Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.
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KILAS KINERJA 2015 Flashback Performance of 2015 322 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Tata Kelola Perusahaan Good Corporate Governance Annual Report 2015 | PT. BANK SINARMAS Tbk. 323 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Bank Sinarmas berkomitmen untuk senantiasa memberikan nilai tambah bagi para pemangku kepentingan. Salah satu kunci utama yang mendukung komitmen tersebut adalah penerapan prinsip tata kelola perusahaan yang baik secara konsisten dan konsekuen serta menjadikannya sebagai budaya kerja yang berlaku di dalam Perusahaan. Bank Sinarmas is committed to continuously providing added value to all Stakeholders. One of the keys to supporting this commitment is by consistently and responsible implementing good corporate governance principles and developing it as a working culture in the Company. 324 324 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Tata Kelola Perusahaan Good Corporate Governance DASAR PENERAPAN TATA KELOLA PERUSAHAAN BASIS OF CORPORATE GOVERNANCE IMPLEMENTATION Pemahaman atas pentingnya penerapan prinsip-prinsip Bank Sinarmas’ implementation of GCG best practices to tata kelola perusahaan yang baik atau Good Corporate achieve a sustainable and long-term business goals is rooted Governance (GCG) mendasari Bank Sinarmas untuk from the Bank’s understanding on the importance of good melaksanakan praktik GCG terbaik guna mencapai tujuan corporate governance (GCG) principles. Bank Sinarmas is bisnis jangka panjang yang berkesinambungan. Bank Sinarmas committed to enforcing GCG principles as a benchmark in all berkomitmen untuk menjadikan prinsip-prinsip GCG sebagai levels of the organization. Bank Sinarmas also realizes that acuan di seluruh tingkatan dan jenjang organisasi. Bank consistent implementation of GCG principles will enhance the Sinarmas juga menyadari bahwa terlaksananya prinsip-prinsip Company’s competitive edge, increase its performance, as well GCG secara konsisten akan memperkuat posisi daya saing, as trusts from the shareholders and Stakeholders. meningkatkan kinerja serta meningkatkan kepercayaan para pemegang saham dan Stakeholders lainnya. Dasar implementasi GCG Bank Sinarmas berpedoman pada The basis of GCG implementation at Bank Sinarmas is in line ketentuan-ketentuan sebagai berikut: with the following regulations: 1. Undang-Undang Republik Indonesia 1. Laws of the Republic of Indonesia • Undang-undang Republik Indonesia No. 10 Tahun 1998 tentang perubahan atas Undang-undang No. 7 • Law of the Republic of Indonesia No.10 Year 1998 on amendment to Law No.7 year 1992 on Banking. tahun 1992 tentang Perbankan • Undang-undang Republik Indonesia No. 40 Tahun 2007 tentang Perseroan Terbatas 2. Peraturan Bank Indonesia • Peraturan Bank Indonesia No.8/4/PBI/2006 tanggal 30 • Law of the Republic of Indonesia No.40 Year 2007 on Limited Liability Company. 2. Bank Indonesia Regulation • Bank Indonesia Regulation No.8/4/PBI/2006 dated Januari 2006 Tentang Pelaksanaan Good Corporate January 30, 2006 on Good Corporate Governance Governance bagi Bank Umum jo. Peraturan Bank By Commercial Banks as amended by Bank Indonesia Indonesia No.8/14/PBI/2006 Tanggal 05 Oktober 2006 Regulation No.8/14/PBI/2006 dated October 05, 2006 Tentang Pelaksanaan Good Corporate Governance on Implementation of Good Corporate Governance for Bagi Bank Umum Commercial Banks • Peraturan bank Indonesia No.11/33/PBI/2009 Tanggal • Bank Indonesia Regulation No.11/33/PBI/2009 dated 7 Desember 2009 Tentang Pelaksanaan Good December 7, 2009 on The Implementation of Good Corporate Governance bagi Bank Umum Syariah dan Corporate Governance by Islamic Commercial Banks Unit Usaha Syariah and Islamic Business Units • Surat Edaran Bank Indonesia No.15/15/DPNP Tanggal 29 April 2013 perihal Pelaksanaan Good Corporate Governance bagi Bank Umum • Surat Edaran Bank Indonesia No.12/13/DPbS Tanggal • Bank Indonesia Circular Letter No.15/15/DPNP dated April 29, 2013 concerning The Implementation of Good Corporate Governance for Commercial Banks • Bank Indonesia Circular Letter No.12/13/DPbS dated 30 April 2010 perihal Pelaksanaan Good Corporate April 30, 2010 concerning The Implementation of Governance bagi Bank Umum Syariah dan Unit Usaha Good Corporate Governance for Islamic Commercial Syariah Banks and Islamic Business Units Annual Report 2015 | PT. BANK SINARMAS Tbk. 325 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report 3. Peraturan Otoritas Jasa Keuangan • Peraturan Otoritas Jasa Keuangan No.18/POJK.03/2014 PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis 3. Financial Services Authority Regulation • Financial Service Authority Regulation No.18/ Tanggal 18 November 2014 Tentang Penerapan Tata POJK.03/2014 dated November 18, 2014 on The Kelola Terintegrasi bagi Konglomerasi Keuangan Implementation of Integrated Governance for Financial Conglomerate • Peraturan Otoritas Jasa Keuangan No.21/POJK.04/2015 Tanggal 16 November 2015 Tentang Penerapan Pedoman Tata Kelola Perusahaan terbuka 4. Pedoman GCG Komite Nasional Kebijakan Governance • Financial Services Authority Regulation No.21/ POJK.04/2015 dated November 16, 2015 on The Implementation of Public Corporate Governance 4.GCG Guideline from National Committee on Governance Policy • Pedoman GCG Indonesia yang dikembangkan oleh Komite Nasional Kebijakan Governance • Pedoman GCG Perbankan Indonesia yang dikembangkan oleh Komite Nasional Kebijakan • Indonesia GCG Guideline developed by National Committee on Governance Policy • GCG Guideline for Indonesian Banking developed by National Committee on Governance Policy Governance Bank Sinarmas telah melaksanakan sistem tata kelola Bank Sinarmas has conducted good corporate governance perusahaan yang baik sehingga Manajemen dapat system that enables the Management to hold responsible mempertanggungjawabkan akuntabilitas keuangan, to its financial accountability, transparency, and attitude transparansi dan perilaku yang sesuai dengan kode etik that reflects code of conduct toward the Stakeholders kepada para pemangku kepentingan melalui penentuan through their determination on business strategies and strategi bisnis dan keputusan-keputusan penting yang strategic decisions that they will monitor. The highest organ diawasinya. Organ tertinggi tata kelola perusahaan adalah of corporate governance is GMS, which has the power to RUPS, yang dapat menunjuk Dewan Komisaris untuk appoint Board of Commissioners to monitor the Board of memantau pelaksanaan tugas Direksi dalam mengawasi Directors’ duty implementation on company management. pengelolaan perusahaan. PRINSIP-PRINSIP TATA KELOLA CORPORATE GOVERNANCE PRINCIPLES Sebagai lembaga intermediasi dan lembaga kepercayaan, As an intermediary and trusted institution, and in running its dalam melaksanakan kegiatan usaha Bank Sinarmas business activities, Bank Sinarmas adheres to the transparency menganut prinsip keterbukaan (transparency); memiliki principles; has performance indicators in place that are indikator kinerja berdasarkan ukuran-ukuran yang konsisten based on parameters which are in line with the Bank’s dengan corporate values; sasaran usaha dan strategi sebagai corporate values; has business targets and strategies as a pencerminan akuntabilitas Bank Sinarmas (accountability); form of accountability of Bank Sinarmas; upholds prudential berpegang pada prudential banking practices dan menjamin banking practices and ensures the Bank’s enforcement of the dilaksanakannya ketentuan yang berlaku sebagai wujud applicable regulations as part of its responsibility; strives to tanggung jawab Bank Sinarmas (responsibility); objektif dan be objective and free from the pressure from any parties in bebas dari tekanan pihak manapun dalam pengambilan making decision (independency); and continues to take into keputusan (independency); serta senantiasa memperhatikan account the interest of all Stakeholders based on fairness kepentingan seluruh Stakeholders berdasarkan asas principle. kesetaraan dan kewajaran (fairness). 326 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Keterbukaan Transparency Akuntabilitas Independensi Accountability Independency Prinsip GCG Pinciple GCG Kewajaran Fairness PertanggungJawaban Responsibility Prinsip-prinsip GCG menjadi perangkat standar yang bertujuan GCG principles are a basic standard to improve image, untuk memperbaiki citra, efisiensi, efektivitas, dan tanggung efficiency, effectiveness, and social responsibility of Bank jawab sosial Bank Sinarmas. Secara umum, prinsip-prinsip Sinarmas. Generally, GCG pirnciples implemented by Bank GCG yang diterapkan oleh Bank Sinarmas tercermin dalam Sinarmas are reflected on the following aspects: aspek-aspek berikut: • Keterbukaan • Transparency Bank Sinarmas berkomitmen untuk memberikan informasi Bank Sinarmas is committed to providing information secara jelas, terbuka, dan akurat demi kepentingan clearly, transparently, and accurately for its Stakeholders pemegang saham dan Stakeholders. Proses keterbukaan and shareholders. The Bank’s transparency practices tersebut tetap memperhatikan ketentuan terkait rahasia maintain confidentiality aspects, such as the bank’s Bank, rahasia jabatan, dan hak-hak pribadi sesuai dengan confidential information, confidential position, and peraturan yang berlaku. Prinsip ini diterapkan oleh Bank personal rights, according to the existing rules. This Sinarmas dengan menyediakan informasi secara tepat principle is carried out by Bank Sinarmas by providing waktu, memadai, jelas, akurat dan dapat diperbandingkan information in a timely, proper, clear, accurate, and serta mudah diakses oleh Stakeholders sesuai dengan comparable manner, which is also accessible to the haknya. Selain itu, informasi yang diberikan meliputi Stakeholders, for the sake of fulfilling their rights. In namun tidak terbatas pada hal-hal yang bertalian dengan addition, the given information includes but not limited to visi, misi, sasaran usaha dan strategi perusahaan, kondisi matters relating with the vision, mission, business targets keuangan, susunan dan kompensasi pengurus, pemegang and corporate strategies, financial condition, composition saham pengendali, cross shareholding, pejabat eksekutif, and compensation of the boards, the controlling Annual Report 2015 | PT. BANK SINARMAS Tbk. 327 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis pengelolaan risiko (risk management), sistem pengawasan shareholders, cross shareholding, executive officials, risk dan pengendalian intern, status kepatuhan, sistem dan management, supervisory and internal control system, pelaksanaan GCG serta kejadian penting yang dapat compliance status, GCG system and implementation, and mempengaruhi kondisi Bank. significant events that may affect the Bank’s condition. • Akuntabilitas • Accountability Dengan menerapkan prinsip akuntabilitas maka fungsi, By implementing accountability principle, the functions, tugas, wewenang dan pertanggungjawaban di setiap duties and responsibilities of each organ of the Bank masing-masing organ Bank akan semakin jelas. Bank will be a lot clearer. Bank Sinarmas applies this principle Sinarmas menerapkan prinsip ini dengan memastikan by ensuring that the check and balance system is in terdapatnya check and balance system dalam pengelolaan place in the Bank’s management, and that the Bank has Bank serta memiliki ukuran kinerja berdasarkan ukuran- performance indicators that are based on the agreed ukuran yang disepakati konsisten dengan nilai perusahaan parameters which are in line with the corporate values. (corporate values). • Pertanggungjawaban • Responsibility Perusahaan mematuhi peraturan perundang-undangan The Company complies with the prevailing rules and serta melaksanakan tanggung jawab terhadap regulations and conducts its responsibilities to the masyarakat dan lingkungan sehingga dapat memelihara community and environment, so that it can maintain kesinambungan usaha dalam jangka panjang dan its business continuity for the long term and obtain mendapat pengakuan sebagai good corporate citizen. acknowledgement as a good corporate citizen. Bank Bank Sinarmas juga menerapkan prinsip ini dengan Sinarmas also implements this principle by taking into berpegang pada prinsip kehati-hatian (prudential banking account prudential banking principles while ensuring its practices) dan menjamin dilaksanakannya ketentuan yang compliance with the prevailing regulations. berlaku. • Independensi • Independency Untuk melancarkan pelaksanaan asas GCG, Perusahaan In order to improve the implementation of GCG principles, dikelola secara independen sehingga masing-masing the Company is managed independently; thus each organ organ perusahaan selalu berusaha untuk objektif dalam of the Company strives to be objective in making any setiap pengambilan keputusan serta mengedepankan decisions, upholds professionalism, independency and profesionalisme, kemandirian, dan objektivitas agar objectivity in order not to dominate each other and be tidak saling mendominasi dan tidak dapat diintervensi intervened by another party. Bank Sinarmas continues to oleh pihak lain. Bank Sinarmas senantiasa menghindari prevent the occurrence of unfair domination from any terjadinya dominasi yang tidak wajar oleh Stakeholders Stakeholders, strive to not to be influenced by one-sided manapun dan tidak terpengaruh oleh kepentingan interest, and free from conflict of interest. sepihak serta bebas dari benturan kepentingan (conflict of interest). • Kesetaraan • Fairness Dalam melaksanakan kegiatan usaha, Perusahaan In conducting business activities, the Company senantiasa memperhatikan kepentingan pemegang saham continuously prioritizes the interest of shareholders dan pemangku kepentingan lainnya berdasarkan asas and other Stakeholders based on fairness and equality kewajaran dan kesetaraan. Bank Sinarmas memberikan principles. Bank Sinarmas provides the opportunity to all kesempatan kepada seluruh Stakeholders untuk Stakeholders to give their input and opinion for the Bank’s memberikan masukan dan menyampaikan pendapat interest and to have access to information, as suggested bagi kepentingan Bank serta mempunyai akses terhadap by the transparency principle. informasi sesuai dengan prinsip keterbukaan. 328 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement IMPLEMENTASI TATA KELOLA CORPORATE GOVERNANCE IMPLEMENTATION Bank Sinarmas selalu berusaha menerapkan prinsip-prinsip Bank Sinarmas continuously attempts to apply GCG principles GCG di setiap aspek bisnis dan semua lini Perseroan. in every aspect of business and in all lines of the Company. Penerapan prinsip ini dilakukan untuk menciptakan tata kelola The implementation of this principle aims to create an yang efektif, efisien dan berkesinambungan. Prinsip / Principles Implementasi / Implementation Transparansi / Transparency Principle • Menyampaikan pengumuman laporan keuangan publikasi triwulan dan tahunan melalui surat kabar harian berbahasa Indonesia paling sedikit 1 (satu) surat kabar yang beredar secara nasional / Announcing the publication of quarterly and annual financial statements through Indonesian daily newspaper, in at least 1 (one) newspaper with national circulation. • Menyampaikan laporan tahunan Bank kepada Regulator, 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 / Submitting the Bank’s annual report to Regulator, Indonesian Consumers Foundation, Indonesia Rating Agencies, Indonesian Banking Association, Indonesia Banking Development Institute, 2 (two) Research Institutes on Economy and Finance, and 2 (two) Economic and Finance Magazines. Akuntabilitas / Accountability • Menetapkan tanggung jawab yang jelas dari masing-masing organ Bank yang selaras dengan visi, misi, sasaran usaha, dan strategi Bank Sinarmas / Specifying clear 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 / Implementing 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 / Having performance indicators of all levels of the organization that are based on the agreed benchmark which is in line with the corporate values, business targets, and strategies of the Bank, and having reward and punishment system in place. • Meyakini bahwa semua organ pada struktur organisasi Bank mempunyai kompetensi yang sesuai dengan tanggung jawab dan memahami perannya dalam implementasi GCG / Having faith that all organs in the organizational structure of the Bank have the competency that meets their responsibility and understand their contribution in the implementation of GCG. Tanggung jawab / Responsibility • Berpegang pada prinsip kehati-hatian (prudential banking practices) dan menjamin kepatuhan terhadap peraturan yang berlaku / Upholding prudential banking practices and ensuring compliance with the applicalbe regulations. • Peduli terhadap lingkungan dan tidak melupakan tanggung jawab sosialnya terhadap masyarakat / Caring about the environment and not putting aside its responsibility to the community. Kewajaran / Fairness 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 fulfilling all rights of the shareholders and Stakeholders in a fair and equal manner to avoid unfair domination from any other party. Bank Sinarmas also provides the opportunity to all Stakeholders to give their opinion and feedback for the Company’s advantage. Independensi / Independency • Senantiasa menghindari terjadinya dominasi yang tidak wajar oleh Stakeholders manapun / Continuously avoiding unfair domination from any Stakeholders. • Berusaha untuk tidak terpengaruh oleh kepentingan sepihak / Doing the best effort as possible to not to be influenced by a one-sided interest. • Membebaskan diri dari benturan kepentingan (conflict of interest) / Freeing itself from any conflict of interest. • Berusaha mengambil keputusan secara objektif dan bebas dari segala tekanan / Trying to always make objective decision and free from any pressures. Manfaat besar dari implementasi GCG di lingkungan kerja The implementation of GCG at work environment of Bank Bank Sinarmas sangat terasa. Dampak positif dari pelaksanaan Sinarmas has a huge impact on the Company. Positive impacts GCG dijabarkan menjadi 3 (tiga) garis besar, meliputi: from the implementation of GCG are categorized into 3 (three) aspects, namely: Annual Report 2015 | PT. BANK SINARMAS Tbk. 329 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile • People - menghasilkan SDM yang memiliki kompetensi ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis • People - creating competent human resources that dan mampu mengadaptasi nilai-nilai GCG serta menjalin are able to adopt GCG values and build harmonious interaksi yang harmonis dengan nasabah dan pemangku interaction wiht the customers and the other Stakeholders. kepentingan lainnya. • Planet - berkontribusi nyata terhadap lingkungan dan • Planet - giving real contribution to the environment and community empowerment. pemberdayaan masyarakat. • Profit - mengoptimalkan peraihan laba dan mencapai • Profit - optimizing revenues and reaching high growth. pertumbuhan yang tinggi. Perseroan juga melaksanakan sosialisasi dan internalisasi The Company also internalizes and socializes GCG to all its GCG kepada seluruh jajaran manajemen dan pegawai untuk management and employees to ensure their compliance memastikan ketaatan terhadap praktik GCG. Perseroan with GCG practices. The Company believes that GCG must yakin bahwa penerapan GCG dilakukan tidak hanya sekedar be implemented not only to comply with the applicable mematuhi ketentuan yang berlaku, melainkan juga harus regulation. It must be internailzed in the Bank’s daily practices. ditunjukkan dalam praktik keseharian. Dengan melaksanakan With the implementation of GCG, the Company is optimistic GCG, Perseroan optimis dapat terus menjaga kepercayaan that it can always maintain the trust of all Stakeholders. The yang diberikan oleh seluruh pemangku kepentingan. Company is determined to become good corporate citizen in Perseroan juga bertekad untuk menuju Good Corporate the future. Citizen pada masa mendatang. TAHAPAN IMPLEMENTASI TATA KELOLA PHASE OF GOVERNANCE IMPLEMENTATION Tahapan implementasi Tata kelola Bank Sinarmas yaitu (1) Phase of implementation of Bank Sinarmas Governance, Komitmen Tata Kelola Perusahaan, (2) Struktur Tata Kelola namely (1) Corporate Governance Commitment, (2) Corporate Perusahaan, (3) Mekanisme Tata Kelola Perusahaan, (4) Governance Structure, (3) Corporate Governance Mechanism, Sosialisasi dan Evaluasi, dan (5) Implementasi Tata Kelola (4) Dissemination and Evaluation, and (5) Corporate Perusahaan. Governance Implementation. TAHAPAN IMPLEMENTASI TATA KELOLA PERUSAHAAN / PHASE OF CORPORATE GOVERNANCE IMPLEMENTATION 01 2. Struktur Tata Kelola Perusahaan / Corporate Governance Structure Pemenuhan struktur dan infrastruktur sehingga selaras dengan Prinsipprinsip GCG / The fulfillment of structure and infrastructure, thus in line with GCG Principles 1. Komitmen Tata Kelola Perusahaan / Corporate Governance Commitment Visi - Misi dan Strategi Bank Sinarmas / Vision -Mission and Strategy of Bank Sinarmas 330 02 03 3. Mekanisme Tata Kelola Perusahaan / Corporate Governance Mechanism Memastikan efektivitas proses implementasi GCG / Ensuring the effectiveness of process of GCG implementation 4.Sosialisasi dan Evaluasi / Dissemination and Evaluation Pendukung dalam penerapan prinsipprinsip GCG / Supporter in implementation of GCG principles 04 05 5. Implementasi Tata Kelola Perusahaan / Corporate Governance Implementation Impementasi prinsipprinsip GCG oleh seluruh jajaran Bank Sinarmas / Implementation of GCG principles by all ranks in Bank Sinarmas Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Tahapan implementasi Tata Kelola Bank Sinarmas Phase of implementation of Banks Sinarmas governance is dilaksanakan dengan berlandaskan prinsip-prinsip GCG, yaitu: implemented based on GCG principles, namely: Komitmen Tata Kelola Perusahaan - Visi - Misi dan Strategi Bank Sinarmas - Anggaran Dasar Bank - Nilai-nilai Perusahaan - Pedoman Tata Kelola Terintegrasi Mekanisme Tata Kelola Perusahaan Sosialisasi dan Evaluasi Implementasi Tata Kelola Perusahaan - Menuangkan prinsipprinsip GCG dalam kebijakan, pedoman & peraturan kerja dan SOP -Efektifitas costumer care - Transparansi produk - Sistem Anti Fraud -Sistem Whistle Blowing - Sosialisasi nilai-nilai perusahaan -Program Corporate Culture Campaign (visi & misi perusahaan, etos kerja, objektif perusahaan, tagline Bank Sinarmas “we always care”) - Pelaporan pelaksanaan GCG -Sosialisasi Compliance Culture - Deklarasi Anti Fraud - Self Assessment pelaksanaan GCG - Implementasi prinsip GCG pada setiap aspek kegiatan operasional Bank - Rapat Umum Pemegang Saham (RUPS) - Rapat Dewan Komisaris - Rapat Direksi - Rapat Gabungan Dewan Komisaris dan Direksi. - Service Excellent - Public Expose Struktur Tata Kelola Perusahaan - Pemenuhan jumlah dan komposisi, Dewan Komisaris, Direksi, serta Komite-komite di bawah Dewan Komisaris dan Direksi -Penguatan Risk Management, Compliance, Fungsi Kepatuhan dan Audit Internal Control - Penyempurnaan struktur organisasi Bank Sinarmas agar terlaksananya check & balance PENILAIAN TATA KELOLA CORPORATE GOVERNANCE ASSESSMENT Prosedur Pelaksanaan Assessment Procedure of Assessment Implementation Penerapan GCG Bank Sinarmas senantiasa dipantau dan dikaji The effectiveness of Bank Sinarmas’ GCG implementation efektivitasnya. Sebagai bagian dari proses penerapan GCG is continuously monitored and reviewed. As part of yang berkelanjutan, Perseroan melaksanakan assessment its sustainable process, the Company conducts GCG penerapan GCG dari tahun ke tahun. Assessment tersebut implementation assessment every year. The assessment aims dilakukan dalam rangka memperoleh gambaran mengenai to know the progress of the implementation of GCG best kondisi penerapan GCG terhadap praktik terbaik di practices at the Company and to identify areas that need lingkungan Perseroan serta mengidentifikasi bidang-bidang further improvement. yang memerlukan perbaikan lebih lanjut. Sebagai bentuk upaya peningkatan dan perbaikan kualitas As part of quality improvement programs for GCG dalam melaksanakan GCG, Bank Sinarmas secara berkala implementation, Bank Sinarmas periodically carries out a melakukan self assessment secara komprehensif. Di samping comprehensive self-assessment. In addition to monitoring bertujuan untuk memantau dan mengevaluasi pelaksanaan and evaluating the current implementation of GCG, this GCG yang sudah berjalan, penilaian ini juga berfungsi sebagai assessment also functions as and effort to sustainably develop upaya pengembangan dan perbaikan tata kelola perusahaan and improve corporate governance, including taking corrective yang berkelanjutan, termasuk di dalamnya pengambilan action, if necessary, to obtain a much better result. tindak korektif (corrective action) apabila diperlukan guna mendapatkan hasil yang lebih sempurna. Indikator dan Kriteria Penilaian GCG Indicators and Criteria of GCG Assessment Indikator dan kriteria penilaian GCG didasarkan pada 11 Indicators and critera of GCG assessment are based on 11 (eleven) (sebelas) aspek yang membangun penguatan GCG antara lain: aspects that contribute to the development of GCG, namely: 1. Pelaksanaan Tugas dan Tanggung Jawab Dewan 1. The implementation of duties and responsibilities of Board Komisaris; 2. Pelaksanaan Tugas dan Tanggung Jawab Direksi; of Commissioners; 2. The implementation of duties and responsibilities of Board of Directors; Annual Report 2015 | PT. BANK SINARMAS Tbk. 331 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis 3. Kelengkapan dan Pelaksanaan Tugas Komite; 3. Completeness and task 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 function; 6. Penerapan Fungsi Audit Internal; 6. The implementation of Internal Audit function; 7. Penerapan Fungsi Audit Eksternal; 7. The implementation of External Audit function; 8. Penerapan Fungsi Manajemen Risiko termasuk Sistem 8. The implementation of Risk Management and Internal Pengendalian Internal; Control System function; 9. Penyediaan Dana Kepada Pihak Terkait (Related Party) dan 9. Fund Provision to Related Party and Major Debtors (Large Penyediaan Dana Besar (Large Exposures); Exposures); 10. Transparansi Kondisi Keuangan dan Non-Keuangan Bank, 10. The Transparency of Financial and Non Financial Laporan Pelaksanaan GCG dan Pelaporan Internal; 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 Overall Conclusion of GCG Self-Assessment GGC Tabel self assessment 2015 Table of self-assessment in 2015 Hasil Penilaian Sendiri Pelaksanaan GCG / Results of Self-Assessment of GCG Implementation 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 corporate governance well. This is shown by its proper fulfillment of GCG principles. If there is found some weaknesses in the implementation of GCG principles, such weaknesses are generally immaterial, and the Bank’s management will improve it by taking common corrective action. PENGHARGAAN GCG BANK SINARMAS BANK SINARMAS GCG AWARD Penghargaan terkait penerapan GCG Bank Sinarmas sebagai Award concerning implementation of GCG of Bank Sinarmas berikut: is as follows: Peringkat I “Good Corporate 1st rank “Good Corporate Governance“ Buku II Aset Rp10 Governance” Buku II Assets of triliun hingga Rp25 triliun. Rp10 trillion to Rp25 trillion. : Anugerah Perbankan Indonesia IV 2015 Event : Anugerah Perbankan Indonesia IV 2015 Penyelenggara : Economic Review Organizer : Economic Review Tanggal : 5 November 2015 Date : November 5, 2015 Acara 332 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement STRUKTUR DAN MEKANISME TATA KELOLA STRUCTURE AND MECHANISM OF CORPORATE GOVERNANCE Struktur Tata Kelola Corporate Governance Structure Struktur tata kelola perusahaan memiliki peranan penting Corporate governance structure has an important role in dalam keberhasilan pelaksanaan GCG. Fungsi dari organ- succeeding the implementation of GCG practice. The function organ Bank dijalankan sesuai dengan peraturan perundang- of the Bank’s organs is conducted according to the prevailing undangan yang berlaku, Anggaran Dasar Bank, dan ketentuan regulations, the Bank’s Article of Association, and other rules, lainnya yang didasari prinsip independensi bagi setiap organ in which every organ should perform its duties, functions, and untuk melaksanakan tugas, fungsi, dan tanggung jawab. responsibilities by adhering to the independency principles. Rapat Umum Pemegang Saham General Meeting of Shareholder Dewan Komisaris Direksi Board of Commissioner Board of Director Komite Audit / Audit Committee Asset & Liability Management Commitee (ALCO) Komite Pemantau Risiko / Risk Monitoring Committee Komite Kredit / Credit Committee Komite Remunerasi & Nominasi / Remuneration and Nomination Committee Komite Teknologi Informasi / Information Technology Committee Komite Tata Kelola Terintegrasi / Integrated Corporate Governance Committee Komite Manajemen Risiko / Risk Management Committee Komite Human Capital Management (HCM) / Human Capital Management Committee Sekretaris Perusahaan / Corporate Secretary Satuan Kerja Audit Intern / Internal Audit Work Unit Annual Report 2015 | PT. BANK SINARMAS Tbk. Satuan Kerja Kepatuhan / Compliance Work Unit Satuan Kerja Manajemen Risiko / Risk Management Work Unit 333 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Dalam membangun struktur tata kelola, Perseroan In establishing corporate governance structure, the Company memperhatikan pemetaan fungsi atau kegiatan usaha dengan carefully maps the function and business activities based on standar etika bisnis serta memastikan mekanisme check and the applicable business ethics and ensures that check and balance dapat bekerja secara efektif. Struktur tata kelola di balance mechanism runs effectively. Corporate governance lingkungan Perseroan meliputi struktur organ dan kebijakan structure in the Company’s environment includes organ Perseroan, yaitu RUPS, Dewan Komisaris, Direksi, serta organ- structure and policy of the Company, namely General Meeting organ pendukung lainnya seperti Sekretaris Perusahaan, of Shareholders, Board of Commissioners, Board of Directors, pengendalian internal, manajemen risiko, serta ketaatan and other supporting organs such as Corporate Secretary, terhadap ketentuan yang berlaku. internal control, risk management, and compliance with the prevailing rules. Mekanisme Tata Kelola Governance Mechanism Mekasnisme tata kelola atau governance mechanism Governance mechanims is a mechanism of GCG merupakan mekanisme implementasi GCG yang tercermin implementation that is reflected on a robust system. The dalam sistem yang kuat. Implementasi GCG tidak cukup implementation of GCG cannot be relied only on the hanya dengan berlandaskan pada pilar governance structure, governance structure pillars. It requires a clear rule in the melainkan dibutuhkan adanya aturan main yang jelas dalam form of a mechanism. Governance mechanism then means bentuk mekanisme. Governance mechanism dapat diartikan a rule and procedure which specifies relationship between sebagai aturan main, prosedur dan hubungan yang jelas the decision maker and the controller of the decision antara pihak yang mengambil keputusan dengan pihak implementation. yang melakukan kontrol (pengawasan) terhadap keputusan tersebut. PENERAPAN TATA KELOLA DAN MANAJEMEN RISIKO TERINTEGRASI IMPLEMENTATION OF GOVERNANCE AND INTEGRATED RISK MANAGEMENT Mengacu kepada Peraturan Otoritas Jasa Keuangan No.14/ Pursuant to POJK No.14/POJK.03/2014 on Implementation of POJK.03/2014 tentang Penerapan Manajemen Risiko Integrated Risk Management For Financial Conglomerates and Terintegrasi Bagi Konglomerasi Keuangan dan Peraturan POJK No.18/POJK.03/2014 on Implementation of Integrated Otoritas Jasa Keuangan No.18/POJK.03/2014 tentang Governance For Financial Conglomerates, Bank Sinarmas Penerapan Tata Kelola Terintegrasi bagi Konglomerasi as a main entity in Financial Conglomerates of Sinar Mas Keuangan maka Bank Sinarmas sebagai Entitas Utama Financial Services has implemented an Integrated Governance pada Konglomerasi Keuangan Sinar Mas Financial Services and Implemented Risk Management. The implementation telah melakukan penerapan untuk Tata Kelola Terintegrasi includes the establishment of Work Unit of Integrated dan Manajemen Risiko Terintegrasi. Adapun penerapan Compliance and Work Unit of Integrated Risk Management, tersebut antara lain dengan melakukan pembentukan establishment of Integrated Governance Committee and Satuan Kerja Kepatuhan Terintegrasi dan Satuan Kerja Integrated Risk Management Committee that consist of Manajemen Risiko Terintegrasi, pembentukan Komite Commissioners and Directors from 9 (nine) Financial Services Tata Kelola Terintegrasi dan Komite Manajemen Risiko Institutions in Financial Conglomerates of Sinar Mas Financial Terintegrasi yang beranggotakan Komisaris serta Direksi dari Services, and formulation of Guideline on Implementation 9 (sembilan) Lembaga Jasa Keuangan dalam Konglomerasi of Integrated Governance and Guideline on Implementation Keuangan Sinarmas Financial Services, serta penyusunan of Integrated Risk Management. For December 31, 2015, Pedoman Penerapan Tata Kelola Terintegrasi dan Pedoman Bank has reported the Report on Integrated Governance, Penerapan Manajemen Risiko Terintegrasi. Untuk posisi Report on Integrated Risk Profile, and Report on Adequacy 31 Desember 2015, Bank juga telah melaporkan Laporan of Integrated Minimum Capital Provision. In addition, as an Tata Kelola Terintegrasi, Laporan Profil Risiko Terintegrasi, effort of quality improvement and sharing knowledge, Bank serta Laporan Kecukupan Penyediaan Modal Minimum has disseminated and conducted Interactive Discussion on Terintegrasi. Disamping itu pula, sebagai bagian dari upaya Integrated governance and Integrated Risk Management peningkatan kualitas dan sharing knowledge, Bank telah to Financial Service Institutions that are incorporated in melakukan sosialisasi serta melaksanakan Diskusi Interaktif financial conglomerates, with speaker from Financial Services 334 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Tata Kelola Terintegrasi dan Manajemen Risiko Terintegrasi Authority. The dissemination and interactive discussion are kepada Lembaga Jasa Keuangan yang tergabung di dalam planned to be organized periodically and sustainably, and are konglomerasi keuangan, dengan nara sumber yang berasal expected to create healthy, stable and competitive financial dari Otoritas Jasa Keuangan. Pelaksanaan sosialisasi serta conglomerates. diskusi interaktif tersebut direncanakan akan dilaksanakan secara berkala & berkesinambungan sehingga diharapkan dapat menciptakan konglomerasi keuangan yang sehat, stabil serta memiliki daya saing tinggi. RAPAT UMUM PEMEGANG SAHAM (RUPS) GENERAL MEETING OF SHAREHOLDERS RUPS merupakan organ tertinggi dalam Perseroan. RUPS GMS is the highest organ in the Company. GMS has the memiliki kewenangan yang tidak diberikan kepada Direksi authority not given to the Board of Directors or Board of ataupun Dewan Komisaris dalam batas yang ditentukan dalam Commissioners within limitation that is determined in the Undang-Undang Perseroan Terbatas dan/atau Anggaran Law of Limited Liability Company and/or Company Articles Dasar Perseroan. Melalui RUPS, para pemegang saham dapat of Association. Through GMS, the shareholders are able mengemukakan pendapat dan ikut andil dalam pengambilan to express their opinion and take part in the making of keputusan-keputusan penting. RUPS juga menjadi forum strategic decisions. GMS also serves as a forum to evaluate evaluasi kinerja Direksi dan Dewan Komisaris dengan the performance of Board of Directors and Board of memperhatikan seluruh aspek operasional perusahaan, baik Commissioners by taking into account the whole aspects of dari kinerja ekonomi, sosial, maupun lingkungan. the Company’s operations, in terms of economy, social, and environment. Sebagaimana diatur dalam Undang-Undang No. 40 tahun As regulated in the Law No. 40 of 2007 concerning Limited 2007 tentang Perseroan Terbatas dan Anggaran Dasar Liability Company and Company Articles of Association, GMS Perseroan, RUPS dibagi menjadi 2 (dua), yaitu RUPS Tahunan is divided into 2 (two), namely Annual GMS and Extraordinary dan RUPS Luar Biasa. GMS. RUPS Tahunan (RUPST) Annual GMS (AGMS) RUPST wajib dilaksanakan selambat-lambatnya 6 (enam) bulan AGMS must be held no later than six months after the end of setelah tahun buku berakhir. Dalam rapat tersebut, Direksi the fiscal year, in which the Board of Directors are obliged to wajib menyampaikan hal-hal sebagai berikut: do the following: 1. Laporan Tahunan. 1. Submit Annual Report 2. Mengemukakan pendapat mengenai penggunaan laba 2. Deliver opinion on the appropriation of the Company’s Perseroan, apabila Perseroan memiliki laba positif. profit, if any. 3. Mengemukakan pendapat mengenai penetapan akuntan 3. Deliver opinion on the appointment of public accountant publik untuk mengaudit tahun buku Perseroan yang to audit the current fiscal year based on proposal from sedang berjalan berdasarkan usulan dari Dewan Komisaris the Board of Commissioners or authorize the Board of atau memberikan kuasa kepada Dewan Komisaris untuk Commissioners to appoint the public accountant. menetapkan akuntan publik. 4. Hal-hal lain yang memerlukan persetujuan RUPS untuk 4. Other matters which need approval from the GMS for kepentingan Perseroan dengan tetap memperhatikan the Company’s interest while taking into account the ketentuan dalam Anggaran Dasar. provisions of the Articles of Association. RUPS Luar Biasa (RUPSLB) Extraordinary GMS (EGMS) Ketetapan untuk mengadakan RUPSLB tidak terikat. RUPS Luar There is no strict rule to convene an EGMS. Extraordinary Biasa dapat diadakan setiap waktu sesuai dengan kebutuhan GMS can be held at any time if necessary for the Company’s Perseroan. Berdasarkan Akta No. 82 tanggal 24 Maret interest. Based on Deed No. 82 dated March 24, 2012, the 2012, Direksi dapat menyelenggarakan RUPST dan RUPSLB Board of Directors is entitled to hold AGMS and EGMS by dengan terlebih dahulu menyampaikan Pengumuman dan making prior notice and call of the meeting at any printed Pemanggilan Rapat melalui media cetak. media. Annual Report 2015 | PT. BANK SINARMAS Tbk. 335 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Tata Cara Penyelenggaraan RUPS Procedures to Convene GMS Tata cara penyelenggaraan RUPS adalah sebagai berikut: The procedures to convene GMS are described as follows: 1. Perseroan terlebih dahulu menyampaikan pemberitahuan 1. The Company shall give prior notice concerning the mata acara RUPST secara jelas dan rinci kepada Otoritas agenda of 2015 AGM clearly and in detail to the Financial Jasa Keuangan (dahulu Badan Pengawas Pasar Modal Services Authority (formerly Capital Market Supervisory dan Lembaga Keuangan), paling lambat 5 (lima) hari kerja Board and Financial Institution) no later than 5 (five) sebelum pengumuman melalui iklan dilakukan. Hal ini business days before it is published as an advertisement. dilakukan sebagaimana yang telah diatur dalam Peraturan This procedure is conducted to comply with the Financial Otoritas Jasa Keuangan Nomor 32 /POJK.04/2014 tentang Services Authority Regulation No. 32/POJK.04/2014 Rencana dan Penyelenggaraan Rapat Umum Pemegang concerning the Plan and Convening of General Meeting of Saham Perusahaan Terbuka. Shareholders. 2. Pengumuman RUPS dilakukan melalui surat tercatat, iklan 2. The announcement of GMS is done through a written surat kabar, situs website Bursa dan website Perseroan letter, websites of Stock Exchange and the Company no paling lambat 14 (empat belas) hari sebelum pemanggilan later than 14 (fourteen) days prior to the date of the GMS RUPS, dengan tidak memperhitungkan tanggal invitation, by excluding the date of the announcement pengumuman dan tanggal pemanggilan. Kemudian and the date of GMS implementation. The call for GMS pemanggilan RUPS dilaksanakan paling lambat 21 (dua is conducted no later than 21 (twenty one) days prior to puluh satu) hari sebelum pelaksanaan RUPS, dengan tidak the implementation of GMS by excluding the dates of the memperhitungkan tanggal pemanggilan dan tanggal notice and GMS. RUPS. 3. Selanjutnya setelah pelaksanaan RUPS, Perseroan wajib 3. Subsequently after the implementation of the GMS, the Mengumumkan ringkasan risalah RUPS kepada Otoritas Company must report the GMS minutes of meeting to the Jasa Keuangan dan Bursa Efek Indonesia paling lambat Financial Services Authority and Indonesia Stock Exchange 2 (dua) hari kerja setelah Rapat diselenggarakan serta no later than two (2) business days after the meeting mengumumkannya kepada publik sekurang-kurangnya is convened, and announced it to the public in at least dalam 2 (dua) surat kabar berbahasa Indonesia, situs 2 (two) Indonesian newspapers, websites of the Stock website Bursa dan website Perseroan. 4. Setiap saham yang dikeluarkan memiliki 1 (satu) hak suara, kecuali jika Anggaran Dasar menentukan lain. Exchange and the Company. 4. Each share issued is eligible to 1 (one) voting rights, unless the Articles of Association determine otherwise. Penyelenggaran RUPSLB dan RUPST Bank Sinarmas pada 2015 The convening of 2015 EGMS and AGMS of Bank Sinarmas dilakukan melalui proses dan tahapan sebagai berikut: was conducted through the following process and stages: 1. Pemberitahuan kepada Otoritas Jasa Keuangan dan Bursa 1. Notification to the Financial Services Authority and Efek Indonesia mengenai mata acara RUPSLB dan RUPST Bank Sinarmas 2015. 2. Pengumuman melalui surat tercatat, iklan surat kabar, situs website Bursa dan website Perseroan. 3. Pemanggilan melalui surat tercatat, iklan surat kabar, situs website Bursa dan website Perseroan. 4. Pengumuman ringkasan risalah RUPS kepada Otoritas Jasa Indonesia Stock Exchange regarding the 2015 agenda of EGMS and AGMS of Bank Sinarmas. 2. Announcement through a written letter, ads in newspaper, websites of the Stock Exchange and the Company. 3. Call of meeting through a written letter, ads in newspaper, websites of the Stock Exchange and the Company. 4. Announcement of GMS minutes of meeting summary to Keuangan, Bursa Efek Indonesia dan publik melalui surat the Financial Services Authority, Indonesia Stock Exchange tercatat, iklan surat kabar, situs website Bursa dan website and the public through a written letter, ads in newspaper, Perseroan. websites of the Stock Exchange and the Company. 336 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tabel tahapan penyelenggaraan RUPS Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Table of phase of GMS implementation RUPS / GMS Pemberitahuan / Notification Pengumuman / Announcement Pemanggilan / Call Pelaksanaan / Implementation Hasil dan Keputusan RUPS / GMS Results and Decision Luar Biasa / Extraordinary 5 Februari 2015 / February 5, 2015 13 Februari 2015 / February 13, 2015 2 Maret 2015 / March 2, 2015 24 Maret 2015 / March 24, 2015 26 Maret 2015 / March 26, 2015 Tahunan / Annual 27 April 2015 / April 26, 2015 6 Mei 2015 / May 6, 2015 21 Mei 2015 / May 21, 2015 12 Juni 2015 / June 12, 2015 16 Juni 2015 / June 16, 2015 Pemberitahuan mata acara RUPS kepada Regulator / GMS Agenda notification to Regulator Pemberitahuan kepada pemegang saham melalui media surat kabar, situs bursa dan website Perseroan / Notification to shareholders via newspapers and the Company’s website Pemanggilan pemegang saham dengan surat tercatat dan surat kabar, situs bursa dan website Perseroan / Calling of Shareholders via registered letters and newspapers and the Company’s website Pelaksanaan RUPS / GMS Implementation Pengumuman hasil RUPS / GMS Resolutions Announcement Pelaksanaan RUPS secara umum mengacu pada ketentuan Implementation of GMS is generally refers to provisions in the dalam Anggaran Dasar yaitu: Articles of Association, namely: RUPS dipimpin oleh anggota Dewan Komisaris yang di tunjuk GMS is chaired by a member of the Board of Commissioners oleh Dewan Komisaris dengan terlebih dahulu membacakan appointed by the Board of Commissioners by firstly reading tata tertib RUPS pada saat RUPS berlangsung yang menjadi the meeting disciplinary when the GMS takes place which is bagian dalam Berita Acara RUPS. Pimpinan RUPS memberikan a part of GMS Minutes of Meeting. The chairman of GMS kesempatan kepada pemegang saham atau kuasanya untuk provides opportunity for shareholders or their proxies to ask mengajukan pertanyaan pada setiap mata acara rapat melalui questions in every meeting agenda through GMS ballot form, Surat Suara RUPS. Kemudian, Pimpinan Rapat menanggapi afterward the Chairman of the Meeting responds to the pertanyaan pemegang saham yang hadir. questions. Setelah semua pertanyaan ditanggapi, selanjutnya After all questions are responded, voting is conducted orally, pemungutan suara dilakukan secara lisan dan hanya and only shareholders or legitimate proxies are entitled pemegang saham atau kuasanya yang sah yang berhak untuk to vote. One share gives only one voting right for the mengeluarkan suara. Setiap satu saham memberikan hak shareholder. kepada pemegangnya untuk mengeluarkan satu suara. Bank Sinarmas telah menunjuk Notaris Aryanti Artisari dalam Bank Sinarmas has appointed Notary Aryanti Artisari to count melakukan penghitungan dan/atau memvalidasi suara. and/or to validate the votes. Pelaksanaan dan Keputusan RUPS 2015 2015 GMS Implementation and Decision Pada 2015, Perseroan telah mengadakan RUPS sebanyak 2 In 2015, the Company has convened 2 (two) GMS, namely (dua) kali yaitu RUPS Luar Biasa dan RUPS tahunan untuk Extraordinary GMS and Annual GMS for the fiscal year of tahun buku 2014 yang masing-masing dilakukan pada hari 2014 which was held on Tuesday, March 24, 2015, located Annual Report 2015 | PT. BANK SINARMAS Tbk. 337 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis PROFIL PERUSAHAAN Company Profile Selasa, 24 Maret 2015 dan Jumat, 12 Juni 2015 bertempat at Paseo Room, Sinar Mas Land Plaza Towre II, 39th Floor, di Ruang Paseo, Sinar Mas Land Plaza Tower II Lantai 39 on Jalan MH. Thamrin No. 51, Central Jakarta. The following Jalan MH. Thamrin No. 51 Jakarta Pusat. Informasi kehadiran is the attendance record of the Board of Commissioners and Dewan Komisaris dan Direksi, undangan, serta pemegang Board of Directors, guests, and shareholders: saham sebagai berikut: Dewan Komisaris Board of Commissioners Tjendrawati Widjaja Komisaris Utama Tjendrawati Widjaja President Commissioner Sammy Kristamuljana Komisaris Independen Sammy Kristamuljana Independent Commissioner Rusmin Komisaris Independen RusminIndependent Commissioner Direksi Board of Directors Freenyan Liwang Direktur Utama Freenyan Liwang President Director Heru Agus Wuryanto Direktur Heru Agus Wuryanto Director Loa Johnny Mailoa Direktur Loa Johnny Mailoa Director HalimDirektur HalimDirector Salis Teguh Hartono Direktur Independen Salis Teguh Hartono Independent Director Hanafi Himawan Direktur Independen Hanafi Himawan Independent Director Undangan Guests Soejanto Soetjijo dan Frenky Tirtowijoyo Susilo* Soejanto Soetjijo and Frenky Tirtowijoyo Susilo* *) Telah menjabat sebagai Direktur Bank Sinarmas pada RUPST *) Served as Director of Bank Sinarmas at AGMS. Pemegang Saham Shareholders 13.402.734.770 saham (95,38%) dari total 14.052.267.049 13,402,734,770 shares (95.38%) of the total 14,052,267,049 saham. shares. Jumlah saham dengan hak suara yang hadir atau diwakili telah The number of shareholders holding shares with voting rights memenuhi kuorum dalam RUPS. that are present or represented at the meeting has met the quorum at the GMS. Mata acara RUPSLB dan RUPST Bank Sinarmas 2015 adalah 2015 EGMS and AGMS Agenda of Bank Sinarmas are as sebagai berikut: follows: Mata acara RUPSLB dan RUPST / EGMS and AGMS Agenda No. Luar Biasa / Extraordinary No. Tahunan / Annual 1. Laporan tahunan Direksi untuk tahun buku 2014 / 2014 Board of Directors Annual Report 1. Perubahan Anggaran Dasar Perseroan / Changes in Articles of Association 2. Pengesahan perhitungan tahunan (neraca dan perhitungan laba/rugi) / Annual calculation ratification (balance sheet and income calculation) 2 Perubahan Susunan Direksi Perseroan / Changes in Articles of Association 3. Penegasan penggunaan laba perseroan untuk tahun buku 2014 / Restatement of 2014 net profit appropriation of the Company 3 Laporan Perubahan Realisasi Penggunaan Dana Penawaran Umum Terbatas I (PUT I) / Report of Changes in the Use of Proceeds from Limited Public Offering I (PUT I) 4. Penunjukan Kantor Akuntan Publik untuk melakukan pemeriksaan pembukuan 2015 / Appointment of Public Accounting Firm to audit 2015 financial statements 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 338 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Hasil RUPS Luar Biasa 2015 dan Realisasi: Mata acara / Agenda Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Results of 2015 Extraordinary GMS and Its Realization Keputusan / Decision Realisasi / Realization 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. Dengan demikian sejak ditutupnya rapat, susunan anggota Direksi, Dewan Komisaris, dan Dewan Pengawas Syariah Perseroan adalah sebagai berikut: DIREKSI: Direktur Utama Direktur Direktur Direktur Direktur Direktur Direktur Independen Direktur Independen Pertama / First : Freenyan Liwang : Heru Agus Wuryanto : Loa Johnny Mailoa : Halim : Soejanto Soetjijo : Frenky Tirtowijoyo Susilo : Salis Teguh Hartono : Hanafi Himawan Terealisasi / Realized DEWAN KOMISARIS: Komisaris Utama : Tjendrawati Widjaja Komisaris Independen : Sammy Kristamuljana Komisaris Independen : Rusmin DEWAN PENGAWAS SYARIAH: Ketua : Ali Mustafa Yaqub Anggota : Ahmadi Bin Sukarno 2. 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 di hadapan Notaris dan memberitahukan perubahan tersebut kepada pihak yang berwenang. 1. Approved the appointment of Mr. Soejanto Soetjijo and Mr. Frenky Tirtowijoyo Susilo as Directors, effective since the closing of this meeting until the end of tenure of the Company’s Board of Directors that is currently serving, namely on June 15, 2017. Therefore, since the closing of this Meeting, compositions of the Board of Directors, Board of Commissioners and Sharia Supervisory Unit are as follows: BOARD OF DIRECTORS President Director : Freenyan Liwang Director : Heru Agus Wuryanto Director : Loa Johnny Mailoa Director: Halim Director : Soejanto Soetjijo Director : Frenky Tirtowijoyo Independent Director : Salis Teguh Hartono Independent Director : Hanafi Himawan BOARD OF COMMISSIONERS President Commissioner Independent Commissioner Independent Commissioner : Tjendrawati Widjaja : Sammy Kristamuljana : Rusmin SHARIA SUPERVISORY BOARD Chairman Member : Ali Mustafa Yaqub : Ahmadi Bin Sukarno 2. Appointed and authorized the Board of Directors and/or Corporate Secretary of the Company to implement the decision but not limited to signing the deed of meeting decision before a Notary and notify the change to the authorities. Annual Report 2015 | PT. BANK SINARMAS Tbk. 339 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report Mata acara / Agenda PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Realisasi / Realization Keputusan / Decision Keputusan Hasil Pemungutan Suara / Voting Decision Hasil Perhitungan Kartu Suara / Voting Result Tidak Setuju / Abstain (a) Nihil Abstain / Abstain (b) Setuju / Agree (c) Nihil 13.402.734.770 Total suara setuju : 13.402.734.770 saham atau 100% / Total agree votes: 13,402,734,770 shares or 100% Tidak Menentukan Pilihan (No Vote) (d) Nihil Mata acara / Agenda Keputusan / Decision Realisasi / Realization Kedua / Second 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 masingmasing pasal perubahannya sebagaimana tertuang dalam materi rapat yang telah dibagikan kepada pemegang saham sebelum rapat ini / Approved the change in the Company’s Articles of Association in line with the implementation of Financial Services Authority Regulation and redrafted the entire Articles of Association, thus the detail of sentence composition of each articles as stated in meeting materials that have been distributed to shareholders prior to the meeting is clear. 2. 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 di hadapan Notaris dan memberitahukan perubahan tersebut kepada pihak yang berwenang / Appointed and authorized the Board of Directors and/or Corporate Secretary of the Company to implement the aforementioned decisions, including but not limited to signing the deed of meeting decision before a Notary and notify the change to the authorities. Terealisasi / Realized Keputusan Hasil Pemungutan Suara / Voting Decision Hasil Perhitungan Kartu Suara / Voting Result Tidak Setuju / Abstain (a) Nihil Abstain / Abstain (b) Setuju / Agree (c) Nihil 13.402.734.770 Total suara setuju : 13.402.734.770 saham atau 100% / Total agree votes: 13,402,734,770 shares or 100% Tidak Menentukan Pilihan (No Vote) (d) Nihil Mata acara / Agenda Keputusan / Decision Realisasi / Realization Ketiga / Third 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 / In June 2012, PT. Bank Sinarmas Tbk. conducted Limited Public Offering I (PUT I) to shareholders with Preemptive Rights. Funds from the PUT I amounted to Rp300,796,534,500 (three hundred billion seven hundred and ninety six million five hundred and thirty four thousand five hundred Rupiahs). The overall funds was used for information technology procurement amounted to 60% and office network development amounted to 40% with the following details: Terealisasi / Realized 340 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units Mata acara / Agenda TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Keputusan / Decision Realisasi / Realization - 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 for the period of October to December 2012 amounted to 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 and seventy point two Rupiahs) for information and technology procurement and Rp12,265,165,334.5 (twelve billion two hundred and sixty five million one hundred and sixty five thousand three hundred and thirty four point five Rupiahs) for office network development. - 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 Rp 15.099.316.771,63 (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 for the period of January to March 2013 amounted to 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 twenty eight Rupiahs) with Rp9,158,062,469.65 (nine billion one hundred and fifty eight million sixty two thousand four hundred and sixty nine point sixty five Rupiahs) for information technology procurement and Rp15,099,316,771.63 (fifteen billion ninety nine million three hundred and sixteen thousand seven hundred and seventy one point sixty three Rupiahs). - 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 for the period of April to June 2013 amounted to Rp33,218,107,267.32 (thirty three billion two hundred and eighteen million one hundred seven thousand two hundred and sixty seven point thirty two Rupiahs) and Rp8,903,666,711.17 (eight billion nine hundred three million six hundred and sixty six thousand seven hundred and eleven point seventeen Rupiahs) for information technology procurement 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 fifteen Rupiahs) for office network development. Annual Report 2015 | PT. BANK SINARMAS Tbk. 341 KILAS KINERJA 2015 Flashback Performance of 2015 Mata acara / Agenda LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Realisasi / Realization Keputusan / Decision - 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 for the period of July to September 2013 amounted to Rp90,697,650,439.17 (ninety billion six hundred and ninety seven million six hundred and fifty thousand four hundred and thirty nine point seventeen Rupiahs), with Rp57,855,842,162.67 (fifty seven billion eight hundred and fifty five million eight hundred and forty two one hundred and sixty two point sixty seven) for information and technology procurement and Rp32,841,808,276.5 (thirty two billion eight hundred and forty one million eight hundred eight thousand two hundred and seventy six point five Rupiahs) for office network development. - 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 for the period of October to December 2013 amounted to Rp41,563,555,567 (forty one billion five hundred and sixty three million five hundred and fifty five thousand five hundred and sixty seven Rupiahs), with Rp27,362,274,290 (twenty seven billion three hundred and sixty two million two hundred and seventy four thousand two hundred and ninety Rupiahs) for information technology procurement and Rp14,201,281,277 (fourteen billion two hundred one million two hundred and eighty one thousand two hundred and seventy seven Rupiahs) for office network development.. - 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 / Total use of funds for the period of January to March 2014 amounted to Rp36,524,702,479 (thirty six billion five hundred and twenty four million seven hundred two thousand four hundred and seventy nine Rupiahs), with Rp24,146,230,452 (twenty four billion one hundred and forty six million two hundred and thirty thousand four hundred and fifty two Rupiahs) for information and technology procurement and Rp12,378,472,027 (twelve billion three hundred and seventy eight million four hundred and seventy two thousand twenty seven Rupiahs) for office network development. - 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 for the period of April to June 2014 amounted to Rp34,408,155,086.34 (thirty four billion four hundred eight million one hundred and fifty five thousand eighty six point thirty four Rupiahs), 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 sixty four) for information technology procurement and Rp8,119,603,271.7 (eight billion one hundred and nineteen million six hundred three thousand two hundred and seventy one point seven Rupiahs) for office network development.. 342 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Mata acara / Agenda Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Realisasi / Realization Keputusan / Decision 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) / Therefore, the Use of Proceeds from Limited Public Offering I amounted to Rp177,801,249,070.33 (one hundred and seventy seven billion eight hundred one million two hundred and forty nine thousand seventy point thirty three Rupiahs) was used for Information Technology Procurement and Rp119,220,087,514.48 (one hundred and nineteen billion two hundred and twenty million eighty seven thousand five hundred and fourteen point forty eight Rupiahs) used for Office Network Development. Keputusan Hasil Pemungutan Suara / Voting Decision Hasil Perhitungan Kartu Suara / Voting Result Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c) Tidak Menentukan Pilihan (No Vote) (d) Bersifat pelaporan dan tidak diadakan proses pengambilan keputusan / This matter is report in nature and there was no decision-making process Results of Annual GMS Decision and Its Realization Hasil RUPS Tahunan dan realisasi: Mata acara / Agenda Keputusan / Decision Realisasi / Realization Pertama / First Menerima dan menyetujui Laporan Tahunan Direksi untuk tahun buku yang berakhir 31 Desember 2014 / Accepting and approving Board of Directors Annual Report for the fiscal year ended on December 31, 2014. Terealisasi / Realized Keputusan Hasil Pemungutan Suara / Voting Decision Hasil Perhitungan Kartu Suara / Voting Result Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c) 99.937 saham atau 0,0008% / 99,937 shares or 0.0008% Nihil 13.181.076.112 saham atau 99,9992% / 13,181,076,112 shares or 99,9992% Annual Report 2015 | PT. BANK SINARMAS Tbk. Tidak Menentukan Pilihan (No Vote) (d) Nihil Total suara setuju : 13.181.076.112 saham atau 99,9992% / Total agree votes: 13,181,076,112 shares or 99,9992% 343 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Mata acara / Agenda Keputusan / Decision Realisasi / Realization Kedua / Second Mengesahkan Perhitungan Tahunan (Neraca dan Perhitungan Rugi/Laba) untuk tahun buku yang berakhir pada 31 Desember 2014 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 2014 / Ratifying the Annual Calculation (Balance Sheet and Income Calculation) for the fiscal year ended on December 31, 2014 and granting full release and discharge to the members of the Board of Directors and Board of Commissioners for the management and supervision (acquit et de charge) that have been implemented during the fiscal year ended on December 31, 2014. Terealisasi / Realized Keputusan Hasil Pemungutan Suara / Voting Decision Hasil Perhitungan Kartu Suara / Voting Result Mata acara / Agenda Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c) 99.937 saham atau 0,0008% / 99,937 shares or 0.0008% Nihil 13.181.076.112 saham atau 99,9992% / 13,181,076,112 shares or 99,9992% Tidak Menentukan Pilihan (No Vote) (d) Nihil Total suara setuju : 13.181.076.112 saham atau 99,9992% / Total agree votes: 13,181,076,112 shares or 99,9992% Realisasi / Realization Keputusan / Decision Menyetujui penggunaan laba Perseroan untuk tahun buku yang berakhir pada 31 Desember 2014 sebesar Rp154,932 miliar (seratus lima puluh empat koma sembilan tiga dua miliar) / Approving the use of profit of the Company for fiscal year ended on December 31,2014 amounted to Rp154.932 billion (one hundred and fifty four point nine hundred and thirty two billion Rupiahs). Ketiga / Third Bahwa dari laba tersebut akan digunakan sebagai berikut / That the profit was used as follows: 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 / Amounted to Rp500,000,000 (five hundred million Rupiahs) used for reserve funds in accordance with article 70 paragraph 1 Law No.40 year 2007 and article 23 articles of association of the Company. b. Sisa laba bersih Perseroan sejumlah Rp154,432 miliar (seratus lima puluh empat koma empat tiga dua miliar) 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 memperoleh persetujuan Dewan Komisaris / The remaining net profit amounted to Rp154.432 billion (one hundred and fifty four point four hundred and thirty two billion Rupiahs) will be used to finance the Company’s operations and strengthen the capital, and recorded as Retained Earnings, in accordance with article 23 paragraph 3, it will be properly managed by the Board of Directors according to its consideration after obtaining approval from the Board of Commissioners. Terealisasi / Realized 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 / Authorizing the Board of Directors to manage, implement, and conducting required activities related to the use of the aforementioned net profit of the Company in accordance with legal provisions and the prevailing regulations. 344 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Keputusan Hasil Pemungutan Suara / Voting Decision Hasil Perhitungan Kartu Suara / Voting Result Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c) 99.937 saham atau 0,0008% / 99,937 shares or 0.0008% Nihil 13.181.076.112 saham atau 99,9992% / 13,181,076,112 shares or 99,9992% Mata acara / Agenda Keempat / Fourth Realisasi / Realization Keputusan / Decision 1. Menyetujui penunjukan Kantor Akuntan Mulyamin Sensi Suryanto dan Lianny untuk melakukan pemeriksaan (audit) Laporan Keuangan Perseroan untuk tahun buku yang akan berakhir pada tanggal 31 Desember 2015. 2. Memberikan kuasa kepada Direksi perseroan untuk menetapkan honorarium bagi Kantor Akuntan Publik tersebut, serta persyaratan-persyaratan lain sehubungan dengan penunjukan Kantor Akuntan Publik tersebut. Tidak Setuju / Abstain (a) Nihil Total suara setuju : 13.181.076.112 saham atau 99,9992% / Total agree votes: 13,181,076,112 shares or 99,9992% Keputusan Hasil Pemungutan Suara / Voting Decision Hasil Perhitungan Kartu Suara / Voting Result Tidak Menentukan Pilihan (No Vote) (d) Abstain / Abstain (b) Setuju / Agree (c) Nihil 13.181.176.049 saham atau 100% Nihil Terealisasi / Realized Tidak Menentukan Pilihan (No Vote) (d) Nihil Total suara setuju : 13.181.176.049 saham atau 100% Mata acara / Agenda Keputusan / Decision Realisasi / Realization 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. Terealisasi / Realized Keputusan Hasil Pemungutan Suara / Voting Decision Hasil Perhitungan Kartu Suara / Voting Result Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c) 99.937 saham atau 0,0008% / 99,937 shares or 0.0008% Nihil 13.181.076.112 saham atau 99,9992% / 13,181,076,112 shares or 99,9992% Tidak Menentukan Pilihan (No Vote) (d) Nihil Total suara setuju : 13.181.076.112 saham atau 99,9992% / Total agree votes: 13,181,076,112 shares or 99,9992% Tabel Tingkat Kehadiran Pemegang Saham (%) Table of Attendance Rate of Shareholders (%) Tingkat kehadiran pemegang saham dalam RUPST Bank Attendance rate of shareholders in AGM of Bank Sinarmas Sinarmas selama 5 (lima) tahun terakhir berkisar pada for the last 5 (five) years is around 90%. This shows that angka lebih dari 90%. Hal tersebut menunjukkan perhatian the shareholders are interested to the Company’s business pemegang saham tertuju pada perkembangan bisnis development. Announcement and call for GMS of Bank Perseroan. Pengumuman dan panggilan RUPS Bank Sinarmas Sinarmas are realized effectively. teralisasi dengan efektif. Annual Report 2015 | PT. BANK SINARMAS Tbk. 345 KILAS KINERJA 2015 Flashback Performance of 2015 Tahun / Year LAPORAN Manajemen Management Report 2011 Kehadiran / Attendance (%) 2012 98,11% ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis PROFIL PERUSAHAAN Company Profile 2013 93,44% 2014 95,98% 94,63% 2015 93,61% 100 98,11% 93,44% 95,98% 40 2013 2013 2013 20 94,63% 60 2014 93,61% 80 2015 Pelaksanaan dan Keputusan RUPS Tahun Sebelumnya Implementaiton and Decision of the Previous Year’s GMS Hasil Keputusan RUPS Tahunan 2014 dan Realisasi Results of 2014 Annual GMS Decision and Its Realization Mata acara Pertama / First Realisasi / Realization Keputusan / Decision Menerima dan menyetujui Laporan Tahunan Direksi untuk tahun buku yang berakhir 31 Desember 2013 / Accepted and approved the Board of Directors Annual Report for the year ended on December 31, 2013. Keputusan Hasil Pemungutan Suara / Voting Decision Hasil Perhitungan Kartu Suara / Voting Result Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c) Nihil 11.902.656.491 saham atau 100% / / 11,902,656,491 shares or 100% Nihil Terealisasi / Realized Tidak Menentukan Pilihan (No Vote) (d) Nihil Total suara setuju : 11.902.656.491 saham atau 100%/ Total agree votes: 11,902,656,491 shares or 100% Mata acara Keputusan / Decision Realisasi / Realization 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 / Ratified the Annual Calculation (Blance Sheet and Income Calculation) for the fiscal year ended on December 31, 2013, and granted full release and discharge to the members of the Board of Directors and Board of Commissioners from the management and supervision (acquit et de charge) that have been implemented for the fiscal year ended on December 31, 2013. Terealisasi / Realized Keputusan Hasil Pemungutan Suara / Voting Decision Hasil Perhitungan Kartu Suara / Voting Result Tidak Setuju / Abstain (a) Nihil Abstain / Abstain (b) Setuju / Agree (c) Nihil 11.902.656.491 saham atau 100% / / 11,902,656,491 shares or 100% Tidak Menentukan Pilihan (No Vote) (d) Nihil Total suara setuju : 11.902.656.491 saham atau 100%/ Total agree votes: 11,902,656,491 shares or 100% 346 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Mata acara Ketiga / Third Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Realisasi / Realization Keputusan / Decision 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 a.Penyisihan anggaran dasar Perseroan. Dana b. Sisa laba bersih Perseroan sejumlah Rp220.599.313.298 (dua ratus dua puluh miliar cadangan lima ratus sembilan puluh sembilan juta tiga ratus tiga belas ribu dua ratus sembilan untuk puluh delapan Rupiah) akan dipergunakan untuk membiayai operasional Perseroan tahun buku dan memperkuat Permodalan Perseroan dan dicatat sebagai Laba Yang Ditahan, sesuai 2013 telah dengan pasal 23 ayat 3 akan dikelola oleh Direksi dengan cara yang tepat menurut dibukukan / pertimbangan Direksi, setelah memeroleh persetujuan Dewan Komisaris. Allowance for c. Memberikan wewenang kepada Direksi Perseroan untuk mengatur, melaksanakan, reserve fund dan menjalankan tindakan-tindakan yang diperlukan sehubungan dengan penggunaan for 2013 fiscal laba bersih Perseroan tersebut diatas sesuai dengan ketentuan hukum dan peraturan year has been yang berlaku. recorded. b. Sisa laba bersih Approved the use of the Company’s profit for the fiscal year ended on December 31, 2013 telah dicatat at the amount of Rp221,099,313,298 (two hundred twenty one billion ninety nine million sebagai Laba three hundred thirteen thousand two hundred ninety eight Rupiah) for the following Yang Ditahan purposes: dan telah a. The amount of Rp500,000,000 is declared reserve funds according to the provision of dibukukan / article 70 paragraph 1 of the Law Number 40 of 2007 and article 23 of the Company’s The remaining articles of association. net profit b. The remaining net profit of Rp220,559,313,298 (two hundred twenty billion five was declared hundred fifty nine million three hundred thirteen thousand two hundred ninety Retained eight Rupiah) will be used to finance the Company’s operations and strengthen Earnings and the Company’s capital and recorded as Retained Earnings, according to article 23 have been paragraph 3, which will be managed properly by the Board of Directors according to recorded. the discretion of the Board of Directors after obtaining approval from the Board of Commissioners. c. Authorized the Board of Directors to manage, conduct, and take necessary actions in relation with the appropriation of the Company’s net profit, according to the prevailing rules and regulations. Keputusan Hasil Pemungutan Suara / Voting Decision Hasil Perhitungan Kartu Suara / Voting Result Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c) 240.437 saham atau 0,002%/ 240,437 shares or 0.002% Nihil 11.902.656.491 saham atau 100% / 11,902,656,491 shares or 100% Annual Report 2015 | PT. BANK SINARMAS Tbk. Tidak Menentukan Pilihan (No Vote) (d) Nihil Total suara setuju : 11.902.656.491 saham atau 100% / Total agree votes: 11,902,656,491 shares or 100% 347 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Mata acara Keputusan / Decision Realisasi / Realization 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 / Approved the appointment of Public Accountant Mulyamin Sensi Suryanto and Lianny to conduct audit on the Company’s Financial Statement for the year ended on December 31, 2014. b. Memberikan kuasa kepada Direksi Perseroan untuk menetapkan honorarium bagi Kantor Akuntan Publik tersebut, serta persyaratan-persyaratan lain sehubungan dengan penujukan Kantor Akuntan Publik tersebut / Authorized the Company’s Board of Directors to determine the honorarium of the Public Accountant and other requirements in relaiton wiht the appointment of the Public Accountant. Terealisasi / Realized Keputusan Hasil Pemungutan Suara / Voting Decision Hasil Perhitungan Kartu Suara / Voting Result Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c) Nihil 11.902.656.491 saham atau 100% / 11,902,656,491 shares or 100% Nihil Tidak Menentukan Pilihan (No Vote) (d) Nihil Total suara setuju : 11.902.656.491 saham atau 100% / Total agree votes: 11,902,656,491 shares or 100% Mata acara Keputusan / Decision Realisasi / Realization 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 the Board of Commissioners, by considering the recommendation given by the Remuneration and Nomination Committee to decide the salary of the members of the Board of Directors and the honorarium of the Board of Commissioners. Terealisasi / Realized Keputusan Hasil Pemungutan Suara Hasil Perhitungan Kartu Suara / Voting Result Tidak Setuju (a) Nihil Abstain (b) Setuju (c) Nihil 11.902.656.491 saham atau 100% / 11,902,656,491 shares or 100% Tidak Menentukan Pilihan (No Vote) (d) Nihil Total suara setuju : 11.902.656.491 saham atau 100% / Total agree votes: 11,902,656,491 shares or 100% 348 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Hasil RUPS Luar Biasa 2014 dan Realisasi Mata acara Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Results of 2014 Extraordinary GMS and Its Realization Keputusan / Decision Realisasi / Realization a. Menyetujui pengangkatan saudara Rusmin sebagai Komisaris Independen Perseroan terhitung sejak ditutupnya RUPSLB 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 dan pelunasan (acquit et de charge) kepada yang bersangkutan beserta 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 perundang-undangan yang berlaku serta mengucapkan terima kasih atas sumbangsih dan jasa-jasa yang telah diberikan. Pertama / First 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 Direktur Direktur Independen Direktur Direktur Direktur Independen Rusmin efektif menjabat sebagai komisaris independen setelah mendapatkan persetujuan dari OJK Pada tanggal 19 Juni 2014 : Freenyan Liwang : Heru Agus Wuryanto : Salis Teguh Hartono : Loa Johnny Mailoa : Halim : 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 melaksankan keputusan tersebut di atas termasuk tetapi tidak terbatas untuk menandatangani akta pernyataan keputusan rapat di hadapan Notaris dan memberitahukan perubahan tersebut kepada pihak yang berwenang. Annual Report 2015 | PT. BANK SINARMAS Tbk. 349 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report Mata acara PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Realisasi / Realization Keputusan / Decision a. Approved the appointment of Mr. Rusmin as the Company’s Independent Commissioner effective since the closing of the Extraordinary GMS until June 15, 2017. This term of office is effective upon approval of the Financial Services Authority. b. Respectively dismissed Mr. Wimpie Rinato as the Company’s Independent Commissioner by extending appreciaiton and thank and gave him full release and discharge (acquit et de charge) from the responsibilities that arised and management actions that have been taken from the period of January 2008 to june 13, 2014, so long as such management actions do not contravene with or violate the applicable laws and regulations. c. Approved the appointment of Mr. Hanafi Himawan and Mr. Salis Teguh Hartono as the Company’s Independent Directors. d. Respectively approved and dismissed all members of the Company’s Board of Directors and Board of Commissioners and granted them full full release and discharge (acquit et de charge) from the responsibilities that have been fulfilled during their service, provided that such actions are reflected on the Company’s reports and not against or violate the prevailing laws and regulations, and thanked them for the contributions and services that have been given. e. Approved the reappointment of all members of the Board of Directors and Board of Commissioners of the Company for the term of office effective from the closing of the meeting until June 15, 2007. First Hence, since the closing of the meeting, the composition of the Board of Directors, Board of Commissioners, and Sharia Supervisory Board is as follows: Board of Commissioners President Commissioner Independent Commissioner Independent Commissioner Rusmin serves as independent commissioner effective since the approval of the OJK on June 19, 2014. : Tjendrawati Widjaja : Sammy Kristamuljana : 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 Member : Ali Mustafa Yaqub : Ahmadi Bin Sukarno f. Appointed and authorized the Board of Directors and/or Corporate Secretary of the Company to implement the decision, including but not limited to, sign the deed of the meeting decision in the presence of a Notary and notify such changes to the authorities. Keputusan Hasil Pemungutan Suara / Voting Decision Hasil Perhitungan Kartu Suara / Voting Result Tidak Setuju / Abstain (a) Nihil Abstain / Abstain (b) Setuju / Agree (c) Nihil 11.902.656.491 saham atau 100% / 11,902,656,491 shares or 100% Tidak Menentukan Pilihan (No Vote) (d) Nihil Total suara setuju : 11.902.656.491 saham atau 100% / Total agree votes: 11,902,656,491 shares or 100% 350 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Mata acara Keputusan / Decision Realisasi / Realization Kedua / Second a. Menyetujui perubahan Anggaran Dasar Perseroan Pasal 4 ayat 2 tentang modal / Approved the amendment of the Company’s Articles of Association, Article 4 paragraph 2 on capital b. Menyetujui perubahan Anggaran Dasar Perseroan Pasal 14 ayat 2, ayat 3, dan ayat 5 tentang Direksi / 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. Menyetujui perubahan Anggaran Dasar Perseroan Pasal 17 ayat 2 tentang Dewan Komisaris / Approved the amendment of the Company’s Articles of Association, Article 17 paragraph 2 concerning the Board of Commissioners. d. Memberikan kewenangan kepada Direksi Perseroan untuk menyatakan keputusankeputusan 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 / Authorized the Company’s Board of Directors to state the decisions that have been made in the Notarial deed, and for that purpose, presented it in the presence of the Notary, then drew up or had somebody make and sign the deed, document, form, and/or other letters needed, submit a proposal, make any changes and/or additions in the request, and thereby earn or acquire the approval or notification to the authorities, including from the Minister of Law and Human Rights of the Republic of Indonesia and list it on the Company Register, and generally conducted any actions wherever necessary to carry out the power and authorities according to the applicable laws and regulations without execption, including making adjutment in the event that such adjustment is required by the authorities. Terealisasi / Realized Keputusan Hasil Pemungutan Suara / Voting Decision Hasil Perhitungan Kartu Suara / Voting Result Tidak Setuju / Abstain (a) Nihil Abstain / Abstain (b) Setuju / Agree (c) Nihil 11.902.656.491 saham atau 100% / 11,902,656,491 shares or 100% Tidak Menentukan Pilihan (No Vote) (d) Nihil Total suara setuju : 11.902.656.491 saham atau 100% / Total agree votes: 11,902,656,491 shares or 100% Annual Report 2015 | PT. BANK SINARMAS Tbk. 351 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Mata acara Keputusan / Decision Realisasi / Realization Ketiga / Third 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 tuga 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 / Approved 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 Rp100,- (one hundred Rupiah) per share or maximum of 10% (ten percent) of the total number of shares issued and fully paid in the Company; 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 perundang-undangan yang berlaku termasuk peraturan di bidang Pasar Modal / Granted the authority and power to the Board of Directors of the Company upon the approval of the Board of Commissioners to perform all necessary actions in connection with the Capital Increase Without Preemption Rights, but not limited to determining the reasonable exercise price of the Capital Increase Without Preemptive Rights according to the Board of Directors, preparing and/or asking to prepare any documents relating with the capital increase and seeking approval and/or reporting it as well as registering any required documents to the authorities, in relation with the Capital Increase without Preemptive Rights, without exception, in one way or another, by considering the applicable laws and regulations, and the capital market regulation. Sudah dilakukannya Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu (PMTHMETD) pada bulan Oktober dan November 2014 / Capital Increase Without Preemptive Rights (PMTHMETD) was done in October and November 2014 Keputusan Hasil Pemungutan Suara / Voting Decision Hasil Perhitungan Kartu Suara / Voting Result Tidak Setuju / Abstain (a) Abstain / Abstain (b) Setuju / Agree (c) 240.437 saham atau 0,002% / 240,437 shares or 0.002% Nihil 12.418.972.296 saham atau 99,998% / 12,418,972,296 shares or 99.998% Tidak Menentukan Pilihan (No Vote) (d) Nihil Total suara setuju : 12.418.972.296 saham atau 99,998% / Total agree votes: 12,418,972,296 shares or 99.998% Mata acara Keputusan / Decision Realisasi / Realization Keempat / Fourth 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) / Approved the Report of the Realization of the Use of Proceeds from Limited Public Offering I (right issue) as mentioned above for the period of April 2013 (two thousand thirteen) until March 2014 (two thousand fourteen). Terealisasi / Realized Keputusan Hasil Pemungutan Suara / Voting Decision Hasil Perhitungan Kartu Suara / Voting Result Tidak Setuju / Abstain (a) Nihil Abstain / Abstain (b) Setuju / Agree (c) Nihil 12.419.212.733 saham atau 100% / 12,419,212,733 shares or 100% Tidak Menentukan Pilihan (No Vote) (d) Nihil Total suara setuju : 12.419.212.733 saham atau 100% Total agree votes: 12,419,212,733 shares or 100% 352 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement DEWAN KOMISARIS BOARD OF COMMISSIONERS Dewan Komisaris merupakan organ dalam Bank yang Board of Commissioners is an instrument in the Bank that is bertugas melakukan pengawasan, baik secara umum maupun assigned to conduct supervision, both in general and special in secara khusus sesuai dengan Anggaran Dasar. accordance with the Articles in Association. Sepanjang tahun 2015, Dewan Komisaris telah melakukan Throughout 2015, Board of Commissioners has carried out tugas pengawasan terhadap kebijakan manajemen, supervisory duties to management policy, mechanism of Bank mekanisme kepengurusan dan operasional Bank yang management and operational by the Board of Directors as well dijalankan oleh Direksi serta memberikan masukan dan arahan as to provide inputs and direction to the Board of Directors on Direksi mengenai kinerja yang dijalankan. the performance. Dewan Komisaris melaksanakan tugas dan tanggung jawab Board of Commissioners carried out its duties and secara independen dan selalu memastikan terselenggaranya responsibilities independently and always ensure the pelaksanaan Good Corporate Governance dalam setiap implementation of Good Corporate Governance in every kegiatan usaha Bank pada seluruh jenjang organisasi. business activity of the Bank in all organizational levels. Dalam melaksanakan tugas dan tanggung jawab dan guna In carrying out the duties and responsibilities, and to mendukung efektivitas pelaksanaan tugas dan tanggung support the effectiveness of implementation of duties and jawab, Dewan Komisaris PT. Bank Sinarmas Tbk. dibantu oleh responsibilities, the Board of Commissioners of PT. Bank ketiga komite antara lain Komite Audit, Komite Pemantau Sinarmas Tbk. is assisted by three committees, namely Audit Risiko, serta Komite Remunerasi & Nominasi. Committee, Risk Monitoring Committee, and Remuneration & Nomination Committee. Jumlah, Komposisi dan Kriteria Dewan Komisaris Total, Composition, and Criteria of the Board of Commissioners Berdasarkan perubahan terakhir Anggaran Dasar Perseroan Pursuant to the latest change in the Articles of Association, sebagaimana tertuang dalam Akta No. 82, bahwa sampai as stated in Deed No.82, that up to date, total members of saat ini jumlah anggota Dewan Komisaris berjumlah 3 (tiga) the Board of Commissioners is 3 (three) persons, consisting orang yang terdiri dari 1 (satu) Komisaris Utama dan 2 (dua) 1 (one) President Commissioner and 2 (two) Independent Komisaris Independen. Berikut adalah komposisi Dewan Commissioners. The following is the composition of the Board Komisaris PT. Bank Sinarmas Tbk. hingga 31 Desember 2015: of Commissioners of PT. Bank Sinarmas Tbk. until December 31, 2015: Tabel komposisi Dewan Komisaris Table of Board of Commissioners’ composition Persetujuan / Approval No Nama / Name Jabatan / Position RUPS / GMS OJK (d/h) Bank Indonesia Periode Masa Jabatan / Term of Office Domisili / Domicile 1 Tjendrawati Widjaja Komisaris Utama / President Commissioner 21 Desember 2009 (RUPSLB) / 20 April 2010 / December 21, 2009 April 20, 2010 (EGM) 15 Juni 2017 (RUPSLB) / June 15, 2014 (EGM) Indonesia 2 Sammy Kristamuljana Komisaris Independen / Independent Commissioner 15 Juni 2012 (RUPSLB) / June 15, 2014 (EGM) 3 Juli 2012 / July 3, 2012 15 Juni 2017 (RUPSLB) / June 15, 2014 (EGM) Indonesia Rusmin 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 3 Annual Report 2015 | PT. BANK SINARMAS Tbk. 353 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Berdasarkan jumlah, komposisi dan kriteria Dewan Komisaris The total, composition, and criteria of the Board of telah memenuhi ketentuan dalam Peraturan Bank Indonesia Commissioners have fulfilled the provision in Bank Indonesia Nomor 8/14/PBI/2006 tentang Perubahan Atas Peraturan Bank Regulation No.8/14/PBI/2006 on Amendment to Bank Indonesia Nomor 8/4/PBI/2006 tentang Pelaksanaan Good Indonesia Regulation No.8/4/PBI/2006 on The Implementation Corporate Governance bagi Bank Umum, disebutkan bahwa: of Good Corporate Governance For Commercial Banks, stated that: 1. Jumlah anggota Dewan Komisaris paling kurang 3 (tiga) 1. Total member of the Board of Commissioners is at least 3 orang dan paling banyak sama dengan jumlah anggota (three) persons and at most equal to the total members of Direksi. the Board of Directors. 2. Paling kurang 1 (satu) orang anggota Dewan Komisaris wajib berdomisili di Indonesia 3. Dewan Komisaris dipimpin oleh Presiden Komisaris atau Komisaris Utama 4. Dewan Komisaris terdiri dari Komisaris dan Komisaris Independen 5. Pengangkatan anggota Dewan Komisaris dilakukan 2. At least 1 (one) member of the Board of Commissioners shall resides in Indonesia. 3. The Board of Commissioners is lead by a President Commissioners 4. The Board of Commissioners consists of Commissioners and Independent Commissioners. 5. The appointment of member of the Board of oleh RUPS berdasarkan usulan Komite Remunerasi dan Commissioners is carried out by GMS based on suggestion Nominasi from Remuneration and Nomination Committee. 6. Seluruh anggota Dewan Komisaris telah lulus fit and 6. All members of the Board of Commissioners have passed proper test oleh Bank Indonesia dan Otoritas Jasa the fit and proper test by Bank Indonesia and Financial Keuangan. Services Authority. Hak, Wewenang, dan Kewajiban Dewan Komisaris Rights, Authority, and Responsibilities of Board of Commissioners Hak dan Wewenang Rights and Authority 1. Dewan Komisaris berwenang memberikan persetujuan 1. Board of Commissioners is authorized to give approval in tertulis atas keputusan Direksi; 2. Anggota Dewan Komisaris baik sendiri maupun bersama- writing for the Board of Directors’ decision; 2. Members of the Board of Commissioners, both individually sama berhak setiap waktu memasuki bangunan dan and collectively, are entitled to enter the building and halaman atau tempat lain yang dipergunakan dan dikuasai premises or other places that are used, owned, and under serta dimiliki Bank dan berhak memeriksa buku-buku, the authority of the Bank, at any time, and are authorized surat-surat bukti, persediaan barang-barang, memeriksa to examine books, documentary evidences, and good dan mencocokan keadaan uang kas untuk keperluan inventory, and cross-checking the cash flow and so on, verifikasi dan lain-lain termasuk surat berharga serta including securities, for verification purposes. They also mengetahui segala tindakan yang telah dijalankan oleh have the right to be informed on any actions performed by Direksi; 3. Tindakan dalam hal sebagaimana tersebut di atas, harus the Board of Directors; 3. The actions as mentioned above shall only be conducted in dijalankan dalam kapasitas sebagai anggota Dewan the capacity of a member of the Board of Commissioners Komisaris dan wajib dilaporkan pada rapat Dewan and are obliged to be reported at the Board of Komisaris tentang tindakan tersebut; 4. Jika dianggap perlu Dewan Komisaris berhak untuk Commissioners’ meeting; 4. If deemed necessary, the Board of Commissioners is meminta bantuan tenaga ahli dalam melaksanakan entitled to ask for expert assistance in performing its duties tugasnya untuk jangka waktu terbatas dengan beban for a specified period of time at the expense of the Bank; Bank; 5. Setiap anggota Dewan Komisaris berhak meminta 5. Each member of the Board of Commissioners has the right penjelasan tentang segala hal dari Direksi maupun to obtain explanation on any matters from the Board of seluruh jajaran dibawahnya dan Direksi berkewajiban Directors and all the managements under it, and the Board memenuhinya; dan of Directors must fulfill it; and 354 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance 6. Setiap anggota Dewan Komisaris berhak menghadiri Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement 6. Each member of Board of Commissioners is entitled to rapat-rapat yang diselenggarakan oleh Direksi atau unit attend meetings held by the Board of Directors or the kerja dibawahnya tanpa ikut memberikan keputusan. working units it supervises without the right to make decision. Kewajiban Responsibilities 1. Memberikan pengesahan dan mengawasi implementasi 1. Ratifying and supervising the implementation of the Bank’s Rencana Bisnis Bank (RBB); 2. Menindaklanjuti hasil pengawasan dan rekomendasi Business Plan (RBB); 2. Following-up the result of the supervision and yang diberikan dalam hal terjadi penyimpangan terhadap recommendation given in the event of violation to the ketentuan perundang-undangan yang berlaku, Anggaran provisions of the applicalbe laws, Articles of Associations, Dasar dan prinsip prudential dalam praktek bisnis and prudential principles in its business practices; (prudential banking practise); 3. Mengikuti perkembangan kegiatan bisnis Bank, dan 3. Keeping up with the development of the Bank’s business dalam hal Bank menunjukkan gejala kemunduran, segera activities, and in the event that the Bank shows signs mengusulkan untuk mengadakan RUPS dan melaporkan of decline, the Board shall immediately propose the kepada Pemegang Saham dengan disertai saran tentang convening of GMS and report it to the Shareholders along langkah perbaikan yang diperlukan; with the correction actions that are necessary; 4. Memberikan pendapat dan saran untuk disampaikan pada RUPS mengenai setiap persoalan yang dianggap penting 4. Providing opinion and advices at the GMS on any matter considered important for the Bank’s management; bagi kepengurusan Bank; 5. Melakukan tugas-tugas pengawasan lainnya yang ditentukan oleh RUPS dan peraturan perundang- 5. Conducting other supervisory tasks that are determined by the GMS and the laws and regulations; undangan; 6. Memberikan arahan dan konsultasi kredit serta review atas persetujuan kredit yang melebihi jumlah tertentu yang ditentukan dalam RUPS dan/atau Anggaran Dasar; dan 7. Memastikan terselenggaranya pelaksanaan Good 6. Providing guidance and credit consultation and review on credit approval that exceeds the amount set by the GMS and/or the Articles of Association; and 7. Ensuring the implementation of good corporate Corporate Governance dalam setiap kegiatan usaha Bank governance in each business activity of the Bank at all pada seluruh tingkatan atau jenjang organisasi. levels of the organization. Tugas dan Tanggung Jawab Duties and Responsibilities Berdasarkan Surat Keputusan No. SK.002/2015/PRESKOM- Based on the Decree No. SK.002/2015/PRESKOM- CorSec&CorComm tertanggal 26 Mei 2015, secara umum CorSec&CorComm Dated May 26, 2015, the Board of Dewan Komisaris memiliki tugas dan tanggung jawab sebagai Commissioners has the following duties and responsibilities: berikut: 1. Melaksanakan sebaik-baiknya kewajiban Dewan Komisaris 1. Carrying out the Board of Commissioners’ obligations in sebagaimana diamanatkan dalam peraturan perundang- a well manner as mandated in the Laws and Regulations, undangan, Anggaran Dasar Perseroan berikut perubahan- the Company’s Articles of Association and its amendments, perubahannya, Board Manual, Surat Keputusan ini beserta Board Manual, this Decree and its amendment, and Board perubahannya, dan Pedoman Tata Tertib Kerja Dewan Manual; Komisaris; 2. Dalam menjalankan tugasnya, Dewan komisaris berhak 2. In performing its duties, the Board of Commissioners is memperoleh penjelasan dari Direksi atau setiap anggota entitled to obtain explanation from the Board of Directors Direksi tentang segala hal yang diperlukan oleh Dewan or any member of the Board of Directors on all matters Komisaris; required by the Board of Commissioners; 3. Dewan Komisaris menerapkan prinsip-prinsip Good 3. The Board of Commissioners implements the GCG Corporate Governance sebagaimana diatur dalam principles as stipulated in Bank Indonesia Regulation Peraturan Bank Indonesia 8/4/PBI/2006 tentang No.8/4/PBI/2006 on the implementation of Good Annual Report 2015 | PT. BANK SINARMAS Tbk. 355 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Pelaksanaan Good Corporate Governance tertanggal 30 Corporate Governance dated January 30, 2006 which was Januari 2006 jo. Peraturan Bank Indonesia 8/14/PBI/2006 amended with Bank Indonesia Regulation No. 08/14/2006 tertanggal 5 Oktober 2006, dalam setiap kegiatan usaha dated October 5, 2006, in each business activity of the Bank pada seluruh tingkatan atau jenjang organisasi; 4. Melakukan pengawasan atas kebijakan pengurusan Bank at all levels of the organization; 4. To supervise the monitoring policy in general, regarding pada umumnya, baik mengenai Bank sebagai Perseroan the Bank as the Company and the Bank as a business, and maupun usaha Bank, dan memberi nasihat kepada Direksi; to provide advice to the Board of Directors; 5. Dalam melakukan pengawasan, Dewan komisaris wajib 5. In conducting the supervision, the Board of Commissioners mengarahkan, memantau, dan mengevaluasi pelaksanaan must direct, monitor, and evaluate the implementation of kebijakan strategis Perseroan serta melaporkannya secara the Company’s strategic policy and report it in writing to tertulis ke Otoritas Jasa Keuangan secara semesteran; Bank Indonesia every semester. 6. Dalam melakukan pengawasan, Dewan Komisaris 6. In conducting supervision, the Board of Commissioners dilarang terlibat dalam pengambilan keputusan kegiatan must not be involved in making decision about the Bank’s operasional Bank (kredit, treasury, penghimpunan dana, operations (credit, treasury, fund collection, and other dan kegiatan operasional lainnya), kecuali : operational activities), except: a. Penyediaan dana kepada pihak terkait sebagaimana a. Provision of funds to related parties as stipulated in the diatur dalam ketentuan Regulator tentang Batas Bank Indonesia regulations concerning Lending Limit Maksimum Pemberian Kredit bank Umum; dan for Commercial Banks; and b. Hal-hal lain yang ditetapkan dalam Anggaran dasar Bank atau peraturan perundangan yang berlaku. 7. Memastikan bahwa Direksi telah menindaklanjuti temuan 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 the audit dan rekomendasi dari satuan kerja audit intern audit findings and recommendations of the Bank’s internal Bank, auditor eksternal, hasil pengawasan Otoritas audit unit, the external auditors, the results of supervision Jasa Keuangan dan/atau hasil pengawasan otoritas by Bank Indonesia and/or by the other authorities, lain termasuk namun tidak terbatas pada Otoritas Jasa including but not limited to Bapepam-LK and/or the Keuangan dan/atau Bursa Efek Indonesia; Indonesia Stock Exchange. 8. Memberitahukan kepada Otoritas Jasa Keuangan paling 8. To inform Bank Indonesia within 7 (seven) working days lambat 7 (tujuh) hari kerja sejak ditemukannya : after the discovery of: a. Pelanggaran peraturan perundang-undangan dibidang a. Violation to laws and regulations in the field of finance keuangan dan perbankan; dan b. Keadaan atau perkiraan keadaan yang dapat membahayakan kelangsungan usaha Bank. 9. Berkewajiban membentuk paling kurang : and banking. b. The condition or forecasts on matters that can harm the Bank’s sustainability. 9. To have the obligation to establish at least: a. Komite Audit; a. Audit Committee b. Komite Pemantau Risiko; b. Risk Monitoring Committee, and c. Komite Remunerasi dan Nominasi. c. Remuneration and Nomination Committee 10.Dewan Komisaris wajib menyelenggarakan RUPS Tahunan dan RUPSLB sesuai kewenangannya dalam peraturan perundang-undangan dan Anggaran Dasar; 11.Dewan Komisaris wajib melakukan evaluasi terhadap 10.The Board of Commissioners must conduct Annual and EGMS in accordance with its authority in legislations and the Articles of Association; 11.The Board of Commissioners must evaluate the kinerja komite yang membantu pelaksanaan tugas dan performance of committees that helped the tanggung jawabnya setiap akhir tahun buku. implementation of its duties and responsibilities every end of fiscal year. 356 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Pembagian Ruang Lingkup Tugas dan Tanggung Jawab Distribution of Scope of Duties and Responsibilities of Masing-Masing Anggota Dewan Komisaris Each Member of the Board of Commissioners Secara khusus pembagian tugas dan tanggung jawab Dewan Generally, the duties and responsibilities of the Board of Komisaris adalah sebagai berikut: Commissioners are as follows: Tabel pembagian tugas dan tanggung jawab masing-masing Table of distribution of duties and responsibilities of each Dewan Komisaris member of the Board of Commissioners Komisaris Utama / President Commissioner - Tjendrawati Widjaja 1. Melakukan koordinasi seluruh kegiatan Anggota Dewan Komisaris dan bersama-sama Anggota Dewan Komisaris lainnya melakukan peningkatkan fungsi pengawasan terhadap pengelolaan dan kinerja Perseroan / To coordinate all activities of the members of the Board of Commissioners in order to improve the supervisory function toward the management and performance of the Company. 2 Melakukan pengawasan terkait Credit, Liabilities Product Development, Sharia, Treasury, Global Trade Services/FI, Electronic Channel Operations, Retail Business, Micro Small Business Group, Corporate Retail Acquisition, Main Branch Thamrin, dan Sales & Distribution yang secara garis besar adalah / To perform monitoring on credit, liabilities product development, sharia, treasury, Global Trade Services, and Electronic Channel Operations, which generally covers the following: a. Pengawasan terhadap kegiatan pemberian dan komposisi kredit berdasarkan penerapan prinsip kehati-hatian (prudential principle) termasuk tindaklanjut atas temuan Otoritas Jasa Keuangan di bidang kredit / Supervision on loan approval and composition based on prudential principle, including the follow up of the findings of Bank Indonesia in the field of credit. b. Pengawasan terhadap pengembangan dan peluncuran produk/jasa baru yang dikeluarkan / Supervision on the development and launching of products/services, among others, funding, business partner development, credit card, investment product, as well as electronic channels. c. Pengawasan terhadap kegiatan Unit Usaha Syariah / Supervision over the Sharia Business Line. d. Pengawasan atas likuiditas, kegiatan terkait pasar uang, surat berharga dan kegiatan jual beli valuta asing / Supervision on liquidity, activities related to money market, securities, and activities of foreign exchange trade. e. Pengawasan terhadap kegiatan Global Trade Services/FI / Supervision on Global Trade Services/FI. f. Pengawasan terhadap kegiatan Electronic Channel Operations seperti card issuance, rekonsiliasi, settlement, system development, system procedure, monitoring & deployment, dan product development / Supervision over Electronic Operations activities such as card issuance, reconciliation, settlement, system development, system procedures, monitoring and deployment, and product development. g. Pengawasan terhadap bisnis retail Perseroan khususnya pemberian fasilitas kredit retail dan pemantauan kelancaran kredit retail sesuai dengan ketentuan standar kredit yang sehat / Supervision on the Company’s retail business, especially retail credit and supervision on the smoothness of retail credit in accordance with the provisions of sound credit standards. h. Pengawasan terhadap kegiatan unit mikro bisnis agar memenuhi standar yang ditetapkan khususnya permohonan pembiayaan nasabah / Supervision on the micro business unit to meet the determined standards, especially customer financing requests. i. Pengawasan terhadap kegiatan pemasaran dalam hal deepening dan cross sell atas seluruh jasa perbankan terutama retail products seperti payroll, KTA payroll, Bancassurance, reksadana, credit card, digital banking / Supervision over marketing activities in deepening and cross sell on all bank services especially retail products such as payroll, KTA payroll, Bancassurance, mutual funds, credit card, and digital banking. j. Pengawasan terhadap seluruh aktivitas di KCU Thamrin yang berhubungan dengan kredit, funding, operasional dan kegiatan lainnya dengan pihak internal maupun eksternal / Supervision on all activities in KCU Thamrin related to credit, funding, operations and other activities with both internal and external parties. k. Pengawasan terhadap jalannya penerapan strategi bisnis di masing-masing Kantor Wilayah dan Kantor Cabang / Supervision on implementation of business strategies in each regional and branch office. Komisaris Independen / Independent Commissioner - Sammy Kristamuljana 1. Bersama-sama dengan anggota Dewan Komisaris lainnya dalam meningkatkan fungsi pengawasan terhadap pengelolaan dan kinerja Perseroan / Together with members of the Board of Commissioners, to improve the oversight function of the Company’s management and performance. Annual Report 2015 | PT. BANK SINARMAS Tbk. 357 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Komisaris Independen / Independent Commissioner - Sammy Kristamuljana 2 Melakukan pengawasan terkait Loan Recovery, Business Continuity Management, SKMR, Information Technology, Financial Planning & Controlling & Performance Management, Compliance, Capital Market, Card Center, Digital Banking, BND, dan Bancassurance & Agency secara garis besar adalah / Together with members of the Board of Commissioners, to improve the oversight function of the Company’s management and performance: a. Pengawas atas debitur dengan kredit bermasalah / Supervision on the debtors with non-performing loans. b. Pengawasan atas kebijakan dan pelaksanaan Business Continuity Plan / Supervision on the policy and implementation of Business Continuity Plan. c. Pengawasan terhadap perumusan, penetapan, dan evaluasi kebijakan manajemen risiko / Supervision on the formulation, determination, and evaluation of risk management policies. d. Pengawasan terhadap perumusan dan evaluasi pengembang jaringan teknologi informasi guna mendukung kegiatan Perseroan (Blueprint teknologi Informasi) / Supervision on the formulation and evaluation of information technology development network to support the activities of the Company (Information Technology Blueprint). e. Pengawasan terhadap perumusan dan evaluasi strategi Perseroan yang tertuang dalam rencana bisnis dan corporate plan dikaitkan dengan visi dan misi Perseroan / Supervision on the formulation and evaluation of the Company’s strategy set out in the business plan and corporate plan, which is associated with the Company’s vision and mission. f. Pengawasan atas kepatuhan terhadap peraturan internal maupun peraturan eksternal (Regulator perbankan dan pasar modal) / Supervision on compliance on both internal and external regulations (banking and capital market regulators). g. Pengawasan terhadap pengembangan dan pemasaran produk pasar modal / Supervision on development and marketing of capital market products. h. Pengawasan terhadap ketentuan dan prosedur kerja kartu kredit khususnya otorisasi kenaikan limit sementara / Supervision on work provisions and procedures of credit card, especially authorization on temporary limit increase. i. Pengawasan terhadap proses pengembangan produk-produk online banking dan perkembangan tren online banking agar tercipta competitive advantage dalam persaingan pasar / Supervision on development process of online banking products and trend developments of online banking to establish competitive advantage in market competition. j. Pengawasan terhadap rencana pengembangan jaringan kantor baru, analisis dan segmentasi pasar / Supervision on planning of development of new office network, market analysis and segmentation. k. Pengembangan terhadap aktivitas transaksi bancassurance dan keagenan yang memberikan konstribusi penjualan / Development on bancassurance and agency transaction activities that contribute on sales. Komisaris Independen / Independent Commissioner - Rusmin 1. Bersama-sama dengan anggota Dewan Komisaris lainnya dalam meningkatkan fungsi pengawasan terhadap pengelolaan dan kinerja Perseroan / Together with member of the Board of Commissioners, to improve the supervisory function on the Company’s management and performance. 2 Melakukan pengawasan terkait SKAI, Human Capital Recuritment & Admin Support, Human Capital System & Strategic, Accounting, Credit Administration & Control, Operations, Corporate Secretary & Legal, General Affairs, Anti Fraud, Procurement, dan Wealth Management yang secara garis besar adalah / To perform supervision related to Internal Audit, Human Capital Management, Accounting, Credit Administration & Control, Operations, Corporate Secretary & Communication, and General Affairs, which is generally described below: a. Pengawasan terhadap pengendalian internal yang dilaksanakan oleh audit internal dan audit eksternal / Supervision on the internal control that is implemented by internal and external audit. b. Pengawasan atas kegiatan perekrutan dan pengembangan sumber daya manusia. / Supervision on the recruitment and human resources development c. Pengawasan atas pelaksanaan corporate action dan pemenuhan terhadap ketentuan peraturan eksternal (Regulator perbankan dan pasar modal) / Supervision on the implementation of corporate action and the fulfillment of external regulations (banking and capital market Regulators). d. Pengawasan terhadap perlakuan akuntansi dan laporan keuangan Perseroan serta pendapatan, biaya dan pajak Perseroan / Supervision on accounting and financial statements of the Company. e. Pengawasan terhadap pelaksanaan fungsi administratif kredit / Supervision on loan administrative function implementation. g. Pengawasan terhadap setiap perbuatan hukum yang diambil Bank dan pengendalian terhadap risiko hukum / Supervision on every legal action taken by the Bank and management towards legal risks. h. Pengawasan atas kegiatan pemeliharaan aset perusahaan dan ketepatan atas pemenuhan kebutuhan administrasi perseroan dengan memperhatikan efisiensi Perseroan / Supervision on maintenance of the Company’s assets and the accuracy of fulfillment of the Company’s administrative needs by paying attention to the Company’s efficiency. 358 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Komisaris Independen / Independent Commissioner - Rusmin i. Pengawasan terhadap strategi bank dalam pencegahan dan pengendalian fraud / Supervision on the Bank’s strategy in fraud prevention and controlling. j. Pengawasan terhadap segala kebutuhan Perseroan akan barang-barang IT sesuai standar minimal yang ditentukan / Supervision on all of the Company’s needs on IT goods in accordance with the set minimal standards. k. Pengawasan terhadap proses pengembangan produk investasi baik untuk existing product maupun new product dalam rangka meningkatkan fee based income bagi Bank / Supervision on development process of investment products both existing and new products in order to improve fee based income for the Bank. Independensi, Kepemilikan Saham, dan Hubungan Independence, Share Ownership, and Affiliation Afiliasi Relationship Berdasarkan Peraturan Bank Indonesia Nomor 8/14/PBI/2006 Based on Bank Indonesia Regulation No. 8/4/PBI/2006 on tentang Perubahan Atas Peraturan Bank Indonesia Nomor 8/4/ Amendment on the Bank Indonesia Regulation about GCG PBI/2006 tentang Pelaksanaan Good Corporate Governance Implementation for Commercial Banks, the members of the bagi Bank Umum, Anggota Dewan Komisaris wajib Board of Commissioners must disclose: mengungkapkan: 1. Kepemilikan saham yang mencapai 5% (lima persen) atau 1. Share ownership of up to 5% (five percent) or more both lebih baik pada Bank yang bersangkutan maupun pada for the concerned Bank and other Banks and Companies Bank dan Perusahaan lain yang berkedudukan di dalam located in and out of the country. dan di luar negeri 2. Financial and family relationship with other members of 2. Hubungan keuangan dan hubungan keluarga dengan anggota Dewan Komisaris lain, anggota Direksi dan/atau the Board of Commissioners, Board of Directors, and/or pemegang saham pengendali Bank. controlling shareholders of the Bank. Seluruh anggota Dewan Komisaris tidak memiliki kepemilikan All members of the Board of Commissioners have no dan/atau hubungan keuangan, serta hubungan keluarga financial relationships and/or family relationships (to the (sampai dengan derajat kedua) dengan anggota Dewan second degree) with other members of the Board of komisaris lainnya, anggota Direksi, dan/atau pemegang saham Commissioners, the Board of Directors, and/or controlling pengendali. Selain itu, anggota Dewan Komisaris tidak ada shareholders. In addition, none of the members of the Board yang merangkap jabatan sebagai anggota Dewan komisaris, of Commissioners hold concurrent positions as members of Direksi, atau Pejabat Eksekutif pada suatu lembaga keuangan the Board of Commissioners, Board of Directors, or Executive lain, atau anggota Dewan Komisaris, Direksi, atau Pejabat Officer in other financial institutions, or a member of the Eksekutif yang melaksanakan fungsi pengawasan pada Board of Commissioners, Board of Directors, or the Executive satu anak perusahaan bukan Bank yang dikendalikan oleh Officer that carries out supervision on a non-bank subsidiary perusahaan. controlled by the Company. Hubungan Afiliasi Dewan Komisaris Affiliation of Board of Commissioners Hubungan Keuangan dengan Financial Relationship with Nama / Name Dewan Komisaris / Board of Commissioners Yes No Direksi / Board of Directors Yes No Hubungan Keluarga dengan Family relationship with Pemegang Saham / Shareholders Yes No Dewan Komisaris/ Board of Commissioners Yes No Direksi / Board of Directors Yes No Pemegang Saham / Shareholders Yes No Tjendrawati Widjaja x x x x x x Sammy Kristamuljana x x x x x x Rusmin x x x x x x Annual Report 2015 | PT. BANK SINARMAS Tbk. 359 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Informasi kepemilikan saham Dewan Komisaris sebagai Information on share ownership of the Board of berikut: Commissioners are as follows: Tabel kepemilikan saham Dewan Komisaris Tabel of share ownership of the Board of Commissioners Nama / Name 31 Desember 2014 / December 31, 2014 31 Desember 2015 / December 31, 2015 Tjendrawati Widjaja (Komisaris Utama / President Commissioner) - 1.258.300 saham (0,0089%) / 1,258,300 shares (0,0089%) Sammy Kristamuljana (Komisaris Independen / Independent Commissioner) - - Rusmin (Komisaris Independen / Independent) - - Rangkap Jabatan Dewan Komisaris Concurrent Position of the Board of Commissioners Berdasarkan Peraturan Bank Indonesia No. 8/4/PBI/2006 Based on Bank Indonesia Regulation No. 8/4/PBI/2006 on tentang Pelaksanaan Good Corporate Governance bagi Bank Good Corporate Governance Implementation, members of Umum, anggota Dewan Komisaris diperkenankan untuk the Board of Commissioners are allowed to hold concurrent merangkap jabatan, namun dengan ketentuan sebagai positions with the following conditions: berikut: a. Hanya dapat menjadi anggota Dewan Komisaris, Direksi, atau Pejabat Eksekutif pada 1 (satu) lembaga/perusahaan a. They can only become a member of the Board of Commissioners, Board of Directors, or the Executive Officer in 1 (one) non-financial institution/company, or bukan lembaga keuangan, atau b. Anggota Dewan Komisaris, Direksi, atau Pejabat Eksekutif b. Members of the Board of Commissioners, Board yang melaksanakan fungsi pengawasan pada 1 (satu) of Directors, or the Executive Officer that carry out perusahaan anak bukan Bank yang dikendalikan oleh supervisory function in one (1) non-bank subsidiaries Bank. controlled by the Bank. Informasi mengenai rangkap jabatan anggota Dewan Information on concurrent position of members of Board of Komisaris sebagai berikut: Commissioners. Tabel informasi rangkap jabatan anggota Dewan Komisaris Table of information on concurrent position of members of Board of Commissioners Jabatan di Bank Sinarmas / Position in Bank Sinarmas Jabatan di Bank Lain / Position in other bank Jabatan di Perusahaan/ Lembaga Lain / Position in other instutitions Tjendrawati Widjaja x x x Sammy Kristamuljana x x x Rusmin x x x Nama / Name Pedoman dan Tata Tertib Kerja Dewan Komisaris Guidelines and Work Rules of Board of Commissioners Pedoman dan tata tertib kerja Dewan Komisaris ditetapkan Guidelines and work rules of Board of Commissioners melalui Surat Keputusan nomor SK.001/2015/PRESKOM- are determined through Decree number SK.001/2015/ CorSec&CorComm tertanggal 17 April 2015. Adapun isi PRESKOMCorSec&CorComm dated April 17, 2015. The dari pedoman dan tata tertib Dewan Komisaris antara lain guidelines and work rules of the Board of Commissioners mengatur: consist of the following: 1. Ketentuan umum 1.General provisions 2. Syarat anggota Dewan Komisaris 2. Condition of membership of the Board of Commissioners 3. Susunan Dewan Komisaris 3. Composition of the Board of Commissioners 360 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement 4. Hari, jam kerja dan cuti Dewan Komisaris 4. Working days, hours, and day-offs of the Board of 5. Tugas dan tanggung jawab Dewan Komisaris 5. Duties and Responsibilities of the Board of Commissioners 6. Masa Jabatan 6. Term of office 7. Keikutsertaan saham 7. Share participation 8. Rapat 8.Meetings 9. Perjalanan dinas Dewan Komisaris 9. Business trip of the Board of Commissioners 10. Hubungan Keuangan, Hubungan Kepengurusan, 10.Financial affair, management affair, share ownership affair, Commissioners hubungan kepemilikan saham dan/atau Hubungan and/or family relationship Keluarga 11. Pakaian 11.Outfit 12. Kepatuhan Terhadap Ketentuan 12.Compliance to provisions 13. Kode Etik 13.Code of Ethics 14. Peningkatan Kompetensi Dewan Komisaris 14.Competence improvement for the Board of Commissioners 15.Pengunduran Diri/Pemberhentian Anggota Dewan 15.Resignation/Dismissal of Members of the Board of Komisaris Commissioners 16.Larangan 16.Illegal Frekuensi, Tingkat Kehadiran, dan Rekap Absensi Rapat Frequency, Attendance Rate and Absence Record of Dewan Komisaris Board of Commissioners Dewan Komisaris menyelenggarakan rapat Dewan Komisaris The Board of Commissioners holds Board of Commissioners yang efektif dan menghadiri rapat tersebut sesuai dengan meetings effectively and attends those meetings in accordance ketentuan Surat Keputusan No.SK.001/2015/PRESKOM- with the provisions of the Decree number SK.001/2015/ CorSec&CorComm tanggal 17 April 2015 tentang Pedoman PRESKOMCorSec&CorComm dated 17 April 2015 about dan Tata Tertib Kerja Dewan Komisaris PT. Bank Sinarmas Tbk. Guidelines and Working Rules of the Board of Commissioners dalam point VII tentang Rapat. of PT Bank Sinarmas Tbk in point VII about Meetings. Rapat Rutin Dewan Komisaris wajib diselenggarakan secara Regular Meeting of the Board of Commissioners must be berkala minimal 1 (satu ) kali dalam 2 (dua) bulan. Rapat held routinely at least once in 2 (two) months. The meetings tersebut dihadiri secara fisik oleh anggota Dewan Komisaris are physically attended by members of the Board of dan dipimpin oleh Komisaris Utama. Seluruh hasil rapat Commissioners and chaired by the President Commissioner. diputuskan berdasarkan musyawarah mufakat dan dituangkan All meeting results are decided after consensus and set secara tertulis dalam risalah rapat serta di dokumentasikan forth in writing in the minutes of the meeting as well as dengan baik. Adapun Rapat Dewan Komisaris yang telah documented properly. The Board of Commissioners’ meetings diselenggarakan selama tahun 2015 adalah sebagai berikut: that have been implemented in 2015 are as follows: Tabel frekuensi dan tingkat kehadiran anggota Dewan Table of meeting frequency and attendance rate of the Board Komisaris dalam rapat of Commissioners No Nama / Name Jabatan / Position Frekuensi Kehadiran / Attendance Frequency 1 Tjendrawati Widjaja Komisaris Utama / President Commissioner 7/7 2 Sammy Kristamuljana Komisaris Independen / Independent Commissioner 7/7 3 Rusmin Komisaris Independen / Independent Commissioner 7/7 Annual Report 2015 | PT. BANK SINARMAS Tbk. 361 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis PROFIL PERUSAHAAN Company Profile Tabel rekap absensi rapat Dewan Komisaris Table of Absence Recapitulation at the Board of Commissioners’ Meeting Tanggal / Date Tjendrawati Widjaja Sammy Kristamuljana Rusmin 27 Februari 2015 / February 27, 2015 √ √ √ 17 April 2015 / April 17, 2015 √ √ √ 26 Juni 2015 / June 26, 2015 √ √ √ 14 Agustus 2015 / August 14, 2015 √ √ √ 18 September 2015 / September 18, 2015 √ √ √ 28 Oktober 2015 / October 28, 2015 √ √ √ 3 Desember 2015 / December 3, 2015 √ √ √ Tabel agenda rapat Dewan Komisaris Tanggal / Date 27 Februari 2015 / February 27, 2015 17 April 2015/ April 17, 2015 26 Juni 2015 / June 26, 2015 362 Nomor Risalah Rapat / Minutes of Meeting Number Table of meeting agenda of Board of Commissioners Agenda Rapat / Meeting Agenda RR.001/2015/DEKOM 1. Penyesuaian pedoman dan tata tertib Dewan Komisaris berdasarkan Peraturan Bank Indonesia dan Peraturan Otoritas Jasa Keuangan 2. Evaluasi Piagam Komite Remunerasi & Nominasi 3. Update hasil Pemeriksaan KAP 1. Adjustment of guidelines and procedures of the Board of Commissioners based on Bank Indonesia Regulation and the Financial Services Authority Regulation. 2. Evaluation on the Remuneration & Nomination Committee Charter 3. Update on KAP Audit Result RR.002/2015/DEKOM 1. Evaluasi piagam komitekomite di bawah Dewan Komisaris 2. Pembagian Tugas dan Tanggung Jawab Dewan Komisaris 3. Kinerja Bank Sinarmas Triwulan i-2015 1. Evaluation on charters of committees below the Board of Commissioners 2. Distribution of duties and responsibilities of the Board of Commissioners 3. Performance of Bank Sinarmas in the 1st quarter of 2015 1. Evaluasi Piagam Komite Pemantau Risiko dan Piagam Komite Audit 2. Membahas Kinerja Bank Sinarmas triwulan I-2015 (sesuai surat OJK No.S-71/ PB.331/2015 tanggal 9 Juni 2015) 3. Membahas Laporan Keuangan Tahunan Tahun 2014 Bank Sinarmas (sesuai surat OJK No.S-79/ PB.331/2015 tanggal 23 Juni 2015) 1. Evaluation of Risk Monitoring Committee Charter and Audit Committee Charter 2. Discussing the performance of Bank Sinarmas in the 1st quarter of 2015 (in accordance with the letter of the FSA No. S-71/ PB.331/2015 dated June 9, 2015) 3. Discussing the Annual Financial Statement of Bank Sinarmas in 2014 (in accordance with the letter of the FSA No. S-71/ PB.331/2015 dated June 23, 2015) RR.003/2015/DEKOM Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units Tanggal / Date TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Nomor Risalah Rapat / Minutes of Meeting Number Laporan Keuangan Konsolidasi Consolidated Financial Statement Agenda Rapat / Meeting Agenda 14 Agustus 2015 / August 14, 2015 RR.004/2015/DEKOM 1. Pengunduran diri pihak independen 2. Evaluasi Komite Good Corporate Governance 3. Kinerja Bank Sinarmas Triwulan II-2015 18 September 2015 / September 18, 2015 RR.005/2015/DEKOM 1. Pihak independen 28 Oktober 2015 / October 28, 2015 RR.006/2015/DEKOM 1. Kinerja Bank Sinarmas triwulan III-2015 RR.007/2015/DEKOM 1. Laporan Kinerja Dewan Komisaris PT. Bank Sinarmas Tbk. tahun 2015 2. Program Kerja Dewan Komisaris tahun 2016 3. Pembubaran Komite Tata Kelola Perusahaan 3 Desember 2015 / December 3, 2015 Kunjungan Kerja Dewan Komisaris Work Visit of Board of Commissioners Sepanjang tahun 2015, Dewan Komisaris melakukan Throughout 2015, the Board of Commissioners made a beberapa kunjungan ke beberapa kantor cabang. Dalam visit to several branch offices. During their visit, the Board kunjungan tersebut, Dewan Komisaris memberikan briefing of Commissioners gave some briefing or discussed certain atau membahas hal-hal tertentu terkait aktivitas bisnis kantor matters on business activities of the branches. The Board of cabang. Dewan Komisaris juga melakukan sharing session Commissioners also conducts sharing session where they yang berisikan pembekalan, pengarahan, dan wejangan baik share their knowledge, insight, and provide advices to the kepada karyawan yang baru bergabung maupun karyawan employees, both newly-joined or working at the Company for yang sudah lama bergabung di Bank Sinarmas. a long time in Bank Sinarmas. Informasi mengenai kunjungan kerja Dewan Komisaris pada Information on work visit of the Board of Commissioners in 2015 sebagai berikut: 2015 is as follows: No Tanggal / Dated 1 24 - 27 Agustus 2015 / August 24 - 27, 2015 2 13 Juli 2015 / July 13, 2015 3 23 - 25 November 2015 / November 23 - 25, 2015 Kota / City Topik Kunjungan / Visit Topic Denpasar Performance Review Banjarmasin Performance Review Makassar Performance Review Orientasi Bagi Dewan Komisaris Baru Policy for New Board of Commissioners Orientasi diberikan kepada Dewan Komisaris yang baru Orientation is given to the new Board of Commissioners pertama menjabat di Bank Sinarmas. Apabila Dewan Komisaris who has just served at Bank Sinarmas. If there is only a half yang diganti hanya sebagian, maka penanggung-jawab of the Board of Commissioners who gets replaced, then the orientasi tersebut adalah Dewan Komisaris lainya dan atau person in charge of the orientation is the other Board of Sekretaris Perusahaan. Commissioners and/or Corporate Secretary. Materi yang diberikan pada program orientasi meliputi hal-hal The materials given in the orientation program covers the sebagai berikut: following: 1.Gambaran mengenai Bank Sinarmas berkaitan dengan 1. Description on Bank Sinarmas which relates to the tujuan, sifat, lingkup kegiatan, kinerja keuangan dan objective, nature, scope of activities, financial and operasi, strategi, rencana usaha jangka pendek dan jangka operational performances, strategies, short-term and long- Annual Report 2015 | PT. BANK SINARMAS Tbk. 363 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report panjang, posisi kompetitif, risiko dan berbagai masalah strategis lainnya. PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis term business plan, competitive positions, risks, and other various strategic matters. 2. Pelaksanaan prinsip-prinsip GCG oleh Bank Sinarmas. 2. Implementation of GCG principles by Bank Sinarmas. 3. Pemahaman terhadap tugas dan tanggung jawab Dewan 3. Understanding on duties and responsibilities of Board of Komisaris. Commissioners. 4. Penjelasan yang berkaitan dengan kewenangan yang 4. Explanation related to the authority that has been didelegasikan, audit internal dan eksternal, sistem dan delegated, internal and external audit, system and policy kebijakan pengendalian internal serta tugas dan peran of internal control, as well as duties and roles of Audit Komite Audit dan Komite-komite lain yang dibentuk oleh Committee and other Committees established by the Komisaris. Commissioner. 5. Penjelasan mengenai kebijakan-kebijakan yang menunjang pelaksanaan tugas dan tanggung jawab Dewan Komisaris. 5. Explanation on policies supporting the implementation of the Board of Commissioners and Board of Directors. Program Pelatihan Dewan Komisaris Training Program of Board of Commissioners Berdasarkan Surat Keputusan No.SK.001/2015/PRESKOM- The Decree No. SK.001/2015/PRESKOMCorSec&CorComm CorSec&CorComm tanggal 17 April 2015 tentang Pedoman dated April 17, 2015 about Guidelines and Working Rules for dan Tata Tertib Kerja Dewan Komisaris Bank Sinarmas the Board of Commissioners of Bank Sinarmas point XIV about point XIV tentang Peningkatan Kompetensi Dewan Competence Improvement of the Board of Commissioners Komisaris disebutkan bahwa Anggota Dewan Komisaris states that members of the Board of Commissioners must wajib melaksanakan/mengikuti pelatihan setiap tahunnya. attend training programs every year. Referring to the Merujuk Surat Keputusan Dewan Komisaris, maka dalam Decree of the Board of Commissioners, in order to improve rangka meningkatkan kompetensi yang sejalan dengan competence in line with the development of the banking perkembangan bisnis perbankan, adapun di tahun 2015, business, in 2015, the Board of Commissioners has attended Dewan Komisaris telah mengikuti beberapa seminar/pelatihan/ some seminars/trainings/workshops, inter alia: workshop, antara lain : No Tanggal / Dated Training Penyelenggara / Organizer Tempat / Location TJENDRAWATI WIDJAJA 1 11 Februari 2015 / February 11, 2015 2 3 364 Training 10 Elemen Transformasi McKinsey Sinarmas Land Plaza, Jakarta 24 Maret 2015 / March 24, 2015 Training LMS & Performance Dashboard McKinsey Sinarmas Land Plaza, Jakarta 17 April 2015 / April 17, 2015 Overview of Indonesian capital Market Sinarmas Sekuritas Sinarmas Land Plaza, Jakarta Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units No TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggal / Dated 4 11 November 2015 / November 11, 2015 5 23 Oktober 2015 / October 23, 2015 Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Training Penyelenggara / Organizer KOMISARIS PROFESSIONAL Governance of Risk PT. Intipesan Pariwara Indonesian Institute For Corporate Directorship Laporan Keuangan Konsolidasi Consolidated Financial Statement Tempat / Location JW Marriot Hotel, Jakarta. Sinarmas Land Plaza, Jakarta SAMMY KRISTAMULJANA 1 17 April 2015 / April 17, 2015 2 23 Oktober 2015 / October 23, 2015 Overview of Indonesian capital Market Governance of Risk Sinarmas Sekuritas Sinarmas Land Plaza, Jakarta Indonesian Institute For Corporate Directorship Sinarmas Land Plaza, Jakarta RUSMIN 1 17 April 2015 / April 17, 2015 2 23 Oktober 2015 / October 23, 2015 Overview of Indonesian capital Market Governance of Risk Sinarmas Sekuritas Sinarmas Land Plaza, Jakarta Indonesian Institute For Corporate Directorship Sinarmas Land Plaza, Jakarta KOMISARIS INDEPENDEN INDEPENDENT COMMISSIONER Kriteria Penentuan Komisaris Independen Criteria to Appoint Independent Commissioner Anggota Dewan Komisaris Bank Sinarmas telah memenuhi The number of members of Bank Sinarmas’ Board of jumlah, komposisi, kriteria dan independensi sesuai Peraturan Commissioners is in line with the number, composition, Bank Indonesia No.8/4/PBI/2006 jo. PBI No.8/14/PBI/2006 criteria, and independency as regulated in Bank Indonesia Tentang Perubahan atas Peraturan Bank Indonesia No.8/4/ Regulation No.8/4/PBI/2006 and PBI No.8/14/PBI/2006 on PBI/2006 Tentang Pelaksanaan GCG bagi Bank Umum serta Changes in the Bank Indonesia Regulation No.8/4/PBI/2006 Surat Edaran Bank Indonesia No.15/15/DPNP/2013 tanggal 29 concerning GCG Implementation for Commercial Banks April 2013 perihal Pelaksanaan Good Corporate Governance and Circular Letter of Bank Indonesia No.15/15/DPNP/2013 bagi Bank Umum. Jumlah anggota Dewan Komisaris Bank dated April 29, 2014 regarding the Implementation of Good Sinarmas saat ini adalah 3 (tiga) orang, sebanyak 2 (dua) Corporate Governance for Commercial Banks. The number orang atau sebanyak 67% diantaranya merupakan Komisaris of members of Bank Sinarmas’ Board of Commissioners is Independen. Komposisi tersebut juga telah memenuhi currently 3 (three) people, 2 (two) of them or 67% of them peraturan yang ditetapkan oleh Regulator mengenai Komisaris are Independent Commissioners. The composition has met Independen. the regulation enforced by the Regulator on Independent Commissioners. Saat ini, Bank Sinarmas memiliki 2 (dua) anggota Komisaris Currently, Bank Sinarmas has 2 (two) members of Independen. Komisaris Independen merupakan anggota Independent Commissioner. Independent Commissioner is a Komisaris yang berasal dari luar Bank (tidak memiliki member of Board of Commissioners who are not a member hubungan afiliasi dengan perusahaan) yang dipilih secara of the Bank (does not have affiliation with the company) and transparan dan independen, memiliki integritas dan are appointed transparently and independently, have the kompetensi yang memadai, bebas dari pengaruh yang integrity and proper competency, free from influence that berhubungan dengan kepentingan pribadi atau pihak lain, relates to personal or other parties’ interests, and able to work serta dapat bertindak secara objektif dan independen dengan objectively and independently by complying with the GCG berpedoman pada prinsip-prinsip GCG. principles. Annual Report 2015 | PT. BANK SINARMAS Tbk. 365 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Adapun kriteria penentuan Komisaris Independen adalah The criteria to determine the Independent Commissioner are sebagai berikut: as follows: a. Tidak memiliki hubungan keuangan, kepengurusan, a. Not having financial, management, share ownership and/ kepemilikan saham dan/atau hubungan keluarga dengan or family relationship with the other members of the Board anggota Dewan Komisaris lainnya, Direksi dan/atau of Commissioners, Board of Directors and/or controlling pemegang saham pengendali atau hubungan dengan shareholders or relationship with Bank sinarmas that can Bank Sinarmas yang dapat mempengaruhi kemampuannya affect its ability to act independently. untuk bertindak independen. b. Tidak bekerja rangkap sebagai Direktur di perusahaan lainnya yang terafiliasi dengan Bank Sinarmas. c. Tidak bekerja di Bank Sinarmas atau afiliasinya dalam kurun waktu 3 (tiga) tahun terakhir. d. Tidak menjadi pemasok dan pelanggan signifikan atau b. Not concurrently serving as Director at other companies affiliated with Bank Sinarmas. c. Not working at Bank Sinarmas or its affiliates within the past 3 (three) years. d. Not a major supplier and customer or serving as Director, menduduki Direktur, Komisaris dan jabatan eksekutif Commissioner, and executive offier at the supplier perusahaan pemasok dan pelanggan signifikan dari Bank company and major customer of Bank Sinarmas and its Sinarmas atau perusahaan afiliasinya. affiliates. e. Bukan merupakan penasehat profesional Bank Sinarmas atau perusahaan lainnya yang satu kelompok industri e. Not a professional advisor of Bank Sinarmas or other companies in the similar industry of Bank Sinarmas. dengan Bank Sinarmas. f. Tidak mempunyai keterkaitan (ketergantungan/ f. Not having financial independency, both directly and keterikatan) finansial, baik langsung maupun tidak indirectly, with Bank Sinarmas or companies providing langsung dengan Bank Sinarmas atau perusahaan yang products and services to Bank Sinarmas and its affiliates. menyediakan jasa dan produk kepada Bank Sinarmas dan afiliasinya. g. Tidak memiliki hubungan kontraktual dengan Bank Sinarmas atau perusahaan lainnya yang satu kelompok selain sebagai Komisaris perusahaan tersebut. h. Bebas dari kepentingan dan aktivitas bisnis atau hubungan g. Not having contractual relationship with Bank Sinarmas or other companies in a similar industry as the Commissioner in the company. h. Free from the interest and business activities or other lain yang dapat menghalangi atau mengganggu relationships that may hamper or disrupt their ability to kemampuannya untuk berpikir dan/atau bertindak secara think and/or act independently. independen. i. Mantan anggota Direksi atau pejabat eksekutif Bank i. Ex-member of the Board of Directors or executive officer of Sinarmas atau pihak-pihak yang mempunyai hubungan Bank Sinarmas or other parties that have relationship with dengan Bank Sinarmas, yang telah melewati masa Bank Sinarmas, who have passed the cooling off period tunggu atau cooling off selama satu tahun sejak yang for a year since they stop serving, except ex-Director or bersangkutan berhenti menjabat, kecuali mantan executive officer who conducts supervisory function. Direksi atau pejabat eksekutif yang melakukan fungsi pengawasan. Pernyataan tentang Independensi Masing-Masing Statement on Independency of Each Independent Komisaris Independen Commissioner Sesuai dengan kriteria PBI No.8/14/2006, Komisaris Pursuant to the criteria of PBI No.8/14/2006, Independent Independen tidak memiliki hubungan keuangan, Commissioner must not have financial, management, share kepengurusan, kepemilikan saham dan/atau hubungan ownership relationships and/or family relationship until the keluarga sampai dengan derajat kedua dengan anggota second degree with their fellow members of the Board Dewan Komisaris lainnya, Direksi dan/atau pemegang of Commissioners, Board of Directors, and/or controlling saham pengendali atau hubungan dengan Bank yang dapat shareholders or relationshp with the Bank, which can affect mempengaruhi kemampuannya untuk bertindak independen. their ability to act independently. 366 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Tabel independensi masing-masing Komisaris Independen Table of independency of each Independent Commissioner Hubungan Keuangan dengan Financial Relationship with Nama / Name Dewan Komisaris / Board of Commissioners Yes No Yes Hubungan Keluarga dengan Family relationship with Pemegang Saham / Shareholders Direksi / Board of Directors No Laporan Keuangan Konsolidasi Consolidated Financial Statement Yes Dewan Komisaris/ Board of Commissioners No Yes No Direksi / Board of Directors Yes No Pemegang Saham / Shareholders Yes No Sammy Kristamuljana x x x x x x Rusmin x x x x x x DIREKSI BOARD OF DIRECTORS Direksi merupakan organ tata kelola yang berwenang dan Board of Directors is the corporate governance organ that is bertanggung jawab penuh atas pengurusan Perseroan untuk fully authorized and responsible for managing the Company kepentingan Perseroan, sesuai dengan maksud dan tujuan based on the Company’s interest and in line with the purposes Perseroan serta mewakili Perseroan, baik di dalam maupun and objectives of the Company, and represents the Company, di luar pengadilan sesuai dengan Anggaran Dasar. Dalam inside and outside the court according to the Articles of melaksanakan tugasnya, Direksi bertanggung jawab kepada Association. In performing its duties, the Board of Directors RUPS. Pertanggungjawaban Direksi kepada RUPS merupakan is reponsible to the GMS. The accountability of the Board perwujudan akuntabilitas pengelolaan perusahaan sesuai of Directors to the GMS is the evidence of a responsible dengan prinsip-prinsip GCG. management of the Company according to the GCG principles. The Number, Composition, and Criteria of Board of Jumlah, Komposisi, dan Kriteria Direksi Directors Berdasarkan hasil RUPSLB yang diselenggarakan pada 24 Based on EGM results held on March 24, 2015, Mr. Soejanto Maret 2015, diputuskan menyetujui pengangkatan Soejanto Soetjijo and Mr. Frenky Tirtowijoyo Susilo were appointed Soetjijo dan Frenky Tirtowijoyo Susilo sebagai Direktur as the Company’s Director. Hence, the members of the Perseroan. Dengan demikian, jumlah anggota Direksi Company’s Board of Directors per December 31, 2015 Perseroan per 31 Desember 2015 berjumlah 8 (delapan) orang consisted of 8 (eight) people, which was 1 (one) President yang terdiri dari 1 (satu) Direktur Utama, 5 (lima) Direktur, Director, 5 (five) Directors, and 2 (two) Independent Directors. serta 2 (dua) Direktur Independen. Table of composition of Board of Directors Tabel susunan Direksi Persetujuan / Approval RUPS / GMS OJK (d/h) Bank Indonesia Periode Masa Jabatan / Term of Office Domisili / Domicile Direktur Utama / President Director 13 Juni 2014 (RUPSLB) / June 13, 2014 (EGM) 24 Oktober 2010 / October 24, 2010 15 Juni 2017 (RUPSLB) / June 15, 2017 (EGM) Indonesia Heru Agus Wuryanto Direktur / Director 13 Juni 2014 (RUPSLB) / June 13, 2014 (EGM) 28 Februari 2006 / February 28, 2006 15 Juni 2017 (RUPSLB) / June 15, 2017 (EGM) Indonesia Salis Teguh Hartono Direktur Independen / Independent Director 13 Juni 2014 (RUPSLB) / June 13, 2014 (EGM) 8 Oktober 2007 / October 8, 2007 15 Juni 2017 (RUPSLB) / June 15, 2017 (EGM) Indonesia No Nama / Name 1 Freenyan Liwang 2 3 Jabatan / Position Annual Report 2015 | PT. BANK SINARMAS Tbk. 367 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report Persetujuan / Approval No Nama / Name Jabatan / Position ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis PROFIL PERUSAHAAN Company Profile RUPS / GMS OJK (d/h) Bank Indonesia Periode Masa Jabatan / Term of Office Domisili / Domicile 4 Loa Johnny Mailoa Direktur / Director 13 Juni 2014 (RUPSLB) / June 13, 2014 (EGM) 14 April 2010 / April 14, 2010 15 Juni 2017 (RUPSLB) / June 15, 2017 (EGM) Indonesia 5 Halim Direktur / Director 13 Juni 2014 (RUPSLB) / June 13, 2014 (EGM) 12 Maret 2012 / March 12, 2012 15 Juni 2017 (RUPSLB) / June 15, 2017 (EGM) Indonesia 6 Hanafi Himawan Direktur Independen / Independent Director 13 Juni 2014 (RUPSLB) / June 13, 2014 (EGM) 6 Mei 2013 / May 6, 2013 15 Juni 2017 (RUPSLB) / June 15, 2017 (EGM) Indonesia 7 Soejanto Soetjijo Direktur / Director 24 Maret 2015 (RUPSLB) / March 24, 2015 (EGM) 10 Desember 2014 / December 10, 2014 15 Juni 2017 (RUPSLB) / June 15, 2017 (EGM) Indonesia 8 Frenky Tirtowijoyo Susilo Direktur / Director 24 Maret 2015 (RUPSLB) / March 24, 2015 (EGM) 27 Januari 2015 / January 27, 2015 15 Juni 2017 (RUPSLB) / June 15, 2017 (EGM) Indonesia Dengan demikian jumlah, komposisi, dan kriteria Direksi Therefore, the number, composition, and criteria of the Perseroan telah sesuai dengan aturan internal maupun Company’s Board of Directors has met the internal and eksternal, antara lain sebagai berikut: external regulations, among others: • Direksi diketuai oleh Direktur Utama. • Board of Directors is chaired by the President Director • Seluruh anggota Direksi berdomisili di Indonesia. • All members of the Board of Directors domicile in Indonesia. • Anggota Direksi berjumlah 8 (delapan) orang, melebihi dari jumlah Dewan Komisaris. • Pengangkatan Direksi dilakukan atas usul Komite • Board of Directors consists of 8 (eight) people, exceeding the number of the Board of Commissioners. • Appointment of Board of Directors is conducted by Remunerasi dan Nominasi sebelum dilakukan persetujuan considering the recommendation from the Remuneration dalam RUPS. and Nomination Committee prior to the approval from the GMS. • Seluruh anggota Direksi telah lulus Fit and Proper Test • All members of the Board of Directors have passed fit yang dilakukan oleh Bank Indonesia dan Otoritas Jasa and proper test conducted by the Bank of Indonesia and Keuangan. Financial Services Authority. Tugas dan Tanggung jawab Duties and Responsibilities Berdasarkan ketentuan dalam Anggaran Dasar, keputusan Referring to the provisions of Articles of Association, GMS RUPS, dan hukum yang berlaku di Indonesia khususnya dalam decisions and prevailing laws in Indonesia, particularly in the bidang perbankan, tugas dan tanggung jawab Direksi secara areas of banking, duties and responsibilities of the Board of umum adalah sebagai berikut: Directors in general are as follows: 1. Melaksanakan sebaik-baiknya tugas dan tanggung jawab 1. Carrying out duties and responsibilities as mandated by Direksi sebagaimana diamanatkan dalam peraturan the laws and regulations; perundang-undangan; 2. Melaksanakan sebaik-baiknya kewajibannya sebagaimana 2. Carrying out the obligations as set out in the Board diatur dalam Board Manual beserta perubahannya dan Manual and its amendments and the Decree of the Board Surat Keputusan Direksi ini beserta perubahannya; of Directors and its amendments; 368 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance 3. Merumuskan, menyusun, mensosialisasikan, dan Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement 3. Formulating, organizing, disseminating, and evaluating the mengevaluasi visi, misi, etos kerja, dan nilai perusahaan; vision, mission, work ethos, and the value of the company. 4. Seluruh kebijakan tertulis Perusahaan baik dalam bentuk 4. The whole written policy of the Company both in the form surat keputusan (“SK”) maupun surat edaran (“SE”) of a Decree or Circular Letter shall be approved and signed wajib disetujui dan ditandatangani oleh anggota Direksi by the members of the Board of Directors in accordance sesuai dengan ketentuan internal perseroan beserta with the internal regulations of the Company and its perubahannya; amendment. 5. Pengalihan tugas sementara anggota Direksi dapat 5. Temporary duty shift for the Board of Directors may be dilakukan dengan ketentuan : carried out with the following provisions: a) Apabila Direktur Utama cuti atau berhalangan hadir a) If the President Director is on leave or unable to attend, maka tugas-tugas Direktur Utama dilaksanakan the duties of the President Director are jointly carried secara bersama-sama oleh 2 (dua) orang Direktur out by 2 (two) other directors as stipulated in the lainnya sebagaimana diatur dalam Anggaran Dasar Company’s Articles of Association. Perusahaan; b) Direktur lainnya sebagaimana dijelaskan dalam huruf b) The other Director, as explained in point (a), is an (a) merupakan Direktur Alternate adalah Direktur alternate director, who accepts the temporary duty yang menerima pengalihan tugas sementara Direktur shift due to leave/inability to attend for any causes that dikarenakan cuti/berhalangan hadir oleh sebab apapun do not have to be proved to third parties contained in yang tidak perlu dibuktikan kepada pihak ketiga yang the Decree about Codes of Conduct for the Board of tertuang dalam Surat Keputusan tentang Pedoman Directors; Tata Tertib Direksi; c) Selain Direktur Alternate juga terdapat piket c) In addition to alternate director, there is also a daily harian Direksi yang mana masing-masing Direktur picket for the Board of Directors in which each tertentu harus selalu berada di kantor pada hari-hari particular director should be in office on certain days tertentu sesuai dengan jadwal yang telah disepakati according to the agreed schedule as stated in the sebagaimana tertuang dalam Surat Keputusan Decree No.SK.005/2015/PRESDIR-CorSec on Codes No.SK.005/2015/PRESDIR-CorSec tentang Pedoman of Conduct for The Board of Directors dated April 1, Tata Tertib Direksi tertanggal 1 April 2015. 2015. 6. Direksi wajib menerapkan prinsip-prinsip Good Corporate 6. Implementing GCG principles as set out in Bank Indonesia Governance sebagaimana diatur dalam Peraturan Bank Regulation No. 8/4/PBI/2006 dated January 30, 2006 Indonesia No. 8/4/PBI/2006 tertanggal 30 Januari 2006 regarding GCG Implementation which has been amended tentang Pelaksanaan Good Corporate Governance jo. to Bank Indonesia Regulation No. 8/14/PBI/2006 dated Peraturan Bank Indonesia No. 8/14/PBI/2006 tertanggal October 5, 2006 in each banking activity at all levels of the 5 Oktober 2006, dalam setiap kegiatan usaha Bank pada organization; seluruh tingkatan atau jenjang organisasi; 7. Mengoptimalkan pemanfaatan seluruh sumber daya yang dimiliki secara efektif dan efisien untuk pengembangan 7. Making the most of the available resources effectively and efficiently for the development of the Company; Perusahaan; 8. Membina dan menjaga hubungan baik dengan seluruh 8. Building and maintaining good relations with all parties pihak yang terkait dengan Bank (Stakeholders) diantaranya related to the Bank (stakeholders), such as shareholders, pemegang saham, Regulator bidang perbankan, Regulator banking regulators, capital market regulators, pasar modal, instansi pemerintah, nasabah, mitra usaha, governmental instances, business partners, the society, etc; masyarakat, dll; 9. Memiliki dan mematuhi pedoman tata tertib kerja dan 9. Having and complying with the work rules and Key pedoman Key Performance Indicator (KPI) sehingga Performance Indicator (KPI) guidelines to enable a focused pelaksanaan tugasnya dapat terarah dan efektif serta and effective task performance, and to function as a dapat digunakan sebagai salah satu alat penilaian kinerja; performance assessment tool; Annual Report 2015 | PT. BANK SINARMAS Tbk. 369 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report 10.Melaksanakan setiap hasil keputusan rapat dengan PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis 10.Carrying out every meeting decision by referring to the mengacu kepada anggaran dasar dan pedoman tata tertib Company’s Articles of Association and Board Charter of kerja Direksi antara lain: the Board of Directors, inter alia: a) Rapat dipimpin oleh Direktur Utama (primus inter a) The meetings are chaired by the President Director pares), dalam hal Direktur Utama berhalangan hadir (primus inter pares), in case the President Director maka dipilih oleh dan dari salah satu anggota Direksi is unable to attend, one member of the Board of yang hadir untuk memimpin rapat; Directors present to lead the meeting. b) Rapat adalah sah dan berhak mengambil keputusan b) The meetings are legal and have rights to take a yang mengikat apabila dihadiri lebih dari ½ (satu per bounding decision if attended by more than ½ (one dua) bagian dari jumlah anggota Direksi hadir atau half) part of the number of members of the Board of diwakili dalam rapat; Directors present or represented in the meeting; c) Dalam hal tidak tercapai musyawarah mufakat, c) In the case of no consensus is reached, decision- pengambilan keputusan dilakukan berdasarkan suara making is done by a majority vote, provided that the terbanyak, dengan ketentuan jumlah suara paling least number of votes more than ½ (one half) of the sedikit lebih dari ½ (satu per dua) bagian dari jumlah total votes cast at the meeting; suara yang dikeluarkan dalam rapat; d) Apabila pada saat pemungutan suara terbanyak d) If the majority vote results the same comparison, the diperoleh hasil perbandingan yang sama maka hak voting rights owned by the chairman will determine suara yang dimiliki pimpinan rapat akan menentukan the outcome of the decision. hasil keputusan tersebut. 11.Mengatur dan menetapkan struktur organisasi, 11.Managing and establishing the organizational structure, pendelegasian wewenang dan uraian tugas yang jelas delegation of authority and clear job descriptions for each bagi setiap pejabat maupun pegawai, baik di kantor pusat officer or employee, both at the head office and branches. maupun di kantor-kantor cabang; 12.Menyusun dan melaksanakan sistem manajemen risiko mencakup seluruh aspek kegiatan Perusahaan. 12.Preparing and implementing a risk management system covering all aspects of the Company’s activities. Pembagian Ruang Lingkup Tugas dan Tanggung Jawab Scope of Duties and Responsibilities of Each Member of Masing-Masing Anggota Direksi Board of Directors Berdasarkan Surat Keputusan SK.007a/2015/PRESDIR-CorSec Based on Decree SK.007a/2015/PRESDIR-CorSec dated 1 April tertanggal 1 April 2015, ruang lingkup tugas dan tanggung 2015, the scope of duties and responsibilities of each member jawab masing-masing anggota Direksi adalah sebagai berikut: of the Board of Directors is as follows: Freenyan Liwang - Direktur Utama / President Director 1. Koordinator kegiatan Direksi yang secara garis besar 1. Coordinator of the Board of Directors’ activities, which adalah : generally cover the following: a. Mengkoordinasikan seluruh kegiatan Anggota a. Coordinating all of the Board of Directors members’ Direksi guna meningkatkan efisiensi kerja dengan memperhatikan span of control; b. Mengkoordinasikan perumusan dan penyusunan 370 activities to improve the working efficiency by paying attention to the span of control; b. Coordinating the formulation and preparation of the strategi perusahaan baik jangka panjang (Corporate Company’s strategis, both long-term (Corporate Plan) Plan) maupun jangka menengah/pendek (Rencana and medium-term/short-term (Business Plan (RBB)) and Bisnis Bank (RBB)) serta mengusulkannya guna proposing it to obtain the approval of the Board of mendapatkan persetujuan dari Dewan Komisaris; Commissioners; Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance c. Melaksanakan, mengawasi, dan mengevaluasi jalannya Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement c. Implementing, supervising, and evaluating the Corporate Plan & RBB agar sesuai dengan visi, misi, implementation of Corporate Plan & RBB in accordance dan objektif Perusahaan yang telah ditetapkan; with the vision, mission, and objectives of the Company that have been set; d. Mengkoordinasikan perumusan dan pelaksanaan d. Coordinating the formulation and implementation of strategi program Corporate Social Responsibility yang Corporate Social Responsibility strategies that support menunjang kegiatan bisnis perusahaan; the company’s business activities; e. Memiliki kewenangan untuk memutuskan besarnya e. Having the authority to determine the amount of gaji atau remunerasi kepada karyawan dan/atau salary or remuneration to the employees and/or pejabat eksekutif unit kerja dibawahnya dengan executive officers under it by paying attention to memperhatikan rekomendasi Direktur Human Capital recommendations from the Director of Human Capital. (HC). 2. Membawahi langsung unit kerja Audit Intern Work Unit 2. Directly supervising the work units, such as Internal (Satuan Kerja Audit Intern (SKAI)), Global Trade Services/ Audit Unit, Global Trade Services, Financial Planning & Financial Institution, Financial Planning & Performance Controlling, Strategic & Performance Management, as well Management, Corporate Secretary & Legal serta Divisi Anti as the Regional Manager and Thamrin Branch Manager, Fraud yang secara garis besar adalah: the activities of which are generally as follows: a. Melaksanakan fungsi pengendalian internal melalui a. a.Carrying out internal control functions through the SKAI; b. Menetapkan, mengawasi dan mengevaluasi realisasi rencana audit internal. c. Melakukan pengembangan terhadap Global Trade Services/Financial Institution. d. Menetapkan, mengawasi dan mereview penerapan Internal Audit Unit; b. Establishing, monitoring and evaluating the realization of the internal audit plan; c. Conducting the development of Global Trade Services/ Financial Institution; d. Establishing, supervising and reviewing the kebijakan anti fraud (LED, FDS dan Mantis implementation of anti-fraud policies (LED, FDS, Complaint Handling) dalam memitigasi risiko melalui and Mantis Complaint Handling) in mitigating risks whistleblower sistem baik serta implementasi Strategi through whistleblower system and anti-fraud strategy Anti Fraud; e. Mengkaji dan mengevaluasi (memastikan) secara implementation; e. Routinely assessing and evaluating (ensuring) all berkala semua kebijakan dan peraturan internal internal policies and rules of the Bank, subsequently Bank, selanjutnya memberikan usulan dalam rangka providing proposals for its improvement, adjustment, perbaikan, penyesuaian dan penyempurnaannya; f. Mengarahkan, mengawasi dan mengelola kegiatan yang berkaitan dengan fungsi sekretaris perusahaan; g. Melakukan koordinasi untuk memastikan bahwa and perfecting; f. Directing, supervising, and managing activities related to the functions of a Corporate Secretary; g. Carrying out coordination to ensure that the seluruh kewajiban pelaporan perusahaan telah Company’s reporting obligation has been submitted to disampaikan kepada otoritas dan/atau pihak-pihak the authorities and/or interested parties such as Bank yang berkepentingan seperti Bank Indonesia, Otoritas Indonesia, the Financial Services Authority, Indonesia Jasa Keuangan, Bursa Efek Indonesia, Dewan Stock Exchange, the Board of Commissioners, Komisaris, Pemegang Saham, dll; h. Melaporkan pelaksanaan tugas dan tanggung Shareholders, etc; h. Reporting its implementation of duties and jawabnya kepada Regulator dengan tembusan kepada responsibilities to regulators with a copy to the Board Dewan Komisaris; of Commissioners; i. Mengikuti dan memastikan seluruh ketentuan/ i. Following and ensuring all prevailing provisions/ peraturan perundang-undangan yang berlaku, legislations, regulations issued by Bank Indonesia, and peraturan yang dikeluarkan oleh Bank Indonesia serta other agreements that have been made are complied perjanjian-perjanjian yang pernah dibuat telah dipatuhi and practiced properly; dan dijalankan dengan baik dan benar; Annual Report 2015 | PT. BANK SINARMAS Tbk. 371 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report j. Melakukan pengawasan atas bidang hukum PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis j. Conducting legal supervision that covers legal opinions yang meliputi pendapat hukum yang dikeluarkan, issued, legal problems of the Company, written permasalahan hukum perusahaan, dokumen-dokumen documents or agreements related to the Company; tertulis atau perjanjian yang terkait dengan Perseroan; k. Melakukan pengawasan dan evaluasi terhadap kinerja k. Conducting supervision and evaluation on the unit kerja dibawahnya. performance of working units below it. . Heru Agus Wuryanto - Direktur Syariah / Sharia Director 1. Ruang lingkup tugas dan tanggung jawabnya meliputi: a. Bersama-sama anggota Direksi lainnya meningkatkan efisiensi kerja dengan memperhatikan span of control. 1. The scope of its duties and responsibilities includes: a. Along with the other members of the Board of Directors, improving work efficiency by paying attention to the span of control. b. Bersama-sama anggota Direksi lainnya dan b. Along with the other members of the Board of penyusunan strategi perusahaan baik jangka panjang Directors, preparing the Company’s strategies, both (Corporate Plan) maupun jangka menengah/pendek long-term (Corporate Plan) and medium-term/short- (Rencana Bisnis Bank (RBB)) serta mengusulkannya term (Business Plan (RBB)) and proposing it to obtain guna mendapatkan persetujuan dari Dewan Komisaris. c. Melaksanakan, mengawasi, dan mengevaluasi jalannya the approval of the Board of Commissioners; c. Implementing, monitoring, and evaluating the Corporate Plan & RBB agar sesuai dengan visi, misi, implementation of Corporate Plan & RBB in accordance dan objektif Perusahaan yang telah ditetapkan. with the vision, mission, and objectives of the Company that have been set; d. Bersama-sama anggota Direksi lainnya perumusan d. Along with the other members of the Board of dan pelaksanaan strategi program Corporate Social Directors, formulating and implementing the Responsibility yang menunjang kegiatan bisnis Corporate Social Responsibility strategies that support perusahaan. e. Memiliki hak untuk merekomendasikan besarnya gaji the company’s business activities; e. Having the authority to determine the amount of salary atau remunerasi kepada karyawan dan/atau pejabat or remuneration to the employees and/or executive eksekutif unit kerja dibawahnya dengan persetujuan officers under it by approval of the Director of Human Direktur Human Capital (HC) dan Direktur Utama. Capital and the President Director. 2. Membawahi langsung Unit Usaha Syariah yang secara 2. Directly supervising Sharia Business Unit, the activities of garis besar adalah: which are generally as follows: a. Mengatur dan mengawasi seluruh kegiatan Kantor a. Coordinating and monitoring all activities of sharia Cabang (KC) syariah. b. Mengawasi dan memastikan pelaksanaan fungsi branch offices. b. Supervising and ensuring the implementation of Treasury dalam rangka pengeloalaan dan penempatan Treasury function in the management and fund dana yang bersumber dari KC Syariah. placement derived from Sharia branch offices. c. Mengawasi dan memastikan penyusunan Laporan Keuangan Konsolidasi dari KC Syariah. c. Supervising and ensuring the preparation of the Consolidated Financial Statements of Sharia branch offices. d. Menetapkan, mengawasi, dan mengevaluasi secara d. Establishing, supervising, and evaluating periodically berkala terhadap mekanisme penghimpunan dan the mechanism of collection and distribution of funds penyaluran dana serta pelayanan jasa Bank sesuai and bank services in accordance with Sharia principles. dengan Prinsip Syariah. e. Bertanggung jawab terhadap pemenuhan Prinsip Syariah dalam hal operasional dan produk yang e. Responsible for compliance with Sharia principles in its operations and products issued. dikeluarkan; 372 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance 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 kerja di bawahnya. Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement f. Supervising the issuance of Circular Letter on profit sharing every month. g. Attending a coordination meeting with the Sharia Assets & Liabilities Committee (ALCO) every month; h. Monitoring and evaluating the performance of work units under it. Salis Teguh Hartono - Direktur Compliance / Compliance Director 1. Ruang lingkup tugas dan tanggung jawabnya meliputi: 1. The scope of its duties and responsibilities includes: a. Bersama-sama anggota Direksi lainnya meningkatkan a. Along with the other members of the Board of efisiensi kerja dengan memperhatikan span of control. Directors, improving work efficiency by paying attention to the span of control. b. Bersama-sama anggota Direksi lainnya dan b. Along with the other members of the Board of penyusunan strategi perusahaan baik jangka panjang Directors, preparing the Company’s strategies, both (Corporate Plan) maupun jangka menengah/pendek long-term (Corporate Plan) and medium-term/short- (RBB) serta mengusulkannya guna mendapatkan term (RBB) and proposing it to obtain the approval of persetujuan dari Dewan Komisaris. c. Melaksanakan, mengawasi, dan mengevaluasi jalannya the Board of Commissioners; c. Implementing, monitoring, and evaluating the Corporate Plan & RBB agar sesuai dengan visi, misi, implementation of Corporate Plan & RBB in accordance dan objektif Perusahaan yang telah ditetapkan. with the vision, mission, and objectives of the Company that have been set; d. Bersama-sama anggota Direksi lainnya perumusan d. Along with the other members of the Board of dan pelaksanaan strategi program Corporate Social Directors, formulating and implementing the Responsibility yang menunjang kegiatan bisnis Corporate Social Responsibility strategies that support perusahaan; e. Memiliki hak untuk merekomendasikan besarnya gaji the company’s business activities; e. Having the authority to determine the amount of salary atau remunerasi kepada karyawan dan/atau pejabat or remuneration to the employees and/or executive eksekutif unit kerja dibawahnya dengan persetujuan officers under it by approval of the Director of Human Direktur Human Capital (HC) dan Direktur Utama. Capital and the President Director. 2. Membawahi langsung unit kerja Compliance dan unit 2. Directly supervising the Compliance and UKPN work units kerja UKPN yang secara garis besar adalah: which are generally as follows: a. Merumuskan strategi guna mendorong terciptanya a. Formulating strategies to encourage compliance with budaya kepatuhan Bank; b. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip kepatuhan yang akan ditetapkan oleh Direksi; c. Menetapkan sistem dan prosedur kepatuhan yang the Bank’s culture; b. Proposing compliance policy or principles that will be determined by the Board of Directors; c. Determining compliance system and procedure that akan digunakan untuk menyusun ketentuan dan will be used to develop provisions and guidelines of the pedoman internal Bank; Bank’s internal guidelines; d. Memastikan bahwa seluruh kebijakan, ketentuan d. Ensuring that all policies, provisions of system and sistem dan prosedur serta kegiatan usaha yang procedure as well as business activities conducted by dilakukan Bank telah sesuai dengan ketentuan the Bank has been in line with the provision of the regulator dan perundang-undangan yang berlaku regulator and laws and regulations in force, including termasuk prinsip syariah bagi Unit Usaha Syariah; sharia principles for Sharia Business Unit; Annual Report 2015 | PT. BANK SINARMAS Tbk. 373 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis e. Meminimalkan risiko kepatuhan Bank; e. Minimizing Bank’s compliance risk; f. Melakukan tindakan pencegahan agar kebijakan f. Performing prevention action so that the policy and/ dan/atau keputusan yang diambil Direksi Bank tidak or decision taken by the Bank’s Board of Directors does menyimpang dari ketentuan regulator dan peraturan not deviate from the provision of the regulator and the perundang-undangan yang berlaku; applicable laws and regulations; g. Melakukan pengawasan dan evaluasi terhadap kinerja unit kerja di bawahnya. g. Supervising and evaluating the performance of the work unit under it. Loa Johnny Mailoa - Direktur Enterprise Banking / Enterprise Banking Director 1. Ruang lingkup tugas dan tanggung jawabnya meliputi: a. Bersama-sama anggota Direksi lainnya meningkatkan efisiensi kerja dengan memperhatikan span of control. 1. The scope of its duties and responsibilities includes: a. Along with the other members of the Board of Directors, improving work efficiency by paying attention to the span of control. b. Bersama-sama anggota Direksi lainnya dan b. Along with the other members of the Board of penyusunan strategi perusahaan baik jangka panjang Directors, preparing the Company’s strategies, both (Corporate Plan) maupun jangka menengah/pendek long-term (Corporate Plan) and medium-term/short- RBB) serta mengusulkannya guna mendapatkan term (RBB) and proposing it to obtain the approval of persetujuan dari Dewan Komisaris. the Board of Commissioners; c. Melaksanakan, mengawasi, dan mengevaluasi jalannya c. Implementing, monitoring, and evaluating the Corporate Plan & RBB agar sesuai dengan visi, misi, implementation of Corporate Plan & RBB in accordance dan objektif Perusahaan yang telah ditetapkan; with the vision, mission, and objectives of the Company that have been set; d. Bersama-sama Anggota Direksi lainnya perumusan d. Along with the other members of the Board of dan pelaksanaan strategi program Corporate Social Directors, formulating and implementing the Responsibility yang menunjang kegiatan bisnis Corporate Social Responsibility strategies that support perusahaan; the company’s business activities; e. Memiliki hak untuk merekomendasikan besarnya gaji e. Having the authority to determine the amount of salary atau remunerasi kepada karyawan dan/atau pejabat or remuneration to the employees and/or executive eksekutif unit kerja dibawahnya dengan persetujuan officers under it with approval of the Director of Direktur Human Capital (HC) dan Direktur Utama. Human Capital and the President Director. 2. Membawahi langsung unit kerja Treasury, Corporate Retail 2. Directly supervising work units such as Treasury, Corporate Acquisition, dan Credit Analyst yang secara garis besar Retail Acquisition, and Credit Analyst, the activities of adalah: which are generally as follows: a. Bertanggung jawab atas budget dan target profit a. Responsible for budget and profit targets of Treasury; Treasury; b.Mengawasi Fixed Income Trading Desk (Bond Trading); b. Supervising Fixed Income Trading Desk (Bond Trading); c.Mengawasi Derivative dan Struktur Product Desk c. Supervising Derivatives and Product Desk Structure (Investment Portfolio); d. Bertanggung jawab atas pengawasan pelaksanaan settlement di Treasury dan laporan-laporannya; e. Menetapkan, mengawasi, dan mengevaluasi strategi peningkatan volume transaksi jual beli valuta asing; (Investment Portfolio); d. Responsible for supervising the implementation of settlement in the Treasury and its reports; e. Establishing, supervising, and evaluating the strategy of increasing the volume of buying and selling foreign currencies; 374 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement f. Bertanggung jawab terhadap pengelolaan perkreditan f. Responsible for the overall management of the Bank’s Bank secara keseluruhan yang meliputi penetapan credit that includes the establishment of policies, kebijakan, strategi dan pengelolaan administrasi dan strategies and administrative management and credit pengawasan kredit; control; g. Menyetujui penyediaan fasilitas kredit dan fasilitas non g. Approving the provision of credit facilities and non- kredit sebagaimana diatur dalam Surat Keputusan credit facilities as stipulated in the Decree of the Board Direksi tentang Batas dan Wewenang Memutus Kredit; of Directors on Limit and Authority to Cancel Credit; h. Merencanakan, mengembangkan, mengendalikan h. Planning, developing, controlling and conducting dan melakukan langkah-langkah perbaikan atas corrective actions to improve various weaknesses and berbagai kelemahan maupun penyimpangan kegiatan violation in lending activities; perkreditan; i. Menetapkan strategi, mengawasi, dan mengevaluasi pengendalian Non Performing Loan (NPL); j. Melakukan pengawasan dan evaluasi terhadap kinerja unit kerja dibawahnya. i. Establishing strategies, supervising, and evaluating the control of non-performing loan (NPL); j. Supervising and evaluating the performance of the work unit under it. Halim - Direktur Operasional / Director of Operations 1. Ruang lingkup tugas dan tanggung jawabnya meliputi: 1. The scope of its duties and responsibilities includes: a. Bersama-sama Anggota Direksi lainnya meningkatkan a. Along with the other members of the Board of efisiensi kerja dengan memperhatikan span of control; Directors, improving work efficiency by paying attention to the span of control. b. Bersama-sama anggota Direksi lainnya dan b. Along with the other members of the Board of penyusunan strategi perusahaan baik jangka panjang Directors, preparing the Company’s strategies, both (Corporate Plan) maupun jangka menengah/pendek long-term (Corporate Plan) and medium-term/short- RBB serta mengusulkannya guna mendapatkan term RBB and proposing it to obtain the approval of persetujuan dari Dewan Komisaris; the Board of Commissioners; c. Melaksanakan, mengawasi, dan mengevaluasi jalannya c. Implementing, monitoring, and evaluating the Corporate Plan & RBB agar sesuai dengan visi, misi, implementation of Corporate Plan & RBB in accordance dan objektif Perusahaan yang telah ditetapkan; with the vision, mission, and objectives of the Company that have been set; d. Bersama-sama anggota Direksi lainnya perumusan d. Along with the other members of the Board of dan pelaksanaan strategi program Corporate Social Directors, formulating and implementing the Responsibility yang menunjang kegiatan bisnis Corporate Social Responsibility strategies that support perusahaan; the company’s business activities; e. Memiliki hak untuk merekomendasikan besarnya gaji e. Having the authority to determine the amount of salary atau remunerasi kepada karyawan dan/atau pejabat or remuneration to the employees and/or executive eksekutif unit kerja dibawahnya dengan persetujuan officers under it by approval of the Director of Human Direktur Human Capital (HC) dan Direktur Utama. Capital and the President Director. 2. Membawahi langsung unit kerja Liabilities Product 2. Directly supervising work units such as Liabilities Product Development, Wealth Management, Bancassurance Development, Wealth Management, Bancassurance & Agency, Loan Recovery dan Capital Market Service & Agency, Loan Recovery, and Capital Market Service Department yang secara garis besar adalah: Department which are generally as follows: a. Melakukan pengawasan atau memastikan bahwa a. Supervising or ensuring coordination between internal koordinasi antara pihak internal maupun eksternal and external parties regarding product development; terkait pengembangan produk; Annual Report 2015 | PT. BANK SINARMAS Tbk. 375 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report b. Memberikan arahan strategis dalam bidang pemasaran dan pengembangan produk; c. Bertanggung jawab dalam pengembangan produk PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis b. Providing strategic directives in marketing and product development; c. Being responsible in competitive and innovative perbankan yang kompetitif dan inovatif dengan development of banking products by achieving profit mencapai sasaran profit yang ditetapkan perseroan; target determined by the Company; d. Bertanggung jawab atas pendapatan fee based d. Being responsible on fee based income; income; e. Melakukan pengawasan dan evaluasi terhadap kinerja unit kerja dibawahnya; f. Bertanggung jawab atas penerimaan dan penyerahan e. Supervising and evaluating the performance of working units under it; f. Being responsible on receipt and submission efek, penyimpanan dan pengamanan efek, of securities, storage and security of securities, penerimaan hak nasabah yang melekat pada efek, acceptance of customers’ right attached to securities, serta penadministrasian yang berkaitan dengan and administration related to securities ownership; kepemilikan efek; g. Bertanggung jawab terhadap surat hutang serta g. Being responsible on payables’ securities and memantau pelaksanaan kewajiban emiten sesuai monitoring the implementation of issuers’ obligations perjanjian; in accordance with the agreement; h. bertanggung jawab terhadap penanganan kredit h. Being responsible for handling problem loans. bermasalah. Hanafi Himawan - Direktur Risk Management & Human Capital / Risk Management & Human Capital Director 1. Ruang lingkup tugas dan tanggung jawabnya meliputi: 1. The scope of its duties and responsibilities includes: a. Bersama-sama anggota Direksi lainnya meningkatkan a. Along with the other members of the Board of efisiensi kerja dengan memperhatikan span of control. Directors, improving work efficiency by paying attention to the span of control. b. Bersama-sama anggota Direksi lainnya dan b. Along with the other members of the Board of penyusunan strategi perusahaan baik jangka panjang Directors, preparing the Company’s strategies, both (Corporate Plan) maupun jangka menengah/pendek long-term (Corporate Plan) and medium-term/short- RBB serta mengusulkannya guna mendapatkan term RBB and proposing it to obtain the approval of persetujuan dari Dewan Komisaris. c. Melaksanakan, mengawasi, dan mengevaluasi jalannya the Board of Commissioners; c. Implementing, monitoring, and evaluating the Corporate Plan & RBB agar sesuai dengan visi, misi, implementation of Corporate Plan & RBB in accordance dan objektif Perusahaan yang telah ditetapkan. with the vision, mission, and objectives of the Company that have been set; d. Bersama-sama anggota Direksi lainnya perumusan dan pelaksanaan strategi program Corporate Social Directors, formulating and implementing the Responsibility yang menunjang kegiatan bisnis Corporate Social Responsibility strategies that support perusahaan. e. Memiliki hak untuk merekomendasikan besarnya gaji 376 d. Along with the other members of the Board of the company’s business activities; e. Having the authority to determine the amount of salary atau remunerasi kepada karyawan dan/atau pejabat or remuneration to the employees and/or executive eksekutif unit kerja dibawahnya dengan persetujuan officers under it by the approval of the Director of Direktur Human Capital (HC) dan Direktur Utama. Human Capital and the President Director. Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance 2. Membawahi langsung unit kerja Risk Management, Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement 2. Directly supervising work units such as Risk Management, Human Capital Recruitment & Administration Support, Human Capital Recruitment & Administration Support, Human Capital System & Strategic dan General Affairs Human Capital System & Strategic and General Affairs, the yang secara garis besar adalah: activities of which are generally as follows: a. Menetapkan, mengawasi, dan mengevaluasi kebijakan a. Establishing, supervising, and evaluating the risk manajemen risiko dan implikasinya bagi perseroan; management policy and its implications for the company; b. Menerapkan manajemen risiko dengan baik melalui Komite Manajemen Risiko dan Satuan Kerja b. Implementing risk management through the Risk Management Committee and Risk Management Unit; Manajemen Risiko (SKMR); c. Memastikan bahwa fungsi Manajemen Risiko telah diterapkan secara independen; d. Menetapkan, mengawasi, dan memastikan c. Ensuring that the risk management function has been implemented independently; d Establishing, supervising and ensuring the appropriate, terlaksananya hubungan industrial secara tepat, proper, and accurate implementation of industrial benar dan akurat sesuai ketentuan ketenagakerjaan, relations in accordance with the prevailing manpower peraturan & kebijakan perusahaan, serta best practice regulations, corporate rules and polices, and the yang berlaku; prevailing best practices; e. Mengarahkan, menetapkan, dan mengawasi kegiatan pengembangan sumber daya manusia (Human e. Directing, establishing, and supervising the activities of Human Capital development; Capital); f. Mengawasi dan memastikan seluruh aset tetap dan f. Supervising and ensuring good condition of all fixed bergerak sebagaimana telah diadministrasikan oleh and mobile assets, as administered by the related work unit kerja terkait; units; g. Mengawasi dan memastikan persiapan gedung/ g. Ensuring the good condition of buildings/rooms and ruangan dan perlengkapan lainnya bagi cabang/unit other supplies for the branch offices/KPNO work unit, kerja KPNO termasuk pemeliharaan dan perbaikan including building maintenance and renovation. gedung; h. Mengawasi kegiatan koordinasi dalam pengurusan h. Supervising the coordination activities of permit perijinan pada kantor pemerintah daerah, kecamatan, application to the local government, local agency at kelurahan, kabupaten dan/atau instansi atau pihak the district, sub-district, regency, and/or other agencies ketiga lainnya. or third parties; i. Melakukan pengawasan dan evaluasi terhadap kinerja unit kerja dibawahnya. i. Supervising and evaluating the performance of work units under it. Soejanto Soetjijo - Direktur Retail Banking / Retail Banking Director 1. Ruang lingkup tugas dan tanggung jawabnya meliputi: 1. The scope of its duties and responsibilities includes: a. Bersama-sama Anggota Direksi lainnya meningkatkan a. Along with the other members of the Board of efisiensi kerja dengan memperhatikan span of control. Directors, improving work efficiency by paying attention to the span of control. b. Bersama-sama anggota Direksi lainnya dan b. Along with the other members of the Board of penyusunan strategi perusahaan baik jangka panjang Directors, preparing the Company’s strategies, both (Corporate Plan) maupun jangka menengah/pendek long-term (Corporate Plan) and medium-term/short- RBB serta mengusulkannya guna mendapatkan term RBB and proposing it to obtain the approval of persetujuan dari Dewan Komisaris. the Board of Commissioners; Annual Report 2015 | PT. BANK SINARMAS Tbk. 377 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report c. Melaksanakan, mengawasi, dan mengevaluasi jalannya PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis c. Implementing, monitoring, and evaluating the Corporate Plan & RBB agar sesuai dengan visi, misi, implementation of Corporate Plan & RBB in accordance dan objektif Perusahaan yang telah ditetapkan. with the vision, mission, and objectives of the Company that have been set; d. Bersama-sama anggota Direksi lainnya perumusan d. Along with the other members of the Board of dan pelaksanaan strategi program Corporate Social Directors, formulating and implementing the Responsibility yang menunjang kegiatan bisnis Corporate Social Responsibility strategies that support perusahaan. e. Memiliki hak untuk merekomendasikan besarnya gaji the company’s business activities; e. Having the authority to determine the amount of salary atau remunerasi kepada karyawan dan/atau pejabat or remuneration to the employees and/or executive eksekutif unit kerja dibawahnya dengan persetujuan officers under it by the approval of the Director of Direktur Human Capital (HC) dan Direktur Utama. Human Capital and the President Director. 2. Membawahi langsung unit kerja Retail Business, Sales & 2. Directly supervising work units such as Retail Business, Distribution, Micro Small Business, Card Center, Digital Sales & Distribution, Micro Small Business, Card Center, Banking serta Branch Network Development yang secara Digital Banking and Branch Network Development which garis besar adalah: are generally as follows: a. Bertanggung jawab terhadap pelaksanaan Sales & a. Being responsible to sales and distribution in branch Distribution pada Kantor-Kantor Cabang; b. Merancang strategi Sales & Distribution guna meningkatkan performance dan pencapaian target offices; b. Designing sales and distribution strategy to improve performance and target achievement of branch offices; pada Kantor-Kantor cabang; c. Melakukan perekrutan, pembinaan, dan pengadaan Credit Card & Merchant Business; d. Melakukan pengawasan dan mengarahkan kegiatan operasional kartu kredit; e. Mengawasi dan mengarahkan akuisisi kartu kredit melalui marketing channel; f. Menetapkan dan mengawasi strategi pendeteksian dini untuk meminimalisir penipuan kartu kredit; g. Melakukan perekrutan, pembinaan, dan pengadaan Credit Card & Merchant Business; h. Bertanggung jawab atas pendapatan fee based c. Recruiting, training, and provision of credit card and merchant business; d. Supervising and directing operational activities of credit cards; e. Supervising and directing acquisition of credit card through marketing channel; f. Determining and supervising early detection strategy to minimize credit card frauds; g. Recruiting, training, and provision of credit card and merchant business; h. Being responsible on fee based income; income; i. Bertanggung jawab dalam pelaksanaan dan pengajuan of the license for opening a network of offices in rencana kerja manajemen maupun dengan Peraturan accordance with the management’s work plan and Otoritas Jasa Keuangan; Regulation of Financial Services Authority; j. Melakukan pengawasan dan evaluasi terhadap kinerja unit kerja dibawahnya. 378 i. Being responsible for the implementation and filing izin pembukaan jaringan kantor berdasarkan dengan j. Supervising and evaluating the performance of work units under it. Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Frenky Tirtowijoyo Susilo - Direktur Operasional dan Teknologi Informasi / Operational & Information Technology Director 1. Ruang lingkup tugas dan tanggung jawabnya meliputi: 1. The scope of its duties and responsibilities includes: a. Bersama-sama Anggota Direksi lainnya meningkatkan a. Along with the other members of the Board of efisiensi kerja dengan memperhatikan span of control. Directors, improving work efficiency by paying attention to the span of control. b. Bersama-sama anggota Direksi lainnya dan b. Along with the other members of the Board of penyusunan strategi perusahaan baik jangka panjang Directors, preparing the Company’s strategies, both (Corporate Plan) maupun jangka menengah/pendek long-term (Corporate Plan) and medium-term/short- (Rencana Bisnis Bank (RBB)) serta mengusulkannya term (Business Plan (RBB)) and proposing it to obtain guna mendapatkan persetujuan dari Dewan Komisaris. c. Melaksanakan, mengawasi, dan mengevaluasi jalannya the approval of the Board of Commissioners; c. Implementing, monitoring, and evaluating the Corporate Plan & RBB agar sesuai dengan visi, misi, implementation of Corporate Plan & RBB in accordance dan objektif Perusahaan yang telah ditetapkan. with the vision, mission, and objectives of the Company that have been set; d. Bersama-sama Anggota Direksi lainnya perumusan d. Along with the other members of the Board of dan pelaksanaan strategi program Corporate Social Directors, formulating and implementing the Responsibility yang menunjang kegiatan bisnis Corporate Social Responsibility strategies that support perusahaan. e. Memiliki hak untuk merekomendasikan besarnya gaji the company’s business activities; e. Having the authority to determine the amount of salary atau remunerasi kepada karyawan dan/atau pejabat or remuneration to the employees and/or executive eksekutif unit kerja dibawahnya dengan persetujuan officers under it by the approval of the Director of Direktur Human Capital (HC) dan Direktur Utama. Human Capital and the President Director. 2. Membawahi langsung unit kerja Information Technology, 2. Directly supervising work units such as Information Operations, Accounting, Electronic Channel Operations, Technology, Operations, Accounting, Electronic Channel Credit Administration & Control, Business Continuity Operations, Credit Administration & Control, Business Management serta Procurement yang secara garis besar Continuity Management and Procurement which are adalah : generally as follows: a. Menetapkan, mengawasi dan mengevaluasi realisasi a. Establishing, monitoring and evaluating the realization rencana pengembangan jaringan teknologi informasi; b. Menetapkan kebijakan dan prosedur terkait penyelenggaraan teknologi informasi yang memadai of development plan of information technology networks; b. Establishing policies and procedures related to the dan mensosialisasikannya secara efektif, baik pada implementation of adequate information technology satuan kerja penyelenggara maupun pengguna and disseminating effectively, both in providers’ teknologi informasi yang bersangkutan; working unit and users of information technology concerned; c. Merencanakan, mengarahkan dan mengkoordinasikan kegiatan Service Quality serta mendukung terciptanya efisiensi dan efektivitas Service Quality; d. Menetapkan dan mengawasi penerapan kebijakan yang terkait dengan efisiensi; e. Memberikan tanggapan dan tindak lanjut hasil c. Planning, directing and coordinating the Service Quality activities and support the establishment of efficiency and effectiveness of Service Quality; d. Establishing and supervising the implementation of policies related to efficiency; e. Providing opinion and follow-ups on internal (SKAI) pemeriksaan intern (SKAI) dan ekstern (Otoritas Jasa and external (Financial Services Authority and Public Keuangan dan Akuntan Publik) terhadap sistem Accountant) examination on the financial information informasi keuangan; system; Annual Report 2015 | PT. BANK SINARMAS Tbk. 379 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis PROFIL PERUSAHAAN Company Profile f. Bertanggung jawab terhadap kegiatan operasional f. Being responsible to the Bank’s operational activities, Bank, baik di Kantor Pusat maupun di Kantor Cabang both in the Headquarter or branch offices that have yang telah berjalan dengan baik dan lancar, taat azas, run well and smoothly, obeying principles, accurate, akurat, sesuai kebijakan dan ketentuan yang telah and in accordance with the determined policies ditetapkan serta peraturan perundang-undangan yang and provisions as well as applicable legislations in berlaku di Indonesia; Indonesia; g. Bertanggung jawab terhadap pelaksanaan pembayaran g. Being responsible to payment of motor vehicles, pajak kendaraan bermotor, reklame, tanah dan billboards, lands and buildings in a timely manner; bangunan secara tepat waktu; h. Providing guidance and supervising all Loan h. Melakukan pembinaan dan mengawasi seluruh kegiatan Loan Administration di Kantor Cabang, Administration activities in Branch Offices in order guna memastikan telah dikelolanya administrasi kredit to ensure that branch credit administration has been cabang sesuai dengan prosedur/ketentuan Bank; conducted in accordance with procedures/provisions of the Bank; i. Melakukan pembinaan terhadap Loan Administration i. Providing guidance on Branch Office Loan Kantor Cabang dalam melakukan pengawasan Administration in supervising credit extension dokumen perpanjangan kredit, jaminan dan asuransi documents, guarantees and insurance that will be due; yang akan jatuh tempo; j. Ensuring the customer service to run in accordance j. Memastikan pelayanan nasabah berjalan sesuai with prevailing provisions and procedures; ketentuan dan prosedur yang berlaku; k. Conducting supervision and evaluation on the k. Melakukan pengawasan dan evaluasi terhadap kinerja performance of working units under it. unit kerja dibawahnya. l. Being responsible to the process of procurement l. Bertanggung jawab terhadap proses perencanaan planning and selection of IT-related suppliers. pengadaan dan pemilihan supplier yang terkait IT Independensi dan Hubungan Afiliasi Direksi Affiliation of Board of Directors Independensi dan transparansi Direksi Bank Sinarmas atas Independency and transparency of Bank Sinarmas’ Board of hubungan afiliasi merupakan salah satu faktor penting Directors is one of the key factors that must be maintained yang senatiasa dijaga untuk kepentingan Bank Sinarmas for the benefit of the Company in order to prevent conflict of agar terhindar dari konflik kepentingan. Untuk menjaga interest. To maintain the independency, all members of the independensi tersebut, seluruh anggota Direksi yang menjabat Board of Directors of Bank Sinarmas must not have a financial, di Bank Sinarmas diharuskan untuk tidak memiliki hubungan family (to the second degree, both vertically and horizontally) keuangan, keluarga (sampai derajat ke dua vertikal maupun relationship with the members of the Board of Commissioners, horizontal) dengan anggota Dewan Komisaris, anggota Direksi Board of Directors, and/or controlling shareholders. lainnya, dan/atau pemegang saham pengendali. Table of affiliation of Board of Directors Tabel hubungan afiliasi Direksi Hubungan Keuangan dengan Financial Relationship with Nama / Name Dewan Komisaris / Board of Commissioners Yes No Direksi / Board of Directors Yes No Hubungan Keluarga dengan Family relationship with Pemegang Saham / Shareholders Yes No Dewan Komisaris/ Board of Commissioners Yes No Direksi / Board of Directors Yes No Pemegang Saham / Shareholders Yes No Freenyan Liwang x x x x x x Heru Agus Wuryanto x x x x x x 380 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Hubungan Keuangan dengan Financial Relationship with Nama / Name Dewan Komisaris / Board of Commissioners Yes No Direksi / Board of Directors Yes No Hubungan Keluarga dengan Family relationship with Dewan Komisaris/ Board of Commissioners Pemegang Saham / Shareholders Yes Laporan Keuangan Konsolidasi Consolidated Financial Statement No Yes No Direksi / Board of Directors Yes No Pemegang Saham / Shareholders Yes No Salis Teguh Hartono x x x x x x Loa Johnny Mailoa x x x x x x Halim x x x x x x Hanafi Himawan x x x x x x Soejanto Soetjijo x x x x x x Frenky Tirtowijoyo Susilo x x x x x x Per tanggal 31 Desember 2015, jumlah total kepemilikan As of December 31, 2015, share ownership of members of saham oleh anggota Direksi 4.461.875 atau 0,0315% dari the Board of Directors totaled 0.0315% or equal to 4,461,875 seluruh jumlah saham di Bank Sinarmas. shares of all total shares at Bank Sinarmas. Tabel informasi kepemilikan saham Direksi Table of information on share ownership of the Board of Directors Kepemilikan Saham / Share Ownership Nama / Name Jabatan / Position Freenyan Liwang Direktur utama / President Director Halim Direktur / Director Jumlah Saham / Number of Shares Presentase Kepemilikan / Ownership Percentage 4.021.875 0,0284% 440.000 0,0031% Pedoman dan Tata Tertib Kerja Direksi Guidelines and Work Rules of Board of Directors Pedoman dan Tata Tertib Kerja Direksi ditetapkan melalui Employment Guidelines and Rules of Conduct of The Board Surat Keputusan No. SK.005/2015/PRESDIR-CorSec of Directors is established by Decree No. SK.005 / 2015 / tertanggal 1 April 2015 yang secara garis besar mengatur PRESDIR-CorSec dated April 1, 2015 that generally regulates tentang hari, jam kerja, cuti dan izin Direksi serta ketentuan about working days, working hours, leave and permit of the penyelenggaraan dan pengambilan keputusan rapat, kode Board of Directors as well as the provisions of organizing etik, dan peningkatan kompetensi Direksi. and decision-making in meetings, codes of conduct, and competence improvement of the Board of Directors. Frekuensi, Tingkat Kehadiran, dan Rekap Absensi Rapat Meeting Frequency, Attendance Rate and Absence Direksi Record of the Board of Directors Sepanjang 2015, Direksi telah menyelenggarakan rapat In 2015, the Board of Directors conducted 32 meetings, which sebanyak 32 kali yang dipimpin oleh Direktur Utama atau was led by the President Director or the other members of the anggota Direksi lainnya dalam hal Direktur Utama berhalangan Board of Directors in case that the President Director is unable Annual Report 2015 | PT. BANK SINARMAS Tbk. 381 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis PROFIL PERUSAHAAN Company Profile hadir. Hasil rapat diputuskan dengan mengedepankan to attend it. The entire result of the meeting was decided by musyawarah mufakat dan dituangkan secara tertulis ke dalam consensus agreement and set forth in writing in the minutes risalah rapat serta didokumentasikan dengan baik. of meetings and was well documented. Dengan demikian, Bank Sinarmas telah memenuhi ketentuan Therefore, Bank Sinarmas has complied with the regulations Bank Indonesia tentang pelaksanaan GCG dan ketentuan of Bank Indonesia on the GCG implementation and the internal Perseroan yaitu Board Manual serta Pedoman Tata Company’s internal regulation, namely Board Manual and the Tertib Kerja Direksi. Guidelines of Work Rules of Board of Directors. Tabel frekuensi dan tingkat kehadiran Direksi dalam Rapat Table of meeting frequency and attendance rate of the Board of Directors No Nama / Name Frekuensi Kehadiran / Attendance Frequency Jabatan / Position 1 Freenyan Liwang Direktur Utama / President Director 32/27 2 Heru Agus Wuryanto Direktur / Director 32/30 3 Salis Teguh Hartono Direktur Independen / Independent Director 32/30 4 Loa Johnny Mailoa Direktur / Director 32/32 5 Halim Direktur / Director 32/28 6 Hanafi Himawan Direktur Independen / Independent Director 32/30 7 Soejanto Soetjijo* Direktur / Director 24/22 8 Frenky Tirtowijoyo Susilo* Direktur / Director 24/22 Keterangan *) Soejanto Soetjijo dan Frenky Tirtowijoyo Susilo baru menjabat sebagai Direktur sejak RUPSLB 24 Maret 2015 Note *) Mr. Soejanto Soetjijo and Mr. Frenky Tirtowijoyo Susilo have just served as Director since EGM on March 24, 2015 Tabel rekap absensi rapat Direksi Table of absence recap of the Board of Directors Tanggal / Date Notulen 13 Januari 2015 / January 13, 2015 Direksi / Board of Directors FL HA STH JM HH HL SS * FTS * 002/2015/DIR √ - √ √ √ √ - - 20 Januari 2015 / January 20, 2015 003/2015/DIR √ √ √ √ √ √ - - 27 Januari 2015 / January 27, 2015 004/2015/DIR √ √ √ √ √ √ - - 13 Februari 2015 / February 13, 2015 006/2015/DIR √ √ √ √ √ √ - - 20 Februari 2015 / February 20, 2015 007/2015/DIR √ √ √ √ √ √ - - 27 Februari 2015 / February 27, 2015 008/2015/DIR - √ √ √ √ √ - - 13 Maret 2015 / March 13, 2015 010/2015/DIR √ - - √ √ √ - - 20 Maret 2015 / March 20, 2015 011/2015/DIR √ √ √ √ √ √ - - 27 Maret 2015 / March 27, 2015 012/2015/DIR √ √ √ √ - √ √ √ 382 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggal / Date Notulen 17 April 2015 / April 13, 2015 Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Direksi / Board of Directors FL HA STH JM HH HL SS * FTS * 014/2015/DIR √ √ √ √ √ - √ √ 24 April 2015 / April 24, 2015 015/2015/DIR √ √ √ √ √ - √ √ 15 Mei 2015 / May 15, 2015 017/2015/DIR √ √ √ √ √ √ √ √ 22 Mei 2015 / May 22, 2015 018/2015/DIR √ √ √ √ √ √ √ √ 28 Mei 2015 / May 28, 2015 019/2015/DIR - √ √ √ √ √ - √ 12 Juni 2015 / June 12, 2015 021/2015/DIR √ √ √ √ √ √ √ √ 19 Juni 2015 / June 19, 2015 022/2015/DIR √ √ √ √ - √ √ √ 26 Juni 2015 / June 26, 2015 023/2015/DIR √ √ √ √ - √ √ - 10 Juli 2015 / July 10, 2015 025/2015/DIR √ √ √ √ √ √ √ √ 31 Juli 2015 / July 31, 2015 026/2015/DIR √ √ √ √ √ √ √ √ 14 Agustus 2015 / August 14, 2015 028/2015/DIR √ √ √ √ √ √ √ √ 21 Agustus 2015 / August 21, 2015 029/2015/DIR √ √ √ √ √ √ √ √ 28 Agustus 2015 / August 28, 2015 030/2015/DIR √ √ √ √ √ √ √ √ 11 September 2015 / September 11, 2015 032/2015/DIR - √ √ √ √ √ - √ 18 September 2015 / September 18, 2015 033/2015/DIR - √ √ √ √ √ √ √ 25 September 2015 / September 25, 2015 034/2015/DIR √ √ √ √ √ √ √ √ 9 Oktober 2015 / October 9, 2015 036/2015/DIR √ √ - √ √ √ √ √ 16 Oktober 2015 / October 16, 2015 037/2015/DIR √ √ √ √ √ √ √ √ 23 Oktober 2015 / October 23, 2015 038/2015/DIR √ √ √ √ √ √ √ √ 30 Oktober 2015 / October 30, 2015 039/2015/DIR √ √ √ √ √ √ √ √ 13 Nopember 2015 / November 13, 2015 041/2015/DIR √ √ √ √ √ √ √ √ 27 Nopember 2015 / November 27, 2015 042/2015/DIR - √ √ √ √ √ √ - Annual Report 2015 | PT. BANK SINARMAS Tbk. 383 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report Tanggal / Date Notulen 11 Desember 2015 / December 11, 2015 044/2016/DIR TOTAL ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis PROFIL PERUSAHAAN Company Profile Direksi / Board of Directors FL HA STH JM HH HL SS * FTS * √ √ √ √ - √ √ √ 27 30 30 32 28 30 22 22 Keterangan *) Soejanto Soetjijo dan Frenky Tirtowijoyo Susilo baru menjabat sebagai Direktur sejak RUPSLB 24 Maret 2015 Note *) Mr. Soejanto Soetjijo and Mr. Frenky Tirtowijoyo Susilo have just served as Director since EGM on March 24, 2015 Tabel agenda rapat Direksi Table of meeting agenda of the Board of Directors Tanggal / Date Notulen 13 Januari 2015 / January 13, 2015 002/2015/DIR Agenda Rapat / Meeting Agenda Penjualan AYDA melalui Balai Lelang / Selling of AYDA through Auction House ATM Switching Kartu Kredit / Credit Card Kartu ATM Lion Air / Lion Air ATM Card Kerjasama dengan L Avenue / Cooperation with L Avenue Kerjasama dengan EzzeLink / Cooperation with EzzeLink Kalender Event / Event Calendar Operation System (OS) Mesin ATM / ATM Machine Operation System Kantor di Apartement Capitol / Office in Capitol Apartment Penanganan Kredit Bermasalah (Kolek 3,4,5) / Handling of Problem Credits (Kolek 3, 4, 5) Tindakan Fraud / Fraud Actions Iklan Orange TV / Orange TV Advertisement Digital Banking Mastercard KTA Payroll Virtual Account Penjualan Forex / Forex Selling Transasksi Melalui EDC / Transaction via EDC Klaim Asuransi KTA Mikro / KTA Micro Insurance Claim Relokasi Kantor Cabang / Branch Office Relocation 20 Januari 2015 / January 20, 2015 003/2015/DIR Penjualan AYDA melalui Balai Lelang / Selling of AYDA through Auction House Penanganan Kredit Bermasalah / Handling of Problem Credits Komite Penanganan Kredit Bermasalah (KPKB) / Problem Credit Handling Committee Sertfikasi UKMR / UKMR Certification Tunjangan Jabatan AO Syariah / Position Allowance for AO Syariah Kenyamanan Transaksi Nasabah / Comfort of Customers’ Transaction Cakupan Wilayah Kerja OJK / Scope of the FSA’s Work Areas 384 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units Tanggal / Date TATA KELOLA PERUSAHAAN Good Corporate Governance Notulen Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Agenda Rapat / Meeting Agenda Revisi Ketentuan Pemberian Fasilitas Kredit / Revision of Requirements for Credit Facility Provision Perubahan Fitur Produk MSME Secure menjadi Simas Mirco Secure Loan / Product Feature Changing from MSME Secure to Simas Micro Secure Loan Susunan Wewenang Memutus untuk Komite Kredit Micro, Small dan Retail Banking / Composition of Authority to Dismiss for Micro Credit, Small, and Retail Banking Committee 27 Januari 2015 004/2015/DIR Debitur Menunggak / Debtors in Arrears Penanganan Kredit Bermasalah / Handling of Problem Credits Komite Penanganan Kredit Bermasalah (KPKB) / Problem Credit Handling Committee Kartu Kredit / Credit Card Card Centre Tunjangan Jabatan AO Syariah / Position Allowance for AO Syariah Training ulang kepada AO Mikro Secure / Re-training for AO Mikro Secure Training Investigasi / Investigation Training Program Bantu Surat Peringatan Nasabah / Auxiliary Program of Memorandum for Customers Memo Biaya Incoming (Valas) / Incoming Fee Memo (Forex) Keputusan Usulan Sanksi (rekomendasi SKAI) / Decision of Sanction Proposal (SKAI’s recommendation) Branchless Banking Progress tindakan Fraud / Fraud action progress Jadwal Meeting Rutin Direksi / Schedule for Board of Directors’ Regular Meeting 13 Februari 2015 / February 13, 2015 006/2015/DIR Digital Product Kerjasama dengan Shakinah dan ORORI / Cooperation with Shakinah and ORORI Master Card Digital Banking Gelar Perkara Pajak / Tax Case Preliminary Hearing 20 Februari 2015 / February 20, 2015 007/2015/DIR Produk PPOB (Digital Produk) / PPOB (Digital Product) Kerjasama dengan AMI / Cooperation with AMI Peraturan Bukti Potong dari Ditjen Pajak / Regulation of Withholding Slip from the Directorate General of Taxation Corporate Profile Sosialisasi Pencegahan Fraud / Socialization of Fraud Prevention Payment Point Online Banking (PPOB) 27 Februari 2015 / February 27, 2015 008/2015/DIR Laku Pandai / Branchless Banking Kepala Divisi Trade Finance / Head of Trade Finance Division 13 Maret 2015 / March 13, 2015 010/2015/DIR Annual Report 2015 | PT. BANK SINARMAS Tbk. Pengkinian Data Nasabah / Updating of Customer Data Document Management 385 KILAS KINERJA 2015 Flashback Performance of 2015 Tanggal / Date LAPORAN Manajemen Management Report Notulen PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Agenda Rapat / Meeting Agenda Mobil dan Motor Kas Keliling / Car and Motorcycle for Mobile Cash Special Asset Management Merchandise Department Personal Accident Tata Laksana Bank Notes Carrying / Bank Notes Carrying Governance Group Head Card Centre Penjualan Asuransi On Line / Selling of Online Insurance Perkembangan produk - produk / Product Development 20 Maret 2015 / March 20, 2015 011/2015/DIR Event Creativepreneur Corner 2015 Produk - Produk Bank / Bank Products Promo Iphone LTE / Promotion of iPhone LTE Digital Campaign Transaksi melalui Mobile / Internet Banking / Transaction via Mobile/Internet Banking Pengkinian Data Nasabah / Updating of Customer Data Simas Community (SimComm) Merchandise Department Mobile Banking Perkembangan produk - produk / Product Development Basic Development 27 Maret 2015 / March 27, 2015 012/2015/DIR Sosialisasi Simobi Plus / Socialization of Simobi Plus Promo Iphone LTE Smart / Promotion of iPhone LTE Smart Merchandise Department Pengkinian Data Nasabah / Updating of Customers Data Laku Pandai / Branchless Banking Kartu Kredit / Credit Card Pay Master Design Kartu Kredit Union Pay / Union Pay Credit Card Design Meeting Update Bisnis dan Produk Bank / Meeting about Update on the Bank’s Business and Products PIC Digital Banking 17 April 2015 / April 17, 2015 014/2015/DIR Aturan Underlying Investasi US$ / Underlying Regulation on US$ Investment Team Cheetah Produktivitas Marketing / Marketing Productivity Sistem Pemberian Kredit Mikro / Micro Credit Provision System Mutual Fund Wealth Management 386 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units Tanggal / Date TATA KELOLA PERUSAHAAN Good Corporate Governance Notulen Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Agenda Rapat / Meeting Agenda Simobi Plus Design Seragam Front Liner Bank Sinarmas / Bank Sinarmas Front Liner Uniform Design Konsultan Digital Banking / Digital Banking Consultant Team Sinergi / Synergy Team Kerjasama dengan SeveLink dan Isha / Cooperation with SeveLink and Isha Promo Digital Banking / Digital Banking Promotion Treasury System Fund Tranfer Pricing 24 April 2015 / April 24, 2015 015/2015/DIR Konsultan Digital Banking / Digital Banking Consultant Card Centre Peningkatan Penjualan Produk Bank / Improvement on Sales of the Bank’s Products Customer Acquisition Kredit Macet / Bad credit AYDA Rapat Koordinasi Product antara Kanwil dan Product Owner / Meeting about Product Coordination with Regional Office and Product Owner Treasury Performance Review Kantor Kas Kendal / Kendal Cash Office Laporan Hasil Kunjungan Mentor / Report of Mentor’s Visit Results Piagam Mentoring Wilayah / Regional Mentoring Charter 15 Mei 2015 / May 15, 2015 017/2015/DIR Film Edukasi / Educational Film Revisi RBB Juni 2015 / June 2015 RBB Revision Exit Meeting dengan Regulator / Exit Meeting with the Regulator Pembagian Tugas antar Direktorat / Division of Duties between Directorates MPP Sales & Distribution 2015 Re-Design Website Bank Sinarmas Quick Respon (QR) Monitoring Expenses Cabang / Branch Monitoring Expenses Account Officer Bank Sales & Distribution Kantor Fungsional Unit Usaha Syariah (UUS) / Functional Office of Sharia Business Unit 22 Mei 2015 / May 22, 2015 018/2015/DIR Simas Pay Re- Design Website Bank Sinarmas Kartu Kredit / Credit Card Annual Report 2015 | PT. BANK SINARMAS Tbk. 387 KILAS KINERJA 2015 Flashback Performance of 2015 Tanggal / Date LAPORAN Manajemen Management Report Notulen PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Agenda Rapat / Meeting Agenda Promosi Internet & Mobile Banking / Promosi Internet & Mobile Banking / Internet & Mobile Banking Promotion Supply Chain Financing Program Bantu Pengkinian Data / Program to Support Data Updating Progress Pembuatan SOP / Progress of the Drafting of SOP Unit Kerja Loan Recovery / Loan Recovery Work Unit 28 Mei 2015 / May 28, 2015 019/2015/DIR Pengelolaan Deposito nasabah korporasi / Deposit Management for corporate customers Unit Usaha Syariah / Sharia Business Unit Laku Pandai / Branchless Banking Pengkinian Data / Data Updating Kartu Kredit / Credit Card Micro Secure Pelayanan Nasabah / Customer Service 12 Juni 2015 / June 12, 2015 021/2015/DIR Skema Insentif / Incentive Scheme Revisi RBB / Revision of Bank’s Business Plan (RBB) Rekomendasi Komisaris kepada Direksi / Board of Commissioners’ Recommendations to the Board of Directors Pemekaran Wilayah Kanwil / Expansion of Regional Office Work Area Laporan Kinerja Keuangan per Mei 2015 / Statements of Financial Performance per May 2015 Kartu Kredit / Credit Card 19 Juni 2015 / June 19, 2015 022/2015/DIR Konsentrasi Bisnis Bank / Bank’s Business Concentration Rangkap Jabatan / Concurrent Position Sales & Distribution Switching Project Sales Clinic Skema Insentif / Incentive Scheme Revisi RBB / Revision of Bank’s Business Plan (RBB) Corporate Card Corporate Internet Banking SIMAS UMK NPL Mikro Aturan Penyampaian Punishment Karyawan / Procedure to Impose Punishment on the Employees Efisiensi dan Efektivitas Biaya / Cost Efficiency and Effectiveness Tindak Lanjut Penyelesaian PT. TET / Follow-up on the Settlement of PT. TET 388 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggal / Date Notulen 26 Juni 2015 / June 26, 2015 023/2015/DIR Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Agenda Rapat / Meeting Agenda Laku Pandai Fraud Management Perijinan Produk Bank / Bank’s Product Licensing Product Bundling dan RDN (Rekening Dana Nasabah) / Product Bundling and Customer Funds Account (Rekening Dana Nasabah - RDN) Update Project IT 10 Juli 2015 / July 10, 2015 025/2015/DIR Arahan Regulator / Regulator’s Directives Presentasi Direktorat Retail Banking / Retail Banking Directorate Presentation Rasio Perusahaan / Ratios of the Company Commision Insurance Collateral Rapat Koordinator Kanwil / Regional Office Coordination Meeting Aturan Penggunaan Transaksi Rupiah / Regulation in the Use of Rupiah in Transactions KPI Account Officer Digital Banking Aplikasi Manajemen di Ipad Direksi / Management Application on Board of Directors’ iPad Peraturan Kredit terkait SBDK / SBDK-Related Loan Regulation Lead Management System Pelaporan RMR / RMR Reporting Paperless Sentralisasi Pinjaman Karyawan / Centralization of Employee’s Loan Fasilitas Kredit Direksi / Board of Directors’ Loan Facility Resolusi Kredit / Credit Resolution 31 Juli 2015 / July 31, 2015 026/2015/DIR Laporan Performance Direktur Utama Q2 / Report on the Performance of President Director in Q2 Kartu Indigo / Indigo Card Cabang Rugi / Loss in Branch Office Penjualan EDC / EDC Sales Kartu Kredit Korporate / Corporate Credit Card Marketing Cabang / Branch Office’s Marketing Promosi Bank Sinarmas / Promotion of Bank Sinarmas Mobil Kas Bank Sinarmas / Mobile Cash of Bank Sinarmas Internal Call Centre Analisa Beban Cabang Analysis on Branch Office’s Expenses Pemetaan Produk Bank / Bank’s Product Mapping Usulan Direktorat Mentor / Recommendation on Directorate for Mentor Simas Superbonus Gadget Annual Report 2015 | PT. BANK SINARMAS Tbk. 389 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report Tanggal / Date Notulen 14 Agustus 2015 / August 14, 2015 028/2015/DIR PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Agenda Rapat / Meeting Agenda Design Kartu Debit Chip Bank / Design of Bank’s Chip Debit Card Pemeriksaan Regulator untuk Laku Pandai / Regulator’s Evaluation on Laku Pandai Merchant Acquiring dan Kartu Kredit / Merchant Acquiring and Credit Card Kartu Kredit Indigo / Indigo Credit Card Program Gadget Gadget Program Simobi Plus Update Perkembangan Bisnis / Update on Business Development Simulasi Penyerapan Biaya Cabang / Simulation of Branch Office’s Expense Absorption RBB Laku Pandai / Branchless Banking 21 Agustus 2015 / August 21, 2015 029/2015/DIR Product Bundling Handphone Simobi Plus Digital Banking Digit Nomor CIF / CIF’s Digit Number Kartu Kredit / Credit Card KPI Digital Banking Inovatif Product Baru / Innovation of New Product Inovatife Project Bank Inovatif Project Bank / Bank’s Project Innovation Redesign Website Petunjuk Asetsi Simobi Plus / Directions to Activate Simobi Plus Cabang Rugi / Loss in Branch Office Rencana Bisnis Bank 2016 / Bank’s Business Plan for 2016 28 Agustus 2015 / August 28, 2015 030/2015/DIR Presentasi Card Centre / Presentation of Card Centre Kartu Kredit / Credit Card Kartu Kredit / Credit Card Product Bank Developer Default Struktur Card Centre / Structure of Card Centre Account Manager Lead Management System Sales Clinic Peluang Bisnis / Business Opportunity Corporate Internet Banking 390 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units Tanggal / Date TATA KELOLA PERUSAHAAN Good Corporate Governance Notulen Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Agenda Rapat / Meeting Agenda Presentasi E Learning / E-Learning Presentation 11 September 2015 / September 11, 2015 032/2015/DIR Unit Usaha Syariah / Sharia Business Unit Presentasi dari Unit Kerja Credit Analyst / Presentation from Credit Analyst Work Unit Fungsi dan Mekanisme Direktur Mentor / Function and Mechanism of Director of Mentor Peluang Bisnis Sektor Kredit Sawit / Business Opportunity in Palm Oil Loan Sector 18 September 2015 / September 18, 2015 Presentasi dari Direktorat Liabilities / Presentation from Liabilities Directorate 033/2015/DIR Training Marketing Bank Kartu Kredit Indigo / Indigo Credit Card Strategi Bank / Bank’s Strategy Pelayanan Nasabah via Contact Centre / Customer Service via Contact Centre 25 September 2015 / September 25, 2015 Presentasi Rencana Reorganisasi Direktorat Retail / Presentation of Reorganization Plan of Retail Directorate 034/2015/DIR Service Quality KPI Cabang / Branch Office’s KPI Akusisi Nasabah Baru / Acquisition of New Customers Kartu Kredit Indigo / Indigo Credit Card Progress Tindak Lanjut PT. TET / Progress on the Follow-up Actions to PT. TET Laporan Debitur Menunggak / Report on Debtors in Arrears People Life Cycle Aturan Penitipan Dana / Regulations in Fund Deposit 9 Oktober 2015 / October 9, 2015 036/2015/DIR Pengguna Kartu Kredit Bank / Users of Bank’s Credit Card One on One Service Dampak Kenaikan UMR 2016 / Impact of the Rising UMR in 2016 Presentasi Direktorat Unit Usaha Syariah / Presentation of Directorate of Sharia Business Unit Cash Pickup Monitoring Jaminan / Monitoring on Guarantee Pembagian Tugas & Tanggung Jawab / Distribution of Duties and Responsibilities Aturan Ekskalasi / Regulations in Escalation Entitas Utama / Main Entity Informasi Right Issue / Information on Rights Issue 16 Oktober 2015 / October 16, 2015 037/2015/DIR Program Cash Back Kartu Kredit / Cash Back Program for Credit Card Penggunaan EDC di Merchant / Use of EDC in Merchants Simobi Plus Database nasabah Kredit / Database of Credit Customers Time Motion Study Annual Report 2015 | PT. BANK SINARMAS Tbk. 391 KILAS KINERJA 2015 Flashback Performance of 2015 Tanggal / Date LAPORAN Manajemen Management Report Notulen PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Agenda Rapat / Meeting Agenda E money Ezze Link Laku Pandai / Branchless Banking Tabungan Diamond / Diamond Savings Account 23 Oktober 2015 / October 23, 2015 038/2015/DIR Laku Pandai / Branchless Banking Entitas Utama / Main Entity Cross Selling Card Center Kartu Kredit / Credit Card 30 Oktober 2015 / October 30, 2015 039/2015/DIR Laku Pandai / Branchless Banking Presentasi Performance Q3 / Presentation of Performance in Q3 Persiapan Bank SInarmas sebagai Entitas Utama / Preparation for Bank Sinarmas as the Main Entity Action Plan Cabang Rugi / Loss in Branch Office’s Action Plans Product Bundling Iphone 6S 13 Nopember 2015 / November 13, 2015 Perijinan Product / Product Licensing 041/2015/DIR Laku Pandai Posisi Pimpinan Cabang / Position of Branch Office Manager Simas Junior Restuktur Kredit / Credit Restructuring Rotasi Pejabat Bank / Rotation of Bank’s Officers Kepala Divisi CAC / Head of CAC Division 27 Nopember 2015 / November 27, 2015 Laku Pandai / Branchless Banking 042/2015/DIR Kartu Kredit Indigo / Indigo Credit Card Bussines Partner Development 11 Desember 2015 / December 11, 2015 044/2015/DIR Perijinan E-Money dan Corporate Internet Banking / E-Money Licensing and Corporate Internet Banking Persiapan Launching Layanan Keuangan / Preparation to Launch Financial Services Business Continuity Management Orientasi Anggota Direksi Baru Orientation for New Members of the Board of Directors Orientasi diberikan kepada anggota Direksi yang baru pertama Orientation is given to the new members of the Board of menjabat di Bank Sinarmas. Apabila anggota Direksi yang Directors who has just served at Bank Sinarmas. If there is only diganti hanya sebagian, maka penanggung-jawab orientasi a half of the Board of Directors who gets replaced, then the tersebut adalah Direksi lainya dan atau Sekretaris Perusahaan. person in charge of the orientation is the other members of the Board of Directors and/or Corporate Secretary. 392 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Materi yang diberikan pada program orientasi meliputi hal-hal The materials given in the orientation program covers the sebagai berikut: following: 1.Gambaran mengenai Bank Sinarmas berkaitan dengan 1. Description on Bank Sinarmas which relates to the tujuan, sifat, lingkup kegiatan, kinerja keuangan dan objective, nature, scope of activities, financial and operasi, strategi, rencana usaha jangka pendek dan jangka operational performances, strategies, short-term and long- panjang, posisi kompetitif, risiko dan berbagai masalah term business plan, competitive positions, risks, and other strategis lainnya. various strategic matters. 2. Pelaksanaan prinsip-prinsip GCG oleh Bank Sinarmas. 2. Implementation of GCG principles by Bank Sinarmas. 3. Pemahaman terhadap tugas dan tanggung jawab anggota 3. Understanding on duties and responsibilities of Board of Direksi. Directors. 4. Penjelasan yang berkaitan dengan kewenangan yang 4. Explanation related to the authority that has been didelegasikan, audit internal dan eksternal, sistem dan delegated, internal and external audit, system and policy kebijakan pengendalian internal serta tugas dan peran of internal control, as well as duties and roles of Audit Komite Audit dan Komite-komite lain yang dibentuk oleh Committee and other Committees established by the Komisaris. Commissioner. 5. Penjelasan mengenai kebijakan-kebijakan yang menunjang pelaksanaan tugas dan tanggung jawab Direksi. 5. Explanation on policies supporting implementation of duties and responsibilities. Suksesi Direksi Director Succession Pengangkatan dan pemberhentian Direksi Perseroan dilakukan The appointment and dismissal of the Company’s Board of berdasarkan prinsip-prinsip profesionalisme dan tata kelola Directors are conducted based on the professionalism and perusahaan yang baik (Good Corporate Governance). good corporate governance principles. Program Pelatihan Training Program Pada tahun 2015, Direksi telah mengikuti berbagai seminar/ In 2015, the Board of Directors attended various seminar/ training/workshop guna meningkatkan kompetensinya, antara training/workshop to improve its competency, among others: lain: Tabel informasi porgram pelatihan Direksi Table of information of training program of the Board of Directors No Tanggal / Dated Training Penyelenggara / Organizer Tempat / Location FREENYAN LIWANG 1 11 Februari 2015 / February 11, 2015 Training 10 Elemen Transformasi / Training 10 Elements of Transformation McKinsey Sinarmas Land Plaza, Jakarta 2 24 Maret 2015 / March 24, 2015 Training LMS & Performance Dashboard McKinsey Sinarmas Land Plaza, Jakarta 3 7 April 2015 / April 7, 2015 Workshop Penilaian Tingkat Kesehatan bank / Workshop of the Assessment of Bank’s Soundness BSMR Hotel Atlet Century, Jakarta Self lead workshop Mckinsey Roxy Square , Jakarta Overview of Indonesian Capital Market - Securitas Sinarmas Sinarmas Sekuritas Sinarmas Land Plaza, Jakarta 4 5 11 April 2015 / April 11, 2015 17 April 2015 / April 17, 2015 Annual Report 2015 | PT. BANK SINARMAS Tbk. 393 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report Training PROFIL PERUSAHAAN Company Profile Penyelenggara / Organizer ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis No Tanggal / Dated Tempat / Location 6 15 Mei 2015 / May 15, 2015 "Spirit of Formosa" dan "Spirit of Huawei" / ”Spirit of Formosa” and ”Spirit of Huawei” Formosa Sinarmas Land Plaza, Jakarta 7 25 Juli 2015 / July 25, 2015 E-Commerce with Magento The University of Sydney Sydney, Australia 8 12 Agustus 2015 / August 12, 2015 Training Corporate Governance OJK Menara Merdeka, Jakarta 9 25 Agustus 2015 / August 25, 2015 Banking Improvement Workshop Wincor Nixdorf Indonesia Sinarmas Land Plaza, Jakarta 10 23 Oktober 2015 / October 23, 2015 Governance of Risk Indonesian Institute For Corporate Directorship Sinarmas Land Plaza, Jakarta HERU AGUS WURYANTO 1 11 Februari 2015 / February 11, 2015 Training 10 Elemen Transformasi / Training 10 Elements of Transformation McKinsey Sinarmas Land Plaza, Jakarta 2 2 Maret 2015 / March 2, 2015 PDPS & Leadership In Action Unit Usaha Syariah / Sharia Business Unit Roxy Square , Jakarta 3 24 Maret 2015 / March 24, 2015 Training LMS & Performance Dashboard Unit Usaha Syariah / Sharia Business Unit Sinarmas Land Plaza, Jakarta 4 13-14 April 2015 / April 13-14, 2015 Coaching & Concelling Basic Accounting Unit Usaha Syariah / Sharia Business Unit Function Room. Quest Hotel, Surabaya 5 17 April 2015 / April 17, 2015 Overview of Indonesian capital Market Sinarmas Sekuritas Sinarmas Land Plaza, Jakarta 6 9 Agustus 2015 / August 9, 2015 Leadership Unit Usaha Syariah / Sharia Business Unit PT. Asuransi Sinarmas Plaza Simas 7 22 Agustus 2015 / August 22, 2015 Leadership Unit Usaha Syariah / Sharia Business Unit Yogyakarta 8 30 September 2015 / September 30, 2015 Basic Perbankan Umum, Refreshment Basic Laporan Keuangan kepada Lulusan MT-iB Unit Usaha Syariah / Sharia Business Unit Gedung LPPI, Kemang, Jakarta Selatan 9 23 Oktober 2015 / October 23, 2015 Training Governance of Risk Indonesian Institute For Corporate Directorship Sinarmas Land Plaza, Jakarta 10 9-10 November 2015 / November 9-10, 2015 Leadership Unit Usaha Syariah / Sharia Business Unit Kantor Cabang Syariah Malang 11 16-17 November 2015 / November 16-17, 2015 Leadership Unit Usaha Syariah / Sharia Business Unit Hotel Bumi Bandhawa SALIS TEGUH HARTONO 1 21 Januari 2015 / January Integrated Governance and 21, 2015 Risk Management IBI Plaza bapindo Lt.9, Jakarta 2 11 Februari 2015 / February 11, 2015 Training 10 Elemen Transformasi / Training 10 Elements of Transformation McKinsey Sinarmas Land Plaza, Jakarta 3 24 Maret 2015 / March 24, 2015 Training LMS & Performance Dashboard McKinsey Sinarmas Land Plaza, Jakarta 394 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Training Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Penyelenggara / Organizer Laporan Keuangan Konsolidasi Consolidated Financial Statement No Tanggal / Dated Tempat / Location 4 12 April 2015 / April 12, 2015 Self lead workshop McKinsey Roxy Square Lt.9, Jakarta 5 17 April 2015 / April 17, 2015 Overview of Indonesian capital Market Sinarmas Sekuritas Sinarmas Land Plaza, Jakarta 6 1 Juli 2015 / July 1, 2015 Program Sosialisasi Compliance Compliance Bank Sinarmas KC Malang 7 6 Juli 2015 / July 6, 2015 Seminar Risk Management (Resfreshment) BSMR Hotel Atlet Century, Jakarta 8 11 Agustus 2015 / August 11, 2015 Program Sosialisasi Compliance Compliance Bank Sinarmas KC Semarang 9 27 Agustus 2015 / August 27, 2015 Program Sosialisasi Compliance Compliance Bank Sinarmas KC Palembang 10 1 Oktober 2015 / October 1, 2015 Leadership Sharing Session bersama Bpk. Arwin Rasyid President Office Sinarmas Sinarmas Land Plaza, Jakarta 11 9 Oktober 2015 / October 9, 2015 Seminar Nasional dan Kongres ISEI XIX ISEI Hotel Bumi Surabaya 12 21 Oktober 2015 / October 21, 2015 Sosialisasi Laku Pandai Compliance Bank Sinarmas KC Magelang 13 23 Oktober 2015 / October 23, 2015 Training Governance of Risk IICD Sinarmas Land Plaza, Jakarta 14 17 November 2015 / November 17, 2015 Risk & Governance Summit 2015 OJK Museum Nasional Indonesia LOA JOHNNY MAILOA 1 29 Januari 2015 / January Table Manner 29, 2015 KCU Thamrin Gaia Restaurant, The Plaza 2 3 Februari 2015 / February 3, 2015 Table Manner KCU Thamrin Gaia Restaurant, The Plaza 3 11 Februari 2015 / February 11, 2015 Training 10 Elemen Transformasi / Training 10 Elements of Transformation McKinsey Sinarmas Land Plaza, Jakarta 4 17 Februari 2015 / February 17, 2015 Seminar Nasional "Prospek pembiayaan Properti 2015" / National Seminar ”Outlook on Property Financing 2015” Info bank Hotel Le Meridien, Jakarta 5 14 Maret 2015 / March 14, 2015 Bedah Buku AO Corporate Banking and Credit Analyst Roxy Square Lt.9, Jakarta 6 24 Maret 2015 / March 24, 2015 Training LMS & Performance Dashboard Mckinsey Sinarmas Land Plaza, Jakarta 7 11-12 April 2015 / April 11-12, 2015 Self lead workshop McKinsey Roxy Square Lt.9, Jakarta 8 17 April 2015 / April 17, 2015 Overview of Indonesian capital Market Sinarmas Sekuritas Sinarmas Land Plaza, Jakarta 9 1 Oktober 2015 / October 1, 2015 Leadership Sharing Session bersama Bpk. Arwin Rasyid President Office Sinarmas Sinarmas Land Plaza, Jakarta 10 23 Oktober 2015 / October 23, 2015 Training Governance of Risk IICD Sinarmas Land Plaza, Jakarta Annual Report 2015 | PT. BANK SINARMAS Tbk. 395 KILAS KINERJA 2015 Flashback Performance of 2015 No Tanggal / Dated LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile Training Penyelenggara / Organizer ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Tempat / Location HALIM 1 11 Februari 2015 / February 11, 2015 Training 10 Elemen Transformasi / Training 10 Elements of Transformation McKinsey Sinarmas Land Plaza, Jakarta 2 24 Maret 2015 / March 24, 2015 Training LMS & Performance Dashboard McKinsey Sinarmas Land Plaza, Jakarta 3 11-12 April 2015 / April 11-12, 2015 Preparing the Future, to work together to deliver (Self McKinsey Lead Workshop) Roxy Square , Jakarta 4 17 April 2015 / April 17, 2015 Overview of Indonesian capital Market Sinarmas Sekuritas Sinarmas Land Plaza, Jakarta 5 25 Agustus 2015 / August 25, 2015 Banking Improvement Workshop Wincor Nixdorf Indonesia Sinarmas Land Plaza, Jakarta 6 23 Oktober 2015 / October 23, 2015 Governance of Risk Indonesian Institute For Corporate Directorship Sinarmas Land Plaza, Jakarta HANAFI HIMAWAN 1 11 Februari 2015 / February 11, 2015 Training 10 Elemen Transformasi / Training 10 Elements of Transformation McKinsey Sinarmas Land Plaza, Jakarta 2 14 Februari 2015 / February 14, 2015 Refreshment Training (LSPP) - Operational Risk Management LSPP (Hotel Akmani, Jakarta) 3 24 Maret 2015 / March 24, 2015 Training LMS & Performance Dashboard McKinsey Sinarmas Land Plaza, Jakarta 4 11-12 April 2015 / April 11-12, 2015 Seft Lead Workshop Mckinsey Mckinsey Roxy Square , Jakarta 5 17 April 2015 / April 17, 2015 Overview of Indonesian Capital Market - Securitas Sinarmas Sinarmas Sekuritas Sinarmas Land Plaza, Jakarta 6 23 Oktober 2015 / October 23, 2015 Training Governance of Risk - Indonesian Institute for Corporate Directorship Indonesian Institute For Corporate Directorship Sinarmas Land Plaza, Jakarta 7 10-11 Desember 2015 / December 10-11, 2015 ERMA Bali International Seminar on ERM 2015 ERMA Denpasar, Bali SOEJANTO SOETJIJO 1 11 Februari 2015 / February 11, 2015 Training 10 Elemen Transformasi / Training 10 Elements of Transformation McKinsey Sinar Mas Land Plaza, Tower 1 Lantai 8, Jakarta 2 24 Februari 2015 / February 24, 2015 Training LMS dan Performance Dashboard SPM Sinar Mas Land Plaza, Tower 1 Lantai 8, Jakarta 3 11-12 April 2015 / April 11-12, 2015 Preparing the Future, to work together to deliver (Self McKinsey Lead) Roxy Square, Ruang Bali, Jakarta 4 17 April 2015 / April 17, 2015 Overview of Indonesian capital Market Sinar Mas Land Plaza, Tower 1 Lantai 8, Jakarta 396 Sinarmas Sekuritas Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement No Tanggal / Dated Training Penyelenggara / Organizer 5 3 Juni 2015 / June 1, 2015 Forum Dialog Tentang Proxy War dan Korporasi 6 11 September 2015 / September 11, 2015 Asia SME Banking Leadership McKinsey & Company Forum Bangkok 7 14 September 2015 / September 14, 2015 Seminar "Bijak BereBanking" Hotel Borobudur, Jakarta 8 16 September 2015 / September 16, 2015 Presentation by Dr. Lee Sang Smartfren Chul"New Era of ICT World" Ballroom Grandhyatt Hotel, Jakarta 9 23 Oktober 2015 / October 23, 2015 In-house Training dengan Tema “Governance of Risk" Sinar Mas Land Plaza, Tower 1 Lantai 8, Jakarta President Office OJK Indonesian Institute For Corporate Directorship Tempat / Location Sinarmas Land Plaza, Tower 2, Lantai 39, Jakarta FRENKY TIRTOWIJOYO SUSILO 1 11 Februari 2015 / February 11, 2015 Training 10 Elemen Transformasi / Training 10 Elements of Transformation McKinsey Sinar Mas Land Plaza, Tower 1 Lantai 8, Jakarta 2 16 Februari 2015 / February 16, 2015 Penerapan Tata Kelola dan Manajemen Risiko Terintegrasi bagi Konglomerasi Keuangan FKDKP Hotel Pullman, Jakarta 3 24 Februari 2015 / February 24, 2015 Training LMS dan Performance Dashboard SPM Sinar Mas Land Plaza, Tower 1 Lantai 8, Jakarta 4 10 Maret 2015 / March 10, 2015 Southeast Asia ATMs 2015 Conference FIS Shangri-la Hotel, Jakarta 5 11-12 April 2015 / April 11-12, 2015 Preparing the Future, to work together to deliver (Self McKinsey Lead) Roxy Square, Ruang Bali, Jakarta 6 17 April 2015 / April 17, 2015 Overview of Indonesian capital Market Sinarmas Sekuritas Sinar Mas Land Plaza, Tower 1 Lantai 8, Jakarta 7 3 Juni 2015 / June 1, 2015 Forum Dialog Tentang Proxy War dan Korporasi President Office Sinarmas Land Plaza, Tower 2, Lantai 39, Jakarta 8 14 September 2015 / September 14, 2015 Seminar "Bijak BereBanking" OJK Hotel Borobudur, Jakarta 9 16 September 2015 / September 16, 2015 Presentation by Dr. Lee Sang Smartfren Chul"New Era of ICT World" Ballroom Grandhyatt Hotel, Jakarta 10 23 Oktober 2015 / October 23, 2015 In-house Training dengan Tema “Governance of Risk" Indonesian Institute For Corporate Directorship Sinar Mas Land Plaza, Tower 1 Lantai 8 11 23 November 2015 / November 23, 2015 Seminar International "Sustainable Finance to Support Sustainable Development Goals OJK Ballroom Grandhyatt Hotel, Jakarta 12 25-26 November 2015 / November 25-26, 2015 BARA Risk Forum BARa Bali 13 27 November 2015 / November 27, 2015 The Transformation of Digital Payment: the new way to ASPI pay Annual Report 2015 | PT. BANK SINARMAS Tbk. Bali 397 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis PROFIL PERUSAHAAN Company Profile RAPAT GABUNGAN DEWAN KOMISARIS DENGAN DIREKSI JOINT MEETING OF BOARD OF COMMISSIONERS AND BOARD OF DIRECTORS Sepanjang 2015, Dewan Komisaris dan Direksi telah Throughout 2015, the Board of Commissioners and Board menyelenggarakan rapat gabungan sebanyak 12 kali. Seluruh of Directors have held 12 joint meetings. All joint meeting hasil rapat gabungan diputuskan berdasarkan musyawarah decisions are made based on consensus and written down mufakat dan dituangkan secara tertulis ke dalam risalah rapat in the minutes of meetings and is well-documented, as serta didokumentasikan oleh Corporate Secretary dengan well as documented well by the Corporate Secretary. baik. Dengan demikian, Bank Sinarmas telah memenuhi Thus,Bank Sinarmas has fulfilled regulator’s provisions on ketentuan regulator tentang pelaksanaan GCG dan ketentuan the implementation of GCG and from the Company, namely internal Perseroan yaitu Board Manual serta Pedoman Tata through Board Manual as well as Board Charter of Board of Tertib Kerja Direksi dan Pedoman Tata Tertib Kerja Dewan Directors and Board Charter of Board of Commissioners. Komisaris. Tabel frekuensi dan tingkat kehadiran rapat gabungan Dewan Table of joint meeting frequency and attendance rate of Board Komisaris dengan Direksi of Commissioners and Board of Directors No Nama / Name Jumlah Kehadiran / Attendance Rate Jabatan / Position 1 Tjendrawati Widjaja Komisaris Utama / President Commissioner 12/11 2 Sammy Kristamuljana Komisaris Independen / Independent Commissioner 12/11 3 Rusmin Komisaris Independen / Independent Commissioner 12/12 4 Freenyan Liwang Direktur Utama / President Director 12/10 5 Heru Agus Wuryanto Direktur / Director 12/11 6 Salis Teguh Hartono Direktur Independen / Independent Director 12/12 7 Loa Johnny Mailoa Direktur / Director 12/12 8 Halim Direktur / Director 12/12 9 Hanafi Himawan Direktur Independen / Independent Director 12/11 10 Soejanto Soetjijo* Direktur / Director 12/8 11 Frenky Tirtowijoyo Susilo* Direktur / Director 12/9 Keterangan *) Efektif menjabat sebagai Direktur sejak 24 Maret 2015 Note *) Serving as Director effective from March 24, 2015 Tabel rincian pelaksanaan Rapat Gabungan Dewan Komisaris Table of Joint Meeting Implementation of Board of dan Direksi Commissioners and Board of Directors Tanggal / Date Notulen / Minutes 6 Januari 2015 / January 6, 2015 Direksi / Board of Direcors FL HA STH JM HH HL 001/2015/DIRKOM √ √ √ √ √ √ 6 Februari 2015 / February 6, 2015 005/2015/DIRKOM √ √ √ √ √ √ 6 Maret 2015 / March 6, 2015 009/2015/DIRKOM - √ √ √ √ - 10 April 2015 / April 10, 2015 013/2015/DIRKOM √ √ √ √ √ √ √ 8 Mei 2015 / May 8, 2015 016/2015/DIRKOM √ √ √ √ √ √ √ 398 SS * Belum bergabung / have not joined FTS * TW SK RM √ √ √ √ √ √ √ √ √ √ √ √ √ √ - - √ Belum bergabung / have not joined Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggal / Date Notulen / Minutes 5 Juni 2015 / June 5, 2015 Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Direksi / Board of Direcors FL HA STH JM HH HL SS * FTS * TW SK RM 020/2015/DIRKOM √ √ √ √ √ √ - √ √ √ √ 3 Juli 2015 / July 3, 2015 024/2015/DIRKOM - √ √ √ √ √ √ √ √ √ √ 7 Agustus 2015 / August 7, 2015 027/2015/DIRKOM √ √ √ √ √ √ √ √ √ √ √ 4 September 2015 / September 4, 2015 031/2015/DIRKOM √ √ √ √ √ √ √ √ √ √ √ 2 Oktober 2015 / October 2, 2015 035/2015/DIRKOM √ √ √ √ √ √ √ √ √ √ √ 6 Nopember 2015 / November 6, 2015 040/2015/DIRKOM √ - √ √ √ √ √ √ √ √ √ 4 Desember 2015 / December 4, 2015 043/2016/DIRKOM √ √ √ √ √ √ √ √ √ √ √ 10 11 12 12 12 11 8 9 11 11 12 TOTAL Keterangan / Note : • JM (Loa Johnny Mailoa) • TW (Tjendrawati Widjaja) • HL (Halim) • SK (Sammy Kristamuljana) • HH (Hanafi Himawan) • RM (Rusmin) • SS (SoejantoSoetjijo)* • FL (Freenyan Liwang) • FTS (Frenky Tirtowijoyo Susilo)* • HA (Heru Agus Wuryanto) *) Efektif menjabat sebagai Direktur sejak 24 Maret 2015 / • STH (Salis Teguh Hartono) Serving as Director effective from March 24, 2015 Tabel agenda rapat Gabungan Dewan Komisaris dan Direksi Table of joint meeting agenda of Board of Commissioners and Board of Directors Tanggal / Date Notulen / Minutes 6 Januari 2015 / Januari 6, 2015 001/2015/DIRKOM Agenda Rapat / Meeting Agenda Penjualan AYDA melalui Balai Lelang / Sales of AYDA through Auction Supply Chain Financing& Cash Management Alokasi Tanggung Jawab dan Tugas Transformasi / Allocation of Responsibilities and Duties on Transformation Kartu Kredit / Credit Card Rolling Direktur Mentor / Director of Mentor’s Rolling Penggantian Mobil Dinas / Replacement of Office Vehicle Merchant Business ATM Switching Operation System (OS) Mesin ATM / Operation System (OS) of ATM Machine 3D Secure Penataan Ruangan Kerja / Administration of Workplace Annual Report 2015 | PT. BANK SINARMAS Tbk. 399 KILAS KINERJA 2015 Flashback Performance of 2015 Tanggal / Date LAPORAN Manajemen Management Report Notulen / Minutes PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Agenda Rapat / Meeting Agenda Peraturan OJK Terbaru / The Newest OJK Regulation Struktur Stategic & Performance Management / Structure of Strategic and Performance Management 6 Februari 2015 / February 6, 2015 005/2015/DIRKOM Digital Product Branch Management Program Surat Denda dari Kantor Pajak Setempat / Fines from Local Tax Office Tindak Lanjut Kasus Fraud / Follow-up of Fraud Cases Rapat Umum Pemegang Saham Luar Biasa / Extraordinary General Meeting of Shareholders Tata kelola Perjalanan Dinas Direksi / Governance of Board of Directors’ Official Visit Keseragaman Protokoler Direksi / Conformity in Board of Directors’ Protocols Struktur Organisasi / Organization Structure Photo Annual Report Corporate Profile Insentif dan Target / Incentive and Target 6 Maret 2015 / March 6, 2015 009/2015/DIRKOM Keamanan Transaksi Nasabah / Customers’ Transaction Security Laku Pandai / Branchless Banking Simobi Plus Marketing Acquisition Tata Letak Unit Kerja Bank Sinarmas / Placement of Bank Sinarmas’ Work Units 10 April 2015 / April 10, 2015 013/2015/DIRKOM Laporan Performance Direksi Quartal 1 2015 kepada Dewan Komisaris / Report on the Board of Directors’ Performance in Q1 to the Board of Commissioners Laku Pandai / Branchless Banking Orange TV Kartu Kredit / Credit Card E Learning Rekomendasi Komisaris kepada Direksi / Recommendations of the Board of Commissioners to the Board of Directors Sinkronisasi Data / Data Synchronization Monitoring tingkat NPL / Monitoring of NPL Rate Pembaharuan Kebijakan Kredit / Loan Policy Updating 8 Mei 2015 / May 8, 2015 016/2015/DIRKOM MPP 2015 Unit Sales & Distribution Website Bank Sinarmas UangKu Quick Respon (QR) Peluang Bisnis Payment Gateway / Business Opportunity in Payment Gateway Pembagian Tugas antar Direktorat / Distribution of Duties among the Directorates 400 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units Tanggal / Date TATA KELOLA PERUSAHAAN Good Corporate Governance Notulen / Minutes Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Agenda Rapat / Meeting Agenda Presentasi Laporan Keuangan April 2015 / Presentation of Financial Statements of April 2015 Expense Cabang dan Divisi / Expenses of Branch Offices and Divisions Test UKMR Jumlah karyawan Cabang / Total Employees at Branch Office 5 Juni 2015 / June 5, 2015 020/2015/DIRKOM Penataan Ulang Wilayah Kanwil / Re-Administration of Regional Offices’ Service Area Skema Insentif / Incentive Scheme Sales Clinic Tata Kelola Suku Bunga / Governance of Interest Rate Tata Kelola reward dari Business Partner / Governance of Rewards from Business Partners Tim Task Force TET / Task Force Team for TET Action Plan Kolektibilitas Kredit / Action Plan from Loan Collectability Rapat Umum Pemegang Saham Tahunan / Annual General Meeting of Shareholders Update Project IT 3 Juli 2015 / July 3, 2015 024/2015/DIRKOM Rekening Dana Nasabah (RDN) / Customer Funds Account (Rekening Dana Nasabah - RDN) Program Gadget (Handphone) Fraud Management Pembagian Kerja Unit Kerja Sales & Distribution dan Unit Kerja Liabilities Product / Distribution of Duties for Sales & Distribution Work Unit and Product Liabilities Work Unit Rapat Koordinasi Kanwil / Regional Office Coordination Meeting 7 Agustus 2015 / August 7, 2015 027/2015/DIRKOM Presentasi Kinerja Unit Usaha Syariah / Presentation of the Performance of Sharia Business Unit Unit Usaha Syariah / Sharia Business Unit Quality Assurance (QA) Kartu Kredit / Credit Card Team Cheetah Simulasi Penyerapan Biaya Cabang / Simulation of Branch Office’s Expense Absorption Struktur Loan Recovery / Loan Recovery Structure Tindak Lanjut PT. TET / Follow-up Actions to PT. TET Rencana Mikro 2016 / Micro Plan for 2016 4 September 2015 / September 4, 2015 031/2015/DIRKOM Sosialisasi Rencana Penyerapan Biaya Cabang / Socialization of Branch Office’s Expense Absorption Plan CAC Peluang Bisnis Sekuritas / Opportunity in Securities Business Annual Report 2015 | PT. BANK SINARMAS Tbk. 401 KILAS KINERJA 2015 Flashback Performance of 2015 Tanggal / Date LAPORAN Manajemen Management Report Notulen / Minutes PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Agenda Rapat / Meeting Agenda Laku Pandai / Branchless Banking Bhinneka.com Time Motion Study Account Manager Kartu Kredit / Credit Card Call Centre Notifikasi Nasabah / Customer’s Notifications Laku Pandai / Branchless Banking Service Quality Tata Kelola Sertijab Direksi / Governance of Hand Over of Board of Directors’ Membership Training GCG untuk Direksi / GCG Training for the Board of Directors System IT Bank Salse Clinic List Product Bank Review Kebijakan Direktorat / Reviews of Directorate’s Policy 2 Oktober 2015 / October 2, 2015 035/2015/DIRKOM Presentasi dari Air Bank / Presentation from Air Bank Laku Pandai / Branchless Banking Corporate Internet Banking Kerjasama dengan Alfamart dan OkeShop / Cooperation with Alfamart and OkeShop Presentasi To Do List Direksi / Presentation of Board of Directors’ To-Do List Struktur Organisasi / Organization Structure 6 Nopember 2015 / November 6, 2015 040/2015/DIRKOM Laku Pandai Kartu Kredit / Credit Card Presentasi Kantor Cabang Rugi Unit Usaha Syariah / Presentation of Sharia Business Units in Branch Offices Suffering from Loss XT Cross Selling Update PPOB dan MPN / Update on PPOB and MPN 4 Desember 2015 / December 4, 2015 043/2015/DIRKOM Update To Do List Direktorat Dirut / Update of To-Do List of the President Director’s Directorate Rencana Bisnis Bank / Bank’s Business Plan Lion Air Sistem Tracking Project / Tracking Project System Standarisasi Kantor Cabang / Standardizations of Branch Offices Design Simobi Plus Unit Usaha Syariah / Sharia Business Units Rekening Dana Nasabah (RDN) / Customer Funds Account (Rekening Dana Nasabah - RDN) 402 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement HUBUNGAN KERJA DEWAN KOMISARIS DAN DIREKSI WORK RELATIONS OF BOARD OF COMMISSIONERS AND BOARD OF DIRECTORS Dewan Komisaris dan Direksi berkomitmen untuk bersama- Board of Commissioners and Board of Directors are committed sama menegakan sistem perbankan yang sehat dan kuat to upholding a healthy and strong banking system together untuk menerapkan prinsip-prinsip GCG dalam pengelolaan to implement the principles of GCG in the management of bisnis perbankan Bank Sinarmas. Keselarasan tugas dan Bank Sinarmas’ banking business. The balance of duties and tanggung jawab dari Dewan Komisaris dan Direksi dalam responsibilities between the Board of Commissioners and menjalankan aktivitas operasional harian, akan berpengaruh Board of Directors in running its daily operational activity will secara signifikan terhadap kemajuan dan kesehatan Perseroan. significantly affect the progress and health of the Company. Berdasarkan Anggaran Dasar Perusahaan, ada beberapa Based on the Company’s Articles of Association, there keputusan Direksi yang harus mendapat persetujuan dari are several Board of Directors’ decisions which have to be Dewan Komisaris, yaitu: approved by the Board of Commissioners, namely: • Melepaskan hak atau mengagunkan barang tidak • In any ways releasing rights or collateralizing real estate, bergerak, termasuk hak atas tanah atau perusahaan- including the rights on land and companies valued less perusahaan dengan cara apapun untuk jumlah kurang dari than ½ (half) of the capital recorded in balance sheet and ½ (satu per dua) dari modal yang tercatat dalam neraca income statement approved and/or ratified by Annual dan perhitungan laba rugi yang telah disetujui dan/atau GMS. disahkan oleh RUPS Tahunan. • Memperoleh dengan cara apapun barang tidak bergerak, termasuk hak atas tanah atau perusahaan. • Menerima pinjaman uang dari siapapun, apabila jumlah • In any ways obtaining real estate including the rights on land or companies. • Receiving loans from any party if the amount exceeds pinjaman tersebut melebihi jumlah yang ditetapkan oleh the amount determined at the Board of Commissioners rapat Dewan Komisaris. meeting. • Memberi pinjaman uang kepada pihak terkait. • Giving loans to related parties. • Menghapus buku terhadap pokok pinjaman kepada pihak • To write off principal loans to related or unrelated parties terkait maupun tidak terkait sesuai dengan ketentuan according to the prevailing regulation in the bank. yang berlaku di Bank. • Menggadaikan atau mengagunkan harta kekayaan bank • To pawn or collateralize the bank’s assets for the amount untuk jumlah lebih dari ½ (satu per dua) dari modal yang of more than 1/2 (one half) of the capital recorded at the tercatat dalam neraca dan perhitungan laba rugi yang balance sheet and income statement approved and/or telah disetujui dan/atau disahkan oleh RUPS Tahunan. ratifed by the Annual GMS. Bank Sinarmas selalu mengedepankan independensi dari Bank Sinarmas always prioritizes the independency of anggota Dewan Komisaris dan Direksi sehingga tidak members of the Board of Commissioners and Board of terdapat benturan kepentingan dalam pelaksanaan tugas dan Directors to avoid conflict of interest in the implementation tangungjawabnya secara mandiri dan kritis. Dalam Perseroan of their duties and responsibilities in independent and critical tidak terdapat Dewan Komisaris dan anggota Direksi yang way. There is no member of the Board of Commissioners and merangkap jabatan sebagai Komisaris, Direksi maupun Pejabat Board of Directors who concurrently serve as a Commissioner, Eksekutif pada Bank/lembaga lain, serta tidak pula memiliki Director, or Executive Officer at other Bank/institutions. They hubungan keuangan dan hubungan keluarga dengan sesama also do not have financial and family relationship up to the anggota Direksi dan/atau anggota Dewan Komisaris hingga second degree with their fellow members of the Board of derajat kedua. Directors and/or Board of Commissioners. Annual Report 2015 | PT. BANK SINARMAS Tbk. 403 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis PROFIL PERUSAHAAN Company Profile Tabel hubungan keluarga dan keuangan Anggota Dewan Table of family and financial relationship of Members of Board Komisaris dan Direksi of Commissioners and Board of Directors Hubungan Keuangan dengan Financial Relationship Nama / Name Dewan Komisaris / Board of Commissioners Yes No Direksi / Board of Directors Yes No Hubungan Keluarga dengan Family relationship Pemegang Saham / Shareholders Yes No Dewan Komisaris/ Board of Commissioners Yes No Direksi / Board of Directors Yes No Pemegang Saham / Shareholders Yes No Dewan Komisaris / Board of Commissioners Tjendrawati Widjaja x x x x x x Sammy Kristamuljana 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 Tirtowijoyo Susilo* x x x x x x Keterangan *) Efektif menjabat sebagai Direktur sejak 24 Maret 2015 Note: *) Serving as Board of Commissioners effective from March 24, 2015 ASSESSMENT DEWAN KOMISARIS DAN DIREKSI ASSESSMENT OF BOARD OF COMMISSIONERS AND BOARD OF DIRECTORS Dalam setiap tahunnya, Dewan Komisaris dan Direksi Every year, the Board of Commissioners and Directors provide memberikan laporan pertanggungjawaban terhadap kinerja an accountability report on the performance conducted yang dilakukan sepnajang tahun buku pada RUPS. RUPS throughout the fiscal year to the GMS. The GMS has an memiliki kewenangan untuk memberikan persetujuan atau authority to grant approval or denial to to the Board of menolak laporan pertanggungjawaban Dewan Komisaris Commissioners and Directors’ accountability report. The GMS dan Direksi. RUPS juga memberikan pembebasan tanggung also provides disclaimer to members of the Board of Directors jawab kepada para anggota Direksi dan Dewan Komisaris atas and Commissioners on the management and supervision pengurusan dan pengawasan (acquit et de charge) yang telah (acquit de charge) that have been carried out for the last fiscal dijalankan untuk tahun buku yang berakhir. year. 404 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Bank Sinarmas telah melaksanakan Bank Sinarmas has implemented sistem tata kelola perusahaan good corporate governance yang baik sehingga Manajemen system, thus the management dapat mempertanggungjawabkan can be accounted for financial akuntabilitas keuangan, transparansi accountability, transparency and dan perilaku yang sesuai dengan behavior that is in accordance kode etik kepada para pemangku with the code of conduct to the kepentingan. shareholders. KEBIJAKAN DAN PROSEDUR PENETAPAN REMUNERASI DEWAN KOMISARIS DAN DIREKSI POLICIES AND PROCEDURES TO DETERMINE REMUNERATION FOR BOARD OF COMMISSIONERS AND BOARD OF DIRECTORS Prosedur Penetapan Remunerasi Dewan Komisaris dan Procedure to Determine Remuneration of the Board of Direksi Commissioners and Board of Directors Berdasarkan keputusan RUPS sebagaimana dituangkan dalam Pursuant to GMS decision as stated in the Deed No. 37 Akta No. 37 tanggal 12 Juni 2015 tentang Berita Acara dated June 12, 2015 concerning Annual General Meeting Rapat Umum Pemegang Saham Tahunan Bank Sinarmas, of Shareholders Agenda of Bank Sinarmas, the authority penetapan remunerasi anggota Direksi dan anggota Dewan to decide the remuneration for members of the Board of Komisaris diserahkan kembali ke Dewan Komisaris dengan Directors and Board of Directors is redelegated to the Board of memperhatikan usulan/masukan Komite Remunerasi dan Commissioners where they are required to do it by considering Nominasi. the recommendation from the Remuneration and Nomination Committee. Prosedur Penetapan Remunerasi Dewan Komisaris dan Procedure to determine the remuneration for the Board of Direksi Bank Sinarmas mempertimbangkan kinerja Perseroan, Commissioners and Board of Directors of Bnak Sinarmas business size, dan hasil remunerasi peer bank. Secara garis considers the performance of the Company, business size, besar penerapan remunerasi dilakukan melalui tahapan and remuneration result of the bank’s peers. Generally, the berikut: remuneration is determined through the following stages: Komite Remunerasi dan Nominasi / Committee of Remuneraion and Nomination Annual Report 2015 | PT. BANK SINARMAS Tbk. Dewan Komisaris / Board of Commissioners RUPS / GMS 405 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis PROFIL PERUSAHAAN Company Profile Indikator Kinerja Performance Indicators Remunerasi Dewan Komisaris dan Direksi mengacu pada Remuneration of the Board of Commissioners and Board of indikator-indikator sebagai berikut: Directors refers to the following indicators: • Remunerasi diberikan dalam hal Bank memperoleh • Remuneration is given when the Bank obtains profit in the keuntungan dalam tahun buku. fiscal year. • Remunerasi diberikan dengan mengacu pada • Remuneration is given by referring to the development of perkembangan pasar industri perbankan. banking market industry. • Remunerasi diberikan melalui hasil pengukuran kinerja • Remuneration is given based on the performance Dewan Komisaris dan Direksi yang sesuai dengan tugas assessment result of the Board of Commissioners dan tanggung jawab. and Board of Directors regarding their duties and responsibilities. • pencapaian Key Performance Indicator (KPI). • Achievement of Key Performance Indicators (KPI). • Prestasi kerja individu. • Individual achievements. • Pertimbangan sasaran dan strategi jangka panjang Bank. • Consideration of long-term targets and strategies of the Bank. Struktur Remunerasi yang Menunjukkan Komponen Remuneration Structure that Shows Remuneration Remunerasi dan Jumlah Nominal per Komponen untuk Component and Nominal Value per Component for Each Setiap Anggota Dewan Komisaris dan Direksi Member of the Board of Commissioners and Board of Directors Table of remuneration type and other facilities Tabel jenis remunerasi dan Fasilitas Lain 2015 Jenis Remunerasi dan Fasilitas Lain / Type of Remuneration and Other Facilities Remunerasi (gaji, bonus, tunjangan rutin, tantiem, dan fasilitas lainnya) / Remuneration (salary, bonus, regular allowance, tantiem, and other facilities) Dewan Komisaris/ Board of Commissioners 2014 Direksi / Board of Directors Dewan Komisaris/ Board of Commissioners 2013 Direksi / Board of Directors Dewan Komisaris/ Board of Commissioners Direksi / Board of Directors Orang / Person Jutaan Rupiah / Million Rupiah Orang / Person Jutaan Rupiah / Million Rupiah Orang / Person Jutaan Rupiah / Million Rupiah Orang / Person Jutaan Rupiah / Million Rupiah Orang / Person Jutaan Rupiah / Million Rupiah Orang / Person Jutaan Rupiah / Million Rupiah 3 2.329 8 12.376 3 2.246 6 7.857 3 2.172 6 6.763 Fasilitas lain dalam bentuk natura (perumahan, transportasi, asuransi kesehatan dan sebagainya/ Other facilities in the form of benefits-in-kind (house, transportation, health insurance, etc*): a. Dapat dimiliki / Can be owned 3 31 8 31 3 59 6 245 3 33 6 237 b. Tidak dapat dimiliki / Cannot be owned - - - - - - - - - - - - Total 3 2.360 8 12.557 3 2.305 6 8.102 3 2.205 6 7.000 *) Dinilai dalam ekuivalen Rupiah / Estimated in Rupiah 406 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Jumlah anggota Dewan Komisaris dan Direksi yang menerima The following table shows the number of Commissioners and paket remunerasi dalam satu tahun yang dikelompokan dalam Directors who receive remuneration package in a year based kisaran tingkat penghasilan adalah sebagai berikut: on the estimated amount of income: Tabel rasio gaji tertinggi dan terendah Table of the highest and lowest salary ratio No Uraian / Description 2015 2014 2013 Rasio / Ratio Rasio / Ratio Rasio / Ratio 1 Rasio gaji pegawai yang tertinggi dan terendah / The ratio between the highest and lowest employee salary 1 : 44,55 1 :44.55 1 : 31,90 2 Rasio gaji Direksi yang tertinggi dan terendah / The ratio between the highest and lowest Director salary 1 : 3,67 1 :3.67 1 : 4,00 3 Rasio gaji Komisaris yang tertinggi dan terendah / The ratio between the highest and lowest Commissioner salary 1 : 2,38 1 :2.38 1 : 1,63 4 Rasio gaji Direksi tertinggi dan pegawai tertinggi / The ratio between highest Director salary and the highest employee salary 1 : 5,18 1 :5.18 1 : 5,00 KEBIJAKAN KEBERAGAMAN DEWAN KOMISARIS DAN DIREKSI DIVERSITY POLICY OF BOARD OF COMMISSIONERS AND BOARD OF DIRECTORS Pertumbuhan ekonomi yang cenderung mengalami perbaikan Global and domestic economic growth that is getting baik global maupun domestik memberikan harapan bagi better from time to time has boosted the confidence of the investor dan seluruh pemangku kepentingan lainnya agar investors and Stakeholders that Bank Sinarmas’ performance kinerja Bank Sinarmas lebih dioptimalkan. Hal ini turut will continue to improve. This condition will encourage berimplikasi pada tuntutan adanya keahlian dan kompetensi the demand for high expertise and competency from the bagi jajaran kepemimpinan manajemen, dalam hal ini Dewan management leaders, in this case, the Board of Commissioners Komisaris dan Direksi. Guna memenuhi harapan tersebut, and Board of Directors. In order to fulfill such expectation, Manajemen sepuhnya mendukung adanya keberagaman the management fully supports the diversity in the Board komposisi Dewan Komisaris dan Direksi dengan berbagai of Commissioners and Board of Directors where they have keahlian dan kompetensi yang dapat mendukung kemajuan various expertises and competencies that can develop the usaha Perseroan. Informasi mengenai keberagaman komposisi Company’s advancement in business. Information on the Dewan Komisaris dan Direksi antara lain meliputi kualifikasi diversity in the Board of Commissioners and Board of Directors akademik atau pendidikan, usia, serta keahlian adalah sebagai includes the following academic or educational qualification, berikut: age, and expertises: Tabel kebijakan keberagaman Dewan Komisaris dan Direksi Table of diversity policy of the Board of Commissioners and Board of Directors Nama / Name Jabatan / Position Keahlian / Expertise Usia / Age Jenis Kelamin / Gender Dewan Komisaris / Board of Commissioners Komisaris Utama / President Commissioner Ekonomi 53 tahun / years old Perempuan / Female Sammy Kristamuljana Komisaris Independen / Independent Commissioner Strategi dan Bisnis Internasional 61 tahun / years old Laki-laki / Male Rusmin Komisaris Independen / Independent Commissioner Bisnis 56 tahun / years old Laki-laki / Male Tjendrawati Widjaja Annual Report 2015 | PT. BANK SINARMAS Tbk. 407 KILAS KINERJA 2015 Flashback Performance of 2015 Nama / Name LAPORAN Manajemen Management Report Jabatan / Position PROFIL PERUSAHAAN Company Profile Keahlian / Expertise ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Usia / Age Jenis Kelamin / Gender Direksi / Board of Directors Freenyan Liwang Direktur Utama / President Director Perdagangan Internasional 55 tahun / years old Laki-laki / Male Heru Agus Wuryanto Direktur / Director Ekonomi dan Keuangan 50 tahun / years old Laki-laki / Male Halim Direktur / Director Ekonomi Akuntansi 54 tahun / years old Laki-laki / Male Loa Johnny Mailoa Direktur / Director Bisnis 44 tahun / years old Laki-laki / Male Salis Teguh Hartono Direktur Independen / Independent Director Manajemen 47 tahun / years old Laki-laki / Male Hanafi Himawan Direktur Independen / Independent Director Ekonomi 56 tahun / years old Laki-laki / Male Soejanto Soetjijo Direktur / Director Akuntansi 51 tahun / years old Laki-laki / Male Frenky Tirtowijoyo Susilo Direktur / Director Administrasi Bisnis 40 tahun / years old Laki-laki / Male KOMITE-KOMITE DI BAWAH DEWAN KOMISARIS COMMITTEES UNDER THE BOARD OF COMMISSIONERS Dalam melaksanakan fungsi pengawasan, Dewan Komisaris In conducting their supervisory function, the Board of dibantu oleh beberapa jajaran Komite di bawah Dewan Commissioners is assisted by several Committees under the Komisaris yaitu Komite Audit, Komite Pemantau Risiko, Board of Commissioners, namely Audit Committee, Risk Komite Remunerasi dan Nominasi dan Komite Tata Kelola Monitoring Committee, Remuneration and Nomination Terintegrasi. Komite di bawah Dewan Komisaris tersebut, Committee, and GCG Committee. The following chart diuraikan sebagai berikut: depicts the composition of Committees under the Board of Commissioners: Komite-Komite Di Bawah Dewan Komisaris Committees Under The Board of Commissioners KOMITE AUDIT / Audit Committee 408 KOMITE remunerasi & nominasi / Remuneration & Nomination Committee KOMITE pemantau risiko / Risk Monitoring Committee KOMITE Tata Kelola Terintegrasi Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement KOMITE AUDIT AUDIT COMMITTEE Dasar Hukum Pembentukan Komite Audit Legal Basis of Audit Committee Establishment Komite Audit dibentuk oleh Dewan Komisaris dan The Company’s Audit Committee is established by the menjalankan tugas dan tanggung jawab sesuai dengan Board of Commissioners and implements its duties and peraturan-peraturan yang berlaku. Komite Audit dibentuk responsibilities based on the applicable rules. The Audit berdasarkan peraturan peraturan/perundangan diantaranya Committee is established based on the following laws/ sebagai berikut: regulations: 1. Undang Undang Republik Indonesia No. 40 tahun 2007 1. Law of the Republic Indonesia No. 40 of 2007 regarding tentang Perseroan Terbatas. 2. Peraturan Bank Indonesia No. 8/4/PBI/2006 tentang Limited Liability Company. 2. Bank Indonesia Regulation No. 8/4/PBI/2006 on the Pelaksanaan Good Corporate Governance Bagi Bank implementation of Good Corporate Governance for Umum jo Peraturan Bank Indonesia No. 8/14/PBI/2006 Commercial Banks jo Bank Indonesia Regulation No. tentang Perubahan atas PBI No. 8/4/PBI/2006 Pelaksanaan 8/14/PBI/2006 on Changes on PBI No. 8/4/PBI/2006 on Good Corporate Governance bagi Bank Umum. the Implementation of Good Corporate Governance for Commercial Banks. 3. Surat Edaran Bank Indonesia No.15/15/DPNP Tanggal 3. Circular Letter of Bank Indonesia No.15/15/DPNP/dated 29 April 2013 Perihal Pelaksanaan Good Corporate April 29, 2013 concerning the Implementation of Good Governance Bagi Bank Umum. Corporate Governance for Commercial Banks. 4. Peraturan Bapepam Nomor IX.I.5 Tanggal 24 September 2004 Nomor: Kep-29/PM/2004 Perihal Pembentukan dan Pedoman Pelaksanaan Kerja Komite Audit. 5. Peraturan Bapepam Nomor IX.I.5 Tanggal 24 September 4. Bapepam Regulation No. IX.I.5 dated September 24, 2004, No. Kep-29/PM/2004 concerning the Establishment and Work Guidelines of Audit Committee. 5. Bapepam Regulation No. IX.I.5 dated September 24, 2004, 2004 Nomor: Kep-29/PM/2004 Perihal Pembentukan dan No. Kep-29/PM/2004 concerning the Establishment and Pedoman Pelaksanaan Kerja Komite Audit. Work Guidelines of Audit Committee. 6. Peraturan Bapepam Nomor IX.I.15 Tanggal 7 Desember 2012 Nomor: Kep-643/BL/2012 Pembentukan dan Pedoman Pelaksanaan Kerja Komite Audit. 7. Peraturan Otoritas Jasa keuangan (OJK) Nomor : KEP-643/ 6. Bapepam Regulation No. IX.I.5 dated December 7, 2012, No. Kep-643/BL/2012 concerning the Establishment and Work Guidelines of Audit Committee. 7. Regulation of Financial Services Authority (OJK) No. KEP- BL/2012 Perihal Pembentukan dan Pedoman Pelaksanaan 643/BL/2012 concerning the Establishment and Work Kerja Komite Audit. Guidelines of Audit Committee. 8. Peraturan Bursa Efek Indonesia (BEI) Nomor I-A Tentang 8. Regulation of Indonesia Stock Exchange (IDX) No. I-A Pencatatan Saham dan Efek bersifat Ekuitas selain Saham concerning the Listing of Shares and Equity Securities yang Diterbitkan oleh Perusahaan tercatat. Other Than Shares Issued by Listed Companies. Struktur dan Susunan Anggota Komite Audit Structure and Composition of Members of Audit Committee Anggota Komite Audit Bank terdiri dari seorang Komisaris The Bank’s Audit Committee is composed of one Independent Independen, seorang dari Pihak Independen yang memiliki Commissioner, one independent party with expertise in keahlian di bidang keuangan atau akuntansi dan seorang finance and accounting fields and one independent party with dari Pihak Independen yang memiliki keahlian di bidang expertise in legal and banking fields. Membership of Audit hukum atau perbankan. Keanggotaan Komite Audit telah Committee of the Bank has been validated by virtue of Decree disahkan pada Surat Keputusan SK.002/2015/PRESDIR-CorSec No. SK.002/2015/PRESDIR-CorSec dated September 28, tertanggal 28 September 2015 tentang Perubahan Susunan 2015, concerning the Changes in the Composition of Audit Anggota Komite Audit. Committee. Annual Report 2015 | PT. BANK SINARMAS Tbk. 409 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report Tabel susunan keanggotaan Komite Audit Nama / Name ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis PROFIL PERUSAHAAN Company Profile Table of composition of Audit Committee Jabatan / Position Masa Jabatan / Term of Office Keahlian / Expertise Ketua / Head Juli 2014 - sekarang / July 2014 - now Perbankan, ekonomi / Banking and economics Ketut Sanjaya Anggota / Member Juli 2014 - sekarang / July 2014 - now Perbankan / Banking Rusli Prakarsa Anggota / Member 28 September 2015 - Sekarang / September 28, 2015 - now Perbankan, ekonomi / Banking and economics Rusmin Anggota Komite Audit dapat diberhentikan apabila yang Members of the Audit Committee can be dismissed when the bersangkutan berakhir masa jabatan keanggotaannya dan member’s term of office expires and based on the decision berdasarkan keputusan Dewan Komisaris, serta diberhentikan of the Board of Commissioners, when they are unable to karena tidak memenuhi kinerja yang telah ditetapkan dan/ fulfill the performance standard that has been set and/or atau tidak kompeten dalam menjalankan tugasnya. incompetent in doing their duties. Profil Komite Audit Profile of Audit Committee Rusmin - Ketua Rusmin - Head Profil Ketua Komite Audit sudah disajikan dalam profil Dewan Profile of Head of Audit Committee has been presented in the Komisaris. profile of Board of Commissioners. Ketut Sanjaya - Anggota Ketut Sanjaya - Member Warga Negara Indonesia, 65 tahun. Bergabung dengan Bank Indonesian Citizen, 65 years old. Joining Bank Sinarmas Sinarmas sejak 2011. Sebelumnya menjabat sebagai Komisaris since 2011. Previously served as a Commissioner for PT Bank PT Bank Barclays Indonesia dan merupakan Pejabat Karier di Barclays Indonesia and is a Career Officer in Bank Indonesia Bank Indonesia dengan posisi: Peneliti Senior Perbankan pada with the positions: Senior Banking Researcher in 2008 - 2009, 2008-2009, Direktur Pengawasan Bank pada 2007-2008, Bank Supervision Director in 2007 - 2008, Chairman of Bank Pemimpin Bank Indonesia cabang Denpasar pada 2004-2007, Indonesia, Denpasar Branch in 2004 - 2007, Bank Supervisor Pengawas Bank pada 1994-2004, Pemeriksa Bank pada 1985- in 1994 - 2004, Bank Examiner in 1985 - 1994 and Credit 1994 dan Analis Kredit pada 1979-1983. Beliau lulus dari Analyst in 1979 - 1983. He graduated from Padjajaran Universitas Padjajaran, Bandung pada 1977 jurusan Teknik University, Bandung, in 1977 majoring in Engineering and dan Master of Management di ADL Management Education Master of Management in ADL Management Education Institute, Boston, USA pada tahun 1984. Institute, Boston, USA in 1984. Rusli Prakarsa - Anggota Rusli Prakarsa - Member Warga Negara Indonesia, 74 tahun. Bergabung dengan Bank Indonesian Citizen, 74 years old. Joining Bank Sinarmas Sinarmas sejak 28 September 2015. Sebelumnya menjabat since September28, 2015. Previously served as Vice President sebagai Wakil Presiden Komisaris PT Bank Panin pada 1975 - Commissioner for PT Bank Panin in 1975 - 2000, President 2000, Presiden Komisaris dan Ketua Tim Pengelola PT Bank Commissioner and Head of Management Team in PT Bank International Indonesia pada 2000 - 2002, Anggota Komite International Indonesia in 2000 - 2002, Audit Committee Audit PT SMART Tbk pada 2002 - 2010, Anggota Komite Member for PT SMART Tbk in 2002 - 2010, Audit Committee Audit PT Indah Kiat Pulp & Paper Tbk pada 2002 - 2013, Member for PT Indah Kiat Pulp & Paper in 2002 - 2013, Audit Anggota Komite Audit PT Lontar Papyrus Pulp and Paper Committee Member for PT Lontar Papyrus Pulp and Paper Industry pada 2013 - Agustus 2015, Anggota Komite Audit PT Industry in 2013 - August 2015, audit Committee Member Duta Pertiwi Tbk pada 01 Sept. 2015 - Sekarang dan anggota for PT DUta Pertiwi Tbk on September 1, 2015 present and Komite Audit PT Bumi Serpong Damai Tbk pada 1 September Audit Committee Member for PT Bumi Serpong Damai Tbk 2015 - Sekarang. Beliau meraih gelar Sarjana Ekonomi dari on September 01, 2015 - present. He obtained his Bachelor’s Universitas Sumatera Utara pada tahun 1969. degree in Economics in the University of North Sumatra in 1969. 410 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Keanggotaan Komite Audit telah sesuai dengan yang The membership of Audit Committee is in accordance with disyaratkan oleh ketentuan Bank Indonesia tentang what is required by the provision of Bank Indonesia on the pelaksanaan GCG dan Piagam Komite Audit. implementation of GCG and Audit Committee Charter. Independensi Komite Audit Independency of Audit Committee Dalam menjalankan Tugas dan Tanggung Jawabnya, Komite In conducting their duties and responsibilities, Audit Audit bertindak secara independen, serta tidak menerima/ Committee acts independently and does not accept melakukan intervensi dari/kepada Pihak lainnya. Anggota intervention from or intervene with other Parties. Members Komite Audit tidak terkait dengan Pemegang Saham, Dewan of Audit Committee does not have any relationship with the Komisaris, dan Direksi. Anggota Komite Audit yang berasal Shareholders, members of Board of Commissioners, and dari luar Bank tidak memiliki kepentingan serta keterkaitan members of Board of Directors. Audit Committee members yang bersifat pribadi sehingga dapat menimbulkan benturan who come from external parties of the Bank do not have any kepentingan (conflict of interest) dengan Bank. personal interest or relation that can rouse conflict of interest with the Bank. Tabel independensi Komite Audit Table of Audit Committee’s independency Rusmin Ketut Sanjaya Rusli Prakarsa Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi / Not having financial relationship with members of the Board of Commissioners and Board of Directors Tidak ada / Nil Tidak ada / Nil Tidak ada / Nil Tidak memiliki hubungan kepemilikan saham di perusahaan / Not having share ownership within the Bank Tidak ada / Nil Tidak ada / Nil Tidak ada / Nil Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan serta perusahaan afiliasi / Not having any managerial relationship in the Bank, subsidiaries and affiliations Tidak ada / Nil Tidak ada / Nil Tidak ada / Nil Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau anggota Komite Audit / Not having any familial relationship with the Board of Commissioners, Board of Directors and/or other members of Audit Committee Tidak ada / Nil Tidak ada / Nil Tidak ada / Nil Tidak menjabat sebagai pengurus partai politik, pejabat dan pemerintah / Not serving as the management of a political party and government officials Tidak ada / Nil Tidak ada / Nil Tidak ada / Nil Aspek Independensi Piagam Komite Audit Audit Committee Charter Dalam melaksanakan tugas dan tanggung jawab untuk In carrying out the duties and responsibilities for controlling melakukan kontrol dan pengkajian terhadap organisasi and reviewing the internal organization of the Bank, the Audit internal Bank, maka dalam melaksanakan kewajibannya, Committee has established a work guideline that is set in the Komite Audit telah dilengkapi dengan pedoman kerja yang Audit Committee Charter. The Charter consists of, among ditetapkan dalam Piagam Komite Audit. Piagam Komite others, duties and responsibilities of the committee and the Audit berisi antara lain mengenai tugas dan tanggung jawab description on the work procedure and authority of the Audit komite, uraian prosedur kerja dan kewenangan dari Komite Committee. The Audit Committee Charter is drafted based Audit. Piagam Komite Audit tersebut disusun berdasarkan on the prevailing laws and regulations, and was reviewed peraturan dan undang-undang yang berlaku dan senantiasa periodically in 2012. The last amendment to the Charter was ditinjau ulang secara berkala pada tahun 2012 dan mengalami stipulated in the Audit Charter Rev.01/2015 that had been perubahan terakhir yaitu Piagam Audit Rev.01/2015 yang approved on December 31, 2015. The Audit Committee telah disahkan tertanggal 31 Desember 2015. Piagam Komite Charter consists of: Audit berisi : 1.Pembentukan 1.Establishment 2. Dasar Hukum 2. Legal Basis 3. Susunan dan Syarat Anggota 3. Composition and Requirements for Members Annual Report 2015 | PT. BANK SINARMAS Tbk. 411 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis 4. Pengangkatan atau Pemberhentian 4. Appointment and Dismissal 5. Tugas dan Tanggung Jawab 5. Duties and Responsibilities 6.Wewenang 6.Authority 7. Masa Tugas 7.Tenure 8. Kode Etik 8. Code of Conduct 9. Tata Cara dan Prosedur Kerja 9. Work Guideline and Procedure 10. Ketentuan Rapat 10.Meeting’s Regulations 11.Pelaporan 11.Reporting 12. Masa Berlaku Piagam 12.Validity of the Charter 13. Penanganan dan Pengaduan pada Pelaporan Keuangan 13.Management of and Complaint in the Financial Reporting Procedure Tugas dan Tanggung jawab Duties and Responsibilities Komite Audit bertanggung jawab kepada Dewan Komisaris Audit Committee is responsible to the Board of Commissioners terkait melakukan kontrol dan pengkajian terhadap organisasi in relation to the controlling and reviewing functions on internal bank meliputi akuntansi dan pelaporan keuangan the internal organization of the Bank, encompassing the serta proses audit internal dan eksternal, mengidentifikasi accounting and financial reporting procedure, as well as hal-hal yang memerlukan perhatian Dewan Komisaris, dan the internal and external audit processes. Furthermore, the memberikan rekomendasi kepada Dewan Komisaris. Tugas Audit Committee also functions to identify matters that dan Tanggung Jawab Komite Audit antara lain meliputi require Board of Commissioners’ attention and to provide namun tidak terbatas pada: recommendations to the Board of Commissioners. Duties and Responsibilities of Audit Committee cover, but not limited to, the following points: 1. Melakukan penelaahan atas informasi keuangan yang 1. Reviewing financial information to be disclosed by the akan dikeluarkan Perseroan kepada publik dan/atau Bank to the public and/or authorities. The financial pihak otoritas antara lain laporan keuangan, proyeksi, information to be disclosed covers the financial dan laporan lainnya terkait dengan informasi keuangan statements, projections, and other reports related to the Perseroan. 2. Melakukan penelaahan atas ketaatan terhadap peraturan perundang-undangan yang berhubungan dengan kegiatan Bank’s financial information; 2. Reviewing the compliance of the Bank with the laws and regulations related to the Bank’s business activities; Perseroan; 3. Memberikan pendapat independen dalam hal terjadi perbedaan pendapat antara manajemen dan Akuntan atas jasa yang diberikannya; 4. Memberikan rekomendasi kepada Dewan Komisaris 3.Giving independent opinions in the event of dissenting opinion existing between the management and the Accountants regarding their rendered services; 4. Providing recommendations to the Board of mengenai penunjukan Akuntan yang didasarkan kepada Commissioners regarding the appointment of independensi, ruang lingkup penugasan, dan fee; Accountants. The recommendations are based on the independency, scope of assignment, and fee; 5. Melakukan penelaahan atas pelaksanaan pemeriksaan 5. Reviewing the audit results of internal auditors and oleh auditor internal dan mengawasi pelaksanaan tindak supervising the follow-ups of the internal audit results lanjut oleh Direksi atas temuan auditor internal; carried out by the Board of Directors; 6. Melakukan penelaahan terhadap aktivitas pelaksanaan 6. Reviewing the implementation of risk management manajemen risiko yang dilakukan oleh Direksi, jika activities conducted by the Board of Directors, in the event Perseroan tidak memiliki fungsi pemantau risiko di bawah of the Bank does not have risk oversight function under Dewan Komisaris; the Board of Commissioners; 7. Menelaah pengaduan yang berkaitan dengan proses akuntansi dan pelaporan keuangan Perseroan; 412 7. Reviewing the complaints related to the accounting process and financial reporting of the Bank; Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance 8. Menelaah dan memberikan saran kepada Dewan Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement 8. Reviewing the potential of conflict of interest faced by Komisaris terkait dengan adanya potensi benturan the Bank and providing recommendations to the Board of kepentingan Perseroan; Commissioners related to such matters; 9. Menjaga kerahasiaan dokumen, data dan informasi Perseroan 9. Keeping the confidentiality of documents, data and information of the Bank. Wewenang Komite Audit Authority of Audit Committee Dalam melaksanakan tugasnya, Komite Audit memiliki In conducting their duties, the Audit Committee has authority wewenang sebagai berikut : as follows: • Memperoleh dokumen, data, dan informasi tentang • Obtain documents, data and information regarding the Perseroan yang berkaitan dengan pengendalian intern. • Melakukan koordinasi dengan Satuan Kerja Audit Internal atau unit kerja lainnya apabila diperlukan. Laporan Singkat Pelaksanaan Tugas Tahun Berjalan Bank that are related to the internal control. • Coordinate with the Internal Audit Work Unit or other work units if deemed necessary. Brief Report of the Implementation of Duties in the Current Year Selama periode 2015, Komite Audit telah melakukan During 2015, the Audit Committee has performed the tindakan-tindakan antara lain: following actions: 1. Menerima laporan audit Mulyamin, Sensi, Suryanto, dan 1 Received audit report Mulyamin, Sensi, Suryanto, and Lianny atas Laporan Keuangan Bank Sinarmas tahun 2014. Lianny on the Financial Statement of Bank Sinarmas in 2014. 2. Mengkaji dan memantau proses tindak lanjut atas laporanlaporan hasil audit internal. 3. Membahas dan merekomendasikan usulan pemilihan 2. Reviewed and monitored the follow-up process on the results of internal audit reports. 3. Discussed and provided recommendation on the selection Kantor Akuntan Publik Mulyamin, Sensi, Suryanto & Lianny of Public Accountant Mulyamin, Sensi, Suryanto & Lianny kepada Dewan Komisaris untuk melakukan audit laporan to the Board of Commissioners to carry out audit on the keuangan Bank untuk periode 2015. 4. Melakukan pertemuan dengan Kantor Akuntan Publik Bank’s financial statements for the 2015 period. 4. Organized meetings with the Public Accountant Mulyamin, Mulyamin, Sensi, Suryanto, dan Lianny untuk membahas Sensi, Suryanto, and Lianny to discuss scope of audit on cakupan audit atas Laporan Keuangan Bank Sinarmas the Financial Statement of Bank Sinarmas in 2015 fiscal tahun buku 2015. 5. Menerima dan menindaklanjuti hasil audit Otoritas Jasa Keuangan (d/h) Bank Indonesia. 6. Menyampaikan hasil pemantauan dan rekomendasi year. 5. Received and followed-up the audit result of Financial Services Authority (d/h) Bank Indonesia. 6. Submitted the result of monitoring and recommendation Komite Audit dalam bentuk Memorandum kepada Dewan of Audit Committee in the form of Memorandum to the Komisaris. Board of Commissioners. 7. Menerima rangkuman rencana kerja SKAI tahun 2016. 7. Received the summary of SKAI work plan for 2016 Frekuensi dan Tingkat Kehadiran Rapat Komite Audit Frequency and Attendance Rate of Audit Committee Meeting Berdasarkan ketentuan rapat dalam Piagam Audit Pursuant to the meeting stipulation in the Audit Committee Rev.01/2015 yang telah disahkan tertanggal 31 Desember Charter Rev.01/2015, validated on December 31, 2015, 2015, rapat komite diselenggarakan sekurang-kurangnya 1 meeting of the committee is held, at the very least, once in 3 (satu) kali dalam 3 (tiga) bulan. Selama tahun 2015, Komite (three) months. During 2015, the Audit Committee held 6 (six) Audit telah mengadakan rapat sebanyak 6 (enam) kali dengan meetings with the attendance and frequency as follows: rekap absensi rapat sebagai berikut: Annual Report 2015 | PT. BANK SINARMAS Tbk. 413 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report Tabel kehadiran rapat Komite Audit No ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis PROFIL PERUSAHAAN Company Profile Table of meeting attendance of Audit Committee Nama / Name Jabatan / Position Frekuensi Kehadiran / Attendance Frequency Ketua / Head 6/6 1 Rusmin 2 Edwin Hidayat Abdullah* Anggota / Member 3/3 3 Agustinus Antonius** Anggota / Member 4/4 4 Ketut Sanjaya Anggota / Member 6/6 5 Rusli Prakarsa*** Anggota / Member 2/2 *mengundurkan diri efektif sejak 27 Juli 2015 **mengundurkan diri efektif sejak 7 Agustus 2015 ***efektif menjabat sebagai anggota Komite Audit sejak 28 September 2015 * resign from his position effective since July 27, 2015 ** resign from his position effective since August 7, 2015 *** effectively serving as the member of Audit Committee since September 28, 2015 Tabel rekap absensi rapat Komite Audit Table of absence list of Audit Committee Komite Audit / Audit Committee Tanggal / Date Rusmin Ketut Sanjaya Edwin Hidayat Abdullah* Agustinus Antonius** 16 Januari 2015 / January 16, 2015 √ √ √ √ 27 Februari 2015 / February 27, 2015 √ √ √ √ 16 April 2015 / April 16, 2015 √ √ √ √ 6 Agustus 2015 / August 6, 2015 √ √ 22 Oktober 2015 / October 22, 2015 √ √ 29 Oktober 2015 / October 29, 2015 √ √ Rusli Prakarsa*** Belum menjabat sebagai anggota Komite Audit / Have not been serving as a member of Audit Committee √ Mengundurkan diri / Resign Mengundurkan diri / Resign √ √ *mengundurkan diri efektif sejak 27 Juli 2015 **mengundurkan diri efektif sejak 7 Agustus 2015 ***efektif menjabat sebagai anggota Komite Audit sejak 28 September 2015 * resign from his position effective since July 27, 2015 ** resign from his position effective since August 7, 2015 *** effectively serving as the member of Audit Committee since September 28, 2015 Agenda Rapat Komite Audit Meeting Agenda of Audit Committee Agenda rapat Komite audit di tahun 2015, diantaranya Meeting of Audit Committee during 2015 discussed the membahas sebagai berikut : following agenda: Tanggal / Date Notulen 16 Januari 2015 / January 16, 2015 RR No.001/2015/KA Agenda Rapat / Meeting Agenda Tindaklanjut Rekomendasi atas hasil rapat tanggal 10 Oktober 2014 / Follow-up on the Recommendations of meeting’s decision on October 10, 2014 Informasi Fraud di KC Denpasar / Information on Fraud in Denpasar Branch Office Pokok-pokok Hasil Pemeriksaan SKAI - Triwulan IV/2014 Pembahasan terkait surat OJK No.S-77/PB.331/2014 perihal Laporan Hasil Kaji Ulang Pihak Ekstern Atas Kinerja SKAI PT. Bank Sinarmas Tbk. Discussion on OJK letter No. S-77/PB.331/2014 concerning Report on the Results of External Party’s Review on the Performance of SKAI PT. Bank Sinarmas Tbk. 414 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units Tanggal / Date TATA KELOLA PERUSAHAAN Good Corporate Governance Notulen Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Agenda Rapat / Meeting Agenda Pembahasan terkait surat OJK No.S-73/PB.33/2014 perihal Laporan Hasil Pemeriksaan Umum PT. Bank Sinarmas Tbk. posisi 31 Januari 2014 / Discussion on OJK letter No. S-73/PB.33/2014 concerning Report on the Results of General Assessment of PT. Bank Sinarmas Tbk. on January 31, 2014 Pembahasan terkait surat OJK No.S-96/PB.331/2014 perihal Laporan Final Audit dan Management Letter dari KAP posisi 31 Desember 2013 / Discussion on OJK letter No. S-96/PB.331/2014 concerning Final Report on Audit and Management Letter from KAP on December 31, 2013 Penunjukan KAP / Appointment of Public Accounting Firm 27 Februari 2015 / February 27, 2015 16 April 2015 / April 16, 2015 RR No.002/2015/KA Hasil Temuan KAP Atas Audit Laporan Keuangan Tahun 2014 / Findings of Public Accounting Firm in the Audit of 2014 Financial Statements Tindaklanjut Memo Rekomendasi Dewan Komisaris terkait hasil rapat Komite Audit tanggal 16 Januari 2015 / Follow-up on the Memo of the Recommendations RR No.003/2015/KA of the Board of Commissioners related to the meeting decisions of Audit Committee on January 16, 2015 Tindaklanjut surat OJK perihal Laporan Hasil Kaji Ulang Pihak Ekstern atas Kinerja SKAI / Follow-up on the Letter from OJK concerning the Report of External Party’s Review on the Performance of SKAI Tindaklanjut surat OJK perihal Laporan Final Audit dan Management Letter dari KAP posisi 31 Desember 2013 / Follow-up on the Letter from OJK concerning the Final Report of Audit and Management Letter from Public Accounting Firm on December 31, 2013 Hasil Pemeriksaan SKAI Triwulan I-2015 / Audit Results of SKAI for Q1 of 2015 6 Agustus 2015 / August 6, 2015 Tindaklanjut Memo Rekomendasi Dewan Komisaris terkait hasil rapat Komite Audit tanggal 17 April 2015 / Follow-up on the Memo of the Recommendations of RR No.004/2015/KA the Board of Commissioners related to the meeting decisions of Audit Committee on April 17, 2015 Tindaklanjut surat OJK perihal Laporan Hasil Kaji Ulang Pihak Ekstern atas Kinerja SKAI / Follow-up on the Letter from OJK concerning the Report of External Party’s Review on the Performance of SKAI Tindaklanjut surat OJK perihal Final Audit dan Management Letter dari KAP posisi 31 Desember 2013 / Follow-up on the Letter from OJK concerning the Final Report of Audit and Management Letter from Public Accounting Firm on December 31, 2013 Hasil Pemeriksaan OJK pada Bank Sinarmas / Result of OJK Assessment on Bank Sinarmas Hasil Pemeriksaan SKAI / Audit Results of SKAI 22 Oktober 2015 / October 22, 2015 Tindaklanjut Memo Rekomendasi Dewan Komisaris terkait hasil rapat Komite Audit 6 Agustus 2015 / Follow-up on the Memo of the Recommendations of the RR No.005/2015/KA Board of Commissioners related to the meeting decisions of Audit Committee on August 6, 2015 Tindaklanjut Penyelesaian Temuan OJK (target date s.d September 2015) / Followup on the Settlement of OJK’s Findings (target date: up to September 2015) Tindaklanjut Pemeriksaan SKAI Triwulan I/2015 Annual Report 2015 | PT. BANK SINARMAS Tbk. 415 KILAS KINERJA 2015 Flashback Performance of 2015 Tanggal / Date LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile Notulen ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Agenda Rapat / Meeting Agenda Hasil Pemeriksaan SKAI Triwulan III/2015/ Audit Results of SKAI for Q3 of 2015 Usulan Format Pre-Audit Checklist / Recommendations for the Format of Pre-Audit Checklist 29 Oktober 2015 / October 29, 2015 RR No.006/2015/KA Audit Laporan Keuangan PT. Bank Sinarmas Tbk. Tahun 2015 oleh Kantor Akuntan Publik Rekomendasi Komite Audit Kepada Dewan Komisaris Audit Committee Recommendations to the Board of Commissioners Sesuai dengan Piagam Audit Rev.01/2015 yang telah disahkan In line with the Audit Committee Charter Rev.01/2015 that tertanggal 31 Desember 2015, salah satu tugas Komite Audit had been validated on December 31, 2015, one of the duties adalah memberikan rekomendasi kepada Dewan komisaris of Audit Committee is to provide recommendations to the terkait dengan kontrol terhadap organisasi internal Bank. Board of Commissioners related to the control of the Bank’s internal organizations. Tabel rekomendasi Komite Audit terhadap Dewan Komisaris Table of recommendations of Audit Committee to the Board of Commissioners Tanggal / Dated No. Memo Perihal / Topic 23 Januari 2015 / January 23, 2015 M.002/2015/PRESKOM-KA Laporan Hasil Rapat Komite Audit Tanggal 16 Januari 2015 / Report on the meeting decision of Audit Committee on January 16, 2015 2 Maret 2015 / March 2, 2015 M.010/2015/PRESKOM-KA Laporan Hasil Rapat Komite Audit dan KAP Tanggal 27 Februari 2015 / Report on the meeting decision of Audit Committee and Public Accounting Firm on February 27, 2015 5 Mei 2015 / May 5, 2015 M.015A/2015/PRESKOM-KA Laporan Hasil Rapat Komite Audit Tanggal 17 April 2015 / Report on the meeting decision of Audit Committee on April 17, 2015 19 Agustus 2015 / August 19, 2015 M.024A/2015/PRESKOM-KA Laporan Hasil Rapat Komite Audit Tanggal 6 Agustus 2015 / Report on the meeting decision of Audit Committee on August 6, 2015 29 Oktober 2015 / October 29, 2015 M.028/2015/PRESKOM-KA Laporan Hasil Rapat Komite Audit Tanggal 22 Oktober 2015 / Report on the meeting decision of Audit Committee on October 22, 2015 5 November 2015 / November 5, 2015 M.030A/2015/PRESKOM-KA Laporan Hasil Rapat Komite Audit dan KAP Tanggal 29 Oktober 2015 / Report on the meeting decision of Audit Committee and Public Accounting Firm on October 29, 2015 KOMITE PEMANTAU RISIKO RISK MONITORING COMMITTEE Komite Pemantau Risiko dibentuk oleh Dewan Komisaris dan Risk Monitoring Committee is established by the Board of menjalankan tugasnya sesuai peraturan, di antaranya adalah Commissioners and performs its duties in accordance with the sebagai berikut: regulations, as follows: 1. Undang-undang No. 40 tahun 2007 tentang Perseroan 1. Law No. 40 of 2007 concerning Limited Liability Company. Terbatas. 2. Peraturan Bank Indonesia Nomor: 8/4/2006 Tentang Pelaksanaan Good Corporate Governance. 2. Regulation of Bank Indonesia No. 8/4/2006 concerning the Implementation of Good Corporate Governance. 3. Peraturan Bank Indonesia Nomor: 8/14/2006 Tentang 3. Regulation of Bank Indonesia No. 8/14/2006 concerning Perubahan Atas Peraturan Bank Indonesia Nomor: the Amendment to the Regulation of Bank Indonesia 8/4/2006 Tentang Pelaksanaan Good Corporate No. 8/4/2006 concerning the Implementation of Good Governance. Corporate Governance. 416 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Melalui slogan “Solusi Perbankan Anda”, Serve and Respect, dan We Always Care, kami senantiasa melayani dan memenuhi kebutuhan nasabah dengan senang hati. Through the slogan “Solusi Perbankan Anda” (“Your Banking Solution), Serve and Respect, and We Always Care”, we are pleased to continuously serve and fulfill our customers’ needs. 4. Surat Edaran Bank Indonesia No. 15/15/DPNP Tanggal 4. Circular Letter of Bank Indonesia No. 15/15/DPNP dated 29 April 2013 Perihal Surat Edaran kepada Semua Bank April 29, 2013 concerning the Circular Letter to All Umum Konvensional di Indonesia. Conventional Public Banks in Indonesia. Komite Pemantau Risiko dibentuk untuk mendukung The Risk Monitoring Committee functions to assist the duties pelaksanaan fungsi Dewan Komisaris dalam mengawasi of the Board of Commissioners in supervising the effectiveness efektivitas proses manajemen risiko meliputi proses of risk management process, which covers the identification, identifikasi, pengukuran, pemantauan, dan pengendalian measurement, supervision and control of risks in the Bank. risiko pada Bank. Komite Pemantau Risiko berkoordinasi The Risk Monitoring Committee coordinates with the Risk dengan Komite Manajemen Risiko dan Satuan Kerja Management Committee and Risk Management Work Unit. Manajemen Risiko. Struktur dan Susunan Komite Pemantau Risiko Structure and Composition of Risk Monitoring Committee Anggota Komite Pemantau Risiko Bank terdiri dari seorang The Bank’s Risk Monitoring Committee is composed of Komisaris Independen, seorang dari Pihak Independen yang one Independent Commissioner, one independent party memiliki keahlian di bidang keuangan atau akuntansi dan with expertise in finance and accounting fields, and one seorang dari Pihak Independen yang memiliki keahlian di independent party with expertise in risk management field. bidang manajemen risiko. Keanggotaan Komite Pemantau Membership of Risk Monitoring Committee of the Bank has Risiko telah disahkan pada Surat Keputusan SK.023/2015/ been validated by virtue of Decree No. SK.023/2015/PRESDIR- PRESDIR-CorSec tentang Perubahan Susunan Anggota Komite CorSec dated September 28, 2015, concerning the Changes Pemantau Risiko tertanggal 28 September 2015. in the Composition of Risk Monitoring Committee. Annual Report 2015 | PT. BANK SINARMAS Tbk. 417 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report Tabel struktur dan susunan Komite Pemantau Risiko ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis PROFIL PERUSAHAAN Company Profile Table of structure and composition of Risk Monitoring Committee Nama / Name Posisi / Position Periode Jabatan / Period of Service Keahlian / Expertise Ketua / Head Juli 2014 - Sekarang / July 2014 - now • Ekonomi / Economy • Akuntansi / Accounting • Manajemen & Strategi Bisnis / Management & Business Strategy Tjendrawati Widjaja Anggota / Member Juli 2014 - Sekarang / July 2014 - now • Ekonomi / Economy • Keuangan / Finance • Perbankan / Banking Ketut Sanjaya Anggota / Member 2014 - Sekarang / 2014 - now • Manajemen / Management • Perbankan / Banking Rusli Prakarsa Anggota / Member 2015 - Sekarang / 2015 - now • Ekonomi / Economy • Perbankan / Banking Sammy Kristamuljana Profil Komite Pemantau Risiko Profile of Risk Monitoring Committee Sammy Kristamuljana - Ketua Sammy Kristamuljana - Head Profil Ketua Komite sudah disajikan dalam profil Dewan Profile of Head of Committee has been presented in the Board Komisaris. of Commissioners’ profile. Tjendrawati Widjaja - Anggota Tjendrawati Widjaja - Member Profil anggota Komite sudah disajikan dalam profil Dewan Profile of the Committee member has been presented in the Komisaris. Profile of the Board of Commissioners Ketut Sanjaya - Anggota Ketut Sanjaya - Member Profil anggota Komite sudah disajikan dalam profil anggota Profile of the Committee member has been presented in the Komite Audit. Profile of the Board of Commissioners Rusli Prakarsa - Anggota Rusli Prakarsa - Member Profil anggota Komite sudah disajikan dalam profil anggota Profile of the Committee member has been presented in the Komite Audit. Profile of the Board of Commissioners Keanggotaan Komite Pemantau Risiko telah sesuai dengan Membership of the Risk Monitoring Committee is in yang disyaratkan oleh ketentuan Bank Indonesia tentang accordance with the requirements of Bank Indonesia pelaksanaan GCG dan Piagam Komite Pemantau Risiko. Provision on the implementation of GCG and Risk Monitoring Committee Charter. Independensi Komite Pemantau Risiko Independency of Risk Monitoring Committee Dalam menjalankan Tugas dan Tanggung Jawabnya, Komite In carrying out its duties and responsibilities, Risk Monitoring Pemantau Risiko bertindak secara independen, serta tidak Committee acts independently, and does not intervene / menerima/melakukan intervensi dari/kepada Pihak lainnya. intervened to/from other parties. Members of Risk Monitoring Anggota Komite Pemantau Risiko tidak terkait dengan Committee do not related to Shareholders, Board of Pemegang Saham, Dewan Komisaris, dan Direksi. Anggota Commissioners, and Board of Directors. Members who are Komite Pemantau Risiko yang berasal dari luar Bank tidak originated from outside the Bank do not have personal memiliki kepentingan serta keterkaitan yang bersifat pribadi interest and relation that may cause conflict of interest with sehingga dapat menimbulkan benturan kepentingan (conflict the Bank. of interest) dengan Bank. 418 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement 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: Aspek Independensi / Aspect of Independency Sammy Kristamuljana Tjendrawati Widjaja Ketut Sanjaya Rusli Prakarsa Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi / No financial relations with the Board of Commissioners and Board of Directors Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill Tidak memiliki hubungan kepemilikan saham di perusahaan / No share ownership relations in the Company Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan serta perusahaan afiliasi / No management relations in the Company, subsidiaries, and affiliated companies. Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau anggota Komite Audit / No family relations with the Board of Commissioners, Board of Directors, and/or Audit Committee members. Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill Tidak menjabat sebagai pengurus partai politik, pejabat dan pemerintah / Does not serve as management of political parties, officials and governments Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill Piagam Komite Pemantau Risiko Risk Monitoring Committee Charter Dalam melaksanakan tugas dan tanggung jawab untuk In carrying out its duties and responsibilities to control melakukan kontrol dan pengkajian terhadap atas profil and review the bank risk profile comprehensively, the Risk risiko bank secara komprehensif, maka dalam melaksanakan Monitoring Committee is equipped with working guideline kewajibannya, Komite Pemantau Risiko telah dilengkapi that is set in Risk Monitoring Committee Charter. The Charter dengan pedoman kerja yang ditetapkan dalam Piagam Komite contains duties and responsibilities, and description of working Pemantau Risiko. Piagam Komite Pemantau Risiko berisi procedures and authorities of Risk Monitoring Committee. antara lain mengenai tugas dan tanggung jawab komite, This Charter is composed based on the prevailing laws and uraian mengenai prosedur kerja dan kewenangan dari Komite regulations and has been periodically reviewed in 2012. The Pemantau Risiko. Piagam Komite Pemantau Risiko tersebut latest change was Risk Monitoring Charter Rev.01/2015 that disusun berdasarkan peraturan dan undang-undang yang has been validated on December 31, 2015. Risk Monitoring berlaku dan ditinjau ulang secara berkala pada tahun 2012 Charter consists of: dan mengalami perubahan terakhir yaitu Piagam Pemantau Risiko Rev.01/2015 yang telah disahkan tertanggal 31 Desember 2015. Piagam Komite Pemantau Risiko berisi: 1. Pembentukan dan Dasar Hukum 1. Establishment and Legal Basis 2. Susunan dan Syarat Keanggotaan 2. Composition and Membership Requirements 3. Pengangkatan dan Pemberhentian 3. Appointment and Dismissal 4. Tugas dan Tanggung Jawab 4. Duties and Responsibilities 5. Wewenang dan Masa Tugas 5. Authorities and Term of Office 6. Kode Etik 6. Code of Conduct 7. Tata cara dan Prosedur Kerja 7. Working Procedures 8. Ketentuan Rapat 8. Meeting Provisions 9.Pelaporan 9.Reporting 10.Masa Berlaku Piagam 10.Period of Charter Annual Report 2015 | PT. BANK SINARMAS Tbk. 419 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Tugas dan Tanggung jawab Duties and Responsibilities Komite Pemantau Risiko bertanggung jawab kepada Dewan Risk Monitoring Committee is responsible to the Board of Komisaris terkait melakukan kontrol dan pengkajian atas profil Commissioners concerning control and review of bank risk risiko bank secara komprehensif, mengidentifikasi hal-hal yang profile comprehensively, identification of matters that require memerlukan perhatian Dewan Komisaris, dan memberikan attention from the Board of Commissioners, and provides rekomendasi kepada Dewan Komisaris, Tugas dan Tanggung recommendation to the Board of Commissioners. Duties Jawab Komite Pemantau Risiko antara lain meliputi namun and Responsibilities of Risk Monitoring Committee cover the tidak terbatas pada : following but not limited to: • Memberikan Rekomendasi kepada Dewan Komisaris • Providing recommendation to the Board of Commissioners dalam rangka meningkatkan efektivitas Bank, terkait: to improve the Bank effectiveness related to: evaluation evaluasi tentang kesesuaian antara kebijakan manajemen of conformity between risk management policy and the risiko dengan pelaksanaan kebijakan tersebut. • pemantauan dan evaluasi pelaksanaan tugas Komite implementation of the policy. • Monitoring and evaluating the implementation of duties Manajemen Risiko dan Satuan Kerja Manajemen Risiko of Risk Management Committee and Risk Management (SKMR). Working Unit (SKMR). Wewenang Komite Pemantau Risiko Authorities of Risk Monitoring Committee Dalam melaksanakan tugasnya, Komite Pemantau Risiko Authorities of Risk Monitoring Committee are as follows: memiliki wewenang sebagai berikut : 1. Memperoleh dokumen, data, dan informasi tentang Perseroan yang berkaitan dengan pengendalian intern. 2. Melakukan koordinasi dengan SKMR atau unit kerja lainnya apabila diperlukan. 1. Obtaining documents, data, and information on the Company relating to internal control. 2. Performing coordination with SKMR or other working units if necessary. Laporan Singkat Pelaksanaan Tugas Komite Pemantau Brief Report of the Duty Implementation of Risk Risiko Monitoring Committee Program kerja Komite Pemantau Risiko difokuskan untuk Risk Monitoring Committee’s work program focuses on mengevaluasi konsistensi dan kecukupan antara kebijakan evaluating the consistency and adequacy between risk manajemen risiko serta implementasi dari kebijakan tersebut. management policy and the implementation of such policy. Hasil dari evaluasi dan pemantauan yang dilakukan akan Results of evaluation and monitoring that have been carried disampaikan dalam bentuk rekomendasi kepada Dewan out will be submitted in the form of recommendation to the Komisaris. Board of Commissioners. Selama 2015, Komite Pemantau Risiko telah melaksanakan During 2015, the Risk Monitoring Committee has program sebagai berikut: implemented the following programs: 1. Melakukan evaluasi terhadap : 1. Evaluation on : a. Laporan Keuangan 2014 a. 2014 Financial Statement b. Laporan Keuangan Kwartalan 2014 b. 2014 Quarterly Financial Statement c. Laporan Kepatuhan 2014 c. 2014 Compliance Report d. Peraturan-peraturan internal yang terkait dengan d. Internal rules which are related to the implementation pelaksanaan manajemen risiko 2. Melakukan pemantauan terhadap strategi dan of risk management 2. Carry out monitoring on strategy and implementation implementasi dalam meningkatkan peringkat Tingkat in improving the rank of Bank’s Health Index as well as Kesehatan Bank serta memberikan rekomendasi terhadap to provide recommendation on parameters (Risk Profile, parameter-parameter (Profil Risiko, GCG, Rentabilitas, GCG, Profitability, and Capital) which needs to be focused. Permodalan) yang perlu menjadi perhatian. 420 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance 3. Mempelajari dan memahami regulasi yang mengatur Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement 3. Study and understand the regulation that regulates the pelaksanaan manajemen risiko serta memastikan bahwa implementation of risk management as well as to ensure Bank telah mengimplementasikan regulasi tersebut. that the Bank has implemented such regulation. 4. Memahami risiko-risiko yang dihadapi Bank dan 4. Understand that risks faced by the bank and provide clear memberikan arahan yang jelas, melakukan pengawasan guidance, actively perform supervision and mitigation as dan mitigasi secara aktif serta mengembangkan budaya well as develop risk management culture in the entire manajemen risiko pada seluruh unit kerja. work unit. 5. Membahas antisipasi pengendalian risiko dalam hal-hal 5. Discuss the anticipation of risk control for special matters, yang bersifat khusus, antara lain rencana pengembangan among others, the development plan of office network jaringan kantor dan pengembangan Teknologi Sistem and the development of Information Technology (TSI). Informasi (TSI). 6. Mengintensifkan komunikasi dengan unit-unit dalam Bank 6. Intensify the communication with units in the Bank or maupun pihak luar yang relevan dalam rangka mencari relevant external parties in order to seek better and more bentuk pelaksanaan tugas yang lebih baik dan efektif. effective duty implementation. 7. Melakukan pengawasan terhadap seluruh eksposur 7. Perform supervision on the entire risk exposure, with risiko, dengan prioritas pada eksposur risiko kredit, priority to the credit risk exposure, operational risk, which risiko operasional, yang dilakukan antara lain dengan is conducted among others by performing tight monitoring melakukan pemantauan secara ketat atas perkembangan on credit and business development to improve credit kredit dan usaha untuk memperbaiki kualitas kredit serta quality as well as monitoring on the follow-up of findings pemantauan terhadap tindak lanjut temuan berulang oleh by SKAI or External Audit. Supervision is conducted to the SKAI atau Audit Eksternal. Pengawasan dilakukan pula entire activities and Treasury portfolio owned by the Bank. terhadap seluruh aktivitas dan portofolio Treasury yang dimiliki Bank. 8. Melakukan pengawasan terhadap realisasi rencana Bisnis 8. Perform supervision on the realization of the Bank’s Bank, khususnya dalam menghadapi lingkungan bisnis Business plan, especially in facing the business yang dihadapkan pada perekonomian global. environment against global economy 9. Melakukan evaluasi dan memberikan masukan kepada 9. Perform evaluation and provide inputs to the Board of Dewan Komisaris terhadap transaksi atau kegiatan Commissioners on transaction or business activity which usaha yang berpotensi menimbulkan risiko, untuk dapat potentially cause risks to occur, in order to be used by the digunakan oleh Dewan Komisaris sebagai dasar untuk Board of Commissioners as basis for decision-making. pengambilan keputusan. 10.Memberikan masukan terhadap implementasi BASEL 10.Provide input on the implementation of BASEL II, BASEL II, BASEL III, dan implementasi PSAK 50 dan 55 serta III, and implementation of PSAK 50 and 55 as well as mengantisipasi dampaknya terhadap aktivitas usaha Bank, anticipate its impact on the Bank’s business activity, capital kecukupan modal dan kesiapan infrastruktur. adequacy and infrastructure readiness. Adapun rekomendasi yang diberikan kepada Dewan Komisaris The following are the recommendations provided to the Board sehubungan dengan telah dilaksanakannya program kerja of Commissioners in connection with the implementation of tersebut antara lain: such work programs: 1. Perlunya ditingkatkan mekanisme sistem pengawasan dan 1. The need for improved mechanism of supervision system sistem monitoring kredit, khususnya kredit dengan skema channeling dan consumer loan. 2. Perlunya peningkatan pelaksanaan pemantauan aktivitas transaksi fasilitas ekspor impor kepada nasabah. and credit monitoring system, especially credit with channeling and consumer loan scheme. 2. The need for improvement on the implementation of supervision on activity of export import transaction to the customer. 3. Memaksimalkan monitoring dan meminimalkan potensi 3. Maximize the monitoring and minimize the potential of kerugian dengan cara meningkatkan efektivitas Sistem loss by improving the effectiveness of Risk Management Informasi Manajemen Risiko untuk risiko pasar dan Information System for market and liquidity risks. likuditas. Annual Report 2015 | PT. BANK SINARMAS Tbk. 421 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report 4. Minimalisasi potensi risiko operasional akibat kesalahan yang dilakukan oleh petugas pelaporan (human error). PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis 4. Minimize operational risk potential due to mistakes conducted by officer at whistleblowing division (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 5. For the improvement of sustainable work quality, intensive discussion with the Regulators regarding the assessment of the Bank’s health index is needed. 6. The Bank has to perform total improvement in realizing the ideal Bank’s Health Index. 7. Implementation of Risk Awareness culture shall be sebagai salah satu bentuk mitigasi risiko, dari level improved as one of the risk mitigation form, from the tertinggi hingga terendah. highest to lowest level. 8. SKMR harus menjadi partner bagi unit kerja lain untuk mencapai tujuan bersama sesuai dengan arahan pihak Manajemen. 8. SKMR must be the partner for other working unit to reach mutual target in accordance with the guidance of the Management. 9. Perlunya perbaikan aspek Kualitas Penerapan Manajemen 9. The need for improvement of Risk Management Risiko, khususnya untuk nilai parameter yang peringkatnya Implementation Quality aspect, especially for the masih perlu ditingkatkan. parameter value whose rank needs to be improved. 10.Perlunya kajian terhadap tiap temuan Bank Indonesia serta pemantauan atas tindak lanjut temuan Bank Indonesia. 10.The needs for study on each finding by Bank Indonesia as well as monitoring on the follow-up on findings by Bank Indonesia. Frekuensi dan Tingkat Kehadiran Rapat Komite Frequency and Attendance Rate of Risk Monitoring Pemantau Risiko Committee Meeting Komite Pemantau Risiko telah menyelenggarakan rapat Risk Monitoring Committee has organized 4 meetings that is sebanyak 4 kali yang dipimpin oleh ketua yang seluruh hasil led by the head of the committee, and the meeting decision is rapatnya diputuskan berdasarkan musyawarah mufakat made based on concensus and stated in writing in the minutes dan dituangkan secara tertulis ke dalam risalah rapat of meetings which is properly documented in order to provide serta didokumentasikan dengan baik guna memberikan recommendation to the Board of Commissioners. rekomendasi kepada Dewan Komisaris. Tabel kehadiran rapat Komite Pemantau Risiko Table of meeting attendance of the Risk Monitoring Committee No Nama / Name Jabatan / Position Frekuensi Kehadiran / Attendance Frequency Ketua / Head 4/4 1 Sammy Kristamuljana 2 Tjendrawati Widjaja Anggota / Member 4/4 3 Edwin Hidayat Abdullah* Anggota / Member 3/3 4 Agustinus Antonius** Anggota / Member 3/3 5 Ketut Sanjaya*** Anggota / Member 1/1 6 Rusli Prakarsa*** Anggota / Member 1/1 * mengundurkan diri efektif sejak 27 Juli 2015 ** mengundurkan diri efektif sejak 7 Agustus 2015 *** menjabat sebagai anggota Komite Pemantau Risiko sejak 28 September 2015 422 *resigned on July 27, 2015 **resigned on August 7, 2015 ***effective as member of Risk Monitoring Committee since September 28, 2015 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tabel rekap rapat Komite Pemantau Risiko Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Table of meeting recap of the Risk Monitoring Committee Komite Pemantau Risiko Rusmin Rusmin Ketut Sanjaya Edwin Hidayat Abdullah* 21 Januari 2015 / January 21, 2015 √ √ √ √ 20 April 2015 / April 20, 2015 √ √ √ √ 15 Juli 2015 / July 15, 2015 √ √ √ √ 19 Oktober 2015 / October 19, 2015 √ √ Mengundurkan diri / Resigned Mengundurkan diri / Resigned Tanggal / Date Agustinus Antonius** Rusli Prakarsa*** Belum menjabat sebagai anggota / Not a member yet Belum menjabat sebagai anggota / Not a member yet √ √ * mengundurkan diri efektif sejak 27 Juli 2015 ** mengundurkan diri efektif sejak 7 Agustus 2015 *** menjabat sebagai anggota Komite Pemantau Risiko sejak 28 September 2015 *resigned on July 27, 2015 **resigned on August 7, 2015 ***effective as member of Risk Monitoring Committee since September 28, 2015 Agenda Rapat Komite Pemantau Risiko Risk Monitoring Committee Meeting Agenda Tabel agenda rapat Komite Pemantau Risiko Table of meeting agenda of the Risk Monitoring Committee Tanggal / Date Nomor Risalah Rapat 21 Januari 2015 / January 21, 2015 RR No.001/2015/ KPR Penilaian Tingkat Kesehatan Bank Semester II/2014 dan Profil Risiko Unit Usaha Syariah (UUS) Triwulan IV/2014 / Assessment of Bank Health Level of Semester II/2014 and Risk Profile of Sharia Business Unit (UUS) of Quarter IV/2014 April 2015 / April, 2015 RR No.002/2015/ KPR Tindak Lanjut Rekomendasi Rapat Komite Pemantau Risiko / Follow-Up of Recommendation from Risk Monitoring Committee Meeting Agenda Rapat / Meeting Agenda Hasil Self Assesment Profil Risiko Triwulan I/2015 / Self Assessment Result of Risk Profile Quarter I/2015 Hasil Self Assesment Profil Risiko Syariah Triwulan I/2015 / Self Assessment Result of Risk Profile Quarter I/2015 Simulasi Hasil Self Assesment Tingkat Kesehatan Bank Triwulan I/2015 / Simulation of Self Assessment Result of Bank Health Level Quarter I/2015 Usulan Perubahan Bobot Tingkat Kesehatan Bank dan Bobot/Parameter Profil Risiko / Proposal of Change in Bank Health Level Value and Value/Parameter of Risk Profile Juli 2015 / July, 2015 RR No.003/2015/ KPR Tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko / Follow-Up of Recommendation from Risk Management Committee Meeting Hasil Self Assesment Profil Risiko Triwulan II/2015 / Self Assessment Result of Risk Profile Quarter II/2015 Hasil Self Assesment Tingkat Kesehatan Bank Semester I/2015 / Self Assessment Result of Bank Health Level Semester I/2015 Hasil Self Assesment Profil Risiko Syariah Triwulan II/2015 / Self Assessment Result of Sharia Risk Profile Quarter II/2015 Oktober 2015 / October, 2015 RR No.004/2015/ KPR Tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko dan Komite Pemantau Risiko Triwulan II/2015 / Follow-Up of Recommendation from Risk Monitoring Committee and Risk Management Committee Meeting Quarter II/2015 Hasil Self Assesment Profil Risiko Triwulan III/2015 / Self Assessment Result of Risk Profile Quarter III/2015 Annual Report 2015 | PT. BANK SINARMAS Tbk. 423 KILAS KINERJA 2015 Flashback Performance of 2015 Tanggal / Date LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile Nomor Risalah Rapat ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Agenda Rapat / Meeting Agenda Hasil Self Assesment Profil Risiko Syariah Triwulan III/2015 / Self Assessment Result of Sharia Risk Profile Quarter III/2015 Simulasi Hasil Self Assesment Tingkat Kesehatan Bank Triwulan III/2015 / Simulation of Self Assessment Result of Bank Health Level Quarter III/2015 Pokok-Pokok Perubahan atas Hasil Kaji Ulang Penerapan Kebijakan Manajemen Risiko Bank Sinarmas (SK No.006/2013/DIR5-SKMR tanggal 2 Juli 2013) / Principals of Changes in Review of Implementation of Bank Sinarmas Risk Management Policy (SK No.006/2013/DIR5-SKMR dated July 2, 2013) Rekomendasi Komite Pemantau Risiko Kepada Dewan Recommendation from Risk Monitoring Committee to Komisaris the Board of Commissioners Sesuai dengan Piagam Pemantau Risiko Rev.01/2015 yang In accordance with Risk Monitoring Charter Rev.01/2015 that telah disahkan tertanggal 31 Desember 2015, salah satu tugas has been validated on December 31, 2015, one of duties of Komite Pemantau Risiko adalah memberikan rekomendasi Risk Monitoring Committee is providing recommendation to kepada Dewan komisaris terkait dengan kontrol terhadap the Board of Commissioners concerning control over Bank’s organisasi internal Bank. internal organization. Tabel rekomendasi Komite Pemantau Risiko kepada Dewan Table of recommendation from Risk Monitoring Committee to Komisaris the Board of Commissioners Tanggal / Dated No. Memo 30 Januari 2015 / January 30, 2015 M.001/2015/PRESKOM-KPR Rekomendasi hasil rapat Komite Pemantau Risiko tanggal 21 Januari 2015 / Recommendation of Risk Monitoring Committee meeting dated January 21, 2015 28 April 2015 / April 28, 2015 M.013/2015/PRESKOM-KPR Rekomendasi hasil rapat Komite Pemantau Risiko tanggal 20 April 2015 / Recommendation of Risk Monitoring Committee meeting dated April 20, 2015 29 Juli 2015 / July 29, 2015 30 Oktober 2015 / October 30, 2015 Perihal / Topic Rekomendasi hasil rapat Komite Pemantau Risiko tanggal 15 Juli M.021A/2015/PRESKOM-KPR 2015 / Recommendation of Risk Monitoring Committee meeting dated July 15, 2015 Rekomendasi hasil rapat Komite Pemantau Risiko Triwulan III/2015 M.028A/2015/PRESKOM-KPR / Recommendation of Risk Monitoring Committee meeting dated July 15, 2015 KOMITE REMUNERASI DAN NOMINASI NOMINATION AND REMUNERATION COMMITEE Komite Remunerasi dan Nominasi Bank Sinarmas dibentuk Remuneration and Nomination Committee of Bank oleh Dewan Komisaris dengan tujuan untuk mendukung Sinarmas is established with the purpose of supporting pelaksanaan fungsi pengawasan Dewan Komisaris terkait the implementation of supervisory function of Board of kebijakan remunerasi dan nominasi. Commissioners on remuneration and nomination policies. Struktur dan Susunan Komite Remunerasi dan Nominasi Structure and Composition of Nomination and Remuneration Committee Anggota Komite Remunerasi Dan Nominasi terdiri dari Members of Nomination and Remuneration Committee seorang Komisaris Independen, seorang dari Anggota Dewan consist of an Independent Commissioner, a member from Komisaris, Pihak Independen atau Pihak yang menduduki Board of Commissioners, Independent Party or Party that jabatan manajerial di bawah Direksi yang membidangi occupies managerial position under the Board of Directors Sumber Daya Manusia. Keanggotaan Komite Remunerasi Dan who is in charge of Human Resources. Membership of 424 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Nominasi telah disahkan pada Surat Keputusan SK.017/2014/ Nomination and Remuneration Committee has been validated PRESDIR-CorSec&CorComm tentang Perubahan Susunan through Decree SK.017/2014/PRESDIR-CorSec&CorComm Anggota Komite Remunerasi Dan Nominasi tertanggal 3 Juli on Change in Composition of Members of Nomination and 2014. Remuneration Committee dated July 3, 2014. Tabel komposisi Komite Remunerasi dan Nominasi Table of composition of Nomination and Remuneration Committee Nama / Name Posisi / Position Periode Jabatan / Period of Service Ketua / Head Juli 2014 - Sekarang / July 2014 - now • Perbankan / Banking • Ekonomi / Economics Tjendrawati Widjaja Anggota / Member Juli 2014 - Sekarang / July 2014 - now • Ekonomi / Economics • Keuangan / Finance • Perbankan / Banking Wahyu Zaenie Anggota / Member Juli 2014 - Sekarang / July 2014 - now • Human Capital Management/ Personalia • Hukum / Law Rusmin Keahlian / Expertise Profil Komite Remunerasi dan Nominasi Profile of Remuneration and Nomination Committee Rusmin - Ketua Rusmin-Head Profil Ketua Komite Remunerasi dan Nominasi sudah disajikan Profile of Head of Remuneration and Nomination Committee dalam profil Dewan Komisaris. has been presented in profile of Board of Commissioners. Tjendrawati Widjaja - Anggota Tjendrawati Widjaja - Member Profil anggota Komite Remunerasi dan Nominasi ini sudah Profile of Remuneration and Nomination Committee Member disajikan dalam profil Dewan Komisaris. has been presented in profile of Board of Commissioners. Wahyu Zaenie - Anggota Wayu Zaenie - Member Warga Negara Indonesia, 56 tahun. Bergabung dengan Indonesian Citizen, 56 years old. Working in Bank Sinarmas Bank Sinarmas sejak 2006 Dan menjabat sebagai anggota since 2006 and serving as member of the Remuneration and Komite Remunerasi dan Nominasi sejak Juli 2012. Saat ini Nomination Committee since July 2012. Currently he serves as menjabat sebagai Division Head Human Capital Recruitment Division Head of Human Capital Recruitment & Administration & Administration Support. Beliau meraih gelar Sarjana Hukum Support. He achieved his bachelor of laws from Parahyangan dari Universitas Katolik Parahyangan. Catholic University. Keanggotaan Komite Pemantau Risiko telah sesuai dengan Composition of Risk Monitoring Committee conforms to Bank yang disyaratkan oleh ketentuan Bank Indonesia tentang Indonesia regulation regarding the implementation of GCG pelaksanaan GCG dan Piagam Komite Remunerasi dan and Remuneration and Nomination Committee Charter. Nominasi. Independensi Komite Remunerasi dan Nominasi Independency of Remuneration and Nomination Committee Dalam menjalankan Tugas dan Tanggung Jawabnya, Komite Composition of Remuneration and Nomination Committee Remunerasi Dan Nominasi bertindak secara independen, has been in line with Bank Indonesia regulation regarding the serta tidak menerima/melakukan intervensi dari/kepada Pihak implementation of GCG and Remuneration and Nomination lainnya. Anggota Komite Remunerasi Dan Nominasi tidak Committee Charter, which generally are as follows: terkait dengan Pemegang Saham, Dewan Komisaris, dan Direksi. Annual Report 2015 | PT. BANK SINARMAS Tbk. 425 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis PROFIL PERUSAHAAN Company Profile Rusmin Tjendrawati Widjaja Wahyu Zaenie Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi / No financial relations with the Board of Commissioners and Board of Directors Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill Tidak memiliki hubungan kepemilikan saham di perusahaan / No share ownership relations in the Company Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan serta perusahaan afiliasi / No management relations in the Company, subsidiaries, and affiliated companies. Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau anggota Komite Audit / No family relations with the Board of Commissioners, Board of Directors, and/or Audit Committee members. Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill Tidak menjabat sebagai pengurus partai politik, pejabat dan pemerintah / Does not serve as management of political parties, officials and governments Tidak ada / Nill Tidak ada / Nill Tidak ada / Nill Aspek Independensi / Aspect of Independency Piagam Komite Remunerasi dan Nominasi Nomination and Remuneration Committee Charter Dalam melaksanakan tugas dan tanggung jawab untuk In implementing the duties and responsibilities to control and melakukan kontrol dan pengkajian terhadap proses review the transparency of nomination and remuneration transparansi remunerasi dan nominasi terhadap anggota process to members of the Board of Directors and Board Direksi dan anggota Dewan Komisaris, maka dalam of Commissioners. In carrying out the responsibilities, melaksanakan kewajibannya, Komite Remunerasi dan Nomination and Remuneration Committee is equipped with Nominasi telah dilengkapi dengan pedoman kerja yang working guideline that is set in Nomination and Remuneration ditetapkan dalam Piagam Komite Remunerasi dan Nominasi. Committee Charter. The Charter contains duties and Piagam Komite Remunerasi dan Nominasi berisi antara responsibilities, and description of working procedures and lain mengenai tugas dan tanggung jawab komite, uraian authorities of Nomination and Remuneration Committee. mengenai prosedur kerja dan kewenangan dari Komite This Charter is composed based on the prevailing laws and Remunerasi dan Nominasi. Piagam Komite Remunerasi regulations and is reviewed periodically. The latest change was dan Nominasi tersebut disusun berdasarkan peraturan dan on May 7, 2015. Nomination and Remuneration Committee undang-undang yang berlaku dan ditinjau ulang secara Charter consists of: berkala serta mengalami perubahan terakhir tertanggal 7 Mei 2015. Piagam Komite Remunerasi dan Nominasi berisi: 1. Pembentukan dan Susunan Keanggotaan 1. Establishment and Membership Composition 2.Ketentuan 2.Provisions 3. Pengangkatan dan Pemberhentian 3. Appointment and Dismissal 4. Tugas dan Tanggung Jawab 4. Duties and Responsibilities 5.Kewenangan 5.Authorities 6. Masa Tugas 6. Term of Office 7. Kode Etik 7. Code of Conduct 8.Kewajiban 8.Obligations 9. Tata Cara dan Prosedur Kerja 9. Working Procedures 10. Ketentuan Rapat 10.Meeting Provisions 11. Masa Berlaku 11.Period of the Charter Tugas dan Tanggung jawab Duties and Responsibilities Komite Remunerasi dan Nominasi bertanggung jawab Nomination and Remuneration Committee is responsible kepada Dewan Komisaris terkait melakukan kontrol dan to the Board of Commissioners concerning control and pengkajian proses transparansi remunerasi dan nominasi review of transparency of nomination and remuneration 426 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement terhadap anggota Direksi dan anggota Dewan Komisaris, process to the members of the Board of Directors and mengidentifikasi hal-hal yang memerlukan perhatian Dewan Board of Commissioners, identification matters that require Komisaris, dan memberikan rekomendasi kepada Dewan attention from the Board of Commissioners, and provides Komisaris, Tugas dan Tanggung Jawab Komite Remunerasi recommendation to the Board of Commissioners. Duties and dan Nominasi antara lain meliputi namun tidak terbatas pada: responsibilities of Nomination and Remuneration Committee are, but not limited to: • Terkait kebijakan remunerasi : 1) Melakukan evaluasi terhadap kebijakan remunerasi, yaitu: i. Kinerja keuangan perusahaan dan pemenuhan cadangan sebagaimana diatur dalam peraturan perundang-undangan yang berlaku; • Concerning remuneration policies: 1) Evaluating the remuneration policies, namely: i. The Company’s financial performance and fulfillment of reserves as regulated in the prevailing laws and regulations; ii. Individual performance; ii. Prestasi kerja individual; iii. Fairness in peer group; and iii. Kewajaran dengan peer group; dan iv. Consideration of bank’s long-term strategies and iv. Pertimbangan sasaran dan strategi jangka panjang goals. bank. 2) Memberikan rekomendasi kepada Dewan Komisaris 2) Providing recommendation to the Board of mengenai : Commissioners on: i. Kebijakan, Struktur dan Besaran atas remunerasi i. Policies, structure, and amount of remuneration to untuk disampaikan kepada Rapat Umum Pemegang Saham (“RUPS”); ii. Penilaian kinerja dengan kesesuaian Remunerasi be submitted to General Meeting of Shareholders (“GMS”); ii. Performance assessment in conformity with yang diterima masing-masing anggota Direksi dan/ remuneration received by each member of the atau anggota Dewan Komisaris Board of Directors and/or Board of Commissioners 3) Menyusun struktur, kebijakan dan besaran remunerasi 3) Composing structure, policies, and amount of dan wajib memperhatikan: remuneration and shall concern: i. Remunerasi yang berlaku pada industri sesuai i. Remuneration that prevails in industry in dengan kegiatan usaha Perseroan sejenis dan skala usaha dalam industrinya ii. Tugas, tanggung jawab dan wewenang anggota accordance with similar business activities and business scales in the industry ii. Duties, responsibilities, and authorities of members Direksi dan/atau anggota Dewan Komisaris of the Board of Commissioners are associated with dikaitkan dengan pencapaian tujuan dan kinerja achievement of objective and performance of the perseroan. iii. Target kinerja masing-masing anggota Direksi dan/ atau anggota komisaris Company. iii. Target of performance of each member of the Board of Directors and/or Board of Commissioners iv. Keseimbangan tunjangan antara tetap dan variabel iv. The balance of allowances between permanent and v. Struktur, kebijakan dan besaran Remunerasi v. The concerned structure, policies, and amount of variable sebagaimana dimaksud harus dievaluasi oleh remuneration shall be evaluated by Nomination Komite Remunerasi dan Nominasi paling kurang 1 and Remuneration Committee at least 1 (one) time (satu) kali dalam 1 (satu tahun) in a year. • Terkait dengan kebijakan nominasi : 1) Memberikan rekomendasi kepada Dewan Komisaris • Concerning nomination policies: 1) Providing recommendation to the Board of mengenai kebijakan evaluasi kinerja anggota Direksi Commissioners on policy of evaluation of performance dan/atau anggota Dewan Komisaris. of members of the Board of Directors and/or Board of Commissioners. Annual Report 2015 | PT. BANK SINARMAS Tbk. 427 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report 2) Membantu Dewan Komisaris melakukan penilaian PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis 2) Assisting the Board of Commissioners in assessing the kinerja anggota Direksi dan/atau anggota Dewan performance of members of the Board of Directors Komisaris. and/or Board of Commissioners. 3) Memberikan rekomendasi kepada Dewan komisaris 3) Providing recommendation to the Board of mengenai program pengembangan kemampuan Commissioners on capability development program anggota Direksi dan/atau anggota Dewan Komisaris for members of the Board of Directors and/or Board of Commissioners. 4) Dalam mengidentifikasi, mengkaji dan 4) In identifying, reviewing, and recommending merekomendasikan calon anggota Dewan Komisaris the candidates for members of the Board of dan/atau Direksi, Komite Remunerasi dan Nominasi Commissioners, and/or Board of Directors, Nomination memiliki kewenangan untuk memilih sesuai dengan and Remuneration Committee is authorized to select in kriteria dan prosedur yang telah ditetapkan dalam accordance with criteria and standards that has been peraturan yang berlaku dan kebijakan internal determined in the prevailing regulations and internal Perseroan. 5) Memberikan rekomendasi kepada Dewan Direksi policies. 5) Providing recommendation to the Board of Directors mengenai kebijakan dan kriteria yang dibutuhkan on policies and criteria that are required in nomination dalam proses nominasi. process. 6) Mengidentifikasi, mengkaji dan memberikan 6) Identifying, reviewing, and providing recommendation rekomendasi mengenai calon anggota Dewan on candidates of members of the Board of Komisaris dan/atau Direksi kepada Dewan Komisaris Commissioners and/or Board of Directors to the Board untuk disampaikan kepada Rapat Umum Pemegang of Commissioners to be submitted to the General Saham untuk mendapatkan persetujuan dari Meeting of Shareholders to obtain approval from Pemegang Saham; Shareholders. Memberikan rekomendasi mengenai Pihak Independen Providing recommendation on Independent Party who will yang akan menjadi anggota Komite sebagaimana dimaksud be a Committee member as regulated in Bank Indonesia dalam Peraturan Bank Indonesia mengenai Good Corporate Regulations on Good Corporate Governance. Governance. Wewenang Komite Remuenerasi dan Nominasi Authorities of Nomination and Remuneration Committee Dalam melaksanakan tugasnya, Komite Remunerasi Dan Authorities of Nomination and Remuneration Committee are Nominasi memiliki wewenang sebagai berikut: as follows: 1. Memperoleh dokumen, data, dan informasi tentang 1. Obtaining required documents, data, and information on Perseroan yang diperlukan; 2. Melakukan koordinasi dengan Human Capital Management atau unit kerja lainnya apabila diperlukan; 3. Melakukan kewenangan lain yang diberikan Dewan Komisaris terkait remunerasi dan nominasi. the Company; 2. Performing coordination with Human Capital Management or other work units if necessary; 3. Conducting other authorities that have been delegated by the Board of Commissioners concerning nomination and remuneration. Laporan Singkat Pelaksanaan Tugas Komite Remunerasi Brief Report of Duties Implementation of Remuneration dan Nominasi and Nomination Committee Selama 2015, Komite Remunerasi dan Nominasi telah Throughout 2015, the Remuneration and Nomination melakukan kegiatan serta memberikan rekomendasi- Committe had conducted several activties and gave rekomendasi kepada Dewan Komisaris, antara lain: recommendations to the Board of Commissioners, among others: 1. Action plan Human Capital Recruitment & Admin Support di tahun 2016 428 1. Action plan of Human Capital Recruitment & Admin Support in 2016. Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance 2. Pengimplementasian Program BPJS Kesehatan untuk seluruh karyawan Bank Sinarmas. Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement 2. Implementation of BJPJS Kesehatan program for all Bank Sinarmas’ employees. 3. Perubahan Anggota Komite Remunerasi dan Nominasi. 3. The changes of Remuneration and Nomination 4. Perekrutan karyawan dilakukan sesuai dengan Man Power 4. Employee recruitment had been conducted in accordance membership. Planing dalam RBB tahun 2015. 5. Kajian terhadap struktur organisasi unit kerja yang dirasa belum memenuhi kriteria ideal. 6. Pencalonan calon Anggota Direksi Bank Sinarmas. with Man Power Planning in 2015 RBB. 5. Review of organizational structure of working unit that has not fulfilled ideal criteria. 6. Nomination of Members of Bank Sinarmas’ Board of Directors. Aktivitas Komite Remunerasi dan Nominasi Activities of Remuneration and Nomination Committee Sepanjang 2015, Komite Remunerasi dan Nominasi telah Throughout 2015, the Remuneration and Nomination menyelenggarakan pertemuan sebanyak 5 kali yang dilakukan Committee has held meetings for 5 times every quarter. The setiap triwulan. Dalam pertemuan tersebut dilakukan discussions in the meeting are as follows: pembahasan mengenai hal-hal berikut: a. Fungsi Remunerasi 1. Mengkaji dan mengevaluasi remunerasi BOC dan BOD tahun 2015. a. Remuneration Function 1. Reviewing and evaluating remuneration of Board of Commissioners and Board of Directors in 2015 2. Penerapan Upah Minimum Provinsi. 2. Implementing Provincial Minimum Wage 3. Melakukan kajian terhadap Kenaikan Berkala tahun 3. Reviewing Periodic Increase of salary in 2015 and 2015 dan Pemberian Bonus Tahunan. 4. Melakukan kajian terhadap Perubahan Struktur Annual Bonuses 4. Reviewing the Change of Employee Group structure Golongan Karyawan. 5. Melakukan kajian terhadap Perubahan Komponen 5. Reviewing the change of outsourcing employee wage Upah Karyawan Outsourcing, yang sebelumnya terdiri components, which previously consists of basic salary, dari Gaji Pokok, dibagi menjadi 2 komponen, yaitu Gaji now divided into two components, which are Basic Pokok dan Tunjangan Khusus Golongan A. Salary and Special Allowance for group A. b. Fungsi Nominasi 1. Mengkaji penunjukan kembali keanggotaan Dewan b. Nomination Fuction 1. Reviewing re-appointment of members of the Board Komisaris dan Direksi serta perubahan anggota of Commissioners and Board of Directors as well as Komite. changes in the Committee. 2. Mengkaji rencana penunjukkan Direksi yang akan datang. 3. Mengkaji penunjukan anggota Komisaris Independen yang baru. 4. Mengkaji komposisi Dewan Komisaris dan Direksi. 2. Reviewing the plan of future appointment of Board of Directors. 3. Reviewing the appointment of the new Independent Commissioners. 4. Reviewing the composition of the Board of Commissioners and Board of Directors. 5. Melakukan kajian terhadapstruktur organisasi unit kerja yang dipandang masih belum ideal. 6. Mengkaji rencana pemenuhan SDM 2015 sesuai dengan Man Power Planning (MPP) dalam RBB 2015. 5. Reviewing the organizational structure of working units that is considered not ideal. 6. Reviewing the plan of fulfilling the number of HR in 2015 according to the Man Power Planning in 2015 RBB. Annual Report 2015 | PT. BANK SINARMAS Tbk. 429 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Frekuensi dan Tingkat Kehadiran Rapat Komite Meeting Frequency and Attendance Rate of the Remunerasi dan Nominasi Remuneration and Nomination Committee Komite Remunerasi dan Nominasi telah menyelenggarakan The Remuneration and Nomination Committee has conducted rapat sebanyak 5 kali yang dipimpin oleh ketua yang seluruh meetings for 5 times, which is led by its head, and all of its hasil rapatnya diputuskan berdasarkan musyawarah mufakat meeting decisions are made based on consensus and stated dan dituangkan secara tertulis ke dalam risalah rapat in writing in the minutes of meeting, which is properly serta didokumentasikan dengan baik guna memberikan documented in order to provide recommendations to the rekomendasi kepada Dewan Komisaris. Board of Commissioners. Tabel kehadiran rapat Komite Remunerasi dan Nominasi Table of meeting attendance of the Remuneration and Nomination Committee No Nama / Name Jabatan / Position Frekuensi Kehadiran / Attendance Frequency Ketua / Head 5/5 1 Rusmin 2 Tjendrawati Widjaja Anggota / Member 5/5 3 Wahyu Zaenie Anggota / Member 5/5 Tabel agenda rapat Komite Remunerasi dan Nominasi Table of meeting agenda of Nomination and Remuneration Committee Komite Remunerasi & Nominasi / Nomination and Remuneration Committee Tanggal / Date Rusmin Tjendrawati Widjaja Wahyu R Zaenie 15 Januari 2015 / January 15, 2015 √ √ √ 16 April 2015 / April 16, 2015 √ √ √ 2 Juli 2015 / July 2, 2015 √ √ √ 10 Agustus 2015 / August 10, 2015 √ √ √ 22 Oktober 2015 / October 22, 2015 √ √ √ Agenda Rapat Komite Remunerasi dan Nominasi Meeting Agenda of Nomination and Remuneration Committee Tabel agenda rapat Komite Remunerasi dan Nominasi Table of meeting agenda of Nomination and Remuneration Committee Tanggal / Date Notulen Agenda Rapat / Meeting Agenda 15 Januari 2015 / January 15, 2015 RR No.001/2015/ KRN Struktur organisasi jumlah karyawan di cabang dan unit kerja KPNO periode bulan Juli 2014 - Desember 2014 / Organization structure of total employees in branch office and KPNO work unit for the period of July 2014 to December 2014 Tindaklanjut atas rekomendasi Komite Remunerasi dan Nominasi Triwulan III2014 yang masih pending dan kendalanya / Follow-up of recommendation of Nomination and Remuneration Committee for Quarter III-2014 that still pending. Mempresentasikan Laporan HCM terkait Personnel Service, Benefit & Admin, Industrial Relation, dan Recruitment / Presenting the HCM Report related to Personnel Benefit & Admin, Industrial Relation, and Recruitment Update POJK No.34-POJK.04-2014 perihal Komite Remunerasi dan Nominasi untuk memperbaharui Piagam KRN / Update of POJK No.34-POJK.04-2014 on Nomination and Remuneration Committee to update the Nomination and Remuneration Committee Charter 430 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggal / Date Notulen April 2015 / April, 2015 RR No.002/2015/ KRN Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Agenda Rapat / Meeting Agenda Aktivitas kerja Department Recruitment Triwulan I - 2015 / Recruitment Department Activities of Quarter I - 2015 Aktivitas kerja Department People Development Triwulan I - 2015 / People Development Department Activities of Quarter I - 2015 Aktivitas kerja Department HR-Operations Triwulan I - 2015 / HR-Operations Department Activities of Quarter I - 2015 Aktivitas kerja Department Organizational Development Triwulan I - 2015 / Organizational Development Department Activities of Quarter I - 2015 Pemberian jasa produksi Dewan Komisaris dan Dewan Direksi tahun 2014 / Production service provision for the Board of Commissioners and Board of Directors year 2014 Pemberian jasa produksi karyawan PT. Bank Sinarmas Tbk. tahun 2014 / Production service provision for employees of PT. Bank Sinarmas Tbk. year 2014 Juli 2015 / July, 2015 RR No.003/2015/ KRN Pencalonan saudara Rusmin sebagai Komisaris Independen PT. Bank Sinarmas Tbk. / Nomination of Mr. Rusmin as Independent Commissioner of PT. Bank Sinarmas Tbk. Tindaklanjut meeting KRN triwulan I/2015 / Follow-up of Nomination and Remuneration Committee meeting of quarter I/2015 Pembahasan kenaikan upah/gaji karyawan PT. Bank Sinarmas Tbk. tahun 2015 / Discussion on salary increase of PT Banks Sinarmas Tbk. employees year 2015 Program kerja KRN mengenai peran Dewan Komisaris dalam melakukan penilaian kinerja anggota Direksi dan/atau anggota Dewan Komisaris / Nomination and Remuneration Committee work program concerning roles of the Board of Commissioners in evaluating the performance of members of the Board of Directors and/or Board of Commissioners Evaluasi Komposisi karyawan PT. Bank Sinarmas Tbk. / Evaluation of employee composition of PT. Bank Sinarmas Tbk. 10 Agustus 2015 / August 10, 2015 RR No.004/2015/ KRN Pihak Independen / Independent Party 22 Oktober 2015 / October 22, 2015 RR No.005/2015/ KRN Tindaklanjut meeting KRN triwulan II/2015 / Follow-up of Nomination and Remuneration Committee meeting of quarter II/2015 Upah Sundulan / Wage Man Power Planning (MPP) Tahun 2016 / Man Power Planning (MPP) Year 2016 Proyeksi Biaya Tenaga Kerja Tahun 2016/ Projection for Employee Costs Year 2016 Talent Management / Talent Management Rekomendasi Komite Remunerasi dan Nominasi Kepada Recommendation from Nomination and Remuneration Dewan Komisaris Committee to the Board of Commissioners Sesuai dengan Piagam Komite Remunerasi Dan Nominasi Pursuant to Nomination and Remuneration Committee tertanggal 7 Mei 2015, salah satu tugas Komite Pemantau Charter dated May 7, 2015, one of duties of Nomination Risiko adalah memberikan rekomendasi kepada Dewan and Remuneration Committee is to provide recommendation komisaris terkait dengan kontrol dan pengkajian terhadap to the Board of Commissioners concerning control and proses transparansi remunerasi dan nominasi terhadap review of transparency of nomination and remuneration anggota Direksi dan anggota Dewan Komisaris. process to members of the Board of Directors and Board of Commissioners. Annual Report 2015 | PT. BANK SINARMAS Tbk. 431 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Tabel rekomendasi Komite Remunerasi dan Nominasi kepada Table of recommendation from Nomination and Remuneration Dewan Komisaris Committee to the Board of Commissioners Tanggal / Dated No. Memo Perihal / Topic M.001/2015/PRESKOM-KRN Memo rekomendasi hasil pertemuan Komite Remunerasi dan Nominasi Triwulan IV/2014 pada tanggal 15 Januari 2015 / Memo of recommendation from the meeting of Nomination and Remuneration Committee of Quarter IV/2014 on January 15, 2015 M.015/2015/PRESKOM-KRN Memo rekomendasi hasil pertemuan Komite Remunerasi dan Nominasi Triwulan I/2015 pada tanggal 16 April 2015 / Memo of recommendation from the meeting of Nomination and Remuneration Committee of Quarter I/2014 on April 16, 2015 22 Juli 2015 / July 22, 2015 M.021/2015/PRESKOM-KRN Memo rekomendasi hasil pertemuan Komite Remunerasi dan Nominasi Triwulan II/2015 pada tanggal 2 Juli 2015 / Memo of recommendation from the meeting of Nomination and Remuneration Committee of Quarter II/2014 on July 2, 2015 12 Agustus 2015 / August 12, 2015 M.023A/2015/PRESKOMKRN 22 Januari 2015 / January 22, 2015 4 Mei 2015 / May 4, 2015 22 Oktober 2015 / October 22, 2015 M.027/2015/PRESKOM-KRN Memo rekomendasi hasil pertemuan Komite Remunerasi dan Nominasi tanggal 10 Agustus 2015 / Memo of recommendation from the meeting of Nomination and Remuneration Committee on August 10, 2015 Memo rekomendasi hasil pertemuan Komite Remunerasi dan Nominasi Triwulan III/2015 pada tanggal 22 Oktober 2015 / Memo of recommendation from the meeting of Nomination and Remuneration Committee of Quarter III/2015 on October 22, 2015 KOMITE TATA KELOLA TERINTEGRASI Integrated Good Corporate Governance Committee Dasar Hukum Establishment and Membership of Integrated Pembentukan Komite Tata Kelola Terintegrasi di Bank Governance Committee Sinarmas mengacu pada beberapa peraturan sebagai berikut: Bank Sinarmas established Governance Committee 1. Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2014 based on OJK Regulation No.18/POJK.03/2014 on The tentang Penerapan Tata Kelola Terintegrasi bagi Implementation of Integrated Governance for Financial Konglomerasi Keuangan Conglomerates. It regulates the number and composition 2. Peraturan Otoritas Jasa Keuangan No. 17/POJK.03/2014 of Independent Commissioner that becomes member of tentang Penerapan Manajemen Risiko Terintegrasi bagi Integrated Governance Committee. Membership of Integrated Konglomerasi Keuangan Governance Committee in Bank Sinarmas is adjusted to the 3. Berdasarkan Surat Otoritas Jasa Keuangan No. S-95/ needs of Financial Conglomerates as well as efficiency and PB.33/2015 tanggal 6 Oktober 2015 tentang Penetapan effectiveness of implementation of Integrated Governance PT. Bank Sinarmas Tbk. sebagai Entitas Utama Grup Committee duties by taking into account at least the Sinarmas maka Dewan Komisaris Entitas Utama representation of each financial service sector. Membership membentuk Komite Tata Kelola Terintegrasi guna of Integrated Governance Committee can be in the form of mendukung efektivitas pelaksanaan tugas Dewan permanent and non-permanent membership, aligned to the Komisaris Entitas Utama terkait dengan pelaksanaan needs of Financial Conglomerates. Tingkat Kesehatan Terintegrasi. 432 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Timeline Penerapan Tata Kelola Terintegrasi Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Pursuant to the aforementioned provisions and regulations, membership of Integrated Governance Committee is at least: 19 November 2014 5 Oktober 2015 25 Mei 2015 No. 30 November 2015 Tanggal / Dated 2 Desember 2015 27 Januari 2016 15 Februari 2016 15 April 2016 Keterangan / Description 1 19 November 2014 POJK No. 18/POJK.03/2014 tentang Penerapan Tata Kelola Terintegrasi bagi Konglomerasi Keuangan 2 25 Mei 2015 SE OJK No. 15/SEOJK.03/2015 mengenai Parameter Penilaian TKT 3 5 Oktober 2015 Penetapan PT. Bank Sinarmas Tbk. sebagai Entitas Utama Grup Sinarmas (Surat OJK No : S -95/PB.33/2015) 4 30 November 2015 Pembentukan Komite TKT serta Penetapan SKKT, SKAIT dan SKMRT - Komite TKT (SK No : 004/2015/DIRUT – EU) - SKKT (SK No :005/2015/DIRUT – EU) - SKAIT (SK No : 006/2015/DIRUT – EU) - SKMRT (SK No : 007/2015/DIRUT – EU) 5 2 Desember 2015 Persetujuan Direksi dan Komisaris Entitas Utama atas dokumen Tata Kelola Terintegrasi 6 27 Januari 2016 Informasi Anggota Konglomerasi Keuangan Sinar Mas Financial Services (SKL No : 001/I/2016/DIR-EU) 7 15 Februari 2016 Penyampaian Self Assessment TKT Semester II – 2015 8 15 April 2016 Penyampaian Laporan Tahunan Pelaksanaan TKT Pembentukan dan Keanggotaan Komite Tata Kelola Establishment and Membership of Integrated Terintegrasi Governance Committee Bank Sinarmas membentuk Komite Tata Kelola berdasarkan Bank Sinarmas established Governance Committee Peraturan OJK Nomor 18/POJK.03/2014 tentang Penerapan pursuant to OJK Regulation No. 18/POJK.03/2014 on The Tata Kelola Terintegrasi Bagi Konglomerasi Keuangan. Implementation of Integrated Governance For Financial Peraturan tersebut mengatur mengenai jumlah dan komposisi Conglomerates. The regulation governs the total and Komisaris Independen yang menjadi anggota Komite composition of Independent Commissioner that becomes Tata Kelola Terintegrasi. Keanggotaan Komite Tata Kelola member of Integrated Governance Committee. Integrated Terintegrasi di Bank Sinarmas disesuaikan dengan kebutuhan Governance Committee Membership in Bank Sinarmas Konglomerasi Keuangan serta efisiensi dan efektivitas is adjusted to the needs of Financial Conglomerates and pelaksanaan tugas Komite Tata Kelola Terintegrasi dengan efficiency and effectiveness of the implementation of duties memperhatikan paling sedikit keterwakilan masing-masing of Integrated Governance Committee by taking into account sektor jasa keuangan. Keanggotaan Komite Tata Kelola at least the representation of each financial service sector. Terintegrasi dapat berupa keanggotaan tetap dan tidak tetap Integrated Governance Committee Membership can be disesuaikan dengan kebutuhan Konglomerasi Keuangan. permanent or non-permanent, adjusted to the needs of Financial Conglomerates. Annual Report 2015 | PT. BANK SINARMAS Tbk. 433 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis PROFIL PERUSAHAAN Company Profile Berdasarkan pada ketentuan dan peraturan tersebut di atas, Pursuant to provision and regulation above, membership of keanggotaan Komite Tata Kelola Terintegrasi paling sedikit Integrated Governance Committee is at least consists of: terdiri dari: a) Seorang Komisaris Independen yang menjadi Ketua pada a) An Independent Commissioner who is a Chairman of salah satu komite pada Bank Sinarmas, sebagai ketua one of committees in Bank Sinarmas, as chairman and merangkap anggota. member. b) Komisaris Independen yang mewakili dan ditunjuk dari b) An Independent Commissioner who represents and is Perusahaan Anak dalam Konglomerasi Keuangan, sebagai appointed from Subsidiary in Financial Conglomerates, as anggota. a member. c) Seorang pihak independen, sebagai anggota. c) An independent party, as a member. d) Anggota Dewan Pengawas Syariah dari Perusahaan Anak, d) Member of Sharia Supervisory Board from Subsidiary, as a sebagai anggota. member. Tabel anggota Komite Tata Kelola Terintegrasi No. Table of member of Integrated Governance Committee Nama / Name Jabatan / Position in Integrated Governance Committee Sebagai / Position in the Company 1 Sammy Kristamuljana Komisaris Entitas Utama / Commissioner in Main Entity Ketua / Head 2 Ketut Sanjaya Pihak Independen Entitas Utama / Independent Party in Main Entity Anggota / Member 3 Ahmadi Sukarno Dewan Pengawas Syariah Entitas Utama / Sharia Supervisory Board in Main Entity Anggota / Member 4 Sinarta Ginardi Komisaris Independen Asuransi Sinar Mas / ndependent Commissioner of Asuransi Sinar Mas Anggota / Member 5 Petrus Kiki Andries Komisaris Independen Asuransi Sinar Mas / Independent Commissioner of Asuransi Sinar Mas Anggota / Member 6 M.Taofiq Ridlo Dewan Pengawas Syariah Asuransi Sinar Mas / Sharia Supervisory Board of Asuransi Sinar Mas Anggota / Member 7 Sidharta Akmam Komisaris Independen Asuransi Jiwa Sinarmas MSIG / Independent Commissioner of Asuransi Jiwa Sinarmas MSIG Anggota / Member 8 Aditiawan Chandra Komisaris Independen Asuransi Simas Jiwa / Independent Commissioner of Asuransi Simas Jiwa Anggota / Member 9 Chandra Setiawan Komisaris Independen Asuransi Simas Net / Independent Commissioner of Asuransi Simas Net Anggota / Member 10 Mulabasa Hutabarat Komisaris AB Simas Finance / Commissioner of AB Simas Finance Anggota / Member Independensi Komite Tata Kelola Terintegrasi Independency of Integrated Governance Committee Tabel independensi anggota Komite Tata Kelola Terintegrasi Table of independency of member of Integrated Governance Committee Nama / Name Kriteria Independensi / Criteria of Independency Status 1 2 3 4 5 6 7 Sammy Kristamuljana √ √ √ √ √ √ √ Independen Ketut Sanjaya √ √ √ √ √ √ √ Independen Ahmadi Sukarno √ √ √ √ √ √ √ Independen Sinarta Ginardi √ √ √ √ √ √ √ Independen 434 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units Nama / Name TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Kriteria Independensi / Criteria of Independency Status 1 2 3 4 5 6 7 Petrus Kiki Andries √ √ √ √ √ √ √ Independen M.Taofiq Ridlo √ √ √ √ √ √ √ Independen Sidharta Akmam √ √ √ √ √ √ √ Independen Aditiawan Chandra √ √ √ √ √ √ √ Independen Chandra Setiawan √ √ √ √ √ √ √ Independen Mulabasa Hutabarat √ √ √ √ √ √ √ Independen Keterangan: Description: 1. Bukan Anggota Manajemen 1. Not a Member of Management. 2. Bebas dari hubungan usaha dan hubungan lainnya yang 2. Free from business relations and other relations that can dapat mempengaruhi keputusan 3. Bukan pemegang saham mayoritas atau pegawai yang berhubungan langsung dengan pemegang saham affect decisions. 3. Not a majority shareholders or employee that directly contacts with majority shareholders. mayoritas. 4. Bukan pegawai atau pernah bekerja sebagai eksekutif 4. Not an employee or have worked as an executive in the pada perusahaan atau anggota perusahaan afiliasi Company or member of affiliated companies at least 3 setidaknya 3 (tiga) tahun sebelum menjadi anggota (three) years prior to become Committee member. Komite. 5. Bukan penasihat atau konsultan utama profesional yang 5. Not an adviser or professional main consultant that is material bagi perusahaan atau perusahaan afiliasi atau material for the Company or affiliated companies or pegawai yang beruhubungan langsung dengan penyedia employee that directly contacts with service provider, at jasa, setidaknya 3 (tiga) tahun sebelum menjadi anggota least 3 (three) years prior to become Committee member. Komite. 6. Bukan pemasok atau pelanggan utama dari perusahaan 6. Not a supplier or main customer of the Company or atau perusahaan afiliasi atau pegawai dari/atau yang affiliated companies or employee of/or directly or indirectly berhubungan langsung atau tidak langsung dengan contacts the supplier or main customer. pemasok atau pelanggan utama. 7. Tidak memiliki hubungan perjanjian dengan perusahaan atau perusahaan afiliasi alinnya sebagai Direksi. 7. Does not have agreement relations with the Company or other affiliated companies as Board of Directors. Pedoman Komite Tata Kelola Terintegrasi Integrated Governance Committee Charter Dalam melaksanakan fungsi dan perannya, KomiteTata In implementing its functions and roles, Integrated Kelola Terintegrasi Bank Sinarmas telah dilengkapi dengan Governance Committee of Bank Sinarmas is equipped with pedoman tata kelola terintegrasi yang terdiri dari kerangka integrated governance guideline which consists of governance tata kelola bagi entitas utama dan kerangka tata kelola bagi framework for the main entity and governance framework for konglomerasi keuangan. financial conglomerates. 1. Kerangka Pedoman Tata Kelola Perusahaan bagi Entitas 1. Corporate Governance Guideline Framework for Main Entity Utama No Kerangka TKT Entitas Utama / Integrated Corporate Governance Framework of the Main Entity 1 Persayaratan Direksi dan Dewan Komisaris / Requirements for the Board of Directors and Board of Commissioners 2 Tugas dan Tanggung Jawab Direksi dan Komisaris / Duties and Responsibilities of the Board of Directors and Board of Commissioners Annual Report 2015 | PT. BANK SINARMAS Tbk. 435 KILAS KINERJA 2015 Flashback Performance of 2015 No LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Kerangka TKT Entitas Utama / Integrated Corporate Governance Framework of the Main Entity 3 Tugas dan Tanggung Jawab Komite Tata Kelola Terintegrasi / Duties and Responsibilities of Integrated Governance Committee 4 Tugas dan Tanggung Jawab Satuan Kerja Kepatuhan Terintegrasi (SKKT) / Duties and Responsibilities of Integrated Compliance Unit (SKKT) 5 Tugas dan Tanggung Jawab Satuan Kerja Audit Intern Terintegrasi (SKAIT) / Duties and Responsibilities of Integrated Internal Audit Unit (SKAIT) 6 Penerapan Manajemen Risiko Terintegrasi / Implementation of Integrated Risk Management 2. Kerangka Pedoman Tata Kelola Perusahaan bagi anggota Konglomerasi Keuangan 2. Corporate Governance Guideline Framework for members of Financial Conglomerates Kerangka TKT Lembaga Jasa Keuangan (Anggota Konglomerasi Keuangan) / Integrated Corporate Governance Framework of Financial Service Institutions (Member of Financial Conglomerates) No 1 Persayaratan Direksi dan Dewan Komisaris / Requirements for the Board of Directors and Board of Commissioners 2 Persayaratan Anggota Dewan Pengawas Syariah / Requirements for Member of Sharia Supervisory Board 3 Struktur Direksi dan Dewan Komisaris / Structure of the Board of the Board of Directors and Board of Commissioners 4 Struktur Dewan Pengawas Syariah (DPS) / Structure of Sharia Supervisory Board (DPS) 5 Independensi Dewan Komisaris / Independency of the Board of Commissioners 6 Pelaksanaan Fungsi Pengurusan oleh Direksi / Implementation of Management Function by the Board of Directors 7 Pelaksanaan Fungsi Pengawasan oleh Dewan Komisaris / Implementation of Supervisory Function by the Board of Commissioners 8 Pelaksanaan Fungsi Pengawasan oleh Dewan Pengawas Syariah / Implementation of Supervisory Function of Sharia Supervisory Board 9 Pelaksanaan Fungsi Kepatuhan, Fungsi Audit Intern dan Pelaksanaan Audit Ekstern / Implementation of Compliance Function, Internal Audit Function and Implementation of External Audit 10 Penerapan Fungsi Manajemen Risiko / Implementation of Risk Management Function 11 Kebijakan Remunerasi / Remuneration Policy 12 Pengelolaan Benturan Kepentingan / Conflict of Interest Management Tugas, Wewenang, dan Tanggung Jawab Komite Tata Duties, Authorities, and Responsibilities of Integrated Kelola Terintegrasi Governance Committee Tugas, wewenang, dan tanggung jawab Komite Tata Kelola Duties, authorities, and responsibilities of Integrated Terintegrasi sebagai berikut: Governance Committee are as follows: 1. Mengevaluasi pelaksanaan tata kelola terintegrasi melalui 1. Evaluating the implementation of integrated governance penilaian: through assessment. a) Kecukupan Pengendalian Internal Terintegrasi a) Adequacy of Integrated Internal Control 1) Melakukan evaluasi bahwa Bank Sinarmas 1) Evaluating that Bank Sinarmas and Subsidiaries dan Perusahaan Anak telah memiliki sistem possesses standard integrated internal control pengendalian internal (internal control system) system in line with the best practice that prevails terintegrasi yang baku sesuai dengan praktek through review of Integrated Governance Guideline terbaik (best practice) yang berlaku melalui kajian within Bank Sinarmas. atas Pedoman Tata Kelola Terintegrasi yang diberlakukan di Bank Sinarmas . 436 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance 2) Melakukan pemantauan dan evaluasi mengenai Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement 2) Monitoring and evaluating the effectiveness of efektivitas penerapan pengendalian internal integrated internal control implementation through terintegrasi melalui kajian atas Laporan Berkala review of Periodic Report and Report of Evaluation dan Laporan Hasil Pemeriksaan yang dikeluarkan Result that are issued by Integrated Internal Audit Satuan Kerja Audit Intern Terintegrasi. Work Unit. 3) Melakukan pertemuan berkala dengan Satuan 3) Conducting periodic meeting with Integrated Kerja Audit Intern Terintegrasi untuk membahas Internal Audit Work Unit to discuss matters hal-hal terkait dengan sistem pengendalian internal related to integrated control system and the terintegrasi dan pelaksanaannya. implementation. 4) Melakukan pemantauan dan mengevaluasi 4) Monitoring and evaluating the follow-up by pelaksanaan tindak lanjut oleh Direksi Bank the Board of Directors of Bank Sinarmas and Sinarmas dan Perusahaan Anak atas hasil temuan Subsidiaries on Integrated Internal Audit Work Unit Satuan Kerja Audit Intern Terintegrasi, Kantor findings, Public Accounting Firm, and supervisory Akuntan Publik, dan hasil pengawasan Otoritas result from Financial Services Authority concerning Jasa Keuangan mengenai kelemahan pada sistem weakness in system and implementation of dan pelaksanaan pengendalian internal terintegrasi integrated internal control. 5) Melaporkan secara berkala atas hasil pemantauan 5) Reporting periodically the monitoring results and dan memberi masukan atas hal-hal terkait providing inputs on matters related to integrated pengendalian internal terintegrasi yang perlu internal control that requires attention from the menjadi perhatian Dewan Komisaris Bank Sinarmas Board of Commissioners of Bank Sinarmas and dan Perusahaan Anak. Subsidiaries. b) Pelaksanaan Fungsi Kepatuhan Secara Terintegrasi b) Implementation of Integrated Compliance Function 1) Melakukan pemantauan dan evaluasi atas 1) Monitoring and evaluating the compliance of kepatuhan Bank Sinarmas dan Perusahaan Anak Bank Sinarmas and Subsidiaries with laws and terhadap peraturan perundang - undangan yang regulations that prevail in Capital Market, as well berlaku di bidang Pasar Modal serta peraturan as Financial Services Authority, Bank Indonesia Otoritas Jasa Keuangan, Bank Indonesia dan regulations and other regulations related to peraturan lainnya yang terkait dengan usaha banking, insurance, securities, and financing perbankan, asuransi, sekuritas dan pembiayaan business through coordination with Integrated melalui koordinasi dengan Satuan Kerja Kepatuhan Compliance Work Unit. Terintegrasi. 2) Mempelajari laporan berkala dan laporan hasil 2) Studying the periodic report and report of pemeriksaan yang terkait dengan kepatuhan evaluation result that relates to compliance terhadap peraturan intern dan ekstern yang with internal and external regulations issued by dikeluarkan oleh Satuan Kerja Kepatuhan Integrated Compliance Work Unit and external Terintegrasi dan auditor ektern. 3) Melakukan pertemuan berkala dengan Satuan auditor. 3) Conducting periodic meeting with Integrated Kerja Kepatuhan Terintegrasi untuk membahas hal- Compliance Work Unit to discuss matters related hal yang terkait dengan kepatuhan Bank Sinarmas to compliance of Banks Sinarmas and Subsidiaries dan Perusahaan Anak terhadap peraturan intern with internal and external regulations. dan ekstern. 4) Melakukan pemantauan dan mengevaluasi 4) Monitoring and evaluating the follow-up by pelaksanaan tindak lanjut oleh Direksi Bank the Board of Directors of Bank Sinarmas and Sinarmas dan Perusahaan Anak atas hasil temuan Subsidiaries on the findings of Integrated Satuan Kerja Kepatuhan Terintegrasi, Kantor Compliance Work Unit, Public Accounting Akuntan Publik, dan hasil pengawasan Otoritas Firm, and result of supervision by Financial Jasa Keuangan mengenai kelemahan pada sistem Services Authority on weakness of system and dan pelaksanaan fungsi kepatuhan terintegrasi. implementation of integrated compliance function. Annual Report 2015 | PT. BANK SINARMAS Tbk. 437 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis 5) Melaporkan secara berkala atas hasil pemantauan 5) Reporting periodically the result of monitoring and dan memberi masukan atas hal-hal terkait dengan providing inputs on matters related to compliance kepatuhan Bank Sinarmas dan Perusahaan Anak of Bank Sinarmas and Subsidiaries with internal terhadap peraturan intern dan ekstern yang perlu and external regulations that require attention from menjadi perhatian Dewan Komisaris Bank Sinarmas the Board of Commissioners of Bank Sinarmas and dan Perusahaan Anak. Subsidiaries. 2. Memberikan rekomendasi kepada Dewan Komisaris untuk menyempurnakan pedoman tata kelola terintegrasi. Pelaksanaan Tugas Komite Tata Kelola Terintegrasi 2. Providing recommendation to the Board of Commissioners to improve the integrated governance guideline. Implementation of Integrated Governance Committee Duties Komite bertanggung jawab kepada Dewan Komisaris dan This committee is responsible to the Board of Commissioners wajib menyampaikan laporan kepada Dewan Komisaris and shall submit report to the Board of Commissioners for atas setiap pelaksanaan tugas, disertai dengan rekomendasi every duties implementation, equipped with recommendation jika diperlukan baik triwulanan maupun tahunan serta if required, both quarterly and annually, and is signed by ditandatangani oleh Ketua Komite dan anggota Komite. Chairman and member of the Committee. During 2015, Selama tahun 2015, Komite Tata Kelola Terintegrasi telah Integrated Governance Committee has discussed and membahas dan menetapkan hal-hal terkait: determined the following matters:x No Tanggal / Dated 4 Februari 2016 / February 4, 2016 1 Peserta Rapat / Meeting Participant Judul Rapat / Meeting Title Rapat semester II Komite Tata Kelola Terintegrasi / Semester II Meeting of Integrated Governance Committee 1. Sammy Kirstamuljana 2. Ketut Sanjaya 3. Ahmadi Sukarno 4. Petrus Kiki Andries 5. M. Taoufiq Ridlo 6. Sidharta Akmam 7. Adityawan Chandra 8. Ahmad Nuryadi Asmawi 9. Chandra Setiawan 10.Mulabasa Hutabarat Laporan Self Assessment Pelaksanaan Tata Kelola Report of Implemented Integrated Governance Terintegrasi Committee Duties Hasil Self Assessment Pelaksanaan Tata Kelola Terintegrasi Result of Self-Assessment of the Implementation of Integrated Governance Peringkat / Rating Definisi Peingkat / Rating Definition 2 Konglomarasi keuangan dinilai telah melakukan penerapan tata kelola terintegrasi yang secara umum baik. Hal ini tercermin dari pemenuhan yang memadai atas penerapan prinsip tata kelola teritegrasi. Apabila terdapat kelemahan dalam penerapan tata kelola terintegrasi, secar umum kelemahan tersebut kurang signifikan dan dapat diselesaikan dengan tindakan normal baik oleh Entitas Utama maupun Lembaga Jasa Keuangan (LJK) anggota konglomerasi keuangan / Financial conglomerates has carried out the integrated corporate governance in a well manner in general. This is reflected in the compliance with the implementation of integrated corporate governance. If there is any weakness in the implementation, the weakness is considered not significant and can be finished by normal action, both by the Main Entity and Financial Service Institution (LIK), member of financial conglomerates. 438 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility KOMITE-KOMITE DI BAWAH DIREKSI Laporan Keuangan Konsolidasi Consolidated Financial Statement COMMITTEES UNDER BOARD OF DIRECTORS Komite-Komite Di Bawah Dewan Direksi Committees under the Directors ASSET & LIABILITY MANAGEMENT COMMITTEE (ALCO) KOMITE KREDIT / Credit Committee KOMITE INFORMATION TECHNOLOGY / Information Technology Committee KOMITE MANAJEMEN RISIKO / Risk Management Committee KOMITE HUMAN CAPITAL MANAGEMENT (HCM) / Human Capital Management (HCM) Committee ASSET & LIABILITY MANAGEMENT COMMITTEE ASSET & LIABILITY MANAGEMENT COMMITTEE Asset & Liability Management Committee (ALCO) merupakan Asset & Liability Management Committee (ALCO) is a komite di bawah Direksi dengan misi mencapai tingkat committee under Board of Directors with mission of achieving profitabilitas Perseroan yang optimal serta risiko likuiditas, the Company’s optimum profitability level along with liquidity risiko suku bunga, dan risiko valuta asing yang terkendali, risk, interest rate risk, and controlled foreign exchange risk, melalui penetapan kebijakan dan strategi aset dan pasiva through the determination of policies and strategies upon Perseroan (assets and liabilities management). 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. • Determining investment and funding strategy. • Menetapkan strategi hedging apabila dipandang perlu • Determining hedging strategy if needed. melakukan hedging. • Menetapkan limit yang berkaitan dengan risiko likuiditas, risiko suku bunga, dan risiko valuta asing sesuai kebijakan • Determining the related limit towards liquidity risk, interest rate risk, and foreign exchange risk according to the overall risk taken policies. pengambilan risiko secara keseluruhan. Wewenang Komite berada pada Rapat Komite yang sah dan Committee authorities belong to the legal Committee Meeting memiliki kekuatan penuh atas tanggung jawab Direksi. Komite and hold an absolute authority on the responsibilities of Board mempunyai wewenang untuk mengambil keputusan strategis of Directors. The Committee owns authorities to take strategic di bidang pengelolaan aset dan pasiva Perseroan (assets and decisions in the Company’s asset and liabilities management liabilities management) sejauh tidak melampaui wewenang as long as it does not exceed the authorities of Board of Direksi, seperti: 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. • Determining investment and funding strategy. • Menetapkan strategi hedging apabila dipandang perlu • Determining hedging strategy if needed. melakukan hedging. Annual Report 2015 | PT. BANK SINARMAS Tbk. 439 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report • Menetapkan limit yang berkaitan dengan risiko likuiditas, PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis • Determining the related limit towards liquidity risk, interest risiko suku bunga, dan risiko valuta asing sesuai kebijakan rate risk, and foreign exchange risk according to the pengambilan risiko secarakeseluruhan overall risk taken policies. Selama 2015, ALCO telah menyelenggarakan 12 kali rapat During 2015, ALCO held 12 meetings chaired by the Head yang dipimpin oleh ketua yang seluruh hasil rapatnya of Committee in which the decision made by consensus diputuskan berdasarkan musyawarah mufakat dan dituangkan agreement and written in meeting minutes, and well- secara tertulis ke dalam risalah rapat serta didokumentasikan documented to provide recommendations to Board of dengan baik guna memberikan rekomendasi kepada Direksi. Directors. Tabel agenda rapat ALCO Table of ALCO meeting agenda Tanggal / Date Agenda Rapat / Meeting Agenda 20 Januari 23 Februari 23 Maret 23 April 20 Mei 23 Juni 23 Juli Pembahasan Aset, Liabilitas, Likuditas, Income Structure, Cost Structure, Pricing Strategy, Market & Interest Rate Outlook / Discussion on Assets, Liabilities, Income Structure, Cost Structure, Cost Structure, Pricing Strategy, Market & Interest Rate Outlook. 26 Agustus 23 September 21 Oktober 17 November 21 Desember KOMITE KREDIT KORPORASI CORPORATE CREDIT COMMITTEE Berdasarkan Surat Keputusan No. SK 023/2014/DIR6- Based on Decree No. 023/2014/DIR6-CA dated November CA tertanggal 26 November 2014 tentang Susunan dan 26, 2014 regarding the Structure and Authorities of Bank Wewenang Memutus Untuk Komite Kredit Corporate, diatur Sinarmas Credit Committee, the provision and determination ketentuan pemberian dan pemutusan fasilitas, seperti : are as follows: • Kredit baik baru maupun existing, tunai dan non-tunai • New credit, both new and existing, cash and non-cash • Money Market Line • Money Market Line • Forex Line • Forex Line • Back to Back • Back to Back Selama 2015, Komite kredit tidak menyelengarakan rapat During 2015, Credit Committee did not hold meeting in secara fisik, namun seluruh pengambilan keputusan dilakukan person, but decision-making is conducted circularly. secara sirkuler. KOMITE INFORMATION TECHNOLOGY INFORMATION TECHNOLOGY COMMITTEE Komite Information Technology (IT) dibentuk guna Information Technology (IT) Committee is established to memastikan penerapan sistem teknologi informasi sinergi ensure the information technology system implementation is dengan strategi Perseroan. Komite IT bertujuan untuk in line with the Bank’s strategies. IT Committee is designated meningkatkan keunggulan bersaing Perseroan melalui to improve the excellency of Company’s competitiveness pemanfaatan teknologi informasi yang tepat guna. through accurate information technology utilization. 440 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Berdasarkan SK.017/2015/DIR8-IT tanggal 14 Agustus 2015, Pursuant to Decree SK.017/2015/DIRB-IT dated August 14, Komite IT memiliki wewenang dan tanggung jawab untuk 2015, IT Committee has authorities and responsibilities to memberikan rekomendasi kepada Direksi antara lain: provide recommendation to the Board of Directors, namely: • Rencana strategis IT yang sesuai dengan rencana strategis • IT strategic plan that is in accordance with Bank’s business kegiatan usaha Bank. Dalam memberikan rekomendasi, activities strategic plan. In providing recommendation, Komite hendaknya memperhatikan factor efisiensi, the Committee shall takes into account efficiency and efektifitas serta hal-hal sebagai berikut: effectiveness factors, as well as the following matters: a) Rencana pelaksanaan (road map) untuk mencapai a) Road map to fulfill the needs for IT that supports kebutuhan IT yang mendukung Strategis Bisnis Bank. the Bank Business Strategy. The Road Map consists Road map terdiri dari kondisi saat ini (current state), of current state, future state, and steps required to kondisi yang ingin dicapai (future state) serta langkah- achieve future state. langkah yang akan dilakukan untuk mencapai future state. b) Sumber Daya yang dibutuhkan. b) Required Resources c) Keuntungan/manfaat yang akan diperoleh saat c) Benefits/advantages obtained when the plan is being rencana diterapkan • Perumusan Kebijakan dan Prosedur IT yang utama seperti implemented • Formulation of primary IT Procedures and Policies such as kebijakan pengamanan IT dan manajemen risiko terkait policies of IT security and risk management related to IT penggunaan IT di Bank. usage in Bank. • Kesesuaian proyek-proyek IT yang disetujui dengan • Conformity of IT projects that have been approved with IT Rencana Strategis IT. Komite juga menetapkan status Strategic Plan. This committee also determines the status prioritas proyek IT yang bersifat kritikal (berdampak of IT project priority that is critical in nature (significantly signifikan terhadap kegiatan operasional Bank) misalnya impact the Bank’s operational activities) such as changes in pergantian Core Banking application, server production, Core Banking application, server production, and network dan topologi jaringan. topology. • Kesesuaian pelaksanaan proyek-proyek IT dengan rencana • Conformity of IT projects implementation with agreed proyek (project charter) yang disepakati dalam service level project charter in service level agreement. The committee agreement. Komite hendaknya melengkapi rekomendasi shall complete the recommendation with result of analysis dengan hasil analisis dari proyek-proyek IT yang utama from primary IT projects, thus enabling the Board of sehingga memungkinkan direksi mengambil keputusan Directors to make decision efficiently. secara efisien. • Kesesuaian IT dengan kebutuhan sistem informasi manajemen yang mendukung pengelolaan kegiatan usaha Bank. • Efektivitas langkah-langkah minimalisasi risiko atas • Conformity of IT with the needs of management information system that supports the Bank business activities management. • Effectiveness of steps to minimize risks on Bank’s investasi Bank pada sektor IT dan bahwa investasi tersebut investment in IT sector and that the investment provides memberikan kontribusi terhadap tercapainya tujuan bisnis contribution to the achievement of Bank’s business Bank. • Pemantauan atas kinerja IT dan upaya peningkatannya, objective. • Monitoring of IT performance and improvement, for misalnya dengan mendeteksi keuangan IT dan mengukur instance by detecting IT financial and measuring the efektivias dan efisiensi penerapan kebijakan pengamanan effectiveness and efficiency of implementation of IT IT. • Upaya penyelesaian berbagai masalah terkait IT, yang tidak security policies. • Effort to settle various matters related to IT that cannot be dapat diselesaikan oleh satuan kerja pengguna dan satuan settled by user working unit and organizer working unit. kerja penyelenggara. Komite memfasilitasi hubungan The committee facilitates the relations between the two antara kedua satuan kerja tersebut. working units. Annual Report 2015 | PT. BANK SINARMAS Tbk. 441 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report • Kecukupan dan alokasi sumber daya yang dimiliki PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis • Adequacy and allocation of existing resources. If the Bank. Apabila sumber daya yang dimiliki tidak memadai existed resources are not adequate and the Bank uses dan Bank menggunakan jasa pihak lain dalam service from other parties in IT procurement, the IT penyelenggaraan IT maka Komite IT harus memastikan committee shall ensure that the Bank has possessed the Bank telah memiliki kebijakan dan prosedur terkait related policies and procedures. Selama 2015, Komite IT telah menyelenggarakan rapat In 2015, IT Committee held 2 (two) meetings, chaired by sebanyak 2 (dua) kali rapat yang dipimpin oleh ketua yang the Head of Committee in which the decision made by seluruh hasil rapatnya diputuskan berdasarkan musyawarah consensus agreement and written in Meeting Minutes, and mufakat dan dituangkan secara tertulis ke dalam risalah well-documented to provide recommendations to Board of rapat serta didokumentasikan dengan baik guna memberikan Directors. rekomendasi kepada Direksi. Tabel agenda rapat Komite IT Table of IT Committee meeting agenda Tanggal / Date 30 Juli 2015 / July 30, 2015 16 Desember 2015 / December 16, 2015 Agenda Rapat / Meeting Agenda 1. Tata Kelola IT Steering Commitee / IT Steering Committee Governance 2. Testing DRP 2015 (Switchover DC - DRC) / DRP 2015 testing (Switchover DC - DRC) 1. T24 Upgrade 2. Big Data Splunk 3.SmartVista KOMITE MANAJEMEN RISIKO RISK MANAGEMENT COMMITTEE Komite Manajemen Risko merupakan komite yang berada Risk Management Committee is a committee in position on di tingkat eksekutif, yang bertanggung jawab melakukan executive level and is responsible in conducting evaluation on evaluasi terhadap laporan profil risiko, mengevaluasi risk profiles report, evaluates risk methodology and determines metodologi risiko serta menentukan strategi untuk memitigasi strategy to mitigate and control certain risks. dan mengendalikan risiko-risiko tertentu. Berdasarkan Surat Keputusan No. SK.015/2013/PRESDIR- Based on Decree No. 015/2013/PRESDIR-CorpSec dated April CorpSec tanggal 17 April 2013 tentang Perubahan Susunan, 17, 2013, the duties and responsibilities of Risk Management Wewenang dan Tanggung Jawab Komite Manajemen Risiko, Committee are providing recommendations to President wewenang dan tanggung jawabnya adalah melakukan Director related to Risk Management including, at the very evaluasi dan memberikan rekomendasi kepada Direktur Utama least: terkait Manajemen Risiko yang paling kurang meliputi: • Penyusunan kebijakan manajemen risiko serta • Formation of Risk Management policy and its changes, perubahannya, termasuk tingkat risiko yang diambil, including the Risk Management strategy, the level of risk toleransi risiko, strategi manajemen risiko dan contingency taken and risk tolerance, Risk Management frameworks plan apabila terjadi kondisi eksternal tidak normal terjadi. as well as contingency plans to anticipate abnormal Penyusunan dimaksud dilakukan bersama-sama dengan conditions. This formation is aimed to be conducted pimpinan satuan kerja operasional dan pimpinan Satuan altogether with operational work unit leaders and Risk Kerja Manajemen Risiko (SKMR). • Perbaikan atau penyempurnaan penerapan manajemen Management Work Unit (SKMR) head. • Completion of the Risk Management process periodically risiko yang dilakukan secara berkala maupun bersifat and incidental as a result of a change in the Bank’s insidentil sebagai akibat dari suatu perubahan kondisi external and internal conditions affecting the Bank’s capital eksternal dan internal Bank yang mempengaruhi adequacy, risk profile, and evaluation result upon the kecukupan permodalan dan profil risiko Bank dan hasil affectivity of the application. evaluasi terhadap efektifitas penerapan tersebut. 442 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance • Penetapan (justification) atas hal-hal yang terkait Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement • Determination of policies and/or business decisions dengan keputusan-keputusan bisnis yang menyimpang deviating from normal procedures (irregularities), such dari prosedur normal (irregularities), seperti keputusan as decision that exceeds significant business expansion pelampauan ekspansi usaha yang signifikan dibandingkan compared to business plan determined previously or dengan rencana bisnis Bank yang telah ditetapkan position/exposuremaking that exceeds the determined sebelumnya atau pengambilan posisi/eksposur risiko yang limitation. melampaui limit yang telah ditetapkan. Selama 2015, Komite Manajemen Risiko telah During 2015, Risk Management Committee held 4 (four) menyelenggarakan rapat sebanyak 4 (empat) kali rapat yang meetings,, chaired by the Head of Committee in which dipimpin oleh ketua yang seluruh hasil rapatnya diputuskan the decision made by consensus agreement and written berdasarkan musyawarah mufakat dan dituangkan secara in Meeting Minutes, and well-documented to provide tertulis ke dalam risalah rapat serta didokumentasikan dengan recommendations to Board of Directors. baik guna memberikan rekomendasi kepada Direksi. Tabel agenda rapat Komite Manajemen Risiko Tanggal / Date Table of Risk Management Committee meeting agenda Agenda Rapat / Meeting Agenda 19 Januari 2015 / January 19, 2015 Hasil Self Assessment Tingkat Kesehatan Bank Semester II/2014 serta Profil Risiko Bank & UUS Triwulan IV/2014 / Result of Self Assessment of Bank’s Soundness Level for Semester II/2014 and Profile of Risk of Bank Risk & UUS for Quarter IV/2014 11 April 2015 / April 11, 2015 Hasil Self Assessment Profil Risiko Bank dan Profil Risiko UUS Triwulan I/2015 / Result of Self Assessment of Bank Risk Profile and UUS Risk Profile for Quarter I/2015 15 Juli 2015 / July 15, 2015 19 Oktober 2015 / October 19, 2015 Hasil Self Assessment Tingkat Kesehatan Bank Semester I/2015 serta Profil Risiko Bank & UUS Triwulan II/2015 / Result of Self Assessment of Bank’s Soundness Level for Semester I/2015 and Profile of Risk of Bank & UUS for Quarter II/2015 Hasil Self Assessment Profil Risiko Bank & UUS Triwulan III/2015 serta Simulasi Hasil Self Assessment Tingkat Kesehatan Bank Triwulan III/2015 / Result of Self Assessment of Profile of Risk of Bank & UUS for Quarter III/2015 and Simulation of Result of Self Assessment if Bank’s Soundness Level for Quarter III/2015 KOMITE HUMAN CAPITAL MANAGEMENT HUMAN CAPITAL MANAGEMENT COMMITTEE Dasar pembentukan Komite Human Capital Management The foundation of Human Capital Management (HCM) (HCM) adalah berdasarkan Surat Keputusan Direksi No. Committee establishment is based on Decreeof Board of SK.961/2013/DIR6-HCM tanggal 13 Juni 2013 tentang Directors No.SK.961/2013/DIR6-HCM dated June 13, 2013 Susunan dan Wewenang Human Capital Committee, yang regarding the Composition and Authorities of Human diketuai oleh Direktur Utama. Tugas dan tanggung jawab Capital Committee, chaired by President Director. The duties Komite HCM adalah memutuskan promosi, mutasi, demosi, and responsibilities of HCM Committee are to determine untuk karyawan dengan jabatan minimal setara Departement promotion, mutation, demotion, for employees in position at Head. least equal to Department Head. Selama 2015, Komite HCM tidak menyelenggarakan rapat During 2015, HCM Committee did not hold meetings in secara fisik namun seluruh pengambilan keputusan dilakukan person, but decision-making was conducted circularly. secara sirkuler. Annual Report 2015 | PT. BANK SINARMAS Tbk. 443 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis PROFIL PERUSAHAAN Company Profile SATUAN KERJA AUDIT INTERNAL (SKAI) INTERNAL AUDIT UNIT Satuan Kerja Audit Internal (SKAI) merupakan fungsi Internal Audit Unit (SKAI) is an independent function that independen yang bertanggung jawab langsung kepada reports directly to the Managing Director and Board of Direktur Utama dan Dewan Komisaris melalui Komite Audit. Commissioners through the Audit Committee. Internal Audit SKAI juga berfungsi memberikan assurance dan berperan function is to provide assurance and serve as a strategic sebagai strategic business partner bagi semua tingkatan business partner for all levels of management in order to manajemen guna mendorong pencapaian tujuan dan sasaran encourage the achievement of the goals and objectives of Bank dengan melakukan evaluasi berdasarkan risk based audit the bank to evaluate risk based audit independently and secara independen dan objektif, serta jasa konsultasi bagi objectively, as well as consulting services for the internal bank. pihak intern Bank. Struktur Organisasi dan SDM SKAI Internal Audit Unit’s Organization Structure and HR SKAI dipimpin oleh Darwanti Juliastuti Haryo. Kepala SKAI SKAI is led by Darwanti Juliastuti Haryo. Head of Internal Audit diangkat dan diberhentikan oleh Direktur Utama dengan is appointed and dismissed by the Managing Director with the persetujuan Dewan Komisaris/Komite Audit dan dilaporkan approval from Board of Commissioners / Audit Committee and kepada Regulator. reported to the Regulator. Struktur organisasi SKAI Bank Sinarmas dan kedudukannya The organizational structure of Bank Sinarmas’ Internal Audit dapat dilihat pada bagan sebagai berikut: Unit can be seen in the following chart: Group Head Darwanti Juliastuti Retail & Micro Small Credit Risk Audit Div. Head Syafaat Utama S Audit Dev. & Quality Assurance Dept. Head Retail & Micro Small Credit Risk Audit Dept. Head Operational Risk Audit & Special Case Division Head Kanthi Nalarantini Operational Risk Audit & Special Case Department Head Credit Risk Audit Division Head Elizabeth Megawati Branches Coordinator Dept. Head (Regional 1,4,5) Branches Coordinator Dept. Head (Regional 8,11,12) Credit Risk Audit Department Head Branch Coordinator Sect. Head (Regional 6) Branch Coordinator Sect. Head (Regional 7) Retail & Micro Small Credit Risk Audit Sect. Head Audit Dev. & Quality Assurance Sect. Head Operational Risk AuditProduct & Special Case Sect. Head Operational Risk AuditTransaction & Special Case Sect. Head Branches Coordinator Section Head (Regional 1) Branches Coordinator Section Head (Regional 4) Branches Coordinator Section Head (Regional 5) Credit Risk Audit Section Head Branches Coordinator Section Head (Regional 8) Branches Coordinator Section Head (Regional 11) Branch Auditor Branch Auditor Head Office Auditor Head Office Auditor Head Office Auditor Head Office Auditor Branch Auditor Branch Auditor Branch Auditor Head Office Auditor Branch Auditor Branch Auditor 444 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Guna mendukung independensi dan menjamin kelancaran In order to support the independency and ensure proper audit audit serta wewenang dalam memantau tindak lanjut, maka process, as well as the authority to monitor the follow-up Kepala SKAI dapat berkomunikasi langsung dengan Dewan action, the Head of Internal Audit can directly communicate Komisaris atau Komite Audit untuk menginformasikan with the Board of Commissioners or Audit Committee berbagai hal yang berhubungan dengan audit. SKAI telah to inform various matters related to audit. Internal Audit mendapat dukungan dari Manajemen dan Dewan Komisaris has gained support from the Management and the Board sehingga SKAI tidak mendapat hambatan dalam melakukan of Commissioners, thus the Internal Audit does not face pekerjaannya. disruption in conducting its activity. Treasury & International Banking Risk Audit Division Head Femi Anggraini Treasuy & Int’l Banking Risk Audit Department Head APMK, E-channel & IT Risk Audit Division Head Zulkarnaen Branches Coordinator Dept. Head (Regional 3,10,14) APMK, E-channel & IT Risk Audit Department Head Branches Coordinator Dept. Head (Regional 2,9,13) Branches Coordinator Section Head (Regional 12) Treasury & International Banking Risk Audit Sect. Head Syariah Section Head Branches Coordinator Section Head (Regional 3) Branches Coordinator Section Head (Regional 10) Branches Coordinator Section Head (Regional 14) APMK Risk Audit Sect. Hea E-Channel Risk Audit Sect. Head IT Risk Audit Sect. Head Branches Coordinator Section Head (Regional 2) Branches Coordinator Section Head (Regional 9) Branches Coordinator Section Head (Regional 13) Branch Auditor Head Office Auditor Branch Auditor Branch Auditor Branch Auditor Branch Auditor Head Office Auditor Head Office Auditor Head Office Auditor Branch Auditor Branch Auditor Branch Auditor Annual Report 2015 | PT. BANK SINARMAS Tbk. 445 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report Kedudukan dan Hubungan SKAI dalam Organisasi PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Internal Audit’s Position and Relationship In Organization SKAI harus mendapat dukungan dari manajemen dan Dewan Internal Audit Unit shall have the support of management Komisaris agar para auditor dapat memperoleh kerja sama and Board of Commissioners that the auditor can obtain the dari auditee dan melakukan pekerjaan tanpa hambatan. cooperation of the auditee and do the job without a hitch. Kedudukan SKAI dalam organisasi Bank Sinarmas adalah Internal Audit’s position in Bank Sinarmas’ organization is as sebagai berikut : follows: Board of Commissioners Audit Committee President Director Compliance Director SKAI Group Head Profil Darwanti Juliastuti Haryo - Ketua Audit Internal Profile of Darwanti Juliastuti Haryo - Head of Internal Audit Darwanti Juliastuti Haryo Ketua Audit Internal Head of InternalAudit Warga Negara Indonesia, 46 tahun. Menjabat sebagai Indonesian Citizen, 46 years old. She served as head of Kepala Audit Internal sejak 1 Januari 2011 sebagaimana Internal Audit since January 1, 2011 pursuant to Decree of Surat Keputusan PT. Bank Sinarmas Tbk. Nomor PT. Bank Sinarmas Tbk. No. SK.012/2011/PRESDIR-HRM dated SK.012/2011/PRESDIR-HRM tanggal 28 Desember 2010 December 28, 2010 and reported to Bank Indonesia with dan telah dilaporkan kepada Bank Indonesia dengan surat letter No. SKL.002/2011/PRESDIR-CorpSec dated January 3, No.SKL.002/2011/PRESDIR-CorpSec tanggal 3 Januari 2011. 2011. Mengawali karir di Bank Sinarmas mulai 2004 sebagai Divison In 2004, she started her career at Bank Sinarmas as Division Head Satuan Kerja Audit Internal (SKAI) hingga September Head of Internal Audit Work Unit (SKAI) until September 2005 2005, kemudian dilanjutkan sebagai Kepala Grup (Group prior to be appointed as Group Head of Risk Management 446 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Head) Satuan Kerja Manajemen Risiko sejak Oktober 2005 Work Unit from October 2005 up to December 2010. hingga Desember 2010. Meraih gelar Sarjana Ekonomi dari She obtained Bachelor of Economics degree from Faculty Fakultas Ekonomi Universitas Indonesia jurusan Akuntansi of Economics, Accounting major in 1994 and Master of pada 1994 dan Magister Manajemen jurusan Manajemen Management, Risk Management major in 2007 from Risiko pada 2007 dari Universitas Indonesia, serta memiliki University of Indonesia, as well as having BSMR Level 5 sertifikasi BSMR Level 5. Selain pendidikan formal, Beliau certification. In addition to formal education, she attended juga mengikuti sejumlah pelatihan dan seminar diantaranya, trainings and seminars such as Bank Internal Auditor Konferensi Ikatan Auditor Intern Bank (IAIB) di Belitung Association (IAIB) Conference 2014 in Belitung Business 2014, Business Continuity Management Training Program di Continuity Management Training Program 2014 in Jakarta, Jakarta pada 2014, Seminar The Institute of Internal Auditors and Seminar of The Institute of Internal Auditors Indonesia Indonesia (IIA) tahun 2015 di Yogyakarta. (IIA) in 2015 in Yogyakarta. Kualifikasi dan Jumlah Personil SKAI Qualification and Total Internal Audit Personnels Jumlah dan kualifikasi jabatan pegawai SKAI per posisi 31 Internal Audit’s total personnels and qualification as of Desember 2015, dapat dilihat pada tabel berikut: December 31, 2015 can be observed in the following table: Tabel jumlah pegawai SKAI Table of total Internal Audit employees No Keterangan / Description S2 / Master’s S1 / Bachelor’s Jumlah / Total 1 Kepala SKAI / Head of Internal Audit 1 - 1 2 Kepala Divisi / Division Head - 5 5 3 Kepala Departemen / Department Head - 7 7 4 Kepala Seksi / Section Head 3 18 21 5 Auditor / Auditor 5 103 108 9 133 142 Jumlah / Total Sertifikasi Certification Untuk meningkatkan profesionalisme dan kompetensi secara In order to improve the professionalism and competence on berkesinambungan, SKAI telah melaksanakan serangkaian an ongoing basis, Internal Audit has implemented a series program pelatihan teknis dan sertifikasi profesi bagi para of technical training programs and professional certification auditor, termasuk pelatihan soft-skills. Adapun sertifikasi for auditors, including soft-skills training. Professional profesi yang telah diikuti oleh SKAI adalah Sertifikasi certification that has been followed by Internal Audit Unit is Manajemen Risiko level 1 sampai level 5 sebanyak 34 orang. Risk Management Certification level 1 - 5 of 34 people. In Selain itu, SKAI juga telah mengikuti Sertifikasi Auditor Intern addition, Internal Audit Unit also participated in auditor-level Bank level auditor sebanyak 19 orang. Bank internal Auditor Certification with 19 participants. Tugas dan Tanggung Jawab SKAI Duties and Responsibilities Berdasarkan Peraturan Bank Indonesia No. 1/6/PBI/1999 Pursuant to Bank Indonesia Regulation No. 1/6/PBI/1999 on tentang Penugasan Direktur Kepatuhan (Compliance Director) the Assignment of Compliance Director and Internal Audit dan Penerapan Standar Pelaksanaan Fungsi Audit Intern Bank Function Implementation Standards for Public Bank (SPFAIB), Umum (SPFAIB), tugas dan tanggung jawab SKAI adalah Internal Audit has the following duties and responsibilities: sebagai berikut: • SKAI bertugas dan bertanggung jawab untuk membantu • Internal Audit is responsible to support the tasks of tugas Direktur Utama dan Dewan Komisaris dalam Managing Director and Board of Commissioners in melakukan pengawasan dengan cara menjabarkan secara supervising planning, implementation, and audit result operasional baik perencanaan, pelaksanaan, maupun monitoring with operational descriptions; pemantauan hasil audit. Annual Report 2015 | PT. BANK SINARMAS Tbk. 447 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report • Melakukan analisis dan penilaian di bidang keuangan, PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis • Analyze and assess financial, accounting, operational akuntansi, operasional dan kegiatan lainnya melalui and other activity fields through onsite and off-site pemeriksaan secara langsung (on-site) dan pemantauan investigations; secara tidak langsung (off-site). • Mengindentifikasi segala kemungkinan untuk memperbaiki dan meningkatkan efesiensi penggunaan • Identify all possibilities to recover and improve the efficiency of resources and fund utilization; sumber daya dan dana. • Memberikan informasi dan saran perbaikan yang objektif tentang kegiatan yang di review kepada semua tingkatan • Provide information and objective recovery advice over reviewed activities to all management levels. manajemen. Hubungan SKAI dengan Unit-Unit Lain Relationship with Other Units Tabel hubungan SKAI dengan unit-unit lain Table of Internal Audit’s relationship with other units Unit / Unit 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 / Internal Audit Unit has direct connection to Board of Commissioners or through the Audit Committee chaired by an Independent Commissioner. Board of Commissioners is in charge of final supervisory. In this relation, Board of Commissioners is responsible to ask Board of Directors to follow up findings of the Internal Audit 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 / Head of Internal Audit Unit is directly responsible to President Director. The Internal Audit Work Unit submits its report to President Director and Board of Commissioners/Audit Committee with a copy forwarded to Compliance Director. Komite Audit / Audit Committee 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 / Internal Audit Unit is able to communicate at any time and has no limited access to Audit Committee to submit information related to auditing results. 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 President Director. Direktur Kepatuhan / Compliance 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 / Compliance Director receives a forwarded copy of Audit report submitted by the Internal Audit Unit to President Director and 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 must be cooperative in supporting Internal Audit Unit’s duties, following-up audit findings as well as being committed to carry out improvement in a certain frame of time. Should the Auditee fails to cooperate and does not conduct follow-up on audit finding as it is approved, a sanction will be given in accordance with the prevailing company’s regulation. Auditor Eksternal / External Auditor SKAI bertanggung jawab untuk mengkoordinasikan kegiatannya dengan kegiatan Auditor Ekstern / Internal Audit Unit is responsible for coordinating its activities with External Auditor’s. 448 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Independensi SKAI Independency of Internal Audit Berdasarkan Piagam Audit Intern yang ditetapkan pada Based on Internal Audit Charter published in December 11, tanggal 11 Desember 2015, indepedensi SKAI adalah sebagai 2015, the Internal Audit Unit’s Independency is as follows: berikut : 1. SKAI harus dapat bekerja dengan bebas tanpa campur tangan ataupun tekanan dari pihak manapun. 2. SKAI harus memiliki kebebasan dalam menetapkan metode, cara, teknik, dan pendekatan audit yang akan 1. Internal Audit Unit must perform independently without intervention or pressure from any party. 2. Internal Audit Unit must be independent in determining the methods, means, techniques and audit approach. dilakukan. 3. SKAI harus memelihara sikap mental yang independen 3. Internal Audit Unit must maintain independent mental dalam melakukan audit, yang tercermin dari laporan yang attitude in auditing, as reflected in complete and objective lengkap, obyektif, serta berdasarkan analisa yang cermat reports based on thorough and unbiased analysis. dan tidak memihak. 4. SKAI tidak diperkenankan merangkap jabatan atau 4. Internal Audit Unit is not permitted to have concurrent melakukan kegiatan operasional lainnya, dan tidak terlibat positions or perform other operational activities and must dalam pengambilan keputusan operasional (hanya sebatas not involve in operational decision-making process (limited memberikan rekomendasi). to providing recommendations). 5. SKAI dan auditor internal harus independen dari kegiatan yang diaudit. 5. Internal Audit Unit and internal auditors must be independent from the activities audited. Realisasi Audit Plan 2015 2015 Audit Plan Realization SKAI telah melaksanakan program kerja sesuai dengan Internal Audit Unit has performed its work program in Rencana Kerja SKAI pada 2015 sebagai berikut: accordance with Internal Audit Unit Work Plan in 2015 as follows: 1. 40 Kantor Cabang dan 19 Divisi/Unit Kerja dilakukan pemeriksaan tahunan. 1. Annual inspection at 40 Branch Offices and 19 Divisions/ Work Units 2. Surprise audit pada 5 kantor Bank Sinarmas. 2. Surprise audit at 5 offices of Bank Sinarmas 3. On the spot audit pada 163 kantor Bank Sinarmas. 3. On-the-spot audit for 163 offices of Bank Sinarmas Atas pemeriksaan yang telah dilakukan SKAI selama 2015, The follow-ups for the audits conducted by Internal Audit Unit tindak lanjutnya antara lain : in 2015 are as follows: 1. Merekomendasikan kepada Manajemen untuk melakukan 1. Provide recommendations to the Management in sosialisasi maupun edukasi untuk meningkatkan implementing dissemination and education to improve pemahaman petugas terhadap alur kerja unit kerja, the staff’s understanding towards work units work flow, ketentuan yang ada, hingga setiap kemungkinan risiko existing regulations, to each possibility of risk arising in yang terjadi pada setiap tugas dan tanggung jawab unit every task and responsibility of work units. kerja. 2. Menyampaikan laporan hasil pemeriksaan kepada Manajemen dalam bentuk laporan Excecutive Summary 2. Deliver investigation result report to the Management in the form of Executive Summary and quarterly report. dan laporan triwulan. 3. Aktif melakukan monitoring atas tindak lanjut dari rekomendasi hasil pemeriksaan. Annual Report 2015 | PT. BANK SINARMAS Tbk. 3. Active monitoring on the recommendation of investigation result follow-up. 449 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Laporan Pelaksanaan Kerja SKAI Work Implementation Report of Internal Audit Unit Selama 2015, laporan pelaksanaan kerja SKAI sebagai berikut: Internal Audit Unit’s duties implementation report throughout 2015 is as follows: 1. Membuat dan menyampaikan laporan progres dan hasil 1. Regularly compose and deliver progress and achievement pencapaian Rencana Kerja Tahunan, serta kecukupan result on Annual Work Plan report, as well as human sumber daya kepada Direktur Utama dan Komite Audit resources adequacy to Managing Director and Audit secara berkala. Committee. 2. Membuat dan menyampaikan laporan pelaksanaan 2. Compose and deliver implementation and internal audit dan pokok-pokok hasil audit internal kepada Otoritas result in semester report to Financial Services Authorities Jasa Keuangan secara semesteran setelah mendapat (OJK) after the approval from Managing Director and persetujuan dari Direktur Utama dan Direktur Kepatuhan. Compliance Director. 3. Laporan hasil kaji ulang pihak eksternal yang memuat 3. Compose review report of external party which consists of pendapat tentang hasil kerja SKAI dan kepatuhannya opinion on SKAI performance and compliance with SPFAIB terhadap SPFAIB serta perbaikan yang mungkin dilakukan. and possible improvement. Rencana Kerja SKAI 2016 2016 Internal Audit Unit Work Plan SKAI telah menyusun rencana kerja yang telah disetujui oleh Internal Audit Unit drafts a work plan, which has been Direktur Utama, yaitu sebagai berikut: approved by President Director The plan is as follows: 1. Audit tahunan pada Kantor Cabang baik Konvensional 1. Annual audit at Conventional and Sharia Branch Offices dan Sharia, serta Divisi/Unit Kerja. 2. Pemeriksaan secara Surprise Audit dan On The Spot Audit and at Work Divisions/Units. 2. Conduct Surprise Audit and On-The-Spot Audit at Bank pada kantor-kantor Bank Sinarmas yang tidak termasuk Sinarmas offices, excluding offices that are not included in pada jadwal audit tahunan. annual audit schedule. 3. Peningkatan kualitas audit dimulai dari proses pemeriksaan 3. Audit quality improvement from integrated examination at yang terintegrasi dari awal persiapan sampai dengan the beginning up to the composing of Examination Report pembuatan Laporan Hasil Pemeriksaan dan tindaklanjut and follow-ups (SLA). hasil pemeriksaan (SLA). 4. Meningkatkan dan menjaga aspek kuantitas dan kualitas auditor melalui program pelatihan dan sertifikasi 4. Improve and maintain auditor’s quantity and quality through training and certification. berkelanjutan. SATUAN KERJA MANAJEMEN RISIKO (SKMR) RISK MANAGEMENT WORK UNIT (SKMR) Bank Sinarmas memiliki Satuan Kerja Manajemen Risiko Bank Sinarmas has a Risk Management Work Unit (SKMR), (SKMR) yang merupakan satuan kerja yang independen an independent unit from the risk-taking units such as terhadap satuan kerja operasional (risk taking unit) seperti operational, treasury and investment, credit, finance, operasional, treasury dan investasi, kredit, pendanaan, accounting, and from Internal Audit Unit. akunting dan terhadap satuan kerja yang melaksanakan pengendalian internal (Satuan Kerja Audit Internal). Pada posisi Desember 2015, SKMR terdiri dari 3 Divisi yaitu In December 2015, SKMR consisted of 3 Division, namely Divisi Credit Risk Management, Divisi Operational Risk Division, Credit Risk Management Division, Operational Risk Division, Divisi Market, Liquidity Risk dan Enterprise Risk Management Market, Liquidity Risk and Enterprise Risk Management dengan total jumlah karyawan sebanyak 15 orang. Satuan Division with total employees of 15 employees. Risk Kerja Manajemen Risiko bertanggung jawab kepada Direktur Management Work Unit is responsible to Risk Management Manajemen Risiko. Director. 450 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Struktur SKMR / SKMR Structure RISK MANAGEMENT DIRECTOR Head of Risk Management Group Operational Risk Management Division Credit Risk Management Division Wholesale Credit Risk Management Department Retail Credit Risk Management Department Policy & Operational Risk Review Department Operational Risk & Infrastructure Department Market, Liquidity Risk & ERM Division Market-Liquidity Management Department Enterprise Risk Management (ERM) Department Tugas dan Tanggung jawab Duties and Responsibilities Tanggung jawab SKMR dalam melaksanakan penerapan SKMR has the following duties in implementing risk manajemen risiko adalah sebagai berikut: management: 1. Memberikan masukan kepada Direksi dalam penyusunan 1. Provide feedback to Board of Directors in the development kebijakan, strategi, serta kerangka manajemen risiko. 2. Mengembangkan prosedur dan alat untuk identifikasi, pengukuran, pemantauan dan pengendalian risiko. 3. Memantau pelaksanaan strategi manajemen risiko yang 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 direkomendasikan oleh Komite Manajemen Risiko dan strategies recommended by Risk Management Committee yang telah disetujui oleh Direksi. and approved by Board of Directors. 4. Memantau posisi/eksposur risiko secara keseluruhan 4. Monitoring the overall risk position/exposure (composite) (composite), per jenis risiko maupun per aktivitas per risk type and per functional activity based on the fungsional sesuai limit risiko yang ditetapkan. 5.Melakukan stress testing guna mengetahui dampak dari determined risk limit. 5. Perform stress-testing to determine the impact of the pelaksanaan kebijakan dan strategi manajemen risiko implementation of risk management policies and strategies terhadap kinerja masing-masing satuan kerja operasional. on the performance of each operating unit. 6. Melakukan kajian terhadap usulan aktivitas dan/atau produk baru yang diajukan atau dikembangkan oleh suatu unit tertentu yanh ada pada Bank. 7. Memberikan rekomendasi mengenai besaran atau 6. Perform assessment of the proposed activities and/or new products proposed or developed by a specific unit of the Bank. 7. Provide recommendations on the amount or the maximum maksimum eksposur risiko yang wajib dipelihara Bank risk exposure that must be maintained by the Bank to kepada satuan kerja operasional dan kepada Komite operational unit and Risk Management Committee, in Manajemen Risiko, sesuai dengan kewenangan yang accordance with the competency of Risk Management dimiliki Satuan Kerja Manajemen Risiko. Unit. 8. Melakukan evaluasi terhadap akurasi model dan validasi data yang digunakan oleh Bank untuk mengukur risiko. 9. Penyusunan dan penyampaian laporan Profil Risiko setiap triwulan dan Tingkat Kesehatan Bank setiap semester Annual Report 2015 | PT. BANK SINARMAS Tbk. 8. Evaluation of the accuracy of the model and the validation of the data used by the Bank to measure risks. 9. Preparation and submission of quarterly reports and the risk profile of the Bank semiannually Risk Management 451 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Komite Manajemen Risiko dan Komite Pemantau Risiko, Committee and Risk Monitoring Committee, which will yang kemudian akan dilaporkan kepada Otoritas Jasa then be reported to the Financial Services Authority (FSA). Keuangan. 10.Melakukan pemantauan dan kaji ulang terhadap implementasi kebijakan, strategi dan kerangka manajemen 10.Monitoring and review on the implementation of risk management policy, strategy and framework. risiko. SATUAN KERJA KEPATUHAN (SKK) COMPLIANCE WORK UNIT (SKK) Satuan Kerja Kepatuhan (SKK) dibentuk berdasarkan Compliance Work Unit was established pursuant to Peraturan Bank Indonesia No. 13/2/PBI/2011 tentang Bank Indonesia Regulation No.13/2/PBI/2011 on The pelaksanaan Fungsi Kepatuhan Bank Umum. Implementation of Compliance Function of Commercial Banks. Peran dan fungsi SKK sangatlah penting untuk memastikan Roles and functions of SKK are necessary to ensure that aturan yang dibuat oleh Bank selaras dengan peraturan/ regulations made by Bank are in accordance with external ketentuan eksternal serta memastikan penerapan atas regulations/provisions, and to ensure that the regulations/ peraturan/ketentuan tersebut telah dilaksanakan dengan provisions have been implemented in a well manner. baik. Ketidakpatuhan terhadap peraturan/ ketentuan dapat Disobedience to the regulations/provisions can cause financial menimbulkan risiko yang bersifat finansial seperti denda, dan risks, such as fine, and non-financial risks, such as written non finansial seperti peringatan tertulis. warning. Sebagai komitmen Perseroan untuk senantiasa mematuhi As a commitment of the Company to continue to comply peraturan dan ketentuan yang dikeluarkan oleh regulator, with the rules and regulations issued by the regulator, Bank Bank Sinarmas membentuk SKK yang bersifat independen dan Sinarmas established the SKK which is independent and free bebas dari pengaruh satuan kerja lainnya serta mempunyai from the influence of other work units as well as having direct akses langsung kepada Direktur Kepatuhan. access to the Compliance Director. Direktur yang Membawahi Fungsi Kepatuhan Overseeing Director for Compliance Function Direktur yang membawahkan Fungsi Kepatuhan adalah Salis Overseeing Director for Compliance Function is Salis Teguh Teguh Hartono selaku Direktur Compliance. Hartono as Compliance Director. Proses Pengangkatan, Pemberhentian dan/atau Appointment, Dismissal and/or Resignation Process of Pengunduran Diri Direktur Kepatuhan Compliance Director Proses pengangkatan, pemberhentian dan/atau pengunduran The appointment, dismissal and/or resignation process Direktur yang membawahkan Fungsi Kepatuhan di Bank of Overseeing Director for Compliance Function in Bank Sinarmas telah diatur sebagai berikut: Sinarmas have been regulated s follows: 1. Pengangkatan, pemberhentian, dan/atau pengunduran 1. The appointment, dismissal and/or resignation of diri Direktur yang membawahkan Fungsi Kepatuhan Bank Overseeing Director for Compliance Function of Bank Sinarmas telah mengacu kepada ketentuan mengenai Sinarmas refers to the regulations on the appointment, pengangkatan, pemberhentian, dan/atau pengunduran dismissal and/or resignation of Board of Directors’ diri anggota Direksi sebagaimana dimaksud dalam members in Bank Indonesia regulation on Commercial ketentuan Bank Indonesia yang mengatur mengenai Bank Bank, and PBI No. 132/PBI2011 on the Implementation of Umum, serta PBI No. 13/2/PBI/2011 tentang Pelaksanaan Compliance Function. Fungsi Kepatuhan. 2. Dalam hal Direktur yang membawahkan Fungsi Kepatuhan 2. In the event of Overseeing Director for Compliance berhalangan tetap, mengundurkan diri, atau habis masa Function is permanently absent, resigns or is at the end of jabatannya, maka Bank segera mengangkat pengganti his/her tenure, the Company must immediately appoint a Direktur yang membawahkan Fungsi Kepatuhan. successor for the position. 452 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility 3. Selama dalam proses penggantian Direktur yang Laporan Keuangan Konsolidasi Consolidated Financial Statement 3. During the appointment process for the position of membawahkan Fungsi Kepatuhan, ditunjuk salah satu Overseeing Director for Compliance Function, another Direktur lainnya untuk sementara melaksanakan tugas Director shall be appointed to temporarily run his/her Direktur yang membawahkan Fungsi Kepatuhan. duties. 4. Direktur yang melaksanakan tugas sementara sebagai 4. The Director that temporarily conduct duties as Overseeing Direktur yang membawahkan Fungsi Kepatuhan, baik Director for Compliance Function, both due to temporary karena berhalangan sementara maupun berhalangan or permanent absence, shall not be concurrently assigned tetap, tidak dirangkap oleh Direktur Utama dan/atau Wakil to President Director and/or Vice President Director and Direktur Utama dan Direktur yang membawahkan fungsi- other Directors conducting functions that may affect his/ fungsi yang dapat mempengaruhi independensinya. Dalam her independency. In the event of the absence of other hal direktur lain yang merangkap jabatan Direktur yang director that serves concurrently as Overseeing Director membawahkan Fungsi kepatuhan tidak ada, maka jabatan for Compliance Function, such position will be temporarily Direktur yang membawahkan Fungsi Kepatuhan dirangkap assigned to other Director that oversees operational sementara oleh Direktur lainnya yang membawahkan functions. fungsi-fungsi operasional. 5. Setiap penggantian jabatan Direktur yang membawahkan 5. Each change of position for Overseeing Director for Fungsi Kepatuhan senantiasa dilaporkan kepada Bank Compliance Functions is reported to Bank Indonesia. Indonesia. Pengangkatan Direktur yang membawahkan The appointment of Overseeing Director for Compliance Fungsi Kepatuhan telah melalui Fit & Proper Test sesuai Function has been conducted through Fit & Proper Test in dengan Ketentuan Bank Indonesia dan Otoritas Jasa accordance with the Regulations of Bank Indonesia and Keuangan Financial Services Authority. Struktur SKK / SKK Structure Compliance Director Group Head Compliance UKPN Division Compliance Division COMPLIANCE Culture Development Sistem & Procedure CdDD & Investigation OPERATIONAL RELATED MONITORING & REPORTING LENDING RELATED COMPLIANCE Bidang IT BIDANG KREDIT & OPERASIONAL COMPLIANCE COMMUNICATION BIDANG PASAR & SYARIAH IT DEVELOPMENT & SYNCHRONIZATION REVIEW & DATA SUPPORTING Annual Report 2015 | PT. BANK SINARMAS Tbk. 453 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Profil SKK SKK Unit Profile SKK Bank Sinarmas terdiri dari beberapa divisi yakni Bank Sinarmas’ SKK unit consists of divisions such as Divisi Compliance, Divisi UKPN, Departemen Sisdur, dan Compliance Division, UKPN Division, System & Procedure Departemen Compliance Culture. SKK Bank Sinarmas saat Division, and Compliance Culture. Currently, SKK unit is ini dipimpin oleh Bapak Purwanto sebagai Group Head chaired by Mr. Purwanti As Group Head Compliance, Mr. Compliance, Bapak Harri Setiabudi sebagai Kepala Divisi Harri Setiabudi as Head of Compliance Division and Mr. Inung Compliance, dan Bapak Inung Nugroho sebagai Kepala Divisi Nugroho as head of Customers Introduction Work Unit (UKPN) Unit Kerja Pengenalan Nasabah (UKPN) yang dibentuk untuk Division. The Unit was established to ensure the compliance memastikan tingkat kepatuhan seluruh jenjang organisasi rate of all organizational levels of Bank Sinarmas with the Bank Sinarmas atas ketentuan dan peraturan perundang- prevailing rules and regulations, meet its commitment to undangan yang berlaku, pemenuhan komitmen kepada the regulators, conduct credit activities, procure goods and regulator, pelaksanaan aktivitas usaha kredit dan pengadaan services fairly and implement APU and PPT principles to avoid barang serta jasa yang wajar, memastikan kepatuhan kegiatan money laundering. operasional di setiap unit kerja, serta penerapan prinsip APU dan PPT sebagai upaya Bank Sinarmas menghindari tindak pidana pencucian uang. 1. Divisi Compliance 1.Compliance Division Memiliki tugas dan tanggung jawab untuk: Duties and responsibilities of Compliance Division: a. Melakukan pemantauan terhadap ketentuan eksternal a. Monitor the external conditions of the Regulator and the dari Regulator dan peraturan perundang-undangan yang legislation that applies to the application in work units berlaku terkait penerapannya di unit-unit kerja Bank of Bank Sinarmas along with studies and impact of the Sinarmas beserta kajian dan dampak ketentuan tersebut provision for the Company; bagi Perusahaan; b. Menyusun laporan Direktur Kepatuhan sesuai dengan b. Prepare reports of the Director of Compliance in ketentuan PBI No.13/2/PBI/2011 tentang Pelaksanaan accordance with the provisions of PBI regulation 13/2/ Fungsi Kepatuhan Bank Umum, antara lain: PBI/2011 on the implementation of the Compliance • Laporan Bulanan : Dilakukan setiap bulan (internal), Function of Commercial Banks, inter alia: merupakan rekapan dari kegiatan atau aktifitas Direktorat Kepatuhan selama kurun waktu 1 (satu) bulan. • Laporan Triwulan : Dilakukan setiap bulan April (untuk a recap of activities of the Compliance Directorate in 1 (one) month. • Quarterly Report: Conducted every April (for the first Triwulan I) dan bulan Oktober (untuk Triwulan II), quarter) and in October (for the Quarter II), Quarterly Laporan Triwulan ditujukan kepada Direktur Utama Report is addressed to the President Director with dengan tembusan Dewan Komisaris. Laporan Triwulan a copy of the Board of Commissioners. Quarterly merupakan laporan yang dibuat untuk menyampaikan Report is a report made to convey the duties and tugas dan tanggung jawab Direktur Kepatuhan dan responsibilities of the Director of Compliance and Satuan Kerja Kepatuhan selama kurun waktu Triwulan. Compliance Unit during the period of the Quarter. • Laporan Semester: Dilakukan setiap bulan Juli (Untuk • Semester Report: Conducted every July (for the 1st Semester I) dan bulan Januari (untuk Semester II), Semester) and January (for the 2nd Semester), the Laporan Semester ditujukan kepada Otoritas Jasa Semester Report is addressed to the Financial Services Keuangan dengan tembusan Direktur Utama dan Authority with a copy to the President Director and Dewan Komisaris. Laporan Semester merupakan the Board of Commissioners. The Semester Report is a laporan yang dibuat untuk menyampaikan tugas dan report made to convey the duties and responsibilities tanggung jawab Direktur Kepatuhan dan Satuan Kerja of the Director of Compliance and the Compliance Kepatuhan. Working Unit. • Laporan Good Corporate Governance : Merupakan 454 • Monthly report: Conducted every month (internal), is • Good Corporate Governance Report: Is a report laporan Tata Kelola Perusahaan, dengan menjabarkan on Good Corporate Governance, by explaining penerapan prinsip-prinsip keterbukaan (transparency), implementation of the principles of transparency, Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement akuntabilitas (accountability), tanggung jawab accountability, responsibility, independency, and (responsibility), independensi (independency), dan fairness with full awareness and responsibility, in kewajaran (fairness) dengan penuh kesadaran dan accordance with PBI No. 8/14/PBI/2006 along with tanggung jawab, sesuai dengan PBI No. 8/14/PBI/2006 its amendment and SE BI No.9/12/DPNP regarding serta perubahannya dan SE BI No.9/12/DPNP tentang implementation of Good Corporate Governance for Pelaksanaan Good Corporate Governance Bagi Bank Commercial Banks. Umum. c. Melakukan review terhadap ketentuan-ketentuan internal c. Review the internal provisions that will apply, in order yang akan diberlakukan, dengan tujuan agar ketentuan for the provisions to be applied in accordance with Bank yang akan diterapkan di Bank Sinarmas telah sesuai Sinarmas external regulations (Regulator). dengan ketentuan Eksternal (Regulator). d. Membuat Check list Kepatuhan, Check list kepatuhan d. Make a compliance checklist. A compliance checklist is dibuat sebagai monitoring kepatuhan terhadap jalannya created as monitoring compliance with the activities of kegiatan perbankan, yakni check list untuk Produk dan/ banks, which are the check list for the new products and/ atau Aktivitas baru dan check list untuk pembukaan/ or activity and a check list for branch opening/relocation. relokasi Cabang. e. Menindaklanjuti hasil temuan internal (SKAI) dan Eksternal e. Follow up the internal (SKAI) and external (BI, FSA, KAP) (BI, OJK, KAP) kepada unit kerja, sebagai komitmen Bank findings to work units, as the Bank’s commitment to the kepada Regulator terhadap upaya-upaya perbaikan yang Regulator on improvement efforts undertaken by the telah dilakukan Bank. Bank. f. Kepatuhan Terintegrasi, sebagai Entitas Utama maka f. Integrated Compliance, as a main entity, integrated kepatuhan terintegrasi dilakukan dengan memantau compliance is conducted by monitoring and evaluating dan mengevaluasi pelaksanaan fungsi Kepatuhan pada implementation of compliance function to each LJK in the masing-masing LJK dalam konglomerasi keuangan. financial conglomeration. 2. Divisi UKPN (Unit Kerja Pengenalan Nasabah) 2. UKPN (Customer Recognition Working Unit) Division Memiliki tugas dan tanggung jawab untuk: Has duties and responsibilities to: a. Melakukan koordinasi dan pemantauan terhadap a. Coordinate and monitor the implementation of the Know pelaksanaan kebijakan Prinsip Mengenal Nasabah, yakni Your Customer policy, which is by conducting a study that dengan melakukan kajian bahwa pedoman umum KYC the general guidelines on KYC and AML are in accordance & AML telah sesuai dengan ketentuan eksternal yang with applicable external regulations , monitoring the berlaku, memonitor pelaksanaan tahapan-tahapan CDD implementation of the stages of CDD (Customer Due (Customer Due Diligence) di Cabang-Cabang melalui Diligence) in Branches through Self Assessment report. laporan Self Assessment. b. Pemantauan pengkinian profil nasabah beserta b. Monitor the updating of customer profiles and their transaksinya pada seluruh Cabang, dilakukan dengan transactions in all branches, conducted by monitoring memonitor pengkinian data nasabah melalui peran serta customer data updating through the participation of the Wakil Pemimpin Cabang (Kepala Operasional) selaku Deputy Branch Manager (Chief Operating Officer) as a penanggung jawab penerapan Prinsip Mengenal Nasabah. c. Melakukan Pengembangan IT AML untuk menunjang Program KYC dan pemantauan nasabah d. Memantau, menganalisa, dan melaporkan pelaporan person in charge of the Know Your Customer principle. c. Develop the IT AML to support the KYC program and customer monitoring. d. Monitor, analyze, and reporting the Report of Cash Transaksi Tunai jumlah tertentu (CTR), Laporan Transaksi Transaction in certain amount (CTR), Suspicious Mencurigakan (STR), dan LTKL kepada PPATK, dengan Transaction Report (STR), and LTKL to PPATK, by ensuring memastikan pelaksanaan pelaporan STR, CTR, dan LTKL that the reporting of STR CTR, and LTKL for branches bagi cabang dan unit kerja terkait telah sesuai dengan and working units has been in accordance with Money Pedoman Pencucian Uang (APU) dan Pencegahan Laundering Guidelines (AML), and Prevention of Funding Pendanaan Terorisme (PPT). for Terrorism (PPT). Annual Report 2015 | PT. BANK SINARMAS Tbk. 455 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report e. Menindaklanjuti atas laporan eksternal (Surat Pajak, BI, PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis e. Follow up on external reports (Tax Letter, BI, and KPK) dan KPK) yang menyangkut kerahasiaan Bank, yakni concerning the confidentiality of the Bank, which is by dengan melakukan pengecekan nasabah mengenai checking the customers on the database in question in database yang bersangkutan sesuai dengan surat yang accordance with the letter sent/received from external dikirimkan/yang diterima dari pihak eksternal (Surat Pajak, parties (Tax Letter, BI and KPK). BI, dan KPK) f. Menindaklanjuti data rekening nasabah (CIF “Customer f. Follow up customer account data (CIF “Customer Information File”) to Branches, by monitoring CIF data Information File”) ke Cabang, dengan melakukan regularly either through KYC Cleansing and IT data monitoring data CIF secara berkala baik melalui KYC withdrawal system. Cleansing maupun penarikan data sistem IT. 3. Departemen System and Prosedure 3. System and Procedure Department Memiliki tugas dan tanggung jawab untuk: Has duties and responsibilities to: a. Melakukan review terhadap ketentuan terkait kebijakan a. Review relevant provisions of the operational and non- operasional & non operasional Bank yang disajikan dalam operational policy of the Bank are presented in the form bentuk SOP/SK/SE sesuai dengan ketentuan internal, of SOP/SK/SE in accordance with internal regulations, by dengan mengumpulkan semua ketentuan yang ada terkait collecting all existing provisions related to the topic that dengan topik yang akan di review. will be reviewed. b. Mengelola data base portal internal dalam bentuk b. Manage internal portal data base in the form of an index daftar index, yakni dengan menginput ketentuan yang list, by inputting provisions issued by all units in the dikeluarkan oleh seluruh unit kerja ke dalam Daftar Index Portal List and monitoring the accuracy of the data Index Portal dan melakukan monitoring keakuratan data contained in the internal regulations of the Portal. ketentuan internal yang terdapat pada Portal. c. Melakukan evaluasi secara berkala terhadap kecukupan c. Conduct periodic evaluation of the adequacy of internal kebijakan internal yang disesuaikan dengan kompleksitas policies that are tailored to the complexity of the Bank’s bisnis Bank, dengan membuat daftar ketentuan (SK/SOP business, by making a list of provisions (SK/SOP and SE/ dan SE/Memo) yang dimilki oleh masing-masing unit kerja Memo) owned by their respective work units and send dan mengirimkannya kepada pemimpin unit kerja. them to work unit leaders. 4. Departemen Compliance Culture 4.Compliance Culture Department Unit Kerja Compliance Culture didirikan sebagai salah satu Compliance Culture Working Unit is established as one of upaya peningkatan compliance awareness pada semua the efforts to increase compliance awareness at all levels tingkatan organisasi dan semua kegiatan usaha Bank. Adapun of organization and all business activities of the Bank. The program kerja Unit Kerja Compliance Culture diantaranya working programs of the Compliance Culture Working melanjutkan program sosialisasi yang telah diselengarakan Unit, inter alia, is continuing the socialization program that sebelumnya melalui tatap muka seperti “Sosialisasi 35 Menit has been previously held face-to-face such as “35-Minute bersama Compliance” dan “Sosialisasi APU PPT” juga melalui Socialization with Compliance” and “APU PPT Soialization” media elektronik yang diberi nama “Coffee TIME”. also through electronic media named “Coffee TIME.” Coffee TIME adalah singkatan dari Compliance Forum for Fun Coffee TIME stands for Compliance Forum for Fun & Educate & Educate Employee yang merupakan forum yang dirancang Employee, which is a forum designed as an education forum sebagai wadah edukasi bagi karyawan Bank Sinarmas dengan for Bank Sinarmas employees in a more interesting and cara yang lebih menarik dan menyenangkan sehingga dapat fun way to improve Compliance Awareness in the work meningkatkan Compliance Awarness dilingkungan kerja. environment. The presentation also uses electronic media Penyampaiannya pun menggunakan media elektronik agar in order to include all employees in Indonesia and can be mencakup seluruh karyawan yang tersebar di Indonesia serta accessed quickly and easily. dapat diakses dengan cepat dan mudah. 456 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Fungsi SKK SKK Functions SKK dibentuk untuk melaksanakan fungsi kepatuhan yang SKK unit was established to implement compliance functions meliputi tindakan sebagai berikut: as follows: 1. Melakukan identifikasi, pengukuran, monitoring, dan 1. Conduct identification, measuring, monitoring and pengendalian terhadap Risiko Kepatuhan dengan control on Compliance Risk by referring to the Authority’s mengacu pada peraturan Otoritas yang berwenang regulations in force on the Implementation of Risk mengenai Penerapan Manajemen Risiko bagi Bank Umum; Management for Commercial Bank; 2. Menilai dan mengevaluasi efektivitas, kecukupan, dan 2. Assess and evaluate the effectiveness, adequacy and kesesuaian kebijakan, ketentuan, sistem maupun prosedur conformity of policy, rules, system and procedure of the yang dimiliki oleh Bank dengan peraturan perundang- Bank withe the regulations in force; undangan yang berlaku; 3. Melakukan review dan/atau merekomendasikan 3. Review and/or recommend renewal and improvement pengkinian dan penyempurnaan kebijakan, ketentuan, of policy, rules, system and procedures of the Bank in sistem maupun prosedur yang dimiliki oleh Bank agar accordance with the Authority’s rules and regulations in sesuai dengan ketentuan Otoritas yang berwenang dan force; peraturan perundang-undangan yang berlaku; 4. Melakukan upaya-upaya untuk memastikan bahwa 4. Conduct efforts to ensure that the policy, rules, system kebijakan, ketentuan, sistem dan prosedur, serta kegiatan and procedure and the Company’s bank activities have usaha Bank telah sesuai dengan ketentuan Otoritas yang been in accordance with the Authority’s rules and berwenang dan peraturan perundang-undangan yang regulations in force; and berlaku; dan 5. Melakukan tugas-tugas lainnya yang terkait dengan Fungsi 5. Perform other duties related with Compliance Function. Kepatuhan. Tujuan jangka panjang dari penerapan fungsi kepatuhan ini The long-term purpose of the compliance function adalah menumbuhkan budaya kepatuhan di dalam internal implementation is to encourage compliance culture within the stakeholders meliputi pemegang saham, pengurus, pejabat stakeholders’ internal condition, including the shareholders, dan karyawan Bank Sinarmas. management, executives and employees of Bank Sinarmas. Tugas dan Tanggung Jawab Direktur Kepatuhan Duties and Responsibilities of SKK Unit Tugas dan tanggung jawab SKK, meliputi: The duties and responsibilities of SKK unit are: 1. Merumuskan strategi guna mendorong terciptanya budaya 1. Drafting strategy in order to create compliance culture; kepatuhan (compliance culture); 2. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip kepatuhan yang akan ditetapkan oleh Direksi; 3. Menetapkan sistem dan prosedur kepatuhan yang akan digunakan untuk menyusun ketentuan dan pedoman 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; internal; 4. Memastikan bahwa seluruh kebijakan, ketentuan, sistem 4. Ensuring that all policies, regulations, systems, and dan prosedur, serta kegiatan usaha telah sesuai dengan procedures, as well as business activities have been ketentuan Otoritas Jasa Keuangan/Bank Indonesia dan well conducted in accordance with the regulations of peraturan perundang-undangan yang berlaku; the Financial Services Authority or Bank Indonesia and prevailing regulations; 5. Meminimalkan risiko kepatuhan (compliance risk); 5. Minimizing compliance risk; 6. Melakukan tindakan pencegahan agar kebijakan dan/ 6. Taking precautions to ensure that policies and/or decisions atau keputusan yang diambil Direksi tidak menyimpang taken Directors do not deviate from the provisions of dari ketentuan Otoritas Jasa Keuangan/Bank Indonesia the Financial Services Authority/Bank Indonesia and the dan peraturan perundang-undangan yang berlaku, antara legislation in force, among others, provide a different lain memberikan pendapat yang berbeda/dissenting opinion/dissenting opinions if there are policies and/or Annual Report 2015 | PT. BANK SINARMAS Tbk. 457 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis opinion apabila terdapat kebijakan dan/atau keputusan decisions that deviate from the provisions of Financial yang menyimpang dari ketentuan Otoritas Jasa Keuangan/ Services Authority/Bank Indonesia and the legislation in Bank Indonesia dan peraturan perundang-undangan yang force and the responsibility to take preventive action is berlaku serta tanggung jawab dalam melakukan tindakan limited to the authority of the Director of Compliance; pencegahan tersebut terbatas pada kewenangan Direktur Kepatuhan; 7. Melakukan tugas-tugas lainnya yang terkait dengan fungsi 7. Conducting other duties related to compliance function, kepatuhan, antara lain adalah memantau dan menjaga such as monitoring and maintaining commitment to the kepatuhan terhadap komitmen kepada Otoritas Jasa Financial Services Authority/Bank Indonesia and other Keuangan/Bank Indonesia maupun otoritas pengawas supervisory authorities. lainnya yang berwenang. Indikator Kepatuhan 2015 Compliance Indicator in 2015 1. Bank Sinarmas terpilih sebagai Entitas Utama Grup 1. Bank Sinarmas was selected as Main Entity of Sinarmas Sinarmas melalui Surat Otoritas Jasa Keuangan No.S-95/ Group through Financial Services Authority (OJK) PB.33/2015 tanggal 1 Oktober 2015 tentang Penetapan Letter No. S-95/PB.33/2015 on October 1, 2015 on the PT. Bank Sinarmas Tbk. sebagai Entitas Utama Grup Stipulation of PT. Bank Sinarmas Tbk. as Main Entity of Sinarmas, hal ini merupakan kepercayaan sekaligus Sinarmas Group. This initiation was a form of trust and tanggung jawab yang harus ditunjukkan dengan responsibility that must be displayed through exemplary penerapan Tata Kelola dan Manajemen Risiko yang baik. implementation of Good Corporate Governance and Risk 2. Hasil Self Assessment pelaksanaan Good Corporate Governance (GCG) pada Bank Sinarmas posisi semester Management. 2. Results of Self Assessment from Good Corporate I dan semester II Tahun 2015 berada pada peringkat 2 Governance (GCG) for Bank Sinarmas at semester I “baik” hal ini mencerminkan Manajemen Bank telah and semester II of 2015 were on rank 2 “good”. This melakukan penerapan Good Corporate Governance yang achievement reflects how the Management has properly secara umum baik. implemented Good Corproate Governance in general. Aktivitas Kepatuhan 2015 Compliance Activity in 2015 Sebagai bentuk komitmen terhadap ketentuan PBI No. 13/2/ As a commitment to the regulations of PBI No. 13/2/PBI/2011 PBI/2011 tanggal 12 Januari 2011, Bank Sinarmas menyusun on January 12, 2011, Bank Sinarmas composed the 2015 Compliance Framework sepanjang 2015 sebagai berikut: Compliance Framework as follows: I. Pelaksanaan Fungsi Kepatuhan I. The Implementation of Compliance Function 1. Mendorong terwujudnya Budaya Kepatuhan pada 1. Encouraging the realization of Compliance Culture on semua tingkatan organisasi dan kegiatan usaha Bank. all Bank’s organization levels and business activities. Dalam rangka mendorong terwujudnya budaya In order to promote the establishment of compliance kepatuhan pada seluruh organisasi melakukan culture in all organizational units, the Company kegiatan sosialisasi kepada seluruh jenjang organisasi conducts dissemination to all organizational levels yang materinya berisikan ajakan, arahan untuk with materials containing invitation, guidance to meningkatkan kesadaran, pemahaman dan kepedulian increase awareness, understanding and care on the terhadap penerapan budaya kepatuhan dalam semua implementation of compliance culture in all aspects: aspek: a. Sosialisasi secara tatap muka melalui program: a. Face-to-face dissemination through program such as: 1. Sosialisasi “35 Menit Bersama Compliance” 458 1. “35 Menit Bersama Compliance” yang materinya berisikan peran dan tugas dissemination, which contains compliance compliance, ajakan dan arahan untuk rules and duties, invitation and guidance berbudaya patuh, penerapan Good Corporate toward compliance culture, Good Corporate Governance, Tingkat Kesehatan Bank dan Governance implementation, Bank’s Health and pembahasan Komitmen Kepada regulator. discussion on Commitment to Regulators. Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility 2. Sosialisasi Ketentuan Baru, yaitu Laporan Keuangan Konsolidasi Consolidated Financial Statement 2. Dissemination of New Regulation, namely penyelenggaraan sosialisasi atas ketentuan- the spreading of new regulations issued by ketentuan baru yang diterbitkan oleh otoritas authorities 3. Disssemination on Anti-Money Laundering and 3. Sosialisasi Anti Pencucian Uang dan Prevention of Terrorism Funding (APU & PPT), Pencegahan Pendanaan Terorisme (APU & PPT), this dissemination contains regulations on APU sosialisasi ini berisikan ketentuan mengenai & PPT. Its implementation is conducted annually APU & PPT. Penyelenggaraannya dilakukan over time in all organizational lines. secara berulang-ulang setiap tahun ke seluruh jenjang lini organisasi. b. Sosialisasi melalui program “Coffee Time” sejenis b. Dissemination through “Coffee Time” program, buletin elektronik yang disampaikan kepada an electronic bulletin circulated in all organizational seluruh jenjang organisasi melalui e-mail blast levels through e-mail blast every Friday. Coffee setiap hari Jumat. Materi Coffee Time berisikan Time contains topics on SKK activities, Quiz kegiatan-kegiatan SKK, Quiz Perbankan yaitu Perbankan - a quiz with questions related with suatu kuis yang berisikan pertanyan-pertanyan activities or transactions in both internal and yang berhubungan dengan kegiatan-kegiatan atau external regulations, Teka Teki Silang, Acak Kata transaksi-transaksi yang terkait dengan ketentuan and Tau Perbankan; all of which are presented in internal maupun eksternal, Teka Teki Silang, Acak turns. Kata dan Tau Perbankan yang disajikan secara bergantian c. Sosialisasi melalui media buku komik yang berisikan c. Dissemination through short films, namely films mengenai kejadian kehidupan sehari-hari yang about activities that must be conducted or that are terkait dengan transaksi perbankan, disajikan prohibited in transaction. The films are screened in dalam bentuk komik yang mudah dipahami dan all offices as discussion topics. dicerna oleh pembacanya. Peluncuran Buku Seri Komik Perbankan “8 Catatan Bankir @ Work” Annual Report 2015 | PT. BANK SINARMAS Tbk. Book Launching of Comic Banking“8 Catatan Bankir @ Work” 459 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report 2. Mengelola Risiko Kepatuhan SKK melakukan pemantauan terhadap tingkat PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis 2. Managing Compliance Risk SKK unit monitors compliance rate on prevailing kepatuhan atas ketentuan yang berlaku terkait prinsip regulations, in relation with prudential banking principles prudential banking (antara lain CAR, ROA, ROE, PDN, (such as CAR, ROA, ROE, PDN, BMPK, NPL, LDR). BMPK, NPL, LDR). 3. Memastikan seluruh kebijakan, ketentuan, sistem dan 3. Ensuring that all policies, regulations, system and prosedur serta kegiatan usaha yang dilakukan Bank procedures and business activities conducted by the telah sesuai dengan ketentuan regulator dan peraturan Company has been in line with regulator’s rules and perundangan yang berlaku, yaitu dengan melakukan: regulations in force through: a. Review kepatuhan, melakukan review terhadap a. Review on compliance, namely conducting review rancangan kebijakan dan prosedur baru yang on drafts of new policy and procedures submitted by diajukan oleh unit kerja pembuat kebijakan, dan policy-making work unit and provide opinion on credit juga memberikan opini atas pemberian kredit granting that exceeds a certain amount; diatas jumlah tertentu; b. Melakukan analisis dampak peraturan eksternal b. Analyze the impact of external regulations issued by yang baru diterbitkan oleh Regulator; the Regulator; c. Melakukan review terhadap rencana penerbitan c. Review the plan on the release of new products or produk atau aktivitas baru; activities d. Melakukan review terhadap kecukupan kebijakan d. Review the adequacy of internal policy in line with the internal seiring dengan peningkatan usaha bank. 4. Memantau dan menjaga Kepatuhan Bank terhadap Company’s business improvement. 4. Monitoring and preserving the Company’s Compliance komitmen pada regulator. Pemantauan terhadap to the regulator. The monitoring on commitment to the komitmen pada regulator dan otoritas pengawas regulator and other supervising authorities is conducted by lainnya dilakukan dengan memonitor dan monitoring and submitting commitment to the regulator menyampaikan komitmen ke regulator sesuai dengan in accordance with the scheduled target completion date. target date pemenuhannya. II. Pengendalian Intern Pelaksanaan pengelolaan pengendalian internal yang II. Internal Control The implementation of internal control management dilakukan SKK yaitu melalui review compliance dan conducted by SKK is realized through compliance review compliance check list terhadap aktivitas operasional di and compliance check list of operational activities in tingkat Divisi/Kantor Wilayah/Kantor Cabang. Tujuan dari Division/Regional Office/Branch Office levels. The purpose pelaksanaan compliance check list adalah untuk menilai of compliance check-list is to assess the compliance of kepatuhan aktivitas bisnis dan operasional terhadap business and operational activities with internal and ketentuan internal dan eksternal. external regulations. Dalam pelaksanaannya, pengelolaan pengendalian internal meliputi aktivitas : 1. Review Rutin review rutin merupakan review yang bersifat In its implementation, internal control management consists of the following activities: 1. Routine Review Routine review is a preventive (ex-ante) review conducted pencegahan/ preventif (ex-ante) yang dilakukan by SKK unit on the Company’s critical business/operational oleh SKK atas aktivitas bisnis/operasional Bank yang unit activities in a periodical manner. The review is aimed kritikal secara periodik, untuk menilai kepatuhan to assess operational unit’s compliance in conducting its unit operasional dalam pelaksanaan fungsi-fungsi main functions with the prevailing regulations in order to utamanya sesuai dengan ketentuan yang berlaku conduct early risk mitigation. sehingga dapat dilakukan mitigasi risiko secara dini. 460 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance 2. Review Insidentil merupakan review yang dilakukan sehubungan Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement 2. Incidental Review Incidental Review is a review which was carried out in dengan adanya informasi ketidakpatuhan, kasus dan/ connection with the existing information of disobedience, atau isu-isu strategis lainnya. Review Insidentil terdiri cases and/or other strategic issues. Incidental Review dari: consists of: a. Review mendadak a. Sudden Review merupakan review yang dilakukan dengan fokus A review which was carried out with focus on terhadap aktivitas/transaksi tertentu berdasarkan certain activity/transaction based on professional professional judgement Divisi Compliance karena judgment from Compliance Unit due to indication of adanya indikasi permasalahan yang dijumpai pada encountered problems by the time of ex-ante review saar review ex-ante. b. Review khusus b. Special Review merupakan review yang dilakukan sehubungan A review which was carried out in connection with dengan adanya pelanggaran terhadap ketentuan, the existence of violation on provisions, policies and kebijakan, dan prosedur yang berpotensi procedures which potentially may cause loss for the menimbulkan kerugian Bank baik secara langsung Bank either directly or indirectly with the purpose to maupun tidak langsung dengan tujuan untuk find out the chronology of such violation, the causes, mengetahui kronologis terjadinya pelanggaran, impact on Bank and personnel loss that is suspected to sebab-sebab terjadinya, dampak kerugian Bank. be related to the violation on provision. c. Review issue c. Issue Review Review yang dilaksanakan karena adanya A review which was carried out due to the existence of permasalahan/issue strategis yang terjadi di problems/strategic issues that occurred within several beberapa unit kerja dan mempunyai dampak yang working units and may have a significant impact for cukup signifikan bagi Bank secara keseluruhan the Company as a whole. III. Implementasi Program Anti Pencucian Uang & III. Implementation of Anti-Money Laundering (AML) Pencegahan Pendanaan Terorisme melalui Penerapan & Prevention of Terrorism Financing through Know Know Your Customer (KYC) Your Customer (KYC) Dalam menjalankan kegiatan usaha, Perseroan In implementing business activities, the Company menghadapi berbagai risiko usaha dan untuk mengurangi faces various business risks, and to overcome it, the risiko usaha tersebut Perseroan menerapkan prinsip kehati- Company implements prudential principles. One of the hatian. Salah satu prinsipnya adalah melalui penerapan principles is through the implementation of Anti Money program Anti Pencucian Uang (APU) dan Pencegahan Laundering (APU) and Prevention of Terrorism Financing Pendanaan Terorisme (PPT) yang merupakan bagian dari (PPT) that are parts of the overall bank risk management penerapan manajemen risiko bank secara keseluruhan. implementation. Hal ini diterapkan karena pada awal Juli 2009 lalu, Bank This is implemented as at the start of last July 2009, Bank Indonesia telah menerbitkan Peraturan Bank Indonesia Indonesia has issued Bank Indonesia Regulation No.11/28/ No.11/28/PBI/2009 tentang Penerapan Program APU dan PBI/2009 concerning the Implementation of APU and PPT bagi Bank Umum. Ketentuan tersebut merupakan PPT Program for Commercial Banks. The regulation is penyempurnaan dari PBI No.3/10/PBI/2001, tentang the improvement of PBI No.3/10/PBI/2001 concerning Penerapan Prinsip Mengenal Nasabah (Know Your the Implementationof Know Your Customer Principles, Principles), dimana sesuai dengan ketentuan baru yakni in which according to the new regulation, namely PBI PBI No. 14/27/PBI/2012 tentang Penerapan Program APU No.14/27/PBI/2012 concerning the Implementation of APU dan PPT bagi Bank Umum istilah KYC diubah menjadi Program and PPT for Commercial Bank, KYC term changed CDD (Customer Due Diligence). Penyempurnaan itu to CDD (Customer Due Diligence). The improvement dilakukan dalam rangka penyesuaian terhadap standar was conducted to adjust it to a more comprehensive internasional yang lebih komprehensif dalam upaya international standard to support the prevention of money mendukung pencegahan tindak pidana pencucian uang laundering and prevention of terrorism financing. dan pencegahan pendanaan terorisme. Annual Report 2015 | PT. BANK SINARMAS Tbk. 461 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Dalam pelaksanaannya, ada beberapa hal yang dilakukan In its practice, there are several things that the Company oleh Perseroan, yang merupakan pilar dalam pelaksanaan performs which relate to the implementation of APU/PPT, APU/PPT tersebut, antara lain: among others: • Pengawasan aktif Direksi dan Dewan Komisaris • Active supervision of the Board of Directors and Board of Commissioners • Kebijakan dan prosedur • Policy and procedure • Pengendalian internal • Internal control • Sistem Informasi Manajemen • Management Information System • Sumber Daya Manusia dan pelatihan • Human Resources and training Efektivitas penerapan prinsip APU dan PPT Perseroan The effectiveness of the Company’s APU and PPT is monitored dipantau oleh Unit Kerja Pengenalan Nasabah (UKPN) by Work Unit of Customer Identification (UKPN) in a di dalam Satuan Kerja Kepatuhan. Dalam menjalankan Compliance Working unit. In performing its duties, UKPN tugasnya UKPN melapor dan bertanggung langsung reports and directly reports to the Compliance Director Kepada Direktur Kepatuhan sesuai dengan Peraturan Bank according to Bank Indonesia’s Regulation. Indonesia. Kesimpulan Umum Hasil Self Assessment Pelaksanaan General Summary of Self-Assessment Results of GCG GCG Implementation Peringkat / Rank Individual 462 2 Definisi Peringkat / Rank Definition Mencerminkan Manajemen Bank telah melakukan penerapan Good Corporate Governance yang secara umum baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip-prinsip Good Corporate Governance. Apabila terdapat kelemahan dalam penerapan prinsip Good Corporate Governance, maka secara umum kelemahan tersebut kurang signifikan dan dapat diselesaikan dengan tindakan normal oleh manajemen Bank / Reflects that the Company’s Management has performed satisfying implementation of Good Corporate Governance. Should there be susceptibilities during the implementation, such issues are considered less significant and have been managed by conducting normal responses by the Company’s management. Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement SEKRETARIS PERUSAHAAN CORPORATE SECRETARY Sekretaris Perusahaan diangkat dan bertanggung jawab Corporate Secretary is appointed by and responsible to the pada Direktur Utama. Sekretaris Perusahaan memiliki 4 President Director. Corporate Secretary has 4 (four) main (empat) fungsi utama dalam rangka membantu tugas Direksi, functions in assisting the duties of the Board of Directors, yaitu sebagai Liason Officer (Corporate Communication), namely as a Liaison Officer (Corporate Communication), Compliance Officer, Investor Relation, serta Administrasi Compliance Officer, Investor Relation, as well as Document Dokumen dan Notulensi Rapat untuk memenuhi ketentuan Administration and Minutes of Meeting to meet the provision tata kelola perusahaan yang baik. of good corporate governance. Profil Sekretaris Perusahaan Corporate Secretary Profile Dodo Suyanto SEKRETARIS PERUSAHAAN Corporate Secretary Warga Negara Indonesia, 46 tahun. Bergabung dengan Indonesian citizen, 46 years old. He joined Bank Sinarmas Bank Sinarmas sejak 14 Januari 2013. Menjabat sebagai since January 14, 2013 and served as Corporate Secretary Sekretaris Perusahaan Bank Sinarmas sejak 1 Desember 2014 since December 1, 2014 pursuant to Decree of Board of berdasarkan Surat Keputusan Direksi No. 025/2014/PRESDIR Directors No. 025/2014/PRESDIR dated December 1, 2014. He tanggal 1 Desember 2014. Saat ini, beliau juga merangkap also concurrently served as Bank Sinarmas Legal Division Head. sebagai Legal Division Head Bank Sinarmas. Meraih gelar Sarjana Hukum di Universitas Airlangga pada He obtained Bachelor of Law degree in 1994 and Specialist of 1994 dan menyelesaikan pendidikan Spesialis Kenotariatan Notary in 2000 from Airlangga University in 2000. He started di Universitas Airlangga pada 2000. Mengawali karir sebagai his career as Legal Officer at PT Bank Permata Tbk from Legal Officer di PT Bank Permata Tbk tahun 1996 hingga 1996 until 2003, Bank DBS Indonesia from 2005 until 2007, 2003, PT Bank DBS Indonesia pada 2005 hingga 2007, Compliance Manager at PT Bank Rabobank International menjabat sebagai Compliance Manager di PT Bank Rabobank Indonesia from 2009 until 2011, and Compliance Manager at International Indonesia pada 2009 hingga 2011, dan menjabat PT AXA Mandiri Financial Services from 2012 until 2013. sebagai Compliance Manager pada 2012 hingga 2013 di PT AXA Mandiri Financial Services. Selain pendidikan formal, beliau juga mengikuti sejumlah In addition to formal education, he participated in trainings pelatihan diantaranya The 7 Habits of Highly Effective People such as The 7 Habits of Highly Effective People Book Sharing Book Sharing pada 1999, Power Leadership Program pada in 1999, Power Leadership Program in 2007 and acquired 2007, serta mendapatkan sertifikat BSMR Level 2 pada 2010. BSMR Level 2 certificate in 2010. Dasar Hukum Penunjukan Sekretaris Perusahaan Legal Basis of Appointment Berdasarkan ketentuan Bapepam Nomor KEP-63/PM/1996 Pursuant to Bapepam requirements No. KEP-63/PM/1996 and dan keputusan Direksi BEJ Nomor 339 Tahun 2001 mengenai JSE Directors Decision No. 339 of 2001 on the appointment of Annual Report 2015 | PT. BANK SINARMAS Tbk. 463 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis pembentukan Sekretaris Perusahaan, maka berdasarkan Corporate Secretary, based on Board of Directors Decision No. Keputusan Direksi No. 025/2014/PRESDIR tanggal 1 Desember 025/2014/PRESDIR dated December 1, 2014, the Company 2014, Perseroan menunjuk Dodo Suyanto sebagai Sekretaris appointed Dodo Suyanto as Corporate Secretary. The report Perusahaan, yang kemudian telah dilaporkan ke Otoritas Jasa had been submitted to Financial Services Authorities No. Keuangan No. SKL.290/2014/PRESDIR-CorSec&CorComm SKL.290/2014/PRESDIR-CorSec&CorComm dated December tanggal 1 Desember 2014. 1, 2014. Fungsi utama dari Sekretaris Perusahaan adalah untuk The main function of corporate secretary is to build the membangun citra Perseroan dan sebagai penghubung image of the Company and as a liaison to establish good dengan membangun komunikasi dan hubungan yang baik communication and relationships with Stakeholders. dengan para stakeholder. Sekretaris perusahaan memiliki Corporate secretary has access to the material and relevant akses terhadap informasi material dan relevan yang berkaitan information relating to the Company and the relevant dengan Perseroan dan perundang-undangan terkait. regulations. Tugas dan Tanggung jawab Duties and Responsibilities Berdasarkan Piagam Sekretaris Perusahaan PT. Bank Sinarmas Pursuant to Corporate Secretary Charter of PT. Bank Sinarmas Tbk., tugas dan tanggung jawab Sekretaris Perusahaan Tbk., Corporate Secretary has the following duties and sebagai berikut: responsibilities: 1. Mengikuti perkembangan Pasar modal, Perbankan, dan 1. Monitoring 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 and Listed Company as well as regulations existing to the respective areas. 2. Providing the public with any information needed by investors associated with the Bank. 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, 3. Providing input to the Board of Directors to comply with the prevailing regulations in the field of Capital Markets, Banking and Listed Company. 4. As a liaison between the Bank and Bank of Indonesia, Profesi Penunjang Pasar Modal & Otoritas Pasar Modal, Supporting Profession, Capital Market & Capital Market masyarakat dan pihak-pihak terkait lainnya. Authority, the public and other related parties; 5. Menyiapkan daftar khusus yang berkaitan dengan Direksi, 5. Preparing a list of particular relevance to the Board Dewan Komisaris, Pemegang Saham, dan anggota of Directors, Board of Commissioners, shareholders, keluarganya dalam Bank mencakup kepemilikan saham, and members of his family in the Bank include stock hubungan bisnis, dan peranan lainnya yang dapat ownership, business relationships, and other roles that can 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. give rise to a conflict of interest. 6. Making a list of shareholders, including the interests of 5% (five percent of the shares) or more. 7. Attending board meetings and meetings of the Board of Directors and the Board of Commissioners and prepare minutes of the meeting. 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 8. Responsible for the implementation of the General Meeting of Shareholders (AGM) and Extraordinary General Meeting of the Extraordinary Shareholders (EGM). 9. Making the Annual Report at the end of each year and disampaikan kepada pihak-pihak terkait lainnya paling submitted to other related parties no later than the end of lambat akhir Mei tahun berikutnya. May next year. 10.Membuat laporan-laporan lainnya yang ditujukan ke 10.Making other reports addressed to Bank Indonesia, the Bank Indonesia, Bursa Efek, Bapepam, Perbanas, UP3 dan Stock Exchange, Bapepam, Banks Association, UP3 and lainnya, seperti Laporan Perubahan Pengurus, Laporan others, such as the Statement of Changes in Board, Report Pemindahan Kantor, Laporan Realisasi Pembukaan Kantor. of Transfer of Office, Office Opening Realization Report. 464 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance 11.Membantu Direksi menyusun korespondensi (surat, Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement 11.Assisting the Board of Directors prepare correspondence memorandum, dan lainnya), baik untuk pihak internal (letters, memoranda, and other), both for internal (BOC, (Dewan Komisaris, Kantor Cabang, Unit-unit Kerja di Branch Office, Units Work in the Central Office). Kantor Pusat). 12.Menyusun Surat Keputusan, Surat Edaran, dan Surat-surat yang diterbitkan oleh Perusahaan. 12.Developing Decree, Circular, and letters issued by the Company. Berdasarkan Peraturan Otoritas Jasa Keuangan Nomor 35/ Pursuant to the Financial Services Authority Regulation POJ.04/2014 tentang Sekretaris Perusahaan Emiten atau No. 35/POJ.04/2014 on Corporate Secretary for Issuers or Perusahaan Publik, fungsi Sekretaris Perusahaan sebagai Public Companies, the following are functions of Corporate berikut: Secretary: 1. mengikuti perkembangan Pasar Modal khususnya 1. monitoring the development of capital markets, especially peraturan perundang-undangan yang berlaku di bidang the legislation in force in the capital market; Pasar Modal; 2. memberikan masukan kepada Direksi dan Dewan 2. providing input to the Board of Directors and Board of Komisaris Emiten atau Perusahaan Publik untuk mematuhi Commissioners of Public Listed Company to comply with ketentuan peraturan perundang-undangan di bidang Pasar laws and regulations in the capital market; Modal; 3. membantu Direksi dan Dewan Komisaris dalam 3. assisting the Board of Directors and the Board in the pelaksanaan tata kelola perusahaan yang meliputi: implementation of corporate governance include: a. keterbukaan informasi kepada masyarakat, termasuk a. disclosure to the public, including the availability of ketersediaan informasi pada Situs Web Emiten atau information on the website Public Company; Perusahaan Publik; b. penyampaian laporan kepada Otoritas Jasa Keuangan tepat waktu; c. penyelenggaraan dan dokumentasi Rapat Umum Pemegang Saham; d. penyelenggaraan dan dokumentasi rapat Direksi dan/ atau Dewan Komisaris; dan b. submission of reports to the Financial Services Authority on time; c. implementation and documentation of the General Meeting of Shareholders; d. implementation and documentation of the Board of Directors meeting and / or the Board of Commissioners; and e. pelaksanaan program orientasi terhadap perusahaan bagi Direksi dan/atau Dewan Komisaris. e. orientation program execution against the company for the Board of Directors and / or Board of Commissioners. 4. sebagai penghubung antara Emiten atau Perusahaan 4. as a liaison between the Public Company by the Publik dengan pemegang saham Emiten atau Perusahaan shareholder or public company, the Financial Services Publik, Otoritas Jasa Keuangan, dan pemangku Authority, and other Stakeholders. kepentingan lainnya. Sekretaris Perusahaan memiliki misi untuk memenuhi dan Corporate Secretary’s missions are: Complying with all mematuhi segala peraturan-peraturan yang ditetapkan bagi regulations determined for Public Companies to the Financial Perusahaan Terbuka kepada Otoritas Jasa Keuangan, Bursa Services Authority, Indonesia Stock Exchange, KSEI, Bank Efek Indonesia, KSEI, Bank Indonesia, serta lembaga regulatif Indonesia, and other Regulators, and become an information yang lain dan menjadi gerbang media terkait informasi yang gate to publish corporate action, company performance or akan dipublikasikan terkait aksi korporasi, kinerja perusahaan, reduce negative news on the Company. ataupun meredam berita negatif mengenai Perseroan. Annual Report 2015 | PT. BANK SINARMAS Tbk. 465 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis PROFIL PERUSAHAAN Company Profile Korespondensi Correspondence Selama 2015, korespondensi baik rutin maupun non-rutin In 2015, the Company conducted the following routine and yang disampaikan Perseroan kepada Regulator adalah sebagai non-routine correspondences: berikut: Tabel informasi kuantitas korespondensi Sekretaris Perusahaan Table of information on correspondence quantity in 2015 2015 Keterangan / Description Jumlah / Total Laporan Bulanan Registrasi Pemegang Efek / Monthly Report on Securities Holder Registration 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 Laporan Keuangan Tahunan / Annual Financial Statements Rutin / Routine 1 Laporan Tahunan 2014 / Annual Repot 2014 Rutin / Routine 1 Laporan Keuangan Interim dan Long Form / Interim and Long Farm Financial Statements Rutin / Routine 4 Publikasi Laporan Keuangan / Financial Statements Punlication Rutin / Routine 4 Laporan Transaksi Afiliasi / Report on Affiliation Transaction Non Rutin / NonRoutine - Perubahan Corporate Secretary / Change of Corporate Secretary Non Rutin / NonRoutine - Laporan Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu / Report on Additional Capital Without Preemptive Rights Non Rutin / NonRoutine - Keterbukaan Informasi Terkait Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu / Information Disclosure on Additional Capital Without Preemptive Rights Non Rutin / NonRoutine - Perihal / About Komunikasi Eksternal External Communication Pemenuhan informasi bagi stakeholder, selalu menjadi Fulfillment of information for Stakeholders is the company’s prioritas perseroan. Oleh sebab itu, Perseroan mempermudah priority. Therefore, the Company allows for Stakeholders para stakeholder untuk mengakses informasi yang mereka to access the information they need through www. butuhkan melalui website www.banksinarmas.com, seperti banksinarmas. com website, such as annual reports, published laporan tahunan, laporan publikasi, laporan GCG, produk dan reports, corporate governance reports, and other products. lain sebagainya. Selama 2015, Perusahaan mengeluarkan beberapa siaran pers During 2015, the Company issued several press release with dengan rincian sebagai berikut: details as follows: Tabel komunikasi eksternal Sekretaris Perusahaan Table of information on external communication of Corporate Secretary Judul / Title Rapat Umum Pemegang Saham Biasa (RUPSLB) PT. Bank Sinarmas Tbk. / Extraordinary General Meeting of Shareholders (EGMS) of PT. Bank Sinarmas Tbk. Kinerja PT. Bank Sinarmas Tbk. Selama Tahun 2014 / Performance of PT. Bank Sinarmas Tbk. in 2014 466 Tanggal / Date Maret 2015 / March 2015 Juni 2015 / June 2015 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Judul / Title Tanggal / Date “Secangkir Kebahagiaan” Bank Sinarmas Berbagi Semangat Ramadhan dan Idul Fitri / Bank Sinarmas Shared the Spirit of Ramadhan and Eid Al Fitr Juli 2015 / July 2015 Sinarmas MSIG Life Hadirkan Solusi Inovatif SIMPOL Medical, Dukung Perencanaan Masa Depan Keuangan Keluarga Bersama Bank Sinarmas Luncurkan Produk Bancassurance dengan Nilai Pertanggungan hingga 1,9 M dan Portofolio Investasi Beragam / Sinarmas MSIG Life Presented Innovative Solution SIMPOL Medical, and Supported Financial Planning for the Family with Bank Sinarmas by Launching Bancassurance Product with Coverage Value up to 1.9 M and a Wide Variety of Investment Portfolio September 2015 / September 2015 Bank Sinarmas Siap Fasilitasi TKI / Bank Sinarmas To Facilitate TKI November 2015 / November 2015 Dukung Program JARING, Bank Sinarmas Fokus Biayai Usaha Perikanan dan Kelautan / Bank Sinarmas Focuses on Marine and Fishing Industry By Supporting JARING Program November 2015 / November 2015 Bank Sinarmas Catat Pertumbuhan Kredit dan Fee Based / Bank Sinarmas Recorded Growth in Credit and Fee-Based | November 2015 November 2015 / November 2015 Komunikasi Internal Internal Communication Dalam melakukan Komunikasi Internal kepada seluruh In conducting Internal Communication to all employees, the karyawan, Perseroan menggunakan berbagai media antara Company uses a variety of media including: lain: 1. Lensa Berita 1. Lensa Berita Media Perseroan untuk menyebarkan berita-berita terbaru The Company’s media to spread the latest news and dan kegiatan yang telah dilakukan oleh Perseroan melalui activities that have been carried out by the Company e-mail untuk disebarkan kepada seluruh kayawan. Lensa by e-mail to be spread to the employees. Lensa Berita is Berita terbit setiap hari Rabu di setiap minggunya. Pada published every Wednesday in every week. In 2015, Lenses 2015, Lensa Berita telah menerbitkan 53 edisi. News has published 53 editions. 2. Pesan Manajemen 2. Message from Management Pesan langsung yang dikirimkan oleh Manajemen kepada Direct messages sent by the Management to all seluruh karyawan. Pesan ini terkait mengenai budaya employees. The messages are related to work culture, kerja, informasi perkembangan Perseroan, maupun information on the progress of the Company’s motivasi. Sepanjang 2015, Manajemen lebih menekankan development, as well as motivation. Throughout 2015, kepada sosialisasi visi, misi dan objektif Perseroan kepada the Management emphasized on dissemination of seluruh karyawan. the Company’s vision, mission and objectives to the employees. 3.Artikel 3. Articles Kutipan artikel dari salah satu surat kabar yang Quotes from articles from one of the nationwide berperedaran nasional, dimana artikel tersebut terbit setiap newspapers, in which the articles are published every minggu. Artikel tersebut bertujuan untuk memberikan Sunday. The articles are written to motivate, inspire and motivasi, menginspirasi, dan memberikan informasi- provide information on jobs. informasi yang berhubungan dengan dunia kerja. Annual Report 2015 | PT. BANK SINARMAS Tbk. 467 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Pelatihan Sekretaris Perusahaan Corporate Secretary Training Pada 2015, Sekretaris Perusahaan telah mengikuti berbagai In 2015, Corporate Secretary has attended various trainings to pelatihan dalam rangka untuk meningkatkan kemampuan dan increase his capacity and competency in the field as follows: kompetensi pada bidangnnya, sebagai berikut: Tabel Pelatihan Sekretaris Perusahaan No Tanggal / Dated 1 17 April 2015 / April 17, 2015 2 3 Table of Corporate Secretary Training Training Penyelenggara / Organizer Tempat / Location Overview of Indonesian Capital Market - Securitas Sinarmas Sinarmas Sekuritas Sinarmas Land Plaza, Jakarta 12 Agustus 2015 / August 12, 2015 Training Corporate Governance OJK Menara Merdeka, Jakarta 23 Oktober 2015 / October 23, 2015 Governance of Risk Indonesian Institute For Corporate Directorship Sinarmas Land Plaza, Jakarta KANTOR AKUNTAN PUBLIK PUBLIC ACCOUNTING FIRM Melalui RUPS pada tanggal 24 Maret 2015 dan 12 Juni 2015, Pursuant to the AGM on March 24, 2015 and June 12, 2015, bertempat di Sinar Mas Land Plaza, Tower II, Lantai 39, Ruang at Sinar Mas Land Plaza, Tower II, Floor 39, Paseo Room, Paseo, Jalan MH Thamrin Nomor 51,di Jakarta, menyetujui Jalan MH Thamrin Number 31, in Jakarta, the Bank approved untuk menunjuk KAP Moore Stephens guna melakukan the appointment of KAP Moore Stephens to perform the Audit Umum Laporan Keuangan Bank Sinarmas 2014 untuk General Audit of Financial Statements Bank Sinarmas 2014 to melakukan Audit Umum atas Laporan Keuangan PT. Bank conduct the General Audit of Financial Statements of PT. Bank Sinarmas Tbk. per 31 Desember 2014. Sinarmas Tbk. as of December 31, 2014. Kantor Akuntan Publik KAP Moore Stephens merupakan Public Accounting Firm (KAP) Moore Stephens is a KAP KAP yang terdaftar sebagai Auditor Bank di Otoritas Jasa registered as Bank Auditor in the Financial Services Authority. Keuangan. Bank Sinarmas menunjuk KAP tersebut untuk Bank Sinarmas appointed the KAP to perform general audit melaksanakan audit umum laporan keuangan Bank Sinarmas for the financial statements of the Bank Sinarmas 2015, that 2015, yang dalam penugasannya memenuhi aspek berikut: the assignment meets the following aspects: • Kapasitas KAP yang ditunjuk • Capacity • Legalitas perjanjian kerja • Legality of work agreement • Ruang lingkup audit • Audit coverage • Standar profesional akuntan publik • Professional public accountant standards • Komunikasi Bank Indonesia dengan KAP dimaksud • Communication between Bank Indonesian with the aforementioned KAP Periode Kantor Akuntan Publik dan Akuntan Publik Terms of Public Accountant Firm and Public Accountant Sesuai Peraturan PBI 3/22/PBI/2001 tentang Transparansi Pursuant to PBI 3/22 / PBI / 2001 on Transparency of Kondisi Keuangan Bank, penunjukkan KAP yang sama hanya Financial Condition of the Bank, KAP same designation bisa dilakukan selama lima tahun berturut-turut kecuali jika can only be done for five consecutive years unless it meets memenuhi kondisi tertentu dan dilaksanakan atas persetujuan certain conditions and carried out with the approval of Bank Bank Indonesia. Berikut adalah Kantor Akuntan Publik yang Indonesia. The following are a public accounting firm to audit melakukan audit Laporan Keuangan Bank Sinarmas selama 3 the financial statements of Bank Sinarmas for 3 (three) years: (tiga) tahun terakhir: 468 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tabel informasi akuntan publik Tahun / Year Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Table of information on public accountant Kantor Akuntan Publik / Public Accounting Firm Nama Akuntan (Perorangan) / Accountant Name (Individual) 2015 KAP Moore Stephens Mulyamin Sensi Suryanto dan Lianny 2014 KAP Moore Stephens Mulyamin Sensi Suryanto dan Lianny 2013 KAP Moore Stephens Mulyamin Sensi Suryanto dan Lianny 2012 KAP Moore Stephens Mulyamin Sensi Suryanto dan Lianny 2011 KAP Moore Stephens Mulyamin Sensi Suryanto dan Lianny SISTEM PENGENDALIAN INTERNAL INTERNAL CONTROL SYSTEM Seluruh manajemen dan karyawan memiliki peran dan Management and employees have their own roles and tanggung jawab dalam meningkatkan kualitas dan responsibilities in improving the quality and implementation pelaksanaan sistem pengendalian intern. Pengendalian of internal control system. Internal control is carried out by internal dilakukan oleh unit bisnis dengan mengacu business unit by referring to the determined policies and pada kebijakan dan prosedur yang telah ditetapkan. procedures. To ensure that the policies and procedures have Untuk memastikan bahwa kebijakan dan prosedur telah been implemented, the Internal Audit Unit conducts periodic dilaksanakan, maka Satuan Kerja Audit Internal melakukan review with predetermined scope of evaluation aspect. proses review secara periodik dengan cakupan aspek Objectives of internal control system are, namely: pemeriksaan yang telah ditentukan sebelumnya. Tujuan penerapan sistem pengendalian internal adalah untuk: • Menjaga dan mengamankan harta kekayaan Bank; • Maintaining and securing Bank’s wealth; • Menjamin tersedianya laporan yang lebih akurat dan tepat • Assuring the availability of a more accurate and timely waktu; • Meningkatkan kepatuhan terhadap ketentuan yang berlaku, baik ketentuan internal maupun eksternal; • Mengurangi dampak keuangan/kerugian, penyimpangan termasuk kecurangan fraud, dan pelanggaran aspek report; • Improving the compliance with the prevailing provisions, both internal and external circumstances; • Reducing financial impact/loss, violations, including fraud, and prudence aspect violation; and kehati-hatian; dan • Meningkatkan efektivitas organisasi dan meningkatkan • Improving organization effectiveness and cost efficiency. efisiensi biaya. Sistem Pengendalian Keuangan dan Operasional Financial and Operational Control System Dalam rangka pengelolaan Bank secara efektif dan efesien, In order to create effective and efficient Bank management, serta sebagai dasar kegiatan operasional yang sehat dan as well as serving as the basis of safe and sound operational aman, Bank telah menerapkan suatu Sistem Pengendalian activity, the Bank has determined an Internal Control System. Internal. Keberadaan SKAI bertanggung jawab untuk The IAU is responsible for assisting the Bank’s management in membantu menajemen Bank memastikan bahwa penerapkan ensuring that the implementation of internal control has been internal control cukup memadai dan telah berjalan adequate and as expected. sebagaimana mestinya. Sebagaimana diatur dalam Peraturan Bank Indonesia nomor As regulated in Bank Indonesia Regulation No. 5/8/ 5/8/PBI/2003 tanggal 19 Mei 2003 tentang Penerapan PBI/2003 dated May 19, 2003 on the Implementation of Manajemen Risiko Bagi Bank Umum dan PBI No. 11/25/ Risk Management for Commercial Bank and PBI No. 11/25/ PBI/2009 tanggal 1 Juli 2009 (Perubahan atas PBI No.5/8/ PBI/2009 dated July 1, 2009 - amendment to PBI No.5/8/ PBI/2003) tentang Penerapan Manajemen Risiko bagi Bank PBI/2003 on the Implementation of Risk Management for Umum, Bank Indonesia juga menerbitkan ketentuan dalam SE Commercial Bank, Bank Indonesia also issued Circular Letter Annual Report 2015 | PT. BANK SINARMAS Tbk. 469 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis No.5/22/DPNP tanggal 29 Desember 2003 perihal Pedoman No. 5/22/ DPNP dated December 29, 2003 on Standard Standar Sistem Pengendalian Intern bagi Bank Umum yang Guidelines for the Internal Control System for Commercial mewajibkan setiap Bank umum menyusun Pedoman Sistem Bank, which obliges every commercial bank to set their own Pengendalian Intern yang sekurang-kurangnya mencakup 5 Guidelines on the Internal Control System consisting at least 5 (lima) elemen pokok, yaitu: (five) core elements such as: • Pengawasan oleh Manajemen dan kultur pengendalian • Supervision by Management and Control Culture • Indentifikasi dan penilaian risiko • Risk Identification and Assessment • Kegiatan pengendalian dan pemisahan fungsi • Controlling Activities and Segregation of Duties • Sistem Akuntansi, infromasi, dan komunikasi • Accounting system, information and communication • Kegiatan pemantauan dan tindakan koreksi • Monitoring activities and correcting deficiencies. penyimpangan/kelemahan. Bank Sinarmas kemudian menetapkan kelima poin di atas Bank Sinarmas has stipulated the points into the guidelines, dalam pedoman yang telah ditetapkan oleh Komisaris dan which are set forth by the Commissioners and Directors Direksi dalam Surat Keputusan No.0020001.095 tanggal on Decree No.0020001.095 dated December 15, 2004 on 15 Desember 2004 perihal Pedoman Sistem Pengendalian Guidelines of Internal Controlling System. The guidelines cover Internal. Pedoman mencakup sistem pengendalian keuangan financial and operational control system in Bank Sinarmas, dan operasional yang ada di Bank Sinarmas serta menjadi as well as serving as references to all management and acuan bagi seluruh jajaran Bank dalam melakukan aktivitas employees in carrying out daily operational activities. operasional sehari-hari. Kesesuaian Sistem Pengendalian Internal dengan Internal Control System Conformity to COSO Framework Kerangka COSO Sistem pengendalian keuangan dan operasional Bank Financial and operational control system of Bank Sinarmas is Sinarmas sejalan dengan sistem pengendalian internal in line with internal control system according to Committee menurut Committee of Sponsoring Organization of the of Sponsoring Organization of the Tradeway Commission Tradeway Commission (COSO). Sistem pengendalian (COSO). This control system covers various policies, tersebut mencakup berbagai kebijakan, prosedur, kegiatan procedures, monitoring and communication activities, as well pemantauan dan komunikasi, serta standar perilaku dan as standards of conduct, and initiatives that are aimed to: berbagai inisiatif yang ditujukan untuk: • Mengamankan aset (security objectives) • Secure the assets (security objectives) • Mengupayakan efisiensi dan efektivitas operasi Bank • Strive for efficiency and effectiveness of Bank Sinarmas Sinarmas (operational objectives) • Mengembangkan keandalan dan kelengkapan informasi operation (operational objectives) • Develop reliability and completeness of accounting/ akuntansi/finansial dan manajemen (information financial information and management (information objectives); serta objectives); and • Menjamin kepatuhan terhadap kebijakan dan prosedur • Ensure compliance with policies and procedures, as well as serta peraturan perundangan yang berlaku (compliance the prevailing laws and regulations (compliance objectives). objectives). Evaluasi atas Efektivitasi Sistem Pengendalian Internal Evaluation of Effectiveness of Internal Control System Bank Sinarmas senantiasa melakukan evaluasi secara berkala Bank Sinarmas periodically evaluates the financial and terhadap sistem pengendalian keuangan dan operasional operational control system as a basis for the Company to sebagai salah satu fondasi bagi Perseroan untuk terus continuously improve the control system that will boost the melaksanakan perbaikan dan penyempurnaan sistem growth of the Bank. The evaluation is carried out to financial pengendalian yang dapat meningkatkan pertumbuhan Bank. statements of the Company. Evaluasi tersebut salah satunya dilakukan melalui laporan keuangan Perseroan. 470 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Dalam melakukan evaluasi, perusahaan menggunakan kriteria In evaluating, the Company adopts the criteria that have been yang telah ditetapkan oleh Internal Control - Integrated defined by Internal Control - Integrated Framework issued by Framework yang telah dikeluarkan oleh COSO. Berdasarkan COSO. Based on this evaluation, the Board of Commissioners penilaian ini, Dewan Komisaris dan Direksi menyimpulkan and Board of Directors concluded that until December 31, bahwa hingga tanggal 31 Desember 2015, sistem 2015, internal control system of the Company on financial pengendalian internal Perseroan atas laporan keuangan telah statements has been implemented effectively. berjalan dengan efektif. PERKARA PENTING YANG DIHADAPI BANK SINARMAS LEGAL CASES FACED BY BANK SINARMAS Perkara Penting yang Dihadapi Direksi dan Dewan Legal Cases faced by the Board of Directors and Board of Komisaris Commissioners Sepanjang tahun 2015, tidak ada perkara penting baik Throughout 2015, there were no legal cases, both civil and/or perkara perdata dan/atau pidana yang dihadapi oleh Dewan criminal, faced by the Board of Commissioners and Board of Komisaris dan Direksi Perseroan yang menjabat pada periode Directors of the Company serving in the period of December 31 Desember 2015. 31, 2015. Permasalahan Hukum Legal Cases Pada tahun 2015 Perseroan menghadapi permasalahan In 2015, the Company faced legal cases regarding lawsuit hukum berupa gugatan perdata, dimana Perseroan sebagai on civil case, in which the Company as the defendant went pihak tergugat melalui proses hukum. through legal proceedings. Jumlah / Total Permasalahan Hukum / Legal Case Perdata / Civil Pidana / Criminal 2014 2015 2014 2015 Perkara yang Telah Selesai (Mempunyai Kekuatan Hukum Tetap) / Resolved (Having Permanent Legal force) 1 3 - - Perkara Dalam Proses Penyelesaian / On Progress 1 - - - Di bawah ini adalah detail permasalahan hukum yang Below is the detail of legal problems faced by Bank Sinarmas dihadapi oleh Bank Sinarmas selama tahun 2015: throughout 2015: No. 1 No. Perkara/ Gugatan / Case/ Lawsuit No.xxx/PDTG/2014/ PN.KD Kantor Cabang / Branch Office KC KUDUS Annual Report 2015 | PT. BANK SINARMAS Tbk. Uraian Perkara / Case Description Gugatan didasari atas sengketa tanah waris yang dialami oleh penggugat dengan ahli waris lainnya. Dalam perkara ini Perseroan menjadi turut tergugat / Lawsuit was based on the dispute of heirs’ land property experienced by the plaintiff with the other heirs. In this case, the Company became the defendant Perkembangan Perkara / Case Development Sanksi Administratif Sudah terdapat Putusan Pengadilan Negeri Kudus yang menyatakan gugatan dari Penggugat dinyatakan DITOLAK pada tahun 2014 Tidak ada / None / Judgement was made by the District Court of Kudus stating that the lawsuit from the Plaintiff was declared REJECTED in 2014 471 KILAS KINERJA 2015 Flashback Performance of 2015 No. 2 3 No. Perkara/ Gugatan / Case/ Lawsuit No.xxx/Pdt.G/2015/ PN.Slt No.xxx/PDTG/2014/ PN.KDI LAPORAN Manajemen Management Report Kantor Cabang / Branch Office KC SALATIGA KC KENDARI ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis PROFIL PERUSAHAAN Company Profile Perkembangan Perkara / Case Development Uraian Perkara / Case Description SELESAI / DONE Permasalahan ini Gugatan didasari atas pelaksanaan sudah diputus oleh hak Perseroan selaku Kreditur atas Pengadilan Negeri jaminan karena penggugat tidak Salatiga melalui Akta dapat menyelesaikan kewajibannya Perdamaian pada / Lawsuit was based on the tahun 2015. / This implementation of rights of the case was resolved Company as a Creditor on the by District Court of guarantee because the plaintiff Salatiga through fails to fulfill its liability. Deed of Settlement in 2015. Sanksi Administratif Tidak ada / None SELESAI / DONE Sudah terdapat Putusan Pengadilan Negeri Kendari yang menyatakan gugatan dari Penggugat dinyatakan DITOLAK pada tahun 2015. Tidak ada / None / Judgement was made by the District Court of Kudus stating that the lawsuit from the Plaintiff was declared REJECTED in 2014. Gugatan didasari atas keberatan Penggugat selaku Pihak Ketiga yang berkepentingan atas suatu barang yang merupakan jaminan Perseroan / Lawsuit was based on the Plaintiff’s objection as the Third Party that has the interest on a property that was guaranteed by the Company Dampak Permasalahan Hukum Bagi Perseroan Impact of Legal Cases on the Company Dampak permasalahan hukum yang dihadapi oleh Perseroan Legal cases faced by the Company did not significantly impact tidak berdampak signifikan terdahap kegiatan usaha karena on business activities as the Company did not do legal risk Perseroan telah berupaya melalukan proses mitigasi risiko mitigation process conducted by Legal Unit. hukum yang dilakukan oleh Unit Legal. UNIT LEGAL LEGAL UNIT Sehubungan dengan perkembangan bisnis Perseroan yang In connection with the Company’s business development that semakin hari memiliki kompleksitas transaksi bisnis yang gets more complex in various business transactions and in the berbeda-beda dan dalam rangka mewujudkan budaya taat effort to realize a comply-with-law culture in all officials of the hukum pada seluruh pejabat Perseroan, unit legal telah Company, the legal unit has conducted preventive actions on melakukan beberapa upaya pencegahan (tindakan preventif) various legal cases and legal risk potential in the Company’s terhadap berbagai permasalahan hukum serta potensi risiko business activities, among others: hukum dalam kegiatan usaha Perseroan, antara lain: 1. Melakukan tindakan preventif 1. Doing preventive action a. Legal Review a. Legal Review Identifikasi risiko hukum dalam rangka tindakan dan Identification of legal risk for any action and decision keputusan yang diambil oleh Perseroan, baik dalam taken by the Company, be it for the giving of credit rangka pemberian fasilitas kredit, maupun kerjasama facility and cooperation with other parties. dengan pihak lain. 472 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility b. Legal Advice b. Legal Advice Diskusi interaktif dengan seluruh unit kerja Perseroan Laporan Keuangan Konsolidasi Consolidated Financial Statement Interactive discussion with all work units of the Company dalam rangka pemberian opini hukum dan bantuan to give legal opinion and assistance directly to legal cases hukum secara langsung terhadap permasalahan happened in the company. hukum yang terjadi di lapangan. c. Legal Awareness Action Plan tahunan unit legal dalam rangka c. Legal Awareness Annual action plan of legal unit to increase legal meningkatkan legal awareness di seluruh cabang awareness in all branches of the Company, which is Perseroan yang dilakukan bersama-sama dengan conducted together with UKPN, Service Quliaty and Anti UKPN, Service Quality dan Anti Fraud dengan Fraud by providing material on legal introduction and legal memberikan materi pengantar hukum dan cases discussion faced by each branch. This knowledge on pembahasan legal cases yang dihadapi oleh setiap legal is given to operational officers (Regional, Operation cabang. Bekal pengetahuan hukum ini diberikan Manager, Head of Operation, Supervisor, Branch Internal kepada pejabat-pejabat operasional (Regional Control, Teller, Customer Service) and is expected that Operation Manager, Head of Operation, Supervisor, the officials has the adequate competency and strong Branch Internal Control, Teller, Customer Service) understanding to mitigate or minimize the arising legal dan diharapkan pejabat-pejabat tersebut memilik cases. kompetensi dan pemahaman hukum yang cukup kuat untuk dapat memitigasi ataupun meminimalisir timbulnya permasalahan hukum. 2. Melakukan review kinerja pihak ketiga 2. Reviewing the third party’s performance Secara berkala Legal melakukan review atas kinerja pihak Periodically, legal unit reviews the performance of the ketiga dalam penyelesaian dokumen kredit dan dokumen third party in settling credit documents and other related terkait lainnya. documents. 3. Membina hubungan baik 3. Developing good relationship Selalu mengedepankan hukum dan menjalin hubungan Always putting forward laws and building good baik dengan instansi dan regulator dalam rangka relationship with institutions and regulators for law penegakkan hukum atas penanganan permasalahan enforcement on the handing of legal cases faced by the hukum yang dihadapi oleh Perseroan. Company. 4. Penguatan kompetensi 4. Strengthening of competency Personel unit legal Perseroan dipilih berdasarkan latar The personnel fo the Company’s legal unit is choosed belakang pendidikan hukum (minimal S1 Hukum). Upaya based on background of law education (minimum S1 Law). penguatan dan pengingkatan profesi legal terus dilakukan The effort of strengthening and improvement of legal oleh Perseroan, dengan melakukan workshop atau training profession is continuously conducted by the Company by secara berkala. carrying out workshops or training periodically. BUY BACK SHARES DAN BUY BACK OBLIGASI BANK SHARES BUY BACK AND BONDS BUY BACK Selama 2015, tidak terjadi buy back share dan/atau buy back There were no shares buy back and/or bonds buy back in the obligasi Bank pada Bank Sinarmas. Bank in 2015. Annual Report 2015 | PT. BANK SINARMAS Tbk. 473 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis PROFIL PERUSAHAAN Company Profile KODE ETIK DAN BUDAYA PERUSAHAAN CODE OF CONDUCT AND CORPORATE CULTURE Isi Kode Etik Code of Conduct Kode etik dan pedoman tingkah laku telah disosialisasikan dan The code of conduct has been disseminated and applied to all berlaku untuk seluruh bagian dari Bank Sinarmas. Termasuk divisions of Bank Sinarmas, including Board of Commissioners, Dewan Komisaris, Komite-komite dibawah Dewan Komisaris Committees under the Board of Commissioners and Board of dan Direksi, karyawan, para konsultan serta pihak lain yang Directors, employees, consultants and other parties who work bekerja dengan Bank Sinarmas, atau yang mewakili Bank with Bank Sinarmas, or that represent Bank Sinarmas directly Sinarmas secara langsung atau secara tidak langsung. or indirectly. Jika terjadi pelanggaran pedoman tingkah laku terhadap Any individual violation against the code of conduct, policies kebijakan dan prosedur Bank Sinarmas dan/atau ketentuan and procedures of Bank Sinarmas and/or the prevailing laws perundang-undangan yang berlaku, maka ia dapat dikenakan and regulations will be charged with disobedience, including tindakan indiscipliner, termasuk pemutusan hubungan kerja termination of employment. Violations of laws/regulations atau penghentian kerja. Pelanggaran terhadap hukum/ may also result in legal action and including fines, with regard undang-undang juga dapat berakibat tuntutan hukum dan to some things, criminal penalties for perpetrators, supervisors termasuk denda, berkenaan dengan beberapa hal, hukuman and/or the company. pidana untuk pelaku, atasan dan/atau perusahaan. Enam 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 Tanggung jawab kepada Bank Sinarmas / Responsibility to Bank Sinarmas #1 #3 #2 #2 Mewakili Bank Sinarmas dan pihak luar lainnya / Representing Bank Sinarmas and other external parties #3 Tanggung jawab tempat kerja / Responsibility in workplace #4 #5 Kegiatan Investasi / Investment #5 #6 #4 Kerahasiaan / Confidentiality #6 Kepatuhan pada Peraturan / Compliance to Regulation Pengungkapan bahwa Kode Etik Berlaku bagi Seluruh Disclosure on the Implementation of Code of Conduct Level Organisasi For All Organization Levels Kode etik berlaku bagi seluruh insan Perseroan, mulai dari Code of conduct is in effect for the Company’s people, Dewan Komisaris, Direksi, dan seluruh karyawan sebagai from Board of Commissioners, Board of Directors and the budaya kerja dalam aktivitas operasional sehari-hari. Selain employees as a work culture in daily operational activities. In 474 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Sebagai lembaga intermediasi dan lembaga kepercayaan, dalam melaksanakan kegiatan usaha Bank Sinarmas menganut prinsip keterbukaan, akuntabilitas, tanggung jawab independen, serta kesetaraan dan kewajaran. As an intermediary and trusted institution, Bank Sinarmas adopts principles of transparency, accountability, responsibility, independency, and fairness in implementing its business activities. itu, pihak eksternal yang berhubungan dengan Perseroan juga addition, all external parties with connection to the Company diwajibkan untuk mengikuti berbagai ketentuan yang ada di are obliged to comply with the prevailing regulations in dalam kode etik Perseroan. Guna mendukung penerapannya, the Company’s code of conduct. In order to support the Perseroan melakukan beberapa hal berikut: implementation, the Company conducts the following actions: • Pemberlakuan kewajiban mematuhi kode etik Perseroan • The enforcement of obligation to comply with the code of bagi seluruh insan Perseroan. conduct for the Company’s people • Sosialisasi dan pemahaman atas kode etik. • Dissemination and understanding of code of conduct • Manajemen Perseroan bertanggung jawab dan memberi • The Company’s management takes responsibility and keteladanan bagi bawahannya untuk menerapkan kode becomes an example for the staff to implement the etik Perseroan. Company’s code of conduct. Penyebarluasan Kode Etik Code of Conduct Dissemination Sosialisasi terhadap penerapan kode etik senantiasa dilakukan Dissemination of code of conduct is constantly implemented kepada segenap insan Perseroan, mulai dari top management for the Company’s people, from top management to sampai dengan level operasional melalui berbagai media yang operational level through several media owned by the dimiliki Perseroan, termasuk pemanfaatan melalui media Company, including the utilization of information technology teknologi informasi yang dapat diakses oleh semua pegawai media that can be easily accessed by all employees at any dengan mudah setiap saat. Perseroan menyampaikan melalui time. The Company publishes the implementation of business media Memo dan/atau Surat Edaran dari Direksi tentang ethics through Memo and/or Circular Letter from Board of pelaksanaan etika bisnis. Media sosialisasi penyebarluasan Directors. The media used to disseminate code of conduct are kode etik dilakukan melalui situs Perseroan, buku saku, the Company’s website, notebooks, flyers, banners, bulletins, spanduk, banner, buletin, pernyataan komitmen, iklan di commitment statement, advertisement on newspapers and koran, dan lain sebagainya. others. Jenis Sanksi untuk Setiap Pelanggaran Kode Etik Types of Sanction for Each Code of Conduct Violation Jenis sanksi untuk setiap pelanggaran kode etik adalah, mulai The types of sanction for each code of conduct violation dari pemberian Surat Peringatan sampai dengan Pemutusan starts from the giving of Warning Letter as of Employment Hubungan Kerja (PHK). Termination (PHK). Annual Report 2015 | PT. BANK SINARMAS Tbk. 475 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Jumlah Pelanggaran Kode Etik Total Code of Conduct Violation Sepanjang tahun 2015, tidak terdapat pelanggaran kode etik In 2015, there was no sanction imposed to the employees yang dikenakan kepada karyawan. because of violation to code of conduct. Budaya Bank Sinarmas Bank Sinarmas Culture 1 2 476 Integrity Positive attitude Bertindak sesuai ucapan/janji sehingga dapat menumbuhkan kepercayaan pihak lain / Acts according to promises in order to earn trust from others Menampilkan perilaku yang mendukung terciptanya lingkungan kerja yang saling menghargai dan kondusif / Demonstrate supporting behaviors to create a full respect and conducive work environment Kejujuran / Honesty • Memberikan pendapat yang sesuai dengan kebenaran / Giving opinions based on truth • Berbicara berdasarkan fakta dan data / Speak upon facts and data • Memastikan tidak adanya ‘conflict of interest’ yang dapat menimbulkan bias dalam pengambilan keputusan yang dapat merugikan perusahaan / Ensure no conflict of interest that could arise bias in decision-making process, in its ability to bring loss for the company Walk The Talk • Menepati janji / Fulfilling promises • Menjalankan, menindaklanjuti serta bertanggungjawab atas keputusan yang telah disepakati dan ditetapkan / Conduct, follow-up, and be responsible of agreed and determined decisions Conscience • Menjaga dan melindungi kepentingan Perusahaan sebaik-baiknya / To preserve and protect the interest of the Company at any cost • Memastikan perusahaan tidak dirugikan dalam hal waktu, materi, sumber daya dan tindakan apapun yang dilakukan / Ensure that company is not losing time, materials, and resources on any conducted actions Positive thinking 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 the Company and all parties involved Respect others • Mendengarkan dan menghormati pendapat rekan kerja dalam setiap kesempatan / Listening and respecting opinions from colleagues in every opportunity • Memberikan pujian/penghargaan kepada yang berhasil melaksanakan tugas dan tanggung jawab atau yang menunjukkan penerapan nilainilai perusahaan secara konsisten / Expressing a praise/appreciation to those who succeed in completing their assignments and responsibilities or demonstrate company values consistently Team work • Memberikan kontribusi berarti dalam melaksanakan tugas / Contributing in conducting the duties • Mencari solusi terbaik demi kepentingan perusahaan / Seeking the best solutions for company’s interest Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Positive working environment 3 4 Commitment Continuous improvement Melaksanakan pekerjaan dengan sepenuh hati untuk mencapai hasil terbaik / Conducting Passion their duties with sincerity to achieve the best result 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 Annual Report 2015 | PT. BANK SINARMAS Tbk. Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement • Melaksanakan proses dialog dalam berkomunikasi / Conducting conversation process in communication • Mendorong rekan kerja untuk senatiasa bertindak positif dalam mencetuskan pendapat atau mengupayakan solusi tanpa berusaha mendiskreditkan rekan kerja/bagian lain / 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 / Demonstrating time disciplinary and efforts conducted • Memperlihatkan antusiasme dalam melaksanakan pekerjaan / 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, di mana ‘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 / Finishing duties with full of heart • Menunjukkan usaha optimal untuk mencapai hasil terbaik dalam rentang waktu yang telah ditetapkan / Demonstrating optimum efforts to achieve best result within targeted timeline Data accuracy • Memperoleh, memproses dan memberikan data serta informasi secara akurat / Gaining, processing, and delivering data as well as accurate information • Memastikan bahwa data yang diberikan dapat mendukung pengambilan keputusan yang terbaik bagi perusahaan / Ensuring that reported data is capable to have the best decision taken for company Cost concern 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 costspending affectivity on awaiting tasks 477 KILAS KINERJA 2015 Flashback Performance of 2015 5 6 Innovative Loyal LAPORAN Manajemen Management Report 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 the Company’s growth ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Process excellence • Memastikan terjadinya zero defect untuk mewujudkan hasil terbaik / Ensuring that zero defect happens in order to achieve the best result • Melaksanakan proses bisnis secara benar/sesuai standard operation procedure (SOP) / Conducting correct business process according to Standard Operation Procedure (SOP) • Melakukan review SOP secara berkesinambungan untuk memastikan bahwa SOP tersebut sesuai dengan perkembangan perusahaan dan industri / Conducting synergized SOP review to ensure that the SOP has been in accordance with company and industry’s development Bench marking • Mempelajari praktek bisnis terbaik lewat bacaan, sharing session, pelatihan, magang, atau kunjungan ke unit kerja/perusahaan terbaik / Learning best business practice through sharing session, training, internship, or working unit visit/ the best company • Menceritakan praktek bisnis terbaik yang dipelajari kepada rekan kerja dalam satu divisi/ perusahaan / Sharing best business practice learned to colleagues in a division/ Company • Menerapkan praktek bisnis terbaik di lingkungan kerjanya, yang dapat meningkatkan kemajuan perusahaan / Implementing best business practice in its working environment that can develop Company’s growth Breaktrough • Merancang ulang dan/atau secara terus menerus melakukan perbaikan proses bisnis yang dibutuhkan / Redesigning and/or continuously conducting needed business process • Melaksanakan pengembangan inisiatif baru yang dapat meningkatkan kinerja individu, unit kerja dan perusahaan / Conducting new initiative development to improve individual working performance, working unit, and companies Menumbuhkembangkan semangat untuk mengerti, memahami dan melaksanakan nilai-nilai perusahaan sebagai bagian Fraternity dari Keluarga Besar Sinarmas / Growing spirit to understand, comprehend, and apply company’s values as part of Sinarmas big family Pride 478 PROFIL PERUSAHAAN Company Profile • Menjaga nama baik perusahaan pada setiap kesempatan, dimanapun berada, di dalam maupun di luar perusahaan / Protecting Company’s good reputation in every opprtunity, in or outside the Company • Menjaga kepentingan/informasi/sumber daya/asset perusahaan dengan sebaik-baiknya dan dalam kondisi apapun, tidak akan pernah memberikannya kepada pihak manapun yang tidak berkepentingan / Maintaining the Company’s interests/information/ resources/assets 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 / Giving recommendation of potential individuals to join the Company • Menceritakan hal-hal yang positif mengenai / Spreading positive things about company in every opportunity perusahaan dalam setiap kesempatan • Menjadi ‘role model’ dari penerapan nilai-nilai perusahaan / Being a role model in applying Company’s values Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Dedication Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement • Melihat setiap tugas/pekerjaan sebagai hal penting yang bermanfaat bagi kemajuan Perusahaan / Seeing that every duty/assignment is beneficial and important matter for Company’s growth • Menunjukkan usaha cerdas dan kertas dalam melaksanakan pekerjaan / Demonstrating clever efforts in conducting their duties PAKTA INTEGRITAS INTEGRITY PACT Bank Sinarmas memiliki pakta integritas yang berisikan Bank Sinarmas possesses integrity pact that contains komitmen manajemen dan seluruh pegawai Perseroan untuk commitment of the Company’s management and all senantiasa mencegah dan tidak melakukan korupsi. Pakta employees to prevent and do not commit corruption. The integritas tersebut ditujukan untuk menumbuhkembangkan purpose of integrity pact is to develop transparency and keterbukaan dan kejujuran, serta menciptakan pelaksanaan honesty, as well as creating a quality, effective, efficient, and tugas yang berkualitas, efektif, efisien, dan akuntabel dalam accountable fulfillment of duties in business environment. lingkungan bisnis. Pakta integritas tersebut memuat tentang Integrity pact contains various matters that can uphold GCG berbagai hal yang dapat menegakkan implementasi GCG di implementation within Bank Sinarmas. dalam Bank Sinarmas. KEPATUHAN TERHADAP PAJAK TAX COMPLIANCE Bank Sinarmas senantiasa patuh dan taat pada peraturan Bank Sinarmas always complies with the prevailing laws and dan perundang-undangan yang berlaku serta senantiasa regulations, as well as Regulation of the Government of the memenuhi Peraturan Pemerintah Republik Indonesia terkait Republic of Indonesia regarding income tax on income of the pajak penghasilan atas perolehan dari usaha bank. Kepatuhan Bank’s business. Bank Sinarmas’ compliance with tax is a form Bank Sinarmas terhadap pajak merupakan salah satu bentuk of contribution of Bank Sinarmas in developing the country. kontribusi Bank Sinarmas dalam membangun negara. KEBIJAKAN ANTI KORUPSI ANTI-CORRUPTION POLICY Kebijakan Policy Dewan Komisaris, Direksi, serta seluruh karyawan Bank The Board of Commissioners, Board of Directors, and all Sinarmas senantiasa menjunjung tinggi persaingan yang fair, employees of Bank Sinarmas always uphold a fair competition, nilai sportivitas dan profesionalisme, serta prinsip-prinsip sportsmanship and professionalism, as well as GCG principles. GCG. Perseroan juga berkomitmen untuk menciptakan The Company is also committed to creating a healthy business iklim usaha yang sehat, menghindari tindakan, perilaku climate, avoiding action, behavior or deed that may cause ataupun perbuatan-perbuatan yang dapat menimbulkan conflict of interest, corruption, collusion, and nepotism (KKN). konflik kepentingan, korupsi, kolusi, dan nepotisme (KKN) Legal basis of the implementation of anti-corruption policy in Dasar hukum penerapan kebijakan anti korupsi yang ada di the Company is as follows: Perseroan mengacu pada: • Undang-Undang No. 8 tahun 2010 tentang pencegahan dan pemberantasan tindak pidana pencucian uang, dan • Undang-Undang No. 20 Tahun 2001 tentang Perubahan atas UU Nomor 31 tahun 1999 tentang Pemberantasan • Law No. 8 year 2010 on prevention and eradication of money laundry, and • Law No. 20 Year 2001 on Amendment to Law No. 31 year 1999 on Eradication of Corruption. Tindak Pidana Korupsi. Bank Sinarmas memiliki pedoman yang memuat perilaku Bank Sinarmas has guidelines that contain ethical behavior etis yang pada dasarnya telah memuat nilai-nilai etika that basically has included ethical values of business. The bisnis. Pedoman tersebut berupa kode etik Perusahaan guidelines are realized in the form of code of conduct that yang menyatakan dengan singkat, jelas, dan rinci dalam briefly, clearly, and specifically states a clear directions memberikan arahan yang jelas perihal perilaku etika bisnis concerning business ethics, including anti-corruption policy. termasuk di dalamnya tentang anti korupsi. Annual Report 2015 | PT. BANK SINARMAS Tbk. 479 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Pelatihan Anti Korupsi Anti-Corruption Training Bank Sinarmas menyelenggarakan workshop implementasi Bank Sinarmas organizes workshop on GCG implementation GCG yang materinya memuat tentang anti korupsi yang whose materials contain understanding of anti-corruption to memuat pemahaman tentang anti korupsi bagi seluruh all employees. karyawan. Departemen Anti-Korupsi Anti-Corruption Department Sampai saat ini, Bank Sinarmas belum memiliki departemen Up to date, Bank Sinarmas is yet to have a department khusus yang berfokus pada penegakan anti-Korupsi di focusing on anti-corruption enforcement within Bank lingkungan Bank Sinarmas. Namun, secara intrinsik upaya Sinarmas. However, intrinsically, prevention efforts are always pencegahan senantiasa dilakukan dengan mengoptimalkan implemented by optimizing the role of IAU. peran SKAI. PRAKTIK BAD CORPORATE GOVERNANCE BAD CORPORATE GOVERNANCE PRACTICE Sepanjang 2015, Bank Sinarmas tidak melakukan segala Throughout 2015, Bank Sinarmas did not implement any tindakan serta kebijakan yang berkaitan dengan praktik- action and policy relating to bad corporate governance. Bank praktik bad corporate governance. Bank Sinarmas menyadari Sinarmas realizes that such practice tends to damage good bahwa praktik ini cenderung akan merusak sistem good corporate governance system established by Bank Sinarmas. corporate governance yang telah dibangun Bank Sinarmas. Information collected by the Bank on this matter is as follows: Adapun informasi yang dapat dihimpun Bank mengenai hal ini adalah sebagai berikut: Tabel informasi praktik bad corporate governance No Table of information on bad corporate governance practice Keterangan / Description Praktik / Practice 1 Adanya laporan sebagai Perusahaan yang mencemari lingkungan / Report as Company that causes environmental pollution Nihil 2 Perkara penting yang sedang dihadapi Perusahaan, entitas anak, Anggota Direksi dan/atau Anggota 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 Board of Commissioners not disclosed in the annual report Nihil 3 Ketidakpatuhan dalam pemenuhan kewajiban perpajakan / Non compliance with the taxation regulation Nihil 4 Ketidakpastian penyajian laporan keuangan dengan PSAK / Uncertainties in the presentation of the financial reporting by PSAK Nihil STRATEGI ANTI FRAUD, SISTEM PEMANTAUAN FRAUD, DAN FRAUD RESPON PLAN ANTI FRAUD STRATEGY, FRAUD MONITORING SYSTEM AND FRAUD RESPONSE PLAN Perseroan mengeluarkan kebijakan penerapan strategi anti- The Company issued anti-fraud strategy implementation policy fraud melalui Surat Keputusan No.SK.007/2012/PRESDIR-SKAI through Decree No.SK.007/2012/PRESDIR-SKAI on Anti-Fraud tentang Kebijakan Anti-Fraud Management tanggal 1 Juni Management Policy on June 1, 2012 to meet the Circular 2012 dalam rangka memenuhi Surat Edaran Bank Indonesia Letter of Bank Indonesia No. 13/28/DPNP dated December 9, No. 13/28/DPNP tanggal 9 Desember 2011 perihal Penerapan 2011 concerning the Implementation of Anti-Fraud Strategy Strategi Anti-Fraud bagi Bank Umum, serta sebagai salah satu for Commercial Banks as one of parts of the improvement of bagian dari penyempurnaan Kebijakan Sistem Pengendalian Bank’s Internal Control System Policy. This becomes the form Intern Bank. Hal ini merupakan wujud komitmen manajemen of commitment to the Bank’s management in controlling raud Bank dalam mengendalikan fraud yang diterapkan dalam that has been implemented in the fraud controlling system. 480 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement bentuk sistem pengendalian fraud. Selama ini, Bank Sinarmas During this time, Bank Sinarmas has the anti-fraud strategy telah memiliki strategi anti-fraud yang diatur pada setiap regulated in each Policy, Standard Operating Procedure, Kebijakan, Standar Prosedur Operasional, Petunjuk Teknis Operating Technical Guidelines, and other arrangements. Operasional, dan pengaturan lainnya. Sejalan dengan SE BI No.13/28/DPNP mengenai Penerapan In line with SE BI No.13/28/DPNP on the Implementation of Strategi Anti Fraud bagi Bank Umum, Bank Sinarmas telah Anti Fraud Strategy for Commercial Bank, Bank Sinarmas melakukan berbagai upaya untuk memantau dan memitigasi has conducted various efforts to monitor and mitigate fraud risiko fraud melalui penerapan 4 pilar yaitu: (1) Pencegahan; risk through the implementation of 4 pillars namely: (1) (2) Deteksi;(3)Investigasi, Pelaporan dan Sanksi; serta (4) Prevention; (2) Detection; (3) Investigation, Reporting and Pemantauan, Evaluasi dan tindak lanjut, dimana dalam Sanction; and (4) Monitoring, Evaluation and follow-up, in implementasinya melibatkan seluruh line of defense. which the implemenation involves all lines of defense. Pilar Pencegahan / Prevention Pillar Pilar Deteksi / Detection Pillar Pilar Investigasi, Pelaporan dan Sanksi / Investigation, Reporting & Sanction Pillar Pilar Pemantauan, Evaluasi dan Tindak Lanjut / Monitoring, Evaluating & Following-up Pillar Pilar Pencegahan Prevention Pillar Mencegah tindak fraud lebih mudah dari pada Preventing fraud actions is easier than investigating fraud menginvestigasi kasus tindakan fraud. Pencegahan tindak action cases. Prevention of fraud is responsibility of all Bank fraud merupakan tanggung jawab seluruh jajaran Bank dan managements and part of Fraud Control System in order to merupakan bagian dari Sistem Pengendalian Fraud dalam decrease potential of fraud. rangka mengurangi potensi terjadinya fraud. Pelaksanaan fungsi pencegahan meliputi: Implementation of prevention functions are as follows: a.Penerapan Know Your Employee (KYE) yang dilakukan a. Implementation of Know Your Employee that is conducted sejak: since: - Penerimaan karyawan, yang harus dilakukan adalah - Acceptance of employees, what to do is to check the periksa identitas calon yang jelas, cocokkan alamatnya, identity of the candidates, match the address, with dengan siapa tinggal. Jika pernah bekerja di tempat whom they live. If they have ever worked in other lain, lakukan konfirmasi ke tempat kerja sebelumnya, companies, confirm to their previous companies, do BI lakukan BI checking, serta periksa track recordnya. checking, and check the track record. Annual Report 2015 | PT. BANK SINARMAS Tbk. 481 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report - Pada masa kerja, lakukan rotasi secara berkala, hindari PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis - During the working period, do the rotation regularly, rangkap jabatan, kewajiban cuti, pelatihan yang avoid concurrent position, furlough obligation, berkelanjutan, kenali gaya hidupnya (life style), seorang ongoing training, identify their lifestyle, a leader should pimpinan harus mengetahui gaya hidup stafnya. - Pada saat seorang karyawan resign, cek kewajibannya kepada bank, konfirmasi ke HCM dan penuhi haknya. b. Pelaksanaan sosialisasi “fraud awareness” secara know the lifestyle of its staff. - 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 continuously, belief training, knowing each other among saling mengenal diantara stafnya. its staff. c. Membudayakan semangat Zero Tolerance To Fraud (tidak mentolerir tindak fraud), salah satu caranya dengan membacakan deklarasi anti-fraud pada morning briefing. d. Setiap karyawan baru wajib membaca dan menandatangani deklarasi anti fraud. c. To grow the spirit of Zero Tolerance Fraud (not tolerate acts of fraud), one of ways is to read the declaration of antifraud on the morning briefing. d. Each new employee must read and sign a declaration of anti-fraud. e. Mengidentifikasi kerawanan di lingkungan kerja. e. Identifying vulnerabilities in working environment. Pilar Deteksi Detection Pillar Suatu tindak fraud akan segera diketahui dengan cepat atau An act of fraud will be known sooner or later by people lambat oleh orang yang ada di sekitarnya. Mendeteksi aktifitas around him/her. The fastest detections potential fraud yang perpotensi fraud paling cepat adalah rekan kerja, atasan activities are coworkers, supervisor or customer. Pillars of dari pelaku ataupun nasabah. Pilar deteksi meliputi hal-hal detection include the following: sebagai berikut: a. Pilar ini merupakan Sistem pengendalian Fraud dalam rangka mengidentifikasi dan menemukan fraud dalam a. This pillar is Fraud Control System that aims to identify and find fraud in Bank business activities. kegiatan usaha bank. b. Meliputi Kebijakan dan mekanisme WhistlebBlowing b. Including policies and mechanism of Whistleblowing (SK.027/2015/PRESDIR-FMD tanggal 20 Oktober 2015), (SK.027/2015/PRESDIR-FMD dated October 20, 2015), Surprise Audit dan Surveillance System. Surprise Audit and Surveillance System. c. Penanggung jawab terhadap pilar deteksi adalah seluruh c. Person in charge of detection pillars is the entire unit, unit kerja, baik first line of defense, second of defense both first line of defense, second and third line of maupun third line of defense. Jika kejadian fraud sudah defense of defense. If fraud has been detected, then the terdeteksi, maka atasan dari pelaku/rekan kerja/seluruh supervisor/co-workers/all Stakeholders must report to the stakeholder wajib melaporkan ke SKAI, maupun Divisi anti- Internal Auditor, as well as anti-fraud division or directly Fraud atau langsung ke [email protected] yang to [email protected] managed by Anti-Fraud dikelola oleh Divisi Anti-Fraud. d.Untuk Surprise Audit dan Surveillance Audit merupakan bagian dari Internal Control yang merupakan program Division. d. Surprise Audit and Surveillance Audit are parts of the Internal Control which is an Internal Audit program. SKAI. 482 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement SISTEM PELAPORAN PELANGGARAN WHISTLEBLOWING SYSTEM Berdasarkan Peraturan Bapepam Nomor: KEP-431/BL/2012 Based on Bapepam Regulation Number: KEP-431/BL/2012 tanggal 1 Agustus 2012 perihal penyampaian Laporan dated August 1, 2012 on the submission of Annual Report of Tahunan Emiten atau Perusahaan Publik, Perseroan wajib Issuers or Public Companies, the Company is obliged to report melaporkan sistem pelaporan pelanggaran yang dimiliki. the existing whistleblower system. The Company also issues Perseroan juga telah mengeluarkan kebijakan dan pedoman policy and guideliens of Whistleblowing on October 20, 2015 Whistle Blowing pada 20 Oktober 2015 melalui SK.027/2015/ through SK.027/2015/PRESDIR_FMD. PRESDIR_FMD. Program Whistleblowing Whistleblowing Program Whistleblowing merupakan salah satu sarana yang efektif Whistleblowing is one of effective tools to disclose fraud and dalam membantu mengungkap adanya kejadian fraud dan other irregularities. Management requires all levels of business penyimpangan lainnya. Manajemen mengharuskan setiap unit to consistently conduct a tight and multi-level supervisory, lini unit bisnis untuk secara konsisten menjalankan fungsi and to apply a policy which provides channels for complains pengawasan melekat dan berjenjang, serta menetapkan as an early warning to improve an internal controlling system. kebijakan dengan membuka saluran pengaduan yang dapat The mechanism includes reporting process, following up on didayagunakan sebagai early warning untuk dapat dilakukan the report, communication process and protection for the langkah-langkah penyempurnaan sistem pengendalian whistleblower. internal. Hal yang diatur melalui mekanisme ini mencakup proses pelaporan, tindak lanjut atas pelaporan, proses komunikasi dan program perlindungan bagi whistleblower. Annual Report 2015 | PT. BANK SINARMAS Tbk. 483 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Pelaporan Whistleblowing Whistleblowing Report Pelaporan yang diperoleh dari mekanisme Whistleblower Report acquired from the Whistleblower mechanism needs perlu mendapatkan perhatian dan tindak lanjut, termasuk to obtain attention and follow-up, including the imposition pengenaan hukuman yang tepat agar dapat memberikan efek of the right sanctions in order to give deterrence for the jera bagi pelaku penyimpangan/pelanggaran dan juga bagi violator/offender and for those having the intention to do mereka yang terpikir melakukan hal tersebut. Oleh sebab itu, such a thing. Therefore, every information/report received setiap informasi/laporan yang diterima dengan lampiran bukti- with evidence will be handled and followed-up professionally bukti akan ditangani dan ditindaklanjuti secara profesional, by assigning Anti Fraud Time to conduct investigation/ dengan menugaskan Tim Anti Fraud untuk melakukan observation on the validity of the information reported if investigasi/observasi kebenaran informasi yang dilaporkan deemed necessary. The reporting can be directly submitted by tersebut apabila dianggap perlu. Pelaporan dapat disampaikan the employee through a closed letter, email to specific email langsung oleh karyawan melalui media surat tertutup, email ([email protected]), SMS or telephone to Complaint kepada email khusus ([email protected]), SMS atau Service Number and Submission through Internal Auditor. telepon ke Nomor Layanan Pengaduan dan Penyampaian melalui Internal Auditor. Perlindungan bagi Pelapor Whistleblower Protection Untuk memberikan perlindungan kepada pemberi infomasi/ To protect the whistleblower, management guarantee pengaduan, manajemen akan menjamin kerahasiaan identitas the confidentiality of the whistleblower’s identity, so that pelapor, sehingga karyawan mendapatkan kebebasan untuk employees are free to report any act of infringements/frauds. melaporkan adanya tindakan penyimpangan/pelanggaran. If the report is proven true, the management will provide 484 Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement Manajemen akan memberikan penghargaan kepada karyawan awards to the employee, who delivers the report on frauds/ yang memberikan pengaduan peyimpangan/pelanggaran, violations. apabila pengaduan yang disampaikan terbukti benar. Penanganan Pengaduan Complaints Handling Setiap laporan yang disampaikan oleh whistleblower dianalisa Every report submitted by the whistleblower is analyzed by oleh Divisi Anti Fraud, dengan berkoordinasi dengan Divisi IT, Anti Fraud Division, by coordinating with IT Division, HCM Divisi HCM dan Kantor Cabang. Masing-masing Unit Kerja Division, and Branch Office. Each Working Unit has duty and memiliki tugas dan tanggung jawab yang telah diatur secara responsibility that has been regulated clearly, from the phase jelas, mulai dari tahapan melakukan deteksi awal sampai of performing initial detection until the completion of Fraud dengan penyelesaian atas kasus Fraud ataupun penyimpangan case or other deviations. lainnya. Hasil dari Penanganan Pengaduan Result of Complaints Handling Hasil dari penanganan pengaduan disampaikan oleh Divisi Result on the complaints handling were submitted by Fraud Anti Fraud kepada manajemen yang memuat kesimpulan Detection, Investigation & Litigation Team (FDILT) to the dari hasil penanganan, serta rekomendasi perbaikan sistem management, which contains summary on the handling, pengendalian internal yang masih dinilai terdapat kelemahan recommendation to improve the weakness of internal dan juga rekomendasi pemberian sanksi atas petugas- controlling system and recommendation of sanction to officers petugas terkait kelemahan yang ditimbulkan. Penanganan related to the respective matters. The handling of the reported dari kasus yang dilaporkan dimaksudkan dalam rangka untuk case aims to strengthen the internal controlling system, memperkuat sistem pengendalian internal, serta memotivasi motivate all parties/employees to avoid activities/transactions seluruh pihak/karyawan untuk menghindari kegiatan/transaksi that are prone to bring loss to the company and disturb the yang dapat berpotensi/berakibat merugikan perusahaan atau company’s operational. dapat mengganggu perusahaan beroperasi secara aman. Pilar Investigasi, Pelaporan, dan Sanksi Investigation, Reporting & Sanction Pillar Pilar investigasi, pelaporan, dan sanksi merupakan tanggung Investigation, reporting & sanction pillar is the responsibility jawab Direktorat Anti Fraud dan bagian dari Sistem of the Director of Internal Audit and Fraud Control Systems in Pengendalian Fraud dalam rangka penanganan fraud yang order to handle fraud that occurs through the investigation terjadi melalui investigasi dan hasilnya dilaporkan kepada and the results are reported to Board of Directors , Board Direktur Utama, Dewan Komisaris, Otoritas Jasa Keuangan of Commissioners, Financial Services Authority and Bank dan Bank Indonesia, termasuk usulan pengenaan sanksi bagi Indonesia, including the proposed sanctions for actor of fraud. para pelaku fraud. Pilar Pemantauan, Evaluasi, dan Tindak Lanjut Monitoring, Evaluating & Following-up Pillar Pilar pemantauan, evaluasi, dan tindak lanjut merupakan Monitoring, evaluating & following-up pillar is the tanggung jawab Direktorat Anti Fraud dan bagian dari Sistem responsibility of the Director of Internal Audit and part of Pengendalian Fraud dalam rangka monitoring atas tindak Fraud Control Systems in monitoring follow-up actions on lanjut hasil investigasi dan evaluasi kejadian fraud untuk investigation results and evaluation of the fraud to enhance memperbaiki kelemahan-kelemahan dan memperkuat Sistem weaknesses and strengthen the Internal Control System, in Pengendalian Intern, agar dapat mencegah terulangnya order to prevent the recurrence of frauds because of similar kembali fraud karena kelemahan yang serupa. weakness. Kebijakan strategi anti-fraud Bank Sinarmas merupakan Anti-fraud policy strategy is a commitment of Sinarmas Bank wujud komitmen Bank Sinarmas dalam mengendalikan fraud, Bank Sinarmas in controlling fraud, by giving no tolerance dengan tidak memberikan toleransi (zero tolerance) pada (zero tolerance) in any form of fraud, both from internal and setiap bentuk fraud, baik yang berasal dari internal maupun external of Bank Sinarmas. eksternal Bank Sinarmas. Annual Report 2015 | PT. BANK SINARMAS Tbk. 485 KILAS KINERJA 2015 Flashback Performance of 2015 LAPORAN Manajemen Management Report PROFIL PERUSAHAAN Company Profile ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis Sesuai dengan Surat Edaran Bank Indonesia No. 15/15/ In accordance with Circular Letter of Bank Indonesia No.15/15 DPNP tanggal 29 April 2013 perihal Pelaksanaan Good DPNP dated April 29, 2013 regarding the implementation of Corporate Governance bagi Bank Umum, yang dimaksud Good Corporate Governance for Commercial Bank, internal dengan internal fraud adalah penyimpangan/kecurangan fraud relates to any deviation/dishonest behavior committed yang dilakukan oleh pengurus, pegawai tetap dan tidak by management, permanent and nonpermanent employees tetap (honorer dan outsourcing) terkait dengan proses (contract basis and outsourcing) related to the Bank’s kerja dan kegiatan operasional Bank yang mempengaruhi operational process and activities with significant impact to the kondisi keuangan Bank secara signifikan. Yang dimaksud Bank’s financial condition. The description of significant impact dengan mempengaruhi kondisi keuangan Bank secara to the Bank’s financial condition is when the fraud impact is signifikan adalah apabila dampak penyimpangan lebih dari more than Rp100,000,000,- (One hundred million Rupiahs). Rp100.000.000 (seratus juta Rupiah). Secara umum tindakan In general, any deviation or dishonest behavior committed penyimpangan atau kecurangan yang dilakukan oleh pihak by internal parties of Bank were a violation towards integrity intenal Bank merupakan pelanggaran terhadap integritas and authority deviation. As a follow-up to Circular Letter of serta penyelewengan kewenangan. Menindaklanjuti Surat Bank Indonesia No.13/28/ DPNP dated December 09, 2011 Edaran Bank Indonesia No.13/28/DPNP tertanggal 9 Desember regarding the Implementation of Anti-Fraud Strategies for 2011 perihal Penerapan Strategi Anti Fraud bagi Bank Umum, Commercial Bank, Bank Sinarmas issued anti-fraud policy maka dikeluarkan kebijakan penerapan strategi anti fraud through the issuance of Decree No.SK.007/2012/PRESDIR- melalui Surat Keputusan No.SK.007/2012/PRESDIR-SKAI SKAI on Anti-Fraud Management Policy dated June 1, 2012. It tentang Kabijakan Anti-Fraud Management pada 1 Juni 2012. is a form of commitment of Bank management in controlling Ini merupakan wujud komitmen manajemen Bank dalam fraud implemented in the form of fraud control system. mengendalikan fraud yang diterapkan dalam bentuk sistem pengendalian fraud. Sesuai dengan pelaporan ke Bank Indonesia berdasarkan In accordance with the report issued to Bank Indonesia based Laporan Fraud pada 2015, maka jumlah kasus penyimpangan on Fraud Report 1st Semester and 2nd Semester in 2015, the internal (internal fraud) dengan kerugian/penyimpangan total internal fraud cases with loss/deviation above IDR 100 diatas Rp100 juta selama periode 2015 adalah 2(dua) kasus, million during 2014 was 1 (one) case as described in the table sebagaimana dijelaskan dalam tabel berikut: below: Tabel laporan fraud 2015 dan 2014 Table of report on fraud in 2015 and 2014 Jumlah Kasus yang Dilakukan oleh / Total Cases Committed by Internal Fraud Pengurus / Management 2015 2014 Pegawai Tetap / Permanent Employee Pegawai Tidak Tetap / NonPermanent Employee 2015 2014 2015 2014 2 (dua / two) Fraud Nihil / Nil Nihil / Nil Nihil / Nil 3 (tiga / three) 1 (Satu / One) Telah terselesaikan / Settled Nihil / Nil Nihil / Nil Nihil / Nil Nihil / Nil 1 (Satu / One) 1 (Satu / One) Dalam proses penyelesaian di internal Bank / Under internal settlement process Nihil / Nil Nihil / Nil 2 (dua / two) 1 (Satu / One) Belum diupayakan penyelesaiannya / Pending follow-up actions Nihil / Nil Nihil / Nil Nihil / Nil Nihil / Nil Nihil / Nil Nihil / Nil Telah ditindaklanjuti melalui proses hukum / Under litigation process Nihil / Nil Nihil / Nil 486 2 (dua / two) 1 (Satu / One) Nihil / Nil Nihil / Nil 1 (Satu / One) Nihil / Nil Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Tinjauan Unit-Unit Bisnis Overview of Business Units TATA KELOLA PERUSAHAAN Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Laporan Keuangan Konsolidasi Consolidated Financial Statement AKSES INFORMASI DAN DATA PERUSAHAAN INFORMATION ACCESS AND CORPORATE DATA Perusahaan berkomitmen untuk melaksanakan prinsip The Company is committed to implementing disclosure keterbukaan, untuk itu Perusahaan selalu menyampaikan principle. As such, the Company always submits information informasi tentang Perusahaan melalui website Perusahaan about the Company through the Company’s website, www.banksinarmas.com. Perusahaan juga menyampaikan namely www.banksinarmas.com. The Company also submits perkembangan Perusahaan mengenai Informasi Material dan the Company’s development on Material Information and Keterbukaan Informasi yang Perlu Diketahui Publik secara Information Disclosure that Needs to be Known by the Public teratur kepada PT Bursa Efek Indonesia (BEI) dan OJK sesuai on a periodical basis to PT Bursa Efek Indonesia (BEI) and OJK dengan peraturan yang berlaku. Selain melalui website Bank according to the prevailing regulations. Besides through Bank Sinarmas serta keterbukaan penyampaian informasi kepada Sinarmas’ website on disclosure of information submission to otoritas terkait, akses informasi dan data Bank Sinarmas juga the related authorities, access to information and data of Bank dapat diperoleh melalui Sekretaris Perusahaan sebagai berikut: Sinarmas can also be acquired through Corporate Secretary as follows: 1. Customer Care 1500153 dan 021-501 8888 1.Customer Care 1500153 dan 021-501 8888 2. Email: [email protected] 2. Email: [email protected] 3. Media Sosial: 3. Social Media: Facebook : https://id-id.facebook.com/Bank- Facebook :https://id-id.facebook.com/Bank- Sinarmas-307425840619/ Sinarmas-307425840619/ Twitter : @banksinarmas Twitter :@banksinarmas 4. Media massa/iklan 4. Mass media/ads 5. Melalui kantor pusat dan kantor cabang Bank Sinarmas 5. Head office and branch office of Bank Sinarmas Annual Report 2015 | PT. BANK SINARMAS Tbk. 487
