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Laporan Tahunan 2014 Annual Report
Developing Through TransformationBerkembang Melalui Transformasi
Laporan tahunan ini memuat pernyataan kondisi keuangan, hasil operasi, proyeksi, rencana,
strategi, kebijakan, serta tujuan Perseroan, yang digolongkan sebagai pernyataan ke depan
dalam pelaksanaan perundang-undangan yang berlaku, kecuali hal-hal yang bersifat
historis. Pernyataan-pernyataan tersebut memiliki prospek risiko, ketidakpastian, serta dapat
mengakibatkan perkembangan aktual secara material berbeda dari yang dilaporkan.
Pernyataan-pernyataan prospektif dalam laporan tahunan ini dibuat berdasarkan berbagai
asumsi mengenai kondisi terkini dan kondisi mendatang Perseroan serta lingkungan bisnis di
mana Perseroan menjalankan kegiatan usaha. Perseroan tidak menjamin bahwa dokumen-
dokumen yang telah dipastikan keabsahannya akan membawa hasil-hasil tertentu sesuai
harapan.
Laporan tahunan ini memuat kata “Perseroan” dan “Bank Sinarmas” yang didefinisikan
sebagai PT. Bank Sinarmas Tbk. yang menjalankan bisnis dalam bidang perbankan. Adakalanya
kata “Perusahaan” juga digunakan atas dasar kemudahan untuk menyebut PT. Bank Sinarmas
Tbk. secara umum.
Laporan Tahunan PT. Bank Sinarmas Tbk. yang berakhir pada 31
Desember 2014 ini diterbitkan sesuai dengan Peraturan Bank Indonesia
No. 3/22/PBI/2001 tentang Transparansi Kondisi Keuangan Bank dan
juga Keputusan Ketua Badan Pengawas Pasar Modal dan Lembaga
Keuangan 431/BL/2012 Peraturan No. X.K.6 tentang Kewajiban
Penyampaian Laporan Tahunan Bagi Emiten atau Perusahaan Publik.
Penyebutan satuan mata uang “Rupiah”, “Rp” atau IDR merujuk pada
mata uang resmi Republik Indonesia, sedangkan “Dolar AS” atau USD
merujuk pada mata uang resmi Amerika Serikat. Semua informasi
keuangan disajikan dalam mata uang Rupiah sesuai dengan Standar
Akuntasi Keuangan Indonesia.
Laporan Tahunan Bank Sinarmas 2014 disajikan dalam dua bahasa
yaitu Bahasa Indonesia dan Bahasa Inggris dengan menggunakan jenis
dan ukuran huruf yang mudah dibaca dan dicetak dengan kualitas
yang baik. Laporan Tahunan ini dapat dilihat dan diunduh di website
resmi Bank Sinarmas yaitu www.banksinarmas.com.
The Annual Report of PT. Bank Sinarmas Tbk. for the year ended on
December 31, 2014 is published in accordance with the Regulation
of Bank Indonesia No. 3/22/PBI/2001 regarding the Transparency of
Bank’s Financial Condition, and Decision of the Head of Capital Market
Supervisory Board and Financial Institutions 431/BL/2012 Regulation
No. X.K.6 on the Oblgation to Submit Annual Report for Issuers or
Public Company.
The currency of “Rupiah”, “Rp” or IDR throughout this report refers to
the official currency of the Republic of Indonesia, while US Dollar refers
to the official curreny of the US. All financial infromation is presented in
Rupiah currency in accordance with the Indonesia Financial Accounting
Standards.
The 2014 Annual Report of Bank Sinarmas is presented bilingually,
both in Bahasa Indonesia and English, in which the English part uses
fonts of other types and sizes. It is also published in good quality. This
Annual Report can be read and downloaded from the offical website of
Bank Sinarmas, namely www.banksinarmas.com.
Sanggahan Dan Batasan Tanggung Jawab
About The 2014 Annual Report of Bank Sinarmas
Disclaimer
Tentang Laporan Tahunan Bank Sinarmas 2014
This annual report contains financial condition, operation results, projections, plans, strategies,
policy, as well as the Company’s objectives, which is classified as forward-looking statements in
the implementation of the applicable laws, excluding historical matters. Such forward-looking
statements are subject to known and unknown risks (prospective), uncertainties, and other
factors that could cause actual results to differ materially from expected results.
Prospective statements in this annual report are prepared based on numerous assumptions
concerning current conditions and future events of the Company and the business environment
where the Company conducts business. The Company shall have no obligation to guarantee
that all the valid document presented will bring specific results as expected.
This annual report contains the word “Company” and “Bank Sinarmas” hereinafter referred
to PT. Bank Sinarmas Tbk., as the company that runs business in banking industry. The word
“Company” is at times used to simply refer to PT. Bank Sinarmas Tbk. in general.
Annual Report 2014 | PT. BANK SINARMAS Tbk. 1
Penyusunan Laporan Tahunan Bank Sinarmas merujuk pada ketentuan-
ketentuan yang berlaku mengenai penyajian keterbukaan informasi
yang harus disampaikan dalam Laporan Tahunan yang terdiri dari
beberapa bab, sebagai berikut:
• ProfilPerusahaan
Menyajikan berbagai informasi umum mengenai Bank Sinarmas,
yang meliputi sejarah pendirian Bank Sinarmas, Visi dan Misi,
Pemegang Saham dan Komposisi Kepemilikan Saham, berbagai
penghargaan yang diterima oleh Bank Sinarmas, hingga Peta
Operasional. Selain informasi umum, terdapat laporan manajemen
dari Komisaris dan Direktur Utama. Profil Bank Sinarmas
selengkapnya dapat dilihat pada halaman 41 hingga 125.
• Analisis dan Pembahasan Manajemen Atas Kinerja Bank
Sinarmas
Menyajikan deskripsi analisis atas kinerja Bank Sinarmas yang
meliputi tinjauan industri perbankan, tinjauan bisnis, tinjauan
operasional, tinjauan keuangan, termasuk aspek pemasaran yang
terdiri dari strategi pemasaran dan pangsa pasar. Analisis dan
Pembahasan Manajemen atas Kinerja Bank Sinarmas selengkapnya
dapat dilihat pada halaman 127 hingga 171.
• TataKelolaPerusahaan
Menyajikan informasi mengenai penerapan tata kelola perusahaan
yang diimplementasikan Bank Sinarmas secara lengkap dan
menyeluruh sesuai dengan Pedoman Umum GCG oleh KNKG. Tata
Kelola Perusahaan selengkapnya dapat dilihat pada halaman 173
hingga 393.
The drafting of Bank Sinarmas’ Annual Report refers to the prevailing
stipulations on the presentation of information disclosure that must be
submitted in the Annual Reports which consisted of several chapters,
namely:
• CompanyProfile
Providing various general information regarding Bank Sinarmas,
encompassing the establishment history of the Bank, Vision and
Mission, Shareholders and the Composition, awards received by
the Bank suring the year, as well as operational map. In addition to
the general information, there will also be Reports from the Board
of Commissioners and Board of Directors. Detailed Profile of Bank
Sinarmas can be read on page 41 to 125.
• ManagementDiscussionandAnalysison thePerformance of
Bank Sinarmas
This chapter provides analytical description on the performance
of Bank Sinarmas which encompasses banking industry overview,
business overview, operational overview, financial overview, as well
as marketing aspects which include marketing strategy and market
share. Management Discussion and Analysis on the performance of
Bank Sinarmas can be read on page 127 to page 171
• CorporateGovernance
Provides detailed and comprehensive information on the
implementation of corporate governance by Bank Sinarmas
in accordance with GCG General Guidelines issued by KNKG.
Information on Corporate Governance of the Bank can be read on
page 173 to 393.
PenyajianInformasiDalam Laporan Tahunan Bank Sinarmas 2014Information on The Presentation of 2014 Annual Report of Bank Sinarmas
PT. BANK SINARMAS Tbk. | Laporan Tahunan 20142
Bank Sinarmas senantiasa melanjutkan budaya
melayani di setiap kegiatan operasional
perusahaan dalam hubungan bersama nasabah,
pemangku kepentingan, dan masyarakat luas.
Sesuai dengan asas kami, pelayanan prima
bagi nasabah dapat menambah kepuasaan dan
kepercayaan nasabah pada Bank Sinarmas.
Seiring dengan semangat mendukung budaya
bangsa, Bank Sinarmas mempersembahkan
tema “Melanjutkan Budaya Melayani” dengan
sentuhan elemen tradisional. Tari selamat
datang dari Bali menjadi simbol penyambutan,
ramah tamah, dan pelayanan yang menjadi
budaya Perusahaan dalam berkarya.
Bank Sinarmas continues to serve the people
of Indonesia in all operational aspects of the
company, particularly in the relationship with the
customres, stakeholders, and society in general.
In line with our principles, premium service for
the customer, we strive to gain satisfaction and
trusts from all customers of the Bank.
Accompanied with the spirit to support the
nation’s culture, Bank Sinarmas presented
the theme of “Continuing the Culture of
Serving” with a touch of traditional elements
in it. The Balinese welcoming dance symbolizes
the welcoming atmosphere, hospitality and
excellent service of Bank Sinarmas that serve as
our culture in carrying out business activities.
Perusahaan yang besar terbentuk berdasarkan
kinerja maksimal yang didukung oleh budaya
Perusahaan yang baik. Bank Sinarmas bertekad
untuk meraih pencapaian terbaik dengan
melestarikan tradisi yang baik di Perusahaan
dan senantiasa memanfaatkan potensi dan
peluang yang tumbuh di tengah dinamika
perkembangan bisnis guna meraih kesuksesan
di masa mendatang.
Melalui semangat “Consistency Striving for
Excellence”, kami memvisualisasikan semangat
tersebut dengan memadukan elemen tradisional
Indonesia yang tetap kami pertahankan dalam
setiap tema laporan tahunan. Tari Kancet Lasan
dari suku Dayak menjadi tanda keagungan.
Tarian ini juga sering disajikan dalam
penyambutan tamu dan acara-acara lainnya.
A reputable company is a fruit from perseverance
to exert maximum efforts, coupled with spirit
to internalize corporate culture within the
company. We are determined to reach the best
achievements by keep maintaining our good
tradition while studying every single potential
and opportunity amid the vibrant business
development to attain success in the future.
Through a “Consistency Striving for Excellence”
spirit, we strive to give a dynamic performance
to keep being in line with the economic
development. We are now revealing a business
policy reflecting an underlying quality of the
Company’s performance.
Theme Continuity of Annual Reports of Bank Sinarmas (2012-2014)
KesinambunganTemaLaporanTahunan Bank Sinarmas (2012-2014)
Annual Report 2014 | PT. BANK SINARMAS Tbk. 3
Indonesia memiliki banyak kesenian tari tradisional yang
membanggakan. Tarian-tarian tersebut terus diwariskan
dari waktu ke waktu. Keindahan tarian tradisional kami
visualisasikan dalam gambar silhouette dengan aksen batik,
ukiran dan satwa khas Indonesia.
Tari Topeng Betawi, diangkat karena berasal dari Jakarta yang
merupakan domisili Kantor Pusat Bank Sinarmas. Selain itu, Tari
Topeng Betawi memiliki konsep unik yang memiliki ciri khas
berbeda dari tari topeng lainnya.
Tari Piring, diangkat karena filosofinya yang energik dan
dinamis, sebagaimana Bank Sinarmas yang berkembang secara
dinamis sesuai dengan kebutuhan pasar dan nasabah. Tarian
ini juga dilakukan secara berkelompok yang mencerminkan
kerja sama.
Tari Rantak Kudo, perpaduan antara gerakan yang penuh
filosofi dengan pencak silat. Beberapa teknik gerakan dalam
tari ini memiliki makna inisiatif, kewaspadaan, arif, dan
kemampuan yang diukur dengan baik.
Tema “Developing Through Transformation” sangat tepat
menggambarkan visi dan misi perusahaan serta cita-cita
Bank untuk menjadi “Payment & Transaction Bank” dengan
melakukan transformasi di bidang SDM dan TI Bank.
Indonesia is proud of its rich cultural background, particularly
its traditional dances. Over time, the dances are inherited to the
next generation to preserve its cultural values. Thus, by referring
to these fundamentals, we chose the beauty of Indonesia’s
traiditional dances and visualizes them in silhouette, patterned
in batik, carvings, and endemic faunas of Indonesia.
Tari Topeng Betawi (Betawi’s Mask Dance) is uplifted due to
its origin of Jakarta, which is the location of Bank Sinarmas’
Main Office. Furthermore, this dance has a unique concept that
differentiate it from other mask dances in the nation.
Tari Piring (Piring Dance) is higlighted due to its philosophy
value that shows energy and dynamic, similar to the Bank that
continues to develop dynamically in line with the requirements
from the market and customers. This dance is performed in
group and reflects the spirit of cooperation.
Tari Rantak Kudo (Rantak Kudo Dance) is a dance that combines
philosophical movements with pencak silat movements. Several
dance sequences in this traditional dance describe initiative,
awareness, wisdom, and capabilities that are well measured.
Our theme of “Developing Through Transformation“ is
observed as the most appropriate to describe vision and mission,
as well as the target of the Bank to become a “Payment and
Transaction Bank” through transformation in the aspect of
Human Resources and Information Technology.
PT. BANK SINARMAS Tbk. | Laporan Tahunan 20144
Table of Content
DaftarIsi2 Kesinambungan Tema Laporan
Tahunan Bank Sinarmas (2012-2014)
Theme Continuity of Annual Reports
of Bank Sinarmas (2012-2014)
KILASKINERJA2014FLASHBACK PERFORMANCE OF 20148 Ikhtisar Keuangan
Financial Highlights
10 Ikhtisar Saham
Stock Highlights
12 Peristiwa Penting
Significant Events
18 Penghargaan dan Sertifikasi
Awards and Certifications
LAPORANMANAJEMENMANAGEMENT REPORT22 Laporan Dewan Komisaris
Board of Commissioners Report
30 Laporan Direksi
Board of Directors Report
PROFILPERUSAHAANCOMPANy PROFILE42 Identitas Perusahaan
Corporate Identity
45 Visi dan Misi
Vision and Mission
46 Bidang Usaha
Line of Business
58 Jejak Langkah
Milestones
64 Struktur Organisasi Bank Sinarmas
Organization Structure of Bank
Sinarmas
66 Profil Dewan Komisaris
Board of Commissioners Profile
69 Profil Direksi
Board of Directors Profile
77 Manajemen Senior
Senior Management
78 Struktur Grup Perusahaan
Company Group Structure
80 Komposisi Pemegang Saham
Share Ownership Composition
81 Informasi Pemegang Saham Utama
dan Pengendali
Information on Main and Controlling
Shareholders
82 Sumber Daya Manusia
Human Resources
95 Testimoni Karyawan
Testimonials from Employees
96 Testimoni Mitra Usaha
Testimonials from Business Partners
98 Teknologi Informasi
Information Technology
103 Lembaga Profesi Penunjang Pasar
Modal
Capital Market Supporting Institutions
103 Jaringan
Network
104 Peta Operasional Dan Alamat Kantor
Cabang
Operational Map and Branch Office
Addresses
106 Alamat Kantor Cabang
Branch Office Address
ANALISISDANPEMBAHASANMANAJEMENMANAGEMENT DISCUSSIONAND ANALySIS128 Tinjauan Umum Ekonomi Global
Global Economic Overview
129 Tinjauan Umum Ekonomi Indonesia
Indonesia’s Economic Overview
130 Tinjauan Industri Perbankan
Banking Industry Overview
131 Tinjauan Operasional Per Segmen
Usaha
Operational Overview Per Business
Segment
139 Analisis dan Pembahasan Kinerja
Keuangan
Financial Performance Analysis and
Discussion
147 Target dan Realisasi 2014 serta
Proyeksi Keuangan 2015
Target and Realization 2014 and
Financial Projection 2015
148 Kemampuan Membayar Utang dan
Tingkat Kolektibilitas Piutang
The Capacity To Pay Debts and the
Level of Receivables Collectability
148 Struktur Modal Dan Kebijakan
Manajemen Atas Struktur Modal
Capital Structure and Management
Policy regarding Capital Structure
150 Ikatan yang Material untuk Investasi
Barang Modal
Material Ties for the Investment of
Capital Goods
150 Informasi Dan Fakta Material yang
Terjadi Setelah Tanggal Laporan
Akuntan
Information and Fact Material
Subsequent to the Date of Accountant
151 Informasi Material Mengenai Investasi,
Ekspansi, Divestasi, Restrukturisasi
Utang/Modal
Material Information On Investments,
Expansion, Divestments, Capital/Debt
Restructuring
152 Informasi Transaksi Material yang
Mengandung Benturan Kepentingan
dan Transaksi Dengan Pihak Berelasi
Material Information Transaction
Which Contains Conflict of Interest
and Transaction with Related Parties
153 Kebijakan Suku Bunga Bank Sinarmas
Bank Sinarmas Interest Rate Policy
154 Aspek Pemasaran
Marketing Aspects
155 Kebijakan Dividen
Dividend Policy
156 Realisasi Dana Hasil Penawaran Umum
Realization of Funds from Public
Offering
157 Perubahan Peraturan
Perundangundangan yang
Berpengaruh
The Change of Influenced Laws and
Regulations
163 Perubahan Kebijakan Akuntansi
The Change of Accountant Policy
169 Prospek Usaha
Business Prospects
171 Strategi yang Telah Ditempuh pada
2014 dan Strategi Ke Depan
Strategies That Have Been Taken in
2014 and Future Strategies
TINJAUANUNIT-UNITBISNISOVERVIEW OF BUSINESS UNITS174 Unit Usaha Syariah
Sharia Business Units
174 Profil Unit Usaha Syariah PT.
Bank Sinarmas Tbk.
Profile of Sharia Business Units
PT. Bank Sinarmas Tbk.
175 Visi, Misi dan Nilai Sharia
Vision, Mission and Sharia Value
176 Jejak Langkah
Milestone
Annual Report 2014 | PT. BANK SINARMAS Tbk. 5
178 Dewan Pengawas Syariah
Sharia Super Visory Board
182 Direktur Unit Usaha Syariah
Board of Directors of Sharia
Business Unit
187 Komite Di Bawah Direksi UUS
Committees Under The Board
of Director
190 Tinjauan Operasi Per Segmen
Usaha
Committees Under The Board
of Director
200 Kinerja Keuangan
Financial Performance
203 Tata Kelola Perusahaan
Implementation Of Good
Corporate Governance
215 Tanggung Jawab Sosial
Perusahaan
Corporate Social Responsibility
216 Manajemen Risiko
Risk Management
216 Sistem Penerapan Manajemen Risiko
Risk Management Implementation
System
219 Evaluasi Atas Efektivitas Sistem
Manajemen Risiko
Evaluati on of Effectivity of Risk
Management System
220 Jenis Risiko Dan Pengelolaanya
Types Of Risks And Its Management
TATAKELOLAPERUSAHAANGOOD CORPORATE GOVERNANCE288 Dasar Penerapan Tata Kelola
Perusahaan
The Implementation of Good
Corporate Governance
290 Implementasi Tata Kelola Perusahaan
The Implementation of Corporate
Governance
291 Penilaian Tata Kelola Perusahaan
Corporate Governance Assessment
292 Peta Arah Tata Kelola Perusahaan
Peta Arah Tata Kelola Perusahaan
292 Struktur Tata Kelola Perusahaan
The Corporate Governance Structure
295 Rapat Umum Pemegang Saham (RUPS)
General Meeting of Shareholderds
(GMS)
305 Dewan Komisaris
Board of Commissioners
314 Direksi
Board of Directors
332 Hubungan Kerja Dewan Komisaris dan
Direksi
Work Relation of The Board of
Commissioners and Board of Directors
337 Kebijakan dan Prosedur Penetapan
Remunerasi Direksi
Policies and Procedures of The
Board of Directors Remuneration
Determination
339 Assessment Dewan Komisaris dan
Direksi
Assessment of The Board of
Commissioners and Board of Directors
340 Komite-Komite Di Bawah Dewan
Komisaris
Committees Under The Board of
Commissioners
340 Komite Audit
Audit Committee
344 Komite Pemantau Risiko
Risk Monitoring Committee
349 Komite Remunerasi dan Nominasi
Committee of Remuneraion and
Nomination
354 Komite Good Corporate Governance
Komite Good Corporate Governance
(GCG)
358 Komite-Komite Di Bawah Direksi
Committees Under Board of Directors
358 Asset & Liability Management
Committee (ALCO)
Asset & Liability Management
Committee (ALCO)
259 Komite Kredit Korporasi
Company’s Credit Committee
360 Komite Information Technology
Information Technology Committee
361 Komite Manajemen Risiko
Risk Management Committee
362 Komite Human Capital Management
(HCM)
Human Capital Management
Committee (HCM)
363 Satuan Kerja Audit Internal (SKAI)
Internal Audit Work Unit
368 Sistem Pengendalian Internal (SPI)
Internal Supervision System
369 Satuan Kerja Manajemen Risiko
(SKMR)
Risk Management Work Unit
371 Satuan Kerja Kepatuhan (SKK)
Compliance Work Unit
378 Sekretaris Perusahaan
Corporate Secretary
382 Akuntan Publik
Public Accountant
383 Transaksi yang Mengandung Benturan
Kepentingan
Transaction Containing Conflicts of
Interest
383 Perkara Perusahaan
Legal Cases
383 Akses Informasi Perusahaan
Access to Company Information
384 Buy Back Shares dan Buy Back Obligasi
Bank
Buy Back Shares and Buy Back Obligasi
Bank
384 Kode Etik Dan Pedoman Tingkah Laku
Codes of Conduct
385 Budaya Bank Sinarmas
Bank Sinarmas Culture
388 Sistem Pelaporan Pelanggaran
Whistleblowing System
390 Penyimpangan Internal
Internal Fraud
393 Praktik Bad Corporategovernance
Bad Corporate Governance Practice
393 Keberagaman Komposisi Dewan
Pengawas dan Direksi
Diversity of The Composition of The
Board of Supervisors And Board of
Directors
TINJAUANUNIT-UNITBISNISOVERVIEW OF BUSINESS UNITS396 Filosofi dan Dasar Kebijakan Tanggung
Jawab
Philosophy And Basic Policy Of
Responsibility
398 Tanggung Jawab Sosial Bidang
Ketenagakerjaan, Kesehatan, dan
Keselamatan Kerja
Corporate Social Responsibility on
Manpower Occupational Health and
Saftey
399 Tanggung Jawab Sosial Perusahaan
Terhadap Kelestarian Lingkungan
Corporate Social Responsibility on The
Environment
400 Tanggung Jawab Sosial Bidang
Pengembangan Sosial dan
Kemasyarakatan
Corporate Social Responsibility on
Social and Community Development
402 Tanggung Jawab Sosial Terhadap
Kepada Nasabah
Corporate Social Responsibility To The
Customers
Surat Pernyataan Anggota Dewan Komisaris
dan Direksi Tentang Tanggung Jawab atas
Laporan Tahunan 2014 PT Bank Sinarmas
Tbk
Statement of Members of Board of
Commissioners and Board of Directors on the
Responsibility for the 2014 Annual Report of
PT Bank Sinarmas Tbk
LAPORANKEUANGANKONSOLIDASI
CONSOLIDATED FINANCIAL STATEMENT
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 20146
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 7
KilasKinerja2014Flashback Performance of 2014
01
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 20148
Uraian 2012 2013 2014 Description
LAPORANLABARUGI STATEMENTSOFINCOME
Pendapatan Bunga Bersih 780.192 826.360 987.625 Net Interest Revenues
Pendapatan di luar Bunga 171.150 275.230 251.106 Non Interest Revenues
Pendapatan Operasional 1.622.734 1.665.377 2.045.612 Operating Revenues
Beban Operasional 1.337.255 1.379.277 1.844.717 Operating Expensess
Laba Sebelum Pajak 285.479 286.100 200.895 Income Before Tax
Laba Bersih 227.906 221.100 154.932 Net Income
Jumlah Laba Komprehensif 233.351 221.156 159.624 Total Comprehensive Income
Laba Bersih per Saham Earning per Share
Dasar 23,57 17,87 11,80 Basic
Dilusian 20,15 16,50 11,56 Dilluted
LAPORANPOSISIKEUANGAN STATEMENTSOFFINANCIALPOSITION
Jumlah Aset 15.151.892 17.447.455 21.259.549 Total Assets
Aset Produktif 12.668.515 14.562.067 17.991.951 Earning Assets
Dana Pihak Ketiga 12.860.714 13.819.061 16.946.231 Third Party Fund
Jumlah Ekuitas 1.825.608 2.754.260 3.160.482 Total Equity
RASIOKEUANGAN FINANCIALRATIOS
Permodalan Equity
Pemenuhan modal minimum 18,09% 21,82% 18,38% Capital Adequacy Ratio (CAR)
Aset tetap terhadap modal 34,74% 26,85% 26,71% Fixed Assets to Total Equity
AsetProduktif EarningAssets
Aset produktif bermasalah terhadap total aset produktif
2,63% 1,88% 2,33%
Kredit bermasalah (NPL)-bruto 3,18% 2,50% 3,00% Non-Performing Loan (NPL) - Gross
Kredit bermasalah (NPL)-neto 2,57% 2,12% 2,56% Non-Performing Loans (NPL) - net
PPAP-CKPN terhadap aset produktif 0,73% 0,39% 0,46% Provision to Earning Assets
Pemenuhan PPA-CKPN 100,00% 100,00% 100,00% Provisiom Compliance
Rentabilitas Profitability
Laba terhadap total aset (ROA) 1,74% 1,71% 1,02% Return of Assets (ROA)
Laba terhadap ekuitas (ROE) 15,42% 9,23% 5,72% Return on Equity (ROE)
Marjin bunga bersih 5,72% 5,23% 5,87% Net Interest Margin (NIM)
Biaya operasional/Pendapatan operasional (BOPO)
83,75% 83,25% 91,35% Operational Expenses/Operational Income
Likuiditas Liquidity
Kredit terhadap dana yang dihimpun (LDR)
80,78% 78,72% 83,88% Loans to Deposit Ratio (LDR)
Kepatuhan
Presentase pelanggaran BMPK - - - Percentage of Legal Lending Limit Violation
Pihak terkait Nil Nil Nil Related Parties
Pihak tidak terkait Nil Nil Nil Non Related Parties
IKHTISAR KEUANGANFinancial Highlights
Dalam jutaan Rupiah atau dinyatakan dalam bentuk lain | In million Rupiah unless stated otherwise
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 9
Uraian 2012 2013 2014 Description
PresentasepelampauanBMPK PercentageofLegalLendingLimitExcesses
Pihak terkait Nil Nil Nil Related Parties
Pihak tidak terkait Nil Nil Nil Non Related Parties
Giro wajib minimum (Rupiah) 9,45% 9,37% 8,64% Minimum Balance with Bank Indonesia (Rupiah)
Posisi devisa neto 6,58% 0,75% 0,18% Net Open Position
2012 2012
2012 2012
15.151.892 1.825.608
987.625 13.819.061
21.259.549 3.160.482
16.946.231
17.447.455 2.754.260
2013 2013
2013 2013
2014 2014
2014 2014
Pendapatan Bunga BersihNet Interest Revenues
Dana Pihak KetigaThird Party Fund
Jumlah AsetTotal Assets
Jumlah EkuitasTotal Equity
826.360780.19212.860.714
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201410
IKHTISAR SAHAMStock Highlights
TriwulanBulanMonth
Kurs(RG)PeredaranSahamdiPasarRegulerShare Circulation in Regular Market JumlahSaham
TercatatAmount of Listed
Share
KapitalisasiPasarCapitalization Market
TertinggiHigh
TerendahLow
PenutupanEnd
VolumeNilaiValue
FrekuensiFrequency
(Rp) (Rp) (Rp) (Unit) (Rp) (X)
I
Januari / January 235 215 230 1.801.500 402.670.000 336 10.148.836.246 2.334.232.336.580
Februari / February 275 220 250 21.194.500 5.321.610.000 3.187 10.148.837.282 2.537.209.320.500
Maret / March 290 240 255 70.648.500 18.967.992.500 14.201 10.149.362.282 2.588.087.381.910
II
April / April 305 245 255 110.570.500 31.396.440.000 16.055 12.864.922.291 3.280.555.184.205
Mei / May 260 245 255 8.052.000 2.034.870.000 876 12.864.922.291 3.280.555.184.205
Juni / June 255 220 255 4.358.500 1.016.302.500 410 12.975.346.668 3.308.713.400.340
III
Juli / July 240 225 235 3.201.500 736.897.500 313 12.976.125.168 3.049.389.414.480
Agustus / August 240 225 225 5.466.500 1.259.672.500 1.079 12.977.636.668 2.919.968.250.300
September / September
240 225 230 4.876.000 1.113.287.500 411 12.978.255.668 2.984.998.803.640
IV
Oktober / October 250 225 250 2.504.000 584.662.500 375 12.978.255.668 3.244.563.917.000
November / November
255 235 245 4.216.500 1.036.875.000 384 12.978.756.498 3.179.795.342.010
Desember / December
245 235 240 4.821.500 1.172.805.000 627 12.981.631.498 3.115.591.559.520
TriwulanBulanMonth
Kurs(RG)PeredaranSahamdiPasarRegulerShare Circulation in Regular Market JumlahSaham
TercatatAmount of Listed
Share
KapitalisasiPasarCapitalization Market
TertinggiHigh
TerendahLow
PenutupanEnd
VolumeNilaiValue
FrekuensiFrequency
(Rp) (Rp) (Rp) (Unit) (Rp) (X)
I
Januari / January 253 235 250 6.540.700 1.613.786.900 301 12.985.531.698 3.246.382.924.500
Februari / February 255 249 250 8.023.700 2.006.327.700 269 12.985.531.698 3.246.382.924.500
Maret / March 252 236 252 2.458.800 614.726.400 120 12.987.589.702 3.272.872.604.904
II
April / April 275 250 274 5.125.400 1.343.830.000 302 12.987.589.702 3.558.599.578.348
Mei / May 275 269 270 6.070.100 1.639.435.700 490 12.989.113.102 3.507.060.537.540
Juni / June 284 270 280 8.675.000 2.416.926.900 4.139 13.001.180.935 3.640.330.661.800
III
Juli / July 285 262 284 58.073.300 16.259.632.300 2.738 13.003.797.135 3.693.078.386.340
Agustus / August 284 272 280 2.054.500 573.540.600 864 13.003.797.135 3.641.063.197.800
September / September
288 271 283 7.661.000 2.160.996.000 3537 13.895.104.424 3.932.314.551.992
IV
Oktober / October 284 263 275 495.300 134.387.200 206 13.895.104.424 3.821.153.716.600
November / November
280 240 270 1.708.500 461.212.000 876 13.895.104.424 3.751.678.194.480
Desember / December
339 273 339 17.003.000 5.116.973.300 5990 13.895.104.424 4.710.440.399.736
PeriodeJanuari-Desember2014
PeriodeJanuari-Desember2013
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Tata Kelola PerusahaanGood Corporate Governance
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Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 11
Q1 Q2 Q3 Q4
GrafikVolumePerdagangan
120.000.000
100.000.000
80.000.000
60.000.000
40.000.000
20.000.000
2014 6.540. 700 8.023.700 2.458.800 5.125.400 6.070.100 8.675.000 58.073.300 2.054.500 7.661.000 495.300 1.708.500 17.003.000
2013 1.801.500 21.194.500 70.648.500 110.570.500 8.052.000 4.358.500 3.201.500 5.466.500 4.876.000 2.504.000 4.216.500 4.821.500
Q1 Q2 Q3 Q4
GrafikKapitalisasiPasar
5.000
4.000
3.000
2.000
1.000
2014 3.246 3.246 3.273 3.559 3.507 3.641 3.693 3.641 3.932 3.821 3.752 4.710
2013 2.334 2.537 2.588 3.281 3.281 3.309 3.049 2.920 2.985 3.245 3.180 3.116
Q1 Q2 Q3 Q4
GrafikHargaSaham
350
300
250
200
150
100
50
2014 250 250 252 274 270 280 284 280 283 275 270 339
2013 230 250 255 255 255 255 235 225 230 250 245 240
Laporan ManajemenReport of Management
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Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201412
PERISTIWA PENTINGSignificant Events
13Februari2014
Penandatangan Percepatan Pendalaman Pasar
Repo antar Bank di Bank Indonesia
February13,2014
Signing of the Acceleration and Deepening of
Repo Market
14Februari2014
Penandatanganan Mini Master Repurchase
Agreement (Mini MRA) antar Bank di Menara
BNI
February14,2014
Signing of Mini Master Repurchase Agreement
(Mini Mra) Inter Bank at BNI Tower
24Februari2014
Penarikan Undian Simas Lion Ticket di Metro TV
February24,2014
Drawing of Simas Lion Ticket Lottery at Metro
Tv
1
2
3
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 13
26Februari2014
Penandatanganan Master Repo Agreement
Bank Mandiri dan Bank Umum Nasional di
Plaza Mandiri
February26,2014
Signing of Master Repor Agreement between
Bank Mandiri and National Public Banks at
Plaza Mandiri
13Maret2014
Program Pelatihan Manajemen Usaha Mikro
Kecil Bank Sinarmas dengan P2EB Universitas
Gajah Mada di yogyakarta
March13,2014
Management Training Program for Micro and
Small Enterprises of Bank Sinarmas with P2eb
Gadjah Mada University in yogyakarta
19Maret2014
Peresmian Mobil Kas Bank Sinarmas di Sinarmas
Land Plaza
March19,2014
Launching of Bank Sinarmas Cash Car at
Sinarmas Land Plaza
4
5
6
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5Mei2014
Forum Regional Rollout Bank Sinarmas bersama
seluruh Kantor Wilayah di Plaza Simas
May5,2014
Rollout Regional Forum of Bank Sinarmas
together with all Regional Offices at Plaza Simas
13Juni2014
RUPST dan RUPSLB Bank Sinarmas di Sinarmas
Land Plaza
June13,2014
GMS and EGMS of Bank Sinarmas at Sinarmas
Land Plaza
21Juni2014
Sumbangan Komputer layak pakai kepada Panti
Asuhan Santo yusuf di Cipanas, Puncak
June21,2014
Donation of Computer Appliances to Santo
yusuf Cipanas, Puncak
7
8
9
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 15
5Agustus2014
Dalam Rangka Menyambut Idul Fitri 1435 H Tahun
2014, Bank Sinarmas mengadakan Acara Halal Bihalal
Bersama Anak yatim Piatu di Plaza Simas
August5,2014
In the event of Eid Al-Fitr 1435 H of 2014, Bank
Sinarmas held Halal Bihalal event with orphans at Plaza
Simas
18Agustus2014
Launching Kartu Debit Union Pay Bank
Sinarmas di Grand Hyatt
August18,2014
Launching of Union Pay Debit Card of Bank
Sinarmas at Grand Hyatt
7September2014
HUT Bank Sinarmas ke 25 Tahun di Plaza Simas
September7,2014
Celebration of 25 Anniversary of Bank Sinarmas
at Plaza Simas
10
11
12
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25September2014
Edukasi Perbankan oleh Bank Sinarmas kepada
SDN 02 Lebak Bulus
September25,2014
Banking Education event conducted by Bank
Sinarmas at SDN 02 Lebak
7November2014
Perjanjian kerja sama dengan PT Nurbaya Artha
Pratama dalam Bidang UMKM di Thamrin City
November7,2014
Partnership Agreement with PT Nurbaya Artha
13
14
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
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4Desember2014
Public Expose 2014 Bank Sinarmas di Plaza Simas
December4,2014
2014 Public Expose of Bank Sinarmas at Plaza Simas
19Desember2014
Kunjungan Miss Internet Bali di Sinarmas Land
Plaza
December19,2014
Visit from Miss Internet Bali to Sinarmas Land
Plaza
15
16
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PENGHARGAAN DAN SERTIFIKASIAwards and Certifications
GOLDENTROHPYINFOBANKAWARDS2014(18Juli
2014)
Bank yang berpredikat “Sangat Bagus” atas kinerja keuangan
tahun 2013 selama 5 tahun berturut - turut.
ANUGERAHPERUSAHAANTERBUKAINDONESIA2014
ECONOMICREVIEW(29Agustus2014)
• Bank dengan Holding Terbaik
• Peringkat 4 Kelompok Bank Go Public
GOLDENTROPHYINFOBANKAWARDS2014(July18,
2014)
Obtained the predicate of “Excellent” on the financial
performance of 2013 for 5 years consecutively.
2014AWARDOFINDONESIANPUBLICCOMPANYFROM
ECONOMICREVIEW(August29,2014)
• Bank with the Best Holding
• Fourth Position in the Category of Go Public Bank
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Tata Kelola PerusahaanGood Corporate Governance
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ANUGERAHPERBANKANINDONESIA2014(18November
2014)
Bank BUKU 2 (dua) Peringkat ke 4 (empat) kategori Bank Go
Public dengan modal inti Rp1 Triliun - Rp5 Triliun.
FINANCIALINCLUSIONCOMPETITION(KOINKU)FROM
THEFINANCIALSERVICESAUTHORITY
Second runner-up in the Category of Financial Access
2014INDONESIABANKINGAWARD(November18,2014)
Bank BUKU 2 (two), fourth position in the category of Go Public
Bank with core capital amounting to Rp1 trillion - Rp5 trillion.
KOMPETISIINKULISIKEUANGAN(KOINKU)OTORITAS
JASAKEUANGAN
Pemenang ke-3 (III) Kategori Akses Keuangan
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Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 21
Laporan ManajemenManagement Report
02
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PT. BANK SINARMAS Tbk. | Laporan Tahunan 201422
LAPORAN DEWAN KOMISARISBoard of Commissioners Report
Puji syukur kami panjatkan kepada Tuhan yang Maha Esa,
karena atas karunia-Nya Bank Sinarmas kembali meraih
perolehan yang positif meskipun pemulihan kondisi ekonomi
global masih belum sesuai dengan harapan. Selama tahun
2014, Bank Sinarmas tetap memperlihatkan kinerja yang solid
terutama ditunjukkan dengan risiko kredit, likuiditas dan pasar
yang cukup terjaga, serta dukungan modal yang kuat.
Laporan ini berisi penilaian terhadap kinerja Perseroan selama
tahun 2014, implementasi tata kelola perusahaan, serta
pandangan kami terhadap prospek usaha Perseroan yang telah
disusun oleh Direksi untuk masa mendatang.
PENILAIANKINERJADIREKSI
Dalam upaya menghadapi tantangan selama tahun 2014,
Dewan Komisaris menilai bahwa Direksi telah bekerja dengan
optimal dalam menjalankan program - program serta telah
mengimplementasikan strategi yang telah direncanakan
sebelumnya dengan tepat.
Kondisi ini merupakan hal yang membanggakan karena
pertumbuhan kredit Bank Sinarmas sebesar 30%, berada jauh
di atas rata-rata industri yang bertumbuh sekitar 12%, yang
dikontribusi oleh kredit korporasi. Selain itu, dengan dibentuknya
divisi kredit Retail dan Micro Small Medium Enterprise (MSME),
maka kredit yang disalurkan Bank Sinarmas kepada Usaha
First of all, let us extend our gratitude to God Almighty for His
blessings so that Bank Sinarmas was able to record another
positive performance in 2014 despite the fluctuations in global
economic condition. Bank Sinarmas continues to show solid
performance, particularly shown by credit risk, liquidity, and
market risks, as well as the ability to sustain strong capital
support throughout the year.
This report encompasses evaluations on the Company’s
performance during 2014, implementation of corporate
governance, and our opinion on the Company’s business
outlooks as drafted by the Board of Directors.
EVALUATIONONTHEBOARDOFDIRECTORS’PERFORMANCEThe Board of Commissioners is of the opinion that the Board
of Directors has performed its management functions in 2014
admirably, particularly in implementing various programs and
strategies that have been planned at the beginning of the year.
This result was very satisfying since the credit growth of Bank
Sinarmas in 2014 was recorded at 30%, far above the average
growth of the industry which was at 12% as contributed by the
corporation credit sector. In addition, with the establishment of
credit division of Retail and Micro, Small and Medium Enterprise
(MSME), loans distributed by Bank Sinarmas to several Micro,
Para Pemangku Kepentingan yang Terhormat,Honorable Stakeholders,
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 23
TjendrawatiWidjajaKomisaris Utama
President Commissioner
Kerja keras dan keteguhan dalam memegang prinsip telah menjadi bukti akan kekuatan Perseroan dalam menghadapi tantangan hari ini dan masa yang akan datang.
Our hard work and dedication in upholding the principles serve as the proof of the Company’s strength to face the challenges at the present and that may arise in the future
Laporan ManajemenReport of Management
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PT. BANK SINARMAS Tbk. | Laporan Tahunan 201424
Mikro, Kecil dan Menengah (UMKM) juga bertumbuh dengan
signifikan yaitu sebesar 69%. Hal ini tentunya tidak terlepas
dari jaringan kantor Bank Sinarmas yang tersebar di 34 provinsi
dan 157 kota, sehingga akan lebih mudah dalam menjangkau
nasabahnya.
Dana pihak ketiga yang dihimpun bertumbuh 23% pada tahun
2014. Kenaikan ini dikarenakan meningkatnya volume deposito
secara signifikan.
Selama tahun 2014, Bank Sinarmas terus meningkatkan kualitas
dan kuantitas sumber daya manusia dengan merekrut lebih
dari 1.000 orang karyawan baru dan secara berkesinambungan
mengadakan program - program pelatihan dan pendidikan.
Disamping itu, investasi atas perangkat keras, perangkat
lunak serta peralatan kantor juga terus dilakukan. Investasi -
investasi ini merupakan bagian dari strategi jangka panjang
yang dilakukan Bank Sinarmas untuk meningkatkan daya saing
dalam menghadapi kompetisi di masa mendatang. Namun di
lain sisi, investasi ini mendorong naik beban operasional diluar
beban bunga sebesar 27% dari tahun 2013 dan berdampak
terhadap penurunan laba bersih sebesar 30%.
PELAKSANAANTUGASPENGAWASANKEPADADIREKSISepanjang tahun 2014, Dewan Komisaris melakukan tugas
pengawasan terhadap kebijakan manajemen, mekanisme
kepengurusan dan operasional Bank yang dijalankan oleh
Direksi serta memberikan masukan dan arahan kepada Direksi
mengenai kinerja yang sedang dijalankan. Berdasarkan evaluasi
atas kinerja operasional di tahun pelaporan, Dewan Komisaris
mengamanatkan kepada Direksi untuk terus memperkuat
posisi modal, meningkatkan kualitas dan kompetensi sumber
daya manusia serta memperkuat jaringan dan pengembangan
teknologi informasi. Kami mengarahkan agar Direksi melakukan
berbagai inovasi dengan melihat perkembangan pasar.
Terkait dengan likuiditas, Dewan Komisaris mendorong
manajemen untuk fokus pada pengumpulan dana murah,
dengan tetap memperhatikan likuiditas dan kondisi pasar, serta
Small and Medium Enterprises grew by 69%. This was also
influenced by the vast branch network of Bank Sinarmas that is
spread over 34 provinces and 157 cities in Indonesia. Hence, we
were able to reach our customers easily.
Third Party Funds that were collected grew 23% in 2014. This
increase was due to the significant improvement in volume of
deposits.
Throughout 2014, the Bank continues to improve the quality and
quantity of its human resources as marked by the recruitment
of 1,000 new employees. Moreover, the Bank also continues
to conduct various training and educational programs to
contribute to the improvement of its Human Resources. During
the year, Bank Sinarmas also conducted several investments on
software and hardware aas well as office supplies as a part of
the Bank’s long-term strategy to improve its competitiveness
in facing the dynamics of the future. However, at the same
time, these investments also escalated our operating expenses
outside of the interest expenses amounting to 27% from that
of he previous year, and impacted on the decrease of net
income amounting to 30%.
IMPLEMENTATIONOFSUPERVISORYFUNCTIONONTHEBOARDOFDIRECTORSThroughout 2014, the Board of Commissioners had performed
its supervisory function on management policies and
mechanism, as well as Bank’s operations conducted by the
Board of Directors. Moreover, the Board of Commissioners had
provided inputs and recommendations for the Board of Directors
regarding the performance of Bank Sinarmas. Based on the
evaluation of operational performance in 2014, we advised the
Board of Directors to continue strengthening the Company’s
capital position, improving the quality and competencies of
human resources as well as developing information technology
and network. We directed the Board of Directors to continue
innovating by taking into account the market development.
Pertaining to the liquidity, the Board of Commissioners
encouraged the management of the Bank to focus on low
cost funds gathering, by always taking into account liquidity
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Annual Report 2014 | PT. BANK SINARMAS Tbk. 25
melakukan berbagai upaya untuk memperkuat penghimpunan
dana masyarakat melalui intensifikasi strategi dan pelayanan
yang berkualitas. Terkait pengelolaan risiko, Dewan Komisaris
senantiasa mendorong manajemen untuk semakin intensif
dalam upaya meningkatkan mitigasi risiko melalui Enterprise
Risk Management (ERM) secara terintegrasi, sehingga risiko
yang dihadapi dapat diubah menjadi peluang peningkatan
usaha. Selain itu, Dewan Komisaris juga terus mengawasi
dengan seksama pengelolaan risiko yang dilaksanakan Direksi
dengan dukungan dari komite yang relevan pengelolaan
risiko yang bijak dan melibatkan seluruh risk owner dalam
upaya memitigasi risiko utama, akan menghindarkan Bank
Sinarmas dari kejadian risiko yang fatal dan dapat menjamin
keberlangsungan usaha dalam jangka panjang.
PERANKOMITE-KOMITEDIBAWAHDEWANKOMISARISDalam menjalankan pengawasan yang ketat terhadap
Perseroan, baik dalam hal kinerja keuangan maupun tata kelola
yang baik secara keseluruhan, kami dibantu oleh 4 (empat)
komite yaitu Komite Audit, Komite Pemantau Risiko, Komite
Remunerasi dan Nominasi, serta Komite Good Corporate
Governance.
Selama tahun 2014, keempat komite tersebut telah menjalankan
tugas dengan baik dan telah memberikan kontribusi besar
terhadap pertumbuhan Bank Sinarmas. Implementasi program
kerja serta fungsi masing-masing komite yang tepat, senantiasa
mendukung tugas dan tanggung jawab Dewan Komisaris.
Dibantu oleh keempat komite tersebut, Dewan Komisaris
senantiasa mendorong penerapan standar tata kelola
yang baik secara menyeluruh di semua aktivitas Perseroan
serta memperkuat fungsi - fungsi komite demi mendorong
tercapainya sistem perbankan yang sehat.
TATAKELOLAPERUSAHAANPada tahun 2014, self assessment Good Corporate Governance
(GCG) Bank Sinarmas menunjukkan kinerja yang baik. Hal ini
dapat memberikan nilai positif bagi para pemegang saham dan
pemangku kepentingan. Penerapan tata kelola perusahaan
yang baik oleh Direksi juga tergambar dengan jelas dalam
kegiatan Perseroan yaitu dengan meningkatnya kesadaran
segenap karyawan akan pentingnya nilai-nilai transparansi
and market condition, and strive to improve fund collection
from the public through intensification of strategy and high-
quality service. In managing risks, the Board of Commissioners
constantly encourages the management to be more intensive
in mitigating risks through the integrated Enterprise Wide Risk
Management (EWRM) program in order to transform the risks
faced by the Company into business opportunities. In addition,
we constantly monitor risk management performed by the
Board of Directors with the support of the relevant committees.
With proper management of risks and involvement of all risk
owners in order to mitigate the main risks, Bank Sinarmas will
be able to avoid adverse impact generated from potential risks
and thus, ensuring the sustainability of the Company in the
long-term.
ROLESOFTHECOMMITTEESUNDERTHEBOARDOFCOMMISSIONERSIn implementing a tight supervisory function on the Company’s
operational and financial performance as well as the overall
governance, the Board of Commissioners is assisted by 4
(four) committees namely Audit Committee, Risk Oversight
Committee, Remuneration and Nomination Committee, and
Good Corporate Governance (GCG) Committee.
During 2014, these four committees had performed their
duties and responsibilities commendably, and had provided
significant contribution to the growth of Bank Sinarmas.
Proper implementation of work program and function of each
committee constantly supported duties and responsibilities of
the Board of Commissioners. Moreover, through the assistance
of these four committees, the Board of Commissioners
continues to support the implementation of thorough good
corporate governance in all activities of the Company, while
strengthening the functions of other committees to achieve a
healthy banking procedure in the future.
GOODCORPORATEGOVERNANCEIn 2014, Good Corporate Governance (GCG) self-assessment
of Bank Sinarmas showed excellent performance which
consequently provided positive values for all shareholders and
stakeholders. Implementation of GCG by the Board of Directors
during the year was reflected on the improvement of employees’
awareness on the importance of transparency aspect; thus,
GCG principles of Transparency, Accountability, Responsibility,
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PT. BANK SINARMAS Tbk. | Laporan Tahunan 201426
sehingga prinsip Transparency, Accountability, Responsibility,
Independency, Fairness (TARIF) dapat berjalan dengan semakin
maksimal. GCG telah dibuktikan dengan berkurangnya
pelanggaran yang dilakukan oleh pihak-pihak terkait.
TANGGUNGJAWABSOSIALBANKSINARMAS
Dewan Komisaris mengamanatkan kepada Direksi untuk
meningkatkan kualitas pelaksanaan program tanggung jawab
sosial sehingga pelaksanaannya lebih efisien, terukur, terarah
serta menjangkau pemangku kepentingan sekitar dengan baik.
Bagi Bank Sinarmas, pelaksanaan tanggung jawab sosial
merupakan investasi sosial yang akan memperdalam hubungan
timbal balik dengan masyarakat sehingga pada akhirnya dapat
memberikan dampak peningkatan kinerja dan branding Bank
Sinarmas. Seluruh program tanggung jawab sosial perusahaan
termasuk dalam komitmen Bank Sinarmas untuk menerapkan
prinsip pertanggungjawaban dalam rangka meningkatkan
kualitas GCG dan selalu berupaya menciptakan keselarasan
antara kinerja operasional dan pertumbuhan profit dengan
tanggung jawab sosial perusahaan.
PENGEMBANGANSUMBERDAYAMANUSIADANTEKNOLOGIINFORMASISemua staf dan manajemen Bank Sinarmas memiliki kesamaan
visi dan komitmen untuk menjadi mitra terbaik bagi nasabah.
Untuk itu, berbagai pelatihan untuk meningkatkan kompetensi
masing - masing individu terus dilakukan secara berkala.
Perseroan juga telah menyediakan dana yang diinvestasikan
untuk pelatihan dan pengembangan sumber daya manusia
sesuai dengan Peraturan Bank Indonesia Nomor 31/310/
KEP/DIR 1999. Evaluasi secara berkala juga dilakukan terkait
dengan pengembangan sistem rekrutmen, seleksi, dan on-
boarding, serta menyangkut pembaharuan sistem informasi
yang digunakan dan peningkatan kompetensi para recruiters.
Independency, Fairness (TARIF) can be implemented optimally
in all business activities of the Company. Furthermore, the
function of each GCG instrument showed positive performance
as proven by the low rates of fraud and violation of regulations
in the Bank throughout the year.
CORPORATESOCIALRESPONSIBILITYOFBANKSINARMASWe have mandated the Board of Directors to improve bte
quality of corporate social responsibility (CSR) program of the
Bank through a structured coordination in order to ensure a
more efficient, measured, and directed implementation so as
to be able to reach all stakeholders of the Bank.
For us, the implementation of CSR Activities is a social investment
that will deepen our mutual relationship with the community
which ultimately will impact on the growth of performance and
development of the Comapany’s brands. All CSR programs of
the Bank are included in our commitment to incorporating the
responsibility principle in order to improve the quality of GCG
implementation. Furthermore, we will always strive to create
harmony between the operational performance and profit
growth with our CSR programs.
DEVELOPMENTOFHUMANRESOURCESANDINFORMATIONTECHNOLOGYAll staffs and management of Bank Sinarmas have a common
vision and commitment to be the best partner for our
customers. To that end, a variety of trainings to improve the
competence of each individual continued to be conducted
periodically. The Company had also provided funds invested in
training and development of human resources of the Company
in accordance with the Regulation of Bank Indonesia No.
31/310/KEP/DIR 1999. The evaluation was also conducted at
regular intervals associated with the development of the system
of recruitment, selection, and on-boarding; both related to the
tools used, and to increase the competence of the recruiters.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 27
Selama tahun 2014, Bank Sinarmas terus meningkatkan
kinerja unit kerja information Technology (IT) sehingga dapat
terus mendukung perkembangan Bank yang selanjutnya
meningkatkan daya saing Bank Sinarmas. Teknologi yang
diimplementasikan berfokus pada peningkatan efektivitas dan
efisiensi kerja yang berorientasi pada nasabah. Sebesar 60%
dana hasil Penawaran Umum Terbatas I (PUT I) digunakan
untuk pembelanjaan teknologi informasi. Hal ini dilakukan
untuk mewujudkan cita-cita Perseroan untuk menjadi Bank
terbaik di Indonesia.
PANDANGANDANPROSPEKKEDEPANBerdasarkan data statistik Bank Indonesia, hingga saat ini
jumlah Bank yang ada di Indonesia mencapai 119 Bank. World
Bank juga mencatat bahwa masih ada sekitar 53% masyarakat
Indonesia yang belum tersentuh jasa perbankan. Oleh karena
itu, strategi yang disusun oleh Direksi difokuskan untuk
membidik pasar yang masih besar tersebut dan mencapai
objektif jangka panjang. Dengan mengoptimalkan jaringan
dan sistem yang dimiliki, kami optimis bahwa Bank Sinarmas
dapat menjadi Payment and Transaction Bank yang terkemuka
kedepannya.
Selain itu, melihat peluang pasar yang masih terbuka pada
tahun 2015, prospek yang disusun oleh Direksi untuk tetap
membidik kredit sektor usaha mikro, kecil dan menengah,
akan ditingkatkan. Berbekal pengalaman yang telah dimiliki,
kami yakin Bank Sinarmas mampu menjadi bagian dari
program pemberdayaan rakyat dengan menjadi penyalur kredit
bagi usaha kredit kecil dan menengah (UMKM). Kami yakin
bahwa langkah-langkah konkret dan strategis yang disusun
Direksi akan mampu meningkatkan performa Perseroan dan
membantu pemerintah dalam menekan angka pengangguran.
Kerja keras dan keteguhan dalam memegang prinsip telah
menjadi bukti akan kekuatan Perseroan dalam menghadapi
tantangan hari ini dan masa yang akan datang. Visi dan misi
serta budaya perusahaan merupakan pedoman nyata bagi
Perseroan untuk terus tumbuh dan berkembang menjadi yang
terbaik dalam sektor perbankan Indonesia.
During 2014, we continued to improve the performance of IT
work unit in order to continue supporting the development
of the Bank so as to be able to improve its competitiveness.
Technology that was implemented focused on improving
the effectiveness and efficiency, and customer-oriented
improvement. 60% proceeds from the Rights Issue I (PUT I) are
used for information technology spending. This is performed
to realize the ideals of the Company to be the best bank in
Indonesia.
FUTUREPROSPECTSAccording to the statistical data from Bank Indonesia, total
banks in the country currently reach 119 banks. On the other
hand, World Bank recorded that there are approximately 53%
of the total of Indonesians that are categorized as unbankable
people, meaning that they do not have access to banking
services. Thus, strategies that are compiled by the Board
of Directors shall be focused on targeting the market and
achieving the long-term objective of the Bank. By optimizing
our established network and system. We are optimistic that
Bank Sinarmas will be able to become a leading Payment and
Transaction Bank in the future.
In addition, by taking into account the market opportunities
of 2015 that are wide open, business outlooks compiled by
the Board of Directors will continue prioritizing the sector of
MSMEs that is projected to remain lucrative in the following
years. Supported by our experiences, we are optimistic
that Bank Sinarmas will be able to participate in society
empowerment program by becoming a loan distributor for
the sector of SMEs. The Board of Commissioners believes that
with the proper implementation of the Board of Directors’
strategies, Company’s performance will improve and we can
assist the nation in reducing unemployment rate.
Our hard work and dedication in upholding the principles serve
as the proof of the Company’s strength to face the challenges
at the present and that may arise in the future, Vision, mission
and corporate culture are the actual guidelines for the Bank to
always grow and develop to be the best in Indonesia’s banking
industry.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201428
Jakarta, 24 April 2015 / April 24, 2015
Atas nama Dewan Komisaris / On behalf of the Board of Commissioners,
TjendrawatiWidjajaKomisaris Utama / President Commissioners
PERUBAHANPADAKOMPOSISIDEWANKOMISARISPada Rapat Umum Pemegang Saham Luar Biasa (RUPSLB)
tanggal 13 Juni 2014, telah terjadi perubahahan komposisi
Dewan Komisaris di mana Bapak Rusmin diangkat sebagai
Komisaris Independen menggantikan Bapak Wimpie Rianto
yang telah resmi menyelesaikan masa jabatannya. Semoga
susunan komposisi Dewan Komisaris yang baru dapat
memberikan kontribusi yang maksimal bagi Perseroan. Kami
mengucapkan terima kasih dan menyampaikan apresiasi
yang setinggi-tingginya kepada Bapak Wimpie Rianto atas
kontribusinya kepada Perseroan selama ini.
APRESIASIKami mengucapkan apresiasi yang tinggi kepada Direksi dan
segenap karyawan PT. Bank Sinarmas Tbk., serta seluruh
pemangku kepentingan atas dukungan, dedikasi dan
keberhasilan yang memuaskan sehingga Bank Sinarmas dapat
memberikan yang terbaik kepada pemegang saham, nasabah,
dan masyarakat. Semoga Tuhan yang Maha Pengasih dan
Penyayang selalu memberikan karunia-Nya untuk kita semua.
CHANGESINTHECOMPOSITIONOFTHEBOARDOFCOMMISSIONERSBy virtue of Extraordinary General Meeting of Shareholders
(EGMS), convened on June 13, 2014, there was a change in
the composition of the Board of Commissioners. Mr. Rusmin
was appointed as Independent Commissioner, replacing Mr.
Wimpie Rianto who has completed his term of office. With this
new composition, we, the Board of Commissioners, believe that
we will be able to continue providing optimum contribution
to the Company. We would like to extend our gratitude and
appreciation to Mr. Wimpie Rianto for his dedication and
contribution to the Company during his tenure.
APPRECIATIONSWe would like to appreciate the Board of Directors and all
employees of PT. Bank Sinarmas Tbk., as well as all stakeholders,
for their hard work, dedication and supports so that the Bank
was able to record a satisfying performance in 2014 and
provided best results to all shareholders, customers and public
in general. May God Almighty always bless us all.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 29
TjendrawatiWidjajaKomisaris Utama
President Commissioner
SammyKristamuljanaKomisaris Independen
Independent Commissioner
RusminKomisaris Independen
Independent Commissioner
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201430
LAPORAN DIREKSIBoard of Directors Report
Pertama-tama atas nama Direksi PT. Bank Sinarmas Tbk. kami
mengucapkan puji syukur kepada Tuhan yang Maha Esa atas
berkah dan karunia-Nya sehingga Perseroan dapat melalui
tahun 2014 yang penuh tantangan dengan menorehkan
kinerja yang positif. Bank Sinarmas menunjukkan performa
yang lebih baik daripada ekspektasi pasar industri perbankan
lainnya. Pencapaian ini mencerminkan hasil kerja keras
seluruh manajemen dan karyawan yang telah berfokus pada
peningkatan kinerja dengan hasil yang maksimal.
KINERJA2014Di tengah kondisi ekonomi global yang belum membaik serta
perekonomian nasional yang menantang, ditengarai dengan
likuiditas yang ketat dan suku bunga yang tinggi, Bank
Sinarmas tetap bertahan dengan serangkaian pencapaian yang
membanggakan.
Pada tahun 2014, Bank Sinarmas telah mengungguli ekspektasi
pasar dalam pertumbuhan kredit sebesar 18% dan dalam
pertumbuhan dana pihak ketiga sebesar 10%. Di akhir tahun
2014, kredit dan dana pihak ketiga (DPK) Bank Sinarmas
masing-masing tumbuh sebesar 30% dan 23% dari akhir tahun
sebelumnya.
On behalf of the management of PT. Bank Sinarmas Tbk., we
would like to offer our sincerest gratitude to God Almighty for
His blessings and mercy that the Company is able to overcome
various challenges and dynamics in 2014 by recording positive
and satisfying growth. Bank Sinarmas showed an admirable
performance thorughout the year, exceeded the banking
industry market expectation in the country. This achievement
reflected the hard work of all management and employees that
had been focusing on the optimization of performance during
the year.
2014PERFORMANCEIn spite of the fluctuations of global economy as well as the
challenging situation in the domestic front marked by tight
liquidity and high interest rate, Bank Sinarmas was able to
maintain its performance and even record a series of positive
achievement during 2014.
This year, we had exceeded market expectation in terms of loan
growth by 18% in in third party fund growth by 10%. At the
end of 2014, the growth of loan and third party fund were
recorded at 30% and 23% respectively compared to the same
aspect recorded at the end of 2013.
Para Pemangku Kepentingan yang terhormat,
Respectable Stakeholders,
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 31
FreenyanLiwangDirektur Utama
President Director
By optimizing the Company’s network over 382 established branch offices spread over 34 provinces in Indonesia, Bank Sinarmas expects to transform into Payment and Transaction Bank.
Dengan mengoptimalkan jaringan yang sudah terjalin di 382 kantor cabang yang tersebar di 34 provinsi di Indonesia, kami mengharapkan Bank Sinarmas dapat bertransformasi menjadi Payment and Transaction Bank.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201432
Di tengah ketatnya persaingan industri perbankan Indonesia,
komposisi DPK Bank Sinarmas mengalami perubahan. Pada
tanggal 31 Desember 2014, dana Giro dan Tabungan (CASA)
turun 15%, persentase CASA terhadap total DPK turun dari
65% di tahun 2013 menjadi 50% di tahun 2014. Namun, secara
rata - rata persentase CASA terhadap total DPK hanya turun
0,06% menjadi 62,35% pada tahun 2014 dari sebelumnya
62,41% pada tahun 2013. Dari segi pendapatan, perubahan
komposisi CASA tidak berdampak terhadap pendapatan bunga
bersih Bank yang meningkat secara signifikan sebesar 19,512%
dari Rp826 miliar pada tahun 2013, menjadi Rp988 miliar pada
tahun 2014.
Menanggapi tantangan industri perbankan selama 2014, kami
menerapkan langkah-langkah strategis untuk memperkuat
modal dan memperoleh pertumbuhan yang positif. Perseroan
mengeluarkan saham baru sebesar 10% dari modal
ditempatkan dan disetor penuh melalui Penambahan Modal
Tanpa Hak Memesan Efek Terlebih dahulu (PMTHMETD) dan
memperoleh tambahan modal sekitar Rp354 miliar.
Dilihat dari bursa perdagangan saham pada 2014, saham BSIM
ditutup pada level 339 pada akhir 2014. Volume perdagangan
saham BSIM mencapai 17.003.000 lot saham per 31 Desember
2014.
KINERJAUNITUSAHASYARIAH Pada 2014, Unit Usaha Syariah (UUS) kembali mencatatkan
pertumbuhan yang signifikan. Pendapatan operasional Bank
tumbuh 132,87% dari Rp126,11 miliar pada 2013 menjadi
Rp292,54 miliar pada 2014. Sedangkan DPK tumbuh 128,16%
dari Rp628 miliar pada tahun 2013 menjadi Rp1.432 miliar
pada tahun 2014.
Untuk mendukung kegiatan operasional UUS, dilakukan
perekrutan sumber daya manusia (SDM) sebanyak hampir 400
orang. Jumlah SDM UUS pada tahun 2014 meningkat 68,29%
menjadi 966 karyawan dibandingkan tahun sebelumnya
sebesar 574 karyawan. Perseroan juga menambah jumlah
kantor cabang UUS sebanyak 2 (dua) kantor sehingga sampai
31 Desember 2014, jumlah kantor cabang UUS sebanyak 38
kantor.
Amid the rigidity of banking industry competition in the country,
the composition of third party fund of the Bank changed. As of
December 31, 2014, the value of Current Accounts and Saving
Accounts (CASA) declined by 15% with the percentage of
CASA to third party fund down from 65% in 2013 to 50%
in 2014. However, in average, the percentage of CASA value
to total third party fund decreased slightly by 0.06%, from
62.41% in 2013 to 62.35% in 2014. In terms of income, the
decrease of CASA did not provide significant impact on the
net interest income of the Bank in 2014 which was recorded
to increase by 19.52% from Rp826 billion in 2013 to Rp988
billion.
In overcoming the challenges of banking industry during the
year, we had implemented several strategic steps to strengthen
capital structure in order to obtain positive growth. The
Company issued new shares through Capital Increment without
the issuance of preemptive rights (HMETD) of 10% of the total
issued and fully paid capital and gained approximately Rp354
billion to increase out capital.
Regarding the stock exchange for 2014, share of BSIM
was closed at the level of 339 by year end. The Bank’s stock
transaction volume reached 17,003,000 lot of shares per
December 31, 2014.
PERFORMANCEOFSHARIABUSINESSUNITIn 2014, the Bank’s Sharia Business Unit recorded a significant
growth. Operating revenue of the Bank grew by 132.87%
to be at Rp292.54 billion from that of the 2013 recorded at
Rp126.11 billion. Meanwhile, Third Party Fund increased by
128.16% from Rp628 billion in 2013 to Rp1,432 billion.
To support the operations of Sharia Business Unit, the Bank
increased the quantity of its Human Capital by recruiting
almost 400 people during the year. Thus, total Human Capital
employed in the Sharia Business Unit were 966 employees,
increased by 68.29% from the previous year which was 574
employees. In addition, the Company also added 2 (two) new
branch offices for this business unit; thus, by the end of 2014,
the number of branch offices for the unit amounting to 38
offices.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 33
SUMBERDAYAMANUSIADANTEKNOLOGIINFORMASITahun 2014 menjadi titik tolak yang progresif dari perencanaan,
pengelolaan dan pengembangan human capital untuk
diarahkan pada peningkatan kinerja Bank Sinarmas. Hal ini
tercermin pada pertumbuhan jumlah karyawan Perseroan yang
mencapai 23,45% dengan jumlah karyawan pada akhir tahun
2014 sebanyak 6.421 karyawan.
Seiring dengan transformasi yang dilakukan Perseroan, jumlah
karyawan tersebut akan terus bertambah pada tahun - tahun
mendatang. Namun demikian, Perseroan tidak ingin hanya
menambah karyawan dari sisi kuantitas, tapi juga berusaha
untuk meningkatkan kualitas karyawannya. Oleh karena itu,
serangkaian program pendidikan dan pelatihan di Learning
Center terfokus pada pelaksanaan pelatihan yang bersifat
operasional atau spesifik, sertifikasi, serta pelatihan motivasi
untuk meningkatkan ownership dan accountability karyawan.
Learning Center juga mendukung program penerimaan
karyawan (On-Boarding Program), dengan memberikan
pendidikan melalui fasilitas e-Learning. Pada 2014, Bank
Sinarmas sudah mengivestasikan dana pendidikan sebesar
5,27% dari Biaya Tenaga Kerja, lebih dari yang diwajibkan oleh
Regulator Perbankan.
Menindaklanjuti kerja sama dengan institusi pendidikan di
tahun sebelumnya, Bank Sinarmas menunjukkan komitmen
dengan melakukan pengembangan kerja sama serupa pada
tahun 2014 dengan beberapa institusi pendidikan lainnya.
Saat ini, Bank Sinarmas telah bekerja sama dengan Universitas
Gadjah Mada, Prasetiya Mulya University, Bina Nusantara
University dan Boston School of Banking.
Manajemen menyadari bahwa Teknologi Informasi sangat
berperan besar dalam kegiatan perbankan, baik operasional
maupun non operasional. Dalam rangka mewujudkan cita-cita
perusahaan untuk menjadi Bank terkemuka di Indonesia, Bank
Sinarmas terus melakukan pengembangan Teknologi Informasi
secara berkelanjutan sesuai dengan IT Strategic Plan (ITSP) Bank.
Pada tahun 2014, unit kerja IT Bank Sinarmas telah melakukan
pengembangan-pengembangan sesuai dengan roadmap ITSP
HUMANCAPITALANDINFORMATIONTECHNOLOGYThe year of 2014 served as a progressive turning point for the
Company in terms of planning, management, and development
of its human capital, that was directed for the improvement of
the performance of the Bank. This was reflected on the total
employees of the Company which grew by 23.45% with 6,421
employees recorded at the end of the year.
In line with the transformation conducted by the Company,
amount of employees is projected to grew accordingly in the
following years. Nevertheless, the Company will not increase
only the quantity of employees but also improve their quality.
Thus, various trainings and education are implemented for the
personnel of the Bank through the use of its Learning Center
with the focus on both operational and technical trainings, such
as certifications as well as motivational trainings that aim to
develop the ownership and accountability of all employees. Our
Learning Center will also support the On-Boarding Program,
a recruitment program of the Bank that provided education
through the e-Learning facility. In 2014, Bank Sinarmas had
invested education fund amounting to 5.27% of the total
of Employee Expenses, exceeded the mandatory fund set by
Banking Regulators.
To follow-up our partnership with various educational
institutions that had been established in the past years, Bank
Sinarmas showed its commitment by carrying out similar
programs with other educational institutions in 2014. As of
now, Bank Sinarmas has been partnering with Gadjah Mada
University, Prasetiya Mulya University, Bina Nusantara University,
and Boston School of Banking.
We are aware of the fact that information technology plays an
important role in banking activities, both in terms of operational
and non-operational activities. Hence, in order to actualize the
vision of the Company to be the leading bank in Indonesia,
Bank Sinarmas continues to innovate in the field of information
technology in line with our IT Strategic Plan (ITSP) that had
been drafted beforehand. In 2014, the Bank’s IT work unit
had carried out various developments in accordance with the
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201434
yang berorientasi pada nasabah, seperti mengembangkan dan
meningkatkan fitur e-channel untuk meningkatkan layanan dan
kemudahan bagi nasabah dalam bertransaksi, meningkatkan
layanan dalam kegiatan operasional perbankan Syariah dengan
menyiapkan sistem Customer Service Syariah, mengembangkan
layanan bill payment yang dimiliki dengan terus meningkatkan
kerja sama dengan para biller, mengimplementasikan Sales
Management System, serta membangun ruang monitoring
untuk Network Operation Center (NOC).
Dalam memasuki tahun 2015, Bank Sinarmas telah menyiapkan
rencana strategis terkait teknologi informasi untuk semakin
meningkatkan pelayanan kepada nasabah serta mendukung
kegiatan bisnis dan operasional Bank. Rencana strategis ini
mencakup seluruh aspek yaitu Organisasi dan IT Governance,
Aplikasi, dan Infrastruktur IT.
KOMITE-KOMITEDIBAWAHDIREKSI
Selama tahun 2014, komite di bawah Direksi yang terdiri dari
Asset & Liability Management Committee (ALCO), Komite
Kredit, Komite Teknologi Informasi, Komite Manajemen
Risiko serta Komite Human Capital Management (HCM),
telah menjalankan perannya dengan baik dan bekerja sesuai
dengan tugas dan tanggung jawabnya masing - masing. Setiap
komite secara berkala melakukan pertemuan untuk membahas
program kerja atau melakukan kajian terhadap aturan yang
ada disesuaikan dengan perkembangan kondisi Perseroan.
TATAKELOLAPERUSAHAANYANGBAIKBank Sinarmas selalu berkomitmen untuk mengimplementasikan
prinsip - prinsip good corporate governance (GCG) di semua lini
Perseroan. Terkait hal ini, Perseroan melakukan self assessment
yang menunjukkan penilaian yang lebih baik dari tahun
sebelumnya. Penyempurnaan dalam setiap komponen GCG
akan terus ditingkatkan demi menjaga stabilitas performance
perusahaan. Kami menyadari bahwa terlaksananya prinsip -
prinsip GCG secara konsisten akan memperkuat posisi daya
saing, meningkatkan kinerja serta meningkatkan kepercayaan
shareholders dan stakeholders serta pemangku kepentingan
lainnya.
strategis stated in the ITSP road map that were oriented to the
customers, such as developing and improving e-channel feature
to exted our services and facilitate the customers in transaction
activities; improving services in the Sharia banking operations
through the system of Sharia Customer Service; developing the
established bill payment service by improving partnership with
the billers; implementing Sales Management System; as well
as preparing a space for the monitoring function of Network
Operation Center (NOC).
As we enter 2015, Bank Sinarmas has prepared several
strategic plans related to the information technology system
to be implemented to improve services to all customers as well
as supporting the Bank’s business and operational activties.
These strategic plans encompass all aspect of the Bank such
as Organization and IT Governance, Application, and IT
Infrastructure.
COMMITTEESUNDERTHEBOARDOFDIRECTORSDuring 2014, the committees under the Board of Directors,
namely Asset & Liability Committee (ALCO), Credit Committee,
Information Technology Committee, Risk Management
Committee, and Human Capital Management Committee, had
performed their duties and responsibilites well and efficiently.
Each committee periodically convened in a meeting to discuss
work program or review the established regulations and
GOODCORPORATEGOVERNANCEBank Sinarmas is fully committed to implementing the principles
of good corporate governance (GCG) in all levels and business
activities. To support this commitment, the Company conducts
self-assessment on GCG implementation that show positive
result in each passing year. Improvement in all components of
GCG in the Company will continue to be carried out to maintain
the stability of the Company’s performance. We are aware of
the fact that consistent implementation of GCG principles will
strengthen our competitiveness, improve our performance, and
increase the trusts of all shareholders and stakeholders of the
Company.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 35
TANGGUNGJAWABSOSIALPERUSAHAANBank Sinarmas berkomitmen untuk melaksanakan program
tanggung jawab sosial sesuai dengan butir -- butir ketentuan
Bapepam-LK Nomor: KEP-431/BL/2012 tertanggal 1 Agustus
2012 yang meliputi tanggung jawab sosial dalam bidang
Ketenagakerjaan, Kesehatan dan Keselamatan Kerja,
Lingkungan Hidup, Pengembangan Sosial dan Kemasyarakatan,
serta Tanggung jawab terhadap Nasabah. Pelaksanaan program
tanggung jawab sosial ini juga bertujuan untuk mengaplikasikan
prinsip responsibility atau pertanggungjawaban sesuai
Pedoman Komite Nasional Kebijakan Governance (KNKG).
Bank Sinarmas melangkah maju mengembangkan diri secara
berkesinambungan dengan slogan “We Always Care” yang
merupakan komitmen bersama dari pemegang saham,
pengurus dan karyawan Bank untuk selalu memiliki kepedulian
kepada nasabah, rekan kerja, rekan bisnis dan lingkungan
sehingga Bank Sinarmas dapat mewujudkan visi perusahaan
sebagai Bank Terkemuka di Indonesia juga sebagai good
corporate citizen.
PERISTIWAPENTING2014Manajemen mengapresiasi seluruh kerja keras dan kerja sama
seluruh karyawan sehingga Bank Sinarmas berhasil memperoleh
berbagai prestasi sepanjang 2014, antara lain:
1. Memperoleh Golden Trophy Infobank Awards 2014
sebagai Bank yang berpredikat “Sangat Bagus” atas kinerja
keuangan tahun 2013 selama 5 (lima) tahun berturut -
turut;
2. Sebagai Bank dengan Holding Terbaik dan mendapatkan
Peringkat 4 (empat) dalam Kelompok Bank Go Public
dalam Anugerah Perusahaan Tbk. Indonesia 2014 Economic
Review;
3. Bank BUKU 2 (dua) Peringkat ke 4 (empat) kategori Bank
Go Public dengan modal inti Rp1 Triliun - Rp5 Triliun dalam
Anugerah Perbankan Indonesia 2014; dan
4. Pemenang ke 3 (III) Kategori Akses Keuangan dalam
Kompetisi Inkuliusi Keuangan (Koinku) Otoritas Jasa
Keuangan.
CORPORATESOCIALRESPONSIBILITYBank Sinarmas is fully committed to implementing Corporate
Social Responsibility (CSR) programs in accordance with
the stipulations og Bapepam-LK Number: KEP-431/BL/2012
dated August 1, 2012, which covers social responsibility in
Manpower, Occupational Health and Safety, Environment,
Social and Community Development, as well as Responsibility
to Customers. The implementation of CSR programs is also
intended to apply the principle of responsibility in line with
the Guidelines of the National Committee on Corporate
Governance (KNKG).
Bank Sinarmas continues to develop its operations and business
as marked with our slogan of “We Always Care ” which serves
as the commitment of all shareholders, management, and
employees of the Bank. With this slogan, we aim to always
prioritize the needs of customers, colleagues, partners and
environment in which we operate, so that Bank Sinarmas will
be able to realize the vision of becoming the Leading Bank as
well as the good corporate citizen in Indonesia.
SIGNIFICANTEVENTSIN2014The management appreciates all hard work and cooperations of
all employees in recording satisfying achievements throughout
the 2014, such as:
1. Obtaining the Golden Trophy Infobank Awards of 2014 as
a Bank with the predicate of “Excellent” for the financial
performance of 2013, for 5 (five) years respectively;
2. The Bank with the Best Holding as well as obtaining the 4th
position in the 104 Indonesia’s Public Company Awards in
the category of “Go Public Bank” from Economic Review;
3. An award in Bank BUKU 2 (two) and 4th position in the
category of “Go Public Bank of core capital amounting to
Rp1 trillion - Rp5 trillion” in the 2014 Indonesia’s Bnking
Awards; and
4. Second Runner-up of the Financial Inclusion Competition
(KOINKU) in the Category of Financial Access from the
Financial Services Authority
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201436
Semoga prestasi yang berhasil diraih selama 2014 dapat
menambah semangat untuk meraih kinerja yang lebih baik di
tahun-tahun mendatang.
PERUBAHANKOMPOSISIANGGOTADIREKSI
Hingga 31 Desember 2014, Perseroan tidak melakukan
perubahan atas komposisi keanggotaan Direksi. Namun,
Perseroan melakukan penambahan 2 (dua) anggota Direksi
dengan mengangkat Bapak Soejanto Soetjijo dan Bapak
Frenky Tirtowijoyo Susilo sebagai Direktur dalam Rapat Umum
Pemegang Saham Luar Biasa (RUPSLB) pada 24 Maret 2015.
Penambahan komposisi Direksi bertujuan untuk mendukung
perkembangan Bank dimasa mendatang dan agar lebih fokus
pada pencapaian startegi serta penguatan dibidang operasional
dan teknologi informasi dalam upaya mewujudkan objektif
jangka panjang Bank yaitu menjadi “Payment & Transaction
Bank”.
Direksi mengucapkan selamat datang dan berharap dengan
kehadiran Bapak Soejanto Soetjijo dan Bapak Frenky Tirtowijoyo
Susilo, Perseroan optimis dapat semakin berkembang pada
masa mendatang.
PROSPEKUSAHAPeranan perbankan sangat penting dalam menunjang kegiatan
dan pertumbuhan perekonomian baik lokal, regional maupun
global. Tuntutan dinamika perbankan untuk meningkatkan
pelayanan disebabkan masih banyaknya masyarakat Indonesia
yang belum tersentuh oleh jasa layanan perbankan (unbankable
people). Hasil survei World Bank pada tahun 2010 mencatat
terdapat sekitar 47% dari total masyarakat Indonesia yang
merupakan penabung di lembaga keuangan formal. Kondisi
akses keuangan di Indonesia ini relatif lebih rendah bila
dibandingkan dengan akses keuangan di negara lain di Asia,
seperti Singapura (95%), Korea (65%), Malaysia, Thailand dan
Sri Lanka (masing - masing 60%).
With all achievements obtained throughout 2014, we hope
to improve our spirit in order to perform much better in the
upcoming years.
CHANGESINTHECOMPOSITIONOFBOARDOFDIRECTORSAs of the end of December 31, 2014, there was no changes to the
composition of Board of Directors. However, in the beginning of
2015, the Company appointed 2 (two) new directors, Soejanto
Soetjijo as Retail Banking Director and Frenky Tirtowijoyo Susilo
as Operations and Information Technology Director through
the Extraordinary General Meeting of Shareholders (EGMS)
on March 24, 2015. This appointment has been approved on
April 1, 2015. The addition in the composition of Board of
Directors aims to support the development of the Bank in the
future so as to be more focused on achieving effective strategy
implementation as well as strengthening the Bank in terms of
operations and information technology in order to actualize the
long-term objective of the Bank which is to become a “Payment
& Transaction Bank”.
All members of the Board of Directors welcomes Mr. Soetjijo
and Mr. Susilo. With this addition, we are optimistic that the
Company will grow more positively in the future.
BUSINESSOUTLOOKSBanking industry plays an important role in supporting the
growth and activities of both national and global economy. The
fact that a staggering amount of people still have no access to
banking service (unbankable people) even in this modern era,
encourages the Bank to improve and continue innovating in
its services and products. According to the survey conducted
by World Bank in 2010, there were only 47% of the total of
Indonesian people that used bank service and performed saving
transactions with formal banking institutions. This condition of
the counry is relatively lower compared with other financial
access in Asian countries such as Singapore (95%), Korea
(65%), Malaysia (60%), Thailand (60%) and Sri Lanka (60%).
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 37
Tingginya persentase unbankable people di Indonesia
menciptakan peluang tersendiri bagi Bank Sinarmas, yang
memiliki jaringan kantor tersebar di seluruh Indonesia, untuk
meningkatkan kesadaran masyarakat akan layanan dan jasa
perbankan melalui program-program edukasi masyarakat.
Bank Sinarmas juga berpartisipasi dan mendukung penuh
program Otoritas Jasa Keuangan (OJK) untuk memperluas
akses masyarakat atas layanan keuangan melalui program
Layanan Keuangan Tanpa Kantor Dalam Rangka Keuangan
Inklusif (LAKU PANDAI).
Ke depannya, untuk menghadapi persaingan industri perbankan
di Indonesia, perlu adanya sebuah transformasi ke dalam
sebuah sistem yang berkelanjutan. Dengan mengoptimalkan
jaringan yang sudah terjalin di 382 kantor yang tersebar di
34 provinsi di Indonesia, kami mengharapkan Bank Sinarmas
dapat menjadi Payment and Transaction Bank dan di saat
bersamaan mensukseskan program OJK dan Pemerintah untuk
meningkatkan financial inclusion di Indonesia.
Untuk menggapai cita-cita ini, Perseroan telah mempersiapkan
diri dengan terus meningkatkan pelayanan kepada nasabah,
antara lain layanan 24 jam tarik tunai di ATM mana saja
seluruh Indonesia, layanan satu kartu yang terintegrasi dengan
seluruh master payment, bekerja sama dengan Payment Point
Online Bank (PPOB), meningkatkan engagement dengan SiMas
Community, memaksimalkan layanan e-banking serta mobile
banking SiMobi dan SiMobi Plus melalui mobile phone dengan
cepat, nyaman, dan aman.
The high percentage of unbankable people in Indonesia poses
its own opportunity for Bank Sinarmas, with office network
spread all across Indonesia, which is to participate in improving
public awareness on banking products and services through
public education program. Bank Sinarmas also participates
in and fully supports one of the programs from the Financial
Services Authority (OJK) namely Layanan Keuangan Tanpa
Kantor Dalam Rangka Keuangan Inklusif (LAKU PANDAI) or
Branchless Financial Services in the Framework of Inclusive
Finance. This programs aims to expand public access over
financial service in Indonesia.
Hence, in the future, as an effort to overcome the challenges
of banking industry in Indonesia, transformation into a more
sustainable system Is needed. By optimizing the Company’s
network over 382 established branch offices spread over 34
provinces in Indonesia, we expect to be able to change our
status to be a Payment and Transaction Bank and at the same
time shall be able to provide help in succeeding the program
of OJK and government to improve financial inclusion in the
country.
To accomplish this vision, the Company has ben preparing itself
by continuously improving service quality to the customers, such
as by providing 24-hour ATM services in almost all locations in
Indonesia, providing one transaction card that is integrated into
all master payment service, cooperating with Payment Point
Onlne Bank (PPOB) in the country, and optimizing e-banking
service as well as mobile banking (SiMobi and SiMobi Plus)
service through mobile phones that may provide quick, safe
and comfortable transaction activities.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201438
3.SalisTeguhHartono Direktur Kepatuhan Compliance Director
8.HeruAgusWuryanto Direktur Unit Usaha Syariah Director of Sharia Business Unit
1.SoejantoSoetjijo Direktur Retail Banking Retail Banking Director
2.Halim Direktur Liabilitas dan Bisnis Liabilities & Business Director
5.LoaJohnnyMailoa Direktur Enterprise Banking Director of Enterprise Banking
4.FreenyanLiwang Direktur Utama President Director
7.HanafiHimawan Direktur Risk Management dan Human Capital Risk Management and Human Capital Director
6.FrenkyT.Susilo Direktur Operasional dan Teknologi Informatika Operational & Information Technology Director
1 52 63 74 8
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 39
PENUTUPSebagai penutup, atas nama Direksi Bank, kami menyampaikan
rasa terima kasih dan penghargaan kepada para pemangku
kepentingan atas kepercayaan dan dukungan yang telah
diberikan kepada kami, kepada Dewan Komisaris yang
senantiasa memberikan pengarahan dan bimbingan, serta
para pelanggan dan mitra usaha Perseroan atas kerja sama
dan dukungannya. Kepada seluruh karyawan atas kerja keras,
dedikasi, dan kontribusinya kepada Perseroan sehingga pada
tahun 2014 ini dapat meraih kinerja yang positif. Kami semakin
optimis bahwa berbagai usaha yang telah kita rangkai bersama
ini akan dapat meningkatkan kemampuan Perseroan dalam
mengantisipasi tantangan di masa yang akan datang.
CLOSINGThe Board of Directors would like to extend our gratitude and
appreciation to the stakeholders for the trusts, and to the
customers as well as business partners for the cooperation
and support given to us in 2014. We would also like to thank
the Board of Commissioners for the directions, advice and
recomendations given to the management during the year.
Our utmost appreciation is extended to the employees for
their hard work, dedication and contribution to the Bank so
that we were able to perform satisfactorily and record another
positive achievement throughout the year. We are optimistic
that with the sustainable partnership built upon trusts and hard
work, Bank Sinarmas will be able to achieve higher business
performance and triumph over all challenges in the future.
Jakarta, 24 April 2015 / April 24, 2015
Atas nama Direksi / On behalf of the Board of Directors,
FreenyanLiwangDirektur Utama / President Director
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201440
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 41
ProfilPerusahaanCompany Profile
03
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201442
IDENTITAS PERUSAHAANCorporate Identity
NamaPerusahaan/Company’sName: PT. Bank Sinarmas Tbk.
Tanggal PendirianDate of Establishment 18 Agustus 1989 / August 18, 1989
Bidang UsahaLine of Business Perbankan / Banking Business
AlamatAddress
Sinar Mas Land Plaza Tower I, 1st & 2nd FloorJl. MH. Thamrin No. 51, Jakarta 10350
TeleponPhone (021) 31990101
FaksimiliFacsimile (021) 31990401
Website www.banksinarmas.com
Email [email protected]
Kode SahamTicker Code BSIM
Swift Code SBJKIDJA
Telex 67171 SHINPS IA
I-Telex 867171
Status BankBank Status Bank Devisa / Foreign Exchange Bank
Modal DasarAuthorized Capital Rp2.000.000.000.000 (per Desember 2014 / as of December 2014)
Modal Ditempatkan dan Disetor PenuhIssued and Fully Paid-in Capital
Rp1.404.016.834.900 (per Desember 2014 / as of December 2014)
Akta PerusahaanDeed of the Company
Didirikan pada 1989 berdasarkan Akta no. 52 tanggal 18 Agustus 1989 yang dibuat di hadapan Buniarti Tjandra, SH., Notaris di Jakarta, yang telah diumumkan dalam Berita Negara Republik Indonesia tertanggal 21 Oktober 1989 Nomor 1506/1989. Diubah dengan Akta No. 31 Tanggal 6 April 2010 yang dibuat dihadapan Aulia Thaufani, SH Pengganti Sutjipto, SH, Notaris di Jakarta dan telah mendapat pengesahan dari Menteri Hukum dan Hak Asasi Manusia No.AHU-22745.AH.01.01 Tahun 2010 tanggal 4 Mei 2010 sebagaimana diubah terakhir melalui Akta No.148 tanggal 25 Agustus 2010 dibuat dihadapan Aulia Thaufani, SH Pengganti Sutjipto, SH, Notaris di Jakarta dan telah mendapat Penerimaan Pemberitahuan Perubahan dari Kementerian Hukum dan Hak Asasi Manusia No. AHU-AH.01.10-23976 tanggal 22 September 2010. Akta Pernyataan Keputusan Rapat No. 71 tertanggal 23 Desember 2011 yang dibuat dihadapan Andalia Farida, SH, Notaris di Jakarta yang telah mendapat persetujuan dari Menteri Hukum dan Hak Asasi Manusia Nomor: AHU-AH.01.10-10748 tertanggal 28 Maret 2012; Akta Pernyataan Keputusan Rapat No. 32 tertanggal 10 Juni 2013 yang dibuat oleh Aryanti Artisari, S.H., M.Kn., Notaris di Jakarta yang telah mendapat persetujuan dari dari Menteri Hukum dan Hak Asasi Manusia Nomor: AHU-AH.01.10-50668 tertanggal 25 November 2013; Akta Pernyataan Keputusan Rapat No.46 tertanggal 13 Juni 2014 yang dibuat oleh Aryanti Artisari, S.H.,M.Kn., Notaris di Jakarta yang telah mendapat persetujuan dari Menteri Hukum dan Hak Asasi Manusia Nomor: AHU-18386.40.22.2014 tertanggal 8 Juli 2014;sebagaimana diubah dalam Akta No. 81 tentang Berita Acara Rapat tertanggal 24 Maret 2015 yang dibuat oleh Aryanti Artisari, S.H.,M.Kn., Notaris di Jakarta.
Deed of Meeting’s Resolution No. 71 dated December 23, 2011, prepared and presented before Andalia Farida, SH, Notary in Jakarta, which have obtianed approval from the Minister of Justive and Human Rights Number: AHU-AH.01.10-10748 dated MArch 28, 2012; Deed of Meeting’s Resoultion No. 32 dated June 10, 2013, prepared and presented before Aryanti Artisari S.H., M.Kn., Notary in Jakarta, which have obtained approval from the Minister of Justice and Human Rights Number: AHU-AH.01.10-50668 dated November 25, 2013; Deed oF Meeting’s Resolution No. 46 dated June 13, 2014, prepared and presented before Aryanti Artisari,S.H.,M.Kn., Notary in Jakarta, which have gained approval from the Minister of Justice and Human Rights Number: AHU-18386.40.22.2014 dated July 8, 2014; as amended on the Deed No. 81 on the Minutes of Meeting dated March 24, 2015, prepared and presented before Aryanti Artisari, S.H.,M.Kn., Notary in Jakarta. Established in 1989 pursuant to the Deed no. 52 dated August 18, 1989, prepared and presented before Buniarti Tjandra, SH., Notary in Jakarta, and had been informed of the State Gazette of the Republic of Indonesia on October 21, 1989, Number 1506/1989. Amended with the Deed No. 31 Dated April 6, 2010, prepared and presented before Aulia Thaufani SH, replacement of Sutjipto, SH, Notary in Jakarta and had gained approval from the Minister of Justice and Human Rights No.AHU-22745.AH.01.01 year 2010 dated May 4, 2010, as recently amended through the Deed No.148 dated August 25, 2010, prepared and presented before Aulia Thaufani SH, replacement of Sutjipto, SH, Notary in Jakarta and had received Approval for Change from the Ministry of Justice and Human Rights No. AHU-AH.01.10-23976 dated September 22,2010.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 43
IDENTITAS PERUSAHAANCorporate Identity
Pada 2005, PT. Sinar Mas Multiartha Tbk yang
merupakan kelompok Financial Services di bawah Kelompok
Usaha Sinar Mas mengambil alih PT. Bank Shinta Indonesia. PT.
Bank Shinta Indonesia yang didirikan pada 1989 mengalami
perubahan nama menjadi Bank Sinarmas pada Desember
2006. Bank Sinarmas melakukan pengembangan bisnis dengan
membuka kantor cabang pertama di Bandung. Pada 2007,
Perseroan telah memiliki 40 kantor cabang baru serta 88 unit
ATM di seluruh Indonesia.
Pada 13 Desember 2010, Bank Sinarmas memeroleh pernyataan
efektif dari Badan Pengawas Pasar Modal dan Lembaga
Keuangan (Bapepam-LK, fungsinya sekarang dialihkan ke
Otoritas Jasa Keuangan - OJK, sejak Januari 2013) untuk
melakukan Penawaran Saham Umum Perdana (Initial Public
Offering/IPO). Bank Sinarmas memberikan kesempatan kepada
masyarakat untuk memiliki saham-saham yang sebelumnya
dimiliki dan dikelola oleh perusahaan. Perseroan mencatatkan
saham perdana di Bursa Efek Indonesia dengan meningkatkan
struktur permodalan sebesar Rp160 miliar dari sebelumnya
Rp568 miliar menjadi Rp728 miliar.
Minat masyarakat untuk menanamkan sahamnya di Bank
Sinarmas semakin meningkat setiap tahunnya. Hal ini didorong
oleh pertumbuhan usaha yang semakin maju. Pencapaian
In 2005, PT. Sinarmas Multi Artha Tbk which is a group of
Financial Services under Sinar Mas Business Group acquired PT.
Bank Shinta Indonesia. Thus, PT. Bank Shinta Indonesia which
was established in 1989 changed its name to Bank Sinarmas in
December 2006. In its development, Bank Sinarmas expanded
its business by opening the first branch office in Bandung.
As of 2007, the Bank owned 40 new branch offices and 88
Automatic Teller Machine (ATM) units spread across Indonesia.
On December 13, 2010, Bank Sinarmas obtained an effective
statement from the Capital Market Supervisory Agency and
Financial Institutions (Bapepam-LK; since January 2013 its
functions had been transferred to Financial Services Authority/
OJK) to execute an Initial Public Offering (IPO). Hence, Bank
Sinarmas offered an opportunity for the public to purchase the
shares of the Bank which were previously independently owned
and managed by the Bank. The Company listed its shares on
Indonesia Stock Exchange (IDX) with an increase in capital
structure of Rp160 billion, from Rp568 billion to Rp728 billion.
Society’s interest to invest in Bank Sinarmas continued to grow
due to the progress of the Bank over the year. Total assets of
the Bank as of December 2010 reached Rp11.2 trillion while
Bank Sinarmas berkomitmen untuk senantiasa memperluas pangsa pasar di tengah tantangan global yang penuh dengan ketidakpastian.
Bank Sinarmas is committed to always expanding its market share amid the dynamics and fluctuation of global challenges.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201444
total aset pada akhir Desember 2010 sebesar Rp11,2 triliun
dan bertambahnya kantor cabang Perusahaan menjadi
110 lokasi di seluruh Indonesia menjadi daya tarik tarik
masyarakat untuk menanamkan saham di Bank Sinarmas.
Dalam rangka memenuhi ketentuan OJK dalam keterbukaan
informasi, Bank Sinarmas menggunakan sistem real time on-
line dalam teknologi informasi perbankannya.
Bank Sinarmas berkomitmen untuk senantiasa memperluas
pangsa pasar di tengah tantangan global yang penuh dengan
ketidakpastian. Usaha dan inisiatif untuk memperluas pangsa
pasar sangat diperlukan guna memenuhi segala kebutuhan
nasabah dan masyarakat Indonesia. Kegiatan usaha yang
semula hanya pada pasar pembiayaan usaha kecil, menengah
dan mikro, kini tumbuh dan berkembang menjadi usaha
pembiayaan konsumen dan komersial.
Penggunaaan teknologi informasi di industri perbankan
dipastikan akan semakin maju seiring perkembangan
teknologi informasi itu sendiri. Oleh karena itu, Bank Sinarmas
memberikan fasilitas teknologi perbankan terintegrasi yang
tidak terbatas ruang dan waktu yakni Telephone Banking,
Internet Banking, dan Automatic Teller Machine (ATM). Dengan
berkembangnya teknologi dari waktu ke waktu, Bank Sinarmas
senantiasa mengembangkan dan meningkatkan kualitas di
bidang teknologi informasi.
Memberikan layanan yang terbaik dan selalu menjaga
kepercayaan yang diberikan para nasabah menjadi komitmen
yang selalu kami jaga dengan baik. Semua staf dan manajemen
Bank Sinarmas memiliki kesamaan visi, misi dan komitmen
untuk menjadi mitra terbaik untuk perusahaan.
Tepat pada 18 Agustus 2014, Bank Sinarmas memasuki tahun
perak: 25 tahun melayani Indonesia. Dengan komitmen yang
tinggi dari jajaran manajemen dan seluruh karyawan, Perseroan
mampu bertahan di tengah persaingan bisnis yang sangat
ketat. Melalui slogan “Solusi Perbankan Anda”, Serve and
Respect, dan We Always Care, kami senantiasa melayani dan
memenuhi kebutuhan nasabah dengan senang hati. Kami akan
terus berinovasi demi memenuhi kebutuhan masyarakat.
the Bank’s branches grew up to 1100 offices spread over the
country. These improvement certainly attracted the interest of
the public to continue investing with and owning the shares of
the Bank. In an effort to fulfill the regulation of OJK regarding
information transparency, Bank Sinarmas utilizes real time on-
line system in its banking information technology.
Bank Sinarmas is committed to always expanding its market
share amid the dynamics and fluctuation of global challenges.
Business and initiatives of the Bank to develop its market share
are required to fulfill the needs of customers and the public in
general. The Bank’s business lines which initially engaged in the
financing of micro, small and medium enterprises expanded to
the business of consumers and commercial financing.
The use of information technology in banking industry
will positively advance banking industry in line with the
development of information technology itself. Hence, Bank
Sinarmas provided an integrated banking technology facility
that is unlimited in terms of space and time, namely Telephone
Banking, Internet Banking, and Automatic Teller Machine
(ATM). In accordance with the development of technology
over the years, Bank Sinarmas also constantly developed and
improved its information technology system quality.
We are committed to always providing the best services and
maintaining customer’s trusts in all of our business activities.
Every staff and management of Bank Sinarmas is in alignment
with the Bank’s vision, mission and commitment to be the best
business partners for companies.
Exactly on August 18, 2014, Bank Sinarmas celebrated its
silver jubilee of servicing Indonesia for 25 years in terms of
banking business. With full commitment of all management
levels and employees, the Company will be able to maintain its
performance amid the tight business competition. Through our
motto of “Solusi Perbankan Anda” (“your Banking Solution”),
Serve and Respect, and We Always Care, we shall continuously
serve and fulfill the needs of our customers as well as providing
innovations of our products and services with pleasure.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 45
“ “VISI DAN MISIVision and Mission
Visi
Misi
Vision
Mission
Menjadi Bank terkemuka di Indonesia dengan jaringan distribusi yang terintegrasi dan layanan yang prima.
To become the leading bank with complete distribution network and
excellent services
1. Memperluas jaringan kantor
untuk penetrasi pasar dan
pembiayaan pada sentra-sentra
konsumer, UKM dan sektor
usaha skala korporasi.
2. Memperluas basis nasabah,
mulai dari nasabah kecil hingga
korporasi, melalui kerja sama
dengan lembaga keuangan
maupun mitra usaha lainnya.
3. Meningkatkan kemampuan
Teknologi Informasi dan Sumber
Daya Manusia dalam rangka
memberikan layanan terbaik
melalui payment system yang
lengkap.
4. Membudayakan sistem
Manajemen Risiko sesuai
dengan prinsip kehati-
hatian dan Good Corporate
Government (GCG).
Dewan Komisaris beserta Direksi telah bersama-sama
membahas, mengkaji dan menyetujui Visi dan Misi secara
mendalam dan telah berkomitmen dalam melaksanakan hal
tersebut guna menghadapi dinamika bisnis perbankan yang
selalu berubah.
The Board of Commissioners and Board of Directors have
discussed, reviewd and approved the Vision and Mission of
the Bank and have committed to impelmenting the vision and
mission to face the dynamics of banking industry.
1. Expanding the branch network
to penetrate the market and
funding at the centers of
the SME and corporate scale
business sector.
2. Expanding the customer base,
ranging from small to corporate
customers, through cooperation
with financial institutions and
other business partners.
3. Improving the ability of
Information Technology and
Human Resources in order to
provide the best service through
complete payment system.
4. Civilize Risk Management
system in accordance with the
principles of prudence and good
corporate governance.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201446
BIDANG USAHABusiness Lines
Bank Sinarmas terus berkembang dan senantiasa melakukan
pembaruan dan terobosan demi memberikan pelayanan yang
maksimal kepada nasabah. Sebagai wujud atas kepercayaan
tersebut, Bank Sinarmas terus berdedikasi bagi masyarakat
dengan mengeluarkan produk-produk inovatif yang dapat
dinikmati oleh masyarakat setia perbankan, melalui produk-
produk berkualitas, bermutu dan bertaraf internasional.
Dalam menjalankan usahanya, Perseroan menghimpun
dana masyarakat yang kemudian disalurkan dalam bentuk
pemberian kredit kepada perorangan maupun korporasi.
Selain itu, Perseroan juga melaksanakan transaksi antar
bank serta kegiatan-kegiatan investasi melalui penempatan
pada instrumen-instrumen yang aman dan menguntungkan.
Berdasarkan Anggaran Dasar Perusahaan, secara garis besar
kegiatan usaha Perseroan dapat dikelompokkan sebagai
berikut:
1. KegiatanPerkreditan
Sesuai dengan bisnis inti (core business) yang dimiliki
oleh Perseroan, fokus kegiatan usaha pemberian kredit
yang dilakukan oleh Perseroan berupa pemberian kredit
korporasi dan pemberian kredit non korporasi (kredit
retail). Dalam rangka meningkatkan komposisi kredit
dengan marjin (high yield), maka Perseroan juga akan
meningkatkan portofolio kredit non korporasi yang lebih
besar di segmen kredit retail, baik secara langsung maupun
melalui lembaga-lembaga lain yaitu lembaga keuangan
BPR), koperasi serta perusahaan pembiayaan (multifinance)
dengan pola pembiayaan secara channeling.
Adapun fasilitas-fasilitas kredit yang ditawarkan oleh
Perseroan kepada nasabah perusahaan, meliputi fasilitas
kredit modal kerja jangka pendek dan kredit jangka
panjang atau investasi, kredit back to back, kredit sindikasi/
club deal serta fasilitas non cash loan seperti bank garansi
dan Letters of Credit.
Target utama penyaluran kredit Perseroan adalah nasabah
potensial yang berorientasi ekspor atau industri lain
yang sedang mengembangkan bisnis baru di wilayah
kantong-kantong bisnis yang potensial. Pemberian kredit
difokuskan pada sektor perdagangan, perkebunan kelapa
Bank Sinarmas continues to develop and conduct innovation
and breakthrough in order to provide optimum service to the
customers. As a form of this commitment, Bank Sinarmas
dedicates itself to the welfare of society by launching new
products and innovations with high quality and of international
standards for all banking stakeholders in the country.
In conducting its business, the Company collects fund from the
public to be distributed in the form of loans to both individuals
and corporations. In addition, the Company also conducts
interbank transaction activities and other investment activities
through placements of fund on various safe and beneficial
instruments. Based on the Articles of Association of the
Company, Bank Sinarmas business activities are categorized as
follows:
1. Credit(lending)Activities
In accordance with the core business of the Company, credit
activities that become the main focus of the Company is
credit provision for corporations and credit provision for
non-corporations (retail credit). In an effort to improve
marginal credit composition (high yield), the Company also
develops its non-corporation credit portfolio in retail credit
segment, either directly or through other institutions such
as financial institutions (BPR), cooperatives and multifinance
companies with channeling financing method.
Credit facilities offered by the Company to the customers
cover the short-term and long-term (investment) working
capital loans, back to back loan, syndicate loans/club deal,
and non-cash loan facilities such as bank guarantee and
Letters of Credit.
The main target of loan disbursement of the Company
is customers engaged in the exporting business or other
industries that currently expanding new business in
potential sectors. Loan disbursement is focused on the
sectors of trading, oil palm plantations, mining and energy,
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 47
telecommunication and transportation that are related to
the suppliers, contractors, and subcontractors that support
the corporate customers. Moreover, the Company also
focuses it loan expansion to the customers of high yield.
The following table shows loan disbursed based on economy
sector.
For short-term working capital loans, the Company provides
credit mainly for the operational costs of the customers. The
Company provided credit in the currency of Rupiah and US
Dollar with the period of 1 (one) year. This facility can be
extended based on the agreement of both parties. Floating
interest rate applies to this type of credit.
sawit, pertambangan dan energi, telekomunikasi serta
transportasi yang terkait dengan pemasok, kontraktor
dan subkontraktor yang mendukung nasabah korporasi.
Selain itu, Perseroan memfokuskan ekspansi kredit kepada
nasabah yang memberikan timbal hasil tinggi (high yield).
Berikut tabel kredit yang diberikan berdasarkan sektor
ekonomi.
No Keterangan/Description 2012 2013 2014
1 Rumah tangga / Household 2.792.192 2.775.058 3.301.612
2 Perdagangan besar dan eceran / Wholesalers and retail 1.878.906 2.193.249 3.140.302
3 Perantara keuangan / Financial intermediary 770.428 885.485 1.549.650
4 Real estate, usaha persewaan, dan jasa perusahaan / Real estate, leasing business, and company service 553.992 1.014.499 982.577
5 Industri pengolahan / Manufacturing 1.753.800 1.301.116 1.847.314
6 Pertambangan dan penggalian / Mining and excavation 507.234 698.638 419.615
7 Transportasi, pergudangan, dan komunikasi / Transportation, warehousing, and communication 281.263 325.244 395.499
8Jasa kemasyarakatan, sosial budaya, hiburan, dan jasa perorangan lainnya / Social service, social culture, entertatainment and other individual services
253.794 419.045 552.437
9 Konstruksi / Construction 262.589 256.393 835.785
10 Penyediaan akomodasi dan penyediaan makan minum / Accommodation and food & beverage supply 141.996 51.816 77.469
11 Pertanian, perburuan, dan kehutanan / Agriculture, hunting, and forestry 56.397 267.392 603.477
12 Listrik, air, dan gas / Electricity, water, and gas 37.328 19.813 3
13 Jasa pendidikan / Educational services 63.069 28.286 18.373
14 Perikanan / Fishery 11.005 16.023 15.264
15 Jasa kesehatan dan kegiatan sosial / Health service and social activities 2.605 881 813
16 Jasa perorangan yang melayani rumah tangga / individual services for households - 120 229
17 Lain-lain / Others 1.019.486 713.013 558.016
TOTAL 10.386.084 10.966.071 14.298.435
Untuk kredit modal kerja jangka pendek, Perseroan
memberikan kredit terutama untuk kebutuhan biaya
operasional nasabah. Perseroan memberikan kredit dalam
mata uang Rupiah dan Dollar Amerika Serikat dengan
jangka waktu 1 (satu) tahun dan pemberian fasilitas
tersebut dapat diperpanjang berdasarkan persetujuan
dari kedua belah pihak. Jenis kredit ini umumnya memiliki
tingkat suku bunga mengambang.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201448
The following table shows loans distributed based on
maturity period.
In terms long-term credit, the Company provided credit
for the purchase of capital goods and project financing.
This facility is offered in the currency of Rupiah and US
Dollar with the period between 3 (three) to 7 (seven) years.
Furthermore, the Bank offered more competitive floating
interest rates for this facility compared with other banks in
the country.
The following table describes credit distributed by the
Company based on types of usage.
In providing credit, the Company established a scheme for
credit approval process as follows:
Berikut tabel kredit yang diberikan berdasarkan sisa umur
jatuh tempo.
NoKeteranganDescription
2012 2013 2014
O/S % O/S % O/S %
1 < 1 tahun / < 1 year 5.131.105 49,40 4.885.034 44,55 6.598.872 46,15
2 > 1 - 2 tahun / > 1 - 2 years 2.009.219 19,35 1.869.105 17,04 2.753.796 19,26
3 > 2 - 5 tahun / > 2 - 5 years 2.986.859 28,76 3.744.211 34,14 3.786.847 26,48
4 > 5 tahun / > 5 years 258.901 2,49 467.721 4,27 1.158.920 8,11
TOTAL 10.386.084 100 10.966.071 100 14.298.435 100
Untuk kredit jangka panjang, Perseroan menyediakan
kredit untuk pembelanjaan barang modal dan pembiayaan
proyek, Kredit jangka panjang ini diberikan dalam mata
uang Rupiah dan Dollar Amerika Serikat, dan umumnya
berjangka waktu antara 3 (tiga) sampai 7 (tujuh) tahun
serta memiliki tingkat suku bunga mengambang pada
tingkat yang kompetitif dibandingkan bank lainnya di
Indonesia.
Berikut adalah tabel yang menggambarkan
kredit yang diberikan Perseroan berdasarkan jenis
penggunaan:
NoKeteranganDescription
2012 2013 2014
O/S % O/S % O/S %
1 Modal kerja / Working capital 5.084.564 48,96 5.757.863 52,51 8.276.693 57,89
2 Investasi / investment 1.504.058 14,48 1.755.573 16,01 2.705.890 18,92
3 Konsumsi / consumption 3.797.462 36,56 3.452.637 31,48 3.315.852 23,19
Total 10.386.084 100 10.966.073 100 14.298.435 100
Dalam memberikan kredit, Perseroan memiliki skema
proses persetujuan atas kredit yang diberikan, alurnya
sebagai berikut:
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 49
Credit proposal process begins with data collection,
verification, financial data analysis, risk valuation, guarantee
valuation, drafting of financial projection determination of
credit requirements and credit approval process.
The following table explains the loan products and services
of Bank Sinarmas.
NasabahCustomer
Account Officer Credit Processing KomiteKredit
Pengajuan/permohonan fasilitas kredit / Proposal /
application for credit
Persiapan perjanjian kredit / Preparation of Loan
agreement
Penandatangan Perjanjian Kredit / Signing of Loan
Agreement
Analisa kelayakan/persiapan proposal kredit
/ Feasibility analysis / preparation of credit
proposal
Analisa kelayakan/persiapan proposal kredit
/ Feasibility analysis / preparation of credit
proposal
Penentuan keputusan / Decision
Pengerjaan proposal kredit / Submission of credit proposal
Apabila Proposal Kredit disetujui / If the credit proposal is approved
Pembuatan offering letter / Drafting of Offering
Letter
• Kelengkapan data/dokumen / Data /document completeness
• Wawancara dan kunjungan / Interview and visits
• BI Checking• Survey and
appraisal
1 2
3
8
4
7
5
6
Proses pengajuan kredit dimulai dengan pengumpulan
data, verifikasi, analisa data keuangan, penilaian risiko,
penilaian jaminan, pembuatan proyeksi keuangan,
menentukan kebutuhan kredit sampai pada proses
persetujuan kredit.
Berikut daftar kegiatan perkreditan Bank Sinarmas:
NoProdukProduct
PenjelasanDescription
1Kredit kepemilikan mobil / Car ownership loan (KPM)
Fasilitas kredit yang diberikan Bank Sinarmas untuk membeli mobil baru atau second dengan suku bunga yang rendah, cepat dan mudah.A loan facility granted by Bank Sinarmas to purchase new or secondhand vehicles in low, quick and easy interest rate.
2Kredit Modal Kerja / Working Capital Loan
Fasilitas kredit yang diberikan Bank Sinarmas untuk memperkuat kegiatan usaha, baik dalam bentuk modal maupun pinjaman investasi. Pinjaman ini dapat digunakan untuk pendanaan pembelian barang, piutang dagang, atau kebutuhan modal kerja lainnya.A loan facility granted by Bank Sinarmas to accelerate business activities, available in capital aid or investment loans. The loan could be used as goods purchase financing, account receivables, or other working capital needs.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201450
2. FundDepositoryActivities
This activity is intended to improve Third Party Funds and
Bank’s liquidity as well as expanding market share and
total customers of the Company. this financing activity is
conducted in the form of fund collection from the public
through the products of Bank Sinarmas, encompassing
saving accounts, current accounts and time deposits.
The following table shows the composition of fund
depository activities conducted by the Company.
The products are marketed through the functions of Bank
employees who have obtained adequate trainings regarding
product knowledge and marketing skills. Furthermore, the
Company also conducted sales of saving products through
channel agencies spread over all of the Company’s business
networks.
NoProdukProduct
PenjelasanDescription
3Kredit Investasi / Investment Loan
Bentuk dukungan Bank Sinarmas kepada nasabah dalam menjalankan bisnis kecil, menengah, dan korporasi. Melalui kredit investasi ini, korporasi dengan mudah dan cepat dalam mendapatkan sumber dana untuk diversifikasi maupun intensifikasi core business maupun secondary business mereka.A form of support from Bank Sinarmas to its customers in running their small and medium business as well as corporations. Through this investment loan product, corporations can easily and quickly obtain new sources of fund to do diversification and intensification of their core and secondary businesses.
4Kredit Usaha Kecil / Small Business Loan
Kredit atau pembiayaan dari Bank Sinarmas untuk investasi dan/atau modal kerja, yang diberikan dalam Rupiah dan/atau valuta asing kepada nasabah usaha kecil untuk membiayai usaha yang produktif.A loan or financing product from Bank Sinarmas for investment and/or working capital, given in Rupiah and/or foreign currencies to small business customers in financing a productive business.
5Kredit Konsumsi / Consumption loan
Pemberian fasilitas kredit dari Bank Sinarmas ke consumer yang digunakan untuk pembelian barang berupa rumah/kendaraan yang digunakan secara langsung oleh konsumen.A loan facility given from Bank Sinarmas to the consumers which is used to purchase material goods such as houses/vehicles that are used directly by the consumers.
6Kredit Tanpa Agunan (KTA) / Non-Guarantee Loan
Salah satu produk Bank Sinarmas dalam bentuk pemberian fasilitas pinjaman tanpa adanya suatu aset yang dijadikan jaminan atas pinjaman tersebut.One of the products of Bank Sinarmas in the form of loan facility grant, without guaranteed assets as requirements upon the loans.
2. KegiatanPenghimpunanDana
Kegiatan pendanaan ini merupakan kegiatan
penghimpunan dana masyarakat serta meningkatkan
market share dan jumlah nasabah melalui produk-produk
yang dimiliki oleh Bank Sinarmas, yang meliputi produk
Giro, Tabungan dan Deposito.
Berikut tabel komposisi dari kegiatan penghimpunan dana
yang dilakukan oleh Perseroan.
NoKeteranganDescription
2012 2013 2014
O/S % O/S % O/S %
1 Giro / Current Accounts 3.151.996 24,51 3.772.352 27,30 3.189.731 18,82
2 Tabungan / Saving Accounts 4.148.957 32,26 5.236.420 37,89 5.247.615 30,97
3 Deposito Berjangka / Time Deposits 5.559.761 43,23 4.810.289 34,81 8.508.885 50,21
Jumlah / Total 12.860.714 100 13.819.061 100 16.946.231 100
Produk-produk tersebut akan dipasarkan melalui para
tenaga pemasaran yang merupakan karyawan bank yang
telah mendapatkan pelatihan mengenai pengetahuan
produk dan teknik pemasaran yang memadai. Di samping
itu, Perseroan juga melakukan penjualan produk tabungan
melalui channel agency yang tersebar di seluruh area
jaringan kantor Perseroan.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 51
Products of this facility are as follows:
the products are marketed by utilizing the marketing
department whose employees have been given trainings on
product knowledge and marketing technique. in adition, the
Company also sells its savings products through its ageny
channels spread over all office network of the Company.
Produk-produk kegiatan penghimpunan dana yang dimiliki
Perseroan adalah sebagai berikut:
NoProdukProduct
PenjelasanDescription
1 Tabungan Sinarmas
Tabungan perorangan dalam mata uang Rupiah yang dapat ditarik sewaktu-waktu dengan kemudahan transaksi dan bunga yang kompetitif. An individual saving account in the currency of Rupiah that can be withdrawn at any given time with various transactional facilities and competitive interest rates.
2 Tabunganku
Tabungan perorangan dalam mata uang Rupiah yang dapat ditarik sewaktu-waktu dengan persyaratan yang mudah dan bebas biaya administrasi guna meningkatkan budaya menabung serta kesejahteraan masyarakat.An individual saving account in the currency of Rupiah that can be withdrawn at any given time with easy requirements and free of administrative charges. This product is intended to improve the habit of savings as well as the society’s welfare.
3 Simas Gold
Tabungan perorangan dalam mata uang Rupiah yang dapat ditarik sewaktu-waktu dengan kemudahan transaksi dan bunga premium sehingga memberikan hasil investasi maksimal.An individual saving account in the currency of Rupiah that can be withdrawn at any given time with various transactional facilities and premium interest rates which ultimately will provide maximum investment results.
4 Simas Valas
Tabungan perorangan dalam mata uang valuta asing yang dapat ditarik sewaktu-waktu dengan bunga yang kompetitif. Simas Valas tersedia dalam mata uang USD, SGD AUD, EUR, dan CNy.An individual saving account in foreign currency that can be withdrawn at any given time with competitive interest rates. Simas Valas is available in these currencies: USD, SGD AUD, EUR, and CNy.
5Simas Tabungan Rencana
(Simas TARA)
Tabungan perorangan dengan setoran rutin bulanan dalam periode jangka waktu tertentu dalam rangka mempersiapkan rencana keuangan nasabah. An individual savins account with routine monthly deposits in a certain period of time, in an effort to prepare the customer’s financial plan.
6 Giro Sinarmas
Rekening simpanan yang memberikan fasilitas kemudahan dan kenyamanan transaksi keuangan nasabah perorangan atau perusahaan.A saving account that provides the customers, either individual customers of corporate customers with various facilities and comforts for their financial transaction activities.
7 Deposito Berjangka
Rekening simpanan perorangan atau perusahaan dalam periode waktu tertentu dengan tingkat suku bunga menarik dan tersedia dalam berbagai mata uang. Individual or corporate savings account within a certain period of time with attractive interest rates. This product is available in various currencies.
8Deposito On Call / On Call
Deposits
Rekening simpanan perorangan atau perusahaan dalam periode waktu tertentu (di bawah 1 bulan) dengan tingkat suku bunga menarik dan tersedia dalam berbagai mata uang.Individual or corporate savings account within a certain period of time (under 1 month) with attractive interest rates. This product is available in various currencies.
Produk-produk tersebut dipasarkan melalui para tenaga
pemasar yang merupakan karyawan Perseroan yang telah
mendapatkan pelatihan mengenai pengetahuan produk
dan pemasaran yang memadai. Di samping itu, Perseroan
juga melakukan penjualan produk tabungan melalui
channel agency yang tersebar di seluruh area jaringan
kantor Perseroan.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201452
3. BankingServiceandE-BankingProduct
The Company currently has diversified banking services and
E-Banking products which aims to provide comfort and
fulfill banking transaction needs of all customers.
The Comapany’s banking services include:
3. LayananPerbankandanProdukE-Banking
Layanan perbankan dan produk E-Banking yang dimiliki
Perseroan saat ini sudah sangat beragam, hal ini
bertujuan untuk memberikan kenyamanan dan memenuhi
kebutuhan transaksi perbankan dari para nasabah.
Layanan perbankan Perseroan meliputi:
NoProdukProduct
PenjelasanDescription
1 Safe Deposit Box
Layanan penyewaan kotak SDB yang tersedia dalam beragam ukuran dan menjadi pilihan yang tepat untuk menyimpan benda berharga atau dokumen penting dalam jangka panjang tertentu di Bank.A rental safe deposit box service which is available in various sizes, and a perfect choice to keep valuable things and documents with custom time period in Bank.
2 Travellers Cheque
Dokumen atau surat berharga yang dapat digunakan sebagai alat pembayaran yang sah dan mempunyai nilai yang sama dengan uang tunai sebesar nilai yang tercantum pada setiap Traveller Cheque.Documents or securities that can be used as legal payment method and possess the same value as cash money amounted to the value stated on each Traveller Cheque
3 Virtual Account Sinarmas
Layanan pembayaran bagi biller dengan menggunakan nomor pelanggan sebagai sarana pembayaran yang diberikan oleh Bank Sinarmas kepada nasabah Giro.A payment service for biller through customers numbers as payment method given by Bank Sinarmas to giro customers.
4 Bill Payment
Layanan Bank Sinarmas yang memungkinkan nasabah untuk dapat melakukan pembayaran atau pembelian serta pelunasan melalui jaringan elektronik seperti ATM dan atau Internet Banking. A service from Bank Sinarmas that enables customers to do payments or purchases and settlement through electronic networks such as ATM and/or Internet Banking.
5 Penagihan (Collection)Penagihan utang dari kredit yang diberikan oleh bank.Debt collection on loans from bank.
6 Bank Garansi
Pelaksanaan pemberian jaminan dari bank atas permohonan nasabah untuk membayar sejumlah uang kepada pihak lain dengan persyaratan dan jangka waktu tertentu.Provision of guarantee from bank on the customers’ application to pay a certain amount of time to other party with certain requirement and period.
7 Sinarmas Export Import Pelayanan ini memastikan transaksi berjalan dengan baik antar Importir dan Eksportir.This service is provided to ensure that transactions of Import and Export run well.
8 Cash Letter Services
Layanan penagihan berbasis cash letter (under cash letter basis) atas warkat dalam mata uang rupiah maupun mata uang asing.Billing service under cash letter basis on drafts in the currency of Rupiah or foreign currencies.
9 Inkaso
Layanan bank untuk penagihan pembayaran atas surat atau dokumen berharga kepada pihak ketiga di tempat atau kota lain di dalam negeri. Surat atau dokumen berharga yang dapat diproses adalah wesel, cek bilyet giro, kuitansi, surat promes/aksep dan hadiah undian.A bank’s service for collection of payment over securities or other valuable documents to the third party in other place or cities in the country. Securities of valuable documents that can be processed with this service are money order, giro checks, receipts, promissory notes and prizes.
10Pengiriman Uang / Money Delivery
Pengiriman uang dalam valuta asing antar bank dalam suatu negara maupun dengan bank di negara lain atas permintaan dan untuk kepentingan nasabah.Transfer or delivery of money in foreign currency between banks within a country or with bank in other countries on the demands of as well as for the interests of the customers.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 53
The Company’s E-Banking Products include:
NoProdukProduct
PenjelasanDescription
11Loket Pembayaran / payment Counter
Layanan yang disediakan untuk pembayaran Pajak, Bea, Listrik dan Telepon.A service that is provided for the payment of Tax, Excise, Electricity and Telephone.
12 Payroll Services
Layanan bagi nasabah perorangan atau perusahaan untuk memudahkan dalam pembayaran gaji (payroll) perusahaan dengan menawarkan berbagai fasilitas kemudahan.A service for individual or corporate customers to facilitate the wages payment (payroll) of a company through various facilities that provided ease of access.
Produk E-Banking Perseroan meliputi:
NoProdukProduct
PenjelasanDescription
1 Internet banking
Layanan transaksi perbankan melalui jaringan internet yang dapat diakses kapan pun dan dimana pun untuk kemudahan transaksi dengan tingkat keamanan yang terjamin.A banking transaction service through wireless Internet network that can bee accessed rom anywhere and everywhere to facilitate transaction with guaranteed security level.
2 Mobile Banking
Layanan transaksi perbankan berbasis jaringan internet nirkabel yang memberikan nasabah kemudahan, kenyamanan dan keamanan dalam melakukan transaksi perbankan seperti pembayaran berbagai tagihan, pembelian pulsa, transfer dana dan lain-lain melalui smartphone selama 24 jam sehari dan 7 hari seminggu.
A banking transaction service utilizes wireless Internet network that provided the
customers with ease, comfort, and safety in conducting banking transaction such as
payment of bills, purchase of , transfer of funds and other transactions conducted
through the use of smartphones 24 hours a day and 7 days a week.
3 ATM
Bank Sinarmas menyediakan ratusan Anjungan Tunai Mandiri (ATM) yang tersebar di lokasi-lokasi strategis di seluruh Indonesia guna memenuhi kebutuhan nasabah dalam melakukan transaksi perbankan seperti penarikan tunai, pembayaran tagihan, pembelian pulsa, transfer dana dan lain-lain.Bank Sinarmas provided Automatic Teller Machines (ATMs) that are spread on the strategic locations across Indonesia in order to meet the needs of the customers in conducting various banking transactions such as cash withdrawal, billing payment, fund transfer, etc.
4 Phone Banking
Salah satu fasilitas layanan elektronik yang memudahkan nasabah dalam bertransaksi.
Melalui fasilitas Phone Banking, nasabah dapat mengetahui seluruh informasi tentang
seluruh produk dan jasa yang dimiliki Bank Sinarmas serta melakukan transaksi
perbankan kapan dan di mana pun dengan mudah dan cepat.
One of electronic services to facilitate the customers in conducting banking transactions.
Through Phone Banking facility, the customers will be able to obtain all information
regarding the Bank’s products and services quickly in any place and time.
5 Customer Care
Suatu layanan interaksi atau komunikasi antara Bank Sinarmas dan nasabahnya dalam rangka memberikan informasi produk atau jasa Bank Sinarmas, masukan dan saran untuk perbaikan, penyampaian pengaduan dan tindak lanjut penyelesaian pengaduan melalui media telepon nomor: 1500153 atau (021) 501 88888 dan email: [email protected] interactive service that also functions as the media of communication between Bank Sinarmas and its customers in providing product and service information of the Bank, receiving inputs and advice for improvement, as well as in submitting complaints and managing the follow-up actions of the complaint. This service can be conducted by phone to the number of 1500153 or (021) 501 88888 and email to [email protected].
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201454
4. BancassuranceandInvestmentProduct
In order to increase fee-based income of the Bank and to
meet the customers’ demands for investment products,
the Company actively markets its wealth management
products. These products are marketed at all of the
Company’s branch offices through a skilled marketing staff
and have obtained certifications that are in accordance
with the prevailing regulations. For bancassurance product,
the Bank’s marketing experts have obtained the AAJI
Certification and for mutual fund products, the Bank’s
marketing experts have obtained the permission from
Mutual Fund Selling Agent.
Bancassurance product that is offered by the Banks consist
of 5 types of product, namely:
Upt to the period of December 2014, Bancassurance
products had yielded the following results:
4. Penjualan Produk Bancassurance & Investment
Product
Dalam rangka meningkatkan perolehan Fee Based
Income untuk bank dan untuk memenuhi pilihan produk
investasi bagi para nasabah, maka Perseroan aktif
dalam memasarkan produk-produk bancassurance dan
investment product. Produk ini dipasarkan di seluruh
jaringan kantor Perseroan melalui tenaga marketing yang
terampil di bidangnya dan telah memperoleh sertifikasi
sesuai dengan ketentuan yang berlaku, di mana untuk
produk-produk bancassurance, dan para tenaga marketing
telah memiliki sertifikat AAJI dan untuk produk-produk
reksadana, para tenaga marketing telah memiliki izin
Wakil Agen Penjual Efek Reksa Dana (WAPERD).
Produk Bancassurance yang dijual Perseroan saat ini terdiri
dari 5 jenis produk, yaitu:
NoProdukProduct
PenjelasanDescription
1 Simas PrimaProduk dengan kekuatan untuk mengembangkan hasil investasi dan proteksi diri dengan nilai yang pasti. / Product with a power to develop investment results and self-protection with assured values.
2 Simas Stabil LinkProduk investasi dengan fitur asuransi jiwa dan kecelakaan untuk mengoptimalkan investasi nasabah. / An investment product with the feature of life insurance and insurance against accident to optimize customer’a investments.
3 Simas Power Link (SIMPOL)
Program perlindungan asuransi jiwa yang dikombinasikan dengan investasi yang dapat memberikan hasil yang optimal merupakan impian setiap orang. / A life insurance program that is combined with investment that will provide optimum results for the customers.
4 Personal Accident (PA)
Program perlindungan asuransi jiwa meninggal dunia, cacat tetap total dan masuk rumah sakit yang diakibatkan oleh kecelakaan. / A life insurance program for customer that is provided if the insured passes away, suffers from permanent disability or is hospitalized due to accidents.
5 Dana SejahteraProgram asuransi dan investasi jangka panjang sebagai persiapan dana pensiun. / A long-term insurance and investment program as a preparation for retirement fund.
Pencapaian periode Desember 2014 produk Bancassurance
yaitu :
NoProdukProduct
Oustanding
1 Simas Prima dan Simas Stabil Link / Simas Prima and Simas Stabil Link 455.094.106.148
2 Simas Power Link (SIMPOL) 6.489.113.333
3 Dana Sejahtera 184.594.072
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 55
Meanwhile, the Company’s Mutual Fund products currently
consist of 5 products, namely:
Produk Reksadana yang dijual Perseroan saat ini terdiri dari
5 jenis produk, yaitu:
NoProdukProduct
PenjelasanDescription
1 Simas Danamas Rupiah Plus
Bertujuan untuk memperoleh tingkat pendapatan yang stabil dan bersaing dengan tetap mempertahankan nilai modal investasi serta menjaga kestabilan likuiditas dengan tingkat risiko yang relatif rendah. Designated to achieve a stable and competitive income level by retaining capital investment values, and upholding liquidity stability with relatively low risk level.
2 Simas Danamas Stabil
Bertujuan untuk memperoleh pendapatan yang stabil dan optimal dalam jangka menengah dan panjang dengan tingkat risiko yang relatif rendah.Designated to achieve a stable and optimum income in medium and long-term period with relatively low risk level.
3 Simas Danamas Saham
Bertujuan untuk memperoleh pendapatan yang optimal dalam jangka panjang dengan tingkat fleksibilitas investasi yang cukup tinggi, serta mengurangi risiko dengan berbagai jenis portofolio efek yang terdiri dari efek ekuitas dan efek bersifat piutang serta instrument pasar uang sesuai dengan peraturan perundang-undangan.Designated to achieve optimum income in the long-term with a quite high investment flexibility level, and to reduce risks in various securities portfolios, such as equity and receivables shares, as well as money market instruments, in accordance with the applicable laws.
4 Simas Satu
Bertujuan mencapai tingkat pendapatan yang optimal dalam jangka panjang melalui peningkatan nilai modal, penghasilan deviden dan pendapatan bunga serta mengurangi risiko investasi dengan mengalokasikan kekayaan Simas Satu ke dalam berbagai jenis efek yang terdiri dari efek utang, instrumen pasar uang, efek ekuitas dan efek berpendapatan tetap.Designated to achieve optimum income level in long-term through an increase in capital value, dividend income and interest income, as well as reducing investment risks by allocating the fund in Simas Satu to various kind of shares, such as debt shares, money market instrument, equity shares, and stable income shares.
5 Simas Satu Prima
Bertujuan untuk mencapai tingkat pendapatan yang optimal dalam jangka panjang melalui peningkatan nilai modal, penghasilan dividen dan pendapatan bunga, serta mengurangi risiko investasi dengan mengalokasikan kekayaan Simas Satu Prima ke dalam berbagai jenis efek yang terdiri dari efek ekuitas, efek utang, dan/atau efek beragun asset serta instrumen pasar uang.Designated to achieve optimum income level in long-term through an increase in capital value, dividend income and interest income, as well as reducing investment risks by allocating the fund in Simas Satu Prima to various kind of securities, such as equity shares, debt shares, residential mortgage backed securities, and money market instrument.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201456
Upt to the period of December 2014, Mutual Fund products
had yielded the following results:
5. CreditCardBusiness
The Company launched its credit card product by cooperating
with Visa International and Mastercard International. With
the launch of this product, the Company aims to not only
provide more service to the customers but also intended
for all employees who work in all subsidiaries of Sinarmas
Group.
To advance its credit card business, the Company will create
various cooperation programs and promotions to encourage
the use of the card and improve transaction volume. Thus,
the Company’s credit card will be used as the main card for
loyal customers.
6. InternationalandTreasuryBusiness
International and Treasury business activities conducted by
the Company are as follows:
Pencapaian periode Desember 2014 produk Reksadana
yaitu :
NoProdukProduct
Oustanding
1 Simas Danamas Rupiah Plus 354.339.151
2 Simas Danamas Stabil 26.669.268.480
3 Simas Danamas Saham 3.363.855.116
4 Simas Satu 27.046.871.765
5 Simas Satu Prima 1.068.977.578
5. BisnisKartuKredit
Perseroan meluncurkan produk Kartu Kredit dengan
bekerja sama dengan Visa International dan Mastercard
International. Strategi Perseroan dalam meluncurkan bisnis
kartu kredit ini selain untuk melayani kebutuhan para
nasabah, juga akan diarahkan untuk para karyawan yang
bekerja di seluruh anak perusahaan Sinarmas Group.
Untuk meningkatkan bisnis kartu kredit, Perseroan akan
membuat berbagai program kerja sama dan promosi untuk
mendorong pemakaian kartu dan meningkatkan volume
transaksi, sehingga diharapkan kartu kredit Perseroan bisa
sebagai kartu utama/main card bagi para nasabah yang
loyal.
6. BisnisInternasionaldanTreasury
Kegiatan usaha Bisnis Internasional dan Treasury adalah
sebagai berikut:
NoProdukProduct
PenjelasanDescription
1 Pasar Uang / Money MarketKeseluruhan permintaan dan penawaran dana-dana atau surat-surat berharga yang mempunyai jangka waktu satu tahun atau kurang dari satu tahun. / Overall demand and supply of funds or securities that matured in one year or less than one year.
2Penukaran Mata Uang Asing / Foreign Exchange Transaction
Penukaran mata uang valuta asing. / Transaction of foreign exchange.
3 Transaksi Spot
Transaksi pembelian atau penjualan mata uang asing yang waktu penyerahannya (settlement) dilakukan dalam dua hari kerja setelah tanggal transaksi. / Foreign currency purchase and selling transaction which settlement is conducted in tow work days after the transaction.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 57
7. ShariaBusinessUnit
PT. Bank Sinarmas Tbk. - Sharia Business Unit (UUS) is a
Strategic Business Unit of PT. Bank Sinarmas Tbk., which
runs banking system in accordance to Sharia Principles and
started to operate on November 18, 2009 by opening its
first Sharia Branch Office in Jakarta. The establishment of
UUS aims to serve public demand on financial banking
service based on dual banking systems namely conventional
banking and especially sharia banking based on the
Indonesian Ulema Council’s law on the bank’s interest.
Products that are offered by Sharia Business Unit of the
Company are adjusted to the Codifications of Sharia Banking
Products of 2008 and have obtained recommendation from
Sharia Board of Supervisors, namely:
7. UnitUsahaSyariah
Unit Usaha Syariah (UUS) PT. Bank Sinarmas Tbk.
merupakan Unit Usaha Strategis dari PT. Bank Sinarmas
Tbk. yang menjalankan sistem Perbankan melalui kegiatan
operasional sesuai dengan Prinsip Syariah. Kantor Cabang
Syariah pertama mulai beroperasi pada 18 November
2009 di Jakarta. Pendirian UUS bertujuan untuk melayani
tingginya kebutuhan masyarakat dalam memanfaatkan
jasa keuangan perbankan yang berbasiskan dual banking
system, yaitu sistem konvensional dan sistem syariah,
dengan memperhatikan keunggulan prinsip Perbankan
Syariah, karena adanya Fatwa MUI tentang bunga bank.
Adapun produk yang saat ini ditawarkan oleh Bank
Sinarmas Unit Usaha Syariah disesuaikan dengan
Kodifikasi Produk Perbankan Syariah tahun 2008 dan telah
mendapatkan rekomendasi dari Dewan Pengawas Syariah
(DPS) yaitu:
NoProdukProduct
PenjelasanDescription
1Produk Penghimpunan Dana / Fund Collection Product
a. Tabungan Simas iB (Wadiah) - Statement dan Passbook / Simas iB (Wadiah) savings - Statement and Passbook
b. Tabungan Simas iB (Mudharabah Muthlaqah) - Statement dan Passbook / Simas iB (Mudharabah Muthlaqah) savings - Statement and Passbook
c. TabunganKu iB (Wadiah) - Passbook / TabunganKu iB (Wadiah) - Statement and Passbook
d. Tabungan Simas Gold iB (Mudharabah Muthlaqah) - Passbook / Simas Gold iB (Mudharabah Muthlaqah) savings - Passbook
e. Tabungan Sinarmas Saving Plan iB (Mudharabah Muthlaqah) / Sinarmas Savin Plan iB (Mudharabah Muthlaqah) savings
f. Giro Simas iB (Mudharabah Muthlaqah) / Simas iB (Mudharabah Muthlaqah) current accounts
g. Deposito Berjangka iB (Mudharbah Muthlaqah) / Time Deposits iB (Mudharbah Muthlaqah)
2Produk Pembiayaan / Financing Product
Pembiayaan Murabahah (Skema Channelling - Linkage Program) / Murabahah Financing (Channeling Scheme - Linkage Program)
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201458
JEJAK LANGKAHMilestones
19891994
1996
19931995 1998
Perusahaan
pertama kali
didirikan dengan
nama Bank Shinta
Indonesia.
Establishment
of the Company
under the name
of Bank Shinta
Indonesia
Perusahaan
mendirikan kantor
cabang di Bandung. Menjadi Bank
Umum Devisa.Mendapatkan
penambahan Modal
Disetor menjadi
Rp50 miliar.The Company
established the first
branch office in
Bandung
The Company
obtained Foreign
Exchange Bank
Status.The Company
obtained additional
fund to increase its
paid-in capital to
Rp50 billion.
Menerima status
sebagai Bank
Persepsi (bank
pembayaran
pajak) dari Menteri
Keuangan.
Perusahaan mendirikan
kantor cabang di
Surabaya.
The Company was
appointed as a Tax
Collection Bank
by the Minister of
Finance.
The Company established
a branch office in
Surabaya
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 59
2006
2005
• KeputusanMenteriHukumdanHakAsasiManusiamengenai Perubahan Nama dari PT. Bank Shinta Indonesia menjadi PT. Bank Sinarmas Tbk., kemudian Bank Shinta Indonesia berubah nama menjadi Bank Sinarmas.
• BerpindahnyakantorPusatdariJl.HasyimAshariNo.38,Jakarta Pusat ke Wisma PT. Bank Sinarmas Tbk. Lt. 1, Jl. MH. Thamrin No. 51, Jakarta Pusat.
• BertambahnyaanggotaDireksidari2(dua)orangmenjadi4 (empat) orang.
• PeningkatanModalDasardariRp200miliarmenjadiRp500 miliar.
• PenambahanModalDisetormenjadiRp125miliar.• Pendirian10(sepuluh)kantorbaruyaituMedan,Jambi,
Pekanbaru, yogyakarta, Semarang, Cirebon, Makassar, Manado, Bumi Serpong Damai Jakarta, dan Denpasar.
• RelokasikantorCabangBandungdiJl.NaripanNo.11-19, Bandung ke Jl. Abdul Rivai No. 2, Bandung.
• TheCompanyobtainedapprovalfromtheMinisterofJusticeand Human Rights to change its name from PT. Bank Shinta Indonesia to PT. Bank Sinarmas Tbk., consequently the name of Bank Shinta Indonesia was changed to Bank Sinarmas.
• TheCompany’smainofficewasrelocatedfromJl.HasyimAshari No. 38, Central Jakarta to Wisma PT. Bank Sinarmas Tbk. Lt. 1, Jl. MH. Thamrin No. 51, Central Jakarta.
• TheCompanyincreasedthemembersofBoardofDirectorsfrom 2 (two) directors to 4 (four) directors.
• TheauthorizedcapitaloftheCompanywasincreasedfromRp200 billion to Rp500 billion.
• TheCompanyincreaseditsPaid-inCapitaltoRp125billion.• TheCompanyestablished10(ten)newbranchofficesin
Medan, Jambi, Pekanbaru, yogyakarta, Semarang, Cirebon, Makassar, Manado, Bumi Serpong Damai Jakarta, and Denpasar.
• BandungbranchofficewasrelocatedfromJl.NaripanNo.11-19, Bandung to Jl. Abdul Rivai No. 2, Bandung.
• PT.SinarMasMultiarthaTbkdanPT.ShintaUtama
menjadi pemegang saham mayoritas dengan tujuan
membawa Perusahaan menjadi salah satu bank
terkemuka dan terpercaya.
• BertambahnyaanggotaDewanKomisarisdari1
(satu) orang menjadi 3 (tiga) orang.
• Pergantianlogobank.
• PenambahanModalDisetormenjadiRp65miliar.
• PT.SinarmasMultiarthaTbkandPT.ShintaUtamabecame
major shareholders, bringing with them their goals in making
the Bank into one of the best professional banks in the country.
• TheCompanyincreasedthemembersofBoardof
Commissioners from 1 (one) commissioner to 3 (three)
commissioners.
• TheBank’slogowaschanged.
• TheCompanyincreaseditsPaid-inCapitaltoRp65billion.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201460
2007
2008
• PenambahanModalDisetormenjadiRp275miliar.• Pendirian40(empatpuluh)kantorbaru.• RelokasikantorcabangManggaDua,PekanBarudan
Denpasar.• PerubahandanPenambahan1(satu)oranganggotaDewan
Direksi menjadi 5(lima) orang.• PerubahananggotaDewanKomisaris.• BankSinarmasmendapatpenghargaandarimajalah
Info Bank dengan predikat ”Sangat Bagus” atas kinerja keuangan 2006.
• Pembukaan88unitATMdiseluruhkantorcabang.• PeluncuranInternet Banking dan Electronic Banking.• PenggunaansistemperbankanTEMENOSyang
menggantikan sistem IBS sehingga seluruh kegiatan bank dijalankan terintegrasi secara real time on line di seluruh kantor cabang.
• PenambahanModalDisetormenjadiRp425miliar.• Pembukaan22(duapuluhdua)kantorbaru.• RelokasikantorcabangMalang,Jambi,KaliDeres,
Gunung Sahari Jakarta.• Pembukaan61unitATMdiseluruhkantorcabang.
• TheCompanyincreaseditsPaid-inCapitaltoRp425billion.
• TheCompanyopened22(twentytwo)newbranchoffices.
• BranchofficesinMalang,Jambi,KaliDeres,andGunung Sahari Jakarta were relocated.
• TheCompanyopened61ATMunitsinallbranchoffices.
• TheCompanyincreaseditsPaid-inCapitaltoRp275billion.• TheCompanyestablished40(forty)newbranchoffices.• BranchofficesinManggaDua,PekanbaruandDenpasar
were relocated.• ThecompositionoftheBoardofDirectorswaschangedby
appointing 1 (one) new director; thus, the Board of Directors of the Company was composed of 5 (five) directors.
• ThecompositionoftheBoardofCommissionerswaschanged.
• BankSinarmasobtainedanawardfromInfoBankmagazinedue to the “Excellent” financial performance of the Bank’s in 2006.
• TheCompanyopened88ATMunitsinallbranchoffices.• TheCompanylaunchedInternetBankingandElectronic
Banking systems.• TheCompanyutilizedTEMENOSbankingsystemtoreplace
the IBS system. Thus, all activites of the Bank were integrated and conducted in real time online in all branch offices.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 61
2010
2009
2011
• PenambahanModalDisetormenjadiRp525miliar.• Pembukaan18(delapanbelas)kantorbaru.• RelokasiKantorCabangLampung,Semarang,Senen
Jakarta, Manado, Tasikmalaya.• Pembukaan162unitATMdiseluruhkantorcabang.• DibentuknyaUnitUsahaSyariahPT.BankSinarmasTbk• PT.BankSinarmasTbk.telahdisahkanolehBappebti
sebagai Bank Penyimpan Margin, Dana Kompensasi dan Dana Jaminan.
• PengesahandariBapepamkepadaPT.BankSinarmasTbk.untuk melakukan kegiatan usaha Wali Amanat.
• PenambahanModaldisetormenjadiRp908 Miliar.
• PelaksanaanExercise Waran Seri I, sehingga meningkatkan saham publik di PT. Bank Sinarmas Tbk. menjadi 40%.
• JumlahKantorPT.BankSinarmasTbk.sebanyak 220 kantor yang tersebar di 107 kota di Indonesia.
• PeluncurantaglineWe Always Care.• PelaksanaanRUPSTahunandanRUPS
Luar Biasa.• PelaksanaanPublic Expose.
• TheCompanyincreaseditsPaid-inCapital to Rp908 billion.
• TheCompanyexercisedWaranSeriesI; thus, increasing public shares of PT. Bank Sinarmas Tbk. to 40%.
• TotalbranchofficesofPT.BankSinarmas Tbk. in this year was 220 branch offices spread over 1078 cities in Indonesia.
• TheCompanylaunchedthetaglineofWe Always Care.
• AnnualGMSandExtraordinaryGMSofthe Company were conducted.
• PublicExposeoftheCompanywasconducted.
• PenambahanModalDisetormenjadiRp728Miliar.• Perubahanstatusbankmenjadiperusahaango
public.• Pembukaan14(empatbelas)kantorbaru.• JumlahATMyangberoperasiadalah177Unit
mesin ATM yang tersebar di seluruh Indonesia.• PerubahanAnggotaDewanKomisarisdanDireksi.
• TheCompanyincreaseditsPaid-inCapitaltoRp525billion.• TheCompanyopened18(eighteen)newbranchoffices.• BranchofficesinLampung,Semarang,SenenJakarta,
Manado, and Tasikmalaya were relocated.• TheCompanyopened162ATMunitsinallbranchoffices.• ShariaBusinessunitoftheCompanywasestablished.• PT.BakSinarmasTbkhadbeenapprovedbyBappebti
as a Bank for Margin Savings, Compensation Fund, and Guarantee Fund services.
• TheCompanyobtainedapprovalfromBapepamtoconductTrustee Service.
• TheCompanyincreaseditsPaid-inCapitaltoRp728billion.• TheBankchangeditscompany’sstatusbyGoingPublic.• TheCompanyopened14(fourteen)newbranchoffices.• TotaloperatingATMoftheBankinthisyearwere177units
spread across Indonesia.• ThecompositionsofboththeBoardofCommissionersand
Board of Directors were changed.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201462
2012
2013
2014
• MelakukanPenawaranUmumTerbatas I (PUT I), sehingga menjadikan penambahan modal disetor menjadi Rp1.028 miliar.
• PerubahanAnggotaDewanKomisaris dan Direksi.
• Menambahjumlahkantormenjadi 265 yang tersebar 120 kota di Indonesia.
• PerubahansusunanDewanKomisaris.• PT.BankSinarmasTbk.menjalinkerjasamadenganUnionPay
Internasional (UPI) untuk meluncurkan kartu debit Sinarmas Union Pay.
• PelaksanaanRUPSTahunandanRUPSLuarbiasa.• AksikorporasiPenerbitanSahamBaruTanpaHakMemesanEfek
Terlebih Dahulu (non HMETD), sebanyak 896.535,414 saham baru BSIM dengan harga Rp270 per saham dan total mencapai Rp242 miliar.
• ThecompositionofBoardofCommissionerswaschanged• PT.BankSinarmasTbk.coperatedwithUnionPayInternasional
(UPI) to launch debit card of Sinarmas Union Pay.• AnnualGMSandExtraordinaryGMSoftheCompanywere
conducted. Through the corporate action of Rights Issue without the issuance of preemptive rights (Non-HMETD), the Company obtained two new shareholders, Asia Value Investments Pte. Ltd and Clark Quay Investment Corporation Pte Ltd. Both investors acquired 444,44 million of BSIM new shares with the price of Rp270 per share, reaching the total amount of Rp242 billion.
• PenambahanmodaldisetormenjadiRp1.299 miliar.
• PerubahansusunanDireksi.• Penambahanjumlahjaringan
kantor menjadi 380 yang tersebar diseluruh Indonesia.
• Jumlahyangberoperasiadalah503 unit mesin ATM yang tersebar diseluruh Indonesia.
• PelaksanaanRUPSTahunandanRUPS Luar biasa.
• PelaksanaanPublic Expose.
• TheCompanyincreaseditsPaid-inCapital to Rp1,299 billion.
• ThecompositionofBoardofDirectorswas changed.
• TheCompanyincreasedthenumberofits branch offices to 380 offices spread across Indonesia.
• TotaloperatingATMoftheBankinthis year were 503 units spread across Indonesia
• AnnualGMSandExtraordinaryGMSof the Company were conducted.
• PublicExposeoftheCompanywasconducted.
• TheCompanyexecutedRightIssue I (PUT I); thus, increasing the paid-in capital to Rp1,028 billion.
• Thecompositionsofboththe Board of Commissioners and Board of Directors were changed.
• TheCompanyincreasedthenumber of its branch offices to 265 offices spread over 120 cities in Indonesia.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 63
Tinjauan Unit-Unit BisnisBusiness Review
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT.BankSinarmasTbk. 63
Dengan komitmen yang tinggi dari jajaran manajemen dan seluruh karyawan, di usia yang ke-25, Perseroan mampu bertahan di tengah persaingan bisnis yang sangat ketat.
With unyielding commitment of the management as well as all employees, at the current age of 25 years old, Bank Sinarmas remains strong amid the various business challenges nowadays.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201464
STRUKTUR ORGANISASI BANK SINARMAS Organization Structure of Bank Sinarmas
GENERALMEETINGOFSHARERHOLDERS
BOARDOFDIRECTORS
PRESIDENTDIRECTOR
SHARIADIRECTOR
SHARIA COMPLIANCE TREASURYRETAIL
BUSINESSSALES&
DISTRIBUTION
MICROSMALLBUSINESSGROUP
CARDCENTER
DIGITALBANKING
RETAILBANKING REGIONAL
MANAGER
LIQUIDITY&CASHMANAGEMENT
FOREXTRADING
FIXEDINCOME
SALES&MARKETING
CREDITANALYST
CORPORATERETAIL
ACQUISITION
ANALYST
MAINBRANCHTHAMRIN
COMPLIANCE OPERATIONALRISK
MANAGEMENT
MARKET,LIQUIDITY&
ENTERPRISERISKMANAGEMENT
HUMANCAPITALRECRUITMENT&ADM.SUPPORT
HUMANCAPITALSYSTEM&STRATEGIC
CREDITRISKMANAGEMENT
GENERALAFFAIRS
UKPN
COMPLIANCEDIRECTOR
RISKMANAGEMENT&HUMANCAPITAL
DIRECTOR
ENTERPRISEBANKINGDIRECTOR
RETAILBANKINGDIRECTOR
Freenyan Liwang
Heru Agus Wuryanto
Salis Teguh Hartono
Purwanto yoyo Cahyadi Anula PutraMaureen Setiawan
Muktiono Wibowo
Husni Salikin
Hendrawan Revianto
Dian Nita SantiM. Togar Pohan
Ira Marvella
Andreas Antonio
Alex Hadiwijoyo
yenny Hoo
Ellen Soehartono
Harri SetiabudiSyaiful Siliganda
Sherley Miranty S.
Wahyu R. Zaenie
Vacant
Vacant
Eric Tunaedi
In Process
Hanafi Himawan Loa Johnny Mailoa Soejanto Soetjijo
ALCO
Credit Committee
Risk Management Committee
Information Technology Committee
Human Resources Committee
LEGEND
BOD
Reporting Lines
Cordination Lines
Supervision Lines
RISKMANAGEMENT
Afriani Ritassetyana
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 65
FINANCIALPLANNING&
PERFORMANCEMANAGEMENT
AUDITINTERNWORKUNIT
LIABILITIESPRODUCT
DEVELOPMENT
INFORMATIONTECHNOLOGY
OPERATIONS
LIABILITIESPRODUCT
WEALTHMANAGEMENT
SOFTWAREENGINEERING
COREBANKINGOPERATIONS
ACCOUNTING
ITINFRASTRUCTURE
EXPENSECONTROL
CREDITADMINISTRATION
&CONTROL
ITSERVICE SERVICEQUALITYBUSINESS
CONTINUITYMANAGEMENT
ITSECURITIESCARDCENTEROPERATIONS
ELECTRONICCHANNEL
OPERATIONS
COREBANKINGDEVELOPMENT REGIONAL
OPERATIONSMANAGER
ITPAYMENT&CARDSYSTEM
BANCASSURANCE&AGENCY
CONTACTCENTER
BUSINESSPARTNER
DEVELOPMENT
PAYMENTSYSTEM&ELECTRONICCHANNELBUSINESS
DEVELOPMENT
PAYMENTSYSTEM&ELECTRONICCHANNELPRODUCT
DEVELOPMENT
FINANCIALPLANNING&CONTROLLING
OPERATIONALRISKAUDIT&SPECIALCASE
ANTIFRAUD
TREASURY&INTERNATIONALBANKINGRISK
AUDIT
CORPORATESECRETARY&
LEGAL
GLOBALTRADESERVICES/FINANCIALINSTITUTION
APMK,E-CHANNEL,ITRISKAUDIT
STRATEGIC&PERFORMANCEMANAGEMENT
CREDITRISKAUDIT
LIABILITIES&BUSINESSDIRECTOR
OPERATIONAL&INFORMATION
TECHNOLOGYDIRECTOR
Ivanka VincheDarwanti Juliastuti
HaryoUntung
KurniawanSuhaimy Gohandi Fera Febriani
Theodora D. Windoe
Suzana IrmawatiMartinus S.
RohadiDody Vaircana
Tjong Kwet Hiong
Julianto Zheng Sony Agus
Dwirani Novianti
Rudyanto Vacant
Veronica Susanto
Chandra Suwondo
Hendra Goenawan
Rony Arif
Fransisca Hartanto
Vacant
Cynthia Tjandrawinata
Wendy Widjaja
Vacant
Erick W. Dotulong
Iman Budiman
Thedy Sherley Kanthi Nalarantini
Budi Kristiyana Femi Anggraini
Dodo Suyanto
Denny Darmawan
Zulkarnaen
Vacant Elizabeth Megawati
Halim Frenky T. Susilo
BOARDOFCOMMISSIONERS
Audit Committee
Risk Monitoring Committee
Remuneration & Nomination Committee
Good Corporate Governance Committee
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201466
PROFIL DEWAN KOMISARISBoard of Commissioners Profile
TjendrawatiWidjaja
Komisaris UtamaPresident Commissioner
Warga Negara Indonesia, 52
tahun. Menjabat sebagai Komisaris
Utama PT. Bank Sinarmas Tbk.
melalui Rapat Umum Pemegang
Saham 21 Desember 2009 dan
Persetujuan Pengangkatan dari
Bank Indonesia pada 20 April
2010. Sebelumnya beliau ditunjuk
sebagai Direktur Utama PT. Bank
Sinarmas Tbk. pada 2003.
Pengalaman kerja dimulai pada
1986 hingga 1987 sebagai
Manajer Keuangan PT. Lima
Sempurna Makmur di Semarang.
Pada 1987 hingga 1989 menjabat
sebagai Assistant Manager
Pemasaran PT. Shinta Indah Jaya,
Jakarta.
Bergabung di PT. Bank Sinarmas
Tbk. pada 1990 untuk pertama
kali sebagai tim inti pendirian.
Mendapatkan kepercayaan untuk
menjabat sebagai Kepala Cabang
pada 1993 hingga 2001. Pada
tahun 2001, beliau diangkat
menjadi Group Leader Credit
dan Marketing. Selanjutnya pada
tahun 2002 diangkat sebagai
Direktur Kredit dan Marketing.
Memperoleh gelar sarjana
Ekonomi di Universitas Kristen
Satya Wacana, Salatiga pada
tahun 1986.
An Indonesian citizen, 52 years
old. She has been serving as the
President Commissioner of PT.
Bank Sinarmas Tbk. by virtue of
General Meeting of Shareholders
on December 21, 2009 and
Approval for Appointment from
Bank Indonesia on April 20, 2010.
She was the President Director of
PT. Bank Sinarmas Tbk. in 2003.
Her career started in 1986 as
the Finance Manager of PT Lima
Sempurna Makmur in Semarang
(1986-1987). From 1987-1989,
she served as Assistant Marketing
Manager at PT Shinta Indah Jaya,
Jakarta.
She joined PT. Bank Sinarmas
Tbk. in 1990 as a staff of core
team in establishment. In 1993-
2001 she served as the Head of
Branch Office and in 2001, she
joined Group Leader Credit and
Marketing and was appointed
as the Director of Credit and
Marketing. She obtained her
Bachelor’s Degree in Economics
from Satya Wasana Christian
University, Salatiga in 1986.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 67
SammyKristamuljana
Komisaris IndependenIndependent Commissioner
Warga Negara Indonesia,
60 tahun. Diangkat menjadi
Komisaris Independen PT. Bank
Sinarmas Tbk. melalui melalui
Rapat Umum Pemegang Saham
15 Juni 2012 dan Persetujuan
Pengangkatan dari Bank Indonesia
pada 3 Juli 2012. Bergabung
sebagai Pengajar Tetap di Sekolah
Bisnis ini mulai April 1983 dan
dipercaya sebagai Rektor selama
dua periode dari 2004 hingga
2012
Sebelum bergabung dengan
PMBS berkarier sebagai manajer
profesional di perbankan dengan
jabatan terakhir Chief Accountant
di PT BDNI. Sejak berdirinya The
Indonesian Institute for Corporate
Directorship (IICD) pada 2003,
beliau terlibat aktif sebagai
Fasilitator dan mulai 2012 menjadi
anggota Pembina di lembaga
nirlaba yang mempromosikan
praktek-praktek terbaik Good
Corporate Governance ini.
Memperoleh gelar Doktor (PhD)
Strategi dan Bisnis Internasional
pada 1998 dari City University
London, Cass Business School.
An Indonesian citizen, 60 years
old. He was appointed as the
Independent Commissioner of PT.
Bank Sinarmas Tbk. by virtue of
General Meeting of Shareholders
on June 15, 2012 and Approval for
Appointment from Bank Indonesia
on July 3, 2012. He joined as a
permanent lecturer in Prasetiya
Mulya Business School (PMBS)
since April 1983. He also served
as the rector for two periods, from
2004 to 2012.
Prior to joining PMBS, he worked
as professional manager in
banking industry with the last
position as a Chief Accountant of
PT BDNI. Since the establishment
of The Indonesian Institute for
Corporate Directorship (IICD) in
2003, he actively involved there
as one of the Facilitators and in
2012, he served as a Mentor in
this non-profit organization that
promotes the best practices of
Good Corporate Governance.
He obtained PhD in International
Business and Strategy in 1988
from City University London, Cass
Business School.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201468
Rusmin
Komisaris IndependenIndependent Commissioner
Warga Negara Indonesia, 55
tahun. Efektif menjabat sebagai
Komisaris Independen Bank
Sinarmas setelah mendapat
persetujuan Otoritas Jasa
Keuangan (OJK) pada 19 Juni
2014, setelah sebelumnya
mendapatkan persetujuan
pengangkatan dari Rapat Umum
Pemegang Saham pada 13 Juni
2014.
Beliau meraih gelar doktor di
Curtin University of Technology
pada 2007.
Beliau mengawali karirnya pada
1982 sebagai Asisten Auditor di
Kantor Akuntan Publik Hadori&
Co, menjadi Dosen dan Kepala
Lembaga Penelitian Manajemen
dan Akuntansi di Akademi
Akuntansi yKPN pada 1985
hingga 2009, menjadi Dosen di
Universitas Teknologi yogyakarta
2009 sampai sekarang, serta
menjabat sebagai anggota Komite
Audit di BNI Sekuritas pada 2012
hingga 2014.
Karir di dunia perbankan diawali
dengan menjabat sebagai anggota
Komite Audit di Bank Windu
Kentjana Internasional pada 2009
hingga 2012.
An Indonesian citizen, 55 years
old. He has been serving as the
Independent Commissioner of
Bank Sinarmas effectively after
obtaining approval from the
Financial Services Authority (OJK)
on June 19, 2014, after obtaining
approval for appointment
beforehand through the General
Meeting of Shareholders on June
13, 2014.
He obtained Doctorate degree
from Curtin University of
Technology in 2007.
He started his career in 1982 as
an Assistant Auditor at Public
Accounting Firm of Hadori & Co.
He was once a lecturer and Head
of Management and Accounting
Research Institution in Akademi
Akuntasi yKPN from 1985 to
2009, a lecturer in yogyakarta
University of Technology in 2009
up to present, and a member of
Audit Committee at BNI Sekuritas
from 2012 to 2014.
His career in banking industry
started by serving as a member of
Audit Committee at Bank Windu
Kentjana Internasional from 2009
to 2012.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 69
PROFIL DIREKSIBoard of Directors Profile
FreenyanLiwang
Direktur UtamaPresident Director
Warga Negara Indonesia, 54
tahun. Saat ini menjabat sebagai
Direktur Utama di PT. Bank
Sinarmas Tbk. melalui Rapat
Umum Pemegang Saham 25
Agustus 2010 dan mendapatkan
persetujuan dari Bank Indonesia
24 Agustus 2010.
Mengawali kariernya pada 1986
di Tuntex Incorporation, Taipei,
Taiwan sebagai Management
Trainee. Sejak tahun 1986 hingga
1987 bekerja di PT Systex Setia
Garment sebagai Chief Dept.
of Production Control, sejak
tahun 1987 hingga 1991 pernah
menjabat sebagai Senior Quality
Control Officer & Merchandiser
di Mondial Orient Limited,
Cardex Service (Far East) Limited.
Karir di Perbankan dimulai pada
tahun 1991 hingga 2001 di PT
Bank Intenasional Indonesia Tbk,
sebagai New Accounts Manager-
Credit Card Center, dan dalam
kurun waktu 1994 hingga 2010
bergabung di Bank Internasional
Ningbo, sebagai Deputy General
Manager. Beliau memperoleh
gelar Bachelor of Art di Tamkang
Universityn, Taipei, Taiwan pada
tahun 1986.
An Indonesian citizen, 54 years old.
Currently serving as the President
Director at PT. Bank Sinarmas Tbk.
based on the resolution of General
Meeting of Shareholders on
August 25, 2010 and the approval
of Bank Indonesia on October 24,
2010.
He started his career in 1986 as
a Management Trainee at Tuntex
Incorporation, Taipei, Taiwan.
Since then he had worked at
various companies i.e as the Chief
Department of Production Control
at PT Systex Setia Garment (1986
- 1987), Senior Quality Control
Officer & Merchandiser at Mondial
Orient Limited, Cardex Service (Far
East) Limited (1987 - 1991). His
career in banking industry started
in 1993 when he joined PT Bank
Intenasional Indonesia Tbk as New
Accounts Manager-Credit Card
Center until 2001. After that, he
joined Bank Internasional Ningbo
as Deputy General Manager
(1994 - 2010). He graduated
form Tamkang University, Taipei,
Taiwan, with Bachelor of Art
degree in 1986.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201470
HeruAgusWuryanto
Direktur Unit Usaha SyariahDirector of Sharia Business Unit
Warga Negara Indonesia,
49 tahun. Diangkat sebagai
Direktur PT. Bank Sinarmas Tbk.
melalui Rapat Umum Pemegang
Saham pada 9 Maret 2006 dan
mendapatkan persetujuan dari
Bank Indonesia pada 28 Februari
2006. Selama di Bank Sinarmas,
pernah menjabat sebagai Direktur
Kredit dan Marketing, Direktur
Human Resource dan General
Affair.
Memulai karier di Astra Credit
Company pada tahun 1990. Pada
1995 bergabung dengan PT. BII
Finance Center sebagi Marketing
Manager, pada 1997 ditempat
yang sama sebagai Area Manager.
Kemudian tahun 2002 diangkat
sebagai General Manager. Sejak
2003 hingga 2006 dipercaya
sebagai Direktur PT Sinar Mas
Multifinance Menyelesaikan
pendidikan Akuntasi pada tahun
1989 dan memperoleh gelar
Sarjana Ekonomi dari Universitas
Brawijaya Malang. Beliau
memperoleh gelar Master (S-
2) dari Universitas Indonusa Esa
Unggul Jakarta, jurusan keuangan
pada 1999.
An Indonesian citizen, 49 years
old. Currently serving as Director
of PT. Bank Sinarmas Tbk. He
was appointed as the Director
of the bank through the General
Meeting of Shareholders and
approval from Bank Indonesia
on October 28, 2006. Prior to
fulfilling his current position in the
Bank he served as the Director of
Credit and Marketing, and as the
Director of Human Resources and
General Affairs.
He started his career by joining
Astra Credit Company in 1990.
After that, he joined PT BII Finance
Center as Marketing Manager
(1995) and promoted to various
position in the company such
as Area Manager (1997) and
General Manager (2002). Since
2003-2006 he joined PT Sinar Mas
Multifinance and was given the
position of Director. He finished
Accounting education in 1989
and obtained Bachelor’s degree
in Economics from Brawijaya
University Malang. His Master’s
degree in Finance was obtained
from Universitas Indonusa Esa
Unggul, Jakarta in 1999.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 71
SalisTeguhHartono
Direktur KepatuhanCompliance Director
Warga Negara Indonesia 46
Tahun. Bergabung di PT Bank
Sinarmas Tbk pada bulan
September 2005 sebagai Group
Head Credit and Marketing, dan
pada 2006 ditunjuk sebagai
Group Head Kepatuhan. Menjabat
sebagai Direktur Kepatuhan sejak
bulan Oktober 2001 dan Direktur
Independen di PT. Bank Sinarmas
Tbk. sejak bulan Juni 2014.
Mengawali kariernya di Roda Mas
Group sebagai Internal Audit pada
1992 hingga 1996. Bergabung
dengan PT Bank Internasional
Indonesia Tbk pada 1996 hingga
2001 sebagai Kepala Cabang,
kemudian melanjutkan karier di
Sinar Mas Group Agribusiness
Division sebagai Senior Manager
pada 2002 hingga 2005. Beliau
memperoleh gelar Magister
Manajemen di Universitas
Diponegoro Semarang pada 2001.
An Indonesian citizen, 46 years
old. He served as the Group Head
of Credit and Marketing, and
in 2006, he was appointed as
the Group Head of Compliance.
He has been serving as the
Independent Director of PT. Bank
Sinarmas Tbk. since June 2014.
His working experience began
with Roda Mas Group where he
worked as the Internal Auditor
from 1992 to 1996. After that,
he joined PT Bank Internasional
Indonesia Tbk as the Head of
Branch Office from 1996 to 2001.
He joined the Sinar Mas Group
Agribusiness Division as Senior
Manager from 2002 to 2005. His
Master of Management degree
was obtained from Diponegoro
University, Semarang in 2001.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201472
LoaJohnnyMailoa
Direktur Enterprise BankingDirector of Enterprise Banking
Warga Negara Indonesia, 43
tahun. Saat ini menjabat sebagai
Direktur Enterprise Banking
PT. Bank Sinarmas Tbk. Telah
bergabung dengan PT. Bank
Sinarmas Tbk. sejak 1 Oktober
2009 sebagai Group Head Kredit
dan Marketing dan diangkat
sebagai Direktur Manajemen
Risiko sejak 14 April 2010.
Memulai karier Perbankannya di
PT. Bank Internasional Indonesia
Tbk berturut-turut sebagai
Account Officer dan Team Leader
Commercial Lending pada 1997
hingga 2005, sebagai Senior
Relationship Manager pada PT.
Bank DBS Indonesia pada 2005
hingga 2007. Bergabung di
Citibank Indonesia sebagai Senior
Credit Analyst pada 2007 hingga
2009. Memperoleh gelar Bachelor
of Business dari Victoria University
of Technology, Melbourne,
Australia pada 1996.
An Indonesian citizen, 43 years
old. Currently, he serves as the
Director of Enterprise Banking
of PT. Bank Sinarmas Tbk. His
career with PT. Bank Sinarmas
Tbk. started on October 1, 2009
as the Group Head of Credit and
Marketing. He was appointed as
the Risk Management Director
snce April 14, 2010.
He started his banking career at PT
Bank Internasional Indonesia Tbk
with positions as Account Officer
and Team Leader of Commercial
Lending from 1997 to 2005.
After that, he joined Bank DBS
Indonesia from 2005 to 2007. He
then joined Citibank Indonesia as
Senior Credit Analyst from 2007
to 2009. His Bachelor of Business
degree was obtained in 1996 from
Victoria University of Technology,
Melbourne, Australia.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 73
Halim
Direktur Liabilitas dan BisnisLiabilities & Business Director
Warga Negara Indonesia, 53
tahun. Bergabung dengan PT.
Bank Sinarmas Tbk. pada 2007
sebagai Project Officer untuk
Kantor Wilayah Jatim, Bali, NTB
dan IBT. Pada tahun 2008 sampai
2011 menjadi Kepala Wilayah.
Saat ini menjabat sebagai Direktur
Operasional PT. Bank Sinarmas
Tbk. Beliau diangkat sebagai
Direktur melalui Rapat Umum
Pemegang Saham 15 juni 2012
dan Persetujuan Bank Indonesia
pada 12 maret 2012.
Mengawali karier di dunia
Perbankan pada 1986 di BDNI.
Melanjutkan karier di BII mulai
1990 hingga 2007 berturut-turut
sebagai Wakil Kepala Cabang,
Kepala Cabang, Area Bisnis
Manager, dan Area Home Loan
Manager. Memperoleh gelar
Sarjana Ekonomi Akutansi lulusan
Universitas Advent Indonesia,
Bandung pada 1985.
An Indonesian citizen, 53 years
old. He started his career with
PT. Bank Sinarmas Tbk. in 2007
as the Project Officer for Regional
Office of East Java, Bali, West
Nusa Tenggara and Eastern
Indonesia. From 2008 to 2011,
he served as the Head of Regional
Office. Currently, he serves as the
Operations Director of PT. Bank
Sinarmas Tbk. His appointment
was conducted through the
General Meeting of Shareholders
and approval from Bank Indonesia
on June 12, 2012.
He started his banking career in
1986 at BDNI. He then continued
to BII from 1990 to 2007 and
served as the Deputy Head of
Branch Office, Head of Branch
Office, Business Area Manager,
and Home Area Loan Manager.
He obtained Bachelor’s degree in
Economics majoring in Accounting
from Indonesian Adventist
University, Bandung in 1985.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201474
HanafiHimawan
Direktur Risk Management dan Human CapitalRisk Management and Human Capital Director
Warga Negara Indonesia, 55
Tahun. Bergabung dengan Bank
Sinarmas pada November 2012
sebagai Group Head Compliance.
Saat ini menjabat sebagai Direktur
Risk Management dan Human
Capital PT. Bank Sinarmas Tbk.
Diangkat menjadi Direktur
dalam Rapat Umum Pemegang
Saham pada 10 Juni 2013 dan
persetujuan Bank Indonesia pada
6 Mei 2013.
Mulai merintis karier Perbankan di
BII selama 20 tahun (periode 1987-
2007). Selama di BII, beberapa
posisi penting yang pernah dijabat
antara lain sebagai Pemimpin
Cabang, Regional Manager,
Kepala Divisi, Tim Pengelola dan
Group Head. Melanjutkan karier
di PT NISP Sekuritas mulai 2007
hingga 2011 berturut-turut
sebagai Head of Network and
Distribution Division dan Direktur.
Sebagai Direktur Utama di PT NISP
Asset Management mulai 2011
hingga 2012. Beliau memeroleh
gelar Sarjana Ekonomi, Universitas
Trisakti pada 1986.
Indonesian citizen, 55 year old.
He joined Bank Sinarmas in
November 2012 as the Group
Head of Compliance. At the
present, he serves as tne Risk
Management and Human Capital
Director of PT. Bank Sinarmas Tbk.
He was appointed as the Director
based on the resolution of General
Meeting of Shareholders on June
10, 2013 and approval from Bank
Indonesia on May 6, 2013.
He started his banking career with
BII for 20 years (1987-2007). During
his office in BII, he held several
key positions such as Head of
Branch Office, Regional Manager,
Division Head, Management Team
and Group Head. He continued
his career to PT NISP Sekuritas
from 2007 to 2011 and filled the
positions of Head of Network and
Distribution Division as well as
Director of the company. He was
appointed to fulfill the position
of President Director of PT NISP
Asset Management from 2011
to 2012. His Bachelor’s degree
in Economics was obtained from
Trisakti University in 1986
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
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Annual Report 2014 | PT. BANK SINARMAS Tbk. 75
SoejantoSoetjijo
Direktur Retail BankingRetail Banking Director
Warga Negara Indonesia, 50
tahun. Saat ini menjabat sebagai
Direktur Retail Banking PT. Bank
Sinarmas Tbk. Diangkat menjadi
Direktur dalam Rapat Umum
Pemegang Saham Luar Biasa pada
24 Maret 2015.
Beliau seorang bankir
berpengalaman yang mengawali
kariernya melalui Management
Development Program (MDP)
pada Bank Internasional Indonesia
(BII). Pada tahun 1989 - 1997 di
BII beliau berhasil menduduki
beberapa posisi seperti Account
Officer, Analis Kredit, Anggota
Tim Remedial Kredit, Wakil
Pemimpin Cabang dan Pemimpin
Cabang. Pada tahun 1997 - 2001,
beliau mengembangkan kariernya
dengan posisi Area Manager dan
Kepala Biro Kredit pada UniBank.
Kemudian beliau melajutkan
karirnya sebagai Kepala Divisi
Pemasaran dan Kredit Komersial
di Bank Kesawan. Di tahun 2004 -
2012, beliau mencapai prestasinya
dengan berhasil menduduki posisi
General Manager dan Direktur di
MNC Finance.
Dengan pengalaman yang luas di
dunia perbankan, Bank Capital
Indonesia mempercayakan
beliau untuk menjabat sebagai
Advisor dan Direktur Utama
dari tahun 2012 hingga 2014.
Beliau memperoleh gelar sarjana
akuntansi di Universitas Katolik
Parahyangan pada tahun 1990.
An Indonesian citizen, 50 years
old. Currently, he serves as the
Retail banking Director of PT. Bank
Sinarmas Tbk. He was appointed
as the Director of the Company
based on the Extraordinary
General Meeting of Shareholders
on March 24, 2015.
An experienced banker, he
started his career byu joining
the Management Development
Program (MDP) of Bank
Internasional Indonesia (BII. From
1989 - 1997 he served on various
positions at BII, such as Account
Officer, Credit Analyst, Member
of Credit Remedial Team, Deputy
Head of Branch Office, and Head
of Branch Office. From 1997 to
2001 he joined UniBank and filled
the positions of Area Manager
and Head of Credit Bureau. After
that, he continued his career
as the Head of Marketing and
Commercial Credit Division at
Bank Kesawan. From 2004 - 2012
he reached the peak of his career
through his appointment as the
General Manager and Director at
MNC Finance.
Due to his extensive experiences
in banking industry, Bank Capital
Indonesia entrusted the position
of Advisor and President Director
to him from 2012 to 2014. He
obtained Bachelor’s degree in
Accounting from Parahyangan
Catholic University in 1990.
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FrenkyTirtowijoyoSusilo
Direktur Operasional dan Teknologi InformasiOperational & Information Technology Director
Warga Negara Indonesia, 38
tahun. Saat ini menjabat sebagai
Direktur Operasional dan
Teknologi Informasi PT. Bank
Sinarmas Tbk. Diangkat menjadi
Direktur dalam Rapat Umum
Pemegang Saham Luar Biasa pada
24 Maret 2015.
Pada tahun 1998 - 2002, beliau
mengawali kariernya di USA
sebagai Banking Officer dan
Senior Credit Analyst di Legacy
Texas Bank. Beliau memperoleh
penghargaan sebagai Best
Employee pada tahun 2000.
Dan pada tahun 2002, beliau
sukses menjabat sebagai Credit
Portofolio Manager di Northern
Trust Bank. Kemudian pada
tahun 2003, beliau kembali
berkarier pada Legacy Texas Bank
sebagai Assistant Vice President
hingga tahun 2005. Pada tahun
2006, Beliau bergabung dengan
Standart Chartered Bank di
Indonesia sebagai Senior Manager
Consumer Banking Operations.
Pada tahun 2007 hingga 2014,
beliau melanjutkan kariernya
di Standart Chartered Bank di
Singapura sebagai Senior Business
Analyst Group Operational Risk
Assurance, Senior Manager
Operational Risk dan Senior
Manager CDD Operations
& Approver. Mendapatkan
gelar Bachelor of Business
Administration in Finance dari
Texas A&M University pada tahun
1998 dan Master of Business
Administration dari National
University of Singapore pada
tahun 2009.
An Indonesian citizen, 38 years
old. Currently, he fulfills the
position of Operations and
Information Technology Director
of PT. Bank Sinarmas Tbk. He was
appointed as the Director through
Extraordinary General Meeting of
Shareholders on March 24, 2015.
His career began in the US where
he worked at Legacy Texas Bank
as Banking Officer and Senior
Credit Analyst from 1998 to 2002.
He obtained an award as the Best
Employee in 2000. He succeeded
in obtaining the position as the
Credit Portfolio Manager at
Northern Trust Bank. In 2003,
he returned to Legacy Texas
Bank and served as the Assistant
Vice President until 2005. In the
following year, he joined with
Standard Chartered Bank in
Indonesia as the Senior Manager
of Consumer Banking Operations.
From 2007 to 2014, he continued
his career at Standard Chartered
Bank, Singapore, as the
Senior Business Analyst Group
Operational Risk Assurance, Senior
Manager Operational Risk and
Senior Manager CDD Operations
and Approver. His Bachelor of
Business Administration degree
majoring in Finance was obtained
from Texas A&M University in
1998, while his Master of Business
Administration degree was
obtained from National University
of Singapore, in 2009.
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MANAJEMEN SENIORSenior Management
1. Purwanto
Group Head Compliance
2. AfrianiRitassetyana
Group Head Risk Management
3. YoyoCahyadi
Group Head Treasury
4. YennyHoo
Group Head Credit Analyst
5. AnulaPutra
Group Head Retail Business
6. DarwantiJuliastutiHaryo
Group Head Audit Intern Work Unit
7.MuktionoWibowo
Group Head Micro Small Business Group
8. UntungKurniawan
Group Head Liabilities Product Development
9. SuhaimyGohandi
Group Head Information Technology
10.FeraFebriani
Group Head Operationsv
1
10
35 67
9
8
4 2
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PT. BANK SINARMAS Tbk. | Laporan Tahunan 201478
STRUKTUR GRUP PERUSAHAANCompany Group Structure
PT.SinarMasMultiarthaTbk.
Insurance Insurance Insurance
PT. Asuransi Jiwa
Sinarmas MISG (50%)
PT. Bank Sinarmas Tbk.
(53.41%)
PT. Sinar Artha Konsulindo
(100%)
PT. LIG Insurance
(30%)
PT. Asuransi Jiwa
Megalife (50%)
PT. Simas Money Changer
(100%)
PT. Asuransi Sinar Mas
(100%)
PT Asuransi Simas Net
(100%)
PT. Arthamas Konsulindo
(100%)
PT. Asuransi Sumit Oto
(48%)
Sinar Mas Insurance
(100%)
PT. Sinartama
Gunita (100%)
PT. Sinarmas Futures
(100%)
PT. Sinarmas
Sekuritas (100%)
PT. Sinarmas Aset
Management (100%)
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Multifinance Information Technology Insurance
PT. JobStreet Indonesia
(40.00%)
PT Rizky Lancar Sentosa
(100%)
PT. Sinar Mas Multifinance
(100%)
PT. Arthamas Solusindo
(100%)
PT. Wapindo Jasaartha
(100%)
Nanjing Sinar Mas &
Zijin Venture Capital
Management (60.00%)
PT. Komunindo Arga
Digital (100%)
PT. Shinta Utama
(100%)
PT. AB Sinar Mas
Multifinance (100%)
PT. Sinar Artha Inforindo
(100%)
PT. Sinar Artha Solusindo
(100%)
PT. Balai Lelang
Sinarmas (100%)
PT. Sinar Artha Trading
(100%)
PT Jakarta Teknologi Utama
(100%)
PT. Arthamas Informatika
(100%)
PT. Panji Ratu Jakarta
(21.02%)
PT. Artha Bina Usaha
(100%)
Global Asian Investment
Limited (99.80%)
PT Autopro Utama
Perkasa (100%)
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KOMPOSISI PEMEGANG SAHAMShare Ownership Composition
PemegangSahamShareholder
31Desember2014
JumlahSahamNumber of Shares
PersentaseKepemilikanPercentage of Ownership
JumlahModalDisetorAmount Paid-In Capital
PT. Sinar Mas Multiartha Tbk. 7.498.835.150 53,41% 749.883.515.000
PT. Shinta Utama 363.136.372 2,59% 36.313.637.200
Freenyan Liwang 3.714.375 0,03% 371.437.500
Halim 440.000 0,00% 44.000.000
Masyarakat / Public 6.174.042.452 43,97% 617.404.245.200
Jumlah 14.040.168.349 100% 1.404.016.834.900
PemegangSahamShareholder
31Desember2013
JumlahSahamNumber of Shares
PersentaseKepemilikanPercentage of Ownership
JumlahModalDisetorAmount Paid-In Capital
PT Sinar Mas Multiartha Tbk. 7.498.835.150 57,17% 749.883.515.000
PT Shinta Utama 363.136.372 2,77% 36.313.637.200
Freenyan Liwang 3.514.375 0,03% 351.437.500
Halim 440.000 0,00% 44.000.000
Masyarakat / Public 5.250.955.601 40,03% 525.095.560.100
Total 13.116.881.498 100% 1.311.688.149.800
PT Sinar Mas Multiartha Tbk. 57,17%
Presentase Kepemilikan Saham Tahun 2013Shares ownership percentage in 2013
Presentase Kepemilikan Saham Tahun 2014Shares ownership percentage in 2014
Masyarakat / Public 40,06%
PT Shinta Utama 2,77%
PT Shinta Utama 2,59%
PT Sinar Mas Multiartha Tbk. 53,41%
Masyarakat / Public 44,00%
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Tata Kelola PerusahaanGood Corporate Governance
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INFORMASI PEMEGANG SAHAM UTAMA DAN PENGENDALIInformation on Main and Controlling Shareholders
PTARTHAMASSOLUSINDO
PTSINARMASMULTIARTHATBK
PTSHINTAUTAMA PUBLIC
PTSINARMASMULTIARTHATBK
PT.BankSinarmasTbk.
53,41%
99,72%
2,59%
0,28%
44%
Jalur Pengendali
Connecting Lines of Controlling Shareholders
Pengendali
Controlling Shareholders
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SUMBER DAyA MANUSIAHuman Resources
PROSESREKRUTMENUntuk proses rekrutmen, Departemen Rekrutmen bekerja
sama dengan kantor cabang dan divisi secara desentralisasi
untuk memenuhi kebutuhan SDM. Selama 2014, kami telah
berhasil merekrut sebanyak 93,8% dari target man power
planning tahun 2014 yaitu 2.037 karyawan untuk kebutuhan
staf di divisi, staf operation & marketing di kantor cabang, serta
posisi-posisi pendukung lainnya. Selama kurang lebih 8 bulan,
mulai April 2014 sampai Desember 2014, PT. Bank Sinarmas
Tbk. telah merekrut 1.235 Funding Sales Officer dari 13.167
kandidat melalui wawancara eksternal.
Pencarian kandidat dilakukan secara integral, bekerja sama
dengan perguruan tinggi terbaik di seluruh wilayah Indonesia,
pelaksanaan jobfair, pemasangan iklan di bursa pencari kerja,
referensi dan website, kemudian diseleksi secara ketat dengan
RECRUITMENTPROCESSPertaining to the process of recruitment, the Recruitment
Department collaborated with branch offices and divisions to
fulfill the needs of Human Resources in a decentralized manner.
During 2014, we had recruited approximately 93.8% of the
target of man power planning in 2014, which were 2,037
employees. From this number, the Company will distribute
them to meet the needs for staff in various divisions, as well
as operation and marketing staffs in branch offices, and other
supporting positions. For the period of more-or-less 8 months,
from Apil to December 2014, PT. Bank Sinarmas Tbk. had
recruited 1,235 Funding Sales Oficer from 13.167 candidates
through the means of external interview.
The search for employee candidate was conducted in an
integral manner, that is through cooperation with several of
the best universities in Indonesia, participating in job fairs,
and advertising in various job seekers forum, references, and
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syarat-syarat tertentu agar diperoleh kandidat terbaik yang
berpotensi, berkualitas, dan unggul sesuai dengan kualifikasi
yang dibutuhkan.
Selama 2014, kegiatan perekrutan yang dilakukan di masing-
masing kantor cabang kurang lebih sebanyak 942 kegiatan,
diantaranya walk interview, job fair, campus hiring dan daily
interview. Departemen Rekrutmen memiliki 1 (satu) orang
Recruiting Champions di setiap kantor wilayah yang bekerjasama
dengan kantor cabang untuk membantu pemenuhan karyawan
dan melakukan perekrutan secara massal.
Bagi karyawan-karyawan yang baru bergabung, khususnya
bidang Marketing, tentu perlu dibekali dengan pengetahuan
mengenai produk-produk yang dipasarkan serta cara atau
teknik pemasarannya. Oleh karena itu, pada 2014 PT. Bank
Sinarmas Tbk. telah merancang suatu program agar pemasaran
mengenai produk-produk yang dikeluarkan dapat mencapai
target yang telah ditentukan, melalui proses on-boarding. Para
karyawan yang baru masuk diberikan pembekalan berupa
training dan buddy untuk membantu karyawan baru mengenal
perusahaan dan melakukan tugas kewajibannya. Proses on-
boarding ini dikontrol langsung dari kantor pusat melalui
kantor cabang/kanwil.
EVALUASISISTEMREKRUTMENDepartemen Rekrutmen senantiasa melakukan review dan
kajian secara berkala terkait dengan pengembangan sistem
rekrutmen, seleksi, dan on boarding, baik menyangkut tools
yang digunakan, maupun peningkatan kompetensi para
recruiters.
KOMPOSISIKARYAWANTotal Human Capital PT. Bank Sinarmas Tbk. pada 2014
mencapai 6.421 orang yang terdiri dari 4.778 karyawan internal
(kontrak dan tetap) dan 1.643 karyawan Non-Banking Staff
yang pengelolaannya dilakukan melalui kerja sama dengan
pihak ketiga (outsourcing).
Jumlah SDM di tahun 2014 mengalami peningkatan sebesar
23,45% jika dibandingkan dengan total Human Capital di
tahun 2013 yang berjumlah 5.201 yang terdiri dari 3.599
karyawan internal dan 1.602 Non-Banking Staff.
website. The candidates then are selected by considering
whether they have fulfilled all requirements stated by Bank
Sinarmas in order to gain the most potential, qualified, and
excellent recruits in line with our qualifications.
During 2014, the recruitment activities conducted in each
branch office were around 942 activities, such as walk-in
interview, job fair, campus hiring, and daily interview. The
Company’s Recruitment Department set 1 (one) Recruiting
Champions in each region to cooperate with branch offices
to assist with the fulfillment of employees and carry out mass
recruitment activity.
The newly joined employees, particularly in the Marketing
Department, will be equipped with knowledge on the products
of the Company as well as the technique to market the products.
Thus, in 2014, PT. Bank Sinarmas Tbk. had designed a program
to enhance the marketing process in order to reach the set
targets, namely the on-boarding process. New employees will
be given trainings and buddies to assist them in getting to
know about the Company and conducting their routines. This
on-boarding process is controlled directly from the main office
through the branch offices or regional offices.
EVALUATIONOFRECRUITMENTSYSTEMThe Recruitment Department constantly conducts review in
relation to the development of recruitment system, selection
and on-boarding processes, either related to tools utilized or
the competency improvement of all recruiters.
EMPLOYEECOMPOSITIONIn 2014, total Human Capital of PT. Bank Sinarmas Tbk. reached
6,421 employees, consisting of 4,778 internal employees
(permanent and contract) and 1,643 Non-Banking Staff in
which the management was conducted in collaboration with
the third parties (outsourcing).
This total number of Human Capital increased by 23.45%
compared to the total Human Capital of the Company in 2013
which was at 5,201 employees, consisting of 3,599 interal
employees and 1,602 Non-Banking Staff.
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The followings are the composition of employees based on
position level, educational background, agem and employment
status in 2014:
Employee’scompositionbasedonpositionlevel
In the Manager level, there was a significant increase by 2135%
from the previous year. The same as the Staff level which also
showed an increase of 38.37% from 2,481 employees in 2013
to 3,433 employees in 2014.
Employee’s composition based on educational
background
Berikut adalah komposisi karyawan berdasarkan level, latar
belakang pendidikan, usia dan status kepegawaian pada 2014:
Komposisikaryawanberdasarkanleveljabatan
NoJabatanPosition
2014 2013 2012
1 Komisaris / Commissioner 3 3 3
2 Direksi / Director 6 6 6
3 Manajer / Manager 1.307 1.077 1.008
4 Staff 3.433 2.481 2.526
5 Non Staff 1.672 1.634 1.627
KomisarisCommissioner
StafStaff
ManajerManager
DireksiDirector
NonStafNon Staff
2012
3
2013 2014
33
2012
6
2013 2014
66
2012
1.307
2013 2014
1.077
1.008
2012
3.433
2013 2014
2.481
2.526
2012
1672
2013 2014
16341627
Pada level Manager terdapat peningkatan yang cukup signifikan
sebesar 21.35%, dari tahun sebelumnya. Demikian pula pada
level staf yang telah mengalami peningkatan sebesar 38.37%
dari sebelumnya 2.481 orang menjadi 3.433 orang.
Komposisikaryawanberdasarkanlatarbelakang
pendidikan
NoLatarBelakangPendidikan
Eduction2014 2013 2012
1 Pasca Sarjana / Master Degree 74 65 60
2 Sarjana / Bachelor 3.420 2.672 2.615
3 Diploma / Diploma 712 507 506
4 SMA / High School 2.147 1.862 1.893
5 Lain lain / Others 68 95 96
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In the education front, there was an increase in the employees
who have postgraduate degree by 13.85% and employees
who have bachelor’s degree by 27.99%. With such increase
in this segment, it was expected that in the future there will
be employees with new ideas and innovations for creating
breakthrough in order to actualize the Company’s vision and
mission.
Employee’scompositionbasedonage
Despite the fact that the Bank has only been operating for 9
years, the majority of its employees - particularly in the level
of staff consists of young people that are in the age range of
PascaSarjanaMaster Degree
SMAHigh School
DiplomaDiploma
SarjanaBachelor
Lain-lainOthers
2012
74
2013 2014
65
60
2012
3.420
2013 2014
2.672
2.615
2012
712
2013 2014
507506
2012
2.147
2013 2014
1.8621.893
2012
68
2013 2014
9596
Dari sisi pendidikan, pada 2014 terdapat peningkatan pada
Level Pasca Sarjana sebesar 13.85% dan Level Sarjana sebesar
27.99%. Dengan adanya peningkatan level pendidikan ini,
diharapkan kedepan muncul karyawan-karyawan dengan
pemikiran dan gagasan-gagasan yang baru guna melakukan
terobosan-terobosan dalam mencapai Visi dan Misi perusahaan.
KomposisiKaryawanberdasarkanUsia
NoUsiaAge
2014 2013 2012
1 20 - 30 tahun / years old 4.008 3.454 3.488
2 30 - 40 tahun / years old 1.865 1.282 1.234
3 >40 tahun / years old 548 465 448
>4030-4020-30
2012
4.008
2013 2014
3.4543.488
2012
1.865
2013 2014
1.2821234
2012
548
2013 2014
465448
Dilihat dari sisi pendiriannya, PT. Bank Sinarmas Tbk. yang
baru berusia 9 tahun memiliki karyawan khususnya pada level
staf yang masih sangat muda yaitu berada pada range usia
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20-30 years old. While the ranges above it generally fills the
higher position or in the Managerial level. With the dominance
of young Human Capital, PT. Bank Sinarmas Tbk. has an
opportunity to develop the potential of its employees so as to
be able to face challenges in the business competition fairly and
able to grow and improve together with the Company.
Employee’scompositionbasedonemploymentstatus
Total permanent employees on the Bank in 2014 increase by
11.05% compared with the previous year while total contract
employees increased significantly by 65.08% from 2013.
Employee’scompositionbasedongender
20-30 tahun. Sementara range usia di atasnya, secara umum
diduduki oleh posisi-posisi yang lebih tinggi atau berada pada
level Manajerial. Dengan mayoritas Human Capital yang masih
muda, maka PT. Bank Sinarmas Tbk. masih memiliki peluang
yang sangat tinggi untuk menggali dan mengembangkan
potensi-potensi yang ada pada diri karyawan, sehingga
mampu untuk menghadapi tantangan dalam persaingan bisnis
yang sehat, serta dapat bertumbuh dan berkembang secara
bersama-sama dengan perusahaan.
KomposisiKaryawanberdasarkanstatuskepegawaian
NoStatusKaryawanEmployees Status
2014 2013 2012
1 Pegawai Tetap / Jobholder 2391 2153 1855
2 Pegawai Kontrak / Employee Contract 2387 1446 1722
3 Outsourcing 1643 1602 1593
OutsourcingOutsourcing
PegawaiKontrakEmployee Contract
PegawaiTetapJobholder
2012
2391
2013 2014
21531855
2012
2387
2013 2014
1446
1722
2012
1643
2013 2014
1602
1593
Jumlah pegawai tetap pada 2014 mengalami peningkatan
sebesar 11,05% dari tahun sebelumnya, serta jumlah pegawai
kontrak mengalami peningkatan cukup signifikan sebesar
65,08% dari pada 2013.
KomposisiKaryawanberdasarkanJenisKelamin
NoJenisKelamin
Gender2014 2013 2012
1 Perempuan / Female 2.548 2.154 2.146
2 Laki-laki / Male 3.873 3.047 3.024
3 Jumlah / Total 6.421 5.201 5.170
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 87
Laki-lakiMale
PerempuanFemale
2012
2.548
2013 2014
2.154 2.146
2012
3.873
2013 2014
3.047 3.024
PENDIDIKAN&PELATIHANDALAMRANGKAPENGEMBANGANKARYAWANPeraturan Bank Indonesia Nomor 31/310/KEP/DIR 1999
mewajibkan Bank untuk penyediaan dana pendidikan guna
pengembangan SDM. Pada 2014, Bank Sinarmas sudah
mengivestasikan dana pendidikan sebesar 5,27% dari Biaya
Tenaga Kerja, lebih dari yang diwajibkan oleh Regulator
Perbankan. Dana tersebut diinvestasikan untuk usaha-usaha
pelatihan dan pengembangan Human Capital Bank.
Seiring dengan laju perkembangan Bank, dalam rangka
pemenuhan kebutuhan SDM yang berkualitas, Learning
Center menerapkan program pendidikan dan pelatihan guna
mendukung Bank dalam mencapai kinerja yang diharapkan.
Selama 2014, program pendidikan dan pelatihan di Learning
Center terfokus pada pelaksanaan pelatihan yang bersifat
operasional atau spesifik, sertifikasi, serta pelatihan motivasi.
Learning Center Bank Sinarmas telah menyelenggarakan 15
jenis program pelatihan rutin dan 9 pelatihan pendukung
dengan total pelaksanaan sebanyak 66 kelas. Pencapaian
angka rata-rata untuk jumlah waktu pembelajaran pada 2014
sebesar 6,65 mandays per karyawan. Pencapaian ini lebih besar
dibandingkan angka rata-rata untuk training mandays pada
2013 sebesar 6.19 mandays.
Proses pembelajaran Bank Sinarmas dilaksanakan melalui
pertemuan tatap muka dan via online atau e-Learning.
Komposisi jumlah peserta program pengembangan yang sudah
dijalankan adalah sebagai berikut:
EDUCATIONANDTRAININGSINORDERTODEVELOPEMPLOYEES’SKILLSThe Regulation of Bank Indonesia Number 31/310/KEP/
DIR 1999 obliged the Bank to allocate fund for education to
develop its Human Capital in all aspects. Thus, in 2014, Bank
Sinarmas invested fund for education amounting to 5.27%
of the Employee’s Expenses, exceeded the number set by
the Regulators of Banking Industry. The fund was invested
for various efforts of training and development of the Bank’s
Human Capital.
In line with the development of the Bank and in an effort
to meet the needs for qualified Human Capital, the Bank’s
Learning Center had prepared a series of education and training
programs in order to provide support for the Bank to rach the
expected performance.
During 2014, the education and training programs that are
conducted in the Learning Center were focused on carrying out
operational trainings as well as the specific ones, improving skills
for certification process, and motivational trainings. Learning
Center of the Bank had conducted 15 routine programs
and 9 supporting trainings with total class implementations
amounting to 66 classes. The average rate of the total educating
periods in 2014 amounting to 6.65 mandays per employee.
This achievement is higher compared to the average rate of
training mandays in 2013 amounting to 6.19 mandays.
The educating process of Bank Sinarmas was implemented
through face-to-face meeting and via online or e-learning. The
composition of participants of the development programs that
had been carried out is as follows:
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201488
Routine training programs that had been implementes are as
follows:
Pelatihan/Trainings 2014 2013
Kelas/Tatap Muka / Class/Face-to-face Meeting 2.603 1.806
e-Learning 1.256 559
Jumlah 3.939 2.365
Program pelatihan rutin yang sudah dijalankan adalah sebagai
berikut:
NoJudulPelatihan
Training TitleTargetPesertaUtamaMain Participant Target
JumlahPesertaTotal Participants
1Uji Kompetensi Manajemen Resiko / UKMR level 1 - 5
Semua Pejabat Bank Sinarmas yang ditetapkan oleh Manajemen untuk memiliki sertifikasi UKMRAll Executive Officers of Bank Sinarmas that have been determined by the Management to possess UKMR Certification
336 orang/people
2 Retail Banking
Karyawan rekrutmen baru dari luar, atau dari internal guna menjadi Micro Financing Sales Officer (MFSO)New recruitment from external or internal Company to be the Micro Financing Sales Officers (MFSO)
233 orang/people
3Wakil Agen Penjual Efek Reksa Dana / WAPERD
Branch Manager (BM) dan Sub Branch Manager (SBM) 192 orang/people
4Management Development Program / MDP
Karyawan rekrutmen baru dari luar, atau dari internal untuk dipersiapkan guna menjadi Kader Pimpinan Bank Sinarmas di masa mendatangNew recruits, either from the external or the internal Company, that are prepared to be the future leaders of Bank Sinarmas
171 orang/people
5 More Precious Than Gold / MPTG
Semua Karyawan mulai dari Direksi sampai dengan level Section Head / Supervisor direncanakan secara bertahap untuk mengikuti training motivasi ini.All employees from the Board of Directors level to the Section Head/Supervisor level are planned to be given this motivational training in a gradual manner.
114 orang/people
6 Senior Funding Sales Officer / SFSO
Karyawan Funding Sales Officer (FSO) di cabang yang akan dipromosikan menjadi SFSOFunding Sales Officers (FSO) in branch offices who will be promoted to SFSO
77 orang/people
7 Credit Admin Control / CAC Staf CAC di Cabang / CAC Staff in Branch Office 72 orang/people
8 Supervisory Skill
Karyawan Customer Sales & Service Officer (CSSO), Teller serta karyawan staf back office di cabang yang akan dipromosikan menjadi SupervisorCustomer Sales & Service Officers (CSSO), Tellers and back office staffs in branch offices who will be promoted to Supervisor
60 orang/people
9 Branch Internal Control / BIC Supervisor Cabang / Branch Supervisor 57 orang/people
10 Frontliner
Karyawan rekrutmen baru dari luar, guna menjadi Customer Sales & Service Officer (CSSO), dan TellerNew recruits from external Company to be the Customer Sales & Service Officers (CSSO)
41 orang/people
11Asosiasi Asuransi Jiwa Indonesia (AAJI)
Staf marketing Funding di Cabang / Staff marketing Funding in Branch Office
40 orang/people
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 89
Bank Sinarmas conducted various training programs that may
support the employees in obtaining certifications as stipulated
in the Regulations of Bank Indonesia. One of the certification
programs that is participated by Bank Sinarmas in Risk
Management Certification. In 2014, trainings conducted by
Bank Sinarmas to prepare for Risk Management Competency
Test are as follows:
In addition, the Company also conducted several additional
training classes that support the abovementioned training
programs, namely:
NoJudulPelatihan
Training TitleTargetPesertaUtamaMain Participant Target
JumlahPesertaTotal Participants
12 Bank Officer Program (BOP)
Karyawan rekrutmen baru dari luar, guna menjadi Funding Sales Officer (FSO) Customer Sales & Service Officer (CSSO), dan Teller.New recruits from external Company to be the Funding Sales Officers (FSO), Customer Sales & Service Officer (CSSO), and Tellers.
27 orang/people
13Training Selling Techniques with Financial Planning Approach for Bank Sinarmas
Branch Manager, Subranch Manager, Relationship Manager, SFSO
25 orang/people
14 BINUS Internship Program
Mahasiswa universitas BINUS yang melakukan magang di Bank SinarmasStudents of BINUS University who conduct internship in Bank Sinarmas
10 orang/people
15Information Technology Development Program / ITDP
Karyawan rekrutmen baru dari luar, atau dari internal guna menjadi Staf Divisi Information Technology New recruits from external Company to be the Staff of Information Technology Division
10 orang/people
Bank Sinarmas menyelenggarakan program pelatihan yang
dapat membantu karyawan dalam melakukan sertifikasi sesuai
dengan yang sudah ditetapkan Peraturan Bank Indonesia. Salah
satu program sertifikasi yang diikuti oleh Bank Sinarmas adalah
Sertifikasi Manajemen Risiko. Pada 2014, pelatihan-pelatihan
yang diselenggarakan Bank Sinarmas untuk persiapan Uji
Kompetensi Bidang Manajemen Risiko adalah sebagai berikut:
NoJudulPelatihan
Training TitleJumlahPesertaTotal Participants
1 Persiapan UKMR Level 1 / Preparation of UKMR Level 1 206
2 Persiapan UKMR Level 2 / Preparation of UKMR Level 2 104
3 Persiapan UKMR Level 3 / Preparation of UKMR Level 3 22
4 Persiapan UKMR Level 4 / Preparation of UKMR Level 4 3
5 Persiapan UKMR Level 5 / Preparation of UKMR Level 5 1
Selain itu, diselenggarakan juga pelatihan-pelatihan kelas
tambahan yang mendukung program-program pelatihan di
atas, antara lain:
NoJudulPelatihan
Training TitleTargetPesertaUtamaMain Participant Target
JumlahPesertaTotal Participants
1Sosialisasi LBU dan LLD / Dissemination of LBU and LLD
Staf Back Office, Supervisor, Head Operation, Regional Operation Manager (ROM), Satuan Kerja Audit Internal (SKAI), dan Compliance / Backoffice Staffs, Supervisors, Head Operations, Regional Operation Managers (ROMs), Internal Audit Work Unit (SKAI), Compliance
200 orang/people
2Training Sistem dan Prosedur Kredit Simikro / Sharing Session with PPATK Executive Officers
Supervisor Mikro, Branch Manager, dan Sub Branch Manager / Micro Supervisors, Branch Managers, Sub-Branch Managers
141 orang/people
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201490
Learning Center also supports the On-Boarding Program by
providing education through e-Learning facility to 3 Frontliners.
Detail on the total participants that were given trainings during
2014 is as follows:
Following up the cooperation with educational institutions in
the previous year, Bank Sinarmas demonstrated its commitment
by developing similar cooperation in 2014 with several other
educational institutions, as follows:
NoJudulPelatihan
Training TitleTargetPesertaUtamaMain Participant Target
JumlahPesertaTotal Participants
3Sharing Session pejabat PPATK / Sharing Session with PPATK Executive Officers
Risk Management, Legal, SKAI, Compliance, dan Anti Fraud
75 orang/people
4
Sosialisasi Anti Fraud, Compliance, Legal & E-channel / Dissemination of Anti Fraud, Compliance, Legal & E-channel
Supervisor dan Frontliner cabang-cabang Jakarta / Supervisors and Frontliners of Jakarta Branch Offices
35 orang/people
5 Asset & Liability Management / ALMA
Direksi, Group Head, Division Head, Staf Strategic & Performance Management, Staf Treasury, dan Staf Financial Planning & Control / Board of Directors, Group Head, Division Head, Strategic & Performance Management Staff, Treasury Staff, Financial Planning & Control Staff
30 orang/people
6Training Office Attire & make up for Office
Team Leader dan Account Officer Thamrin / Team Leader and Account Officer of Thamrin Office
26 orang/people
7Analisa Pembiayaan Usaha Mikro / Analysis of Micro Enterprise Financing
Micro Financing Sales Officer (MFSO), Micro Financing Sales Supervisor (MFSS), Branch Manager (BM) dan Sub Branch Manager (SBM) / Micro Financing Sales Officers (MFSOs), Financing Sales Supervisors (MFSSs), Branch Managers (BMs) and Sub-Branch Managers (SBMs)
25 orang/people
8
First Aid (Training Keamanan dan Keselamatan Kerja) / First Aid (Occupational Safety and Security Training)
Staf dan Section Head Divisi - Divisi Kantor Pusat / Staff and Section Head of various divisions in Main Office
23 orang/people
9 Credit Assessment Training (ICRA)Team Leader, Credit Analyst, dan Risk Management / Team Leaders, Credit Analysts, Risk Management
20 orang/people
Learning Center juga mendukung program penerimaan
karyawan (On-Boarding Program), dengan memberikan
pendidikan melalui fasilitas e-Learning kepada 3 posisi
Frontliner. Total jumlah Peserta yang diberikan pembekalan
selama 2014, sebagai berikut:
NoRekrutmenBaruNew Recruitment
JumlahPesertaTotal Trainee
1 Funding Sales Officer Trainee (FSOT) 941 orang/people
2 Customer Sales & Service Officer Trainee (CSSOT) 209 orang/people
3 Teller Trainee 106 orang/people
Menindaklanjuti kerja sama dengan institusi pendidikan di
tahun sebelumnya, Bank Sinarmas menunjukkan komitmen
dengan melakukan pengembangan kerja sama serupa pada
2014 dengan beberapa institusi pendidikan, sebagai berikut:
NoInstitusiPendidikanEducation Institution
KerjasamaCooperation
1 Gadjah Mada University • Basic/General Banking Training for MDP
2 Prasetiya Mulya University • Bank Visit
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 91
NoInstitusiPendidikanEducation Institution
KerjasamaCooperation
3 Bina Nusantara University • Internship 3+1 Program
4 Boston School of Banking• MDP Recruitment• Basic/General Banking Training for MDP
• UniversitasGadjahMada, melalui kerja sama pengajaran
yang dilakukan oleh Universitas Gadjah Mada dan Bank
Sinarmas, untuk Peserta Program Training MDP 46
sebanyak 30 Peserta. Tahun 2014 merupakan awal kerja
sama antara kedua belah pihak, dan diharapkan berlanjut
di tahun-tahun berikutnya.
• PrasetiyaMulyaUniversity, melalui kerja sama pertama
dalam bentuk Bank Visit, yakni kunjungan ke Kantor
Cabang Tanah Abang - Bank Sinarmas, oleh mahasiswa
Prasetiya Mulya University jurusan Finance semester 5
yang mengikuti mata kuliah Bank Management. Dalam
kunjungan tersebut, Peserta belajar mengenai praktik
Loan Management Bank Sinarmas, kemudian dilanjutkan
pengamatan ke Banking Hall KC Tanah Abang, ke bagian
Customer Service dan Teller, dengan pengawasan dari
Branch Manager dan Head of Operation Bank setempat.
Kerja sama ini tidak menutup kemungkinan berlanjut
melalui sharing knowledge dan Best Practice dalam bentuk
kuliah oleh praktisi Bank Sinarmas di kemudian hari.
• BinaNusantaraUniversity, melalui kerja sama Program
Internship 3+1 BINUS-BSIM. Dalam program ini, mahasiswa
belajar selama 3 tahun di Bina Nusantara University,
dan pada tahun akademik terakhir mereka melakukan
internship/magang di Industri terkait. Peserta program ini
adalah mahasiswa semester 6 jurusan Computer Science
yang menjadi karyawan magang di Group IT, Bank Sinarmas,
dengan pengawasan dari 3 orang Mentor dari divisi terkait.
Peserta Internship bertugas untuk membuat program
bantu/aplikasi sesuai kebutuhan divisi/grup internal Bank
Sinarmas, sebagai Skripsi atau Tugas Akhir dari kurikulum
strata S1 di Bina Nusantara University.
• GadjahMadaUniversity, throughcooperation in lecturing
performed by Gadjah Mada University and Bank Sinarmas,
for Participants of MDP Training Program amounting to
30 participants. 2014 marked the start of the cooperation
between both parties and it is expected that the cooperation
will continue in the future.
• PrasetiyaMulyaUniversity, throughthe initialcooperation
in the form of Bank Visit, which was a visit to Bank
Sinarmas’ branch office in Tanah Abang conducted by fifth
semester students of Prasetiya Mulya University who took
Bank Management lecture. In the visitation, the participants
learned about Bank Sinarmas’ Loan Management practices
delivered by Mr. Anula Putra. The participants then visited
Banking Hall of Tanah Abang Branch Office, particularly to
the Customer Service and Teller Divisions. This activity was
supervised by the Branch Manager, Mr. Bobby Santoso,
and Head of Operations, Mr. Verdi Edwardi. In the future,
it is possible that this cooperation will be continued with
sharing knowledge and Best Practice in the form of guest
lecturing activity by Bank Sinarmas.
• Bina Nusantara University, through the cooperation in
3+1 BINUS-BSIM Internship Program. In this program, the
students will study for 3 years at Bina Nusantara University
and in their last academic year, the students will carry out
internship in the related Industry. This year, the participants
of the program were sixth semester students of Computer
Science Department that became internship employees in
the IT Group of the Bank. Their activities were supervised by
3 Mentors from the related divisions, Mr. Florian Kurniadhi,
Mr. Irwan Wijaya, and Ms. Rosalin Arsianti.
The internship participants had a responsibility to create an
application that could support the needs of internal division
of Bank Sinarmas. This program was counted as their
Final Project or Skripsi to graduate from Bina Nusantara
University.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201492
• BostonSchoolofBanking, melalui kerja sama pengajaran
untuk Peserta Program Training MDP yang dilakukan oleh
Boston School of Banking dan Bank Sinarmas. Melanjutkan
kerja sama tahun-tahun sebelumnya melalui Program
Training MDP Boston 1 sampai dengan MDP Boston 4,
maka di tahun 2014 diwujudkan melalui pengajaran untuk
MDP Pemasaran 1 dan 2.
Berikut adalah testimoni dari Peserta Internship:
“Bank Sinarmas memberikan pengalaman bekerja yang luar
biasa, kami terlengkapi dengan pengetahuan dasar Perbankan
dan pengembangan soft skills yang memadai. Di Bank Sinarmas
kami benar-benar mengaplikasikan pengetahuan kami menjadi
ketrampilan teknis nyata. Dan kami merasa nyaman bekerja di
Bank Sinarmas, karena lingkungan kerjanya yang bersahabat.”
EmPlOyEE EngAgEmEnt SEBAGAIELEMENPENTINGDALAMPROSESTRANSFORMASISebagai bagian dari upaya mendukung transformasi yang
sedang dijalankan oleh Perseroan, dukungan human capital
menjadi hal yang mutlak dilakukan dalam pengembangan
SDM. Tahun 2014 menjadi titik tolak yang progresif dari
perencanaan, pengelolaan dan pengembangan human capital
untuk diarahkan pada peningkatan kinerja Bank Sinarmas.
• Boston School of Banking, through teaching cooperation
with the Participants of MDP Training Program between
Boston School of Banking and Bank Sinarmas. Following
up the previous years’ program, i.e MDP Training Program
of Boston 1 to Boston 4; thus, in 2014 the program was
expanded with the MDP Marketing 1 and 2.
This is a testimonial from one of the participants of Internship
program:
“Bank Sinarmas provided an extraordinary working experience.
We are provided with basic knowledge on Banking industry and
adequate trainings to develop our soft skills. At Bank Sinarmas,
we really apply our knowledge and hone it into real technical
experiences. We find comfort in working with Bank Sinarmas
because of the hospitable work environment.”
EMPLOYEEENGAGEMENTASTHEKEYELEMENTINTRANSFORMATIONPROCESSAs a part to support the transformation of the Company, Human
Capital development must be carried out. Hence, the year of
2014 marked as a progressive turning point for the planning,
management, and development of Human Capital that was
directed for performance enhancement of Bank Sinarmas.
Semua staf dan manajemen Bank Sinarmas memiliki kesamaan visi dan komitmen untuk menjadi mitra terbaik bagi nasabah.
All staffs and managements of Bank Sinarmas have the common vision and commitment to becoming the best partners for the customers.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 93
Strategi pengembangan di bidang Human Capital telah
diselaraskan dengan visi dan strategi Perseroan dari seluruh
tahapan lifecycle yang dimulai dari pengembangan organisasi
(Organizational Development) hingga pengelolaan talent
dan suksesi (Talent Management & Succession). Dalam
hal pengelolaan talent, Bank Sinarmas berfokus pada
pembangunan karakter dan budaya kepemimpinan yang
mendukung transformasi, serta peningkatan peran pemimpin
sebagai leaders dan managers di setiap unit kerja.
Berpegang pada dasar-dasar kriteria dan profil talent
yang telah disusun pada tahun sebelumnya, Bank telah
melaksanakan pemetaan potensi secara menyeluruh terhadap
para pemimpin Bank melalui kegiatan asesmen. Tahun 2014
telah disempurnakan pula sistem Performance Management
melalui Key Performance Indicator (KPI) bagi pejabat-pejabat
Cabang yang disesuaikan dengan perkembangan bisnis terkini
Bank. Komponen potensi dan KPI menjadi sumber yang
komprehensif dalam proses pengelolaan kinerja karyawan yang
akan diarahkan dalam proses suksesi.
Penekanan program engagement telah difokuskan sejak 2013
dan akan terus dilanjutkan pada 2015 mendatang. Program ini
akan dimulai dengan kegiatan survey employee engagement
yang dilakukan secara internal di bagian pengembangan.
Strategy for the development of Human Capital had been
aligned with the Company’s vision and strategy, started from
the Organizational Development to the Talent Management
& Succession. In terms of talent management, Bank Sinarmas
focused on character development and improvement of
leadership culture that supported transformations, as well as
improvement of leaders’ roles as the managers in each work
unit.
By upholding the basics of talent criteria and profiles that had
been compiled in the previous year, Bank Sinarmas had mapped
the overall potentials of Bank’s leaders through an assessment
activity. The Bank had improved Management Performance
system in 2014 through the Key Performance Indicator (KPI) that
is applied to all executive officers of Branch Office and has been
adjusted to the most recent business development of the Bank.
The potential components and KPI served as comprehensive
sources in employee’s performance management process that
was directed to the succession process.
Focus on engagement program had been carried out since 2013
and will be continued to 2015. This program will be started
with employee engagement survey activity that is performed
internally as a part of development process. It is expected that
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201494
Diharapkan pada hasil akhir survey akan menghasilkan program
implementasi lanjutan peningkatan level of engagement setiap
karyawan.
Selain itu, dalam rangka meningkatkan kepedulian terhadap
kesejahteraan karyawan dan mempertahankan karyawan yang
potensial, maka pada 2014 ini Bank berpartisipasi sebagai
peserta dalam mengikuti Reward Survey yang diselenggarakan
oleh konsultan bertaraf international, yang bertujuan agar
Bank memiliki perbandingan kompensasi dan benefit yang
lebih terkini sehingga dapat digunakan untuk memperbarui
strategi reward Bank Sinarmas, dan dapat menjadi landasan
penyusunan kompensation benefit yang lebih kompetitif.
KESEJAHTERAANKARYAWANUntuk mendukung kegiatan usaha, Perseroan memastikan
berjalannya sistem pengelolaan Human Capital (HC) dengan
baik, termasuk tentang pemberian kompensasi dan benefit
untuk memastikan kesejahteraan karyawan. Terkait dengan
kesejahteraan karyawan, fasilitas dan benefit yang diberikan
kepada karyawan, antara lain:
• TunjanganJabatan;
• TunjanganDaerahKhusus;
• TunjanganPenugasanSementara;
• TunjanganCutiBesar;
• Tunjangankesehatan;
• TunjanganPernikahan;
• JasaProduksidanTunjanganHariRaya;
• Kendaraandinasdanpemeliharaannya;
• Alatkomunikasidanpenggantianpulsa;
• Pinjamandenganbungarendah;
• BPJSKetenagakerjaan;
• BPJSKesehatan.
the survey will result in an improvement program to raise the
level of engagement of each employee.
Moreover, as an effort to improve the Bank’s awareness of the
employee’s welfare and to maintain potential employees,in2014
the Bank participated in Reward Survey program that was
conducted by international consultants. Its purpose was for the
Bank to have the most recent benchmark for compensation and
benefit values that can be utilized to update Bank Sinarmas’
reward strategy and to be the basis for drafting a more
competitive benefit compensation for the employees.
EMPLOYEE’SWELFARETo support business activities, the Company ensures that
the management system of Human Capital (HC) is running
effectively, including the provision of compensation and benefit
for employee’s welfare. Pertaining to the welfare of employee,
facilities and benefits that are given to all employees are as
follows:
• PositionAllowance
• SpecialRegionAllowance
• TemporaryDutyAllowance
• GrandLeaveAllowance
• HealthAllowance
• MarriageAllowance
• ProductionServiceandReligiousDayAllowance
• Vehiclesfordutyanditsmaintenance
• Communicationdeviceandphonecredit
• Loanwithlowinterest
• Employment Social Security Administrative Bodies (BPJS
Ketenagakerjaan)
• HealthSocialSecurityAdministrativeBodies(BPJSKesehatan)
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 95
BINUS-BSIM3+1INTERSHIPPROGRAM
“Selama masa training di Bank Sinarmas, saya mendapatkan
banyak sekali wawasan yang selama ini belum saya dapat.
Pihak Learning Center (LC) memberikan training seputar
pengetahuan umum tentang bank. Tenaga pengajarnya
pun langsung dari praktisi yang bergerak di bidang mereka,
sehingga dalam proses pengajaran saya dapat dengan cepat
menyerap wawasan tersebut.
Pihak LC tidak hanya memberikan training perihal bank
saja. Mereka menyediakan training untuk kemampuan
softskill, seperti presentation skill, basic leadership, dan
project management. BSIM mengetahui bahwa untuk
dapat membentuk sumber daya manusia yang cerdas, tidak
hanya pintar dalam hardskill saja, melainkan juga harus
mengembangkan softskills mereka.” - MarcelloDwianto
“Exactly one year as the internship participant in Sinarmas Bank
was a great and valuable experience. It was our very first step
into the real industry world and the company gave us many
insights and learning. Most importantly, is the value. The
company’s values that we adopted, we will always be keeping
those values in our journey. Those values will lead our journey
ahead, and that makes our deepest gratitude to Sinarmas Bank
will never fade. Thank you for everything :)”
-FannyAndriani
BINUS-BSIM3+1INTERSHIPPROGRAM
“The training period at Bank Sinarmas, I got lots of knowledge
that I never even know before. The Learning Center (LC) gave
me various trainings regarding general knowledge about
banking industry. The lecturers were various practitioners who
were very experienced in their fields. So, I was able to quickly
learn and absorb the lessons that were given
.
The LC provided me not only with training about bank, but
also various soft skill trainings such as presentation skill, basic
leadership, and project management. BSIM understands that
in order to create smart human resources, hard skill is not the
only ability needed, but also the soft skill that can support the
employeesí performance.” - MarcelloDwianto
“Exactly one year as the internship participant in Sinarmas Bank
was a great and valuable experience. It was our very first step
into the real industry world and the company gave us many
insights and learning. Most importantly, is the value. The
company’s values that we adopted, we will always be keeping
those values in our journey. Those values will lead our journey
ahead, and that makes our deepest gratitude to Sinarmas Bank
will never fade. Thank you for everything :)”
-FannyAndriani
TESTIMONI KARyAWANTestimonials From Employees
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201496
TESTIMONI MITRA USAHATestimonials from Business Partners
Nama Debitur / Debtor Name : YayukSupriyanti, 44 Tahun/ years Old
Menjadi Debitur Sejak / A debtor since : 2014
Kantor Cabang / Branch Office : Salatiga
Usaha / Business : WarungMakanBu’eSasa
Alamat / Address : Jl. Karang Duwet RT.009 RW.011
Salatiga
“Atas bantuan dari Bank Sinarmas sekarang usaha saya lancar
lho. Alhamdulilah semakin laris dan banyak yang cocok dengan
masakan saya. Semoga rezeki yang telah diberikan Allah SWT
kepada saya melalui Bank Sinarmas ini dapat memberikan
kelancaran juga kepada Bank Sinarmas Salatiga. Maturnuwun
kagem sedaya mas mba saking Bank Sinarmas Salatiga”
Ibu yayuk Supriyanti memiliki semangat tinggi dan pantang
menyerah. Ide awal usaha yang didirikan istri dari bapak Sugeng
Hariyadi ini berasal dari keterbatasannya dalam memenuhi
kebutuhan keluarga karena sang suami hanya berprofesi
sebagai buruh. Sisa tanah yang dimilikinya dimanfaatkan
untuk dijadikan warung kecil, namun tetap nyaman bagi para
pelanggannya.
Warung Makan yang buka dari pukul 08.00 - 20.00 WIB
ini mampu memberikan omzet rata-ata per hari sebesar
Rp500.000-Rp600.000. Bu yayuk dibantu oleh 2 pegawainya
yang masih tetangga satu kampung sebagai juru masak dan
juru minum, yang upahnya diberikan secara harian.
Berawal dari brosur saat canvasing tim mikro Bank Sinarmas
Salatiga, ibu yayuk langsung menyatakan minatnya untuk
bergabung menjadi keluarga Bank Sinarmas Salatiga karena
didasarkan dengan niatnya untuk merenovasi lokasi usaha
serta menambah modal usaha agar menu masakan dapat
lebih bervariasi pilihannya. Setelah menerima tambahan
modal tersebut, Bu yayuk merenovasi warung makannya agar
terlihat lebih eyecatching sehingga menarik para pelanggan
dan menambah menu yang semakin beragam membuat para
pelanggan tidak bosan-bosan untuk singgah sejenak.
“With Bank Sinarmas’ help, my business is running well now.
Thank God, many people love my food. I hope this blessing
from Him through Bank Sinarmas will also be extended to Bank
Sinarmas Salatiga. Maturnuwun kagem sedaya mas mba saking
Bank Sinarmas Salatiga (Thank you very much for all personnel
of Bank Sinarmas Salatiga).”
Unyielding commitment, coupled with high spirits, encouraged
Ms. yayuk Supriyanti to develop its small business. The idea for
small establishment of the wife of Mr. Sugeng Hariyadi initially
came when she realized her limitations in meeting her family
needs due to her husband’s profession as a mere laborer. Thus,
she utilized the little space of land in the house and established
a small, but cozy food stall.
The food stall which opens from 8 am to 8 pm is abel to provide
average turnover amounting to Rp500,000 - Rp600,000 per
day. Ms. Supriyanti is assisted by 2 of her neighbors as the cook
and cupbearer and they are paid daily.
After seeing the brochure that was distributed in the canvassing
activity of the micro team of Bank Sinarmas Salatiga, Ms.
Supriyanti quickly decided that she wanted to join with the
Bank. Her decision was based on the intention to renovate
her stall and to expand her working capital so that the menu
served at the stall could be more varied. After receiveing the
additional capital, she renovated her food stall so as to be
more eyecatching and able to attract more customers. She also
diversified the food that was sold at the stall; thus her customers
would not be bored with her food and would always come.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 97
“Dengan adanya program pinjaman dari Bank Sinarmas, hutang
dari bank lain tertutupi sehingga angsuran yang sebelumnya besar
dapat diperkecil.”
Bapak Widodo, lahir di Klaten, 21 Januari 1976, merupakan anak
pertama dari lima bersaudara. Putra dari Bapak Kardi dan Ibu
Suliyem saat Ini menjabat sebagai ketua dari KUD Anggrek. Pria
yang merupakan Sarjana Ekonomi Manajemen, Universitas Islam
Riau, saat Ini lebih fokus ke bidang usaha yang berhubungan
dengan bisnis perkebunan kelapa sawit.
Selain memiliki beberapa kebun kelapa sawit (baik yang bekerja
sama dengan Bank Sinarmas maupun pribadi), Bapak Widodo juga
memiliki bidang usaha penampungan buah serta usaha di bidang
transportasi buah kelapa sawit. Bapak dari 2 orang putri (Diah ayu
pratiwi Dan Ika putri wulandari) selalu didampingi oleh sang istri
yang bernama Ibu Susi Aningsih dalam menjalankan tugasnya
sebagai ketua KUD dan juga wirausaha perkebunan kelapa sawit.
Menurut Bapak Widodo, awalnya kondisi KUD cukup
memperihatinkan di mana selain ada pinjaman lembaga (untuk
pembangunan kantor maupun usaha mini market), anggota di
bawah KUD Anggrek juga mengalami masalah ekonomi yang
belum mencukupi kehidupan rumah tangganya karena besarnya
angsuran di bank lain. Saat ini, kondisi keuangan KUD telah relatif
lebih stabil dan masyarakat khususnya di bawah KUD Anggrek
telah banyak melakukan investasi pada lahan perkebunan.
Bapak Widodo sangat berterimakasih kepada Bank Sinarmas atas
bantuan yang diberikan selama ini dan Beliau sangat berharap kerja
sama yang telah terjalin sangat baik selama Ini dapat berkelanjutan.
Selain di lokasi KUD anggrek yang telah dipasang mesin ATM Bank
Sinarmas, Bapak Widodo juga berharap program payroll anggota
dapat di-handle oleh Bank Sinarmas, selain itu dari Bank Sinarmas
juga menyediakan program pengembangan KUD.
“With the loans from Bank Sinarmas, I can settle debts on other
banks and the large installments can be minimized.”
Mr. Widodo, born in Klaten on January 21, 1976, is the first child
of five, son of Mr. Kardi and Ms. Suliyem, and currently is the head
of KUD Anggrek. He graduated from the Islamic University of Riau
with a degree in Economics, and at the present he focuses all his
attention to his business which is related to oil palm plantations.
In addition to owning several oil palm plantations (either in
cooperation with Bank Sinarmas or personally owned), Mr.
Widodo also owns business of fruit holding and business in the
field of oil palm fruit transportation. Mr. Widodo is the father of 2
daughters (Diah Ayu Pratiwi and Ika Putri Wulandari) and is always
accompanied with Ms. Susi Aningsih n conducting his duties as the
Head of KUD (Koperasi Unit Desa / Village Cooperatives) and in
running his oil palm business.
According to him, the condition of the KUD in the beginning
was quite poor. In addition to big loans (for the establishment of
office and mini market), several members of KUD Anggrek also
suffered from economic problems and could not meet the needs
of their families due to the large amoung for installments in other
banks. Fortunately, the condition of KUD nowadays has been
relatively stable. The members of KUD are also benefited and make
investments in plantation business.
Mr. Widodo is very grateful to Bank Sinarmas for the aid and help
given to him and KUD Anggrek. He hopes that the partnership
nurtured nowadays wil bring more sustainable benefits in the
future. Aside from providing ATM unit of Bank Sinarmas which
was positioned at the KUD, Mr. Widodo also hopes that the payroll
program for the members can be handled as well by Bank Sinarmas,
in addition to the KUD development program from the Bank.
Nama Debitur / Debtor Name : Widodo, 38 Tahun/ years Old
Menjadi Debitur Sejak / A debtor since : 2014
Kantor Cabang / Branch Office : -
Usaha / Business : KUDAnggrek
Alamat / Address : -
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201498
The management is aware of the fact that Information
Technology is one of the most essential factors in banking
business, either in operations or non-operations. During
2014, Bank Sinarmas continues to improve the performance
of IT Department so as to be able to support the continuous
development and improve the competitiveness of the Bank.
Focus of the IT development during the year was on the
improvement of work effectiveness and efficiency that was
oriented to customers’ interests.
In an effort to actualize the vision to be the leading Bank in
Indonesia, Bank Sinarmas continues to develop Information
Technology segment in accordance with the Bank’s IT Strategic
Plan (ITSP).
IT development that had been carried out throughout 2014, in
line with the ITSP road map, are as follows:
TEKNOLOGI INFORMASI Information Technology
Manajemen menyadari bahwa Teknologi Informasi sangat
berperan besar dalam kegiatan perbankan baik operasional
dan non operasional. Selama 2014, Bank Sinarmas terus
meningkatkan kinerja unit kerja IT sehingga dapat terus
mendukung perkembangan Bank yang dapat meningkatkan
daya saing Perusahaan. Teknologi yang diimplementasikan
berfokus pada peningkatan efektifitas dan efisiensi kerja, serta
yang berorientasi pada nasabah.
Dalam rangka mewujudkan cita-cita perusahaan untuk menjadi
Bank terkemuka di Indonesia, Bank Sinarmas terus melakukan
pengembangan Teknologi Informasi secara berkelanjutan
sesuai dengan IT Strategic Plan (ITSP) Bank.
Pengembangan-pengembangan IT yang telah dilakukan selama
2014 sesuai dengan roadmap ITSP, antara lain adalah sebagai
berikut :
No JenisPengembanganIT/ Type of IT Development
1 Mengembangkan dan meningkatkan fitur e-channel untuk semakin meningkatkan pelayanan dan memberikan kemudahan bagi nasabah dalam bertransaksi, antara lain:
Improving and developing e-channel features in order to enhance service to the customers and facilitate their transactions, such as:
a. EnhancementInternet BankingNasabah Bank sudah dapat melakukan Pembukaan Rekening Tabungan melalui Internet Banking Bank Sinarmas, kapanpun dan dimana saja tanpa harus datang ke Cabang. Selain itu nasabah yang memiliki produk investasi dapat melihat informasi posisi saldo/portfolio produk investasi yang dimiliki melalui Internet Banking Bank Sinarmas, tanpa harus datang ke Cabang-Cabang perusahaan investement dimana nasabah tersebut membeli produk.Customers of the Bank have been able to open a Savings Account via Internet Banking Bank Sinarmas, anytime and anywhere without having to come to the Branch. In addition, customers who have investment products can obtain information on the position of balance / owned portfolio investment products through Internet Banking Bank Sinarmas, without having to come to Branch Offices of investments company where the customers purchased the products.
b. EDC/POS Bank SinarmasBank Sinarmas menyediakan mesin EDC/POS (Acquirer) yang ditempatkan tersebar di toko-toko di seluruh indonesia sehingga nasabah dapat melakukan pembayaran menggunakan Kartu Kredit dan Kartu Debit Bank Sinarmas (On Us) ataupun menggunakan Kartu Kredit dan Kartu Debit yang diterbitkan oleh Bank lain (yang memiliki logo VISA & Union Pay).Bank Sinarmas provided EDC/POS (Acquirer) machine positioned in various stores across Indonesia Bank Sinarmas provide EDC / POS (Acquirer) placed in shops scattered throughout Indonesia so that customers can make payments using Credit Card and Debit Card of Bank Sinarmas (On Us) or Credit Card and Debit Card of other banks (with the logo of VISA & China Union Pay).
c. ATM Non Tunai (KiosK)Menyediakan layanan mesin ATM Non Tunai (KiosK) yang berfungsi sama seperti mesin ATM sehingga memudahkan bagi nasabah yang lebih banyak melakukan transaksi non tunai (info saldo, transfer, pembayaran tagihan, dll).Provision of Non-Cash ATM (KiosK) service with the same function as ordinary ATM to facilitate the customers who want to perform non-cash transaction (balance information, transfer of money, billing payments, etc.)
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 99
No JenisPengembanganIT/ Type of IT Development
d. CDM/BRMMenyediakan layanan mesin setor tunai yaitu Cash Deposit Machine (CDM)/Bill Recycling Machine (BRM) sehingga nasabah dapat melakukan setoran tunai tanpa harus datang ke Kantor Cabang dan dapat dilakukan kapan saja (24 jam), selain itu nasabah juga dapat melakukan penarikan tunai.Provision of Cash Deposit Machine (CDM)/Bill Recycling Machine (BRM) so that the customers may be able to deposit their money at anytime (24 hours) without having to come to Branch Offices. In addition, the customers may also perform cash withdrawal with these machines.
e. Kartu ATM+Debet Union Pay (Issuing)Bank telah bekerja sama dengan jaringan Union Pay sebagai penerbit kartu ATM+Debet sehingga nasabah dapat melakukan transaksi di seluruh mesin ATM ataupun EDC/POS yang memiliki logo UP.Through the cooperation between the Bank and China Union Pay, the Bank has been given the authority to issue ATM+Debit card for the customers so that they may conduct banking transaction on all ATMs or EDC/POS machines that have the logo of CUP on it.
f. Bekerja sama dengan Union Pay sebagai Acquirer Kartu Debet dan Kartu Kredit / Cooperate with China Union Pay as Acquirer of Debit Card and Credit Card.
Mesin ATM Bank Sinarmas saat ini sudah dapat melayani transaksi kartu debet dan kartu kredit nasabah Bank Sinarmas ataupun nasabah Bank lain yang memiliki logo UP.At present, Bank Sinarmas’ ATMs are able to serve debit and credit transaction of the Bank’s customers as well as customers of other banks that have partnered with CUP.
2 Implementasi sistem S1 CS Syariah / Implementation of S1 CS Sharia system
Dalam meningkatkan pelayanan dan kegiatan operasional perbankan Syariah (Unit Usaha Syariah), maka Bank telah menyiapkan sistem Customer Service Syariah.In order to improve operational Sharia banking service and activities (Sharia Business Unit), Sharia Customer Service System has been prepared by the Bank.
3 Enhancement Bill Payment Bank secara terus menerus mengembangkan layanan bill payment yang dimiliki dengan terus meningkatkan kerja sama dengan biller-biller. Nasabah saat ini sudah dapat melakukan pembelian tiket seperti top up travel agent (Lion Air) dan top up BLITZ Card.Bill Payment dapat dilakukan melalui seluruh channel Bank Sinarmas (Internet Banking, Phone Banking, Mobile Banking, ATM, dan Counter Teller di Cabang).The Bank constantly develops its bill payment service through improving the cooperation with billers. At present, the Bank’s customers are able to purchase tickets such as top up travel agent (Lion Air) and to top up BLITZ Card. Bill payment can be conducted through all channels of Bank Sinarmas (Internet Banking, Phone Banking, Mobile Banking, ATM, and Counter Teller at Branch Offices).
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014100
No JenisPengembanganIT/ Type of IT Development
4 Implementasi Sales Management System / Implementation of Sales Management System
Menyediakan system (Lead Management System, Incentive Management System) untuk mengelola prospek nasabah dan pipeline, sales life cycle, sales resources, kinerja sales dan perhitungan incentive. Dengan demikian dapat meningkatkan produktivitas sales force, proses lebih efektif dan efisien, kinerja sales dapat terpantau dengan baik, insentif dapat dihitung sesuai achievement, dan relationship management terhadap nasabah dapat terkelola dengan baik sehingga kepuasan dan loyalty nasabah meningkat.Provision of Lead Management System and Incentive Management System to manage customers’ outlooks and pipeline, sales life cycle, sales resources, sales performance and incentive calculation. Therefore, productivity of sales force can be improved, sales process can be more effective and efficient, sales performance can be well-monitored, incentive can be calculated in accordance to the achievement, and relationship management to the customers can be well-managed. Hence, customers’ satisfaction and loyalty can improve.
5 Monitoring Center Membangun ruang monitoring untuk Network Operation Center (NOC) sehingga seluruh system dan network infrastructure dapat dimonitor selama 24/7 dan setiap permasalahan dapat ditangani dan dieskalasi dengan cepat untuk mencapai service level.Establishing monitoring room for Network Operation Center (NOC) so that all systems and network infrastructure can be monitored 24/7 and all problems can be handled and settled quickly in order to achieve service level.
TATAKELOLATEKNOLOGIINFORMASITata kelola TI dimaksudkan sebagai pola dari otoritas atau
kebijakan terhadap aktivitas TI. Pola ini diantaranya adalah
membangun kebijakan dan pengelolaan IT Infrastructure,
penggunaan TI oleh end-user secara efisien, efektif dan aman,
serta proses IT Project Management yang efektif.
Tata kelola TI membangun suatu sistem dimana semua
pemangku kepentingan, termasuk Direksi dan Komisaris serta
pengguna internal dan bagian terkait seperti bagian keuangan,
dapat memberikan masukan yang diperlukan untuk proses
pengambilan keputusan. Dengan adanya tata kelola TI yang
baik yang berjalan di dalam suatu Perusahaan, maka puluhan
IT Process (IT Activities) yang dijalankan dapat berjalan secara
sistematis, terkendali dan efektif. Bahkan dapat secara efisien
mengurangi biaya operasional dan meningkatkan daya saing.
Oleh karena itu aspek tata kelola TI merupakan bagian dari
rencana strategis TI yang akan selalu dievaluasi dan ditingkatkan
secara berkesinambungan sehingga dapat selalu mendukung
strategi Perusahaan.
PENGEMBANGANHUMANCAPITALBIDANGITAspek pengembangan karyawan terus dikembangkan dengan
implementasi e-learning secara berkesinambungan, serta
komunikasi yang semakin solid di internal Bank dengan adanya
INFORMATIONTECHNOLOGYGOVERNANCEIT governance is intended as a pattern of authorities or
policies for IT Activities. The pattern encompasses policies
and management of IT Infrastructure, efficient, effective and
safe utilization of IT by end-user, as well as effective IT Project
Management process.
IT governance constructs as system in which all stakeholders,
including the Board of Directors and Board of Commissioners,
as well as internal user as related sections, such as finance, can
provide inputs that are required for decision making process.
With good IT governance in a company, numerous IT Processes
and IT Activities can be performed systematically in a controlled
and effective manner. It may also reduce operating cost
efficiently and enhance competitiveness. Hence, the aspect of
IT management serves as the part of IT strategic plan which
will constantly be evaluated and improved so as to be able to
continuously support the Company’s strategies and business
activities.
DEVELOPMENTOFITHUMANCAPITALThe aspect of employee development continues to be carried
out with the sustainable implementation of e-learning as well
as solid communication among the Bank’s internal through
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 101
fasilitas portal/chatting yang dikoordinasikan dengan help
desk yang tersentralisasi. Perusahaan juga selalu memberikan
training yang relevan kepada karyawan IT baik softskill maupun
hardskill untuk selalu meningkatkan kompetensi dari karyawan
IT. Selain itu dalam memenuhi Human Capital di unit kerja IT,
Bank melaksanakan program kaderisasi karyawan baru melalui
IT Development Program (ITDP) untuk mendidik calon-calon
karyawan IT dan mendapatkan Human Capital yang tepat.
RENCANASTRATEGIS2015Dalam memasuki tahun 2015, Bank Sinarmas telah menyiapkan
rencana strategis teknologi informasi untuk semakin
meningkatkan pelayanan kepada nasabah serta mendukung
kegiatan bisnis dan operasional Bank. Rencana strategis ini
mencakup seluruh aspek yaitu Organisasi dan IT Governance,
Aplikasi, dan Infrastruktur IT.
Organisasi & IT Governance
1. Bank akan terus melakukan sosialisasi Visi dan Misi IT
kepada seluruh karyawan IT sehingga layanan IT akan selalu
selaras dengan Visi dan Misi Bank Sinarmas.
2. Meningkatkan manajemen proyek IT sehingga proyek-
proyek yang telah direncanakan berjalan sesuai roadmap IT.
3. Bank akan terus meningkatkan kualitas layanan IT terhadap
bisnis untuk memastikan Service Level Agreement yang
memuaskan.
4. Memastikan kecukupan kebijakan dan prosedur
penggunaan IT dengan meningkatkan proses kontrol,
review, sosialisasi serta pengkajian secara berkala terhadap
kebijakan-kebijakan IT.
Aplikasi:
1. Enhancement dan improvement sistem ATM Switching
& sistem Middleware Bank untuk mendukung enterprise
ready, stability, robust dan memiliki support yang baik,
pengamanan yang memadai dan telah memenuhi standard/
sertifikasi industry (PCI DSS) dan regulasi Bank Indonesia
(NSICCS).
2. Enhancement layanan internet banking dengan
mengembangkan sistem corporate internet banking
sehingga memberikan kemudahan bagi nasabah korporasi
untuk bertransaksi tanpa harus datang ke Cabang. Selain
itu juga melakukan enhancement terhadap sistem/platform
yang digunakan.
portal/chatting facility that is coordinated with a centralized
help desk. The Company also provided relevant trainings to
all IT employees, either soft skill or hard skill to improve the
competencies of IT employees. Furthermore, as an effort to
meet the demand for Human Capital in IT Division, the Bank
conducts IT Development Program to educate new employees
of IT Division in order to obtain the proper and qualified Human
Capital.
STRATEGICPLANSFOR2015As the Bank enters 2015, strategic plans for information
technology have been prepared to improve service to the
customers as well as to support the Bank’s business activities
and operations. This strategic plan encompasses all IT aspects,
namely Organization and IT Governance, Application, and IT
Infrastructure,
Organization and IT Governance
1. The Bank will continue to disseminate IT Vision and Mission
to all IT employees so that IT services will always be aligned
with the Vision and Mission of Bank Sinarmas.
2. Improve IT project management so that all planned projects
can be implemented according to the IT road map.
3. The Bank will continue to improve IT service quality to
the business in order to ensure a satisfying Service Level
Agreement.
4. Ensure the adequacy of IT policies and procedures by
improving control process and dissemination, as well as
periodical review on IT policies.
Application:
1. Enhancement and improvement of ATM Switching system
& Middleware system of the Bank to assist enterprise ready,
stability, robust well, as well as to have good support,
adequate safety and have fulfilled industry standards/
certifications (PCI DSS) and Bank Indonesia’s regulations
(NSICCS).
2. Enhancement of Internet Banking service by developing
corporate Internet banking system so that the corporate
customers’ transaction activities will be facilitated without
having to come to Branch Office. In addition, enhancement
is also conducted on the systems/platforms used by the
Bank.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014102
3. Mengembangkan dan menyediakan sistem untuk
mendukung kegiatan operasional dan bisnis Bank yang
efektif dan efisien serta mendukung pelaporan dan
pemenuhan persyaratan regulator, seperti : implementasi
Enterprise Data Warehouse/Business Intelligence, Sistem
Rekonsiliasi, Sistem Pelaporan Bank berbasis XBRL.
4. Melakukan upgrade dan enhancement sistem front end
Teller dan Customer Service untuk meningkatkan pelayanan
kepada nasabah.
Infrastruktur IT :
1. Terus meningkatkan security sesuai dengan standard best
practice yang antara lain meliputi infrastructure security,
application security, security management dan security
review atas seluruh kebijakan dan prosedur IT.
2. Meningkatkan manajemen infrastruktur IT sesuai dengan
standard technology best practice seperti capacity planning
sehingga dapat mencapai service level bagi user dengan
cara ‘cost effective’.
3. Meningkatkan proses monitoring dan performance tuning
sebagai langkah proaktif (mencegah permasalahan)
maupun reaktif (menyelesaikan permasalahan) untuk
mencapai service level sesuai kebutuhan bisnis.
3. Develop and provide a system to support the effectiveness
and efficiency of Bank’s operations and business activities,
as well as to support reporting and fulfillment of regulators’
requirements such as implementation of Enterprise Data
Warehouse/Business Intelligence, Reconciliation System,
and XBRL-based Bank’s Reporting System.
4. Upgrade and enhance the frontend Teller and Customer
Service system to improve service quality to the customers.
IT Infrastructure:
1. Improving security in accordance with the best practices
standards, that encompasses, among others, infrastructure
security, application security, security management and
security review over all IT policies and procedures.
2. Improving IT infrastructure management in accordance
with the best practice technology standard such as capacity
planning, so as to be able to reach service level for users in
a cost-effective manner.
3. Improving monitoring process and performance tuning
process as proactive steps (to prevent problems) and
reactive steps (to settle problems) in order to reach service
level in accordance with business requirements.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 103
As of 2014, PT. Bank Sinarmas Tbk. owned 382 Offices spread
over the 34 provinces in Indonesia, in more than 157 cities.
It is planned that the Bank’s offices will increase in line with
its business expansion plan. The Bank conducted expansion
of office network through opening Branch Office, Sub-Branch
Office, Cash Office and Sharia Cash Office in large cities across
the country as stipulated in the Bank’s Business Plan. This
expansion is conducted with a purpose of increasing service to
public, particularly to the customers of the Bank.
LEMBAGA PROFESI PENUNJANG PASAR MODALCapital Market Supporting Institutions
Akuntan PublikPublic Accountant
Mulyamin Sensi, Suryanto, & LiannyIntiland Tower, Lantai 7Jl. Jenderal Sudirman,Kav 32 Jakarta - 10220
Biro Administrasi EfekShare Registrar
Sinartama GunitaSinar Mas land Plaza, Tower I Lantai 9Jl. MH. Thamrin No. 51Jakarta - 10350
Perusahaan PemeringkatSecurities Rating Company
ICRA IndonesiaMenara Rajawali, Lantai 6Jl. Mega Kuningan Lot #5.1 Jakarta12950
NotarisNotary
NOTARIS ARyANTIARTISARI, S.H.,M.Kn
Menara Sudirman Lantai 18Jalan Jenderal Sudirman Kaveling 60Jakarta Selatan -12190
JARINGANNetwork
Hingga tahun 2014, PT. Bank Sinarmas Tbk. telah memiliki
382 Kantor yang tersebar 34 provinsi di lebih dari 157 kota di
Indonesia dan rencananya akan terus bertambah dalam rangka
ekspansi bisnis. Bank melakukan perluasan jaringan kantor
melalui pembukaan Kantor Cabang, Kantor Cabang Pembantu,
Kantor Kas, dan Kantor Kas Syariah di kota-kota besar di seluruh
wilayah Indonesia dalam rangka mengembangkan jaringan
kantor, sebagaimana yang tercantum dalam Rencana Bisnis
Bank. Penambahan kantor ini dilakukan dengan tujuan untuk
lebih meningkatkan pelayanan kepada masyarakat, khususnya
kepada para Nasabah.
JaringanKantor/Office Network 2012 2013 2014
Kantor wilayah / Regional Office 11 12 12
Kantor cabang / Branch Office 67 73 73
Kantor cabang pembantu / Sub-branch Office 109 130 130
Kantor kas / Cash Outlets 85 141 141
Kantor cabang syariah / Sharia Branch Office 1 25 27
Kantor kas syariah / Sharia Cash Outlets 3 10 10
Kantor fungsional / Functional Office 0 1 1
Totaljaringankantor/TotalOfficeNetworks 265 380 382
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PETA OPERASIONAL DAN ALAMAT KANTOR CABANG Operational Map and Branch Office Addresses
NangroeAcehDarussalam
SumateraUtaraNorthSumatera
Sumatera BaratWestSumatera
KalimantanBaratWestKalimantan
Sumatera SelatanSouth Sumatera
KalimantanSelatanSouthKalimantan
JawaBaratWestJava
JawaTengahCentralJava
KalimantanTengahCentralKalimantan
JawaTimurEastJava
KalimantanTimurEastKalimantan
Kep.RiauRiauIsland
Kep.BangkaBelitungBangkaBelitungIsland
Pekanbaru
Jambi
Bengkulu
Lampung
DKIJakarta
BaliD.I.Yogyakarya
Banten
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Tata Kelola PerusahaanGood Corporate Governance
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Sulawesi BaratWest Sulawesi
Sulawesi SelatanSouth Sulawesi
Sulawesi TengahCentral Sulawesi
Sulawesi UtaraNorth Sulawesi
Maluku UtaraNorth Maluku
Nusa Tenggara BaratWest Nusa Tenggara
Papua BaratWest Papua
Nusa Tenggara TimurEast Nusa Tenggara
Gorontalo
MalukuPapua
Tinjauan Unit-Unit BisnisBusiness Review
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
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Annual Report 2014 | PT.BankSinarmasTbk. 105
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PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014106
ALAMAT KANTOR CABANGBranch Office Address
JARINGANKANWIL1MEDAN-SUMATERA,RIAU&KEP.RIAU
REPRESENTATIVEOFFICENETWORK1MEDAN-SUMATERA,RIAU&KEP.RIAU
KantorCabang/BranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1. Medan - Mangkubumi Jl. Mangkubumi No. 18 , Medan Sumatera Utara
2. Rantauprapat - Imam Bonjol Jl. Imam Bonjol No.4C, Labuhan Batu, Sumatera Utara Sumatera Utara
3. Aceh - Sri Ratu Safiatuddin Jl. Sri Ratu Safiatuddin No. 45 Peunayong, Banda Aceh NAD
4. Padang - Damar Jl. Damar No. 67 A RT.001/004 Olo Ladang Padang Barat, Kota Padang, Sumatera Barat
Sumatera Barat
5. Batam - Ruko Nagoya Hiil Komp. Ruko Nagoya Hill Blok P No. 12A, Batam Kep Riau
6. Pekanbaru - Jl. Riau Jl. Riau No. 105, Pekanbaru Riau
7. Tanjung Pinang - Engku Putri Jl. Engku Putri, RT 1, RW 12, Tanjung Pinang, Kepulauan Riau
Kep Riau
8. Dumai - Sultan Syarif Jl. Sultan Syarif Kasim No. 239, Kel. Sukajadi, Kec. Dumai Timur, Kota Dumai, Riau
Riau
9. Pematangsiantar - Cokroaminoto
Jl. HOS Cokroaminoto No. 21 , Kel Melayu, Kec Siantar Utara, Kota Pematang Siantar- Sumatera Utara
Sumatera Utara
10. Padang Sidempuan - Citiwalk Komp. Citiwalk Sidempuan Blok C No.10,Jl. Merdeka, Kel. Kanti Kec. Padang Sidempuan Utara
Sumatera Utara
11. Sibolga - Sisingamangaraja Jl. Sisingamangaraja No. 74 , Kota Sibolga, Sumatera Utara 22532
Sumatera Utara
KantorCabangPembantu/SubBranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1. Asia - Medan Jl. Asia No. 214C, Medan 20214 Sumatera Utara
2. Krakatau - Medan Jl. Gunung Krakatau No. 46B, Medan 20115 Sumatera Utara
3. Sisingamangaraja - Medan Jl. Sisingamangaraja Km 6,5 (simpang marendal), Sumatera Utara
Sumatera Utara
4. Jend. Sudirman - Pekanbaru Jl. Jend. Sudirman No. 97, Pekanbaru Riau
5. Perawang - Pekanbaru Jl. Raya Minas-Perawang Km. 26, Desa Pinang Sebatang, Kec. Tualang, Komp. IKPP Perawang, Kab. Siak
Riau
6. Duri- Bengkalis Jl. Jend. Sudirman No. 446 C, Duri, Kecamatan Mandau, Kab. Bengkalis. Riau
Riau
7. HOS Cokroaminoto - Kisaran Jl. HOS Cokroaminoto NO.72 C, Kisaran , Sumatera Utara
Sumatera Utara
8. Ahmad Karim - Bukittinggi Jl. Ahmad Karim NO.18 C, Bukittinggi, Padang, Sumatera Barat
Sumatera Barat
9. Kapt. F. Tendean - Tebingtinggi
Jl. Kapt. F. Tendean No.4, Tebingtinggi, Sumatera Utara Sumatera Utara
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
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KantorKas/CashOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1. Letda Sudjono - Medan Jl. Letda Sudjono No. 252, Medan Sumatera Utara
2. Diski - Medan Jl. Medan Binjai Km 11, Sumatera Utara Sumatera Utara
3. Johor - Medan Jl. Brigjen Hamid No. 8A, Titi Kuning, Medan Sumatera Utara
4. Batoh - Aceh Jl. Moh. Hasan No. 330 Banda Aceh NAD
5. Neusu - Aceh Jl.Hasan Saleh no.8, Neusu, Aceh NAD
6. Kijang - Bintan Jl. Hang Jebat, RT.08 RW.05, Kel. Kijang Kota, Kec. Bintan Timur, Kabupaten Bintan, Kepulauan Riau 29151
Kep Riau
7. Sutomo - Padang Jl. Dr. Sutomo No.80D Padang Sumatera Barat
8. Panam - Pekanbaru Jl. Delima No. 1G Panam- Pekanbaru Riau
9. Imam Munandar - Pekanbaru Jl. Imam Munandar No. 278, Kel. Pangkerang Labuai, Kec. Bukit raya, Pekanbaru, Riau 28288
Riau
10. Batam Center - Batam Komp. Ruko Raflesia Business Centre, Blok F No. 1, Batam Centre- Batam
Kep Riau
11. Sigambal - Rantau Prapat Jl. HM. Said Sigambal, Kel.Sigambal, Kec. Rantau Selatan, Labuhan Batu, Rantau Prapat. Sumatera Utara 21415
Sumatera Utara
12. DI Panjaitan - Tanjung Pinang Jl. DI Panjaitan No.3 RT.03 RW 02, Kec. Tanjung Pinang Timur, Kel. Batu Sembilan , Kepulauan Riau
Kep Riau
13. Tuanku Tambusai - Pekanbaru Jl. Tuanku Tambusai No. 223 D , RT.01, RW.03, Wonorejo, Pekanbaru
Riau
JARINGANKANWIL2PALEMBANG-SUMATERASELATAN,BENGKULU,LAMPUNG,JAMBI,BANGKABELITUNG
REPRESENTATIVEOFFICENETWORK2PALEMBANG-SOUTHSUMATERA,BENGKULU,LAMPUNG,JAMBI,BANGKA
BELITUNG
KantorCabang/BranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1. Lampung - Ikan Hiu Jl. Ikan Hiu No. 3, Teluk Betung, Bandar Lampung Lampung
2. Jambi - Jelutung Jl. Hayam Wuruk No. 146, Jelutung, Jambi 36133 Jambi
3. Palembang - Basuki Rahmat Jl. Basuki Rahmat No. 57, Palembang Sumatera Selatan
4. Lubuk Linggau - yos Sudarso Jl. yos Sudarso No. 12, Kel. Marga Mulya (Marga Rahayu) Kec. Lubuk Lingau Selatan (Lubuk Linggau Selatan II) Kab. Musi Rawas , (Kota Lubuk Linggau)
Sumatera Selatan
5. Bengkulu - Jati Jl. Jati No.16, RT.05/Rw.02, Kel. Sawah Lebar Kecamatan Ratu Agung, Kota Bengkulu, Sumatera
Bengkulu
6. Pangkalpinang - Soekarno Hatta
Jl. Soekarno Hatta No. 17 (Jl. Raya Koba Km 5) Pangkal Pinang, Bangka Belitung
Bangka Belitung
7. Belitung - Jend. Sudirman Jl. Jendral Sudirman No 21, Kel.Pangkal Lalang, Kec.Tanjungpandan, Kab.Belitung, Bangka Belitung 33412
Bangka Belitung
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KantorCabangPembantu/SubBranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1. Tanjung Karang - Lampung Jl. Jend. Ahmad yani No. 17 D, Tanjung Karang, Lampung
2. Tungkal Ulu - Jambi Komp. Perkantoran PT. LBPPPI/WKS Kel. Tebing Tinggi 271 Tanjabar (PT. Pappyrus Paper-WKS) Ds. Tebing Tinggi Tanjabar (Tungkal Ulu) Jambi 37271
Jambi
3. Muara Bungo - Jambi Jl. M. yamin No. 32, Muara Bungo, Kab. Bungo, Jambi Jambi
4. Letkol Iskandar - Palembang Kompleks Ilir Barat Permai Blok D1 No. 21, Jl. Letkol Iskandar, Palembang 30134
Sumatera Selatan
5. Sudirman - Palembang Jl. Sudirman Rt.13 Rw.05 Kel. Dua Puluh Ilir d.III Kec. Iti, Palembang
Sumatera Selatan
6. yos Sudarso - Lubuk Linggau Jl. yos Sudarso No.66A, Kel. Jawa Kiri I, Kec. Lubuk Linggau Timur, Kota Lubuk Linggau, Sumatera Selatan
Sumatera Selatan
7. Sungai Liat - Bangka Ruko Town Square No. C3, Jl. Muhidin, Kel. Sungailiat, Bangka, Kec. Sungailiat, Kabupaten Sungailiat, Bangka
Bangka Belitung
8. Pattimura - Jambi Jl.Pattimura No.43 Jambi Jambi
9. Jend. Sudirman - Prabumulih Jl. Jend. Sudirman, No. 70-71, RT. 03/10, Kel. Muara Dua, Kec. Prabumulih Timur, Prabumulih, Sumatera Selatan 31114
Sumatera Selatan
10. Lintas Sumatera - Sarolangun Jl. Lintas Sumatera Km. 1 No. 05-06, Kel. Aur Gading, Kab. Sarolangun, Jambi 37481
Jambi
11. Mayor Ruslan - Lahat Jl. Mayor Ruslan III No. 092 RT.01/RW. 04, Kel. Pasar Lama, Kec. Lahat, Kab. Lahat, Sumatera Selatan 31413
Sumatera Selatan
12. A. yani - Baturaja Jl. Jend. A. yani RT.034/RW.10, Kel. Baturaja Lama, Kec. Baturaja Timur, Kab. Ogan Komering Ulu, Sumatera Selatan 32111
Sumatera Selatan
KantorKas/CashOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1. Natar - Lampung Jl. Raya Natar, Desa. Merak Batin, Kec. Natar, Kab.Lampung Selatan, Propinsi Lampung
Lampung
2. Kalianda - Lampung Jl. Kusuma Bangsa RT. 001 RW. 01, Kalianda, Kab. Lampung Selatan
Lampung
3. Telanaipura -Jambi Jl. Letkol. Slamet Riyadi RT. 010 RW. 04, Kel. Sungai Putri, Kec. Telanaipura, Jambi
Jambi
4. Selincah - Jambi Jl. Sentot Alibasa RT. 015 RW. 05, Kel. Payo Selincah, Kec. Jambi Timur, Jambi
Jambi
5. KM 11 - Palembang Jl. Raya Palembang - Betung 1261 RT.016 RW.06, Kel. Alang-Alang Lebar, Kec. Alang-Alang Lebar, Palembang
Sumatera Selatan
6. Simpang Patal - Pelembang Jl. Sapta Marga RT.011 RW.03, Kel. Bukit Sangkal, Kec. Kalidoni, Palembang, Sumatera Selatan
Sumatera Selatan
7. Perintis Kemerdekaan - Palembang
Jl. Perintis Kemerdekaan, Kel. Kuto Batu, Kec. Ilir Timur 2, Palembang, Sumatera Selatan
Sumatera Selatan
8. Panorama - Bengkulu Jl. Salak Raya Timur No. 97, RT.008 RW. 03, Kel. Panorama , Kec. Singaranpati, Lingkar Timur Bengkulu
Bengkulu
9. Pasar Ilir 15 - Palembang Jl. Segaran 545, Kelurahan 15 Ilir Palembang Sumatera Selatan
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No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
10. Pagar Dewa - Bengkulu Jl. Adam Malik RT 03 RW 01, Kel. Pagar Dewa, Kec. Selebar, Bengkulu 38211
Bengkulu
11. Tanjung Karang - Lampung Jl. Tengku Cik Ditro Blok H1 No.7 , Jalur 2, Tj. Karang Barat, Bandar Lampung
Lampung
12. Plaju - Palembang Jl. Jend. A. yani RT 19 RW 07, Kel. Tangga Takat, Kec. Seberang Ulu II , Palembang
Sumatera Selatan
13. Rawa Makmur - Bengkulu Jl. Kalimantan RT.01, RW 01, Kel. Rawamakmur, Kec. Muara Bangka Hulu , Bengkulu 38121
Bengkulu
14. Padang Harapan - Bengkulu Komp Ruko Kapuas Grande, Jl. Kapuas Raya No. 19, Kel. Padang Harapan, Kec. Gading Cempaka, Bengkulu
Bengkulu
15. Achmad yani - Pangkalpinang Jl. Achmad yani No. 69 RT/RW 001/002 Kec. Taman Sari Kel. Batin Tikal Pangkalpinang, Bangka Belitung.
Bangka Belitung
16. M. yamin - Jambi Jl. Prof M yamin No.3 RT/RW 13/04 Kel. Payo Lebar, Kec. Jelutung, Kota Jambi 36135
Jambi
17. Manggar - Belitung Timur Jl. Jendral Sudirman No. 414, Desa Baru, Kec. Manggar, Kab. Belitung Timur
Bangka Belitung
JARINGANKANWIL3MANGGADUA-DKIJAKARTA
REPRESENTATIVEOFFICENETWORK3MANGGADUA-DKIJAKARTA
KantorCabang/BranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1. Jakarta - Mangga Dua Wisma Eka Jiwa Lt. Dasar No. 1 & 2,Jl. Mangga Dua Raya Jakarta
DKI Jakarta
KantorCabangPembantu/SubBranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1. BSD - Tangerang Ruko Golden Boulevard Blok G1 No. 06-07 BSD City, Tangerang
Banten
2. Margonda - Depok ITC Depok Ruko No. 1, Jl. Margonda Raya, Kec. Pancoran Mas, Depok
DKI Jakarta
3. Serang Gedung PT. Indah Kiat Pulp & Paper, Jl. Raya Serang KM 76, Desa Kragilan Serang
Banten
4. Jembatan Dua - Jakarta Jl. Jembatan Dua Raya No. 11 G, Jakarta Utara DKI Jakarta
5. Fatmawati - Jakarta Komp. Ruko Duta Mas Blk. A2 No 2, Jl. Raya Fatmawati Jakarta 12150
DKI Jakarta
6. Bintaro - Jakarta Jl. Raya Bintaro Blok E No. 12, Sektor 1, Jakarta Selatan Sumatera Selatan
7. Indah Kiat - Serpong Wisma Indah Kiat, A Building 1st Floor, Jl. Raya Serpong Km. 8 Tangerang 15310, Banten
Banten
8. Mangga Besar - Jakarta Jl. Mangga Besar VIII No. 8, Jakarta Barat DKI Jakarta
9. Kapt. Soebijanto - BSD Wisma BCA Wing A/Ground Floor,Jl. Kapten Soebijanto Djojohadikusumo, BSD City, Tangerang
Banten
10. Kali Besar - Jakarta Jl. Kali Besar No. 8. ROA Malaka, Jakarta Barat 11230 DKI Jakarta
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No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
11. Rawamangun - Jakarta Jl. Paus No.83 A Rawamangun, Jakarta Timur DKI Jakarta
12. Cinere - Depok Jl. Cinere Raya No. 11, Cinere, Depok Jawa Barat
13. Puri Kencana - Jakarta Jl. Puri Kencana, Blok M8-3T, Kec. Kembangan, Kel. Kembangan Selatan, Jakarta Barat
DKI Jakarta
14. Alam Sutera - Tangerang Komp. Perumahan Alam Sutera, Jl. Jalur Sutera Kav. 29 D No. 25, Kel. Pakualam, Kec. Serpong, Tangerang
Banten
15. Kelapa Gading 1 - Jakarta Rukan Kelapa Gading Permai Blk. LA1 No. 30-31, Jl. Raya Boulevard Barat,Jakarta 14240
DKI Jakarta
16. Kelapa Gading 2 - Jakarta Jl. Kelapa Gading Boulevard Blok PA 11 No. 4, RT. 003, RW. 014, Kelapa Gading, Jakarta Utara
DKI Jakarta
17. Otista - Tangerang Ruko Otista , Jl. Otista No. 05 B, RT. 001, RW. 002, Kel. Gerendeng, Kec. Karawaci, Tangerang, Banten
Banten
18. Kota Wisata - Cibubur Ruko Sentra Eropa Blok SEA No. 3, Kota Wisata Cibubur DKI Jakarta
19. Ahmad yani - Bekasi Komp. Ruko Bekasi Mas Blok. C 4-5, Jl. Ahmad yani, Bekasi
Jawa Barat
KantorKas/CashOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1. JITC Mangga Dua - Jakarta JITC Mangga Dua 2A, Lt 1 Blok D No. 60A, 61 & 60B, Jl. Raya Mangga Dua, Jakarta Utara
DKI Jakarta
2. Pluit II - Jakarta Muara Indah Menara I B Lt. 1 No. 10B, Jl.Pluit Karang Barat No.50, Jakarta Utara
DKI Jakarta
3. Cilegon Ruko Green Mega Blok, Jl. Raya Cilegon Kav. Mahkota Mas B1/05 , Cibeber-Cilegon, Banten.
Banten
4. PIK - Jakarta yayasan Budha Tzu Chi, Jl. Raya Boulevard, Pantai Indah Kapuk, Jakarta Utara
DKI Jakarta
5. Fatmawati - Jakarta Jl. RS Fatmawati No. 201 B-C, Jakarta Selatan DKI Jakarta
6. Pondok Indah - Jakarta Jl. Arteri Pondok Indah No. 6 A (Jl. St. Iskandar Muda),Jakarta Selatan
DKI Jakarta
7. Tambun - Bekasi Ruko Boulevard Hijau C5 No. 12 & 15, Kel. Pejuang Kec. Medan Satria, Bekasi
Jawa Barat
8. Cileungsi Ruko Citra Grand BLK R5/ 7-9,Jl. Alternatif Cibubur, Bogor
Jawa Barat
9. Kalimalang - Jakarta Jl. Raya Kalimalang ( Tarum Barat) No. 1 C-D, Jakarta Timur
DKI Jakarta
10. Rangkas Bitung Jl. By Pass Soekarno Hatta No. 78 G&H Kaduagung Timur, Cibadak, Lebak 42357
Banten
11. Cikupa Jl. Raya Citra Raya Blok L1R Citra Raya - Cikupa, Tangerang
Banten
12. Serang Komp Ruko Titan Arum Blok H2, Jl. Serang KM3 No 4C, Kel. Drangong, Kec. Taktakan, Kota Serang , Banten 42162
Banten
13. Pondok Gede Plaza Pondok Gede Ruko Blok F No. 20,21,22, Pondok Gede, Jatiwaringin, Bekasi 17411
Jawa Barat
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No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
14. Dewi Sartika - Jakarta Jl. Dewi Sartika No.292 C dan D, RT.004/005, Cawang, Kramat Jati, Jakarta Timur
DKI Jakarta
15. Balaraja Jl. Raya Serang KM 24 No. 3-4, RT 002 RW002, Kel. Balaraja, Kab. Tangerang, Banten
Banten
16. Ciledug Ruko CBD Blok D2 No. 18, Jl. Hos Cokroaminoto, Kel. Karang Tengah, Kec. Karang Tengah, Tangerang
Banten
17. Ciputat Jl. RE Martadinata No.13 Blok E-F, Pondok Cabe, Pamulang, Tangerang 15411
Banten
18. Ruko Plaza Pasifik - Kelapa Gading
Komp. Ruko Plaza Pasifik, Jl. Boulevard Barat Raya, Blok B 1, No. 22 & 24, Kelapa Gading Barat, Jakarta Utara.
DKI Jakarta
19. Point Automotive - Cibubur Ruko Cibubur Point Automotive Center Blok A No. 12 B, Jl. Raya Alternatif Cibubur (Trans yogi), Desa Harjamukti, Cibubur
Jawa Barat
20. Citayam Jl. Raya Citayam (Jl. Kartini) No. 35 A1 - A4, RT03 RW02, Pancoran Mas Depok
Jawa Barat
21. Tang City - Tangerang Ruko Tangerang City Bussines Park Blok B 19 - 21, Jl. Jend Sudirman No. 1 Cikokol, Tangerang
Banten
22. Cikokol Komp. Mahkota Mas Blok J, No. 39, Jl. MH. Thamrin, Cikokol, Tangerang
Banten
JARINGANKCUTHAMRIN-JAKARTA
KCUTHAMRINNETWORK-JAKARTA
KantorCabang/BranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1. Jakarta - Thamrin Sinar Mas Land Plaza Tower I Jl. MH Thamrin No. 51 Jkt, Pusat 10350
DKI Jakarta
KantorFungsional/FunctionalOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1. KF. Operasional- KCU. Thamrin, Jakarta
Sinar Mas Land Plaza Tower 3 Jl. MH Thamrin No. 51 Jkt, Pusat 10350
DKI Jakarta
JARINGANKANWIL5TANAHABANG-DKIII
NETWORKOFREGIONALOFFICE5TANAHABANG-DKIII
KantorCabang/BranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1. Jakarta - Tanah Abang Jl. Fachrudin No. 18-20, Tanah Abang ,Jakarta 10250 DKI Jakarta
2. Jakarta - Zainul Arifin Komp. Ketapang Indah B I No. 15 -16, Jl. Zainul Arifin,Jakarta Pusat 10150
DKI Jakarta
3. Jakarta - Hasyim Ashari Jl. K.H. Hasyim Ashari 34, Jakarta Pusat 10150 DKI Jakarta
Laporan ManajemenReport of Management
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Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014112
KantorCabangPembantu/SubBranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1. Sudirman- Jakarta Gedung Summitmas II, Lt 2 , Jl. Jend. Sudirman Kav. 61-62, Jakarta Selatan 12190
DKI Jakarta
2. Ambasador - Jakarta ITC Kuningan Ambasador Blok 9-C Lt 5, Jl. Prof Dr. Satrio, Casablanca, Jakarta Selatan
DKI Jakarta
3. Cik Ditiro - Jakarta Jl. Cik Ditiro No.29, Jakarta Pusat DKI Jakarta
4. Permata Kuningan - Jakarta Gedung Permata Kuningan, Lantai Dasar, Jl. Kuningan Mulia 9C, Guntur, Setiabudi, Jakarta Selatan
DKI Jakarta
5. Samanhudi - Jakarta JL. Samanhudi No. 63, Pasar Baru, Jakarta Pusat DKI Jakarta
6. Batu Tulis - Jakarta Jl. Batu Tulis Raya No.7, Kebon Kelapa, Jakarta Pusat DKI Jakarta
7. Sunter - Jakarta Jl. Danau Sunter Utara Blok 74, Kel. Sunter Agung, Kec. Tanjung Priok, Jakarta Utara
DKI Jakarta
8. Slipi - Jakarta Gedung The Capitol lantai 2, Jl. S. Parman Kav. 73 , Slipi, Jakarta Barat
DKI Jakarta
9. PGC Cililitan - Jakarta Pusat Grosir Cililitan (PGC), Lt 2 No. 9 - 11, Jl. Mayjen Sutoyo No. 76, Cililitan, Kramat Jati, Jakarta Timur
DKI Jakarta
10. ITC Roxy Mas - Jakarta Pusat Pertokoan ITC Roxy Mas Blk. BI No. 3, Jl. K.H. Hasyim Ashari,Jakarta 10150
DKI Jakarta
11. ITC Cempaka Mas - Jakarta Ruko Cempaka Mas Blok E No. 5 & 6 , Jl. Let-Djen Suprapto, Cempaka Putih, Jakarta Pusat
DKI Jakarta
12. Permata Hijau - Jakarta Jl. Permata Hijau Blok CC 6 No.1, Kel. Grogol Utara, Kec. Kebayoran Lama, Jakarta Selatan
DKI Jakarta
13. Roxy Square - Jakarta Roxy Square, Jl. Kyai Tapa No. 1, Unit D3, Lower Ground, Grogol Petamburan, Jakarta Barat 11450
DKI Jakarta
14. Tanjung Duren - Jakarta Jl.Tanjung Duren No.25A, Rt.001/Rw.07, Kel.Tanjung Duren Utara, Kec.Grogol, Petamburan, Jakarta Barat
DKI Jakarta
15. Season City - Jakarta Ruko Season City Blok D No.3, Jl. Jembatan Besi 33, Latumenten, Jakarta Barat 11320
DKI Jakarta
KantorKas/CashOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Sabang- Jakarta Jl. KH. Agus Salim No. 45 Kebon Sirih Menteng, Jakarta Pusat
DKI Jakarta
2 Cikini - Jakarta Gedung Graha Multi Modern, Jl. Cikini Raya No. 44, Kel. Cikini, Kec. Menteng, Jakarta Pusat
DKI Jakarta
3 Kedoya - Jakarta Komp. Kedoya Elok Plaza, Blok DC Kav. 55, Jl. Panjang Arteri Kedoya, Kel. Kedoya Selatan Kec. Kebon Jeruk, Jakarta Barat
DKI Jakarta
4 Bandengan - Jakarta Ruko Bandengan Indah Blok C, Jl. Raya Bandengan Utara No. 31-32 , Jakarta Utara 14440
DKI Jakarta
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Laporan Keuangan KonsolidasiConsolidated Financial Statement
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JARINGANKANWIL6BANDUNG-JAWABARAT
NETWORKOFREGIONALOFFICE6BANDUNG-WESTJAVA
KantorCabang/BranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Bandung - Abdul Rivai Jl. Abdul Rivai No. 2, Bandung 40111 Jawa Barat
2 Sukabumi - RA. Kosasih Jl. RA Kosasih No. 118 RT/RW 02/02, Kel. Subang Jaya, Kec. Cikole, Sukabumi 43116
Jawa Barat
3 Garut - Jl. Ciledug Jl. Ciledug No. 180 Garut, Jawa Barat 44112 Jawa Barat
4 Tasikmalaya - Sutisna Sanjaya Jl. Sutisna Sanjaya No.65, Tasikmalaya, Jawa Barat Jawa Barat
5 Cirebon - Dr. Wahidin Jl. Dr. Wahidin Sudirohusodo No. 29, Cirebon Jawa Barat
6 Bogor - Padjajaran Jl. Padjajaran No. 38A, Bogor, Jawa Barat Jawa Barat
7 Karawang - Kertabumi Jl. Kertabumi No. 18A, Karawang, Jawa Barat Jawa Barat
KantorCabangPembantu/SubBranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Jamika - Bandung Jl. Jamika No. 42A, Bandung 40111 Jawa Barat
2 MTC - Bandung Komp. MTC Kav B-11, Jl. Soekarno Hatta, Bandung, Jawa Barat
Jawa Barat
3 Jend. Sudirman - Bandung Ruko Kapitol, Jl. Jend. Sudirman No. 91, Bandung, Jawa Barat
Jawa Barat
4 Rancaekek - Bandung Jl. Raya Bandung - Garut KM 21, Rancaekek, Kab. Bandung
Jawa Barat
5 Mayor Abdurachman - Sumedang
Jl. Mayor Abdurachman No. 199, RT. 002, RW. 10, Kotakaler, Sumedang Utara, Jawa Barat
Jawa Barat
6 Ujung Berung - Bandung Ruko Bandung Timur Kav. A11, Jl. A.H. Nasution No. 46A Ujungberung, Bandung, Jawa Barat
Jawa Barat
7 Buah Batu - Bandung Jl. Buah Batu No. 248 B Bandung, Jawa Barat Jawa Barat
8 Banjar - Ciamis Jl. Letjen Suwarto No. 97 Pataruman, Banjar, Jawa Barat Jawa Barat
9 Grand Center - Cirebon Ruko Grand Center No. D6, RT 005, RW 002, Jl. Pangeran Suryanegara, Kel. Pekalangan, Kec. Pekalipan, Cirebon
Jawa Barat
10 Sudirman - Bogor Ruko H, Jl. Sudirman No. 15, Bogor Jawa Barat
11 Tajur - Bogor Jl. Tajur No. 18 (Jl. Raya Wangun No. 307) Bogor, Jawa Barat
Jawa Barat
12 Pasar Anyar - Bogor Jl. Dewi Sartika A-64, Rt. 001, Rw. 002, Kel. Pebaton, Kec. Bogor Tengah, Kota Bogor
Jawa Barat
13 Pindodeli - Karawang Desa Kuta Mekar BTB 6/9 Karawang, 41361 Jawa Barat
14 Grand Wisata - Bekasi Perumahan Grand Wisata, Celebration Boulevard AA-15/23, Lambang Sari, Tambun, Bekasi
Jawa Barat
15 Delta Mas - Bekasi Ruko Spanish Square A No. 2, Kota Delta Mas, Kab. Bekasi, Jawa Barat
Jawa Barat
16 A. yani Dawuan - Cikampek Ruko Central Cikampek No.5, Jl. Ahmad yani Dawuan, Cikampek
Jawa Barat
17 Lembang - Bandung Jl.Raya Lembang No.319, Bandung Jawa Barat
18 Otista - Subang Jl.Otista Rt.095/26, Karanganyar, Subang Jawa Barat
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Kilas Kinerja 2014Flashback Performance of 2014
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No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
19 Muwardi - Cianjur Jl.Muwardi No.173, Kuniwangi, Bojongherang, RT.002/003, Cianjur
Jawa Barat
20 Amir Mahmud - Cimahi Jl. Amir Mahmud No. 491, RT.04/RW.05, Karang Mekar, Cimahi Tengah
Jawa Barat
21 Veteran - Purwakarta Jl. Veteran No.98 Purwakarta, Jawa Barat Jawa Barat
22 Kopo - Bandung Komplek Taman Kopo Indah II, Blok 1A No.69, Bandung
Jawa Barat
23 A. yani - Sukabumi Jl. Ahmad yani No. 253, Ruko No. 3, RT. 002, RW. 004, Sukabumi, Jawa Barat
Jawa Barat
24 Jend.Sudirman - Ciamis Jl. Jendral Sudirman No.163, RT.04/RW.02, Kel.Ciamis, Kec. Ciamis, Kab.Ciamis, Jawa Barat
Jawa Barat
25 Siliwangi - Kuningan Jl. Siliwangi No.273 B, RT.01, RW.04, Lingkungan Dago, Kec. Kuningan, Kab. Kuningan 45513
Jawa Barat
26 KH. Abdul Halim - Majalengka Jl. KH. Abdul Halim No.149, Kab. Majalengka, Cirebon, Jawa Barat
Jawa Barat
27 Sudirman-Indramayu Jl. Sudirman No. 93, RT.01/RW. 07, Kel. Lemah Mekar, Kec. Indramayu, Kab. Indramayu 45212
Jawa Barat
KantorKas/CashOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Padalarang - Bandung Kp. Cigeunjing , RT.013, RW.04, Desa Kertajaya, Kec. Padalarang, Kab. Bandung, Jawa Barat
Jawa Barat
2 Soreang - Bandung Kp. Ciburial Timur , Jl. Soreang Banjaran No. 402 , RT. 06, RW. 06, Kab. Bandung
Jawa Barat
3 Ciparay - Bandung Jl. Raya Laswi No. 592, Ciparay, Kab. Bandung Jawa Barat
4 Jatinangor Jl. Tagog Cimekar No. 225, RW. 005, RT.003, Kel. Cimekar, Cileunyi, Bandung, Jawa Barat
Jawa Barat
5 Cikajang - Garut Jl. Raya Cikajang No. 10, Garut, Jawa Barat Jawa Barat
6 Empang - Bogor Jl. Empang No. 41, RT 001 , RW 02, Bogor, Jawa Barat Jawa Barat
7 yasmin - Bogor Ruko yasmin Sektor 6 No. 7, Jl Ring Road No.90, Bogor Jawa Barat
8 Cibinong Jl. Mayor Oking No. 134, Cibinong, Kab. Bogor, Jawa Barat
Jawa Barat
9 Delta Mas - Cikarang Jl. Tol Jakarta Cikampek KM. 7 , Cikarang Pusat Jawa Barat
10 Jababeka- Cikarang Ruko Metro Boulevard Kav. A 11, Jl. Niaga Raya, Kawasan Industri JABABEKA , Cikarang, Kab. Bekasi 17835
Jawa Barat
11 Cipeujeh - Cirebon Jl. MT Haryono No. 38, RT. 05 RW. 02, Dusun 2, Desa Cipeujeh Wetan, Kec. Lemahabang, Kab. Cirebon 45183
Jawa Barat
12 Cisarua - Bogor Jl. Raya Puncak KM 81 No. 20, Cisarua, Bogor, Jawa Barat
Jawa Barat
13 Wanaraja - Garut Jl. Raya Wanaraja No. 50 Karangpawitan, Jawa Barat Jawa Barat
14 Arjawinangun - Cirebon Jl. Sultan Syahrir No. 2 (dh Jalan Pahlawan) RT. 01 RW. 09, Dusun V, Desa Jungjang, Kec. Arjawinangun, Kab. Cirebon 45162
Jawa Barat
15 Singaparna - Tasikmalaya Jl. Raya Timur No.17 Cikiray Singaparna - Tasikmalaya Jawa Barat
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Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
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No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
16 BKR - Bandung Jl. BKR No. 73, Bandung Jawa Barat
17 Lengkong Kecil - Bandung Jl. Lengkong Kecil No. 49, Bandung Jawa Barat
18 Laswi - Bandung Jl. Laswi No. 142, Bandung Jawa Barat
19 Kopo Mas - Bandung Ruko Kopo Mas Blok AB No.19, Kel. Margasuka, Kec. Ciparay, Bandung 40225
Jawa Barat
20 Batununggal - Bandung Jl. Batununggal Indah Raya No. 164 - 166, Bandung Jawa Barat
21 Cisaat - Sukabumi Jl. Raya Rambai No. 45B, Cisaat, Sukabumi Jawa Barat
22 Limbangan - Garut Jl. Raya Limbangan - Garut. Jawa Barat
23 Leuwiliang - Bogor Komp. Saptamarga (Pasar Baru Leuwiliang), Jl. Raya Leuwiliang, RT.01 / RW. 03, Bogor
Jawa Barat
24 Cileungsi Jl. Raya Narogong (Pasar Cileungsi), Kab. Bogor Jawa Barat
25 PHH Mustofa - Bandung Jl. PHH. Mustofa No. 27, Bandung Jawa Barat
26 Ibrahim Singadilaga - Purwakarta
Jl. Ibrahim Singadilaga No. 86 B, RT.16, RW.10, Kel. Nagri, Kec. Kaler, Purwakarta, Jawa Barat
Jawa Barat
27 Kadungora - Garut Kp. Cigunung Agung, Jl.Raya Kadungora , RT.01 RW 06, Kel. Kadungora, Kec. Kadungora 44153
Jawa Barat
28 Rancaekek Majalaya Jl. Raya Rancaekek - RT003/ RW12, Kampung Babakan, Desa Majasetra, Kec. Majalaya, Kabupaten Bandung (ext Jl. Babakan 141 Majalaya )
Jawa Barat
29 Banjaran Bandung Jl. Raya Banjaran No.66, RT.002 RW.03, Banjaran Wetan
Jawa Barat
30 Pomad - Bogor Ruko Simpang Pomad No.33 , Jl. Raya Pomad , Kel. Ciluar, Bogor
Jawa Barat
31 Jatiwangi - Majalengka Jl. Ahmad yani No. 97, Desa Sutawangi, Kec. Jatiwangi, Kab. Majalengka , Jawa Barat
Jawa Barat
32 Tanjung Sari - Sumedang Jl. Raya Tanjung Sari No 281 , RT. 004/ RW. 02, Kel. Jatisari , Kec. Tanjungsari Sumedang, Jawa Barat 45362
Jawa Barat
33 Sentra KIIC - Karawang Sentra KIIC, Jl. Permata Raya Lot CA-1, Kawasan Industri KIIC, Kab. Karawang 41361
Jawa Barat
34 Cipanas - Cianjur Jl. Raya Cipanas, RT 005 / RW 005, Kec Cipanas, Kel Cipanas, Kab Cianjur
Jawa Barat
35 Tegalsari - Cirebon Ruko Blok B, Jl. Cirebon Bandung (Tegalsari) No.30 , Desa Tegalsari, Kec. Plerede, Kab. Cirebon , Jawa Barat 45154
Jawa Barat
36 Sumber - Cirebon Ruko Grand Duta No.4, Jl. Pangeran Cakrabuana, Desa Kemantren, Kec. Sumber, Kab. Cirebon, Jawa Barat 45611
Jawa Barat
JARINGANKANWIL7SEMARANG-JAWATENGAH&DIY
NETWORKOFREGIONALOFFICE7SEMARANG-CENTRALJAVA&DIY
KantorCabang/BranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Semarang - Gang Tengah Jl. Gang Tengah No. 9, Semarang, Jawa Tengah Jawa Tengah
2 Kudus - Jendral Sudirman Jl. Jendral Sudirman No. 6 Kudus, Jawa Tengah Jawa Tengah
3 yogyakarta - Ring Road Jl. Ringroad Utara RT. 28 RW. 16 Mancasan, Condong Catur, Depok, Sleman, yogyakarta
DI yogyakarta
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Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
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No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
4 Magelang - Ahmad yani Jl. Ahmad yani No.77 , RT.01 RW. 06, Kel. Kramat Selatan, Kec. Magelang Utara, Kota Magelang, Jawa Tengah
Jawa Tengah
5 Tegal - Jendral Sudirman Jl. Jendral Sudirman No.2 Tegal, Jawa Tengah Jawa Tengah
6 Pekalongan - Dr Cipto Jl. Dr. Cipto No. 39 Keputran, Pekalongan Jawa Tengah
7 Purwokerto - R.A. Wiratmaja Jl. R.A Wiratmaja No.28, RT.03 / RW.04, Kel. Kedungwuluh, Kec. Purwokerto Barat, Jawa Tengah.
Jawa Tengah
8 Solo - Urip Sumoharjo Jl. Urip Sumoharjo No. 163, RT. 009 RW. 01, Kel. Kepatihan Wetan, Kec. Jebres, Surakarta
Jawa Tengah
9 Salatiga - Dipenogoro Jl. Diponegoro No. 77, RT.01, RW.02, Dusun Sidorejo Lor, Kec. Sidorejo, Salatiga, Jawa Tengah
Jawa Tengah
KantorCabangPembantu/SubBranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Sultan Agung - Semarang Ruko Sultan Agung No.9, Jl. Sultan Agung No. 105-106, Semarang, Jawa Tengah
Jawa Tengah
2 Pemuda - Semarang Rukan Pemuda Mas Blok A Kav. A/8 Jl. Pemuda 150Semarang, Jawa Tengah
Jawa Tengah
3 Metro Square - Magelang Ruko Metro Square F-1, Jl. Mayor Bambang Sugeng Mertoyudan, Magelang, Jawa Tengah
Jawa Tengah
4 A. yani - Pemalang Jl. Ahmad yani Utara No. 6 Rt.04/ Rw. 08 - Kel. Keb. Dalam, Pemalang, Jawa Tengah
Jawa Tengah
5 Gatot Subroto - Cilacap Jl. Jend. Gatot Subroto No.42-44, RT.001/RW.10 Sidanegara,Cilacap Tengah, Cilacap, Jawa Tengah.
Jawa Tengah
6 Adiwerna - Tegal Jl.Adiwerna No.16, RT.12, RW.06, Kel.Adiwerna, Kec.Adiwerna, Tegal
Jawa Tengah
7 A. yani - Purbalingga Ruko PJKA No. 1, Jl. A. yani, RT. 01 / RW.01, Kel. Kandang Gampang, Purbalingga 53312, Jawa Tengah
Jawa Tengah
8 Majapahit - Semarang Komp Mall Majamas, Jl.Brigjend Sudiarto No.198 H (jl.Majapahit)
Jawa Tengah
9 Tentara Pelajar -Temanggung Jl.Tentara Pelajar No.6, Temanggung Jawa Tengah
10 Pemuda - Klaten Jl.Pemuda No.218, Desa Klaten,Kec.Klaten Tengah, Kab. Klaten
Jawa Tengah
11 Sukoharjo Komp.Super Makmur 2,Jl.Raya Solo Baru No.10F-G, Sukoharjo, Solo
Jawa Tengah
12 Kamfer - Banyumanik Jl.Kamfer No.11A, Banyumanik, Semarang Jawa Tengah
13 Katamso - yogyakarta Ruko Gondomanan Square, Jl. Bridjen Katamso No.37, yogyakarta
DI yogyakarta
14 Kendal Jl. Raya Semarang Kendal RT. 008 RW. 01, No. 340, Kel. Sarirejo, Kec. Kaliwungu, Kendal, Jawa Tengah
Jawa Tengah
15 Jend. Sudirman - Wonogiri Jl. Jend. Sudirman No. 226 , Wonogiri , Jawa Tengah 57611
Jawa Tengah
16 Mayjend Sutoyo - Kebumen Jl. Mayjend Sutoyo No. 41, RT. 006/ RW. 006 , Kec. Kebumen, Kel. Kebumen, Kab. Kebumen , Jawa Tengah
Jawa Tengah
17 Raya Utara - Bumiayu, Brebes Jl. Raya Utara 77, Bumiayu, Kab. Brebes, Jawa Tengah Jawa Tengah
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 117
KantorKas/CashOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Ungaran - Semarang Ungaran Square Ruko No.10, Jl. Diponegoro No.745, Ungaran, Kab. Semarang, Jawa Tengah
Jawa Tengah
2 Kaliurang - yogyakarta Jl. Kaliurang KM 8, Babadan Baru No 11, Kentungan, Rt.007 Rw.050,Kel.Condong Catur, Kec. Depok, Kab. Sleman, yogyakarta
DI yogyakarta
3 Balapan Kemakmuran - yogyakarta
Jl. Balapan Kemakmuran No. 11, yogyakarta DI yogyakarta
4 Batang Ruko Mutiara No 9 Batang, Jl. Jendral Sudirman ,Jawa Tengah.
Jawa Tengah
5 Palur Jl. Raya Palur No. 38 Jaten, Karanganyar, Solo, Jawa Tengah
Jawa Tengah
6 Kedungwuni - Pekalongan Jl. Raya Kedungwuni No. 2, RT 002 RW 013, Kedungwuni, Pekalongan
Jawa Tengah
7 A. yani - Brebes Jl.A.yani RT.03/RW.21,Kel. Brebes,Kec. Brebes, Jawa Tengah
Jawa Tengah
8 Ajibarang - Purwokerto Jl. Raya Ajibarang Tegal No. 8 Ajibarang, Jawa Tengah Jawa Tengah
9 Kalasan - yogyakarta Jl. yogya - Solo Km 10,5 Purwodadi Baru, Kalasan, yogyakarta
DI yogyakarta
10 Kartasura - Solo Kompleks Ruko Kartasura Blok F, Jl. A. yani Kartasura, Sukoharjo Solo
Jawa Tengah
11 Muntilan - Magelang Kompleks Kios Pasar Muntilan, Blok yE No. 1 , Jl. Pemuda, Muntilan, Magelang, Jawa Tengah
Jawa Tengah
12 Sukowati - Sragen Jl. Raya Sukowati No. 60 RT. 03 RW. 12 Dukuh Beloran, Kel. Sragen, Kab. Sragen, Jawa Tengah 57212
Jawa Tengah
13 Dawe - Kudus Jl. Raya Dawe Kudus - Colo KM 9 Kudus, Kab. Kudus, Jawa Tengah
Jawa Tengah
14 R.E Martadinata - Cilacap Plaza Cilacap, Lt. Dasar No. A3, Kompleks Ruko Pasar Gede, Jl. R.E. Martadinata, Cilacap 53213
Jawa Tengah
15 S. Parman - Purwokerto Jl. S. Parman No. 77, Purwokerto, Kab. Banyumas, Jawa Tengah
Jawa Tengah
16 Tentara Pelajar - Magelang Komplek Ruko Top Square Blok A6, Jl. Tentara Pelajar No. 3-5, Magelang
Jawa Tengah
JARINGANKANWIL8SURABAYA-JAWATIMUR
NETWORKOFREGIONALOFFICE8SURABAYA-EASTJAVA
KantorCabang/BranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Surabaya - Diponegoro Jl. Diponegoro No. 64 Surabaya 60264 Jawa Timur
2 Mojokerto - Pahlawan Ruko Royal R1, Jl. Pahlawan No. 7 , Mojokerto Jawa Timur
3 Malang - Basuki Rahmat Jl. Basuki Rachmat No. 58, Malang, Jawa Timur Jawa Timur
4 Jember - PB Sudirman Jl. PB Sudirman No. 14 , Kel. Jember Lor, Kec. Patrang, Kab. Jember , Jawa Timur
Jawa Timur
5 Madiun - Jl. Sumatera Jl. Sumatera No.25 Madiun Jawa Timur
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Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
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No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
6 Kediri - Erlangga Jl. Erlangga No. 32-34 Jawa Timur Jawa Timur
7 Gresik - Kartini Jl. Kartini No. 236, Kel. Sidomoro, Kec. Kebomas, Gresik, Jawa Timur
Jawa Timur
8 Tuban - Basuki Rahmat Jl. Basuki Rahmat No. 42, Desa Sendang Harjo, Kec. Tuban, Kab. Tuban, Jawa Timur
Jawa Timur
9 Banyuwangi - Basuki Rahmat Jl. Basuki Rahmat No.61 Banyuwangi Jawa Timur
KantorCabangPembantu/SubbranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Kembang Jepun - Surabaya Jl. Kembang Jepun No. 86, Surabaya, Jawa Timur Jawa Timur
2 Klampis - Surabaya Jl. Raya Klampis No. 27 B, Surabaya, Jawa Timur Jawa Timur
3 ITC Mega Grosir - Surabaya ITC Mega Grosir, Ground Floor BT No. 1 C, Jl. Gembong No. 20-30, Surabaya, Jawa Timur
Jawa Timur
4 Mayjen Sungkono - Surabaya Jl. Mayjen Sungkono No. 131, Surabaya, Jawa Timur Jawa Timur
5 Tjiwi Kimia - Mojokerto Gedung Tjiwi Kimia Jl. Raya Mojokerto-Surabaya KM 44 Mojokerto
Jawa Timur
6 J. A. Suprapto - Malang Ruko Blok B3, Jl. Jaksa Agung Suprapto No. 40, Rampal Claket, Malang,Jawa Timur
Jawa Timur
7 Kepanjen - Malang Jl. Panglima Sudirman RT. 002 RW. 02, Desa Ngadilangkung, Kec. Kepanjen, Kab. Malang, Jawa Timur
Jawa Timur
8 Ngurah Rai - Tulungagung Jl. I Gusti Ngurah Rai, Kel. Jepun, Kec. Tulungagung, Kab. Tulungagung, Jawa Timur
Jawa Timur
KantorKas/CashOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Mpu Nala - Mojokerto Jl. Mpu Nala No. 85 Mojokerto, Jawa Timur Jawa Timur
2 Wiyung - Surabaya Jl. Menganti Gogor 1E Wiyung Surabaya Jawa Timur
3 Krian - Sidoarjo Jl. Imam Bonjol No.2 A Krian - Sidoarjo Jawa Timur
4 Ahmad yani - Sidoarjo Jl. Ahmad yani No.24 RT.23 RW.04 Kel. Sidokumpul, Kec.Sidoarjo
Jawa Timur
5 Rungkut - Surabaya Jl.Jemur Andayani No.11, Surabaya Jawa Timur
6 Ruko Cempaka Mas - Jombang
Ruko Cempaka Mas B - 9, Jl. Soekarno Hatta, Jombang Jawa Timur
7 Singosari - Malang Jl. Panglima Sudirman Kav 148 H, RT.03 RW.09, Pagetan Singosari, Malang - Jawa Timur
Jawa Timur
8 Mojosari - Mojokerto Royal Regency Blok RA 01 Jl. Raya Mojosari - Mojokerto RT.003 RW 002 , Pekukuhan Mojosari - Mojokerto
Jawa Timur
9 Turen - Malang Ruko Pelita Turen No. 6, Jl. Panglima Sudirman RT 01 RW 10, Kel. Turen, Kec. Turen, Kab Malang, Jawa Timur 65175
Jawa Timur
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No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
10 Sengkaling - Malang Jl. Raya Sengkaling Kav 178D RT 01 RW 02, Kel. Mulyoagung, Kec. Dau, Kab. Malang, Jawa Timur 65151
Jawa Timur
11 Dewi Sartika- Batu Jl. Dewi Sartika No.28B RT.05/RW.09, Kel. Temas,Kec. Batu Kota, Kota Batu, Jawa Timur 65315
Jawa Timur
12 Alun-Alun Timur - Ponorogo Jl. Alun-Alun Timur , Ruko No. 4, Ponorogo Jawa Timur
13 Gajah Mada - Banyuwangi Jl. Gajah Mada Kav No. 14 RT.008 RW.003 , Kel. Genteng Kulon, Kec. Genteng, Kab. Banyuwangi, Jawa Timur 68465
Jawa Timur
14 Ahmad yani - Jember Jl. Ahmad yani No. 85, Kab, Jember, Jawa Timur Jawa Timur
15 Lawang - Malang Kompleks Ruko Istana Lawang, Jl. Dr. Sutomo No. 58 Blok C-3 Rt.01/Rw.01 Desa Turirejo, Kec. Lawang, Kab. Malang, Jawa Timur
Jawa Timur
16 Sudirman Square - Bojonegoro
Ruko Sudirman Square Jl. Panglima Sudirman Blok A2 Desa Kauman, Kec. Bojonegoro, Kab. Bojonegoro, Jawa Timur
Jawa Timur
JARINGANKANWIL9DENPASAR-BALI,NTB&NTT
NETWORKOFREGIONALOFFICE9DENPASAR-BALI,NTB&NTT
KantorCabang/BranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Denpasar - Mpu Tantular Jl. Mpu Tantular No.8 Denpasar, Bali Bali
2 Kupang - Jl. Flores Jl. Flores No. 8 Kupang, Nusa Tenggara Timur NTT
3 Mataram - Pejanggik Jl. Pejanggik No. 24, Kel. Mataram Barat, Kec. Selaparan, Kota Mataram, NTB
NTB
4 Singaraja - Ngurah Rai Jl. Ngurah Rai No.8, Kel. Kendran, Kec Buleleng, Kab Buleleng, Bali
Bali
5 Bima - Gajah Mada Jl. Gajah Mada No. 6 Karara, Kel. Monggonao , Kec. Mpunda, Kota Bima , NTB 84111
NTB
6 Maumere - Jend. Sudirman Jl. Jenderal Sudirman, RT 013 RW 004, Kelurahan Waioti, Kecamatan Alok Timur, Kabupaten Sikka, NTT, 86118
NTT
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KantorCabangPembantu/SubbranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Gatot Subroto - Denpasar Jl. Gatot Subroto Tengah No. 100C-D, Denpasar Bali
2 Ahmad yani - Tabanan Jl. Ahmad yani No. 2, Desa Banjar Anyar, Kec. Kediri, Kab. Tabanan, Bali
Bali
3 Pejanggik - Mataram Jl. Pejanggik, Kel. Cakranegara Barat, Kec. Cakranegara, NTB
NTB
4 Ubud Jl. Raya Andong Br. Petulu, Kel. Petulu, Kec. Ubud, Kab. Gianyar - Bali
Bali
5 Zainuddin - Lombok Timur Jl. TGKH M. Zainuddin Abdul Madjid, Kel. Pancor, Kab. Lombok Timur, NTB
NTB
6 Ngurah Rai - Badung Jl. By Pass Ngurah Rai No. 188 , Kel. Benoa, Kec. Kuta Selatan, Kab. Badung, Bali
Bali
7 Melati - Ende Jl. Melati , Kel. Mautapaga, Kec. Ende Selatan, Kab. Ende , Nusa Tenggara Timur 86317
NTT
KantorKas/CashOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Timor Raya - Kupang Jl. Timor Raya Km. 9, Kel Oesapa, Kec. Kelapa Lima - Kupang
NTT
2 Bertais - Mataram Kompleks Pertokoan Bertais No. A-1, Jl. Sandubaya, Kel. Mandalika, Kec. Sandubaya, Mataram 83236
NTB
3 Gianyar Jl. Dharma Giri No. 4C , Kel. Gianyar, Kec. Gianyar, Kab Gianyar- Bali
Bali
JARINGANKANWIL10MAKASSAR-SULAWESI&GORONTALO
NETWORKOFREGIONALOFFICE10MAKASSAR-SULAWESI&GORONTALO
KantorCabang/BranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Makassar - Pengayoman Komp.Panakukang Mas, Jl.Pengayoman No. 182, Makasar
Sulawesi Selatan
2 Manado - Sam Ratulanggi Jl. Sam Ratulangi No. 18, Manado, Sulawesi Utara Sulawesi Utara
3 Palu - Masjid Raya Jl. Masjid Raya Lulo No. 10, Palu, Sulawesi Tengah Sulawesi Tengah
4 Kendari - MT Haryono Jl. MT. Haryono No. 88 A, Wua-Wua, Kendari, Sulawesi Tenggara
Sulawesi Tenggara
5 Gorontalo - Agus Salim Jl.KH Agus Salim (Basuki Rachmat) No.11, RT 3/RW 4, Desa Limba B, Kec.Kota Selatan , Gorontalo
Gorontalo
6 Mamuju - KS Tubun Jl. KS Tubun, Kel. Rimiku, Kec. Mamuju, Kab. Mamuju , Sulawesi Barat
Sulawesi Barat
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KantorCabangPembantu/SubbranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Manggis - Makassar Jl. Manggis No. 1 (Jl. Arief Rate), Makasar Sulawesi Selatan
2 Babe Palar - Tomohon Jl. Babe Palar, Kel. Matani 3, Kec. Tomohon Tengah, Tomohon, Sulawesi Utara
Sulawesi Utara
3 Veteran - Pare-Pare JL. Veteran No.40, RT. 001 / RW. 004, Kec. Ujung Sabban, Kota Pare - Pare, Sulawesi Selatan 91114
Sulawesi Selatan
4 Langsat - Bone JL. Langsat, Kel. Macege, Kec. Tanete Riattang Barat, Kab. Bone, Sulawesi Selatan 92733
Sulawesi Selatan
5 Lagaligo - Palopo Jl. Kelapa RT. 01/ RW. 04, Kel. Lagaligo, Kec. Wara, Kota Palopo, Sulawesi Selatan
Sulawesi Selatan
6 Chairil Anwar - Kolaka Jl. Chairil Anwar RT/RW 001/001, Kel. Lamokato, Kec. Kolaka, Kab. Kolaka 93517
Sulawesi Tenggara
7 Luwuk Banggai Jl. Kompleks Luwuk Shopping Mall Blok Timur No.21, Kel. luwuk, Kec. luwuk, Kab. Banggai, Sulawesi Tengah 94700
Sulawesi Tengah
KantorKas/CashOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Perintis Kemerdekaan - Makassar
Jl. Perintis Kemerdekaan KM 11 (Ruko Permata) RT 01,RW 03, Kel. Tamalanrea, Kec. Biringkanaya, Makassar
Sulawesi Selatan
2 Gowa - Makassar Jl. Sultan Hasanuddin, Kel. Pandang-Pandang, Kec. Somba Opu, Kab. Gowa, Makassar
Sulawesi Selatan
3 Wolter Mongonsidi - Bitung Jl. Wolter Mongonsidi No. 14 D Wangurer, Bitung, Sulawesi Utara
Sulawesi Utara
4 Dewi Sartika - Palu Komp. Ruko Dewi Sartika, Jl. Dewi Sartika, Kel. Birobuli Utara, Kec. Palu Selatan, Sulawesi Tengah
Sulawesi Tengah
5 MTC - Makassar Jl. A. yani MTC Lantai G Blok A No. 11-12, Makassar Sulawesi Selatan
6 Jhon Ario Katili - Gorontalo Jl. Prof. DR. Jhon Ario Katilli No. 296 ,RT. 02 RW. 01, (Ex Jl. Andalas No.296), Kel. Paguyaman, Kec. Kota Tengah Gorontalo, Gorontalo 96127.
Gorontalo
7 Christina M. Tiahahu - Kendari Jl. Christina M. Tiahahu ( Ex. Jl.DI Panjaitan), RT 001/RW001, Kel. Lepo-Lepo, Kec. Baruga , Kota Kendari, Sulawesi Tenggara 93116
Sulawesi Tenggara
8 Bunggasi - Kendari Jl. Bunggasi, RT 001/RW002,Kel. Anduonohu, Kec. Poasia, Kota Kendari, Sulawesi Tenggara 93232
Sulawesi Tenggara
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JARINGANKANWIL11PONTIANAK-KALIMANTAN
NETWORKOFREGIONALOFFICE11PONTIANAK-KALIMANTAN
KantorCabang/BranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Pontianak - Gajah Mada Jl. Gajah Mada No. 1A-B, Pontianak, Kalimantan Barat Kalimantan Barat
2 Balikpapan - Jendral Sudirman Jl. Jend Sudirman No. 7 Rt. 32, Klandasan Ilir, Balikpapan Selatan, Balikpapan 76114
Kailmantan Timur
3 Banjarmasin - MT Haryono Jl. MT Haryono No. 40 RT 006, Kel. Kertak Baru Ilir, Kec. Banjar Tengah, Banjarmasin, Kalimantan Selatan
Kalimantan Selatan
4 Samarinda - Ahmad Dahlan Jl. Ahmad Dahlan Ruko No. 3 Samarinda Ilir,Samarinda, Kalimantan Timur
Sulawesi Tenggara
5 Batulicin - Tanah Bumbu Jl. Raya Batulicin, Desa Kampung Baru, Kel. Kampung Baru, Kec. Simpang Empat, Kab. Tanah Bumbu, Kalimantan Selatan
Kalimantan Selatan
6 Palangkaraya - Tjilik Riwut Jl. Tjilik Riwut Km. 1 No. 3, Kel. Palangka, Kec. Jekan Raya, Palangkaraya, Kalimantan Tengah
Kalimantan Tengah
7 Tarakan - yos Sudarso Jl. yos Sudarso No. 9 , Kec. Tarakan Tengah , Kel. Selumit, Kota Tarakan , Kalimantan Utara 77113
Kalimantan Utara
KantorCabangPembantu/SubbranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Jend.Sudirman - Pontianak Jl. Jend. Sudirman No. C 8-9, Pontianak, Kalimantan Barat
Kalimantan Barat
2 Letjen R Suprapto - Ketapang Jl. Letjen R. Suprapto No. 30, Ketapang, Kalimantan Barat
Kalimantan Barat
3 Balikpapan Baru - Balikpapan Kompleks Balikpapan Baru, Ruko Centra Eropa Blok AB7 No.38 , Kel. Damai, Kec Balikpapan Selatan
Kalimantan Tengah
4 A.yani -Sampit Jl. A.yani No.155 Kel.Mentawai Baru Hulu, Kec.Mentawa Baru Ketapang, Kab.Kotawaringin Timur
Kalimantan Tengah
5 A. yani - Banjarmasin Jl. A. yani KM 3 No. 104, Banjarmasin Kalimantan Selatan
6 Sungai Danau Jl. Provinsi No.230 RT 005 Dusun II, Desa Sungai Danau, Kec. Satui, Kab. Tanah Bambu, Kalimantan Selatan
Kalimantan Selatan
7 Adi Sucipto - Pontianak Jl. Adi Sucipto No. 10, Pontianak, Kalimantan Barat 78124
Kalimantan Barat
8 Antasari - Pangkalan Bun Jl. Pangeran Antasari - Udan Said, RT. 003, Kel. Baru, Kec. Arut Selatan, Pangkalan Bun, Kab. Kotawaringin Barat, Kalimantan Tengah
Kalimantan Tengah
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KantorKas/CashOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Siantan - Pontianak Jl. Khatulistiwa No. 248 , Pontianak Kalimantan Barat
2 Sultan Adam - Banjarmasin Jl. Sultan Adam No. 2 RT 17, Kel. Sungai Miai, Kec. Banjar Utara, Kalimantan Selatan 70122
Kalimantan Selatan
3 Imam Bonjol - Palangkaraya Jl. Imam Bonjol No 19, RT 002 RW 007, Kel. Lankai, Kec. Pahandut, Kalimantan Tengah 73111.
Kalimantan Tengah
4 Bung Tomo - Samarinda Ruko Sentral Jl. Bung Tomo No. 21, Samarinda, Kalimantan Timur 75132
Kalimantan Timur
5 Tanjung Raya - Pontianak Jl.Tanjung Raya II No.2A, RT 006/RW 007, Kel.Parit Mayor, Kec. Pontianak Timur, Kalimantan Barat 78237
Kalimantan Barat
6 A. yani - Martapura Jl. A. yani KM 37,5 , Kel. Sungai Paring, Kec. Martapura, Kab. Banjar, Kalimantan Selatan
Kalimantan Selatan
JARINGANKANWIL12TERNATE-MALUKU&PAPUA
NETWORKOFREGIONALOFFICE12TERNATE-MALUKU&PAPUA
KantorCabang/BranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Ambon - A. yani Jl. Ahmad yani RT.001/RW.06 , Kel. Batu Meja, Kec. Sirimau, Ambon
Maluku
2 Jayapura - Pasifik Permai Jl. Komp. Pasifik Permai Blk F No. 7-8 Jayapura Papua
3 Sorong - Jend. Ahmad yani Jl. Jend. Ahmad yani No. 35, Sorong Papua Barat
4 Ternate - Kamboja Jl.Kamboja (Jl.Perikani) Rt.002/001, Kel.Takoma, Kec.Ternate Selatan, Ternate, Maluku Utara
Maluku Utara
5 Merauke - Mandala Jl. Raya Mandala No. 428, Kel. Mandala, Kec. Merauke,Papua 99616
Papua
6 Manokwari - yos Sudarso Jl. yos Sudarso, Kel. Manokwari , Kec. Manokwari Barat, Papua Barat 98312
Papua Barat
KantorCabang/BranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Sam Ratulangi - Ambon Jl. Sam Ratulangi No. 78, Kel. Honipopu, Kec. Sirimau - Ambon
Maluku
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UNITUSAHASYARIAH
SHARIABUSINESSUNIT
KantorCabangSyariah/ShariaBranchOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Jakarta - Cik Ditiro Jl. Cik Ditiro No. 29, Jakarta Pusat DKI Jakarta
2 Karawang - Tuparev Jl. Tuparev No. 409, Karawang Wetan Jawa Barat
3 Semarang - Wahidin Jl. Wahidin No.62B Candisari, Semarang 50000 Jawa Tengah
4 Lombok Tengah - Praya Jl. Jend. Sudirman No. 55-57 Praya - Lombok Tengah , NTB
NTB
5 Malang - Basuki Rachmat Jl. Basuki Rachmat No.58 , Malang, Jawa Timur. Jawa Timur
6 Surabaya - Mayjen Sungkono Jl. Mayjen Sungkono No. 131, Surabaya, Jawa Timur. Jawa Timur
7 Kediri - Joyoboyo Jl. Joyoboyo No. 61 B, Rt. 1, Rw. 1, Desa Jamsaren, Kec. Pesantren, Kediri
Jawa Timur
8 Bandung - A.H Nasution Jl A.H Nasution No 88 Bandung, Jawa Barat Jawa Barat
9 Bogor - Kebon Pedes Jl. Raya Kebon Pedes No.4 Ruko A dan B, Bogor , Jawa Barat
Jawa Barat
10 Banjarmasin - MT. Haryono Jl. MT Haryono No. 40 RT 006, Kel. Kertak Baru Ilir, Kec. Banjar Tengah, Banjarmasin, Kalimantan Selatan
Kalimantan Selatan
11 Cirebon - Wahidin Sudirohusodo
Jl. Dr. Wahidin Sudirohusodo No. 29, Cirebon Jawa Barat
12 Jember - A. yani Jl. Ahmad yani No.85, Jember Jawa Timur
13 Kudus - Hos Cokroaminoto Jl. HOS Cokroaminoto No. 62, Melati, Kudus Jawa Tengah
14 Tasikmalaya - Sutisna Sanjaya Jl. Sutisna Sanjaya No.65 Tasikmalaya, Jawa Barat Jawa Barat
15 Jambi - Hayam Wuruk Jl. Hayam Wuruk No. 146, Jelutung, Jambi 36133 Jambi
16 Bengkulu - Jend. Sudirman Jl. Jend Sudirman RT 09 - RW 03, Tengah Padang, Kota Bengkulu
Bengkulu
17 Padang - Bagindo Aziz Chan Jl. Bagindo Aziz Chan No. 13, RT. 002/RW. 01, Kampung Jao, Padang Barat, Kota Padang
Sumatera Barat
18 Denpasar - Mpu Tantular Jl. Mpu Tantular No.8 Denpasar, Bali Bali
19 Purwokerto - R.A. Wiryaatmaja
Jl. R.A Wiryaatmaja No.28, RT.03 / RW.04, Kel. Kedungwuluh, Kec. Purwokerto Barat, Jawa Tengah.
Jawa Tengah
20 Pontianak - Gajah Mada Jl. Gajah Mada No. 1A-B Pontianak Kalimantan Barat
21 Solo - R.M Said Jl. R.M Said No. 142 Solo Jawa Tengah
22 Medan - Ringroad Jl. Ringroad No. 107C Medan Sumatera Utara
23 Lampung - Ikan Hiu Jl. Ikan Hiu No.3 Teluk Betung, Bandar Lampung Lampung
24 Makassar - Veteran Jl. Veteran Selatan No.90, Makassar, Sulawesi Selatan Sulawesi Selatan
25 Sukabumi - Siliwangi JL. Siliwangi No.129 RT.01/RW.19, Desa Cibadak, Kec. Cibadak, Kab. Sukabumi 43351
Jawa Barat
25 Balikpapan - Jend. Sudirman Komp. Ruko Bandar Blok C No. 5, Jl. Jend Sudirman , Klandasan, Balikpapan, Kalimantan Timur
Kailmantan Timur
27 Pekalongan - Dr. Cipto Jl. Dr. Cipto No. 39, Keputran, Pekalongan Jawa Tengah
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KantorKasSyariah/ShariaCashOffice
No.NamaKantorOffice Name
AlamatAddress
PropinsiProvince
1 Pasar Tanah Abang Blok A - Jakarta
Pasar Tanah Abang Regional, Blok A, Basment 1 los F No. 89 , Jl. Fachrudin Raya No.1 Jakarta 10250
DKI Jakarta
2 Pondok Kelapa - Jakarta Jl. Raya Pondok Kelapa Blok J13/7, Pondok Kelapa, Duren Sawit, Jakarta Timur
DKI Jakarta
3 Soepomo- Jakarta Ruko Royal Place, Jl.Dr Soepomo 178A /B5 Tebet, Jakarta Selatan
DKI Jakarta
4 Galuh Mas - Karawang Jl. Raya Galuh Mas No.5 , Ruko Galuh Mas Blok B Karawang, Jawa Barat
Jawa Barat
5 Ngalian - Semarang Jl. Prof DR. Hamka (Jl. Boja No 11 C Ruko Ngalian, Kota Semarang, Jawa Tengah)
Jawa Tengah
6 Bangsal - Mojokerto Ruko Blok 20C, Jl. Raya Bangsal , Desa Pacing , Mojokerto , Jawa Timur
Jawa Timur
7 Rungkut Kidul - Surabaya Jl. Raya Rungkut Kidul No. 45 A, Surabaya, Jawa Timur Jawa Timur
8 Cibaduyut - Bandung Ruko Cibaduyut Residence No . A10, Jl. Cibaduyut Raya, Bandung , Jawa Barat
Jawa Barat
9 Rajawali - Bandung Jl. Rajawali No. 65, Bandung, Jawa Barat Jawa Barat
10 Kebon Agung - Malang Ruko Kebon Agung Mega No. 2 G Jl. Raya Kebon Agung, Malang
Jawa Timur
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Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
04
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GLOBAL ECONOMIC OVERVIEW
Global economic growth remained stagnant and slow until
2014. Difference in the monetary policies of central banks in
developed countries, which was shown by the halt of stimulus
from The Fed and indication of the US interest rate increase,
along with the liquidity injection by the European zone, Japan,
and China, which were struggling to recover from the sluggish
economy and ward off the deflation threat, has encouraged
appreciation of assets denominatedin US Dollars. Thus, this
resulted in the potential of capital outflow from both developed
and developing countries.
Global Economic Growth
On the other hand, ECB had to cut its benchmark interest rate
twice this year to 0.05% from 0.25% and had a minus deposit
interest rate to minus 0.2%. This policy is taken to allow a
greater amount of fund to be allocated for a more productive
sector so that the economic performance may improve and
be protected from the continued deflation threat. Meanwhile,
Japan’s economic condition is also not much better. Massive
stimulus in the form of QQE (Quantitative and Qualitative
Easing) to level up the economic performance was also positive
at the beginning of the year, but was not effective after the
increase in consumption tax from 5% to 8% in April to balance
the fiscal condition which is exposed to 226% of debt to GDP.
The general election resulted in the reappointment of Shinzo
Abe to maintain the stimulus policy to JPY 80T from 60-70T/
year.
China as one of the economic catalyst has gradually lost its
economic power. The growth at the Q3 2014 weakened to
7.3% YoY from 7.7% YoY at the end of 2013. This spurred
PBOC to cut its benchmark intrest rate from 6% to 5.6%
and the deposit facility to 2.75% from 3%. The stimulus was
recorded more than USD 126 B in period September-October
TINJAUAN UMUM EKONOMI GLOBAL
Pertumbuhan ekonomi dunia tercatat stagnan dan cenderung
melambat hingga 2014. Perbedaan kebijakan moneter bank
sentral negara-negara maju di dunia yang ditunjukkan oleh
penghentian stimulus The Fed dan indikasi kenaikan suku
bunga AS, dibarengi dengan injeksi likuiditas oleh zona Euro,
Jepang, dan Tiongkok yang sedang berjuang keluar dari tren
perlambatan ekonomi dan ancaman deflasi, telah mendorong
apresiasi aset-aset berdenominasi dolar AS dan menimbulkan
potensi capital outflow baik dari negara-negara industri maju
maupun negara-negara berkembang.
Pertumbuhan Ekonomi Dunia
TahunYear
Negara MajuDeveloped Countries Emerging Market PDB Dunia
The World’s GDP
2012 1,2% 5,2% 3,4%
2013 1,4% 5,0% 3,4%
2014 1,8% 4,6% 3,4%
Di sisi lain, ECB harus memotong suku bunga acuan sebanyak 2
kali di tahun ini hingga ke 0,05% dari 0,25% dan mengenalkan
bunga negatif deposito hingga ke -0,2% guna mendorong
aliran dana ke sektor yang lebih produktif supaya performa
perekonomian bisa ditingkatkan dan terhindar dari ancaman
deflasi yang berkelanjutan. Sementara itu kondisi perekonomian
Jepang juga tidak lebih baik, massive stimulus berupa QQE
(Quantitative and Qualitative Easing) untuk mengangkat kinerja
perekonomian terlihat positif di awal tahun, namun kembali
tidak efektif setelah kenaikan pajak konsumsi dari 5% ke 8%
di April yang diperuntukkan untuk menyeimbangkan kondisi
fiskal yang terpapar posisi 226% persentase hutang terhadap
PDB. Pemilu dadakan kembali dimenangkan oleh Shinzo Abe
untuk mempertahankan kebijakan stimulus yang dinaikkan ke
JPY 80T dari JPY 60-70T/tahunnya.
Tiongkok sebagai salah satu penggerak ekonomi dunia perlahan
meninggalkan era pertumbuhan ekonomi tinggi, tercatat
pertumbuhan ekonomi Q32014 melambat ke 7,3%YoY dari
7,7%YoY di akhir tahun 2013. Hal ini mendorong PBOC untuk
memotong suku bunga acuannya dari 6% ke 5,6% serta
fasilitas deposit ke 2,75% dari 3%. Stimulus yang tercatat
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Tata Kelola PerusahaanGood Corporate Governance
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lebih dari USD 126B periode September-Oktober kepada sektor
perbankan merupakan bukti nyata situasi perekonomian yang
melambat.
Dampak situasi perlambatan ekonomi terasa hingga sektor
komoditas. Meningkatnya produksi minyak AS serta pertemuan
OPEC yang gagal menyepakati pengurangan produksi telah
menjatuhkan harga minyak dunia sebesar 50% hingga akhir
2014. Menurunnya permintaan bahan bakar energi ini seiring
melambatnya pertumbuhan ekonomi zona Eropa, Jepang serta
Tiongkok telah menggiring harga minyak ke level harga baru
sejak Juli 2008.
TINJAUAN UMUM EKONOMI INDONESIA
Pada 2014, perlambatan perekonomian global turut berdampak
pada pertumbuhan ekonomi Indonesia dalam berbagai aspek.
Dampak yang dirasakan antara lain turunnya harga komoditas
utama ekspor Indonesia (seperti CPO dan Batubara), pelemahan
Rupiah terkait sentimen global, meningkatnya angka
pengangguran ke 5,94% dari 5,7%, perlambatan ekspansi
in banking sector, which becomes a real proof of the economic
slowdown.
The impact of economic slowdown was felt to the commodity
sector. The increase in the US oil production and the OPEC
forum that resulted in a decision of not reducing oil production
caused global oil price to fall at 50% at the end of 2014. The
decreasing demand for fuel was in line with the economic
growth slowdown in European, Japan, and China zone, which
has led global oil price to the new pirce level since July 2008.
INDONESIA’S ECONOMIC OVERVIEW
In 2014, global economic growth affected Indonesia’s economic
growth in various aspects. One of the impact is the faltering
of export major commodity prices (such as CPO and coal),
Rupiah depreciation related to global sentiment, the increase in
unemployment rate to 5.94% from 5.7%, slowdown in credit
expansion, government spending and low investment growth,
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Terlepas dari keadaan pemulihan ekonomi dunia yang terus berlanjut meskipun masih berjalan tidak seimbang, kondisi perbankan dalam negeri masih cenderung stabil.
Apart from the continuing yet not even recovery of the world’s economy, domestic banking industry remained stable.
kredit, belanja pemerintah dan pertumbuhan investasi yang
masih rendah, tingkat inflasi yang tinggi dikarenakan kenaikan
BBM sebagai upaya untuk mengurangi pengeluaran akan
subsidi BBM yang telah mencapai 30% dari APBN, diimbangi
dengan kenaikan BI rate sebesar 25bps di kuartal ketiga 2014.
Namun di satu sisi konsumsi rumah tangga masih mampu
bertahan di awas level 5% seiring meningkatnya pendapatan
perkapita ke USD 3.524 dari USD 3.475 di 2013.
Kebijakan menaikkan BI rate ditempuh dalam rangka
mempertahankan ekspektasi inflasi dan memastikan bahwa
tekanan inflasi pasca kenaikan harga BBM tetap terkendali.
high inflation rate due to the increase in fuel as an effort to
reduce spending on fuel subsidy that reached 30% form the
State Budget, balanced wiht the increase in BI rate of 25 bps
at the third quarter in 2014. However, on the other hand,
household consumption managed to survive at the 5% level in
line with the increase in income per capita of USD3,542 from
USD3,475 in 2013.
The policy to increase BI rate was taken to maintain the inflation
expectation and ensure that the inflation rate after the increase
in fuel price remains under control.
TINJAUAN INDUSTRI PERBANKAN
Belum pulihnya perekonomian dunia di tahun 2014 memberikan
dampak terhadap pertumbuhan ekonomi nasional sebesar
5,1% secara yoy, melambat dibandingkan pertumbuhan
ekonomi di tahun 2013 sebesar 5,58% (yoy). Selain itu, kondisi
politik dalam negeri dan kenaikan harga BBM turut mewarnai
kondisi perbankan nasional yang mampu bertahan dan
cenderung bergerak stabil.
Hal tersebut dibuktikan dengan ketahanan sistem perbankan
dengan risiko kredit, likuiditas, dan pasar yang terjaga serta
dukungan modal yang kuat. Stabilitas sistem keuangan yang
ditopang oleh solidnya industri perbankan mendukung proses
moderasi pertumbuhan ekonomi nasional.
BANKING INDUSTRY OVERVIEW
Sluggish global economy in 2014 gave an impact on the
national economic growth of 5.1% yoy, slower than in 2013 at
5.58% (yoy). In addition, domestic political condition and the
increase in fuel price also colored national banking industyr that
managed to survive and move towards stability.
This proved by the resilience of the banking system with strong
capital structure and the credit risk, liquidity, and market that
were under control. The stability of financial system, supported
by solid banking industry, supported the moderatio process of
the national economic growth.
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Tata Kelola PerusahaanGood Corporate Governance
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Annual Report 2014 | PT. BANK SINARMAS Tbk. 131
Based on data from Indonesia’s Banking Statistics, total assets
of commercial bank in 2014 reached Rp5,615 trillion with the
growth of Third Party Fund at 12.29% to Rp4,114 trillion yoy,
banking intermediary function increased 11.65% to Rp3,706
trillion yoy, along with the non performing loan ratio that is
under control at around 2%, and the banking capital adequacy
ration of 19.57%, far from the regulator at 8%.
OPERATIONAL OVERVIEW PER BUSINESS SEGMENT
1. Revenue and profitability
The stability of domestic financial market performance
resulted in stable income and profitability of Bank Sinarmas.
Income of PT. Bank Sinarmas Tbk. Generally came from the
provision of financial services and comprehensive products
for all segments. Other income came from the trading and
investing activity in financial market as part of daily activity
in managing all business portfolios of PT. Bank Sinarmas
Tbk.
Net Income (in million Rupiah)
Profitability
Berdasarkan data Statistik Perbankan Indonesia, total aset
bank umum di tahun 2014 mencapai Rp5.615 triliun dengan
perolehan dana pihak ketiga tumbuh 12,29% menjadi Rp4.114
triliun secara yoy, fungsi intermediasi perbankan meningkat
11,65% menjadi Rp3.706 triliun yoy, disertai dengan rasio
kredit bermasalah yang masih terjaga di kisaran 2%, dan
rasio kecukupan modal perbankan sebesar 19,57%, jauh dari
ketentuan regulator sebesar 8%.
TINJAUAN OPERASIONAL PER SEGMEN USAHA
1. Pendapatan dan profitabilitas
Terjaganya kinerja pasar keuangan dalam negeri
menimbulkan stabilitas pendapatan dan profitabilitas Bank
Sinarmas. Pendapatan PT. Bank Sinarmas Tbk. secara umum
berasal dari penyediaan layanan keuangan dan produk yang
komprehensif bagi semua segmen. Pendapatan lain berasal
dari aktivitas perdagangan dan investasi di pasar finansial
sebagai bagian dari aktivitas sehari-hari dalam pengelolaan
seluruh portofolio bisnis PT. Bank Sinarmas Tbk.
Pendapatan (dalam Jutaan Rupiah)
Keterangan / Description 2012 2013 2014
Pendapatan Bunga Bersih / Net Interest Income 780.192 826.360 987.625
Profitabilitas
Keterangan / Description 2012 2013 2014
Rasio Kecukupan Modal (CAR) / Capital Adequacy Ratio 18,09% 21,82% 18,38%
Marjin Bunga Bersih (NIM) / Net Interest Margin (Nim) 5,72% 5,23% 5,87%
Biaya Operasional terhadap Pendapatan Operasional (BOPO) / Operating Cost to Operating Revenue (BOPO)
83,75% 83,25% 91,35%
Kredit terhadap Dana yang Dihimpun (LDR) / Loan Deposit Ratio 80,78% 78,72% 83,88%
Rasio Kredit Bermasalah - Bruto (NPL Gross) / Non Performing Loan Ratio - Gross
3,18% 2,50% 3,00%
Rasio Kredit Bermasalah - Neto (NPL Netto) / Non Performing Loan Ratio - Net
2,57% 2,12% 2,56%
Laba terhadap Total Aset (ROA) / Return on Assets 1,74% 1,71% 1,02%
Laba terhadap Ekuitas (ROE) / Return on Equity 15,42% 9,23% 5,72%
Laba Per Saham (dalam Rupiah penuh) / Earnings per Share (in full Rupiah)
Dasar / Basic 23,57 17,87 11,80
Dilusian / Diluted 20,15 16,50 11,56
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2. Lending Activities
Lending in the banking industry has an important role in
the national economy and one of the catalysts to economic
growth. The start-up business or big investor needs lending
facilities from the bank to ensure and support smooth
operation of the company. Lack working capital can hinder
or even stop the operational cycle of a company, especially
the small one and the household that is very susceptible to
financial instability.
In 2014, credit distribution focused on micro, small
and medium enterprises (UMKM). Meawhile, in view of
economic sector, the credit is also distributed to consumer
goods sector for its excellence in faster capital turnover than
the other sector. As of December 31, 2014, the acheivement
of Bank Sinarmas’ credit amounted to 110.26% with the
nominal value of Rp14,298 billion from the target that has
ben set at Rp12,968 billion. Credit growth in 2014 was
recorded at Rp3,332 billion or 30.39% if compared to
2013.
.
2. Kegiatan Perkreditan
Kredit dalam dunia perbankan memiliki peranan
penting dalam perekonomian secara nasional dan
merupakan salah satu penggerak roda perekonomian.
Pengusaha yang baru memulai usaha maupun investor
besar membutuhkan layanan kredit perbankan untuk
memastikan dan mendukung operasi perusahaan maupun
untuk perkembangan bisnis kedepannya. Kekurangan
terhadap modal kerja dapat menghambat atau bahkan
menghentikan siklus operasi suatu perusahaan, khususnya
perusahaan dengan skala kecil dan rumah tangga yang
sangat rentan terhadap goncangan secara finansial.
Pada tahun 2014, penyaluran kredit Bank mulai difokuskan
pada segmen usaha mikro, kecil dan menengah (UMKM).
Sementara secara sektoral, kucuran kredit diberikan ke
sektor consumer goods karena keunggulannya dalam
perputaran modal yang lebih cepat dari sektor lain.
Hingga 31 Desember 2014, pencapaian kredit Bank
Sinarmas adalah sebesar 110,26% dengan nominal sebesar
Rp14.298 miliar dari target yang telah ditetapkan yakni
sebesar Rp12.968 miliar. Pertumbuhan portofolio kredit
pada tahun 2014 tercatat sebesar Rp3.332 miliar atau
30,39% jika dibandingkan dengan tahun 2013.
16.000.000
14.000.000
12.000.000
10.000.000
8.000.000
6.000.000
Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014
11.000.000 11.753.271 12.143.458 12.534.712 12.968.481
10.966.071 11.224.846 11.778.827 12.742.749 14.298.435
Target Kredit 2014 Realisasi Kredit
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Here are table of loans based on economy sector (in million
Rupiah)
Here are table of loans based on remaining maturity.
From total financing in 2014, amounted to 57.89% is
Working Capital Credit, 23.19% is Customer Credit and
18.92 is Investment Credit.
Berikut tabel kredit yang diberikan berdasarkan sektor
ekonomi (dalam jutaan rupiah)
No Keterangan / Description 2012 2013 2014
1 Rumah tangga / Household 2.792.192 2.775.058 3.301.612
2 Perdagangan besar dan eceran / Wholesale and retail trade 1.878.906 2.193.249 3.140.302
3 Perantara keuangan / Financial Intermediary 770.428 885.485 1.549.650
4 Real estate, usaha persewaan, dan jasa perusahaan / Real Estate, leasing service, and Company service 553.992 1.014.499 982.577
5 Industri pengolahan / Manufacturing Industry 1.753.800 1.301.116 1.847.314
6 Pertambangan dan penggalian / Mining and Excavation 507.234 698.638 419.615
7 Transportasi, pergudangan, dan komunikasi / Transportation, Warehousing and Communication 281.263 325.244 395.499
8Jasa kemasyarakatan, sosial budaya, hiburan, dan jasa perorangan lainnya / Social Service, social culture , entertainment, and other individual services
253.794 419.045 552.437
9 Konstruksi / Construction 262.589 256.393 835.785
10 Penyediaan akomodasi dan penyediaan makan minum / Accommodation, Food & Beverage Supply 141.996 51.816 77.469
11 Pertanian, perburuan, dan kehutanan / Agriculture, Hunting, and Forestry 56.397 267.392 603.477
12 Listrik, air, dan gas / Electricity, Water, and Gas 37.328 19.813 3
13 Jasa pendidikan / Educational Services 63.069 28.286 18.373
14 Perikanan / Fishery 11.005 16.023 15.264
15 Jasa kesehatan dan kegiatan sosial / Health services and social activities 2.605 881 813
16 Jasa perorangan yang melayani rumah tangga / Individual services for households - 120 229
17 Lain-lain / Others 1.019.486 713.013 558.016
TOTAL 10.386.084 10.966.071 14.298.435
Berikut tabel kredit yang diberikan berdasarkan sisa umur
jatuh tempo.
No Keterangan / Description 2012 2013 2014
1 < 1 tahun / year 5.131.105 4.885.034 6.598.872
2 > 1 - 2 tahun / year 2.009.219 1.869.105 2.753.796
3 > 2 - 5 tahun / year 2.986.859 3.744.211 3.786.847
4 > 5 tahun / year 258.901 467.721 1.158.920
TOTAL 10.386.084 10.966.071 14.298.435
Dari total pembiayaan 2014, sebesar 57,89% merupakan
fasilitas kredit Modal Kerja, 23,19% Kredit Konsumsi dan
18,92% adalah Kredit Investasi.
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Here are the table which describe Company loans based on
type of usage
Distribution of Bank Sinarmas financing to 25 Core debtors
until the end of December 2014 is recorded at Rp6,214
billion or amounted to 43.46% from total credit of Bank
Sinarmas. Here are the table of Bank Sinarmas Core Debtors
Berikut adalah tabel yang menggambarkan kredit yang
diberikan Perseroan berdasarkan jenis penggunaan:
No Keterangan / Description 2012 2013 2014
1 Modal kerja / Work Capital 5.084.564 5.757.863 8.276.693
2 Investasi / Investment 1.504.058 1.755.573 2.705.890
3 Konsumsi / Consumption 3.797.462 3.452.637 3.315.852
TOTAL 10.386.084 10.966.073 14.298.435
Penyaluran pembiayaan Bank Sinarmas kepada 25 Debitur
Inti sampai dengan akhir Desember 2014 tercatat sebesar
Rp6.214 miliar atau sebesar 43,46% dari total kredit
Bank Sinarmas. Berikut adalah tabel 25 Debitur Inti Bank
Sinarmas:
No.
Nama Debitur / Group
Name of Debtor/Group
Outstanding (dalam Jutaan Rp / in Million
Rp)
Sektor EkonomiEconomic Sector
1 A Group 655.000
Perdagangan Besar dan Eceran / Wholesale and Retail Trade
Perdagangan Besar dan Eceran / Wholesale and Retail Trade
Perdagangan Besar dan Eceran / Wholesale and Retail Trade
Bukan Lapangan Usaha Lainnya / Other Non-Business Sector
2 B Group 518.039
Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainnya / - Social Service, Social Culture, Entertainment and individual services
Industri Pengolahan / Manufacturing Industry
3 C 414.897 Real Estate, Usaha Persewaan, dan Jasa Perusahaan / Real Estate, Leasing Service, and Company Service
4 D 348.000 Perantara Keuangan / Financial Intermediary
5 E Group 312.535
Konstruksi / Construction
Perantara Keuangan / Financial Intermediary
Perantara Keuangan / Financial Intermediary
6 F Group 309.427
Transportasi, Pergudangan dan Komunikasi / Transportation, Warehousing and Communication
Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainnya / Social Service, Social Culture, Entertainment and other Individual Services
7 G Group 289.149 Perdagangan Besar dan Eceran / Wholesale and Retail Trade
Pertambangan dan Penggalian / Mining and Excavation
8 H 264.767 Perantara Keuangan / Financial Intermediary
9 I 260.085 Real Estate, Usaha Persewaan, dan Jasa Perusahaan / Real Estate, Leasing Service, and Company Service
10 J 249.429 Perdagangan Besar dan Eceran / Wholesale and Retail Trade
11 K 246.902 Perantara Keuangan / Financial Intermediary
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Annual Report 2014 | PT. BANK SINARMAS Tbk. 135
Quality of loan assets continuously maintained along with
the growth of financing distribution. In 2014, rate of Non-
Performing Loan / NPL-Net amounted to 2.56%.
Prime Lending Rate
Pursuant to Circular Letter of Bank Indonesia No. 13/5/
DPNP dated February 8, 2011 on transparency of Prime
Lending Rate Information. Bank Indonesia require the entire
Commercial Banks with Total Assets exceeding Rp10 trillion
No.
Nama Debitur / Group
Name of Debtor/Group
Outstanding (dalam Jutaan Rp / in Million
Rp)
Sektor EkonomiEconomic Sector
12 L Group 245.207
Real Estate, Usaha Persewaan, dan Jasa Perusahaan / Real Estate, Leasing Service, and Company Service
Real Estate, Usaha Persewaan, dan Jasa Perusahaan / Real Estate, Leasing Service, and Company Service
Konstruksi / Construction
13 M 243.015 Industri Pengolahan / Manufacturing Industry
14 N 234.019 Konstruksi / Construction
15 O Group 189.762 Perdagangan Besar dan Eceran / Wholesale and Retail Trade
Perdagangan Besar dan Eceran / Wholesale and Retail Trade
16 P 182.069 Konstruksi / Construction
17 Q Group 173.663
Real Estate, Usaha Persewaan, dan Jasa Perusahaan / Real Estate, Leasing Service, and Company Service
Industri Pengolahan / Manufacturing Industry
Industri Pengolahan / Manufacturing Industry
18 R 158.857 Real Estate, Usaha Persewaan, dan Jasa Perusahaan / Real Estate, Leasing Service, and Company Service
19 S Group 147.870
Perdagangan Besar dan Eceran / Wholesale and Retail Trade
Perdagangan Besar dan Eceran / Wholesale and Retail Trade
Industri Pengolahan / Manufacturing Industry
20 T 146.385 Perantara Keuangan / Financial Intermediary
21 U 145.163 Pertanian, Perburuan dan Kehutanan / Agriculture, Hunting, and Forestry
22 V 125.639 Konstruksi / Construction
23 W 122.871 Industri Pengolahan / Manufacturing Industry
24 X 121.460 Perdagangan Besar dan Eceran / Wholesale and Retail Trade
25 Y 110.194 Transportasi, Pergudangan dan Komunikasi / Transportation, Warehousing and Communication
Total 25 Debitur Inti / Core Debtors
6.214.404
Kualitas aset kredit juga senantiasa dijaga seiring dengan
pertumbuhan penyaluran pembiayaan. Pada 2014, tingkat
kredit bermasalah (Non-Performing Loan atau NPL-Net)
sebesar 2,56%.
Suku Bunga Dasar Kredit
Sesuai dengan Surat Edaran Bank Indonesia No.13/5/
DPNP tanggal 08 Februari 2011, perihal transparansi
Informasi Suku Bunga Dasar Kredit (SBDK), Bank Indonesia
mewajibkan seluruh Bank Umum dengan Total Assets
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which performs conventional business activities in Indonesia
to arrange, report, and publish the Prime Lending Rate in
Rupiah which effective since March 31, 2011.
Implementation of reporting and publication of Prime
Lending Rate (SBDK), other than to improve transparency
regarding banking product characteristic (benefit, cost,
risk), is also one of the effort to improve good governance
and encourage healthy competition within banking industry
through the creation of better market discipline.
SBDK has been published through the website www.
banksinarmas.com. Report of the Bank’s SBDK during the
quarterly reporting period of 2014 is as follows:
Settlement of Non-Performing Loans
By the end of December 2014, Ratio of Non-Performing
Loan (NPL) increased to 2.56% from 2.12 in the previous
year. This is due to the decline in loan quality from mining
sector, along with the decline of coal price and weakening
export demand.
Settlement of Non-Performing Loan is performed by
each branch which then delegated to Settlement of Non-
Performing Loans Committee (KPKB). Functions of KPKB
are; conduct verification of loan proposal analysis which
will be settled and take necessary steps to settle the Non-
Performing Loans.
melebihi Rp10 triliun yang melaksanakan kegiatan usaha
secara konvensional di Indonesia untuk menyusun,
melaporkan dan mempublikasikan Suku Bunga Dasar Kredit
(SBDK) dalam Rupiah yang berlaku mulai 31 Maret 2011.
Penerapan pelaporan dan publikasi Suku Bunga Dasar Kredit
(SBDK), selain untuk meningkatkan transparansi mengenai
karakteristik produk perbankan (manfaat, biaya, risiko),
juga merupakan salah satu upaya untuk meningkatkan
good governance dan mendorong persaingan yang sehat
dalam industri perbankan antara lain melalui terciptanya
disiplin pasar (market discipline) yang lebih baik.
SBDK telah dipublikasi melalui website www.banksinarmas.
com. Adapun Laporan SBDK Bank selama periode pelaporan
triwulanan 2014 adalah sebagai berikuti:
Suku Bunga Dasar KreditPrime Lending Rate
Periode / Period
Q1 Q2 Q3 Q4
Kredit Korporasi / Corporate Loan 10,92% 11,19% 11,54% 12,37%
Kredit Ritel / Retail Loan 10,92% 11,19% 11,54% 12,37%
Kredit Mikro / Micro Loan 10,92% 11,19% 11,54% 12,37%
Kredit Konsumsi / Consumption Loan
KPR - - - -
Non KPR 10,92% 11,19% 11,54% 12,37%
Penanganan Kredit Bermasalah
Pada akhir Desember 2014, Rasio Non Performing Loan
(NPL) Net mengalami peningkatan menjadi 2,56% dari
2,12% pada tahun sebelumnya. Hal ini disebabkan karena
memburuknya kualitas kredit dari sektor pertambangan,
seiring dengan penurunan harga batu bara dan melemahnya
permintaan ekspor.
Penanganan kredit bermasalah dilakukan oleh masing-
masing cabang yang kemudian bisa dilimpahkan ke Komite
Penyelesaian Kredit Bermasalah (KPKB). Fungsi-fungsi KPKB
antara lain melakukan verifikasi atas analisa proposal kredit
yang akan diselesaikan dan mengambil langkah-langkah
yang diperlukan untuk menyelesaikan kredit bermasalah.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 137
In Million Rupiah
3. Fund Raising Activity
Funding is carried out by the products, such as Current
Account, Savings and Deposits. Bank Sinarmas’ funding
position at the end of 2014 was Rp16,946 billion, grew
22.63% compared with the previous year at Rp13,819
billion. Then, raised funds are distributed through loans.
The Bank utilizes the excess liquidity by placing funds on
Securities, both Marketable Money Market Securities
and Marketable Capital Market Securities such as Bonds,
Mutual Funds, and others which give better yield. This fund
placement is conducted with intention to prevent idle fund.
At the end of 2014, increase in raised funds was mostly
contributed by increase in Deposits amounted to Rp3,699
billion or amounted to 76.89% if compared to the previous
year. Savings increased by 0.21% compared to last year.
While demand Current Account decreased by 15.44%
compared to the previous year. Accumulation of TPF will be
improved continuously, especially for Current Account and
Savings as well as to maintain Current Account increase.
By the end of December 2014, composition of CASA on
TPF decreased 15.40% from 65.19% at the end of 2013
to 49.79% at the end of 2014. However, on average,
CASA ratio only decreased 0.06% from 62.41% in 2013 to
62.35% in 2014.
Dalam Jutaan Rupiah
Keterangan / Description 2012 2013 2014
Lancar / Current 9.176.817 9.474.993 12.465.968
Perhatian khusus / Special Mention 877.179 1.214.516 1.429.401
Kurang lancar / Sub Standard 236.999 186.398 187.613
Diragukan / Doubtful 23.779 16.873 18.780
Macet / Loss 71.310 73.291 196.673
Jumlah / Total 10.386.084 10.966.071 14.298.435
Cadangan kerugian penurunan nilai / Allowance for Impairment Loss 92.248 56.333 75.078
Jumlah kredit bersih / Total Loan-Net 10.293.836 10.909.738 14.223.357
3. Kegiatan Penghimpunan Dana
Kegiatan penghimpunan dana Bank dilakukan melalui Giro,
Tabungan dan Deposito. Posisi pendanaan Bank Sinarmas
pada akhir tahun 2014 adalah sebesar Rp16.946 miliar,
bertumbuh 22,63% dibandingkan tahun sebelumnya
sebesar Rp13.819 miliar. Dana yang terhimpun disalurkan
kembali dalam bentuk Kredit dan kelebihan likuiditas diatur
dengan penempatan dana pada Surat Berharga, baik Surat
Berharga Pasar Uang maupun Surat Berharga Pasar Modal
seperti Obligasi, Reksadana, dan lain - lain yangmemberikan
imbal hasil (yield) lebih baik. Penempatan dana ini dilakukan
dengan tujuan untuk mencegah terjadinya idle fund.
Pada akhir tahun 2014, pertumbuhan pada dana pihak
ketigasebagian besar dikontribusi dari peningkatan pada
Deposito, yakni sebesar Rp3.699 miliar atau naik sebesar
76,89% jika dibandingkan dengan tahun sebelumnya.
Tabungan juga mengalami peningkatan sebesar 0,21% bila
dibandingkan dengan tahun sebelumnya. Sementara Giro
menurun sebesar 15,44% bila dibandingkan dengan tahun
sebelumnya. Penghimpunan dana nasabah akan terus
ditingkatkan terutama di Giro dan Tabungan (CASA) serta
menjaga kenaikan pada Deposito. Rasio CASA terhadap
total dana pihak ketiga turun 15,40% dari 65,19% di akhir
tahun 2013 menjadi 49,79% di akhir tahun 2014. Akan
tetapi, secara rata-rata, rasio CASA hanya mengalami
penurunan 0,06% dari 62,41% di tahun 2013 menjadi
62,35% di tahun 2014.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014138
In Million Rupiah
Current Account
By the end of 2014, total Current Accounts recorded at
Rp3,190 billion. This figure shows a decrease compared to
2013, which was amounted at Rp3,772 billion. This 15,44
% decrease is caused by Demand Deposit that go out
near the end of the year, because of customer’s business
need , switched to Deposit or moved to other banks which
offered higher interest rate than Bank Sinarmas. However,
on average, current accounts’ growth in 2014 amounted to
Rp4,730 billion, increased 17.52% from Rp4,025 billion in
2013.
Savings
By the end of 2014, total Savings amounted to Rp5,248
billion, slightly increased if compared to position in 2013 at
Rp5,236 billion. This is obviously the impact of interest rate
competition in the market so that the customer tends to
save their money on Deposits.
Deposits
Time Deposit Savings by the end of 2014 amounted to
Rp8,509 billion, grew by 76.89% compared to position
in 2013 at Rp4,810 billion. With market condition where
banks offered quite high interest rate, then Bank Sinarmas
also performed adjustment on interest rate to compete with
other banks. This is also necessary to maintain the Bank’s
liquidity and market share of Bank Sinarmas.
Dalam Jutaan Rupiah
No ProdukProduct
2012 2013 2014
Total % Total % Total %
1 Giro / Current Account 3.151.996 24,51 3.772.352 27,30 3.189.731 18,82
2 Tabungan / Savings 4.148.957 32,26 5.236.420 37,89 5.247.615 30,97
3 Deposito / Deposit 5.559.761 43,23 4.810.289 34,81 8.508.885 50,21
Total 12.860.714 100 13.819.061 100 16.946.231 100
Rata-rata Biaya Dana Pihak KetigaAverage Cost of Third Party Fund
4,11% 3,3% 4,6%
Giro
Pada akhir tahun 2014, Giro tercatat sebesar Rp3.190 miliar.
Angka ini menunjukkan penurunan jika dibandingkan
dengan akhir tahun 2013 yang berjumlah Rp3.772 miliar.
Penurunan sebesar 15,44% terjadi dikarenakan tingginya
volume Giro yang keluar menjelang tanggal 31 Desember
2014, baik dikarenakan pemenuhan kebutuhan bisnis
nasabah, maupun pindahnya dana Giro ke Deposito dan ke
bank lain yang memberikan tingkat bunga yang lebih tinggi
dari Bank Sinarmas. Namun secara rata - rata, pertumbuhan
Giro selama tahun 2014 adalah sebesar Rp4.730 miliar naik
17,52% dari rata - rata selama tahun 2013 yang berjumlah
Rp4.025 miliar.
Tabungan
Pada akhir tahun 2014, jumlah dana Tabungan sebesar
Rp5.248 miliar, meningkat tipis dari tahun 2013 yang
berjumlah Rp5.236 miliar. Hal ini tentunya merupakan
dampak dari persaingan suku bunga di pasar sehingga
nasabah cenderung menyimpan dana pada Deposito.
Deposito
Total simpanan pada Deposito Berjangka pada akhir tahun
2014 sebesar Rp8.509 miliar, naik 76,89% dari akhir
tahun 2013 sebesar Rp4.810 miliar. Dengan kondisi pasar
di mana bank - bank menawarkan tingkat suku bunga
yang cukup tinggi, maka Bank Sinarmas juga melakukan
penyesuaian tingkat suku bunga yang berimbas pada
meningkatnya penghimpunan Deposito secara signifikan.
Penyesuaian tingkat suku bunga dipandang perlu untuk
menjaga likuiditas dan market share Bank Sinarmas.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 139
FINANCIAL PERFORMANCE ANALYSIS AND DISCUSSION
Analysis and discussion on financial performance is created
based on information acquired from Financial Statement of PT.
Bank Sinarmas Tbk. which ended on December 31, 2014 and
has been audited by Public Accountant Firm Moore Stephens
who was appointed by the Company. The Company’s Financial
Statement has acquired reasonable opinion, in all material
respects.
STATEMENTS OF FINANCIAL POSITIONa. Total Assets
ANALISIS DAN PEMBAHASAN KINERJA KEUANGAN
Analisis dan pembahasan kinerja keuangan ini dibuat
berdasarkan informasi yang diperoleh dari Laporan Keuangan
PT. Bank Sinarmas Tbk. yang berakhir pada 31 Desember 2014
dan telah diaudit oleh Kantor Akuntan Publik Moore Stephens
yang ditunjuk Perusahaan. Laporan Keuangan Perusahaan telah
memperoleh pendapat wajar, dalam semua hal yang material.
LAPORAN POSISI KEuANGANa. Total Aset
uraianDescription
2012 2013 2014Pertumbuhan
Growth in 2013 - 2014
Kas / Cash 283.214 375.908 370.991 (1,31%)
Giro pada Bank Indonesia / Demand deposits with Bank Indonesia 1.441.593 1.461.477 1.534.185 4,97%
Giro pada Bank Lain / Demand deposits with other Banks 448.234 247.772 379.910 53,33%
Penempatan pada bank lain dan Bank Indonesia / Placement with other banks and Bank Indonesia
553.334 1.510.764 1.693.348 12,09%
Efek-efek Bersih / Net Securities 1.232.912 1.355.092 1.457.330 7,54%
Pihak ketiga / Third Parties 1.233.039 1.355.340 1.457.454
Cadangan kerugian penurunan nilai / Allowance for impairment losses
(127) (248) (124)
Efek yang dibeli dengan janji jual kembali / Securities Purchased under agreement to resell
- 139.212 - -
Pihak ketiga / Third parties - 139.348 -
Bunga diterima dimuka yang belum diamortisasi / Unamortized interest received in advance
- (136) -
Kredit yang diberikan Bersih / Loans-Net 10.293.836 10.909.738 14.223.357 30,37%
Pihak berelasi / Related parties 1.427.069 944.678 818.780
Pihak ketiga / Third parties 8.959.015 10.021.393 13.479.655
Cadangankerugian penurunan nilai / Allowance for impairment losses
(92.248) (56.333) (75.078)
Tagihan Akseptasi Pihak Ketiga / Acceptance Receivables of Third Parties
- 238.324 67.836 (71,54%)
Penyertaan modal sementara / Temporary capital inclusion - - 173.800 -
Pendapatan bunga akrual / Interest receivable 63.622 73.261 83.429 13,88%
Biaya dibayar di muka / Prepaid Expenses 130.561 265.222 355.139 33,90%
Aset Tetap Bersih / Net Fixed Assets 494.110 544.440 584.058 7,28%
Biaya perolehan / Cost 634.371 739.508 844.300
Akumulasi penyusutan / Accumulated depreciation (140.261) (195.068) (260.242)
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014140
For the fiscal year ended on December 31, 2014, assets of Bank
Sinarmas amounted to Rp21,260 billion, increased progressively
by 21.85% from the year 2013 amounted to Rp17,447
billion. The increase in assets was triggered by rising credit
from Rp10,910 billion in 2013 to Rp14,223 billion in 2014. In
addition, there is also an increase in securities, placements with
other banks and Bank Indonesia and demand deposits with
other banks, from Rp3,114 billion in 2013 to Rp3.531 billion
in 2014.
Cash
In 2014, the Company’s cash is amounted to Rp371 billion, a
decrease of 1.31% from 2013 which was recorded at Rp376
billion. The decrease is intended to reduce the idle money at
branch offices.
Demand Deposits with Bank Indonesia
In 2014, demand deposits with Bank Indonesia was recorded
at Rp1,534 billion, an increase of 4.97% from year 2013 which
was recorded at Rp1,461 billion. This increase is in line with the
increasing number of third party funds of Bank Sinarmas.
Demand Deposits with Other Banks
Demand deposits with other banks increased from Rp248
billion in 2013 to Rp380 billion in 2014. This increase was due
to an increase of needs for visa network transaction settlement.
Placements with Other Banks and Bank Indonesia
Placements with other banks and Bank Indonesia amounted to
Rp1,693 billion in 2014, grew 12.09% from year 2013 which
was recorded at Rp1,511 billion. The increase in the amount of
funds placed in Bank Indonesia deposit facility (FASBI) caused
an increase in placements with other banks and Bank Indonesia.
uraianDescription
2012 2013 2014Pertumbuhan
Growth in 2013 - 2014
Aset Ijarah-Bersih / Ijarah Assets-Net 46.513 104.556 84.180 (19,49%)
Biaya perolehan / Cost 75.191 126.015 173.733
Akumulasi penyusutan / Accumulated depreciation (28.678) (21.459) (78.765)
Cadangan kerugian penurunan nilai / Allowance for impairment losses
- - (10.788)
Aset Lain-Lain Bersih / Other Net Assets 163.963 221.689 251.986 13,67%
Jumlah Aset / Total Assets 15.151.892 17.447.455 21.259.549 21,85%
Untuk tahun buku yang berakhir pada 31 Desember 2014,
aset Bank Sinarmas sebesar Rp21.260 miliar, menunjukan
penigkatan 21,85% dari tahun 2013 sebesar Rp17.447 miliar.
Peningkatan aset ini dipicu oleh naiknya kredit dari Rp10.910
miliar di tahun 2013 menjadi Rp14.223 miliar di tahun
2014. Selain itu, terdapat pula peningkatan pada efek-efek,
penempatan pada bank lain dan Bank Indonesia serta giro pada
bank lain dari Rp3.114 miliar di tahun 2013 menjadi Rp3.531
miliar di tahun 2014.
Kas
Pada 2014, kas Perusahaan tercatat sebesar Rp371 miliar,
menurun 1,31% dari tahun 2013 yang tercatat sebesar Rp376
miliar. Penurunan ini bertujuan untuk mengurangi idle money
di kantor-kantor cabang.
Giro pada Bank Indonesia
Pada 2014, penyimpanan giro pada Bank Indonesia tercatat
sebesar Rp1.534 miliar, meningkat 4,97% dari tahun 2013 yang
tercatat sebesar Rp1.461 miliar. Peningkatan ini seiring dengan
meningkatnya jumlah Dana Pihak Ketiga Bank Sinarmas.
Giro pada Bank Lain
Penyimpanan giro pada Bank lain mengalami peningkatan
dari Rp248 miliar pada tahun 2013 menjadi Rp380 miliar pada
tahun 2014. Kenaikan ini terjadi karena adanya peningkatan
kebutuhan settlement transaksi jaringan visa.
Penempatan pada Bank lain dan Bank Indonesia
Penempatan pada bank lain dan Bank Indonesia tercatat sebesar
Rp1.693 miliar di tahun 2014, bertumbuh 12,09% dari tahun
2013 yang tercatat sebesar Rp1.511 miliar. Peningkatan jumlah
dana yang ditempatkan di fasilitas simpanan Bank Indonesia
(FASBI) menyebabkan naiknya penempatan pada bank lain dan
Bank Indonesia.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 141
Net Securities
All securities (net securities) owned by Bank Sinarmas in 2014
and 2013 are securities that issued by third parties. Total net
securities in 2014 and 2013 respectively amounted to Rp1,457
billion and Rp1,355 billion, or there is a growth of 7.54%. This
increase is the allocation of funds to productive assets that can
give higher yields.
Net Fixed Assets
In line with the improvement of technology-based operating
system quality and to increase productivity, Bank Sinarmas
has added up software, hardware and office equipment. This
encouraged the increased number of net fixed assets from
Rp544 billion to Rp584 billion or an increase of 7.28% at the
end of 2014.
Other Net Assets
In 2014, net other assets is increased by 13.67% to Rp252 billion
from year 2013 which was recorded at Rp222 billion. There is a
significant increase in foreclosed properties (foreclosed assets)
by 137.01% to Rp52 billion, to resolve the problem loans
through foreclosure scheme.
b. Total Liabilities
Efek-efek Bersih
Seluruh surat berharga (efek-efek bersih) yang dimiliki Bank
Sinarmas pada tahun 2014 dan 2013 merupakan efek-efek
yang diterbitkan oleh pihak ketiga. Jumlah efek-efek bersih
pada tahun 2014 dan 2013 masing-masing sebesar Rp1.457
miliar dan Rp1.355 miliar, atau terdapat pertumbuhan sebesar
7,54%. Peningkatan ini merupakan pengalokasian dana ke
aset-aset produktif yang dapat memberikan imbal hasil yang
lebih tinggi.
Aset tetap Bersih
Sejalan dengan peningkatan kualitas sistem operasi berbasis
teknologi serta untuk meningkatkan produktivitas, Bank
Sinarmas melakukan penambahan perangkat lunak, perangkat
keras dan peralatan kantor. Hal ini mendorong naiknya jumlah
aset tetap bersih dari Rp544 miliar menjadi sebesar Rp584
miliar di akhir tahun 2014 atau naik 7,28%
Aset Lain-lain Bersih
Pada tahun 2014, aset lain-lain bersih naik 13,67% menjadi
sebesar Rp252 miliar dari tahun 2013 yang sebesar Rp222
miliar. Terdapat kenaikan yang cukup signifikan pada pos
agunan yang diambil alih (AYDA) sebesar 137,01% menjadi
Rp52 miliar, untuk menyelesaikan kredit bermasalah melalui
skema pengambilalihan agunan.
b. Total Liabilitas
uraian 2012 % 2013 % 2014 %
Liabilitas segera / Liabilities Immediately Payable 204.852 1,54 236.072 1,61 137.857 0,76
Simpanan / Deposits 12.860.714 96,51 13.819.061 94,05 16.946.231 93,63
Pihak berelasi / Related parties 3.717.006 27,89 3.299.063 22,45 3.063.863 16,93
Pihak ketiga / Third parties 9.143.708 68,61 10.519.998 71,60 13.882.368 76,70
Simpanan dari bank lain / Deposits from other banks
152.335 1,14 256.681 1,75 766.197 4,23
Pihak berelasi / Related parties 31.342 0,24 36.199 0,25 17.336 0,10
Pihak ketiga / Third parties 120.993 0,91 220.482 1,50 748.861 4,14
Utang pajak / Taxes payable 18.844 0,14 31.878 0,22 28.224 0,16
Liabilitas akseptasi / Acceptances payable - - 238.324 1,62 67.836 0,37
Surat berharga yang diterbitkan / Securities issued
431 0,00 355 0,00 355 0,00
Beban bunga akrual / Accrued interest 21.584 0,16 16.925 0,12 31.930 0,18
Liabilitas pajak tangguhan - bersih / Deferred tax liabilities - net
39.563 0,30 62.341 0,42 84.048 0,46
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014142
PT. Bank Sinarmas Tbk. liabilities on December 31, 2014 and
December 31, 2013, were Rp18,099 billion and Rp14,693
billion respectively. Total liabilities increased by 23.18% due to
increase in Third Party Funds by 76.88%, causing the increase
in deposit interest expenses as much as 198.50% compared to
year 2013.
Liabilities Immediately Payable
At the end of 2014, Bank Sinarmas recorded liability immediately
payable at Rp138 billion, decreased by 41.60% compared to
year 2013, which was amounted to Rp236 billion. The decline
occurred due to the reduced remittance transactions in foreign
currencies that have not been completed by the end of 2014
compared to year 2013.
Deposits from Other Banks
Deposits of other banks and other institutions consist of demand
deposits, time deposits, interbank call money and mudaraba
investment certificates among Islamic Banks. This post is used
for interbank transactions in the context of liquidity operation
and management. The position of deposits from other banks
and other institutions at the end of 2014 is amounted to Rp766
billion, an increase of 198.50% from the previous year which
were recorded at Rp257 billion.
Other Liabilities
Other liabilities consist of derivative liabilities, unearned
income, deposit guarantees, government insurance premium,
and others. The value of other liabilities increased by 35.34%,
from Rp12 billion at the end of 2013 to Rp16 billion in 2014.
uraian 2012 % 2013 % 2014 %
Liabilitas imbalan kerja jangka panjang / Long-term employee benefits liabilities
17.419 0,13 19.529 0,13 20.109 0,11
Liabilitas lain-lain / Other liabilities 10.542 0,08 12.029 0,08 16.280 0,09
Jumlah Liabilitas / Total Liabilities 13.326.284 100,00 14.693.195 100,00 18.099.067 100,00
Liabilitas PT. Bank Sinarmas Tbk. yang berakhir pada 31
Desember 2014 dan 31 Desember 2013, masing-masing
adalah sebesar Rp18.099 miliar dan Rp14.693 miliar. Total
liabilitas mengalami peningkatan sebesar 23,18% karena
adanya peningkatan pada Deposito sebesar 76,9%, serta
peningkatan simpanan dari bank lain naik sebesar 198,50%
bila dibandingkan tahun 2013.
Liabilitas Segera
Di akhir tahun 2014, Bank Sinarmas mencatat liabilitas
segera sebesar Rp138 miliar, turun 41,60% dibanding tahun
2013 yang sebesar Rp236 miliar. Penurunan terjadi karena
berkurangnya transaksi pengiriman uang dalam valuta asing
yang belum diselesaikan pada akhir tahun 2014 dibanding
dengan tahun 2013.
Simpanan dari Bank Lain
Simpanan dari bank lain dan lembaga lainnya terdiri dari giro,
deposito berjangka, interbank call money dan sertifikat investasi
mudharabah antar bank syariah. Pos ini digunakan untuk
transaksi antar bank dalam rangka operasional dan manajemen
likuiditas. Posisi simpanan dari bank lain dan lembaga lainnya di
akhir tahun 2014 adalah sebesar Rp766 miliar, naik 198,50%
dari tahun sebelumnya yang tercatat sebesar Rp257 miliar.
Liabilitas Lainnya
Liabilitas lainnya terdiri dari liabilitas derivatif, pendapatan
diterima dimuka, setoran jaminan, premi penjaminan
pemerintah dan lain-lain. Nilai liabilitas lainnya naik 35,34%
dari Rp12 miliar pada akhir tahun 2013 menjadi Rp16 miliar
pada 2014.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 143
c. Equity
In 2014, total equity of PT. Bank Sinarmas Tbk. increased to
Rp3,160 billion, increased by 14.75% from year 2013 which
was amounted to Rp2,754 billion. The increase was due
to the exercise of warrants I and II as well as the increase in
retained earnings for the year 2014. In addition, in October
and November 2014, the Bank increased its capital through the
issuance of new shares without Rights issue.
PT. Bank Sinarmas Tbk. capital structure has been maintained
and is in healthy level with Capital Adequacy Ratio (CAR) of
18.38% at the end of 2014. The value exceeded the minimum
requirements set by Bank Indonesia, which is 8%.
INCOME STATEMENTSNet Interest Incomes
In 2014, net interest incomes of PT. Bank Sinarmas Tbk. is
amounted to Rp988 billion, an increase of 19.52% from
previous year which was recorded at Rp826 billion. This increase
was due to growth in the loan portfolio and net interest margin.
c. Ekuitas
uraianDescription
2012 2013 2014Pertumbuhan2013 - 2014
Modal saham - nilai nominal Rp100 (dalam Rupiah penuh) per sahamModal dasar - 20.000.000.000 sahamModal ditempatkan dan disetor - 14.040.168.349 saham pada 31 Desember 2014 dan 13.116.881.498 saham pada 31 Desember 2013
Capital stock - Rp100 (in full Rupiah) par value per shareAuthorized - 20,000,000,000 sharesIssued and paid-up 14,040,168,349 shares as of December 31, 2014 and 13,116,881,498 shares as of December 31, 2012
1.028.384 1.311.688 1.404.016 7,04%
Tambahan modal disetor - bersih / Additional paid-in capital - net
342.032 766.224 920.494 20,13%
Rugi yang belum direalisasi atas penurunan nilai wajar efek tersedia untuk dijual / Unrealized loss on decrease in fair value of available for sale securities
(33.058) (33.002) (28.310) (14,22%)
Saldo laba / Retained earnings
Ditentukan penggunaannya / Appropriated 4.000 4.500 5.000 11,11%
Tidak ditentukan penggunaannya / Unappropriated 484.250 704.850 859.282 21,91%
Jumlah ekuitas / Total Equity 1.825.608 2.754.260 3.160.482 14,75%
Jumlah ekuitas PT. Bank Sinarmas Tbk. tahun 2014 naik
menjadi Rp3.160 miliar. Angka ini meningkat 14,75% dari
tahun 2013 yang berjumlah Rp2.754 miliar. Peningkatan
ekuitas ini dikarenakan adanya exercise waran seri I dan II
serta penambahan saldo laba ditahan selama tahun 2014. Di
samping itu, pada bulan Oktober dan November 2014, Bank
telah melakukan penambahan modal melalui penerbitan saham
baru tanpa Hak Memesan Efek Terlebih Dahulu (Non-HMETD).
Struktur permodalan PT. Bank Sinarmas Tbk. berhasil
dipertahankan dan berada pada level yang sehat dengan rasio
kecukupan modal/kewajiban penyediaan modal minimum
(Capital Adequacy Ratio-CAR) sebesar 18,38% pada akhir
tahun 2014. Nilai ini melebihi persyaratan minimum yang
ditentukan oleh Bank Indonesia, yaitu 8%.
LAPORAN LABA RuGIPendapatan Bunga Bersih
Pada tahun 2014, pendapatan bunga bersih PT. Bank Sinarmas
Tbk. tercatat sebesar Rp988 miliar, meningkat 19,52% dari
tahun sebelumnya yang berjumlah Rp826 miliar. Peningkatan
ini dikarenakan adanya pertumbuhan pada portofolio kredit
serta meningkatnya net interest margin.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014144
Pendapatan bunga tumbuh sebesar 29,09% atau Rp404 miliar
menjadi Rp1.795 miliar pada tahun 2014, dari Rp1.390 miliar
pada tahun 2013. Peningkatan ini terutama ditopang oleh
peningkatan pada pendapatan bunga kredit yang disalurkan
yaitu sebesar 30,97% atau bertambah Rp378 miliar, sejalan
dengan peningkatan pada volume kredit yang disalurkan
dan peningkatan suku bunga. Pendapatan bunga kredit
berkontribusi 89,06% dari keseluruhan pendapatan bunga.
Selain pendapatan bunga dari kredit, pendapatan bunga atas
penempatan pada bank lain dan Bank Indonesia merupakan
kontributor kedua terbesar, yaitu 5,33% dari total pendapatan
bunga. Penempatan pada bank lain dan Bank Indonesia
bertumbuh 21,83% atau Rp17 miliar menjadi Rp96 miliar pada
tahun 2014, dari Rp79 miliar pada tahun 2013. Pertumbuhan
pada pendapatan bunga ini dikarenakan meningkatnya rata-
rata penempatan pada fasilitas simpanan Bank Indonesia
(FASBI).
Imbal hasil yang diterima Bank Sinarmas atas keseluruhan
portofolio aktiva produktif tercatat sekitar 9,39% pada tahun
2014, meningkat 95 bps dibandingkan 8,44% pada tahun
2013.
Pada tahun 2014, beban bunga yang dibayarkan perusahaan
meningkat 43,12% atau Rp243 miliar menjadi Rp807 miliar,
dari Rp564 miliar di tahun 2013. Di tengah tingginya tingkat
suku bunga deposito perbankan nasional, maka untuk
memastikan agar likuiditas tetap terjaga Bank Sinarmas
melakukan penyesuaian tingkat suku bunga deposito. Sejalan
dengan kenaikan suku bunga deposito yang mendorong naik
dana deposito yang terhimpun sebesar 76,89%, beban bunga
deposito meningkat 60,26% atau Rp158 miliar menjadi Rp419
miliar. Cost of fund deposito meningkat menjadi 6,28% pada
tahun 2014, atau bertumbuh 170 bps dari tahun 2013.
Beban bunga tabungan bertumbuh 22,08% seiring dengan
naiknya rata - rata dana tabungan sebesar Rp424 miliar atau
menjadi Rp4.787 miliar. Kenaikan beban bunga disertai
dengan naiknya cost of fund tabungan sebesar 50 bps menjadi
5,40%. Sementara itu, beban bunga giro juga bertumbuh
dengan naiknya rata - rata dana giro dari Rp4.025 miliar
menjadi Rp4.730 miliar, namun cost of fund atas giro relatif
stabil di kisaran 1,30%. Diluar beban bunga dari dana pihak
Interest income grew by 29.09% or Rp404 billion to Rp1,795
billion in 2014, from Rp1,390 billion in 2013. The increase
was mainly supported by the increase in interest income of
loans disbursed in the amount of 30.97% or increased by
Rp378 billion, in line with the increase in the volume of loans
disbursed and an increase in interest rates. Loan interest income
contributed 89.06% of total interest income.
In addition to interest income from loans, interest income on
placements with other banks and Bank Indonesia is the second-
largest contributor with 5.33% from total interest income.
Placements with other banks and Bank Indonesia grew 21.83%
or Rp17 billion to Rp96 billion in 2014, from Rp79 billion in
2013. The growth in interest income is due to the increase
in the average placement of Bank Indonesia deposit facility
(FASBI).
Yields received by Bank Sinarmas on the overall portfolio of
earning assets were approximately 9.39% in 2014, an increase
of 95 bps compared to 8.44% in 2013.
In 2014, the company paid interest expense increased by
43.12% or Rp243 billion to Rp807 billion from Rp564 billion in
2013. In the midst of the high level of interest rates on deposits
of national banks, to ensure that liquidity is maintained, Bank
Sinarmas adjusted the interest rate deposits. In line with the
increase in deposit rates were pushed up deposits collected by
76.89%, the deposit interest expense increased by 60.26% or
Rp158 billion to Rp419 billion. Cost of fund deposits increased
to 6.28% in 2014, or grew 170 bps from year 2013.
Interest expense savings increased by 22.08% in line with
increase in the average savings fund by Rp424 billion or
become Rp4,787 billion. The increase in interest expense was
accompanied by cost of funds on savings which grew 50 bps
to 5.40%. Meanwhile, demand deposit interest expense also
grew due to the increase in the average demand deposits funds
from Rp4,025 billion to to Rp4,730 billion. However, cost of
funds on demand deposits was relatively stable at the level of
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 145
ketiga, beban bunga atas simpanan dari bank lain meningkat
menjadi Rp31 miliar dari Rp2 miliar pada tahun 2013 yang
dikarenakan adanya kenaikan sebesar Rp510 miliar pada dana
simpanan dari bank lain.
Pertumbuhan pendapatan bunga yang cukup signifikan
mendorong naik pendapatan bunga bersih sebesar 19,52%
menjadi Rp988 miliar pada tahun 2014 dibandingkan dengan
Rp826 miliar pada tahun 2013. Net interest margin meningkat
menjadi 5,87% pada tahun 2014 dari 5,23% pada tahun 2013.
Pendapatan Operasional Lainnya
Pendapatan operasional lainnya mengalami penurunan sebesar
8,77% menjadi Rp251 miliar di tahun 2014 dari Rp275 miliar di
tahun 2013. Penurunan ini disebabkan oleh penurunan pada
pendapatan provisi dan komisi selain dari kredit, terutama dari
pendapatan komisi bancassurance yang turun Rp39 miliar
seiring dengan penurunan pada nilai outstanding.
Di sisi lain, terdapat pula peningkatan pada pendapatan
operasional lain lainnya yang dikarenakan naiknya keuntungan
dari penjualan efek yang diperdagangkan dari Rp129 juta
menjadi Rp9 miliar, serta peningkatan hasil lelang agunan dari
Rp62 juta menjadi Rp4 miliar.
Beban Operasional Lainnya
Beban operasional lainnya tercatat sebesar Rp1.037 miliar,
meningkat 27,27% dibandingkan posisi tahun 2013.
Peningkatan terbesar ada pada beban umum dan administrasi
yang meningkat 25,50% atau sebesar Rp120 miliar, yang
terutama berasal dari kenaikan beban operasional harian,
beban transportasi serta beban pemeliharaan dan perbaikan.
Kenaikan-kenaikan ini sejalan dengan pengembangan jaringan
kantor yang dilakukan pada tahun 2013 namun biaya-biaya
yang timbul baru tercatat penuh di tahun 2014. Di samping
itu, Bank Sinarmas juga melakukan peningkatan kapasitas dan
kapabilitas teknologi informasi serta melakukan investasi untuk
meningkatkan efisiensi dan profitabilitas kantor-kantor.
Beban tenaga kerja mengalami peningkatan sebesar 19,46%
atau Rp55 miliar, menjadi Rp337 miliar pada tahun 2014.
Kenaikan ini sejalan dengan penambahan jumlah karyawan,
kenaikan gaji dan tunjangan, termasuk pemberian bonus serta
tunjangan lainnya.
1.30%. Excluding interest expense from third party funds, the
interest expense on deposits from other banks increased to
Rp31 billion from 2 billion in 2013 due to an increase of Rp510
billion in deposits from other banks.
The significant growth of interest income pushed up net
interest income by 19.52% to Rp988 billion in 2014 compared
to Rp826 billion in 2013. Net interest margin increased to
5.87% in 2014 from 5.23% in 2013.
Other Operating Revenues
Other operating revenues decreased by 8.77% to Rp251 billion
in 2014 from Rp275 billion in 2013. The decrease was due to a
decrease in fee and commission income in addition to credits,
especially from bancassurance commission income which
decreased by Rp39 billion due to a decrease in outstanding
value.
On the other hand, there is also an increase in other operating
revenues due to the increase of profits from the sale of
securities trade from Rp129 million to 9 billion, and an increase
in collateral auction results from Rp62 million to Rp4 billion.
Other Operating Expenses
Other operating expenses amounted to Rp1,037 billion, an
increase of 27.27% compared to the year 2013. The largest
increase is in general and administrative expenses increased
by 25.50% or Rp120 billion, which mainly derived from the
increase in daily operating expenses, transportation expenses,
and maintenance and repair expense. The increases were in line
with the development of office network conducted in 2013,
but the costs incurred are just fully recorded in year 2014. In
addition, the Bank also increased its capacities and capabilities
of information technology and made an investment to improve
the efficiency and profitability of the offices.
Manpower cost increased by 19.46% or Rp55 billion to Rp337
billion in 2014. The increase was in line with increase in number
of employees, increase in salaries and benefits, including
bonuses and other benefits.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014146
Bank Sinarmas focuses on long-term objective achievement,
that is payment & transaction Bank with the most complete
and integrated distribution network. Thus, the Bank conducts
long-term investment through the development of quantity
and quality of Human Capital, as well as conducts several
infrastructure preparation. These affects on Bank’s operating
expense.
Income Before Tax
Income before tax listed in the end of 2014 is Rp201 billion,
decreasing 29,78% from Rp286 billion in the end of 2013.
Income After Tax
Net Income of PT. Bank Sinarmas Tbk. is Rp155 billion,
decreasing 29,93% compared to 2013 that was Rp221 billion.
Calculation of Profit or Loss (in million Rupiahs)
Calculation of Profit or Loss (in million Rupiahs)
STATEMENTS OF CASh FLOwS (in million Rupiahs)
In the end of period 2014, the Bank recorded ending cash
balance and cash equivalent amounted to Rp4,170 billion from
Rp3.695 billion in the end of 2013, or increasing 12,86%.
The increase of cash balance and cash equivalent is caused
by the increase of Third Party Fund, causing the increase of
Bank Sinarmas fokus kepada pencapaian objektif jangka
panjang yaitu menjadi payment & transaction bank dengan
jaringan distribusi terlengkap dan terintegrasi. Untuk itulah,
Bank melakukan investasi jangka panjang melalui peningkatan
kualitas dan kuantitas sumber daya manusia, serta melakukan
berbagai persiapan infrastruktur. Hal-hal di atas berdampak
pada beban operasional bank.
Laba Sebelum Pajak
Laba sebelum pajak yang dibukukan di akhir tahun 2014
sebesar Rp201 miliar, turun 29,78% dari Rp286 miliar pada
akhir tahun 2013.
Laba setelah Pajak
Laba bersih PT. Bank Sinarmas Tbk. sebesar Rp155 miliar, turun
29,93%, dibandingkan dengan tahun 2013 yang sebesar
Rp221 miliar.
Perhitungan Laba Rugi (dalam jutaan rupiah)
KeteranganDescription 2012 2013 2014
PertumbuhanGrowth
2013 - 2014
Pendapatan bunga bersih / Net interest income 780.192 826.360 987.625 19,52%
Pendapatan operasional lainnya / Other operating income 171.150 275.230 251.106 (8,77%)
Pendapatan operasional / Operating income 1.622.734 1.665.377 2.045.612 22,83%
Beban operasional / Operating expense 1.337.255 1.379.277 1.844.717 33,75%
Laba sebelum pajak / Income before tax 285.479 286.100 200.895 (29,78%)
Laba bersih / Net income 227.906 221.100 154.932 (29,93%)
LAPORAN ARuS KAS(dalam jutaan Rupiah)
KeteranganDescription 2012 2013 2014
Kas Bersih yang Diperoleh dari (Digunakan untuk) dari Kegiatan Operasi / Net cash obtained from (used to) operating activities (1.112.467) (35.610) 324.116
Kas Bersih yang Diperoleh dari (Digunakan untuk) dari Kegiatan Investasi / Net cash obtained from (used to) investing activities (184.826) (104.846) (104.951)
Kas Bersih yang Diperoleh dari (Digunakan untuk) dari Kegiatan Pendanaan / Net cash obtained from (used to) financing activities 297.289 707.496 246.598
Pada akhir periode 2014, Perusahaan membukukan saldo
akhir kas dan setara kas sebesar Rp4.170 miliar dari Rp3.695
miliar pada akhir tahun 2013 atau meningkat sebesar 12,86%
Peningkatan saldo kas dan setara kas akibat adanya peningkatan
DPK yang menyebabkan kenaikan GWM, peningkatan giro
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 147
demand deposits with other banks for the need of visa netwrok
transaction settlement, the increase of placement on FASBI as
well as the increase of effects placement for short-term trading.
Cash from Operating Activities
In 2014, total of net cash flows obtained from operating
activities increases amounted to Rp324 billion. Net cash flows
from operating activities increase along with the increase of
interest income and profit sharing, as well as the stability of
Rupiah’s exchange rate at the end of 2014 compared to the
depreciation of Rupiah in 2013 which amounted to 26.28%.
Cash from Investing Activities
Net cash flow used for investing activities in 2014 amounting
to Rp105 billion. The cash was used for investment activities in
fixed assets.
Cash from Financing Activities
net cash flow obtained from financing activities during 2014
amounted to Rp247 billion. The source of this fund was
conversion of Series I and Series II Warrants, as well as issuance
of new shares from the capital increment without pre-emptive
rights (non-HMETD).
TARGET AND REALIzATION 2014 AND FINANCIAL PROJECTION 2015
pada bank lain untuk keperluan settlement transaksi jaringan
visa, peningkatan penempatan pada FASBI serta kenaikan
penempatan efek-efek untuk trading berjangka pendek.
Kas dari aktivitas operasi
Pada 2014, total arus kas bersih yang diperoleh dari aktivitas
Pada tahun 2014, arus kas bersih yang diterima dari
aktivitasoperasiadalah sebesar Rp324 miliar. Arus kas bersih
dari aktivitas operasi meningkat seiring dengan meningkatnya
pendapatan bunga dan bagi hasil, serta cukup stabilnya kurs
Rupiah di akhir tahun 2014 dibanding depresiasi Rupiah di
tahun 2013 yang sebesar 26,28%.
Kas dari aktivitas investasi
Arus kas bersih yang dikeluarkan untuk aktivitas investasi
adalah sebesar Rp105 miliar, yang digunakan untuk investasi
pembelian aset tetap.
Kas dari aktivitas pendanaan
Arus kas bersih yang diperoleh dari aktivitas pendanaan
selama tahun 2014 adalah Rp247 miliar yang berasal dari hasil
konversi waran seri I dan II serta penerbitan saham baru dari
penambahan modal tanpa Hak Memesan Efek Terlebih Dahulu
(PMTHMETD).
TARGET DAN REALISASI 2014 SERTA PROYEKSI KEUANGAN 2015
KeteranganDescription
Target / Target2014
Realisasi /Realization
2014%
Proyeksi /Projection
2015
Aset / Asset 19.682.805 21.259.549 108,01% 25.331.947
Kredit / Loans 12.968.481 14.298.435 110,26% 16.800.000
DPK / Third Party Funda 15.827.592 16.946.231 107,07% 20.788.000
Giro / Demand Deposits 4.588.659 3.189.731 69,51% 4.789.000
Tabungan / Savings Deposits 6.269.563 5.247.615 83,70% 7.128.000
Deposito / Deposits 4.969.370 8.508.885 171,23% 8.871.000
CASA / CASA (Current Account Saving Account) 69% 50% 57%
Laba Sebelum Pajak / Income before tax 277.445 200.895 72,41% 370.464
Laba Setelah Pajak / Income after tax 221.956 154.932 69,80% 296.371
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014148
THE CAPACITY TO PAY DEBTS AND THE LEVEL OF RECEIVABLES COLLECTABILITY
Bank’s capacity in paying debts, both long-term debts and
short-term debts, is reflected by Solvency and Collectability ratio
calculation that consist of Capital Adequacy Ratio, Collectability
Ratio, as well as Liquidity Ratio.
Capital Adequecy Ratio
Capital Adequecy Ratio of Bank Sinarmas is 18,38%, decreasing
from 21,82% in 2013. It is in line with the increase of credit
channeling.
Liquidity
Loan to Deposit Ratio (LDR)
In the end of 2014, it is listed that LDR ratio is 83,88%,
increasing from 78,72 in 2013. The increase of LDR shows the
commitment of the Bank in conducting intermediation function
in credit channeling.
CAPITAL STRUCTURE AND MANAGEMENT POLICY REGARDING CAPITAL STRUCTURE
KEMAMPUAN MEMBAYAR UTANG DAN TINGKAT KOLEKTIBILITAS PIUTANG
Kemampuan bank dalam memenuhi seluruh kewajiban, baik
kewajiban jangka panjang maupun jangka pendek, dicerminkan
oleh perhitungan rasio Solvabilitas dan Kolektibilitas, yang
terdiri dari Rasio Kecukupan Modal, Rasio Kolektibilitas serta
Rasio Likuiditas.
Rasio Kecukupan Modal
Rasio kecukupan modal Bank Sinarmas sebesar 18,38%, turun
dari angka sebesar 21,82% di tahun 2013. Hal ini sejalan
dengan meningkatnya penyaluran kredit.
Likuiditas
Loan to Deposit Ratio (LDR)
Pada akhir tahun 2014, tercatat rasio LDR adalah sebesar
83,88%, naik dari posisi sebesar 78,72% di tahun 2013.
Kenaikan LDR ini menunjukan komitmen Bank menjalankan
fungsi intermediasi dalam penyaluran kredit.
STRUKTUR MODAL DAN KEBIJAKAN MANAJEMEN ATAS STRUKTUR MODAL
Posisi Kecukupan Modal Bank SinarmasCapital Adequecy Position of Bank Sinarmas 2012 2013 2014
Modal Inti / Core capital 1.692.498 2.528.077 2.850.101
Modal Pelengkap / Suplementary Capital 97.637 109.420 126.838
Total ATMR Kredit setelah memperhitungkan risiko spesifik / Total credit ATMR after calculating specific risk 8.615.340 10.384.365 14.291.448
Total ATMR Pasar / Total market ATMR 184.023 213.655 73.526
Total ATMR Operasional / Total opeartional ATMR 1.097.724 1.490.878 1.832.145
Total ATMR untuk Risiko Kredit, Pasar dan Operasional / Total ATMR for Credit, Operational, and Market Risk 9.897.087 12.088.898 16.197.119
Rasio KPMM/CAR dengan memperhitungkan Risiko Kredit / KPMM/CAR Ratio by calculating Credit Risk 20,78% 25,40% 20,83%
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 149
In accordance with Bank Indonesia regulation, Bank Capital
consists of:
1. Core Capital
Bank capital that consists of paid-in capital share, reserve
referred as donation capital, additional paid-in capital,
retained earning (including retained earning referred to
particular purpose), impairment of financial instruments to
be sold, and the difference among financial statements of
International branch offices. Core capital of Bank Sinarmas
in 2014 is Rp2,850 billion, increasing 12,74% from Rp2,528
billion in 2013, because of additional capital from retained
earning components.
2. Suplementary Capital
Total suplementary capital of Bank Sinarmas in 2014
increases 15,92% to be Rp127 billion in result from 2013
that was Rp109 billio, that is contributed by the increase of
general reserve of earning assets.
Capital Structure Policy
The Bank should calculate Capital Adequacy Ratio (CAR)
based on Bank Indonesia regulation No. 14/18/PBI/2012 dated
November 28, 2012. To fulfill the requirement, Bank Sinarmas
has several policies to maintain capital structure that can
anticipate main risks in Bank managements, that are market
risk, credit risk, and operational risk. Bank Sinarmas capital
management policy is also referred to maintain strong capital
structure to support future business growth.
Posisi Kecukupan Modal Bank SinarmasCapital Adequecy Position of Bank Sinarmas 2012 2013 2014
Rasio KPMM/CAR dengan memperhitungkan Risiko Kredit dan Pasar / KPMM/CAR Ratio by calculating Credit and Market Risk 20,34% 24,89% 20,72%
Rasio KPMM/CAR dengan memperhitungkan Risiko Kredit dan Operasional / KPMM/CAR Ratio by calculating Credit and Operational Risk
18,43% 22,21% 18,46%
Rasio KPMM/CAR dengan memperhitungkan Risiko Kredit, Operasional dan Pasar / KPMM/CAR Ratio by calculating Credit, Operational, and Market Risk
18,09% 21,82% 18,38%
Sesuai dengan Peraturan Bank Indonesia, modal bank terdiri
atas:
1. Modal Inti
Modal bank yang terdiri dari modal saham yang disetor,
cadangan yang diungkapkan sebagai modal sumbangan,
tambahan modal disetor, laba ditahan (termasuk saldo laba
yang dicadangkan untuk tujuan tertentu), penurunan nilai
atas instrumen keuangan yang tersedia untuk dijual, dan
selisih yang terjadi antara laporan keuangan kantor cabang
internasional. Modal Inti Bank Sinarmas di tahun 2014
mencapai Rp2.850 miliar, naik 12,74% dari posisi Rp2.528
miliar di tahun 2013, karena adanya tambahan modal dari
komponen laba ditahan.
2. Modal Pelengkap (maksimum 100% dari modal inti)
Total modal pelengkap Bank Sinarmas di tahun 2014 naik
15,92% menjadi sebesar Rp127 miliar dari tahun 2013
sebesar Rp109 miliar, yang dikontribusi oleh kenaikan
cadangan umum aset produktif.
Kebijakan Struktur Modal
Bank wajib menghitung Rasio Kewajiban Penyediaan Modal
Minimum/Capital Adequacy Ratio (CAR) berdasarkan Peraturan
Bank Indonesia No. 14/18/PBI/2012 tanggal 28 November
2012. Untuk memenuhi persyaratan tersebut, Bank Sinarmas
memiliki kebijakan untuk menjaga struktur modal yang mampu
mengantisipasi seluruh risiko utama yang terjadi di dalam
pengelolaan bank, yaitu risiko pasar, risiko kredit, dan risiko
operasional. Kebijakan manajemen modal Bank Sinarmas juga
ditujukan untuk mempertahankan struktur modal yang kuat
untuk mendukung pertumbuhan bisnis di masa depan.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014150
Tujuan utama dari pengelolaan modal Perusahaan adalah
untuk memastikan bahwa Perusahaan mempertahankan
rasio modal yang sehat dalam rangka mendukung bisnis dan
memaksimalkan nilai pemegang saham. Perusahaan wajib
untuk memenuhi rasio Kewajiban Penyediaan Modal Minimum
(KPMM) sebagaimana ditetapkan oleh Bank Indonesia.
Manajemen menggunakan peraturan rasio permodalan untuk
memantau kecukupan modal, sesuai dengan standar industri.
Pendekatan Bank Indonesia untuk pengukuran modal tersebut
terutama didasarkan kepada pemantauan kebutuhan modal
yang diwajibkan (diukur sebagai 8% pada tahun 2014 dan
2013 dari aset tertimbang menurut risiko) terhadap modal
yang tersedia. Sepanjang tahun 2014, Bank Sinarmas telah
memenuhi semua persyaratan modal yang diwajibkan.
IKATAN YANG MATERIAL UNTUK INVESTASI BARANG MODAL
Pada 2014, kami tidak memiliki transaksi yang mengandung
ikatan material untuk investasi barang modal.
INFORMASI DAN FAKTA MATERIAL YANG TERJADI SETELAH TANGGAL LAPORAN AKUNTAN
Setelah tanggal laporan akuntan terdapat informasi dan fakta
material yang terjadi yaitu berdasarkan Rapat Umum Pemegang
Saham Luar Biasa (RUPSLB) pada 24 Maret 2015 yang telah
tercatat dalam Akta Berita Acara Rapat No. 81 tertanggal 24
Maret 2015, pemegang saham menyetujui penambahan 2
(dua) anggota Direksi dengan mengangkat Bapak Soejanto
Soetjijo dan Bapak Frenky Tirtowijoyo Susilo sebagai Direktur,
sehingga jajaran Direksi Bank Sinarmas berjumlah 8 (delapan)
orang. Hal ini juga mengubah struktur organisasi Perusahaan
yang disahkan pada 1 April 2015.
Main purpose of Bank’s capital management is to ensure that
the Bank maintains healthy capital ratio in order to support the
business and maximize shareholders value. The Bank should
fulfill KPMM ratio as regulated by Bank Indonesia.
The management uses capital ratio regulation to monitor
capital adequacy in line with industry standard. Bank Indonesia
approach to measure the capital is mainly based on monitoring
of capital resource requirement (measured as 8% in 2014 and
2013, respectively, of risk-weighted assets). Throughout 2014,
Bank Sinarmas has fulfilled all capital requirement.
MATERIAL TIES FOR THE INVESTMENT OF CAPITAL GOODS
In 2014, the Bank did not have any material ties for the
invesment of capital goods transaction.
INFORMATION AND FACT MATERIAL SUBSEQUENT TO THE DATE OF ACCOUNTANT
After the date of accountant, there was information and
fact material based on Extraordinary General Meeting of
Shareholders (EGMS) dated March 24, 2015 that has been
listed in Decree of Meeting Minutes No.81 dated March 24,
2015, the shareholders approved to add 2 (two) Directors by
appointing Mr. Soejanto Soetjijo and Mr. Frenky Tirtowijoyo
Susilo as the Director, thus total Board of Directos of Bank
Sinarmas are 8 (eight). It also changes organization structure of
the Bank ratified on April 1, 2015.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 151
INFORMASI MATERIAL MENGENAI INVESTASI, EKSPANSI, DIVESTASI, PENGGABUNGAN/PELEBURAN USAHA, AKUISISI, RESTRUKTURISASI UTANG/MODAL
Perusahaan dan pemegang saham PT Teknology Energy
Terpadu (TET), debitur Perusahaan, menandatangani Perjanjian
Jual Beli Saham yang didokumentasikan dalam Akta No. 24 dan
26 tanggal 7 November 2014 dari Yulia S.H., notaris di Jakarta,
untuk 600 lembar saham (100%) PT Artha Pilar Perkasa (APP)
yang dimiliki oleh pemegang saham TET dan bergerak di bidang
perdagangan, jasa, pembangunan dan industri. Penjualan
tersebut dilakukan sehubungan dengan restrukturisasi
tagihan Perusahaan kepada TET. Penjualan saham tersebut
telah mendapat persetujuan dalam Rapat Umum Luar Biasa
Pemegang Saham APP pada tanggal 28 Februari 2015.
Perusahaan membukukan pembelian saham APP tersebut
sebagai Penyertaan Modal Sementara. Dengan mengacu pada
Peraturan Bank Indonesia No. 15/11/PBI/2013 tentang Prinsip
Kehati-hatian dalam Kegiatan Penyertaan Modal, Perusahaan
tidak mengkonsolidasikan penyertaan modal sementara
tersebut dalam laporan keuangan Perusahaan, karena
penyertaan tersebut bersifat sementara dan memiliki bidang
usaha yang berbeda dengan Perusahaan.
Penyertaan modal sementara pada APP tersebut akan
dilepaskan melalui penjualan. Manajemen berkeyakinan bahwa
penyertaan modal sementara tersebut dapat dijual dalam
waktu dekat.
MATERIAL INFORMATION CONCERNING INVESTMENT, EXPANSION, DIVESTMENT, CONSOLIDATION/MERGER, ACQUISITION OR DEBT/CAPITAL RESTRUCTURING
The Company and shareholders of PT Teknology Energy
Terpadu (TET), Company Debtor, signed the Agreement of
Shares Trade which was documented in Deed No.24 and 26
dated November 7, 2014 from Yulia S.H., notary in Jakarta,
for 600 shares (100%) of PT Artha Pilar Perkasa (APP) that
is owned by shareholders of TET and engage in the field of
trade, service, construction & industry. Sales are carried out in
connection with the Company’s bill restructuring to TET. Sales
of shares have acquired approval in the Extraordinary General
Meeting of APP Shareholders on February 28, 2015.
The Company recorded purchase of APP shares as Temporary
Capital Investment. . Referring to the Regulation of Bank
Indonesia No. 15/11/PBI/2013 regarding Principle of Prudent in
Capital Investment Activity, the Company does not consolidate
the temporary capital investment in the Company’s financial
statement, due to such statement is temporary and have
different line of business with the Company.
Temporary Capital Investment on APP will be released through
sales. The Management is confident that temporary capital
investment can be sold in the near future.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014152
MATERIAL INFORMATION TRANSACTION WHICH CONTAINS CONFLICT OF INTEREST AND TRANSACTION WITH RELATED PARTIES
Bank Sinarmas also perform transactions with parties who have
special relationship which will slightly affect the Company’s
operational activity. The relationship has been carried out
with the same requirements which applies to the third parties,
among others:
1. Building rent and insurance on the Bank’s fixed assets,
except land
On December 31, 2014 and 2013, the Company’s fixed
assets except land, Is insurance to PT Asuransi Sinar Mas
with the entire sum insured amounted to Rp686 billion and
Rp658 billion respectively.
2. Commitment and Contingent transaction in form of
L/C and bank guarantee
On December 31, 2014 and 2013, balance of commitment
and contingent transaction (in form of L/C and bank
guarantee) with related parties amounted to Rp197 billion
and Rp139 billion respectively. Balance of cash collateral
from related parties in connection with L/C transaction and
bank guarantee on December 31, 2014 and 2014 amounted
to Rp14.50 billion and Rp14.50 billion respectively.
3. Assets and liabilities transaction
(in million Rupiah)
INFORMASI TRANSAKSI MATERIAL YANG MENGANDUNG BENTURAN KEPENTINGAN DAN TRANSAKSI DENGAN PIHAK BERELASI
Bank Sinarmas juga melakukan transaksi dengan pihak-pihak
yang memiliki hubungan istimewa yang cukup berpengaruh
pada kegiatan operasional Perseroan. Adapun hubungan
tersebut telah dilaksanakan dengan persyaratan yang sama
dengan yang berlaku bagi pihak ketiga, antara lain:
1. Sewa gedung dan asuransi atas aset tetap bank,
kecuali tanah
Pada 31 Desember 2014 dan 2013, aset tetap Perusahaan
kecuali tanah, diasuransikan kepada PT Asuransi Sinar Mas
dengan nilai pertanggungan seluruhnya masing-masing
sebesar Rp686 miliar dan Rp 658 miliar.
2. Transaksi komitmen dan Kontinjensi berupa L/C dan
bank garansi.
Pada 31 Desember 2014 dan 2013, saldo transaksi
komitmen dan kontinjensi (berupa L/C dan bank garansi)
dengan pihak berelasi masing-masing sebesar Rp197 miliar
dan Rp139 miliar. Saldo jaminan tunai dari pihak berelasi
sehubungan dengan transaksi L/C dan bank garansi pada
31 Desember 2014 dan 2013 masing-masing sebesar
Rp14,50 miliar dan Rp 14,50 miliar.
3. Transaksi aset dan liabilitas.
(dalam jutaan Rupiah)
Deskripsi
2013 2014
Total (dalam jutaan rupiah / in million
Rupiah)
Persentase terhadap jumlah aset dan
liabilitas / Percentage on total assets and
liabilities
Total (dalam jutaan rupiah / in million
Rupiah)
Persentase terhadap jumlah aset dan
liabilitas / Percentage on total assets and liabilities
Aset / Assets
Kredit / Loans 944.678 5,41 818.780 3,85
Pendapatan bunga akrual / Accrued Interest Receivables
482 0,00 404 0,00
Biaya dibayar di muka / Prepaid Expenses
33.997 0,19 21.956 0,10
Aset lain-lain / Others Assets 52.352 0,30 18.416 0,09
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 153
Deskripsi
2013 2014
Total (dalam jutaan rupiah / in million
Rupiah)
Persentase terhadap jumlah aset dan
liabilitas / Percentage on total assets and
liabilities
Total (dalam jutaan rupiah / in million
Rupiah)
Persentase terhadap jumlah aset dan
liabilitas / Percentage on total assets and liabilities
Liabilitas / Liabilities
Simpanan / Savings 3.299.063 22,45 3.063.863 16,93
Beban Bunga Akrual / Accrued Interest Expenses
3.404 0,02 3.326 0,02
Liabilitas segera / Liabilities immediately payable
619 0,00 7.632 0,04
Simpanan dari bank lain / Savings from other banks
36.199 0,24 17.336 0,10
4. Transaksi dengan pihak berelasi
• Pada 31Desember 2014 dan 2013, sebesar Rp2.210
miliar dan Rp2.425 miliar dari saldo kredit channeling
disalurkan melalui pihak berelasi.
• Pendapatan bunga dan bagi hasil yang diterima dari
pihak berelasi untuk tahun 2014 dan 2013 masing-
masing sebesar Rp29 miliar dan Rp54 miliar, atau
masing-masing 1,61% dan 3,86% dari jumlah
pendapatan bunga dan bagi hasil.
• Bebanbungadanbagihasilyangdibayarkepadapihak
berelasi untuk tahun 2014 dan 2013 masing-masing
sebesar Rp129 miliar dan Rp107 miliar, atau masing-
masing 15,97% dan 18,99% dari jumlah beban bunga
dan bagi hasil.
• Beban umum dan administrasi yang dibayar kepada
pihak berelasi untuk tahun 2014 dan 2013 masing-
masing sebesar Rp91 miliar dan Rp97 miliar atau
masing-masing 15,38% dan 20,70% dari jumlah beban
umum dan administrasi.
KEBIJAKAN SUKU BUNGA BANK SINARMAS
Untuk meningkatkan daya saing, maka penentuan besarnya
suku bunga untuk kepentingan nasabah dan Bank Sinarmas,
baik untuk pendanaan maupun untuk penempatan dana,
dilakukan melalui Rapat Komite Assets and Liabilities (ALCO).
Rapat ALCO yang diadakan secara rutin, digunakan untuk
mengkaji kondisi ekonomi makro dan mikro serta faktor-faktor
lain yang mempengaruhi kebijakan suku bunga.
4. Transaction with related parties
• On December 31, 2014 and 2013, amounted to
Rp2,210 billion and Rp2,425 billion from balance of
channeling loan is distributed through related parties
• Interest revenues and profit shares from related parties
for 2014 and 2014 amounted to Rp29 billion and Rp54
billion respectively, or 1.61% and 3.86% from total
interest revenues and profit shares.
• Interest expenses and profit shares which is paid
to related parties for 2014 and 2013 respectively
amounted at Rp129 billion and Rp107 billion, or each
by 15.97% and 18.99% from total interest expenses
and profit shares.
• General and administration expenses that is paid to
related parties for 2014 and 2013 respectively amounted
to Rp91 billion and Rp97 billion or 15.38% and 20.70%
each from total general and administration expenses.
BANK SINARMAS INTEREST RATE POLICY
In order to improve competitiveness, then the determination
of interest rate amount for the interest of customer and Bank
Sinarmas, both for financing or fund placement, are conducted
through the Meeting of Assets and Liabilities Committee
(ALCO). ALCO meetings are organized regularly, and used to
review the condition of macro and micro economic condition
as well as other factors that affected the interest rate policy.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014154
Average interest rate per year for significant assets and liabilities
(Sharia account not included), is as follows:
(in percentage)
MARKETING ASPECTS
Marketing Strategy
In 2014, Bank Sinarmas improve the marketing strategies to
increase third party fund savings as follows:
• Innovation on existing products by launching Savings
programs “Gebyar Simas Double Untung”, “Simas Super
Bonus”, “Simas Family”, “Simas Junior”, and other
funding programs that are adjusted to specific events.
• Promoting Simas Community program for customers with
certain communities by organizing gathering event.
• Conducting cross selling to bancassurance customer and
potential mutual funds.
• Conducting funding contest for the entire regional office,
in order to increase the enthusiasm of marketers and
branch leaders.
• Improving various promotion activities nationally or
segmented in order to foster brand awareness and society’s
trust to Bank Sinarmas
• To perform various business cooperation with third parties
in order to improve fundraising and total Customer.
Rata-rata suku bunga per tahun untuk aset dan liabilitas yang
signifikan (tidak termasuk akun Syariah), adalah sebagai berikut:
(dalam persentase)
uraianDescription
2013 2014
Rupiah Mata uang AsingForeign Currency Rupiah Mata uang Asing
Foreign Currency
Aset / Assets
Penempatan pada bank lain dan Bank Indonesia (termasuk giro pada bank lain) / Placement with other banks and Bank Indonesia (including current account with other banks)
3,39 1,13 3,71 0,14
Kredit yang diberikan / Loans 13,19 5,16 13,73 6,81
Liabilitas / Liabilities
Simpanan / Savings 4,80 1,10 5,74 0,83
Simpanan dari bank lain / Savings from other Banks 2,03 0,04 4,28 0,04
ASPEK PEMASARAN
Strategi Pemasaran
Pada tahun 2014, Bank Sinarmas meningkatkan strategi
pemasaran untuk meningkatkan simpanan dana pihak ketiga
sebagai berikut:
• Inovasi terhadapproduk-produkyangsudahada,dengan
meluncurkan program-program Tabungan “Gebyar Simas
Double Untung”, “Simas Super Bonus”, “Simas Family”,
“Simas Junior”, dan program funding lainnya yang
disesuaikan dengan event-event tertentu.
• Menggalakkan program Simas Community untuk
nasabah yang mempunyai komunitas tertentu dengan
penyelenggaraan acara gathering.
• Melakukan cross selling kepada nasabah bancassurance
dan reksa dana yang potensial.
• Mengadakan kontes funding kepada seluruh kantor
wilayah, untuk meningkatkan antusiasme para tenaga
pemasar dan pimpinan cabang.
• Meningkatkan berbagai aktivitas promosi baik secara
nasional maupun tersegmentasi guna menumbuhkan
brand awareness dan kepercayaan masyarakat terhadap
Bank Sinarmas.
• Melakukanberbagaikerjasamabisnisdenganpihakketiga
dalam upaya meningkatkan penghimpunan dana dan
jumlah nasabah.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 155
Diantara semua layanan produk funding Bank Sinarmas yang
ada, Tabungan Sinarmas masih merupakan produk andalan dan
yang paling diminati oleh nasabah Bank Sinarmas. Khususnya
Tabungan Sinarmas dengan jaringan kartu Debit Union Pay
yang merupakan hasil kerja sama bisnis (co-branding) antara
Bank Sinarmas dengan Union Pay.
Setiap nasabah Bank Sinarmas diberikan fasilitas kartu ATM
Bank Sinarmas yang dapat digunakan untuk bertransaksi di
jaringan ATM, Union Pay, Prima, ALTO, ATM Bersama, MEPS
(Malaysia), dan VISA. Selain itu Kartu ATM Bank Sinarmas
juga dapat melakukan pembayaran/ belanja di merchant
/ EDC berlogo Union Pay, Prima Debit dan VISA. Dengan
memiliki Kartu ATM Bank Sinarmas nasabah dapat menikmati
keamanan, kemudahan dan kenyamanan transaksi perbankan,
kapan saja dimana saja. Selain itu, Bank Sinarmas juga memiliki
layanan Internet Banking dan Mobile Banking (SIMOBI) yang
selalu memberikan kemudahan nasabah dalam melakukan
transaksi kapan saja dan di mana saja.
Pangsa Pasar
Berdasarkan jenisnya, Bank Sinarmas tergolong Bank Umum
Swasta Nasional (BUSN) Devisa. Bank Sinarmas juga termasuk
dalam 1 dari 9 bank yang ada dalam kelompok Bank dengan
aset berjumlah Rp10 triliun hingga Rp50 triliun.
KEBIJAKAN DIVIDEN
Seluruh saham Perseroan yang telah ditempatkan, termasuk
saham baru yang akan dikeluarkan dalam rangka Penawaran
Umum ini mempunyai hak yang sama dan sederajat dalam
segala hal dengan pemegang saham lama termasuk hak atas
dividen sesuai dengan ketentuan Anggaran Dasar Perseroan
dan peraturan perundang-undangan yang berlaku.
Perseroan tidak memiliki negative covenants sehubungan
dengan pembatasan pihak ketiga dalam rangka pembagian
dividen. Pembagian dan besaran dividen akan dikaitkan dengan
keuntungan yang diperoleh Perseroan pada tahun buku yang
bersangkutan dan jika Capital Adequacy Ratio (CAR) Perseroan
setelah memperhitungkan risiko pasar mencapai ≥20%,
dengan tanpa mengurangi hak dari RUPS Perseroan untuk
Between all funding product services of Bank Sinarmas,
Sinarmas Savings is still a flagship product and most desired by
customers of Bank Sinarmas. Especially Sinarmas Savings with
Union Pay Debit card network which is the result of business
cooperation (co-branding) between Bank Sinarmas with Union
Pay.
Each customer of Bank Sinarmas are provided with Bank
Sinarmas ATM card which can be used for transactions in ATM
network, Union Pay, ALTO, ATM Bersama, MEPS (Malaysia),
and VISA. Other than that, ATM Card of Bank Sinarmas can
also be used for payment/shopping in merchant/EDC with
Union Pay logo, Prima Debit and VISA. By having Bank Sinarmas
ATM Card, customer can enjoy the securities, easiness and
convenience of banking transaction, anytime, anywhere. In
addition, Bank Sinarmas also have Internet Banking and Mobile
Bankin service (SIMOBI) which always provide easiness for
customers in performing transaction anytime, anywhere.
Market Share
Based on its type, Bank Sinarmas is classified as National Private
Commercial Bank (BUSN) Foreign Exchange. Bank Sinarmas
also included in 1 of 9 banks that is in group of Bank with assets
amounted to Rp10 trillion to Rp50 trillion.
DIVIDEND POLICY
The entire shares of the Company that has been placed,
including new shares which will be issued in Public Offering
have equal rights and equal in all respects with old shareholders
including rights of dividend in accordance with the provision of
Company’s Article of Association and legislation in force.
The Company does not have negative covenants in connection
with the limitation of third parties within the framework of
dividend distribution. Dividend nominal and distribution will be
adjusted with the profit that is acquired by the Company in the
concerned fiscal year and if the Company’s Capital Adequacy
Ratio (CAR) after taking into account the market risk reached
≥20%, without prejudice to the right of Company’s GMS to
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014156
determine otherwise in accordance with the provision of
Company’s Articles of Association and Legislation in force in
the field of Banking.
With regard to the Company’s profit and CAR after taking into
account of market risk that reached ≥20%, liquidity condition
of the current year as well as without prejudice to the right of
GMS to determine otherwise in accordance with the Articles of
Association of PT. Bank Sinarmas Tbk.
However, since the Bank conducted IPO in 2013, Bank Sinarmas
have not distributed dividends due to the Bank focuses on
strengthening capital structure.
REALIzATION OF FUNDS FROM PUBLIC OFFERING
On June 2012, PT. Bank Sinarmas Tbk. conducted Limited Public
Offering I (PUT I) to shareholders with Preemptive Rights. Funds
acquired from PUT I amounted to Rp300,796,534,500 (three
hundred billion seven hundred ninety six million five hundred
thirty four thousand five hundred Rupiah). The entire fund is
used for the purchase of Information technology amounted
to 60% and office network development by 40% with the
following description:
menentukan lain sesuai dengan ketentuan Anggaran Dasar
Perseroan dan Peraturan Perundang-undangan yang berlaku di
bidang Perbankan.
Dengan memperhatikan laba Perseroan dan CAR setelah
memperhitungkan risiko pasar mencapai ≥20%, kondisi
likuiditas tahun berjalan serta dengan tidak mengurangi hak
dari Rapat Umum Pemegang Saham untuk menentukan lain
sesuai dengan ketentuan Anggaran Dasar PT. Bank Sinarmas
Tbk.
Namun, semenjak Bank melakukan IPO di tahun 2010, Bank
Sinarmas belum membagikan dividen karena Bank fokus untuk
memperkuat struktur modal.
REALISASI DANA HASIL PENAWARAN UMUM
Pada 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:
PeriodePeriod Total
Penggunaan / Utilization
Pembelanjaan Teknologi Informasi
Information Technology Spending
Pengembangan Jaringan Kantor
Development of Office Network
Oktober-Desember 2012 36.351.786.504,7 24.086.621.170,2 12.265.165.334,5
Januari-Maret 2013 24.257.379.241,28 9.158.062.469,65 15.099.316.771,63
April-Juni 2013 33.218.107.267,32 8.903.666.711,17 24.314.440.556,15
Juli-September 2013 90.697.650.439,17 57.855.842.162,67 32.841.808.276,5
Oktober-Desember 2013 41.563.555.567 27.362.274.290 14.201.281.277
Januari-Maret 2014 36.524.702.479 24.146.230.452 12.378.472.027
April-Juni 2014 34.408.155.086,34 26.288.551.814,64 8.119.603.271,7
Jumlah 177.801.249.070,33 119.220.087.514,48
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 157
CHANGES IN AFFECTING LAWS AND REGULATIONS
PERUBAHAN PERATURAN PERUNDANG-UNDANGAN YANG BERPENGARUH
No. No. PeraturanRegulations No.
PerihalSubject
PengaruhInfluence
1.
PBI No.13/27/PBI/2011 tentang Perubahan atas PBI No.11/1/PBI/2009
SE BI No.14/4/DPNP tanggal 25 Januari 2012
PBI No.13/27/PBI/2011 On Changes in PBI No.11/1/PBI/2009
SE BI No.14/4/DPNP dated January 25, 2012
BANK UMUMCOMMERCIAL BANK
Dalam rangka penerapan manajemen risiko terkait anggota Direksi, Dewan Komisaris, Pejabat Eksekutif serta pembukaan, perubahan status, pemindahan alamat dan/atau penutupan Kantor Bank.
Dampak terkait ketentuan tersebut, dalam pelaksanaannya Bank telah melakukan penerapan terhadap penyampaian laporan pengangkatan, pemberhentian, atau penggantian Pejabat Eksekutif serta laporan pelaksanaan pembukaan, perubahan status, pemindahan alamat (relokasi), dan/atau penutupan Kantor Bank melalui laporan Kantor Pusat Bank Umum.
In the application of risk management related to members of the Board of Directors, Board of Commissioners, Executive Officers and the opening, change of status, change of address and / or the closing of the Bank.
The impact of the provisions, in the implementation, the Bank has made application to the submission of the report the appointment, dismissal, or replacement of Executive Officers as well as reports of opening, change of status, change of address (relocation), and / or the closing the Office of the Bank through the report of Commercial Bank Head Office.
2.
PBI No.14/2/PBI/2012 tentang Perubahan atas PBI No.11/11/PBI/2009
SE BI No.14/17/DASP perihal perubahan atas SE No.11/10/DASP
PENYELENGGARAAN KEGIATAN ALAT PEMBAYARAN DENGAN MENGGUNAKAN KARTU (APMK)
Dalam ketentuan tersebut diatur:• Prinsip perlindungan nasabah• Prinsip kehati-hatian dan manajemen risiko dalam pemberian
Kartu Kredit• Standar Keamanan APMK• Kerjasama antara penyelenggara APMK dengan pihak lain• Penyampaian Laporan
Terkait dengan ketentuan tersebut, Dampak bagi Bank yakni melaksanakan penerapan ketentuan tersebut, khususnya terkait:• Penyampaian informasi tertulis dalam Bahasa Indonesia kepada
Nasabah• Proses terkait pengkinian data, penyesuaian plafon kredit dan
jumlah penerbit Kartu Kredit yang dapat memberikan Kartu Kredit
• Pengakhiran dam/atau penutupan kartu kredit • Pembayaran pemegang kartu kredit sebesar 10% (sepuluh
persen) dari total tagihan atau lebih tetapi tidak penuh, harus dialokasikan oleh Penerbit Kartu Kredit untuk pembayaran biaya dan denda apabila ada, dan sisanya paling kurang sebesar 60% (enam puluh persen) untuk pemenuhan kewajiban pokok transaksi
• Mengimplementasikan PIN dan transaction alert.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014158
No. No. PeraturanRegulations No.
PerihalSubject
PengaruhInfluence
PBI No.14/2/PBI/2012 on Changes in PBI No.11/11/PBI/2009
SE BI No.14/17/DASP on changes inSE No.11/10/DASP
IMPLEMENTATION OF CARD-BASED PAYMENT INSTRUMENTS
In such terms are defined:• Theprincipleofcustomerprotection• Theprincipleofprudenceandriskmanagementinthedelivery
of Credit Cards• APMKSecurityStandards• CooperationbetweenAPMKorganizerswithotherparty• SubmissionofReports
Related to these provisions, the impact on the Bank is to implement the application of the provision, in particular related to:• The submission of information written in Indonesian to the
Customer• Data updating-related Process, the adjustment of credit limit
and the amount of credit card issuers who can provide Credit Cards
• Termination of dam / or the closing of credit cards• Payment by credit card holders amounted to 10% (ten percent)
of the total bill or more but not full, must be allocated by the Credit Card Issuer for the payment of fees and fines, if any, and the rest is at least 60% (sixty percent) for the fulfillment of transaction principal obligations
• Implement PIN and transaction alerts.
3.
PBI No.14/6/PBI/2012 tanggal 18 Juni 2012 SE BI No.14/25/Dpbs tanggal 12 September 2012
PBI No.14/6/PBI/2012 June 18, 2012 SE BI No.14/25/Dpbs dated September 12, 2012
UJI KEMAMPUAN DAN KEPATUTAN (FIT and PROPER TEST) BUS & UUS
BUS & UUS FIT AND PROPER TEST
Dalam rangka meningkatkan kepercayaan dan perlindungan kepada masyarakat terhadap industri perbankan, perlu dipastikan bahwa pengelolaan BUS/UUS dilakukan oleh pihak yang mampu dan patut (Fit and Proper), sehingga berdampak pada pengelolaan UUS Sinarmas akan selalu dilakukan sesuai dengan tata kelola yang baik (good governance)
In order to increase the trust and protection to the public against the banking industry, it is necessary that the BUS / UUS management is performed by fit and proper parties, so the management of UUS Sinarmas will always be conducted in accordance with good governance
4.
SE BI No.14/27/DASP tanggal 25 September 2012
SE BI No.14/27/DASP Dated September 25, 2012
MEKANISME PENYESUAIAN KEPEMILIKAN KARTU KREDIT
MECHANISM OF CREDIT CARD OWNERSHIP ADJUSTMENT
Meningkatkan penerapan aspek kehati-hatian dan aspek manajemen risiko pemberian kredit dalam penyelenggaraan APMK.
Dampak dari ketentuan tersebut, Bank melaksanakan pemberlakuan terhadap ketentuan tersebut, diantaranya yakni dengan mewajibkan penerbit kartu kredit melakukan pengkinian data pemegang kartu kredit dengan menyediakan bukti penghasilan berupa slip gaji, SPT Pajak, atau dokumen lainnya.
Improve the application of prudential aspects and aspects of loan approval risk management in the implementation of APMK
The impact, the Bank to implement the enforcement of the provision, including by requiring the credit card issuer to update the data of the credit card holder by providing the proof of income such as pay slips, tax returns or other documents.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 159
No. No. PeraturanRegulations No.
PerihalSubject
PengaruhInfluence
5.
PBI No.14/23/PBI/2012SE BI No.15/23/DASP tanggal 27 Juni 2012
PBI No.14/23/PBI/2012 SE BI No.15/23/DASP Dated June 27, 2012
TRANSFER DANA
FUNDS TRANSFER
Materi utama yang diatur dalam PBI ini adalah mengenai:• Perizinan penyelenggaraan transfer dana• Pelaksanaan transfer dana• Transfer dana yang ditujukan untuk diterima secara tunai• Jasa, bunga, atau kompensasi• Biaya transfer dana• Pemantauan• Sanksi
Main material set in this PBI concerning:• Licensing of funds transfer implementation • Implementation of funds transfer• Transfer funds are intended to be received in cash• Services, interest, or compensation• The cost of the transfer of funds• Monitoring• Sanctions
6.
PBI No.14/26/PBI/2012 tanggal 27 Desember 2012
PBI No.14/26/PBI/2012 December 27, 2012
KEGIATAN USAHA & JARINGAN KANTOR BERDASARKAN MODAL INTI BANK
BUSINESS ACTIVITY & OFFICE NETWORK BASED ON BANK’S CORE CAPITAL
Mengatur mengenai cakupan kegiatan usaha dan pembukaan jaringan kantor sesuai dengan modal inti Bank yang bertujuan untuk meningkatkan ketahanan dan daya saing perbankan nasional.
Terkait ketentuan PBI ini, Bank telah melakukan kajian terkait dengan kecukupan modal inti terhadap Cabang yang sudah ada maupun yang masih direncanakan.
Governs the scope of business activities and the opening of the office network in accordance with the Bank’s core capital that aims to improve the resilience and competitiveness of the national banking system.
Related to this regulation, the Bank has conducted a study related to core capital adequacy of the existing branch or branch which is still planned.
7.
PBI No.14/27/PBI/2012 tanggal 28 Desember 2012
PBI No.14/27/PBI/2012 December 28, 2012
PENERAPAN PROGRAM ANTI PENCUCIAN UANG & PENCEGAHAN PENDANAAN TERORISME BAGI BANK UMUM (APU & PPT)
IMPLEMENTATION OF ANTI-MONEY LAUNDERING (AML) AND COMBATING THE TERRORISM FUNDING (PPT) FOR COMMERCIAL BANK
Terkait penerapan ketentuan ini, Bank telah melakukan penyesuaian terhadap ketentuan internal, diantaranya terkait:• Transfer Dana• Walk in Customer• Customer Due Diligence (CDD), dllyang terkait pelaksanaan ketentuan tersebut di Kantor Cabang Bank Sinarmas.
Related to this provision, the Bank has made adjustment to internal provisions, among others:• Fund Transfer• Walk in Customer• Customer Due Diligence (CDD), etcwhich is related to the implementation of the provision at Bank Sinarmas Branch Office.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014160
No. No. PeraturanRegulations No.
PerihalSubject
PengaruhInfluence
8.
PBI No.8/13/PBI/2006 perubahan dari PBI No.7/3/PBI/2005SE BI No.7/14/DPNP
PBI No.8/13/PBI/2006 Change from PBI No.7/3/PBI/2005 SE BI No.7/14/DPNP
BATAS MAKSIMUM PEMBERIAN KREDIT (BMPK)
LEGAL LENDING LIMIT (BMPK)
Dengan diberlakukannya ketentuan ini, maka Bank wajib menerapkan prinsip kehati-hatian dalam penyaluran kredit, dan melakukan penyebaran portofolio penyediaan dana dengan persentase tertentu kepada Pihak Terkait maupun Pihak Tidak Terkait dengan memperhatikan kemampuan modal Bank.
With the enforcement of this provision, the Bank shall apply the principle of prudence in lending activity, and make funds provision portfolio of distribution by a certain percentage to Related Parties and Unrelated Parties to observe the ability of the Bank’s capital.
9. PBI No.15/15/PBI/2013
GIRO WAJIB MINIMUM (GWM) BANK UMUM DALAM RUPIAH DAN VALUTA ASING BAGI BANK UMUM KONVENSIONAL
COMMERCIAL BANK’S RESERVE REQUIREMENT IN RUPIAH AND FOREIGN CURRENCY FOR CONVENTIONAL COMMERCIAL BANK
Memberikan pengaturan perihal GWM Primer (sebesar 8% dari DPK dalam Rupiah), GWM Sekunder (Cadangan minimum yang wajib dipelihara oleh Bank berupa SBI, SUN, SBSN, dan/atau Excess Reserve, sebesar 4% dari DPK Rupiah), GWM Loan to Deposit Ratio (simpanan minimum yang wajib dipelihara oleh Bank dalam bentuk saldo Rekening Giro pada Bank Indonesia sebesar persentase dari DPK yang dihitung berdasarkan selisish antara LDR yang dimilki oleh Bank dengan LDR target.
Regulations on Primary GWM (amounted to 8% of DPK in Rupiah), Secondary GWM (Minimum reserves required to be maintained by the Bank in the form of SBI, SUN, SBSN, and / or Excess Reserve, amounting to 4% of DPK Rupiah), GWM Loan to Deposit Ratio (minimum deposit required to be maintained by the Bank in the form of Current Accounts to Bank Indonesia as much as percentage of DPK which is calculated based on the difference between the LDR owned by the Bank with LDR target.
10.
PBI No.12/10/PBI/2010 tentang Perubahan ketiga atas PBI No.5/13/PBI/2013
PBI No.12/10/PBI/2010 On the third amendment PBI No.5/13/ PBI/2013
POSISI DEVISA NETO BANK UMUM
NET OPEN POSITION OF COMMERCIAL BANK
Penegasan terhadap kewajiban Bank dalam mengelola dan memelihara PDN, sebagai berikut:• PDN keseluruhan pada akhir hari kerja paling tinggi 20% dari
modal• Paling tinggi 20% dari modal setiap 30 (tiga puluh) menit sejak
sistem treasury Bank dibuka sampai dengan sistem treasury Bank ditutup.
The affirmation of the obligation of the Bank to manage and maintain the PDN, as follows:• Overall PDN at the end of the working day maximum 20% of
the capital.• Maximum of 20% from the capital every 30 (thirty) minutes
from the Bank treasury system is opened up to the bank treasury system is closed.
11.
SE BI No.13/24/DPNP tanggal 25 Oktober 2011
SE BI No.13/24/DPNP October 25, 2011
PENILAIAN TINGKAT KESEHATAN BANK UMUM (Risk Based Bank Rating)
ASSESSMENT OF COMMERCIAL BANK’S HEALTH (RISK BASED BANK RATING)
Melalui ketentuan ini, Bank dapat memperoleh gambaran mengenai Tingkat Kesehatan Bank dan seluruh aspeknya, sehingga dapat digunakan sebagai input bank dalam menyusun strategi dan rencana bisnis kedepan, serta memperbaiki kelemahan-kelemahan yang berpotensi mengganggu kinerja Bank.
Through this provision, the Bank can obtain an overview of Bank Soundness and all its aspects, so it can be used as input in formulating the strategies and business plans future, and improve the weaknesses that could potentially interfere with the performance of the Bank.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 161
No. No. PeraturanRegulations No.
PerihalSubject
PengaruhInfluence
12.
PBI No.8/14/PBI/2006 se bi nO.15/15/dpnp TANGGAL 29 aPRIL 2013
PBI No.8/14/PBI/2006 se bi nO.15/15/dpnp DATED APRIL 29, 2013
GOOD CORPORATE GOVERNANCE (GCG)
Mengatur ketentuan perihal:• Transparancy (Keterbukaan informasi & proses dalam
pengambilan keputusan• Accountability (Pertanggungjawaban yang jelas atas setiap
keputusan/tindakan dari aspek perundang-undangan & prinsip pengelolaan yang sehat
• Responsibility (Kejelasan tanggung jawab pemegang jabatan dalam pengambilan keputusan)
• Independency (Pengelolaan yang profesional tanpa dipengaruhi/intervensi dari pihak manapun)
• Fairness (Kesetaraan dalam memenuhi hak-hak stakeholders yang timbul berdasarkan perjanjian serta perundang-undangan yang berlaku)
Ketentuan tersebut berdampak bagi Bank dalam hal melaksanakan seluruh kegiatan perbankan di setiap kegiatan selalu berdasarkan pada prinsip-prinsip GCG.
Set provisions regarding:• Transparency (Information disclosure & decision making
process)• Accountability (Clear accountability for any decision /
action from the aspects of the laws and principles of sound management)
• Responsibility (Clear responsibility of position holder in deciion-making)
• Independency (Professional management wihtout being influenced/intervened from any other party)
• Fairness (Equality in fulfilling rights of the stakeholders that arises based on the agreement and the applicable laws)
The provisions impacted the Bank in terms of implementing all banking activities based on GCG principles.
13.
SURAT EDARAN OTORITAS JASA KEUANGANNOMOR 2/SEOJK.07/2014
FINANCIAL SERVICE AUTHORITY’S CIRCULAR LETTER NUMBER 2/SEOJK.07/2014
PELAYANAN DAN PENYELESAIAN PENGADUAN KONSUMENPADA PELAKU USAHA JASA KEUANGAN
SERVICES AND SETTLEMENT OF CUSTOMERS’ COMPLAINT TO FINANCIAL SERVICE BUSINESS
PUJK wajib melaporkan secara berkala adanya pengaduan dan tindak lanjut pelayanan dan penyelesaian pengaduan dimaksud kepada OJK, dalam hal ini Kepala Eksekutif yang melakukan pengawasan atas kegiatan PUJK, dengan tembusan kepada Anggota Dewan Komisioner Bidang Edukasi dan Perlindungan Konsumen.
PUJK shall periodically report any complaints and the follow-up services and settlement of complaints referred to the FSA, in this case the Chief Executive who shall supervise the PUJK activities, with a copy to the Member of the Board of Commissioner Education and Consumer Protection Sector.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014162
No. No. PeraturanRegulations No.
PerihalSubject
PengaruhInfluence
14. POJK NO 32/POJK.4/2014
RENCANA & PENYELENGGARAAN RUPS
PLAN & IMPLEMETATION OF GMS
Tidak diberlakukannya pemanggilan RUPS setelah diminta oleh 1/10 atau lebih Pemegang Saham yang berhak, Direksi wajib membuat pengumuman yang berisi : • AdanyapermintaanRUPSyangdimintaPemegangSaham• AlasantidakdilakukannyaRUPStsb.Pengumuman ini paling lama 15 hari setelah tanggal permintaan RUPS oleh Pemegang Saham
Non-enforcement of the GMS after being asked by 1/10 or more Shareholders entitled to, the Board of Directors shall make an announcement that contains:• The demand for GMS by Shareholders• The cause of non-enforcement of the GMSThis announcement is no later than 15 days after the date of the request by the General Meeting of Shareholders
15.
SURAT EDARAN OTORITAS JASA KEUANGANNOMOR 1/SEOJK.07/2014
FINANCIAL SERVICE AUTHORITY’S CIRCULAR LETTER NUMBER 1/SEOJK.07/2014
PELAKSANAAN EDUKASI DALAM RANGKA MENINGKATKAN LITERASIKEUANGAN KEPADA KONSUMEN DAN/ATAU MASYARAKAT
THE IMPLEMENTATION OF EDUCATION IN ORDER TO INCREASE THE FINANCIAL LITERACY TO CUSTOMERS AND/ OR PUBLIC
wajib diselenggarakan oleh Pelaku Usaha Jasa Keuangan (PUJK) bertujuan untuk meningkatkan literasi keuangan kepada Konsumen dan/atau masyarakat.
Rencana Penyelenggaraan pelaksanaan program edukasi wajib disusun dalam program tahunan yang dilaporkan kepada OJK.
Shall be convened by the Financial Services Business Executors (PUJK) aimed to improve the financial literacy to consumers and the / or community.
Implementation Plan for the educational program implementation should be organized in annual program which is reported to OJK.
16.
PERATURAN PEMERINTAH REPUBLIK INDONESIA NOMOR 11 TAHUN 2014
GOVERNMENT REGULATION OF THE REPUBLIC OF INDONESIA NUMBER 11 YEAR 2014
PUNGUTAN OLEH OTORITAS JASA KEUANGAN
COLLECTION BY FINANCIAL SERVICE AUTHORITY
OJK mengenakan Pungutan kepada PUJK, dimana jenis pungutan yang diwajibkan terbagi atas 2 (dua) jenis, yakni Pungutan Variabel dan Pungutan Tahunan. Adapun pembagiannya adalah sebagai berikut:• Biayaperizinan,biayapersetujuan,biayapendaftaran,biaya
pengesahan, dan biaya penelaahan atas rencana aksi korporasi• Biayatahunandalamrangkapengaturan,pengawasan,
pemeriksaan, dan penelitian.
OJK levied Charges to PUJK, of which the levies are divided into two (2) types, namely variable Charges and Annual Charges. The divisions are as follows:• Permit cost, approval cost, registration cost, validation cost, and
review cost on the corporate action plan• Annual cost for management, supervision, audit and research.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 163
CHANGING IN ACCOUNTING POLICIES
Indonesia Accountant Association issued new Statement of
Financial Accounting Standards (PSAK) and revision of Financial
Accounting Standards Interpretations (IFAS) effective in the
beginning of January 1, 2015 as follows:
PSAK
a. PSAK No. 1 (Revised 2013), Financial Statements
Presentation
b. PSAK No. 4 (Revised 2013), Separated Financial Statements
c. PSAK No. 15 (Revised 2013), Investment on Associate and
Joint Venture
d. PSAK No. 24 (Revised 2013), Employees Benefits
e. PSAK No. 46 (Revised 2014), Income Tax
f. PSAK No. 48 (Revised 2014), Impairment of Assets
g. PSAK No. 50 (Revised 2014), Financial Instrument:
Presentation
h. PSAK No. 55 (Revised 2014), Financial Instrument:
Recognition and Measurement
i. PSAK No. 60 (Revised 2014), Financial Instrument: Disclosure
j. PSAK No. 65, Consolidated Financial Statements
k. PSAK No. 66, Joint Arrangements
l. PSAK No. 67, Disclosure of Interests in Other Entity
m. PSAK No. 68, Fair Value Measurement
ISAK
ISAK No. 26 (Revised 2014), Reassessment on Embeded
Derivatives. The Company is still evaluating the effects of these
newly and revised PSAKs and ISAK and has not yet determined
the related effects on the financial statements.
Bank Indonesia has issued new Bank Indonesia Regulations
(PBI) and Bank Indonesia Circular Letter (SE BI) and the revision
as well:
PERUBAHAN KEBIJAKAN AKUNTANSI
Ikatan Akuntan Indonesia telah menerbitkan Pernyataan Standar
Akuntansi Keuangan (PSAK) baru dan revisi dan Interpretasi
Standar Akuntansi Keuangan (ISAK) revisi yang berlaku efektif
pada periode yang dimulai 1 Januari 2015 sebagai berikut:
PSAK
a. PSAK No. 1 (Revisi 2013), Penyajian Laporan Keuangan
b. PSAK No. 4 (Revisi 2013), Laporan Keuangan Tersendiri
c. PSAK No. 15 (Revisi 2013), Investasi pada Entitas Asosiasi
dan Ventura bersama
d. PSAK No. 24 (Revisi 2013), Imbalan Kerja
e. PSAK No. 46 (Revisi 2014), Pajak Penghasilan
f. PSAK No. 48 (Revisi 2014), Penurunan Nilai Aset
g. PSAK No. 50 (Revisi 2014), Instrumen Keuangan: Penyajian
h. PSAK No. 55 (Revisi 2014), Instrumen Keuangan: Pengakuan
dan Pengukuran
i. PSAK No. 60 (Revisi 2014), Instrumen Keuangan:
Pengungkapan
j. PSAK No. 65, Laporan Keuangan Konsolidasian
k. PSAK No. 66, Pengaturan Bersama
l. PSAK No. 67, Pengungkapan Kepentingan dalam Entitas
Lain
m. PSAK No. 68, Pengukuran Nilai Wajar
ISAK
ISAK No. 26 (Revisi 2014), Penilaian Kembali Derivatif Melekat
Perusahaan masih mengevaluasi dampak penerapan PSAK
dan ISAK di atas dan dampak terhadap laporan keuangan dari
penerapan PSAK dan ISAK tersebut belum dapat ditentukan.
Bank Indonesia telah menerbitkan Peraturan Bank Indonesia
(PBI) dan Surat Edaran Bank Indonesia (SE BI) baru beserta
revisinya sebagai berikut:
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014164
No. No. PeraturanRegulations No.
PerihalSubject
PengaruhInfluence
1.
Surat Edaran Bank Indonesia No.16/18/DPSP Tanggal 28 November 2014
Bank Indonesia Circular Letter No.16/18/ DPSP dated November 28, 2014
Perubahan atas Surat Edaran Bank Indonesia Nomor 12/1/DASP tanggal 21 Januari 2010 Perihal Penyelenggaraan Sistem Bank Indonesia Real Time Gross Settlement (RTGS)
Changes in Bank Indonesia Circular Letter Number 12/1/DASP dated January 21, 2010 Regarding the Implementation of Bank Indonesia Real Time Gross Settlement System (RTGS)
Perubahan dalam SEBI ini terkait penerapan nilai nominal transaksi antar bank untuk kepentingan nasabah yang dapat diproses melalui Sistem BI-RTGS yaitu lebih besar dari Rp100.000.000,00 (seratus juta rupiah) per transaksi. Sedangkan untuk transaksi antar bank untuk kepentingan nasabah dengan nilai nominal Rp100.000.000,00 (seratus juta rupiah) ke bawah per transaksi dilakukan melalui Sistem Kliring Nasional Bank Indonesia (SKNBI).
Changes in SEBI is related to the application of the nominal value of inter-bank transactions on behalf of customers that can be processed through the BI-RTGS system that is greater from the Rp100,000,000.00 (one hundred million rupiah) per transaction. As for inter-bank transactions on behalf of customers with a nominal value of Rp100,000,000.00 (one hundred million dollars) downward per transaction made through the National Clearing System of Bank Indonesia (SKNBI).
2.
SE BI No.16/20/Dsta tanggal 28 November 2014
SE BI No.16/20/Dsta dated November 28, 2014
Perubahan Kedua atas SE BI No.13/33/DSM tanggal 30 Desember 2011 perihal Pelaporan Kegiatan Lalu Lintas Devisa (LLD) Oleh Bank
The Second changes in SE BI No.13/33/DSM dated December 30, 2011 Regarding Reporting of Foreign Exchange Flow (LLD) by Bank
Perubahan al:• Penambahan9fieldpadaLaporanTransaksi(LLD1),meliputi
Nama Penerima, Jenis Identifikasi Penerima, nomor identifikasi penerima, Nama Pembayar, Jenis Identifikasi Pembayar, Nomor Identifikasi Pembayar, Bank Pengirim, Bank Penerima, dan Keterangan Transaksi.
• Penambahan1fieldpadaRincianTransaksiEkspor/RTE(LLD3),yaitu Jenis Valuta PEB
• Penambahan1fieldpadaDaftarPenyampaianDokumenPendukung/DPDP (LLD4), yaitu Tanggal PEB
• PenambahankategoriPelakuTransaksi,yaitulembagainternasional yang dibagi menjadi bank dan bukan bank.
• PenyesuaianSandiTujuanTransaksi(STT)diLLD1danSandiKeterangan di LLD 3
• PenyampaianLaporanLLDdan/ataukoreksiLaporanLLDsecaraoffline
The changes among others:• Theadditionof9fieldsintheTransactionReport(LLD1),
includes Recipient Name, Recipient Identification type, recipient identification number, name of payer, payer identification type, Payers Identification Number, Sender Bank, Recipient Bank, and Transaction Information.
• Theadditionof1fieldontheTransactionDetailsExport/RTE(LLD 3), namely type PEB Exchange
• Theadditionof1fieldintheListofSupportingDocumentsDelivery / DPD (LLD4), the PEB Date
• TheadditionofPerformercategoryTransaction,namelyinternational institutions which is divided into banks and non-bank.
• AdjustmentofTransactionObjectivesPassword(STT)inLLD1and Information Password in LLD 3
• LLDReportSubmissionand/orcorrectionofLLDReportviaoffline
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 165
No. No. PeraturanRegulations No.
PerihalSubject
PengaruhInfluence
3.
Surat Edaran Bank Indonesia Nomor 16/21/DSta Tanggal 12 Desember 2014
Bank Indonesia Circular Letter Number 16/21/DSta dated December 12, 2014
Perubahan Ketiga atas Surat Edaran Bank Indonesia Nomor 11/2/DSM tanggal 22 Januari 2009 perihal Laporan Bulanan Bank Umum (LBBU)
Third changes in Bank Indonesia Circular Letter Number 11/2/DSM dated January 22, 2009 regarding Monthly Report of Commercial Bank (LBBU)
Menambahkan perihal pos-pos rincian neraca untuk tambahan modal disetor, dan Sertifikat Debosito Bank Indonesia (SDBI)
Adding balance details posts to additional paid in capital, and Certificates of Bank Indonesia Deposit (SDBI)
4.
Surat Edaran Bank Indonesia Nomor 16/17/DSta Tanggal 22 Oktober 2014
Bank Indonesia Circular Letter Number 16/17/DSta dated October 22, 2014
Perubahan Keempat atas Surat Edaran Bank Indonesia Nomor 13/3/DPM tanggal 4 Februari 2011 perihal Laporan Harian Bank Umum (LHBU)
Fourth changes in Bank Indonesia Circular Letter Number 13/3/DPM dated February 4, 2011 regarding Daily Report of Commercial Bank (LHBU)
Menambahkan pada Form 407 sebanyak 6 (enam) sandi jenis PLN Jangka Pendek yang dikecualikan dari kewajiban bank untuk membatasi posisi saldo harian PLN Jangka Pendek
Adding on Form 407 for 6 (six) Short Term PLN type password exempted from the obligation of banks to limit the Short Term PLN daily balance
5.
PBI No.12/2/PBI/2010 SE BI No.14/5/DSM tanggal 27 Januari 2012 perihal Perubahan kedua atas SE BI No.11/2/DSM tanggal 22 Januari 2009
PBI No.12/2/PBI/2010 SE BI No.14/5/DSM dated January 27, 2012 regarding the second change in SE BI No.11/2/DSM dated January 22, 2009
Laporan Bulanan Bank Umum
Monthly Report of Commercial Bank
Dalam rangka menyelaraskan ketentuan Bank Indonesia dengan standar akuntansi keuangan yang berlaku di Indonesia
Dalam hal ini, dampak bagi Bank yakni Bank telah melakukan penyesuaian format laporan dan tata cara pelaporan sebagaimana dimaksud dalam ketentuan PBI No.12/2/PBI/2010
In order to harmonize the provisions of Bank Indonesia with applicable financial accounting standards in Indonesia
In this case, the impact on the Bank, namely the Bank has adjusted the format of reports and reporting procedures referred to in PBI 12/2 / PBI / 2010
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014166
No. No. PeraturanRegulations No.
PerihalSubject
PengaruhInfluence
6.
PBI No.13/19/PBI/2011 SE BI No.14/8/DPNP tanggal 6 Maret 2012 perihal perubahan kedua atas SE BI No.8/15/DPNP tanggal 12 Juli 2006
PBI No.13/19/PBI/2011 SE BI No.14/8/DPNPdated March 6, 2012on second amendment of SE BINo.8/15/DPNP datedJuly 12, 2006
Laporan Berkala Bank Umum
Commercial Bank Periodic Report
Dalam rangka menyesuaikan dengan format laporan bulanan bank umum, dan melengkapi informasi terkait penerapan manajemen risiko untuk risiko likuiditas.
Terkait ketentuan tersebut, dampaknya ialah Bank telah melakukan penyesuaian beberapa form yang berubah, yaitu:• Penyempurnaanformulirlaporanprofilmaturitassesuai
ketentuan mengenai manajemen risiko likuiditas dan formulir pos-pos neraca mingguan dalam rangka penyelarasan dengan format LBU yang baru.
• MelakukanpenambahanformulirlaporanperhitunganATMRuntuk risiko kredit sesuai ketentuan mengenai perhitungan ATMR untuk risiko kredit dan laporan suku bunga dasar kredit (SDBK) sesuai ketentuan mengenai transparansi informasi SDBK.
In order to conform to the general format of Bank Monthly Report, and complete the relevant information related to the implementation of risk management for liquidity risk.
Related to these provisions, the Bank has adjusted some forms changed, namely:
• Completionoftheformofmaturityprofilereportinaccordancewith liquidity risk management and form the weekly balance sheet items in the context of harmonization with the new LBU format.
• PerformingadditionalRWAcalculationsreportformforcreditrisk in accordance with provisions regarding the calculation of RWA for credit risk and lending rate (SDBK) report in accordance with provisions regarding the transparency of SDBK information.
7.
PBI No.14/12/PBI/2012 tanggal 15 Oktober 2012 SE BI No.17/I/Dsta tanggal 26 Januari 2015 perubahan atas SE BI No.14/31/DPNP tanggal 31 Oktober 2012
PBI No.14/12/PBI/2012dated October 15,2012 SE BI No.17/I/Dstadated January 26, 2015 on amendment of SE BI No.14/31/DPNP dated October 31, 2012
Laporan Kantor Pusat Bank Umum
Commercial Bank Head Office Report
Dalam rangka mempercepat waktu penyampaian beberapa laporan di LKPBU dalam rangka harmonisasi dengan percepatan waktu penyampaian laporan lainnya seperti LBU dan LBBU.
In order to expedite the some reports submission in LKPBU to harmonize with expedition of other reports submission such as LBU and LBBU.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 167
No. No. PeraturanRegulations No.
PerihalSubject
PengaruhInfluence
8.PBI No.14/15/PBI/2012 tanggal 24 Oktober 2012
Penilaian Kualitas Aset Bank Umum
Pengkinian kebijakan dan perhitungan dalam ketentuan diantaranya mencakup:• Pembentukan cadangan berlaku untuk kelonggaran tarik kredit
baik yang bersifat committed maupun uncommitted, namun cadangan yang dibentuk hanya cadangankhusus yaitu untuk kelonggaran tarik kredit yang memiliki kualitas non lancar.
• Bank dengan status dalam pengawasan khusus (special surveillance) tidak lagi menjadi kriteria penilaian kualitas penempatan antar bank yang digolongkan macet.
• Penilaian kualitas kredit dan penyediaan dana lainnya untuk debitur UMKM posisi bulan Februari sd Juli mengacu pada penilaian TKS posisi bulan Desember tahun sebelumnya.
• Deposito yang diakui sebagai agunan tunai hanya dapat disimpan pada Bank penyedia dana.
• Kriteria prime Bank adalah AA- berdasarkan penilaian S&P; Aa3 berdasarkan penilaian Moody`s; AA- penilaian Fitch
• Terkait Restrukturisasi Kredit terdapat beberapa perubahan diantaranya yaitu:Kualitas kredit yang direstrukturisasi hanya dapat meningkat paling tinggi 1 (satu) tingkat dari kualitas kredit sebelum dilakukan Restrukturisasi, setelah debitur memenuhi kewajiban pembayaran angsuran pokok dan/atau bunga secara berturut-turut selama 3 (tiga) kali periode sesuai waktu yang diperjanjikan, pengakuan pendapatan atas kredit yang direstrukturisasi diakui dan dicatat sesuai dengan ketentuan PSAK yang berlaku, Pelaporan atas kredit yang direstrukturisasi dilakukan secara online bersamaan dengan pelaporan LBBU.
• Terkait Penyisihan Penghapusan Aset (PPA) terdapat beberapa perubahan yaitu:Terdapat pencadangan sesuai konsep impairment dalam bentuk CKPN dan tetap mempertahankan konsep PPA sebagai prudential purposes, atas aset produktif tetap menghitung PPA umum dan khusus yang tidak dibebankan pada L/R namun hanya mempengaruhi perhitungan KPMM (hasil perhitungan PPA produktif akan mempengaruhi perhitungan KPMM setelah dikurangkan dari CKPN yang dibentuk, atas aset non produktif tetap menghitung PPA khusus, yang tidak dibebankan pada L/R namun hanya mempengaruhi perhitungan KPMM, pengaruh PPA Non Produktif pada perhitungan KPMM tidak melihat CKPN yang dibentuk.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014168
No. No. PeraturanRegulations No.
PerihalSubject
PengaruhInfluence
PBI No.14/15/PBI/2012dated October 24,
Assessment of Commercial Bank Asset Quality
Updating policies and calculations in the provision of which include:• Allowanceforcreditappliesforleniencyofcreditboth
committed and uncommitted, but reserves are formed only a special reserve that is to the credit leniency with noncurrent quality.
• Bankwithspecialsurveillancestatusisnolongeraqualityassessment criterion for inter-bank placements were classified as loss.
• CreditqualityassessmentandprovisionofotherfundsforSMEs debtor in February till July, referring to TKS assessment in December in the previous year.
• Depositsarerecognizedascashcollateralcanonlybestoredinthe Bank that provides funds.
•CriteriaforprimebankareAA-basedonS&Pratings;Aa3based on Moody’s ratings; AA- based on Fitch ratings
•RelatedtoDebtRestructuringtherearesomechangessuchas: The quality of restructured loans can only be increased at most
one (1) level from credit quality before the Restructuring, after the debtor’s fulfill the obligations of installment payments of principal and/or interest consecutively for 3 (three) times of periods agreed, the recognition of revenue on restructured loans are recognized and recorded in accordance with the prevailing provisions of SFAS. Restructured loans reporting made online in conjunction with LBBU reporting.
• RelatedtoAllowanceforUncollectableAssets(PPA)therearesome changes, such as:
Contained corresponding concept of impairment reserves in the form of Allowance for Impairment Losses (CKPN) and retains the concept of PPA as prudential purposes, over productive assets remain calculate the general and specific PPA is not charged to the L/R but only affects the calculation of CAR (PPA) calculation productive outcome will affect the calculation of Minimum Capital Requirement (KPMM) after deductible from CKPN formed, over non-productive fixed assets calculate specific PPA, which is not charged to the L/R, but only affects the calculation of KPMM, non-productive PPA effect on the calculation of KPMM is not see CKPN formed.
9.PBI No.15/12/PBI/2013 tanggal 12 Desember 2013
Kewajiban Penyediaan Modal Minimum Bank Umum (KPMM)
Terkait ketentuan ini, terdapat beberapa hal yang diakomodasi, yakni:• Bank wajib menyediakan modal minimum sesuai profil risiko,
sehingga tidak hanya mampumenyerap potensi kerugian dari risiko kredit, risiko pasar, dan operasional, melainkan juga risiko-risiko lainnya seperti risiko likuiditas dan risiko lain yang material.
• Untuk menghitung modal minimum sesuai profil risiko, Bank wajib memiliki Internal Capital Adequacy Assessment Process (ICAPP), yang mencakup pengawasan aktif Dewan Komisaris dan Direksi, Penilaian Kecukupan Permodalan, Pemantauan dan Pelaporan, dan Pengendalian Internal.
• Aset keuangan yang dapat diperhitungkan dalam CEMA berupa surat berharga yang diterbitkan oleh Pemerintah RI, Surat berharga yang diterbitkan oleh Bank lain yang berbadan hukum Indonesia, dan surat berharga yang diterbitkan oleh korporasi berbadan hukum Indonesia.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 169
No. No. PeraturanRegulations No.
PerihalSubject
PengaruhInfluence
PBI No.15/12/PBI/2013Dated December 12,2013
Minimum Capital Requirement
Related to this provision, there are some things that are accommodated, such as:• Banks are required to provide minimum capital, in accordance
with risk profile, so it is not only able to absorb potential losses from credit risk, market risk, and operational risk, but also other risks such as liquidity risk and other risks of material.
• In calculating minimum capital in accordance with risk profile, the Bank is required to have the Internal Capital Adequacy Assessment Process (ICAPP), which includes the active supervision of the Board of Commissioners and Board of Directors, Capital Adequacy Assessment, Monitoring and Reporting, and Internal Control.
• Financial assets that can be taken into account in CEMA such as securities issued by the Government of Indonesia, Securities issued by other Banks incorporated in Indonesia, and securities issued by corporations incorporated in Indonesia.
10.
SE BI No.14/35/DPNP tanggal 10 Desember 2012
SE BI No.14/35/DPNPdated December 10,2012
Laporan Tahunan Bank Umum
Commercial Bank Annual Report
Ketentuan tersebut mewajibkan Bank untuk menyampaikan informasi berkala mengenai kondisi Bank secara menyeluruh, dan berdampak pada peningkatan transparansi kondisi keuangan Bank kepada publik dengan diwajibkannya Bank untuk mengungkapkan secara lebih detail dan komprehensif mengenai eksposur risiko dan penerapan manajemen risiko bank serta kecukupan permodalan yang dimiliki secara individual dan secara konsolidasi.
The provision requires the Bank to submit periodic information regarding the Banks overall conditions, and the impact on increasing the transparency of the Bank’s financial condition to the public, with Banks mandatory to disclose more detailed and comprehensive information on risk exposure and risk management implementation, as well as capital adequacy of banks are individually owned and consolidated.
11.
SE BI No.15/52/Dsta tanggal 30 Desember 2013, Perubahan ketiga atas SE BI No.13/3/DPM tanggal 4 Februari 2011
SE BI No.15/52/DstaDated December 30,2013, on third amendment of SE BI No.13/3/DPMdated February 4, 2011
Laporan Harian Bank Umum (LHBU)
Commercial Bank Daily Report (LBHU)
Pemberlakuan ketentuan ini terkait dengan adanya pengembangan sistem dan tata cara pelaporan LHBU melalui perubahan beberapa form pelaporan
Enforcement of this provision related to the development of systems and procedures of Commercial Bank Daily Report (LBHU) reporting, through some forms of reporting changes.
PROSPEK USAHA
Peranan perbankan sangat penting dalam menunjang kegiatan
dan pertumbuhan perekonomian baik lokal, regional maupun
global. Tuntutan dinamika perbankan untuk meningkatkan
pelayanan disebabkan masih banyaknya masyarakat Indonesia
BUSINESS PROSPECTS
Banking industry plays an important role in supporting the
growth and activities of both national and global economy. The
fact that a staggering amount of people still have no access to
banking service (unbankable people) even in this modern era,
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014170
encourages the Bank to improve and continue innovating in
its services and products. According to the survey conducted
by World Bank in 2010, there were only 47% of the total of
Indonesian people that used bank service and performed saving
transactions with formal banking institutions. This condition of
the counry is relatively lower compared with other financial
access in Asian countries such as Singapore (95%), Korea
(65%), Malaysia (60%), Thailand (60%) and Sri Lanka (60%).
The high percentage of unbankable people in Indonesia poses
its own opportunity for Bank Sinarmas, with office network
spread all across Indonesia, which is to participate in improving
public awareness on banking products and services through
public education program. Bank Sinarmas also participates
in and fully supports one of the programs from the Financial
Services Authority (OJK) namely Layanan Keuangan Tanpa
Kantor Dalam Rangka Keuangan Inklusif (LAKU PANDAI) or
Branchless Financial Services in the Framework of Inclusive
Finance. This programs aims to expand public access over
financial service in Indonesia.
Hence, in the future, as an effort to overcome the challenges
of banking industry in Indonesia, transformation into a more
sustainable system Is needed. By optimizing the Company’s
network over 382 established branch offices spread over 34
provinces in Indonesia, we expect to be able to change our
status to be a Payment and Transaction Bank and at the same
time shall be able to provide help in succeeding the program
of OJK and government to improve financial inclusion in the
country.
To accomplish this vision, the Company has ben preparing itself
by continuously improving service quality to the customers, such
as by providing 24-hour ATM services in almost all locations in
Indonesia, providing one transaction card that is integrated into
all master payment service, cooperating with Payment Point
Onlne Bank (PPOB) in the country, and optimizing e-banking
service as well as mobile banking (SiMobi and SiMobi Plus)
service through mobile phones that may provide quick, safe
and comfortable transaction activities.
yang belum tersentuh oleh jasa layanan perbankan (unbankable
people). Hasil survei World Bank pada tahun 2010 mencatat
terdapat sekitar 47% dari total masyarakat Indonesia yang
merupakan penabung di lembaga keuangan formal. Kondisi
akses keuangan di Indonesia ini relatif lebih rendah bila
dibandingkan dengan akses keuangan di negara lain di Asia,
seperti Singapura (95%), Korea (65%), Malaysia, Thailand dan
Sri Lanka (masing - masing 60%).
Tingginya persentase unbankable people di Indonesia
menciptakan peluang tersendiri bagi Bank Sinarmas, yang
memiliki jaringan kantor tersebar di seluruh Indonesia, untuk
meningkatkan kesadaran masyarakat akan layanan dan jasa
perbankan melalui program-program edukasi masyarakat.
Bank Sinarmas juga berpartisipasi dan mendukung penuh
program Otoritas Jasa Keuangan (OJK) untuk memperluas
akses masyarakat atas layanan keuangan melalui program
Layanan Keuangan Tanpa Kantor Dalam Rangka Keuangan
Inklusif (LAKU PANDAI).
Ke depannya, untuk menghadapi persaingan industri perbankan
di Indonesia, perlu adanya sebuah transformasi ke dalam
sebuah sistem yang berkelanjutan. Dengan mengoptimalkan
jaringan yang sudah terjalin di 382 kantor yang tersebar di
34 provinsi di Indonesia, kami mengharapkan Bank Sinarmas
dapat menjadi Payment and Transaction Bank dan di saat
bersamaan mensukseskan program OJK dan Pemerintah untuk
meningkatkan financial inclusion di Indonesia.
Untuk menggapai cita-cita ini, Perseroan telah mempersiapkan
diri dengan terus meningkatkan pelayanan kepada nasabah,
antara lain layanan 24 jam tarik tunai di ATM mana saja
seluruh Indonesia, layanan satu kartu yang terintegrasi dengan
seluruh master payment, bekerja sama dengan Payment Point
Online Bank (PPOB), meningkatkan engagement dengan SiMas
Community, memaksimalkan layanan e-banking serta mobile
banking SiMobi dan SiMobi Plus melalui mobile phone dengan
cepat, nyaman, dan aman.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 171
STRATEGIES THAT HAVE BEEN TAKEN IN 2014 AND FUTURE STRATEGIES
Strategies and policies that have been adopted by Bank in 2014
are as follows:
1. Focus on the objective: to become a payment and
transaction bank through sustainable improvement on
technology system to support and enhance service and
transaction.
2. Launch new business line related to the credit for MSME.
3. Improve fund distribution through supply chain financing
method
4. Improve productivity of branch offices by developing
the quantity and quality of Human Resources through
proper recruitment and trainings in order to enhance the
performance and capabilities of staffs.
Strategies that will be adopted to achieve the Bank’s as stipulated
in Bank’s Business Plan (RBB) 2015-2017 are as follows:
1. Optimizing the use of technology, improving the reliable
features and functions of infrastructure, as well as switching
to digital usage in order to improve service and transaction
quality.
2. Diversifying credit portfolio and improving MSME financing
segment and supply chain financing segment.
3. Providing a comprehensive one-stop financial service
through partnership with insurance, securities and asset
management companies. Hence, the Bank will be able to
improve its customer base and transaction volume.
4. Optimizing the established office network to develop the
growth of funds in demand deposits and saving deposits
sectors.
STRATEGI YANG TELAH DITEMPUH PADA 2014 DAN STRATEGI KE DEPAN
Strategi dan kebijakan Bank yang telah ditempuh pada tahun
2014 adalah sebagai berikut:
1. Fokus dengan objektif untuk menjadi payment & transaction
bank melalui pembaharuan sistem teknologi secara
berkesinambungan untuk mendukung dan meningkatkan
pelayanan dan transaksi.
2. Meluncurkan lini bisnis baru terkait kredit UMKM.
3. Meningkatkan penyaluran dana melalui pembiayaan supply
chain financing.
4. Meningkatkan produktivitas cabang dengan meningkatkan
kuantitas dan kualitas sumber daya manusia melalui
recruitment, training serta pelatihan untuk meningkatkan
kinerja dan kapabilitas staf.
Strategi yang akan dilakukan untuk mencapai target Bank
seperti tertuang dalam RBB 2015 - 2017 adalah sebagai berikut:
1. Memaksimalkan penggunaan teknologi, meningkatkan
fitur serta fungsi infrastruktur yang handal serta beralih ke
arah digital dalam meningkatkan pelayanan dan transaksi.
2. Melakukan diversifikasi atas portofolio kredit serta
meningkatkan pembiayaan segmen UMKM dan pembiayaan
supply chain financing.
3. Menyediakan layanan keuangan yang lengkap (one stop
financial service) melaluikerjasama dengan perusahaan
asuransi, sekuritas dan asset management. Dengan
demikian, Bank dapat meningkatkan basis nasabah beserta
jumlah transaksi.
4. Mengoptimalkan jaringan kantor yang sudah ada untuk
meningkatkan pertumbuhan dana Giro dan Tabungan.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014172
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 173
Tinjauan unit-unit BisnisOverview of Business Units
05
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014174
UNIT USAHA SYARIAHSharia Business Units
PROFIL uNIT uSAhA SYARIAh PT. BANK SINARMAS TBK.Unit Usaha Syariah (UUS) PT. Bank Sinarmas Tbk. merupakan
Unit Usaha Strategis dari PT. Bank Sinarmas Tbk. yang
menjalankan sistem Perbankan melalui kegiatan operasional
sesuai dengan Prinsip Syariah. Kantor Cabang Syariah pertama
mulai beroperasi pada 18 November 2009 di Jakarta. Pendirian
UUS bertujuan untuk melayani tingginya kebutuhan masyarakat
dalam memanfaatkan jasa keuangan perbankan yang
berbasiskan dual banking system, yaitu sistem konvensional
dan sistem syariah, dengan memperhatikan keunggulan prinsip
Perbankan Syariah, karena adanya Fatwa MUI tentang bunga
bank.
PROFILE OF ShARIA BuSINESS uNITS PT. BANK SINARMAS TBK.PT. Bank Sinarmas Tbk. - Sharia Business Unit (UUS) is a
Strategic Business Unit of PT. Bank Sinarmas Tbk., which runs
banking system in accordance to Sharia Principles and started
to operate on November 18, 2009 by opening its first Sharia
Branch Office in Jakarta. The establishment of UUS aims to
serve public demand on financial banking service based on dual
banking systems namely conventional banking and especially
sharia banking based on the Indonesian Ulema Council’s law
on the bank’s interest.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 175
UNIT USAHA SYARIAHSharia Business Units
VISI, MISI DAN NILAI SYARIAhVisi:
Menjadi Bank Syariah yang Sehat dan Terkemuka di Indonesia
Misi:
1. Memperluas basis nasabah, mulai dari nasabah usaha
mikro, kecil dan menengah (UMKM), melalui kerja sama
strategis dengan lembaga keuangan maupun mitra usaha
lainnya.
2. Memperluas jaringan kantor untuk penetrasi pasar pada
sentra-sentra UMKM.
3. Meningkatkan kemampuan teknologi dan sistem informasi
bank serta Sumber Daya Manusia (SDM) dalam rangka
memberikan layanan prima.
4. Menciptakan produk dan/atau aktifitas unggulan yang
inovatif dan mengembangkan strategi pemasaran yang jitu.
5. Membudayakan sistem manajemen risiko sesuai prinsip
kehatian-hatian (Prudent) dan prinsip Perbankan Syariah
(Islamic Banking Principle) dalam rangka mewujudkan tata
kelola perusahaan yang baik (Good Corporate Governance
GCG).
Nilai Sharia:
Sharing : Senantiasa berbagi dan saling
menguntungkan.
Harmony : Harmonis antara kebutuhan material,
moral dan spiritual dalam rangka
mengaktualisasikan keadilan sosial &
persaudaraan dalam masyarakat.
Accountability : Dapat dipertanggungjawabkan.
Reliability : Dapat diandalkan.
Integrity : Berintegritas tinggi.
Accuracy : Akurat dan transparan dalam pelayanannya
Dewan Komisaris beserta Direksi telah bersama-sama
membahas, mengkaji dan menyetujui Visi dan Misi secara
mendalam dan telah berkomitmen untuk melaksanakan hal
tersebut guna menghadapi dinamika bisnis perbankan syariah
yang selalu berubah.
VISION, MISSION AND ShARIA VALuEVision:
To become Healthy and Leading Sharia Banking Institution in
Indonesia
Mission
1. Expand customer base from micro, small and medium
enterprises through strategic cooperation with financial
institutions as well as other business partners.
2. Expand office networks for market penetration in centers of
micro, small and medium enterprises.
3. Improve the banking technology and information systems
as well as human resources to give best service.
4. Create innovative products and/or activities and develop an
accurate marketing strategy.
5. Incorporate risk management system according to
prudential principles and Islamic Banking Principles to
implement Good Corporate Governance.
Sharia Value:
Sharing : Always shares and brings mutual benefit
Harmony : Harmony between material, moral and
spiritual needs to actualize justice and
brotherhood in the society
Accountability : Accountable
Reliability : Reliable
Integrity : High Intergrity
Accuracy : Accurate and transparent services
Board of Commissioners and Board of Directors have come
together to discuss, review and approve the Vision and Mission
deeply and have committed to carry out those matters in order
to deal with the dynamics of banking business that is always
changing.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014176
JEJAK LANGKAh
1989
Perseroan didirikan dengan nama
PT Bank Shinta Indonesia / The
company was established with the
name of PT Bank Shinta Indonesia
1995
Perseroan menjadi Bank Umum
Devisa / The Company obtained
Foreign Exchange Bank Status
2005
PT Bank Shinta Indonesia diakuisisi
oleh PT Sinar Mas Multiartha Tbk
(Holding of Sinarmas Group) / PT Bank
Shinta Indonesia was acquired by by PT
Sinar Mas Multiartha Tbk (Holding of
Sinarmas Group)
2010
• PT. Bank Sinarmas menjadi perusahaan publik pada 31 Desember 2010 /
PT. Bank Sinarmas goes public on December 31, 2010
• PT. Bank Sinarmas Tbk. - UUS mendapatkan izin sebagai Bank Devisa
berdasarkan Surat Bank Indonesia No. 12/599/DPbS Tertanggal 27 April
2010 / PT. Bank Sinarmas Tbk. - Sharia Business Unit obtained license as
foreign exchange bank based on Bank Indonesia Letter No. 12/599 / DPbS
Dated April 27, 2010
• PT. Bank Sinarmas Tbk. - UUS mendapatkan Izin Pembukaan Kantor
Kas Syariah (KKS) berdasarkan Surat ijin Bank Indonesia No. 12/1437/
DPbS Tertanggal 3 September 2010 Perihal Pembukaan Kantor di bawah
Kantor Cabang Syariah Bank Saudara / PT. Bank Sinarmas Tbk. - Sharia
Business Unit obtained License to Open Sharia Cash Office based on Bank
Indonesia Letter No. 12/1437/DPbS Dated September 3, 2010 regarding
the Opening of Office under the Sharia Branch Office of Bank Saudara
• Pembukaan Kantor Kas Syariah (KKS) di Tanah Abang pada 30 September
2010 / The opening of Sharia Cash Office in Tanah Abang on September
30, 2010
2009
• Perseroan mengubah Anggaran Dasar dan Menambah Modal Dasar menjadi Rp2 triliun dan Modal Disetor
menjadi Rp525 miliar / The Company changed the Articles of Association and Adding Authorized Capital to
Rp2 Trillion and Paid-in Capital to Rp525 Billion
• Perseroan mendapatkan Ijin untuk Pelaksanaan Wali amanat / The Company obtained license for Operating
Trustee Service
• Perseroan mendapatkan Ijin untuk Pendirian Unit Usaha Syariah (UUS), berdasarkan Keputusan Deputi
Gubernur Bank Indonesia No. 11/13/KEP. DpG/2009 Tentang Pemberian Izin Usaha Unit Usaha Syariah
(UUS) PT. Bank Sinarmas / The Company obtained license for establishing Sharia Business Unit, based on the
Decision of the Deputy Governor of Bank Indonesia No. 11/13/KEP. DpG/2009 on the Granting Permit of
Sharia Business Unit of PT. Bank Sinarmas
• Pembukaan Kantor Cabang Syariah PT. Bank Sinarmas Tbk-UUS pada 18 November 2009 di Jl. Cik Ditiro No.
29 Menteng, Jakarta Pusat / The opening of 18 Sharia Branch Offices of PT Sinarmas Tbk-Sharia Business Unit
on November 18, 2009 at Jl. Cik Ditiro No. 29 Menteng, Jakarta Pusat
2006
PT Bank Shinta Indonesia berganti nama menjadi PT. Bank Sinarmas /
PT Bank Shinta Indonesia changed its name to PT. Bank Sinarmas
• TotalKantor/Total Offices : 15 kantor/offices
• TotalAset/Total Assets : USD 48 miliar/billion
• ShareholderEquity :USD11miliar/billion
• TotalKaryawan/Total Employees : 247 karyawan/employees
UNIT USAHA SYARIAHSharia Business Units
MILESTONE
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 177
2011
Kondisi PT. Bank Sinarmas Tbk. per 31 Desember 2011 / PT. Bank
Sinarmas Tbk’s condition as of December 31, 2011:
• TotalKantor/Total Offices : 220 kantor/offices
• TotalAset/Total Assets : Rp16,630 miliar/billion
• ShareholderEquity :Rp1.358miliar/billion
• TotalKaryawan/Total Employees : 3558 karyawan/employees
Kondisi PT. Bank Sinarmas Tbk-UUS per 31 Desember 2011 / −PT.
Bank Sinarmas Tbk. - Sharia Business Unit’s condition as of December
31, 2011:
• TotalKantor/Total Offices : 2 kantor/offices
• TotalAset/Total Assets : Rp9,36 miliar/billion
• ShareholderEquity :Rp100miliar/billion
• TotalKaryawan/Total Employees : 61 karyawan/employees
2012
• PT. Bank Sinarmas Tbk. - UUS mendapatkan Izin Pembukaan
Kantor Kas Syariah (KKS) berdasarkan Surat Izin Bank Indonesia
No. 14/509/DPbS Tertanggal 9 April 2012 Perihal Pembukaan
Kantor di bawah Kantor Cabang Syariah Bank Saudara / PT. Bank
Sinarmas Tbk. - Sharia Business Unit obtained License to Open
Sharia Cash Office based on Bank Indonesia Letter No. 14/509/
DPbS Dated April 9, 2012 Regarding the Opening of Office
under the Sharia Branch Office of Bank Saudara.
• Pembukaan Kantor Kas Syariah (KKS) di Pondok Kelapa, Duren
Sawit, Jakarta Timur pada 24 September 2012 / The opening of
Sharia Cash Office at Pondok Kelapa, Duren Sawit, Jakarta Timur
on September 24, 2012
• PT. Bank Sinarmas Tbk. - UUS mendapatkan Izin Pembukaan
Kantor Kas Syariah (KKS) berdasarkan Surat Izin Bank Indonesia
No. 14/509/DPbS Tertanggal 23 Agustus 2012 Perihal
Pembukaan Kantor di bawah Kantor Cabang Syariah Bank
Saudara / PT. Bank Sinarmas Tbk. - Sharia Business Unit obtained
License to Open Sharia Cash Office based on Bank Indonesia
Letter No. 14/509/DPbS Dated August 23, 2012 Regarding
the Opening of Office under the Sharia Branch Office of Bank
Saudara
• Kondisi PT. Bank Sinarmas Tbk. - UUS per 31 Desember 2012 /
PT. Bank Sinarmas Tbk. - Sharia Business Unit’s condition as of
December 31, 2012 :
• TotalKantor/Total Offices : 4 kantor/offices
• TotalAset/Total Assets : Rp879 miliar/billion
• ShareholderEquity :Rp100miliar/billion
• TotalKaryawan/Total Employees : 78 karyawan/employees
2013
• PT. Bank Sinarmas Tbk. - UUS mendapatkan izin dari Bank
Indonesia untuk membuka 24 kantor cabang syariah dan 8
Kantor Kas syariah / PT. Bank Sinarmas Tbk. - Sharia Business
Unit obtained license from Bank Indonesia to open 24 sharia
branch offices and 8 sharia cash offices
• PT. Bank Sinarmas Tbk. - UUS membuka cabang di 24 kantor
cabang yang tersebar di Karawang, Semarang, Lombok,
Malang, Kediri, Surabaya, Bandung, Bogor, Cirebon, Jember,
Banjarmasin, Tasikmalaya, Kudus, Padang, Jambi, Bengkulu,
Denpasar, Purwokerto, Solo, Pontianak, Medan, Lampung,
Makassar, dan Sukabumi / PT. Bank Sinarmas Tbk. - Sharia
Business Unit opened 24 branch offices located in Karawang,
Semarang, Lombok, Malang, Kediri, Surabaya, Bandung, Bogor,
Cirebon, Jember, Banjarmasin, Tasikmalaya, Kudus, Padang,
Jambi, Bengkulu, Denpasar, Purwokerto, Solo, Pontianak,
Medan, Lampung, Makassar, and Sukabumi
• PT. Bank Sinarmas Tbk. - UUS membukan 8 kantor kas syariah
yang tersebar di wilayah KKS Karawang Galuh, KKS Semarang
Ngaliyan, KKS Malang Kebon Agung, Mojokerto, KKS Surabaya
Rungkut, KKS Bandung Cibaduyut, KKS Bandung Rajawali,KKS
Pendawa Pendawa Bogor / PT. Bank Sinarmas Tbk. - Sharia
Business Unit opened 8 sharia cash offices spreaded throughout
sharia cash offices of Karawang Galuh, Semarang Ngaliyan,
Malang Kebon Agung, Mojokerto, Surabaya Rungkut, Bandung
Cibaduyut, Bandung Rajawali, Pendawa Bogor
• Kondisi PT. Bank Sinarmas Tbk. - UUS per 31 Desember 2013 /
PT. Bank Sinarmas Tbk. - Sharia Business Unit’s condition as of
December 31, 2013 :
• TotalKantor/Total Offices : 36 kantor/offices
• TotalAset/Total Assets : Rp1.273 miliar/billion
• ShareholderEquity :Rp100miliar/billion
• TotalKaryawan/Total Employees : 574 karyawan/employees
2014
• PT. Bank Sinarmas Tbk. - UUS mendapatkan izin dari Bank
Indonesia untuk membuka 1 kantor cabang syariah yaitu Kantor
Cabang Syariah Pekalongan / PT. Bank Sinarmas Tbk. - Sharia
Business Unit obtained license from Bank Indonesia to open 1
sharia branch office in Pekalongan
• Kondisi PT. Bank Sinarmas Tbk. - UUS per 31 Desember 2014 /
PT. Bank Sinarmas Tbk. - Sharia Business Unit’s condition as of
December 31, 2014:
• TotalKantor/Total Offices : 38 kantor/offices
• TotalAset/Total Assets : Rp1.980 miliar/billion
• ShareholderEquity :Rp268miliar/billion
• TotalKaryawan/Total Employees : 966 karyawan/employees
UNIT USAHA SYARIAHSharia Business Units
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014178
DEwAN PENGAwAS SYARIAh (DPS)
Profil Dewan Pengawas Syariah
Prof. Dr. Kh. Ali Mustafa Yaqub, MA
Warga Negara Indonesia, lahir di Batang, 2 Maret 1952,
berumur 62 tahun. Beliau telah mendapat rekomendasi dari
Dewan Syari’ah Nasional - Majelis Ulama Indonesia (No.U-235/
DSN-MUI/VII/2009) serta telah lulus Fit and Proper Test dari Bank
Indonesia. Beliau diangkat sebagai Ketua Dewan Pengawas
melalui Rapat Umum Pemegang Saham PT. Bank Sinarmas Tbk.
pada 20 November 2009.
Riwayat pendidikan beliau diawali pada 1966 di pesantren
Tebuireng Jombang, selanjutnya pada 1976 lulus tingkat
sarjana muda di Universitas Hasyim Asy’ari Fakultas Syariah,
dan lulus gelar sarjana di Universitas Islam Imam Muhammad
bin Saud, Riyadh Fakultas Syariah. Pada 1985 memperoleh
gelar Master Tafsir Hadits di Universitas King Saud, Riyadh,
serta beliau memperoleh gelar Doktor di Universitas Nizamia
Hyderabad, India pada 2008.
Beliau juga dikenal sebagai pakar ilmu hadits serta sebagai
pengasuh pesantren Luhur Ilmu Hadits Darus Sunnah, Guru
Besar Ilmu Hadits Institut Ilmu Alquran (IIQ) dan Imam Besar
Masjid Istiqlal Jakarta. Selain itu, beliau hingga saat ini menjabat
sebagai wakil ketua komisi fatwa MUI Pusat, wakil ketua badan
pelaksana harian Dewan Nasional Syari’ah MUI.
Ahmad Sukarno, LC. M. Ag.
Warga Negara Indonesia, lahir di Jepara, 16 Maret 1968,
berumur 46 tahun. Beliau telah mendapat rekomendasi dari
Dewan Syari’ah Nasional - Majelis Ulama Indonesia (No.U-235/
DSN-MUI/VII/2009) serta telah lulus Fit and Proper Test dari Bank
Indonesia. Beliau diangkat sebagai anggota Dewan Pengawas
Syari’ah (DPS) PT. Bank Sinarmas Tbk. - Unit Usaha Syariah
melalui Rapat Umum Pemegang Saham PT. Bank Sinarmas Tbk.
pada 20 November 2009.
Beliau memperoleh gelar di Fakultas Syari’ah Ma’had Al ‘ulum
Al Islamiyah wal’arabiyah binaan Universitas Muhammad ibn
Sa’ud, lulus pada 1994. Selanjutnya pada 2002, lulus S2 dengan
Gelar magister agama Islam dari Universitas Ibn Khaldun Bogor,
konsentrasi Hukum Mu’amalah Islam.
UNIT USAHA SYARIAHSharia Business Units
ShARIA SuPERVISORY BOARD (DPS)
Profile of Sharia Supervisory Board
Prof. Dr. Kh. Ali Mustafa Yaqub, MA
An Indonesian Citizen born in Batang on March 2, 1952 (62
years old). Mr. Yaqub was recommended by the National
Sharia Board - Indonesian Ulema Council (No.U-235/DSN-MUI/
VII/2009) and has passed Bank Indonesia’s Fit and Proper Test.
He was appointed as the Chairman of Sharia Supervisory Board
through the General Meeting of Shareholders of PT. Bank
Sinarmas Tbk. on November 20, 2009.
His education started in 1966 at Teburieng Islamic Boarding
School, Jombang, later in 1976 he earned his baccalaureate
from Sharia Faculty, University of Hasyim Asy’ari, and received
his bachelor degree from Faculty of Sharia at Imam Muhammad
bin Saud Islamic University, Riyadh. In 1985 he earned his
Magister of Tafsir Hadits from University of King Saud, Riyadh
and his Doctoral degree from University of Nizamia Hyderabad,
India, in 2008.
He is also well-known as a hadits experts as well as a manager
at Luhur Ilmu Hadis Darus Sunnah Islamic Boarding School,
Professor of Hadits at Institut Ilmu Alquran (IIQ) and Imam of
Istiqlal Mosque Jakarta. Besides, he is currently served as the
vice chairman of Law Committee of the head office of the
Indonesian Ulema Council (MUI), and as the vice chairman of
daily management of the MUI’S National Sharia Board.
Ahmad Sukarno, LC. M. Ag.
An Indonesian Citizen born in Jepara on March 16, 1968 (46
years old). Mr. Sukarno was recommended by the National
Sharia Board - Indonesian Ulema Council (No.U-235/DSN-MUI/
VII/2009) and has passed Bank Indonesia’s Fit and Proper Test.
He was appointed as a member of the Sharia Supervisory Board
of PT. Bank Sinarmas Tbk. - Sharia Business Unit through the
General Meeting of Shareholders of PT. Bank Sinarmas Tbk. on
November 20, 2009.
He earned his degree from Faculty of Sharia Ma’had Al ‘ulum Al
Islamiyah wal’arabiyah binaan at the University of Muhammad
ibn Sa’ud in 1994. Later in 2002 he received his Magister of
Islamic Religion degree from Ibn Khaldun University, Bogor,
majoring in Islamic Mu’amalah Law.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 179
UNIT USAHA SYARIAHSharia Business Units
Karier beliau dimulai pada 1993 sebagai dosen Ma’had
(Lembaga Studi Islam) Sholahudin, Bogor. Lalu pada 1998
mengajar Pendidikan Agama Islam di Institute Pertanian Bogor.
Pada 2000, beliau menjadi Sekretaris Dewan Pengawas Syari’ah
Syarikat Takaful Indonesia. Sejak 2004 hingga saat ini, beliau
juga menjadi anggota Dewan Pengawas Syari’ah Asuransi
Syari’ah Eka Life.
Tugas dan Tanggung Jawab Dewan Pengawas Syariah
Setiap kegiatan anggota DPS telah memenuhi ketentuan PBI
No. 11/10/PBI/2009 tentang Unit Usaha Syariah mengenai
Dewan Pengawas Syariah. Tugas dan tanggung jawab DPS
adalah sebagai berikut:
a. DPS bertugas dan bertanggung jawab memberikan
nasihat dan saran kepada Direktur UUS serta mengawasi
kegiatan UUS agar sesuai dengan Prinsip Syariah.
b. Pelaksanaan tugas dan tanggung jawab DPS sebagaimana
dimaksud pada butir a meliputi antara lain:
• Menilai dan memastikan pemenuhan Prinsip
Syariah dalam pedoman operasional dan produk yang
dikeluarkan UUS;
• Mengawasi proses pengembangan produk baru
UUS sejak awal sampai dengan dikeluarkannya produk
tersebut;
• Memberikan opini syariah terhadap produk
baru dan/ atau pembiayaan yang direstrukturisasi;
• Meminta fatwa kepada Dewan Syariah Nasional
untuk produk baru UUS yang belum ada fatwanya;
• Melakukan review secara berkala atas pemenuhan
Prinsip Syariah terhadap mekanisme penghimpunan
dana dan penyaluran dana serta pelayanan jasa bank;
dan
• Meminta data dan informasi terkait dengan aspek
syariah dari satuan kerja UUS dalam rangka pelaksanaan
tugasnya.
Penyelenggaraan Rapat Dewan Pengawas Syariah
Pada 2014, rapat DPS dilakukan secara rutin tiap 1 (satu)
bulan sekali dan hasil rapat DPS telah didokumentasi dengan
baik, serta menjadi masukan bagi UUS dalam melaksanakan
kegiatan operasional.
His career started in 1993 as a lecturer at Ma’had (Islamic
Institute) Sholahudin, Bogor. Later in 1998 he gave Islamic
lecture at Bogor Agriculture Institute (IPB). He acted as a
Secretary of Supervisory Boards of Syari’ah Syarikat Takaful
Indonesia in 2000. Since 2004 until present, he serves as a
member of the Supervisory Board of Eka Life Sharia Bank.
Duties and Responsibilities of Sharia Supervisory Board
Any activities of the member of Sharia Supervisory Board have
complied with PBI regulation No. 11/10/PBI/2009 on Sharia
Business Unit regarding Sharia Supervisory Board. Duties and
responsibilities of Sharia Supervisory Board are as follows:
a. Sharia Supervisory Board is in charge and responsible for
giving advice and suggestions to the Sharia Business Unit
Director as well as supervising the Sharia Business Unit
activities to stay in line with Sharia principles.
b. The implementation of tasks and responsibilities of Sharia
Supervisory Board as stated in point a includes:
• Assessing and ensuring the compliance with Sharia
principles on the operational and products guidelines
issued by the Sharia Business Unit;
• Supervising the process of the Sharia Business Unit’s
new products development since the beginning until
the launching;
• Giving sharia opinions on new products and/or on the
restructuring of financing
• Asking for law enforcement to the National Sharia
Council for Sharia Business Unit ‘s new products
without law;
• Conducting review on the compliance of Sharia
principles in the mechanisms of fund raising and
distribution of funds and bank services; and
• Requesting data and information related to sharia
aspects of the Sharia Business Unit work force in
implementing their duties.
Sharia Supervisory Board Meetings
In 2014, the meeting of Sharia Supervisory Board was held
regularly every once a month and the resolution of the meeting
has been documented well, as well as becoming inputs for
Sharia Business Unit in carrying out operational activities.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014180
Meeting Agenda
Nama / NameJumlah Kehadiran Number of meetings
KehadiranAttendance
Prof. Dr. KH. Ali Mustafa Yaqub, MA 9/12 75%
Ahmadi Sukarno, LC, M.Ag 9/12 75%
Agenda Rapat
NoTanggal
DateAgenda
130 Januari 2014January 30, 2014
l Progress pembukaan cabang-cabang syariah / Progress on the opening of sharia branches.l Pembahasan mengenai produk syariah yang masih tertunda Bancaasurance, Simas
Power link dan kerja sama dengan TNETS / Discussion on sharia products delayed by Bancaasurance, Simas Power link dan cooperation with TNETS.
l Pengembangan produk syariah tabungan hidayah menggunakan akad mudharabah / −Development of sharia products on hidayah savings using mudharabah.
220 Februari 2014February 20, 2014
l Penyampaian pembukaan KCS Palembang yang telah diresmikan pada 7 februari 2014 / Submission of the opening of Sharia Branch Office in Palembang which was inaugurated on February 7, 2014.
l Pengembangan SDM mikro yang akan mencapai 3000 Karyawan yang mencakup di seluruh KCS / Development of micro-HR reaching 3000 Employees covering throughout all Sharia Branch Offices.
l Perubahan akad pembiayaan mikro yang awalnya akad ijarah multijasa menjadi akad mudharabah / Changes in micro financing agreement from multiservice ijarah to mudharabah.
l Program campaign yang akan dilakukannya campaign ke 27 KCS / Campaign program of the 27th Sharia Branch Offices campaign.
l Rencana Produk Baru yaitu akan berencana mengeluarkan produk berupa kartu kredit syariah / New Product Plan of the plan to launch sharia credit card.
326 Maret 2014March 26, 2014
l Rencana penutupan KCS Palembang dikarenakan terjadinya keterlambatan pembukaan KCS dari jangka waktu yang telah ditentukan maka harus diadakan rencana penutupan KCS Palembang / Plan to close Sharia Branch Office in Palembang due to the delay in the opening of the branch office from the specified period of time.
l Rencana BUS penyampaian spin off UUS pada 2018 / BUS plan on the submission of Sharia Business Unit spin off for 2018.
l Pelaksanaan program iB campaign pada Maret 2014 dilaksanakan di kota lampung pada 20 hingga 23 Maret 2014 / Implementation of iB campaign program on March 2014 held in Lampung from March 20 to March 23, 2014.
l Rencana peluncuran produk bancassurance SIMPOL (simas power link) / Plan to launch bancassurance product called SIMPOL (simas power link).
416 April 2014April 16, 2014
l Perekrutan karyawan non muslim (untuk pimpinan cabang dan front liner). Hal ini tidak masalah dengan adanya penyesuaian / Recruitment of non-Muslim employees (for branch leaders and front liner). This is not a problem for adjustment.
l Front liner uniforml Rencana peluncuran produk bancassurance dan SIMPOL (simas power link) / − Planto
launch bancassurance product and SIMPOL (simas power link).
521 Mei 2014May 21, 2014
l Pembahasan SE OJK No.1/SEOJK.07/2014 tentang pelaksanaan edukasi dalam rangka meningkatkan literasi keuangan kepada konsumen dan/atau masyarakat / Discussion on Financial Services Authority Circular Letter No.1/SEOJK.07/2014 concerning education to improve customer’s and/or people’s financial literacy.
l Rencana pengajuan KCS Pekalongan yang masih menunggu kesiapan cabang syariah pekalongan / Plan to endorse Sharia Brand Office in Pekalongan.
l Perubahan SKN / Change of SKN.l Rencana peluncuran produk bancassurance dan SIMPOL (simas power link) / Plan to
launch bancassurance product and SIMPOL (simas power link).
UNIT USAHA SYARIAHSharia Business Units
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 181
NoTanggal
DateAgenda
625 Juni 2014June 25, 2004
l Pembahasan SE OJK No.1/SEOJK.07/2014 tentang pelaksanaan edukasi dalam rangka meningkatkan literasi keuangan kepada konsumen dan/atau masyarakat / Discussion on Financial Services Authority Circular Letter No.1/SEOJK.07/2014 concerning education to improve customer’s and/or people’s financial literacy.
l Rencana pengajuan KCS Pekalongan yang masih menunggu izin dari OJK / Plan to endorse Sharia Brand Office in Pekalongan waiting for to be licensed by OJK.
l Pelaksanaan pengajian dan silaturahmi menjelang bulan Ramadhan / Recitation and gathering in welcoming the month of Ramadhan.
l Pelaksanaan program tabungan Simas Community / Implementation of Simas Community savings program.
l Peluncuran produk bancaasurance dan SIMPOL / Launching of bancassurace product and SIMPOL.
l Penyaluran pembiayaan mudharabah / − Distributionofmudharabahfinaning.l Penggunaan akad Qardh untuk pengambil alihan hutang / The use of Qardh scheme for
loan takeovers.
723 Juli 2014July 23, 3014
l Pembayaran tunjangan hari raya / Holiday allowance payment.l Laporan DPS semester 1 tahun 2014 / DPS Report on the first half of 2014.
827 Agustus 2014August 27, 2014
l Rencana peresmian KCS pekalongan / Plan on inaugurating the Sharia Branch Office in Pekalongan.
l Penyediaan seragam bagi front liner / Distribution of uniform for the frontliner.
924 September 2014September 24, 2014
l Peresmian KCS Pekalongan / Inauguration of the Sharia Branch Office in Pekalongan.l Seragam marketing, agar menggunakan yang berbasis syariah / Marketing uniform, to
comply with the sharia principles.l Pelaksanaan dan pengembangan office chanelling / Implementation and development of
office channeling.l Rencana recruitment MT (management trainee) 3 / Plan to recrut 3 MT (management
trainee)
1029 Oktober 2014October 29, 2014
l Rencana pelaksanaan rapat kerjaraker yang dibagi di 2 (dua) tempat, yaitu wilayah Timur dan Barat, serta evaluasi pencapaian cabang dan penetepan target 2015 / Plan to hold working meetings in 2 (two) areas, East and West, as well as to evaluate branch achievements and to determine 2015 target.
l Pembahasan fatwa tentang pemberian hadiah tidak diperkenankan dalam bentuk tunai / Discussion on law concerning gift that is not allowed to be given in cash.
l Pengguanaan akad yang tepat untuk transaksi penghimpunan dana dalam kaitannya dengan pemberian hadiah dengan akad wadiah atau mudharabah / The use of appropriate contract for fund raising transactions in relation with gifts given with wadiah or mudharabah contract.
1126 November 2014November 26, 2014
l Pengembangan produk dan rencana pengembangan produk gadai dengan akad rahn / Product development and development plan of pawn products with rahn contract.
l Perhitungan bagi hasil dan pemberian bagi hasil dengan jangka waktu yang berbeda dengan yang dijanjikan lebih awal / Calculation and distribution of profit sharing with different time period from the promised time.
12 17 Desember 2014
l Pengembangan cabang dan rencana pengembangan kantor fungsional UUS / Branch development and development plan of functional office of Sharia Business Unit.
l Program Simas Community / Simas Community Program.l Layanan Syariah / Sharia services.
UNIT USAHA SYARIAHSharia Business Units
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014182
Aspect of Disclosure/Transparency of Sharia Supervisory
Board
Concurrent position as a member of Sharia Supervisory Board
on other Sharia financing institution, is enclosed on the table
below:
In addition, the Sharia Supervisory Board has stated that:
a. The Sharia Supervisory Board does not exploit UUS for the
use of personal, family, and/or other parties that could
reduce assets or reduce profits of UUS.
b. The Sharia Supervisory Board does not take and/or receive
personal benefits from the Constitution other than
remuneration and other facilities determined in the General
Meeting of Shareholders.
c. The Sharia Supervisory Board does not hold concurrent
position as consultant on any of BUS and/or UUS.
BOARD OF DIRECTORS OF ShARIA BuSINESS uNITPT. Bank Sinarmas Tbk. assign 1 (one) Director in charge of
Sharia Business Unit (UUS), in which since the establishment of
UUS until today the position of director in charge of UUS has
not been changed.
heru Agus wuryanto
An Indonesian Citizen born in Blitar on August 7, 1966 (48
years old). After passing Bank Indonesia’s Fit and Proper Test,
Mr. Wuryanto was promoted as Director of Credit & Marketing
of PT. Bank Sinarmas Tbk. through the General Meeting of
Shareholders of PT. Bank Sinarmas Tbk. on March 9, 2006. On
October 6, 2006, through the General Meeting of Shareholders,
he was assigned as Director of Human Resources & General
Affair. On November 20, 2009, through the General Meeting
of Shareholders, he was promoted as Director of General Affair
& Sharia. On the General Meeting of Shareholders in 2014,
in accordance with the organizational structure of PT. Bank
Sinarmas Tbk., he continues to serve as Director of Sharia
Business Unit.
Aspek Pengungkapan/Transparansi Mengenai DPS
Rangkap jabatan Sebagai anggota DPS pada lembaga keuangan
Syariah lainnya, secara jelas dilampirkan pada tabel sbb :
NamaName
Posisi Pada Perusahaan LainConcurrent Position at Other Company
Nama Perusahaan LainName of Other Company
Prof. Dr. KH. Ali Mustafa Yaqub, MA DPS PT Asuransi Astra Buana
Ahmadi Sukarno, LC, M.Ag DPS PT Asuransi Jiwa Sinarmas MSIG
Selain itu, Para DPS juga telah mengungkapkan hal-hal berikut:
a. Para DPS tidak memanfaatkan UUS untuk mengurangi
kepentingan pribadi, keluarga, dan/atau pihak lain yang
mengurangi aset atau mengurangi keuntungan UUS.
b. Para DPS tidak mengambil dan/atau menerima keuntungan
pribadi dari UUD selain remunerasi dan fasilitas lainnya
ditetapkan RUPS.
c. Para DPS tidak merangkap jabatan sebagai konsultan di
seluruh BUS dan/atau UUS.
DIREKTuR uNIT uSAhA SYARIAh
PT. Bank Sinarmas Tbk. menetapkan 1 (satu) Direktur yang
membawahi Unit Usaha Syariah, di mana sejak berdirinya UUS
sampai dengan saat ini belum terdapat pergantian direktur
yang membawahi UUS.
heru Agus wuryanto
Warga Negara Indonesia, lahir di Blitar, 7 Agustus 1966,
berumur 48 tahun. Setelah lulus Fit and Proper Test dari Bank
Indonesia, beliau diangkat sebagai Direktur Kredit & Marketing
Bank Sinarmas melalui Rapat Umum Pemegang Saham
PT. Bank Sinarmas Tbk. pada 9 Maret 2006. Pada 6 Oktober
2006, melalui Rapat Umum Pemegang Saham, beliau diangkat
sebagai Direktur Human Resources & General Affair. Pada 20
November 2009, melalui Rapat Umum pemegang Saham,
beliau diangkat sebagai Direktur General Affair & Syariah. Pada
Rapat Umum pemegang Saham 2014, sesuai dengan struktur
organisasi PT. Bank Sinarmas Tbk., beliau masih tetap dipercaya
sebagai Direktur UUS.
UNIT USAHA SYARIAHSharia Business Units
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 183
UNIT USAHA SYARIAHSharia Business Units
Riwayat pekerjaan beliau dimulai di Astra Credit Company
pada 1990-1995. Karier selanjutnya pada 1995-1997 di PT BII
Finance Center sebagai Marketing Manager, dilanjutkan pada
1997-2002 pada tempat yang sama sebagai Area Manager,
masih di perusahaan yang sama PT BII Finance Center tepatnya
pada tahun 2002-2003 diangkat sebagai General Manager.
Pada 2003 hingga 2006, beliau bergabung dengan PT Sinar
Mas Multifinance dan dipercaya sebagai Direktur.
Beliau memperoleh Gelar Sarjana Ekonomi, jurusan Akuntansi
pada Universitas Brawijaya Malang pada 1989. Selanjutnya
pada 1999, beliau memperoleh Gelar Master pada jurusan
Finance dari Universitas Indonesia Esa Unggul Jakarta.
Kriteria dan Indepedensi Direktur uuS
Direktur UUS memiliki integritas, kompetensi dan komitmen
dalam pengembangan UUS. Hal ini terbukti dari kinerja UUS
dalam pencapaian target atas pencapaian aset dan keuntungan
yang didapat. Sejauh ini selama PT. Bank Sinarmas Tbk. - UUS
berjalan, tidak terlihat adanya benturan kepentingan (conflict
of interest) dari Direktur UUS dalam menjalankan tugasnya.
Pelaksanaan Tugas dan Tanggung Jawab Direktur uuS
Direktur UUS telah bertugas dan bertanggung jawab penuh
baik atas pelaksanaan pengelolaan UUS berdasarkan prinsip
kehati-hatian dan Prinsip Syariah. Direktur UUS bertanggung
jawab terhadap pelaksanaan GCG disetiap kegiatan UUS.
Direktur UUS menindaklanjuti rekomendasi hasil pengawasan
DPS, hasil pengawasan Bank Indonesia, Temuan Audit Internal
maupun eksternal dan melakukan perencanaan manajemen
risiko yang baik dan memperhatikan kepatuhan kegiatan
UUS terhadap aturan yang ada. Adapun tanggung jawab lain
direalisasikan dalam bentuk penanganan di bidang berikut:
• Sumber Daya Manusia/Insani (SDM/I)
Direktur UUS secara terus menerus dan konsisten
memberikan arahan dalam proses pemenuhan SDM, baik
untuk Kantor Pusat maupun Kantor Cabang Syariah atau
Kantor di bawah Kantor Cabang Syariah. Peningkatan
kompetensi perbankan syariah secara berkesinambungan
melalui mengikutsertakan karyawan/ti UUS dalam berbagai
Mr. Wuryanto started his career at Astra Credit Company during
1990-1995. In 1995-1997 he served as a Marketing Manager
at PT BII Finance Center, and as an Area Manager during 1997-
2002 at the same company. Still at PT BII Finance Center during
2002-2003 he was promoted as General Manager. From 2003
to 2006 he then joined PT Sinar Mas Multifinance and was
entrusted as a Director.
Mr. Wuryanto earned his Bachelor Degree in Economics
majoring Accounting from Brawijaya University, Malang, in
1989. In 1999, he received his Magister degree majoring in
Finance from the University of Indonesia Esa Unggul, Jakarta.
Criteria and Independency of Director of Sharia Business
unit
Director of Sharia Business Unit (UUS) has the integrity,
competency and commitment to develop UUS. This is proven
by the performance of UUS in achieving its target assets and
in earning profits. So far, there has been no occurrence of
conflict of interest involving the Director of UUS in performing
his duties.
Duties and Responsibilities of Director of Sharia Business
unit
Director of UUS is in charge and fully responsible for the
implementation of UUS management in compliance with the
precautionary principle and the Sharia principles. Director
of UUS is responsible for the implementation of GCG on all
of UUS activities. Director of UUS is responsible to follow
up recommendations from the Sharia Supervisory Board’s
supervision results, Bank Indonesia’s supervision results, internal
and external audit findings, as well as to construct a good risk
management planning and to pay attention to the activities of
UUS in compliance the applicable rules. Other responsibilities
are realized in the management of the following areas:
• HumanCapital
Director of UUS constantly and consistently provide
guidance in the process of fulfilling the need of Human
Capital, both on Main Office or on Sharia Branch Offices
or Offices under the Sharia Branch Office. Continuous
improvement on the competency of sharia banking is
done by including employees of UUS in a variety of in-
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014184
UNIT USAHA SYARIAHSharia Business Units
pelatihan (in-class) menyangkut perbankan syariah dan
pelatihan sekaligus praktik minibanking bagi karyawan
frontliners khususnya, serta pelatihan pemahaman produk
(product knowledge) bagi karyawan Marketing. Pelatihan
terhadap karyawan tersebut dilakukan di internal Bank
Sinarmas yang didukung dengan pelatihan eksternal. Hal
ini menunjukkan bahwa Direktur UUS memiliki komitmen
dan konsistensi untuk terus mengembangkan SDM/I .
• Kepatuhan
Direktur UUS secara terus menerus dan konsisten
memberikan arahan dalam pengoperasian UUS di mana
harus selalu dan wajib mengacu pada Peraturan Bank
Indonesia (PBI), Peratuan Otoritas Jasa Keuangan, Fatwa
Dewan Syariah Nasional - Majelis Ulama Indonesia (DSN
- MUI) serta aturan-aturan terkait yang berlaku. Secara
khusus, pengoperasian UUS dalam hal penyaluran dana
dalam bentuk pembiayaan dalam batasan nilai pembiayaan
tertentu, melibatkan Divisi Kepatuhan Bank Umum
Konvensional (BUK) sebagai Bank Induk untuk memberikan
opininya terhadap pembiayaan yang akan diberikan.
Untuk memperkuat kepatuhan di UUS, maka Direktur UUS
menganggap perlu menempatkan salah satu officer pada
divisi kepatuhan yang paham mengenai Prinsip-prinsip
Syariah. Officer syariah tersebut telah ditempatkan di Divisi
Kepatuhan dan bertugas untuk selalu memonitor kegiatan
syariah sesuai dengan aturan yang ada.
Selain itu, Direktur UUS telah memberikan arahan mengenai
hal-hal berikut:
1. Menumbuhkan budaya kerja dan budaya perusahaan
yang senantiasa mematuhi setiap peraturan yang
berlaku dengan selalui memperhatikan prinsip kehati-
hatian dan prinsip syariah dalam mengelola usaha agar
visi dan misi UUS dapat tercapai.
2. Meningkatkan SDM/I melalui pendidikan dan pelatihan,
serta sosialisasi penerapan Know Your Customers (KYC),
Anti Pencucian Uang (APU) dan Pencegahan Pendanaan
Terorisme (PPT) secara berkesinambungan, pada seluruh
jajaran operasional UUS.
3. Meningkatkan kegiatan pengecekan dan pemantauan
terhadap pelaksanaan ketentuan APU dan PPT
pada operasional dan standar pelayanan yang telah
ditetapkan.
class training concerning sharia banking and training as
well as of minibanking practice especially for frontliner
employees, and also product knowledge training for
Marketing employees. Those trainings are conducted inside
Bank Sinarmas and are supported with external trainings.
It indicates that Director of UUS has the commitment and
consistency to further develop Human Capital.
• Compliance
Director of UUS constantly and consistently provide
guidance on UUS operations in which it must always and
shall refer to Bank Indonesia Regulations (PBI), Financial
Services Authority Regulations, Law of National Sharia
Board - Indonesian Ulema Council (DSN - MUI) as well as
to other related regulations. Specifically, the operations of
UUS in terms of distribution of funds in form of financing
within the limits of the value of certain financing, involves
the Commercial Bank Compliance Division (BUK) as the
Main Bank to give its opinion regarding financing that
will be granted. To strengthen compliance within UUS,
Director of UUS considers it necessary to assign one officer
that has adequate knowledge of Sharia principles to the
compliance division. That sharia officer has been assigned
at Compliance Division and has served to monitor sharia
activities in compliance with existing rules.
In addition, Director of UUS has provided guidance regarding
these matters:
1. To foster working culture and company culture that
complies with all applicable regulations with regard to the
precautionary principle and sharia principles in managing
business in order to achieve the vision and mission of UUS.
2. To improve the quality of human capital through education
and training, and through socialization on the application
of Know Your Customers (KYC), Anti-Money Laundering
(APU) and Anti-Terrorist Financing (PPT) on an ongoing
basis in the whole operational range of UUS.
3. To improve the quality of measurement and monitoring
activities on the implementation of APU and PPT regulations
on the determined operational and service standards.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 185
UNIT USAHA SYARIAHSharia Business Units
4. Memastikan bahwa semua peraturan-peraturan
intern seperti Kebijakan, Ketentuan dan SOP serta
lainnya selalu up to date (dilakukan pengkinian) sesuai
dengan perkembangan peraturan ekstenal yang
berlaku mengingat kegiatan usaha UUS yang selalu
berkembang.
• Manajemen Risiko
Komite Manajemen Risiko untuk UUS digabung dengan
Komite Manajemen Risiko BUK Induknya dan Direktur UUS
telah diikutsertakan sebagai salah satu anggota Komite
Manajemen Risiko BUK Induknya.
Sesuai dengan PBI No.13/23/PBI/2011 Tentang Penerapan
Manajemen Risiko bagi Bank Umum Syariah dan Unit Usaha
Syariah, maka Wewenang dan Tanggung Jawab Direktur
UUS adalah sebagai berikut:
1. Telah menyusun kebijakan dan strategi Manajemen
Risixo secara tertulis dan komprehensif
2. Telah bertanggung jawab atas pelaksanaan kebijakan
Manajemen Risiko dan eksposur Risiko yang diambil
secara keseluruhan
3. Telah mengevaluasi dan memutuskan transaksi yang
memerlukan persetujuannya
4. Telah mengembangkan budaya Manajemen Risiko pada
seluruh jenjang organisasi
5. Telah memastikan kompetensi SDM/I yang terkait
dengan Manajemen Risiko
6. Telah melaksanakan kaji ulang secara berkala untuk
memastikan:
a. Keakuratan metodologi penilaian Risiko
b. Kecukupan implementasi sistem informasi
Manajemen Risiko, dan
c. Ketepatan kebijakan, prosedur dan penetapan limit
Risiko
Dalam rangka melaksanakan wewenang dan tanggung
jawabnya, Direktur UUS telah memiliki pemahaman yang
memadai mengenai Risiko yang melekat pada seluruh
aktivitas fungsional dan operasional UUS dan telah mampu
mengambil tindakan yang diperlukan sesuai dengan profil
Risiko UUS.
4. To ensure that all internal regulations such as Policies,
Terms and SOP and other regulations are up to date with
the development of the applicable external regulations
given the continuous development of business activities of
UUS.
• RiskManagement
Risk Management Committee for UUS merged with Risk
Management Committee of BUK or of its Main Bank and
Director of UUS has been included as a member of Risk
Management Committee of BUK or of its Main Bank.
According to Bank Indonesia Regulation No. 13/23/PBI/2011
on the Implementation of Risk Management for Sharia
Commercial Banks and Sharia Business Unit, the authority
and responsibility of Director of UUS are as follows:
1. Formulate written and comprehensive Risk Management
policies and strategies
2. Responsible for the implementation of Risk Management
policies and Risk exposures as a whole
3. Evaluate and Decide transactions that requires his
approval
4. Develop Risk Management culture at all levels of the
organization
5. Ensure the competency of Human Capital in relation to
Risk Management
6. Carry out regular reviews to ensure:
a. The accuracy of Risk assessment methodologies
b. The adequacy of the implementation of Risk
Management information system, and
c. The accuracy of policies, procedures and
establishment of Risk limits
In order to carry out its authorities and responsibilities, the
Director of UUS has had an adequate understanding of Risks
inherent in all functional and operational activities of UUS
and has been able to take necessary actions in accordance
with the Risk profile of UUS.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014186
Di samping itu, Direktur UUS secara terus menerus dan
konsisten memberikan arahan untuk meninjau kembali
kemungkinan-kemungkinan atau potensi risiko-risiko yang
dapat terjadi dalam pengelolaan dan pengoperasian UUS.
Apabila terjadi penyaluran dana dalam bentuk pembiayaan
yang bermasalah, maka sesuai dengan PBI No. 13/9/2011,
SEBI 10/9/PBI/DPbS dan 13/34/PBI/DPbS tentang
Restrukturisasi Pembiayaan Bagi BUS dan UUS, Direktur UUS
telah memberikan arahan mengenai penyusunan Kebijakan
dan Standard Operating Procedure (SOP) yang merupakan
bagian dari Kebijakan Manajemen Risiko UUS. Penyusunan
SOP Restrukturisasi Pembiayaan yang terkait dengan aspek
Prinsip Syariah, telah dilakukan secara koordinatif dengan
DPS.
• Teknologi Informasi
Saat ini, UUS telah mempunyai sistem S1 CS syariah yang
sebelumnya menggunakan Sistem T24 syariah untuk
pengecekan informasi nasabah demi terciptanya proses
KYC dalam UUS. Untuk kedepannya, Direktur UUS akan
terus mengembangkan sarana dan prasarana dalam hal
pengembangan yang berkelanjutan pada sistem Islamic
Core Banking yang telah terpisah dari Core Banking BUK
Induknya.
• Pengembangan Jaringan dan Infrastruktur Kantor
Direktur UUS secara terus menerus dan konsisten
memberikan arahan mengenai pengembangan jaringan
dan infrastruktur kantor sesuai dengan Revisi RBB Tahun
2014-2016 yang telah disetujui oleh Bank Indonesia (BI).
Terhitung sejak didirikan dan disetujui, baik secara prinsip
maupun usaha, hingga akhir 2014 sudah terdapat 27 (dua
puluh tujuh) Kantor Cabang Syariah (KCS) dan 11 (sebelas)
Kantor Kas Syariah (KKS). Hal ini menunjukkan bahwa
Direktur UUS berkompetensi untuk terus berkomitmen
mengembangkan UUS, baik dari sisi kelembagaan maupun
SDM/I (Segi Kuantitas dan Kualitas).
Pada 2014, UUS telah diberikan izin untuk pembukaan
kantor cabang sebanyak 1 (satu) kantor cabang yang resmi
beroperasi sejak OJK mengeluarkan izin tersebut. Kantor
cabang tersebut telah beoperasi di wilayah Pekalongan.
UNIT USAHA SYARIAHSharia Business Units
In addition, Director of UUS constantly and consistently
provides guidance to review the possibilities or potential
risks that can occur in the management and operation of
UUS.
In case of a troubled distribution of funds in the form of
financing, in accordance with Bank Indonesia Regulation
No. 13/9/2011, SEBI 10/9/PBI/DPbS and 13/34/PBI/DPbS
on Financing Restructuring for BUS and UUS, Director of
UUS has provided guidance on the formulation of Policies
and Standard Operating Procedure (SOP) which is a part
of the Risk Management Policy of UUS. The formulation
of SOP Financing Restructuring related to aspect of Sharia
principles, has been carried out in coordination with DPS.
• InformationTechnology
Currently, UUS already has S1 CS Sharia system (previously
using T24 Sharia System) to check on customers’
information in order to realize the KYC process in UUS. For
the future, Director of UUS will continue to develop facilities
and infrastructure in terms of sustainable development in
Islamic Core Banking system which aparts from the Core
Banking of BUK or of its Main Bank.
• OfficeNetworkandInfrastructureDevelopment
Director of UUS has constantly and consistently provide
guidance on office network and infrastructure development
in accordance with the Revised RBB Year 2014-2016 which
has been approved by Bank Indonesia (BI).
Starting from its establishment and its approval, both in
terms of principle and effort, until the end of year 2014
there were already 27 (twenty seven) Sharia Branch Offices
(KCS) and 11 (eleven) Sharia Cash Office (KKS) exists. This
indicates that Director of UUS is competent to continue to
be committed to the development of UUS, both in terms
of institutional and human capital (Quantitatively and
Qualitatively).
In 2014, UUS has been granted license to open 1 (one)
branch office that was officially opened since OJK issued
the license. The branch office was opened in Pekalongan.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 187
UNIT USAHA SYARIAHSharia Business Units
• Pengembangan Produk dan Jasa Layanan Perbankan
Syariah
Direktur UUS secara terus menerus dan konsisten
memberikan arahan mengenai pengembangan produk dan
jasa layanan perbankan syariah dengan mengacu pada PBI
dan Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia
(DSN - MUI) serta sesuai dengan prinsip kehati-hatian dan
prinsip syariah.
Arahan dari Direktur UUS mengenai pengembangan produk
dan jasa layanan perbankan syariah telah tertuang dalam
RBB 2014-2016 khususnya produk baru, baik itu produk
Bank maupun produk Non Bank (Bancassurance dan
SIMPOL (simas power link syariah)). Namun, dalam rangka
mengembangkan serta mengakselerasi produk yang telah
eksis, Direktur UUS juga telah memberikan arahan untuk
selalu dilakukan kajian, benchmarking dengan Industri
Perbankan Syariah dan Industri Perbankan Konvensional
terutama pada aspek keunggulan, fitur dan manfaat
produk dan jasa layanan.
Selain itu, Direktur UUS juga telah memberikan arahan
terkait dengan pembenahan Kebijakan, Ketentuan dan SOP
Produk dan Layanan Jasa Syariah UUS.
• Treasury
Direktur UUS secara terus menerus dan konsisten
memberikan arahan mengenai fungsi Treasury UUS dengan
arahan sebagai berikut:
1. Telah mengoptimalkan fungsi Treasury dalam
pengelolaan likuiditas Bank, dengan tetap memenuhi
ketentuan yang berlaku, seperti GWM (rupiah dan
valas) dan lain-lain.
2. Telah meningkatkan dan mengakselerasi fungsi
Treasury sebagai profit center dengan memfokuskan
pada produk-produk yang sudah ada, seperti transaksi
Sertifikat Investasi Mudharabah Antarbank (SIMA) dan
surat berharga lainnya.
3. Berkesinambungan meningkatkan kualitas SDM/I
melalui pendidikan dan pelatihan untuk mengurangi
human error dengan target: Zero Defect.
• ProductsDevelopmentandShariaBankingServices
Director of UUS continiuously and consistently provides
guidance on the development of products and sharia
banking services by referring to PBI and National Sharia
Board Fatwa Indonesian Ulema Council (DSN-MUI) and in
accordance with the prudential and sharia principles.
Directive from Director of UUS regarding the development
of products and sharia banking services has been set out
in the Bank Business Plan of 2014-2016 particularly in new
products, both of the Bank product or Non Bank product
(Bancassurance and SIMPOL (simas power link syariah)).
However, in order to develop and accelerate products
which have already existed, Director of UUS also directs
to do researches, benchmarking with Islamci Banking and
Conventional Banking Industry, especially in the aspect of
advantages, features and benefits of products and services.
In addition, the Director of UUS also provides guidance
related to the improvement of policies, terms and SOP of
Sharia UUS Products and Services.
• Treasury
Director of UUS continuously and consistently directs on
UUS Treasury function with the following directives:
1. Optimizes Treasury function in the management of
Bank’s liquidity according to existing requirements, such
as GWM (rupiah and foreign exchange) and others.
2. Improves and accelerates Treasury function as a
profit center with focus on existing products, such as
Mudharabah antarbank (SIMA) and other securities
transactions.
3. Continously improves the quality of human resources
through education and training to reduce human error
with the target: zero Defect.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014188
• Operasional
Direktur UUS secara terus menerus dan konsisten
memberikan arahan mengenai fungsi Operasional UUS
dengan arahan sebagai berikut:
1. Telah menyempurnakan pedoman-pedoman tertulis
mengenai sistem dan prosedur operasional serta
administrasi pembiayaan agar dalam pelaksanaan
sehari-hari dapat berjalan lancar dan benar.
2. Meningkatkan fungsi kontrol pada seluruh aspek
kegiatan operasional UUS dan KCS setiap harinya.
3. Meningkatkan fungsi pengendalian dan pengawasan
internal (SKAI Syariah) pada seluruh aspek kegiatan
operasional secara periodik.
4. Meningkatkan keakuratan penyediaan data dan
informasi untuk laporan regulator (LHBUS, LBUS, SID,
LBBUS, dan lain - lain) yang dibuat dan laporkan secara
tepat waktu.
5. Meningkatkan kualitas SDM/I di kegiatan operasional
melalui pendidikan dan pelatihan bersertifikat.
KOMITE DI BAwAh DIREKSI uuS
Kelengkapan dan pelaksanaan tugas dan tanggung jawab
Direktur UUS dibantu dengan dibentuknya beberapa Komite,
yaitu:
Komite Penyaluran Dana Syariah (KPDS)
Komite Penyaluran Dana Syariah dibentuk berdasarkan No. SK.
001/2014/DIR3 - Syariah tertanggal 13 Januari 2014. Komite ini
bertugas dan bertanggung jawab atas pemberian persetujuan
atau keputusan pembiayaan, di mana masing-masing anggota
diberi limit tertentu, namun tetap menjamin keputusan
pembiayaan yang objektif dengan kualitas pembiayaan yang
baik, maka setiap keputusan pembiayaan pada prinsipnya
tidak dapat diputuskan oleh satu orang saja, melainkan hasil
keputusan bersama yaitu hasil keputusan quorum KPDS.
Komite Investasi Syariah (KIS)
Komite Investasi Syariah dibentuk berdasarkan No. SK.
005/2009/DIR3-UUS tertanggal 17 November 2009. Tugas,
tanggung jawab dan wewenang KIS adalah sebagai berikut:
1. Setiap Keputusan Investasi pada prinsipnya tidak dapat
diputuskan oleh satu orang saja, melainkan hasil keputusan
bersama yaitu hasil keputusan quorum Komite Investasi
UNIT USAHA SYARIAHSharia Business Units
• Operational
Director of UUS continuously and consistently directs on
UUS Operational function with the following directives:
1. Enchances written guidelines regarding systems and
operational procedures and financing administration
to run the implementation of financing administration
smoothly and correctly.
2. Improves the control function in all UUS operational
aspects and KCS everyday.
3. Improves the function of internal audit work unit (SKAI
sharia) in all aspects of operations periodically.
4. Improves the accuracy of the data and information
provisions for regulatory reports (LBHUS, LBUS, SID,
LBBUS and other) which are made and reported in a
timely manner.
5. Improves the operational qualities of human resources
through education and training certified.
COMMITTEES uNDER ThE BOARD OF DIRECTORThe completion and implementation of tasks and responsibilities
of the Director of UUS assisted with the establishment of several
Committees, namely:
Sharia Fund Distribution Committee (KPDS)
Sharia Fund Distribution Committee established through No.
SK. 001/2014/DIR3 - Syariah dated January 13, 2104. The
committee in charge and responsible for granting approvals of
financing decisions, whom each member is given a certain limit,
but still ensure that financing objective decisions with a good
quality financing, then every financing decision in principle can
not be decided by one person only, but rather decided by a
joint decision called quorum KPDS.
Sharia Investment Committee (KIS)
Sharia Investment Committee established through SK.
005/2009/DIR3-UUS dated November 17, 2009. Tasks,
responsibilities and authorities of KIS are as follows:
1. Each investment Decision in principle can not be decided by
one person only, but rather based on the result of a joint
decision called Sharia Investment Committee (KIS) quorum
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 189
UNIT USAHA SYARIAHSharia Business Units
Syariah (KIS), agar menjamin keputusan Investasi yang
objektif dengan kualitas Surat Berharga yang baik
2. Keputusan quorum berdasarkan Ketentuan Batas
Wewenang Pemutus Investasi. Quorum dianggap sah
apabila dihadiri oleh minimal 2/3 (duapertiga) anggota
Komite Investasi Syariah (KIS) dan disetujui oleh minimal
50% dari yang hadir.
3. Investasi hanya dapat dilakukan untuk Surat Berharga
Syariah, antara lain Obligasi Syariah (Ijarah), Obligasi
Syariah (Mudharabah), Reksadana Syariah dan Surat
Berharga Syariah lainnya yang telah sesuai dengan fatwa
yang telah dikeluarkan oleh Dewan Syariah Nasional Majelis
Ulama Indonesia (DSN- MUI).
4. Investasi hanya dapat dilakukan untuk kualitas Surat
Berharga Syariah, yang mana diakui berdasarkan nilai
pasar ditetapkan memiliki kualitas Lancar sepanjang
memenuhi persyaratan:
a. Aktif diperdagangkan di bursa efek di Indonesia;
b. Terdapat informasi nilai pasar secara transparan;
c. Telah diterima imbalan dalam jumlah dan waktu
yang tepat, sesuai perjanjian;
d. Belum jatuh tempo.
5. Kualitas Surat Berharga Syariah yang diakui berdasarkan
harga perolehan atau yang diakui berdasarkan nilai
pasar, namun tidak aktif diperdagangkan di bursa efek
di Indonesia dan/atau tidak terdapat informasi yang
transparan, ditetapkan memiliki kualitas Lancar, apabila:
a. Memiliki peringkat investasi (investment grade) atau
lebih tinggi yang diterbitkan oleh lembaga pemeringkat
(rating agency) yang diakui oleh Bank Indonesia dan
diterbitkan dalam waktu satu tahun terakhir;
b. Telah diterima imbalan dalam jumlah dan waktu
yang tepat, sesuai perjanjian; dan
c. Belum jatuh tempo.
Asset & Liability Management Committee (ALCO) Syariah
Asset & Liability Management Committee (ALCO) Syariah
dibentuk berdasarkan No. SK. 003/2013/DIR3-UUS tertanggal
19 Juli 2013. Pembentukan ALCO Syariah bertujuan untuk
mengevaluasi dan memutuskan pengendalian risiko
pengelolaan asset dan liability untuk meraih pangsa pasar dan
memperoleh Net Income Margin (NIM) sesuai dengan target
yang ditentukan dengan tetap menerapkan prinsip kehati-
hatian.
in order to ensure investment decisions with a good quality
of Securities.
2. The quorum decision is based on the Authority Boundary
Condition of Investment Termination which is considered
valid if it is attended by at least 2/3 (two-thirds) of the Sharia
Investment Committee (KIS) and approved by at least 50%
of the present.
3. Investments could only be made for the Sharia Securities,
among other sharia Bonds (Ijarah), Sharia Bonds
(Mudharabah), Sharia Mutual Funds and other Sharia
Securities in accordance with fatwa issued by National
Sharia Board Fatwa Indonesian Ulema Council (DSN-MUI).
4. Investments could only be made for the quality of Sharia
Securities which are recognized based on the market
values determined by fulfilling the requirements of Current
qualities as follows:
a. Actively trades on stock exchanges in Indonesia;
b. Have a transparent information of market value;
c. Have received compensation in the right amount and
time, which meet the requirements;
d. Not yet mature.
5. Quality of Sharia Securities which are recognized at cost
or recognized by market value, but are not actively traded
on stock exchange in Indonesia and/or does not contain
transparent information, has a Current quality, if:
a. Have investment grade or higher issued by rating agency
which is recognized by Bank Indonesia and issued within
the past year;
b. Have received compensation in the right amount and
time according to the agreementl and
c. Not yet mature.
Sharia Asset & Liability Management Committee (ALCO)
Sharia Asset & Liability Management Committee (ALCO)
established through No. SK. 003/2013/DIR3-UUS dated July 19,
2013. The establishment of Sharia ALCO aims to evaluate and
decide control of asset and liability risks management to gain
market share and gain Net Income Margin (NIM) in accordance
with specified targets while still applying the prudential
principle.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014190
Sharing Profit Committee (KBhK)
Sharing Profit Committee (KBHK) established through No.
SK. 008/DIR3-UUS dated November 17, 2009. Sharing Profit
Committee (KBHK) has responsibilites and authorities to
determine and set a sharing profit with the following functions:
a. Provides inputs to Sharia Board of Commisioners and
Directors (DPS) in order to set ratio for Third Party Funds.
b. Determines and specifies the provision amount of margin,
the value of the lease and for sharing profit for productive
assets.
c. Determines and specifies prioritize revenue which will be
shared to Third Party Funds Customers.
d. Determines and specifies Bonus for Third Party Funds with
Wadiah schema.
e. Determines and specifies Calculation of Profit Sharing
System.
OPERATIONAL REVIEw PER BuSINESS SEGMENTImplementation of Sharia Principles in Fundraising
Activities
Implementation of sharia principles in fundraising through
sharia applied contract agreement products of PT. Bank
Sinarmas Tbk. - UUS are as follows:
1. Simas iB Accounts regarding on Mudharabah Muthlaqah
contract agreement;
2. Siman iB Savings regarding on Mudharabah Muthlaqah and
Wadi’ah contract agreement;
3. Simas Gold iB Savings regarding on Mudharabah Muthlaqah
contract agreement;
4. Tabunganku iB regarding on Wadi’ah contract agreement;
5. Time Deposit iB regarding on Mudharabah Muthlaqah
contract agreement;
6. Special Time Deposit iB regarding on Mudharabah
Muthlaqah contract agreement;
7. Interbank Mudharabah Investment Sertificates (SIMA).
All fundraising are guaranteed by Deposit Insurance Agency to
avoid the possibility of risks that will happen.
Komite Bagi hasil Keuntungan (KBhK)
Komite Bagi Hasil Keuntungan (KBHK) dibentuk berdasarkan
No. SK. 008/DIR3-UUS tertanggal 17 November 2009. Komite
Bagi Hasil Keuntungan (KBHK) berkewajiban dan berwenang
untuk menentukan dan menetapkan bagi hasil keuntungan,
dengan fungsi sebagai berikut:
a. Memberi masukan kepada Direksi dan Dewan Pengawas
Syariah (DPS) dalam rangka menetapkan Nisbah untuk
Dana Pihak Ketiga.
b. Menentukan dan menetapkan pemberian besarnya
margin, nilai sewa dan bagi hasil untuk Aset produktif.
c. Menentukan dan menetapkan prioritas pendapatan yang
akan dibagi hasilkan ke Nasabah Dana Pihak Ketiga.
d. Menentukan dan menetapkan Bonus untuk Dana Pihak
Ketiga dengan skema Wadiah.
e. Menentukan dan menetapkan Sistem Perhitungan Bagi
Hasil.
TINJAuAN OPERASI PER SEGMEN uSAhA
Pelaksanaan Prinsip Syariah Dalam Kegiatan
Penghimpunan Dana
Pelaksanaan prinsip syariah dalam penghimpunan dana melalui
penerapan akad-akad Syariah yang berlaku diantaranya produk
yang diterbitkan PT. Bank Sinarmas Tbk. - UUS adalah sebagai
berikut:
1. Rekening Giro Simas iB menggunakan akad Mudharabah
Muthlaqah;
2. Rekening Tabungan Simas iB menggunakan akad
Mudharabah Muthlaqah dan Wadi’ah;
3. Rekening Tabungan Simas Gold iB menggunakan akad
Mudharabah Muthlaqah;
4. Rekening Tabunganku iB menggunakan akad Wadi’ah;
5. Deposito Berjangka iB menggunakan akad Mudharabah
Muthlaqah;
6. Deposito Spesial iB menggunakan akad Mudharabah
Muthlaqah;
7. Sertifikat Investasi Mudharabah Antar Bank (SIMA).
Guna menghindari dari kemungkinan risiko yang akan terjadi,
maka semua penghimpunan dana dijamin oleh Lembaga
Penjamin Simpanan.
UNIT USAHA SYARIAHSharia Business Units
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 191
Implementation of Sharia Principles in Activity Funds
Distribution
The implementation of sharia principles in funds distribution of
funds through sharia applied contract agreement products of
PT. Bank Sinarmas Tbk. - UUS are as follows:
1. Murabahah Financing;
2. Sale and Lease Back Financing;
3. Musyarakah Financing;
4. Multiservices Financing;
5. Mudharabah Financing;
6. Qard Sosial Financing.
In addition, The Company takes into account of financial risks
which adhere in each of used contract. The risk management
implementation for all financial products adhere directly to
each product with the following possibilities which may occur
along the risk mitigation in each KDPK:
• MurabahahFinancing
UNIT USAHA SYARIAHSharia Business Units
Pelaksanaan Prinsip Syariah Dalam Kegiatan Penyaluran
Dana
Pelaksanaan prinsip syariah dalam penyaluran dana melalui
penerapan akad-akad pembiayaan Syariah yang berlaku,
diantaranya produk yang diterbitkan PT. Bank Sinarmas Tbk.
- UUS sebagai berikut :
1. Pembiayaan Murabahah;
2. Pembiayaan Sale and Lease Back;
3. Pembiayaan Musyarakah;
4. Pembiayaan Multijasa;
5. Pembiayaan Mudharabah;
6. Pembiayaan Qard Sosial.
Selain itu, Perseroan memperhatikan pula risiko pembiayaan
yang melekat pada masing-masing akad yang digunakan,
di mana penerapan manajemen risiko bagi semua produk
pembiayaan melekat langsung pada masing-masing produk,
berikut kemungkinan risiko yang akan terjadi beserta
mitigasinya dalam masing-masing KDPK:
• Pembiayaan Murabahah
Risiko yang Dapat Terjadi Dalam Transaksi MurabahahRisks that May Happen in Murabahah Transaction
(Bank Sebagai Penjual / Bank as Seller)
Strategi Mengelola RisikoStrategy to Manage Risk
Murabahah berdasarkan pesanan dapat bersifat mengikat atau tidak mengikat nasabah untuk membeli barang yang telah dipesannya (counterparty risk).
Mudharabah based on orders can be binding or non-bining customers to buy goods that have been ordered (counterparty risk).
1. Sebelum transaksi murabahah dijalankan terlebih dahulu dianalisis apakah nasabah benar-benar memerlukan barang yang akan dipesannya dan analisis kemampuan nasabah untuk membeli barang tersebut. / Before murabahah transaction is executed, the customer will be analyzed first to see whether the customer really need the goods that will be purchased and analyzed the customer capability to purchase the product.
2. Nasabah dapat dimintakan uang muka (urbun) dan dapat disetorkan ke bank terlebih dahulu. / The customer may requested advance payment (urbun) and deposit it in the Bank in advance.
Apabila Aset murabahah yang telah dibeli bank (sebagai penjual) dalam murabahah pesanan mengikat mengalami penurunan nilai karena kerusakan sebelum diserahkan kepada pembeli maka penurunan nilai tersebut menjadi beban penjual (bank) dan penjual (bank) akan mengurangi nilai akad.
If the murabahah assets which have been purchased by Bank (as a seller) in binding murabahah order are impaired before being handed over to the buyer, then the impairment will be on the seller charges (bank) and the seller (bank) will reduce the value of contract.
Dalam pembelian Aset murabahah, bank dapat mewakilkannya kepada nasabah dengan memberikan akad wakalah, sehingga segala tanggung jawab atas kondisi barang merupakan kewajiban nasabah.
In murabahah assets purchase, the Bank may represent the constumers by providing wakalah contract. Any liability for the condition of goods become the customer obligation.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014192
• Sale and Lease Back Financing
UNIT USAHA SYARIAHSharia Business Units
Risiko yang Dapat Terjadi Dalam Transaksi MurabahahRisks that May Happen in Murabahah Transaction
(Bank Sebagai Penjual / Bank as Seller)
Strategi Mengelola RisikoStrategy to Manage Risk
Nasabah tidak dapat memenuhi kewajibannya atas pembayaran angsuran yang telah ditetapkan (default risk).
Customers cannot fulfil his/her obligation for payment of installment that have been set (default risk).
1. Nasabah diwajibkan untuk memberikan laporan keuangan setiap bulan. / The customer is required to provide financial statement every month.
2. Bank setiap waktu berhak atau dapat melakukan pemeriksaan terhadap usaha nasabah. / The Bank has the rights or may conduct an examination of the customer’s business at any time.
3. Apabila nasabah mempunyai karakter yang baik, namun dalam kondisi tidak dapat membayar kewajiban kepada bank, maka bank melakukan penyesuaian terhadap waktu pembayaran kewajiban nasabah dengan usaha nasabah, apabila sudah benar-benar tidak memiliki kemampuan membayar maka jaminan dapat dijual. / If the customer is categorized as a good customer, but cannot pay liabilities to the Bank, then the Bank will adjust the payment obligation with the customer’s business. When it really does not have the ability to pay, the collateral can be sold.
4. Apabila nasabah mempunyai karakter kurang baik dan suka menunda-nunda pembayaran, maka dapat dikenakan denda atas keterlambatan pembayaran dan dana atas denda tersebut akan digunakan untuk aktifitas sosial/kebajikan. / If the customer is categorized as less good and he/she procrastinates payment, the penalties can be granted for the late payment. The fine will be used for social activities.
• Pembiayaan Sale and Lease Back
Risiko Yang Dapat Terjadi Dalam Transaksi Sale and Lease Back iB
Strategi Mengelola RisikoStrategy to Manage Risk
Risiko pembiayaan (financing risk) yang disebabkan oleh nasabah wanprestasi atau tidak dapat memenuhi kewajibannya atas pembayaran sewa yang telah ditetapkan (default risk).
Financing risks which are caused by a customer’s case of default or cannot meet his/her obligation for the payment of default risk rent.
1. Nasabah diwajibkan untuk memberikan laporan keuangan setiap bulan. / The customer are require to provide financial statement every month.
2. Bank setiap waktu berhak atau dapat melakukan pemeriksaan terhadap usaha nasabah. / The bank has the rights or may conduct an examination on customer’s business at any time.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 193
• Musyarakah Financing
UNIT USAHA SYARIAHSharia Business Units
Risiko Yang Dapat Terjadi Dalam Transaksi Sale and Lease Back iB
Strategi Mengelola RisikoStrategy to Manage Risk
3. Apabila nasabah mempunyai karakter yang baik, namun dalam kondisi tidak dapat membayar kewajiban kepada bank, maka bank melakukan penyesuaian terhadap waktu pembayaran kewajiban nasabah dengan usaha nasabah, apabila sudah benar-benar tidak memiliki kemampuan membayar maka jaminan dapat dijual.v Apabila nasabah mempunyai karakter kurang baik dan suka menunda-nunda pembayaran, maka dapat dikenakan denda atas keterlambatan pembayaran dan dana atas denda tersebut akan digunakan untuk aktifitas sosial/kebajikan. / If the customer is categorized as a good character, but cannot pay liabilities to the Bank, then the Bank may adjust the payment obligation with customer’s business. When it really does not have the ability to pay, the collateral can be sold.
Risiko pasar yang disebabkan oleh pergerakan nilai tukar mata uang baik pembiayaan atas dasar akad murabahah maupun ijarah diberikan dalam valuta asing.
Market risk due to currency exchange rate movement on the basis of both financing murabahah and ijarah contracts awarded in foreign currencies.
Dikarenakan pembiayaan Sale and Lease Back iB ini terbatas dalam mata uang Rupiah maka bank tidak memiliki risiko pasar yang disebabkan oleh pergerakan nilai tukar mata uang.
Sale and lease back iB financing due to currency exchange rate movement.
Dengan berjalannya waktu sewa dan adanya pemakaian oleh penyewa, maka mengakibatkan nilai objek sewa semakin menurun.
As time goes on rent and being used by the lessee can cause the object value impaired.
Untuk meng-cover penurunan nilai objek sewa dilakukan dengan menambah biaya sewa. Apabila nilai objek sewa menjadi nihil, maka pihak bank dapat menghibahkan objek sewa tersebut kepada penyewa. Impairment lease object is covered by adding the cost of rental. If the value of lease object zero, then the Bank may grant the lease object to the lessee.
• Pembiayaan Musyarakah
Risiko Yang Dapat Terjadi dalam Transaksi Musyarakah
Strategi Mengelola RisikoStrategy to Manage Risk
Financing Risk:1. Kemungkinan tidak dibayarnya keuntungan/bagi hasil
porsi dari hak bank sesuai akad yang telah dibuat akibat kurangnya informasi yang didapat bank atas usaha bersamanya dengan nasabah / The possibility of unpaid profit/profit sharing from Bank’s rights according to contract made is due to the lack of information obtained between the Bank and customers.
2. Pada musyarakah, jika usaha yang dikelola nasabah rugi bukan disebabkan oleh kelalaian atau kesalahan yang disengaja nasabah, misalnya karena factor kondisi ekonomi maka bank yang menanggung kerugian / In Musyarakah, if the business is managed by customer loss which is not caused by negligence or willful misconduct of the customer, such as factors of economic conditions, the Bank bear the loss.
1. Nasabah diwajibkan untuk memberikan laporan keuangan setiap bulan / Customers are required to provide financial statment every month.
2. Bank setiap waktu berhak atau dapat melakukan pemeriksaan terhadap usaha nasabah / The bank has the rights or may conduct an examination on customer’s business at any time.
3. Dalam pemberian fasilitas harus dilakukan analisis dengan baik mengenai usaha yang akan dijalankan nasabah serta kondisi ekonomi baik secara makro maupun mikro / The facilities given for the customer business should be well analyzed in both of the micro and macro economic conditions.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014194
• Multiservices Financing
Risiko Yang Dapat Terjadi dalam Transaksi Musyarakah
Strategi Mengelola RisikoStrategy to Manage Risk
Market Risk:Risiko yang disebabkan oleh pergerakan nilai tukar mata uang jika pembiayaan diberikan dalam bentuk valuta asing. Hal ini dapat terjadi apabila pembiayaan dalam mata uang asing sementara pendapatan tidak seluruhnya dalam mata uang asing tetapi mayoritas dalam mata uang Rupiah maka jika mata uang asing bergerak naik akan mengakibatkan nilai pendapatan turun / Risk caused by the movement of exchange rate happens if financing given in a form of foreign exchange. This can happen if the financing is in foreign currency, while the revenues not are not entirely in foreign currency but in the majority of Rupiah. If the foreign currency value is moving up, it will result a depreciation of revenues.
Idealnya, jika pergerakan mata uang asing cenderung naik dibandingkan dengan Rupiah maka pembiayaan dalam mata uang asing diberikan apabila pendapatan yang dihasilkan juga dalam mata uang asing sementara pengeluaran biaya dalam mata uang Rupiah / Ideally, if the movement of foreign currency tend to rise compared with Rupiah, then the financing in foreign currency is given if the revenues is in foreign currency while the expenses is in Rupiah.
• Pembiayaan Multijasa
Risiko Yang Dapat Terjadi dalam Transaksi Multijasa iB
Strategi Mengelola RisikoStrategy to Manage Risk
Financing Risk yang disebabkan oleh nasabah wanprestasi atau dengan kata lain nasabah tidak dapat memenuhi kewajibannya atas pembayaran sewa yang telah ditetapkan atau default risk.
Financing risks which are caused by a customer’s case of default or cannot meet his/her obligation for the payment of default risk rent.
1. Nasabah diwajibkan untuk memberikan laporan keuangan setiap bulan / The customer is required to provide financial statement every month.
2. Bank setiap waktu berhak atau dapat melakukan pemeriksaan terhadap usaha nasabah / The Bank has the rights or may conduct an examination of the customer’s business at any time.
3. Apabila nasabah mempunyai karakter yang baik namun dalam kondisi tidak dapat membayar kewajiban kepada bank, maka bank melakukan penyesuaian terhadap waktu pembayaran kewajiban nasabah dengan usaha nasabah, apabila sudah benar-benar tidak memiliki kemampuan membayar maka jaminan dapat dijual / If the customer is categorized as a good customer, but cannot pay liabilities to the Bank, then the Bank will adjust the payment obligation with the customer’s business. When it really does not have the ability to pay, the collateral can be sold.
4. Apabila nasabah mempunyai karakter kurang baik dan suka menunda-nunda pembayaran, maka dapat dikenakan denda atas keterlambatan pembayaran / If the customer is categorized as less good and he/she procrastinates payment, the penalties can be granted for the late payment. The fine will be used for social activities.
Market risk yang disebabkan oleh pergerakan nilai tukar jika pembiayaan atas dasar akad ijarah diberikan dalam valuta asing / Market risk due to currency exchange rate movement on the basis of both financing murabahah and ijarah contracts awarded in foreign currencies.
Dikarenakan pembiayaan multijasa Simas - iB ini terbatas dalam mata uang Rupiah maka bank tidak memiliki risiko pasar yang disebabkan oleh pergerakan nilai tukar /Due to the multiservices Simas-iB is limited only for rupiah, then Bank has no market risk caused by exchange rate movement.
UNIT USAHA SYARIAHSharia Business Units
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 195
• Mudharabah Financing
UNIT USAHA SYARIAHSharia Business Units
Risiko Yang Dapat Terjadi dalam Transaksi Multijasa iB
Strategi Mengelola RisikoStrategy to Manage Risk
Dengan berjalannya waktu sewa dan adanya pemakaian oleh penyewa mengakibatkan nilai objek semakin menurun / As time goes on lease and their use by lessee caused an impairment of object value
Untuk meng-cover penurunan nilai objek sewa dilakukan dengan menambah biaya sewa. Apabila nilai objek sewa menjadi nihil, maka pihak bank dapat menghibahkan objek sewa tersebut kepada penyewa / Impairment lease object is covered by adding the cost of rental. If the value of lease object zero, then the Bank may grant the lease object to the lessee
• Pembiayaan Mudharabah
Risiko Yang Dapat Terjadi dalam Transaksi Musyarakah
Strategi Mengelola RisikoStrategy to Manage Risk
Financing Risk:1. Kemungkinan tidak dibayarnya keuntungan/bagi hasil
porsi dari hak bank sesuai akad yang telah dibuat akibat kurangnya informasi yang didapat bank atas usaha bersamanya dengan nasabah / The possibility of unpaid profit/profit sharing from Bank’s rights according to contract made is due to the lack of information obtained between the Bank and customers.
2. Pada musyarakah, jika usaha yang dikelola nasabah rugi bukan disebabkan oleh kelalaian atau kesalahan yang disengaja nasabah, misalnya karena faktor kondisi ekonomi maka bank yang menanggung kerugian / In Musyarakah, if the business is managed by customer loss which is not caused by negligence or willful misconduct of the customer, such as factors of economic conditions, the Bank bear the loss.
1. Nasabah diwajibkan untuk memberikan laporan keuangan setiap bulan / The customer is required to provide financial statement every month.
2. Bank setiap waktu berhak atau dapat melakukan pemeriksaan terhadap usaha nasabah / The Bank has the rights or may conduct an examination of the customer’s business at any time.
3. Dalam pemberian fasilitas harus dilakukan analisis dengan baik mengenai usaha yang akan dijalankan nasabah serta kondisi ekonomi baik secara makro maupun mikro / The facilities given for the customer business should be well analyzed in both of the micro and macro economic conditions.
Market Risk:Risiko yang disebabkan oleh pergerakan nilai tukar mata uang jika pembiayaan diberikan dalam bentuk valuta asing. Hal ini dapat terjadi apabila pembiayaan dalam mata uang asing sementara pendapatan tidak seluruhnya dalam mata uang asing tetapi mayoritas dalam mata uang Rupiah maka jika mata uang asing bergerak naik akan mengakibatkan nilai pendapatan turun / Risk caused by the movement of exchange rate happens if financing given in a form of foreign exchange. This can happen if the financing is in foreign currency, while the revenues not are not entirely in foreign currency but in the majority of Rupiah. If the foreign currency value is moving up, it will result a depreciation of revenues.
Idealnya, jika pergerakan mata uang asing cenderung naik dibandingkan dengan Rupiah maka pembiayaan dalam mata uang asing diberikan apabila pendapatan yang dihasilkan juga dalam mata uang asing sementara pengeluaran biaya dalam mata uang Rupiah / Ideally, if the movement of foreign currency tend to rise compared with Rupiah, then the financing in foreign currency is given if the revenues is in foreign currency while the expenses is in Rupiah.
Operational Risk :Risiko operasional yang disebabkan oleh internal fraud antara lain pencatatan yang tidak benar atas nilai posisi, penyogokan, ketidaksesuaian pencatatan pajak (secara sengaja), kesalahan, manipulasi dan mark up dalam akuntansi/pencatatan maupun pelaporan / Operational risks caused by internal fraud including improper recording of the position value, bribery, tax record mismatches (intentionally), errors, manipulations and mark ups in the accounting/recording or reporting.
Setiap hari sebelum end of day, laporan transaksi hari yang bersangkutan harus selalu di cek kembali oleh supervisor dan di ketahui oleh kepala operasional / Everyday before the end of day, transaction reports should be rechecked by the supervisor and known by the operational head.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014196
• Qardh Sosial Financing
While related to the value of plafond, UUS involves the
Compliance Work Unit (SKK) and Risk Management Unit
(SKMR) to give opinions on financing which will be given to
the financing customers for a particular exposure in certain
business lines.
Implementation of Sharia Principles in Service Activities
Implementation of sharia principles in service activities through
sharia applied contract agreement products of PT. Bank
Sinarmas Tbk. - UUS are as follows:
• Treasury(foreignexchangetrading,securitiesandSIMA)
• MudharabahMuqqayadahChanelling.
Each product must fulfill and comply to sharia principles and
applied PBI regulations. Therefore each product has the Terms
and Procedures Work (KDPK). Moreover, in order to avoid
the potential risks occur, then all KDPK services and products
discussed risks that will be happened and described the
• Pembiayaan Qardh Sosial
Risiko Yang Dapat Terjadi dalam Transaksi Pembiayaan Qardh
Strategi Mengelola Risiko
Financing Risk yang disebabkan oleh nasabah wanprestasi atau dengan kata lain nasabah tidak dapat memenuhi kewajibannya atas pembayaran sewa yang telah ditetapkan atau default risk / Financing risks which are caused by a customer’s case of default or cannot meet his/her obligation for the payment of default risk rent.
1. Nasabah diwajibkan untuk memberikan laporan keuangan setiap bulan / The customer is required to provide financial statement every month.
2. Bank setiap waktu berhak atau dapat melakukan pemeriksaan terhadap usaha nasabah / The Bank has the rights or may conduct an examination of the customer’s business at any time.
3. Apabila nasabah mempunyai karakter yang baik namun dalam kondisi tidak dapat membayar kewajiban kepada bank, maka bank melakukan penyesuaian terhadap waktu pembayaran kewajiban nasabah dengan usaha nasabah, apabila sudah benar-benar tidak memiliki kemampuan membayar maka jaminan dapat dijual / If the customer is categorized as a good customer, but cannot pay liabilities to the Bank, then the Bank will adjust the payment obligation with the customer’s business. When it really does not have the ability to pay, the collateral can be sold.
4. Apabila nasabah mempunyai karakter kurang baik dan suka menunda-nunda pembayaran, maka dapat dikenakan denda atas keterlambatan pembayaran / If the customer is categorized as less good and he/she procrastinates payment, the penalties can be granted for the late payment. The fine will be used for social activities.
Sedangkan yang berhubungan dengan besarnya nilai plafond,
UUS melibatkan Satuan Kerja Kepatuhan (SKK) dan Satuan
Kerja Manajemen Risiko (SKMR) untuk memberikan opininya
terhadap pembiayaan yang akan kami berikan kepada nasabah
pembiayaan untuk eksposure tertentu ataupun untuk bidang
usaha tertentu.
Pelaksanaan Prinsip Syariah Dalam Kegiatan Pelayanan
Jasa
Pelaksanaan prinsip syariah dalam kegiatan pelayanan jasa
melalui penerapan akad-akad Syariah yang berlaku diantaranya
produk yang diterbitkan PT. Bank Sinarmas Tbk. - UUS antara
lain:
• Treasury (jual beli valuta asing, surat berharga dan SIMA)
• Mudharabah Muqqayadah Chanelling.
Setiap produk harus memenuhi prinsip syariah dan memenuhi
ketentuan PBI yang berlaku, maka setiap produk memiliki
Ketentuan dan Prosedur Kerjanya (KDPK). Selain itu, guna
menghindari kemungkinan risiko yang akan terjadi, maka
semua KDPK produk jasa membahas risiko yang akan terjadi
UNIT USAHA SYARIAHSharia Business Units
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 197
UNIT USAHA SYARIAHSharia Business Units
dan menjabarkan mitigasinya. Sedangkan pelayanan jasa
lainnya seperti RTGS dan lain-lain, disesuaikan dengan yang
telah diatur dalam PBI terkait.
• Produk Jasa Mudharabah Muqayyadah Channeling
(MMC)
1. Fungsi Bank dalam kemitraan dengan nasabah dalam
Mudharabah Muqayyadah dapat berfungsi sebagai agen
investasi atau manajer investasi sesuai kesepakatan dengan
pemilik dana.
2. Analisis dan Identifikasi Risiko
Risiko yang dihadapi Bank tergantung pada fungsi
Bank sebagai pengelola dana, apakah sebagai Agen
Investasi atau Manajer Investasi. Jika Bank sebagai Agen
Investasi, maka Bank tidak menanggung risiko apapun
atas penyaluran dana kecuali risiko reputasi bilamana
nasabah penerima dana tidak dapat mengembalikan
sebagian atau seluruhnya dana pembiayaan berikut biaya
administrasi lainnya.
Jika Bank sebagai Manajer Investasi, maka Bank
menanggung risiko apabila nasabah penerima dana tidak
dapat mengembalikan sebagian atau seluruhnya dana
pembiayaan berikut biaya administrasi lainnya, adapun
risiko yang ditanggung sebatas tidak mendapatkan
nisbah dari bagi hasil atas penyaluran pembiayaan.
3. Pengelolaan Risiko dari Tuntutan dari Pemilik Dana
a. Pemilik dana harus diinformasikan atas seluruh risiko
atas produk MMC.
b. Mencantumkan klausula pembebasan Bank atas
seluruh risiko yang akan timbul dari penyaluran dana
dari produk MMC mulai dari BMM, APPDT-MMC, SPPD-
MMC sampai dengan SPDT-MMC.
c. Bank tidak mengeluarkan rekomendasi pemberian
pembiayaan kepada penerima dana, tetapi Bank
hanya menyajikan informasi kinerja keuangan, bidang
usaha, risiko usaha, prospek usaha dari calon
penerima dana.
4. Pengelolaan Risiko Penyaluran Dana Mudharabah
Muqayyadah Channeling (MMC)
Pada penempatan dana Mudharabah Muqayyadah dimana
penyaluran dana dapat dilakukan dengan menggunakan
mitigations. Meanwhile other services such as RTGS and others
are adapted to the relevant regulated PBI.
• MudharabahMuqayyabahChanneling(MMC)Products
and Services
1. Bank Function in partnership with client in Mudaraba
muqayyadah may function as investation agent or manager
according to funds owner.
2. Analysis and Risks Identification
Bank Risks depend on the function of the Bank as manager
of the funds, whether as an Investment Agent or the
Investment Manager. If the Bank acts as an Investment
Agent, then Bank does not bear any risk on funds
distribution except reputational risk when the beneficiary
cutomers can not return the funds partially or fully including
the other administration costs.
If Bank acts as an Investment Manager, then Bank’s
customers bears the risk if the benficiary customer can
not store the funds partially or fully including the other
administration costs, while the risks are covered only if
the ratio is not given from the profit sharing of funding
distribution.
3. Risk Management from the Demands of Owner Funds
a. Owner of the funds must be informed all of the risks on
MMC products.
b. List of the Bank exemption for all risks arise from the
distribution of funds from th MMC products, ranging
from BMM, APPDT-MMC, SPPD-MMC up to SPDT-
MMC.
c. The Bank does not issue a recommendation for
provision of financing to the beneficiary, but the Bank
only presents financial performance information,
business lines, business risks, business prospects from
the potential beneficiary.
4. Credit Risk Management of Mudharabah Muqayyadah
Funds Distribution
The placement of Mudharabah Muqayyadah funds can be
done regarding on the existing funds distribution principles
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014198
and followed by the respective distribution of each funds.
The Financial Risk management refers to the principles of
funds distribution used.
Implementation of Sharia Principles in Providing Sharing
Profit to the Depositors.
The implementation of Sharia principles in the provision of
sharing profits to Third Party Fund (DPK) customers based on
placement funds contract. Thus, the provision of sharing profits
is given according to the determined ratio in the placement
contract. In order to make the sharing profit transparent and
measureable, a formula is made and managed by calculation
steps and regulations based on Working Conditions and
Procedures (KDPK) of Sharing Profit. In the end of month, Bank
writes a circular letter concerning about Ratio Level (sharing
profit) for the next month which also includes the results of
Bank’s Opinions in percentage form as the basis for the sharing
profit of the month.
Distribution of Funds To the Largest Financing Customers
and Largest Deposit Funds Customers
• FundsDistributiontoLargestFinancingCustomers
prinsip-prinsip penyaluran dana yang ada dan mengikuti
ketentuan pada masing-masing penyaluran dana tersebut,
maka pengelolaan Risiko Pembiayaan mengacu pada
prinsip-prinsip penyaluran dana yang digunakan.
Pelaksanaan Prinsip Syariah dalam Pemberian Bagi hasil
Kepada Nasabah Penyimpan Dana
Pelaksanaan prinsip syariah dalam pemberian bagi hasil kepada
nasabah Dana Pihak Ketiga (DPK) berdasarkan akad-akad
saat penempatan dananya, atas dasar itu maka dalam
pemberian bagi hasil yang kami berikan sesuai nisbah yang
telah ditentukan pada akad penempatan. Agar pemberian
bagi hasil transparan dan terukur maka dibuatkan suatu
formula yang mana cara menghitung dan kebijakan-
kebijakan yang mengaturnya diterbitkan dalam Ketentuan
dan Prosedur Kerja (KDPK) Bagi Hasil dan setiap akhir bulan
kami buatkan Surat Edaran tentang Tingkat Nisbah (Bagi Hasil)
untuk bulan berikut yang juga memuat hasil pendapat Bank
dalam persentasenya yang menjadi dasar bagi hasil bulan
bersangkutan.
Penyaluran Dana Kepada Nasabah Pembiayaan Inti Dan
Penyimpanan Dana Oleh Deposan Inti
• Penyaluran Dana kepada Nasabah Pembiayaan
(Debitur) Inti
No
Debitur Inti / Largest Customers
NamaName
Kualitas Pembiayaan
Financing Quality
Murabahah Margin Mudharabah
Rupiah Valas Rupiah Valas Rupiah Valas
1 PT. Alif Finance 1 0 0 0 0 264.766.966.667,17 0
2PT. Mitra Karsa Cipta Solusi
1 0 0 0 0 0 260.085.000.000
3 PT. MNC Finance 1 0 0 0 0 184.303.143.838,50 0
4 PT. Layan Mitra 1 0 0 0 0 99.179.420.484,00 0
5 PT. Titipan Mas 1 0 0 0 0 82.000.000.000,00 0
6 PT. SMART Finance 1 0 0 0 0 44.986.111.111,11 0
7PT. Sumber Gunung Maju
1 0 0 0 0 20.000.000.000,00 0
8 Hendrik Gary Lyanto 1 0 0 0 0 17.000.000.000,00 0
9PT. Vasham Kosa Sejahtera
1 0 0 0 0 16.319.669.732,56 0
10Trias Mitra Jaya Manunggal
1 10.786.436.614,95 0 1.759.944.232,54 0 0 0
11PT. Batu Gunung Makmur
1 0 0 0 0 10.000.000.000,00 0
UNIT USAHA SYARIAHSharia Business Units
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 199
• LargestFundsDepositCustomers
UNIT USAHA SYARIAHSharia Business Units
No
Debitur Inti / Largest Customers
NamaName
Kualitas Pembiayaan
Financing Quality
Murabahah Margin Mudharabah
Rupiah Valas Rupiah Valas Rupiah Valas
12PT. Batu Sampurna Makmur
1 0 0 0 0 10.000.000.000,00 0
13Dian Anugrah Pratama
1 0 0 0 0 8.314.369.043,00 0
14PT. Indo Crane Pratama
1 9.082.317.855,00 0 1.043.055.057,00 0 83.333.333,66 0
15 Koperasi Bayik 1 314.516.818,00 0 49.142.077.00 0 7.766.666.666,74 0
Total 20.183.271.287.95 0 2.852.141.366.54 0 764.539.680876.74 260.085.000.000
• Penyimpanan Dana oleh Deposan Inti
NoNamaName
NPwP Cabang No. CIFMurabahah Margin Mudharabah
TotalRupiah Valas Rupiah Valas Rupiah Valas
1VISI MEDIA ASIA TBK
024336885054000 ID0020002 9.900.052.344 0 0 0 0 0 260.085.000.000 260.085.000.000
2ASURANSI JIWA SINARMAS MSIG
013911508026000 ID0020002 9.900.004.629 21.546.599.753,46 0 0.00 0 50.000.000.000 0 71.546.599.753,46
3 SIMAS SATU 019809177021000 ID0020002 9.900.006.660 0 0 0 0 60.000.000.000 0 60.000.000.000
4DANAMAS STABIL
023411473054000 ID0020002 9.900.006.891 0 0 0 0 55.000.000.000 0 55.000.000.000
5REKSA DANA SERUNI PASA UANG V
0 ID0020002 9.900.060.598 0 0 0 0 52.100.000.000 0 52.100.000.000
6DANA PENSIUN BANK CENTRAL ASIA
017107905062000 ID0020002 9.900.009.057 0 0 0 0 33.000.000.000 0 33.000.000.000
7REKSADANA DANAMAS FLEKSI
0 ID0020002 9.900.001.885 0 0 0 0 30.000.000.000 0 30.000.000.000
8AJB BUMIPUTERA 1912
013085378062000 ID0020002 9.900.000.840 0 0 0 0 28.500.000.000 0 28.500.000.000
9PRASETIYA MULYA
010317406100011461 ID0020002 9.900.007.054 1.768.774.747,42 0 0 0 23.200.000.000 0 24.968.774.747,42
10TJAN WIWING TJANDRAWATI
0 ID0020027 9.900.052.694 0 0 7.943.346,72 0 23.000.000.000 0 23.007.943.346,72
11REKSADANA SIMAS SYARIAH UNGGULAN
0 ID0020002 9.900.057.357 0 0 0 0 23.000.000.000 0 23.000.000.000
12REKSADANA BNI AM DANA LANCAR SYAR
03306341014000 ID0020002 9.900.059.269 0 0 0 0 21.300.000.000 0 21.300.000.000
13DANA PENSIUN POS INDONESIA
014765036441000 ID0020009 9.900.059.021 0 0 0 0 20.750.000.000 0 20.750.000.000
14DPLK MUAMALAT
018240457022000 ID0020002 9.900.007.157 0 0 0 0 19.000.000.000 0 19.000.000.000
15WIN WIN REALTY CENTRE
019793231631000 ID0020007 9.900.046.026 0 0 0 0 18.000.000.000 0 18.000.000.000
16ASURANSI SINAR MAS
013911490073000 ID0020002 9.900.001.881 1.038.589.364,96 0 0 0 13.250.000.000 0 14.288.589.364,96
17 MIHARTI 0 ID0020024 9.900.039.453 0 0 451.722.505,18 0 12.500.000.000 0 12.951.722.505,18
18PINDO DELI PULP PAPER MILLS
0 ID0020002 9.900.006.994 7.526.796,45 1.120.241.579,80 0 0 10.000.000.000 0 11.127.768.376,25
19REKSA DANA SIMAS SAHAM UNGGULAN
0 ID0020002 9.900.004.591 0 0 0 0 11.000.000.000 0 11.000.000.000
20RD DANAREKSA GEBYAR DANA LIKUID
0 ID0020002 9.900.060.476 0 0 0 0 10.500.000.000 0 10.500.000.000
21RD DANAREKSA SERUNI PASAR UANG III
0 ID0020002 9.900.060.475 0 0 0 0 10.200.000.000 0 10.200.000.000
22AL IJARAH INDONESIA FINANCE
025051426022000 ID0020002 9.900.000.222 3.191.743.675.51 0 0 0 7.000.000.000 0 10.191.743.675,51
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014200
FINANCIAL PERFORMANCEDuring 2014, Sharia Business Unit (UUS) recorded another
significant growth. Bank operating revenue grew by 132.87%
to Rp293 billion in 2014, compared to the previous year
amounted to Rp126 billion. Third party fund grew by 128.16%
to Rp1,431 billion in 2014, compared to the previous year
amounted to Rp627 billion.
Balance Sheet
(In million Rupiah)
Earning Assets
(In million Rupiah)
Granted Financing Based on Economic Sectors
(In million Rupiah)
NoNamaName
NPwP Cabang No. CIFMurabahah Margin Mudharabah
TotalRupiah Valas Rupiah Valas Rupiah Valas
23DANA PENSIUN SMART
016445058044000 ID0020002 9.900.049.105 0 0 0 0 10.000.000.000 0 10.000.000.000
24 JELY SUNJOTO 0 ID0020007 9.900.046.671 0 0 0 0 10.000.000.000 0 10.000.000.000
25
REKSA DANA MANDIRI KAPTAL SYARIAH I
0 ID0020002 9.900.060.365 0 0 0 0 10.000.000.000 0 10.000.000.000
KINERJA KEuANGANPada 2014, Unit Usaha Syariah (UUS) kembali mencatatkan
pertumbuhan signifikan. Pendapatan operasional Bank tumbuh
132, 87% menjadi Rp293 miliar pada 2014, dibanding tahun
sebelumnya sebesar Rp126 miliar. Dana pihak ketiga tumbuh
128,16% menjadi Rp1.431 miliar pada 2014, dibanding tahun
sebelumnya sebesar Rp627 miliar.
Neraca
(Dalam juta Rupiah)
Keterangan 2013 2014
Jumlah Aktiva / Total Assets 1.271.209 1.973.094
Aktiva Produktif / Earning Assets 1.229.095 1.891.031
Dana Pihak Ketiga / Third Party Fund 627.590 1.431.837
Aset Produktif
(Dalam juta Rupiah)
Keterangan 2013 2014
Giro Wadiah / Current Accounts - Wadiah 19.800 7.745
FASBIS 1.500 2.000
Penempatan pada Bank Lain / Placements with Other Banks 2.733 2.425
Surat Berharga / Securities 105.552 56.572
Pembiayaan yang Diberikan / Granted Financing 1.099.510 1.820.274
Jumlah / Total 1.229.095 1.930.720
Cadangan PPAP / Allowance for Impairment Losses 12.286 34.578
Pembiayaan yang Diberikan Berdasarkan Sektor Ekonomi
(Dalam juta Rupiah)
Keterangan 2013 2014
Pertambangan / Mining 7.422 0
Konstruksi / Construction 11.410 683.154
Jasa dunia usaha / Business Services 2.379 605.965
UNIT USAHA SYARIAHSharia Business Units
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 201
Substantial Financial Ratio
(In million Rupiah)
UNIT USAHA SYARIAHSharia Business Units
Keterangan 2013 2014
Jasa sosial masyarakat / Social Services 2.138 6.230
Lain - lain / Others 1.076.161 527.350
Jumlah / Total 1.099.510 1.822.699
Rasio Keuangan Penting
(Dalam juta Rupiah)
Rasio / Ratio 2013 2014
Permodalan / Equity
1. Pemenuhan Modal Minimum / Capital Adeque Ratio (CAR) 28,76% 19,42%
2. Aset Tetap Terhadap Modal / Fixed to Total Equity 10,96% 1,06%
Aset Produktif / Earnings Assets
1. Kredit Bermasalah (NPL) - Bruto / Non-Performing Loans (NPL) - Gross 1,18% 2,45%
2. Kredit Bermasalah (NPL) - Netto / Non-Performing Loans - Net 0,04% 2,01%
Rentabilitas / Profitability
1. Laba terhadap Total Aset / Return On Assets (ROA) 5,54% 2,26%
2. Laba terhadap Ekuitas / Return on Equity (ROE) 19,07 10,64
3. Marjin Operasional Bersih / Net Core Operation Margin NCOM) 10,72% 9,66%
4. Biaya Operasional / Pendapatan Operasional (BOPO) / Operational Expenses / Operational Income
51,68% 78,61%
Likuiditas / Liquidity
Pembiayaan terhadap Dana yang Dihimpun / Financing to Deposit Ratio (LDR) 175,20% 127,30$
Kepatuhan / Compliance
1. Persentase Pelanggaran BMPK / Percentage of Legal Lending Limit Violation
a. Pihak Terkait / Related Parties Nil Nil
b. Pihak Tidak Terkait / Non Related Parties Nil Nil
2. Persentase Pelampauan BMPK / Percentage of Legal Lending Limit Excesses
a. Pihak Terkait / Related Parties Nil Nil
b. Pihak Tidak Terkait / Non Related Parties Nil Nil
3. Giro Wajib Minimum (Rupiah) / Minimum Balance with Bank Indonesia (Rupiah) 0,36% 5,43%
4. Posisi Devisa Netto / Net Open Position Nil Nil
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014202
Income Statement
(In million Rupiah)
Composition of Receivables and Financing Based on
Collectability
(In million Rupiah)
Assets
(In million Rupiah)
Perhitungan Rugi Laba
(Dalam juta Rupiah)
Keterangan / Description 2013 2014
Pendapatan Bunga Bersih / Net Interest Revenues 99.308 256.502
Pendapatan di Luar Bunga / Non Interest Revenues 26.803 36.038
Pendapatan Operasional / Operating Revenues 126.111 292.540
Beban Operasional / Operating Expenses 76.`727 237.943
Laba Sebelum Pajak / Income Before Tax 53.022 31.477
Laba Bersih / Net Income 53.022 31.477
Kompisisi Piutang dan Pembiayaan Berdasarkan
Kolektibilitas
(Dalam juta Rupiah)
Keterangan / Description 2013 2014
Lancar / Current 1.065.373 1.417.349
Perhatian Khusus / Special Mention 21.210 360.631
Kurang Lancar / Sub Standard 8.543 9.781
Diragukan / Doubtful 1.210 11.352
Macet / Loss 3.173 23.587
Jumlah / Total 1.099.510 1.822.700
Cadangan PPAP / Allowance for Impairment Losses 11.902 34.578
Jumlah Piutang dan Pembiayaan Bersih / Total Receivables and Net Financing 1.087.608 1.788.022
Aset
(Dalam juta Rupiah)
Keterangan / Description
2013 2014
JumlahTotal
Persentasi Aset terhadap
Total Kewajiban
Assets to Total Liabilities
Percentage
JumlahTotal
Persentasi Aset terhadap
Total Kewajiban
Assets to Total Liabilities
Percentage
Penempatan pada Bank Lain 2.733 0,42% 2.425 0,15%
Efek-efek 105.552 16,18% 56.572 3,52%
Piutang & Pembiayaan 994.953 152,51% 1.725.306 107,24%
Biaya dibayar dimuka 12.776 1,96% 25.398 1,58%
Obyek Aset Ijarah 104.557 16,03% 94.968 5,90%
UNIT USAHA SYARIAHSharia Business Units
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 203
Liabilities
(In million Rupiah)
Third Party Fund
(In million Rupiah)
IMPLEMENTATION OF GOOD CORPORATE GOVERNANCEThe implementation of Good Corporate Governance (GCG) in
Islamic Banking Industry has to be in accordance with sharia
compliance, as an effort to protect the interest of stakeholders
and to improve compliance with legislation and applicable
regulations as well as with general ethical values of Islamic
Banking Industry.
PT. Bank Sinarmas Tbk. - Sharia Business Unit (UUS) has been
in operation since November 18, 2009 until today, and always
strive to be committed and consistent in the implementation of
GCG in daily operational activities.
In accordance with Bank Indonesia Regulation (PBI) No. 11/33/
PBI/2009 dated December 7, 2009, on the implementation of
Good Corporate Governance (GCG) for Islamic Commercial
Banks and Sharia Business Unit and with Circular Letter
(SE) No. 12/13/DPbS dated April 30, 2010 in Jakarta on the
Kewajiban
(Dalam juta Rupiah)
Keterangan / Description 2013 2014
Giro / Demand Deposits 44.187 51.940
Kewajiban segera lainnya / Other Immediate Liabilities 1.331 4.302
Tabungan / Savings Deposits 49.451 136.915
Deposito Berjangka / Time Deposits 533.945 1.242.981
Simpanan dari Bank Lain / Deposits from Other Banks 7 156.910
Taksiran Pajak Penghasilan / Provision for Income Taxes 11.116 7.672
Kewajiban lain-lain / Other Liabilities 12.355 348.568
Jumlah / Total 652.392 1.941.166
Dana Pihak Ketiga
(Dalam juta Rupiah)
Keterangan / Description 2013 2014
Giro / Demand Deposits 44,187 51.940
Tabungan / Saving Deposits 49,451 136.915
Deposito Berjangka / Time Deposit 533.945 1.242.981
Jumlah / Total 627,583 1.431.836
Rata-rata Biaya Dana / Average Cost of Fund 6,69% 7,11%
TATA KELOLA PERuSAhAAN
Pelaksanaan Good Corporate Governance (GCG) dalam
Industri Perbankan Syariah harus memenuhi prinsip syariah
(sharia compliance), karena merupakan salah satu upaya untuk
melindungi kepentingan Stakeholders dan meningkatkan
kepatuhan terhadap peraturan perundang-undangan yang
berlaku serta nilai-nilai etika yang berlaku secara umum pada
Industri Perbankan Syariah.
PT. Bank Sinarmas Tbk. - Unit Usaha Syariah (UUS) telah
beroperasi sejak 18 November 2009 hingga saat ini, terus
berupaya untuk selalu berkomitmen dan konsisten dalam
pelaksanaan GCG dalam operasional sehari-harinya.
Sesuai dengan Peraturan Bank Indonesia (PBI) No. 11/33/
PBI/2009 tertanggal 7 Desember 2009 tentang Pelaksanaan
Good Corporate Governance (GCG) bagi Bank Umum Syariah
dan Unit Usaha Syariah dan Surat Edaran (SE) No. 12/13/DPbS
tertanggal Jakarta, 30 April 2010 tentang Pelaksanaan Good
UNIT USAHA SYARIAHSharia Business Units
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014204
Corporate Governance (GCG) bagi Bank Umum Syariah dan
Unit Usaha Syariah beserta Lampirannya menjelaskan bahwa
pelaksanaan GCG pada Perbankan Syariah harus berlandaskan
pada 5 (lima) prinsip-prinsip, yaitu:
1. Transparansi (Transparency), yaitu keterbukaan dalam
mengemukakan informasi yang material dan relevan dalam
proses pengambilan keputusan.
2. Akuntabilitas (Accountability), yaitu kejelasan fungsi dan
pelaksanaan pertanggungjawaban organ bank sehingga
pengelolaan berjalan efektif.
3. Pertanggungjawaban (Responsibility), yaitu kesesuaian
pengelolaan Bank dengan peraturan perundang-undangan
yang berlaku dan prinsip-prinsip pengelolaan bank yang
sehat.
4. Profesional (Professional), yaitu memilki kompetensi,
mampu bertindak objektif, dan bebas dari pengaruh atau
tekanan dari pihak manapun (independen) serta memiliki
komitmen yang tinggi untuk mengembangkan Bank
Syariah.
5. Kewajaran (Fairness), yaitu keadilan dan kesetaraan dalam
memenuhi hak-hak Stakeholders berdasarkan perjanjian
dan peraturan perundang-undangan yang berlaku.
Sesuai PBI tersebut, pelaksanaan GCG bagi UUS paling kurang
harus diwujudkan dalam hal-hal berikut:
1. Pelaksanaan tugas dan tanggung jawab Direktur UUS
2. Pelaksanaan tugas dan tanggung jawab DPS
3. Pelaksanaan prinsip syariah dalam kegiatan penghimpunan
dana dan penyaluran dana serta pelayanan jasa
4. Penyaluran dana kepada nasabah pembiayaan inti dan
penyimpanan dana oleh deposan inti
5. Transparansi kondisi keuangan dan non keuangan UUS,
laporan pelaksanaan GCG serta pelaporan internal.
Tata kelola perusahaan merupakan pondasi dari bisnis yang
transparan, sehat dan beretika. PT. Bank Sinarmas Tbk. - UUS
yakin dengan adanya penerapan GCG secara konsisten, akan
memperkuat daya saing perusahaan dan mengefektifkan
pengelolaan sumber daya sehingga dalam jangka panjang
UUS dapat terus beroperasi dan tumbuh secara berkelanjutan.
Berangkat dari keyakinan tersebut, penerapan GCG merupakan
UNIT USAHA SYARIAHSharia Business Units
implementation of Good Corporate Governance (GCG) for
Islamic Commercial Banks and Sharia Business Unit along with
its attachments describes that the implementation of GCG for
Islamic Banking Industry should be in accordance with the 5
(five) principles namely:
1. Transparency, means the openness in providing material
and relevant information in the decision-making process.
2. Accountability, means the clarity of function and
responsibilities bank organs for an effective management.
3. Responsibility, means the conformity between Bank
management and applicable legislation and the principles
of healthy bank management.
4. Professional, means having competence, able to act
objectively, and free from influence or pressure from any
(independent) party as well as having strong commitment
to develop an Islamic Bank.
5. Fairness, means integrity and equality in fulfilling the rights
of stakeholders based on agreements and applicable
legislation.
In accordance with the above regulation, the implementation
of GCG for UUS should at least be realized in some aspects as
stated below:
1. The execution of duties and responsibilities of Director of
UUS
2. The execution of duties and responsibilities of DPS
3. The implementation of sharia principles in the activity of
fund raising, distribution of funds and services
4. The distribution of funds to the core financing customers
and the deposit of funds by core depositors
5. The transparency of financial and non-financial conditions
of UUS, GCG implementation report and internal reporting
Good Corporate Governance is a foundation of a transparent,
healthy, and ethical business. PT. Bank Sinarmas Tbk. - Sharia
Business Unit believes that a consistent implementation of GCG
will strengthen the competitiveness of the company and will
make effective the management of resources so that UUS can
to operate and grow in a sustainable manner. From that belief,
the implementation of GCG becomes the commitment of UUS
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 205
UNIT USAHA SYARIAHSharia Business Units
komitmen UUS dalam mempertahankan kepercayaan nasabah,
pemegang saham, mitra bisnis dan pemangku kepentingan
lainnya.
Dengan menerapkan prinsip-prinsip GCG pada industri
perbankan syariah, diharapkan pengelolaan bank dapat
dilakukan secara profesional, transparan dan efisien, serta
seluruh keputusan yang diambil dilandasi oleh nilai moral yang
tinggi dan kepatuhan terhadap prinsip syariah dan peraturan
perundang-undangan yang berlaku. Sejalan dengan terbitnya
ketentuan tentang penerapan GCG pada industri keuangan
syariah, maka penerapan GCG pada UUS dilakukan antara lain
sebagai berikut:
1. Penetapan Visi, Misi dan Nilai Budaya PT. Bank SinarmasTbk.
- UUS
2. Penetapan tujuan strategis jangka panjang yang dituangkan
dalam Rencana Bisnis Bank
3. Pelaksanaan penilaian (self Assessment) pelaksanaan GCG
oleh PT. Bank SinarmasTbk. - UUS
4. Pelaksanaan pelatihan internal dan eksternal kepada
karyawan PT. Bank SinarmasTbk. - UUS dengan melibatkan
berbagai instansi pendidikan dan pelatihan yang
berpengalaman
Dalam pelaksanaan GCG pada industri perbankan syariah
selain dari ke 5 (lima) dasar di atas juga harus memenuhi Prinsip
Syariah (sharia principle) yang diatur dalam Ketentuan Fatwa
Majelis Ulama Indonesia (MUI). Apabila terjadi ketidaksesuaian
tata kelola Bank dengan prinsip syariah, akan berpotensi
menimbulkan berbagai risiko terutama risiko reputasi bagi
industri perbankan syariah.
Perbedaan yang mendasar pada pelaksanaan GCG pada
perbankan konvensional (Bank Umum) dengan perbankan
syariah tidak hanya dimaksudkan untuk memperoleh
pengelolaan bank yang sesuai dengan 5 (lima) prinsip dasar dan
sesuai dengan prinsip syariah saja, akan tetapi juga pelaksanaan
GCG pada perbankan syariah ditujukan untuk kepentingan
yang lebih luas. Kepentingan yang dimaksud antara lain untuk
melindungi kepentingan Stakeholders dan meningkatkan
kepatuhan terhadap peraturan perundang-undangan yang
berlaku serta nilai-nilai etika yang berlaku secara umum pada
industri perbankan syariah.
in maintaining the trust of customers, shareholders, business
partners and other stakeholders.
By implementing the principles of GCG to Islamic banking
industry, it is expected that the management of bank can be
conducted in a professional, transparent and efficient manner,
and all of decisions taken to be based on a high moral value
and on the compliance to the sharia principles and to the
applicable legislation. Along with the issuance of regulations
on the implementation of GCG to Islamic banking industry,
therefore the implementation of GCG on Sharia Business Units
are being carried out by:
1. Establishing Vision, Mission and Cultural Value of PT. Bank
Sinarmas Tbk. - Sharia Business Unit
2. Establishing long-term strategic goals as outlined in the
Bank Business Plan
3. Conducting the practice of self assessment on the
implementation of GCG by PT. Bank Sinarmas Tbk. - Sharia
Business Unit
4. Conducting internal and extrernal trainings for the
employees of PT. Bank Sinarmas Tbk. - Sharia Business
Unit involving various experienced education and training
institutions
In the implementation of GCG to Islamic banking industry,
other than the 5 (five) principles stated above, it is also
necessary to comply with sharia principles regulated in the Law
of Indonesian Ulema Council (MUI). If there are any discrepancy
between the bank management and the sharia principles, it
will potentially raise various risks, especially reputational risk of
Islamic banking industry.
Fundamental difference between the implementation of
GCG in conventional banking (Commercial Bank) and in
Islamic banking does not only intended to find a type of bank
management in accordance with the 5 (five) basic principles and
with the sharia principles, however the implementation of GCG
in Islamic banking is also intended for broader concerns. In this
case, the concerns are to protect the interests of stakeholders
and to improve compliance with applicable legislation and with
general ethical values to the Islamic banking industry.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014206
Sebagai gambaran pada industri perbankan syariah, prinsip
ekonomi yang dianut adalah Prinsip Ekonomi Syariah yang
diantaranya mencakup seperti yang dijelaskan di bawah ini:
KEMASLAhATAN / wELFARE
ADIL / FAIRNESS
MENGhINDARI KEGIATAN YANG MERuSAK / AVOID DAMAGING ACTIVITIES• Produktif / Productive
• Tidak spekulatif / Not speculative• Efektif, efisien, berkelanjutan dalam
penggunaan sumber daya / Effective, efficient, and sustainable use of resources
• Akses yang sebesar-besarnya bagi masyarakat untuk memperoleh sumber daya / Maximum access for the public to obtain resources
• Transparan dan jujur / Transparent and honest
• Transanksi yang fair (adil), tidak boleh ada pemerasan / Fair transactions, without extortion
• Persaingan yang sehat / Healthy competition
• Kontrak yang adil / Fair contracts
• Larangan produk dan jasa yang merugikan dan berbahaya / Prohibition of harmful and dangerous products and services
• Larangan proses yang berbahaya / Prohibition of dangerous process
• Tidak menggunakan sumber daya illegal dan secara tidak adil / Not using illegal sources and not using sources unfairly
Prinsip Pokok Ekonomi Syariah
Sebagai wujud komitmen PT. Bank SinarmasTbk. - UUS dalam
melaksanakan GCG, maka kami penuhi kewajiban untuk
menyampaikan laporan GCG kepada Bank Indonesia (BI), yang
sesuai dengan ketentuan yang berlaku.
Kesimpulan umum hasil Self Assessment
Kami telah melalukan penilaian self Assessment pelaksanaan
GCG tahun 2014, yang mencakup hal-hal sebagaimana diatur
dalam PBI tentang pelaksanaan GCG bagi BUS dan UUS.
Peringkat komposit hasil penilaian self Assessment pelaksanaan
GCG di Bank Sinarmas-Unit Usaha Syariah adalah 1.35 atau
menunjukkan bahwa pelaksanaan GCG memiliki predikat
“Tata Kelola Sangat Baik”.
UNIT USAHA SYARIAHSharia Business Units
The economic principle adopted by Islamic bank industry is
the Islamic Economics Principles that includes some of matters
listed below:
Basic Principle of Islamic Economic System
Regarding the commitment of PT. Bank Sinarmas Tbk. -
Sharia Business Unit to implement GCG, we have fulfilled the
obligation of submitting our GCG report to Bank Indonesia (BI),
in accordance with the applicable regulations.
General Conclusion on Self-Assessment Results
We have conducted self assessment on the implementation of
GCG in 2014, including matters regulated in Bank Indonesia
Regulations regarding the implementation of GCG for BUS
and UUS. The composite rating of self assessment results on
the implementation of GCG in Bank Sinarmas-Sharia Business
Unit is 1.35, indicating the predicate of “Very Good Corporate
Governance”.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 207
• Rating Assessment on each Factors including its
Composite Value and Predicate
UNIT USAHA SYARIAHSharia Business Units
• Penilaian Peringkat masing - masing Faktor serta Nilai
Komposit dan Predikatnya
No Faktor / FactorPeringkat / Rating (a)
Bobot / Weight (b)
Nilai / Value (a)x(b)
Catatan / Note
1
Pelaksanaan tugas dan tanggung jawab Direktur UUS / Implementation of duties and responsibilities of Director of Sharia Business Unit
1 35% 0.35
Direktur UUS telah lulus uji kemampuan dan kepatutan Bank Indonesia. / Director of Sharia Business Unit has passed the fit and proper test of Bank Indonesia
2
Pelaksanaan tugas dan tanggung jawab DPS / Implementation of duties and responsibilities of Sharia Supervisory Board
1 20% 0.20
DPS telah melaksanakan tugas dan tanggung jawab sesuai dengan ketentuan yang berlaku. / The Sharia Supervisory Board has carried out duties and responsibilities in accordance with the applicable regulations
3
Pelaksanaan prinsip syariah dalam kegiatan penghimpunan dana, penyaluran dana, dan pelayanan jasa. / Implementation of sharia principles in the activity of fund raising, distribution of funds and services.
1 10% 0.10
Produk yang ditawarkan oleh UUS kepada Nasabahnya baik produk penghimpunan dan penyaluran dana serta pelayanan jasa selalu dilengkapi dengan Opini Pandangan Syariah DPS dan telah sesuai dengan Fatwa dari Dewan Syariah Nasional - Majelis Ulama Indonesia. / Products offered by UUS to its Customers both products of fund raising and distribution of funds and products of services are always comes with the DPS Opinion on Sharia and are in accordance with the Law of National Sharia Board - Indonesian Ulema Council.
4
Penyaluran dana kepada nasabah pembiayaan inti dan penyimpanan dana oleh deposan inti. / Distribution of funds to the core financing customers and the deposit of funds by core depositors.
2 10% 0.20
UUS telah memiliki pedoman kebijakan dan prosedur tertulis tentang penyaluran dana kepada nasabah inti tetapi belum melakukan kaji ulang secara periodik. / The UUS has established written guidelines of policies and procedures concerning the distribution of funds to the core customers but has not conducted a periodic review.
5
Transparansi kondisi keuangan, laporan pelaksanaan GCG dan pelaporan internal. / Transparency of financial condition, GCG implementation report and internal reporting.
2 25% 0.50
Penyaluran dana masih terdapat beberapa kesalahan minor / There are still some minor errors in the distribution of funds
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014208
Classification of composite rating as described in the following
table:
• DescriptionofGCGImplementation
Of several factors assessed, we can describe the strengths
and weaknesses and also the follow-up plan of GCG
implementation, as follows:
a. Strengths of GCG Implementation
Strengths of GCG implementation in USS lies in the
commitment of Direcctor of Sharia Business Unit who
implements GCG in every business activity of the Bank.
Good coordination from each line of Sharia Business
Unit. Understanding, awareness and commitment are
well constructed from all levels in all range of Sharia
Business Unit. In order to do so, the Bank has:
1. Members of the Board of Commissioners and the
Board of Directors to fulfill business complexity that
is appropriate and is in compliance with applicable
regulations.
No Faktor / FactorPeringkat / Rating (a)
Bobot / Weight (b)
Nilai / Value (a)x(b)
Catatan / Note
Nilai Komposit / Composite Value
100% 1.35
Sistem Informasi Manajemen dalam UUS kedepannya perlu dikembangkan lagi karena pada tahun 2014 ini hanya mengalami sedikit peningkatan. / Management Information System of UUS has to be further developed because it was only increased slightly in 2014.
Predikat / Predicate: Baik / Good
Klasifikasi peringkat komposit sebagaimana tabel berikut:
Nilai Komposit / Composite Value Predikat / Predicate
Nilai Komposit < 1.5 /Composite Value < 1.5
Sangat Baik /Very Good
1.5 ≤ Nilai Komposit < 2.5 /1.5 ≤ Composite Value < 2.5
Baik /Good
2.5 ≤ Nilai Komposit < 3.5 /2.5 ≤ Composite Value < 3.5
Cukup Baik /Quite Good
3.5 ≤ Nilai Komposit < 4.5 /3.5 ≤ Composite Value < 4.5
Kurang Baik /Not Good
4.5 ≤ Nilai Komposit < 5 /4.5 ≤ Composite Value < 5
Tidak Baik Poor
• uraian Pelaksanaan GCG
Dari 5 (lima) faktor yang dinilai dapat kami uraikan kekuatan
dan kelemahan serta rencana tindak lanjut pelaksanaan
GCG, sebagai berikut :
a. Kekuatan Pelaksanaan GCG
Kekuatan pelaksanaan GCG di UUS terletak pada
komitmen dari Direktur Unit Usaha Syariah yang
menerapkan GCG pada setiap kegiatan usaha Bank.
Adanya koordinasi yang baik dari setiap lini di Unit
Usaha Syariah. Pemahaman, kepedulian dan komitmen
yang dibangun dengan baik dari setiap tingkatan pada
semua jajaran di Unit Usaha Syariah, untuk mendukung
hal tersebut agar tetap berjalan dengan baik Bank telah
memiliki:
1. Anggota Dewan Komisaris dan Direksi pada
pemenuhan kompleksitas usaha sudah sesuai dan
telah memenuhi ketentuan yang berlaku.
UNIT USAHA SYARIAHSharia Business Units
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 209
2. Rekomendasi Komite-Komite, sangat bermanfaat
dan dapat dipergunakan sebagai bahan acuan
keputusan Direktur.
3. Program-program training dan sosialisasi oleh Unit
Usaha Syariah bekerja sama dengan Satuan Kerja
terkait dan lembaga-lembaga pendidikan terkait
guna membangun bisnis-bisnis baru ke depannya.
4. Bertanggung jawab atas ketersediaan data dan
informasi terkait dengan pemenuhan Prinsip Syariah
secara akurat, relevan dan tepat waktu kepada DPS.
5. Menerima dan menindaklanjuti Laporan Hasil
Pengawasan DPS setiap semesteran yang berisi
laporan pelaksanaan atas kesesuaian produk dan
jasa Bank dengan fatwa DSN dan opini Syariah atas
pedoman operasional dan produk yang dikeluarkan
oleh UUS.
b. Kelemahan Pelaksanaan GCG
Kelemahan yang besar belum terdapat pada UUS
dalam pelaksanaan GCG. Namun diperlukan koordinasi
yang baik antara UUS dan BUK sebagai induknya agar
pelaksanaan GCG dapat berjalan dengan baik. Selain
dari pada itu terbatasnya sumber daya manusia pada
Unit Usaha Syariah dan Kantor Cabang Syariah menjadi
salah satu kelemahan namun masih bisa diatasi dengan
upaya-upaya sebagai berikut:
1. Meningkatkan keterampilan sumber daya manusia
terhadap bisnis-bisnis baru yang akan dijalankan
kedepannya bagi para SDM nya.
2. Menjaga kepatuhan terhadap Peraturan Bank
Indonesia, Peraturan Otoritas Jasa Keuangan dan
peraturan perundang-undangan yang berlaku.
3. Peningkatan Sistem Informasi Manajemen yang
masih perlu ditingkatkan lagi secara signifikan.
4. Mengimplementasikan pengendalian internal yang
efektif dan bisa bekerjasama dengan satuan kerja
terkait yang memberikan informasi yang rutin untuk
dikantor pusat maupun di cabang.
Adapun upaya-upaya tersebut diharapkan dapat
meningkatkan kualitas sumber daya manusia dan
menciptakan fungsi kepatuhan yang efektif sebagai
bagian dari kebijakan kepatuhan Bank secara
keseluruhan serta keakuratan informasi keuangan
dan non keuangan yang disajikan.
UNIT USAHA SYARIAHSharia Business Units
2. Committee Recommendations that are highly useful
and can be used as reference for Director’s decision.
3. Training programs and socialization by the Sharia
Business Unit in collaboration with related work
units and related educational institutions in order to
establish new businesses in the future.
4. To be responsible for the availability of data and
information related to the accurate, relevant and
on-time fulfillment of Sharia Principles to the DPS.
5. To receive and to follow up on DPS Supervision
Results Report on each semester containing reports
on the implementation on appropriateness of
products and services of the Bank with DSN Law
and Sharia opinion on operational and products
guidelines issued by UUS.
b. weaknesses of GCG Implementation
Great weaknesses that have not been found in UUS on GCG
implementation. However, it requires coordination between
UUS and BUK as its main Bank so that the implementation
of GCG can be executed well. Apart from that, the limited
human resources in Sharia Business Unit and Sharia Branch
Offices became one of the weaknesses that still can be
overcome with the following measures:
1. Improving the skills of human capital to run new
businesses in the future
2. Maintaining compliance with Bank Indonesia
Regulation, Financial Services Authority Regulation and
with applicable legislation.
3. Improving Management Information System in need to
be improved significantly.
4. Implementing an effective internal control and
cooperating with relevant work units that provide
regular information to the main office and to the branch
offices.
Such efforts are expected to improve the quality of human
capital and to create an effective compliance function as part
of the overall policy of the Bank’s compliance and the accuracy
of financial and non-financial information that is presented.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014210
c. Improvement Measures and Target Execution Timec. Langkah Perbaikan beserta Target waktu
Pelaksanaannya
NoAspek Aspects
Tindak Lanjut Follow-Up
waktu Penyelesaian
Completion Time
1Pengembangan Kualitas SDM baik di cabang maupun kantor pusat.
• Pengembanganorganisasiyangefisiendanefektif.• PerencanaanpenyediaanSumberDayaInsani(SDI)/
(Manpower Planning - MPP) sesuai pengembangan organisasi Bank.
• PerencanaandanpengembanganSDImelaluipelatihan dan pendidikan berkesinambungan di seluruh lini organisasi.
• PerencanaanJenjangKarir(CareerPath)yangberbasiskan pada Kompetensi dan Kinerja.
Akan dilakukan secara aktif
Sepanjang Tahun 2015
Development of the Quality of human capital both in branch offices and in main office.
• Anefficientandeffectivedevelopmentoftheorganization
• Manpowerplanningthatisinaccordancetothedevelopment of Bank organization.
• Manpowerplanninganddevelopmentthroughsustainable training and education in all lines of organization.
• CareerPathPlanningbasedonCompetencyandPerformance.
Will be actively implemented
throughout 2015
2
Peningkatan Pelayanan terhadap Perbankan Syariah untuk memberikan pelayanan yang sebaik-baiknya.
Adanya penambahan kantor pada tahun 2014 ini maka pelayanan akan terus ditingkatkan sebaik-baiknya.
Sepanjang tahun 2015
Improvement of Islamic Banking Services to provide the best possible service
The adding of offices in 2014 to improve service Throughout 2015
3 Rencana Strategis BankMembuat rencana jangka pendek, dan jangka menengah yang tercantum di dalam RBB 2015 UUS.
Sepanjang tahun 2015
Bank Strategic PlanTo formulate short-term and medium-term plans listed in RBB 2015 UUS.
Throughout 2015
4 Fungsi pengawasan DPS
DPS lebih meningkatkan pengawasan terhadap UUS sehingga dapat berjalan sesuai dengan prinsip syariah dan tidak ada lagi pelanggaran yang bertentangan dengan prinsip syariah.
Sepanjang tahun 2015
DPS Supervision FunctionDPS to improve supervision on UUS to maintain compliance with sharia principles and to ensure there are no violations on sharia principles.
Throughout 2015
5Kebijakan, sistem dan prosedur kerja
• Melakukanreview secara berkala mengenai kebijakan, sistem, dan prosedur kerja yang pada tahun 2014 belum adanya progress terhadap kebijakan system dan prosedur yang ada pada Unit Usaha Syariah.
• Memastikanbahwasemuaperaturan-peraturanintern seperti KDPK dan sebagainya selalu up to date sesuai dengan perkembangan peraturan ekstern yang berlaku dan kegiatan usaha yang selalu berkembang.
Sepanjang tahun 2015
UNIT USAHA SYARIAHSharia Business Units
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 211
d. Realization of Improvement Measures and Completion
Constraints
NoAspek Aspects
Tindak Lanjut Follow-Up
waktu Penyelesaian
Completion Time
Policies, Systems and Operational Procedures
• Toreviewpolicies,systems,andoperationalprocedures in which there has been no progress in 2014.
• ToensureallinternalregulationssuchasKDPKareup to date with the development of the applicable external regulations and with the developing business activity.
Throughout 2015
d. Realisasi Pelaksanaan Langkah Perbaikan dan
Kendala Penyelesaiannya
NoAspek Aspects
Tindak Lanjut Follow-Up
waktu Penyelesaian
Completion Time
1Penerapan fungsi manajemen risiko dan pengendalian intern.
Membangun dan menginternalisasi budaya kehati-hatian (prudent) di setiap lini melalui penerapan manajemen risiko, prinsip kepatuhan dan tata kelola perusahaan yang baik (GCG) secara konsekuen dan konsisten dalam setiap proses bisnis dan pengambilan keputusan.
Tahun 2015 pengembangan akan
selalu dilakukan disetiap tahunnya.
Implementation of risk management function and internal control
To build and to internalize culture of prudence in every line through consequent and consistent implementation of risk management, the principle of compliance and good corporate governance (GCG) in every business process and decision-making.
Starting 2015; development will
always be performed in every year.
2
Transparansi kondisi keuangan dan non keuangan bank, laporan pelaksanaan GCG dan laporan internal.
• SistemITtelahmembentukaplikasipelaporantersendiri bagi UUS dan ke depannya akan terus mengembangkan sistem-sistem yang akan diperlukan bagi UUS Kedepannya.
• PengembanganIslamic Core Banking Sistem yang didukung oleh infrastruktur yang handal dan terkoneksi ke jaringan ATM di Indonesia dan Internasional serta sistem layanan E-Channel (Internet Banking, Phone Banking, Mobile Banking, Bill Payment, Virtual Account dan lain - lain).
Tahun 2015 pengembangan akan
selalu dilakukan disetiap tahunnya.
Transparency of financial and non-financial condition of the Bank, GCG implementation report and internal reports.
• ITSystemshasestablisheditsownreportingapplication for UUS and will continue to develop systems needed by UUS in the future.
• DevelopmentofIslamicCoreBankingSystemsupported by a reliable infrastructure connected to the ATM network throughout Indonesia and International as well as of the E-Channel service (Internet Banking, Phone Banking, Mobile Banking, Bill Payment, Virtual Account and others).
Starting 2015; development will
always be performed in every year.
3 Rencana Strategis BankMembuat rencana jangka pendek, dan jangka menengah yang tercantum di dalam RBB 2015 UUS.
Sepanjang tahun 2015.
Bank Strategic PlanTo formulate short-term and medium-term plans listed in RBB 2015 UUS.
Throughout 2015
UNIT USAHA SYARIAHSharia Business Units
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014212
NoAspek Aspects
Tindak Lanjut Follow-Up
waktu Penyelesaian
Completion Time
4 Fungsi pengawasan DPS
DPS lebih meningkatkan pengawasan terhadap UUS sehingga dapat berjalan sesuai dengan prinsip syariah dan tidak ada lagi pelanggaran yang bertentangan dengan prinsip syariah.
Sepanjang tahun 2015.
DPS Supervision FunctionDPS to improve supervision on UUS to maintain compliance with sharia principles and to ensure there are no violations on sharia principles.
Throughout 2015
5Kebijakan, sistem dan prosedur kerja
• Melakukanreview secara berkala mengenai kebijakan, sistem, dan prosedur kerja yang pada tahun 2014 belum adanya progress terhadap kebijakan system dan prosedur pada UUS.
• Memastikanbahwasemuaperaturan-peraturanintern seperti KDPK dan sebagainya selalu, sesuai dengan perkembangan peraturan ekstern yang berlaku dan kegiatan usaha yang selalu berkembang.
Sepanjang tahun 2015.
Policies, systems and operational procedures
• Toreviewpolicies,systems,andoperationalprocedures in which there has been no progress in 2014.
• v.
Throughout 2015
Rangkap Jabatan sebagai Anggota DPS pada Lembaga
Keuangan Syariah lainnya
Anggota DPS tidak merangkap jabatan sebagai anggota DPS
pada 4 (empat) lembaga keuangan syariah lain, rangkapan
jabatan ada namun masih dalam batas yang diizinkan.
Daftar Konsultan, Penasihat, Lembaga Pelatihan
Perbankan Syariah atau lainnya
Saat ini, Bank Sinarmas Tbk - Unit Usaha Syariah untuk
menjalankan operasionalnya tidak menggunakan tenaga
konsultan khusus. Namun, Bank Sinarmas Tbk - Unit Usaha
Syariah telah melakukan kerja sama dengan lembaga pelatihan
yaitu ICDIF LPPI dan Batalyon Komando 467 Paskhas untuk
melakukan beberapa pelatihan karyawan diantaranya Pelatihan
untuk Management Trainee.
Kebijakan Remunerasi dan Fasilitas Lainnya (Remunerasi
Package)
Pengungkapan mengenai kebijakan remunerasi dan fasiilitas
lainnya yang ditetapkan RUPS mencakup jumlah anggota DPS
dan jumlah keseluruhan remunerasi dan fasilitas lainnya yang
ditetapkan RUPS, sebagaimana tabel di bawah ini:
Concurrent Position as member of Sharia Supervisory
Board on other Sharia financing institution
Member of DPS are not allowed to have concurrent position
for the same position in 4 (four) other financial institutions;
concurrent position is allowed if it is within the allowed limits.
List of Consultant, Advisor, Islamic Banking Training
Institute or others
Currently, Bank Sinarmas Tbk - Sharia Business Unit does not
appoint special consultant to conduct its operations. However,
Bank Sinarmas Tbk - Sharia Business Unit has been working
with training institution named ICDIF LPPI to conduct several
training for employees for Management Trainee.
Remuneration Policy and Other Facilities (Remuneration
Package)
Disclosure of remuneration policy and other facilities determined
in the General Meeting of Shareholders contains the number
of members of DPS and the overall amount of remuneration
and other facilities determined in the General Meeting of
Shareholders, as described in the table below:
UNIT USAHA SYARIAHSharia Business Units
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 213
The number of member of DPS in a year are grouped in range
of income levels, as described in the table below:
Fraud
Total internal fraud occured in 2014 and resolution effort
conducted by UUS are as follows:
Jenis Remunerasi dan Fasilitas Lainnya Remuneration and Other Facilities
Jumlah Diterima dalam 1 TahunAmounts Received in 1 Year
OrangPeople
Jutaan Rupiah Million
Rupiahbv
Remunerasi / Remuneration 2 338
Fasilitas lainnya / Other facilities *)• Yang dapat dimiliki / Can be possessed• Yang tidak dapat dimiliki / Cannot be possessed
2
Total 2 338*) dinilai dalam ekuivalen Rupiah / assessed in Rupiah equivalent
Jumlah anggota DPS yang dalam satu tahun dikelompokkan
dalam kisaran tingkat penghasilan, sebagaimana tabel di
bawah ini:
Jumlah Remunerasi*) per orang dalam 1 tahun Jumlah Dewan Pengawas Syariah
Di atas Rp 2 M /Above Rp2 Billion
Nihil
Di atas Rp 1 M s.d. Rp 2 M /Above Rp1 Billion to Rp2 Billion
Nihil
Di atas Rp. 500 juta s.d. Rp. 1 M /Above Rp500 million to Rp1 Billion
Nihil
Rp. 500 juta ke bawah /Below Rp500 million
2
*) yang diterima dalam bentuk keuangan (non natura) / received
in the form of finance (non natura)
Fraud
Jumlah Penyimpangan (Internal Fraud) yang terjadi sepanjang
2014 dan upaya penyelesaian yang dilakukan oleh UUS adalah
sebagai berikut:
Internal Fraud dalam 1 tahunInternal Fraud within 1 year
Jumlah Kasus yang Dilakukan OlehNumber of Cases Committed by
Dewan Komisaris/DireksiBoard of Commissioner/
Director
Pegawai TetapPermanent Employee
Pegawai Tidak TetapNon-Permanent Employee
Tahun SebelumnyaPrevious Year
Tahun BerjalanCurrent
Year
Tahun SebelumnyaPrevious Year
Tahun BerjalanCurrent
Year
Tahun SebelumnyaPrevious Year
Tahun BerjalanCurrent
Year
Total Fraud Nihil Nihil Nihil Nihil Nihil Nihil
Telah diselesaikan Nihil Nihil Nihil Nihil Nihil Nihil
Dalam proses penyelesaian di internal UUS
Nihil Nihil Nihil Nihil Nihil Nihil
UNIT USAHA SYARIAHSharia Business Units
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014214
Important Cases
Total legal issue in 2014 and resolution efforts conducted by
UUS are as follows:
Non-halal Income and Its use
In 2014, there was no any non-halal income.
Internal Fraud dalam 1 tahunInternal Fraud within 1 year
Jumlah Kasus yang Dilakukan OlehNumber of Cases Committed by
Dewan Komisaris/DireksiBoard of Commissioner/
Director
Pegawai TetapPermanent Employee
Pegawai Tidak TetapNon-Permanent Employee
Tahun SebelumnyaPrevious Year
Tahun BerjalanCurrent
Year
Tahun SebelumnyaPrevious Year
Tahun BerjalanCurrent
Year
Tahun SebelumnyaPrevious Year
Tahun BerjalanCurrent
Year
Belum diupayakan penyelesaiannya
Nihil Nihil Nihil Nihil Nihil Nihil
Telah ditindaklanjuti melalui proses hukum
Nihil Nihil Nihil Nihil Nihil Nihil
Kasus Perkara Penting
Jumlah permasalahan hukum sepanjang 2014 dan upaya
penyelesaian yang dilakukan oleh UUS adalah sebagai berikut:
Permasalahan hukumLegal Issue
Jumlah / Total
PerdataCivil
PidanaCrime
Telah selesai (telah mempunyai kekuatan hukum yang tetap) / Completted (Legal Binding) NIhil NIhil
Dalam proses penyelesaian / In Process NIhil NIhil
Total NIhil NIhil
Pendapatan Non halal dan Penggunaannya
Selama periode tahun 2014 tidak terdapat pendapatan non
halal.
UNIT USAHA SYARIAHSharia Business Units
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 215
CORPORATE SOCIAL RESPONSIBILITYAll Corporate Social Responsibility programs are commitments
of PT. Bank Sinarmas Tbk. - UUS in implementing responsibility
principle in order to improve the quality of Company’s GCG.
These are fund distributions for social activities, both total fund
and fund recipient in 2014:
TANGGuNG JAwAB SOSIAL PERuSAhAANSeluruh program tanggung jawab sosial perusahaan merupakan
komitmen PT. Bank Sinarmas Tbk. - UUS dalam menerapkan
prinsip responsibility dalam rangka meningkatkan kualitas GCG
perusahaan.
Berikut penyaluran dana untuk kegiatan sosial baik jumlah
maupun pihak penerima dana sepanjang 2014.
No Kegiatan / Activities Tanggal / Date Nominal
1 Pengadaan Al-Quran / Al-Quran procurement11 September 2014September 11, 2014
20.000.000
2Partisipasi Pelaksanaan Renovasi Gedung Olah Raga Indoor Batalyon Komando 467 Paskhas / Participation of Gedung Olahraga Indoor Batalyon Komando 467 Pakhas Construction
16 September 2014September 16, 2014
10.000.000
3Partisipasi Dana CSR dalam rangka pembuatan Bak Sampah KCS Bengkulu / Participation of CSR Fund in Making Trash Bin KCS Bengkulu
1 Oktober 2014October 1, 2014
1.705.000
4Partisipasi Pembangunan Lapau Panjang Kota Padang / Participation of Lapau Panjang Construction, Kota Padang
October 6, 2014 6 Oktober 2014
17.100.000
5Partisipasi Dana CSR KCS Tasikmalaya / Participation of CSR Fund KCS Tasikmalaya
9 Desemebr 2014Decemeber 9, 2014
2.099.000
6Partisipasi Dana CSR KCS Tasikmalaya / Participation of CSR Fund KCS Tasikmalaya
18 Desember 2014December 18, 2014
3.100.000
7 Pengadaan Al-Quran / Al-Quran procurement19 Desember 2014December 19, 2014
27.000.000
8Partisipasi Dana CSR dalam Rangka Sunatan Massal / Participation of CSR Fund for Mass Circumcision
24 Desember 2014December 24, 2014
30.000.000
9Partisipasi Dana CSR KCS Tasikmalaya / Participation of CSR Fund KCS Tasikmalaya
24 Desember 2014December 24, 2014
4.950.000
10Partisipasi Dana CSR KCS Tasikmalaya / Participation of CSR Fund KCS Tasikmalaya
30 Desember 2014December 30, 2014
1.240.000
11Partisipasi Dana CSR KCS Tasikmalaya / Participation of CSR Fund KCS Tasikmalaya
31 Desember 2014December 31, 2014
3.400.000
TOTAL 120.594.000
UNIT USAHA SYARIAHSharia Business Units
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014216
MANAJEMEN RISIKORisk Management
Bank Sinarmas memahami bahwa bisnis perbankan memiliki
beragam risiko yang harus diidentifikasi, dikelola, dipantau
secara konsisten dan ditindaklanjuti dengan langkah mitigasi
sehingga dampak kejadian risiko dapat diminimalisasi.
Keterlambatan dalam memitigasi risiko dapat berakibat fatal,
sebaliknya kecepatan dan ketepatan dalam mengidentifikasi
dan memitigasi risiko dapat melahirkan peluang bagi
pengembangan usaha.
Berdasarkan Peraturan Bank Indonesia Nomor 5/8/PBI/2003
tentang Penerapan Manajemen Risiko bagi Bank Umum,
pengelolaan risiko Bank Sinarmas dilakukan terhadap 8
(delapan) jenis risiko, yaitu:
1. Risiko Kredit
2. Risiko Pasar
3. Risiko Likuiditas
4. Risiko Operasional
5. Risiko Hukum
6. Risiko Stratejik
7. Risiko Kepatuhan
8. Risiko Reputasi
Dalam pelaksanaannya, pengelolaan risiko Bank berpedoman
pada kerangka manajemen risiko yang dituangkan dalam
Kebijakan Manajemen Risiko (KMR). Kerangka tersebut
digunakan sebagai dasar dalam menetapkan strategi,
struktur organisasi, kebijakan dan pedoman, penetapan
limit, kewenangan, serta diaplikasikan di dalam perangkat
manajemen risiko yang berlaku di seluruh lingkup aktivitas
usaha guna memastikan semua risiko yang dihadapi Bank dapat
teridentifikasi, terukur, terkendali, dan termitigasi dengan baik.
SISTEM PENERAPAN MANAJEMEN RISIKO
Bank Sinarmas mengembangkan manajemen risiko secara
berkesinambungan sesuai dengan meningkatnya kompleksitas
dan strategi bisnis. Penerapan manajemen risiko dilakukan
melalui 4 (empat) pilar, yaitu Pengawasan Aktif Dewan
Komisaris dan Direksi; Kecukupan Kebijakan, Prosedur, dan
Penetapan Limit; Proses Manajemen Risiko dan Sistem Informasi
Manajemen Risiko; serta Sistem Pengendalian Intern.
Bank Sinarmas realizes that banking business has several risks
that have to be identified, managed, monitored consistently
and followed-up by mitigation steps thus risk effect can be
minimized. Lateness in mitigating risk can be fatal, thus speed
and accuracy in mitigating risk can build an opportunity for
business development.
Based on Bank Indonesia regulation No.5/8/PBI/2003 regarding
Implementation of Risk Management for Commercial Bank, risk
managements of Bank Sinarmas are conducted 8 (eight) types
of risks, that are:
1. Credit Risk
2. Market Risk
3. Liquidity Risk
4. Operational Risk
5. Legal Risk
6. Strategic Risk
7. Compliance Risk
8. Reputation Risk
In its implementation, risk management of the Bank refers to
risk management framework stated in Risk Management Policy.
The framework is used as the basic in determining strategy,
organization structure, policy and guideline, limit determination,
authority, as well as being applied in risk management level in
all scope business activities to ensure that all risks faced by the
Bank can be identified, measured, controlled, and mitigated
properly.
RISK MANAGEMENT IMPLEMENTATION SYSTEMBank Sinarmas develops risk management continuously
along with the increase of business complexity and strategy.
Risk management implementation is conducted through
4 (four) pillars, which are Active Supervision of Board of
Commissioners and Directors; Adequacy of Policy, Procedure,
and Limit Determination; Risk Management Process and Risk
Management Information System; as well as Internal Control
System.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 217
MANAJEMEN RISIKORisk Management
1. Pengawasan Aktif Dewan Komisaris dan Direksi
Pengawasan Dewan Komisaris dilaksanakan sesuai dengan
tugas dan tanggung jawabnya yang meliputi hal-hal berikut:
• Menyetujui kebijakan-kebijakan yang harus mendapat
persetujuan dari Dewan Komisaris.
• Mengevaluasi pelaksanaan kebijakan manajemen risiko dan
strategi manajemen risiko.
• Mengevaluasi pertanggungjawaban Direksi atas
pelaksanaan kebijakan dan prosedur manajemen risiko,
antara lain dengan mengevaluasi laporan yang disampaikan
Direksi secara berkala, meminta penjelasan kepada
Direksi dan memberikan arahan perbaikan jika terdapat
penyimpangan pelaksanaan manajemen risiko yang telah
ditetapkan.
• Menyetujui transaksi yang memerlukan persetujuan dari
Dewan Komisaris.
Dalam melaksanakan tugas dan tanggung jawab pengawasan
efektivitas proses manajemen risiko, Dewan Komisaris dibantu
oleh Komite Pemantau Risiko dalam melakukan melakukan
evaluasi terhadap pelaksanaan kebijakan manajemen risiko
serta terhadap pelaksanaan tugas Komite Manajemen Risiko
dan Satuan Kerja Manajemen Risiko. Komite Pemantau Risiko
akan rekomendasi kepada Dewan Komisaris atas hasil evaluasi
manajemen risiko tersebut.
Tugas dan tanggung jawab Direksi dalam penerapan
manajemen risiko antara lain:
• Mengevaluasi dan menyetujui kebijakan-kebijakan serta
metodologi yang digunakan untuk penilaian berbagai jenis
risiko Bank.
• Mengevaluasi dan memberikan arahan berdasarkan
laporan-laporan yang disampaikan oleh Satuan Kerja
Manajemen Risiko termasuk laporan mengenai Profil Risiko.
• Menetapkan struktur organisasi termasuk wewenang dan
tanggung jawab yang jelas pada setiap jenjang jabatan
yang terkait dengan penerapan manajemen risiko.
• Memastikan pelaksanaaan langkah-langkah perbaikan
yang diperlukan atas permasalahan yang timbul dalam
aktivitas Bank.
• Memastikan peningkatan kompetensi sumber daya manusia
yang terkait dengan penerapan manajemen risiko.
1. Active Supervision of Board of Commissioners and
Directors
Supervision of Board of Commissioner is conducted in
accordance with their duties and responsibilities, which are:
• Toapprovepolicies thathavetobeapprovedbyBoardof
Commissioners.
• Toevaluatetheimplementationofriskmanagementpolicy
and risk management strategy.
• ToevaluateaccountabilityofDirectors for implementation
of policies and procedures of risk management, including
evaluating report reported by Director periodically, asking
for explanation to the Director and providing improvement
recommendation if there is violation of risk management
implementation that has been determined.
• ToapprovetransactionthatneedstobeapprovedbyBoard
of Commissioners.
In conducting effective supervision duties and responsibilites in
risk management process, Board of Commissioner is assisted by
Risk Monitoring Committee in evaluating the implementation
of risk management policy as well as implementation of Risk
Management and Risk Management Working Unit duties. Risk
Monitoring Committee will give recommendations to Board of
Commissioner for evaluation result of risk management.
Duties and responsibilities of Director in implementing risk
management are as follows:
• Evaluating and approving methodology used to assess
several types of Bank’s risks.
• Evaluating and providing guidelines based on reports
reported by Risk Management Working Unit, including
reports regarding Risk Profile.
• Determining organization structure including clear
authorities and responsibilities to every level position related
to implementation of risk management.
• Ensuringimplementationofimprovementstepsneededfor
the problems that have to be faced in Bank activities.
• Ensuringimprovementofhumancapitalcompetencerelated
to implementation of risk management.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014218
Direksi menetapkan Komite Manajemen Risiko dalam
melakukan evaluasi terhadap pelaksanaan manajemen risiko
serta memberikan rekomendasi yang diperlukan. Komite
Manajemen Risiko beranggotakan Direksi serta Pejabat
Eksekutif terkait.
2. Kecukupan Kebijakan, Prosedur, dan Penetapan Limit
Struktur organisasi Bank yang disusun telah mempertimbangkan
kebutuhan untuk mendukung penerapan manajemen risiko
dan pengendalian internal yang baik, antara lain dibentuknya
Satuan Kerja Kepatuhan, Satuan Kerja Manajemen Risiko dan
Satuan Kerja Audit Internal.
Bank telah memiliki kebijakan dan prosedur serta menetapkan
limit-limit untuk membatasi risiko. Kebijakan, prosedur dan
limit tersebut disusun sesuai dengan risk appetite dan risk
tolerance Bank serta secara berkala dilakukan kajian kembali
untuk dievaluasi kesesuaiannya dengan skala dan kompleksitas
Bank.
3. Proses Manajemen Risiko dan Sistem Informasi
Manajemen Risiko
Bank Sinarmas secara berkesinambungan mengembangkan
metode yang dapat mengukur eksposur risiko Bank
sebagai acuan dalam melakukan pengendalian, baik secara
kuantitatif maupun kualitatif. Model pengukuran yang telah
dikembangkan Bank antara lain seperti scoring, value at risk
(VaR), portofolio management dan stress testing. Model
pengukuran tersebut dievaluasi dan disempurnakan secara
berkala untuk memastikan kesesuaiannya.
Sistem informasi manajemen merupakan hal penting untuk
mendukung pelaksanaan proses identifikasi, pengukuran,
pemantauan, dan pengendalian risiko. Beberapa
pengembangan yang dilakukan Bank terkait sistem informasi,
antara lain sebagai berikut:
• Pada aktivitas perkreditan, Bank telah mengembangkan
program bantu yang dikenal dengan Loan Origination
System (LOS) untuk mendukung efektivitas dan efisiensi
dalam pengajuan permohonan kredit serta mempercepat
pelaksanaan proses persetujuan kredit
• Pada aktivitas treasury, Bank telah mengembangkan
program bantu blotter electronic yang terintegrasi dengan
core banking system untuk memantau Posisi Devisa Neto.
MANAJEMEN RISIKORisk Management
The Director determines Risk Management Committee in
evaluating the implementation of risk management as well as
gives recommendations required. Risk Management Committee
includes the Director and related Executive positions.
2.Adequacy of Policies, Procedures, and Limit
Determination
Organization structure of the Bank arranged has considered
the need to support implementation of risk management and
good internal control, such as the establishment of Compliance
Working Unit, Risk Management Working Unit and Internal
Audit Working Unit.
The Bank has several policies and procedures as well as
determines limitations to limit the risks. Policies, procedures,
and limitation are arranged in accordance with risk appetite
and risk tolerance of the Bank and periodically are reviewed
to evaluate its conformity with the scale and complexity of the
Bank.
3. Risk Management Process and Information System of
Risk Management
Bank Sinarmas continuosly develops the method that can
measure Bank’s risk exposure as a guideline in conducting a
control, both quantitatively and qualitatively. Measurement
models that have been developed the Bank including scoring,
value at risk (VaR), portfolio management and stress testing.
These measurement models have been evaluated and enhanced
periodically to ensure their conformities.
Management Information System is important to support the
implementation of identification, measurement, monitoring,
and risk control process. Several developments have been
conducted by the Bank related to information system, including:
• In credit activities, the Bank has developed supporting
program called Loan Origination System (LOS) to support the
effectivity and efficiency in the process of credit application
as well as to accelerate process of credit approval.
• In treasury activities, the Bank has developed supporting
program called blotter electronic that has been integrated
with care banking system to monitor Net Open Position.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 219
MANAJEMEN RISIKORisk Management
Sebagai bagian dari sistem informasi manajemen risiko, Satuan
Kerja Manajemen Risiko telah menyusun laporan profil risiko
Bank yang disampaikan setiap triwulan kepada Direksi dan
Komite Manajemen Risiko.
4. Sistem Pengendalian Internal
Seluruh manajemen dan karyawan memiliki peran dan
tanggung jawab dalam meningkatkan kualitas dan pelaksanaan
sistem pengendalian internal.
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 evaluasi secara periodik dengan cakupan aspek
pemeriksaan yang telah ditentukan sebelumnya.
EVALuASI ATAS EFEKTIVITAS SISTEM MANAJEMEN RISIKOPermodalan Bank Sinarmas
Bank Sinarmas senantiasa memastikan kecukupan permodalan
untuk menyerap risiko kredit, risiko pasar dan risiko operasional
sebagaimana ditentukan oleh Bank Indonesia. Metode
perhitungan kecukupan modal Bank Sinarmas menggunakan
pendekatan yang ditetapkan sesuai standar dari Basel II,
yaitu pendekatan standar untuk risiko kredit dan risiko pasar
serta pendekatan indikator dasar untuk risiko operasional.
Selain kecukupan permodalan untuk melindungi 3 (tiga)
risiko tersebut, Bank juga melakukan perhitungan kecukupan
permodalan berdasarkan Profil Risiko Bank melalui proses
Internal Capital Adequacy Assessment Process (ICAAP).
Profil Risiko dan Tingkat Kesehatan Bank
Penilaian Profil Risiko mencakup penilaian terhadap risiko inheren
dan penilaian terhadap Kualitas Penerapan Manajemen Risiko
yang mencerminkan sistem pengendalian risiko (risk control
system). Penilaian dilakukan pada seluruh faktor risiko dengan
penekanan pada risiko yang melekat pada setiap kegiatan Bank
yang meliputi risiko kredit, risiko pasar, risiko likuiditas dan
risiko operasional, dengan tidak mengabaikan risiko lainnya,
seperti risiko hukum, risiko reputasi, risiko stratejik dan risiko
kepatuhan. Dalam melakukan penilaian profil Risiko, Bank
mengacu pada Peraturan Bank Indonesia No. 13/1/PBI/2011
tanggal 5 Januari 2011 tentang Penilaian Tingkat Kesehatan
Bank Umum dan Surat Edaran Bank Indonesia No.13/24/DPNP
As a part of information system of risk management, Risk
Management Working Unit has arranged report of Bank’s
risks profile that is reported periodically to Director and Risk
Management Committee.
4. Internal Control System
All managements and employees have their own duties and
responsibilities in increasing the quality and implementation of
internal system control.
Internal control is conducted by business unit by referring to the
policies and procedures that have been determined. To ensure
that policies and procedures have been implemented, Internal
Audit Working Unit conducts evaluation process periodically
with supervision aspect that has been determined previously.
EVALuATION OF EFFECTIVITY OF RISK MANAGEMENT SYSTEMBank Sinarmas’ Capital
Bank Sinarmas ensures adequacy of capital to cover credit risk,
market risk and operational risk as regulated by Bank Indonesia.
Method of adequacy of Bank’s capital measurement uses an
approach determined in accordance with the standard from
Basel II, that is standard approach for credit risk and market risk
as well as basic indicator approach for operational risk. Besides
adequacy of capital to support those 3 (three) risks, the Bank
also calculates adequacy of capital based on Bank Risk Profile
through process of Internal Capital Adequacy Assessment
Process (ICAAP).
Risk Profile and health Level of the Bank
Assessment on risk profile includes assessment on inherent risk
and quality of risk management implementation that reflects
risk control system. The assessment is conducted to all risk
factors by emphasizing the risks related to every activities of
the Bank, including credit risk, market risk, liquidity risk and
operational risk, by not ignoring other risks, such as legal risks,
reputation risk, strategic risk, and compliance risk. In conducting
an assessment on risk profile, the Bank should refer to Bank
Indonesia regulation No. 13/1/PBI/2011 dated January 5, 2011,
regarding the Assessment on Health Level of Commercial Bank
and Circular Letter of Bank Indonesia No. 13/24/DPNP dated
October 25, 2011 regarding the Assessment on Health Level of
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
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tanggal 25 Oktober 2011 tentang Penilaian Tingkat Kesehatan
Bank Umum yang didalamnya mengatur sejumlah parameter
minimal yang harus digunakan Bank.
Berdasarkan hasil self assessment Bank, peringkat komposit
untuk profil risiko Bank Sinarmas per 31 Desember 2014 berada
pada peringkat 2 (Low to Moderate).
JENIS RISIKO DAN PENGELOLAANYA1. RISIKO KREDIT
Risiko kredit adalah risiko yang timbul akibat kegagalan
debitur atau pihak lawan (counterparty) serta pihak lainnya
dalam memenuhi kewajibannya ketika jatuh tempo. Berbagai
kewajiban ini dapat timbul dari berbagai aktivitas fungsional
penyediaan dana, seperti perkreditan, treasury, investasi dan
pembiayaan perdagangan (trade finance).
Tujuan pengelolaan risiko kredit antara lain sebagai berikut:
• Mengidentifikasi risiko kredit yang melekat dalam setiap
aktivitas penyediaan dana sehingga bisa merekomendasikan
langkah-langkah untuk memitigasi risikonya.
• Sebagai penyeimbang antara ekspansi kredit dan kualitas
kredit. Dengan pengelolaan kredit yang baik diharapkan
kredit Bank bertumbuh namun dengan kualitas kredit yang
baik (rasio non performing loan di bawah risk appetite).
• Memastikan bahwa aktivitas penyediaan dana telah
dilakukan dengan memperhatikan prinsip-prinsip
pemberian kredit yang sehat.
• Memastikan bahwa deviasi terhadap kebijakan dan
prosedur masih dalam batas yang ditetapkan.
Penerapan Manajemen Risiko Kredit
a. Organisasi Manajemen Risiko Kredit Bank berada dalam
struktur organisasi Manajemen Risiko yang terdiri dari
staf-staf fungsional yang secara khusus bertanggung
jawab melakukan pengelolaan risiko kredit dan bersifat
independen dari unit kerja bisnis.
b. Strategi Manajemen Risiko Kredit
• Bank telah menetapkan prosedur dan kebijakan kredit,
pengaturan limit dan melakukan evaluasi secara
berkala untuk memastikan bahwa seluruh risiko yang
mungkin timbul dari pemberian kredit dapat dimitigasi,
menerapkan prinsip four eyes principles secara
konsisten, serta pelaksanaan evaluasi independen
terhadap permohonan kredit dalam batasan tertentu
dan debitur existing secara sampling.
MANAJEMEN RISIKORisk Management
Commercial Bank including minimum parameter that has to be
used by the Bank.
Based on self-assessment of the Bank, composite ranking for
risk profile of Bank Sinarmas as of December 31, 2014, was on
the 2nd ranking (Low to Moderate).
TYPES OF RISKS AND ITS MANAGEMENT1. Credit Risk
In general, credit Risk is the risk that occurs from failure of
debtors/counterparties and other parties in fulfilling their
maturing obligations. Various obligations can occur from
several functional activities such as loan (provision of funds),
treasury, investment and trade finance).
Purposes of credit risk management are as follows:
• Toidentifycreditriskrelatedtoeveryfinancialactivitiesto
recommend several steps to mitigate the risks.
• To be balance between the credit expansion and credit
quality. By managing credit properly, Bank’s credit is
expected to grow with good quality credit (Non Performing
Loan ration under risk appetite).
• Toensurethatfinancialactivitieshavebeenconductedby
conerning principles of healthy credit allocation.
• Toensurethatthedeviationofpolicyandprocedurearestill
in the limit that has been determined.
Implementation of Credit Risk Management
a. Organization of Credit Risk Management is on the
organization structure of risk management consisting of
functional staffs, that are responsible to conduct credit risk
management and be independent from business working
unit.
b. Credit Risk Management Strategy
• The Bank has determined credit procedure and
policy, limit determination and conducted evaluation
periodically to ensure that all risks that may come up
from credit allocation can be mitigated, implemented
Four Eyes Principles consistently, as well as conducted
independent evaluation to the credit application in
particular limitation and sampling existing debotrs.
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MANAJEMEN RISIKORisk Management
• Dalam rangka menjaga kualitas kredit debitur, Bank
dengan ketat memantau perkembangan portofolio
kredit Bank yang memungkinkan Bank untuk
melakukan tindakan pencegahan secara tepat waktu
(early warning) apabila terjadi penurunan kualitas kredit
dengan membuat portofolio kredit dan melaporkannya
kepada Direksi secara berkala.
• Bank juga menetapkan risk appetite, risk tolerance dan
risk limit untuk bidang perkreditan serta melaksanakan
stress testing risiko kredit secara berkala.
• Bank melakukan pengawasan penyediaan dana
kepada pihak terkait dengan melakukan analisis secara
komprehensif dan pemberian second opinion dari Divisi
Satuan Kerja Manajemen Risiko dan Divisi Kepatuhan
sebagai unit independen dan memastikan penyediaan
dana tersebut sesuai dengan ketentuan regulator.
• Proses pemantauan kualitas kredit sampai dengan
penanganan kredit bermasalah terus ditingkatkan
dengan berbagai strategi atau metode yang dimonitor
secara periodik untuk memastikan agar kualitas
portofolio kredit tetap terjaga sesuai risk appetite Bank.
• Dalam rangka memenuhi ketentuan regulator dan
mendukung program pemerintah terkait penyaluran
kredit usaha mikro, kecil dan menengah (UMKM),
maka sepanjang 2014 Bank mulai fokus menyalurkan
kredit pada UMKM. Salah satu langkah yang diambil
Bank yaitu dengan menerapkan organisation wide
policy yang membatasi nilai kredit untuk setiap segmen,
baik untuk kredit korporasi maupun kredit retail. Dari
sisi bisnis, Bank mengembangkan produk kredit untuk
UMKM pada triwulan IV 2014 (Simas KUK dan Simas
Micro), mengembangkan produk kredit dengan skema
supply chain financing, penyaluran kredit mikro melalui
kerja sama dengan agen (koperasi, multifinance,
instansi lainnya), penyaluran kepada petani sawit
ataupun usaha mikro lainnya. Selama 2014, Bank
juga melakukan pengembangan terhadap Sistem One
Obligor untuk melakukan kontrol pemberian kredit
dalam rangka memitigasi terjadinya pelampauan atau
pelanggaran BMPK, pelaksanaan inhouse training AO
Mikro dan SPV Mikro untuk meningkatkan kualitas
SDM yang merupakan first line (garda depan) Bank
dalam melakukan pemberian kredit.
• To maintain the quality of debtor’s credit, the Bank
monitors the development of Bank credit portfolio to
conduct early warning if the quality of credit decreases
by making credit portfolio and reporting it to the
Director periodically.
• TheBankalsohasdeterminedriskappetite,risktolerance
and risk limit for credit field as well as conducted stress
testing of credit risk periodically.
• TheBankconductedsupervisionof fundsprovisionof
related party and conducted analysis comprehensively
and provided second opinion from Division of Risk
Management Working Unit as an Independent Unit,
and ensured provision of fund has been in accordance
with regulator.
• Processofcreditqualitycontroltohandlingofproblems
loan are continuously developed with several strategies
and methods monitored periodically to ensure that the
quality of credit portfolio is maintained in accordance
with Bank’s risk appetite.
• Tofulfill theregulatorpolicyandsupportgovernment
program related to UMKM channeling, the Bank starts
focusing on credit channeling in UMKM. One step
taken by the Bank is to implement organisation wide
policy that limits credit value for every segment, both
corporation credit and retail credit. In business side, the
Bank develops credit product for UMKM in quarter IV
2014 (Simas KUK) and Simas Macro), develops credit
product by the scheme of supply chain financing, credit
micro channeling through coordination with agents
(cooperative, multifinance, other instances), channeling
to palm oil farmers or other micro businesses. In 2014,
the Bank conducted the development of One Obligor
system to control credit allocation in order to mitigate
the exceedances and violation of BMPK, implementation
of inhouse training AO Micro and SPV Micro to increase
the quality of human capital, that is first line of the Bank
in conducting credit allocation.
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c. Pengukuran dan Pengendalian Risiko Kredit
• Pengukuran Risiko Kredit
Dalam mengukur beban modal atas risiko kredit, Bank
menggunakan metode standar sesuai yang diatur dalam
Surat Edaran Bank Indonesia Nomor 13/6/DPNP perihal
Pedoman Perhitungan Aset Tertimbang Menurut Risiko
dengan Menggunakan Pendekatan Standar. Penilaian
terhadap profil risiko kredit juga dilakukan secara berkala
untuk mengukur risiko yang melekat serta kecukupan
penerapan manajemen risiko. Risiko yang melekat
diukur dengan menggunakan sejumlah parameter
yang mencakup antara lain komposisi portofolio aset
dan tingkat konsentrasi, kualitas penyediaan dana dan
kecukupan pencadangan.
• Pengendalian Risiko Kredit
- Bank mengembangkan serta menerapkan risk
governance sebagai bagian dalam pengendalian
internal perkreditan sebagai berikut:
o Lini pertama (pilar bisnis dan pendukung)
terutama bertanggung jawab mengelola risiko
kredit yang merupakan bagian dari aktivitasnya
sehari-hari.
o Lini kedua menyediakan sumber daya yang
diperlukan untuk mengembangkan kerangka
kerja risiko kredit, kebijakan, metodologi dan
perangkat risiko kredit dalam pengelolaan risiko
kredit yang bersifat material secara bankwide.
o Lini ketiga merupakan audit internal dan kontrol
internal, yang secara independen bertugas untuk
melakukan pemeriksaan terhadap kepatuhan,
kecukupan dan efektivitas proses manajemen
risiko kredit.
- Dalam menjalankan fungsi manajemen risiko
kredit, proses persetujuan kredit telah diatur
dalam kebijakan Bank, yaitu dengan menetapkan
wewenang di kantor cabang, kantor wilayah, dan
kantor pusat sehingga memungkinkan proses
pengambilan keputusan kredit yang optimal. Seiring
dengan bertumbuhnya perkreditan Bank, maka
untuk mendukung efektivitas dan efisiensi dalam
pengajuan permohonan kredit serta mempercepat
pelaksanaan proses persetujuan kredit, Bank
menggunakan suatu program bantu yang dikenal
dengan Loan Origination System (LOS) yang terus
MANAJEMEN RISIKORisk Management
c. Credit Risk Measurement and Control
• CreditRiskMeasurement
In measuring capital charges for credit risk, Bank uses
the standard method outlined in the Bank Indonesia
Circular Letter No. 13/6/DPNP regarding the Code
Calculation Risk Weighted Assets by using the Standard
Approach. Assessment of the credit risk profile is
periodically carried out to measure the inherent risks
and adequacy of risk management. Inherent risk is
measured with using a number of parameters that
include asset portfolio compositions and concentration
levels, financing qualities and the adequacy of reserves.
• CreditRiskManagement
- Bank develops and implements the risk governance
as part of the internal control of credit as follows:
o First line (business and supporting pillars)
primarily responsible for managing credit risk,
which is part from its daily activities.
o The second line provides the resources required
to develop credit risk frameworks, policies,
methodologies and tools of credit risk in credit
risk management in bank-wide material.
o The third line is the internal audit and internal
controls, which are independently served
to conduct an examination of compliance,
adequacy and effectiveness of credit risk
management process
- In carrying out the functions of credit risk
management, credit approval process has been
set in the Bank’s policies, which are by setting
authority in branch offices, regional offices and
headquarters allowing the credit decision-making
process optimal. Along with the growth of Bank
credit, to support the effectiveness and efficiency
of the submission of the loan application and
expedite the implementation of the credit approval
process, Bank uses a supporting program known as
Loan Origination System (LOS) are constantly being
developed and refined. Currently Bank has used LOS
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MANAJEMEN RISIKORisk Management
dikembangkan dan disempurnakan. Saat ini Bank
telah menggunakan LOS dalam proses pengajuan
kredit mikro, konsumer, komersial dengan
menerapkan parameter-parameter risiko secara
terintegrasi dan menyeluruh.
- Bank menerapkan pemberian second opinion yang
independen berupa pendapat atau kajian mitigasi
risiko dari Satuan Kerja Manajemen Risiko, terhadap
eksposur kredit di atas Rp50 miliar juga terhadap
produk-produk terkait dengan perkreditan ataupun
aktivitas perkreditan yang memiliki risiko melekat
(inherent risk) yang tinggi.
- Bank memantau portofolio kredit Bank yang disusun
berdasarkan jenis penggunaan, sektor ekonomi,
debitur inti, jenis fasilitas, mata uang, geografis,
cabang dan Batas Maksimum Pemberian Kredit
(BMPK) sesuai ketentuan Bank Indonesia yang
berlaku.
- Bank melaksanakan stress testing risiko kredit secara
berkala.
- Bank melakukan upaya-upaya penyehatan dan/atau
penyelamatan kredit bermasalah yang dilakukan
berupa restrukturisasi kredit yang dilakukan oleh
Unit Kerja Loan Recovery. Tata cara dan pedoman
untuk melaksanakan penyehatan dan/atau
penyelamatan kredit bermasalah telah diatur dalam
kebijakan internal Bank.
- Sebagai langkah mitigasi risiko kredit, Bank juga
mewajibkan debitur untuk memberikan agunan.
Jenis agunan yang diterima Bank sebagai agunan
kredit, antara lain berupa cash collateral, fixed
asset, mesin, kendaraan bermotor, persediaan, dan
lainnya sesuai dengan kebijakan yang berlaku.
Definisi Tagihan yang Telah Jatuh Tempo dan Tagihan
yang Mengalami Penurunan Nilai
Tagihan yang telah jatuh tempo adalah seluruh tagihan
kepada pemerintah, entitas sektor publik, Bank Pembangunan
Multilateral dan Lembaga Internasional, Bank, kredit beragun
rumah tinggal, kredit beragun properti komersial, kredit
pegawai atau pensiun, usaha mikro, usaha kecil dan portofolio
ritel, serta korporasi, yang telah jatuh tempo lebih dari 90
(sembilan puluh) hari, baik atas pembayaran pokok dan/atau
pembayaran bunga.
in the process of filing microcredit, consumer, and
commercial by applying risk parameters integratedly
and comprehensively.
- Bank applies an independent second opinion in
the form of an opinion or assessment from risk
mitigation of Risk Management Unit, to the credit
exposure above 50 billion also for products related
to the credit or lending activities that have a high
inherent risk.
- Bank monitors the Bank’s loan portfolio by type of
use, economic sector, debtors’ core, type of facility,
currency, geographical, branch and Legal Lending
Limit (LLL) in accordance with Bank Indonesia
regulations.
- Bank performs credit risk stress testing periodically.
- Bank attempts to restructure and/or rescue troubled
debt in the form of debt restructuring carried out
by the Work Unit Loan Recovery. Procedures and
guidelines to implement the restructuring and/or
saving troubled loans have been arranged in the
Bank’s internal policies.
- As the credit risk mitigation, Bank also requires
debtors to provide collateral. Types of collateral
received by the Bank as collateral for credit are
cash collateral, fixed asset, machinery, motor
vehicle, inventory, and more in accordance with the
prevailing policies.
Definition of Mature Receivables and Impaired
Receivables
Mature receivables are the entire bills to the government,
public sector entities, Multilateral Development Banks and
International Institutions, Bank, residential mortgage-backed
loans, loans backed commercial property, employees or pension
credit, micro business, small business and retail portfolio, and
corporate, which have maturities of more than 90 (ninety) days,
either for payment of principal and/or interest payments.
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Tagihan yang mengalami penurunan nilai (impairment)
adalah tagihan dalam kondisi di mana terdapat bukti objektif
terjadinya peristiwa yang merugikan sebagai akibat dari satu
atau lebih peristiwa yang terjadi setelah pengakuan awal kredit
tersebut, serta peristiwa yang merugikan tersebut berdampak
pada estimasi arus kas masa datang atas kredit atau kelompok
kredit yang dapat diestimasi secara handal.
Pendekatan yang Digunakan Bank untuk Pembentukan
Cadangan Kerugian Penurunan Nilai (CKPN)
a. Cadangan Kerugian Penurunan Nilai (CKPN) secara
individual
CKPN individual dibentuk untuk kredit dengan plafon di
atas Rp2 miliar dan telah menunggak lebih dari 90 hari
dengan menggunakan estimasi arus kas di masa datang.
b. Cadangan Kerugian Penurunan Nilai (CKPN) kolektif
CKPN kolektif dibentuk untuk seluruh kredit dengan
plafon di bawah Rp2 miliar dan kredit di atas Rp2 miliar
yang tunggakkannya belum mencapai 90 hari. Metode
perhitungan CKPN disesuaikan dengan standar kebijakan
akuntansi yang berlaku.
Bank menggunakan metode roll rate analysis yaitu metode
untuk menilai penyisihan kerugian penurunan nilai kredit
dengan menggunakan data historis 5 (lima) tahun terakhir
untuk Probability of Default (PD) dan Loss Given Default
(LGD).
Pengungkapan Risiko Kredit dengan Menggunakan
Metode Standar
a. Kebijakan penggunaan peringkat dalam perhitungan Aset
Tertimbang Menurut Risiko (ATMR) untuk risiko kredit.
Dalam perhitungan ATMR risiko kredit, Bank menggunakan
perhitungan dengan Pendekatan Standar (Standardized
Approach), di mana kualitas debitur diperingkat oleh
lembaga pemeringkat eksternal yang diakui oleh Bank
Indonesia.
b. Kategori portofolio yang menggunakan peringkat eksternal
adalah tagihan kepada entitas sektor publik, tagihan
kepada Bank Pembangunan Multilateral dan Lembaga
Internasional, tagihan kepada Bank, dan tagihan kepada
Korporasi (surat berharga).
c. Lembaga pemeringkat yang digunakan oleh Bank
berpedoman pada ketentuan Bank Indonesia. Bank
menggunakan beberapa lembaga pemeringkat yang diakui
MANAJEMEN RISIKORisk Management
Impaired receivables (impairment) are bills in conditions where
there is objective evidence of the occurrence of an adverse
event as a result of one or more events that occurred after the
initial recognition of the loan, and the adverse events impact on
the estimated future cash flows on loans or group of loans that
can be reliably estimated.
Approaches used by Bank for Allowance for Impairment
Losses (CKPN)
a. Individual Allowance for Impairment Losses (CKPN)
CKPN individually formed for credit with a platform above
Rp.2 billion and has been overdue for more 90 days with
uses the estimated future cash flows.
b. Collective Allowance for Impairment Losses (CKPN)
CKPN collective formed to the entire credit with platform
less than Rp2 billion and credit above Rp.2 billion which
the arrears have not been up to 90 days. CKPN calculation
methods adapted to the prevailing standards of accounting
policies.
Bank using roll rate analysis that as the method for assessing
the impairment loss of credit by using historical data of 5
(five) recent years for the Probability of Default (PD) and
Loss Given Default (LGD).
Disclosure of Credit Risk by using Standard Methods
a. The policy of the use of rank in the calculation of Risk
Weighted Assets for Credit Risk (ATMR). In the calculation
of Risk Weighted Assets for Credit Risk, the Bank uses
Standardized Approach, where the quality of debtors is
ranked by external rating agencies acknowledged by Bank
Indonesia.
b. Portfolio category uses the external rating are receivables
to public entity, receivables to multilateral development
bank and international institution, receivables to Bank, and
receivables to corporate (securities).
c. Rating agencies used by the Bank are referred to Bank
Indonesia Regulations. In order to extend credit to debtors
in forms of bonds and other securities, the Bank uses several
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Bank Indonesia dalam rangka pemberian kredit kepada
debitur berupa obligasi dan surat berharga lainnya, yaitu
Standard and Poor’s, Fitch Rating, Moody’s, Fitch Ratings
Indonesia, ICRA Indonesia dan Pemeringkat Efek Indonesia.
d. Pengungkapan risiko kredit pihak lawan (counterparty credit
risk) sebesar eksposur tagihan atau kredit yang diterima
oleh pihak lawan atau debitur dengan memperhitungkan
jenis agunan yang diserahkan kepada Bank sebagai mitigasi
risiko kredit Bank. Jenis instrumen mitigasi yang lazim
diterima atau diserahkan kepada Bank, antara lain agunan
tunai berupa deposito, tanah dan bangunan, tagihan
atau piutang, mesin dan peralatan, kendaraan bermotor,
corporate guarantee dan personal guarantee.
Pengungkapan Mitigasi Risiko Kredit dengan
Menggunakan Metode Standar
a. Kebijakan Bank untuk jenis agunan yang diterima
Dalam kebijakan perkreditan Bank, jenis agunan yang
diterima antara lain:
· Benda bergerak dan berwujud, seperti kendaraan
bermotor atau kendaraan alat berat, barang dagangan
(inventory), mesin atau alat-alat berat, serta kapal laut.
· Agunan tunai, antara lain berupa sertifikat deposito,
deposito berjangka, tagihan atau piutang usaha, saham,
obligasi, standby L/C dan lain-lain.
· Tanah dan bangunan, seperti Sertifikat Hak Milik,
Sertifikat Hak Guna Bangunan (SHGB), serta Sertifikat
Hak Milik atas Rumah Susun (SHMRS).
· Hak sewa pakai.
· Agunan immateriil penanggungan, antara lain Jaminan
pribadi atau perorangan (personal guarantee) dan
jaminan perusahaan (corporate guarantee).
· Written Support, antara lain Letter of Awareness, Letter
of Comfort, Letter of Undertaking.
· Reksadana.
· Kinerja Perusahaan.
b. Kebijakan, prosedur dan proses untuk menilai dan
mengelola agunan
Pada prinsipnya pemberian pinjaman harus disesuaikan
dengan kemampuan pembayarannya, tetapi analisis
jaminan tetap dibutuhkan sebagai alternatif penyelesaian
apabila pinjaman menjadi bermasalah. Jaminan yang
diterima merupakan jaminan yang materil dan memiliki nilai
pasar yang tinggi (marketable) dan diutamakan atas nama
MANAJEMEN RISIKORisk Management
agencies, which are acknowledged by Bank Indonesia,
namely: Standard and Poor’s, Fitch Ratings, Moody’s, Fitch
Ratings Indonesia, ICRA Indonesia, and the Rating Agency
of Indonesia.
d. Disclosure of counterparty credit risk of bill exposure or credit
received by the other parties or debtors to take into account
the type of collateral granted to the Bank as the Bank’s
credit risk mitigation. Mitigation instruments commonly
accepted or submitted to the Bank, including cash collateral
in the form of deposits, land and buildings, bills or accounts
receivable, machineries and equipment, motor vehicles,
corporate guarantees and personal guarantees.
Disclosure of Credit Risk Mitigation by using Standard
Methods
a. Bank’s Policy for the Acceptable Types of Collateral
In Bank’s credit policy, the acceptable types of collateral are:
· Moving and tangible objects such as motor vehicle or
heavy vehicle, merchandise (inventory), machinery or
heavy equipment, as well as ship.
· Cash collateral such as certificate of deposit, time
deposit, business bill, share, obligation, standby L/C and
others.
· Land and buildings such as the Certificate of Property,
Building Use Rights Certificate (SHGB), and Certificate
of Property Rights over Flats (SHMRS).
· Right to Occupy.
· Underwriting immaterial collateral, such as personal
guarantee and corporate guarantee.
· Written Support such as Letter of Awareness, Letter of
Comfort, and Letter of Undertaking.
· Mutual Fund.
· Corporate Performance.
b. Policies, procedures and processes to assess and manage the
collateral
Principally lending must be adapted to the ability of the
payment, but the analysis is still required as a guarantee an
alternative solution if the loan becomes trouble. Collateral
received is a material guarantee and has a high market
value (marketable) and preferably on behalf of prospective
debtors. Collateral internal evaluation by an independent
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calon debitur. Agunan dilakukan penilaian oleh internal
atau independen appraisal tergantung besar pinjamannya,
di mana apabila pinjaman di atas Rp5 miliar, maka agunan
harus dilakukan penilaian oleh independen appraisal,
sedangkan apabila pinjaman hingga Rp5 miliar dilakukan
oleh internal appraisal Bank.
c. Pihak-pihak utama pemberi jaminan atau garansi dan
kelayakan kredit (creditworthiness)
Untuk menjaga kemungkinan tidak tertagihnya kredit
yang sudah diberikan kepada debitur, maka Bank dapat
meminta tambahan agunan antara lain meminta jaminan
dari pihak ketiga lainnya dan/atau garansi yang tidak
berkaitan langsung dengan objek yang dibiayai dan Bank
akan menilai kelayakan kredit (creditworthiness) dari pihak-
pihak tersebut.
2. RISIKO PASAR
Risiko pasar terjadi akibat adanya pergerakan variabel pasar
dari portofolio yang dimiliki Bank. Di mana variabel pasar yang
dimaksud adalah suku bunga dan nilai tukar. Risiko pasar
antara lain terdapat pada aktivitas fungsional Bank, seperti
kegiatan treasury dan investasi dalam bentuk surat berharga
dan pasar uang maupun penyertaan pada lembaga keuangan
lainnya, penyediaan dana (pinjaman dan bentuk sejenis),
kegiatan pendanaan dan penerbitan surat utang, serta kegiatan
pembiayaan perdagangan (trade finance).
Bank memisahkan prinsip segregation of duties dengan
memisahkan fungsi dan tanggung jawab secara independen
atas transaksi perdagangan treasury yang terdiri dari unit front
office, middle office dan back office. Front office melakukan
aktivitas bisnis dan berhubungan dengan nasabah. Dalam
melakukan aktivitasnya, eksposur risiko yang timbul dibatasi
dengan risk appetite yang telah ditetapkan. Pemantauan
eksposur risiko dan kepatuhan terhadap limit-limit risiko
dilakukan oleh unit independen yaitu Satuan Kerja Manajeman
Risiko selaku middle office. Selain itu, Satuan Kerja Manajeman
Risiko juga mengusulkan risk appetite risiko pasar dan
melakukan verifikasi terhadap hasil valuasi portofolio yang
dikelola bisnis treasury. Sedangkan proses aktivitas pembukuan
dan settlemen transaksi treasury serta proses valuasi protofolio
dilakukan oleh Divisi Treasury Settlement sebagai back office.
MANAJEMEN RISIKORisk Management
appraisal is depending on the amount of loan. If the loan
is above Rp5 billion, the collateral should be assessed by an
independent appraisal, whereas if a loan is Rp5 billion or
less, internal appraisal will be carried out by the Bank.
c. Main parties of guarantor or warrantor and creditworthiness
To keep the possibility of uncollectible loans granted to
debtors, the Bank may request additional collateral such as
assurances from other third parties and/or warranties that
are not directly related to the object financed and the Bank
will assess the creditworthiness (creditworthiness) of the
parties.
2. MARKET RISK
Market risk occurs due to the market variable movement (adverse
movement) from the portfolio owned by the Bank, in which the
variables are interest rate and foreign exchange. Market risk
can be derived from trading book and banking book portfolio
occurring from the Bank’s functional activities such as Treasury
and investment activities in forms of marketable securities and
money market as well as other financial institutions, provision
of funds (loans and similar forms), funding activity and the
issuance bonds and trade financing activities.
The Bank separates the principle of segregation of duties by
separating the functions and responsibilities independently
on Treasury trading transactions consisting of the units
of front office, middle office and back office. Front office
performs business activities associated with the customer. In
conducting its activities, the arising risk exposure is limited to
a predetermined risk appetite. Monitoring of risk exposure and
compliance to risk limits are performed by independent unit,
namely Risk Management Unit, as middle office. Moreover, the
Risk Management Unit also proposes risk appetite of market
risk and verifying the results of the valuation of the portfolio
managed by the Treasury business. While the process of
bookkeeping activity and settlement of Treasury transactions
and portfolio valuation process conducted by Treasury
Settlement Division as back office.
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Pengelolaan risiko suku bunga dilakukan terhadap posisi
instrumen keuangan dalam trading book maupun banking
book. Risiko pasar dalam trading book diukur dengan berbagai
metodologi, antara lain analisis sensitivitas nilai tukar dan Value
at Risk (VaR), yang memperhitungkan potensi kerugian dalam
suatu periode tertentu dan pada tingkat kepercayaan tertentu.
Sedangkan pada banking book, risiko suku bunga dikelola
dengan melakukan analisis repricing gap antara Risk Sensitive
Asset (RSA) dan Risk Sensitive Liabilities (RSL). Analisis dilakukan
untuk mengukur sensitivitas pendapatan bunga bersih atas
pergerakan suku bunga.
Bank melakukan proses valuasi secara harian dari sumber yang
independen untuk seluruh instrumen yang diklasifikasikan
dalam portfolio trading book dan available for sale. Sumber
harga pasar yang digunakan, antara lain Reuters, Bloomberg,
maupun sumber sejenis.
Pemantauan terhadap risiko pasar dilaksanakan secara harian
yang memuat informasi mengenai posisi surat berharga yang
dimiliki Bank, Posisi Devisa Neto (PDN), baik PDN 30 menit
maupun PDN akhir hari, serta pemantauan limit-limit risiko
pasar lainnya, seperti Value at Risk (VaR) nilai tukar, maksimum
posisi surat berharga per issuer, seri, kategori dan maksimum
durasi per kategori surat berharga.
Kebijakan pengelolan risiko nilai tukar berpedoman pada batas
posisi devisa neto sesuai ketentuan Bank Indonesia yaitu Bank
wajib mengelola dan memelihara PDN 30 menit dan akhir
hari paling tinggi 20% dari modal titik untuk memudahkan
treasury dealer (sebagai front office) dan SKMR (sabagai middle
office) dalam melakukan pemantauan terhadap PDN, Bank
memiliki program bantu yang menginformasikan PDN terkini.
Pengembangan secara berkesinambungan terus dilakukan
terhadap kelemahan dari program bantu tersebut agar dapat
segara dilakukan perbaikan sehingga fungsinya dapat berjalan
dengan maksimal.
Pengukuran risiko pasar untuk perhitungan Kewajiban
Penyediaan Modal Minimum (KPMM) dilakukan dengan
menggunakan metode standar yang dilaporkan secara bulanan
kepada regulator. Cakupan portofolio yang dihitung dalam
KPMM adalah portofolio trading book untuk risiko suku bunga
dan portofolio trading book dan banking book untuk risiko nilai
tukar.
MANAJEMEN RISIKORisk Management
The management of interest rate risk is conducted on financial
instruments within the trading book and the banking book.
Market risk in trading book is measured by various methods,
among others the analysis of exchange rate sensitivity and Value
at Risk (VaR), which calculate the loss potential in certain period
and on certain confidence level. As for the banking book, the
interest risk is managed by analyzing the repricing gap between
Risk Sensitive Assets (RSA) and Risk Sensitive Liabilities (RSL).
The analysis is conducted to measure the sensitivity of net
interest income towards interest rate movements.
The Bank conducts an evaluation process on a daily basis from
independent sources for all instruments classified in the trading
book portfolio and available for sale. Sources of market prices
are used, among others, Reuters, Bloomberg, and other similar
sources.
Monitoring of market risk conducted on a daily basis which
contains information about the position of the Bank’s securities,
the Net Open Position (PDN), either 30 minutes PDN or PDN
end of the day, and monitoring other market risk limits, such
as Value at Risk (VaR) exchange rate, the maximum position of
the securities per the issuer, series, category and the maximum
duration for each category of securities.
Policy of foreign exchange risk management is based on the
net open position limits in accordance with Bank Indonesia
requirements that Bank shall manage and maintain NOP
maximum of 20% of the capital. To facilitate treasury dealers
(as front office) and Risk Management Working Unit (As
middle office) in monitoring the NOP, the Bank has developed
a program that can indicate the latest position of the NOP.
The development of this program is continuously done toward
the weakness of the assistive program in order to perform the
improvement immediately to maximize the function.
Market risk measurement for the calculation of the Capital
Adequacy Ratio (CAR) was performed by using standard
methods which are reported monthly to the regulator. The
scope of portfolio calculated in the KPMM is trading book
portfolio to interest rate risk and trading book portfolio and
banking book for foreign exchange risk.
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Bank telah menetapkan limit-limit untuk membatasi risiko
pasar. Untuk transaksi forex, Bank telah memiliki limit
maksimum posisi terbuka overnight dan limit proprietary forex
trading. Bank juga telah menetapkan limit Value at Risk (VaR)
nilai tukar harian sebagai batasan potensi kerugian nilai tukar
yang mampu diserap oleh kemampuan permodalan Bank,
serta sebagai pemicu internal Bank dalam mengantisipasi
kemungkinan terjadi kerugian yang lebih besar.
Untuk transaksi fixed income, Bank memiliki Anggaran Surat
Berharga yang didalamnya menetapkan sejumlah limit seperti
limit portofolio per mata uang, peringkat penerbit, limit DV-01,
dan limit cut loss. Bank Sinarmas masih terus mengembangkan
dan mengkaji ulang limit-limit risiko pasar seiring dengan
berkembangnya produk-produk serta aktivitas fungsional Bank
yang berpotensi menimbulkan risiko pasar. Selain itu, Bank
telah menyusun kebijakan terkait proses valuasi dan verifikasi
atas hasil valuasi (mark to market) terhadap portfolio obligasi
yang dimiliki Bank, di mana dalam kebijakan tersebut salah
satunya mengatur mengenai sumber data harga pasar yang
digunakan beserta beberapa prosedur yang harus dipatuhi,
serta mengatur mengenai kebijakan dan prosedur verifikasi
atas hasil valuasi yang dilakukan dengan membandingkan
current yield atas hasil valuasi dengan current yield dari hasil
present value.
Bank senantiasa memantau dan mengukur kecukupan modal
yang dialokasikan untuk menutupi potensi kerugian yang
timbul dari risiko pasar, baik risiko nilai tukar maupun risiko
suku bunga. Pengukuran dilakukan dengan skenario di mana
pergerakan nilai tukar dan suku bunga diasumsikan dalam
kondisi normal hingga kondisi terburuk.
3. RISIKO LIKuIDITAS
Risiko likuiditas berhubungan dengan adanya kemungkinan
Bank tidak mampu untuk memenuhi kewajiban terhadap
deposan, investor dan kreditur, yang diantaranya disebabkan
keterbatasan akses pendanaan atau ketidakmampuan untuk
melikuidasi aset yang dimiliki dengan harga yang wajar.
Pengelolaan risiko likuiditas merupakan salah satu aktivitas
terpenting yang dilakukan oleh bank. Pengelolaan risiko
likuiditas bertujuan untuk meminimalkan kemungkinan
ketidakmampuan Bank dalam memperoleh sumber pendanaan
arus kas.
MANAJEMEN RISIKORisk Management
The Bank has set limits to anticipate the market risk. For forex
transactions, the Bank has maximum open position limit of
overnight and limit proprietary forex trading. The Bank has
stipulate the Value at Risk (VaR) limit of daily exchange rate
as limits of the potential loss of exchange rate which can be
mitigated by the ability of bank capital, as well as the trigger for
internal bank in anticipating the heavier loss.
For fixed income transaction, the Bank has Securities Budget
in which stipulated a number of limits such as portfolio limit
per currency, issuer’s rank, DV-01 limit, and cut loss limit.
Bank Sinarmas still continues to develop and review limits of
the market risk in line with the development of products and
the Bank functional activity potential to emerge market risks.
Besides, the Bank has prepared policies related to valuation and
verification process on valuation result (mark to market) toward
obligation portfolio owned by the Bank, which in the policies,
one of which set the data source of used market price and
some procedures to comply with, as well as set policies and
verification procedure on valuation result done by comparing
the current yield from valuation result with current yield from
present value.
Coordination between business unit (as front office) and Risk
Management Unit (as middle office) is improved continuously
so if there is any things that potentially emerge risk for the
Bank, it will be identified and followed up immediately.
3. LIQuIDITY RISK
Liquidity risk relates to the possibility that the Bank is unable to
meet obligations to depositors, investors and creditors, some
of which were caused by limited funding access or inability
to liquidate assets at a reasonable price. The management of
liquidity risk is one of the most significant activities conducted by
the bank. Liquidity risk is managed to minimize the possibility of
the Bank’s inability in obtaining source of fund for cash flows.
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Salah satu upaya yang dilakukan Bank untuk memitigasi
terjadinya risiko likuiditas adalah dibentuknya tim Aset
Liability Management (ALMA) yang berfungsi mengelola dan
memonitor struktur Aset dan kewajiban serta membuat strategi
pendanaan Bank.
Pemantauan terhadap likuiditas Bank dilakukan secara berkala
yang di dalamnya memuat informasi mengenai pergerakan
Dana Pihak Ketiga, cashflow, Indikator Contingency Funding
Plan, serta rasio-rasio likuiditas seperti Giro Wajib Minimum,
Loan to Deposit Ratio, Secondary Reserve, Rasio Deposan Inti
terhadap Total Dana Pihak Ketiga, dan Rasio Alat Likuid serta
pemantauan terhadap posisi core fund dan maturity profile.
Untuk memitigasi penarikan dana yang cukup signifikan Bank
menjaga kecukupan Secondary Reserve dan rasio Alat Likuid
pada level yang aman. Mitigasi risiko likuiditas juga dilakukan
dengan cara mengawasi arus kas oleh treasury yang mempunyai
akses serta wewenang untuk memasuki pasar antar bank
maupun non bank untuk melakukan aktivitas placing maupun
taking. Maturity profile juga merupakan salah satu pengukuran
yang dilakukan Bank untuk melihat gap likuiditas dalam skala
waktu tertentu berdasarkan sisa waktu sampai dengan jatuh
tempo. Bank telah melakukan kaji ulang pada pengukuran
maturity profile dengan mempertimbangkan behavior Dana
Pihak Ketiga serta menetapkan maturity gap limit baik untuk
contractual maturity profile maupun behavior maturity profile.
Dalam menghadapi kondisi krisis likuiditas, Bank telah
menyusun dokumen Contingency Funding Plan. Contingency
Funding Plan mencakup kebijakan, strategi, prosedur dan
rencana tindak (action plan) untuk memastikan kemampuan
Bank memperoleh sumber pendanaan yang diperlukan secara
tepat waktu dan dengan biaya yang wajar. Dokumen tersebut
disosialisasikan kepada unit-unit terkait agar masing-masing
dapat memahami tugas dan tanggung jawabnya masing-
masing.
Pada dasarnya, risiko likuiditas dikelola sesuai dengan kerangka
kebijakan, pengawasan, dan batasan yang memastikan bahwa
konsentrasi pendanaan bersifat minimal, sumber dan jangka
waktu pendanaan telah terdiversifikasi. Bank juga secara
proaktif mengelola basis simpanan inti dan memastikan bahwa
batas likuiditas yang ada dipatuhi.
MANAJEMEN RISIKORisk Management
One of the strategies conducted by the Bank to mitigate the
occurrence of liquidity risk is by establishing Asset Liability
Management (ALMA) team which functions to manage
and monitor the structure of asset and obligation as well as
preparing the Bank’s funding strategy.
The Bank liquidity is monitored periodically and the report of
the monitoring is submitted to the Management. The report
contains information about Third Party Fund, cash flow,
Contingency Funding Plan Indicators, liquidity ratios such as
Statutory Reserves, Loan to Deposit Ratio, Secondary Reserve,
Ratio of Largest Customers to Total Third Party Fund and
Liquidity ratio as well as monitoring on the core fund position
and maturity profile. To mitigate a quite significant fund
withdrawal, the Bank maintains the adequacy of Secondary
Reserve and Liquidity at the safe level. Liquidity risk mitigation
is conducted by monitoring cash flow by Treasury that has
direct access to large customers as well as having the access
and authority to enter into banking market or non banking
market in order to conduct placing or taking activities. Maturity
profile is also one of the Bank’s measures to monitor liquidity
gap within a certain frame of time based on the remaining
period to maturity. The Bank has conducted review on the
measurement of maturity profile by considering the behavior of
Third Party Fund and determining maturity gap limit, both for
the contractual maturity profile and behavior maturity profile.
In order to face liquidity crisis condition, the Bank has formulated
a Contingency Funding Plan document. The Contingency
Funding Plan includes policy, strategies, procedures and action
plan to ensure the Bank’s ability to obtain necessary funding
sources in a timely manner with reasonable cost. The document
is disseminated to related units in order to understand the
duties and responsibilities of each working unit.
Basically, liquidity risk is managed in accordance with policy
framework, surveillance, and restrictions, which ensure that the
funding concentration is at minimal level and funding resources
and period have been diversified. The bank also proactively
manages core deposit base and ensures that the existing
liquidity limits are complied.
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4. RISIKO OPERASIONAL
Risiko operasional dapat disebabkan karena ketidakcukupan
dan/atau tidak berfungsinya proses internal, kesalahan
manusia, kegagalan sistem, atau adanya faktor eksternal yang
mempengaruhi operasional Bank.
Pengelolaan risiko operasional didukung dengan struktur
organisasi Bank yang antara lain meliputi:
• Kewenangan Direksi dan Komisaris, seperti memastikan
bahwa seluruh kebijakan terkait dengan risiko operasional
telah sesuai dengan strategi manajemen risiko Bank
serta menumbuhkan komitmen dalam mengelola Risiko
operasional sesuai dengan strategi bisnis Bank.
•
• Komite Manajemen Risiko, memastikan bahwa framework
manajemen risiko yang disusun dapat memitigasi potensi
risiko yang akan dihadapi oleh Bank.
• Satuan Kerja Manajemen Risiko (SKMR), memastikan
bahwa potensi risiko yang dihadapi oleh Bank telah
diidentifikasi, diukur, diawasi dan dikendalikan sesuai
dengan strategi manajemen risiko. SKMR juga memberikan
analisis serta rekomendasi terhadap adanya ekposur potensi
risiko operasional sehingga potensi risiko tersebut dapat
dimitigasi.
• Satuan Kerja Audit Internal (SKAI), memastikan bahwa
risiko bisnis yang dihadapi telah dikelola dengan baik serta
memastikan kefektifan pelaksanaan manajemen risiko dan
internal kontrol oleh unit-unit bisnis.
• Branch Internal Control, memastikan bahwa keefektifan
fungsi internal kontrol pada kantor cabang, sehingga dapat
memitigasi potensi risiko operasional.
• Unit Kerja, merupakan risk owner yang bertanggung
jawab untuk pengelolaan manajemen risiko pada aktivitas
operasional harian.
Salah satu alat untuk mengidentifikasi dan mengukur risiko
operasional adalah melalui Risk Control Self Assessment (RCSA).
RCSA yang diimplementasikan pada 2011, merupakan metode
yang digunakan untuk mengidentifikasi dan menguantifikasi
risiko operasional yang terdapat pada seluruh unit kerja Bank.
Fungsi lain dari RCSA adalah meningkatkan risk awareness
kepada seluruh unit kerja terhadap risiko operasional.
Terkait dengan hal tersebut, dalam rangka meningkatkan
penerapan pelaksanaan RCSA, saat ini Bank telah mulai
MANAJEMEN RISIKORisk Management
4. OPERATIONAL RISK
Operational risk may arise due to the inadequacy and/or
malfunction of internal process, human error, system failure, or
any external factor that influences the Bank’s operations.
Operational risk management is supported by the Bank’s
organization structure, which includes:
• Authority of the Board of Directors and Board of
Commissioners, such as ensuring that all policies related
to the operational risk have been in accordance with the
Bank’s risk management strategy as well as developing
commitment to manage operational Risk in accordance
with the Bank’s business strategies.
• Risk Management Committ, ensuring that the drafted
framework of risk management will be able to mitigate risk
potential that may be faced by the Bank.
• Risk Management Wotk Unit (SMKR), ensuring that risk
potential that may be faced by the Bank has been identified,
measured, monitored, and controlled in accordance
with the risk management strategy. The SKMR will also
provide analysis and recommendation on the exposure of
operational risk so that the potential risk may be mitigated.
• Internal Audit Work Unit (SKAI), ensuring that business
risks faced by the Bank has been well managed, as well as
ensuring the effectiveness of risk management and internal
control implementation by business units.
• Branch Internal Control, ensuring the effectiveness of
internal control function in branch offices, so as to be able
to mitigate operational risk potential.
• WorkUnit,istheriskownerwhoisresponsibleformanaging
risk in it routine operations.
One of the measurement tools developed to identify and
measure operational risk is the Risk Control Self Assessment
(RCSA). In 2011, the RCSA that was implemented was used as
a method to identify and quantify operational risk that existed
in all work units of the Bank. Other function of RCSA was to
improve risk awareness of all work units towards operational
risk.
Pertaining to this matter, as an effort to improve the
implementation of RCSA, the Bank currently develops a more
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mengembangkan prosedur pelaksanaan RCSA yang lebih
efektif dan terintegrasi sehingga dapat mengidentifikasi dan
mengukur risiko operasional dengan lebih detail.
Di samping itu, Bank juga membangun dan mengembangkan
perangkat risiko operasional lainnya seperti Loss Event Database
(LED) yang bertujuan untuk menyusun database atas kejadian-
kejadian yang terjadi sebagai akibat risiko operasional untuk
mengukur besarnya kerugian yang diakibatkan oleh kejadian
operasional tersebut. Sebagai bagian dari proses pengukuran
risiko operasional, diharapkan melalui LED tersebut, Bank dapat
mulai menguantifikasi besarnya modal yang diperlukan untuk
melindungi kerugian-kerugian yang diakibatkan oleh kejadian-
kejadian dalam aktivitas operasional Bank.
Untuk memitigasi potensi risiko operasional, terdapat sejumlah
hal yang dilakukan oleh Bank, antara lain:
• Melakukan kaji ulang terhadap kebijakan, prosedur serta
limit yang dimiliki oleh Bank, baik untuk kebijakan yang
sudah lama diberlakukan maupun kebijakan yang baru
akan diberlakukan.
• Adanya pengembangan rencana Business Continuity
Management yang terintegrasi untuk memastikan bahwa
aktivitas operasional tetap dapat dilaksanakan meskipun
terdapat potensi risiko operasional yang cukup besar.
• Adanya penerapan Strategi Anti Fraud oleh Divisi Anti Fraud
yang berfungsi untuk mengendalikan risiko fraud, baik dari
internal maupun eksternal. Penerapan strategi anti fraud
juga didukung oleh kebijakan serta sistem yang digunakan,
seperti Fraud Detection System untuk Kartu Kredit, Fraud
Detection System untuk Merchant Business Acquiring serta
Fraud Detection System untuk Kartu Debit yang baru akan
dikembangkan.
• Pelaksanaan pengawasan internal yang memadai, antara
lain melalui pemisahan yang jelas terhadap tugas dan
tanggung jawab (four eyes principle), serta sistem rotasi
dan mutasi untuk memitigasi potensi fraud yang dilakukan
oleh petugas internal Bank.
• Bank juga memiliki Tim Task Force “Peningkatan Kualitas
Kinerja Bank” yang memiliki tujuan untuk melakukan
perbaikan kinerja pada seluruh aktivitas Perusahaan. Melalui
Tim Task Force tersebut, Bank dapat semakin meningkatkan
sistem pengendalian internal serta sekaligus sebagai wadah
untuk meningkatkan budaya sadar risiko.
MANAJEMEN RISIKORisk Management
effective and integrated RCSA implementation procedure so
as to be able to identify and measure operational risk in more
detail.
In addition, the Bank has developed other operational risk tool
such as the Loss Event Database (LED) which aims to compile
a database of events that occur as a result of operational risk
and measure the amount of loss caused by the events. As
part of the operational risk measurement process, through
the LED, the Bank is expected start quantifying the amount of
capital required to cover losses caused by events in the Bank
operational activities.
To mitigate the potential of operational risk, there are several
actions taken by the Bank, such as:
• Reviewingthepolicies,procedures,andlimitsownedbythe
Bank, either for the established policies or new policies to
be implemented.
• Developing integrated Business Continuity Management
plan in order to ensure that operational activities will
continue to be implemented despite the wide gap in the
potential of operational risk.
• Implementing Anti Fraud Strategy by Anti Fraud Division
which functions to control fraud risk, either internally or
externally. The implementation of anti fraud strategy is also
supported by the policy and system used, such as Fraud
Detection System for Credit Card, Fraud Detection System
for Merchant Business Acquiring as well as Fraud Detection
System for Debit Card that will be developed.
• Implementinganadequateinternalsupervision,suchasby
conducting clear separation on duties and responsibilities
(four eyes principle), as well as rotation and mutation
system to mitigate fraud potential conducted by the Bank’s
internal employee.
• EstablishingTaskForce team“Improvementof theBank’s
Performance Quality” which aims to conduct improvement
on the performance of all activities of the Company.
Through the Task Force team, the Bank will be able improve
internal control system as well as ser ving as the medium to
enhance risk awareness culture.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014232
5. RISIKO huKuM
Risiko hukum diidentifikasi sebagai risiko yang timbul dari
kelemahan aspek hukum, antara lain akibat dari tindakan
hukum, tidak adanya peraturan yang mendukung atau
kelemahan dari ketentuan-ketentuan yang mengikat secara
hukum, seperti kegagalan untuk mematuhi persyaratan hukum
suatu perjanjian dan celah-celah dalam pengikatan jaminan.
Perkembangan dan dinamika transaksi memerlukan
peningkatan optimalisasi atas peran dan fungsi Legal yang ada.
Oleh karena itu, peran dan fungsi legal yang sebelumnya berada
di kantor cabang tertentu dirubah menjadi Legal dan Duta
Compliance di kantor wilayah dengan memberikan peranan
yang lebih luas. Selain berperan sebagai Legal Counselor, Legal
juga bertindak sebagai Duta Compliance yang memberikan
sosialisasi legal dan compliance awareness kepada karyawan
kantor cabang yang berada di wilayahnya.
Pelaksanaan identifikasi, pengukuran, dan pemantauan
terhadap potensi risiko hukum dilaksanakan terhadap seluruh
aktivitas Bank, terutama kegiatan operasional Bank dengan
melibatkan pihak ketiga yang memiliki potensi benturan
kepentingan atau gugatan hukum. Bentuk dari identifikasi,
pengukuran, dan pemantauan tersebut, antara lain melalui
evaluasi kebijakan dan prosedur serta terhadap perjanjian
kerjasama.
Dalam setiap aktivitas, baik perkreditan, operasional maupun
treasury, Bank juga selalu memperhatikan kelengkapan aspek
hukum terutama yang berkaitan dengan aktivitas perikatan
perjanjian dengan nasabah atau debitur dan kelengkapan
dokumen legalitas sebagai bentuk pengendalian risiko. Selain
itu pula penempatan Legal Counselor yang berkewajiban untuk
memberikan sosialisasi serta memastikan setiap kegiatan telah
mendapat kajian dari sisi hukum.
6. RISIKO STRATEJIK
Secara umum, risiko stratejik adalah potensi kerugian yang
ditimbulkan akibat ketidaktepatan dalam pembuatan dan
pelaksanaan suatu keputusan stratejik, serta kegagalan Bank
dalam menanggapi perubahan lingkungan bisnis.
Selama 2014, Bank meningkatkan berbagai kerja sama
dengan pihak ketiga sebagai bagian dari strategi Bank dalam
MANAJEMEN RISIKORisk Management
5. LEGAL RISK
Legal risk is identified as risk that occurs due to theweakness of
legal aspect such as the result of any legal act, lack of supporting
law or weakness of requirements that are legally binding such
as failure to comply with legal requirements of an agreement,
and loopholes in collateral bindings.
The development and dynamics of transaction require
optimization of the established legal roles and functions. Hence,
the previous legal roles and functions which existed in ceratin
branch offices are transformed into Legal and Compliance
Ambassador in regional office with a wider scoope of duty. In
addition to serving as Legal Counselor the Legal department
also serves as Compliance Ambassador that is responsible
for disseminating legal and compliance awareness to the
employees of branch offices in their regions.
Implementation of identification, measurement, and monitoring
of potential legal risks is undertaken to all of the Bank’s activities,
especially the Bank’s operational activities, by involving third
parties, which are prone to have conflict of interest or potential
litigation. The forms of identification measurement and
monitoring are, among others, the evaluation of policies and
procedure as well as on the partnership agreement.
In all of its activities, such as lending, operations, and treasury,
the bank always takes into account the completeness of
the legal aspect, particularly the ones that are related to the
commitment to customers or debitors, and completeness of
legal documents as the form of risk control. Furthermore, the
function of Legal Counsellor who is obliged to disseminate
and ensureall activities have been reviewed legally has been
implemented in all levels of organization in the Bank.
6. STRATEGIC RISK
In general, strategic risk is the loss potential that may arise
due to the inaccuracies in the preparation and implementation
of a strategic decision, as well as the failure of the Bank in
responding to the changes in business environment.
During 2014, the continued to improve various cooperations
with third parties as a part of Bank’s strategy in increasing
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
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Laporan Keuangan KonsolidasiConsolidated Financial Statement
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meningkatkan Fee Based Income. Selain itu, demi mendukung
kebijakan serta strategi yang telah disusun oleh Bank sesuai
Visi dan Misi, maka Bank bekerja sama dengan pihak ketiga
penyedia jasa konsultasi untuk meningkatkan kualitas tenaga
marketing, menggalakkan bussiness partner, meningkatkan
transaksi melalui layanan payment system & Electronic
Banking, mengembangkan Micro Banking, serta meningkatkan
efektivitas terhadap pelaksanaan operasional Bank.
Sebagai langkah dalam memitigasi terjadinya potensi risiko
stratejik, Bank telah menyusun strategi dan rencana bisnis
yang sebelumnya telah didiskusikan dengan Dewan Komisaris,
Direksi serta seluruh management Bank. Bank juga melakukan
kajian dan evaluasi stratejik bisnis serta realisasi yang telah
dicapai oleh Bank sesuai dengan yang terangkum dalam
Rencana Bisnis Bank (RBB).
7. RISIKO KEPATuhAN
Risiko kepatuhan merupakan risiko yang timbul ketika Bank
tidak mematuhi atau tidak melaksanakan peraturan perundang-
undangan dan ketentuan hukum lain yang berlaku.
Bank secara berkala menyempurnakan kebijakan dan prosedur
serta limit-limit yang mengacu kepada ketentuan regulator
serta institusi terkait lainnya (Menteri Keuangan, Otoritas Jasa
Keuangan, Peraturan Pemerintah, Undang-Undang Perbankan,
dan lainnya). Kebijakan, prosedur, dan limit tersebut dilakukan
kajian kembali untuk dievaluasi kesesuaiannya dengan skala
dan kompleksitas Bank serta untuk meningkatkan kehati-
hatian dan mitigasi risiko kepatuhan.
Dalam rangka menerapkan manajemen risiko kepatuhan yang
efektif, Bank Sinarmas melakukan identifikasi dan pengelolaan
terhadap faktor-faktor yang dapat menyebabkan meningkatnya
eksposur risiko kepatuhan, antara lain:
• Penerapan Good Corporate Governance (GCG) secara
efektif untuk memastikan dan memantau kepatuhan
terhadap setiap peraturan dan persyaratan secara eksternal
maupun internal.
• Melakukan pemantauan terhadap setiap perubahan
ketentuan peraturan dan perundang-undangan yang
berlaku serta memastikan penerapannya di lingkungan
Bank.
MANAJEMEN RISIKORisk Management
fee-based income. In addition, to support the policies and
strategies drafted by the Bank in accordance with the Vision
and Mission, the Bank cooperated with third parties which
offered consultation services in order to improve the quality
of marketing department, encouraging business partners,
improving transactions through payment system and Electronic
Banking, developing Micro Banking, as well as enhancing the
effectiveness of the Bank’ operatios.
As one of the steps in mitigating strategic risk, the bank has
drafted business strategies and plans that Had been discussed
beforehand with the Board of Commissioners, Board of
Directors and all managements of the Bank. Review and
evaluation of strategic risk are also continued to be conducted
by the Bank, as well as the realizations that had been achieved
as summarized in the Bank’s Business Plan.
7. COMPLIANCE RISK
Compliance risk is defined as risk that occurs when the Bank
does not comply with or implement the existing and applicable
laws and regulations.
The Bank periodically improves policies and procedures, as
well as the limits that refer to the provisions of regulator and
other related institutions (Minister of Finance, Financial Services
Authority, Government Regulation, Banking Laws, and others).
The policies, procedures, and limits are periodically reviewed to
evaluate the compliance with the scale and complexity of the
Bank as well as to enhance prudent principles and compliance
risk mitigation.
In order to implement compliance risk management effectively,
Bank Sinarmas identifies and manages factors that are prone to
increase exposures to compliance risk, such as:
• Implementing Good Corporate Governance (GCG)
effectively to ensure and monitor compliance to each
regulation and requirement both externally and internally.
• Monitoringeverychangeinanyregulationandexistinglaw
to ensure its application in Bank environment.
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• Melakukan penilaian secara aktif dan berkala terhadap
kecukupan kebijakan Pedoman dan Prosedur Internal
yang dimiliki oleh Bank untuk memastikan kesesuaiannya
terhadap peraturan dan perundang-undangan yang
berlaku.
• Melakukan identifikasi dan analisis kepatuhan (compliance
analysis) atas rencana dan pengembangan produk dan
aktivitas baru guna memastikan kepatuhannya terhadap
peraturan dan perundang-undangan yang berlaku.
8. RISIKO REPuTASI
Risiko reputasi dapat timbul akibat adanya pemberitaan negatif
yang menyangkut operasional Bank atau persepsi negatif
tentang Bank.
Dalam rangka memenuhi kebutuhan akan pengelolaan risiko
reputasi yang memadai, Bank antara lain memiliki unit kerja
sebagai berikut:
• Customer Care, memberikan layanan informasi perbankan
serta menerima keluhan atau pengaduan nasabah,
• Corporate Secretary, memberikan informasi yang perlu
disampaikan kepada publik atau Stakeholders terkait
aktivitas Bank,
• Petugas Bank di kantor-kantor cabang yang setiap saat
dapat memberikan informasi kepada nasabah.
Selain itu, pengendalian risiko reputasi juga dilakukan antara
lain dengan melalui pemantauan yang dilakukan oleh Unit Kerja
Corporate Secretary terhadap berita yang berkaitan dengan
Bank Sinarmas di media massa, serta secara aktif melakukan
Corporate Social Responsibility yang dilaksanakan di bidang
pendidikan dan kesehatan.
Transparansi produk yang ditawarkan kepada nasabah sesuai
dengan Peraturan Bank Indonesia mengenai Transparansi
produk melalui website Bank, serta upaya peningkatkan
standar layanan nasabah dengan melakukan training service
excellence kepada petugas Bank.
Bank juga telah mentransparasikan tata cara penanganan
pengaduan nasabah dan penyelesaian sengketa kepada kantor
cabang atau unit kerja serta kepada nasabah sesuai ketentuan
Bank Indonesia tentang Pengaduan Nasabah dan Mediasi
Perbankan, termasuk dalam hal apabila terjadi krisis.
MANAJEMEN RISIKORisk Management
• Assessingactivelyand regularlyonadequacyof theBank
Internal Guidelines and Procedures to ensure its compliance
with the existing laws and regulations.
• Conducting identification and compliance analysis on
plan to develop new products and activities to ensure its
compliance with the existing laws and regulations.
8. REPuTATION RISK
Reputation risk may occur from any negative report related to
the operations of the Bank or any negative perception towards
the Bank.
To meet the needs for proper management of reputation risk,
the Bank established work units as follows:
• ContactCenter,providesbankinginformationserviceand
receive complaints from the customers,
• CorporateSecretary,providesnecessaryinformationtothe
public/stakeholders related to the Bank’s activities.
• Bank’sofficersatbranchofficestoprovideinformationto
customers at any given time.
Furthermore, the reputation risk control is carried out by
Corporate Secretary Division through monitoring of news
related to the Bank in the media, as well as actively perform
Corporate Social Responsibility Program in the field of health
and education.
Transparency of products offered to customers had been
in accordance with Bank Indonesia’s Regulation regarding
Transparency of products through Bank’s website, as well
as further improvement of customer service standards by
conducting training service excellence for the Bank’s officers.
To facilitate internal coordination, the Bank has provided
customer complaints handling procedures and dispute
resolution to the branch office / work units in case of dispute.
The Bank also has provided procedures for customer complaints
and resolved disputes according to Bank Indonesia requirements
on Customer Complaints and Banking Mediation in the event
of a crisis.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 235
No. Kategori Portofolio
Portfolio Category31 Desember 2014 31 Desember 2013
(1) (2) (3) (4)
I A KOMPONEN MODAL / CAPITAL COMPONENT 2.850.101 2.528.077
1 Modal disetor / Paid-up Capital 1.404.017 1.311.688
2 Cadangan Tambahan Modal / Additional Capital Reserves 1.446.084 1.216.389
3 Modal Inovatif / Innovative Capital 0 0
4 Faktor Pengurang Modal Inti / Factors Reducing Core Capital 0 0
5 Kepentingan Non Pengendali / Non-Controlling Interests 0 0
B Modal Pelengkap / Supplementary Capital 126.838 109.420
1 Level Atas (Upper Tier 2) / Upper Tier 2 126.838 109.420
2 Level Bawah (Lower Tier 2) maksimum 50% Modal Inti / Lower Tier 2 Maximum 50% of Core Capital
0 0
3 Faktor Pengurang Modal Pelengkap / Factors Reducing Supplementary Capital
0 0
C Faktor Pengurang Modal Inti dan Modal Pelengkap / Factors Reducing Core Capital and Supplementary Capital
0 0
Eksposur Sekuritisasi / Securitization Exposure 0 0
D Modal Pelengkap Tambahan Yang Memenuhi Persyaratan (Tier 3) / Additional Supplementary Capital that Satisfies Requirements (Tier 3)
0 0
E MODAL PELENGKAP TAMBAHAN YANG DIALOKASIKAN UNTUK MENGANTISIPASI RISIKO PASAR / ADDITIONAL SUPPLEMENTARY CAPITAL ALLOCATED TO ANTICIPATE MARKET RISKS
0 0
IITOTAL MODAL INTI DAN MODAL PELENGKAP (A + B -C) / TOTAL CORE CAPITAL AND SuPPLEMENTARY CAPITAL (A+B-C)
2.976.939 2.637.497
III
TOTAL MODAL INTI, MODAL PELENGKAP,DAN MODAL PELENGKAP TAMBAhAN YANG DIALOKASIKAN uNTuK MENGANTISIPASI RISIKO PASAR (A + B -C + E) / TOTAL CORE CAPITAL, SuPPLEMENTARY CAPITAL, AND ADDITIONAL SuPPLEMENTARY CAPITAL ALLOCATED TO ANTICIPATE MARKET RISK (A+B-C+E)
2.976.939 2.637.497
IVASET TERTIMBANG MENuRuT RISIKO (ATMR) uNTuK RISIKO KREDIT / RISK wEIGhTED ASSETS (RwA) FOR CREDIT RISKS
14.291.449 10.384.365
VASET TERTIMBANG MENuRuT RISIKO (ATMR) uNTuK RISIKO OPERASIONAL / RISK wEIGhTED ASSETS (RwA) FOR OPERATIONAL RISKS
1.832.145 1.490.878
VIASET TERTIMBANG MENuRuT RISIKO (ATMR) uNTuK RISIKO PASAR / RISK wEIGhTED ASSETS (RwA) FOR MARKET RISKS
A Metode Standar / Standardized Approach 73.526 213.655
B Model Internal / Internal Model 0 0
VII
RASIO KEwAJIBAN PENYEDIAAN MODAL MINIMuM uNTuK RISIKO KREDIT, RISIKO OPERASIONAL DAN RISIKO PASAR [III : (IV + V + VI)] / RATIO OF MINIMuM CAPITAL ALLOCATIONS FOR CREDIT RISKS, OPERATIONAL RISKSK, AND MARKET RISKS [III : (IV+V+VI)]
18,38% 21,82%
Tabel 1.a Pengungkapan Kuantitatif Struktur Permodalan Bank Umum
Table 1.a Quantitative Disclosure on the Capital Structure of Public Bank
(Dalam jutaan Rupiah / In million Rupiah)
Laporan ManajemenReport of Management
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Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014236
No. Kategori PortofolioPortfolio Category
31 Desember 2014 31 Desember 2014
Tagihan Bersih Berdasarkan wilayah Net Claims per Region
Tagihan Bersih Berdasarkan wilayah Net Claims per Region
wilayah - 01 / Region - 01
wilayah - 02 / Region - 02
wilayah - 03 / Region - 03
wilayah - 04 / Region - 04
wilayah - 05 / Region - 05
wilayah - 06 / Region - 06
wilayah - 07 / Region - 07
wilayah - 08 / Region - 08
wilayah - 09 / Region - 09
wilayah - 10 / Region - 10
wilayah - 11 / Region - 11
wilayah - 012 / Region
- 12 Total
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (07) (11) (12) (13) (14)
01Tagihan kepada Pemerintah / Claims against Government
0 0 0 3.853.974 0 0 0 0 0 0 0 0 3.853.974
02Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities
0 0 0 17.613 0 0 0 0 0 0 0 0 17.613
03
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0 0 0 0 0 0
04Tagihan kepada Bank / Claims against Bank
5.015 3 433 1.048.123 0 396 0 75 0 89.758 0 87.158 1.230.961
05Kredit Beragun Rumah Tinggal / Collateralized Housing Loans
200 2.174 0 749 0 215 433 0 0 0 883 1.611 6.265
06Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans
0 25.419 290 0 0 3.348 0 0 0 0 760 0 29.817
07Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners
7.060 2.670 4.147 0 73 4.554 4.153 3.230 1.480 4.522 3.395 2.571 37.854
08Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
648.171 288.009 89.514 708.037 431.389 701.725 380.178 289.371 214.460 193.658 109.337 118.856 4.172.703
09Tagihan kepada Korporasi / Claims against Corporations
114.719 67.288 2.735 8.373.718 48.867 86.948 25.720 134.560 99.777 39.471 853 247.069 9.241.725
10Tagihan yang Telah Jatuh Tempo / Mature Claims
9.073 5.780 620 116.352 1.540 14.236 10.373 6.173 2.441 19.508 3.238 2.557 191.890
11 Aset Lainnya / Other Assets 0 0 0 1.678.967 0 0 0 0 0 0 0 0 1.678.967
12Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available)
0 0 0 1.973.094 0 0 0 0 0 0 0 0 1.973.094
Total 784.237 391.344 97.737 17.770.628 481.868 811.423 420.856 433.410 318.158 346.917 118.466 459.822 22.434.864
Tabel 2.1.a Pengungkapan Tagihan Bersih Berdasarkan Wilayah-Bank Secara Individual
Table 2.1.a Disclosure of Net Claims per Region - Bank Unconsolidated
(Dalam jutaan Rupiah / In million Rupiah)
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 237
No. Kategori PortofolioPortfolio Category
31 Desember 2014 31 Desember 2014
Tagihan Bersih Berdasarkan wilayah Net Claims per Region
Tagihan Bersih Berdasarkan wilayah Net Claims per Region
wilayah - 01 / Region - 01
wilayah - 02 / Region - 02
wilayah - 03 / Region - 03
wilayah - 04 / Region - 04
wilayah - 05 / Region - 05
wilayah - 06 / Region - 06
wilayah - 07 / Region - 07
wilayah - 08 / Region - 08
wilayah - 09 / Region - 09
wilayah - 10 / Region - 10
wilayah - 11 / Region - 11
wilayah - 012 / Region
- 12 Total
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (07) (11) (12) (13) (14)
01Tagihan kepada Pemerintah / Claims against Government
0 0 0 3.853.974 0 0 0 0 0 0 0 0 3.853.974
02Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities
0 0 0 17.613 0 0 0 0 0 0 0 0 17.613
03
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0 0 0 0 0 0
04Tagihan kepada Bank / Claims against Bank
5.015 3 433 1.048.123 0 396 0 75 0 89.758 0 87.158 1.230.961
05Kredit Beragun Rumah Tinggal / Collateralized Housing Loans
200 2.174 0 749 0 215 433 0 0 0 883 1.611 6.265
06Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans
0 25.419 290 0 0 3.348 0 0 0 0 760 0 29.817
07Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners
7.060 2.670 4.147 0 73 4.554 4.153 3.230 1.480 4.522 3.395 2.571 37.854
08Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
648.171 288.009 89.514 708.037 431.389 701.725 380.178 289.371 214.460 193.658 109.337 118.856 4.172.703
09Tagihan kepada Korporasi / Claims against Corporations
114.719 67.288 2.735 8.373.718 48.867 86.948 25.720 134.560 99.777 39.471 853 247.069 9.241.725
10Tagihan yang Telah Jatuh Tempo / Mature Claims
9.073 5.780 620 116.352 1.540 14.236 10.373 6.173 2.441 19.508 3.238 2.557 191.890
11 Aset Lainnya / Other Assets 0 0 0 1.678.967 0 0 0 0 0 0 0 0 1.678.967
12Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available)
0 0 0 1.973.094 0 0 0 0 0 0 0 0 1.973.094
Total 784.237 391.344 97.737 17.770.628 481.868 811.423 420.856 433.410 318.158 346.917 118.466 459.822 22.434.864
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014238
No. Kategori PortofolioPortfolio Category
31 Desember 2013 31 Desember 2013
Tagihan Bersih Berdasarkan wilayah Net Claims per Region
Tagihan Bersih Berdasarkan wilayah Net Claims per Region
wilayah - 01 / Region - 01
wilayah - 02 / Region - 02
wilayah - 03 / Region - 03
wilayah - 04 / Region - 04
wilayah - 05 / Region - 05
wilayah - 06 / Region - 06
wilayah - 07 / Region - 07
wilayah - 08 / Region - 08
wilayah - 09 / Region - 09
wilayah - 10 / Region - 10
wilayah - 11 / Region - 11
wilayah - 012 / Region
- 12 Total
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (07) (11) (12) (13) (14)
01Tagihan kepada Pemerintah / Claims against Government
0 0 0 3.408.598 0 0 0 0 0 0 0 0 3.408.598
02Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities
0 0 0 21.062 0 0 0 0 0 0 0 0 21.062
03
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0 0 0 0 0 0
04Tagihan kepada Bank / Claims against Bank
3 30.468 140 1.411.017 0 1.151 0 0 0 93.732 0 69.947 1.606.458
05Kredit Beragun Rumah Tinggal / Collateralized Housing Loans
286 920 0 0 0 1.821 37 268 0 351 177 0 3.860
06Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans
0 30.367 0 0 0 16.998 2.920 0 0 0 0 0 50.286
07Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners
10.221 3.964 6.385 0 191 6.715 6.208 6.618 2.424 6.867 4.642 3.417 57.653
08Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
458.390 308.589 110.805 1.267.067 423.791 785.461 462.757 329.375 218.577 219.947 114.210 164.686 4.863.654
09Tagihan kepada Korporasi / Claims against Corporations
265.828 309.653 0 4.024.506 604.168 73.649 23.204 136.173 2.518 54.232 0 205.755 5.699.685
10Tagihan yang Telah Jatuh Tempo / Mature Claims
4.734 2.293 1.602 24.406 0 6.304 2.978 4.590 1.461 3.060 1.327 163 52.916
11 Aset Lainnya / Other Assets 0 0 0 1.379.874 0 0 0 0 0 0 0 0 1.379.874
12Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available)
0 0 0 1.271.209 0 0 0 0 0 0 0 0 1.271.209
Total 739.461 686.254 118.931 12.807.739 1.028.150 892.099 498.104 477.025 224.980 378.188 120.356 443.968 18.415.255
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 239
No. Kategori PortofolioPortfolio Category
31 Desember 2013 31 Desember 2013
Tagihan Bersih Berdasarkan wilayah Net Claims per Region
Tagihan Bersih Berdasarkan wilayah Net Claims per Region
wilayah - 01 / Region - 01
wilayah - 02 / Region - 02
wilayah - 03 / Region - 03
wilayah - 04 / Region - 04
wilayah - 05 / Region - 05
wilayah - 06 / Region - 06
wilayah - 07 / Region - 07
wilayah - 08 / Region - 08
wilayah - 09 / Region - 09
wilayah - 10 / Region - 10
wilayah - 11 / Region - 11
wilayah - 012 / Region
- 12 Total
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (07) (11) (12) (13) (14)
01Tagihan kepada Pemerintah / Claims against Government
0 0 0 3.408.598 0 0 0 0 0 0 0 0 3.408.598
02Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities
0 0 0 21.062 0 0 0 0 0 0 0 0 21.062
03
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0 0 0 0 0 0
04Tagihan kepada Bank / Claims against Bank
3 30.468 140 1.411.017 0 1.151 0 0 0 93.732 0 69.947 1.606.458
05Kredit Beragun Rumah Tinggal / Collateralized Housing Loans
286 920 0 0 0 1.821 37 268 0 351 177 0 3.860
06Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans
0 30.367 0 0 0 16.998 2.920 0 0 0 0 0 50.286
07Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners
10.221 3.964 6.385 0 191 6.715 6.208 6.618 2.424 6.867 4.642 3.417 57.653
08Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
458.390 308.589 110.805 1.267.067 423.791 785.461 462.757 329.375 218.577 219.947 114.210 164.686 4.863.654
09Tagihan kepada Korporasi / Claims against Corporations
265.828 309.653 0 4.024.506 604.168 73.649 23.204 136.173 2.518 54.232 0 205.755 5.699.685
10Tagihan yang Telah Jatuh Tempo / Mature Claims
4.734 2.293 1.602 24.406 0 6.304 2.978 4.590 1.461 3.060 1.327 163 52.916
11 Aset Lainnya / Other Assets 0 0 0 1.379.874 0 0 0 0 0 0 0 0 1.379.874
12Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available)
0 0 0 1.271.209 0 0 0 0 0 0 0 0 1.271.209
Total 739.461 686.254 118.931 12.807.739 1.028.150 892.099 498.104 477.025 224.980 378.188 120.356 443.968 18.415.255
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014240
Tabel 2.2.a. Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Individual
Table 2.2.a. Disclosure of Net Claims by Remaining Contract Time - Bank Unconsolidated
No. Kategori Portofolio
Portfolio Category
31 Desember 2014
Tagihan bersih berdasarkan sisa jangka waktu kontrak Net claims by remaining contract time
< 1 tahun / year
>1 thn s.d. 3 thn / >1
year - 3 years
>3 thn s.d. 5 thn / >3 years - 5
years
> 5 thn / years
Non-Kontraktual
/ Non-Contractual
Total
(1) (2) (3) (4) (5) (6) (7) (8)
01Tagihan kepada Pemerintah / Claims against Government
2.869.529 0 49.588 934.856 0 3.853.974
02
Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities
0 0 0 17.613 0 17.613
03
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0
04Tagihan kepada Bank / Claims against Bank
783.223 73.889 185.182 188.666 0 1.230.961
05Kredit Beragun Rumah Tinggal / Collateralized Housing Loans
1.262 2.051 1.738 1.212 0 6.265
06
Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans
4.108 670 25.039 0 0 29.817
07Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners
1.684 4.033 19.493 12.644 0 37.854
08
Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
1.186.191 1.831.092 421.581 733.839 0 4.172.703
09Tagihan kepada Korporasi / Claims against Corporations
4.869.996 2.093.474 1.146.415 1.131.840 0 9.241.725
10Tagihan yang Telah Jatuh Tempo / Mature Claims
73.512 108.528 1.302 8.548 0 191.890
11Aset Lainnya / Other Assets
0 0 0 0 1.678.967 1.678.967
12
Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available)
852.275 687.424 355.995 77.399 0 1.973.094
Total 10.641.781 4.801.162 2.206.335 3.106.618 1.678.967 22.434.863
(Dalam jutaan Rupiah / In million Rupiah)
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 241
No. Kategori Portofolio
Portfolio Category
31 Desember 2013
Tagihan bersih berdasarkan sisa jangka waktu kontrak Net claims by remaining contract time
< 1 tahun / year
>1 thn s.d. 3 thn / >1
year - 3 years
>3 thn s.d. 5 thn / >3 years - 5
years
> 5 thn / years
Non-Kontraktual
/ Non-Contractual
Total
(1) (2) (3) (4) (5) (6) (7) (8)
01Tagihan kepada Pemerintah / Claims against Government
2.496.340 0 99.072 813.186 0 3.408.598
02
Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities
0 0 0 21.062 0 21.062
03
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0
04Tagihan kepada Bank / Claims against Bank
817.936 23.348 240.881 524.293 0 1.606.458
05Kredit Beragun Rumah Tinggal / Collateralized Housing Loans
167 962 2.731 0 0 3.860
06
Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans
20.059 0 25.574 4.652 0 50.286
07Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners
644 8.885 28.817 19.307 0 57.653
08
Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
1.893.548 2.009.890 360.750 599.465 0 4.863.654
09Tagihan kepada Korporasi / Claims against Corporations
2.924.511 1.393.690 832.039 549.445 0 5.699.685
10Tagihan yang Telah Jatuh Tempo / Mature Claims
41.425 10.302 633 557 0 52.916
11Aset Lainnya / Other Assets
0 0 0 0 1.379.874 1.379.874
12
Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available)
287.541 475.441 395.414 58.410 54.403 1.271.209
Total 8.482.172 3.922.518 1.985.911 2.590.376 1.434.277 18.415.255
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014242
Tabel 2.3.a. Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Individual
Table 2.3.a. Disclosure of Net Claims by Economic Sector - Bank Unconsolidated
No. Sektor Ekonomi Economic Sector
31 Desember 2014 31 Desember 2014
Tagihan kepada Pemerintah / Claims against Government
Tagihan kepada Entitas Sektor Publik / Claims
against Public Sector Entity
Tagihan Kepada Bank
Pembangunan Multilateral
dan Lembaga Internasional
/ Claims against Multilateral
Development Banks and International
Institutions
Tagihan kepada Bank / Claims against Banks
Kredit Beragun Rumah Tinggal / Collateralized Housing Loans
Kredit Beragun Properti Komersial
/ Collateralized Commercial Property
Loans
Kredit Pegawai/ Pensiunan / Loans
to Employees/Pensioners
Tagihan kepada usaha Mikro.
usaha Kecil dan Portofolio Ritel /
Claims agaist MSMEs and Retail Portfolio
Tagihan kepada Korporasi / Claims
against Corporations
Tagihan yang Telah Jatuh Tempo / Mature Claims
Aset Lainnya / Other Assets
Eksposur di unit usaha Syariah (apabila ada)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
01Pertanian, Perburuan dan Kehutanan / Agriculture, Menial Labor and Forestry
0 0 0 0 46 760 0 435.152 171.556 0 0 322
02 Perikanan / Fisheries 0 0 0 0 0 0 0 62 15.527 136 0 839
03Pertambangan dan Penggalian / Mining and Extractive Industries
0 0 0 0 0 0 0 449 299.756 104.783 0 0
04Industri Pengolahan / Processing Industry
0 0 0 0 230 0 0 8.611 1.832.852 9.294 0 46
05Listrik, Gas dan Air / Power, Gas and Water
0 0 0 0 0 0 0 40 0 2 0 0
06 Konstruksi / Construction 0 0 0 0 0 0 348 7.696 835.883 0 0 0
07Perdagangan besar dan eceran / Large Scale Trading and Retailing
0 0 0 0 3.082 4.018 0 432.425 2.468.325 18.814 0 234.198
08Penyediaan akomodasi dan penyediaan makan minum / Hospitality
0 0 0 0 253 24.749 0 6.278 45.598 1.090 0 72.138
09Transportasi, pergudangan dan komunikasi / Transportation, Warehousing and Communications
0 0 0 0 200 0 0 33.785 364.365 0 0 0
10Perantara keuangan / Financial Intermediaries
3.853.974 17.613 0 1.230.961 0 0 0 492.717 1.419.261 10.964 0 526.118
11Real estate, usaha persewaan dan jasa perusahaan / Real Estate, Leasing, and Corporate Services
0 0 0 0 0 0 0 5.041 1.156.853 540 0 299.629
12
Administrasi pemerintahan, pertahanan dan jaminan sosial wajib / Government Administration, Defense and Mandatory Social Security
0 0 0 0 0 0 0 0 0 0 0 0
13 Jasa pendidikan / Education 0 0 0 0 0 0 0 43 18.417 0 0 0
14Jasa kesehatan dan kegiatan sosial / Health and Social Activities
0 0 0 0 0 0 0 0 0 0 0 813
15
Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya / Social, Cultural, Entertainment, and Other Personal Services
0 0 0 0 45 0 0 4.337 603.920 87 0 5.417
16Jasa perorangan yang melayani rumah tangga / Personal Household Services
0 0 0 0 2.086 0 36.977 2.554.356 2.877 43.913 0 683.154
17
Badan internasional dan badan ekstra internasional lainnya / International Organizations and Other Extra International Organizations
0 0 0 0 0 0 0 0 0 0 0 0
18Kegiatan yang belum jelas batasannya / Indeterminate Activities
0 0 0 0 324 290 136 10.779 5.024 2.115 0 0
19Bukan lapangan usaha / Non Business Field
0 0 0 0 0 0 393 180.931 1.512 153 0 25
20 Lainnya / Miscellanous 0 0 0 0 0 0 0 0 0 0 1.678.967 150.395
Total 3.853.974 17.613 0 1.230.961 6.265 29.817 37.854 4.172.703 9.241.725 191.890 1.678.967 1.973.094
(Dalam jutaan Rupiah / In million Rupiah)
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 243
No. Sektor Ekonomi Economic Sector
31 Desember 2014 31 Desember 2014
Tagihan kepada Pemerintah / Claims against Government
Tagihan kepada Entitas Sektor Publik / Claims
against Public Sector Entity
Tagihan Kepada Bank
Pembangunan Multilateral
dan Lembaga Internasional
/ Claims against Multilateral
Development Banks and International
Institutions
Tagihan kepada Bank / Claims against Banks
Kredit Beragun Rumah Tinggal / Collateralized Housing Loans
Kredit Beragun Properti Komersial
/ Collateralized Commercial Property
Loans
Kredit Pegawai/ Pensiunan / Loans
to Employees/Pensioners
Tagihan kepada usaha Mikro.
usaha Kecil dan Portofolio Ritel /
Claims agaist MSMEs and Retail Portfolio
Tagihan kepada Korporasi / Claims
against Corporations
Tagihan yang Telah Jatuh Tempo / Mature Claims
Aset Lainnya / Other Assets
Eksposur di unit usaha Syariah (apabila ada)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
01Pertanian, Perburuan dan Kehutanan / Agriculture, Menial Labor and Forestry
0 0 0 0 46 760 0 435.152 171.556 0 0 322
02 Perikanan / Fisheries 0 0 0 0 0 0 0 62 15.527 136 0 839
03Pertambangan dan Penggalian / Mining and Extractive Industries
0 0 0 0 0 0 0 449 299.756 104.783 0 0
04Industri Pengolahan / Processing Industry
0 0 0 0 230 0 0 8.611 1.832.852 9.294 0 46
05Listrik, Gas dan Air / Power, Gas and Water
0 0 0 0 0 0 0 40 0 2 0 0
06 Konstruksi / Construction 0 0 0 0 0 0 348 7.696 835.883 0 0 0
07Perdagangan besar dan eceran / Large Scale Trading and Retailing
0 0 0 0 3.082 4.018 0 432.425 2.468.325 18.814 0 234.198
08Penyediaan akomodasi dan penyediaan makan minum / Hospitality
0 0 0 0 253 24.749 0 6.278 45.598 1.090 0 72.138
09Transportasi, pergudangan dan komunikasi / Transportation, Warehousing and Communications
0 0 0 0 200 0 0 33.785 364.365 0 0 0
10Perantara keuangan / Financial Intermediaries
3.853.974 17.613 0 1.230.961 0 0 0 492.717 1.419.261 10.964 0 526.118
11Real estate, usaha persewaan dan jasa perusahaan / Real Estate, Leasing, and Corporate Services
0 0 0 0 0 0 0 5.041 1.156.853 540 0 299.629
12
Administrasi pemerintahan, pertahanan dan jaminan sosial wajib / Government Administration, Defense and Mandatory Social Security
0 0 0 0 0 0 0 0 0 0 0 0
13 Jasa pendidikan / Education 0 0 0 0 0 0 0 43 18.417 0 0 0
14Jasa kesehatan dan kegiatan sosial / Health and Social Activities
0 0 0 0 0 0 0 0 0 0 0 813
15
Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya / Social, Cultural, Entertainment, and Other Personal Services
0 0 0 0 45 0 0 4.337 603.920 87 0 5.417
16Jasa perorangan yang melayani rumah tangga / Personal Household Services
0 0 0 0 2.086 0 36.977 2.554.356 2.877 43.913 0 683.154
17
Badan internasional dan badan ekstra internasional lainnya / International Organizations and Other Extra International Organizations
0 0 0 0 0 0 0 0 0 0 0 0
18Kegiatan yang belum jelas batasannya / Indeterminate Activities
0 0 0 0 324 290 136 10.779 5.024 2.115 0 0
19Bukan lapangan usaha / Non Business Field
0 0 0 0 0 0 393 180.931 1.512 153 0 25
20 Lainnya / Miscellanous 0 0 0 0 0 0 0 0 0 0 1.678.967 150.395
Total 3.853.974 17.613 0 1.230.961 6.265 29.817 37.854 4.172.703 9.241.725 191.890 1.678.967 1.973.094
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014244
No. Sektor Ekonomi Economic Sector
31 Desember 2013 31 Desember 2013
Tagihan kepada Pemerintah / Claims against Government
Tagihan kepada Entitas Sektor Publik / Claims
against Public Sector Entity
Tagihan Kepada Bank
Pembangunan Multilateral
dan Lembaga Internasional
/ Claims against Multilateral
Development Banks and International
Institutions
Tagihan kepada Bank / Claims against Banks
Kredit Beragun Rumah Tinggal / Collateralized Housing Loans
Kredit Beragun Properti Komersial
/ Collateralized Commercial Property
Loans
Kredit Pegawai/ Pensiunan / Loans
to Employees/Pensioners
Tagihan kepada usaha Mikro.
usaha Kecil dan Portofolio Ritel /
Claims agaist MSMEs and Retail Portfolio
Tagihan kepada Korporasi / Claims
against Corporations
Tagihan yang Telah Jatuh Tempo / Mature Claims
Aset Lainnya / Other Assets
Eksposur di unit usaha Syariah (apabila ada)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
01Pertanian, Perburuan dan Kehutanan / Agriculture, Menial Labor and Forestry
0 0 0 0 0 0 0 243.169 26.548 0 0 0
02 Perikanan / Fisheries 0 0 0 0 0 0 0 894 17.217 0 0 0
03Pertambangan dan Penggalian / Mining and Extractive Industries
0 0 0 0 0 141 0 9.959 678.360 0 0 6.667
04Industri Pengolahan / Processing Industry
0 0 0 0 280 0 0 126.928 1.177.822 183 0 0
05Listrik, Gas dan Air / Power, Gas and Water
0 0 0 0 0 0 0 87 19.876 0 0 0
06 Konstruksi / Construction 0 0 0 0 218 0 0 11.323 235.608 171 0 11.296
07Perdagangan besar dan eceran / Large Scale Trading and Retailing
0 0 0 0 706 20.639 0 911.034 1.266.319 1.742 0 2.253
08Penyediaan akomodasi dan penyediaan makan minum / Hospitality
0 0 0 0 355 29.506 0 4.963 17.559 0 0 101
09Transportasi, pergudangan dan komunikasi / Transportation, Warehousing and Communications
0 0 0 0 286 0 0 20.402 302.737 0 0 0
10Perantara keuangan / Financial Intermediaries
3.408.598 21.062 0 1.606.458 0 0 0 505.689 1.045.728 0 0 0
11Real estate, usaha persewaan dan jasa perusahaan / Real Estate, Leasing, and Corporate Services
0 0 0 0 1.888 0 0 6.242 530.265 24.406 0 0
12
Administrasi pemerintahan, pertahanan dan jaminan sosial wajib / Government Administration, Defense and Mandatory Social Security
0 0 0 0 0 0 0 0 0 0 0 0
13 Jasa pendidikan / Education 0 0 0 0 0 0 0 28.393 0 0 0 0
14Jasa kesehatan dan kegiatan sosial / Health and Social Activities
0 0 0 0 0 0 0 48 0 0 0 833
15
Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya / Social, Cultural, Entertainment, and Other Personal Services
0 0 0 0 65 0 0 40.097 381.646 0 0 1.305
16Jasa perorangan yang melayani rumah tangga / Personal Household Services
0 0 0 0 63 0 0 2.759.856 0 25.554 0 0
17
Badan internasional dan badan ekstra internasional lainnya / International Organizations and Other Extra International Organizations
0 0 0 0 0 0 0 0 0 0 0 0
18Kegiatan yang belum jelas batasannya / Indeterminate Activities
0 0 0 0 0 0 171 33.289 0 36 0 0
19Bukan lapangan usaha / Non Business Field
0 0 0 0 0 0 57.482 161.281 0 825 0 1.067.748
20 Lainnya / Miscellanous 0 0 0 0 0 0 0 0 0 0 1.379.874 181.006
Total 3.408.598 21.062 0 1.606.458 3.860 50.286 57.653 4.863.654 5.699.685 52.916 1.379.874 1.271.209
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 245
No. Sektor Ekonomi Economic Sector
31 Desember 2013 31 Desember 2013
Tagihan kepada Pemerintah / Claims against Government
Tagihan kepada Entitas Sektor Publik / Claims
against Public Sector Entity
Tagihan Kepada Bank
Pembangunan Multilateral
dan Lembaga Internasional
/ Claims against Multilateral
Development Banks and International
Institutions
Tagihan kepada Bank / Claims against Banks
Kredit Beragun Rumah Tinggal / Collateralized Housing Loans
Kredit Beragun Properti Komersial
/ Collateralized Commercial Property
Loans
Kredit Pegawai/ Pensiunan / Loans
to Employees/Pensioners
Tagihan kepada usaha Mikro.
usaha Kecil dan Portofolio Ritel /
Claims agaist MSMEs and Retail Portfolio
Tagihan kepada Korporasi / Claims
against Corporations
Tagihan yang Telah Jatuh Tempo / Mature Claims
Aset Lainnya / Other Assets
Eksposur di unit usaha Syariah (apabila ada)
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
01Pertanian, Perburuan dan Kehutanan / Agriculture, Menial Labor and Forestry
0 0 0 0 0 0 0 243.169 26.548 0 0 0
02 Perikanan / Fisheries 0 0 0 0 0 0 0 894 17.217 0 0 0
03Pertambangan dan Penggalian / Mining and Extractive Industries
0 0 0 0 0 141 0 9.959 678.360 0 0 6.667
04Industri Pengolahan / Processing Industry
0 0 0 0 280 0 0 126.928 1.177.822 183 0 0
05Listrik, Gas dan Air / Power, Gas and Water
0 0 0 0 0 0 0 87 19.876 0 0 0
06 Konstruksi / Construction 0 0 0 0 218 0 0 11.323 235.608 171 0 11.296
07Perdagangan besar dan eceran / Large Scale Trading and Retailing
0 0 0 0 706 20.639 0 911.034 1.266.319 1.742 0 2.253
08Penyediaan akomodasi dan penyediaan makan minum / Hospitality
0 0 0 0 355 29.506 0 4.963 17.559 0 0 101
09Transportasi, pergudangan dan komunikasi / Transportation, Warehousing and Communications
0 0 0 0 286 0 0 20.402 302.737 0 0 0
10Perantara keuangan / Financial Intermediaries
3.408.598 21.062 0 1.606.458 0 0 0 505.689 1.045.728 0 0 0
11Real estate, usaha persewaan dan jasa perusahaan / Real Estate, Leasing, and Corporate Services
0 0 0 0 1.888 0 0 6.242 530.265 24.406 0 0
12
Administrasi pemerintahan, pertahanan dan jaminan sosial wajib / Government Administration, Defense and Mandatory Social Security
0 0 0 0 0 0 0 0 0 0 0 0
13 Jasa pendidikan / Education 0 0 0 0 0 0 0 28.393 0 0 0 0
14Jasa kesehatan dan kegiatan sosial / Health and Social Activities
0 0 0 0 0 0 0 48 0 0 0 833
15
Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya / Social, Cultural, Entertainment, and Other Personal Services
0 0 0 0 65 0 0 40.097 381.646 0 0 1.305
16Jasa perorangan yang melayani rumah tangga / Personal Household Services
0 0 0 0 63 0 0 2.759.856 0 25.554 0 0
17
Badan internasional dan badan ekstra internasional lainnya / International Organizations and Other Extra International Organizations
0 0 0 0 0 0 0 0 0 0 0 0
18Kegiatan yang belum jelas batasannya / Indeterminate Activities
0 0 0 0 0 0 171 33.289 0 36 0 0
19Bukan lapangan usaha / Non Business Field
0 0 0 0 0 0 57.482 161.281 0 825 0 1.067.748
20 Lainnya / Miscellanous 0 0 0 0 0 0 0 0 0 0 1.379.874 181.006
Total 3.408.598 21.062 0 1.606.458 3.860 50.286 57.653 4.863.654 5.699.685 52.916 1.379.874 1.271.209
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014246
No. Kategori Portofolio
Portfolio Category
31 Desember 2014 31 Desember 2014
Tagihan Bersih Berdasarkan wilayah Tagihan Bersih Berdasarkan wilayah Net Claims by Region
Tagihan Bersih Berdasarkan wilayah Tagihan Bersih Berdasarkan wilayah Net Claims by Region
wilayah - 01 / Region - 01
wilayah - 02 / Region - 02
wilayah - 03 / Region - 03
wilayah - 04 / Region - 04
wilayah - 05 / Region - 05
wilayah - 06 / Region - 06
wilayah - 07 / Region - 07
wilayah - 08 / Region - 08
wilayah - 09 / Region - 09
wilayah - 10 / Region - 10
wilayah - 11 / Region - 11
wilayah - 012 / Region
- 12 Total
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
01 Tagihan / Claims 788.921 398.448 99.172 18.049.204 746.706 829.056 437.566 448.774 319.521 357.668 123.383 505.248 23.103.667
Tagihan yang mengalami penurunan nilai (impaired) / Impaired Claims
11.678 7.710 787 140.172 1.935 18.281 13.003 8.109 3.061 21.945 4.111 2.825 233.616
02 a. Belum jatuh tempo / Outstanding 3.316 0 1.615 447 0 0 613 612 0 0 0 115 6.719
03 b. Telah jatuh tempo / Mature 11.678 7.710 787 140.172 1.935 18.281 13.003 8.109 3.061 21.945 4.111 2.825 233.616
04Cadangan kerugian penurunan nilai (CKPN) - Individual / Reserves for Impairments (CKPN) - Unconsolidated
0 0 0 24.211 0 0 0 0 0 951 0 0 25.162
05Cadangan kerugian penurunan nilai (CKPN) - Kolektif / Reserves for Impairments (CKPN) - Consolidated
4.103 2.516 635 36.669 665 5.429 3.689 2.678 1.055 1.873 1.098 418 60.828
06Tagihan yang dihapus buku / Written-off Claims
52.165 1.146 1.753 20.551 9.769 1.700 633 3.020 411 5.762 4.802 3.100 104.812
No. Kategori Portofolio
Portfolio Category
31 Desember 2013 31 Desember 2013
Tagihan Bersih Berdasarkan wilayah Tagihan Bersih Berdasarkan wilayah Net Claims by Region
Tagihan Bersih Berdasarkan wilayah Tagihan Bersih Berdasarkan wilayah Net Claims by Region
wilayah - 01 / Region - 01
wilayah - 02 / Region - 02
wilayah - 03 / Region - 03
wilayah - 04 / Region - 04
wilayah - 05 / Region - 05
wilayah - 06 / Region - 06
wilayah - 07 / Region - 07
wilayah - 08 / Region - 08
wilayah - 09 / Region - 09
wilayah - 10 / Region - 10
wilayah - 11 / Region - 11
wilayah - 012 / Region
- 12 Total
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
01 Tagihan / Claims 746.696 688.399 120.101 13.017.439 1.371.603 925.862 510.363 492.855 226.540 391.952 123.044 472.873 19.087.726
Tagihan yang mengalami penurunan nilai (impaired) / Impaired Claims
5.757 2.796 1.938 31.580 0 9.072 3.958 6.700 1.771 5.695 1.583 259 71.110
02 a. Belum jatuh tempo / Outstanding 89.723 0 0 70.641 0 0 0 0 0 6.447 0 0 166.811
03 b. Telah jatuh tempo / Mature 5.757 2.796 1.938 31.580 0 9.072 3.958 6.700 1.771 5.695 1.583 259 71.110
04Cadangan kerugian penurunan nilai (CKPN) - Individual / Reserves for Impairments (CKPN) - Unconsolidated
3.319 0 0 15.577 0 31 0 0 0 797 0 0 19.724
05Cadangan kerugian penurunan nilai (CKPN) - Kolektif / Reserves for Impairments (CKPN) - Consolidated
2.692 1.490 456 12.665 420 3.377 1.542 2.826 615 3.893 707 5.926 36.609
06Tagihan yang dihapus buku / Written-off Claims
2.005 765 45 904 1.658 1.048 314 2.222 169 726 399 0 10.255
Tabel 2.4.a. Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara Individual
Table 2.4.a. Disclosure of Claims and Reserves by Region - Bank Unconsolidated
(Dalam jutaan Rupiah / In million Rupiah)
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 247
No. Kategori Portofolio
Portfolio Category
31 Desember 2014 31 Desember 2014
Tagihan Bersih Berdasarkan wilayah Tagihan Bersih Berdasarkan wilayah Net Claims by Region
Tagihan Bersih Berdasarkan wilayah Tagihan Bersih Berdasarkan wilayah Net Claims by Region
wilayah - 01 / Region - 01
wilayah - 02 / Region - 02
wilayah - 03 / Region - 03
wilayah - 04 / Region - 04
wilayah - 05 / Region - 05
wilayah - 06 / Region - 06
wilayah - 07 / Region - 07
wilayah - 08 / Region - 08
wilayah - 09 / Region - 09
wilayah - 10 / Region - 10
wilayah - 11 / Region - 11
wilayah - 012 / Region
- 12 Total
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
01 Tagihan / Claims 788.921 398.448 99.172 18.049.204 746.706 829.056 437.566 448.774 319.521 357.668 123.383 505.248 23.103.667
Tagihan yang mengalami penurunan nilai (impaired) / Impaired Claims
11.678 7.710 787 140.172 1.935 18.281 13.003 8.109 3.061 21.945 4.111 2.825 233.616
02 a. Belum jatuh tempo / Outstanding 3.316 0 1.615 447 0 0 613 612 0 0 0 115 6.719
03 b. Telah jatuh tempo / Mature 11.678 7.710 787 140.172 1.935 18.281 13.003 8.109 3.061 21.945 4.111 2.825 233.616
04Cadangan kerugian penurunan nilai (CKPN) - Individual / Reserves for Impairments (CKPN) - Unconsolidated
0 0 0 24.211 0 0 0 0 0 951 0 0 25.162
05Cadangan kerugian penurunan nilai (CKPN) - Kolektif / Reserves for Impairments (CKPN) - Consolidated
4.103 2.516 635 36.669 665 5.429 3.689 2.678 1.055 1.873 1.098 418 60.828
06Tagihan yang dihapus buku / Written-off Claims
52.165 1.146 1.753 20.551 9.769 1.700 633 3.020 411 5.762 4.802 3.100 104.812
No. Kategori Portofolio
Portfolio Category
31 Desember 2013 31 Desember 2013
Tagihan Bersih Berdasarkan wilayah Tagihan Bersih Berdasarkan wilayah Net Claims by Region
Tagihan Bersih Berdasarkan wilayah Tagihan Bersih Berdasarkan wilayah Net Claims by Region
wilayah - 01 / Region - 01
wilayah - 02 / Region - 02
wilayah - 03 / Region - 03
wilayah - 04 / Region - 04
wilayah - 05 / Region - 05
wilayah - 06 / Region - 06
wilayah - 07 / Region - 07
wilayah - 08 / Region - 08
wilayah - 09 / Region - 09
wilayah - 10 / Region - 10
wilayah - 11 / Region - 11
wilayah - 012 / Region
- 12 Total
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
01 Tagihan / Claims 746.696 688.399 120.101 13.017.439 1.371.603 925.862 510.363 492.855 226.540 391.952 123.044 472.873 19.087.726
Tagihan yang mengalami penurunan nilai (impaired) / Impaired Claims
5.757 2.796 1.938 31.580 0 9.072 3.958 6.700 1.771 5.695 1.583 259 71.110
02 a. Belum jatuh tempo / Outstanding 89.723 0 0 70.641 0 0 0 0 0 6.447 0 0 166.811
03 b. Telah jatuh tempo / Mature 5.757 2.796 1.938 31.580 0 9.072 3.958 6.700 1.771 5.695 1.583 259 71.110
04Cadangan kerugian penurunan nilai (CKPN) - Individual / Reserves for Impairments (CKPN) - Unconsolidated
3.319 0 0 15.577 0 31 0 0 0 797 0 0 19.724
05Cadangan kerugian penurunan nilai (CKPN) - Kolektif / Reserves for Impairments (CKPN) - Consolidated
2.692 1.490 456 12.665 420 3.377 1.542 2.826 615 3.893 707 5.926 36.609
06Tagihan yang dihapus buku / Written-off Claims
2.005 765 45 904 1.658 1.048 314 2.222 169 726 399 0 10.255
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014248
Tabel 2.5.a. Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individual
Table 2.5.a. Disclosure of Claims and Reserves by Economic Sector - Bank Unconsolidated
No. Sektor EkonomiEconomy Sector
31 Desember 2014
Tagihan / Claims
Tagihan yang Mengalami Penurunan
Nilai (Impaired)Impaired Claims
Cadangan kerugian penurunan nilai (CKPN)
Tagihan yang
dihapus buku
Written-off Claims
Belum Jatuh Tempo
Outstanding
Telah jatuh tempoMature
IndividualUnconsolidated
KolektifConsolidated
(1) (2) (3) (4) (5) (6) (7) (8)
01Pertanian, Perburuan dan Kehutanan / Agriculture, Menial Labor and Forestry
608.186 0 0 0 174 0
02 Perikanan / Fisheries 18.629 0 201 0 66 0
03Pertambangan dan Penggalian / Mining and Extractive Industries
424.477 0 121.416 16.634 0 51.198
04 Industri Pengolahan / Processing Industry 1.868.207 0 10.293 1.305 1.770 11.472
05Listrik, Gas dan Air / Power, Gas and Water
203 0 3 0 1 0
06 Konstruksi / Construction 864.186 0 0 0 0 5.324
07Perdagangan besar dan eceran / Large Scale Trading and Retailing
3.210.149 2.854 22.471 425 26.130 19.481
08Penyediaan akomodasi dan penyediaan makan minum / Hospitality
150.981 0 1.365 0 339 7
09Transportasi, pergudangan dan komunikasi / Transportation, Warehousing and Communications
398.610 0 0 0 67 0
10Perantara keuangan / Financial Intermediaries
7.874.991 0 17.762 6.798 5.411 0
11Real estate, usaha persewaan dan jasa perusahaan / Real Estate, Leasing, and Corporate Services
1.471.707 0 668 0 711 0
12
Administrasi pemerintahan, pertahanan dan jaminan sosial wajib / Government Administration, Defense and Mandatory Social Security
0 0 0 0 0 1
13 Jasa pendidikan / Education 18.460 0 0 0 0 0
14Jasa kesehatan dan kegiatan sosial / Health and Social Activities
813 0 0 0 0 0
15
Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya / Social, Cultural, Entertainment, and Other Personal Services
615.117 0 90 0 5 30
16Jasa perorangan yang melayani rumah tangga / Personal Household Services
3.341.809 0 56.482 0 25.160 14.851
17
Badan internasional dan badan ekstra internasional lainnya / International Organizations and Other Extra International Organizations
0 0 0 0 0 0
18Kegiatan yang belum jelas batasannya / Indeterminate Activities
21.639 0 2.676 0 655 24
19Bukan lapangan usaha / Non Business Field
351.562 447 188 0 340 2.425
20 Lainnya / Miscellanous 1.863.940 3.418 0 0 0 0
Total 23.103.666 6.719 233.616 25.162 60.828 104.812
(Dalam jutaan Rupiah / In million Rupiah)
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 249
No. Sektor EkonomiEconomy Sector
31 Desember 2013
Tagihan / Claims
Tagihan yang Mengalami Penurunan
Nilai (Impaired)Impaired Claims
Cadangan kerugian penurunan nilai (CKPN)
Tagihan yang
dihapus buku
Written-off Claims
Belum Jatuh Tempo
Outstanding
Telah jatuh tempoMature
IndividualUnconsolidated
KolektifConsolidated
(1) (2) (3) (4) (5) (6) (7) (8)
01Pertanian, Perburuan dan Kehutanan / Agriculture, Menial Labor and Forestry
272.956 0 0 0 47 0
02 Perikanan / Fisheries 20.183 0 0 0 0 0
03Pertambangan dan Penggalian / Mining and Extractive Industries
703.520 48.895 0 5.814 755 0
04 Industri Pengolahan / Processing Industry 1.315.624 6.448 183 673 9 709
05Listrik, Gas dan Air / Power, Gas and Water
20.076 0 0 0 1 0
06 Konstruksi / Construction 277.091 0 2.676 1.533 1.086 1.658
07Perdagangan besar dan eceran / Large Scale Trading and Retailing
2.247.111 0 5.344 0 5.397 2.019
08Penyediaan akomodasi dan penyediaan makan minum / Hospitality
53.031 0 0 0 3 0
09Transportasi, pergudangan dan komunikasi / Transportation, Warehousing and Communications
327.741 89.722 0 3.319 44 0
10Perantara keuangan / Financial Intermediaries
7.058.243 21.746 0 2.589 10 0
11Real estate, usaha persewaan dan jasa perusahaan / Real Estate, Leasing, and Corporate Services
572.474 0 30.078 5.672 1 0
12
Administrasi pemerintahan, pertahanan dan jaminan sosial wajib / Government Administration, Defense and Mandatory Social Security
0 0 0 0 0 0
13 Jasa pendidikan / Education 28.406 0 0 0 0 0
14Jasa kesehatan dan kegiatan sosial / Health and Social Activities
881 0 0 0 0 0
15
Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya / Social, Cultural, Entertainment, and Other Personal Services
423.306 0 0 124 6 0
16Jasa perorangan yang melayani rumah tangga / Personal Household Services
2.796.592 0 31.015 0 11.119 0
17
Badan internasional dan badan ekstra internasional lainnya / International Organizations and Other Extra International Organizations
0 0 0 0 0 0
18Kegiatan yang belum jelas batasannya / Indeterminate Activities
35.805 0 40 0 10 0
19Bukan lapangan usaha / Non Business Field
1.373.560 0 1.776 0 17.875 96
20 Lainnya / Miscellanous 1.561.127 0 0 0 247 5.773
Total 19.087.726 166.811 71.110 19.724 36.609 10.255
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014250
No Kategori PortofolioPortfolio Category
31 Desember 2014 31 Desember 2013
CKPN Individual CKPN Kolektif CKPN Individual CKPN Kolektif
(1) (2) (3) (4) (5) (6)
01 Saldo awal CKPN / Opening Impairment Reserves Balance 19.724 36.609 43.867 48.381
Pembentukan (pemulihan) CKPN pada periode berjalan (Net) / Allocation (Recovery) of Impairment Reserves in the Current Period - Net
5.438 31.423 (24.143) (1.987)
02a). Pembentukan CKPN pada periode berjalan / Allocation of Impairment Reserves in Current
Period5.438 31.423 0 0
03b). Pemulihan CKPN pada periode berjalan / Recovery of Impairment Reserves in Current
Period0 0 (24.143) (1.987)
04CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada peride berjalan / Impairment Reserves used to Cover Write-Offs in Current Period
0 (7.204) 0 (10.233)
05Pembentukan (pemulihan) lainnya pada periode berjalan / Other Allocation (Recovery) in Current Period
0 0 0 448
Saldo akhir CKPN / Closing Impairment Reserves Balance 25.162 60.828 19.724 36.609
Tabel 2.6.a. Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank secara Individual
Table 2.6.a. Disclosure of Changes in Impairment Reserves - Bank Unconsolidated
(Dalam jutaan Rupiah / In million Rupiah)
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 251
No Kategori PortofolioPortfolio Category
31 Desember 2014 31 Desember 2013
CKPN Individual CKPN Kolektif CKPN Individual CKPN Kolektif
(1) (2) (3) (4) (5) (6)
01 Saldo awal CKPN / Opening Impairment Reserves Balance 19.724 36.609 43.867 48.381
Pembentukan (pemulihan) CKPN pada periode berjalan (Net) / Allocation (Recovery) of Impairment Reserves in the Current Period - Net
5.438 31.423 (24.143) (1.987)
02a). Pembentukan CKPN pada periode berjalan / Allocation of Impairment Reserves in Current
Period5.438 31.423 0 0
03b). Pemulihan CKPN pada periode berjalan / Recovery of Impairment Reserves in Current
Period0 0 (24.143) (1.987)
04CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada peride berjalan / Impairment Reserves used to Cover Write-Offs in Current Period
0 (7.204) 0 (10.233)
05Pembentukan (pemulihan) lainnya pada periode berjalan / Other Allocation (Recovery) in Current Period
0 0 0 448
Saldo akhir CKPN / Closing Impairment Reserves Balance 25.162 60.828 19.724 36.609
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014252
No. Kategori Portofolio
Portfolio Category
31 Desember 2014 31 Desember 2014
Lembaga Pemeringkat
/ Rating Agencies
Peringkat Jangka
panjang / Long-Term
Rating
Peringkat Jangka
Pendek / Short-Term
Rating
Tanpa Peringkat /
UnratedTotal
Standard and Poor's
AAA AA+ s.d AA- A+ s.d A-BBB+ s.d
BBB-BB+ s.d BB- B+ s.d B-
Kurang dari B- /
Less than B-A-1 A-2 A-3
Kurang dari A-3 / Less than A-3
Fitch Rating AAA AA+ s.d AA- A+ s.d A-BBB+ s.d
BBB-BB+ s.d BB- B+ s.d B-
Kurang dari B- /
Less than B-F1+ s.d F1 F2 F3
Kurang dari F3 / Less than
F3
Moody's Aaa Aa1 s.d Aa3 A1 s.d A3Baa1 s.d
Baa3Ba1 s.d Ba3 B1 s.d B3
Kurang dari B3 /
Less than B3P-1 P-2 P-3
Kurang dari P-3 / Less than P-3
PT. Fitch Ratings
IndonesiaAAA (idn)
AA+(idn) s.d AA-(idn)
A+(idn) s.d. A-(idn)
BBB+(idn) s.d BBB-(idn)
BB+(idn) s.d BB-(idn)
B+(idn) s.d B-(idn)
Kurang dari B-(idn) / Less than B-(idn)
F1+(idn) s.d F1(idn)
F2(idn) F3(idn)Kurang dari F3(idn) / Less than F3(idn)
PT ICRA Indonesia
[Idr]AAA[Idr]AA+ s.d
[Idr]AA-[Idr]A+ s.d
[Idr]A-[Idr]BBB+ s.d
[Idr]BBB-[Idr]BB+ s.d
[Idr]BB-[Idr]B+ s.d
[Idr]B-
Kurang dari [Idr]B- / Less than [Idr]B-
[Idr]A1+ s.d [Idr]A1
[Idr]A2+ s.d [Idr]A2
[Idr]A3+ s.d [Idr] A3
Kurang dari [Idr]A3 / Less than [Idr]A3
PT Pemeringkat
Efek Indonesia
idAAAidAA+ s.d
idAA-idA+ s.d
id A-id BBB+ s.d
id BBB-id BB+ s.d id
BB-id B+ s.d
id B-
Kurang dari idB- / Less than idB-
idA1 idA2idA3 s.d id
A4
Kurang dari idA4 / Less than idA4
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)
01Tagihan kepada Pemerintah / Claims against Government
0 0 0 0 0 0 0 0 0 0 0 3.853.974 3.853.974
02Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities
0 0 17.613 0 0 0 0 0 0 0 0 0 17.613
03
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Bank 5.051 34.532 362.183 54.092 0 0 0 0 0 0 0 775.102 1.230.961
05Kredit Beragun Rumah Tinggal / Collateralized Housing Loans
0 0 0 0 0 0 0 0 0 0 0 6.265 6.265
06Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans
0 0 0 0 0 0 0 0 0 0 0 29.817 29.817
07Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners
0 0 0 0 0 0 0 0 0 0 0 37.854 37.854
08Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
0 0 0 0 0 0 0 0 0 0 0 4.172.703 4.172.703
09Tagihan kepada Korporasi / Claims against Corporations
70.766 100.675 48.891 0 10.142 0 0 0 0 0 0 9.011.251 9.241.725
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 0 0 0 0 0 0 0 0 0 0 0 191.890 191.890
11 Aset Lainnya / Other Assets 0 0 0 0 0 0 0 0 0 0 0 1.678.967 1.678.967
12Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available)
0 12.483 0 0 0 0 0 0 0 0 0 1.960.611 1.973.094
Total 75.817 147.690 428.687 54.092 10.142 0 0 0 0 0 0 21.718.435 22.434.864
Tabel 3.1.a. Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat - Bank secara Individual
Table 3.1.a. Disclosure of Net Claims by Portfolio Category and Rating - Bank Unconsolidated
(Dalam jutaan Rupiah / In million Rupiah)
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 253
No. Kategori Portofolio
Portfolio Category
31 Desember 2014 31 Desember 2014
Lembaga Pemeringkat
/ Rating Agencies
Peringkat Jangka
panjang / Long-Term
Rating
Peringkat Jangka
Pendek / Short-Term
Rating
Tanpa Peringkat /
UnratedTotal
Standard and Poor's
AAA AA+ s.d AA- A+ s.d A-BBB+ s.d
BBB-BB+ s.d BB- B+ s.d B-
Kurang dari B- /
Less than B-A-1 A-2 A-3
Kurang dari A-3 / Less than A-3
Fitch Rating AAA AA+ s.d AA- A+ s.d A-BBB+ s.d
BBB-BB+ s.d BB- B+ s.d B-
Kurang dari B- /
Less than B-F1+ s.d F1 F2 F3
Kurang dari F3 / Less than
F3
Moody's Aaa Aa1 s.d Aa3 A1 s.d A3Baa1 s.d
Baa3Ba1 s.d Ba3 B1 s.d B3
Kurang dari B3 /
Less than B3P-1 P-2 P-3
Kurang dari P-3 / Less than P-3
PT. Fitch Ratings
IndonesiaAAA (idn)
AA+(idn) s.d AA-(idn)
A+(idn) s.d. A-(idn)
BBB+(idn) s.d BBB-(idn)
BB+(idn) s.d BB-(idn)
B+(idn) s.d B-(idn)
Kurang dari B-(idn) / Less than B-(idn)
F1+(idn) s.d F1(idn)
F2(idn) F3(idn)Kurang dari F3(idn) / Less than F3(idn)
PT ICRA Indonesia
[Idr]AAA[Idr]AA+ s.d
[Idr]AA-[Idr]A+ s.d
[Idr]A-[Idr]BBB+ s.d
[Idr]BBB-[Idr]BB+ s.d
[Idr]BB-[Idr]B+ s.d
[Idr]B-
Kurang dari [Idr]B- / Less than [Idr]B-
[Idr]A1+ s.d [Idr]A1
[Idr]A2+ s.d [Idr]A2
[Idr]A3+ s.d [Idr] A3
Kurang dari [Idr]A3 / Less than [Idr]A3
PT Pemeringkat
Efek Indonesia
idAAAidAA+ s.d
idAA-idA+ s.d
id A-id BBB+ s.d
id BBB-id BB+ s.d id
BB-id B+ s.d
id B-
Kurang dari idB- / Less than idB-
idA1 idA2idA3 s.d id
A4
Kurang dari idA4 / Less than idA4
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)
01Tagihan kepada Pemerintah / Claims against Government
0 0 0 0 0 0 0 0 0 0 0 3.853.974 3.853.974
02Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities
0 0 17.613 0 0 0 0 0 0 0 0 0 17.613
03
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Bank 5.051 34.532 362.183 54.092 0 0 0 0 0 0 0 775.102 1.230.961
05Kredit Beragun Rumah Tinggal / Collateralized Housing Loans
0 0 0 0 0 0 0 0 0 0 0 6.265 6.265
06Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans
0 0 0 0 0 0 0 0 0 0 0 29.817 29.817
07Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners
0 0 0 0 0 0 0 0 0 0 0 37.854 37.854
08Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
0 0 0 0 0 0 0 0 0 0 0 4.172.703 4.172.703
09Tagihan kepada Korporasi / Claims against Corporations
70.766 100.675 48.891 0 10.142 0 0 0 0 0 0 9.011.251 9.241.725
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 0 0 0 0 0 0 0 0 0 0 0 191.890 191.890
11 Aset Lainnya / Other Assets 0 0 0 0 0 0 0 0 0 0 0 1.678.967 1.678.967
12Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available)
0 12.483 0 0 0 0 0 0 0 0 0 1.960.611 1.973.094
Total 75.817 147.690 428.687 54.092 10.142 0 0 0 0 0 0 21.718.435 22.434.864
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014254
No. Kategori Portofolio
Portfolio Category
31 Desember 2013 31 Desember 2013
Lembaga Pemeringkat
/ Rating Agencies
Peringkat Jangka
panjang / Long-Term
Rating
Peringkat Jangka
Pendek / Short-Term
Rating
Tanpa Peringkat /
UnratedTotal
Standard and Poor's
AAA AA+ s.d AA- A+ s.d A-BBB+ s.d
BBB-BB+ s.d BB- B+ s.d B-
Kurang dari B- /
Less than B-A-1 A-2 A-3
Kurang dari A-3 / Less than A-3
Fitch Rating AAA AA+ s.d AA- A+ s.d A-BBB+ s.d
BBB-BB+ s.d BB- B+ s.d B-
Kurang dari B- /
Less than B-F1+ s.d F1 F2 F3
Kurang dari F3 / Less than
F3
Moody's Aaa Aa1 s.d Aa3 A1 s.d A3Baa1 s.d
Baa3Ba1 s.d Ba3 B1 s.d B3
Kurang dari B3 /
Less than B3P-1 P-2 P-3
Kurang dari P-3 / Less than P-3
PT. Fitch Ratings
IndonesiaAAA (idn)
AA+(idn) s.d AA-(idn)
A+(idn) s.d. A-(idn)
BBB+(idn) s.d BBB-(idn)
BB+(idn) s.d BB-(idn)
B+(idn) s.d B-(idn)
Kurang dari B-(idn) / Less than B-(idn)
F1+(idn) s.d F1(idn)
F2(idn) F3(idn)Kurang dari F3(idn) / Less than F3(idn)
PT ICRA Indonesia
[Idr]AAA[Idr]AA+ s.d
[Idr]AA-[Idr]A+ s.d
[Idr]A-[Idr]BBB+ s.d
[Idr]BBB-[Idr]BB+ s.d
[Idr]BB-[Idr]B+ s.d
[Idr]B-
Kurang dari [Idr]B- / Less than [Idr]B-
[Idr]A1+ s.d [Idr]A1
[Idr]A2+ s.d [Idr]A2
[Idr]A3+ s.d [Idr] A3
Kurang dari [Idr]A3 / Less than [Idr]A3
PT Pemeringkat
Efek Indonesia
idAAAidAA+ s.d
idAA-idA+ s.d
id A-id BBB+ s.d
id BBB-id BB+ s.d id
BB-id B+ s.d
id B-
Kurang dari idB- / Less than idB-
idA1 idA2idA3 s.d id
A4
Kurang dari idA4 / Less than idA4
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)
01Tagihan kepada Pemerintah / Claims against Government
0 0 0 0 0 0 0 0 0 0 0 3.408.598 3.408.598
02Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities
0 1.011 20.051 0 0 0 0 0 0 0 0 0 21.062
03
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Bank 0 45.075 555.102 111.016 0 11 0 0 0 0 0 895.254 1.606.458
05Kredit Beragun Rumah Tinggal / Collateralized Housing Loans
0 0 0 0 0 0 0 0 0 0 0 3.860 3.860
06Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans
0 0 0 0 0 0 0 0 0 0 0 50.286 50.286
07Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners
0 0 0 0 0 0 0 0 0 0 0 57.653 57.653
08Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
0 0 0 0 0 0 0 0 0 0 0 4.863.654 4.863.654
09Tagihan kepada Korporasi / Claims against Corporations
0 53.711 0 0 10.362 0 0 0 0 0 0 5.635.612 5.699.685
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 0 0 0 0 0 0 0 0 0 0 0 52.916 52.916
11 Aset Lainnya / Other Assets 0 0 0 0 0 0 0 0 0 0 0 1.379.874 1.379.874
12Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available)
0 24.858 0 0 0 0 0 0 0 0 0 1.246.351 1.271.209
Total 0 124.655 575.153 111.016 10.362 11 0 0 0 0 0 17.594.059 18.415.255
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 255
No. Kategori Portofolio
Portfolio Category
31 Desember 2013 31 Desember 2013
Lembaga Pemeringkat
/ Rating Agencies
Peringkat Jangka
panjang / Long-Term
Rating
Peringkat Jangka
Pendek / Short-Term
Rating
Tanpa Peringkat /
UnratedTotal
Standard and Poor's
AAA AA+ s.d AA- A+ s.d A-BBB+ s.d
BBB-BB+ s.d BB- B+ s.d B-
Kurang dari B- /
Less than B-A-1 A-2 A-3
Kurang dari A-3 / Less than A-3
Fitch Rating AAA AA+ s.d AA- A+ s.d A-BBB+ s.d
BBB-BB+ s.d BB- B+ s.d B-
Kurang dari B- /
Less than B-F1+ s.d F1 F2 F3
Kurang dari F3 / Less than
F3
Moody's Aaa Aa1 s.d Aa3 A1 s.d A3Baa1 s.d
Baa3Ba1 s.d Ba3 B1 s.d B3
Kurang dari B3 /
Less than B3P-1 P-2 P-3
Kurang dari P-3 / Less than P-3
PT. Fitch Ratings
IndonesiaAAA (idn)
AA+(idn) s.d AA-(idn)
A+(idn) s.d. A-(idn)
BBB+(idn) s.d BBB-(idn)
BB+(idn) s.d BB-(idn)
B+(idn) s.d B-(idn)
Kurang dari B-(idn) / Less than B-(idn)
F1+(idn) s.d F1(idn)
F2(idn) F3(idn)Kurang dari F3(idn) / Less than F3(idn)
PT ICRA Indonesia
[Idr]AAA[Idr]AA+ s.d
[Idr]AA-[Idr]A+ s.d
[Idr]A-[Idr]BBB+ s.d
[Idr]BBB-[Idr]BB+ s.d
[Idr]BB-[Idr]B+ s.d
[Idr]B-
Kurang dari [Idr]B- / Less than [Idr]B-
[Idr]A1+ s.d [Idr]A1
[Idr]A2+ s.d [Idr]A2
[Idr]A3+ s.d [Idr] A3
Kurang dari [Idr]A3 / Less than [Idr]A3
PT Pemeringkat
Efek Indonesia
idAAAidAA+ s.d
idAA-idA+ s.d
id A-id BBB+ s.d
id BBB-id BB+ s.d id
BB-id B+ s.d
id B-
Kurang dari idB- / Less than idB-
idA1 idA2idA3 s.d id
A4
Kurang dari idA4 / Less than idA4
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)
01Tagihan kepada Pemerintah / Claims against Government
0 0 0 0 0 0 0 0 0 0 0 3.408.598 3.408.598
02Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities
0 1.011 20.051 0 0 0 0 0 0 0 0 0 21.062
03
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Bank 0 45.075 555.102 111.016 0 11 0 0 0 0 0 895.254 1.606.458
05Kredit Beragun Rumah Tinggal / Collateralized Housing Loans
0 0 0 0 0 0 0 0 0 0 0 3.860 3.860
06Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans
0 0 0 0 0 0 0 0 0 0 0 50.286 50.286
07Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners
0 0 0 0 0 0 0 0 0 0 0 57.653 57.653
08Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
0 0 0 0 0 0 0 0 0 0 0 4.863.654 4.863.654
09Tagihan kepada Korporasi / Claims against Corporations
0 53.711 0 0 10.362 0 0 0 0 0 0 5.635.612 5.699.685
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 0 0 0 0 0 0 0 0 0 0 0 52.916 52.916
11 Aset Lainnya / Other Assets 0 0 0 0 0 0 0 0 0 0 0 1.379.874 1.379.874
12Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available)
0 24.858 0 0 0 0 0 0 0 0 0 1.246.351 1.271.209
Total 0 124.655 575.153 111.016 10.362 11 0 0 0 0 0 17.594.059 18.415.255
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014256
No
Variabel yang
Mendasari / Base Variable
31 Desember 2014 31 Desember 2013
Notional Amount Tagihan
Derivatif / Derivative
Claims
Kewajiban Derivatif / Derivative
Obligations
Tagihan Bersih
sebelum MRK Net
Claims Before MRK
MRK
Tagihan bersih
Setelah MRK / Net
Claims After MRK
Notional Amount Tagihan
Derivatif / Derivative
Claims
Kewajiban Derivatif / Derivative
Obligations
Tagihan Bersih
sebelum MRK Net Claims Before MRK
MRK
Tagihan bersih Setelah
MRK / Net Claims After
MRK
< 1 Tahun / Year
> 1 Tahun - < 5 Tahun / > 1 Year - <
5 Years
> 5 Tahun / Years
< 1 Tahun / Year
> 1 Tahun - < 5 Tahun / > 1 Year - < 5
Years
> 5 Tahun / Years
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18)
BANK SECARA INDIVIDuAL / BANK uNCONSOLIDATED
01Suku Bunga / Interest Rate
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
02Nilai Tukar / Foreign Exchange
186.689 0 0 0 63 188.556 41.464 10.169 309.028 0 0 28 0 312.118 62.424 12.485
03Lainnya / Others
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
TOTAL 186.689 0 0 0 63 188.556 41.464 10.169 309.028 0 0 28 0 312.118 62.424 12.485
Tabel 3.2.a. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Derivatif
Table 3.2.a. Disclosure of Counterparty Credit Risk: Derivative Transactions
(Dalam jutaan Rupiah / In million Rupiah)
(Dalam jutaan Rupiah / In million Rupiah)
No. Kategori Portofolio
Portfolio Category
31 Desember 2014 31 Desember 2013
Nilai wajar SSB Repo /
Fair Repo SSB Value
Kewajiban Repo / Repo Obligtaions
Tagihan Bersih / Net
ClaimsATMR / RWA
Nilai wajar SSB Repo / Fair Repo SSB Value
Kewajiban Repo / Repo Obligtaions
Tagihan Bersih / Net Claims ATMR / RWA
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
01Tagihan kepada Pemerintah / Claims against Government
0 0 0 0 0 0 0 0
02Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities
0 0 0 0 0 0 0 0
03
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Bank 0 0 0 0 0 0 0 0
05Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
0 0 0 0 0 0 0 0
06Tagihan kepada Korporasi / Claims against Corporations
0 0 0 0 0 0 0 0
07Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available)
0 0 0 0 0 0 0 0
Total 0 0 0 0 0 0 0 0
Tabel 3.2.b.1. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Repo - Bank secara Individual
Tabel 3.2.b.1. Disclosure of Counterparty Credit Risk: Repo Transactions - Bank Unconsolidated
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 257
No
Variabel yang
Mendasari / Base Variable
31 Desember 2014 31 Desember 2013
Notional Amount Tagihan
Derivatif / Derivative
Claims
Kewajiban Derivatif / Derivative
Obligations
Tagihan Bersih
sebelum MRK Net
Claims Before MRK
MRK
Tagihan bersih
Setelah MRK / Net
Claims After MRK
Notional Amount Tagihan
Derivatif / Derivative
Claims
Kewajiban Derivatif / Derivative
Obligations
Tagihan Bersih
sebelum MRK Net Claims Before MRK
MRK
Tagihan bersih Setelah
MRK / Net Claims After
MRK
< 1 Tahun / Year
> 1 Tahun - < 5 Tahun / > 1 Year - <
5 Years
> 5 Tahun / Years
< 1 Tahun / Year
> 1 Tahun - < 5 Tahun / > 1 Year - < 5
Years
> 5 Tahun / Years
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18)
BANK SECARA INDIVIDuAL / BANK uNCONSOLIDATED
01Suku Bunga / Interest Rate
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
02Nilai Tukar / Foreign Exchange
186.689 0 0 0 63 188.556 41.464 10.169 309.028 0 0 28 0 312.118 62.424 12.485
03Lainnya / Others
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
TOTAL 186.689 0 0 0 63 188.556 41.464 10.169 309.028 0 0 28 0 312.118 62.424 12.485
No. Kategori Portofolio
Portfolio Category
31 Desember 2014 31 Desember 2013
Nilai wajar SSB Repo /
Fair Repo SSB Value
Kewajiban Repo / Repo Obligtaions
Tagihan Bersih / Net
ClaimsATMR / RWA
Nilai wajar SSB Repo / Fair Repo SSB Value
Kewajiban Repo / Repo Obligtaions
Tagihan Bersih / Net Claims ATMR / RWA
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
01Tagihan kepada Pemerintah / Claims against Government
0 0 0 0 0 0 0 0
02Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities
0 0 0 0 0 0 0 0
03
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Bank 0 0 0 0 0 0 0 0
05Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
0 0 0 0 0 0 0 0
06Tagihan kepada Korporasi / Claims against Corporations
0 0 0 0 0 0 0 0
07Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available)
0 0 0 0 0 0 0 0
Total 0 0 0 0 0 0 0 0
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014258
(Dalam jutaan Rupiah / In million Rupiah)
No. Kategori Portofolio
Portfolio Category
31 Desember 2014 31 Desember 2013
Tagihan Bersih / Net
Claims
Nilai MRK / MRK Scores
Tagihan Bersih setelah
MRK / Net Claims After
MRK
ATMR setelah MRK / RWA After MRK
Tagihan Bersih / Net Claims Nilai MRK / MRK ScoresTagihan Bersih setelah MRK /
Net Claims After MRKATMR setelah MRK / RWA
After MRK
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
01Tagihan kepada Pemerintah / Claims against Government
0 0 0 0 0 0 0 0
02Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities
0 0 0 0 0 0 0 0
03
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Bank 0 0 0 0 0 0 0 0
05Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
0 0 0 0 0 0 0 0
06Tagihan kepada Korporasi / Claims against Corporations
0 0 0 0 0 0 0 0
07Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available)
0 0 0 0 0 0 0 0
Total 0 0 0 0 0 0 0 0
Tabel 3.2.c.1. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Reverse Repo - Bank secara Individual
Table 3.2.c.1. Disclosure of Counterparty Risk: Reverse Repo Transactions - Bank Unconsolidated
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 259
No. Kategori Portofolio
Portfolio Category
31 Desember 2014 31 Desember 2013
Tagihan Bersih / Net
Claims
Nilai MRK / MRK Scores
Tagihan Bersih setelah
MRK / Net Claims After
MRK
ATMR setelah MRK / RWA After MRK
Tagihan Bersih / Net Claims Nilai MRK / MRK ScoresTagihan Bersih setelah MRK /
Net Claims After MRKATMR setelah MRK / RWA
After MRK
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
01Tagihan kepada Pemerintah / Claims against Government
0 0 0 0 0 0 0 0
02Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities
0 0 0 0 0 0 0 0
03
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Bank 0 0 0 0 0 0 0 0
05Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
0 0 0 0 0 0 0 0
06Tagihan kepada Korporasi / Claims against Corporations
0 0 0 0 0 0 0 0
07Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available)
0 0 0 0 0 0 0 0
Total 0 0 0 0 0 0 0 0
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014260
No. Kategori PortfolioPortfolio Category
31 Desember 2014
ATMR / RWA
Beban Modal
/ Capital Charge
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Net Claims after Calculating Effect of Credit Risk Mitigation
0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya
(1) (2) (3) (4) (5) (7) (8) (9) (10) (11) (12) (13) (14) (15)
Eksposur Neraca / Balance Sheet Exposure
01 Tagihan kepada Pemerintah / Claims against Government 3.853.974 0 0 0 0 0 0 0 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 0 0 0 0 17.613 0 0 0 8.807 705
03Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 0 830.279 0 0 0 211.554 0 0 0 0 271.833 21.747
05 Kredit Beragun Rumah Tinggal / Collateralized Housing Loans 150 0 1.611 4.454 0 0 0 0 0 0 2.346 188
06 Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans 0 0 0 0 0 0 0 29.404 0 29.404 2.352
07 Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners 0 0 0 0 0 37.854 0 0 0 18.927 1.514
08Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
19.880 0 0 0 0 0 3.530.583 0 0 2.647.937 211.835
09 Tagihan kepada Korporasi / Claims against Corporations 1.051.765 171.441 0 0 0 48.891 0 7.623.901 0 7.682.634 614.611
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 0 0 0 0 0 0 0 670 191.220 0 287.500 23.000
11 Aset Lainnya / Other Assets 0 0 0 0 0 0 0 0 0 1.678.967 1.435.123 114.810
12 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 0 0 0 0 0 0 0 0 0 1.973.094 1.533.278 122.662
Total Eksposur Neraca / Total Blance Sheet Exposure 4.925.769 1.001.719 1.611 4.454 0 315.911 3.530.583 7.653.975 191.220 3.652.062 13.917.789 1.113.423
Eksposur Kewajiban Komitmen/Kontinjensi pd Transaksi Rekening Administratif / Commitment/Contingency Exposure in Administrative Account Transactions
01 Tagihan kepada Pemerintah / Claims against Government 0 0 0 0 0 0 0 0 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 0 0 0 0 0 0 0 0 0 0 0
03Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 75 497 0 0 0 0 0 0 0 0 99 8
05 Kredit Beragun Rumah Tinggal / Collateralized Housing Loans 0 0 0 50 0 0 0 0 0 0 20 2
06 Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans 0 0 0 0 0 0 0 413 0 0 413 33
07 Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners 0 0 0 0 0 0 0 0 0 0 0 0
08Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
218.689 0 0 0 0 0 403.551 0 0 0 302.664 24.213
09 Tagihan kepada Korporasi / Claims against Corporations 285.432 0 0 0 0 0 0 60.295 0 0 60.295 4.824
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 0 0 0 0 0 0 0 0 0 0 0 0
11 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 0 0 0 0 0 0 0 0 0 0 0 0
Total Eksposur TRA / Total Exposure of Administrative Account 504.197 497 0 50 0 0 403.551 60.708 0 0 363.491 29.079
Eksposur akibat Kegagalan Pihak Lawan / Counterparty Credit Risk
01 Tagihan kepada Pemerintah / Claims against Government 0 0 0 0 0 0 0 0 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 0 0 0 0 0 0 0 0 0 0 0
03Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 0 176.047 0 0 0 12.509 0 0 0 0 10.169 814
05Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
0 0 0 0 0 0 0 0 0 0 0 0
06 Tagihan kepada Korporasi / Claims against Corporations 0 0 0 0 0 0 0 0 0 0 0 0
07 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 0 0 0 0 0 0 0 0 0 0
Total Eksposur Counterparty Credit Risk / Total Exposure of Counterparty Credit Risk 0 176.047 0 0 0 12.509 0 0 0 0 10.169 814
Tabel 4.1.a. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit - Bank secara Individual
Table 4.1.a. Disclosure of Net Claims by Risk Weighting after Calculating Effect of Credit Risk Mitigation - Bank Unconsolidated
(Dalam jutaan Rupiah / In million Rupiah)
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 261
No. Kategori PortfolioPortfolio Category
31 Desember 2014
ATMR / RWA
Beban Modal
/ Capital Charge
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Net Claims after Calculating Effect of Credit Risk Mitigation
0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya
(1) (2) (3) (4) (5) (7) (8) (9) (10) (11) (12) (13) (14) (15)
Eksposur Neraca / Balance Sheet Exposure
01 Tagihan kepada Pemerintah / Claims against Government 3.853.974 0 0 0 0 0 0 0 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 0 0 0 0 17.613 0 0 0 8.807 705
03Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 0 830.279 0 0 0 211.554 0 0 0 0 271.833 21.747
05 Kredit Beragun Rumah Tinggal / Collateralized Housing Loans 150 0 1.611 4.454 0 0 0 0 0 0 2.346 188
06 Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans 0 0 0 0 0 0 0 29.404 0 29.404 2.352
07 Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners 0 0 0 0 0 37.854 0 0 0 18.927 1.514
08Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
19.880 0 0 0 0 0 3.530.583 0 0 2.647.937 211.835
09 Tagihan kepada Korporasi / Claims against Corporations 1.051.765 171.441 0 0 0 48.891 0 7.623.901 0 7.682.634 614.611
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 0 0 0 0 0 0 0 670 191.220 0 287.500 23.000
11 Aset Lainnya / Other Assets 0 0 0 0 0 0 0 0 0 1.678.967 1.435.123 114.810
12 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 0 0 0 0 0 0 0 0 0 1.973.094 1.533.278 122.662
Total Eksposur Neraca / Total Blance Sheet Exposure 4.925.769 1.001.719 1.611 4.454 0 315.911 3.530.583 7.653.975 191.220 3.652.062 13.917.789 1.113.423
Eksposur Kewajiban Komitmen/Kontinjensi pd Transaksi Rekening Administratif / Commitment/Contingency Exposure in Administrative Account Transactions
01 Tagihan kepada Pemerintah / Claims against Government 0 0 0 0 0 0 0 0 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 0 0 0 0 0 0 0 0 0 0 0
03Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 75 497 0 0 0 0 0 0 0 0 99 8
05 Kredit Beragun Rumah Tinggal / Collateralized Housing Loans 0 0 0 50 0 0 0 0 0 0 20 2
06 Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans 0 0 0 0 0 0 0 413 0 0 413 33
07 Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners 0 0 0 0 0 0 0 0 0 0 0 0
08Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
218.689 0 0 0 0 0 403.551 0 0 0 302.664 24.213
09 Tagihan kepada Korporasi / Claims against Corporations 285.432 0 0 0 0 0 0 60.295 0 0 60.295 4.824
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 0 0 0 0 0 0 0 0 0 0 0 0
11 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 0 0 0 0 0 0 0 0 0 0 0 0
Total Eksposur TRA / Total Exposure of Administrative Account 504.197 497 0 50 0 0 403.551 60.708 0 0 363.491 29.079
Eksposur akibat Kegagalan Pihak Lawan / Counterparty Credit Risk
01 Tagihan kepada Pemerintah / Claims against Government 0 0 0 0 0 0 0 0 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 0 0 0 0 0 0 0 0 0 0 0
03Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 0 176.047 0 0 0 12.509 0 0 0 0 10.169 814
05Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
0 0 0 0 0 0 0 0 0 0 0 0
06 Tagihan kepada Korporasi / Claims against Corporations 0 0 0 0 0 0 0 0 0 0 0 0
07 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 0 0 0 0 0 0 0 0 0 0
Total Eksposur Counterparty Credit Risk / Total Exposure of Counterparty Credit Risk 0 176.047 0 0 0 12.509 0 0 0 0 10.169 814
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014262
No. Kategori PortfolioPortfolio Category
31 Desember 2013
ATMR / RWA
Beban Modal
/ Capital Charge
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Net Claims after Calculating Effect of Credit Risk Mitigation
0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya
(1) (2) (3) (4) (5) (7) (8) (9) (10) (11) (12) (13) (14) (15)
Eksposur Neraca / Balance Sheet Exposure
01 Tagihan kepada Pemerintah / Claims against Government 3.408.598 0 0 0 0 0 0 0 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 1.011 0 0 0 20.051 0 0 0 10.228 818
03Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 0 1.253.037 0 0 0 41.205 0 0 0 0 271.210 21.697
05 Kredit Beragun Rumah Tinggal / Collateralized Housing Loans 1.721 0 0 2.040 0 0 0 0 0 0 816 65
06 Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans 0 0 0 0 0 0 0 49.104 0 49.104 3.928
07 Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners 0 0 0 0 0 57.653 0 0 0 28.827 2.306
08Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
84.245 0 0 0 0 0 4.231.115 0 0 3.173.336 253.867
09 Tagihan kepada Korporasi / Claims against Corporations 1.059.740 53.711 0 0 0 0 0 4.500.175 0 4.510.918 360.873
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 0 0 0 0 0 0 0 70 52.846 0 79.339 6.347
11 Aset Lainnya / Other Assets 0 0 0 0 0 0 0 0 0 1.379.874 1.027.135 82.171
12 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 0 0 0 0 0 0 0 0 0 878.313 446.823 35.746
Total Eksposur Neraca / Total Blance Sheet Exposure 4.554.303 1.307.759 0 2.040 0 118.909 4.231.115 4.549.349 52.846 2.258.187 9.597.734 767.819
Eksposur Kewajiban Komitmen/Kontinjensi pd Transaksi Rekening Administratif / Commitment/Contingency Exposure in Administrative Account Transactions
01 Tagihan kepada Pemerintah / Claims against Government 0 0 0 0 0 0 0 0 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 0 0 0 0 0 0 0 0 0 0 0
03Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 0 98 0 0 0 0 0 0 0 0 20 2
05 Kredit Beragun Rumah Tinggal / Collateralized Housing Loans 0 0 0 100 0 0 0 0 0 0 40 3
06 Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans 0 0 0 0 0 0 0 1.182 0 0 1.182 95
07 Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners 0 0 0 0 0 0 0 0 0 0 0 0
08Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
161.471 0 0 0 0 0 386.823 0 0 0 290.117 23.209
09 Tagihan kepada Korporasi / Claims against Corporations 15.481 0 0 0 0 0 0 70.578 0 0 70.578 5.646
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 0 0 0 0 0 0 0 0 0 0 0 0
11 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 0 0 0 0 0 0 0 0 0 0 0 0
Total Eksposur TRA / Total Exposure of Administrative Account 176.952 98 0 100 0 0 386.823 71.760 0 0 361.937 28.955
Eksposur akibat Kegagalan Pihak Lawan / Counterparty Credit Risk
01 Tagihan kepada Pemerintah / Claims against Government 0 0 0 0 0 0 0 0 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 0 0 0 0 0 0 0 0 0 0 0
03Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 0 312.118 0 0 0 0 0 0 0 0 12.485 999
05Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
0 0 0 0 0 0 0 0 0 0 0 0
06 Tagihan kepada Korporasi / Claims against Corporations 0 0 0 0 0 0 0 0 0 0 0 0
07 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 0 0 0 0 0 0 0 0 0 0 0 0
Total Eksposur Counterparty Credit Risk / Total Exposure of Counterparty Credit Risk 0 312.118 0 0 0 0 0 0 0 0 12.485 999
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 263
No. Kategori PortfolioPortfolio Category
31 Desember 2013
ATMR / RWA
Beban Modal
/ Capital Charge
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Net Claims after Calculating Effect of Credit Risk Mitigation
0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya
(1) (2) (3) (4) (5) (7) (8) (9) (10) (11) (12) (13) (14) (15)
Eksposur Neraca / Balance Sheet Exposure
01 Tagihan kepada Pemerintah / Claims against Government 3.408.598 0 0 0 0 0 0 0 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 1.011 0 0 0 20.051 0 0 0 10.228 818
03Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 0 1.253.037 0 0 0 41.205 0 0 0 0 271.210 21.697
05 Kredit Beragun Rumah Tinggal / Collateralized Housing Loans 1.721 0 0 2.040 0 0 0 0 0 0 816 65
06 Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans 0 0 0 0 0 0 0 49.104 0 49.104 3.928
07 Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners 0 0 0 0 0 57.653 0 0 0 28.827 2.306
08Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
84.245 0 0 0 0 0 4.231.115 0 0 3.173.336 253.867
09 Tagihan kepada Korporasi / Claims against Corporations 1.059.740 53.711 0 0 0 0 0 4.500.175 0 4.510.918 360.873
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 0 0 0 0 0 0 0 70 52.846 0 79.339 6.347
11 Aset Lainnya / Other Assets 0 0 0 0 0 0 0 0 0 1.379.874 1.027.135 82.171
12 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 0 0 0 0 0 0 0 0 0 878.313 446.823 35.746
Total Eksposur Neraca / Total Blance Sheet Exposure 4.554.303 1.307.759 0 2.040 0 118.909 4.231.115 4.549.349 52.846 2.258.187 9.597.734 767.819
Eksposur Kewajiban Komitmen/Kontinjensi pd Transaksi Rekening Administratif / Commitment/Contingency Exposure in Administrative Account Transactions
01 Tagihan kepada Pemerintah / Claims against Government 0 0 0 0 0 0 0 0 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 0 0 0 0 0 0 0 0 0 0 0
03Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 0 98 0 0 0 0 0 0 0 0 20 2
05 Kredit Beragun Rumah Tinggal / Collateralized Housing Loans 0 0 0 100 0 0 0 0 0 0 40 3
06 Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans 0 0 0 0 0 0 0 1.182 0 0 1.182 95
07 Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners 0 0 0 0 0 0 0 0 0 0 0 0
08Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
161.471 0 0 0 0 0 386.823 0 0 0 290.117 23.209
09 Tagihan kepada Korporasi / Claims against Corporations 15.481 0 0 0 0 0 0 70.578 0 0 70.578 5.646
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 0 0 0 0 0 0 0 0 0 0 0 0
11 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 0 0 0 0 0 0 0 0 0 0 0 0
Total Eksposur TRA / Total Exposure of Administrative Account 176.952 98 0 100 0 0 386.823 71.760 0 0 361.937 28.955
Eksposur akibat Kegagalan Pihak Lawan / Counterparty Credit Risk
01 Tagihan kepada Pemerintah / Claims against Government 0 0 0 0 0 0 0 0 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 0 0 0 0 0 0 0 0 0 0 0
03Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 0 312.118 0 0 0 0 0 0 0 0 12.485 999
05Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
0 0 0 0 0 0 0 0 0 0 0 0
06 Tagihan kepada Korporasi / Claims against Corporations 0 0 0 0 0 0 0 0 0 0 0 0
07 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 0 0 0 0 0 0 0 0 0 0 0 0
Total Eksposur Counterparty Credit Risk / Total Exposure of Counterparty Credit Risk 0 312.118 0 0 0 0 0 0 0 0 12.485 999
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014264
No. Kategori PortfolioPortfolio Category
31 Desember 2013
Bagian yang Dijamin DenganPortion Secured by
Bagian Yang Tidak Dijamin
Portion Unsecured
Tagihan Bersih / Net ClaimsTagihan Bersih
Net ClaimsAgunanCollateral
GaransiGuarantee
Asuransi KreditCredit Insurance
LainnyaOthers
(1) (2) (3) (4) (5) (7) (8)(8) = (3)-
[(4)+(5)+(6)+(7)](9)
Eksposur Neraca / Balance Sheet Exposure
01 Tagihan kepada Pemerintah / Claims against Government 3.853.974 3.853.974 0 0 0 0 3.408.598
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 17.613 0 0 0 0 17.613 21.062
03 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 1.041.833 0 0 0 0 1.041.833 1.294.241
05 Kredit Beragun Rumah Tinggal / Collateralized Housing Loans 6.215 150 0 0 0 6.065 3.760
06 Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans 29.404 0 0 0 0 29.404 49.104
07 Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners 37.854 0 0 0 0 37.854 57.653
08 Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio 3.550.463 19.880 0 0 0 3.530.583 4.315.360
09 Tagihan kepada Korporasi / Claims against Corporations 8.895.997 1.051.765 0 0 0 7.844.232 5.613.626
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 191.890 0 0 0 0 191.890 52.916
11 Aset Lainnya / Other Assets 1.678.967 0 0 0 0 1.678.967 1.379.874
12 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 1.973.094 0 0 0 0 1.973.094 1.271.209
Total Eksposur Neraca / Total Blance Sheet Exposure 21.277.305 4.925.769 0 0 0 16.351.536 17.467.404
Eksposur Kewajiban Komitmen/Kontinjensi pd Transaksi Rekening Administratif / Commitment/Contingency Exposure in Administrative Account Transactions
01 Tagihan kepada Pemerintah / Claims against Government 0 0 0 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 0 0 0 0 0 0
03 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 572 75 0 0 0 497 98
05 Kredit Beragun Rumah Tinggal / Collateralized Housing Loans 50 0 0 0 0 50 100
06 Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans 413 0 0 0 0 413 1.182
07 Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners 0 0 0 0 0 0 0
08 Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio 622.241 218.689 0 0 0 403.551 548.294
09 Tagihan kepada Korporasi / Claims against Corporations 345.727 285.432 0 0 0 60.295 86.059
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 0 0 0 0 0 0 0
11 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 0 0 0 0 0 0 0
Total Eksposur TRA / Total Exposure of Administrative Account 969.003 504.197 0 0 0 464.806 635.733
Eksposur akibat Kegagalan Pihak Lawan / Counterparty Credit Risk
01 Tagihan kepada Pemerintah / Claims against Government 0 0 0 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 0 0 0 0 0 0
03 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 188.556 0 0 0 0 188.556 312.118
05 Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio 0 0 0 0 0 0 0
06 Tagihan kepada Korporasi / Claims against Corporations 0 0 0 0 0 0 0
07 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 0 0 0 0 0 0 0
Total Eksposur Counterparty Credit Risk / Total Exposure of Counterparty Credit Risk 188.556 0 0 0 0 188.556 312.118
Tabel 4.2.a. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual
Table 4.2.a. Disclosure of Net Claims and Credit Risk Mitigation Techniques - Bank Unconsolidated
(Dalam jutaan Rupiah / In million Rupiah)
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 265
No. Kategori PortfolioPortfolio Category
31 Desember 2013
Bagian yang Dijamin DenganPortion Secured by
Bagian Yang Tidak Dijamin
Portion Unsecured
Tagihan Bersih / Net ClaimsTagihan Bersih
Net ClaimsAgunanCollateral
GaransiGuarantee
Asuransi KreditCredit Insurance
LainnyaOthers
(1) (2) (3) (4) (5) (7) (8)(8) = (3)-
[(4)+(5)+(6)+(7)](9)
Eksposur Neraca / Balance Sheet Exposure
01 Tagihan kepada Pemerintah / Claims against Government 3.853.974 3.853.974 0 0 0 0 3.408.598
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 17.613 0 0 0 0 17.613 21.062
03 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 1.041.833 0 0 0 0 1.041.833 1.294.241
05 Kredit Beragun Rumah Tinggal / Collateralized Housing Loans 6.215 150 0 0 0 6.065 3.760
06 Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans 29.404 0 0 0 0 29.404 49.104
07 Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners 37.854 0 0 0 0 37.854 57.653
08 Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio 3.550.463 19.880 0 0 0 3.530.583 4.315.360
09 Tagihan kepada Korporasi / Claims against Corporations 8.895.997 1.051.765 0 0 0 7.844.232 5.613.626
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 191.890 0 0 0 0 191.890 52.916
11 Aset Lainnya / Other Assets 1.678.967 0 0 0 0 1.678.967 1.379.874
12 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 1.973.094 0 0 0 0 1.973.094 1.271.209
Total Eksposur Neraca / Total Blance Sheet Exposure 21.277.305 4.925.769 0 0 0 16.351.536 17.467.404
Eksposur Kewajiban Komitmen/Kontinjensi pd Transaksi Rekening Administratif / Commitment/Contingency Exposure in Administrative Account Transactions
01 Tagihan kepada Pemerintah / Claims against Government 0 0 0 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 0 0 0 0 0 0
03 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 572 75 0 0 0 497 98
05 Kredit Beragun Rumah Tinggal / Collateralized Housing Loans 50 0 0 0 0 50 100
06 Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans 413 0 0 0 0 413 1.182
07 Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners 0 0 0 0 0 0 0
08 Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio 622.241 218.689 0 0 0 403.551 548.294
09 Tagihan kepada Korporasi / Claims against Corporations 345.727 285.432 0 0 0 60.295 86.059
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 0 0 0 0 0 0 0
11 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 0 0 0 0 0 0 0
Total Eksposur TRA / Total Exposure of Administrative Account 969.003 504.197 0 0 0 464.806 635.733
Eksposur akibat Kegagalan Pihak Lawan / Counterparty Credit Risk
01 Tagihan kepada Pemerintah / Claims against Government 0 0 0 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 0 0 0 0 0 0
03 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 188.556 0 0 0 0 188.556 312.118
05 Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio 0 0 0 0 0 0 0
06 Tagihan kepada Korporasi / Claims against Corporations 0 0 0 0 0 0 0
07 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 0 0 0 0 0 0 0
Total Eksposur Counterparty Credit Risk / Total Exposure of Counterparty Credit Risk 188.556 0 0 0 0 188.556 312.118
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014266
No. Kategori PortfolioPortfolio Category
31 Desember 2013
Bagian yang Dijamin DenganPortion Secured by
Bagian Yang Tidak Dijamin
Portion Unsecured
Tagihan Bersih / Net ClaimsTagihan Bersih
Net ClaimsAgunanCollateral
GaransiGuarantee
Asuransi KreditCredit Insurance
LainnyaOthers
(1) (2) (3) (4) (5) (7) (8)(8) = (3)-
[(4)+(5)+(6)+(7)](9)
Eksposur Neraca / Balance Sheet Exposure
01 Tagihan kepada Pemerintah / Claims against Government 3.408.598 3.408.598 0 0 0 0 3.408.598
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 21.062 0 0 0 0 21.062 21.062
03 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 1.294.241 0 0 0 0 1.294.241 1.294.241
05 Kredit Beragun Rumah Tinggal / Collateralized Housing Loans 3.760 1.721 0 0 0 2.040 3.760
06 Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans 49.104 0 0 0 0 49.104 49.104
07 Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners 57.653 0 0 0 0 57.653 57.653
08 Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio 4.315.360 84.245 0 0 0 4.231.115 4.315.360
09 Tagihan kepada Korporasi / Claims against Corporations 5.613.626 1.059.740 0 0 0 4.553.886 5.613.626
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 52.916 0 0 0 0 52.916 52.916
11 Aset Lainnya / Other Assets 1.379.874 0 0 0 0 1.379.874 1.379.874
12 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 1.271.209 0 0 0 0 1.271.209 1.271.209
Total Eksposur Neraca / Total Blance Sheet Exposure 17.467.404 4.554.303 0 0 0 12.913.101 17.467.404
Eksposur Kewajiban Komitmen/Kontinjensi pd Transaksi Rekening Administratif / Commitment/Contingency Exposure in Administrative Account Transactions
01 Tagihan kepada Pemerintah / Claims against Government 0 0 0 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 0 0 0 0 0 0
03 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 98 0 0 0 0 98 98
05 Kredit Beragun Rumah Tinggal / Collateralized Housing Loans 100 0 0 0 0 100 100
06 Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans 1.182 0 0 0 0 1.182 1.182
07 Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners 0 0 0 0 0 0 0
08 Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio 548.294 161.471 0 0 0 386.823 548.294
09 Tagihan kepada Korporasi / Claims against Corporations 86.059 15.481 0 0 0 70.578 86.059
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 0 0 0 0 0 0 0
11 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 0 0 0 0 0 0 0
Total Eksposur TRA / Total Exposure of Administrative Account 635.733 176.952 0 0 0 458.781 635.733
Eksposur akibat Kegagalan Pihak Lawan / Counterparty Credit Risk
01 Tagihan kepada Pemerintah / Claims against Government 0 0 0 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 0 0 0 0 0 0
03 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 312.118 0 0 0 0 312.118 312.118
05 Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio 0 0 0 0 0 0 0
06 Tagihan kepada Korporasi / Claims against Corporations 0 0 0 0 0 0 0
07 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 0 0 0 0 0 0 0
Total Eksposur Counterparty Credit Risk / Total Exposure of Counterparty Credit Risk 312.118 0 0 0 0 312.118 312.118
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 267
No. Kategori PortfolioPortfolio Category
31 Desember 2013
Bagian yang Dijamin DenganPortion Secured by
Bagian Yang Tidak Dijamin
Portion Unsecured
Tagihan Bersih / Net ClaimsTagihan Bersih
Net ClaimsAgunanCollateral
GaransiGuarantee
Asuransi KreditCredit Insurance
LainnyaOthers
(1) (2) (3) (4) (5) (7) (8)(8) = (3)-
[(4)+(5)+(6)+(7)](9)
Eksposur Neraca / Balance Sheet Exposure
01 Tagihan kepada Pemerintah / Claims against Government 3.408.598 3.408.598 0 0 0 0 3.408.598
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 21.062 0 0 0 0 21.062 21.062
03 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 1.294.241 0 0 0 0 1.294.241 1.294.241
05 Kredit Beragun Rumah Tinggal / Collateralized Housing Loans 3.760 1.721 0 0 0 2.040 3.760
06 Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans 49.104 0 0 0 0 49.104 49.104
07 Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners 57.653 0 0 0 0 57.653 57.653
08 Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio 4.315.360 84.245 0 0 0 4.231.115 4.315.360
09 Tagihan kepada Korporasi / Claims against Corporations 5.613.626 1.059.740 0 0 0 4.553.886 5.613.626
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 52.916 0 0 0 0 52.916 52.916
11 Aset Lainnya / Other Assets 1.379.874 0 0 0 0 1.379.874 1.379.874
12 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 1.271.209 0 0 0 0 1.271.209 1.271.209
Total Eksposur Neraca / Total Blance Sheet Exposure 17.467.404 4.554.303 0 0 0 12.913.101 17.467.404
Eksposur Kewajiban Komitmen/Kontinjensi pd Transaksi Rekening Administratif / Commitment/Contingency Exposure in Administrative Account Transactions
01 Tagihan kepada Pemerintah / Claims against Government 0 0 0 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 0 0 0 0 0 0
03 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 98 0 0 0 0 98 98
05 Kredit Beragun Rumah Tinggal / Collateralized Housing Loans 100 0 0 0 0 100 100
06 Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans 1.182 0 0 0 0 1.182 1.182
07 Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners 0 0 0 0 0 0 0
08 Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio 548.294 161.471 0 0 0 386.823 548.294
09 Tagihan kepada Korporasi / Claims against Corporations 86.059 15.481 0 0 0 70.578 86.059
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 0 0 0 0 0 0 0
11 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 0 0 0 0 0 0 0
Total Eksposur TRA / Total Exposure of Administrative Account 635.733 176.952 0 0 0 458.781 635.733
Eksposur akibat Kegagalan Pihak Lawan / Counterparty Credit Risk
01 Tagihan kepada Pemerintah / Claims against Government 0 0 0 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 0 0 0 0 0 0
03 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions 0 0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Banks 312.118 0 0 0 0 312.118 312.118
05 Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio 0 0 0 0 0 0 0
06 Tagihan kepada Korporasi / Claims against Corporations 0 0 0 0 0 0 0
07 Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available) 0 0 0 0 0 0 0
Total Eksposur Counterparty Credit Risk / Total Exposure of Counterparty Credit Risk 312.118 0 0 0 0 312.118 312.118
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014268
Tabel 5.1.a. Pengungkapan Transaksi Sekuritisasi - Bank secara Individual
Table 5.1.a. Disclosure of Securitization Transactions - Bank Unconsolidatedv
No. Kategori PortfolioPortfolio Category
31 Desember 2014 31 Desember 2014 31 Desember 2013
Nilai aset yg disekuritisasi
/ Value of Securitized
Asset
Nilai aset yang disekuritisasi yang mengalami penurunan nilai /
Impairment value of securitized assets
Laba/Rugi dari aktivitas sekuritisasi /
Profit/Loss from Securitization
ATMR / RWA
Pengurang Modal
/ Capital Reduction
Nilai aset yg disekuritisasi
/ Value of Securitized Asset
Nilai aset yang disekuritisasi yang
mengalami penurunan nilai / Impairment value of
securitized assets
Laba/Rugi dari aktivitas sekuritisasi
/ Profit/Loss from
Securitization
ATMR / RWA
Pengurang Modal
/ Capital Reduction
Telah jatuh / Mature
Belum Jatuh / Outstanding
Telah jatuh / Mature
Belum Jatuh / Outstanding
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
01Bank bertindak sebagai Kreditur Asal / Bank acts as Originating Creditor
0 0 0 0 0 0 0 0 0 0 0 0
Jenis eksposur (contoh: tagihan beragun rumah tinggal) / Exposure type (e.g: Claim secured by dwelling house)
0 0 0 0 0 0 0 0 0 0 0 0
02Bank bertindak sebagai Penyedia Kredit Pendukung / Bank acts as Provider of Supporting Credit
0 0 0 0 0 0 0 0 0 0 0 0
a. Fasilitas penanggung risiko pertama / First risk bearing facility
0 0 0 0 0 0 0 0 0 0 0 0
Jenis eksposur (contoh: tagihan beragun rumah tinggal) / Exposure type (e.g: Claim secured by dwelling house)
0 0 0 0 0 0 0 0 0 0 0 0
b. Fasilitas penanggung risiko kedua / Second risk bearing facility
0 0 0 0 0 0 0 0 0 0 0 0
Jenis eksposur (contoh: tagihan beragun rumah tinggal) / Exposure type (e.g: Claim secured by dwelling house)
0 0 0 0 0 0 0 0 0 0 0 0
03Bank bertindak sebagai Penyedia Fasilitas Likuiditas / Bank acts as provider of Liquidity Facility
0 0 0 0 0 0 0 0 0 0 0 0
Jenis eksposur (contoh: tagihan beragun rumah tinggal) / Exposure type (e.g: Claim secured by dwelling house)
0 0 0 0 0 0 0 0 0 0 0 0
04Bank bertindak sebagai Penyedia Jasa / Bank acts as Service Provider
0 0 0 0 0 0 0 0 0 0 0 0
Jenis eksposur (contoh: tagihan beragun rumah tinggal) / Exposure type (e.g: Claim secured by dwelling house)
0 0 0 0 0 0 0 0 0 0 0 0
05Bank bertindak sebagai Bank Kustodian / Bank acts as Custodian Bank
0 0 0 0 0 0 0 0 0 0 0 0
Jenis eksposur (contoh: tagihan beragun rumah tinggal) / Exposure type (e.g: Claim secured by dwelling house)
0 0 0 0 0 0 0 0 0 0 0 0
06Bank bertindak sebagai Pemodal / Bank acts as Investor
0 0 0 0 0 0 0 0 0 0 0 0
a. Senior tranche 0 0 0 0 0 0 0 0 0 0 0 0
Jenis eksposur (contoh: tagihan beragun rumah tinggal) / Exposure type (e.g: Claim secured by dwelling house)
0 0 0 0 0 0 0 0 0 0 0 0
b. Junior tranche 0 0 0 0 0 0 0 0 0 0 0 0
Jenis eksposur (contoh: tagihan beragun rumah tinggal) / Exposure type (e.g: Claim secured by dwelling house)
0 0 0 0 0 0 0 0 0 0 0 0
(Dalam jutaan Rupiah / In million Rupiah)
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 269
No. Kategori PortfolioPortfolio Category
31 Desember 2014 31 Desember 2014 31 Desember 2013
Nilai aset yg disekuritisasi
/ Value of Securitized
Asset
Nilai aset yang disekuritisasi yang mengalami penurunan nilai /
Impairment value of securitized assets
Laba/Rugi dari aktivitas sekuritisasi /
Profit/Loss from Securitization
ATMR / RWA
Pengurang Modal
/ Capital Reduction
Nilai aset yg disekuritisasi
/ Value of Securitized Asset
Nilai aset yang disekuritisasi yang
mengalami penurunan nilai / Impairment value of
securitized assets
Laba/Rugi dari aktivitas sekuritisasi
/ Profit/Loss from
Securitization
ATMR / RWA
Pengurang Modal
/ Capital Reduction
Telah jatuh / Mature
Belum Jatuh / Outstanding
Telah jatuh / Mature
Belum Jatuh / Outstanding
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
01Bank bertindak sebagai Kreditur Asal / Bank acts as Originating Creditor
0 0 0 0 0 0 0 0 0 0 0 0
Jenis eksposur (contoh: tagihan beragun rumah tinggal) / Exposure type (e.g: Claim secured by dwelling house)
0 0 0 0 0 0 0 0 0 0 0 0
02Bank bertindak sebagai Penyedia Kredit Pendukung / Bank acts as Provider of Supporting Credit
0 0 0 0 0 0 0 0 0 0 0 0
a. Fasilitas penanggung risiko pertama / First risk bearing facility
0 0 0 0 0 0 0 0 0 0 0 0
Jenis eksposur (contoh: tagihan beragun rumah tinggal) / Exposure type (e.g: Claim secured by dwelling house)
0 0 0 0 0 0 0 0 0 0 0 0
b. Fasilitas penanggung risiko kedua / Second risk bearing facility
0 0 0 0 0 0 0 0 0 0 0 0
Jenis eksposur (contoh: tagihan beragun rumah tinggal) / Exposure type (e.g: Claim secured by dwelling house)
0 0 0 0 0 0 0 0 0 0 0 0
03Bank bertindak sebagai Penyedia Fasilitas Likuiditas / Bank acts as provider of Liquidity Facility
0 0 0 0 0 0 0 0 0 0 0 0
Jenis eksposur (contoh: tagihan beragun rumah tinggal) / Exposure type (e.g: Claim secured by dwelling house)
0 0 0 0 0 0 0 0 0 0 0 0
04Bank bertindak sebagai Penyedia Jasa / Bank acts as Service Provider
0 0 0 0 0 0 0 0 0 0 0 0
Jenis eksposur (contoh: tagihan beragun rumah tinggal) / Exposure type (e.g: Claim secured by dwelling house)
0 0 0 0 0 0 0 0 0 0 0 0
05Bank bertindak sebagai Bank Kustodian / Bank acts as Custodian Bank
0 0 0 0 0 0 0 0 0 0 0 0
Jenis eksposur (contoh: tagihan beragun rumah tinggal) / Exposure type (e.g: Claim secured by dwelling house)
0 0 0 0 0 0 0 0 0 0 0 0
06Bank bertindak sebagai Pemodal / Bank acts as Investor
0 0 0 0 0 0 0 0 0 0 0 0
a. Senior tranche 0 0 0 0 0 0 0 0 0 0 0 0
Jenis eksposur (contoh: tagihan beragun rumah tinggal) / Exposure type (e.g: Claim secured by dwelling house)
0 0 0 0 0 0 0 0 0 0 0 0
b. Junior tranche 0 0 0 0 0 0 0 0 0 0 0 0
Jenis eksposur (contoh: tagihan beragun rumah tinggal) / Exposure type (e.g: Claim secured by dwelling house)
0 0 0 0 0 0 0 0 0 0 0 0
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014270
No. Kategori PortfolioPortfolio Category
31 Desember 2014 31 Desember 2013
Nilai Aset Yang Disekuritisasi / Value of
Securitized Assets
Keuntungan (Kerugian) Penjualan / Profit (Loss) on
Sale
Nilai Aset Yang Disekuritisasi / Value of
Securitized Assets
Keuntungan (Kerugian) Penjualan / Profit (Loss) on
Sale
(1) (2) (5) (6)
01 Tagihan kepada Pemerintah / Claims against Government 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 0 0 0
03Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0
04 Tagihan kepada Bank / Claims against Bank 0 0 0 0
05 Kredit Beragun Rumah Tinggal / Collateralized Housing Loans 0 0 0 0
06 Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans 0 0 0 0
07 Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners 0 0 0 0
08Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
0 0 0 0
09 Tagihan kepada Korporasi / Claims against Corporations 0 0 0 0
10 Aset Lainnya / Other Assets 0 0 0 0
11Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available)
0 0 0 0
Total 0 0 0 0
Tabel 5.2.a. Pengungkapan Ringkasan Aktivitas Transaksi Sekuritisasi Bank Bertindak Sebagai Kreditur Asal - Bank secara Individual
Table 5.2.a Disclosure of Summarized Securitization Transactions by Bank Acting as Originating Creditor - Bank Unconsolidated
(Dalam jutaan Rupiah / In million Rupiah)
(Dalam jutaan Rupiah / In million Rupiah)
No. Kategori PortfolioPortfolio Category
31 Desember 2014 31 Desember 2013
Tagihan Bersih ATMR Sebelum
MRK ATMR Setelah
MRK Tagihan Bersih
ATMR Sebelum MRK
ATMR Setelah MRK
(1) (2) (3) (4) (5) (6) (7) (8)
01 Tagihan kepada Pemerintah / Claims against Government 3,853,974 0 0 3,269,386 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 17,613 8,807 8,807 21,062 10,228 10,228
03Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Bank 1,041,833 271,833 271,833 1,294,241 271,210 271,210
05 Kredit Beragun Rumah Tinggal / Collateralized Housing Loans 6,215 2,405 2,346 3,760 1,504 816
06Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans
29,404 29,404 29,404 49,104 49,104 49,104
07 Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners 37,854 18,927 18,927 57,653 28,827 28,827
08Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
3,550,463 2,662,847 2,647,937 4,315,360 3,236,520 3,173,336
09 Tagihan kepada Korporasi / Claims against Corporations 8,895,997 8,734,399 7,682,634 5,613,626 5,570,658 4,510,918
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 191,890 287,500 287,500 52,916 79,339 79,339
11 Aset Lainnya / Other Assets 1,678,967 0 1,435,123 1,379,874 0 1,027,135
12Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available)
1,973,094 0 1,533,278 1,271,209 0 859,034
Total 21,277,305 12,016,123 13,917,789 17,328,193 9,247,389 10,009,945
Tabel 6.1.1. Pengungkapan Eksposur Aset di Neraca
Table 6.1.1. Disclosure of Assets on Bank Balance Sheet Exposure
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 271
No. Kategori PortfolioPortfolio Category
31 Desember 2014 31 Desember 2013
Nilai Aset Yang Disekuritisasi / Value of
Securitized Assets
Keuntungan (Kerugian) Penjualan / Profit (Loss) on
Sale
Nilai Aset Yang Disekuritisasi / Value of
Securitized Assets
Keuntungan (Kerugian) Penjualan / Profit (Loss) on
Sale
(1) (2) (5) (6)
01 Tagihan kepada Pemerintah / Claims against Government 0 0 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 0 0 0 0
03Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0
04 Tagihan kepada Bank / Claims against Bank 0 0 0 0
05 Kredit Beragun Rumah Tinggal / Collateralized Housing Loans 0 0 0 0
06 Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans 0 0 0 0
07 Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners 0 0 0 0
08Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
0 0 0 0
09 Tagihan kepada Korporasi / Claims against Corporations 0 0 0 0
10 Aset Lainnya / Other Assets 0 0 0 0
11Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available)
0 0 0 0
Total 0 0 0 0
No. Kategori PortfolioPortfolio Category
31 Desember 2014 31 Desember 2013
Tagihan Bersih ATMR Sebelum
MRK ATMR Setelah
MRK Tagihan Bersih
ATMR Sebelum MRK
ATMR Setelah MRK
(1) (2) (3) (4) (5) (6) (7) (8)
01 Tagihan kepada Pemerintah / Claims against Government 3,853,974 0 0 3,269,386 0 0
02 Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities 17,613 8,807 8,807 21,062 10,228 10,228
03Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Bank 1,041,833 271,833 271,833 1,294,241 271,210 271,210
05 Kredit Beragun Rumah Tinggal / Collateralized Housing Loans 6,215 2,405 2,346 3,760 1,504 816
06Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans
29,404 29,404 29,404 49,104 49,104 49,104
07 Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners 37,854 18,927 18,927 57,653 28,827 28,827
08Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
3,550,463 2,662,847 2,647,937 4,315,360 3,236,520 3,173,336
09 Tagihan kepada Korporasi / Claims against Corporations 8,895,997 8,734,399 7,682,634 5,613,626 5,570,658 4,510,918
10 Tagihan yang Telah Jatuh Tempo / Mature Claims 191,890 287,500 287,500 52,916 79,339 79,339
11 Aset Lainnya / Other Assets 1,678,967 0 1,435,123 1,379,874 0 1,027,135
12Eksposur di Unit Usaha Syariah (apabila ada) / Exposure in Sharia Business Unit (if available)
1,973,094 0 1,533,278 1,271,209 0 859,034
Total 21,277,305 12,016,123 13,917,789 17,328,193 9,247,389 10,009,945
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014272
No. Kategori PortfolioPortfolio Category
31 Desember 2014 31 Desember 2013
Tagihan Bersih / Net Claims
ATMR Sebelum MRK / RWA Before
MRK
ATMR Setelah MRK / RWA After MRK
Tagihan Bersih / Net Claims
ATMR Sebelum MRK / RWA Before
MRK
ATMR Setelah MRK / RWA After MRK
(1) (2) (6) (7) (8)
01Tagihan kepada Pemerintah / Claims against Government
0 0 0 0 0 0
02Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities
0 0 0 0 0 0
03
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0
04Tagihan kepada Bank / Claims against Bank
572 114 99 98 20 20
05Kredit Beragun Rumah Tinggal / Collateralized Housing Loans
50 20 20 100 40 40
06Kredit Beragun Properti Komersial / Collateralized Commercial Property Loans
413 413 413 1.182 1.182 1.182
07Kredit Pegawai/ Pensiunan / Loans to Employees/Pensioners
0 0 0 0 0 0
08Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
622.241 466.681 302.664 548.294 411.221 290.117
09Tagihan kepada Korporasi / Claims against Corporations
345.727 345.727 60.295 86.059 86.059 70.578
10Tagihan yang Telah Jatuh Tempo / Mature Claims
0 0 0 0 0 0
Total 969.003 812.955 363.491 635.733 498.521 361.937
No. Kategori PortfolioPortfolio Category
31 Desember 2014 31 Desember 2013
Tagihan Bersih / Net
Claims
ATMR Sebelum
MRK / RWA Before MRK
ATMR Setelah MRK / RWA After
MRK
Tagihan Bersih / Net
Claims
ATMR Sebelum
MRK / RWA Before MRK
ATMR Setelah MRK / RWA After
MRK
(1) (2) (3) (4) (5) (6) (7) (8)
01Tagihan kepada Pemerintah / Claims against Government
0 0 0 139.211 0 0
02Tagihan kepada Entitas Sektor Publik / Claims against Public Sector Entities
0 0 0 0 0 0
03
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Claims against Multilateral Development Banks and International Institutions
0 0 0 0 0 0
04 Tagihan kepada Bank / Claims against Bank 188.556 41.464 10.169 312.118 62.424 12.485
05Tagihan kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Claims agaist MSMEs and Retail Portfolio
0 0 0 0 0 0
06Tagihan kepada Korporasi / Claims against Corporations
0 0 0 0 0 0
07 Total 188.556 41.464 10.169 451.329 62.424 12.485
Tabel 6.1.2. Pengungkapan Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif
Table 6.1.2. Disclosure of Exposure to Commitment/Contingency from Adminstrative Account Transactions
Tabel 6.1.3. Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Pihak Lawan
Table 6.1.3. Disclosure of Exposure Arising from Counterparty Credit Risk
(Dalam jutaan Rupiah / In million Rupiah)
(Dalam jutaan Rupiah / In million Rupiah)
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 273
Tabel 6.1.4. Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Setelmen (settlementrisk)
Table 6.1.4. Disclosure of Exposure to Settlement Risk
(Dalam jutaan Rupiah / In million Rupiah)
(Dalam jutaan Rupiah / In million Rupiah)
No. Kategori PortfolioPortfolio Category
31 Desember 2014 31 Desember 2013
Nilai Eksposur /
Value
Faktor Pengurang
Modal / Capital
Reduction Factors
ATMR Setelah MRK / RWA After
MRK
Nilai Eksposur /
Value
Faktor Pengurang
Modal / Capital
Reduction Factors
ATMR Setelah MRK / RWA After
MRK
(1) (2) (6) (7) (8)
01 Delivery versus payment 0 0 0 0
a. Beban Modal 8% (5-15 hari) / Capital Charge 8% (5-15 days)
0 0 0 0
b. Beban Modal 50% (16-30 hari) / Capital Charge 50% (16-30 days)
0 0 0 0
c. Beban Modal 75% (31-45 hari) / Capital Charge 75% (31-45 days)
0 0 0 0
d. Beban Modal 100% (lebih dari 45 hari) / Capital Charge 100% (more than 45 days)
0 0 0 0
02 Non-delivery versus payment 0 0 0 0
Total 0 0 0 0 0 0
No. Jenis Transaksi / Transaction Type
31 Desember 2014 31 Desember 2013
Faktor Pengurang Modal / Capital
Reduction FactorsATMR / RWA
Faktor Pengurang Modal / Capital
Reduction FactorsATMR / RWA
(1) (2) (5) (6)
01Fasilitas Kredit Pendukung yang Memenuhi Persyaratan / Supporting Credit Facilites that Meet the Requirements
0 0 0 0
02Fasilitas Kredit Pendukung yang Tidak Memenuhi Persyaratan / Supporting Credit Facilites that do not Meet Requirements
0 0 0 0
03Fasilitas Likuiditas yang Memenuhi Persyaratan / Liquidity Facilities that Meet the Requirements
0 0
04Fasilitas Likuiditas yang Tidak Memenuhi Persyaratan / Liquidity Facilities that do not Meet the Requirements
0 0 0 0
05Pembelian Efek Beragun Aset yang Memenuhi Persyaratan / Purchase of Asset-backed that Meet the Requirements
0 0 0 0
06Pembelian Efek Beragun Aset yang Tidak Memenuhi Persyaratan / Purchase of Asset-backed that do not Meet the Requirements
0 0 0 0
07
Eksposur Sekuritisasi yang tidak tercakup dalam ketentuan Bank Indonesia mengenai prinsip-prinsip kehati-hatian dalam aktivitas sekuritisasi aset bagi bank umum / Securitization exposure not covered by Bank Indonesia regulations on the application of prudent principles to asset securitization by commercial banks
0 0
Total 0 0 0 0
Tabel 6.1.5. Pengungkapan Eksposur Sekuritisasi
Table 6.1.5. Disclosure of Securitization Exposure
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014274
Tabel 6.1.6. Pengungkapan Eksposur di Unit Usaha Syariah
Table 6.1.6. Disclosure of Business Unit Sharia Exposure
No. Jenis Transaksi / Transaction Type
31 Desember 2014 31 Desember 2013
Faktor Pengurang
Modal / Capital
Reduction Factors
ATMR / RWA
Faktor Pengurang
Modal / Capital
Reduction Factors
ATMR / RWA
(1) (3) (4) (5) (6)
Aktiva Neraca ( Rupiah & Valas ) / Balance of Assets (Rupiah & Forex)
01 Kas / Cash 0 0 0 0
02 Penempatan pada Bank Indonesia / Placements with Bank Indonesia 0 0 0 0
03 Giro wadiah pada Bank Indonesia 0 0 0 0
04 Lainnya / Others 0 0 0 0
05Penempatan / Tagihan pada bank lain : / Placements / Due from other banks
0 0 0 0
06 Pada bank lain / With other banks 0 0 42 519
07 Surat berharga yang dimiliki / securities 0 0 0 0
08Surat berharga pasar uang/pasar modal Syariah / Financial market/Sharia capital market securities
0 0 0 0
09Yang diterbitkan atau dijamin oleh bank sentral dan pemerintah pusat / Issued or insured by the central bank and government
0 0 0 0
10Yang diterbitkan atau dijamin oleh pihak swasta lainnya: / Issued or insured by private parties
0 0 0 0
11Perusahaan dengan rating AAA s.d AA-/ Companies with the rating of AAA s.d AA-
190 2.371 366 4.571
12 Piutang / Receivables 0 0 0 0
13 Piutang kepada atau dijaminkan: / Receivables to or insured: 0 0 0 0
14 Pihak-pihak lainnya / Other parties 0 4 56
15 Perusahaan tidak memiliki rating / Unrated companies 1.665 20.809 1.958 24.475
16 Piutang kepada usaha kecil / receivables to small enterprises 8 103 25 307
17Piutang kepada pegawai / pensiunan / Receivables to employees / pensioner
26.597 332.467 20.807 260.085
18 Pembiayaan / Financing 0 0 0 0
19 Pihak-pihak lainnya / Other parties 68 845 598 7.477
20 Perusahaan tidak memiliki rating / Unrated companies 82.560 1.032.004 34.499 431.241
21Ijarah (dikurangi dengan akumulasi penyusutan/amortisasi aktiva ijarah) / Ijarah (net of accumulation of depreciation/amortization of ijarah assets)
0 0 0 0
22Aktiva Ijarah yang disewakan kepada atau dijamin : / Ijarah Assets leased or as collateral
0 0 0 0
23 Pihak-pihak lainnya / Other parties 4.897 61.214 4.776 59.696
24 Perusahaan tidak memiliki rating / Unrated companies 0 0 1.380 17.248
25Piutang kepada pegawai / pensiunan / Receivables to employees / pensioner
918 11.476 683 8.540
26Aktiva tetap dan Inventaris (nilai buku) / Fixed assets and Inventory (book value)
0 0 0 0
27 Inventaris +/+ / Inventory +/+ 3.566 44.580 2.386 29.831
28Akumulasi penyusutan inventaris -/- / Accumulation of inventory depreciation -/-
0 0 0 0
29 Rupa-rupa Aktiva / Other Assets 2.193 27.409 1.199 14.988
Total Eksposur / Total Exposure 122.662 1.533.278 68.723 859.034
(Dalam jutaan Rupiah / In million Rupiah)
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 275
Tabel 6.1.7.Pengungkapan Total Pengukuran Risiko Kredit
Table 6.1.7. Disclosure of Total Credit Risks
(Dalam jutaan Rupiah / In million Rupiah)
(Dalam jutaan Rupiah / In million Rupiah)
No. Jenis Transaksi / Transaction Type 31 Desember 2014 31 Desember 2013
(1) (2) (3) (4)
01 TOTAL ATMR RISIKO KREDIT / TOTAL RwA CREDIT RISKS 14.291.448 10.384.365
02TOTAL FAKTOR PENGuRANG MODAL / TOTAL CAPITAL REDuCTION FACTORS
1.143.316 830.749
Tabel 6.2.6. Pengungkapan Eksposur di Unit Usaha Syariah
Table 6.2.6. Disclosure of Business Unit Sharia Exposure
No. Jenis Transaksi / Transaction Type 31 Desember 2014 31 Desember 2013
Modal / Capital ATMR / RWA Modal / Capital ATMR / RWA
(1) (2) (3) (4) (3) (4)
01 Total Eksposur 268.832 1.533.278 215.809 859.034
TOTAL ATMR RISIKO KREDIT / TOTAL RwA CREDIT RISKS
1.533.278 859.034
TOTAL FAKTOR PENGuRANG MODAL / TOTAL CAPITAL REDuCTION FACTORS
122.662 68.723
Tabel 7.1. Pengungkapan Risiko Pasar Dengan Menggunakan Metode Standar
Table 7.1. Disclosure of Market Risk using Standardized Method
No. Jenis Risiko / Type of Risk
31 Desember 2014 31 Desember 2013
Bank Bank
Beban Modal
/ Capital Charge
ATMR / RWA
Beban Modal
/ Capital Charge
ATMR / RWA
(1) (2) (3) (4) (5) (6)
01 Risiko Suku Bunga / Interest Rate Risks 5.444 68.048 15.527 194.088
a. Risiko Spesifik / Specific Risks 2.952 36.898 9.887 123.588
b. Risiko Umum / General Risks 2.492 31.150 5.640 70.500
02 Risiko Nilai Tukar / Exchange Rate Risks 438 5.478 1.565 19.568
03 Risiko Ekuitasv / Equity Risks *) 0 0 0
04 Risiko Komoditas / Commodity Risks *) 0 0 0
05 Risiko Option / Option Risks 0 0 0 0
Total 5.882 73.526 17.092 213.655
(Dalam jutaan Rupiah / In million Rupiah)
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014276
Tabel 8.1.a. Pengungkapan Kuantitatif Risiko Operasional - Bank secara Individual
Tabel 8.1.a. Quantitative Disclosure on the Risk Operation - Bank Unconsolidated
Tabel 7.2.a Pengungkapan Risiko Pasar Dengan Menggunakan Model Internal (Value at Risk/VaR) - Bank secara Individual
Table 7.2.a. Disclosure of Market Risk using Internal Model (Value at Risk/VaR) - Bank Unconsolidated
No. Jenis Risiko / Type of Risk
31 Desember 2014 31 Desember 2013
VaR Rata-rata /
Average VaR
VaR Maksimum / Maximum
VaR
VaR Minimum /
Minimum VaR
VaR Akhir Periode / VaR at End
Period
VaR Rata-rata / Average VaR
VaR Maksimum / Maximum VaR
VaR Minimum / Minimum VaR
VaR Akhir Periode / VaR at End Period
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
01 Risiko Suku Bunga / Interest Rate Risks 0 0 0 0 0 0 0 0
02 Risiko Nilai Tukar / Exchange Rate Risks 0 0 0 0 0 0 0 0
03 Risiko Option / Option Risks 0 0 0 0 0 0 0 0
Total 0 0 0 0 0 0 0 0
No. Pendekatan Yang DigunakanApproach Used
31 Desember 2014 31 Desember 2013
Pendapatan Bruto (Rata-rata 3 tahun
terakhir) / Gross Income (Average of
the Last 3 Years)
Beban Modal / Capital Charge
ATMR / RWAPendapatan Bruto (Rata-rata 3 tahun terakhir) / Gross Income (Average of the
Last 3 Years)Beban Modal / Capital Charge ATMR / RWA
(1) (2) (6) (7) (8)
01Pendekatan Indikator Dasar / Base Indicator Approach
977.144 146.572 1.832.145 795.135 119.270 1.490.878
Total 977.144 146.572 1.832.145 795.135 119.270 1.490.878
(Dalam jutaan Rupiah / In million Rupiah)
(Dalam jutaan Rupiah / In million Rupiah)
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 277
No. Jenis Risiko / Type of Risk
31 Desember 2014 31 Desember 2013
VaR Rata-rata /
Average VaR
VaR Maksimum / Maximum
VaR
VaR Minimum /
Minimum VaR
VaR Akhir Periode / VaR at End
Period
VaR Rata-rata / Average VaR
VaR Maksimum / Maximum VaR
VaR Minimum / Minimum VaR
VaR Akhir Periode / VaR at End Period
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
01 Risiko Suku Bunga / Interest Rate Risks 0 0 0 0 0 0 0 0
02 Risiko Nilai Tukar / Exchange Rate Risks 0 0 0 0 0 0 0 0
03 Risiko Option / Option Risks 0 0 0 0 0 0 0 0
Total 0 0 0 0 0 0 0 0
No. Pendekatan Yang DigunakanApproach Used
31 Desember 2014 31 Desember 2013
Pendapatan Bruto (Rata-rata 3 tahun
terakhir) / Gross Income (Average of
the Last 3 Years)
Beban Modal / Capital Charge
ATMR / RWAPendapatan Bruto (Rata-rata 3 tahun terakhir) / Gross Income (Average of the
Last 3 Years)Beban Modal / Capital Charge ATMR / RWA
(1) (2) (6) (7) (8)
01Pendekatan Indikator Dasar / Base Indicator Approach
977.144 146.572 1.832.145 795.135 119.270 1.490.878
Total 977.144 146.572 1.832.145 795.135 119.270 1.490.878
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014278
No. Pos-pos / Posts
31 Desember 2014
Saldo /Balance
Jatuh Tempo / Maturity
≤ 1 bulan / 1 month> 1 bln s.d. 3 bln / 1 - 3
months> 3 bln s.d. 6 bln / 3 - 6
months> 6 bln s.d. 12 bln / 6 -
12 months> 12 bln / 12 months
(1) (2) (3) (4) (5) (6) (7) (8)
I NERACA / BALANCE ShEET
A Aset / Assets
1 Kas / Cash 322.195 322.195 0 0 0 0
2 Penempatan pada Bank Indonesia / Placements with Bank Indonesia 2.559.323 2.559.323 0 0 0 0
3 Penempatan pada Bank lain / Placements with Other Banks 201.432 158.532 0 24.079 18.821 0
4 Surat Berharga / Securities 1.144.618 10.001 135.627 124.069 203.678 671.243
5 Kredit yang Diberikan / Loans 11.832.281 483.275 788.827 798.584 3.085.849 6.675.747
6 Tagihan lainnya / Other Receivables 37.015 13.071 18.353 5.591 0 0
7 Lain-lain / Others 173.800 173.800 0 0 0 0
Total Aset / Total Assets 16.270.664 3.720.197 942.807 952.323 3.308.348 7.346.990
B. Kewajiban / Liabilities
1 Dana Pihak Ketiga / Third-Party Funds 13.289.209 11.278.548 1.114.108 572.254 324.299 0
2 Kewajiban pada Bank Indonesia / Funds from Bank Indonesia 0 0 0 0 0 0
3 Kewajiban pada bank lain / Funds from Other Banks 686.970 641.970 9.500 35.500 0 0
4 Surat Berharga yang Diterbitkan / Securities Issued 0 0 0 0 0 0
5 Pinjaman yang Diterima / Fund Borrowings 0 0 0 0 0 0
6 Kewajiban lainnya / Other Liabilities 37.079 13.135 18.353 5.591 0 0
7 Lain-lain / Miscellanous 0 0 0 0 0 0
Total Kewajiban / Total Liabilities 14.013.258 11.933.653 1.141.961 613.345 324.299 0
Selisih Aset dengan Kewajiban dalam Neraca / Difference Between Assets and Liabilities on Balance Sheets
2.257.406 (8.213.456) (199.154) 338.978 2.984.049 7.346.990
II REKENING ADMINISTRATIF / ADMINISTRATIVE ACCOuNT
A. Tagihan Rekening Administratif / Administrative Account Claims
1 Komitmen / Commitments 0 0 0 0 0 0
2 Kontinjensi / Contingencies 8.786 8.786 0 0 0 0
Total Tagihan Rekening Administratif / Total Administrative Account Claims 8.786 8.786 0 0 0 0
B. Kewajiban Rekening Administratif
1 Komitmen / Commitments 1.511.426 27.353 266.364 517.988 353.242 346.479
2 Kontinjensi / Contingencies 920.026 322.783 78.119 175.914 202.234 140.976
Total Kewajiban Rekening Administratif / Total Administrative Account Liabilities 2.431.452 350.136 344.483 693.902 555.476 487.455
Selisih Tagihan dan Kewajiban dalam Rekening Administratif / Difference Between Administrative Account Claims and Liabilities
(2.422.666) (341.350) (344.483) (693.902) (555.476) (487.455)
Selisih (IA-IB)+(IIA-IIB) / Difference (IA-IB)+(IIA-IIB) (165.260) (8.554.806) (543.637) (354.924) 2.428.573 6.859.535
Selisih Kumulatif / Cumulative Difference 0 (8.554.806) (9.098.444) (9.453.368) (7.024.795) (165.260)
Tabel 9.1.a. Pengungkapan Profil Maturitas Rupiah - Bank secara Individual
Table 9.1.a. Disclosure of Rupiah Maturities Profile - Bank Unconsolidated(Dalam jutaan Rupiah / In million Rupiah)
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 279
No. Pos-pos / Posts
31 Desember 2014
Saldo /Balance
Jatuh Tempo / Maturity
≤ 1 bulan / 1 month> 1 bln s.d. 3 bln / 1 - 3
months> 3 bln s.d. 6 bln / 3 - 6
months> 6 bln s.d. 12 bln / 6 -
12 months> 12 bln / 12 months
(1) (2) (3) (4) (5) (6) (7) (8)
I NERACA / BALANCE ShEET
A Aset / Assets
1 Kas / Cash 322.195 322.195 0 0 0 0
2 Penempatan pada Bank Indonesia / Placements with Bank Indonesia 2.559.323 2.559.323 0 0 0 0
3 Penempatan pada Bank lain / Placements with Other Banks 201.432 158.532 0 24.079 18.821 0
4 Surat Berharga / Securities 1.144.618 10.001 135.627 124.069 203.678 671.243
5 Kredit yang Diberikan / Loans 11.832.281 483.275 788.827 798.584 3.085.849 6.675.747
6 Tagihan lainnya / Other Receivables 37.015 13.071 18.353 5.591 0 0
7 Lain-lain / Others 173.800 173.800 0 0 0 0
Total Aset / Total Assets 16.270.664 3.720.197 942.807 952.323 3.308.348 7.346.990
B. Kewajiban / Liabilities
1 Dana Pihak Ketiga / Third-Party Funds 13.289.209 11.278.548 1.114.108 572.254 324.299 0
2 Kewajiban pada Bank Indonesia / Funds from Bank Indonesia 0 0 0 0 0 0
3 Kewajiban pada bank lain / Funds from Other Banks 686.970 641.970 9.500 35.500 0 0
4 Surat Berharga yang Diterbitkan / Securities Issued 0 0 0 0 0 0
5 Pinjaman yang Diterima / Fund Borrowings 0 0 0 0 0 0
6 Kewajiban lainnya / Other Liabilities 37.079 13.135 18.353 5.591 0 0
7 Lain-lain / Miscellanous 0 0 0 0 0 0
Total Kewajiban / Total Liabilities 14.013.258 11.933.653 1.141.961 613.345 324.299 0
Selisih Aset dengan Kewajiban dalam Neraca / Difference Between Assets and Liabilities on Balance Sheets
2.257.406 (8.213.456) (199.154) 338.978 2.984.049 7.346.990
II REKENING ADMINISTRATIF / ADMINISTRATIVE ACCOuNT
A. Tagihan Rekening Administratif / Administrative Account Claims
1 Komitmen / Commitments 0 0 0 0 0 0
2 Kontinjensi / Contingencies 8.786 8.786 0 0 0 0
Total Tagihan Rekening Administratif / Total Administrative Account Claims 8.786 8.786 0 0 0 0
B. Kewajiban Rekening Administratif
1 Komitmen / Commitments 1.511.426 27.353 266.364 517.988 353.242 346.479
2 Kontinjensi / Contingencies 920.026 322.783 78.119 175.914 202.234 140.976
Total Kewajiban Rekening Administratif / Total Administrative Account Liabilities 2.431.452 350.136 344.483 693.902 555.476 487.455
Selisih Tagihan dan Kewajiban dalam Rekening Administratif / Difference Between Administrative Account Claims and Liabilities
(2.422.666) (341.350) (344.483) (693.902) (555.476) (487.455)
Selisih (IA-IB)+(IIA-IIB) / Difference (IA-IB)+(IIA-IIB) (165.260) (8.554.806) (543.637) (354.924) 2.428.573 6.859.535
Selisih Kumulatif / Cumulative Difference 0 (8.554.806) (9.098.444) (9.453.368) (7.024.795) (165.260)
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014280
No. Pos-pos / Posts
31 Desember 2013
Saldo /Balance
Jatuh Tempo / Maturity
≤ 1 bulan / 1 month> 1 bln s.d. 3 bln / 1 - 3
months> 3 bln s.d. 6 bln / 3 - 6
months> 6 bln s.d. 12 bln / 6 -
12 months> 12 bln / 12 months
(1) (2) (3) (4) (5) (6) (7) (8)
I NERACA / BALANCE ShEET
A Aset / Assets
1 Kas / Cash 345.659 345.659 0 0 0 0
2 Penempatan pada Bank Indonesia / Placements with Bank Indonesia 1.351.774 1.351.774 0 0 0 0
3 Penempatan pada Bank lain / Placements with Other Banks 79.097 79.095 0 2 0 0
4 Surat Berharga / Securities 920.457 0 108.008 58.002 217.073 537.374
5 Kredit yang Diberikan / Loans 9.662.466 118.051 494.918 728.074 2.543.578 5.777.845
6 Tagihan lainnya / Other Receivables 139.240 139.240 0 0 0 0
7 Lain-lain / Others 0 0 0 0 0 0
Total Aset / Total Assets 12.498.693 2.033.819 602.926 786.078 2.760.651 6.315.219
B. Kewajiban / Liabilities
1 Dana Pihak Ketiga / Third-Party Funds 10.338.363 9.414.210 405.940 254.769 263.444 0
2 Kewajiban pada Bank Indonesia / Funds from Bank Indonesia 0 0 0 0 0 0
3 Kewajiban pada bank lain / Funds from Other Banks 220.483 176.746 183 43.554 0
4 Surat Berharga yang Diterbitkan / Securities Issued 0 0 0 0 0 0
5 Pinjaman yang Diterima / Fund Borrowings 0 0 0 0 0 0
6 Kewajiban lainnya / Other Liabilities 0 0 0 0 0 0
7 Lain-lain / Miscellanous 0 0 0 0 0 0
Total Kewajiban / Total Liabilities 10.558.846 9.590.956 406.123 298.323 263.444 0
Selisih Aset dengan Kewajiban dalam Neraca / Difference Between Assets and Liabilities on Balance Sheets
1.939.847 (7.557.137) 196.803 487.755 2.497.207 6.315.219
II REKENING ADMINISTRATIF / ADMINISTRATIVE ACCOuNT
A. Tagihan Rekening Administratif / Administrative Account Claims
1 Komitmen / Commitments 0 0 0 0 0 0
2 Kontinjensi / Contingencies 27.934 27.934 0 0 0 0
Total Tagihan Rekening Administratif / Total Administrative Account Claims 27.934 27.934 0 0 0 0
B. Kewajiban Rekening Administratif
1 Komitmen / Commitments 1.004.717 22.159 220.737 316.525 308.043 137.253
2 Kontinjensi / Contingencies 1.001.957 349.792 56.670 203.470 277.143 114.882
Total Kewajiban Rekening Administratif / Total Administrative Account Liabilities 2.006.674 371.951 277.407 519.995 585.186 252.135
Selisih Tagihan dan Kewajiban dalam Rekening Administratif / Difference Between Administrative Account Claims and Liabilities
(1.978.740) (344.017) (277.407) (519.995) (585.186) (252.135)
Selisih (IA-IB)+(IIA-IIB) / Difference (IA-IB)+(IIA-IIB) (38.893) (7.901.154) (80.604) (32.240) 1.912.021 6.063.084
Selisih Kumulatif / Cumulative Difference 0 (7,901,154) (7,981,758) (8,013,998) (6,101,977) (38,893)
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 281
No. Pos-pos / Posts
31 Desember 2013
Saldo /Balance
Jatuh Tempo / Maturity
≤ 1 bulan / 1 month> 1 bln s.d. 3 bln / 1 - 3
months> 3 bln s.d. 6 bln / 3 - 6
months> 6 bln s.d. 12 bln / 6 -
12 months> 12 bln / 12 months
(1) (2) (3) (4) (5) (6) (7) (8)
I NERACA / BALANCE ShEET
A Aset / Assets
1 Kas / Cash 345.659 345.659 0 0 0 0
2 Penempatan pada Bank Indonesia / Placements with Bank Indonesia 1.351.774 1.351.774 0 0 0 0
3 Penempatan pada Bank lain / Placements with Other Banks 79.097 79.095 0 2 0 0
4 Surat Berharga / Securities 920.457 0 108.008 58.002 217.073 537.374
5 Kredit yang Diberikan / Loans 9.662.466 118.051 494.918 728.074 2.543.578 5.777.845
6 Tagihan lainnya / Other Receivables 139.240 139.240 0 0 0 0
7 Lain-lain / Others 0 0 0 0 0 0
Total Aset / Total Assets 12.498.693 2.033.819 602.926 786.078 2.760.651 6.315.219
B. Kewajiban / Liabilities
1 Dana Pihak Ketiga / Third-Party Funds 10.338.363 9.414.210 405.940 254.769 263.444 0
2 Kewajiban pada Bank Indonesia / Funds from Bank Indonesia 0 0 0 0 0 0
3 Kewajiban pada bank lain / Funds from Other Banks 220.483 176.746 183 43.554 0
4 Surat Berharga yang Diterbitkan / Securities Issued 0 0 0 0 0 0
5 Pinjaman yang Diterima / Fund Borrowings 0 0 0 0 0 0
6 Kewajiban lainnya / Other Liabilities 0 0 0 0 0 0
7 Lain-lain / Miscellanous 0 0 0 0 0 0
Total Kewajiban / Total Liabilities 10.558.846 9.590.956 406.123 298.323 263.444 0
Selisih Aset dengan Kewajiban dalam Neraca / Difference Between Assets and Liabilities on Balance Sheets
1.939.847 (7.557.137) 196.803 487.755 2.497.207 6.315.219
II REKENING ADMINISTRATIF / ADMINISTRATIVE ACCOuNT
A. Tagihan Rekening Administratif / Administrative Account Claims
1 Komitmen / Commitments 0 0 0 0 0 0
2 Kontinjensi / Contingencies 27.934 27.934 0 0 0 0
Total Tagihan Rekening Administratif / Total Administrative Account Claims 27.934 27.934 0 0 0 0
B. Kewajiban Rekening Administratif
1 Komitmen / Commitments 1.004.717 22.159 220.737 316.525 308.043 137.253
2 Kontinjensi / Contingencies 1.001.957 349.792 56.670 203.470 277.143 114.882
Total Kewajiban Rekening Administratif / Total Administrative Account Liabilities 2.006.674 371.951 277.407 519.995 585.186 252.135
Selisih Tagihan dan Kewajiban dalam Rekening Administratif / Difference Between Administrative Account Claims and Liabilities
(1.978.740) (344.017) (277.407) (519.995) (585.186) (252.135)
Selisih (IA-IB)+(IIA-IIB) / Difference (IA-IB)+(IIA-IIB) (38.893) (7.901.154) (80.604) (32.240) 1.912.021 6.063.084
Selisih Kumulatif / Cumulative Difference 0 (7,901,154) (7,981,758) (8,013,998) (6,101,977) (38,893)
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014282
Tabel 9.2.a. Pengungkapan Profil Maturitas Valas - Bank secara Individual
Table 9.2.a. Disclosure of Foreign Exchange Maturities Profile - Bank Unconsolidated
(Dalam jutaan Rupiah / In million Rupiah)
No. Pos-pos / Posts
31 Desember 2014
Saldo /Balance
Jatuh Tempo / Maturity
≤ 1 bulan / 1 month> 1 bln s.d. 3 bln / 1 - 3
months> 3 bln s.d. 6 bln / 3 - 6
months> 6 bln s.d. 12 bln / 6 -
12 months> 12 bln / 12 months
(1) (2) (3) (4) (5) (6) (7) (8)
I NERACA / BALANCE ShEET
A Aset / Assets
1 Kas / Cash 48.796 48.796 0 0 0 0
2 Penempatan pada Bank Indonesia / Placements with Bank Indonesia 359.642 359.642 0 0 0 0
3 Penempatan pada Bank lain / Placements with Other Banks 493.227 488.598 4.629 0 0 0
4 Surat Berharga / Securities 306.677 21.576 130.148 61.521 0 93.432
5 Kredit yang Diberikan / Loans 2.561.122 1.266 182.427 243.989 1.080.470 1.052.970
6 Tagihan lainnya / Other Receivables 30.821 11.879 15.076 3.866 0 0
7 Lain-lain / Others 173.800 173.800 0 0 0 0
Total Aset / Total Assets 3.974.085 1.105.556 332.280 309.376 1.080.470 1.146.402
B. Kewajiban / Liabilities
1 Dana Pihak Ketiga / Third-Party Funds 3.657.022 2.500.445 525.522 477.483 153.572 0
2 Kewajiban pada Bank Indonesia / Funds from Bank Indonesia 0 0 0 0 0 0
3 Kewajiban pada bank lain / Funds from Other Banks 79.268 79.268 0 0 0 0
4 Surat Berharga yang Diterbitkan / Securities Issued 0 0 0 0 0 0
5 Pinjaman yang Diterima / Fund Borrowings 0 0 0 0 0 0
6 Kewajiban lainnya / Other Liabilities 30.821 11.879 15.076 3.866 0 0
7 Lain-lain / Miscellanous 0 0 0 0 0 0
Total Kewajiban / Total Liabilities 3.767.111 2.591.592 540.598 481.349 153.572 0
Selisih Aset dengan Kewajiban dalam Neraca / Difference Between Assets and Liabilities on Balance Sheets
206.974 (1.486.036) (208.318) (171.973) 926.898 1.146.402
II REKENING ADMINISTRATIF / ADMINISTRATIVE ACCOuNT
A. Tagihan Rekening Administratif / Administrative Account Claims
1 Komitmen / Commitments 97.921 91.728 0 6.193 0 0
2 Kontinjensi / Contingencies 67.894 67.894 0 0 0 0
Total Tagihan Rekening Administratif / Total Administrative Account Claims 165.815 159.622 0 6.193 0 0
B. Kewajiban Rekening Administratif
1 Komitmen / Commitments 268.871 112.986 67.601 10.328 77.956 0
2 Kontinjensi / Contingencies 365.136 53.785 224.428 5.778 60.796 20.349
Total Kewajiban Rekening Administratif / Total Administrative Account Liabilities 634.007 166.771 292.029 16.106 138.752 20.349
Selisih Tagihan dan Kewajiban dalam Rekening Administratif / Difference Between Administrative Account Claims and Liabilities
(468.192) (7.149) (292.029) (9.913) (138.752) (20.349)
Selisih (IA-IB)+(IIA-IIB) / Difference (IA-IB)+(IIA-IIB) (261.218) (1.493.185) (500.347) (181.886) 788.146 1.126.053
Selisih Kumulatif / Cumulative Difference (1.493.185) (1.993.532) (2.175.417) (1.387.271) (261.218)
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 283
No. Pos-pos / Posts
31 Desember 2014
Saldo /Balance
Jatuh Tempo / Maturity
≤ 1 bulan / 1 month> 1 bln s.d. 3 bln / 1 - 3
months> 3 bln s.d. 6 bln / 3 - 6
months> 6 bln s.d. 12 bln / 6 -
12 months> 12 bln / 12 months
(1) (2) (3) (4) (5) (6) (7) (8)
I NERACA / BALANCE ShEET
A Aset / Assets
1 Kas / Cash 48.796 48.796 0 0 0 0
2 Penempatan pada Bank Indonesia / Placements with Bank Indonesia 359.642 359.642 0 0 0 0
3 Penempatan pada Bank lain / Placements with Other Banks 493.227 488.598 4.629 0 0 0
4 Surat Berharga / Securities 306.677 21.576 130.148 61.521 0 93.432
5 Kredit yang Diberikan / Loans 2.561.122 1.266 182.427 243.989 1.080.470 1.052.970
6 Tagihan lainnya / Other Receivables 30.821 11.879 15.076 3.866 0 0
7 Lain-lain / Others 173.800 173.800 0 0 0 0
Total Aset / Total Assets 3.974.085 1.105.556 332.280 309.376 1.080.470 1.146.402
B. Kewajiban / Liabilities
1 Dana Pihak Ketiga / Third-Party Funds 3.657.022 2.500.445 525.522 477.483 153.572 0
2 Kewajiban pada Bank Indonesia / Funds from Bank Indonesia 0 0 0 0 0 0
3 Kewajiban pada bank lain / Funds from Other Banks 79.268 79.268 0 0 0 0
4 Surat Berharga yang Diterbitkan / Securities Issued 0 0 0 0 0 0
5 Pinjaman yang Diterima / Fund Borrowings 0 0 0 0 0 0
6 Kewajiban lainnya / Other Liabilities 30.821 11.879 15.076 3.866 0 0
7 Lain-lain / Miscellanous 0 0 0 0 0 0
Total Kewajiban / Total Liabilities 3.767.111 2.591.592 540.598 481.349 153.572 0
Selisih Aset dengan Kewajiban dalam Neraca / Difference Between Assets and Liabilities on Balance Sheets
206.974 (1.486.036) (208.318) (171.973) 926.898 1.146.402
II REKENING ADMINISTRATIF / ADMINISTRATIVE ACCOuNT
A. Tagihan Rekening Administratif / Administrative Account Claims
1 Komitmen / Commitments 97.921 91.728 0 6.193 0 0
2 Kontinjensi / Contingencies 67.894 67.894 0 0 0 0
Total Tagihan Rekening Administratif / Total Administrative Account Claims 165.815 159.622 0 6.193 0 0
B. Kewajiban Rekening Administratif
1 Komitmen / Commitments 268.871 112.986 67.601 10.328 77.956 0
2 Kontinjensi / Contingencies 365.136 53.785 224.428 5.778 60.796 20.349
Total Kewajiban Rekening Administratif / Total Administrative Account Liabilities 634.007 166.771 292.029 16.106 138.752 20.349
Selisih Tagihan dan Kewajiban dalam Rekening Administratif / Difference Between Administrative Account Claims and Liabilities
(468.192) (7.149) (292.029) (9.913) (138.752) (20.349)
Selisih (IA-IB)+(IIA-IIB) / Difference (IA-IB)+(IIA-IIB) (261.218) (1.493.185) (500.347) (181.886) 788.146 1.126.053
Selisih Kumulatif / Cumulative Difference (1.493.185) (1.993.532) (2.175.417) (1.387.271) (261.218)
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014284
No. Pos-pos / Posts
31 Desember 2013
Saldo /Balance
Jatuh Tempo / Maturity
≤ 1 bulan / 1 month> 1 bln s.d. 3 bln / 1 - 3
months> 3 bln s.d. 6 bln / 3 - 6
months> 6 bln s.d. 12 bln / 6 -
12 months> 12 bln / 12 months
(1) (2) (3) (4) (5) (6) (7) (8)
I NERACA / BALANCE ShEET
A Aset / Assets
1 Kas / Cash 30.249 30.249 0 0 0 0
2 Penempatan pada Bank Indonesia / Placements with Bank Indonesia 1.026.654 1.026.654 0 0 0 0
3 Penempatan pada Bank lain / Placements with Other Banks 773.676 352.556 3.580 5.802 411.738 0
4 Surat Berharga / Securities 424.157 69.828 107.644 118.756 0 127.929
5 Kredit yang Diberikan / Loans 1.408.162 5.819 220.045 588.774 258.273 335.251
6 Tagihan lainnya / Other Receivables 238.324 17.801 23.744 2.059 194.720 0
7 Lain-lain / Others 0 0 0 0 0 0
Total Aset / Total Assets 3.901.222 1.502.907 355.013 715.391 864.731 463.180
B. Kewajiban / Liabilities
1 Dana Pihak Ketiga / Third-Party Funds 3.480.698 1.918.514 287.066 176.352 246.495 852.271
2 Kewajiban pada Bank Indonesia / Funds from Bank Indonesia 0 0 0 0 0 0
3 Kewajiban pada bank lain / Funds from Other Banks 36.199 36.199 0 0 0 0
4 Surat Berharga yang Diterbitkan / Securities Issued 0 0 0 0 0 0
5 Pinjaman yang Diterima / Fund Borrowings 0 0 0 0 0 0
6 Kewajiban lainnya / Other Liabilities 0 0 0 0 0 0
7 Lain-lain / Miscellanous 0 0 0 0 0 0
Total Kewajiban / Total Liabilities 3.516.897 1.954.713 287.066 176.352 246.495 852.271
Selisih Aset dengan Kewajiban dalam Neraca / Difference Between Assets and Liabilities on Balance Sheets
384.325 (451.806) 67.947 539.039 618.236 (389.091)
II REKENING ADMINISTRATIF / ADMINISTRATIVE ACCOuNT
A. Tagihan Rekening Administratif / Administrative Account Claims
1 Komitmen / Commitments 166.311 166.311 0 0 0 0
2 Kontinjensi / Contingencies 0 0 0 0 0 0
Total Tagihan Rekening Administratif / Total Administrative Account Claims 166.311 166.311 0 0 0 0
B. Kewajiban Rekening Administratif
1 Komitmen / Commitments 418.220 184.727 110.846 69.124 53.523 0
2 Kontinjensi / Contingencies 156.255 572 1.391 1.431 152.861 0
Total Kewajiban Rekening Administratif / Total Administrative Account Liabilities 574.475 185.299 112.237 70.555 206.384 0
Selisih Tagihan dan Kewajiban dalam Rekening Administratif / Difference Between Administrative Account Claims and Liabilities
(408.164) (18.988) (112.237) (70.555) (206.384) 0
Selisih (IA-IB)+(IIA-IIB) / Difference (IA-IB)+(IIA-IIB) (23.839) (470.794) (44.290) 468.484 411.852 (389.091)
Selisih Kumulatif / Cumulative Difference 0 (470.794) (515.084) (46.600) 365.252 (23.839)
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 285
No. Pos-pos / Posts
31 Desember 2013
Saldo /Balance
Jatuh Tempo / Maturity
≤ 1 bulan / 1 month> 1 bln s.d. 3 bln / 1 - 3
months> 3 bln s.d. 6 bln / 3 - 6
months> 6 bln s.d. 12 bln / 6 -
12 months> 12 bln / 12 months
(1) (2) (3) (4) (5) (6) (7) (8)
I NERACA / BALANCE ShEET
A Aset / Assets
1 Kas / Cash 30.249 30.249 0 0 0 0
2 Penempatan pada Bank Indonesia / Placements with Bank Indonesia 1.026.654 1.026.654 0 0 0 0
3 Penempatan pada Bank lain / Placements with Other Banks 773.676 352.556 3.580 5.802 411.738 0
4 Surat Berharga / Securities 424.157 69.828 107.644 118.756 0 127.929
5 Kredit yang Diberikan / Loans 1.408.162 5.819 220.045 588.774 258.273 335.251
6 Tagihan lainnya / Other Receivables 238.324 17.801 23.744 2.059 194.720 0
7 Lain-lain / Others 0 0 0 0 0 0
Total Aset / Total Assets 3.901.222 1.502.907 355.013 715.391 864.731 463.180
B. Kewajiban / Liabilities
1 Dana Pihak Ketiga / Third-Party Funds 3.480.698 1.918.514 287.066 176.352 246.495 852.271
2 Kewajiban pada Bank Indonesia / Funds from Bank Indonesia 0 0 0 0 0 0
3 Kewajiban pada bank lain / Funds from Other Banks 36.199 36.199 0 0 0 0
4 Surat Berharga yang Diterbitkan / Securities Issued 0 0 0 0 0 0
5 Pinjaman yang Diterima / Fund Borrowings 0 0 0 0 0 0
6 Kewajiban lainnya / Other Liabilities 0 0 0 0 0 0
7 Lain-lain / Miscellanous 0 0 0 0 0 0
Total Kewajiban / Total Liabilities 3.516.897 1.954.713 287.066 176.352 246.495 852.271
Selisih Aset dengan Kewajiban dalam Neraca / Difference Between Assets and Liabilities on Balance Sheets
384.325 (451.806) 67.947 539.039 618.236 (389.091)
II REKENING ADMINISTRATIF / ADMINISTRATIVE ACCOuNT
A. Tagihan Rekening Administratif / Administrative Account Claims
1 Komitmen / Commitments 166.311 166.311 0 0 0 0
2 Kontinjensi / Contingencies 0 0 0 0 0 0
Total Tagihan Rekening Administratif / Total Administrative Account Claims 166.311 166.311 0 0 0 0
B. Kewajiban Rekening Administratif
1 Komitmen / Commitments 418.220 184.727 110.846 69.124 53.523 0
2 Kontinjensi / Contingencies 156.255 572 1.391 1.431 152.861 0
Total Kewajiban Rekening Administratif / Total Administrative Account Liabilities 574.475 185.299 112.237 70.555 206.384 0
Selisih Tagihan dan Kewajiban dalam Rekening Administratif / Difference Between Administrative Account Claims and Liabilities
(408.164) (18.988) (112.237) (70.555) (206.384) 0
Selisih (IA-IB)+(IIA-IIB) / Difference (IA-IB)+(IIA-IIB) (23.839) (470.794) (44.290) 468.484 411.852 (389.091)
Selisih Kumulatif / Cumulative Difference 0 (470.794) (515.084) (46.600) 365.252 (23.839)
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014286
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 287
Tata Kelola PerusahaanGood Corporate Governance
06
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014288
Penerapan prinsip-prinsip tata kelola perusahaan yang baik
atau Good Corporate Governance (GCG) dalam kelangsungan
bisnis di industri perbankan merupakan hal yang fundamental.
Berdasarkan hal tersebut, Bank Sinarmas berkomitmen untuk
menjadikan prinsip-prinsip GCG sebagai acuan di seluruh
tingkatan dan jenjang organisasi. Bank Sinarmas menyadari
bahwa terlaksananya prinsip-prinsip GCG secara konsisten
akan memperkuat posisi daya saing, meningkatkan kinerja
serta meningkatkan kepercayaan para pemegang saham dan
Stakeholder lainnya.
Penerapan GCG Bank Sinarmas berpedoman pada ketentuan-
ketentuan sebagai berikut:
1. Undang-undang No. 40 tahun 2007 tentang Perseroan
Terbatas.
2. Undang-undang No. 8 tahun 1995 tentang Pasar Modal.
3. Peraturan Bank Indonesia.
4. Peraturan Bapepam-LK.
5. Peraturan Bursa Efek Indonesia.
6. Peraturan Otoritas Jasa Keuangan.
7. Pedoman GCG Komite Nasional Kebijakan Governance
(KNKG).
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 Rapat Umum
Pemegang Saham (RUPS), yang dapat menunjuk Dewan
Komisaris untuk memantau pelaksanaan tugas Direksi dalam
mengawasi pengelolaan perusahaan. Kami berkomitmen tinggi
dalam penerapan GCG yang efektif sesuai dengan pedoman
yang dikeluarkan oleh Komite Nasional Kebijakan Governance
(KNKG), yaitu Transparansi, Akuntabilitas, Tanggung Jawab,
Independensi, dan Kewajaran.
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:
The implementation of good corporate governance (GCG)
principle for business sustainability in banking industry is
a fundamental aspect. Based on that, Bank Sinarmas is
committed to manifest GCG principles as a guideline in all
organization levels. Bank Sinarmas realizes that the consistent
implementation of GCG principles will strengthen the
Company’s competitiveness, increase performance and trust
from its stakeholders.
The GCG implementation of Bank Sinarmas complies to these
following regulations:
1. The Law No. 40 Year 2007 on Liability Limited Company
2. The Law No. 8 Year 1995 on Capital Market
3. The regulations of Bank of Indonesia
4. The regulations of Bapepam-LK
5. The regulations of Indonesian Stock Exchange
6. The regulations of Financial Services Authority
7. The GCG Guidelines of National Committee of Governance
Policy (KNKG)
Bank Sinarmas has conducted a good corporate governance, thus
Management could uphold the accountability and transparency
of financial matters, as well as demonstrate an ethical behaviour
to its stakeholders through business strategy and important
decisions. The highest organ of corporate governance is GMS,
which is able to appoint Board of Commissioners to supervise
the implementation of duties and responsibilities of Board of
Directors. We are high-committed in implementing effective
GCG practice according to the principles stated of KNKG,
known as transparency, accountability, responsibility, fairness
and independency.
The GCG principles become the main system which function
to improve reputation, efficiency, effectivity and social
responsibility of Bank Sinarmas. Generally, the GCG principles
conducted by Bank Sinarmas are clearly demonstrated by these
principles:
DASAR PENERAPAN TATA KELOLA PERUSAHAANThe Basis of Corporate Governance Implementation
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 289
• Transparansi
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.
• Akuntabilitas
Dengan menerapkan prinsip akuntabilitas
maka fungsi, tugas, wewenang dan
pertanggungjawaban disetiap masing-masing
organ Bank akan semakin jelas.
• TanggungJawab
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.
• Kewajaran
Dalam melaksanakan kegiatan usaha,
Perusahaan senantiasa memperhatikan
kepentingan pemegang saham dan pemangku
kepentingan lainnya berdasarkan asas
kewajaran dan kesetaraan.
• Independensi
Untuk melancarkan pelaksanaan asas GCG,
Perusahaan dikelola secara independen
sehingga masing-masing organ perusahaan
selalu berusaha untuk obyektif dalam setiap
pengambilan keputusan serta mengedepankan
profesionalisme, kemandirian, dan objektifitas
agar tidak saling mendominasi dan tidak dapat
diintervensi oleh pihak lain.
Tinjauan Unit-Unit BisnisBusiness Review
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. Bank Sinarmas Tbk. 289
KewajaranFairness
• Transparency
Bank Sinarmas is committed to share information clearly,
openly, and accurately for its stakeholders and shareholders.
The transparency process is strictly bound to the confidential
information of the Company, position and personal rights
according to the prevailing regulations.
• Accountability
By being accountable, the function, duties and responsibilities
held by each organ of the Bank will be understandable.
• Responsibility
The Company complies to the prevailing rules and regulations,
conduct its responsibilities to communities and environment
to improve the long-term sustainable business process and
being acknowledged as a good corporate citizen.
• Fairness
In conducting business activities, the Company prioritizes the
interest of shareholders and other stakeholders.
• Independency
In order to implement GCG principles, the Company is
managed independently; thus each organ of the Company
strives to act in an objective manner in every decision-making.
The Company also upholds professionalism, independency
and objectivity in order not to be dominant, as well as
intervene and being intervened by others.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014290
THE IMPLEMENTATION OF CORPORATE GOVERNANCE
Bank Sinarmas also strives to implement GCG principles in every
line of business of the Company to create an effective, efficient
and sustainable governance.
IMPLEMENTASI TATA KELOLA PERUSAHAAN
Bank 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
• Menyampaikan pengumuman laporan keuangan publikasi triwulan melalui surat kabar harian berbahasa Indonesia paling sedikit 1 (satu) surat kabar yang beredar secara nasional.
Announce the Q3 financial report through Indonesian daily newspaper, at least 1 (one) newspaper which circulates in national scope.
• Menyampaikan laporan tahunan Bank kepada Bank Indonesia, Yayasan Lembaga Konsumen Indonesia, 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.
Bank Sinarmas also submitted annual reports to the Bank of Indonesia, Indonesian Consumers Foundation, Indonesia Rating Agencies, Indonesian Banking Association, Indonesia Banking Development Institute, 2 (two) Research Institutes on Economy and Finance, 2 (two) Economic and Finance Magazines.
Akuntabilitas / Accountability
• Menetapkan tanggung jawab yang jelas dari masing-masing organ Bank yang selaras dengan visi, misi, sasaran usaha, dan strategi Bank Sinarmas.
Specify obvious responsibility for each organ of the Bank in accordance with the vision, mission, business targets and strategies of Bank Sinarmas.
• Menerapkan check and balance system. Implement check and balance system.• Memiliki ukuran kinerja dari semua jajaran berdasarkan ukuran yang disepakati, konsisten dengan nilai-nilai
perusahaan (corporate values), sasaran usaha, dan strategi Bank, serta memiliki sistem reward dan punishment. Conduct performance indicators from all levels according to the agreed aspects, being consistent with corporate
values, business targets and strategies, also conduct reward and punishment system.• Meyakini bahwa semua organ pada struktur organisasi Bank mempunyai kompetensi yang sesuai dengan
tanggung jawab dan memahami perannya dalam implementasi GCG. Trust that every organ in the Bank’s organizational structure has the right competence based on its responsibilities
and understand its role in implementing GCG principles.
Tanggung jawab • Berpegang pada prinsip kehati-hatian (prudential banking practices) dan menjamin kepatuhan terhadap peraturan yang berlaku.
Uphold the principle of prudential banking practices and guarantees its compliance with the prevailing regulations.• Peduli terhadap lingkungan dan tidak melupakan tanggung jawab sosialnya terhadap masyarakat. Taking care of the environment and conduct its social responsibility to the communities.
Kewajaran 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 fulfills all shareholders rights and other stakeholders in a fair and equal manner, in order to prevent dominance from any parties. Bank Sinarmas provides equal opportunities to all stakeholders in giving opinions and responses for the Company’s interest.
Independensi • Senantiasa menghindari terjadinya dominasi yang tidak wajar oleh Stakeholders mana pun. Constantly avoids flawed domination from any stakeholders.• Berusaha untuk tidak terpengaruh oleh kepentingan sepihak. Tries to not be affected by certain interest.• Membebaskan diri dari benturan kepentingan (conflict of interest). Avoid conflict of interest.• Berusaha mengambil keputusan secara objektif dan bebas dari segala tekanan. Tries to make decision in an objective way and without any pressure.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 291
CORPORATE GOVERNANCE ASSESSMENT
In order to improve the quality of GCG implementation,
Bank Sinarmas regularly conducts a comprehensive self-
assessment. Aside from supervising and evaluating the current
GCG implementation, the assessment functions as a method
of development and improvement of sustainable corporate
governance, including corrective action if needed due to
achieve better result.
GCG Assessment Indicators
The indicators of GCG assessment are based on 11 aspects
which contributes to strengthen GCG practice, namely:
1. The implementation of duties and responsibilities of Board
of Commissioners
2. The implementation of duties and responsibilities of Board
of Directors
3. Tasks completion and implementation of committees
4. Confict of interest management
5. The implementation of the Bank’s compliance
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 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
General Summary of Self-Assessment Result of GCG
Implementation
PENILAIAN TATA KELOLA PERUSAHAAN
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 Penilaian GCG
Indikator penilaian GCG didasarkan pada 11 aspek yang
membangun penguatan GCG antara lain:
1. Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris
2. Pelaksanaan Tugas dan Tanggung Jawab Direksi
3. Kelengkapan dan Pelaksanaan Tugas Komite
4. Penanganan Benturan Kepentingan
5. Penerapan Fungsi Kepatuhan Bank
6. Penerapan Fungsi Audit Intern
7. Penerapan Fungsi Audit Ekstern
8. Penerapan Manajemen Risiko termasuk Sistem Pengendalian
Intern
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
Hasil Penilaian Sendiri Pelaksanaan GCG / The GCG implementation Self-Assessment Result
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 a Good corporate governance. The result is shown by the compliance of the Company in implementing GCG principles, therefore any flaws in the process are considered to be insignificant and could be managed by the Bank.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014292
PETA ARAH TATA KELOLA PERUSAHAAN
Perusahaan menyadari penerapan GCG secara
berkesinambungan dalam persaingan usaha yang semakin
kompetitif merupakan hal yang sangat penting. Oleh karena
itu, Perusahaan merumuskan pelaksanaan GCG dalam suatu
peta arah tata kelola perusahaan sesuai dengan acuan dari
Otoritas Jasa Keuangan (OJK) dengan tujuan akhir menjadikan
Perusahaan sebagai salah satu good corporate citizen.
STRUKTUR TATA KELOLA PERUSAHAAN
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.
RUPS
Dewan KomisarisBoard of Commissioner
Komite AuditAudit Committee
Sekretaris PerusahaanAsset & Liability
Management Commitee (ALCO)
Komite Pemantauan Risiko
Satuan Kerja Audit Intern
Komite Kredit
Komite Remunerasi dan Nominasi
Satuan Kerja KepatuhanKomite Informasi
Teknologi
Komite Good Corporate Governance
Satuan Kerja Manajemen Risiko
Komite Manajemen Risiko
Komite Human Capital Management (HCM)
DireksiBoard of Director
PETA ARAH TATA KELOLA PERUSAHAAN
Perusahaan menyadari penerapan GCG secara
berkesinambungan dalam persaingan usaha yang semakin
kompetitif merupakan hal yang sangat penting. Oleh karena
itu, Perusahaan merumuskan pelaksanaan GCG dalam suatu
peta arah tata kelola perusahaan sesuai dengan acuan dari
Otoritas Jasa Keuangan (OJK) dengan tujuan akhir menjadikan
Perusahaan sebagai salah satu good corporate citizen.
THE 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 within the prevailing
regulations, the Bank’s Article of Association, and other rules
and policies which are based on independency principle in
doing each task, function, and responsibility.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 293
RAPAT UMUM PEMEGANG SAHAM (RUPS)
Rapat Umum Pemegang Saham (RUPS) merupakan organ
tertinggi dalam Perseroan. RUPS merupakan organ yang
memiliki kewenangan yang tidak diberikan kepada Direksi
ataupun Dewan Komisaris dalam batas yang ditentukan
menurut 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:
1. RUPS Tahunan
RUPS Tahunan 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.
2. RUPS Luar Biasa
Ketetapan untuk mengadakan RUPS Luar Biasa tidak terikat.
RUPS Luar Biasa dapat diadakan setiap waktu sesuai dengan
kebutuhan Perseroan. Berdasarkan Akta No. 31 tanggal 6 April
2010, diatur dalam Pasal 10, Direksi dapat menyelenggarakan
RUPS Tahunan dan RUPS Luar Biasa dengan terlebih dahulu
menyampaikan Pengumuman dan Pemanggilan Rapat melalui
media cetak.
GENERAL MEETING OF SHAREHOLDERDS (GMS)
The General Meeting of Shareholders (GMS) is the highest organ
in the Company. GMS holds several rights which are not owned
by the Board of Directors and/or Board of Commissioners in
a set boundaries within The Law of Liability Limited Company
and the Article of Association of the Company. Through
GMS, the shareholders deliver their opinions and participated
in important decision-making. GMS also serves a forum to
evaluate the performance of Board of Directors and Board
of Commissioners by considering all operational aspects of
the Company, including economic, social, and environmental
aspects.
The Law No. 40 Year 2007 of Public Company and the
Company’s Article of Association stipulates that GMS was
classified as 2 (two):
1. Annual GMS (AGM)
Annual GMS is bound to be held no later than six months after
the end of fiscal year, in which Board of Directors reports the
following issues:
1. Annual Report
2. Proposal on profit utilization in the presence of positive
profit.
3. The appointment of public accountant to audit the
ongoing fiscal year based on suggestions from Board
of Commissioners or the authorization of Board of
Commissioners to appoint a public accountant.
4. Other issues which need approval from the GMS for the
Company’s interest.
2. Extraordinary GMS (EGM)
Other GMS shall be held at any time based on the Company’s
needs. Pursuant to Article 24 Article of Association, Board of
Directors may held Annual GMS and other GMS by submitting
Announcement and Meeting Call through printed media.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014294
Procedures in Convening GMS
The procedures in convening GMS are described as follows:
1. The Company shall give prior notice concerning the agenda
of AGM 2014 clearly and in detail to Financial Services
Authority (formerly Bapepam-LK) no later than 7 (seven)
days before the announcement is published. This process
shall be conducted as it is stipulated in Rules No. IX.I.1 on the
Plan and Convention of General Meeting of Shareholders -
attachment from the Decision of Ketua Badan Pengawas
Pasar Modal No. Kep-60/PM/1996 dated January 17, 1996.
2. The invitation for GMS is submitted in writing or advertised
in daily newspaper no later than 14 (fourteen) days prior to
the date of GMS, by excluding the date of announcement
and the date of GMS. Within 14 (fourteen) days before the
announcement, the Company shall give an announcement
of the invitation for GMS.
3. Subsequently after the implementation of the GMS, the
Company should report the meeting results to Financial
Services Authority and Indonesian Stock Exchange no later
than two (2) working days after the meeting is convened
and announced it to the public in at least 2 (two) Indonesian
newspapers, one of which is circulated nationally.
4. Each share issued has 1 (one) voting rights, except if, unless
the Articles of Association determines otherwise.
In 2014, the process of AGM convention of Bank Sinarmas is
described as follows:
1. Notification to Financial Services Authority and Indonesian
Stock Exchange regarding to the Annual GMS of Bank
Sinarmas.
2. Announcement through printed and electronic media.
3. Invitation through printed and electronic media.
GMS Procedures
Tata Cara Penyelenggaraan RUPS
Tata cara penyelenggaraan RUPS adalah sebagai berikut:
1. Perseroan terlebih dahulu menyampaikan agenda RUPS
Tahunan 2014 secara jelas dan rinci kepada OJK (dahulu
Badan Pengawas Pasar Modal dan Lembaga Keuangan),
selambat-lambatnya 7 (tujuh) hari sebelum pengumuman
melalui iklan dilakukan. Hal ini dilakukan sebagaimana
yang telah diatur dalam peraturan No. IX.I.1 tentang
Rencana dan Pelaksanaan Rapat Umum Pemegang Saham
- lampiran dari Keputusan Ketua Badan Pengawas Pasar
Modal No. Kep-60/PM/1996 tanggal 17 Januari 1996.
2. Pemanggilan RUPS dilakukan dengan menggunakan surat
tercatat atau iklan surat kabar paling lambat diterbitkan 14
(empat belas) hari sebelum tanggal RUPS diadakan, dengan
tidak memperhitungkan tanggal pemanggilan dan tanggal
dilaksanakannya RUPS 14 (empat belas) hari sebelum
melakukan pemanggilan, Perseroan wajib melakukan
pemberitahuan bahwa akan diadakan pemanggilan untuk
RUPS.
3. Selanjutnya setelah pelaksanaan RUPS, Perseroan wajib
melaporkan hasil Rapat kepada OJK 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, yang salah satu di antara diterbitkan secara
nasional.
4. Setiap saham yang dikeluarkan memiliki 1 (satu) hak suara,
kecuali jika Anggaran Dasar menentukan lain.
Berikut merupakan tahapan penyelenggaraan RUPS Tahunan
Bank Sinarmas 2014 yaitu:
1. Pemberitahuan kepada OJK dan Bursa Efek Indonesia
mengenai RUPS Tahunan Bank Sinarmas 2014.
2. Pengumuman melalui media cetak dan media elektronik.
3. Pemanggilan melalui media cetak dan media elektronik.
Tahapan penyelenggaraan RUPS
RUPS / GMSPemberitahuan /
NotificationPengumuman / Announcement
Pemanggilan / Invitation
Pelaksanaan / Event
Hasil / Result
Tahunan / Annual
6 Mei 2014 / May 6, 2014
13 Mei 2014 / May 13, 2014
28 Mei 2014/ May 28, 2014
13 Juni 2014 / June 13, 2014
17 Juni 2014 / June 17, 2014
Luar Biasa / Extraordinary
6 Mei 2014 / May 6, 2014
13 Mei 2014 / May 13, 2014
28 Mei 2014/ May 28, 2014
13 Juni 2014 / June 13, 2014
17 Juni 2014 / June 17, 2014
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 295
GMS Convention
During 2014, the Company has convened 2 (two) GMS, known
to be AGM and EGM for the fiscal year of 2014 which was held
on June 13, 2014, located at Sinar Mas Land Plaza, Tower II,
39th Floor, Paseo Room, Jalan M.H. Thamrin No. 51, Jakarta.
Total shares of participated or represented voting in the meeting
has met the quorum required in GMS.
The agenda of the 2014 AGM and EGM of Bank Sinarmas are
described as follows:
The Decision and Realization of AGM 2014
Pelaksanaan RUPS
Sepanjang 2014, Perseroan telah mengadakan RUPS sebanyak
2 (dua) kali yaitu RUPS tahunan dan RUPS Luar Biasa untuk
tahun buku 2013 yang dilakukan bersama pada 13 Juni 2014,
bertempat di Sinar Mas Land Plaza, Tower II, Lantai 39, Ruang
Paseo, Jalan MH. Thamrin Nomor 51, Jakarta. Jumlah saham
dengan hak suara yang hadir atau diwakili telah memenuhi
kuorum dalam RUPS.
Agenda RUPS Tahunan dan Luar Biasa Bank Sinarmas 2014
adalah sebagai berikut:
Agenda RUPS / GMS Agenda
No. Tahunan / Annual No. Luar Biasa / Extraordinary
1. Laporan tahunan Direksi untuk tahun buku 2013 The Annual Report of Board of Directors for the fiscal year of 2013
1. Perubahan susunan Dewan Komisaris dan Direksi Perseroan / The change composition of Board of Commissioners and Board of Directors
2. Pengesahan perhitungan tahunan (neraca dan perhitungan laba/rugi) The ratification of annual calculation (balance sheet) and profit/loss calculation)
2. Perubahan Anggaran Dasar Perseroan / The change of Article of Association
3. Penegasan penggunaan laba perseroan untuk tahun buku 2013 The decision of profit utilization of the Company for the fiscal year of 2013
3. Persetujuan Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu / Approval on the increase in capital without pre-emptive rights
4. Penunjukan Kantor Akuntan Publik untuk melakukan pemeriksaan pembukuan 2014 The appointment of Public Accountant Firm for the verification of 2014 financial report
4. Laporan realisasi penggunaan dana Penawaran Umum Terbatas I / Report on the realization of the use of proceeds from Limited Public Offering
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
Hasil Keputusan RUPS Tahunan 2014 dan Realisasi
Agenda Keputusan / Decision Realisasi / Realization
Pertama / First
Menerima dan menyetujui Laporan Tahunan Direksi untuk tahun buku yang berakhir 31 Desember 2013. Accepted and approved the Annual Report for Board of Directors for the year ended in December 31, 2013.
Sudah terealisasi Realized
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.Validated the annual calculation (balance sheet and calculation of profit/loss) for the year ended in December 31, 2013 also give freedom of responsibility to members of Board of Directors and Board of Commissioners upon the duties of management and supervisory (acquit et de charge) which was implemented for the year ended in December 31, 2013.
Sudah terealisasi Realized
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014296
Agenda Keputusan / Decision Realisasi / 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 utilization of the Company’s profit for the year ended in December 31, 2013 amounted to Rp221.099.313.298 for below purposes:a. Some IDR 500,000,000 for reserve funds according to the Regulation of Article 70 paragraph
1 of the Regulation Number 40 year 2007 and Article 23 of the Company’s Articles of Association.
b. Remaining net profit of IDR 220,559,313,298 (two hundred twenty billion five hundred ninety nine thousands three hundred thirteen two hundred ninety eight) 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, to be managed by the Board of Directors in an appropriate consideration of the Directors after obtaining an approval of the Board of Commissioners.
c. Assign the authority to the Board of Directors to manage and conduct actions in relevance with the utilization of the Company’s net profit, according to the prevailing rules and regulations.
a. Penyisihan Dana cadangan untuk tahun buku 2013 telah dibukukan.
b. Sisa laba bersih telah dicatat sebagai Laba yang Ditahan dan telah dibukukan.
a. Allowance for reserve fund for 2013 fiscal year has been recorded.
b. The remaining net profit was recorded as Retained Earnings and have been recorded.
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.
b. Memberikan kuasa kepada Direksi perseroan untuk menetapkan honorarium bagi Kantor Akuntan Publik tersebut, serta persyaratan-persyaratan lain sehubungan dengan penunjukan Kantor Akuntan Publik tersebut.
a. Approved the appointment of Mulyamin Sensi Suryanto and Lianny Public Accountant Firm to conduct audit on the Company’s Financial Statement for the year ended in December 31, 2014.
b. Assign the authority to Board of Directors to stipulate honorarium for the Public Accountant Firm, and other requirement according to the appointment of the Public Accountant Firm.
Sudah terealisasi / Realized
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 Board of Commissioners, by considering the opinion given by Remuneration and Nomination Committee to stipulate the salary of the members of Board of Directors and the honorarium of Board of Commissioners.
Sudah terealisasi / Realized
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 297
The Result and Realization of EGM 2014Hasil RUPS Luar Biasa 2014 dan Realisasi
Agenda Keputusan / Decision Realisasi / Realization
Pertama a. Menyetujui pengangkatan saudara Rusmin sebagai Komisaris Independen Perseroan terhitung
sejak ditutupnya RUPS Luar Biasa 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
beserta pelunasan (acquit et de charge) kepada yang bersangkutan dan 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 Komisaris
Komisaris Utama: Tjendrawati Widjaja
Komisaris Independen: Sammy Kristamuljana
Komisaris Independen: Rusmin
Direksi
Direktur Utama: Freenyan Liwang
Direktur: Heru Agus Wuryanto
Direktur Independen: Salis Teguh Hartono
Direktur: Loa Johnny Mailoa
Direktur: Halim
Direktur Independen: Hanafi Himawan
Dewan Pengawas Syariah
Ketua: Ali Mustafa Yaqub
Anggota: Ahmadi Bin Sukarno
f. 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 dihadapan 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
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014298
Agenda Keputusan / Decision Realisasi / Realization
Approved the appointment of Mr. Rusmin as Independent Commissioner, effectively from the
closing of EGM until June 15, 2007.
a. Dismissed Mr. Wimpie Rianto as Independent Commissioner with respect and implement
acquit et de charge to the individual, as well as the responsibility and management actions
taken during January 2008 to June, 13, 2014, as long as the actions taken during that period
of time do not violate the prevailing regulations. Menyetujui pengangakatan Saudara Hanafi
Himawan dan Saudara Salis Teguh Hartono sebagai Direktur Independen Perseroan.
b. Approved the appointment of Mr. Hanafi Himawan and Mr. Salis Teguh Hartono as the
Company’s Independent Director.
c. 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:
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
d. Approved and delegated the Board of Directors and/or Corporate Secretary of the Company to
implement the above decision, including but not limited to signing the deed of meeting before
the Notary and announced the changes to the authority concerned.
Rusmin effectively
serves as Independent
Commissioners after
receiving approval
from Financial Services
Authority on June 19,
2014
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 299
Agenda Keputusan / Decision Realisasi / Realization
Kedua a. Menyetujui perubahan Anggaran Dasar Perseroan Pasal 4 ayat 2 tentang modal
b. Menyetujui perubahan Anggaran Dasar Perseroan Pasal 14 ayat 2, ayat 3, dan ayat 5 tentang
Direksi.
c. Menyetujui perubahan Anggaran Dasar Perseroan Pasal 17 ayat 2 tentang Dewan Komisaris.
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.
a. Approved the amendment of the Company’s Articles of Association, Article 4 paragraph 2 on
capital.
b. 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. Approved the change in the Company’s Articles of Association Article 17 paragraph 2
concerning the Board of Commissioners.
d. Gave authority to the Board of Directors to state the above decisions that have been
taken into notarial deed and for this purpose, attending before Notary, then make or have
somebody prepare, and sign the deed, documents, forms and/or other papers necessary, file
an appeal, make any changes and/or additions in the request and therefore take or obtain
consent or notification to the authorities, including the Minister of Justice and Human Rights
of the Republic of Indonesia and registered it in the Company Register, and in general perform
any action necessary to exercise the above power and authority in accordance with the
prevailing laws and regulations, without exception, including making changes in terms of the
changes implied by the relevant authorities.
Sudah terealisasi
Has been realized
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014300
Before the Annual Report is published, the Company will
implement an EGM on March 24, 2015 and located at Ruang
Paseo, Sinar Mas Land Plaza, Jakarta. The EGM agenda is as
follows:
1. Changes in the composition of the Board of Directors
2. Changes in Articles of Association
3. Report of Change in Realization of the Use of Fund from
Limited Public Offering I
Agenda Keputusan / Decision Realisasi / Realization
Ketiga 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 tiga 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;
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.
a. Approve 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 Rp 100, - (one hundred dollars) per
share or maximum of 10% (ten percent) of the total number of shares of issued and fully paid-
up capital of the Company;
b. Provide authority and power to the Board of Directors with the approval of the Board of
Commissioners to perform all necessary actions in connection with the Capital Increase Without
Pre-emption right, but not limited to determining the exercise price of the Capital Increase
Without preemptive rights Dahuluyang considered good by the Board of Directors, create and /
or asked for any documents relating to the capital increase and seek approval and / or report as
well as the required registration to the authorities relating to the capital Increase without Pre-
emption right, one way or another without any exception to the provisions of laws -undangan
applicable including capital market regulations
Sudah dilakukannya
Penambahan Modal
Tanpa Hak Memesan
Efek Terlebih Dahulu
(PMTHMETD) pada bulan
Oktober dan November
2014.
Approve Capital Increase
Without Preemptive
Rights (PMTHMETD) on
October and November,
2014
Keempat 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).
Approving the Report of Realization of the Use of Fund from Limited Public Offering I (right issue) as
mentioned above for April 2013 (two thousand thirteen) until March 2014 (two thousand fourteen).
Sudah terealisasi/
Has been realized
Sebelum Laporan Tahunan ini diterbitkan, Perseroan
melaksanakan RUPSLB pada 24 Maret 2015 bertempat di
Ruang Paseo, Sinar Mas Land Plaza, Jakarta. Agenda RUPSLB
tersebut adalah sebagai berikut:
1. Perubahan Susunan Direksi Perseroan;
2. Perubahan Anggaran Dasar Perseroan; dan
3. Laporan Perubahan Realisasi Penggunaan Dana Penawaran
Umum Terbatas I.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 301
Agenda Keputusan/ Decision Realisasi/ Realization
Pertama /
First
• Rapatmemberikankesempatankepadapemegangsahamdankuasapemegangsahamyang
hadir untuk mengajukan pertanyaan dan/atau memberikan pendapat terkait dengan Mata Acara
Pertama. / The meeting provides an opportunity to the shareholders and the shareholders proxy
in attendance to ask questions and / or provide opinions regarding the Mata Acara Pertama.
• Pada kesempatan tanya-jawab tersebut tidak ada pertanyaan maupun pendapat yang
disampaikan oleh pemegang saham dan atau kuasa pemegang saham yang hadir. / On the
question and answer session, no questions or opinions expressed by the shareholders or
shareholders proxy.
• Pada kesempatan tanya-jawab tersebut tidak ada pertanyaan maupun pendapat yang
disampaikan oleh pemegang saham dan atau kuasa pemegang saham yang hadir. / On the
question and answer occasion, no questions or opinions expressed by the shareholders or
shareholders proxy.
• KeputusanMataAcaraPertamayaitusebagaiberikut:/The Decision of Mata Acara Pertama is
as follows:
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. / Approved the appointment of Soejanto Soetjijo and Franky Tirtowijoyo Susilo
respectively as Director of the Company effective as of the adjournment of this meeting until
the expiry of the term of office of Directors of the Company who currently serves as the date
of June 15, 2017.
Dengan demikian sejak ditutupnya Rapat, susunan anggota Direksi, Dewan Komisaris, dan
Dewan Pengawas Syariah Perseroan adalah sebagai berikut: :/ Thus from the close of the
Meeting, the composition of the Board of Directors, Board of Commissioners, and Sharia
Supervisory Board of the Company is as follows:
DIREKSI: / BOARD OF DIRECTORS:
Direktur Utama/ President Director : Freenyan Liwang
Direktur/ Director: Heru Agus Wuryanto
Direktur/ Director : Loa Johnny Mailoa
Direktur/ Director : Halim
Direktur/ Director : Soejanto Soetjijo
Direktur/ Director : Frenky Tirtowijoyo Susilo
Direktur Independen/ Independent Director : Salis Teguh Hartono
Direktur Independen/ Independent Director : Hanafi Himawan
DEWAN KOMISARIS/ BOARD OF COMMISSIONERS:
Komisaris Utama/ Pesident Commissioner : Tjendrawati Widjaja
Komisaris Independen/ Independent Commissioner : Sammy Kristamuljana
Komisaris Independen : Rusmin
DEWAN PENGAWAS SYARIAH/ SHARIA SUPERVISORY BOARD:
Ketua/ Chairman : Ali Mustafa Yaqub
Anggota/ Member : Ahmadi Bin Sukarno
Soejanto Soetjijo
efektif menjabat
sebagai Direktur
setelah mendapatkan
persetujuan dari OJK
pada Desember 2014,
sedangkan Frenky
Tirtowijoyo Susilo
efektif menjabat
sebagai Direktur
setelah mendapatkan
persetujuan dari OJK
pada Januari 2015
/ Soejanto Soetjijo
effectively served as a
Director after obtaining
approval from the OJK on
December 2014, while
Frenky Susilo Tirtowijoyo
effective served as
Director after obtaining
approval from the OJK on
January 2015.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014302
Agenda Keputusan/ Decision Realisasi/ Realization
2. Menunjuk dan memberi kuasa kepada Direksi dan/atau Corporate Secretary Perseroan
untuk melaksanakan keputusan tersebut diatas termasuk tetapi tidak terbatas untuk
menandatangani akta pernyataan keputusan rapat dihadapan Notaris dan memberitahukan
perubahan tersebut kepada pihak yang berwenang./ Appoint and authorize the Board of
Directors and / or the Corporate Secretary of the Company to implement the decision of the
above, including but not limited to sign a deed notarized statement of the meeting decision
and notify the change to the appropriate authorities.
Kedua /
Second
• Rapatmemberikankesempatankepadapemegangsahamdankuasapemegangsahåamyang
hadir untuk mengajukan pertanyaan dan/atau memberikan pendapat terkait dengan Mata Acara
Kedua. / The meeting provides an opportunity to the shareholders and the shareholders proxy in
attendance to ask questions and / or provide opinions regarding the Mata Acara Kedua.
• Pada kesempatan tanya-jawab tersebut tidak ada pertanyaan maupun pendapat yang
disampaikan oleh pemegang saham dan atau kuasa pemegang saham yang hadir. / On the
question and answer occasion, no questions or opinions expressed by the shareholders or
shareholders proxy.
• Pengambilan keputusan dilakukan dengan pemungutan suara dengan cara lisan. Tidak ada
pemegang saham atau kuasa pemegang saham yang menyatakan suara tidak setuju dan/
atau blanko atas usulan Mata Acara Kedua Rapat, sehingga keputusan diambil berdasarkan
musyarawarah untuk mufakat dari seluruh pemegang saham yang hadir atau sejumlah
13.402.734.770 saham memutuskan menyetujui usulan Mata Acara Kedua tersebut. / Decision-
making is done through polling by oral way. There are no shareholders or shareholders proxy
that state vote against and/ or blank on the proposal Mata Acara Kedua Rapat, so the decision is
made based on consensus by all present shareholders or amounted to 13,402,734,770 of shares
decided to approve the proposal of Mata Acara Kedua
• KeputusanMataAcaraKeduayaitusebagaiberikut/TheDecisionofMataAcaraKeduaareas
follows :
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 amendments to the Articles of Association of the Company
in connection with the application of the Regulation of the Financial Services Authority and
rearrange the Articles of Association so that the details of the sentence structure of each
chapter amendments, as set out in the meeting materials that have been distributed to
shareholders prior to the Meeting.
2. Menunjuk dan memberi kuasa kepada Direksi dan/atau Corporate Secretary Perseroan
untuk melaksanakan keputusan tersebut diatas termasuk tetapi tidak terbatas untuk
menandatangani akta pernyataan keputusan rapat dihadapan Notaris dan memberitahukan
perubahan tersebut kepada pihak yang berwenang. / Appointed and authorized the Board of
Directors and / or the Corporate Secretary of the Company to implement the decision of the
above, including but not limited to sign the deed before the Notary statement of the meeting
decision and notify the change to the appropriate authorities.
Sudah terealisasi / has
been realized
Ketiga / Third • PadaMataAcaraKetigakarenahanyabersifatlaporanmakatidakdilakukanprosestanyajawab
dan pengambilan keputusan. / Due to merely a report, the decision making and question and
answer process did not performed in Mata Acara Ketiga.
Sudah terealisasi / has
been realized
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 303
Agenda Keputusan/ Decision Realisasi/ Realization
• PaparanMataAcaraKetigayaitusebagaiberikut:/ Mata Acara Ketiga explanation is as follows:
Laporan Perubahan Realisasi Penggunaan Dana Penawaran Umum Terbatas I (PUT I) disampaikan
dalam bentuk Materi Rapat yang dibagiakan sebelum dimulainya rapat yang uraiannya adalah
sebagai berikut: / The Report of Changes in the Realization of the Use of Funds from Limited
Public Offering I (PUT I) was delivered in the form of Meeting Material which is distributed before
the meeting started with description as follows:
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: / On June 2012, PT. Bank Sinarmas Tbk.,
conducted Limited Public Offering I (Issue I) to shareholders with preemptive rights in advance
(ER). The proceeds from the Rights Offering was Rp 300,796,534,500. (three hundred billion
seven hundred and ninety six million five hundred and thirty-four thousand five hundred dollars).
Overall funds were used to purchase 60% of information technology and office network
development by 40% with the following description:
1. 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 from October to December 2012 was 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 seventy point two rupiahs) for information
technology spending and Rp12,265,165,334.5 (twelve billion two hundred and sixty five
million one hundred and sixty-five thousand three hundred and three twenty-four point five
rupiahs) for the development of the office network.
2. 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 Rp15.099.316.771,63 (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 from January to March 2013 was 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 two eight rupiahs) with 9,158,062,469.65 (nine billion one
hundred and fifty-eight million sixty two thousand four hundred and sixty-nine point six
five rupiahs) for information technology spending and Rp15,099,316,771.63 (fifteen billion
ninety-nine million three hundred sixteen thousand seven hundred and seventy-one point six
three rupiahs)
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014304
Agenda Keputusan/ Decision Realisasi/ Realization
3. 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 from April to June 2013 was Rp33,218,107,267.32 (thirty-three billion
two hundred and eighteen million one hundred seven thousand two hundred and sixty-seven
point three two rupiahs), with Rp8,903,666,711.17 (eight billion nine hundred and three
million six hundred and sixty six thousand seven hundred and eleven point one seven rupiahs)
for information technology spending 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 one five rupiahs) for the development of the office network.
4. 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 from July to September 2013 was Rp90,697,650,439.17 (ninety billion,
six hundred and ninety-seven million six hundred fifty thousand four hundred and thirty-nine
point one seven rupiahs), with Rp57,855,842,162.67 (fifty-seven billion, eight hundred and
fifty-five million eight hundred and forty-two thousand one hundred sixty-two point six seven
rupiahs) for information technology spending and Rp32,841,808,276.5 (thirty-two billion
eight hundred and forty-one million eight hundred and eight thousand two hundred and
seventy-six point five rupiahs) for the development of the office network.
5. 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 period October to December 2013 was Rp 41.563.555.567 (forty-one
billion five hundred and sixty-three million five hundred and fifty-five thousand five hundred
and sixty-seven rupiahs), with Rp 27.362.274.290 (twenty seven billion three hundred and
sixty-two million two hundred and seventy-four thousand two hundred and ninety rupiahs)
for information technology spending and Rp 14,201,281,277 (fourteen billion, two hundred
and one million two hundred and eighty-one thousand two hundred and seventy-seven
rupiahs) for development of office network.
6. 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.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 305
Agenda Keputusan/ Decision Realisasi/ Realization
Total use of funds from January to March 2014 was Rp 36.524.702.479 (thirty-six billion,
five hundred and twenty-four million seven hundred and two thousand four hundred and
seventy-nine rupiahs), with Rp 24.146.230.452 (twenty four billion one hundred and forty six
million two hundred thirty thousand four hundred and fifty two) for information technology
spending and Rp 12,378,472,027 (twelve billion three hundred and seventy-eight million
four hundred and seventy-two thousand twenty-seven rupiahs) for the development of the
office network.
7. 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 from April to June 2014 was Rp34,408,155,086.34 (thirty-four billion
four hundred eight million one hundred and fifty-five thousand eighty-six point three four),
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 six four rupiahs) for
information technology spending and Rp8,119,603,271.7 (eight billion, one hundred and
nineteen million six hundred and three thousand two hundred and seventy-one point seven
rupiahs) for the development of the office network.
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).
Entirely, the Use of Funds of Limited Public Offering I used for Information Technology
Spending amounting to Rp177,801,249,070.33 (one hundred and seventy-seven billion, eight
hundred and one million two hundred and forty-nine thousand seventy-three point three
rupiahs) and for Network Development Office amounting to Rp119,220,087,514.48 (one
hundred and nineteen billion two hundred and twenty million eighty-seven thousand five
hundred and fourteen point four eight rupiahs).
DEWAN KOMISARIS
Dewan Komisaris merupakan organ dalam Bank yang bertugas
melakukan pengawasan, baik secara umum maupun secara
khusus sesuai dengan Anggaran Dasar, memastikan pelaksanaan
GCG terselenggara dalam setiap kegiatan usaha bank, serta
mengarahkan, memantau, dan mengevaluasi pelaksanaan
kebijakan strategis Bank dengan memberikan masukan kepada
Direksi. Pengawasan dan pemberian masukan serta nasihat ini
bertujuan agar pengelolaan Bank yang dilakukan Direksi sejalan
dengan maksud dan tujuan Bank Sinarmas.
BOARD OF COMMISSIONERS
The Board of Commissioners is one of the corporate’sinstruments
responsible for general and/or specificsupervisory in accordance
with the Articles of Association, ensuring the implementation
of Good CorporateGovernance in every business activity,
providing direction aswell as monitoring and evaluating the
implementation ofthe Bank’s strategic policies by providing
advice to Directors.The supervisory and advising is carried
out for the interest ofthe Bank and in line with the goals and
objectives of Bank Sinarmas.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014306
Number, Composition and Criteria of Board of
Commissioners
According to the result of EGM convened in June 13, 2014 as
stated in the Deed No. 45, Mr. Wimpie Rianto as Independent
Commissioner is dismissed with respect, effective since the
closing of the meeting. The meeting appointed Mr. Rusmin
as Independent Commissioner, effectively since the meeting
ended. His term of office effectiely starts on June 19, 2014
after receiving approval from Financial Services Authority. Thus,
the composition of Board of Commissioners per December 31,
2014 consists of 3 people, 1 President Commissioner and 2
Independent Commissioner.
Therefore, the number, composition and criteria of Board of
Commissioners has complied the regulations stipulated in
Article 27, the Regulations of Bank Indonesia No. 11/1/PBI/2009
of Public Bank, the Regulations of Bank of Indonesia No. 12/23/
PBI/2010 regarding to Fit and Proper Test, and the Regulations
of Financial Services Authority (formerly Bapepam-LK) No. IX.I.6
attachment the Decision of Director (formerly) of Bapepam-LK
about the Board of Directors and Board of Commissioners of
Public Company, such as:
1. Board of Commissioners is chaired by President
Commissioner
2. All Commissioners domicile in Indonesia
3. The members of Board of Commissioners consist of 3
(three) people by not outnumbering the members of Board
of Directors
Jumlah, Komposisi dan Kriteria Dewan Komisaris
Berdasarkan hasil RUPSLB yang diselenggarakan pada 13
Juni 2014 yang tertuang dalam akta No. 45, diputuskan
bahwa menyetujui pemberhentian dengan hormat Bapak
Wimpie Rianto sebagai Komisaris Independen terhitung sejak
berakhirnya rapat. Selanjutnya dilakukan pengangkatan Bapak
Rusmin selaku Komisaris Independen terhitung sejak rapat
tersebut berakhir, dengan masa jabatan efektif per tanggal
19 Juni 2014 setelah mendapat persetujuan dari OJK. Dengan
demikian, sampai saat ini jumlah anggota Dewan Komisaris
Perseroan per 31 Desember 2014 berjumlah 3 (tiga) orang
yang terdiri dari 1 (satu) Komisaris Utama dan 2 (dua) Komisaris
Independen.
No Nama / Name Jabatan / Position
Persetujuan / Approval
Periode Masa Jabatan /
Term of Office
Domisili / DomicileRUPS/GMS
OJK &Bank Indonesia / Financial Services Authority & Bank
Indonesia
1 Tjendrawati Widjaja Komisaris Utama / President Commissioner
13 Juni 2014 (RUPSLB) /
June 13, 2014 (EGM)
20 April 2010 / April 20, 2010
15 Juni 2017 (RUPSLB) /
June 15, 2014 (EGM)
Indonesia
2 Sammy Kristamuljana Komisaris Independen / Independent Commissioner
13 Juni 2014 (RUPSLB) /
June 13, 2014 (EGM)
8 Oktober 2007 / October 8, 2007
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
Dengan demikian jumlah, komposisi, dan kriteria Dewan
Komisaris telah memenuhi ketentuan dalam Pasal 110
Undang-Undang Perseroan Terbatas, Pasal 27 Peraturan Bank
Indonesia No. 11/1/PBI/2009 tentang Bank Umum, Peraturan
Bank Indonesia No. 12/23/PBI/2010 tentang Uji Kemampuan
dan Kepatutan (Fit and Proper Test) dan Peraturan OJK (d/h
Bapepam-LK) No. IX.I.6 lampiran Keputusan Ketua (d/h)
Bapepam-LK tentang Direksi dan Komisaris Emiten dan
Perusahaan Publik, antara lain:
1. Dewan Komisaris diketuai oleh Komisaris Utama
2. Seluruh anggota Dewan Komisaris berdomisili di Indonesia
3. Anggota Dewan Komisaris berjumlah 3 (tiga) orang, dengan
tidak melebihi jumlah anggota Direksi
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 307
4. The composition percentage of Independent Commissioner
is more than 50%; thus the Company has created an
objective work environment and upheld fairness and
equality principles to all its stakeholders.
5. The appointment of the members of Board of Commissioners
is conducted by GMS based on the recommendation of
Nomination and Remuneration Committee.
6. All members of Board of Commissioners have passed the fit
and proper test from Bank of Indonesia.
Duties and Responsibilities
Based on the Decree No.SK.001/2014/PRESKOM_
Corsec&Marcomm dated June 30, 2014, in general, the Board
of Commissioners has duties and responsibilities as follows:
1. Implement the Board of Commissioners’ obligations as
mandated in legislation, the Articles of Association of the
Company following amendments, Board Manual, this
Decree and its amendment, work rules and guidelines of
the Board of Commissioners as well as possible.
2. In performing its duties, the Board of Commissioners is
entitled to an 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 applied the principles of Good
Corporate Governance as stipulated in Regulation of Bank
Indonesia No. 8/4/PBI/2006 on the implementation of Good
Corporate Governance dated January 30, 2006 which was
amended in Bank Indonesia Regulation No. 08/14/2006
dated October 5, 2006, in any business activities of the
Bank at all levels of the organization.
4. To supervise the monitoring policy in general, both of the
Bank as the Company and the Bank’s business, and to
advise the Board of Directors.
5. In conducting the supervision, the Board of Commissioners
shall direct, monitor, and evaluate the implementation of
the Company’s strategic policy and report in writing to Bank
Indonesia semester.
6. In conducting supervision, the Board of Commissioners
may not be involved in decision-making operations of the
Bank (credit, treasury, fund raising, 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.
4. Presentase komposisi Komisaris Independen telah lebih dari
50% (lima puluh persen) menunjukan upaya Perseroan
dalam menciptakan iklim dan lingkungan kerja yang
objektif serta mengedepankan prinsip kewajaran (fairness)
dan kesetaraan terhadap Stakeholders Bank Sinarmas
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 Bank Indonesia
Tugas dan Tanggung Jawab
Berdasarkan Surat Keputusan No.SK.001/2014/PRESKOM-
Corsec&Corcomm tertanggal 30 Juni 2014, 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 GCG
sebagaimana diatur dalam Peraturan Bank Indonesia
No.8/4/PBI/2006 tentang pelaksaaan Good Corporate
Governance tertanggal 30 Januari 2006 yang kemudian
diubah dalam Peraturan Bank Indonesia No. 8/14/2006
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 Bank Indonesia 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 Bank Indonesia tentang Batas
Maksimum Pemberian Kredit Bank Umum.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014308
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 on
audit findings and recommendations of the Bank’s internal
audit unit, the external auditors, the results of supervision
by Bank Indonesia and / or other authorities including but
not limited to Bapepam-LK and / or the Indonesia Stock
Exchange.
8. Informing Bank Indonesia within 7 (seven) working days
after the discovery:
a. Violation of laws and regulations in the field of financial
and banking.
b. The state of or state estimate that can endanger the
survival of the Bank.
9. Obliged to establish at least:
a. Audit Committee
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 Bank Indonesia dan/
atau hasil pengawasan otoritas lain yang termasuk namun
tidak terbatas pada Bapepam-LK dan/atau Bursa Efek
Indonesia.
8. Memberitahukan kepada Bank Indonesia paling lambat 7
(tujuh) hari kerja sejak ditemukannya :
a. Pelanggaran peraturan perundang-undangan di bidang
keuangan dan perbankan.
b. Keadaan atau perkiraan keadaan yang dapat
membahayakan kelangsungan usaha Bank.
9. Berkewajiban membentuk paling kurang:
a. Komite Audit
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 309
b. Risk Monitoring Committee
c. Remuneration and Nomination Committee
In particular, the division of duties and responsibilities of the
Board of Directors are as follows:
b. Komite Pemantau Risiko
c. Komite Remunerasi dan Nominasi
Secara khusus pembagian tugas dan tanggung jawab Dewan
Komisaris adalah sebagai berikut:
Komisaris Utama / President Commissioner - Tjendrawati Widjaja
1. Melakukan koordinasi seluruh kegiatan anggota Dewan Komisaris guna meningkatkan 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’s.
2. Melakukan pengawasan terkait Credit, Liabilities Product Development, Sharia, Treasury, Global Trade Services, dan Electronic Channel Operations yang secara garis besar adalah sebagai berikut:a) Pengawasan terhadap kegiatan pemberian dan komposisi
kredit berdasarkan penerapan prinsip kehati-hatian (prudential principle) termasuk tindak lanjut atas temuan Bank Indonesia dibidang kredit.
b) Pengawasan terhadap pengembangan dan peluncuran produk/jasa yang dikeluarkan antara lain funding, business partner development, credit card, investment product, serta electronic channel.
c) Pengawasan terhadap kegiatan UUS khususnya kredit dan pengembangan & pengeluaran produk/jasa.
d) Pengawasan atas likuiditas, kegiatan terkait forex & pasar uang, instrumen derivatif, dan kegiatan jual beli valuta asing.
e) Pengawasan terhadap kegiatan Global Trade Services baik di dalam maupun di luar negeri.
f) Pengawasan terhadap kegiatan Electronic Operations seperti card issuer, rekonsiliasi, settlement, system development, system procedure, monitoring & deployment, dan product development.
Conduct Supervision related to Liabilities Product Development, Sharia, Treasury, Global Trade Services, and Electronic Channel Operations in outline is as follows:
a) Supervision over the activities of administration and composition of the loan based on the application of the prudential principle, including the follow up of the findings of Bank Indonesia in the field of credit.
b) Supervision over the development and launch of products / services issued, among others, funding, business partner development, credit card, investment product, as well as electronic channels.
c) Supervision over the activities of sharia business unit, especially credit and the development & spending of products / services.
d) Supervision over the liquidity, money market & Forex-related and money markets, derivative instruments and foreign exchange trading activities.
e) Supervision over Global Trade Services activities both within and outside the country.
f) Supervision over Electronic Operations activities such as card issuance, reconciliation, settlement, system development, system procedures, monitoring and deployment, and product development.
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 improving the oversight of the Company’s management and performance.
2. Melakukan pengawasan terkait Loan Recovery, Business Continuity Management, Risk Management, Information Technology, Financial Planning & Controlling, Strategic & Performance Management, dan Compliance & Legal secara garis besar adalah sebagai berikut:a) Pengawasan atas debitur dengan kredit bermasalah.b) Pengawasan atas kebijakan dan pelaksanaan Business
Continuity Plan.c) Pengawasan terhadap perumusan, penetapan, dan evaluasi
kebijakan manajemen risiko.d) Pengawasan terhadap perumusan dan evaluasi
pengembangan jaringan teknologi informasi guna mendukung kegiatan Perseroan (Blue print teknologi Informasi).
e) Pengawasan terhadap perumusan dan evaluasi strategi Perseroan yang tertuang dalam rencana bisnis dan corporate plan dikaitkan dengan visi dan misi Perseroan.
f) Pengawasan terhadap penilaian kinerja Perseroan.g) Pengawasan atas kepatuhan terhadap peraturan internal
maupun peraturan eksternal (regulator perbankan dan pasar modal)
Conduct supervision related to Loan Recovery, Business Continuity Management, Risk Management, Information Technology, Financial Planning & Controlling, Strategic & Performance Management, and Compliance & Legal in outline is as follows:
a) Supervision over the debts with non-performing loansb) Supervision over Business Continuity Plan policy and
implementation.c) Supervision over the formulation, determination, and evaluation
of risk management policies.d) Supervision over the formulation and evaluation of development
of information technology network to support the activities of the Company (Information Technology Blueprint)
e) Supervision over the formulation and evaluation of the Company’s strategy set out in the business plan and corporate plan associated with the Company’s vision and mission.
f) Supervision over the Company’s performanceg) Supervision over the compliance of internal and external
regulations (banking and capital market regulator)
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014310
Independency and Transparency of Board of
Commissioners
All members of the Board of Commissioners has 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 Member of the Board of Commissioners held concurrent
positions as members of the Board of Commissioners, Board of
Directors, or Executive Officer at another financial institution, or
a member of the Board of Commissioners, Board of Directors,
or the Executive Officer to carry out supervision on a non-bank
subsidiary controlled by company.
Table of affiliation relationship of the Board of Directors:
Komisaris Independen - 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 in improving the supervisory function over the Company’s management and performance.
2. Melakukan pengawasan terkait Audit Internal, Human Capital Management, Accounting, Credit Administration & control, Operational, Corporate Secretary & Communication, dan General Affairs yang secara garis besar adalah sebagai berikut:a) Pengawasan terhadap pengendalian internal yang
dilaksanakan oleh audit internal dan audit eksternal.b) Pengawasan atas kegiatan perekrutan dan pengembangan
sumber daya manusia.c) Pengawasan atas pelaksanaan corporate action dan
pemenuhan terhadap ketentuan peraturan eksternal (regulator perbankan dan pasar modal).
d) Pengawasan terhadap perlakuan akuntansi dan laporan keuangan Perseroan.
e) Pengawasan terhadap pelaksanaan fungsi administratif kredit.f) Pengawasan terhadap operasional Perseroan termasuk
kegiatan transaksi (remittance, RTGS, Kliring, Import-Export, dan arus kas), dan pelayanan Perseroan.
g) Pengawasan terhadap pendapatan, biaya, dan pajak Perseroan.
h) Pengawasan atas kegiatan pemeliharaan aset perusahaan dan ketepatan atas pemenuhan kebutuhan administrasi Perseroan dengan memperhatikan efisiensi Perseroan.
Conduct supervision related to Internal Audit, Human Capital Management, Accounting, Credit Administration & control, Operational, Corporate Secretary & Communication, and General Affairs in outline as follows:a) Supervision over internal control which is implanted by internal
and external audit.b) Supervision over recruitment and human capital development
activities.c) Supervision over corporate action and the fulfillment of
external regulations (banking and capital market regulator) implementation.
d) Supervision over accounting treatment and financial statements of the Company.
e) Supervision over loan administrative function implementation.f) Supervision over the Company’s operational including
transactions activity (remittance, RTGS, Kliring, Import-Export, and cash flow), and services of the Company.
g) Supervision over income, cost, and tax of the Company.h) Supervision over the Company’s assets maintenance and the
accuracy for administrative requirements of the Company with the Company’s attention to efficiency.
Independensi dan Transparansi Dewan Komisaris
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.
Tabel hubungan afiliasi Dewan Komisaris
Nama/ Name
Hubungan Keuangan dengan/ Family relationship with
Hubungan Keluarga dengan/ Family relationship with
Dewan Komisaris/ Board of
Commissioners
Direksi/ Board of Directors
Pemegang Saham/ Dhareholders
Dewan Komisaris/ Board of
Commissioners
Direksi/ Board of Directors
Pemegang Saham/ Dhareholders
Ya / YesTidak /
NoYa / Yes
Tidak / No
Ya / YesTidak /
NoYa / Yes
Tidak / No
Ya / YesTidak /
NoYa / Yes
Tidak / No
Tjendrawati Widjaja x x x x x x
Sammy Kristamuljana x x x x x x
Rusmin x x x x x x
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 311
Concurrent Position of the Board of Commissioners
Based on the Bank Indonesia’s Regulation No. 8/4/PBI/2006
on GCG Implementation, the member of the Board of
Commissioners is allowed to held concurrent positions, with
following conditions:
a. Can only be a member of the Board of Commissioners,
Board of Directors, or the Executive Officer in 1 (one)
institution / company, not a financial institution, or
b. Members of the Board of Commissioners, Board of
Directors, or the Executive Officer to carry out supervisory
function in one (1) non-bank subsidiaries controlled by the
Bank.
The following is the list of Board of Commissioner who held
concurrent position in other companies:
Guidelines And Work Procedures of Board of
Commissioners
Guidelines and work procedures of Board of Commissioners set
by decree number 002/2014/PRESKOM-CorSec & CorComm
dated June 30, 2014 which outlines regulating day, working
hours, and leave of Board of Commissioners; Terms of
organizing and decision-making of meetings; Code of ethics;
Improving competence of the Board of Commissioners.
Frequency, Attendance List and Absence List of Board of
Commissioners
During 2014, the Board of Commissioners held a meeting 4
(four) times. The meeting was attended physically by members
of the Board of Commissioners and chaired by President
Commissioner. The entire results of the meeting were decided
by consensus agreement and set forth in writing in the minutes
of meetings and well documented.
Thus, Bank Sinarmas has complied with Bank Indonesia
regulations on the implementation of good corporate
governance (GCG) as set out in the Company’s internal
regulations i.e. Board Manual and guidelines Charter of Board
of Commissioners.
Rangkap Jabatan Dewan Komisaris
Berdasarkan Peraturan Bank Indonesia No. 8/14/PBI/2006
tentang Pelaksanaan GCG, 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.
Berikut daftar Dewan Komisaris yang merangkap jabatan di
perusahaan lain :
Nama/ NameJabatan di Bank Sinarmas/ Position in Bank Sinarmas
Jabatan 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 002/2014/PRESKOM-
CorSec&Corcomm tertanggal 30 Juni 2014 yang secara garis
besar mengatur tentang hari, jam kerja, dan cuti Dewan
Komisaris; ketentuan penyelenggaraan dan pengambilan
keputusan rapat; kode etik; peningkatan kompetensi Dewan
Komisaris.
Frekuensi, Tingkat Kehadiran, dan Rekap Absensi Rapat
Dewan Komisaris
Selama 2014, Dewan Komisaris telah menyelenggarakan rapat
sebanyak 4 (empat) kali. 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 didokumentasikan dengan baik.
Dengan demikian, Bank Sinarmas telah memenuhi ketentuan
Bank Indonesia tentang pelaksanaan GCG yang telah ditetapkan
dalam ketentuan internal Perseroan yaitu Board Manual dan
Pedoman Tata Tertib Kerja Dewan Komisaris.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014312
Information: *) Resign since June 13, 2014 **) Effective since June 19, 2014
Meeting Attendance Recap
Meeting Agenda of Board of Commissioners
Work Visit of Board of Commissioners
During 2014, Board of Commissioners made several visits to
several branches like Balikpapan Branch Office. During the
4-day visit, the Board of Commissioners gave a briefing or
discussed certain matters related to the business activities of
the branch office.
No. Nama/ Name Jabatan/ PositionFrekuensi Kehadiran/ Attendance Frequency
Persentase/ Percentage
1 Tjendrawati Widjaja Komisaris Utama/ President Commissioner 4/4 100%
2 Sammy KristamuljanaKomisaris Independen/ Independent Commissioner
4/4 100%
3 Wimpie Rianto*Komisaris Independen/ Independent Commissioner
2/4 50%
4 Rusmin**Komisaris Independen/ Independent Commissioner
2/4 50%
Keterangan : *) Sudah tidak bergabung sejak 13 Juni 2014 **) Efektif menjabat sejak 19 Juni 2014
Rekap Absensi Rapat
Inisial Tanggal/ Initial Date
Tjendrawati Widjaja Wimpie Rianto Sammy Kristamuljana Rusmin
14 Februari 2014/ February 14, 2014
√ √ √ Belum Bergabung/ Not joined yet
7 Maret 2014/ March 7, 2014
√ √ √ Belum Bergabung/ Not joined yet
27 Juni 2014/ June 27, 2014
√ Sudah tidak bergabung/ Resigned
√ √
8 September 2014/ September 8, 2014
√ Sudah tidak bergabung/ Resigned
√ √
Agenda Rapat Dewan Komisaris
Tanggal/ Date
Nomor Risalah Rapat/ Number of Minutes of
Meeting
Agenda Rapat/ Meeting Agenda
14 Februari 2014/ February 14, 2014
RR No. 001/2014/DEKOM Penyesuaian Ketentuan OJK IX.I.5 /OJK IX.I.5 Provision Adjustment
7 Maret 2014/ March 7, 2014
RR No. 002/2014/DEKOM Presentasi Laporan Direksi tahun 2013 / Report of the Board of Directors 2013 Presentation
27 Juni 2014/ June 27, 2014
RR No. 003/2014/DEKOM • Tugas dan tanggung jawab Dewan Komisaris/ Duties and Responsibilities of the Board of Commissioners
• Perubahan struktur anggota Komite Audit dan Komite Pemantau Risiko/ Changes in member of Audit Committee and Risk Monitoring Committee Structure
• Human Capital Management
8 September 2014/ September 8, 2014
RR No. 004/2014/DEKOM • Action Plan tahun 2014 / Action Plan in 2014• Kinerja Keuangan/ Financial Performance• Produk/ Products• Self Assessment Tingkat Kesehatan Bank / Self-Assessment of the Level of
Bank’s Health
Kunjungan Kerja Dewan Komisaris
Selama 2014, Dewan Komisaris melakukan beberapa
kunjungan ke beberapa kantor cabang seperti Kantor Cabang
Balikpapan. Dalam kunjungan selama 4 (empat) hari tersebut,
Dewan Komisaris memberikan briefing atau membahas hal-hal
tertentu terkait aktivitas bisnis kantor cabang.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 313
Board of Commissioners also conducted sharing sessions
consisted of debriefing, briefing, and discourse to the MDP
Marketing graduates Batch 1 on November 28, 2014.
Recommendation of Board of Commissioners
Throughout 2014, Board of Commissioners has carried out
its duties and responsibilities in supervisory in accordance
with the provisions of the Articles of Association, GMS, RBB,
and other decisions to support the business activities of
the bank. The monitoring results will then be followed with
making recommendations to the Board of Directors in writing
(memorandum) or orally (in a Directors meeting with Board Of
Commissioners), among others, on:
1. Self Assessment report, the level of the health of the Bank
to be improved continuously.
2. Bank’s financial performance improvement in order to
achieve the targets set in the revised Business Plan (RBB) in
2014.
3. Improved control process in new products and existing
products of each unit.
4. The nomination of members of the Board of Directors as has
been recommended by the Remuneration and Nomination
Committee.
5. The results of the Financial Services Authority investigation
and the follow-up.
6. Changes in the composition of the Audit Committee, Risk
Monitoring Committee and Remuneration & Nomination
Committee which in turn has been followed up by the
Decree of the Board of Directors.
7. The results of the internal audit examination.
8. Completion of Policies related to Replacement and / or the
appointment of the Board of Commissioners and Board of
Directors Candidate.
Training Program of Board of Commissioners
To improve the competency in line with the development of
banking business, during 2014, the Board of Commissioners
has participated in various seminar/ training/ workshop, among
others:
Dewan Komisaris juga melakukan sharing session yang
berisikan pembekalan, pengarahan, dan wejangan kepada
lulusan MDP.
Rekomendasi Dewan Komisaris
Sepanjang 2014, Dewan Komisaris telah melaksanakan
tugas dan tanggung jawabnya di bidang pengawasan sesuai
dengan ketentuan Anggaran Dasar, Keputusan RUPS, RBB, dan
keputusan lainnya guna menunjang kegiatan bisnis perusahaan.
Hasil pengawasan tersebut selanjutnya akan ditindaklanjuti
dengan memberikan vrekomendasi kepada Direksi secara
tertulis (memorandum) atau lisan (dalam rapat Direksi dengan
Dewan Komisaris), antara lain mengenai:
1. Laporan Self Assessment tingkat kesehatan Bank agar
dapat terus ditingkatkan.
2. Perbaikan kinerja keuangan Bank agar mencapai target
yang telah ditetapkan dalam Revisi Rencana Bisnis Bank
(RBB) 2014.
3. Peningkatan proses control pada produk baru maupun
produk existing dari tiap-tiap unit kerja.
4. Pencalonan anggota Direksi sebagaimana telah
direkomendasikan Komite Remunerasi dan Nominasi.
5. Hasil pemeriksaan OJK dan tindak lanjutnya.
6. Perubahan susunan anggota Komite Audit, Komite
Pemantau Risiko, dan Komite Remunerasi & Nominasi yang
selanjutnya telah ditindaklanjuti melalui Surat Keputusan
Direksi.
7. Hasil dari pemeriksaan Audit internal.
8. Penyempurnaan Kebijakan terkait Penggantian dan/atau
pengangkatan Calon Dewan Komisaris dan Direksi.
Program Pelatihan Dewan Komisaris
Demi terus meningkatkan kompetensi sejalan dengan
perkembangan bisnis perbankan, selama tahun 2014, Dewan
Komisaris telah mengikuti berbagai seminar/pelatihan/
workshop, antara lain:
Seminar/ Seminar Waktu/ Time Tempat/ Place
Tjendrawati Widjaja
Refreshment UKMR 16 April 2014/ April 16, 2014 Jakarta
Sammy Kristamuljana
Refreshment UKMR 12 April 2014/ April 12, 2014 Jakarta
Rusmin
Tutorial dan Ujian UKMR L.2 Komisaris / Tutorial and Test of UKMR L.2 for Commissioner
15 Maret 2014/ March 15, 2014 Jakarta
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014314
BOARD OF DIRECTORS
According to Article 1 paragraph (5) of Law No. 40 of 2007
on Limited Liability Company (Company Law), the Company’s
Board of Directors is the authorized and are fully responsible
organ for the management of the Company for the benefit
of the Company, in accordance with the aims and objectives
of the Company and represent the Company, both inside and
outside the court in accordance the Articles of Association. In
performing its duties, the Board of Directors is responsible to
the GMS. Accountability of the Board of Directors to the GMS is
the embodiment of management accountability in accordance
with the principles of GCG.
Number, Composition and Criteria of Board of Directors
Based on the results of EGM held on March 24, 2015, it was
decided that the appointment of Soejanto Soetjijo and Frenky
Tirtowijoyo Susilo as a Director of the Company has been
approved. Thus, the number of Board of Directors members
of the Company per December 31, 2014 is 8 (eight) persons,
consisting of 1 (one) President Director, five (5) Directors, as
well as two (2) Independent Directors.
DIREKSI
Berdasarkan Pasal 1 angka (5) Undang-Undang Nomor 40
Tahun 2007 tentang Perseroan Terbatas (UUPT), Direksi adalah
organ Perseroan yang berwenang dan bertanggungjawab
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 bertanggungjawab 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 bahwa menyetujui pengangkatan
Soejanto Soetjijo dan Frenky Tirtowijoyo Susilo sebagai Direktur
Perseroan. Dengan demikian, jumlah anggota Direksi Perseroan
per 31 Desember 2014 berjumlah 8 (delapan) orang yang
terdiri dari 1 (satu) Direktur Utama, 5 (lima) Direktur, serta 2
(dua) Direktur Independen.
No Nama / Name Jabatan / PositionPersetujuan / Approval Periode Masa
Jabatan / Position Period
Domisili / Domicile
RUPS/GMS Bank Indonesia / OJK
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
2 Heru 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
3 Salis Teguh HartonoDirektur 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
4 Loa 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 HimawanDirektur 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 / Director
24 Maret 2015 (RUPSLB) /
March 24, 2014 (EGM)
10 Desember 2014 / December 10, 2014
15 Juni 2017 (RUPSLB) / June 15, 2017 (EGM)
Indonesia
8 Frenky Tirtowijoyo Susilo Direktur / Director
24 Maret 2015 (RUPSLB) /
March 24, 2014 (EGM))
27 Januari 2015 / January 27, 2015
15 Juni 2017 (RUPSLB) / June 15, 2017 (EGM)
Indonesia
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 315
Thus, the number, composition and criteria of Board of
Directors of Bank Sinarmas have fulfilled the internal and
external regulation, such as:
• BoardofDirectorsisledbyPresidentDirector;
• All members of Board of Directors are domiciled in
Indonesia;
• MembersofBoardofDirectorsconsistof8(eight)people
over the total of Members of Board of Commissioners;
• AppointmentofMembersofBoardofDirectorsisconducted
by GMS based on recommendation of Remuneration and
Nomination Committee;
• AllmemberofBoardofDirectorshaspassedFit&Proper
Test of Bank Indonesia.
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::
• Carryingoutdutiesandresponsibilitiesasmandatedbythe
laws and regulations.
• CarryingouttheobligationsassetoutintheBoardManual
and its amendments and the Decree of the Board of
Directors and its amendments.
• Formulating,organizing,disseminating,andevaluatingthe
vision, mission, work ethic, and the value of the company.
• ThewholewrittenpolicyoftheCompanyeitherintheform
of a decree or Circular shall be approved and signed by
Board of Directors members in accordance with the internal
regulations of the Company and its amendment.
• ImplementingGCGprinciplesassetoutinBIregulationsin
each banking activity at all levels of the organization
• Mengoptimalkanpemanfaatanseluruhsumberdayayang
dimiliki secara efektif dan efisien untuk pengembangan
Perusahaan.
• Building and maintaining good relations with all parties
related to the Bank
• Having and Complying to the work rules and Key
Performance Indicator (KPI) guidelines so that the
performance of its duties can be targeted, effective and
used as a performance assessment tool.
• Carryingouteverymeetings’resolutionswithstill referto
the Articles of Association of the Company and Board of
Directors’ Code of working rules.
Dengan demikian jumlah, komposisi, dan kriteria Direksi
Perseroan telah sesuai dengan aturan internal maupun
eksternal, antara lain sebagai berikut:
• Direksi diketuai oleh Direktur Utama.
• Seluruh anggota Direksi berdomisili di Indonesia.
• Anggota Direksi berjumlah 8 (delapan) orang, melebihi dari
jumlah Dewan Komisaris.
• Pengangkatan Direksi dilakukan atas usul Komite
Remunerasi dan Nominasi sebelum dilakukan persetujuan
dalam RUPS.
• Seluruh anggota Direksi telah lulus Fit and Proper test yang
dilakukan oleh Otoritas Jasa Keuangan.
Tugas dan Tanggung Jawab
Mengacu kepada 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:
• Melaksanakan sebaik-baiknya tugas dan tanggung
jawab sebagaimana yang diamanatkan dalam peraturan
perundang-undangan.
• Melaksanakan kewajiban yang telah diatur dalam Board
Manual beserta perubahannya dan Surat Keputusan Direksi
beserta perubahannya.
• Merumuskan, menyusun, mensosialisasikan, dan
mengevaluasi visi, misi, etos kerja, dan nilai perusahaan.
• 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.
• Menerapkan prinsip-prinsip GCG sebagaimana diatur
dalam Peraturan Bank Indonesia mengenai GCG dalam
setiap kegiatan usaha Bank pada seluruh tingkatan atau
jenjang organisasi.
• Mengoptimalkan pemanfaatan seluruh sumber daya yang
dimiliki secara efektif dan efisien untuk pengembangan
Perusahaan.
• Membina dan menjaga hubungan baik dengan seluruh
pihak yang terkait dengan Bank.
• 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.
• Melaksanakan setiap hasil keputusan rapat dengan tetap
mengacu pada Anggaran Dasar Perseroan dan Pedoman
tata tertib kerja Direksi.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014316
• Mengatur dan menetapkan struktur organisasi,
pendelegasian wewenang dan uraian tugas yang jelas
bagi setiap pejabat ataupun pegawai, baik di kantor pusat
maupun di kantor-kantor cabang.
• Menyusun dan melaksanakan sistem manajemen risiko
mencakup seluruh aspek kegiatan Perusahaan.
Berdasarkan Surat Keputusan No. SK.040/2013/PRESDIR-
CorSec&CorComm tertanggal 18 September 2013, tugas
dan tanggung jawab masing-masing anggota Direksi adalah
sebagai berikut:
Nama Freenyan Liwang
Jabatan Direktur Utama
Tugas dan Tanggung Jawab
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.
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 menentukan besarnya gaji
atau remunerasi kepada seluruh karyawan dan/atau
pejabat eksekutif.
2. Membawahi langsung unit kerja Audit Intern Work Unit
(Satuan Kerja Audit Intern - SKAI), Global Trade Services,
Financial Planning & Controlling, Strategic & Performance
Management, serta Regional Manager & Branch Manager
Thamrin yang secara garis besar adalah:
a. Melaksanakan fungsi pengendalian internal melalui
SKAI;
b. Menetapkan, mengawasi dan mengevaluasi realisasi
rencana audit internal.
• Seting up and establishing the organizational structure,
delegation of authority and clear job descriptions for each
officer or employee, both at headquarters and branch
offices.
• Preparing and implementing a risk management system
covering all aspects of Company’s activities.
As regulated in Decree of No. SK.040/2013/PRESDIR-
CorSec&CorComm dated September 18, 2013, duties and
responsibilities of each Director are as follows:
Name Freenyan Liwang
Position President Director
Duties and Responsibilities
1. Coordinating all of Board of Directors’ activities which are
generally as follows:
a. Coordinating all of the Board of Directors members’
activities to improve the working efficiency by taking
into account span of control;
b. Coordinating the formulation and preparation of 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, supervising, and evaluating Corporate
Plan & RBB in accordance with visions, missions, 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 employee and/or executive
officers under it.
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 Branch Manager Thamrin
which are generally as follows:
a. Carrying out internal control functions through the
Internal Audit Unit;
b. Establishing, monitoring and evaluating the realization
of the internal audit plan;
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 317
c. Melakukan pengembangan terhadap Global Trade
Services.
d. Melakukan pengawasan strategi terhadap kinerja
Regional Manager & Main Branch Thamrin.
3. Melakukan pengawasan dan evaluasi terhadap kinerja unit
kerja dibawahnya.
Nama Heru Agus Wuryanto
Jabatan Direktur Syariah
Tugas dan Tanggung Jawab
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 merumuskan
dan melaksanakan strategi program Corporate
Social Responsibility yang menunjang kegiatan bisnis
perusahaan.
e. Memiliki kewenangan untuk menentukan besarnya gaji
atau remunerasi kepada karyawan dan/atau pejabat
eksekutif unit kerja dibawahnya.
2. Membawahi langsung unit kerja 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;
c. Conducting the development of Global Trade Services;
d. Conducting Strategic monitoring of the performance of
Regional Manager & Main Branch Thamrin.
3. Supervising and Evaluating the performance of work units
under it.
Name Heru Agus Wuryanto
Position Sharia Director
Duties and Responsibilities
1. The scope of its duties and responsibilities includes:
a. Along with other Board of Directors members improving
work efficiency by taking into account span of control;
b. Along with other Board of Directors members preparing
the long-term strategy of both companies (Corporate
Plan) as well as medium-term/short-term Business Plan
(RBB) and proposing it to obtain the approval of the
Board of Commissioners;
c. Implementing, monitoring, and evaluating Corporate
Plan & RBB in accordance with visions, missions, and
objectives of the Company that have been set;
d. Along with other Board of Directors members
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 employee and/or executive
officers under it.
2. Directly supervising Sharia work units 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 disposition
of the funds 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
operations and products issued;
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014318
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.
Nama Salis Teguh Hartono
Jabatan Direktur Compliance
Tugas dan Tanggung Jawab
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 merumuskan
dan melaksanakan strategi program Corporate
Social Responsibility yang menunjang kegiatan bisnis
perusahaan;
e. Memiliki kewenangan untuk menentukan besarnya gaji
atau remunerasi kepada karyawan dan/atau pejabat
eksekutif unit kerja dibawahnya.
2. Membawahi langsung unit kerja Compliance & Legal, serta
Corporate Secretary & Communication Department yang
secara garis besar adalah :
a. Mewujudkan terlaksananya budaya kepatuhan pada
seluruh tingkatan organisasi dan kegiatan usaha Bank.
b. Mengawasi hasil penerapan kebijakan-kebijakan dan
peraturan perusahaan dibidang operasional yang
telah disetujui pihak Manajemen, untuk memastikan
penerapan kebijakan-kebijakan dan peraturan
perusahaan tersebut telah berjalan sesuai dengan
rencana.
c. Mengkaji dan mengevaluasi (memastikan) secara
berkala semua kebijakan dan peraturan internal
Bank, selanjutnya memberikan usulan dalam rangka
perbaikan, penyesuaian dan penyempurnaannya.
f. Supervising the issuance of Circular of revenue sharing
every month;
g. Attending a coordination meeting with the Assets &
Liabilities Committee (ALCO) Sharia every month;
h. Monitoring and evaluating the performance of work
units under it.
Name Salis Teguh Hartono
Position Compliance Director
Duties and Responsibilities
1. The scope of its duties and responsibilities includes:
a Along with other Board of Directors members improving
work efficiency by taking into account span of control;
b. Along with other Board of Directors members preparing
the long-term strategy of both companies (Corporate
Plan) as well as medium-term/short-term Business Plan
(RBB) and proposing it to obtain the approval of the
Board of Commissioners;
c. Implementing, monitoring, and evaluating Corporate
Plan & RBB in accordance with visions, missions, and
objectives of the Company that have been set;
d. Along with other Board of Directors members
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 employee and/or executive
officers under it.
2. Directly supervising work units such as Compliance & Legal,
Corporate Secretary & Communication Department which
are generally as follows:
a. Implementing a culture of compliance at all levels of the
organization and activities of the Bank’s business;
b. Supervising the results of the policies and regulations
in the field of operations that have been approved by
Management, to ensure the implementation of policies
and regulations of the company has been carried out
according to plan;
c. Reviewing and evaluating (ensuring) periodically
all the Bank’s internal policies and regulations, and
then proposing the improvement, adjustments, and
enhancement;
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 319
d. 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.
e. Melaporkan pelaksanaan tugas dan tanggung jawabnya
kepada Direktur Utama dengan tembusan kepada
Dewan Komisaris.
f. Melakukan pengawasan atas dokumen-dokumen
permohonan kredit dengan nilai fasilitas di atas
Rp50.000.000.000 (lima puluh milyar rupiah) agar
sesuai dengan ketentuan internal dan eksternal
perbankan yang berlaku serta peraturan perundang-
undangan/hukum positif yang berlaku di Indonesia.
g. Melakukan pengawasan atas pendapat hukum yang
dikeluarkan dan permasalahan hukum perusahaan
yang ada di dalam pelaksanaan kegiatan perbankan
serta sebagai wakil perusahaan dalam menyelesaikan
masalah hukum dengan pihak eksternal seperti
dokumen-dokumen tertulis atau perjanjian Bank.
h. Merencanakan, mengarahkan, mengkoordinasikan dan
mengelola kegiatan yang berkaitan dengan bidang
kesekretariatan.
i. Melakukan pengawasan dan evaluasi terhadap kinerja
unit kerja dibawahnya.
Nama Loa Johnny Mailoa
Jabatan Direktur Enterprise Banking
Tugas dan Tanggung Jawab
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;
d. Following and ensuring that all prevailing laws and
regulations, regulations issued by Bank Indonesia
and agreements ever made has been complied and
implemented properly;
e. Reporting the performance of his/her duties and
responsibilities to the Managing Director with a copy to
Board of Commissioners;
f. Monitoring over the loan application documents with
facility value above Rp50.000.000.000 (fifty billion
rupiahs) to comply with prevailing internal and external
banking conditions and regulations/positive laws in
Indonesia;
g. Supervising the legal opinion issued and existing
corporate law issues in the implementation of banking
activities as well as representatives of the company
in resolving legal issues with external parties such as
written documents or Bank’s agreements;
h. Planning, directing, coordinating and managing the
activities related to the secretarial field;
i. Supervising and evaluating the performance of the
work unit under it.
Name Loa Johnny Mailoa
Position Enterprise Banking Director
Duties and Responsibilities
1. The scope of its duties and responsibilities includes:
a. Along with other Board of Directors members improving
work efficiency by taking into account span of control;
b. Along with other Board of Directors members preparing
the long-term strategy of both companies (Corporate
Plan) as well as medium-term/short-term Business Plan
(RBB) and proposing it to obtain the approval of the
Board of Commissioners;
c. Implementing, monitoring, and evaluating Corporate
Plan & RBB in accordance with visions, missions, and
objectives of the Company that have been set;
d. Along with other Board of Directors members
formulating and implementing the Corporate Social
Responsibility strategies that support the company’s
business activities;
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014320
e. Memiliki kewenangan untuk menentukan besarnya gaji
atau remunerasi kepada karyawan dan/atau pejabat
eksekutif unit kerja dibawahnya.
2. Membawahi langsung unit kerja Treasury, Credit Analyst,
dan Asset Acquisition 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;
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.
Nama Halim
Jabatan Direktur Liabilities & Business Distribution
Tugas dan Tanggung Jawab
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;
e. Having the authority to determine the amount of salary
or remuneration to the employee and/or executive
officers under it.
2. Directly supervising work units such as Treasury, Credit
Analyst, and Asset Acquisition 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;
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 Authority Breaking Credit and Limits;
h. Planning, developing, controlling and conducting
corrective measures on the weaknesses and irregularities
of lending activities;
i. Establishing strategies, superviseing, and evaluating
control of non-performing loan (NPL);
j. Supervising and evaluating the performance of the
work unit under it.
Name Halim
Position Direktur Liabilities & Business Distribution
Duties and Responsibilities
1. The scope of its duties and responsibilities includes:
a. Along with other Board of Directors members improving
work efficiency by taking into account span of control;
b. Along with other Board of Directors members preparing
the long-term strategy of both companies (Corporate
Plan) as well as medium-term/short-term Business Plan
(RBB) and proposing it to obtain the approval of the
Board of Commissioners;
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 321
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 merumuskan
dan melaksanakan strategi program Corporate
Social Responsibility yang menunjang kegiatan bisnis
perusahaan;
e. Memiliki kewenangan untuk menentukan besarnya gaji
atau remunerasi kepada karyawan dan/atau pejabat
eksekutif unit kerja di bawahnya.
2. Membawahi langsung unit kerja Liabilities Product
Development, Information Technology, Transaction Service
Management, Accounting, Credit Administration & Control,
Electronic Channel Operations, Optimizing & Productivity
Enhancement, dan Business Continuity Plan yang secara
garis besar adalah :
a. Melakukan pengawasan atau memastikan bahwa
koordinasi antara pihak internal maupun eksternal
terkait pengembangan produk awas dan mengarahkan
kegiatan operasional kartu kredit;
b. Menetapkan, mengawasi dan mengevaluasi realisasi
rencana pengembangan jaringan teknologi informasi;
c. 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;
d. Mengawasi dan mengarahkan akuisisi kartu kredit
melalui marketing channel;
e. Menetapkan dan mengawasi strategi pendeteksian dini
untuk meminimalisir penipuan kartu kredit;
f. Melakukan perekrutan, pembinaan, dan pengadaan
Credit Card & Merchant Business;
g. Bertanggung jawab atas pendapatan Fee Based Income;
h. Menetapkan dan mengawasi penerapan kebijakan yang
terkait dengan efisiensi;
i. Memberikan tanggapan dan tindak lanjut hasil
pemeriksaan intern (SKAI) dan ekstern (OJK dan
Akuntan Publik) terhadap sistem informasi keuangan;
j. Melakukan koordinasi untuk memastikan bahwa
seluruh kewajiban pelaporan perusahaan telah
disampaikan kepada otoritas dan/atau pihak-pihak yang
berkepentingan seperti Bank Indonesia, UP3, Dirjen
Pajak, Dewan Komisaris, Pemegang Saham, dll;
c. Implementing, monitoring, and evaluating Corporate
Plan & RBB in accordance with visions, missions, and
objectives of the Company that have been set;
d. Along with other Board of Directors members
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 employee and/or executive
officers under it.
2. Directly supervising work units such as Product
Development, Information Technology, Transaction Service
Management, Accounting, Credit Administration & Control,
Electronic Channel Operations, Optimizing & Productivity
Enhancement, and Business Continuity Plan which are
generally as follows:
a. Supervising or ensuring that the coordination between
internal and external parties related to product
development and directing the operations of the credit
card;
b. Establishing, supervising and evaluating the realization
of information technology network development plan;
c. Establishing policies and procedures related to
the implementation of adequate technology and
disseminating information effectively, both at the
working unit of information technology providers and
users concerned;
d. Supervising and directing acquisition of credit card
through marketing channels;
e. Establishing and supervising early detection strategies to
minimize credit card fraud;
f. Conducting Recruitment, training, and provision of
Credit Card & Merchant Business;
g. Responsible for the fee-based income;
h. Establishing and supervising the implementation of
policies related to efficiency;
i. Providing feedback and follow-up results of Internal
Audit Unit and external(BI and Public Accountant) of the
financial information system;
j. Coordinating to ensure that all reporting obligations
of the company has been submitted to the authorities
and/or interested parties such as Bank Indonesia, UP3,
Director General of Taxation, Board of Commissioners,
the Shareholders, etc;
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014322
k. Bertanggung jawab terhadap kegiatan operasional
Bank, baik di Kantor Pusat maupun di KC yang telah
berjalan dengan baik dan lancar, taat asas, akurat,
sesuai kebijakan dan ketentuan yang telah ditetapkan
serta peraturan perundang-undangan yang berlaku di
Indonesia;
l. Melaksanakan pembukaan KCP/Kantor Cabang
Pembantu/Kantor Kas sesuai dengan rencana kerja
manajemen dan sesuai dengan Peraturan Bank
Indonesia;
m. Bertanggung jawab terhadap setiap proses pengajuan
ke Bank Indonesia agar sesuai dengan ketentuan yang
berlaku sehingga tidak terdapat kesalahan di dalam
pengajuan ijin yang akan berdampak pada mundurnya
waktu pembukaan dan tentunya reputasi perusahaan di
mata Bank Indonesia;
n. Bertanggung jawab terhadap semua rencana
pembukaan kantor yang telah masuk ke dalam RBB
agar dapat terlaksana sesuai jadwal;
o. Mempresentasikan rencana pembukaan kantor kepada
Bank Indonesia;
p. Bertanggung jawab terhadap pelaksanaan pembayaran
pajak kendaraan bermotor, reklame, tanah dan
bangunan secara tepat waktu;
q. Melakukan pembinaan dan mengawasi seluruh
kegiatan Loan Administration di KC, guna memastikan
telah dikelolanya administrasi kredit cabang sesuai
dengan prosedur/ketentuan Bank;
r. Melakukan pembinaan terhadap Loan Administration
KC dalam melakukan pengawasan dokumen
perpanjangan kredit, jaminan dan asuransi yang akan
jatuh tempo;
s. Mengawasi persiapan gedung/ruangan dan
perlengkapan lainnya bagi cabang/unit kerja KPNO
termasuk pemeliharaan dan perbaikan gedung;
t. Mengawasi kegiatan koordinasi dalam pengurusan
perijinan pada kantor pemerintah daerah, kecamatan,
kelurahan, kabupaten dan/atau instansi atau pihak
ketiga lainnya;
u. Merencanakan, mengarahkan dan mengkoordinasikan
kegiatan Service Quality serta mendukung terciptanya
efisiensi dan efektivitas Service Quality;
v. Memastikan pelayanan nasabah berjalan sesuai
ketentuan dan prosedur yang berlaku.
w. Melakukan pengawasan dan evaluasi terhadap kinerja
unit kerja di bawahnya.
k. Responsible for the operations of the Bank, both at
head office and branch offices that has been run
well and smoothly, obey the principle, accurate, in
accordance policies and prevailing laws and regulations
in Indonesia;
l. Implementing the Branch Offices/Cash Offices opening
in accordance with the management work plan in
accordance with Bank Indonesia Regulation;
m. Responsible for any filing process to Bank Indonesia to
comply with prevailing regulations so that there are no
errors in the application for permission that will have
an impact on the decline of the opening time and
company’s reputation in the front of Bank Indonesia;
n. Responsible for all offices opening plans that have been
entered into the RBB to be implemented on schedule;
o. Presenting the office opening plan to Bank Indonesia;
p. Responsible for the implementation of vehicle,
billboards, lands and buildings tax payments on time;
q. Conducting training and supervising all activities of
Loan Administration in branch offices, to ensure credit
administration branch has been managed in accordance
with the procedures / regulations of the Bank;
r. Providing guidance to the Loan Administration in branch
offices in monitoring credit extension documents,
guarantees and insurances that will be expired;
s. Supervising the preparation of buildings/rooms and
other supplies for the branch offices/Non-operational
Headquaters including maintenances and repairs;
t. Supervising the coordination activities of Licensing
applications in local government/agency offices and
other third parties;
u. Planning, directing and coordinating the Service Quality
activities and supporting the realization of efficiency
and effectiveness in the Service Quality;
v. Ensuring customer services run in accordance with the
prevailing regulations and procedures;
w. Supervising and evaluating the performance of work
units under it.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 323
Nama Hanafi Himawan
Jabatan Direktur Risk Management & Human Capital
Tugas dan Tanggung Jawab
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 merumuskan
dan melaksanakan strategi program Corporate
Social Responsibility yang menunjang kegiatan bisnis
perusahaan.
e. Memiliki kewenangan untuk menentukan besarnya gaji
atau remunerasi kepada karyawan dan/atau pejabat
eksekutif unit kerja di bawahnya.
2. Membawahi langsung unit kerja Credit, Operational &
Enterprise Risk Management, Market, Liquidity & Anti Fraud
Monitoring, 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. Menetapkan dan mengawasi penerapan kebijakan anti
fraud (LED, FDS, dan Mantis Complaint Handling) dalam
memitigasi risiko melalui whistleblower;
d. Memastikan bahwa fungsi Manajemen Risiko telah
diterapkan secara independen;
e. Menetapkan, mengawasi, dan memastikan
terlaksananya hubungan industrial secara tepat,
benar dan akurat sesuai ketentuan ketenagakerjaan,
peraturan & kebijakan perusahaan, serta best practice
yang berlaku;
f. Mengarahkan, menetapkan, dan mengawasi kegiatan
pengembangan sumber daya manusia (Human Capital);
Nama Hanafi Himawan
Position Risk Management & Human Capital Director
Duties and Responsibilities
1. The scope of its duties and responsibilities includes:
a. Along with other Board of Directors members improving
work efficiency by taking into account span of control;
b. Along with other Board of Directors members preparing
the long-term strategy of both companies (Corporate
Plan) as well as medium-term/short-term Business Plan
(RBB) and proposing it to obtain the approval of the
Board of Commissioners;
c. Implementing, monitoring, and evaluating Corporate
Plan & RBB in accordance with visions, missions, and
objectives of the Company that have been set;
d. Along with other Board of Directors members
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 employee and/or executive
officers under it.
2. Directly supervising work units such as Credit, Operational &
Enterprise Risk Management, Market, Liquidity & Anti Fraud
Monitoring, Human Capital Recruitment & Administration
Support, Human Capital System & Strategic and General
Affairs 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. Establish and oversee the implementation of anti-fraud
policy (LED, FDS, and Mantis Complaint Handling) in
mitigating risk through the whistleblower system;
d. Ensuring that the risk management function has been
implemented independently;
e Establishing, Supervising and ensuring the
implementation industrial relations appropriately,
properly and accurately in accordance the prevailing
conditions of employment, regulations, policies of the
company, and best practice;
f. Directing, establishing, and supervising the activities of
Human Capital development;
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014324
g. Supervising and ensuring that all fixed and mobile assets
as have been administered by the related work units;
h. Supervising and ensuring the preparation of buildings/
rooms and other supplies for the branch offices/Non-
operational Headquaters including maintenances and
repairs;
i. Supervising the coordination activities of Licensing
applications in local government/agency offices and
other third parties;
j. Supervising and evaluating the performance of work
units under it.
Independency and Transparency of Board of Directors
Independency and transparency of Board of Directors is one
of the factors that must be maintained for the benefit of the
Company in order to prevent conflicts of interest. To maintain
the independency, all Board of Directors members of Bank
Sinarmas are required to not have a financial, family (to second
degree, both vertically and horizontally) relationship with Board
of Commissioners members, Board of Directors members, and/
or controlling shareholders.
As of December 31, 2013, the total amount of Shareholding
by members of the Board of Directors amounted to 4.154.375
atau 0,03% of the total number of shares of Bank Sinarmas
g. Mengawasi dan memastikan seluruh aset tetap dan
bergerak sebagaimana telah diadministrasikan oleh unit
kerja terkait;
h. Mengawasi dan memastikan persiapan gedung/ruangan
dan perlengkapan lainnya bagi cabang/ unit kerja KPNO
termasuk pemeliharaan dan perbaikan gedung;
i. Mengawasi kegiatan koordinasi dalam pengurusan
perijinan pada kantor pemerintah daerah, kecamatan,
kelurahan, kabupaten dan/atau instansi atau pihak
ketiga lainnya.
j. Melakukan pengawasan dan evaluasi terhadap kinerja
unit kerja dibawahnya.
Independensi dan Transparansi Direksi
Independensi dan transparansi Direksi merupakan salah satu
faktor yang harus terus dijaga untuk kepentingan Perseroan
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.
Nama / Name
Hubungan keuangan dengan / Financial Relationship with
Hubungan keluarga dengan /Family Relationship with
Komisaris / Board of
Commissioners
Direksi / Board of Directors
Pemegang Saham
Pengendali / Controlling
Shareholders
Komisaris / Board of
Commissioners
Direksi / Board of Directors
Pemegang Saham
Pengendali / Controlling
Shareholders
Ya / Yes
Tidak / no
Ya / Yes
Tidak / no
Ya / Yes
Tidak / no
Ya / Yes
Tidak / no
Ya / Yes
Tidak / no
Ya / Yes
Tidak / no
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
Per tanggal 31 Desember 2014, jumlah total kepemilikan
saham oleh anggota Direksi berjumlah 4.154.375 atau 0,03%
dari seluruh jumlah saham di Bank Sinarmas.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 325
Guidelines and Work Procedures of Board of Directors
Guidelines and work procedures of Board of Directors are set
forth in the decree number 005/2013/ DIR1CorSec&CorComm
dated September 9, 2013 that regulate about day, working
hours, leave and permission of Board of Directors and regulation
of implementation and decision of meeting, code of Conducts,
and the improvement of Board of Directors competence.
In April 2005, the Bank has adjusted the guideliens and
work regulations of the Board of Directors according to the
Regulation of the Financial Services Authority (POJK) stipulated
by virtue of Decree No. 005/2015/PRESDIR-CorSec dated April
1, 2015.
Frequency, Attendance list and Absence of Meeting of
Board of Directors
In 2014, Board of Directors has conducted 36 (thirty six)
times meeting, led by the President Director or other Board of
Directors’ members in case that the President Director is unable
to attend. The entire results of the meeting was decided by
consensus agreement and set forth in writing in the minutes of
meetings and 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 Procedure of Board of Directors.
*) Soejanto Soetjijo and Frenky Tirtowijoyo Susilo recently served as director since EGM on March 24, 2015
Nama / Name Jabatan / Position
Kepemilikan Saham / Shares Ownerships
Jumlah Saham / Total SharesPresentase Kepemilikan / Percentage of Ownership
Freenyan Liwang Direktur utama / President Director 3.714.375 0,03%
Halim Direktur / Director 440.000 0,00%
Pedoman dan Tata Tertib Kerja Direksi
Pedoman dan tata tertib kerja Direksi ditetapkan melalui
Surat Keputusan No. 005/2013/DIR1-CorpSec&CorpComm
tertanggal 9 September 2013 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.
Pada April 2015, Bank telah melakukan penyesuaian pedoman
dan tata tertib kerja Direksi sesuai dengan Peraturan Otoritas
Jasa Keuangan (POJK) yang ditetapkan melalui Surat Keputusan
No. 005/2015/PRESDIR-CorSec tertanggal 1 April 2015.
Frekuensi, Tingkat Kehadiran, dan Rekap Absensi Rapat
Direksi
Selama 2014, Direksi telah menyelenggarakan rapat sebanyak
36 kali yang dipimpin oleh Direktur Utama atau anggota
Direksi lainnya dalam hal Direktur Utama berhalangan 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.
No. Nama / Name Jabatan / PositionFrekuensi Kehadiran / Attendance Frequency
Persentase / Percentage
1 Freenyan Liwang Direktur Utama / President Director 33/36 91,6%
2 Heru Agus Wuryanto Direktur / Director 30/36 83,3%
3 Salis Teguh Hartono Direktur Independen / Independent Director 29/36 80,5%
4 Loa Johnny Mailoa Direktur / Director 29/36 80,5%
5 Halim Direktur / Director 27/36 75%
6` Hanafi Himawan Direktur Independen / Independent Director 32/36 88,8%
7 Soejanto Soetjijo* Direktur / Director 0/36 -
8 Frenky Tirtowijoyo Susilo* Direktur / Director 0/36 -
*) Soejanto Soetjijo dan Frenky Tirtowijoyo Susilobaru menjabat sebagai Direktur
sejak RUPSLB 24 Maret 2015
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014326
Recap of Meeting Attendance
*) Soejanto Soetjijodan Frenky Tirtowijoyo Susilabaru served as Director since EGMS March 24, 2015
Rekap Absensi Rapat
Inisial Tanggal / Initial DateFreenyan Liwang
Heru Agus Wuryanto
Salis Teguh
Hartono
Loa Johnny Mailoa
HalimHanafi
HimawanSoejanto Soetjijo*
Frenky Tirtowijoyo
Susilo*
21 Januari / January 21 √ √ √ √ √ √
28 Januari / January 28 √ √ x √ x √
18 Februari / February 18 √ √ √ √ x √
25 Februari / February 25 √ √ √ √ √ √
11 Maret / March 11 x √ √ √ √ √
18 Maret / March18 √ √ √ √ √ √
25 Maret / March 25 √ √ √ x √ √
8 April / April 8 √ √ √ √ √ √
15 April / April 15 √ x √ √ √ x
22 April / April 22 √ √ √ x √ √
29 April / April 29 √ √ √ √ √ √
13 Mei / May 13 √ x √ √ x √
23 Mei / May 23 √ √ x x x √
10 Juni / June 10 √ √ √ √ √ √
24 Juni / June 24 X √ √ √ √ √
1 Juli / July 1 X √ √ √ x x
15 Juli / July 15 √ √ √ √ √ √
17 Juni / July 17 √ x √ x √ √
22 Juli / July 22 √ √ √ √ √ √
12 Agustus / August 12 √ √ √ √ x √
19 Agustus / August 19 √ √ √ x √ x
26 Agustus / August 26 √ √ √ x √ x
9 September / September 9 √ √ √ √ √ √
16 September / September 16 √ √ √ √ √ √
23 September / September 23 √ √ x √ x √
30 September / September 30 √ √ √ √ √ √
14 Oktober / October 14 √ √ x √ √ √
21 Oktober / October 21 √ x √ √ √ √
28 Oktober / October 28 √ √ √ √ x √
11 November / November 11 √ √ x √ √ √
18 November / November 18 √ x √ √ √ √
25 November / November 25 √ √ √ √ √ √
9 Desember / December 9 √ √ x √ √ √
16 Desember / December 16 √ x √ √ √ √
23 Desember / December 23 √ √ √ √ x √
30 Desember / December 30 √ √ x x √ √
*) Soejanto Soetjijodan Frenky Tirtowijoyo Susilobaru menjabat sebagai Direktur sejak RUPSLB 24 Maret 2015
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 327
Board of Directors Meeting AgendaAgenda Rapat Direksi
Tanggal / Dates
Nomor Risalah Rapat / Number of Minutes of Meeting
Agenda Rapat Meeting Agenda
21 JanuariJanuary 21
RR No.002/2014/DIR • Kredit• Fee Based Income• Produk• Kartu Kredit• Virtual Branch• Program Simas Holiday Service (SHS)• Pembukaan Kantor Cabang Syariah• Penyaluran Kredit Mikro• Struktur Organisasi Cabang
• Credit• Fee Based Income• Product• Credit Card• Virtual Branch• Simash Holiday Service (SHS)
Program• Opening of Sharia Branch Office• Micro Credit Distribution• Branch’s Organization Structure
28 JanuariJanuary 28
RR No.003/2014/DIR • Penyelenggaraan Training• Pengembangan Program Mckinsey• Produk • Business Partner• Kartu Kredit
• Training• Mckinsey Program development• Product• Business Partner• Credit Card
18 FebruariFebruary 18
RR No.006/2014/DIR • Business Partner• Wali Amanat & Kustodian• E-Form• Fee Based Income• Produk • Training • Fraud Monitoring
• Business Partner• Trustee & Custodian• E-Form• Fee Based Income• Product• Training• Fraud Monitoring
25 FebruariFebruary 28
RR No.007/2014/DIR • Maintenance Fee• Simobi dan I-Banking• Launching E-Form• Kartu Kredit• Business Partner• Kredit Retail• Lending & Funding• Kerja sama Pihak Ketiga• BPJS• Kartu ATM
• Maintenance Fee• Simobi and I-Banking• E-Form Launching• Credit Card• Business Partner• Retail Credit• Lending & Funding• Third Party Cooperation• BPJS• ATM
11 MaretMarch 11
RR No.009/2014/DIR • Retail Banking• Channeling• Kinerja Keuangan • Struktur Organisasi
• Retail Banking• Channeling• Financial Performance• Organization Structure
18 MaretMarch 18
RR No.010/2014/DIR • Tingkat Kesehatan Bank• Struktur Organisasi• Produk • Kartu Kredit
• Bank’s Health Level• Organization Structure• Product• Credit Card
25 MaretMarch 24
RR No.011/2014/DIR • Kredit• Project Mckinsey• Kartu Kredit• Struktur Organisasi• Tingkat Kesehatan Bank• Channeling• ATM
• Credit• Mckinsey Project• Credit Card• Organization Structure• Bank Health Level• Channeling• ATM
8 AprilApril 8
RR No.013/2014/DIR • Struktur Organisasi• Acquiring• Produk• ATM• Kredit Mikro dan Retail• Sekolah Binaan• Mentoring Direktur
• Organization Structure• Acquiring• Product• ATM• Micro & Retail Credit• Development School• Director Mentoring
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014328
Tanggal / Dates
Nomor Risalah Rapat / Number of Minutes of Meeting
Agenda Rapat Meeting Agenda
15 AprilApril 15
RR No.014/2014/DIR • Kartu Kredit• Sumber Daya Manusia• Acquiring• Produk• Sekolah Binaan• Wali Amanat • Rotasi dan Mutasi Jabatan
• Credit Card• Human Resource• Acquiring• Product• Development School• Trustee• Position Rotation and Mutation
22 AprilApril 22
RR No.015/2014/DIR • Kartu Kredit• Kerjasama Dengan Universitas• Kerjasama Dengan Pihak Ketiga• Retail Banking• Mutasi Jabatan• Bank Officer Program
• Credit Card• Cooperation with Universities• Cooperation with Third Parties• Retail Banking• Position Mutation• Bank Office Program
29 AprilApril 29
RR No.016/2014/DIR • Produk• Pemenuhan Kekosongan Pejabat
Eksekutif
• Product• Fulfillment of Executive Office
Position
13 MeiMay 13
RR No.018/2014/DIR • Simobi• Cash Deposit Machine• Rekrutmen• Rotasi Karyawan• Cost of Account• Produk• Laporan Keuangan April 2014
• Simobi• Cash Deposit Machine• Recruitment• Employee Rotation• Cost of Account• Product• Financial Statement April 2014
23 MeiMay 23
RR No.019/2014/DIR • Rotasi Dan Mutasi Pejabat• Produk E-Channel• Kredit• Program Mckinsey• Cash Deposit Machine• Acquiring
• Official Rotation and Mutation• E-Channel Products• Credit• Mckinsey Program• Cash Deposit Machine• Acquiring
10 JuniJune 10
RR No.021/2014/DIR • Rekrutmen• Cash Deposit Box• Acquiring• Akunting• Rencana Bisnis Bank• Kartu Kredit• Kerjasama• Kartu Kredit Corporate• Billing Statement• Produk• Likuiditas Bank• Virtual Branch• Rotasi Pegawai• Unit Usaha Syariah
• Recruitment• Cash Deposit Box• Acquiring• Accounting• Bank’s Business Plan• Credit Card• Cooperation• Corporate Credit Card• Billing Statement• Product• Bank’s Liquidity• Virtual Branch• Employee Rotation• Sharia Business Unit
17 JuniJune 17
RR No.022/2014/DIR • Cash Deposit Box• Acquiring• Akunting• Kerjasama• Kartu Kredit Corporate • ATM• Digital Banking• Unit Usaha Syariah• Produk• Mobil Kas Keliling• Kredit
• Cash Deposit Box• Acquiring• Accounting• Cooperation• Corporate Credit Card• ATM• Digital Banking• Sharia Business Unit• Product• Roving Cash Car• Credit
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 329
Tanggal / Dates
Nomor Risalah Rapat / Number of Minutes of Meeting
Agenda Rapat Meeting Agenda
24 JuniJune 24
RR No.023/2014/DIR • Kredit Mikro • ATM
• Micro Credit• ATM
1 JuliJuly 1
RR No.024/2014/DIR • Kredit Mikro • Kerjasama• Digital Banking• ATM• Produk
• Micro Credit• Cooperation• Digital Banking• ATM• Product
15 JuliJuly 15
RR No.026/2014/DIR • Kerjasama • Digital Banking• ATM• Rekrutmen• Internet Banking• Produk• Penentuan Libur Lebaran• HUT Bank Sinarmas Ke 25• Pimpinan Cabang
• Cooperation• Digital Banking• ATM• Recruitment• Internet Banking• Product• Determination of Eid Holiday• Bank Sinarmas 25th Anniversary• Branch Leader
22 JuliJuly 22
RR No.027/2014/DIR • Service Nasabah• Kerjasama• Digital Banking• ATM• Produk• Sinkronisasi SE dan SOP• Pimpinan Cabang• E- Form Bank• Divisi Fraud Management
• Customer Service• Cooperation• Digital Banking• ATM• Product• Synchronization of SE and SOP• Branch Leader• E-Form Bank• Fraud Management Division
12 AgustusAugust 12
RR No.029/2014/DIR • Service Nasabah• ATM• Internet Banking• Produk• Rekrutmen• Mobil Kas Keliling• Asuransi Karyawan
• Customer Service• ATM• Internet Banking• Product• Recruitment• Roving Cash Car• Employee Insurance
19 AgustusAugust 19
RR No.030/2014/DIR • E-Form• Atm• Internet Banking• Produk• Pimpinan Cabang• Rekrutmen• Simobi Plus• Cross Selling• Kerjasama
• E-Form• ATM• Internet Banking• Product• Branch Leader• Recruitment• Simobi Plus• Cross Selling• Cooperation
26 AgustusAugust 26
RR No.031/2014/DIR • Service Nasabah• E-Form• ATM• Produk• Rekrutmen• Simobi Plus• Kartu Kredit• Kerjasama• Kartu Union Pay
• Customer Service• E-Form• ATM• Product• Recruitment• Simobi Plus• Credit Card• Cooperation• Union Pay Card
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014330
Tanggal / Dates
Nomor Risalah Rapat / Number of Minutes of Meeting
Agenda Rapat Meeting Agenda
9 SeptemberSeptember 9
RR No.033/2014/DIR • ServiceNasabah• E-Form• ATM• Produk• PimpinanCabang• Rekrutmen• SimobiPlus• ListBlackList• PerformanceKanWil• TingkatKesehatanBank
• Customer Service• E-Form• ATM• Product• Recruitment• Simobi Plus• Credit Card• Cooperation• Union Pay Card
16 SeptemberSeptember 16
RR No.034/2014/DIR • Produk• Customer Kartu Kredit• Acquiring• PortofolioKredit• InsentifkepadaCabang• ProyeksiLaporanKeuanganper
September 2014
• Product• Customer Credit Card• Acquiring• Credit Portfolio• Incentive to Branches• Financial Statement Projection
per September 2014
23 SeptemberSeptember 23
RR No.035/2014/DIR • BIChecking• ATMSwitching• TrainingBIC• InsentifCabang• PortofolioKreditBermasalah
• BI Checking• ATM Switching• BIC Training• Branches Incentive• Non-Performing Loans Portfolio
30 SeptemberSeptember 30
RR No.036/2014/DIR • TravelInsurance• RekeningOnline• E-Form• PenambahanDireksi
• KajianWilayahKanwil
• Travel Insurance• Online Account• E-Form• Addition of the Board of
Directors• Area Review of Regional Office
14 OktoberOctober 14
RR No.038/2014/DIR • PenambahanModaldiSetor• TindakLanjutRekomendasiOJK
• SOP&Board Manual Pengangkatan Direktur dan Komisaris
• KantorCabang
• Addition of Paid-In Capital• Follow-up on OJK
Recommendation• SOP & Board Manual of Board
of Directors and Board of Commissioners Appointment
• Branch Office
21 OktoberOctober 21
RR No.039/2014/DIR • E-Money• KartuDebitUnion Pay• SimobiPlus• TravelCheck• KartuDebit• ATMNonTunai• StrukturOrganisasi
• E-Money• Union Pay Debit Card• Simobi Plus• Travel Check• Debit Card• Non-Cash ATM• Organization Structure
28 OktoberOctober 28
RR No.040/2014/DIR • KartuDebit• TravelCheck• ATMSwitching• PINKartuKredit• Produk• SimobiPlus• RekomendasiDewanKomisaris
• RencanaBisnisBank2015• MentoringSyariah
• Debit Card• Travel Check• ATM Switching• Credit Card PIN• Product• Simobi Plus• Recommendation of Board of
Commissioners• Bank’s Business Plan in 2015• Sharia Mentoring
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 331
Tanggal / Dates
Nomor Risalah Rapat / Number of Minutes of Meeting
Agenda Rapat Meeting Agenda
11 NovemberNovember 11
RR No.042/2014/DIR • TravelCheck• UnitUsahaSyariah• Produk• CorporateInternetBanking• KerjasamaPihakKetiga• StrukturOrganisasiKantorCabang
• Travel Check• Sharia Business Unit• Products• Corporate Internet Banking• Third Party Cooperation• Organization Structure of Branch
Offices
18 NovemberNovember 18
RR No.043/2014/DIR • E-Money• SimobiPlus• PeningkatanService Level• KartuKredit• KreditMikro• RencanaBisnisBank• KantorKas• PembukaanKantorFungsional
• E-Money• Simobi Plus• Improvement of Service Level• Credit Card• Micro Credit• Bank’s Business Plan• Cash Office• Opening of Functional Office
25 NovemberNovember 25
RR No.044/2014/DIR • KantorCabangPembantu• UnitUsahaSyariah• ManPowerPlaning• KerjasamaPihakKetiga• TravelCheck• Kredit• ProgramLakuPandaiOJK• DPKdanNPLKreditBank• Promosi• StrukturOrganisasiCabangThamrin• PerubahanCorporate Secretary
• Sub-Branch Office• Sharia Business Unit• Man Power Planning• Third Party Cooperation• Travel Check• Credit• OJK Intelligent Behaviour
Program• DPK and NPL Bank Credit• Promotion• Organization Structure of
Thamrin Branch• Changes of Corporate Secretary
9 DesemberDecember 9
RR No.046/2014/DIR • PINKartuKredit• ATMSwitching• SupplyChainFinancing• KeyAccountManager• KTAsiMikro• KomitePenyelesaianKredit
Bermasalah• E-Money• StrukturOrganisasiMicro Small
Business
• Credit Card PIN• ATM Switching• Supply Chain Financing• Key Account Manager• KTA siMikro• Non-Performing Loans
Settlement Committee• E-Money• Organization Structure of Micro
Small Business
16 DesemberDecember 16
RR No.047/2014/DIR • Kredit• StrukturRetail Banking• StrukturLiabilities Product• KerjasamaPihakKetiga• KartuKredit
• Credit• Retail Banking Structure• Liabilities Product Structure• Third Party Cooperation• Credit Card
23 DesemberDecember 23
RR No.048/2014/DIR • KreditMikro• DigitalBanking• E-Statement• KartuKreditdanKartuATM• Supply Chain Financing dan Cash
Management• UnitUsahaSyariah• LaporanOverdue Konvensional dan
Syariah
• Micro Credit• Digital Banking• E-Statement• Credit Card & ATM Card• Supply Chain Financing & Cash
Management• Sharia Business Unit• Ovedue Conventional and Sharia
Report
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014332
Training Program
In 2014, the Board of Directors has participated in various
seminar/training/workshop in order to improve its competencies,
among others:
WORK RELATION OF THE BOARD OF COMMISSIONERS AND BOARD OF DIRECTORS
Board of Commissioners and Board of Directors are committed
to uphold a healthy and strong banking system together
to implement the principles of GCG in management of the
Tanggal / Dates
Nomor Risalah Rapat / Number of Minutes of Meeting
Agenda Rapat Meeting Agenda
30 DesemberDecember 30
RR No.049/2014/DIR • KreditMikro• E-Statement• Supply Chain Financing dan Cash
Management• PINKartuKredit• SosialisasiPerubahanCustomer Care
• Micro Credit• E-Statement• Supply Chain Financing and Cash
Management• Credit Card PIN• Socialization of Changes of
Contact Center
Program Pelatihan
Pada 2014, Direksi telah mengikuti berbagai seminar/training/
workshop guna meningkatkan kompetensinya, antara lain:
Seminar/ SeminarPenyelenggara /
OrganizerWaktu/ Time Tempat/ Place
Freenyan Liwang
Refresmen Kompetensi Manajemen Risiko Perbankan Level 5 / Refreshment Banking Risk Management Competence Level 5
LSPP 12 April 2014 / April 12, 2014 Jakarta, Indonesia
Performance Review Training McKinsey 14 Oktober 2014 / October 14, 2014 Jakarta, Indonesia
Heru Agus Wuryanto
Refresmen Kompetensi Manajemen Risiko Perbankan Level 5 / Refreshment Banking Risk Management Competence Level 5
LSPP 12 April 2014 / April 12, 2014 Jakarta, Indonesia
Performance Review Training McKinsey 14 Oktober 2014 / October 14, 2014 Jakarta, Indonesia
Loa Johnny Mailoa
Performance Review Training McKinsey 14 Oktober 2014 / October 14, 2014 Jakarta, Indonesia
Halim
Performance Review Training McKinsey 14 Oktober 2014 / October 14, 2014 Jakarta, Indonesia
Salis Teguh Hartono
Seminar Risk and Governance Summit 201418 November 2014 / November 18, 2014
Jakarta, Indonesia
Hanafi Himawan
Performance Review Training McKinsey 14 Oktober 2014 / October 14, 2014 Jakarta, Indonesia
Manajemen Aset dan Liabilitas / Assets and Liabilities Management Relius18-19 Oktober 2014 / / October 18-19, 2014
Jakarta, Indonesia
Indonesia National Productivity Conference 2014 ISO User Club5-6 November 2014 / November 5-6, 2014
Jakarta, Indonesia
ERMA Bali International Seminar on ERM 2014 ERMA4-5 Desember 2014 / December 4-5, 2014
Bali, Indonesia
HUBUNGAN KERJA DEWAN KOMISARIS DAN DIREKSI
Dewan Komisaris dan Direksi berkomitmen untuk bersama-
sama menegakan sistem perbankan yang sehat dan kuat
untuk menerapkan prinsip-prinsip GCG dalam pengelolaan
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 333
Company. Harmony of Duties and responsibilities from the
Board of Commissioners and Board of Directors in running its
daily operational activity, will affect the progress and health of
the Company significantly.
Based on the Company’s Articles of Association, there are
several Board of Directors’ decision which has to be approved
by the Board of Commissioners, namely:
• In any way releasing rights or collateralizing real estate,
including rights on land and companies valued less than
1/2 (one half) of capital listed in balance sheet and income
statement approved by Annual GMS;
• In any way obtaining real estate including rights on land or
companies;
• Receiving loans from any party amounting more than set
forth by the meeting of the Board of Commissioners;
• Giving loans to related parties;
• To write off basic loan to related or unrelated parties
according to the prevailing regulation in the bank;
• To pawn or collateralize the bank’s assets amounting more
than 1/2 (one half) of the listed capital at the balance sheet
and income statement approved by the Annual GMS
Bank Sinarmas always prioritize the independency of member
of the Board of Commissioners and Board of Directors so that
there will be no conflict of interest in the implementation of
their duties and responsibilities in independent and critical
way. Within the Company, there is Board of Commissioners
and member of the Board of Directors who concurrent position
as Commissioner. Director pr Executive Officer in other Bank/
Institution, as well as no financial and family relationship among
fellow member of the Board of Directors and/or member of the
Board of Commissioners up to the second degree.
perusahaan. 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:
• Melepaskan hak atau mengagunkan barang tidak 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.
• Memperoleh dengan cara apapun barang tidak bergerak,
termasuk hak atas tanah atau perusahaan perusahaan.
• Menerima pinjaman uang dari siapapun, apabila jumlah
pinjaman tersebut melebihi jumlah yang ditetapkan oleh
rapat Dewan Komisaris.
• Memberi pinjaman uang kepada pihak terkait.
• Menghapus buku terhadap pokok pinjaman kepada pihak
terkait maupun tidak terkait sesuai dengan ketentuan yang
berlaku di Bank.
• Menggadaikan atau mengagunkan harta kekayaan bank
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 hubungan keuangan dan keluarga dengan sesama
anggota Direksi dan/atau anggota Dewan Komisaris hingga
derajat kedua.
Nama / Name
Hubungan keuangan dengan / Financial ithHubungan keluarga dengan /
Family Relationship with
Komisaris / Board of
Commissioners
Direksi / Board of Directors
Pemegang Saham
Pengendali / Controlling
Shareholders
Komisaris / Board of
Commissioners
Direksi / Board of Directors
Pemegang Saham
Pengendali / Controlling
Shareholders
Ya / Yes
Tidak / no
Ya / Yes
Tidak / no
Ya / Yes
Tidak / no
Ya / Yes
Tidak / no
Ya / Yes
Tidak / no
Ya / Yes
Tidak / no
Dewan Komisaris / Board of Commissioners
TjendrawatiWidjadja X X X X X X
Sammy Kristamuljana X X X X X X
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014334
Information:*) Did not serve as Board of Commissioners since June 13, 2014**) Did not serve as Board of Commissioners since June 19, 2014***) Effective to serve as Director since March 24, 2014
Frequency, Attendance Rate, and Attendance of Board of
Commissioners and Board of Directors Joint Meeting
Throughout 2014, Board of Commissioners and Board of
Directors have organized 13 joint meetings which were led by
President Director. The entire results of joint meetings are made
based on consensus and stated in written form in minutes of
meetings and is well-documented.
Therefore, Bank Sinarmas has met the provision of Bank
Indonesia on the implementation of GCG and Company’s
internal provision which is Board Manual as well as Guidelines
of the Board of Directors’ Regulation and Guidelines of the
Board of Commissioners’ Regulation.
Frequency and Attendance Rate of Board of Commissioners
and Board of Directors Joint Meeting
Nama / Name
Hubungan keuangan dengan / Financial ithHubungan keluarga dengan /
Family Relationship with
Komisaris / Board of
Commissioners
Direksi / Board of Directors
Pemegang Saham
Pengendali / Controlling
Shareholders
Komisaris / Board of
Commissioners
Direksi / Board of Directors
Pemegang Saham
Pengendali / Controlling
Shareholders
Ya / Yes
Tidak / no
Ya / Yes
Tidak / no
Ya / Yes
Tidak / no
Ya / Yes
Tidak / no
Ya / Yes
Tidak / no
Ya / Yes
Tidak / no
WimpieRianto* 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 T. Susilo*** X X X X X X
Keterangan : * Tidak menjabat sebagai Dewan Komisaris sejak 13 Juni 2014**Efektif menjabat sebagai Dewan Komisaris sejak sejak 19 Juni 2014***) Efektif menjabat sebagai Direktur sejak 24 Maret 2015
Frekuensi, Tingkat Kehadiran, dan Absensi Rapat
Gabungan Dewan Komisaris Dengan Direksi
Selama 2014, Dewan Komisaris dan Direksi telah
menyelenggarakan rapat gabungan sebanyak 13 kali yang
dipimpin oleh Direktur Utama. Seluruh hasil rapat gabungan
diputuskan berdasarkan 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 dan Pedoman Tata Tertib Kerja Dewan
Komisaris.
Frekuensi dan Tingkat Kehadiran Rapat Gabungan Dewan
Komisaris Dengan Direksi
Nama / Name Jabatan/ PositionJumlah Kehadiran / Total Attendance
Presentase Kehadiran / Attendance Percentage
Tjendrawati Widjaja Komisaris Utama / President Commissioner 12/12/1313 92.3%
Sammy Kristamuljana Komisaris Independen / Independent Commissioner 12/13 92.3%
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 335
Information: *) Did not serve as the Board of Commissioners since June 13, 2014**) Effective serve as the Board of Commissioners since June 19, 2014***) Effective serve as Director since March 24, 2015
Description:• TW (Tjendrawati Widjaja) • SK (Sammy Kristamuljana)• WR (Wimpie Rianto)• RU (Rusmin)• FL (Freenyan Liwang)• HA (Heru Agus Wuryanto)• SL (Salis Teguh Hartono)• JM (Loa Johnny Mailoa)• HL (Halim)• HH (Hanafi Himawan)• SS (SoejantoSoetjijo)• FT (Frenky Tirtowijoyo Susilo)
*) No longer serve as Board of Commissioners since June 13, 2014**) Effective serve as Board of Commissioners since June 19, 2014***) Effective serve as Board of Directors since March 24, 2015
Nama / Name Jabatan/ PositionJumlah Kehadiran / Total Attendance
Presentase Kehadiran / Attendance Percentage
Wimpie Rianto* Komisaris Independen / Independent Commissioner 6/13 46.1%
Rusmin** Komisaris Independen / Independent Commissioner 6/13 46.1%
Freenyan Liwang Direktur Utama / President Director 12/13 92.3%
Heru Agus Wuryanto Direktur / Director 12/13 92.3%
Halim Direktur / Director 11/13 84.6%
Loa Johnny Mailoa Direktur / Director 12/13 92.3%
Salis Teguh Hartono Direktur Independen / Independent Director 10/13 76.92%
Hanafi Himawan Direktur Independen / Independent Director 13/13 100%
SoejantoSoetjijo*** Direktur Independen / Independent Director 10/13 76.92%
Frenky Tirtowijoyo Susilo *** Direktur Independen / Independent Director 13/13 100%
Keterangan:* Tidak menjabat sebagai Dewan Komisaris sejak 13 Juni 2014** Efektif menjabat sebagai Dewan Komisaris sejak sejak 19 Juni 2014 ***) Efektif menjabat sebagai Direktur sejak 24 Maret 2015
NoInisial
Tanggal
TW SK WR* RU** FL HA HL JM SL HHSS ***
FT ***
1 7 Januari √ √ √
Belu
m b
erga
bung
Not
join
ed
√ √ √ √ √ √
Belu
m b
erga
bung
Not
join
ed
Belu
m b
erga
bung
Not
join
ed
2 4 Februari √ √ √ √ √ √ √ √ √
3 11 Februari √ √ √ √ √ √ √ x √
4 4 Maret √ √ √ √ √ √ √ √ √
5 1 April √ √ √ √ √ x √ √ √
6 6 Mei √ x x √ √ √ √ √ √
7 3 Juni √ √ √ √ √ √ √ x √
8 8 Juli x √
Suda
h tid
ak b
erga
bung
Resi
gn
√ √ √ √ √ √ √
Belu
m b
erga
bung
Not
join
ed
Belu
m b
erga
bung
Not
join
ed9 5 Agustus √ √ √ √ x √ x √ √
10 2 September √ √ √ √ √ x √ √ √
11 7 Oktober √ √ √ x √ √ √ √ √
12 4 November √ √ √ √ √ √ √ x √
13 2 Desember √ √ √ √ √ √ √ √ √
T O T A L 12 12 6 6 12 12 11 12 10 13 - -
Keterangan:• TW (Tjendrawati Widjaja) • SK (Sammy Kristamuljana)• WR (Wimpie Rianto)• RU (Rusmin)• FL (Freenyan Liwang)• HA (Heru Agus Wuryanto)• SL (Salis Teguh Hartono)• JM (Loa Johnny Mailoa)• HL (Halim)• HH (Hanafi Himawan)• SS (SoejantoSoetjijo)• FT (Frenky Tirtowijoyo Susilo)
* Tidak menjabat sebagai Dewan Komisaris sejak 13 Juni 2014** Efektif menjabat sebagai Dewan Komisaris sejak sejak 19 Juni 2014*** Efektif menjabat sebagai Direktur sejak 24 Maret 2015
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014336
Agenda of Board of Commissioners and Board of Directors
Joint Meeting
Agenda Rapat Gabungan Dewan Komisaris dan Direksi
Tanggal / Dates
Nomor Risalah Rapat / Number of Minutes of Meeting
Agenda Rapat Meeting Agenda
7 Januari 2014January 7, 2014
RR No.001/2014/DIRKOM • Fee Based Income• Kredit• Rencana Bisnis Bank• Pic Unit Kerja Liabilities• GCG• Relokasi Kantor Kas• Kartu Kredit
• Fee Based Income• Loan• Bank’s Business Plan• Liabilities Working Unit Pic• GCG• Cash Office Relocation• Credit Card
4 Februari 2014February 4, 2014
RR N.004/2014/DIRKOM • Pemenuhan Kepala Wilayah• Kartu Kredit• Relokasi Kantor Kas• Rapat Kerja Per Kantor Wilayah• Pembukaan Kantor Cabang Syariah
Palembang
• Fulfillment of Regional Head• Credit Card• Cash Office Relocation• Work Meeting per Regional Office• Opening of Palembang Branch
Office
11 Februari 2014February 11, 2014
RR No.005/2014/DIRKOM • Pengajuan Kartu Kredit Syariah• Kartu Kredit• Payment Point Online Bank Type 2
• E-Money• Kredit • Valas Unit Syariah• Pengembangan Program Mckinsey
• Pemenuhan Kepala Wilayah• Internet Banking• Mentoring System• Produk
• Sharia Credit Card Application• Credit Card• Payment Point Online Bank Type
2• E-Money• Credit• Sharia Unit Currency• Development of Mckinsey
Program• Fulfillment of Regional Head• Internet Banking• Mentoring System• Product
4 Maret 2014March 4, 2014
RR No.008/2014/DIRKOM • Internet Banking• ATM• Kartu Kredit• Struktur Organisasi
• Internet Banking• ATM• Credit Card• Organization Structure
1 April 2014April 1, 2014
RR No.012/2014/DIRKOM • Acquiring• Produk • Tingkat Kesehatan Bank• Wali Amanat• Laporan Keuangan Bank• Training• Struktur Organisasi• Kredit Mikro
• Acquiring• Product• Bank’s Health Level• Trustee• Bank’s Financial Statement• Training• Organization Structure• Micro Credit
6 Mei 2014May 6, 2014
RR No.017/2014/DIRKOM • Kredit Mikro• Pengelolaan Likuiditas Bank
• Non Performing Loan• Pembukaan Kantor Fungsional
• Micro Credit• Management of the Bank’s
Liquidity• Non-Performing Loan• Opening of Functional Office
3 Juni 2014June 3, 2014
RR No.020/2014/DIRKOM • Cash Deposit Box• Acquiring• Akunting• Rencana Bisnis Bank• Kartu Kredit• Mentoring Direktur
• Cash Deposit Box• Acquiring• Accounting• Bank’s Business Plan• Credit Card• Director’s Mentoring
8 Juli 2014July 8, 2014
RR No.025/2014/DIRKOM • Kredit Mikro• Internet Banking• Produk• Kartu Kredit • Produk
• Micro Credit• Internet Banking• Product• Credit Card• Product
5 Agustus 2014August 5, 2014
RR No.028/2014/DIRKOM • Service Nasabah• Produk• Rekrutmen• Edukasi Perbankan
• Customer Service• Product• Recruitment• Banking Education
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 337
POLICIES AND PROCEDURES OF THE BOARD OF DIRECTORS REMUNERATION DETERMINATION
Board of Commissioners and Board of Directors
Remuneration Policy
Based on the decision of GMS as stated in the Deed No. 44
dated June 13, 2014 regarding Notes of the Annual General
Meeting of Shareholders of Bank Sinarmas, the remuneration
determination for member of the Board of Directors and
member of the Board of Commissioners is submitted back
to the Board of Commissioners by taking into account the
suggestions/inputs from the Remuneration and Nomination
Committee.
Procedure for the Remuneration Determination of the Board
of Commissioners and Board of Director of Bank Sinarmas
consider the Company’s performance, business size, and peer
bank remuneration result. The implementation of remuneration
is carried out through the following stages:
Tanggal / Dates
Nomor Risalah Rapat / Number of Minutes of Meeting
Agenda Rapat Meeting Agenda
2 September 2014September 2, 2014
RR No.032/2014/DIRKOM • Customer Service• E-Form• ATM Switching• Promotion• Recruitment of Group Head & Advisor
IT Architecture• Simobi Plus• Third Party Cooperation• Credit Card PIN• Union Pay Card• Marketing Strategy• Mentoring Distribution
• Customer Service• E-Form• ATM Switching• Promotion• Recruitment of Group Head &
Advisor IT Architecture• Simobi Plus• Third Party Cooperation• Credit Card PIN• Union Pay Card• Marketing Strategy• Mentoring Distribution
7 Oktober 2014October 7, 2014
RR No.037/2014/DIRKOM • ATM Card• Product• Third Party Cooperation• Financial Statement- End of
September 2014
• ATM Card• Product• Third Party Cooperation• Financial Statement- End of
September 2014
4 November 2014November 4, 2014
RR No.041/2014/DIRKOM • Credit• Credit Limit Utilization Efficiency• Working Unit Handling of Non-
performing Loans Committee• Fund Transfer Pricing• IT and Operational Work Plan• SMME Work Plan• Third Party Cooperation
• Credit• Credit Limit Utilization Efficiency• Working Unit Handling of Non-
performing Loans Committee• Fund Transfer Pricing• IT and Operational Work Plan• SMME Work Plan• Third Party Cooperation
2 Desember 2014December 2, 2014
RR No.045/2014/DIRKOM • Fund Transfer Pricing• Credit• Credit Card• Branch Office Simas Community
• Fund Transfer Pricing• Credit• Credit Card• Branch Office Simas Community
KEBIJAKAN DAN PROSEDUR PENETAPAN REMUNERASI DIREKSI
Kebijakan Remunerasi Dewan Komisaris dan Direksi
Berdasarkan keputusan RUPS sebagaimana dituangkan dalam
Akta No. 44 tertanggal 13 Juni 2014 tentang Berita Acara
RUPS 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:
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014338
Package/Policies of Remuneration and Other Facilities For
the Board of Commissioners and Board of Directors
*) assessed in equivalent Rupiah
Total member of the Board of Commissioners and Board of
Directors who received remuneration package within one year
that is grouped in the range of income is as follows:
*) received in cash
Highest and Lowest Salary Ratio
Komite Remunerasi dan Nominasi / Remuneration and Nomination
Committee
Dewan KomisarisBoard of Commissioners
RUPSAGMS
Paket/Kebijakan Remunerasi dan Fasilitas Lain Bagi
Dewan Komisaris dan Direksi
Jenis Remunerasi dan Fasilitas Lain / Type of Remuneration and Other Facilities
Jumlah yang di terima dalam 1 Tahun / Total accepted within 1 Year
Dewan Komisaris / Board of Commissioners
Direksi / Board of Directors
Orang / Person
Jutaan Rupiah / Million Rupiah
Orang / Person
Jutaan Rupiah / Million Rupiah
Remunerasi (gaji, bonus, tunjangan rutin, tantiem, dan fasilitas lainnya)Remuneration (salary, bonus, allowance, tantiem, and other facilities)
3 2.246 6 7.857
Fasilitas lain dalam bentuk natura (perumahan, transportasi, asuransi kesehatan dan sebagainya*):Other facilities in form of natura (house, transportation, health insurance, and others*):
a. Dapat dimiliki / Can be owned 3 59 6 245
b. Tidak dapat dimiliki /Cannot be owned
Total 3 2.304 6 8.102
*) Dinilai dalam ekuivalen rupiah
Jumlah anggota Dewan Komisaris dan Direksi yang menerima
paket remunerasi dalam satu tahun yang dikelompokan dalam
kisaran tingkat penghasilan adalah sebagai berikut:
Jumlah Remunerasi per Orang dalam 1 tahun *) / Total Remuneration per Person in 1 Year *)
Jumlah Komisaris / Total Commissioners
Jumlah Direksi / Total Directors
> Rp2.000.000.000 - 1
> Rp1.000.000.000 s.d. Rp2.000.000.000 1 2
> Rp500.000.000 s.d. Rp1.000.000.000 1 3
< Rp500.000.000 1 -*) yang diterima secara tunai
Rasio Gaji Tertinggi dan Terendah
Keterangan / Description Rasio / Ratio
Rasio gaji pegawai yang tertinggi dan terendahRatio of highest and lowest employee’s salary
1 :44.55
Rasio gaji Direksi yang tertinggi dan terendahRatio of highest and lowest Director’s salary
1 : 3.67
Rasio gaji Komisaris yang tertinggi dan terendahRatio of highest and lowest Commissioner’s salary
1 :2.38
Rasio gaji Direksi tertinggi dan pegawai tertinggiRatio of Highest Director’s salary and highest employee’s salary
1 : 5.18
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 339
ASSESSMENT OF THE BOARD OF COMMISSIONERS AND BOARD OF DIRECTORS
Implementation Procedure of the Board of Commissioners
Assessment
Assessment on the Board of Commissioners’ performance
is conducted through self-assessment by each member by
paying attention to performed actions based on the supervision
and its effectiveness as well as contribution of committees
under the Board of Commissioners. In addition, shareholders
also conducted assessment on the Board of Commissioners’
performance during the submission of Board of Commissioners’
duties and responsibilities implementation report in the GMS.
Implementation Procedure of the Board of Directors
Assessment on the Board of Directors performance is conducted
by the Board of Commissioners. While assessment on each
member of the Board of Directors is carried out by the President
Director.
Customer Satisfaction Perspective
financial perspective
customer perspective
internal business perspective
Innovation and Learning Perspective
Environment and Society Perspective
These six perspectives, is lowered to be assessment aspects
that has obtained input from the Board of Commissioners and
agreed by the entire member of the Board of Directors (by
taking into account the diversion of duties and responsibilities).
This is intended to be a reminder for the Board of Directors so
that corporate plan and Bank’s business plan which has been
set can be realized
ASSESSMENT DEWAN KOMISARIS DAN DIREKSI
Prosedur Pelaksanaan Assessment Dewan Komisaris
Penilaian kinerja Dewan Komisaris dilakukan secara
self assessment oleh masing-masing anggota dengan
memperhatikan tindakan yang dilakukan berdasarkan
pengawasan yang dilakukan dan efektifitasnya dan kontribusi
komite-komite dibawah Dewan Komisaris. Selain itu, pemegang
saham juga melakukan penilaian terhadap kinerja Dewan
Komisaris saat disampaikannya laporan pelaksanaan tugas dan
tanggung jawab Dewan Komisaris dalam RUPS.
Prosedur Pelaksanaan Assessment Direksi
Penilaian kinerja Direksi secara keseluruhan dilakukan oleh
Dewan Komisaris. Sedangkan penilaian masing-masing
anggota Direksi dilakukan oleh Direktur Utama.
Perspektif Kepuasan Karyawan
Perspektif financial
Perpektif konsumen
Perspektif internal bisnis
Perpective Inovasi dan Pembelajaran
Perspektif Lingkungan dan Masyarakat
Keenam perspektif tersebut, diturunkan menjadi aspek-
aspek penilaian yang telah mendapat masukan dari Dewan
Komisaris dan disepakati oleh seluruh anggota Direksi (dengan
memperhatikan pembagian tugas dan tanggung jawabnya). Hal
ini bertujuan sebagai reminder atau pengingat bagi Direksi agar
corporate plan dan rencana bisnis Bank yang telah ditetapkan
dapat terealisasi dengan baik.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014340
COMMITTEES UNDER THE BOARD OF COMMISSIONERS
AUDIT COMMITTEEDismissal of member of the Audit Committee can be done if
the tenure of the person concerned ended and based on the
decision of the Board of Commissioners, dismissed because not
being able to meet the performance that has been set and/or is
not competent in performing its duties.
Legal Basis of Audit Committee Establishment
The Company’s Audit Committee is established based on the
regulation/legislation as follows:
1. Law of Republic Indonesia No. 40 year 2007 regarding
Limited Companies
2. Decision of the Board of Directors from PT Bursa Efek Jakarta
No. Kep-305/BEJ/07-2004 dated July 19, 2004 regarding
Rule No. I-A on Shares Listing and Equity Securities Other
Than Shares That Is Issued by Listed Company.
3. Decision of the Chairman of Bapepam-LK No. Kep-29/
PM/2004 dated September 24, 2004 appendix: Regulation
IX.I.5 on the Establishment and Guidelines of Audit
Committee Implementation
4. Regulation of Bank Indonesia No. 8/4/PBI/2006 on the
Implementation of Good Corporate Governance for
Commercial Banks jo Regulation of Bank Indonesia No.
8/14/PBI/2006 on the amendment of PBI No. 8/4/PBI/2006
on the Implementation of Good Corporate Governance for
Commercial Banks.
Structure and Composition of Audit Committee Member
Based on SK No.015/2014/PRESDIR-Corsec&Corcomm dated
July 3, 2014, the composition of Audit Committee member is
as follows:
KOMITE-KOMITE DI BAWAH DEWAN KOMISARIS
KOMITE AUDIT /
GCG Committee
KOMITE PEMANTAU
RISIKO / RISK MONITORING COMMITTEE
KOMITE GCG / Audit
Committee
KOMITE REMUNERASI &
NOMINASI / RISK MONITORING COMMITTEE
KOMITE-KOMITE DI BAWAH DEWAN KOMISARIS
KOMITE AUDITPemberhentian anggota Komite Audit dapat dilakukan apabila
yang bersangkutan berakhir masa jabatan keanggotaannya
dan berdasarkan keputusan Dewan Komisaris, diberhentikan
karena tidak memenuhi kinerja yang telah ditetapkan dan/atau
tidak kompeten dalam menjalankan tugasnya.
Dasar Hukum Pembentukan Komite Audit
Komite Audit Perseroan dibentuk berdasarkan peraturan
peraturan/perundangan sebagai berikut:
1. Undang Undang Republik Indonesia No. 40 tahun 2007
tentang Perseroan Terbatas.
2. Keputusan Direksi PT Bursa Efek Indonesia No. Kep-305/
BEJ/07-2004 tanggal 19 Juli 2004 tentang Peraturan No.I-A
tentang Pencatatan Saham dan Efek Bersifat Ekuitas Selain
Saham Yang Diterbitkan Oleh Perusahaan Tercatat.
3. Keputusan Ketua Bapepam-LK No. Kep-29/PM/2004
tanggal 24 September 2004 Lampiran: Peraturan IX.I.5
tentang Pembentukan dan Pedoman Pelaksanaan Komite
Audit.
4. Peraturan Bank Indonesia No. 8/4/PBI/2006 tentang
Pelaksanaan Good Corporate Governance Bagi Bank Umum
yang telah diubah dengan Peraturan Bank Indonesia No.
8/14/PBI/2006 tentang Perubahan atas PBI No. 8/4/PBI/2006
Pelaksanaan Good Corporate Governance Bagi Bank
Umum.
Struktur dan Susunan Anggota Komite Audit
Berdasarkan SK No.015/2014/PRESDIR-Corsec&CorComm
tanggal 3 Juli 2014, susunan anggota Komite Audit adalah
sebagai berikut:
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 341
Profile of Audit Committee
Rusmin - Chairman
Profile of the Chairman of Audit Committee is already served in
the profile of Board of Commissioners
Edwin Hidayat Abdullah - Member
Indonesian Citizen, 43 years old. Joined Bank Sinarmas since
2007. Received his Bachelor’s Degree of Economy from Gadjah
Mada University, Master’s Degree of Public management from
NUS, Lee KuanYew School of Public Policy in 20014. Started his
careed in Pan Indonesia Bank in 1996.
Agustinus Antonius - Member
Indonesian Citizen, 46 years old, Joined Bank Sinarmas since
2007. Received his Master’s Degree of Management from
Gadjah Mada University in 1992. Started his banking career in
Bank Sumitomo Niaga (now Bank Sumitomo Indonesia).
Ketut Sanjaya - Member
Indonesian Citizen, 63 years old. Joined Bank Sinarmas since
2001. Received his Master’s Degree from Boston University in
1984. Started his career in Bank Indonesia in 1994.
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
Refer to the Provision of Bank Indonesia and Audit Committee
Charter, it is stated that:
• Member of Audit Committee at least consists of 1 (one)
Independent Commissioner as the chairman and member
as well as 1 Independent party with expertise in the field
of finance or accounting and 1 independent party with
expertise in the field of law or banking.
Nama / Name Posisi / Position Periode / Period Keahlian / Expertise
Rusmin Ketua / Chairman Juli 2014 - sekarang / July 2014 - now
Perbankan, ekonomi / Banking, economy
Edwin Hidayat Abdullah Anggota / Member Juli 2014 - sekarang / July 2014 - now
Perbankan, ekonomi, manajemen / Banking, economy, management
Agustinus Antonius Anggota / Member Juli 2014 - sekarang / July 2014 - now
Manajemen, perbankan / Management, banking
Ketut Sanjaya Anggota / Member Juli 2014 - sekarang / July 2014 - now
Perbankan / Banking
Profil Komite Audit
Rusmin - Ketua
Profil Ketua Komite Audit sudah disajikan dalam profil Dewan
Komisaris.
Edwin Hidayat Abdullah - Anggota
Warga Negara Indonesia, 43 tahun. Bergabung dengan Bank
Sinarmas sejak 2007. Meraih gelar Sarjana Ekonomi dari
Universitas Gadjah Mada, gelar Master of Public Management
dari NUS, Lee Kuan Yew School of Public Policy pada 2004.
Mengawali karir di Pan Indonesia Bank pada 1996.
Agustinus Antonius - Anggota
Warga Negara Indonesia, 46 tahun. Bergabung dengan Bank
Sinarmas sejak 2007. Meraih gelar Magister Manajemen
dari Universitas Gadjah Mada pada 1992. Mengawali karir
perbankan di Bank Sumitomo Niaga (sekarang Bank Sumitomo
Indonesia).
Ketut Sanjaya - Anggota
Warga Negara Indonesia, 63 tahun. Bergabung dengan Bank
Sinarmas sejak 2011. Meraih gelar Master dari Boston University
pada 1984. Mengawali karir di Bank Indonesia pada 1994.
Keanggotaan Komite Audit telah sesuai dengan yang disyaratkan
oleh ketentuan Bank Indonesia tentang pelaksanaan GCG dan
Piagam Komite Audit.
Independensi Komite Audit
Mengacu kepada Ketentuan Bank Indonesia dan Piagam
Komite Audit dinyatakan bahwa:
• Anggota Komite Audit paling sedikit terdiri dari 1 (satu)
orang Komisaris Independen sebagai ketua merangkap
anggota serta 1 (satu) orang pihak independen yang
memiliki keahlian di bidang keuangan atau akuntansi serta
1 (orang) orang pihak independen yang memiliki keahlian
di bidang hukum atau perbankan.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014342
• Audit Committee is chaired by Independent Commissioner.
In case Independent Commissioner who became member
of Audit Committee is more than 1 person, then one of
them is appointed as the Chairman of Audit Committee
• At least 51% from total member of Audit Committee is
Independent Commissioner and independent parties.
Independency of the Audit Committee has met the provision of
Bank Indonesia on the implementation of GCG among others:
Duties and Responsibilities
Here are the duties and responsibilities of Audit Committee as
stated in the Audit Committee Charter that is approved by the
Board of Commissioners on July 26, 2012
• Audit Committee was established with the intention to
help and facilitate the Commissioners in implementing
duties and supervision function on matters related to
financial information, internal control system, effectiveness
of internal and external auditor examination, effectiveness
of risk management implementation, as well as compliance
on legislation in force.
• Audit Committee conducted monitoring and evaluation
on the implementation of Internal Audit Work Unit (SKAI),
suitability of audit implementation by Public Accountant
Firm with applicable audit standard, suitability of financial
• Komite Audit diketuai oleh Komisaris Independen. Dalam
hal Komisaris Independen yang menjadi anggota Komite
Audit lebih dari 1 (orang) orang, maka salah satunya
diangkat sebagai Ketua Komite Audit.
• Paling sedikit 51% dari jumlah anggota Komite Audit
adalah Komisaris Independen dan pihak independen.
Independensi Komite Audit telah memenuhi ketentuan Bank
Indonesia tentang pelaksanaan GCG antara lain:
No Nama / Name Kriteria / Criteria
1 Rusmin Tidak memiliki hubungan keuangan dengan anggota Dewan Komisaris,Direksi, dan/atau Pemegang Saham Pengendali atau hubungan dengan Bank, yang dapat mempengaruhi kemampuannya untuk bertindak Independen.
No financial relations with members of Board of Commissioners, Directors, and/ or Shareholders Controller, or relations with Bank, in possibility that his ability to act independent y could be compromised.
Tidak memiliki hubungan kepengurusan dengan anggota Dewan Komisaris, Direksi, dan/atau Pemegang Saham Pengendali atau hubungan dengan Bank, yang dapat mempengaruhi kemampuannya untuk bertindak independen.No financial relations with members of Board of Commissioners, Directors, and/ or Shareholders Controller, or relations with Bank, in possibility that his ability to act independent y could be compromised
Tidak memiliki hubungan kepemilikan saham dengan anggota Dewan Komisaris, Direksi,dan/atau Pemegang Saham Pengendali atau hubungan dengan Bank, yang dapat mempengaruhikemampuannya untuk bertindak independen.No financial relations with members of Board of Commissioners, Directors, and/ or Shareholders Controller, or relations with Bank, in possibility that his ability to act independent y could be compromised
Tidak memiliki hubungan keluarga dengan anggota Dewan Komisaris, Direksi, dan/atau Pemegang Saham Pengendali atau hubungan dengan Bank, yang dapat mempengaruhi kemampuannya untuk bertindak independen.
No financial relations with members of Board of Commissioners, Directors, and/ or Shareholders Controller, or relations with Bank, in possibility that his ability to act independent y could be compromised
2 Edwin Hidayat Abdullah
3 Agustinus Antonius
4 Ketut Sanjaya
Tugas dan Tanggung Jawab
Berikut tugas dan tanggung jawab Komite Audit sebagaimana
tertuang dalam Piagam Komite Audit yang disetujui oleh
Dewan Komisaris pada 26 Juli 2012.
• Komite Audit dibentuk dengan maksud untuk membantu
dan memfasilitasi Komisaris dalam menjalankan tugas
dan fungsi pengawasan terhadap hal-hal terkait dengan
informasi keuangan, sistem pengendalian internal,
efektivitas pemeriksaan auditor internal dan eksternal,
efektivitas pelaksanaan manajemen risiko, serta kepatuhan
terhadap peraturan perundang-undangan yang berlaku.
• Komite Audit melakukan pemantauan dan evaluasi
terhadap pelaksanaan tugas Satuan Kerja Audit Internal
(SKAI), kesesuaian pelaksanaan audit oleh Kantor Akuntan
Publik dengan standar audit yang berlaku, kesesuaian
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 343
statement with the applicable audit standard, and the
follow-up implementation by the Board of Directors
regarding the result of findings by SKAI, Public Accountant,
and supervision result of Bank Indonesia to provide
recommendation to the Board of Commissioners.
• Audit Committee has work code of conduct that binds.
Audit Committee is also obliged to provide recommendation
regarding appointment of Public Accountant and Public
Accountant Firm to be submitted in the GMS
Brief Report of the Implementation of Duties in the
Current Year
During 2014, Audit Committee has performed actions among
others:
1. Received audit report Mulyamin, Sensi, Suryanto, and
Lianny on the Financial Statement of Bank Sinarmas in 2013
2. Review and monitor the follow-up process on the result of
internal audit reports.
3. Discuss and provide recommendation on the selection of
Public Accountant Firm Mulyamin, Sensi, Suryanto & Lianny
to the Board of Commissioners to carry out audit on Bank’s
financial statement for the 2014 period.
4. Organize meetings with the Public Accountant Firm
Mulyamin, Sensi, Suryanto, and Lianny to discuss scope of
audit on the Financial Statement of Bank Sinarmas in fiscal
year 2014.
5. Receive and follow-up the audit result of Financial Services
Authority (d/h) Bank Indonesia.
6. Submit the result of monitoring and recommendation of
Audit Committee in form of Memorandum to the Board of
Commissioners.
7. Receive the summary of SKAI work plan for 2015
Frequency and Attendance Rate of Audit Committee
Meeting
Audit Committee periodically organized meeting which is led
by the chairman with intention to evaluate the implementation
of SKAI duties as well as the Board of Directors’ follow-up
action on the result of findings, both internal and external. This
is done in order to provide recommendation to the Board of
Commissioners. Meeting decision is made through consensus.
However, if there is no consensus, the decision is made based
by voting.
laporan keuangan dengan standar audit yang berlaku,
dan pelaksanaan tindak lanjut oleh Direksi mengenai hasil
temuan SKAI, Akuntan Publik, dan hasil pengawasan Bank
Indonesia guna memberikan rekomendasi kepada Dewan
Komisaris.
• Komite Audit memiliki tata tertib kerja yang bersifat
mengikat. Komite Audit juga wajib memberikan
rekomendasi mengenai penunjukkan Akuntan Publik dan
Kantor Akuntan Publik untuk disampaikan saat RUPS.
Laporan Singkat Pelaksanaan Tugas Tahun Berjalan
Selama periode 2014, Komite Audit telah melakukan tindakan-
tindakan antara lain:
1. Menerima laporan audit Mulyamin, Sensi, Suryanto, dan
Lianny atas Laporan Keuangan Bank Sinarmas tahun 2013.
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 2014.
4. Melakukan pertemuan dengan Kantor Akuntan Publik
Mulyamin, Sensi, Suryanto, dan Lianny untuk membahas
cakupan audit atas Laporan Keuangan Bank Sinarmas
tahun buku 2014.
5. Menerima dan menindaklanjuti hasil temuan regulator.
6. Menyampaikan hasil pemantauan dan rekomendasi
Komite Audit dalam bentuk Memorandum kepada Dewan
Komisaris.
7. Menerima rangkuman rencana kerja SKAI tahun 2015.
Frekuensi dan Tingkat Kehadiran Rapat Komite Audit
Komite Audit secara periodik melakukan rapat yang dipimpin
oleh ketua dengan tujuan untuk mengevaluasi pelaksanaan
tugas SKAI serta tindak lanjut Direksi terhadap hasil temuan
pemeriksa, baik internal maupun eksternal. Hal ini dilakukan
untuk memberikan rekomendasi kepada Dewan Komisaris.
Keputusan rapat diambil dengan jalan musyawarah mufakat.
Akan tetapi, jika tidak terjadi musyawarah mufakat, keputusan
diambil dengan suara terbanyak. Selama 2014, Komite Audit
telah melakukan rapat sebanyak 4 (empat) kali dengan
keterangan sebagai berikut:
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014344
Meeting Attendance
Information : *) Effective serve since June 19, 2014
Agenda of Audit Committee Meeting
RISK MONITORING COMMITTEERisk Monitoring Committee is established by referring to
the Regulation of Bank Indonesia No. 8/4/PBI/2006 on
the implementation of Good Corporate Governance for
Commercial Banks on January 30, 2006 which was amended to
Regulation of Bank Indonesia No. 8/14/PBI/2006 on October 5,
2006. Risk Monitoring Committee was established to support
the implementation of Board of Commissioners’ function in
supervising the effectiveness of risk management process
including identification process, measure, monitoring, and
risk control on the Bank. Up until now, the Risk Monitoring
Committee is coordinating with Risk Management Committee
and Risk Management Working Unit.
Kehadiran Rapat
No. Nama / Name Jabatan / PositionFrekuensi Kehadiran / Attendance Frequency
Persentase / Percentage
1 Rusmin* Ketua / Chairman 2/4 50%
2 Edwin Hidayat Abdullah Anggota / Member 3/4 75%
3 Agustinus Antonius Anggota / Member 4/4 100%
4 Ketut Sanjaya Anggota / Member 4/4 100%
Keterangan: *) Efektif menjabat sejak 19 Juni 2014
Agenda Rapat Komite Audit
Tanggal / Date Nomor Risalah Rapat Agenda Rapat / Meeting Agenda
7 Februari 2014 • Tindak Lanjut temuan BI
• Pemeriksaan SKAI
• Review berkala SKAI
• Review Berkala Bank Sinarmas
• Follow-up on BI findings
• SKAI Examination
• SKAI Periodic Review
• Bank Sinarmas Periodic Review
11 April 2014 • Tindak lanjut Rekomendasi
Dewan Komisaris
• Hasil pemeriksaan OJK
• Hasil Pemeriksaan SKAI triwulan
4 - 2013
• Hasil Pemeriksaan SKAI triwulan
1 - 2014
• Follow -up on the
Recommendation of the Board
of Commissioners
• Result of OJK Examination
• Result of SKAI Examination
quarter 4 - 2013
• Result of SKAI Examination
Quarter 1 - 2014
4 Juli 2014 Hasil Pemeriksaan SKAI triwulan 2 -
2014
Result of SKAI Examination quarter
2 - 2014
10 Oktober 2014 • Tindak lanjut meeting komite
audit
• Hasil Pemeriksaan SKAI triwulan
3 tahun - 2014
• Follow-up on the meeting of
Audit Committee
• Result of SKAI Examination
Quarter 3 - 2014
KOMITE PEMANTAU RISIKOKomite Pemantau Risiko dibentuk mengacu kepada Peraturan
Bank Indonesia Nomor 8/4/PBI/2006 tentang Pelaksanaan
Good Corporate Governance bagi Bank Umum pada 30
Januari 2006 yang diubah menjadi Peraturan Bank Indonesia
No. 8/14/PBI/2006 pada 5 Oktober 2006. 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. Hingga saat ini, Komite
Pemantau Risiko berkoordinasi dengan Komite Manajemen
Risiko dan Satuan Kerja Manajemen Risiko.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 345
Structure and Composition of the Risk Monitoring
Committee
Based on the Decree No. 016/2014/PRESDIR-CorSec&CorComm
dated July 3, 2014, the composition of Risk Monitoring
Committee is as follows:
Profile of the Risk Monitoring Committee
Sammy Kristamuljana - Chairman
Profile of the Audit Committee Chairman is already served in
Profile of the Board of Commissioners
Tjendrawati Widjaja - Member
Profile of the Audit Committee member is already served in
Profile of the Board of Commissioners
Edwin Hidayat Abdullah - Member
Profile of the Audit Committee member is already served in
Profile of the Audit Committee
Agustinus Antonius - Member
Profile of the Audit Committee member is already served in
Profile of the Audit Committee
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
Refer to the Provision of Bank Indonesia and Risk Monitoring
Committee Charter, namely:
• Member ot the Risk Monitoring Committee consists of:
A. Sammy Kristamuljana
B. Tjendrawati Widjaja
Struktur dan Susunan Komite Pemantau Risiko
Berdasarkan Surat Keputusan No. 016/2014/PRESDIR-
CorSec&CorComm tanggal 3 Juli 2014, susunan anggota
Komite Pemantau Risiko adalah sebagai berikut:
Nama / Name Posisi / Position Periode / Period Keahlian / Expertise
Sammy Kristamuljana Ketua / Chairman Juli 2014 - Sekarang / July 2014 - Now
• Ekonomi / Economy• Akuntansi / Accounting• Manajemen & Strategi Bisnis / -
Management & Business Strategy
Tjendrawati Widjaja Anggota / Member Juli 2014 - Sekarang / July 2014 - Now
• Ekonomi / Economy• Keuangan / Finance• Perbankan / Banking
Edwin Hidayat Abdullah Anggota / Member Juli 2014 - Sekarang / July 2014 - Now
• Ekonomi / Economy• Manajemen / Management• Perbankan / Banking
Agustinus Antonius Anggota / Member Juli 2014 - Sekarang / July 2014 - Now
• Manajemen / Management• Perbankan / Banking
Profil Komite Pemantau Risiko
Sammy Kristamuljana - Ketua
Profil Ketua Komite Audit sudah disajikan dalam profil Dewan
Komisaris.
Tjendrawati Widjaja - Anggota
Profil anggota Komite Audit ini sudah disajikan dalam profil
Dewan Komisaris.
Edwin Hidayat Abdullah - Anggota
Profil anggota Komite Audit ini sudah disajikan dalam profil
anggota Komite Audit.
Agustinus Antonius - Anggota
Profil anggota Komite Audit ini 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
Mengacu kepada Ketentuan Bank Indonesia dan Piagam
Komite Pemantau Risiko, yaitu:
• Anggota Komite Pemantau Risiko terdiri dari :
a. Sammy Kristamuljana
b. Tjendrawati Widjaja
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014346
C. Edwin Hidayat Abdullah
D. Agustinus Antonius
• Risk Monitoring Committee is chaired by Independent
Commissioner which is Sammy Kristamuljana
• There is no member of the Board of Directors who became
member of the Risk Monitoring Committee
• Concurrent position as the committee chairman maximum
at 1 (one) other committee. Other than serve as Chairman
of Risk Monitoring, Sammy Kristamuljana also served as
the Chairman of Good Corporate Governance Committee
(GCG).
Independency of Audit Committee has met the provision of
Bank Indonesia on the implementation of GCG among others:
Duties and Responsibilities
In implementing its function, the Risk Monitoring Committee is
in charge and responsible to :
• Carry out evaluation regarding the suitability between risk
management policy with the implementation of such policy.
• Carry out the monitoring and evaluation on the
implementation of duties of the Risk Management
Committee and Risk Management Working Unit (SKMR)
• Provide recommendation to the Board of Commissioners on
the result of risk management evaluation.
Brief Report of the Duty Implementation of Risk
Monitoring Committee
Risk Monitoring Committee’s work program is focused
to evaluate the consistency and adequacy between risk
c. Edwin Hidayat Abdullah
d. Agustinus Antonius
• Komite Pemantau Risiko diketuai oleh Komisaris Independen
yaitu Sammy Kristamuljana.
• Tidak terdapat anggota Direksi yang menjadi anggota
Komite Pemantau Risiko.
• Merangkap jabatan sebagai ketua komite paling banyak
pada 1 (satu) komite lainnya. Selain menjabat sebagai Ketua
Pemantau Risiko, Sammy Kristamuljana juga menjabat
sebagai Ketua Komite Good Corporate Governance (GCG).
Independensi Komite Audit telah memenuhi ketentuan Bank
Indonesia tentang pelaksanaan GCG antara lain:
No Nama / Name Kriteria / Criteria
1 Sammy Kristamuljana
Tidak memiliki hubungan keuangan dengan anggota Dewan Komisaris,Direksi, dan/atau Pemegang Saham Pengendali atau hubungan dengan Bank, yang dapat mempengaruhi kemampuannya untuk bertindak Independen.No financial relations with members of Board of Commissioners, Directors, and/ or Shareholders Controller, or relations with Bank, in possibility that his ability to act independent y could be compromised
Tidak memiliki hubungan keuangan dengan anggota Dewan Komisaris,Direksi, dan/atau Pemegang Saham Pengendali atau hubungan dengan Bank, yang dapat mempengaruhi kemampuannya untuk bertindak Independen.No financial relations with members of Board of Commissioners, Directors, and/ or Shareholders Controller, or relations with Bank, in possibility that his ability to act independent y could be compromised
Tidak memiliki hubungan keuangan dengan anggota Dewan Komisaris,Direksi, dan/atau Pemegang Saham Pengendali atau hubungan dengan Bank, yang dapat mempengaruhi kemampuannya untuk bertindak Independen.No financial relations with members of Board of Commissioners, Directors, and/ or Shareholders Controller, or relations with Bank, in possibility that his ability to act independent y could be compromised
Tidak memiliki hubungan keuangan dengan anggota Dewan Komisaris,Direksi, dan/atau Pemegang Saham Pengendali atau hubungan dengan Bank, yang dapat mempengaruhi kemampuannya untuk bertindak Independen.No financial relations with members of Board of Commissioners, Directors, and/ or Shareholders Controller, or relations with Bank, in possibility that his ability to act independent y could be compromised
2 Tjendrawati Widjaja
3 Edwin Hidayat Abdullah
4 Agustinus Antonius
Tugas dan Tanggung Jawab
Dalam melaksanakan fungsinya, Komite Pemantau Risiko
bertugas dan bertanggung jawab untuk :
• Melakukan evaluasi tentang kesesuaian antara kebijakan
manajemen risiko dengan pelaksanaan kebijakan tersebut.
• Melakukan pemantauan dan evaluasi pelaksanaan tugas
Komite Manajemen Risiko dan Satuan Kerja Manajemen
Risiko (SKMR).
• Memberikan rekomendasi kepada Dewan Komisaris atas
hasil evaluasi manajemen risiko.
Laporan Singkat Pelaksanaan Tugas Komite Pemantau
Risiko
Program kerja Komite Pemantau Risiko difokuskan untuk
mengevaluasi konsistensi dan kecukupan antara kebijakan
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 347
management policy and the implementation of such policy.
Result of evaluation and monitoring carried out will be submitted
in form of recommendation to the Board of Commissioners.
During 2014, the Risk Monitoring Committee has implemented
the following programs
1. Evaluation on :
a. Financial Statement 2014
b. Quarterly Financial Statement 2014
c. Compliance Report 2014
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 level as well as to
provide recommendation on parameters (Risk Profile, GCG,
Profitability, and Capital) which needs to be focused.
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 that are being faced by the bank
and to provide clear guidance, perform supervision and
mitigation actively as well as to develop risk management
culture in the entire work unit.
5. To discuss the anticipation of risk control in special matters,
among others are the development plan of office network
and the development of System Information Technology
(TSI)
6. Intensifies the communication with units in the Bank or
relevant outside parties in order to seek better and more
effective duties 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 Bank’s Business
plan, especially in facing the business environment that is
faced to global economy
9. Perform evaluation and provide inputs to the Board of
Commissioners on transaction or business activity which
potentially give rise to risk, in order to be used by the Board
of Commissioners as basis for decision-making.
manajemen risiko serta implementasi dari kebijakan tersebut.
Hasil dari evaluasi dan pemantauan yang dilakukan akan
disampaikan dalam bentuk rekomendasi kepada Dewan
Komisaris.
Selama periode 2014, Komite Pemantau Risiko telah
melaksanakan program sebagai berikut:
1. Melakukan evaluasi terhadap :
a. Laporan Keuangan 2014
b. Laporan Keuangan Kuartal 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 (Profil
Risiko, GCG, Rentabilitas, Permodalan) yang perlu menjadi
perhatian.
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.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014348
10. Provide input on the implementation of BASEL II, BASEL
III, and implementation of PSAK 50 and 55 as well as to
anticipate its impact on the Bank’s business activity, capital
adequacy and infrastructure readiness.
Recommendations provided to the Board of Commissioners In
connection with the implementation of such work program,
among others are:
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 for
loss by improving the effectiveness of Risk Management
Information System for market risk and liquidity.
4. Minimization of operational risk potential due to mistakes
conducted by officer (human error)
5. For the improvement of sustainable work quality, then the
needs of intensive discussion with regulator parties related
to the assessment of the Bank’s health level.
6. The Bank has to perform total improvement in realizing the
ideal Bank’s Health Level
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
Management.
9. The need for improvement of Risk Management
Implementation Quality aspect, especially for the parameter
value which rank needs to be improved.
10. The needs for study on each findings 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 organize 4 meetings that is led
by the chairman, and the entire result is based on consensus
and stated in writer letter to the minutes of meetings as well as
to be well-documented in order to provide recommendation to
the Board of Commissioners.
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.
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 Regulator serta
pemantauan atas tindak lanjut temuan Regulator.
Frekuensi dan Tingkat Kehadiran Rapat Komite Pemantau
Risiko
Komite Pemantau Risiko telah menyelenggarakan rapat
sebanyak 4 (empat) kali yang dipimpin oleh ketua komite 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.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 349
Meeting Attendance
Meeting Agenda of Risk Monitoring Committee
COMMITTEE OF REMUNERAION AND NOMINATIONCommittee of remuneration and nominatiion of Bank Sinarmas
is established with he purpose of supporting the implementation
of supervision function of Board of Commissioners related to
remuneration and nomination policies.
Structure and Composition of Committee of Remuneration
and Nomination
Based on Decree No. 017/2014/PRESDIR-Corsec&CorComm
dated July 3, 3014, the composition of Remuneraton and
Nominatio Committee members are as follows:
Kehadiran Rapat
No. Nama / Name Jabatan / PositionFrekuensi Kehadiran /Attendance Frequency
Persentase / Percentage
1 Sammy Kristamuljana Ketua / Chairman 3/4 75%
2 Tjendrawati Widjaja Anggota / Member 4/4 100%
3 Edwin Hidayat Abdullah Anggota / Member 2/4 50%
4 Agustinus Antonius Anggota / Member 2/4 50%
Agenda Rapat Komite Pemantau Risiko
Tanggal / Date Agenda Rapat / Meeting Agenda
22 Januari 2014January 22, 2014
Penilaian Tingkat Kesehatan Bank Semester II - 2013 Assessment on Health Level of Bank Semester II - 2013
17 April 2014April 17, 2014
Penilaian Profil Risiko Triwulan I - 2014 Assessment on Risk Profile Quarter I - 2014
21 Juli 2014July 21, 2014
Penilaian Tingkat Kesehatan Bank Semester I - 2014 dan Profil Risiko Triwulan II - 2014
Assessment on Health Level of Bank Semester I - 2014 and Risk Profile Quarter II - 2014
31 Oktober 2014October, 31 2014
Penilaian Risiko Triwulan III - 2014 Assessment on Risk Quarter III - 2014
KOMITE REMUNERASI DAN NOMINASI
Komite Remunerasi dan Nominasi Bank Sinarmas dibentuk
dengan tujuan untuk mendukung pelaksanaan fungsi
pengawasan Dewan Komisaris terkait kebijakan remunerasi
dan nominasi.
Struktur dan Susunan Komite Remunerasi dan Nominasi
Berdasarkan SK No. 017/2014/PRESDIR-Corsec&CorComm
tanggal 3 Juli 2014, susunan anggota Komite Remunerasi dan
Nominasi adalah sebagai berikut:
Nama / Name Posisi / Position Periode / Period Keahlian / Expertise
Rusmin Ketua / Chairman Juli 2014 - Sekarang / July 2014 - Now
• Perbankan / Banking• Ekonomi / Economic
Tjendrawati Widjaja Anggota / Member Juli 2014 - Sekarang / July 2014 - Now
• Ekonomi / Economic• Keuangan / Financial• Perbankan / Banking
Wahyu Zaenie Anggota / Member Juli 2014 - Sekarang / July 2014 - Now
• Human Capital Management/Personalia
• Hukum / Law
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014350
Profile of Committee of Remuneration and Nomination
Rusmin-Head
Profile of Head of Committee of Remuneration and Nomination
has been presented in profile of Board of Commissioners.
Tjendrawati Widjaja - Member
Profile of Committee of Remuneration and Nomination Member
has been presented in Board of Commissioner.
Wayu Zaenie - Member
Indonesian Citizen, age 55. Working in Bank Sinarmas
since 2006 and serving as Commiitee of Remuneration and
Nomination member since July 2012. Currently he serves as
Division Head Human Capital Recruitment & Adm. Support.
He achieved his bachelor of laws from University of Katolik
Parahyangan.
Composition of Committee of Risk Monitoring has been in
accordance with Bank Indonesia regulation regarding the
implementation of GCG and Commitee o Remuneration and
Nomination Charter.
Independency of Committee of Remuneration and
Nomination
Composition of Committee of Remuneration and Nomination
has been in line with Bank Indonesia regulation regarding the
implementation of GCG ad Committee of Remuneration and
Nomination Charter which generally are as follows:
• Committee of Remuneration and Nomination Members
consist of:
a. Rumin as Independent Commissioner
b. Tjendrawati Widjaja as Commissioner
c. Wahyu Zaeni as Excecutive Director in Human Capital
Management
• CommitteeofRemunerationandNominationisdirectedby
Independent Commissioner, Rusmin.
• No member from Board of Directors was assigned to
Remuneration and Nomination Committee
• Assigned as Head of the Committee to 1 (one) another
committee at maximum. Other than being assigned as
Head of Remuneration and Nomination Committee, Rusmin
was also assigned as Head of Audit Committee
• CommitteeofRemunerationandNominationMemberhold
integrity and good morality.
Composition of Remuneration and Nomination Committee has
fulfilled Bank Indonesia regulatio regarding the implementation
of GCG, such as:
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, 55 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 & Adm.
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
Keanggotaan Komite Remunerasi dan Nominasi telah sesuai
dengan ketentuan Bank Indonesia mengenai pelaksanaan GCG
dan Piagam Komite Remunerasi dan Nominasi yang secara
garis besar, yaitu:
• Anggota Komite Remunerasi dan Nominasi terdiri dari:
a. Rusmin sebagai Komisaris Independen
b. Tjendrawati Widjaja sebagai Komisaris.
c. Wahyu Zaeni sebagai Pejabat Eksekutif di bidang
Human Capital Management.
• Komite Remunerasi dan Nominasi diketuai oleh Komisaris
Independen yaitu Rusmin.
• Tidak terdapat anggota Direksi yang menjadi Komite
Remunerasi dan Nominasi.
• Merangkap jabatan sebagai ketua komite paling banyak
pada 1 (satu) komite lainnya. Selain menjabat sebagai Ketua
Komite Remunerasi dan Nominasi, Rusmin juga menjabat
sebagai Ketua Komite Audit.
• Anggota Komite Remunerasi dan Nominasi memiliki
integritas, akhlak, dan moral yang baik.
Keanggotaan Komite Remunerasi dan Nominasi telah sesuai
dengan ketentuan Bank Indonesia mengenai pelaksanaan
GCG, yaitu :
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 351
Duties and Responsibility
Duties and responsibilities of Commitee of Remuneration and
Nomination are as follows:
Besides that, Committee of Remuneration and Nomination
ensures that the policy at least suited to:
• Financialperformanceandfulfillmentofcompanyreserves
as regulated in laws and regulations;
No Nama / Name Kriteria / Criteria
1 Rusmin Tidak memiliki hubungan keuangan dengan anggota Dewan Komisaris,Direksi, dan/atau Pemegang Saham Pengendali atau hubungan dengan Bank, yang dapat mempengaruhi kemampuannya untuk bertindak Independen.No financial relations with members of Board of Commissioners, Directors, and/ or Shareholders Controller, or relations with Bank, that can influence his ability to act independently.
Tidak memiliki hubungan keuangan dengan anggota Dewan Komisaris,Direksi, dan/atau Pemegang Saham Pengendali atau hubungan dengan Bank, yang dapat mempengaruhi kemampuannya untuk bertindak Independen.No financial relations with members of Board of Commissioners, Directors, and/ or Shareholders Controller, or relations with Bank, that can influence his ability to act independently.
Tidak memiliki hubungan keuangan dengan anggota Dewan Komisaris,Direksi, dan/atau Pemegang Saham Pengendali atau hubungan dengan Bank, yang dapat mempengaruhi kemampuannya untuk bertindak Independen.No financial relations with members of Board of Commissioners, Directors, and/ or Shareholders Controller, or relations with Bank, that can influence his ability to act independently.
Tidak memiliki hubungan keuangan dengan anggota Dewan Komisaris,Direksi, dan/atau Pemegang Saham Pengendali atau hubungan dengan Bank, yang dapat mempengaruhi kemampuannya untuk bertindak Independen.No financial relations with members of Board of Commissioners, Directors, and/ or Shareholders Controller, or relations with Bank, that can influence his ability to act independently.
2 Tjendrawati Widjaja
3 Wahyu Zaenie
Tugas dan Tanggung Jawab
Berikut kebijakan Komite Remunerasi dan Nominasi sebagai
tugas dan tanggung jawabnya:
Kebijakan Remunerasi / Remuneration Policy Kebijakan Nominasi / Nomination Policy
Melakukan evaluasi terhadap kebijakan remunerasi.
Conducting evaluations upon remuneration policies;
Menyusun dan memberikan rekomendasi mengenai sistem serta prosedur pemilihan dan/atau penggantian anggota Dewan Komisaris dan Direksi kepada Dewan Komisaris untuk disampaikan kepada RUPS.Composing and giving recommendations regarding the system and election procedures and/or the replacement of Board of Commissioners and Directors’ member to Board of Commissioer to be reported at the General Meeting of Shareholders;
Memberikan rekomendasi kepada Dewan Komisaris mengenai:• Kebijakan remunerasi bagi Dewan Komisaris dan Direksi untuk
disampaikan kepada RUPS.• Kebijakan remunerasi bagi pejabat eksekutif dan pegawai secara
keseluruhan untuk disampaikan kepada Direksi.
Giving recommendations to Board of Commissioners regarding:• Remuneration policy for Board of Commissioners and Directors to be
reported at the General Meeting of Shareholders;• Remuneration policy for executive manager and overall employees to
be reported to Board of Directors
Memberikan rekomendasi mengenai calon anggota Dewan Komisaris dan/atau Direksi kepada Dewan Komisaris untuk disampaikan kepada RUPS.Give recommendations regarding member candidates of Board of Commissioners and/or Directors to Board of Commissioners to be reported at the General Meeting of Shareholders;
Memberikan rekomendasi mengenai pihak independen yang akan menjadi anggota komite sebagaimana dimaksud dalam PBI mengenai GCG.Give recommendations regarding independent parties who will be assigned as committee members as stated in PBI about GCG.
Selain itu, Komite Remunerasi dan Nominasi memastikan
bahwa kebijakan paling kurang sesuai dengan hal-hal sebagai
berikut:
• Kinerja keuangan dan pemenuhan cadangan perusahaan
sebagaimana diatur dalam peraturan perundang-undangan
yang berlaku.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014352
• Individualworkingachievements;
• Fairnesswithpeergroup;
• Considerationofthebank’sgoalsandlong-termstrategy
Brief Report of Duties Implementation of Remuneration
and Nomination Committee
Throughout 2014, Committee of Remuneration and
Nomination Committe had conducted several activties and
gave recommendations to Board of Commissioner, such as:
1. Action plan of Human Capital Recruitment & Admin
Support in 2014.
2. Implementation of BJPJS health program for all Bank
Sinarmas’ employees.
3. The changes of Committee of Remuneratio and Nomination
members.
4. Employee recruitment had been conducted in accordance
with Man Power Planning in RBB year 2014.
5. Review of organization structure of working unit that has
not fulfilled ideal criteria.
6. Nomination of Director members of Bank Sinarmas.
Activity of Committe of Remuneration and Nomination
Throughout 2014, Committee of Remuneration and Nomination
held 4 (four) times meeting conducted n every quarter. The
discussions in the meetig are as follows:
a. Remuneration Function
1. Reviewing and evaluatng remuneration of Board of
Commissioner and Directors year 2014
2. Implementing of Provincial Minimum Wage
3. Reviewing periodic increase year 2014 and annual
bonuses
4. Reviewing the change of employees group structure
5. Reviewing the change of outsourcing employee wage
components, that previously consist of basic salary, now
is changed into two components, which are basic salary
and special allowance for group A.
b. Nomination Fuction
1. Reviewing re-appointment of Board of Director and
Commissioner composition as well as the change of
Committee members.
2. Reviewing plan of future Board of Director appointment.
3. Reviewing new Independent Commissioner
appointment.
• Prestasi kerja individual.
• Kewajaran dengan peer group.
• Pertimbangan sasaran dan strategi jangka panjang Bank.
Laporan Singkat Pelaksanaan Tugas Komite Remunerasi
dan Nominasi
Selama 2014, 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 2014
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 2014.
5. Kajian terhadap struktur organisasi unit kerja yang dirasa
belum memenuhi kriteria ideal.
6. Pencalonan calon Anggota Direksi Bank Sinarmas.
Aktivitas Komite Remunerasi dan Nominasn
Sepanjang tahun 2014, Komite Remunerasi dan Nominasi
telah menyelenggarakan pertemuan sebanyak 4 (empat) 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 2014
2. Penerapan Upah Minimum Propinsi
3. Melakukan kajian terhadap Kenaikan Berkala tahun
2014 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 BOD &
BOC serta perubahan anggota Komite.
2. Mengkaji rencana penunjukkan BOD yang akan datang.
3. Mengkaji penunjukan anggota Komisaris Independen
yang baru.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 353
4. Reviewing composition of Board of Commissioner and
Director.
5. Reviewing organization structure of working unit that
has not been ideal
6. Reviewing the plan of Human Resource meeting 2014
that is in line with Man Power Planning (MPP) in RBB
2014.
Meeting Frequency and Attncance List of Committee of
Remuneration and Nomination
Committe of Remuneration and Nomination held 5 (five)
times meetings chaired by Head of Committee and its result
was determined based on consensus agreement written in
the minutes of meeting and well documented in order to give
recommendations to Board of Commissioner.
Meeting Attendance
Description : *) Effective since June 19, 2014
Meeting Agenda of Committee of Remuneration and
Nomination
4. Mengkaji komposisi BOC dan BOD
5. Melakukan kajian terhadapstruktur organisasi unit kerja
yang dipandangmasih belum ideal
6. Mengkaji rencana pemenuhan SDM 2014 sesuai
dengan Man Power Planning (MPP) dalam RBB 2014.
Frekuensi dan Tingkat Kehadiran Rapat Komite
Remunerasi dan Nominasi
Komite Remunerasi dan Nominasi telah menyelenggarakan
rapat sebanyak 5 (lima) 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.
Kehadiran Rapat
No. Nama / Name Jabatan / PositionFrekuensi Kehadiran /
Attendance Frequency
Persentase /
Percentage
1 Rusmin* Ketua / Head 2/5 40%
2 Tjendrawati Widjaja Anggota / Member 4/5 80%
3 Wahyu Zaenie Anggota / Member 5/5 100%
Keterangan : *) Efektif menjabat sejak 19 Juni 2014
Agenda Rapat Komite Remunerasi dan Nominasi
Tanggal / Date Agenda Rapat / Meeting Agenda
24 Januari 2014 / January 24, 2014 • Action Plan Human Capital
Recruitment & Admin Support -
2014
• BPJS Kesehatan
• Action Plan Human Capital Recruitment
& Admin Support - 2014
• Health BPJS
11 Februari 2014 / February 11, 2014 Calon Komisaris Independen Nomination of Independent Commissioner
11 April 2014 / April 11, 2014 Program Kerja HCM, Admin & Support:
Personel service, Recruitment, Industrial
Relation, Benefit & Admin.
Working program of HCM, Admin &
Support: Personel service, Recruitment,
Industrial Relation, Benefit & Admin.
3 Juli2014 / July 3, 2014 • PencalonanSoejantoSoetjijo
sebagai Direktur Bank Sinarmas
• PerubahansusunananggotaKRN
• TindaklanjutkeputusanrapatKRN
• LaporanHCM
• Nomination of Soejanto Soetjijo as
Director of Bank Sinarmas
• The changes of KRN members
compositions
• Following-up result of KRN meeting
• HCM report
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014354
KOMITE GOOD CORPORATE GOVERNANCE (GCG)Committee of GCG is assigned to assist the Board of
Commissioners in monitoring the corporate governance.
Structure and Composition of Committee of Remuneration
and Nomination
Composition of Committee of GCG members based on Decree
No.043/2013/PRESDIR-Corsec&Corcomm dated October 9,
2013 are as follows:
Tanggal / Date Agenda Rapat / Meeting Agenda
6 Oktober 2014 / October 6, 2014 • PencalonanFrenkyTirtowijoyoSusilo
sebagai Direktur Bank Sinarmas
• PenyempurnaankebijakanKRN
• TindaklanjutkeputusanRapatKRN
• Perubahanstrukturkaryawan
• Nomination of Frenky T. Susilo as
Director of Bank Sinarmas
• Enhancement of KRN policies
• Following-up result of KRN meeting
• The changes of employees structure
KOMITE GOOD CORPORATE GOVERNANCE (GCG)Komite GCG dibentuk guna membantu Dewan Komisaris
dalam melakukan pengawasan tentang tata kelola perusahaan.
Struktur dan Susunan Komite Remunerasi dan Nominasi
Susunan anggota Komite GCG berdasarkan Surat Keputusan
No.043/2013/PRESDIR-CorSec&Corcomm tanggal 9 Oktober
2013 adalah sebagai berikut:
Nama Posisi Periode Keahlian
Sammy Kristamuljana Ketua / HeadAgustus 2012 - sekarang /
August 2012 - now
• Ekonomi / Economic
• Akuntansi / Accountant
• Manajemen & Strategi Bisnis
/ Management & Business
Strategy
Salis Teguh Hartono Wakil Ketua / Vice HeadDesember 2012 - sekarang /
December 2012 - now
• Ekonomi / Economic
• Akuntansi / Accountant
• Manajemen / Management
Hanafi Himawan Anggota / MemberAgustus 2012 - sekarang /
August 2012 - now
• Ekonomi / Economic
• Akuntansi / Accountant
Purwanto Anggota / MemberOktober 2013 - sekarang /
October 2013 - nowHukum / Law
Harri Setiabudi Anggota / MemberAgustus 2012 - sekarang /
August 2012 - now
• Ekonomi / Economic
• Manajemen / Management
Ketut Sanjaya Anggota / MemberAgustus 2012 - sekarang /
August 2012 - nowPerbankan / Banking
Rara Ajeng Pambudi Anggota / Member
Agustus 2012 - Agustus
2014 / August 2012 - August
2014
• Komunikasi / Communication
• Manajemen Governance /
Management Governance
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 355
Profile of Committee of GCG
Sammy Kristamuljana - Head
Profile of Head Committee of GCG has been presented in
profile of Board of Commissioner.
Hanafi Himawan - Member
Profile of Commitee of GCG member has been presented in
profile of Director.
Salis Teguh Hartono - Member
Profile of Commitee of GCG member has been presented in
profile of Director.
Purwanto - Member
Indonesian Citizen, age 48. Working in Bank Sinarmas since
1995. Achieving Bachelor of Laws from University of Brawijaya
in 1989. Starting his career as notary assistent in Notary Office
of Triphosa Lili Ekadewi.
Harri Setiabudi - Member
Indonesian Citizen, age 47. Working in Bank Sinarmas since
1997. Achieving Bachelor of Economics from University of
Pancasila. Starting his career in BDNI (Bank Dagang Nasional
Indonesia).
Ketut Sanjaya - Member
Profile of Commitee of GCG member has been presented in
profile of Audit Committee.
Rara Ajeng Pambudi
Indonesian Citizen, age 26. Working in Bank Sinarmas since
2011. Achieving Bachelor of Communication from University
of Atmajaya and Magister of Management from University of
Trisakti.
Composition of GCG Committee has been in accordance with
regulation of GCG Committee Charter.
Independency of GCG Committe
Independency of GCG Committee has been in accrodance with
regulation of Bank Indonesia regarding the implementation of
GCG and GCG Committee Charter, such as:
Profil Komite GCG
Sammy Kristamuljana - Ketua
Profil Ketua Komite GCG sudah disajikan dalam profil Dewan
Komisaris.
Hanafi Himawan - Anggota
Profil anggota Komite GCG ini sudah disajikan dalam profil
Direksi.
Salis Teguh Hartono - Anggota
Profil anggota Komite GCG ini sudah disajikan dalam profil
Direksi.
Purwanto - Anggota
Warga Negara Indonesia, 48 tahun. Bergabung dengan Bank
Sinarmas sejak 1995. Memperoleh gelar Sarjana Hukum dari
Universitas Brawijaya pada tahun 1989. Mengawali karir
sebagai asisten notaris di Kantor Notaris Triphosa Lili Ekadewi.
Harri Setiabudi - Anggota
Warga Negara Indonesia, 47 tahun. Bergabung dengan Bank
Sinarmas sejak 1997. Memperoleh gelar Sarjana Ekonomi dari
Universitas Pancasila. Mengawali karir di BDNI (Bank Dagang
Nasional Indonesia).
Ketut Sanjaya - Anggota
Profil anggota Komite GCG ini sudah disajikan dalam profil
anggota Komite Audit.
Rara Ajeng Pambudi - Anggota
Warga Negara Indonesia, 26 tahun. Bergabung dengan Bank
2011. Memperoleh gelar Sarjana Komunikasi di Universitas
Atmajaya dan Magister Manejemen di Universitas Trisakti.
Keanggotaan Komite GCG telah sesuai dengan yang
disyaratkan oleh Piagam Komite GCG.
Independensi Komite GCG
Independensi Komite GCG telah memenuhi ketentuan Bank
Indonesia tentang pelaksanaan GCG dan Piagam Komite GCG
antara lain:
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014356
Duties and Responsibilities
The duties and responsibilities of GCG Committee include but
are not limited to:
1. Provide opinions needed for the Board of Commissioners in
maintaining and/or improving GCG implementation quality.
2.
3. Monitoring 5 (five) implementation of GCG basic principles
in every Bank’s business activities.
4. Provide opinions to GCG implementation revised report
making for internal and external purpose.
5. Provide opinions to GCG implementation revised report
making in a form of action plan, if the evaluation from
Bank Indonesia is considered to be unsuitable to the real
condition of Bank.
6. Provide opinions to the investigation result of Bank
Indonesia regarding to the findings of GCG field.
Brief Report of Duties Implementation of GCG Committe
Throughout 2014, GCG Committee had conducted several
activities and gave recommendations to Board of Commissioners
related to repor of GCG implementation, such as:
1. Evaluating report of GCG implementation year 2013.
2. Draft of GCG guideline and GCG self assessment.
3. Self Assessment is conducted based on 11 (eleven) factors of
GCG implementation assessment that reflect 3 governance
aspects (governance structure, governance process, and
governance outome).
No Nama Name Kriteria / Criteria
1 Sammy KristamuljanaTidak memiliki hubungan keuangan dengan anggota Dewan Komisaris,Direksi, dan/atau Pemegang Saham Pengendali atau hubungan dengan Bank, yang dapat mempengaruhi kemampuannya untuk bertindak Independen. / No financial relations with members of Board of Commissioners, Directors, and/or Shareholders Controller, or relations with Bank, that can influence his ability to act independently.
Tidak memiliki hubungan kepengurusan dengan anggota Dewan Komisaris, Direksi, dan/atau Pemegang Saham Pengendali atau hubungan dengan Bank, yang dapat mempengaruhi kemampuannya untuk bertindak independen. / No organizational relations with members of Board of Commissioners, Directors, and/or Shareholders Controller, or relations with Bank, that can influence his ability to act independently.
Tidak memiliki hubungan kepemilikan saham dengan anggota Dewan Komisaris, Direksi, dan/atau Pemegang Saham Pengendali atau hubungan dengan Bank, yang dapat mempengaruhikemampuannya untuk bertindak independen. / No shares relations with members of Board of Commissioners, Directors, and/or Shareholders Controller, or relations with Bank, that can influence his ability to act independently.
Tidak memiliki hubungan keluarga dengan anggota Dewan Komisaris, Direksi, dan/atau Pemegang Saham Pengendali atau hubungan dengan Bank, yang dapat mempengaruhi kemampuannya untuk bertindak independen./ No family ties with members of Board of Commissioners, Directors, and/or Shareholders Controller, or relations with Bank, that can influence his ability to act independently.
2 Salis Teguh Hartono
3 Hanafi Himawan
4 Purwanto
5 Harri Setiabudi
6 Ketut Sanjaya
7 Rara Ajeng Pambudi
Tugas dan Tanggung Jawab
Tugas dan tanggung jawab Komite GCG meliputi namun tidak
terbatas pada:
1. Memberi masukan yang diperlukan Dewan Komisari dalam
memelihara dan/atau meningkatkan kualitas pelaksanaan
GCG.
2. Memantau penerapan 5 (lima) prinsip-prinsip dasar GCG
dalam setiap kegiatan usaha Bank.
3. Memberi masukan dalam pembuatan laporan pelaksanaan
GCG baik untuk internal maupun eksternal.
4. Memberi masukan dalam pembuatan revisi laporan
pelaksanaan GCG berupa rencana tindak (action plan)
apabila berdasarkan hasil evaluasi Bank Indonesia dianggap
tidak sesuai dengan kondisi Bank yang sebenarnya.
5. Memberi masukan terhadap hasil pemeriksaan Bank
Indonesia berupa temuan-temuan di bidang GCG.
Laporan Singkat Pelaksanaan Tugas Komite GCG
Selama 2014, Komite GCG telah melakukan kegiatan serta
memberikan rekomendasi-rekomendasi kepada Dewan
Komisaris terkait laporan pelaksanaan GCG, antara lain:
1. Evaluasi laporan pelaksanaan GCG tahun 2014.
2. Rancangan pedoman GCG dan GCG self assessment.
3. Self Assessment dilakukan berdasarkan pada 11 faktor
penilaian pelaksanaan GCG serta mencerminkan 3 aspek
governance (governance structure, governance process,
dan governance outcome).
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 357
4. Coordinating with Public Accountant Firm to represent
and response performance of Bank Sinarmas Financial
Statement quarterly in Directors’ meeting/Directors and
Board of Commissioners meeting.
Frequency and Attendance List of GCG Commitee Meeting
GCG Committee meeting have held 4 (four) meetings chaired
by the Head of Committee in which the decision made by
consensus agreement and written-transformed in Minutes of
Meeting, and well-documented to provide recommendations
to Board of Commissioners
Meeting Attendance
Description: *) Working as GCG Committee since February 2015
Meeting Agenda of GCG Commitee
4. Melakukan koordinasi dengan Kantor Akuntan Publik
untuk mempresentasikan dan memberikan tanggapan atas
kinerja laporan keuangan Bank Sinarmas secara triwulan
dalam rapat direksi/rapat Direksi dengan Dewan Komisaris.
Frekuensi dan Tingkat Kehadiran Rapat Komite GCG
Komite GCG 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.
Kehadiran Rapat
No. Nama Jabatan Frekuensi Kehadiran Persentase
1 Sammy Kristamuljana Ketua / Head 4/4 100%
2 Hanafi Himawan Anggota / Member 4/4 100%
3 Salis Teguh Hartono Anggota / Member 4/4 100%
4 Purwanto Anggota / Member 4/4 100%
5 Harri Setiabudi Anggota / Member 4/4 100%
6 Ketut Sanjaya Anggota / Member 4/4 100%
7 Rara Ajeng Pambudi* Anggota / Member 0/0 -
Keterangan: *) bergabung dengan Komite GCG sejak Februari 2015
Agenda Rapat Komite GCG
Tanggal / Date Agenda Rapat / Meeting Agenda
10 Januari 2014 / January 10, 2014 • Laporan pertanggungjawaban Komite GCG tahun 2013 / Accountability
report of GCG Committee year 2013
• Rencana Kerja Komite GCG tahun 2014 / Working Plan of GCG Committee
year 2014
5 Februari 2014 / February 5, 2014 Hasil audit internal tahun 2013 / Result of internal audit year 2013
21 Maret 2014 Tata kelola perusahaan / Corporate Governance
4 April 2014 Evaluasi laporan pelaksanaan GCG tahun 2013 / Report evaluation of GCG
implementation year 2013
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014358
COMMITTEES UNDER BOARD OF DIRECTORS
ASSET & LIABILITY MANAGEMENT COMMITTEE (ALCO)ALCO is a committee under Board of Directors with mission of
achieving 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:
• Determining deposits interest rate, saving, and giro.
• Determining loan interest rate.
• Determining investment and funding strategy.
• Determining hedging strategy if needed.
• Determining the related limit towards liquidity risk, interest
rate risk, and foreign exchange risk according to the overall
risk taken policies.
Committee authorities belong to the lgal Committee Meeting
and hold an absolute authority on the responsibilities of Board
of Directors. Committee owns authorities to take strategic
decisions in 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.
• Determiningtherelatedlimittowardsliquidityrisk,
interest rate risk, and foreign exchange risk according to the
overall risk taken policies.
KOMITE-KOMITE DI BAWAH DIREKSI
KOMITE-KOMITE DI BAWAH DEWAN DIREKSI / COMMITTEES UNDER THE
DIRECTORS
ASSET & LIABILITY MANAGEMENT
COMMITTEE (ALCO) / ASSET & LIABILITY
MANAGEMENT COMMITTEE (ALCO)
KOMITE INFORMATION TECHNOLOGY / INFORMATION
TECHNOLOGY COMMITTEE
KOMITE KREDIT / CREDIT
COMMITTEE
KOMITE MANAJEMEN RISIKO / RISK
MANAGEMENT COMMITTEE
KOMITE HUMAN CAPITAL
MANAGEMENT (HCM) / HUMAN CAPITAL
MANAGEMENT (HCM) COMMITTEE
ASSET & LIABILITY MANAGEMENT COMMITTEE (ALCO)ALCO adalah 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:
• Menetapkan suku bunga deposito, tabungan, dan giro.
• Menetapkan suku bunga pinjaman.
• Menetapkan strategis pendanaan dan investasi.
• Menetapkan strategi hedging apabila dipandang perlu
melakukan hedging.
• Menetapkan limit yang berkaitan dengan risiko likuiditas,
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:
• Menetapkan suku bunga deposito, tabungan, dan giro.
• Menetapkan suku bunga pinjaman.
• Menetapkan strategi pendanaan dan investasi.
• Menetapkan strategi hedging apabila dipandang perlu
melakukan hedging.
• Menetapkan limit yang berkaitan dengan risiko likuiditas,
risiko suku bunga, dan risiko valuta asing sesuai kebijakan
pengambilan risiko secarakeseluruhan
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 359
In 2014, ALCO held 4 (four) meetings chaired by the Head
of Committee in which the decision made by consensus
agreement and written-transformed in Minutes of Meeting,
and well-documented to provide recommendations to the
Directors.
ALCO Meeting Agenda
COMPANY’S CREDIT COMMITTEEBased 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
Selama 2014, 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.
Agenda Rapat ALCO
Tanggal / Date Agenda Rapat / Meeting Agenda
23 Januari 2014 / January 23, 2014Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook.
24 Februari 2014 / February 24, 2014Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook.
27 Maret 2014 / March 27, 2014Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook./ Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook.
23 April 2014 / April 23, 2014Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook.
21 Mei 2014 / May 21, 2014Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook.
18 Juni 2014 / June 18, 2014Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook.
22 Juli 2014 / July 22, 2014Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook.
26 Agustus 2014 / August 26, 2014Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook.
19 September 2014 / September 19, 2014Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook.
22 Oktober 2014 / October 22, 2014Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook.
19 November 2014 / November 19, 2014Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook.
Desember 2014 / December 2014Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate outlook.
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,tunaidannon-tunai
• Money Market Line
• ForexLine
• BacktoBack
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014360
During 2014, Credit Committee did not hold meeting in person,
but decision-making is conducted circularly.
INFORMATION TECHNOLOGY COMMITTEEThe committee is established to ensure the information
technology system implementation is in line with Company’s
strategies. Information technology committee is designated
to improve the excellency of Company’s competitiveness
through accurate information technology utilization. Based
on Decree SK No.036/2013/PRESDIR-IT on September 2,
2013, the duties and responsibilities of IT Committee, are
as follows:
• Monitorng, analyzing and evaluating continuously the
developments of information technology systems and
minimizing the risk of the bank investment in Information
Technology sector.
• Strategically evaluating aspects of the implementation
of the Bank IT systems including monitoring, assessing,
improving its operational performance.
• Takingnecessarystepsfordevelopment,improvementand
policies as well as making decisions related to information
technology systems.
• Evaluating and approving procurements of software and
hardware
• Undertakingeffective,efficientandtimelyeffortstoresolve
various issues related to information technology, which
cannot be resolved by users and providers
In 2014, IT Committee held 5 (five) meetings chaired by the
Head of Committee in which the decision made by consensus
agreement and written-transformed in Minutes of Meeting,
and well-documented to provide recommendations to the
Directors.
IT Comittee Meeting Agenda
Selama 2014, Komite kredit tidak menyelengarakan rapat
secara fisik, namun seluruh pengambilan keputusan dilakukan
secara sirkuler.
KOMITE INFORMATION TECHNOLOGYKomite ini dibentuk untuk memastikan penerapan sistem
teknologi informasi sinergi dengan strategi Perseroan. Komite IT
bertujuan untuk meningkatkan keunggulan bersaing Perseroan
melalui pemanfaatan teknologi informasi yang tepat guna.
Berdasarkan SK No. 036/2013/PRESDIR-IT tanggal 2 September
2013, tugas dan tanggung jawab Komite IT antara lain:
• Memantau, mempelajari, dan mengevaluasi secara terus
menerus perkembangan teknologi sistem informasi dan
meminimalkan risiko atas investasi Perseroan pada sektor
teknologi informasi.
• Secara strategis mengevaluasi aspek penyelenggaraan
teknologi sistem informasi Perseroan termasuk pemantauan,
penilaian, peningkatan terhadap kinerja operasionalnya.
• Mengambil langkah-langkah yang dianggap perlu untuk
pengembangan, perbaikan, dan kebijakan serta mengambil
keputusan-keputusan yang berkaitan dengan teknologi
sistem informasi.
• Melakukan evaluasi dan menyetujui pengadaan perangkat
lunak dan perangkat keras.
• Melakukan upaya penyelesaian berbagai masalah terkait
teknologi informasi, yang tidak dapat diselesaikan oleh
satuan kerja pengguna dan penyelenggara, secara efektif,
efisien, dan tepat waktu.
Selama 2014, Komite IT 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 Direksi.
Agenda Rapat Komite IT
Tanggal / Date Agenda Rapat / Meeting Agenda
30 April 2014 / April 30, 2014 • ITStrategic Plan• Network Issue • Server&StorageCapacityUsage
14 Mei 2014 / May 14, 2014 • PresentasiITStrategicPlan2014-2018/Presentation of IT Strategic Plan 2014-2018• PresentasiPenawaranPendampinganPMO&ITGovernance Project / Presentation of
Appointment Offering of PMO &IT Governance Project• CapacityPlanning
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 361
RISK MANAGEMENT COMMITTEERisk Management Committee is a committee in position on
executive level, responsible to conduct evaluation towards 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 is to provide recommendations to President Director
related to Risk Management at least including:
• Formation of Risk Management policy and its changes,
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.
The formation is purposed to be conducted altogether with
operational work unit leaders and SKMR leaders.
• Completion of the Risk Management process periodically
and incidental as a result of a change in the Bank external
and internal conditions affecting the Bank’s capital
adequacy, risk profile, and evaluation result upon the
affectivity of the application.
• Determination of policies and/or business decisions deviating
from normal procedures (irregularities), such as decision
that exceeds significant business expansion compared to
business plan determined previously or position/exposure-
making that exceeds the determined limitation.
In 2014, Risk Management Committee held 4 (four) meetings
chaired by the Head of Committee in which the decision made
by consensus agreement and written-transformed in Minutes of
Tanggal / Date Agenda Rapat / Meeting Agenda
12 Juni 2014 / June 12, 2014 • ProjectCardSwitchingReplacement• PresentasiEnterprise Datawarehouse & Business Intelligance / Presentation of
Enterprise Datawarehouse & Business Intelligance
27 Agustus 2014 / August 27, 2014 • ProgressCapacityPlanning• ProjectEnterpriseDatawarehouse&BusinessIntelligance• WaktuPelaksanaanProsesCOB/TimeofCOBProcess
19 November 2014 / November 19, 2014
• EDW/BI• RealtimeTransactionDate• Testing DRP (Switchover DC-DRC)
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:
• Penyusunan kebijakan manajemen risiko serta
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).
• Perbaikan atau penyempurnaan penerapan manajemen
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.
• 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 2014, Komite Manajemen Risiko telah menyelenggarakan
rapat sebanyak 4 (emapat) kali yang dipimpin oleh ketua yang
seluruh hasil rapatnya diputuskan berdasarkan musyawarah
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014362
Meeting, and well-documented to provide recommendations
to the Directors.
Risk Management Committee Meeting Agenda
HUMAN CAPITAL MANAGEMENT COMMITTEE (HCM)The foundation of HCM Committee establishment is based on
Directors Decree 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 equal
position to Head Department and above.
During 2014, HCM Committee did not hold meetings in person,
but decision-making was conducted circularly.
mufakat dan dituangkan secara tertulis ke dalam risalah
rapat serta didokumentasikan dengan baik guna memberikan
rekomendasi kepada Direksi.
Agenda Rapat Komite Manajemen Risiko
Tanggal Agenda Rapat
21 Januari 2014 / January 21, 2014 • PenilaianProfilRisikoTriwulanIV/2013/ Assessment of Risk Profile Quarter IV/2013
17 April 2014 / April 17, 2014 • PenilaianProfilRisikoTriwulanI/2014/Assessment of Risk Profile Quarter I/2014
21 Juli 2014 / July 21, 2014 • PenilaianTingkatKesehatanBankSemesterI/20/Assessment of Bank Health Level Semester I/20
• 14sertaProfilRisikoTriwulanII/2014/14 serta Profil Risiko Triwulan II/2014
20 Oktober 2014 / October 20, 2014
• Penilaian Profil Risiko Triwulan III/2014 / Assessment of Risk Profile Quarter III/2014
KOMITE HUMAN CAPITAL MANAGEMENT (HCM)Dasar pembentukan Komite Human Capital Management
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 setara Departement Head atau jabatan yang
lebih tinggi.
Selama 2014, Komite HCM tidak menyelenggarakan rapat
secara fisik namun seluruh pengambilan keputusan dilakukan
secara sirkuler.
Operational Risk Audit & Special Case
Department Head
Operation Risk Audit & Special
Case Section Head
Head Office Auditor
Head Office Auditor
BranchAuditor
BranchAuditor
BranchAuditor
BranchAuditor
BranchAuditor
BranchAuditor
Branches CoordinatorSection Head (Regional 1)
Branches CoordinatorSection Head (Regional 4)
Branches CoordinatorSection Head (Regional 5)
Credit Risk Audit Department Head
Brenches Coordinator
Department Head
Branches Coordinator Department Head
Credit Risk Audit Section Head
Branches CoordinatorSection Head (Regional 8)
Branches CoordinatorSection Head (Regional 11)
Branches CoordinatorSection Head (Regional 12)
Operational Risk Audit & Special Case Division Head
Credit Risk Audit Division Head
GROUP HEAD
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 363
Head Office Auditor
Head Office Auditor
Head Office Auditor
BranchAuditor
BranchAuditor
BranchAuditor
BranchAuditor
BranchAuditor
BranchAuditor
BranchAuditor
Treasuy & Int'l Banking Risk Audit Department Head
Branches Coordinator
Department Head
APMK, E-channel & IT Risk Audit
Department Head
Branches Coordinator
Department Head
Audit Development & Quality Assurance Department Head
Treasuy & Int'l Banking Risk Audit
Section Head
Branches CoordinatorSection Head (Regional 3)
Branches CoordinatorSection Head (Regional 2)
Branches CoordinatorSection Head (Regional 6)
Branches CoordinatorSection Head (Regional 9)
Audit Development
Quality Assurance Section Head
Branches CoordinatorSection Head (Regional 7)
Branches CoordinatorSection Head (Regional 10)
Syariah Section Head
APMK, E-channel & IT Risk AuditSection Head
Treasury & International Banking Risk Audit Division Head
APMK, E-channel & IT Risk Audit Division Head
SATUAN KERJA AUDIT INTERNAL (SKAI)
SATUAN KERJA AUDIT INTERNAL BANKSatuan Kerja Audit Internal (SKAI) adalah fungsi independen
yang bertanggung jawab langsung kepada Direktur Utama
dan Dewan Komisaris melalui Komite Audit. SKAI 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 dapat dilihat pada
bagan di atas ini.
Untuk mendukung independensi dan menjamin kelancaran
audit serta wewenang dalam memantau tindak lanjut, maka
Kepala Internal Audit dapat berkomunikasi langsung dengan
Dewan Komisaris atau Komite Audit untuk menginformasikan
berbagai hal yang berhubungan dengan audit. Oleh sebab itu,
SKAI telah mendapat dukungan dari Manajemen dan Dewan
INTERNAL AUDIT WORK UNIT (SKAI)
INTERNAL AUDIT WORK UNIT Internal 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.
Organization Structure and HR
Internal Audit (Internal Audit) led by Darwanti Juliastuti Haryo.
Head of Internal Audit is appointed and dismissed by the
Managing Director with the approval DewanKomisaris / Audit
Committee and reported to the regulator.
Sinarmas Bank Internal Audit organizational structure can be
seen in the above chart:
In order to support the independency and ensure the smooth
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. Therefore, Internal
Audit has gained support from the Management and the
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014364
Board of Commissioners, thus the Internal Audit does not face
disruption in conducting its activity.
Profile of Darwanti Juliastuti Haryo - Head of Internal
Audit
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 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
and Business Continuity Management Training Program 2014
in Jakarta.
The number and qualification of internal audit personnel as of
December 31, 2014 are in the following table:
Komisaris sehingga SKAI tidak mendapat hambatan dalam
melakukan pekerjaannya.
Profil Darwanti Juliastuti Haryo - Ketua Audit Internal
Warga Negara Indonesia, 45 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.
Indonesian Citizen, 45 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.
Darwanti Juliastuti
Mengawali karir di Bank Sinarmas mulai 2004 sebagai Divison
Head Satuan Kerja Audit Internal (SKAI) hingga September
2005, kemudian dilanjutkan sebagai Kepala Grup (Group
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.
Jumlah dan kualifikasi jabatan personil audit internal per posisi
31 Desember 2014, dapat dilihat pada tabel berikut:
No Keterangan / Description S2 S1 Jumlah / Number
1 Kepala SKAI / Head of SKAI 1 - 1
2 Kepala Divisi / Division Head - 4 4
3 Kepala Departemen / Department Head - 8 8
4 Kepala Seksi / Section Head - 12 12
5 Auditor / Auditor 6 130 136
Jumlah / Total 7 154 161
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 365
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. The professional
certification that has been followed by the Internal Audit Unit is
Risk Management Certification level 1 to level 5 of 25 people.
SKAI Position and Relationship In Organization
Internal Audit Unit shall have the support of management and
the Board of Commissioners that the auditor can obtain the
cooperation of the auditee and do the job without a hitch.
Position Internal Audit in Banks Sinarmas organization are as
follows:
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), SKAI has
the following duties and responsibilities:
• SKAI is responsible to support the tasks of Managing
Director and Board of Commissioners in supervising
planning, implementation, and audit result monitoring with
operational descriptions;
• Analyze and assess financial, accounting, operational and
other activity fields through onsite and off-site investigations;
• Identify all possibilities to recover and improve the efficiency
of resources and fund utilization;
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 25 orang.
Kedudukan dan Hubungan SKAI dalam Organisasi
SKAI harus mendapat dukungan dari manajemen dan Dewan
Komisaris agar para auditor dapat memeroleh kerja sama dari
auditee dan melakukan pekerjaan tanpa hambatan. Kedudukan
SKAI dalam organisasi Bank Sinarmas adalah sebagai berikut:
BOARD OF COMMISSIONERS
PRESIDENT DIRECTOR
SKAI GROUP HEAD
COMPLIANCE DIRECTOR
AUDIT COMMITTEE
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:
• SKAI bertugas dan bertanggung jawab untuk membantu
tugas Direktur Utama dan Dewan Komisaris dalam
melakukan pengawasan dengan cara menjabarkan secara
operasional baik perencanaan, pelaksanaan, maupun
pemantauan hasil audit.
• Melakukan analisis dan penilaian di bidang keuangan,
akuntansi, operasional dan kegiatan lainnya melalui
pemeriksaan secara langsung (on-site) dan pemantauan
secara tidak langsung (off-site).
• Mengindentifikasi segala kemungkinan untuk memperbaiki
dan meningkatkan efesiensi penggunaan sumber daya dan
dana.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014366
• Provide information and objective recovery advice over
reviewed activities to all management levels.
Relationship with Other Units
SKAI Independency
Based on the Act of Internal Audit published in January 8th,
2013, the Internal Audit Work Unit’s Independency is as follows:
• Internal Audit Work Unit must not own personal
• interest upon audited materials or activities.
• Internal Audit Work Unit must not own authority or
responsibility to conduct operational activities from the
auditee.
• Internal Audit Work Unit restrains every assessment under
• Memberikan informasi dan saran perbaikan yang objektif
tentang kegiatan yang direview kepada semua tingkatan
manajemen.
Hubungan SKAI dengan Unit-Unit Lain
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. / The Internal Audit Work Unit has direct connection to the Board of Commissioners or through the Audit Committee chaired by an Independent Commissioner. The Board of Commissioners is in charge of final supervisory. In this relation, the Board of Commissioners is responsible to ask Directors to follow up findings of the Internal Audit Work 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. / The head of the Internal Audit Work Unit is directly responsible to the President Director. The Internal Audit Work Unit submits its report to the President Director and the Board of Commissioners/Audit Committee with a copy forwarded to the 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./ The Internal Audit Work Unit is able to communicate at any time and has no limit access to the Audit Committee to submit information related to auditing results. The 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 the 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. / The Compliance Director receives a forwarded copy of the Audit report submitted by the Internal Audit Work Unit to the President Director and the 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 has to be cooperative to support duties of the Internal Audit Work Unit and to follow-up audit findings as well as committed to carry out improvement in a certain frame of time. Should the Auditee is not co-operative or a follow-up audit finding as it was approved, there will be sanctions suiting the existing company’s regulation.
Auditor Eksternal / External Auditor
SKAI bertanggung jawab untuk mengkoordinasikan kegiatannya dengan kegiatan Auditor Ekstern sehingga tercipta kerja sama yang saling mengisi dengan maksud agar kegiatan audit masing-masing pihak dapat terselenggara secara efisien dengan cakupan audit yang optimal. / The Internal Audit Work Unit is responsible to coordinate its activity to the activity of the External Auditor to create synergy, so that auditing activities of the respective party can be optimized and efficient.
Independensi SKAI
Berdasarkan Piagam Audit Internal yang ditetapkan pada 8
Januari 2013, independensi SKAI adalah sebagai berikut:
• SKAI tidak boleh memiliki kepentingan atas objek atau
kegiatan yang diaudit.
• SKAI tidak boleh mempunyai wewenang atau tanggung
jawab untuk melaksanakan kegiatan-kegiatan operasional
dari auditee.
• SKAI harus menahan diri dari menilai kegiatan yang
sebelumnya menjadi tanggung jawabnya.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 367
• Auditor intern yang pernah terlibat aktif dalam
pengembangan sistem (in the system development life cycle)
harus menahan diri dari audit terhadap sistem tersebut.
• Auditor intern tidak melakukan penugasan audit dalam tiga
tahun berturut-turut terhadap auditee yang sama.
Realisasi Audit Plan 2014
Sesuai dengan Rencana Kerja SKAI pada 2014, SKAI telah
melaksanakan program kerja sebagai berikut :
1. 41 Kantor Cabang dan 23 Divisi/Unit Kerja dilakukan
pemeriksaan tahunan
2. Surprise audit pada 13 kantor Bank Sinarmas
3. On the spot audit pada 123 kantor Bank Sinarmas
4. Kaji ulang oleh pihak ekstern yaitu KAP Sriyadi Elly & Rekan
pada Mei 2014
Atas pemeriksaan yang telah dilakukan SKAI selama 2014,
tindaklanjutnya 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.
4. Melakukan Refreshment Sistem Pengendalian Intern (SPI)
guna meningkatan budaya kehati-hatian di semua unit
kerja.
Laporan Pelaksanaan Kerja SKAI
Berikut adalah laporan pelaksanaan kerja SKAI selama 2014:
1. Membuat dan menyampaikan laporan progress 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 intern kepada OJK 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.
his previous responsibilities.
• Actively-involved internal auditor in the system development
life cycle restrains from current audit on the system.
• Internal auditor do not conduct audit assignation in three
executive years to the same auditee.
Audit Plan 2014 Realization
Pursuant to SKAI Work Plan in 2014, SKAI conducted the
following work program:
1. Annual examination on 41 Branch Offices and 23 Work
Divisions/Units
2. Surprise audit at 13 offices
3. On-the-spot audit at 123 offices
4. Review by external party, namely Public Accounting Firm
(KAP) Sriyadi Elly & Rekan on May 2014
Several follow-ups were generated from the examination,
namely:
1. Provide recommendations to Management in implementing
socialization and education to improve the officers’
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 Management in the
form of Executive Summary and quarterly report.
3. Active monitoring on the recommendation of investigation
result follow-up.
4. Conduct Internal Control System Refreshment to enhance
awareness culture in all work units.
SKAI Performance Report
The performance report of SKAI in 2014 is as follows:
1. Regularly compose and deliver progress and achievement
result on Annual Workplan report, also human resources
adequacy to Managing Director and Audit Committee.
2. Compose and deliver implementation and internal audit
result in semester report after having 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.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014368
Rencana Kerja SKAI 2015
SKAI telah menyusun rencana kerja yang telah disetujui oleh
Direktur Utama, yaitu sebagai berikut:
1. Audit tahunan pada Kantor Cabang baik Konvensional dan
Syariah, 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.
SISTEM PENGENDALIAN INTERNAL (SPI)Dalam rangka pengelolaan Bank secara efektif dan efesien,
serta sebagai dasar kegiatan operasional yang sehat dan aman,
Bank telah menerapkan suatu Sistem Pengendalian Internal
(SPI). Keberadaan SKAI bertanggung jawab untuk membantu
menajemen Bank memastikan bahwa penerapkan internal
control cukup memadai dan telah berjalan sebagaimana
mestinya.
Pengendalian internal merupakan proses yang diajukan
oleh Dewan Direksi, Manajemen, dan personil bank secara
berkesinambungan (on going basis) dalam rangka memberikan
keyakinan yang memadai guna:
• MenjagadanmengamankanhartakekayaanBank
• Menjamintersedianyalaporanyanglebihakuratdantepat
waktu
• Meningkatkan kepatuhan terhadap ketentuan yang
berlaku, baik ketentuan internal maupun eksternal
• Mengurangi dampak keuangan/kerugian, penyimpangan
termasuk kecurangan fraud, dan pelanggaran aspek kehati-
hatian
• Meningkatkan efektivitas organisasi dan meningkatkan
efisiensi biaya.
SKAI Work Plan in 2015
The work plan composed by SKAI has been approved by
Managing Director and consists of the following points:
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.
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.
INTERNAL SUPERVISION SYSTEM In order to manage the Bank effectively and efficiently, as well
as basic operations are healthy and safe, the Bank has adopted
an Internal Supervision System (SPI). SKAI is responsible for
helping to apply the management of the Bank to ensure that
adequate internal controls and has been working as it should.
Internal control is a process that is proposed by the Board of
Directors, Management, and bank personnel on an ongoing
basis in order to provide reasonable assurance to:
• MaintainandsecureBank’swealth
• Assure on the availability of amore accurate and timely
report
• Improve compliance towards prevailing regulations, both
internal and external circumstances.
• Reducethefinancial/loss impactsandviolations, including
fraud cases, and awareness aspect violations.
• Improveorganizationaleffectivenessandcostefficiency.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 369
Pedoman Umum Sistem Pengendalian Internal
Dalam rangka menerapkan Sistem Pengendalian Internal yang
menyeluruh secara efektif dan efisien, sebagaimana telah
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 No. 5/22/DPNP tanggal 29
Desember 2003 perihal Pedoman Standar Sistem Pengendalian
Intern bagi Bank Umum yang mewajibkan setiap Bank umum
menyusun Pedoman SPI yang sekurang-kurangnya mencakup 5
(lima) elemen pokok, yaitu:
1. Pengawasan oleh Manajemen dan kultur pengendalian
2. Indentifikasi dan penilaian risiko
3. Kegiatan pengendalian dan pemisahan fungsi
4. Sistem Akuntansi, informasi, dan komunikasi
5. Kegiatan pemantauan dan tindakan koreksi 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 tersebut menjadi acuan bagi seluruh jajaran Bank
dalam melakukan aktivitas operasional sehari-hari.
SATUAN KERJA MANAJEMEN RISIKO (SKMR)
Bank memiliki Satuan Kerja Manajemen Risiko (SKMR) yang
merupakan satuan kerja yang independen terhadap satuan
kerja operasional (risk taking unit) seperti operasional, treasury,
kredit, akunting dan terhadap satuan kerja yang melaksanakan
pengendalian internal.
Pada posisi Desember 2014, SKMR terdiri atas dua divisi yaitu
Divisi Credit & Operational Risk dan Divisi Market, Liquidity &
Enterprise Risk Management dengan total jumlah karyawan
sebanyak 17 orang. Saat ini SKMR di bawah rentang kendali
Direktorat Manajemen Risiko yang dipimpin oleh Direktur
Manajemen Risiko.
Internal Supervision System Guideline
In order to carry out an Internal Controlling System effectively
and efficiently as regulated by 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 of PBI No.5/8/PBI/2003 on
the Implementation of Risk Management for Commercial
Bank, Bank Indonesia also issued Circulating Letter No. 5/22/
DPNP dated December 29, 2003 on Standard Guidelines for
the Internal Controlling System for Commercial Bank, which
obliges every commercial bank to set their own Guidelines on
the Internal Controlling System consisting at least 5 (five) core
elements such as:
1. Management Oversight and Control Culture
2. Risk Recognition and Assessment
3. Control Activities and Segregation of Duties
4. Accounting system, information and communication
5. Monitoring activities and correcting deficiencies
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. All the Bank’s units
refer to the mentioned guidelines to carry out daily activities.
RISK MANAGEMENT WORK UNIT (SKMR)
The Bank has a Risk Management Work Unit (SKMR), a unit
independent from the risk-taking units such as operational,
treasury and investment, credit, finance, accounting, and from
Internal Audit Work Unit.
In the position in December 2014, SKMR consists of two
divisions, namely Division of Credit and Operational Risk and
Market Division, Liquidity Risk and Anti-Fraud Monitoring the
total number of employees by 17 people. Currently SKMR
under control range Risk Management Directorate headed by
the Director of Risk Management.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014370
Struktur SKMR
RISK MANAGEMENTDIRECTOR
Credit & Operational Risk Management
Division Head
RISK MANAGEMENT GROUP HEAD
Operational Risk Management Department Head
Market & LiquidityRisk Management Department Head
Credit Risk Management Department Head
Policy & Credit Review
Policy & Operational Review
Section HeadMarket Risk
Risk Officer Risk Officer Risk Officer
Credit Risk Control & Monitoring
Section Head
Operational Risk Control & Monitoring
Liqudity Risk
Risk Officer Risk Officer Risk Officer Risk Officer
Enterprise Risk Management
Department Head
Enterprise risk ManagementSection Head
Market, Liquidity, & Enterprise Risk Management
Division Head
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. Pemantauan terhadap pelaksanaan strategi manajemen
risiko yang direkomendasikan oleh Komite Manajemen
Risiko dan yang telah disetujui oleh Direksi.
4. Pemantauan 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. Pengkajian terhadap usulan aktivitas dan/atau produk baru
yang diajukan atau dikembangkan oleh suatu unit tertentu
yang ada pada Bank. Pengkajian difokuskan terutama
pada aspek kemampuan Bank untuk melakukan aktivitas
dan atau produk baru termasuk sistem dan prosedur yang
digunakan serta dampaknya tehadap eksposur risiko Bank
secara keseluruhan.
SKMR Structure
Duties and Responsibilities
The following are the responsibilities held by SKMR in risk
management implementation:
1. Provide feedback to the 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 the Risk Management
Committee and approved by the Board of Directors.
4. Monitoring the position / risk exposure overall (composite),
per type of risk as well as a functional activity appropriate
risk limits set.
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. Assessment of the proposed activities and / or new products
proposed or developed by a given unit yanh the Bank. The
assessment focused primarily on aspects of the Bank’s ability
to perform activities or new products, including systems
and procedures used and the impact Cosmos Bank’s overall
risk exposure.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 371
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 SKMR.
8. 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
Komite Manajemen Risiko dan Komite Pemantau Risiko,
yang kemudian akan dilaporkan kepada OJK.
10. Pelaksanaan kaji ulang secara berkala untuk memastikan :
- Kecukupan kerangka manajemen risiko
- Keakuratan metodologi penilaian risko
- Kecukupan sistem informasi manajemen risiko
SATUAN KERJA KEPATUHAN (SKK)
SKK dibentuk berdasarkan Peraturan Bank Indonesia No.
13/2/PBI/2011 tentang Pelaksanaan Fungsi Kepatuhan Bank
Umum. Ketidakpatuhan terhadap peraturan dan ketentuan
perundang-undangan yang berlaku dapat menimbulkan risiko
yang bersifat finansial seperti denda, dan non finansial seperti
peringatan tertulis sampai pencabutan izin usaha.
Risiko yang ditimbulkan akibat ketidakpatuhan dapat
mempengaruhi operasional Bank. Perseroan berkomitmen
untuk senantiasa mematuhi peraturan dan ketentuan yang
dikeluarkan oleh Bank Indonesia maupun regulator lainnya.
Dalam rangka memenuhi komitmen tersebut, Bank Sinarmas
membentuk SKK yang bersifat independen dan bebas dari
pengaruh satuan kerja lainnya serta mempunyai akses langsung
kepada Direktur Kepatuhan.
7. Provide recommendations on the amount or the maximum
risk exposure that must be maintained by the Bank to
operational unit and the Risk Management Committee, in
accordance with the competencies of the Risk Management
Unit.
8. Evaluation of the accuracy of the model and the validation
of the data used by the Bank to measure risk.
9. Preparation and submission of quarterly reports and the
risk profile of the Bank semiannually Risk Management
Committee and Risk Monitoring Committee, which will
then be reported to the Financial Services Authority (FSA).
10. Implementation of the review on a regular basis to ensure:
- The adequacy of the risk management framework
- The accuracy of risk assessment methodologies
- The adequacy of the risk management information
system
COMPLIANCE WORK UNIT (SKK)
SKK is established pursuant to Bank Indonesia Regulation
No.:13/2/PBI/2011 on the implementation of compliance for
public bank. Incompliance towards regulations and existing
legal statements could arise financial risks such as fines, and
nonfinancial such as business permission removal.
Risk arises due to incompliance could affect Bank operational.
Bank Sinarmas is committed to be compliant of all regulations
and policies issued by Bank Indonesia as well as other regulators.
In an effort to fulfill the commitment, Bank Sinarmas forms
Compliance Work Unit, an independent and unrestricted work
unit from others, and is permitted to have direct access to
Director of Compliance.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014372
Struktur SKK
Group Head
Divisi Head
Compliance
UKPN
UKPN Department Head
Compliance Director
SKK Bank Sinarmas saat ini dipimpin oleh Purwanto sebagai
Group Head dan Harri Setiabudi sebagai Kepala Divisi yang
dibentuk untuk memastikan tingkat kepatuhan seluruh
jenjang organisasi Bank Sinarmas atas ketentuan dan
peraturan perundang-undangan yang berlaku, pemenuhan
komitmen kepada otoritas, 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.
Tugas SKK
SKK dibentuk untuk melaksanakan fungsi kepatuhan yang
meliputi tindakan sebagai berikut:
1. Mewujudkan terlaksananya budaya kepatuhan (compliance
culture) pada semua tingkatan organisasi dan kegiatan
usaha.
2. Mengelola risiko kepatuhan (compliance risk).
3. Memastikan agar kebijakan, ketentuan, sistem, dan
prosedur serta kegiatan usaha yang dilakukan telah sesuai
dengan ketentuan Regulator dan peraturan perundang-
undangan yang berlaku.
SKK Structure
The SKK of Bank Sinarmas is presently chaired by Purwanto
as Group Head and Harri Setiabudi as Division Head, which
are formed to ensure the compliance level in all levels of
Bank Sinarmas’ organizations upon the prevailing regulations
and legislations, fulfillment of authorized commitment, credit
activities and normal materials and service procurement, as well
as to ensure the operational activities compliance in every work
unit, the APU and PPT principles implementation as an efor of
Bank Sinarmas to evade any money laundering criminalities.
Duties
Compliance Work Unit is formed to conduct compliance
functions such as follows:
1. Conduct compliance culture to all organization levels and
business activities
2. Manage compliance risks
3. Ensure each conducted policies, regulations, system,
procedures, and all business activities meet the regulations
issued by Bank Indonesia and prevailing legislations.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 373
4. Memastikan komitmen terhadap kepatuhan yang dibuat
kepada Regulator dan/atau otoritas pengawas lain yang
berwenang.
SKK melaksanakan program komunikasi dan sosialisasi
baik di cabang maupun unit bisnis Bank Sinarmas melalui
program 35 menit bersama Compliance. Selain itu, SKK juga
menguji pemahaman mengenai pengetahuan APU dan PPT
kepada karyawan Bank Sinarmas. 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.
Tanggung Jawab Direktur Kepatuhan
Tugas dan tanggung jawab Direktur Kepatuhan, meliputi:
1. Merumuskan strategi guna mendorong terciptanya budaya
kepatuhan (compliance culture);
2. Mengusulkan kebijakan kepatuhan atau prinsipprinsip
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 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.
4. Ensure the commitment towards compliance conducted to
Bank Indonesia and/or other authorities.
The Compliance Work Unit also continue implementing
communications and dissemination program through 35
minutes with Compliance event. In addition, SKK also tests
the understanding of employees of Bank Sinarmas on their
knowledge of Anti-Money Laundering (AML) and Combating
the Terrorism Funding (PPT). In a long-term, the Bank sets goal
to develop compliance culture within its internal stakeholders
including shareholders, managers, officers and employees.
Tanggung Jawab Direktur Kepatuhan
Tugas dan tanggung jawab Direktur Kepatuhan, meliputi:
1. Merumuskan strategi guna mendorong terciptanya budaya
kepatuhan (compliance culture);
2. Mengusulkan kebijakan kepatuhan atau prinsipprinsip
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 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.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014374
Indikator Kepatuhan 2014
1. Track record kepatuhan Bank selama ini sangat baik dan
Bank telah menerapkan hampir seluruh standar keuangan
dengan kode etik yang berlaku. Hal tersebut menunjukkan
bahwa kemungkinan kerugian Bank Sinarmas dari risiko
kepatuhan inheren secara komposit tergolong rendah
dengan kualitas penerapan manajemen risiko kepatuhan
sangat memadai.
2. Hasil Self Assessment pelaksanaan Good Corporate
Governance (GCG) pada Bank Sinarmas posisi semester I dan
II Thn 2014 berada pada peringkat 2 yang mencerminkan
Manajemen Bank telah melakukan penerapan Good
Corporate Governance yang secara umum baik.
Aktivitas Kepatuhan 2014
Bank Sinarmas memiliki Compliance Framework sebagai
bentuk komitmen terhadap ketentuan PBI No. 13/2/PBI/2011
tanggal 12 Januari 2011. Pada tahun 2014 aktivitas kepatuhan
yang dilakukan oleh Divisi Kepatuhan meliputi:
I. Pelaksanaan Fungsi Kepatuhan
1. Mendorong terwujudnya Budaya Kepatuhan pada
semua tingkatan organisasi dan kegiatan usaha Bank.
Dalam rangka mendorong terwujudnya Budaya
Kepatuhan di seluruh unit organisasi, Bank Sinarmas telah
menyusun program Compliance Training (Sosialisasi
35 Menit Bersama Compliance), yang bertujuan
meningkatkan kesadaran, pemahaman dan kepedulian
terhadap penerapan Budaya Kepatuhan dalam semua
aspek kegiatan operasional. Juga memberikan sosialisasi
perihal Kepatuhan Bank Terhadap Regulasi Industri
Perbankan yang berlaku, tujuan sosialisasi tersebut
untuk memberikan pemahaman kepada pegawai
mengenai regulasi terkait industri perbankan yang
berlaku serta pentingnya kepatuhan terhadap regulasi
industri perbankan yang berlaku agar terhindar dari
risiko Kepatuhan (Compliance Risk).
Selain itu, SKK juga memberikan training Kepatuhan
berupa Anti Money Laundering kepada pegawai
baru jenjang Management Development Program
(MDP), serta pelatihan juga diberikan kepada pegawai
frontliner.
Pengembangan kualitas SDM di Divisi Kepatuhan juga
terus ditingkatkan melalui pelatihan dan pengembangan
kompetensi. Selama tahun 2014 Divisi Kepatuhan
telah mengikutsertakan pegawainya dalam berbagai
Indikator Kepatuhan 2014
1. Track record kepatuhan Bank selama ini sangat baik dan
Bank telah menerapkan hampir seluruh standar keuangan
dengan kode etik yang berlaku. Hal tersebut menunjukkan
bahwa kemungkinan kerugian Bank Sinarmas dari risiko
kepatuhan inheren secara komposit tergolong rendah
dengan kualitas penerapan manajemen risiko kepatuhan
sangat memadai.
2. Hasil Self Assessment pelaksanaan Good Corporate
Governance (GCG) pada Bank Sinarmas posisi semester I dan
II Thn 2014 berada pada peringkat 2 yang mencerminkan
Manajemen Bank telah melakukan penerapan Good
Corporate Governance yang secara umum baik.
Aktivitas Kepatuhan 2014
Bank Sinarmas memiliki Compliance Framework sebagai
bentuk komitmen terhadap ketentuan PBI No. 13/2/PBI/2011
tanggal 12 Januari 2011. Pada tahun 2014 aktivitas kepatuhan
yang dilakukan oleh Divisi Kepatuhan meliputi:
I. Pelaksanaan Fungsi Kepatuhan
1. Mendorong terwujudnya Budaya Kepatuhan pada
semua tingkatan organisasi dan kegiatan usaha Bank.
Dalam rangka mendorong terwujudnya Budaya
Kepatuhan di seluruh unit organisasi, Bank Sinarmas telah
menyusun program Compliance Training (Sosialisasi
35 Menit Bersama Compliance), yang bertujuan
meningkatkan kesadaran, pemahaman dan kepedulian
terhadap penerapan Budaya Kepatuhan dalam semua
aspek kegiatan operasional. Juga memberikan sosialisasi
perihal Kepatuhan Bank Terhadap Regulasi Industri
Perbankan yang berlaku, tujuan sosialisasi tersebut
untuk memberikan pemahaman kepada pegawai
mengenai regulasi terkait industri perbankan yang
berlaku serta pentingnya kepatuhan terhadap regulasi
industri perbankan yang berlaku agar terhindar dari
risiko Kepatuhan (Compliance Risk).
Selain itu, SKK juga memberikan training Kepatuhan
berupa Anti Money Laundering kepada pegawai
baru jenjang Management Development Program
(MDP), serta pelatihan juga diberikan kepada pegawai
frontliner.
Pengembangan kualitas SDM di Divisi Kepatuhan juga
terus ditingkatkan melalui pelatihan dan pengembangan
kompetensi. Selama tahun 2014 Divisi Kepatuhan
telah mengikutsertakan pegawainya dalam berbagai
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 375
pelatihan/seminar/sertifikasi terkait Compliance dan
Anti Money Laundering.
2. Mengelola Risiko Kepatuhan
Divisi Kepatuhan melakukan pemantauan terhadap
tingkat kepatuhan atas ketentuan yang berlaku terkait
prinsip prudential banking (antara lain CAR, ROA,
ROE, PDN, BMPK, NPL, LDR), pada tahun 2014 secara
keseluruhan tidak ada pelanggaran terhadap ketentuan
Otoritas Jasa Keuangan/Bank Indonesia terkait prinsip
prudential banking.
3. Memastikan seluruh kebijakan, ketentuan, sistem dan
prosedur serta kegiatan usaha yang dilakukan Bank
telah sesuai dengan ketentuan Otoritas Jasa Keuangan/
Bank Indonesia dan peraturan perundang-undangan
yang berlaku.
Agar kebijakan, ketentuan, sistem, dan prosedur
bank tidak menyimpang dari ketentuan Otoritas Jasa
Keuangan/Bank Indonesia dan peraturan perundangan
yang berlaku, Divisi Kepatuhan melakukan:
a. Review Kepatuhan, melakukan review terhadap
rancangan kebijakan dan prosedur baru yang
diajukan oleh unit kerja pembuat kebijakan, dan
terhadap kebijakan dan prosedur existing;
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.
4. Memantau dan menjaga Kepatuhan Bank terhadap
komitmen ke Otoritas Jasa Keuangan/Bank Indonesia
dan Otoritas Pengawas lain
Pemantauan terhadap komitmen ke Otoritas Jasa
Keuangan, Bank Indonesia dan otoritas pengawas
lainnya dilakukan bersama Satuan Pengawasan Intern
(SPI) melalui pemantauan tindak lanjut hasil audit
Otoritas Jasa Keuangan dan Otoritas Pengawas lainnya
(Bank Indonesia, Badan Pemeriksa Keuangan, Pusat
Pelaporan dan Analisis Transaksi Keuangan dan lainnya).
II. Pengendalian Internal
Pelaksanaan pengelolaan pengendalian internal dilakukan
oleh Compliance Officer melalui review compliance dan
Compliance Check List terhadap aktivitas operasional di
tingkat Divisi/Kantor Wilayah/Kantor Cabang. Tujuan dari
pelatihan/seminar/sertifikasi terkait Compliance dan
Anti Money Laundering.
2. Mengelola Risiko Kepatuhan
Divisi Kepatuhan melakukan pemantauan terhadap
tingkat kepatuhan atas ketentuan yang berlaku terkait
prinsip prudential banking (antara lain CAR, ROA,
ROE, PDN, BMPK, NPL, LDR), pada tahun 2014 secara
keseluruhan tidak ada pelanggaran terhadap ketentuan
Otoritas Jasa Keuangan/Bank Indonesia terkait prinsip
prudential banking.
3. Memastikan seluruh kebijakan, ketentuan, sistem dan
prosedur serta kegiatan usaha yang dilakukan Bank
telah sesuai dengan ketentuan Otoritas Jasa Keuangan/
Bank Indonesia dan peraturan perundang-undangan
yang berlaku.
Agar kebijakan, ketentuan, sistem, dan prosedur
bank tidak menyimpang dari ketentuan Otoritas Jasa
Keuangan/Bank Indonesia dan peraturan perundangan
yang berlaku, Divisi Kepatuhan melakukan:
a. Review Kepatuhan, melakukan review terhadap
rancangan kebijakan dan prosedur baru yang
diajukan oleh unit kerja pembuat kebijakan, dan
terhadap kebijakan dan prosedur existing;
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.
4. Memantau dan menjaga Kepatuhan Bank terhadap
komitmen ke Otoritas Jasa Keuangan/Bank Indonesia
dan Otoritas Pengawas lain
Pemantauan terhadap komitmen ke Otoritas Jasa
Keuangan, Bank Indonesia dan otoritas pengawas
lainnya dilakukan bersama Satuan Pengawasan Intern
(SPI) melalui pemantauan tindak lanjut hasil audit
Otoritas Jasa Keuangan dan Otoritas Pengawas lainnya
(Bank Indonesia, Badan Pemeriksa Keuangan, Pusat
Pelaporan dan Analisis Transaksi Keuangan dan lainnya).
II. Pengendalian Internal
Pelaksanaan pengelolaan pengendalian internal dilakukan
oleh Compliance Officer melalui review compliance dan
Compliance Check List terhadap aktivitas operasional di
tingkat Divisi/Kantor Wilayah/Kantor Cabang. Tujuan dari
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014376
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 ex-post yang dilakukan
oleh Unit Kepatuhan 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 yang ada lebih
dini.
2. Review Insidentil
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 Unit Kepatuhan karena
adanya indikasi permasalahan yang dijumpai pada
saat 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 dan
personalia yang diduga terkait dengan terjadinya
penyimpangan ketentuan tersebut.
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 Anti-Money Laundering (AML) &
Pencegahan Pendanaan Terorisme
Bank Sinarmas secara terus menerus melakukan
pemantauan atas penerapan Program Anti Pencucian
Uang dan Pencegahan Pendanaan Terorisme (APU &
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 ex-post yang dilakukan
oleh Unit Kepatuhan 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 yang ada lebih
dini.
2. Review Insidentil
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 Unit Kepatuhan karena
adanya indikasi permasalahan yang dijumpai pada
saat 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 dan
personalia yang diduga terkait dengan terjadinya
penyimpangan ketentuan tersebut.
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 Anti-Money Laundering (AML) &
Pencegahan Pendanaan Terorisme
Bank Sinarmas secara terus menerus melakukan
pemantauan atas penerapan Program Anti Pencucian
Uang dan Pencegahan Pendanaan Terorisme (APU &
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 377
PPT), termasuk pelaksanaan Prinsip Mengenal Nasabah/
Know Your Customer (KYC)/Customer Due Dilligence
(CDD), untuk meminimalisir terjadinya pencucian uang dan
pendanaan terorisme serta timbulnya risiko-risiko terhadap
Bank.
Upaya yang dilakukan adalah dengan:
• Adanya peran aktif dari Direksi dan Dewan Komisaris
yang mendukung pelaksanaan Program APU & PPT;
• Me-review secara berkala atas Kebijakan dan Pedoman
Penerapan Program APU & PPT;
• Menyempurnakan kebijakan, prosedur serta sistem
informasi untuk memastikan kesesuaian dengan
perkembangan ketentuan eksternal;
• Memberikan pelatihan APU & PPT secara
berkesinambungan kepada seluruh pegawai.
Mengingat jaringan distribusi Bank Sinarmas yang terus
berkembang luas, serta semakin kompleksnya produk,
aktivitas dan teknologi informasi bank, maka Bank
Sinarmas antara lain selalu berinisiatif menyempurnakan
sistem informasi untuk mengidentifikasi transaksi keuangan
mencurigakan, mendeteksi transaksi keuangan tunai dalam
jumlah tertentu, mendeteksi transaksi transfer dana dari
dan ke luar negeri serta alert system untuk mengidentifikasi
calon nasabah yang dinilai memiliki risiko tinggi, calon
nasabah yang berasal dari negara yang tergolong sebagai
negara berisiko tinggi, serta mengidentifikasi bisnis berisiko
tinggi yang kemungkinan digunakan dalam aktivitas
pencucian uang maupun pembiayaan terorisme.
Bank Sinarmas juga secara terus menerus melakukan
pemantauan pelaksanaan pengkinian data nasabah dan
melakukan sosialisasi secara berkesinambungan atas
pelaksanaan Prinsip Mengenal Nasabah/KYC/CDD dan
penerapan Program APU & PPT. Sosialisasi dilakukan melalui
metode tatap muka maupun melalui program e-learning.
Peran aktif Direksi dan Komisaris, penyempurnaan
Kebijakan dan Pedoman Penerapan Program APU&PPT,
sistem informasi, pelatihan dan sosialisasi merupakan
upaya untuk meningkatkan efektivitas pelaksanaan Prinsip
Mengenal Nasabah dan penerapan Program APU &PPT.
PPT), termasuk pelaksanaan Prinsip Mengenal Nasabah/
Know Your Customer (KYC)/Customer Due Dilligence
(CDD), untuk meminimalisir terjadinya pencucian uang dan
pendanaan terorisme serta timbulnya risiko-risiko terhadap
Bank.
Upaya yang dilakukan adalah dengan:
• Adanya peran aktif dari Direksi dan Dewan Komisaris
yang mendukung pelaksanaan Program APU & PPT;
• Me-review secara berkala atas Kebijakan dan Pedoman
Penerapan Program APU & PPT;
• Menyempurnakan kebijakan, prosedur serta sistem
informasi untuk memastikan kesesuaian dengan
perkembangan ketentuan eksternal;
• Memberikan pelatihan APU & PPT secara
berkesinambungan kepada seluruh pegawai.
Mengingat jaringan distribusi Bank Sinarmas yang terus
berkembang luas, serta semakin kompleksnya produk,
aktivitas dan teknologi informasi bank, maka Bank
Sinarmas antara lain selalu berinisiatif menyempurnakan
sistem informasi untuk mengidentifikasi transaksi keuangan
mencurigakan, mendeteksi transaksi keuangan tunai dalam
jumlah tertentu, mendeteksi transaksi transfer dana dari
dan ke luar negeri serta alert system untuk mengidentifikasi
calon nasabah yang dinilai memiliki risiko tinggi, calon
nasabah yang berasal dari negara yang tergolong sebagai
negara berisiko tinggi, serta mengidentifikasi bisnis berisiko
tinggi yang kemungkinan digunakan dalam aktivitas
pencucian uang maupun pembiayaan terorisme.
Bank Sinarmas juga secara terus menerus melakukan
pemantauan pelaksanaan pengkinian data nasabah dan
melakukan sosialisasi secara berkesinambungan atas
pelaksanaan Prinsip Mengenal Nasabah/KYC/CDD dan
penerapan Program APU & PPT. Sosialisasi dilakukan melalui
metode tatap muka maupun melalui program e-learning.
Peran aktif Direksi dan Komisaris, penyempurnaan
Kebijakan dan Pedoman Penerapan Program APU&PPT,
sistem informasi, pelatihan dan sosialisasi merupakan
upaya untuk meningkatkan efektivitas pelaksanaan Prinsip
Mengenal Nasabah dan penerapan Program APU &PPT.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014378
CORPORATE SECRETARY
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 DBS Indonesia in 2005 until
2007 Compliance Manager at PT Bank Rabobank International
Indonesia in 2009 until 2011, and Compliance Manager at PT
AXA Mandiri Financial Services in 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 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
SEKRETARIS PERUSAHAANProfil Sekretaris Perusahaan
Dodo Suyanto
Warga Negara Indonesia, 45 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.
Indonesian citizen, 45 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.
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
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
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 379
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.
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.
access to the material and relevant information relating to the
Company and the relevant legislation.
Duties and Responsibilities
Pursuant to Corporate Secretary Chart of PT. Bank Sinarmas
Tbk., Corporate Secretary has the following duties and
responsibilities:
1. Following the development in Capital Markets, Banking
and Listed Company as well as regulations existing to the
respective areas;
2. Provide the public with any information needed by investors
associated with the Bank;
3. Provide input to the Board of Directors to comply with
regulations in force 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. Prepare 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. Make a list of shareholders, including the interests of 5%
(five percent of the shares) or more.
7. Attend 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. Make 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. Make 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.
11. Assist the Board of Directors prepare correspondence
(letters, memoranda, and other), both for internal (BOC,
Branch Office, Units Work in the Central Office).
12. Develop Decree, Circular, and letters issued by the Company.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014380
Pursuant to the Financial Services Authority Regulation No.
35/POJ.04/2014 on Corporate Secretary for Issuers or Public
Companies, the following are duties and responsibilities of
Corporate Secretary:
1. follow the development of capital markets, especially the
legislation in force in the capital market;
2. provide 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. assist 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.
Correspondence
In 2014, the Company conducted the following routine and
non-routine correspondences:
Berdasarkan Peraturan Otoritas Jasa Keuangan No. 35/
POJ.04/2014 tentang Sekretaris Perusahaan Emiten atau
Perusahaan Publik, tugas dan tanggung jawab 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 Regulator lain
dan menjadi gerbang media terkait informasi yang akan
dipublikasikan terkait aksi korporasi, kinerja perusahaan,
ataupun meredam berita negatif mengenai Perseroan.
Korespondensi
Selama 2014, korespondensi baik rutin maupun non rutin
yang disampaikan Perseroan kepada regulator adalah sebagai
berikut:
Perihal / AboutKeterangan /
Description
Jumlah /
Total
Laporan Bulanan Registrasi Pemegang Efek / Monthly Report on Securities Holder
RegistrationRutin / 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 ProceedsRutin / Routine 4
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 381
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 2014, the Company issued three press release with
details as follows:
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 spread to the employees. Lensa Berita is published
every Wednesday in every week. In 2014, Lenses News has
published 54 editions.
Perihal / AboutKeterangan /
Description
Jumlah /
Total
Laporan Keuangan Tahunan / Annual Financial Statements Rutin / Routine 1
Laporan Tahunan 2013 / Annual Report 2013 Rutin / Routine 1
Laporan Keuangan Interim dan Long Form / Interim and Long Form Financial Statements Rutin / Routine 3
Publikasi Laporan Keuangan / Financial Statements Publication Rutin 4
Perubahan Corporate Secretary / Changes of Corporate SecretaryNon Rutin / Non-
Routine1
Laporan Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu / Report on
Additional Capital Without Preemptive Rights
Non Rutin / Non-
Routine2
Keterbukaan Informasi Terkait Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu / Information Disclosure on Additional Capital Without Preemptive Rights
Non Rutin / Non-Routine
2
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 2014, Perusahaan mengeluarkan 3 siaran pers dengan
rincian sebagai berikut:
Judul / Title Tanggal / Date
Bank Sinarmas Luncurkan “Kartu Debit Bank Sinarmas Union Pay” / Bank Sinarmas
Launched “Bank Sinarmas Debit Card”
18 Agustus 2014
Bank Sinarmas Terus Menggenjot Target DPK dan Penyaluran Kredit / Bank Sinarmas
Encouraged DPK Target and Credit Distribution
4 Desember 2014
Bank Sinarmas Bersama Nurbaya Initiative Melakukan Terobosan Dalam pembiayaan
Bagi Pelaku UMKM di Pasar Tanah Abang dan Thamrin City / Bank Sinarmas and
Nurbaya Initiative Conducted Innovation in Financing for UMKM Players at Pasar Tanah
Abang and Thamrin City.
7 November 2014
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
2014, Lensa Berita telah menerbitkan 54 edisi.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014382
2. Lensa Quiz
Media containing questions related to the issues raised in
the banking operations. This is done to improve aware of
every employee in general, as well as branches in particular,
related problems occurred. During 2014, Lensa Quiz has
issued a total of 64 editions.
3. Message from Management
Direct message sent by management to all employees.
This message is related to the culture of work, information
on the progress of the Company, as well as motivation.
Throughout 2014, the Company has sent at least four
editions of management messages are as follows:
• Growing Toward Maturity
• Kick Off Spend Optimization
• The Future is You
• Greetings From Transformation
PUBLIC ACCOUNTANT
Pursuant to the AGM on June 13, 2014 in Jakarta, as stated
in the Minutes of the General Meeting of Shareholders No. 44
dated June 13, 2014, agreed to appoint 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 2014, that the
assignment meets the following aspects:
• Capacity
• Legality of work agreement
• Audit coverage
• Professional public accountant standards
• Communication between Bank Indonesian with the
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.
2. Lensa Quiz
Media yang berisi pertanyaan-pertanyaan terkait dengan
permasalahan yang terjadi dalam operasional perbankan.
Hal ini dilakukan untuk meningkatkan aware dari setiap
karyawan pada umumnya, serta cabang-cabang pada
khususnya, terkait permasalahan yang terjadi. Selama
2014, Lensa Quiz telah menerbitkan sebanyak 64 edisi.
3. Pesan Manajemen
Pesan langsung yang dikirimkan oleh Manajemen kepada
seluruh karyawan. Pesan ini terkait mengenai budaya kerja,
informasi perkembangan Perseroan, maupun motivasi.
Sepanjang 2014, Perseroan telah mengirimkan sedikitnya
4 edisi pesan manajemen yang antara lain sebagai berikut:
• Bertumbuh Menuju Kedewasaan
• Kick Off Spend Optimization
• The Future is You
• Salam Transformasi
AKUNTAN PUBLIK
Melalui RUPS pada 13 Juni 2014 di Jakarta, sebagaimana
tertuang dalam Berita Acara Rapat Umum Pemegang Saham
Tahunan No. 44 tanggal 13 Juni 2014, 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 2014, 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.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 383
The following are a public accounting firm to audit the financial
statements of Bank Sinarmas for 3 (three) years:
TRANSACTION CONTAINING CONFLICTS OF INTEREST
Bank Sinarmas did not have any transaction containing conflicts
of interest in 2014
LEGAL CASES
Legal cases faced by Bank Sinarmas are as follows:
Legal cases faced by the Company did not give significant
impact on the Company’s activities.
ACCESS TO COMPANY INFORMATION
The Company is committed to implementing disclosure
principle. As such, the Company always conveys information
about the Company through the Company’s website www.
banksinarmas.com. In addition, the Company also presented
the development of the Company Disclosure of Material
Berikut adalah Kantor Akuntan Publik yang melakukan audit
Laporan Keuangan Bank Sinarmas selama 3 (tiga) tahun
terakhir:
Tahun /
Year
Kantor Akuntan Publik/ Public
Accounting Firm
Nama Akuntan (Perorangan) / Accountant
Name (Individual)Biaya / Cost
2014 KAP Moore Stephens Mulyamin Sensi Suryanto dan Lianny Rp880.000.000,-
2013 KAP Moore Stephens Mulyamin Sensi Suryanto dan Lianny Rp742.500.000,-
2012 KAP Moore Stephens Mulyamin Sensi Suryanto dan Lianny Rp660.000.000,-
TRANSAKSI YANG MENGANDUNG BENTURAN KEPENTINGAN
Selama 2014, tidak terjadi transaksi yang mengandung
benturan pada Bank Sinarmas.
PERKARA PERUSAHAAN
Jumlah perkara hukum yang harus dihadapi Bank Sinarmas
pada 2014 adalah sebagai berikut:
Permasalahan Hukum / Legal CaseJumlah / Total
Perdata / Civil Pidana / Criminal
Telah Selesai / Resolved 1 -
Dalam Proses Penyelesaian / On Progress 1 -
Total / Total 2 -
Perkara hukum yang dihadapi Perseroan tidak memiliki
pengarus signifikan pada kegiatan Perseroan.
AKSES INFORMASI PERUSAHAAN
Perusahaan berkomitmen untuk melaksanakan prinsip
keterbukaan, untuk itu Perusahaan selalu menyampaikan
informasi tentang Perusahaan melalui website Perusahaan www.
banksinarmas.com. Selain itu, Perusahaan juga menyampaikan
perkembangan Perusahaan mengenai Informasi Material dan
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014384
Keterbukaan Informasi yang Perlu Diketahui Publik secara
teratur kepada PT Bursa Efek Indonesia (BEI) dan OJK sesuai
dengan peraturan yang berlaku.
BUY BACK SHARES DAN BUY BACK OBLIGASI BANK
Selama 2014, tidak terjadi buy back share dan/atau buy back
obligasi Bank pada Bank Sinarmas.
KODE ETIK DAN PEDOMAN TINGKAH LAKU
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.
Information and Public Information to Know regularly to the
Indonesia Stock Exchange (IDX) and the FSA in accordance with
applicable regulations.
BUY BACK SHARES AND BUY BACK OBLIGASI BANK
There was no buy back share and/or bonds buy back in 2014.
CODES OF CONDUCT
The code of conduct has been socialized and applied to all
divisions of the Bank Sinarmas, including BOC, Committees
under the Board of Commissioners and Board of Directors,
employees, consultants and others who work with Bank
Sinarmas, or that represent the Bank Sinarmas directly or
indirectly.
Any individual violating the code of conduct, policies and
procedures of Bank Sinarmas or statutory provisions in force
will be charged with indisciplinary action, including termination
of employment. Violations of laws may also result in legal
action and including fines, with regard to some things, criminal
penalties for perpetrators, supervisors and/or the company.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 385
1
3
5
2
4
6
6 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
Tanggung jawab kepada Bank Sinarmas / Responsibility to Bank Sinarmas
Tanggung jawab tempat kerja /Responsibility in workplace
Mewakili Bank Sinarmas dan pihak luar lainnya /Representing Bank Sinarmas and other external parties
Kerahasiaan /Confidentiality
Kegiatan Investasi /Investment
Kepatuhan pada PeraturanCompliance to Regulation
BUDAYA BANK SINARMAS
1 Integrity Bertindak sesuai ucapan/janji sehingga dapat menumbuhkan kepercayaan pihak lain / Acts according to promises in order to earn trust fromothers
Kejujuran / Honesty
• Memberikan pendapat yang sesuai dengan kebenaran• Berbicara berdasarkan fakta dan data• Memastikan tidak adanya ‘conflict of interest’ yang dapat
menimbulkan bias dalam pengambilan keputusan yang dapat merugikan perusahaan
• Givingopinionsbasedontruth• Speakuponfactsanddata• Ensurenoconflictofinterestthatcouldarisebiasindecision-making
process, in its ability to bring loss for the company
Walk The Talk • Menepati janji• Menjalankan, menindaklanjuti serta bertanggungjawab atas
keputusan yang telah disepakati dan ditetapkan
• Fulfillingpromises• Conduct,follow-up,andberesponsibleofagreedanddetermined
decisions.
Conscience • Menjaga dan melindungi kepentingan Perusahaan sebaik-baiknya• Memastikan perusahaan tidak dirugikan dalam hal waktu, materi,
sumber daya dan tindakan apapun yang dilakukan
• To preserve and protect the interest of the Company at any cost• Ensure that company is not losing time, materials, and resources on
any conducted actions
BANK SINARMAS CULTURE
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014386
2 Positive attitude Menampilkan perilaku yang mendukung terciptanyalingkungan kerja yang saling menghargai dan kondusif / Demonstrate supporting behaviors to create a full respectand 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 company and all parties involved.
Respect others • Mendengarkan dan menghormati pendapat rekan kerja dalam setiap kesempatan
• Memberikan pujian/penghargaan kepada yang berhasil melaksanakan tugas dan tanggung jawab atau yang menunjukkan penerapan nilai-nilai perusahaan secara konsisten
• Listening and respecting opinions from colleagues in every opportunities.
• Expressing a praise/appreciation to those who succeed in completing their assignments and responsibilities or demonstrate company values consistently
Team work • Memberikan kontribusi berarti dalam melaksanakan tugas• Mencari solusi terbaik demi kepentingan perusahaan
• Contributing in conducting the duties• Seeking the best solutions for company’s interest
Positive working environment
• Melaksanakan proses dialog dalam berkomunikasi• Mendorong rekan kerja untuk senatiasa bertindak positif dalam
mencetuskan pendapat atau mengupayakan solusi tanpa berusaha mendiskreditkan rekan kerja/bagian lain.
• Conductingconversationprocessincommunication• Encouragingcolleaguestocontinuouslythinkpositivelyinsharing
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 • Menunjukkan kedisiplinan dalam hal waktu dan upaya yang dilakukan• Memperlihatkan antusiasme dalam melaksanakan pekerjaan
• Demonstrating time disciplinary and efforts conducted • Showing enthusiasm at working
Strive to be the best
Senantiasa merasa tidak puas diri atas pencapaian sekarang dan terus bertekad mewujudkan hasilterbaik dalam setiap kesempatan, dimana ‘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
• Menyelesaikan pekerjaan yang telah dimulai dengan sepenuh hati.• Menunjukkan usaha optimal untuk mencapai hasil terbaik dalam
rentang waktu yang telah ditetapkan.
• Finishing duties with full of heart.• Demonstrating optimum efforts to achieve best result within targeted
timeline.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 387
4 Continuous 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, memproses dan memberikan data serta informasi secara akurat.
• Memastikan bahwa data yang diberikan dapat mendukung pengambilan keputusan yang terbaik bagi perusahaan.
• Gaining, processing, and delivering data as well as accurate information
• 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.
Process excellence
• Memastikan terjadinya zero defect untuk mewujudkan hasil terbaik• Melaksanakan proses bisnis secara benar/sesuai standard operation
procedure (SOP).• Melakukan review SOP secara berkesinambungan untuk memastikan
bahwa SOP tersebut sesuai dengan perkembangan perusahaan dan industri
• Ensuring that zero defect happens in order to achieve the best result • Conducting correct business process according to Standard Operation
Procedure (SOP) • 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 company’s growth.
Bench marking • Mempelajari praktek bisnis terbaik lewat bacaan, sharing session, pelatihan, magang, atau kunjungan ke unit kerja/perusahaan terbaik
• Menceritakan praktek bisnis terbaik yang dipelajari kepada rekan kerja dalam satu divisi/ perusahaan
• Menerapkan praktek bisnis terbaik di lingkungan kerjanya, yang dapat meningkatkan kemajuan perusahaan
• Learning best business practice through sharing session, training, internship, or working unit visit/best company.
• Sharing best business practice learned to colleagues in a division/Company.
• Implementing best business practice in its working environment, that can develop Company’s growth.
Breaktrough • Merancang ulang dan/atau secara terus menerus melakukan perbaikan proses bisnis yang dibutuhkan
• Melaksanakan pengembangan inisiatif baru yang dapat meningkatkan kinerja individu, unit kerja dan perusahaan
• Redesigning and/or continuously conducting needed business process • Conducting new initiative development to improve individual working
performance, working unit, and companies
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014388
6 Loyal Menumbuhkembangkan semangat untuk mengerti, memahami dan melaksanakan nilai-nilai perusahaan sebagai bagian dari Keluarga Besar Sinar Mas./ Growing spirit to understand, comprehend, and apply company’s values as part of Sinarmas big family.
Fraternity • Menjaga nama baik perusahaan pada setiap kesempatan, dimanapun berada, di dalam maupun di luar perusahaan.
• Menjaga kepentingan/informasi/sumber daya/asset perusahaan dengan sebaik-baiknya dan dalam kondisi apapun, tidak akan pernah memberikannya kepada pihak manapun yang tidak berkepentingan
• Protecting Company’s good reputation in every opprtunity, in or outside the Company
• Maintaining Company’s interests/information/resources/asset at best effort in every condition and would not be willing to hand them to unrelated parties.
Pride • Merekomendasikan orang-orang yang berpotensi untuk bergabung dengan perusahaan
• Menceritakan hal-hal yang positif mengenai perusahaan dalam setiap kesempatan
• Menjadi ‘role model’ dari penerapan nilai-nilai perusahaan
• Giving recommendation of potential individuals to join the Company• Spreading positive things about company in every opportunity • Being a role model in applying Company’s values
Dedication • Melihat setiap tugas/pekerjaan sebagai hal penting yang bermanfaat bagi kemajuan Perusahaan
• Menunjukkan usaha cerdas dan kertas dalam melaksanakan pekerjaan
• Seeing that every duty/assignment is beneficial and important matter for Company’s growth
• Demonstrating clever efforts in conducting their duties.
SISTEM PELAPORAN PELANGGARAN
Berdasarkan 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 Whistle Blowing pada 7
November 2012 melalui SE.023/2012/PRESDIR-SKAI.
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 SYSTEM
Based on BAPEPAM Regulation No:KEP-431/BL/2012 dated
August 1, 20012 regarding Annual Report of Issuer or Public
Company, the Company must report violation reporting
system. The Company has also issued Whistleblowing policy on
November 7, 2012 through SE.023/2012/PRESDIR-SKAI.
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.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 389
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 Audit dan 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 Atasan langsung, SKAI, Anti Fraud dan media Loss
Event Database (LED) yang dimonitor langsung oleh SKMR.
Perlindungan bagi Pelapor
Untuk memberikan perlindungan kepada pemberi infomasi/
pelapor, Manajemen akan menjamin kerahasiaan identitas
pelapor, sehingga karyawan mendapatkan kebebasan untuk
melaporkan adanya tindakan penyimpangan/pelanggaran.
Manajemen akan memberikan penghargaan kepada karyawan
yang memberikan pengaduan peyimpangan/pelanggaran,
apabila pengaduan yang disampaikan terbukti benar.
Penanganan Pengaduan
Tindak lanjut laporan yang disampaikan oleh whistleblower dan
mekanisme penanganannya dilakukan oleh Divisi Anti Fraud.
Pihak Pengelola Pengaduan
Untuk memastikan bahwa setiap pelaporan ditangani sesuai
dengan ketentuan yang berlaku, maka pengelolaan pengaduan
dilakukan oleh Divisi Anti Fraud.
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 intern, serta memotivasi
seluruh pihak/karyawan untuk menghindari kegiatan/transaksi
yang dapat berpotensi/berakibat merugikan perusahaan atau
dapat mengganggu perusahaan beroperasi secara aman.
Whistleblowing Report
A report by a Whistleblower needs to be followed up, including
the infliction of proper punishment in order to provide a
deterrent effect for the offender and for those who consider
to do the same frauds.Therefore, each submitted information/
report is followed up professionally, and if it is necessary
an Audit Team will be assigned to investigate/observe the
submitted information. The report can be submitted by the
employee by a sealed letter, email to Directors and the Internal
Audit Working Unit and the Loss Event Database (LED) medium,
which is monitored directly by the Risk Management Working
Unit.
Whistleblower Protection
To protect whistleblower, management guarantee the
confidentiality of the whistleblower identity, so that employees
are free to report any act of infringements/frauds. If the report
is proven true, the management will provide awards to the
employee, who delivers the report on frauds/violations.
Handling of Complaints
The report delivered by a whistleblower is followed up and
handled by the Anti Fraud Division.
Management of Complaints
To ensure that every complaint is handled according to existing
regulation, the management of complaints is carried out by
Anti Fraud Division.
Result on the Handling of Complaints
Result on the complaints handling were submitted by the
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.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014390
PENYIMPANGAN INTERNAL
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, Perseroan mengeluarkan kebijakan penerapan
strategi anti fraud melalui Surat Keputusan No.SK.007/2012/
PRESDIR-SKAI tentang Kebijakan Anti Fraud Management
tanggal 1 Juni 2012. Ini merupakan wujud komitmen
manajemen Bank dalam mengendalikan fraud yang diterapkan
dalam bentuk sistem pengendalian fraud. Selama ini, Bank
Sinarmas telah memiliki strategi anti-fraud yang diatur pada
setiap Kebijakan, Standar Operasional Prosedur, Petunjuk
Teknis Operasional, dan pengaturan lainnya.
Strategi Anti-Fraud mencakup hal-hal sebagai berikut:
1. 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, melakukan
pencocokan alamat, dengan siapa tinggal. Jika
pernah bekerja di tempat lain, lakukan konfirmasi
ke tempat kerja sebelumnya, lakukan BI Checking,
serta periksa track recordnya.
- 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.
INTERNAL FRAUD
In fulfilling Circular Letter of Bank Indonesia No. 13/28/DPNP
dated December 9, 2011 regarding Implementation of Anti-
Fraud Strategy for Commercial Bank, and as one of enhancement
parts of Internal Bank Controlling System Policy, the Company
issued policy of Anti-Fraud strategy implementation through
Decree No.SK.007/2012/PRESDIR-SKAI regarding Policy of
Anti-Fraud Management dated June 1, 2012. This is one of
a commitments of Bank management in controlling fraud
implemented in the form of fraud controlling system. Until
now, Bank Sinarmas has several anti-fraud strategy determined
in every policy, SOP, operational technical guidance, and other
regulations.
Anti-Fraud Strategy includes as follows:
1. 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.
- 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 anti-
fraud on the morning briefing.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 391
d. Each new employee must read and sign a declaration of
anti-fraud.
e. Identifying vulnerabilities in working environment.
2. 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
(SE.023/2012/PRESDIR-SKAI dated June 7, 2012),
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.
3. 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 the
Director, the Board of Commissioners, the Financial Services
Authority and Bank Indonesia, including the proposed
sanctions for actor of fraud.
4. Monitoring, Evaluating & Following-up Pillar
Is the responsibility of the Director of Internal Audit and
part of Fraud Control Systems in monitoring the followed-
up results of the investigation 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.
d. Setiap karyawan baru wajib membaca dan
menandatangani deklarasi anti fraud.
e. Mengidentifikasi kerawanan di lingkungan kerja.
2. 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 dan atasan dari pelaku. 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 Whistle Blowing
(SE.023/2012/PRESDIR-SKAI tanggal 7 Juni 2012),
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 Infokan@
banksinarmas.com yang dikelola oleh Divisi Anti Fraud.
d. Untuk Surprise Audit dan Surveillance Audit merupakan
bagian dari Internal Control yang merupakan program
SKAI.
3. Pilar Investigasi, Pelaporan & Sanksi
Merupakan tanggung jawab dari Divisi Anti Fraud dan
bagian dari Sistem Pengendalian Fraud dalam rangka
penanganan fraud yang terjadi melalui investigasi dan
hasilnya dilaporkan kepada Direktur Utama, Dewan
Komisaris, OJK dan Bank Indonesia, termasuk usulan
pengenaan sanksi bagi para pelaku fraud.
4. Pilar Pemantauan, Evaluasi & Tindak Lanjut
Merupakan tanggung jawab dari Divisi 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.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014392
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. Impacting significantly to the Bank’s
financial condition means the fraud impact is more than IDR
100,000,000,- (One hundred million rupiahs). In general, any
deviation/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 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 2014, the
total internal fraud cases with loss/deviation above IDR 100
million during 2014 was 1 (one) case as described below:
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 outsorcing) 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 Semester I dan Semester II tahun 2014, maka
jumlah kasus penyimpangan internal (internal fraud) dengan
kerugian/penyimpangan diatas Rp100 juta selama periode
2014 adalah 1 (satu) kasus, sebagaimana dijelaskan dalam
tabel berikut:
Internal Fraud
Jumlah Kasus yang Dilakukan oleh / Number of case committed by
Pengurus / ManagementPegawai Tetap /
Permanent Employee
Pegawai Tidak Tetap / Non-Permanent
Employee
2013 2014 2013 2014 2013 2014
Fraud Nihil Nihil 2 (dua) Nihil Nihil 1 (satu)
Telah terselesaikan / Settled Nihil Nihil 2 (dua) Nihil Nihil 1 (satu)
Dalam proses penyelesaian di internal Bank / Under internal settllement process
Nihil Nihil Nihil Nihil Nihil 1 (satu)
Belum diupayakan penyelesaiannya / Pending follow-up actions
Nihil Nihil Nihil Nihil Nihil Nihil
Telah ditindaklanjuti melalui proses hukum / Under litigation process
Nihil Nihil Nihil Nihil Nihil Nihil
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 393
BAD CORPORATE GOVERNANCE PRACTICE
Throughout 2014, the Bank did not conduct any matters
related to bad corporate governance practice. This practice
has the tendency to damage the corporate governance system
built by Bank Sinarmas. The information collected by the Bank
regarding this matter is as follows:
DIVERSITY OF THE COMPOSITION OF THE BOARD OF SUPERVISORS AND BOARD OF DIRECTORS
The quality of each individual of Bank Sinarmas is a significant
factor that support the Bank’s progress in the future. This
quality can be seen from the skills, competency, and working
ethos considered as the main key to success and progress of
the Bank. The qaulity certainly has to be possessed by all leaders
of the Company. Therefore, the Bank sees that there should
be various skills to support the increase in the competency to
fulfill the completeness of the expertise needed for the top
management, especially the Board of Commissioners and the
Board of Directors.
The implementation of corporate governance is designed
to create a climate that supports the real participation of all
stakeholders and diversit inthe composition of the Board of
Commissioners and the Board of Directors that fulfills various
aspects needed for qualification in academics, skills, age, and
on the basis of anti-discriminator principles.
PRAKTIK BAD CORPORATE GOVERNANCE
Selama 2014, Bank tidak melakukan segala hal yang berkaitan
dengan praktik-praktik bad corporate governance. Praktik ini
cenderung akan merusak sistem tata kelola yang telah dibangun
Bank Sinarmas. Adapun informasi yang dapat dihimpun Bank
mengenai hal ini adalah sebagai berikut :
No Keterangan / DescriptionPraktik /
Practice
1Adanya laporan sebagai Perusahaan yang mencemari lingkungan / Report as Company that causes
environmental pollutionNihil
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
3 Ketidakpatuhan 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 PSAKNihil
KEBERAGAMAN KOMPOSISI DEWAN PENGAWAS DAN DIREKS
Kualitas setiap individu Bank Sinarmas merupakan faktor
yang signifikan dalam menunjang kemajuan Bank di masa
mendatang. Kualitas ini dapat dilihat baik dari segi keterampilan,
kompetensi maupun etos kerja yang dipandang sebagai kunci
utama keberhasilan dan kemajuan Bank. Kualitas tersebut
tentunya harus dimiliki oleh para pimpinan Perusahaan. Oleh
karena itu, Bank memandang perlu adanya keterampilan yang
beragam untuk mendukung peningkatan kompetensi, guna
memenuhi kelengkapan keahlian yang diperlukan dalam jajaran
kepemimpinan, khususnya bagi jajaran Dewan Komisaris serta
Direksi.
Pelaksanaan tata kelola perusahaan dirancang untuk
menciptakan iklim yang mendorong adanya partisipasi konkret
seluruh pemangku kepentingan serta adanya keberagamanan
dalam susunan komposisi Dewan Komisaris maupun Direksi.
Keberagaman ini diwujudkan melalui pembentukan komposisi
Dewan Komisaris maupun Direksi yang memenuhi berbagai
aspek yang diperlukan baik dari segi kualifikasi akademis,
keterampilan, usia serta atas dasar prinsip anti diskriminasi.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014394
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 395
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
07
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014396
FILOSOFI DAN DASAR KEBIJAKAN TANGGUNG JAWAB
Dasar Kebijakan
Secara garis besar, kebijakan umum CSR yang diterapkan
dalam Perseroan adalah sebagai berikut:
1. Undang-undang RI No 8 tahun 1999 tentang Perlindungan
Konsumen.
2. Undang-undang RI No 13 tahun 2003 tentang
Ketenagakerjaan.
3. Undang-undang RI No 40 tahun 2007 tentang Perseroan
Terbatas.
4. Peraturan Bapepam-LK No.X.K.6 dan Keputusan Bapepam-
LK Nomor: KEP-431/BL/2012 tertanggal 1 Agustus 2012
Tentang Penyampaian Laporan Tahunan Emiten atau
Perusahaan Publik.
PHILOSOPHY AND BASIC POLICY OF RESPONSIBILITY
Basic Policy
In general, the general policies of CSR implemented in the
Company are as follows:
1. Law of the Republic of Indonesia No 8 year 1999 on
Consumer Protection.
2. Law of the Republic of Indonesia No. 13 year 2003 on
Manpower.
3. Law of the Republic of Indonesia No. 40 on Limited Liability
Companies.
4. Bapepam-LK Regulation No.X.K.6 and Bapepam-LK
Decision Number: KEP-431/BL/2012 dated August 1, 2012
on Submission of Annual Reports for Issuers or Public
Companies.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 397
Strategic Objectives
Commitment to improve welfare of the society, educate future
generation and the public are the goals of Bank Sinarmas in
general. For the Bank, CSR implementation serves as social
investment that will enrich its mutual relationship with the
public; an action that will bring out performance and branding
improvement of Bank Sinarmas.
All corporate social responsibility program are included in
the Bank’s commitment to implement responsibility principle,
which will improve GCG quality and create balance between
operational performance and profit growth with corporate
social responsibility.
Activities Overview
According to Bapepam-LK Regulation No.: KEP-431/BL/2012
dated August 1, 2012 about the Submission of Annual Report
of Public Company, Bank Sinarmas will report on social
responsibility reports that include:
1. Manpower, Occupational Health and Safety
2. Environment
3. Social and Community Development
4. Responsibility on Customer
Activities Cost
The total funds of Bank Sinarmas CSR in 2014 amounted to
Rp605,138,742 with details presented as follow:
Sasaran Strategis
Komitmen dalam mensejahterakan kehidupan masyarakat,
memberikan edukasi kepada generasi muda dan masyarakat
pada umumnya menjadi sasaran Bank Sinarmas. Bagi Bank
Sinarmas, pelaksanaan tanggung jawab sosial merupakan
investasi sosial yang akan memperdalam hubungan timbal balik
dengan masyarakat sehingga pada akhirnya dapat memberikan
dampak peningkatan kinerja dan branding Bank Sinarmas.
Seluruh program tanggung jawab sosial perusahaan termasuk
dalam komitmen Bank Sinarmas untuk menerapkan prinsip
responsibility dalam rangka meningkatkan kualitas GCG
perusahaan dan selalu berupaya menciptakan keselarasan
antara kinerja operasional dan pertumbuhan profit dengan
tanggung jawab sosial perusahaan.
Garis Besar Kegiatan
Sesuai butir-butir ketentuan Bapepam-LK Nomor: KEP-431/
BL/2012 tertanggal 1 Agustus 2012 Tentang Penyampaian
Laporan Tahunan Emiten atau Perusahaan Publik, selanjutnya
Bank Sinarmas akan menyampaikan laporan tanggung jawab
sosial, meliputi:
1. Ketenagakerjaan, Kesehatan dan Keselamatan Kerja
2. Lingkungan Hidup
3. Pengembangan Sosial dan Kemasyarakatan.
4. Tanggung jawab Terhadap Nasabah.
Biaya Kegiatan
Adapun total dana CSR Bank Sinarmas sepanjang 2014 sebesar
Rp605.138.742 dengan rincian pengelolaan dana CSR sebagai
berikut:
NoPragram CSR
CSR Program
Jumlah Dana yang Dianggarkan
Allocated Budget
1Ketenagakerjaan, Kesehatan dan Keselamatan Kerja / Manpower,
Occupational Health and Safety-
2 Lingkungan Hidup / Environment -
3Pengembangan Sosial dan Kemasyarakatan / Social and Community
DevelopmentRp567.380.242
4 Tanggung jawab Terhadap Nasabah / Responsibility to Customers Rp37.758.500
Jumlah / Total Rp605.138742
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014398
TANGGUNG JAWAB SOSIAL BIDANG KETENAGAKERJAAN, KESEHATAN DAN KESELAMATAN KERJA
Kebijakan
Fokus Bank Sinarmas dalam bidang Ketenagakerjaan,
Kesehatan dan Keselamatan Kerja diarahkan untuk membentuk
lingkungan kerja yang mampu mendukung pencapaian target
optimal. Kondisi kerja yang baik ini diwujudkan diantaranya
dengan memberikan kepastian mengenai jaminan kesehatan
dan keselamatan para pegawai saat bekerja.
Area kerja operasional Bank Sinarmas yang pada umumnya
dilakukan di sekitar perkantoran, memiliki tingkat risiko kerja
lebih rendah dibandingkan dengan area kerja sektor industri
lainnya. Namun bagi Bank Sinarmas, hal ini tidak mengurangi
upaya maksimum Bank Sinarmas dalam memberikan jaminan
kesehatan dan keselamatan kerja.
Kegiatan
Sejalan dengan konfigurasi kegiatan yang mayoritas berada
di dalam gedung bangunan, maka program Ketenagakerjaan,
Kesehatan dan Keselamatan Kerja Bank Sinarmas dijalankan
dengan lebih menitikberatkan pada pelaksanaan program
dasar untuk mencegah risiko kecelakaan kerja dan memastikan
kesehatan pegawai, salah satunya adalah latihan dalam
penanggulangan bencana.
Selain itu, Bank Sinarmas juga menerapkan program standar
keselamatan kerja di lingkungan kantor dengan menyiapkan
peralatan dasar keselamatan yang relevan dan memadai. Hal
ini ditunjang dengan pelaksanaan simulasi dalam waktu-waktu
tertentu perihal cara evakuasi dalam kondisi darurat.
Dampak Keuangan
Berbagai program tanggung jawab sosial di bidang
Ketenagakerjaan, Kesehatan dan Keselamatan Kerja yang
dilakukan Bank Sinarmas tidak memberikan dampak keuangan
yang signifikan.
CORPORATE SOCIAL RESPONSIBILITY ON MANPOWER, OCCUPATIONAL HEALTH AND SAFETY
Policy
Bank Sinarmas focuses on Manpower, Occupational Health
and Safety to establish a working environment that can
support the achievement of optimum target. This good
working condition is created by giving assurance on health
insurance and employees’ safety at work.
Bank Sinarmas’ operational area conducted around the office
has a lower level of risk compared to the other operational
areas of other industries. However, this does not dampen Bank
Sinarmas’ efforts to optimally provide health insurance and
occupational safety.
Activities
In line with the large portion of indoor activities of the Bank,
programs of Manpower, Occupational Health and Safety
of Bank Sinarmas focuses on the implementation of basic
program to prevent the risk of work accident and to ensure
the health of employees, one of which is training on disaster
management.
In addition, Bank Sinarmas implements safety standard
program in the office environment by preparing relevant
and proper basic safety equipment. This is supported by
conducting simulation at a specific time on the evacuation
procedure in time of emergency.
Financial Impact
Various social responsibility programs in Manpower,
Occupational Health and Safety conducted by Bank Sinarmas
do not contribute a significant financial impact to the Company.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 399
TANGGUNG JAWAB SOSIAL BIDANG LINGKUNGAN HIDUP
Kebijakan
Komitmen Bank Sinarmas terhadap kelestarian lingkungan
diimplementasikan melalui kebijakan untuk menjaga
lingkungan dimulai dari lingkungan Perseroan sendiri. Hal ini
dilakukan secara berkala, dengan harapan dapat membawa
perubahan ke lingkungan yang lebih besar.
Kegiatan
Hingga saat ini, pegawai dianjurkan secara ketat untuk
meminimalisasi penggunaan kertas dan energi listrik sebagai
bentuk kepedulian terhadap kelestarian bumi. Sebuah
langkah kecil yang dilakukan ini diharapkan dapat mendorong
kesadaran karyawan terhadap kelestarian lingkungan dan
kemudian mampu diterapkan di wilayah lebih besar sehingga
memberikan dampak lebih luas.
Dampak Keuangan
Berbagai program tanggung jawab sosial di bidang lingkungan
hidup yang dilakukan Bank Sinarmas tidak memberikan
dampak keuangan yang signifikan.
CORPORATE SOCIAL RESPONSIBILITY ON THE ENVIRONMENT
Policy
Bank Sinarmas’ commitment to preserve environment is
reflected on its self-starting policies to protect environment on
regular basis to generate enormous impact on surroundings.
Activity
Until now, the employees are strongly encouraged to minimize
the use of paper and energy as a form of concern on earth.
This small step is expected to raise the employees’ awareness
on environment so that they can contribute a greater role
in a greater environment and deliver enormous impact on
surroundings.
Financial Impact
Various social responsibility programs in environment
conducted by Bank Sinarmas do not contribute a significant
financial impact to the Company.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014400
TANGGUNG JAWAB SOSIAL BIDANG PENGEMBANGAN SOSIAL DAN KEMASYARAKATAN
Kebijakan
Sebuah komitmen Bank Sinarmas “We Always Care” dalam
menjalankan program CSR yang berfokus dalam bidang
sosial sebagai bentuk respon terhadap kebutuhan masyarakat
sekitar yang benar - benar membutuhkan. Program ini meliputi
pemberian dana bantuan dan kegiatan lain sebagai bentuk
kegiatan sosial yang dilakukan oleh masyarakat.
Kegiatan
Berikut kegiatan tanggung jawab sosial perusahaan dalam
bidang Pengembangan Sosial dan Kemasyarakatan selama
2014:
1. Sponsorship Donor Darah Palang Merah Indonesia
bersama Yayasan Budha Tzu Chi bulan Mei, September
dan Desember 2014.
2. Bantuan kepada korban banjir Manado melalui BMPD
Manado, Sulawesi Utara.
3. Bantuan kepada korban bencana letusan gunung Kelud
kepada 300 Kepala Keluarga di Desa Ringin Bagus dan
Dusun Tanggulmulyo, Kediri, Jawa Timur.
4. Bantuan kepada karyawan yang terkena dampak bencana
letusan gunung Kelud.
5. Bantuan berupa alat tulis, sembako, dan makanan bayi
kepada warga tidak mampu di Tangerang.
6. Pemberian bantuan kepada Panti Asuhan Santo Yusuf di
Cianjur berupa sembako.
7. Pelaksanaan Donor Darah Bank Sinarmas bersama Palang
Merah Indonesia bulan Mei dan November 2014.
8. Pelaksanaan kegiatan CSR Bank Sinarmas Cup di
Pekanbaru.
9. Bantuan pembangunan Gedung Serbaguna dan Balai
Pengobatan Gereja Mater Dei Lampersari, Semarang.
10. Pemberian bantuan kepada Panti Asuhan Santo Yusup di
Cianjur berupa 20 unit komputer layak pakai dan mesin
cuci.
11. Pemberian bantuan Sembako kepada Yayasan Yatim Al -
Yatama, Ternate.
CORPORATE SOCIAL RESPONSIBILITY ON SOCIAL AND COMMUNITY DEVELOPMENT
Policy
Bank Sinarmas employs “We Always Care” commitment in
implementing CSR program that focuses on social sector to
meet the demands of local communities in need. This program
includes the provision of donation and other activities as a form
of social activities performed by the people.
Activities
The following are corporate social responsibility program in
Social and Community Development in 2014:
1. Blood Donation Sponsorship of Indonesian Red Cross with
Tzu Chi Buddhism Foundation on May, September and
December 2014.
2. Donation for flood victims in Manado through BMPD
Manado, North Sulawesi.
3. Donation for victims of Kelud Mountain eruption to 300
Family Heads at Ringin Bagus Village and Tanggulmulyo
Village, Kediri, East Java.
4. Donation for employees affected by Kelud Mountain
eruption.
5. Donation in the form of stationary, staple food and baby
food to underpriviledged communities in Tangerang.
6. Donation of staple food for Santo Yusuf Orphanage in
Cianjur.
7. Conducting Bank Sinarmas Blood Donor with Indonesian
Red Cross on May and November 2014.
8. Implementation of Bank Sinarmas Cup in Pekanbaru
9. Support for construction of Multi-Purpose Building and
Mater Dei Church Clinic Lampersari, Semarang.
10. Donation for Santo Yusup in Cianjur in the form of 20
computer units and washing machines.
11. Donation of Staple Food to Al-Yatama Orphanage
Foundation, Ternate.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 401
12. Pemberian bantuan kepada Panti Asuhan Candranaya,
Bogor berupa 10 unit komputer layak pakai.
13. Bantuan pembangunan Museum Usman Janati Pangkalan
TNI Angkatan Udara Wirasaba, Purbalingga.
14. Kegiatan Bazaar Minyak Goreng bersama Korem 062,
Garut, Jawa Barat.
15. Kegiatan bersama LPPM Universitas Gajah Mada dalam
hal Program KKN Pemberdayaan Masyarakat Desa Kekait,
Lombok Barat, Nusa Tenggara Barat.
16. Kegiatan Saur Bersama anak - anak jalanan di Rumah
Singgah Dilts Foundation.
17. Kegiatan Bazaar Minyak Goreng di Universitas Teknologi
dan Universitas Gajah Mada, Yogyakarta.
18. Bantuan pembangunan gedung ibadah Gereja Kemah Injil
Indonesia, Bekasi.
19. Pemberian bantuan kepada Panti Asuhan Nurul Quran,
Bekasi berupa 20 unit komputer layak pakai dan 20 buah
alquran.
20. Pemberian bantuan wajan petani aren di Desa Kekait,
Lombok Barat.
21. Pemberian bantuan kepada Yayasan Karmel Keuskupan
Malang berupa 23 unit komputer layak pakai.
22. Pemberian bantuan berupa kacamata kepada 133
pengrajin batik lanjut usia di Pekalongan, Jawa Tengah.
23. Bantuan pembangunan Lapau Panjang Cimpago di kota
Padang.
24. Kegiatan Bakti Sosial wali murid dan Guru sekecamatan
Giri di sekolah Tunas Zaitun, Banyuwangi.
25. Bantuan pembangunan Perpustakaan SD Bestari Utami di
Garut, Jawa Barat.
26. Bantuan 1 (satu) unit mobil ambulance kepada Markas
Besar Angkatan Darat Sekolah Staf dan Komando.
27. Kegiatan renovasi pembangunan plafon Perpustakaan
Binaan Bank Sinarmas SDN 05 Nagasari, Karawang.
28. Pemberian bantuan kepada Panti Asuhan Candranaya,
Bogor berupa mesin cuci dan hadiah natal kepada anak
- anak yatim piatu.
Dampak Keuangan
Investasi sosial yang dilakukan oleh Bank Sinarmas melalui
berbagai program CSR dalam bidang Pengembangan Sosial
dan Kemasyarakatan telah menghabiskan dana sebesar
Rp567.380.242.
12. Donation for Candranaya Oprhanage, Bogor in the form
of 10 computer units.
13. The construction of Umsan Janati Museum, Indonesia Air
Force Base Wirasaba, Purbalingga.
14. Cooking Oil Bazaar with Korem 062, Garut, West Java.
15. Activities with LPPM Gajah Mada University in KKN
Program for Community Development of Kekait Village,
West Lombok, West Nusa Tenggara.
16. Sahur Gathering with street children in Dilts Foundation
Visitor House.
17. Cooking Oil Bazaar at Technology University and Gajah
mada University, Yogyakarta.
18. Construction of Kemah Injil Indonesia Church, Bekasi.
19. Donation to Nurul Quran Orphanage, Bekasi in the form
of 20 computer units and 20 Holy Quran books.
20. Donation of pan for palm sugar farmers at Kekait Village,
West Lombok.
21. Donation for Yayasan Karmel Keuskupan Malang in the
form of 23 computer units.
22. Donation of new glassess for 13 senior batik craftworkers
in Pekalongan, Central Java.
23. Construction of Lapau Panjang Cimpago at Padang.
24. Social Service activity of students and teachers at Giri
Subdistrict in Tunas Zaitun school, Banyuwangi.
25. Construction of Library at SD Bestari Utami in Garut, West
Java.
26. Donation of 1 (one) ambulance car to Indonesian Army
Headquarter, Staff and Command Academy.
27. Renovation and construction of Bank Sinarmas Supervised
Library ceiling of SDN 05 Nagasari, Karawang.
28. Donation for Candranaya Orphanage, Bogor in the form
of washing machines and Christmas present for the
orphans.
Financial Impact
The cost for social investment conducted by Bank Sinarmas
through numerous CSR program in Social and Community
Development was Rp567,380,242.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014402
TANGGUNG JAWAB SOSIAL TERHADAP NASABAH
Kebijakan
Program tanggung jawab sosial terhadap konsumen dijalankan
oleh Bank Sinarmas terutama kepada para nasabah, baik
nasabah simpanan, pinjaman, maupun jasa perbankan dengan
mengupayakan pelayanan prima dan sempurna.
Bank Sinarmas menyediakan ragam produk dan layanan jasa
perbankan yang senantiasa disesuaikan dengan kebutuhan
disertai kemudahan akses dan pelayanan optimal. Uraian lebih
lanjut tentang layanan Bank Sinarmas juga disajikan dalam
pembahasan “Bidang Usaha” halaman 49.
Kegiatan
Bank Sinarmas memiliki layanan untuk saran dan keluhan
nasabah melalui Bank Sinarmas CARE yang dapat dihubungi
lewat nomor (021) 501 88888 dan 1500 153 atau email ke
care@bank sinarmas.com. Selain itu, pada 2014 Bank Sinarmas
juga melakukan berbagai kegiatan CSR terhadap nasabah,
diantaranya:
1. Pemberian edukasi (pelatihan) Manajemen Usaha Mikro
kepada pengusaha Mikro / Kecil di Jogjakarta.
2. Pemberian edukasi perbankan kepada anak - anak Sekolah
Dasar di SDN 02, Lebak Bulus dan bantuan berupa 20 unit
komputer layak pakai.
Dampak Keuangan
Dampak keuangan atas program CSR kepada nasabah meliputi
kegiatan pemberian edukasi (pelatihan) Manajemen Usaha
Mikro di Jogjakarta dan Edukasi Perbankan kepada anak - anak
Sekolah Dasar di SDN 02, Lebak Bulus serta bantuan berupa 20
(dua puluh) unit komputer layak pakai sebesar Rp37.758.500.
CORPORATE SOCIAL RESPONSIBILITY TO THE CUSTOMERS
Policy
Social responsibility programs to customers are conducted
by Bank Sinarmas, especially to customers’ savings, debtors
or bank customers by striving to always deliver service
excellence.
Bank Sinarmas provides a wide range of banking products
and services that are always adjusted to the needs, coupled
easy access and optimal service. Further descriptions of the
services is also presented in the section of “Line of Business”
on page 49.
Activities
Bank Sinarmas provides service for customers opinion and
complain through Bank Sinarmas CARE by contacting (021)
501 88888 and 1500 153 or by email to care@banksinarmas.
com. In addition, Bank Sinarmas performed CSR activities such
as:
1. Training on Micro Business Managemnt to Micro/Small
businss etrepreneurs in Jogjakarta.
2. Providing banking education to Elementary School students
at SDN 02, Lebak Bulus in addition to 20 computer units.
Financial Impact
Financial impact on CSR program for customers covers
education on Micro-Business Management in Jogjakarta and
Banking Education for Elementary School students at SDN
02, Lebak Bulus and donation of 20 (twenty) computer units
amounted to Rp37,758,500.
Halaman ini sengaja dikosongkanThis page is intentionally left blank
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014404
Jakarta,24 April 2015
Surat Pernyataan Anggota Dewan Komisaris dan Anggota Direksi Tentang Tanggung Jawab atas Laporan Tahunan 2014PT. Bank Sinarmas Tbk. Statement of Members of Board of Commissioners and Members Board of Directors on the Responsibility for the 2014 Annual Report of PT. Bank Sinarmas Tbk.
Kami yang bertanda tangan di bawah ini menyatakan bahwa semua informasi dalam Laporan Tahunan PT. Bank Sinarmas Tbk. tahun 2014 telah dimuat secara lengkap dan bertanggung jawab penuh atas kebenaran isi laporan tahunan dan laporan keuangan perusahaan.
Demikian pernyataan ini dibuat dengan sebenarnya.
We, the undersigned, testify that all information in the Annual Report of PT. Bank Sinarmas Tbk. for 2014 is presented in its entirety and we are fully responsible for the correctness of the contents in the Annual Report and Financial Report of the Company.
This statement is hereby made in all truthfulness.
Tjendrawati Widjaja Komisaris Utama
President Commissioner
RusminKomisaris Independen
Independent Commissioner
Sammy KristamuljanaKomisaris Independen
Independent Commissioner
Dewan KomisarisBoard of Commissioners
Annual Report 2014 | PT. BANK SINARMAS Tbk. 405
Heru Agus WuryantoDirekturDirector
Halim Direktur Director
Freenyan LiwangDirektur UtamaPresident Director
Loa Johnny MailoaDirekturDirector
DireksiBoard of Directors
Hanafi HimawanDirektur IndependenIndependent Director
Salis Teguh HartonoDirektur IndependenIndependent Director
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014406
Referensi Otoritas Jasa Keuangan (OJK) / Financial Services Authority Reference
KRITERIA / CRITERIA PENJELASAN / DESCRIPTIONHALAMAN /
PAGE
I. Umum / General
Laporan tahunan disajikan dalam bahasa Indonesia yang baik dan benar dan dianjurkan menyajikan juga dalam bahasa Inggris.
Annual Report is presented in good and correct Indonesian and it is recommended to present the report also in English.
√
Laporan tahunan dicetak dengan kualitas yang baik dan menggunakan jenis dan ukuran huruf yang mudah dibaca.
Annual report is printed in good quality and use type and font so that the text is easy to read.
√
Laporan tahunan mencantumkan identitas perusahaan dengan jelas.
Annual report should state clearly the identity of the company.
Nama Perusahaan dan Tahun Annual Report ditampilkan di:1. Sampul muka;2. Samping; 3. Sampul belakang; 4. Setiap halaman
Name of company and year of the annual report is placed on:1. The front cover;2. Side; 3. Back Cover; 4. Each page
√
Laporan tahunan ditampilkan di website perusahaan
Annual Report is presented in the company’s website
√
II. Ikhtisar Data Keuangan Penting / Financial data Highlights
Informasi hasil usaha perusahaan dalam bentuk perbandingan selama 3 (tiga) tahun buku atau sejak memulai usahanya jika perusahaan tersebut menjalankan kegiatan usahanya selama kurang dari 3 (tiga) tahun.
Financial information in comparative form over a period of 3 financial years or since the commencement of business if the company has been running its business activities for less than 3 years.
Informasi memuat antara lain:1. Penjualan/pendapatan usaha2. Laba (rugi)3. Total laba (rugi) komprehensif4. Laba (rugi) per saham
The information includes:1. Sales/income from business2. Gross profit (loss)3. Comprehensive profit (loss)4. Profit (loss) per share
8
Informasi posisi keuangan perusahaan dalam bentuk perbandingan selama 3 (tiga) tahun buku atau sejak memulai usahanya jika perusahaan tersebut menjalankan kegiatan usahanya selama kurang dari 3 (tiga) tahun.
Financial position information in comparative form over a period of 3 financial years or since the commencement of business if the company has been running its business activities for less than 3 years.
Informasi memuat antara lain:1. Modal kerja bersih2. Jumlah investasi pada entitas asosiasi dan/atau
joint venture 3. Jumlah aset4. Jumlah liabilitas5. Jumlah ekuitas
The information includes:1. Net operating capital2. Total investment in associate entities and/or joint
venture3. Total Assets4. Total Liabilities5. Total equities
8
Rasio keuangan dalam bentuk perbandingan selama 3 (tiga) tahun buku atau sejak memulai usahanya jika perusahaan tersebut menjalankan kegiatan usahanya selama kurang dari 3 (tiga) tahun.
Financial ratio in comparative form over a period of 3 (three) financial years or since the commencement of business if the company has been running its business activities for less then 3 (three) years.
Informasi memuat 5 (lima) rasio keuangan yang umum dan relevan dengan industri perusahaan.
Information includes 5 (five) financial ratios that are common and relevant to the industry the company.
8-9
Informasi harga saham dalam bentuk tabel dan grafik.
Share price information in the form of chart and table.
Informasi dalam bentuk tabel dan grafik yang memuat: 1. Jumlah saham yang beredar; 2. Kapitalisasi pasar;3. Harga saham tertinggi, terendah, dan
penutupan; dan4. Volume perdagangan untuk setiap masa
triwulan dalam 2 (dua) tahun buku terakhir (jika ada).
Information in the form of chart and table includes:1. Total outstanding shares2. Market capitalization 3. The highest, lowest, and closing price of share4. Trading volume on a quarterly basis during the last
2 (two) fiscal years.10-11
Informasi mengenai obligasi, sukuk atau obligasi konversi yang masih beredar dalam 2 (dua) tahun buku terakhir.
Information on outstanding bond, sukuk or convertible bond within the las 2 (two) fiscal years.
Informasi memuat:1. Jumlah obligasi/sukuk/obligasi konversi yang
beredar (outstanding)2. Tingkat bunga/imbalan3. Tanggal jatuh tempo4. Peringkat obligasi/sukuk
The information contains:1. The number of bonds/sukuk/outstanding bonds2. The interest Rate / exchange3. Date of maturity4. The rating of bonds / sukuk
N/A
III. Laporan Dewan Komisaris dan Direksi / Board of Commissioners and Board of Directors Report
Laporan Dewan Komisaris Board of Commissioners’ Report Memuat hal-hal sebagai berikut:1. Penilaian atas kinerja Direksi mengenai
pengelolaan perusahaan2. Pandangan atas prospek usaha perusahaan
yang disusun oleh Direksi.3. Perubahan komposisi Dewan Komisaris dan
alasan perubahannya (jika ada)
Contains the following items:1. Assessment on the performance of the Board of
Directors in managing the company.2. View on the prospects of the company’s business
as established by the Board of Directors.3. Changes in the composition of the Board of
Commissioners (if any).
22-29
Laporan Direksi Board of Directors’ Report Memuat hal-hal sebagai berikut:1. Analisis atas kinerja perusahaan, yang
mencakup antara lain kebijakan strategis, perbandingan antara hasil yang dicapai dengan yang ditargetkan, dan kendala-kendala yang dihadapi perusahaan
2. Gambaran tentang prospek usaha 3. Penerapan tata kelola perusahaan 4. Perubahan komposisi anggota Direksi dan
alasan perubahannya (jika ada)
Contains the following items:1. Analysis of company’s performance, encompassing
strategic policies, comparison between achievement of results and targets and challenges faced by the company
2. Description of business outlooks3. The implementation of good corporate
governance4. Changes in the composition of the Board of
Directors (if any)
30-39
Referensi Otoritas Jasa Keuangan (OJK)OJK References
Annual Report 2014 | PT. BANK SINARMAS Tbk. 407
Referensi Otoritas Jasa Keuangan (OJK) / Financial Services Authority Reference
KRITERIA / CRITERIA PENJELASAN / DESCRIPTIONHALAMAN /
PAGE
Tanda tangan anggota Direksi dan anggota Dewan Komisaris
Signature of members of the Board of Directors and Board of Commissioners
Memuat hal-hal sebagai berikut:1. Tanda tangan dituangkan pada lembaran
tersendiri2. Pernyataan bahwa Direksi dan Dewan Komisaris
bertanggung jawab penuh atas kebenaran isi laporan tahunan.
3. Ditandatangani seluruh anggota Dewan Komisaris dan anggota Direksi dengan menyebutkan nama dan jabatannya
4. Penjelasan tertulis dalam surat tersendiri dari yang bersangkutan dalam hal terdapat anggota Dewan Komisaris atau Direksi yang tidak menandatangani laporan tahunan, atau: penjelasan tertulis dalam surat tersendiri dari anggota yang lain dalam hal tidak terdapat penjelasan tertulis dari yang bersangkutan
Contains the following items:1. Signatures are set on a separate page.
2. Statement that the Board of Directors and the Board of Commissioners are fully responsible for the accuracy of the annual report.
3. Signed by all members of the Board of Commissioners and Board of Directors, stating their names and titles/positions.
4. A written explanation in a separate letter from each member of the Board of Commissioners or Board of Directors who refuses to sign the annual report, or: written explanation in a separate letter from the other members in the event that there is no written explanation provided by the said member.
404-405
IV. Profil Perusahaan / Company Profile
Nama dan alamat lengkap perusahaan
Name and address of the Company
Informasi memuat antara lain nama dan alamat, kode pos, no. Telp, no. Fax, email, dan website
Information on name and address, zip code, telephone and or facsimile, email, website.
42
Riwayat singkat perusahaan Brief history of the company Mencakup antara lain: tanggal/tahun pendirian, nama, dan perubahan nama perusahaan (jika ada).
Includes date/year of establishment, name, and change in the company name (if any)
43-44
Bidang usaha Line of Business Uraian mengenai antara lain:1. Kegiatan usaha perusahaan menurut anggaran
dasar terakhir; dan2. Penjelasan mengenai produk dan/atau jasa yang
dihasilkan
Description about:1. Line of business based on the latest articles of
association; and2. Description of products/services
46-57
Struktur organisasi Organizational Structure Dalam bentuk bagan, meliputi nama dan jabatan paling kurang sampai dengan struktur satu tingkat di bawah direksi
In the form of a chart, giving the names and titles at the least until one level below the Board of Directors. 64-65
Visi dan misi perusahaan Company Vision and Mission Mencakup:1. visi perusahaan;2. misi perusahaan; dan3. keterangan bahwa visi dan misi tersebut telah
disetujui oleh Direksi/Dewan Komisaris
Including:1. Corporate vision2. Mission; and3. Statement that the vision and mission has been
approved by the Board of Directors/Board of Commissioners
45
Identitas dan riwayat hidup singkat anggota Dewan Komisaris
Identity and brief curriculum vitae of the members of the Board of Commissioners;
Informasi memuat antara lain: 1. Nama 2. Jabatan (termasuk jabatan pada perusahaan
atau lembaga lain) 3. Umur 4. Pendidikan 5. Pengalaman kerja 6. Tanggal penunjukan pertama kali sebagai
anggota Dewan Komisaris
The information should contain:1. Name2. Position (including position in other companies/institutions)3. Age4. Education5. Working experience6. The first appointment date as member of Board of
Commissioners
66-68
Identitas dan riwayat hidup singkat anggota Direksi
Identity and brief curriculum vitae of the members of the Board of Directors;
Informasi memuat antara lain:1. Nama2. Jabatan (termasuk jabatan pada perusahaan
atau lembaga lain)3. Umur4. Pendidikan5. Pengalaman kerja6. Tanggal penunjukan pertama kali sebagai
anggota Direksi
The information should contain:1. Name2. Position (including position in other companies/institutions)3. Age4. Education5. Working experience6. The first appointment date as member of Board of
Directors
69-76
Jumlah karyawan (komparatif 2 tahun) dan deskripsi pengembangan kompetensinya (misal: aspek pendidikan dan pelatihan karyawan)
Number of employees (comparative in 2 years) and description of competence building (for example: education and training of employees)
Informasi memuat antara lain:1. Jumlah karyawan untuk masing-masing level
organisasi2. Jumlah karyawan untuk masing-masing tingkat
pendidikan3. Pelatihan karyawan yang telah dilakukan
dengan mencerminkan adanya persamaan kesempatan kepada seluruh karyawan
4. Biaya yang telah dikeluarkan
The information should contain:1. The number of employees for each level of the
organization.2. The number of employees for each level of
education3. Training of employee that has been and will be
conducted
4. Availability of equal opportunity to all employees
84-87
Komposisi pemegang saham Composition of shareholders Mencakup antara lain:1. Nama pemegang saham yang memiliki 5% atau
lebih saham2. Nama direktur dan komisaris yang memiliki
saham3. Kelompok pemegang saham masyarakat
dengan kepemilikan saham masing-masing kurang dari 5%,dan persentase kepemilikannya
Should include:1. Names of shareholders having 5% or more shares.2. Names of Directors and Commissioners owning shares3. Public shareholders having respective share
ownership of less than 5% and its percentage
80-81
Daftar entitas anak dan/atau entitas asosiasi
List of subsidiaries and/or affiliated companies
Informasi memuat antara lain :
1. Nama entitas anak dan/atau asosiasi2. Persentase kepemilikan saham
3. Keterangan tentang bidang usaha entitas anak dan/atau entitas asosiasi
4. Keterangan status operasi entitas anak dan/atau entitas asosiasi (telah beroperasi atau belum beroperasi)
The information should include:1. Name of subsidiaries/affiliated companies2. Percentage of share ownership3. Information on the line of business of subsidiaries and/or associate entities4. Explanation regarding the operational status of the
subsidiary or affiliated company (already operating or not yet operating)
106-125
Referensi Otoritas Jasa Keuangan (OJK)OJK References
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Struktur grup perusahaan Structure of company’s group Struktur grup perusahaan yang menggambarkan entitas anak, entitas asosiasi, joint venture, dan special purpose vehicle (SPV), atau pernyataan tidak memiliki grup
Structure of company’s group describing subsidiaries, associate entities, joint venture, and special purpose vehicle (SPV), or statement of having no group.
78-79
Kronologis pencatatan saham Share-listing chronology Mencakup antara lain:1. Kronologis pencatatan saham2. Jenis tindakan korporasi (corporate action) yang
menyebabkan perubahan jumlah saham3. Perubahan jumlah saham dari awal pencatatan
sampai dengan akhir tahun buku4. Nama bursa dimana saham perusahaan
dicatatkan
Includes:1. Share-listing chronology2. Types of corporate action causing changes in the
number of shares3. Changes in the number of shares from the
beginning of listing up to the end of the financial year
4. Name of Stock Exchange where the company’s shares are listed
N/A
Kronologis pencatatan efek lainnya; Other securities listing chronology
Mencakup antara lain:1. Kronologis pencatatan efek lainnya2. Jenis tindakan korporasi (corporate action) yang
menyebabkan perubahan jumlah efek lainnya3. Perubahan jumlah efek lainnya dari awal
pencatatan sampai dengan akhir tahun buku4. Nama Bursa dimana efek lainnya dicatatkan5. Peringkat efek
Includes:1. Other securities listing chronology2. Types of corporate action causing changes in the
number of securities3. Changes in the number of securities from the
initial listing up to the end of the financial year4. Name of Stock Exchange where the company’s
securities are listed5. Rating of the securities
N/A
Nama dan alamat lembaga dan atau profesi penunjang pasar modal
Name and address of institution and or profession supporting the capital market
Informasi memuat antara lain:1. Nama dan alamat BAE2. Nama dan alamat Kantor Akuntan Publik3. Nama dan alamat Perusahaan Pemeringkat Efek
The information contains:1. Name and address of BAE2. Name and address of Public Accounting Firm3. Name and address of share registrar
103
Penghargaan dan/atau sertifikasi yang diterima perusahaan baik yang berskala nasional maupun internasional
Awards and/or certificates received by the company, both at national and international level
Informasi memuat antara lain:1. Nama penghargaan dan/atau sertifikasi2. Tahun perolehan3. Badan pemberi penghargaan dan/atau sertifikasi4. Masa berlaku (untuk sertifikasi)
Information should include:1. Name of the awards and/or certification2. Year when awards are received3. Institution presenting the awards/ceritication4. Period of validity (for certification)
18-19
Nama dan alamat entitas anak dan/atau kantor cabang atau kantor perwakilan (jika ada)
Name and address of subsidiaries and/or branch office or representative office (if any)
106-125
V. Analisis dan Pembahasan Manajemen atas Kinerja Perusahaan / Managament Discussion and Analysis
Tinjauan operasi per segmen usaha Operational review per business segment
Memuat uraian mengenai:1. Produksi/kegiatan usaha;2. Peningkatan/penurunan kapasitas produksi;3. Penjualan/pendapatan usaha;4. Profitabilitas; untuk masing-masing segmen usaha yang
diungkapkan dalam laporan keuangan (jika ada)
Includes description of:1. Products/line of business;2. Increase/decrease in production capacity3. Sales/operating income4. Profitability For each business segment disclosed in the
financial statement (if any)
131-138
Uraian atas kinerja keuangan perusahaan
Description of company’s financial performance
Analisis kinerja keuangan yang mencakup perbandingan antara kinerja keuangan tahun yang bersangkutan dengan tahun sebelumnya (dalam bentuk narasi dan tabel), antara lain mengenai:1. Aset lancar, aset tidak lancar, dan total aset
2. Liabilitas jangka pendek, liabilitas jangka panjang dan total liabilitas
3. Ekuitas4. Penjualan/pendapatan usaha, beban dan laba
(rugi), pendapatan komprehensif lain, dan total laba (rugi) komprehensif
5. Arus kas
An analysis of financial performance which includes a comparison between the financial performance of the current year and that of the previous year (in the form of narration and tables) concerning:1. Current assets, non-current assets, and amount of
assets2. Short term and long term liabilities and total
liabilities3. Equity4. Sales/operating income, expenses and profit
(loss), other comprehensive revenue, and total comprehensive profit (loss)
5. Cash flow
139-147
Bahasan dan analisis tentang kemampuan membayar utang dan tingkat kolektibilitas piutang perusahaan, dengan menyajikan perhitungan rasio yang relevan
Discussion and analysis on the capacity to pay debts and the company’s level of receivables collectability by presenting relevant ratio calculation
Penjelasan tentang :1. Kemampuan membayar hutang, baik jangka
pendek maupun jangka panjang2. Tingkat kolektibilitas piutang
Explanation on:1. Capacity to pay short term and long term debts2. Receivables collectability level 148
Bahasan tentang struktur modal (capital structure), dan kebijakan manajemen atas struktur modal (capital structure policy)
Discussion on capital structure, management policies on capital structure
Penjelasan atas:1. Struktur modal (capital structure), dan2. Kebijakan manajemen atas struktur modal
(capital structure policies)
Explanation on:1. Capital structure, and2. Capital structure policies
148-150
Bahasan mengenai ikatan yang material untuk investasi barang modal
Discussion on material ties for the investment of capital goods
Penjelasan tentang:1. Tujuan dari ikatan tersebut2. Sumber dana yang diharapkan untuk memenuhi
ikatan-ikatan tersebut3. Mata uang yang menjadi denominasi4. Langkah-langkah yang direncanakan
perusahaan untuk melindungi risiko dari posisi mata uang asing yang terkait
Catatan: apabila perusahaan tidak mempunyai ikatan terkait investasi barang modal, agar diungkapkan
Explanation on:1. The purpose of the ties2. Fund resources expected to fulfill the said ties
3. Currency of denomination4. Steps taken by the company to protect the
position of related currency against risks.
Notes: if the company does not have tie related to investment of capital goods, the information should be disclosed.
150
Jika laporan keuangan mengungkapkan peningkatan atau penurunan yang material dari penjualan/pendapatan bersih, maka berikan bahasan tentang sejauh mana perubahan tersebut dapat dikaitkan dengan jumlah barang atau jasa yang dijual, dan/atau adanya produk atau jasa baru.
If the financial statement discloses a material increase or decrease in the sales or net income, an explanation should be disclosed concerning the extent to which such changes can be linked to the amount of goods or service offered and/or new products/services.
Penjelasan mengenai:1. Besaran peningkatan/penurunan penjualan atau
pendapatan bersih2. Faktor penyebab peningkatan/penurunan
material dari penjualan atau pendapatan bersih yang dikaitkan dengan jumlah barang atau jasa yang dijual, dan/atau adanya produk atau jasa baru.
Description of:1. Amount of an increase/decrease of sales/net
income2. Factors causing the material increase/decrease
from sales or net income related to total goods or services and or new products/services.
N/A
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Informasi perbandingan antara target pada awal tahun buku dengan hasil yang dicapai (realisasi), dan target atau proyeksi yang ingin dicapai untuk satu tahun mendatang mengenai pendapatan, laba, struktur permodalan, atau lainnya yang dianggap penting bagi perusahaan
Information on the comparison between target set at the beginning of the fiscal year and the realization and target or projection for the next year concerning revenue, profit, capital stricter, and others considered important for the company.
Informasi memuat antara lain:1. perbandingan antara target pada awal tahun
buku dengan hasil yang dicapai (realisasi)2. target atau proyeksi yang ingin dicapai dalam
satu tahun mendatang
Information should include:1. Comparison between target of the beginning of
the year and the realization2. Target or projection for the next year
147
Informasi dan fakta material yang terjadi setelah tanggal laporan akuntan
Information and material fact subsequent to the date of accountant
Uraian kejadian penting setelah tanggal laporan akuntan termasuk dampaknya terhadap kinerja dan risiko usaha di masa mendatang.Catatan: apabila tidak ada kejadian penting setelah tanggal laporan akuntan, agar diungkapkan
Description of important events after the date of the accountant’s report, including the effects on the performance and business risk in the futureNote: if there is no important event after the date of the accountant report, such information should be disclosed
150
Uraian tentang prospek usaha perusahaan
Description of the company’s business prospects
Uraian mengenai prospek perusahaan dikaitkan dengan industri dan ekonomi secara umum disertai data pendukung kuantitatif dari sumber data yang layak dipercaya
Description of the company’s prospects related to overall industry and economy, complete with quantitative data and reliable sources
169-170
Uraian tentang aspek pemasaran Description of marketing aspects Uraian tentang aspek pemasaran atas produk dan/atau jasa perusahaan, antara lain strategi pemasaran dan pangsa pasar
Description of marketing aspect of products and/or services, such as marketing strategy and market share 154-155
Uraian mengenai kebijakan dividen dan jumlah dividen kas per saham dan jumlah dividen per tahun yang diumumkan atau dibayar selama 2 (dua) tahun buku terakhir
Description on dividend policy and amount of cash dividend per share and amount of dividend per year published/paid for the last 2 (two) financial years.
Memuat uraian mengenai:1. Jumlah dividen kas 2. Jumlah dividen kas per saham 3. Payout ratio untuk masing-masing tahun Catatan: apabila tidak ada pembagian dividen, agar diungkapkan alasannya
Information includes:1. Total cash dividend2. Total cash dividend per year3. Payout ratio for each yearNotes: if there is no dividend distribution, the reason should be disclosed
155-156
Realisasi penggunaan dana hasil penawaran umum (dalam hal perusahaan masih diwajibkan menyampaikan laporan realisasi penggunaan dana)
Realization of fund utilization from public offering (should the company be required to submit the report of fund utilization)
Memuat uraian mengenai:1. Total perolehan dana,2. Rencana penggunaan dana,3. Rincian penggunaan dana,4. Saldo dana, dan5. Tanggal persetujuan RUPS atas perubahan
penggunaan dana (jika ada)
The information should include:1. total funds obtained,2. budget plan,3. details of budget plan,4. balance, and5. Date of approval from General Meeting of
Shareholders regarding the changes in fund utilization (if any)
156
Informasi material mengenai investasi, ekspansi, divestasi, penggabungan/peleburan usaha, akuisisi atau restrukturisasi utang/modal.
Material information concerning investment, expansion, divestment, consolidation/merger, acquisition or debt/capital restructuring.
Memuat uraian mengenai:1. Tujuan dilakukannya transaksi;2. Nilai transaksi atau jumlah yg direstrukturisasi;3. Sumber dana.Catatan: apabila tidak mempunyai transaksi dimaksud, agar diungkapkan
The information should include1. The purpose of transaction2. Transaction value or number of transaction3. Fund resourceNote: If there is no such transaction, the information should be disclosed
151
Informasi transaksi material yang mengandung benturan kepentingan dan/atau transaksi dengan pihak afiliasi.
Transaction information material conflict of interest and/or transactions with affiliated parties.
Memuat uraian mengenai:1. Nama pihak yang bertransaksi dan sifat
hubungan afiliasi;2. Penjelasan mengenai kewajaran transaksi;3. Alasan dilakukannya transaksi;4. Realisasi transaksi pada periode berjalan;5. Kebijakan perusahaan terkait dengan
mekanisme review atas transaksi;6. Pemenuhan peraturan dan ketentuan terkait
Catatan: apabila tidak mempunyai transaksi dimaksud, agar diungkapkan
The information should include:1. Name of the parties involved in the transactions
and related affiliation2. Explanation on fairness of transaction3. Reason for transaction4. Realization of transaction within the period5. Corporate policy related to review mechanism of
the transaction; and6. Compliance to provisions and concerned
regulationNote: if there is no such transaction, such information should be disclosed
152-153
Uraian mengenai perubahan peraturan perundang-undangan yang berpengaruh signifikan terhadap perusahaan
Description on changes in regulation having significant effect on the company
Uraian memuat antara lain: perubahan peraturan perundang-undangan dan dampaknya terhadap perusahaanCatatan: apabila tidak terdapat perubahan peraturan perundang-undangan yang berpengaruh signifikan, agar diungkapkan
Description should include: changes in the regulation and its effect on the company
Note: if there is no change in the regulation having significant effect on the company, such information should be disclosed
157-162
Uraian mengenai perubahan kebijakan akuntansi
Description on changes in the accounting policy
Uraian memuat antara lain: perubahan kebijakan akuntansi, alasan dan dampaknya terhadap laporan keuanganCatatan: apabila tidak terdapat perubahan kebijakan akuntansi, agar diungkapkan
Description includes changes in accounting policy, its reasons and impacts on financial report
Notes: if there is no change in accounting policy, such information should be disclosed
163-169
VI. Tata Kelola Perusahaan Yang Baik / Good Corporate Governance
Uraian Dewan Komisaris Description of Board of Commissioners
Uraian memuat antara lain:1. Uraian tanggung jawab Dewan Komisaris2. Pengungkapan prosedur penetapan remunerasi3. Struktur remunerasi yang menunjukkan
komponen remunerasi dan jumlah nominal per komponen untuk setiap anggota Dewan Komisarisrja Dewan Komisaris)
4. Frekuensi pertemuan dan tingkat kehadiran Dewan Komisaris dalam pertemuan
5. Program pelatihan dalam rangka meningkatkan kompetensi Dewan Komisaris
6. Pengungkapan mengenai Board Charter (pedoman dan tata tertib Dewan Komisaris
Description includes:1. Descripiton of responsibilities of Board of Commissioners2. Disclosure of procedures of determining
remuneration3. Remuneration structure that represents
remuneration component and amount per component for each member of Board of Commissioners
4. Meeting frequency and attendance level of Board of Commissioners
5. Training programs to increase the competency of Board of Commissioners
6. Disclosure of Board Charter (regulation of Board of Commissioners)
305-313
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Uraian Direksi Description of Board of Directors Uraian memuat antara lain:1. Ruang lingkup pekerjaan dan tanggung jawab
masing-masing anggota Direksi2. Frekuensi pertemuan3. Tingkat kehadiran anggota direksi dalam
pertemuan4. Program pelatihan dalam rangka meningkatkan
kompetensi direksi5. Pengungkapan mengenai Board Charter
(pedoman dan tata tertib kerja Direksi)
Description includes:1. Scope of works and responsibility of each member
of the Board of Diretors2. Meeting frequency3. Attendance level of each member of the Board4. Training programs for improving the competence
of the Board5. Disclosure on Board Charter (regulation of Board
of Directors)
314-332
Assessment terhadap anggota Dewan Komisaris dan/atau Direksi
Assessment on Board of Commissioners and Board of Directors
Mencakup antara lain:1. Proses pelaksanaan assessment atas kinerja
anggota Dewan Komisaris dan/atau Direksi2. Kriteria yang digunakan dalam pelaksanaan
assessment atas kinerja anggota Dewan Komisaris dan/atau Direksi
3. Pihak yang melakukan assessment
Includes:1. Assessment on performance of Board of
Commissioners and/or Board of Directors’ performance
2. Criteria used in the assessment process3. Parties conducting assessment
339
Uraian mengenai kebijakan remunerasi bagi Direksi
Description on remuneration policies for Board of Directors
Mencakup antara lain:1. Pengungkapan prosedur penetapan remunerasi2. Struktur remunerasi yang menunjukkan jenis
dan jumlah imbalan jangka pendek, pasca kerja, dan/atau jangka panjang lainnya untuk setiap anggota Direksi
3. Pengungkapan indikator kinerja untuk mengukur performance Direksi
Includes:1. Disclosure of procedure of determining
remuneration2. Remuneration structure which shows type and
total short term and long term returns, post employment, and other long term kinds of remuneration for each member of the Board of Directors
3. Disclosure of performance indicator to assess the performance of the Board of Directors.
337-338
Informasi mengenai Pemegang Saham Utama dan Pengendali, baik langsung maupun tidak langsung, sampai kepada pemilik individu
Information on the Majority and Controlling Shareholders, direct and indirectly, and the individual shareholder
Dalam bentuk skema atau diagram In the form of scheme or diagram
80-81
Pengungkapan hubungan afiliasi antara anggota Direksi, DewanKomisaris, dan Pemegang Saham Utama dan/atau Pengendali
Disclosure of affiliation among Board of Directors, Board of Commissioners, and Majority and/or Controlling Shareholders
Mencakup antara lain:1. Hubungan afiliasi antara anggota Direksi
dengan anggota Direksi lainnya2. Hubungan afiliasi antara anggota Direksi
dengan anggota Dewan Komisaris3. Hubungan afiliasi antara anggota Direksi
dengan Pemegang Saham Utama dan/atau Pengendali
4. Hubungan afiliasi antara anggota Dewan Komisaris dengan anggota Dewan Komisaris lainnya
5. Hubungan afiliasi antara anggota Dewan Komisaris dengan Pemegang Saham Utama dan/atau Pengendali
Catatan: apabila tidak mempunyai hubungan afiliasi dimaksud, agar diungkapkan
Include:1. Affiliation among internal members of the Board
of Directors2. Affiliation between the Board of Directors and the
Board of Commissioners3. Affiliation between the member of the Board
of Directors and Majority and/or Controlling Shareholders
4. Affiliation among internal members of the Board of Commissioners
5. Affiliation between the member of the Board of Commissioners and Majority and/or Controlling Shareholders
Note: if there is no such transaction, such information should be disclosed
332-337
Komite Audit Audit Committee Mencakup antara lain: 1. Nama dan jabatan anggota komite audit
2. Kualifikasi pendidikan dan pengalaman kerja anggota komite audit
3. Independensi anggota komite audit 4. Uraian tugas dan tanggung jawab5. Laporan singkat pelaksanaan kegiatan komite
audit6. Frekuensi pertemuan dan tingkat kehadiran
komite audit
Includes:1. Name and position of each member of audit
committee2. Educational background and working experience
of audit committee member3. Independency of audit committee member4. Description of roles and responsibilities5. Brief report of the implementation of audit
committee activity6. Meeting frequency and attendance level of audit
committee
339-343
Komite Nominasi dan Remunerasi Nomination and Remuneration Committee
Mencakup antara lain:1. Nama, jabatan, dan riwayat hidup singkat
anggota komite nominasi dan/atau remunerasi2. Independensi anggota komite nominasi dan/
atau remunerasi
3. Uraian tugas dan tanggung jawab4. Uraian pelaksanaan kegiatan komite nominasi
dan/atau remunerasi
5. Frekuensi pertemuan dan tingkat kehadiran komite nominasi dan/atau remunerasi
Includes:1. Name, position, and brief curriculum vitae
of member of remuneration and nomination committee
2. Independency of remuneration and nomination committee member
3. Description of roles and responsibilities4. Description of the implementation of
remuneration and/or nomination committee’s activity
5. Meeting frequency and attendance level of remuneration and/or nomination committee
349-354
Komite-komite lain di bawah Dewan Komisaris yang dimiliki oleh perusahaan
Other committees under the Board of Commissioners
Mencakup antara lain:1. Nama, jabatan, dan riwayat hidup singkat
anggota komite lain2. Independensi anggota komite lain3. Uraian tugas dan tanggung jawab4. Uraian pelaksanaan kegiatan komite lain
5. Frekuensi pertemuan dan tingkat kehadiran komite lain
Includes:1. Name, position, and brief curriculum vitae of other
committees2. Independency of other committee member3. Description of roles and responsibilities4. Description of the implementation of other
committee’s activity5. Meeting frequency and attendance level of other
committees
340-357
Uraian tugas dan fungsi Sekretaris Perusahaan
Description on roles and functions of corporate secretary
Mencakup antara lain:1. Nama dan riwayat jabatan singkat sekretaris
perusahaan2. Uraian pelaksanaan tugas sekretaris perusahaan
Includes:1. Name and professional record of corporate
secretary2. Description on the implementation of corporate
secretary’s duties
378-382
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Uraian mengenai unit audit internal Description on internal audit unit Mencakup antara lain:1. Nama ketua unit audit internal2. Jumlah pegawai (auditor internal) pada unit
audit internal3. Kualifikasi/sertifikasi sebagai profesi audit
internal4. Kedudukan unit audit internal dalam struktur
perusahaan5. Uraian pelaksanaan tugas6. Pihak yang mengangkat/memberhentikan ketua
unit audit internal
Includes:1. Name of head of internal audit unit2. Number of employees (internal auditor) within
internal audit unit3. Qualification/certification as professional internal
audit4. Position of internal audit unit in the company
structure5. Description of duty implementation6. Parties appointing/dismissing head of internal
audit unit
363-368
Akuntan Perseroan Company accountant Informasi memuat antara lain:1. Jumlah periode akuntan telah melakukan audit
laporan keuangan tahunan2. Jumlah periode Kantor Akuntan Publik telah
melakukan audit laporan keuangan tahunan3. Besarnya fee untuk masing-masing jenis jasa
yang diberikan oleh akuntan publik4. Jasa lain yang diberikan akuntan selain jasa
audit laporan keuangan tahunanCatatan: apabila tidak ada jasa lain dimaksud, agar diungkapkan
Information includes:1. Total period when the accountant has audited the
yearly financial statements2. Total period when the Public Accounting Firm has
audited yearly financial statements3. The amount of fee for each service given by the
public accountant4. Other service given by the accountant other than
audit for financial reportsNote: if there is no such transaction, such information should be disclosed
382-383
Uraian mengenai manajemen risiko perusahaan
Description on risk management Mencakup antara lain:1. Penjelasan mengenai sistem manajemen risiko2. Penjelasan mengenai evaluasi yang dilakukan
atas efektivitas sistem manajemen risiko3. Penjelasan mengenai risiko-risiko yang dihadapi
perusahaan4. Upaya untuk mengelola risiko tersebut
Includes:1. Explanation on risk management system2. Explanation on evaluation of risk management
system effectiveness3. Explanation on risks posed to the company4. Efforts to managae such risks
216-285
Uraian mengenai sistem pengendalian intern
Description on internal control system
Mencakup antara lain:1. Penjelasan singkat mengenai sistem
pengendalian intern, antara lain mencakup pengendalian keuangan dan operasional
2. Penjelasan kesesuaian sistem pengendalian intern dengan kerangka yang diakui secara internasional/COSO (control environment, risk assessment, control activities, information and communication, and monitoring activities)
3. Penjelasan mengenai evaluasi yang dilakukan atas efektivitas sistem pengendalian intern
Includes:1. Brief explanation on internal control system,
including financial and operational control2. Explanation of the conformity of internal
control system to the internationally-recognized framework/COSO (control environment, risk assessment, control activities, information and communication, and monitoring activities)
3. Explanation of the evaluation on the effectiveness of internal control system.
368-369
Uraian mengenai corporate social responsibility yang terkait dengan lingkungan hidup
Description on corporate social responsibility program that relates to environment
Mencakup antara lain informasi tentang:1. Kebijakan,2. Kegiatan yang dilakukan, dan3. Dampak keuangan dari kegiatan terkait
program lingkungan hidup yang berhubungan dengan kegiatan operasional perusahaan, seperti penggunaan material dan energi yang ramah lingkungan dan dapat didaur ulang, sistem pengolahan limbah perusahaan, dan lain-lain
4. Sertifikasi di bidang lingkungan yang dimiliki
Includes:1. Policies,2. Activities, and3. Financial impacts from the environmental
programs that relates the company’s operational activity, such as the use or eco-friendly and recyclable material, energy saving, waste management, and others
4. Certification for environmental programs
399
Uraian mengenai corporate social responsibility yang terkait dengan ketenagakerjaan, kesehatan dan keselamatan kerja
Explanation on corporate social responsibility related to employment, occupational health and safety
Mencakup antara lain informasi tentang:1. Kebijakan,2. Kegiatan yang dilakukan, dan3. Dampak keuangan dari kegiatan terkait
praktik ketenagakerjaan, kesehatan, dan keselamatan kerja, seperti kesetaraan gender dan kesempatan kerja, sarana dan keselamatan kerja, tingkat turnover karyawan, tingkat kecelakaan kerja, dan lain-lain
Includes:1. Policies,2. Activities, and3. Financial impacts from the activities related to
employment and occupational health and safety such as gender equality, facilities for safety, employee turnover level, accident at work Rate, etc
398
Uraian mengenai corporate social responsibility yang terkait dengan pengembangan sosial dan kemasyarakatan
Explanation on corporate social responsibility related to social and community development
Mencakup antara lain informasi tentang:1. Kebijakan,2. Kegiatan yang dilakukan, dan3. Dampak keuangan dari kegiatan terkait
pengembangan sosial dan kemasyarakatan, seperti penggunaan tenaga kerja lokal, pemberdayaan masyarakat sekitar perusahaan, perbaikan sarana dan prasarana sosial, bentuk donasi lainnya, dan lain-lain.
Includes:1. Policies,2. Activities, and3. Financial impacts from the activities related to
social and community development programs, such as the empowerment of local manpower and society in the vicinity of the company, the improvement of social facilities and infrastructure, donation, others.
400
Uraian mengenai corporate social responsibility yang terkait dengan tanggung jawab kepada konsumen
Explanation on corporate social responsibility related to responsibility to customers
Mencakup antara lain:1. Kebijakan,2. Kegiatan yang dilakukan, dan3. Dampak keuangan dari kegiatan terkait
tanggung jawab produk, seperti kesehatan dan keselamatan konsumen, informasi produk, sarana, jumlah dan penanggulangan atas pengaduan konsumen, dan lain-lain
Includes:1. Policies,2. Activities, and3. Financial impacts from the activities related to
product reliability, such as aspects of customer health and safety, product information, facilities, number of customer complaint management, etc
402
Referensi Otoritas Jasa Keuangan (OJK)OJK References
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014412
Referensi Otoritas Jasa Keuangan (OJK) / Financial Services Authority Reference
KRITERIA / CRITERIA PENJELASAN / DESCRIPTIONHALAMAN /
PAGE
Perkara penting yang sedang dihadapi oleh perusahaan, entitas anak, anggota Direksi dan/atau anggota Dewan Komisaris yang menjabat pada periode laporan tahunan
Litigation faced by the company, subsidiaries, members of Board of Diretors and/or members of Board of Commissioners for the period
Mencakup antara lain:1. pokok perkara/gugatan2. status penyelesaian perkara/gugatan3. pengaruhnya terhadap kondisi perusahaan4. sanksi administrasi yang dikenakan kepada
entitas, anggota Direksi dan Dewan Komisaris, oleh otoritas terkait (pasar modal, perbankan dan lainnya) pada tahun buku terakhir (atau terdapat pernyataan bahwa tidak dikenakan sanksi administrasi)
Catatan: dalam hal tidak berperkara, agar diungkapkan
Includes:1. Material of the case/claim2. Status of settlement of the case/claim3. Potential impacts on the company4. Administrative sactions imposed to the entity,
members of the Board of Directors and Board of Commissioners, which is imposed by the authorities concerned (capital market, banking, etc) for the last financial year (including statements of having no administrative sanction, if any)
Note: if there is no litigation, such information should be disclosed
382-383
Akses informasi dan data perusahaan Information access and corporate data
Uraian mengenai tersedianya akses informasi dan data perusahaan kepada publik, misalnya melalui website (dalam bahasa Indonesia dan bahasa Inggris), media massa, mailing list, buletin, pertemuan dengan analis, dan sebagainya
Description on the availabililty of access to corporate information and data for public, such as through website (in Bahasa and English), mass media, mailing list, bulletin, meeting with analysts, etc.
383-385
Bahasan mengenai kode etik Description on code of conduct Memuat uraian antara lain:1. Isi kode etik2. Pengungkapan bahwa kode etik berlaku bagi
seluruh level organisasi3. Upaya dalam penerapan dan penegakannya4. Pernyataan mengenai budaya perusahaan
(corporate culture) yang dimiliki perusahaan
Includes:1. Content of code of conduct2. Disclosure that code of conduct prevails to all
organizational levels3. Efforts in its implementation and enforcement4. Statement of corporate culture owned by the
company
385-388
Pengungkapan mengenai whistleblowing system
Disclosure on whistleblowing system
Memuat uraian tentang mekanisme whistleblowing system antara lain:1. Penyampaian laporan pelanggaran2. Perlindungan bagi whistleblower3. Penanganan pengaduan4. Pihak yang mengelola pengaduan5. Hasil dari penanganan pengaduan
Includes description on whistleblowing system such as1. Submission of violation reports2. Protection for the whistleblowers3. Complaint management4. Parties managing the complaint5. Results from the complain handling
388-389
VII. Informasi Keuangan / Financial Information
pernyataan direksi dan/atau dewan komisaris tentang tanggung jawab atas laporan keuangan
Statement by the Board of Directors and/or Board of Commissioners on the responsibility of financial reports
Kesesuaian dengan peraturan terkait tentang tanggung jawab atas laporan keuangan
Conformity to the regulation applied concerning the responsibility on the financial statements
Laporan Keuangan Konsolidasi/Consolidated Financial Statements
Opini auditor independen atas laporan keuangan
Opinion of independent auditor on the financial reports
Laporan Keuangan Konsolidasi/Consolidated Financial Statements
Deskripsi auditor independen di opini Description of the independent auditor in the opinion
Deskripsi memuat tentang:1. Nama & tanda tangan2. Tanggal Laporan Audit3. No. ijin KAP dan nomor ijin Akuntan Publik
Description includes:1. Name & signature2. Date of Audit Report3. PAF and Public Accountant license
Laporan Keuangan Konsolidasi/Consolidated Financial Statements
Laporan keuangan yang lengkap Complete financial statements Memuat secara lengkap unsur-unsur laporan keuangan:1. Laporan posisi keuangan (neraca)2. Laporan laba rugi komprehensif3. Laporan perubahan ekuitas4. Laporan arus kas5. Catatan atas laporan keuangan6. Laporan posisi keuangan pada awal periode
komparatif yang disajikan ketika entitas menerapkan suatu kebijakan akuntansi secara retrospektif atau membuat penyajian kembali pos-pos laporan keuangan, atau ketika entitas mereklasifikasi pos-pos dalam laporan keuangannya (jika relevan)
Contains all elements of the financial statements:1. Balance sheet2. income statement3. Equity statement4. Cahs flow report5. Notes to the financial statements6. Statement of financial position at the beginning of
the comparative period presented when an entity implements accounting policy retrospectively or makes restatement of financial statement items, or when the entity reclassify items in its financial statements (if relevant)
Laporan Keuangan Konsolidasi/Consolidated Financial Statements
Pengungkapan dalam catatan atas laporan keuangan ketika entitas menerapkan suatu kebijakan akuntansi secara retrospektif atau membuat penyajian kembali pos-pos laporan keuangan, atau ketika entitas mereklasifikasi pos-pos dalam laporan keuangannya
Disclosure in the notes to the financial statements when the entity implements accounting policy retrospectively or to make the restatement of financial statements items, or when the entity reclassify items in financial statements.
Ada atau tidak ada pengungkapan sesuai dengan PSAK
In the event that there is disclosure according to PSAK or otherwise, the information should be disclosed
Laporan Keuangan Konsolidasi/Consolidated Financial Statements
Perbandingan tingkat profitabilitas Comparison of the levels of profitability
Perbandingan laba (rugi) tahun berjalan dengan tahun sebelumnya
Comparison of income for the year and the previous year
Laporan Keuangan Konsolidasi/Consolidated Financial Statements
Referensi Otoritas Jasa Keuangan (OJK)OJK References
Annual Report 2014 | PT. BANK SINARMAS Tbk. 413
Referensi Otoritas Jasa Keuangan (OJK) / Financial Services Authority Reference
KRITERIA / CRITERIA PENJELASAN / DESCRIPTIONHALAMAN /
PAGE
Laporan arus kas Cash flow report Memenuhi ketentuan sebagai berikut:1. Pengelompokan dalam tiga kategori aktivitas:
operasi, investasi, dan pendanaan2. Penggunaan metode langsung (direct method)
untuk melaporkan arus kas dari aktivitas operasi3. Pemisahan penyajian antara penerimaan kas
dan/atau pengeluaran kas selama tahun berjalan pada aktivitas operasi, investasi dan pendanaan
4. Pengungkapan transaksi non kas harus dicantumkan dalam catatan atas laporan keuangan
Meet the following propositions:1. Classification for three activities: operation,
investment, and funding2. The utilization of direct method to report cash
flow from operational activity3. Separated presentation of the cash receipt and
or cash expended for the year related to the operational, investment, and funding activity.
4. Disclosure of non-cash transaction should be attached in the notes to financial statements
Laporan Keuangan Konsolidasi/Consolidated Financial Statements
Ikhtisar kebijakan akuntansi Accounting policy highlights Meliputi sekurang-kurangnya:1. Pernyataan kepatuhan terhadap SAK2. Dasar pengukuran dan penyusunan laporan
keuangan3. Pengakuan pendapatan dan beban4. Aset Tetap5. Instrumen Keuangan
Includes at least:1. Statement of compliance to SAK2. Benchmark of preparing financial report3. Recognition of income and expense4. Fixed asset5. Financial instrument
Laporan Keuangan Konsolidasi/Consolidated Financial Statements
Pengungkapan transaksi pihak berelasi
Disclosure of transaction from related parties
Hal-hal yang diungkapkan antara lain:1. Nama pihak berelasi, serta sifat dan hubungan
dengan pihak berelasi;2. Nilai transaksi beserta persentasenya terhadap
total pendapatan dan beban terkait; dan3. Jumlah saldo beserta persentasenya terhadap
total aset atau liabilitas.
Disclosure materials:1. Name of the related parties and its affiliation2. Transaction value and its percentage of the total
revenue and expenses concerned; and3. Total balance amount and its percentage of the
total assets and liabilities
Laporan Keuangan Konsolidasi/Consolidated Financial Statements
Pengungkapan yang berhubungan dengan Perpajakan
Disclosure related to taxation Hal-hal yang harus diungkapkan:1. Rekonsiliasi fiskal dan perhitungan beban pajak
kini;2. Penjelasan hubungan antara beban
(penghasilan) pajak dan laba akuntansi;3. Pernyataan bahwa Laba Kena Pajak (LKP) hasil
rekonsiliasi dijadikan dasar dalam pengisian SPT Tahunan PPh Badan;
4. Rincian aset dan liabilitas pajak tangguhan yang diakui pada laporan posisi keuangan untuk setiap periode penyajian, dan jumlah beban (penghasilan) pajak tangguhan yang diakui pada laporan laba rugi apabila jumlah tersebut tidak terlihat dari jumlah aset atau liabilitas pajak tangguhan yang diakui pada laporan posisi keuangan; dan
5. Pengungkapan ada atau tidak ada sengketa pajak.
Disclosure materials:1. Fiscal reconciliation and calculation of current tax2. Explanation of the relationship between tax
expense (income) and income tax accounting3. Statement that the amount of Taxable Profit as
calculated through reconciliation is in accordance with the Tax Return
4. Details of the asset and liabilities in deferred tax presented in the balance sheet ine ach period of presentations, and amount of charge (income) of deferred tax acknowledged in the profit loss statement if the said amount is not evident in the aasset or liability of deferred tax acknowledged in the balance sheet
5. Disclosure of whether there is tax dispute or not
Laporan Keuangan Konsolidasi/Consolidated Financial Statements
Pengungkapan yang berhubungan dengan Aset Tetap
Disclosure related to fixed asset Hal-hal yang harus diungkapkan:1. Metode penyusutan yang digunakan;2. Uraian mengenai kebijakan akuntansi yang
dipilih antara model revaluasi dan model biaya;3. Metode dan asumsi signifikan yang digunakan
dalam mengestimasi nilai wajar aset tetap (untuk model revaluasi) atau pengungkapan nilai wajar aset tetap (untuk model biaya); dan
4. Rekonsiliasi jumlah tercatat bruto dan akumulasi penyusutan aset tetap pada awal dan akhir periode dengan menunjukkan: penambahan, pengurangan dan reklasifikasi
Disclosure material:1. Depreciation method used2. Description of the selected accounting policies
between the fair value model and cost model3. Methods and significant assumptions used
in estimating the fair value of fixed assets (revaluation model) or disclosure of the fair value of fixed assets (cost method); and
4. Reconciliation of the gross carrying amount and accumulated depreciation of fixed assets at the beginning and end of the period with disclosre of addition, deduction, and reclassification.
Laporan Keuangan Konsolidasi/Consolidated Financial Statements
Kebijakan akuntansi yang berhubungan dengan imbalan kerja
Accounting policies related to benefit
Hal-hal yang harus diungkapkan:1. Jenis imbalan kerja yang diberikan kepada
karyawan;2. Deskripsi umum mengenai jenis program
imbalan pascakerja yang diselenggarakan oleh perusahaan;
3. Kebijakan akuntansi perusahaan dalam mengakui keuntungan dan kerugian aktuarial; dan
4. Pengakuan keuntungan dan kerugian untuk kurtailmen dan penyelesaian.
Disclosure material:1. Types of benefit given to the employees;
2. Overview of types of post-employement benefits program held by the company
3. Accounting policy for the recognition of actuarial profit and loss; and
4. Recognition of profit and loss for curtailment and completion
Laporan Keuangan Konsolidasi/Consolidated Financial Statements
Pengungkapan yang berhubungan dengan Instrumen Keuangan
Disclosure related to financial instrument
Hal-hal yang harus diungkapkan:1. Persyaratan, kondisi dan kebijakan akuntansi
untuk setiap kelompok instrumen keuangan;2. Klasifikasi instrumen keuangan;3. Nilai wajar tiap kelompok instrumen keuangan;4. Tujuan dan kebijakan manajemen risiko;5. Penjelasan risiko yang terkait dengan instrumen
keuangan: risiko pasar, risiko kredit dan risiko likuiditas; dan
6. Analisis risiko yang terkait dengan instrumen keuangan secara kuantitatif.
Material disclosure:1. Requirements, accounting condition and policy for
each financial instrument classification;2. Classification of financial instruments;3. Fair value of each financial instrument;
4. Objective and policy of risk management;5. Explanation of risk related to financial instruments;
market risk, credit and liquidation; and6. Risk analysis with quantitative method related to
financial instruments
Laporan Keuangan Konsolidasi/Consolidated Financial Statements
Penerbitan laporan keuangan Publishing of financial statements
Hal-hal yang diungkapkan antara lain:1. Tanggal laporan keuangan diotorisasi untuk
terbit; dan2. Pihak yang bertanggung jawab mengotorisasi
laporan keuangan
Material disclosure:1. Date of financial statements authorized for
publication; and2. Parties responsible to authorize the financial
statements.
Laporan Keuangan Konsolidasi/Consolidated Financial Statements
Referensi Otoritas Jasa Keuangan (OJK)OJK References
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
Laporan Keuangan KonsolidasiConsolidated Financial Statement
08Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Halaman ini sengaja dikosongkanThis page is intentionally left blank
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 7 -
1. Umum 1. General a. Pendirian dan Informasi Umum a. Establishment and General Information
PT Bank Sinarmas Tbk (“Perusahaan”) didirikan pada tahun 1989 dengan nama PT Bank Shinta Indonesia, berdasarkan Akta No. 52 tanggal 18 Agustus 1989 dari Buniarti Tjandra, S.H., notaris di Jakarta, dan telah diubah dengan Akta No. 91 tanggal 15 September 1989 dari notaris yang sama. Akta pendirian ini telah mendapat pengesahan dari Menteri Kehakiman Republik Indonesia melalui Surat Keputusan No. C2-9142.HT.01.01-TH.89 tanggal 27 September 1989 dan diumumkan dalam Berita Negara Republik Indonesia No. 49 tanggal 21 Juni 2005, Tambahan No. 6448.
PT Bank Sinarmas Tbk (“the Company”) was established in 1989 as PT Bank Shinta Indonesia, based on Notarial Deed No. 52 dated August 18, 1989 of Buniarti Tjandra, S.H., public notary in Jakarta, as amended by Notarial Deed No. 91 dated September 15, 1989, of the same notary. The Deed of Establishment was approved by the Minister of Justice of the Republic of Indonesia in his Decision Letter No. C2-9142.HT.01.01-TH.89 dated September 27, 1989 and published in Supplement No. 6448 of the State Gazette of the Republic of Indonesia No. 49 dated June 21, 2005.
Pada tanggal 26 Januari 2007, Perusahaan berganti nama menjadiPT Bank Sinarmas. Perubahan nama tersebut telah disetujui melalui Rapat Umum Pemegang Saham Luar Biasa Perusahaan yang didokumentasikan dalam Akta No. 1 tanggal 21 November 2006 dari Triphosa Lily Ekadewi, S.H., notaris di Jakarta. Perubahan Anggaran Dasar tersebut telah memperoleh persetujuan dari Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dengan Surat Keputusannya No. W7-03960 HT.01.04-TH.2006 tanggal 20 Desember 2006. Perubahan nama tersebut juga telah mendapat persetujuan dari Bank Indonesia berdasarkan Keputusan Gubernur Bank Indonesia No.9/4/KEP.GBI/2007 tanggal 22 Januari 2007 tentang Perubahan Izin Usaha Atas Nama PT Bank Shinta Indonesia menjadi Izin Usaha Atas Nama PT Bank Sinarmas.
On January 26, 2007, the Company has changed its name into PT Bank Sinarmas. The said change was approved by the stockholders in the Extraordinary Stockholders’ Meeting, which resolution was stated in Notarial Deed No. 1 dated November 21, 2006 of Triphosa Lily Ekadewi, S.H., public notary in Jakarta. The amendment to the Articles of Association was approved by the Minister of Law and Human Rights of the Republic of Indonesia in his Decision Letter No. W7-03960 HT.01.04-TH.2006 dated December 20, 2006. Such change in name was approved by Bank Indonesia based on its Decision Letter No. 9/4/KEP.GBI/2007 dated January 22, 2007, wherein the Business License Under the Name of PT Bank Shinta Indonesia was changed to Business License Under the Name of PT Bank Sinarmas.
Selanjutnya, berdasarkan Akta No. 1 tanggal 8 Oktober 2009 dari Endang Saritomo Utari, S.H., notaris di Jakarta, terdapat perubahan Anggaran Dasar dalam rangka melaksanakan kegiatan usaha berdasarkan prinsip perbankan syariah dan perpanjangan masa jabatan direksi dan komisaris. Perubahan ini telah disetujui oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dalam Surat Keputusan No. AHU-AH.01.10-22484. Tahun 2009 tanggal 11 Desember 2009.
Furthermore, the Company’s Articles of Association has been amended, as stated in Deed No. 1 dated October 8, 2009 from Endang Saritomo Utari, SH, notary in Jakarta, concerning the conduct of business activities to be based on principles of Islamic banking and the extension of terms of office of the directors and commissioners. These amendments were approved by the Minister of Justice and Human Rights of Republic of Indonesia in his Decree No. AHU-AH.01.10-22484. Tahun 2009 dated December 11, 2009.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 8 -
Berdasarkan Rapat Umum Pemegang Saham tanggal 6 April 2010 yang didokumentasikan dalam Akta No. 31 tanggal 6 April 2010 dari Sutjipto, S.H., Mkn, notaris di Jakarta, pemegang saham menyetujui pemecahan nilai nominal saham Perusahaan dari Rp 500.000 (dalam Rupiah penuh) per saham menjadi Rp 100 (dalam Rupiah penuh) per saham dan perubahan status Perusahaan menjadi Perusahaan Terbuka (Tbk) dengan nama PT Bank Sinarmas Tbk.
In the General Shareholders' Meeting held on April 6, 2010, which was stated in the Deed. No. 31 dated April 6, 2010 from Sutjipto, SH, Mkn, public notary in Jakarta, the Shareholders approved the splitting of the number of shares through decrease in par value per share from Rp 500,000 (in full Rupiah) per share into Rp 100 (in full Rupiah) per share and changing the status of the Company to become a Public Company under the new name PT Bank Sinarmas Tbk.
Perubahan tersebut telah mendapat pengesahan dari Menteri Kehakiman dan Hak Asasi Manusia Republik Indonesia dengan Surat Keputusan No. AHU-22745.AH.01.02 Tahun 2010 tanggal 4 Mei 2010 serta telah dilaporkan kepada Bank Indonesia melalui surat No. SKL.121/2010/PRESDIR-CorpSec tanggal 7 Mei 2010.
The related amendments of the Articles of Association were approved by the Minister of Justice of the Republic of Indonesia in his Decision Letter No. AHU-22745.AH.01.02 Tahun 2010 dated May 4, 2010 and were reported to Bank Indonesia by Letter No. SKL.121/2010/PRESDIR-CorpSec dated May 7, 2010.
Kantor pusat Perusahaan beralamat di Sinarmas Land Plaza, Menara I, Jln. M.H. Thamrin No. 51, Jakarta. Perusahaan memiliki 1 kantor cabang utama, 72 kantor cabang, 1 kantor fungsional, 130 kantor cabang pembantu, 27 kantor cabang syariah, 141 kantor kas, 10 kantor kas syariah dan 2 mobil kas keliling yang semuanya berlokasi di Indonesia.
The Company’s head office is located at Sinarmas Land Plaza, Tower I, Jln. M.H. Thamrin No. 51, Jakarta. The Company has 1 main branch, 72 branches, 1 functional sub-branch, 130 sub-branches, 27 sharia branches, 141 cash offices, 10 sharia cash offices and 2 cash cars, all located in Indonesia.
PT Sinar Mas Multiartha (SMMA) Tbk, merupakan entitas induk dari Perusahaan yang didirikan di Indonesia.
The immediate holding entity of the Company is PT Sinar Mas Multiartha Tbk (SMMA), a limited liability company incorporated in Indonesia.
Pemegang saham akhir (ultimate shareholder) Perusahaan pada tanggal 31 Desember 2014 dan 2013 adalah Indra Widjaja.
As of December 31, 2014 and 2013, the ultimate shareholder of the Company is Indra Widjaja.
Sesuai dengan pasal 3 Anggaran Dasar, maksud dan tujuan didirikannya Perusahaan adalah untuk menjalankan usaha di bidang perbankan.
In accordance with article 3 of the Company’s Articles of Association, the scope of its activities is to engage mainly in general banking business.
Perusahaan mulai beroperasi secara komersial pada tanggal 16 Februari 1990, sesuai dengan izin usaha yang diberikan oleh Menteri Keuangan Republik Indonesia dalam Surat Keputusan No. 156/KMK.013/1990 tanggal 16 Februari 1990. Sesuai dengan Surat Keputusan Bank Indonesia No. 27/156/KEP/DIR tanggal 22 Maret 1995, Perusahaan memperoleh peningkatan status menjadi Bank Devisa.
The Company started its commercial operations on February 16, 1990, based on the business license granted by the Minister of Finance of the Republic of Indonesia in his Decision Letter No. 156/KMK.013/1990 dated February 16, 1990. Pursuant to Bank Indonesia’s Decree No. 27/156/KEP/DIR dated March 22, 1995, the Company was authorized to operate as a Foreign Exchange Bank.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 9 -
Perusahaan memperoleh izin usaha perbankan berdasarkan prinsip syariah berdasarkan surat keputusan Deputi Gubernur Bank Indonesia No. 11/13/KEP.DpG/2009 tanggal 27 Oktober 2009.
The Company obtained its business license activities to be based on principles of islamic banking through decision letter of Deputy Governor of Bank Indonesia No. 11/13/KEP.DpG/2009 dated October 27, 2009.
Pada tanggal 30 Januari 2012, Perusahaan memperoleh Surat Keputusan No. KEP21/BL/2012 dari Ketua badan Pengawas Pasar Modal dan Lembaga Keuangan mengenai persetujuan Perusahaan sebagai kustodian di pasar modal. Sampai dengan tanggal penyelesaian laporan keuangan ini, kegiatan kustodian belum dimulai.
On January 30, 2012, the Company received a Decision Letter No. KEP-21/BL/2012 from the Capital Market and Financial Institution Supervisory Agency regarding the approval for the Company as a custodian in capital market. As of date of completion of the financial statements, the custodian activity has not started yet.
b. Penawaran Umum Efek Perusahaan b. Public Offering of Shares
Pada tanggal 29 November 2010, Perusahaan memperoleh pernyataan efektif dari Ketua Badan Pengawas Pasar Modal dan Lembaga Keuangan (Bapepam dan LK) atau sekarang Otoritas Jasa Keuangan (OJK) melalui surat No. S-10683/BL/2010 untuk penawaran umum perdana atas 1.600 lembar saham Perusahaan dengan nilai nominal Rp 100 (dalam Rupiah penuh) per saham pada harga penawaran Rp 150 (dalam Rupiah penuh) per saham dimana melekat 1.920.000.000 waran Seri I (Catatan 23). Setiap pemegang 5 (lima) saham baru Perusahaan berhak memperoleh 6 (enam) waran dimana setiap 1 (satu) waran memberikan hak kepada pemegangnya untuk membeli 1 (satu) saham baru Perusahaan dengan harga pelaksanaannya sebesar Rp 150 (dalam Rupiah penuh), yang dapat dilakukan mulai tanggal 13 Juni 2011 sampai dengan tanggal 13 Desember 2015.
On November 29, 2010, the Company obtained the Notice of Effectivity from the Chairman of the Capital Market and Financial Institutions Supervisory Agency (Bapepam – LK) or currently Financial Services Authority (OJK) in his letter No. S-10683/BL/2010 for the initial public offering (IPO) of the 1,600 new shares with par value of Rp 100 (in full Rupiah) per share at offering price of Rp 150 (in full Rupiah) per share with attached 1,920,000,000 Series I Warrants (Note 23). Each holder of five (5) new shares of the Company is entitled to six (6) warrants where each one (1) warrant entitles the holder to purchase one (1) new share of the Company at exercise price of Rp 150 (in full Rupiah) per share, which can be exercised from June 13, 2011 until December 13, 2015.
Penawaran umum perdana saham Perusahaan telah mendapat persetujuan dari Bank Indonesia melalui surat No. 12/52/DPB3/TPB 3 - 1 tanggal 5 Agustus 2010. Saham-saham Perusahaan telah tercatat di Bursa Efek Indonesia pada tanggal 13 Desember 2010.
The IPO was approved by Bank Indonesia in its Letter No. 12/52/DPB3/TPB 3 - 1dated August 5, 2010. On December 13, 2010, the Company’s shares and warrants have been listed to the Indonesia Stock Exchange.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 10 -
Pada tanggal 15 Juni 2012, Perusahaan memperoleh Pernyataan Efektif dari Ketua Bapepam dan LK (sekarang OJK) melalui surat No. S-7561/BL/2012 untuk Penawaran Umum Terbatas I (PUT I) kepada Pemegang Saham dengan Hak Memesan Efek Terlebih Dahulu (HMETD) atas 1.203.186.138 lembar Saham Biasa Atas Nama dengan nilai nominal Rp 100 (dalam Rupiah penuh) per saham yang ditawarkan dengan harga pelaksanaan Rp 250 (dalam Rp penuh) per saham dimana melekat 2.996.614.532 waran Seri II (Catatan 23). Setiap pemegang 400 saham lama berhak atas 53 HMETD untuk membeli 53 saham, dimana pada setiap 53 saham baru melekat 132 Waran Seri II yang diberikan oleh Perusahaan secara cuma-cuma. Waran Seri II diberikan sebagai insentif kepada pemegang saham untuk melakukan pembelian saham baru yang bernilai nominal Rp 100 (dalam Rupiah penuh) per saham dengan harga pelaksanaan sebesar Rp 250 (dalam Rupiah penuh) per saham yang dapat dilakukan selama masa laku pelaksanaan yaitu mulai tanggal 11 Januari 2013 sampai dengan 29 Juni 2017 dimana setiap 1 (satu) Waran Seri II berhak membeli 1 (satu) saham baru pada harga pelaksanaannya.
On June 15, 2012, the Company obtained the Notice of Effectivity from the Chairman Bapepam – LK in his letter No. S-7561/BL/2012 for the Limited Public Offering I with preemptive rights to Stockholders for 1,203,186,138 common shares with par value of Rp 100 (in full Rupiah) per share at exercise price of Rp 250 (in full Rupiah) per share with attached 2,996,614,532 Series II Warrants (Note 23). Every holder of 400 existing shares has 53 pre-emptive rights to purchase 53 new shares, wherein for every 53 new shares, 132 Series II Warrants is attached, free of charge. Series II Warrants are given as incentives to stockholders to purchase new shares at a par value of Rp 100 (in full Rupiah) per share, with exercise price of Rp 250 (in full Rupiah) per share, which can be exercised from January 11, 2013 until June 29, 2017, wherein every 1 (one) Series II Warrant is entitled to purchase 1 (one) new share at the exercise price.
Berdasarkan Akta No. 45 tanggal 13 Juni 2014 dari Aryanti Artisari, S.H., M.Kn., notaris di Jakarta, tentang Berita Acara Rapat Umum Pemegang Saham Luar Biasa (RUPSLB), dimana pemegang saham Perusahaan menyetujui untuk menerbitkan 1.312.411.310 lembar saham pada harga yang akan ditentukan oleh Direksi dengan persetujuan Dewan Komisaris melalui Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu (PMTHMETD). Pada tanggal 31 Oktober 2014 dan 24 November 2014, Perusahaan melaksanakan PMTHMETD tahap 1 dan 2 masing-masing sebanyak 888.888.888 dan 7.646.526 lembar saham dengan harga pelaksanaan masing-masing sebesar Rp 270 (dalam Rupiah penuh). Jumlah dana yang diperoleh dari pemegang saham dalam pelaksanaan PMTHMETD adalah sebesar Rp 242.064.
In accordance with the Notarial Deed No. 45 dated June 13, 2014 of Aryanti Artisari, S.H., M.Kn., public notary in Jakarta, concerning the Extraordinary Stockholders’ Meeting, the Company’s stockholders approved the issuance of 1,312,411,310 shares at a price to be determined by Directors with approval from Board of Commisioners by “Rights Issue Without Pre-Emptive Rights”. On October 31, 2014 and November 24, 2014, the Company issued 888,888,888 shares and 7,646,526 shares, respectively, at Rp 270 (in full Rupiah) per share. The total proceeds in relation to this “Rights Issue Without Pre-Emptive Rights” amounted to Rp 242,064.
Sebanyak 98,97% saham Perusahaan telah tercatat di Bursa Efek Indonesia atau sebanyak 13.894.890.224 saham dan 12.981.631.498 saham pada tanggal 31 Desember 2014 dan 2013.
98.97% of the Company’s shares are listed in Indonesian Stock Exchange representing 13,894,890,224 shares and 12,981,631,428 shares as of December 31, 2014 and 2013, respectively.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 11 -
c. Karyawan, Direksi dan Dewan
Komisaris c. Employees, Directors and Board of
Commissioners
Pada tanggal 31 Desember 2014 dan 2013, susunan pengurus Perusahaan adalah sebagai berikut:
As of December 31, 2014 and 2014, the Company’s management consists of the following:
2014 2013
Dewan Komisaris Board of CommissionerKomisaris Utama Tjendrawati Widjaja Tjendrawati Widjaja President CommissionerKomisaris Independen Sammy Kristamuljana Wimpie Rianto Independent CommissionerKomisaris Independen Rusmin Sammy Kristamuljana Independent Commissioner
Direksi Board of DirectorsDirektur Utama Freenyan Liwang Freenyan Liwang President Director Direktur Unit Usaha Syariah Heru Agus Wuryanto Heru Agus Wuryanto Sharia Business Unit DirectorDirektur Kepatuhan Salis Teguh Hartono Salis Teguh Hartono Compliance Director Direktur Enterprise Banking Loa Johnny Mailoa Loa Johnny Mailoa Enterprise Banking DirectorDirektur Operasional Halim Halim Operational DirectorDirektur Manajemen Risiko dan Hanafi Himawan Hanafi Himawan Risk Management and Human Human Capital Capital Director
Susunan keanggotaan komite-komite yang dimiliki Perusahaan pada tanggal 31 Desember 2014 dan 2013 adalah sebagai berikut:
The members of the committees of the Company as of December 31, 2014 and 2013 are as follows:
2014 2013
Komite Audit Audit CommitteeKetua Rusmin Wimpie Rianto ChairmanAnggota Edwin Hidayat Abdullah Tjendrawati Widjaja Members
Agustinus Antonius Edwin Hidayat AbdullahKetut Sanjaya Agustinus Antonius
Ketut Sanjaya
Komite Remunerasi Remuneration and dan Nominasi Nomination CommitteeKetua Rusmin Sammy Kristamuljana ChairmanAnggota Tjendrawati Widjaja Tjendrawati Widjaja Members
Wahyu Zaeni Wahyu Zaeni
Komite Pemantau Risiko Risk Monitoring CommitteeKetua Sammy Kristamuljana Wimpie Rianto ChairmanAnggota Tjendrawati Widjaja Sammy Kristamuljana Members
Agustinus Antonius Agustinus AntoniusEdwin Hidayat Abdullah Edwin Hidayat Abdullah
Dewan Pengawas Syariah Sharia Supervisory BoardKetua Ali Mustafa Yaqub Ali Mustafa Yaqub ChairmanAnggota Ahmadi bin Sukarno Ahmadi bin Sukarno Members
Kepala Audit Internal Perusahaan pada tanggal 31 Desember 2014 dan 2013 adalah Darwanti Juliastuti.
As at December 31, 2014 and 2013, the head of the Company’s Internal Audit is Darwanti Juliastuti.
Sekretaris Perusahaan pada tanggal 31 Desember 2014 dan 2013 masing-masing adalah Dodo Suyanto dan Yuliani Winarsih.
As at December 31, 2014 and 2013, the Company’s Corporate Secretary are Dodo Suyanto and Yuliani Winarsih, respectively.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 12 -
Personel manajemen kunci Perusahaan terdiri dari Komisaris, Direksi, Group Head, Kepala Kantor Wilayah, Wakil Kepala Kantor Wilayah, Kepala Divisi, Pimpinan Cabang dan Koordinator Pimpinan Cabang Pembantu.
Key management personel of the Company consists of Commissioners, Directors, Group Head, Heads of Regional Offices, Deputy Heads of Regional Offices, Heads of Divisions, Branch Managers and Coordinator Branch Manager.
Jumlah rata-rata karyawan Perusahaan (tidak diaudit) adalah 4.262 untuk tahun 2014 dan 3.551 untuk tahun 2013.
The Company had an average total number of employees (unaudited) of 4,262 in 2014 and 3,551 in 2013.
Laporan keuangan PT Bank Sinarmas Tbk untuk tahun yang berakhir 31 Desember 2014 telah diselesaikan dan diotorisasi untuk terbit oleh Direksi Perusahaan pada tanggal 18 Maret 2015. Direksi Perusahaan bertanggung jawab atas penyusunan dan penyajian laporan keuangan tersebut.
The financial statements of PT Bank Sinarmas Tbk for the year ended December 31, 2014 were completed and authorized for issue on March 18, 2015 by the Company’s Directors who are responsible for the preparation and presentation of the financial statements.
2. Ikhtisar Kebijakan Akuntansi dan Pelaporan
Keuangan Penting 2. Summary of Significant Accounting and
Financial Reporting Policies
a. Dasar Penyusunan dan Pengukuran Laporan Keuangan
a. Basis of Financial StatementsPreparation and Measurement
Laporan keuangan disusun dan disajikan dengan menggunakan Standar Akuntansi Keuangan (SAK) di Indonesia, meliputi pernyataan dan interpretasi yang diterbitkan oleh Dewan Standar Akuntansi Keuangan Ikatan Akuntan Indonesia. Laporan keuangan juga disusun dan disajikan sesuai dengan Peraturan Bank Indonesia dan Peraturan No. VIII.G.7 tentang “Penyajian dan Pengungkapan Laporan Keuangan Emiten atau Perusahaan Publik”, Lampiran Keputusan Ketua Badan Pengawas Pasar Modal dan Lembaga Keuangan (Bapepam dan LK) (sekarang Otoritas Jasa Keuangan/OJK) No. Kep-347/BL/2012 tanggal 25 Juni 2012. Laporan keuangan tersebut merupakan terjemahan Bahasa Inggris atas laporan hukum Perusahaan di Indonesia.
The financial statements have been prepared and presented in accordance with Indonesian Financial Accounting Standards (“SAK”), which comprise the statements and interpretations issued by the Board of Financial Accounting Standards of the Indonesian Institute of Accountants. The financial statements have also been prepared and presented in accordance with Bank Indonesia regulation and Regulation No. VIII.G.7. regarding “Presentation and Disclosures of Public Companies’ Financial Statements” included in the Appendix of the Decree of the Chairman of the Capital Market and Financial Institution Supervisory Agency (Bapepam – LK) (currently Financial Services Authority) No. KEP-347/BL/2012 dated June 25, 2012. Such financial statements are an English translation of the Company’s statutory report in Indonesia.
Laporan keuangan disusun sesuai dengan Pernyataan Standar Akuntansi Keuangan (PSAK) No. 1 (Revisi 2009), “Penyajian Laporan Keuangan”.
The financial statements are prepared in accordance with the Statement of Financial Accounting Standard (“PSAK”) No. 1 (Revised 2009), “Presentation of Financial Statements”.
Dasar pengukuran laporan keuangan ini adalah konsep biaya perolehan (historical cost), kecuali beberapa akun tertentu disusun berdasarkan pengukuran lain, sebagaimana diuraikan dalam kebijakan akuntansi masing-masing akun tersebut. Laporan keuangan ini disusun dengan metode akrual, kecuali laporan arus kas.
The measurement basis used is the historical cost, except for certain accounts which are measured on the bases described in the related accounting policies. The financial statements, except for the statements of cash flows, are prepared under the accrual basis of accounting.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 13 -
Laporan arus kas disusun menggunakan metode langsung yang dimodifikasi dan arus kas dikelompokkan atas dasar kegiatan operasi, investasi dan pendanaan. Untuk tujuan penyusunan laporan arus kas, kas dan setara kas mencakup kas, giro pada Bank Indonesia giro pada bank lain, penempatan pada bank lain dan Bank Indonesia dan efek-efek dengan jatuh tempo tiga bulan atau kurang dan yang tidak dijaminkan serta yang tidak dibatasi pencairannya.
The statement of cash flows is prepared based on the modified direct method by classifying cash flows on the basis of operating, investing and financing activities. For the purpose of statements of cash flows, cash and cash equivalents include cash on hand, demand deposits with Bank Indonesia, demand deposits with other banks, and placement with other banks and Bank Indonesia and securities with original maturities of three months or less from the acquisition date and are not being pledged as collateral for borrowings or restricted.
Kebijakan akuntansi yang diterapkan dalam penyusunan laporan keuangan untuk tahun yang berakhir 31 Desember 2014 adalah konsisten dengan kebijakan akuntansi yang diterapkan dalam penyusunan laporan keuangan untuk tahun yang berakhir 31 Desember 2013.
The accounting policies adopted in the preparation of the financial statements for the year ended December 31, 2014 are consistent with those adopted in the preparation of the financial statements for the year ended December 31, 2013.
Laporan keuangan Bank untuk unit usaha syariah juga disusun berdasarkan PSAK (Pernyataan Standar Akuntansi Keuangan) 101 (Revisi 2011), “Penyajian Laporan Keuangan Syariah”, PSAK 59, “Akuntansi Perbankan Syariah”, Pedoman Akuntansi Perbankan Syariah Indonesia (“PAPSI”) dan prinsip-prinsip akuntansi yang berlaku umum yang ditetapkan Ikatan Akuntan Indonesia, mencakup pula pedoman akuntansi dan pelaporan yang ditetapkan oleh otoritas perbankan Indonesia dan Otoritas Jasa Keuangan (OJK).
The Bank’s financial statements of sharia business unit are prepared under the PSAK (Statement of Financial Accounting Standard) 101 (Revised 2011), “Presentation of Sharia Financial Statement”, PSAK 59 “Sharia Banking Accounting”, Accounting Guidelines for Indonesian Sharia Banking (“PAPSI”) and Indonesian Financial Accounting Standards, including accounting and reporting principle designated by Indonesia banking authority and Otoritas Jasa Keuangan or OJK).
Mata uang yang digunakan dalam penyusunan dan penyajian laporan keuangan adalah mata uang Rupiah (Rupiah) yang juga merupakan mata uang fungsional Perusahaan.
The reporting currency used in the preparation of the financial statements is the Indonesian Rupiah (Rupiah) which is also the functional currency of the Company.
Penyusunan laporan keuangan sesuai dengan Standar Akuntansi Keuangan di Indonesia mengharuskan penggunaan estimasi tertentu. Hal tersebut juga mengharuskan manajemen untuk membuat pertimbangan dalam proses penerapan kebijakan akuntansi. Area yang kompleks atau memerlukan tingkat pertimbangan yang lebih tinggi atau area di mana asumsi dan estimasi berdampak signifikan terhadap laporan keuangan diungkapkan di Catatan 3.
The preparation of financial statements in conformity with Indonesian Financial Accounting Standards requires the use of certain critical accounting estimates. It also requires management to exercise its judgement in the process of applying the accounting policies. The areas involving a higher degree of judgment or complexity, or areas where assumptions and estimates are significant to the financial statements are disclosed in Note 3.
b. Penjabaran Mata Uang Asing b. Foreign Currency Translation
Mata Uang Fungsional dan Pelaporan Functional and Reporting Currencies Akun-akun yang tercakup dalam laporan keuangan Perusahaan diukur menggunakan mata uang dari lingkungan ekonomi utama dimana Perusahaan beroperasi (mata uang fungsional).
Items included in the financial statements of the Company are measured using the currency of the primary economic environment in the Company operates (the functional currency).
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 14 -
Laporan keuangan disajikan dalam Rupiah, yang merupakan mata uang fungsional dan mata uang penyajian Perusahaan.
The financial statements are presented in Rupiah which is the Company’s functional and presentation currency.
Transaksi dan Saldo Transactions and Balances Transaksi dalam mata uang asing dijabarkan kedalam mata uang fungsional menggunakan kurs pada tanggal transaksi. Laba atau rugi selisih kurs yang timbul dari penyelesaian transaksi dan dari penjabaran pada kurs akhir tahun atas aset dan liabilitas moneter dalam mata uang asing diakui dalam laporan laba rugi komprehensif. Aset non-moneter yang diukur pada nilai wajar dijabarkan menggunakan kurs pada tanggal nilai wajar ditentukan. Selisih penjabaran akun ekuitas dan akun nonmoneter serupa yang diukur pada nilai wajar diakui dalam komponen laba rugi.
Foreign currency transactions are translated into the functional currency using the exchange rates prevailing at the dates of the transactions. Foreign exchange gains and losses resulting from the settlement of such transactions and from the translation at year end exchange rates of monetary assets and liabilities denominated in foreign currencies are recognized in the statement of comprehensive income. Non-monetary assets that are measured at fair value are translated using the exchange rate at the date that the fair value was determined. Translation differences on equities and similar non-monetary items measured at fair value are recognized in profit or loss.
Pada tanggal 31 Desember 2014 dan 2013, kurs konversi yakni kurs Reuters pada pukul 16:00 Waktu Indonesia Barat (WIB), yang digunakan oleh Perusahaan adalah sebagai berikut:
As of December 31, 2014 and 2013, the conversion rates used for monetary assets and liabilities by the Company was the Reuters spot rate at 16:00 Western Indonesian Time prevailing as follows:
2014 2013(dalam Rupiah penuh)/ (dalam Rupiah penuh)/
(in full Rupiah) (in full Rupiah)
Poundsterling Inggris 19.288,40 20.110,93 Great Britain Poundsterling Euro 15.053,35 16.759,31 EuroDolar Australia 10.148,27 10.855,65 Australian DollarDolar Amerika Serikat 12.385,00 12.170,00 United States DollarDolar Singapura 9.376,19 9.622,08 Singapore DollarYuan China 1.995,62 2.010,28 China Yuan
31 Desember/December 31
c. Transaksi Pihak Berelasi c. Transactions with Related Parties Pihak berelasi adalah orang atau entitas yang terkait dengan Perusahaan:
A related party is a person or entity that is related to the Company:
1. Orang atau anggota keluarga terdekat
mempunyai relasi dengan Perusahaan jika orang tersebut:
1. A person or a close member of that person's family is related to the Company if that person:
a. memiliki pengendalian atau
pengendalian bersama atas Perusahaan;
a. has control or joint control over the Company;
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 15 -
b. memiliki pengaruh signifikan atas
Perusahaan; atau b. has significant influence over the
Company; or c. personil manajemen kunci
Perusahaan atau entitas induk Perusahaan.
c. is a member of the key management personnel of the reporting entity or of a parent of the Company.
2. Suatu entitas berelasi dengan
Perusahaan jika memenuhi salah satu hal berikut:
2. An entity is related to the Company if any of the following conditions applies:
a. Entitas dan Perusahaan adalah
anggota dari kelompok usaha yang sama.
a. The entity and the Company are members of the same group.
b. Satu entitas adalah entitas asosiasi atau ventura bersama dari entitas lain (atau entitas asosiasi atau ventura bersama yang merupakan anggota suatu kelompok usaha, yang mana entitas lain tersebut adalah anggotanya).
b. One entity is an associate or joint venture of the other entity (or an associate or joint venture of a member of a group of which the other entity is a member).
c. Kedua entitas tersebut adalah ventura bersama dari pihak ketiga yang sama.
c. Both entities are joint ventures of the same third party.
d. Satu entitas adalah ventura bersama dari entitas ketiga dan entitas yang lain adalah entitas asosiasi dari entitas ketiga.
d. One entity is a joint venture of a third entity and the other entity is an associate of the third entity.
e. Entitas tersebut adalah suatu program imbalan pascakerja untuk imbalan kerja dari Perusahaan atau entitas yang terkait dengan Perusahaan. Jika Perusahaan adalah entitas yang menyelenggarakan program tersebut, maka entitas sponsor juga berelasi dengan Perusahaan.
e. The entity is a post-employment defined benefit plan for the benefit of employees of either the Company or an entity related to the Company. If the Company is itself such a plan, the sponsoring employers are also related to the Company.
f. Entitas yang dikendalikan atau dikendalikan bersama oleh orang yang diidentifikasi dalam huruf (1).
f. The entity is controlled or jointly controlled by a person identified in (1).
g. Orang yang diidentifikasi dalam huruf (1) (a) memiliki pengaruh signifikan atas entitas atau merupakan personil manajemen kunci entitas (atau entitas induk dari entitas).
g. A person identified in (1) (a) has significant influence over the entity or is a member of the key management personnel of the entity (or of a parent of the entity).
Semua transaksi signifikan dengan pihak berelasi telah diungkapkan dalam laporan keuangan.
All significant transactions with related parties are disclosed in the financial statements.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 16 -
d. Kas dan Setara Kas d. Cash and Cash Equivalents
Kas terdiri dari kas dan bank. Setara kas adalah semua investasi yang bersifat jangka pendek dan sangat likuid yang dapat segera dikonversikan menjadi kas dengan jatuh tempo dalam waktu tiga bulan atau kurang sejak tanggal penempatannya, dan yang tidak dijaminkan serta tidak dibatasi pencairannya.
Cash consists of cash on hand and in banks. Cash equivalents are short-term, highly liquid investments that are readily convertible to known amounts of cash with original maturities of three (3) months or less from the date of placements, and which are not used as collateral and are not restricted.
e. Instrumen Keuangan e. Financial Instruments
Perusahaan mengakui aset keuangan atau liabilitas keuangan pada laporan posisi keuangan jika, dan hanya jika, Perusahaan menjadi salah satu pihak dalam ketentuan pada kontrak instrumen tersebut. Pembelian atau penjualan yang reguler atas instrumen keuangan diakui pada tanggal transaksi.
The Company recognizes a financial asset or a financial liability in the statement of financial position if, and only if, they become a party to the contractual provisions of the instrument. All regular way purchases and sales of financial instruments are recognized on the transaction date.
Instrumen keuangan pada pengakuan awal diukur pada nilai wajarnya, yang merupakan nilai wajar kas yang diserahkan (dalam hal aset keuangan) atau yang diterima (dalam hal liabilitas keuangan). Nilai wajar kas yang diserahkan atau diterima ditentukan dengan mengacu pada harga transaksi atau harga pasar yang berlaku. Jika harga pasar tidak dapat ditentukan dengan andal, maka nilai wajar kas yang diserahkan atau diterima dihitung berdasarkan estimasi jumlah seluruh pembayaran atau penerimaan kas masa depan, yang didiskontokan menggunakan suku bunga pasar yang berlaku untuk instrumen sejenis dengan jatuh tempo yang sama atau hampir sama. Pengukuran awal instrumen keuangan termasuk biaya transaksi, kecuali untuk instrumen keuangan yang diukur pada nilai wajar melalui laba rugi.
Financial instruments are recognized initially at fair value, which is the fair value of the consideration given (in case of an asset) or received (in case of a liability). The fair value of the consideration given or received is determined by reference to the transaction price or other market prices. If such market prices are not reliably determinable, the fair value of the consideration is estimated as the sum of all future cash payments or receipts, discounted using the prevailing market rates of interest for similar instruments with similar maturities. The initial measurement of financial instruments, except for financial instruments at fair value through profit and loss (FVPL), includes transaction costs.
Biaya transaksi adalah biaya-biaya yang dapat diatribusikan secara langsung pada perolehan atau penerbitan aset keuangan atau liabilitas keuangan, dimana biaya tersebut adalah biaya yang tidak akan terjadi apabila entitas tidak memperoleh atau menerbitkan instrumen keuangan. Biaya transaksi tersebut diamortisasi sepanjang umur instrumen menggunakan metode suku bunga efektif.
Transaction costs include only those costs that are directly attributable to the acquisition of a financial asset or issue of financial liability and they are incremental costs that would not have been incurred if the instrument had not been acquired or issued. Such transaction costs are amortized over the terms of the instruments based on the effective interest rate method.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 17 -
Metode suku bunga efektif adalah metode yang digunakan untuk menghitung biaya perolehan diamortisasi dari aset keuangan atau liabilitas keuangan dan metode untuk mengalokasikan pendapatan bunga atau beban bunga selama periode yang relevan, menggunakan suku bunga yang secara tepat mendiskontokan estimasi pembayaran atau penerimaan kas di masa depan selama perkiraan umur instrumen keuangan atau, jika lebih tepat, digunakan periode yang lebih singkat untuk memperoleh nilai tercatat bersih dari instrumen keuangan. Pada saat menghitung suku bunga efektif, Perusahaan mengestimasi arus kas dengan mempertimbangkan seluruh persyaratan kontraktual dalam instrumen keuangan tersebut, tanpa mempertimbangkan kerugian kredit di masa depan, namun termasuk seluruh komisi dan bentuk lain yang dibayarkan atau diterima, yang merupakan bagian tidak terpisahkan dari suku bunga efektif.
Effective interest rate method is a method of calculating the amortized cost of a financial asset or a financial liability and allocating the interest income or expense over the relevant period by using an interest rate that exactly discounts estimated future cash payments or receipts through the expected life of the instruments or, when appropriate, a shorter period to the net carrying amount of the financial instruments. When calculating the effective interest, the Company estimates future cash flows considering all contractual terms of the financial instruments excluding future credit losses and includes all fees and points paid or received that are an integral part of the effective interest rate.
Biaya perolehan diamortisasi dari aset keuangan atau liabilitas keuangan adalah jumlah aset keuangan atau liabilitas keuangan yang diukur pada saat pengakuan awal dikurangi pembayaran pokok, ditambah atau dikurangi dengan amortisasi kumulatif menggunakan metode suku bunga efektif yang dihitung dari selisih antara nilai awal dan nilai jatuh temponya, dan dikurangi cadangan kerugian penurunan nilai untuk penurunan nilai atau nilai yang tidak dapat ditagih.
Amortized cost is the amount at which the financial asset or financial liability is measured at initial recognition, minus principal repayments, plus or minus the cumulative amortization using the effective interest rate method of any difference between the initial amount recognized and the maturity amount, minus any reduction for impairment.
Pengklasifikasian instrumen keuangan dilakukan berdasarkan tujuan perolehan instrumen tersebut dan mempertimbangkan apakah instrumen tersebut memiliki kuotasi harga di pasar aktif. Pada saat pengakuan awal, Perusahaan mengklasifikasikan instrumen keuangan dalam kategori berikut: aset keuangan yang diukur pada nilai wajar melalui laba rugi, pinjaman yang diberikan dan piutang, investasi dimiliki hingga jatuh tempo, aset keuangan tersedia untuk dijual, liabilitas keuangan yang diukur pada nilai wajar melalui laba rugi dan liabilitas keuangan yang diukur pada biaya perolehan diamortisasi; dan melakukan evaluasi kembali atas kategori-kategori tersebut pada setiap tanggal pelaporan, apabila diperlukan dan tidak melanggar ketentuan yang disyaratkan.
The classification of the financial instruments depends on the purpose for which the instruments were acquired and whether they are quoted in an active market. At initial recognition, the Company classifies its financial instruments in the following categories: financial assets at FVPL, loans and receivables, held-to-maturity (HTM) investments, available for sale (AFS) financial assets, financial liabilities at FVPL and financial liabilities measured at amortized cost; and where allowed and appropriate, re-evaluates such classification at every reporting date.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 18 -
Penentuan Nilai Wajar Determination of Fair Value Nilai wajar instrumen keuangan yang diperdagangkan di pasar aktif pada tanggal laporan posisi keuangan adalah berdasarkan kuotasi harga pasar atau harga kuotasi penjual/dealer (bid price untuk posisi beli dan ask price untuk posisi jual), tanpa memperhitungkan biaya transaksi. Apabila bid price dan ask price yang terkini tidak tersedia, maka harga transaksi terakhir yang digunakan untuk mencerminkan bukti nilai wajar terkini, sepanjang tidak terdapat perubahan signifikan dalam perekonomian sejak terjadinya transaksi. Untuk seluruh instrumen keuangan yang tidak terdaftar pada suatu pasar aktif, maka nilai wajar ditentukan menggunakan teknik penilaian. Teknik penilaian meliputi teknik nilai kini (net present value), perbandingan terhadap instrumen sejenis yang memiliki harga pasar yang dapat diobservasi, model harga opsi (options pricing models), dan model penilaian lainnya.
The fair value of financial instruments traded in active markets at the statement of financial position date is based on their quoted market price or dealer price quotations (bid price for long positions and ask price for short positions), without any deduction for transaction costs. When current bid and asking prices are not available, the price of the most recent transaction is used since it provides evidence of the current fair value as long as there has not been a significant change in economic circumstances since the time of the transaction. For all other financial instruments not listed in an active market, the fair value is determined by using appropriate valuation techniques. Valuation techniques include net present value techniques, comparison to similar instruments for which market observable prices exist, options pricing models, and other relevant valuation models.
Perusahaan mengklasifikasi pengukuran nilai wajar dengan menggunakan hirarki nilai wajar yang mencerminkan signifikansi input yang digunakan untuk melakukan pengukuran. Hirarki nilai wajar memiliki tingkat sebagai berikut:
The Company classifies the measurement of fair value by using fair value hierarchy which reflects significance of inputs used to measure the fair value. The fair value hierarchy is as follows:
1. Harga kuotasian dalam pasar aktif
untuk aset atau liabilitas yang identik (Tingkat 1);
1. Quoted prices in active market for identical assets or liabilities (Level 1);
2. Input selain harga kuotasian yang
termasuk dalam Tingkat 1 yang dapat diobservasi untuk aset atau liabilitas, baik secara langsung atau secara tidak langsung (Tingkat 2);
2. Inputs other than quoted prices which include in Level 1, and are either directly or indirectly observable for assets or liabilities (Level 2);
3. Input untuk aset atau liabilitas yang
bukan berdasarkan data yang dapat diobservasi (Tingkat 3).
3. Inputs for assets and liabilities which are not derived from observable data (Level 3).
Tingkat pada hirarki nilai wajar dimana pengukuran nilai wajar dikategorikan secara keseluruhan ditentukan berdasarkan input tingkat terendah yang signifikan terhadap pengukuran nilai wajar secara keseluruhan. Penilaian signifikansi suatu input tertentu dalam pengukuran nilai wajar secara keseluruhan memerlukan pertimbangan dengan memperhatikan faktor-faktor spesifik atas aset atau liabilitas tersebut.
The level in fair value hierarchy to determine the measurement of fair value as a whole is determined based on the lowest level of input which is significant to the measurement of fair value. Assessment of significance of an input to the measurement of fair value as a whole needs necessary judgments by considering specific factors of the assets or liabilities.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 19 -
Laba/Rugi Hari ke-1 Day 1 Profit/Loss Apabila harga transaksi dalam suatu pasar yang tidak aktif berbeda dengan nilai wajar instrumen sejenis pada transaksi pasar terkini yang dapat diobservasi atau berbeda dengan nilai wajar yang dihitung menggunakan teknik penilaian dimana variabelnya merupakan data yang diperoleh dari pasar yang dapat diobservasi, maka Perusahaan mengakui selisih antara harga transaksi dengan nilai wajar tersebut (yakni Laba/Rugi hari ke-1) dalam laporan laba rugi komprehensif, kecuali jika selisih tersebut memenuhi kriteria pengakuan sebagai aset yang lain. Dalam hal tidak terdapat data yang dapat diobservasi, maka selisih antara harga transaksi dan nilai yang ditentukan berdasarkan teknik penilaian hanya diakui dalam laporan laba rugi komprehensif apabila data tersebut menjadi dapat diobservasi atau pada saat instrumen tersebut dihentikan pengakuannya. Untuk masing-masing transaksi, Perusahaan menerapkan metode pengakuan Laba/Rugi Hari ke-1 yang sesuai.
Where the transaction price in a non-active market is different from the fair value of other observable current market transactions in the same instrument or based on a valuation technique whose variables include only data from observable market, the Company recognizes the difference between the transaction price and fair value (a Day 1 profit/loss) in the statement of comprehensive income unless it qualifies for recognition as some other type of asset. In cases where the data is not observable, the difference between the transaction price and model value is only recognized in the statement of comprehensive income when the inputs become observable or when the instrument is derecognized. For each transaction, the Company determines the appropriate method of recognizing the “Day 1” profit/loss amount.
Aset Keuangan Financial Assets 1. Aset keuangan yang diukur pada nilai
wajar melalui laba rugi 1. Financial Assets at FVPL
Aset keuangan yang diukur pada nilai wajar melalui laba rugi meliputi aset keuangan dalam kelompok diperdagangkan dan aset keuangan yang pada saat pengakuan awal ditetapkan untuk diukur pada nilai wajar melalui laba rugi. Aset keuangan diklasifikasikan dalam kelompok dimiliki untuk diperdagangkan apabila aset keuangan tersebut diperoleh terutama untuk tujuan dijual kembali dalam waktu dekat. Derivatif juga diklasifikasikan sebagai dimiliki untuk diperdagangkan kecuali derivatif yang ditetapkan sebagai instrumen lindung nilai yang efektif.
Financial assets at FVPL include financial assets held for trading and financial assets designated upon initial recognition at FVPL. Financial assets are classified as held for trading if they are acquired for the purpose of selling in the near term. Derivatives are also classified as held for trading unless they are designated as effective hedging instruments.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 20 -
Aset keuangan ditetapkan sebagai diukur pada nilai wajar melalui laba rugi pada saat pengakuan awal jika memenuhi kriteria sebagai berikut:
Financial assets may be designated at initial recognition at FVPL if the following criteria are met:
a. Penetapan tersebut mengeliminasi
atau mengurangi secara signifikan ketidakkonsistenan pengukuran dan pengakuan yang dapat timbul dari pengukuran aset atau pengakuan keuntungan dan kerugian karena penggunaan dasar-dasar yang berbeda; atau
a. the designation eliminates or significantly reduces the inconsistent treatment that would otherwise arise from measuring the financial assets or recognizing gains or losses on them on a different basis; or
b. Aset tersebut merupakan bagian
dari kelompok aset keuangan, liabilitas keuangan, atau keduanya, yang dikelola dan kinerjanya dievaluasi berdasarkan nilai wajar, sesuai dengan manajemen risiko atau strategi investasi yang didokumentasikan; atau
b. the assets are part of a group of financial assets, financial liabilities or both which are managed and their performance evaluated on a fair value basis, in accordance with a documented risk management or investment strategy; or
c. instrumen keuangan tersebut
memiliki derivatif melekat, kecuali jika derivatif melekat tersebut tidak memodifikasi secara signifikan arus kas, atau terlihat jelas dengan sedikit atau tanpa analisis, bahwa pemisahan derivatif melekat tidak dapat dilakukan.
c. the financial instruments contains an embedded derivative, unless the embedded derivative does not significantly modify the cash flows or it is clear, with little or no analysis, that it would not be separately recorded.
Aset keuangan yang diukur pada nilai wajar melalui laba rugi dicatat pada laporan posisi keuangan pada nilai wajarnya. Perubahan nilai wajar langsung diakui dalam laporan laba rugi komprehensif. Bunga yang diperoleh dicatat sebagai pendapatan bunga, sedangkan pendapatan dividen dicatat sebagai bagian dari pendapatan lain-lain sesuai dengan persyaratan dalam kontrak, atau pada saat hak untuk memperoleh pembayaran atas dividen tersebut telah ditetapkan.
Financial assets at FVPL are recorded in the statement of financial position at fair value. Changes in fair value are recognized directly in the statement of comprehensive income. Interest earned is recorded as interest income, while dividend income is recorded as part of other income according to the terms of the contract, or when the right of payment has been established.
Pada tanggal 31 Desember 2014 dan 2013, efek-efek berupa obligasi korporasi dan obligasi Pemerintah diklasifikasikan dalam kategori ini.
As of December 30, 2014 and 2013, securities in the form of corporate bonds and Government bonds are included in this category.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 21 -
2. Pinjaman yang Diberikan dan Piutang 2. Loans and Receivables
Pinjaman yang diberikan dan piutang adalah aset keuangan non-derivatif dengan pembayaran tetap atau telah ditentukan dan tidak mempunyai kuotasi di pasar aktif. Aset keuangan tersebut tidak dimaksudkan untuk dijual dalam waktu dekat dan tidak diklasifikasikan sebagai aset keuangan yang diukur pada nilai wajar melalui laba rugi, investasi dimiliki hingga jatuh tempo atau aset tersedia untuk dijual.
Loans and receivables are non-derivative financial assets with fixed or determinable payments that are not quoted in an active market. They are not entered into with the intention of immediate or short-term resale and are not classified as financial assets at FVPL, HTM investments or AFS financial assets.
Setelah pengukuran awal, pinjaman yang diberikan dan piutang diukur pada biaya perolehan diamortisasi menggunakan metode suku bunga efektif, dikurangi cadangan kerugian penurunan nilai. Biaya perolehan diamortisasi tersebut memperhitungkan premi atau diskonto yang timbul pada saat perolehan serta imbalan dan biaya yang merupakan bagian integral dari suku bunga efektif. Amortisasi dicatat sebagai bagian dari pendapatan bunga dalam laporan laba rugi komprehensif. Kerugian yang timbul akibat penurunan nilai diakui dalam laporan laba rugi komprehensif.
After initial measurement, loans and receivables are subsequently measured at amortized cost using the effective interest method, less allowance for impairment. Amortized cost is calculated by taking into account any discount or premium on acquisition and fees and costs that are an integral part of the effective interest rate. The amortization is included as part of interest income in the statement of comprehensive income. The losses arising from impairment are recognized in the statement of comprehensive income.
Pada tanggal 31 Desember 2014 dan 2013, kategori ini mencakup kas, giro pada Bank Indonesia dan bank lain, penempatan pada bank lain, efek-efek berupa tagihan atas wesel ekspor, efek yang dibeli dengan janji jual kembali, kredit yang diberikan, tagihan akseptasi, pendapatan bunga akrual, serta aset lain-lain berupa setoran jaminan, tagihan sehubungan dengan penyelesaian Bank Indover, tagihan komisi asuransi, tagihan sehubungan dengan ATM bersama dan tagihan komisi reksadana.
As of December 31, 2014 and 2013, this category includes cash, demand deposits with Bank Indonesia and other banks, placements with other banks, securities in the form of bills receivable, securities purchased under agreements to resell, loans, acceptance receivable, interest receivable as well as other assets in the form of security deposits, receivable in connection with the settlement of Indover Bank, insurance commission receivables, bills relating to ATM and mutual funds receivables.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 22 -
3. Investasi Dimiliki Hingga Jatuh Tempo 3. HTM Investments
Investasi dimiliki hingga jatuh tempo adalah aset keuangan non-derivatif dengan pembayaran tetap atau telah ditentukan dan jatuh temponya telah ditetapkan, dan manajemen Perusahaan memiliki intensi positif dan kemampuan untuk memiliki aset keuangan tersebut hingga jatuh tempo. Apabila Perusahaan menjual atau mereklasifikasi investasi dimiliki hingga jatuh tempo dalam jumlah yang lebih dari jumlah yang tidak signifikan sebelum jatuh tempo, maka seluruh aset keuangan dalam kategori tersebut terkena aturan pembatasan (tainting rule) dan harus direklasifikasi ke kelompok tersedia untuk dijual.
HTM investments are non-derivative financial assets with fixed or determinable payments and fixed maturities for which the Company’s management has the positive intention and ability to hold to maturity. When the Company sells or reclassifies other than an insignificant amount of HTM investments before maturity, the entire category would be tainted and reclassified as AFS financial assets.
Setelah pengukuran awal, investasi ini diukur pada biaya perolehan diamortisasi menggunakan metode suku bunga efektif, setelah dikurangi cadangan kerugian penurunan nilai. Biaya perolehan diamortisasi tersebut memperhitungkan premi atau diskonto yang timbul pada saat perolehan serta imbalan dan biaya yang merupakan bagian integral dari suku bunga efektif. Amortisasi dicatat sebagai bagian dari pendapatan bunga dalam laporan laba rugi komprehensif. Keuntungan dan kerugian yang timbul diakui dalam laporan laba rugi komprehensif pada saat penghentian pengakuan dan penurunan nilai dan melalui proses amortisasi menggunakan metode suku bunga efektif.
After initial measurement, these investments are subsequently measured at amortized cost using the effective interest method, less allowance for impairment in value. Amortized cost is calculated by taking into account any discount or premium on acquisition and fees that are an integral part of the effective interest rate. The amortization is included as part of interest income in the statement of comprehensive income. Gains and losses are recognized in the statement of comprehensive income when the HTM investments are derecognized and impaired, as well as through the amortization process using effective interest method.
Pada tanggal 31 Desember 2014 dan 2013, kategori ini mencakup penempatan pada Bank Indonesia dalam bentuk deposit facility dan term deposit, efek-efek dalam bentuk Sertifikat Bank Indonesia (SBI), obligasi Pemerintah, obligasi korporasi, dan Republik Indonesia - ROI Loans.
As of December, 2014 and 2013, this category includes placements with Bank Indonesia in the form of deposit facility and term deposits and investments in securities in the form of Bank Indonesia Certificates (SBI), Government bonds, corporate bonds, and the Republic of Indonesia - ROI Loan.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 23 -
4. Aset Keuangan Tersedia untuk Dijual 4. AFS Financial Assets
Aset keuangan tersedia untuk dijual merupakan aset yang ditetapkan sebagai tersedia untuk dijual atau tidak diklasifikasikan dalam kategori instrumen keuangan yang lain. Aset keuangan ini diperoleh dan dimiliki untuk jangka waktu yang tidak ditentukan dan dapat dijual sewaktu-waktu untuk memenuhi kebutuhan likuiditas atau karena perubahan kondisi pasar.
AFS financial assets are those which are designated as such or not classified in any of the other categories. They are purchased and held indefinitely and may be sold in response to liquidity requirements or changes in market conditions.
Setelah pengukuran awal, aset keuangan tersedia untuk dijual diukur pada nilai wajar, dengan laba atau rugi yang belum direalisasi diakui sebagai pendapatan komprehensif lain sampai aset keuangan tersebut dihentikan pengakuannya atau dianggap telah mengalami penurunan nilai, dimana pada saat itu akumulasi laba atau rugi direklasifikasi ke komponen laba rugi dan dikeluarkan dari ekuitas.
After initial measurement, AFS financial assets are measured at fair value with unrealized gains or losses recognized as other comprehensive income until the investment is sold, or determined to be impaired, at which time the cumulative gain or loss is reclassified to the profit and loss and removed from equity.
Pada tanggal 31 Desember 2014 dan 2013, kategori ini mencakup investasi efek-efek dalam bentuk obligasi korporasi dan obligasi Pemerintah.
As of December 31, 2014 and 2013, this category includes investments securities in the form of corporate bonds and Government bonds.
Liabilitas Keuangan dan Instrumen Ekuitas
Financial Liabilities and Equity Instruments
Liabilitas keuangan dan instrumen ekuitas Perusahaan diklasifikasikan berdasarkan substansi perjanjian kontraktual serta definisi liabilitas keuangan dan instrumen ekuitas. Kebijakan akuntansi yang diterapkan atas instrumen keuangan tersebut diungkapkan berikut ini.
Financial liabilities and equity instruments of the Company are classified according to the substance of the contractual arrangements entered into and the definitions of a financial liability and equity instrument. The accounting policies adopted for specific financial instruments are set out below.
Instrumen Ekuitas Equity Instruments Instrumen ekuitas adalah setiap kontrak yang memberikan hak residual atas aset suatu entitas setelah dikurangi dengan seluruh liabilitasnya. Instrumen ekuitas dicatat sejumlah hasil yang diterima, setelah dikurangkan dengan biaya penerbitan langsung.
An equity instrument is any contract that evidences a residual interest in the assets of an entity after deducting all of its liabilities. Equity instruments are recorded at the proceeds received, net of direct issue costs.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 24 -
Liabilitas Keuangan Financial Liabilities 1. Liabilitas keuangan yang diukur pada
nilai wajar melalui laba rugi 1. Financial Liabilities at FVPL
Liabilitas keuangan diklasifikasikan dalam kategori ini apabila liabilitas tersebut merupakan hasil dari aktivitas perdagangan atau transaksi derivatif yang tidak dimaksudkan sebagai lindung nilai, atau jika Perusahaan memilih untuk menetapkan liabilitas keuangan tersebut dalam kategori ini.
Financial liabilities are classified in this category if these result from trading activities or derivative transactions that are not accounted for as accounting hedges, or when the Company elects to designate a financial liability under this category.
Perubahan dalam nilai wajar langsung diakui dalam laporan laba rugi komprehensif.
Changes in fair value are recognized directly in the statements of comprehensive income.
Pada tanggal 31 Desember 2014 dan 2013, liabilitas derivatif diklasifikasikan dalam kategori ini.
As of December 31, 2014 and 2013, derivative liabilities are included in this category.
2. Liabilitas Keuangan yang Diukur Pada
Biaya Perolehan Diamortisasi 2. Financial Liabilities Measured at
Amortized Cost
Kategori ini merupakan liabilitas keuangan yang dimiliki tidak untuk diperdagangkan atau pada saat pengakuan awal tidak ditetapkan untuk diukur pada nilai wajar melalui laba rugi.
This category pertains to financial liabilities that are not held for trading or not designated at FVPL upon the inception of the liability.
Instrumen keuangan yang diterbitkan atau komponen dari instrumen keuangan tersebut, yang tidak diklasifikasikan sebagai liabilitas keuangan yang diukur pada nilai wajar melalui laba rugi, diklasifikasikan sebagai liabilitas keuangan yang diukur pada biaya perolehan diamortisasi, jika substansi perjanjian kontraktual mengharuskan Perusahaan untuk menyerahkan kas atau aset keuangan lain kepada pemegang instrumen keuangan, atau jika liabilitas tersebut diselesaikan tidak melalui penukaran kas atau aset keuangan lain atau saham sendiri yang jumlahnya tetap atau telah ditetapkan.
Issued financial instruments or their components, which are not classified as financial liabilities at FVPL are classified as financial liabilities measured at amortized cost, where the substance of the contractual arrangement results in the Company having an obligation either to deliver cash or another financial asset to the holder, or to satisfy the obligation other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of own equity shares.
Liabilitas keuangan yang diukur pada biaya perolehan diamortisasi pada pengakuan awal diukur pada nilai wajar dan sesudah pengakuan awal diukur pada biaya perolehan diamortisasi, dengan memperhitungkan dampak amortisasi (atau akresi) berdasarkan suku bunga efektif atas premi, diskonto, dan biaya transaksi yang dapat diatribusikan secara langsung.
Financial liabilities measured at amortized cost are recognized initially at fair value and are subsequently carried at amortized cost, taking into account the impact of applying the effective interest method of amortization (or accretion) for any related premium, discount, and any directly attributable transaction costs.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 25 -
Pada tanggal 31 Desember 2014 dan 2013, kategori ini mencakup liabilitas segera, simpanan, simpanan dari bank lain, liabilitas akseptasi, surat berharga yang diterbitkan, beban bunga akrual, serta liabilitas lain-lain dalam bentuk liabilitas premi penjaminan Pemerintah serta setoran jaminan L/C dan bank garansi.
As of December 31, 2014 and 2013, this category includes liabilities immediately payable, deposits, deposits from other banks, acceptances payable, securities issued, accrued interest, as well as other liabilities in the form of Government guarantee premium liabilities, security deposit for L/C and bank guarantee.
Instrumen Keuangan Derivatif Derivative Financial Instruments Dalam usaha normalnya, Perusahaan melakukan transaksi instrumen keuangan derivatif berupa kontrak tunai dan berjangka mata uang asing. Instrumen keuangan derivatif dinilai dan dibukukan di laporan posisi keuangan pada nilai wajar dengan menggunakan harga pasar. Derivatif dicatat sebagai aset apabila memiliki nilai wajar positif dan sebagai liabilitas apabila memiliki nilai wajar negatif. Keuntungan atau kerugian yang terjadi dari perubahan nilai wajar diakui sebagai laba/rugi.
In the normal course of business, the Company enters into transactions involving derivative financial instruments such as foreign currency spot and forward contracts and foreign currency swaps. Derivative financial instruments are valued and recorded on statement of financial position at their fair value using market rates. Derivatives are carried as assets when the fair value is positive and as liabilities when the fair value is negative. Gains or losses as a result of fair value changes are recognized as current year profit/loss.
Saling Hapus Instrumen Keuangan Offsetting of Financial Instruments
Aset keuangan dan liabilitas keuangan saling hapus dan nilai bersihnya disajikan dalam laporan posisi keuangan jika, dan hanya jika, Perusahaan saat ini memiliki hak yang berkekuatan hukum untuk melakukan saling hapus atas jumlah yang telah diakui tersebut dan berniat untuk menyelesaikan secara neto atau untuk merealisasikan aset dan menyelesaikan liabilitasnya secara simultan.
Financial assets and liabilities are offset and the net amount reported in the statements of financial position if, and only if, there is a currently enforceable right to offset the recognized amounts and there is intention to settle on a net basis, or to realize the asset and settle the liability simultaneously.
Penghentian Pengakuan Aset dan Liabilitas Keuangan
Derecognition of Financial Assets and Liabilities
1. Aset Keuangan 1. Financial Assets
Aset keuangan (atau bagian dari suatu aset keuangan, atau kelompok aset keuangan serupa) dihentikan pengakuannya jika:
Financial asset (or, where applicable, a part of a financial asset or part of a group of similar financial assets) is derecognized when:
a. Hak kontraktual atas arus kas
yang berasal dari aset keuangan tersebut berakhir;
a. The rights to receive cash flows from the asset have expired;
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 26 -
b. Perusahaan telah mentransfer
haknya untuk menerima arus kas dari aset keuangan dan (i) telah mentransfer secara substansial seluruh risiko dan manfaat atas aset keuangan, atau (ii) secara substansial tidak mentransfer atau tidak memiliki seluruh risiko dan manfaat atas aset keuangan, namun telah mentransfer pengendalian atas aset keuangan tersebut.
b. The Company has transferred its rights to receive cash flows from the asset and either (i) has transferred substantially all the risks and rewards of the asset, or (ii) has neither transferred nor retained substantially all the risks and rewards of the asset, but has transferred control of the asset.
Ketika Perusahaan telah mentransfer hak untuk menerima arus kas dari suatu aset keuangan atau telah menjadi pihak dalam suatu kesepakatan, dan secara substansial tidak mentransfer dan tidak memiliki seluruh risiko dan manfaat atas aset keuangan dan masih memiliki pengendalian atas aset tersebut, maka aset keuangan diakui sebesar keterlibatan berkelanjutan Perusahaan dengan aset keuangan tersebut. Keterlibatan berkelanjutan dalam bentuk pemberian jaminan atas aset yang ditransfer diukur berdasarkan jumlah terendah antara nilai aset yang ditransfer dengan nilai maksimal dari pembayaran yang diterima yang mungkin harus dibayar kembali oleh Perusahaan.
Where the Company has transferred its rights to receive cash flows from an asset or has entered into a pass-through arrangement, and has neither transferred nor retained substantially all the risks and rewards of the asset nor the transferred control of the asset, the asset is recognized to the extent of the Company continuing involvement in the asset. Continuing involvement that takes the form of a guarantee over the transferred asset is measured at the lower of the original carrying amount of the asset and the maximum amount of consideration that the Company could be required to repay.
2. Liabilitas Keuangan 2. Financial Liabilities
Liabilitas keuangan dihentikan pengakuannya jika liabilitas keuangan tersebut berakhir, dibatalkan, atau telah kadaluarsa. Jika liabilitas keuangan tertentu digantikan dengan liabilitas keuangan lain dari pemberi pinjaman yang sama namun dengan persyaratan yang berbeda secara substansial, atau terdapat modifikasi secara substansial atas ketentuan liabilitas keuangan yang ada saat ini, maka pertukaran atau modifikasi tersebut dianggap sebagai penghentian pengakuan liabilitas keuangan awal. Pengakuan timbulnya liabilitas keuangan baru serta selisih antara nilai tercatat liabilitas keuangan awal dengan yang baru diakui dalam laporan laba rugi komprehensif.
A financial liability is derecognized when the obligation under the contract is discharged, cancelled or has expired. Where an existing financial liability is replaced by another from the same lender on substantially different terms, or the terms of an existing liability are substantially modified, such an exchange or modification is treated as a derecognition of the original liability. The recognition of a new liability and the difference in the respective carrying amounts is recognized in the statement of comprehensive income.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 27 -
f. Penurunan Nilai Dari Aset Keuangan f. Impairment of Financial Assets
Pada setiap tanggal laporan posisi keuangan, manajemen Perusahaan menelaah apakah suatu aset keuangan atau kelompok aset keuangan telah mengalami penurunan nilai.
The Company’s management assesses at each statement of financial position date whether a financial asset or group of financial assets is impaired.
1. Aset keuangan pada biaya perolehan
diamortisasi 1. Assets Carried at Amortized Cost
Manajemen pertama-tama menentukan apakah terdapat bukti obyektif mengenai penurunan nilai secara individual atas aset keuangan yang signifikan secara individual, atau secara kolektif untuk aset keuangan yang jumlahnya tidak signifikan secara individual. Jika manajemen menentukan tidak terdapat bukti obyektif mengenai penurunan nilai atas aset keuangan yang dinilai secara individual, baik aset keuangan tersebut signifikan atau tidak signifikan, maka aset tersebut dimasukkan ke dalam kelompok aset keuangan yang memiliki karakteristik risiko kredit yang sejenis dan menilai penurunan nilai kelompok tersebut secara kolektif. Aset yang penurunan nilainya dinilai secara individual, dan untuk itu kerugian penurunan nilai diakui atau tetap diakui, tidak termasuk dalam penilaian penurunan nilai secara kolektif.
The management first assesses whether objective evidence of impairment exists individually for financial assets that are individually significant, or collectively for financial assets that are not individually significant. If the management determines that no objective evidence of impairment exists for an individually assessed financial asset, whether significant or not, the asset is included in a group of financial assets with similar credit risk characteristics and that group of financial assets is collectively assessed for impairment. Assets that are individually assessed for impairment and for which an impairment loss, is or continues to be recognized are not included in a collective assessment of impairment.
Bukti obyektif bahwa aset keuangan mengalami penurunan nilai meliputi wanprestasi atau tunggakan pembayaran oleh debitur, kesulitan keuangan, restrukturisasi kredit dengan persyaratan yang tidak mungkin diberikan Perusahaan jika debitur tidak mengalami kesulitan keuangan, indikasi debitur atau penerbit dinyatakan pailit, hilangnya pasar aktif dari aset keuangan akibat kesulitan keuangan, atau data yag dapat diobservasi mengindikasikan adanya penurunan yang dapat diukur atas estimasi arus kas masa datang dari kelompok aset keuangan sejak pengakuan awal aset dimaksud, meskipun penurunannya belum dapat diidentifikasi terhadap aset keuangan secara individual dalam kelompok aset tersebut, termasuk memburuknya status pembayaran pihak peminjam dalam kelompok tersebut.
Objective evidence that financial assets are impaired can include default or delinquency by a borrower, restructuring of a loan with the terms that the Company would not otherwise consider if the borrower has no financial difficulties, indications that a borrower or issuer will enter into bankruptcy, disappearance of an active market for a security due to financial difficulties, observable data indicating that there is a measurable decrease in the estimated future cash flows from a portfolio of financial assets since the initial recognition of those assets, although the decrease cannot yet be identified with the individual financial assets in the portfolio, including adverse changes in the payment status of borrowers in the portfolio.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 28 -
Jika terdapat bukti obyektif bahwa rugi penurunan nilai telah terjadi, maka jumlah kerugian tersebut diukur sebagai selisih antara nilai tercatat aset dengan nilai kini estimasi arus kas masa depan (tidak termasuk kerugian kredit di masa depan yang belum terjadi) yang didiskonto menggunakan suku bunga efektif awal dari aset tersebut (yang merupakan suku bunga efektif yang dihitung pada saat pengakuan awal). Nilai tercatat aset tersebut langsung dikurangi dengan penurunan nilai yang terjadi atau menggunakan akun cadangan dan jumlah kerugian yang terjadi diakui dalam laporan laba rugi komprehensif.
If there is an objective evidence that an impairment loss has been incurred, the amount of the loss is measured as the difference between the asset’s carrying amount and the present value of estimated future cash flows (excluding future credit losses that have not been incurred) discounted at the financial asset’s original effective interest rate (i.e., the effective interest rate computed at initial recognition). The carrying amount of the asset shall be reduced either directly or through the use of an allowance account. The amount of loss is charged to the statement of comprehensive income.
Perhitungan nilai kini dari estimasi arus kas masa datang atas aset keuangan dengan agunan mencerminkan arus kas yang dapat dihasilkan dari pengambilalihan agunan dikurangi biaya-biaya untuk memperoleh dan menjual agunan, terlepas apakah pengambilalihan tersebut berpeluang terjadi atau tidak.
The calculation of the present value of the estimated future cash flows of a collateralised financial asset reflects the cash flows that may result from foreclosure less costs for obtaining and selling the collateral, whether or not foreclosure is probable.
Untuk tujuan evaluasi penurunan nilai secara kolektif, aset keuangan dikelompokkan berdasarkan kesamaan karakteristik risiko kredit seperti mempertimbangkan segmentasi kredit dan status tunggakan. Karakteristik yang dipilih adalah relevan dengan estimasi arus kas masa datang dari kelompok aset tersebut yang mengindikasikan kemampuan debitur atau rekanan untuk membayar seluruh liabilitas yang jatuh tempo sesuai persyaratan kontrak dari aset yang dievaluasi.
For the purposes of a collective evaluation of impairment, financial assets are grouped based on similar characteristics such as credit risk and credit segmentation considered delinquent status. The characteristics chosen are relevant to the estimation of future cash flows from the assets that indicates the ability of the debtor or counterparty to pay all liabilities with maturities corresponding contractual terms of the assets being evaluated.
Arus kas masa datang dari kelompok aset keuangan yang penurunan nilainya dievaluasi secara kolektif, diestimasi berdasarkan arus kas kontraktual dan kerugian historis yang pernah dialami atas aset-aset yang memiliki karakteristik risiko kredit yang serupa dengan karakteristik risiko kredit kelompok tersebut. Kerugian historis yang pernah dialami kemudian disesuaikan berdasarkan data terkini yang dapat diobservasi untuk mencerminkan kondisi saat ini yang tidak berpengaruh pada periode terjadinya kerugian historis tersebut, dan untuk menghilangkan pengaruh kondisi yang ada pada periode historis namun sudah tidak ada lagi saat ini.
Future cash flows from the financial assets that are collectively evaluated for impairment, are estimated based on contractual cash flows and historical loss experienced for assets with credit risk characteristics similar credit risk characteristics of the group. Historical losses experienced then adjusted based on the latest data that can be observed to reflect current conditions that did not affect the period in which the historical loss, and to eliminate the influence of existing conditions in the historical period, but was no longer present.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 29 -
Jika, pada tahun berikutnya, jumlah kerugian penurunan nilai berkurang karena suatu peristiwa yang terjadi setelah penurunan nilai tersebut diakui, maka dilakukan penyesuaian atas cadangan kerugian penurunan nilai yang sebelumnya diakui. Pemulihan penurunan nilai selanjutnya diakui dalam laporan laba rugi komprehensif, dengan ketentuan nilai tercatat aset setelah pemulihan penurunan nilai tidak melampaui biaya perolehan diamortisasi pada tanggal pemulihan tersebut.
If, in a subsequent year, the amount of the impairment loss decreases because of an event occurring after the impairment was recognized, the previously recognized impairment loss is reversed. Any subsequent reversal of an impairment loss is recognized in the statement of comprehensive income, to the extent that the carrying value of the asset does not exceed its amortized cost at the reversal date.
2. Aset keuangan yang dicatat pada
biaya perolehan 2. Assets Carried at Cost
Jika terdapat bukti obyektif bahwa kerugian penurunan nilai telah terjadi atas instrumen ekuitas yang tidak memiliki kuotasi harga di pasar aktif dan tidak diukur pada nilai wajar karena nilai wajarnya tidak dapat diukur secara andal, maka jumlah kerugian penurunan nilai diukur berdasarkan selisih antara nilai tercatat aset keuangan dengan nilai kini dari estimasi arus kas masa depan yang didiskontokan pada tingkat pengembalian yang berlaku di pasar untuk aset keuangan serupa.
If there is objective evidence that an impairment loss has been incurred on an unquoted equity instrument that is not carried at fair value because its fair value cannot be reliably measured, the amount of the loss is measured as the difference between the asset’s carrying amount and the present value of estimated future cash flows discounted at the current market rate of return for a similar financial asset.
3. Aset keuangan tersedia untuk dijual 3. AFS Financial Assets
Dalam hal instrumen ekuitas dalam kelompok tersedia untuk dijual, penelaahan penurunan nilai ditandai dengan penurunan nilai wajar dibawah biaya perolehannya yang signifikan dan berkelanjutan. Jika terdapat bukti obyektif penurunan nilai, maka kerugian penurunan nilai kumulatif yang dihitung dari selisih antara biaya perolehan dengan nilai wajar kini, dikurangi kerugian penurunan nilai yang sebelumnya telah diakui dalam komponen laba rugi, dikeluarkan dari ekuitas dan diakui dalam laporan laba rugi komprehensif. Kerugian penurunan nilai tidak boleh dipulihkan melalui komponen laba rugi. Kenaikan nilai wajar setelah terjadinya penurunan nilai diakui di ekuitas.
In case of equity investments classified as AFS, assessment of any impairment would include a significant or prolonged decline in the fair value of the investments below its cost. Where there is evidence of impairment, the cumulative loss measured as the difference between the acquisition cost and the current fair value, less any impairment loss on that financial asset previously recognized in the profit and loss is removed from equity and recognized in the statement of comprehensive income. Impairment losses on equity investments are not reversed through the profit and loss. Increases in fair value after impairment are recognized directly in equity.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 30 -
Dalam hal instrumen utang dalam kelompok tersedia untuk dijual, penurunan nilai ditelaah berdasarkan kriteria yang sama dengan aset keuangan yang dicatat pada biaya perolehan diamortisasi. Bunga tetap diakru berdasarkan suku bunga efektif asal yang diterapkan pada nilai tercatat aset yang telah diturunkan nilainya, dan dicatat sebagai bagian dari pendapatan bunga dalam laporan laba rugi komprehensif. Jika, pada tahun berikutnya, nilai wajar instrumen utang meningkat dan peningkatan nilai wajar tersebut karena suatu peristiwa yang terjadi setelah penurunan nilai tersebut diakui, maka penurunan nilai yang sebelumnya diakui harus dipulihkan melalui komponen laba rugi.
In the case of debt instruments classified as AFS, impairment is assessed based on the same criteria as financial assets carried at amortized cost. Interest continues to be accrued at the original effective interest rate on the reduced carrying amount of the asset and is recorded as part of interest income in the statement of comprehensive income. If, in subsequent year, the fair value of a debt instrument increased and the increase can be objectively related to an event occurring after the impairment loss was recognized in the statement of comprehensive income, the impairment loss is reversed through the profit and loss.
g. Giro Wajib Minimum (GWM) g. Minimum Liquidity Reserve
Pada tanggal 4 Oktober 2010, Bank Indonesia (BI) mengeluarkan peraturan No.12/19/PBI/2010 tentang Giro Wajib Minimum Bank Umum pada Bank Indonesia Dalam Rupiah dan Valuta Asing sebagaimana telah diubah dengan Peraturan Bank Indonesia (PBI) No. 13/10/PBI/2011 tanggal 9 Februari 2011 dan terakhir diubah dengan PBI No. 15/15/PBI/2013 yang berlaku efektif sejak tanggal 24 Desember 2013. Berdasarkan peraturan tersebut, GWM terdiri dari GWM Rupiah dan GWM mata uang asing. GWM Rupiah terdiri dari GWM Utama, GWM Sekunder dan GWM Loan to Deposit Ratio (LDR).
On October 4, 2010, Bank Indonesia (BI) issued a regulation No.12/19/PBI/2010 regarding Statutory Reserves at Bank Indonesia for Commercial Banks in Rupiah and Foreign Currencies, as amended by Bank Indonesia Regulation (PBI) No. 13/10/PBI/2011 dated February 9, 2011. The latest amendment is PBI No. 15/15/PBI/2013 which effective since December 24, 2013. Based on the Bank Indonesia Regulation, the statutory reserve consists of Rupiah and Foreign Currency Reserve. Statutory Reserve in Rupiah consist of Primary Reserve, Secondary Reserve, and Loan to Deposit Ratio (LDR) Reserve.
GWM Utama adalah simpanan minimum yang wajib dipelihara oleh bank dalam bentuk saldo rekening giro pada BI yang besarnya ditetapkan oleh BI sebesar persentase tertentu dari dana pihak ketiga.
Primary Statutory Reserve is a minimum deposit that should be maintained by the bank in current account with BI based on a certain percentage of Third Party Fund (TPF) as determined by BI.
GWM Sekunder adalah cadangan minimum yang wajib dipelihara oleh bank dalam bentuk Sertifikat Bank Indonesia (SBI), Surat Utang Negara (SUN) dan/atau Excess Reserve, yang besarnya ditetapkan BI sebesar persentase tertentu.
Secondary Statutory Reserve is a minimum deposit that should be maintained by the bank in the form of Bank Indonesia Certificates (SBI), Government Debenture Debt (SUN) and/or Excess Reserve, based on certain percentage of TPF in accordance with the regulation.
GWM LDR adalah simpanan minimum yang wajib dipelihara oleh bank dalam bentuk saldo rekening giro pada Bank Indonesia sebesar persentase dari DPK yang dihitung berdasarkan selisih LDR yang dimiliki oleh bank dan target LDR yang wajib dipenuhi oleh bank.
LDR Reserve is a minimum deposit required to be maintained by the banks in the form of current account with BI for the percentage of TPF which is calculated based on the difference of LDR held by banks and Target LDR which must be complied by banks.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 31 -
GWM yang wajib dibentuk adalah sebagai berikut:
Minimum liquidity reserve requirments are as follows:
2014 2013
% %
Rupiah RupiahGWM Primer Primary reserve
Konvensional 8,00 8,00 ConventionalSyariah 5,00 5,00 Sharia
GWM Sekunder Secondary reserveKonvensional 4,00 4,00 Conventional
GWM LDR 0,64 1,34 LDR ReserveMata uang asing Foreign currency
Konvensional 8,00 8,00 ConventionalSyariah 1,00 1,00 Sharia
h. Penempatan pada Bank Lain dan Bank
Indonesia h. Placements with Other Banks and Bank
Indonesia Penempatan pada bank lain merupakan penanaman dana dalam bentuk deposito berjangka syariah, call money, deposit on call, deposit facility, term deposit dan lain-lain.
Placements with other banks represent investments in time deposits of sharia, call money, deposits on call, deposit facility, term deposit and others.
Penempatan pada bank lain dan Bank Indonesia dinyatakan sebesar biaya perolehan diamortisasi menggunakan metode suku bunga efektif dikurangi cadangan kerugian penurunan nilai. Penempatan pada bank lain dikategorikan sebagai aset keuangan dalam kelompok pinjaman yang diberikan dan piutang, sedangkan penempatan pada Bank Indonesia dalam bentuk deposit facility dan term deposit dikategorikan sebagai aset keuangan dalam kelompok investasi dimiliki hingga jatuh tempo. Lihat Catatan 2e untuk kebijakan akuntansi aset keuangan dalam kelompok pinjaman diberikan dan piutang dan dimiliki hingga jatuh tempo.
Placements with other banks and Bank Indonesia are stated at amortized cost using the effective interest method less allowance for impairment losses. Placements with other banks are classified as financial assets in loans and receivables, whereas placements with Bank Indonesia intervention in the form of deposit facility and term deposit classified as financial assets in held to maturity. Refer to Note 2e for the accounting policy of financial assets held for loans and receivable and held to maturity.
i. Efek-efek i. Marketable Securities
Efek-efek yang dimiliki terdiri dari SBI, obligasi, surat utang jangka menengah, tagihan wesel ekspor, dan efek-efek pasar uang dan pasar modal lainnya.
Marketable securities consist of SBI, bonds, medium term notes, export bills receivable, and other money market and capital market securities.
Obligasi terdiri dari Obligasi Pemerintah dan Obligasi Korporasi yang dibeli dari pasar.
Bonds consist of Government Bonds and Corporate Bonds purchased from the market.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 32 -
Efek-efek diklasifikasikan sebagai aset keuangan dalam kelompok diperdagangkan, pinjaman yang diberikan dan piutang, tersedia untuk dijual dan dimiliki hingga jatuh tempo. Lihat Catatan 2e untuk kebijakan akuntansi atas aset keuangan dalam kelompok diperdagangkan, pinjaman yang diberikan dan piutang, tersedia untuk dijual dan dimiliki hingga jatuh tempo.
Marketable securities are classified as financial assets held for trading, loans and receivable, available for sale, and held to maturity. Refer to Note 2e for the accounting policy of financial assets held for trading, loans and receivable, available for sale and held to maturity.
Pada pengukuran awal, efek-efek disajikan sebesar nilai wajar ditambah dengan biaya transaksi yang dapat diatribusikan secara langsung. Untuk efek-efek yang diukur pada nilai wajar melalui laba rugi, biaya transaksi diakui secara langsung sebagai laba/rugi.
Marketable securities are initially measured at fair value plus directly attributable transaction costs. For marketable securities measured at fair value through profit and loss, the transaction costs is directly charged as profit/loss.
Investasi Sukuk Investment in Sukuk
1. Investasi sukuk diukur pada biaya
perolehan 1. Investment in sukuk measured at cost
Investasi pada sukuk pada awalnya diakui sebesar biaya perolehan, termasuk biaya transaksi. Selisih antara biaya perolehan dan nilai nominal diamortisasi secara garis lurus selama jangka waktu sukuk.
Investment in sukuk is initially measured at cost, including transaction costs. The difference between the acquisition cost and the nominal value is amortized straight-line basis over the term of the sukuk.
Jika terdapat indikasi penurunan nilai maka jumlah kerugian penurunan nilai tersebut diukur sebagai selisih antara jumlah terpulihkan sukuk dengan nilai tercatatnya.
If such indication of impairment exists then the amount of impairment loss is measured as the difference between the recoverable amount of sukuk to its carrying value.
2. Investasi sukuk diukur pada nilai wajar 2. Investment in sukuk measured at fair
value
Investasi pada sukuk pada awalnya diakui sebesar biaya perolehan, tidak termasuk biaya transaksi. Setelah pengakuan awal, selisih antara nilai wajar dan jumlah tercatat diakui dalam laporan laba rugi komprehensif.
Investment in sukuk is measured at cost, excluding transaction costs. After initial recognition, the difference between the fair value and the carrying amount is recognized in the statement of comprehensive income.
j. Kredit yang diberikan j. Loans
Kredit yang diberikan adalah penyediaan uang atau tagihan yang dapat disetarakan dengan kas, berdasarkan persetujuan atau kesepakatan pinjam-meminjam dengan debitur yang mewajibkan debitur untuk melunasi utang berikut bunganya setelah jangka waktu tertentu.
Loans represent provision of cash or cash equivalents based on agreements with borrowers, where borrowers required to repay their debts with interest after specified periods.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 33 -
Kredit yang diberikan diklasifikasikan sebagai aset keuangan dalam kelompok pinjaman yang diberikan dan piutang. Lihat Catatan 2e untuk kebijakan akuntansi aset keuangan dalam kelompok pinjaman yang diberikan dan piutang.
Loans are classified as financial assets in loans and receivables. Whereas placements with Bank Indonesia intervention in the form of BI investments classified as held to maturity. Refer to Note 2e for the accounting policy of financial assets in loans and receivables.
Kredit yang diberikan pada awalnya diukur pada nilai wajar ditambah dengan biaya transaksi yang dapat diatribusikan secara langsung dan biaya tambahan untuk memperoleh aset keuangan tersebut, dan setelah pengakuan awal diukur pada biaya perolehan diamortisasi menggunakan metode suku bunga efektif dikurangi dengan cadangan kerugian penurunan nilai.
Loans are initially measured at fair value plus transaction costs that are directly attributable and additional costs to acquire the asset, and after initial recognition are measured at amortized cost using the effective interest method less any allowance for impairment losses.
Termasuk dalam kredit yang diberikan adalah pembiayaan syariah yang terdiri dari piutang murabahah dan pembiayaan mudharabah. Murabahah adalah akad jual beli barang dengan harga jual sebesar biaya perolehan ditambah keuntungan (marjin) yang disepakati dan penjual harus mengungkapan biaya perolehan barang tersebut kepada pembeli. Mudharabah adalah akad kerjasama usaha antara bank sebagai pemilik dana (shahibul maal) dan nasabah selaku pengelola dana (mudharib), menjalankan usaha dengan penentuan awal keuntungan dan kerugian (nisbah).
Loans include sharia financing which consist of murabahah receivable and mudharabah financing. Murabahah is an agreement for the sale and purchase of goods with sales price equivalent to cost plus agreed margin, and the seller should inform the purchased cost to buyer. Mudharabah is an agreement between the bank as an owner of funds (shahibul maal) and customer as a fund manager (mudharib) to run a business with pre-defined terms of nisbah (gain or loss).
Pembiayaan syariah disajikan sebesar jumlah pembiayaan dikurangi dengan cadangan kerugian penurunan nilai dengan jumlah minimum berdasarkan PBI No. 7/2/PBI/2005 tanggal 20 Januari 2005 tentang “Penilaian Kualitas Aktiva Bank Umum” yang diubah dengan peraturan BI No. 8/2/PBI/2006 tanggal 30 Januari 2006 dan peraturan BI No. 9/2/PBI/2007 tanggal 30 Maret 2007 serta peraturan BI No. 11/2/PBI/2009 tanggal 29 Januari 2009 terakhir melalui peraturan BI No. 14/15/PBI/2012 tanggal 24 Oktober 2012.
Sharia financing is stated at their outstanding balance less their allowance for impairment losses which have been determined using BI criteria in accordance with BI regulation No. 7/2/PBI/2005 dated January 20, 2005 on “Asset Quality Ratings for Commercial Banks” which was amended by BI regulation No. 8/2/PBI/2006 dated January 30, 2006 and BI regulation No. 9/2/PBI/2007 dated March 30, 2007 and BI regulation No. 11/2/PBI/2009 dated January 29, 2009 and latest amanded by BI regulation No. 14/15/PBI/2012 dated October 24, 2012.
Restrukturisasi kredit meliputi modifikasi persyaratan kredit, konversi kredit menjadi saham atau instrumen keuangan lainnya dan/atau kombinasi dari keduanya.
Loan restructuring may involve a modification of the terms of the loans, conversion of loans into equity or other financial instruments and/or a combination of both.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 34 -
Dalam restrukturisasi kredit yang mengkonversi kredit menjadi saham, Perusahaan memperoleh penyertaan modal sementara. Dengan mengacu pada Peraturan Bank Indonesia (PBI) No. 15/11/PBI/2013 tentang Prinsip Kehati-hatian dalam Kegiatan Penyertaan Modal, pelepasan atau divestasi atas penyertaan modal sementara wajib dilakukan apabila penyertaan modal sementara telah melebihi jangka waktu paling lama 5 (lima) tahun atau perusahaan tempat penyertaan modal sementara telah memperoleh laba kumulatif.
In restructuring credit that converted credit become shares, The Company obtain participation of temporary investment. In accordance with Bank Indonesia Regulation (PBI) No. 15/11/PBI/2013 on the Precautionary Principle Capital Investment Activity, realse or divestment to participation of temporary investment mandatory if the participation of temporary investment has exceeded the maximum period of 5 (five) years or the Companies where investment of temporary investment have obtained a cumulative profit.
Kredit yang direstrukturisasi disajikan sebesar nilai yang lebih rendah antara nilai tercatat kredit pada tanggal restrukturisasi atau nilai tunai penerimaan kas masa depan setelah restrukturisasi. Kerugian akibat selisih antara nilai tercatat kredit pada tanggal restrukturisasi dengan nilai tunai penerimaan kas masa depan setelah restrukturisasi diakui sebagai laba/rugi. Setelah restrukturisasi, semua penerimaan kas masa depan yang ditetapkan dalam persyaratan baru dicatat sebagai pengembalian pokok kredit yang diberikan dan pendapatan bunga sesuai dengan syarat-syarat restrukturisasi.
Restructured loans are stated at the lower of carrying value of the loan at the time of restructuring or net present value of the total future cash receipts after restructuring. Losses arising from any excess of the carrying value of the loan at the time of restructuring over the net present value of the total future cash receipts after restructuring are recognised as profit/loss. Thereafter, all cash receipts under the new terms shall be accounted for as the recovery of principal and interest revenue, in accordance with the restructuring scheme.
k. Tagihan dan Liabilitas Akseptasi k. Acceptance Receivables and Payables
Tagihan akseptasi diklasifikasikan sebagai pinjaman yang diberikan dan piutang. Lihat Catatan 2e untuk kebijakan akuntansi atas pinjaman yang diberikan dan piutang.
Acceptance receivables are classified as loans and receivables. Refer to Note 2e for the accounting policy of loans and receivables.
Liabilitas akseptasi diklasifikasikan sebagai liabilitas keuangan yang diukur dengan biaya perolehan diamortisasi. Lihat Catatan 2e untuk kebijakan akuntansi atas liabilitas keuangan yang diukur dengan biaya perolehan diamortisasi.
Acceptance payables are classified as financial liabilities at amortised cost. Refer to Note 2e for the accounting policy for financial liabilities are measured at amortised cost.
l. Efek yang Dibeli dengan Janji Jual
Kembali l. Securities Purchased Under Agreemnets
to Resell
Efek yang dibeli dengan janji dijual kembali (reverse repo) disajikan sebagai tagihan sebesar harga jual kembali yang disepakati dikurangi dengan selisih antara harga beli dan harga jual kembali yang disepakati (pendapatan bunga yang ditangguhkan) dan cadangan kerugian penurunan nilai. Selisih antara harga beli dan harga jual kembali yang disepakati tersebut diamortisasi dengan menggunakan suku bunga efektif sebagai pendapatan bunga selama jangka waktu sejak efek itu dibeli hingga saat dijual kembali.
Securities purchased under resale agreements (reverse repo) are presented as receivables at the agreed resale price net of the difference between the purchase price and agreed resale price (unearned interest income) and allowance for impairment losses. The difference between the purchase price and the agreed resale price are amortised using effective interest rate as interest income over the period, commencing from the acquisition date to the resale date.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 35 -
Efek yang dibeli dengan janji jual kembali diklasifikasikan sebagai aset keuangan dalam kelompok pinjaman yang diberikan dan piutang. Lihat Catatan 2e untuk kebijakan akuntansi aset keuangan dalam kelompok pinjaman diberikan dan piutang.
Securities purchased under resale agreement are classified as financial assets in loans and receivable. Refer to Note 2e for accounting policy of financial assets in loans and receivable.
m. Kontrak Jaminan Keuangan m. Financial Guarantee Contracts
Kontrak jaminan keuangan adalah kontrak yang mengharuskan penerbit untuk melakukan pembayaran kepada pemegang kontrak atas kerugian yang terjadi karena debitur tertentu gagal untuk melakukan pembayaran pada saat jatuh tempo, sesuai dengan ketentuan dari instrumen utang. Jaminan keuangan tersebut diberikan kepada bank, lembaga keuangan dan badan-badan lainnya atas nama debitur untuk menjamin kredit dan fasilitas-fasilitas perbankan lainnya.
Financial guarantee contracts are contracts that require the issuer to make specified payments to reimburse the holder for a loss incurred because a specified debtor defaulted to make payments when due, in accordance with the terms of a debt instrument. Such financial guarantees are given to bank, financial institutions and other institutions on behalf of customers to secure loans and other banking facilities.
Pengakuan awal jaminan keuangan dalam laporan keuangan adalah sebesar nilai wajar pada saat jaminan diberikan. Nilai wajar jaminan keuangan pada saat berlakunya transaksi pada umumnya sama dengan premi yang diterima karena diberikan dengan syarat dan kondisi normal dan nilai wajar awal diamortisasi sepanjang umur jaminan keuangan.
Financial guarantees are initially recognized in the financial statements at fair value on the date the guarantee was given. The fair value of a financial guarantee at inception is likely to equal the premium received because all guarantees are agreed on arm’s length terms and the initial fair value is amortised over the life of the financial guarantees.
Setelah pengakuan awal kontrak, jaminan keuangan dicatat pada nilai yang lebih tinggi antara biaya perolehan diamortisasi dengan nilai kini pembayaran yang diharapkan akan terjadi (ketika pembayaran atas jaminan menjadi besar kemungkinan terjadinya), dan selisihnya dibebankan sebagai beban operasional lainnya pada laporan laba rugi komprehensif.
Subsequently, they are measured at the higher of amortised amount and the present value of any expected payment (when a payment under the guarantee has become probable) and the difference is charged to other operating expense in the statement of comprehensive income.
n. Aset Tetap n. Premises and Equipment
Perusahaan menerapkan PSAK No. 16 tentang Aset Tetap. Perusahaan memilih untuk menggunakan model biaya untuk pengukuran aset tetap.
The Company adopted PSAK No. 16 on Premises and Equipment. The Company chooses the cost model for the measurement of these assets.
Aset tetap, kecuali tanah, dinyatakan berdasarkan biaya perolehan, dikurangi akumulasi penyusutan dan akumulasi rugi penurunan nilai, jika ada. Tanah tidak disusutkan dan dinyatakan berdasarkan biaya perolehan dikurangi akumulasi rugi penurunan nilai, jika ada.
Premises and equipment, except for land, are carried at cost, less accumulated depreciation and any impairment in value. Land is not depreciated and is stated at cost less any impairment in value.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 36 -
Biaya perolehan awal aset tetap meliputi harga perolehan, termasuk bea impor dan pajak pembelian yang tidak boleh dikreditkan dan biaya-biaya yang dapat diatribusikan secara langsung untuk membawa aset ke lokasi dan kondisi yang diinginkan sesuai dengan tujuan penggunaan yang ditetapkan.
The initial cost of premises and equipment consists of its purchase price, including non-refundable import duties and taxes and any directly attributable costs in bringing the premises and equipment to its working condition and location for its intended use.
Biaya pengurusan legal hak atas tanah ketika tanah diperoleh pertama kali diakui sebagai bagian dari biaya perolehan tanah, dan biaya ini tidak disusutkan. Biaya pengurusan perpanjangan atau pembaruan legal hak atas tanah diakui sebagai aset takberwujud dan diamortisasi sepanjang umur hukum hak atas tanah.
Initial legal costs incurred to obtain legal rights are recognized as part of the acquisition cost of the land, and these costs are not depreciated. Costs related to renewal of land rights are recognized as intangible assets and amortized during the period of the land rights.
Beban-beban yang timbul setelah aset tetap digunakan, seperti beban perbaikan dan pemeliharaan, dibebankan ke laporan laba rugi komprehensif pada saat terjadinya. Apabila beban-beban tersebut menimbulkan peningkatan manfaat ekonomis di masa datang dari penggunaan aset tetap tersebut yang dapat melebihi kinerja normalnya, maka beban-beban tersebut dikapitalisasi sebagai tambahan biaya perolehan aset tetap. Penyusutan dihitung berdasarkan metode garis lurus (straight-line method) selama masa manfaat aset tetap sebagai berikut:
Expenditures incurred after the premises and equipment have been put into operations, such as repairs and maintenance costs, are normally charged to operations in the year such costs are incurred. In situations where it can be clearly demonstrated that the expenditures have resulted in an increase in the future economic benefits expected to be obtained from the use of the premises and equipment beyond its originally assessed standard of performance, the expenditures are capitalized as additional costs of premises and equipment. Depreciation is computed on a straight-line basis over the premises and equipment’s useful lives, as follows:
Tahun/Years
Bangunan 20 Buildings Inventaris kantor 10 Office equipment Kendaraan bermotor 4 Vehicles
Nilai tercatat aset tetap ditelaah kembali dan dilakukan penurunan nilai apabila terdapat peristiwa atau perubahan kondisi tertentu yang mengindikasikan nilai tercatat tersebut tidak dapat dipulihkan sepenuhnya.
The carrying values of premises and equipment are reviewed for impairment when events or changes in circumstances indicate that the carrying values may not be recoverable.
Dalam setiap inspeksi yang signifikan, biaya inspeksi diakui dalam jumlah tercatat aset tetap sebagai suatu penggantian apabila memenuhi kriteria pengakuan. Biaya inspeksi signifikan yang dikapitalisasi tersebut diamortisasi selama periode sampai dengan saat inspeksi signifikan berikutnya.
When each major inspection is performed, its cost is recognized in the carrying amount of the item of premises and equipment as a replacement if the recognition criteria are satisfied. Such major inspection is capitalized and amortized over the next major inspection activity.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 37 -
Jumlah tercatat aset tetap dihentikan pengakuannya (derecognized) pada saat dilepaskan atau tidak ada manfaat ekonomis masa depan yang diharapkan dari penggunaan atau pelepasannya. Laba atau rugi yang timbul dari penghentian pengakuan aset tetap ditentukan sebesar perbedaan antara jumlah neto hasil pelepasan, jika ada, dengan jumlah tercatat dari aset tetap tersebut, dan diakui dalam laporan laba rugi komprehensif pada tahun terjadinya penghentian pengakuan.
An item of premises and equipment is derecognized upon disposal or when no future economic benefits are expected from its use or disposal. Any gains or loss arising from derecognition of premises and equipment (calculated as the difference between the net disposal proceeds, if any, and the carrying amount of the item) is included in the statement of comprehensive income in the year the item is derecognized.
Nilai residu, umur manfaat, serta metode penyusutan ditelaah setiap akhir tahun dan dilakukan penyesuaian apabila hasil telaah berbeda dengan estimasi sebelumnya.
The asset’s residual values, useful lives and depreciation method are reviewed and adjusted, if appropriate, at each financial year end.
o. Aset Ijarah o. Ijarah Assets
Aset ijarah diakui sebesar biaya perolehan (mengacu pada PSAK No. 16: Aset Tetap dan PSAK No. 19: Aset tidak berwujud).
Ijarah Assets are recognized at cost (refer to PSAK No. 16: Fixed Assets and PSAK No. 19: Intangible Assets).
Aset ijarah, yakni kendaraan bermotor, mesin, alat berat dan piranti lunak, disusutkan atau diamortisasi sesuai dengan jangka waktu sewa atau umur ekonomis aset, mana yang lebih pendek, dimana pada akhir masa akad, aset tersebut akan dihibahkan ke nasabah.
Ijarah assets, such as motorcycle, machinery, heavy equipment and software, are depreciated or amortized over the lease term or the economic lives of assets, whichever is shorter, where at the end of the year, these assets are assigned to customer.
Untuk akad ijarah muntahiyah bitamlik (sewa pembiayaan), apabila pada saat perpindahan kepemilikan aset ijarah dari pemilik kepada penyewa dilakukan dengan cara hibah, maka jumlah tercatat aset ijarah diakui sebagai beban.
For the Ijarah muntahiyah bitamlik contracts (lease financing), if at the time of transfer of ownership of the Asset from the owner to the ijarah tenant by grant, then the carrying amount is recognized as an ijarah asset expense.
Pendapatan sewa selama masa akad diakui pada saat manfaat atas aset telah diserahkan kepada penyewa.
Lease income during lease term is recognized when the benefits of assets have been handed over to the lessee.
Pendapatan ijarah disajikan secara neto setelah dikurangi beban yang terkait yakni penyusutan dan pemeliharaan serta perbaikan. Pendapatan ijarah neto disajikan sebagai bagian dari “pendapatan bunga dan bagi hasil” dalam laporan laba rugi komprehensif.
Ijarah income is presented net of related expenses such as, depreciation, maintenance and repairs expenses. Ijarah net income is presented as part of "interest revenues and profit sharing" in the statements of comprehensive income.
p. Agunan yang Diambil Alih p. Foreclosed Properties
Agunan kredit yang diberikan, berupa tanah dan aset lainnya, yang telah diambil alih oleh Perusahaan disajikan dalam perkiraan “Aset lain-lain”.
Collaterals on loans in the form of land and other assets foreclosed by the Company, are presented under “Other Assets” account.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 38 -
Agunan yang diambil alih dicatat pada nilai yang lebih rendah antara nilai tercatat dan nilai wajar setelah dikurangi biaya untuk menjual. Selisih antara nilai agunan yang diambil alih dengan sisa pokok pinjaman yang diberikan, jika ada, dibebankan ke laporan laba rugi komprehensif tahun berjalan.
Foreclosed properties are stated at the lower of carrying amount and fair value less costs to sell. The difference between between the value of the foreclosed properties and the outstanding loan principal, if any, is charged to the current year statement of comprehensive income.
Selisih antara nilai agunan yang telah diambil alih dan hasil penjualannya diakui sebagai keuntungan atau kerugian pada saat penjualan agunan.
The difference between the carrying value of the foreclosed property and the proceeds from its sale is recognized as a gain or loss in the period the property was sold.
Biaya-biaya yang berkaitan dengan pemeliharaan dan perbaikan agunan yang diambil alih dibebankan ke laporan laba rugi komprehensif pada saat terjadinya.
The costs of maintenance and renovation of foreclosed properties are charged to statement of comprehensive income when incurred.
Bila terjadi penurunan nilai yang bersifat permanen, maka nilai tercatatnya dikurangi untuk mengakui penurunan tersebut dan kerugiannya dibebankan pada laporan laba rugi komprehensif tahun berjalan.
The carrying amount of the property is written-down to recognize a permanent dimunition in value of the foreclosed property, which is charged to the current year statement of comprehensive income.
Manajemen melakukan evaluasi secara berkala atas nilai agunan yang diambil alih. Bila terjadi penurunan nilai yang bersifat permanen, maka nilai tercatatnya dikurangi untuk mengakui penurunan tersebut dan kerugiannya dibebankan pada laporan laba rugi komprehensif tahun berjalan.
Management evaluates periodically the value of foreclosed assets. If there are permanent impairment, the carrying amount is reduced to recognize the decline and losses charged to the statement of comprehensive income for the year.
q. Transaksi Sewa q. Lease Transactions
Penentuan apakah suatu kontrak merupakan, atau mengandung unsur sewa adalah berdasarkan substansi kontrak pada tanggal awal sewa, yakni apakah pemenuhan syarat kontrak tergantung pada penggunaan aset tertentu dan kontrak tersebut berisi hak untuk menggunakan aset tersebut.
The determination of whether an arrangement is, or contains a lease is based on the substance of the arrangement at inception date of whether the fulfillment of the arrangement is dependent on the use of a specific asset or assets and the arrangement conveys a right to use the asset.
Evaluasi ulang atas perjanjian sewa dilakukan setelah tanggal awal sewa hanya jika salah satu kondisi berikut terpenuhi:
A reassessment is made after inception of the lease only if one of the following applies:
1. Terdapat perubahan dalam
persyaratan perjanjian kontraktual, kecuali jika perubahan tersebut hanya memperbaharui atau memperpanjang perjanjian yang ada;
1. There is a change in contractual terms, other than a renewal or extension of the agreement;
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 39 -
2. Opsi pembaruan dilakukan atau
perpanjangan disetujui oleh pihak-pihak yang terkait dalam perjanjian, kecuali ketentuan pembaruan atau perpanjangan pada awalnya telah termasuk dalam masa sewa;
2. A renewal option is exercised or extension granted, unless the term of the renewal or extension was initially included in the lease term;
3. Terdapat perubahan dalam penentuan
apakah pemenuhan perjanjian tergantung pada suatu aset tertentu; atau
3. There is a change in the determination of whether the fulfillment is dependent on a specified asset; or
4. Terdapat perubahan subtansial atas
aset yang disewa. 4. There are a substantial change to the
asset.
Apabila evaluasi ulang telah dilakukan, maka akuntansi sewa harus diterapkan atau dihentikan penerapannya pada tanggal dimana terjadi perubahan kondisi pada skenario 1, 3 atau 4 dan pada tanggal pembaharuan atau perpanjangan sewa pada skenario 2.
Where a reassessment is made, lease accounting shall commence or cease from the date when the change in circumstances gave rise to the reassessment for scenarios 1, 3 or 4 and the date of renewal or extension period for scenario 2.
Sewa Operasi – sebagai Lessor Operating Lease – As a Lessor Sewa dimana Perusahaan tetap mempertahankan secara substansial seluruh risiko dan manfaat yang terkait dengan kepemilikan suatu aset diklasifikasikan sebagai sewa operasi. Biaya langsung awal yang dapat diatribusikan secara langsung dengan negosiasi dan pengaturan sewa operasi ditambahkan ke nilai tercatat aset sewaan dan diakui ke laporan laba rugi komprehensif tahun berjalan selama masa sewa sesuai dengan dasar pengakuan pendapatan sewa.
Leases where the Company retains substantially all the risks and benefits of ownership of the asset are classified as operating leases. Initial direct costs incurred in negotiating an operating lease are added to the carrying amount of the leased asset and recognized over the lease term on the same bases as rental income.
Sewa Operasi – sebagai Lessee Operating Lease – As a Lessee
Pembayaran sewa dalam sewa operasi diakui sebagai beban dalam laporan laba rugi komprehensif dengan dasar garis lurus (straight-line) selama masa sewa.
Operating lease payments are recognized as an expense in the statement of comprehensive income on a straight-line basis over the lease term.
r. Biaya Dibayar Dimuka r. Prepaid Expenses
Biaya dibayar dimuka diamortisasi selama masa manfaat masing-masing biaya dengan menggunakan metode garis lurus.
Prepaid expenses are amortized over their beneficial periods using the straight-line method.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 40 -
s. Penurunan Nilai Aset Non-Keuangan s. Impairment of Non-Financial Assets
Pada setiap akhir periode pelaporan tahunan, Perusahaan menelaah apakah terdapat indikasi suatu aset mengalami penurunan nilai. Jika terdapat indikasi tersebut atau pada saat uji tahunan penurunan nilai aset perlu dilakukan, maka Perusahaan membuat estimasi jumlah terpulihkan aset tersebut.
The Company assesses at each annual reporting period whether there is an indication that an asset may be impaired. If any such indication exists, or when annual impairment testing for an asset is required, the Company makes an estimate of the asset’s recoverable amount.
Jumlah terpulihkan yang ditentukan untuk aset individual adalah jumlah yang lebih tinggi antara nilai wajar aset atau Unit Penghasil Kas (UPK) dikurangi biaya untuk menjual dengan nilai pakainya, kecuali aset tersebut tidak menghasilkan arus kas masuk yang secara signifikan independen dari aset atau kelompok aset lain. Jika nilai tercatat aset lebih besar daripada nilai terpulihkannya, maka aset tersebut dinyatakan mengalami penurunan nilai dan nilai tercatat aset diturunkan nilai menjadi sebesar nilai terpulihkannya. Rugi penurunan nilai dari operasi yang berkelanjutan diakui pada laporan laba rugi komprehensif sebagai “Rugi penurunan nilai”. Dalam menghitung nilai pakai, estimasi arus kas masa depan bersih didiskontokan ke nilai kini dengan menggunakan tingkat diskonto sebelum pajak yang mencerminkan penilaian pasar kini dari nilai waktu uang dan risiko spesifik atas aset. Dalam menghitung nilai wajar dikurangi biaya untuk menjual, transaksi pasar kini juga diperhitungkan, jika tersedia.
An asset’s recoverable amount is the higher of an asset’s or Cash Generating Units (CGU) fair value less costs to sell and its value in use, and is determined for an individual asset, unless the asset does not generate cash inflows that are largely independent of those from other assets or groups of assets. Where the carrying amount of an asset exceeds its recoverable amount, the asset is considered impaired and is written down to its recoverable amount. Impairment losses are recognized in the statements of comprehensive income as “impairment losses”. In assessing the value in use, the estimated net future cash flows are discounted to their present value using a pre-tax discount rate that reflects current market assessments of the time value of money and the risks specific to the asset. In determining fair value less costs to sell, recent market transactions are taken into account, if available.
Jika transaksi pasar kini tidak tersedia, Perusahaan menggunakan model penilaian yang sesuai untuk menentukan nilai wajar aset. Perhitungan-perhitungan ini harus didukung oleh metode penilaian tertentu (valuation multiples) atau indikator nilai wajar lain yang tersedia.
If no such transactions can be identified, an appropriate valuation model is used to determine the fair value of the assets. These calculations are corroborated by valuation multiples or other available fair value indicators.
Kerugian penurunan nilai, jika ada, diakui pada laporan laba rugi komprehensif sesuai dengan kategori biaya yang konsisten dengan fungsi dari aset yang diturunkan nilainya.
Impairment losses, if any, are recognized in the statements of comprehensive income under expense categories that are consistent with the functions of the impaired assets.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 41 -
Penelaahan dilakukan pada akhir setiap periode pelaporan tahunan untuk mengetahui apakah terdapat indikasi bahwa rugi penurunan nilai aset yang telah diakui dalam periode sebelumnya mungkin tidak ada lagi atau mungkin telah menurun. Jika indikasi dimaksud ditemukan, maka Perusahaan mengestimasi jumlah terpulihkan aset tersebut. Kerugian penurunan nilai yang diakui dalam periode sebelumnya dipulihkan hanya jika terdapat perubahan asumsi-asumsi yang digunakan untuk menentukan jumlah terpulihkan aset tersebut sejak rugi penurunan nilai terakhir diakui. Dalam hal ini, jumlah tercatat aset dinaikkan ke jumlah terpulihkannya. Pemulihan tersebut dibatasi sehingga nilai tercatat aset tidak melebihi jumlah terpulihkannya maupun nilai tercatat, neto setelah penyusutan, seandainya tidak ada rugi penurunan nilai yang telah diakui untuk aset tersebut pada tahun-tahun sebelumnya. Pemulihan rugi penurunan nilai diakui dalam laporan laba rugi komprehensif. Setelah pemulihan tersebut, penyusutan aset tersebut disesuaikan di periode mendatang untuk mengalokasikan nilai tercatat aset yang direvisi, dikurangi nilai sisanya, dengan dasar yang sistematis selama sisa umur manfaatnya.
An assessment is made at each annual reporting period as to whether there is any indication that previously recognized impairment losses recognized for an asset may not longer exist or may have decreased. If such indication exists, the recoverable amount is estimated. A previously recognized impairment loss for an asset is reversed only if there has been a change in the assumptions used to determine the asset’s recoverable amount since the last impairment loss was recognized. If that is the case, the carrying amount of the asset is increased to its recoverable amount. The reversal is limited so that the carrying amount of the assets does not exceed its recoverable amount nor exceed the carrying amount that would have been determined, net of depreciation, had no impairment loss been recognized for the asset in prior years. Reversal of an impairment loss is recognized in the statements of comprehensive income. After such a reversal, the depreciation charge on the said asset is adjusted in future periods to allocate the asset’s revised carrying amount, less any residual value, on a systematic basis over its remaining useful life.
t. Liabilitas Segera t. Liability Immediately Payable
Liabilitas segera adalah liabilitas Perusahaan kepada pihak lain yang sifatnya wajib segera dibayarkan sesuai perjanjian yang ditetapkan sebelumnya.
Obligation due immediately represents the Company’s liabilities to other parties that immediately payable in accordance with terms of the relevant agreements.
Liabilitas segera disajikan sebesar biaya perolehan yang diamortisasi. Lihat Catatan 2e untuk kebijakan akuntansi atas liabilitas keuangan yang diukur pada biaya perolehan diamortisasi.
Obligations due immediately are stated at the amortised cost. Refer to Note 2e for the accounting policy for financial liabilities measured at amortised cost.
u. Simpanan dan Simpanan dari Bank Lain u. Deposits and Deposits from Other Banks
Simpanan dan simpanan dari bank lain diklasifikasikan sebagai liabilitas keuangan yang diukur pada biaya perolehan diamortisasi menggunakan metode suku bunga efektif. Biaya tambahan yang dapat diatribusikan secara langsung dengan perolehan simpanan dan simpanan dari bank lain dikurangkan dari jumlah simpanan yang diterima. Lihat Catatan 2e untuk kebijakan akuntansi atas liabilitas keuangan yang diukur pada biaya perolehan diamortisasi.
Deposits and deposits from other banks are classified as financial liabilities measured at amortized cost using the effective interest method. Incremental costs directly attributable to the acquisition of deposits and deposits from other banks deducted from the amount of deposits. Refer to Note 2e for the accounting policy for financial liabilities measured at amortised cost.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 42 -
Simpanan merupakan liabilitas kepada nasabah dalam bentuk giro, tabungan dan deposito berjangka.
Deposits are liabilities to customers in the form of demand deposits, savings deposits and time deposits.
Giro merupakan simpanan nasabah yang dapat digunakan sebagai alat pembayaran, yang penarikannya dapat dilakukan setiap saat melalui cek atau dengan cara pemindahbukuan dengan bilyet giro atau sarana perintah pembayaran lainnya.
Demand deposits represent deposits of customers which may be used as instruments of payment, and which may be withdrawn at any time by checks, or other orders of payment or transfers.
Tabungan merupakan simpanan nasabah yang penarikannya hanya dapat dilakukan sesuai dengan syarat tertentu yang disepakati pada saat pembukaan rekening tabungan. Penarikan atas tabungan tidak dapat dilakukan dengan menggunakan cek atau instrumen sejenis, tetapi menggunakan formulir penarikan tersendiri yang hanya berlaku di bank yang bersangkutan dan/atau menggunakan kartu Anjungan Tunai Mandiri (ATM).
Savings deposits represent deposits of customers which may only be withdrawn when certain agreed conditions at the account opening are met. They may not be withdrawn by checks or other equivalent instruments, except by using specific withdrawal slip which can only be validated at the depository bank and/or by using Automatic Teller Machine (ATM) card.
Deposito berjangka merupakan simpanan nasabah yang penarikannya hanya dapat dilakukan pada saat jatuh tempo sesuai dengan jangka waktu yang disepakati dengan nasabah pada saat penempatannya, dimana nasabah akan dikenakan penalti apabila melakukan penarikan sebelum tanggal jatuh temponya.
Time deposits represent deposits of customers which may only be withdrawn after a certain period of time in accordance with the agreement with the customers at the time of placement, or the customers will be fined or penalized if withdrawals are made before maturity.
Simpanan termasuk simpanan syariah dan investasi tidak terikat yang terdiri dari:
Deposits include syariah deposits and unrestricted investments consisting of:
Tabungan Wadiah merupakan titipan
dana dalam bentuk tabungan dimana pemilik dana mendapatkan pendapatan bonus.
Wadiah Saving is entrusted funds in the form of savings where income fund owners get a bonus.
Investasi tidak terikat dalam bentuk giro,
tabungan dan deposito berjangka mudharabah merupakan simpanan dana pelanggan yang memberikan pemilik dana imbalan bagi hasil dari pendapatan unit syariah atas penggunaan dana tersebut sesuai dengan nisbah yang ditetapkan dan disetujui sebelumnya.
Unrestricted investments in current accounts, savings and time deposits represent deposits of customers' funds that provide benefits for the owner of funds from Islamic unit revenue for the use of these funds in accordance with the ratio determined and approved previously.
Simpanan dari bank lain merupakan liabilitas kepada bank lain dalam bentuk giro, call money kurang dari atau 90 hari, dan deposito berjangka dengan periode jatuh tempo menurut perjanjian masing-masing.
Deposits from other banks are liabilities to other banks in the form of demand deposits, call money less than or 90 days and time deposits with original maturities of each agreement.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 43 -
v. Surat Berharga yang Diterbitkan v. Securities Issued
Surat berharga yang diterbitkan adalah surat berharga dalam bentuk cek perjalanan (travellers’ cheques).
Securities issued are securities issued in the form of traveler's checks (travelers' cheques).
Surat berharga yang diterbitkan disajikan sebesar biaya perolehan yang diamortisasi. Lihat Catatan 2e untuk kebijakan akuntansi atas liabilitas keuangan yang diukur pada biaya perolehan diamortisasi.
Securities issued are stated at amortised cost. Refer to Note 2e for the accounting policy for financial liabilities measured at amortised cost.
w. Biaya Emisi Saham w. Share Issuance Costs
Biaya emisi saham dikurangkan dari bagian tambahan modal disetor yang timbul dari penerbitan saham dan tidak diamortisasi.
Share issuance costs are deducted from the additional paid-in capital resulting from the issuance of shares and are not amortized.
x. Pengakuan Pendapatan Bunga, Beban
Bunga, Pendapatan Syariah dan Bagi Hasil Syariah
x. Recognition of Interest Revenues, Interest Expenses, Sharia Revenues and Revenue Sharing Distribution
Pendapatan dan Beban Bunga Interest Revenues and Expenses Pendapatan dan beban bunga untuk semua instrumen keuangan diakui di dalam laporan laba rugi komprehensif secara akrual dengan menggunakan metode suku bunga efektif.
Interest income and expense for all financial instruments are recognized in the statement of comprehensive income on accrual basis using the effective interest rate method.
Biaya transaksi yang terjadi dan dapat diatribusikan secara langsung terhadap perolehan atau penerbitan instrumen keuangan yang tidak diukur pada nilai wajar melalui laporan laba rugi diamortisasi sepanjang umur instrumen keuangan menggunakan metode suku bunga efektif dan dicatat sebagai bagian dari pendapatan bunga untuk biaya transaksi terkait aset keuangan, dan sebagai bagian dari beban bunga untuk biaya transaksi terkait liabilitas keuangan.
Transaction costs that occur and are directly attributable to the acquisition or issuance of financial instruments not measured at fair value through profit and loss are amortized over the life of financial instruments using the effective interest rate method and recorded as part of interest income for financial assets directly attributable for transaction costs, and as part of interest expense for transaction costs related to financial liabilities.
Jika penurunan nilai diakui untuk aset keuangan atau kelompok aset keuangan serupa dalam kategori dimiliki hingga jatuh tempo, pinjaman yang diberikan dan piutang atau tersedia untuk dijual, maka pendapatan bunga yang diperoleh setelah pengakuan penurunan nilai tersebut diakui berdasarkan suku bunga yang digunakan untuk mendiskontokan arus kas masa depan pada saat perhitungan kerugian penurunan nilai.
If impairment loss is recognized on a financial asset or group of similar financial assets in the category classified as held to maturity, loans and receivables, and available for sale, the interest income earned after the impairment loss was recognized is based on the interest rate used for discounting the future cash flows in calculating the impairment losses.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 44 -
Pendapatan dan Beban/Bagi Hasil Syariah Revenue and Expense / Profit Sharing
Sharia Pendapatan syariah terdiri dari keuntungan murabahah, pendapatan ijarah muntahiyah bittamlik (sewa), dan bagi hasil pembiayaan mudharabah.
Revenue consists of income from murabaha sharia, income from muntahiyah bittamlik ijarah (lease), and from the results of financing.
Keuntungan murabahah dan pendapatan ijarah muntahiyah bittamlik diakui selama periode akad berdasarkan konsep akrual. Pendapatan bagi hasil pembiayaan mudharabah diakui pada saat diterima atau dalam periode terjadinya hak bagi hasil sesuai porsi bagi hasil (nisbah) yang disepakati.
Murabahah and revenue from ijarah muntahiyah bittamlik are recognized over the contract period on an accrual basis. Revenues for the results of financing are recognized when received or within the period of entitlement based on profit sharing agreement.
Beban berdasarkan prinsip syariah terdiri dari beban bagi hasil mudharabah, beban bonus wadiah dan beban bagi hasil Sertifikat Investasi Mudharabah Antar Bank Syariah.
Expense based on sharia consists of profit sharing expense of mudharabah, wadiah bonus expense and profit sharing expense of Sertifikat Investasi Mudharabah Antar Bank Syariah.
y. Pengakuan Pendapatan dan Beban
Provisi dan Komisi y. Recognition of Revenues and Expenses
on Commissions and Fees Provisi dan Komisi Terkait Instrumen Keuangan
Fees and Commissions Related to Financial Instruments
Pendapatan dan beban provisi dan komisi yang terkait dengan perolehan instrumen keuangan dalam kategori dimiliki hingga jatuh tempo, pinjaman diberikan dan piutang, serta tersedia untuk dijual, atau terkait jangka waktu tertentu yang jumlahnya signifikan, dicatat sebagai bagian dari nilai wajar aset atau liabilitas keuangan dan diamortisasi sesuai dengan jangka waktunya dengan menggunakan suku bunga efektif.
Commission income and expense and fees associated with the acquisition of financial instruments categorized as held to maturity, loans and receivables, and available for sale, or related to a period of time that the amount is significant, are recorded as part of the fair value of financial assets or financial liabilities and amortized over the time period using the effective interest rate.
Provisi dan Komisi Lainnya Fees and Commission Provisi dan komisi lainnya yang tidak terkait dengan kegiatan perolehan instrumen keuangan dan jangka waktu tertentu yang jumlahnya signifikan, dan diamortisasi menggunakan metode garis lurus sesuai dengan jangka waktu transaksi yang bersangkutan. Sedangkan, pendapatan dan beban provisi dan komisi lainnya yang tidak signifikan langsung diakui sebagai pendapatan atau beban pada saat terjadinya transaksi.
Fees and commissions that are not related to the acquisition or issuance of financial instrument and have maturity terms in which amounts are significant, are deferred and amortized using the straight-line method over the term of the relevant transaction. Meanwhile, provision fees income and expenses and commissions that are not significant are recognized immediately as income or expenses on the transaction date.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 45 -
Pendapatan provisi dan komisi lainnya, meliputi pendapatan yang tidak terkait dengan kredit, seperti jasa banca assurance, pendapatan terkait dengan ekspor impor dan bank garansi, dan pendapatan yang diakui pada saat jasa diberikan.
Revenues from commission and other fees not related to credit, such as banca assurance services, and revenues associated with import and export bank guarantee, are recognized as revenue when the services are rendered.
z. Pendapatan dan Beban Operasional
Lainnya z. Other Operating Revenue and Expenses
Pendapatan operasional lainnya diakui pada saat terjadinya.
Other operating revenues are recognized when earned.
Beban operasional lainnya diakui pada saat terjadinya dengan menggunakan metode akrual.
Other operating expenses are recognized when incurred using the accrual method.
aa. Pajak Penghasilan aa. Income Tax
Beban pajak kini ditentukan berdasarkan laba kena pajak dalam tahun yang bersangkutan yang dihitung berdasarkan tarif pajak yang berlaku.
Current tax expense is determined based on the taxable income for the year computed using prevailing tax rates.
Aset dan liabilitas pajak tangguhan diakui atas konsekuensi pajak periode mendatang yang timbul dari perbedaan jumlah tercatat aset dan liabilitas menurut laporan keuangan dengan dasar pengenaan pajak aset dan liabilitas. Liabilitas pajak tangguhan diakui untuk semua perbedaan temporer kena pajak dan aset pajak tangguhan diakui untuk perbedaan temporer yang boleh dikurangkan serta rugi fiskal yang belum dikompensasikan, sepanjang besar kemungkinan dapat dimanfaatkan untuk mengurangi laba kena pajak pada masa datang.
Deferred tax assets and liabilities are recognized for the future tax consequences attributable to the differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax liabilities are recognized for all taxable temporary differences and deferred tax assets are recognized for deductible temporary differences and carryforward tax benefit of unused fiscal losses to the extent that it is probable that taxable income will be available in future periods against which the deductible temporary differences and carryforward tax benefit of unused fiscal losses can be utilized.
Pajak tangguhan diukur dengan menggunakan tarif pajak yang berlaku atau secara substansial telah berlaku pada tanggal laporan posisi keuangan. Pajak tangguhan dibebankan atau dikreditkan dalam laporan laba rugi komprehensif, kecuali pajak tangguhan yang dibebankan atau dikreditkan langsung ke ekuitas.
Deferred tax is calculated at the tax rates that have been enacted or substantively enacted at statement of financial position date. Deferred tax is charged to or credited in the statements of income, except when it relates to items charged to or credited directly in equity, in which case the deferred tax is also charged to or credited directly in equity.
Aset dan liabilitas pajak tangguhan disajikan di laporan posisi keuangan, kecuali aset dan liabilitas pajak tangguhan untuk entitas yang berbeda, atas dasar kompensasi sesuai dengan penyajian aset dan liabilitas pajak kini.
Deferred tax assets and liabilities are offset in the statement of financial position, except if these are for different legal entities, in the same manner the current tax assets and liabilities are presented.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 46 -
Perubahan terhadap liabilitas pajak dicatat ketika surat tagihan pajak diterima atau, jika Perusahaan mengajukan keberatan, pada saat hasil banding telah ditetapkan.
Amendments to tax obligations are recorded when an assessment is received or, if appealed against by the Company, when the result of the appeal is determined.
bb. Laba per Saham bb. Earnings per Share
Laba per saham dasar dihitung berdasarkan laba bersih dibagi jumlah rata-rata tertimbang saham yang beredar pada tahun yang bersangkutan.
Basic earning per share is computed by dividing net income with the weighted average number of outstanding common shares in the current year.
Laba per saham dilusian dihitung dengan membagi laba bersih dengan jumlah rata-rata tertimbang saham biasa yang beredar pada tahun yang bersangkutan yang telah disesuaikan dengan dampak dari semua efek berpotensi saham biasa dilutif.
Diluted earnings per share is computed by dividing net income by the weigthed average number of shares outstanding during the year as adjusted for the effects of all dilutive potential common shares.
cc. Imbalan Kerja cc. Employee Benefits
Liabilitas imbalan kerja jangka pendek Short-term employee benefits liability Imbalan kerja jangka pendek merupakan upah, gaji, dan tunjangan lainnya. Imbalan kerja jangka pendek diakui sebesar jumlah yang tak-terdiskonto sebagai liabilitas pada laporan posisi keuangan setelah dikurangi dengan jumlah yang telah dibayar dan sebagai beban pada laporan laba rugi komprehensif tahun berjalan.
Short-term employee benefits are in the form of wages, salaries, and social security (Jamsostek) contribution. Short-term employee benefits are recognized at its undiscounted amount as a liability after deducting any amount already paid in the statements of financial position and as an expense in the statements of comprehensive income.
Liabilitas imbalan kerja jangka panjang Long-term employee benefits liability Liabilitas imbalan kerja jangka panjang merupakan imbalan pasca-kerja manfaat pasti yang dibentuk tanpa pendanaan khusus dan didasarkan pada masa kerja dan jumlah penghasilan karyawan saat pensiun. Metode penilaian aktuarial yang digunakan untuk menentukan nilai kini liabilitas imbalan pasti, beban jasa kini yang terkait, dan beban jasa lalu adalah metode Projected Unit Credit. Beban jasa kini, beban bunga, beban jasa lalu yang telah menjadi hak karyawan, dan dampak kurtailmen atau penyelesaian (jika ada) diakui pada laporan laba rugi komprehensif tahun berjalan. Beban jasa lalu yang belum menjadi hak karyawan dan keuntungan atau kerugian aktuarial yang timbul dari penyesuaian atau perubahan asumsi aktuarial yang melebihi batas koridor atau lebih besar daripada 10% dari nilai kini imbalan pasti dibebankan atau dikreditkan ke komponen laba rugi selama jangka waktu rata-rata sisa masa kerja karyawan, sampai imbalan tersebut menjadi hak karyawan (vested).
Long-term employment benefits liability repesents post-employment benefits, unfunded defined-benefit plans which amounts are determined based on years of service and salaries of the employees at the time of pension. The actuarial valuation method used to determine the present value of defined-benefit liability, related current service costs, and past service costs is the Projected Unit Credit. Current service costs, interest costs, vested past service costs, and effects of curtailments and settlements (if any) are charged directly to current operations. Past service costs which are not yet vested and actuarial gains and losses arising from experience adjustments and changes in actuarial assumptions in excess of the corridor or greater 10% of the present value of the defined benefit obligation are charged or credited to profit or loss over the employees expected average remaining working lives, until the benefits become vested.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 47 -
dd. Informasi Segmen dd. Segment Information
Informasi segmen disusun sesuai dengan kebijakan akuntansi yang dianut dalam penyusunan dan penyajian laporan keuangan.
Segment information is prepared using the accounting policies adopted for preparing and presenting the financial statements.
PSAK No. 5 (Revisi 2009) mensyaratkan identifikasi segmen operasi berdasarkan laporan internal komponen-komponen Perusahaan yang secara berkala dilaporkan kepada pengambil keputusan operasional dalam rangka alokasi sumber daya ke dalam segmen dan penilaian kinerja Perusahaan.
PSAK No. 5 (Revised 2009) requires operating segments to be identified on the basis of internal reports about components of the Company that are regularly reviewed by the chief operating decision maker in order to allocate resources to the segments and to assess their performances.
Segmen operasi adalah suatu komponen dari entitas:
An operating segment is a component of an entity:
1. Yang terlibat dalam aktivitas bisnis
untuk memperoleh pendapatan dan menimbulkan beban (termasuk pendapatan dan beban terkait dengan transaksi dengan komponen lain dari entitas yang sama);
1. That engages in business activities which it may earn revenue and incur expenses (including revenue and expenses relating to the transaction with other components of the same entity);
2. Hasil operasinya dikaji ulang secara
reguler oleh pengambil keputusan operasional untuk membuat keputusan tentang sumber daya yang dialokasikan pada segmen tersebut dan menilai kinerjanya; dan
2. Whose operating results are reviewed regularly by the entity’s chief operating decision maker to make decision about resources to be allocated to the segments and assess its performance; and
3. Tersedia informasi keuangan yang
dapat dipisahkan. 3. For which discrete financial information
is available.
Informasi yang dilaporkan kepada pengambil keputusan operasional untuk tujuan alokasi sumber daya dan penilaian kinerjanya lebih difokuskan pada kategori masing-masing produk, yang mana serupa dengan segmen usaha yang dilaporkan pada periode-periode terdahulu.
Information reported to the chief operating decision maker for the purpose of resources allocation and assessment of its performance is more specifically focused on the category of each product, which is similar to the business segment information reported in the prior period.
ee. Provisi ee. Provisions
Provisi diakui jika Perusahaan mempunyai kewajiban kini (hukum maupun konstruktif) sebagai akibat peristiwa masa lalu, yang memungkinkan Perusahaan harus menyelesaikan kewajiban tersebut dan estimasi yang andal mengenai jumlah kewajiban tersebut dapat dibuat.
Provisions are recognized when the Company has present obligation (legal or constructive) as a result of a past event, it is probable that the Company will be required to settle the obligation, and a reliable estimate can be made of the amount of the obligation.
Jumlah yang diakui sebagai provisi adalah hasil estimasi terbaik pengeluaran yang diperlukan untuk menyelesaikan kewajiban kini pada tanggal pelaporan, dengan mempertimbangkan risiko dan ketidakpastian terkait kewajiban tersebut. Ketika provisi diukur menggunakan estimasi arus kas untuk menyelesaikan kewajiban kini, maka nilai tercatat provisi adalah nilai kini arus kas tersebut.
The amount recognized as a provision is the best estimate of the consideration required to settle the obligation at the reporting date, taking into account the risks and uncertainties surrounding the obligation. Where a provision is measured using the cash flows estimated to settle the present obligation, its carrying amount is the present value of those cash flows.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 48 -
Jika sebagian atau seluruh pengeluaran untuk menyelesaikan provisi diganti oleh pihak ketiga, maka penggantian itu diakui hanya pada saat timbul keyakinan bahwa penggantian pasti akan diterima dan jumlah penggantian dapat diukur dengan andal.
When some or all of the economic benefits required to settle a provision are expected to be recovered from a third party, the receivable is recognized as an asset if it is virtually certain that reimbursement will be received and the amount of the receivable can be measured reliably.
3. Penggunaan Estimasi, Pertimbangan dan Asumsi Manajemen
3. Management Use of Estimates, Judgments and Assumptions
Dalam penerapan kebijakan akuntansi Perusahaan, seperti yang diungkapkan dalam Catatan 2 pada laporan keuangan, manajemen harus membuat estimasi, pertimbangan, dan asumsi atas nilai tercatat aset dan liabilitas yang tidak tersedia oleh sumber-sumber lain. Estimasi dan asumsi tersebut, berdasarkan pengalaman historis dan faktor lain yang dipertimbangkan relevan.
In the application of the Company’s accounting policies, which are described in Note 2 to the financial statements, management is required to make estimates, judgments, and assumptions about the carrying amounts of assets and liabilities that are not readily apparent from other sources. The estimates and assumptions are based on historical experience and other factors that are considered to be relevant.
Manajemen berkeyakinan bahwa pengungkapan berikut telah mencakup ikhtisar estimasi, pertimbangan dan asumsi signifikan yang dibuat oleh manajemen, yang berdampak terhadap jumlah-jumlah yang dilaporkan serta pengungkapan dalam laporan keuangan.
Management believes that the following represent a summary of the significant estimates, judgments and assumptions made that affected certain reported amounts of and disclosures in the financial statements.
Pertimbangan Judgments Pertimbangan-pertimbangan berikut dibuat oleh manajemen dalam proses penerapan kebijakan akuntansi Perusahaan yang memiliki dampak yang paling signifikan terhadap jumlah-jumlah yang diakui dalam laporan keuangan:
The following judgments are made by management in the process of applying the Company’s accounting policies that have the most significant effects on the amounts recognized in the financial statements:
a. Mata Uang Fungsional a. Functional Currencies
Dalam proses penerapan kebijakan akuntansi Grup, manajemen telah membuat pertimbangan untuk menentukan mata uang fungsional entitas anak luar negeri.
In the process of applying the Group’s according policies, management has made judgment on the determination of functional currency of the foreign subsidiaries.
Mata uang fungsional Perusahaan dan entitas anak adalah mata uang lingkungan ekonomi utama dimana masing-masing entitas beroperasi. Mata uang tersebut adalah yang paling mempengaruhi harga jual barang dan jasa, dan mata uang dari negara yang kekuatan persaingan dan peraturannya sebagian besar menentukan harga jual barang dan jasa entitas, dan merupakan mata uang yang mana dana dari aktivitas pendanaan dihasilkan.
The functional currency ot the Company and its subsidiaries is the currency ot the economic encironment in which each of them operates. It is the currency, among others, that mainly influenses sales prices for goods and services, and the country whose competitive forces and regulations mainly determine the sales price of its good and services, and the currency in which fund from financing acitivities are generated.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 49 -
b. Klasifikasi Aset Keuangan dan Liabilitas
Keuangan b. Classification of Financial Assets and
Financial Liabilities
Perusahaan menentukan klasifikasi aset dan liabilitas tertentu sebagai aset keuangan dan liabilitas keuangan dengan menilai apakah aset dan liabilitas tersebut memenuhi definisi yang ditetapkan dalam PSAK No. 55. Aset keuangan dan liabilitas keuangan dicatat sesuai dengan kebijakan akuntansi Perusahaan sebagaimana diungkapkan dalam Catatan 2.
The Company determines the classifications of certain assets and liabilities as financial assets and financial liabilities by judging if they meet the definition set forth in PSAK No. 55. Accordingly, the financial assets and financial liabilities are accounted for in accordance with the Company’s accounting policies disclosed in Note 2.
c. Aset Keuangan yang Tidak Memiliki
Kuotasi Harga di Pasar yang Aktif c. Financial Assets Not Quoted in Active
Market
Perusahaan mengklasifikasikan aset keuangan dengan mengevaluasi, antara lain, apakah aset tersebut memiliki atau tidak memiliki kuotasi harga di pasar yang aktif. Evaluasi tersebut juga mencakup apakah kuotasi harga suatu aset keuangan di pasar yang aktif, merupakan kuotasi harga yang tersedia secara reguler, dan kuotasi harga tersebut mencerminkan transaksi di pasar yang aktual dan terjadi secara reguler dalam suatu transaksi wajar.
The Company classifies financial assets by evaluating, among others, whether the asset is quoted or not in an active market. Included in the evaluation on whether a financial asset is quoted in an active market is the determination on whether quoted prices are readily and regularly available, and whether those prices represent actual and regularly occurring market transactions on an arm’s length basis.
d. Cadangan Kerugian Penurunan Nilai Aset
Keuangan d. Allowance for Impairment of Financial
Assets
Cadangan kerugian penurunan nilai pinjaman yang diberikan dan piutang dipelihara pada jumlah yang menurut manajemen adalah memadai untuk menutup kemungkinan tidak tertagihnya aset keuangan. Pada setiap tanggal laporan posisi keuangan, Perusahaan secara spesifik menelaah apakah telah terdapat bukti obyektif bahwa suatu aset keuangan telah mengalami penurunan nilai (tidak tertagih).
Allowance for impairment losses is maintained at a level considered adequate to provide for potentially uncollectible financial assets. The Company assesses specifically at each statement of financial position date whether there is an objective evidence that a financial asset is impaired (uncollectible).
Cadangan yang dibentuk adalah berdasarkan pengalaman penagihan masa lalu dan faktor-faktor lainnya yang mungkin mempengaruhi kolektibilitas, antara lain kemungkinan kesulitan likuiditas atau kesulitan keuangan yang signifikan yang dialami oleh debitur atau penundaan pembayaran yang signifikan.
The level of allowance is based on past collection experience and other factors that may affect collectability such as the probability of insolvency or significant financial difficulties of the debtors or significant delay in payments.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 50 -
Jika terdapat bukti obyektif penurunan nilai, maka saat dan besaran jumlah yang dapat ditagih diestimasi berdasarkan pengalaman kerugian masa lalu. Cadangan kerugian penurunan nilai dibentuk atas akun-akun yang diidentifikasi secara spesifik telah mengalami penurunan nilai. Akun pinjaman yang diberikan dan piutang dihapusbukukan berdasarkan keputusan manajemen bahwa aset keuangan tersebut tidak dapat ditagih atau direalisasi meskipun segala cara dan tindakan telah dilaksanakan. Suatu evaluasi atas piutang, yang bertujuan untuk mengidentifikasi jumlah cadangan yang harus dibentuk, dilakukan secara berkala sepanjang tahun. Oleh karena itu, saat dan besaran jumlah cadangan kerugian penurunan nilai yang tercatat pada setiap periode dapat berbeda tergantung pada pertimbangan dan estimasi yang digunakan.
If there is objective evidence of impairment, timing and collectible amounts are estimated based on historical loss data. Allowance for decline in value is provided on accounts specifically identified as impaired. Written off loans and receivables are based on management’s decisions that the financial assets are uncollectible or cannot be realized in whatsoever actions have been taken. Evaluation of receivables to determine the total allowance to be provided is performed periodically during the year. Therefore, the timing and amount of allowance for impairment losses recorded at each period might differ based on the judgments and estimates that have been used.
Nilai tercatat aset keuangan dimiliki hingga jatuh tempo serta pinjaman diberikan dan piutang Perusahaan (tidak termasuk akun Syariah) tanggal 31 Desember 2014 dan 2013 diungkapkan sebagai berikut:
The carrying value of the Company’s held to maturity and loans and receivables financial assets (excluding Sharia accounts) as of December 31, 2014 and 2013 are as follows:
2014 2013
Aset Keuangan Financial AssetsDimiliki hingga jatuh tempo Held-to-maturity
Penempatan pada bank lain Placement with other bank dan Bank Indonesia 1.425.679 915.451 and Bank Indonesia
Efek-efek 1.121.957 833.217 SecuritiesPinjaman diberikan dan piutang Loans and receivable
Kas 370.991 375.908 CashGiro pada Bank Indonesia 1.486.750 1.441.677 Demand deposits with Bank IndonesiaGiro pada bank lain 379.910 247.772 Demand deposits with other banks Penempatan pada bank lain Placement with other bank
dan Bank Indonesia 265.669 593.813 and Bank IndonesiaEfek-efek 170.212 207.001 SecuritiesEfek yang dibeli dengan janji Securities purchased under agreements
dijual kembali - 139.212 to resellKredit yang diberikan - bersih 12.519.290 9.924.090 Loans - netTagihan akseptasi 67.836 238.324 Acceptance receivablesPendapatan bunga akrual 83.429 73.261 Interest receivableAset lain-lain 40.417 65.007 Other assets
Jumlah 17.932.140 15.054.733 Total
Nilai Tercatat/Carrying value
e. Komitmen Sewa e. Lease Commitments
Komitmen sewa operasi – Perusahaan sebagai lessee
Operating lease commitments – the Company as lessee
Perusahaan telah menandatangani sejumlah perjanjian sewa ruangan, kendaraan dan mesin ATM. Perusahaan menentukan bahwa sewa tersebut adalah sewa operasi karena Perusahaan tidak menanggung secara signifikan seluruh risiko dan manfaat dari kepemilikan aset-aset tersebut.
The Company has entered into various lease agreements for commercial spaces, vehicles and ATM machines. The Company has determined that it is an operating lease since the Company does not bear substantially all the significant risks and rewards of ownership of the related assets.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 51 -
Komitmen sewa operasi – Perusahaan sebagai lessor
Operating lease commitments – the Company as lessor
Perusahaan telah menandatangani sejumlah perjanjian sewa ruangan. Perusahaan menentukan bahwa sewa tersebut adalah sewa operasi karena Perusahaan menanggung secara signifikan seluruh risiko dan manfaat dari kepemilikan aset-aset tersebut.
The Company has entered into lease of commercial space agreements. The Company has determined that these are operating leases since the Company bears substantially all the significant risks and rewards of ownership of the related assets.
f. Cadangan kerugian penurunan nilai
investasi tersedia untuk dijual f. Allowance for Impairment of AFS Equity
Investments
Perusahaan berpedoman pada PSAK No. 55 (Revisi 2011) untuk menentukan apakah terjadi penurunan nilai atas investasi tersedia untuk dijual. Penentuan tersebut mensyaratkan pertimbangan yang signifikan. Dalam membuat pertimbangan tersebut, Perusahaan mengevaluasi, antara lain, lamanya dan sejauh mana nilai wajar investasi tersebut berada di bawah biaya perolehannya; tingkat kesehatan keuangan serta gambaran bisnis jangka pendek dari investee, termasuk faktor-faktor seperti kinerja industri dan sektor industri, perubahan teknologi serta arus kas operasi serta pendanaan.
The Company follows the guidance of PSAK No. 55 (Revised 2011) to determine when an AFS equity investment is impaired. This determination requires significant judgment. In making this judgment, the Company evaluates, among other factors, the duration and extent to which the fair value of an investment is less than its cost; and the financial health of and short-term business outlook for the investee, including factors such as industry and sector performance, changes in technology and operational and financing cash flow.
g. Pajak Penghasilan g. Income Taxes
Pertimbangan yang signifikan dibutuhkan untuk menentukan jumlah pajak penghasilan. Terdapat sejumlah transaksi dan perhitungan yang menimbulkan ketidakpastian penentuan jumlah pajak penghasilan karena interpretasi atas peraturan pajak yang berbeda. Jika hasil pemeriksaan pajak berbeda dengan jumlah yang sebelumnya telah dibukukan, maka selisih tersebut akan berdampak terhadap aset dan liabilitas pajak kini dan tangguhan dalam periode dimana hasil pemeriksaan tersebut terjadi.
Significant judgment is required in determining the provision for income taxes. There are many transactions and calculations for which the ultimate tax determination is uncertain due to different interpretation of tax regulations. Where the final tax outcome of these matters is different from the amounts that were initially recorded, such differences will have an impact on the current and deferred income tax assets and liabilities in the period in which such determination is made.
Estimasi dan Asumsi Estimates and Assumptions Asumsi utama mengenai masa depan dan sumber utama lain dalam mengestimasi ketidakpastian pada tanggal pelaporan yang mempunyai risiko signifikan yang dapat menyebabkan penyesuaian material terhadap nilai tercatat aset dan liabilitas dalam periode berikutnya diungkapkan di bawah ini. Perusahaan mendasarkan asumsi dan estimasi pada parameter yang tersedia saat laporan keuangan disusun. Kondisi yang ada dan asumsi mengenai perkembangan masa depan dapat berubah karena perubahan situasi pasar yang berada di luar kendali Perusahaan. Perubahan tersebut tercermin dalam asumsi ketika keadaan tersebut terjadi:
The key assumptions concerning the future and other key sources of estimation uncertainty at the reporting date that have a significant risk of causing a material adjustment to the carrying amounts of assets and liabilities within the next financial period are disclosed below. The Company based its assumptions and estimates on parameters available when the financial statements were prepared. Existing circumstances and assumptions about future developments may change due to market changes on circumstances arising beyond the control of the Company. Such changes are reflected in the assumptions when they occur:
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 52 -
a. Nilai Wajar Aset Keuangan dan Liabilitas
Keuangan a. Fair Value of Financial Assets and Financial
Liabilities
Standar Akuntansi Keuangan di Indonesia mensyaratkan pengukuran aset keuangan dan liabilitas keuangan tertentu pada nilai wajarnya, dan penyajian ini mengharuskan penggunaan estimasi. Komponen pengukuran nilai wajar yang signifikan ditentukan berdasarkan bukti-bukti obyektif yang dapat diverifikasi (seperti nilai tukar, suku bunga), sedangkan saat dan besaran perubahan nilai wajar dapat menjadi berbeda karena penggunaan metode penilaian yang berbeda.
Indonesian Financial Accounting Standards require measurement of certain financial assets and liabilities at fair values, and the disclosure requires the use of estimates. Significant component of fair value measurement is determined based on verifiable objective evidence (i.e. foreign exchange rate, interest rate), while timing and amount of changes in fair value might differ due to different valuation method used.
Nilai wajar aset keuangan dan liabilitas keuangan diungkapkan pada Catatan 36.
The fair value of financial assets and financial liabilities are set out in Note 36.
b. Estimasi Masa Manfaat Aset Tetap b. Estimated Useful Lives of Premises and
Equipment
Masa manfaat dari masing-masing aset tetap Perusahaan diestimasi berdasarkan jangka waktu aset tersebut diharapkan tersedia untuk digunakan. Estimasi tersebut didasarkan pada penilaian kolektif berdasarkan bidang usaha yang sama, evaluasi teknis internal dan pengalaman dengan aset sejenis. Estimasi masa manfaat setiap aset ditelaah secara berkala dan diperbarui jika estimasi berbeda dari perkiraan sebelumnya yang disebabkan karena pemakaian, usang secara teknis atau komersial serta keterbatasan hak atau pembatasan lainnya terhadap penggunaan aset. Dengan demikian, hasil operasi di masa mendatang mungkin dapat terpengaruh secara signifikan oleh perubahan dalam jumlah dan waktu terjadinya biaya karena perubahan yang disebabkan oleh faktor-faktor yang disebutkan di atas. Penurunan estimasi masa manfaat ekonomis setiap aset tetap akan menyebabkan kenaikan beban penyusutan dan penurunan nilai tercatat aset tetap.
The useful lives of each of the item of the Company’s premises and equipment are estimated based on the period over which the asset is expected to be available for use. Such estimation is based on a collective assessment of similar business, internal technical evaluation and experience with similar assets. The estimated useful life of each asset is reviewed periodically and updated if expectations differ from previous estimates due to physical wear and tear, technical or commercial obsolescence, and legal or other limits on the use of the asset. It is possible, however, that future results of operations could be materially affected by changes in the amounts and timing of recorded expenses brought about by changes in the factors mentioned above. A reduction in the estimated useful life of any item of property and equipment would increase the recorded depreciation and decrease the carrying values of these assets.
Tidak terdapat perubahan dalam estimasi masa manfaat aset tetap. Estimasi masa manfaat aset tetap diungkapkan pada Catatan 2.
There is no change in the estimated useful lives of premises and equipment. The estimated useful lives of premises and equipment are set out in Note 2.
Nilai tercatat aset tetap pada tanggal 31 Desember 2014 dan 2013 diungkapkan pada Catatan 14.
The carrying value of these assets as of December 31, 2014 and 2013 is disclosed in Note 14.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 53 -
c. Imbalan Pasca-Kerja c. Post-employment Benefits
Penentuan liabilitas dan imbalan pasca-kerja dipengaruhi oleh asumsi tertentu yang digunakan oleh aktuaris dalam menghitung jumlah tersebut. Asumsi-asumsi tersebut dijelaskan dalam Catatan 37 dan mencakup, antara lain, tingkat diskonto dan tingkat kenaikan gaji. Hasil aktual yang berbeda dengan asumsi Perusahaan diakumulasi dan diamortisasi ke masa depan dan oleh karena itu, secara umum berdampak pada beban yang diakui dan liabilitas yang tercatat pada periode-periode mendatang. Manajemen berkeyakinan bahwa asumsi-asumsi yang digunakan adalah tepat dan wajar, namun demikian, perbedaan signifikan pada hasil aktual, atau perubahan signifikan dalam asumsi-asumsi tersebut dapat berdampak signifikan pada jumlah liabilitas imbalan kerja jangka panjang.
The determination of the obligation and post-employment benefits is dependent on the selection of certain assumptions used by actuary in calculating such amounts. Those assumptions are described in Note 37 and include, among others, discount rate and rate of salary increase. Actual results that differ from the Company’s assumptions are accumulated and amortized over future periods and therefore, generally affect the recognized expense and recorded obligation in such future periods. While it is believed that the Company’s assumptions are reasonable and appropriate, significant differences in actual experience or significant changes in assumptions may materially affect the amount of long-term employee benefit liability.
Nilai tercatat liabilitas imbalan kerja jangka panjang diungkapkan pada Catatan 37.
The carrying value of long-term employee benefit liability is set out in Note 37.
d. Penurunan Nilai Aset Non-Keuangan d. Impairment of Non-financial Assets
Penelaahan atas penurunan nilai dilakukan apabila terdapat indikasi penurunan nilai aset tertentu. Penentuan nilai wajar aset membutuhkan estimasi arus kas yang diharapkan akan dihasilkan dari pemakaian berkelanjutan dan pelepasan akhir atas aset tersebut. Perubahan signifikan dalam asumsi-asumsi yang digunakan untuk menentukan nilai wajar dapat berdampak signifikan pada nilai terpulihkan dan jumlah kerugian penurunan nilai yang terjadi mungkin berdampak material pada hasil operasi Perusahaan.
Impairment review is performed when certain impairment indicators are present. Determining the fair value of assets requires the estimation of cash flows expected to be generated from the continued use and ultimate disposition of such assets. Any significant changes in the assumptions used in determining the fair value may materially affect the assessment of recoverable values and any resulting impairment loss could have a material impact on results of operations.
Nilai tercatat aset non-keuangan berupa aset tetap dan aset lain-lain (agunan yang diambil alih dan aset tetap yang tidak digunakan) diungkapkan pada Catatan 14 dan 16.
The carrying value of these assets in form of premises and equipment, and other assets (foreclosed assets and abandoned properties) are set out in Notes 14 and 16.
e. Aset Pajak Tangguhan e. Deferred Tax Assets
Aset pajak tangguhan diakui untuk semua perbedaan temporer antara nilai tercatat aset dan liabilitas pada laporan keuangan dengan dasar pengenaan pajak jika besar kemungkinan bahwa jumlah laba fiskal akan memadai untuk pemanfaatan perbedaan temporer yang diakui. Estimasi manajemen yang signifikan diperlukan untuk menentukan jumlah aset pajak tangguhan yang diakui berdasarkan kemungkinan waktu terealisasinya dan jumlah laba kena pajak pada masa mendatang serta strategi perencanaan pajak masa depan.
Deferred tax assets are recognized for all temporary differences between the financial statements’ carrying amounts of existing assets and liabilities and their respective taxes bases to the extent that it is probable that taxable profit will be available against which the temporary differences can be utilized. Significant management estimates are required to determine the amount of deferred tax assets that can be recognized, based upon the likely timing and the level of future taxable profits together with future tax planning strategies.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 54 -
Aset pajak tangguhan diungkapkan pada Catatan 31.
Deferred tax assets are disclosed in Note 31.
4. Giro pada Bank Indonesia 4. Demand Deposits with Bank Indonesia
2014 2013
Rupiah 1.174.543 1.043.323 RupiahMata uang asing (Catatan 35) 359.642 418.154 Foreign currency (Note 35)
Jumlah 1.534.185 1.461.477 Total
Pada tanggal 31 Desember 2014 dan 2013, termasuk dalam giro pada Bank Indonesia adalah giro yang didasarkan pada prinsip perbankan syariah sebesar Rp 47.435 dan Rp 19.800.
As of December 31, 2014 and 2013, this account includes current accounts based on the principles of Islamic banking amounting to Rp 47,435 and Rp 19,800, respectively.
Pada tanggal 31 Desember 2014 dan 2013, Giro Wajib Minimum (GWM) Perusahaan dalam mata uang Rupiah untuk GWM Utama masing-masing adalah sebesar Rp 1.078.761 dan Rp 793.580 serta untuk GWM sekunder masing-masing adalah sebesar Rp 517.237 dan Rp 387.219, sedangkan untuk mata uang asing masing-masing adalah sebesar Rp 358.449 dan Rp 417.270.
As of December 31, 2014 and 2013, the Company’s minimum liquidity reserves in Rupiah for primary reserves amounted to Rp 1,078,761 and Rp 793,580, respectively, and for secondary reserve amounted to Rp 517,237 and Rp 387,219, respectively, while the minimum liquidity reserves in foreign currencies amounted to Rp 358,449 and Rp 417,270, respectively.
Rasio GWM Perusahaan untuk mata uang Rupiah dan mata uang asing pada tanggal 31 Desember 2014 dan 2013, adalah:
The Company’s minimum liquidity reserves ratio for foreign and Rupiah currencies as of December 31, 2014 and 2013 are as follows:
2014 2013
% %
GWM yang telah dibentuk Company's liquidity reserveRupiah Rupiah
GWM Primer Primary reserveKonvensional 8,64 9,37 ConventionalSyariah 5,08 5,08 Sharia
GWM Sekunder Secondary reserveKonvensional 5,63 6,26 Conventional
GWM LDR 0,64 1,37 LDR ReserveMata uang asing Foreign currency
Konvensional 8,02 8,01 ConventionalSyariah 1,04 8,56 Sharia
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 55 -
5. Giro pada Bank Lain 5. Demand Deposits with Other Banks
2014 2013
Pihak ketiga Third PartiesRupiah Rupiah
Standard Chartered Bank 97.133 723 Standard Chartered BankPT Bank Central Asia Tbk 41.246 34.007 PT Bank Central Asia TbkPT Bank Mandiri (Persero) Tbk - 4.118 PT Bank Mandiri (Persero) TbkLain-lain (di bawah Rp 1.000) 141 95 Others (under Rp 1,000)
Jumlah 138.520 38.943 Total
Mata uang asing (Catatan 35) Foreign currencies (Note 35)Bank of China, Australia 39.577 16.801 Bank of China, AustraliaPT Bank Central Asia Tbk 38.655 21.519 PT Bank Central Asia TbkDeutsche Bank Trust Company Deutsche Bank Trust Company
Americas, Amerika Serikat 26.858 21.556 Americas, United States of AmericaPT Bank ICBC, Indonesia 20.007 - PT Bank ICBC, IndonesiaUnited Overseas Bank, Singapura 15.035 26.302 United Overseas Bank, SingaporeBank of Amerika, Merrill Lynch, Bank of Amerika, Merrill Lynch,
Amerika Serikat 15.009 13.172 United States of AmericaPT Bank Mandiri (Persero) Tbk 14.077 37.825 PT Bank Mandiri (Persero) TbkBank of China, Indonesia 12.151 12.274 Bank of China, IndonesiaDeutsche Bank AG, Jerman 10.647 17.787 Deutsche Bank AG, GermanyBank International Ningbo, China 8.973 6.198 Bank International Ningbo, ChinaWells Fargo Bank, N.A, Inggris 8.582 8.863 Wells Fargo Bank, N.A, EnglandOCBC, Singapura 7.721 6.811 OCBC, SingaporeSumitomo Mitsui Banking Corporation, Sumitomo Mitsui Banking Corporation,
Jepang 6.564 1.477 JapanBank of China, China 6.367 6.411 Bank of China, ChinaWells Fargo Bank, N.A, Wells Fargo Bank, N.A, United States
Amerika Serikat 3.242 2.816 of AmericaUnited Overseas Bank, Amerika Serikat 2.796 2.748 United Overseas Bank, United States of AmericaStandard Chartered Bank, Hong Kong 1.238 1.217 Standard Chartered Bank, Hong KongStandard Chartered Bank, Standard Chartered Bank, United
Amerika Serikat 1.112 1.820 States of AmericaBarclays Bank PLC, Inggris 96 1.287 Barclays Bank PLC, EnglandLain-lain (di bawah Rp 1.000) 2.683 1.945 Others (under Rp 1,000)
Jumlah mata uang asing 241.390 208.829 Total foreign currencies
Jumlah 379.910 247.772 Total
Pada tanggal 31 Desember 2014 dan 2013, giro pada bank lain dikelompokkan sebagai Lancar.
As of December 31, 2014 and 2013, all demand deposits with other banks are classified as Current.
Pada tanggal 31 Desember 2014 dan 2013, tidak terdapat saldo giro pada bank lain yang diblokir.
As of December 31, 2014 and 2013, there are no demand deposits with other banks which are restricted or under lien.
Giro pada bank lain dalam Rupiah tidak mendapatkan bunga, sedangkan giro pada bank lain dalam mata uang asing, mempunyai suku bunga rata-rata per tahun sebesar 0,33% dan 0,50% masing-masing pada tahun 2014 dan 2013.
Demand deposits with other banks in Rupiah do not earn interest. The average interest rates per annum of demand deposits with other banks in foreign currencies are 0.33% and 0.50% in 2014 and 2013, respectively.
Manajemen berpendapat bahwa tidak terdapat penurunan nilai atas giro pada bank lain sehingga tidak diperlukan cadangan kerugian penurunan nilai.
Management believes that there is no impaired demand deposits with other banks, therefore, no allowance for impairment losses is provided for.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 56 -
6. Penempatan pada Bank Lain dan Bank
Indonesia 6. Placements with Other Banks and Bank
Indonesia
Suku Bunga PihakRata-rata/ Ketiga/
Jangka Waktu/ Average Interest ThirdJenis Penempatan Term Rate Parties Type of Placement
%Rupiah Rupiah
Penempatan pada Bank Indonesia Placements with Bank IndonesiaDeposit facility 2 hari/days 5,75 1.384.779 Deposit facility
Penempatan pada bank lain Placements with other banks Call money 31 hari/days 7,00 20.000 Call moneyNegotiable Certificate of Deposit 14 - 31 hari/days 9,00-9,50 42.900 Negotiable Certificate of Deposit
Jumlah 1.447.679 Total
Mata uang asing (Catatan 35) Foreign currency (Note 35)Penempatan pada bank lain Placements with other banks
Deposit on call 1-14 hari/days 0,03 1.818 Deposit on callCall money 1-34 hari/days 1,00 243.851 Call money
Jumlah 245.669 Total
Jumlah 1.693.348 Total
2014
Suku Bunga PihakRata-rata/ Ketiga/
Jangka Waktu/ Average Interest ThirdJenis Penempatan Term Rate Parties Type of Placement
%Rupiah Rupiah
Penempatan pada Bank Indonesia Placements with Bank IndonesiaDeposit facility 2 hari/days 5,75 308.451 Deposit facility
Penempatan pada bank lain Placements with other banks Deposito berjangka 14 - 31 hari/days 7,10 - 8,50 40.000 Time deposits
Jumlah 348.451 Total
Mata uang asing (Catatan 35) Foreign currency (Note 35)Penempatan pada Bank Indonesia Placements with Bank Indonesia
Term deposit 2 hari/days 0,09 608.500 Term depositPenempatan pada bank lain Placements with other banks
Deposito berjangka 31 - 32 hari/days 2,00 - 2,50 121.700 Time depositsCall money 1 - 32 hari/day 0,12 - 2,50 432.113 Call money
Jumlah 1.162.313 Total
Jumlah 1.510.764 Total
2013
Penempatan pada bank lain dalam bentuk call money, deposit on call dan deposito berjangka dikategorikan sebagai pinjaman yang diberikan dan piutang, sedangkan penempatan pada bank lain dalam bentuk negotiable certificate of deposits dan penempatan pada Bank Indonesia dalam bentuk deposit facility dan term deposit dikategorikan sebagai investasi dimiliki hingga jatuh tempo.
Placements with other banks in the form of call money, deposit on call and time deposits are classified as loans and receivables, while placements with other banks in the form of negotiable certificate of deposits and placement with Bank Indonesia in the form of deposit facility and term deposit are classified as held to maturity.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 57 -
Penempatan pada bank lain dalam mata uang Rupiah pada tanggal 31 Desember 2014 dan 2013 merupakan penempatan pada:
Details of placements with other banks in Rupiah as of December 31, 2014 and 2013 are as follows:
2014 2013
Call money Call moneyPT Bank Ekspor Indonesia 20.000 20.000 PT Bank Ekspor Indonesia
Negotiable certificate of deposits Negotiable certificate of depositsPT Bank Tabungan Negara PT Bank Tabungan Negara
(Persero) Tbk 24.079 - (Persero) TbkPT Bank Commonwealth 18.821 - PT Bank Commonwealth
Deposito berjangka Time depositsPT Bank Pundi Indonesia Tbk - 20.000 PT Bank Pundi Indonesia Tbk
Jumlah 62.900 40.000 Total
Nama Bank Bank Name
Penempatan bank lain dalam mata uang asing merupakan penempatan pada:
Details of placements with other banks in foreign currency are as follows:
2014 2013US$ US$
Call Money Call moneyStandard Charterd Bank, Amerika Serikat 9.689.237 7.006.413 Standard Charterd Bank, United States of AmericaWells Fargo Bank, N.A., Amerika Serikat 7.000.000 24.500.000 Wells Fargo Bank, N.A., United States of AmericaPT Bank Capital Indonesia Tbk 3.000.000 4.000.000 PT Bank Capital Indonesia Tbk
Jumlah 19.689.237 35.506.413 Total
Deposito on Call Deposito on CallUBS AG, Singapura 146.822 - UBS AG, Singapore
Jumlah 146.822 - Total
Deposito Berjangka Time DepositsPT Bank Muamalat Indonesia Tbk - 10.000.000 PT Bank Muamalat Indonesia Tbk
Jumlah - 10.000.000 Total
Jumlah 19.836.059 45.506.413 Total
Nama Bank Bank Name
Pada tanggal 31 Desember 2014 dan 2013, tidak terdapat saldo penempatan pada bank lain dan Bank Indonesia yang dijaminkan.
As of December 31, 2014 and 2013, there was no placement with other banks and Bank Indonesia pledge as collateral.
Pada tanggal 31 Desember 2014 dan 2013, penempatan pada bank lain dikelompokkan sebagai Lancar.
As of December 31, 2014 and 2013, all placements with other banks are classified as Current.
Pada tanggal 31 Desember 2014 dan 2013, seluruh penempatan pada bank lain adalah penempatan pada pihak ketiga.
As of December 31, 2014 and 2013, all of placement with other banks are placement in third parties.
Manajemen berpendapat bahwa tidak terdapat penurunan nilai atas penempatan pada bank lain sehingga tidak diperlukan cadangan kerugian penurunan nilai.
Management believes that there is no impaired placement with other banks, therefore, no allowance for impairment losses is provided for.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 58 -
7. Efek-Efek 7. Securities
a. Jenis dan tujuan investasi efek-efek adalah
sebagai berikut: a. The details of securities by type and
purpose of investments are as follows:
2014 2013
Rupiah RupiahDiukur pada nilai wajar melalui laporan laba rugi At fair value through profit and loss - trading
Obligasi korporasi Corporate bondsSukuk Ijarah PLN I 2013 10.483 11.000 Sukuk Ijarah PLN I 2013Lembaga Pembiayaan Ekspor Indonesia Lembaga Pembiayaan Ekspor Indonesia
2013 Seri A - 20.000 2013 Seri ASukuk Mudharabah Adira Finance Sukuk Mudharabah Adira Finance
2013 Seri C - 9.846 2013 Series C
Nilai wajar 10.483 40.846 Fair value
Obligasi Pemerintah Government bondsSR005 - 34.752 SR005SR004 - 5.730 SR004PBS004 - 5.682 PBS004
Nilai wajar - 46.164 Fair value
Jumlah diukur pada nilai wajar Total at fair value through melalui laporan laba rugi 10.483 87.010 profit and loss - trading
Tersedia untuk dijual Available for saleObligasi korporasi Corporate bonds
PT Pembangunan Perumahan I 2013 17.562 20.000 PT Pembangunan Perumahan I 2013PT Surya Artha Nusantara Finance II PT Surya Artha Nusantara Finance II
2012 Seri C 10.001 10.182 2012 Seri CBank Victoria IV 2013 10.000 10.000 Bank Victoria IV 2013PT Japfa Comfeed Indonesia Tbk II 2012 9.980 10.200 PT Japfa Comfeed Indonesia Tbk II 2012Astra Sedaya Finance III Astra Sedaya Finance III
2013 Seri B 7.814 8.000 2013 Series BAstra Sedaya Finance XII Astra Sedaya Finance XII
2011 Seri D 2.009 2.000 2011 Series DLembaga Pembiayaan Ekspor Indonesia Lembaga Pembiayaan Ekspor Indonesia
2013 Seri A - 30.000 2013 Seri AAdira Dinamika Multi Finance I Adira Dinamika Multi Finance I
2011 Seri B - 15.150 2011 Series BAstra Sedaya Finance III Astra Sedaya Finance III
2013 Seri A - 8.936 2013 Series APT Federal International Finance I 2012 PT Federal International Finance I 2012
Seri B - 8.002 Seri BBank Internasional Indonesia I Tahun Seri A - 3.030 Bank Internasional Indonesia I Tahun Seri APerum Pegadaian II 2012 Seri B - 1.002 Perum Pegadaian II 2012 Seri BPT Federal International Finance I 2012 PT Federal International Finance I 2012
Seri C - 952 Seri C
Nilai wajar 57.366 127.454 Fair value
Obligasi Pemerintah Government Bonds ORI011 20.284 - ORI011FR059 - 8.485 FR059FR062 - 7.065 FR062ORI009 - 485 ORI009
Nilai wajar 20.284 16.035 Fair value
Jumlah tersedia untuk dijual 77.650 143.489 Total available for sale
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 59 -
2014 2013
Rupiah RupiahDimiliki hingga jatuh tempo Held-to-maturity
Sertifikat Bank Indonesia 200.000 131.667 Certificate of Bank IndonesiaSertifikat Deposito Bank Indonesia 175.000 100.000 Deposit Certificate of Bank IndonesiaBunga diterima dimuka yang Unamortized interest received
belum diamortisasi (10.392) (6.179) in advance
Nilai bersih 364.608 225.488 Net
Obligasi Pemerintah Government Bonds FR0028 79.425 79.232 FR0028FR0038 51.282 51.565 FR0038FR0069 49.726 - FR0069FR0027 39.900 39.685 FR0027FR0031 29.744 29.711 FR0031FR0043 28.524 28.402 FR0043FR0034 21.268 21.397 FR0034IFR006 20.717 20.961 IFR006FR0036 20.491 20.569 FR0036ORI-10 20.347 20.538 ORI-10SR006 20.292 - SR006FR0070 19.219 - FR0070FR0045 17.348 17.320 FR0045PBS003 9.900 9.892 PBS003SR004 9.853 9.676 SR004FR0040 9.779 9.769 FR0040SR005 9.772 - SR005FR0071 9.612 - FR0071FR0059 8.841 - FR0059FR0062 7.219 - FR0062PBS004 3.614 3.551 PBS004FR0026 - 70.476 FR0026FR0042 - 27.713 FR0042
Jumlah 486.873 460.457 Total
Obligasi korporasi Corporate bondsPT Sumber Alfaria Trijaya Tbk I 2014 30.000 - PT Sumber Alfaria Trijaya Tbk I 2014MTN BFI Finance II 2014 30.000 - MTN BFI Finance II 2014Ciputra Residence 2014 Seri A 20.000 - Ciputra Residence 2014 Seri AObligasi I Pupuk Indonesia 2014 Seri A 20.000 - Obligasi I Pupuk Indonesia 2014 Seri APT Indofood VII 2014 20.000 - PT Indofood VII 2014PT Adira Finance 2014 Seri B 20.000 - PT Adira Finance 2014 Seri BPT Indosat I 2014 Seri A 20.000 - PT Indosat I 2014 Seri APT Global Mediacom 19.999 - PT Global MediacomPT Federal International Finance 2014 Seri A 10.000 - PT Federal International Finance 2014 Seri APT Sarana Multi Infrastruktur (Persero) PT Sarana Multi Infrastruktur (Persero)
Seri A 2014 8.000 - Seri A 2014Bank ICBC Indonesia MTN Seri A 5.000 - Bank ICBC Indonesia MTN Seri ASukuk Ijarah PLN V 2010 Seri A 2.004 2.012 Sukuk Ijarah PLN V 2010 Seri ASukuk Ijarah Indosat IV 2009 Seri A - 2.000 Sukuk Ijarah Indosat IV 2009 Seri A
Jumlah 205.003 4.012 Total
Jumlah dimiliki hingga jatuh tempo 1.056.484 689.957 Total held-to-maturity
Jumlah Rupiah 1.144.617 920.456 Total Rupiah
Mata uang asing (Catatan 35) Foreign currencies (Note 35)Dimiliki hingga jatuh tempo Held-to-maturity
Republik Indonesia - ROI Loan 142.625 227.883 Republic of Indonesia - ROI Loan
Jumlah dimiliki hingga jatuh tempo 142.625 227.883 Total held-to-maturity
Pinjaman yang diberikan dan piutang Loans and receivableTagihan atas wesel ekspor 170.212 207.001 Bills receivable
Jumlah mata uang asing 312.837 434.884 Total foreign currencies
Jumlah 1.457.454 1.355.340 TotalCadangan kerugian penurunan nilai (124) (248) Allowance for impairment losses
Jumlah - Bersih 1.457.330 1.355.092 Net
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 60 -
Seluruh efek-efek yang dimiliki Perusahaan pada tanggal 31 Desember 2014 dan 2013 merupakan efek-efek yang diterbitkan oleh pihak ketiga.
As of December 31, 2014 and 2013, all securities owned by the Company are issued by third parties.
b. Efek-efek dimiliki hingga jatuh tempo
adalah sebagai berikut: b. The details of held-to-maturity securities are
as follows:
Lebih dari Lebih dari Sampai dengan 1-5 tahun/ 5 tahun/
1 tahun/ More than 1 year More than Jumlah/ 1 year or less until 5 years 5 years Total
Berdasarkan jangka waktu Based on contractual maturityRupiah Rupiah
Sertifikat Bank Indonesia 191.821 - - 191.821 Certificate of Bank IndonesiaSertifikat Deposito Bank Indonesia 172.787 - - 172.787 Deposit Certificate of Bank IndonesiaObligasi Pemerintah - 109.991 376.882 486.873 Government bonds Obligasi korporasi - 205.003 - 205.003 Corporate bonds
Jumlah - Rupiah 364.608 314.994 376.882 1.056.484 Total
Mata uang asing Foreign currencyRepublik Indonesia - ROI Loan - - 142.625 142.625 Republic of Indonesia - ROI Loan
Jumlah 364.608 314.994 519.507 1.199.109 Total
Berdasarkan jatuh tempo Based on remaining maturityRupiah Rupiah
Sertifikat Bank Indonesia 191.821 - - 191.821 Certificate of Bank IndonesiaSertifikat Deposito Bank Indonesia 172.787 - - 172.787 Deposit Certificate of Bank IndonesiaObligasi Pemerintah 49.752 251.337 185.784 486.873 Government bonds Obligasi korporasi 47.004 157.999 - 205.003 Corporate bonds
Jumlah - Rupiah 461.364 409.336 185.784 1.056.484 Total
Mata uang asing (Catatan 35) Foreign currency (Note 35)Republik Indonesia - ROI Loan 49.192 12.593 80.840 142.625 Republic of Indonesia - ROI Loan
Jumlah Total510.556 421.929 266.624 1.199.109
2014
Lebih dari Lebih dari Sampai dengan 1-5 tahun/ 5 tahun/
1 tahun/ More than 1 year More than Jumlah/ 1 year or less until 5 years 5 years Total
Berdasarkan jangka waktu Based on contractual maturityRupiah Rupiah
Sertifikat Bank Indonesia 126.416 - - 126.416 Certificate of Bank IndonesiaSertifikat Deposito Bank Indonesia 99.072 - - 99.072 Deposit Certificate of Bank IndonesiaObligasi Pemerintah - 80.152 380.305 460.457 Government bonds Obligasi korporasi - 4.012 - 4.012 Corporate bonds
Jumlah - Rupiah 225.488 84.164 380.305 689.957 Total
Mata uang asing Foreign currencyRepublik Indonesia - ROI Loan - 36.531 191.352 227.883 Republic of Indonesia - ROI Loan
Jumlah 225.488 120.695 571.657 917.840 Total
Berdasarkan jatuh tempo Based on remaining maturityRupiah Rupiah
Sertifikat Bank Indonesia 126.416 - - 126.416 Certificate of Bank IndonesiaSertifikat Deposito Bank Indonesia 99.072 - - 99.072 Deposit Certificate of Bank IndonesiaObligasi Pemerintah 70.476 200.696 189.285 460.457 Government bonds Obligasi korporasi 2.000 2.012 - 4.012 Corporate bonds
Jumlah - Rupiah 297.964 200.696 189.285 689.957 Total
Mata uang asing (Catatan 35) Foreign currency (Note 35)Republik Indonesia - ROI Loan 99.954 59.762 68.167 227.883 Republic of Indonesia - ROI Loan
Jumlah 397.918 260.458 257.452 917.840 Total
2013
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 61 -
c. Suku bunga per tahun efek-efek adalah
sebagai berikut: c. Interest rates per annum of securities are as
follows:
2014 2013% %
Rupiah RupiahSertifikat Bank Indonesia 6,85 – 6,92 6,80 - 7,25 Bank Indonesia CertificateObligasi Pemerintah 6,00 – 12,80 6,25 - 12,80 Government bondsObligasi korporasi 7,75 – 11,40 9,15 - 10,00 Corporate bonds
Mata uang asing Foreign currencyRepublik Indonesia - ROI Loan 3,30 – 7.25 6,75 - 10,37 Republic of Indonesia - ROI LoanTagihan atas wesel ekspor 1,21 – 2,75 1,21 - 2,75 Bills receivable
d. Nilai wajar dari obligasi (termasuk obligasi
Pemerintah) yang dimiliki hingga jatuh tempo pada tanggal 31 Desember 2014 dan 2013 adalah masing-masing sebesar Rp 889.312 dan Rp 753.856.
d. The fair values of held-to-maturity bonds (including Government Bonds) as of December 31, 2014 and 2013 amounted to Rp 889,312 and Rp 753,856, respectively.
e. Nilai tercatat dari obligasi sukuk yang
direklasifikasi dari kategori tersedia untuk dijual ke kategori diukur pada nilai wajar melalui laba rugi dan kategori dimiliki hingga jatuh tempo selama tahun 2013 adalah masing-masing sebesar Rp 57.459 dan Rp 36.437.
e. The carrying amount of sukuk bonds that is reclassified from available for sale category to at fair value through profit or loss – trading category and held-to-maturity category during 2013 amounted to Rp 57,459 dan Rp 36,437, respectively.
f. Rincian peringkat obligasi korporasi dari
PT Pemeringkat Efek Indonesia (PT Pefindo), Moody’s dan Fitch Rating seperti yang dilaporkan oleh Bursa Efek Indonesia adalah sebagai berikut:
f. The details of corporate bond’s ratings from PT Pemeringkat Efek Indonesia (PT Pefindo), Moody’s or Fitch Rating as reported by the Indonesian Stock Exchange, are as follows:
2014 2013
Syariah Ijarah PT Perusahaan Listrik Negara idAAA(sy) idAAA(sy) Syariah Ijarah PT Perusahaan Listrik NegaraPT Adira Dinamika Multi Finance Tbk idAAA idAA+ PT Adira Dinamika Multi Finance TbkPT Astra Sedaya Finance idAAA idAA+ PT Astra Sedaya FinancePT Federal International Finance idAAA idAA+ PT Federal International FinancePT Indofood Tbk idAA+ - PT Indofood TbkPT Sarana Multi Infrastruktur idAA+ - PT Sarana Multi InfrastrukturPT Surya Artha Nusantara Finance idAA- idAA- PT Surya Artha Nusantara FinancePT Japfa Comfeed Tbk idA+ idA+ PT Japfa Comfeed TbkPT Global Mediacom Tbk idA+ - PT Global Mediacom TbkPT Bank Victoria idA- idA- PT Bank VictoriaPT Pembangunan Perumahan idA idA PT Pembangunan PerumahanPT Indosat Tbk id AAA - PT Indosat TbkPT Bank ICBC Indonesia F1+ (idn) - PT Bank ICBC IndonesiaPT Pupuk Indonesia AAA (idn) - PT Pupuk IndonesiaPT Sumber Alfaria Trijaya Tbk AA- (idn) - PT Sumber Alfaria Trijaya TbkPT BFI Finance Indonesia Tbk A (idn) - PT BFI Finance Indonesia TbkPT Ciputra Residence Tbk A (idn) - PT Ciputra Residence TbkPT Indosat Tbk - Sukuk Ijarah - idAA+(sy) PT Indosat Tbk - Sukuk IjarahPegadaian - idAA+ PegadaianPT Perusahaan Listrik Negara (Persero) - Baa3 PT Perusahaan Listrik Negara (Persero)Lembaga Pembayaran Ekspor Indonesia - idAAA Lembaga Pembayaran Ekspor IndonesiaPT Bank Internasional Indonesia Seri A - idAAA PT Bank Internasional Indonesia Seri A
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 62 -
g. Pada tanggal 31 Desember 2014 dan
2013, efek-efek diklasifikasikan sebagai Lancar.
g. As of December 31, 2014 and 2013, all securities are classified as Current.
h. Perubahan cadangan kerugian penurunan
nilai efek-efek adalah sebagai berikut: h. The changes in allowance for possible
losses on securities are as follows:
Mata Uang Mata Uang Asing/ Asing/
Rupiah/ Foreign Jumlah/ Rupiah/ Foreign Jumlah/Rupiah Currencies Total Rupiah Currencies Total
Balance at the beginning Saldo awal tahun 248 - 248 127 - 127 of the year
Provision (reversal) of Pencadangan (pemulihan) allowance for impairment
tahun berjalan (124) - (124) 121 - 121 losses of financial assets
Balance at the end Saldo akhir tahun 124 - 124 248 - 248 of the year
2014 2013
Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai efek-efek pada tanggal 31 Desember 2014 dan 2013 adalah cukup untuk menutup kemungkinan kerugian yang akan timbul akibat tidak tertagihnya efek-efek.
Management believes that the allowance for impairment losses on securities as of December 31, 2014 and 2013 are adequate to cover the losses which might arise from uncollectible securities.
i. Tidak terdapat penghapusan efek-efek
selama tahun-tahun yang berakhir 31 Desember 2014 dan 2013.
i. There is no write-off of securities for the years ended December 31, 2014 and 2013.
8. Efek yang Dibeli dengan Janji Jual Kembali 8. Securities Purchased under Agreements to
Resell Pada tanggal 31 Desember 2013, efek-efek yang dibeli dengan janji jual kembali terdiri dari:
As of December 31, 2013, the securities purchased under agreements to resell consist of:
2013
Pendapatan bungaNilai yang belum Nilai
nominal/ direalisasi/ bersih/Jangka waktu/ Tanggal jatuh tempo/ Nominal Unearned Carrying
Jenis Term Due date value interest income value
Rupiah RupiahObligasi Pemerintah Government Bond
7 Januari 2014/
SPN12140507 7 hari/days January 7, 2014 139.348 136 139.212 SPN12140507
Type
Efek yang dibeli dengan janji jual kembali pada tanggal 31 Desember 2013 telah diselesaikan pada tanggal jatuh tempo.
Securities purchased under agreements to resell as of December 31, 2013 were settled at its maturity date.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 63 -
9. Kredit yang Diberikan 9. Loans
a. Jenis Kredit a. By Types of Loans
2014 2013
Pihak berelasi (Catatan 33) Related parties (Note 33)Rupiah Rupiah
Pinjaman tetap 100.000 101.490 Fixed loansPinjaman rekening koran 1.096 11.428 OverdraftPinjaman cicilan 504 5.957 Installment loansPinjaman konsumsi 1.032 2.490 Consumer loansPinjaman karyawan 1.513 1.734 Loans to employeesPiutang syariah - murabahah 2.498 104 Sharia receivable - murabahah
Jumlah 106.643 123.203 Total
Mata uang asing (Catatan 35) Foreign currency (Note 35)Pinjaman tetap 712.137 821.475 Fixed loans
Jumlah - pihak berelasi 818.780 944.678 Total - related parties
Pihak ketiga Third partiesRupiah Rupiah
Pinjaman konsumsi 3.071.647 3.075.899 Consumer loansPinjaman cicilan 3.135.231 2.363.118 Installment loansPinjaman tetap 2.528.943 2.015.169 Fixed loansPinjaman anjak piutang 796.872 739.818 FactoringPembiayaan mudharabah 780.549 451.003 Sharia receivables - mudharabahPiutang syariah - murabahah 682.894 543.669 Sharia receivables - murabahahPinjaman rekening koran 164.115 176.268 OverdraftPinjaman karyawan 41.431 36.762 Loans to employeesPinjaman investasi 428.988 33.000 Investment loansJumlah 11.630.670 9.434.706 Total
Mata uang asing (Catatan 35) Foreign currencies (Note 35)Pinjaman tetap 1.239.118 237.062 Fixed loansPinjaman cicilan 346.380 345.240 Installment loansPembiayaan mudharabah 260.085 - Sharia receivables - mudharabahPiutang syariah - murabahah 1.705 2.910 Sharia receivables - murabahahPinjaman Anjak Piutang 1.697 1.475 Factoring
Jumlah 1.848.985 586.687 Total
Jumlah - pihak ketiga 13.479.655 10.021.393 Total - third parties
Jumlah 14.298.435 10.966.071 Total
Cadangan kerugian penurunan nilai (75.078) (56.333) Allowance for impairment losses
Jumlah - bersih 14.223.357 10.909.738 Net
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 64 -
b. Sektor Ekonomi b. By Economic Sectors
2014 2013
Rupiah RupiahRumah tangga 3.301.612 2.775.058 HouseholdPerdagangan besar dan eceran 3.077.807 2.119.995 Wholesale and retailPerantara keuangan 1.535.804 843.114 Financial intermediaryReal estat, usaha persewaan, dan Real estate, leasing services
jasa perusahaan 720.787 1.014.499 and servicing companiesIndustri pengolahan 691.258 428.361 ManufacturingPertanian, perburuan dan kehutanan 602.949 264.077 Agriculture, hunting and forestryJasa kemasyarakatan, sosial budaya, hiburan Recreation and other
dan perorangan lainnya 552.437 419.045 individual servicesKonstruksi 485.484 253.483 Construction
Transportation, warehousing Transportasi, pergudangan, dan komunikasi 381.876 316.166 and communicationPertambangan dan penggalian 260.579 322.717 Mining and excavation Penyediaan akomodasi dan penyediaan Accomodation and food and
makan minum 77.469 51.816 baveragePerikanan 15.264 16.023 FisheryJasa kesehatan dan kegiatan sosial 813 881 Health and social servicesJasa perorangan yang melayani rumah tangga 229 120 Individual serve householdJasa pendidikan 43 234 Education servicesListrik, gas dan air 3 19.813 Electricity, gas and waterLain-lain 32.899 712.507 Others
Jumlah 11.737.313 9.557.909 Subtotal
Mata uang asing (Catatan 35) Foreign currencies (Note 35)Industri pengolahan 1.156.056 872.755 ManufacturingKonstruksi 350.301 2.910 ConstructionReal estat, usaha persewaan, dan Real estate, leasing services
jasa perusahaan 261.790 - and servicing companiesPertambangan dan penggalian 159.036 375.921 Mining and excavation Perdagangan besar dan eceran 62.495 73.254 Wholesale and retailJasa pendidikan 18.330 28.052 Education servicesPerantara keuangan 13.846 42.371 Financial intermediaryTransportasi, pergudangan, dan komunikasi 13.623 9.078 and communicationPertanian, perburuan dan kehutanan 528 3.315 Agriculture, hunting and forestryLain-lain 525.117 506 Others
Jumlah 2.561.122 1.408.162 Subtotal Jumlah 14.298.435 10.966.071 TotalCadangan kerugian penurunan nilai (75.078) (56.333) Allowance for impairment losses
Jumlah - bersih 14.223.357 10.909.738 Net
c. Jangka Waktu c. By Maturity
Jangka waktu kredit diklasifikasikan berdasarkan periode kredit sebagaimana yang tercantum dalam perjanjian kredit dan waktu yang tersisa sampai dengan saat jatuh temponya:
The classifications of loans based on contractual maturity, as stated in the loan agreements, and based on remaining maturity are as follows:
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 65 -
Berdasarkan Periode Perjanjian Kredit: Based on Contractual Maturity:
2014 2013
Rupiah RupiahKurang dari atau sama dengan 1 tahun 1.462.841 2.828.461 1 year or lessLebih dari 1 - 2 tahun 3.458.616 1.839.279 More than 1 year until 2 yearsLebih dari 2 - 5 tahun 4.776.541 2.493.712 More than 2 years until 5 yearsLebih dari 5 tahun 2.039.315 2.396.457 More than 5 yearsJumlah 11.737.313 9.557.909 Subtotal
Mata uang asing (Catatan 35) Foreign currencies (Note 35)Kurang dari atau sama dengan 1 tahun 304.928 977.120 1 year or lessLebih dari 1 - 2 tahun 1.276.461 81.581 More than 1 year until 2 yearsLebih dari 2 - 5 tahun 819.796 349.461 More than 2 years until 5 yearsLebih dari 5 tahun 159.937 - More than 5 yearsJumlah 2.561.122 1.408.162 Subtotal
Jumlah 14.298.435 10.966.071 TotalCadangan kerugian penurunan nilai (75.078) (56.333) Allowance for impairment losses
Jumlah - bersih 14.223.357 10.909.738 Net
Berdasarkan Sisa Umur Jatuh Tempo: Based on Remaining Period until Maturity:
2014 2013
Rupiah RupiahKurang dari atau sama dengan 1 tahun 5.090.720 3.812.123 1 year or lessLebih dari 1 - 2 tahun 1.933.103 1.851.242 More than 1 year until 2 yearsLebih dari 2 - 5 tahun 3.661.089 3.426.823 More than 2 years until 5 yearsLebih dari 5 tahun 1.052.401 467.721 More than 5 yearsJumlah 11.737.313 9.557.909 Subtotal
Mata uang asing (Catatan 35) Foreign currencies (Note 35)Kurang dari atau sama dengan 1 tahun 1.508.152 1.072.911 1 year or lessLebih dari 1 - 2 tahun 820.693 17.863 More than 1 year until 2 yearsLebih dari 2 - 5 tahun 125.758 317.388 More than 2 years until 5 yearsLebih dari 5 tahun 106.519 - More than 5 yearsJumlah 2.561.122 1.408.162 Subtotal
Jumlah 14.298.435 10.966.071 TotalCadangan kerugian penurunan nilai (75.078) (56.333) Allowance for impairment losses
Jumlah - bersih 14.223.357 10.909.738 Net
d. Suku bunga per tahun kredit diberikan
adalah sebagai berikut: d. Interest rates per annum on loans are as
follows:
2014 2013% %
Rupiah 6,00 - 57.76 6,00 - 24.31 RupiahDolar Singapura 6,00 6,00 Singapore DollarDolar Amerika Serikat 1,65 - 12,00 2,50 - 12,00 United States Dollar
e. Pada tanggal 31 Desember 2014 dan 2013, saldo kredit yang diberikan kepada pihak berelasi masing-masing sebesar Rp 812.173 dan Rp 929.492 dijamin oleh deposito berjangka (Catatan 18).
e. As of December 31, 2014, and 2013, loans to related parties amounting to Rp 812,173 and Rp 929,492, respectively, are secured with time deposits (Note 18).
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 66 -
f. Jumlah kredit yang dijamin dengan
jaminan tunai pada tanggal 31 Desember 2014 dan 2013 masing-masing sebesar Rp 1.183.582 dan Rp 1.112.574 (Catatan 18).
f. Loans collateralized by cash collateral as of December 31, 2014 and 2013 amounted to Rp 1,183,582 and Rp 1,112,574, respectively (Note 18).
g. Saldo kredit channeling pada tanggal
31 Desember 2014 dan 2013 masing-masing adalah sebesar Rp 3.021.082 dan Rp 3.323.881, dimana sebesar Rp 2.210.212 dan Rp 2.424.810 dari saldo kredit channelling disalurkan melalui pihak berelasi (Catatan 33).
g. As of December 31, 2014 and 2013, the outstanding balance of the Company’s loan channeling amounted to Rp 3,021,082 and Rp 3,323,881, respectively, in which Rp 2,210,212 and Rp 2,424,810, respectively, were disbursed through related parties (Note 33).
h. Kredit yang diberikan kepada karyawan
merupakan kredit untuk membeli kendaraan, rumah dan keperluan lainnya yang dibebani bunga 0% untuk kredit dibawah 1 tahun dan 6% untuk kredit antara 1 sampai dengan 10 tahun.
h. Loans to employees represent distributed loans for purchases of cars, houses and other necessities with special interest rate for loans term below 1 year and from 0% to 6% per annum for loan with terms ranging between 1 to 10 years.
i. Selama tahun 2014 dan 2013, jumlah kredit
yang direstrukturisasi masing-masing sebesar Rp 22.962 dan Rp 20.642.
i. During 2014 and 2013, total loans restructured amounted to Rp 22,962 and Rp 20,642, respectively.
j. Saldo kredit pada tanggal 31 Desember
2014 dan 2013 berdasarkan klasifikasi kolektibilitas yang ditetapkan oleh Bank Indonesia sebagai berikut:
j. The collectibility classification of loans as of December 31, 2014 and 2013 based on Bank Indonesia regulations is as follows:
DalamPerhatianKhusus/ Kurang
Lancar/ Special Lancar/ Diragukan/ Macet/ Jumlah/Jenis Current Mention Substandard Doubtful Loss Total Types of Loans
Rupiah RupiahPihak berelasi (Catatan 33) 106.636 - - - 7 106.643 Related parties (Note 33)Pihak ketiga 10.178.318 1.130.168 187.613 18.780 115.791 11.630.670 Third partiesJumlah 10.284.954 1.130.168 187.613 18.780 115.798 11.737.313 Subtotal
Mata uang asing (Catatan 35) Foreign currency (Note 35)Pihak berelasi (Catatan 33) 712.137 - - - - 712.137 Related parties (Note 33)Pihak ketiga 1.468.877 299.233 - - 80.875 1.848.985 Third partiesJumlah 2.181.014 299.233 - - 80.875 2.561.122 Subtotal
Jumlah 12.465.968 1.429.401 187.613 18.780 196.673 14.298.435 Total
2014
DalamPerhatianKhusus/ Kurang
Lancar/ Special Lancar/ Diragukan/ Macet/ Jumlah/Jenis Current Mention Substandard Doubtful Loss Total Types of Loans
Rupiah RupiahPihak berelasi (Catatan 33) 123.203 - - - - 123.203 Related parties (Note 33)Pihak ketiga 7.943.628 1.214.516 186.398 16.873 73.291 9.434.706 Third partiesJumlah 8.066.831 1.214.516 186.398 16.873 73.291 9.557.909 Subtotal
Mata uang asing (Catatan 35) Foreign currency (Note 35)Pihak berelasi (Catatan 33) 821.475 - - - - 821.475 Related parties (Note 33)Pihak ketiga 586.687 - - - - 586.687 Third partiesJumlah 1.408.162 - - - - 1.408.162 Subtotal
Jumlah 9.474.993 1.214.516 186.398 16.873 73.291 10.966.071 Total
2013
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 67 -
k. Pada tanggal 31 Desember 2014 dan
2013, rincian kredit bermasalah menurut sektor ekonomi sesuai ketentuan Bank Indonesia adalah sebagai berikut:
k. The details of non-performing loans as of December 31, 2014 and 2013, based on economic sectors according to Bank Indonesia regulation are as follows:
2014 2013
Rupiah RupiahRumah tangga 63.148 43.694 HouseholdPertambangan dan penggalian 40.541 56.316 Mining and excavationPerdagangan besar dan eceran 32.746 7.261 Wholesale and retailPerantara keuangan 23.768 16.503 Financial intermediciaryIndustri pengolahan 46.540 5.922 ManufacturingJasa kesehatan dan kegiatan sosial 813 - Health and social servicesReal estate, usaha persewaan, dan Real estate, leasing services and
jasa perusahaan 668 30.078 servicing companyJasa kemasyarakatan, sosial budaya, Services in social, art, culture, recreation
hiburan, dan perorangan lainnya 90 1.833 and other individual servicesTransportasi, pergudangan Transportation, warehousing and
dan komunikasi 110.194 89.723 communicationKonstruksi - 7.920 Constructionlain-lain 3.683 17.312 OthersJumlah 322.191 276.562 Total
Mata uang asing Foreign currencies Pertambangan dan penggalian 80.875 - Mining and excavation
Jumlah 403.066 276.562 Total
l. Pada tanggal 31 Desember 2014 dan
2013, tidak terdapat penyediaan dana kepada pihak berelasi dan pihak ketiga yang melampaui Batas Maksimum Pemberian Kredit (BMPK).
l. As of December 31, 2014 and 2013, there is no loan granted to related and third parties which has exceeded the Company’s Legal Lending Limit (LLL).
m. Pada tanggal 31 Desember 2014 dan
2013, kredit non-performing yang telah dihentikan pembebanan bunganya masing-masing adalah sebesar Rp 403.066 dan Rp 276.562.
m. Interest not accrued on non-performing loans amounted to Rp 403,066 and Rp 276,562 as of December 31, 2014 and 2013, respectively.
n. Mutasi cadangan kerugian penurunan nilai
kredit adalah sebagai berikut: n. The changes in allowance for possible
losses on loans are as follows:
Mata Uang Mata Uang Asing/ Asing/
Rupiah/ Foreign Jumlah/ Rupiah/ Foreign Jumlah/Rupiah Currency Total Rupiah Currency Total
Balance at the beginning Saldo awal of the year
Individual 19.724 - 19.724 25.556 18.311 43.867 IndividualKolektif 36.608 1 36.609 48.380 1 48.381 Collective
Pencadangan (pemulihan) tahun Provision (reversal) berjalan during the year
Individual (1.012) 6.450 5.438 (5.832) (18.311) (24.143) IndividualKolektif 20.516 2.618 23.134 (1.987) - (1.987) Collective
Penerimaan kembali kredit hapus buku RecoveryIndividual - - - - - IndividualKolektif 7.507 - 7.507 448 - 448 Collective
Penghapusan (17.334) - (17.334) (10.233) - (10.233) Write-off
Saldo akhir 66.009 9.069 75.078 56.332 1 56.333 Balance at the end of the year
20132014
Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai untuk kredit yang diberikan adalah cukup untuk menutup kemungkinan kerugian yang akan timbul akibat tidak tertagihnya kredit yang diberikan tersebut.
Management believes that the allowance for impairment losses on loans is adequate to cover the losses which might arise from uncollectible loans.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 68 -
o. Mutasi kredit yang dihapus buku selama
tahun 2014 dan 2013 adalah sebagai berikut:
o. The movement of loans written-off for 2014 and 2013 are as follows:
Mata Uang Mata UangAsing/ Asing/
Rupiah/ Foreign Jumlah/ Rupiah/ Foreign Jumlah/Rupiah Currency Total Rupiah Currency Total
Beginning balance at theSaldo awal tahun 25.590 66.396 91.986 15.813 52.679 68.492 beginning yearMutasi selama tahun berjalan Movement during the year
Penghapusan 17.334 - 17.334 10.233 - 10.233 Write-offPenerimaan kembali (7.507) - (7.507) (448) - (448) RecoveryHapus tagih (19) - (19) (8) - (8) Deleted notesSelisih kurs penjabaran - 3.018 3.018 - 13.717 13.717 Exchange rate difference
Saldo akhir 35.398 69.414 104.812 25.590 66.396 91.986 Balance at the end of the yea
20132014
p. Jaminan pemberian kredit umumnya
berupa tanah, bangunan, mesin, persediaan dan deposito berjangka.
p. Loan collaterals are generally in the form of land, buildings, machinery, inventories and time deposits.
q. Rasio kredit usaha kecil terhadap jumlah
kredit yang diberikan pada tanggal 31 Desember 2014 dan 2013 adalah masing-masing sebesar 3,56% dan 2,50%.
q. The ratio of small business loans to total loans at December 31, 2014 and 2013 are 3.56% and 2.50%, respectively.
r. Pada tanggal 31 Desember 2014 dan 2013
Rasio Non-Performing Loan (NPL) Perusahaan (secara bruto) adalah masing-masing sebesar 3,00% dan 2,50%, sedangkan secara neto adalah masing-masing sebesar 2,56% dan 2,12%.
r. As of December 31, 2014 and 2013, The ratio of Non-Performing Loans (NPL) (at gross) to total loans are 3.00% and 2.50%, respectively while the ratio at net NPL to loans is 2.56% and 2.12%, respectively.
s. Pada tanggal 31 Desember 2014 dan
2013, rasio kredit bermasalah terhadap jumlah aset keuangan adalah masing–masing sebesar 2,25% dan 1,81%.
s. As of December 31, 2014 and 2013 the ratio of non-performing loans to total financial assets is 2.25% and 1.81%, respectively.
t. Pada tanggal 31 Desember 2014 dan
2013, rasio cadangan kerugian penurunan nilai kredit yang telah dibentuk terhadap kredit yang diberikan adalah masing–masing sebesar 0,53% dan 0,51%.
t. As of December 31, 2014 and 2013, the ratio of recorded allowance for impairment losses of loans compared to the loans is 0.53% and 0.51%, respectively.
10. Tagihan dan Liabilitas Akseptasi 10. Acceptance Receivables and Payables
a. Berdasarkan jangka waktu perjanjian: a. By term of agreements:
2014 2013
Rupiah Rupiah1 bulan atau kurang - - 1 month or less1-3 bulan 3.240 - More than 1 month until 3 months3-6 bulan 21.685 - More than 3 months until 6 monthslebih dari 6 bulan 12.090 - More than 6 months Jumlah 37.015 - Total
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 69 -
2014 2013
Mata Uang Asing (Catatan 35) Foreign currency (Note 35)1 bulan atau kurang - - 1 month or less1-3 bulan 11.167 16.223 More than 1 month until 3 months3-6 bulan 19.654 25.322 More than 3 months until 6 monthslebih dari 6 bulan - 196.779 More than 6 months Jumlah 30.821 238.324 Total
Jumlah 67.836 238.324 Total
b. Berdasarkan sisa umur sampai dengan saat jatuh tempo:
b. Based on remaining maturity:
2014 2013
Rupiah Rupiah1 bulan atau kurang 13.071 - 1 month or less1-3 bulan 20.893 - More than 1 month until 3 months3-6 bulan 3.051 - More than 3 months until 6 monthsJumlah 37.015 - Total
Mata Uang Asing (Catatan 35) Foreign currency (Note 35)1 bulan atau kurang 11.880 17.801 1 month or less1-3 bulan 15.076 23.744 More than 1 month until 3 months3-6 bulan 3.865 2.059 More than 3 months until 6 months6-12 bulan - 194.720 More than 6 months until 12 monthsJumlah 30.821 238.324 Total
Jumlah 67.836 238.324 Total
Pada tanggal 31 Desember 2014 dan 2013, seluruh tagihan akseptasi digolongkan sebagai lancar.
As of December 31, 2014 and 2013, all acceptance receivables are classified as current.
Manajemen berpendapat bahwa tidak terdapat penurunan nilai atas tagihan akseptasi sehingga tidak diperlukan cadangan kerugian penurunan nilai.
Management believes that there is no impaired acceptance receivable, therefore no alowance for impairment losses is provided for.
11. Penyertaan Modal Sementara 11. Temporary Investment Perusahaan dan pemegang saham PT Teknology Energy Terpadu (TET), debitur Perusahaan, menandatangani Perjanjian Jual Beli Saham yang didokumentasikan dalam Akta No. 24 dan 26 tanggal 7 November 2014 dari Yulia S.H., notaris di Jakarta, untuk 600 lembar saham (100%) PT Artha Pilar Perkasa (APP) yang dimiliki oleh pemegang saham TET dan bergerak di bidang perdagangan, jasa, pembangunan dan industri. Penjualan tersebut dilakukan sehubungan dengan restrukturisasi tagihan Perusahaan kepada TET. Penjualan saham tersebut telah mendapat persetujuan dalam Rapat Umum Luar Biasa Pemegang Saham APP pada tanggal 28 Februari 2015.
The Company and the shareholders of PT Teknology Energy Terpadu (TET) , a debtor of the Company, signed a Sale and Purchase Agreement which is documented in Notarial Deeds No. 24 and 26 dated November 7, 2014 of Yulia S.H., public notary in Jakarta, in relation to sale of 600 shares (100%) of PT Artha Pilar Perkasa (APP) engaging in trading, service, constructing and industry business which are owned by the shareholders of TET. The aforementioned sale is in relation to the restructuring of the Company’s receivables from TET. The said sale of shares has been approved in Extraordinary Stockholders’ Meeting of APP which was held on February 28, 2015.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 70 -
Perusahaan membukukan pembelian saham APP tersebut sebagai Penyertaan Modal Sementara. Dengan mengacu pada Peraturan Bank Indonesia No. 15/11/PBI/2013 tentang Prinsip Kehati-hatian dalam Kegiatan Penyertaan Modal, Perusahaan tidak mengkonsolidasikan penyertaan modal sementara tersebut dalam laporan keuangan Perusahaan, karena penyertaan tersebut bersifat sementara dan memiliki bidang usaha yang berbeda dengan Perusahaan.
The Company recognized the purchase of APP’s shares as Temporary Investment. In accordance with Bank Indonesia Regulation No. 15/11/PBI/2013 on the Precautionary Principle Capital Investment Activity, the Company did not consolidate the financial statements of APP with the Company’s financial statements, because the investment is temporary and has a different type of business with the Company.
Penyertaan modal sementara pada APP tersebut akan dilepaskan melalui penjualan. Manajemen berkeyakinan bahwa penyertaan modal sementara tersebut dapat dijual dalam waktu dekat.
This temporary investment in APP will be disposed through sale. Management believes that this temporary investment can be sold in the near future.
12. Pendapatan Bunga Akrual 12. Interest Receivable
2014 2013
Bunga atas: Interest from:Kredit 65.249 53.378 LoansEfek-efek 18.046 19.313 SecuritiesPenempatan pada bank lain 134 570 Placements with other banks
Jumlah 83.429 73.261 Total
Pendapatan bunga akrual dari pihak berelasi pada tanggal 31 Desember 2014 dan 2013 masing-masing adalah sebesar Rp 404 dan Rp 482 (Catatan 33).
Interest receivable from related parties amounted to Rp 404 and Rp 482 as of December 31, 2014 and 2013, respectively (Note 33).
13. Biaya Dibayar Dimuka 13. Prepaid Expenses
2014 2013
Promosi dan pengembangan usaha 184.090 107.195 Promotion and operating developmentRenovasi cabang baru 84.872 90.903 New branches renovation costsPemeliharaan perangkat lunak & keras 44.929 19.975 Software & hardware maintenanceSewa 27.959 30.374 RentalAsuransi 11.417 7.795 InsuranceLain-lain 1.872 8.980 Others
Jumlah 355.139 265.222 Total
Pada tanggal 31 Desember 2014 dan 2013, biaya dibayar dimuka yang dibayarkan kepada pihak berelasi masing-masing sebesar Rp 21.956 dan Rp 33.997 (Catatan 33).
As of December 31, 2014 and 2013, prepaid expenses to related parties amounted to Rp 21,956 and Rp 33,997, respectively (Note 33).
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 71 -
14. Aset Tetap 14. Premises and Equipment
1 Januari 2014/ Penambahan/ Pengurangan/ 31 Desember 2014/January 1, 2014 Additions Deductions December 31, 2014
Biaya perolehan: Cost:Tanah 80.290 109 - 80.399 LandBangunan 135.736 810 - 136.546 BuildingsInventaris kantor 500.065 98.494 (65) 598.494 Office equipmentKendaraan bermotor 23.417 5.655 (211) 28.861 Vehicles
Jumlah 739.508 105.068 (276) 844.300 Total
Akumulasi penyusutan: Accumulated depreciation:Bangunan 23.632 6.795 - 30.427 BuildingsInventaris kantor 154.745 54.716 (42) 209.419 Office equipmentKendaraan bermotor 16.691 3.841 (136) 20.396 Vehicles
Jumlah 195.068 65.352 (178) 260.242 Total
Nilai Tercatat 544.440 584.058 Net Book Value
Changes during the yearPerubahan selama tahun berjalan/
1 Januari 2013/ Penambahan/ Pengurangan/ 31 Desember 2013/January 1, 2013 Additions Deductions December 31, 2013
Biaya perolehan: Cost:Tanah 71.815 10.332 (1.857) 80.290 LandBangunan 130.677 5.059 - 135.736 BuildingsInventaris kantor 411.047 89.031 (13) 500.065 Office equipmentKendaraan bermotor 20.832 2.585 - 23.417 Vehicles
Jumlah 634.371 107.007 (1.870) 739.508 Total
Akumulasi penyusutan: Accumulated depreciation:Bangunan 17.098 6.534 - 23.632 BuildingsInventaris kantor 108.979 45.773 (7) 154.745 Office equipmentKendaraan bermotor 14.184 2.507 - 16.691 Vehicles
Jumlah 140.261 54.814 (7) 195.068 Total
Nilai Tercatat 494.110 544.440 Net Book Value
Changes during the yearPerubahan selama tahun berjalan/
Jumlah beban penyusutan yang dibebankan pada laporan laba rugi komprehensif pada tahun 2014 dan 2013 masing-masing sebesar Rp 65.352 dan Rp 54.814.
Depreciation expense charged to operations amounted to Rp 65,352 and Rp 54,814 in 2014 and 2013, respectively.
Perusahaan memiliki beberapa bidang tanah dengan hak legal berupa Hak Guna Bangunan yang berjangka waktu antara 9 (sembilan) sampai dengan 41 (empat puluh satu) tahun yang jatuh tempo antara tahun 2014 dan 2042. Manajemen berpendapat bahwa tidak terdapat masalah dengan perpanjangan hak atas tanah karena seluruh tanah diperoleh secara sah dan didukung dengan bukti pemilikan yang memadai.
The Company owns several parcels of land, with legal rights in the Form of Proprietary Rights (Hak Milik) and Building Use Rights (Hak Guna Bagunan or HGB), and with terms between 9 (nine) to 41 (fourty one) years to mature between 2014 and 2042. Management believes that these landrights can be extended without difficulty since all the parcels of land were acquired legally and supported by sufficient evidence of ownership.
Pada tahun 2014 dan 2013, Perusahaan menjual aset tetapnya dengan nilai tercatat masing-masing sebesar Rp 20 dan Rp 1.863 pada harga jual masing-masing sebesar Rp 4 dan Rp 1.965. Keuntungan (kerugian) bersih penjualan aset tetap tersebut dibukukan pada akun Pendapatan (Beban) Operasional Lainnya (Catatan 29 dan 30).
In 2014 and 2013, the Company sold its premises and equipment with a net book value of Rp 20 and Rp 1,863, respectively, for Rp 4 and Rp 1,965, respectively. The related gain on sale of premises and equipment is recognized in Other Operating Revenue (Expense) (Notes 29 and 30).
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 72 -
Pada tahun 2014, terdapat penghapusan aset tetap dengan nilai tercatat Rp 78. Perusahaan mendapatkan penggantian dari asuransi sebesar Rp 113.
In 2014, there is write-off of fixed assets with a net book value of Rp 78. The Company received insurance claim amounted to Rp 113.
Aset tetap Perusahaan, kecuali tanah, dengan nilai perolehan sebesar Rp 763.901 dan Rp 659.218 pada tanggal 31 Desember 2014 dan 2013 diasuransikan terhadap risiko kebakaran, gempa bumi, huru-hara, pencurian dan risiko lainnya pada PT Asuransi Sinar Mas, pihak berelasi, dengan nilai pertanggungan masing-masing sebesar Rp 685.838 dan Rp 657.697 (Catatan 33). Manajemen berpendapat bahwa nilai pertanggungan tersebut cukup untuk menutup kemungkinan kerugian atas aset yang dipertanggungkan.
As of December 31, 2014 and 2013, premises and equipment, except for land, with cost amounted to Rp 763,901 and Rp 659,218, respectively, are insured against risk of fire, earthquake, and other possible losses with PT Asuransi Sinar Mas, a related party, with insurance coverage of Rp 685,838 and Rp 657,697, respectively (Note 33). Management believes that the insurance coverages are adequate to cover possible losses on the assets insured.
Pada tanggal 31 Desember 2014 dan 2013, tidak ada aset tetap Perusahaan yang ditempatkan sebagai jaminan.
As of December 31, 2014 and 2013, there are no premises and equipment pledged as collateral.
Nilai wajar tanah dan bangunan pada tanggal 31 Desember 2014 dan 2013 adalah masing-masing sebesar Rp 257.832 dan Rp 215.141.
The fair value of the land and buildings as of December 31, 2014 and 2013 amounted to Rp 257,832 and Rp 215,141, respectively.
Manajemen berpendapat bahwa tidak terdapat penurunan nilai atas aset tetap tersebut pada tanggal 31 Desember 2014 dan 2013.
Management believes that there is no impairment in value of the aforementioned assets as of December 31, 2014 and 2013.
15. Aset Ijarah 15. Ijarah Assets
Pada tanggal 31 Desember 2014 dan 2013, akun ini merupakan obyek sewa dari transaksi Ijarah Muntahiyah Bittamlik dengan opsi perpindahan hak milik obyek sewa dengan hibah.
As of December 31, 2014 and 2013, these assets represent objects of the Ijarah lease transactions with an option to transfer the Muntahiyah Bittamlik object property being leased by the grant.
Pengalihan padaakhir masa akad/Transfer to the
1 Januari 2014/ Penambahan/ lessee at end 31 Desember 2014/January 1, 2014 Additions of contract December 31, 2014
Biaya perolehan: Cost:Kendaraan bermotor 30.400 3.636 (20.472) 13.564 VehiclesAlat-alat berat 4.227 - (1.227) 3.000 Heavy equipmentMesin 2.354 4.174 (278) 6.250 MachineAset Multijasa 14.565 109 (8.936) 5.738 Multiservices assetsSHM 16.895 4.000 (15.298) 5.597 Freehold TitleRumah - 900 (900) - HousesRumah kantor - 200 (200) - Home officeLain-lain 57.574 117.026 (35.016) 139.584 Others
Jumlah 126.015 130.045 (82.327) 173.733 Total
Perubahan selama tahun berjalan/Changes during the year
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 73 -
Pengalihan padaakhir masa akad/Transfer to the
1 Januari 2014/ Penambahan/ lessee at end 31 Desember 2014/January 1, 2014 Additions of contract December 31, 2014
Akumulasi penyusutan: Accumulated depreciation:Kendaraan bermotor 7.729 2.219 (6.012) 3.936 VehiclesAlat-alat berat 4.503 463 (3.114) 1.852 Heavy equipmentMesin 1.660 2.978 (278) 4.360 MachineAset Multijasa 1.242 2.944 (2.639) 1.547 Multiservices assetsSHM 2.794 1.759 (4.120) 433 Freehold TitleLain-lain 3.531 129.270 (66.164) 66.637 Others
Jumlah 21.459 139.633 (82.327) 78.765 Total
Cadangan kerugian Allowance for impairmentpenurunan nilai - 10.788 10.788 losses
Nilai Tercatat 104.556 84.180 Net Book Value
Perubahan selama tahun berjalan/Changes during the year
Pengalihan padaakhir masa akad/Transfer to the
1 Januari 2013/ Penambahan/ lessee at end 31 Desember 2013/January 1, 2013 Additions of contract December 31, 2013
Biaya perolehan: Cost:Kendaraan bermotor 19.227 18.838 (7.665) 30.400 VehiclesAlat-alat berat 18.000 1.227 (15.000) 4.227 Heavy equipmentMesin 6.552 - (4.198) 2.354 MachinePiranti lunak - - - - SoftwareAset Multijasa 14.565 - - 14.565 Multiservices assetsElektronik 11 - (11) - ElectronicSHM 16.830 177 (112) 16.895 Freehold TitleSepeda 3 - (3) - BicycleDokumen - 64 (64) - DocumentRumah 3 - (3) - HousesLain-lain - 61.734 (4.160) 57.574 Others
Jumlah 75.191 82.040 (31.216) 126.015 Total
Akumulasi penyusutan: Accumulated depreciation:Kendaraan bermotor 14.370 1.024 (7.665) 7.729 VehiclesAlat-alat berat 9.654 9.849 (15.000) 4.503 Heavy equipmentMesin 1.917 3.941 (4.198) 1.660 MachineAset multijasa 1.242 - - 1.242 Multiservices assetsElektronik 6 5 (11) - ElectronicSHM 1.487 1.419 (112) 2.794 Freehold TitleSepeda 1 2 (3) - BicycleDokumen - 64 (64) - DocumentRumah 1 2 (3) - HousesLain-lain - 7.691 (4.160) 3.531 Others
Jumlah 28.678 23.997 (31.216) 21.459 Total
Nilai Tercatat 46.513 104.556 Net Book Value
Perubahan selama tahun berjalan/Changes during the year
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 74 -
16. Aset Lain-lain – Bersih 16. Other Assets - Net
Uang muka pembelian aset 66.444 41.846 Advances for purchase of assetsAgunan yang diambil-alih 51.777 21.846 Foreclosed assetsBarang cetakan dan materai 34.052 31.697 Printing materials and stamp dutyUang muka renovasi gedung kantor 33.326 32.471 Advances for building renovationSetoran jaminan 20.561 18.409 Security depositsTagihan sehubungan dengan ATM
bersama 9.168 7.098 Receivables related to ATM bersamaTagihan sehubungan dengan jaringan
principal 8.688 - Receivables related to principal networkTagihan komisi asuransi 2.000 29.500 Insurance commission receivablesTagihan sehubungan dengan penyelesaian Claims in connection with the settlement
Bank Indover 754 1.101 of Indover BankBiaya promosi dibayar dimuka - 10.371 Prepaid promotion expenseTagihan komisi reksadana - 10.000 Mutual funds commission receivablesUang muka pengembangan sumber daya Advances due to human resources
manusia - 5.170 developmentTagihan derivatif - 28 Derivative receivable Uang muka dinas karyawan - 28 Advances to employees Lain-lain 26.023 13.275 Others
Jumlah 252.793 222.840 Subtotal
Cadangan kerugian penurunan nilai Allowance for impairment losses aset lain-lain (807) (1.151) other assets
Jumlah - bersih 251.986 221.689 Net
Pada tanggal 31 Desember 2014 dan 2013, nilai tercatat agunan yang diambil-alih adalah sebesar Rp 51.724 dan Rp 21.796 setelah dikurangi dengan cadangan kerugian penurunan nilai masing-masing sebesar Rp 53 dan Rp 50.
As of December 31, 2014 and 2013, the carrying value of foreclosed properties are Rp 51,724 and Rp 21,796, respectively, after allowance for impairment losses amounting to Rp 53 and Rp 50.
Pada tahun 2013, Perusahaan menjual aset tetap yang tidak digunakan dengan nilai tercatat sebesar nihil pada harga jual sebesar Rp 66. Keuntungan bersih penjualan aset tetap yang tidak digunakan tersebut dibukukan pada akun Pendapatan Operasional Lainnya (Catatan 29).
In 2013, the Company sold its unused premises and equipment with a net book value of nil for Rp 66. The related gain on sale of unused premises and equipment is recognized in Other Operating Income (Note 29).
Pada tanggal 31 Desember 2014 dan 2013, tagihan sehubungan dengan Bank Indover adalah masing-masing sebesar ekuivalen Rp 754 dan Rp 1.101 yang telah dibentuk cadangan kerugian penurunan nilai oleh Perusahaan.
As of December 31, 2014 and 2013, receivables from Bank Indover is equivalent to Rp 754 and Rp 1,101, respectively, which had been provided for with an allowance for impairment losses.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 75 -
Berikut adalah rincian agunan yang diambil alih berdasarkan kolektibilitasnya sesuai ketentuan Bank Indonesia:
The classification of foreclosed assets subject to Bank Indonesia regulation is as follows:
2014 2013
Lancar 39.143 12.911 CurrentKurang lancar 12.585 8.885 SubstandardMacet 49 50 Loss
Jumlah 51.777 21.846 Total
Mutasi cadangan kerugian penurunan nilai aset lain – lain adalah sebagai berikut:
Movements in allowance for impairment losses other assets are as follows:
2014 2013
Saldo awal 1.151 1.017 Beginning balancePemulihan (231) (130) ReversalSelisih kurs penjabaran (113) 264 Loss/(gain) on foreign exchange
Saldo akhir 807 1.151 Ending balance
Aset lain-lain kepada pihak berelasi pada tanggal 31 Desember 2014 dan 2013 adalah masing-masing sebesar Rp 18.416 dan Rp 52.352 (Catatan 33).
Other assets with a related party at December 31, 2014 and 2013 amounted to Rp 18,416 and Rp 52,352, respectively (Note 33).
Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai untuk aset lain-lain adalah cukup untuk menutup kemungkinan kerugian yang akan timbul akibat tidak tertagihnya aset tersebut.
Management believes that the allowance of impairments losses for other assets is adequate to cover possible losses that will arise from these assets.
17. Liabilitas Segera 17. Liabilities Immediately Payable
2014 2013
Transfer checks for collection Kiriman uang 80.648 191.864 and clearingLiabilitas sehubungan dengan
ATM bersama 27.448 21.461 Payable related to ATM bersamaLiabilitas administrasi kredit 9.009 7.209 Loans administration payableBeban akrual 9.082 5.482 Accrued expensesLiabilitas pada perusahaan asuransi 5.004 3.510 Payable to insurance companiesLiabilitas setoran Jamsostek 1.147 897 Jamsostek liabilitiesLain-lain 5.519 5.649 Others
Jumlah 137.857 236.072 Total
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 76 -
Liabilitas segera lainnya kepada pihak berelasi pada tanggal 31 Desember 2014 dan 2013 adalah masing-masing sebesar Rp 7.692 dan Rp 619 (Catatan 33).
Liabilities immediately payable to a related party are equivalent to Rp 7,692 and Rp 619 as of December 31, 2014 and 2013, respectively (Note 33).
18. Simpanan 18. Deposits Simpanan terdiri dari: Deposits consist of the following:
2014 2013
Giro 3.189.731 3.772.352 Demand depositsTabungan 5.247.615 5.236.420 Savings depositsDeposito berjangka 8.508.885 4.810.289 Time deposits
Jumlah 16.946.231 13.819.061 Total
a. Giro terdiri atas: a. Demand deposits consist of:
2014 2013
Konvensional ConventionalPihak berelasi (Catatan 33) Related parties (Note 33)
Rupiah 359.392 546.685 RupiahMata uang asing (Catatan 35) 297.051 855.353 Foreign currencies (Note 35)Jumlah 656.443 1.402.038 Subtotal
Pihak ketiga Third partiesRupiah 1.512.171 1.311.234 RupiahMata uang asing (Catatan 35) 969.176 1.014.893 Foreign currencies (Note 35)Jumlah 2.481.347 2.326.127 Subtotal
Jumlah 3.137.790 3.728.165 Total
Syariah ShariaPihak berelasi (Catatan 33) Related parties (Note 33)
Rupiah RupiahGiro Mudharabah 24.413 15.217 Current accounts - MudharabahGiro Wadiah 465 139 Current accounts - Wadiah
Jumlah 24.878 15.356 Subtotal
Mata uang asing (Catatan 35) Foreign currencies (Note 35)Giro Wadiah 1.457 4.036 Current accounts - Wadiah
Jumlah 1.457 4.036 Subtotal
Jumlah 26.335 19.392 Total
Pihak ketiga Third partiesRupiah Rupiah
Giro Mudharabah 19.783 18.689 Current accounts - MudharabahGiro Wadiah 4.907 6.026 Current accounts - WadiahJumlah 24.690 24.715 Subtotal
Mata uang asing (Catatan 35) Foreign currencies (Note 35)Giro Wadiah 916 80 Current accounts - Wadiah
Jumlah 916 80 Subtotal
Jumlah 25.606 24.795 Total
Jumlah 51.941 44.187 Total
Jumlah 3.189.731 3.772.352 Total
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 77 -
2014 2013
% %Interest rates per annum on
Suku bunga giro per tahun demand depositsRupiah 0,00 - 7,00 0,00 - 6,50 RupiahMata uang asing 0,00 - 2,50 0,00 - 2,50 Foreign currencies
Saldo giro yang diblokir dalam rangka jaminan kredit yang diberikan, bank garansi dan letter of credit pada tanggal 31 Desember 2014 dan 2013 masing-masing adalah sebesar Rp 91.898 dan Rp 19.683 (Catatan 9 dan 34).
Current accounts blocked to guarantee loans, bank guarantee and letters of credit at December 31, 2014 and 2013 amounted to Rp 91,898 and Rp 19,683, respectively (Notes 9 and 34).
b. Tabungan terdiri atas: b. Savings deposit consists of:
2014 2013
Konvensional ConventionalRupiah Rupiah
Pihak berelasi (Catatan 33) Related parties (Note 33)Tabungan Sinarmas 8.229 14.137 Sinarmas SavingTabungan Sinarmas Gold 6.406 9.250 Sinarmas gold SavingTabunganku 104 181 Tabunganku
Jumlah 14.739 23.568 Subtotal
Pihak ketiga Third partiesTabungan Sinarmas 2.389.491 3.313.800 Sinarmas SavingTabungan Sinarmas Gold 2.352.089 1.600.950 Sinarmas gold SavingTabunganku 354.381 248.651 Tabunganku
Jumlah 5.095.961 5.163.401 Subtotal
Jumlah 5.110.700 5.186.969 Total
Syariah ShariaRupiah Rupiah
Pihak berelasi (Catatan 33) Related parties (Note 33)Tabungan Wadiah 22 20 Wadiah SavingTabungan Mudharabah 714 780 Mudharabah Saving
Jumlah 736 800 Subtotal
Pihak ketiga Third partiesTabungan Wadiah 56.602 9.665 Wadiah SavingTabungan Mudharabah 79.577 38.986 Mudharabah Saving
Jumlah 136.179 48.651 Subtotal
Jumlah 136.915 49.451 Total
Jumlah 5.247.615 5.236.420 Total
2014 2013
% %
Interest rates per annum on Suku bunga tabungan per tahun savings deposits
Rupiah 0,00 - 6,00 0,00 - 5,52 Rupiah
Pada tanggal 31 Desember 2014 dan 2013, tidak terdapat saldo tabungan yang diblokir dalam rangka jaminan kredit.
As of December 31, 2014 and 2013, there is no savings deposit blocked to guarantee the loans.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 78 -
c. Deposito berjangka terdiri atas: c. Time deposits consist of:
2014 2013
Konvensional ConventionalPihak berelasi (Catatan 33) Related parties (Note 33)
Rupiah 1.042.873 468.535 RupiahMata uang asing (Catatan 35) 1.082.885 1.133.806 Foreign currencies (Note 35)Jumlah 2.125.758 1.602.341 Subtotal
Pihak ketiga Third partiesRupiah 4.094.695 2.201.473 RupiahMata uang asing (Catatan 35) 1.045.451 472.530 Foreign currencies (Note 35)Jumlah 5.140.146 2.674.003 Subtotal
Jumlah 7.265.904 4.276.344 Total
Syariah ShariaDeposito Mudharabah Mudharabah (sharia) time deposits
Pihak berelasi (Catatan 33) Related parties (Note 33)Rupiah 239.852 250.924 Rupiah
Pihak ketiga Third partiesRupiah 743.044 283.021 RupiahMata uang asing (Catatan 35) 260.085 - Foreign currencies (Note 35)
Jumlah 1.242.981 533.945 Total
Jumlah 8.508.885 4.810.289 Total
Klasifikasi deposito berjangka berdasarkan jangka waktu adalah sebagai berikut:
The details of time deposits based on maturities are as follows:
Berdasarkan periode deposito berjangka: Based on Contractual Maturity:
Pihak berelasi Pihak berelasi(Catatan 33)/ Pihak (Catatan 33)/ Pihak
Related ketiga/ Related ketiga/parties Third Jumlah/ parties Third Jumlah/
(Note 33) parties Total (Note 33) parties Total
Rupiah RupiahKurang dari 1 bulan 665.362 125.780 791.142 169.696 26.199 195.895 Less than 1 month1 bulan 412.203 2.171.663 2.583.866 423.564 1.576.376 1.999.940 1 month 3 bulan 16.185 1.583.925 1.600.110 5.717 349.909 355.626 3 months6 bulan 20.215 618.886 639.101 2.022 164.700 166.722 6 months12 bulan 168.760 337.485 506.245 118.460 367.310 485.770 12 months
Jumlah 1.282.725 4.837.739 6.120.464 719.459 2.484.494 3.203.953 Subtotal
Mata uang asing Foreign currencies (Catatan 35) (Note 35)Kurang dari 1 bulan 282.019 40.809 322.828 27.018 17.134 44.152 Less than 1 month1 bulan 67.432 1.091.539 1.158.971 145.791 141.275 287.066 1 month 3 bulan 11.934 91.669 103.603 133.426 42.926 176.352 3 months6 bulan 500 8.227 8.727 487 246.008 246.495 6 months12 bulan 721.000 73.292 794.292 827.084 25.187 852.271 12 months
Jumlah 1.082.885 1.305.536 2.388.421 1.133.806 472.530 1.606.336 Subtotal
Jumlah 2.365.610 6.143.275 8.508.885 1.853.265 2.957.024 4.810.289 Total
20132014
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 79 -
Berdasarkan sisa umur sampai dengan saat jatuh tempo:
Based on Remaining Maturity:
Pihak berelasi Pihak berelasi(Catatan 33)/ Pihak (Catatan 33)/ Pihak
Related ketiga/ Related ketiga/parties Third Jumlah/ parties Third Jumlah/
(Note 33) parties Total (Note 33) parties Total
Rupiah Rupiah1 bulan atau kurang 1.084.918 3.024.885 4.109.803 595.486 1.684.314 2.279.800 1 month or less1 - 3 bulan 18.114 1.095.994 1.114.108 4.282 401.658 405.940 More than 1 month until 3 months3 - 6 bulan 20.433 551.821 572.254 1.431 253.338 254.769 More than 3 months until 6 months6 - 12 bulan 159.260 165.039 324.299 118.260 145.184 263.444 More than 6 months until 12 monthsJumlah 1.282.725 4.837.739 6.120.464 719.459 2.484.494 3.203.953 Subtotal
Mata uang asing Foreign currencies(Catatan 35) (Note 35)1 bulan atau kurang 349.451 882.393 1.231.844 294.509 176.470 470.979 1 month or less1 - 3 bulan 160.684 364.838 525.522 218.677 43.115 261.792 More than 1 month until 3 months3 - 6 bulan 467.478 10.005 477.483 517.175 244.711 761.886 More than 3 months until 6 months6 - 12 bulan 105.272 48.300 153.572 103.445 8.234 111.679 More than 6 months until 12 monthsJumlah 1.082.885 1.305.536 2.388.421 1.133.806 472.530 1.606.336 Subtotal
Jumlah 2.365.610 6.143.275 8.508.885 1.853.265 2.957.024 4.810.289 Total
20132014
2014 2013
% %
Suku bunga deposito berjangka per tahun Interest rates per annum on time depositsRupiah 5,00 - 12,50 5,00 - 10,50 RupiahMata uang asing 0,15 - 3,50 0,15 - 3,50 Foreign currencies
Saldo deposito berjangka yang diblokir dalam rangka jaminan kredit yang diberikan, bank garansi dan letter of credit pada tanggal 31 Desember 2014 dan 2013 masing-masing adalah sebesar Rp 1.045.451 dan Rp 1.208.490 (Catatan 9 dan 34).
Total time deposits which are blocked to guarantee loans, bank guarantee and letter of credit as of December 31, 2014 and 2013, amounted to Rp 1,045,451 and Rp 1,208,490, respectively (Notes 9 and 34).
19. Simpanan dari Bank Lain 19. Deposits from Other Banks
2014 2013
Giro 85.772 201.481 Demand depositsDeposito berjangka 378.500 35.200 Time depositsCall money 206.925 20.000 Call moneySertifikat investasi mudharabah Certificate of sharia interbank
antar bank syariah 95.000 - mudharabah investment
Jumlah 766.197 256.681 Total
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 80 -
a. Giro terdiri dari: a. Demand deposits consist of:
2014 2013
Konvensional ConventionalPihak berelasi (Catatan 33) Related parties (Note 33)
Mata uang asing (Catatan 35) 17.336 36.199 Foreign currencies (Note 35)Pihak ketiga Third parties
Rupiah 61.526 165.275 Rupiah
Jumlah 78.862 201.474 Total
Syariah ShariaPihak ketiga Third parties
Rupiah 6.910 7 Rupiah
Jumlah 85.772 201.481 Total
2014 2013
% %
Suku bunga per tahun Interest rate per annumRupiah 0,00 - 3,00 0,00 - 5,00 RupiahDolar Amerika Serikat 0,15 0,15 United States DollarEuro 0,00 0,00 Euro
b. Deposito berjangka merupakan deposito
berjangka yang ditempatkan oleh pihak ketiga dalam Rupiah.
b. Time deposits are deposits in Rupiah placed by third parties.
Termasuk dalam deposito berjangka pada tanggal 31 Desember 2014 dan 2013 adalah deposito berjangka yang didasarkan pada prinsip perbankan syariah masing-masing sebesar Rp 55.000 dan nihil.
As of December 31, 2014 and 2013, these deposits include time deposits based on the principles of Islamic banking amounting to Rp 55,000 and nil, respectively.
Klasifikasi deposito berjangka berdasarkan jangka waktu adalah sebagai berikut:
The details of time deposits based on maturities are as follows:
Berdasarkan periode deposito berjangka Based on contractual maturity
2014 2013
1 bulan atau kurang 75.000 - 1 month or less1 bulan 257.000 35.200 1 month3 bulan 10.500 - 3 months6 bulan 36.000 - 6 months
Jumlah 378.500 35.200 Total
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 81 -
Berdasarkan sisa umur sampai dengan saat jatuh tempo
Based on remaining maturity
2014 2013
1 bulan atau kurang 333.500 35.200 1 month or less1 - 3 bulan 9.500 - 1 month until 3 months3 - 6 bulan 35.500 - 3 months until 6 months
Jumlah 378.500 35.200 Total
Suku bunga per tahun: Interest rate per annum:
2014 2013% %
1 bulan atau kurang 7,50 - 1 month or less1 bulan 7,50 - 8,00 7,60 - 7,75 1 month3 bulan 10,75 - 3 months6 bulan 10,75 - 6 months
c. Call Money terdiri dari :
c. Call Money consist of :
2014 2013
Konvensional ConventionalPihak ketiga (kurang dari 1 bulan) Third parties (less than 1 month)
Rupiah 145.000 20.000 RupiahMata uang asing (Catatan 35) 61.925 - Foreign currencies (Note 35)
Jumlah 206.925 20.000 Total
2014 2013
% %
Suku bunga per tahun Interest rate per annumRupiah 5,90 - 6,80 7,05 RupiahDolar Amerika Serikat 0,30 - United States Dollar
d. Pada tanggal 31 Desember 2014, sertifikat
investasi mudharabah antar bank syariah ditempatkan oleh pihak ketiga dalam Rupiah dengan jangka waktu kurang dari 1 bulan dan bagi hasil per tahun sebesar 7,00 – 7,90%.
d. As of December 31, 2014, certificate of sharia interbank mudharabah investment is placed by third parties in Rupiah for a period of less than 1 month and the profit sharing of 7.00 – 7.90% per annum.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 82 -
20. Utang Pajak 20. Taxes Payable
Utang pajak terdiri dari: Taxes payable consists of:
2014 2013
Pajak kini (Catatan 31) 7.093 15.705 Current Tax (Note 31)Pajak penghasilan Income tax
Pasal 4 12.909 9.231 Article 4Pasal 21 3.180 3.252 Article 21Pasal 23 dan 26 3.094 1.242 Articles 23 and 26Pasal 25 1.432 2.319 Article 25Jumlah pajak penghasilan 27.708 16.044 Total income tax
Pajak Pertambahan Nilai 516 129 Value Added Tax
Jumlah 28.224 31.878 Total
Besarnya pajak yang terutang ditetapkan berdasarkan perhitungan pajak yang dilakukan sendiri oleh Perusahaan (self-assessment). Berdasarkan Undang-undang No. 28 Tahun 2007 mengenai Perubahan Ketiga atas Ketentuan Umum dan Tata Cara Perpajakan, Kantor Pajak dapat melakukan pemeriksaan atas perhitungan pajak dalam jangka waktu 5 tahun setelah terutangnya pajak, dengan beberapa pengecualian, sebagaimana diatur dalam Undang-undang tersebut.
The filed tax returns is based on the Company’s own calculation of tax liabilities (self-assessment). Based on the Law No. 28 Year 2007, regarding the third amendment of the General Taxation Provisions and Procedures, the time limit for the tax authorities to assess or amend taxes was reduced to five (5) years, subject to certain exceptions, in accordance with provisions of the Law.
21. Beban Bunga Akrual 21. Accrued Interest
2014 2013
Pihak berelasi (Catatan 33) Related parties (Note 33)Rupiah Rupiah
Deposito 1.518 690 Time depositsGiro 285 280 Demand depositsTabungan 9 18 Savings deposits
Jumlah 1.812 988 Subtotal
Mata uang asing (Catatan 35) Foreign currencies (Note 35)Deposito 1.500 2.392 Time depositsGiro 14 24 Demand deposits
Jumlah 1.514 2.416 Subtotal
Jumlah pihak berelasi 3.326 3.404 Total related parties
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 83 -
2014 2013
Pihak ketiga Third partiesRupiah Rupiah
Deposito 24.188 9.265 Time depositsTabungan 2.960 3.224 Savings depositsGiro 693 601 Demand deposits
Jumlah 27.841 13.090 Subtotal
Mata uang asing (Catatan 35) Foreign currencies (Note 35)Deposito 679 357 Time depositsGiro 84 73 Demand deposits
Jumlah 763 430 Subtotal
Jumlah pihak ketiga 28.604 13.520 Total third parties
Jumlah 31.930 16.925 Total
22. Liabilitas Lain-lain 22. Other Liabilities
2014 2013
Pendapatan diterima dimuka 9.924 6.552 Deferred incomeSetoran jaminan 3.056 2.330 Marginal deposits Premi Penjaminan Pemerintah Premium on Government Guarantee
(Catatan 42g) 1.800 1.321 (Note 42g)Liabilitas derivatif 63 - Derivative liabilitiesLain-lain 1.437 1.826 Others
Jumlah 16.280 12.029 Total
Pada tanggal 31 Desember 2014 dan 2013, pendapatan diterima dimuka merupakan pendapatan dari provisi lainnya yang diamortisasi selama jangka waktu transaksi serta pendapatan provisi atas kredit yang belum dicairkan.
As of December 31, 2014 and 2013, deferred income represents income from other provision which is amortized during the transaction period and deferred income from unused loan facility.
23. Modal Saham dan Tambahan Modal Disetor 23. Capital Stock and Additional Paid-in Capital Susunan pemegang saham Perusahaan pada tanggal 31 Desember 2014 dan 2013 sebagai berikut:
The details of the Company’s capital stock and stockholders as of December 31, 2014 and 2013 are as follows:
Jumlah Lembar Persentase JumlahSaham/ Kepemilikan/ Modal Disetor/
Number of Percentage of Total Paid-upPemegang Saham Shares Ownership Capital Stock Name of Stockholders
% Rp
PT Sinar Mas Multiartha Tbk 7.498.835.150 53,41 749.883 PT Sinar Mas Multiartha TbkPT Shinta Utama 363.136.372 2,59 36.314 PT Shinta UtamaFreenyan Liwang, Direktur Utama 3.714.375 0,03 371 Freenyan Liwang, President DirectorHalim, Direktur 440.000 0,00 44 Halim, DirectorMasyarakat 6.174.042.452 43,97 617.404 Public
Jumlah 14.040.168.349 100,00 1.404.016 Total
2014
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 84 -
Jumlah Lembar Persentase JumlahSaham/ Kepemilikan/ Modal Disetor/
Number of Percentage of Total Paid-upPemegang Saham Shares Ownership Capital Stock Name of Stockholders
% Rp
PT Sinar Mas Multiartha Tbk 7.498.835.150 57,17 749.883 PT Sinar Mas Multiartha TbkPT Shinta Utama 363.136.372 2,77 36.314 PT Shinta UtamaFreenyan Liwang, Direktur Utama 3.514.375 0,03 351 Freenyan Liwang, President DirectorHalim, Direktur 440.000 0,00 44 Halim, DirectorMasyarakat 5.250.955.601 40,03 525.096 Public
Jumlah 13.116.881.498 100,00 1.311.688 Total
2013
Pada tanggal 15 Juni 2012, berdasarkan Rapat Umum Pemegang Saham yang didokumentasikan dalam Akta No. 21 tanggal 15 Juni 2012 dari Andalia Farida, SH., MH, notaris di Jakarta, pemegang saham menyetujui penerbitan saham sebanyak 1.203.186.138 lembar saham dengan nilai nominal Rp 100 (dalam Rupiah penuh) per saham dan penerbitan waran secara cuma-cuma sebanyak-banyaknya 2.996.614.532 lembar (Catatan 1b dan 24) untuk ditawarkan melalui Penawaran Umum Terbatas I.
On June 15, 2012, the Company’s shareholders held their Extraordinary Shareholders’ meeting, which was documented in the Deed No. 21 dated June 15, 2012 of Andalia Farida, SH., MH, public notary in Jakarta, wherein the shareholders approved the issuance of shares totaling to 1,203,186,138 shares with par value of Rp 100 (in full Rupiah) per share to be offered through Limited Public Offering I with an attached 2,996,614,532 Series II Warrants free of charge (Notes 1b and 24).
Jumlah penerimaan dari Penawaran Umum Terbatas I Rp 300.797 dengan biaya emisi saham Rp 3.776.
Total proceeds of the Limited Public Offering I amounted to Rp 300,797 and the related share issuance costs amounted to Rp 3,776.
PT Shinta Utama dan PT Sinar Mas Multiartha Tbk telah menandatangani dan menyampaikan surat pernyataan kesanggupan untuk memenuhi persyaratan yang ditetapkan dalam keikutsertaan Perusahaan dalam program penjaminan Pemerintah.
PT Shinta Utama and PT Sinar Mas Multiartha Tbk signed and conveyed letters of statement on the recognition of the Company’s liabilities as required in the Company’s participation in the Government guarantee program.
Berdasarkan Akta No. 45 tanggal 13 Juni 2014 dari Aryanti Artisari, S.H., M.Kn., notaris di Jakarta, tentang Berita Acara Rapat Umum Pemegang Saham Luar Biasa (RUPSLB), dimana pemegang saham Perusahaan menyetujui untuk menerbitkan 1.312.411.310 lembar saham pada harga yang akan ditentukan oleh Direksi dengan persetujuan Dewan Komisaris melalui Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu (PMTHMETD). Pada tanggal 31 Oktober 2014 dan 24 November 2014, Perusahaan melaksanakan PMTHMETD tahap 1 dan 2 masing-masing sebanyak 888.888.888 dan 7.646.526 lembar saham dengan harga pelaksanaan masing-masing sebesar Rp 270 (dalam Rupiah penuh). Jumlah dana yang diperoleh dari pemegang saham dalam pelaksanaan PMTHMETD adalah sebesar Rp 242.064 dengan biaya emisi saham Rp 227 (Catatan 1b).
Based on Notarial Deed No. 45 dated June 13, 2014 of Aryanti Artisari, S.H., M.Kn., public notary in Jakarta, concerning an Extraordinary Stockholders’ Meeting wherein the Company’s stockholders approved the issuance of 1,312,411,310 shares at a price to be determined by Directors with approval from Board of Commisioners by “Rights Issue Without Pre-Emptive Rights”. On October 31, 2014 and November 24, 2014, the Company issued 888,888,888 shares and 7,646,526 shares, respectively, at a price of Rp 270 (in full Rupiah). The total proceeds from this right issue in relation to this “Rights Issue Without Pre-Emptive Rights” amounted to Rp 242,064 and the related share issuance costs amounted to Rp 227 (Note 1b).
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 85 -
Perubahan lembar saham untuk tahun-tahun yang berakhir 31 Desember 2014 dan 2013, adalah sebagai berikut:
The changes of shares outstanding for the years ended December 31, 2014 and 2013 are as follows:
JumlahSaham/
Number of shares issued
Jumlah Saham pada tanggal 1 Januari 2013 10.283.836.238 Balance as of January 1, 2013
Penambahan modal disetor melalui Additional issuance from the konversi Waran Seri I (Catatan 24) 7.569.399 conversion of Series I Warrants (Note 24)
Penambahan modal disetor melalui Additional issuance from the konversi Waran Seri II (Catatan 24) 2.825.475.861 conversion of Series II Warrants (Note 24)
Jumlah Saham pada tanggal 31 Desember 2013 13.116.881.498 Balance as of December 31, 2013
Penambahan modal disetor melalui Additional issuance from the konversi Waran Seri I (Catatan 24) 19.075.400 conversion of Series I Warrants (Note 24)
Penambahan modal disetor melalui Additional issuance from the konversi Waran Seri II (Catatan 24) 7.676.037 conversion of Series II Warrants (Note 24)
Penambahan modal tanpa Hak Memesan Efek Additional issuance through right issue Terlebih Dahulu (HMETD) without pre-emptive rights to the
896.535.414 existing shareholders
Jumlah Saham pada tanggal 31 Desember 2014 14.040.168.349 Balance as of December 31, 2014
Perubahan tambahan modal disetor sampai dengan tanggal 31 Desember 2014:
The movement of additional paid-in capital is as follow:
Jumlah/Amount
Rp
Penawaran Umum Perdana tahun 2010 (Catatan 1b) 80.000 Initial Public Offering in 2010 (Note 1b)Biaya emisi saham tahun 2010 (4.678) Shares issuance cost in 2010Konversi Waran Seri I tahun 2011 (Catatan 24) 89.918 Conversion of Series I Warrants in 2011 (Note 24)Konversi Waran Seri I tahun 2012 (Catatan 24) 90 Conversion of Series I Warrants in 2012 (Note 24)Penawaran Umum Terbatas I tahun 2012 (Catatan 1b) 180.478 Limited Public Offering I in 2012 (Note 1b)Biaya emisi saham tahun 2012 (3.776) Shares issuance cost in 2012
Jumlah tambahan modal disetor Total additional paid-in capital as of pada tanggal 31 Desember 2012 342.032 December 31, 2012
Konversi Waran Seri I tahun 2013 (Catatan 24) 371 Conversion of Series I Warrants in 2013 (Note 24)Konversi Waran Seri II tahun 2013 (Catatan 24) 423.821 Conversion of Series II Warrants in 2013 (Note 24)
Jumlah tambahan modal disetor Total additional paid-in capital as of pada tanggal 31 Desember 2013 766.224 December 31, 2013
Konversi Waran Seri I tahun 2014 (Catatan 24) 935 Conversion of Series I Warrants in 2014 (Note 24)Konversi Waran Seri II tahun 2014 (Catatan 24) 1.151 Conversion of Series II Warrants in 2014 (Note 24)Peningkatan modal tanpa Hak Memesan Efek Terlebih Additional issuance through right issue without
Dahulu (HMETD) 152.411 pre-emptive rights to the existing shareholdersBiaya emisi saham tahun 2014 (227) Shares issuance cost in 2014
Jumlah tambahan modal disetor Total additional paid-in capital as of pada tanggal 31 Desember 2014 920.494 December 31, 2014
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 86 -
Manajemen Permodalan Capital Management
Tujuan utama dari pengelolaan modal Perusahaan adalah untuk memastikan bahwa Perusahaan mempertahankan rasio modal yang sehat dalam rangka mendukung bisnis dan memaksimalkan nilai pemegang saham. Perusahaan wajib untuk memenuhi rasio Kewajiban Penyediaan Modal Minimum (KPMM) sebagaimana ditetapkan oleh Bank Indonesia.
The primary objective of the Company’s capital management is to ensure that it maintains healthy capital ratios in order to support its business and maximize shareholder value. The Company is required by Bank Indonesia to meet Capital Adequacy Ratio (CAR).
Manajemen menggunakan peraturan rasio permodalan untuk memantau kecukupan modal, sesuai dengan standar industri. Pendekatan Bank Indonesia untuk pengukuran modal tersebut terutama didasarkan kepada pemantauan kebutuhan modal yang diwajibkan (diukur sebagai 8% pada tahun 2014 dan 2013 dari aset tertimbang menurut risiko) terhadap modal yang tersedia.
Management uses regulatory capital ratios in order to monitor its capital base, and these capital ratios remain the industry standards for measuring capital adequacy. Bank Indonesia’s approach to such measurement is primarily based on monitoring the relationship of the capital resources requirement (measured as and 8% in 2014 and 2013, respectively, of risk-weighted assets) to available capital resources.
Perusahan telah memenuhi semua persyaratan modal yang diwajibkan sepanjang tahun.
The Company has complied with all externally imposed capital requirements throughout the year.
Perusahaan wajib memperhitungkan Risiko Pasar karena telah memenuhi kriteria sebagaimana diatur oleh Peraturan Bank Indonesia yang berlaku, yaitu jumlah aset sebesar Rp 10.000.000 atau lebih. Perhitungan dilakukan menggunakan metode standar sesuai dengan PBI dimaksud.
In the calculations of CAR, the Company has considered Market Risk using The Standard Method as stipulated in Bank Indonesia Regulation, since the Company has a total assets of more than Rp 10,000,000.
Perhitungan rasio KPMM pada tanggal 31 Desember 2014 dan 2013 adalah sebagai berikut:
The calculation of CAR as of December 31, 2014 and 2013, is as follows:
2014 2013
I. Komponen Modal I. Capital Stock ComponentA. Modal Inti 2.850.101 2.528.077 A. Core CapitalB. Modal Pelengkap 126.838 109.420 B. Supplementary Capital
II. Jumlah modal 2.976.939 2.637.497 II. Total
III. Aset Tertimbang Menurut Risiko (ATMR) III. Risk Weighted AssetsRisiko kredit setelah memperhitungkan Credit risk after considering
risiko spesifik 14.291.448 10.384.365 specific riskRisko pasar 73.526 213.655 Market riskRisiko operasional 1.832.145 1.490.878 Operational risk
Jumlah ATMR untuk risiko kredit, pasar Total risk weight assets for credit,dan operasional 16.197.119 12.088.898 market and operational risk
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 87 -
2014 2013
IV. Rasio Kewajiban Penyediaan Modal IV.Capital Adequacy Ratio (CAR)Minimum (KPMM) yang tersedia
KPMM dengan memperhitungkan risiko kredit 20,83% 25,40% CAR with credit risk
KPMM dengan memperhitungkan risiko kredit dan pasar 20,72% 24,89% CAR with credit and market risk
KPMM dengan memperhitungkan risiko kredit dan operasional 18,46% 22,21% CAR with credit and operational risk
KPMM dengan memperhitungkan risiko CAR with credit, operational andkredit dan operasional dan pasar 18,38% 21,82% market risk
V. Rasio Kewajiban Penyediaan Modal Minimum yang diwajibkan 8% 8% V. Minimum Capital Adequacy Ratio
Catatan/Note :Perhitungan rasio KPMM tidak termasuk pajak tangguhan/The CAR calculation excludes deferred taxes
24. Waran 24. Warrant Pada tanggal 13 Desember 2010, Perusahaan menerbitkan waran Seri I secara cuma-cuma sejumlah 1.920.000.000 waran yang melekat pada saham yang diterbitkan dalam rangka Penawaran Umum Perdana. Setiap pemegang lima (5) saham baru Perusahaan berhak memperoleh enam (6) waran dimana setiap satu (1) waran memberikan hak kepada pemegangnya untuk membeli satu (1) saham baru Perusahaan dengan harga Pelaksanaannya sebesar Rp 150 (dalam Rupiah penuh) dan dapat dikonversi menjadi saham mulai tanggal 13 Juni 2011 sampai dengan 11 Desember 2015.
On December 13, 2010, the Company issued attached 1,920,000000 Series I Warrants, free of charge, to be issued in the Initial Public Offering. Each holder of five (5) new shares of the Company is entitled to six (6) warrants where each one (1) warrant entitles the holder to purchase one (1) new share of the Company at an exercise price at Rp 150(in full Rupiah) per share and can be exercised from June 13, 2011 until December 11, 2015.
Sehubungan dengan Pelaksanaan Penawaran Umum Terbatas I pada tanggal 15 Juni 2012 (Catatan 1 dan 23), jumlah dan harga pelaksanaan Waran Seri I yang belum dikonversi disesuaikan menjadi 120.646.622 waran dengan harga pelaksanaan sebesar Rp 149 (dalam Rupiah penuh) per lembar saham.
In connection with the implementation of the Limited Public Offering I on June 15, 2012 (Notes 1 and 23), the number and exercise price of unexercised Series I warrants have been adjusted to become 120,646,622 warrants at new exercise price at Rp 149 (in full Rupiah).
Selama tahun 2014 dan 2013, sebanyak 19.075.400 dan 7.569.399 Waran Seri I telah dikonversi menjadi 19.075.400 dan 7.569.399 saham dengan jumlah penerimaan sebesar Rp 2.842 dan Rp 1.128.
In 2014 and 2013, 19,075,400 and 7,569,399 Series I Warrant respectively, had been converted to 19,075,400 and 7,569,399 shares, respectively, with total proceeds of Rp 2,842 and Rp 1,128, respectively.
Jumlah Waran Seri I yang belum dikonversikan menjadi saham sebanyak 94.001.823 dan 113.077.223 pada tanggal 31 Desember 2014 dan 2013.
As of December 31, 2014 and 2013, there are 94,001,823 and 113,077,223 unexercised Series I Warrant, respectively.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 88 -
Pada tanggal 15 Juni 2012, Perusahaan menerbitkan Waran Seri II secara cuma-cuma sejumlah 2.996.614.532 waran yang melekat pada saham yang diterbitkan dalam rangka Penawaran Umum Terbatas I. Setiap pemegang lima puluh tiga (53) saham baru Perusahaan berhak memperoleh seratus tiga puluh dua (132) waran dimana setiap satu (1) waran memberikan hak kepada pemegangnya untuk membeli satu (1) saham baru Perusahaan dengan harga pelaksanaannya sebesar Rp 250 (dalam Rupiah penuh) dan dapat dikonversi menjadi saham mulai tanggal 11 Januari 2013 sampai dengan 29 Juni 2017.
On June 15, 2012, the Company issued attached 2,996,614,532 Series II Warrants, free of charge, to be issued in the Limited Public Offering I. Each holder of fifty three (53) new shares of the Company is entitled to one hundred thirty two (132) warrants where each one (1) warrant entitles the holder to purchase one (1) new share of the Company at an exercise price at Rp 250 (in full Rupiah) per share and can be exercised from January 11, 2013 until June 29, 2017.
Selama tahun 2014 dan 2013, sebanyak 7.676.037 dan 2.825.475.801 Waran Seri II telah dikonversi menjadi 7.676.037 dan 2.825.475.861 saham dengan jumlah penerimaan sebesar Rp 1.918 dan Rp 706.368.
In 2014 and 2013, 7,676,037 and 2,825,475,801 Series II Warrant, respectively, had been converted to 7,676,037 and 2,825,475,861 shares with total proceeds of Rp 1,918 and Rp 706,368.
Jumlah Waran Seri II yang belum dikonversikan menjadi saham sebanyak 163.462.634 dan 171.138.671 pada tanggal 31 Desember 2014 dan 2013.
As of December 31, 2014 and 2013, there are 163,462,634 and 171,138,671 unexercised Series II Warrants, respectively.
25. Pendapatan Bunga dan Bagi Hasil 25. Interest Revenue and Profit Sharing
2014 2013
Rupiah RupiahKredit yang diberikan 1.492.662 1.130.737 LoansPenempatan pada bank lain Placements with other banks
dan Bank Indonesia 94.622 76.473 and Bank IndonesiaEfek-efek 68.928 57.650 Securities Giro pada bank lain 5.679 5.037 Demand deposits with other banksEfek yang dibeli dengan Securities purchased under
janji jual kembali 6.764 4.542 agreements to resell
Jumlah 1.668.655 1.274.439 Subtotal
Mata uang asing Foreign currenciesKredit yang diberikan 105.483 89.535 LoansEfek-efek 17.605 23.695 SecuritiesPenempatan pada bank lain Placements with other banks
dan Bank Indonesia 1.038 2.049 and Bank IndonesiaGiro pada bank lain 1.725 429 Demand deposits with other banks
Jumlah 125.851 115.708 Subtotal
Jumlah 1.794.506 1.390.147 Total
Pendapatan bunga dan bagi hasil yang diterima dari pihak berelasi selama tahun 2014 dan 2013 masing-masing sebesar Rp 28.964 dan Rp 53.633 atau masing-masing 1,61% dan 3,86% dari jumlah pendapatan bunga dan bagi hasil (Catatan 33).
Interest revenue and profit sharing received from related parties amounted to Rp 28,964 and Rp 53,633, respectively, or 1.61% and 3.86% of total interest revenue and profit sharing earned in 2014 and 2013, respectively (Note 33).
Termasuk dalam pendapatan bunga dan bagi hasil selama tahun 2014 dan 2013 adalah bagi hasil transaksi syariah masing-masing sebesar Rp 203.188 dan Rp 115.013.
Included in interest income and profit sharing is income from syaria transactions amounting to Rp 203,188 and Rp 115,013 in 2014 and 2013, respectively.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 89 -
26. Beban Bunga dan Bagi Hasil 26. Interest Expense and Profit Sharing
2014 2013
Rupiah RupiahDeposito berjangka 392.357 226.914 Time depositsTabungan 262.564 215.077 Savings depositsGiro 56.959 52.924 Demand depositsPremi penjaminan Pemerintah Premium on Government
(Catatan 42g) 31.454 27.640 guarantee (Note 42g)Simpanan dari bank lain 30.574 1.780 Deposits from other banks
Jumlah 773.908 524.335 Subtotal
Mata uang asing Foreign currenciesDeposito berjangka 27.053 34.789 Time depositsGiro 5.905 4.651 Demand depositsSimpanan dari bank lain 15 12 Deposits from other banks
Jumlah 32.973 39.452 Subtotal
Jumlah 806.881 563.787 Total
Pada tahun 2014 dan 2013, bunga yang dibayar kepada pihak berelasi masing-masing sebesar Rp 128.858 dan Rp 107.073 atau masing-masing 15,97% dan 18,99% dari jumlah beban bunga dan bagi hasil (Catatan 33).
Interest expense and profit sharing to related parties amounted to Rp 128,858 and Rp 107,073, respectively, or 15.97% and 18.99% of total interest expense and profit sharing in 2014 and 2013, respectively (Note 33).
Pada tanggal 31 Desember 2014 dan 2013, termasuk dalam beban bunga dan bagi hasil adalah bagi hasil transaksi syariah masing-masing sebesar Rp 72.599 dan Rp 31.873.
Included in interest expense and profit sharing in 2014 and 2013 are expenses of sharia transactions amounting to Rp 72,599 and Rp 31,873, respectively.
27. Beban Umum dan Administrasi 27. General and Administrative Expenses
2014 2013
Umum 172.680 136.840 GeneralPerbaikan dan pemeliharaan 79.759 54.517 Repairs and maintenanceKomunikasi 68.005 64.798 CommunicationsSewa gedung 55.343 51.461 Building rentCetakan dan alat tulis 51.630 51.493 Printing and stationeryTransportasi 51.770 30.063 TransportationRiset dan pengembangan 26.378 5.392 Research and developmentPromosi 22.021 18.272 PromotionsListrik dan air 21.599 16.477 Electricity and waterPendidikan dan pengembangan 18.812 16.092 Education and trainingPerjalanan dinas 9.381 9.114 TravelImbalan kerja jangka panjang Long term employee benefits
(Catatan 37) 5.986 8.810 expense (Note 37)Asuransi 2.782 3.752 InsuranceJasa profesional 2.712 2.143 Professional fees
Jumlah 588.858 469.224 Total
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 90 -
Beban umum dan administrasi yang dibayar kepada pihak berelasi pada tahun 2014 dan 2013 masing-masing sebesar Rp 90.541 dan Rp 97.130 atau masing-masing 15,38% dan 20,70% dari beban umum dan administrasi (Catatan 33).
General and administrative expenses incurred with related parties amounted to Rp 90,541 and Rp 97,130 in 2014 and 2013, respectively, or 15.38% and 20.70% of total general and administrative expenses (Note 33).
28. Beban Tenaga Kerja 28. Personnel expenses
2014 2013
Gaji 203.779 168.748 SalariesTunjangan Hari Raya 17.249 15.671 Allowances for Hari RayaTunjangan lainnya 115.791 97.533 Other allowances
Jumlah 336.819 281.952 Total
29. Pendapatan Operasional Lainnya – Lain-lain 29. Other Operating Revenue - Others
2014 2013
Keuntungan lelang AYDA 3.914 61 Collateral auction IncomeKeuntungan penjualan aset tetap - bersih Gain on sale of premises and
(Catatan 14) - 102 equipment (Note 14)Keuntungan penjualan aset tetap yang Gain on sale of unused premises and
tidak digunakan (Catatan 16) - 66 and equipment (Note 16)Penerimaan kembali tagihan sehubungan Recoveries of receivables from
dengan Bank Indover (Catatan 16) 234 - Bank Indover (Note 16)Lain-lain 10.527 1.943 Others
Jumlah 14.675 2.172 Total
30. Beban Operasional Lainnya – Lain-lain 30. Other Operating Expenses – Others
2014 2013
Beban tanggung jawab sosial 630 1.277 Corporate social responsibiltyKerugian penjualan aset tetap (Catatan 14) 16 - Loss from sale of fixed assets (Note 14)Lain-lain 1.032 2.022 Others
Jumlah 1.678 3.299 Total
31. Pajak Penghasilan 31. Income Tax
a. Beban pajak terdiri dari: a. Tax expense consists of the following:
2014 2013
Pajak kini 24.256 42.222 Current taxPajak tangguhan 21.707 22.778 Deferred tax
Jumlah 45.963 65.000 Total
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 91 -
b. Pajak Kini b. Current Tax
Rekonsiliasi antara laba sebelum pajak menurut laporan laba rugi komprehensif dengan laba kena pajak adalah sebagai berikut:
A reconcilliation between income before tax per statements of comprehensive income and taxable income is as follows:
2014 2013
Laba sebelum pajak menurut laporan Income before tax per statements laba rugi komprehensif 200.895 286.100 of comprehensive income
Perbedaan temporer: Temporary differences:Pemulihan penurunan nilai Reversal of impairment
aset keuangan - bersih (115.807) (62.289) losses on assets - netAmortization on discounting of financial
Amortisasi diskonto instrumen keuangan 103 (218) instrumentsImbalan kerja jangka panjang - bersih 580 2.110 Long-term employee benefitsPenyusutan aset tetap 6.589 (38.857) Depreciation of premises and equipmentJumlah (108.535) (99.254) Net
Perbedaan tetap: Permanent differences:Natura 18.375 13.952 Benefits-in-kindLain-lain 10.545 10.313 OthersJumlah 28.920 24.265 Total
Laba kena pajak 121.280 211.111 Taxable Income
Rincian beban dan utang pajak kini adalah sebagai berikut:
Current tax expense and payable are computed as follows:
2014 2013
Beban pajak kini 24.256 42.222 Current tax expenseDikurangi pembayaran pajak dimuka
Pajak penghasilan pasal 25 17.163 26.517 Less prepaid income tax - Article 25
Utang pajak kini (Catatan 20) 7.093 15.705 Current tax payable (Note 20)
Laba kena pajak dan beban pajak kini tahun 2013 telah sesuai dengan Surat Pemberitahuan Tahunan (SPT) yang disampaikan ke Kantor Pelayanan Pajak.
The taxable income and current tax expense of the Company in 2013 are in accordance with the corporate income tax return filed in the Tax Office.
c. Pajak Tangguhan c. Deferred Tax
Rincian dari aset dan liabilitas pajak tangguhan Perusahaan adalah sebagai berikut:
The details of the Company’s deferred tax assets and liabilities are as follows:
Dikreditkan Dikreditkan
(dibebankan) (dibebankan)ke laporan ke laporanlaba rugi laba rugi
komprehensif/ komprehensif/Credited in Credited in
1 Januari (charged to) 31 Desember (charged to) 31 Desember2013/ statement of 2013/ statement of 2014/
January 1, comprehensive December 31, comprehensive December 31,2013 income 2013 income 2014
Aset pajak tangguhan: Deferred tax assets:Amortisasi diskonto instrumen Amortization on discounting
keuangan 391 (43) 348 20 368 of financial instrumentImbalan kerja jangka panjang 3.484 422 3.906 116 4.022 Long-term employee benefit
Jumlah 3.875 379 4.254 136 4.390 Total
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 92 -
Dikreditkan Dikreditkan
(dibebankan) (dibebankan)ke laporan ke laporanlaba rugi laba rugi
komprehensif/ komprehensif/Credited in Credited in
1 Januari (charged to) 31 Desember (charged to) 31 Desember2013/ statement of 2013/ statement of 2014/
January 1, comprehensive December 31, comprehensive December 31,2013 income 2013 income 2014
Deferred tax liability -Liabilitas pajak tangguhan - Accumulated depreciation of
Penyusutan aset tetap (31.310) (7.772) (39.082) 1.317 (37.765) premises and equipmentCadangan kerugian penurunan Allowances for impairment
nilai aset produktif (12.128) (15.385) (27.513) (23.160) (50.673) losses on earning assets Jumlah (43.438) (23.157) (66.595) (21.843) (88.438) Total
Jumlah liabilitas pajak tangguhan - Bersih (39.563) (22.778) (62.341) (21.707) (84.048) Deferred tax liabilities - net
Pada bulan Desember 2007, Pemerintah mengeluarkan aturan penurunan tarif pajak penghasilan sebesar 5% dari tarif pajak penghasilan yang berlaku efektif 1 Januari 2008 untuk Perseroan Terbuka, apabila syarat-syarat tertentu mengenai komposisi pemegang saham terpenuhi. Efektif tanggal 21 November 2013, peraturan ini telah digantikan dengan PP No. 77 Tahun 2013 dengan tambahan persyaratan tertentu dapat memperoleh penurunan tarif pajak penghasilan sebesar 5%.
In December 2007, the Government issued a regulation relating to a tax rate reduction of 5% from the applicable tax rates for publicly listed entities effective January 1, 2008, if they comply with certain requirements relating to shareholding composition. Effective on November 21, 2013, regulation has changed with PP No. 77 Tahun 2013 with certain additional requirement has provided a tax rate reduction of 5%.
Rekonsiliasi antara beban pajak dan hasil perkalian laba akuntansi sebelum pajak dengan tarif pajak yang berlaku dalam laporan laba rugi komprehensif adalah sebagai berikut:
A reconciliation between the total tax expense and the amounts computed by applying the effective tax rates to income before tax per statements of comprehensive income is as follows:
2014 2013
Laba sebelum beban pajak menurut Income before tax per statements laporan laba rugi komprehensif 200.895 286.100 of comprehensive income
Beban pajak penghasilan dengan tarif pajakyang berlaku 40.179 57.220 Income tax expense at prevailing tax rate
Pengaruh pajak atas perbedaan tetap: Tax effects of permanent differences:Natura 3.675 2.790 Benefits-in-kindLain-lain 2.109 2.063 OthersJumlah - bersih 5.784 4.853 Net
Jumlah 45.963 62.073 Subtotal
Koreksi atas pajak tangguhan - 2.927 Adjustment on deferred tax
Jumlah beban pajak 45.963 65.000 Total
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 93 -
32. Laba per Saham Dasar 32. Earnings per Share
2014 2013
Laba bersih 154.932 221.100 Net income
Rata-rata tertimbang jumlah saham Weighted average number of shares outstandinguntuk perhitungan laba per saham dasar 13.130.202.612 12.372.307.413 for computation of basic earnings per share
Rata-rata tertimbang jumlah saham Weighted average number of shares outstandinguntuk perhitungan laba per saham dilusian 13.401.141.916 13.401.097.392 for computation of diluted earnings per share
Laba bersih per saham Earnings per share (dalam Rupiah penuh) (in full Rupiah)Dasar 11,80 17,87 BasicDilusian 11,56 16,50 Diluted
Rata-rata tertimbang jumlah saham beredar untuk perhitungan laba per saham dilusian tahun 2014 dan 2013 telah memperhitungkan efek berpotensi saham biasa yang dilutif yakni Waran Seri I dan Waran Seri II (Catatan 24).
The weighted average of shares outstanding for computation of diluted earnings per share in 2014 and 2013 has considered the effects of dilutive potential shares of Series I Warrants and Series II Warrants (Note 24).
33. Sifat dan Transaksi Pihak Berelasi 33. Nature of Relationship and Transactions with Related Parties
Sifat Pihak Berelasi Nature of Relationship
Selain karyawan kunci, pihak berelasi dengan Perusahaan adalah perusahaan-perusahaan yang berada dalam Grup Sinar Mas:
Other than the key management personnel, the related parties of the Company represent companies under the Sinar Mas Group:
a. Pemegang saham (termasuk pemegang
saham akhir) Perusahaan. PT Sinarmas Multiartha Tbk dan PT Shinta Utama.
a. Stockholders (include ultimate stockholder). PT Sinarmas Multiartha Tbk and PT Shinta Utama.
b. Perusahaan-perusahaan yang dimiliki
secara langsung atau tidak langsung oleh pemegang saham Perusahaan.
b. Companies owned by stockholders, either direct or indirect.
c. Perusahaan-perusahaan yang dikendalikan
oleh anggota keluarga dekat pemegang saham dan manajemen kunci Perusahaan.
c. Companies controlled by close family members of stockholders and key management personnel.
Transaksi Pihak Berelasi Transactions with of Related Parties
Dalam kegiatan usahanya, Perusahaan juga melakukan transaksi-transaksi tertentu dengan pihak-pihak berelasi yang meliputi antara lain:
In the normal course of business, the Company entered into certain transactions with related parties involving the following:
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 94 -
a. Transaksi aset dan liabilitas dengan pihak
berelasi adalah sebagai berikut: a. Accounts involved in transactions with
related parties are as follows:
Persentase Persentase terhadap jumlah terhadap jumlah
aset/liabilitas/ aset/liabilitas/Percentage of Percentage of
Jumlah/ total assets/ Jumlah/ total assets/Total liabilities Total liabilities
% %
Aset Assets
Kredit LoansPT Lontar Papyrus Pulp PT Lontar Papyrus Pulp
& Paper Industry 812.137 3,82 921.475 5,28 & Paper IndustrySalis Teguh Hartono 1.336 0,01 1.497 0,00 Salis Teguh HartonoHermawan Hosein 1.096 0,01 - - Hermawan HoseinHeru Agus Wuryanto 1.260 0,01 Heru Agus WuryantoKenny Santoso - - 9.899 0,06 Kenny SantosoPT Maritim Sinar Utama - - 7.903 0,05 PT Maritim Sinar UtamaLain - lain (dibawah
Rp 1.000) 2.951 0,01 3.904 0,02 Others (under Rp 1,000)
818.780 3,85 944.678 5,41
Pendapatan bunga akrual 404 0,00 482 0,00 Accrued interest revenueBiaya dibayar dimuka 21.956 0,10 33.997 0,19 Prepaid expensesAset lain - lain 18.416 0,09 52.352 0,30 Other assets
Liabilitas LiabilitiesLiabilitas segera 7.632 0,04 619 0,00 Immediately liabilitiesSimpanan 3.063.863 16,93 3.299.063 22,45 DepositsSimpanan dari bank lain 17.336 0,10 36.199 0,24 Deposits from other banksBeban bunga akrual 3.326 0,02 3.404 0,02 Accrued interest
20132014
b. Pada tanggal 31 Desember 2014 dan
2013, sebesar Rp 2.210.212 dan Rp 2.424.810 dari saldo kredit channeling disalurkan melalui pihak berelasi (Catatan 9).
b. As of December 31, 2014 and 2013, Rp 2,210,212 and Rp 2,424,810, respectively, of loan channeling were disbursed through related parties (Note 9).
c. Pendapatan bunga dan bagi hasil yang
diterima dari pihak berelasi untuk tahun 2014 dan 2013 masing-masing sebesar Rp 28.964 dan Rp 53.633, atau masing-masing 1,61% dan 3,86% dari jumlah pendapatan bunga dan bagi hasil (Catatan 25).
c. Interest income and profit sharing from related parties amounted to Rp 28,964 and Rp 53,633, or 1.61% and 3.86% of total interest income and profit sharing in 2014 and 2013, respectively (Note 25).
d. Beban bunga dan bagi hasil yang dibayar
kepada pihak berelasi untuk tahun 2014 dan 2013 masing-masing sebesar Rp 128.858 dan Rp 107.073, atau masing-masing 15,97% dan 18,99% dari jumlah beban bunga dan bagi hasil (Catatan 26).
d. Interest expense and profit sharing paid to related parties amounted to Rp 128,858 and Rp 107,073 or 15.97% and 18.99% of total interest expense and profit sharing in 2014 and 2013, respectively (Note 26).
e. Beban umum dan administrasi yang
dibayar kepada pihak berelasi untuk tahun 2014 dan 2013 masing-masing sebesar Rp 90.541 dan Rp 97.130 atau masing-masing 15,38% dan 20,70% dari jumlah beban umum dan administrasi (Catatan 27).
e. General and administrative expenses incurred with related parties amounted to Rp 90,541 and Rp 97,130 or 15.38% and 20.70% of total general and administrative expenses in 2014 and 2013, respectively(Note 27).
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 95 -
f. Perusahaan memberikan kompensasi
kepada karyawan kunci. Imbalan yang diberikan kepada direksi dan anggota manajemen kunci lainnya adalah sebagai berikut:
f. The Company provides compensation to the key management personnel. The renumeration of directors and other members of key management during the years were as follows:
% Rp % Rp % Rp
Gaji dan imbalan kerja Salary and other short-termjangka pendek 100 8.776 100 2.301 90,69 31.575 employee benefits
Imbalan pesangon - - - - 9,31 3.243 Termination benefits
Jumlah 100 8.776 100 2.301 100 34.818 Total
2014
Dewan manajemenPersonil
Board ofCommissioners
kunci lainnya/Management
Personnel
Komisaris/
DirectorsDireksi/
% Rp % Rp % Rp
Gaji dan imbalan kerja Salary and other short-termjangka pendek 100 7.000 100 2.204 93,21 27.772 employee benefits
Imbalan pesangon - - - - 6,79 2.022 Termination benefits
Jumlah 100 7.000 100 2.204 100 29.794 Total
DirectorsDireksi/
2013
Dewan manajemenPersonil
Board ofCommissioners
kunci lainnya/Management
Personnel
Komisaris/
g. Pada tanggal 31 Desember 2014 dan
2013, saldo transaksi komitmen dan kontinjensi (berupa L/C dan bank garansi) dengan pihak berelasi masing-masing sebesar Rp 196.655 dan Rp 138.818 (Catatan 34). Saldo jaminan tunai dari pihak berelasi sehubungan dengan transaksi L/C dan bank garansi pada tanggal 31 Desember 2014 dan 2013 masing-masing sebesar Rp 14.500 dan Rp 14.500.
g. As of December 31, 2014 and 2013, the total commitments and contingent transactions (which consist of letters of credit and bank guarantees) with related parties amounted to Rp 196,655 and Rp 138,818, respectively (Note 34). The outstanding marginal deposits from related parties relating to the letters of credit and bank guarantees amounted to Rp 14,500 and Rp 14,500 as of December 31, 2014 and 2013, respectively.
h. Pada tanggal 31 Desember 2014 dan
2013, aset tetap Perusahaan, kecuali tanah diasuransikan kepada PT Asuransi Sinar Mas dengan nilai pertanggungan seluruhnya masing-masing sebesar Rp 685.838 dan Rp 657.697 (Catatan 14).
h. As of December 31, 2014 and 2013, all property, plant and equipment, except for land, are insured with PT Asuransi Sinar Mas with a total coverage amounting to Rp 685,838 and Rp 657,697, respectively (Note 14).
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 96 -
34. Komitmen dan Kontinjensi 34. Commitments and Contingencies
a. Komitmen pembelian dan penjualan tunai
mata uang asing a. Spot and forward purchases and sales of
foreign currencies
2014 2013
Pembelian tunai mata uang asing Spot and forward contracts (spot dan forward) to purchased of foreign currencies
Dolar Amerika Serikat 92.888 121.700 U.S.DollarYen Jepang - 36.423 Japanese Yen
Jumlah 92.888 158.123 Total
Penjualan tunai mata uang asing Spot and forward contracts (spot dan forward) to sell of foreign currencies
Dolar Amerika Serikat 92.888 109.530 U.S.DollarDolar Singapura 609 - Singapore DollarDolar Australia 304 - Australian DollarYen Jepang - 36.347 Japanese YenEuro - 5.028 Euro
Jumlah 93.801 150.905 Total
Transaksi spot dan forward di atas akan selesai masing-masing dalam 1 hari sampai 3 hari, 3 hari sampai 103 hari dan 5 hari sampai 71 hari.
The above spot and forward transactions are normally settled in 1 day to 3 days, 3 days to 103 days and 5 days to 71 days, respectively.
b. Perusahaan memiliki tagihan dan liabilitas
komitmen dan kontinjensi dalam rangka ekspor-impor, pemberian garansi dan pemberian kredit kepada nasabah dengan rincian sebagai berikut:
b. The Company has commitments and contingent receivables and liabilities under export-import transaction, guarantees given, and loans given to customers as follows:
2014 2013
Komitmen Commitments
Liabilitas Komitmen Commitment Liabilities
Fasilitas kredit kepada nasabah Unused loan commitments granted yang belum digunakan 486.114 265.516 to customersIrrevocable letters of credit 17.824 67.942 Irrevocable letters of credit
Jumlah 503.938 333.458 Total
Kontinjensi Contingencies
Tagihan Kontinjensi Contingent ReceivablesPendapatan bunga dalam
penyelesaian 76.770 27.934 Past due interest revenues
Liabilitas Kontinjensi Contingent LiabilitiesBank garansi 1.049.744 921.253 Bank guarantees
Jumlah - bersih (972.974) (893.319) Net
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 97 -
Pada tanggal 31 Desember 2014 dan 2013, saldo transaksi komitmen dan kontinjensi berupa L/C dan bank garansi dengan pihak berelasi masing-masing sebesar Rp 196.655 dan Rp 138.818 (Catatan 33).
As of December 31, 2014 and 2013, commitment and contingent transactions consisting of letters of credit and bank guarantees with related parties amounted to Rp 196,655 and Rp 138,818, respectively (Note 33).
Pada tanggal 31 Desember 2014 dan 2013, jangka waktu untuk L/C masing-masing berkisar antara 1 – 5 bulan dan 1 – 9 bulan, sedangkan untuk bank garansi masing-masing berkisar antara 14 hari – 38 bulan dan 14 hari - 39 bulan.
As of December 31, 2014 and 2013, the average terms of letters of credit are from 1 month until 5 months and from 1 month until 9 months, respectively, while for bank guarantees are from 14 days - 38 months and 14 day - 39 months, respectively.
Saldo L/C yang dijamin dengan jaminan tunai pada tanggal 31 Desember 2014 dan 2013 masing-masing adalah sebesar Rp 16.344 dan Rp 48.399 (Catatan 18).
Letters of credit outstanding secured by cash collateral as of December 31, 2014 and 2013 amounted to Rp 16,344 and Rp 48,399, respectively (Note 18).
Saldo bank garansi yang dijamin dengan jaminan tunai pada tanggal 31 Desember 2014 dan 2013 masing-masing adalah sebesar Rp 218.766 dan Rp 225.136 (Catatan 18).
Bank guarantees secured by cash collateral as of December 31, 2014 and 2013 amounted to Rp 218,766 and Rp 225,136, respectively (Note 18).
35. Aset dan Liabilitas dalam Mata Uang Asing 35. Monetary Assets and Liabilities Denominated in Foreign Currencies
a. Posisi aset dan liabilitas dalam mata uang
asing adalah sebagai berikut: a. The balances of monetary assets and
liabilities denominated in foreign currencies at balance sheet dates are as follows:
2014 2013
Aset AssetsKas USD 39.179 23.833 Cash
SGD 6.987 2.819 CNY 1.762 1.944 AUD 242 671 EUR 470 460 JPY 63 372 HKD 88 129 GBP 5 21
Demand deposits with Bank Giro pada Bank Indonesia USD 359.642 418.154 IndonesiaGiro pada bank lain USD 119.746 109.955 Demand deposits with other banks
SGD 22.759 33.114 EUR 19.229 26.649 CNY 38.931 18.397 AUD 39.713 16.946 GBP 222 1.634 JPY 395 1.477 HKD 395 657
Equivalent RpEkuivalen Rp/
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 98 -
2014 2013
Aset AssetsPenempatan pada bank lain Placements with other banks and
dan Bank Indonesia USD 245.669 1.162.313 Bank IndonesiaEfek-efek USD 311.458 414.144 Securities
EUR 1.379 -CNY - 20.740
Kredit USD 2.559.425 1.406.687 LoansSGD 1.697 1.475
Tagihan akseptasi USD 30.821 238.324 Acceptance receivablePendapatan bunga akrual USD 6.895 7.254 Interest receivableAset lain-lain USD 2.450 13.523 Other assets
EUR 754 1.101
Jumlah Aset 3.810.374 3.922.793 Total
Liabilitas LiabilitiesLiabilitas segera USD 607 2.653 Liabilities immediately payable
SGD 280 -EUR 6 -
Simpanan USD 3.527.605 3.377.598 DepositsCNY 40.569 39.935 SGD 30.334 34.510 AUD 39.861 16.133 EUR 18.179 11.983 JPY 473 539
Simpanan dari bank lain USD 76.450 33.069 Deposits from other banksEUR 2.811 3.130
Liabilitas akseptasi USD 30.821 238.324 Acceptance payableBeban bunga akrual USD 2.150 2.767 Accrued interest
SGD 2 1 AUD 66 37 CNY 59 41
Liabilitas lain-lain USD 72 61 Other liabilitiesSGD 10 16
Jumlah Liabilitas 3.770.355 3.760.797 Total liabilities
Aset - Bersih 40.019 161.996 Net - Assets
Equivalent RpEkuivalen Rp/
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 99 -
b. Posisi Devisa Neto (PDN) b. Net Open Position (NOP)
Berikut ini disajikan rincian posisi devisa neto Perusahaan sebagaimana disampaikan Perusahaan kepada Bank Indonesia:
Following is the Company’s net open position as submitted to Bank Indonesia:
31 Desember 2014/December 31, 2014
BersihAbsolut/
Aset/ Liabilitas/ NetMata Uang Assets Liabilities Absolute Currencies
Dolar Amerika Serikat 3.697.721 3.693.529 4.192 United States DollarPoundsterling Inggris 338 54 284 Great Britain Poundsterling Yen Jepang 486 473 13 Japanese Yen Dolar Hong Kong 484 - 484 Hong Kong DollarEuro 21.080 20.997 83 EuroDolar Singapura 31.132 31.481 349 Singapore DollarDolar Australia 40.259 40.246 13 Australian DollarYuan China 40.692 40.632 60 China Yuan
Jumlah 3.832.192 3.827.412 5.478 Total
Rekening Administratif/
and Administrative Account
Laporan Posisi Keuangan dan
Statements of Financial Position
31 Desember 2013/December 31, 2013
BersihAbsolut/
Aset/ Liabilitas/ NetMata Uang Assets Liabilities Absolute Currencies
Dolar Amerika Serikat 3.759.938 3.752.359 7.579 United States DollarPoundsterling Inggris 1.656 51 1.605 Great Britain Poundsterling Yen Jepang 38.274 36.886 1.388 Japanese Yen Dolar Hong Kong 787 - 787 Hong Kong DollarEuro 23.757 21.146 2.611 EuroDolar Singapura 37.929 34.822 3.107 Singapore DollarDolar Australia 17.616 16.177 1.439 Australian DollarYuan China 41.082 40.028 1.054 China Yuan
Jumlah 3.921.039 3.901.469 19.570 Total
Rekening Administratif/
and Administrative Account
Laporan Posisi Keuangan dan
Statements of Financial Position
Posisi devisa neto pada tanggal 31 Desember 2014 dan 2013 dihitung berdasarkan Peraturan Bank Indonesia. Rasio PDN Perusahaan pada tanggal 31 Desember 2014 dan 2013 masing-masing adalah sebesar 0,18% dan 0,75%.
Net open position as of December 31, 2014 and 2013 is computed in accordance with the Bank Indonesia Regulation. The NOP ratio as of December 31, 2014 and 2013 are 0.18% and 0.75%, respectively.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 100 -
36. Nilai Wajar Aset Keuangan dan Liabilitas
Keuangan 36. Fair Value of Financial Assets and Liablities
Nilai wajar adalah nilai dimana suatu instrumen keuangan dapat dipertukarkan antara pihak yang memahami dan berkeinginan untuk melakukan transaksi wajar, dan bukan merupakan nilai penjualan akibat kesulitan keuangan atau likuidasi yang dipaksakan. Nilai wajar diperoleh dari kuotasi harga atau model arus kas diskonto.
Fair value is defined as the amount at which the financial instruments could be exchanged in a current transaction between knowledgeable, willing parties in an arm’s length transaction, other than in a forced sale or liquidation. Fair values are obtained from quoted prices, discounted cash flows model, as appropriate.
Berikut adalah nilai tercatat aset keuangan dan estimasi nilai wajar Perusahaan dari aset keuangan dan liabilitas keuangan (tidak termasuk akun Syariah) pada tanggal 31 Desember 2014 dan 2013 adalah sebagai berikut:
The carrying values and the estimated fair values of the Company’s of financial assets and financial liabilities (excluding Sharia accounts) at December 31, 2014 and 2013 are as follows:
Estimasi Nilai Wajar/
Estimasi Nilai Wajar/
Nilai Tercatat/ Carrying value
Estimated Fair value
Nilai Tercatat/ Carrying value
Estimated Fair value
Aset Keuangan Financial AssetsDiukur pada nilai wajar melalui
laporan laba rugi Fair value throughprofit lossEfek-efek - - 20.000 20.000 SecuritiesTagihan derivatif - - 28 28 Derivative receivable
Dimiliki hingga jatuh tempo Held-to-maturityEfek-efek 1.121.957 1.169.207 833.217 884.020 SecuritiesPenempatan pada bank lain dan Placements with other banks and
Bank Indonesia 1.425.679 1.425.679 915.451 915.451 Bank IndonesiaTersedia untuk dijual Available-for-sale
Efek-efek 77.650 77.650 143.489 143.489 SecuritiesPinjaman diberikan dan piutang Loans and receivable
Kas 370.991 370.991 375.908 375.908 CashGiro pada Bank Indonesia 1.486.750 1.486.750 1.441.677 1.441.677 Demand deposits with Bank IndonesiaGiro pada bank lain 379.910 379.910 247.772 247.772 Demand deposits with other banks Penempatan pada bank lain dan Placements with other banks and
Bank Indonesia 265.669 265.669 593.813 593.813 Bank IndonesiaEfek-efek 170.212 170.212 207.001 207.001 SecuritiesEfek yang dibeli dengan janji jual Securities purchased under agreements
kembali - - 139.212 139.212 to resellKredit yang diberikan - bersih 12.519.290 12.840.948 9.924.090 10.179.778 Loans - netTagihan akseptasi 67.836 67.836 238.324 238.324 Acceptance ReceivablePendapatan bunga akrual 83.429 83.429 73.261 73.261 Interest receivableAset lain-lain 40.417 40.417 65.007 65.007 Other assets
Jumlah Aset Keuangan 18.009.790 18.378.698 15.218.250 15.524.741 Total Financial Assets
Liabilitas Keuangan Financial LiabilitiesDiukur pada nilai wajar melalui laba rugi Fair value through profit loss
Liabilitas derivatif 63 63 - - Derivative liabilitiesLiabilitas Keuangan Lain-lain Other financial liability
Liabilitas segera 137.605 137.605 235.999 235.999 Liabilities immediately payableSimpanan 15.514.394 15.514.394 13.191.478 13.191.478 DepositsSimpanan dari bank lain 609.287 609.287 256.674 256.674 Deposits from other banksLiabilitas akseptasi 67.836 67.836 238.324 238.324 Acceptance PayableSurat berharga yang diterbitkan 355 355 355 355 Securities issuedBeban bunga akrual 31.930 31.930 16.925 16.925 Accrued interestLiabilitas lain-lain 4.856 4.856 3.651 3.651 Other liabilities
Jumlah Liabilitas Keuangan 16.366.326 16.366.326 13.943.406 13.943.406 Total Financial Liabilities
2014 2013
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 101 -
Hirarki Nilai Wajar Fair Value Hierarchy Tabel berikut mengungkapkan hirarki nilai wajar dari aset keuangan dan liabilitas keuangan (tidak termasuk akun Syariah) pada tanggal 31 Desember 2014 dan 2013:
The following table discloses the fair value hierarchy of financial assets and liabilities (excluding Sharia accounts) as of December 31, 2014 and 2013:
31 Desember 2014/December 31, 2014
Tingkat 1/Level 1 Tingkat 2/Level 2 Jumlah/Total
Aset KeuanganAset keuangan yang diukur pada Financial Assets
nilai wajar melalui laba rugi Financial assets at FVPLEfek-efek - - - Securities
Tersedia untuk dijual AFS financial assetsEfek-efek 77.650 - 77.650 Securities
Jumlah Aset Keuangan 77.650 - 77.650 Total Financial Assets
Liabilitas KeuanganLiabilitas keuangan yang diukur pada Financial Liabilities
nilai wajar melalui laba rugi Financial liabilities at FVPLLiabilitas derivatif - 63 63 Derivative liabilities
Jumlah Aset Keuangan - 63 63 Total Financial Liabilities
31 Desember 2013/December 31, 2013
Tingkat 1/Level 1 Tingkat 2/Level 2 Jumlah/Total
Aset KeuanganAset keuangan yang diukur pada Financial assets
nilai wajar melalui laba rugi Financial assets at FVPLEfek-efek 20.000 - 20.000 SecuritiesTagihan derivatif - 28 28 Derivative receivables
Tersedia untuk dijual AFS financial assetsEfek-efek 143.489 - 143.489 Securities
Jumlah Aset Keuangan 163.489 28 163.517 Total Financial assets
Nilai wajar instrumen keuangan yang diperdagangkan di pasar aktif adalah berdasarkan kuotasi harga pasar pada tanggal pelaporan. Pasar dianggap aktif apabila kuotasi harga tersedia sewaktu-waktu dan dapat diperoleh secara rutin dari bursa, pedagang efek, perantara efek, kelompok industri atau badan penyedia jasa penentuan harga, atau badan pengatur, dan harga tersebut mencerminkan transaksi pasar yang aktual dan rutin dalam suatu transaksi yang wajar. Kuotasi harga pasar yang digunakan untuk aset keuangan yang dimiliki oleh Perusahaan adalah harga penawaran (bid price) terkini. Instrumen keuangan seperti ini termasuk dalam hirarki Tingkat 1. Instrumen yang termasuk dalam hirarki Tingkat 1 terdiri dari investasi dalam obligasi (termasuk obligasi Pemerintah) dan ROI Loan dan diklasifikasikan sebagai surat berharga tersedia untuk dijual atau diperdagangkan.
The fair value of financial instruments traded in active markets is based on quoted market prices at the reporting date. A market is regarded as active if quoted prices are readily and regularly available from an exchange, dealer, or broker, industry group pricing service, or regulatory agency, and those prices represent actual and regularly occurring market transaction on an arm’s lengths basis. The quoted market price used for financial assets held by the Company is the current bid price. These instruments are included in Level 1. Instruments included in Level 1 comprise investments in bonds (including Government bonds) and ROI Loan classified as trading securities or available-for-sale.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 102 -
Nilai wajar instrumen keuangan yang tidak diperdagangkan di pasar aktif ditentukan menggunakan teknik penilaian. Teknik penilaian ini memaksimalkan penggunaan data pasar yang dapat diobservasi yang tersedia dan sesedikit mungkin mengandalkan estimasi spesifik yang dibuat oleh entitas. Jika seluruh input signifikan yang dibutuhkan untuk menentukan nilai wajar dapat diobservasi, maka instrumen tersebut termasuk dalam hirarki Tingkat 2. Instrumen yang termasuk dalam hirarki Tingkat 2 adalah tagihan derivatif.
The fair value of financial instruments that are not traded in an active market is determined by using valuation techniques. These valuation techniques maximize the use of observable market data where it is available and rely as little as possible on entity’s specific estimates. If all significant inputs required to fair value an instrument are observable, the instrument is included in Level 2. Instrument included in Level 2 is derivatives receivables.
Teknik penilaian spesifik yang digunakan untuk menentukan nilai wajar instrumen keuangan adalah kuotasi harga pasar atau kuotasi harga penjual untuk instrumen sejenis.
Specific valuation techniques used to value financial instruments is quoted market prices or dealer quotes for similar instruments.
Metode dan asumsi berikut ini digunakan oleh Perusahaan untuk melakukan estimasi atas nilai wajar setiap kelompok instrumen keuangan:
The following methods and assumptions were used by the Company to estimate the fair value of each class of financial instrument for which it is practicable to estimate such value:
Nilai wajar efek-efek, kecuali Sertifikat
Bank Indonesia dan wesel ekspor pada tanggal 31 Desember 2014 dan 2013 adalah berdasarkan harga pasar. Nilai wajar Sertifikat Bank Indonesia dan wesel ekspor, adalah mendekati nilai tercatatnya karena bersifat jangka pendek.
The fair values of securities, except for Certificates of Bank Indonesia and export bills, as of December 31, 2014 and 2013 are based on market prices. The fair values of Bank Indonesia Certificates and export bills, are the same with their carrying values due to their short-term in nature.
Nilai wajar kredit yang diberikan pada
tanggal 31 Desember 2014 dan 2013 adalah berdasarkan metode arus kas diskonto menggunakan suku bunga efektif yang berlaku.
The fair values of loans as of December 31, 2014 and 2013 are calculated based on the discounted cash flows method using prevailing effective rates.
Nilai wajar aset keuangan selain efek-efek
dan kredit yang diberikan pada tanggal 31 Desember 2014 dan 2013, adalah mendekati nilai tercatatnya karena bersifat jangka pendek.
The fair values of financial assets other than securities and loans as of December 31, 2014 and 2013, are the same with their carrying value due to their short-term in nature.
Nilai wajar liabilitas keuangan pada
tanggal 31 Desember 2014 dan 2013, dengan fitur dapat ditarik sewaktu-waktu, atau jatuh tempo dalam jangka pendek adalah sama dengan yang terutang pada saat penarikan yakni sebesar nilai tercatatnya.
The fair values of financial liabilities withdrawable at any time, or with short-term maturity at December 31, 2014 and 2013, approximately their carrying values.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 103 -
37. Imbalan Pasca-Kerja 37. Post-Employment Benefits
Besarnya imbalan pasca-kerja dihitung berdasarkan peraturan yang berlaku, yakni Undang-undang No. 13 Tahun 2003 tanggal 25 Maret 2003. Tidak terdapat pendanaan khusus yang disisihkan sehubungan dengan imbalan kerja jangka panjang tersebut.
The Company provides long-term employee benefits to its employee based on the Law No. 13 Year 2003, dated March 25, 2003. No funding of the benefits has been made to date.
Perhitungan aktuaria terakhir atas liabilitas imbalan kerja jangka panjang dilakukan oleh PT Ricky Leonard Jasatama, aktuaris independen, dengan laporan terakhir tertanggal 19 Februari 2015.
The defined long-term employee benefits liability was calculated based on the latest actuarial valuation report dated February 19, 2015 from PT Ricky Leonard Jasatama, an independent actuary.
Jumlah karyawan yang berhak atas imbalan kerja jangka panjang tersebut masing-masing sebanyak 2.396 karyawan dan 2.145 karyawan tahun 2014 dan 2013.
Number of eligible employees is 2,396 and 2,145 in 2014 and 2013, respectively.
Rekonsiliasi jumlah liabiitas imbalan kerja jangka panjang pada laporan posisi keuangan adalah sebagai berikut:
A reconciliation of the present value of long-term employee benefit liability presented in the statements of financial position is as follows:
2014 2013 2012 2011 2010
Nilai kini liabilitas imbalan kerja Present value of unfundedjangka panjang yang tidak didanai 15.568 20.547 25.482 17.908 14.003 long-term employee benefits liability
Keuntungan (kerugian) aktuarial yang tidak diakui 4.541 (1.018) (8.063) (6.333) (5.679) Unrecognized actuarial gain (losses)
Liabilitas imbalan kerja jangka panjang 20.109 19.529 17.419 11.575 8.324 Long-term employee benefits liability
Berikut adalah rincian beban imbalan kerja jangka panjang:
Details of long-term employee benefits expense are as follows:
2014 2013
Beban jasa kini 4.946 7.152 Current service costsBeban bunga 1.040 1.442 Interest costsAmortisasi kerugian aktuarial - 216 Amortization of actuarial losses
Jumlah beban imbalan kerja Tota l long-term employee benefitsjangka pan jang 5.986 8.810 expense
Beban imbalan kerja jangka panjang disajikan sebagai bagian dari “Beban umum dan administrasi” (Catatan 27).
Long-term employee benefits expense is presented as part of “General and administrative expenses” (Note 27).
Mutasi liabilitas imbalan kerja jangka panjang adalah sebagai berikut:
Movements of long-term employee benefit liability are as follows:
2014 2013
Liabilitas imbalan kerja jangka panjang Long-term employee benefits liabilityawal tahun 19.529 17.419 at beginning of the year
Beban imbalan kerja jangka panjang Long-term employee benefits liabilitytahun berjalan 5.986 8.810 expense during the year
Pembayaran selama tahun berjalan (5.406) (6.700) Payments made during the yearLiabilitas imbalan kerja jangka panjang Long-term employee benefits liability
akhir tahun 20.109 19.529 reserve at end of the year
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 104 -
Asumsi-asumsi aktuarial utama yang digunakan dalam perhitungan imbalan kerja jangka panjang:
Principal actuarial assumptions used in the valuation of the long-term employment benefits are as follows:
2014 dan/and 2013
Usia pensiun normal 55 tahun/55 years old Normal pension ageTingkat diskonto 8,5% per tahun pada tahun 2014 dan Discount rate
9,1% per tahun pada tahun 2013/8.5% per annum in 2014 and
9.1% per annum in 2013Tingkat kenaikan gaji 0% per tahun pada tahun 2014 dan Future salary increases
2% per tahun pada tahun 2013/0% per annum in 2014 and
2% per annum in 2013Tingkat perputaran karyawan 9% sampai dengan usia 40 tahun, Level of employee turnover
kemudian menurun secara linear sampai dengan 0% pada saat usia 55 tahun/
9% until 40 years old then decrease to 0% at 55 years old
Tabel mortalita Tabel Mortalita Indonesia 3 pada tahun 2014 dan Mortality tableTabel Mortalita Indonesia 2 pada tahun 2013/
Indonesian 3 Mortality Table in 2014 andIndonesian 2 Mortality Table in 2013
38. Saldo Laba yang Ditentukan Penggunaannya 38. Appropriated Retained Earnings
Berdasarkan Rapat Umum Pemegang Saham yang didokumentasikan dalam Akta No. 44 tanggal 13 Juni 2014 dari Aryanti Artisari, S.H, M.H., notaris di Jakarta, pemegang saham menyetujui untuk menyisihkan saldo laba sebesar Rp 500 untuk cadangan umum.
In the Extraordinary Shareholders Meeting, which was stated in Deed No. 44 dated June 13, 2014 from Aryanti Artisari S.H, M.H., notary in Jakarta, the stockholders agreed to appropriate retained earnings amounting to Rp 500 for general reserve.
Berdasarkan Rapat Umum Pemegang Saham yang didokumentasikan dalam Akta No. 31 tanggal 10 Juni 2013 dari Aryanti Artisari, S.H, M.H., notaris di Jakarta, pemegang saham menyetujui untuk menyisihkan saldo laba sebesar Rp 500 untuk cadangan umum.
In the Extraordinary Shareholders Meeting, which was stated in Deed No. 31 dated June 10, 2013 from Aryanti Artisari S.H, M.H., notary in Jakarta, the stockholders agreed to appropriate retained earnings amounting to Rp 500 for general reserve.
Pada tanggal 31 Desember 2014 dan 2013, saldo laba yang ditentukan penggunaannya untuk cadangan umum adalah masing-masing sebesar Rp 5.000 dan Rp 4.500.
As fo December 31, 2014 and 2013, outstanding appropriate retained earnings for general reserve amounted to Rp 5,000 and Rp 4,500, respectively.
39. Kontinjensi 39. Contingencies Perusahaan menghadapi perkara hukum atau gugatan yang timbul dari kegiatan normal usahanya. Manajemen Perusahaan bersama dengan penasehat hukum berpendapat bahwa liabilitas akhir atas perkara hukum atau gugatan tersebut, jika ada, tidak memiliki pengaruh yang material terhadap laporan keuangan. Oleh karena itu, tidak ada provisi yang dibentuk atas liabilitas kontinjensi tersebut.
The Company is a party to certain lawsuits or claims arising from their ordinary course of business. The Company’s management and legal counsels believe that the eventual liabilities under these lawsuits or claims, if any, will not have a material effect on the financial statements, thus, no provision has been made for these contingent liabilities.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 105 -
40. Informasi Segmen 40. Segment Information
a. Segmen Usaha a. Operating Segments
Informasi segmen Perusahaan disajikan berdasarkan jenis kegiatan usahanya, yakni pemasaran dan kredit, treasuri, dan ekspor-impor. Kegiatan usaha tersebut menjadi dasar pelaporan informasi segmen primer Perusahaan, sebagai berikut:
The Company’s segment information is presented based on it’s business activities, namely marketing and credit, treasury, and trade finance. These business activities are the basis on which the Company reports its operating segment information, as follows:
Pemasaran Pemasarandan Kredit/ dan Kredit/Marketing Treasuri/ Ekspor-impor/ Marketing Treasuri/ Jumlah/and Credit Treasury Trade Finance and Credit Treasury Total
Pendapatan RevenuesInterest revenues and
Pendapatan bunga dan bagi hasil 1.401.901 189.417 - 196.244 6.944 1.794.506 profit sharingPendapatan operasional lainnya 51.654 13.945 1.213 15.009 284 82.105 Other operating revenues
Jumlah Pendapatan 1.453.555 203.362 1.213 211.253 7.228 1.876.611 Total Revenues
Beban ExpensesInterest expense and
Beban bunga dan bagi hasil 712.776 21.507 - 63.516 9.082 806.881 profit sharingBeban operasional lainnya 15.904 5.894 - 23.615 15 45.428 Other operating expenses
Jumlah Beban 728.680 27.401 - 87.131 9.097 852.309 Total Expenses
Pendapatan segmen - bersih 1.024.302 Segment revenues - netPendapatan yang tidak dapat
dialokasikan 169.001 Unallocated revenuesBeban yang tidak dapat dialokasikan 992.408 Unallocated expenses
Laba sebelum pajak 200.895 Income before taxBeban pajak (45.963) Tax expense
Laba bersih 154.932 Net Income
2014
Commercial Bank Sharia Business UnitBank Umum/ Unit Usaha Syariah/
Pemasaran Pemasarandan Kredit/ dan Kredit/Marketing Treasuri/ Ekspor-impor/ Marketing Treasuri/ Jumlah/and Credit Treasury Trade Finance and Credit Treasury Total
Pendapatan RevenuesInterest revenues and
Pendapatan bunga dan bagi hasil 1.117.388 157.746 - 102.884 12.129 1.390.147 profit sharingPendapatan operasional lainnya 86.189 10.760 2.919 5.958 2 105.828 Other operating revenues
Jumlah Pendapatan 1.203.577 168.506 2.919 108.842 12.131 1.495.975 Total Revenues
Beban ExpensesInterest expense and
Beban bunga dan bagi hasil 530.614 1.300 - 31.381 492 563.787 profit sharingBeban operasional lainnya 446 5.062 - 2.479 121 8.108 Other operating expenses
Jumlah Beban 531.060 6.362 - 33.860 613 571.895 Total Expenses
Pendapatan segmen - bersih 924.080 Segment revenues - netPendapatan yang tidak dapat
dialokasikan 169.412 Unallocated revenuesBeban yang tidak dapat dialokasikan 807.382 Unallocated expenses
Laba sebelum pajak 286.110 Income before taxBeban pajak 65.000 Tax expense
Laba bersih 221.110 Net Income
2013
Commercial Bank Sharia Business UnitBank Umum/ Unit Usaha Syariah/
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 106 -
Pemasaran Pemasarandan Kredit/ dan Kredit/Marketing Treasuri/ Ekspor-impor/ Marketing Treasuri/ Jumlah/and Credit Treasury Trade Finance and Credit Treasury Total
Aset AssetsAset segmen 12.849.226 4.985.870 68.591 1.799.904 105.882 19.809.473 Segment assetsAset yang tidak dapat dialokasikan 1.450.076 Unallocated assets
Jumlah Aset 21.259.549 Total Assets
Liabilitas LiabilitiesLiabilitas segmen 16.216.346 1.081 67.837 1.431.836 156.910 17.874.010 Segment liabilitiesLiabilitas yang tidak dapat dialokasikan 225.057 Unallocated liabilities
Jumlah Liabilitas 18.099.067 Total Liabilities
2014Bank Umum/
Commercial BankUnit Usaha Syariah/
Sharia Business Unit
Pemasaran Pemasarandan Kredit/ dan Kredit/Marketing Treasuri/ Ekspor-impor/ Marketing Treasuri/ Jumlah/and Credit Treasury Trade Finance and Credit Treasury Total
Aset AssetsAset segmen 10.253.770 4.561.257 239.425 1.092.656 61.462 16.208.570 Segment assetsAset yang tidak dapat dialokasikan 1.238.885 Unallocated assets
Jumlah Aset 17.447.455 Total Assets
Liabilitas LiabilitiesLiabilitas segmen 13.499.032 883 238.324 627.583 7 14.365.829 Segment liabilitiesLiabilitas yang tidak dapat dialokasikan 327.366 Unallocated liabilities
Jumlah Liabilitas 14.693.195 Total Liabilities
2013Bank Umum/
Commercial BankUnit Usaha Syariah/
Sharia Business Unit
b. Segmen Geografis b. Geographical Segments
Pendapatan bunga berdasarkan wilayah geografis adalah sebagai berikut:
Interest revenues based on geographical segments are as follows:
2014 2013
DKI Jakarta 1.211.986 850.933 Jakarta - Capital CityPulau Jawa (diluar Jakarta) 275.080 242.207 Java island (excluding Jakarta)Pulau Sumatera 144.083 162.896 Sumatera islandPulau Sulawesi dan Maluku 88.403 74.320 Sulawesi and Maluku islandPulau Bali dan Lombok 40.131 33.387 Bali and Lombok islandPulau Kalimantan 20.446 16.410 Kalimantan islandPulau Papua 14.377 9.994 Papua island
Jumlah 1.794.506 1.390.147 Total
Nilai tercatat aset segmen dan tambahan atas aset tetap berdasarkan wilayah geografis atau lokasi aset tersebut adalah sebagai berikut:
The carrying value of segment assets and additions to premises and equipment classified based on geographical region or location of the assets are as follows:
2014 2013 2014 2013
DKI Jakarta 15.582.063 11.675.457 79.284 72.252 Jakarta - Capital CityPulau Jawa Java island
(diluar Jakarta) 1.796.428 1.960.963 13.457 14.045 (excluding Jakarta)Pulau Sumatera 1.218.209 1.457.200 5.563 8.142 Sumatera islandPulau Sulawesi dan Maluku 606.359 653.394 1.152 5.112 Sulawesi and Maluku islandPulau Bali dan Lombok 330.611 241.278 1.504 3.033 Bali and Lombok islandPulau Papua 122.437 118.886 2.195 2.876 Papua islandPulau Kalimantan 153.366 101.392 1.913 1.547 Kalimantan island
Jumlah 19.809.473 16.208.570 105.068 107.007 Total
Carrying Value of Segment Assets Additions to Premises and EquipmentNilai Tercatat Aset Segmen/ Penambahan Aset Tetap/
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 107 -
41. Tujuan dan Kebijakan Manajemen Risiko
Keuangan 41. Financial Risk Management Objectives and
Policies Dalam melaksanakan kegiatannya, Perusahaan menyadari bahwa situasi lingkungan eksternal dan internal perbankan telah mengalami perkembangan yang diikuti dengan semakin kompleksnya risiko kegiatan usaha perbankan dan meningkatnya kebutuhan akan praktek tata kelola yang sehat (Good Corporate Governance). Sebagai tanggapan Perusahaan terhadap kondisi tersebut, Perusahaan telah mengimplementasikan kerangka menajemen risiko secara terpadu yang dituangkan dalam Kebijakan Penerapan Manajemen Risiko. Kerangka tersebut digunakan sebagai dasar dalam menetapkan strategi, struktur organisasi, kebijakan dan pedoman serta memperkuat infrastruktur manajemen risiko guna memastikan bahwa semua risiko yang dihadapi Perusahaan dapat dikenali, diukur, dikendalikan, dimitigasi dan dilaporkan dengan baik.
In the performance of its activities, the Company recognizes that both external and internal banking environment have been developed, following the increase in complexity of risks in the banking industry and necessity of a Good Corporate Governance. As a response to the condition of the Company’s environment, the Company has adopted a risk management policy for the purpose of ensuring that any risks resulting from its operating activities are identified, measured, managed, and reported. This risk management policy would in turn generate benefits to the Company such as increased public and shareholders’ trust, increased accuracy in projection of future performance, including any possibility of loss occurrence, and improved methods and processes of decision-making, as well as risk valuation, through the availability of updated information, which eventually would increase the performance and competitive power of the Company.
Perusahaan terus berupaya mengembangkan fungsi manajemen risiko secara berkelanjutan, serta terus mengembangkan dan meningkatkan kerangka sistem pengelolaan risiko dan pengendalian internal yang terpadu dan komprehensif. Dengan didukung dengan sistem informasi manajemen yang terintegrasi, maka pengelolaan risiko di internal perusahaan dapat dioptimalkan. Namun, selain itu perusahaan tetap harus mereview keandalan system pengendalian internal dan sistem informasi manajemen supaya sistem pengelolaan risiko tidak ketinggalan jaman.
The Company is continuously developing and enhancing framework and internal control structure that is integrated and comprehensive to be at par with leading international banks, risk management practices, in order to provide the Company with early warning indications of potential risks and for the Company to adoptrisk mitigation measures to minimize those risks. The risk management framework is in the form of policies, procedures transactions and authorization limits, as well as other internal rules and various risk management tools, in all aspects of the business activities.
Perusahaan memiliki Satuan Kerja Manajemen Risiko (SKMR) yang bekerja secara independen dari unit bisnis dan audit internal. SKMR bertugas untuk menunjang pengelolaan risiko yang lebih menyeluruh, terpadu, terukur dan terkendali. Tugas dan tanggung jawab SKMR mencakup:
The Company has the Unity of Corporate Risk Management (SKMR) that works independently from business units and internal audit. SKMR supports the integrated and measurable risk management and carrying out the following functions:
a. Menyusun dan menyampaikan laporan
profil risiko secara triwulan kepada Bank Indonesia.
a. Prepares and reports risks profile to Bank Indonesia on a quarterly basis.
b. Melakukan telaah risiko dan memberikan
pendapat terhadap seluruh jenis risiko yang melekat sebelum suatu transaksi diputuskan atau dilaksanakan yang meliputi Risiko Kredit, Risiko Pasar, Risiko Likuiditas, Risiko Operasional, Risiko Hukum, Risiko Strategis, Risiko Kepatuhan dan Risiko Reputasi.
b. Analyzes risks and gives opinion on all different risks before any transaction would be approved by management, including Credit Risk, Market Risk, Liquidity Risk, Operational Risk, Legal Risk, Strategic Risk, Compliance Risk, and Reputation Risk.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 108 -
c. Mempersiapkan konsep dan metode
pengukuran terhadap risiko komposit dari seluruh jenis risiko sesuai dengan pedoman standar Bank Indonesia dan Kebijakan Manajemen Risiko yang telah dibuat.
c. Prepares concepts and methods to measure the composites risks from various risks based on standard guidelines of Bank Indonesia and Risk Management Policy.
Dalam pelaksanaannya, penerapan manajemen risiko Perusahaan meliputi pengawasan aktif manajemen, penerapan kebijakan dan prosedur, penetapan limit risiko, proses identifikasi, pengukuran dan pemantauan risiko, penerapan sistem informasi dan pengendalian risiko serta sistem pengendalian internal.
The Company’s adoption of risk management includes active supervision by management, establishing policies and procedures, setting-up risk limits, developing a process of identifying, measuring and monitoring risks, and establishing information system and risk control, as well as an internal control system.
Risiko Kredit Credit Risk Risiko kredit adalah risiko yang terjadi akibat kegagalan pihak lawan (counterparty) memenuhi liabilitasnya, yang timbul dari aktivitas fungsional Perusahaan seperti perkreditan (penyediaan dana), tresuri, investasi dan pembiayaan perdagangan (trade finance).
Credit risk arises from failure of the counterparty to fulfill its obligations to the Company. This risk results from the Company’s functional activities such as credit (lending), treasury, investment and trade financing.
Risiko kredit dikelola melalui penetapan kebijakan - kebijakan dan proses-proses yang meliputi kriteria pemberian kredit dan persetujuan kredit, penetapan harga, pemantauan, pengelolaan kredit bermasalah dan manajemen portofolio. Perusahaan juga dengan ketat memantau perkembangan portofolio kredit Perusahaan yang memungkinkan Perusahaan untuk melakukan tindakan pencegahan secara tepat waktu (Early Warning) apabila terjadi penurunan kualitas kredit.
Credit risk is managed through the establishment of policies and processes that include lending criteria and credit approval, pricing, monitoring, management of problem loans and portfolio management. The Company also monitors the development of the Company's loan portfolio that allows the Company to carry out preventive measures in a timely fashion (Early Warning) when a decline in quality of credit.
Proses pemantauan kualitas kredit sampai dengan penanganan kredit bermasalah terus ditingkatkan dengan berbagai strategi yang dimonitor secara periodik untuk memastikan agar kualitas portofolio kredit tetap terjaga. Pengelolaan kredit yang efektif dapat meminimalkan kerugian dan mengoptimalkan penggunaan modal yang dialokasikan untuk risiko kredit.
The periodic process of monitoring credit quality and handling of problem loans, continuously improved with strategies that are monitored periodically to ensure that credit quality is maintained. Effective credit management can minimize losses and optimize the use of capital allocated to credit risk.
Perusahaan telah membentuk beberapa unit kerja dan komite yang bertanggung jawab untuk mengendalikan dan memitigasi risiko yang secara potensial dihadapi oleh Perusahaan. Satuan Kerja Manajemen Risiko (SKMR) telah dibentuk untuk membantu Direksi dalam memastikan bahwa kerangka manajemen risiko yang ada telah memadai dalam mengidentifikasi dan memiliki mekanisme kontrol untuk meminimalisasi berbagai risiko usaha yang dihadapi oleh Perusahaan. SKMR bekerja secara independen terhadap unit-unit operasional dan bertanggung jawab langsung kepada Direktur Manajemen Risiko.
The Company has established several work units and committees that have responsibles for controlling and mitigating risk which pottentially faced by the Company. Risk Management Unit (SKMR) has been formed to assist the Directors in ensuring that the existing risk management framework is adequate in identifying and has control mechanism in minimizing business risks faced by Company. SMKR works independently from operational units and is directly responsible to the Risk Management Director.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 109 -
Perusahaan mengikuti konsep 3 Baris Pertahanan (3 lines of defenses) yaitu unit pengelola risiko, unit manajemen risiko dan audit internal. Unit pengelola risiko mengelola risiko yang melekat dalam kegiatan bisnis mereka sehari-hari sedangkan unit manajemen risiko bertanggung jawab untuk menetapkan kerangka kerja manajemen risiko dan mengembangkan perangkat dan metodologi yang diperlukan. Sedangkan Internal Audit, memberikan dukungan secara independen bagi efektivitas pendekatan manajemen risiko sebagai lini ketiga dari pengendalian intern.
The Company follows the concept of the lines of defense comprises of risk administrating unit, the unit of risk management and internal audit. Risk management unit manages the inherent risks in daily business activities while risk administrating unit is responsible for setting the risk management framework and develop necessary tools and methodologies. While internal audits provide independent support for the effectiveness of the risk management approach as a third line of internal control.
Perusahaan telah memiliki kebijakan dan pedoman tertulis terkait dengan kegiatan perkreditan yang antara lain mengatur prosedur analisa kredit, persetujuan kredit, pencatatan dan pengawasan kredit, dan restrukturisasi kredit. Kebijakan dan prosedur tersebut dikaji secara berkala untuk disesuaikan dengan ukuran dan kompleksitas bisnis Perusahaan.
The Company already has written policies and guidelines on its lending activities in order to manage, among others, credit analysis procedures, credit approval procedures, credit recording and monitoring procedures, and credit restructuring. Policies and procedures are reviewed periodically to suit the size and complexity of the Company's business.
Perusahaan mengukur dan memantau risiko untuk setiap debitur baik secara individual, sektor ekonomi maupun seluruh portofolio kredit dengan menerapkan four - eyes principle secara konsisten. Perusahaan juga telah menerapkan standar dan prosedur untuk mendukung terciptanya suatu proses pemberian kredit yang mempertimbangkan risiko dan perolehan hasil.
The Company measures and monitors risk for every debtor either individually, or by the economic sector as well as the entire credit portfolio by implementing the four-eyes principle consistenly. The Company also implemented procedures and measures to support the process of granting credit by considering risk and return.
Dalam rangka memenuhi ketentuan regulator/otoritas dan mendukung program Pemerintah terkait penyaluran kredit Usaha Mikro, Kecil dan Menengah (UMKM), maka sepanjang tahun 2014, Perusahaan mulai fokus menyalurkan kredit pada segmen UMKM. Ke depannya, Perusahaan akan lebih menggiatkan penyaluran kredit retail tersebut. Untuk mendukung rencana pertumbuhan kredit retail, Perusahaan telah menyediakan sarana dan infrastruktur pendukung seperti mengembangkan produk mikro, mengembangkan sistem Loan Origination System (LOS) yang digunakan sebagai salah satu bahan pertimbangan komite untuk memutuskan kredit, mempersiapkan sumber daya manusia secara kuantitas dan kualitas, serta mempersiapkan kebijakan dan prosedur kerja.
In order to comply with regulators/authority and to support the Government programs on micro, small and middle credit (UMKM) distribution, the Company has started to focus on distributing credits to UMKM business in 2014. In the future, the Company will more focus on distribution of retail credit. To support the growth of retail credit, the Company has provided supporting facilities and infrastructure such as developing micro product, set-up Loan Origination System that is used as one of committee’s consideration for credit approval, preparing human resources, and preparing job policies and procedures in terms of quantity and quality.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 110 -
Berikut adalah eksposur maksimum instrumen keuangan dalam laporan posisi keuangan dan rekening administratif yang terkait risiko kredit pada tanggal 31 Desember 2014 dan 2013:
The maximum exposure of financial instruments related to credit risk as shown in the statement of financial position as of December 31, 2014 and 2013 are as follows:
Jumlah Bruto/ Jumlah Neto/ Jumlah Bruto/ Jumlah Neto/Gross amounts Net amounts Gross amounts Net amounts
Laporan Posisi Keuangan Statements of Financial Position
Diukur pada nilai wajar melalui laporan laba rugi Fair value through profit and lossEfek-efek Securities
Obligasi korporasi 10.483 10.378 40.846 40.638 Corporate bondsAset lain-lain Other assets
Tagihan derivatif - - 28 28 Derivative receivableDimiliki hingga jatuh tempo Held-to-maturity
Penempatan pada bank lain Placements with other banks Negotiable Certificate of Deposit 42.900 42.900 - - Negotiable Certificate of Deposit
Efek-efek SecuritiesObligasi korporasi 205.003 204.983 4.012 3.972 Corporate bonds
Tersedia untuk dijual Available for sale Efek-efek Securities
Obligasi korporasi 57.366 57.366 127.454 127.454 Corporate bondsPinjaman yang diberikan dan piutang Loans and receivable
Giro pada bank lain 379.910 379.910 247.772 247.772 Demand deposits from other banksPenempatan pada bank lain dan Bank Indonesia Placements with other banks and Bank Indonesia
Call money 263.851 263.851 432.113 432.113 Call moneyDeposit on call 1.818 1.818 - - Deposit on callDeposito berjangka - - 161.700 161.700 Time deposits
Efek-efek SecuritiesTagihan atas wesel ekspor 170.213 170.213 207.001 207.001 Bills receivable
Kredit yang diberikan (termasuk kredit Loan (including loans yang diberikan berdasarkan prinsip syariah) 14.298.435 14.223.357 10.966.071 10.909.738 based on sharia principles)
Tagihan akseptasi 67.836 67.836 238.324 238.324 Acceptance receivablePenyertaan modal sementara 173.800 173.800 - - Temporary investmentPendapatan bunga akrual 83.429 83.429 73.261 73.261 Interest receivableAset lain-lain 41.171 40.417 66.108 65.077 Other assets
Jumlah 15.796.215 15.720.258 12.564.690 12.507.078 Total
Komitmen dan kontinjensi Commitment and Contingencies
Fasilitas kredit kepada nasabah yang belum digunakan 486.114 486.114 265.516 265.516 Unused loan commitments
Bank garansi 1.049.744 1.049.744 921.253 921.253 Bank guaranteeIrrevocable letters of credit 17.824 17.824 67.942 67.942 Irrevocable letters of credit
Jumlah 1.553.682 1.553.682 1.254.711 1.254.711 Total
2014 2013
Eksposur maksimum risiko kredit tercermin dari persentase setiap kategori kredit yang diberikan terhadap jumlah kredit. Portofolio kredit yang diberikan terdiversifikasi ke dalam 20 jenis sektor ekonomi, dimana untuk posisi 31 Desember 2014 dan 2013, kelompok sektor ekonomi yang memperoleh penyaluran kredit terbesar dari Perusahaan adalah sektor ekonomi Rumah Tangga dan Perdagangan Besar dan Eceran.
The maximum exposure to credit risk is reflected in the percentage of each category of loan to total loan exposure. Loans portfolio diversified into 20 types of economic sectors, wherein as of December 31, 2014 and 2013, Households and Wholesale and Retail economic sector obtained the largest loans from the Company.
Perusahaan mengkategorikan debitur yang menerima kredit berdasarkan segmen pasar, yaitu korporasi, komersial dan ritel. Tabel dibawah ini menunjukan komposisi kredit yang diberikan Perusahaan berdasarkan segmen pasar beserta tingkat NPL pada tanggal 31 Desember 2014 dan 2013:
The Company categorizes borrowers based on market segments, namely; corporate, commercial and retail. The table below shows the composition of credit provided by the Company based on market segment and its level of NPL as of December 31, 2014 and 2013:
Baki Debet/ Kredit bermasalah/ Baki Debet/ Kredit bermasalah/Outstanding loan Non-performing loan Outstanding loan Non-performing loan
% % % %
Korporasi 42,50 31,71 29,32 71,84 CorporateKomersial 22,82 25,12 21,13 2,84 CommercialRitel 34,68 43,17 49,55 25,32 Retail
Jumlah 100,00 100,00 100,00 100,00 Total
2014 2013
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 111 -
Sebagai bagian dari manajemen portofolio, Perusahaan juga melakukan pemantauan perkembangan risiko portofolio kredit melalui perhitungan Credit Risk Profile yang menggambarkan potensi risiko inheren dan efektifitas kualitas penerapan manajemen risiko. Perusahaan juga melakukan monitoring perkembangan dan kualitas portofolio berdasarkan konsentrasi per kategori portofolio, 25 debitur besar, sektor industri, sektor wilayah, jenis produk, tujuan penggunaan, dan jenis valuta. Dengan demikian, Perusahaan dapat mengambil langkah-langkah antisipasi dan mitigasi risiko secara portofolio maupun secara individu dan juga melalui penyempurnaan proses penerapan manajemen risiko kredit, baik melalui penyempurnaan kebijakan perkreditan maupun pengembangan sistem infomasi kredit yang memadai.
As part of the portfolio management, the Company also monitors the development of credit portfolio risk through the calculation of Credit Risk Profile which reflects the inherent risks and the effectiveness of the quality of risk management. The Company also monitors progress and quality of the portfolio based on portfolio concentration, 25 biggest debtors, the industrial sector, region, product type, intended use, and the type of currency. Thus, the Company may take anticipation steps and risk mitigation in portfolio or individually as well as through improvement of credit risk management process, either by improving the credit policy and the development of adequate credit information system.
Berikut adalah eksposur risiko kredit atas aset Perusahaan (termasuk kredit yang diberikan berdasarkan prinsip syariah) pada tanggal 31 Desember 2014 dan 2013:
The credit exposure related to Company’s assets (including loans based on sharia principles) as of December 31, 2014 and 2013 are as follows:
Telah jatuh tempoBelum jatuh tempo tetapi tidak
dan tidak mengalami mengalami Mengalamipenurunan nilai/ penurunan nilai/ penurunanNeither past due past due but nilai/ Jumlah/
nor impaired not Impaired Impaired Total
Giro pada bank lain 379.910 - - 379.910 Demand deposits with other banks Penempatan pada bank lain Placements with other banks
Dimiliki hingga jatuh tempo 42.900 - - 42.900 Held-to-maturityPinjaman yang diberikan dan
piutang 265.669 - - 265.669 Loans and receivableEfek-efek Securities
Diukur pada nilai wajar At fair value through profit and melalui laba rugi 10.483 - - 10.483 loss
Dimiliki hingga jatuh tempo 205.003 - - 205.003 Held-to-maturity Tersedia untuk dijual 57.366 - - 57.366 Available for salePinjaman yang diberikan dan piutang 170.212 - - 170.212 Loans and receivable
Kredit yang diberikan 13.895.369 - 403.066 14.298.435 Loans Tagihan akseptasi 67.836 - - 67.836 Acceptance receivablePenyertaan modal sementara 173.800 - - 173.800 Temporary investmentPendapatan bunga akrual 83.429 - - 83.429 Interest receivableAset lain-lain 40.417 - 754 41.171 Other assets
Jumlah 15.392.394 - 403.820 15.796.214 Total
2014
Telah jatuh tempoBelum jatuh tempo tetapi tidak
dan tidak mengalami mengalami Mengalamipenurunan nilai/ penurunan nilai/ penurunanNeither past due past due but nilai/ Jumlah/
nor impaired not Impaired Impaired Total
Giro pada bank lain 247.772 - - 247.772 Demand deposits with other banks Penempatan pada bank lain Placements with other banks
Pinjaman yang diberikan danpiutang 593.813 - - 593.813 Loans and receivable
Efek-efek Securities Diukur pada nilai wajar At fair value through profit and
melalui laba rugi 40.846 - - 40.846 loss Dimiliki hingga jatuh tempo 4.012 - - 4.012 Held-to-maturity Tersedia untuk dijual 127.454 - - 127.454 Available for salePinjaman yang diberikan dan piutang 207.001 - - 207.001 Loans and receivable
Kredit yang diberikan 10.689.337 172 276.562 10.966.071 Loans Tagihan akseptasi 238.324 - - 238.324 Acceptance receivablePendapatan bunga akrual 73.261 - - 73.261 Interest receivableAset lain-lain 65.007 - 1.101 66.108 Other assets
Jumlah 12.286.827 172 277.663 12.564.662 Total
2013
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 112 -
Risiko Pasar Market Risk Dalam melaksanakan aktivitasnya, Perusahaan terekspos pada risiko pasar yang terdiri atas risiko suku bunga dan risiko nilai tukar. Risiko pasar antara lain terdapat pada aktivitas fungsional Perusahaan seperti kegiatan treasuri dan investasi dalam surat berharga dan pasar uang, kegiatan pendanaan dan penerbitan surat utang, serta kegiatan pembiayaan perdagangan (trade finance). Perusahaan senantiasa melakukan pengelolaan terhadap risiko pasar tersebut secara rutin dan/atau berkala.
In conducting its activities, the Company is exposed to market risk consisting of interest rate risk and foreign exchange risk. Market risk, among others present in the functional activity of the company, such as treasury activities and investments in securities and financial markets, financing activities and the issuance of debt and trade financing activities (trade finance). The Company always manages management of market risk on a regular basis and/or periodically.
Pemantauan terhadap risiko pasar dilakukan secara harian yang memuat informasi mengenai posisi surat berharga yang dimiliki Perusahaan, Posisi Devisa Neto (PDN) baik PDN 30 menit maupun PDN akhir hari, serta pemantauan limit-limit risiko pasar lainnya, seperti Value at Risk (VaR) nilai tukar, maksimum posisi surat berharga per issuer, seri, kategori dan maksimum durasi per kategori surat berharga.
The monitoring of market risks are made daily that is consist of information about securitites position that is owned by the Company, Net Open Position (NOP) either NOP in 30 minutes or in the end of the day, and also monitoring of other market risks limits, such as Value at Risk (VaR) of monetary exchange, maximum position of securities per issuer, series, categories and maximum duration per category of securites.
a. Risiko Suku Bunga a. Interest Rate Risk
Pengelolaan risiko suku bunga dilakukan terhadap posisi instrumen keuangan baik dalam trading book maupun banking book. Risiko suku bunga dalam trading book dihitung dengan metode standar sesuai dengan ketentuan Bank Indonesia yang berlaku, yaitu meliputi risiko spesifik (menggunakan Metode Jatuh Tempo) dan risiko umum. Sedangkan risiko suku bunga dalam banking book dikelola dengan melakukan analisa repricing gap antara Risk Sensitive Asset (RSA) dan Risk Sensitive Liabilities (RSL). Analisa repricing gap dilakukan untuk mengukur dampak dari perubahan suku bunga (naik/turun) pada banking book tersebut terhadap pendapatan bunga bersih (NII). Pengelolaan risiko suku bunga dilengkapi dengan analisa sensitivitas secara periodik untuk mengukur dampak dari perubahan suku bunga yang signifikan. Berdasarkan simulasi, dampak kenaikan suku bunga sebesar 0,50% terhadap posisi RSA dan RSL Perusahaan pada tanggal 31 Desember 2014 dan 2013 berpotensi menurunkan NII sebesar + Rp 10 Milyar akibat dari tingginya/rendahnya beban bunga dari RSL dan tingginya/rendahnya pendapatan bunga RSL dengan suku bunga mengambang.
Management of interest rate risk of financial instruments carried on the position in both the trading book and the banking book. Interest rate risk in the trading book is calculated by standard methods in accordance with Bank Indonesia regulations, which include specific risk (using the Maturity method) and general risk. While the interest rate risk in the banking book is managed by repricing gap analysis between Risk Sensitive Assets (RSA) and Risk Sensitive Liabilities (RSL). Repricing gap analysis conducted to measure the impact of changes in interest rates (up/down) on the banking book is the net interest income (NII). Management of interest rate risk sensitivity analysis features periodically to measure the impact of changes in interest rates significantly. As of December 31, 2014 and 2013, if interest rates on Risk Sensitive Assets (RSA) and Risk Sensitive Liabilities (RSL) are denominated in Rupiah higher/lower respectively by 0.50%, the Company's interest income earnings potential after tax for the current year will be lower/higher by Rp 10 billion, as a result of higher/lower interest expense from the RSL and higher/lower interest income from floating rate RSL.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 113 -
Risiko suku bunga dipantau secara harian antara lain terhadap posisi surat berharga yang dimiliki Perusahaan khususnya yang terekspos risiko pasar, yaitu surat berharga dalam kategori Available for Sale dan Trading Book. Perusahaan memiliki limit/Management Action Trigger yang menjadi acuan bagi Perusahaan dalam mengambil tindakan apabila terdapat potensi kerugian (potential loss) yang timbul dari proses marked to market.
Interest rate risk is monitored on a daily basis such as the position of the securities held by the Company in particular exposed market risk, ie securities in the Available for Sale category and Trading Book. The Company has a limit/Management Action Trigger as a guidance for the Company to take action when there is a potential loss arising from the process of marked to market.
Tabel berikut merupakan rata-rata suku bunga efektif per tahun untuk aset dan liabilitas yang signifikan (tidak termasuk akun Syariah):
The following table is an average effective interest rate per annum for the significant assets and liabilities (excluding Sharia accounts):
RupiahMata Uang Asing/
Foreign Currencies% %
Aset AssetsPenempatan pada bank lain dan Placements with other banks and
Bank Indonesia (termasuk giro pada Bank Indonesia (including Demand bank lain) 3,71 0,14 deposits with other banks)
Kredit yang diberikan 13,73 6,81 Loans
Liabilitas LiabilitiesSimpanan 5,74 0,83 DepositsSimpanan dari bank lain 4,28 0,04 Deposits from other banks
RupiahMata Uang Asing/
Foreign Currencies% %
Aset AssetsPenempatan pada bank lain dan Placements with other banks and
Bank Indonesia (termasuk giro pada Bank Indonesia (including Demand bank lain) 3,39 1,13 deposits with other banks)
Kredit yang diberikan 13,19 5,16 Loans
Liabilitas LiabilitiesSimpanan 4,80 1,10 DepositsSimpanan dari bank lain 2,03 0,04 Deposits from other banks
2014
2013
Tabel berikut ini menyajikan portofolio Perusahaan (tidak termasuk portofolio yang diperdagangkan) pada nilai tercatatnya, yang dikelompokkan menurut mana yang lebih awal antara tanggal re-pricing atau tanggal jatuh tempo kontraktual:
The following table presents the Company's portfolio (excluding the trading portfolio) at their carrying values, which are grouped according to which the earlier the re-pricing date or contractual maturity dates:
Sampai > 1 bulan > 3 bulan > 1 tahun
dengan s.d. s.d. s.d.
1 bulan/ 3 bulan/ 1 tahun/ 2 tahun/
1 month More than More than More than > 2 tahun/
or 1 month until 3 month until 1 year until More than Jumlah/
less 3 months 1 year 2 years 2 years Total
Aset AssetsBunga Mengambang Floating rate
Giro pada bank lain 379.910 - - - - 379.910 Demand deposits with other banks Kredit yang diberikan 415.943 892.367 3.943.974 1.495.991 2.669.039 9.417.314 Loans
Liabilitas LiabilitiesBunga Mengambang Floating rate
Simpanan 8.248.490 - - - - 8.248.490 DepositsSimpanan dari bank lain 78.862 - - - - 78.862 Deposits from other banks
2014
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 114 -
Sampai > 1 bulan > 3 bulan > 1 tahun
dengan s.d. s.d. s.d.
1 bulan/ 3 bulan/ 1 tahun/ 2 tahun/
1 month More than More than More than > 2 tahun/
or 1 month until 3 month until 1 year until More than Jumlah/
less 3 months 1 year 2 years 2 years Total
Aset AssetsBunga Mengambang Floating rate
Giro pada bank lain 247.772 - - - - 247.772 Demand deposits with other banks Kredit yang diberikan 52.058 638.524 3.216.406 543.849 1.985.335 6.436.172 Loans
Liabilitas LiabilitiesBunga Mengambang Floating rate
Simpanan 8.915.134 - - - - 8.915.134 DepositsSimpanan dari bank lain 201.474 - - - - 201.474 Deposits from other banks
2013
b. Risiko Nilai Tukar b. Foreign Exchange
Kebijakan pengelolaan risiko nilai tukar berpedoman pada batas Posisi Devisa Neto (PDN) sesuai ketentuan Bank Indonesia yaitu Perusahaan wajib mengelola dan memelihara PDN paling tinggi 20% dari Modal. Untuk memudahkan Treasury Dealer dalam melakukan pemantauan terhadap PDN, maka Perusahaan telah mengembangkan program bantu yang secara otomatis dapat menunjukkan PDN. Selain itu, pengelolaan risiko nilai tukar secara harian juga dilakukan Perusahaan dengan cara menghitung potensi kerugian yang mungkin timbul sebagai dampak dari adanya perubahan nilai tukar terhadap posisi Perusahaan. Pada tanggal 31 Desember 2014 dan 2013, jika mata uang Rupiah melemah/menguat sebesar 0,35% terhadap Dolar Amerika Serikat dengan asumsi variabel lain konstan, maka laba setelah pajak untuk tahun berjalan akan lebih tinggi (rendah) masing-masing sebesar Rp 99 dan Rp 417, terutama diakibatkan keuntungan (kerugian) dari penjabaran aset keuangan yang diukur pada nilai wajar melalui laporan laba rugi, efek utang diklasifikasikan sebagai tersedia untuk dijual, serta keuntungan (kerugian) penjabaran pinjaman dalam mata uang Dolar Amerika Serikat.
Foreign exchange risk management policy is based on the Net Open Position (NOP) limits in accordance with Bank Indonesia, wherein the Company shall manage and maintain NOP for a maximum of 20% of the capital. To facilitate Treasury Dealers in monitoring the NOP, the Company has developed a program that can automatically show the NOP. In addition, the Company’s daily management of exchange rate risk also done by calculating the potential losses that may arise as a result of changing in the exchange rate to the Company's position. As of December 31, 2014 and 2013, if the Rupiah currency weakened/ strengthened by 0.35% against the U.S. dollar, assuming other variables constant, the profit after tax for the current year will be higher (lower) by Rp 99 and Rp 417, respectively, mainly due to gains (losses) on translation of financial assets at fair value through profit or loss, debt securities classified as available for sale, as well as gains (losses) on translation of debt denominated in U.S. Dollars.
Perusahaan telah menetapkan berbagai limit untuk mengantisipasi risiko pasar atas mata uang asing baik karena perubahan kurs maupun fluktuasi suku bunga. Limit yang telah ditetapkan Perusahaan antara lain limit maksimum posisi terbuka kumulatif dan per major currency yang bertujuan untuk membatasi eksposur risiko nilai tukar serta memastikan kepatuhan terhadap ketentuan PDN.
The Company has set a limit to anticipate market risk on foreign currency as well as changing in exchange rate and fluctuations in interest rates. The limit set by the Company include the maximum limit of cumulative open position and a major currency which is used for limiting the exposure of foreign currency risk and ensuring the compliance of NOP regulation.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 115 -
c. Risiko Likuiditas c. Liquidity Risk
Risiko likuiditas adalah risiko yang disebabkan antara lain oleh ketidakmampuan Perusahaan dalam memenuhi liabilitas yang telah jatuh tempo dan menutup posisi di pasar. Risiko likuiditas merupakan risiko yang terpenting pada bank umum dan perlu dikelola secara berkesinambungan.
Liquidity risk is the risk caused partly by the Company's inability to meet the matured obligations and cover positions in the market. Liquidity risk is the important risk in commercial banks and need to be managed sustainably.
Pemantauan terhadap likuiditas Perusahaan dilakukan secara harian dan sebagai bagian dari sistem informasi manajemen hasil pemantauan tersebut dilaporkan kepada Manajemen. Pemantauan antara lain dilakukan terhadap komposisi posisi keuangan Perusahaan, aktivitas dana keluar dan dana masuk yang tercermin dari transaksi RTGS dan SKN, aktivitas money market, posisi aset likuid baik primer maupun sekunder, serta rasio-rasio likuiditas seperti rasio kecukupan aset likuid dan Loan to Deposit Ratio. Pemantauan terhadap pemenuhan Giro Wajib Minimum baik primer maupun sekunder dilakukan untuk memastikan bahwa Perusahaan selalu menjaga GWM sesuai yang telah ditentukan oleh Bank Indonesia.
The monitoring of liquidity made daily and as part of the management information system of monitoring results are reported to the Management. Among others, monitoring the composition of Company’s balance sheets, activities and fund outflows reflected incoming RTGS transactions and SKN, money market activity, illiquid asset positions both primary and secondary, as well as liquidity ratios such as the ratio of liquid assets and the adequacy of the Loan to Deposit Ratio. Monitoring of compliance with Statutory both primary and secondary made to ensure that the Company always maintain minimum liqudity reserve that have been set by Bank Indonesia.
Pengelolaan likuiditas Perusahaan juga dilakukan dengan mempelajari pola pergerakan dana dan atau perilaku nasabah Dana Pihak Ketiga, khususnya dana nasabah inti dan nasabah yang memiliki tingkat volatilitas cukup tinggi. Dengan mempelajari perilaku nasabah, maka Perusahaan dapat menjaga kecukupan likuiditas yang diperlukan secara tepat untuk menutup kebutuhan tersebut. Perusahaan menjaga kecukupan secondary reserves pada level yang aman dengan besaran kecukupan disesuaikan dengan kondisi likuiditas Perusahaan secara spesifik maupun kondisi likuiditas di pasar.
Liquidity management by studying the patterns of movement of funds and customer behavior of Third Party Funds, especially the core customer funds and clients who have a high level of volatility. By studying patterns of customers, the Bank is able to maintain adequate liquidity needed precisely to cover those needs. The Company maintain is adequate secondary reserves at a safe level with sufficient scale adjusted to the specific conditions of the Company's liquidity and liquidity conditions in the market.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 116 -
Core fund atau dana yang tidak ditarik oleh nasabah dan dinilai stabil berada dalam besaran yang cukup baik. Perusahaan senantiasa melakukan pemantauan terhadap posisi core fund dan berupaya untuk secara berkesinambungan meningkatkan persentase terhadap jumlah dana yang dimiliki. Core fund menjadi bagian yang sangat penting bagi Perusahaan dalam menjalankan fungsi intermediasi berupa penyediaan dana jangka panjang. Hal ini mengingat portofolio dana pihak ketiga yang dimiliki Perusahaan sebagian besar berjangka waktu sampai dengan 1 (satu) tahun. Upaya yang dilakukan untuk meningkatkan dana mengendap antara lain diciptakan program-program yang mengharuskan dana nasabah ditahan dan tidak dapat ditarik sampai jangka waktu tertentu sesuai dengan ketentuan program.
Core fund or funds are not withdrawn by customers and judged stable are in a pretty good amount. The Company continues to monitor the position of core fund and seeks to continually increase percentage of total funds. Core fund becomes a very important part of the Company in conducting intermediation of funds in the form of long-term supply. This is because the third party fund portfolio company majority owned maturity of up to 1 (one) year. Efforts are underway to raise funds to settle among others created programs that require customer funds on hold and can not be withdrawn until a specified period in accordance with the provisions of the program.
Asset and Liability Committee (ALCO) berperan sebagai forum manajemen senior tertinggi untuk memonitor situasi likuiditas Perusahaan. ALCO bertanggung jawab untuk menentukan kebijakan dan strategi yang berkaitan dengan aset dan liabilitas Perusahaan sejalan dengan prinsip kehati-hatian manajemen risiko dan peraturan yang berlaku. ALCO menyetujui kerangka limit transaksi, mempertimbangkan struktur laporan posisi keuangan jangka panjang dari Perusahaan.
Asset and Liability Committee (ALCO) serves as a forum for senior management to monitor the liquidity situation. ALCO is responsible for determining the policies and strategies relating to the Company's assets and liabilities in accordance with the principles of prudence and risk management regulations. ALCO approved transaction limits, considering the structure of long-term financial position of the Company.
Pada dasarnya, risiko likuiditas dikelola sesuai dengan kerangka kebijakan, pengawasan, dan batasan yang memastikan bahwa konsentrasi pendanaan bersifat minimal, sumber dan jangka waktu pendanaan telah terdiversifikasi.
Basically, liquidity risk is managed in accordance with the policy framework, surveillance, and restrictions to ensure that the concentration is minimal funding, resources, and funding period has diversified.
Berikut adalah jadwal jatuh tempo liabilitas keuangan (termasuk simpanan dan simpanan dari bank lain berdasarkan prinsip syariah) berdasarkan pembayaran kontraktual yang tidak didiskontokan pada tanggal 31 Desember 2014 dan 2013:
Below table shown the maturitiesof financial liabilities (including deposits and deposits from other banks based on sharia principles) based on contractual undiscounted payments as of December 31, 2014 and 2013:
Sampai > 1 bulan > 3 bulan > 6 bulandengan s.d. s.d. s.d.1 bulan/ 3 bulan/ 6 bulan/ 12 bulan/1 month More than More than More than Biaya transaksi/ Nilai Tercatat/
or 1 month until 3 months until 6 months until Jumlah/ Transaction Carriyingless 3 months 6 months 12 months Total cost value
Liabilitas Liabilities
Liabilities immediately Liabilitas segera 137.857 - - - 137.857 - 137.857 payableSimpanan 13.778.993 1.639.630 1.049.737 477.871 16.946.231 - 16.946.231 DepositsSimpanan dari bank lain 721.197 9.500 35.500 - 766.197 - 766.197 Deposits from other banksLiabilitas akseptasi 24.951 35.969 6.916 - 67.836 - 67.836 Acceptance payableSurat berharga yang
diterbitkan 355 - - - 355 - 355 Securities issuedBeban bunga akrual 31.930 - - - 31.930 - 31.930 Accrued interestLiabilitas lain-lain 4.856 - - - 4.856 - 4.856 Other liabilities
Jumlah Liabilitas 14.700.139 1.685.099 1.092.153 477.871 17.955.262 - 17.955.262 Total Liabilities
2014
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 117 -
Sampai > 1 bulan > 3 bulan > 6 bulandengan s.d. s.d. s.d.1 bulan/ 3 bulan/ 6 bulan/ 12 bulan/1 month More than More than More than Biaya transaksi/ Nilai Tercatat/
or 1 month until 3 months until 6 months until Jumlah/ Transaction Carryingless 3 months 6 months 12 months Total cost value
Liabilitas Liabilities
Liabilities immediately Liabilitas segera 236.072 - - - 236.072 - 236.072 payableSimpanan 11.759.551 667.732 1.016.655 375.123 13.819.061 - 13.819.061 DepositsSimpanan dari bank lain 256.681 - - - 256.681 - 256.681 Deposits from other banksLiabilitas akseptasi 17.801 23.744 2.059 194.720 238.324 - 238.324 Acceptance payableSurat berharga yang
diterbitkan 355 - - - 355 - 355 Securities issuedBeban bunga akrual 16.925 - - - 16.925 - 16.925 Accrued interestLiabilitas lain-lain 3.651 - - - 3.651 - 3.651 Other liabilities
Jumlah Liabilitas 12.291.036 691.476 1.018.714 569.843 14.571.069 - 14.571.069 Total Liabilities
2013
Sebagian besar liabilitas yang dimiliki oleh Perusahaan akan jatuh tempo dalam waktu kurang dari 1 bulan, namun berdasarkan pengalaman Perusahaan sebagian besar dari liabilitas tersebut pada saat jatuh tempo akan diperpanjang (roll over). Upaya yang dilakukan Perusahaan agar nasabah tetap mempertahankan dananya pada Perusahaan yaitu dengan meningkatkan kualitas pelayanan serta memberikan penawaran suku bunga yang wajar dan kompetitif. Dengan upaya tersebut, Perusahaan juga mengharapkan dapat menarik nasabah baru untuk menempatkan dananya pada Perusahaan. Perusahaan juga melakukan upaya lain untuk memitigasi adanya penarikan dana secara besar-besaran oleh nasabah dimana Perusahaan juga memantau 100 deposan inti, khususnya 25 deposan inti terbesar, dengan cara mengevaluasi profil dan perilaku dari deposan-deposan tersebut sehingga Perusahaan dapat melakukan antisipasi terhadap penarikan dana besar yang akan dilakukan deposan. Sampai dengan saat ini, Perusahaan tidak pernah mengalami kesulitan likuiditas maupun kondisi yang berpotensi menimbulkan risiko bagi Perusahaan. Apabila terdapat potensi risiko, Perusahaan memiliki sejumlah upaya antisipasi seperti ketersediaan Giro Wajib Minimum, Cadangan Sekunder, serta penetrasi yang baik terhadap pasar antar Perusahaan.
Most of the Company’s liabilities will mature within 1 month, however, based on experience, most of those liabilities will be extended (roll over). The Company’s effort to retain the customer’s fund in the Company is to improve the service quality and offer reasonable and competitive rates. The Company also expects that those efforts can attract new customers to place their funds in the Company. The Company has made other efforts to mitigate the significant fund that will be drawn by the customers, where the Company also monitors 100 largest customers, especially the 25 biggest customers by evaluating the customer’s profile and behavior, therefore the Company can anticipate the significant fund withdrawal by the customers. Until to date, the Company has never been experienced liquidity problems or conditions that could potentially pose a risk to the Company. If there is potential risk, the Company has had anticipate effort such as the availability of Statutory Reserves, Secondary Reserves, as well as good penetration to the interbank market.
d. Risiko Operasional d. Operational Risk
Risiko operasional adalah risiko yang antara lain disebabkan ketidakcukupan dan/atau tidak berfungsinya proses internal, kesalahan manusia, kegagalan sistem, atau adanya problem eksternal yang mempengaruhi operasional Perusahaan.
Operational risk arises from insufficiency and/or malfunction of internal process, human error, system failure, or external problems affecting the operations of the Company.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 118 -
Risiko operasional dapat menimbulkan kerugian keuangan secara langsung maupun tidak langsung dan kerugian potensial atas hilangnya kesempatan memperoleh keuntungan. Risiko operasional juga dapat melekat pada setiap aktivitas fungsional Perusahaan, seperti kegiatan perkreditan (penyediaan dana), treasuri dan investasi, operasional dan jasa, pembiayaan perdagangan, pendanaan dan instrumen utang, Teknologi Sistem Informasi dan Sistem Informasi Manajemen, serta pengelolaan SDM.
Operational risks may cause financial loss directly or indirectly, and the potential losses for the loss of opportunity to earn a profit. Operational risk can also be attached to each functional activity of the Company, such as lending activities (provision of funds), treasury and investment, operations and services, trade financing, funding and debt instruments, Technology and Information Systems Management Information Systems, and HR management.
Kebijakan dan prosedur yang terkait dengan pengelolaan risiko operasional di Perusahaan senantiasa disusun, dikaji ulang dan disempurnakan untuk memastikan kecukupan mekanisme kontrol pada semua kebijakan dan prosedur telah memadai. Perusahaan juga secara aktif melakukan sosialisasi untuk membangun budaya sadar risiko dan meningkatkan kualitas kontrol dalam rangka mitigasi risiko operasional.
Policies and procedures related to the management of operational risk in the Company is always prepared, reviewed and refined to ensure sufficient control mechanisms on all policies and procedures are adequate. The Company also actively socializing to build risk awareness and improve quality control in order to mitigate operational risk.
Perusahaan mulai mengembangkan dan menerapkan beberapa sistem dan perangkat risiko operasional. Perangkat risiko operasional tersebut digunakan untuk mengukur potensi risiko pada kondisi sekarang, lampau (historis) dan untuk mengukur besarnya potensi kejadian risiko di masa depan. Dengan adanya pendekatan ini, diharapkan Perusahaan dapat lebih komprehensif dalam mengelola risiko operasional.
The Company starts developing and implementing multiple systems and devices for operational risk. Operational risk devices used to measure the potential risk in the present, past (historic) and to measure the significance of the potential risk of future events. With this approach, the Company is expected to be more comprehensive in managing operational risk.
Untuk mengelola risiko operasional, Perusahaan mengembangkan beberapa perangkat sebagai berikut :
To manage the operational risk, the Company has developed several devices as follows:
Risk Control Self Assessment
(RCSA) Risk Control Self Assessment
(RCSA) Pelaksanaan RCSA dilakukan secara self - assessment oleh karyawan Perusahaan dalam rangka mengukur besarnya pengendalian risiko yang telah dilakukan oleh masing-masing karyawan. Melalui pelaksanaan RCSA tersebut, diharapkan seluruh karyawan Perusahaan dapat semakin meningkatkan pengendalian internal serta budaya sadar risiko pada setiap lini bisnis.
Implementation of the RCSA conducted self assessment by bank officials in order to measure the amount of risk taken by each officer. Hopefully, through the implementation of the RCSA, all bank officers may further improve internal control and risk awareness culture in each business line.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 119 -
Loss Event Database (LED) Loss Event Database (LED)
Perusahaan membangun dan mengembangkan perangkat risiko operasional lainnya seperti Loss Event Database (LED) yang tujuannya untuk menyusun database atas kejadian-kejadian yang terjadi sebagai akibat risiko operasional serta mengukur besarnya kerugian yang diakibatkan oleh kejadian operasional tersebut. Melalui LED tersebut, Perusahaan diharapkan dapat mulai menghitung besarnya modal yang diperlukan untuk menutup kerugian-kerugian yang diakibatkan oleh kejadian-kejadian dalam aktivitas operasional Perusahaan.
The Company builds and develops the operational risks devices such as Loss Event Database (LED) which purpose is to establish a database of events that occur as a result of operational risk and measure the amount of loss caused by operational events. Through this LED, the Company is expected can start to calculate the amount of capital requirement to cover losses caused by events in the operational activities of the Company.
Perusahaan saat ini juga telah mulai mengembangkan alat ukur lainnya seperti Key Risk Indicator (KRI). KRI merupakan perangkat risiko operasional yang digunakan untuk mengidentifikasi risiko sejak dini dalam rangka pengendalian risiko terhadap setiap aktivitas bisnis dan operasional Perusahaan. Melalui pengembangan terhadap KRI, kedepannya Perusahaan akan memilki dashboard risiko operasional, dimana dashboard tersebut digunakan sebagai alat ukur untuk mengetahui besarnya potensi risiko operasional Perusahaan.
The Company currently has also started to develop other measurement device such as Key Risk Indicator (KRI). KRI is an operational risk device that are used to identify early risk in order to control the risks to each business activity and operations. Through the development of KRI, the Company will have the future dashboard of operational risk, where the dashboard is used as a measuring tool to determine the potential risk operations.
Perusahaan telah membentuk Tim Task Force “Peningkatan Kualitas Kinerja Perusahaan” yang memiliki tujuan untuk melakukan perbaikan kinerja pada seluruh aktivitas Perusahaan. Melalui Tim Task Force tersebut, Perusahaan dapat semakin meningkatkan sistem pengendalian internal serta sekaligus sebagai wadah untuk meningkatkan budaya sadar risiko.
The Company has established a Task Force Team "Improvement of Quality Performance of the Bank” which has a goal to make performance improvements in all the Company's activities. Through the Task Force Team, Company may increase the internal control system as well as forum to promote a culture of risk awareness.
e. Risiko Hukum e. Legal Risk
Risiko hukum adalah risiko yang timbul dari kelemahan aspek hukum, antara lain akibat dari tindakan hukum, tidak adanya peraturan yang mendukung atau kelemahan dari ketentuan-ketentuan yang mengikat secara hukum, seperti kegagalan untuk mematuhi persyaratan hukum suatu perjanjian dan celah-celah dalam pengikatan jaminan.
Legal risk is the risk arising from the weakness of the legal aspects, partly as a result of legal action, the absence of regulations that favor or disadvantage of the terms of a legally binding, such as failure to comply with the legal requirements of a treaty and the cracks in the binding guarantee.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 120 -
Pelaksanaan identifikasi, pengukuran, dan pemantauan terhadap potensi risiko hukum dilaksanakan terhadap seluruh aktivitas Perusahaan, terutama kegiatan operasional Perusahaan dengan melibatkan pihak ketiga yang memiliki potensi benturan kepentingan atau gugatan hukum.
Implementation of the identification, measurement, and monitoring of potential legal risks undertaken of all the Company's activities, especially the Company's operational activities involving third parties who have a conflict of interest or potential litigation.
Untuk meminimalkan risiko hukum Perusahaan, peran dan fungsi legal yang sebelumnya berada di kantor cabang tertentu dirubah menjadi Legal dan Duta Compliance di Kantor Wilayah dengan memberikan peranan yang lebih luas agar selain berperan sebagai Legal Counselor juga bertindak sebagai Duta Compliance yang memberikan sosialisasi legal dan compliance awareness kepada karyawan Kantor Cabang yang berada di wilayahnya.
To minimize legal risks, among others, the Company’s Corporate Legal Unit at headquarters and Legal Officer at the branch office, always monitor the potential emergence of litigation/prosecution to the Company. In any event, in credit operational and treasury, the Company has always pay attention to the completeness of the legal aspects, especially related to the activity of the engagement agreement with the customers/debtors and document legality.
Terkait dengan penerapan manajemen risiko hukum, satuan kerja manajemen risiko juga melakukan kajian-kajian terkait dengan aktivitas Perusahaan yang dapat meningkatkan eksposur risiko hukum serta memberikan rekomendasi dalam rangka memitigasi risiko tersebut.
In relation with the implementation of legal risk management, risk management unit also conducts the reviews related to the Company's activities that can increase the risk of legal exposure and provide recommendations in order to mitigate the risk.
f. Risiko Strategis f. Strategic Risk
Risiko strategis adalah risiko yang antara lain disebabkan oleh adanya penetapan dan pelaksanaan strategi Perusahaan yang tidak tepat, pengambilan keputusan bisnis yang tidak tepat atau kurang responsifnya Perusahaan terhadap perubahan eksternal.
Strategic risk arises from insufficient determination and implementation of the Company’s strategies, incorrect business decision, or irresponsiveness to external changes.
Perusahaan telah menyusun strategi dan rencana bisnis yang sebelumnya telah didiskusikan dengan Dewan Komisaris, Direksi serta seluruh management Perusahaan. Perusahaan juga melakukan kajian dan evaluasi stratejik bisnis serta realisasi yang telah dicapai oleh Perusahaan sesuai dengan yang terangkum dalam Rencana Bisnis Perusahaan.
The Company has formulated the business strategies and plans based on discussions from the Board of Commissioners, Directors and all of Company’s management. The Company also reviews, evaluate business strategy and its realisation achieved by the Company based on Company Business Plan.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 121 -
g. Risiko Kepatuhan g. Compliance Risk
Risiko kepatuhan merupakan risiko yang disebabkan Perusahaan tidak mematuhi atau tidak melaksanakan peraturan perundang-undangan dan ketentuan lain yang berlaku, seperti Ketentuan Kewajiban Penyediaan Modal Minimum (KPMM), Kualitas Aset Produktif (KAP), Pembentukan Cadangan Kerugian Penurunan Nilai (CKPN) Aset Produktif, Batas Maksimum Pemberian Kredit (BMPK), Posisi Devisa Neto (PDN) dan lainnya.
Compliance risk is a risk caused by the Company does not comply or adopting the laws and other prevailing regulations such as minimum Capital Adequacy Ratio (CAR), Quality of Earning Assets, Allowance for impairment Losses on Earning Assets, Legal Lending Limit, Net Open Position (NOP), and others.
Dalam rangka menerapkan manajemen risiko kepatuhan yang efektif, Perusahaan telah melakukan identifikasi dan pengelolaan terhadap faktor-faktor yang dapat menyebabkan meningkatnya eksposur risiko kepatuhan, yaitu :
In order to implement an effective compliance risk management, the Company identify and manage the factors that can cause the increment of risk exposure in compliance, as follows:
Penerapan Good Corporate
Governance (GCG) secara efektif untuk memastikan dan memantau kepatuhan terhadap setiap peraturan dan persyaratan eksternal maupun internal.
Implementation of effective Good Corporate Governance (GCG) to ensure and monitor the compliance with all regulations and requirements of both external and internal.
Melakukan pemantauan terhadap setiap perubahan ketentuan peraturan dan perundang-undangan yang berlaku serta memastikan penerapannya pada Perusahaan.
Monitoring of any changes in the provisions of the prevailing regulations and laws and to ensure its implementation in the Company.
Melakukan penilaian secara aktif dan berkala terhadap kecukupan kebijakan Pedoman dan Prosedur Internal yang dimiliki oleh Bank untuk memastikan kesesuaiannya terhadap peraturan dan perundang-undangan yang berlaku.
Conduct active assessment and periodic review of the adequacy for the Company’s existing Internal Policies and Procedures to ensure the compliance with prevailing regulations and laws.
Melakukan identifikasi dan analisa kepatuhan (compliance analysis) atas rencana dan pengembangan produk dan aktivitas baru guna memastikan kepatuhannya terhadap peraturan dan perundang-undangan yang berlaku.
Identify and analyze on the compliance (compliance analysis) for planning and developing of new products and activities to ensure compliance with prevailing regulations and laws.
Melakukan pemantauan terhadap terlaksananya prinsip kehati-hatian perbankan (prudential banking), antara lain dalam hal permodalan (KPMM), Batas Maksimum Pemberian Kredit (BMPK), Giro Wajib Minimum (GWM), Posisi Devisa Neto (PDN) dan Non Performing Loan (NPL).
Monitoring the implementation of prudent banking), among others, in terms of capital (CAR), Legal Lending Limit (LLL), Minimum Statutory Reserve (GWM), Net Open Position (NOP) and the Non-Performing Loan (NPL).
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 122 -
h. Risiko Reputasi h. Reputation Risk
Risiko reputasi adalah risiko yang antara lain disebabkan oleh adanya publikasi negatif yang terkait dengan kegiatan usaha Perusahaan atau persepsi negatif terhadap Perusahaan.
Reputation risk arises from negative publication due to the Company’s activity or negative perception on the Company.
Salah satu upaya yang dilakukan Perusahaan untuk meningkatkan pengelolaan risiko reputasi antara lain melalui Contact Center untuk memberikan layanan informasi perbankan serta menerima keluhan/pengaduan nasabah, Corporate Secretary yang memberikan informasi yang perlu disampaikan kepada publik/stakeholders terkait aktivitas Perusahaan, serta petugas di kantor-kantor cabang yang setiap saat dapat memberikan informasi kepada nasabah.
One of the efforts made by the Company' for improvement the management of reputation risk is to improve services (Service Level Agreement) in all business units, especially the business units dealing directly with customers, such as the Front Liner and Customer Complaints Unit (Contact Center).
Selain itu pengendalian risiko reputasi juga dilakukan antara lain dengan melalui pemantauan yang dilakukan oleh Unit Kerja Corporate Secretary terhadap berita yang berkaitan dengan Perusahaan di media massa, Perusahaan juga secara aktif melakukan Corporate Social Responsibility yang dilaksanakan di bidang pendidikan dan kesehatan.
In addition, the reputation risk control is also done through the brand image by Corporate Secretary, such as the implementation of Corporate Social Responsibility (CSR) in some institutions and society.
Transparansi produk yang ditawarkan kepada nasabah sesuai dengan Peraturan Bank Indonesia mengenai Transparansi produk melalui website Perusahaan, serta upaya peningkatkan standar layanan nasabah dengan melakukan training service excellence kepada para petugas.
Transparency of the product oferred to customers in accordance with the rules regarding transparency Indonesian bank’s products the Company’s website, as well as efforts to improve customer serices standards by conducting training of service excellence to the officers.
i. Penilaian Profil Risiko i. Risk Profile Assessment
Secara berkala Perusahaan melakukan penilaian risiko terhadap kedelapan risiko diatas sebagaimana telah diatur oleh Perusahaan Indonesia. Penilaian risiko dilakukan melalui proses penilaian sendiri (self-assessment) untuk menghasilkan profil risiko yang terdiri dari risiko inheren yaitu risiko yang melekat pada aktivitas Perusahaan dan kualitas penerapan manajemen risiko yaitu pengendalian terhadap risiko inheren.
The Company periodically conducted risk assessment of the eighth risk above as Bank Indonesia regulation. The Company’s risks assessment is evaluated through self assessment process by making a risk profile which consists of risks inherent to the bank industry as well as the corresponding controls to address those risks.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 123 -
Hasil penilaian profil Perusahaan telah disampaikan kepada Direktur Utama dan Komite Manajemen Risiko kemudian disampaikan kepada Bank Indonesia secara triwulanan. Untuk profil risiko Perusahaan posisi 31 Desember 2014 dan 2013, secara keseluruhan dinilai pada peringkat 2 atau “Low To Moderate” dan stabil bila dibandingkan dengan posisi tahun sebelumnya. Hasil penilaian profil tersebut disampaikan pula kepada Komite Pemantau Risiko.
The Company’s profile assessment results is submitted to the Director of Risk Management Committee and immediately to Bank Indonesia on a quarterly basis. The result of the assessment as of December 31, 2014 and 2013 showed that the risk of the overall business of the Company is assessed in level 2 or ‘Low to Moderate” and stable as compared with the previous year. The result of the assessment profile was submitted also to the Risk Oversight Committee.
42. Informasi Lainnya 42. Other Information
a. Rasio aset produktif yang diturunkan
nilainya terhadap jumlah aset produktif pada tanggal 31 Desember 2014 dan 2013 masing-masing adalah sebesar 1,22% dan 1,88%.
a. The ratios of impaired productive assets to total productive assets as of December 31, 2014 and 2013 are 1.22% and 1.88%, respectively.
b. Pada tanggal 31 Desember 2014 dan 2013
Rasio Non-Performing Loan (NPL) Perusahaan (secara bruto) adalah masing-masing sebesar 3,00% dan 2,50%, sedangkan secara neto adalah masing-masing sebesar 2,56% dan 2,12%.
b. As of December 31, 2014 and 2013, the ratio of Non-Performing Loans (NPL) (at gross) to total loans are 3.00% and 2.50%, respectively while the ratio at net NPL to loans is 2.56% and 2.12%, respectively.
c. Rasio kredit yang diberikan terhadap
simpanan (LDR) pada tanggal 31 Desember 2014 dan 2013 masing-masing sebesar 83,88% dan 78,72%.
c. The ratio of loans to deposit ratio (LDR) as of December 31, 2014 and 2013 is 83.88% and 78.72%, respectively.
d. Imbal hasil aset atau Return on Assets
(ROA) untuk tahun 2014 dan 2013 masing-masing adalah sebesar 1,02% dan 1,71%.
d. Return on Assets (ROA) is 1.02% and 1.71% in 2014 and 2013, respectively.
e. Return of Equity (ROE) tahun 2014 dan
2013 masing-masing adalah sebesar 5,72% dan 9,23%.
e. Return on Equity (ROE) is 5.72% and 9.23% in 2014 and 2013, respectively.
f. Penerapan Program Anti Pencucian Uang
dan Pencegahan Pendanaan Terorisme (APU dan PPT)
f. Application of Anti-Money Laundering and Combating the Financing of Terrorism (APU and PPT)
Perusahaan senantiasa menerapkan prinsip APU dan PPT dalam pelaksanaan aktivitas pengenalan nasabah dengan mengacu pada kebijakan dan prosedur APU dan PPT yang telah disempurnakan sesuai dengan Peraturan Bank Indonesia No. 14/27/PBI/2012 tentang Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme Bagi Bank Umum.
The Company continues to apply the principle of APU and PPT in the implementation of customer recognition activities with reference to the policies and procedures for APU and PPT that has been perfected in accordance with Bank Indonesia Regulation. 14/27/PBI/2012 on Application of Anti-Money Laundering and Combating the Financing of Terrorism for Commercial Bank.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 124 -
Kewajiban untuk menerapkan prinsip APU dan PPT tidak hanya terdapat dalam Peraturan Bank Indonesia saja, tetapi juga ditegaskan dalam Undang-Undang Nomor 8 Tahun 2010 tentang Pencegahan dan Pemberantasan Tindak Pidana Pencucian Uang (Pasal 19), yang pada intinya menjelaskan bahwa setiap orang yang melakukan usaha dengan penyedia jasa keuangan harus menyerahkan identitas diri secara lengkap, disamping itu penyedia jasa keuangan juga harus memastikan orang yang melakukan hubungan usaha bertindak untuk diri sendiri atau orang lain. Jika bertindak untuk orang lain, maka penyedia jasa keuangan harus meminta informasi mengenai identitas pihak lain tersebut.
The obligation to apply the principles of APU and PPT is not only contained in the Regulation of Bank Indonesia, but also affirmed in Law No. 8 of 2010 on the Prevention and Suppression of Money Laundering (Article 19), which basically stated that any person doing business with financial service providers must submit a complete identity, besides financial services providers should also make sure people who engage in business relations act for yourself or others. If acting for others, then financial services providers should request information about the identity of the other party.
Perusahaan akan terus memastikan bahwa kebijakan dan prosedur tertulis mengenai program APU dan PPT sejalan dengan perkembangan modus pencucian uang atau pendanaan terorisme.
The Company will continue to ensure that the policies and procedures of the APU and PPT programs in line with the development mode of money laundering or terrorist financing.
Pengkinian terhadap seluruh data nasabah dilakukan Perusahaan secara terus-menerus dengan menggunakan pendekatan berdasarkan risiko yang melekat pada nasabah yang bersangkutan dan perkembangan pengkinian data nasabah dikirimkan oleh Perusahaan kepada Bank Indonesia melalui Laporan Direktur Kepatuhan.
Updating of all customer data by the Company on an ongoing basis using an approach based on the risk inherent in the development of the client and updating customer data submitted to Bank Indonesia through the Director of Compliance Reports.
Pelatihan secara berkala kepada seluruh karyawan Perusahaan mengenai APU dan PPT dan peraturan prudential banking dilakukan oleh Unit Kepatuhan guna mewujudkan budaya kepatuhan pada seluruh lini bisnis Perusahaan. Pelatihan dilakukan melalui e-learning yang dapat diakses oleh karyawan Perusahaan serta melalui metode tatap muka secara periodik.
Periodic training to all employees regarding the APU and PPT and prudential banking regulations made by the Compliance Unit in order to create a culture of compliance in all business lines of the Company. Training is done throughe-learning that can be accessed by employees of the Company and through face-to-face method periodically.
g. Jaminan Pemerintah Terhadap Liabilitas
Pembayaran Bank Umum g. Government Guarantee on Obligations of
Private Banks
Sejak tahun 2005, program penjaminan Pemerintah dilaksanakan oleh Lembaga Penjamin Simpanan (LPS).
Since 2005, the Government guarantee program has been carried out by the Deposit Guarantor Agency.
LPS akan membayarkan klaim penjaminan yang layak dibayar setelah melalui prosedur rekonsiliasi dan/atau verifikasi sesuai dengan Peraturan Lembaga Penjamin Simpanan (PLPS) yang berlaku.
The Deposit Guarantor Agency will settle the qualified guaranteed claims based on results of reconciliation and/or verification procedures in accordance with prevailing Deposit Guarantor Agency Regulations.
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 125 -
43. Informasi Keuangan Unit Syariah 43. Financial Information of Sharia Unit
Perusahaan memperoleh izin usaha sebagai bank yang melakukan kegiatan usaha berdasarkan prinsip syariah berdasarkan Surat Keputusan Deputi Gubernur Bank Indonesia No.11/13/Kep.DpG/2009 tanggal 27 Oktober 2009.
The Company obtained its license to conduct business under sharia principles based on the Decree from Deputy Governor of Bank Indonesia No.11/13/Kep.DpG/2009 dated October 27, 2009.
Sesuai dengan Surat dari BI No.10/57/DpG/ DPbS tanggal 27 Mei 2008 perihal ”Penyeragaman Nama Produk dan Jasa Perbankan Syariah”, mulai bulan September 2008, semua produk syariah/jasa perbankan syariah diseragamkan menjadi Islamic Banking (iB).
In accordance with BI Letter No.10/57/DpG/ DPbS dated May 27, 2008 regarding “Uniformity of Names of Products and Services under Islamic Banking”, starting in September 2008, all islamic products and services under Islamic banking should become homogenized Islamic banking (iB).
Informasi keuangan unit syariah pada tanggal 31 Desember 2014 dan 2013, adalah sebagai berikut:
Financial information of sharia units as of December 31, 2014 and 2013, are as follows:
2014 2013
Laporan Posisi Keuangan Statements of Financial Position
Aset AssetsKas 14.358 12.245 Cash
Demand deposits with Giro pada Bank Indonesia 47.435 19.800 Bank IndonesiaPenempatan pada bank syariah lain Placements with other sharia banks
dan Bank Indonesia 2.000 1.500 and Bank IndonesiaEfek-efek - bersih 56.446 105.303 Securities - netPiutang iB - bersih 1.704.066 985.647 iB receivable - netPendapatan yang masih akan diterima 1.146 1.243 Biaya dibayar dimuka 11.372 1.097 Prepaid expensesAset tetap - bersih 37.198 27.167 Premises and equipment - netAset ijarah - bersih 84.179 104.556 Ijarah assets - netAset lain-lain 14.894 12.651 Other assets
Jumlah 1.973.094 1.271.209 Total
Liabilitas Liabilities Liabilitas segera 20 73 Liabilities immediately payableSimpanan iB 1.431.836 627.583 iB depositsSimpanan dari bank lain 156.910 7 Deposits from other banksUtang pajak 4.281 1.261 Tax payablePendapatan diterima di muka 68 68 Other income in advanceLiabilitas lain-lain 348.502 472.780 Other liabilitiesSaldo laba 31.477 169.437 Retained earnings
Jumlah 1.973.094 1.271.209 Total
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
- 126 -
Informasi keuangan unit syariah pada tahun -tahun yang berakhir 31 Desember 2014 dan 2013, adalah sebagai berikut:
Financial information of sharia units for the years ended December 31, 2014 and 2013, are as follows:
2014 2013
Laba Rugi Komprehensif Statement of Comprehensive Income Pendapatan bagi hasil 203.188 115.013 Profit sharingBeban bagi hasil 72.598 31.872 Profit sharing expenses
Penghasilan setelah bagi hasil 130.590 83.141 Income after profit sharing
Pendapatan lainnya 18.590 6.580 Other incomeBeban lainnya (117.703) (36.699) Other expenses
Beban lainnya - Bersih (99.113) (30.119) Other expenses - Net
Laba bersih 31.477 53.022 Income net
Termasuk dalam pendapatan bagi hasil adalah komisi dari transaksi penyaluran dana terikat dari Nasabah Pemilik Dana (Shahibul Maal) yang akan disalurkan kepada nasabah pembiayaan dengan syarat-syarat sesuai yang ditentukan oleh pemilik dana, dimana Perusahaan berperan sebagai agen atau manajer investasi dalam system chanelling agent dan tidak menanggung risiko apapun atas penyaluran dana tersebut.
Included in profit sharing is fee from distribution of unrestricted fund transaction from customer that have fund (Shahibul Maal) that will be distributed to owner client fund with requirements specified which is determined by the owner of the fund, which the Company acts as an agent or investment manager in channeling agent system and not bear any risk on the distribution of funds.
44. Pengungkapan Tambahan Transaksi Bukan
Kas 44. Supplemental Disclosures for Statements of
Cash Flows Aktivitas investasi dan pendanaan yang tidak mempengaruhi kas dan setara kas dan laporan arus kas Perusahaan pada tanggal 31 Desember 2014 dan 2013 adalah penghapusbukuan kredit yang diberikan sebesar Rp 17.334 dan Rp 10.233.
The non-cash investing and financing activities of the Company as of December 31, 2014 and 2013 are write-off of loans amounting to Rp 17,334 and Rp 10,233, respectively.
45. Penerbitan Standar Akuntasi Keuangan Baru 45. Prospective Accounting Pronouncements
Ikatan Akuntan Indonesia telah menerbitkan Pernyataan Standar Akuntansi Keuangan (PSAK) baru dan revisi dan Interpretasi Standar Akuntansi Keuangan (ISAK) revisi yang berlaku efektif pada periode yang dimulai 1 Januari 2015 sebagai berikut:
The Indonesian Institute of Accountants has issued the following newly and revised Statements of Financial Accounting Standards (PSAKs) and revised Interpretation of Financial Accounting Standard (ISAK) which will be effective for annual period beginning January 1, 2015 as follows:
PSAK PSAK
a. PSAK No. 1 (Revisi 2013), Penyajian
Laporan Keuangan a. PSAK No. 1 (Revised 2013), Presentation of
Financial Statements b. PSAK No. 4 (Revisi 2013), Laporan
Keuangan Tersendiri b. PSAK No. 4 (Revised 2013), Separate
Financial Statements c. PSAK No. 15 (Revisi 2013), Investasi pada
Entitas Asosiasi dan Ventura bersama c. PSAK No. 15 (Revised 2013), Investments in
Associates and Joint Ventures
PT BANK SINARMAS Tbk Catatan atas Laporan Keuangan Untuk Tahun-tahun yang Berakhir 31 Desember 2014 dan 2013 (Angka-angka Disajikan dalam Jutaan Rupiah, kecuali Dinyatakan Lain)
PT BANK SINARMAS TbkNotes to Financial Statements
For the Years Ended December 31, 2014 and 2013
(Figures are Presented in Millions of Rupiah, unless Otherwise Stated)
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d. PSAK No. 24 (Revisi 2013), Imbalan Kerja d. PSAK No. 24 (Revised 2013), Employee
Benefits e. PSAK No. 46 (Revisi 2014), Pajak
Penghasilan e. PSAK No. 46 (Revised 2014), Income Taxes
f. PSAK No. 48 (Revisi 2014), Penurunan Nilai Aset
f. PSAK No. 48 (Revised 2014), Impairment of Assets
g. PSAK No. 50 (Revisi 2014), Instrumen Keuangan: Penyajian
g. PSAK No. 50 (Revised 2014), Financial Instruments: Presentation
h. PSAK No. 55 (Revisi 2014), Instrumen Keuangan: Pengakuan dan Pengukuran
h. PSAK No. 55 (Revised 2014), Financial Instruments: Recognition and Measurement
i. PSAK No. 60 (Revisi 2014), Instrumen Keuangan: Pengungkapan
i. PSAK No. 60 (Revised 2014), Financial Instruments: Disclosures
j. PSAK No. 65, Laporan Keuangan Konsolidasian
j. PSAK No. 65, Consolidated Financial Statements
k. PSAK No. 66, Pengaturan Bersama k. PSAK No. 66, Joint Arrangements l. PSAK No. 67, Pengungkapan Kepentingan
dalam Entitas Lain l. PSAK No. 67, Disclosures of Interests in
Other Entities m. PSAK No. 68, Pengukuran Nilai Wajar m. PSAK No. 68, Fair Value Measurements
ISAK ISAK ISAK No. 26 (Revisi 2014), Penilaian Kembali Derivatif Melekat
ISAK No. 26 (Revised 2014), Reassessment on Embeded Derivatives
Perusahaan masih mengevaluasi dampak penerapan PSAK dan ISAK di atas dan dampak terhadap laporan keuangan dari penerapan PSAK dan ISAK tersebut belum dapat ditentukan.
The Company is still evaluating the effects of these newly and revised PSAKs and ISAK and has not yet determined the related effects on the financial statements.
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Laporan Tahunan 2014Annual Report
Lapo
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Annual Report 2014PT. BANK SINARMAS Tbk.
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