LAPORAN TAHUNAN 2010 ANNUAL REPORT Mara Ke Hadapan Moving Forward KANDUNGAN CONTENTS
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LAPORAN TAHUNAN 2010 ANNUAL REPORT Mara Ke Hadapan Moving Forward KANDUNGAN CONTENTS 2 Rasional Kulit Hadapan/Cover Rationale 3 & 6 Misi, Visi, Objektif & Status Korporat/Mission, Vision, Objectives, & Corporate Status 7 Maklumat Korporat/Corporate Information 8 Penyataan Destinasi/Destination Statement 9 Piagam Pelanggan/Client Charter 10-13 Liputan Media/Media Highlights 16-37 Aktiviti-aktiviti Korporat/Corporate Activities 40-41 Anugerah & Penghargaan/Award & Recognition 42-43 Struktur Korporat/Corporate Structure 44-47 Perjalanan Tranformasi/Transformation Journey 48-51 Tinjauan & Halatuju/Overview & Direction Kepimpinan/Leadership 54-55 • Lembaga Pengarah/Board of Directors 56-70 • Profil Pengarah/Directors’ Profile 72-73 • Kumpulan Pengurusan Eksekutif/Executive Management Team (EMT) Wawasan/Insights 74-78 • Perutusan Pengerusi/Chairman’s Statement 80-84 • Perutusan Pengarah Urusan/Managing Director’s Statement Prestasi Kewangan/Financial Performance 86-87 • Analisis Kunci Kira-Kira/Balance Sheet Analysis 88 • Analisis Penyata Pendapatan/Income Statement Analysis 89-90 • Maklumat Kewangan/Financial Information 91-95 • Carta Kewangan/Financial Charts 96-110 Tinjauan Operasi/Review of Operations Kepercayaan & Amanah/Integrity & Trust 112-123 • Tadbir Urus Korporat/Corporate Governance 124-125 • Kawalan Dalaman/Statement of Internal Control 126-127 • Pematuhan/Compliance 128-135 • Pengurusan Risiko/Risk Management 136-142 Syariah/Shariah 144-161 Laporan Prestasi/Performance Report 162-175 Direktori Korporat/Corporate Directory 177-399 Penyata Kewangan/Financial Statements RASIONAL KULIT HADAPAN MISI, VISI, OBJEKTIF & STATUS KORPORAT COVER RATIONALE MISSION, VISION, OBJECTIVES & CORPORATE STATUS MISI MISSION Bank akan menyediakan perkhidmatan kewangan yang menyeluruh mengikut kehendak pasaran dan pelanggan secara kelestarian kewangan kepada kumpulan sasar yang tertentu seperti: The bank will provide financial services holistically according to market demands and customer needs through prudent financial management to: • Usahawan Tani/Agro-Entrepreneur • Usahawan Mikro, Kecil dan Sederhana Micro, Small and Medium Scale Entrepreneurs • Individu Persendirian/Individuals VISI VISION Untuk menjadi sebuah Bank yang menerajui bidang perbankan dengan memberi fokus kepada sektor pertanian. Mara Ke Hadapan Moving Forward To become a leading Bank with focus Bermula sebagai sebuah institusi kewangan yang menerajui From its humble beginnings as a financial institution specializing on the agricultural sector. bidang pertanian, Agrobank kini telah maju selangkah ke in the agricultural field, Agrobank has taken a step forward in hadapan dengan menawarkan perkhidmatan kewangan yang realizing its aspiration to becoming a one-stop financial service menyeluruh. Setiap perjalanan bermula dengan langkah pertama. centre. A journey begins with the first step. Moving forward, Melangkah ke hadapan, Agrobank memfokuskan kepada Agrobank is focused on continuous growth, whether it is pembangunan yang berterusan, sama ada menerusi increasing the number of branch networks or profits through penambahan bilangan rangkaian cawangan ataupun keuntungan multiple and sustainable revenue sources, whilst maintaining a melalui pelbagai sumber pendapatan yang mampan, sementara focus on agriculture. mengekalkan tumpuan kepada pertanian. 2 | AGROBANK LAPORAN TAHUNAN 2010 ANNUAL REPORT 3 | AGROBANK LAPORAN TAHUNAN 2010 ANNUAL REPORT Batas pertumbuhan tidak wujud kerana kapasiti kecerdasan, imaginasi dan sifat ingin tahu manusia tiada batasannya. There are no such things as limits to growth, because there are no limits to the human capacity for intelligence, imagination and wonder. Ronald Reagan MISI, VISI, OBJEKTIF & STATUS KORPORAT MAKLUMAT KORPORAT MISSION, VISION, OBJECTIVES & CORPORATE STATUS CORPORATE INFORMATION Objektif Objectives Lembaga Pengarah Board of Directors • Menyediakan perkhidmatan kewangan dan perbankan • Provides financial and banking services with a focus on the dengan fokus kepada sektor pertanian agricultural sector 1. TAN SRI FAIZAH MOHD TAHIR 9. DATIN RUZAINA WAN HANIFF Pengerusi Bebas Bukan Eksekutif/ Pengarah Bebas Bukan Eksekutif • Meningkat dan menggalakkan pembiayaan pertanian oleh • Upgrades and encourages agricultural financing by the Independent Non-Executive Chairman Independent Non-Executive Director sektor perbankan komersil commercial banking sector (Dilantik mulai 5 Ogos 2010/Appointed effective 5 August 2010) (Dilantik mulai 1 Mac 2011/Appointed effective 1 March 2011) • Menjadi salah satu agen bagi program pembangunan • To become one of the agents for the Government’s 2. DATO’ MOHAMED SALLEH BAJURI kerajaan development programme 10. ENCIK MD HILMI DATUK HAJI MD NOOR Pengerusi Bebas Bukan Eksekutif/ Pengarah Bebas Bukan Eksekutif • Menjadi pusat kepakaran pertanian • To become the centre of agricultural expertise Independent Non-Executive Chairman Independent Non-Executive Director (Berkhidmat sehingga 19 Jun 2010/In service until 19 June 2010) (Dilantik mulai 1 Mac 2011/Appointed effective 1 March 2011) • Menyediakan penarafan kredit pertanian • Provides credit rating for agriculture 3. ENCIK WAN MOHD FADZMI WAN OTHMAN FADZILAH 11. DATO’ CHE MOHD HASHIM ABDULLAH Status Korporat Corporate Status Presiden/Ketua Pegawai Eksekutif Pengarah Bukan Bebas Bukan Eksekutif President/Chief Executive Officer Non-Independent Non-Executive Director Bank Pertanian Malaysia telah dikorporatkan di bawah Akta Bank Pertanian Malaysia Berhad (BPMB) was registered and (Dilantik mulai 1 Julai 2011/Appointed effective 1 July 2011) (Dilantik mulai 2 Mei 2011/Appointed effective 2 May 2011) Syarikat 1965 dan didaftarkan atas nama Bank Pertanian incorporated under the Companies Act 1965. BPMB was Malaysia Berhad (BPMB). BPMB tertubuh apabila Rang formed when the BPMB Bill 2007 was passed on December 19, 4. DATUK AHMAD SAID 12. DATO’ MOHD HANIF SHER MOHAMED Pengarah Urusan/Managing Director Undang-Undang BPMB 2007 diluluskan pada 19 Disember 2007. BPMB which is also commercially known as Agrobank, is Pengarah Bebas Bukan Eksekutif (Berkhidmat sehingga 30 Jun 2011/In service until 30 June 2011) 2007. BPMB atau nama komersilnya Agrobank, adalah sebuah a government-linked bank (GLC) under the Ministry of Finance Independent Non-Executive Director (Berkhidmat sehingga 2 Jun 2010/In service until 2 June 2010) bank milik kerajaan (GLC) di bawah Menteri Kewangan Incorporated (MKD). However, funding for the agricultural sector 5. DATUK DR. SAHARAN HAJI ANANG Diperbadankan (MKD). Walaubagaimanapun, dasar pembiayaan is guided by policies set by the Ministry of Agriculture and the Pengarah Bebas Bukan Eksekutif 13. DATUK DR. ELIAS KADIR bagi sektor pertanian adalah berpandukan polisi yang ditetapkan Agro-Based Industry. Independent Non-Executive Director Pengarah Bebas Bukan Eksekutif oleh Kementerian Pertanian dan Industri Asas Tani. Independent Non-Executive Director 6. PUAN RASHIDAH MOHD SIES (Berkhidmat sehingga 2 Jun 2010/In service until 2 June 2010) Pengarah Bukan Bebas Bukan Eksekutif Non-Independent Non-Executive Director 14. DATO’ MOHD MOKHTAR ISMAIL (Dilantik mulai 8 Jun 2010/Appointed effective 8 June 2010) Pengarah Bukan Bebas Bukan Eksekutif Non-Independent Non-Executive Director 7. DATUK JOHAR CHE MAT (Berkhidmat sehingga 11 November 2010/ Pengarah Bebas Bukan Eksekutif In service until 11 November 2010) Independent Non-Executive Director (Dilantik mulai 1 Julai 2010/Appointed effective 1 July 2010) 15. DATUK DR. RAHAMAT BIVI YUSOFF Pengarah Bukan Bebas Bukan Eksekutif 8. ENCIK NG CHIH KAYE Non-Independent Non-Executive Director Pengarah Bebas Bukan Eksekutif (Berkhidmat sehingga 6 Mei 2010/In service until 6 May 2010) Independent Non-Executive Director (Dilantik mulai 8 Februari 2011/Appointed effective 8 February 2011) Pejabat Berdaftar Juruaudit Laman Web Registered Office Auditors Website Tingkat 12, Bangunan Setia 1 TETUAN DELOITTE KASSIM CHAN http://www.agrobank.com.my 15 Lorong Dungun Level 19, Uptown 1 Bukit Damansara Damansara Uptown 1 50490 Kuala Lumpur Jalan SS 21/58, 47400 Petaling Jaya Ibu Pejabat Selangor Darul Ehsan Head Office Tel : (603) – 7723 6500, 7726 1833 Bank Pertanian Malaysia Berhad Faks : (603) – 7726 3986, 7726 8986 Leboh Pasar Besar Web : http://www.deloitte.com.my Peti Surat 10815 50726 Kuala Lumpur Tarikh Diperbadankan Tel : (603)-2731 1600 Incorporated Faks : (603)-2691 4908 31 Mac 2008 di bawah Akta Syarikat 1965 31 Mac 2008 under the Companies Act 1965 6 | AGROBANK LAPORAN TAHUNAN 2010 ANNUAL REPORT 7 | AGROBANK LAPORAN TAHUNAN 2010 ANNUAL REPORT PENYATAAN DESTINASI PIAGAM PELANGGAN DESTINATION STATEMENT CLIENT CHARTER Kami dengan penuh amanah dan bertanggungjawab akan We are determined to ensure all of our customers receive memastikan semua pelanggan mendapat layanan yang mesra, friendly, impartial and impeccable services in line with saksama dan sempurna selaras dengan Wawasan dan Misi the Mission and Vision of Bank Pertanian Malaysia Berhad Bank Pertanian Malaysia Berhad (811810-U). (811810-U). Kami akan mengamalkan dan menghayati pengurusan We will practice and observe effective, scrupulous, committed berkesan, prihatin, komited serta responsif terhadap keperluan and responsive management of our customers’ overall needs pelanggan yang menyeluruh secara berterusan dengan: continuously by: Memberikan perkhidmatan kaunter secara ikhlas, Rendering courteous, efficient and reliable counter mesra, cepat dan tepat services UNTUK 1 1 MENJADI BANK TERKEMUKA DENGAN Memastikan urusan deposit dan pengeluaran tunai Ensuring