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SANGGAHAN DAN BATASAN TANGGUNG JAWAB Disclaimer SANGGAHAN DAN BATASAN TANGGUNG JAWAB Disclaimer Laporan Tahunan ini memuat pernyataan kondisi This Annual Report contains financial condition, keuangan, hasil operasi, proyeksi, rencana, strategi, operation results, projections, plans, strategies, policy, kebijakan, serta tujuan Perseroan, yang digolongkan as well as the Company’s objectives, which is classified sebagai pernyataan ke depan dalam pelaksanaan as forward-looking statements in the implementation Perundang-undangan yang berlaku, kecuali hal-hal of the applicable laws, excluding historical matters. yang bersifat historis. Pernyataan- pernyataan tersebut Such forward-looking statements are subject to known memiliki prospek risiko, ketidakpastian, serta dapat and unknown risks (prospective), uncertainties, and mengakibatkan perkembangan aktual secara material other factors that could cause actual results to differ berbeda dari yang dilaporkan. materially from expected results. Pernyataan-pernyataan prospektif dalam Laporan Prospective statements in this annual report are Tahunan ini dibuat berdasarkan berbagai asumsi prepared based on numerous assumptions concerning mengenai kondisi terkini dan kondisi mendatang current conditions and future events of the Company Perseroan serta lingkungan bisnis dimana Perseroan and the business environment where the Company menjalankan kegiatan usaha. Perseroan tidak conducts business. The Company shall have no menjamin bahwa dokumen-dokumen yang telah obligation to guarantee that all the valid documents dipastikan keabsahannya akan membawa hasil-hasil presented will bring specific results as expected. tertentu sesuai harapan. Laporan Tahunan ini memuat kata “Bank Jateng“ This Annual Report contains the word “Bank Jateng” or dan “Perseroan” yang didefinisikan sebagai PT Bank “the Bank" and "the Company”, hereinafter referred to Pembangunan Daerah Jawa Tengah yang menjalankan as PT Bank Pembangunan Daerah Jawa Tengah which bisnis di bidang Bank Pembangunan Daerah. conduct business as a Regional Development Bank. The Adakalanya kata “Perusahaan” juga digunakan word “We” is at times used to simply refer to PT Bank atas dasar kemudahan untuk menyebut PT Bank Pembangunan Daerah Jawa Tengah in general. Pembangunan Daerah Jawa Tengah secara umum. PTPT. BankBank PembangunanPembangunan DaerahDaerah JawaJawa TengahTengah Laporan Tahunan 2018 TENTANG LAPORAN TAHUNAN INI About Annual Report Selamat datang pada laporan tahunan 2018 Welcome to 2018 Annual Report of PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah Jawa Tengah dengan tema Jawa Tengah with the theme "Digital Transformation for the Best “Transformasi Digitalisasi untuk Pelayanan Terbaik”. Tema tersebut Service". This theme was selected based on review and fact from dipilih berdasarkan analisis dan kajian yang mendalam berdasarkan the development of the Company’s business throughout 2018 and fakta dan perkembangan bisnis Perseroan sepanjang tahun 2018 the future of the Company’s business development. serta masa depan keberlanjutan bisnis Perseroan. Laporan Tahunan 2018 PT Bank Pembangunan Daerah Jawa 2018 Annual Report of PT Bank Pembangunan Daerah Jawa Tengah Tengah menjadi sumber dokumentasi komprehensif yang is a source of comprehensive document containing information on berisikan informasi kinerja Perseroan dalam setahun. Informasi the Company’s performance in a year. The information contains tersebut memuat dokumentasi lengkap yang menggambarkan a complete document describing the profile of the Company; profil Perseroan; kinerja operasional, pemasaran, dan keuangan; marketing performance, operational and financial; As well as informasi tentang tugas, peran, serta fungsi struktural organisasi information on the duties, roles, and structural functions of the perusahaan yang menerapkan konsep best practices dan prinsip- organization of the Company that bestows the best practices prinsip corporate governance. concept of good corporate governance principles. Laporan Tahunan 2018 PT Bank Pembangunan Daerah Jawa The 2018 Annual Report of PT Bank Pembangunan Daerah Jawa Tengah disusun berdasarkan Peraturan Otoritas Jasa Keuangan Tengah was prepared pursuant to Regulation of Financial Services Nomor 29/POJK.04/2016 tentang Laporan Tahunan Emiten atau Authority No. 29/POJK.04/2016 regarding Annual Report of Perusahaan Publik dan Surat Edaran Otoritas Jasa Keuangan Nomor Issuer or Public Company and Circular Letter of Financial Services 30/SEOJK.04/2016 tentang Bentuk dan Isi Laporan Tahunan Emiten Authority No. 30/SEOJK.04/2016 regarding Form and Content of atau Perusahaan Publik. Annual Report of Issuer or Public Company. Tujuan utama penyusunan Laporan Tahunan ini adalah untuk The main purpose of this annual report is to improve information meningkatkan keterbukaan informasi Perseroan kepada otoritas disclosure to the relevant stakeholders and to become an annual terkait serta menjadi buku tahunan yang turut membangun rasa book that helps build pride and solidarity among employees. In bangga dan solidaritas di antara karyawan. Selain itu, Laporan addition, this annual report aims to build understanding and trust Tahunan ini juga bertujuan untuk membangun pemahaman dan in the Company by providing appropriate, balanced and relevant kepercayaan para pemegang saham dan pemangku kepentingan information. lainnya tentang Perseroan, melalui penyediaan informasi yang tepat, seimbang, dan relevan. Laporan Tahunan ini disajikan dalam dua bahasa, yaitu Bahasa This Annual Report is presented in two languages, namely Indonesia dan Bahasa Inggris dengan menggunakan jenis dan Indonesian Language and English using type and size of font that ukuran huruf yang mudah dibaca dan dicetak dengan kualitas yang are readable and printable with good quality. This Annual Report baik. Laporan Tahunan ini dapat dilihat dan diunduh di situs web can be seen and downloaded from the Company’s official website, resmi Perseroan yaitu www.bankjateng.co.id. namely www.bankjateng.co.id. PT.PT Bank Pembangunan Daerah Jawa Tengah 2018 Annual Report 1 2014 MEWUJUDKAN BANK JATENG SEBAGAI REGIONAL CHAMPION DI JAWA TENGAH Promoting Bank Jateng As Regional Champion of Central Java 2015 KOMITMEN TRANSFORMASI MENUJU REGIONAL CHAMPION Transformational Commitment towards Regional Champion 2016 BERBAGI BERSAMA, BERKELANJUTAN BERSAMA Share Together, Sustainable Together 2017 TUMBUH BERKELANJUTAN Growing Sustainably PT Bank Pembangunan Daerah Jawa Tengah 2 Laporan Tahunan 2018 KESINAMBUNGAN TEMA LAPORAN TAHUNAN Continuity of Theme 2018 TRANSFORMASI DIGITALISASI UNTUK PELAYANAN TERBAIK Digital Transformation for the Best Service Di tahun 2018, Bank Jateng memperkuat kapabilitasnya dalam mendukung pembangunan daerah melalui realisasi Transformasi BPD dengan menyasar pertumbuhan yang seimbang dan sehat secara berkelanjutan. Kontribusi Bank Jateng terhadap perekonomian daerah dan nasional disalurkan melalui peningkatan diversifikasi produk dan layanan perbankan, perbaikan kinerja DPK dan penyaluran kredit, penguatan jaringan dan sinergi dengan mitra bisnis, penyempurnaan kualitas governance, dan pemanfaatan fungsi pendukung bisnis yang lebih komprehensif. In 2018, Bank Jateng reinforces its capabilities in supporting regional development through the realization of BPD Transformation by targeting balanced and healthy growth in a sustainable manner. Bank Jateng's contribution to the regional and national economy is realized through increasing diversification of banking products and services, improving DPK and lending performance, strengthening networks and synergy with business partners, improving governance quality, and utilizing more comprehensive business support functions. PT Bank Pembangunan Daerah Jawa Tengah 2018 Annual Report 3 DAFTAR ISI Table of Contents Sanggahan dan Tanggung 52 Realisasi Penggunaan Dana 114 Produk dan Jasa Usaha Jawab Hasil Penerbitan Obligasi Products and Services Disclaimer Realization of the Use of 130 Struktur Organisasi 1 Tentang Laporan Tahunan Ini Proceeds from Public Offering Organizational Structure Rapat About Annual Report 52 Kebijakan dan Kronologi Umum Pemegang 2 Kesinambungan Tema Laporan Pembayaran Dividen 132 Profil Dewan Komisaris Tahunan Dividend Payment Policies and Board of Commissioners Profile Continuity of Theme Chronology 138 Profil Direksi 4 Daftar Isi 53 Kegiatan Investor Relation Board of Directors Profile Table of Contents Tahun 2018 150 Profil Pejabat Eksekutif dan Investor Relation Activity in Kepala Divisi 2018 Profile of Executive Officials and Heads of Divisions 01 155 Profil Kepala DPLK, Ketua Tim Kilas Kinerja 2018 APU PPT, Ketua Tim AMU dan Flashback Performance 2018 Restrukturisasi & Penyelesaian 02 Kredit, Ketua Tim Tata Kelola Laporan Manajemen & MR Terintegrasi dan Kepala 10 Kilas Kinerja Bank Jateng Management Report Bank Jateng Performance Pendidikan dan Pelatihan Highlights In 2018 Profile of Head of DPLK, Head 56 Laporan Dewan Komsaris 14 Ikhtisar Data Keuangan Penting of APU PPT Team, Team Leader Report by the Board of Key Financial Highlights of AMU and Restructuring & Commissioners 16 Grafik Ikhtisar Keuangan Settlement of Credit, Chairman 72 Laporan Direksi Chart of Financial Highlights of Integrated Mr & Governance Report by the Board of 22 Ikhtisar Operasional Team And Head of Education Directors Operational Highlights And Training 26 Peristiwa Penting Tahun 2018 157 Pendidikan dan/atau Pelatihan Significant Events in 2018 Dewan Komisaris, Direksi, 44 Penghargaan dan Sertifikasi Komite-Komite, Sekretaris Awards and Certifications Perusahaan, dan Unit Audit
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