Laporan Tahunan 2013 | BANK KALBAR Pembukaan Opening
Ikhtisar Data Keuangan Penting Financial Highlights
Laporan Dewan Komisaris dan Direksi Report from the Board of Commissioners and Directors
Profil Perusahaan Company Profile
PENCAPAIAN UTAMA KINERJA TAHUN 2013 THE MAIN ACHIEVEMENT OF PERFORMANCE 2013
Jumlah Aset 2013 Rp9,64 triliun
Jumlah Aset 2012 Rp8,39 triliun
14,87%
Total Assets 2013 Rp9.64 trillion
Total Assets 2012 Rp8.39 trillion
Simpanan Nasabah 2013 Rp8,08 triliun
Simpanan Nasabah 2012 Rp6,88 triliun
17,43%
Customer Deposits 2013 Rp8.08 trillion
Customer Deposits 2012 Rp6.88 trillion
Kredit dan Pembiayaan Syariah 2013 Rp7,04 triliun Kredit dan Pembiayaan Syariah 2012 Rp5,97 triliun
17,97%
Loans and Sharia Financing 2012 Rp5.97 trillion
Laba Tahun Berjalan 2012 Rp216 miliar
Loans and Sharia Financing 2013 Rp7.04 trillion
Laba Tahun Berjalan 2013 Rp245 miliar
13,69%
Income for the Year 2013 Rp245 billion
Income for the Year 2012 Rp216 billion
26
www.bankkalbar.co.id
Annual Report 2013 | BANK KALBAR Analisa dan Pembahasan Manajemen Management Discussion and Analysis
Tata Kelola Perusahaan Good Corporate Governance
Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility
Laporan Audit Keuangan Financial Audit Report
Jumlah Ekuitas 2013 Rp1,17 triliun
Jumlah Ekuitas 2012 Rp924 miliar
Total Equities 2013 Rp1.17 trillion
27,41%
Total Equities 2012 Rp924 billion
87,20%
0,35%
Rasio Kredit yang Diberikan terhadap Dana Pihak Ketiga (LDR)
Rasio Kredit Bermasalah (NPL Gross) Gross Non Performing Loans Ratio
Loans to Deposit Ratio
16,99%
70,12%
Rasio Kecukupan Modal (CAR) untuk Risiko Kredit, Pasar dan Operasional
Rasio Beban Operasi terhadap Pendapatan Operasi (BOPO)
Capital Adequacy Ratio for Credit Risk, Market and Operational
Operating Expense to Operating Income Ratio
Peringkat Komposit 2 Tingkat Kesehatan Bank Kalbar secara umum sehat, sehingga dinilai mampu menghadapi pengaruh negatif yang signifikan dari perubahan kondisi bisnis dan faktor eksternal lainnya. Bank Kalbar soundness generally healthy, so it is considered able to face the significant negative effect of changes in business conditions and other external factors.
www.bankkalbar.co.id
27
Laporan Tahunan 2013 | BANK KALBAR Pembukaan Opening
Ikhtisar Data Keuangan Penting Financial Highlights
Laporan Dewan Komisaris dan Direksi Report from the Board of Commissioners and Directors
Profil Perusahaan Company Profile
IKHTISAR KINERJA KEUANGAN FINANCIAL HIGHLIGHTS
Posisi Keuangan Tahun 2009-2013 (Jutaan Rupiah) Financial Position in 2009-2013 (Million of Rupiah)
2009
2010
2011
2012
2013
Pertumbuhan 2012-2013 Growth
Jumlah Aset Total Assets
4.889.140
5.868.875
7.126.170
8.394.579
9.642.735
14,87%
Aset Produktif Productive Assets
4.754.765
5.459.693
6.761.352
7.789.790
8.941.828
14,79%
Jumlah Kredit dan Pembiayaan Syariah Total Loans and Sharia Financing
3.095.020
3.944.684
4.796.968
5.972.213
7.045.648
17,97%
Kredit yang Diberikan Loans
2.953.024
3.766.156
4.579.730
5.580.653
6.518.119
16,80%
141.996
178.528
217.238
391.560
527.529
34,72%
Jumlah Simpanan Nasabah Total Customer Deposits
3.526.659
4.677.054
6.188.699
6.880.752
8.080.189
17,43%
Giro Current Accounts
1.099.415
1.169.349
1.773.433
1.469.201
1.773.086
20,68%
Tabungan Savings
1.734.673
2.323.795
2.824.993
3.459.135
4.250.195
22,87%
Deposito Deposits
692.570
1.183.909
1.590.273
1.952.416
2.056.908
5,35%
30.000
30.000
30.000
30.000
30.000
0,00%
4.483.839
5.327.094
6.427.213
7.470.339
8.465.132
13,32%
415.300
541.781
698.956
924.240
1.177.603
27,41%
URAIAN
Description
Pembiayaan Syariah Sharia Financing
Pinjaman Diterima Borrowings Liabilitas Liabilities Ekuitas Equities
Laba Rugi Tahun 2009-2013 (Jutaan Rupiah) Income Statements in 2009-2013 (Million of Rupiah) 2009
2010
2011
2012
2013
Pertumbuhan 2012-2013 Growth
Pendapatan Bunga Interest Income
621.719
743.321
873.695
944.308
1.090.627
15,49%
Beban Bunga Interest Expense
192.589
237.894
280.461
240.063
245.839
2,41%
Pendapatan Bunga Bersih Net Interest Income
429.130
505.427
593.234
704.245
844.788
19,96%
29.866
20.223
50.193
77.312
37.723
(51,21)%
Beban Operasional Lainnya Other Operating Expenses
265.631
300.670
371.073
484.411
532.533
9,93%
Laba Operasional Net Operating Income
172.998
216.693
233.442
292.917
337.154
15,26%
Laba Sebelum Pajak Income Before Tax
182.668
231.975
232.918
292.519
332.608
13,70%
Laba Tahun Berjalan Income for the Year
131.459
168.745
173.899
216.089
245.669
13,69%
-
-
174.070
216.048
245.599
13,68%
URAIAN
Description
Pendapatan Operasional Lainnya Other Operating Income
Laba Komprehensif Comprehensive Income
28
www.bankkalbar.co.id
Annual Report 2013 | BANK KALBAR Analisa dan Pembahasan Manajemen Management Discussion and Analysis
Tata Kelola Perusahaan Good Corporate Governance
Jumlah Aset
14,87%
Total Assets Rp Juta Rp Million
Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility
Laporan Audit Keuangan Financial Audit Report
Aset Produktif
14,79%
Productive Assets Rp Juta Rp Million
8,941,828
9,642,735 7,789,790
8,394,579
6,761,352
7,126,170 5,868,875
4,754,765
4,889,140
2009
2010
2011
2012
2013
Jumlah Kredit dan Pembiayaan Syariah Total Loans and Sharia Financing
2010
2011
2012
Jumlah Simpanan Nasabah
17,97%
Rp Juta Rp Million
2009
5,459,693
Total Customer Deposits
17,43%
Rp Juta Rp Million
8,080,189
7,045,648 5,972,213
6,188,699
4,796,968
6,880,752
4,677,054
3,944,684 3,526,659
3,095,020
2009
2013
2010
2011
2012
Liabilitas
2013
13,32%
Liabilities Rp Juta Rp Million
2009
2010
2011
2012
Ekuitas
2013
17,43%
Equities Rp Juta Rp Million
1,177,603
8,465,132 7,470,339
924,240
6,427,213 5,327,094
698,956
4,483,839
541,781 415,300
2009
2010
www.bankkalbar.co.id
2011
2012
2013
2009
2010
2011
2012
2013
29
Laporan Tahunan 2013 | BANK KALBAR Ikhtisar Data Keuangan Penting Financial Highlights
Pembukaan Opening
Laba Sebelum Pajak
Laporan Dewan Komisaris dan Direksi Report from the Board of Commissioners and Directors
13,70%
Income Before Tax Rp Juta Rp Million
Profil Perusahaan Company Profile
Laba Tahun Berjalan
13,69%
Income for the Year Rp Juta Rp Million
245,669
332,608 216,089
292,519 231,975
232,918
173,899
2010
2011
131,459
182,668
2009
168,745
2010
2011
2012
2013
2009
2012
2013
Rasio Keuangan Tahun 2009-2013 (Persentase) Financial Ratios in 2009-2013 (Percentage)
URAIAN
2009
2010
2011
2012
2013
Rasio Kecukupan Modal (CAR) untuk Risiko Kredit, Pasar dan Operasional Capital Adequacy Ratio for Credit Risk, Market and Operational
17,86
17,53
17,74
16,87
16,99
Rasio Kredit Bermasalah (NPL) Gross Gross Non Performing Loans
0,09
0,13
0,15
0,17
0,35
Rasio Kredit Bermasalah (NPL) Net Net Non Performing Loans
0,01
0,03
0,04
0,04
0,11
87,76
84,34
77,51
86,80
87,20
3,80
4,17
3,45
3,33
3,42
38,74
39,77
28,93
26,20
25,80
9,17
10,06
9,95
9,01
9,93
81,35
70,23
76,97
71,33
70,12
Description
Rasio Kredit yang Diberikan terhadap Dana Pihak Ketiga (LDR) Loans to Deposit Ratio Rasio Laba Sebelum Pajak terhadap Jumlah Aset (ROA) Income Before Tax to Total Assets Ratio Rasio Laba Setelah Pajak terhadap Modal (ROE) Income After Tax to Capital Ratio Rasio Pendapatan Bunga Bersih (NIM) Net Interest Margin Ratio Rasio Beban Operasional terhadap Pendapatan Operasional (BOPO) Operating Expense to Operating Income Ratio
Opini Auditor Independen Tahun 2009-2013 Independent Auditor Opinion in 2009-2013
URAIAN
Description
Laporan Keuangan Bank Kalbar Financial Statement of Bank Kalbar
30
2009
2010
2011
2012
2013
Wajar Tanpa Pengecualian (WTP) Unqualified
Wajar Tanpa Pengecualian (WTP) Unqualified
Wajar Tanpa Pengecualian (WTP) Unqualified
Wajar Tanpa Pengecualian (WTP) Unqualified
Wajar Tanpa Pengecualian (WTP) Unqualified
www.bankkalbar.co.id
Annual Report 2013 | BANK KALBAR Analisa dan Pembahasan Manajemen Management Discussion and Analysis
Tata Kelola Perusahaan Good Corporate Governance
Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility
Laporan Audit Keuangan Financial Audit Report
IKHTISAR KINERJA NON KEUANGAN NON FINANCIAL HIGHLIGHTS
KINERJA NON KEUANGAN
2009
2010
2011
2012
2013
933
939
1.186
1.440
1.462
Pegawai Tetap Permanent Employees
-
602
674
744
0,35
Pegawai Kontrak Contract Employees
-
337
512
696
0,11
Jumlah Jaringan Kantor dan Layanan Total of Office and Service Network
99
129
203
261
357
KONVENSIONAL Conventional
93
107
163
212
300
1
1
1
1
1
Kantor Cabang Branch Office
16
17
17
17
18
Kantor Cabang Pembantu Sub Branch Office
25
26
40
45
48
Unit Usaha Mikro Micro Finance Unit
1
1
1
1
1
Kantor Kas Cash Office
9
11
26
54
61
Payment Point Payment Point
12
12
13
14
34
Anjungan Tunai Mandiri (ATM) Automatic Teller Machine
29
39
65
80
137
UNIT USAHA SYARIAH Sharia Business Unit
6
22
40
49
57
Kantor Cabang Branch Office
1
1
1
1
1
Kantor Cabang Pembantu Sub Branch Office
-
-
2
3
4
Kantor Kas Cash Office
-
-
1
3
4
Layanan Syariah Sharia Service
5
21
36
42
48
Non Financial Highlights
Jumlah Pegawai Total Employees
Kantor Pusat Head Office
IKHTISAR HARGA SAHAM DAN OBLIGASI STOCK PRICES AND BOND HIGHLIGHTS
Informasi terkait dengan harga saham tidak relevan karena Bank Kalbar tidak melakukan transaksi perdagangan (jual beli) saham.
Information related to the stock price is irrelevant because Bank Kalbar did not trade transactions (buying and selling) stocks.
Bank Kalbar juga tidak menerbitkan obligasi, sukuk atau obligasi konversi sehingga tidak ada informasi terkait dengan jumlah yang beredar, tingkat bunga, tanggal jatuh tempo dan peringkat obligasi/sukuk.
Bank Kalbar also not issue bonds, sukuk or bonds convertible so there is no information related to the amount outstanding, the interest rate, maturity date and ratings of the bonds/sukuk.
www.bankkalbar.co.id
31
