dasar penerapan tata kelola perusahaan

Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
DASAR PENERAPAN TATA KELOLA PERUSAHAAN
The Basis of Corporate Governance Implementation
Penerapan prinsip-prinsip tata kelola perusahaan yang baik atau
Good Corporate Governance (GCG) dalam kelangsungan bisnis di
industri perbankan merupakan hal yang fundamental. Berdasarkan
hal tersebut, Bank Sinarmas berkomitmen untuk menjadikan
prinsip-prinsip GCG sebagai acuan di seluruh tingkatan dan
jenjang organisasi. Bank Sinarmas menyadari bahwa
terlaksananya prinsip-prinsip GCG secara konsisten akan
memperkuat posisi daya saing, meningkatkan kinerja serta
meningkatkan kepercayaan para pemegang saham dan Stakeholder
lainnya.
The implementation of good corporate governance (GCG) principle
for business sustainability in banking industry is a
fundamental aspect. Based on that, Bank Sinarmas is committed to
manifest GCG principles as a guideline in all organization levels.
Bank Sinarmas realizes that the consistent implementation of GCG
principles will strengthen the Company’s competitiveness, increase
performance and trust from its stakeholders.
Penerapan GCG Bank Sinarmas berpedoman pada ketentuanketentuan sebagai berikut:
The GCG implementation of Bank Sinarmas complies to these
following regulations:
1. Undang-undang No. 40 tahun 2007 tentang Perseroan
1. The Law No. 40 Year 2007 on Liability Limited Company
Terbatas.
2. Undang-undang No. 8 tahun 1995 tentang Pasar Modal.
2. The Law No. 8 Year 1995 on Capital Market
3. Peraturan Bank Indonesia.
3. The regulations of Bank of Indonesia
4. Peraturan Bapepam-LK.
4. The regulations of Bapepam-LK
5. Peraturan Bursa Efek Indonesia.
5. The regulations of Indonesian Stock Exchange
6. Peraturan Otoritas Jasa Keuangan.
7. Pedoman GCG Komite Nasional Kebijakan Governance
6. The regulations of Financial Services Authority
(KNKG).
Bank Sinarmas telah melaksanakan sistem tata kelola perusahaan
yang baik sehingga Manajemen dapat mempertanggungjawabkan
akuntabilitas keuangan, transparansi dan perilaku yang sesuai
dengan kode etik kepada para pemangku kepentingan melalui
penentuan strategi bisnis dan keputusan-keputusan penting yang
diawasinya. Organ tertinggi tata kelola perusahaan adalah Rapat
Umum Pemegang Saham (RUPS), yang dapat menunjuk Dewan
Komisaris untuk memantau pelaksanaan tugas Direksi dalam
mengawasi pengelolaan perusahaan. Kami berkomitmen tinggi
dalam penerapan GCG yang efektif sesuai dengan pedoman yang
dikeluarkan oleh Komite Nasional Kebijakan Governance
(KNKG), yaitu Transparansi, Akuntabilitas, Tanggung Jawab,
Independensi, dan Kewajaran.
Prinsip-prinsip GCG menjadi perangkat standar yang bertujuan
untuk memperbaiki citra, efisiensi, efektivitas, dan tanggung jawab
sosial Bank Sinarmas. Secara umum, prinsip-prinsip GCG yang
diterapkan oleh Bank Sinarmas tercermin dalam aspek- aspek
berikut:
288
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
7. The GCG Guidelines of National Committee of Governance
Policy (KNKG)
Bank Sinarmas has conducted a good corporate governance, thus
Management could uphold the accountability and transparency of
financial matters, as well as demonstrate an ethical behaviour to its
stakeholders through business strategy and important decisions.
The highest organ of corporate governance is GMS, which is able
to appoint Board of Commissioners to supervise the
implementation of duties and responsibilities of Board of Directors.
We are high-committed in implementing effective GCG practice
according to the principles stated of KNKG, known as
transparency, accountability, responsibility, fairness and
independency.
The GCG principles become the main system which function to
improve reputation, efficiency, effectivity and social responsibility
of Bank Sinarmas. Generally, the GCG principles conducted by
Bank Sinarmas are clearly demonstrated by these principles:
Tinjauan Unit-Unit Bisnis
Business
OverviewReview
of Business Units
Perusah
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Responsibility
Tata
KelolaPerusahaan
Perusahaan
Tata Kelola
Good
CorporateGovernance
Governance
Good Corporate
Laporan Keuangan Konsolidasi
Statement
Consolidated Financial Statement
• Transparansi
 Transparency
Bank Sinarmas is committed to share information clearly,
openly, and accurately for its stakeholders and shareholders.
The transparency process is strictly bound to the confidential
Bank Sinarmas berkomitmen untuk memberikan
informasi secara jelas, terbuka, dan akurat demi
kepentingan pemegang saham dan Stakeholders.
Proses keterbukaan tersebut tetap memperhatikan
information of the Company, position and personal rights
according to the prevailing regulations.
ketentuan terkait rahasia Bank, rahasia jabatan, dan
hak- hak pribadi sesuai dengan peraturan yang
berlaku.
• Akuntabilitas

Dengan menerapkan prinsip akuntabilitas maka
fungsi, tugas, wewenang dan pertanggungjawaban
disetiap masing-masing organ Bank akan semakin
jelas.
• Tanggung Jawab
Accountability
By being accountable, the function, duties and responsibilities
held by each organ of the Bank will be understandable.

Responsibility
The Company complies to the prevailing rules and regulations,
conduct its responsibilities to communities and environment to
improve the long-term sustainable business process and being
acknowledged as a good corporate citizen.
Perusahaan mematuhi peraturan perundangundangan serta melaksanakan tanggung jawab
terhadap masyarakat dan lingkungan sehingga dapat
memelihara kesinambungan usaha dalam jangka
panjang dan mendapat pengakuan sebagai good
corporate citizen.
• Kewajaran

In conducting business activities, the Company prioritizes the
Dalam melaksanakan kegiatan usaha, Perusahaan
senantiasa memperhatikan kepentingan pemegang
saham dan pemangku kepentingan lainnya
berdasarkan asas kewajaran dan kesetaraan.
• Independensi
Untuk melancarkan pelaksanaan asas GCG,
Perusahaan dikelola secara independen sehingga
masing-masing organ perusahaan selalu berusaha
untuk obyektif dalam setiap pengambilan keputusan
serta mengedepankan profesionalisme, kemandirian,
dan objektifitas agar tidak saling mendominasi dan
tidak dapat diintervensi oleh pihak lain.
Fairness
interest of shareholders and other stakeholders.

Independency
In order to implement GCG principles, the Company is
managed independently; thus each organ of the Company
strives to act in an objective manner in every decision-making.
The Company also upholds professionalism, independency
and objectivity in order not to be dominant, as well as
intervene and being intervened by others.
Annual Report 2014 | PT. Bank Sinarmas Tbk.
Annual Report 2014 | PT. BANK SINARMAS Tbk.
289
289
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
IMPLEMENTASI TATA
KELOLA PERUSAHAAN
THE IMPLEMENTATION OF
CORPORATE GOVERNANCE
Bank Sinarmas selalu berusaha menerapkan prinsip-prinsip GCG
Bank Sinarmas also strives to implement GCG principles in every
line of business of the Company to create an effective, efficient and
sustainable governance.
di setiap aspek bisnis dan semua lini Perseroan. Penerapan prinsip
ini dilakukan untuk menciptakan tata kelola yang efektif, efisien dan
berkesinambungan.
Prinsip / Principles
Transparansi /
Transparency
Implementasi / Implementation
•
Menyampaikan pengumuman laporan keuangan publikasi triwulan melalui surat kabar harian berbahasa
Indonesia paling sedikit 1 (satu) surat kabar yang beredar secara nasional.
Announce the Q3 financial report through Indonesian daily newspaper, at least 1 (one) newspaper which
circulates in national scope.
Menyampaikan laporan tahunan Bank kepada Bank Indonesia, Yayasan Lembaga Konsumen Indonesia, Lembaga
Pemeringkat di Indonesia, Asosiasi Perbankan di Indonesia, Lembaga Pengembangan Perbankan Indonesia, 2 (dua)
Lembaga Penelitian Ekonomi dan Keuangan, dan 2 (dua) Majalah Ekonomi dan Keuangan.
Bank Sinarmas also submitted annual reports to the Bank of Indonesia, Indonesian Consumers Foundation,
Indonesia Rating Agencies, Indonesian Banking Association, Indonesia Banking Development Institute, 2 (two)
Research Institutes on Economy and Finance, 2 (two) Economic and Finance Magazines.
•
Akuntabilitas /
Accountability
•
Tanggung jawab
•
Menetapkan tanggung jawab yang jelas dari masing-masing organ Bank yang selaras dengan visi, misi, sasaran usaha,
dan strategi Bank Sinarmas.
Specify obvious responsibility for each organ of the Bank in accordance with the vision, mission, business targets and
strategies of Bank Sinarmas.
• Menerapkan check and balance system.
Implement check and balance system.
• Memiliki ukuran kinerja dari semua jajaran berdasarkan ukuran yang disepakati, konsisten dengan nilai-nilai
perusahaan (corporate values), sasaran usaha, dan strategi Bank, serta memiliki sistem reward dan punishment.
Conduct performance indicators from all levels according to the agreed aspects, being consistent with corporate values,
business targets and strategies, also conduct reward and punishment system.
• Meyakini bahwa semua organ pada struktur organisasi Bank mempunyai kompetensi yang sesuai dengan
tanggung jawab dan memahami perannya dalam implementasi GCG.
Trust that every organ in the Bank’s organizational structure has the right competence based on its responsibilities
and understand its role in implementing GCG principles.
Berpegang pada prinsip kehati-hatian (prudential banking practices) dan menjamin kepatuhan terhadap peraturan yang
berlaku.
Uphold the principle of prudential banking practices and guarantees its compliance with the prevailing regulations.
Peduli terhadap lingkungan dan tidak melupakan tanggung jawab sosialnya terhadap masyarakat.
Taking care of the environment and conduct its social responsibility to the communities.
•
Kewajaran
Senantiasa memenuhi segala hak-hak seluruh pemegang saham maupun Stakeholders lainnya secara wajar dan setara, sehingga
tidak terjadi dominasi yang tidak wajar dari pihak manapun. Bank Sinarmas juga memberikan kesempatan kepada seluruh
Stakeholders untuk menyampaikan pendapat dan masukan untuk kepentingan Perseroan. Continuously fulfills all
shareholders rights and other stakeholders in a fair and equal manner, in order to prevent dominance from any parties.
Bank Sinarmas provides equal opportunities to all stakeholders in giving opinions and responses for the Company’s
interest.
•
Independensi
•
•
•
290
Senantiasa menghindari terjadinya dominasi yang tidak wajar oleh Stakeholders mana pun.
Constantly avoids flawed domination from any stakeholders.
Berusaha untuk tidak terpengaruh oleh kepentingan sepihak.
Tries to not be affected by certain interest.
Membebaskan diri dari benturan kepentingan (conflict of interest).
Avoid conflict of interest.
Berusaha mengambil keputusan secara objektif dan bebas dari segala tekanan.
Tries to make decision in an objective way and without any pressure.
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
PENILAIAN TATA
KELOLA PERUSAHAAN
CORPORATE GOVERNANCE
ASSESSMENT
Sebagai bentuk upaya peningkatan dan perbaikan kualitas dalam
melaksanakan GCG, Bank Sinarmas secara berkala melakukan self
assessment secara komprehensif. Di samping bertujuan untuk
memantau dan mengevaluasi pelaksanaan GCG yang sudah
berjalan, penilaian ini juga berfungsi sebagai upaya pengembangan
dan perbaikan tata kelola perusahaan yang
berkelanjutan,
termasuk di dalamnya pengambilan tindak korektif (corrective
In order to improve the quality of GCG implementation, Bank
Sinarmas regularly conducts a comprehensive self- assessment.
Aside from supervising and evaluating the current GCG
implementation, the assessment functions as a method of
development and improvement of sustainable corporate
governance, including corrective action if needed due to achieve
better result.
action) apabila diperlukan guna mendapatkan hasil yang lebih
sempurna.
Indikator Penilaian GCG
Indikator penilaian GCG didasarkan pada 11 aspek yang
membangun penguatan GCG antara lain:
GCG Assessment Indicators
The indicators of GCG assessment are based on 11 aspects
which contributes to strengthen GCG practice, namely:
1. Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris
1. The implementation of duties and responsibilities of Board of
Commissioners
2. Pelaksanaan Tugas dan Tanggung Jawab Direksi
2. The implementation of duties and responsibilities of Board of
Directors
3. Kelengkapan dan Pelaksanaan Tugas Komite
3. Tasks completion and implementation of committees
4. Penanganan Benturan Kepentingan
4. Confict of interest management
5. Penerapan Fungsi Kepatuhan Bank
5. The implementation of the Bank’s compliance
6. Penerapan Fungsi Audit Intern
6. The implementation of Internal Audit function
7. Penerapan Fungsi Audit Ekstern
7. The implementation of External Audit function
8. Penerapan Manajemen Risiko termasuk Sistem Pengendalian
8. The implementation of Risk Management and Internal
Intern
9. Penyediaan Dana Kepada Pihak Terkait (Related Party) dan
9. Fund Provision to Related Party and Large Exposures
Control System function
Penyediaan Dana Besar (Large Exposures)
10. Transparansi Kondisi Keuangan dan Non Keuangan Bank,
Laporan Pelaksanaan GCG dan Pelaporan Internal
10. The transparency of financial and non financial condition of the
Bank, GCG implementation report and internal report
11. Rencana Strategis Bank
11. The Bank’s strategic plan
Kesimpulan Umum Hasil Self Assessment Pelaksanaan
General Summary of Self-Assessment Result of GCG
GGC
Implementation
Hasil Penilaian Sendiri Pelaksanaan GCG / The GCG implementation Self-Assessment Result
Peringkat / Rating
Individual
2
Definisi Peringkat / Rating Definition
Secara umum, mencerminkan Manajemen Bank telah melakukan penerapan GCG
yang baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip-prinsip GCG.
Apabila terdapat kelemahan dalam penerapan prinsip GCG, maka secara umum
kelemahan tersebut kurang signifikan dan dapat diselesaikan dengan tindakan
normal oleh Manajemen Bank.
In general, The Bank’s management has implemented a Good corporate governance.
The result is shown by the compliance of the Company in implementing GCG
principles, therefore any flaws in the process are considered to be insignificant and
could be managed by the Bank.
Annual Report 2014 | PT. BANK SINARMAS Tbk.
291
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
PETA ARAH TATA
KELOLA PERUSAHAAN
MAP OF THE CORPORATE
GOVERNANCE DIRECTION
Perusahaan menyadari penerapan GCG secara berkesinambungan
dalam persaingan usaha yang semakin kompetitif merupakan hal
yang sangat penting. Oleh karena itu, Perusahaan merumuskan
The Company is aware that a sustainable implementation of GCG
pelaksanaan GCG dalam suatu peta arah tata kelola perusahaan
sesuai dengan acuan dari Otoritas Jasa Keuangan (OJK) dengan
tujuan akhir menjadikan Perusahaan sebagai salah satu good
corporate citizen.
within the more competitive business condition is very important.
Therefore, the Company has drafted its GCG implementation
within a corporate governance direction map in line with the
guidelines set by the Financial Services Authority (OJK) which
aims to direct the Company to become a part of good corporate
citizen in the future.
STRUKTUR TATA
KELOLA PERUSAHAAN
THE CORPORATE
GOVERNANCE STRUCTURE
Struktur tata kelola perusahaan memiliki peranan penting dalam
Corporate governance structure has an important role in succeeding
keberhasilan pelaksanaan GCG. Fungsi dari organ- organ Bank
the implementation of GCG practice. The function of the Bank’s
dijalankan sesuai dengan peraturan perundang- undangan yang
organs is conducted within the prevailing regulations, the Bank’s
berlaku, Anggaran Dasar Bank, dan ketentuan lainnya yang
Article of Association, and other rules and policies which are based
didasari
on independency principle in doing each task, function, and
prinsip
independensi
bagi
setiap
organ
untuk
responsibility.
melaksanakan tugas, fungsi, dan tanggung jawab.
RUPS
Dewan Komisaris
Board of Commissioner
Komite Audit
Audit Committee
Komite Pemantauan
Risiko
Komite Remunerasi dan
Nominasi
Komite Good Corporate
Governance
Direksi
Board of Director
Sekretaris Perusahaan
Satuan Kerja Audit
Intern
Satuan Kerja Kepatuhan
Satuan Kerja Manajemen
Risiko
Asset & Liability Management
Commitee (ALCO)
Komite Kredit
Komite Informasi
Teknologi
Komite Manajemen
Risiko
Komite Human Capital
Management (HCM)
292
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
RAPAT UMUM
PEMEGANG SAHAM
(RUPS)
GENERAL MEETING
OF SHAREHOLDERDS
(GMS)
Rapat Umum Pemegang Saham (RUPS) merupakan organ tertinggi
The General Meeting of Shareholders (GMS) is the highest organ in
dalam Perseroan. RUPS merupakan organ yang memiliki
kewenangan yang tidak diberikan kepada Direksi ataupun Dewan
Komisaris dalam batas yang ditentukan menurut Undang-Undang
Perseroan Terbatas dan/atau Anggaran Dasar Perseroan. Melalui
RUPS, para pemegang saham dapat mengemukakan pendapat dan
ikut andil dalam pengambilan keputusan-keputusan penting.
RUPS juga menjadi forum evaluasi kinerja Direksi dan Dewan
Komisaris dengan memperhatikan seluruh aspek operasional
perusahaan, baik dari kinerja ekonomi, sosial, maupun lingkungan.
the Company. GMS holds several rights which are not owned by the
Board of Directors and/or Board of Commissioners in a set
boundaries within The Law of Liability Limited Company and the
Article of Association of the Company. Through GMS, the
shareholders deliver their opinions and participated in important
decision-making. GMS also serves a forum to evaluate the
performance of Board of Directors and Board of
Commissioners by considering all operational aspects of the
Company, including economic, social, and environmental aspects.
Sebagaimana diatur dalam Undang-Undang No. 40 tahun 2007
tentang Perseroan Terbatas dan Anggaran Dasar Perseroan, RUPS
dibagi menjadi 2 (dua), yaitu:
The Law No. 40 Year 2007 of Public Company and the Company’s
Article of Association stipulates that GMS was classified as 2
(two):
1. RUPS Tahunan
RUPS Tahunan wajib dilaksanakan selambat-lambatnya 6 (enam)
bulan setelah tahun buku berakhir. Dalam rapat tersebut, Direksi
wajib menyampaikan hal-hal sebagai berikut:
1. Annual GMS (AGM)
Annual GMS is bound to be held no later than six months after the
end of fiscal year, in which Board of Directors reports the
following issues:
1. Laporan Tahunan.
1. Annual Report
2. Mengemukakan pendapat mengenai penggunaan laba
2. Proposal on profit utilization in the presence of positive profit.
Perseroan, apabila Perseroan memiliki laba positif.
3. Mengemukakan pendapat mengenai penetapan akuntan publik
untuk mengaudit tahun buku Perseroan yang sedang
berjalan berdasarkan usulan dari Dewan Komisaris atau
memberikan kuasa kepada Dewan Komisaris untuk
menetapkan akuntan publik.
3.
4. Hal-hal lain yang memerlukan persetujuan RUPS untuk
4. Other issues which need approval from the GMS for the
kepentingan Perseroan dengan tetap memperhatikan ketentuan
dalam Anggaran Dasar.
2. RUPS Luar Biasa
Ketetapan untuk mengadakan RUPS Luar Biasa tidak terikat.
RUPS Luar Biasa dapat diadakan setiap waktu sesuai dengan
kebutuhan Perseroan. Berdasarkan Akta No. 31 tanggal 6 April
2010, diatur dalam Pasal 10, Direksi dapat menyelenggarakan
RUPS Tahunan dan RUPS Luar Biasa dengan terlebih dahulu
The
appointment
of
public
accountant
to
audit
the
ongoing fiscal year based on suggestions from Board of
Commissioners or the authorization of
Commissioners to appoint a public accountant.
Board
of
Company’s interest.
2. Extraordinary GMS (EGM)
Other GMS shall be held at any time based on the Company’s
needs. Pursuant to Article 24 Article of Association, Board of
Directors may held Annual GMS and other GMS by submitting
Announcement and Meeting Call through printed media.
menyampaikan Pengumuman dan Pemanggilan Rapat melalui
media cetak.
Annual Report 2014 | PT. BANK SINARMAS Tbk.
293
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Tata Cara Penyelenggaraan RUPS
Tata cara penyelenggaraan RUPS adalah sebagai berikut:
Procedures in Convening GMS
The procedures in convening GMS are described as follows:
1.
Perseroan terlebih dahulu menyampaikan agenda RUPS
Tahunan 2014 secara jelas dan rinci kepada OJK (dahulu
Badan Pengawas Pasar Modal dan Lembaga Keuangan),
selambat-lambatnya 7 (tujuh) hari sebelum pengumuman
1. The Company shall give prior notice concerning the agenda of
AGM 2014 clearly and in detail to Financial Services Authority
(formerly Bapepam-LK) no later than 7 (seven) days before the
announcement is published. This process shall be conducted as
melalui iklan dilakukan. Hal ini dilakukan sebagaimana yang
telah diatur dalam peraturan No. IX.I.1 tentang Rencana dan
Pelaksanaan Rapat Umum Pemegang Saham
it is stipulated in Rules No. IX.I.1 on the Plan and Convention of
General Meeting of Shareholders - attachment from the
Decision of Ketua Badan Pengawas Pasar Modal No. Kep60/PM/1996 dated January 17, 1996.
- lampiran dari Keputusan Ketua Badan Pengawas Pasar
Modal No. Kep-60/PM/1996 tanggal 17 Januari 1996.
2.
Pemanggilan RUPS dilakukan dengan menggunakan surat
tercatat atau iklan surat kabar paling lambat diterbitkan 14
(empat belas) hari sebelum tanggal RUPS diadakan, dengan
tidak memperhitungkan tanggal pemanggilan dan tanggal
dilaksanakannya RUPS 14 (empat belas) hari sebelum
melakukan pemanggilan, Perseroan wajib melakukan
pemberitahuan bahwa akan diadakan pemanggilan untuk
RUPS.
Selanjutnya setelah pelaksanaan RUPS, Perseroan wajib
3.
4.
2. The invitation for GMS is submitted in writing or advertised in
daily newspaper no later than 14 (fourteen) days prior to the
date of GMS, by excluding the date of announcement and the
date of GMS. Within 14 (fourteen) days before the
announcement, the Company shall give an announcement of
the invitation for GMS.
3. Subsequently after the implementation of the GMS, the
melaporkan hasil Rapat kepada OJK dan Bursa Efek
Indonesia paling lambat 2 (dua) hari kerja setelah Rapat
diselenggarakan serta mengumumkannya kepada publik
sekurang-kurangnya dalam 2 (dua) surat kabar berbahasa
Indonesia, yang salah satu di antara diterbitkan secara
nasional.
Company should report the meeting results to Financial
Services Authority and Indonesian Stock Exchange no later
than two (2) working days after the meeting is convened and
announced it to the public in at least 2 (two) Indonesian
newspapers, one of which is circulated nationally.
Setiap saham yang dikeluarkan memiliki 1 (satu) hak suara,
4. Each share issued has 1 (one) voting rights, except if, unless the
Articles of Association determines otherwise.
kecuali jika Anggaran Dasar menentukan lain.
Berikut merupakan tahapan penyelenggaraan RUPS Tahunan
Bank Sinarmas 2014 yaitu:
In 2014, the process of AGM convention of Bank Sinarmas is
described as follows:
1. Pemberitahuan kepada OJK dan Bursa Efek Indonesia mengenai
RUPS Tahunan Bank Sinarmas 2014.
1.
2. Pengumuman melalui media cetak dan media elektronik.
2. Announcement through printed and electronic media.
3. Pemanggilan melalui media cetak dan media elektronik.
3. Invitation through printed and electronic media.
Tahapan penyelenggaraan RUPS
GMS Procedures
Notification to Financial Services Authority and Indonesian
Stock Exchange regarding to the Annual GMS of Bank
Sinarmas.
RUPS / GMS
Pemberitahuan /
Notification
Pengumuman /
Announcement
Pemanggilan /
Invitation
Tahunan /
Annual
6 Mei 2014 /
May 6, 2014
13 Mei 2014 /
May 13, 2014
Luar Biasa /
Extraordinary
6 Mei 2014 /
May 6, 2014
13 Mei 2014 /
May 13, 2014
294
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Pelaksanaan /
Event
Hasil / Result
28 Mei 2014/
May 28, 2014
13 Juni 2014 /
June 13, 2014
17 Juni 2014 /
June 17, 2014
28 Mei 2014/
May 28, 2014
13 Juni 2014 /
June 13, 2014
17 Juni 2014 /
June 17, 2014
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Pelaksanaan RUPS
Sepanjang 2014, Perseroan telah mengadakan RUPS sebanyak
2 (dua) kali yaitu RUPS tahunan dan RUPS Luar Biasa untuk
tahun buku 2013 yang dilakukan bersama pada 13 Juni 2014,
bertempat di Sinar Mas Land Plaza, Tower II, Lantai 39, Ruang
Paseo, Jalan MH. Thamrin Nomor 51, Jakarta. Jumlah saham
dengan hak suara yang hadir atau diwakili telah memenuhi kuorum
dalam RUPS.
GMS Convention
During 2014, the Company has convened 2 (two) GMS, known to
be AGM and EGM for the fiscal year of 2014 which was held on
June 13, 2014, located at Sinar Mas Land Plaza, Tower II,
39th Floor, Paseo Room, Jalan M.H. Thamrin No. 51, Jakarta.
Total shares of participated or represented voting in the meeting has
met the quorum required in GMS.
Agenda RUPS Tahunan dan Luar Biasa Bank Sinarmas 2014
The agenda of the 2014 AGM and EGM of Bank Sinarmas are
adalah sebagai berikut:
described as follows:
Agenda RUPS / GMS Agenda
Tahunan / Annual
No.
No.
Luar Biasa / Extraordinary
1.
Laporan tahunan Direksi untuk tahun buku 2013
The Annual Report of Board of Directors for the fiscal year of
2013
1.
Perubahan susunan Dewan Komisaris dan Direksi Perseroan
/ The change composition of Board of Commissioners and
Board of Directors
2.
Pengesahan perhitungan tahunan (neraca dan perhitungan
laba/rugi)
The ratification of annual calculation (balance sheet) and
profit/loss calculation)
2.
Perubahan Anggaran Dasar Perseroan / The change of Article of
Association
3.
Penegasan penggunaan laba perseroan untuk tahun buku
2013
The decision of profit utilization of the Company for the fiscal
year of 2013
3.
Persetujuan Penambahan Modal Tanpa Hak Memesan Efek
Terlebih Dahulu / Approval on the increase in capital without
pre-emptive rights
4.
Penunjukan Kantor Akuntan Publik untuk melakukan
pemeriksaan pembukuan 2014
The appointment of Public Accountant Firm for the
verification of 2014 financial report
4.
Laporan realisasi penggunaan dana Penawaran Umum Terbatas
I / Report on the realization of the use of proceeds from Limited
Public Offering
5.
Penetapan gaji para anggota Direksi dan honorarium Dewan
Komisaris Perseroan
Determination of salary for members of the Board of Directors
and honorarium of the Board of Commissioners of the Company
The Decision and Realization of AGM 2014
Hasil Keputusan RUPS Tahunan 2014 dan Realisasi
Agenda
Keputusan / Decision
Realisasi / Realization
Pertama /
First
Menerima dan menyetujui Laporan Tahunan Direksi untuk tahun buku yang berakhir 31 Desember
2013.
Accepted and approved the Annual Report for Board of Directors for the year ended in December
31, 2013.
Sudah terealisasi
Realized
Kedua /
Second
Mengesahkan Perhitungan Tahunan (Neraca dan Perhitungan Rugi/Laba) untuk tahun buku yang
berakhir pada 31 Desember 2013 serta memberikan pembebasan tanggung jawab kepada para anggota
Direksi dan Dewan Komisaris atas pengurusan dan pengawasan (acquit et de charge) yang telah
dijalankan untuk tahun buku yang berakhir pada 31 Desember 2013.
Validated the annual calculation (balance sheet and calculation of profit/loss) for the year ended in
December 31, 2013 also give freedom of responsibility to members of Board of Directors and Board
of Commissioners upon the duties of management and supervisory (acquit et de charge) which was
implemented for the year ended in December 31, 2013.
Sudah terealisasi
Realized
Annual Report 2014 | PT. BANK SINARMAS Tbk.
295
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Agenda
Keputusan / Decision
Ketiga / Third Menyetujui penggunaan laba Perseroan untuk tahun buku yang berakhir pada 31 Desember 2013 sebesar
Rp221.099.313.298 (dua ratus dua puluh satu miliar sembilan puluh sembilan juta tiga ratus tiga belas
ribu dua ratus sembilan puluh delapan rupiah) sebagai berikut:
a. Sebesar Rp500.000.000 (lima ratus juta rupiah) untuk dana cadangan sesuai dengan ketentuan
pasal 70 ayat 1 Undang-undang Nomor 40 Tahun 2007 dan pasal 23 anggaran dasar Perseroan.
b. Sisa laba bersih Perseroan sejumlah Rp220.599.313.298 (dua ratus dua puluh miliar lima ratus
sembilan puluh sembilan juta tiga ratus tiga belas ribu dua ratus sembilan puluh
delapan rupiah) akan dipergunakan untuk membiayai operasional Perseroan dan memperkuat
Permodalan Perseroan dan dicatat sebagai Laba yang Ditahan, sesuai dengan pasal 23 ayat
3 akan dikelola oleh Direksi dengan cara yang tepat menurut pertimbangan Direksi, setelah
memeroleh persetujuan Dewan Komisaris.
c. Memberikan wewenang kepada Direksi Perseroan untuk mengatur, melaksanakan, dan menjalankan
tindakan-tindakan yang diperlukan sehubungan dengan penggunaan laba bersih
Perseroan tersebut diatas sesuai dengan ketentuan hukum dan peraturan yang berlaku.
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Realisasi / Realization
a. Penyisihan Dana
cadangan untuk
tahun buku 2013
telah dibukukan.
b. Sisa laba bersih telah
dicatat sebagai Laba
yang Ditahan dan telah
dibukukan.
Approved the utilization of the Company’s profit for the year ended in December 31, 2013
amounted to Rp221.099.313.298 for below purposes:
a. Some IDR 500,000,000 for reserve funds according to the Regulation of Article 70 paragraph
1 of the Regulation Number 40 year 2007 and Article 23 of the Company’s Articles of
Association.
b. Remaining net profit of IDR 220,559,313,298 (two hundred twenty billion five hundred ninety nine
thousands three hundred thirteen two hundred ninety eight) will be used to finance
the Company’s operations and strengthen the Company’s capital and recorded as Retained
Earnings, according to article 23 paragraph 3, to be managed by the Board of Directors in an
appropriate consideration of the Directors after obtaining an approval of the Board of
Commissioners.
c. Assign the authority to the Board of Directors to manage and conduct actions in relevance with
the utilization of the Company’s net profit, according to the prevailing rules and regulations.
a. Allowance for reserve
fund for 2013
fiscal year has been
recorded.
b. The remaining net
profit was recorded as
Retained Earnings and
have been recorded.
Keempat /
Fourth
a. Menyetujui penunjukkan Kantor Akuntan Publik Mulyamin Sensi Suryanto dan Lianny untuk
melakukan pemeriksaan (audit) Laporan Keuangan Perseroan untuk tahun buku yang akan
berakhir pada 31 Desember 2014.
b. Memberikan kuasa kepada Direksi perseroan untuk menetapkan honorarium bagi Kantor Akuntan
Publik tersebut, serta persyaratan-persyaratan lain sehubungan dengan penunjukan Kantor Akuntan
Publik tersebut.
a. Approved the appointment of Mulyamin Sensi Suryanto and Lianny Public Accountant Firm to
conduct audit on the Company’s Financial Statement for the year ended in December 31,
2014.
b. Assign the authority to Board of Directors to stipulate honorarium for the Public Accountant
Firm, and other requirement according to the appointment of the Public Accountant Firm.
Sudah terealisasi /
Realized
Kelima / Fifth
Menyetujui pelimpahan wewenang sepenuhnya kepada Dewan Komisaris, dengan memperhatikan usul
yang diajukan oleh Komite Remunerasi dan Nominasi Perseroan, untuk menetapkan gaji para anggota
Direksi dan honorarium Dewan Komisaris Perseroan.
Approved full delegation of power to Board of Commissioners, by considering the opinion given by
Remuneration and Nomination Committee to stipulate the salary of the members of Board of Directors
and the honorarium of Board of Commissioners.
Sudah terealisasi /
Realized
296
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Hasil RUPS Luar Biasa 2014 dan Realisasi
The Result and Realization of EGM 2014
Agenda
Keputusan / Decision
Realisasi / Realization
Pertama
a. Menyetujui pengangkatan saudara Rusmin sebagai Komisaris Independen Perseroan terhitung sejak
ditutupnya RUPS Luar Biasa sampai dengan 15 Juni 2017. Masa jabatan ini berlaku efektif setelah
mendapatkan persetujuan dari Otoritas Jasa Keuangan.
b. Memberhentikan dengan hormat saudara Wimpie Rianto selaku Komisaris Independen
Perseroan dengan penghargaan dan ucapan terima kasih serta memberikan pembebasan beserta
pelunasan (acquit et de charge) kepada yang bersangkutan dan tanggung jawab
yang timbul dan tindakan-tindakan pengurusan yang telah diambil selama jangka waktu sejak
Januari 2008 sampai dengan 13 Juni 2014 sejauh tindakan yang diambil selama melakukan
pengurusan tersebut tidak bertentangan atau melanggar peraturan perundang-undangan yang
berlaku.
c. Menyetujui pengangkatan Saudara Hanafi Himawan dan Saudara Salis Teguh Hartono sebagai
Direktur Independen Perseroan.
d. Menyetujui pemberhentian dengan hormat seluruh anggota Direksi dan Dewan Komisaris
Perseroan serta memberikan pelunasan dan pembebasan (acquit et de charge) tanggung jawab
sepenuhnya selama menjalankan jabatannya sepanjang tindakan-tindakan tersebut tercermin
dalam buku-buku Perseroan dan tidak bertentangan atau melanggar peraturan perundangundangan yang berlaku serta mengucapkan terima kasih atas sumbangsih dan jasa-jasa yang
telah diberikan.
e. Menyetujui pengangkatan kembali seluruh anggota Direksi dan Dewan Komisaris Perseroan untuk
masa jabatan terhitung sejak ditutupnya rapat sampai dengan 15 Juni 2017.
Dengan demikian sejak ditutupnya rapat, susunan anggota Direksi, Dewan Komisaris dan
Dewan Pengawas Syariah Perseroan adalah sebagai berikut:
Dewan Komisaris
Komisaris Utama: Tjendrawati Widjaja
Komisaris Independen: Sammy Kristamuljana
Komisaris Independen: Rusmin
Direksi
Direktur Utama: Freenyan Liwang
Direktur: Heru Agus Wuryanto
Direktur Independen: Salis Teguh Hartono
Direktur: Loa Johnny Mailoa
Direktur: Halim
Direktur Independen: Hanafi Himawan
Dewan Pengawas Syariah Ketua:
Ali Mustafa Yaqub Anggota:
Ahmadi Bin Sukarno
f. Menunjuk dan memberi kuasa kepada Direksi dan/atau Corporate Secretary Perseroan untuk
melaksanakan keputusan tersebut di atas termasuk tetapi tidak terbatas untuk menandatangani
akta pernyataan keputusan rapat dihadapan Notaris dan memberitahukan perubahan tersebut
kepada pihak yang berwenang.
Rusmin efektif
menjabat sebagai
Komisaris Independen
setelah mendapatkan
persetujuan dari OJK
pada tanggal 19 Juni
2014
Annual Report 2014 | PT. BANK SINARMAS Tbk.
297
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Agenda
Keputusan / Decision
Realisasi / Realization
Approved the appointment of Mr. Rusmin as Independent Commissioner, effectively from the
closing of EGM until June 15, 2007.
a. Dismissed Mr. Wimpie Rianto as Independent Commissioner with respect and implement acquit et
de charge to the individual, as well as the responsibility and management actions taken during
January 2008 to June, 13, 2014, as long as the actions taken during that period of time do not
violate the prevailing regulations. Menyetujui pengangakatan Saudara Hanafi Himawan dan
Saudara Salis Teguh Hartono sebagai Direktur Independen Perseroan.
b. Approved the appointment of Mr. Hanafi Himawan and Mr. Salis Teguh Hartono as the
Company’s Independent Director.
c. Menyetujui pengangkatan kembali seluruh anggota Direksi dan Dewan Komisaris Perseroan
untuk masa jabatan terhitung sejak ditutupnya rapat sampai dengan 15 Juni 2017.
Dengan demikian sejak ditutupnya rapat, susunan anggota Direksi, Dewan Komisaris dan
Dewan Pengawas Syariah Perseroan adalah sebagai berikut:
Rusmin effectively
serves as Independent
Commissioners after
receiving approval
from Financial Services
Authority on June 19,
2014
Board of Commissioners
President Commissioner: Tjendrawati Widjaja
Independent Commissioner: Sammy Kristamuljana
Independent Commissioner: Rusmin
Board of Directors
President Director: Freenyan Liwang
Director: Heru Agus Wuryanto
Independent Director: Salis Teguh Hartono
Director: Loa Johnny Mailoa
Director: Halim
Independent Director: Hanafi Himawan
Sharia Supervisory Board Head:
Ali Mustafa Yaqub Member:
Ahmadi Bin Sukarno
d.
298
Approved and delegated the Board of Directors and/or Corporate Secretary of the Company to
implement the above decision, including but not limited to signing the deed of meeting before the
Notary and announced the changes to the authority concerned.
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Agenda
Kedua
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Keputusan / Decision
Realisasi / Realization
a. Menyetujui perubahan Anggaran Dasar Perseroan Pasal 4 ayat 2 tentang modal
b. Menyetujui perubahan Anggaran Dasar Perseroan Pasal 14 ayat 2, ayat 3, dan ayat 5 tentang
Direksi.
c. Menyetujui perubahan Anggaran Dasar Perseroan Pasal 17 ayat 2 tentang Dewan Komisaris. d.
Memberikan kewenangan kepada Direksi Perseroan untuk menyatakan keputusan-keputusan
yang telah diambil tersebut di atas ke dalam akta Notaris dan untuk maksud tersebut menghadap ke
hadapan Notaris, selanjutnya membuat atau menyuruh membuat, dan menandatangani akta,
dokumen, formulir dan/atau surat-surat lainnya yang diperlukan, mengajukan permohonan,
mengadakan segala perubahan dan/atau tambahan dalam memintakan dan karenanya mengambil
atau memperoleh persetujuan atau pemberitahuan kepada pihak yang berwenang, termasuk dari
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dan mendaftarkan dalam Daftar
Perusahaan, serta pada umumnya melakukan tindakan apapun juga yang diperlukan untuk
melaksanakan kuasa dan wewenang tersebut diatas sesuai ketentuan hukum dan peraturan
perundang-undangan yang berlaku, tanpa ada yang dikecualikan termasuk melakukan perubahan
dalam hal perubahan tersebut diisyaratkan oleh instansi yang berwenang.
Sudah terealisasi
Has been realized
a. Approved the amendment of the Company’s Articles of Association, Article 4 paragraph 2 on
capital.
b. Approved the change in the Company’s Articles of Association, Article 14 paragraph 2,
paragraph 3, and paragraph 5 about the Board of Directors.
c. Approved the change in the Company’s Articles of Association Article 17 paragraph 2
concerning the Board of Commissioners.
d. Gave authority to the Board of Directors to state the above decisions that have been
taken into notarial deed and for this purpose, attending before Notary, then make or have
somebody prepare, and sign the deed, documents, forms and/or other papers necessary, file an
appeal, make any changes and/or additions in the request and therefore take or obtain consent or
notification to the authorities, including the Minister of Justice and Human Rights
of the Republic of Indonesia and registered it in the Company Register, and in general perform any
action necessary to exercise the above power and authority in accordance with the prevailing laws
and regulations, without exception, including making changes in terms of the changes implied by the
relevant authorities.
Annual Report 2014 | PT. BANK SINARMAS Tbk.
299
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Agenda
Ketiga
Keempat
Keputusan / Decision
Realisasi / Realization
a.
Menyetujui Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu (PMTHMETD)
dengan mengeluarkan saham baru sebanyak 1.312.411.310 (satu miliar tiga ratus dua belas juta
empat ratus sebelas ribu tiga ratus sepuluh) dengan nilai nominal Rp100,- (seratus rupiah) setiap
saham atau sebanyak-banyaknya 10% (sepuluh persen) dari jumlah keseluruhan saham dari modal
yang disetor dan ditempatkan penuh oleh Perseroan;
b. Memberikan wewenang dan kuasa kepada Direksi Perseroan dengan persetujuan Dewan Komisaris
untuk melakukan segala tindakan yang diperlukan sehubungan dengan Penambahan Modal Tanpa
Hak Memesan Efek Terlebih Dahulu, tetapi tidak terbatas dalam menentukan harga pelaksanaan
Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu yang dianggap baik oleh Direksi,
membuat dan/atau minta dibuatkan segala dokumen berkaitan dengan peningkatan modal tersebut
serta meminta persetujuan dan/atau melaporkan serta melakukan pendaftaran yang diperlukan kepada
pihak yang berwenang berkaitan dengan Peningkatan Modal Tanpa Hak Memesan Efek Terlebih
Dahulu, satu dan lain hal tanpa ada pengecualian dengan mengingat ketentuan peraturan perundangundangan yang berlaku termasuk peraturan di bidang Pasar Modal.
a. Approve Capital Increase Without Preemptive Rights (PMTHMETD) by issuing new shares
amounting to 1,312,411,310 (one billion three hundred and twelve million four hundred eleven
thousand three hundred and ten) with a nominal value of Rp 100, - (one hundred dollars) per share or
maximum of 10% (ten percent) of the total number of shares of issued and fully paid- up capital of
the Company;
b. Provide authority and power to the Board of Directors with the approval of the Board of
Commissioners to perform all necessary actions in connection with the Capital Increase Without Preemption right, but not limited to determining the exercise price of the Capital Increase Without
preemptive rights Dahuluyang considered good by the Board of Directors, create and / or asked for
any documents relating to the capital increase and seek approval and / or report as well as the required
registration to the authorities relating to the capital Increase without Pre- emption right, one way or
another without any exception to the provisions of laws -undangan applicable including capital
market regulations
Menyetujui Laporan Realisasi Penggunaan Dana Penawaran Umum Terbatas I (right issue)
sebagaimana tersebut di atas untuk periode April 2013 (dua ribu tiga belas) sampai dengan Maret
2014 (dua ribu empat belas).
Approving the Report of Realization of the Use of Fund from Limited Public Offering I (right issue) as
mentioned above for April 2013 (two thousand thirteen) until March 2014 (two thousand fourteen).
Sebelum Laporan Tahunan ini diterbitkan, Perseroan
melaksanakan RUPSLB pada 24 Maret 2015 bertempat di Ruang
Paseo, Sinar Mas Land Plaza, Jakarta. Agenda RUPSLB tersebut
Sudah dilakukannya
Penambahan Modal
Tanpa Hak Memesan
Efek Terlebih Dahulu
(PMTHMETD) pada bulan
Oktober dan November
2014.
Approve Capital Increase
Without Preemptive Rights
(PMTHMETD) on October
and November,
2014
Sudah terealisasi/
Has been realized
Before the Annual Report is published, the Company will
adalah sebagai berikut:
implement an EGM on March 24, 2015 and located at Ruang
Paseo, Sinar Mas Land Plaza, Jakarta. The EGM agenda is as
follows:
1. Perubahan Susunan Direksi Perseroan;
1. Changes in the composition of the Board of Directors
2. Perubahan Anggaran Dasar Perseroan; dan
2. Changes in Articles of Association
3. Laporan Perubahan Realisasi Penggunaan Dana Penawaran
3. Report of Change in Realization of the Use of Fund from
Umum Terbatas I.
300
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Limited Public Offering I
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Agenda
Pertama /
First
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Keputusan/ Decision
Realisasi/ Realization
•
Rapat memberikan kesempatan kepada pemegang saham dan kuasa pemegang saham yang hadir
untuk mengajukan pertanyaan dan/atau memberikan pendapat terkait dengan Mata Acara Pertama. /
The meeting provides an opportunity to the shareholders and the shareholders proxy in attendance to
ask questions and / or provide opinions regarding the Mata Acara Pertama.
• Pada kesempatan tanya-jawab tersebut tidak ada pertanyaan maupun pendapat yang disampaikan oleh
pemegang saham dan atau kuasa pemegang saham yang hadir. / On the question and answer session,
no questions or opinions expressed by the shareholders or shareholders proxy.
• Pada kesempatan tanya-jawab tersebut tidak ada pertanyaan maupun pendapat yang disampaikan oleh
pemegang saham dan atau kuasa pemegang saham yang hadir. / On the question and answer occasion,
no questions or opinions expressed by the shareholders or shareholders proxy.
• Keputusan Mata Acara Pertama yaitu sebagai berikut : / The Decision of Mata Acara Pertama is as
follows:
1. Menyetujui pengangkatan Saudara Soejanto Soetjijo dan Saudara Frenky Tirtowijoyo Susilo
masing-masing sebagai Direktur Perseroan terhitung efektif sejak ditutupnya rapat ini sampai
dengan berakhirnya masa jabatan Direksi Perseroan yang saat ini menjabat yaitu tanggal 15
Juni 2017. / Approved the appointment of Soejanto Soetjijo and Franky Tirtowijoyo Susilo
respectively as Director of the Company effective as of the adjournment of this meeting until the
expiry of the term of office of Directors of the Company who currently serves as the date of June
15, 2017.
Dengan demikian sejak ditutupnya Rapat, susunan anggota Direksi, Dewan Komisaris, dan Dewan
Pengawas Syariah Perseroan adalah sebagai berikut: :/ Thus from the close of the Meeting, the
composition of the Board of Directors, Board of Commissioners, and Sharia Supervisory Board of
the Company is as follows:
Soejanto Soetjijo efektif
menjabat sebagai
Direktur setelah
mendapatkan
persetujuan dari OJK
pada Desember 2014,
sedangkan Frenky
Tirtowijoyo Susilo
efektif menjabat sebagai
Direktur setelah
mendapatkan
persetujuan dari OJK
pada Januari 2015
/ Soejanto Soetjijo
effectively served as a
Director after obtaining
approval from the OJK on
December 2014, while
Frenky Susilo Tirtowijoyo
effective served as
Director after obtaining
approval from the OJK on
January 2015.
DIREKSI:
/
BOARD
OF
DIRECTORS:
Direktur Utama/ President Director : Freenyan Liwang
Direktur/ Director: Heru Agus Wuryanto
Direktur/ Director : Loa Johnny Mailoa
Direktur/ Director : Halim
Direktur/ Director : Soejanto Soetjijo
Direktur/ Director : Frenky Tirtowijoyo Susilo
Direktur Independen/ Independent Director : Salis Teguh Hartono
Direktur Independen/ Independent Director : Hanafi Himawan
DEWAN
KOMISARIS/
BOARD
OF
COMMISSIONERS:
Komisaris Utama/ Pesident Commissioner : Tjendrawati Widjaja
Komisaris Independen/ Independent Commissioner : Sammy Kristamuljana
Komisaris Independen : Rusmin
DEWAN PENGAWAS SYARIAH/ SHARIA SUPERVISORY
BOARD: Ketua/ Chairman : Ali Mustafa Yaqub
Anggota/ Member : Ahmadi Bin Sukarno
Annual Report 2014 | PT. BANK SINARMAS Tbk.
301
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Agenda
Keputusan/ Decision
Realisasi/ Realization
2. Menunjuk dan memberi kuasa kepada Direksi dan/atau Corporate Secretary Perseroan untuk
melaksanakan keputusan tersebut diatas termasuk tetapi tidak terbatas untuk menandatangani akta
pernyataan keputusan rapat dihadapan Notaris dan memberitahukan perubahan tersebut kepada
pihak yang berwenang./ Appoint and authorize the Board of Directors and / or the Corporate
Secretary of the Company to implement the decision of the above, including but not limited to sign
a deed notarized statement of the meeting decision and notify the change to the appropriate
authorities.
•
Kedua /
Second
Ketiga / Third
302
Rapat memberikan kesempatan kepada pemegang saham dan kuasa pemegang sahåam yang hadir
untuk mengajukan pertanyaan dan/atau memberikan pendapat terkait dengan Mata Acara Kedua. / The
meeting provides an opportunity to the shareholders and the shareholders proxy in attendance to ask
questions and / or provide opinions regarding the Mata Acara Kedua.
• Pada kesempatan tanya-jawab tersebut tidak ada pertanyaan maupun pendapat yang disampaikan oleh
pemegang saham dan atau kuasa pemegang saham yang hadir. / On the question and answer occasion,
no questions or opinions expressed by the shareholders or shareholders proxy.
• Pengambilan keputusan dilakukan dengan pemungutan suara dengan cara lisan. Tidak ada pemegang
saham atau kuasa pemegang saham yang menyatakan suara tidak setuju dan/ atau blanko atas
usulan Mata Acara Kedua Rapat, sehingga keputusan diambil berdasarkan musyarawarah untuk
mufakat dari seluruh pemegang saham yang hadir atau sejumlah
13.402.734.770 saham memutuskan menyetujui usulan Mata Acara Kedua tersebut. / Decisionmaking is done through polling by oral way. There are no shareholders or shareholders proxy that
state vote against and/ or blank on the proposal Mata Acara Kedua Rapat, so the decision is made
based on consensus by all present shareholders or amounted to 13,402,734,770 of shares decided to
approve the proposal of Mata Acara Kedua
• Keputusan Mata Acara Kedua yaitu sebagai berikut/ The Decision of Mata Acara Kedua are as
follows :
1. Menyetujui perubahan Anggaran Dasar Perseroan sehubungan dengan diberlakukannya Peraturan
Otoritas Jasa Keuangan dan menyusun kembali seluruh Anggaran Dasar Perseroan sehingga
dengan demikian detil susunan kalimat masing-masing pasal perubahannya sebagaimana tertuang
dalam materi Rapat yang telah dibagikan kepada pemegang saham sebelum Rapat ini. / Approved
the amendments to the Articles of Association of the Company in connection with the application
of the Regulation of the Financial Services Authority and rearrange the Articles of Association so
that the details of the sentence structure of each chapter amendments, as set out in the meeting
materials that have been distributed to shareholders prior to the Meeting.
2. Menunjuk dan memberi kuasa kepada Direksi dan/atau Corporate Secretary Perseroan untuk
melaksanakan keputusan tersebut diatas termasuk tetapi tidak terbatas untuk menandatangani akta
pernyataan keputusan rapat dihadapan Notaris dan memberitahukan perubahan tersebut kepada
pihak yang berwenang. / Appointed and authorized the Board of Directors and / or the Corporate
Secretary of the Company to implement the decision of the above, including but not limited to sign
the deed before the Notary statement of the meeting
decision and notify the change to the appropriate authorities.
Sudah terealisasi / has
been realized
• Pada Mata Acara Ketiga karena hanya bersifat laporan maka tidak dilakukan proses tanya jawab dan
pengambilan keputusan. / Due to merely a report, the decision making and question and answer
process did not performed in Mata Acara Ketiga.
Sudah terealisasi / has
been realized
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Agenda
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Keputusan/ Decision
•
Realisasi/ Realization
Paparan Mata Acara Ketiga yaitu sebagai berikut : / Mata Acara Ketiga explanation is as follows:
Laporan Perubahan Realisasi Penggunaan Dana Penawaran Umum Terbatas I (PUT I) disampaikan
dalam bentuk Materi Rapat yang dibagiakan sebelum dimulainya rapat yang uraiannya adalah sebagai
berikut: / The Report of Changes in the Realization of the Use of Funds from Limited Public Offering
I (PUT I) was delivered in the form of Meeting Material which is distributed before the meeting started
with description as follows:
Pada bulan Juni 2012, PT. Bank Sinarmas Tbk., melakukan Penawaran Umum Terbatas I (PUT I)
kepada para pemegang saham dengan Hak Memesan Efek Terlebih dahulu (HMETD). Dana yang
diperoleh dari PUT I adalah sebesar Rp300.796.534.500. (tiga ratus miliar tujuh ratus sembilan puluh
enam juta lima ratus tiga puluh empat ribu lima ratus rupiah). Keseluruhan dana tersebut digunakan
untuk pembelanjaan teknologi informasi sebesar 60% dan pengembangan jaringan kantor sebesar 40%
dengan uraian sebagai berikut: / On June 2012, PT. Bank Sinarmas Tbk., conducted Limited Public
Offering I (Issue I) to shareholders with preemptive rights in advance (ER). The proceeds from the
Rights Offering was Rp 300,796,534,500. (three hundred billion seven hundred and ninety six million
five hundred and thirty-four thousand five hundred dollars). Overall funds were used to purchase 60%
of information technology and office network development by 40% with the following description:
1. Total penggunaan dana periode Oktober hingga Desember 2012 adalah sebesar
Rp36.351.786.504,7 (tiga puluh enam miliar tiga ratus lima puluh satu juta tujuh ratus delapan
puluh enam ribu lima ratus empat koma tujuh rupiah), dengan Rp24.086.621.170,2 (dua puluh
empat miliar delapan puluh enam juta enam ratus dua puluh satu ribu seratus tujuh puluh koma dua
rupiah) untuk pembelanjaan teknologi informasi dan Rp12.265.165.334,5 (dua belas miliar dua
ratus enam puluh lima juta seratus enam puluh lima ribu tiga ratus tiga puluh empat koma lima
rupiah) untuk pengembangan jaringan kantor.
Total use of funds from October to December 2012 was Rp36,351,786,504.7 (thirty-six billion three
hundred and fifty-one million seven hundred and eighty-six thousand five hundred four point
seven rupiahs), with Rp24,086,621,170.2 (twenty-four billion eighty six million six hundred and
twenty one thousand one hundred seventy point two rupiahs) for information technology spending
and Rp12,265,165,334.5 (twelve billion two hundred and sixty five million one hundred and sixtyfive thousand three hundred and three twenty-four point five rupiahs) for the development of the
office network.
2. Total penggunaan dana periode Januari hingga Maret 2013 adalah sebesar
Rp24.257.379.241,28 (dua puluh empat miliar dua ratus lima puluh tujuh juta tiga ratus tujuh
puluh sembilan ribu dua ratus empat puluh satu koma dua delapan rupiah) dengan
9.158.062.469,65 (sembilan miliar seratus lima puluh delapan juta enam puluh dua ribu empat
ratus enam puluh sembilan koma enam lima rupiah) untuk pembelanjaan teknologi informasi dan
Rp15.099.316.771,63 (lima belas miliar sembilan puluh sembilan juta tiga ratus enam belas ribu
tujuh ratus tujuh puluh satu koma enam tiga rupiah)
Total use of funds from January to March 2013 was Rp24,257,379,241.28 (twenty-four billion,
two hundred and fifty-seven million three hundred and seventy-nine thousand two hundred and
forty-one point two eight rupiahs) with 9,158,062,469.65 (nine billion one hundred and fifty-eight
million sixty two thousand four hundred and sixty-nine point six five rupiahs) for information
technology spending and Rp15,099,316,771.63 (fifteen billion ninety-nine million three hundred
sixteen thousand seven hundred and seventy-one point six three rupiahs)
Annual Report 2014 | PT. BANK SINARMAS Tbk.
303
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Agenda
Keputusan/ Decision
3. Total penggunaan dana periode April hingga Juni 2013 adalah sebesar Rp33.218.107.267,32 (tiga
puluh tiga miliar dua ratus delapan belas juta seratus tujuh ribu dua ratus enam puluh tujuh koma
tiga dua rupiah), dengan Rp8.903.666.711,17 (delapan miliar sembilan ratus tiga juta enam ratus
enam puluh enam ribu tujuh ratus sebelas koma satu tujuh rupiah) untuk pembelanjaan teknologi
informasi dan Rp24.314.440.556,15 (dua puluh empat miliar tiga ratus empat belas juta empat
ratus empat puluh ribu lima ratus lima puluh enam koma satu lima rupiah) untuk pengembangan
jaringan kantor.
Total use of funds from April to June 2013 was Rp33,218,107,267.32 (thirty-three billion two
hundred and eighteen million one hundred seven thousand two hundred and sixty-seven point three
two rupiahs), with Rp8,903,666,711.17 (eight billion nine hundred and three million six hundred
and sixty six thousand seven hundred and eleven point one seven rupiahs) for information
technology spending and Rp24,314,440,556.15 (twenty four billion three hundred and fourteen
million four hundred and forty thousand five hundred and fifty-six point one five rupiahs) for the
development of the office network.
4. Total penggunaan dana periode Juli hingga September 2013 adalah sebesar
Rp90.697.650.439,17 (sembilan puluh miliar enam ratus sembilan puluh tujuh juta enam ratus lima
puluh ribu empat ratus tiga puluh sembilan koma satu tujuh rupiah), dengan Rp57.855.842.162,67
(lima puluh tujuh miliar delapan ratus lima puluh lima juta delapan ratus empat puluh dua ribu
seratus enam puluh dua koma enam tujuh rupiah) untuk pembelanjaan teknologi informasi dan
Rp32.841.808.276,5 (tiga puluh dua miliar delapan ratus empat puluh satu juta delapan ratus
delapan ribu dua ratus tujuh puluh enam koma lima rupiah) untuk pengembangan jaringan kantor.
Total use of funds from July to September 2013 was Rp90,697,650,439.17 (ninety billion, six
hundred and ninety-seven million six hundred fifty thousand four hundred and thirty-nine point one
seven rupiahs), with Rp57,855,842,162.67 (fifty-seven billion, eight hundred and fifty-five million
eight hundred and forty-two thousand one hundred sixty-two point six seven rupiahs) for
information technology spending and Rp32,841,808,276.5 (thirty-two billion eight hundred and
forty-one million eight hundred and eight thousand two hundred and seventy-six point five
rupiahs) for the development of the office network.
5. Total penggunaan dana periode Oktober hingga Desember 2013 adalah sebesar
Rp41.563.555.567 (empat puluh satu miliar lima ratus enam puluh tiga juta lima ratus lima puluh
lima ribu lima ratus enam puluh tujuh rupiah), dengan Rp27.362.274.290 (dua puluh tujuh miliar
tiga ratus enam puluh dua juta dua ratus tujuh puluh empat ribu dua ratus sembilan puluh rupiah)
untuk pembelanjaan teknologi informasi dan Rp14.201.281.277 (empat belas miliar dua ratus satu
juta dua ratus delapan puluh satu ribu dua ratus tujuh puluh tujuh rupiah) untuk pengembangan
jaringan kantor.
Total use of funds period October to December 2013 was Rp 41.563.555.567 (forty-one billion
five hundred and sixty-three million five hundred and fifty-five thousand five hundred and sixtyseven rupiahs), with Rp 27.362.274.290 (twenty seven billion three hundred and sixty-two million
two hundred and seventy-four thousand two hundred and ninety rupiahs) for information
technology spending and Rp 14,201,281,277 (fourteen billion, two hundred and one million two
hundred and eighty-one thousand two hundred and seventy-seven rupiahs) for development of
office network.
6. Total penggunaan dana periode Januari hingga Maret 2014 adalah sebesar Rp36.524.702.479 (tiga
puluh enam miliar lima ratus dua puluh empat juta tujuh ratus dua ribu empat ratus tujuh puluh
sembilan rupiah), dengan Rp24.146.230.452 (dua puluh empat miliar seratus empat puluh enam
juta dua ratus tiga puluh ribu empat ratus lima puluh dua) untuk pembelanjaan teknologi informasi
dan Rp12.378.472.027 (dua belas miliar tiga ratus tujuh puluh delapan juta empat ratus tujuh puluh
dua ribu dua puluh tujuh rupiah) untuk pengembangan jaringan kantor.
304
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Realisasi/ Realization
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Agenda
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Keputusan/ Decision
Realisasi/ Realization
Total use of funds from January to March 2014 was Rp 36.524.702.479 (thirty-six billion, five
hundred and twenty-four million seven hundred and two thousand four hundred and seventy-nine
rupiahs), with Rp 24.146.230.452 (twenty four billion one hundred and forty six million two
hundred thirty thousand four hundred and fifty two) for information technology spending and Rp
12,378,472,027 (twelve billion three hundred and seventy-eight million four hundred and seventytwo thousand twenty-seven rupiahs) for the development of the office network.
7. Total penggunaan dana periode April hingga Juni 2014 adalah sebesar Rp34.408.155.086,34 (tiga
puluh empat miliar empat ratus delapan juta seratus lima puluh lima ribu delapan puluh enam
koma tiga empat), dengan Rp26.288.551.814,64 (dua puluh enam miliar dua ratus delapan puluh
delapan juta lima ratus lima puluh satu ribu delapan ratus empat belas koma enam empat rupiah)
untuk pembelanjaan teknologi informasi dan Rp8.119.603.271,7 (delapan miliar seratus sembilan
belas juta enam ratus tiga ribu dua ratus tujuh puluh satu koma tujuh rupiah) untuk pengembangan
jaringan kantor.
Total use of funds from April to June 2014 was Rp34,408,155,086.34 (thirty-four billion four
hundred eight million one hundred and fifty-five thousand eighty-six point three four), with
Rp26,288,551,814.64 (twenty six billion two hundred and eighty-eight million five hundred and
fifty-one thousand eight hundred and fourteen point six four rupiahs) for information technology
spending and Rp8,119,603,271.7 (eight billion, one hundred and nineteen million six hundred and
three thousand two hundred and seventy-one point seven rupiahs) for the development of the
office network.
Sehingga Penggunaan Dana Hasil Penawaran Umum Terbatas I keseluruhannya digunakan untuk
Pembelanjaan Teknologi Informasi sebesar Rp177.801.249.070,33 (seratus tujuh puluh tujuh miliar
delapan ratus satu juta dua ratus empat puluh sembilan ribu tujuh puluh koma tiga tiga rupiah) dan
untuk Pengembangan Jaringan Kantor sebesar Rp119.220.087.514,48 (seratus sembilan belas miliar
dua ratus dua puluh juta delapan puluh tujuh ribu lima ratus empat belas koma empat delapan
rupiah).
Entirely, the Use of Funds of Limited Public Offering I used for Information Technology Spending
amounting to Rp177,801,249,070.33 (one hundred and seventy-seven billion, eight hundred and one
million two hundred and forty-nine thousand seventy-three point three rupiahs) and for Network
Development Office amounting to Rp119,220,087,514.48 (one hundred and nineteen billion two
hundred and twenty million eighty-seven thousand five
hundred and fourteen point four eight rupiahs).
DEWAN KOMISARIS
BOARD OF COMMISSIONERS
Dewan Komisaris merupakan organ dalam Bank yang bertugas
melakukan pengawasan, baik secara umum maupun secara khusus
sesuai dengan Anggaran Dasar, memastikan pelaksanaan GCG
terselenggara dalam setiap kegiatan usaha bank, serta
mengarahkan, memantau, dan mengevaluasi pelaksanaan kebijakan
strategis Bank dengan memberikan masukan kepada Direksi.
Pengawasan dan pemberian masukan serta nasihat ini bertujuan
The Board of Commissioners is one of the corporate’sinstruments
responsible for general and/or specificsupervisory in accordance
with the Articles of Association, ensuring the implementation of
agar pengelolaan Bank yang dilakukan Direksi sejalan dengan
maksud dan tujuan Bank Sinarmas.
Good CorporateGovernance in every business activity, providing
direction aswell as monitoring and evaluating the implementation
ofthe Bank’s strategic policies by providing advice
to
Directors.The supervisory and advising is carried out for the
interest ofthe Bank and in line with the goals and objectives of
Bank Sinarmas.
Annual Report 2014 | PT. BANK SINARMAS Tbk.
305
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Jumlah, Komposisi dan Kriteria Dewan Komisaris
Berdasarkan hasil RUPSLB yang diselenggarakan pada 13
Juni 2014 yang tertuang dalam akta No. 45, diputuskan bahwa
menyetujui pemberhentian dengan hormat Bapak Wimpie Rianto
sebagai Komisaris Independen terhitung sejak berakhirnya rapat.
Selanjutnya dilakukan pengangkatan Bapak Rusmin selaku
Komisaris Independen terhitung sejak rapat tersebut berakhir,
dengan masa jabatan efektif per tanggal
19 Juni 2014 setelah mendapat persetujuan dari OJK. Dengan
demikian, sampai saat ini jumlah anggota Dewan Komisaris
Perseroan per 31 Desember 2014 berjumlah 3 (tiga) orang
yang terdiri dari 1 (satu) Komisaris Utama dan 2 (dua) Komisaris
Number, Composition and Criteria of Board of Commissioners
According to the result of EGM convened in June 13, 2014 as
stated in the Deed No. 45, Mr. Wimpie Rianto as Independent
Commissioner is dismissed with respect, effective since the closing
of the meeting. The meeting appointed Mr. Rusmin as
Independent Commissioner, effectively since the meeting ended.
His term of office effectiely starts on June 19, 2014 after receiving
approval from Financial Services Authority. Thus, the composition
of Board of Commissioners per December 31,
2014 consists of 3 people, 1 President Commissioner and 2
Independent Commissioner.
Independen.
Persetujuan / Approval
No
Nama / Name
Jabatan / Position
1
Tjendrawati Widjaja
Komisaris Utama /
President Commissioner
2
Sammy Kristamuljana
3
Rusmin
RUPS/GMS
OJK &Bank Indonesia
/ Financial Services
Authority & Bank
Indonesia
Periode Masa
Jabatan /
Term of Office
Domisili /
Domicile
13 Juni 2014
(RUPSLB) /
June 13, 2014
(EGM)
20 April 2010 /
April 20, 2010
15 Juni 2017
(RUPSLB) /
June 15, 2014
(EGM)
Indonesia
Komisaris Independen
/ Independent
Commissioner
13 Juni 2014
(RUPSLB) /
June 13, 2014
(EGM)
8 Oktober 2007 /
October 8, 2007
15 Juni 2017
(RUPSLB) /
June 15, 2014
(EGM)
Indonesia
Komisaris Independen
/ Independent
Commissioner
13 Juni 2014
(RUPSLB) /
June 13, 2014
(EGM)
19 Juni 2014 /
June 19, 2014
15 Juni 2017
(RUPSLB) /
June 15, 2014
(EGM)
Indonesia
Dengan demikian jumlah, komposisi, dan kriteria Dewan
Komisaris telah memenuhi ketentuan dalam Pasal 110
Undang-Undang Perseroan Terbatas, Pasal 27 Peraturan Bank
Indonesia No. 11/1/PBI/2009 tentang Bank Umum, Peraturan Bank
Indonesia No. 12/23/PBI/2010 tentang Uji Kemampuan dan
Kepatutan (Fit and Proper Test) dan Peraturan OJK (d/h Bapepam-
Therefore, the number, composition and criteria of Board of
Commissioners has complied the regulations stipulated in Article
27, the Regulations of Bank Indonesia No. 11/1/PBI/2009 of Public
Bank, the Regulations of Bank of Indonesia No. 12/23/ PBI/2010
regarding to Fit and Proper Test, and the Regulations of Financial
LK) No. IX.I.6 lampiran Keputusan Ketua (d/h) Bapepam-LK
tentang Direksi dan Komisaris Emiten dan Perusahaan Publik,
antara lain:
Services Authority (formerly Bapepam-LK) No. IX.I.6 attachment
the Decision of Director (formerly) of Bapepam-LK about the
Board of Directors and Board of Commissioners of Public
Company, such as:
1. Dewan Komisaris diketuai oleh Komisaris Utama
1. Board
of
Commissioners
is
chaired
by President
Commissioner
2. Seluruh anggota Dewan Komisaris berdomisili di Indonesia
2. All Commissioners domicile in Indonesia
3. Anggota Dewan Komisaris berjumlah 3 (tiga) orang, dengan
tidak melebihi jumlah anggota Direksi
3. The members of Board of Commissioners consist of 3
(three) people by not outnumbering the members of Board of
Directors
306
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
4. Presentase komposisi Komisaris Independen telah lebih dari
50% (lima puluh persen) menunjukan upaya Perseroan dalam
menciptakan iklim dan lingkungan kerja yang objektif serta
mengedepankan prinsip kewajaran (fairness) dan kesetaraan
terhadap Stakeholders Bank Sinarmas
5. Pengangkatan anggota Dewan Komisaris dilakukan
oleh RUPS berdasarkan usulan Komite Remunerasi dan
Nominasi
6. Seluruh anggota Dewan Komisaris telah lulus fit and proper test
Bank Indonesia
Tugas dan Tanggung Jawab
Berdasarkan Surat Keputusan No.SK.001/2014/PRESKOMCorsec&Corcomm tertanggal 30 Juni 2014, secara umum Dewan
Komisaris memiliki tugas dan tanggung jawab sebagai berikut:
1.
Melaksanakan sebaik-baiknya kewajiban Dewan Komisaris
sebagaimana diamanatkan dalam peraturan perundang-
undangan, Anggaran Dasar Perseroan berikut perubahanperubahannya, Board Manual, Surat Keputusan ini beserta
perubahannya, dan Pedoman Tata Tertib Kerja Dewan
Komisaris.
2. Dalam menjalankan tugasnya, Dewan Komisaris berhak
memperoleh penjelasan dari Direksi atau setiap anggota
Direksi tentang segala hal yang diperlukan oleh Dewan
Komisaris.
3. Dewan Komisaris menerapkan prinsip-prinsip GCG
sebagaimana diatur dalam Peraturan Bank Indonesia
No.8/4/PBI/2006 tentang pelaksaaan Good Corporate
Governance tertanggal 30 Januari 2006 yang kemudian diubah
dalam Peraturan Bank Indonesia No. 8/14/2006 tertanggal 5
Oktober 2006, dalam setiap kegiatan usaha Bank pada seluruh
tingkatan atau jenjang organisasi.
4. Melakukan pengawasan atas kebijakan pengurusan pada
umumnya, baik mengenai Bank sebagai Perseroan maupun
usaha Bank, dan memberi nasihat kepada Direksi.
5. Dalam melakukan pengawasan, Dewan Komisaris wajib
mengarahkan, memantau, dan mengevaluasi pelaksanaan
kebijakan strategis Perseroan serta melaporkannya secara
tertulis ke Bank Indonesia secara semesteran.
6. Dalam melakukan pengawasan, Dewan Komisaris dilarang
terlibat dalam pengambilan keputusan kegiatan operasional
Bank (kredit, treasury, penghimpunan dana, dan kegiatan
operasional lainnya), kecuali:
a. Penyediaan dana kepada pihak terkait sebagaimana diatur
dalam ketentuan Bank Indonesia tentang Batas Maksimum
Pemberian Kredit Bank Umum.
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
4. The composition percentage of Independent Commissioner is
more than 50%; thus the Company has created an objective
work environment and upheld fairness and equality principles
to all its stakeholders.
5. The appointment of the members of Board of Commissioners is
conducted by GMS based on the recommendation of
Nomination and Remuneration Committee.
6. All members of Board of Commissioners have passed the fit and
proper test from Bank of Indonesia.
Duties and Responsibilities
Based
on
the
Decree
No.SK.001/2014/PRESKOM_
Corsec&Marcomm dated June 30, 2014, in general, the Board of
Commissioners has duties and responsibilities as follows:
1. Implement the Board of Commissioners’ obligations as
mandated in legislation, the Articles of Association of the
Company following amendments, Board Manual, this Decree
and its amendment, work rules and guidelines of the Board of
Commissioners as well as possible.
2. In performing its duties, the Board of Commissioners is entitled
to an explanation from the Board of Directors or any member of
the Board of Directors on all matters required by the Board of
Commissioners.
3. The Board of Commissioners applied the principles of Good
Corporate Governance as stipulated in Regulation of Bank
Indonesia No. 8/4/PBI/2006 on the implementation of Good
Corporate Governance dated January 30, 2006 which was
amended in Bank Indonesia Regulation No. 08/14/2006 dated
October 5, 2006, in any business activities of the Bank at all
levels of the organization.
4. To supervise the monitoring policy in general, both of the
Bank as the Company and the Bank’s business, and to advise
the Board of Directors.
5. In conducting the supervision, the Board of Commissioners
shall direct, monitor, and evaluate the implementation of the
Company’s strategic policy and report in writing to Bank
Indonesia semester.
6. In conducting supervision, the Board of Commissioners
may not be involved in decision-making operations of the Bank
(credit, treasury, fund raising, and other operational activities),
except:
a. Provision of funds to related parties as stipulated in the
Bank Indonesia regulations concerning Lending Limit for
Commercial Banks.
Annual Report 2014 | PT. BANK SINARMAS Tbk.
307
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
b. Hal-hal lain yang ditetapkan dalam Anggaran Dasar
Bank atau peraturan perundangan yang berlaku.
7.
Memastikan bahwa Direksi telah menindaklanjuti temuan
audit dan rekomendasi dari satuan kerja audit intern Bank,
auditor eksternal, hasil pengawasan Bank Indonesia dan/ atau
hasil pengawasan otoritas lain yang termasuk namun tidak
terbatas pada Bapepam-LK dan/atau Bursa Efek Indonesia.
8. Memberitahukan kepada Bank Indonesia paling lambat 7
b. Other matters specified in the Articles of Association of the
Bank or the applicable laws and regulations.
7. Ensuring that the Board of Directors has followed up on audit
findings and recommendations of the Bank’s internal audit unit,
the external auditors, the results of supervision by Bank
Indonesia and / or other authorities including but not limited to
Bapepam-LK and / or the Indonesia Stock Exchange.
8. Informing Bank Indonesia within 7 (seven) working days
(tujuh) hari kerja sejak ditemukannya :
a. Pelanggaran peraturan perundang-undangan di bidang
after the discovery:
a. Violation of laws and regulations in the field of financial
keuangan dan perbankan.
b. Keadaan
atau perkiraan
and banking.
b. The state of or state estimate that can endanger the
keadaan
membahayakan kelangsungan usaha Bank.
9. Berkewajiban membentuk paling kurang:
a. Komite Audit
308
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
yang
dapat
survival of the Bank.
9. Obliged to establish at least:
a. Audit Committee
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
b. Komite Pemantau Risiko
b. Risk Monitoring Committee
c. Komite Remunerasi dan Nominasi
c. Remuneration and Nomination Committee
Secara khusus pembagian tugas dan tanggung jawab Dewan
In particular, the division of duties and responsibilities of the
Komisaris adalah sebagai berikut:
Board of Directors are as follows:
Komisaris Utama / President Commissioner - Tjendrawati Widjaja
1.
Melakukan koordinasi seluruh kegiatan anggota Dewan Komisaris To coordinate all activities of the members of the Board of
guna meningkatkan fungsi pengawasan terhadap pengelolaan dan Commissioners in order to improve the supervisory function toward the
kinerja Perseroan.
management and performance of the Company’s.
2.
Melakukan pengawasan terkait Credit, Liabilities Product
Development, Sharia, Treasury, Global Trade Services, dan Electronic
Channel Operations yang secara garis besar adalah sebagai berikut:
a) Pengawasan terhadap kegiatan pemberian dan komposisi
kredit berdasarkan
penerapan
prinsip
kehati-hatian
(prudential principle) termasuk tindak lanjut atas temuan Bank
Indonesia dibidang kredit.
b) Pengawasan terhadap pengembangan dan peluncuran
produk/jasa yang dikeluarkan antara lain funding, business
partner development, credit card, investment product, serta
electronic channel.
c) Pengawasan terhadap kegiatan UUS khususnya kredit dan
pengembangan & pengeluaran produk/jasa.
d) Pengawasan atas likuiditas, kegiatan terkait forex & pasar
uang, instrumen derivatif, dan kegiatan jual beli valuta asing.
e) Pengawasan terhadap kegiatan Global Trade Services baik di
dalam maupun di luar negeri.
f) Pengawasan terhadap kegiatan Electronic Operations seperti
card issuer, rekonsiliasi, settlement, system development, system
procedure, monitoring & deployment, dan product development.
Conduct Supervision related to Liabilities Product Development, Sharia,
Treasury, Global Trade Services, and Electronic Channel Operations in
outline is as follows:
a)
b)
c)
d)
e)
f)
Supervision over the activities of administration and composition of
the loan based on the application of the prudential principle,
including the follow up of the findings of Bank Indonesia in the field
of credit.
Supervision over the development and launch of products
/ services issued, among others, funding, business partner
development, credit card, investment product, as well as electronic
channels.
Supervision over the activities of sharia business unit, especially
credit and the development & spending of products / services.
Supervision over the liquidity, money market & Forex-related and
money markets, derivative instruments and foreign exchange trading
activities.
Supervision over Global Trade Services activities both within and
outside the country.
Supervision over Electronic Operations activities such as card
issuance, reconciliation, settlement, system development, system
procedures, monitoring and deployment, and product
development.
Komisaris Independen/ Independent Commissioner - Sammy Kristamuljana
1.
Bersama-sama dengan anggota Dewan Komisaris lainnya dalam Together with members of the Board of Commissioners improving the
meningkatkan fungsi pengawasan terhadap pengelolaan dan kinerja oversight of the Company’s management and performance.
Perseroan.
2.
Melakukan pengawasan terkait Loan Recovery, Business Continuity
Management, Risk Management, Information Technology, Financial
Planning & Controlling, Strategic & Performance Management, dan
Compliance & Legal secara garis besar adalah sebagai berikut:
a) Pengawasan atas debitur dengan kredit bermasalah. b)
Pengawasan atas kebijakan dan pelaksanaan Business
Continuity Plan.
c) Pengawasan terhadap perumusan, penetapan, dan evaluasi
kebijakan manajemen risiko.
d) Pengawasan terhadap perumusan dan evaluasi
pengembangan jaringan teknologi informasi guna
mendukung kegiatan Perseroan (Blue print teknologi
Informasi).
e) Pengawasan terhadap perumusan dan evaluasi strategi Perseroan
yang tertuang dalam rencana bisnis dan corporate plan dikaitkan
dengan visi dan misi Perseroan.
f) Pengawasan terhadap penilaian kinerja Perseroan.
g) Pengawasan atas kepatuhan terhadap peraturan internal maupun
peraturan eksternal (regulator perbankan dan pasar modal)
Conduct supervision related to Loan Recovery, Business Continuity
Management, Risk Management, Information Technology, Financial
Planning & Controlling, Strategic & Performance Management, and
Compliance & Legal in outline is as follows:
a) Supervision over the debts with non-performing loans
b) Supervision over Business Continuity Plan policy and
implementation.
c) Supervision over the formulation, determination, and evaluation of
risk management policies.
d) Supervision over the formulation and evaluation of development of
information technology network to support the activities of the
Company (Information Technology Blueprint)
e)
Supervision over the formulation and evaluation of the
Company’s strategy set out in the business plan and corporate plan
associated with the Company’s vision and mission.
f) Supervision over the Company’s performance
g) Supervision over the compliance of internal and external regulations
(banking and capital market regulator)
Annual Report 2014 | PT. BANK SINARMAS Tbk.
309
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Komisaris Independen - Rusmin
1.
Bersama-sama dengan anggota Dewan Komisaris lainnya dalam Together with member of the Board of Commissioners in improving the
meningkatkan fungsi pengawasan terhadap pengelolaan dan kinerja supervisory function over the Company’s management and performance.
Perseroan.
2.
Melakukan pengawasan terkait Audit Internal, Human Capital
Management, Accounting, Credit Administration & control,
Operational, Corporate Secretary & Communication, dan General
Affairs yang secara garis besar adalah sebagai berikut:
a)
Pengawasan
terhadap
pengendalian
internal
yang
dilaksanakan oleh audit internal dan audit eksternal.
b)
Pengawasan atas kegiatan perekrutan dan pengembangan
sumber daya manusia.
c)
Pengawasan atas pelaksanaan corporate action dan
pemenuhan terhadap ketentuan peraturan eksternal (regulator
perbankan dan pasar modal).
d)
Pengawasan terhadap perlakuan akuntansi dan laporan
keuangan Perseroan.
e)
Pengawasan terhadap pelaksanaan fungsi administratif kredit.
f)
Pengawasan terhadap operasional Perseroan termasuk
kegiatan transaksi (remittance, RTGS, Kliring, ImportExport, dan arus kas), dan pelayanan Perseroan.
g)
Pengawasan terhadap pendapatan, biaya, dan pajak
Perseroan.
h)
Pengawasan atas kegiatan pemeliharaan aset perusahaan dan
ketepatan atas pemenuhan kebutuhan administrasi Perseroan
dengan memperhatikan efisiensi Perseroan.
Conduct supervision related to Internal Audit, Human Capital
Management, Accounting, Credit Administration & control, Operational,
Corporate Secretary & Communication, and General Affairs in outline as
follows:
a) Supervision over internal control which is implanted by internal
and external audit.
b) Supervision over recruitment and human capital development
activities.
c) Supervision over corporate action and the fulfillment of
external regulations (banking and capital market regulator)
implementation.
d) Supervision over accounting treatment and financial statements of
the Company.
e) Supervision over loan administrative function implementation.
f) Supervision over the Company’s operational including transactions
activity (remittance, RTGS, Kliring, Import-Export, and cash flow),
and services of the Company.
g) Supervision over income, cost, and tax of the Company.
h) Supervision over the Company’s assets maintenance and the accuracy
for administrative requirements of the Company with the Company’s
attention to efficiency.
Independency and Transparency of Board of
Independensi dan Transparansi Dewan Komisaris
Seluruh anggota Dewan Komisaris tidak memiliki kepemilikan,
dan/atau hubungan keuangan, serta hubungan keluarga (sampai
dengan derajat kedua) dengan anggota Dewan Komisaris lainnya,
Commissioners
All members of the Board of Commissioners has no financial
relationships and/or family relationships (to the second degree)
anggota Direksi, dan/atau pemegang saham pengendali. Selain itu,
Anggota Dewan Komisaris tidak ada yang merangkap jabatan
sebagai anggota Dewan Komisaris, Direksi, atau Pejabat Eksekutif
pada suatu lembaga keuangan lain, atau anggota Dewan Komisaris,
Direksi, atau Pejabat Eksekutif yang melaksanakan fungsi
pengawasan pada satu anak perusahaan bukan Bank yang
dikendalikan oleh perusahaan.
with other members of the Board of Commissioners, the Board of
Directors, and/or controlling shareholders. In addition, none of
Member of the Board of Commissioners held concurrent positions
as members of the Board of Commissioners, Board of Directors, or
Executive Officer at another financial institution, or a member of
the Board of Commissioners, Board of Directors, or the Executive
Officer to carry out supervision on a non-bank subsidiary
controlled by company.
Tabel hubungan afiliasi Dewan Komisaris
Table of affiliation relationship of the Board of Directors:
Hubungan Keluarga dengan/ Family
relationship with
Hubungan Keuangan dengan/ Family
relationship with
Nama/ Name
Dewan Komisaris/
Board of
Commissioners
Direksi/
Board of Directors
Pemegang Saham/
Dhareholders
Dewan Komisaris/
Board of
Commissioners
Pemegang Saham/
Dhareholders
Ya / Yes
Tidak /
No
Tjendrawati Widjaja
-
x
-
x
-
x
-
x
-
x
-
x
Sammy Kristamuljana
-
x
-
x
-
x
-
x
-
x
-
x
Rusmin
-
x
-
x
-
x
-
x
-
x
-
x
310
Ya / Yes
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Tidak /
No
Ya / Yes
Tidak /
No
Ya / Yes
Tidak /
No
Direksi/ Board of
Directors
Ya / Yes
Tidak /
No
Ya / Yes
Tidak /
No
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Rangkap Jabatan Dewan Komisaris
Berdasarkan Peraturan Bank Indonesia No. 8/14/PBI/2006 tentang
Pelaksanaan GCG, anggota Dewan Komisaris diperkenankan
untuk merangkap jabatan, namun dengan ketentuan sebagai berikut
:
a) Hanya dapat menjadi anggota Dewan Komisaris, Direksi, atau
Pejabat Eksekutif pada 1 (satu) lembaga/perusahaan bukan
lembaga keuangan, atau
b) Anggota Dewan Komisaris, Direksi, atau Pejabat Eksekutif
yang melaksanakan fungsi pengawasan pada 1 (satu)
perusahaan anak bukan Bank yang dikendalikan oleh Bank.
Berikut daftar Dewan Komisaris yang merangkap jabatan di
perusahaan lain :
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Concurrent Position of the Board of Commissioners
Based on the Bank Indonesia’s Regulation No. 8/4/PBI/2006 on
GCG Implementation, the member of the Board of Commissioners
is allowed to held concurrent positions, with following conditions:
a. Can only be a member of the Board of Commissioners, Board of
Directors, or the Executive Officer in 1 (one) institution /
company, not a financial institution, or
b. Members of the Board of Commissioners, Board of
Directors, or the Executive Officer to carry out supervisory
function in one (1) non-bank subsidiaries controlled by the
Bank.
The following is the list of Board of Commissioner who held
concurrent position in other companies:
Jabatan di perusahaan/
Jabatan di Bank Sinarmas/ Position
in Bank Sinarmas
Jabatan di Bank Lain/ Position in
other bank
Tjendrawati Widjaja
x
x
x
Sammy Kristamuljana
x
x
x
Rusmin
x
x
x
Nama/ Name
Pedoman dan Tata Tertib Kerja Dewan Komisaris
lembaga lain/ Position in other
instutitions
Guidelines And Work Procedures of Board of
Commissioners
Pedoman dan Tata Tertib Kerja Dewan Komisaris ditetapkan
melalui Surat Keputusan nomor 002/2014/PRESKOMCorSec&Corcomm tertanggal 30 Juni 2014 yang secara garis besar
mengatur tentang hari, jam kerja, dan cuti Dewan Komisaris;
ketentuan penyelenggaraan dan pengambilan keputusan rapat; kode
etik; peningkatan kompetensi Dewan Komisaris.
Frekuensi, Tingkat Kehadiran, dan Rekap Absensi Rapat
Dewan Komisaris
Selama 2014, Dewan Komisaris telah menyelenggarakan rapat
sebanyak 4 (empat) kali. Rapat tersebut dihadiri secara fisik oleh
anggota Dewan Komisaris dan dipimpin oleh Komisaris Utama.
Seluruh hasil rapat diputuskan berdasarkan musyawarah mufakat
dan dituangkan secara tertulis dalam risalah rapat serta
didokumentasikan dengan baik.
Dengan demikian, Bank Sinarmas telah memenuhi ketentuan Bank
Indonesia tentang pelaksanaan GCG yang telah ditetapkan dalam
ketentuan internal Perseroan yaitu Board Manual dan Pedoman
Tata Tertib Kerja Dewan Komisaris.
Guidelines and work procedures of Board of Commissioners set by
decree number 002/2014/PRESKOM-CorSec & CorComm dated
June 30, 2014 which outlines regulating day, working hours, and
leave of Board of Commissioners; Terms of organizing and
decision-making of meetings; Code of ethics; Improving
competence of the Board of Commissioners.
Frequency, Attendance List and Absence List of Board of
Commissioners
During 2014, the Board of Commissioners held a meeting 4 (four)
times. The meeting was attended physically by members of the
Board of Commissioners and chaired by President Commissioner.
The entire results of the meeting were decided by consensus
agreement and set forth in writing in the minutes of meetings and
well documented.
Thus, Bank Sinarmas has complied with Bank Indonesia
regulations on the implementation of good corporate governance
(GCG) as set out in the Company’s internal regulations i.e. Board
Manual and guidelines Charter of Board of Commissioners.
Annual Report 2014 | PT. BANK SINARMAS Tbk.
311
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
No.
Nama/ Name
Persentase/
Percentage
1
Tjendrawati Widjaja
Komisaris Utama/ President Commissioner
4/4
100%
2
Sammy Kristamuljana
Komisaris Independen/ Independent
Commissioner
4/4
100%
3
Wimpie Rianto*
Komisaris Independen/ Independent
Commissioner
2/4
50%
4
Rusmin**
Komisaris Independen/ Independent
Commissioner
2/4
50%
Keterangan : *) Sudah tidak bergabung sejak 13 Juni 2014
**) Efektif menjabat sejak 19 Juni 2014
Information: *) Resign since June 13, 2014
**) Effective since June 19, 2014
Rekap Absensi Rapat
Meeting Attendance Recap
Inisial Tanggal/
Initial Date

Frekuensi Kehadiran/
Attendance Frequency
Jabatan/ Position
Tjendrawati Widjaja
Wimpie Rianto
Sammy Kristamuljana
Rusmin
14 Februari 2014/
February 14, 2014
√
√
√

Belum Bergabung/
Not joined yet
7 Maret 2014/
March 7, 2014
√
√
√

Belum Bergabung/
Not joined yet
27 Juni 2014/
June 27, 2014
√

Sudah tidak bergabung/
Resigned
√
√

8 September 2014/
September 8, 2014
√

Sudah tidak bergabung/
Resigned
√
√


Agenda Rapat Dewan Komisaris
Tanggal/
Date
Meeting Agenda of Board of Commissioners
Nomor Risalah Rapat/
Number of Minutes of
Meeting
Agenda Rapat/
Meeting Agenda
14 Februari 2014/
February 14, 2014
RR No. 001/2014/DEKOM
Penyesuaian Ketentuan OJK IX.I.5 /
OJK IX.I.5 Provision Adjustment
7 Maret 2014/
March 7, 2014
RR No. 002/2014/DEKOM
Presentasi Laporan Direksi tahun 2013 /
Report of the Board of Directors 2013 Presentation
27 Juni 2014/
June 27, 2014
RR No. 003/2014/DEKOM
•
•
•
8 September 2014/
September 8, 2014
RR No. 004/2014/DEKOM
•
•
•
•
Tugas dan tanggung jawab Dewan Komisaris/ Duties and Responsibilities of the
Board of Commissioners
Perubahan struktur anggota Komite Audit dan Komite Pemantau Risiko/
Changes in member of Audit Committee and Risk Monitoring Committee
Structure
Human Capital Management
Action Plan tahun 2014 / Action Plan in 2014
Kinerja Keuangan/ Financial Performance
Produk/ Products
Self Assessment Tingkat Kesehatan Bank / Self-Assessment of the Level of
Bank’s Health
Kunjungan Kerja Dewan Komisaris
Selama 2014, Dewan Komisaris melakukan beberapa kunjungan ke
beberapa kantor cabang seperti Kantor Cabang Balikpapan. Dalam
kunjungan selama 4 (empat) hari tersebut, Dewan Komisaris
memberikan briefing atau membahas hal-hal tertentu terkait
aktivitas bisnis kantor cabang.
312
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Work Visit of Board of Commissioners
During 2014, Board of Commissioners made several visits to
several branches like Balikpapan Branch Office. During the
4-day visit, the Board of Commissioners gave a briefing or
discussed certain matters related to the business activities of the
branch office.
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Dewan Komisaris juga melakukan sharing session yang berisikan
pembekalan, pengarahan, dan wejangan kepada lulusan MDP.
Board of Commissioners also conducted sharing sessions consisted
of debriefing, briefing, and discourse to the MDP Marketing
graduates Batch 1 on November 28, 2014.
Rekomendasi Dewan Komisaris
Sepanjang 2014, Dewan Komisaris telah melaksanakan
tugas dan tanggung jawabnya di bidang pengawasan sesuai dengan
ketentuan Anggaran Dasar, Keputusan RUPS, RBB, dan keputusan
lainnya guna menunjang kegiatan bisnis perusahaan. Hasil
pengawasan tersebut selanjutnya akan ditindaklanjuti dengan
memberikan vrekomendasi kepada Direksi secara tertulis
(memorandum) atau lisan (dalam rapat Direksi dengan Dewan
Recommendation of Board of Commissioners
Throughout 2014, Board of Commissioners has carried out its
duties and responsibilities in supervisory in accordance with the
provisions of the Articles of Association, GMS, RBB, and other
decisions to support the business activities of the bank. The
monitoring results will then be followed with making
recommendations to the Board of Directors in writing
(memorandum) or orally (in a Directors meeting with Board Of
Commissioners), among others, on:
Komisaris), antara lain mengenai:
1. Laporan Self Assessment tingkat kesehatan Bank agar
dapat terus ditingkatkan.
2. Perbaikan kinerja keuangan Bank agar mencapai target
yang telah ditetapkan dalam Revisi Rencana Bisnis Bank
(RBB) 2014.
3. Peningkatan proses control pada produk baru maupun produk
existing dari tiap-tiap unit kerja.
4. Pencalonan
anggota
Direksi
sebagaimana
telah
1. Self Assessment report, the level of the health of the Bank to
be improved continuously.
2. Bank’s financial performance improvement in order to achieve
the targets set in the revised Business Plan (RBB) in
2014.
3. Improved control process in new products and existing products
of each unit.
4. The nomination of members of the Board of Directors as has
been recommended by the Remuneration and Nomination
Committee.
5. The results of the Financial Services Authority investigation
direkomendasikan Komite Remunerasi dan Nominasi.
5. Hasil pemeriksaan OJK dan tindak lanjutnya.
and the follow-up.
Changes in the composition of the Audit Committee, Risk
6. Perubahan susunan anggota Komite Audit, Komite Pemantau
Risiko, dan Komite Remunerasi & Nominasi yang selanjutnya
telah ditindaklanjuti melalui Surat Keputusan Direksi.
6.
7. Hasil dari pemeriksaan Audit internal.
7. The results of the internal audit examination.
8.
8. Completion of Policies related to Replacement and / or the
appointment of the Board of Commissioners and Board of
Directors Candidate.
Monitoring Committee and Remuneration & Nomination
Committee which in turn has been followed up by the Decree
of the Board of Directors.
Penyempurnaan Kebijakan terkait Penggantian dan/atau
pengangkatan Calon Dewan Komisaris dan Direksi.
Program Pelatihan Dewan Komisaris
Demi
terus
meningkatkan
Training Program of Board of Commissioners
kompetensi
sejalan
dengan
To improve the competency in line with the development of
perkembangan bisnis perbankan, selama tahun 2014,
Dewan
banking business, during 2014, the Board of Commissioners has
Komisaris telah mengikuti berbagai seminar/pelatihan/ workshop,
participated in various seminar/ training/ workshop, among others:
antara lain:
Seminar/ Seminar
Waktu/ Time
Tempat/ Place
Tjendrawati Widjaja
Refreshment UKMR
16 April 2014/ April 16, 2014
Jakarta
Sammy Kristamuljana
Refreshment UKMR
12 April 2014/ April 12, 2014
Jakarta
Rusmin
Tutorial dan Ujian UKMR L.2 Komisaris / Tutorial and
Test of UKMR L.2 for Commissioner
15 Maret 2014/ March 15, 2014
Jakarta
Annual Report 2014 | PT. BANK SINARMAS Tbk.
313
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
DIREKSI
BOARD OF DIRECTORS
Berdasarkan Pasal 1 angka (5) Undang-Undang Nomor 40
According to Article 1 paragraph (5) of Law No. 40 of 2007 on
Limited Liability Company (Company Law), the Company’s Board
of Directors is the authorized and are fully responsible organ for
the management of the Company for the benefit of the
Company, in accordance with the aims and objectives of the
Company and represent the Company, both inside and outside the
court in accordance the Articles of Association. In performing its
Tahun 2007 tentang Perseroan Terbatas (UUPT), Direksi adalah
organ Perseroan yang berwenang dan bertanggungjawab penuh
atas pengurusan Perseroan untuk kepentingan Perseroan, sesuai
dengan maksud dan tujuan Perseroan serta mewakili Perseroan,
baik di dalam maupun di luar pengadilan sesuai dengan Anggaran
Dasar. Dalam melaksanakan tugasnya, Direksi bertanggungjawab
kepada RUPS. Pertanggungjawaban Direksi kepada RUPS
merupakan perwujudan akuntabilitas pengelolaan perusahaan
sesuai dengan prinsip-prinsip GCG.
duties, the Board of Directors is responsible to the GMS.
Accountability of the Board of Directors to the GMS is the
embodiment of management accountability in accordance with the
principles of GCG.
Jumlah, Komposisi, dan Kriteria Direksi
Berdasarkan hasil RUPSLB yang diselenggarakan pada 24
Number, Composition and Criteria of Board of Directors Based on the
Maret 2015 diputuskan bahwa menyetujui pengangkatan Soejanto
appointment of Soejanto Soetjijo and Frenky Tirtowijoyo Susilo
Soetjijo dan Frenky Tirtowijoyo Susilo sebagai Direktur Perseroan.
as a Director of the Company has been approved. Thus, the
Dengan demikian, jumlah anggota Direksi Perseroan per 31
number of Board of Directors members of the Company per
Desember 2014 berjumlah 8 (delapan) orang yang terdiri dari 1
December 31, 2014 is 8 (eight) persons, consisting of 1 (one)
(satu) Direktur Utama, 5 (lima) Direktur, serta 2 (dua) Direktur
President Director, five (5) Directors, as well as two (2)
Independen.
Independent Directors.
314
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
results of EGM held on March 24, 2015, it was decided that the
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Dengan demikian jumlah, komposisi, dan kriteria Direksi
Perseroan telah sesuai dengan aturan internal maupun eksternal,
antara lain sebagai berikut:
Thus, the number, composition and criteria of Board of Directors
of Bank Sinarmas have fulfilled the internal and external
regulation, such as:
• Direksi diketuai oleh Direktur Utama.
• Board of Directors is led by President Director;
• Seluruh anggota Direksi berdomisili di Indonesia.
• All members of Board of Directors are domiciled in
•
• Members of Board of Directors consist of 8 (eight) people
Indonesia;
•
Anggota Direksi berjumlah 8 (delapan) orang, melebihi dari
jumlah Dewan Komisaris.
Pengangkatan Direksi dilakukan atas usul Komite
•
Remunerasi dan Nominasi sebelum dilakukan persetujuan
dalam RUPS.
Seluruh anggota Direksi telah lulus Fit and Proper test yang
dilakukan oleh Otoritas Jasa Keuangan.
Tugas dan Tanggung Jawab
Mengacu kepada ketentuan dalam Anggaran Dasar, keputusan
RUPS dan hukum yang berlaku di Indonesia khususnya dalam
bidang perbankan, tugas dan tanggung jawab Direksi secara umum
adalah sebagai berikut:
• Melaksanakan
sebaik-baiknya
tugas
dan
tanggung
•
over the total of Members of Board of Commissioners;
Appointment of Members of Board of Directors is conducted by
GMS based on recommendation of Remuneration and
Nomination Committee;
• All member of Board of Directors has passed Fit & Proper
Test of Bank Indonesia.
Duties and Responsibilities
Referring to the provisions of Articles of Association, GMS
decisions and prevailing laws in Indonesia, particularly in the areas
of banking, duties and responsibilities of the Board of Directors in
general are as follows::
• Carrying out duties and responsibilities as mandated by the
laws and regulations.
jawab sebagaimana yang diamanatkan dalam peraturan
perundang-undangan.
• Melaksanakan kewajiban yang telah diatur dalam Board Manual
•
beserta perubahannya dan Surat Keputusan Direksi beserta
perubahannya.
• Merumuskan,
menyusun,
mensosialisasikan,
dan
• Formulating, organizing, disseminating, and evaluating the
•
mengevaluasi visi, misi, etos kerja, dan nilai perusahaan.
Seluruh kebijakan tertulis Perusahaan baik dalam bentuk Surat
vision, mission, work ethic, and the value of the company.
•
Keputusan (SK) maupun Surat Edaran (SE) wajib disetujui dan
•
ditandatangani oleh anggota Direksi sesuai dengan ketentuan
internal Perseroan beserta perubahannya.
Menerapkan prinsip-prinsip GCG sebagaimana diatur
•
dalam Peraturan Bank Indonesia mengenai GCG dalam setiap
kegiatan usaha Bank pada seluruh tingkatan atau jenjang
organisasi.
Mengoptimalkan pemanfaatan seluruh sumber daya yang
•
dimiliki secara efektif dan efisien untuk pengembangan
Perusahaan.
Membina dan menjaga hubungan baik dengan seluruh pihak
Carrying out the obligations as set out in the Board Manual and
its amendments and the Decree of the Board of Directors and
its amendments.
The whole written policy of the Company either in the form of a
decree or Circular shall be approved and signed by Board of
Directors members in accordance with the internal regulations
of the Company and its amendment.
• Implementing GCG principles as set out in BI regulations in
each banking activity at all levels of the organization
• To optimize the utilization of all owned resources effectively and
efficiently in order to assist the Bank’s business development.
• Building and maintaining good relations with all parties
related to the Bank
yang terkait dengan Bank.
• Memiliki dan mematuhi pedoman tata tertib kerja dan pedoman
• Having and Complying to the work rules and Key Performance
Indicator (KPI) guidelines so that the performance of its duties
Key Performance Indicator (KPI) sehingga pelaksanaan
tugasnya dapat terarah dan efektif serta dapat digunakan
sebagai salah satu alat penilaian kinerja.
can be targeted, effective and used as a performance
assessment tool.
Carrying out every meetings’ resolutions with still refer to the
•
Melaksanakan setiap hasil keputusan rapat dengan tetap
mengacu pada Anggaran Dasar Perseroan dan Pedoman tata
tertib kerja Direksi.
•
Articles of Association of the Company and Board of
Directors’ Code of working rules.
Annual Report 2014 | PT. BANK SINARMAS Tbk.
315
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
• Mengatur dan menetapkan struktur organisasi, pendelegasian
wewenang dan uraian tugas yang jelas bagi setiap pejabat
ataupun pegawai, baik di kantor pusat maupun di kantor-kantor
cabang.
•
Menyusun dan melaksanakan sistem manajemen risiko
•
Seting up and establishing the organizational structure,
delegation of authority and clear job descriptions for each
officer or employee, both at headquarters and branch offices.
• Preparing and implementing a risk management system
covering all aspects of Company’s activities.
mencakup seluruh aspek kegiatan Perusahaan.
Berdasarkan
Surat
Keputusan
No.
SK.040/2013/PRESDIR-
CorSec&CorComm tertanggal 18 September 2013, tugas dan
As regulated in Decree of No. SK.040/2013/PRESDIRCorSec&CorComm dated September 18, 2013, duties and
responsibilities of each Director are as follows:
tanggung jawab masing-masing anggota Direksi adalah sebagai
berikut:
Nama
Freenyan Liwang
Name
Freenyan Liwang
Jabatan
Direktur Utama
Position
President Director
Tugas dan Tanggung Jawab
1. Koordinator kegiatan Direksi yang secara garis besar
adalah:
a. Mengkoordinasikan
seluruh
kegiatan
Anggota
Direksi guna meningkatkan efisiensi kerja dengan
memperhatikan span of control.
b. Mengkoordinasikan perumusan dan penyusunan strategi
perusahaan baik jangka panjang (Corporate Plan) maupun
jangka menengah/pendek (Rencana Bisnis Bank - RBB)
serta mengusulkannya guna mendapatkan persetujuan dari
Dewan Komisaris.
c.
Melaksanakan, mengawasi, dan mengevaluasi jalannya
Duties and Responsibilities
1. Coordinating all of Board of Directors’ activities which are
generally as follows:
a.
Coordinating all of the Board of Directors members’
activities to improve the working efficiency by taking into
account span of control;
b. Coordinating the formulation and preparation of both
long-term Corporate Plan and medium-term/shortterm Business Plan (RBB) and proposing it to obtain the
approval of the Board of Commissioners;
Corporate Plan & RBB agar sesuai dengan visi, misi, dan
objektif Perusahaan yang telah ditetapkan.
d. Mengkoordinasikan perumusan dan pelaksanaan strategi
c. Implementing, supervising, and evaluating Corporate Plan
& RBB in accordance with visions, missions, and
objectives of the Company that have been set;
d. Coordinating the formulation and implementation of
program Corporate Social Responsibility yang menunjang
kegiatan bisnis perusahaan.
e. Memiliki kewenangan untuk menentukan besarnya gaji atau
Corporate Social Responsibility strategies that support the
company’s business activities;
e. Having the authority to determine the amount of salary or
remunerasi kepada seluruh karyawan dan/atau pejabat
eksekutif.
remuneration to the employee and/or executive officers
under it.
2. Membawahi langsung unit kerja Audit Intern Work Unit (Satuan
Kerja Audit Intern - SKAI), Global Trade Services, Financial
Planning & Controlling, Strategic & Performance
Management, serta Regional Manager & Branch Manager
Thamrin yang secara garis besar adalah:
2. Directly supervising the work units, such as Internal
Audit Unit, Global Trade Services, Financial Planning &
Controlling, Strategic & Performance Management, as well as
the Regional Manager and Branch Manager Thamrin which are
generally as follows:
a. Melaksanakan fungsi pengendalian internal melalui
a. Carrying out internal control functions through the
SKAI;
b. Menetapkan, mengawasi dan mengevaluasi realisasi rencana
audit internal.
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PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Internal Audit Unit;
b. Establishing, monitoring and evaluating the realization of
the internal audit plan;
Kilas Kinerja 2014
Flashback Performance of 2014
Profil Perusahaan
Company Profile
Laporan Manajemen
Report of Management
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
c. Melakukan pengembangan terhadap Global Trade
Services.
c. Conducting the development of Global Trade Services;
d. Melakukan pengawasan strategi terhadap kinerja
Regional Manager & Main Branch Thamrin.
d. Conducting Strategic monitoring of the performance of
Regional Manager & Main Branch Thamrin.
3. Melakukan pengawasan dan evaluasi terhadap kinerja unit
3. Supervising and Evaluating the performance of work units
kerja dibawahnya.
under it.
Nama
Heru Agus Wuryanto
Name
Heru Agus Wuryanto
Jabatan
Direktur Syariah
Position
Sharia Director
Tugas dan Tanggung Jawab
Duties and Responsibilities
1. Ruang lingkup tugas dan tanggung jawabnya meliputi:
a. Bersama-sama Anggota Direksi lainnya meningkatkan
1. The scope of its duties and responsibilities includes:
a. Along with other Board of Directors members improving
efisiensi kerja dengan memperhatikan span of control.
b. Bersama-sama Anggota Direksi lainnya dan penyusunan
work efficiency by taking into account span of control;
b. Along with other Board of Directors members preparing the
strategi perusahaan baik jangka panjang (Corporate Plan)
maupun jangka menengah/pendek (Rencana Bisnis Bank RBB) serta mengusulkannya guna mendapatkan
persetujuan dari Dewan Komisaris.
c.
Melaksanakan, mengawasi, dan mengevaluasi jalannya
long-term strategy of both companies (Corporate Plan) as
well as medium-term/short-term Business Plan (RBB) and
proposing it to obtain the approval of the Board of
Commissioners;
c. Implementing, monitoring, and evaluating Corporate Plan &
Corporate Plan & RBB agar sesuai dengan visi, misi, dan
objektif Perusahaan yang telah ditetapkan.
d. Bersama-sama Anggota Direksi lainnya merumuskan
RBB in accordance with visions, missions, and objectives
of the Company that have been set;
d. Along with other Board of Directors members
dan melaksanakan
strategi
program
Corporate
Social Responsibility yang menunjang kegiatan bisnis
perusahaan.
e. Memiliki kewenangan untuk menentukan besarnya gaji atau
formulating and implementing the Corporate Social
Responsibility strategies that support the company’s
business activities;
e. Having the authority to determine the amount of salary or
remunerasi kepada karyawan dan/atau pejabat eksekutif
unit kerja dibawahnya.
remuneration to the employee and/or executive officers
under it.
2. Membawahi langsung unit kerja Syariah yang secara garis
besar adalah:
a. Mengatur dan mengawasi seluruh kegiatan Kantor
Cabang (KC) Syariah.
b. Mengawasi dan memastikan pelaksanaan fungsi Treasury
dalam rangka pengeloalaan dan penempatan dana yang
bersumber dari KC Syariah.
c. Mengawasi dan memastikan penyusunan Laporan
2. Directly supervising Sharia work units which are generally as
follows:
a. Coordinating and Monitoring all activities of sharia branch
offices;
b. Supervising
d.
Syariah dalam
dikeluarkan;
hal
operasional
dan
produk
yang
ensuring
the
implementation
of
Treasury function in the management and disposition of
the funds derived from Sharia branch offices;
c. Supervising and ensuring the preparation of the Consolidated
Keuangan Konsolidasi dari KC Syariah.
d. Menetapkan, mengawasi, dan mengevaluasi secara berkala
terhadap mekanisme penghimpunan dan penyaluran dana
serta pelayanan jasa Bank sesuai dengan Prinsip Syariah.
e. Bertanggung jawab terhadap pemenuhan Prinsip
and
Financial Statements of Sharia branch offices;
Establishing, supervising, and evaluating periodically the
mechanism of collection and distribution of funds and bank
services in accordance with Sharia principles;
e. Responsible for compliance with Sharia principles in
operations and products issued;
Annual Report 2014 | PT. BANK SINARMAS Tbk.
317
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
f. Mengawasi penerbitan Surat Edaran nisbah bagi hasil
setiap bulannya.
g. Mengikuti rapat koordinasi dengan Asset & Liabilities
Committee (ALCO) Syariah setiap bulan.
h. Melakukan pengawasan dan evaluasi terhadap kinerja unit
f. Supervising the issuance of Circular of revenue sharing
every month;
g. Attending a coordination meeting with the Assets &
Liabilities Committee (ALCO) Sharia every month;
h. Monitoring and evaluating the performance of work
units under it.
kerja di bawahnya.
Nama
Salis Teguh Hartono
Name
Salis Teguh Hartono
Jabatan
Direktur Compliance
Position
Compliance Director
Tugas dan Tanggung Jawab
Duties and Responsibilities
1. Ruang lingkup tugas dan tanggung jawabnya meliputi:
a. Bersama-sama Anggota Direksi lainnya meningkatkan
1. The scope of its duties and responsibilities includes:
a Along with other Board of Directors members improving
efisiensi kerja dengan memperhatikan span of control.
Bersama-sama Anggota Direksi lainnya dan penyusunan
work efficiency by taking into account span of control;
b. Along with other Board of Directors members preparing the
strategi perusahaan baik jangka panjang (Corporate Plan)
maupun jangka menengah/pendek (Rencana Bisnis Bank RBB) serta mengusulkannya guna mendapatkan
persetujuan dari Dewan Komisaris.
c.
Melaksanakan, mengawasi, dan mengevaluasi jalannya
long-term strategy of both companies (Corporate Plan) as
well as medium-term/short-term Business Plan (RBB) and
proposing it to obtain the approval of the Board of
Commissioners;
c. Implementing, monitoring, and evaluating Corporate Plan &
Corporate Plan & RBB agar sesuai dengan visi, misi, dan
objektif Perusahaan yang telah ditetapkan.
d. Bersama-sama Anggota Direksi lainnya merumuskan
RBB in accordance with visions, missions, and objectives
of the Company that have been set;
d. Along with other Board of Directors members
b.
dan
melaksanakan
strategi
program
Corporate
Social Responsibility yang menunjang kegiatan bisnis
perusahaan;
e. Memiliki kewenangan untuk menentukan besarnya gaji atau
remunerasi kepada karyawan dan/atau pejabat eksekutif
unit kerja dibawahnya.
formulating and implementing the Corporate Social
Responsibility strategies that support the company’s
business activities;
e. Having the authority to determine the amount of salary or
remuneration to the employee and/or executive officers
under it.
2. Membawahi langsung unit kerja Compliance & Legal, serta
Corporate Secretary & Communication Department yang
secara garis besar adalah :
a. Mewujudkan terlaksananya budaya kepatuhan pada seluruh
2. Directly supervising work units such as Compliance & Legal,
Corporate Secretary & Communication Department which are
generally as follows:
a. Implementing a culture of compliance at all levels of the
tingkatan organisasi dan kegiatan usaha Bank.
b. Mengawasi hasil penerapan kebijakan-kebijakan dan
organization and activities of the Bank’s business;
b. Supervising the results of the policies and regulations in
peraturan perusahaan dibidang operasional yang telah
disetujui pihak Manajemen, untuk memastikan penerapan
the field of operations that have been approved by
Management, to ensure the implementation of policies and
regulations of the company has been carried out according
kebijakan-kebijakan
dan
peraturan
perusahaan tersebut telah berjalan sesuai dengan rencana.
c. Mengkaji dan mengevaluasi (memastikan) secara berkala
semua kebijakan dan peraturan
internal Bank,
selanjutnya memberikan usulan dalam rangka perbaikan,
penyesuaian dan penyempurnaannya.
to plan;
c. Reviewing and evaluating (ensuring) periodically all
the Bank’s internal policies and regulations, and then
proposing
the
improvement,
adjustments,
and
enhancement;
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Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
d. Mengikuti dan memastikan seluruh ketentuan/ peraturan
perundang-undangan
yang
berlaku,
peraturan yang dikeluarkan oleh Bank Indonesia serta
perjanjian-perjanjian yang pernah dibuat telah dipatuhi dan
dijalankan dengan baik dan benar.
e. Melaporkan pelaksanaan tugas dan tanggung jawabnya
Komisaris.
Melakukan
pengawasan
atas
dokumen-dokumen
permohonan kredit dengan nilai fasilitas di atas
Rp50.000.000.000 (lima puluh milyar rupiah) agar sesuai
dengan ketentuan internal dan eksternal perbankan yang
berlaku serta peraturan perundang- undangan/hukum
positif yang berlaku di Indonesia.
g. Melakukan pengawasan atas pendapat hukum yang
dikeluarkan dan permasalahan hukum perusahaan
yang ada di dalam pelaksanaan kegiatan perbankan serta
sebagai wakil perusahaan dalam menyelesaikan masalah
hukum dengan pihak eksternal seperti dokumen-dokumen
h.
tertulis atau perjanjian Bank.
Merencanakan, mengarahkan, mengkoordinasikan dan
mengelola kegiatan
kesekretariatan.
yang
berkaitan
dengan
bidang
i. Melakukan pengawasan dan evaluasi terhadap kinerja
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
d. Following and ensuring that all prevailing laws and
regulations, regulations issued by Bank Indonesia
and agreements ever made has been complied and
implemented properly;
e.
kepada Direktur Utama dengan tembusan kepada Dewan
f.
Profil Perusahaan
Company Profile
f.
Reporting the performance of his/her duties and
responsibilities to the Managing Director with a copy to
Board of Commissioners;
Monitoring over the loan application documents with
facility value above Rp50.000.000.000 (fifty billion
rupiahs) to comply with prevailing internal and external
banking conditions and regulations/positive laws in
Indonesia;
g. Supervising the legal opinion issued and existing corporate
law issues in the implementation of banking activities as
well as representatives of the company in resolving legal
issues with external parties such as written documents or
Bank’s agreements;
h. Planning, directing, coordinating and managing the activities
related to the secretarial field;
i.
unit kerja dibawahnya.
Supervising and evaluating the performance of the
work unit under it.
Nama
Loa Johnny Mailoa
Name
Loa Johnny Mailoa
Jabatan
Direktur Enterprise Banking
Position
Enterprise Banking Director
Tugas dan Tanggung Jawab
Duties and Responsibilities
1. Ruang lingkup tugas dan tanggung jawabnya meliputi:
1. The scope of its duties and responsibilities includes:
a.
Bersama-sama Anggota Direksi lainnya meningkatkan
efisiensi kerja dengan memperhatikan span of control.
b. Bersama-sama Anggota Direksi lainnya dan penyusunan
a. Along with other Board of Directors members improving
work efficiency by taking into account span of control;
b. Along with other Board of Directors members preparing the
strategi perusahaan baik jangka panjang (Corporate Plan)
maupun jangka menengah/pendek (Rencana Bisnis Bank RBB) serta mengusulkannya guna mendapatkan
persetujuan dari Dewan Komisaris.
c.
Melaksanakan, mengawasi, dan mengevaluasi jalannya
long-term strategy of both companies (Corporate Plan) as
well as medium-term/short-term Business Plan (RBB) and
proposing it to obtain the approval of the Board of
Commissioners;
c. Implementing, monitoring, and evaluating Corporate Plan &
Corporate Plan & RBB agar sesuai dengan visi, misi, dan
objektif Perusahaan yang telah ditetapkan;
d. Bersama-sama Anggota Direksi lainnya perumusan
RBB in accordance with visions, missions, and objectives
of the Company that have been set;
dan pelaksanaan strategi program Corporate Social
Responsibility yang
menunjang
kegiatan
bisnis
perusahaan;
d.
Along
with
other
Board
of
Directors
members
formulating and implementing the Corporate Social
Responsibility strategies that support the company’s
business activities;
Annual Report 2014 | PT. BANK SINARMAS Tbk.
319
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
e. Memiliki kewenangan untuk menentukan besarnya gaji atau
remunerasi kepada karyawan dan/atau pejabat eksekutif
unit kerja dibawahnya.
2. Membawahi langsung unit kerja Treasury, Credit Analyst,
dan Asset Acquisition yang secara garis besar adalah:
e. Having the authority to determine the amount of salary or
remuneration to the employee and/or executive officers
under it.
2. Directly supervising work units such as Treasury, Credit
Analyst, and Asset Acquisition which are generally as follows:
a. Responsible for budget and profit targets of Treasury;
a. Bertanggung jawab atas budget dan target profit
Treasury;
b. Mengawasi Fixed Income Trading Desk (Bond Trading);
c. Mengawasi Derivative dan Struktur Product Desk
(Investment Portfolio);
d. Bertanggung jawab atas pengawasan pelaksanaan
settlement di Treasury dan laporan-laporannya;
e.
b. Supervising Fixed Income Trading Desk (Bond Trading);
c. Supervising Derivatives and Product Desk Structure
(Investment Portfolio);
d. Responsible for supervising the implementation of
settlement in the Treasury and its reports;
e. Establishing, supervising, and evaluating the strategy of
Menetapkan, mengawasi, dan mengevaluasi strategi
peningkatan volume transaksi jual beli valuta asing;
f.
increasing the volume of buying and selling foreign
currencies;
Responsible for the overall management of the Bank’s
f. Bertanggung jawab terhadap pengelolaan perkreditan Bank
secara keseluruhan yang meliputi penetapan kebijakan,
strategi dan pengelolaan administrasi dan pengawasan
credit that includes the establishment of policies, strategies
and administrative management and credit control;
g. Approving the provision of credit facilities and non- credit
kredit;
Menyetujui penyediaan fasilitas kredit dan fasilitas non
facilities as stipulated in the Decree of the Board of
Directors on Authority Breaking Credit and Limits;
h. Planning, developing, controlling and conducting
g.
kredit sebagaimana diatur dalam Surat Keputusan Direksi
tentang Batas dan Wewenang Memutus Kredit;
h. Merencanakan, mengembangkan, mengendalikan dan
melakukan langkah-langkah perbaikan atas berbagai
kelemahan maupun penyimpangan kegiatan perkreditan;
Menetapkan strategi, mengawasi, dan mengevaluasi
i.
pengendalian Non Performing Loan (NPL);
j. Melakukan pengawasan dan evaluasi terhadap kinerja
corrective measures on the weaknesses and irregularities of
lending activities;
i. Establishing strategies, superviseing, and evaluating control
of non-performing loan (NPL);
j. Supervising and evaluating the performance of the
work unit under it.
unit kerja dibawahnya.
Nama
Halim
Name
Halim
Jabatan
Direktur Liabilities & Business Distribution
Position
Direktur Liabilities & Business Distribution
Tugas dan Tanggung Jawab
Duties and Responsibilities
1. Ruang lingkup tugas dan tanggung jawabnya meliputi:
1. The scope of its duties and responsibilities includes:
a.
Bersama-sama Anggota Direksi lainnya meningkatkan
efisiensi kerja dengan memperhatikan span of control;
b. Bersama-sama Anggota Direksi lainnya dan penyusunan
a. Along with other Board of Directors members improving
work efficiency by taking into account span of control;
b. Along with other Board of Directors members preparing the
strategi perusahaan baik jangka panjang (Corporate Plan)
maupun jangka menengah/pendek (Rencana Bisnis Bank RBB) serta mengusulkannya guna mendapatkan
persetujuan dari Dewan Komisaris;
long-term strategy of both companies (Corporate Plan) as
well as medium-term/short-term Business Plan (RBB) and
proposing it to obtain the approval of the Board of
Commissioners;
320
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Kilas Kinerja 2014
Flashback Performance of 2014
Profil Perusahaan
Company Profile
Laporan Manajemen
Report of Management
c.
Melaksanakan, mengawasi, dan mengevaluasi jalannya
Corporate Plan & RBB agar sesuai dengan visi, misi, dan
objektif Perusahaan yang telah ditetapkan;
d. Bersama-sama Anggota Direksi lainnya merumuskan
dan melaksanakan
strategi
program
Corporate
Social Responsibility yang menunjang kegiatan bisnis
perusahaan;
e. Memiliki kewenangan untuk menentukan besarnya gaji atau
remunerasi kepada karyawan dan/atau pejabat eksekutif
unit kerja di bawahnya.
2. Membawahi langsung unit kerja Liabilities Product
Development, Information Technology, Transaction Service
Management, Accounting, Credit Administration & Control,
Electronic Channel Operations, Optimizing & Productivity
Enhancement, dan Business Continuity Plan yang secara garis
besar adalah :
a. Melakukan pengawasan atau memastikan bahwa koordinasi
antara pihak internal maupun eksternal terkait
pengembangan produk awas dan mengarahkan kegiatan
operasional kartu kredit;
b. Menetapkan, mengawasi dan mengevaluasi realisasi rencana
pengembangan jaringan teknologi informasi;
c. Menetapkan
kebijakan
dan
prosedur
e.
c. Implementing, monitoring, and evaluating Corporate Plan &
RBB in accordance with visions, missions, and objectives
of the Company that have been set;
d.
marketing channel;
Menetapkan dan mengawasi strategi pendeteksian dini
remuneration to the employee and/or executive officers
under it.
2. Directly
g. Bertanggung jawab atas pendapatan Fee Based Income;
h.
Menetapkan dan mengawasi penerapan kebijakan yang
terkait dengan efisiensi;
i. Memberikan tanggapan dan tindak lanjut hasil pemeriksaan
intern (SKAI) dan ekstern (OJK dan Akuntan Publik)
terhadap sistem informasi keuangan;
j. Melakukan koordinasi untuk memastikan bahwa seluruh
kewajiban
pelaporan
perusahaan
telah
disampaikan kepada otoritas dan/atau pihak-pihak yang
supervising
work
units
such
as
Product
Development, Information Technology, Transaction Service
Management, Accounting, Credit Administration & Control,
Electronic Channel Operations, Optimizing & Productivity
Enhancement, and Business Continuity Plan which are
generally as follows:
a. Supervising or ensuring that the coordination between
internal and external parties related to product development
and directing the operations of the credit card;
b. Establishing, supervising and evaluating the realization of
information technology network development plan;
c. Establishing policies and procedures related
to the
implementation of adequate technology and disseminating
information effectively, both at the working unit of
information technology providers and users concerned;
d. Supervising and directing acquisition of credit card through
marketing channels;
e. Establishing and supervising early detection strategies to
minimize credit card fraud;
f. Conducting Recruitment, training, and provision of
untuk meminimalisir penipuan kartu kredit;
f. Melakukan perekrutan, pembinaan, dan pengadaan
Credit Card & Merchant Business;
Along with other Board of Directors members
formulating and implementing the Corporate Social
Responsibility strategies that support the company’s
business activities;
e. Having the authority to determine the amount of salary or
terkait
penyelenggaraan teknologi informasi yang memadai dan
mensosialisasikannya secara efektif, baik pada satuan
kerja
penyelenggara
maupun
pengguna
teknologi informasi yang bersangkutan;
d. Mengawasi dan mengarahkan akuisisi kartu kredit melalui
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Credit Card & Merchant Business;
g. Responsible for the fee-based income;
h. Establishing and supervising the implementation of policies
related to efficiency;
i. Providing feedback and follow-up results of Internal Audit
j.
Unit and external(BI and Public Accountant) of the financial
information system;
Coordinating to ensure that all reporting obligations of
the company has been submitted to the authorities and/or
interested parties such as Bank Indonesia, UP3, Director
General of Taxation, Board of Commissioners, the
Shareholders, etc;
berkepentingan seperti Bank Indonesia, UP3, Dirjen Pajak,
Dewan Komisaris, Pemegang Saham, dll;
Annual Report 2014 | PT. BANK SINARMAS Tbk.
321
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
k.
Bertanggung jawab terhadap kegiatan operasional
Bank, baik di Kantor Pusat maupun di KC yang telah
berjalan dengan baik dan lancar, taat asas, akurat, sesuai
kebijakan dan ketentuan yang telah ditetapkan serta
peraturan perundang-undangan yang berlaku di Indonesia;
l. Melaksanakan
pembukaan
KCP/Kantor
Cabang
k.
policies and prevailing laws and regulations in Indonesia;
l.
Pembantu/Kantor Kas sesuai dengan rencana kerja
manajemen dan sesuai dengan Peraturan Bank Indonesia;
m. Bertanggung jawab terhadap setiap proses pengajuan ke
Bank Indonesia agar sesuai dengan ketentuan yang berlaku
sehingga tidak terdapat kesalahan di dalam pengajuan ijin
yang akan berdampak pada mundurnya waktu pembukaan
dan tentunya reputasi perusahaan di mata Bank Indonesia;
n. Bertanggung
jawab
terhadap
semua
rencana
pembukaan kantor yang telah masuk ke dalam RBB agar
dapat terlaksana sesuai jadwal;
o. Mempresentasikan rencana pembukaan kantor kepada
Responsible for the operations of the Bank, both at
head office and branch offices that has been run well
and smoothly, obey the principle, accurate, in accordance
Implementing the Branch Offices/Cash Offices opening in
accordance with the management work plan in accordance
with Bank Indonesia Regulation;
m. Responsible for any filing process to Bank Indonesia to
comply with prevailing regulations so that there are no
errors in the application for permission that will have an
impact on the decline of the opening time and company’s
reputation in the front of Bank Indonesia;
n. Responsible for all offices opening plans that have been
entered into the RBB to be implemented on schedule;
Bank Indonesia;
p.
Bertanggung jawab terhadap pelaksanaan pembayaran
pajak kendaraan bermotor, reklame, tanah dan bangunan
secara tepat waktu;
q. Melakukan pembinaan dan mengawasi seluruh kegiatan
Loan Administration di KC, guna memastikan telah
dikelolanya administrasi kredit cabang sesuai dengan
prosedur/ketentuan Bank;
r. Melakukan pembinaan terhadap Loan Administration KC
dalam
melakukan
pengawasan
dokumen
perpanjangan kredit, jaminan dan asuransi yang akan jatuh
tempo;
s. Mengawasi
persiapan
gedung/ruangan
p. Responsible for the implementation of vehicle,
billboards, lands and buildings tax payments on time;
q. Conducting training and supervising all activities of
Loan Administration in branch offices, to ensure credit
administration branch has been managed in accordance with
the procedures / regulations of the Bank;
r. Providing guidance to the Loan Administration in branch
offices in monitoring credit extension documents,
guarantees and insurances that will be expired;
dan
perlengkapan lainnya bagi cabang/unit kerja KPNO
termasuk pemeliharaan dan perbaikan gedung;
t. Mengawasi kegiatan koordinasi dalam pengurusan perijinan
pada kantor pemerintah daerah, kecamatan, kelurahan,
kabupaten dan/atau instansi atau pihak ketiga lainnya;
u.
Merencanakan, mengarahkan dan mengkoordinasikan
kegiatan Service Quality serta mendukung terciptanya
efisiensi dan efektivitas Service Quality;
v. Memastikan pelayanan nasabah berjalan sesuai ketentuan
dan prosedur yang berlaku.
w. Melakukan pengawasan dan evaluasi terhadap kinerja unit
kerja di bawahnya.
o. Presenting the office opening plan to Bank Indonesia;
s. Supervising the preparation of buildings/rooms and other
supplies
for
the
branch
offices/Non-operational
Headquaters including maintenances and repairs;
t. Supervising the coordination activities of Licensing
applications in local government/agency offices and other
third parties;
u.
Planning, directing and coordinating the Service Quality
activities and supporting the realization of efficiency
and effectiveness in the Service Quality;
v. Ensuring customer services run in accordance with the
prevailing regulations and procedures;
w. Supervising and evaluating the performance of work units
under it.
322
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Nama
Hanafi Himawan
Nama
Hanafi Himawan
Jabatan
Direktur Risk Management & Human Capital
Position
Risk Management & Human Capital Director
Tugas dan Tanggung Jawab
Duties and Responsibilities
1. Ruang lingkup tugas dan tanggung jawabnya meliputi:
a. Bersama-sama Anggota Direksi lainnya meningkatkan
1. The scope of its duties and responsibilities includes:
a. Along with other Board of Directors members improving
efisiensi kerja dengan memperhatikan span of control.
Bersama-sama Anggota Direksi lainnya dan penyusunan
work efficiency by taking into account span of control;
b. Along with other Board of Directors members preparing the
strategi perusahaan baik jangka panjang (Corporate Plan)
maupun jangka menengah/pendek (Rencana Bisnis Bank RBB) serta mengusulkannya guna mendapatkan
persetujuan dari Dewan Komisaris.
c.
Melaksanakan, mengawasi, dan mengevaluasi jalannya
long-term strategy of both companies (Corporate Plan) as
well as medium-term/short-term Business Plan (RBB) and
proposing it to obtain the approval of the Board of
Commissioners;
c. Implementing, monitoring, and evaluating Corporate Plan &
Corporate Plan & RBB agar sesuai dengan visi, misi, dan
objektif Perusahaan yang telah ditetapkan.
d. Bersama-sama Anggota Direksi lainnya merumuskan
RBB in accordance with visions, missions, and objectives
b.
dan melaksanakan
strategi
program
Corporate
Social Responsibility yang menunjang kegiatan bisnis
perusahaan.
e. Memiliki kewenangan untuk menentukan besarnya gaji atau
remunerasi kepada karyawan dan/atau pejabat eksekutif
unit kerja di bawahnya.
2. Membawahi langsung unit kerja Credit, Operational &
Enterprise Risk Management, Market, Liquidity & Anti Fraud
Monitoring, Human Capital Recruitment & Administration
Support, Human Capital System & Strategic dan General
Affairs yang secara garis besar adalah :
a. Menetapkan, mengawasi, dan mengevaluasi kebijakan
d.
of the Company that have been set;
Along with other Board of
Directors
members
formulating and implementing the Corporate Social
Responsibility strategies that support the company’s
business activities;
e. Having the authority to determine the amount of salary or
remuneration to the employee and/or executive officers
under it.
2. Directly supervising work units such as Credit, Operational &
Enterprise Risk Management, Market, Liquidity & Anti Fraud
Monitoring, Human Capital Recruitment & Administration
Support, Human Capital System & Strategic and General
Affairs which are generally as follows:
a. Establishing, supervising, and evaluating the risk
manajemen risiko dan implikasinya bagi Perseroan;
management policy and its implications for the company;
b. Implementing risk management through the Risk
b. Menerapkan manajemen risiko dengan baik melalui Komite
Manajemen Risiko dan Satuan Kerja Manajemen Risiko
(SKMR);
c.
Menetapkan dan mengawasi penerapan kebijakan anti
fraud (LED, FDS, dan Mantis Complaint Handling) dalam
memitigasi risiko melalui whistleblower;
d. Memastikan bahwa fungsi Manajemen Risiko telah
diterapkan secara independen;
e. Menetapkan,
mengawasi,
f.
dan
memastikan
terlaksananya hubungan industrial secara tepat, benar
dan akurat sesuai ketentuan ketenagakerjaan, peraturan &
kebijakan perusahaan, serta best practice yang berlaku;
Mengarahkan, menetapkan, dan mengawasi kegiatan
pengembangan sumber daya manusia (Human Capital);
Management Committee and Risk Management Unit;
c.
Establish and oversee the implementation of anti-fraud
policy (LED, FDS, and Mantis Complaint Handling) in
mitigating risk through the whistleblower system;
d. Ensuring that the risk management function has been
implemented independently;
e Establishing,
Supervising
and
ensuring
the
implementation
industrial
relations
appropriately,
properly and accurately in accordance the prevailing
conditions of employment, regulations, policies of the
company, and best practice;
f. Directing, establishing, and supervising the activities of
Human Capital development;
Annual Report 2014 | PT. BANK SINARMAS Tbk.
323
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
g. Mengawasi dan memastikan seluruh aset tetap dan bergerak
sebagaimana telah diadministrasikan oleh unit kerja terkait;
h. Mengawasi dan memastikan persiapan gedung/ruangan dan
g. Supervising and ensuring that all fixed and mobile assets as
have been administered by the related work units;
perlengkapan lainnya bagi cabang/ unit kerja KPNO
termasuk pemeliharaan dan perbaikan gedung;
h.
i. Mengawasi kegiatan koordinasi dalam pengurusan perijinan
pada kantor pemerintah daerah, kecamatan, kelurahan,
kabupaten dan/atau instansi atau pihak ketiga lainnya.
j. Melakukan pengawasan dan evaluasi terhadap kinerja unit
i.
Supervising and ensuring the preparation of buildings/
rooms and other supplies for the branch offices/Nonoperational Headquaters including maintenances and
repairs;
Supervising the coordination activities of Licensing
applications in local government/agency offices and other
third parties;
kerja dibawahnya.
j.
Independensi dan Transparansi Direksi
Supervising and evaluating the performance of work units
under it.
Independensi dan transparansi Direksi merupakan salah satu faktor
yang harus terus dijaga untuk kepentingan Perseroan agar terhindar
Independency and Transparency of Board of Directors Independency
dari konflik kepentingan. Untuk menjaga independensi tersebut,
and transparency of Board of Directors is one of the factors that
seluruh anggota Direksi yang menjabat di Bank Sinarmas
must be maintained for the benefit of the Company in order to
diharuskan untuk tidak memiliki hubungan keuangan, keluarga
prevent conflicts of interest. To maintain the independency, all
(sampai derajat ke dua vertikal maupun horizontal) dengan anggota
Board of Directors members of Bank Sinarmas are required to
Dewan Komisaris, anggota Direksi lainnya, dan/atau pemegang
not have a financial, family (to second degree, both vertically and
saham pengendali.
horizontally) relationship with Board of Commissioners members,
Board of Directors members, and/ or controlling shareholders.
Hubungan keuangan dengan / Financial
Relationship with
Komisaris
/ Board of
Commissioners
Nama / Name
Ya /
Yes
Freenyan Liwang
Ya /
Yes
x
Wuryanto
x
x
x
x
x
x
x
x
Frenky Tirtowijoyo Susilo
x
x
x
Tidak
/ no
x
x
x
x
Komisaris
/ Board of
Commissioners
Tidak /
no
Ya /
Yes
Tidak /
no
x
x
x
x
x Halim
x
Pemegang
Saham
Pengendali /
Controlling
Shareholders
Ya /
Yes
x Loa Johnny Mailoa
x
x
x
x
x
x
Tidak /
no
x Heru Agus
x
x
x
Tidak
/ no
x
x
x Soejanto Soetjijo
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Ya /
Yes
x
x Hanafi Himawan
x
Direksi
/
Board of
Directors
x Salis Teguh Hartono
Per tanggal 31 Desember 2014, jumlah total kepemilikan saham
oleh anggota Direksi berjumlah 4.154.375 atau 0,03% dari seluruh
jumlah saham di Bank Sinarmas.
324
Ya /
Yes
x
x
x
Pemegang
Saham
Pengendali /
Controlling
Shareholders
Direksi / Board of
Directors
Tidak /
no
Hubungan keluarga dengan / Family
Relationship with
x
x
x
x
x
As of December 31, 2013, the total amount of Shareholding by
members of the Board of Directors amounted to 4.154.375 atau
0,03% of the total number of shares of Bank Sinarmas
Kilas Kinerja 2014
Flashback Performance of 2014
Profil Perusahaan
Company Profile
Laporan Manajemen
Report of Management
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Kepemilikan Saham / Shares Ownerships
Nama / Name
Jabatan / Position
Presentase Kepemilikan /
Percentage of Ownership
Jumlah Saham / Total Shares
Freenyan Liwang
Direktur utama / President Director
Halim
Direktur / Director
Pedoman dan Tata Tertib Kerja Direksi
Pedoman dan tata tertib kerja Direksi ditetapkan melalui Surat
Keputusan No. 005/2013/DIR1-CorpSec&CorpComm tertanggal 9
September 2013 yang secara garis besar mengatur tentang hari, jam
kerja, cuti, dan izin Direksi serta ketentuan penyelenggaraan dan
pengambilan keputusan rapat, kode etik, dan peningkatan
kompetensi Direksi.
Pada April 2015, Bank telah melakukan penyesuaian pedoman dan
tata tertib kerja Direksi sesuai dengan Peraturan Otoritas Jasa
Keuangan (POJK) yang ditetapkan melalui Surat Keputusan No.
005/2015/PRESDIR-CorSec tertanggal 1 April 2015.
3.714.375
0,03%
440.000
0,00%
Guidelines and Work Procedures of Board of Directors Guidelines and
work procedures of Board of Directors are set forth in the decree
number 005/2013/ DIR1CorSec&CorComm dated September 9,
2013 that regulate about day, working hours, leave and
permission of Board of Directors and regulation of implementation
and decision of meeting, code of Conducts, and the improvement of
Board of Directors competence.
In April 2005, the Bank has adjusted the guideliens and work
regulations of the Board of Directors according to the Regulation
of the Financial Services Authority (POJK) stipulated by virtue of
Decree No. 005/2015/PRESDIR-CorSec dated April
1, 2015.
Frekuensi, Tingkat Kehadiran, dan Rekap Absensi Rapat
Direksi
Frequency, Attendance list and Absence of Meeting of
Board of Directors
Selama 2014, Direksi telah menyelenggarakan rapat sebanyak
In 2014, Board of Directors has conducted 36 (thirty six)
times meeting, led by the President Director or other Board of
Directors’ members in case that the President Director is unable to
attend. The entire results of the meeting was decided by consensus
agreement and set forth in writing in the minutes of meetings and
well documented.
36 kali yang dipimpin oleh Direktur Utama atau anggota
Direksi lainnya dalam hal Direktur Utama berhalangan hadir. Hasil
rapat diputuskan dengan mengedepankan musyawarah mufakat dan
dituangkan secara tertulis ke dalam risalah rapat serta
didokumentasikan dengan baik.
Dengan demikian, Bank Sinarmas telah memenuhi ketentuan Bank
Indonesia tentang pelaksanaan GCG dan ketentuan internal
Perseroan yaitu Board Manual serta Pedoman Tata Tertib Kerja
Direksi.
No.
Nama / Name
Therefore, Bank Sinarmas has complied with the regulations of
Bank Indonesia on the GCG implementation and the Company’s
internal regulation namely Board Manual and the Guidelines of
Work Procedure of Board of Directors.
Frekuensi Kehadiran /
Attendance Frequency
Jabatan / Position
Persentase /
Percentage
1
Freenyan Liwang
Direktur Utama / President Director
33/36
91,6%
2
Heru Agus Wuryanto
Direktur / Director
30/36
83,3%
3
Salis Teguh Hartono
Direktur Independen / Independent Director
29/36
80,5%
4
Loa Johnny Mailoa
Direktur / Director
29/36
80,5%
5
Halim
Direktur / Director
27/36
75%
6`
Hanafi Himawan
Direktur Independen / Independent Director
32/36
88,8%
7
Soejanto Soetjijo*
Direktur / Director
0/36
-
8
Frenky Tirtowijoyo Susilo*
Direktur / Director
0/36
-
*) Soejanto Soetjijo dan Frenky Tirtowijoyo Susilobaru menjabat sebagai Direktur
sejak RUPSLB 24 Maret 2015
*) Soejanto Soetjijo and Frenky Tirtowijoyo Susilo recently served as director
since EGM on March 24, 2015
Annual Report 2014 | PT. BANK SINARMAS Tbk.
325
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Rekap Absensi Rapat
Inisial Tanggal / Initial Date
21 Januari / January 21
Recap of Meeting Attendance
Freenyan
Liwang
Heru Agus
Wuryanto
Loa
Johnny
Mailoa
Halim
Hanafi
Himawan
√
√
√
√
√
√
√
x
√
x
√
√
√
√
√
x
√
25 Februari / February 25
√
√
√
√
√
√
11 Maret / March 11
x
√
√
√
√
√
18 Maret / March18
√
√
√
√
√
√
28 Januari / January 28
18 Februari / February 18
√
Salis
Teguh
Hartono
25 Maret / March 25
√
√
√
x
√
√
8 April / April 8
√
√
√
√
√
√
15 April / April 15
√
x
√
√
√
x
22 April / April 22
√
√
√
x
√
√
29 April / April 29
√
√
√
√
√
√
√
x
√
√
x
√
x
x
√
13 Mei / May 13
23 Mei / May 23
√
√
x
10 Juni / June 10
√
√
√
√
√
√
24 Juni / June 24
X
√
√
√
√
√
1 Juli / July 1
X
√
√
√
x
x
15 Juli / July 15
√
√
√
√
√
√
17 Juni / July 17
√
x
√
x
√
√
22 Juli / July 22
√
√
√
√
√
√
√
√
x
√
√
x
12 Agustus / August 12
√
√
19 Agustus / August 19
√
√
√
x
26 Agustus / August 26
√
√
√
x
√
x
9 September / September 9
√
√
√
√
√
√
16 September / September 16
√
√
√
√
√
√
23 September / September 23
√
√
x
√
x
√
30 September / September 30
√
√
√
√
√
√
14 Oktober / October 14
√
√
x
√
√
√
√
x
√
√
√
√
√
21 Oktober / October 21
28 Oktober / October 28
√
√
√
√
x
11 November / November 11
√
√
x
√
√
√
18 November / November 18
√
x
√
√
√
√
25 November / November 25
√
√
√
√
√
√
9 Desember / December 9
√
√
x
√
√
√
16 Desember / December 16
√
x
√
√
√
√
23 Desember / December 23
√
√
√
√
x
√
√
x
x
√
√
30 Desember / December 30
√
*) Soejanto Soetjijodan Frenky Tirtowijoyo Susilobaru menjabat sebagai Direktur
sejak RUPSLB 24 Maret 2015
326
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Soejanto
Soetjijo*
Frenky
Tirtowijoyo
Susilo*
*) Soejanto Soetjijodan Frenky Tirtowijoyo Susilabaru served as Director since
EGMS March 24, 2015
Kilas Kinerja 2014
Flashback Performance of 2014
Profil Perusahaan
Company Profile
Laporan Manajemen
Report of Management
Agenda Rapat Direksi
Tanggal /
Dates
21 Januari
January 21
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Board of Directors Meeting Agenda
Nomor Risalah Rapat /
Number of Minutes of Meeting
RR No.002/2014/DIR
Agenda Rapat
Meeting Agenda
•
•
•
•
•
•
•
•
•
Kredit
Fee Based Income
Produk
Kartu Kredit
Virtual Branch
Program Simas Holiday Service (SHS)
Pembukaan Kantor Cabang Syariah
Penyaluran Kredit Mikro
Struktur Organisasi Cabang
•
•
•
•
•
•
•
•
•
Credit
Fee Based Income
Product
Credit Card
Virtual Branch
Simash Holiday Service (SHS)
Program
Opening of Sharia Branch Office
Micro Credit Distribution
Branch’s Organization Structure
28 Januari
January 28
RR No.003/2014/DIR
•
•
•
•
•
Penyelenggaraan Training
Pengembangan Program Mckinsey
Produk
Business Partner
Kartu Kredit
•
•
•
•
•
Training
Mckinsey Program development
Product
Business Partner
Credit Card
18 Februari
February 18
RR No.006/2014/DIR
•
•
•
•
•
•
•
Business Partner
Wali Amanat & Kustodian
E-Form
Fee Based Income
Produk
Training
Fraud Monitoring
•
•
•
•
•
•
•
Business Partner
Trustee & Custodian
E-Form
Fee Based Income
Product
Training
Fraud Monitoring
RR No.007/2014/DIR
•
•
•
•
•
•
•
•
•
•
Maintenance Fee
Simobi dan I-Banking
Launching E-Form
Kartu Kredit
Business Partner
Kredit Retail
Lending & Funding
Kerja sama Pihak Ketiga
BPJS
Kartu ATM
•
•
•
•
•
•
•
•
•
•
Maintenance Fee
Simobi and I-Banking
E-Form Launching
Credit Card
Business Partner
Retail Credit
Lending & Funding
Third Party Cooperation
BPJS
ATM
RR No.009/2014/DIR
•
•
•
•
Retail Banking
Channeling
Kinerja Keuangan
Struktur Organisasi
•
•
•
•
Retail Banking
Channeling
Financial Performance
Organization Structure
RR No.010/2014/DIR
•
•
•
•
Tingkat Kesehatan Bank
Struktur Organisasi
Produk
Kartu Kredit
•
•
•
•
Bank’s Health Level
Organization Structure
Product
Credit Card
RR No.011/2014/DIR
•
•
•
•
•
•
•
Kredit
Project Mckinsey
Kartu Kredit
Struktur Organisasi
Tingkat Kesehatan Bank
Channeling
ATM
•
•
•
•
•
•
•
Credit
Mckinsey Project
Credit Card
Organization Structure
Bank Health Level
Channeling
ATM
RR No.013/2014/DIR
•
•
•
•
•
•
•
Struktur Organisasi
Acquiring
Produk
ATM
Kredit Mikro dan Retail
Sekolah Binaan
Mentoring Direktur
•
•
•
•
•
•
•
Organization Structure
Acquiring
Product
ATM
Micro & Retail Credit
Development School
Director Mentoring
25 Februari
February 28
11 Maret
March 11
18 Maret
March 18
25 Maret
March 24
8 April
April 8
Annual Report 2014 | PT. BANK SINARMAS Tbk.
327
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Tanggal /
Dates
Nomor Risalah Rapat / Number of
Minutes of Meeting
Meeting Agenda
15 April
April 15
RR No.014/2014/DIR
•
•
•
•
•
•
•
Kartu Kredit
Sumber Daya Manusia
Acquiring
Produk
Sekolah Binaan
Wali Amanat
Rotasi dan Mutasi Jabatan
•
•
•
•
•
•
•
Credit Card
Human Resource
Acquiring
Product
Development School
Trustee
Position Rotation and Mutation
22 April
April 22
RR No.015/2014/DIR
•
•
•
•
•
•
Kartu Kredit
Kerjasama Dengan Universitas
Kerjasama Dengan Pihak Ketiga
Retail Banking
Mutasi Jabatan
Bank Officer Program
•
•
•
•
•
•
Credit Card
Cooperation with Universities
Cooperation with Third Parties
Retail Banking
Position Mutation
Bank Office Program
29 April
April 29
RR No.016/2014/DIR
•
•
Produk
Pemenuhan Kekosongan Pejabat
Eksekutif
•
•
Product
Fulfillment of Executive Office
Position
RR No.018/2014/DIR
•
•
•
•
•
•
•
Simobi
Cash Deposit Machine
Rekrutmen
Rotasi Karyawan
Cost of Account
Produk
Laporan Keuangan April 2014
•
•
•
•
•
•
•
Simobi
Cash Deposit Machine
Recruitment
Employee Rotation
Cost of Account
Product
Financial Statement April 2014
RR No.019/2014/DIR
•
•
•
•
•
•
Rotasi Dan Mutasi Pejabat
Produk E-Channel
Kredit
Program Mckinsey
Cash Deposit Machine
Acquiring
•
•
•
•
•
•
Official Rotation and Mutation
E-Channel Products
Credit
Mckinsey Program
Cash Deposit Machine
Acquiring
RR No.021/2014/DIR
•
•
•
•
•
•
•
•
•
•
•
•
•
•
Rekrutmen
Cash Deposit Box
Acquiring
Akunting
Rencana Bisnis Bank
Kartu Kredit
Kerjasama
Kartu Kredit Corporate
Billing Statement
Produk
Likuiditas Bank
Virtual Branch
Rotasi Pegawai
Unit Usaha Syariah
•
•
•
•
•
•
•
•
•
•
•
•
•
•
Recruitment
Cash Deposit Box
Acquiring
Accounting
Bank’s Business Plan
Credit Card
Cooperation
Corporate Credit Card
Billing Statement
Product
Bank’s Liquidity
Virtual Branch
Employee Rotation
Sharia Business Unit
RR No.022/2014/DIR
•
•
•
•
•
•
•
•
•
•
•
Cash Deposit Box
Acquiring
Akunting
Kerjasama
Kartu Kredit Corporate
ATM
Digital Banking
Unit Usaha Syariah
Produk
Mobil Kas Keliling
Kredit
•
•
•
•
•
•
•
•
•
•
•
Cash Deposit Box
Acquiring
Accounting
Cooperation
Corporate Credit Card
ATM
Digital Banking
Sharia Business Unit
Product
Roving Cash Car
Credit
13 Mei
May 13
23 Mei
May 23
10 Juni
June 10
17 Juni
June 17
328
Agenda Rapat
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Kilas Kinerja 2014
Flashback Performance of 2014
Profil Perusahaan
Company Profile
Laporan Manajemen
Report of Management
Tanggal /
Dates
Nomor Risalah Rapat / Number of
Minutes of Meeting
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Agenda Rapat
Meeting Agenda
24 Juni
June 24
RR No.023/2014/DIR
•
•
Kredit Mikro
ATM
•
•
Micro Credit
ATM
1 Juli
July 1
RR No.024/2014/DIR
•
•
•
•
•
Kredit Mikro
Kerjasama
Digital Banking
ATM
Produk
•
•
•
•
•
Micro Credit
Cooperation
Digital Banking
ATM
Product
15 Juli
July 15
RR No.026/2014/DIR
•
•
•
•
•
•
•
•
•
Kerjasama
Digital Banking
ATM
Rekrutmen
Internet Banking
Produk
Penentuan Libur Lebaran
HUT Bank Sinarmas Ke 25
Pimpinan Cabang
•
•
•
•
•
•
•
•
•
Cooperation
Digital Banking
ATM
Recruitment
Internet Banking
Product
Determination of Eid Holiday
Bank Sinarmas 25th Anniversary
Branch Leader
RR No.027/2014/DIR
•
•
•
•
•
•
•
•
•
Service Nasabah
Kerjasama
Digital Banking
ATM
Produk
Sinkronisasi SE dan SOP
Pimpinan Cabang
E- Form Bank
Divisi Fraud Management
•
•
•
•
•
•
•
•
•
Customer Service
Cooperation
Digital Banking
ATM
Product
Synchronization of SE and SOP
Branch Leader
E-Form Bank
Fraud Management Division
RR No.029/2014/DIR
•
•
•
•
•
•
•
Service Nasabah
ATM
Internet Banking
Produk
Rekrutmen
Mobil Kas Keliling
Asuransi Karyawan
•
•
•
•
•
•
•
Customer Service
ATM
Internet Banking
Product
Recruitment
Roving Cash Car
Employee Insurance
RR No.030/2014/DIR
•
•
•
•
•
•
•
•
•
E-Form
Atm
Internet Banking
Produk
Pimpinan Cabang
Rekrutmen
Simobi Plus
Cross Selling
Kerjasama
•
•
•
•
•
•
•
•
•
E-Form
ATM
Internet Banking
Product
Branch Leader
Recruitment
Simobi Plus
Cross Selling
Cooperation
RR No.031/2014/DIR
•
•
•
•
•
•
•
•
•
Service Nasabah
E-Form
ATM
Produk
Rekrutmen
Simobi Plus
Kartu Kredit
Kerjasama
Kartu Union Pay
•
•
•
•
•
•
•
•
•
Customer Service
E-Form
ATM
Product
Recruitment
Simobi Plus
Credit Card
Cooperation
Union Pay Card
22 Juli
July 22
12 Agustus
August 12
19 Agustus
August 19
26 Agustus
August 26
Annual Report 2014 | PT. BANK SINARMAS Tbk.
329
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Tanggal /
Dates
Nomor Risalah Rapat / Number of
Minutes of Meeting
Agenda Rapat
Meeting Agenda
9 September
September 9
RR No.033/2014/DIR
•
•
•
•
•
•
•
•
•
•
Service Nasabah
E-Form
ATM
Produk
Pimpinan Cabang
Rekrutmen
Simobi Plus
List Black List
Performance KanWil
Tingkat Kesehatan Bank
•
•
•
•
•
•
•
•
•
Customer Service
E-Form
ATM
Product
Recruitment
Simobi Plus
Credit Card
Cooperation
Union Pay Card
16 September
September 16
RR No.034/2014/DIR
•
•
•
•
•
•
Produk
Customer Kartu Kredit
Acquiring
Portofolio Kredit
Insentif kepada Cabang
Proyeksi Laporan Keuangan per
September 2014
•
•
•
•
•
•
Product
Customer Credit Card
Acquiring
Credit Portfolio
Incentive to Branches
Financial Statement Projection
per September 2014
RR No.035/2014/DIR
•
•
•
•
•
BI Checking
ATM Switching
Training BIC
Insentif Cabang
Portofolio Kredit Bermasalah
•
•
•
•
•
BI Checking
ATM Switching
BIC Training
Branches Incentive
Non-Performing Loans Portfolio
RR No.036/2014/DIR
•
•
•
•
Travel Insurance
Rekening Online
E-Form
Penambahan Direksi
•
•
•
•
•
Kajian Wilayah Kanwil
•
Travel Insurance
Online Account
E-Form
Addition of the Board of
Directors
Area Review of Regional Office
RR No.038/2014/DIR
•
•
Penambahan Modal di Setor
Tindak Lanjut Rekomendasi OJK
•
•
•
SOP & Board Manual Pengangkatan
Direktur dan Komisaris
•
•
Kantor Cabang
•
Addition of Paid-In Capital
Follow-up on OJK
Recommendation
SOP & Board Manual of Board
of Directors and Board of
Commissioners Appointment
Branch Office
RR No.039/2014/DIR
•
•
•
•
•
•
•
E-Money
Kartu Debit Union Pay
Simobi Plus
Travel Check
Kartu Debit
ATM Non Tunai
Struktur Organisasi
•
•
•
•
•
•
•
E-Money
Union Pay Debit Card
Simobi Plus
Travel Check
Debit Card
Non-Cash ATM
Organization Structure
RR No.040/2014/DIR
•
•
•
•
•
•
•
Kartu Debit
Travel Check
ATM Switching
PIN Kartu Kredit
Produk
Simobi Plus
Rekomendasi Dewan Komisaris
•
•
•
•
•
•
•
•
•
Rencana Bisnis Bank 2015
Mentoring Syariah
•
•
Debit Card
Travel Check
ATM Switching
Credit Card PIN
Product
Simobi Plus
Recommendation of Board of
Commissioners
Bank’s Business Plan in 2015
Sharia Mentoring
23 September
September 23
30 September
September 30
14 Oktober
October 14
21 Oktober
October 21
28 Oktober
October 28
330
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Kilas Kinerja 2014
Flashback Performance of 2014
Profil Perusahaan
Company Profile
Laporan Manajemen
Report of Management
Tanggal /
Dates
Nomor Risalah Rapat / Number of
Minutes of Meeting
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Agenda Rapat
Meeting Agenda
11 November
November 11
RR No.042/2014/DIR
•
•
•
•
•
•
Travel Check
Unit Usaha Syariah
Produk
Corporate Internet Banking
Kerjasama Pihak Ketiga
Struktur Organisasi Kantor Cabang
•
•
•
•
•
•
Travel Check
Sharia Business Unit
Products
Corporate Internet Banking
Third Party Cooperation
Organization Structure of Branch
Offices
18 November
November 18
RR No.043/2014/DIR
•
•
•
•
•
•
•
•
E-Money
Simobi Plus
Peningkatan Service Level
Kartu Kredit
Kredit Mikro
Rencana Bisnis Bank
Kantor Kas
Pembukaan Kantor Fungsional
•
•
•
•
•
•
•
•
E-Money
Simobi Plus
Improvement of Service Level
Credit Card
Micro Credit
Bank’s Business Plan
Cash Office
Opening of Functional Office
RR No.044/2014/DIR
•
•
•
•
•
•
•
•
•
•
•
Kantor Cabang Pembantu
Unit Usaha Syariah
Man Power Planing
Kerjasama Pihak Ketiga
Travel Check
Kredit
Program Laku Pandai OJK
DPK dan NPL Kredit Bank
Promosi
Struktur Organisasi Cabang Thamrin
Perubahan Corporate Secretary
•
•
•
•
•
•
•
Sub-Branch Office
Sharia Business Unit
Man Power Planning
Third Party Cooperation
Travel Check
Credit
OJK Intelligent Behaviour
Program
DPK and NPL Bank Credit
Promotion
Organization Structure of
Thamrin Branch
Changes of Corporate Secretary
25 November
November 25
•
•
•
•
RR No.046/2014/DIR
9 Desember
December 9
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
Credit Card PIN
ATM Switching
Supply Chain Financing
Key Account Manager
KTA siMikro
Non-Performing Loans
Settlement Committee
E-Money
Organization Structure of Micro
Small Business
RR No.047/2014/DIR
•
•
•
•
•
Kredit
Struktur Retail Banking
Struktur Liabilities Product
Kerjasama Pihak Ketiga
Kartu Kredit
•
•
•
•
•
Credit
Retail Banking Structure
Liabilities Product Structure
Third Party Cooperation
Credit Card
RR No.048/2014/DIR
•
•
•
•
•
Kredit Mikro
Digital Banking
E-Statement
Kartu Kredit dan Kartu ATM
Supply Chain Financing dan Cash
Management
Unit Usaha Syariah
Laporan Overdue Konvensional dan
Syariah
•
•
•
•
•
Micro Credit
Digital Banking
E-Statement
Credit Card & ATM Card
Supply Chain Financing & Cash
Management
Sharia Business Unit
Ovedue Conventional and Sharia
Report
16 Desember
December 16
23 Desember
December 23
PIN Kartu Kredit
ATM Switching
Supply Chain Financing
Key Account Manager
KTA siMikro
Komite Penyelesaian Kredit
Bermasalah
E-Money
Struktur Organisasi Micro Small
Business
•
•
•
•
Annual Report 2014 | PT. BANK SINARMAS Tbk.
331
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Tanggal /
Dates
Nomor Risalah Rapat / Number of
Minutes of Meeting
30 Desember
December 30
RR No.049/2014/DIR
Agenda Rapat
•
•
•
•
•
Meeting Agenda
Kredit Mikro
E-Statement
Supply Chain Financing dan Cash
Management
PIN Kartu Kredit
Sosialisasi Perubahan Customer Care
Program Pelatihan
Pada 2014, Direksi telah mengikuti berbagai seminar/training/
workshop guna meningkatkan kompetensinya, antara lain:
•
•
•
•
•
Micro Credit
E-Statement
Supply Chain Financing and Cash
Management
Credit Card PIN
Socialization of Changes of
Contact Center
Training Program
In 2014, the Board of Directors has participated in various
seminar/training/workshop in order to improve its competencies,
among others:
Seminar/ Seminar
Penyelenggara /
Organizer
Waktu/ Time
Tempat/ Place
Freenyan Liwang
Refresmen Kompetensi Manajemen Risiko Perbankan Level 5 /
Refreshment Banking Risk Management Competence Level 5
LSPP
Performance Review Training
McKinsey
12 April 2014 / April 12, 2014
14 Oktober 2014 / October 14, 2014
Jakarta, Indonesia
Jakarta, Indonesia
Heru Agus Wuryanto
Refresmen Kompetensi Manajemen Risiko Perbankan Level 5 /
Refreshment Banking Risk Management Competence Level 5
LSPP
Performance Review Training
McKinsey
12 April 2014 / April 12, 2014
Jakarta, Indonesia
14 Oktober 2014 / October 14, 2014
Jakarta, Indonesia
14 Oktober 2014 / October 14, 2014
Jakarta, Indonesia
14 Oktober 2014 / October 14, 2014
Jakarta, Indonesia
Loa Johnny Mailoa
Performance Review Training
McKinsey
Halim
Performance Review Training
McKinsey
Salis Teguh Hartono
18 November 2014 /
November 18, 2014
Seminar Risk and Governance Summit 2014
Jakarta, Indonesia
Hanafi Himawan
Performance Review Training
McKinsey
14 Oktober 2014 / October 14, 2014
Jakarta, Indonesia
Manajemen Aset dan Liabilitas / Assets and Liabilities Management
Relius
18-19 Oktober 2014 /
October 18-19, 2014
Jakarta, Indonesia
Indonesia National Productivity Conference 2014
ISO User Club
5-6 November 2014 /
November 5-6, 2014
Jakarta, Indonesia
ERMA
4-5 Desember 2014 /
December 4-5, 2014
Bali, Indonesia
ERMA Bali International Seminar on ERM 2014
HUBUNGAN KERJA
DEWAN KOMISARIS DAN
DIREKSI
Dewan Komisaris dan Direksi berkomitmen untuk bersama- sama
menegakan sistem perbankan yang sehat dan kuat untuk
menerapkan prinsip-prinsip GCG dalam pengelolaan
332
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
WORK RELATION OF THE
BOARD OF COMMISSIONERS
AND BOARD OF DIRECTORS
Board of Commissioners and Board of Directors are committed to
uphold a healthy and strong banking system together to
implement the principles of GCG in management of the
Kilas Kinerja 2014
Flashback Performance of 2014
Profil Perusahaan
Company Profile
Laporan Manajemen
Report of Management
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
perusahaan. Keselarasan tugas dan tanggung jawab dari Dewan
Komisaris dan Direksi dalam menjalankan aktivitas operasional
harian, akan berpengaruh secara signifikan terhadap kemajuan dan
kesehatan Perseroan.
Company. Harmony of Duties and responsibilities from the Board
of Commissioners and Board of Directors in running its daily
operational activity, will affect the progress and health of the
Berdasarkan Anggaran Dasar Perusahaan, ada beberapa keputusan
Direksi yang harus mendapat persetujuan dari Dewan Komisaris,
yaitu:
•
Melepaskan hak atau mengagunkan barang tidak bergerak,
Based on the Company’s Articles of Association, there are several
Board of Directors’ decision which has to be approved by the
Board of Commissioners, namely:
•
In any way releasing rights or collateralizing real estate,
Company significantly.
termasuk hak atas tanah atau perusahaan-perusahaan dengan
cara apapun untuk jumlah kurang dari ½ (satu per dua) dari
modal yang tercatat dalam neraca dan perhitungan laba rugi
including rights on land and companies valued less than
1/2 (one half) of capital listed in balance sheet and income
statement approved by Annual GMS;
•
yang telah disetujui dan/atau disahkan oleh RUPS Tahunan.
Memperoleh dengan cara apapun barang tidak bergerak,
•
•
termasuk hak atas tanah atau perusahaan perusahaan.
Menerima pinjaman uang dari siapapun, apabila jumlah
pinjaman tersebut melebihi jumlah yang ditetapkan oleh rapat
Dewan Komisaris.
•
In any way obtaining real estate including rights on land or
companies;
Receiving loans from any party amounting more than set
forth by the meeting of the Board of Commissioners;
• Memberi pinjaman uang kepada pihak terkait.
•
•
Menghapus buku terhadap pokok pinjaman kepada pihak
terkait maupun tidak terkait sesuai dengan ketentuan yang
berlaku di Bank.
Menggadaikan atau mengagunkan harta kekayaan bank untuk
• Giving loans to related parties;
jumlah lebih dari ½ (satu per dua) dari modal yang tercatat
dalam neraca dan perhitungan laba rugi yang telah disetujui
•
• To write off basic loan to related or unrelated parties according
to the prevailing regulation in the bank;
dan/atau disahkan oleh RUPS Tahunan.
To pawn or collateralize the bank’s assets amounting more than
1/2 (one half) of the listed capital at the balance sheet and
income statement approved by the Annual GMS
Bank Sinarmas selalu mengedepankan independensi dari anggota
Bank Sinarmas always prioritize the independency of member of
Dewan
the Board of Commissioners and Board of Directors so that there
Komisaris
benturan
dan
kepentingan
Direksi
dalam
sehingga
tidak terdapat
pelaksanaan
tugas
dan
will be no conflict of interest in the implementation of their duties
tangungjawabnya secara mandiri dan kritis. Dalam Perseroan tidak
and responsibilities in independent and critical way. Within the
terdapat Dewan Komisaris dan anggota Direksi yang merangkap
Company, there is Board of Commissioners and member of the
jabatan sebagai Komisaris, Direksi maupun Pejabat Eksekutif pada
Board of Directors who concurrent position as Commissioner.
Bank/lembaga lain, serta tidak pula memiliki hubungan hubungan
Director pr Executive Officer in other Bank/ Institution, as well as
keuangan dan keluarga dengan sesama anggota Direksi dan/atau
no financial and family relationship among fellow member of the
anggota Dewan Komisaris hingga derajat kedua.
Board of Directors and/or member of the Board of Commissioners
up to the second degree.
Hubungan keluarga dengan /
Family
Relationship with
Hubungan keuangan dengan / Financial ith
Nama / Name
Komisaris
/ Board of
Commissioners
Ya /
Yes
Tidak /
no
Direksi / Board of
Directors
Ya /
Yes
Tidak /
no
Pemegang Saham
Pengendali /
Controlling
Shareholders
Ya /
Yes
Tidak /
no
Komisaris
/ Board of
Commissioners
Ya /
Yes
Direksi / Board of
Directors
Pemegang Saham
Pengendali /
Controlling
Shareholders
Tidak /
no
Ya /
Yes
Tidak /
no
Ya /
Yes
Tidak
/ no
Dewan Komisaris / Board of Commissioners
TjendrawatiWidjadja
-
X
-
X
-
X
-
X
-
X
-
X
Sammy Kristamuljana
-
X
-
X
-
X
-
X
-
X
-
X
Annual Report 2014 | PT. BANK SINARMAS Tbk.
333
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Hubungan keluarga dengan /
Family
Relationship with
Hubungan keuangan dengan / Financial ith
Nama / Name
Komisaris
/ Board of
Commissioners
Direksi / Board of
Directors
Pemegang Saham
Pengendali /
Controlling
Shareholders
Komisaris
/ Board of
Commissioners
Pemegang Saham
Pengendali /
Controlling
Shareholders
Direksi / Board of
Directors
Ya /
Yes
Tidak /
no
Ya /
Yes
Tidak /
no
Ya /
Yes
Tidak /
no
Ya /
Yes
Tidak /
no
Ya /
Yes
Tidak /
no
Ya /
Yes
Tidak
/ no
WimpieRianto*
-
X
-
X
-
X
-
X
-
X
-
X
Rusmin**
-
X
-
X
-
X
-
X
-
X
-
X
Direksi / Board of Directors
Freenyan Liwang
-
X
-
X
-
X
-
X
-
X
-
X
Heru Agus Wuryanto
-
X
-
X
-
X
-
X
-
X
-
X
Loa Johnny Mailoa
-
X
-
X
-
X
-
X
-
X
-
X
Halim
-
X
-
X
-
X
-
X
-
X
-
X
Salis Teguh Hartono
-
X
-
X
-
X
-
X
-
X
-
X
Hanafi Himawan
-
X
-
X
-
X
-
X
-
X
-
X
Soejanto Soetjijo***
-
X
-
X
-
X
-
X
-
X
-
X
Frenky T. Susilo***
-
X
-
X
-
X
-
X
-
X
-
X
Keterangan :
* Tidak menjabat sebagai Dewan Komisaris sejak 13 Juni 2014
**Efektif menjabat sebagai Dewan Komisaris sejak sejak 19 Juni 2014
***) Efektif menjabat sebagai Direktur sejak 24 Maret 2015
Frekuensi, Tingkat Kehadiran, dan Absensi Rapat
Gabungan Dewan Komisaris Dengan Direksi
Selama 2014, Dewan Komisaris dan Direksi telah
menyelenggarakan rapat gabungan sebanyak 13 kali yang dipimpin
oleh Direktur Utama. Seluruh hasil rapat gabungan diputuskan
berdasarkan musyawarah mufakat dan dituangkan secara tertulis ke
dalam risalah rapat serta didokumentasikan dengan baik.
Dengan demikian, Bank Sinarmas telah memenuhi ketentuan Bank
Indonesia tentang pelaksanaan GCG dan ketentuan internal
Perseroan yaitu Board Manual serta Pedoman Tata Tertib Kerja
Direksi dan Pedoman Tata Tertib Kerja Dewan Komisaris.
Frekuensi dan Tingkat Kehadiran Rapat Gabungan Dewan
Komisaris Dengan Direksi
Nama / Name
Information:
*) Did not serve as Board of Commissioners since June 13, 2014
**) Did not serve as Board of Commissioners since June 19, 2014
***) Effective to serve as Director since March 24, 2014
Frequency, Attendance Rate, and Attendance of Board of Commissioners
and Board of Directors Joint Meeting Throughout 2014, Board of
Commissioners and Board of Directors have organized 13 joint
meetings which were led by President Director. The entire results
of joint meetings are made based on consensus and stated in
written form in minutes of meetings and is well-documented.
Therefore, Bank Sinarmas has met the provision of Bank Indonesia
on the implementation of GCG and Company’s internal provision
which is Board Manual as well as Guidelines of the Board of
Directors’ Regulation and Guidelines of the Board of
Commissioners’ Regulation.
FrequencyandAttendanceRateofBoardofCommissioners and Board of
Directors Joint Meeting
Jabatan/ Position
Tjendrawati Widjaja
Komisaris Utama / President Commissioner
Sammy Kristamuljana
Komisaris Independen / Independent Commissioner
334
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Jumlah Kehadiran
/ Total Attendance
Presentase Kehadiran
/ Attendance
Percentage
12/12/1313
92.3%
12/13
92.3%
Kilas Kinerja 2014
Flashback Performance of 2014
Profil Perusahaan
Company Profile
Laporan Manajemen
Report of Management
Nama / Name
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Presentase Kehadiran
/ Attendance
Percentage
Jumlah Kehadiran
/ Total Attendance
Jabatan/ Position
Wimpie Rianto*
Komisaris Independen / Independent Commissioner
6/13
46.1%
Rusmin**
Freenyan Liwang
Komisaris Independen / Independent Commissioner
6/13
46.1%
Direktur Utama / President Director
12/13
92.3%
Heru Agus Wuryanto
Direktur / Director
12/13
92.3%
Halim
Direktur / Director
11/13
84.6%
Loa Johnny Mailoa
Direktur / Director
12/13
92.3%
Salis Teguh Hartono
Direktur Independen / Independent Director
10/13
76.92%
Hanafi Himawan
Direktur Independen / Independent Director
13/13
100%
SoejantoSoetjijo***
Direktur Independen / Independent Director
10/13
76.92%
Frenky Tirtowijoyo Susilo ***
Direktur Independen / Independent Director
13/13
100%
Information:
*) Did not serve as the Board of Commissioners since June 13, 2014
**) Effective serve as the Board of Commissioners since June 19, 2014
***) Effective serve as Director since March 24, 2015
Keterangan:
* Tidak menjabat sebagai Dewan Komisaris sejak 13 Juni 2014
** Efektif menjabat sebagai Dewan Komisaris sejak sejak 19 Juni 2014
***) Efektif menjabat sebagai Direktur sejak 24 Maret 2015
Inisial
No
TW
SK
WR*
RU**
FL
HA
HL
JM
SL
HH
SS
***
FT
***
√
√
√
√
√
√
√
√
√
√
√
√
√
√
√
3
11 Februari
√
√
√
√
√
√
√
x
√
4
4 Maret
√
√
√
√
√
√
√
√
√
5
1 April
√
√
√
√
√
x
√
√
√
6
6 Mei
√
x
x
√
√
√
√
√
√
7
3 Juni
√
√
√
√
√
√
√
x
√
√
√
√
√
√
√
√
√
x
√
x
√
√
√
√
√
x
√
√
√
√
x
√
√
√
√
√
√
√
√
√
√
x
√
8 Juli
x
√
5 Agustus
√
√
10
2 September
√
√
11
7 Oktober
√
√
12
4 November
√
√
13
2 Desember
√
√
12
12
T OTA L
Keterangan:
•
TW (Tjendrawati Widjaja)
•
SK (Sammy Kristamuljana)
•
WR (Wimpie Rianto)
•
RU (Rusmin)
•
FL (Freenyan Liwang)
•
HA (Heru Agus Wuryanto)
•
SL (Salis Teguh Hartono)
•
JM (Loa Johnny Mailoa)
•
HL (Halim)
•
HH (Hanafi Himawan)
•
SS (SoejantoSoetjijo)
•
FT (Frenky Tirtowijoyo Susilo)
* Tidak menjabat sebagai Dewan Komisaris sejak 13 Juni 2014
** Efektif menjabat sebagai Dewan Komisaris sejak sejak 19 Juni 2014
*** Efektif menjabat sebagai Direktur sejak 24 Maret 2015
Sudah tidak bergabung
Resign
8
9
√
√
√
√
√
√
√
√
6
6
12
12
11
12
10
13
Belum bergabung
Not joined
√
√
Belum bergabung
Not joined
√
4 Februari
Belum bergabung
Not joined
7 Januari
2
Belum bergabung
Not joined
1
Belum bergabung
Not joined
Tanggal
-
-
Description:
•
TW (Tjendrawati Widjaja)
•
SK (Sammy Kristamuljana)
•
WR (Wimpie Rianto)
•
RU (Rusmin)
•
FL (Freenyan Liwang)
•
HA (Heru Agus Wuryanto)
•
SL (Salis Teguh Hartono)
•
JM (Loa Johnny Mailoa)
•
HL (Halim)
•
HH (Hanafi Himawan)
•
SS (SoejantoSoetjijo)
•
FT (Frenky Tirtowijoyo Susilo)
*) No longer serve as Board of Commissioners since June 13, 2014
**) Effective serve as Board of Commissioners since June 19, 2014
***) Effective serve as Board of Directors since March 24, 2015
Annual Report 2014 | PT. BANK SINARMAS Tbk.
335
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Agenda Rapat Gabungan Dewan Komisaris dan Direksi
Agenda of Board of Commissioners and Board of Directors
Joint Meeting
Tanggal /
Dates
Nomor Risalah Rapat / Number of
Minutes of Meeting
Agenda Rapat
Meeting Agenda
7 Januari 2014
January 7, 2014
RR No.001/2014/DIRKOM
•
•
•
•
•
•
•
Fee Based Income
Kredit
Rencana Bisnis Bank
Pic Unit Kerja Liabilities
GCG
Relokasi Kantor Kas
Kartu Kredit
•
•
•
•
•
•
•
Fee Based Income
Loan
Bank’s Business Plan
Liabilities Working Unit Pic
GCG
Cash Office Relocation
Credit Card
4 Februari 2014
February 4, 2014
RR N.004/2014/DIRKOM
•
•
•
•
•
Pemenuhan Kepala Wilayah
Kartu Kredit
Relokasi Kantor Kas
Rapat Kerja Per Kantor Wilayah
Pembukaan Kantor Cabang Syariah
Palembang
•
•
•
•
•
Fulfillment of Regional Head
Credit Card
Cash Office Relocation
Work Meeting per Regional Office
Opening of Palembang Branch
Office
11 Februari 2014
February 11, 2014
RR No.005/2014/DIRKOM
•
•
•
Pengajuan Kartu Kredit Syariah
Kartu Kredit
Payment Point Online Bank Type 2
•
•
•
•
•
•
•
E-Money
Kredit
Valas Unit Syariah
Pengembangan Program Mckinsey
•
•
•
•
•
•
•
•
Pemenuhan Kepala Wilayah
Internet Banking
Mentoring System
Produk
•
•
•
•
Sharia Credit Card Application
Credit Card
Payment Point Online Bank Type
2
E-Money
Credit
Sharia Unit Currency
Development of Mckinsey
Program
Fulfillment of Regional Head
Internet Banking
Mentoring System
Product
RR No.008/2014/DIRKOM
•
•
•
•
Internet Banking
ATM
Kartu Kredit
Struktur Organisasi
•
•
•
•
Internet Banking
ATM
Credit Card
Organization Structure
RR No.012/2014/DIRKOM
•
•
•
•
•
•
•
•
Acquiring
Produk
Tingkat Kesehatan Bank
Wali Amanat
Laporan Keuangan Bank
Training
Struktur Organisasi
Kredit Mikro
•
•
•
•
•
•
•
•
Acquiring
Product
Bank’s Health Level
Trustee
Bank’s Financial Statement
Training
Organization Structure
Micro Credit
RR No.017/2014/DIRKOM
•
•
Kredit Mikro
Pengelolaan Likuiditas Bank
•
•
•
•
Non Performing Loan
Pembukaan Kantor Fungsional
•
•
Micro Credit
Management of the Bank’s
Liquidity
Non-Performing Loan
Opening of Functional Office
RR No.020/2014/DIRKOM
•
•
•
•
•
•
Cash Deposit Box
Acquiring
Akunting
Rencana Bisnis Bank
Kartu Kredit
Mentoring Direktur
•
•
•
•
•
•
Cash Deposit Box
Acquiring
Accounting
Bank’s Business Plan
Credit Card
Director’s Mentoring
RR No.025/2014/DIRKOM
•
•
•
•
•
Kredit Mikro
Internet Banking
Produk
Kartu Kredit
Produk
•
•
•
•
•
Micro Credit
Internet Banking
Product
Credit Card
Product
RR No.028/2014/DIRKOM
•
•
•
•
Service Nasabah
Produk
Rekrutmen
Edukasi Perbankan
•
•
•
•
Customer Service
Product
Recruitment
Banking Education
4 Maret 2014
March 4, 2014
1 April 2014
April 1, 2014
6 Mei 2014
May 6, 2014
3 Juni 2014
June 3, 2014
8 Juli 2014
July 8, 2014
5 Agustus 2014
August 5, 2014
336
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Kilas Kinerja 2014
Flashback Performance of 2014
Profil Perusahaan
Company Profile
Laporan Manajemen
Report of Management
Tanggal /
Dates
2 September 2014
September 2, 2014
Nomor Risalah Rapat / Number of
Minutes of Meeting
RR No.032/2014/DIRKOM
Agenda Rapat
•
•
•
•
•
•
•
•
•
•
•
7 Oktober 2014
October 7, 2014
4 November 2014
November 4, 2014
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Meeting Agenda
Customer Service
E-Form
ATM Switching
Promotion
Recruitment of Group Head & Advisor
IT Architecture
Simobi Plus
Third Party Cooperation
Credit Card PIN
Union Pay Card
Marketing Strategy
Mentoring Distribution
•
•
•
•
•
•
•
•
•
•
•
Customer Service
E-Form
ATM Switching
Promotion
Recruitment of Group Head &
Advisor IT Architecture
Simobi Plus
Third Party Cooperation
Credit Card PIN
Union Pay Card
Marketing Strategy
Mentoring Distribution
RR No.037/2014/DIRKOM
•
•
•
•
ATM Card
Product
Third Party Cooperation
Financial Statement- End of
September 2014
•
•
•
•
ATM Card
Product
Third Party Cooperation
Financial Statement- End of
September 2014
RR No.041/2014/DIRKOM
•
•
•
•
•
•
•
•
•
•
Credit
Credit Limit Utilization Efficiency
Working Unit Handling of Nonperforming Loans Committee
Fund Transfer Pricing
IT and Operational Work Plan
SMME Work Plan
Third Party Cooperation
•
•
•
•
Credit
Credit Limit Utilization Efficiency
Working Unit Handling of Nonperforming Loans Committee
Fund Transfer Pricing
IT and Operational Work Plan
SMME Work Plan
Third Party Cooperation
•
•
•
•
Fund Transfer Pricing
Credit
Credit Card
Branch Office Simas Community
•
•
•
•
Fund Transfer Pricing
Credit
Credit Card
Branch Office Simas Community
RR No.045/2014/DIRKOM
2 Desember 2014
December 2, 2014
KEBIJAKAN DAN PROSEDUR
PENETAPAN REMUNERASI
DIREKSI
POLICIES AND PROCEDURES
OF THE BOARD OF DIRECTORS
REMUNERATION
DETERMINATION
Kebijakan Remunerasi Dewan Komisaris dan Direksi
Board of Commissioners and Board of Directors
Remuneration Policy
No. 44 tertanggal 13 Juni 2014 tentang Berita Acara RUPS
Tahunan Bank Sinarmas, penetapan remunerasi anggota Direksi
dan anggota Dewan Komisaris diserahkan kembali ke Dewan
Komisaris dengan memperhatikan usulan/masukan Komite
Remunerasi dan Nominasi.
Based on the decision of GMS as stated in the Deed No. 44 dated
June 13, 2014 regarding Notes of the Annual General Meeting of
Shareholders of Bank Sinarmas, the remuneration determination
for member of the Board of Directors and member of the Board
of Commissioners is submitted back to the Board of
Commissioners by taking into account the suggestions/inputs from
the Remuneration and Nomination Committee.
Prosedur Penetapan Remunerasi Dewan Komisaris dan Direksi Bank
Sinarmas mempertimbangkan kinerja Perseroan, business size, dan
hasil remunerasi peer bank. Secara garis besar penerapan remunerasi
dilakukan melalui tahapan berikut:
Procedure for the Remuneration Determination of the Board of
Commissioners and Board of Director of Bank Sinarmas consider
the Company’s performance, business size, and peer bank
remuneration result. The implementation of remuneration is carried
out through the following stages:
Berdasarkan keputusan RUPS sebagaimana dituangkan dalam Akta
Annual Report 2014 | PT. BANK SINARMAS Tbk.
337
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Komite Remunerasi dan Nominasi
/ Remuneration and Nomination
Committee
RUPS
AGMS
Dewan Komisaris
Board of Commissioners
Package/Policies of Remuneration and Other Facilities For the Board of
Commissioners and Board of Directors
Paket/Kebijakan Remunerasi dan Fasilitas Lain Bagi
Dewan Komisaris dan Direksi
Jumlah yang di terima dalam 1 Tahun / Total accepted within 1 Year
Dewan Komisaris / Board of
Commissioners
Jenis Remunerasi dan Fasilitas Lain / Type of
Remuneration and Other Facilities
Orang /
Person
Remunerasi (gaji, bonus, tunjangan rutin, tantiem, dan fasilitas lainnya)
Remuneration (salary, bonus, allowance, tantiem, and other facilities)
Jutaan Rupiah /
Million Rupiah
3
Direksi / Board of Directors
Orang /
Person
Jutaan Rupiah /
Million Rupiah
2.246
6
7.857
3
59
6
245
3
2.304
6
8.102
Fasilitas lain dalam bentuk natura (perumahan, transportasi, asuransi kesehatan dan sebagainya*): Other
facilities in form of natura (house, transportation, health insurance, and others*):
a.
Dapat dimiliki / Can be owned
b.
Tidak dapat dimiliki /Cannot be owned
Total
*) Dinilai dalam ekuivalen rupiah
*) assessed in equivalent Rupiah
Jumlah anggota Dewan Komisaris dan Direksi yang menerima
Total member of the Board of Commissioners and Board of
paket remunerasi dalam satu tahun yang dikelompokan dalam
Directors who received remuneration package within one year that
kisaran tingkat penghasilan adalah sebagai berikut:
is grouped in the range of income is as follows:
Jumlah Remunerasi per Orang dalam 1 tahun *) / Total
Remuneration per Person in 1 Year *)
Jumlah Komisaris / Total
Commissioners
Jumlah Direksi /
Total Directors
> Rp2.000.000.000
-
1
> Rp1.000.000.000 s.d. Rp2.000.000.000
1
2
> Rp500.000.000 s.d. Rp1.000.000.000
1
3
< Rp500.000.000
1
-
*) yang diterima secara tunai
*) received in cash
Rasio Gaji Tertinggi dan Terendah
Highest and Lowest Salary Ratio
Keterangan / Description
Rasio / Ratio
Rasio gaji pegawai yang tertinggi dan terendah
Ratio of highest and lowest employee’s salary
1 :44.55
Rasio gaji Direksi yang tertinggi dan terendah
Ratio of highest and lowest Director’s salary
1 : 3.67
Rasio gaji Komisaris yang tertinggi dan terendah
Ratio of highest and lowest Commissioner’s salary
1 :2.38
Rasio gaji Direksi tertinggi dan pegawai tertinggi
Ratio of Highest Director’s salary and highest employee’s salary
1 : 5.18
338
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
ASSESSMENT DEWAN
KOMISARIS DAN DIREKSI
ASSESSMENT OF THE BOARD
OF COMMISSIONERS AND
BOARD OF DIRECTORS
Prosedur Pelaksanaan Assessment Dewan Komisaris
Implementation Procedure of the Board of Commissioners
Assessment
Penilaian kinerja Dewan Komisaris dilakukan secara
self assessment oleh masing-masing anggota dengan
memperhatikan tindakan yang dilakukan berdasarkan pengawasan
yang dilakukan dan efektifitasnya dan kontribusi komite-komite
dibawah Dewan Komisaris. Selain itu, pemegang saham juga
melakukan penilaian terhadap kinerja Dewan Komisaris saat
disampaikannya laporan pelaksanaan tugas dan tanggung jawab
Dewan Komisaris dalam RUPS.
Assessment on the Board of Commissioners’ performance is
conducted through self-assessment by each member by paying
attention to performed actions based on the supervision and its
effectiveness as well as contribution of committees under the Board
of Commissioners. In addition, shareholders also conducted
assessment on the Board of Commissioners’ performance during
the submission of Board of Commissioners’ duties and
responsibilities implementation report in the GMS.
Prosedur Pelaksanaan Assessment Direksi
Penilaian kinerja Direksi secara keseluruhan dilakukan oleh Dewan
Komisaris. Sedangkan penilaian masing-masing anggota Direksi
dilakukan oleh Direktur Utama.
Implementation Procedure of the Board of Directors Assessment on the
Perspektif Kepuasan Karyawan
Customer Satisfaction Perspective
financial perspective
Perspektif financial
Perpektif konsumen
Perspektif internal bisnis
Perpective Inovasi dan Pembelajaran
Perspektif Lingkungan dan Masyarakat
Keenam perspektif tersebut, diturunkan menjadi aspekaspek penilaian yang telah mendapat masukan dari Dewan
Komisaris dan disepakati oleh seluruh anggota Direksi (dengan
memperhatikan pembagian tugas dan tanggung jawabnya). Hal ini
bertujuan sebagai reminder atau pengingat bagi Direksi agar
corporate plan dan rencana bisnis Bank yang telah ditetapkan dapat
terealisasi dengan baik.
Board of Directors performance is conducted by the Board of
Commissioners. While assessment on each member of the Board
of Directors is carried out by the President Director.
customer perspective
internal business perspective
Innovation and Learning Perspective
Environment and Society Perspective
These six perspectives, is lowered to be assessment aspects that
has obtained input from the Board of Commissioners and agreed by
the entire member of the Board of Directors (by taking into account
the diversion of duties and responsibilities). This is intended to be a
reminder for the Board of Directors so that corporate plan and
Bank’s business plan which has been set can be realized
Annual Report 2014 | PT. BANK SINARMAS Tbk.
339
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
KOMITE-KOMITE DI
BAWAH DEWAN
KOMISARIS
COMMITTEES UNDER THE
BOARD OF COMMISSIONERS
KOMITE-KOMITE DI BAWAH
DEWAN KOMISARIS
KOMITE
AUDIT /
GCG
Committee
KOMITE
GCG /
Audit
Committee
KOMITE
REMUNERASI &
NOMINASI / RISK
MONITORING
COMMITTEE
KOMITE
PEMANTAU
RISIKO / RISK
MONITORING
COMMITTEE
KOMITE AUDIT
AUDIT COMMITTEE
Pemberhentian anggota Komite Audit dapat dilakukan apabila
Dismissal of member of the Audit Committee can be done if the
yang bersangkutan berakhir masa jabatan keanggotaannya dan
berdasarkan keputusan Dewan Komisaris, diberhentikan karena
tidak memenuhi kinerja yang telah ditetapkan dan/atau tidak
kompeten dalam menjalankan tugasnya.
tenure of the person concerned ended and based on the decision of
the Board of Commissioners, dismissed because not being able to
meet the performance that has been set and/or is not competent in
performing its duties.
Dasar Hukum Pembentukan Komite Audit
Komite Audit Perseroan dibentuk
Legal Basis of Audit Committee Establishment
The Company’s Audit Committee is established based on the
berdasarkan
peraturan
peraturan/perundangan sebagai berikut:
1. Undang Undang Republik Indonesia No. 40 tahun 2007 tentang
Perseroan Terbatas.
2. Keputusan Direksi PT Bursa Efek Indonesia No. Kep-305/
BEJ/07-2004 tanggal 19 Juli 2004 tentang Peraturan No.I-A
tentang Pencatatan Saham dan Efek Bersifat Ekuitas Selain
Saham Yang Diterbitkan Oleh Perusahaan Tercatat.
3. Keputusan Ketua Bapepam-LK No. Kep-29/PM/2004 tanggal
24 September 2004 Lampiran: Peraturan IX.I.5 tentang
Pembentukan dan Pedoman Pelaksanaan Komite Audit.
4. Peraturan Bank Indonesia No. 8/4/PBI/2006 tentang
Pelaksanaan Good Corporate Governance Bagi Bank Umum
yang telah diubah dengan Peraturan Bank Indonesia No.
8/14/PBI/2006 tentang Perubahan atas PBI No. 8/4/PBI/2006
Pelaksanaan Good Corporate Governance Bagi Bank
Umum.
Struktur dan Susunan Anggota Komite Audit
Berdasarkan
SK
No.015/2014/PRESDIR-Corsec&CorComm
tanggal 3 Juli 2014, susunan anggota Komite Audit adalah sebagai
berikut:
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PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
regulation/legislation as follows:
1. Law of Republic Indonesia No. 40 year 2007 regarding
Limited Companies
2. Decision of the Board of Directors from PT Bursa Efek Jakarta
No. Kep-305/BEJ/07-2004 dated July 19, 2004 regarding Rule
No. I-A on Shares Listing and Equity Securities Other Than
Shares That Is Issued by Listed Company.
3. Decision of the Chairman of Bapepam-LK No. Kep-29/
PM/2004 dated September 24, 2004 appendix: Regulation
IX.I.5 on the Establishment and Guidelines of Audit
Committee Implementation
4. Regulation of Bank Indonesia No. 8/4/PBI/2006 on the
Implementation of Good Corporate Governance for
Commercial Banks jo Regulation of Bank Indonesia No.
8/14/PBI/2006 on the amendment of PBI No. 8/4/PBI/2006 on
the Implementation of Good Corporate Governance for
Commercial Banks.
Structure and Composition of Audit Committee Member Based on
SK No.015/2014/PRESDIR-Corsec&Corcomm dated July 3,
2014, the composition of Audit Committee member is as follows:
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Nama / Name
Posisi / Position
Periode / Period
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Keahlian / Expertise
Rusmin
Ketua / Chairman
Juli 2014 - sekarang / July 2014
- now
Perbankan, ekonomi / Banking,
economy
Edwin Hidayat Abdullah
Anggota / Member
Juli 2014 - sekarang / July 2014
- now
Perbankan, ekonomi, manajemen /
Banking, economy, management
Agustinus Antonius
Anggota / Member
Juli 2014 - sekarang / July 2014
- now
Manajemen, perbankan /
Management, banking
Ketut Sanjaya
Anggota / Member
Juli 2014 - sekarang / July 2014
- now
Perbankan / Banking
Profil Komite Audit
Rusmin - Ketua
Profil Ketua Komite Audit sudah disajikan dalam profil Dewan
Komisaris.
Profile of Audit Committee
Rusmin - Chairman
Profile of the Chairman of Audit Committee is already served in the
profile of Board of Commissioners
Edwin Hidayat Abdullah - Anggota
Warga Negara Indonesia, 43 tahun. Bergabung dengan Bank
Sinarmas sejak 2007. Meraih gelar Sarjana Ekonomi dari
Universitas Gadjah Mada, gelar Master of Public Management dari
NUS, Lee Kuan Yew School of Public Policy pada 2004.
Mengawali karir di Pan Indonesia Bank pada 1996.
Edwin Hidayat Abdullah - Member
Indonesian Citizen, 43 years old. Joined Bank Sinarmas since
Agustinus Antonius - Anggota
Agustinus Antonius - Member
Indonesian Citizen, 46 years old, Joined Bank Sinarmas since
Warga Negara Indonesia, 46 tahun. Bergabung dengan Bank
Sinarmas sejak 2007. Meraih gelar Magister Manajemen
dari Universitas Gadjah Mada pada 1992. Mengawali karir
perbankan di Bank Sumitomo Niaga (sekarang Bank Sumitomo
Indonesia).
Ketut Sanjaya - Anggota
Warga Negara Indonesia, 63 tahun. Bergabung dengan Bank
Sinarmas sejak 2011. Meraih gelar Master dari Boston University
pada 1984. Mengawali karir di Bank Indonesia pada 1994.
2007. Received his Bachelor’s Degree of Economy from Gadjah
Mada University, Master’s Degree of Public management from
NUS, Lee KuanYew School of Public Policy in 20014. Started his
careed in Pan Indonesia Bank in 1996.
2007. Received his Master’s Degree of Management from Gadjah
Mada University in 1992. Started his banking career in Bank
Sumitomo Niaga (now Bank Sumitomo Indonesia).
Ketut Sanjaya - Member
Indonesian Citizen, 63 years old. Joined Bank Sinarmas since
2001. Received his Master’s Degree from Boston University in
1984. Started his career in Bank Indonesia in 1994.
Keanggotaan Komite Audit telah sesuai dengan yang disyaratkan oleh
Membership of Audit Committee is in accordance with
ketentuan Bank Indonesia tentang pelaksanaan GCG dan Piagam
Komite Audit.
what is required by the provision of Bank Indonesia on the
implementation of GCG and Audit Committee Charter.
Independensi Komite Audit
Mengacu kepada Ketentuan Bank Indonesia dan Piagam
Independency of Audit Committee
Refer to the Provision of Bank Indonesia and Audit Committee
Komite Audit dinyatakan bahwa:
Charter, it is stated that:
• Anggota Komite Audit paling sedikit terdiri dari 1 (satu) orang
Komisaris Independen sebagai ketua merangkap anggota serta
1 (satu) orang pihak independen yang memiliki keahlian di
bidang keuangan atau akuntansi serta
1 (orang) orang pihak independen yang memiliki keahlian di
•
Member of Audit Committee at least consists of 1 (one)
Independent Commissioner as the chairman and member as
well as 1 Independent party with expertise in the field of
finance or accounting and 1 independent party with expertise in
the field of law or banking.
bidang hukum atau perbankan.
Annual Report 2014 | PT. BANK SINARMAS Tbk.
341
•
•
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Komite Audit diketuai oleh Komisaris Independen. Dalam hal
Komisaris Independen yang menjadi anggota Komite Audit
• Audit Committee is chaired by Independent Commissioner.
In case Independent Commissioner who became member of
lebih dari 1 (orang) orang, maka salah satunya diangkat
sebagai Ketua Komite Audit.
Paling sedikit 51% dari jumlah anggota Komite Audit
Audit Committee is more than 1 person, then one of them is
appointed as the Chairman of Audit Committee
• At least 51% from total member of Audit Committee is
Independent Commissioner and independent parties.
adalah Komisaris Independen dan pihak independen.
Independensi Komite Audit telah memenuhi ketentuan Bank
Independency of the Audit Committee has met the provision of
Indonesia tentang pelaksanaan GCG antara lain:
Bank Indonesia on the implementation of GCG among others:
No
Nama / Name
Kriteria / Criteria
1
Rusmin
Tidak memiliki hubungan
keuangan dengan anggota
Dewan Komisaris,Direksi,
dan/atau Pemegang
2
Edwin Hidayat Abdullah
3
Agustinus Antonius
Saham Pengendali atau
hubungan dengan
Bank, yang dapat
mempengaruhi
kemampuannya untuk
bertindak Independen.
4
Ketut Sanjaya
Tidak memiliki
hubungan kepengurusan
dengan anggota Dewan
Komisaris, Direksi,
dan/atau Pemegang
Saham Pengendali atau
hubungan dengan
Bank, yang dapat
mempengaruhi
kemampuannya untuk
bertindak independen. No
financial relations with
No financial relations
with members of Board of members of Board of
Commissioners,
Commissioners,
Directors, and/ or
Directors, and/ or
Shareholders Controller,
Shareholders Controller,
or relations with
or relations with
Bank, in possibility that
Bank, in possibility that
his ability to act
his ability to act
independent y could be
independent y could be
compromised
compromised.
Tugas dan Tanggung Jawab
Berikut tugas dan tanggung jawab Komite Audit sebagaimana
tertuang dalam Piagam Komite Audit yang disetujui oleh Dewan
Komisaris pada 26 Juli 2012.
• Komite Audit dibentuk dengan maksud untuk membantu dan
memfasilitasi
•
Komisaris
dalam
menjalankan
terhadap pelaksanaan tugas Satuan Kerja Audit Internal
(SKAI), kesesuaian pelaksanaan audit oleh Kantor Akuntan
Publik dengan standar audit yang berlaku, kesesuaian
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PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
dan/atau Pemegang
Saham Pengendali atau
hubungan dengan Bank,
yang dapat
mempengaruhi
kemampuannya untuk
bertindak independen. No
financial relations with
members of Board of
Commissioners,
Directors, and/ or
Shareholders Controller,
or relations with
Bank, in possibility that
his ability to act
independent y could be
compromised
Tidak memiliki hubungan
keluarga dengan anggota
Dewan Komisaris,
Direksi, dan/atau
Pemegang
Saham Pengendali atau
hubungan dengan
Bank, yang dapat
mempengaruhi
kemampuannya untuk
bertindak independen.
No financial relations with
members of Board of
Commissioners, Directors,
and/ or Shareholders
Controller, or relations
with
Bank, in possibility that
his ability to act
independent y could be
compromised
Duties and Responsibilities
Here are the duties and responsibilities of Audit Committee as
stated in the Audit Committee Charter that is approved by the
Board of Commissioners on July 26, 2012
• Audit Committee was established with the intention to help
tugas dan
fungsi pengawasan terhadap hal-hal terkait dengan informasi
keuangan,
sistem
pengendalian
internal,
efektivitas pemeriksaan auditor internal dan eksternal,
efektivitas pelaksanaan manajemen risiko, serta kepatuhan
terhadap peraturan perundang-undangan yang berlaku.
Komite Audit melakukan pemantauan dan evaluasi
Tidak memiliki hubungan
kepemilikan saham
dengan anggota Dewan
Komisaris, Direksi,
and facilitate the Commissioners in implementing duties and
supervision function on matters related to financial
information, internal control system, effectiveness of internal
and external auditor examination, effectiveness of risk
management implementation, as well as compliance on
legislation in force.
•
Audit Committee conducted monitoring and evaluation on
the implementation of Internal Audit Work Unit (SKAI),
suitability of audit implementation by Public Accountant Firm
with applicable audit standard, suitability of financial
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
statement with the applicable audit standard, and the follow-up
implementation by the Board of Directors regarding the result
of findings by SKAI, Public Accountant, and supervision result
of Bank Indonesia to provide recommendation to the Board of
Commissioners.
laporan keuangan dengan standar audit yang berlaku, dan
pelaksanaan tindak lanjut oleh Direksi mengenai hasil temuan
SKAI, Akuntan Publik, dan hasil pengawasan Bank Indonesia
guna memberikan rekomendasi kepada Dewan Komisaris.
• Komite Audit memiliki tata tertib kerja yang bersifat mengikat.
Komite Audit juga wajib memberikan
rekomendasi mengenai penunjukkan Akuntan Publik dan
Kantor Akuntan Publik untuk disampaikan saat RUPS.
Profil Perusahaan
Company Profile
• Audit Committee has work code of conduct that binds.
Audit Committee is also obliged to provide recommendation
regarding appointment of Public Accountant and Public
Accountant Firm to be submitted in the GMS
Laporan Singkat Pelaksanaan Tugas Tahun Berjalan
Selama periode 2014, Komite Audit telah melakukan tindakantindakan antara lain:
1. Menerima laporan audit Mulyamin, Sensi, Suryanto, dan
Lianny atas Laporan Keuangan Bank Sinarmas tahun 2013.
Mengkaji dan memantau proses tindak lanjut atas laporanlaporan hasil audit internal.
3. Membahas dan merekomendasikan usulan pemilihan
Brief Report of the Implementation of Duties in the
Current Year
During 2014, Audit Committee has performed actions among
others:
1. Received audit report Mulyamin, Sensi, Suryanto, and
Lianny on the Financial Statement of Bank Sinarmas in 2013
2.
Kantor Akuntan Publik Mulyamin, Sensi, Suryanto & Lianny
kepada Dewan Komisaris untuk melakukan audit laporan
keuangan Bank untuk periode 2014.
4. Melakukan pertemuan dengan Kantor Akuntan Publik
Mulyamin, Sensi, Suryanto, dan Lianny untuk membahas
cakupan audit atas Laporan Keuangan Bank Sinarmas tahun
buku 2014.
2.
Review and monitor the follow-up process on the result of
internal audit reports.
3. Discuss and provide recommendation on the selection of Public
Accountant Firm Mulyamin, Sensi, Suryanto & Lianny to the
Board of Commissioners to carry out audit on Bank’s financial
statement for the 2014 period.
4. Organize meetings with the Public Accountant Firm Mulyamin,
Sensi, Suryanto, and Lianny to discuss scope of audit on the
Financial Statement of Bank Sinarmas in fiscal year 2014.
5. Menerima dan menindaklanjuti hasil temuan regulator.
5. Receive and follow-up the audit result of Financial Services
6. Menyampaikan hasil pemantauan dan rekomendasi Komite
Audit dalam bentuk Memorandum kepada Dewan Komisaris.
6. Submit the result of monitoring and recommendation of Audit
Committee in form of Memorandum to the Board of
Commissioners.
Authority (d/h) Bank Indonesia.
7. Menerima rangkuman rencana kerja SKAI tahun 2015.
7. Receive the summary of SKAI work plan for 2015
Frekuensi dan Tingkat Kehadiran Rapat Komite Audit
Komite Audit secara periodik melakukan rapat yang dipimpin oleh
ketua dengan tujuan untuk mengevaluasi pelaksanaan tugas SKAI
serta tindak lanjut Direksi terhadap hasil temuan pemeriksa, baik
internal maupun eksternal. Hal ini dilakukan untuk memberikan
rekomendasi kepada Dewan Komisaris. Keputusan rapat diambil
dengan jalan musyawarah mufakat. Akan tetapi, jika tidak terjadi
musyawarah mufakat, keputusan diambil dengan suara terbanyak.
Selama 2014, Komite Audit telah melakukan rapat sebanyak 4
(empat) kali dengan keterangan sebagai berikut:
Frequency and Attendance Rate of Audit Committee
Meeting
Audit Committee periodically organized meeting which is led by
the chairman with intention to evaluate the implementation of
SKAI duties as well as the Board of Directors’ follow-up action on
the result of findings, both internal and external. This is done in
order to provide recommendation to the Board of Commissioners.
Meeting decision is made through consensus. However, if there is
no consensus, the decision is made based by voting.
Annual Report 2014 | PT. BANK SINARMAS Tbk.
343
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Kehadiran Rapat
No.
Meeting Attendance
Nama / Name
1
Rusmin*
2
Frekuensi Kehadiran /
Attendance Frequency
Jabatan / Position
Persentase /
Percentage
Ketua / Chairman
2/4
50%
Edwin Hidayat Abdullah
Anggota / Member
3/4
75%
3
Agustinus Antonius
Anggota / Member
4/4
100%
4
Ketut Sanjaya
Anggota / Member
4/4
100%
Keterangan: *) Efektif menjabat sejak 19 Juni 2014
Information : *) Effective serve since June 19, 2014
Agenda Rapat Komite Audit
Agenda of Audit Committee Meeting
Tanggal / Date
Agenda Rapat / Meeting Agenda
• Tindak Lanjut temuan BI
• Follow-up on BI findings
7 Februari 2014
• Pemeriksaan SKAI
• SKAI Examination
February 7, 2014
• Review berkala SKAI
• SKAI Periodic Review
• Review Berkala Bank Sinarmas
• Bank Sinarmas Periodic Review
• Tindak
• Follow -up on the
lanjut
Rekomendasi
Dewan Komisaris
• Hasil pemeriksaan OJK
11 April 2014
April 11, 2014
• Hasil Pemeriksaan SKAI triwulan
4 - 2013
• Hasil Pemeriksaan SKAI triwulan
Recommendation of the Board of
Commissioners
• Result of OJK Examination
• Result of SKAI Examination
quarter 4 - 2013
• Result of SKAI Examination
1 - 2014
Quarter 1 - 2014
4 Juli 2014
Hasil Pemeriksaan SKAI triwulan 2 -
Result of SKAI Examination quarter
July 4, 2014
2014
2 - 2014
• Tindak lanjut meeting komite
• Follow-up on the meeting of
10 Oktober 2014
October 10, 2014
Audit Committee
audit
• Hasil Pemeriksaan SKAI triwulan
3 tahun - 2014
• Result
of
SKAI Examination
Quarter 3 - 2014
KOMITE PEMANTAU RISIKO
RISK MONITORING COMMITTEE
Komite Pemantau Risiko dibentuk mengacu kepada Peraturan
Risk Monitoring Committee is established by referring to the
Bank Indonesia Nomor 8/4/PBI/2006 tentang Pelaksanaan
Good Corporate Governance bagi Bank Umum pada 30
Januari 2006 yang diubah menjadi Peraturan Bank Indonesia No.
8/14/PBI/2006 pada 5 Oktober 2006. Komite Pemantau Risiko
dibentuk untuk mendukung pelaksanaan fungsi Dewan Komisaris
Regulation of Bank Indonesia No. 8/4/PBI/2006 on the
implementation of Good Corporate Governance for Commercial
Banks on January 30, 2006 which was amended to Regulation of
Bank Indonesia No. 8/14/PBI/2006 on October 5,
2006. Risk Monitoring Committee was established to support the
dalam mengawasi efektivitas proses manajemen risiko meliputi
proses identifikasi, pengukuran, pemantauan, dan pengendalian
risiko pada Bank. Hingga saat ini, Komite Pemantau Risiko
berkoordinasi dengan Komite Manajemen Risiko dan Satuan Kerja
Manajemen Risiko.
implementation of Board of Commissioners’ function in
supervising the effectiveness of risk management process including
identification process, measure, monitoring, and risk control on
344
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
the Bank. Up until now, the Risk Monitoring Committee is
coordinating with Risk Management Committee and Risk
Management Working Unit.
Kilas Kinerja 2014
Flashback Performance of 2014
Profil Perusahaan
Company Profile
Laporan Manajemen
Report of Management
Struktur dan Susunan Komite Pemantau Risiko
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Structure and Composition of the Risk Monitoring
Committee
016/2014/PRESDIR-
Based on the Decree No. 016/2014/PRESDIR-CorSec&CorComm
CorSec&CorComm tanggal 3 Juli 2014, susunan anggota Komite
dated July 3, 2014, the composition of Risk Monitoring Committee
Pemantau Risiko adalah sebagai berikut:
is as follows:
Berdasarkan
Surat
Keputusan
Nama / Name
No.
Posisi / Position
Periode / Period
Keahlian / Expertise
•
•
•
Ekonomi / Economy
Akuntansi / Accounting
Manajemen & Strategi Bisnis / Management & Business Strategy
Ketua / Chairman
Juli 2014 - Sekarang /
July 2014 - Now
Anggota / Member
Juli 2014 - Sekarang /
July 2014 - Now
•
•
•
Ekonomi / Economy
Keuangan / Finance
Perbankan / Banking
Edwin Hidayat Abdullah
Anggota / Member
Juli 2014 - Sekarang /
July 2014 - Now
•
•
•
Ekonomi / Economy
Manajemen / Management
Perbankan / Banking
Agustinus Antonius
Anggota / Member
Juli 2014 - Sekarang /
July 2014 - Now
•
•
Manajemen / Management
Perbankan / Banking
Sammy Kristamuljana
Tjendrawati Widjaja
Profil Komite Pemantau Risiko
Sammy Kristamuljana - Ketua
Profile of the Risk Monitoring Committee
Sammy Kristamuljana - Chairman
Profil Ketua Komite Audit sudah disajikan dalam profil Dewan
Profile of the Audit Committee Chairman is already served in
Komisaris.
Profile of the Board of Commissioners
Tjendrawati Widjaja - Anggota
Profil anggota Komite Audit ini sudah disajikan dalam profil
Tjendrawati Widjaja - Member
Profile of the Audit Committee member is already served in
Dewan Komisaris.
Profile of the Board of Commissioners
Edwin Hidayat Abdullah - Anggota
Edwin Hidayat Abdullah - Member
Profil anggota Komite Audit ini sudah disajikan dalam profil
anggota Komite Audit.
Profile of the Audit Committee member is already served in
Agustinus Antonius - Anggota
Profil anggota Komite Audit ini sudah disajikan dalam profil
anggota Komite Audit.
Agustinus Antonius - Member
Profile of the Audit Committee member is already served in
Keanggotaan Komite Pemantau Risiko telah sesuai dengan yang
disyaratkan oleh ketentuan Bank Indonesia tentang pelaksanaan
GCG dan Piagam Komite Pemantau Risiko.
Membership of the Risk Monitoring Committee is in accordance
with the requirements of Bank Indonesia Provision on the
implementation of GCG and Risk Monitoring Committee Charter.
Independensi Komite Pemantau Risiko
Mengacu kepada Ketentuan Bank Indonesia dan Piagam
Komite Pemantau Risiko, yaitu:
• Anggota Komite Pemantau Risiko terdiri dari :
a. Sammy Kristamuljana
b. Tjendrawati Widjaja
Profile of the Audit Committee
Profile of the Audit Committee
Independency of Risk Monitoring Committee
Refer to the Provision of Bank Indonesia and Risk Monitoring
Committee Charter, namely:
• Member ot the Risk Monitoring Committee consists of: A.
Sammy Kristamuljana
B. Tjendrawati Widjaja
Annual Report 2014 | PT. BANK SINARMAS Tbk.
345
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
c. Edwin Hidayat Abdullah
d. Agustinus Antonius
C. Edwin Hidayat Abdullah
D. Agustinus Antonius
•
Komite Pemantau Risiko diketuai oleh Komisaris Independen
yaitu Sammy Kristamuljana.
• Tidak terdapat anggota Direksi yang menjadi anggota
• Risk Monitoring Committee is chaired by Independent
Commissioner which is Sammy Kristamuljana
•
There is no member of the Board of Directors who became
• Merangkap jabatan sebagai ketua komite paling banyak pada 1
(satu) komite lainnya. Selain menjabat sebagai Ketua Pemantau
Risiko, Sammy Kristamuljana juga menjabat sebagai Ketua
Komite Good Corporate Governance (GCG).
•
member of the Risk Monitoring Committee
Concurrent position as the committee chairman maximum at 1
Independensi Komite Audit telah memenuhi ketentuan Bank
Independency of Audit Committee has met the provision of
Indonesia tentang pelaksanaan GCG antara lain:
Bank Indonesia on the implementation of GCG among others:
Komite Pemantau Risiko.
No
(one) other committee. Other than serve as Chairman of Risk
Monitoring, Sammy Kristamuljana also served as the
Chairman of Good Corporate Governance Committee (GCG).
Nama / Name
1
Sammy Kristamuljana
2
Tjendrawati Widjaja
3
Edwin Hidayat Abdullah
4
Agustinus Antonius
Kriteria / Criteria
Tidak memiliki
hubungan keuangan
dengan anggota
Dewan
Komisaris,Direksi,
dan/atau Pemegang
Saham Pengendali atau
hubungan dengan
Bank, yang dapat
mempengaruhi
kemampuannya untuk
bertindak Independen.
No financial
relations with
members of Board
of Commissioners,
Directors, and/
or Shareholders
Controller, or relations
with Bank, in possibility
that his ability to act
independent y could
be compromised
Tidak memiliki
hubungan keuangan
dengan anggota
Dewan
Komisaris,Direksi,
dan/atau Pemegang
Saham Pengendali atau
hubungan dengan
Bank, yang dapat
mempengaruhi
kemampuannya untuk
bertindak Independen.
No financial
relations with
members of Board
of Commissioners,
Directors, and/
or Shareholders
Controller, or relations
with Bank, in possibility
that his ability to act
independent y could
be compromised
Tidak memiliki hubungan
keuangan dengan anggota
Dewan Komisaris,Direksi,
dan/atau Pemegang
Saham Pengendali
atau hubungan dengan
Bank, yang dapat
mempengaruhi
kemampuannya untuk
bertindak Independen. No
financial relations with
members of Board of
Commissioners,
Directors, and/ or
Shareholders Controller,
or relations with
Bank, in possibility that
his ability to act
independent y could be
compromised
Tidak memiliki
hubungan keuangan
dengan anggota
Dewan
Komisaris,Direksi,
dan/atau Pemegang
Saham Pengendali atau
hubungan dengan
Bank, yang dapat
mempengaruhi
kemampuannya untuk
bertindak Independen.
No financial
relations with
members of Board
of Commissioners,
Directors, and/
or Shareholders
Controller, or relations
with Bank, in possibility
that his ability to act
independent y could
be compromised
Dalam melaksanakan fungsinya, Komite Pemantau Risiko
bertugas dan bertanggung jawab untuk :
•
Melakukan evaluasi tentang kesesuaian antara kebijakan
Duties and Responsibilities
In implementing its function, the Risk Monitoring Committee is in
charge and responsible to :
•
Carry out evaluation regarding the suitability between risk
manajemen risiko dengan pelaksanaan kebijakan tersebut.
• Melakukan pemantauan dan evaluasi pelaksanaan tugas Komite
• Carry out the monitoring and evaluation on the implementation of
Manajemen Risiko dan Satuan Kerja Manajemen Risiko
(SKMR).
Memberikan rekomendasi kepada Dewan Komisaris atas hasil
duties of the Risk Management Committee and Risk
Management Working Unit (SKMR)
Provide recommendation to the Board of Commissioners on the
Tugas dan Tanggung Jawab
•
evaluasi manajemen risiko.
management policy with the implementation of such policy.
•
result of risk management evaluation.
Risiko
Brief Report of the Duty Implementation of Risk
Monitoring Committee
Program kerja Komite Pemantau Risiko difokuskan untuk
mengevaluasi konsistensi dan kecukupan antara kebijakan
Risk Monitoring Committee’s work program is focused to
evaluate the consistency and adequacy between risk
Laporan Singkat Pelaksanaan Tugas Komite Pemantau
346
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
manajemen risiko serta implementasi dari kebijakan tersebut. Hasil
dari evaluasi dan pemantauan yang dilakukan akan disampaikan
dalam bentuk rekomendasi kepada Dewan Komisaris.
Selama periode 2014, Komite Pemantau
melaksanakan program sebagai berikut:
Risiko
telah
1. Melakukan evaluasi terhadap :
a. Laporan Keuangan 2014
b. Laporan Keuangan Kuartal 2014 c.
Laporan Kepatuhan 2014
d. Peraturan-peraturan internal yang terkait dengan
pelaksanaan manajemen risiko
2.
Melakukan pemantauan terhadap strategi dan implementasi
dalam meningkatkan peringkat Tingkat Kesehatan Bank serta
memberikan rekomendasi terhadap parameter (Profil Risiko,
GCG, Rentabilitas, Permodalan) yang perlu menjadi perhatian.
3. Mempelajari dan memahami regulasi yang mengatur
pelaksanaan manajemen risiko serta memastikan bahwa Bank
telah mengimplementasikan regulasi tersebut.
4. Memahami risiko-risiko yang dihadapi Bank dan
memberikan arahan yang jelas, melakukan pengawasan dan
mitigasi secara aktif serta mengembangkan budaya manajemen
risiko pada seluruh unit kerja.
5. Membahas antisipasi pengendalian risiko dalam hal-hal
yang bersifat khusus, antara lain rencana pengembangan
jaringan kantor dan pengembangan Teknologi Sistem
6.
Informasi (TSI).
Mengintensifkan komunikasi dengan unit-unit dalam Bank
maupun pihak luar yang relevan dalam rangka mencari bentuk
pelaksanaan tugas yang lebih baik dan efektif.
7. Melakukan
pengawasan
terhadap
seluruh eksposur
risiko, dengan prioritas pada eksposur risiko kredit, risiko
operasional, yang dilakukan antara lain dengan melakukan
pemantauan secara ketat atas perkembangan kredit dan usaha
untuk memperbaiki kualitas kredit serta pemantauan terhadap
tindak lanjut temuan berulang oleh SKAI atau Audit Eksternal.
Pengawasan dilakukan pula terhadap seluruh aktivitas dan
portofolio Treasury yang dimiliki Bank.
8. Melakukan pengawasan terhadap realisasi rencana Bisnis Bank,
khususnya dalam menghadapi lingkungan bisnis yang
dihadapkan pada perekonomian global.
9. Melakukan evaluasi dan memberikan masukan kepada Dewan
Komisaris terhadap transaksi atau kegiatan usaha yang
berpotensi menimbulkan risiko, untuk dapat digunakan oleh
Dewan Komisaris sebagai dasar untuk pengambilan keputusan.
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
management policy and the implementation of such policy. Result
of evaluation and monitoring carried out will be submitted in form of
recommendation to the Board of Commissioners.
During 2014, the Risk Monitoring Committee has implemented the
following programs
1. Evaluation on :
a. Financial Statement 2014
b. Quarterly Financial Statement 2014 c.
Compliance Report 2014
d. Internal rules which are related to the implementation of
risk management
2. Carry out monitoring on strategy and implementation in
improving the rank of Bank’s Health level as well as to provide
recommendation on parameters (Risk Profile, GCG,
Profitability, and Capital) which needs to be focused.
3. Study and understand the regulation that regulates the
implementation of risk management as well as to ensure that
the Bank has implemented such regulation.
4. Understand that risks that are being faced by the bank and
to provide clear guidance, perform supervision and mitigation
actively as well as to develop risk management culture in the
entire work unit.
5. To discuss the anticipation of risk control in special matters,
among others are the development plan of office network and
the development of System Information Technology (TSI)
6. Intensifies the communication with units in the Bank or relevant
outside parties in order to seek better and more effective duties
implementation
7. Perform supervision on the entire risk exposure, with
priority to the credit risk exposure, operational risk, which is
conducted among others by performing tight monitoring on
credit and business development to improve credit quality as
well as monitoring on the follow-up of findings by SKAI or
External Audit. Supervision is conducted to the entire activities
and Treasury portfolio owned by the Bank.
8. Perform supervision on the realization of Bank’s Business plan,
especially in facing the business environment that is faced to
global economy
9. Perform evaluation and provide inputs to the Board of
Commissioners on transaction or business activity which
potentially give rise to risk, in order to be used by the Board of
Commissioners as basis for decision-making.
Annual Report 2014 | PT. BANK SINARMAS Tbk.
347
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
10. Memberikan masukan terhadap implementasi BASEL II,
BASEL III, dan implementasi PSAK 50 dan 55 serta
mengantisipasi dampaknya terhadap aktivitas usaha Bank,
kecukupan modal dan kesiapan infrastruktur.
10. Provide input on the implementation of BASEL II, BASEL
III, and implementation of PSAK 50 and 55 as well as to
anticipate its impact on the Bank’s business activity, capital
adequacy and infrastructure readiness.
Adapun rekomendasi yang diberikan kepada Dewan Komisaris
sehubungan dengan telah dilaksanakannya program kerja tersebut
antara lain:
1. Perlunya ditingkatkan mekanisme sistem pengawasan dan
Recommendations provided to the Board of Commissioners In
connection with the implementation of such work program, among
others are:
1. The need for improved mechanism of supervision system and
sistem monitoring kredit, khususnya kredit dengan skema
credit monitoring system, especially credit with channeling and
consumer loan scheme
2. The need for improvement on the implementation of supervision
2.
channeling dan consumer loan.
Perlunya peningkatan pelaksanaan pemantauan aktivitas
transaksi fasilitas ekspor impor kepada nasabah.
Memaksimalkan monitoring dan meminimalkan potensi
kerugian dengan cara meningkatkan efektivitas Sistem
Informasi Manajemen Risiko untuk risiko pasar dan likuditas.
4. Minimalisasi potensi risiko operasional akibat kesalahan
on activity of export import transaction to the customer.
3. Maximize the monitoring and minimize the potential for loss
by improving
3.
yang dilakukan oleh petugas pelaporan (human error).
5. Untuk perbaikan kualitas kerja yang berkesinambungan, maka
perlunya diskusi yang intensif dengan pihak regulator terkait
penilaian tingkat kesehatan Bank.
6. Bank harus melakukan perbaikan total dalam mewujudkan
Tingkat Kesehatan Bank yang ideal.
7.
Pelaksanaan budaya Sadar Risiko harus lebih ditingkatkan
sebagai salah satu bentuk mitigasi risiko, dari level tertinggi
hingga terendah.
8. SKMR harus menjadi partner bagi unit kerja lain untuk
mencapai tujuan bersama sesuai dengan arahan pihak
Manajemen.
9. Perlunya perbaikan aspek Kualitas Penerapan Manajemen
Risiko, khususnya untuk nilai parameter yang peringkatnya
masih perlu ditingkatkan.
10. Perlunya kajian terhadap tiap temuan Regulator serta
pemantauan atas tindak lanjut temuan Regulator.
Frekuensi dan Tingkat Kehadiran Rapat Komite Pemantau
Risiko
Komite Pemantau Risiko telah menyelenggarakan rapat sebanyak 4
(empat) kali yang dipimpin oleh ketua komite yang seluruh hasil
rapatnya diputuskan berdasarkan musyawarah mufakat
dan
dituangkan secara tertulis ke dalam risalah rapat serta
didokumentasikan dengan baik guna memberikan rekomendasi
kepada Dewan Komisaris.
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PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
4.
the
effectiveness
of Risk
Management
Information System for market risk and liquidity.
Minimization of operational risk potential due to mistakes
conducted by officer (human error)
5. For the improvement of sustainable work quality, then the
needs of intensive discussion with regulator parties related to
the assessment of the Bank’s health level.
6. The Bank has to perform total improvement in realizing the
ideal Bank’s Health Level
7. Implementation of Risk Awareness culture shall be improved as
one of the risk mitigation form, from the highest to lowest
level.
8. SKMR must be the partner for other working unit to
reach mutual target in accordance with the guidance of
Management.
9. The need for improvement of Risk Management
Implementation Quality aspect, especially for the parameter
value which rank needs to be improved.
10. The needs for study on each findings by Bank Indonesia as
well as monitoring on the follow-up on findings by Bank
Indonesia
Frequency and Attendance Rate of Risk Monitoring
Committee Meeting
Risk Monitoring Committee has organize 4 meetings that is led by
the chairman, and the entire result is based on consensus and stated
in writer letter to the minutes of meetings as well as to be welldocumented in order to provide recommendation to the Board of
Commissioners.
Kilas Kinerja 2014
Flashback Performance of 2014
Profil Perusahaan
Company Profile
Laporan Manajemen
Report of Management
Kehadiran Rapat
No.
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Meeting Attendance
Frekuensi Kehadiran /
Attendance Frequency
Jabatan / Position
Nama / Name
Persentase /
Percentage
Ketua / Chairman
3/4
75%
Tjendrawati Widjaja
Anggota / Member
4/4
100%
3
Edwin Hidayat Abdullah
Anggota / Member
2/4
50%
4
Agustinus Antonius
Anggota / Member
2/4
50%
1
Sammy Kristamuljana
2
Agenda Rapat Komite Pemantau Risiko
Meeting Agenda of Risk Monitoring Committee
Tanggal / Date
Agenda Rapat / Meeting Agenda
22 Januari 2014
January 22, 2014
Penilaian Tingkat Kesehatan Bank Semester II - 2013
Assessment on Health Level of Bank Semester II - 2013
17 April 2014
April 17, 2014
Penilaian Profil Risiko Triwulan I - 2014
Assessment on Risk Profile Quarter I - 2014
21 Juli 2014
July 21, 2014
Penilaian Tingkat Kesehatan Bank Semester I - 2014
dan Profil Risiko Triwulan II - 2014
Assessment on Health Level of Bank Semester I - 2014
and Risk Profile Quarter II - 2014
31 Oktober 2014
October, 31 2014
Penilaian Risiko Triwulan III - 2014
Assessment on Risk Quarter III - 2014
KOMITE REMUNERASI DAN NOMINASI
COMMITTEE OF REMUNERAION AND
NOMINATION
Komite Remunerasi dan Nominasi Bank Sinarmas dibentuk
dengan tujuan untuk mendukung pelaksanaan fungsi pengawasan
Dewan Komisaris terkait kebijakan remunerasi dan nominasi.
Committee of remuneration and nominatiion of Bank Sinarmas is
established with he purpose of supporting the implementation of
supervision function of Board of Commissioners related to
remuneration and nomination policies.
Struktur dan Susunan Komite Remunerasi dan Nominasi
tanggal 3 Juli 2014, susunan anggota Komite Remunerasi dan
Structure and Composition of Committee of Remuneration and
Nomination
Based on Decree No. 017/2014/PRESDIR-Corsec&CorComm
Nominasi adalah sebagai berikut:
dated July 3, 3014, the composition of Remuneraton and
Berdasarkan
SK
No.
017/2014/PRESDIR-Corsec&CorComm
Nominatio Committee members are as follows:
Nama / Name
Posisi / Position
Periode / Period
Keahlian / Expertise
Ketua / Chairman
Juli 2014 - Sekarang /
July 2014 - Now
Perbankan / Banking
Ekonomi / Economic
Tjendrawati Widjaja
Anggota / Member
Juli 2014 - Sekarang /
July 2014 - Now
Ekonomi / Economic
• Keuangan / Financial
Perbankan / Banking
Wahyu Zaenie
Anggota / Member
Juli 2014 - Sekarang /
July 2014 - Now
Rusmin
•
•
Human Capital Management/
Personalia
Hukum / Law
Annual Report 2014 | PT. BANK SINARMAS Tbk.
349
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Profil Komite Remunerasi dan Nominasi
Rusmin - Ketua
Profile of Committee of Remuneration and Nomination
Rusmin-Head
Profil Ketua Komite Remunerasi dan Nominasi sudah disajikan
dalam profil Dewan Komisaris.
Profile of Head of Committee of Remuneration and Nomination has
been presented in profile of Board of Commissioners.
Tjendrawati Widjaja - Anggota
Tjendrawati Widjaja - Member
Profile of Committee of Remuneration and Nomination Member has
been presented in Board of Commissioner.
Profil anggota Komite Remunerasi dan Nominasi ini sudah
disajikan dalam profil Dewan Komisaris.
Wahyu Zaenie - Anggota
Warga Negara Indonesia, 55 tahun. Bergabung dengan Bank
Sinarmas sejak 2006 Dan menjabat sebagai anggota Komite
Remunerasi dan Nominasi sejak Juli 2012. Saat ini menjabat
sebagai Division Head Human Capital Recruitment & Adm.
Support. Beliau meraih gelar Sarjana Hukum dari Universitas
Katolik Parahyangan.
Keanggotaan Komite Pemantau Risiko telah sesuai dengan yang
disyaratkan oleh ketentuan Bank Indonesia tentang pelaksanaan
GCG dan Piagam Komite Remunerasi dan Nominasi.
Wayu Zaenie - Member
Indonesian Citizen, age 55. Working in Bank Sinarmas
since 2006 and serving as Commiitee of Remuneration and
Nomination member since July 2012. Currently he serves as
Division Head Human Capital Recruitment & Adm. Support.
He achieved his bachelor of laws from University of Katolik
Parahyangan.
Composition of Committee of Risk Monitoring has been in
accordance with Bank Indonesia regulation regarding the
implementation of GCG and Commitee o Remuneration and
Nomination Charter.
Independensi Komite Remunerasi dan Nominasi
Keanggotaan Komite Remunerasi dan Nominasi telah sesuai
dengan ketentuan Bank Indonesia mengenai pelaksanaan GCG dan
Piagam Komite Remunerasi dan Nominasi yang secara garis
besar, yaitu:
• Anggota Komite Remunerasi dan Nominasi terdiri dari:
Independency of Committee of Remuneration and
Nomination
Composition of Committee of Remuneration and Nomination has
been in line with Bank Indonesia regulation regarding the
implementation of GCG ad Committee of Remuneration and
Nomination Charter which generally are as follows:
• Committee of Remuneration and Nomination Members
consist of:
a. Rusmin sebagai Komisaris Independen b.
Tjendrawati Widjaja sebagai Komisaris.
a. Rumin as Independent Commissioner b.
Tjendrawati Widjaja as Commissioner
c. Wahyu Zaeni sebagai Pejabat Eksekutif di bidang
Human Capital Management.
c. Wahyu Zaeni as Excecutive Director in Human Capital
• Komite Remunerasi dan Nominasi diketuai oleh Komisaris
Independen yaitu Rusmin.
Management
• Committee of Remuneration and Nomination is directed by
• Tidak terdapat anggota Direksi yang menjadi Komite
Remunerasi dan Nominasi.
• Merangkap jabatan sebagai ketua komite paling banyak pada 1
(satu) komite lainnya. Selain menjabat sebagai Ketua Komite
Remunerasi dan Nominasi, Rusmin juga menjabat sebagai
Ketua Komite Audit.
• Anggota Komite Remunerasi dan Nominasi
memiliki
integritas, akhlak, dan moral yang baik.
Independent Commissioner, Rusmin.
• No member from Board of Directors was assigned to
Remuneration and Nomination Committee
•
Assigned as Head of the Committee to 1 (one) another
committee at maximum. Other than being assigned as Head of
Remuneration and Nomination Committee, Rusmin was also
assigned as Head of Audit Committee
• Committee of Remuneration and Nomination Member hold
integrity and good morality.
Keanggotaan Komite Remunerasi dan Nominasi telah sesuai
dengan ketentuan Bank Indonesia mengenai pelaksanaan GCG,
yaitu :
350
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Composition of Remuneration and Nomination Committee has
fulfilled Bank Indonesia regulatio regarding the implementation of
GCG, such as:
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
No
Nama / Name
1
Rusmin
2
Tjendrawati Widjaja
3
Wahyu Zaenie
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Kriteria / Criteria
Tidak memiliki hubungan
keuangan dengan anggota
Dewan Komisaris,Direksi,
dan/atau Pemegang Saham
Pengendali
atau hubungan dengan
Bank, yang dapat
mempengaruhi
kemampuannya untuk
bertindak Independen. No
financial relations with
members of Board of
Commissioners,
Directors, and/ or
Shareholders Controller,
or relations with Bank,
that can influence
his ability to act
independently.
Tidak memiliki hubungan
keuangan dengan anggota
Dewan Komisaris,Direksi,
dan/atau Pemegang Saham
Pengendali
atau hubungan dengan
Bank, yang dapat
mempengaruhi
kemampuannya untuk
bertindak Independen. No
financial relations with
members of Board of
Commissioners,
Directors, and/ or
Shareholders Controller,
or relations with Bank,
that can influence
his ability to act
independently.
Tugas dan Tanggung Jawab
Tidak memiliki hubungan
keuangan dengan anggota
Dewan Komisaris,Direksi,
dan/atau Pemegang Saham
Pengendali
atau hubungan dengan
Bank, yang dapat
mempengaruhi
kemampuannya untuk
bertindak Independen. No
financial relations with
members of Board of
Commissioners,
Directors, and/ or
Shareholders Controller,
or relations with Bank,
that can influence
his ability to act
independently.
Tidak memiliki hubungan
keuangan dengan anggota
Dewan Komisaris,Direksi,
dan/atau Pemegang Saham
Pengendali
atau hubungan dengan
Bank, yang dapat
mempengaruhi
kemampuannya untuk
bertindak Independen. No
financial relations with
members of Board of
Commissioners, Directors,
and/ or
Shareholders Controller,
or relations with Bank,
that can influence
his ability to act
independently.
Berikut kebijakan Komite Remunerasi dan Nominasi sebagai
Duties and Responsibility
Duties and responsibilities of Commitee of Remuneration and
tugas dan tanggung jawabnya:
Nomination are as follows:
Kebijakan Remunerasi / Remuneration Policy
Melakukan evaluasi terhadap kebijakan remunerasi.
Conducting evaluations upon remuneration policies;
Memberikan rekomendasi kepada Dewan Komisaris mengenai:
• Kebijakan remunerasi bagi Dewan Komisaris dan Direksi untuk
disampaikan kepada RUPS.
• Kebijakan remunerasi bagi pejabat eksekutif dan pegawai secara
keseluruhan untuk disampaikan kepada Direksi.
Giving recommendations to Board of Commissioners regarding:
• Remuneration policy for Board of Commissioners and Directors to be
reported at the General Meeting of Shareholders;
• Remuneration policy for executive manager and overall employees to be
reported to Board of Directors
Selain itu, Komite Remunerasi dan Nominasi memastikan bahwa
kebijakan paling kurang sesuai dengan hal-hal sebagai berikut:
•
Kinerja keuangan dan pemenuhan cadangan perusahaan
sebagaimana diatur dalam peraturan perundang-undangan yang
berlaku.
Kebijakan Nominasi / Nomination Policy
Menyusun dan memberikan rekomendasi mengenai sistem serta
prosedur pemilihan dan/atau penggantian anggota Dewan Komisaris dan
Direksi kepada Dewan Komisaris untuk disampaikan kepada RUPS.
Composing and giving recommendations regarding the system and
election procedures and/or the replacement of Board of Commissioners
and Directors’ member to Board of Commissioer to be reported at the
General Meeting of Shareholders;
Memberikan rekomendasi mengenai calon anggota Dewan Komisaris
dan/atau Direksi kepada Dewan Komisaris untuk disampaikan kepada
RUPS.
Give recommendations regarding member candidates of Board of
Commissioners and/or Directors to Board of Commissioners to be
reported at the General Meeting of Shareholders;
Memberikan rekomendasi mengenai pihak independen yang akan
menjadi anggota komite sebagaimana dimaksud dalam PBI mengenai
GCG.
Give recommendations regarding independent parties who will be
assigned as committee members as stated in PBI about GCG.
Besides that, Committee of Remuneration and Nomination
ensures that the policy at least suited to:
• Financial performance and fulfillment of company reserves
as regulated in laws and regulations;
Annual Report 2014 | PT. BANK SINARMAS Tbk.
351
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
• Prestasi kerja individual.
• Kewajaran dengan peer group.
• Individual working achievements;
• Fairness with peer group;
• Pertimbangan sasaran dan strategi jangka panjang Bank.
• Consideration of the bank’s goals and long-term strategy
Laporan Singkat Pelaksanaan Tugas Komite Remunerasi dan Nominasi
Selama 2014, Komite Remunerasi dan Nominasi telah melakukan
Brief Report of Duties Implementation of Remuneration and Nomination
Committee
Throughout 2014, Committee of Remuneration and Nomination
kegiatan serta memberikan rekomendasi-rekomendasi kepada
Dewan Komisaris, antara lain:
1. Action plan Human Capital Recruitment & Admin Support
Committe had conducted several activties
recommendations to Board of Commissioner, such as:
and gave
1. Action plan of Human Capital Recruitment & Admin
di tahun 2014
2. Pengimplementasian Program BPJS Kesehatan untuk
seluruh karyawan Bank Sinarmas.
Support in 2014.
2. Implementation of BJPJS health program for all Bank
3. Perubahan Anggota Komite Remunerasi dan Nominasi.
Sinarmas’ employees.
3. The changes of Committee of Remuneratio and Nomination
4. Perekrutan karyawan dilakukan sesuai dengan Man Power
Planing dalam RBB tahun 2014.
members.
4. Employee recruitment had been conducted in accordance with
5. Kajian terhadap struktur organisasi unit kerja yang dirasa
Man Power Planning in RBB year 2014.
5. Review of organization structure of working unit that has not
belum memenuhi kriteria ideal.
fulfilled ideal criteria.
6. Pencalonan calon Anggota Direksi Bank Sinarmas.
6. Nomination of Director members of Bank Sinarmas.
Aktivitas Komite Remunerasi dan Nominasn
Sepanjang tahun 2014, Komite Remunerasi dan Nominasi telah
menyelenggarakan pertemuan sebanyak 4 (empat) kali yang
dilakukan setiap Triwulan. Dalam pertemuan tersebut dilakukan
pembahasan mengenai hal-hal berikut:
Activity of Committe of Remuneration and Nomination Throughout
2014, Committee of Remuneration and Nomination held 4 (four)
times meeting conducted n every quarter. The discussions in the
meetig are as follows:
a. Fungsi Remunerasi
1. Mengkaji dan mengevaluasi remunerasi BOC dan BOD
a. Remuneration Function
1. Reviewing and evaluatng remuneration of Board of
tahun 2014
Commissioner and Directors year 2014
2. Penerapan Upah Minimum Propinsi
3. Melakukan kajian terhadap Kenaikan Berkala tahun
4. Melakukan
kajian
terhadap
Perubahan
Struktur
Golongan Karyawan
5.
2. Implementing of Provincial Minimum Wage
3. Reviewing periodic increase year 2014 and annual bonuses
2014 dan Pemberian Bonus Tahunan.
Melakukan kajian terhadap Perubahan Komponen
Upah Karyawan Outsourcing, yang sebelumnya terdiri dari
Gaji Pokok, dibagi menjadi 2 komponen, yaitu Gaji Pokok
dan Tunjangan Khusus Golongan A.
b. Fungsi Nominasi
4. Reviewing the change of employees group structure
5.
Reviewing the change of outsourcing employee wage
components, that previously consist of basic salary, now is
changed into two components, which are basic salary and
special allowance for group A.
b. Nomination Fuction
1. Mengkaji penunjukan kembali keanggotaan BOD &
BOC serta perubahan anggota Komite.
1. Reviewing re-appointment of Board of Director and
2. Mengkaji rencana penunjukkan BOD yang akan datang.
2. Reviewing plan of future Board of Director appointment.
3. Mengkaji penunjukan anggota Komisaris Independen yang
baru.
3. Reviewing
appointment.
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PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Commissioner composition as well as the change of
Committee members.
new
Independent
Commissioner
Kilas Kinerja 2014
Flashback Performance of 2014
Profil Perusahaan
Company Profile
Laporan Manajemen
Report of Management
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
4. Mengkaji komposisi BOC dan BOD
4. Reviewing composition of Board of Commissioner and
Director.
5. Melakukan kajian terhadapstruktur organisasi unit kerja
yang dipandangmasih belum ideal
6. Mengkaji rencana pemenuhan SDM 2014 sesuai
5. Reviewing organization structure of working unit that has
not been ideal
6. Reviewing the plan of Human Resource meeting 2014 that
is in line with Man Power Planning (MPP) in RBB
dengan Man Power Planning (MPP) dalam RBB 2014.
2014.
Frekuensi dan Tingkat Kehadiran Rapat Komite
Remunerasi dan Nominasi
Meeting Frequency and Attncance List of Committee of
Remuneration and Nomination
Komite Remunerasi dan Nominasi telah menyelenggarakan rapat
Committe of Remuneration and Nomination held 5 (five) times
meetings chaired by Head of Committee and its result was
determined based on consensus agreement written in the
minutes of meeting and well documented in order to give
sebanyak 5 (lima) kali yang dipimpin oleh ketua yang seluruh hasil
rapatnya diputuskan berdasarkan musyawarah mufakat
dituangkan
secara
tertulis
ke
dalam
dan
risalah rapat serta
didokumentasikan dengan baik guna memberikan rekomendasi
recommendations to Board of Commissioner.
kepada Dewan Komisaris.
Kehadiran Rapat
No.
Meeting Attendance
Nama / Name
1
Rusmin*
2
3
Jabatan / Position
Frekuensi Kehadiran /
Persentase /
Attendance Frequency
Percentage
Ketua / Head
2/5
40%
Tjendrawati Widjaja
Anggota / Member
4/5
80%
Wahyu Zaenie
Anggota / Member
5/5
100%
Keterangan : *) Efektif menjabat sejak 19 Juni 2014
Description : *) Effective since June 19, 2014
Agenda Rapat Komite Remunerasi dan Nominasi
Meeting Agenda of Committee of Remuneration and
Nomination
Tanggal / Date
24 Januari 2014 / January 24, 2014
Agenda Rapat / Meeting Agenda
• Action Plan Human Capital
Recruitment & Admin Support -
• Action Plan Human Capital Recruitment
& Admin Support - 2014
• Health BPJS
2014
• BPJS Kesehatan
11 Februari 2014 / February 11, 2014
Calon Komisaris Independen
Nomination of Independent Commissioner
11 April 2014 / April 11, 2014
Program Kerja HCM, Admin & Support:
Personel service, Recruitment, Industrial
Relation, Benefit & Admin.
Working program of HCM, Admin &
Support: Personel service, Recruitment,
Industrial Relation, Benefit & Admin.
3 Juli2014 / July 3, 2014
• Pencalonan Soejanto Soetjijo
• Nomination of Soejanto Soetjijo as
sebagai Direktur Bank Sinarmas
• Perubahan susunan anggota KRN
Director of Bank Sinarmas
• Tindaklanjut keputusan rapat KRN
• The changes of KRN members
compositions
• Laporan HCM
• Following-up result of KRN meeting
• HCM report
Annual Report 2014 | PT. BANK SINARMAS Tbk.
353
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Tanggal / Date
Agenda Rapat / Meeting Agenda
6 Oktober 2014 / October 6, 2014
• Pencalonan Frenky Tirtowijoyo Susilo
• Nomination of Frenky T. Susilo as
sebagai Direktur Bank Sinarmas
Director of Bank Sinarmas
• Penyempurnaan kebijakan KRN
• Enhancement of KRN policies
• Tindak lanjut keputusan Rapat KRN
• Following-up result of KRN meeting
• Perubahan struktur karyawan
• The changes of employees structure
KOMITE GOOD CORPORATE GOVERNANCE
(GCG)
KOMITE GOOD CORPORATE GOVERNANCE
(GCG)
Komite GCG dibentuk guna membantu Dewan Komisaris
Committee of GCG is assigned to assist the Board of
dalam melakukan pengawasan tentang tata kelola perusahaan.
Commissioners in monitoring the corporate governance.
Struktur dan Susunan Komite Remunerasi dan Nominasi
Susunan anggota Komite GCG berdasarkan Surat Keputusan
Structure and Composition of Committee ofRemuneration and
Nomination
Composition of Committee of GCG members based on Decree
No.043/2013/PRESDIR-CorSec&Corcomm tanggal 9 Oktober
No.043/2013/PRESDIR-Corsec&Corcomm dated October 9,
2013 adalah sebagai berikut:
2013 are as follows:
Nama
Posisi
Periode
Keahlian
• Ekonomi / Economic
Sammy Kristamuljana
Ketua / Head
Agustus 2012 - sekarang /
August 2012 - now
• Akuntansi / Accountant
• Manajemen & Strategi Bisnis
/ Management & Business
Strategy
Salis Teguh Hartono
Wakil Ketua / Vice Head
Desember 2012 - sekarang /
December 2012 - now
Agustus 2012 - sekarang /
Hanafi Himawan
Anggota / Member
Purwanto
Anggota / Member
Harri Setiabudi
Anggota / Member
August 2012 - now Oktober
2013 - sekarang / October
2013 - now Agustus 2012 sekarang / August 2012 now Agustus 2012 sekarang / August 2012 -
Ketut Sanjaya
Anggota / Member
now Agustus 2012 Agustus
Rara Ajeng Pambudi
Anggota / Member
2014 / August 2012 - August
2014
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• Ekonomi / Economic
• Akuntansi / Accountant
• Manajemen / Management
• Ekonomi / Economic
• Akuntansi / Accountant
Hukum / Law
• Ekonomi / Economic
• Manajemen / Management
Perbankan / Banking
• Komunikasi / Communication
• Manajemen Governance /
Management Governance
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Profil Ketua Komite GCG sudah disajikan dalam profil Dewan
Profile of Committee of GCG Sammy
Kristamuljana - Head
Profile of Head Committee of GCG has been presented in profile of
Komisaris.
Board of Commissioner.
Hanafi Himawan - Anggota
Profil anggota Komite GCG ini sudah disajikan dalam profil
Hanafi Himawan - Member
Profil Komite GCG
Sammy Kristamuljana - Ketua
Direksi.
Profile of Commitee of GCG member has been presented in profile
of Director.
Salis Teguh Hartono - Anggota
Profil anggota Komite GCG ini sudah disajikan dalam profil
Direksi.
Salis Teguh Hartono - Member
Profile of Commitee of GCG member has been presented in profile
of Director.
Purwanto - Anggota
Warga Negara Indonesia, 48 tahun. Bergabung dengan Bank
Sinarmas sejak 1995. Memperoleh gelar Sarjana Hukum dari
Universitas Brawijaya pada tahun 1989. Mengawali karir sebagai
asisten notaris di Kantor Notaris Triphosa Lili Ekadewi.
Purwanto - Member
Indonesian Citizen, age 48. Working in Bank Sinarmas since
Harri Setiabudi - Anggota
Warga Negara Indonesia, 47 tahun. Bergabung dengan Bank
Sinarmas sejak 1997. Memperoleh gelar Sarjana Ekonomi dari
Universitas Pancasila. Mengawali karir di BDNI (Bank Dagang
Nasional Indonesia).
Harri Setiabudi - Member
Indonesian Citizen, age 47. Working in Bank Sinarmas since
Ketut Sanjaya - Anggota
Profil anggota Komite GCG ini sudah disajikan dalam profil
anggota Komite Audit.
Ketut Sanjaya - Member
Profile of Commitee of GCG member has been presented in profile
of Audit Committee.
Rara Ajeng Pambudi - Anggota
Warga Negara Indonesia, 26 tahun. Bergabung dengan Bank
Rara Ajeng Pambudi
Indonesian Citizen, age 26. Working in Bank Sinarmas since
2011. Memperoleh gelar Sarjana Komunikasi di Universitas
Atmajaya dan Magister Manejemen di Universitas Trisakti.
2011. Achieving Bachelor of Communication from University of
Atmajaya and Magister of Management from University of
Trisakti.
Keanggotaan Komite GCG telah sesuai dengan yang
disyaratkan oleh Piagam Komite GCG.
Composition of GCG Committee has been in accordance with
regulation of GCG Committee Charter.
Independensi Komite GCG
Independensi Komite GCG telah memenuhi ketentuan Bank
Indonesia tentang pelaksanaan GCG dan Piagam Komite GCG
antara lain:
Independency of GCG Committe
1995. Achieving Bachelor of Laws from University of Brawijaya
in 1989. Starting his career as notary assistent in Notary Office of
Triphosa Lili Ekadewi.
1997. Achieving Bachelor of Economics from University of
Pancasila. Starting his career in BDNI (Bank Dagang Nasional
Indonesia).
Independency of GCG Committee has been in accrodance with
regulation of Bank Indonesia regarding the implementation of
GCG and GCG Committee Charter, such as:
Annual Report 2014 | PT. BANK SINARMAS Tbk.
355
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
No
Nama Name
1
Sammy Kristamuljana
2
Salis Teguh Hartono
3
Hanafi Himawan
4
Purwanto
5
Harri Setiabudi
6
Ketut Sanjaya
7
Rara Ajeng Pambudi
Kriteria / Criteria
Tidak memiliki
hubungan keuangan
dengan anggota
Dewan
Komisaris,Direksi,
dan/atau Pemegang
Saham Pengendali atau
hubungan dengan
Bank, yang dapat
mempengaruhi
kemampuannya untuk
bertindak Independen.
/ No financial relations
with
members of Board of
Commissioners,
Directors, and/
or Shareholders
Controller, or relations
with Bank, that can
influence his ability to
act independently.
Tidak memiliki
hubungan kepengurusan
dengan anggota Dewan
Komisaris, Direksi,
dan/atau Pemegang
Saham Pengendali
atau hubungan dengan
Bank, yang dapat
mempengaruhi
kemampuannya untuk
bertindak independen.
/ No organizational
relations with members
of Board of
Commissioners,
Directors, and/
or Shareholders
Controller, or relations
with Bank, that can
influence his ability to
act independently.
Tidak memiliki hubungan
kepemilikan saham
dengan anggota Dewan
Komisaris, Direksi,
dan/atau Pemegang
Saham Pengendali atau
hubungan dengan
Bank, yang dapat
mempengaruhi
kemampuannya untuk
bertindak independen. /
No shares relations
with members of
Board of
Commissioners,
Directors, and/ or
Shareholders
Controller, or
relations with Bank, that
can influence his ability to
act
independently.
Tidak memiliki
hubungan keluarga
dengan anggota Dewan
Komisaris, Direksi,
dan/atau Pemegang
Saham Pengendali atau
hubungan dengan Bank,
yang dapat
mempengaruhi
kemampuannya untuk
bertindak independen./
No family ties with
members of Board
of Commissioners,
Directors, and/
or Shareholders
Controller, or relations
with Bank, that can
influence his ability to
act independently.
Tugas dan Tanggung Jawab
Duties and Responsibilities
Tugas dan tanggung jawab Komite GCG meliputi namun tidak
terbatas pada:
1. Memberi masukan yang diperlukan Dewan Komisari dalam
The duties and responsibilities of GCG Committee include but are
not limited to:
1. Provide opinions needed for the Board of Commissioners in
maintaining and/or improving GCG implementation quality.
memelihara dan/atau meningkatkan kualitas pelaksanaan GCG.
2. Memantau penerapan 5 (lima) prinsip-prinsip dasar GCG
dalam setiap kegiatan usaha Bank.
3. Memberi masukan dalam pembuatan laporan pelaksanaan
GCG baik untuk internal maupun eksternal.
4.
Memberi masukan dalam pembuatan revisi laporan
pelaksanaan GCG berupa rencana tindak (action plan) apabila
berdasarkan hasil evaluasi Bank Indonesia dianggap tidak
sesuai dengan kondisi Bank yang sebenarnya.
5. Memberi masukan terhadap hasil pemeriksaan Bank
Indonesia berupa temuan-temuan di bidang GCG.
2.
3. Monitoring 5 (five) implementation of GCG basic principles in
every Bank’s business activities.
4. Provide opinions to GCG implementation revised report making
for internal and external purpose.
5. Provide opinions to GCG implementation revised report
making in a form of action plan, if the evaluation from Bank
Indonesia is considered to be unsuitable to the real condition of
Bank.
6. Provide opinions to the investigation result of Bank
Indonesia regarding to the findings of GCG field.
Laporan Singkat Pelaksanaan Tugas Komite GCG
1. Evaluasi laporan pelaksanaan GCG tahun 2014.
2. Rancangan pedoman GCG dan GCG self assessment.
Brief Report of Duties Implementation of GCG Committe Throughout
2014, GCG Committee had conducted several activities and gave
recommendations to Board of Commissioners related to repor of
GCG implementation, such as:
1. Evaluating report of GCG implementation year 2013.
3. Self Assessment dilakukan berdasarkan pada 11 faktor penilaian
2. Draft of GCG guideline and GCG self assessment.
Selama 2014, Komite GCG telah melakukan kegiatan serta
memberikan rekomendasi-rekomendasi kepada Dewan Komisaris
terkait laporan pelaksanaan GCG, antara lain:
pelaksanaan GCG serta mencerminkan 3 aspek governance
(governance structure, governance process, dan governance
outcome).
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3. Self Assessment is conducted based on 11 (eleven) factors of
GCG implementation assessment that reflect 3 governance
aspects (governance structure, governance process, and
governance outome).
Kilas Kinerja 2014
Flashback Performance of 2014
Profil Perusahaan
Company Profile
Laporan Manajemen
Report of Management
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
4. Melakukan koordinasi dengan Kantor Akuntan Publik
untuk mempresentasikan dan memberikan tanggapan atas
kinerja laporan keuangan Bank Sinarmas secara triwulan dalam
rapat direksi/rapat Direksi dengan Dewan Komisaris.
4. Coordinating with Public Accountant Firm to represent and
response performance of Bank Sinarmas Financial Statement
quarterly in Directors’ meeting/Directors and Board of
Commissioners meeting.
Frekuensi dan Tingkat Kehadiran Rapat Komite GCG Komite GCG
telah menyelenggarakan rapat sebanyak 4 kali yang dipimpin
oleh ketua yang seluruh hasil rapatnya diputuskan berdasarkan
musyawarah mufakat dan dituangkan secara tertulis ke dalam
risalah rapat serta didokumentasikan dengan baik guna
memberikan rekomendasi kepada Dewan Komisaris.
Frequency and Attendance List of GCG Commitee Meeting GCG
Committee meeting have held 4 (four) meetings chaired by the
Head of Committee in which the decision made by consensus
agreement and written-transformed in Minutes of Meeting, and
well-documented to provide recommendations to Board of
Commissioners
Kehadiran Rapat
Meeting Attendance
No.
Nama
1
Sammy Kristamuljana
2
Jabatan
Frekuensi Kehadiran
Persentase
Ketua / Head
4/4
100%
Hanafi Himawan
Anggota / Member
4/4
100%
3
Salis Teguh Hartono
Anggota / Member
4/4
100%
4
Purwanto
Anggota / Member
4/4
100%
5
Harri Setiabudi
Anggota / Member
4/4
100%
6
Ketut Sanjaya
Anggota / Member
4/4
100%
7
Rara Ajeng Pambudi*
Anggota / Member
0/0
-
Keterangan: *) bergabung dengan Komite GCG sejak Februari 2015
Description: *) Working as GCG Committee since February 2015
Agenda Rapat Komite GCG
Meeting Agenda of GCG Commitee
Tanggal / Date
10 Januari 2014 / January 10, 2014
Agenda Rapat / Meeting Agenda
• Laporan pertanggungjawaban Komite GCG tahun 2013 / Accountability
report of GCG Committee year 2013
• Rencana Kerja Komite GCG tahun 2014 / Working Plan of GCG Committee
year 2014
5 Februari 2014 / February 5, 2014
Hasil audit internal tahun 2013 / Result of internal audit year 2013
21 Maret 2014 / March 21, 2014
Tata kelola perusahaan / Corporate Governance
4 April 2014
Evaluasi laporan pelaksanaan GCG tahun 2013 / Report evaluation of GCG
implementation year 2013
Annual Report 2014 | PT. BANK SINARMAS Tbk.
357
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
KOMITE-KOMITE DI
BAWAH DIREKSI
COMMITTEES UNDER BOARD
OF DIRECTORS
KOMITE-KOMITE DI BAWAH DEWAN DIREKSI /
COMMITTEES UNDER THE DIRECTORS
ASSET & LIABILITY
MANAGEMENT
COMMITTEE (ALCO)
/ ASSET &
LIABILITY
MANAGEMENT
COMMITTEE
(ALCO)
KOMITE KREDIT /
CREDIT
COMMITTEE
KOMITE
INFORMATION
TECHNOLOGY
/
INFORMATION
TECHNOLOGY
COMMITTEE
KOMITE
MANAJEMEN
RISIKO / RISK
MANAGEMEN
T COMMITTEE
KOMITE HUMAN
CAPITAL MANAGEMENT
(HCM)
/ HUMAN CAPITAL
MANAGEMENT
(HCM) COMMITTEE
ASSET & LIABILITY MANAGEMENT COMMITTEE
(ALCO)
ASSET & LIABILITY MANAGEMENT COMMITTEE
(ALCO)
ALCO adalah komite di bawah Direksi dengan misi mencapai
ALCO is a committee under Board of Directors with mission of
achieving company’s optimum profitability
level along with liquidity risk, interest rate risk, and controlled
tingkat profitabilitas Perseroan yang optimal serta risiko likuiditas,
risiko suku bunga, dan risiko valuta asing yang terkendali, melalui
penetapan kebijakan dan strategi aset dan pasiva Perseroan (assets
and liabilities management).
foreign exchange risk, through the determination of policies and
strategies upon assets and liabilities management
Fungsi Pokok ALCO antara lain:
ALCO main functions are as follows:
• Menetapkan suku bunga deposito, tabungan, dan giro.
• Determining deposits interest rate, saving, and giro.
• Menetapkan suku bunga pinjaman.
• Determining loan interest rate.
• Menetapkan strategis pendanaan dan investasi.
• Menetapkan strategi hedging apabila dipandang perlu
• Determining investment and funding strategy.
•
melakukan hedging.
Menetapkan limit yang berkaitan dengan risiko likuiditas,
risiko suku bunga, dan risiko valuta asing sesuai kebijakan
pengambilan risiko secara keseluruhan.
• Determining hedging strategy if needed.
•
Determining the related limit towards liquidity risk, interest rate
risk, and foreign exchange risk according to the overall risk
taken policies.
Wewenang Komite berada pada Rapat Komite yang sah dan
memiliki kekuatan penuh atas tanggung jawab Direksi. Komite
mempunyai wewenang untuk mengambil keputusan strategis di
bidang pengelolaan aset dan pasiva Perseroan (assets and liabilities
management) sejauh tidak melampaui wewenang Direksi, seperti:
Committee authorities belong to the lgal Committee Meeting and
hold an absolute authority on the responsibilities of Board of
Directors. Committee owns authorities to take strategic decisions
in company’s asset and liabilities management as long as it does not
exceed the authorities of Board of Directors, such as:
• Menetapkan suku bunga deposito, tabungan, dan giro.
• Determining deposits interest rate, saving, and giro.
• Menetapkan suku bunga pinjaman.
• Determining loan interest rate.
• Menetapkan strategi pendanaan dan investasi.
•
Menetapkan strategi hedging apabila dipandang perlu
• Determining investment and funding strategy.
•
melakukan hedging.
Menetapkan limit yang berkaitan dengan risiko likuiditas,
risiko suku bunga, dan risiko valuta asing sesuai kebijakan
pengambilan risiko secarakeseluruhan
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• Determining hedging strategy if needed.
• Determining the related limit towards liquidity risk,
interest rate risk, and foreign exchange risk according to the
overall risk taken policies.
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Selama 2014, ALCO telah menyelenggarakan 12 kali rapat yang
dipimpin oleh ketua yang seluruh hasil rapatnya diputuskan
berdasarkan musyawarah mufakat dan dituangkan secara tertulis ke
dalam risalah rapat serta didokumentasikan dengan baik guna
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
In 2014, ALCO held 4 (four) meetings chaired by the Head of
Committee in which the decision made by consensus agreement
and written-transformed in Minutes of Meeting, and welldocumented to provide recommendations to the Directors.
memberikan rekomendasi kepada Direksi.
ALCO Meeting Agenda
Agenda Rapat ALCO
Tanggal / Date
Agenda Rapat / Meeting Agenda
23 Januari 2014 / January 23, 2014
Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate
outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan
interest rate outlook.
24 Februari 2014 / February 24, 2014
Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate
outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan
interest rate outlook.
27 Maret 2014 / March 27, 2014
Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate
outlook./ Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan
interest rate outlook.
23 April 2014 / April 23, 2014
Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate
outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan
interest rate outlook.
21 Mei 2014 / May 21, 2014
Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate
outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan
interest rate outlook.
18 Juni 2014 / June 18, 2014
Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate
outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan
interest rate outlook.
22 Juli 2014 / July 22, 2014
Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate
outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan
interest rate outlook.
26 Agustus 2014 / August 26, 2014
Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate
outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan
interest rate outlook.
19 September 2014 / September 19, 2014
Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate
outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan
interest rate outlook.
22 Oktober 2014 / October 22, 2014
Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate
outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan
interest rate outlook.
19 November 2014 / November 19, 2014
Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate
outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan
interest rate outlook.
Desember 2014 / December 2014
Pembahasan asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan interest rate
outlook. / Discussion of asset, liability, liquidity, income structure, cost structure, pricing strategy, market dan
interest rate outlook.
KOMITE KREDIT KORPORASI
COMPANY’S CREDIT COMMITTEE
Berdasarkan Surat Keputusan No. SK 023/2014/DIR6CA tertanggal 26 November 2014 tentang Susunan dan Wewenang
Based on Decree No. 023/2014/DIR6-CA dated November 26,
Memutus Untuk Komite Kredit Corporate, diatur ketentuan
pemberian dan pemutusan fasilitas, seperti :
2014 regarding the Structure and Authorities of Bank Sinarmas
Credit Committee, the provision and determination are as follows:
• New credit, both new and existing, cash and non-cash
• Kredit baik baru maupun existing, tunai dan non-tunai
• Money Market Line
• Money Market Line
• Forex Line
• Back to Back
• Forex Line
• Back to Back
Annual Report 2014 | PT. BANK SINARMAS Tbk.
359
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Selama 2014, Komite kredit tidak menyelengarakan rapat secara
fisik, namun seluruh pengambilan keputusan dilakukan secara
sirkuler.
During 2014, Credit Committee did not hold meeting in person, but
decision-making is conducted circularly.
KOMITE INFORMATION TECHNOLOGY
INFORMATION TECHNOLOGY COMMITTEE
Komite ini dibentuk untuk memastikan penerapan sistem teknologi
informasi sinergi dengan strategi Perseroan. Komite IT bertujuan
The committee is established to ensure the information
technology system implementation is in line with Company’s
strategies. Information technology committee is designated to
improve the excellency of Company’s competitiveness through
accurate information technology utilization. Based on Decree
SK No.036/2013/PRESDIR-IT on September 2,
untuk meningkatkan keunggulan bersaing Perseroan melalui
pemanfaatan teknologi informasi yang tepat guna. Berdasarkan SK
No. 036/2013/PRESDIR-IT tanggal 2 September
2013, tugas dan tanggung jawab Komite IT antara lain:
2013, the duties and responsibilities of IT Committee, are as
•
Memantau, mempelajari, dan mengevaluasi secara terus
menerus perkembangan teknologi sistem informasi dan
meminimalkan risiko atas investasi Perseroan pada sektor
teknologi informasi.
• Secara strategis mengevaluasi aspek penyelenggaraan teknologi
•
sistem informasi Perseroan termasuk pemantauan, penilaian,
peningkatan terhadap kinerja operasionalnya.
Mengambil langkah-langkah yang dianggap perlu untuk
•
pengembangan, perbaikan, dan kebijakan serta mengambil
keputusan-keputusan yang berkaitan dengan teknologi sistem
informasi.
Melakukan evaluasi dan menyetujui pengadaan perangkat
•
lunak dan perangkat keras.
Melakukan upaya penyelesaian berbagai masalah terkait
teknologi informasi, yang tidak dapat diselesaikan oleh satuan
kerja pengguna dan penyelenggara, secara efektif, efisien, dan
•
follows:
Monitorng, analyzing and evaluating continuously the
•
developments of information technology systems and
minimizing the risk of the bank investment in Information
Technology sector.
Strategically evaluating aspects of the implementation of
the Bank IT systems including monitoring, assessing,
improving its operational performance.
•
Taking necessary steps for development, improvement and
policies as well as making decisions related to information
technology systems.
• Evaluating and approving procurements of software and
hardware
•
Undertaking effective, efficient and timely efforts to resolve
various issues related to information technology, which cannot
be resolved by users and providers
tepat waktu.
Selama 2014, Komite IT telah menyelenggarakan rapat sebanyak
5 kali yang dipimpin oleh ketua yang seluruh hasil rapatnya
diputuskan berdasarkan musyawarah mufakat dan dituangkan
secara tertulis ke dalam risalah rapat serta didokumentasikan
dengan baik guna memberikan rekomendasi kepada Direksi.
In 2014, IT Committee held 5 (five) meetings chaired by the
Head of Committee in which the decision made by consensus
agreement and written-transformed in Minutes of Meeting, and
well-documented to provide recommendations to the Directors.
IT Comittee Meeting Agenda
Agenda Rapat Komite IT
Tanggal / Date
Agenda Rapat / Meeting Agenda
30 April 2014 / April 30, 2014
• IT Strategic Plan
• Network Issue
• Server & Storage Capacity Usage
14 Mei 2014 / May 14, 2014
• Presentasi IT Strategic Plan 2014-2018 / Presentation of IT Strategic Plan 2014-2018
• Presentasi Penawaran Pendampingan PMO &IT Governance Project / Presentation of
Appointment Offering of PMO &IT Governance Project
• Capacity Planning
360
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Tanggal / Date
12 Juni 2014 / June 12, 2014
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Agenda Rapat / Meeting Agenda
• Project Card Switching Replacement
• Presentasi Enterprise Datawarehouse & Business Intelligance / Presentation of
Enterprise Datawarehouse & Business Intelligance
27 Agustus 2014 / August 27, 2014 • Progress Capacity Planning
• Project Enterprise Data warehouse & Business Intelligance
• Waktu Pelaksanaan Proses COB / Time of COB Process
19 November 2014 / November 19,
2014
• EDW/BI
• Realtime Transaction Date
• Testing DRP (Switchover DC-DRC)
KOMITE MANAJEMEN RISIKO
RISK MANAGEMENT COMMITTEE
Komite Manajemen Risko merupakan komite yang berada di
Risk Management Committee is a committee in position on
tingkat eksekutif, yang bertanggung jawab melakukan evaluasi
terhadap laporan profil risiko, mengevaluasi metodologi
risiko serta menentukan strategi untuk memitigasi dan
mengendalikan risiko-risiko tertentu.
executive level, responsible to conduct evaluation towards risk
profiles report, evaluates risk methodology and determines strategy
to mitigate and control certain risks.
Berdasarkan Surat Keputusan No. SK.015/2013/PRESDIRCorpSec tanggal 17 April 2013 tentang Perubahan Susunan,
Wewenang dan Tanggung Jawab Komite Manajemen Risiko,
wewenang dan tanggung jawabnya adalah melakukan evaluasi dan
memberikan rekomendasi kepada Direktur Utama terkait
Manajemen Risiko yang paling kurang meliputi:
• Penyusunan
kebijakan
manajemen
risiko
serta
Based on Decree No. 015/2013/PRESDIR-CorpSec dated April
17, 2013, the duties and responsibilities of Risk Management
Committee is to provide recommendations to President Director
related to Risk Management at least including:
•
perubahannya, termasuk tingkat risiko yang diambil, toleransi
•
risiko, strategi manajemen risiko dan contingency plan apabila
terjadi kondisi eksternal tidak normal terjadi. Penyusunan
dimaksud dilakukan bersama-sama dengan pimpinan satuan
kerja operasional dan pimpinan Satuan Kerja Manajemen
Risiko (SKMR).
Perbaikan atau penyempurnaan penerapan manajemen risiko
•
Completion of the Risk Management process periodically and
incidental as a result of a change in the Bank external and
internal conditions affecting the Bank’s capital adequacy, risk
profile, and evaluation result upon the affectivity of the
application.
•
Determination of policies and/or business decisions deviating
from normal procedures (irregularities), such as decision that
exceeds significant business expansion compared to business
plan determined previously or position/exposure- making that
exceeds the determined limitation.
yang dilakukan secara berkala maupun bersifat insidentil
sebagai akibat dari suatu perubahan kondisi eksternal dan
internal Bank yang mempengaruhi kecukupan permodalan dan
profil risiko Bank dan hasil evaluasi terhadap efektifitas
•
penerapan tersebut.
Penetapan (justification) atas hal-hal yang terkait dengan
keputusan-keputusan bisnis yang menyimpang dari prosedur
normal
(irregularities),
seperti
keputusan
pelampauan ekspansi usaha yang signifikan dibandingkan
dengan rencana bisnis Bank yang telah ditetapkan sebelumnya
atau pengambilan posisi/eksposur risiko yang melampaui limit
yang telah ditetapkan.
Selama 2014, Komite Manajemen Risiko telah menyelenggarakan
rapat sebanyak 4 (emapat) kali yang dipimpin oleh ketua yang
seluruh hasil rapatnya diputuskan berdasarkan musyawarah
Formation of Risk Management policy and its changes,
including the Risk Management strategy, the level of risk taken
and risk tolerance, Risk Management frameworks as well as
contingency plans to anticipate abnormal conditions. The
formation is purposed to be conducted altogether with
operational work unit leaders and SKMR leaders.
In 2014, Risk Management Committee held 4 (four) meetings
chaired by the Head of Committee in which the decision made by
consensus agreement and written-transformed in Minutes of
Annual Report 2014 | PT. BANK SINARMAS Tbk.
361
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
GROUP HEAD
Credit Risk Audit
Division Head
Operational Risk Audit & Special
Case Division Head
Operational Risk Audit &
Special Case Department
Head
Operation Risk Audit &
Special Case Section
Head
Branches Coordinator
Credit Risk Audit
Department Head
Department Head
Branches
Branches
Branches
Coordinator
Section Head
(Regional 1)
Coordinator
Section Head
(Regional 4)
Coordinator
Section Head
(Regional 5)
Brenches Coordinator
Department Head
Credit Risk Audit
Section Head
Branches
Branches
Branches
Coordinator
Section Head
(Regional 8)
Coordinator
Section Head
(Regional 11)
Coordinator
Section Head
(Regional 12)
Head Office
Branch
Branch
Branch
Head Office
Branch
Branch
Branch
Auditor
Auditor
Auditor
Auditor
Auditor
Auditor
Auditor
Auditor
mufakat dan dituangkan secara tertulis ke dalam risalah
rapat serta didokumentasikan dengan baik guna memberikan
rekomendasi kepada Direksi.
Meeting, and well-documented to provide recommendations to
the Directors.
Agenda Rapat Komite Manajemen Risiko
Risk Management Committee Meeting Agenda
Tanggal
Agenda Rapat
21 Januari 2014 / January 21, 2014
• Penilaian Profil Risiko Triwulan IV/2013 / Assessment of Risk Profile Quarter IV/2013
17 April 2014 / April 17, 2014
• Penilaian Profil Risiko Triwulan I/2014 / Assessment of Risk Profile Quarter I/2014
21 Juli 2014 / July 21, 2014
• Penilaian Tingkat Kesehatan Bank Semester I/20 / Assessment of Bank Health Level
Semester I/20
• 14 serta Profil Risiko Triwulan II/2014 / 14 serta Profil Risiko Triwulan II/2014
20 Oktober 2014 / October 20,
2014
• Penilaian Profil Risiko Triwulan III/2014 / Assessment of Risk Profile Quarter III/2014
KOMITE HUMAN CAPITAL MANAGEMENT
(HCM)
HUMAN
(HCM)
Dasar pembentukan Komite Human Capital Management adalah
The foundation of HCM Committee establishment is based on
berdasarkan Surat Keputusan Direksi No. SK.961/2013/ DIR6HCM tanggal 13 Juni 2013 tentang Susunan dan Wewenang
Human Capital Committee, yang diketuai oleh Direktur Utama.
Tugas dan tanggung jawab Komite HCM adalah memutuskan
promosi, mutasi, demosi, untuk karyawan dengan jabatan setara
Departement Head atau jabatan yang lebih tinggi.
Directors Decree No.SK.961/2013/DIR6-HCM dated June 13,
Selama 2014, Komite HCM tidak menyelenggarakan rapat secara
fisik namun seluruh pengambilan keputusan dilakukan secara
sirkuler.
362
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
CAPITAL MANAGEMENT
COMMITTEE
2013 regarding the Composition and Authorities of Human Capital
Committee, chaired by President Director. The duties and
responsibilities of HCM Committee are to determine promotion,
mutation, demotion, for employees in equal position to Head
Department and above.
During 2014, HCM Committee did not hold meetings in person, but
decision-making was conducted circularly.
Kilas Kinerja 2014
Flashback Performance of 2014
Profil Perusahaan
Company Profile
Laporan Manajemen
Report of Management
Treasury & International Banking
APMK, E-channel & IT Risk Audit
Risk Audit Division Head
Division Head
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Treasuy & Int'l Banking
Branches Coordinator
APMK, E-channel & IT
Branches Coordinator
Risk Audit Department
Head
Department Head
Risk Audit Department
Head
Department Head
Treasuy & Int'l Banking
Risk Audit Section Head
Branches
Branches
Branches
Coordinator
Section Head
Coordinator
Section Head
Coordinator
Section Head
(Regional 3)
(Regional 7)
(Regional 10)
Syariah
Section Head
APMK, E-channel & IT
Risk Audit Section
Head
Audit Development
& Quality Assurance
Department Head
Branches
Branches
Branches
Audit Development
Coordinator
Section Head
Coordinator
Section Head
Coordinator
Section Head
Quality Assurance
Section Head
(Regional 2)
(Regional 6)
(Regional 9)
Head Office
Branch
Branch
Branch
Branch
Head Office
Branch
Branch
Branch
Head Office
Auditor
Auditor
Auditor
Auditor
Auditor
Auditor
Auditor
Auditor
Auditor
Auditor
SATUAN KERJA AUDIT
INTERNAL (SKAI)
INTERNAL AUDIT WORK
UNIT (SKAI)
SATUAN KERJA AUDIT INTERNAL BANK
INTERNAL AUDIT WORK UNIT
Satuan Kerja Audit Internal (SKAI) adalah fungsi independen yang
bertanggung jawab langsung kepada Direktur Utama dan
Internal Audit Unit (SKAI) is an independent function that reports
directly to the Managing Director and Board of Commissioners
Dewan Komisaris melalui Komite Audit. SKAI berfungsi
memberikan assurance dan berperan sebagai strategic business
partner bagi semua tingkatan manajemen guna mendorong
pencapaian tujuan dan sasaran bank dengan melakukan evaluasi
berdasarkan risk based audit secara independen dan objektif, serta
jasa konsultasi bagi pihak intern bank.
through the Audit Committee. Internal Audit function is to provide
assurance and serve as a strategic business partner for all levels of
management in order to encourage the achievement of the goals
and objectives of the bank to evaluate risk based audit
independently and objectively, as well as consulting services for
the internal bank.
Struktur Organisasi dan SDM SKAI
Organization Structure and HR
SKAI dipimpin oleh Darwanti Juliastuti Haryo. Kepala SKAI
diangkat dan diberhentikan oleh Direktur Utama dengan
persetujuan Dewan Komisaris/Komite Audit dan dilaporkan
kepada regulator.
Internal Audit (Internal Audit) led by Darwanti Juliastuti Haryo.
Head of Internal Audit is appointed and dismissed by the Managing
Director with the approval DewanKomisaris / Audit Committee
and reported to the regulator.
Struktur organisasi SKAI Bank Sinarmas dapat dilihat pada bagan
di atas ini.
Sinarmas Bank Internal Audit organizational structure can be seen
in the above chart:
Untuk mendukung independensi dan menjamin kelancaran audit
serta wewenang dalam memantau tindak lanjut, maka Kepala
In order to support the independency and ensure the smooth audit
process, as well as the authority to monitor the follow-up action,
Internal Audit dapat berkomunikasi langsung dengan Dewan
Komisaris atau Komite Audit untuk menginformasikan berbagai
hal yang berhubungan dengan audit. Oleh sebab itu, SKAI telah
mendapat dukungan dari Manajemen dan Dewan
the Head of Internal Audit can directly communicate with the
Board of Commissioners or Audit Committee to inform various
matters related to audit. Therefore, Internal Audit has gained
support from the Management and the
Annual Report 2014 | PT. BANK SINARMAS Tbk.
363
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
melakukan pekerjaannya.
Board of Commissioners, thus the Internal Audit does not face
disruption in conducting its activity.
Profil Darwanti Juliastuti Haryo - Ketua Audit Internal
Profile of Darwanti Juliastuti Haryo - Head of Internal
Komisaris sehingga SKAI tidak mendapat hambatan dalam
Audit
Darwanti Juliastuti
Warga Negara Indonesia, 45 tahun.
Menjabat sebagai Kepala Audit Internal
sejak 1 Januari 2011 sebagaimana Surat
Keputusan PT. Bank Sinarmas Tbk.
Nomor
SK.012/2011/PRESDIR- HRM
tanggal 28 Desember 2010 dan telah
dilaporkan kepada Bank Indonesia dengan
surat No.SKL.002/2011/PRESDIR-
Indonesian Citizen, 45 years old. She served
as head of Internal Audit since January 1,
2011 pursuant to Decree of PT. Bank
Sinarmas
Tbk.
No.
SK.012/2011/
PRESDIR-HRM dated December 28,
2010 and reported to Bank Indonesia with
letter
No.
SKL.002/2011/PRESDIRCorpSec dated January 3, 2011.
CorpSec tanggal 3 Januari 2011.
Mengawali karir di Bank Sinarmas mulai 2004 sebagai Divison
Head Satuan Kerja Audit Internal (SKAI) hingga September
2005, kemudian dilanjutkan sebagai Kepala Grup (Group
Head) Satuan Kerja Manajemen Risiko sejak Oktober 2005 hingga
Desember 2010. Meraih gelar Sarjana Ekonomi dari Fakultas
Ekonomi Universitas Indonesia jurusan Akuntansi pada
1994 dan Magister Manajemen jurusan Manajemen Risiko pada
2007 dari Universitas Indonesia, serta memiliki sertifikasi BSMR
Level 5. Selain pendidikan formal, Beliau juga mengikuti
sejumlah pelatihan dan seminar diantaranya, Konferensi Ikatan
Auditor Intern Bank (IAIB) di Belitung 2014, Business Continuity
Management Training Program di Jakarta pada 2014.
In 2004, she started her career at Bank Sinarmas as Division Head
of Internal Audit Work Unit (SKAI) until September 2005 prior to
be appointed as Group Head of Risk Management Work Unit from
October 2005 up to December 2010. She obtained Bachelor of
Economics degree from Faculty of Economics, Accounting major
in 1994 and Master of Management, Risk Management major in
2007 from University of Indonesia, as well as having BSMR Level
5 certification. In addition to formal education, she attended
trainings and seminars such as Bank Internal Auditor Association
(IAIB) Conference 2014 in Belitung and Business Continuity
Management Training Program 2014 in Jakarta.
The number and qualification of internal audit personnel as of
Jumlah dan kualifikasi jabatan personil audit internal per posisi
December 31, 2014 are in the following table:
31 Desember 2014, dapat dilihat pada tabel berikut:
No
Keterangan / Description
S2
S1
Jumlah / Number
1
Kepala SKAI / Head of SKAI
1
-
1
2
Kepala Divisi / Division Head
-
4
4
3
Kepala Departemen / Department Head
-
8
8
4
Kepala Seksi / Section Head
-
12
12
5
Auditor / Auditor
6
130
136
7
154
161
Jumlah / Total
364
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Sertifikasi
Untuk meningkatkan profesionalisme dan kompetensi secara
berkesinambungan, SKAI telah melaksanakan serangkaian
program pelatihan teknis dan sertifikasi profesi bagi para auditor,
termasuk pelatihan soft-skills. Adapun sertifikasi profesi yang telah
diikuti oleh SKAI adalah Sertifikasi Manajemen Risiko level 1
sampai level 5 sebanyak 25 orang.
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Certification
In order to improve the professionalism and competence on an
ongoing basis, Internal Audit has implemented a series of
technical training programs and professional certification for
auditors, including soft-skills training. The professional
certification that has been followed by the Internal Audit Unit is
Risk Management Certification level 1 to level 5 of 25 people.
Kedudukan dan Hubungan SKAI dalam Organisasi
SKAI harus mendapat dukungan dari manajemen dan Dewan
Komisaris agar para auditor dapat memeroleh kerja sama dari
SKAI Position and Relationship In Organization
auditee dan melakukan pekerjaan tanpa hambatan. Kedudukan
SKAI dalam organisasi Bank Sinarmas adalah sebagai berikut:
of the auditee and do the job without a hitch. Position Internal
Internal Audit Unit shall have the support of management and the
Board of Commissioners that the auditor can obtain the cooperation
Audit in Banks Sinarmas organization are as follows:
BOARD OF COMMISSIONERS
AUDIT COMMITTEE
PRESIDENT DIRECTOR
COMPLIANCE DIRECTOR
SKAI GROUP HEAD
Tugas dan Tanggung Jawab SKAI
Berdasarkan Peraturan Bank Indonesia No. 1/6/PBI/1999 tentang
Penugasan Direktur Kepatuhan (Compliance Director) dan
Penerapan Standar Pelaksanaan Fungsi Audit Intern Bank Umum
(SPFAIB), tugas dan tanggung jawab SKAI adalah sebagai berikut:
•
Pursuant to Bank Indonesia Regulation No. 1/6/PBI/1999 on the
Assignment of Compliance Director and Internal Audit Function
Implementation Standards for Public Bank (SPFAIB), SKAI has
the following duties and responsibilities:
SKAI bertugas dan bertanggung jawab untuk membantu tugas
Direktur Utama dan Dewan Komisaris dalam melakukan
pengawasan dengan cara menjabarkan secara operasional baik
perencanaan, pelaksanaan, maupun pemantauan hasil audit.
• Melakukan analisis dan penilaian di bidang keuangan, akuntansi,
•
Duties and Responsibilities
operasional dan kegiatan lainnya melalui pemeriksaan secara
langsung (on-site) dan pemantauan secara tidak langsung (offsite).
Mengindentifikasi segala kemungkinan untuk memperbaiki dan
•
•
SKAI is responsible to support the tasks of Managing
Director and Board of Commissioners in supervising planning,
implementation, and audit result monitoring with operational
descriptions;
Analyze and assess financial, accounting, operational and
other activity fields through onsite and off-site investigations;
meningkatkan efesiensi penggunaan sumber daya dan dana.
•
Identify all possibilities to recover and improve the efficiency of
resources and fund utilization;
Annual Report 2014 | PT. BANK SINARMAS Tbk.
365
•
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Memberikan informasi dan saran perbaikan yang objektif
tentang kegiatan yang direview kepada semua tingkatan
• Provide information and objective recovery advice over
reviewed activities to all management levels.
manajemen.
Hubungan SKAI dengan Unit-Unit Lain
Unit
Relationship with Other Units
Keterangan / Description
Dewan Komisaris
/ Board of
Commissioners
SKAI memiliki hubungan langsung dengan Dewan Komisaris atau melalui Komite Audit yang diketuai Komisaris
Independen. Tanggung jawab akhir pengawasan ada pada Dewan Komisaris. Dalam hubungan ini, Dewan Komisaris
berwenang untuk meminta Direksi menindaklanjuti hasil temuan pemeriksaan SKAI. / The Internal Audit Work Unit has
direct connection to the Board of Commissioners or through the Audit Committee chaired by an Independent Commissioner.
The Board of Commissioners is in charge of final supervisory. In this relation, the Board of Commissioners is responsible to ask
Directors to follow up findings of the Internal Audit Work Unit.
Direktur Utama /
President Director
Kepala SKAI bertanggung jawab langsung kepada Direktur Utama. SKAI menyampaikan laporannya kepada Direktur
Utama dan Dewan Komisaris/Komite Audit dengan tembusan kepada Direktur Kepatuhan. / The head of the Internal Audit
Work Unit is directly responsible to the President Director. The Internal Audit Work Unit submits its report to the President
Director and the Board of Commissioners/Audit Committee with a copy forwarded to the Compliance Director.
Komite Audit / Audit
Committee
Direktur Kepatuhan /
Compliance Director
SKAI setiap saat dapat berkomunikasi dan memiliki akses yang tidak terbatas kepada Komite Audit untuk
menginformasikan berbagai hal yang berhubungan dengan hasil audit. Komite Audit akan melakukan evaluasi apakah
rekomendasi perbaikan yang disampaikan oleh SKAI telah ditindaklanjuti oleh manajemen. Informasi ini harus disampaikan
kepada Direktur Utama./ The Internal Audit Work Unit is able to communicate at any time and has no limit access to the
Audit Committee to submit information related to auditing results. The Audit Committee will further evaluate whether the
Internal Audit Work Unit’s recommendation for improvement has been followed-up by the management. The information
must be submitted to the President Director.
Laporan audit yang disampaikan SKAI kepada Direktur Utama dan Dewan Komisaris/Komite Audit, diberikan tembusannya
kepada Direktur Kepatuhan antara lain dimaksudkan untuk dijadikan sebagai informasi dalam rangka penyempurnaan
prosedur kepatuhan yang ada di setiap unit kerja. / The Compliance Director receives a forwarded copy of the Audit report
submitted by the Internal Audit Work Unit to the President Director and the Board of Commissioners/Audit Committee, and
uses it as information to improve compliance procedures existing in each work unit.
Auditee / Auditee
Auditee berkewajiban untuk bersikap kooperatif demi kelancaran tugas SKAI, dan segera menindaklanjuti hasil temuan
pemeriksaan SKAI serta memberikan komitmen untuk melakukan perbaikan dalam batas waktu tertentu. Dalam hal auditee
tidak bersikap kooperatif dan tidak melakukan tindak lanjut perbaikan sesuai dengan komitmen yang telah disepakati, akan
diberikan sanksi sesuai dengan peraturan perusahaan yang berlaku. / The Auditee has to be cooperative to support duties of
the Internal Audit Work Unit and to follow-up audit findings as well as committed to carry out improvement in a certain
frame of time. Should the Auditee is not co-operative or a follow-up audit finding as it was approved, there will be sanctions
suiting the existing company’s regulation.
Auditor Eksternal /
External Auditor
SKAI bertanggung jawab untuk mengkoordinasikan kegiatannya dengan kegiatan Auditor Ekstern sehingga tercipta kerja
sama yang saling mengisi dengan maksud agar kegiatan audit masing-masing pihak dapat terselenggara secara efisien dengan
cakupan audit yang optimal. / The Internal Audit Work Unit is responsible to coordinate its activity to the activity of the
External Auditor to create synergy, so that auditing activities of the respective party can be optimized and efficient.
Independensi SKAI
SKAI Independency
Berdasarkan Piagam Audit Internal yang ditetapkan pada 8
Based on the Act of Internal Audit published in January 8th,
Januari 2013, independensi SKAI adalah sebagai berikut:
2013, the Internal Audit Work Unit’s Independency is as follows:
• SKAI tidak boleh memiliki kepentingan atas objek atau kegiatan
yang diaudit.
• SKAI tidak boleh mempunyai wewenang atau tanggung jawab
• Internal Audit Work Unit must not own personal
•
untuk melaksanakan kegiatan-kegiatan operasional dari
auditee.
SKAI harus menahan diri dari menilai kegiatan yang
sebelumnya menjadi tanggung jawabnya.
366
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
• interest upon audited materials or activities.
•
Internal Audit Work Unit must not own authority or
responsibility to conduct operational activities from the auditee.
• Internal Audit Work Unit restrains every assessment under
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
• Auditor intern yang pernah terlibat aktif dalam pengembangan
sistem (in the system development life cycle) harus menahan diri
dari audit terhadap sistem tersebut.
•
Auditor intern tidak melakukan penugasan audit dalam tiga
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
his previous responsibilities.
• Actively-involved internal auditor in the system development life
cycle restrains from current audit on the system.
•
Internal auditor do not conduct audit assignation in three
tahun berturut-turut terhadap auditee yang sama.
Realisasi Audit Plan 2014
Sesuai dengan Rencana Kerja SKAI pada 2014, SKAI telah
Profil Perusahaan
Company Profile
executive years to the same auditee.
melaksanakan program kerja sebagai berikut :
Audit Plan 2014 Realization
Pursuant to SKAI Work Plan in 2014, SKAI conducted the
following work program:
1. 41 Kantor Cabang dan 23 Divisi/Unit Kerja dilakukan
pemeriksaan tahunan
1. Annual examination on 41 Branch Offices and 23 Work
Divisions/Units
2. Surprise audit pada 13 kantor Bank Sinarmas
3. On the spot audit pada 123 kantor Bank Sinarmas
2. Surprise audit at 13 offices
3. On-the-spot audit at 123 offices
4. Kaji ulang oleh pihak ekstern yaitu KAP Sriyadi Elly & Rekan
4. Review by external party, namely Public Accounting Firm
pada Mei 2014
Atas pemeriksaan yang telah dilakukan SKAI selama 2014,
tindaklanjutnya antara lain :
1. Merekomendasikan kepada Manajemen untuk melakukan
(KAP) Sriyadi Elly & Rekan on May 2014
Several follow-ups were generated from the examination,
namely:
1. Provide recommendations to Management in implementing
socialization and education to improve the officers’
understanding towards work units work flow, existing
regulations, to each possibility of risk arising in every task and
responsibility of work units.
sosialisasi maupun
edukasi
untuk
meningkatkan
pemahaman petugas terhadap alur kerja unit kerja, ketentuan
yang ada, hingga setiap kemungkinan risiko yang terjadi pada
setiap tugas dan tanggung jawab unit kerja.
2. Menyampaikan
laporan
hasil
pemeriksaan
kepada
Manajemen dalam bentuk laporan Excecutive Summary dan
laporan triwulan.
3. Aktif melakukan monitoring atas tindak lanjut dari
2. Deliver investigation result report to Management in the form of
Executive Summary and quarterly report.
rekomendasi hasil pemeriksaan.
4. Melakukan Refreshment Sistem Pengendalian Intern (SPI) guna
3.
meningkatan budaya kehati-hatian di semua unit kerja.
Active monitoring on the recommendation of investigation
result follow-up.
4. Conduct Internal Control System Refreshment to enhance
awareness culture in all work units.
Laporan Pelaksanaan Kerja SKAI
Berikut adalah laporan pelaksanaan kerja SKAI selama 2014:
1. Membuat dan menyampaikan laporan progress dan hasil
pencapaian Rencana Kerja Tahunan, serta kecukupan sumber
daya kepada Direktur Utama dan Komite Audit secara berkala.
2. Membuat dan menyampaikan laporan pelaksanaan dan
pokok-pokok hasil audit intern kepada OJK secara semesteran
setelah mendapat persetujuan dari Direktur Utama dan Direktur
Kepatuhan.
3. Laporan hasil kaji ulang pihak eksternal yang memuat pendapat
tentang hasil kerja SKAI dan kepatuhannya terhadap SPFAIB
serta perbaikan yang mungkin dilakukan.
SKAI Performance Report
The performance report of SKAI in 2014 is as follows:
1.
Regularly compose and deliver progress and achievement
result on Annual Workplan report, also human resources
adequacy to Managing Director and Audit Committee.
2. Compose and deliver implementation and internal audit result in
semester report after having the approval from Managing
Director and Compliance Director.
3.
Compose review report of external party which consists of
opinion on SKAI performance and compliance with SPFAIB
and possible improvement.
Annual Report 2014 | PT. BANK SINARMAS Tbk.
367
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Rencana Kerja SKAI 2015
SKAI telah menyusun rencana kerja yang telah disetujui oleh
Direktur Utama, yaitu sebagai berikut:
1. Audit tahunan pada Kantor Cabang baik Konvensional dan
SKAI Work Plan in 2015
The work plan composed by SKAI has been approved by
Managing Director and consists of the following points:
1.
Syariah, serta Divisi/Unit Kerja.
2.
3.
Annual audit at Conventional and Sharia Branch Offices
and at Work Divisions/Units.
Pemeriksaan secara Surprise Audit dan On The Spot Audit
pada kantor-kantor Bank Sinarmas yang tidak termasuk pada
2. Conduct Surprise Audit and On-The-Spot Audit at Bank
Sinarmas offices.
jadwal audit tahunan.
Peningkatan kualitas audit dimulai dari proses pemeriksaan
3. Audit quality improvement from integrated examination at the
yang terintegrasi dari awal persiapan sampai dengan
pembuatan Laporan Hasil Pemeriksaan dan tindaklanjut hasil
pemeriksaan (SLA).
4. Meningkatkan
dan
menjaga
aspek
kuantitas
dan
kualitas auditor melalui program pelatihan dan sertifikasi
berkelanjutan.
beginning up to the composing of Examination Report and
follow-ups (SLA).
4.
Improve and maintain auditor’s quantity and quality through
training and certification.
SISTEM PENGENDALIAN INTERNAL (SPI)
INTERNAL SUPERVISION SYSTEM
Dalam rangka pengelolaan Bank secara efektif dan efesien, serta
sebagai dasar kegiatan operasional yang sehat dan aman, Bank
In order to manage the Bank effectively and efficiently, as well as
telah menerapkan suatu Sistem Pengendalian Internal (SPI).
Keberadaan SKAI bertanggung jawab untuk membantu
menajemen Bank memastikan bahwa penerapkan internal control
cukup memadai dan telah berjalan sebagaimana mestinya.
basic operations are healthy and safe, the Bank has adopted an
Internal Supervision System (SPI). SKAI is responsible for helping
to apply the management of the Bank to ensure that adequate
internal controls and has been working as it should.
Pengendalian internal merupakan proses yang diajukan oleh
Dewan Direksi, Manajemen, dan personil bank secara
berkesinambungan (on going basis) dalam rangka memberikan
keyakinan yang memadai guna:
Internal control is a process that is proposed by the Board of
Directors, Management, and bank personnel on an ongoing basis in
order to provide reasonable assurance to:
• Menjaga dan mengamankan harta kekayaan Bank
• Menjamin tersedianya laporan yang lebih akurat dan tepat
waktu
• Maintain and secure Bank’s wealth
• Assure on the availability of a more accurate and timely
• Meningkatkan kepatuhan terhadap ketentuan yang
report
berlaku, baik ketentuan internal maupun eksternal
•
Mengurangi dampak keuangan/kerugian, penyimpangan
• Improve compliance towards prevailing regulations, both
termasuk kecurangan fraud, dan pelanggaran aspek kehatihatian
• Reduce the financial/loss impacts and violations, including
• Meningkatkan efektivitas organisasi dan meningkatkan
efisiensi biaya.
368
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
internal and external circumstances.
fraud cases, and awareness aspect violations.
• Improve organizational effectiveness and cost efficiency.
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Pedoman Umum Sistem Pengendalian Internal
Dalam rangka menerapkan Sistem Pengendalian Internal yang
menyeluruh secara efektif dan efisien, sebagaimana telah diatur
dalam Peraturan Bank Indonesia nomor 5/8/PBI/2003 tanggal 19
Mei 2003 tentang Penerapan Manajemen Risiko Bagi Bank
Umum dan PBI No. 11/25/PBI/2009 tanggal 1 Juli
2009 (Perubahan atas PBI No. 5/8/PBI/2003) tentang Penerapan
Manajemen Risiko bagi Bank Umum, Bank Indonesia juga
menerbitkan ketentuan dalam SE No. 5/22/DPNP tanggal 29
Desember 2003 perihal Pedoman Standar Sistem Pengendalian
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Internal Supervision System Guideline
In order to carry out an Internal Controlling System effectively and
efficiently as regulated by Bank Indonesia Regulation No.
5/8/PBI/2003 dated May 19, 2003 on the Implementation of Risk
Management for Commercial Bank and PBI No. 11/25/PBI/2009
dated July 1, 2009 - amendment of PBI No.5/8/PBI/2003 on the
Implementation of Risk Management for Commercial Bank,
Bank Indonesia also issued Circulating Letter No. 5/22/ DPNP
dated December 29, 2003 on Standard Guidelines for the
Intern bagi Bank Umum yang mewajibkan setiap Bank umum
menyusun Pedoman SPI yang sekurang-kurangnya mencakup 5
(lima) elemen pokok, yaitu:
Internal Controlling System for Commercial Bank, which obliges
every commercial bank to set their own Guidelines on the Internal
Controlling System consisting at least 5 (five) core elements such
as:
1. Pengawasan oleh Manajemen dan kultur pengendalian
1. Management Oversight and Control Culture
2. Indentifikasi dan penilaian risiko
2. Risk Recognition and Assessment
3. Kegiatan pengendalian dan pemisahan fungsi
3. Control Activities and Segregation of Duties
4. Sistem Akuntansi, informasi, dan komunikasi
4. Accounting system, information and communication
5. Kegiatan pemantauan dan tindakan koreksi penyimpangan/
5. Monitoring activities and correcting deficiencies
kelemahan.
Bank Sinarmas kemudian menetapkan kelima poin di atas dalam
pedoman yang telah ditetapkan oleh Komisaris dan Direksi dalam
Surat Keputusan No.0020001.095 tanggal 15
Desember 2004 perihal Pedoman Sistem Pengendalian Internal.
Pedoman tersebut menjadi acuan bagi seluruh jajaran Bank dalam
melakukan aktivitas operasional sehari-hari.
SATUAN KERJA
MANAJEMEN RISIKO
(SKMR)
Bank memiliki Satuan Kerja Manajemen Risiko (SKMR) yang
merupakan satuan kerja yang independen terhadap satuan kerja
operasional (risk taking unit) seperti operasional, treasury, kredit,
akunting dan terhadap satuan kerja yang melaksanakan
pengendalian internal.
Pada posisi Desember 2014, SKMR terdiri atas dua divisi yaitu
Divisi Credit & Operational Risk dan Divisi Market, Liquidity &
Enterprise Risk Management dengan total jumlah karyawan
sebanyak 17 orang. Saat ini SKMR di bawah rentang kendali
Direktorat Manajemen Risiko yang dipimpin oleh Direktur
Manajemen Risiko.
Bank Sinarmas has stipulated the points into the guidelines, which
are set forth by the Commissioners and Directors on Decree
No.0020001.095 dated December 15, 2004 on Guidelines of
Internal Controlling System. All the Bank’s units refer to the
mentioned guidelines to carry out daily activities.
RISK MANAGEMENT WORK
UNIT (SKMR)
The Bank has a Risk Management Work Unit (SKMR), a unit
independent from the risk-taking units such as operational, treasury
and investment, credit, finance, accounting, and from Internal
Audit Work Unit.
In the position in December 2014, SKMR consists of two divisions,
namely Division of Credit and Operational Risk and Market
Division, Liquidity Risk and Anti-Fraud Monitoring the total
number of employees by 17 people. Currently SKMR under control
range Risk Management Directorate headed by the Director of Risk
Management.
Annual Report 2014 | PT. BANK SINARMAS Tbk.
369
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Struktur SKMR
SKMR Structure
RISK MANAGEMENT
DIRECTOR
RISK MANAGEMENT
GROUP HEAD
Credit & Operational Risk
Management Division
Head
Credit Risk Management
Department Head
Policy & Credit
Review
Risk Officer
Credit Risk Control &
Monitoring Section Head
Risk Officer
Market, Liquidity,
& Enterprise Risk Management
Division Head
Policy & Operational
Review
Section Head
Operational Risk
Control & Monitoring
Risk Officer
Risk Officer
Tugas dan Tanggung Jawab
Tanggung jawab SKMR dalam melaksanakan penerapan
manajemen risiko adalah sebagai berikut:
1. Memberikan masukan kepada Direksi dalam penyusunan
kebijakan, strategi, serta kerangka manajemen risiko.
2.
Mengembangkan prosedur dan alat untuk identifikasi,
pengukuran, pemantauan dan pengendalian risiko.
3. Pemantauan terhadap pelaksanaan strategi manajemen risiko
yang direkomendasikan oleh Komite Manajemen Risiko dan
yang telah disetujui oleh Direksi.
4. Pemantauan posisi/eksposur risiko secara keseluruhan
(composite), per jenis risiko maupun per aktivitas fungsional
sesuai limit risiko yang ditetapkan.
5. Melakukan stress testing guna mengetahui dampak dari
pelaksanaan kebijakan dan strategi manajemen risiko terhadap
kinerja masing-masing satuan kerja operasional.
6. Pengkajian terhadap usulan aktivitas dan/atau produk baru
yang diajukan atau dikembangkan oleh suatu unit tertentu yang
ada pada Bank. Pengkajian difokuskan terutama pada aspek
kemampuan Bank untuk melakukan aktivitas dan atau produk
baru termasuk sistem dan prosedur yang digunakan serta
dampaknya tehadap eksposur risiko Bank secara keseluruhan.
370
Market & Liquidity Risk
Management
Department Head
Operational Risk Management
Department Head
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Market Risk
Liqudity Risk
Risk Officer
Risk Officer
Enterprise Risk
Management
Department Head
Enterprise
risk
Management
Section Head
Risk Officer
Duties and Responsibilities
The following are the responsibilities held by SKMR in risk
management implementation:
1. Provide feedback to the Board of Directors in the development
of policies, strategies, and risk management framework.
2. Develop procedures and tools for the identification,
measurement, monitoring and risk control.
3. Monitoring of the implementation of risk management strategies
recommended by the Risk Management Committee and
approved by the Board of Directors.
4. Monitoring the position / risk exposure overall (composite), per
type of risk as well as a functional activity appropriate risk
limits set.
5. Perform stress testing to determine the impact of the
implementation of risk management policies and strategies on
the performance of each operating unit.
6. Assessment of the proposed activities and / or new products
proposed or developed by a given unit yanh the Bank. The
assessment focused primarily on aspects of the Bank’s ability to
perform activities or new products, including systems and
procedures used and the impact Cosmos Bank’s overall risk
exposure.
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
7. Memberikan
rekomendasi
mengenai
besaran
atau
maksimum eksposur risiko yang wajib dipelihara Bank kepada
satuan kerja operasional dan kepada Komite Manajemen
Risiko, sesuai dengan kewenangan yang dimiliki SKMR.
8. Evaluasi terhadap akurasi model dan validasi data yang
7. Provide recommendations on the amount or the maximum risk
exposure that must be maintained by the Bank to operational
digunakan oleh Bank untuk mengukur risiko.
Penyusunan dan penyampaian laporan Profil Risiko setiap
the data used by the Bank to measure risk.
9. Preparation and submission of quarterly reports and the risk
triwulan dan Tingkat Kesehatan Bank setiap semester Komite
profile of the Bank semiannually Risk Management Committee
and Risk Monitoring Committee, which will then be reported to
the Financial Services Authority (FSA).
9.
Manajemen Risiko dan Komite Pemantau Risiko, yang
kemudian akan dilaporkan kepada OJK.
10. Pelaksanaan kaji ulang secara berkala untuk memastikan :
- Kecukupan kerangka manajemen risiko
unit and the Risk Management Committee, in accordance with
the competencies of the Risk Management Unit.
8. Evaluation of the accuracy of the model and the validation of
10. Implementation of the review on a regular basis to ensure:
-
The adequacy of the risk management framework
-
Keakuratan metodologi penilaian risko
-
The accuracy of risk assessment methodologies
-
Kecukupan sistem informasi manajemen risiko
-
The adequacy of the risk management information
system
SATUAN KERJA KEPATUHAN COMPLIANCE
(SKK)
(SKK)
SKK dibentuk berdasarkan Peraturan Bank Indonesia No.
13/2/PBI/2011 tentang Pelaksanaan Fungsi Kepatuhan Bank
Umum. Ketidakpatuhan terhadap peraturan dan ketentuan
perundang-undangan yang berlaku dapat menimbulkan risiko yang
bersifat finansial seperti denda, dan non finansial seperti peringatan
tertulis sampai pencabutan izin usaha.
WORK
UNIT
SKK is established pursuant to Bank Indonesia Regulation
No.:13/2/PBI/2011 on the implementation of compliance for public
bank. Incompliance towards regulations and existing legal
statements could arise financial risks such as fines, and
nonfinancial such as business permission removal.
Risiko yang ditimbulkan akibat ketidakpatuhan dapat
mempengaruhi operasional Bank. Perseroan berkomitmen untuk
senantiasa mematuhi peraturan dan ketentuan yang dikeluarkan
oleh Bank Indonesia maupun regulator lainnya.
Risk arises due to incompliance could affect Bank operational.
Bank Sinarmas is committed to be compliant of all regulations and
policies issued by Bank Indonesia as well as other regulators.
Dalam rangka memenuhi komitmen tersebut, Bank Sinarmas
membentuk SKK yang bersifat independen dan bebas dari
pengaruh satuan kerja lainnya serta mempunyai akses langsung
kepada Direktur Kepatuhan.
In an effort to fulfill the commitment, Bank Sinarmas forms
Compliance Work Unit, an independent and unrestricted work unit
from others, and is permitted to have direct access to Director of
Compliance.
Annual Report 2014 | PT. BANK SINARMAS Tbk.
371
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Struktur SKK
SKK Structure
Compliance Director
Group Head
Divisi Head
UKPN Department Head
Compliance
UKPN
SKK Bank Sinarmas saat ini dipimpin oleh Purwanto sebagai
Group Head dan Harri Setiabudi sebagai Kepala Divisi yang
dibentuk untuk memastikan tingkat kepatuhan seluruh
jenjang organisasi Bank Sinarmas atas ketentuan dan
peraturan perundang-undangan yang berlaku, pemenuhan
komitmen kepada otoritas, pelaksanaan aktivitas usaha kredit dan
pengadaan barang serta jasa yang wajar, memastikan kepatuhan
kegiatan operasional di setiap unit kerja, serta penerapan prinsip
APU dan PPT sebagai upaya Bank Sinarmas menghindari tindak
pidana pencucian uang.
Tugas SKK
SKK dibentuk untuk melaksanakan fungsi kepatuhan yang
meliputi tindakan sebagai berikut:
1. Mewujudkan terlaksananya budaya kepatuhan (compliance
culture) pada semua tingkatan organisasi dan kegiatan usaha.
The SKK of Bank Sinarmas is presently chaired by Purwanto
as Group Head and Harri Setiabudi as Division Head, which
are formed to ensure the compliance level in all levels of
Bank Sinarmas’ organizations upon the prevailing regulations and
legislations, fulfillment of authorized commitment, credit activities
and normal materials and service procurement, as well as to ensure
the operational activities compliance in every work unit, the APU
and PPT principles implementation as an efor of Bank Sinarmas to
evade any money laundering criminalities.
Duties
Compliance Work Unit is formed to conduct compliance functions
such as follows:
1. Conduct compliance culture to all organization levels and
business activities
2. Mengelola risiko kepatuhan (compliance risk).
3. Memastikan
agar
kebijakan,
ketentuan,
sistem,
dan
prosedur serta kegiatan usaha yang dilakukan telah sesuai
dengan ketentuan Regulator dan peraturan perundangundangan yang berlaku.
372
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
2. Manage compliance risks
3. Ensure each conducted policies, regulations, system, procedures,
and all business activities meet the regulations issued by Bank
Indonesia and prevailing legislations.
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
4. Memastikan komitmen terhadap kepatuhan yang dibuat kepada
Regulator dan/atau otoritas pengawas lain yang berwenang.
4. Ensure the commitment towards compliance conducted to
Bank Indonesia and/or other authorities.
SKK melaksanakan program komunikasi dan sosialisasi
baik di cabang maupun unit bisnis Bank Sinarmas melalui program
35 menit bersama Compliance. Selain itu, SKK juga menguji
pemahaman mengenai pengetahuan APU dan PPT kepada
karyawan Bank Sinarmas. Tujuan jangka panjang dari penerapan
fungsi kepatuhan ini adalah menumbuhkan budaya kepatuhan di
dalam internal Stakeholders meliputi pemegang saham, pengurus,
The Compliance Work Unit also continue implementing
communications and dissemination program through 35 minutes
with Compliance event. In addition, SKK also tests the
understanding of employees of Bank Sinarmas on their knowledge
of Anti-Money Laundering (AML) and Combating the Terrorism
Funding (PPT). In a long-term, the Bank sets goal to develop
pejabat dan karyawan Bank Sinarmas.
Tanggung Jawab Direktur Kepatuhan
Tugas dan tanggung jawab Direktur Kepatuhan, meliputi:
1.
Merumuskan strategi guna mendorong terciptanya budaya
kepatuhan (compliance culture);
2. Mengusulkan kebijakan kepatuhan atau prinsipprinsip
kepatuhan yang akan ditetapkan oleh Direksi;
3. Menetapkan sistem dan prosedur kepatuhan yang akan
digunakan untuk menyusun ketentuan dan pedoman internal;
4. Memastikan bahwa seluruh kebijakan,ketentuan, sistem dan
prosedur, serta kegiatan usaha telah sesuai dengan ketentuan
Otoritas Jasa Keuangan/Bank Indonesia dan peraturan
perundang-undangan yang berlaku;
5. Meminimalkan risiko kepatuhan (compliance risk);
6.
Melakukan tindakan pencegahan agar kebijakan dan/atau
keputusan yang diambil Direksi tidak menyimpang dari
ketentuan Otoritas Jasa Keuangan/Bank Indonesia dan
peraturan perundang-undangan yang berlaku, antara lain
memberikan pendapat yang berbeda/dissenting opinion apabila
terdapat kebijakan dan/atau keputusan yang menyimpang dari
ketentuan Otoritas Jasa Keuangan/ Bank Indonesia dan
peraturan perundang-undangan yang berlaku serta tanggung
jawab dalam melakukan tindakan pencegahan tersebut terbatas
7.
pada kewenangan Direktur Kepatuhan;
Melakukan tugas-tugas lainnya yang terkait dengan fungsi
kepatuhan, antara lain adalah memantau dan menjaga
kepatuhan terhadap komitmen kepada Otoritas Jasa
Keuangan/Bank Indonesia maupun otoritas pengawas lainnya
yang berwenang.
compliance culture within its internal stakeholders including
shareholders, managers, officers and employees.
Responsibilities of Director of Compliance
Duties and responsibilities of Director
encompasses:
of
Compliance
1. Drafting strategy in order to create compliance culture;
2. Suggesting compliance policy or principles that will be
determined by the Board of Directors;
3. Determining system and procedure of compliance that will be
used to draft internal regulations and guidelines;
4. Ensuring that all policies, regulations, systems, and
procedures, as well as business activities have been well
conducted in accordance with the regulations of the Financial
Services Authority or Bank Indonesia and prevailing
regulations;
5. Minimizing compliance risk;
6.
Taking precautions to ensure that policies and/or decisions
taken Directors do not deviate from the provisions of the
Financial Services Authority/Bank Indonesia and the
legislation in force, among others, provide a different
opinion/dissenting opinions if there are policies and/ or
decisions that deviate from the provisions of Financial Services
Authority/Bank Indonesia and the legislation in force and the
responsibility to take preventive action is limited to the
authority of the Director of Compliance;
7. Conducting other duties related to compliance function, such as
monitoring and maintaining commitment to the Financial
Services Authority/Bank Indonesia and other supervisory
authorities.
Annual Report 2014 | PT. BANK SINARMAS Tbk.
373
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Indikator Kepatuhan 2014
1. Track record kepatuhan Bank selama ini sangat baik dan
Bank telah menerapkan hampir seluruh standar keuangan
dengan kode etik yang berlaku. Hal tersebut menunjukkan
bahwa kemungkinan kerugian Bank Sinarmas dari risiko
kepatuhan inheren secara komposit tergolong rendah dengan
kualitas penerapan manajemen risiko kepatuhan sangat
memadai.
2. Hasil Self Assessment pelaksanaan Good Corporate
2014 Compliance Indicator
1. Compliance track record of the Bank up to date is excellent and
the Bank has implemented almost all financial standards in
regards to the prevailing code of conducts. This indicates that
the possible loss of the Bank Sinarmas compliance risks
inherent in the composite is low with the quality of risk
management and compliance are adequate.
Governance (GCG) pada Bank Sinarmas posisi semester I dan II
Thn 2014 berada pada peringkat 2 yang mencerminkan
Manajemen Bank telah melakukan penerapan Good Corporate
Governance yang secara umum baik.
The result of Self-Assessment of GCG implementation on
Bank Sinarmas in the position of Semester I and II of 2014 was
ranked 2 which reflect the Bank’s management has made the
implementation of good corporate governance in general is
good.
Aktivitas Kepatuhan 2014
Bank Sinarmas memiliki Compliance Framework sebagai
bentuk komitmen terhadap ketentuan PBI No. 13/2/PBI/2011
tanggal 12 Januari 2011. Pada tahun 2014 aktivitas kepatuhan yang
dilakukan oleh Divisi Kepatuhan meliputi:
Compliance Activity in 2014
Bank Sinarmas possesses Compliance Framework as a form of
commitment to the Regulation of Bank Indonesia No. 13/2/
PBI/2011 dated January 12, 2011. In 2014, compliance activities that
were conducted by Compliance Division are as follows:
I. Pelaksanaan Fungsi Kepatuhan
I. Implementation of Compliance Function
1. Mendorong terwujudnya Budaya Kepatuhan pada
semua tingkatan organisasi dan kegiatan usaha Bank.
Dalam rangka mendorong
terwujudnya Budaya
Kepatuhan di seluruh unit organisasi, Bank Sinarmas telah
menyusun program Compliance Training (Sosialisasi
35 Menit Bersama Compliance), yang bertujuan
meningkatkan kesadaran, pemahaman dan kepedulian
terhadap penerapan Budaya Kepatuhan dalam semua aspek
kegiatan operasional. Juga memberikan sosialisasi perihal
Kepatuhan Bank Terhadap Regulasi Industri Perbankan
yang berlaku, tujuan sosialisasi tersebut untuk memberikan
pemahaman kepada pegawai mengenai regulasi terkait
industri perbankan yang berlaku serta pentingnya
kepatuhan terhadap regulasi industri perbankan yang
berlaku agar terhindar dari risiko Kepatuhan (Compliance
Risk).
374
2.
1. Encouraging the realization of Compliance Culture on all
Bank’s organization levels and business activities.
In order to promote the establishment of compliance culture
in all organizational units, Bank Sinarmas had compiled a
Compliance Training program (Dissemination of 35
Minutes with Compliance), which aimed to increase
awareness, understanding and concern for the
implementation of the Compliance Culture in all aspects of
operations. Also provided socialization concerning Against
Bank Regulatory Compliance Industry Banking applicable,
the socialization goal to provide insight to employees of
the relevant regulations prevailing banking industry and the
importance of compliance with the applicable regulations
of the banking industry in order to avoid compliance risk
(Compliance Risk).
Selain itu, SKK juga memberikan training Kepatuhan
berupa Anti Money Laundering
kepada pegawai
baru jenjang Management Development Program (MDP),
serta pelatihan juga diberikan kepada pegawai frontliner.
In addition, SKK also provided training in the form of
Anti-Money Laundering Compliance to the new employee
level Management Development Program (MDP), as well
as employee training was also given to the frontline.
Pengembangan kualitas SDM di Divisi Kepatuhan juga
terus ditingkatkan melalui pelatihan dan pengembangan
kompetensi. Selama tahun 2014 Divisi Kepatuhan
telah mengikutsertakan pegawainya dalam berbagai
The development of
Compliance Division
through training and
2014 the Compliance
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
quality human resources in the
also continued to be enhanced
competence development. During
Division has included
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
pelatihan/seminar/sertifikasi terkait Compliance dan
Anti Money Laundering.
2. Mengelola Risiko Kepatuhan
Divisi Kepatuhan melakukan pemantauan terhadap tingkat
kepatuhan atas ketentuan yang berlaku terkait prinsip
prudential banking (antara lain CAR, ROA, ROE, PDN,
BMPK, NPL, LDR), pada tahun 2014 secara keseluruhan
tidak ada pelanggaran terhadap ketentuan Otoritas Jasa
Keuangan/Bank Indonesia terkait prinsip prudential
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
its employees in various training/seminars/related
certification Compliance and Anti Money Laundering.
2. Managing Compliance Risk
The Compliance Division
monitored
the
level
of
compliance with the applicable regulations related to
prudential banking (among other CAR, ROA, ROE, PDN,
LLL, NPL, LDR), in 2014 as a whole there were no
violation of the provisions of the Financial Services
Authority / Bank Indonesia regarding prudential banking.
banking.
3.
Memastikan seluruh kebijakan, ketentuan, sistem dan
prosedur serta kegiatan usaha yang dilakukan Bank telah
sesuai dengan ketentuan Otoritas Jasa Keuangan/ Bank
Indonesia dan peraturan perundang-undangan yang
3. Ensuring that all policies, stipulations, system, and
procedures, as well as business activities conducted by the
Bank had been in accordance with the stipulations of
Financial Services Authority/Bank Indonesia and other
prevailing regulations.
berlaku.
Agar kebijakan, ketentuan, sistem, dan prosedur
bank tidak menyimpang dari ketentuan Otoritas Jasa
Keuangan/Bank Indonesia dan peraturan perundangan yang
berlaku, Divisi Kepatuhan melakukan:
draft new policies and procedures proposed by policy
makers working unit, and existing policies and
procedures;
a. Review Kepatuhan, melakukan review
terhadap
rancangan kebijakan dan prosedur baru yang diajukan
oleh unit kerja pembuat kebijakan, dan terhadap
b. Analysis of the impact of the new external regulations
kebijakan dan prosedur existing;
b. Melakukan analisis dampak peraturan
issued by the Regulator;
c. A review on the plan to publish new product or activity;
eksternal
yang baru diterbitkan oleh Regulator;
c. Melakukan review terhadap rencana penerbitan produk
atau aktivitas baru;
d. Melakukan review terhadap kecukupan kebijakan.
4.
In order for the policies, regulations, systems and
procedures of banks do not deviate from the provisions of
the Financial Services Authority/Bank Indonesia and
prevailing regulations, the Compliance Division performed:
a. Review of Compliance, conducted a review of the
Memantau dan menjaga Kepatuhan Bank terhadap
komitmen ke Otoritas Jasa Keuangan/Bank Indonesia dan
Otoritas Pengawas lain
Pemantauan terhadap komitmen ke Otoritas Jasa
Keuangan, Bank Indonesia dan otoritas pengawas lainnya
dilakukan bersama Satuan Pengawasan Intern (SPI)
melalui pemantauan tindak lanjut hasil audit Otoritas Jasa
Keuangan dan Otoritas Pengawas lainnya (Bank Indonesia,
Badan Pemeriksa Keuangan, Pusat Pelaporan dan Analisis
Transaksi Keuangan dan lainnya).
d. A review on the adequacy of the policy.
4. Monitoring and maintaining the Compliance of the Bank’s
commitments to the Financial Services Authority/ Bank
Indonesia and other Authorities
Monitoring of the commitment to the Financial
Services Authority, Bank Indonesia and other regulatory
authorities was conducted with Internal Audit Unit (SPI)
through follow-up monitoring of the results of the audit of
Financial Services Authority and other Supervisory
Authorities (Bank Indonesia, the Supreme Audit
Agency, the Center for Financial Transaction Reporting
and Analysis, and others).
II. Internal Control
Implementation of internal control management by
Compliance Officer through review compliance and
II. Pengendalian Internal
Pelaksanaan pengelolaan pengendalian internal dilakukan
oleh Compliance Officer melalui review compliance dan
Annual Report 2014 | PT. BANK SINARMAS Tbk.
375
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
internal dan eksternal.
Compliance Check List on operating activity within Division/
Regional Office/Branch Office level. Objective of this
compliance Check List implementation is to assess the
compliance of business and operating activity on internal and
external provisions
Dalam pelaksanaannya, pengelolaan pengendalian internal
meliputi aktivitas:
Within its implementation, internal control management
includes the following activities:
1. Review Rutin
Review Rutin merupakan review ex-post yang dilakukan
1. Routine Review
Compliance Check List terhadap aktivitas operasional di
tingkat Divisi/Kantor Wilayah/Kantor Cabang. Tujuan dari
pelaksanaan compliance Check List adalah untuk menilai
kepatuhan aktivitas bisnis dan operasional terhadap ketentuan
oleh Unit Kepatuhan atas aktivitas bisnis/operasional bank
yang kritikal secara periodik, untuk menilai kepatuhan unit
operasional dalam pelaksanaan fungsi- fungsi utamanya
sesuai dengan ketentuan yang berlaku sehingga dapat
dilakukan mitigasi risiko yang ada lebih dini.
Routine Review is a n ex-post review which is carried out
by Compliance Unit over Bank’s critical business/
operating activity periodically, to assess the compliance of
operating unit in the implementation of its main function
according to the applicable regulation, resulting in early
risk mitigation.
2. Review Insidentil
Review Insidentil merupakan review yang dilakukan
sehubungan dengan adanya informasi ketidakpatuhan,
kasus dan/atau isu-isu strategis lainnya. Review Insidentil
terdiri dari:
a. Review Mendadak
Merupakan review yang dilakukan dengan fokus
terhadap aktivitas/transaksi tertentu berdasarkan
professional judgement Unit Kepatuhan karena adanya
indikasi permasalahan yang dijumpai pada saat review
ex-ante.
b. Review Khusus
prosedur yang berpotensi menimbulkan kerugian bank
baik secara langsung maupun tidak langsung dengan
tujuan untuk mengetahui kronologis terjadinya
pelanggaran, sebab-sebab terjadinya, dampak kerugian
bank dan personalia yang diduga terkait dengan
terjadinya penyimpangan ketentuan tersebut.
c. Review Issue
yang
Incidental Review is a review which was carried
out in connection with the existing information of
disobedience, cases and/or other strategic issues. Incidental
Review consists of:
a. Sudden Review
Is a review which was carried out with focus on certain
activity/transaction based on professional judgment
from Compliance Unit due to indication of
encountered problems by the time of ex-ante review
b. Special Review
Merupakan review yang dilakukan sehubungan dengan
adanya pelanggaran terhadap ketentuan, kebijakan dan
Review
2. Incidental Review
Is a review which was carried out in connection with the
existence of violation on provisions, policies and
procedures which potentially may cause loss for the
Bank either directly or indirectly with the purpose to
find out the chronology of such violation, the causes,
impact on Bank and personnel loss that is suspected to
be related to the violation on provision.
c. Issue Review
dilaksanakan
karena
adanya
permasalahan/issue strategis yang terjadi di beberapa
Unit Kerja dan mempunyai dampak yang cukup
signifikan bagi Bank secara keseluruhan.
III. Implementasi Anti-Money Laundering (AML) & Pencegahan
Pendanaan Terorisme
Bank Sinarmas secara terus menerus melakukan pemantauan
atas penerapan Program Anti Pencucian
Review which was carried out due to the existence of
problems/strategic issues that occurred within several
working units and may have a significant impact for the
Bank in overall.
III. Implementation of Anti-Money Laundering (AML) & Prevention of
Terrorism Financing
Bank Sinarmas continuously conducted supervision on the
implementation of Anti-Money Laundering& Terrorism
376
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Uang dan Pencegahan Pendanaan Terorisme (APU &
PPT), termasuk pelaksanaan Prinsip Mengenal Nasabah/ Know
Your Customer (KYC)/Customer Due Dilligence (CDD),
untuk meminimalisir terjadinya pencucian uang dan pendanaan
terorisme serta timbulnya risiko-risiko terhadap Bank.
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Financing Prevention Progra, (APU&PTT), that is included
in the implementation of Know Your Customer (KYC)/
Customer Due Dilligence (CDD), to minimize the risk of
money laundering and terrorism funding as well as the
emerging risks to the bank.
Upaya yang dilakukan adalah dengan:
•
Adanya peran aktif dari Direksi dan Dewan Komisaris yang
mendukung pelaksanaan Program APU & PPT;
•
• To review the Policy and Guidelines of API&PPT Program
Menyempurnakan kebijakan, prosedur serta sistem
informasi untuk memastikan
perkembangan ketentuan eksternal;
•
Commissionerswho supported the implemenmber.ation of
APU & PPT program;
Me-review secara berkala atas Kebijakan dan Pedoman
Penerapan Program APU & PPT;
•
Such efforts are carried out by:
•
Active role from Board of Directors and Board of
kesesuaian
dengan
Memberikan
pelatihan
APU
&
PPT
berkesinambungan kepada seluruh pegawai.
secara
•
Implementation periodically;
To Complement the policies, procedures and information
system to ensure the suitability with external provision
development;
• To provide trainings of APU & PPT sustainably to the entire
employee
Mengingat jaringan distribusi Bank Sinarmas yang terus
berkembang luas, serta semakin kompleksnya produk, aktivitas
dan teknologi informasi bank, maka Bank Sinarmas
antara lain selalu berinisiatif menyempurnakan sistem
informasi untuk mengidentifikasi transaksi keuangan
mencurigakan, mendeteksi transaksi keuangan tunai dalam
jumlah tertentu, mendeteksi transaksi transfer dana dari dan ke
luar negeri serta alert system untuk mengidentifikasi calon
nasabah yang dinilai memiliki risiko tinggi, calon nasabah
yang berasal dari negara yang tergolong sebagai negara
berisiko tinggi, serta mengidentifikasi bisnis berisiko tinggi
yang kemungkinan digunakan dalam aktivitas pencucian uang
maupun pembiayaan terorisme.
Bank Sinarmas juga secara terus menerus melakukan
pemantauan pelaksanaan pengkinian data nasabah dan
melakukan sosialisasi secara berkesinambungan atas
pelaksanaan Prinsip Mengenal Nasabah/KYC/CDD dan
penerapan Program APU & PPT. Sosialisasi dilakukan melalui
metode tatap muka maupun melalui program e-learning.
Peran aktif Direksi dan Komisaris, penyempurnaan Kebijakan
dan Pedoman Penerapan Program APU&PPT, sistem
informasi, pelatihan dan sosialisasi merupakan upaya
untuk meningkatkan efektivitas pelaksanaan Prinsip Mengenal
Nasabah dan penerapan Program APU &PPT.
Considering the distribution network of Bank Sinarmas which
continuously extents and develops, as well as the complexity of
products, activities, and bank’s Information Technology,
therefore bank Sinarmas among others always take the
initiative to complement the information system to identify a
suspicious financial transaction, identify cash transaction
within a certain amount, identify fund transfer transaction from
and to overseas as well as alert system to identify
prospective customers who are considered as risky, prospective
customer who came from countries that are classified as highrisk countries, as well as to identify high-risk business which
may be used in money-laundering activities or terrorism
financing.
Bank Sinarmas also continuously carry out supervision on the
implementation of updating customer data and to conduct
sustainable socialization over the implementation of Know
Your Customer/KYC/CDD principle and implementation of
APU & PPT program. Socialization is conducted through faceto-face method or e-learning program
Active role of Board of Directors and Board of Commissioners,
complementary of Policies and Guidelines of APU & PPT
Program implementation, information system, trainings and
socialization are the effort to improve the effectiveness of the
implementation of Know Your Customer principle and APU &
PPT Program implementation.
Annual Report 2014 | PT. BANK SINARMAS Tbk.
377
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
SEKRETARIS
PERUSAHAAN
CORPORATE SECRETARY
Profil Sekretaris Perusahaan
Dodo Suyanto
Warga Negara Indonesia, 45 tahun.
Bergabung dengan Bank Sinarmas sejak
14 Januari 2013. Menjabat sebagai
Indonesian citizen, 45 years old. He joined
Bank Sinarmas since January 14,
2013 and served as Corporate Secretary
Sekretaris Perusahaan Bank Sinarmas sejak
since
1 Desember 2014 berdasarkan Surat
Keputusan
Direksi
No.
025/2014/
PRESDIR tanggal 1 Desember 2014. Saat
ini, beliau juga merangkap sebagai Legal
Decree of Board of Directors No.
December
1,
2014
pursuant to
025/2014/PRESDIR dated December 1,
2014. He also concurrently served as
Bank Sinarmas Legal Division Head.
Division Head Bank Sinarmas.
Meraih gelar Sarjana Hukum di Universitas Airlangga pada
1994 dan menyelesaikan pendidikan Spesialis Kenotariatan di
Universitas Airlangga pada 2000. Mengawali karir sebagai Legal
Officer di PT Bank Permata Tbk tahun 1996 hingga
2003, PT Bank DBS Indonesia pada 2005 hingga 2007, menjabat
sebagai Compliance Manager di PT Bank Rabobank International
Indonesia pada 2009 hingga 2011, dan menjabat sebagai
Compliance Manager pada 2012 hingga 2013 di PT AXA
Mandiri Financial Services.
He obtained Bachelor of Law degree in 1994 and Specialist of
Notary in 2000 from Airlangga University in 2000. He started his
career as Legal Officer at PT Bank DBS Indonesia in 2005 until
2007 Compliance Manager at PT Bank Rabobank International
Indonesia in 2009 until 2011, and Compliance Manager at PT AXA
Mandiri Financial Services in 2012 until 2013.
Selain pendidikan formal, beliau juga mengikuti sejumlah
pelatihan diantaranya The 7 Habits of Highly Effective People
Book Sharing pada 1999, Power Leadership Program pada
2007, serta mendapatkan sertifikat BSMR Level 2 pada 2010.
In addition to formal education, he participated in trainings such as
The 7 Habits of Highly Effective People Book Sharing in
Dasar Hukum Penunjukan Sekretaris Perusahaan Berdasarkan
ketentuan Bapepam Nomor KEP-63/PM/1996 dan keputusan
Legal Basis of Appointment
Pursuant to Bapepam requirements No. KEP-63/PM/1996 and JSE
Directors Decision No. 339 of 2001 on the appointment of
corporate secretary, based on Board of Directors Decision No.
025/2014/PRESDIR dated December 1, 2014, the Company
appointed Dodo Suyanto as Corporate Secretary. The report had
Direksi BEJ Nomor 339 Tahun 2001 mengenai pembentukan
sekretaris perusahaan, maka berdasarkan Keputusan Direksi
No. 025/2014/PRESDIR tanggal 1 Desember
2014, Perseroan menunjuk Dodo Suyanto sebagai Sekretaris
Perusahaan, yang kemudian telah dilaporkan ke Otoritas Jasa
Keuangan No. SKL.290/2014/PRESDIR-CorSec&CorComm
tanggal 1 Desember 2014.
Fungsi utama dari sekretaris perusahaan adalah untuk membangun
citra Perseroan dan sebagai penghubung dengan membangun
komunikasi dan hubungan yang baik dengan
378
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
1999, Power Leadership Program in 2007 and acquired BSMR
Level 2 certificate in 2010.
been submitted to Financial Services Authorities No.
SKL.290/2014/PRESDIR-CorSec&CorComm dated December 1,
2014.
The main function of corporate secretary is to build the image of the
Company and as a liaison to establish good communication and
relationships with stakeholders. Corporate secretary has
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
para Stakeholder. Sekretaris perusahaan memiliki akses terhadap
informasi material dan relevan yang berkaitan dengan Perseroan
dan perundang-undangan terkait.
access to the material and relevant information relating to the
Tugas dan Tanggung Jawab
Berdasarkan Piagam Sekretaris Perusahaan PT. Bank Sinarmas
Tbk., tugas dan tanggung jawab Sekretaris Perusahaan sebagai
berikut:
1. Mengikuti perkembangan Pasar modal, Perbankan, dan
Duties and Responsibilities
Pursuant to Corporate Secretary Chart of PT. Bank Sinarmas Tbk.,
Corporate Secretary has the following duties and responsibilities:
1. Following the development in Capital Markets, Banking
Perusahaan Terbuka serta peraturan-peraturan yang berlaku
pada masing-masing bidang tersebut.
2. Memberikan pelayanan kepada masyarakat atas setiap informasi
yang dibutuhkan pemodal yang berkaitan dengan kondisi Bank.
3. Memberikan masukan kepada Direksi untuk mematuhi
peraturan-peraturan yang berlaku dibidang Pasar Modal,
Perbankan, dan Perusahaan Terbuka.
4. Sebagai penghubung antara Bank dengan Bank Indonesia,
Profesi Penunjang Pasar Modal & Otoritas Pasar Modal,
masyarakat dan pihak-pihak terkait lainnya.
5. Menyiapkan daftar khusus yang berkaitan dengan Direksi,
Dewan Komisaris, Pemegang Saham, dan anggota keluarganya
dalam Bank mencakup kepemilikan saham, hubungan bisnis,
dan peranan lainnya yang dapat menimbulkan benturan
kepentingan.
6. Membuat daftar pemegang saham termasuk kepentingan
5% (lima persen saham) atau lebih.
7. Menghadiri rapat direksi dan rapat Direksi dan Dewan
Komisaris serta membuat berita acara rapatnya.
8.
Bertanggung jawab dalam penyelenggaraan Rapat Umum
Pemegang Saham (RUPS) dan Rapat Umum Pemegang Saham
Luar Biasa (RUPSLB).
9. Membuat Laporan Tahunan pada setiap akhir tahun dan
Company and the relevant legislation.
and Listed Company as well as regulations existing to the
respective areas;
2. Provide the public with any information needed by investors
associated with the Bank;
3. Provide input to the Board of Directors to comply with
regulations in force in the field of Capital Markets, Banking
and Listed Company;
4. As a liaison between the Bank and Bank of Indonesia,
Supporting Profession, Capital Market & Capital Market
Authority, the public and other related parties;
5. Prepare a list of particular relevance to the Board of Directors,
Board of Commissioners, shareholders, and members of his
family in the Bank include stock ownership, business
relationships, and other roles that can give rise to a conflict of
interest.
6. Make a list of shareholders, including the interests of 5%
(five percent of the shares) or more.
7. Attend board meetings and meetings of the Board of Directors
and the Board of Commissioners and prepare minutes of the
meeting.
8. Responsible for the implementation of the General Meeting of
Shareholders (AGM) and Extraordinary General Meeting of the
Extraordinary Shareholders (EGM).
9. Make the Annual Report at the end of each year and submitted
disampaikan kepada pihak-pihak terkait lainnya paling lambat
akhir Mei tahun berikutnya.
10. Membuat laporan-laporan lainnya yang ditujukan ke Bank
to other related parties no later than the end of May next year.
10. Make other reports addressed to Bank Indonesia, the Stock
Indonesia, Bursa Efek, Bapepam, Perbanas, UP3 dan lainnya,
seperti Laporan Perubahan Pengurus, Laporan Pemindahan
as the Statement of Changes in Board, Report of Transfer of
Office, Office Opening Realization Report.
11. Assist the Board of Directors prepare correspondence
Kantor, Laporan Realisasi Pembukaan Kantor.
11. Membantu Direksi menyusun korespondensi
(surat,
memorandum, dan lainnya), baik untuk pihak internal (Dewan
Komisaris, Kantor Cabang, Unit-unit Kerja di Kantor Pusat).
12. Menyusun Surat Keputusan, Surat Edaran, dan Surat-surat
Exchange, Bapepam, Banks Association, UP3 and others, such
(letters, memoranda, and other), both for internal (BOC,
Branch Office, Units Work in the Central Office).
12. Develop Decree, Circular, and letters issued by the Company.
yang diterbitkan oleh Perusahaan.
Annual Report 2014 | PT. BANK SINARMAS Tbk.
379
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Berdasarkan Peraturan Otoritas Jasa Keuangan No. 35/
POJ.04/2014 tentang Sekretaris Perusahaan Emiten atau
Perusahaan Publik, tugas dan tanggung jawab Sekretaris
Perusahaan sebagai berikut:
1. mengikuti perkembangan Pasar Modal khususnya peraturan
Pursuant to the Financial Services Authority Regulation No.
35/POJ.04/2014 on Corporate Secretary for Issuers or Public
perundang-undangan yang berlaku di bidang Pasar Modal;
memberikan masukan kepada Direksi dan Dewan Komisaris
legislation in force in the capital market;
2. provide input to the Board of Directors and Board of
Emiten atau Perusahaan Publik untuk mematuhi ketentuan
peraturan perundang-undangan di bidang Pasar Modal;
3. membantu Direksi dan Dewan Komisaris dalam pelaksanaan tata
Commissioners of Public Listed Company to comply with laws
and regulations in the capital market;
3. assist the Board of Directors and the Board in the
kelola perusahaan yang meliputi:
a. keterbukaan informasi kepada masyarakat, termasuk
implementation of corporate governance include:
a. disclosure to the public, including the availability of
2.
Companies, the following are duties and responsibilities of
Corporate Secretary:
1. follow the development of capital markets, especially the
ketersediaan informasi pada Situs Web Emiten atau
Perusahaan Publik;
b. penyampaian laporan kepada Otoritas Jasa Keuangan tepat
information on the website Public Company;
b. submission of reports to the Financial Services Authority on
time;
waktu;
c. implementation and documentation of the General
c. penyelenggaraan dan dokumentasi Rapat Umum
Meeting of Shareholders;
Pemegang Saham;
d. implementation and documentation of the Board of
Directors meeting and / or the Board of Commissioners;
and
e. orientation program execution against the company for the
d. penyelenggaraan dan dokumentasi rapat Direksi dan/
atau Dewan Komisaris; dan
e. pelaksanaan program orientasi terhadap perusahaan bagi
Direksi dan/atau Dewan Komisaris.
4. sebagai penghubung antara Emiten atau Perusahaan Publik
dengan pemegang saham Emiten atau Perusahaan Publik,
Otoritas Jasa Keuangan, dan pemangku kepentingan lainnya.
Sekretaris Perusahaan memiliki misi untuk memenuhi dan
mematuhi segala peraturan-peraturan yang ditetapkan bagi
Perusahaan Terbuka kepada Otoritas Jasa Keuangan, Bursa Efek
Indonesia, KSEI, Bank Indonesia, serta Regulator lain dan
menjadi gerbang media terkait informasi yang akan dipublikasikan
terkait aksi korporasi, kinerja perusahaan, ataupun meredam berita
negatif mengenai Perseroan.
Board of Directors and / or Board of Commissioners.
4. as a liaison between the Public Company by the shareholder or
public company, the Financial Services Authority, and other
stakeholders.
Corporate Secretary’s missions are: Complying with all regulations
determined for Public Companies to the Financial Services
Authority, Indonesia Stock Exchange, KSEI, Bank Indonesia, and
other regulators, and become an information gate to publish
corporate action, company performance or reduce negative news on
the Company.
Korespondensi
Selama 2014, korespondensi baik rutin maupun non rutin yang
Correspondence
disampaikan Perseroan kepada regulator adalah sebagai berikut:
In 2014, the Company conducted the following routine and nonroutine correspondences:
Perihal / About
Laporan Bulanan Registrasi Pemegang Efek / Monthly Report on Securities Holder
Keterangan /
Jumlah /
Description
Total
Rutin / Routine
12
Laporan Data Hutang Valuta Asing / Report on Foreign Currency Debt
Rutin / Routine
12
Laporan Hasil Penggunaan Dana Hasil Penawaran Umum / Report on Use of Public
Offering Proceeds
Rutin / Routine
4
Registration
380
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Perihal / About
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Keterangan /
Jumlah /
Description
Total
Laporan Keuangan Tahunan / Annual Financial Statements
Rutin / Routine
1
Laporan Tahunan 2013 / Annual Report 2013
Rutin / Routine
1
Laporan Keuangan Interim dan Long Form / Interim and Long Form Financial Statements
Rutin / Routine
3
Publikasi Laporan Keuangan / Financial Statements Publication
Rutin / Routine
4
Non Rutin / Non-
Perubahan Corporate Secretary / Changes of Corporate Secretary
Routine
Laporan Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu / Report on
Additional Capital Without Preemptive Rights
Non Rutin / Non-
Keterbukaan Informasi Terkait Penambahan Modal Tanpa Hak Memesan Efek Terlebih
Dahulu / Information Disclosure on Additional Capital Without Preemptive Rights
Non Rutin / Non-
Routine
Routine
1
2
2
Komunikasi Eksternal
External Communication
Pemenuhan informasi bagi Stakeholder, selalu menjadi
prioritas perseroan. Oleh sebab itu, Perseroan mempermudah para
Stakeholder untuk mengakses informasi yang mereka butuhkan
melalui website www.banksinarmas.com, seperti laporan tahunan,
laporan publikasi, laporan GCG, produk dan lain sebagainya.
Fulfillment of information for stakeholders is the company’s
priority. Therefore, the Company allows for stakeholders to access
the information they need through www.banksinarmas. com
website, such as annual reports, published reports, corporate
governance reports, and other products.
Selama 2014, Perusahaan mengeluarkan 3 siaran pers dengan
rincian sebagai berikut:
During 2014, the Company issued three press release with details
as follows:
Judul / Title
Tanggal / Date
Bank Sinarmas Luncurkan “Kartu Debit Bank Sinarmas Union Pay” / Bank Sinarmas
18 Agustus 2014
Launched “Bank Sinarmas Debit Card”
August 18, 2014
Bank Sinarmas Terus Menggenjot Target DPK dan Penyaluran Kredit / Bank Sinarmas
4 Desember 2014
Encouraged DPK Target and Credit Distribution
December 4, 2014
Bank Sinarmas Bersama Nurbaya Initiative Melakukan Terobosan Dalam pembiayaan Bagi
Pelaku UMKM di Pasar Tanah Abang dan Thamrin City / Bank Sinarmas and Nurbaya
7 November 2014
Initiative Conducted Innovation in Financing for UMKM Players at Pasar Tanah Abang and
November 7, 2014
Thamrin City.
Komunikasi Internal
Dalam melakukan Komunikasi Internal kepada seluruh karyawan,
Perseroan menggunakan berbagai media antara lain:
Internal Communication
In conducting Internal Communication to all employees, the
Company uses a variety of media including:
1. Lensa Berita
Media Perseroan untuk menyebarkan berita-berita terbaru dan
kegiatan yang telah dilakukan oleh Perseroan melalui e-mail
untuk disebarkan kepada seluruh kayawan. Lensa Berita terbit
setiap hari Rabu di setiap minggunya. Pada
2014, Lensa Berita telah menerbitkan 54 edisi.
1. Lensa Berita
The Company’s media to spread the latest news and activities
that have been carried out by the Company by e-mail to
spread to the employees. Lensa Berita is published every
Wednesday in every week. In 2014, Lenses News has
published 54 editions.
Annual Report 2014 | PT. BANK SINARMAS Tbk.
381
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
2. Lensa Quiz
Media yang berisi pertanyaan-pertanyaan terkait dengan
permasalahan yang terjadi dalam operasional perbankan. Hal
ini dilakukan untuk meningkatkan aware dari setiap karyawan
pada umumnya, serta cabang-cabang pada khususnya, terkait
permasalahan yang terjadi. Selama
2. Lensa Quiz
Media containing questions related to the issues raised in the
banking operations. This is done to improve aware of every
employee in general, as well as branches in particular, related
problems occurred. During 2014, Lensa Quiz has issued a total
of 64 editions.
2014, Lensa Quiz telah menerbitkan sebanyak 64 edisi.
3. Pesan Manajemen
Pesan langsung yang dikirimkan oleh Manajemen kepada
seluruh karyawan. Pesan ini terkait mengenai budaya kerja,
informasi perkembangan Perseroan, maupun motivasi.
Sepanjang 2014, Perseroan telah mengirimkan sedikitnya
4 edisi pesan manajemen yang antara lain sebagai berikut:
3. Message from Management
Direct message sent by management to all employees. This
message is related to the culture of work, information on the
progress of the Company, as well as motivation. Throughout
2014, the Company has sent at least four editions of
management messages are as follows:
• Bertumbuh Menuju Kedewasaan
• Kick Off Spend Optimization
• Growing Toward Maturity
• The Future is You
• The Future is You
• Salam Transformasi
• Greetings From Transformation
• Kick Off Spend Optimization
AKUNTAN
PUBLIK
PUBLIC
ACCOUNTANT
Melalui RUPS pada 13 Juni 2014 di Jakarta, sebagaimana tertuang
dalam Berita Acara Rapat Umum Pemegang Saham Tahunan No.
44 tanggal 13 Juni 2014, menyetujui untuk menunjuk KAP Moore
Stephens guna melakukan Audit Umum Laporan Keuangan Bank
Sinarmas 2014 untuk melakukan Audit Umum atas Laporan
Pursuant to the AGM on June 13, 2014 in Jakarta, as stated in
the Minutes of the General Meeting of Shareholders No. 44 dated
June 13, 2014, agreed to appoint KAP Moore Stephens to perform
the General Audit of Financial Statements Bank Sinarmas 2014 to
conduct the General Audit of Financial Statements of PT. Bank
Sinarmas Tbk. as of December 31,
Keuangan PT. Bank Sinarmas Tbk. per 31 Desember 2014.
2014.
Kantor Akuntan Publik KAP Moore Stephens merupakan KAP
yang terdaftar sebagai Auditor Bank di Otoritas Jasa Keuangan.
Bank Sinarmas menunjuk KAP tersebut untuk melaksanakan audit
umum laporan keuangan Bank Sinarmas 2014, yang dalam
• Kapasitas KAP yang ditunjuk
Public Accounting Firm (KAP) Moore Stephens is a KAP
registered as Bank Auditor in the Financial Services Authority.
Bank Sinarmas appointed the KAP to perform general audit for the
financial statements of the Bank Sinarmas 2014, that the
assignment meets the following aspects:
• Legalitas perjanjian kerja
• Capacity
• Ruang lingkup audit
• Legality of work agreement
• Standar profesional akuntan publik
• Audit coverage
• Komunikasi Bank Indonesia dengan KAP dimaksud
• Professional public accountant standards
penugasannya memenuhi aspek berikut:
• Communication between Bank Indonesian with the
aforementioned KAP
Periode Kantor Akuntan Publik dan Akuntan Publik
Sesuai peraturan PBI 3/22/PBI/2001 tentang Transparansi Kondisi
Keuangan Bank, penunjukkan KAP yang sama hanya bisa
dilakukan selama lima tahun berturut-turut kecuali jika memenuhi
kondisi tertentu dan dilaksanakan atas persetujuan Bank Indonesia.
382
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Terms of Public Accountant Firm and Public Accountant Pursuant to
PBI 3/22 / PBI / 2001 on Transparency of Financial Condition of
the Bank, KAP same designation can only be done for five
consecutive years unless it meets certain conditions and carried out
with the approval of Bank Indonesia.
Kilas Kinerja 2014
Flashback Performance of 2014
Profil Perusahaan
Company Profile
Laporan Manajemen
Report of Management
Berikut adalah Kantor Akuntan Publik yang melakukan audit
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
The following are a public accounting firm to audit the financial
statements of Bank Sinarmas for 3 (three) years:
Laporan Keuangan Bank Sinarmas selama 3 (tiga) tahun
terakhir:
Tahun /
Kantor Akuntan Publik/ Public
Nama Akuntan (Perorangan) / Accountant
Year
Accounting Firm
Name (Individual)
Biaya / Cost
2014
KAP Moore Stephens
Mulyamin Sensi Suryanto dan Lianny
Rp880.000.000,-
2013
KAP Moore Stephens
Mulyamin Sensi Suryanto dan Lianny
Rp742.500.000,-
2012
KAP Moore Stephens
Mulyamin Sensi Suryanto dan Lianny
Rp660.000.000,-
TRANSAKSI YANG
MENGANDUNG BENTURAN
KEPENTINGAN
TRANSACTION
CONTAINING CONFLICTS
OF INTEREST
Selama 2014, tidak terjadi transaksi yang mengandung
benturan pada Bank Sinarmas.
Bank Sinarmas did not have any transaction containing conflicts of
interest in 2014
PERKARA PERUSAHAAN
LEGAL CASES
Jumlah perkara hukum yang harus dihadapi Bank Sinarmas
Legal cases faced by Bank Sinarmas are as follows:
pada 2014 adalah sebagai berikut:
Permasalahan Hukum / Legal Case
Perdata / Civil
Pidana / Criminal
Telah Selesai / Resolved
1
-
Dalam Proses Penyelesaian / On Progress
1
-
Total
2
-
Perkara hukum yang dihadapi Perseroan tidak memiliki pengarus
signifikan pada kegiatan Perseroan.
Legal cases faced by the Company did not give significant impact
on the Company’s activities.
AKSES
PERUSAHAAN
ACCESS TO
COMPANY
INFORMATION
INFORMASI
Perusahaan berkomitmen untuk melaksanakan prinsip keterbukaan,
untuk itu Perusahaan selalu menyampaikan informasi tentang
Perusahaan melalui website Perusahaan www. banksinarmas.com.
Selain itu, Perusahaan juga menyampaikan perkembangan
Perusahaan mengenai Informasi Material dan
The Company is committed to implementing disclosure principle.
As such, the Company always conveys information about the
Company
through
the
Company’s
website
www.
banksinarmas.com. In addition, the Company also presented the
development of the Company Disclosure of Material
Annual Report 2014 | PT. BANK SINARMAS Tbk.
383
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Keterbukaan Informasi yang Perlu Diketahui Publik secara teratur
kepada PT Bursa Efek Indonesia (BEI) dan OJK sesuai dengan
peraturan yang berlaku.
Information and Public Information to Know regularly to the
Indonesia Stock Exchange (IDX) and the FSA in accordance with
BUY BACK SHARES DAN
BUY BACK OBLIGASI
BANK
BUY BACK SHARES AND
BUY BACK OBLIGASI
BANK
Selama 2014, tidak terjadi buy back share dan/atau buy back
obligasi Bank pada Bank Sinarmas.
There was no buy back share and/or bonds buy back in 2014.
KODE ETIK DAN
PEDOMAN TINGKAH
LAKU
CODES
CONDUCT
Kode etik dan pedoman tingkah laku telah disosialisasikan dan
berlaku untuk seluruh bagian dari Bank Sinarmas. Termasuk
Dewan Komisaris, Komite-komite dibawah Dewan Komisaris dan
Direksi, karyawan, para konsultan serta pihak lain yang bekerja
dengan Bank Sinarmas, atau yang mewakili Bank Sinarmas secara
langsung atau secara tidak langsung.
The code of conduct has been socialized and applied to all
divisions of the Bank Sinarmas, including BOC, Committees under
the Board of Commissioners and Board of Directors, employees,
consultants and others who work with Bank Sinarmas, or that
represent the Bank Sinarmas directly or indirectly.
Jika terjadi pelanggaran pedoman tingkah laku terhadap kebijakan
dan prosedur Bank Sinarmas dan/atau ketentuan perundangundangan yang berlaku, maka ia dapat dikenakan tindakan
indiscipliner, termasuk pemutusan hubungan kerja atau
penghentian kerja. Pelanggaran terhadap hukum/undang- undang
juga dapat berakibat tuntutan hukum dan termasuk denda,
berkenaan dengan beberapa hal, hukuman pidana untuk pelaku,
atasan dan/atau perusahaan.
384
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
applicable regulations.
OF
Any individual violating the code of conduct, policies and
procedures of Bank Sinarmas or statutory provisions in force will
be charged with indisciplinary action, including termination of
employment. Violations of laws may also result in legal action and
including fines, with regard to some things, criminal penalties for
perpetrators, supervisors and/or the company.
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
6
Tanggung jawab kepada Bank Sinarmas /
Responsibility to Bank Sinarmas
Tanggung jawab tempat kerja /
Responsibility in workplace
Mewakili Bank Sinarmas dan pihak luar lainnya /
Representing Bank Sinarmas and other external parties
Kerahasiaan /
Confidentiality
Kegiatan Investasi /
Investment
Kepatuhan pada Peraturan
Compliance to Regulation
BUDAYA BANK
SINARMAS
Integrity
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Bagian utama Kode Etik dan Pedoman Tingkah Laku profesional Bank Sinarmas / Six
Main Points of Code of Conduct and Professional Behaviour Guidelines of Bank
Sinarmas
1
2
3
4
5
6
1
Profil Perusahaan
Company Profile
Bertindak sesuai
ucapan/janji sehingga
dapat menumbuhkan
kepercayaan pihak lain
/ Acts according to
promises in order to earn
trust from
others
BANK SINARMAS CULTURE
Kejujuran /
Honesty
Walk The Talk
Conscience
•
•
•
Memberikan pendapat yang sesuai dengan kebenaran
Berbicara berdasarkan fakta dan data
Memastikan tidak adanya ‘conflict of interest’ yang dapat
menimbulkan bias dalam pengambilan keputusan yang dapat
merugikan perusahaan
•
•
•
Giving opinions based on truth
Speak upon facts and data
Ensure no conflict of interest that could arise bias in decision-making
process, in its ability to bring loss for the company
•
•
Menepati janji
Menjalankan, menindaklanjuti serta bertanggungjawab atas
keputusan yang telah disepakati dan ditetapkan
•
•
Fulfilling promises
Conduct, follow-up, and be responsible of agreed and determined
decisions.
•
•
Menjaga dan melindungi kepentingan Perusahaan sebaik-baiknya
Memastikan perusahaan tidak dirugikan dalam hal waktu, materi,
sumber daya dan tindakan apapun yang dilakukan
•
•
To preserve and protect the interest of the Company at any cost
Ensure that company is not losing time, materials, and resources on any
conducted actions
Annual Report 2014 | PT. BANK SINARMAS Tbk.
385
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
2
Positive attitude
Menampilkan perilaku
yang mendukung
terciptanya
lingkungan kerja yang
saling menghargai dan
kondusif / Demonstrate
supporting behaviors to
create a full respect
and conducive work
environment.
Positive thinking
Respect others
•
Menelaah isu atau permasalahan dari sudut pandang positif dan berupaya
mendiskusikannya dengan positif untuk mendapatkan solusi yang terbaik
bagi perusahaan dan semua pihak.
•
Analyze issues and problems from a positive point of view and discuss
them in positive way to have the best solution for company and all parties
involved.
•
Mendengarkan dan menghormati pendapat rekan kerja dalam setiap
kesempatan
Memberikan pujian/penghargaan kepada yang berhasil melaksanakan
tugas dan tanggung jawab atau yang menunjukkan penerapan nilai- nilai
perusahaan secara konsisten
•
•
Team work
Positive working
environment
3
386
Commitment
Melaksanakan pekerjaan
dengan sepenuh hati untuk
mencapai hasil terbaik /
Conducting
their duties with sincerity
to achieve the best
result.
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Passion
•
Listening and respecting opinions from colleagues in every
opportunities.
Expressing a praise/appreciation to those who succeed in completing their
assignments and responsibilities or demonstrate company values
consistently
•
•
Memberikan kontribusi berarti dalam melaksanakan tugas
Mencari solusi terbaik demi kepentingan perusahaan
•
•
Contributing in conducting the duties
Seeking the best solutions for company’s interest
•
•
Melaksanakan proses dialog dalam berkomunikasi
Mendorong rekan kerja untuk senatiasa bertindak positif dalam
mencetuskan pendapat atau mengupayakan solusi tanpa berusaha
mendiskreditkan rekan kerja/bagian lain.
•
•
Conducting conversation process in communication
Encouraging colleagues to continuously think positively in sharing
opinions or to make an effort to have a solution without discrediting
other colleagues/other divisions.
•
•
Menunjukkan kedisiplinan dalam hal waktu dan upaya yang dilakukan
Memperlihatkan antusiasme dalam melaksanakan pekerjaan
•
•
Demonstrating time disciplinary and efforts conducted
Showing enthusiasm at working
Strive to be the
best
Senantiasa merasa tidak puas diri atas pencapaian sekarang dan terus
bertekad mewujudkan hasil
terbaik dalam setiap kesempatan, dimana ‘sky is the limit’./ Continuously
challenging Inner self not to be satisfied with current result, and determining
to achieve the best result in every opportunity, where sky is the limit.
Follow up until
done
•
•
Menyelesaikan pekerjaan yang telah dimulai dengan sepenuh hati.
Menunjukkan usaha optimal untuk mencapai hasil terbaik dalam
rentang waktu yang telah ditetapkan.
•
•
Finishing duties with full of heart.
Demonstrating optimum efforts to achieve best result within targeted
timeline.
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
4
Continuous
improvement
Meningkatkan
kemampuan/kapasitas
diri, unit kerja dan
organisasi secara terus
menerus tanpa batas
untuk mencapai hasil
terbaik./ Improving
continuous capabilities/
self-capacity, working
unit and organization
without limit to achieve
the best result.
Data accuracy
•
•
•
•
Gaining, processing, and delivering data as well as accurate
information
Ensuring that reported data is capable to have the best decision taken for
company.
Process
excellence
•
•
•
Memunculkan gagasan
atau menciptakan
produk/ alat kerja/ sistem
kerja baru yang dapat
meningkatkan
produktivitas dan
pertumbuhan
perusahaan./ Creating
fresh ideas or innovate
product/work device/
new work system to
accelerate productivity
and company’s growth.
Memperoleh, memproses dan memberikan data serta informasi
secara akurat.
Memastikan bahwa data yang diberikan dapat mendukung
pengambilan keputusan yang terbaik bagi perusahaan.
Selalu melakukan evaluasi diakhir pelaksanaan tugas dalam upaya
meningkatkan manfaat dan efektivitas penggunaan baiya pada tugas- tugas
selanjutnya./ Always conducting evaluation at the end of duties performance
in order to enhance benefit and cost-spending affectivity on awaiting tasks.
•
•
Innovative
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Cost concern
•
5
Profil Perusahaan
Company Profile
Bench marking
•
•
•
•
•
•
Breaktrough
•
•
•
•
Memastikan terjadinya zero defect untuk mewujudkan hasil terbaik
Melaksanakan proses bisnis secara benar/sesuai standard operation
procedure (SOP).
Melakukan review SOP secara berkesinambungan untuk memastikan
bahwa SOP tersebut sesuai dengan perkembangan perusahaan dan
industri
Ensuring that zero defect happens in order to achieve the best result
Conducting correct business process according to Standard Operation
Procedure (SOP)
Conducting synergized SOP review to ensure that the SOP has been in
accordance with company and industry’s development.
Mempelajari praktek bisnis terbaik lewat bacaan, sharing session,
pelatihan, magang, atau kunjungan ke unit kerja/perusahaan terbaik
Menceritakan praktek bisnis terbaik yang dipelajari kepada rekan kerja
dalam satu divisi/ perusahaan
Menerapkan praktek bisnis terbaik di lingkungan kerjanya, yang dapat
meningkatkan kemajuan perusahaan
Learning best business practice through sharing session, training,
internship, or working unit visit/best company.
Sharing best business practice learned to colleagues in a division/
Company.
Implementing best business practice in its working environment, that can
develop Company’s growth.
Merancang ulang dan/atau secara terus menerus melakukan
perbaikan proses bisnis yang dibutuhkan
Melaksanakan pengembangan inisiatif baru yang dapat meningkatkan
kinerja individu, unit kerja dan perusahaan
Redesigning and/or continuously conducting needed business process
Conducting new initiative development to improve individual working
performance, working unit, and companies
Annual Report 2014 | PT. BANK SINARMAS Tbk.
387
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
6
Loyal
Menumbuhkembangkan
semangat untuk mengerti,
memahami dan
melaksanakan
nilai-nilai perusahaan
sebagai bagian
dari Keluarga Besar Sinar
Mas./ Growing spirit to
understand, comprehend,
and apply company’s
values as part of Sinarmas
big family.
Fraternity
•
•
•
•
Pride
•
Protecting Company’s good reputation in every opprtunity, in or
outside the Company
Maintaining Company’s interests/information/resources/asset at best
effort in every condition and would not be willing to hand them to
unrelated parties.
•
Merekomendasikan orang-orang yang berpotensi untuk bergabung
dengan perusahaan
Menceritakan hal-hal yang positif mengenai perusahaan dalam setiap
kesempatan
Menjadi ‘role model’ dari penerapan nilai-nilai perusahaan
•
•
•
Giving recommendation of potential individuals to join the Company
Spreading positive things about company in every opportunity
Being a role model in applying Company’s values
•
Melihat setiap tugas/pekerjaan sebagai hal penting yang bermanfaat bagi
kemajuan Perusahaan
Menunjukkan usaha cerdas dan kertas dalam melaksanakan pekerjaan
•
Dedication
Menjaga nama baik perusahaan pada setiap kesempatan, dimanapun
berada, di dalam maupun di luar perusahaan.
Menjaga kepentingan/informasi/sumber daya/asset perusahaan dengan
sebaik-baiknya dan dalam kondisi apapun, tidak akan pernah
memberikannya kepada pihak manapun yang tidak berkepentingan
•
•
•
Seeing that every duty/assignment is beneficial and important matter for
Company’s growth
Demonstrating clever efforts in conducting their duties.
SISTEM
PELAPORAN
PELANGGARAN
WHISTLEBLOWING
SYSTEM
Berdasarkan peraturan Bapepam Nomor: KEP-431/BL/2012
tanggal 1 Agustus 2012 perihal penyampaian Laporan Tahunan
Emiten atau Perusahaan Publik, Perseroan wajib melaporkan
sistem pelaporan pelanggaran yang dimiliki. Perseroan juga telah
Based on BAPEPAM Regulation No:KEP-431/BL/2012 dated
August 1, 20012 regarding Annual Report of Issuer or Public
Company, the Company must report violation reporting system.
The Company has also issued Whistleblowing policy on November
7, 2012 through SE.023/2012/PRESDIR-SKAI.
mengeluarkan kebijakan Whistle Blowing pada 7
November 2012 melalui SE.023/2012/PRESDIR-SKAI.
Program Whistleblowing
Whistleblowing merupakan salah satu sarana yang efektif dalam
membantu mengungkap adanya kejadian fraud dan penyimpangan
lainnya. Manajemen 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 untuk
dapat dilakukan langkah-langkah penyempurnaan sistem
pengendalian internal. Hal yang diatur melalui mekanisme ini
mencakup proses pelaporan, tindak lanjut atas pelaporan, proses
komunikasi dan program perlindungan bagi whistleblower.
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PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Whistleblowing Program
Whistleblowing is one of effective tools to disclose fraud and other
irregularities. Management requires all levels of business unit to
consistently conduct a tight and multi-level supervisory, and to
apply a policy which provides channels for complains as an early
warning to improve an internal controlling system. The mechanism
includes reporting process, following up on the report,
communication process and protection for the whistleblower.
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
Pelaporan Whistleblowing
Pelaporan yang diperoleh dari mekanisme Whistleblower perlu
mendapatkan perhatian dan tindak lanjut, termasuk pengenaan
hukuman yang tepat agar dapat memberikan efek jera bagi pelaku
penyimpangan/pelanggaran dan juga bagi mereka yang terpikir
melakukan hal tersebut. Oleh sebab itu, setiap informasi/laporan
yang diterima dengan lampiran bukti-bukti akan ditangani dan
ditindaklanjuti secara profesional, dengan menugaskan Tim Audit
dan Anti Fraud untuk melakukan investigasi/observasi kebenaran
informasi yang dilaporkan tersebut apabila dianggap perlu.
Pelaporan dapat disampaikan langsung oleh karyawan melalui
media surat tertutup, email kepada Atasan langsung, SKAI, Anti
Fraud dan media Loss Event Database (LED) yang dimonitor
langsung oleh SKMR.
Perlindungan bagi Pelapor
Untuk memberikan perlindungan kepada pemberi infomasi/
pelapor, Manajemen akan menjamin kerahasiaan identitas pelapor,
sehingga karyawan mendapatkan kebebasan untuk melaporkan
adanya tindakan penyimpangan/pelanggaran. Manajemen akan
memberikan penghargaan kepada karyawan yang memberikan
pengaduan peyimpangan/pelanggaran, apabila pengaduan yang
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
Whistleblowing Report
A report by a Whistleblower needs to be followed up, including the
infliction of proper punishment in order to provide a deterrent
effect for the offender and for those who consider to do the same
frauds.Therefore, each submitted information/ report is followed
up professionally, and if it is necessary an Audit Team will be
assigned to investigate/observe the submitted information. The
report can be submitted by the employee by a sealed letter, email to
Directors and the Internal Audit Working Unit and the Loss Event
Database (LED) medium, which is monitored directly by the Risk
Management Working Unit.
Whistleblower Protection
To protect whistleblower, management guarantee the
confidentiality of the whistleblower identity, so that employees are
free to report any act of infringements/frauds. If the report is
proven true, the management will provide awards to the employee,
who delivers the report on frauds/violations.
disampaikan terbukti benar.
Handling of Complaints
Penanganan Pengaduan
Tindak lanjut laporan yang disampaikan oleh whistleblower dan
mekanisme penanganannya dilakukan oleh Divisi Anti Fraud.
Pihak Pengelola Pengaduan
Untuk memastikan bahwa setiap pelaporan ditangani sesuai dengan
ketentuan yang berlaku, maka pengelolaan pengaduan dilakukan
oleh Divisi Anti Fraud.
Hasil dari Penanganan Pengaduan
Hasil dari penanganan pengaduan disampaikan oleh Divisi Anti
Fraud kepada manajemen yang memuat kesimpulan dari hasil
penanganan, serta rekomendasi perbaikan sistem pengendalian
internal yang masih dinilai terdapat kelemahan dan
juga
rekomendasi pemberian sanksi atas petugas- petugas terkait
kelemahan yang ditimbulkan. Penanganan dari kasus yang
dilaporkan dimaksudkan dalam rangka untuk memperkuat sistem
pengendalian intern, serta memotivasi seluruh pihak/karyawan
untuk
menghindari
kegiatan/transaksi
yang
dapat
berpotensi/berakibat
merugikan
perusahaan
mengganggu perusahaan beroperasi secara aman.
atau
The report delivered by a whistleblower is followed up and handled
by the Anti Fraud Division.
Management of Complaints
To ensure that every complaint is handled according to existing
regulation, the management of complaints is carried out by Anti
Fraud Division.
Result on the Handling of Complaints
Result on the complaints handling were submitted by the
FDILT to the management, which contains summary on the
handling, recommendation to improve the weakness of internal
controlling system and recommendation of sanction to officers
related to the respective matters. The handling of the reported case
aims to strengthen the internal controlling system, motivate all
parties/employees to avoid activities/transactions that are prone to
bring loss to the company and disturb the company’s operational.
dapat
Annual Report 2014 | PT. BANK SINARMAS Tbk.
389
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
PENYIMPANGAN
INTERNAL
INTERNAL
FRAUD
Dalam rangka memenuhi Surat Edaran Bank Indonesia No.
13/28/DPNP tanggal 9 Desember 2011 perihal Penerapan Strategi
In fulfilling Circular Letter of Bank Indonesia No. 13/28/DPNP
dated December 9, 2011 regarding Implementation of Anti- Fraud
Anti Fraud bagi Bank Umum, serta sebagai salah satu bagian dari
penyempurnaan Kebijakan Sistem Pengendalian Intern Bank,
Perseroan mengeluarkan kebijakan penerapan strategi anti fraud
melalui Surat Keputusan No.SK.007/2012/ PRESDIR-SKAI
Strategy for Commercial Bank, and as one of enhancement parts of
Internal Bank Controlling System Policy, the Company issued
policy of Anti-Fraud strategy implementation through Decree
No.SK.007/2012/PRESDIR-SKAI regarding Policy of AntiFraud Management dated June 1, 2012. This is one of a
commitments of Bank management in controlling fraud
implemented in the form of fraud controlling system. Until now,
Bank Sinarmas has several anti-fraud strategy determined in every
policy, SOP, operational technical guidance, and other regulations.
tentang Kebijakan Anti Fraud Management tanggal 1 Juni 2012.
Ini merupakan wujud komitmen manajemen Bank dalam
mengendalikan fraud yang diterapkan dalam bentuk sistem
pengendalian fraud. Selama ini, Bank Sinarmas telah memiliki
strategi anti-fraud yang diatur pada setiap Kebijakan, Standar
Operasional Prosedur, Petunjuk Teknis Operasional, dan
pengaturan lainnya.
Anti-Fraud Strategy includes as follows:
Strategi Anti-Fraud mencakup hal-hal sebagai berikut:
1. Prevention Pillar
1. Pilar Pencegahan
Mencegah tindak fraud lebih mudah dari pada menginvestigasi
kasus tindakan fraud. Pencegahan tindak fraud merupakan
tanggung jawab seluruh jajaran Bank dan merupakan bagian
dari Sistem Pengendalian Fraud dalam rangka mengurangi
potensi terjadinya fraud.
Pelaksanaan fungsi pencegahan meliputi:
a. Penerapan Know Your Employee (KYE) yang dilakukan
sejak:
- Penerimaan karyawan, yang harus dilakukan adalah
Preventing fraud actions is easier than investigating fraud
action cases. Prevention of fraud is responsibility of all Bank
managements and part of Fraud Control System in order to
decrease potential of fraud.
Implementation of prevention functions are as follows:
a. Implementation of Know Your Employee that is
conducted since:
- Acceptance of employees, what to do is to check the
identity of the candidates, match the address, with
whom they live. If they have ever worked in other
companies, confirm to their previous companies, do BI
checking, and check the track record.
periksa identitas calon yang jelas, melakukan
pencocokan alamat, dengan siapa tinggal. Jika pernah
bekerja di tempat lain, lakukan konfirmasi ke tempat
-
-
kerja sebelumnya, lakukan BI Checking, serta periksa
track recordnya.
Pada masa kerja, lakukan rotasi secara berkala,
hindari rangkap jabatan, kewajiban cuti, pelatihan yang
berkelanjutan, kenali gaya hidupnya (life style), seorang
pimpinan harus mengetahui gaya hidup stafnya.
Pada
saat
seorang
karyawan
resign,
cek
-
During the working period, do the rotation regularly,
avoid concurrent position, furlough obligation, ongoing
training, identify their lifestyle, a leader should know
the lifestyle of its staff.
kewajibannya kepada bank, konfirmasi ke HCM dan
penuhi haknya.
Pelaksanaan sosialisasi “fraud awareness” secara
When an employee resignes, check his/her
obligations to the bank, confirm to HCM and fulfill
their rights.
b. Socialization
implementation
of
“fraud
awareness”
berkelanjutan, pembinaan keimanan, membudayakan
saling mengenal diantara stafnya.
c. Membudayakan semangat Zero Tolerance To Fraud
continuously, belief training, knowing each other among its
staff.
c. To grow the spirit of Zero Tolerance Fraud (not tolerate acts of
(tidak mentolerir tindak fraud), salah satu caranya dengan
membacakan deklarasi anti fraud pada morning briefing.
fraud), one of ways is to read the declaration of anti- fraud
on the morning briefing.
b.
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PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
-
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
d. Setiap
karyawan
baru
wajib
membaca
dan
menandatangani deklarasi anti fraud.
e. Mengidentifikasi kerawanan di lingkungan kerja.
2. Pilar Deteksi
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
d. Each new employee must read and sign a declaration of antifraud.
e. Identifying vulnerabilities in working environment.
2. Detection Pillar
Suatu tindak fraud akan segera diketahui dengan cepat atau
lambat oleh orang yang ada di sekitarnya. Mendeteksi aktifitas
An act of fraud will be known sooner or later by people around
him/her. The fastest detections potential fraud activities are
yang perpotensi fraud paling cepat adalah rekan kerja dan
atasan dari pelaku. Pilar deteksi meliputi hal-hal sebagai
berikut:
a. Pilar ini merupakan Sistem pengendalian Fraud dalam
coworkers, supervisor or customer. Pillars of detection include
the following:
rangka mengidentifikasi dan menemukan fraud dalam
kegiatan usaha Bank.
b. Meliputi Kebijakan dan mekanisme Whistle Blowing
(SE.023/2012/PRESDIR-SKAI tanggal 7 Juni 2012),
Surprise Audit dan Surveillance System.
c. Penanggung jawab terhadap pilar deteksi adalah
seluruh unit kerja, baik first line of defense, second of
defense maupun third line of defense. Jika kejadian fraud
sudah terdeteksi, maka atasan dari pelaku/rekan kerja/
seluruh Stakeholder wajib melaporkan ke SKAI, maupun
Divisi anti Fraud atau langsung ke Infokan@
banksinarmas.com yang dikelola oleh Divisi Anti Fraud.
d. Untuk Surprise Audit dan Surveillance Audit merupakan
bagian dari Internal Control yang merupakan program
SKAI.
3. Pilar Investigasi, Pelaporan & Sanksi
Merupakan tanggung jawab dari Divisi Anti Fraud dan bagian
dari Sistem Pengendalian Fraud dalam rangka penanganan
fraud yang terjadi melalui investigasi dan hasilnya dilaporkan
kepada Direktur Utama, Dewan Komisaris, OJK dan Bank
Indonesia, termasuk usulan pengenaan sanksi bagi para pelaku
fraud.
4. Pilar Pemantauan, Evaluasi & Tindak Lanjut
Merupakan tanggung jawab dari Divisi Anti Fraud dan bagian
dari Sistem Pengendalian Fraud dalam rangka monitoring atas
a. This pillar is Fraud Control System that aims to identify
and find fraud in Bank business activities.
b. Including policies and mechanism of Whistleblowing
(SE.023/2012/PRESDIR-SKAI dated June 7, 2012),
Surprise Audit and Surveillance System.
c. Person in charge of detection pillars is the entire unit,
both first line of defense, second and third line of defense
of defense. If fraud has been detected, then the
supervisor/co-workers/all stakeholders must report to the
Internal Auditor, as well as anti-fraud division or
directly to [email protected] managed by AntiFraud Division.
d. Surprise Audit and Surveillance Audit are parts of the
Internal Control which is an Internal Audit program.
3. Investigation, Reporting & Sanction Pillar
Is the responsibility of the Director of Internal Audit and Fraud
Control Systems in order to handle fraud that occurs through
the investigation and the results are reported to the Director, the
Board of Commissioners, the Financial Services Authority and
Bank Indonesia, including the proposed sanctions for actor of
fraud.
4. Monitoring, Evaluating & Following-up Pillar
tindak lanjut hasil investigasi dan evaluasi kejadian fraud
untuk memperbaiki kelemahan-kelemahan dan memperkuat
Sistem Pengendalian Intern, agar dapat mencegah terulangnya
kembali fraud karena kelemahan yang serupa.
Is the responsibility of the Director of Internal Audit and part
of Fraud Control Systems in monitoring the followed- up
results of the investigation and evaluation of the fraud to
enhance weaknesses and strengthen the Internal Control
System, in order to prevent the recurrence of frauds because of
similar weakness.
Kebijakan strategi anti fraud Bank Sinarmas merupakan wujud
komitmen Bank Sinarmas dalam mengendalikan fraud, dengan
tidak memberikan toleransi (zero tolerance) pada setiap bentuk
fraud, baik yang berasal dari internal maupun eksternal Bank
Sinarmas.
Anti-fraud policy strategy is a commitment of Sinarmas Bank Bank
Sinarmas in controlling fraud, by giving no tolerance (zero
tolerance) in any form of fraud, both from internal and external of
Bank Sinarmas.
Annual Report 2014 | PT. BANK SINARMAS Tbk.
391
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
Sesuai dengan Surat Edaran Bank Indonesia No. 15/15/DPNP
tanggal 29 April 2013 perihal Pelaksanaan Good Corporate
Governance bagi Bank Umum, yang dimaksud dengan internal
fraud adalah penyimpangan/kecurangan yang dilakukan oleh
pengurus, pegawai tetap dan tidak tetap (honorer dan
outsorcing) terkait dengan proses kerja dan kegiatan operasional
Bank yang mempengaruhi kondisi keuangan Bank secara
signifikan. Yang dimaksud dengan mempengaruhi kondisi
keuangan Bank secara signifikan adalah apabila dampak
penyimpangan lebih dari Rp100.000.000 (seratus juta rupiah).
In accordance with Circular Letter of Bank Indonesia No.15/15/
DPNP dated April 29, 2013 regarding the implementation of Good
Corporate Governance for Commercial Bank, internal fraud relates
to any deviation/dishonest behavior committed by management,
permanent and nonpermanent employees (contract basis and
outsourcing) related to the Bank’s operational process and activities
with significant impact to the Bank’s financial condition. Impacting
significantly to the Bank’s financial condition means the fraud
impact is more than IDR
100,000,000,- (One hundred million rupiahs). In general, any
Secara umum tindakan penyimpangan atau kecurangan yang
dilakukan oleh pihak intenal Bank merupakan pelanggaran
terhadap integritas serta penyelewengan kewenangan.
deviation/dishonest behavior committed by internal parties of Bank
Menindaklanjuti Surat Edaran Bank Indonesia No.13/28/DPNP
As a follow-up to Circular Letter of Bank Indonesia No.13/28/
tertanggal 9 Desember 2011 perihal Penerapan Strategi Anti Fraud
bagi Bank Umum, maka dikeluarkan kebijakan penerapan strategi
anti fraud melalui Surat Keputusan No.SK.007/2012/ PRESDIRSKAI tentang Kabijakan Anti Fraud Management pada
1 Juni 2012. Ini merupakan wujud komitmen manajemen Bank
DPNP dated December 09, 2011 regarding the Implementation of
Anti-Fraud Strategies for Commercial Bank, Bank Sinarmas issued
anti-fraud policy through the issuance of Decree No.
SK.007/2012/PRESDIR-SKAI dated June 1, 2012. It is a form
of commitment of Bank management in controlling fraud
implemented in the form of fraud control system.
dalam mengendalikan fraud yang diterapkan dalam bentuk sistem
pengendalian fraud.
Sesuai dengan pelaporan ke Bank Indonesia berdasarkan Laporan
Fraud Semester I dan Semester II tahun 2014, maka jumlah kasus
penyimpangan
internal
(internal
fraud)
dengan
kerugian/penyimpangan diatas Rp100 juta selama periode
were a violation towards
integrity and authority deviation.
In accordance with the report issued to Bank Indonesia based on
Fraud Report 1st Semester and 2nd Semester in 2014, the total
internal fraud cases with loss/deviation above IDR 100 million
during 2014 was 1 (one) case as described below:
2014 adalah 1 (satu) kasus, sebagaimana dijelaskan dalam
tabel berikut:
Jumlah Kasus yang Dilakukan oleh / Number of case committed by
Internal Fraud
Pengurus / Management
Pegawai Tetap /
Permanent Employee
Pegawai Tidak Tetap
/ Non-Permanent
Employee
2013
2014
2013
2014
2013
2014
Fraud
Nihil
Nihil
2 (dua)
Nihil
Nihil
1 (satu)
Telah terselesaikan / Settled
Nihil
Nihil
2 (dua)
Nihil
Nihil
1 (satu)
Dalam proses penyelesaian di internal Bank /
Under internal settllement process
Nihil
Nihil
Nihil
Nihil
Nihil
1 (satu)
Belum diupayakan penyelesaiannya /
Pending follow-up actions
Nihil
Nihil
Nihil
Nihil
Nihil
Nihil
Telah ditindaklanjuti melalui proses hukum /
Under litigation process
Nihil
Nihil
Nihil
Nihil
Nihil
Nihil
392
PT. BANK SINARMAS Tbk. | Laporan Tahunan 2014
Kilas Kinerja 2014
Flashback Performance of 2014
Laporan Manajemen
Report of Management
PRAKTIK BAD
CORPORATE
GOVERNANCE
Profil Perusahaan
Company Profile
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
BAD CORPORATE
GOVERNANCE PRACTICE
Throughout 2014, the Bank did not conduct any matters related to
Selama 2014, Bank tidak melakukan segala hal yang berkaitan
dengan praktik-praktik bad corporate governance. Praktik ini
cenderung akan merusak sistem tata kelola yang telah dibangun
Bank Sinarmas. Adapun informasi yang dapat dihimpun Bank
bad corporate governance practice. This practice has the
tendency to damage the corporate governance system built by Bank
Sinarmas. The information collected by the Bank regarding this
matter is as follows:
mengenai hal ini adalah sebagai berikut :
No
1
Praktik /
Keterangan / Description
Practice
Adanya laporan sebagai Perusahaan yang mencemari lingkungan / Report as Company that causes
environmental pollution
Nihil
Perkara penting yang sedang dihadapi Perusahaan, entitas anak, Anggota Direksi dan/atau Anggota
2
Dewan Komisaris yang sedang menjabat yang tidak diungkapkan dalam laporan tahunan / Legal cases
faced by the Company, subsidiary, members of the Board of Directors and/or acting members of the
Nihil
Board of Commissioners not disclosed in the annual report
3
4
Ketidakpatuhan dalam pemenuhan kewajiban perpajakan / Non compliance with the taxation regulation
Ketidakpastian penyajian laporan keuangan dengan PSAK / Uncertainties in the presentation of the
financial reporting by PSAK
KEBERAGAMAN KOMPOSISI
DEWAN PENGAWAS DAN
DIREKS
Nihil
Nihil
usia serta atas dasar prinsip anti diskriminasi.
Kualitas setiap individu Bank Sinarmas merupakan faktor
yang signifikan dalam menunjang kemajuan Bank di masa
mendatang. Kualitas ini dapat dilihat baik dari segi keterampilan,
kompetensi maupun etos kerja yang dipandang sebagai kunci
utama keberhasilan dan kemajuan Bank. Kualitas tersebut tentunya
harus dimiliki oleh para pimpinan Perusahaan. Oleh karena itu,
Bank memandang perlu adanya keterampilan yang beragam untuk
mendukung peningkatan kompetensi, guna memenuhi kelengkapan
keahlian yang diperlukan dalam jajaran kepemimpinan, khususnya
bagi jajaran Dewan Komisaris serta Direksi.
Pelaksanaan tata kelola perusahaan dirancang untuk menciptakan
iklim yang mendorong adanya partisipasi konkret seluruh
pemangku kepentingan serta adanya keberagamanan dalam
susunan komposisi Dewan Komisaris maupun Direksi.
Keberagaman ini diwujudkan melalui pembentukan komposisi
Dewan Komisaris maupun Direksi yang memenuhi berbagai aspek
yang diperlukan baik dari segi kualifikasi akademis, keterampilan,
Annual Report 2014 | PT. BANK SINARMAS Tbk.
393
Tinjauan Unit-Unit Bisnis
Overview of Business Units
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility
Tata Kelola Perusahaan
Good Corporate Governance
Laporan Keuangan Konsolidasi
Consolidated Financial Statement
DIVERSITY
OF
THE
COMPOSITION OF THE BOARD
OF SUPERVISORS AND BOARD
OF DIRECTORS
The quality of each individual of Bank Sinarmas is a significant
factor that support the Bank’s progress in the future. This quality
can be seen from the skills, competency, and working ethos
considered as the main key to success and progress of the Bank.
The qaulity certainly has to be possessed by all leaders of the
Company. Therefore, the Bank sees that there should be various
skills to support the increase in the competency to fulfill the
completeness of the expertise needed for the top management,
especially the Board of Commissioners and the Board of Directors.
The implementation of corporate governance is designed to
create a climate that supports the real participation of all
stakeholders and diversit inthe composition of the Board of
Commissioners and the Board of Directors that fulfills various
aspects needed for qualification in academics, skills, age, and on
the basis of anti-discriminator principles.
Annual Report 2014 | PT. BANK SINARMAS Tbk.
394