Tumbuh Bersama Untuk Wujudkan Harapan

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Tumbuh Bersama Untuk Wujudkan Harapan Annual Report Laporan Tahunan 2015 untuk Wujudkan Harapan untuk Wujudkan Bersama Tumbuh Laporan Tahunan Annual Report 2015 the Expectation together to Realize Growing Tumbuh Bersama untuk Wujudkan Harapan Growing together to Realize the Expectation Tumbuh Bersama Laporan Tahunan Annual Report 2015 untuk Wujudkan Harapan PT Bank SulutGO Growing together to Realize the Expectation Jln. Sam Ratulangi No. 9 Manado 95111 Telp. (0431) 861759 (Hunting) Fax. (0431) 854522 Home page www.banksulut.co.id LAPORAN TAHUNAN / ANNUAL REPORT 2015 1 Analisis & Pembahasan Manajemen Laporan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Management’s Discussion & Analysis Good Corporate Governance Report Corporate Social Responsibility Financial Statement Tumbuh Bersama untuk Wujudkan Harapan Growing Together to Realize the Expectation Kami percaya, melalui kerja keras dan cerdas yang konsisten, maka kami akan memenangkan persaingan dengan perusahaan lain. Namun, itu semua tidak akan berarti, jika tidak ada kebersamaan antara kami dengan anda. Tumbuh Bersama dengan saling melengkapi akan dapat mewujudkan tujuan akhir kita yakni mewujudkan masyarakat Sulut dan Gorontalo yang Hebat. Semangat itu haruslah terus dipupuk dan ditumbuhkan secara bersama, sehingga dapat mewujudkan harapan besar Bank SulutGo terhadap pertumbuhan ekonomi di Provinsi Sulut dan Gorontalo. We believe, through hard work and smart consistent, we will win the competition with other companies . However, it all will mean, if there is no togetherness between us and you . Growing Together with complementary will be able to realize our ultimate goal which is to create a Great society of North Sulawesi and Gorontalo. That spirit must continue to be nurtured and grown together, so as to realize the Bank SulutGo great expectations to economic growth in the province of North Sulawesi and Gorontalo. 2 LAPORAN TAHUNAN / ANNUAL REPORT 2015 Pendahuluan Laporan Manajemen Profil Perusahaan Tinjauan Pendukung Bisnis Preface Management’s Report Company Profile Business Supporting Review PENJELASAN TEMA EXPLANATION OF THE THEME Kesinambungan Tema Sustainability Theme ADVANCING PARTNERSHIP, ACHIEVING EXCELLENCE Memajukan Kemitraan Mencapai Kesempurnaan Langkah nyata dalam mencapai target Perusahaan dilaksanakan melalui pengembangan produk dan jasa layanan serta seluruh infrastruktur 2012 operasional melalui perluasan kemitraan dengan berbagai pihak. Bentuk kerja sama yang terlaksana selama tahun 2012 meliputi penyaluran pendanaan, dukungan sistem Teknologi Informasi serta dalam memperkuat penerapan Tata Kelola Yang Baik (Good Corporate Governance) di Bank SulutGo. A significant step in achieving the target company is carried out through the development of products and services as well as the entire operational infrastructure through the expansion of its partnership with the various parties. Forms of cooperation carried out during 2012 include the distribution of funding, the support of information technology systems as well as in strengthening the implementation of Good Governance (GCG) at the Bank SulutGo. GROWING IN REGIONAL DIVERSITY Bertumbuh dalam keanekaragaman Daerah Melalui strategi yang tepat dan terencana, Bank SulutGo akan dapat meningkatkan pertumbuhan Bank dan kesejahteraan masyarakat serta 2013 karyawan dan memberikan solusi untuk masa depan masyarakat Indonesia serta berdedikasi penuh terhadap para pemegang saham. Through the precise and well-planned strategy, the Bank SulutGo will be able to increase the growth and welfare of the community as well as employees and provide solutions for the future of the people of Indonesia as well as dedicated to shareholders. LAPORAN TAHUNAN / ANNUAL REPORT 2015 3 Analisis & Pembahasan Manajemen Laporan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Management’s Discussion & Analysis Good Corporate Governance Report Corporate Social Responsibility Financial Statement GROWING ALONG CULTURE DEVERSITY Bertumbuh bersama Ragam Budaya Bank SulutGo telah menjadi perusahaan yang mampu mengubah semangat dan keragaman kedaerahan menjadi kekuatan untuk menghadapi persaingan industri Perbankan yang semakin kompetitif guna mencapai pertumbuhan kinerja operasional dan keuangan berkelanjutan bersama masyarakat yang heterogen. Pertumbuhan adalah salah satu syarat suatu perusahaan untuk dapat memenangkan persaingan. Dalam mewujudkan pertumbuhan tersebut Bank SulutGo membutuhkan strategi. Manajemen telah mencanangkan tahun 2014 sebagai masa untuk tumbuh (growing) dalam rangka mempersiapkan Bank menjadi perusahaan yang terkemuka dan 2014 profesional. Bank SulutGo has become a company that is able to change the spirit and regional diversity into strength to face competition increasingly competitive banking industry in order to achieve growth in a sustainable operational and financial performance together with a heterogeneous society. Growth is one of the requirements of a company to be able to win the competition. In realizing such growth requires a strategy Bank SulutGo. Management has declared the year 2014 as a time to grow in order to prepare the Bank become a leading manufacturer and professional. 2015 TUMBUH BERSAMA UNTUK WUJUDKAN HARAPAN Annual Report Laporan Tahunan GROWING TOGETHER TO REALIZE THE EXPECTATION 2015 untuk Wujudkan Harapan untuk Wujudkan Bersama Tumbuh Laporan Tahunan Melalui strategi yang tepat dan terencana, Bank SulutGo akan dapat Annual Report 2015 meningkatkan pertumbuhan Bank dan kesejahteraan masyarakat serta karyawan dan memberikan solusi untuk masa depan masyarakat Indonesia serta berdedikasi penuh terhadap para pemegang saham. the Expectation together to Realize Growing Tumbuh Bersama untuk Wujudkan Harapan Through the precise and well-planned strategy,Growing togetherthe to Realize the ExpectationBank SulutGo will Tumbuh Bersama Laporan Tahunan be able to increase the growth and welfare of theAnnual Report community2015 as well as untuk Wujudkan Harapan PT Bank SulutGO Growing together to Realize the Expectation Jln. Sam Ratulangi No. 9 Manado 95111 employees and provide solutions for the future ofTelp. (0431)the 861759 (Hunting)people Fax. (0431) 854522 of Indonesia Home page www.banksulut.co.id as well as dedicated to shareholders. Daftar Isi Table of Contents TEMA & PENEJALASAN THEME & EXPLANATION 1 KESINAMBUNGAN TEMA SUSTAINABILITY THEME 2 DAFTAR ISI TABLE OF CONTENTS 4 PERFORMA PENTING IMPORTANT PERFORMANCE 6 IKHTISAR KEUANGAN FINANCIAL HIGHLIGHTS 8 KINERJA LABA RUGI PERFORMANCE OF INCOME 10 KINERJA RASIO PERFORMANCE RATIOS 12 IKHTISAR EFEK LAINNYA SUMMARY OF OTHER EFFECTS 14 LAPORAN DEWAN KOMISARIS LAPORAN MANAJEMEN 18 REPORT OF THE BOARD OF COMMISSIONERS MANAGEMENT REPORT 16 LAPORAN DIREKSI 26 REPORT OF THE BOARD OF DIRECTORS PROFIL DEWAN KOMISARIS 42 PROFILE OF BOARD OF COMMISSIONERS PROFIL ANGGOTA DIREKSI 46 PROFILE OF BOARD OF DIRECTORS SURAT PERNYATAAN 51 STATEMENT LETTER IDENTITAS PERUSAHAAN 54 COMPANY IDENTITY BIDANG USAHA 55 BUSINESS FIELDS LOGO DAN MAKNA LOGO 65 PROFIL PERUSAHAAN LOGO AND LOGO MEANING COMPANY PROFILE VISI DAN MISI 52 66 VISION AND MISSION RANGKAIAN KEGIATAN PENTING SELAMA TAHUN 2015 67 CIRCUITS IMPORTANT EVENTS DURING THE YEAR 2015 PENGEMBANGAN SUMBER DAYA MANUSIA 128 HUMAN RESOURCE DEVELOPMENT TEKNOLOGI INFORMASI 126 145 INFORMATION TECHNOLOGY SUMBER DAYA MANUSIA HUMAN RESOURCES URAIAN PERTUMBUHAN EKONOMI DAN PERKEMBANGAN PERBANKAN 154 DESCRIPTION OF ECONOMIC GROWTH AND DEVELOPMENT OF BANKING URAIAN KINERJA 162 DESCRIPTION PERFORMANCE 152 URAIAN ASPEK PEMASARAN 182 DESCRIPTION ASPECT MARKETING URAIAN KINERJA KEUANGAN 2015 189 DESCRIPTION OF FINANCIAL PERFORMANCE 2015 “ANALISA DAN PEMBAHASAN KINERJA ANALISA LABA RUGI BANK OLEH MANAJEMEN” 199 ANALYSIS OF INCOME “DISCUSSION AND ANALYSIS OF PERFORMANCE BANK MANAGEMENT “ PROSPEK USAHA PERUSAHAAN 224 PROSPECTS COMPANY LAPORAN GCG 230 GCG REPORT STRUKTUR GCG Bank SulutGo 235 GCG STRUCTURE Bank SulutGo DEWAN KOMISARIS 277 BOARD OF COMMISSIONERS KOMITE REMUNERASI DAN NOMINASI 313 REMUNERATION AND NOMINATION COMMITTEE 228 DIREKSI LAPORAN TATA KELOLA PERUSAHAAN 321 CORPORATE GOVERNANCE REPORT DIRECTORS 462 487 REFERENSI LAPORAN TAHUNAN REFERENCE ANNUAL REPORT LAPORAN CORPORATE SOCIAL RESPONSIBILITY LAPORAN KEUANGAN CORPORATE SOCIAL RESPONSIBILITY REPORT FINANCIAL STATEMENTS 6 LAPORAN TAHUNAN / ANNUAL REPORT 2015 Pendahuluan Laporan Manajemen Profil Perusahaan Tinjauan Pendukung Bisnis Preface Management’s Report Company Profile Business Supporting Review Performa Penting KEY PERFORMANCE Meskipun dalam kondisi perekonomian yang lesu, namun Bank SulutGo tetap mampu memberikan kontribusi bagi daerah, dengan berperan aktif sebagai lembaga financial intermediary dalam rangka meningkatkan taraf hidup rakyat banyak, serta memberikan deviden bagi pendapatan asli daerah. Despite the sluggish economy, but the Bank SulutGo still able to contribute to the region, with an active role as a financial intermediary institutions in order to improve the standard of living of the people, and provide dividends to regional revenue. ASET ASSET 0,10% Pada tahun 2015 Bank SulutGo berhasil membukukan Aset sebesar Rp10,736,801 juta atau meningkat sebesar 0,10% dibanding tahun 2014 sebesar Rp.10.726.425 juta. 5,298,034 6,548,587 7,805,462 10,726,425 10,736,801 In 2015, the Bank SulutGo recorded Assets amounted to 2011 2012 2013 2014 2015 Rp10,736,801 million, an increase of 0.10% compared to the year 2014 at Rp.10.726.425 million. Dalam Juta Rupiah In million Rupiah KREDIT YANG DIBERIKAN LENDING 16,46% Kredit yang diberikan pada tahun
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