Laporan Tahunan Bank Maluku

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Laporan Tahunan Bank Maluku 2012 Laporan Tahunan Bank Maluku • BERUBAH MENJADI LEBIH BAIK • TRANSFORMED TO BE BETTER Bank Maluku telah memasuki era transformasi Bank Maluku has entered an era of transformation Era baru dalam pengembangan jati diri merubah a new era in the development of identity mimpi menjadi kenyataan change dream into reality Tak mudah merubah sebuah paradigma yang It is not easy to change a paradigm the common menjadi cita-cita bersama dengan dinamika yang goal with di erent dynamics berbeda Berubah Menjadi Lebih Baik Meniti asa menjadi Changed for the Better Climbing up into the Jawara di Maluku maupun Maluku Utara Sebagai champs in Maluku and North Maluku as Regional Champion Bank Regional Champion Bank. Laporan Tahunan PT Bank Pembangunan Daerah Maluku Tahun 2012 Annual Report 2012 PT Bank Pembangunan Daerah Maluku TRANSFORMED TO BE BETTER Daftar Isi Table of Content PEMBUKAAN 1 OPENING Nilai – Nilai Budaya Kerja PT. Bank Maluku 4 Value - Value of Cultural Work PT. Bank Maluku - Kepercayaan 4 - Confi dence - Integritas 4 - Integrity - Profesional 4 - Professional - Melayani 4 - Serve - Komitmen 4 - commitment - Disiplin 4 - Discipline - Kerjasama 4 - Cooperation Visi dan Misi 6-7 Vision and Mission Motto 8 Motto Makna Logo 9 Meaning Logo LAPORAN MANAJEMEN 10 MANAGEMENT REPORT Laporan Direksi 10 Report of the Board of Directors Laporan Dewan Komisaris 20 Report of the Board of Commissioners PROFIL PERUSAHAAN 26 COMPANY PROFILE Identitas Perusahaan 27 Company identity Sejarah Singkat 28 A Brief History Ikhtisar Keuangan 30 Financial Highlights Informasi Tentang Pemegang Saham 32 Information on Shareholders Perkembangan Kepemilikan Saham 41 Development of Shareholding Perkembangan Setoran Modal 67 Development of Capital Deposit Rangkaian Kegiatan Tahun 2012 70 The series of activities in 2012 Produk dan Jasa 74 Products and Services Data Jaringan Operasional Bank Maluku Tahun 81 Bank Maluku Operational Network Year 2012 2012 PROFIL MANAJEMEN 86 MANAGEMENT PROFILE Profi l Dewan Komisaris 86 Board of Commissioners Profi le Profi l Direksi 92 Profi le of Directors Profi l Pejabat Eksekutif 98 Executive Profi le Pemimpin Cabang 108 Branch Pemimpin Cabang Pembantu 108 Branch Leader Struktur Organisasi 108 Organizational structure Penghargaan dan Sertifi kasi 111 Awards and Certifi cations 2 Laporan Tahunan PT Bank Pembangunan Daerah Maluku Tahun 2012 Annual Report 2012 PT Bank Pembangunan Daerah Maluku LAPORAN KINERJA 112 PERFORMANCE REPORT Analisa Pembahasan Kinerja oleh Manajemen 112 Management’s Discussion Analysis Performance Aktivitas Intermediasi 118 Intermediation Activities - Penghimpunan Dana 118 - Fund raising - Penyaluran Dana 130 - Disbursement - Perkembangan Hasil Operasional 139 - Development of Operational Results - Rasio Keuangan 145 - Financial Ratios Perkembangan Jaringan Kantor 152 Developments O ce Network Perkembangan Sumber Daya Manusia 154 Development of Human Resources - Peningkatan Kualitas SDM 156 - HR Quality Improvement - Program Sertifi kasi Manajemen Risiko 156 - Risk Management Certifi cation Program - Program Pendidikan dan Pelatihan 157 - Education and Training - Penerapan Sistem Informasi Manajemen 165 - Personnel Management Information System Pegawai Implementation - Peningkatan Kesejahteraan Pegawai 165 - Increased Employee Welfare - Reward and Punishment 166 - Reward and Punishment - Rekruitmen Pegawai Baru 167 - Recruitment of New Employees - Pegawai Outsourcing 167 - employee Outsourcing Pengembangan Teknologi Informasi dan 167 Development of Information Technology and Operasional Bank Bank Operations - Rencana Pengembangan Jaringan Eksisting 170 - Existing Network Development Plan - Rencana Strategis Teknologi Informasi dalam 170 - Strategic Plan for Information Technology in Pengembangan Bisnis Bank Maluku the Bank Maluku Business Development LAPORAN PELAKSANAAN GCG 172 REPORT OF GCG MANAJEMAN RISIKO 209 Risk Management LAPORAN KEUANGAN FINANCIAL STATEMENTS Laporan Tahunan PT Bank Pembangunan Daerah Maluku Tahun 2012 3 Annual Report 2012 PT Bank Pembangunan Daerah Maluku TRANSFORMED TO BE BETTER Nilai-Nilai Budaya kerja PT. Bank Maluku Work Cultural Values of PT. Bank Maluku Nilai budaya perusahaan The value of corporate culture • KEPERCAYAAN • Trust Membangun keyakinan dan kepercayaan yang Build confi dence and good faith between baik diantara stakeholders maupun shareholders stakeholders as well as shareholders and serta pemangku kepentingan dalam hubungan stakeholders in an open and sincere relationship yang tulus dan terbuka serta dibangun secara professionally and built. professional. • INTEGRITAS • Integrity Setiap saat berpikir, berkata, bertindak dan Every moment think, say, act and behave berperilaku terpuji. Menjaga martabat serta commendable. Maintain dignity and uphold the menjunjung tinggi kode etik profesi Bank professional code of ethics Bank Indonesia. Indonesia. • PROFESIONAL • Professional Menjalankan tugas sesuai dengan keahlian, Do its duties in accordance with the expertise, ketrampilan dan pengetahuan dibidangnya skills and knowledge in their fi eld to achieve the untuk mencapai kinerja terbaik dengan tetap best performance while still upholding the code of menjunjung tinggi kode etik Bankir Indonesia. ethics of Indonesian Bankers. • MELAYANI • Serving Memberikan pelayanan terbaik kepada seluruh Providing the best service to all customers with a nasabah dengan sikap ramah, sopan, tulus dan friendly attitude, polite, sincere and humble so as rendah hati sehingga dapat memberikan kepuasan to provide maximum satisfaction. maksimal. • KOMITMEN • Commitment Menjunjung tinggi nilai-nilai yang disepakati dan Upholding the values agreed and responsible with bertanggung jawab dengan sepenuh hati. a vengeance. • DISIPLIN • Discipline Melaksanakan tugas secara tepat waktu, tepat Carry out duties in timely, e ective and appropriate guna dan tepat manfaat. benefi ts. • KERJASAMA • Teamwork Kerjasama yang dilandasi semangat saling Cooperation based on mutual respect and a spirit menghargai dan menghormati untuk mencapai of respect to achieve the best results. hasil yang terbaik. 4 Laporan Tahunan PT Bank Pembangunan Daerah Maluku Tahun 2012 Annual Report 2012 PT Bank Pembangunan Daerah Maluku Laporan Tahunan PT Bank Pembangunan Daerah Maluku Tahun 2012 5 Annual Report 2012 PT Bank Pembangunan Daerah Maluku TRANSFORMED TO BE BETTER Visi, Misi & Tujuan Perusahaan Vision, Mission & Corporate Objectives Dalam rangka menetapkan arah dan kebijakan dalam In order to determine the direction and policies in mengembangkan operasional serta menetapkan developing operational and strategic steps to establish langkah strategis menjadi Bank Maluku sebagai Bank the Bank Maluku as the Regional Champion Bank, Regional Champion, maka telah dilakukan reformulasi it has been done reformulation Bank Maluku Vision Visi dan Misi Bank Maluku sesuai Surat Keputusan and Mission Board of Directors of the Decree. Bank Direksi PT. Bank Maluku nomor : DIR/098/KP tanggal Maluku number: DIR/098/KP dated 10 September 10 September 2012 tentang Reformulasi Visi dan Misi 2012 concerning reformulated Vision and Mission PT. PT. Bank Pembangunan Daerah Maluku. Bank Pembangunan Daerah Maluku. Penjabaran Visi dan Misi Bank Maluku adalah sebagai Translation of Vision and Mission Bank Maluku are as berikut : follows: VISI Vision Menjadi Bank Komersial terkemuka di daerah Being the leading Commercial Bank in the area melalui produk dan layanan kompetitif dengan through competitive products and services with a jaringan yang luas dan dikelola secara profesional wide network and managed professionally in order dalam rangka mendorong pertumbuhan ekonomi to encourage regional economic growth. regional. • Menjadi Bank Komersial terkemuka di daerah, • Being the leading Commercial Bank in the region, mampu menjadi bank yang dikenal luas oleh capable of being a bank known by the people in masyarakat di Provinsi Maluku dan Provinsi the Provinces of Maluku and North Maluku, can Maluku Utara, dapat berkembang secara wajar develop naturally and compete to create the dan berkompetisi guna menciptakan kinerja dan performance and fi nancial ratios is good, with rasio keuangan yang baik, dengan penerapan the implementation of risk management and pengendalian risiko dan Good Corporate good corporate governance in stages in all levels Governance secara berjenjang pada seluruh of the organization, implementation, monitoring tingkatan organisasi, melakukan implementasi, and evaluation and corrective measures in a monitoring dan evaluasi serta langkah-langkah comprehensive manner. korektif secara komprehensif. • Produk dan layanan kompetitif, untuk menjadi • Products and services competitively, to become bank yang dikenal luas dan terkemuka, maka a well-known banks and leading, it needs to perlu ditunjang dengan produk berupa jasa dan be supported by the product in the form of layanan perbankan terbaik bagi masyarakat services and the best banking services to the dan Pemerintah Daerah melalui produk dan community and local government through the layanan perbankan mampu berkompetisi dengan banking products and services to compete with produk dan layanan bank lain. Inovasi produk other bank products and services. Innovation of dan jasa layanan dilakukan secara terus menerus products and services carried out continuously dengan meningkatkan kualitas sumber daya by improving the quality of human resources in manusia dalam rangka mengembangkan produk order to develop products and services that fi t dan layanan yang sesuai dengan kebutuhan the needs of the community as
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