation, the causes,
impact on Bank and personnel loss that is suspected to
be related to the violation on provision.
c. Issue Review
A review which was carried out due to the existence of
problems/strategic issues that occurred within several
working units and may have a significant impact for
the Company as a whole.
III. Implementation of Anti-Money Laundering (AML)
& Prevention of Terrorism Financing through Know
your customer (Kyc)
In implementing business activities, the Company
faces various business risks, and to overcome it, the
Company implements prudential principles. One of the
principles is through the implementation of Anti Money
Laundering (APU) and Prevention of Terrorism Financing
(PPT) that are parts of the overall bank risk management
implementation.
This is implemented as at the start of last July 2009, Bank
Indonesia has issued Bank Indonesia Regulation No.11/28/
PBI/2009 concerning the Implementation of APU and
PPT Program for Commercial Banks. The regulation is
the improvement of PBI No.3/10/PBI/2001 concerning
the Implementationof Know your Customer Principles,
in which according to the new regulation, namely PBI
No.14/27/PBI/2012 concerning the Implementation of APU
Program and PPT for Commercial Bank, KyC term changed
to CDD (Customer Due Diligence). The improvement
was conducted to adjust it to a more comprehensive
international standard to support the prevention of money
laundering and prevention of terrorism financing.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.462
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Dalam pelaksanaannya, ada beberapa hal yang dilakukan
oleh Perseroan, yang merupakan pilar dalam pelaksanaan
APU/PPT tersebut, antara lain:
• PengawasanaktifDireksidanDewanKomisaris
• Kebijakan dan prosedur
• Pengendalian internal
• Sistem Informasi Manajemen
• Sumber Daya Manusia dan pelatihan
Efektivitas penerapan prinsip APU dan PPT Perseroan
dipantau oleh Unit Kerja Pengenalan Nasabah (UKPN)
di dalam Satuan Kerja Kepatuhan. Dalam menjalankan
tugasnya UKPN melapor dan bertanggung langsung
Kepada Direktur Kepatuhan sesuai dengan Peraturan Bank
Indonesia.
Kesimpulan Umum Hasil Self Assessment Pelaksanaan
gCg
Peringkat / Rank
Definisi Peringkat / Rank Definition
Individual 2
Mencerminkan Manajemen Bank telah melakukan penerapan Good Corporate Governance yang secara umum baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip-prinsip Good Corporate Governance. Apabila terdapat kelemahan dalam penerapan prinsip Good Corporate Governance, maka secara umum kelemahan tersebut kurang signifikan dan dapat diselesaikan dengan tindakan normal oleh manajemen Bank / Reflects that the Company’s Management has performed satisfying implementation of good Corporate governance. Should there be susceptibilities during the implementation, such issues are considered less significant and have been managed by conducting normal responses by the Company’s management.
In its practice, there are several things that the Company
performs which relate to the implementation of APU/PPT,
among others:
• ActivesupervisionoftheBoardofDirectorsandBoardof
Commissioners
• Policyandprocedure
• Internalcontrol
• ManagementInformationSystem
• HumanResourcesandtraining
The effectiveness of the Company’s APU and PPT is monitored
by Work Unit of Customer Identification (UKPN) in a
Compliance Working unit. In performing its duties, UKPN
reports and directly reports to the Compliance Director
according to Bank Indonesia’s Regulation.
general Summary of Self-Assessment Results of gCg
Implementation
Annual Report 2015 | PT. BANK SINARMAS Tbk. 463
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
SEKRETARIS PERUSAHAANSekretaris Perusahaan diangkat dan bertanggung jawab
pada Direktur Utama. Sekretaris Perusahaan memiliki 4
(empat) fungsi utama dalam rangka membantu tugas Direksi,
yaitu sebagai Liason Officer (Corporate Communication),
Compliance Officer, Investor Relation, serta Administrasi
Dokumen dan Notulensi Rapat untuk memenuhi ketentuan
tata kelola perusahaan yang baik.
Profil Sekretaris Perusahaan
Dodo Suyanto
SEKRETARIS PERUSAHAAN
Corporate Secretary
Warga Negara Indonesia, 46 tahun. Bergabung dengan
Bank Sinarmas sejak 14 Januari 2013. Menjabat sebagai
Sekretaris Perusahaan Bank Sinarmas sejak 1 Desember 2014
berdasarkan Surat Keputusan Direksi No. 025/2014/PRESDIR
tanggal 1 Desember 2014. Saat ini, beliau juga merangkap
sebagai Legal Division Head Bank Sinarmas.
Meraih gelar Sarjana Hukum di Universitas Airlangga pada
1994 dan menyelesaikan pendidikan Spesialis Kenotariatan
di Universitas Airlangga pada 2000. Mengawali karir sebagai
Legal Officer di PT Bank Permata Tbk tahun 1996 hingga
2003, PT Bank DBS Indonesia pada 2005 hingga 2007,
menjabat sebagai Compliance Manager di PT Bank Rabobank
International Indonesia pada 2009 hingga 2011, dan menjabat
sebagai Compliance Manager pada 2012 hingga 2013 di PT
AXA Mandiri Financial Services.
Selain pendidikan formal, beliau juga mengikuti sejumlah
pelatihan diantaranya The 7 Habits of Highly Effective People
Book Sharing pada 1999, Power Leadership Program pada
2007, serta mendapatkan sertifikat BSMR Level 2 pada 2010.
Dasar Hukum Penunjukan Sekretaris Perusahaan
Berdasarkan ketentuan Bapepam Nomor KEP-63/PM/1996
dan keputusan Direksi BEJ Nomor 339 Tahun 2001 mengenai
cORPORATE SEcRETARyCorporate Secretary is appointed by and responsible to the
President Director. Corporate Secretary has 4 (four) main
functions in assisting the duties of the Board of Directors,
namely as a Liaison Officer (Corporate Communication),
Compliance Officer, Investor Relation, as well as Document
Administration and Minutes of Meeting to meet the provision
of good corporate governance.
corporate Secretary Profile
Indonesian citizen, 46 years old. He joined Bank Sinarmas
since January 14, 2013 and served as Corporate Secretary
since December 1, 2014 pursuant to Decree of Board of
Directors No. 025/2014/PRESDIR dated December 1, 2014. He
also concurrently served as Bank Sinarmas Legal Division Head.
He obtained Bachelor of Law degree in 1994 and Specialist of
Notary in 2000 from Airlangga University in 2000. He started
his career as Legal Officer at PT Bank Permata Tbk from
1996 until 2003, Bank DBS Indonesia from 2005 until 2007,
Compliance Manager at PT Bank Rabobank International
Indonesia from 2009 until 2011, and Compliance Manager at
PT AXA Mandiri Financial Services from 2012 until 2013.
In addition to formal education, he participated in trainings
such as The 7 Habits of Highly Effective People Book Sharing
in 1999, Power Leadership Program in 2007 and acquired
BSMR Level 2 certificate in 2010.
Legal Basis of Appointment
Pursuant to Bapepam requirements No. KEP-63/PM/1996 and
JSE Directors Decision No. 339 of 2001 on the appointment of
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.464
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
pembentukan Sekretaris Perusahaan, maka berdasarkan
Keputusan Direksi No. 025/2014/PRESDIR tanggal 1 Desember
2014, Perseroan menunjuk Dodo Suyanto sebagai Sekretaris
Perusahaan, yang kemudian telah dilaporkan ke Otoritas Jasa
Keuangan No. SKL.290/2014/PRESDIR-CorSec&CorComm
tanggal 1 Desember 2014.
Fungsi utama dari Sekretaris Perusahaan adalah untuk
membangun citra Perseroan dan sebagai penghubung
dengan membangun komunikasi dan hubungan yang baik
dengan para stakeholder. Sekretaris perusahaan memiliki
akses terhadap informasi material dan relevan yang berkaitan
dengan Perseroan dan perundang-undangan terkait.
Tugas dan Tanggung jawab
Berdasarkan Piagam Sekretaris Perusahaan PT. Bank Sinarmas
Tbk., tugas dan tanggung jawab Sekretaris Perusahaan
sebagai berikut:
1. Mengikuti perkembangan Pasar modal, Perbankan, dan
Perusahaan Terbuka serta peraturan-peraturan yang
berlaku pada masing-masing bidang tersebut.
2. Memberikan pelayanan kepada masyarakat atas setiap
informasi yang dibutuhkan pemodal yang berkaitan
dengan kondisi Bank.
3. Memberikan masukan kepada Direksi untuk mematuhi
peraturan-peraturan yang berlaku dibidang Pasar Modal,
Perbankan, dan Perusahaan Terbuka.
4. Sebagai penghubung antara Bank dengan Bank Indonesia,
Profesi Penunjang Pasar Modal & Otoritas Pasar Modal,
masyarakat dan pihak-pihak terkait lainnya.
5. Menyiapkan daftar khusus yang berkaitan dengan Direksi,
Dewan Komisaris, Pemegang Saham, dan anggota
keluarganya dalam Bank mencakup kepemilikan saham,
hubungan bisnis, dan peranan lainnya yang dapat
menimbulkan benturan kepentingan.
6. Membuat daftar pemegang saham termasuk kepentingan
5% (lima persen saham) atau lebih.
7. Menghadiri rapat direksi dan rapat Direksi dan Dewan
Komisaris serta membuat berita acara rapatnya.
8. Bertanggung jawab dalam penyelenggaraan Rapat Umum
Pemegang Saham (RUPS) dan Rapat Umum Pemegang
Saham Luar Biasa (RUPSLB).
9. Membuat Laporan Tahunan pada setiap akhir tahun dan
disampaikan kepada pihak-pihak terkait lainnya paling
lambat akhir Mei tahun berikutnya.
10. Membuat laporan-laporan lainnya yang ditujukan ke
Bank Indonesia, Bursa Efek, Bapepam, Perbanas, UP3 dan
lainnya, seperti Laporan Perubahan Pengurus, Laporan
Pemindahan Kantor, Laporan Realisasi Pembukaan Kantor.
Corporate Secretary, based on Board of Directors Decision No.
025/2014/PRESDIR dated December 1, 2014, the Company
appointed Dodo Suyanto as Corporate Secretary. The report
had been submitted to Financial Services Authorities No.
SKL.290/2014/PRESDIR-CorSec&CorComm dated December
1, 2014.
The main function of corporate secretary is to build the
image of the Company and as a liaison to establish good
communication and relationships with Stakeholders.
Corporate secretary has access to the material and relevant
information relating to the Company and the relevant
regulations.
Duties and Responsibilities
Pursuant to Corporate Secretary Charter of PT. Bank Sinarmas
Tbk., Corporate Secretary has the following duties and
responsibilities:
1. Monitoring the development in Capital Markets, Banking
and Listed Company as well as regulations existing to the
respective areas.
2. Providing the public with any information needed by
investors associated with the Bank.
3. Providing input to the Board of Directors to comply with
the prevailing regulations in the field of Capital Markets,
Banking and Listed Company.
4. As a liaison between the Bank and Bank of Indonesia,
Supporting Profession, Capital Market & Capital Market
Authority, the public and other related parties;
5. Preparing a list of particular relevance to the Board
of Directors, Board of Commissioners, shareholders,
and members of his family in the Bank include stock
ownership, business relationships, and other roles that can
give rise to a conflict of interest.
6. Making a list of shareholders, including the interests of
5% (five percent of the shares) or more.
7. Attending board meetings and meetings of the Board of
Directors and the Board of Commissioners and prepare
minutes of the meeting.
8. Responsible for the implementation of the general
Meeting of Shareholders (AgM) and Extraordinary general
Meeting of the Extraordinary Shareholders (EgM).
9. Making the Annual Report at the end of each year and
submitted to other related parties no later than the end of
May next year.
10. Making other reports addressed to Bank Indonesia, the
Stock Exchange, Bapepam, Banks Association, UP3 and
others, such as the Statement of Changes in Board, Report
of Transfer of Office, Office Opening Realization Report.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 465
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
11. Membantu Direksi menyusun korespondensi (surat,
memorandum, dan lainnya), baik untuk pihak internal
(Dewan Komisaris, Kantor Cabang, Unit-unit Kerja di
Kantor Pusat).
12. Menyusun Surat Keputusan, Surat Edaran, dan Surat-surat
yang diterbitkan oleh Perusahaan.
Berdasarkan Peraturan Otoritas Jasa Keuangan Nomor 35/
POJ.04/2014 tentang Sekretaris Perusahaan Emiten atau
Perusahaan Publik, fungsi Sekretaris Perusahaan sebagai
berikut:
1. mengikuti perkembangan Pasar Modal khususnya
peraturan perundang-undangan yang berlaku di bidang
Pasar Modal;
2. memberikan masukan kepada Direksi dan Dewan
Komisaris Emiten atau Perusahaan Publik untuk mematuhi
ketentuan peraturan perundang-undangan di bidang Pasar
Modal;
3. membantu Direksi dan Dewan Komisaris dalam
pelaksanaan tata kelola perusahaan yang meliputi:
a. keterbukaan informasi kepada masyarakat, termasuk
ketersediaan informasi pada Situs Web Emiten atau
Perusahaan Publik;
b. penyampaian laporan kepada Otoritas Jasa Keuangan
tepat waktu;
c. penyelenggaraan dan dokumentasi Rapat Umum
Pemegang Saham;
d. penyelenggaraan dan dokumentasi rapat Direksi dan/
atau Dewan Komisaris; dan
e. pelaksanaan program orientasi terhadap perusahaan
bagi Direksi dan/atau Dewan Komisaris.
4. sebagai penghubung antara Emiten atau Perusahaan
Publik dengan pemegang saham Emiten atau Perusahaan
Publik, Otoritas Jasa Keuangan, dan pemangku
kepentingan lainnya.
Sekretaris Perusahaan memiliki misi untuk memenuhi dan
mematuhi segala peraturan-peraturan yang ditetapkan bagi
Perusahaan Terbuka kepada Otoritas Jasa Keuangan, Bursa
Efek Indonesia, KSEI, Bank Indonesia, serta lembaga regulatif
yang lain dan menjadi gerbang media terkait informasi yang
akan dipublikasikan terkait aksi korporasi, kinerja perusahaan,
ataupun meredam berita negatif mengenai Perseroan.
11. Assisting the Board of Directors prepare correspondence
(letters, memoranda, and other), both for internal (BOC,
Branch Office, Units Work in the Central Office).
12. Developing Decree, Circular, and letters issued by the
Company.
Pursuant to the Financial Services Authority Regulation
No. 35/POJ.04/2014 on Corporate Secretary for Issuers or
Public Companies, the following are functions of Corporate
Secretary:
1. monitoring the development of capital markets, especially
the legislation in force in the capital market;
2. providing input to the Board of Directors and Board of
Commissioners of Public Listed Company to comply with
laws and regulations in the capital market;
3. assisting the Board of Directors and the Board in the
implementation of corporate governance include:
a. disclosure to the public, including the availability of
information on the website Public Company;
b. submission of reports to the Financial Services
Authority on time;
c. implementation and documentation of the general
Meeting of Shareholders;
d. implementation and documentation of the
Board of Directors meeting and / or the Board of
Commissioners; and
e. orientation program execution against the company
for the Board of Directors and / or Board of
Commissioners.
4. as a liaison between the Public Company by the
shareholder or public company, the Financial Services
Authority, and other Stakeholders.
Corporate Secretary’s missions are: Complying with all
regulations determined for Public Companies to the Financial
Services Authority, Indonesia Stock Exchange, KSEI, Bank
Indonesia, and other Regulators, and become an information
gate to publish corporate action, company performance or
reduce negative news on the Company.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.466
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Korespondensi
Selama 2015, korespondensi baik rutin maupun non-rutin
yang disampaikan Perseroan kepada Regulator adalah sebagai
berikut:
Tabel informasi kuantitas korespondensi Sekretaris Perusahaan
2015
Perihal / AboutKeterangan /
DescriptionJumlah / Total
Laporan Bulanan Registrasi Pemegang Efek / Monthly Report on Securities Holder Registration
Rutin / Routine 12
Laporan Data Hutang Valuta Asing / Report on Foreign Currency Debt Rutin / Routine 12
Laporan Hasil Penggunaan Dana Hasil Penawaran Umum / Report on Use of Public Offering Proceeds
Rutin / Routine 4
Laporan Keuangan Tahunan / Annual Financial Statements Rutin / Routine 1
Laporan Tahunan 2014 / Annual Repot 2014 Rutin / Routine 1
Laporan Keuangan Interim dan Long Form / Interim and Long Farm Financial Statements
Rutin / Routine 4
Publikasi Laporan Keuangan / Financial Statements Punlication Rutin / Routine 4
Laporan Transaksi Afiliasi / Report on Affiliation Transaction Non Rutin / Non-
Routine-
Perubahan Corporate Secretary / Change of Corporate SecretaryNon Rutin / Non-
Routine-
Laporan Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu / Report on Additional Capital Without Preemptive Rights
Non Rutin / Non-Routine
-
Keterbukaan Informasi Terkait Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu / Information Disclosure on Additional Capital Without Preemptive Rights
Non Rutin / Non-Routine
-
Komunikasi Eksternal
Pemenuhan informasi bagi stakeholder, selalu menjadi
prioritas perseroan. Oleh sebab itu, Perseroan mempermudah
para stakeholder untuk mengakses informasi yang mereka
butuhkan melalui website www.banksinarmas.com, seperti
laporan tahunan, laporan publikasi, laporan gCg, produk dan
lain sebagainya.
Selama 2015, Perusahaan mengeluarkan beberapa siaran pers
dengan rincian sebagai berikut:
Tabel komunikasi eksternal Sekretaris Perusahaan
Judul / Title Tanggal / Date
Rapat Umum Pemegang Saham Biasa (RUPSLB) PT. Bank Sinarmas Tbk. / Extraordinary general Meeting of Shareholders (EgMS) of PT. Bank Sinarmas Tbk.
Maret 2015 / March 2015
Kinerja PT. Bank Sinarmas Tbk. Selama Tahun 2014 / Performance of PT. Bank Sinarmas Tbk. in 2014
Juni 2015 / June 2015
correspondence
In 2015, the Company conducted the following routine and
non-routine correspondences:
Table of information on correspondence quantity in 2015
External communication
Fulfillment of information for Stakeholders is the company’s
priority. Therefore, the Company allows for Stakeholders
to access the information they need through www.
banksinarmas. com website, such as annual reports, published
reports, corporate governance reports, and other products.
During 2015, the Company issued several press release with
details as follows:
Table of information on external communication of Corporate
Secretary
Annual Report 2015 | PT. BANK SINARMAS Tbk. 467
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Judul / Title Tanggal / Date
“Secangkir Kebahagiaan”Bank Sinarmas Berbagi Semangat Ramadhan dan Idul Fitri / Bank Sinarmas Shared the Spirit of Ramadhan and Eid Al Fitr
Juli 2015 / July 2015
Sinarmas MSIg Life Hadirkan Solusi Inovatif SIMPOL Medical, Dukung Perencanaan Masa Depan Keuangan Keluarga Bersama Bank Sinarmas Luncurkan Produk Bancassurance dengan Nilai Pertanggungan hingga 1,9 M dan Portofolio Investasi Beragam / Sinarmas MSIg Life Presented Innovative Solution SIMPOL Medical, and Supported Financial Planning for the Family with Bank Sinarmas by Launching Bancassurance Product with Coverage Value up to 1.9 M and a Wide Variety of Investment Portfolio
September 2015 / September 2015
Bank Sinarmas Siap Fasilitasi TKI / Bank Sinarmas To Facilitate TKI November 2015 / November 2015
Dukung Program JARINg, Bank Sinarmas Fokus Biayai Usaha Perikanan dan Kelautan / Bank Sinarmas Focuses on Marine and Fishing Industry By Supporting JARINg Program
November 2015 / November 2015
Bank Sinarmas Catat Pertumbuhan Kredit dan Fee Based / Bank Sinarmas Recorded growth in Credit and Fee-Based | November 2015
November 2015 / November 2015
Komunikasi Internal
Dalam melakukan Komunikasi Internal kepada seluruh
karyawan, Perseroan menggunakan berbagai media antara
lain:
1. Lensa Berita
Media Perseroan untuk menyebarkan berita-berita terbaru
dan kegiatan yang telah dilakukan oleh Perseroan melalui
e-mail untuk disebarkan kepada seluruh kayawan. Lensa
Berita terbit setiap hari Rabu di setiap minggunya. Pada
2015, Lensa Berita telah menerbitkan 53 edisi.
2. Pesan Manajemen
Pesan langsung yang dikirimkan oleh Manajemen kepada
seluruh karyawan. Pesan ini terkait mengenai budaya
kerja, informasi perkembangan Perseroan, maupun
motivasi. Sepanjang 2015, Manajemen lebih menekankan
kepada sosialisasi visi, misi dan objektif Perseroan kepada
seluruh karyawan.
3. Artikel
Kutipan artikel dari salah satu surat kabar yang
berperedaran nasional, dimana artikel tersebut terbit setiap
minggu. Artikel tersebut bertujuan untuk memberikan
motivasi, menginspirasi, dan memberikan informasi-
informasi yang berhubungan dengan dunia kerja.
Internal communication
In conducting Internal Communication to all employees, the
Company uses a variety of media including:
1. Lensa Berita
The Company’s media to spread the latest news and
activities that have been carried out by the Company
by e-mail to be spread to the employees. Lensa Berita is
published every Wednesday in every week. In 2015, Lenses
News has published 53 editions.
2. Message from Management
Direct messages sent by the Management to all
employees. The messages are related to work culture,
information on the progress of the Company’s
development, as well as motivation. Throughout 2015,
the Management emphasized on dissemination of
the Company’s vision, mission and objectives to the
employees.
3. Articles
Quotes from articles from one of the nationwide
newspapers, in which the articles are published every
Sunday. The articles are written to motivate, inspire and
provide information on jobs.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.468
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Pelatihan Sekretaris Perusahaan
Pada 2015, Sekretaris Perusahaan telah mengikuti berbagai
pelatihan dalam rangka untuk meningkatkan kemampuan dan
kompetensi pada bidangnnya, sebagai berikut:
Tabel Pelatihan Sekretaris Perusahaan
No Tanggal / Dated Training Penyelenggara / Organizer Tempat / Location
117 April 2015 / April 17,
2015
Overview of Indonesian Capital Market - Securitas Sinarmas
Sinarmas Sekuritas Sinarmas Land Plaza, Jakarta
212 Agustus 2015 / August 12, 2015
Training Corporate governance
OJK Menara Merdeka, Jakarta
323 Oktober 2015 / October 23, 2015
governance of RiskIndonesian Institute For Corporate Directorship
Sinarmas Land Plaza, Jakarta
KANTOR AKUNTAN PUBLIKMelalui RUPS pada tanggal 24 Maret 2015 dan 12 Juni 2015,
bertempat di Sinar Mas Land Plaza, Tower II, Lantai 39, Ruang
Paseo, Jalan MH Thamrin Nomor 51,di Jakarta, menyetujui
untuk menunjuk KAP Moore Stephens guna melakukan
Audit Umum Laporan Keuangan Bank Sinarmas 2014 untuk
melakukan Audit Umum atas Laporan Keuangan PT. Bank
Sinarmas Tbk. per 31 Desember 2014.
Kantor Akuntan Publik KAP Moore Stephens merupakan
KAP yang terdaftar sebagai Auditor Bank di Otoritas Jasa
Keuangan. Bank Sinarmas menunjuk KAP tersebut untuk
melaksanakan audit umum laporan keuangan Bank Sinarmas
2015, yang dalam penugasannya memenuhi aspek berikut:
• KapasitasKAPyangditunjuk
• Legalitasperjanjiankerja
• Ruanglingkupaudit
• Standarprofesionalakuntanpublik
• KomunikasiBankIndonesiadenganKAPdimaksud
Periode Kantor Akuntan Publik dan Akuntan Publik
Sesuai Peraturan PBI 3/22/PBI/2001 tentang Transparansi
Kondisi Keuangan Bank, penunjukkan KAP yang sama hanya
bisa dilakukan selama lima tahun berturut-turut kecuali jika
memenuhi kondisi tertentu dan dilaksanakan atas persetujuan
Bank Indonesia. Berikut adalah Kantor Akuntan Publik yang
melakukan audit Laporan Keuangan Bank Sinarmas selama 3
(tiga) tahun terakhir:
corporate Secretary Training
In 2015, Corporate Secretary has attended various trainings to
increase his capacity and competency in the field as follows:
Table of Corporate Secretary Training
PUBLIc AccOUNTINg FIRMPursuant to the AgM on March 24, 2015 and June 12, 2015,
at Sinar Mas Land Plaza, Tower II, Floor 39, Paseo Room,
Jalan MH Thamrin Number 31, in Jakarta, the Bank approved
the appointment of KAP Moore Stephens to perform the
general Audit of Financial Statements Bank Sinarmas 2014 to
conduct the general Audit of Financial Statements of PT. Bank
Sinarmas Tbk. as of December 31, 2014.
Public Accounting Firm (KAP) Moore Stephens is a KAP
registered as Bank Auditor in the Financial Services Authority.
Bank Sinarmas appointed the KAP to perform general audit
for the financial statements of the Bank Sinarmas 2015, that
the assignment meets the following aspects:
• Capacity
• Legalityofworkagreement
• Auditcoverage
• Professionalpublicaccountantstandards
• CommunicationbetweenBankIndonesianwiththe
aforementioned KAP
Terms of Public Accountant Firm and Public Accountant
Pursuant to PBI 3/22 / PBI / 2001 on Transparency of
Financial Condition of the Bank, KAP same designation
can only be done for five consecutive years unless it meets
certain conditions and carried out with the approval of Bank
Indonesia. The following are a public accounting firm to audit
the financial statements of Bank Sinarmas for 3 (three) years:
Annual Report 2015 | PT. BANK SINARMAS Tbk. 469
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Tabel informasi akuntan publik
Tahun / year Kantor Akuntan Publik / Public Accounting FirmNama Akuntan (Perorangan) / Accountant Name
(Individual)
2015 KAP Moore Stephens Mulyamin Sensi Suryanto dan Lianny
2014 KAP Moore Stephens Mulyamin Sensi Suryanto dan Lianny
2013 KAP Moore Stephens Mulyamin Sensi Suryanto dan Lianny
2012 KAP Moore Stephens Mulyamin Sensi Suryanto dan Lianny
2011 KAP Moore Stephens Mulyamin Sensi Suryanto dan Lianny
SISTEM PENgENDALIAN INTERNALSeluruh manajemen dan karyawan memiliki peran dan
tanggung jawab dalam meningkatkan kualitas dan
pelaksanaan sistem pengendalian intern. Pengendalian
internal dilakukan oleh unit bisnis dengan mengacu
pada kebijakan dan prosedur yang telah ditetapkan.
Untuk memastikan bahwa kebijakan dan prosedur telah
dilaksanakan, maka Satuan Kerja Audit Internal melakukan
proses review secara periodik dengan cakupan aspek
pemeriksaan yang telah ditentukan sebelumnya. Tujuan
penerapan sistem pengendalian internal adalah untuk:
• MenjagadanmengamankanhartakekayaanBank;
• Menjamintersedianyalaporanyanglebihakuratdantepat
waktu;
• Meningkatkankepatuhanterhadapketentuanyang
berlaku, baik ketentuan internal maupun eksternal;
• Mengurangidampakkeuangan/kerugian,penyimpangan
termasuk kecurangan fraud, dan pelanggaran aspek
kehati-hatian; dan
• Meningkatkanefektivitasorganisasidanmeningkatkan
efisiensi biaya.
Sistem Pengendalian Keuangan dan Operasional
Dalam rangka pengelolaan Bank secara efektif dan efesien,
serta sebagai dasar kegiatan operasional yang sehat dan
aman, Bank telah menerapkan suatu Sistem Pengendalian
Internal. Keberadaan SKAI bertanggung jawab untuk
membantu menajemen Bank memastikan bahwa penerapkan
internal control cukup memadai dan telah berjalan
sebagaimana mestinya.
Sebagaimana diatur dalam Peraturan Bank Indonesia nomor
5/8/PBI/2003 tanggal 19 Mei 2003 tentang Penerapan
Manajemen Risiko Bagi Bank Umum dan PBI No. 11/25/
PBI/2009 tanggal 1 Juli 2009 (Perubahan atas PBI No.5/8/
PBI/2003) tentang Penerapan Manajemen Risiko bagi Bank
Umum, Bank Indonesia juga menerbitkan ketentuan dalam SE
Table of information on public accountant
INTERNAL cONTROL SySTEMManagement and employees have their own roles and
responsibilities in improving the quality and implementation
of internal control system. Internal control is carried out by
business unit by referring to the determined policies and
procedures. To ensure that the policies and procedures have
been implemented, the Internal Audit Unit conducts periodic
review with predetermined scope of evaluation aspect.
Objectives of internal control system are, namely:
• MaintainingandsecuringBank’swealth;
• Assuringtheavailabilityofamoreaccurateandtimely
report;
• Improvingthecompliancewiththeprevailingprovisions,
both internal and external circumstances;
• Reducingfinancialimpact/loss,violations,includingfraud,
and prudence aspect violation; and
• Improvingorganizationeffectivenessandcostefficiency.
Financial and Operational control System
In order to create effective and efficient Bank management,
as well as serving as the basis of safe and sound operational
activity, the Bank has determined an Internal Control System.
The IAU is responsible for assisting the Bank’s management in
ensuring that the implementation of internal control has been
adequate and as expected.
As regulated in Bank Indonesia Regulation No. 5/8/
PBI/2003 dated May 19, 2003 on the Implementation of
Risk Management for Commercial Bank and PBI No. 11/25/
PBI/2009 dated July 1, 2009 - amendment to PBI No.5/8/
PBI/2003 on the Implementation of Risk Management for
Commercial Bank, Bank Indonesia also issued Circular Letter
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.470
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
No.5/22/DPNP tanggal 29 Desember 2003 perihal Pedoman
Standar Sistem Pengendalian Intern bagi Bank Umum yang
mewajibkan setiap Bank umum menyusun Pedoman Sistem
Pengendalian Intern yang sekurang-kurangnya mencakup 5
(lima) elemen pokok, yaitu:
• PengawasanolehManajemendankulturpengendalian
• Indentifikasidanpenilaianrisiko
• Kegiatanpengendaliandanpemisahanfungsi
• SistemAkuntansi,infromasi,dankomunikasi
• Kegiatanpemantauandantindakankoreksi
penyimpangan/kelemahan.
Bank Sinarmas kemudian menetapkan kelima poin di atas
dalam pedoman yang telah ditetapkan oleh Komisaris dan
Direksi dalam Surat Keputusan No.0020001.095 tanggal
15 Desember 2004 perihal Pedoman Sistem Pengendalian
Internal. Pedoman mencakup sistem pengendalian keuangan
dan operasional yang ada di Bank Sinarmas serta menjadi
acuan bagi seluruh jajaran Bank dalam melakukan aktivitas
operasional sehari-hari.
Kesesuaian Sistem Pengendalian Internal dengan
Kerangka cOSO
Sistem pengendalian keuangan dan operasional Bank
Sinarmas sejalan dengan sistem pengendalian internal
menurut Committee of Sponsoring Organization of the
Tradeway Commission (COSO). Sistem pengendalian
tersebut mencakup berbagai kebijakan, prosedur, kegiatan
pemantauan dan komunikasi, serta standar perilaku dan
berbagai inisiatif yang ditujukan untuk:
• Mengamankanaset(security objectives)
• MengupayakanefisiensidanefektivitasoperasiBank
Sinarmas (operational objectives)
• Mengembangkankeandalandankelengkapaninformasi
akuntansi/finansial dan manajemen (information
objectives); serta
• Menjaminkepatuhanterhadapkebijakandanprosedur
serta peraturan perundangan yang berlaku (compliance
objectives).
Evaluasi atas Efektivitasi Sistem Pengendalian Internal
Bank Sinarmas senantiasa melakukan evaluasi secara berkala
terhadap sistem pengendalian keuangan dan operasional
sebagai salah satu fondasi bagi Perseroan untuk terus
melaksanakan perbaikan dan penyempurnaan sistem
pengendalian yang dapat meningkatkan pertumbuhan Bank.
Evaluasi tersebut salah satunya dilakukan melalui laporan
keuangan Perseroan.
No. 5/22/ DPNP dated December 29, 2003 on Standard
guidelines for the Internal Control System for Commercial
Bank, which obliges every commercial bank to set their own
guidelines on the Internal Control System consisting at least 5
(five) core elements such as:
• SupervisionbyManagementandControlCulture
• RiskIdentificationandAssessment
• ControllingActivitiesandSegregationofDuties
• Accountingsystem,informationandcommunication
• Monitoringactivitiesandcorrectingdeficiencies.
Bank Sinarmas has stipulated the points into the guidelines,
which are set forth by the Commissioners and Directors
on Decree No.0020001.095 dated December 15, 2004 on
guidelines of Internal Controlling System. The guidelines cover
financial and operational control system in Bank Sinarmas,
as well as serving as references to all management and
employees in carrying out daily operational activities.
Internal control System conformity to cOSO Framework
Financial and operational control system of Bank Sinarmas is
in line with internal control system according to Committee
of Sponsoring Organization of the Tradeway Commission
(COSO). This control system covers various policies,
procedures, monitoring and communication activities, as well
as standards of conduct, and initiatives that are aimed to:
• Securetheassets(securityobjectives)
• StriveforefficiencyandeffectivenessofBankSinarmas
operation (operational objectives)
• Developreliabilityandcompletenessofaccounting/
financial information and management (information
objectives); and
• Ensurecompliancewithpoliciesandprocedures,aswellas
the prevailing laws and regulations (compliance objectives).
Evaluation of Effectiveness of Internal control System
Bank Sinarmas periodically evaluates the financial and
operational control system as a basis for the Company to
continuously improve the control system that will boost the
growth of the Bank. The evaluation is carried out to financial
statements of the Company.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 471
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Dalam melakukan evaluasi, perusahaan menggunakan kriteria
yang telah ditetapkan oleh Internal Control - Integrated
Framework yang telah dikeluarkan oleh COSO. Berdasarkan
penilaian ini, Dewan Komisaris dan Direksi menyimpulkan
bahwa hingga tanggal 31 Desember 2015, sistem
pengendalian internal Perseroan atas laporan keuangan telah
berjalan dengan efektif.
PERKARA PENTINg yANg DIHADAPI BANK SINARMASPerkara Penting yang Dihadapi Direksi dan Dewan
Komisaris
Sepanjang tahun 2015, tidak ada perkara penting baik
perkara perdata dan/atau pidana yang dihadapi oleh Dewan
Komisaris dan Direksi Perseroan yang menjabat pada periode
31 Desember 2015.
Permasalahan Hukum
Pada tahun 2015 Perseroan menghadapi permasalahan
hukum berupa gugatan perdata, dimana Perseroan sebagai
pihak tergugat melalui proses hukum.
Permasalahan Hukum / Legal Case
Jumlah / Total
Perdata / Civil Pidana / Criminal
2014 2015 2014 2015
Perkara yang Telah Selesai (Mempunyai Kekuatan Hukum Tetap) / Resolved (Having Permanent Legal force)
1 3 - -
Perkara Dalam Proses Penyelesaian / On Progress
1 - - -
Di bawah ini adalah detail permasalahan hukum yang
dihadapi oleh Bank Sinarmas selama tahun 2015:
No.No. Perkara/
gugatan / Case/Lawsuit
Kantor cabang / Branch Office
Uraian Perkara / Case DescriptionPerkembangan Perkara / Case Development
Sanksi Administratif
1No.xxx/PDTg/2014/
PN.KD KC KUDUS
gugatan didasari atas sengketa tanah waris yang dialami oleh penggugat dengan ahli waris lainnya. Dalam perkara ini Perseroan menjadi turut tergugat / Lawsuit was based on the dispute of heirs’ land property experienced by the plaintiff with the other heirs. In this case, the Company became the defendant
Sudah terdapat Putusan Pengadilan Negeri Kudus yang menyatakan gugatan dari Penggugat dinyatakan DITOLAK pada tahun 2014 / Judgement was made by the District Court of Kudus stating that the lawsuit from the Plaintiff was declared REJECTED in 2014
Tidak ada / None
In evaluating, the Company adopts the criteria that have been
defined by Internal Control - Integrated Framework issued by
COSO. Based on this evaluation, the Board of Commissioners
and Board of Directors concluded that until December 31,
2015, internal control system of the Company on financial
statements has been implemented effectively.
LEgAL cASES FAcED By BANK SINARMAS
Legal cases faced by the Board of Directors and Board of
commissioners
Throughout 2015, there were no legal cases, both civil and/or
criminal, faced by the Board of Commissioners and Board of
Directors of the Company serving in the period of December
31, 2015.
Legal cases
In 2015, the Company faced legal cases regarding lawsuit
on civil case, in which the Company as the defendant went
through legal proceedings.
Below is the detail of legal problems faced by Bank Sinarmas
throughout 2015:
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.472
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
No.No. Perkara/
gugatan / Case/Lawsuit
Kantor cabang / Branch Office
Uraian Perkara / Case DescriptionPerkembangan Perkara / Case Development
Sanksi Administratif
2No.xxx/Pdt.g/2015/
PN.Slt KC SALATIgA
gugatan didasari atas pelaksanaan hak Perseroan selaku Kreditur atas jaminan karena penggugat tidak dapat menyelesaikan kewajibannya / Lawsuit was based on the implementation of rights of the Company as a Creditor on the guarantee because the plaintiff fails to fulfill its liability.
SELESAI / DONEPermasalahan ini sudah diputus oleh Pengadilan Negeri Salatiga melalui Akta Perdamaian pada tahun 2015. / This case was resolved by District Court of Salatiga through Deed of Settlement in 2015.
Tidak ada / None
3No.xxx/PDTg/2014/
PN.KDI KC KENDARI
gugatan didasari atas keberatan Penggugat selaku Pihak Ketiga yang berkepentingan atas suatu barang yang merupakan jaminan Perseroan / Lawsuit was based on the Plaintiff’s objection as the Third Party that has the interest on a property that was guaranteed by the Company
SELESAI / DONESudah terdapat Putusan Pengadilan Negeri Kendari yang menyatakan gugatan dari Penggugat dinyatakan DITOLAK pada tahun 2015. / Judgement was made by the District Court of Kudus stating that the lawsuit from the Plaintiff was declared REJECTED in 2014.
Tidak ada / None
Dampak Permasalahan Hukum Bagi Perseroan
Dampak permasalahan hukum yang dihadapi oleh Perseroan
tidak berdampak signifikan terdahap kegiatan usaha karena
Perseroan telah berupaya melalukan proses mitigasi risiko
hukum yang dilakukan oleh Unit Legal.
UNIT LEgALSehubungan dengan perkembangan bisnis Perseroan yang
semakin hari memiliki kompleksitas transaksi bisnis yang
berbeda-beda dan dalam rangka mewujudkan budaya taat
hukum pada seluruh pejabat Perseroan, unit legal telah
melakukan beberapa upaya pencegahan (tindakan preventif)
terhadap berbagai permasalahan hukum serta potensi risiko
hukum dalam kegiatan usaha Perseroan, antara lain:
1. Melakukan tindakan preventif
a. Legal Review
Identifikasi risiko hukum dalam rangka tindakan dan
keputusan yang diambil oleh Perseroan, baik dalam
rangka pemberian fasilitas kredit, maupun kerjasama
dengan pihak lain.
Impact of Legal cases on the company
Legal cases faced by the Company did not significantly impact
on business activities as the Company did not do legal risk
mitigation process conducted by Legal Unit.
LEgAL UNITIn connection with the Company’s business development that
gets more complex in various business transactions and in the
effort to realize a comply-with-law culture in all officials of the
Company, the legal unit has conducted preventive actions on
various legal cases and legal risk potential in the Company’s
business activities, among others:
1. Doing preventive action
a. Legal Review
Identification of legal risk for any action and decision
taken by the Company, be it for the giving of credit
facility and cooperation with other parties.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 473
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
b. Legal Advice
Diskusi interaktif dengan seluruh unit kerja Perseroan
dalam rangka pemberian opini hukum dan bantuan
hukum secara langsung terhadap permasalahan
hukum yang terjadi di lapangan.
c. Legal Awareness
Action Plan tahunan unit legal dalam rangka
meningkatkan legal awareness di seluruh cabang
Perseroan yang dilakukan bersama-sama dengan
UKPN, Service Quality dan Anti Fraud dengan
memberikan materi pengantar hukum dan
pembahasan legal cases yang dihadapi oleh setiap
cabang. Bekal pengetahuan hukum ini diberikan
kepada pejabat-pejabat operasional (Regional
Operation Manager, Head of Operation, Supervisor,
Branch Internal Control, Teller, Customer Service)
dan diharapkan pejabat-pejabat tersebut memilik
kompetensi dan pemahaman hukum yang cukup
kuat untuk dapat memitigasi ataupun meminimalisir
timbulnya permasalahan hukum.
2. Melakukan review kinerja pihak ketiga
Secara berkala Legal melakukan review atas kinerja pihak
ketiga dalam penyelesaian dokumen kredit dan dokumen
terkait lainnya.
3. Membina hubungan baik
Selalu mengedepankan hukum dan menjalin hubungan
baik dengan instansi dan regulator dalam rangka
penegakkan hukum atas penanganan permasalahan
hukum yang dihadapi oleh Perseroan.
4. Penguatan kompetensi
Personel unit legal Perseroan dipilih berdasarkan latar
belakang pendidikan hukum (minimal S1 Hukum). Upaya
penguatan dan pengingkatan profesi legal terus dilakukan
oleh Perseroan, dengan melakukan workshop atau training
secara berkala.
BUy BAcK SHARES DAN BUy BAcK OBLIgASI BANKSelama 2015, tidak terjadi buy back share dan/atau buy back
obligasi Bank pada Bank Sinarmas.
b. Legal Advice
Interactive discussion with all work units of the Company
to give legal opinion and assistance directly to legal cases
happened in the company.
c. Legal Awareness
Annual action plan of legal unit to increase legal
awareness in all branches of the Company, which is
conducted together with UKPN, Service Quliaty and Anti
Fraud by providing material on legal introduction and legal
cases discussion faced by each branch. This knowledge on
legal is given to operational officers (Regional, Operation
Manager, Head of Operation, Supervisor, Branch Internal
Control, Teller, Customer Service) and is expected that
the officials has the adequate competency and strong
understanding to mitigate or minimize the arising legal
cases.
2. Reviewing the third party’s performance
Periodically, legal unit reviews the performance of the
third party in settling credit documents and other related
documents.
3. Developing good relationship
Always putting forward laws and building good
relationship with institutions and regulators for law
enforcement on the handing of legal cases faced by the
Company.
4. Strengthening of competency
The personnel fo the Company’s legal unit is choosed
based on background of law education (minimum S1 Law).
The effort of strengthening and improvement of legal
profession is continuously conducted by the Company by
carrying out workshops or training periodically.
SHARES BUy BAcK AND BONDS BUy BAcK
There were no shares buy back and/or bonds buy back in the
Bank in 2015.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.474
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
KODE ETIK DAN BUDAyA PERUSAHAAN
ISI KODE ETIK
Kode etik dan pedoman tingkah laku telah disosialisasikan dan
berlaku untuk seluruh bagian dari Bank Sinarmas. Termasuk
Dewan Komisaris, Komite-komite dibawah Dewan Komisaris
dan Direksi, karyawan, para konsultan serta pihak lain yang
bekerja dengan Bank Sinarmas, atau yang mewakili Bank
Sinarmas secara langsung atau secara tidak langsung.
Jika terjadi pelanggaran pedoman tingkah laku terhadap
kebijakan dan prosedur Bank Sinarmas dan/atau ketentuan
perundang-undangan yang berlaku, maka ia dapat dikenakan
tindakan indiscipliner, termasuk pemutusan hubungan kerja
atau penghentian kerja. Pelanggaran terhadap hukum/
undang-undang juga dapat berakibat tuntutan hukum dan
termasuk denda, berkenaan dengan beberapa hal, hukuman
pidana untuk pelaku, atasan dan/atau perusahaan.
Enam Bagian utama Kode Etik dan Pedoman Tingkah Laku profesional Bank Sinarmas
Six Main Points of Code of Conduct and Professional Behaviour Guidelines of Bank Sinarmas
#2 #4
#6Kerahasiaan / Confidentiality
Kepatuhan pada Peraturan / Compliance to Regulation
Tanggung jawab tempat kerja / Responsibility in workplace
#1 #2 #3 #4 #5 #6
#1 Tanggung jawab kepada Bank Sinarmas / Responsibility to Bank Sinarmas
#3Mewakili Bank Sinarmas dan pihak luar lainnya / Representing Bank Sinarmas and other external parties
#5Kegiatan Investasi / Investment
Pengungkapan bahwa Kode Etik Berlaku bagi Seluruh
Level Organisasi
Kode etik berlaku bagi seluruh insan Perseroan, mulai dari
Dewan Komisaris, Direksi, dan seluruh karyawan sebagai
budaya kerja dalam aktivitas operasional sehari-hari. Selain
cODE OF cONDUcT AND cORPORATE cULTUREcODE OF cONDUcT
The code of conduct has been disseminated and applied to all
divisions of Bank Sinarmas, including Board of Commissioners,
Committees under the Board of Commissioners and Board of
Directors, employees, consultants and other parties who work
with Bank Sinarmas, or that represent Bank Sinarmas directly
or indirectly.
Any individual violation against the code of conduct, policies
and procedures of Bank Sinarmas and/or the prevailing laws
and regulations will be charged with disobedience, including
termination of employment. Violations of laws/regulations
may also result in legal action and including fines, with regard
to some things, criminal penalties for perpetrators, supervisors
and/or the company.
Disclosure on the Implementation of code of conduct
For All Organization Levels
Code of conduct is in effect for the Company’s people,
from Board of Commissioners, Board of Directors and the
employees as a work culture in daily operational activities. In
Annual Report 2015 | PT. BANK SINARMAS Tbk. 475
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
itu, pihak eksternal yang berhubungan dengan Perseroan juga
diwajibkan untuk mengikuti berbagai ketentuan yang ada di
dalam kode etik Perseroan. guna mendukung penerapannya,
Perseroan melakukan beberapa hal berikut:
• PemberlakuankewajibanmematuhikodeetikPerseroan
bagi seluruh insan Perseroan.
• Sosialisasidanpemahamanataskodeetik.
• ManajemenPerseroanbertanggungjawabdanmemberi
keteladanan bagi bawahannya untuk menerapkan kode
etik Perseroan.
Penyebarluasan Kode Etik
Sosialisasi terhadap penerapan kode etik senantiasa dilakukan
kepada segenap insan Perseroan, mulai dari top management
sampai dengan level operasional melalui berbagai media yang
dimiliki Perseroan, termasuk pemanfaatan melalui media
teknologi informasi yang dapat diakses oleh semua pegawai
dengan mudah setiap saat. Perseroan menyampaikan melalui
media Memo dan/atau Surat Edaran dari Direksi tentang
pelaksanaan etika bisnis. Media sosialisasi penyebarluasan
kode etik dilakukan melalui situs Perseroan, buku saku,
spanduk, banner, buletin, pernyataan komitmen, iklan di
koran, dan lain sebagainya.
Jenis Sanksi untuk Setiap Pelanggaran Kode Etik
Jenis sanksi untuk setiap pelanggaran kode etik adalah, mulai
dari pemberian Surat Peringatan sampai dengan Pemutusan
Hubungan Kerja (PHK).
addition, all external parties with connection to the Company
are obliged to comply with the prevailing regulations in
the Company’s code of conduct. In order to support the
implementation, the Company conducts the following actions:
• Theenforcementofobligationtocomplywiththecodeof
conduct for the Company’s people
• Disseminationandunderstandingofcodeofconduct
• TheCompany’smanagementtakesresponsibilityand
becomes an example for the staff to implement the
Company’s code of conduct.
code of conduct Dissemination
Dissemination of code of conduct is constantly implemented
for the Company’s people, from top management to
operational level through several media owned by the
Company, including the utilization of information technology
media that can be easily accessed by all employees at any
time. The Company publishes the implementation of business
ethics through Memo and/or Circular Letter from Board of
Directors. The media used to disseminate code of conduct are
the Company’s website, notebooks, flyers, banners, bulletins,
commitment statement, advertisement on newspapers and
others.
Types of Sanction for Each code of conduct Violation
The types of sanction for each code of conduct violation
starts from the giving of Warning Letter as of Employment
Termination (PHK).
Sebagai lembaga intermediasi
dan lembaga kepercayaan, dalam
melaksanakan kegiatan usaha
Bank Sinarmas menganut prinsip
keterbukaan, akuntabilitas, tanggung
jawab independen, serta kesetaraan
dan kewajaran.
As an intermediary and trusted institution,
Bank Sinarmas adopts principles of
transparency, accountability, responsibility,
independency, and fairness in implementing
its business activities.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.476
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Jumlah Pelanggaran Kode Etik
Sepanjang tahun 2015, tidak terdapat pelanggaran kode etik
yang dikenakan kepada karyawan.
BUDAyA BANK SINARMAS
1 Integrity
Bertindak sesuai ucapan/janji sehingga dapat menumbuhkan kepercayaan pihak lain / Acts according to promises in order to earn trust from others
Kejujuran / Honesty
• Memberikanpendapatyangsesuaidengankebenaran / giving opinions based on truth
• Berbicaraberdasarkanfaktadandata/Speak upon facts and data
• Memastikantidakadanya‘conflict of interest’ yang dapat menimbulkan bias dalam pengambilan keputusan yang dapat merugikan perusahaan / Ensure no conflict of interest that could arise bias in decision-making process, in its ability to bring loss for the company
Walk The Talk
• Menepatijanji/Fulfilling promises• Menjalankan,menindaklanjutiserta
bertanggungjawab atas keputusan yang telah disepakati dan ditetapkan / Conduct, follow-up, and be responsible of agreed and determined decisions
Conscience
• MenjagadanmelindungikepentinganPerusahaansebaik-baiknya / To preserve and protect the interest of the Company at any cost
• Memastikanperusahaantidakdirugikandalamhalwaktu, materi, sumber daya dan tindakan apapun yang dilakukan / Ensure that company is not losing time, materials, and resources on any conducted actions
2Positive attitude
Menampilkan perilaku yang mendukung terciptanya lingkungan kerja yang saling menghargai dan kondusif / Demonstrate supporting behaviors to create a full respect and conducive work environment
Positive thinking
Menelaah isu atau permasalahan dari sudut pandang positif dan berupaya mendiskusikannya dengan positif untuk mendapatkan solusi yang terbaik bagi perusahaan dan semua pihak / Analyze issues and problems from a positive point of view and discuss them in positive way to have the best solution for the Company and all parties involved
Respect others
• Mendengarkandanmenghormatipendapatrekan kerja dalam setiap kesempatan / Listening and respecting opinions from colleagues in every opportunity
• Memberikanpujian/penghargaankepadayangberhasil melaksanakan tugas dan tanggung jawab atau yang menunjukkan penerapan nilai-nilai perusahaan secara konsisten / Expressing a praise/appreciation to those who succeed in completing their assignments and responsibilities or demonstrate company values consistently
Team work
• Memberikankontribusiberartidalammelaksanakan tugas / Contributing in conducting the duties
• Mencarisolusiterbaikdemikepentinganperusahaan / Seeking the best solutions for company’s interest
Total code of conduct Violation
In 2015, there was no sanction imposed to the employees
because of violation to code of conduct.
BANK SINARMAS cULTURE
Annual Report 2015 | PT. BANK SINARMAS Tbk. 477
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Positive working environment
• Melaksanakanprosesdialogdalamberkomunikasi/Conducting conversation process in communication
• Mendorongrekankerjauntuksenatiasabertindak positif dalam mencetuskan pendapat atau mengupayakan solusi tanpa berusaha mendiskreditkan rekan kerja/bagian lain / Encouraging colleagues to continuously think positively in sharing opinions or to make an effort to have a solution without discrediting other colleagues/other divisions
3 Commitment
Melaksanakan pekerjaan dengan sepenuh hati untuk mencapai hasil terbaik / Conducting their duties with sincerity to achieve the best result
Passion
• Menunjukkankedisiplinandalamhalwaktudanupaya yang dilakukan / Demonstrating time disciplinary and efforts conducted
• Memperlihatkanantusiasmedalammelaksanakanpekerjaan / Showing enthusiasm at working
Strive to be the best
Senantiasa merasa tidak puas diri atas pencapaian sekarang dan terus bertekad mewujudkan hasil terbaik dalam setiap kesempatan, di mana ‘sky is the limit’ / Continuously challenging Inner self not to be satisfied with current result, and determining to achieve the best result in every opportunity, where sky is the limit
Follow up until done
• Menyelesaikanpekerjaanyangtelahdimulaidengan sepenuh hati / Finishing duties with full of heart
• Menunjukkanusahaoptimaluntukmencapaihasilterbaik dalam rentang waktu yang telah ditetapkan / Demonstrating optimum efforts to achieve best result within targeted timeline
4Continuous improvement
Meningkatkan kemampuan/kapasitas diri, unit kerja dan organisasi secara terus menerus tanpa batas untuk mencapai hasil terbaik / Improving continuous capabilities/ self-capacity, working unit and organization without limit to achieve the best result
Data accuracy
• Memperoleh,memprosesdanmemberikandataserta informasi secara akurat / gaining, processing, and delivering data as well as accurate information
• Memastikanbahwadatayangdiberikandapatmendukung pengambilan keputusan yang terbaik bagi perusahaan / Ensuring that reported data is capable to have the best decision taken for company
Cost concern
Selalu melakukan evaluasi diakhir pelaksanaan tugas dalam upaya meningkatkan manfaat dan efektivitas penggunaan baiya pada tugas-tugas selanjutnya / Always conducting evaluation at the end of duties performance in order to enhance benefit and cost-spending affectivity on awaiting tasks
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.478
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Process excellence
• Memastikanterjadinyazero defect untuk mewujudkan hasil terbaik / Ensuring that zero defect happens in order to achieve the best result
• Melaksanakanprosesbisnissecarabenar/sesuaistandard operation procedure (SOP) / Conducting correct business process according to Standard Operation Procedure (SOP)
• MelakukanreviewSOPsecaraberkesinambunganuntuk memastikan bahwa SOP tersebut sesuai dengan perkembangan perusahaan dan industri / Conducting synergized SOP review to ensure that the SOP has been in accordance with company and industry’s development
5 Innovative
Memunculkan gagasan atau menciptakan produk/ alat kerja/sistem kerja baru yang dapat meningkatkan produktivitas dan pertumbuhan perusahaan / Creating fresh ideas or innovate product/work device/ new work system to accelerate productivity and the Company’s growth
Bench marking
• Mempelajaripraktekbisnisterbaiklewatbacaan,sharing session, pelatihan, magang, atau kunjungan ke unit kerja/perusahaan terbaik / Learning best business practice through sharing session, training, internship, or working unit visit/the best company
• Menceritakanpraktekbisnisterbaikyangdipelajarikepada rekan kerja dalam satu divisi/ perusahaan / Sharing best business practice learned to colleagues in a division/ Company
• Menerapkanpraktekbisnisterbaikdilingkungankerjanya, yang dapat meningkatkan kemajuan perusahaan / Implementing best business practice in its working environment that can develop Company’s growth
Breaktrough
• Merancangulangdan/atausecaraterusmenerusmelakukan perbaikan proses bisnis yang dibutuhkan / Redesigning and/or continuously conducting needed business process
• Melaksanakanpengembanganinisiatifbaruyangdapat meningkatkan kinerja individu, unit kerja dan perusahaan / Conducting new initiative development to improve individual working performance, working unit, and companies
6 Loyal
Menumbuhkembangkan semangat untuk mengerti, memahami dan melaksanakan nilai-nilai perusahaan sebagai bagian dari Keluarga Besar Sinarmas / growing spirit to understand, comprehend, and apply company’s values as part of Sinarmas big family
Fraternity
• Menjaganamabaikperusahaanpadasetiapkesempatan, dimanapun berada, di dalam maupun di luar perusahaan / Protecting Company’s good reputation in every opprtunity, in or outside the Company
• Menjagakepentingan/informasi/sumberdaya/assetperusahaan dengan sebaik-baiknya dan dalam kondisi apapun, tidak akan pernah memberikannya kepada pihak manapun yang tidak berkepentingan / Maintaining the Company’s interests/information/resources/assets at best effort in every condition and would not be willing to hand them to unrelated parties
Pride
• Merekomendasikanorang-orangyangberpotensiuntuk bergabung dengan perusahaan / giving recommendation of potential individuals to join the Company
• Menceritakanhal-halyangpositifmengenai/Spreading positive things about company in every opportunity perusahaan dalam setiap kesempatan
• Menjadi‘role model’ dari penerapan nilai-nilai perusahaan / Being a role model in applying Company’s values
Annual Report 2015 | PT. BANK SINARMAS Tbk. 479
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Dedication
• Melihatsetiaptugas/pekerjaansebagaihalpentingyang bermanfaat bagi kemajuan Perusahaan / Seeing that every duty/assignment is beneficial and important matter for Company’s growth
• Menunjukkanusahacerdasdankertasdalammelaksanakan pekerjaan / Demonstrating clever efforts in conducting their duties
PAKTA INTEgRITASBank Sinarmas memiliki pakta integritas yang berisikan
komitmen manajemen dan seluruh pegawai Perseroan untuk
senantiasa mencegah dan tidak melakukan korupsi. Pakta
integritas tersebut ditujukan untuk menumbuhkembangkan
keterbukaan dan kejujuran, serta menciptakan pelaksanaan
tugas yang berkualitas, efektif, efisien, dan akuntabel dalam
lingkungan bisnis. Pakta integritas tersebut memuat tentang
berbagai hal yang dapat menegakkan implementasi gCg di
dalam Bank Sinarmas.
KEPATUHAN TERHADAP PAJAKBank Sinarmas senantiasa patuh dan taat pada peraturan
dan perundang-undangan yang berlaku serta senantiasa
memenuhi Peraturan Pemerintah Republik Indonesia terkait
pajak penghasilan atas perolehan dari usaha bank. Kepatuhan
Bank Sinarmas terhadap pajak merupakan salah satu bentuk
kontribusi Bank Sinarmas dalam membangun negara.
KEBIJAKAN ANTI KORUPSIKebijakan
Dewan Komisaris, Direksi, serta seluruh karyawan Bank
Sinarmas senantiasa menjunjung tinggi persaingan yang fair,
nilai sportivitas dan profesionalisme, serta prinsip-prinsip
gCg. Perseroan juga berkomitmen untuk menciptakan
iklim usaha yang sehat, menghindari tindakan, perilaku
ataupun perbuatan-perbuatan yang dapat menimbulkan
konflik kepentingan, korupsi, kolusi, dan nepotisme (KKN)
Dasar hukum penerapan kebijakan anti korupsi yang ada di
Perseroan mengacu pada:
• Undang-UndangNo.8tahun2010tentangpencegahan
dan pemberantasan tindak pidana pencucian uang, dan
• Undang-UndangNo.20Tahun2001tentangPerubahan
atas UU Nomor 31 tahun 1999 tentang Pemberantasan
Tindak Pidana Korupsi.
Bank Sinarmas memiliki pedoman yang memuat perilaku
etis yang pada dasarnya telah memuat nilai-nilai etika
bisnis. Pedoman tersebut berupa kode etik Perusahaan
yang menyatakan dengan singkat, jelas, dan rinci dalam
memberikan arahan yang jelas perihal perilaku etika bisnis
termasuk di dalamnya tentang anti korupsi.
INTEgRITy PAcTBank Sinarmas possesses integrity pact that contains
commitment of the Company’s management and all
employees to prevent and do not commit corruption. The
purpose of integrity pact is to develop transparency and
honesty, as well as creating a quality, effective, efficient, and
accountable fulfillment of duties in business environment.
Integrity pact contains various matters that can uphold gCg
implementation within Bank Sinarmas.
TAX cOMPLIANcEBank Sinarmas always complies with the prevailing laws and
regulations, as well as Regulation of the government of the
Republic of Indonesia regarding income tax on income of the
Bank’s business. Bank Sinarmas’ compliance with tax is a form
of contribution of Bank Sinarmas in developing the country.
ANTI-cORRUPTION POLIcyPolicy
The Board of Commissioners, Board of Directors, and all
employees of Bank Sinarmas always uphold a fair competition,
sportsmanship and professionalism, as well as gCg principles.
The Company is also committed to creating a healthy business
climate, avoiding action, behavior or deed that may cause
conflict of interest, corruption, collusion, and nepotism (KKN).
Legal basis of the implementation of anti-corruption policy in
the Company is as follows:
• LawNo.8year2010onpreventionanderadicationof
money laundry, and
• LawNo.20Year2001onAmendmenttoLawNo.31year
1999 on Eradication of Corruption.
Bank Sinarmas has guidelines that contain ethical behavior
that basically has included ethical values of business. The
guidelines are realized in the form of code of conduct that
briefly, clearly, and specifically states a clear directions
concerning business ethics, including anti-corruption policy.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.480
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Pelatihan Anti Korupsi
Bank Sinarmas menyelenggarakan workshop implementasi
gCg yang materinya memuat tentang anti korupsi yang
memuat pemahaman tentang anti korupsi bagi seluruh
karyawan.
Departemen Anti-Korupsi
Sampai saat ini, Bank Sinarmas belum memiliki departemen
khusus yang berfokus pada penegakan anti-Korupsi di
lingkungan Bank Sinarmas. Namun, secara intrinsik upaya
pencegahan senantiasa dilakukan dengan mengoptimalkan
peran SKAI.
PRAKTIK BAD cORPORATE gOVERNANcESepanjang 2015, Bank Sinarmas tidak melakukan segala
tindakan serta kebijakan yang berkaitan dengan praktik-
praktik bad corporate governance. Bank Sinarmas menyadari
bahwa praktik ini cenderung akan merusak sistem good
corporate governance yang telah dibangun Bank Sinarmas.
Adapun informasi yang dapat dihimpun Bank mengenai hal ini
adalah sebagai berikut:
Tabel informasi praktik bad corporate governance
No Keterangan / Description Praktik / Practice
1Adanya laporan sebagai Perusahaan yang mencemari lingkungan / Report as Company that causes environmental pollution
Nihil
2
Perkara penting yang sedang dihadapi Perusahaan, entitas anak, Anggota Direksi dan/atau Anggota Dewan Komisaris yang sedang menjabat yang tidak diungkapkan dalam laporan tahunan / Legal cases faced by the Company, subsidiary, members of the Board of Directors and/or acting members of the Board of Commissioners not disclosed in the annual report
Nihil
3Ketidakpatuhan dalam pemenuhan kewajiban perpajakan / Non compliance with the taxation regulation
Nihil
4Ketidakpastian penyajian laporan keuangan dengan PSAK / Uncertainties in the presentation of the financial reporting by PSAK
Nihil
STRATEgI ANTI FRAUD, SISTEM PEMANTAUAN FRAUD, DAN FRAUD RESPON PLANPerseroan mengeluarkan kebijakan penerapan strategi anti-
fraud melalui Surat Keputusan No.SK.007/2012/PRESDIR-SKAI
tentang Kebijakan Anti-Fraud Management tanggal 1 Juni
2012 dalam rangka memenuhi Surat Edaran Bank Indonesia
No. 13/28/DPNP tanggal 9 Desember 2011 perihal Penerapan
Strategi Anti-Fraud bagi Bank Umum, serta sebagai salah satu
bagian dari penyempurnaan Kebijakan Sistem Pengendalian
Intern Bank. Hal ini merupakan wujud komitmen manajemen
Bank dalam mengendalikan fraud yang diterapkan dalam
Anti-corruption Training
Bank Sinarmas organizes workshop on gCg implementation
whose materials contain understanding of anti-corruption to
all employees.
Anti-corruption Department
Up to date, Bank Sinarmas is yet to have a department
focusing on anti-corruption enforcement within Bank
Sinarmas. However, intrinsically, prevention efforts are always
implemented by optimizing the role of IAU.
BAD cORPORATE gOVERNANcE PRAcTIcEThroughout 2015, Bank Sinarmas did not implement any
action and policy relating to bad corporate governance. Bank
Sinarmas realizes that such practice tends to damage good
corporate governance system established by Bank Sinarmas.
Information collected by the Bank on this matter is as follows:
Table of information on bad corporate governance practice
ANTI FRAUD STRATEgy, FRAUD MONITORINg SySTEM AND FRAUD RESPONSE PLANThe Company issued anti-fraud strategy implementation policy
through Decree No.SK.007/2012/PRESDIR-SKAI on Anti-Fraud
Management Policy on June 1, 2012 to meet the Circular
Letter of Bank Indonesia No. 13/28/DPNP dated December 9,
2011 concerning the Implementation of Anti-Fraud Strategy
for Commercial Banks as one of parts of the improvement of
Bank’s Internal Control System Policy. This becomes the form
of commitment to the Bank’s management in controlling raud
that has been implemented in the fraud controlling system.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 481
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
bentuk sistem pengendalian fraud. Selama ini, Bank Sinarmas
telah memiliki strategi anti-fraud yang diatur pada setiap
Kebijakan, Standar Prosedur Operasional, Petunjuk Teknis
Operasional, dan pengaturan lainnya.
Sejalan dengan SE BI No.13/28/DPNP mengenai Penerapan
Strategi Anti Fraud bagi Bank Umum, Bank Sinarmas telah
melakukan berbagai upaya untuk memantau dan memitigasi
risiko fraud melalui penerapan 4 pilar yaitu: (1) Pencegahan;
(2) Deteksi;(3)Investigasi, Pelaporan dan Sanksi; serta (4)
Pemantauan, Evaluasi dan tindak lanjut, dimana dalam
implementasinya melibatkan seluruh line of defense.
PILAR PENcEgAHAN / PREVENTION
PILLAR
PILAR DETEKSI / DETECTION
PILLAR
PILAR INVESTIgASI, PELAPORAN
DAN SANKSI / INVESTIgATION, REPORTINg &
SANCTION PILLAR
PILAR PEMANTAUAN, EVALUASI DAN TINDAK LANJUT / MONITORINg, EVALUATINg &
FOLLOWINg-UP PILLAR
Pilar Pencegahan
Mencegah tindak fraud lebih mudah dari pada
menginvestigasi kasus tindakan fraud. Pencegahan tindak
fraud merupakan tanggung jawab seluruh jajaran Bank dan
merupakan bagian dari Sistem Pengendalian Fraud dalam
rangka mengurangi potensi terjadinya fraud.
Pelaksanaan fungsi pencegahan meliputi:
a. Penerapan Know Your Employee (KyE) yang dilakukan
sejak:
- Penerimaan karyawan, yang harus dilakukan adalah
periksa identitas calon yang jelas, cocokkan alamatnya,
dengan siapa tinggal. Jika pernah bekerja di tempat
lain, lakukan konfirmasi ke tempat kerja sebelumnya,
lakukan BI checking, serta periksa track recordnya.
During this time, Bank Sinarmas has the anti-fraud strategy
regulated in each Policy, Standard Operating Procedure,
Operating Technical guidelines, and other arrangements.
In line with SE BI No.13/28/DPNP on the Implementation of
Anti Fraud Strategy for Commercial Bank, Bank Sinarmas
has conducted various efforts to monitor and mitigate fraud
risk through the implementation of 4 pillars namely: (1)
Prevention; (2) Detection; (3) Investigation, Reporting and
Sanction; and (4) Monitoring, Evaluation and follow-up, in
which the implemenation involves all lines of defense.
Prevention Pillar
Preventing fraud actions is easier than investigating fraud
action cases. Prevention of fraud is responsibility of all Bank
managements and part of Fraud Control System in order to
decrease potential of fraud.
Implementation of prevention functions are as follows:
a. Implementation of Know your Employee that is conducted
since:
- Acceptance of employees, what to do is to check the
identity of the candidates, match the address, with
whom they live. If they have ever worked in other
companies, confirm to their previous companies, do BI
checking, and check the track record.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.482
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
- Pada masa kerja, lakukan rotasi secara berkala, hindari
rangkap jabatan, kewajiban cuti, pelatihan yang
berkelanjutan, kenali gaya hidupnya (life style), seorang
pimpinan harus mengetahui gaya hidup stafnya.
- Pada saat seorang karyawan resign, cek kewajibannya
kepada bank, konfirmasi ke HCM dan penuhi haknya.
b. Pelaksanaan sosialisasi “fraud awareness” secara
berkelanjutan, pembinaan keimanan, membudayakan
saling mengenal diantara stafnya.
c. Membudayakan semangat Zero Tolerance To Fraud (tidak
mentolerir tindak fraud), salah satu caranya dengan
membacakan deklarasi anti-fraud pada morning briefing.
d. Setiap karyawan baru wajib membaca dan
menandatangani deklarasi anti fraud.
e. Mengidentifikasi kerawanan di lingkungan kerja.
Pilar Deteksi
Suatu tindak fraud akan segera diketahui dengan cepat atau
lambat oleh orang yang ada di sekitarnya. Mendeteksi aktifitas
yang perpotensi fraud paling cepat adalah rekan kerja, atasan
dari pelaku ataupun nasabah. Pilar deteksi meliputi hal-hal
sebagai berikut:
a. Pilar ini merupakan Sistem pengendalian Fraud dalam
rangka mengidentifikasi dan menemukan fraud dalam
kegiatan usaha bank.
b. Meliputi Kebijakan dan mekanisme WhistlebBlowing
(SK.027/2015/PRESDIR-FMD tanggal 20 Oktober 2015),
Surprise Audit dan Surveillance System.
c. Penanggung jawab terhadap pilar deteksi adalah seluruh
unit kerja, baik first line of defense, second of defense
maupun third line of defense. Jika kejadian fraud sudah
terdeteksi, maka atasan dari pelaku/rekan kerja/seluruh
stakeholder wajib melaporkan ke SKAI, maupun Divisi anti-
Fraud atau langsung ke [email protected] yang
dikelola oleh Divisi Anti-Fraud.
d. Untuk Surprise Audit dan Surveillance Audit merupakan
bagian dari Internal Control yang merupakan program
SKAI.
- During the working period, do the rotation regularly,
avoid concurrent position, furlough obligation,
ongoing training, identify their lifestyle, a leader should
know the lifestyle of its staff.
- When an employee resignes, check his/her obligations
to the bank, confirm to HCM and fulfill their rights.
b. Socialization implementation of “fraud awareness”
continuously, belief training, knowing each other among
its staff.
c. To grow the spirit of Zero Tolerance Fraud (not tolerate
acts of fraud), one of ways is to read the declaration of
antifraud on the morning briefing.
d. Each new employee must read and sign a declaration of
anti-fraud.
e. Identifying vulnerabilities in working environment.
Detection Pillar
An act of fraud will be known sooner or later by people
around him/her. The fastest detections potential fraud
activities are coworkers, supervisor or customer. Pillars of
detection include the following:
a. This pillar is Fraud Control System that aims to identify and
find fraud in Bank business activities.
b. Including policies and mechanism of Whistleblowing
(SK.027/2015/PRESDIR-FMD dated October 20, 2015),
Surprise Audit and Surveillance System.
c. Person in charge of detection pillars is the entire unit,
both first line of defense, second and third line of
defense of defense. If fraud has been detected, then the
supervisor/co-workers/all Stakeholders must report to the
Internal Auditor, as well as anti-fraud division or directly
to [email protected] managed by Anti-Fraud
Division.
d. Surprise Audit and Surveillance Audit are parts of the
Internal Control which is an Internal Audit program.
Annual Report 2015 | PT. BANK SINARMAS Tbk. 483
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
SISTEM PELAPORAN PELANggARANBerdasarkan Peraturan Bapepam Nomor: KEP-431/BL/2012
tanggal 1 Agustus 2012 perihal penyampaian Laporan
Tahunan Emiten atau Perusahaan Publik, Perseroan wajib
melaporkan sistem pelaporan pelanggaran yang dimiliki.
Perseroan juga telah mengeluarkan kebijakan dan pedoman
Whistle Blowing pada 20 Oktober 2015 melalui SK.027/2015/
PRESDIR_FMD.
Program whistleblowing
Whistleblowing merupakan salah satu sarana yang efektif
dalam membantu mengungkap adanya kejadian fraud dan
penyimpangan lainnya. Manajemen mengharuskan setiap
lini unit bisnis untuk secara konsisten menjalankan fungsi
pengawasan melekat dan berjenjang, serta menetapkan
kebijakan dengan membuka saluran pengaduan yang dapat
didayagunakan sebagai early warning untuk dapat dilakukan
langkah-langkah penyempurnaan sistem pengendalian
internal. Hal yang diatur melalui mekanisme ini mencakup
proses pelaporan, tindak lanjut atas pelaporan, proses
komunikasi dan program perlindungan bagi whistleblower.
wHISTLEBLOwINg SySTEMBased on Bapepam Regulation Number: KEP-431/BL/2012
dated August 1, 2012 on the submission of Annual Report of
Issuers or Public Companies, the Company is obliged to report
the existing whistleblower system. The Company also issues
policy and guideliens of Whistleblowing on October 20, 2015
through SK.027/2015/PRESDIR_FMD.
whistleblowing Program
Whistleblowing is one of effective tools to disclose fraud and
other irregularities. Management requires all levels of business
unit to consistently conduct a tight and multi-level supervisory,
and to apply a policy which provides channels for complains
as an early warning to improve an internal controlling system.
The mechanism includes reporting process, following up on
the report, communication process and protection for the
whistleblower.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.484
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Pelaporan whistleblowing
Pelaporan yang diperoleh dari mekanisme Whistleblower
perlu mendapatkan perhatian dan tindak lanjut, termasuk
pengenaan hukuman yang tepat agar dapat memberikan efek
jera bagi pelaku penyimpangan/pelanggaran dan juga bagi
mereka yang terpikir melakukan hal tersebut. Oleh sebab itu,
setiap informasi/laporan yang diterima dengan lampiran bukti-
bukti akan ditangani dan ditindaklanjuti secara profesional,
dengan menugaskan Tim Anti Fraud untuk melakukan
investigasi/observasi kebenaran informasi yang dilaporkan
tersebut apabila dianggap perlu. Pelaporan dapat disampaikan
langsung oleh karyawan melalui media surat tertutup, email
kepada email khusus ([email protected]), SMS atau
telepon ke Nomor Layanan Pengaduan dan Penyampaian
melalui Internal Auditor.
Perlindungan bagi Pelapor
Untuk memberikan perlindungan kepada pemberi infomasi/
pengaduan, manajemen akan menjamin kerahasiaan identitas
pelapor, sehingga karyawan mendapatkan kebebasan untuk
melaporkan adanya tindakan penyimpangan/pelanggaran.
whistleblowing Report
Report acquired from the Whistleblower mechanism needs
to obtain attention and follow-up, including the imposition
of the right sanctions in order to give deterrence for the
violator/offender and for those having the intention to do
such a thing. Therefore, every information/report received
with evidence will be handled and followed-up professionally
by assigning Anti Fraud Time to conduct investigation/
observation on the validity of the information reported if
deemed necessary. The reporting can be directly submitted by
the employee through a closed letter, email to specific email
([email protected]), SMS or telephone to Complaint
Service Number and Submission through Internal Auditor.
whistleblower Protection
To protect the whistleblower, management guarantee
the confidentiality of the whistleblower’s identity, so that
employees are free to report any act of infringements/frauds.
If the report is proven true, the management will provide
Annual Report 2015 | PT. BANK SINARMAS Tbk. 485
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
Manajemen akan memberikan penghargaan kepada karyawan
yang memberikan pengaduan peyimpangan/pelanggaran,
apabila pengaduan yang disampaikan terbukti benar.
Penanganan Pengaduan
Setiap laporan yang disampaikan oleh whistleblower dianalisa
oleh Divisi Anti Fraud, dengan berkoordinasi dengan Divisi IT,
Divisi HCM dan Kantor Cabang. Masing-masing Unit Kerja
memiliki tugas dan tanggung jawab yang telah diatur secara
jelas, mulai dari tahapan melakukan deteksi awal sampai
dengan penyelesaian atas kasus Fraud ataupun penyimpangan
lainnya.
Hasil dari Penanganan Pengaduan
Hasil dari penanganan pengaduan disampaikan oleh Divisi
Anti Fraud kepada manajemen yang memuat kesimpulan
dari hasil penanganan, serta rekomendasi perbaikan sistem
pengendalian internal yang masih dinilai terdapat kelemahan
dan juga rekomendasi pemberian sanksi atas petugas-
petugas terkait kelemahan yang ditimbulkan. Penanganan
dari kasus yang dilaporkan dimaksudkan dalam rangka untuk
memperkuat sistem pengendalian internal, serta memotivasi
seluruh pihak/karyawan untuk menghindari kegiatan/transaksi
yang dapat berpotensi/berakibat merugikan perusahaan atau
dapat mengganggu perusahaan beroperasi secara aman.
Pilar Investigasi, Pelaporan, dan Sanksi
Pilar investigasi, pelaporan, dan sanksi merupakan tanggung
jawab Direktorat Anti Fraud dan bagian dari Sistem
Pengendalian Fraud dalam rangka penanganan fraud yang
terjadi melalui investigasi dan hasilnya dilaporkan kepada
Direktur Utama, Dewan Komisaris, Otoritas Jasa Keuangan
dan Bank Indonesia, termasuk usulan pengenaan sanksi bagi
para pelaku fraud.
Pilar Pemantauan, Evaluasi, dan Tindak Lanjut
Pilar pemantauan, evaluasi, dan tindak lanjut merupakan
tanggung jawab Direktorat Anti Fraud dan bagian dari Sistem
Pengendalian Fraud dalam rangka monitoring atas tindak
lanjut hasil investigasi dan evaluasi kejadian fraud untuk
memperbaiki kelemahan-kelemahan dan memperkuat Sistem
Pengendalian Intern, agar dapat mencegah terulangnya
kembali fraud karena kelemahan yang serupa.
Kebijakan strategi anti-fraud Bank Sinarmas merupakan
wujud komitmen Bank Sinarmas dalam mengendalikan fraud,
dengan tidak memberikan toleransi (zero tolerance) pada
setiap bentuk fraud, baik yang berasal dari internal maupun
eksternal Bank Sinarmas.
awards to the employee, who delivers the report on frauds/
violations.
complaints Handling
Every report submitted by the whistleblower is analyzed by
Anti Fraud Division, by coordinating with IT Division, HCM
Division, and Branch Office. Each Working Unit has duty and
responsibility that has been regulated clearly, from the phase
of performing initial detection until the completion of Fraud
case or other deviations.
Result of complaints Handling
Result on the complaints handling were submitted by Fraud
Detection, Investigation & Litigation Team (FDILT) to the
management, which contains summary on the handling,
recommendation to improve the weakness of internal
controlling system and recommendation of sanction to officers
related to the respective matters. The handling of the reported
case aims to strengthen the internal controlling system,
motivate all parties/employees to avoid activities/transactions
that are prone to bring loss to the company and disturb the
company’s operational.
Investigation, Reporting & Sanction Pillar
Investigation, reporting & sanction pillar is the responsibility
of the Director of Internal Audit and Fraud Control Systems in
order to handle fraud that occurs through the investigation
and the results are reported to Board of Directors , Board
of Commissioners, Financial Services Authority and Bank
Indonesia, including the proposed sanctions for actor of fraud.
Monitoring, Evaluating & Following-up Pillar
Monitoring, evaluating & following-up pillar is the
responsibility of the Director of Internal Audit and part of
Fraud Control Systems in monitoring follow-up actions on
investigation results and evaluation of the fraud to enhance
weaknesses and strengthen the Internal Control System, in
order to prevent the recurrence of frauds because of similar
weakness.
Anti-fraud policy strategy is a commitment of Sinarmas Bank
Bank Sinarmas in controlling fraud, by giving no tolerance
(zero tolerance) in any form of fraud, both from internal and
external of Bank Sinarmas.
Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.486
KILAS KINERJA 2015Flashback PerFormance
oF 2015
PROFIL PERUSAHAAN
comPany ProFile
ANALISIS DAN PEMBAHASAN MANAJEMEN
management Discussion anD analysis
LAPORAN MANAJEMEN
management rePort
Sesuai dengan Surat Edaran Bank Indonesia No. 15/15/
DPNP tanggal 29 April 2013 perihal Pelaksanaan Good
Corporate Governance bagi Bank Umum, yang dimaksud
dengan internal fraud adalah penyimpangan/kecurangan
yang dilakukan oleh pengurus, pegawai tetap dan tidak
tetap (honorer dan outsourcing) terkait dengan proses
kerja dan kegiatan operasional Bank yang mempengaruhi
kondisi keuangan Bank secara signifikan. yang dimaksud
dengan mempengaruhi kondisi keuangan Bank secara
signifikan adalah apabila dampak penyimpangan lebih dari
Rp100.000.000 (seratus juta Rupiah). Secara umum tindakan
penyimpangan atau kecurangan yang dilakukan oleh pihak
intenal Bank merupakan pelanggaran terhadap integritas
serta penyelewengan kewenangan. Menindaklanjuti Surat
Edaran Bank Indonesia No.13/28/DPNP tertanggal 9 Desember
2011 perihal Penerapan Strategi Anti Fraud bagi Bank Umum,
maka dikeluarkan kebijakan penerapan strategi anti fraud
melalui Surat Keputusan No.SK.007/2012/PRESDIR-SKAI
tentang Kabijakan Anti-Fraud Management pada 1 Juni 2012.
Ini merupakan wujud komitmen manajemen Bank dalam
mengendalikan fraud yang diterapkan dalam bentuk sistem
pengendalian fraud.
Sesuai dengan pelaporan ke Bank Indonesia berdasarkan
Laporan Fraud pada 2015, maka jumlah kasus penyimpangan
internal (internal fraud) dengan kerugian/penyimpangan
diatas Rp100 juta selama periode 2015 adalah 2(dua) kasus,
sebagaimana dijelaskan dalam tabel berikut:
Tabel laporan fraud 2015 dan 2014
Internal Fraud
Jumlah Kasus yang Dilakukan oleh / Total Cases Committed by
Pengurus / Management
Pegawai Tetap / Permanent
Employee
Pegawai Tidak Tetap / Non-Permanent Employee
2015 2014 2015 2014 2015 2014
Fraud Nihil / Nil Nihil / Nil2 (dua /
two)Nihil / Nil
3 (tiga / three)
1 (Satu / One)
Telah terselesaikan / Settled Nihil / Nil Nihil / Nil Nihil / Nil Nihil / Nil1 (Satu /
One)1 (Satu /
One)
Dalam proses penyelesaian di internal Bank / Under internal settlement process
Nihil / Nil Nihil / Nil2 (dua /
two)Nihil / Nil
2 (dua / two)
1 (Satu / One)
Belum diupayakan penyelesaiannya / Pending follow-up actions
Nihil / Nil Nihil / Nil Nihil / Nil Nihil / Nil Nihil / Nil Nihil / Nil
Telah ditindaklanjuti melalui proses hukum / Under litigation process
Nihil / Nil Nihil / Nil1 (Satu /
One)Nihil / Nil
1 (Satu / One)
Nihil / Nil
In accordance with Circular Letter of Bank Indonesia No.15/15
DPNP dated April 29, 2013 regarding the implementation of
good Corporate governance for Commercial Bank, internal
fraud relates to any deviation/dishonest behavior committed
by management, permanent and nonpermanent employees
(contract basis and outsourcing) related to the Bank’s
operational process and activities with significant impact to the
Bank’s financial condition. The description of significant impact
to the Bank’s financial condition is when the fraud impact is
more than Rp100,000,000,- (One hundred million Rupiahs).
In general, any deviation or dishonest behavior committed
by internal parties of Bank were a violation towards integrity
and authority deviation. As a follow-up to Circular Letter of
Bank Indonesia No.13/28/ DPNP dated December 09, 2011
regarding the Implementation of Anti-Fraud Strategies for
Commercial Bank, Bank Sinarmas issued anti-fraud policy
through the issuance of Decree No.SK.007/2012/PRESDIR-
SKAI on Anti-Fraud Management Policy dated June 1, 2012. It
is a form of commitment of Bank management in controlling
fraud implemented in the form of fraud control system.
In accordance with the report issued to Bank Indonesia based
on Fraud Report 1st Semester and 2nd Semester in 2015, the
total internal fraud cases with loss/deviation above IDR 100
million during 2014 was 1 (one) case as described in the table
below:
Table of report on fraud in 2015 and 2014
Annual Report 2015 | PT. BANK SINARMAS Tbk. 487
Tinjauan uniT-uniT Bisnis
Overview Of Business units
TaTa KELOLa PERusaHaan
GOOd COrpOrate GOvernanCe
LaPORan KEuangan KOnsOLidasi
COnsOlidated finanCial statement
Tanggung jawaB sOsiaL PERusaHaan
COrpOrate sOCial respOnsiBility
AKSES INFORMASI DAN DATA PERUSAHAAN
Perusahaan berkomitmen untuk melaksanakan prinsip
keterbukaan, untuk itu Perusahaan selalu menyampaikan
informasi tentang Perusahaan melalui website Perusahaan
www.banksinarmas.com. Perusahaan juga menyampaikan
perkembangan Perusahaan mengenai Informasi Material dan
Keterbukaan Informasi yang Perlu Diketahui Publik secara
teratur kepada PT Bursa Efek Indonesia (BEI) dan OJK sesuai
dengan peraturan yang berlaku. Selain melalui website Bank
Sinarmas serta keterbukaan penyampaian informasi kepada
otoritas terkait, akses informasi dan data Bank Sinarmas juga
dapat diperoleh melalui Sekretaris Perusahaan sebagai berikut:
1. Customer Care 1500153 dan 021-501 8888
2. Email: [email protected]
3. Media Sosial:
Facebook : https://id-id.facebook.com/Bank-
Sinarmas-307425840619/
Twitter : @banksinarmas
4. Media massa/iklan
5. Melalui kantor pusat dan kantor cabang Bank Sinarmas
INFORMATION AccESS AND cORPORATE DATAThe Company is committed to implementing disclosure
principle. As such, the Company always submits information
about the Company through the Company’s website,
namely www.banksinarmas.com. The Company also submits
the Company’s development on Material Information and
Information Disclosure that Needs to be Known by the Public
on a periodical basis to PT Bursa Efek Indonesia (BEI) and OJK
according to the prevailing regulations. Besides through Bank
Sinarmas’ website on disclosure of information submission to
the related authorities, access to information and data of Bank
Sinarmas can also be acquired through Corporate Secretary as
follows:
1.Customer Care 1500153 dan 021-501 8888
2. Email: [email protected]
3. Social Media:
Facebook : https://id-id.facebook.com/Bank-
Sinarmas-307425840619/
Twitter : @banksinarmas
4. Mass media/ads
5. Head office and branch office of Bank Sinarmas