Laporan Tahunan 201 3 - Bangkok Bank...Bank telah membuka 1 (satu) Kantor Cabang Pembantu di kota Surabaya pada tanggal 29 Maret 2012 yang beralamat di Jl Raya Darmo No 73, Surabaya,

Laporan Tahunan 2013 Annual Report 2013

Bangkok Bank Public Company Limited

Indonesia

DAFTAR ISI

Table of Contents

Ringkasan Keuangan 1

Financial Highlights

Rasio Keuangan 2

Financial Ratios

Profile Perusahaan 4

Corporate Profile

Laporan Good Corporate Governance 6

Good Corporate Governance Report

Perekonomian Indonesia 2013 27

Indonesia Economy in 2013

Laporan Manajemen 30

Management Report

Kinerja Bangkok Bank 36

Bangkok Bank’s performance

Manajemen 69

The Management

Struktur Organisasi 74

Organization Chart

Lampiran

Attachment

Laporan Keuangan 2013 yang telah diaudit

Audited Financial Statement 2013

LAPORAN TAHUNAN 2013 1

ANNUAL REPORT

RINGKASAN KEUANGAN BANGKOK BANK

Bangkok Bank’s Financial Highlights Unit dalam jutaan rupiah

(Unit in million Rupiah)

Pertumbuhan pada Akhir Periode

Tahun

2013 2012 % change Progress at Year-End

Total Aktiva

15.162.270

8.110.752 86,94% Total Assets

Giro pada Bank

188.396

97.344 93,54% Demand Deposits with Banks

Kredit yang diberikan

11.894.111

6.910.355 72,12% Credits granted

Aktiva Tetap dan Inventaris – net

96.069

8.179 1074,58% Premises and Equipment

Aktiva Produktif

15.286.592

8.317.475 83,79% Productive Assets Dana Pihak Ketiga

2.610.769

1.428.884 82,71% Third Party Fund

Simpanan

1.817.484

1.024.908 77,33% Deposits

Pinjaman yang diterima

8.701.550

4.240.500 105,20% Loans received

Dana dari Kantor Pusat

2.725.935

1.888.889 44,31% Head Office Account

Pertumbuhan untuk Tahun

Progress for the year

Pendapatan Operational

639.527

386.241

65,58% Operational Revenue

Beban Operational

314.971

206.171

52,77% Operational Expenses

Laba Operasi

324.556

180.071

80,24% Operating Profit

Pajak Penghasilan

130.300

72.680

79,28% Income Tax

Laba (Rugi) Bersih

191.626

108.064

77,33% Net Profit (Loss)

Laba Bersih per Saham

-

-

- Earning per share


ANNUAL REPORT

Rasio Keuangan Financial Ratios

Permodalan

%

change

Capitalization 31-Des-13 31-Des-12

(%) (%)

Kewajiban Modal Minimum 67,09 63,79 3,3 Capital Adequacy Ratio (CAR)

Aktiva Tetap terhadap Modal

4,34

1,47 2,87

Fixed Assets to Capital

Aktiva Produktif

Productive Assets

Aktiva Produktif Bermasalah 0,53 2,88 -2,35 Troubled Productive Assets

Kredit Bermasalah 0,03 0,62 -0,59 NPL

PPAP terhadap Aktiva Produktif 2,71 4,73 -2,02 Reserves to Productive Assets

Pemenuhan PPAP 173,89 118,71 55,18 Reserves Adequacy

Rentabilitas

Profitability

Tingkat Pengembalian Aktiva 2,75 2,50 0,25

Return on Assets

Tingkat Pengembalian Modal 2,17 2,74 -0,57

Return on Equity

Pendapatan Bunga Bersih 4,21 3,40 0,81

Net Interest Margin

Beban Operasional Pendapatan

Operasional

49,25 57,02 -7,77

Operational Expense to Operational Income

Kredit terhadap Deposito Rasio

455,58

483,62

-28,04 Loan to Deposit Ratio


ANNUAL REPORT

Kepatuhan 31-Des-13 31-Des-12 %

change Compliance (%) (%)

Persentase Pelanggaran BMPK

Percentage of LLL Violation

a. Pihak Terkait 0,00 0,00 0,00

Related Parties

b. Pihak Tidak Terkait 0,00 0,00 0,00

Non related Parties

Persentase Pelampauan BMPK

Percentage of exceeding LLL

a. Pihak Terkait 0,00 0,00 0,00

Related Parties

b. Pihak Tidak Terkait 0,00 0,00 0,00

Non related Parties

GWM Rupiah 14,44 11,03 3,41

Minimum Current Account Requirements Rupiah

Posisi Devisa Netto (PDN) 0,33 0,36 -0,03


ANNUAL REPORT

PROFIL PERUSAHAAN

Corporate Profile

Bangkok Bank yang didirikan pada tahun 1944 di

Bangkok, Thailand adalah bank komersial terbesar di

Thailand dan salah satu dari yang terbesar di Asia

Tenggara dengan total aset pada akhir 2013 sebesar THB

2,596,507,000,000.

Adapun struktur kepemilikan 10 (sepuluh) pemegang

saham terbesar Bangkok Bank Public Company Limited

per tanggal 31 December 2013 adalah sebagai berikut:

Bangkok Bank, founded in year 1944 in Bangkok-

Thailand, is the largest commercial bank in

Thailand and also one of the largest bank in South

East Asia, with total assets at the end of 2013 THB

2,596,507,000,000.

Top 10 (ten) shareholders of Bangkok Bank Public

Company Limited, Thailand as of December 31,

2013 are as follows:

Nomor |

Number Nama pemegang Saham | Name of Share holder

Persentase Kepemilikan

Saham | Percentage of Total

Shares

1 Thai NVDR Company Limited 30.04

2 State Street Bank and Trust Company 4.27

3

Thailand Securities Depository Company Limited for

Depositors 3.58

4 State Street Bank Europe Limited 3.17

5 BNY Mellon Nominees Limited 2.50

6 Morgan Stanley & Co. International Plc. 2.36

7 HSBC (Singapore) Nominee Pte, LTD 1.92

8 Bangkok Insurance Public Co. Ltd. 1.79

9 UOB Kay Hian (Hong Kong) Limited - Client Account 1.74

10 GIC Private Limited - Co. Ltd. 1.71

Sampai akhir tahun 2013 Bangkok Bank telah memiliki

lebih dari 1,100 kantor cabang di Thailand dengan cabang

luar negeri dan jaringan kantor yang tersebar di: Cina,

Hongkong, Jepang, Laos, Filipina, Singapura, Taiwan,

Inggris, Birma, Amerika Serikat, Vietnam, Myanmar,

Malaysia dan Indonesia.

Bangkok Bank PCL Cabang Jakarta, berlokasi di Jl. MH

Thamrin No. 3, Jakarta 10110, beroperasi dengan ijin

usaha dari Menteri Keuangan Indonesia No. D.15.6.1.4.39

tanggal 21 Juni 1968, serta mendapat izin untuk beroperasi

sebagai Bank Devisa pada tanggal 22 Juni 1968 dengan

Surat Keputusan dari Direksi Bank Negara Indonesia

No.4/12/KEP.DIR.

Bank telah membuka 1 (satu) Kantor Cabang Pembantu di

kota Surabaya pada tanggal 29 Maret 2012 yang

beralamat di Jl Raya Darmo No 73, Surabaya, dengan Ijin

No 14/112/DPIP.

At the end of 2013, Bangkok Bank has more than

1,100 branches in Thailand with extensive overseas

branches and office network in the following

countries: People’s Republic of China, Hongkong,

Japan, Laos People’s Democratic Republic,

Republic of Philippines, Republic of Singapore,

Taiwan, United Kingdom, Union of Myamar,

United States of America, The Socialist Republic

of Vietnam, Myanmar, Malaysia and Indonesia.

Bangkok Bank PCL Jakarta Branch, located at Jl.

MH Thamrin No. 3, Jakarta 10110, operated under

license from Finance Minister of Republic

Indonesia No. D. 15.6.1.4.39 dated June 21, 1968

as a branch from Bangkok Bank PCL in Thailand.

Received the license to operate as foreign bank on

June 22, 1968 with the decree from Bank Indonesia

No. 4/12/KEP.DIR.

Bank has opened 1 (one) Branch Office in

Surabaya on March 29, 2012 located at Jl Raya

Darmo No. 73, Surabaya, with Permit No.

14/112/DPIP .


ANNUAL REPORT

Pada tanggal 6 November 2013, dalam rangka perluasan

usaha, Bank telah membuka 1 (satu) Kantor Cabang

Pembantu di kota Medan yang terletak di B&G Tower,

Ground Floor, Jl Putri Hijau No. 10, Medan, dengan Ijin

No.15/231/DPIP.

Bank secara berkesinambungan meningkatkan total asset

dan kredit yang diberikan, memperbaiki manajemen kredit

macet, meningkatkan pendapatan, dan meningkatkan

efisiensi biaya dan terus membangun kebijakan usaha

yang selaras dengan rencana strategis bank Di tahun

mendatang, bank akan terus memajukan bisnis proses

yang efisien dan mengefisiensikan model organisasi

untuk meyakinkan bahwa seluruh bagian organisasi dapat

bekerja sama secara efisien dan harmonis.

On November 6, 2013, for the expansion of

business, the Bank has opened 1 (one) Branch

Office in Medan, located in the B & G Tower,

Ground Floor, Jalan Putri Hijau No. 10, Medan,

with permission No.15/231/DPIP.

The bank has continuously increased its total assets

and loans, and improved the management of non-

performing loans, of revenue, of costs efficiency

and the bank will create policies that are alligned

with its strategic plan.

In the coming year, the bank will continue to

improve the efficient business process and

organizational model to ensure that all parts of the

organization are working together efficiently in

harmony.


ANNUAL REPORT

LAPORAN GOOD CORPORATE

GOVERNANCE BANGKOK BANK CABANG

JAKARTA TAHUN 2013

1. Ruang Lingkup Tata Kelola Perusahaan (GCG)

Sebagai pedoman bagi pelaksanaan Tata Kelola

Perusahaan, Bank telah mendeskripsikan peran

dan tanggung jawab Komite Manajemen dalam

pedoman Komite Manajemen bank. Seluruh aturan

internal lainnya yang ditetapkan didasarkan

dengan peraturan yang berlaku dan mengacu pada

pinsip-prinsip GCG.

Dalam menjalankan bisnisnya, Bangkok Bank

Cabang Jakarta menjalankan Prinsip Good

Corporate Governance sebagai dasar agar dapat

mempertahankan pertumbuhannya. Bank juga

telah menyebarkan kebijakan tersebut kepada tim

manajemen, eksekutif, dan staf sebagai informasi

dan ketaatan akan peraturan. Bank juga telah

menugaskan setiap supervisor di semua tingkat

untuk menjadi contoh yang baik dan mendorong

agar kebijakan yang dibuat tersebut dipatuhi.

Dalam proses pengawasan operasional secara

internal, Bank telah membentuk Unit Kepatuhan

agar sesuai dengan peraturan yang ada di

Indonesia dan Bank Indonesia.

Penerapan Prinsip Good Corporate Governance di

Bangkok Bank dibagi menjadi 7 aspek cakupan

GCG beserta kepatuhan bank terhadap aspek-

aspek tersebut yang meliputi:

1.1 Kinerja Tugas dan Tanggung Jawab dari

Dewan Komisaris dan Direksi.

Bangkok Bank Cabang Jakarta adalah kantor

cabang dari Bangkok Bank, Thailand, oleh karena

itu Dewan Komisaris yang dikenal dengan nama

Non-Eksekutif Director bertempat di Kantor Pusat

Thailand. Dewan Komisaris bertangggung jawab

dalam penerapan prinsip Good Corporate

Governance dan mengawasi kebijakan dan arah

bisnis bank.

Dalam hubungannya dengan Bangkok Bank

kantor cabang Jakarta, International Banking

Group (IBG) yang berlokasi di Kantor Pusat

Bangkok, menjalankan fungsi pengawasan dari

Dewan Komisaris. Laporan fungsi pengawasan

dari IBG tersebut untuk melihat pada fungsi

Dewan Komisaris dalam mengevaluasi kinerja

manajemen kantor cabang Jakarta dan laporan

tersebut telah diterima setiap 3 bulan sekali.

REPORT ON BANGKOK BANK INDONESIA

BRANCH ACTIONS IN COMPLIANCE WITH

THE PRINCIPLES OF GOOD CORPORATE

GOVERNANCE FOR 2013.

1. Scope of Good Corporate Governance (GCG)

As guidance for Good Corporate Governance’s

implementation, Bank has already described role

and responsibilities of Manangement Committee in

the Management Committee guidelines. All other

internal regulations are based on the operative

regulation and referring to GCG principles.

The Bank, therefore conducts its business in-line

with the principles of Good Corporate Governance,

which form a basis for sustainable growth. The bank

has disseminated the policy to its management team,

executives and staff for their knowledge and

observance and has also assigned supervisors at all

level to encourage good example as well as

compliance with the policy.

The bank has established a Compliance Unit to

oversee its internal operations to be in compliance

with the regulation of the local authorities and Bank

Indonesia.

There are 7 (seven) Good Corporate Governance

aspects which reflect the implementation of bank’s

Good Corporate Governance including bank

compliance toward to each aspect as follows:

1.1 Performance of duties and responsibilities of

Board of Commissioners and Board of

Directors.

1.2

Bangkok Bank, Jakarta branch is a branch

office of Bangkok Bank, Thailand, therefore Board

of Commissioners who is known as Non- Executive

Directors are domiciled at Bangkok Head Office,

Thailand. This Board of Commissioners assumes

responsibility for the implementation of Good

Corporate Governance and oversees the business

policy and direction of the bank.

For Bangkok Bank, Jakarta branch in this matter,

the International Banking Group (IBG) domiciled at

Bangkok, Head Office, is closely conducting the

oversight role function of Board of Commissioners.

Oversight function report from International

Banking Group in regard to Board of

Commissioners function for evaluating performance

of Jakarta branch management on quarterly basis.


ANNUAL REPORT

Sementara itu, Direksi atau Pimpinan

Bangkok Bank Cabang Jakarta yang dipimpin

oleh General Manager dan wakil General Manager

serta Direktur Kepatuhan. Pimpinan kantor akan

memimpin Komite Manajemen yang bertanggung

jawab atas pembentukan dan pelaksanaan atas

sasaran strategis dan keuangan dari Bank dan juga

mengkaji ulang serta mendiskusikan masalah

yang berhubungan dengan operasional bank.

Komite Manajemen Cabang juga bertanggung

jawab untuk mengawasi:

a. Audit Internal dan Unit Control untuk

memastikan pelaksanaan fungsi internal audit

dan mengambil tindakan berdasarkan pada

temuan-temuan dari audit internal.

b. Fungsi Unit Manajemen Risiko adalah untuk

pertanggungjawaban dalam rangka

pengembangan, pengukuran dan pemeliharaan

kerangka kerja manajemen risiko.

c. Unit Kepatuhan untuk mengawasi penerapan

praktek good corporate governance dan

memastikan kepatuhan bank terhadap peraturan

dan hukum yang berlaku.

1.2. Struktur, Keanggotaan, Tugas dan

Tanggung Jawab Komite

Di Kantor Pusat Bangkok Bank, Thailand,

komite-komite tersebut telah diatur untuk

memonitor dan mengawasi operasional bank dan

melaporkan kemajuan yang terjadi ke Non-

Executive Direksi secara periodik. Komite-komite

ini terdiri dari Komite Audit, Komite Nominasi

dan Remunerasi, Komite Risk Monitoring, dan

Komite Manajemen.

Sementara itu Bangkok Bank Kantor

Cabang Jakarta, sebagai kantor cabang bank

asing tidak diharuskan untuk membentuk komite

tersebut sejak Dewan Direksi di Kantor Pusat telah

membentuknya.

Bagaimanapun di kantor pusat fungsi dari

tiap komite-komite tersebut telah diterapkan

dengan baik dan dibawah kontrol International

Banking Group (IBG) untuk mengawasi kinerja

manajemen dari kantor cabang Jakarta. Dan

laporan fungsi pengawasan dari International

Banking Group (IBG) juga telah diterima oleh

kantor cabang Jakarta setiap 3 bulan sekali.

Meanwhile, Board of Director or called Branch

Management (Pimpinan) of Bangkok Bank

Indonesia who is chaired by General Manager, and

Deputy General Manager and Compliance Director.

The Branch Management or Pimpinan shall lead the

Branch Management Committee who is responsible

for the formulation and execution of strategies and

financial objectives of the bank as well as reviewing

and discussing matters related to banking operation.

The Branch management is also responsible for

supervising:

a. Internal Audit and Control Unit for ensuring

the execution of internal audit function and taking

action based on regular internal audit findings.

b. Risk Management Unit function is to take

overall accountability for the development,

measurement and maintenance of the bank’s risk

management framework.

c. Compliance Unit for overseeing the

implementation of good corporate governance

practices and ensuring bank’s compliance with

the prevailing laws and regulations.

1.2 Structures, Membership, Duties and

Responsibilities of the Committees.

In Bangkok Bank- Head Office, Thailand, the

committees have been set up to closely monitor and

oversee the bank’s operation and report the progress

to the Non- Executive Board of Directors on a

regular basis. These committees include the Audit

Committee, Nomination and Remuneration

Committee, Risk Monitoring Committee and

Management Committee.

Meanwhile, Bangkok Bank, Jakarta branch as

foreign branch office in this regard does not have to

form such committees since Board of Directors at

Head Office has established them.

However, the functions of such committees

have properly implemented in Head Office and it

has been conducted under International Banking

Group (IBG) to oversee the Jakarta’s branch

management performance in respective committee

function. The oversight function report from

International Banking Group (IBG) has also been

received by Jakarta branch on quarterly basis.


ANNUAL REPORT

Fungsi dari masing-masing komite itu dapat

dideskripsikan sebagai berikut:

Komite Audit bertugas untuk membantu

Dewan Komisaris dalam proses audit laporan

keuangan, internal control dan audit, dan

pemilihan dan penunjukkan eksternal audit

bank.

Komite Risk Monitoring bertugas untuk

mengawasi dan memastikan profil manajemen

risiko bank apakah sudah cukup memadai,

sistematis, efisien, efektif dan

memaksimalkan nilai terhadap kinerja bank,

dan juga apakah sudah sejalan dengan rencana

strategis bank dan kebijakan manajemen

risiko secara keseluruhan.

Komite Nominasi dan Remunerasi bertugas

untuk memilih dan menunjuk orang yang

tepat untuk posisi pekerjaan yang ditentukan

dan juga untuk mengevaluasi kinerja secara

individu, dan kebijakan penggajian dan paket

benefit yang diterima oleh level eksekutif dan

staffnya.

Kinerja semua komite diatas telah diterapkan

dengan baik di Kantor Pusat.

Sedangkan penerapan strategi dan rencana bisnis

Bangkok Bank Indonesia diatur oleh komite

sebagai berikut:

a. Komite Manajemen

Untuk memastikan efisiensi kinerja bank yang

mencakup penelahaan secara periodik,

pengarahan operasional bank, kebijakan,

strategi, ALMA dan juga masalah

kepegawaian serta bagian umum yang akan

dibicarakan di dalam komite.

Komite Manajemen diketuai oleh General

Manager selaku Pimpinan Cabang dan 3 (tiga)

Deputy General Manager selaku wakil, yang

dibantu oleh :

- Head of Treasury

- Head of Operation

- Head of Compliance

- Head of Risk Management

- Head of Internal Audit

- Head of Marketing

- Head of Budget&Planning

Pertemuan rutin Komite Manajemen

dilakukan minimal 1 (satu) kali dalam satu

bulan, dan hasil pertemuan dicatat dalam

notulen yang diedarkan kepada anggota

komite dan disampaikan kepada IBG Kantor

Pusat.

The function of each committee can be

described as follows:

The objectives of the Audit Committee are to

assist the Board of Commissioners with regard

to process audit of financial reports, internal

control and internal audit and to select and

appoint the bank’s external auditors.

The objective of Risk Monitoring Committee is

to oversee and ensure that bank’s management

risk profile is adequate, systematic, efficient,

and effective and maximizes value to the bank

and is also to be in-line with the bank’s

strategic plan and overall risk management

policy.

The objective of Nomination and Remuneration

Committee is to select and nominate suitable

persons for appointment job position as well as

to evaluate individual performance and policy

of remuneration or benefit package for

executive level and its staffs.

All performance of committees above has already

been properly implemented in Head Office.

However, in implementing the strategic and

business plan of the bank, Bangkok Bank Indonesia

is managed under following committees:

a. Management Committee

To ensure proper and efficient running of the

entire operation covering periodical review and

directions of bank operation, policy, and

strategy, ALMA as well as personnel and

general affairs matters.

Management Committee is chaired by the

General Manager as Branch Manager and three

(3) Deputy General Manager as representative,

who is assisted by:

- Head of Treasury

- Head of Operation




- Head of Marketing

- Head of Budget & Planning

Management Committee conducted regular

meetings at least 1 (one) time in a month and

the results are recorded in the minutes of the

meeting circulated to committee members and

submitted to Headquarters IBG.


ANNUAL REPORT

b. Komite Kredit

Komite ini bertanggung jawab untuk

mengakses dan mempertimbangkan semua

portfolio bank, yang tercakup di dalamnya

nasabah kredit lancar maupun pinjaman kredit

bermasalah.

Komite kredit akan bertemu secara periodik

untuk menelaah dan mendiskusikan aktivitas

dari aplikasi kredit yang masuk, suku bunga

kredit, dan strategi marketingnya.

Fungsi dari Komite Kredit adalah

bertanggung jawab untuk menyetujui atau

menolak, merekomendasi aplikasi kredit

berdasarkan kewenangan kantor cabang.

Pertemuan rutin Komite kredit diadakan

setiap 2 minggu sekali atau disesuaikan

dengan kebutuhan dan hasil pertemuan dicatat

dalam notulen yang diedarkan kepada anggota


Pusat.

Komite Kredit diketuai oleh General Manager

selaku Pimpinan Cabang dan 3 (tiga) Deputy

General Manager selaku wakil, yang dibantu

oleh :

- Head of Marketing

- Head of Treasury

- Head of Operation

- Head of Compliance (non-voting)

- Head of Risk Management (non-voting)

- Head of Internal Audit (non-voting)

c. Komite Manajemen Risiko

Komite ini bertanggung jawab untuk

mengawasi penerapan kerangka kerja dan

strategi majemen risiko, komposisi risiko dari

setiap tipe risiko itu dan juga memeriksa

secara periodik prosedur dari manajemen

risiko.

Bangkok Bank Indonesia menggunakan

peringkat kredit yang handal sebelum

menyetujui semua kredit baru ataupun

perpanjangan fasilitas kredit. Penilaian ini

menjadi alat yang penting bagi manajemen

risiko kredit dan digunakan sebagai standar

underwritting dan juga panduan penetapan

harga.

Komite Manajemen Risiko diketuai oleh

Deputy General Manager bidang Operation

dan dibantu oleh 2 Deputy General Manager,

sedangkan General Manager diundang dan

hadir dalam pertemuan rutin Komite

Maagemen Risiko,

b. Loan Committee

This committee is responsible to assess and

consider all banks’ portfolio, which include

active and non-performing loan accounts.

The Loan Committee will meet periodically to

review and discuss the following activities of

loan application, loan pricing and marketing

strategies.

The Loan Committee responsibility and

function is to approve or reject, recommend or

decline credit application according to branch

authorization.

The routine meetings are held in every two

weeks or more often to match with the

requirement and the results recorded in the

minutes of the meeting circulated to committee

members and submitted to Headquarters IBG.

Credit Committee is chaired by the General

Manager as Branch Manager and three (3)

Deputy General Manager as representative,

who is assisted by:

- Head of Marketing

- Head of Treasury

- Head of Operation

- Head of Compliance (non-voting)

- Head of Risk Management (non-voting)

- Head of Internal Audit (non-voting)

c. Risk Management Committee

This committee is responsible to monitor the

implementation of risk management framework

and strategy, composition of risk for each type

of risks as well as periodically review on risk

management procedure. Bangkok Bank

Indonesia requires a valid credit rating prior

approval of any new or renewed credit facility.

Rating is one of the most important tools of

credit risk management and used in the

underwriting standards as well as in pricing

guidelines.

The Risk Management Committee is chaired by

the Deputy General Manager of Operations and

assisted by two Deputy General Manager,

meanwhile General Manager please invited in

the Risk Management Committee meeting.


ANNUAL REPORT

anggota dari Komite Manajemen Risiko :

- Head of Treasury

- Head of Operation




Pertemuan rutin Komite Manajemen Risiko

dilakukan minimal 1 (satu) kali dalam satu

bulan, dan hasil pertemuan dicatat dalam

notulen yang diedarkan kepada anggota


Pusat.

d. Komite Aset dan Liabilitas (ALCO)

Komite ini bertanggungjawab untuk mengatur

kinerja dari aset – aset dan liabilitas yang

dimiliki oleh Bank (ALMA). Dalam

melaksanakan tanggungjawab tersebut,

Komite ALCO melakukan langkah-langkah

sebagai berikut :

a. Memformulasikan dan memantai

penerapan strategi ALMA sesuai dengan

rencana bisnis Bank.

b. Memantau penetapan strategi harga untuk

memastikan hasil optimum, mengurangi

biaya penggunaan dana, dan menjaga

keseimbangan neraca keuangan Bank.

c. Mengevaluasi posisi risiko suku bunga

bank dimana harus konsisten dengan

manajemen risiko suku bunga

d. Berkoordinasi dengan Departemen

Treasuri Kantor Pusat dan Overseas

Treasury Center (OTC) dalam melakukan

manajemen aset dan liabilitas Bank.

Komite ALCO diketuai oleh General Manager

selaku Pimpinan Cabang dan 3 (tiga) Deputy

General Manager selaku wakil, yang dibantu

oleh :

- Head of Treasury

- Head of Operation




- Head of Marketing

- Head of Budget&Planning

Pertemuan rutin ALCO dilakukan minimal 1

(satu) kali dalam satu bulan, dan hasil

pertemuan dicatat dalam notulen yang

diedarkan kepada anggota komite dan

disampaikan kepada IBG Kantor Pusat.

Members of the Risk Management Committee:

- Head of Treasury

- Head of Operation




Regular meetings of the Risk Management

Committee conducted a minimum of 1 (one)

time in a month and the results are recorded in

the minutes of the meeting circulated to

committee members and submitted to

Headquarters IBG.

c. Asset and Liability Committee (ALCO)

This committee is responsible for managing the

performance of assets - assets and liabilities

held by the Bank ( ALMA ) . In carrying out

these responsibilities, ALCO Committee

perform the following steps :

1. Formulating and monitoring the

implementation of the strategy ALMA

accordance with the Bank's business plan.

2. Monitor price -setting strategies to ensure

optimum results , reduce the financing cost ,

and maintaining the balance of the Bank 's

balance sheet

3. Evaluate the bank's interest rate risk position

which must be consistent with the interest rate

risk management

4. Coordinate with Treasury Department

Headquarters and Overseas Treasury Center (

OTC ) in managing the assets and liabilities of

the Bank.

ALCO Committee is chaired by the General

Manager as Branch Manager and three (3)

Deputy General Manager as representative ,

who is assisted by :

- Head of Treasury

- Head of Operation




- Head of Marketing

- Head of Budget & Planning

Regular meetings of ALCO performed at least 1

(one) time in a month, and the results are

recorded in the minutes of the meeting

circulated to committee members and submitted

to Headquarters IBG.


ANNUAL REPORT

e. Komite Kredit Bermasalah

Komite Kredit Bermasalah (NPL Committee)

bertanggungjawab untuk membahas pinjaman

nasabah kepada Bank yang memiliki

kualitas/kategori Kurang Lancar (2) hingga

Macet (5).

Komite Kredit Bermasalah diketuai oleh

General Manager selaku Pimpinan Cabang

dan 3( tiga) Deputy General Manager selaku

wakil, yang dibantu oleh :

- Head of Operation


- Head of Marketing


Pertemuan rutin dilakukan minimal 1 (satu)

kali dalam satu bulan, dan hasil pertemuan

dicatat dalam notulen yang diedarkan kepada

anggota komite dan disampaikan kepada IBG

Kantor Pusat.

f. Komite Teknologi Informasi

Komite ini bertanggungjawab menyampaikan

rekomendasi penggunaan sistem IT kepada

manajemen guna mendukung pertumbuhan

bisnis dan efisiensi operasi Bank dalam

strategi jangka pendek dan menengah.

Komite Teknologi Informasi diketuai oleh

Deputy General Manager bidang Operation

dan Overseas Support Center (OSC) selaku

penasehat IT, anggota komite adalah :

- Head of Operation




- Head of Supporting Service

Pertemuan rutin dilakukan minimal 1 (satu)

kali dalam satu tahun, dan hasil pertemuan

dicatat dalam notulen yang diedarkan kepada

anggota komite.

e. Non-Performing Loans Committee (NPL

Committee)

NPL Committee is responsible for the customer

to discuss the bank loan that has a quality / Sub-

category (2) to Loss (5).

NPL Committee is chaired by General Manager

as Branch Manager and three (3) Deputy

General Manager as representative, who is

assisted by:

- Head of Operation


- Head of Marketing


Regular meetings conducted at least 1 (one)

time in a month, and the results are recorded in

the minutes of the meeting are circulated to

committee members and submitted to

Headquarters IBG.

g. Information Technology Steering Committee

This committee is responsible for providing

recommendations to the management of the use of

IT systems to support business growth and operating

efficiencies in the Bank's short-term and medium-

term strategy.

Information Technology Steering Committee,

chaired by the Deputy General Manager of Overseas

Operations and Support Center (OSC) as an IT

advisor, committee members are:

- Head of Operation




- Head of Supporting Services

Regular meetings conducted at least 1 (one) times a

year, and the results are recorded in the minutes of

the meeting are circulated to committee members.


ANNUAL REPORT

Adapun frekuensi rapat yang telah dilakukan

oleh masing-masing Komite selama tahun

2013 adalah sebagai berikut :

1.3. Kinerja dari Departemen Kepatuhan,

Internal Audit dan Eksternal Audit

Unit Kepatuhan dibentuk untuk membantu

manajemen dalam pengawasan internal

operasional dan juga kepatuhan pada

peraturan dari otoritas lokal.

Unit kepatuhan bertangung jawab dalam

mengkoordinasi unit operasional dan

mengumpulkan informasi guna tersedianya

informasi dalam pengkinian panduan kerja.

Unit kepatuhan harus bekerja secara

independen dan berdampingan dengan

manajemen dan staf di berbagai bisnis unit.

Peraturan Bank Indonesia dan peraturan

perundangan yang berlaku telah

disosialisaikan kepada unit terkait dan dibahas

dalam rapat komite manajemen terutama yang

memiliki dampak terhadap kegiatan

operational ,bisnis dan stategi bank.

Memastikan komitmen bank yang dibuat

kepada Bank Indonesia telah dipenuhi secara

tepat waktu. Satuan Kerja Kepatuhan telah

melaporkan pelaksanaan tugas dan tanggung

jawabnya kepada manajemen bank secara

triwulanan.

Satuan Kerja Kepatuhan juga memastikan

bahwa tindakan yang memadai telah

dilaksanakan guna mencegah terjadinya risiko

kepatuhan yang mungkin terjadi dan

mendorong terciptanya budaya kepatuhan

dalam bank.. Satuan Kerja Kepatuhan dan

petugas UKK juga mengkontrol pelaksanaan

Prinsip Mengenal Nasabah (KYC) dan

aktifitas anti pencucian uang (Anti Money

Laundering) sesuai dengan ketentuan yang

berlaku. Dalam upaya meningkatkan

Komite Frekuens

i

Komite Manajemen 12x

Komite Kredit 30x

Komite Manajemen

Risiko

12x

Komite Aset dan

Liabilitas

12x

Komite Kredit

Bermasalah

9x

Komite Teknologi

Informasi

2x

The frequency of meetings has been done by each

committee during 2013 are as follows:

1.3 Performance of Compliance functions,

internal audit and external audit.

Compliance unit has been established to assist

the management in overseeing its internal

operation so as to be in compliance with the

regulation of authorities.

The compliance unit has the responsibility in

coordinating with operation units and colleting

the information for the availability and updating

of work guidelines.

The compliance function shall have

independence and work closely with

management and staff in various business units.

BI regulations and prevailing laws have been

socialized to the relevant units and also been

discussed in the Management Committee

meeting, especially for regulations which have

significant impact to the operations, business

and strategy of the bank.

Ensuring the bank’s commitments made to

Bank Indonesia has been rectified in timely

manner.

Compliance unit also ensures that appropriate

action has been taken to prevent the potential

compliance risks which may occur and promote

the compliance culture within the bank.

Compliance unit has set up proper monitoring

procedure in preventing compliance failure in

submitting BI reporting requirement by each

responsible unit and escalated the monitoring

result in monthly Management Meeting.

Compliance unit has reported their activity and

responsibility to Branch Manager on quarterly

Komite Frekuensi

Management Committee 12x

Loan Committee 30x

Risk Management

Committee

12x

Asset and Liability

Committee

12x

Non Performing Loan

Committee

9x

Information Technology

Steering Committee

2x


ANNUAL REPORT

pemahaman atas penerapan KYC dan AML,

Satuan Kerja Kepatuhan akan terus

melakukan sosialisasi kepada unit bisnis

terkait untuk meyakinkan efektifitas

tugasnya.

Internal audit bank (SKAI) telah menyusun

rencana audit operasional dan setiap tahun

memeriksa semua unit bisnis berdasarkan

jadwal rencana auditnya.

Untuk tahun 2013 SKAI telah melakukan

fungsi kerjanya dengan independen dan

objektif.

Pada saat melakukan fungsi kerjanya, SKAI

telah mengevaluasi efisiensi dan keefektifan

internal kontrol bank dan kepatuhan pada

perundangan-undangan yang berlaku dan

peraturan Bank Indonesia.

Semua hasil temuan audit telah dilaporkan ke

manajemen kantor cabang dan divisi internal

audit kontrol Kantor Pusat dan informasi

rekomendasi audit akan disebarkan ke unit

bisnis yang bersangkutan untuk dilakukan

tindakan perbaikan selanjutnya.

Internal Audit (SKAI) juga mengawasi dan

mengikuti kemajuan perkembangan dan

perbaikan yang dibuat oleh unit bisnis yang

terlibat.

Internal Audit (SKAI) juga akan melakukan

pemeriksaan tahunan mengenai kecukupan

keamanan audit dan pengawasan internal dari

BI-RTGS dan Sistem Kliring Nasional Bank

Indonesia (SKNBI) apakah telah mematuhi

peraturan yang berlaku.

Setiap 3 tahun, Audit Eksternal Independen

ditunjuk untuk memeriksa keefektifan kinerja

dari SKAI termasuk kaji ulang atas fungsi

internal audit atas penggunaan Teknologi

Informasi. Pemeriksaan terakhir yaitu pada

bulan Mei 2011 dengan hasil yang cukup

memadai. Sedangkan pemeriksaan Audit

Eksternal Independen terhadap kinerja SKAI

akan jatuh-tempo pada bulan September 2014,

paling lambat. Bank telah menunjuk KAP J.

Tanzil untuk melakukan pemeriksaan

terhadap kinerja SKAI.

Sementara itu, untuk laporan eksternal audit

tahunan dan persiapan laporan tahunan, bank

telah menunjuk akuntan publik independen

yang terdaftar dalam list Bank Indonesia yang

bisa melakukan audit.

Penetapan kerja audit dari akuntan publik

meliputi kapasitas dari kantor akuntan publik,

bidang kerja audit, dan profesionalisme

pemeriksa.

Penunjukan akuntan publik untuk melakukan

basis.

Compliance unit and AML (UKK) officer are

also in control of Know Your Customer and

Anti-Money Laundering implementation

pursuant to regulation. In the effort to better

understanding for implementation of KYC/ and

AML, the compliance unit would continuously

perform socialization to relevant business unit

ensuring effectiveness of duty.

.

Banks’ Internal audit (SKAI) has already

arranged the operational audit plan and has

annually reviewed to all business units

according to its audit-planning schedule.

For year 2013, the bank’s SKAI has performed

its function independently and objectively.

In performing its audit function, SKAI has

conducted and evaluated toward the efficiency

and effectiveness of the bank’s internal control

and compliance to the prevailing laws and Bank

Indonesia regulations.

All audit findings have been reported to branch

management and internal audit control and

division – Head Office and disseminate its audit

recommendation to the business unit concerned

for further action to be taken.

Internal audit (SKAI) has also monitored and

followed up the progress development and

improvement made by business units involved.

Internal audit (SKAI) has also performed

annual review on the adequacy of security audit

and internal review for BI-RTGS and National

Clearing System (SKNBI) in order to be in

compliance with the regulation.

Every 3 (three) years, an Independent External

Reviewer/Auditor is appointed to review the

effectiveness of SKAI work performance

including review on internal audit function on

Information Technology use. The last review

was in May 2011 with satisfactory result. While

the External Audit examination to SKAI

performance is no later than September 2014.

Bank has appointed J. Tanzil external auditor to

conduct work performance examination on

Bank’s Internal Audit.

Meanwhile, for annual external audit

performance and preparing financial report,

bank has appointed independent public

accountant that registered under Bank

Indonesia’s approved list to conduct an audit.

The assignment of audit work to public

accountant covers the capacity of the assigned

public accountant firm, scope of audit work and

professionalism of the auditor.

The appointment of public accountant to


ANNUAL REPORT

audit laporan keuangan kantor cabang untuk

tahun 2013 telah disetujui oleh Komite Audit

Kantor Pusat.

Untuk tahun buku 2013, Akuntan Publik

Osman Bing Satrio dan Eni, yang merupakan

anggota Deloitte Tohmatsu telah ditunjuk

untuk melakukan audit keuangan bank dengan

hasil pendapat Wajar Tanpa Pengecualian.

1.4. Kinerja Manajemen Risiko dan Fungsi

Internal Kontrol.

Fungsi Manajemen Risiko bank mempunyai

tanggung jawab untuk berbagai macam aspek

risiko mencakup kredit, pasar, likuiditas,

operasional, legal, strategi, reputasi, dan risiko

kepatuhan dari bank.

Secara umum, manajemen kantor cabang telah

aktif memonitor dan mengawasi kebijakan

dan prosedur serta pengaturan limit untuk

setiap jenis risiko guna memelihara kondisi

manajemen risiko internal bank yang baik.

Unit Manajemen Risiko secara periodik

menyampaikan laporan profil risiko bank

setiap 3 bulan sekali dalam rangka

menganalisa dan mengatur kecukupan dari

setiap risiko.

Laporan tiga bulanan profil risiko bank telah

diajukan ke Bank Indonesia secara tepat

waktu.

Unit Manajemen Risiko juga telah secara

periodik menyampaikan laporan anti fraud

setiap 6 bulan sekali dalam rangka memantau

dan melakukan pencegahan risiko kejadian

fraud.

Laporan enam bulanan anti fraud bank telah

disampaikan ke Bank Indonesia secara tepat

waktu.

Unit Manajemen Risiko juga telah

mengadopsi model perhitungan Pendapatan

Bunga Bersih (NII) dan model Nilai Modal

Ekonomis (EVE) dari kantor regional Hong

Kong guna memonitor risiko suku bunga

sehubungan dengan risiko pasar. Unit

Manajemen Risiko juga telah melakukan

stress testing untuk risiko pasar, risiko

liquidity dan risiko foreign exchange serta

melakukan verifikasi terhadap kertas kerja

laporan bulanan risiko operasional dan

disamping itu juga memonitor posisi harian

dan limit-limit serta membuat laporan bulanan

analisa kredit portfolio.

conduct the audit of branch financial report for

year 2013 has been approved by Head Office-

Audit Committee.

For the year 2013, the Public Accountant

Osman Bing Satrio dan Eni under member of

Deloitte Tohmatsu has been appointed to

conduct financial audit of the bank with result

Unqualified Opinion.

1.4 Performance of Risk Management and

Internal Control Function.

The risk management function of the bank has

responsibility for various risk aspects covering

of credit, market, liquidity, and operational,

legal, strategic, reputation and compliance risks

of the bank.

In general, branch management has actively

monitored and supervised the policy and

procedure as well as limit arrangement type of

each risk in order to maintain the soundness of

bank internal risk management condition.

Risk management unit has periodically

submitted the bank’s risk profile reports on

quarterly basis for analyzing and managing the

adequacy of each risk.

This quarterly bank’s risk profile has been

timely submitted to Bank Indonesia.

Risk management unit has periodically

submitted the bank’s anti fraud reports on semi

annually basis for monitoring and conduct fraud

prevention.

This semi annually bank’s anti fraud report has

been timely submitted to Bank Indonesia.

Risk management unit has adopted the Net

Interest Income (NII) and Economic Value of

Equity (EVE) models from Hong Kong regional

office for monitoring interest rate risk relating

to market risk. RMU has also performed

general stress stesting for market risk, liquidity

risk and foreign exchange risk as well as

verification to monthly operational risk self

assessment report, besides monitoring daily

position and limit as well as providing monthly

portfolio credit analysis.


ANNUAL REPORT

1.5 Prinsip Kehati-hatian dalam Pemberian

Kredit kepada Pihak-Terkait dan Grup

Debitur Besar.

Bank tidak diperbolehkan masuk ke dalam

suatu kondisi atau perjanjian dimana bank

diharuskan memberikan dana yang melanggar

BMPK (Batas Minimum Pemberian Kredit)

dan batas pemberian fasilitas kredit.

Berdasarkan Peraturan Bank Indonesia

pemberian kredit kepada pihak-terkait dan

atau kelompok debitur besar masing-masing

tidak boleh melebihi 10% dan 25% dari modal

bank. Tidak ada pelanggaran BMPK kepada

kelompok debitur besar dan pihak-terkait.

Semua keputusan pemberian kredit harus

disetujui oleh komite kredit yang para

anggotanya akan memeriksa dan memberi

komentar atas masalah yang ada di aplikasi

kredit.

Bank telah mengkinikan internal limit guna

memonitor terjadinya pelampauan BMPK.

Selama penilaian aplikasi kredit, account

officer harus memeriksa latar belakang profil

perusahaan dan manajemennya, dan juga

informasi yang relevan menurut faktor-faktor

yang diperhitungkan mengenai pihak-terkait

dan grup debitur.

Per tanggal 31 Desember 2013, saldo

pemberian kredit (dalam jutaan rupiah):

a. Pihak-terkait : Rp. Nihil

b. Debitur Inti:

- Individual Rp. 2.365.569

- Kelompok Rp. 8.022.179

1,6 Rencana Strategi Bisnis Bank

Target Jangka Pendek 1 tahun, menurut misi

dan visi bank.

Untuk tahun 2014, Bank merencanakan untuk

peningkatan atas portfolio pinjamanya sekitar

30% dibandingkan dengan saldo pinjaman pada

akhir 2013. Penambahan ini dikontribusi oleh

debitur baru and juga peningkatan pinjaman

bagi debitur lama. Dengan ini, di tahun 2013,

bank tetap berfokus pada prudent banking

principle untuk menjaga kualitas kredit nasabah

yang ada.

Sedangkan untuk kredit bermasalah (NPL)

masih di bawah ketentuan di tahun 2013.

Dalam hal penanganan kredit bermasalah

(NPL), bank tetap memberikan perhatian khusus

1.5 Prudential principles in fund provision to

Related-parties and in Large-exposures.

The bank is prohibited to enter into condition or

agreement that obligate bank to provide fund,

which will violate the LLL and credit facility

limit granted.

Fund provision to Related- party and /or in

Large- exposures are in accordance with Bank

Indonesia regulation, which the Legal Lending

Limit for related-party and in large exposure not

exceeded 10 % and 25 %, respectively of the

bank capital. There was no breach on the Legal

Lending Limit for large exposures and Related-

party.

Any credit decision made must be approved by

Loan committee meeting and member of Loan

committee will review and comment on the

credit application on certain issues.

Bank has updated the internal limit for

monitoring the LLL impelemtation.

During the credit application assessment,

account officer must check on the back- ground

of the company profile and management, as

well as relevant information according to

factors counted as related party and or group

borrower.

As of December 31, 2013 the outstanding

balance of ( in million of Rupiah):

a. Related- party Rp. None

b. Core debtor :

- Individual Rp 2.365.569

- Group Rp 8.022.179

1.6 Bank’s strategic business plan

Short Term Target 1 year, according to the

bank's mission and vision.

For the year 2014, Bank plans to increase its

loan portfolio approximately 30% compared to

the loan balance at the end of 2013. This

increase due to new debtor and also the loans

increase to existing borrowers. Thus, in 2013,

Bank remains focused on prudent banking

principle to maintain the credit quality of

existing customers.

As for non-performing loans (NPLs) are still

under the provisions in the year 2013.

In terms of handling non-performing loans

(NPL), Bank still pays special attention to lower


ANNUAL REPORT

untuk menurunkan saldo rekening kredit

bermasalah. Hal yang telah dilakukan bank

dalam usaha penurunan rasio kredit bermasalah

yaitu dengan melakukan eksekusi agunan dan

arus kas nasabah.

Dilain hal, guna mendukung pertumbuhan

kredit, bank merencanakan meningkatkan

pertumbuhan Dana Pihak Ketiga (DPK) melalui

Cabang Jakarta dan Cabang Pembantu Surabaya

dan Medan.

Di tahun 2014, bank memproyeksikan

peningkatan pendapatan bunga bersih

dibandingkan tahun 2013. Untuk mencapai

tujuan ini, bank akan menerapkan 3 strategi

kunci dengan peran aktif para pihak baik di

cabang Jakarta serta cabang pembantu Surabaya

dan Medan sebagai berikut:

Pertama, mendukung usaha debitur-debitur yang

memiliki sikap Good Corporate Governance

(GCG). Dalam hal ini bank secara tidak

langsung dapat melaksanakan prudential

banking principle, karena kecenderungan

perusahaan yang memiliki good corporate

governance akan lebih transparan, sehingga

bank dapat secara layak memantau

perkembangan usaha nasabah terkait.

Kedua, penambahan declared dana usaha dan

modal disetor guna mendukung kelanjutan dari

rencana pertumbuhan portofolio kredit untuk

mencapai target pinjaman untuk nasabah.

Ketiga, kerja sama antara team marketing

dengan bagian treasury untuk meyakinkan

nasabah-nasabah kredit dan deposito untuk

melalukan penempatan dananya pada bank

dengan diberikan bunga yang menarik, sehingga

bank tetap dapat terus memperoleh sumber

pendanaan yang berkesinambungan dengan

peningkatan kredit

Keempat, bank mendukung usaha dari nasabah-

nasabah yang mempunyai proyek terkait dengan

pelayanan (services) dan produksi baik untuk

orientasi pasar lokal dan ekspor.

Selain Kantor Cabang Jakarta dan Cabang

Pembantu Surabaya, Bank juga telah membuka

Cabang Pembantu di Medan yang mulai

beroperasi pada tanggal 6 November 2013.

Dengan ini diharapkan bank juga dapat

melayani secara efektif nasabah yang berlokasi

di wilayah Indonesia bagian barat.

account balances of nonperforming loans. This

has been done in an attempt to decrease the

bank NPL ratio by performing collateral and

cash flows of customers.

On the other hand, in order to support the

growth of credit, Bank plans to increase the

growth of Third Party Funds (TPF) Branch

through Jakarta and Surabaya and Medan

Branch.

In 2014, Bank is projecting an increase in net

interest income compared to the year 2013. To

achieve this goal, Bank will implement three

key strategies with the active participation of

both parties in Jakarta branch and sub-branch of

Surabaya and Medan as follows:

First, it supports business of borrowers who

have the attitude of Good Corporate

Governance (GCG). In this case the bank could

indirectly implement prudential banking

principle, due to the tendency of companies that

have good corporate governance will be more

transparent, so that the bank can properly

monitor the development of the customer's

business related.

Second, the addition of declared working

capital and paid up capital to support the

continuation of the loan portfolio growth plan

to achieve the target of lending to customers.

Third, cooperation between the marketing team

and treasury unit to ensure loan and deposit

clients to place its fund in bank by providing

competitive interest, so that banks can continue

to obtain sustainable funding source to credit

enhancement

Fourth, the bank supports the efforts of clients

who have service-related projects (services) and

good production for the local market and export

orientation.

Beside Jakarta Branch and Surabaya sub

Branch, Bank has also opened a Branch in

Medan which commenced operations on

November 6, 2013. It is expected for banks to

effectively serve customers located in the

western part of Indonesia.


ANNUAL REPORT

Pada tahun 2014, Bank berencana meluncurkan

beberapa aktifitas dan layanan baru sebagai

berikut:

Internet Banking yang diharapkan dapat

memberi nilai tambah bagi layanan bank ke

nasabah, dan di dalam layanan ini akan

meliputi layanan cek saldo, pembayaran dan

aktifitas export-import.

Bank Payment Obligation (BPO) yang

merupakan layanan menyangkut hal verifikasi

atas informasi transaksi nasabah Trade

Finance seperti Transaksi LC. Layanan ini di

harapkan dapat memberikan nilai tambah bagi

nasabah dalam hal efisiensi dan akurasi atas

informasi transaksi.

Bonds Repo

Cross Currency Swap

Selain itu, direncanakan pada tahun 2014,

seorang Deputy General Manager (DGM) akan

bergabung dengan Bangkok Bank cabang

Jakarta guna melakukan supervisi dan

mengembangkan kantor cabang Pembantu

Surabaya dan Medan, Peran dari DGM baru ini

adalah untuk membantu General Manager (GM)

dalam pengembangan bisnis bank ke depan.

Selain itu, direncanakan akan adanya satuan

Japanese Desk di kantor Cabang Jakarta yang di

kepalai oleh seorang tenaga asing dengan

jabatan advisory guna memberikan pelayanan

bagi nasabah Jepang yang di perkenalkan oleh

kantor pusat. Diharapkan, Japanese Desk akan

dapat memberikan kontribusi yang cukup berarti

bagi portfolio pinjaman bagi Bank.

Sebagai kesimpulan, strategi bank adalah

mendukung perbankan di Indonesia yaitu

memberikan pinjaman kepada sektor korporasi

dengan tujuan untuk mempertahankan

pertumbuhan ekonomi Indonesia di tahun 2014

dan mendatang. Dalam hal ini bank akan

mendukung nasabah yang membutuhkan

pinjaman investasi dan pendanaan atas export-

import.

Sedangkan untuk sumber pendanaan, bank

merencanakan untuk terus menggunakan dana

pihak ketiga, dana dari kantor pusat dalam

bentuk Dana Usaha dan modal disetor untuk

dapat di salurkan dalam bentuk pinjaman bagi

korporasi dan UMKM. Di tahun 2014, bank

berencana untuk menambah Modal Disetor

setara USD 150 Juta dan mendapatkan

tambahan Dana Usaha baru sebesar USD 150

Juta yang akan digunakan untuk terus

mendukung kebutuhan pinjaman pada nasabah

In 2014, the Bank plans to launch several new

activities and services as follows:

• Internet Banking is expected to add value to

the bank's services to customers, and in this

service will include service checks and

balances, payments and export-import

activities.

• The Bank Payment Obligation (BPO) services

in this regard which is the verification of the

customer transaction information such as Trade

Finance Transaction LC. This service is

expected to provide added value to customers in

terms of efficiency and accuracy of the

information transaction.

• Bonds Repo

• Cross Currency Swap

In addition, planned in 2014, a Deputy General

Manager (DGM) will join the Jakarta branch to

supervise and develop the sub branch of

Surabaya and Medan, The role of this new

DGM is to assist the General Manager (GM) in

the bank's future business development. In

addition, Japanese Desk is expected in Jakarta

branch and headed by a foreign power to

advisory positions in order to provide services

to customers in Japan are introduced by the

central office. Bank expected Japanese Desk

will be able to provide significant contribution

to the Bank's loan portfolio.

In conclusion, Bank's strategy is to support

banks in Indonesia, which lend to the corporate

sector with the aim to sustain economic growth

in Indonesia in 2014 and the coming years. In

this case the bank will support customers who

need loans and investments over the export-

import financing.

As for the source of funding, Bank plans to

continue to use third-party funds, the funds

from the central office in the form of Working

Capital and paid-up capital to be granted in the

form of loans to corporations and SMEs. In

2014, Bank plans to add an additional Paid-up

Capital amount of USD 150 Million and

Working Capital amount of USD 150 Million

that will be used to continue to support the

borrowing needs of the customers in Rupiah

and USD.


ANNUAL REPORT

dalam mata uang Rupiah dan USD.

Bank telah menempatkan dan memelihara Asset

yang digolongkan sebagai CEMA , minimum

sebesar Rp 1 Triliun dalam bentuk Surat

Berharga Negara Indonesia.

Dalam hal pemindahan Data Center (DC), Bank

merencanakan langkah strategis dalam

mempersiapkan pemindahan Data Center dan

Data Recovery Center kembali ke wilayah

Indonesia dalam jangka waktu 4(empat) tahun

ke depan, sesuai dengan implementasi Peraturan

Pemerintah no.82 tahun 2012 tertanggal 12

Oktober 2012 tentang penyelenggaraan sistem

dan transaksi elektronik. Dalam hal ini bank

akan mempersiapkan infrastruktur internal dan

sumber daya manusia yang memadai guna

pemindahaan tersebut dapat terealisasi.

Target Jangka Menengah (3 tahun) sesuai

dengan misi dan visi bank.

Dalam beberapa tahun terakhir ini, bank telah

mencapai kinerja keuangan yang positif sesuai

pertumbuhan organik. Bank juga bekerja sama

dengan nasabah-nasabah utama dan kelompok

nasabah dalam rangka pengembangan

aktivitasnya didalam industri perbankan.

Ada 4 strategi kunci untuk mendukung target

kami, seperti:

1. Secara keuangan, bank akan tetap berusaha

untuk melaksanakan prudent banking, serta

tetap memelihara stabilitas jangka

menengah dan panjang dari pertumbuhan

aktiva dan modal dan pendapatan.

2. Dalam hal pendekatan pada pasar /

nasabah, bank akan terus berusaha

meningkatan dana pihak dari individual dan

perusahaan.

3. Meningkatkan pelayanan kepada nasabah

melalui pelatihan staff dan pengembangan

keahlian.

4. Bank akan terus memonitor kinerja

keuangan bank, sehingga bank dapat

mengkaji ulang dengan langkah-langkah

untuk memperbaiki kinerja dan strategi.

Target Jangka Panjang (5 tahun) sesuai

dengan arahan dari Kantor Pusat.

Mengembangkan investasi antar negara bagi

para nasabah Bank dengan melakukan

referral antar Kantor Pusat dan cabang-

Bank has already place and maintain CEMA

Asset minimum Rp 1 Trilion in the form of

Indonesian Government Bond.

In the case of the transfer of the Data Center

(DC), the Bank planned strategic step in

preparing for the transfer of Data Center and

Data Recovery Center back to Indonesia in a

period of 4 (four) years, in accordance with the

implementation of Government Regulation

No.82 of 2012 dated October 12 2012 on the

implementation of systems and electronic

transactions. In this case the bank will prepare

internal infrastructure and adequate human

resources for the implementation of its on-

shoring.

Medium Term Targets (3 years) in

accordance with the mission and vision of the

bank.

In recent years, the bank has achieved positive

financial performance in accordance organic

growth. Bank is also working with major

borrower and groups borrower in order to

develop its activities in the banking industry.

There are 4 key strategies to support our target,

such as:

1. Financially, Bank will continue to strive to

implement prudent banking, while maintaining

the stability of the medium-and long-term

growth and capital assets and income.

2. In terms of the approach to the market /

customer, the bank will continue to increase

funding from individual and corporate parties.

3. Improve customer service through staff

training and skills development.

4. Bank will continue to monitor the financial

performance of the bank, so the bank can

monitor with measures to improve performance

and strategy.

Target Long Term (5 years) in accordance

with the directives of the Central Office.

• Develop inter-state investment bank for its

customers by making referrals between the

Head Office and branches of overseas Bank,


ANNUAL REPORT

cabang Bank di Luar Negeri, dan Japanese

Desk untuk mengembangkan usaha nasabah

Jepang yang di perkenalkan oleh Kantor Pusat

di Jakarta.

Memilih untuk mendanai industri-industri di

Jakarta yang dapat menyerap permintaan yang

tinggi dan berkelanjutan dalam negeri maupun

ekspor ke Luar Negeri.

Perkuatan jaringan aktivitas cabang di

kawasan Asia dan Asia Tenggara guna

menyokong Program Ekonomi Asia

Tenggara. Dalam hal ini, peran cabang Jakarta

diharapkan dapat memberikan kontribusi yang

berarti dalam menyongsong program

Ekonomi Asia Tenggara.

a) Transparansi Kondisi Keuangan dan Non-

Keuangan

Bank telah menyiapkan dan memenuhi semua

laporan sesuai prosedur seperti yang

ditetapkan di dalam peraturan Bank

Indonesia.

Bank menyadari pentingnya

mengkontribusikan informasi ke masyarakat,

pemegang saham, dan komunitas. Untuk

masalah ini, Bangkok Bank kantor cabang

Jakarta percaya bahwa laporan ke pemegang

saham seperti disebutkan diatas akan

meningkatkan nilai organisasi kantor cabang

dan akan mempertahankan kestabilan kondisi

keuangan.

Bank juga menerbitkan informasi keuangan di

surat kabar lokal dan laporan tahunan bank.

Sementara untuk informasi non-keuangan

seperti informasi produk bank, informasi

mediasi bank, dan Lembaga Penjamin

Simpanan (LPS) diumumkan di lobi kantor

bank.

Sejak Desember 2012 Bank telah mempunyai

local website sendiri yaitu

(www.bangkokbank.co.id) untuk

menyediakan informasi secara elektronik ke

publik.

2 Informasi Kepemilikan Saham dalam

Hubungannya dengan Dewan Komisaris dan

Direksi

Bangkok Bank Cabang Jakarta adalah kantor

cabang dari Kantor Pusat Bangkok Bank di

Thailand, dalam hal ini tidak ada informasi

kepemilikan saham bank yang dilaporkan dan juga

tidak ada hubungan keuangan dan keluarga

diantara anggota manajemen dengan pemegang

and Japanese Desk to develop business for

Japanese customers in Jakarta.

• Choosing to fund industries in Jakarta that

absorb high demand and sustainable in

domestic market and export to overseas.

• Strengthening the network activity of

branches in Asia and Southeast Asia to support

the Southeast Asian Economic Program. In this

case, the role of the Jakarta branch is expected

to make a significant contribution to Southeast

Asian Economic programs.

1.7 Financial and Non-financial conditions

transparency.

Bank has prepared and complied with all

reports requirement with procedures and

coverage as stated in Bank Indonesia regulation.

The bank realizes the importance of

contributing information to public, stakeholder

and community. In this regard Bangkok Bank,

Jakarta branch believes that its treatment of

stakeholders in the previously mentioned ways

will help increase the value of the branch

organization and will sustain its stable financial

condition.

Bank has also quarterly published financial

information in local newspaper and bank’s

annual report. While, for non- financial

information such as banking product

information, banking mediation information and

Deposit Fund Guarantee (LPS) have been

announced in the bank’s banking hall.

Starting December 2012 report, bank has

already provided local website alone by using

homepage/website (www.bangkokbank.co.id)

in order to allow public to electronically access

the Bank’s financial and non- financial

information.

2. Shares ownership information in relation to

Board of Commissioners and Board of Directors

Bangkok Bank, Jakarta branch is a branch office of

Bangkok Bank – Head Office, Thailand, therefore,

there was no shares ownership information of the

bank to be declared and also there were no financial

and family relationship among management

members with bank’s controlling shareholders.


ANNUAL REPORT

saham bank.

3 Paket Remunerasi kepada Dewan Komisaris

dan Direksi

Paket Remunerasi untuk Pimpinan Bangkok Bank

dapat dijabarkan sebagai berikut:

a. Paket Remunerasi seperti gaji, bonus dan

tunjangan rutin dan fasilitas lain berkisar

antara Rp 6.553.120.683 per tahun untuk 5

orang.

b. Fasilitas lain dalam bentuk tunjangan seperti

rumah, transport, dan asuransi kesehatan

sebagai berikut:

- yang akan dimiliki : Rp. Nihil

- yang akan dipakai tapi tidak dimiliki:

Rp 703.160.000 per tahun untuk 5 orang

(General Manager, 3 Deputy General

Manager dan Direktur Kepatuhan).

- Fasilitas Asuransi Kesehatan untuk

manajemen lokal adalah Rp 29.249.300

Total paket remunerasi selama tahun 2013 adalah

sebagai berikut:

Jumlah Direksi/Man Komisaris

> Rp 2milyar 1 Nihil

Rp 1 s/d 2

milyar

1 Nihil

Rp 500jt s/d 1

milyar

2 Nihil

< Rp 500 jt 1 Nihil

4 Shares dan Option

Karena merupakan kantor cabang dari bank asing

maka tidak ada kepemilikan saham dan option

yang diberikan dan dilakukan oleh manajemen

Bangkok Bank Kantor Cabang Jakarta.

5 Salary Ratio

Rasio gaji karyawan tertinggi dan terendah =

17 : 1

Rasio gaji direksi tertinggi dan terendah =

6 : 1

Rasio gaji komisaris tertinggi dan terendah =

nihil

Rasio gaji Direksi dan karyawan teringgi =

3 : 1

3. Remuneration package of Board of

Commissioners and Board of Directors

Remuneration package for Bangkok Bank

Indonesia’s Pimpinan /branch management can be

described as follows:

a. Remuneration package such as salary, bonus,

routine allowance and other facility non benefit

in-kind are Rp. 6,553,120,683 per year for 5

persons

b. Other facilities in form of benefit in-kind such

as housing, transportation and health insurance

that:

- Will be owned: Rp None

- Will be used and not owned: Rp

703,160,000 per year for 3 persons

(General Manager, 3 Deputy General

Manager and Compliance Director).

- Health Insurance facility for local

management are Rp.29,249.300

Total remuneration package during year 2013

as follows:

Management Commissary

Above Rp 2

billion.

1 None

Rp 1 bilion up to

Rp 2 billion

1 None

Rp 500 million up

to Rp 1 billion.

2 None

Below Rp 500

million

1 None

4. Shares and Option

Due to as a foreign branch office, there was no

Shares owned and Option have been given and

executed by Bangkok Bank Indonesia’s branch

management.

5. Salary ratio

The highest and the lowest of employee salary

ratio = 17 : 1

The highest and the lowest of Director salary

ratio = 6 : 1

The highest and the lowest of Commissioner

salary ratio = None

The highest salary of Director and Employee

ratio = 3 : 1


ANNUAL REPORT

6 Pertemuan Dewan Komisaris

Karena Bangkok Bank kantor Cabang Jakarta

tidak mempunyai Dewan Komisaris di Kantor

Cabang, oleh karena itu tidak ada pertemuan

Dewan Komisaris yang diadakan di kantor cabang

Jakarta.

7 Penyimpangan Internal

Bank tidak memiliki penyimpangan internal

selama tahun 2013 dan 2012. Bank dalam

menjalankan usahanya selalu memperhatikan asas

kehati-hatian (prudential banking).

8 Permasahan Kasus Hukum

Selama tahun 2013 tidak terdapat kasus hukum

yang muncul.

9 Transaksi yang menyebabkan Benturan

Kepentingan

Selama tahun 2013, tidak terdapat transaksi yang

menyebabkan benturan kepentingan di kantor

cabang kami.

Bank tidak akan menentukan kondisi khusus untuk

transaksi yang berhubungan keterlibatan

manajemen. Bank telah membentuk komite kredit

untuk mengelola dan memonitor fasilitas kredit

yang akan dan telah diberikan kepada debitur and

tidak ada otorisasi dilakukan sendiri dalam

pemberian fasiltias kredit. Bank telah menerapkan

praktek yang baik yaitu meminta otorisasi dua

tingkat untuk semua transaksi dan juga dalam

pemisahan tugas.

10 Pembelian kembali saham dan pembelian

kembali obligasi

Selama tahun 2013, bank tidak mempunyai

transaksi untuk pembelian kembali saham dan

pembelian kembali obligasi.

11 Pemberian Dana kepada Aktivitas Politik dan

Sosial

Selama 2013, bank tidak menyediakan pemberian

dana bagi aktivitas sosial dan juga tidak

memberikan sumbangan ke aktivitas politik.

II. Penilaian Good Corporate Governance Bank

Sebagai bentuk komitmen dalam memenuhi

Peraturan Bank Indonesia No.8/4/PBI/2006

tanggal 30 Januari 2006 sebagaimana diubah

dengan PBI No.8/14/PBI/2006 tanggal 5 Oktober

2006 dan SE BI No.15/15/DPNP tanggal 29 April

2013 perihal Pelaksanaan Good Corporate

Governance Bagi Bank Umum, maka Bangkok

6. Board of Commissioners meetings

Bangkok Bank, Jakarta branch does not have Board

of Commissioner in the branch office, therefore

there was no Board of Commissioners meetings

were held in Jakarta branch office.

7. Internal Fraud

Bank has no internal fraud during 2013 and 2012.

The Bank is always excerted effort ensuring full

attention to prudential banking.

8. Legal matters

During 2013 there was no legal case occurs.

9. Transaction that pose conflict of interest

During 2013, there was no transaction that poses

conflict of interest that occurs in our branch.

Bank will not prescribe special condition for

connected transaction in favors of management

involved. The credit committee has been formed to

manage and monitor the credit facilities will be

given and already given to borrower and there shall

be no single authority in granting credit facilities.

Bank has implemented good practices for dual

control authorization level requirement on any

transactions as well as segregation of task.

10. Buy back shares and buy back bonds

During 2013, the bank does not have any transaction

for buy back shares and buy back bonds.

11. Fund provision to social and political activities.

During 2013, the bank does not have provided fund

provision to social activity and there was also no

donation to political activity.

II. Good Corporate Governance Self – assessment

As a commitment to meet the Bank Indonesia Regulation

No.8/4/PBI/2006 dated January 30, 2006 as amended by

PBI No.8/14/PBI/2006 dated October 5, 2006 and BI SE

29th No.15/15/DPNP April 2013 concerning the

implementation of Good Corporate Governance for

Banks, the Bangkok Bank routinely perform self

assessment has been conducted in a comprehensive and


ANNUAL REPORT

Bank secara rutin telah melakukan Self Assessment

yang dilakukan secara komprehensif dan

terstruktur dengan mengintegrasikan faktor-faktor

penilaian ke dalam 3 (tiga) aspek governance,

yaitu governance structure, governance process,

dan governance outcome.

Penilaian Good Corporate Governance Bank telah

dikaji ulang secara periodik dan dinilai setidaknya

setiap semester. Hasil penilaian Good Corporate

Governance bank merupakan bagian terintegrasi

dari laporan penerapan Good Corporate

Governance.

Pelaksanaan prinsip Good Corporate Governance

(GCG) Bangkok Bank cabang Jakarta telah

berlandaskan pada 5 prinsip dasar yang telah

dipatuhi dan penilaian kecukupan dan efektivitas

pelaksanaan prinsip GCG dilakukan secara

komprehensif dan terstruktur atas ketiga aspek

governance, yaitu governance structure,

governance process dan governance outcome.

Dari penilaian sendiri atas pelaksanaan GCG,

berikut adalah aspek pada GCG yaitu :

a. Governance Structure

Bank telah memiliki kecukupan struktur tata

kelola dalam proses pelaksanaan prinsip GCG

dimana komposisi anggota manajemen Bank telah

sesuai dengan ketentuan kompleksitas dan skala

bisnis usaha Bank. Mayoritas anggota manajemen

Bank memiliki pengalaman di bidang operasional

perbankan.

Bank telah membentuk fungsi kepatuhan, SKAI

dan SKMR yang independent dari satuan kerja

operation dan Bank juga telah memiliki

infrastruktur yang memadai dalam bentuk SDM,

IT, jaringan kantor, kebijakan dan prosedur dalam

menerapkan prinsip GCG dan didukung openuh

oleh yang didukung penuh oleh IBG kantor pusat

yang menjalankan fungsi selaku Dewan komisaris.

Adapun fungsi dewan komisaris dan komite-

komite dilakukan oleh IBG, Kantor Pusat terhadap

kinerja kantor cabang Jakarta yang hasilnya

berupa laporan pengawasan dari IBG yang dikirim

secara berkala tiap 3 bulan kepada kantor cabang

Bangkok Bank Jakarta. Guna mendukung

transparansi, Bank telah memiliki local website

yang memuat informasi finansial dan non finansial

serta produk perbankan yang dimiliki.

Terkait implementasi prinsip kepatuhan, Bank

senantiaa mensosialisasikan kepada seluruh

jenjang dalam Bank tentang ketentuan-ketentuan

structured to integrate the assessment factors into three

(3) aspects of governance, ie governance structure,

governance, process, and governance outcome.

Assessment of Good Corporate Governance Bank has

periodically reviewed and assessed at least every

semester. The assessment result of good corporate

governance of banks is an integrated part of the

implementation of good corporate governance report.

Implementation of Good Corporate Governance (GCG)

Bangkok Bank Jakarta branch has been based on five

basic principles that have been followed and the

assessment of the adequacy and effectiveness of the

implementation of corporate governance principles to be

comprehensive and structured of the three aspects of

governance, ie governance structure, governance and

process governance outcomes.

Self-assessment for the implementation of good

corporate governance, the following are aspects of the

GCG namely:

1. Governance Structure

The Bank has adequate governance structures in the

implementation of corporate governance principles in

which the composition of the Bank's management in

accordance with the terms of the complexity and scale of

the Bank's business. The majority of members of the

Bank's management have experience in banking

operations.

Bank has established a compliance function, Internal

Audit and Risk Management independent from

operations unit and the Bank has adequate infrastructure

in the form of HR, IT, office networks, policies and

procedures in applying the principles of good corporate

governance and is fully supported by IBG headquarters

which perform the function as the Board of

Commissioner. The functions of the board of

commissioners and committees made by IBG, to assess

performance of the Jakarta branch office which results in

monitoring reports which sent periodically every 3

months to the Bangkok Bank branch office in Jakarta. In

order to support transparency, the Bank has a local

website that contains financial and non financial

information and bank owned products.

Related to the implementation of the principle of

compliance, Bank always disseminates about the new

provisions, the precautionary principle, the principle of


ANNUAL REPORT

baru, prinsip kehati-hatian, prinsip manajemen

risiko, budaya kepatuhan, pengendalian internal.

Manajemen mendukung penuh proses yang

menjamin implementasi GCG dalam Bank.

Selain itu, kantor pusat Bangkok Bank mendukung

penuh rencana bisnis Bank dalam rangka

peningkatan pertumbuhan kredit portfolio dan

penambahan modal disetor dan dana usaha guna

memperkuat struktur permodalan Bank.

b. Governance Process

Fungsi pengawasan dewan komisaris dilakukan

oleh International Banking Group (IBG). Hasil

pengawasan tersebut diungkapkan dalam laporan

berkala yang telah disampaikan kepada Kantor

Cabang Jakarta.

Bank telah memiliki komite-komite untuk

membantu manajemen Bank, yaitu : Komite

Manajemen, Komite Manajemen Risiko, Komite

NPL, IT Steering Committee. Rapat komite

dilakukan secara berkala,

c. Governance Outcome

Seluruh hasil rapat manajemen dan komite telah

dituangkan dalam risalah rapat dan Bank telah

melaporkan kepada OJK terkait pelaksanaan tugas

dan fungsi kepatuhan, internal audit, dan SKMR

serta pelaporan terkait pelaksanaan GCG.

Penilaian sendiri Bank didasarkan pada prinsip

Good Corporate Governance yang terdiri dari

- Kecukupan transparansi laporan;

- Kepatuhan terhadap peraturan perundang-

undangan;

- Perlindungan konsumen;

- Oyektivitas dalam melakukan assessment/audit;

- Kinerja Bank seperti rentabilitas, efisiensi, dan

permodalan; dan/atau

- Kepatuhan terhadap ketentuan yang berlaku.

Dari hasil penilaian sendiri dapat dilihat bahwa

peringkat penerapan GCG memiliki peringkat 2

atau ‘Baik’.

risk management, a culture of compliance, internal

control to all levels within the Bank. Management fully

supports the process that ensures the implementation of

GCG in Bank.

Additionally, the headquarters of Bangkok Bank fully

supports the Bank's business plan in order to increase

loan portfolio growth and additional paid-in capital and

operating funds to strengthen the Bank's capital

structure.

2. Governance Process

Commissioners oversight function performed by the

International Banking Group (IBG). The monitoring

results are disclosed in the periodic reports that have

been submitted to the Branch Office in Jakarta.

The Bank has committees to assist management of the

Bank, namely: Management Committee, Risk

Management Committee, and NPL Committee, the IT

Steering Committee. Committee meetings are conducted

regularly,

C. Governance Outcome

All the results of management meetings and committees

have been set forth in the minutes of meetings and the

Bank has reported to the OJK regarding the conduct of

the duties and functions of compliance, audit internal,

and Risk management and reporting related to the

implementation of GCG.

Bank's self assessment based on the principles of good

corporate governance consists of

- The adequacy of transparency reports;

- Compliance with laws and regulations;

- The protection of consumers;

- Objectivity in performing assessment / audit;

- The performance of the Bank such as profitability,

efficiency, and capital; and / or

- Compliance with applicable regulations.

From the results of the self assessment can be seen that

the application of corporate governance ratings have a

rating of 2 or 'Good'


ANNUAL REPORT

Kesimpulan Umum Pelaksanaan Good

Corporate Governance

Penilaian hasil laporan self-assessment tahun 2013

dilakukan oleh Bank telah sesuai dengan ketentuan

yang berlaku dan tidak ada hal-hal yang signifikan

ditemukan selama pemeriksaan GCG oleh

pemeriksa Bank Indonesia per posisi 30 Juni 2013

Bank telah menindak lanjuti rekomendasi yang

dibuat oleh Pemeriksa Bank Indonesia.

Tugas dan Tanggungjawab Direksi

A. General Manager (Chalit Tayjasanant)

Dalam menjalankan perannya, General Manager

memiliki tugas dan tanggungjawab sebagai berikut :

1. Memimpin pengelolaan seluruh kegiatan Bank

yang dijalankan sesuai kewenangan yang

diberikan.

2. Melakukan perencanaan dan strategi,

mengkomunikasikan pemasaran dan rencana

bisnis serta memantau implementasi rencana

bisnis

3. Melindungi kepentingan Bank dengan cara

memastikan kepatuhan terhadap arahan, prosedur

dan peraturan yang berlaku.

4. Menjaga kinerja keuangan Bank dan mengambil

langkah yang diperlukan agar target dan sasaran

bisnis tercapai.

B. Deputy General Manager (Joko Chahjono)

Dalam menjalankan perannya, Deputy General

Manager membawahi 4 (empat) Departemen, yaitu :

Operasional, Support&Service, Budget&Planning,

serta SWIFT&Settlement. Deputy General Manager


1. Memantau dan mengatur Operasional Bank dalam

melayani nasabah

2. Memantau dan mengkinikan Prosedur Standar

Operasi agar sesuai dengan Peraturan, situasi dan

lingkungan bisnis

3. Memastikan fungsi pencatatan akuntansi,

pelaporan dan teknologi informasi berjalan dengan

baik

4. Membuat perencanaan, proyeksi dan

penganggaran secara jangka pendek, jangka

menengah dan jangka panjang yang melingkupi

target bisnis, infrastruktur dan fungsi pendukung

5. Mengatur pelaksanaan SWIFT dan RTGS

General Conclusions Implementation of Good


Assessment reports results of self-assessment in 2013

conducted by the Bank in accordance with applicable

regulations and no significant matters discovered by the

examiner during the examination GCG Bank Indonesia

as of June 30, 2013, however Bank has followed up on

recommendations made by Banks Indonesia auditors.

Board of Management’s Task and Responsibilities

A. General Manager (Chalit Tayjasanant)

In establishing its roles, General Manager should

conduct its tasks and responsibilities, as follows :

1. Conduct the business of the Branch in a proper and

efficient manner and perform all duties within the

powers conferred on him as the Attorney of the

Bank so as to carry on the business of the Branch.

2. Plan, strategize and communicate marketing and

business plans and oversee the development and

implementation of the plans.

3. Protect the interests of the Bank by ensuring the

Branch’s compliance with the directives, guidelines

and regulations

4. Monitor the Branch’s business performance and

take necessary actions to ensure that the business

targets and objectives are achieved.

B. Deputy General Manager (Joko Chahjono)

In establishing its roles, Deputy General Manager

oversees 4 (four) departments, namely : Operational,

Support&Service, Budget&Planning, and

SWIFT&Settlement. Deputy General Manager should

conduct its tasks and responsibilities, as follows :

1. Monitor and supervise the Operation functions to

satisfy the customers

2. Review and update all the Standard Operating

Procedures (SOP) annually in accordance with the

new regulations from the regulators, business

environment and situation of the bank

3. Ensure functions of Accounting & Regulatory

Reporting and Electronic Data Processing (EDP) is

performing at its best standard

4. Supervise the unit to develop and improve the

annual budget, business plan and projection for

short term, medium term and long term that would

cover the business target sector, infrastructure and

supporting functions

5. Supervise the unit to manage SWIFT and RTGS in

daily operation


ANNUAL REPORT

C. Deputy General Manager (Nilubol Isarankura Na

Ayudya)


Manager membawahi 2 (dua) Departemen, yaitu :

Pemasaran dan Treasury. Deputy General Manager


1. Merencanakan, memformulasikan dan

pelaksanakan strategi kredit dan pemasaran untuk

meningkatkan bisnis.

2. Meneliti tingkat risiko kredit yang diterima,

strategi kredit, pengkategorian kredit, pemberian

fasilitas dan menyampaikan rekomendasi untuk

meningkatkan struktur kredit, dan kualitas kredit.

3. Mengembangkan dan menjaga hubungan bisnis

yang kuat dengan nasabah untuk meningkatkan

volume bisnis

4. Memantau implementasi rencana bisnis dan

transaksi nasabah serta menjaga agar tidak terjadi

pinjaman gagal bayar.

5. Membuat rencana bisnis yang melingkupi arah dan

target kredit dan simpanan.

6. Merencanakan, memantau dan melaksanakan

strategi untuk mencapai target Treasury

7. Memantau nilai tukar mata uang dan tingkat suku

bunga dalam batasan yang disetujui

8. Menjaga agar aset dan liabilitas Bank tetap dalam

batas yang ditetapkan

9. Mengatur penggunaan dana dalam semua mata

uang dan merekomendasikan tingkat suku bunga

simpanan dan pinjaman kepada Komite ALMA

D. Deputy General Manager (Udomsab Srirojanakul)


Manager membawahi 2 (dua) Departemen, yaitu : Unit

Analisa Kredit dan Unit Manajemen Risiko. Deputy

General Manager memiliki tugas dan tanggungjawab

sebagai berikut :

1. Memantau proses analisa kredit sesuai kebijakan

standar yang telah ditetapkan

2. Menyampaikan rekomendasi atau pendapat kredit

kepada Komite Kredit dalam menerima

permohonan fasilitas kredit agar sesuai dengan

tingkat risiko kredit yang diterima.

3. Mengembangkan dan menjaga penggunaan tool

dan metodologis manajemen risiko kredit dan

kebijakan, prosedur dan standar penerimaan kredit

4. Mengembangkan kebijakan dan prosedur

pemantauan risiko dalam Bank

C. Deputy General Manager (Nilubol Isarankura Na

Ayudya)


oversees 2 (two) departments, namely : Marketing and

Treasury. Deputy General Manager should conduct its

tasks and responsibilities, as follows :

1. Plan, formulate and implement credit & marketing

strategies to promote and secure business for the

Bank

2. Review acceptability of proposed credit risks,

suitability of account strategy, account grading and

facilities granted and propose recommendation to

improve loan structure, credit quality

3. Develop and maintain a strong business relationship

with clients in order to promote more business

volume

4. Review business plan implementation and

borrower’s accounts and ensuring earlier detection

of any possible problems that may lead to non-

performing loan status

5. Prepare annual business plan that cover the direction

and target sector for both lending and third-party

deposits.

6. Plan, review and implement effective strategies to

achieve the Branch’s Treasury profit target

7. Monitor the Branch foreign exchange/interest rate

exposure within approved limits

8. Ensure that our Asset and Liability are within the

approved limit

9. Manage Bank’s sources and uses of funds in all

currencies and recommend the Asset Liability

Management Committee (ALMA) in setting up the

level of interest rates for Customers deposits and

lending rate (OBR)

D. Deputy General Manager (Udomsab Srirojanakul)


oversees 2 (two) departments, namely : Credit

Acceptance Unit and Risk Management Unit. Deputy

General Manager should conduct its tasks and

responsibilities, as follows :

1. Supervise in reviewing the credit based on the

standard policy outlined by the Bank

2. Provide recommendation or credit opinion to

support the Loan Committee in approving credit

facilities within the framework of acceptable credit

risk rating

3. Develop and maintain the credit risk management

tools & methodologies, credit acceptance policy,

procedures and standards

4. Supervise the unit in developing and improving

various banking risks monitoring procedures and

policies


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5. Merekomendasikan kebijakan, standar dalam

melakukan persetujuan, pengukuran, pelaporan,

pemantauan dan analisa risiko yang sesuai dengan

kerangka manajemen risiko

E. Direktur Kepatuhan (Anwar Munaf)

Direktur Kepatuhan memiliki tugas dan tanggungjawab

sebagai berikut :

1. Memantau dan menjaga aktivitas Bank agar

tidak melanggar peraturan atau indikasi

ketidakpatuhan yang dapat meningkatkan

risiko Bank.

2. Memutuskan tindakan yang diperlukan dalam

memastikan Bank patuh dengan peraturan

OJK dan peraturan lain yang melingkupi

kerangka kehati-hatian dan prinsip Good


3. Memantau dan menjaga Bank dalam

memenuhi komitmen yang dibuat dengan

OJK

4. Menjaga manajemen Bank dari menerapkan

kebijakan atau mengambil keputusan yang

melanggar peraturan.

5. Menyampaikan saran dan mensosialisasikan

peraturan baru dari OJK atau pemerintah

Indonesia.

5. Recommend policies, standards and practices for the

approval, measurement, reporting, monitoring,

limiting and analysis of risk in line with the risk

management framework

E. Compliance Director (Anwar Munaf)

Compliance Director should conduct its tasks and

responsibilities, as follows :

1. Monitor and control the activities of the Bank so

that they do not breach the applicable stipulation

and regulation or have noncompliance indications

that would adversely effects the Bank risk

2. Determine necessary actions to be taken to ensure

that the Bank fully comply with Indonesia Financial

Service Authority (IFSA or OJK-Otoritas Jasa

Keuangan) regulations and other applicable laws

and regulations covering the framework of

implementing prudential and good corporate

governance principles

3. Monitor and control that the Bank fulfils any

commitment it made with Indonesia Financial

Service Authority (IFSA or OJK-Otoritas Jasa

Keuangan)

4. Prevent the management of the Bank from adopting

policies or making decision, which might breach the

applicable stipulations and regulations

5. Advice and distribute new and/or amendment of

applicable law and regulation from IFSA (or OJK)

and government of Indonesia


ANNUAL REPORT

PEREKONOMIAN INDONESIA 2013

Indonesia Economy in 2013

Selama tahun 2013 indikator makro ekonomi Indonesia

menunjukan fundamental ekonomi yang melambat. Nilai

tukar rupiah terhadap USD melemah dibandingkan dengan

tahun 2012 seiring dengan pertumbuhan ekonomi

Indonesia sebesar 5,8%.

Nilai Tukar

Nilai tukar USD pada tahun 2013 mengalami pelemahan

sebesar 2.500 nilai dasar dari Rp. 9.670 / 1 USD pada

akhir tahun 2012 menjadi Rp. 12.170 / 1 USD pada akhir

tahun 2013. Secara fundamental nilai tukar rupiah

terdepresiasi karena pengaruh faktor pelemahan

pertumbuhan ekonomi yang bersumber dari investasi yang

melambat sejak awal tahun akibat menurunnya persepsi

keyakinan pelaku bisnis terhadap perlambatan ekonomi.

Sementara ekspor masih tumbuh terbatas sejalan dengan

masih lemahnya pertumbuhan ekonomi dunia dan

penurunan harga komoditas global. Sebaliknya, konsumsi

masih tumbuh stabil dan tidak banyak terpengaruh oleh

kondisi global, serta masih menjadi mesin utama

pertumbuhan ekonomi.

Tingkat Inflasi

Inflasi pada tahun 2013 mencapai 8,4%, lebih tinggi dari

inflasi 2012 sebesar 4,3%, dan jauh di atas kisaran sasaran

inflasi 4,5%±1%. Berdasarkan regional, kenaikan inflasi

tahun 2013 tercatat tertinggi di kawasan Sumatera

dipengaruhi tingginya inflasi volatile food dan inflasi

administered price, sedangkan inflasi inti tercatat rendah.

Suku Bunga

Tingkat suku bunga acuan Bank Indonesia (BI rate)

dipertahankan pada level 7,50% di tahun 2013 Hal ini

sejalan dengan kebijakan pemerintah dalam mengatur

tingkat inflasi sesuai kisaran target.

Kondisi Sektor Perbankan

Kinerja industri perbankan, sebagai bagian dari sektor

keuangan Indonesia, tetap solid dengan risiko kredit,

likuiditas dan pasar yang cukup terjaga. Stabilitas sistem

keuangan didukung oleh kinerja perbankan yang positif

baik dari sisi fungsi intermediasi perbankan maupun

During 2013 Indonesia’s macroeconomic

indicators, in general, showed slows economic

fundamentals. The exchange rate of IDR against

USD was weakens maintained, and Indonesia

experienced 5.8% in economic growth.

Exchange Rate

The USD exchange rate in year 2013 was fell

against IDR by 2,500 basis points from Rp. 9,670 /

1 USD at the end year 2012 to become Rp. 12,170 /

1 USD at the end of year 2013. Fundamentally, the

IDR is significantly depreciated due to the

moderation in economy mainly derived from

investments that fell since the beginning of the year

due to the declining businesses confidence towards

a perceived economic slowdown. Meanwhile,

export growth continued to be fairly limited in line

with the weak global economic growth and a

decline in global commodity prices. On the other

hand, consumption continues to register stable

growth and was not much affected by global

conditions, as it is still the main engine for

economic growth.

Inflation Rate

Inflation in 2013 reached 8.4%, higher than the

2012 inflation of 4.3%, and was well above the

inflation target range of 4.5±1%. Sumatera is the

region with the highest level of inflation in 2013,

which was due to high level of volatile food and

administered price inflation.

Interest Rate

The BI reference interest rate was maintained at

level 7.50% in 2013. The policy is inline with the

fiscal policy to stabilize and to control inflation rate

within its target range.

Banking Sector Condition

Banking sector, as a part of Indonesia’s financial

sector, performed solidly while well maintaining

credit, liquidity and market risks. Financial system

stability was supported by positive performance of

the banking sector, both in terms of its intermediary


ANNUAL REPORT

efisiensi.

Secara keseluruhan, industri perbankan yang terdiri dari

Bank Umum dan Bank Perkreditan Rakyat (BPR) masih

mendominasi struktur sistem keuangan Indonesia. Hal ini

terlihat pada peningkatan pangsa pasar total aset industri

perbankan terhadap sistem keuangan, yang tercatat sebesar

78,8%, meningkat dibandingkan tahun 2012 yang sebesar

77,9%. Peningkatan total aset didukung oleh perluasan

jaringan usaha Bank, meskipun jumlah Bank Umum masih

tetap sebesar 120 bank, dengan komposisi 109 Bank

Umum Konvensional (BUK) dan 11 Bank Umum Syariah

(BUS). Perluasan jaringan usaha bank terlihat dari

peningkatan jumlah kantor BUK serta BUS dan Unit

Usaha Syariah (UUS). Jumlah kantor BUK tercatat

sebesar 16.062 kantor, meningkat dibandingkan tahun

2012 yang sebesar 14.398 kantor. Sementara itu, jumlah

kantor BUS dan UUS mencapai 2.492 kantor, meningkat

dibandingkan tahun 2012 yang sebesar 2.227 kantor.

Sebaliknya, jumlah BPR pada tahun 2013 mengalami

penurunan sebanyak 14 BPR, terkait adanya pencabutan

izin usaha (5 BPR) dan merger (17 BPR) yang diikuti

dengan pembukaan BPR baru (8 BPR). Pencabutan ijin

usaha dan merger beberapa BPR tersebut dilakukan dalam

rangka meningkatkan ketahanan industri BPR.

Peran perbankan dalam pembangunan nasional semakin

meningkat yang tercermin dari rasio kredit terhadap PDB

Indonesia pada 2013 yang tercatat sebesar 36%,

meningkat dari tahun 2012 yang sebesar 32%.

Untuk mendukung ekspansi penyaluran kredit, perbankan

masih mengandalkan DPK sebagai sumber utama

pembiayaan kredit. DPK pada tahun 2013 tercatat sebesar

Rp3.526,2 triliun atau tumbuh sebesar 13,6%, melambat

dibandingkan tahun 2012 yang sebesar 15,8% Peningkatan

tertinggi terjadi pada giro dan deposito yang disebabkan

terjadinya pergesaran dana masyarakat dari tabungan ke

deposito sebagai dampak dari kebijakan moneter yang

lebih ketat.

Peningkatan kredit yang tidak ditopang oleh peningkatan

DPK telah mendorong Perbankan untuk mencairkan alat

likuidnya. Pertumbuhan kredit yang lebih tinggi

dibandingkan DPK juga diikuti selisih nominal ekspansi

kredit yang lebih besar dibandingkan selisih nominal

pertambahan DPK. Hal ini menyebabkan rasio Loan to

Deposit Ratio (LDR) meningkat dari 83,8% (2012)

menjadi 89,9%.

Dari sisi profitabilitas, perbankan mencatat pertumbuhan

laba yang positif dan Return on Assets (ROA) yang masih

terjaga pada kisaran 3% (Grafik 8.10). Rata-rata laba

function as well as its efficiency.

Overall, the banking industry, which comprises

commercial banks and rural banks (BPR),

continues to dominate Indonesia’s financial market

structure. It is reflected in the growth of banking

sector market share as a percentage of the financial

system total assets, which stood at 78.8%, an

increase from 77.9% in 20121. The increase in total

assets was supported by the expansion of banking

network, while the number of commercial banks

remained at 120 banks, comprising 109

Conventional Commercial Banks (BUK) and 11

Islamic Banks (BUS)2. This expanding network is

evident from the increase in the number of BUK

branches as well as BUS and Islamic Business Unit

(UUS) branches. The number of BUK branches

stood at 16,062 branches, an increase from 2012

which stood at 14,398 branches. Meanwhile, the

number of BUS and UUS branches stood at 2,492,

an increase from 2,227 branches in 2012. In

contrast, the number of rural banks at the end of

2013 declined by 14 rural banks, resulting from

revocation of banking licenses (5 rural banks) and

mergers (17 rural banks), followed by the opening

of new rural banks (8 rural banks). Revocation of

banking licenses and mergers of several rural banks

were carried out in order to improve the resilience

of the Rural Banks industry.

Banking role in national economic development

intensified, as reflected in Indonesia’s bank loan-to-

GDP ratio at the end of 2013 which stood at 36%,

higher than 32% in 2012.

To support lending growth, banks continued to rely

on Third Party Funds (TPF) as the main funding

source. TPF at the end of 2013 amounted to

Rp3,526.2 trillion, growing 13.6% year-on-year,

which was slower than its annual growth of 15.8%

at the end of 2012 The highest growth occurred

within checking accounts and term deposits as a

result of a shift in funding allocation from savings

to term deposits due to tighter monetary policy.

Increase in lending which were not supported by an

increase in TPF has prompted banks to liquidate

their liquid assets. Relatively higher lending growth

compared to TPF growth was also shown in the

relatively higher nominal increase of loan growth

compared to nominal increase of TPF. These then

pushed the Loan-to-Deposit Ratio (LDR) to 89.9%

(2013) from 83.8% (2012).

In terms of profitability, banks registered positive

earnings growth and maintained Return on Assets

(ROA) within the range of 3% (Chart 8.10). The


ANNUAL REPORT

bersih per bulan industri perbankan mengalami

peningkatan dari Rp7,74 triliun pada 2012 menjadi Rp8,9

triliun. Net Interest Margin (NIM) 2013 menjadi sebesar

4,9%, lebih rendah dari tahun 2012 yang sebesar 5,5%. Rasio Biaya Operasional terhadap Pendapatan Operasional

(BOPO) membaik. Rasio BOPO tercatat sebesar 74,0%,

membaik dibandingkan tahun 2012 yang sebesar 74,2% Dari sisi permodalan, ketahanan perbankan nasional

semakin meningkat di tengah tekanan perlambatan

ekonomi. Hal ini tercermin dari modal bank umum

konvensional pada tahun 2013 yang tercatat sebesar

Rp643,4 triliun, meningkat dari tahun 2012 yang sebesar

Rp496,8 triliun. Capital Adequacy Ratio (CAR) pada

tahun 2013 sebesar 18,4%, juga meningkat dari tahun

2012 yang sebesar 17,3%.

Risiko kredit industri perbankan secara umum juga tetap

terjaga. Hal ini tercermin dari masih terkendalinya rasio

Non Performing Loan (NPL) gross industri perbankan

pada 2013 yang hanya mencapai 1,77%, menurun

dibandingkan NPL 2012 yang sebesar 1,87%. Penurunan

NPL disebabkan perbankan semakin meningkatkan aspek

kehati-hatian dalam penyaluran kredit, di tengah

melemahnya pertumbuhan ekonomi, kenaikan inflasi dan

depresiasi nilai tukar.

banking industry average monthly net profit

increased from Rp7.74 trillion in 2012 to Rp8.9

trillion. Net Interest Margin (NIM) ratio for 2013 to

4.9%, lower than its level of 5.5% for 2012.

The ratio of operating expenses to operating

revenue had improved. The ratio stood at 74.0% in

2013, better than 74.2% in 2012.

From the capital aspect, domestic banking sector

resilience improved amidst pressures brought about

by the economic slowdown. This was reflected in

bank capital that stood at Rp643.4 trillion in 2013,

higher than Rp496.8 trillion in 2012. The Capital

Adequacy Ratio (CAR) in 2013 was 18.4%, higher

than 17.3% in 2012.

The credit risk of banks was generally also well

maintained. This is reflected in the banking industry gross NPL ratio in 2013 which was

1.77%, lower than the NPL in 2012 which was

1.87% (Chart 8.13). The decline in NPL was the

result of banks intensive application of prudential

policy for lending, amidst weak economic growth,

rising inflation, and depreciating exchange rate.


ANNUAL REPORT

LAPORAN MANAGEMEN

Management Report

Selama periode tahun 2013, Bangkok Bank secara

berkesinambungan telah meningkatkan kinerjanya dengan

berbagai cara. Beberapa aspek yang berkaitan dengan hal

tersebut adalah sebagai berikut:

Produk dan Jasa

Fokus usaha bank adalah pada sektor korporasi perbankan

dengan lingkup bisnis utamanya didalam transaksi

perdagangan luar negeri. Bank menyediakan berbagai

macam produk dan jasa perbankan untuk melayani

kebutuhan yang spesifik dari nasabah. Untuk menarik

lebih banyak nasabah dan untuk meningkatkan kualitas

pelayanan bank dengan tingkat harga yang kompetitif.

Produk dan Jasa yang ditawarkan bank adalah:

1. Pinjaman

2. Deposito

3. Pengiriman uang

4. Kegiatan Ekspor dan Impor

5. Jaminan Bank

6. Transaksi Valuta Asing

Teknologi Informasi

Untuk meningkatkan efisiensi dan produktivitas kerja dan

untuk menyediakan pelayanan yang lebih baik untuk

nasabah, bank memandang bahwa teknologi mempunyai

peranan yang sangat penting. Bank terus bekerja sama

dengan bagian informasi teknologi kantor pusat guna

memperkenalkan dan memperbaharui teknologi informasi,

Bank secara berkesinambungan melaksanakan proyek

pemutakhiran sistim pelaporan ke Bank Indonesia dan juga

telah berhasil mengimplementasikan sistem KYC dan

AML dengan aplikasi yang di sediakan oleh kantor pusar,

dan bank juga melakukan pengembangan atas sistem

program pemantauan transaksi / aktivitas yang

mencurigakan. Lebih dari itu, bank melakukan

peningkatan atas sistem giro, kliring, kas bank dengan

mengimplemetasikan Cashier System.

Struktur Organisasi

Selama tahun berjalan, Bank telah memulai suatu program

untuk meningkatkan kualitas pelayanan dengan

memperbaiki prosedur operasi. Lebih dari itu, struktur

organisasi ditinjau kembali minimum sekali dalam

setahun, seperti meninjau tingkatan perintah, dan

memperbaiki komunikasi internal. Bank yakin bahwa

kualitas dan usaha dari karyawan merupakan kunci sukses,

oleh karenanya bank membangun kekuatan dan budaya

kerja dengan motto “Pelayanan yang berkualitas dengan

kerja sama yang baik dalam tim kerja.”

During the 2013 period, Bangkok Bank has

continued to improve its performance in many

ways. Some of the specific aspects are mentioned

below:

Product and Services

The bank focuses on corporate banking sector with

scope of business is primarily to engage in

International trade finance.

Bank provides a broad variety of banking products

and services catering for the specific needs of our

customers. In order to attract more customers and

to increase our service quality at competitive price.

Products and services offered by the bank are :

1. Loans

2. Deposit

3. Remittance

4. Export and Import

5. Bank Guarantee

5. Foreign Exchange

Information Technology

In order to increase the efficiency and work

productivity as well as providing better services to

our customers, bank viewed technology as vital

role. Bank is continuously working with Head

Office Information Technology Department to

introduce and upgrade new information technology

system. Bank continuously improve Bank’s

reporting system process to Bank Indonesia and

Bank has also successfully implemented KYC and

AML system from Head Office, and bank has

developed a system to monitor suspicious acitivity

on a daily basis. More than that, bank has

successfully upgraded our current account,

clearing, cash system through the implementation

of Cashier System

Organizational Structure

During the year, the Bank has initiated a program to

enhance the quality of customer service by

improving the operational procedures. Moreover,

the organizational structure was revised minimum

once a year, so as to review the chain of command,

and improve internal communication. Bank

recognizes that the quality and effort of our staff is

the key to our success and our competitive

advantage. Bank are, therefore, building on our

traditional strength, which is the culture of


ANNUAL REPORT

Manajemen Risiko

Dalam melakukan kegiatan usaha bank sering dihadapkan

pada risiko – risiko sehari-hari seperti risiko pasar, risiko

likuiditas, risiko kredit, risiko legal, risiko operasonal, dan

risiko terkait lainnya.

Berdasarkan peraturan Bank Indonesia no. 5/8/PBI/2003

tanggal 19 Mei 2003, Bank wajib membentuk Komite

Manajemen Risiko.

Bank telah membentuk Komite Manajemen Risiko (KMR)

pada tanggal 30 Oktober tahun 2003, sesuai peraturan

Bank Indonesia dan Surat Edaran Bank Indonesia SE

no.5/21/DPNP mengenai penerapan manajemen risiko

dalam industri perbankan.

Adapun fungsi dan tanggung jawab Komite Manajemen

Risiko adalah memberikan rekomendasi kepada General

Manager, yang sekurang-kurangnya meliputi:

1. Penyusunan kebijakan, strategi, dan pedoman

penerapan manajemen risiko.

2. Perbaikan atau penyempurnaan pelaksanaan

manajemen risiko berdasarkan hasil evaluasi

pelaksanaan yang dimaksud.

3. Penetapan hal-hal yang terkait dengan keputusan

bisnis yang menyimpang dari prosedur normal.

Bank sudah mematuhi kewajiban Bank Indonesia atas

pelaporan profil risiko. Keseluruhan pedoman manajemen

risiko telah diserahkan kepada Bank Indonesia.

Bank telah melakukan antisipasi terhadap 8 (delapan)

risiko yang melekat di bisnis perbankan sebagai berikut:

Risiko Kredit

Risiko kredit adalah risiko yang terjadi akibat kegagalan

pihak lawan (counterparty) memenuhi kewajibannya.

Risiko kredit dapat bersumber dari berbagai aktivitas

fungsional bank seperti perkreditan (penyediaan dana),

treasuri dan investasi, dan pembiayaan perdagangan, yang

tercatat dalam banking book maupun trading book.

Terkait dengan Risiko Kredit, Bank telah menerapkan

Manajemen Risiko sebagai berikut:

Menetapkan kebijakan dan prosedur kredit, termasuk

Credit Risk Rating (CRR) serta General

Underwriting Standard (GUS), yang berlaku sebagai

acuan dalam melakukan analisa kredit.

providing “Service excellence with quality and

team work “

Risk Management

In conducting the bank’s business it is constantly

exposed to daily risks such as market risk, liquidity

risk, credit risk, legal risk, operational risk, and

other risks, which relates to the bank’s business.

Based on Bank Indonesia regulation no. 5/8/PBI

/2003 dated May 19, 2003, it is mandatory for a

bank to establish a Risk Management Committee.

Bank has established its Risk Management

Committee (RMC) on October 30, 2003 to comply

with Bank Indonesia regulation, and its circular

letter SE No.5/21/DPNP regarding the

implementation of risk management in banking

industry.

The function and responsibility of Risk

Management Committee are to provide

recommendation to General Manager covering at

least the following:

1. Formulation of policy, strategy, and guidelines

for implementation of risk management.

2. Correction or improvements for risk

management implementation based on the risk

management evaluation.

3. Justification on matters pertaining to business

decision made in irregularities from normal

procedure.

Our bank has complied with Bank Indonesia

requirement on risk profile report submission. Full

set of risk management guideline has already been

submitted to Bank Indonesia.

Bank are anticipating 8 risks inherent attached in

the bank business as follows:

Credit Risk

Credit risk is the risk of default by counterparty.

Credit risk may arise from various business lines of

the Bank, such as credit (provision of funds),

treasury and investment, and trade financing,

recorded both in the banking book and the trading

book.

In relation to credit risk, Bank has implemented the

following Risk Management:

Establishing Lending Policy and Procedures,

including Credit Risk Rating (CRR) and

General Underwriting Standard (GUS), which

are used as a guideline in analyzing credit.


ANNUAL REPORT

Melakukan review atas lending policy, untuk

dikinikan sesuai dengan rekomendasi Unit

Kepatuhan, Bank Indonesia, Kantor Pusat, serta

peraturan-peraturan baru yang berlaku.

Membentuk Credit Acceptance Unit (CAU), untuk

membantu proses review dan evaluasi aplikasi kredit

yang diajukan oleh bagian Marketing.

Melakukan Loan Committee Meeting untuk

memutuskan pemberian kredit baru, perpanjangan,

maupun merekomendasikan aplikasi kredit ke kantor

pusat.

Melakukan analisa portfolio kredit berdasarkan

konsentrasi sektor industri, customer concentration

Risiko Pasar dan Risiko Likuiditas

Risiko Pasar merupakan risiko yang timbul karena adanya

pergerakan variable pasar dari portfolio yang dimiliki

oleh Bank, yang dapat merugikan Bank. Risiko Pasar

terdiri dari risiko suku bunga, risiko posisi modal, risiko

komoditas, risiko nilai tukar, dan risiko harga option.

Dalam hal ini bank hanya mempertimbangkan risiko nilai

tukar mata uang asing dalam risiko pasar. Bank telah

mampu mengatur dan mengendalikan risiko ini dengan

melakukan pemantauan melalui laporan harian yang

dihasilkan oleh sistem komputer.

Risiko Likuiditas adalah risiko yang antara lain

disebabkan Bank tidak mampu memenuhi kewajiban yang

telah jatuh waktu.

Bank membentuk Asset & Liability Committee (ALCO)

yang mempunyai fungsi untuk mengatur tingkat bunga

dan likuiditas Bank.

Risiko Operasional

Risiko Operasional adalah risiko yang antara lain

disebabkan ketidakcukupan dan atau tidak berfungsinya

proses internal, kesalahan manusia, kegagalan system dan

adanya problem eksternal yang mempengaruhi

operasional Bank.

Manajemen Risiko dan proses risiko adalah bagian dari

keseluruhan kerangka pengendalian internal. Manajemen

bertugas membuat dan memelihara proses pengendalian

internal secara efektif. Untuk itu, Bank telah menyusun

kebijakan dan prosedur operasional sebagai panduan

dalam menjalankan kegiatan bisnisnya.

Evaluating and updating the Lending Policy

to be in accordance with the recommendations

from Compliance, Bank Indonesia, Head

Office, as well as other prevailing new

regulations.

Establishing Credit Acceptance Unit (CAU)

to help in reviewing and evaluating the credit

applications proposed by the Marketing.

Conducting Loan committee Meeting to

approve new credit, facility extension, as well

as recommending credit application to Head

Office for further approval.

Performing credit portfolio analysis, based on

industry concentrations, as well as customer

concentrations.

Market Risk and Liquidity Risk

Market risk is the risk arising from movement in

market variables in portfolios held by the Bank that

could incur losses for the bank. Market risk consists

of interest rate risk, equity position risk, commodity

risk, foreign exchange risk and option price risk.

Bank is exposed to only foreign exchange risk in

this matter. Bank is able to manage and control this

risk by monitoring with daily report generated by

in-house computer system.

Liquidity risk is the risk caused among others by

the inability of the Bank to settle its liabilities as it

falls due.

Bank has established Asset & Liability Committee

(ALCO) with the function of regulating the interest

rate and Bank’s liquidity.

Operational Risk

Operational risk is the risk caused among others by

inadequacy and/or dysfunction of internal

processes, human error, system failure, and external

problems affecting the operations of the Bank.

Risk management and risk processes are part of the

overall internal control framework of the

institution. The senior management is tasked with

creating and maintaining an internal control process

and monitoring its effectiveness. For that, Bank has

established operational policy and procedures as a

guideline in operating its business activities.


ANNUAL REPORT

Risiko Hukum

Risiko hukum adalah risiko yang disebabkan oleh adanya

kelemahan aspek yuridis, yang antara lain disebabkan

adanya tuntutan hukum, ketiadaan peraturan perundang-

undangan yang mendukung, atau kelemahan perikatan

seperti tidak dipenuhinya syarat sahnya kontrak dan

pengikatan agunan yang tidak sempurna. Bank melakukan

review atas dokumen-dokumen legal.

Risiko Reputasi

Risiko reputasi adalah risiko yang antara lain disebabkan

oleh adanya publikasi negatif yang terkait dengan kegiatan

usaha Bank atau persepsi negatif terhadap Bank.

Bank telah membentuk Complaint Unit untuk menangani

keluhan nasabah.

Risiko Strategik

Risiko strategik adalah risiko yang antara lain disebabkan

oleh pengambilan keputusan bisnis yang tidak tepat atau

kurang responsifnya Bank terhadap perubahan eksternal.

Bank melakukan pemantauan serta analisis terhadap

kinerja Bank secara periodical serta melakukan koreksi

atas perbedaan yang signifikan.

Risiko Kepatuhan

Risiko kepatuhan merupakan risiko yang disebabkan

Bank tidak mematuhi atau tidak melaksanakan peraturan

perundang-undangan dan ketentuan lain yang berlaku.

Terdapatnya fungsi pengawasan oleh Direktur

Kepatuhan, untuk memastikan kepatuhan Bank

terhadap peraturan yang berlaku.

Menginformasikan serta mengsosialisasikan

peraturan-peraturan baru dan terkini kepada

manajemen serta setiap departemen yang

bersangkutan.

Legal Risk

Legal risk is the risk arising from legal weaknesses,

among others resulting from legal actions, absence

of supporting provisions in laws and regulations, or

weakness of legally binding provisions, such as

failure to comply with legal requirements for

contracts and loopholes in binding of collateral.

Bank performs reviews on all legal documents.

Reputation Risk

Reputation risk is risk brought about among others

by negative publicity concerning the operations of

the Bank or negative perceptions of the Bank.

Bank has established a Complaint unit, with

function of handling any customer complaints.

Strategic Risk

Strategic risk is risk among others brought about by

poor setting and implementation of the Bank

strategy, poor business decision-making, or lack of

responsiveness of the Bank to external changes.

Bank carry out periodical monitoring as well as

analysis on bank’s performance and carry out

corrective action s on any deviations.

Compliance Risk

Compliance risk is the risk arising from failure of

the Bank to comply with or implement laws,

regulations, and other applicable legal provisions.

Monitoring function are carried out by

the Compliance Director, to ensure the Bank’s

compliance towards all prevailing regulations

Circulating as well as socializing all

new and updated regulations to the

Management, as well as all related department.


ANNUAL REPORT

Sumber Daya Manusia

Bank menyadari pentingnya pelatihan pegawai dan

pengembangannya untuk mencapai tingkat kualitas

pelayanan yang tinggi dan juga mempertahankan tingkat

persaingannya. Pada tahun 2013, bank mengadakan

pelatihan yang meliputi pelatihan teknis dan peningkatan

keahlian karyawan. Pelatihan ini guna memperbaiki

efisiensi dan produktivitas sumber daya manusia dan untuk

memperbaiki pemahaman mereka akan segala aspek

kebijakan perbankan.

Bank memiliki kelompok karyawan yang kompak dan

berdedikasi tinggi. Salah satu prioritas utama bank saat ini

adalah mempersiapkan karyawan untuk menyongsong

tantangan masa depan.

Dalam tahun 2013, 80 Karyawan telah mengikuti berbagai

pelatihan yang terdiri dari ; Pelatihan Bank Payment

Obligation (BPO), Manajemen Risiko (BSMR), Know

Your Customers (KYC), dan sebagainya.

Human Resources

Bank recognizes the importance of personnel

training and development for ensuring our high

services quality and thus maintaining our

competitive edge. In year 2013, bank has conducted

trainings for both technical and self-improvement

skills. The training courses were to improve human

resources efficiency and productivity as well as to

enhance their understanding of all aspects of the

banking policies.

Bank has a solid group of employee with high

integrities. One of our major priorities is to prepare

our staffs for a future challenge.

In 2013, 80 employees have participated in various

training consists of ; training Bank Payment

Obligation (BPO), Risk Management (BSMR),

Know Your Customers (KYC), and so on.

Profil Karyawan berdasarkan latar belakang pendidikan Desember 2013 Desember 2012

Employee profiles by education level December 2013 Desember 2012

Senior high school 1 1

Diploma ( D1 - D4) 6 6

S1 60 53

S2 13 11

Jumlah | Total 80 71

Rencana

Dalam tahun yang akan datang, pertumbuhan ekonomi

Indonesia diperkirakan pada level 5,8% - 6,1%. Hal ini

dikarenakan pemulihan pertumbuhan global di sektor riil

dan keuangan. Maka, di harapkan sektor perbankan akan

tetap mengalami penguatan ditengah keadaan membaiknya

perlambatan ekonomi dunia secara umum. Dalam hal ini,

peranan bank dalam hal pendanaan akan membuat peranan

penting dengan menawarkan suku bunga pinjaman yang

bersaing. Sektor yang akan mendukung peningkatan

aktivitas ekonomi tahun 2014 akan tetap berasal dari

pertumbuhan di sektor-sektor: pertambangan, manufaktur,

perdagangan, hotel dan restaurant, transportasi dan

komunikasi.

Oleh karena itu, dari keterangan ini, bank telah berupaya

untuk meningkatkan pinjaman yang aktif. Bank berencana

untuk memfokuskan diri meningkatkan portfolio pinjaman

dari debitur lama dan menawarkan pinjaman kepada

debitur potensial. Strategi bank adalah memberikan

Outlook

In the coming years, Indonesian economic growth

is expected to be at level range of 5.8% - 6.1%.

This is due to the global economic recovery that

causes the decrease in real and financial sectors.

Therefore, The banking sector is still expected to

strengthen amidst the global economic recovery. To

promote economic growth, bank’s role in financing

will play major role in the economy, and this can be

accomplished by offering competitive lending

rates. Supporting sectors that will increase

economic activity in 2014 are still from high

growth in the mining, manufacturing, trade, hotels

and restaurants and the transport and

communications sector.

Therefore, in this particular, bank has been exerting

effort to increase the active cash loan outstanding.

Bank is planning to focus increasing its loan

portfolio from existing borrowers and to offer

credit lines to potential borrowers. Our strategy


ANNUAL REPORT

prioritas kepada pasar dan kostumer yang berkaitan

dengan bidang jasa atau produksi dan manufaktur.

Bank akan berfokus pada penyediaan pelayanan dan

dukungan aktif pada nasabah, mengintensifkan pemasaran

dan menjaga konsistensi dalam kualitas pelayanan bank.

Hal ini termasuk membantu staf bank dalam

memperbaiki keahlian dan kemampuan mereka dalam

peningkatan kualitas kerja, perbaikan sistem teknologi

informasi, dan menyediakan dukungan teknis yang

memadai

KEPATUHAN KEPADA PERATURAN BANK

INDONESIA

Bank terus memonitor kepatuhan terhadap peraturan Bank

Indonesia dengan seksama, terutama kepatuhan atas

praktek perbankan yang sehat seperti Batas Maksimum

Pemberian Kredit, kecukupan modal, giro wajib minimum,

posisi devisa netto dan non performing ratio.

Pejabat Kepatuhan, melalui Kepala bagian terkait

mengawasi bahwa prosedur internal dan prosedur –

prosedur lainnya yang berkaitan dengan kepatuhan seperti

persetujuan kredit, batas maksimum pemberian kredit dan

prosedur operasional lainnya telah dilaksanakan dengan

baik.

Pejabat kepatuhan adalah merupakan pihak independen

dari tugas dan kegiatan operasional bank, yang

bertanggung jawab untuk pelaksanaan dan kelalaian dari

program kepatuhan Salah satu tugasnya adalah

meyakinkan bahwa kebijakan bank dapat diverifikasi

terhadap permintaan kepatuhan.

would give priority to market and customer that

have project involve in services or production and

manufacturing.

Bank will focus on providing proactive assistance

and supports to our customers, intensify our

marketing and maintain consistency in our service

quality. This will include helping our people to

improve their skills and abilities in order to produce

work of a higher quality, enhancing our

information technology system, and providing the

appropriate technical support

COMPLIANCE TO BANK INDONESIA

REGULATION

Bank strictly monitor our compliance to Bank

Indonesia regulations especially toward prudent

banking principles, such as legal lending limit,

capital adequacy (CAR), statutory requirement, net

open position and non performing ratio (NPL).

Compliance officer through the respective head of

department ensures that all internal procedures as

well as all other procedures related to the

compliance’s issues have been well carried out,

such as procedures for credit approval, legal

lending limit and other operational procedures.

Compliance officer is independent from bank

operational duties. The officer is responsible for the

implementation and the oversight of compliance

program. One of many tasks is to ensure that

bank’s policy is verified against compliance’s

requirement.


ANNUAL REPORT

KINERJA BANGKOK BANK

Bangkok Bank’s Performance

Hasil operasi Bangkok Bank Jakarta selama tahun 2013

telah menunjukkan peningkatan dalam kinerja

keuangannya. Kemajuan utama dicapai sebagai dorongan

untuk memajukan dasar-dasar operasi bank dan

membangun tingkat pertumbuhan pendapatan.

Aktiva dan Kewajiban

Total keseluruhan pinjaman yang diberikan pada akhir

tahun 2013 mencapai Rp. 11.894 milyar, terdapat

peningkatan sebesar 72,12% dari Rp. 6.910 milyar pada

tahun 2012. Peningkatan terjadi pada sektor industri

sebesar 79%. Total pencadangan untuk pinjaman yang tak

tertagih mengalami peningkatan dari Rp. 314,52 milyar

menjadi Rp. 350,76 milyar, terdapat peningkatan 11,52%.

Total aktiva Bank naik dari Rp. 8.111 milyar menjadi Rp.

15.162 milyar pada akhir tahun 2013. Total simpanan

mengalami kenaikan sebesar 82,71% menjadi Rp.

2.610.769 milyar pada akhir tahun 2013. Sedangkan, rasio

pinjaman (LDR) yang diberikan terhadap simpanan

mencapai 455,58%

The operating results of Bangkok Bank Jakarta in

2013 have shown improvement in its financial

performance. The major progress was made on key

initiatives to strengthen the bank’s operating

fundamentals and build revenue growth.

Assets and Liabilities

Total net outstanding loans at year-end 2013

amounted to Rp. 11,894 billion, an increase of

72.12% from Rp. 6,910 billion in 2012. The

increase on loan portfolio occurred in industrial

sector by 79%. The allowance for possible loan

losses has increased from Rp 314.52 billion to

become Rp. 350.76 billion, or increased by

11.52%. Total assets of the Bank increased from

Rp. 8,111 billion to Rp. 15,162 billion at the end of

year 2013. Total deposit increased by 82.71% to

become Rp. 2,610,769 billion at year-end 2013.

Moreover our loan to deposit ratio has reached up

to 455.58%.

Pendapatan – Biaya

Pada tahun 2013, pendapatan bunga bersih naik dari Rp.

353,13 milyar menjadi Rp 595,66 milyar, atau naik

sebesar 68,68%, dikarenakan peningkatan jumlah

pinjaman yang diberikan.

Pada tahun 2013, laba operasi mencapai Rp. 324,56 milyar

naik sebesar 78,11% jika dibandingkan dengan laba

operasi pada tahun 2012 sebesar Rp.180,07 milyar.

Secara keseluruhan, laba bersih setelah pajak pada akhir

tahun 2013 naik dari Rp. 108,06 milyar menjadi

Rp.191,63 milyar berbanding tahun 2012.

Income – Expenses

In year 2013, interest revenue has increased from

Rp. 353.13 billion to Rp. 595.66 billion, or

increased by 68.68%, due to increase in loan given

to customers.

In year 2013, the operating profit amounted to Rp.

324.56 billion increased by 78.11%, compared to

Rp. 180.07 billion in year 2012.

Overall, the Bank’s Net Profit after Tax at year-

end has decreased from Rp. 108.06 billion in year

2013 to become Rp. 191.63 billion compared with

year 2012.


ANNUAL REPORT

Modal dan Kecukupan Modal

Total modal pada akhir tahun 2013 adalah sebesar Rp.

11.600,78 milyar, meningkat sebesar 95,29%

dibandingkan dengan tahun 2012. Menurut Peraturan

Bank Indonesia No. 3 / 21 / PBI / 2001 tertanggal 13

Desember 2001 mengenai “Rasio Kecukupan Modal

Minimum”,

Bank diwajibkan untuk memiliki modal minimum sebesar

8% dari Aktiva Tertimbang Menurut Risiko yang dihitung

pada akhir Desember 2013. Rasio kecukupan modal

minimum pada Bangkok Bank tahun 2013 masing-masing

sebesar 67,09% dan 63,79% pada tahun 2012.

Kredit Bermasalah

Pada tahun 2013, Persentase Kredit Bermasalah bersih

adalah sebesar 0,03%, kredit bermasalah pada tahun 2013

Rp. 80,48 milyar dari Rp. 224,83 milyar pada tahun 2012.

Selama tahun 2013. Manajemen melaksanakan langkah

strategis khusus untuk penyelesaian masalah kredit macet,

melalui proses hukum, lelang umum dan pembayaran

cicilan. Bank sedang terus menerus menyesuaikan

pendekatan kehati-hatian terhadap cadangan pinjaman dan

juga akan lebih memperhatikan dalam memperbaiki

manajemen atas Kredit bermasalah.

Peristiwa penting

Pada tanggal 2 januari 2014, Bank telah mentransfer laba

bersih periode sebelumnya ke Kantor Pusat sebesar IDR

82.539 Juta.

Capital and Capital Adequacy Ratio

The total capital fund stood at Rp. 11,600.78 billion

as at year-end 2013, increased by 95.29%

compared to 2012. According to Bank Indonesia

Regulation No. 3 / 21 / PBI / 2001 dated 13

December 2001 regarding “Minimum Capital

Adequacy Requirement”, Bank is obliged to have

minimum capital adequacy ratio as much as 8

percent from Risk Weighted Assets counted at the

end of December 2013. Bangkok Bank’s capital

adequacy ratio has increased to 67.09% in year

2013 from 63.79% in year 2012.

Non Performing Loans

In year 2013, the percentage of Net Non

Performing Loans (NPL) stood at 0,03%, non-

performing loan decreased to Rp. 80.48 billion

from Rp 224.83 billion in year 2012. During the

year 2013, our management has been giving special

attention to solve NPL problem, through legal

process, public auction and installment. The Bank

is continuing to adopt a prudent approach to loan

loss reserves and also will continue to focus on

improving its management on Non Performing

Loans.

Subsequent Event

On January 2, 2014, Bank has remitted previous

year’s net income to Head Office in IDR 82,539

Million.

LAPORAN TAHUNAN 2013 38 ANNUAL REPORT

PENGUNGKAPAN PERMODALAN SERTA PENGUNGKAPAN EKSPOSUR RISIKO DAN PENERAPAN MANAJEMEN RISIKO BANK Capital disclosure and the Disclosure of risk exposures and Risk Management Bank a. Struktur Permodalan a. Capital Structure Tabel Pengungkapan Kuantitatif Struktur Table Quantitative Foreign Bank Capital Permodalan Bank Asing Structure

31 Desember 2013 31 Desember 201231 December 2013 31 December 2012

(1) (3) (3)I KOMPONEN MODAL | COMPONENTS

A Dana Usaha | Net inter office fund1 Dana Usaha | Net inter office fund 8.706.707 4.040.478 2 Modal Disetor | Paid up capital 1.942.569 1.213.751

B Cadangan | Reserves1 Cadangan Umum | General reserves2 Cadangan Tujuan | Specific reserves

C Laba (rugi) tahun-tahun lalu yang dapat diperhitungkan (100%) 647.243 551.808 Previous years profit (loss) which can be calculated into capital (100%)

D Laba (rugi) tahun berjalan yang dapat diperhitungkan (50%) 95.813 54.032 Current year profit which can be calculated into capital (loss) (50%)

E Dana Setoran Modal | Fund for paid up capitalF

Other comprehensive income : losses from equity investment for sale (100%)G

Other comprehensive income : Gain from equity investment for sale (45%)H Revaluasi Aset Tetap (45%)

Receives of Fixed assets revaluation (45%)I

Differences between regulatory provision and impairment of earning assets J Penyisihan Penghapusan Aset (PPA) atas aset non produktif yang wajib dihitung

Required regulatory provision on non productive assetsK

Differences on adjustment of fair value on financial instrument in the trading bookL Cadangan umum aset produktif (maks, 1,25% dari ATMR) 208.451 80.071

General provision of earning assets (maximum 1,25% of RWA)M Faktor Pengurang Modal | Capital deduction factor

Eksposur Sekuritisasi | Exposure on securitisationII MODAL BANK ASING ( Jumlah 1 s.d 12 - 13 ) 11.600.783 5.940.140

FOREIGN BANK CAPITALIII ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO KREDIT 16.676.101 8.801.126

RISK WEIGHTED ASSET (RWA) FOR CREDIT RISKIV ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO OPERASIONAL 442.503 446.946

RISK WEIGHTED ASSET (RWA) FOR OPERATIONAL RISKV

A Metode Standar | Standardized Method 174.027 63.509 B Metode Internal | Internal Method

VI 67,09% 63,79%RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK RISIKO KREDIT, RISIKO

(2)

(Dalam jutaan rupiah | In Milion Rupiah )

ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO PASAR |RISK WEIGHTED ASSET

CAPITAL ADEQUACY RATIO FOR CREDIT RISK,OPERATIONAL RISK AND MARKET RISK [II : (III + IV + V)]

Selisih kurang jumlah penyesuaian nilai wajar dari instrumen keuangan dalam trading book

Selisih kurang antara PPA dan cadangan kerugian penurunan nilai atas aset produktif

KOMPONEN MODAL | COMPONENTS

Pendapatan Komprehensif Lainnya: kerugian berasal dari penurunan penyertaan dalam kelompok tersedia untuk dijual (100%)

Pendapatan Komprehensif Lainnya: keuntungan berasal dari peningkatan penyertaan


b. Geografis dari objek yang didanai oleh b. Geography of object being financed by Bangkok Bank Bangkok Bank Tabel Pengungkapan Tagihan Bersih Table Net Amount based on Geography Berdasarkan Wilayah - Bank secara Individual - Bank Only

Wilayah 1 Wilayah 2 Wilayah 3 Wilayah 4Zone 1 Zone 2 Zone 3 Zone 4

(1) (3) (4) (5) (6)1 Tagihan Kepada Pemerintah 1.450.326 0 0 0 1.450.326

Claims on Sovereign2 Tagihan Kepada Entitas Sektor Publik 0 0 0 0 0

Claims on Public Sector Entity3

0 0 0 0 0

4 Tagihan Kepada Bank 1.097.481 0 0 95.499 1.192.980Claims on Banks

5 Kredit Beragun Rumah Tinggal 0 0 0 0 0Claims Secured by Residential Property

6 Kredit Beragun Properti Komersial 0 0 0 0 0Claims Secured by Commercial Real Estate

7 Kredit Pegawai/Pensiunan 0 0 0 0 0Employee Loan/Pension

8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 0 0 0 0 0Claims on Micro and Small Enterprise, and Retail Portfolio

9 Tagihan Kepada Korporasi 11.035.046 317.843 29.482 0 11.382.371Claims on Corporate

10 Tagihan Yang Telah Jatuh Tempo 550.303 0 0 0 550.303Past Due Claims

11 Aset Lainnya 559.644 0 0 0 559.644Other Assets

12 Eksposur di Unit Usaha Syariah (apabila ada) 0 0 0 0 0Exposures at Sharia Unit (if any)

14.692.800 317.843 29.482 95.499 15.135.624

Keterangan : Remarks :: Indonesia Bagian Barat Zone I : West of Indonesia: Indonesia Bagian Tengah Zone II : Central of Indonesia: Indonesia Bagian Timur Zone III : East of Indonesia: Luar Negeri Zone IV : Overseas

Wilayah IIIWilayah IV

Kategori Portofolio | Portfolio Category

(2)


Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalClaims on Multilateral Development Banks and International Institutions

Wilayah IWilayah II

TOTAL

NoTagihan Bersih Berdasarkan Wilayah | Net Amount Based

on Geography

31 Desember 2013 | 31 December 2013

Total


Wilayah 1 Wilayah 2 Wilayah 3 Wilayah 4Zone 1 Zone 2 Zone 3 Zone 4

(1) (3) (4) (5) (6)1 Tagihan Kepada Pemerintah 434,299 0 0 0 434,299

Claims on Sovereign2 Tagihan Kepada Entitas Sektor Publik 0 0 0 0 0

Claims on Public Sector Entity3

0 0 0 0 0

4 Tagihan Kepada Bank 430,733 0 0 72,934 503,667Claims on Banks

5 Kredit Beragun Rumah Tinggal 1,291 0 0 0 1,291Claims Secured by Residential Property

6 Kredit Beragun Properti Komersial 0 0 0 0 0Claims Secured by Commercial Real Estate

7 Kredit Pegawai/Pensiunan 0 0 0 0 0Employee Loan/Pension

8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 0 0 0 0 0Claims on Micro and Small Enterprise, and Retail Portfolio

9 Tagihan Kepada Korporasi 5,927,902 137,473 22,761 0 6,088,136Claims on Corporate

10 Tagihan Yang Telah Jatuh Tempo 731,462 0 0 0 731,462Past Due Claims

11 Aset Lainnya 351,897 0 0 0 351,897Other Assets

12 Eksposur di Unit Usaha Syariah (apabila ada) 0 0 0 0 0Exposures at Sharia Unit (if any)

7,877,584 137,473 22,761 72,934 8,110,752

Keterangan : Remarks :: Indonesia Bagian Barat Zone I : West of Indonesia: Indonesia Bagian Tengah Zone II : Central of Indonesia: Indonesia Bagian Timur Zone III : East of Indonesia: Luar Negeri Zone IV : Overseas

TOTAL

NoTagihan Bersih Berdasarkan Wilayah | Net Amount Based

on Geography


Total


Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalClaims on Multilateral Development Banks and International Institutions

Wilayah IWilayah IIWilayah IIIWilayah IV

Kategori Portofolio | Portfolio Category

(2)


c. Sisa jangka waktu aset c. Remaining maturity of the assets Tabel Pengungkapan Tagihan Bersih Berdasarkan Table Net Amount based on Contractual Sisa jangka waktu Kontrak - Bank secara Individual Remaining Maturity- Bank Only

< 1 tahun >1 thn s.d. 3 thn

>3 thn s.d. 5 thn

> 5 thn Non-Kontraktual

< 1 year>1 yr s.d. 3

yrs>3 yrs s.d.

5 yrs> 5 yrs

Non-Contractual

(1) (2) (3) (4) (5) (6) (7) (8)1 Tagihan Kepada Pemerintah 1.168.721 0 0 0 281.605 1.450.326

Claims on Sovereign2 Tagihan Kepada Entitas Sektor Publik 0 0 0 0 0 0

Claims on Public Sector Entity3 Tagihan Kepada Bank Pembangunan Multilateral dan

Lembaga Internasional0 0 0 0 0 0

Claims on Multilateral Development Banks and International Institutions

4 Tagihan Kepada Bank 1.096.570 0 0 0 96.410 1.192.980Claims on Banks

5 Kredit Beragun Rumah Tinggal 0 0 0 0 0 0Claims Secured by Residential Property

6 Kredit Beragun Properti Komersial 0 0 0 0 0 0Claims Secured by Commercial Real Estate

7 Kredit Pegawai/Pensiunan 0 0 0 0 0 0Employee Loan/Pension

8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

0 0 0 0 0 0

Claims on Micro and Small Enterprise, and Retail Portfolio9 Tagihan Kepada Korporasi 5.259.208 272.928 1.659.011 4.191.224 0 11.382.371

Claims on Corporate10 Tagihan Yang Telah Jatuh Tempo 550.303 0 0 0 0 550.303

Past Due Claims11 Aset Lainnya 0 0 0 0 559.644 559.644

Other Assets12 Eksposur di Unit Usaha Syariah (apabila ada) 0 0 0 0 0 0

Exposures at Sharia Unit (if any)8.074.802 272.928 1.659.011 4.191.224 937.659 15.135.624


TOTAL

Total

Kategori PortofolioPortfolio CategoryNo

31 Desember 2013 | 31 December 2013Tagihan Bersih Berdasarkan sisa jangka waktu kontrak | Net Amount

based on Remaining Maturity


< 1 tahun >1 thn s.d. 3 thn

>3 thn s.d. 5 thn

> 5 thn Non-Kontraktual

< 1 year>1 yr s.d. 3

yrs>3 yrs s.d.

5 yrs> 5 yrs

Non-Contractual

(1) (2) (3) (4) (5) (6) (7) (8)1 Tagihan Kepada Pemerintah 222.990 0 0 0 211.309 434.299


Claims on Public Sector Entity3 Tagihan Kepada Bank Pembangunan Multilateral dan

Lembaga Internasional0 0 0 0 0 0


4 Tagihan Kepada Bank 430.623 0 0 0 73.044 503.667Claims on Banks

5 Kredit Beragun Rumah Tinggal 93 107 301 790 0 1.291Claims Secured by Residential Property



8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

0 0 0 0 0 0

Claims on Micro and Small Enterprise, and Retail Portfolio9 Tagihan Kepada Korporasi 3.030.688 4.867 224.701 2.827.880 0 6.088.136

Claims on Corporate10 Tagihan Yang Telah Jatuh Tempo 553.404 178.058 0 0 0 731.462

Past Due Claims11 Aset Lainnya 0 0 0 0 351.897 351.897


Exposures at Sharia Unit (if any)4.237.798 183.032 225.002 2.828.670 636.250 8.110.752


TOTAL

Total

Kategori PortofolioPortfolio CategoryNo

31 Desember 2012 | 31 December 2012Tagihan Bersih Berdasarkan sisa jangka waktu kontrak | Net Amount

based on Remaining Maturity


d. Sektor Ekonomi d. Economic Sectors asssets Tabel Pengungkapan Tagihan Bersih Berdasarkan Table Net Amount based on Economic Sectors Sektor Ekonomi - Bank secara Individual - Bank Only

Tagihan Kepada

Pemerintah

Tagihan Kepada Entitas Sektor Publik

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

Tagihan Kepada

Bank

Kredit Beragun Rumah Tinggal

Kredit Beragun Properti

Komersial

Kredit Pegawai / Pensiunan

Tagihan Kepada Usaha Mikro,

Usaha Kecil dan

Portofolio Ritel

Tagihan Kepada

Korporasi

Tagihan Yang Telah Jatuh

TempoAset

Lainnya

Eksposur di Unit Usaha

Syariah (apabila ada)

Economic Sector Claims on Sovereign

Claims on Public Sector Entity

Claims on Multilateral

Development Banks and

International Institutions

Claims on Banks

Claims Secured by Residential

Property

Claims Secured by

Commercial Real Estate

Employee Loan /

Pension

Claims on Micro and

Small Enterprise, and Retail Portfolio

Claims on Corporate

Past Due Claims

Other Assets

Exposures at Sharia Unit

(if any)

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)1 Pertanian, Perburuan dan Kehutanan 0 0 0 0 0 0 0 0 0 0 0 0

Agriculture, Hunting and Forestry2 Perikanan 0 0 0 0 0 0 0 0 29.482 0 0 0

Fishery3 Pertambangan dan Penggalian 0 0 0 0 0 0 0 0 4.333 53.812 0 0

Mining and Excavation4 Industri Pengolahan 0 0 0 0 0 0 0 0 8.995.008 421.056 0 0

Manufacturing5 Listrik, Gas dan Air 0 0 0 0 0 0 0 0 0 0 0 0

Electricity, Gas and Water6 Konstruksi 0 0 0 0 0 0 0 0 0 0 0 0

Construction7 Perdagangan Besar dan Eceran 0 0 0 0 0 0 0 0 850.242 75.435 0 0

Wholesale and Retail Trading8 Penyediaan Akomodasi dan Penyediaan Makan

Minum 0 0 0 0 0 0 0 0 317.843 0 0 0

Accommodation and food providers9 Transportasi, Pergudangan dan Komunikasi 0 0 0 0 0 0 0 0 85.207 0 0 0

Transportation, Warehouse and Communication10 Perantara Keuangan 1.450.326 0 0 1.192.980 0 0 0 0 668.000 0 0 0

Financial Brokerage11 Real Estate, Usaha Persewaan dan Jasa Perusahaan 0 0 0 0 0 0 0 0 426.857 0 0 0

Real Estate, Leasing and Corporate Services12 Administrasi pemerintahan, pertahanan dan

jaminan sosial wajib0 0 0 0 0 0 0 0 0 0 0 0

Public Administration, Defense, and Compulsory Social Security

13 Jasa Pendidikan 0 0 0 0 0 0 0 0 0 0 0 0Education Services

14 Jasa Kesehatan dan Kegiatan Sosial 0 0 0 0 0 0 0 0 0 0 0 0Health and Social Services

15 Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainya

0 0 0 0 0 0 0 0 0 0 0 0

Social Services, Social Culture, Entertainment and Individual Services

16 Jasa perorangan yang melayani rumah tangga 0 0 0 0 0 0 0 0 0 0 0 0Individual Services for Housing

17 Badan Internasional Badan Ekstra Internasional Lainnya

0 0 0 0 0 0 0 0 0 0 0 0

International Agencies and Other International Extra Agencies

18 Kegiatan yang Belum Jelas Batasannya 0 0 0 0 0 0 0 0 0 0 0 0Other Services

19 Bukan Lapangan Usaha 0 0 0 0 0 0 0 0 5.399 0 0 0Non-Business Activity

20 Lainnya 0 0 0 0 0 0 0 0 0 0 559.644 0OthersTotal 1.450.326 0 0 1.192.980 0 0 0 0 11.382.371 550.303 559.644 0


Sektor EkonomiNo


Tagihan Kepada

Pemerintah

Tagihan Kepada Entitas Sektor Publik

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

Tagihan Kepada

Bank

Kredit Beragun Rumah Tinggal

Kredit Beragun Properti

Komersial

Kredit Pegawai / Pensiunan

Tagihan Kepada Usaha Mikro,

Usaha Kecil dan

Portofolio Ritel

Tagihan Kepada

Korporasi

Tagihan Yang Telah Jatuh

TempoAset

Lainnya

Eksposur di Unit Usaha

Syariah (apabila ada)

Economic Sector Claims on Sovereign

Claims on Public Sector Entity

Claims on Multilateral

Development Banks and

International Institutions

Claims on Banks

Claims Secured by Residential

Property

Claims Secured by

Commercial Real Estate

Employee Loan /

Pension

Claims on Micro and

Small Enterprise, and Retail Portfolio

Claims on Corporate

Past Due Claims

Other Assets

Exposures at Sharia Unit

(if any)

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)1 Pertanian, Perburuan dan Kehutanan 0 0 0 0 0 0 0 0 0 0 0 0

Agriculture, Hunting and Forestry2 Perikanan 0 0 0 0 0 0 0 0 22.761 0 0 0

Fishery3 Pertambangan dan Penggalian 0 0 0 0 0 0 0 0 0 14.182 0 0

Mining and Excavation4 Industri Pengolahan 0 0 0 0 0 0 0 0 3.813.510 635.147 0 0

Manufacturing5 Listrik, Gas dan Air 0 0 0 0 0 0 0 0 0 0 0 0

Electricity, Gas and Water6 Konstruksi 0 0 0 0 0 0 0 0 0 0 0 0

Construction7 Perdagangan Besar dan Eceran 0 0 0 0 0 0 0 0 1.081.005 82.133 0 0

Wholesale and Retail Trading8 Penyediaan Akomodasi dan Penyediaan Makan

Minum 0 0 0 0 0 0 0 0 139.680 0 0 0

Accommodation and food providers9 Transportasi, Pergudangan dan Komunikasi 0 0 0 0 0 0 0 0 118.439 0 0 0

Transportation, Warehouse and Communication10 Perantara Keuangan 434.299 0 0 503.667 0 0 0 0 601.256 0 0 0

Financial Brokerage11 Real Estate, Usaha Persewaan dan Jasa Perusahaan 0 0 0 0 0 0 0 0 309.279 0 0 0

Real Estate, Leasing and Corporate Services12 Administrasi pemerintahan, pertahanan dan

jaminan sosial wajib0 0 0 0 0 0 0 0 0 0 0 0

Public Administration, Defense, and Compulsory Social Security

13 Jasa Pendidikan 0 0 0 0 0 0 0 0 0 0 0 0Education Services

14 Jasa Kesehatan dan Kegiatan Sosial 0 0 0 0 0 0 0 0 0 0 0 0Health and Social Services

15 Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainya

0 0 0 0 0 0 0 0 0 0 0 0


16 Jasa perorangan yang melayani rumah tangga 0 0 0 0 0 0 0 0 0 0 0 0Individual Services for Housing

17 Badan Internasional Badan Ekstra Internasional Lainnya

0 0 0 0 0 0 0 0 0 0 0 0

International Agencies and Other International Extra Agencies

18 Kegiatan yang Belum Jelas Batasannya 0 0 0 0 0 0 0 0 0 0 0 0Other Services

19 Bukan Lapangan Usaha 0 0 0 0 1.291 0 0 0 2.206 0 0 0Non-Business Activity

20 Lainnya 0 0 0 0 0 0 0 0 0 0 351.897 0OthersTotal 434.299 0 0 503.667 1.291 0 0 0 6.088.136 731.462 351.897 0


Sektor EkonomiNo


e. Geografis Pencadangan dari objek yang didanai e. Geography by provision of object being oleh Bangkok Bank financed by Bangkok Bank Tabel Pengungkapan Tagihan dan Pencadangan Table Gross Financial Assets and Provision Berdasarkan Wilayah - Bank secara Individual based on Geography - Bank Only

Wilayah 1 Zone 1

Wilayah 2 Zone 2

Wilayah 3 Zone 3

Wilayah 4 Zone 4

Total

(1) (3) (4) (5) (6) (7)

1 Tagihan 9.511.280 135.154 29.482 95.499 9.771.415

Gross Financial Assets

2 Tagihan yang Mengalami Penurunan Nilai (Impaired) 0 0 0 0 0

Impaired Assets

a. Belum Jatuh Tempo 4.621.876 182.689 0 0 4.804.565

a. Current (≤90dpd)

b. Telah Jatuh Tempo 0 0 0 0 0

b. Past Due (>90dpd)

3 Cadangan Kerugian Penurunan Nilai (CKPN) - Individual 76.431 0 0 0 76.431

Individual Impairment Provision

4 Cadangan Kerugian Penurunan Nilai (CKPN) - Kolektif 266.258 7.381 685 0 274.324

Portfolio Impairment Provision

5 Tagihan yang Dihapus Buku 0 0 0 0 0

Write-off

Keterangan : Remarks :

: Indonesia Bagian Barat Zone I : West of Indonesia

: Indonesia Bagian Tengah Zone II : Central of Indonesia

: Indonesia Bagian Timur Zone III : East of Indonesia

: Luar Negeri Zone IV : Overseas


Area | Geography


Wilayah I

Wilayah II

Wilayah III

Wilayah IV

Keterangan | Description

(2)

No


Wilayah 1 Zone 1

Wilayah 2 Zone 2

Wilayah 3 Zone 3

Wilayah 4 Zone 4

Total

(1) (3) (4) (5) (6) (7)

1 Tagihan 6,069,492 123,007 0 72,934 6,265,433

Gross Financial Assets

2 Tagihan yang Mengalami Penurunan Nilai (Impaired) 0 0 0 0 0

Impaired Assets

a. Belum Jatuh Tempo 1,138,176 14,466 22,761 0 1,175,403

a. Current (≤90dpd)

b. Telah Jatuh Tempo 318,019 0 0 0 318,019

b. Past Due (>90dpd)

3 Cadangan Kerugian Penurunan Nilai (CKPN) - Individual 182,222 0 0 0 182,222

Individual Impairment Provision

4 Cadangan Kerugian Penurunan Nilai (CKPN) - Kolektif 129,140 2,709 448 0 132,297

Portfolio Impairment Provision

5 Tagihan yang Dihapus Buku 0 0 0 0 0

Write-off

Keterangan : Remarks :

: Indonesia Bagian Barat Zone I : West of Indonesia

: Indonesia Bagian Tengah Zone II : Central of Indonesia

: Indonesia Bagian Timur Zone III : East of Indonesia

: Luar Negeri Zone IV : Overseas

Wilayah I

Wilayah II

Wilayah III

Wilayah IV

Keterangan | Description

(2)

No


Area | Geography



f. Pencadangan berdasarkan Sektor Ekonomi f. Provision by Economic Sectors assets Tabel Pengungkapan Tagihan dan Pencadangan Bersih Table Gross Financial Assets based on Berdasarkan Sektor Ekonomi - Bank secara Individual Economic Sectors - Bank Only

Belum Jatuh Tempo

Telah Jatuh Tempo

Current (≤90dpd) Past Due (>90dpd)

(1) (2) (3) (4) (5) (6) (7) (8)1 Pertanian, Perburuan dan Kehutanan 0 0 0 0 0 0

Agriculture, Hunting and Forestry2 Perikanan 29.482 0 0 0 685 0

Fishery3 Pertambangan dan Penggalian 58.145 0 0 49.763 101 0

Mining and Excavation4 Industri Pengolahan 5.246.931 4.169.133 0 26.668 217.133 199.103

Manufacturing5 Listrik, Gas dan Air 0 0 0 0 0 0

Electricity, Gas and Water6 Konstruksi 0 0 0 0 0 0

Construction7 Perdagangan Besar dan Eceran 925.677 0 0 0 21.495 0

Wholesale and Retail Trading8 Penyediaan Akomodasi dan Penyediaan Makan Minum 135.154 182.689 0 0 7.381 0

Accommodation and food providers9 Transportasi, Pergudangan dan Komunikasi 59.380 25.827 0 0 1.979 0

Transportation, Warehouse and Communication10 Perantara Keuangan 3.311.306 0 0 0 15.512 0

Financial Brokerage11 Real Estate, Usaha Persewaan dan Jasa Perusahaan 0 426.857 0 0 9.912 0

Real Estate, Leasing and Corporate Services12 Administrasi pemerintahan, pertahanan dan jaminan sosial

wajib 0 0 0 0 0 0

Public Administration, Defense, and Compulsory Social Security13 Jasa Pendidikan 0 0 0 0 0 0

Education Services14 Jasa Kesehatan dan Kegiatan Sosial 0 0 0 0 0 0

Health and Social Services15 Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan

Perorangan Lainya 0 0 0 0 0 0


16 Jasa perorangan yang melayani rumah tangga 0 0 0 0 0 0Individual Services for Housing

17 Badan Internasional Badan Ekstra Internasional Lainnya 0 0 0 0 0 0International Agencies and Other International Extra Agencies

18 Kegiatan yang Belum Jelas Batasannya 0 0 0 0 0 0Other Services

19 Bukan Lapangan Usaha 5.340 59 0 0 126 0Non-Business Activity

20 Lainnya 0 0 0 0 0 0Others

Total 9.771.415 4.804.565 0 76.431 274.324 199.103


Individual Spececific Provision

Portfolio Impairement

Provision

Write off

Cadangan Kerugian

penurunan nilai (CKPN) -

Individual

Cadangan Kerugian

penurunan nilai (CKPN) - Kolektif

Tagihan yang dihapus

buku


No

Gross Financial

Assets

Impairment Asset

Sektor EkonomiEconomic Sector

Tagihan yang mengalami Penurunan Nilai

Tagihan


Belum Jatuh Tempo

Telah Jatuh Tempo

Current (≤90dpd) Past Due (>90dpd)

(1) (2) (3) (4) (5) (6) (7) (8)1 Pertanian, Perburuan dan Kehutanan 0 0 0 0 0 0

Agriculture, Hunting and Forestry2 Perikanan 0 22.761 0 0 448 0

Fishery3 Pertambangan dan Penggalian 14.182 0 0 0 285 0

Mining and Excavation4 Industri Pengolahan 3.264.860 924.463 259.334 182.222 85.726 0

Manufacturing5 Listrik, Gas dan Air 0 0 0 0 0 0

Electricity, Gas and Water6 Konstruksi 0 0 0 0 0 0

Construction7 Perdagangan Besar dan Eceran 1.051.902 51.551 59.685 0 22.774 0

Wholesale and Retail Trading8 Penyediaan Akomodasi dan Penyediaan Makan Minum 125.214 14.466 0 0 2.753 0

Accommodation and food providers9 Transportasi, Pergudangan dan Komunikasi 97.548 20.891 0 0 2.329 0

Transportation, Warehouse and Communication10 Perantara Keuangan 1.539.222 0 0 0 11.832 0

Financial Brokerage11 Real Estate, Usaha Persewaan dan Jasa Perusahaan 168.008 141.271 0 0 6.081 0

Real Estate, Leasing and Corporate Services12 Administrasi pemerintahan, pertahanan dan jaminan sosial

wajib 0 0 0 0 0 0

Public Administration, Defense, and Compulsory Social Security13 Jasa Pendidikan 0 0 0 0 0 0

Education Services14 Jasa Kesehatan dan Kegiatan Sosial 0 0 0 0 0 0

Health and Social Services15 Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan

Perorangan Lainya 0 0 0 0 0 0


16 Jasa perorangan yang melayani rumah tangga 0 0 0 0 0 0Individual Services for Housing

17 Badan Internasional Badan Ekstra Internasional Lainnya 0 0 0 0 0 0International Agencies and Other International Extra Agencies

18 Kegiatan yang Belum Jelas Batasannya 0 0 0 0 0 0Other Services

19 Bukan Lapangan Usaha 3.497 0 0 0 69 0Non-Business Activity

20 Lainnya 0 0 0 0 0 0Others

Total 6.264.433 1.175.403 319.019 182.222 132.297 0


Individual Spececific Provision

Portfolio Impairement

Provision

Write off


Tagihan

Cadangan Kerugian

penurunan nilai (CKPN) -

Individual

Cadangan Kerugian

penurunan nilai (CKPN) - Kolektif

Tagihan yang dihapus

bukuNo

Gross Financial

Assets

Impairment Asset

Sektor EkonomiEconomic Sector

Tagihan yang mengalami Penurunan Nilai


g. Keseluruhan penurunan nilai cadangan sepanjang g. Overall impairment provision movement tahun during the year Tabel Pengungkapan Rincian Mutasi Cadangan Kerugian Table Detail of Impairment Position Movement Penurunan Nilai Ekonomi - Bank secara Individual - Bank Only

CKPN Individual CKPN KolektifIndividual Impairment

ProvisionPortfolio Impairment

Provision(1) (2) (3) (4)

1 Saldo Awal CKPN 182.222 132.297Beginning Balance of Impairment Provision

2 Pembentukan (Pemulihan) CKPN pada Periode Berjalan (Net)Charge/Release of Impairment Provision for the Current Year (Net)2.a. Pembentukan CKPN pada Periode Berjalan 93.312 142.0272.a. Charge of Impairment Provision for the Current Year2.b. Pemulihan CKPN pada periode berjalan 0 02.b. Release of Impairment Provision for the Current Year

3 CKPN yang Digunakan untuk Melakukan Hapus Buku Atas Tagihan pada Periode Berjalan 199.103 0Impairment Provision for Write-off

4 Pembentukan (Pemulihan) Lainnya pada Periode Berjalan 0 0Other Charge/Release for the Current Year

Total CKPN | Ending Balance of Impairment Provision 76.431 274.324


Keterangan | DescriptionNo


CKPN Individual CKPN KolektifIndividual Impairment

ProvisionPortfolio Impairment

Provision(1) (2) (3) (4)

1 Saldo Awal CKPN 178,992 76,229Beginning Balance of Impairment Provision

2 Pembentukan (Pemulihan) CKPN pada Periode Berjalan (Net)Charge/Release of Impairment Provision for the Current Year (Net)2.a. Pembentukan CKPN pada Periode Berjalan 3,230 56,0682.a. Charge of Impairment Provision for the Current Year2.b. Pemulihan CKPN pada periode berjalan 0 02.b. Release of Impairment Provision for the Current Year

3 CKPN yang Digunakan untuk Melakukan Hapus Buku Atas Tagihan pada Periode Berjalan 0 0Impairment Provision for Write-off

4 Pembentukan (Pemulihan) Lainnya pada Periode Berjalan 0 0Other Charge/Release for the Current Year

Total CKPN | Ending Balance of Impairment Provision 182,222 132,297


Keterangan | DescriptionNo



h. Skala Peringkat h. Rating Tabel Pengungkapan Tagihan Bersih Berdasarkan Table Net Amount based on Portfolio Kategoi Portofolio dan Skala Peringkat Category and Rating - Bank Only - Bank secara Individual

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i. Transaksi Derivatif i. Derivative Transaction Tabel Pengungkapan Risiko Kredit Pihak Table Counterparty Credit Risk Derivative Lawan : Transaksi Derivatif Transactions

Tagihan Derivatif

Kewajiban Derivatif

Tagihan Bersih Sebelum MRK

MRK (Mitigasi Risiko Kredit)

Tagihan Bersih setelah MRK

< 1 Tahun>1 Tahun - <5

Tahun>5 Tahun

< 1 Year>1 Year - <5

Year>5 Year

Bank secara Individual | Bank Only1 Suku Bunga 0 0 0 0 0 0 0 0

Interest Rate2 Nilai Tukar 653.809 0 0 49.854 47.886 24.646 17.189 14.007

Foreign Exchange3 Lainya 0 0 0 0 0 0 0 0

OthersTotal

(Dalam jutaan rupiah | In Milion Rupiah )31 Desember 2013 | 31 December 2013

Nilai Notional | Notional AmountVariabel yang mendasari

Underlying Financial Instrument

No Net Amount after CRM

CRM (Credit Risk

Mitigation)

Net amount before CRM

Derivative Payable

Derivative Receivable

Tagihan Derivatif

Kewajiban Derivatif

Tagihan Bersih Sebelum MRK

MRK (Mitigasi Risiko Kredit)

Tagihan Bersih setelah MRK

< 1 Tahun>1 Tahun - <5

Tahun>5 Tahun

< 1 Year>1 Year - <5

Year>5 Year

Bank secara Individual | Bank Only1 Suku Bunga 0 0 0 0 0 0 0 0

Interest Rate2 Nilai Tukar 1,828,459 128,270 0 49,854 47,886 37,989 23,109 25,110

Foreign Exchange3 Lainya 0 0 0 0 0 0 0 0

OthersTotal


Nilai Notional | Notional AmountVariabel yang mendasari

Underlying Financial Instrument

No Net Amount after CRM

CRM (Credit Risk

Mitigation)

Net amount before CRM

Derivative Payable

Derivative Receivable

j. Mitigasi Risiko Kredit j. Credit Risk Mitigation Tabel Pengungkapan Tagihan Bersih Berdasarkan Table Net Amount based on Risk Weight after Bobot Risiko setelah Memperhitungkan Dampak Credit Risk Mitigation - Bank Only Mitigasi Risiko Kredit - Bank secara Individual

Tabel di halaman selanjutnya Table in the next page


ATMR Beban Portfolio Category

0% 20% 35% 40% 45% 50% 75% 100% 150%Lainnya Others

RWA Capital Charge

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)1 Tagihan Kepada Pemerintah 0 0 0 0 0 0 0 0 0 0 0 0

Claims on Sovereign2 Tagihan Kepada Entitas Sektor Publik 0 0 0 0 0 0 0 0 0 0 0 0

Claims on Public Sector Entity3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga

Internasional 0 1.192.980 0 0 0 0 0 0 0 0 238.596 19.088


4 Tagihan Kepada Bank 0 0 0 0 0 0 0 0 0 0 0 0Claims on Banks

5 Kredit Beragun Rumah Tinggal 0 0 0 0 0 0 0 0 0 0 0 0Claims Secured by Residential Property

6 Kredit Beragun Properti Komersial 0 0 0 0 0 0 0 0 0 0 0 0Claims Secured by Commercial Real Estate

7 Kredit Pegawai/Pensiunan 0 0 0 0 0 0 0 0 0 0 0 0Employee Loan/Pension

8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 0 0 0 0 0 0 0 0 0 0 0 0Claims on Micro and Small Enterprise, and Retail Portfolio

9 Tagihan Kepada Korporasi 0 588.000 0 0 0 66.935 0 10.604.990 0 0 10.756.058 860.485Claims on Corporate

10 Tagihan Yang Telah Jatuh Tempo 0 0 0 0 0 0 0 0 546.219 0 819.329 65.546Past Due Claims

11 Aset Lainnya 0 0 0 0 0 0 0 551.440 0 0 551.440 44.115Other Assets

12 Eksposur di Unit Usaha Syariah (apabila ada) 0 0 0 0 0 0 0 0 0 0 0 0Exposures at Sharia Unit (if any)

0 1.780.980 0 0 0 66.935 0 11.156.430 546.219 0 12.365.422 989.234

B Eksposur Rekening Administratif | Off Balance Sheet1 Tagihan Kepada Pemerintah 0 0 0 0 0 0 0 0 0 0 0 0



Internasional 0 0 0 0 0 0 0 0 0 0 0 0







9 Tagihan Kepada Korporasi 0 0 0 0 0 0 0 4.108.774 0 0 4.108.774 328.702Claims on Corporate

10 Tagihan Yang Telah Jatuh Tempo 0 0 0 0 0 0 0 0 125.265 0 187.898 15.032Past Due Claims


0 0 0 0 0 0 0 4.108.774 125.265 0 4.296.672 343.734

C Eksposur Counterparty Credit Risk | Counterparty Credit Risk 1 Tagihan Kepada Pemerintah 0 0 0 0 0 0 0 0 0 0 0 0



Internasional 0 0 0 0 0 0 0 0 0 0 0 0


4 Tagihan Kepada Bank 0 1.289 0 0 0 4.302 0 0 0 0 2.409 193Claims on Banks


6 Tagihan Kepada Korporasi 0 0 0 0 0 0 0 11.598 0 0 11.598 928Claims on Corporate


0 1.289 0 0 0 4.302 0 11.598 0 0 14.007 1.121

Total Eksposur Rekening Administratif | Total Off Balance Sheet

Total Eksposur Counterparty Credit Risk | Total Counterparty Credit Risk


Kategori Portofolio

Total Eksposur Neraca | Total of Balance Sheet

Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit | Net Amount After Credit Risk No



ATMR Beban Portfolio Category

0% 20% 35% 40% 45% 50% 75% 100% 150%Lainnya Others

RWA Capital Charge

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)1 Tagihan Kepada Pemerintah 0 0 0 0 0 0 0 0 0 0 0 0



Internasional 0 503,667 0 0 0 0 0 0 0 0 100,733 8,059







9 Tagihan Kepada Korporasi 0 515,000 0 0 0 92,764 0 5,437,356 0 0 5,586,738 446,939Claims on Corporate

10 Tagihan Yang Telah Jatuh Tempo 0 0 0 0 0 0 0 0 729,553 0 1,094,330 87,546Past Due Claims

11 Aset Lainnya 0 0 0 0 0 0 0 346,719 0 0 346,719 27,738Other Assets


0 1,018,667 200 408 683 92,764 0 5,784,075 729,553 0 7,129,060 570,325

B Eksposur Rekening Administratif | Off Balance Sheet1 Tagihan Kepada Pemerintah 0 0 0 0 0 0 0 0 0 0 0 0



Internasional0 0 0 0 0 0 0 0 0 0 0 0







9 Tagihan Kepada Korporasi 0 0 0 0 0 0 0 1,564,562 0 0 1,564,562 125,165Claims on Corporate

10 Tagihan Yang Telah Jatuh Tempo 0 0 0 0 0 0 0 0 54,929 0 82,394 6,591Past Due Claims


0 0 0 0 0 0 0 1,564,562 54,929 0 1,646,956 131,756

C Eksposur Counterparty Credit Risk | Counterparty Credit Risk 1 Tagihan Kepada Pemerintah 0 0 0 0 0 0 0 0 0 0 0 0



Internasional 0 0 0 0 0 0 0 0 0 0 0 0


4 Tagihan Kepada Bank 0 1,419 0 0 0 23,488 0 0 0 0 12,028 962Claims on Banks


6 Tagihan Kepada Korporasi 0 0 0 0 0 0 0 13,082 0 0 13,082 1,047Claims on Corporate


0 1,419 0 0 0 23,488 0 13,082 0 0 25,110 2,009


Total Eksposur Counterparty Credit Risk | Total Counterparty Credit Risk


Kategori Portofolio

Total Eksposur Neraca | Total of Balance Sheet

Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit | Net Amount After Credit Risk No



Tabel Pengungkapan Tagihan Bersih dan Teknik Table Net Amount and Credit Risk Mitigation Mitigasi Risiko Kredit - Bank secara Individual Technique –Bank Only

Tagihan Bersih Bagian Yang Tidak

DijaminAgunan Garansi Asuransi Kredit Lainnya

Cash Collateral Guarantee Credit Insurance Others(1) (2) (3) (4) (5) (6) (7) (8)=(3)-[(4)+(5)+(6)+(7)]A Eksposur Neraca | On Balance Sheet

1 Tagihan Kepada Pemerintah 1.450.326 0 0 0 0 1.450.326Claims on Sovereign

2 Tagihan Kepada Entitas Sektor Publik 0 0 0 0 0 0Claims on Public Sector Entity

3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional 0 0 0 0 0 0Claims on Multilateral Development Banks and International Institutions

4 Tagihan Kepada Bank 1.192.980 0 0 0 0 1.192.980Claims on Banks

5 Kredit Beragun Rumah Tinggal 0 0 0 0 0 0Claims Secured by Residential Property



8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 0 0 0 0 0 0Claims on Micro and Small Enterprise, and Retail Portfolio

9 Tagihan Kepada Korporasi 11.382.371 122.446 0 0 0 11.259.925Claims on Corporate

10 Tagihan Yang Telah Jatuh Tempo 550.303 4.084 0 0 0 546.219Past Due Claims

11 Aset Lainnya 559.644 0 0 0 0 559.644Other Assets

12 Eksposur di Unit Usaha Syariah (apabila ada) 0 0 0 0 0 0Exposures at Sharia Unit (if any)

15.135.624 126.530 0 0 0 15.009.094

B Eksposur Rekening Administratif | Off Balance Sheet1 Tagihan Kepada Pemerintah 0 0 0 0 0 0


Claims on Public Sector Entity3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional 0 0 0 0 0 0

Claims on Multilateral Development Banks and International Institutions4 Tagihan Kepada Bank 0 0 0 0 0 0

Claims on Banks5 Kredit Beragun Rumah Tinggal 0 0 0 0 0 0

Claims Secured by Residential Property6 Kredit Beragun Properti Komersial 0 0 0 0 0 0

Claims Secured by Commercial Real Estate7 Kredit Pegawai/Pensiunan 0 0 0 0 0 0

Employee Loan/Pension8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 0 0 0 0 0 0

Claims on Micro and Small Enterprise, and Retail Portfolio9 Tagihan Kepada Korporasi 8.458.553 263.262 0 0 0 8.195.291

Claims on Corporate10 Tagihan Yang Telah Jatuh Tempo 619.184 4.084 0 0 0 615.100

Past Due Claims11 Aset Lainnya 0 0 0 0 0 0


Exposures at Sharia Unit (if any)9.077.737 267.346 0 0 0 8.810.391

C Eksposur Counterparty Credit Risk | Counterparty Credit Risk 1 Tagihan Kepada Pemerintah 0 0 0 0 0 0



Claims on Multilateral Development Banks and International Institutions4 Tagihan Kepada Bank 15.047 0 0 0 0 15.047

Claims on Banks5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 0 0 0 0 0 0

Claims on Micro and Small Enterprise, and Retail Portfolio6 Tagihan Kepada Korporasi 11.598 0 0 0 0 11.598

Claims on Corporate7 Eksposur di Unit Usaha Syariah (apabila ada) 0 0 0 0 0 0

Exposures at Sharia Unit (if any)26.645 0 0 0 0 26.645

24.240.006 393.876 0 0 0 23.846.130



Total Eksposur Counterparty Credit Risk | Total Counterparty Credit RiskTotal (A+B+C)

No


Total Eksposur Neraca | Total On Balance Sheet

Bagian Yang Dijamin Dengan | Exposure Which is Secured byKategori PortofolioPortfolio Category Unsecured ExposureNet Amount


Tagihan Bersih Bagian Yang Tidak

DijaminAgunan Garansi Asuransi Kredit Lainnya

Cash Collateral Guarantee Credit Insurance Others(1) (2) (3) (4) (5) (6) (7) (8)=(3)-[(4)+(5)+(6)+(7)]A Eksposur Neraca | On Balance Sheet

1 Tagihan Kepada Pemerintah 434,299 0 0 0 0 434,299Claims on Sovereign

2 Tagihan Kepada Entitas Sektor Publik 0 0 0 0 0 0Claims on Public Sector Entity

3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional 0 0 0 0 0 0Claims on Multilateral Development Banks and International Institutions

4 Tagihan Kepada Bank 503,667 0 0 0 0 503,667Claims on Banks

5 Kredit Beragun Rumah Tinggal 1,291 0 0 0 0 1,291Claims Secured by Residential Property



8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 0 0 0 0 0 0Claims on Micro and Small Enterprise, and Retail Portfolio

9 Tagihan Kepada Korporasi 6,088,136 43,017 0 0 0 6,045,119Claims on Corporate

10 Tagihan Yang Telah Jatuh Tempo 731,462 1,909 0 0 0 729,553Past Due Claims

11 Aset Lainnya 351,897 0 0 0 0 351,897Other Assets

12 Eksposur di Unit Usaha Syariah (apabila ada) 0 0 0 0 0 0Exposures at Sharia Unit (if any)

8,110,752 44,926 0 0 0 8,065,826

B Eksposur Rekening Administratif | Off Balance Sheet1 Tagihan Kepada Pemerintah 0 0 0 0 0 0



Claims on Multilateral Development Banks and International Institutions4 Tagihan Kepada Bank 0 0 0 0 0 0

Claims on Banks5 Kredit Beragun Rumah Tinggal 0 0 0 0 0 0

Claims Secured by Residential Property6 Kredit Beragun Properti Komersial 0 0 0 0 0 0

Claims Secured by Commercial Real Estate7 Kredit Pegawai/Pensiunan 0 0 0 0 0 0

Employee Loan/Pension8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 0 0 0 0 0 0

Claims on Micro and Small Enterprise, and Retail Portfolio9 Tagihan Kepada Korporasi 1,584,167 19,605 0 0 0 1,564,562

Claims on Corporate10 Tagihan Yang Telah Jatuh Tempo 54,929 0 0 0 0 54,929

Past Due Claims11 Aset Lainnya 0 0 0 0 0 0


Exposures at Sharia Unit (if any)1,639,096 19,605 0 0 0 1,619,491

C Eksposur Counterparty Credit Risk | Counterparty Credit Risk 1 Tagihan Kepada Pemerintah 0 0 0 0 0 0



Claims on Multilateral Development Banks and International Institutions4 Tagihan Kepada Bank 54,069 0 0 0 0 54,069

Claims on Banks5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 0 0 0 0 0 0

Claims on Micro and Small Enterprise, and Retail Portfolio6 Tagihan Kepada Korporasi 13,082 0 0 0 0 13,082

Claims on Corporate7 Eksposur di Unit Usaha Syariah (apabila ada) 0 0 0 0 0 0

Exposures at Sharia Unit (if any)67,151 0 0 0 0 67,151

9,816,999 64,531 0 0 0 9,752,468



Total Eksposur Counterparty Credit Risk | Total Counterparty Credit RiskTotal (A+B+C)

No


Total Eksposur Neraca | Total On Balance Sheet

Bagian Yang Dijamin Dengan | Exposure Which is Secured byKategori PortofolioPortfolio Category Unsecured ExposureNet Amount


k. Perhitungan ATMR Risiko Kredit pendekatan k. Credit RWA Calculation under Standar – Bank secara Individual Standardized Approach – Bank Only Tabel Pengungkapan Eksposur Aset di Neraca Table Asset Exposure on Balance Sheet

Tagihan Bersih ATMR Sebelum MRK ATMR Setelah MRKPortfolio Category Net Amount RWA Before CRM RWA After CRM

(1) (2) (3) (4) (5)1 Tagihan Kepada Pemerintah 1.450.326 0 0

Claims on Sovereign2 Tagihan Kepada Entitas Sektor Publik 0 0 0

Claims on Public Sector Entity3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional 0 0 0

Claims on Multilateral Development Banks and International Institutions4 Tagihan Kepada Bank 1.192.980 238.596 238.596

Claims on Banks5 Kredit Beragun Rumah Tinggal 0 0 0

Claims Secured by Residential Property6 Kredit Beragun Properti Komersial 0 0 0

Claims Secured by Commercial Real Estate7 Kredit Pegawai/Pensiunan 0 0 0

Employee Loan/Pension8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 0 0 0

Claims on Micro and Small Enterprise, and Retail Portfolio9 Tagihan Kepada Korporasi 11.382.371 10.878.504 10.756.058

Claims on Corporate10 Tagihan Yang Telah Jatuh Tempo 550.303 825.455 819.329

Past Due Claims11 Aset Lainnya 559.644 0 551.440

Other Assets15.135.624 11.942.555 12.365.423

No Kategori Portofolio31 Desember 2013 | 31 December 2013

Total



(1) (2) (3) (4) (5)1 Tagihan Kepada Pemerintah 434,299 0 0



Claims on Multilateral Development Banks and International Institutions4 Tagihan Kepada Bank 503,667 100,733 100,733

Claims on Banks5 Kredit Beragun Rumah Tinggal 1,291 541 541




Claims on Micro and Small Enterprise, and Retail Portfolio9 Tagihan Kepada Korporasi 6,088,136 5,629,754 5,586,737

Claims on Corporate10 Tagihan Yang Telah Jatuh Tempo 731,462 1,097,193 1,094,330

Past Due Claims11 Aset Lainnya 351,897 0 346,719

Other Assets8,110,752 6,828,221 7,129,060


Total



Tabel Pengungkapan Eksposur Kewajiban Komitmen / Table Exposure on Commitment / Contigent Kontinjensi pada Transaksi Rekening Aadministratif liabilities in Administrative Accounts


(1) (2) (3) (4) (5)1 Tagihan Kepada Pemerintah 0 0 0



Claims on Multi lateral Development Banks and International Institutions4 Tagihan Kepada Bank 0 0 0





Claims on Micro and Small Enterprise, and Retail Portfolio9 Tagihan Kepada Korporasi 4.372.037 4.372.037 4.108.775

Claims on Corporate10 Tagihan Yang Telah Jatuh Tempo 129.349 194.023 187.897

Past Due Claims4.501.386 4.566.060 4.296.672


Total






Claims on Multi lateral Development Banks and International Institutions4 Tagihan Kepada Bank 0 0 0





Claims on Micro and Small Enterprise, and Retail Portfolio9 Tagihan Kepada Korporasi 1,584,167 1,584,167 1,564,562

Claims on Corporate10 Tagihan Yang Telah Jatuh Tempo 54,929 82,394 82,394

Past Due Claims1,639,096 1,666,561 1,646,956


Total



Tabel Pengungkapan Eksposur yang Menimbulkan Risiko Table Counter Party Risk Kredit akibat kegagalan Pihak Lawan





Claims on Multi lateral Development Banks and International Institutions4 Tagihan Kepada Bank 15.048 5.591 2.409

Claims on Banks5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 0 0 0

Claims on Micro and Small Enterprise, and Retail Portfolio6 Tagihan Kepada Korporasi 11.598 11.598 11.598

Claims on Corporate26.646 17.189 14.007


Total






Claims on Multi lateral Development Banks and International Institutions4 Tagihan Kepada Bank 54,069 24,907 12,028

Claims on Banks5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 0 0 0

Claims on Micro and Small Enterprise, and Retail Portfolio6 Tagihan Kepada Korporasi 13,082 13,082 13,082

Claims on Corporate67,151 37,989 25,110


Total


Tabel Pengungkapan Eksposur yang Menimbulkan Risiko Table Settlement Risk Kredit akibat kegagalan Setelmen

Tagihan Bersih Faktor Pengurang Modal ATMR Setelah MRKType of Transaction Net Amount Capital Deduction Factor RWA After CRM

(1) (2) (3) (4) (5)1 Delivery versus payment 0 0 0

Delivery versus paymenta. Beban Modal 8% (5-15 hari) 0 0 0a. Capital Charge 8% (5-15 days)b. Beban Modal 50% (16-30 hari) 0 0 0a. Capital Charge 50% (16-30 days)c. Beban Modal 75% (31-45 hari) 0 0 0a. Capital Charge 75% (31-45 days)d. Beban Modal 100% (lebih dari 45 hari) 0 0 0a. Capital Charge 100% (more than 45 days)

2 Non-delivery versus payment 0 0 0Non-delivery versus payment

0 0 0

No Jenis Transaksi31 Desember 2013 | 31 December 2013

Total



Tagihan Bersih Faktor Pengurang Modal

ATMR Setelah MRK

Type of Transaction Net Amount Capital Deduction Factor

RWA After CRM

(1) (2) (3) (4) (5)1 Delivery versus payment 0 0 0

Delivery versus paymenta. Beban Modal 8% (5-15 hari) 0 0 0a. Capital Charge 8% (5-15 days)b. Beban Modal 50% (16-30 hari) 0 0 0a. Capital Charge 50% (16-30 days)c. Beban Modal 75% (31-45 hari) 0 0 0a. Capital Charge 75% (31-45 days)d. Beban Modal 100% (lebih dari 45 hari) 0 0 0a. Capital Charge 100% (more than 45 days)

2 Non-delivery versus payment 0 0 0Non-delivery versus payment

0 0 0

No Jenis Transaksi


Total


Tabel Pengungkapan Eksposur Sekuritisasi Table Disclosure of Securitization Exposures

Faktor Pengurang Modal ATMRType of Transaction Capital Deduction Factor RWA

(1) (2) (3) (4)1 Fasil itas Kredit Pendukung yang memenuhi persyaratan 0 0

supporting Credit Facility that meets the requirements2 Fasil itas Kredit Pendukung yang tidak memenuhi persyaratan 0 0

supporting Credit Facility that do not meets the requirements3 Fasil itas Likuiditas Pendukung yang memenuhi persyaratan 0 0

Liquidity facilities that meet the requirements4 Fasil itas Likuiditas Pendukung yang tidak memenuhi persyaratan 0 0

Liquidity facilities that do not meet the requirements5 Pembelian Efek Beragun Aset yang memenuhi persyaratan 0 0

Purchase of Asset-Backed Securities that meet the requirements6 Pembelian Efek Beragun Aset yang tidak memenuhi persyaratan 0 0

Purchase of Asset-Backed Securities that do not meet the requierments

0 0

Eksposur Sekuritisasi yang tidak tercakup dalam ketentuan Bank Indonesia mengenai prinsip-prinsip kehati-hatian dalam aktivitas sekuritisasi aset

No

Total

Jenis Transaksi

Securitisation exposures that are not covered by the provisions of Bank Indonesia on the principles of prudence in asset securitization for banks.

7


00


(1) (2) (3) (4)1 Fasil itas Kredit Pendukung yang memenuhi persyaratan 0 0

supporting Credit Facility that meets the requirements2 Fasil itas Kredit Pendukung yang tidak memenuhi persyaratan 0 0

supporting Credit Facility that do not meets the requirements3 Fasil itas Likuiditas Pendukung yang memenuhi persyaratan 0 0

Liquidity facilities that meet the requirements4 Fasil itas Likuiditas Pendukung yang tidak memenuhi persyaratan 0 0

Liquidity facilities that do not meet the requirements5 Pembelian Efek Beragun Aset yang memenuhi persyaratan 0 0

Purchase of Asset-Backed Securities that meet the requirements6 Pembelian Efek Beragun Aset yang tidak memenuhi persyaratan 0 0

Purchase of Asset-Backed Securities that do not meet the requierments

0 0

Eksposur Sekuritisasi yang tidak tercakup dalam ketentuan Bank Indonesia mengenai prinsip-prinsip kehati-hatian dalam aktivitas sekuritisasi aset

No

Total

Jenis Transaksi

Securitisation exposures that are not covered by the provisions of Bank Indonesia on the principles of prudence in asset securitization for banks.


7 00



Tabel Pengungkapan di Unit Usaha Syariah Table Exposure in Sharia Unit


(1) (2) (3) (4)1 Total Eksposur 0 0

Total Exposure




(1) (2) (3) (4)1 Total Eksposur 0 0

Total Exposure



Tabel Pengungkapan Total Pengukuran Risiko Kredit Table Total Credit Risk

Jenis Transaksi 31 Desember 2013Type of Transaction 31 December 2013

Total ATMR Risiko Kredit 16.676.101 Total Credit Risk Weighted AssetTotal Faktor Pengurang Modal 0Total Capital Deduction Factor


Jenis Transaksi 31 Desember 2012Type of Transaction 31 December 2012

Total ATMR Risiko Kredit 8,801,126 Total Credit Risk Weighted AssetTotal Faktor Pengurang Modal 0Total Capital Deduction Factor



l. Perhitungan ATMR Risiko Pasar pendekatan l. Market RWA Calculation under Standar – Bank secara Individual Standardized Approach – Bank Only Tabel Pengungkapan Risiko Pasar dengan Table Market Risk under the Standardized Menggunakan Metode Standar Approach

Beban Modal ATMRCapital Charge RWA

(1) (2) (3) (4)1 Risiko Suku Bunga

Interest Rate Riska. Risiko Spesifik 0 0a. Specific Riskb. Risiko Umum 1.901 23.763b. General Risk

2 Risiko Nilai Tukar 12.021 150.264Foreign Exchange Risk

3 Risiko Ekuitas *) 0 0Equity Risk *)

4 Risiko Komoditas *) 0 0Commodity Risk *)

5 Risiko Option 0 0Option Risk

Total 13.922 174.027


No

31 Desember 2013 | 31 December 2013BankJenis Risiko

Type of Risk

Beban Modal ATMRCapital Charge RWA

(1) (2) (3) (4)1 Risiko Suku Bunga

Interest Rate Riska. Risiko Spesifik 0 0a. Specific Riskb. Risiko Umum 4,200 52,502b. General Risk

2 Risiko Nilai Tukar 881 11,007Foreign Exchange Risk

3 Risiko Ekuitas *) 0 0Equity Risk *)

4 Risiko Komoditas *) 0 0Commodity Risk *)

5 Risiko Option 0 0Option Risk

Total 5,081 63,509


No

31 Desember 2012 | 31 December 2012 BankJenis Risiko

Type of Risk


m. Perhitungan ATMR Risiko Operasional m. Operational RWA Calculation– Bank Only – Bank secara Individual Tabel Pengungkapan Kuantitatif Risiko Operasional Table Operational Risk Under Basic Indicator Approach

Pendapatan Bruto(Rata-rata 3 tahun terakhir)*)

Beban Modal ATMR

Approach Gross Income(Average of last 3 years)*)

Capital Charge RWA

(1) (2) (3) (4) (5)1 Pendekatan Indikator Dasar 236.000 35.400 442.503

Basic Indicator Approach

No Pendekatan Yang Digunakan

31 Desember 2013 | 31 December 2013(Dalam jutaan rupiah | In Milion Rupia h)

Pendapatan Bruto(Rata-rata 3 tahun terakhir)*)

Beban Modal ATMR

Approach Gross Income(Average of last 3 years)*)

Capital Charge RWA

(1) (2) (3) (4) (5)1 Pendekatan Indikator Dasar 238.371 35.756 446.946

Basic Indicator Approach

No Pendekatan Yang Digunakan

31 Desember 2012 | 31 December 2012 (Dalam jutaan rupiah | In Milion Rupia h)


n. Profil Maturitas n. Maturity Profile Tabel Pengungkapan Profil Maturitas Rupiah Table Maturity Profile Rupiah – Bank Only Bank secara Individual

Tagihan Bersih

Net Amount < 1 bulan

> 1 bln s.d 3 bln

> 3 bln s.d 6 bln

> 6 bln s.d 12 bln > 12 bulan

up to 1 month

>1 month to 3 months

>3 months to 6 months


>12 months

I. Eksposur Neraca | On Balance SheetA. Aset | Asset

1 Kas | Cash 5.685 5.685 - - - - 2 Penempatan pada Bank Indonesia 102.705 102.705 - - - -

Placement to BI3 Penempatan pada bank lain 910.950 910.950 - - - -

Placement to Other Bank4 Surat Berharga | Marketable Securities 1.349.599 17.079 426.416 713.727 - 192.377 5 Kredit yang diberikan | Loan 2.328.195 302.324 162.435 132.051 358.336 1.373.049 6 Tagihan lainnya | Other Receivables - - - - - - 7 Lain-lain | Others 203.840 203.840 - - - -

Jumlah Aset | Total Asset 4.900.974 1.542.583 588.851 845.778 358.336 1.565.426

B. Kewajiban | Liabilities1 Dana pihak ketiga 735.446 519.074 166.650 46.367 3.355 -

Deposit from Customer2 Kewajiban kepada Bank Indonesia -

Liabilities to BI3 Kewajiban kepada Bank lain 335.134 285.000 50.000 - - 134

Liabilities to Bank4 Surat berharga yang diterbitkan - - - - - -

Issued Marketable Securities5 Pinjaman yang diterima | Borrowing - - - - - - 6 Kewajiban lainnya | Other Liablities - - - - - - 7 Lain-lain | Others 1.146 1.146 - - - -

Jumlah Kewajiban | Total Liabilities 1.071.726 805.220 216.650 46.367 3.355 134

Selisih Aset dengan kewajiban dalam neraca 3.829.248 737.363 372.201 799.411 354.981 1.565.292 Asset - Liabilities

II. Rekening Administratif | Off Balance SheetA.

1 Komitmen | Commitment - - - - - - 2 Kontijensi | Contingent - - - - - -

- - - - - - Total Administrative Receivable

B.

1 Komitmen | Commitment 1.940.946 131.419 486.440 755.510 59.454 508.123 2 Kontijensi | Contingent 48.416 20.802 15.794 7.159 3.524 1.137

Jumlah Kewajiban rekening administratif 1.989.362 152.221 502.234 762.669 62.978 509.260 Total Administrative Payavle

Selisih tagihan dan kewajiban dalam rekening administratif (1.989.362) (152.221) (502.234) (762.669) (62.978) (509.260) Derivative Receivable - Derivative Payable

Selisih [(IA-IB) + (IIA-IIB)] | Difference [(IA-IB) + (IIA-IIB)] 1.839.886 585.142 (130.033) 36.742 292.003 1.056.032

Selisih kumulatif | Cummulative Difference - 585.142 455.109 491.851 783.854 1.839.886


AccountRekening Jatuh Tempo | Maturity

Tagihan rekening administratif | Administrative Receivable

Kewajiban rekening administratif | Administrative Payable

Jumlah Tagihan rekening administratif


Tagihan Bersih


> 1 bln s.d 3 bln

> 3 bln s.d 6 bln


up to 1 month

>1 month to 3 months



>12 months


1 Kas | Cash 3.993 3.993 2 Penempatan pada Bank Indonesia 205.823 205.823 - -

Placement to BI3 Penempatan pada bank lain 380.110 140.110 240.000

Placement to Other Bank4 Surat Berharga | Marketable Securities 103.188 19.897 83.291 - - - 5 Kredit yang diberikan | Loan 1.501.148 458.877 136.199 513.195 135.043 257.834 6 Tagihan lainnya | Other Receivables - - - - - - 7 Lain-lain | Others -

Jumlah Aset | Total Asset 2.194.262 828.700 459.490 513.195 135.043 257.834

B. Kewajiban | Liabilities1 Dana pihak ketiga 641.781 383.715 245.030 11.338 1.698 -


Liabilities to BI3 Kewajiban kepada Bank lain 65.123 65.123


Issued Marketable Securities5 Pinjaman yang diterima | Borrowing - - - - - - 6 Kewajiban lainnya | Other Liablities 3.475 3.475 - - - - 7 Lain-lain | Others -

Jumlah Kewajiban | Total Liabilities 710.379 452.313 245.030 11.338 1.698 -

Selisih Aset dengan kewajiban dalam neraca 1.483.883 376.387 214.460 501.857 133.345 257.834 Asset - Liabilities


1 Komitmen | Commitment 86.823 80.550 4.494 1.779 - - 2 Kontijensi | Contingent - - - - - -

86.823 80.550 4.494 1.779 - - Total Administrative Receivable

B.

1 Komitmen | Commitment 453.145 98.190 190.830 31.696 132.429 - 2 Kontijensi | Contingent 70.321 17.777 43.691 7.365 1.470 18

Jumlah Kewajiban rekening administratif 523.466 115.967 234.521 39.061 133.899 18 Total Administrative Payavle

Selisih tagihan dan kewajiban dalam rekening administratif (436.643) (35.417) (230.027) (37.282) (133.899) (18) Derivative Receivable - Derivative Payable

Selisih [(IA-IB) + (IIA-IIB)] | Difference [(IA-IB) + (IIA-IIB)] 1.047.240 340.970 (15.567) 464.575 (554) 257.816

Selisih kumulatif | Cummulative Difference - 340.970 325.403 789.978 789.424 1.047.240

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2012 | 31 December 2012

AccountRekening Jatuh Tempo | Maturity





Tabel Pengungkapan Profil Maturitas Valas Table Maturity Profile Foreign Currency - Bank secara Individual – Bank Only

Tagihan Bersih


> 1 bln s.d 3 bln

> 3 bln s.d 6 bln


up to 1 month >1 month to 3 months



>12 months


1 Kas | Cash 2.518 2.518 2 Penempatan pada Bank Indonesia 178.899 178.899 - - - -

Placement to BI3 Penempatan pada bank lain 282.030 3.982 182.550 95.498

Placement to Other Bank4 Surat Berharga | Marketable Securities 13.618 13.618 - - - - 5 Kredit yang diberikan | Loan 9.604.479 5.966.367 417.553 165.390 672.551 2.382.618 6 Tagihan lainnya | Other Receivables - - - - - - 7 Lain-lain | Others 347.600 75.588 212.549 53.682 5.781

Jumlah Aset | Total Asset 10.429.144 6.240.972 812.652 219.072 773.830 2.382.618

B. Kewajiban | Liabilities1 Dana pihak ketiga 1.875.324 1.732.533 132.349 10.442 - -


Liabilities to BI3 Kewajiban kepada Bank lain - -


Issued Marketable Securities5 Pinjaman yang diterima | Borrowing 8.885.256 1.887.506 4.563.750 2.434.000 - - 6 Kewajiban lainnya | Other Liablities 1.044.554 387.456 326.752 322.882 6.207 1.257 7 Lain-lain | Others 1.156 1.156

Jumlah Kewajiban | Total Liabilities 11.806.290 4.008.651 5.022.851 2.767.324 6.207 1.257

Selisih Aset dengan kewajiban dalam neraca (1.377.146) 2.232.321 (4.210.199) (2.548.252) 767.623 2.381.361 Asset - Liabilities


1 Komitmen | Commitment 689.431 416.908 78.375 194.148 - - 2 Kontijensi | Contingent - - -

689.431 416.908 78.375 194.148 - - Total Administrative Receivable

B.

1 Komitmen | Commitment 1.827.459 1.822.993 1.061.991 1.439.151 2.277.591 839.474 2 Kontijensi | Contingent 116.941 4.466 17.269 89.352 5.197 657

Jumlah Kewajiban rekening administratif 7.558.141 1.827.459 1.079.260 1.528.503 2.282.788 840.131 Total Administrative Payable

Selisih Tagihan dan Kewajiban dalam rekening administratif (6.868.710) (1.410.551) (1.000.885) (1.334.355) (2.282.788) (840.131) Administrative Receivable - Administrative Payable

Selisih [(IA-IB) + (IIA-IIB)] | Difference [(IA-IB) + (IIA-IIB)] (8.245.856) 821.770 (5.211.084) (3.882.607) (1.515.165) 1.541.230

Selisih kumulatif | Cummulative Difference - 821.770 (4.389.314) (8.271.921) (9.787.086) (8.245.856)





Rekening Jatuh Tempo | Maturity Account


Tagihan Bersih


> 1 bln s.d 3 bln

> 3 bln s.d 6 bln


up to 1 month >1 month to 3 months



>12 months


1 Kas | Cash 1.184 1.184 2 Penempatan pada Bank Indonesia 125.288 125.288 - - - -

Placement to BI3 Penempatan pada bank lain 121.121 121.121

Placement to Other Bank4 Surat Berharga | Marketable Securities - - - - - - 5 Kredit yang diberikan | Loan 5.120.017 888.502 1.230.127 109.184 186.039 2.706.165 6 Tagihan lainnya | Other Receivables 253.595 126.705 80.874 2.606 42.678 732 7 Lain-lain | Others 217.995 217.995

Jumlah Aset | Total Asset 5.839.200 1.480.795 1.311.001 111.790 228.717 2.706.897

B. Kewajiban | Liabilities1 Dana pihak ketiga 787.103 660.746 114.254 12.026 77 -


Liabilities to BI3 Kewajiban kepada Bank lain 129.983 129.983


Issued Marketable Securities5 Pinjaman yang diterima | Borrowing 4.040.478 - - - - 4.040.478 6 Kewajiban lainnya | Other Liablities 256.506 130.511 81.085 1.784 41.869 1.257 7 Lain-lain | Others 207.607 207.607

Jumlah Kewajiban | Total Liabilities 5.421.677 1.128.847 195.339 13.810 41.946 4.041.735

Selisih Aset dengan kewajiban dalam neraca 417.523 351.948 1.115.662 97.980 186.771 (1.334.838) Asset - Liabilities


1 Komitmen | Commitment 687.481 104.086 56.837 441.632 84.926 - 2 Kontijensi | Contingent - - -

687.481 104.086 56.837 441.632 84.926 - Total Administrative Receivable

B.

1 Komitmen | Commitment 3.976.102 1.290.759 543.999 596.229 425.672 1.119.443 2 Kontijensi | Contingent 197.409 95.728 51.830 48.958 893 -

Jumlah Kewajiban rekening administratif 4.173.511 1.386.487 595.829 645.187 426.565 1.119.443 Total Administrative Payable

Selisih Tagihan dan Kewajiban dalam rekening administratif (3.486.030) (1.282.401) (538.992) (203.555) (341.639) (1.119.443) Administrative Receivable - Administrative Payable

Selisih [(IA-IB) + (IIA-IIB)] | Difference [(IA-IB) + (IIA-IIB)] (3.068.507) (930.453) 576.670 (105.575) (154.868) (2.454.281)

Selisih kumulatif | Cummulative Difference - (930.453) (353.783) (459.358) (614.226) (3.068.507)





Rekening Jatuh Tempo | Maturity Account


ANNUAL REPORT

MANAJEMEN

The Management

KOMITE–KOMITE INTERNAL

Peraturan Bank Indonesia no 2/27/PBI/2000 tanggal 15

Desember 2000 mengenai Bank umum menyebutkan

bahwa pejabat eksekutif adalah pejabat yang mempunyai

pengaruh terhadap kebijakan dan operasional bank serta

bertanggung jawab langsung kepada Direksi. Keputusan

yang dibuat dan diambil atas semua kebijakan harus

mendapat persetujuan dari komite yang terkait.

Komite-komite yang terdapat dalam bank adalah:

i. KOMITE MANAJEMEN

Komite ini bertanggung jawab atas efisiensi kinerja

bank. Termasuk penelahaan secara periodik dan

pengarahan operasional, personalia, serta bagian umum

yang akan dibawa dan dibicarakan didalam komite.

Rapat akan diadakan setiap bulan atau sesuai dengan

kebutuhan.

Anggota komite saat ini adalah:

- Chalit Tayjasanant

- Joko Chahjono

- Nilubol Isarankura Na Ayudhya

- Udomsab Srirojanakul

- Lily D. Eman

- Michael Anthony Kosman

- Anwar Munaf

- Heru Purwanto

- Louis Chandra

- Mario Prayitno

ii. KOMITE ASET dan KEWAJIBAN

ALCO adalah komite yang specific dibentuk dibawah

IBG (International Banking Group – HO) yang

bertanggung jawab dalam mengelola asset dan

kewajiban bank sekaligus melaporkannya pada IBG.

Beranggotakan sebagai berikut:


- Joko Chahjono



- Lily D. Eman


- Anwar Munaf

- Heru Purwanto

- Louis Chandra

- Mario Prayitno

INTERNAL COMMITTEES

Bank Indonesia regulation No 2/27/PBI/2000 dated

December 15, 2000 regarding Commercial bank defines

Executive Officer as any position exerting influence on

bank policy and operations and is directly responsible to

the Boards of Directors. Relevant committee approved

decisions on policies and directions of the bank.

Established committees in the bank are:

i. MANAGEMENT COMMITTEE

The committee is responsible to ensure proper and

efficient bank performance running. It covers the

periodical review and direction of operations, personnel

and general affairs. Any matters arise during the course

of operation will be brought up by appropriate members

for further deliberation of the committee. The meeting

will be held monthly or as often as required.

The current members are:


- Joko Chahjono



- Lily D. Eman


- Anwar Munaf.

- Heru Purwanto

- Louis Chandra

- Mario Prayitno

ii. ASSETS AND LIABILITIES COMMITTEE

ALCO is a specific committee delegated by IBG to be

responsible for managing bank’s assets and liabilities as

well as to report to IBG through Management

Committee.

With the following members:


- Joko Chahjono



- Lily D. Eman


- Anwar Munaf

- Heru Purwanto

- Louis Chandra

- Mario Prayitno


ANNUAL REPORT

iii. KOMITE KREDIT

Tanggung jawab utama dari komite ini adalah

mengakses dan menganalisa seluruh portofolio

pinjaman dari bank termasuk baik rekening pinjaman

lancar maupun pinjaman bermasalah.

Rapat diadakan setiap minggu dan dihadiri oleh anggota

yang spesifik telah disetujui oleh Kantor Pusat.

Anggota komite saat ini adalah:


- Joko Chahjono



- Lily D. Eman


- Anwar Munaf

- Heru Purwanto

- Mario Prayitno

iiii. KOMITE MANAGEMEN RESIKO

Komite ini bertanggung jawab atas pemantauan

penerapan kebijakan managemen resiko, memantau

posisi resiko untuk setiap jenis resiko dan aktivitas

fungsional serta memeriksa secara berkala mengenai

managemen resiko.

Rapat akan diadakan setiap bulan atau sesuai dengan

kebutuhan.

Anggota komite yang sekarang adalah:

- Joko Chahjono



- Heru Purwanto

- Anwar Munaf

- Mario Prayitno

iii. LOAN COMMITTEE

The main responsibility of this committee is to assess

and analyze all the banks’ loan portfolio, which includes

active and non-performing loan accounts. The meeting

will be held weekly and attended by members

specifically approved by Head Office.



- Joko Chahjono



- Lily D. Eman


- Anwar Munaf

- Heru Purwanto

- Mario Prayitno

iiii. RISK MANAGEMENT COMMITTE

The Committee is responsible to monitor the

implementation of risk management strategy,

composite risk position for each type and functional

activity and periodically review on risk management

procedure.

The meeting will be held monthly basis or as often as

required.


- Joko Chahjono



- Heru Purwanto

- Anwar Munaf

- Mario Prayitno


ANNUAL REPORT

Pejabat Eksekutif / Executives:

Chalit Tayjasanant, Senior Vice President General Manager, lahir pada tanggal 24 Mei 1953, sebelum

penunjukkannya pada bulan Maret 2002, beliau menjabat

sebagai Pejabat Kepala Eksekutif dan Direktur Eksekutif

dari Bangkok Bank Berhad, Kuala lumpur. Setelah

mendapat gelar Bachelor of Science dari Michigan

Technological University, dan Master of Science dari

University of Dallas, beliau bergabung dengan Bangkok

Bank Kantor pusat pada bulan Januari 1981

General Manager, born on May 24, 1953, before his

appointment in March 2002, he was formerly Chief

Executive Officer & Executive Director of Bangkok Bank

Berhad, Kuala Lumpur. After receiving his Bachelor of

Science from Michigan Technological University and

Master of Science from University of Dallas, he joined

Bangkok Bank, Head Office in January 1981.

Joko Chahjono, Senior Vice President Deputy General Manager, lahir pada tanggal 23 Maret

1962. Beliau bergabung dengan Bangkok Bank, Jakarta

tahun 1989 sebagai Operation Officer. Pada tahun 2001,

diangkat sebagai Vice President yang membawahi

Departemen Operasional. Selanjutnya di tahun 2008, beliau

diangkat sebagai Deputy General Manager yang

membawahi Departmen Operasional dan Supports &

Services. Beliau meraih gelar Sarjana Ekonomi dalam

bidang Akuntansi dari Universitas Tarumanegara, Jakarta

pada tahun 1986.

Nilubol Isarankura Na Ayudhya,

Vice President Deputy General Manager, lahir pada tanggal 14 Agustus

1971. sebelum penunjukkannya pada bulan Juni 2012,

beliau menjabat sebagai Vice President di International

Banking Group Bangkok Bank Kantor Pusat, beliau

diangkat sebagai Deputy General Manager yang

membawahi Departemen Marketing dan Departemen

Treasury. Beliau meraih gelar Bachelor of Financial and

Banking dari Thammasat University di Bangkok, Thailand

pada tahun 1989 dan Master of Business Administration

dari University of Central Oklahoma, di Oklahoma,

Amerika Serikat, pada tahun 1994.

Udomsab Srirojanakul, Assisten Vice President Deputy General Manager, lahir pada tanggal 11 Agustus

1968. sebelum penunjukkannya pada bulan Juni 2012,

beliau menjabat sebagai Assisten Vice President di

International Branch Business Department Bangkok Bank

Kantor Pusat, beliau diangkat sebagai Deputy General

Manager yang membawahi Departemen Managemen

Risiko dan Credit Acceptance. Beliau meraih gelar

Bachelor of Business Administration dari Assumption

University di Bangkok, Thailand pada tahun 1992 dan

Master of Business Administration dari University of

Central Oklahoma di Amerika Serikat pada tahun 1995.

Deputy General Manager, born on March 23, 1962, He

joined Bangkok Bank, Jakarta in 1989 as Operation

Officer. In 2001, he was promoted to Vice President and

supervise Operation Department. Subsequently, in 2008, he

was promoted to Deputy General Manager to supervise

both Operations and Supports & Services Department. He

obtained his Bachelor of Economics in Accounting from

University of Tarumanegara, Jakarta in 1986.

Deputy General Manager, born on August 14, 1971, before

her appointment in June 2012, she was formerly Vice

President International Bangking Group of Bangkok Bank,

Head Office. he was promoted to Deputy General

Manager to supervise both Marketing and Treasury

Department. She obtained her Bachelor of Fiancial adnd

Banking from Thammasat University in Bangkok, Thailand

in 1989 and Master of Business Administration from

University of Central Oklahoma in United Stated of

America in 1994.

Deputy General Manager, born on August 11, 1968, before

her appointment in June 2012, she was formerly Assisten

Vice President International Branch Business Department

of Bangkok Bank, Head Office. he was promoted to

Deputy General Manager to supervise both Risk

Management and Credit Acceptance Department. She

obtained her Bachelor of Business from Assumption

University in Bangkok, Thailand in 1992 and Master of

Business Administration from University of Central

Oklahoma in United Stated of America in 1995.


ANNUAL REPORT

Lily Darmawati Eman, Vice President Head of Operations, lahir pada tanggal 17 Maret 1964,

bergabung dengan Bangkok Bank sejak tahun 1986 dimulai

dari bagian Credit Administration dan menjadi kepala

Customer Services pada tahun 2004. Di angkat sebagai

Asisstant Vice president di tahun 2007. Selanjutnya, di

tahun 2008, beliau di promosikan menjadi Vice President

yang mengepalai Operations Department. Beliau

memperoleh gelar Sarjana Muda dalam bidang Ilmu

Kesekretarisan dari Akademi Sekretaris LPK Tarakanita di

tahun 1986 dan Sarjana Ekonomi dalam bidang

Manajemen Keuangan dari Universitas Indonesia di tahun

1995.

Head of Operations, born on March 17, 1964, joined with

Bangkok Bank since 1986. In the beginning, she started her

career in Credit Administation unit, and became Head of

Customer Services in 2004. She was promoted to Asisstant

Vice President in 2007. Next, in 2008, she was promoted to

Vice President of Operations Department. She obtained her

diploma degree in Secretrarial Knowledge from LPK

Tarakanita College in 1986 and Bachelor of Economics in

Financial Management from University of Indonesia in

1995.

Michael Anthony Kosman, Vice President Head of Marketing, lahir pada tanggal 17 April 1969,


sebagai Marketing Officer dan menjadi Vice President

/Head of Marketing pada tahun 2009. Beliau memperoleh

gelar Bachelor of Science dalam bidang Accounting dari

Rutger’s State University of New Jersey (AS) dan Master

in Business Administration dalam bidang Keuangan dari

ST. John’s University di New York (AS).

Head of Marketing, born on April 17, 1969, joined with

Bangkok Bank since 2006. In the beginning, he started his

career as a Marketing Officer, and became Head of

Marketing in 2009. He obtained his Bachelor of Science in

Accounting from Rutger’s State University of New Jersey

(USA) and Master in Business Administration major in

Finance from Saint John’s University in New York (USA).

Anwar Munaf, Assistant Vice President Direktur Kepatuhan, lahir pada tanggal 20 April 1959,

bergabung dengan Bangkok Bank, Jakarta tahun 1989

dimulai dari posisi akunting supervisor hingga Kepala

bagian ekspor impor. Pada tahun 2002 diangkat sebagai

Assistant Vice President, membawahi departemen budget

dan planning. Dan sejak 14 November 2005 ditunjuk

sebagai Direktur Kepatuhan. Meraih gelar Sarjana

Ekonomi dalam bidang Akuntansi dari Sekolah Tinggi

Ekonomi Indonesia, Jakarta pada tahun 1986.

Compliance Director, born on April 20, 1959, he joined

Bangkok Bank Jakarta in 1989 started from Accounting

Supervisor to Head to Bills department. In 2002, he was

promoted to Assistant Vice President and supervises

Budget and Planning Department. And starting November

14, 2005 he was appointed to take position as Compliance

Officer. He obtained his bachelor of Economics in

Accounting from Sekolah Tinggi Ekonomi Indonesia,

Jakarta in 1986.

Louis Chandra, Assistant Vice President Head of Supports and Services, lahir pada tanggal 08

December 1977, bergabung dengan Bangkok Bank sejak

tahun 2007 dan sekarang ini menjabat sebagai Assistant

Vice President. Beliau memperoleh pengalaman di bidang

akuntansi dan audit dari Deloitte Accounting Firm dan

berbagai program pelatihan. Beliau memperoleh gelar

Sarjana Ekonomi dari City University of New York (AS) di

tahun 2003.

Head of Supports and Services, born on December 08,

1977, joined with Bangkok Bank since 2007, and hold a

position as Assitant Vice president. He obtained accounting

and auditing experiences from Deloitte Accounting Firm

and various training programs. He obtained Bachelor of

Business Administration from City University of New

York (U.S.A) in 2003.

Mario Prayitno, Assistant Vice President Head of Audit and Control, lahir pada tanggal 28 April

1979, bergabung dengan Bangkok Bank sejak tahun 2005

dan sekarang ini menjabat sebagai Assistant Vice

President. Beliau memperoleh pengalaman di bidang

akuntansi dan audit dari Arthur Andersen auditing Firm

and Public Accountant Drs. J. Tanzil & Co., dan berbagai

program pelatihan. Beliau memperoleh gelar Sarjana

Ekonomi dari Universitas Atma Jaya di tahun 2001.

Head of Audit and Control, born on April 28, 1979, joined

with Bangkok Bank since 2005, and hold a position as

Assitant Vice president. He obtained accounting and

auditing experiences from Arthur Andersen auditing Firm

and Public Accountant Drs. J. Tanzil & Co and various

training programs. He obtained Bachelor of Economy from

University of Atma Jaya in 2001.


ANNUAL REPORT

Heru Purwanto, Assistant Vice President Head of Treasury, lahir pada tanggal 15 Juni 1975,


sebagai Senior Dealer dan menjadi Head of Treasury pada

November 2010. Beliau memperoleh gelar Sarjana

Ekonomi dalam bidang Business Administration dari

Sekolah Tinggi Ilmu Administrasi di Malang, Indonesia

Head of Treasury, born on June 15, 1975, joined with


career as a Senior Dealer, and became Head of Treasury in

November 2010. He obtained his Bachelor of Business

Administration from Sekolah Tinggi Ilmu Administrasi in

Malang, Indonesia.

Zainal Karnadi, Chief Officer Sub-branch Manager, lahir pada tanggal 24 Maret 1970,


sebagai Sub-branch Manager cabang Surabaya pada

Februari 2012. Beliau memperoleh gelar Sarjana Hukum

Bisnis dari Universitas Airlangga di Surabaya, Indonesia

Hartono, Chief Officer Sub-branch Manager, lahir pada tanggal 19 November

1979, bergabung dengan Bangkok Bank sejak tahun 2013

dimulai sebagai Sub-branch Manager cabang Medan pada

Oktober 2013. Beliau memperoleh gelar Sarjana Ekonomi

dalam bidang Managemen dari Sekolah Tinggi Ilmu

Ekonomi Harapan di Medan, Indonesia

Sub-branch, born on March 24, 1970, joined with Bangkok

Bank since 2012. In the beginning, he started his career as

a Sub-branch Manager of Surabaya Sub-branch in February

2012. He obtained his Bachelor of Commercial Law from

Airlangga University in Surabaya, Indonesia

Sub-branch Manager, born on June 15, 1975, joined with


career as a Sub-branch Manager of Medan Sub-branch in

October 2013. He obtained his Bachelor of Business

Management from Sekolah Tinggi Ilmu Ekonimi Harapan

in Medan, Indonesia.


ANNUAL REPORT

Documents

Laporan Tahunan 201 3 - Bangkok Bank...Bank telah membuka 1 (satu) Kantor Cabang Pembantu di kota Surabaya pada tanggal 29 Maret 2012 yang beralamat di Jl Raya Darmo No 73, Surabaya,