Consistency Striving for Excellence
Total Page:16
File Type:pdf, Size:1020Kb
Consistency Striving for Excellence Laporan Tahunan Annual Report 2013 Daftar Isi Table of Contents 01 KILAS KINERJA 2013 FLASHBACK PERFORMANCE OF 2013 6 Ikhtisar Keuangan 8 Grafik Ikhtisar Keuangan 9 Ikhtisar Saham Financial Highlights Financial Highlights Graphic Stock Highlights 02 LAPORAN DEWAN KOMISARIS DAN DIREKSI REPORT OF BOARD OF COMMISSIONERS AND BOARD OF DIRECTORS 12 Laporan Dewan Komisaris 20 Laporan Direksi Board of Commissioners Report Board of Directors Report 03 PROFIL PERUSAHAAN COMPANY PROFILE 34 Identitas Perusahaan 52 Profil Dewan Komisaris 70 Lembaga Profesi Penunjang Corporate Identity Board of Commissioners Report Supporting Professional Institutions 35 Sekilas Perusahaan 56 Profil Direksi 70 Realisasi Penggunaan Dana Hasil Company in Brief Board of Directors Report Penawaran Umum 37 Visi dan Misi 63 Manajemen Senior Realization of the Use of Fund from Vision and Mission Senior Management Public Offering 38 Bidang Usaha 64 Komposisi Pemegang Saham 71 Penghargaan dan Sertifikasi Business Lines Shareholders Composition Awards and Certifications 44 Jejak Langkah 66 Struktur Grup Perusahaan 72 Alamat Kantor Cabang Milestones Corporate Group Structure Branch Office Address 48 Peristiwa Penting 2013 68 Informasi Pemegang Saham Utama dan Significant Events 2013 Pengendali 50 Struktur Organisasi Information of Majority and Controlling Organization Structure Shareholders 04 ANALISIS DAN PEMBAHASAN MANAJEMEN MANAGEMENT DISCUSSION AND ANALYSIS 100 Tinjauan Ekonomi Makro Indonesia 127 Kebijakan Suku Bunga Bank Sinarmas 127 Strategi Pemasaran Tahun 2013 Interest Policy of Bank Sinarmas Marketing Strategy Overview Of Indonesia’s Macro Economy In 127 Penghimpunan Dan Pengelolaan Dana 129 Jaringan 2013 Bank Sinarmas Network 122 Tinjauan Bisnis Funding and Fund Management of Bank Business Review Sinarmas 05 Tinjauan UNIT-UNIT Bisnis Overview of Business Units 132 Manajemen Sumber Daya Manusia 144 Manajemen Risiko Human Capital Management Risk Management 140 Teknologi Informasi 226 Unit Usaha Syariah Information Technology Sharia Business Units 06 TATA KELOLA PERUSAHAAN GOOD CORPORATE GOVERNANCE 239 Prinsip Tata Kelola Perusahaan 311 Satuan Kerja Audit Intern (SKAI) 346 Transparansi Kondisi Keuangan Dan Non Corporate Governance Principles Internal Audit Work Unit (SKAI) Keuangan Bank Yang Belum Diungkap 240 Penerapan Tata Kelola Perusahaan 323 Satuan Kerja Manajemen Risiko (SKMR) Dalam Laporan Lainnya Corporate Governance Implementation Risk Management Work Unit Transparency on the Bank’s Financial and Non 242 Assessment GCG Perusahaan 325 Satuan Kerja Kepatuhan Financial Condition not Disclosed in other GCG Assessment Compliance Work Unit Reports 242 Struktur Tata Kelola Perusahaan 328 Profil Kepala Audit Internal 346 Jumlah Penyimpangan Internal Corporate Governance Structure Head of Internal Audit Profile Number of Internal Fraud 243 Rapat Umum Pemegang Saham 329 Sekretaris Perusahaan 347 Permasalahan Hukum General Meeting Of Shareholders Corporate Secretary Legal Issues 249 Dewan Komisaris 334 Profil Komite 348 Transaksi Yang Mengandung Benturan Board of Commissioners Committee Profile Kepentingan 258 Direksi 335 Penerapan Fungsi Kepatuhan, Audit Intern, Conflict of Interest Transaction Board of Directors Dan Audit Ekstern 348 Buy Back Shares Dan Buy Back Obligasi Bank 274 Hubungan Kerja Dewan Komisaris dan Implementation Of Compliance Function, Shares and Bonds Buy Back by the Bank Direksi Internal Audit And External Audit 348 Pemberian Dana Untuk Kegiatan Sosial dan Work Relation of Board of Commissioners 339 Penerapan Manajemen Risiko Dan Sistem Kegiatan Politik Selama Periode Pelapor and Board of Directors Pengendalian Intern Funds for Social and Political Activities during 278 Kebijakan Remunerasi & Penilaian Implementation Of Risk Management And the Reported Period Terhadap Kinerja Dewan Komisaris Dan Internal Control System 349 Budaya Bank Sinarmas Direksi 342 Laporan Penyediaan Dana The Culture Of Bank Sinarmas Remuneration Policy & Assessment Report Of Fund Provision 353 Whistleblowing On Performance Of The Board Of 342 Rencana Strategis Bank Whistleblowing Commissioners And The Board Of Directors The Bank Strategic Plan 356 Kesimpulan Umum Hasil Self Assessment 281 Komite–Komite 343 Rencana Bisnis Bank Pelaksanaan Good Corporate Governance Committees Bank Business Plan General Conclusion on Result of Self- 307 Komite Dibawah Direksi Assessment of the Bank’s GCG Implementation Committees Sub-ordinate to Directors 07 08 TANGGUNG JAWAB SOSIAL PERUSAHAAN LAPORAN KEUANGAN CORPORATE SOCIAL RESPONSIBILITY FINANCIAL REPORT Annual Report 2013 • PT. BANK SINARMAS Tbk. 1 Consistency Striving for Excellence Perusahaan yang besar terbentuk berdasarkan kinerja yang maksimal dan didukung dengan semangat corporate culture yang baik. Kami bertekad untuk menggapai pencapaian terbaik dengan terus menjaga tradisi yang baik di Perusahaan dan melakukan kajian terhadap potensi dan peluang di tengah dinamika perkembangan bisnis guna meraih kesuksesan di masa mendatang. Melalui semangat “Consistency Striving for Excellence”, kami menghadirkan kinerja Perusahaan yang dinamis sejalan dengan perkembangan ekonomi. Kami menyibak sebuah kebijakan bisnis yang penuh dengan esensi kualitas atas kinerja Perusahaan. A reputable company is a fruit from perseverance to exert maximum efforts, coupled with spirit to internalize corporate culture within the company. We are determined to reach the best achievements by keep maintaining our good tradition while studying every single potential and opportunity amid the vibrant business development to attain success in the future. Through a “Consistency Striving for Excellence” spirit, we strive to give a dynamic performance to keep being in line with the economic development. We are now revealing a business policy reflecting an underlying quality of the Company’s performance. 2013 HIGHLIGHTS 15% 13% Jumlah Aset Aset Produktif Total Asset Earning Assets 6% 51% Pendapatan Bunga Jumlah Ekuitas Bersih Total Equity Net Interest Revenue 01 KILAS KINERJA 2013 FLASHBACK PERFORMANCE OF 2013 Ikhtisar Keuangan Financial Highlights dalam Rp Juta / In IDR Million Uraian / Description 2011 2012 2013 Laporan Laba Rugi / Statements of Income Pendapatan Bunga Bersih Net Interest Revenues 511,637 780,192 826,360 Pendapatan di luar Bunga Non Interest Revenues 92,748 171,150 275,230 Pendapatan Operasional Operating Revenues 1,402,920 1,622,734 1,665,377 Beban Operasional Operating Expensess 1,247,843 1,337,255 1,379,277 Laba Sebelum Pajak Income Before Tax 155,077 285,479 286,100 Laba Bersih Net Income 112,650 227,907 221,100 Jumlah Laba Komprehensif Total Comprehensive Income 113,719 233,351 221,156 Laba Bersih per Saham Earning per Share Dasar Basic 13.64 23.57 17.87 Dilusian Dilluted 13.39 20.15 16.5 Laporan Posisi Keuangan / Statements of Financial Position Jumlah Aset Total Assets 16.658.656 15.151.892 17.447.455 Aset Produktif Earning Assets 14.287.584 12.668.515 14.562.067 Dana Pihak Ketiga Third Party Fund 14.853.064 12.860.714 13.819.061 Jumlah Ekuitas Total Equity 1.294.968 1.825.608 2.754.260 Rasio Keuangan / Financial Ratios Permodalan Equity Pemenuhan modal minimum Capital Adequacy Ratio (CAR) 13,98% 18,09% 21,82% Aset tetap terhadap modal Fixed Assets to Total Equity 33,06% 34,74% 26,85% Aset Produktif Earning Assets Aktifa produktif bermasalah Non-Performing Earning Assets 0,61% 2,63% 1,88% Kredit bermasalah (NPL)-bruto Non-Performing Loan (NPL) - Gross 0,88% 3,18% 2,50% Kredit bermasalah (NPL)-neto Non-Performing Loans (NPL) - net 0,79% 2,57% 2,12% PPAP-CKPN terhadap aset produktif Provision to Earning Assets 0,70% 0,73% 0,39% Pemenuhan PPA-CKPN Provisiom Compliance 100,00% 100,00% 100,00% 6 PT. BANK SINARMAS Tbk. • Laporan Tahunan 2013 Ikhtisar Keuangan Financial Highlights dalam Rp Juta / In IDR Million Uraian / Description 2011 2012 2013 Rentabilitas Profitability Laba terhadap total aset Return of Assets (ROA) 1,07% 1,74% 1,71% Laba terhadap ekuitas Return on Equity (ROE) 10,03% 15,42% 9,23% Marjin bunga bersih Net Interest Margin (NIM) 5,65% 5,72% 5,23% Biaya operasional/Pendapatan operasional (BOPO) 93,55% 83,75% 83,25% Operational Expenses/Operational Income Likuiditas Liquidity Kredit terhadap dana yang dihimpun Loans to Deposit Ratio (LDR) 69,50% 80,78% 78,72% Kepatuhan Presentase pelanggaran BMPK - - - Percentage of Legal Lending Limit Violation Pihak terkait Related Parties Nil Nil Nil Pihak tidak terkait Non Related Parties Nil Nil Nil Presentase pelampauan BMPK Percentage of Legal Lending Limit Excesses Pihak terkait Related Parties Nil Nil Nil Pihak tidak terkait Non Related Parties Nil Nil Nil Giro wajib minimum (Rupiah) 9,24% 9,45% 9,37% Minimum Balance with Bank Indonesia (Rupiah) Posisi devisa neto Net Open Position 13,42% 6,58% 0,75% Annual Report 2013 • PT. BANK SINARMAS Tbk. 7 Grafik Ikhtisar Keuangan Financial Highlights Graphic 112,650 227,907 221,100 16.658.656 15.151.892 17.447.455 Laba Bersih Jumlah Aset Net Income Total Assets Dalam jutaan Rupiah Dalam jutaan Rupiah In million Rupiah In million Rupiah 2011 2012 2013 2011 2012 2013 511,637 780,192 826,360 14.287.584 12.668.515 14.562.067 Pendapatan Aset Produktif Bunga Bersih Earning Assets Net Interest Dalam jutaan Rupiah In million Rupiah Revenues Dalam jutaan Rupiah In million Rupiah 2011 2012 2013 2011 2012 2013 1,247,843 1,337,255 1,379,277 1.294.968 1.825.608 2.754.260 Beban Jumlah Ekuitas Operasional Total Equity Operating Dalam jutaan Rupiah Expenses In million Rupiah Dalam jutaan Rupiah In million Rupiah 2011 2012