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Laporan Tahunan 2012 annual report PT BANK INDEX SELINDO Daftar Isi Visi, Misi dan Nilai Perusahaan Content Vision, Mission and Company Values i Visi & Misi Vision & Mision 01 Ikhtisar Keuangan VisiVision Financial Highlights Menjadi Bank Retail Yang Sehat, Kuat dan Terpercaya Untuk 02 Sambutan Presiden Komisaris Memberikan Dukungan Terbaik Dalam Membangun Perekonomian Message from the President Commissioner Bangsa. 06 Sambutan Presiden Direktur To be a financially sound, strong and reliable retail bank committed to Message from the President Director developing the national economy. 10 Ikhtisar Peristiwa 2012 Events and Activities Highlights in 2012 12 Kinerja Keuangan Financial Performance 18 Tata Kelola Perusahaan Corporate Governance MisiMission 26 Pengelolaan Risiko Memberikan Dukungan Terbaik Bagi Usaha Anda. Risk Management To provide the best support for your business. 40 Kebijakan Manajemen dan Strategi Management’s Policy and Strategy Dukungan yang diberikan kepada nasabah diimplementasikan melalui 3 (tiga) panduan dasar operasional yang meliputi: 44 Laporan Manajemen Management Report • Selalu mengutamakan kualitas layanan kepada nasabah. • Selalu menjunjung nilai-nilai kejujuran, etika dan integritas. 57 Informasi Perusahaan • Selalu mengedepankan pendekatan yang lebih personal dan tulus. Corporate Information The support for customers is implemented through 3 (three) basic 74 Tanggung Jawab Pelaporan Keuangan operating guidelines, covering: Responsibility for Financial Reporting • Always prioritize quality when providing services to customers. • Always set a high value on honesty, ethics and integrity. 75 Laporan Auditor 2012 • Always present a more personalized and genuine approach 2012 Auditor’s Report PT. Bank Index Selindo Ikhtisar Keuangan 2012 Financial Highlights (jutaan Rupiah) (million Rupiah) Neraca 2012 2011 2010 2009 2008 Balance Sheet TOTAL AKTIVA 4.201.616 3.621.716 2.645.548 1.859.684 1.226.579 Total Assets VisiVision Kredit 3.274.803 2.732.237 1.954.546 1.239.712 886.039 Loans Efek-efek 327.860 195.049 42.541 406.218 201.599 Securities Menjadi Bank Retail Yang Sehat, Kuat dan Terpercaya Untuk Penempatan pada Bank Lain 91.600 196.505 165.300 71.100 2.300 Placements With Other Banks Memberikan Dukungan Terbaik Dalam Membangun Perekonomian Giro pada Bank Lain 40.157 27.852 16.518 4.684 2.881 Demand Deposits With other Bank Bangsa. Reverse Repo 35.403 129.251 210.097 - - Reverse Repo To be a financially sound, strong and reliable retail bank committed to developing the national economy. Dana Pihak Ketiga 3.693.837 3.198.770 2.396.039 1.680.636 1.080.686 Third Party Funds Giro 532.598 449.546 346.468 269.170 119.168 Demand Deposits Tabungan 365.126 323.235 275.989 199.091 220.877 Savings Simpaan Berjangka 2.796.113 2.425.989 1.773.581 1.212.375 740.641 Time Deposits Penempatan dari Bank Lain 26.784 79.523 5.560 10.585 - Deposits From Other Banks Jumlah Ekuitas 417.640 298.622 208.431 139.186 123.898 Shareholders Equity Mission Laporan Laba / Rugi Income Statement Misi Pendapatan Bunga 396.772 314.692 241.053 183.786 133.055 Interest Income Beban Bunga Interest Expense Memberikan Dukungan Terbaik Bagi Usaha Anda. (219.204) (188.827) (138.408) (99.838) (66.116) Pendapatan Bunga Bersih 177.568 125.865 102.645 83.948 66.939 Net Interest Income To provide the best support for your business. Pendapatan Operasional Lainnya 10.431 10.038 10.917 7.209 7.317 Other Operating Income Beban Operasional Lainnya (90.677) (98.299) (88.682) (70.253) (57.521) Other Operating Expense Dukungan yang diberikan kepada nasabah diimplementasikan melalui Laba Operasional 97.322 37.604 24.881 20.904 16.736 Income from Operations 3 (tiga) panduan dasar operasional yang meliputi: Pendapatan (Beban) Non Operasional 1.468 995 555 377 (107) Non- Operating Income (Expense) • Selalu mengutamakan kualitas layanan kepada nasabah. Laba Sebelum Pajak 98.790 38.599 25.436 21.281 16.629 Income Before Tax • Selalu menjunjung nilai-nilai kejujuran, etika dan integritas. Pajak Perseroan (24.772) (8.408) (6.190) (5.993) (5.264) Tax • Selalu mengedepankan pendekatan yang lebih personal dan tulus. Laba Bersih (Setelah Pajak) 74.018 30.191 19.246 15.288 11.365 Net Income The support for customers is implemented through 3 (three) basic operating guidelines, covering: Rasio Keuangan Financial Ratios Pemodalan Capital • Always prioritize quality when providing services to customers. CAR 11,57% 11,54% 12,82% 13,81% 16,24% Capital Adequacy Ratio (CAR) • Always set a high value on honesty, ethics and integrity. Ratio Aktiva Tetap Terhadap Modal 19,78% 21,22% 27,38% 42,27% 43,94% Fixed Assets to Equity Ratio • Always present a more personalized and genuine approach Rentabilitas Profitability Return On Assets (ROA) 2,45% 1,23% 1,12% 1,42% 1,51% Return On Assets (ROA) Return On Equity (ROE) 24,33% 12,57% 12,03% 12,19% 9,97% Return On Equity (ROE) Net Interest Margin (NIM) 4,89% 4,91% 4,92% 6,14% 6,92% Net Interest Margin (NIM) Biaya Operasional / Pendapatan 76,05% 88,42% 90,56% 89,06% 88,08% Operational Cost to Operational Operasional (BOPO) Income Ratio Likuiditas Liquidity Loan to Deposit Ratio (LDR) 88,66% 85,41% 81,36% 73,85% 81,99% Loan to Deposit Ratio (LDR) Aktiva Produktif Productive Assets NPL 0,17% 0,48% 0,06% 0,17% 0,52% Non Performing Loan (NPL) Ratio Ratio Pemenuhan PPAP 100% 100% 100% 103,06% 114,62% Uncollectible Assets Provision Coverage Ratio LAPORAN TAHUNAN 2012 ANNUAL REPORT 1 Sebagian besar target (pertumbuhan Kredit, Perolehan Laba, ROA, ROE, NIM, BOPO, NPL- gross/net dan LDR) yang ditetapkan dalam Rencana Bisnis 2012-2014 telah dapat dicapai. Most of the targets (Loans Growth, Profit, ROA, ROE, NIM, ROA, NPL-gross/net and LDR) as set out in the 2012-2014 Business Plan had been achieved. Sambutan Presiden Komisaris Message from the President Commissioner PT. Bank Index Selindo Para pemegang saham yang terhormat, Dear Shareholders, Di tengah perlambatan ekonomi global, In the midst of a global economic deceleration, stabilitas sistem keuangan Indonesia di tahun the stability of Indonesia’s financial system 2012 relatif tetap terjaga, dan sektor perbankan in 2012 was relatively maintained, and the mampu mempertahankan kinerja positif. Hal banking sector was able to maintain its good ini, selain tercermin pada ketahanan dalam performance. This condition is reflected in menghadapi krisis global, juga tercermin dari the resistance to the global crisis and in the peningkatan fungsi intermediasi, penghimpunan enhancement of banks’ intermediary function, dana pihak ketiga dan profitabilitas. rising third-party funds and profitability. Fungsi intermediasi perbankan secara umum In general, intermediary function of banks masih menunjukkan peningkatan dan dapat still showed an improvement and could be dipertahankan pada level yang aman untuk maintained at the safe level for the economy. perekonomian. Sampai akhir tahun 2012, Until the end of 2012, the national banking penyaluran kredit perbankan nasional telah loan disbursement reached Rp.1.890,4 mencapai Rp.1.890,4 trilyun, meningkat trillion, increased by Rp.395,9 trillion (26.5%) sebesar Rp.395,9 trilyun (26.5%) dibandingkan compared to 2011 at Rp.1.494,6 trillion. In posisi tahun 2011 sebesar Rp.1.494,6 addition, the third-party funds also made a trilyun. Selain itu, penghimpunan dana pihak significant growth. The amount of third party ketiga juga mengalami pertumbuhan yang funds raised by national banking by the end of menggembirakan. Jumlah dana pihak ketiga 2012 reached Rp.3.119,2 trillion, an increase yang berhasil dikumpulkan perbankan nasional of Rp.420,8 trillion (15.6%) compared to hingga akhir tahun 2012 telah mencapai December 2011 amount of Rp.2.698,4 trillion. Rp.3.119,2 trilyun, atau meningkat sebesar The national banking income also increased by Rp.420,8 trilyun (15,6%) dibandingkan posisi 23.7%, from Rp.75,1 trillion in 2011 to Rp.92,8 Desember 2011 sebesar Rp.2.698,4 trilyun. trillion in 2012. Perolehan jumlah laba perbankan nasional juga mengalami peningkatan sebesar 23,7%, yaitu dari Rp.75,1 trilyun pada tahun 2011 menjadi Rp.92,8 trilyun pada tahun 2012. Bank Index Bank Index Meskipun ada beberapa target yang ditetapkan Although some of the targets set for 2012 could untuk tahun 2012 tidak dapat dicapai dengan not be achieved successfully, but in general baik, namun secara umum pencapaian kinerja the achievement of Bank Index’s financial keuangan Bank Index tahun 2012 cukup performance in 2012 was quite encouraging. menggembirakan. Sebagian besar target Most of the targets (Loans Growth, Profit, ROA, (pertumbuhan Kredit, Perolehan Laba, ROA, ROE, NIM, ROA, NPL-gross/net and LDR) as ROE, NIM, BOPO, NPL-gross/net dan LDR) set out in the 2012-2014 Business Plan had yang ditetapkan dalam Rencana Bisnis 2012- been achieved. 2014 telah dapat dicapai. Total asset mengalami peningkatan 16% dari Total assets increased 16% from Rp.3.621,7 Rp.3.621,7 milyar pada tahun 2011 menjadi billion in 2011 to Rp.4.201,6 billion in 2012. In Rp.4.201,6 milyar pada tahun 2012. Secara percentage, the growth reached 98.5% of the persentase pertumbuhan tersebut mencapai target as set at Rp.4.263,5 billion. 98,5% dari target yang telah ditetapkan sebesar Rp.4.263,5 milyar. LAPORAN TAHUNAN 2012 ANNUAL REPORT 3 Pertumbuhan kredit selama tahun 2012 Loans growth during 2012 developed quite mengalami perkembangan yang cukup baik, well, either compared to its position at the end baik dibandingkan dengan posisi akhir tahun 2011 or the target achievement. Total loans 2011 maupun dari sisi pencapaian target. Total increased by 19.9%, from Rp.2.732,2 billion in Kredit yang diberikan mengalami peningkatan 2011 to Rp.3.274,8 billion at the end of 2012.
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