2016annual report

Optimalisasi Sumber Daya Manusia dan Teknologi untuk Layanan Unggul
O ptim
ptim alisasi Sum
Laporan Tahunan 2016 Annual Report PT. Bank Sinarmas Tbk.
LAPORAN TAHUNAN ANNUAL REPORT2016
PT. Bank Sinarmas Tbk. Sinar Mas Land Plaza, Floor 1-2 Jl. MH. Thamrin No. 51 Jakarta 10350 T : (+6221) 3199 0101 F : (+6221) 3199 0401
www.banksinarmas.com
laporan tahunan ini memuat pernyataan kondisi keuangan, hasil operasi, proyeksi, rencana, strategi, kebijakan, serta tujuan Perseroan, yang digolongkan sebagai pernyataan ke depan dalam pelaksanaan Perundang-undangan yang berlaku, kecuali hal-hal yang bersifat historis. Pernyataan- pernyataan tersebut memiliki prospek risiko, ketidakpastian, serta dapat mengakibatkan perkembangan aktual secara material berbeda dari yang dilaporkan.
Pernyataan-pernyataan prospektif dalam laporan tahunan ini dibuat berdasarkan berbagai asumsi mengenai kondisi terkini dan kondisi mendatang Perseroan serta lingkungan bisnis di mana Perseroan menjalankan kegiatan usaha. Perseroan tidak menjamin bahwa dokumen-dokumen yang telah dipastikan keabsahannya akan membawa hasil-hasil tertentu sesuai harapan.
laporan tahunan ini memuat kata “Bank sinarmas“ dan “Perseroan” yang didefinisikan sebagai Pt. Bank sinarmas tbk. yang menjalankan bisnis dalam bidang perbankan. adakalanya kata “Perusahaan” dan “Bank” juga digunakan atas dasar kemudahan untuk menyebut Pt. Bank sinarmas tbk. secara umum.
This annual report contains the financial condition, operation results, projections, plans, strategies, policy, as well as the Company’s objectives, which are classified as forward- looking statements in the implementation of the applicable laws, excluding historical matters. Such forward-looking statements are subject to known and unknown risks (prospective), uncertainties, and other factors that could cause actual results to different materially from expected results.
Prospective statements in this annual report are prepared based on numerous assumptions concerning current conditions and future events of the Company and the business environment where the Company conducts business. The Company shall have no obligation to guarantee that all the valid documents presented will bring specific results as expected.
This annual report contains the word “Company” and “Bank Sinarmas” here in after referred to PT. Bank Sinarmas Tbk., as the company that runs its business in the banking industry.This annual Report contains the word “company”, Bank Sinarmas and “Bank”
TenTang laporan Tahunan
Bank sinarmas 2016
aBout Bank sinarmas 2016 annual rePort
selamat datang pada laporan tahunan 2016 Pt. Bank sinarmas tbk. dengan tema “optimalisasi sumber Daya manusia dan teknologi untuk layanan unggul”. tema tersebut dipilih berdasarkan analisis dan kajian yang mendalam berdasarkan fakta dan perkembangan bisnis perbankan sepanjang 2016 serta masa depan keberlanjutan bisnis Bank sinarmas.
laporan tahunan 2016 Pt. Bank sinarmas tbk. diterbitkan sesuai dengan Peraturan otoritas Jasa keuangan no. 6/PoJk.03/2015 tentang transparansi dan Publikasi laporan Bank dan juga keputusan ketua Badan Pengawas Pasar modal dan lembaga keuangan 431/Bl/2012 Peraturan no. X.k.6 tentang kewajiban Penyampaian laporan tahunan Bagi emiten atau Perusahaan Publik serta surat edaran otoritas Jasa keuangan nomor 30/seoJk.04/2016 tentang Bentuk dan isi laporan tahunan emiten atau Perusahaan Publik.
Penyebutan satuan mata uang “rupiah”, “rp” atau iDr merujuk pada mata uang resmi republik indonesia, sedangkan “Dollar as” atau usD merujuk pada mata uang resmi amerika serikat. semua informasi keuangan disajikan dalam mata uang rupiah sesuai dengan standar akuntansi keuangan indonesia.
laporan tahunan Bank sinarmas 2016 disajikan dalam dua bahasa yaitu Bahasa indonesia dan Bahasa inggris dengan menggunakan jenis dan ukuran huruf yang mudah dibaca dan dicetak dengan kualitas yang baik. laporan tahunan ini dapat dilihat dan diunduh di website resmi Bank sinarmas yaitu www.banksinarmas.com.
Welcome to 2016 annual report of PT. Bank Sinarmas Tbk. with the theme “Optimizing People and Technology for Excellence Service”. This theme was selected based on in-depth analysis and studies of banking business facts and development throughout 2016 and Bank Sinarmas’ future business development.
The PT. Bank Sinarmas Tbk. 2016 Annual Report is published in accordance with Financial Services Authority Regulation No.6/POJK.03/2015 on Transparency and Publication of Bank’s Report, and the Head of Capital Market Supervisory Board and Financial Institutions Decision 431/BL/2012 Regulation No. X.K.6 on the Obligation to Submit Annual Reports for Issuers or Public Companies as well as Financial Services Authority Circular No. 30/SEOJK.04/2016 on the Issuer or a Public Company Annual Report Form and Content.
The currency “Rupiah”, “Rp” or IDR throughout this report refers to the official currency of the Republic of Indonesia, while “US Dollar” refers to the official currency of the USA. All financial information is presented in the Rupiah currency in accordance with Indonesian Financial Accounting Standards.
The 2016 Bank Sinarmas Annual Report is presented bilingually, both in the Indonesian and English Languages, using a font type and size that is easily read, and is printed in good quality. This Annual Report can be read and downloaded from the official website of Bank Sinarmas, on www.banksinarmas.com.
turun dari 2,99% di 2015
menjadi 1,47% di 2016
to 1,47% in 2016
menjadi 2,10% di 2016
to 2,10% in 2016
10.495 rekenInG
rp1,26 MILIar
Breaking World Record-Indonesia (MURI) As the Organizer Supporting the Creation of most
Sharia Mutual Fund Investors in one district
MeMecahkan rekor dunIa-IndonesIa (MurI)
dalam satu kabupaten
berada pada peringkaT
RAnkInG “Good”
Champion iii ANNUAL REPORT
OJK, BI, IAI, MoF, KNKG, IDX, SOE
Laba bersIh unIt usaha
IsLaMIc busIness unIt's net ProfIt JuMPed from Rp1.11 billion to
Rp69.16 billion
net ProfIt
Tahun 2016 bank Sinarmas berhasil mencatatkan pertumbuhan laba bersih yang sangat baik, yaitu meningkat dua kali lipat dibandingkan laba bersih tahun sebelumnya, dari rp185,15 miliar tahun 2015 menjadi rp370,65 miliar.
in 2016 Bank sinarmas successfully recorded a very good net profit growth that has double the previous year from a net profit of rp185.15 billion in 2015 to rp370.65 billion.
laba Bersih 2016 | net Profit 2016
100,19% rp370,65 miliar
fiTur 1. informasi rekening l informasi saldo l mutasi rekening
2. Transfer : l Bank sinarmas l Bank lain l uangku
3. pembelian : (kategori prabayar) l mobile Phone (telkomsel,smartfren
telco, indosat ooredoo, Xl/aXis, Bakrie telecom, hutch)
l Other Purchase (Entertainment - cgV Blitz)
l tV Cable Voucher (orange tV, genflix)
4. pembayaran : l Mobile Phone (smartfren telco,
Xl/aXis, Bakrie telecom, hutch, telkomsel - halo, telkom grup - Flexy)
l Insurance (asuransi sinarmas) l Installment (simas Finance) l Other (telkom grup - speedy,
indovision/okevision/top tV, iPl BsD, BsD Junction, itc BsD & malibu, iPl grand wisata, itc surabaya, nexmedia, topas tV, Baznas - Baznas Zakat, Baznas infaq, First media, itc Depok, itc Permata hijau, legenda wisata cibubur, kota Bunga )
l Public (telkom grup - Pstn, Pam PalYJa)
l ticket (lion air, ocean Park) l Bayar Pakai Qr / Pay By Qr l Promo Bayar Pakai Qr / Promo Pay
By Qr 5. Bayar pakai Qr
FEATuRES 1. Account Information l Balance Information l Account Transfer
2. Transfer l Bank Sinarmas l Other Bank l UANGKU
3. Purchase: (Prepaid Category) l Mobile Phone (Telkomsel,Smartfren
Telco, Indosat Ooredoo, XL/AXIS, Bakrie Telecom, Hutch)
l Other Purchase (Entertainment - CGV Blitz)
l TV Cable Voucher (Orange TV, Genflix)
4. Payment: l Mobile Phone (Smartfren Telco,
XL/AXIS, Bakrie Telecom, Hutch, Telkomsel - Halo, Telkom Grup - Flexy)
l Insurance (Sinarmas Insurance) l Installment (Simas Finance) l Other (Telkom Grup - Speedy,
Indovision/Okevision/Top TV, IPL BSD, BSD Junction, ITC BSD & Malibu, IPL Grand Wisata, ITC Surabaya, Nexmedia, Topas TV, Baznas - Baznas Zakat, Baznas Infaq, First Media, ITC Depok, ITC Permata Hijau, Legenda Wisata Cibubur, Kota Bunga )
l Public (Telkom Grup - PSTN, PAM PALYJA)
l Ticket (Lion Air, Ocean Park) l Pay By QR l Promo Pay By QR
5. Pay with QR
Internet Banking di Smartphone.`
transactions on the Smartphone.
regisTrasi Smartphone
REGISTRATIon Smartphone
fiTur 1. informasi rekening l informasi saldo l informasi Detail rekening l mutasi rekening
2. Transfer dana l transfer Bank sinarmas (Immediate,
Future Dated, Reccurring) l transfer Bank lain (skn, rtgs,
Jaringan) (Immediate, Future Dated, Reccurring)
l transfer ke uangku (Immediate, Future Dated, Reccurring)
3. pembayaran / pembelian : l layanan umum (Pam aetra
Jakarta, Pam Palyja, PDam, Pln Non Taglis, Pln Postpaid, Pln Prepaid, Penerimaan negara)
l ticket/hiburan (cgV Blitz, kai, lion air)
l Handphone/telepon (esia Postpaid, smartfren Postpaid, telkom Flexi, telkom Pstn, telkomsel Postpaid, three Postpaid, Xl/aXis Postpaid)
l isi Pulsa (esia Prepaid, indosat ooredoo Prepaid, smartfren Prepaid, telkomsel Prepaid, three Prepaid, Xl mDs, Xl/aXis Prepaid)
l tV kabel / Internet (aora tV, Firstmedia, genflix, indovision/ okevision/top tV, kVision Prepaid, nexmedia, orange tV, skynindo Prepaid, telkom speedy, topas tV)
l asuransi (asuransi sinarmas) l kartu kredit (kartu kredit Bank
sinarmas) l Virtual Account l Bayar lainnya (BsD Junction, Baznas
infaq & shadaqah, Baznas Zakat, grand wisata, iPl BsD, itc BsD,
itc Depok, itc Permata hijau, itc surabaya, legenda wisata cibubur, ocen Park, simas Finance, travel agen lion air)
4. pengaturan l ubah Password l menghubungkan/memutuskan l Daftar transfer l Daftar Pembayaran tagihan l Daftar Autodebet l Daftar Autodebet / Threshold l layanan notifikasi sms dan email l Permintaan token l aktivasi token l informasi cetak token Pln l Penutupan rekening Online l tema
5. pembukaan rekening online (deposito & rekening Tabungan)
6. pembukaan rekening online syariah (deposito & rekening Tabungan)
7. informasi kartu kredit l menghubungkan/memutuskan l informasi kartu kredit l rincian transaksi l rincian tagihan l Blokir kartu l ubah limit l Pengaturan kartu
8. riwayat Transaksi l History transaksi l History transaksi Fund Transfer
9. kurs 10. lokasi aTm 11. informasi produk investasi: reksadana & Bancassurance 12. kontak kami 13. keluar
FEATuRES 1. Account Information l Balance Information l Detailed Account Information l Account Mutation
2. Funds Transfer l Bank Sinarmas Transfer (Immediate,
Future Dated, Reccurring) l Other Bank Transfer (SKN, RTGS,
l Uangku Transfer (Immediate, Future Dated, Reccurring)
3. Payment / Purchase: l Public Service (PAM AETRA Jakarta,
PAM Palyja, PDAM, PLN Non Taglis, PLN Postpaid, PLN Prepaid, State Revenue)
l Ticket/Entertainment (CGV Blitz, KAI, Lion Air)
l Hand phone/Telephone (Esia Postpaid, Smartfren Postpaid, Telkom Flexi, Telkom PSTN, Telkomsel Postpaid, Three Postpaid, Xl/AXIS Postpaid)
l Reload Phone Credit (Esia Prepaid, Indosat Ooredoo Prepaid, Smartfren Prepaid, Telkomsel Prepaid, Three Prepaid, XLMDS, XL/AXIS Prepaid)
l Cable TV/ Internet (Aora TV, Firstmedia, Genflix, Indovision/ Okevision/TOP TV, KVision Prepaid, Nexmedia, Orange TV, Skynindo Prfepaid, Telkom Speedy, Topas 5 TV)
l Insurance (Sinarmas Insurance) l Credit Card (Sinarmas Bank Credit
Card) l Virtual Account l Other Payment (BSD Junction,
Baznas Infaq & Shadaqah, Baznas
Zakat, Grand Wisata, IPL BSD, ITC BSD, ITC Depok, ITC Permata Hijau, ITC Surabaya, Legenda Wisata Cibubur, Ocen Park, Simas Finance, Travel Agen Lion Air)
4. Settings l Change Password l Connect / Disconnect l Transfer List l Bill Payment List l Autodebit List l Autodebit List/ Threshold l Notification SMS Service and Email l Token Request l Token Activation l Information Token PLN Print l Online Account Closing l Theme
5. online Account opening (Time deposits and Savings Account)
6. Sharia online Account opening (Time deposits & Savings Account)
7. Credit Card Information l Connect / Disconnect l Credit Card Information l Detailed Transaction l Detailed Bill l Block Cards l Change the limit l Card Settings
8. Transaction History l Transaction History l Transaction History Fund Transfer
9. Exchange Rate 10. ATM Location 11. Information on Investment Products:
Mutual Funds & Bancassurance 12 Contact us 13. Exit
keunggulan advanTages l muDah Dapat diakses
melalui smartphone
l EASY Can be accessed
via smartphone
regisTrasi Download aplikasi simobiPlus di google Play atau app store
Website Bank sinarmas mesin atm Bank sinarmas
REGISTRATIon Download SimobiPlus application on Google Play or App Store
Bank Sinarmas Website Bank Sinarmas ATM Machine
1. informasi rekening l informasi saldo l informasi Detail rekening l mutasi rekening
2. Transfer dana l transfer Bank sinarmas (Immediate,
Future Dated, Reccurring) l transfer Bank lain (skn, rtgs,
l transfer ke uangku (Immediate, Future Dated, Reccurring )
l Daftar transaksi (internal, skn / rtgs, Jaringan, Berkala)
3. informasi kartu kredit l menghubungkan/memutuskan l informasi kartu kredit l rincian transaksi l rincian tagihan l Blokir kartu l ubah limit l Pengaturan kartu
4. informasi produk investasi : reksadana & Bancassurance
5. pembayaran / pembelian : l layanan umum (Pam aetra
Jakarta, Pam Palyja, PDam, Pln Non Taglis, Pln Postpaid, Pln Prepaid, Penerimaan negara)
l ticket/hiburan (cgV Blitz, kai, lion air)
l handphone/telepon (esia Postpaid, smartfren Postpaid, telkom Flexi, telkom Pstn, telkomsel Postpaid, three Postpaid, Xl/aXis Postpaid)
l isi Pulsa (esia Prepaid, indosat ooredoo Prepaid, smartfren Prepaid, telkomsel Prepaid, three Prepaid, Xl mDs, Xl/aXis Prepaid)
1. Account information: l Balance Information l Account information details: l Account Transfer:
2. Funds Transfer l Bank Sinarmas Transfer (Immediate,
Future,Dated, Reccurring) l Other Bank Transfer (SKN, RTGS,
Network) (Immediate, Future, Dated, Reccurring)
l Uangku Transfer (Immediate, Future, Dated, Reccurring)
l Transaction List (Internal, SKN/RTGS, Network, Periodic)
3. Credit card Information l Connect/Disconnect l Credit Card Information l Detailed Transaction l Detailed Bill l Block Card l Change The Limit l Card Setting
4. Information on Investment Products: Mutual Funds & Bancassurance
5. Payment/ Purchase l Public Service (PAM AETRA Jakarta,
PAM Palyja, PDAM, PLN Non Taglis, PLN Postpaid, PLN Prepaid, State Revenue)
l Ticket/Entertainment (CGV Blitz, KAI, Lion Air)
l Hand phone/Telephone (Esia Postpaid, Smartfren Postpaid, Telkom Flexi, Telkom PSTN, Telkomsel Postpaid, Three Postpaid, Xl/AXIS Postpaid)
l Reload Phone Credit (Esia Prepaid, Indosat Ooredoo Prepaid, Smartfren Prepaid, Telkomsel Prepaid, Three
memberikan kemudahan dan kenyamanan bagi nasabah Bank sinarmas dalam melakukan transaksi finansial, dimanapun dan kapanpun.
Providing convenience and comfort for Bank Sinarmas customers in conducting financial transactions, wherever and whenever.
fiTur feaTures
keunggulan advanTages
Download aplikasi simobiPlus di google Play atau app store Website Bank sinarmas mesin atm Bank sinarmas
Download SimobiPlus application on Google Play or App Store Bank Sinarmas Website
Bank Sinarmas ATM Machine
regisTrasi regisTraTion
l tV kabel / internet (aora tV, Firstmedia, genflix, indovision/ okevision/top tV, kVision Prepaid, nexmedia, orange tV, skynindo Prepaid, telkom speedy, topas tV)
l asuransi (asuransi sinarmas) l kartu kredit (kartu kredit Bank
sinarmas) l Virtual Account l Bayar lainnya (BsD Junction, Baznas
infaq & shadaqah, Baznas Zakat, grand wisata, iPl BsD, itc BsD, itc Depok, itc Permata hijau, itc surabaya, legenda wisata cibubur, ocen Park, simas Finance, travel agen lion air)
6. produk asuransi & investasi : asuransiTravel
7. pembukaan rekening online (deposito & rekening Tabungan)
8. pembukaan rekening online syariah (deposito & rekening Tabungan)
9. riwayat Transaksi l History transaksi l History transaksi Fund transfer
10. layanan nasabah l ubah Password l menghubungkan/memutuskan l Daftar transfer l Daftar Pembayaran tagihan l Daftar Autodebet l Daftar Autodebet / Threshold l layanan notifikasi sms dan Email l Penutupan rekening Online l Permintaan token l aktivasi token l informasi cetak token Pln
Prepaid, XLMDS, XL/AXIS Prepaid) l Cable TV/ Internet (Aora TV,
Firstmedia, Genflix, Indovision/ Okevision/TOP TV, KVision Prepaid, Nexmedia, Orange TV, Skynindo Prfepaid, Telkom Speedy, Topas 5 TV)
l Insurance (Sinarmas Insurance) l Credit Card (Sinarmas Bank Credit
Card) l Virtual Account l Other Payment (BSD Junction,
Baznas Infaq & Shadaqah, Baznas Zakat, Grand Wisata, IPL BSD, ITC BSD, ITC Depok, ITC Permata Hijau, ITC Surabaya, Legenda Wisata Cibubur, Ocen Park, Simas Finance, Travel Agen Lion Air)
6. Insurance & Investment Products: Travel Insurance
7. online Account opening (Time deposits & Savings Account)
8. Sharia online Account opening (Time deposits & Savings Account)
9. Transaction History l Transaction History l Transaction History Fund Transfer
10. Customer Service l Change Password l Connect/Disconnect l Transfer List l Bill Payment List l Auto debit List l Auto debit List/Threshold l Notification SMS Service and Email l Online Account Closing l Token Request l Token Activation l Information Token PLN Print
kesinamBungan Tema theme continuitY
setelah melalui perjalanan yang cukup panjang di industri perbankan di indonesia, Bank sinarmas semakin tegas memantapkan posisinya sebagai bank yang mengutamakan pelayanan terbaik kepada seluruh nasabah. hal tersebut sejalan dengan budaya masyarakat indonesia yang dikenal sebagai masyarakat yang ramah dan penuh cinta kasih.
tahun 2016 guna mewujudkan visi “menjadi Bank terkemuka di indonesia dengan Jaringan Distribusi yang terintegrasi dan layanan yang Prima” kami menitikberatkan perhatian pada pengembangan sumber Daya manusia (sDm) dan teknologi untuk dapat memberikan layanan terbaik kepada nasabah. untuk itu, kami melakukan pengembangan dan peningkatan kualitas dari sDm yang kami miliki secara berkesinambungan. sejalan dengan itu, kami juga terus melakukan pengembangan di bidang teknologi informasi untuk menunjang operasional bank dan memberikan berbagai kemudahan kepada seluruh nasabah.
sinergi antara people dan technology kami ilustrasikan dengan proses pembuatan gerabah. Perpaduan antara skill yang dimiliki pengrajin dan teknologi (walau hanya teknologi yang sederhana) dapat menghasilkan karya seni yang bernilai.
After a long time in the banking industry in Indonesia, Bank Sinarmas has firmly established itself as a bank that prioritizes the best service to all customers. This is consistent with the culture of the Indonesia people who are known as friendly and loving.
In 2016, to realize our vision “Becoming the Leading Bank in Indonesia with an Integrated Distribution Network and Prime Services” we focused on enhancing our human capital and our technology to provide the best service to our customers. To that end, we undertook to develop and improve the quality of our HC, and continued to develop our information technology to support the bank’s operations to provide a wide range of facilities to all customers.
The synergy between people and technology is similar to the pottery making process. The combination of skills possessed by the potter and the technology (though only simple) can produce valuable works of art.
tema yang diangkat dalam laporan tahunan Bank sinarmas selama 3 tahun terakhir merupakan visualisasi dari rencana, strategi, dan kinerja Perusahaan selama tahun buku berjalan. setiap tema selalu dikaitkan dengan elemen tradisional indonesia sebagai wujud kecintaan kami terhadap indonesia.
The themes raised in the annual reports of Bank Sinarmas for the past 3 years are a visualization of plan, strategy, and performance of the Bank for the year. Each theme is always connected with Indonesia’s traditional element as a form of our love to Indonesia.
optimalisasi sumber Daya manusia dan teknologi untuk layanan unggul
Optimizing People and Technology for Excellence Service
Enhancing People Quality
Laporan Tahunan 2014 Annual Report
Developing Through Transformation Berkembang Melalui Transformasi
Consistency Striving for Excellence
2013Laporan Tahunan annual report
selama lebih dari 26 tahun telah kami lalui dalam industri perbankan. Bank sinarmas senantiasa menerapkan semangat culture masyarakat indonesia yang menjadi kekuatan utama dalam memberikan pelayanan terbaik kepada seluruh nasabah. Pada tahun 2015, Bank sinarmas mengambil inisiatif semangat budaya orang makassar yang disiplin, ulet, serta kuat dalam memegang prinsip. Penerapan semangat budaya ini dilakukan guna mewujudkan visi “menjadi Bank terkemuka di indonesia dengan Jaringan Distribusi yang terintegrasi dan layanan yang Prima” serta menjadi Bank modern dengan tetap memegang teguh nilai-nilai bangsa, dan budaya Bank.
Perpaduan tiga tari tradisional indonesia memiliki makna filosofi mendalam. Dengan mengadopsi filosofi yang terkandung didalamnya, Bank berkembang secara dinamis sesuai dengan kebutuhan pasar dan nasabah. Dalam membumikan filosofi atas budaya dan kesenian bangsa, Bank sinarmas mempersembahkan “Developing Through Transformation” yang menggambarkan visi dan misi Perusahaan serta cita-cita Bank untuk menjadi “Payment & Transaction Bank” dengan melakukan transformasi di bidang sDm dan ti Bank.
Perusahaan yang besar terbentuk berdasarkan kinerja maksimal yang didukung oleh budaya Perusahaan yang baik. Bank sinarmas bertekad untuk meraih pencapaian terbaik dengan melestarikan tradisi yang baik di Perusahaan dan senantiasa memanfaatkan potensi dan peluang yang tumbuh di tengah dinamika perkembangan bisnis guna meraih kesuksesan di masa mendatang.
We have been engaged in the banking industry for more than 26 years. Bank Sinarmas continues to implement the spirit of Indonesian culture that becomes the main strength in providing the best service to all customers. In 2015, Bank Sinarmas took the initiative of cultural spirit of Makassar people who are disciplined, determined and strong in holding the principles. The implementaiton of this spirit culture is conducted to realize the vision of “Becoming the Leading Bank in Indonesia with an Integrated Distribution Network and Prime Services” as well as modern Bank that continues to uphold the nations’ value and the Bank’s culture.
The combination of Indonesia’s three traditional dances bears an insightful philosophy. by adopting the philosophy contained within, the Bank grows dynamically to meet the need of the customers and market. In promoting the philosophy of the nation’s cultural and art values, Bank Sinarmas presents the theme of “Developing through Transformation” which depicts the vision and mission of the company and the Bank’s goal to become the “Payment & Transaction Bank” by performing transformation in HR and IT fields.
A reputable company is a fruit from perseverance to exert maximum efforts, coupled with spirit to internalize corporate culture within the company. We are determined to reach the best achievements by continuously maintaining our good tradition while studying every single potential and opportunity amid the vibrant business development to attain success in the future.
visi 2020 Vision 2020
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3
4
6
5
memposisikan diri agar siap untuk menghadapi aeC Benefit from ASEAn integration (AEC)
solusi finansial yang lengkap one Stop Financial Services Provider
meningkatkan efisiensi dan produktivitas jaringan distribusi Enhance efficiency and productivity of distribution network
menargetkan segmen mikro untuk penghasilan yang lebih tinggi Further into the high yield micro segments
meningkatkan fokus pada pelayanan yang menghasilkan pendapatan fee based Increase focus on fee based services
memperkuat kemampuan sumber daya manusia dan teknologi informasi sebagai fondasi digital banking dan financial technology Strengthen IT capability and human capital as foundation for digital banking and financial technology
melakukan cross selling melalui jaringan grup sinarmas Cross selling through Sinarmas Group’s network
visi 2020
vISIon 2020
l Pengembangan sumber daya manusia secara internal melalui “Management Development Program” (mDP) untuk menghasilkan pemimpin bank masa depan yang berkompetensi dan dapat diandalkan.
l Human Capital Management (HCM) is responsible for attracting, developing and rewarding the firm’s biggest asset
l Developed internally through management Development Program to create competent and capable individuals as a potential future leaders of the Bank
l infrastruktur teknologi informasi yang fleksibel
l efisiensi melalui otomasi proses perbankan
l IT infrastructure flexibility l Efficient and automated operation
l sumber dana stabil dengan biaya rendah l Portofolio kredit yang terdiversifikasi l Jajaran manajemen yang berpengalaman l Permodalan yang kuat dan didorong oleh
tata kelola Perusahaan yang baik l kerangka kerja untuk pertumbuhan digital
banking dan kepemimpinan yang telah tersedia l Fondasi pertumbuhan yang kuat l Pemegang saham yang kuat dan siap
mendukung pertumbuhan perbankan
l Stable low cost deposit base l Diverse loan portfolio l Experienced management team l Strong capitalization and GCG driven
l Framework in place for digital banking growth and leadership
l Established growth platform l Strong supportive shareholding partner
l 404 outlet l Jaringan distribusi lainnya l 90 atm l 401 Branches l Alternative Distribution Channel l 906 ATM’s
l solusi finansial yang lengkap dengan didukung oleh grup sinarmas
l The Complete Financial Solutions supported by Sinarmas Group
sumBer daya manusia THE PEOPLE
model Bisnis THE BUSINESS MODEL
solusi finansial yang lengkap THE COMPLETE FINANCIAL SOLUTIONS
infrasTrukTur THE INFRASTRUCTURE
11 5 kunCi sukses 5 KEYS SUCCESS FACTORS
01 kilas kinerJa 2015 FLASHBACK PERFORMANCE OF 2015
16 ikhtisar keuangan dan operasional Financial and Operational Highlights
18 rasio-rasio keuangan Financial Ratio
19 ikhtisar operasional Operational Highlight
20 ikhtisar saham Share Highlights
21 grafik informasi saham Share Information Graphic
21 informasi mengenai obligasi, sukuk, atau obligasi konversi Information on Bonds, Sukuk or Convertible Bonds
22 Peristiwa Penting 2016 Important Events 2016
26 Penghargaan dan sertifikasi Awards and Certifications
02 laporan manaJemen MANAGEMENT REPORT
32 laporan Dewan komisaris Board of Commissioners Report
40 laporan Direksi Board of Directors Report
03 profil perusahaan COMPANY PROFILE
57 identitas Perusahaan Corporate identity
58 sekilas Bank sinarmas Bank Sinarmas In Brief
60 Jejak langkah Milestones
63 nilai Perusahaan Corporate Values
66 Bidang usaha Business Lines
70 Produk dan layanan Product and Services
71 makna logo Bank sinarmas Bank Sinarmas Logo
72 struktur organisasi Organization Structure
74 Profil Dewan komisaris Board of Commissioners’ Profile
77 Profil Direksi Board of Directors’ Profile
85 Pejabat senior Senior Management
86 struktur dan komposisi Pemegang saham Shareholder Composition
86 entitas anak dan asosiasi Subsidiaries and Associated Entities
86 struktur grup Perusahaan Business Group Structure
87 kronologis Pencatatan saham Sharelisting Chronology
88 kronologis Pencatatan efek lainnya Other Securities Listing Chronology
88 lembaga dan Profesi Penunjang Perusahaan Supporting Institutions and Professionals
88 informasi Pada Website Perusahaan Information About The Company Website
90 Jaringan, Peta operasional, dan alamat kantor Network, Operational Map, and Office Addresses
04 TinJauan uniT-uniT Bisnis OVERVIEW OF BUSINESS UNITS
108 sumber Daya manusia Human Capital
122 teknologi informasi Information Technology
127 unit usaha syariah Sharia Business Unit
148 kinerja keuangan Financial Performance
151 tata kelola Perusahaan Good Corporate Governance
160 manajemen risiko Risk Management
05
220 tinjauan industri Industry Overview
224 tinjauan operasional Operational Overview
234 kinerja operasional Operational Performance
251 tinjauan Per segmen usaha Review by Segment
255 aspek Pemasaran Marketing Aspect
258 tinjauan keuangan Financial Review
273 kemampuan membayar hutang dan tingkat kolektabilitas Piutang Ability To Pay Debt and Receivables Collectability
275 kontribusi kepada negara Contributions To The State
276 Dampak Perubahan tingkat suku Bunga terhadap kinerja Bank Impact of Interest Rate Changes on The Performance of Bank
277 akselerasi Pertumbuhan Fee Based Income Acceleration In Based Fee Income Growth
278 struktur modal dan kebijakan struktur modal Capital Structure and Capital Structure Policy
280 Perbandingan target dan realisasi Comparison of Target and Realization
282 Prospek usaha Perusahaan Company Prospects
283 ikatan material untuk investasi Barang modal Material Commitments For Capital Goods Investments
283 investasi Barang modal yang Direalisiasikan tahun Buku terakhir Capital Goods Investment Realized In The Last Financial Year
283 Fakta material yang terjadi setelah tanggal laporan akuntan Material Events Happening After The Accountant Report Date
283 realisasi Dana hasil Penawaran umum Use of Proceeds From Public Offering
284 kebijakan Dividen Dividend Policy
284 Program kepemilikan saham oleh karyawan Employee Share Ownership Program
284 transaksi material yang mengandung Benturan kepentingan dan/atau transaksi dengan Pihak afiliasi Material Transactions Containing Conflicts of Interest And/Or With Affiliated Party Transactions
285 Perubahan Peraturan Perundang- undangan yang Berpengaruh signifikan terhadap Perusahaan Changes In Legislation Significantly Affecting The Company
290 Perubahan kebijakan akuntansi yang Diterapkan Perusahaan Pada tahun Buku terakhir Changes In Accounting Policies Implemented In The Last Financial Year
290 informasi kelangsungan usaha Business Continuity
06 TaTa kelola perusahaan GOOD CORPORATE GOVERNANCE
295 Dasar Penerapan tata kelola Perusahaan Corporate Governance Basis
296 Prinsip-Prinsip tata kelola Corporate Governance Principles
300 tahapan implementasi tata kelola Corporate Governance Implementation Stages
316 rencana Peningkatan kualitas Penerapan gcg tahun 2017 GCG Quality Improvement Plan 2017
317 kebijakan, struktur dan mekanisme tata kelola Perusahaan Policies, Structure and Mechanism of Corporate Governance
321 rapat umum Pemegang saham General Meeting of Shareholders
340 Dewan komisaris Board of Commissioners
353 komisaris independen Independent Commissioner
357 Direksi Board of Directors
382 rapat gabungan Dewan komisaris Dengan Direksi Board of Commissioners and Board of Directors Joint Meeting
386 hubungan kerja Dewan komisaris dan Direksi Board of Commissioners and Board of Directors Working Relations
387 hubungan afiliasi Dewan komisaris, Direksi dan Pemegang saham Pengendali Board of Commissioners, Board of Directors and Controlling Shareholders Affiliate Relations
388 kebijakan dan Prosedur Penetapan remunerasi Dewan komisaris dan Direksi Board of Commissioners and Board of Directors Remuneration Determination Policies and Procedures
390 kebijakan keberagaman komposisi Dewan komisaris dan Direksi Board of Commissioners and Board of Directors Diversity Policy
392 komite-komite di Bawah Dewan komisaris Committees Under The Board of Commissioners
392 komite audit Audit Committee
399 komite Pemantau risiko Risk Monitoring Committee
405 komite remunerasi dan nominasi Remuneration and Nomination Committee
412 Pelaksanaan tata kelola terintegrasi konglomerasi keuangan Pt. Bank sinarmas tbk. tahun 2016 PT. Bank Sinarmas Tbk. Financial Conglomerate Integrated Governance Implementation 2016
423 komite-komite di Bawah Direksi Committees Below The Board of Directors
423 Asset & Liability Management Committee Asset & Liability Management Committee
428 komite kredit korporasi Corporate Credit Committee
430 komite Information Technology Information Technology Committee
434 komite Human Capital Human Capital Committee
435 komite manajemen risiko Risk Management Committee
438 satuan kerja audit internal (skai) Internal Audit Unit (IAU)
444 satuan kerja manajemen risiko Risk Management Unit
445 satuan kerja kepatuhan Compliance Work Unit
446 Direktur kepatuhan Compliance Director
461 implementasi Program anti Pencucian uang & Pencegahan Pendanaan terorisme melalui Penerapan Know Your Customer (kYc) Implementation of Anti-Money Laundering and Prevention of Terrorism Financing Through The Know Your Customer (KYC) Application
462 sekretaris Perusahaan Corporate Secretary
468 kantor akuntan Publik Public Accounting Firm
469 sistem Pengendalian internal Internal Control Systems
472 Perkara Penting yang Dihadapi Bank sinarmas Important Cases Faced by Bank Sinarmas
473 unit legal Legal Unit
474 Buy Back Shares dan Buy Back obligasi Bank Buy Back Bank Shares and Bonds
474 Akses Informasi dan Data Perusahaan Buy Back Bank Shares and Bonds
475 kode etik dan Budaya Perusahaan Code of Conduct and Corporate Culture
477 Pakta integritas Integrity Pact
477 kepatuhan terhadap Pajak Tax Compliance
478 Pencegahan tindakan korupsi Corruption Prevention Measures
482 sistem Pelaporan Pelanggaran (Whistleblowing System) Whistleblowing System
07 Tanggung JaWaB sosial perusahaan CORPORATE SOCIAL RESPONSIBILITY
489 Filosofi Program dan kegiatan tanggung Jawab sosial Bank sinarmas Bank Sinarmas Social Responsibility Program Philosophy
491 tanggung Jawab sosial Perusahaan dalam Bidang lingkungan hidup dan Pelestarian alam Corporate Social Responsibility For The Environment and Nature Conservation
493 tanggung Jawab Pengembangan sosial dan kemasyarakatan Social and Community Development
496 tanggung Jawab sosial Perusahaan dalam Bidang ketenagakerjaan, kesehatan dan keselamatan kerja Corporate Social Responsibility Related To Manpower, Occupational Health and Safety
503 tanggung Jawab sosial Perusahaan dalam Bidang tanggung Jawab terhadap nasabah Corporate Social Responsibility to Customers
508 surat Pernyataan anggota Dewan komisaris dan anggota Direksi tentang tanggung Jawab atas laporan tahunan 2016 Pt. Bank sinarmas tbk. Statement of Members of Board of Commissioners and Members Board of Directors on The Responsibility For The 2016 Annual Report of PT. Bank Sinarmas Tbk.
08 laporan keuangan konsolidasi CONSOLIDATED FINANCIAL STATEMENT
09 indeks kriTeria annual reporT aWard 2016 INDEX OF 2016 ANNUAL REPORT AWARD CRITERIA
PT. Bank Sinarmas Tbk. laporan tahunan 2016 annual report
Bank sinarmas sepanjang 2016 di bawah kepemimpinan direksi saat ini berjalan dengan
sangat baik.
of directors’ leadership has run very well.
kilas kinerja 2016 performance Highlights
01
Kilas Kinerja 2015 Flashback Performance of 2015
Laporan Manajemen Management Report
Profil Perusahaan Company Profile
dalam jutaan rupiah in million rupiah
uraian 2016 2015 2014 2013 2012 description aseT asseTs
kas 474.452 487.483 370.991 375.908 283.214 Cash
giro pada Bank indonesia 2.038.678 1.867.617 1.534.185 1.461.477 1.441.593 Demand Deposits with Bank Indonesia
giro Pada Bank lain-pihak ketiga 1.030.673 1.010.895 379.910 247.772 448.234 Demand Deposits with Third Parties
Penempatan pada Bank indonesia & bank lain 3.079.112 2.272.655 1.693.348 1.510.764 553.334 Placement with Other Banks and Bank Indonesia
efek-efek-Bersih 2.830.450 2.643.505 1.457.330 1.355.092 1.232.912 Securities-Net
efek yang Dibeli dengan Janji Jual kembali - - - 139.212 - Securities Purchased Under Agreement to Resell
kredit yang Diberikan-Bersih 19.111.131 17.327.762 14.223.357 10.909.738 10.293.836 Loans Disbursed-Net
tagihan akseptasi-Bersih 191.813 296.215 67.836 238..324 - Acceptance Receivables-Net
Penyertaan modal sementara - - 173.800 - - Temporary Capital Inclusion
Pendapatan Bunga akrual 157.547 133.841 83.429 73.261 63.622 Interest Receivable
Biaya Dibayar Di muka 322.395 382.944 355.139 265.222 130.561 Prepaid Expenses
aset tetap 1.041.763 1.035.570 584.058 544.440 494.110 Fixed Assets
aset Ijarah-Bersih 228.869 57.024 84.180 104.556 46.513 Ijarah Assets-Net
aset lain-lain 685.743 353.177 251.986 221.689 163.963 Other Assets
Jumlah aset 31.192.626 27.868.688 21.259.549 17.447.455 15.151.892 Total Assets
liaBiliTas liaBiliTies
simpanan 25.077.741 22.357.131 16.946.231 13.819.061 12.860.714 Deposits
simpanan dari Bank lain 915.484 1.114.480 766.197 256.681 152.335 Deposits from Other Banks
efek yang Dijual dengan Janji Dibeli kembali - 145.009 - - - Securities Sold Under Buy Back Agreement
utang Pajak 121.530 42.601 28.224 31.878 18.844 Taxes Payable
liabilitas akseptasi 176.810 139.840 67.836 238.324 - Acceptances Payable
Beban Bunga akrual 36.714 39.395 31.930 16.925 21.584 Accrued Interest
liabilitas Pajak tangguhan-Bersih 109.918 105.334 84.957 62.139 39.563 Deferred Tax Liabilities-Net
liabilitas imbalan kerja Jangka Panjang 39.794 29.970 15.568 20.547 17.419 Long-term Employee Benefits Liabilities
liabilitas lain-lain 84.096 43.950 16.635 12.029 10.973 Other Liabilities
Jumlah liabilitas 26.717.304 24.199.077 18.095.435 14.694.011 13.326.284 Total Liabilities
ekuiTas eQuiTy
tambahan modal Disetor-Bersih 1.256.511 928.204 920.494 766.224 342.032 Additional Paid-In Capital-Net
rugi yang Belum Direalisasi atas Penurunan nilai wajar efek tersedia untuk Dijual 282.014 (26.478) (28.310) (33.002) (33.058) Unrealized Loss on Decrease in Fair Value of
Available for Sale Securities
saldo laba Retained Earnings
Jumlah ekuitas 4.475.322 3.669.611 3.164.114 2.753.444 1.825.608 Total Equity
laporan laBa rugi profiT (loss) sTaTemenT
Pendapatan Bunga Bersih 1.744.976 1.344.944 992.870 826.360 780.192 Net Interest Revenues
Pendapatan operasional lainnya 680.187 446.237 251.106 275.230 171.150 Other Operating Revenues
Pendapatan operasional 2.425.163 1.791.181 1.243.976 1.379.061 1.622.734 Operating Revenues
Beban operasional 1.931.533 1.552.228 1.043.081 1.379.277 1.337.255 Operating Expenses
laba sebelum Pajak 493.630 238.953 200.895 286.316 285.479 Income Before Tax
laba Bersih 370.651 185.153 154.932 221.273 227.906 Net Income
laba per saham (nilai Penuh) 25,60 13,15 11,73 17,88 23,57 Earnings per Share (Full Value)
ikhTisar keuangan dan operasional FINANCIAL AND OPERATIONAL HIGHLIGHTS
17 Annual Report 2016
PT. Bank Sinarmas Tbk.
Tata Kelola Perusahaan Good Corporate Governance
Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility
Laporan Keuangan Konsolidasi Consolidated Financial Statement
ikhtisar keuangan Dan oPerasional FINANCIAL AND OPERATIONAL HIGHLIGHTS
dalam jutaan rupiah | in million rupiah
2012
2012
2012
pendapatan Bunga Interest Revenues
simpanan nasabah Customer Deposits
2012
2012
dalam Persen in percentage
permodalan eQuiTy
kewajiban Penyediaan modal minimum (kPmm) 16,70% 14,37% 18,38% 21,82% 18,09% Capital Adequacy Ratio (CAR)
aset tetap terhadap modal 33,80% 41,44% 28,36% 28,04% 34,74% Fixed Assets to Total Equity
aseT produkTif earnings asseTs
aset Produktif Bermasalah 1,98% 3,65% 2,33% 1,88% 2,63% Non Performing productive assets
kredit Bermasalah-Gross 2,10% 3,95% 3,00% 2,50% 3,18% Non-Performing Loans-Gross
kredit Bermasalah-net 1,47% 2,99% 2,56% 2,12% 2,57% Non-Performing Loans-Net
PPaP-ckPn terhadap aset Produktif 1,31% 1,01% 0,46% 0,39% 0,73% Provision to Earning Assets
Pemenuhan PPa-ckPn 100% 100% 100% 100% 100% Compliance Provision
renTaBiliTas profiTaBiliTy
tingkat Pengembalian aset 1,72% 0,95% 1,02% 1,71% 1,74% Return on Assets
tingkat Pengembalian ekuitas 10,04% 6,46% 5,72% 9,23% 15,42% Return on Equity
marjin Bunga Bersih 6,44% 5,77% 5,87% 5,23% 5,72% Net Interest Margin
Biaya operasional terhadap Pendapatan operasional (BoPo) 86,23% 91,67% 94,54% 88,50% 83,75% Operational Expenses/Operational
Income
likuidiTas liQuidiTy
kredit terhadap Dana masyarakat 77,47% 78,04% 83,88% 78,72% 80,78% Funds to Public
kepaTuhan ComplianCe
Pelanggaran BmPk nil nil nil nil nil Legal Lending Limit Violation
Pelampauan BmPk nil nil nil nil nil Legal Lending Limit Excess
giro wajib minimum (gwm)-rupiah 8,39% 8,23% 8,64% 9,37% 9,45% Statutory Reserves Requirement (GWM)-Rupiah
Posisi Devisa neto (PDn) 2,25% 1,44% 0,18% 0,75% 6,58% Net Open Position
rasio-rasio keuangan FINANCIAL RATIO
ikhTisar operasional OPERATIONAL HIGHLIGHT
kantor cabang Branch office
kantor Fungsional operasional Operational Functional office
kantor Fungsional umk umk Functional office
kantor kas cash outlets
kantor Fungsional umk syariah Sharia umk Functional office
kantor kas syariah Sharia cash outlets
2014
20 Laporan Tahunan 2016 PT. Bank Sinarmas Tbk.
ikhTisar saham SHARE HIGHLIGHTS
Triwulan Quarter
Bulan Month
harga Price
peredaran saham di pasar reguler Shares Circulating in the Regular Market
Jumlah saham
(rp) (rp) (rp) unit (rp) X periode Januari-desemBer 2016/2016 JANUARY-DECEMBER PERIOD
i
maret March 495 460 490 100 49.000 1 14.009.622.904 6.864.715.222.960
ii
april April 469 395 405 40.500 16.504.500 16 14.009.623.068 5.673.897.342.540
mei May 450 378 430 149.300 64.315.400 11 14.629.202.970 6.290.557.277.100
Juni June 540 430 530 1.700 907.000 2 15.051.936.494 7.977.526.341.820
iii
iV
Desember December 880 845 870 100 87.000 1 15.053.073.256 13.096.173.732.700
periode Januari-desemBer 2015/2015 JANUARY-DECEMBER PERIOD
i
ii
april April 410 380 400 1 1.363.300 4.571.209.500 367 13.930.336.186 5.572.134.474.400
mei May 405 375 385 5.379.500 2.151.042.100 308 13.936.123.688 5.365.407.619.880
Juni June 400 350 375 2.310.500 867.672.900 871 13.940.080.831 5.227.530.311..625
iii
Juli July 399 370 385 1.240.100 464.498.300 709 13.940.388.331 5.367.049.507.435
agustus August 400 365 370 10.655.600 3.944.601.400 390 13.941.459.431 5.158.339.989.470
september September 500 370 490 13.772.500 6.480.124.700 912 13.949.089.731 6.835.053.968.190
iV
Jan Feb mar apr may Jun Jul ags sep oct nov Dec
2016 430 500 490 405 430 530 800 810 800 870 855 870
2015 347 393 406 400 385 375 385 370 490 485 450 394
2016 138.800 1.314.800 100 40.500 149.300 1.700 1.806.600 541.900 269.000 1.210.700 23.900 100
2015 10.682.900 12.303.100 16.326.900 1 1.363.300 5.379.500 2.310.500 1.240.100 10.655.600 13.772.500 4.888.000 10.881.800 260.800
2016 6.023.197 7.004.311 6.864.715 5.673.897 6.290.557 7.977.526 12.041.655 12.192.176 12.041.655 13.095.304 12.869.523 13.096.174
2015 4.824.552 5.464.851 5.650.700 5.572.134 5.365.408 5.227.530 5.367.050 5.158.340 6.835.054 6.767.092 6.285.266 5.518.930
Q1
Q1
Q1
Q2
Q2
Q2
Q3
Q3
Q3
Q4
Q4
Q4
grafik harga saham/SHARE PRICE GRAPH
grafik volume perdagangan/TRADING VOLUME GRAPH
grafik kapiTalisasi pasar/MARKET CAPITALIZATION GRAPH dalam jutaan rupiah in million rupiah
dalam unit in unit
informasi mengenai oBligasi, sukuk, aTau oBligasi konversi INFORMATION on BONDS, sukuk or conVertiBle BONDS
Bank sinarmas belum menerbitkan obligasi, sukuk atau obligasi konversi sehingga informasi mengenai hal tersebut tidak dapat ditampilkan dalam laporan tahunan ini.
Bank Sinarmas has not issued any bonds, sukuk, or convertible bonds so such information cannot be presented in this annual report.
perisTiWa penTing 2016 IMPORTANT EVENTS 2016
LAunCHInG laku pandai dan simpanan pelaJar Bank sinarmas mendukung program inklusi keuangan dengan mengadakan launching laku Pandai dan simpanan Pelajar Bank sinarmas pada tanggal 8 Januari 2016 di tegalrejo, magelang, Jawa tengah.
LAunCHInG LAku PAndAI And SIMPAnAn PELAjAR Bank Sinarmas supports the financial inclusion program by launching Laku Pandai Conduct and Simpanan Pelajar Bank Sinarmas on January 8, 2016 in Tegalrejo, Magelang, Central Java.
8 Januari 2016 | January 8, 2016
LAunCHInG rans Card Bank sinarmas menggandeng raffi ahmad dan nagita slavina sebagai Brand Ambasaddor dalam launching tabungan rans carD Bank sinarmas di la Piazza, mall kelapa gading pada tanggal 5-6 maret 2016.
LAunCHInG RAnS CARd Bank Sinarmas takes Raffi Ahmad and Nagita Slavina as Brand Ambassadors in the launching of RANS CARD Bank Sinarmas at La Piazza, Kelapa Gading Mall on March 5 -6, 2016
5-6 maret 2016 | March 5 -6, 2016
rapaT umum pemegang saham luar Biasa Bank sinarmas mengadakan rapat umum Pemegang saham luar Biasa di ruang Paseo, sinar mas land Plaza Tower 2 lt. 39 pada tanggal 29 Februari 2016.
ExTRAoRdInARy GEnERAL MEETInG oF SHAREHoLdERS Bank Sinarmas holds a Extraordinary General Meeting of Shareholders at the Paseo Lounge, Sinar Mas Land Plaza Tower 2 Lt. 39 on February 29, 2016.
29 februari 2016 | February 29, 2016
mou Bank sinarmas dan ikopin Bank sinarmas melakukan penandatangan mou bersama dengan institut koperasi indonesia (ikoPin) dibidang kurikulum Perbankan syariah dalam acara Peresmian Program studi Baru ikoPin di Jatinangor, Jawa Barat tanggal 28 maret 2016.
Mou BAnk SInARMAS and IkoPIn Bank Sinarmas signs an MoU with Institut Koperasi Indonesia (IKOPIN) for the Islamic Banking curriculum in the New Study Program IKOPIN Inauguration at Jatinangor, West Java on March 28, 2016
28 maret 2016 | March 28, 2016
CoRPoRATE CREdIT CARd Bank sinarmas Bank sinarmas melakukan penandatanganan kerjasama Corporate Credit Card bersama dengan telesindo Group yang dilaksanakan pada tanggal 1 april 2016 di Ballroom Plaza simas, Fachrudin Jakarta Pusat.
CoRPoRATE CREdIT CARd BAnk SInARMAS Bank Sinarmas signs a Corporate Credit Card cooperation agreement with Telesindo Group on April 1, 2016 at the Ballroom Plaza Simas, Fachrudin Central Jakarta.
1 april 2016 | April 1, 2016
Bank sinarmas dukung program Jaring Bank sinarmas berpartisipasi dalam kegiatan Jaring (Jangkau, sinergi dan Guideline) sebagai wujud komitmen dukungan Bank sinarmas dalam program kerakyatan yang dilaksanakan di morodemak, Jawa tengah tanggal 12 mei 2016.
BAnk SInARMAS SuPPoRTEd jARInG EvEnT Bank Sinarmas participates in NETS (Reach, Synergy and Guideline) a commitment by Bank Sinarmas to support the populist program implemented in Morodemak, Central Java on May 12, 2016.
12 mei 2016 | May 12, 2016
Peristiwa Penting 2016 IMPORTANT EVENTS 2016
rapaT umum pemegang saham Tahunan & rapaT umum pemegang saham luar Biasa Bank sinarmas mengadakan rapat umum Pemegang saham tahunan dan rapat umum Pemegang saham luar Biasa di ruang Paseo, sinar mas land Plaza Tower 2 lt. 39 pada tanggal 24 Juni 2016.
AnnuAL GEnERAL MEETInG oF SHAREHoLdERS And An ExTRAoRdInARy GEnERAL MEETInG oF SHAREHoLdERS Bank Sinarmas holds an Annual General Meeting of Shareholders and an Extraordinary General Meeting of Shareholders at the Paseo Lounge, Sinar Mas Land Plaza Tower 2 Lt. 39 on June 24, 2016.
24 Juni 2016 | June 24, 2016
Bank sinarmas dukung aksi pangan Bank sinarmas akan memberikan pembiayaan bagi 1.550 peternak sapi di wilayah tuban, Jawa timur. Pemberian kredit ini bagian dari kerja sama antara indonesia dan australia dalam program Strengthening Agricultural Finance in Rural Areas (saFira), pada tanggal 20 Juli 2016 di Ballroom Plaza simas, Fachrrudin, Jakarta.
BAnk SInARMAS SuPPoRTEd AGRICuLTuRAL ACT Sinarmas Bank provides financing to 1,550 cattle farmers in Tuban, East Java. Giving credit as part of the cooperation between Indonesia and Australia in the Strengthening Agricultural Finance in Rural Areas (SAFIRA) program, on July 20, 2016 in the Ballroom, Plaza Simas, Fachrrudin, Jakarta..
20 Juli 2016 | July 20, 2016
Tinjauan Unit-Unit Bisnis Overview of Business Units
kerJasama Bank sinarmas dan phillip seCuriTies indonesia Bank sinarmas melakukan penandatanganan kerjasama rekening Dana nasabah (rDn) bersama Phillip securities indonesia sebagai bukti nyata dukungan gerakan Yuk nabung saham di Main Hall Bursa efek indonesia pada tanggal 7 september 2016.
CoLLABoRATIvE BAnk SInARMAS And PHILLIP SECuRITIES IndonESIA Bank Sinarmas signs a Client Fund Account (RDN) Agreement together with Phillip Securities Indonesia as tangible evidence of support for the Yuk Nabung Saham Movement at the Main Hall, Indonesia Stock Exchange on September 7, 2016.
7 september 2016 | September 7, 2016
sosialisasi TAx AMnESTy Bank sinarmas Bank sinarmas melaksanakan sosialisasi Tax Amnesty kepada seluruh nasabah Bank sinarmas dalam rangka mendukung gerakan nasional Tax Amnesty di Ballroom hotel Pullman, thamrin, Jakarta pada tanggal 19 agustus 2016.
BAnk SInARMAS TAx AMnESTy SoCIALIzATIon Bank Sinarmas implements Tax Amnesty Socialization to all Bank Sinarmas customers to support the National Tax Amnesty Movement in the Ballroom, Hotel Pullman, Thamrin, Jakarta on August 19, 2016.
19 agustus 2016 | August 19, 2016
Bank sinarmas dukung aksi pangan Bank sinarmas melakukan penandatangan kerjasama pembiayaan Petani ubi Jalar bersama Pt. Jit investama harapan sukses untuk mendukung kur dengan sistem Value Chain Financing di Desa cibeber, cianjur, Jawa Barat pada tanggal 27 september 2016.
BAnk SInARMAS SuPPoRTEd AGRICuLTuRAL ACT Sinarmas Bank signs a Sweet Potato Growers’ financing agreement with PT. JIT Investama Harapan Sukses to support the KUR system with Value Chain Financing in Cibeber, Cianjur, West Java on September 27 2016.
27 september 2016 | September 27, 2016
mou Bank sinarmas dengan CashleZZ dan dimo Bank sinarmas melakukan penandatangan mou dengan Pt. cashlezz worldwide indonesia dan Pt. Dimo Pay indonesia di ice, BsD tanggal 30 agustus 2016 dengan disaksikan Bpk. Jokowi, Presiden ri sebagai langkah Bank sinarmas dalam mendukung sistem transaksi Digital di indonesia.
Mou BAnk SInARMAS WITH CASHLEzz And dIMo Bank Sinarmas signs an MoU with PT. Cashlezz Worldwide Indonesia and PT. Dimo Pay Indonesia in ICE, BSD on August 30, 2016 in the presence of Republic of Indonesia President Jokowi, a Bank Sinarmas step to support Digital Transaction Systems in Indonesia.
30 agustus 2016 | August 30, 2016
Bank sinarmas CeTak muri Bank sinarmas mencetak muri dengan mencatatkan rekor pembukaan (pembelian) reksadana berupa rekening Dana nasabah terbanyak se-kabupaten dalam acara gebyar syariah Purwokerto pada tanggal 1 oktober 2016.
BAnk SInARMAS BuILT MuRI RECoRd Bank Sinarmas acheives a MURI record by the opening most Regional Mutual Funds in the form of Client Fund Accounts in Gebyar Sharia Purwokerto Event on October 1, 2016.
1 oktober 2016 | October 1, 2016
PuBLIC ExPoSE Bank sinarmas Bank sinarmas melaksanakan keterbukaan informasi melalui kegiatan Public Expose Bank sinarmas yang dilaksanakan di Ballroom Plaza simas, Fachrrudin, Jakarta pada tanggal 18 november 2016.
PuBLIC ExPoSE BAnk SInARMAS Bank Sinarmas complies with information disclosure through Bank Sinarmas Public Expose held at the Ballroom, Plaza Simas, Fachrrudin, Jakarta on November 18, 2016.
18 november 2016 | November 18, 2016
penghargaan dan serTifikasi AWARDS AND CERTIFICATIONS
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1. Pt. Bank sinarmas tbk. berhasil meraih peringkat 1 untuk Corporate Communication (Buku 2 aset > rp 25t) dalam acara anugerah Perbankan indonesia V-2016 yang diselenggarakan oleh majalah Economic Review dan Perbanas institute, kamis 13 oktober 2016 bertempat di Balai kartini, Jakarta.
2. Pt. Bank sinarmas tbk. berhasil meraih peringkat 1 untuk Corporate Social Responsibility (Buku 2 aset > rp 25t) dalam acara anugerah Perbankan indonesia V-2016 yang diselenggarakan oleh majalah Economic Review dan Perbanas institute, kamis 13 oktober 2016 bertempat di Balai kartini, Jakarta.
3. Pt. Bank sinarmas tbk. berhasil meraih peringkat 1 untuk Information & Technology (Buku 2 aset > rp 25t) dalam acara anugerah Perbankan indonesia V-2016 yang diselenggarakan oleh majalah Economic Review dan Perbanas institute, kamis 13 oktober 2016 bertempat di Balai kartini, Jakarta.
4. Pt. Bank sinarmas tbk. berhasil meraih peringkat 1 untuk Human Capital (Buku 2 aset > rp 25t) dalam acara anugerah Perbankan indonesia V-2016 yang diselenggarakan oleh majalah Economic Review dan Perbanas institute, kamis 13 oktober 2016 bertempat di Balai kartini, Jakarta.
5. Pt. Bank sinarmas tbk. berhasil meraih peringkat 1 untuk Marketing (Buku 2 aset > rp 25t) dalam acara anugerah Perbankan indonesia V-2016 yang diselenggarakan oleh majalah Economic Review dan Perbanas institute, kamis 13 oktober 2016 bertempat di Balai kartini, Jakarta.
6. Pt. Bank sinarmas tbk. berhasil meraih peringkat 2 untuk Risk Management (Buku 2 aset > rp 25t) dalam acara anugerah Perbankan indonesia V-2016 yang diselenggarakan oleh majalah Economic Review dan Perbanas institute, kamis 13 oktober 2016 bertempat di Balai kartini, Jakarta.
7. Pt. Bank sinarmas tbk. berhasil meraih peringkat 2 untuk Finance (Buku 2 aset > rp 25t) dalam acara anugerah Perbankan indonesia V-2016 yang diselenggarakan oleh majalah Economic Review dan Perbanas institute, kamis 13 oktober 2016 bertempat di Balai kartini, Jakarta.
8. Pt. Bank sinarmas tbk. berhasil meraih peringkat 2 untuk Good Corporate Governance (Buku 2 aset > rp 25t) dalam acara anugerah Perbankan indonesia V-2016 yang diselenggarakan oleh majalah Economic Review dan Perbanas institute, kamis 13 oktober 2016 bertempat di Balai kartini, Jakarta.
9. Pt. Bank sinarmas tbk. berhasil meraih peringkat 2 untuk Legal (Buku 2 aset > rp 25t) dalam acara anugerah Perbankan indonesia V-2016 yang diselenggarakan oleh majalah Economic Review dan Perbanas institute, kamis 13 oktober 2016 bertempat di Balai kartini, Jakarta.
1. PT. Bank Sinarmas Tbk. ranks first for Corporate Communication (Buku 2 Assets > Rp 25T) in the Anugerah Perbankan Indonesia V event-2016 organized by Economic Review Magazine and Perbanas Institute, on Thursday, October 13, 2016 held at Balai Kartini, Jakarta.
2. PT. Bank Sinarmas Tbk. ranks first for Corporate Social Responsibility (Buku 2 Assets > Rp 25T) in the Anugerah Perbankan Indonesia V event-2016 organized Economic Review Magazine and Perbanas Institute, on Thursday, October 13, 2016 held at Balai Kartini, Jakarta.
3. PT. Bank Sinarmas Tbk. ranks first for Information & Technology (Buku 2 Assets > Rp 25T) in the Anugerah Perbankan Indonesia V event-2016 organized Economic Review Magazine and Perbanas Institute, on Thursday, October 13, 2016 held at Balai Kartini, Jakarta.
4. PT. Bank Sinarmas Tbk. ranks first for Human Capital (Buku 2 Assets > Rp 25T) in the Anugerah Perbankan Indonesia V event-2016 organized Economic Review Magazine and Perbanas Institute, on Thursday, October 13, 2016 held at Balai Kartini, Jakarta.
5. PT. Bank Sinarmas Tbk. ranks first for Marketing (Buku 2 Assets > Rp 25T) in the Anugerah Perbankan Indonesia V event-2016 organized Economic Review Magazine and Perbanas Institute, on Thursday, October 13, 2016 held at Balai Kartini, Jakarta.
6. PT. Bank Sinarmas Tbk. ranks second for Risk Management (Buku 2 Assets > Rp 25T) ) in the Anugerah Perbankan Indonesia V event-2016 organized Economic Review Magazine and Perbanas Institute, on Thursday, October 13, 2016 held at Balai Kartini, Jakarta.
7. PT. Bank Sinarmas Tbk. ranks second for Finance (Buku 2 Assets > Rp 25T) in the Anugerah Perbankan Indonesia V event-2016 organized Economic Review Magazine and Perbanas Institute, on Thursday, October 13, 2016 held at Balai Kartini, Jakarta.
8. PT. Bank Sinarmas Tbk. ranks second for Good Corporate Governance (Buku 2 Assets > Rp 25T) in the Anugerah Perbankan Indonesia V event-2016 organized Economic Review Magazine and Perbanas Institute, on Thursday, October 13, 2016 held at Balai Kartini, Jakarta.
9. PT. Bank Sinarmas Tbk. ranks second to Legal (Buku 2 Assets > Rp 25T) in the Anugerah Perbankan Indonesia V event-2016 organized Economic Review Magazine and Perbanas Institute, on Thursday, October 13, 2016 held at Balai Kartini, Jakarta.
Penghargaan Dan sertiFikasi AWARDS AND CERTIFICATIONS
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10. Pada perhelatan penganugerahan Annual Report Award 2015, Pt. Bank sinarmas tbk. berhasil meraih Peringkat 3 untuk kategori Private keuangan Listed
11. Pada perhelatan “warta ekonomi indonesia Digital Innovation Award For Banking 2016” yang diselenggarakan oleh warta ekonomi, Pt. Bank sinarmas tbk. berhasil meraih predikat sebagai Digital Innovation for Banking, Commercial Bank Category Buku 2 (modal inti 1-5 triliun)
12. Pt. Bank sinarmas tbk. berhasil memecahkan museum rekor Dunia-indonesia (muri) sebagai Penyelenggara Pendukung Penciptaan investor reksa Dana syariah terbanyak dalam satu kabupaten
13. Pt. Bank sinarmas tbk. kembali meraih The Champion of Bandung WOW Service Excellence Award kategori Conventional Bank (Buku i+ii) yang diselenggarakan oleh markplus
14. Pt. Bank sinarmas tbk. meraih predikat sangat Baik kategori gcg terbaik Perusahaan tBk (swasta) di indonesia dalam acara indonesia Good Corporate Governance Award ii-2016 yang diselenggarakan oleh majalah Economic Review bertempat di Balai kartini, Jakarta.
15. top it & telco 2016 menganugerahi Pt. Bank sinarmas tbk. predikat Top IT Implementation on Bank Sector 2016
16. majalah Economic Review menganugerahi Pt. Bank sinarmas tbk. Peringkat kedua kategori kelompok usaha Bank-Buku ii (aset >rp25t) sektor keuangan.
17. Best Company sebagai Perusahaan tertib administrasi dan iuran BPJs ketenagakerjaan Periode tahun 2016
18. Pt. Bank sinarmas tbk. meraih Juara umum iV dalam acara indonesia Good Corporate Governance Award ii-2016 yang diselenggarakan oleh majalah Economic Review bertempat di Balai kartini, Jakarta.
19. Direktur utama Pt. Bank sinarmas tbk. Freenyan k. liwang berhasil meraih Predikat The Best Minded CEO Bank 2016 dalam acara anugerah Perbankan indonesia V-2016 yang diselenggarakan oleh majalah Economic Review dan Perbanas institute, kamis 13 oktober 2016 bertempat di Balai kartini, Jakarta.
20. majalah Economic Review menganugerahi Pt. Bank sinarmas tbk. Peringkat kedua kategori kelompok usaha Bank-Buku ii (aset >rp25t) sektor keuangan.
10. In the 2015 Annual Report Award event, PT. Bank Sinarmas Tbk. was Ranked third in the Private Financial Listed category
11. At the “Indonesia Economic News For Banking Digital Innovation Award 2016” event organized by Warta Ekonomi, PT. Bank Sinarmas Tbk. received a Digital Innovation for Banking Award, in the Category Commercial Bank Buku 2 (Core Capital 1-5 Trillion)
12. PT. Bank Sinarmas Tbk. managed to break a World Records Museum-Indonesia (MURI) for Supporting the Most Syariah Mutual Fund Investors in One District
13. PT. Bank Sinarmas Tbk. again won The Champion of Bandung WOW Service Excellence Award in the category Conventional Bank (Buku I + II) from Markplus
14. PT. Bank Sinarmas Tbk. received an Excellent Award in the GCG category for Publically Listed Companies in Indonesia at the Indonesia Good Corporate Governance Award II-2016 organized by Economic Review Magazine held at Balai Kartini, Jakarta.
15. Top IT & Telco in 2016 conferred PT. Bank Sinarmas Tbk. for the Top IT Implementation on Bank Sector 2016
16. Economic Review magazine conferred PT. Bank Sinarmas Tbk. Second Place Category Bank Business Group-Book II (Assets >Rp25T) Finance Sector.
17. Best Company for BPJS Employment Administration and Dues for 2016
18. PT. Bank Sinarmas Tbk. won the General IV award at the Indonesia Good Corporate Governance Award II-2016 organized by the magazine Economic Review held at Balai Kartini, Jakarta.
19. PT. Bank Sinarmas Tbk.’s President Director Freenyan K. Liwang won The Best Minded Bank CEO 2016 award at the Indonesian Banking V-2016 event organized by the magazine Economic Review and Perbanas Institute, on Thursday, October 13, 2016 held at Balai Kartini, Jakarta.
20. The Economic Review magazine awarded PT. Bank Sinarmas Tbk. Second Place in the Bank Group-Buku II (Assets > Rp25T) Financial Sector Category.
Penghargaan Dan sertiFikasi AWARDS AND CERTIFICATIONS
PT. Bank Sinarmas Tbk. Laporan Tahunan 2016 Annual Report
Strategi pengembangan usaha yang tepat yang dilakukan
Direksi serta pengawasan aktif yang dilakukan Dewan Komisaris mengantarkan Bank Sinarmas meraih kinerja yang cukup
membanggakan di tahun 2016.
Through the right business development strategies by The Board of Directors and supervision of the board Commissioners,
Bank Sinarmas Deliver impressive achievement and performance in
2016.
Laporan Manajemen management Report
profil perusahaan Company Profile
33 annual report 2016
Para Pemegang Saham dan Pemangku Kepentingan yang Terhormat,
Puji syukur Kami panjatkan ke hadirat Tuhan yang Maha Esa atas limpahan nikmat dan karunia-Nya sehingga PT. Bank Sinarmas Tbk. dapat melalui tahun 2016 yang penuh tantangan dengan pencapaian kinerja yang cukup membanggakan. Selanjutnya, ijinkan Kami menyampaikan laporan pertanggungjawaban pelaksanaan tugas pengawasan atas pengelolaan Perusahaan yang dilakukan oleh Direksi untuk tahun buku yang berakhir pada 31 Desember 2016.
KonDiSi LingKUngan eKSTernaL Pertumbuhan ekonomi Indonesia tahun 2016 terealisasi sebesar 5,02%, lebih tinggi dibandingkan pertumbuhan ekonomi tahun sebelumnya yang sebesar 4,88%. Namun demikian, pertumbuhan industri perbankan tidak sejalan dengan pertumbuhan ekonomi nasional.
Tahun 2016, industri perbankan nasional mengalami perlambatan pertumbuhan dibandingkan tahun 2015, khususnya dalam penyaluran kredit. Hal ini disebabkan banyak industri yang terdampak oleh pelemahan ekonomi global sehingga program pengembangan usaha yang dijalankan mengalami hambatan. Industri pertambangan merupakan salah satu industri yang terkena dampak yang cukup besar. Turunnya harga komoditas pada semester pertama tahun 2016 menjadi kendala yang cukup berat bagi pelaku industrinya.
dear shareholders and stakeholders
We pray to God almighty for His abundant blessings the year that pt. Bank sinarmas tbk. came through a challenging 2016 with an encouraging performance. also, let us submit our supervisory report on the management carried out by the of the Board of directors for the fiscal year ending december 31, 2016.
ExTErnal EnvironmEnTal ConDiTionS the realization of indonesia’s economic growth in 2016 was 5.02%, higher than the economic growth of the previous year of 4.88%. However, the growth in the banking industry was not in line with national economic growth.
in 2016, the growth of national banking industry experienced a slowdown compared to 2015, especially in lending. this was due to many industries affected by the global economic weakening, thus business development programs were facing many constraints. the mining industry was one industry with fairly significant impact. the fall in commodity prices in the first half of 2016 has become a challenging obstacle for business players in that industry.
Tahun 2016 Bank Sinarmas berhasil mencatatkan pertumbuhan laba bersih yang sangat baik, yaitu
meningkat dua kali lipat dibandingkan laba bersih tahun sebelumnya, dari rp185,15 miliar tahun 2015
menjadi rp370,65 miliar.
in 2016 Bank Sinarmas managed to achieve a very good net profit growth of rp370.65 billion, double the previous year’s net profit of
rp185.15 billion.
Tata Kelola perusahaan Good Corporate Governance
Tanggung jawab Sosial perusahaan Corporate social responsibility
analisis dan pembahasan Manajemen management Discussion and analysis
Selain itu, berdasarkan data Kementerian Perindustrian, sepanjang tahun 2016 pertumbuhan industri hanya mencapai 4,4%. Pencapaian tersebut lebih rendah dari pertumbuhan industri pada tahun 2015 sebesar 5,05%.
Melambatnya pertumbuhan industri berdampak cukup signifikan terhadap industri perbankan, khususnya dalam hal penyaluran kredit.
peniLaian Kinerja DireKSi Selama tahun 2016, Bank Sinarmas mampu membukukan kinerja yang cukup membanggakan. Atas pencapaian tersebut, Dewan Komisaris memberikan apresiasi dan penghargaan yang tinggi kepada Direksi yang telah menjalankan tugas dan tanggungjawabnya dalam mengelola Bank dengan sangat baik.
Kinerja KeUangan Dan operaSionaL Menyikapi kondisi perekonomian tahun 2016 yang cukup dinamis, Direksi telah mengambil sejumlah kebijakan strategis dalam rangka meningkatkan kinerja Bank. Kebijakan strategis tersebut diambil dibawah pengawasan Dewan Komisaris.
Dengan menerapkan kebijakan strategis tersebut, Bank Sinarmas berhasil mencatatkan pertumbuhan laba bersih yang sangat baik sebesar Rp371 miliar di tahun 2016, bertumbuh 100,19%, dibandingkan laba bersih tahun 2015 sebesar Rp185 miliar.
Pertumbuhan laba bersih tersebut sejalan dengan pertumbuhan kredit yang disalurkan tahun 2016 mencapai Rp19.358 miliar atau tumbuh 10,58% dari tahun 2015 yang sebesar Rp17.507 miliar. Pencapaian tersebut berada di atas pertumbuhan kredit industri perbankan nasional sebesar 7,85%. Pertumbuhan kredit Bank Sinarmas ditopang oleh pertumbuhan kredit pada sektor perdagangan besar dan eceran yang mengalami pertumbuhan sebesar 48,63% dibandingkan tahun 2015.
Dana pihak ketiga (DPK) yang dihimpun Bank Sinarmas tahun 2016 mencapai Rp25.078 miliar, tumbuh 12,17% dibandingkan tahun 2015. Pertumbuhan DPK Bank Sinarmas juga berada di atas pertumbuhan DPK industri yang sebesar 9,60%.
Dari aspek operasional, Bank Sinarmas juga berhasil mencatat kinerja yang positif ditinjau dari pertumbuhan portofolio usaha dan produktivitas Sumber Daya Manusia.
TingKaT KeSehaTan BanK Sesuai dengan Peraturan Otoritas Jasa Keuangan Nomor 4/ POJK.03/2016 tanggal 27 Januari 2016 Tentang Penilaian Tingkat Kesehatan Bank Umum, Bank Sinarmas telah melakukan penilaian tingkat kesehatan bank dengan menggunakan pendekatan risiko (risk- based bank rating) yang mencakup 4 faktor, yaitu Profil Risiko, Good Corporate Governance, Rentabilitas (earnings) dan Permodalan (Capital).
in addition, based on data from the ministry of industry, during 2016 industrial growth only reached 4.4%, lower than the 5.05% growth in 2015.
the slowing industrial growth had a significant impact on the banking industry, especially in terms of lending.
BoarD of DirECTorS’ PErformanCE aSSESSmEnT during 2016, Bank sinarmas managed to record an encouraging performance. on these achievements, the Board of Commissioners would like to give a high appreciation to the Board of directors who has showed satisfactory performance in carrying out their duties and responsibilities in managing the Bank.
finanCial anD oPEraTional PErformanCE in response to the quite dynamic economic conditions in 2016, the Board of directors followed a number of strategic policies to improve the Bank’s performance. these strategic policies were under the supervision of the Board of Commissioners.
By implementing the strategic policies, Bank sinarmas managed to record an outstanding net profit growth at rp371 billion in 2016, grew 100.19% when compared to the net profit of rp 185 billion in 2015.
the net profit growth was in line with the loan growth in 2016 that reached rp19,358 billion, 10.58% higher than the rp17,507 billion in 2015. this achievement was above the industry’s loan growth of 7.85%. Bank sinarmas’ loan growth was supported by the wholesale and retail trade sectors that grew by 48,63% compared to 2015.
third party funds collected by Bank sinarmas in 2016 reached rp25,078 billion, growing 12.17% over year 2015, also above the industry’s growth in deposits of 9.60%.
from the operational aspect, Bank sinarmas also managed to record a positive performance in terms of business portfolio growth and human capital productivity.
Bank HEalTH lEvEl in accordance with financial services authority regulation no.4/ poJK.03/2016 dated January 27, 2016 on the assessment of Health Level of Commercial Banks, Bank sinarmas has been assessing its health level using risk approach (risk - based bank rating) which includes four factors: risk profile, Good Corporate Governance, profitability (earnings) and Capital.
LAPORAN DEwAN KOMISARIS Board of Commissioners report
Berdasarkan hasil penilaian tingkat kesehatan Bank, Bank Sinarmas memperoleh Peringkat SEHAT yang mencerminkan bahwa kondisi kesehatan Bank secara umum dinilai mampu menghadapi pengaruh negatif yang signifikan dari perubahan kondisi bisnis dan faktor eksternal lainnya.
pengawaSan TerhaDap iMpLeMenTaSi STraTegi BanK Dewan Komisaris secara aktif melakukan pengawasan terhadap implementasi strategi Bank melalui Komite-Komite yang berada di bawah Dewan Komisaris. Berdasarkan temuan, masukan dan rekomendasi dari Komite, Dewan Komisaris melakukan pembahasan dengan Direksi terkait implementasi strategi yang dijalankan Direksi untuk memastikan bahwa pengembangan usaha Bank dilakukan sesuai dengan rencana jangka menengah dan panjang yang telah ditetapkan.
Tahun 2016, Dewan Komisaris melakukan rapat gabungan dengan Direksi sebanyak 10 (sepuluh) kali. Pada kesempatan tersebut, Dewan Komisaris menyampaikan arahan dan nasihat untuk menyempurnakan proses bisnis end to end, meningkatkan prinsip kehati-hatian Bank, meningkatkan penerapan Good Corporate Governance dan Manajemen Risiko, dengan tujuan agar Bank dapat tumbuh secara sehat dan profitable, secara berkesinambungan.
panDangan aTaS proSpeK USaha perUSahaan Pada tahun 2017, pertumbuhan ekonomi Indonesia diproyeksikan berada di kisaran 5,00%-5,20%, dan tingkat inflasi diperkirakan akan berada di kisaran 4±1%. Pertumbuhan ekonomi Indonesia pada tahun 2017 diperkirakan akan lebih baik dari tahun 2016 dengan ditopang oleh kebijakan ekonomi pemerintah, program tax amnesty yang masih berlanjut serta kinerja ekspor yang membaik seiring dengan meningkatnya harga komoditas. Perekonomian Indonesia dipengaruhi oleh perekonomian global, dimana pada tahun 2017 diprediksikan membaik meskipun masih dipenuhi oleh ketidakpastian, misalnya dengan adanya pergerakan suku bunga global sebagai dampak dari naiknya suku bunga acuan Amerika Serikat (fed fund rate/FFR).
Sejalan dengan membaiknya pertumbuhan perekonomian Indonesia, pada tahun 2017 industri perbankan nasional diprediksi akan tetap bertumbuh. Menurut Bank Indonesia, Dana Pihak Ketiga (DPK) akan bertumbuh di kisaran 9%-11%, kredit diprediksi akan bertumbuh di kisaran 10%-12%, dan rasio NPL akan membaik dan berada di bawah 3%. Secara umum, kondisi sistem keuangan akan tetap stabil didukung oleh ketahanan industri perbankan dan stabilitas pasar keuangan yang terjaga.
Based on the assessment results of Bank’s healthy level, Bank sinarmas obtained HeaLtHY rating, which reflects that the health condition of the Bank is generally considered able to face significant negative effect deriving from changes in business conditions and other external factors.
Bank STraTEgy SuPErviSion
the Board of Commissioners actively monitored the Bank’s strategies through its supporting Committees. Based on their findings, input and recommendations, the Board of Commissioners held meetings with the Board of directors regarding the implementation of the strategies to ensure that the Bank’s business development was conducted in accordance with the established medium- and long-term plans.
in 2016, the Board of Commissioners conducted 10 (ten) joint meetings with the Board of directors. on these occasion, the Board of Commissioners gave directives and advice to enhance the end- to-end business processes, increase the Bank’s prudential principles, improve the Good Corporate Governance and risk management implementation, to enable the Bank to grow and be profitable and healthy in a sustainable way
ComPany BuSinESS ProSPECTS ovErviEw in 2017, indonesia’s economic growth is projected to be in the range of 5.00% - 5.20%, and the inflation rate is expected to be in the range of 4 ± 1%. indonesia’s economic growth in 2017 is expected to be better than in 2016, sustained by the government’s economic policy, still ongoing tax amnesty program, and the improved export performance with increasing commodity prices. indonesia’s economy affected by the global economy, which in 2017 is predicted to improve although still filled with uncertainties such as the global interest rate movement as a result of the rise in the Us benchmark rate (fed fund rate/ffr).
in line with improving economic growth in indonesia, the national banking industry is expected to keep growing in 2017. according to Bank indonesia, third party funds (dpK) will grow in the range of 9%-11%, credit is predicted to grow in the range of 10% -12%, and the npL ratio will improve and be under 3%. in general, the financial system conditions will remain stable supported by the resilience of the banking industry and the stability of financial market.
Tinjauan Unit-Unit Bisnis Overview of Business Units
Prediksi pertumbuhan perekonomian Indonesia yang lebih baik dari tahun 2016, menjadi dasar optimisme bagi Bank Sinarmas bahwa prospek usaha kedepan akan tetap kondusif dan Perusahaan akan dapat meningkatkan volume usaha. Di tahun 2017, Perusahaan akan melanjutkan program-program yang telah dijalankan sejak tahun 2016 seperti program Laku Pandai, program KUR TKI, serta program Jaring dan Ketahanan Pangan. Selain itu, Perusahaan akan terus menjalankan fungsi intermediasi, melakukan cross selling, dan meningkatkan penggunaan produk dan layanan oleh nasabah dengan memanfaatkan semua jaringan yang ada. Per akhir tahun 2016, jaringan yang dimiliki oleh Perusahaan antara lain 395 kantor, 6 unit pelayanan kas dan 3 mobil kas keliling yang tersebar di 167 kota dan kabupaten di 34 propinsi, 1.510 agent banking (Laku Pandai), mobile banking serta internet banking. Kartu ATM Bank Sinarmas dapat digunakan di semua jaringan mesin ATM lokal, maupun jaringan ATM Internasional seperti Visa, MasterCard, dan Union Pay.
Dalam menjalankan setiap aktivitas bisnis, Perusahaan akan selalu mengutamakan prinsip kehati-hatian. Dengan berbagai inisiatif yang telah disusun dan dituangkan ke dalam Rencana Bisnis Bank (RBB), efisiensi operasional serta didukung oleh pengembangan teknologi informasi, Perusahaan optimis dapat menjaga dan meningkatkan kinerja sehingga dapat memberikan nilai tambah bagi para pemangku kepentingan.
peLaKSanaan prinSip TaTa KeLoLa perUSahaan
Bank Sinarmas telah menyatakan komitmen untuk menerapkan prinsip Good Corporate Governance (GCG) dalam setiap aktivitas operasional Bank. Bank Sinarmas meyakini bahwa GCG akan menjadi kunci dalam mencapai kinerja Perusahaan yang berkelanjutan. Oleh karena itu implementasi GCG menjadi perhatian utama bagi Dewan Komisaris dalam menjalankan fungsi pengawasan dan pemberian nasehat kepada Direksi.
Dewan Komisaris mengapresiasi langkah yang dilakukan Direksi untuk terus melakukan perbaikan dan penyempurnaan terhadap struktur dan mekanisme penerapan GCG di Bank.
whiSTLeBLowing SySTeMS Bank Sinarmas telah memiliki kebijakan dan pedoman Whistleblowing system yang dituangkan dalam SK.027/2015/PRESDIR-FMD tanggal 20 Oktober 2015. Keberadaan pedoman tersebut merupakan salah satu langkah maju dalam penerapan prinsip GCG di Bank dan mengurangi kemungkinan terjadinya fraud dan pelanggaran lainnya.
Bank Sinarmas mengharuskan setiap lini unit bisnis untuk secara konsisten menjalankan fungsi pengawasan melekat dan berjenjang, serta menetapkan kebijakan dengan membuka saluran pengaduan yang dapat didayagunakan sebagai early warning systems.
the forecast that indonesia’s economic growth will become better than 2016, has grown the optimism in Bank sinarmas that the future business prospects will remain favorable and the Company will be able to increase the volume of business. in 2017, the Company will continue the programs that have been implemented since 2016 such as Laku pandai and KUr tKi program, as well as Jaring and Ketahanan pangan program. apart from that, the Company will continue to perform the intermediation function, cross selling, and increasing the use of products and services by customers by utilizing all existing networks. as of late 2016, the network owned by the Company include 395 offices, 6 service unit cash and 3 cash cars across 160 cities and regencies in 34 provinces, 1,510 banking agents (Laku pandai), mobile banking and internet banking. Bank sinarmas atm cards can be used in all local atm machines, as well as international atm networks such as Visa, masterCard, and Union pay.
in carrying out any business activity, the Company will always put forward the prudence principle. With the various initiatives that have been prepared and poured into Bank Business plan (rBB), operational efficiency and supported by the development of information technology, the Company is optimistic to be able to maintain and improve its performance to provide added value for stakeholders.
imPlEmEnTaTion of CorPoraTE govErnanCE PrinCiPlES Bank sinarmas has declared its commitment to implementing the Good Corporate Governance (GCG) principles in all operational activities of the Bank. sinarmas Bank believes that Good Corporate Governance is the key to achieving sustainable corporate performance. therefore, GCG has become a prime concern for the Board of Commissioners when performing its supervisory and advisory function with the Board of directors.
the Board of Commissioners appreciates the steps taken by the Board of directors to continue to repair and improve the GCG structure and mechanisms in the Bank.
wHiSTlEBlowing SySTEm Bank sinarmas established Whistleblowing system policies and guidelines that were set down in the sK.027/2015/presdir_fmd dated october 20, 2015. these guidelines are the first step in the implementation of corporate governance principles in the Bank to help reduce the possibility of fraud and other offenses.
Bank sinarmas requires that every business unit line consistently executes embedded and tiered control functions, as well as establishes a policy for a open channel for complaints that can be used as an early warning system.
LAPORAN DEwAN KOMISARIS Board of Commissioners report
Dewan Komisaris sepenuhnya mendukung upaya yang dilakukan manajemen Bank Sinarmas untuk meningkatkan peran whistleblowing systems agar fraud yang terjadi dapat dideteksi dan dicegah sedini mungkin.
Dewan Komisaris melalui Komite Audit turut melakukan pengawasan terhadap penerapan dan pengelolaan whistleblowing systems di Bank Sinarmas. Agar penerapan whistleblowing systems di Bank Sinarmas dapat lebih efektif, Dewan Komisaris menyarankan kepada manajemen untuk terus melakukan sosialisasi kepada semua lini organisasi terkait keberadaan dan mekanisme whistleblowing systems yang ada di Bank Sinarmas.
peniLaian aTaS Kinerja KoMiTe Di Bawah Dewan KoMiSariS Dalam menjalankan tugas dan tanggungjawabnya, Dewan Komisaris dibantu oleh Komite yang berada di bawah Dewan Komisaris, yaitu Komite Audit, Komite Pemantau Risiko dan Komite Nominasi dan Remunerasi , yang seluruhnya diketuai oleh Komisaris Independen.
Dewan Komisaris menilai Komite-Komite tersebut telah menjalankan tugas dan tanggung jawabnya dengan baik dalam membantu Dewan Komisaris menjalankan fungsi pengawasan terhadap pengelolaan Bank yang dilakukan oleh Direksi.
KoMiTe aUDiT Tahun 2016 Komite Audit telah melakukan hal-hal sebagai berikut: 1. Melakukan evaluasi terhadap program kerja SKAI tahun 2016 2. Mengadakan rapat-rapat membahas hasil pemeriksaan SKAI
atas kantor-kantor cabang dan unit kerja sebagaimana program kerja SKAI tahun 2016
3. Memberikan rekomendasi kepada manajemen untuk menindaklanjuti hasil temuan SKAI
4. Melakukan monitoring tindaklanjut rekomendasi Komite Audit kepada manajemen terhadap hasil temuan SKAI
5. Melakukan evaluasi terhadap implementasi kebijakan akuntansi terbaru dan kegiatan korporasi yang akan dilaksanakan
6. Mengadakan rapat-rapat dengan Akuntan Publik guna membahas sifat dan lingkup audit serta temuan-temuan Akuntan Publik dalam pelaksanaan audit tahun buku 2015
7. Melakukan evaluasi terhadap kinerja Kantor Akuntan Publik (KAP) dan memberi rekomendasi penunjukkan KAP untuk audit tahun buku 2016
KoMiTe peManTaU riSiKo Selama periode 2016, Komite Pemantau Risiko telah melakukan tindakan-tindakan antara lain: 1. Mengevaluasi kebijakan Manajemen Risiko Bank dan kebijakan
internal lainnya yang terkait dengan pelaksanaan Manajemen Risiko, sesuai ketentuan regulator.
the Board of Commissioners fully supports the efforts made by Bank sinarmas management to enhance the role of the whistleblowing system to detect and prevent fraud as early as possible.
the Board of Commissioners, through the audit Committee, helped to supervise the implementation and management of the whistleblowing system in Bank sinarmas. to make the whistleblowing system in Bank sinarmas more effective, the Board of Commissioners suggested that the management continue to disseminate, to all organizational lines, the presence and mechanisms of Bank sinarmas, whistleblowing system.
CommiTTEES BElow THE BoarD of CommiSSionErS PErformanCE aSSESSmEnT in carrying out its duties and responsibilities, the Board of Commissioners is assisted by Committees, namely the audit Committee, risk monitoring Committee and nomination and remuneration Committee, which are all chaired by an independent Commissioner.
the Board of Commissioners has assessed these committees in the performance of their duties and responsibilities to help the Board of Commissioners exercise its oversight duty over the management conducted by the Board of directors.
auDiT CommiTTEE in 2016, the audit Committee carried out the following: 1. evaluated the 2016 internal audit Unit (sKai) work program 2. Held meetings to discuss the sKai results for the branches and
units as well as the sKai 2016 work program
3. provided recommendations to the management to follow up the sKai findings
4. monitored the follow up of sKai recommendations to the audit Committee on the management findings
5. evaluated that the implementation of the latest accounting policies and corporate activities had been carried out
6. Held meetings with the public accountant to discuss the nature and scope of the audit and their findings during the 2015 financial year audit
7. evaluated the public accounting firm (Kap) performance and made recommendations for the appointment of a firm for the 2016 financial year audit
riSk moniToring CommiTTEE during 2016, the risk monitoring Committee carried out the following:
1. evaluated the Bank’s risk managem

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