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ANNUAL REPORT | LAPORAN TAHUNAN 2014 PT BANK EKONOMI RAHARJA TBK
Sanggahan dan Batasan Tanggung Jawab Disclaimer and scope of responsibility Laporan Tahunan ini memuat pernyataan kondisi keuangan, hasil operasi, proyeksi, rencana, strategi, kebijakan, serta tujuan Perseroan, yang digolongkan sebagai pernyataan ke depan dalam pelaksanaan Perundang-undangan yang berlaku, kecuali hal-hal yang bersifat historis. Pernyataan-pernyataan tersebut memiliki prospek risiko, ketidakpastian, serta dapat mengakibatkan perkembangan aktual secara material berbeda dari yang dilaporkan.
This Annual Report contains statements on financial conditions, operational output, projections, plans, strategies, policies, and the Company’s objectives, which are categorized as future statements in terms of the applicable Regulations, except historical matters. The statements are prospective statements that inherently contain risks and uncertainties that may affect actual developments in material matters which are different from what is stated in those said statements.
Pernyataan-pernyataan prospektif dalam Laporan Tahunan ini dibuat berdasarkan berbagai asumsi mengenai kondisi terkini dan kondisi mendatang Perseroan serta lingkungan bisnis di mana Perseroan menjalankan kegiatan usaha. Perseroan tidak menjamin bahwa dokumen-dokumen yang telah dipastikan keabsahannya akan membawa hasil-hasil tertentu sesuai harapan.
The prospective statements in this Annual Report are prepared based on various assumptions on current and future conditions of the Company, as well as its business environemnt in which the Company operates. The Company does not guarantee that the documents which have been ensured of their validity will bring certain results as targeted.
Laporan Tahunan ini memuat kata “Perseroan” dan “Bank” yang didefinisikan sebagai PT Bank Ekonomi Raharja Tbk yang bergerak di bidang penyedia layanan perbankan komersial. Adakalanya kata “Perusahaan” dan “Bank Ekonomi” juga digunakan atas dasar kemudahan untuk menyebut PT Bank Ekonomi Raharja Tbk secara umum.
This Annual Report contains the words “Company” and “Bank” which is defined as PT Bank Ekonomi Raharja Tbk which operates in the field of commercial banking services. Sometimes, the word “Corporation” and “Bank Ekonomi” are also used to simply modify PT Bank Ekonomi Raharja Tbk in general.
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Finalis lomba foto berimmagine 2014 HASIL KARYA HENDRI FIN, DIVISI keuangan
finalist of berimmagine photo competition 2014 by HENDRI FIN, finance division
Kerjasama, atau istilah lainnya “kemitraan”, merupakan suatu strategi bisnis yang dilakukan dua pihak atau lebih dalam jangka waktu yang telah ditetapkan untuk meraih keuntungan bersama dengan memegang prinsip saling membutuhkan. Oleh karena itu, kerjasama merupakan kunci awal dalam mencapai kesuksesan.
Collaboration, or known in other definition as ‘partnership’, is a business strategy that is done by two or more people in an agreed timeline to achieve mutual benefit, holding a principal of needing each other. Therefore, collaboration is an initial key in achieving success.
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ANNUAL REPORT | LAPORAN TAHUNAN 2014 PT BANK EKONOMI RAHARJA TBK
DAFTAR ISI
TABLE OF CONTENTS
98
262
348
Management Discussion and Analysis
Good Corporate Governance
Corporate Social Responsibility
Analisis dan Pembahasan Manajemen
Tata Kelola Perusahaan
Kilas Kinerja 2014
63
2014 Flashback Performance
Profil Pejabat Eksekutif Profile of Executive Officials
8
Jejak Langkah Milestones
68
Sumber Daya Manusia Human Resources
10
Peristiwa Penting 2014 Significant Events 2014
16
Strategi Perseroan 2014 Company’s Strategy in 2014
22
Ikhtisar Data Keuangan Penting Key Financial Highlights
26
Ikhtisar Saham Stock Highlights
29
Ikhtisar Operasional Operational Highlights
Laporan Manajemen Management Report
30
Laporan Komisaris Report of the Board of Commissioners
34
Laporan Direksi Report of the Board Directors
Tanggung Jawab Sosial Perusahaan
84 PROFIL PERUSAHAAN COMPANY PROFILE
40
Sekilas Bank Ekonomi Bank Ekonomi at A Glance
43
Kegiatan Usaha Business Activities
44
Produk dan Jasa Perbankan Banking Products and Services
54
Visi , Misi, dan Budaya Perusahaan Vision, Mission, and Company’s Culture
56
Profil Dewan Komisaris Profile of the Board of Commissioners
58
Profil Dewan Direksi Profile of the Board of Directors
Teknologi Informasi Dan Operasional Information and Operations Technology
91
Stategi Kedepan HTS Dalam Pengelolaan TI HTS Further Strategy in IT Management
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Analisa dan DISKUSI Manajemen Management Discussion and Analysis
103
Tinjauan Umum Perekonomian General Economic Overview
105
Tinjauan Bisnis Business Review
166
Perubahan Kebijakan Akuntasi, Alasan dan Dampaknya Terhadap Laporan Keuangan Changes In Accounting Policies, Rationale and Impact On The Financial Statements
168
Prospek Usaha Kedepan Business Prospect in The Future
Manajemen Risiko
Perbankan Bisnis Business Banking
112
Perbankan Korporasi Corporate Banking
115
Perbankan Ritel Retail Banking
120
Tresuri & Institusi Keuangan Treasury & Financial Instituition
122
GTFR & TCM Global Trade and Recivable Finance & Payment and Cash Management
126
Analisa Kinerja Keuangan Financial Performance Analysis
153
Perbandingan Target Awal Tahun Buku dengan Relisasi serta Proyeksi 2015 Comparison Between Initial Target in The Financial Year and Its Realisation as well as Projections for 2015
155
Aspek Pemasaran Marketing Aspect
Good Corporate Governance
268
Prinsip Tata Kelola Perusahaan Good Corporate Governance Principles
270
Program Penerapan dan Assessment GCG 2014 GCG Implementation and Assessment Program in 2014
274
risk management
Struktur Tata Kelola Perusahaan Corporate Governance Structure
178
327
Delapan Kategori Risiko Eight Risk Categories
108
Tata Kelola Perusahaan
190
Pemberitaan Media Massa Selama Tahun 2014 Media Coverage During 2014
Risiko Kredit Credit Risk
199
Risiko Pasar Market Risk
200
Risiko Likuiditas Liquidity Risk
202
Risiko Operasional Operational Risk
204
Risiko Hukum Legal Risk
329
Keterbukaan Informasi Information Disclosure
Tanggung jawab sosial perusahaan
Corporate Social Responsibility
206
354
208
357
Risiko Stratejik Strategic Risk Risiko Reputasi Reputation Risk
Strategi Pelaksanaan CSR 2014 CSR Implementation Strategy in 2014 Aktivitas dan Program CSR CSR Activities and Programs
209
Risiko Kepatuhan Compliance Risk
212
370
262
374
Profil Risiko Risk Profile Permodalan Capital
Struktur Organisasi Organization Structure Alamat Kantor Cabang Branch Office Address
