Growing In Regional Diversity

Growing In Regional Diversity Bank SULUT terus berupaya untuk menggerakan pertumbuhan ekonomi daerah dan memberikan kontribusi yang optimal kepada stakeholder. Lebih lanjut Bank SULUT terus mengembangkan usaha diseluruh rantai nilai sektor perbankan dengan menciptakan peluang-peluang baru dalam bisnis perbankan. Melalui strategi yang tepat dan terencana, kami akan dapat meningkatkan pertumbuhan Bank dan kesejahteraan masyarakat serta karyawan dan memberikan solusi untuk masa depan masyarakat Indonesia serta berdedikasi penuh terhadap para pemegang saham. Kami percaya, fokus kami terhadap pelayanan, disertai dengan visi, misi serta strategi yang matang, pada akhirnya akan memberikan manfaat yang besar bagi nasabah, masyarakat dan pemegang saham. Bank Sulut is always committed to accelerate regional economy growth and deliver optimum contribution to the stakeholders. Further, Bank Sulut also develops a business covering the value chain of banking sector by creating new opportunities in banking industry. Through accurate and well-planned strategy, we will elevate the Bank's growth along with welfare of society and employees as well as providing solution for future of Indonesian society while continuously dedicated to the shareholders. We believe, our focus to the service, altogether with mature vision, mission and strategy will bring major benefit to the customers, society and the shareholders.

Penjelasan Cover Cover AR 2013 Bank SULUT terinspirasi oleh sarang lebah, Lebah adalah serangga mungil yang tidak mampu berpikir. Akan tetapi mereka mampu menyelesaikan sejumlah pekerjaan besar yang tak terbayangkan sebelumnya. Namun, yang lebih hebat lagi adalah ribuan lebah bekerjasama secara teratur dan terencana dalam rangka mencapai satu tujuan yang sama, dan mereka melaksanakan bagian pekerjaan mereka masing-masing secara penuh dan sungguh-sungguh tanpa kesalahan sedikitpun. Philosopi ini menjadi dasar bahwa tantangan terbesar dalam pengorganisasian untuk bekerja secara bersama adalah pembagian tugas dan tanggung jawab serta pengoperasian yang efisien, setelah segala persyaratan ini dipenuhi dan sistem organisasinya telah terbentuk, diharapkan semuanya mampu bekerja bersama secara harmonis, membangun sistem organisasi yang sempurna.

Explanation of Cover Illustration Cover of Bank Sulut Annual Report 2013 is inspired by beehive, the bee is tiny insect without ability to think but able to conduct major work as never imagined before. Thus, more greater term is when thousand of bees are working hand in hand in an well-ordered and planned working circumstances to achieve one common goal, they will perform their part faithfully without any mistake. The philosophy becomes a foundation that the most significant challenge in organizing a teamwork is division of duty and responsibility as well as efficient management, after those requirements are fulfilled and the organization system has been formed, every party is expected to cooperate harmoniously, bringing perfect organization system.

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Bank Sulut 2013 Annual Report


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Referensi Otoritas Jasa Keuangan (OJK) Indonesia Financial Services Authority (OJK)

Kriteria Criteria

Penjelasan Description

I. Umum I. General 1.

Laporan tahunan disajikan dalam bahasa Indonesia yang baik dan benar dan dianjurkan menyajikan juga dalam bahasa Inggris. Written in good and correct indonesian, it is recommended to present the report as well as in english.

2.

Laporan tahunan dicetak dengan kualitas yang baik dan menggunakan jenis dan ukuran huruf yang mudah dibaca. Printed with good quality using readable type and size of font.

3.

Laporan tahunan mencantumkan identitas perusahaan dengan jelas. The Annual Report should clearly disclose the identity of the company.

4.

Laporan tahunan ditampilkan di website perusahaan. The annual Report is posted in the Company’s website.

Nama perusahaan dan tahun Annual Report ditampilkan di: 1. Sampul muka; 2. Samping; 3. Sampul belakang; dan 4. Setiap halaman. Name of the company and year of the Annual Report is disclosed on: 1. The front cover; 2. Sides; 3. Back cover; and 4. Each page.

II. Ikhtisar Data Keuangan Penting II. Key Financial Information highlights 1.

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Informasi hasil usaha perusahaan dalam bentuk perbandingan selama 3 (tiga) tahun buku atau sejak memulai usahanya jika perusahaan tersebut menjalankan kegiatan usahanya selama kurang dari 3 (tiga) tahun. Information of the Company’s business performance in comparative from over a period of 3 (three) financial years or since the Company commenced its business if less than 3 years.

Informasi memuat antara lain:

1. Penjualan/pendapatan usaha 2. Laba (rugi) 3. Total laba (rugi) komprehensif 4. Laba (rugi) per saham

The information discloses, as follows: 1. Sales/operating revenue. 2. Income (loss). 3. Comprehensive Income (loss) 4. Earning (loss) per share.

2.

Informasi posisi keuangan perusahaan dalam bentuk perbandingan selama 3 (tiga) tahun buku atau sejak memulai usahanya jika perusahaan tersebut menjalankan kegiatan usahanya selama kurang dari 3 (tiga) tahun. Financial information of the Company in comparative form over a period of 3 (three) financial years or since the Company commenced its business if less than 3 years.

Informasi memuat antara lain: 1. Modal kerja bersih 2. Jumlah investasi pada entitas asosiasi dan/atau joint venture 3. Jumlah aset 4. Jumlah liabilitas 5. Jumlah ekuitas Information discloses, as follows: 1. Net working capital 2. Total investment with associated entities 3. Total asset 4. Total liabilities 5. Total equity

3.

Rasio keuangan dalam bentuk perbandingan selama 3 (tiga) tahun buku atau sejak memulai usahanya jika perusahaan tersebut menjalankan kegiatan usahanya selama kurang dari 3 (tiga) tahun. Financial Ratio in comparative form in comparative form over a period of 3 (three) financial years or since the Company commenced its business if less than 3 years.

Informasi memuat 5 (lima) rasio keuangan yang umum dan relevan dengan industri perusahaan. The information discloses 5 (five) general financial ratios that are relevant with company’s industry.


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Penjelasan

Kriteria Criteria

4.

Informasi harga saham dalam bentuk tabel dan grafik. Share price information in table and graph forms.

5.

Informasi mengenai obligasi, sukuk atau obligasi konversi yang masih beredar dalam 2 (dua) tahun buku terakhir. Information about bonds, sukuk (islamic bonds) or converted bonds issued within the last 2 (two) financial years

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Description

Informasi dalam bentuk tabel dan grafik yang memuat: 1. Harga Saham Tertinggi; 2. Harga Saham Terendah; 3. Harga saham penutupan; 4. Volume Saham yang diperdagangkan untuk setiap masa triwulan dalam 2 (dua) tahun buku terakhir (jika ada). Information in the table and graph includes: 1. Highest shares price; 2. Lowest shares price 3. Closing shares price 4. Shares trading volume for every quarter within the last 2 (two) financial years (if any) Informasi memuat: 1. Jumlah obligasi/sukuk/obligasi konversi yang beredar (outstanding) 2. Tingkat bunga/imbalan 3. Tanggal jatuh tempo 4. Peringkat obligasi/sukuk The information includes: 1. Number of outstanding bonds/convertible bonds 2. Interest/yield rate 3. Maturity date 4. Bonds/sukuk rating

III. Laporan Dewan Komisaris dan Direksi III. Report from the Board of Commissioners and Board of Directors 1.

Laporan Dewan Komisaris Report from the Board of Commissioners

Memuat hal-hal sebagai berikut: 1. Penilaian atas kinerja Direksi mengenai pengelolaan perusahaan 2. Pandangan atas prospek usaha perusahaan yang disusun oleh Direksi 3. Komite-komite yang berada di bawah pengawasan Dewan Komisaris 4. Perubahan komposisi Dewan Komisaris dan alasan perubahannya (jika ada) Includes following items: 1. Evaluation in Board of Directors performance regarding the Company’s management 2. Evaluation on Company’s business prospect prepared by the Board of Directors 3. Committees under the Board of Commissioners supervision 4. Changes in Board of Commissioners composition altogether with its reason (if any)


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Kriteria Criteria

2.

3.

Laporan Direksi Report from the Board of Directors

Tanda tangan anggota Direksi dan anggota Dewan Komisaris signature of the Board of Commissioners and Board of Directors


Memuat hal-hal sebagai berikut:

1. Analisis atas kinerja perusahaan, yang mencakup

antara lain kebijakan strategis, perbandingan antara hasil yang dicapai dengan yang ditargetkan, dan kendala-kendala yang dihadapi perusahaan 2. Prospek usaha 3. Penerapan tata kelola perusahaan yang baik yang telah dilaksanakan oleh perusahaan 4. Perubahan komposisi anggota Direksi dan alasan perubahannya (jika ada) Includes following items: 1. Analysis on company’s performance, including strategic policy, comparison between achieved result and target implemented and any constrain faced by the company 2. Business prospect 3. Good corporate governance implementatation performed by the Company 4. Changes on Board of Directors composition and its reason (if any) Memuat hal-hal sebagai berikut: 1. Tanda tangan dituangkan pada lembaran tersendiri 2. Pernyataan bahwa Direksi dan Dewan Komisaris bertanggung jawab penuh atas kebenaran isi laporan tahunan 3. Ditandatangani seluruh anggota Dewan Komisaris dan anggota Direksi dengan menyebutkan nama dan jabatannya 4. Penjelasan tertulis dalam surat tersendiri dari yang bersangkutan dalam hal terdapat anggota Dewan Komisaris atau Direksi yang tidak menandatangani laporan tahunan, atau: penjelasan tertulis dalam surat tersendiri dari anggota yang lain dalam hal tidak terdapat penjelasan tertulis dari yang bersangkutan Disclosing the following informations: 1. Signatures of the Board of Commissioners and Board of Directors are on a separate sheet 2. Statement that the Board of Directors and Board of Commissioners are fully responsible to the truthfulness of the content of the annual Report 3. Signed by all member sof the Board of Commissioners and the Board of Directors by mentioning their names and positions 4. Written explanation in a separate letter from the concerned member in the event of not signing the annual Report, or, written explanation in separate letter from other member in the event the concerned member did not provide written explanation

IV. Profil Perusahaan IV. Company Profile

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1.

Nama dan alamat lengkap perusahaan. Name and address of the company.

Informasi memuat antara lain nama dan alamat, kode pos, no. Telp, no. Fax, email, dan website. The information discloses name and address, zip code, telephone and/or facsimile, email, website.

2.

Riwayat singkat perusahaan. Brief history of the company

Mencakup antara lain: tanggal/tahun pendirian, nama, dan perubahan nama perusahaan (jika ada). includes among others: date/year of establishment, name and change in the company name, if any.


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Penjelasan

Kriteria Criteria

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Description

3.

Bidang usaha Line of Business

Uraian mengenai antara lain: 1. Bidang usaha yang dijalankan sesuai dengan anggaran dasar yang telah ditetapkan; dan 2. Penjelasan mengenai produk dan/atau jasa yang dihasilkan Description includes: 1. The line of business as stated in the last articles of association and 2. Type of products and/or services produced

4.

Struktur organisasi Organizational structure

Dalam bentuk bagan, meliputi nama dan jabatan paling kurang sampai dengan struktur satu tingkat di bawah direksi. In chart form, including name and position of at least one position structure/position below the Board of Directors

5.

Visi dan Misi perusahaan Vision and Mission of the Company

Mencakup:

1. Visi perusahaan; 2. Misi perusahaan; dan 3. Keterangan bahwa visi dan misi tersebut telah

disetujui oleh Direksi/Dewan Komisaris Including : 1. Company’s vision; 2. Company’s mission; and 3. Statement that the vision and mission have been approved by the Board of Directors or Board of Commissioners

6.

Identitas dan riwayat hidup singkat anggota Dewan Komisaris Name, title, and brief profile of the Board of Commissioners members.

Informasi memuat antara lain: 1. Nama 2. Jabatan (termasuk jabatan pada perusahaan atau lembaga lain) 3. Umur 4. Pendidikan 5. Pengalaman kerja 6. Tanggal penunjukkan pertama kali sebagai anggota Dewan Komisaris The information includes following item: 1. Name 2. Position (including in other companies or institutions) 3. Age 4. Educational Background 5. Employment History 6. First appointment date as Board of Commissioners member


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Penjelasan

Kriteria Criteria

Description

7.

Identitas dan riwayat hidup singkat anggota Direksi Name, title, and brief profile of the Board of Directors members

Informasi memuat antara lain: 1. Nama 2. Jabatan (termasuk jabatan pada perusahaan atau lembaga lain) 3. Umur 4. Pendidikan 5. Pengalaman kerja 6. Tanggal penunjukkan pertama kali sebagai anggota Dewan Komisaris The information includes following item: 1. Name 2. Position (including in other companies or institutions) 3. Age 4. Educational Background 5. Employement History 6. First appointment date as Board of Directors member

8.

Jumlah karyawan (komparatif 2 tahun) dan deskripsi pengembangan kompetensinya (misalnya: aspek pendidikan dan pelatihan karyawan). Number of employees (two years comparative) and competency development description (for example: employees education and training program).

Informasi memuat antara lain: 1. Jumlah karyawan untuk masing-masing level organisasi 2. Jumlah karyawan untuk masing-masing tingkat pendidikan 3. Pelatihan karyawan yang telah dilakukan dengan mencerminkan adanya persamaan kesempatan kepada seluruh karyawan 4. Biaya yang telah dikeluarkan The information includes following item: 1. Number of employee for each organization level 2. Number of employee for each education level 3. Employees' training program has been carried out by promoting equal opportunity for all employees. 4. Incurred fund.

9.

Komposisi pemegang saham Shareholders Composition

Mencakup antara lain:

1. Nama pemegang saham yang memiliki 5% atau

lebih saham

2. Nama direktur dan komisaris yang memiliki saham 3. Kelompok pemegang saham masyarakat dengan

kepemilikan saham masing-masing kurang dari 5%, dan persentase kepemilikannya The information includes following item: 1. Names of shareholders having 5% or more shares. 2. Names of Directors and Commissioners who own shares. 3. Public shareholders that hold less than 5% shares' ownership and the percentages. 10.

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Daftar entitas anak dan/atau entitas asosiasi List of subsidiary and/or associated entity


Informasi memuat antara lain : 1. Nama entitas anak dan/atau asosiasi 2. Persentase kepemilikan saham 3. Keterangan tentang bidang usaha entitas anak dan/ atau entitas asosiasi 4. Keterangan status operasi entitas anak dan/atau entitas asosiasi (telah beroperasi atau belum beroperasi) Information includes, following item: 1. Name of the subsidiaries/associations 2. Share ownership composition 3. Information regarding, subsidiaries/associations 4. Information regarding subsidiaries/associations operational status (has been operated or has not been operated)

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Kriteria Criteria

Penjelasan

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Description

11.

Struktur grup perusahaan Company’s Group Structure

Struktur grup perusahaan yang menggambarkan entitas anak, entitas asosiasi, joint venture, dan special purpose vehicle (SPV), atau pernyataan tidak memiliki grup. Company’s group structure illustrating subsidiaries, associations, joint venture and special purpose vehicle (SPV) or statement not holding any group.

12.

Kronologis pencatatan saham Shares listing history

Mencakup antara lain: 1. Kronologis pencatatan saham 2. Jenis tindakan korporasi (corporate action) yang menyebabkan perubahan jumlah saham 3. Perubahan jumlah saham dari awal pencatatan sampai dengan akhir tahun buku 4. Nama bursa dimana saham perusahaan dicatatkan Information includes, following item: 1. Shares listing history 2. Types of corporate action that caused changes in the shares volume. 3. Changes in the shares volume from the initial shares listing to the end of recent financial year period 4. Name of Stock Exchange in where the company shares are listed

13.

Kronologis pencatatan efek lainnya Other Securities Listing History

Mencakup antara lain: 1. Kronologis pencatatan efek lainnya 2. Jenis tindakan korporasi (corporate action) yang menyebabkan perubahan jumlah efek lainnya 3. Perubahan jumlah efek lainnya dari awal pencatatan sampai dengan akhir tahun buku 4. Nama Bursa dimana efek lainnya dicatatkan 5. Peringkat efek Information includes, following item: 1. Other securities listing history 2. Types of corporate action that affected any changes in securities volume. 3. Changes in the securities volume from the initial listing to the end of current financial year period. 4. Name of Stock Exchange where the company’s other securities are listed. 5. Securities rating.

14.

Nama dan alamat lembaga dan atau profesi penunjang pasar modal Name and address of stock exchange supporting institutions and or professions.

Informasi memuat antara lain: 1. Nama dan alamat BAE 2. Nama dan alamat Kantor Akuntan Publik 3. Nama dan alamat perusahaan pemeringkat efek Information includes, following item: 1. Name and address of Shares Register Agency. 2. Name and address of Public Accountants’ Office. 3. Name and address of the securities rating company.

15.

Penghargaan dan/atau sertifikasi yang diterima perusahaan baik yang berskala nasional maupun internasional Awards and certification received by the company, both on national or international scale

Informasi memuat antara lain: 1. Nama penghargaan dan/atau sertifikasi 2. Tahun perolehan 3. Badan pemberi penghargaan dan/atau sertifikasi 4. Masa berlaku (untuk sertifikasi) The information includes following items: 1. Name of the Award and/or certification 2. Awarding year 3. Awarding and/or certification institutions 4. Validity Period (for certification)

16.

Nama dan alamat entitas anak dan/atau kantor cabang atau kantor perwakilan (jika ada) Name and address of subsidiaries and/ or branch or representative office (if any)


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Penjelasan

Kriteria Criteria

Description

V. Analisis dan Pembahasan Manajamen atas Kinerja Perusahaan V. Management Discussion and Analysis on Company Performance

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1.

Tinjauan operasi per segmen usaha Operational review per business segment

Memuat uraian mengenai: 1. Produksi/kegiatan usaha; 2. Peningkatan/penurunan kapasitas produksi; 3. Penjualan/pendapatan usaha; 4. Profitabilitas; untuk masing-masing segmen usaha yang diungkapkan dalam laporan keuangan (jika ada) The information includes following items: 1. Production/business activity 2. Increase/decrease in production capacity. 3. Sales/operating income. 4. Profitability. For each business segmen disclosed in the financial statement (if any)

2.

Uraian atas kinerja keuangan perusahaan Description of company’s financial performance

Analisis kinerja keuangan yang mencakup perbandingan antara kinerja keuangan tahun yang bersangkutan dengan tahun sebelumnya (dalam bentuk narasi dan tabel) , antara lain mengenai: 1. Aset lancar, aset tidak lancar, dan total aset 2. Liabilitas jangka pendek, liabilitas jangka panjang dan total liabilitas 3. Ekuitas 4. Penjualan/pendapatan usaha, beban dan laba (rugi), pendapatan komprehensif lain, dan total laba (rugi) komprehensif 5. Arus kas Financial performance analysis including comparison between current year with previous year financial performance (in naration and table forms), The information includes following items: 1. Current asset, non-current asset and total asset 2. Short-term liabilities, long-term liabilities and total liabilities 3. Equity 4. Operating revenue/cost of sales, income (loss) and expense, other comprehensive income and total comprehensive income (loss)

3.

Bahasan dan analisis tentang kemampuan membayar utang dan tingkat kolektibilitas piutang perusahaan, dengan menyajikan perhitungan rasio yang relevan Discussion and analysis regarding Company’s solvability and collectibility by presenting relevant ratio calculation

Penjelasan tentang : 1. Kemampuan membayar hutang, baik jangka pendek maupun jangka panjang 2. Tingkat kolektibilitas piutang Explanation on: 1. Solvability, both short or long term 2. Accounts receivable collectability ratio

4.

Bahasan tentang struktur modal (capital structure), dan kebijakan manajemen atas struktur modal (capital structure policy) Discussion on capital structure and capital structure policy

Penjelasan atas: 1. Struktur modal (capital structure), dan 2. Kebijakan manajemen atas struktur modal (capital structure policy) Explanation about: 1. Capital Structure 2. Capital Structure Policy


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Kriteria Criteria

Penjelasan

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Description

5.

Bahasan mengenai ikatan yang material untuk investasi barang modal Discussion on capital goods investment material commitment

Penjelasan tentang: 1. Tujuan dari ikatan tersebut 2. Sumber dana yang diharapkan untuk memenuhi ikatan-ikatan tersebut 3. Mata uang yang menjadi denominasi 4. Langkah-langkah yang direncanakan perusahaan untuk melindungi risiko dari posisi mata uang asing yang terkait Catatan: apabila perusahaan tidak mempunyai ikatan terkait investasi barang modal, agar diungkapkan Explanation about: 1. The purpose of the commitment 2. Fund source expected to fullfil respective commitment 3. Currency of denomination. 4. Steps taken by the company to protect the risk against related foreign currency position. Note: Should be disclosed if the company has no material ties in capital goods investments.

6.

Jika laporan keuangan mengungkapkan peningkatan atau penurunan yang material dari penjualan/ pendapatan bersih, maka berikan bahasan tentang sejauh mana perubahan tersebut dapat dikaitkan dengan jumlah barang atau jasa yang dijual, dan/ atau adanya produk atau jasa baru. If the financial statement discloses material increase or decrease in the sales or net income, that the an explanation should disclose regarding the extent of respective changes can be linked to, among others, the amount of goods or services sold, and or the existence of new products or services.

Penjelasan mengenai: 1. Besaran peningkatan/penurunan penjualan atau pendapatan bersih 2. Faktor penyebab peningkatan/penurunan material dari penjualan atau pendapatan bersih yang dikaitkan dengan jumlah barang atau jasa yang dijual, dan/atau adanya produk atau jasa baru Explanation about: 1. Amount of increase/decrease in sales or net income 2. Increase/decrease in material from the sales or net income causative factors related to amount of goods or services sold, and or any new products or services

7.

Informasi perbandingan antara target pada awal tahun buku dengan hasil yang dicapai (realisasi), dan target atau proyeksi yang ingin dicapai untuk satu tahun mendatang mengenai pendapatan, laba, struktur permodalan, atau lainnya yang dianggap penting bagi perusahaan Comparative information between target at the initial financial year with the realization, and target or projection for next one year regarding revenue, income, capital structure, or other aspects considered significant for the Company

Informasi memuat antara lain: 1. perbandingan antara target pada awal tahun buku dengan hasil yang dicapai (realisasi) 2. target atau proyeksi yang ingin dicapai dalam satu tahun mendatang Information includes folloowing item: 1. Comparison between target at the beginning of fiscal year with the realization 2. Implemented target or projection in next one year

8.

Informasi dan fakta material yang terjadi setelah tanggal laporan akuntan Material Information and facts subsequent to the date of the accountant’s report

Uraian kejadian penting setelah tanggal laporan akuntan termasuk dampaknya terhadap kinerja dan risiko usaha di masa mendatang. Catatan: apabila tidak ada kejadian penting setelah tanggal laporan akuntan, agar diungkapkan Description regarding significant events subsequent to the date of the accountant’s report including their impact on future business performance and risks. Note: Should be disclosed if there is no significant subsequent events after the date of the acountant’s report.

9.

Uraian tentang prospek usaha perusahaan Company’s Business Prospect Description

Uraian mengenai prospek perusahaan dikaitkan dengan industri dan ekonomi secara umum disertai data pendukung kuantitatif dari sumber data yang layak dipercaya Company’s prospects description related with industry and economy generally, accompanied with supporting quantitative data from reliable data source.


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Kriteria Criteria

Description

10.

Uraian tentang aspek pemasaran Marketing Aspect Description

Uraian tentang aspek pemasaran atas produk dan/ atau jasa perusahaan, antara lain strategi pemasaran dan pangsa pasar Information regarding the marketing aspect of the company’s products and services, namely marketing and market share strategy.

11.

Uraian mengenai kebijakan dividen dan jumlah dividen kas per saham dan jumlah dividen per tahun yang diumumkan atau dibayar selama 2 (dua) tahun buku terakhir Dividend policy and the dates and total dividend per share (cash and/or non cash) and total dividend per year declared and paid for the last 2 (two) years

Memuat uraian mengenai: 1. Jumlah dividen 2. Jumlah dividen per saham 3. Payout ratio Catatan: apabila tidak ada pembagian dividen, agar diungkapkan alasannya. Information includes following item: 1. Total dividend 2. Total dividend per share 3. Payout ratio Note: if no dividend was paid, state the reason

12.

Realisasi penggunaan dana hasil penawaran umum (dalam hal perusahaan masih diwajibkan menyampaikan laporan realisasi penggunaan dana) IPO Proceeds realization (regarding the Company is obligated to disclose IPO proceeds realization report)

13.

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Penjelasan

Informasi material mengenai investasi, ekspansi, divestasi, penggabungan/peleburan usaha, akuisisi atau restrukturisasi utang/modal Material information, regarding investment, expansion, divestment, acquisition, debt/capital restructuring


Memuat uraian mengenai:

1. Total perolehan dana, 2. Rencana penggunaan dana, 3. Rincian penggunaan dana, 4. Saldo dana, dan 5. Tanggal persetujuan RUPS

atas perubahan penggunaan dana (jika ada) Information includes following item: 1. Total funds acquired. 2. IPOProceeds plan. 3. Details of IPO Proceeds 4. Outstanding Proceeds. 5. Date of GMS Approval on IPO Proceeds amendment (if any). Memuat uraian mengenai:

1. Tujuan dilakukannya transaksi; 2. Nilai transaksi atau jumlah yang direstrukturisasi; 3. Sumber dana.

Catatan: apabila tidak mempunyai transaksi dimaksud, agar diungkapkan Information includes following item: 1. The purpose of respective transaction; 2. The transactions value or amount of fund restructurized; 3. Source of funds Note: if there are no such transactions, shall be disclosed

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Kriteria Criteria

Penjelasan

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Description

14.

Informasi transaksi material yang mengandung benturan kepentingan dan/atau transaksi dengan pihak afiliasi. Information on material transactions with conflict of interest and/or transactions with related parties.

Memuat uraian mengenai: 1. Nama pihak yang bertransaksi dan sifat hubungan afiliasi; 2. Penjelasan mengenai kewajaran transaksi; 3. Alasan dilakukannya transaksi; 4. Realisasi transaksi pada periode berjalan; 5. Kebijakan perusahaan terkait dengan mekanisme review atas transaksi; dan 6. Pemenuhan peraturan dan ketentuan terkait. Catatan: apabila tidak mempunyai transaksi dimaksud, agar diungkapkan Information includes following item: 1. Name of person performed and nature of affiliated transaction; 2. Transaction fairness statement 3. Reason of the transaction 4. Transaction realization in current period 5. Company’s policy related with transaction review mechanism; and 6. Compliance with regulation and related provision Note: if there is no respective transaction, shall be disclosed

15.

Uraian mengenai perubahan peraturan perundangundangan yang berpengaruh signifikan terhadap perusahaan Explanation regarding changes in regulation that holds significant impact to the company

Uraian memuat antara lain: perubahan peraturan perundang-undangan dan dampaknya terhadap perusahaan Catatan: apabila tidak terdapat perubahan peraturan perundang-undangan yang berpengaruh signifikan, agar diungkapkan Description should contain among others: any changes in regulation and its impact on the company Note: if there is no change in regulation with significant effect, shall be disclosed

Uraian mengenai perubahan kebijakan akuntansi Explanation regarding changes in accounting policy

Uraian memuat antara lain: perubahan kebijakan akuntansi, alasan dan dampaknya terhadap laporan keuangan Description should contain among others: changes in accounting policy as well as its reason and impact to the financial statement

VI. Tata Kelola Perusahaan VI. Good Corporate Governance


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Kriteria Criteria

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1.

Uraian Dewan Komisaris Board of Commissioners Description

Uraian memuat antara lain: 1. Uraian tanggung jawab Dewan Komisaris 2. Pengungkapan prosedur penetapan remunerasi 3. Struktur remunerasi yang menunjukkan komponen remunerasi dan jumlah nominal per komponen untuk setiap anggota Dewan Komisaris 4. Frekuensi pertemuan dan tingkat kehadiran Dewan Komisaris dalam pertemuan 5. Program pelatihan dalam rangka meningkatkan kompetensi Dewan Komisaris 6. Pengungkapan mengenai Board Charter (pedoman dan tata tertib kerja Dewan Komisaris) Includes following items: 1. Board of Directors duties description 2. Remuneration policy disclosure 3. Remuneration structure indicating remuneration component for every Board of Commissioners member and per component nominal value for each Board of Commissioners member 4. Board of Commissioners meeting frequency and attendance level in the meeting 5. Training program to enhance Board of Commissioners competency 6. Board Charter (Board of Commissioners Manual) disclosure

2.

Uraian Direksi Board of Directors Description

Uraian memuat antara lain: 1. Ruang lingkup pekerjaan dan tanggung jawab masing-masing anggota Direksi 2. Frekuensi pertemuan 3. Tingkat kehadiran anggota direksi dalam pertemuan 4. Program pelatihan dalam rangka meningkatkan kompetensi direksi 5. Pengungkapan mengenai Board Charter (pedoman dan tata tertib kerja Direksi) Includes following items: 1. Scope of work and responsibility of each Board of Directors member 2. Meeting frequency 3. Board of Directors attendance level in the meeting 4. Training program to enhance Board of Directors competency 5. Board Charter disclosure (Board of Directors Manual)

3.

Assessment terhadap anggota Dewan Komisaris dan/atau Direksi Board of Commissioners and/or Board of Directors members assessment

Mencakup antara lain: 1. Proses pelaksanaan assessment atas kinerja anggota Dewan Komisaris dan/atau Direksi 2. Kriteria yang digunakan dalam pelaksanaan assessment atas kinerja anggota Dewan Komisaris dan/atau Direksi 3. Pihak yang melakukan assessment Includes following items: 1. Board of Commissioners and/or Board of Directors members’ performance assessment process. 2. Criteria used in carrying the performance assessment of Board of Commissioners and/or Board of Directors’ members’ performance. 3. Assessor party


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Penjelasan

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Description

4.

Uraian mengenai kebijakan remunerasi bagi Direksi Description of Board of Directors remuneration policy

Mencakup antara lain: 1. Pengungkapan prosedur penetapan remunerasi 2. Struktur remunerasi yang menunjukkan jenis dan jumlah imbalan jangka pendek, pasca kerja, dan/ atau jangka panjang lainnya untuk setiap anggota Direksi 3. Pengungkapan indikator kinerja untuk mengukur performance Direksi Includes following item: 1. Disclosure of Remuneration procedure policy 2. Remuneration structure indicating types and total of short-term remuneration, post employment and/ other long term Remuneration for every Board of Directors’ member 3. Disclosure of Key performance indicators to assess Board of Directors’ performance

5.

Informasi mengenai Pemegang Saham Utama dan Pengendali, baik langsung maupun tidak langsung, sampai kepada pemilik individu Information regarding majority and controlling shareholders both directly or indirecty to personal owner

Dalam bentuk skema atau diagram In form of scheme or chart

6.

Pengungkapan hubungan afiliasi antara anggota Direksi, Dewan Komisaris, dan Pemegang Saham Utama dan/atau Pengendali Disclosure of affiliated Relationship between Board of Directors members, Board of Commissiones members and/or Majority/Controlling Shareholders

Mencakup antara lain: 1. Hubungan afiliasi antara anggota Direksi dengan anggota Direksi lainnya 2. Hubungan afiliasi antara anggota Direksi dengan anggota Dewan Komisaris 3. Hubungan afiliasi antara anggota Direksi dengan Pemegang Saham Utama dan/atau Pengendali 4. Hubungan afiliasi antara anggota Dewan Komisaris dengan anggota Dewan Komisaris lainnya 5. Hubungan afiliasi antara anggota Dewan Komisaris dengan Pemegang Saham Utama dan/atau Pengendali Catatan: apabila tidak mempunyai hubungan afiliasi dimaksud, agar diungkapkan Includes following item: 1. Affiliated relationship between Board of Directors and Board of Commissioners members 2. Affiliated relationship between Board of Directors members with Majority and/or Controlling Shareholders 3. Affiliated relationship between Borad of Commissioners members 4. Affiliated relationship between Board of Commissioners memebrs with Majority/Controlling Shareholders Note: if do not have respective affiliated relationship, shall be disclosed


13


Kriteria Criteria

14


7.

Komite Audit Audit Committee

Mencakup antara lain: 1. Nama dan jabatan anggota komite audit 2. Kualifikasi pendidikan dan pengalaman kerja anggota komite audit 3. Independensi anggota komite audit 4. Uraian tugas dan tanggung jawab 5. Laporan singkat pelaksanaan kegiatan komite audit 6. Frekuensi pertemuan dan tingkat kehadiran komite audit Includes following item: 1. Name and position of Audit Committee members. 2. Educational qualification and employment history of Audit Committee members 3. Audit committee members independency 4. Duties and responsibilities description 5. Audit committee meeting frequency and attendance level

8.

Komite Nominasi dan Remunerasi Remuneration and Nomination Committee

Mencakup antara lain: 1. Nama, jabatan, dan riwayat hidup singkat anggota komite nominasi dan/atau remunerasi 2. Independensi anggota komite nominasi dan/atau remunerasi 3. Uraian tugas dan tanggung jawab 4. Uraian pelaksanaan kegiatan komite nominasi dan/ atau remunerasi 5. Frekuensi pertemuan dan tingkat kehadiran komite nominasi dan/atau remunerasi Includes following items: 1. Name, position and brief profile of Nomination and/ or Remuneration Committee members 2. Nomination and/or remuneration committee members independency 3. Duties and responsibilities description 4. Nomination and/or remuneration committee duties implementation report 5. Nomination and/or remuneration committee meeting frequency and attendance level

9.

Komite-komite lain di bawah Dewan Komisaris yang dimiliki oleh perusahaan Other committees under the Board of Commissioners

Mencakup antara lain: 1. Nama, jabatan, dan riwayat hidup singkat anggota komite lain 2. Independensi anggota komite lain 3. Uraian tugas dan tanggung jawab 4. Uraian pelaksanaan kegiatan komite lain 5. Frekuensi pertemuan dan tingkat kehadiran komite lain Includes following items: 1. Name, level, and brief profile of the members of the committees 2. Other committees members independency 3. Duties and responsibilities description 4. Other committees duties implementation report 5. Other committees meeting frequency of meetings and the attendance level.

10.

Uraian tugas dan fungsi sekretaris perusahaan Corporate Secretary duties and function description

Mencakup antara lain: 1. Nama dan riwayat jabatan singkat sekretaris perusahaan 2. Uraian pelaksanaan tugas sekretaris perusahaan Includes following items: 1. Name and brief profile of Corporate Secretary officer 2. Corporate Secretary duties implementation report


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Kriteria Criteria

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Description

11.

Uraian mengenai unit audit internal Description of internal audit unit in the Company

Mencakup antara lain: 1. Nama ketua unit audit internal 2. Jumlah pegawai pada unit audit internal 3. Kualifikasi/sertifikasi sebagai profesi audit internal 4. Struktur atau kedudukan unit audit internal 5. Uraian pelaksanaan tugas 6. Pihak yang mengangkat/memberhentikan ketua unit audit internal Includes following items: 1. Name of the Head of internal audit unit 2. Number of internal audit unit employees 3. Internal audit qualification/certification as an internal audit profession 4. Organizational structure or position of the internal audit unit 5. Duties implementation report 6. Respective party that appoints or dismisses the Head of Internal Audit Unit

12.

Akuntan perseroan Corporate Accountant

Informasi memuat antara lain: 1. Jumlah periode akuntan telah melakukan audit laporan keuangan tahunan perusahaan 2. Jumlah periode Kantor Akuntan Publik telah melakukan audit laporan keuangan tahunan perusahaan 3. Besarnya fee audit dan jasa atestasi lainnya (dalam hal akuntan memberikan jasa atestasi lainnya bersamaan dengan audit) 4. Jasa lain yang diberikan akuntan selain jasa financial audit Catatan: apabila tidak ada jasa lain dimaksud, agar diungkapkan The information Includes following items: 1. Number of audit periods that the accountant has audited the Company’s financial statements 2. Number of audit periods that the public accountant office has audited the Company’s financial statements 3. The Amount of Audit or other attestation fee 4. Other services provided by the accountant beside financial audit service Notes: if there is no other service, shall be disclosed

13.

Uraian mengenai manajemen risiko perusahaan Description of to Risk Management of the Company

Mencakup antara lain:

1. Penjelasan mengenai sistem manajemen risiko 2. Penjelasan mengenai evaluasi yang dilakukan atas

efektivitas sistem manajemen risiko

3. Penjelasan mengenai risiko-risiko yang dihadapi

perusahaan

4. Upaya untuk mengelola risiko tersebut

The information Includes following items: 1. Explanation of Risk Management System. 2. Explanation of Evaluation of Risk Management Activity. 3. Explanation of the risks faced by the company 4. Efforts to manage those risks.


15


Kriteria Criteria

16


14.

Uraian mengenai Sistem Pengendalian Internal Explanation of Internal Audit System

Mencakup antara lain: 1. Penjelasan singkat mengenai sistem pengendalian internal, antara lain mencakup pengendalian keuangan dan operasional 2. Penjelasan kesesuaian sistem pengendalian intern dengan kerangka yang diakui secara internasional/ COSO (control environment, risk assessment, control activities, information and communication, and monitoring activities) 3. Penjelasan mengenai evaluasi yang dilakukan atas efektivitas sistem pengendalian intern The information Includes following items: 1. Brief explanation regarding internal audit system, including operational and financial audit 2. Explanation of internal audit system conformity with international recognized framework/COSO (control environment, risk assessment, control activities, information and communication, and monitoring activities) 3. Explanation regarding evaluation on internal audit system effectiveness

15.

Uraian mengenai Corporate Social Responsibility yang terkait dengan lingkungan hidup Description of corporate social responsibility on environmental activities.

Mencakup antara lain informasi tentang: 1. Kebijakan, 2. Kegiatan yang dilakukan, dan 3. Dampak keuangan dari kegiatan terkait program lingkungan hidup yang berhubungan dengan kegiatan operasional perusahaan, seperti penggunaan material dan energi yang ramah lingkungan dan dapat didaur ulang, sistem pengolahan limbah perusahaan, dan lain-lain 4. Sertifikasi di bidang lingkungan yang dimiliki Information, includes as follows: 1. Policy 2. Activities performed 3. Financial impact from the environmental program related to Company’s operational, namely environmental friendly and recyclable material and energy utilization, Company's waste management system and so forth. 4. Certification on Environmental sector (if any)

16.

Uraian mengenai Corporate Social Responsibility yang terkait dengan ketenagakerjaan, kesehatan dan keselamatan kerja Description of Corporate Social Responsibility on occupational health and safety activities.

Mencakup antara lain informasi tentang: 1. Kebijakan, 2. Kegiatan yang dilakukan, dan 3. Dampak keuangan dari kegiatan terkait praktik ketenagakerjaan, kesehatan, dan keselamatan kerja, seperti kesetaraan gender dan kesempatan kerja, sarana dan keselamatan kerja, tingkat turnover karyawan, tingkat kecelakaan kerja, dan lain-lain Information, includes as follows: 1. Policy 2. Activities carried out 3. Financial impact regarding employment practice, occupational health and safety such as gender equity and job opportunity, occupational infrastructure and safety, employee turnover rate, occupational accident rate and so forth


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Penjelasan

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Description

17.

Uraian mengenai Corporate Social Responsibility yang terkait dengan pengembangan sosial dan kemasyarakatan Description of Corporate Social Responsibility on social and community empowerment activities.

Mencakup antara lain informasi tentang: 1. Kebijakan, 2. Kegiatan yang dilakukan, dan 3. Dampak keuangan dari kegiatan 4. Terkait pengembangan sosial dan kemasyarakatan, seperti penggunaan tenaga kerja lokal, pemberdayaan masyarakat sekitar perusahaan, perbaikan sarana dan prasarana sosial, bentuk donasi lainnya, dan lain-lain Information, includes as follows: 1. Policy 2. Activities carried out 3. Financial impact regarding social empowerment activity among others indigeneous manpowers, surrounding community empowerment, social infrastructure improvement, other donations and so forth

18.

Uraian mengenai corporate social responsibility yang terkait dengan tanggung jawab kepada konsumen Description of corporate social responsibility related with responsibility to the customers.

Mencakup antara lain: 1. Kebijakan, 2. Kegiatan yang dilakukan, dan 3. Dampak keuangan dari kegiatan terkait tanggung jawab produk, seperti kesehatan dan keselamatan konsumen, informasi produk, sarana, jumlah dan penanggulangan atas pengaduan konsumen, dan lain-lain Information, includes as follows: 1. Policy 2. Activities carried out 3. Financial impact regarding product responsibility, customer's health and safety, product information, facility, numbers and response to customer's complaint and so forth.

19.

Perkara penting yang sedang dihadapi oleh perusahaan, entitas anak, anggota Direksi dan/atau anggota Dewan Komisaris yang menjabat pada periode laporan tahunan Litigation or legal cases faced by the Company, subsidiaries, members of Board of Directors and/ or Board of Commissioners serving on the Annual Report period

Mencakup antara lain: 1. Pokok perkara/gugatan 2. Status penyelesaian perkara/gugatan 3. Pengaruhnya terhadap kondisi keuangan perusahaan Catatan: dalam hal tidak berperkara, agar diungkapkan. The information Includes following items: 1. Case/litigation decsription 2. Case/litigation settlement status 3. Impacts on the Company’s financial condition Notes: If there is no case/claim, shall be disclosed

20.

Akses informasi dan data Perusahaan Information Access and Corporate Data

Uraian mengenai tersedianya akses informasi dan data perusahaan kepada publik, misalnya melalui website (dalam bahasa Indonesia dan bahasa Inggris), media massa, mailing list, buletin, pertemuan dengan analis, dan sebagainya Description on access to corporate information and data to the public, for example through website, mass media, mailing list, bulletin etc. availability.

21.

Bahasan mengenai etika bisnis Perusahaan Discussion on Corporate business ethic

Memuat uraian antara lain:

1. Isi etika bisnis 2. Pengungkapan bahwa kode etik berlaku bagi

seluruh level organisasi

3. Upaya dalam penerapan dan penegakannya 4. Pernyataan mengenai budaya perusahaan

(corporate culture) yang dimiliki perusahaan The information Includes following items: 1. Business ethnic Content 2. Revelation of Business ethnic is applicable to all organization level. 3. Efort implementation and enforcement effort 4. Statement about Corporate Culture


17


Kriteria Criteria

22.

Pengungkapan mengenai whistleblowing system Disclosures of the whistleblowing system


Memuat uraian tentang mekanisme whistleblowing system antara lain: 1. Penyampaian laporan pelanggaran 2. Perlindungan bagi whistleblower 3. Penanganan pengaduan 4. Pihak yang mengelola pengaduan 5. Hasil dari penanganan pengaduan Includes whistleblowing system mechanism: 1. Distribution of whistleblowing report 2. Protection for the whistleblower 3. Report handling 4. Report management party 5. Result of report handling

VII. Informasi Keuangan Financial information

18

1.

Surat pernyataan direksi dan/atau dewan komisaris tentang tanggung jawab atas laporan keuangan Board of Directors statement regarding to the Responsibility of the financial statement

2.

Opini auditor independen atas laporan keuangan Independent auditor’s opinion on the financial statement.

3.

Deskripsi opini auditor independen di Laporan keuangan Independent auditor’s opinion description on the financial statement

4.

Laporan keuangan yang lengkap full financial statements


Kesesuaian dengan peraturan terkait tentang tanggung jawab atas laporan keuangan Financial Statement compliance with related regulation responsibility.

Deskripsi memuat tentang: 1. Nama & tanda tangan 2. Tanggal Laporan Audit 3. Nomor ijin KAP dan nomor ijin Akuntan Publik The description contains: 1. Name and signature. 2. Audit Report Date 3. Public Accountant Office and Individual Public Accountant license number. Memuat secara lengkap unsur-unsur laporan keuangan: 1. Laporan posisi keuangan (neraca) 2. Laporan laba rugi komprehensif 3. Laporan perubahan ekuitas 4. Laporan arus kas 5. Catatan atas laporan keuangan 6. Laporan posisi keuangan pada awal periode komparatif yang disajikan ketika entitas menerapkan suatu kebijakan akuntansi secara retrospektif atau membuat penyajian kembali pos-pos laporan keuangan, atau ketika entitas mereklasifikasi pospos dalam laporan keuangannya (jika relevan) includes all elements of the financial statements: 1. Balance sheet 2. Comprehensive income statement 3. Report on changes in equity 4. Cash flow statement 5. notes to the financial statement 6. financial position at the beginning of the comparative periods presented if the company implemented an accounting policy retrospectively or restated an account in the financial statement, or if the company reclassified financial statement accounts (if relevant)

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Description

5.

Pengungkapan dalam catatan atas laporan keuangan Ada atau tidak ada pengungkapan sesuai dengan PSAK ketika entitas menerapkan suatu kebijakan akuntansi state whether or not there is disclosure according to secara retrospektif atau membuat penyajian kembali SFAS pos-pos laporan keuangan, atau ketika entitas mereklasifikasi pos-pos dalam laporan keuangannya Disclosure in notes to the financial statement when the company applies an accounting policy retrospectively or restates an account in the financial statement or reclassifies an account in the financial statement

6.

Perbandingan tingkat profitabilitas Comparison of profitability ratio

7.

Laporan arus kas Cash flow report

8.

Ikhtisar kebijakan akuntansi Accounting policy highlights

9.

Pengungkapan transaksi pihak berelasi Affiliated Party transaction disclosure

Memenuhi ketentuan sebagai berikut: 1. Pengelompokan dalam tiga kategori aktivitas: operasi, investasi, dan pendanaan 2. Penggunaan metode langsung (direct method) untuk melaporkan arus kas dari aktivitas operasi 3. Pemisahan penyajian antara penerimaan kas dan/ atau pengeluaran kas selama tahun berjalan pada aktivitas operasi, investasi dan pendanaan 4. Pengungkapan transaksi non kas harus dicantumkan dalam catatan atas laporan keuangan should fulfill the following provisions: 1. Classification of activities into three categories: operating, investing and financing 2. Use of the direct method to report cash flow from operating activities 3. Separate presentation of cash income and/or expenditure in the current year from operating, investing and financing activities 4. Disclosure of non-cash activities in the notes to the financial statement Meliputi sekurang-kurangnya:

1. Pernyataan kepatuhan terhadap SAK 2. Dasar pengukuran dan penyusunan

laporan keuangan 3. Pengakuan pendapatan dan beban 4. Aset tetap 5. Instrumen keuangan Includes at least: 1. Statement of compliance with SAK. 2. Financial statement measurement and preparation foundation 3. Income and expense recognition 4. Fixed Asset 5. Financial Instrument Hal-hal yang diungkapkan antara lain: 1. Nama pihak berelasi, serta sifat dan hubungan dengan pihak berelasi; 2. Nilai transaksi beserta persentasenya terhadap total pendapatan dan beban terkait; dan Jumlah saldo beserta persentasenya terhadap total aset atau liabilitas. Several aspects disclosed, as follows: 1. Name of the affiliated parties, as well as the nature and relationship with the affiliated parties. 2. Value of the transaction and the percentage on total related income or expense. 3. Outstanding and the percentage towards total asset or liabilities.


19


Kriteria Criteria

20


10.

Pengungkapan yang berhubungan dengan perpajakan Disclosure on any aspects related with Taxation

Hal-hal yang harus diungkapkan: 1. Nama pihak berelasi, serta sifat dan hubungan dengan pihak berelasi 2. Nilai transaksi beserta persentasenya terhadap total pendapatan dan beban terkait 3. Jumlah saldo beserta persentasenya terhadap total aset atau liabilitas 4. Syarat dan ketentuan transaksi dengan pihak berelasi items that must be disclosed: 1. Name(s) of related parties, and nature of relationship with related parties 2. Value of transactions and percentage of total related income and expense 3. Balance and percentage of total assets or liabilities 4. terms and conditions of related party transactions

11.

Pengungkapan yang berhubungan dengan aset tetap Disclosure of fixed assets

Hal-hal yang harus diungkapkan: 1. Metode penyusutan yang digunakan; 2. Uraian mengenai kebijakan akuntansi yang dipilih antara model revaluasi dan model biaya; 3. Metode dan asumsi signifikan yang digunakan dalam mengestimasi nilai wajar aset tetap (untuk model revaluasi) atau pengungkapan nilai wajar aset tetap (untuk model biaya); dan 4. Rekonsiliasi jumlah tercatat bruto dan akumulasi penyusutan aset tetap pada awal dan akhir periode dengan menunjukkan: penambahan, pengurangan dan reklasifikasi Items that must be disclosed: 1. Depreciation method used 2. Explanation of whether fair value model or cost model have been adopted as accounting policy 3. Method and significant assumptions used in estimating the fair value of fixed assets (revaluation model) or disclosing the fair value of fixed assets (cost model) 4. Reconciliation of recorded gross amount and cumulative depreciation of fixed assets at the beginning and end of the period by showing addition, reduction and reclassification

12.

Kebijakan akuntansi yang berhubungan dengan imbalan kerja Accounting Policy related with employment benefits

Hal-hal yang harus diungkapkan: 1. Jenis imbalan kerja yang diberikan kepada karyawan; 2. Deskripsi umum mengenai jenis program imbalan pascakerja yang diselenggarakan oleh perusahaan; 3. Kebijakan akuntansi perusahaan dalam mengakui keuntungan dan kerugian aktuarial; dan 4. Pengakuan keuntungan dan kerugian untuk kurtailmen dan penyelesaian. Several aspects shall be disclosed: 1. Type of employment benefit provided to employees 2. General description regarding post employment benefit program held by the company 3. Accounting policy in the company to recognize actuarial Income and loss; and 4. Income and loss recognition for curtailment and settlement


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Kriteria Criteria

13

Pengungkapan yang berhubungan dengan instrumen keuangan Disclosure regarding the Financial Instruments

14.

Penerbitan laporan keuangan Issuance of Financial Statements

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Description

Hal-hal yang harus diungkapkan: 1. Persyaratan, kondisi dan kebijakan akuntansi untuk setiap kelompok instrumen keuangan; 2. Klasifikasi instrumen keuangan; 3. Nilai wajar tiap kelompok instrumen keuangan; 4. Tujuan dan kebijakan manajemen risiko; 5. Penjelasan risiko yang terkait dengan instrumen keuangan: risiko pasar, risiko kredit dan risiko likuiditas; dan 6. Analisis risiko yang terkait dengan instrumen keuangan secara kuantitatif. Shall be disclosing: 1. Accounting policy, requirement and condition for every financial instrument group; 2. Financial instrument classification; 3. Fair value for every financial instrument group risk management policy and objectives; 4. Risk Management policy and objectives; 5. Explanation of financial instrument inherent risk: market risk, credit risk and liquidity risk and 6. Quantitative analysis on every risk related to financial instrument Hal-hal yang diungkapkan antara lain:

1. Tanggal laporan keuangan diotorisasi untuk terbit;

dan

2. Pihak yang bertanggung jawab mengotorisasi

laporan keuangan. Several aspects shall be disclosed, as follows: 1. Date of authorized financial statements issuance; and 2. Responsible parties in authorizing financial statements.


21

Daftar Isi Table of Content

22

Referensi Penyusunan Laporan Tahunan

2

Annual Report writing Reference

Kesinambungan Tema Laporan Tahunan

26

Annual Report Theme Sustainability

Performa Penting 2013

28

Significant Performance 2013

Ikhtisar Keuangan 5 Tahun Terakhir

30

Financial Highlights in The Last 5 Years

Laporan Manajemen

32

Management Report

Laporan Dewan Komisaris

34

Report from the Board of Commissioners

Profil Dewan Komisaris

42

The Board of Commissioners Profile

Laporan Direksi

44

Board of Directors Report

Profil Direksi

49

Board of Directors Profile

Profil Pejabat

52

Executive Profile

Tanggung Jawab Atas Laporan Tahunan 2013

61

Resposibility of Annual Report 2013

Profil Perusahaan

62

Corporate Profile

Informasi Perusahaan

64

Corporate Information

Sekilas Bank SULUT

65

Bank SULUT in Brief

Jejak Langkah

66

Milestone

Bidang usaha

68

Bussiness Field

Wilayah Operasional

69

Operational Area

Struktur Organisasi

70

Organizational Structure

Visi dan Misi

72

Vision and Mission

Komposisi Pemegang Saham

73

Shareholder Composition

Daftar Entitas dan Entitas Asosiasi

72

Daftar Entitas Anak dan Entitas Asosiasi

Peristiwa Penting

74

Significant Events

Mitra Usaha

81

Business Partners

Sumber Daya Manusia

82

Human Resources

Teknology Informasi

86

Information Technology


Analisa dan Pembahasan Manajemen

90

Management's Discussion and Analysis

Gambaran Umum Makro Ekonomi Indonesia Tahun 2013

91

Indonesian Macroeconomic Outlook 2013

Tinjauan Kinerja per Segmen Usaha

96

Performance Review per Business Segment

Tinjauan Kinerja Keuangan

103

Financial Review

Aset

112

Asset

Liabilitas

115

Liabilities

Ekuitas

118

Equity

Rasio-rasio Keuangan

124

Financial Ratios

Perbandingan Antara Target Awal Tahun Buku dengan Realisasi Tahun 2013 dan Proyeksi Tahun 2014

129

Comparison between Target at the beginning of fiscal year with Realization of 2013 and Projection of 2014

Informasi dan Fakta Material Setelah Tanggal Laporan Akuntan

130

Subsequent Information and Material fact After Accounting Reporting Date

Prospek 2014

134

Prospect 2014

Aspek Pemasaran

135

Marketing Aspect

Kebijakan Dividen & Kronologi & Kronologi Pembayaran Dividen

136

Dividend Policy & Chronology of Dividend Distribution

Program Kepemilikan Saham oleh Karyawan dan/ atau Manajemen yang Dilaksanakan Perusahaan (ESOP/MSOP)

136

Employee Shares Ownership Program/ Management Shareownership Program

Rencana dan Realisasi Penggunaan Dana Obligasi

137

Bonds Proceeds Plan and Realization

Informasi Material Mengenai Investasi, Ekspansi, Divestasi, penggabungan/Peleburan Usaha, Akuisisi atau Restukturisasi Utang/Modal

137

Material Information Related with Investment, Expansion, Divestment, Business Merger, Debt/ Structure Restructuring

Kontribusi Kepada negara

141

Contribution to State


23

Daftar Isi Table of Content

24

Tata Kelola Perusahaan

142

Good Corporate Governance

Komitmen dan Konsistensi Penerapan Tata Kelola Perusahaan

144

Commitment And Consistency Of Corporate

Road Map Tata Kelola Perusahaan

146

Corporate Governance Roadmap

Rapat Umum Pemegang Saham

149

General Meetings of Shareholders (GMS)

Dewan Komisaris

153

The Board Of Commissioners

Direksi

162

Board of Directors

Informasi Mengenai Pemegang Saham Utama

168

Information of Majority Shareholders

Komite Audit

172

Audit Committee

Komite Pemantau Risiko

181

Risk Monitoring Committee

Komite Remunerasi dan Nominasi

187

Remuneration and Nomination Committee

Sekretaris Perusahaan

191

Corporate Secretary

Penerapan Fungsi Kepatuhan

193

Compliance function Implementation

Unit Audit Internal

195

Internal Audit Unit

Penjelasan Mengenai Akuntan Perseroan

197

Description of Corporate Accountant

Manajemen Risiko

198

Risk Management

Sistem Pengendalian Internal

216

Internal Audit System

Akses Informasi

217

Information Access

Kode Etik

219

Code Of Conduct


Tanggung Jawab Sosial Perusahaan

222

Corporate Social Responsibility

Uraian Mengenai Corporate Social Responsibility yang Terkait Dengan Lingkungan Hidup

225

Description about corporate social responsibility related with environment

Uraian Mengenai Corporate Social Responsibility yang Terkait Dengan Ketenagakerjaan, Kesehatan dan Keselamatan kerja

226

Description regarding corporate social responsibility related with employment, occupational health and safety.

Uraian Mengenai Corporate Social Responsibility yang Terkait Dengan Pengembangan Sosial dan Kemasyarakatan

227

Description regarding corporate social responsibility related with social and community development

Uraian Mengenai Corporate Social Responsibility yang Terkait Dengan Tanggung Jawab Kepada Konsumen

228

Description regarding corporate social responsibility related with responsibility to the customers

Uraian Mengenai Tindak Lanjut Terhadap Pengaduan

230

Description of complaints follow-up

Program Peningkatan Layanan Kepada Konsumen

230

Customers Service Improvement Program

Laporan Keuangan Audit

231

Audited Financial Report


25

Kesinambungan Tema Laporan Tahunan Continuity of Annual Report Theme

Powering up Regional Economic Development

2011

Meningkatkan Pembangunan Ekonomi Daerah Langkah nyata dalam mencapai target Perusahaan dilaksanakan melalui pengembangan produk dan jasa layanan serta seluruh infrastruktur operasional melalui perluasan kemitraan dengan berbagai pihak. Bentuk kerja sama yang terlaksana selama tahun 2012 meliputi penyaluran pendanaan, dukungan sistem Teknologi Informasi serta dalam memperkuat penerapan Tata Kelola Yang Baik (Good Corporate Governance) di Bank SULUT. Concrete initiatives in achieving the Company’s target are realized through products and services development as well as every operational infrastructure within establishment of partnerships with various parties. The partnerships carried in 2012 including loan disbursement, Information and Technology system support as well as partnership in advancing Good Corporate Governance implementation at Bank SULUT.

2012

Ikhtisar Utama Main Highlights

Informasi Pemegang Saham Shareholder Info

Tinjauan Fungsional & Operasional Busines & Operational Review

Tata Kelola Perusahaan Good Corporate Governance

Profil Perusahaan Company Profile

Laporan Manajemen Management Report

Analisa & Pembahasan Manajemen Manajemen Discussion & Analysis

Laporan CSR CSR Report

BANK SULUT ANNUAL REPORT 2012

i

Advancing Partnership, Achieving Excellence Memajukan Kemitraan Mencapai Kesempurnaan Langkah nyata dalam mencapai target Perusahaan dilaksanakan melalui pengembangan produk dan jasa layanan serta seluruh infrastruktur operasional melalui perluasan kemitraan dengan berbagai pihak. Bentuk kerja sama yang terlaksana selama tahun 2012 meliputi penyaluran pendanaan, dukungan sistem Teknologi Informasi serta dalam memperkuat penerapan Tata Kelola Yang Baik (Good Corporate Governance) di Bank SULUT. Concrete initiatives in achieving the Company’s target are realized through products and services development as well as every operational infrastructure within establishment of partnerships with various parties. The partnerships carried in 2012 including loan disbursement, Information and Technology system support as well as partnership in advancing Good Corporate Governance implementation at Bank SULUT.

26


Growing in Regional Diversity Bertumbuh dalam keanekaragaman Daerah Melalui strategi yang tepat dan terencana, kami akan dapat meningkatkan pertumbuhan Bank dan kesejahteraan masyarakat serta karyawan dan memberikan solusi untuk masa depan masyarakat Indonesia serta berdedikasi penuh terhadap para pemegang saham. Through accurate and well-planned strategy, we will elevate growth of the bank along with welfare of society and employees as well as providing solution for the future of Indonesian society and fully dedicated to the shareholders.

2013


27

Performa Penting 2013 Significant Performance 2013

Pada tahun 2013 Bank SULUT berhasil membukukan Aset sebesar

7,805

Rp ASET

7.805.462 6.548.587

Asset

Triliun

In 2013, Bank Sulut booked total assets to Rp7,805 trillion

5.298.034 4.323.410 3.336.846

2009

2010

2011

2012

2013

5.677.152 4.693.789

Loan

3.686.071 3.044.430 2.237.999

28

2010


20,95%

menjadi salah satu pencapaian komitmen bank dalam penyaluran kredit produktif.

Kredit

2009

Kredit yang disalurkan juga mengalami peningkatan sebesar

2011

2012

2013

The loan disbursed also increased by 20.95% and being an achievement of the bank's commitment on productive loan disbursement.

Dana pihak ketiga yang berhasil dihimpun oleh Bank SULUT mencapai

Rp5,026 triliun

mencerminkan peningkatan kepercayaan nasabah atas kinerja Bank SULUT

DANA PIHAK KETIGA Third Party Fund

5.026.542 4.281.696 3.694.206

Third party fund collected by Bank Sulut reached to Rp5,026trillion reflecting increase in customers trust for Bank Sulut's performance.

2.900.058 2.232.363

2009

2010

2011

2012

2013

Bank membukukan kenaikan laba bersih pada tahun 2013 sebesar

30,35% Laba setelah pajak After Tax Income

139,191

79,899

181.432

The Bank booked net income growth by 30.35% in 2013.

72,498

39,637

2009

2010

2011

2012

2013


29

Ikhtisar Keuangan 5 Tahun Terakhir Financial Highlights in The Last 5 Years

Neraca

2013

2012

2011

2010

2009

Aset (Rp juta)

7.805.462

6.548.587

5.298.034

4.323.410

3.336.846

Loan Disbursed (Rp million)

Kredit yang diberikan (Rp juta)

5.677.152

4.693.789

3.686.071

3.044.430

2.237.999

Third Party Fund (Rp million)

Dana pihak ketiga (Rp juta)

5.026.542

4.281.696

3.694.206

2.900.058

2.232.363

Fund Borrowing (Rp million)

Pinjaman diterima Ekuitas

31.256

56.247

82.293

84.024

106.916

Equity

776.658

547.058

429.655

287.266

225.499

Ekuitas

Laba Rugi

2013

Pendapatan Bunga

2012

2011

2010

2009

Statement of Income

1.704.799

836.292

707.373

650.294

414.678

Interest Income

Biaya Bunga

977.352

355.475

307.888

(229.013)

(191.062)

Interest Expense

Pendapatan Bunga Bersih

727.447

480.817

399.485

421.280

223.617

Interest Income - Net

Pendapatan Operasional

47.684

933.811

757.443

686.499

458.222

Operating Income

Biaya Operasional Bersih (Rp juta)

1.479.742

725.190

643.491

561.093

411.687

Operating Expense – Net (Rp million)

Laba Operasional

289.525

208.620

113.953

130.499

60.101

Operating Income

Laba (Rugi) Sebelum Pajak (Rp juta)

267.906

196.713

104.346

118.252

60.219

Income (Loss) before tax (Rp million)

Laba (Rugi) Setelah Pajak (Rp juta)

181.432

139.191

72.498

79.899

39.637

After tax income (loss) (Rp million)

44.461

52.647

23.667

51.140

28.117

Earning per Share

Kredit yang Diberikan per Dana Pihak Ketiga (LDR)

112,94%

108,88%

99,78%

104,98%

100,25%

Loan per Third Party Fund (LDR)

Rasio Kecukupan Modal (CAR) dengan Risiko Kredit, Pasar dan Operasional

17,27%

18,76%

12,71%

10,60%

15,67%

Capital Adequacy Ratio (CAR) with Credit, Market and Operational Risks

Net Interest Margin (NIM)

11,17%

8,66%

8,46%

11,64%

8,40%


Beban Operasi Terhadap Pendapatan Operasi (BOPO)

75,56%

77,66%

84,96%

85,09%

89,84%

Operating Expenses to Operating Income

3,48%

3,00%

2,01%

3,04%

1,89%

Return on Assets

Laba Setelah Pajak terhadap Modal Sendiri (ROE)

36,92%

39,86%

23,02%

32,46%

19,68%

Return on Equity

Rasio Kredit Bermasalah (NPL) Gross

0,54%

0,81%

1,26%

0,98%

0,51%

Non-Performing Loan Ratio - Gross

Rasio Kredit Bermasalah (NPL) Nett

0,21%

0,13%

0,31%

0,19%

0,15%

Non-Performing Loan Ratio - Net

GWM

8,12%

8,00%

8,07%

8,99%

5,09%

Minimum Reserve Requirement

Laba Bersih per Saham Dasar

Laba Sebelum Pajak terhadap Total Aktiva (ROA)

30

Balance Sheet


Ikhtisar Keuangan 5 Tahun Terakhir Financial Highlights in The Last 5 Years

Kinerja Non Keuangan

2013

2012

2011

2010

2009

Non-Financial Performance

Jumlah Karyawan

1.339

1.119

945

908

696

Number of Employees

Jumlah Kantor Bank SULUT

69

57

46

34

34

Number of Bank SULUT Offices

Jumlah Jaringan ATM Bank SULUT

87

72

56

40

40

Number of Bank SULUT ATM Machine

GWM

Rasio Kredit Bermasalah ( NPL ) Nett

Minimum Reserve Requirement

Non-Performing Loan Ratio - Nett

dalam % in %

dalam % in %

8,99

8,07

8,00

8,12

0,31 0,21

5,09 0,15

2009

2010

2011

2012

2013

2009

0,19 0,13

2010

2011

2012

2013

Rasio Kredit Bermasalah

Laba Setelah Pajak terhadap Modal Sendiri

Non-Performing Loan Ratio (NPL) - Gross

Return on Equity (ROE)

dalam % in %

dalam % in %

39,86

1,26

36,92

32,46 0,98

0,81 0,54

0,51

2009

23,02

19,68

2010

2011

2012

2013

2009

2010

2011

2012

2013


31

Laporan Manajemen Management Review

Profil Perusahaan Corporate Profile

Sumber Daya Manusia Human Resources

Laporan Manajemen Management Report

32

Laporan Dewan Komisaris Report from the Board of Commissioners

34

Profil Dewan Komisaris Board of Commissioners Profile

42

Laporan Direksi Report from the Board of Directors

44

Profil Direksi Board of Directors Profile

49

Profil Pejabat Executive Profile

52

Tanggung Jawab Atas Laporan Tahunan 2013 Responsibility of Annual Report 2013

61


Teknologi Informasi Information technology

Analisis Dan Pembahasan Manajemen Management's Discussion and Analysis

Tata Kelola Perusahaan Corporate Governance

Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility

Laporan Keuangan Financial Review

"Kesuksesan Bank SULUT menghadapi tantangan di 2013 merupakan buah kerja keras seluruh karyawan dan manajemen Bank SULUT. Dewan Komisaris juga memandang langkah Direksi dalam menjalankan kebijakan strategis Bank SULUT sudah tepat." "Bank Sulut's achievement in overcoming challenge in 2014 as a result of Bank Sulut's employee and management hardwork. The Board of Commissioners also views every Board of Directors' initiative in carrying Bank Sulut strategic policy has been effective."


33







"Dewan Komisaris mengapresiasi upaya yang dilakukan jajaran Direksi dan seluruh karyawan Bank SULUT sehingga berhasil membawa Bank SULUT membukukan kinerja yang sangat baik sepanjang tahun 2013" The Board of Commissioners appreciates every effort carried by the Board of Directors and management of Bank Sulut that bring Bank Sulut to book excellent performance in 2013.

Robby Jimmy Mamuaja Komisaris Utama President Commissioner

34






Berdasarkan pengamatan Dewan Komisaris, Direksi telah mengelola bank dengan baik, terkait dengan strategi serta eksekusinya, pengendalian risiko, peningkatan sumber daya manusia, serta pelaksanaan prinsipprinsip tata kelola perusahaan yang baik. In the midst of uncertain condition, we proudly report that Bank Sulut succeed in booking satisfying business perforamnce with several key achievements. Based on Board of Commissioners assessment, the Board of Directors has managed the Bank appropriately,

Pemegang Saham yang Terhormat,

Dear Honored Shareholders,

Sepanjang tahun 2013 pertumbuhan perekonomian

Throughout

global

IMF,

decelerationg. Referring to IMF, global economy in 2013

perekonomian global tahun 2013 diperkirakan tumbuh

was estimated to grow by 2.9%, lower from 2012 of 4.2%.

2,9%, melambat dibandingkan tahun 2012 yang sebesar

This affected domectic macro performance with economic

3,2%. Hal ini turut mempengaruhi kinerja makro domestik

growth of 5.7%, decreasing from 2012 which was 6.2%. The

dengan pertumbuhan ekonomi sebesar 5,7%, melambat

condition was also atached with increasing volatility on

dibandingkan tahun 2012 yang tumbuh 6,2%. Kondisi ini

stock market and money market which drove deprciation of

juga diiringi dengan terjadinya peningkatan volatilitas

rupiah against United States Dollar to level of Rp12,171/USD.

masih

dilanda

perlambatan.

Menurut

2013,

global

economic

growth

was

di pasar modal dan pasar uang yang berakibat pada melemahnya nilai tukar rupiah terhadap dolar Amerika hingga menyentuh Rp12.171/USD. Sementara

kebijakan

Pemerintah

Indonesia

untuk

While, policy of Governmetn of Indonesia to reduce

mengurangi BBM bersubsidi, menaikkan Upah Minimum

subisdized oile fuel, appraise Provincial Minimum Wage and

Provinsi serta Tarif Dasar Listrik menjadi sumber peningkatan

Electricity Basic Tariff became the contributors of inflation

inflasi menjadi 8,37%. Tekanan inflasi dan pelemahan

rate growth to 8.37%. Inflation rate pressure and Rupiah

Rupiah mendorong peningkatan BI Rate hingga 175 bps

depreciation encoruaged increase in BI Rate to 175 bps

sepanjang tahun 2013 menuju level 7,5% dan kenaikan suku

during 2013 to level of 7.5% and banking average interest

bunga rata-rata perbankan hingga 150 bps untuk deposit

rate to 150 bps for time deposit to 7.25% and loan to 12%.

menjadi 7,25% dan kredit menjadi 12%. Situasi ini tentunya mempengaruhi kinerja perbankan

The condition surely influenced national banking condition

nasional yang menghadapi tekanan baik dalam hal

which faced pressure both on business expansion and

ekspansi bisnis maupun dalam hal profitabilitas. Seiring

profitability aspects. In line with economic decelaration,

perlambatan ekonomi, penyaluran kredit perbankan secara

annual banking loan disbursement grew by 22%, lower from

tahunan tumbuh di kisaran 22% melambat dibandingkan

previous period. Banking liquidity also remained thight in

periode sebelumnya. Likuiditas perbankan juga terlihat

line with high LDR to 90% while public fund only grew by


35







cukup ketat seiring tingginya LDR hingga 90% sementara

13.8% YoY. On the other hand, national banking loan quality

dana masyarakat hanya tumbuh sebesar 13,8% YoY. Di sisi

was relatively stable with NPL at 2% level and capital ratio at

lain, kualitas kredit perbankan nasional masih tergolong stabil

18% level. National banking performance resilience was also

dengan NPL pada kisaran 2% dan rasio permodalan di kisaran

supproted by anticipatory policy from BI to reduce NPL growth

18%. Resiliensi kinerja perbankan nasional juga didukung

risk, such as LTV policy for Mortgage and credit card ownership

kebijakan antisipatif BI untuk menurunkan resiko peningkatan

limitation policy.

NPL, seperti kebijakan LTV untuk KPR serta kebijakan pembatasan kepemilikan kartu kredit.

Pandangan atas Kinerja Direksi

Appraisal for Board of Directors Performance

Di tengah situasi yang tidak menentu tersebut, kami cukup

In the midst of uncertain condition, we proudly report that Bank

bangga melaporkan bahwa Bank SULUT berhasil meraih

Sulut succeed in booking satisfying business perforamnce with

kinerja usaha yang sangat memuaskan dengan beberapa

several key achievements. Based on Board of Commissioners

pencapaian penting. Berdasarkan pengamatan Dewan

assessment, the Board of Directors has managed the Bank

Komisaris, Direksi telah mengelola bank dengan baik, terkait

appropriately, related with the strategy and execution,

dengan strategi serta eksekusinya, pengendalian risiko,

risk management, human resources improvement and

peningkatan sumber daya manusia, serta pelaksanaan prinsip-

implementation of good corporate governance principles. This

prinsip tata kelola perusahaan yang baik. Hal ini terlihat dari

is indicated from performance of Bank Sulut which reflected

kinerja Bank SULUT yang memperlihatkan peningkatan positif

positive trend in this recent years.

dari tahun ke tahun. Untuk tahun 2013, pendapatan bank meningkat 96,6%

For 2013, revenue of the bank grew by 96.6% from Rp891.39

dari Rp891,39 miliar pada tahun 2012 mejadi Rp1,75 triliun

billion in 2012 to Rp1.75 trillion in 2013. Highest revenue

pada 2013. Kontribusi pendapatan terbesar datang dari

contribution acquired from interest income which grew by

pendapatan bunga yang meningkat 103,85% menjadi Rp1,70

103.8%% to Rp1.70 trillion from previous year which was

triliun dibandingkan tahun sebelumnya yang hanya sebesar

only Rp836.29 billion. On the other hand, assets realization

Rp836,29 miliar. Sedangkan aset mencapai Rp7,80 triliun,

reached to Rp7.80 trillion, grew by 19.19% from Rp6.55 trillion

naik 19,19% dari Rp6,55 triliun pada tahun 2012. Dengan

in 2012. Considering those achievements, in 2013, Bank Sulut

pencapaian tersebut, pada tahun 2013 Bank SULUT berhasil

succeeded in booking comprehensive income for the year

membukukan laba komprehensif tahun berjalan sebesar

of Rp181.43 billion, grew by 30.35% from Rp139.19 billion in

Rp181,43 miliar, tumbuh 30,35% dari Rp139,19 miliar pada

previous year.

tahun sebelumnya. Kesuksesan

36

Bank

SULUT

di

Achievement of Bank Sulut in facing challenge in 2013 is a result

2013 merupakan buah kerja keras seluruh karyawan dan

of hardwork from employees and management of Bank Sulut.

manajemen Bank SULUT. Dewan Komisaris juga memandang

The Board of Commisioners also views that Board of Directors’

langkah Direksi dalam menjalankan kebijakan strategis Bank

initiaitve in managing strategic policy of Bank Sulut has been

SULUT sudah tepat. Ke depan, Dewan Komisaris akan terus

appropriate. In coming years, the Board of Commissioners

memberikan arahan dan masukan kepada Direksi terkait

will continuously provide recommendation and advise to the

kebijakan strategis yang akan memberikan hasil lebih baik

Board of Directors related with strategic policy to bring better

bagi seluruh pemegang saham dan pemangku kepentingan.

result for the shareholders and stakeholers.


menghadapi

tantangan





Pengembangan Sumber Daya Manusia

Human Resources Development

Salah satu faktor penunjang keberhasilan Bank SULUT datang

One of supporting factor of Bank Sulut’s achievement is derived

dari kualitas Sumber Daya Manusia (SDM) yang tangguh,

from Human Resources (HR) quality which is reliable, excellent

unggul dan berintegritas. Bagi Bank SULUT, karyawan adalah

and holding integrity. For Bank Sulut, employees is a precious

aset yang sangat berharga. Untuk itu, Bank SULUT senantiasa

asset. Therefore, Bank Sulut always develops the employees

memberdayakan karyawan dengan pendidikan dan pelatihan

through training and education program to elevate their

guna meningkatkan kemampuan di berbagai bidang.

capacities in various fields. The effort is promoted that every

Upaya ini diusung agar satu-satunya insan Bank SULUT siap

employee of Bank Sulut will always be ready in overcoming

menghadapi berbagai tantangan di industri perbankan.

every banking industry challenge.

Dalam

manusia,

Regarding human resources development, the Board of

Dewan Komisaris menilai bahwa Direksi telah melakukan

Commissioners values that the Board of Directors has carried

implementasi program dengan baik. Seluruh rangkaian upaya

program implementation adequately. Every part of HR

pengembangan SDM tersebut sejalan dengan target dan

development initiative has been implemented in line with the

rencana bisnis bank.

bank’s target and business plan.


Corporate Social Responsibility

Penerapan Corporate Social Responsibility/CSR di Bank SULUT

Implementation of Corporate Social Responsibility (CSR) in

didorong oleh semangat dan kesadaran seluruh insan bank

Bank Sulut is driven by spirit and awareness of every bank’s

untuk memberikan kontribusi nyata kepada pemangku

people to give concrete contribution to every stakeholders as

kepentingan sebagai pihak yang tidak terpisahkan dalam

an integrated part of business development of the Company.

pengembangan usaha Perusahan. Komitmen Bank SULUT

Commitment of Bank Sulut to realize better socio-economy

untuk mewujudkan tatanan kehidupan sosial ekonomi yang

living condition with sustainable benefit is realized in series of

lebih baik dengan manfaat berkelanjutan diwujudkan dalam

activities which are directly engaged and affected the society

rangkaian kegiatan yang secara langsung menyentuh atau

on health, socio-economy and environment sectors.

hal

pengembangan

sumber

daya

berdampak kepada masyarakat dalam bidang kesehatan, sosial ekonomi dan lingkungan. Untuk

yang

To assure the sustainability of CSR activity carried by the

dilaksanakan oleh Perusahaan, Bank SULUT telah menyusun

menjamin

keberlanjutan

kegiatan

CSR

Company, bank Sulut has prepared CSR development plan and

rencana dan strategi pengembangan CSR tahun 2013

strategy which in 2013 determined more effective and specific

yang menetapkan sasaran program secara lebih efektif

program target. In 2013, implementation of CSR activity in Bank

dan spesifik. Di tahun 2013, pelaksanaan kegiatan CSR Bank

Sulut was more comprehensive with budget allocation and

SULUT lebih komprehensif dengan distribusi anggaran dan

program distirbution more evenly covering Sumatera Utara

sebaran program lebih merata di wilayah Sulawesi Utara dan

and Gorontalo area. Four key focus of CSR activity of Bank

Gorontalo. Empat fokus utama kegiatan CSR Bank SULUT

Sulut were aimed on envirnment, community development,

ditujukan pada aspek lingkungan, pemberdayaan masyarakat,

employees and customers aspects.

karyawan dan nasabah.


37





Penerapan Tata Kelola Perusahaan

Corporate Governance Implementation

Tata kelola perusahaan yang baik atau Good Corporate

Good Corporate Governance (GCG) is an important aspect on

Governance (GCG) merupakan unsur penting dalam industri

banking industry. This is mainly due to risk and challenge faced

perbankan. Hal ini terutama karena risiko dan tantangan yang

by banking industry is higher through the years. Therefore,

dihadapi oleh industri perbankan semakin meningkat dari

the Board of Commissioners always recommends the Board

tahun ke tahun. Oleh karena itu, Dewan Komisaris senantiasa

of Directors to consistently apply GCG to bolster competitive

memberi arahan kepada Direksi untuk menerapkan GCG

advantages of the Company, optimize corproate value, manage

secara konsisten agar dapat memperkuat posisi daya saing

resource and risk in more efficient and effective manners which

perusahaan, memaksimalkan nilai perusahaan, mengelola

will later drive trust from the shareholders and stakeholders.

sumberdaya dan risiko secara lebih efisien dan efektif, yang pada akhirnya akan memperkokoh kepercayaan pemegang saham dan pemangku kepentingan. Kepercayaan inilah yang menjadi modal Bank SULUT untuk

The trust becomes potential of Bank Sulut to carry sustainable

beroperasi dan tumbuh secara berkelanjutan dalam jangka

growth and operation in long-term period. Bank Sulut is

panjang. Bank SULUT berkomitmen penuh melaksanakan

committed to implement GCG in every level and organization

GCG di seluruh tingkatan dan jenjang organisasi dengan

unit by referring to several regulation and requirement which

berpedoman pada berbagai ketentuan dan persyaratan

are related with GCG practice. To optimize GCG implementation,

terkait dengan pelaksanaan GCG. Untuk mengoptimalkan

Bank Sulut annually carries enforcement of infrastructure,

penerapan GCG, setiap tahunnya Bank SULUT melakukan

internal restructuration which lead to best practice, alignment

penguatan

and revision of system and procedure required to support

mengarah

infrastruktur, kepada

restrukturisasi

praktik

terbaik,

internal

penyesuaian

yang dan

effective GCG implementation.

pembaruan sistem dan prosedur yang diperlukan untuk mendukung pelaksanaan GCG yang efektif.

Pandangan atas Prospek Usaha

Business Prospects Outlook

Memasuki tahun 2014, perekonomian dunia masih diwarnai

Entering 2014, global economy will be still shadowed by

ketidakpastian. Seiring penyelenggaraan pemilihan umum

uncertainty. In accordance wtih general election in Indonesia,

di Indonesia, tingkat investasi diperkirakan akan melambat

investment rate is estimated to decrease while loan growth will

sedangkan pertumbuhan kredit juga akan menurun seiring

also decline due to high interest rate. Concerning respective

masih tingginya tingkat suku bunga. Membaca situasi

condition, the Board of Commissioners always prompts the

tersebut, Dewan Komisaris senantiasa mengingatkan Direksi

Board of Directors to remain prudent while seeking opportunity

untuk tetap berhati-hati seraya terus mencari peluang untuk

to improve performance of the Bank.

meningkatkan kinerja bank.

38

Berdasarkan data Bank Indonesia, Seiring dengan peningkatan

Thus, the Board of Commissioners is optimistic that Bank Sulut’s

aktivitas kegiatan ekonomi, pembiayaan perbankan kepada

performance optimization will be higher in 2014 in accordance

sektor-sektor utama di daerah Timur Indonesia yang

with recovery of United States and Japan economy, as well as

meningkat. Seperti Pembiayaan kredit yang

didominasi

economic recovery trend in European, China and India region,

oleh sektor perdagangan dan sektor pertanian yang masing-

it is expected that in 2014 global economic recovery will be

masing memiliki pangsa pasar yang cukup besar yakni 24,1%

realized which will encourage Indonesian future economy.

dan 10,3%. Sebagian besar pembiayaan kredit ke dua sektor

Moreover, expansion of Bank Sulut with 10 new branch offices,

tersebut disalurkan dalam bentuk kredit modal kerja yang

10 new supporting branch offices and 3 new cash offices is






secara rata-rata berada pada kisaran 33% dari keseluruhan

expected to expand the bank’s service to the society that will

kredit yang disalurkan dan sekitar 29% kredit yang

increase profit realization in years to come.

dimanfaatkan sebagai kredit investasi. Secara keseluruhan, penyaluran pembiayaan perbankan masih tumbuh di atas 20% selama tahun 2013, Sementara itu, alokasi pembiayaan produktif untuk UMKM

On the other hand, productive loan for SME reached 26%

mencapai kisaran 26% dari total pembiayaan dengan tingkat

level from total loan with growth level to 26% (yoy) as end

pertumbuhan mencapai di atas 26% (yoy) pada akhir tahun

of 2013. Most of the SME program was disbursed to trading

2013. Sebagian besar kredit UMKM disalurkan kepada sektor

sector with composition of more thn 60% since mid of 2013.

perdagangan dengan porsi di atas 60% sejak pertengahan

An effort to encourage banking lending access to SME is

tahun 2013. Upaya untuk mendorong akses pembiayaan

continuously carried by Bank Indonesia in cooperation with

perbankan kepada UMKM terus ditempuh oleh Bank

Local Government, namely by providing technical assistance

Indonesia bersama-sama dengan Pemerintah Daerah, antara

and cluster development.

lain melalui pemberian bantuan teknis dan pengembangan klaster. Upaya Bank Indonesia ini merupakan kesempatan dalam

Bank Indonesia's effort is an opportunity to increase funding

meningkatkan produktivitas pendanaan Bank SULUT kepada

productivity of Bank Sulut to SME and other sectors in 2014.

UMKM dan sektor bisnis lainnya di tahun 2014.

Perubahan Susunan Dewan Komisaris

Changing Composition of Board of Commissioners

Pada Rapat Umum Pemegang Saham Tahunan tanggal 24

In Annual General Meetings of Shareholders on June 24th,

Juni 2013 telah diputuskan perubahan komposisi Dewan

2013, changes of Board of Commissioners had been decided.

Komisaris. Pada kesempatan ini kami mengucapkan selamat

In this opportunity, we would congratulate the appointment

atas pengangkatan Bapak Alexius Lembong sebagai

of Alexius Lembong as Commisisoner. We would also deliver

Komisaris. Kami juga menyampaikan penghargaan kepada

appreciation to Jefferson Richard Lungkang for precious

Bapak Jefferson Richard Lungkang atas kontribusinya yang

contribution during his serving period as Commissioner. The

berharga selama menjabat sebagai Komisaris. Sehingga

Board of Commissioners and Board of Directors composition as

susunan Dewan Komisaris dan Direksi pada tanggal 31

of December 31st, 2013 are as follows:

Desember 2013 adalah sebagai berikut: Komisaris Utama

:

Robby Jimmy Mamuaja

President Commissioner : Robby Jimmy Mamuaja

Komisaris

:

Effendi Manoppo

Commissioner

: Effendy Manoppo

Komisaris

:

Mustamir Bakri

Commissioner

: Mustamir Bakrie

Komisaris

:

Alexius Lembong

Commissioner

: Alexius Lembong


39




Apresiasi

Appreciation

Atas nama Dewan Komisaris, kami menyampaikan apresiasi

On behalf of the Board of Commissiones, we would like to

kepada Direksi, Manajemen dan seluruh karyawan atas

express appreacition to the Board of Directors, Management

pencapaian kinerja yang sangat baik sepanjang tahun 2013.

and all employees for excellent achievement in 2013. May

Semoga semangat, dedikasi, dan kerjasama tim yang sangat

every spirit, dedication and harmonious team work will be

baik sepanjang tahun ini dapat terus ditingkatkan untuk

continuously improved to overcome challenge in 2014. We

mengatasi tantangan pada tahun 2014. Tidak lupa kami juga

weould also express gratitude to all stakeholders and customers

berterimakasih kepada seluruh pemangku kepentingan dan

of Bank Sulut for every support and trust given through this

nasabah Bank SULUT atas dukungan dan kepercayaan yang

years.

telah diberikan selama ini.

Manado, April 2014,

Robby Jimmy Mamuaja Komisaris Utama President Commissioner

40







Profil Dewan Komisaris Board of Commissioners Profile

1

2

3

4

5

1

Robby J Mamuaja Komisaris Utama President Commissioner

2

Mustamir Bakri Komisaris Commissioner

3

Effendi Manoppo Komisaris Commissioner

4

Alexius Lembong Komisaris Commissioner

5

JEFFERSON R. LUNGKANG Komisaris Commissioner


41






Profile from the Board of Commissioners

Robby J Mamuaja Komisaris Utama President Commissioner Warga Negara Indonesia, Lahir di Tataaran tangal 01 Juni 1951.

Indonesian citizen, Born in Tataran on June 1st, 1951. FInished

Pendidikan terakhir Lulusan Fakultas Ilmu Sosial dan Ilmu Politik

(his/her) study at Faculty of Social and Political Science,

Universitas Sam Ratulangi Manado. Riwayat pekerjaan pernah

Universitas Sam Ratulangi Manado. (He/She) was served

menjabat sebagai Kepala Badan Pengawas Provinsi Sulawesi

as Chairman of North Sulawesi Province Supervisory Board

Utara, dan menjabat sebagai Sekretaris Pemerintahan Provinsi

and appointed as Secretary of North Sulawesi Provincial

Sulawesi Utara. Diangkat sebagai Komisaris Utama PT Bank

Government. He was appointed as President Commissioner

SULUT sejak Oktober 2007, hasil RUPS Februari 2012 Jabatan

of PT Bank SULUT since 2007, pursuant to GMS Decision in

Beliau diperpanjang untuk periode Jabatan ke -2 menjadi

February 2012, her tenure of office is extended to second term

Komisaris Bank SULUT.

as Commissioner of Bank SULUT.

Mustamir Bakri Komisaris Commissioner Kelahiran Bukit Tinggi, 16 Agustus 1944. Mendapatkan gelar

Born in Bukit Tinggo at August 16th He obtained his Bachelor

Sarjana Ekonomi dari Universitas Andalas Padang Sumatera

Degree of Fishery from Faculty of Economy at Universitas

Barat. Memulai karir Perbankan di Bank Indonesia pada tahun

Andalas, Padang 1969, He started his Banker career at Bank

1974. Pernah menjabat sebagai Deputi Direktur Unit Khusus

Indonesia on 1974. Served as Deputy Director Task Force for

Investigasi Perbankan Bank Indonesia, kemudian menjadi staff

Special Investigation Bank Indonesia, then as a expert staff on

ahli pada Badan Penyehatan Perbankan, saat ini juga menjabat

Bank Restructuring Agency, currently also serves as a Member

sebagai Anggota Komite Audit PT Bank Mega Tbk, di angkat

of the Audit Committee of PT Bank Mega Tbk, was appointed as

menjadi Komisaris Bank SULUT pada tahun 2012.

Commissioner of Bank SULUT in 2012.

Effendi Manoppo Komisaris Commissioner Kelahiran Kotamabagu, 24 Agustus 1957. Memulai karirnya di

Born in Kotamabagu on August 24th, 1957. He started his

PT Bank SULUT pada tahun 1990. Pernah menjabat sebagai

career in PT Bank SULUT in 1990. He was appointed as Head of

Kepala Seksi Pemasaran bank Sulut Cab. Limboto, Kepala

Marketing section at Bank SULUT Limboto Branch Office, Head

seksi pemasaran Bank SULUT Cab. Gorontalo, Kepala seksi

of Marketing section at Bank SULUT Gorontalo Branch Office,

pemasaran Bank SULUT Cab. Gorontalo, Kepala seksi Kredit

Head of Credit Business section at Marketing Bureau, Head of

Usaha pada Biro Pemasaran, Kepala Bagian Kredit Umum,

General Credit Group, Head of PT Bank SULUT Kotamobagu

Pemimpin PT Bank SULUT Cab. Kotamobagu. Diberbantukan

Branch Office, assigned at Credit Division, Senior Analyst,

pada Divisi Kredit, Senior Analis Kelompok Perencanaan pada

Planning Group, Planning Division, Senior Legal Officer, Legal

Divisi Perencanaan, Senior Legal Officer, Kelompok Kebijakan

and Policy Group at MRK Division, Head of Loan Settlement

& Hukum pada Divisi MRK, Pimkel Penyelesaian Kredit pada

Team at Credit Division. Before, was also appointed as Head of

Divisi Kredit, Pimkel Penyelesaian Kredit Divisi Kredit. Sebelum

MRK Division, he was also appointed as Head Legal Policy Team

menjabat sebagai Pemimpin Divisi MRK, beliau dipercaya

at MRK Division. Currently, he serves as Commissioner.

sebagai Pimkel Kebijakan Hukum Divisi MRK. Dan Saat ini beliau menjabat sebagai Komisaris.

42







Profile from the Board of Commissioners

Alexius Lembong Komisaris Commissioner Alexius Lembong lahir pada tanggal 24 September 1951 di

Alexius Lembong born on September 24th, 1951 in Sonder. He

Sonder. Ia lulus sebagai Sarjana Ekonomi di Universitas Sam

was graduated as Bachelor Degree of Economy from Universitas

Ratulangi Manado dan meraih Gelar Megister Manajemen

Sam Ratulangi Manado and obtained Master of Management

di Universitas yang sama. Diawal karirnya pada tahun 1980,

from same University. During his initial career in 1980, he was

Ia pernah menjabat sebagai Staff Pada Bagian Kredit di BPD

appointed as Staff of Credit Division in BPD Sulawesi Utara (PD).

Sulawesi Utara (PD). Kemudian menjabat sebagai Staff Pada

And later served as Staff of Planning Bureau in 1980 and Head

Biro Perencanaan pada tahun 1980 dan Kepala Bagian Kredit

of Investment Loan in 1981 at Bank Sulawesi Utara (Sulut), as

Investasi pada tahun 1981 di Bank Sulawesi Utara (Sulut),

P3K Counterpart in Bank Indonesia Manado in 1983, Head of

sebagai Counterpart P3K di Bank Indonesia Manado pada

Cash/Fund Management Division in BPD Sulawesi Utara (PD), as

tahun 1983, sebagai Kepala Bagian Kas/Pengelolaan Dana di

Head of General Loan Division in BPD Sulawesi Utara (PD), as an

BPD Sulawesi Utara (PD), sebagai Kepala Bagian Kredit Umum

Supervisor Officer of Investment Loan Bureau in BPD Sulawesi

di BPD Sulawesi Utara (PD), sebagai Wira Pembahas Biro Kredit

Utara (PD), as Act. of Head of Finance and Accounting Division

Investasi di BPD Sulawesi Utara (PD), sebagai Pj. Kepala Biro

in BPD Sulawesi Utara (PD), Head of Finance and Accounting

Keuangan dan Akuntasi di BPD Sulawesi Utara (PD), sebagai

Division in BPD Sulawesi Utara (PD), Head of Gorontalo Branch

Kepala Biro Keuangan dan Akuntasi di BPD Sulawesi Utara (PD),

Office in BPD Sulawesi Utara (PD), Head of Tondano Branch

sebagai Pemimpin Cabang Gorontalo di BPD Sulawesi Utara

Office in BPD Sulawesi Utara (PD), General Affairs Director in

(PD), sebagai Pemimpin Cabang Tondano di BPD Sulawesi

BPD Sulawesi Utara (PD). Afterwards, sever as Act. President

Utara (PD), sebagai Direktur Umum di BPD Sulawesi Utara (PD).

Director and General Affairs Director ini BPD Sulawesi Utara (PT),

Selanjutnya menjabat sebagai Pjs Direktur Utama di samping

General Affairs Director in BPD Sulawesi Utara (PT), Compliance

sebagai Direktur Umum di BPD Sulawesi Utara (PT), sebagai

Director and General Affairs Director in BPD Sulawesi Utara (PT),

Direktur Umum di BPD Sulawesi Utara (PT), sebagai Direktur

Act. President Director inBPD Sulawesi Utara (PT), President

Kepatuhan di samping Direktur Umum di BPD Sulawesi Utara

Director in BPD Sulawesi Utara (PT), President Commissioner

(PT), sebagai Pjs. Direktur Utama di BPD Sulawesi Utara (PT),

inBPR Primaesa Sejahtera, until in 2013 was appointed as

sebagai Direktur Utama di BPD Sulawesi Utara (PT), sebagai

Commissioner in PT Bank SULUT.

Komisaris Utama di BPR Primaesa Sejahtera, pada tahun 2013 diangkat sebagai Komisaris di PT Bank SULUT.

Jefferson R. Lungkang Komisaris Commissioner Warga Negara Indonesia, Lahir di Ternate 02 Juni 1963.

Indonesian citizen, born in Ternate on June 2nd, 1963.

Lulusan Sarjana Muda Ekonomi tahun 1986 dan Sarjana

Awarded BA Degree of Economy in 1986 and Bachelor Degree

Ekonomi Universitas Samratulangi pada tahun 1991 serta

of Economy from Universitas Samratulangi in1991 and Master

mendapatkan Gelar Magister Manajemen di Universitas yang

Degree of Management from the same university. Started his

sama. Mengawali karir di Bank SULUT sejak April 1984 dan

career in Bank SULUT since April 1984 and once was appointed

pernah menjabat sebagai Pemimpin Divisi Umum, Pemimpin

as Head of General Division, Head of HR Division an Head of

Divisi SDM dan Pemimpin Divisi Perencanaan, Pemimpin Divisi

Planning Division, Head of MRK Division and Compliance

MRK dan Direktur Kepatuhan sampai dengan September

Director since September 2012. And later in September 2012

2012. Selanjutnya pada September 2012 menjadi Komisaris

was appointed as Commissioner of Bank SULUT.

Bank SULUT.


43





Laporan Direksi

Report from the Board of Directors

" Kami bersyukur atas pencapaian kinerja Bank SULUT yang sangat memuaskan. Hal ini tercermin dari pertumbuhan laba komprehensif tahun berjalan sebesar 30,35%." We are grateful for satisfying performance achievement of Bank Sulut as reflected from Comprehensive income for the year growth by 30.35%.

Johanis Ch. Salibana Direktur Utama President Director

44






Lingkungan operasional yang kondusif, juga turut mendukung pelaksanaan strategi yang mendorong pencapaian kinerja yang memuaskan bagi Bank SULUT. Di sisi lain, aset bank tumbuh 19,19% menjadi Rp7,80 triliun pada tahun 2013. Operational circumstances were also remained conducive, in encouraging implementation of a strategy to achieve satisfying performance for the bank. On the other hand, assets of the bank grew by 10.19% to Rp7.80 trillion in 2013.

Pemegang Saham yang Terhormat,

Dear Respected Shareholders,

Terjaganya pertumbuhan ekonomi rata-rata sebesar 6,0%

Sustained economic growth by 6.0% during the last five

sepanjang lima tahun terakhir, ternyata memberikan

years, provided negative impact on inflation rate and

dampak negatif terhadap kenaikan laju inflasi dan defisit

current transaction deficit. To recover certain condition,

transaksi berjalan. Untuk memperbaiki situasi tersebut, Bank

Bank Indonesia in cooperation wih the Government issued

Indonesia bersama dengan Pemerintah mengeluarkan

monetary and fiscal policies which are relatively tight in 2nd

kebijakan moneter dan fiskal yang cenderung ketat di

semester of 2013. The policy was also to anticipate tapering

semester kedua tahun 2013. Kebijakan ini juga dalam

off posibility preformed by Central Bank of United States, The

rangka mengantisipasi kemungkinan tapering off oleh bank

Federal Reserve Bank.

sentral Amerika Serikat, The Federal Reserve Bank. Untuk menekan laju inflasi, Bank Indonesia menaikkan

To suppress the inflation rate, Bank Indonesia reaised base

tingkat suku bunga acuan BI Rate sebesar 175 bps secara

interest rate of BI Rate of 175 bps gradually since June 2013

bertahap sejak bulan Juni 2013 hingga mencapai level

to level of 7.50%. BI also elevated term-foreign exchane time

7,50%. BI juga memperluas tenor term-depositvalas

deposit tenor and to release derivative regulation mainly

dan merelaksasi ketentuan derivatif khususnya SWAP

SWAP to maintain liquidity. Moreover, Bank Indonesia

untuk menjaga likuiditas. Selain itu, Bank Indonesia juga

also tightened growth by increasing Loan to Value (LTV)

melakukan

cara

regulation for mortgage, raising secondary GWM from 2.5%

menaikkan ketentuan Loan to Value (LTV) untuk kredit

to 4.0% and decreasing loan ceiling to Third Party Fund or

perumahan, meningkatkan rasio GWM sekunder dari 2,5%

Loan to Deposit Ratio (LDR) from 100.0% to 92.0%.

pengetatan

pertumbuhan

dengan

menjadi 4,0%, serta menurunkan batas atas rasio Kredit terhadap Dana Pihak Ketiga atau Loan to Deposit Ratio (LDR) dari 100,0% menjadi 92,0%. Bersamaan dengan itu, Pemerintah menerbitkan empat

Simultaneously, the Government issued four policy packages

paket kebijakan yang fokus pada perbaikan transaksi

focusing in improving current transaction and exchange rate,

berjalan dan nilai tukar, menjaga pertumbuhan ekonomi

maintaining economic growth and public buying demand,

dan daya beli masyarakat, menjaga laju inflasi, serta

controlling inflation rate and accelerating investment.


45





Laporan Direksi

Report from the Board of Directors percepatan investasi. Berbagai kebijakan tersebut terbukti

Several policies were proven effeective in resisting inflation rate

ampuh menahan laju inflasi dan pelemahan ekonomi lebih

and further economic deceleration. On banking sector, banking

lanjut. Di sektor perbankan, kredit perbankan diperkirakan

credit was estimated to slow down from 2012 which booked

melambat dibandingkan tahun 2012 lalu yang dapat tumbuh

growth to 23.1% though in 2013 was still realized at level of

hingga 23,1%, walaupun pada tahun 2013 tetap berada di

20.0%.

kisaran di atas level 20,0%. Kinerja Operasional dan Keuangan 2013

Operational and Financial Performance 2013

Di tengah situasi perlambatan ekonomi global, kami bersyukur

Amidst global economic deceleration, we are grateful that

atas pencapaian kinerja Bank SULUT yang sangat memuaskan.

performance achievement of Bank Sulut is satisfying. This is

Hal ini tercermin dari pertumbuhan laba komprehensif

indicated form growth of comprehensive income for the year

tahun berjalan sebesar 30,35%. Pencapaian ini terasa sangat

by 30.35%. This becomes a proud achievement considering

membanggakan mengingat tahun 2013 merupakan tahun

that 2013 was a challenging year where global economy

yang penuh tantangan dimana perlambatan ekonomi global

weakening was also affected domestic macro growth which

turut mempengaruhi tingkat pertumbuhan makro domestik

was decreased to 5.7% from 2012 of 6.2%.

yang melambat hingga 5,7% dibandingkan tahun 2012 sebesar 6,2%. Bank SULUT melihat tantangan krisis di tahun 2013 melahirkan

Bank Sulut viewed crisis challenge in 2013 brought new

peluang baru dalam industri perbankan. Hal ini terbukti

opportunity on banking industry. This was proven with

dengan kenaikan pendapatan bunga sebesar 103,85%,

increase in interest income by 103.85%, supported with

didukung oleh kinerja yang solid baik dari sisi aset maupun

solid performance both from assets and liabilities aspects.

liabilitas. Lingkungan operasional yang kondusif, juga

Operational circumstances were also remained conducive, in

turut mendukung pelaksanaan strategi yang mendorong

encouraging implementation of a strategy to achieve satisfying

pencapaian kinerja yang memuaskan bagi Bank SULUT. Di

performance for the bank. On the other hand, assets of the

sisi lain, aset bank tumbuh 19,19% menjadi Rp7,80 triliun pada

bank grew by 10.19% to Rp7.80 trillion in 2013.

tahun 2013. Kebijakan Strategis

Strategic Policy

Sepanjang 2013, Bank SULUT telah memfokuskan diri pada

Throughout 2013, Bank Sulut was focusing on potential

segmen-segmen potensial yang dapat meningkatkan

segments to increase profit realization of the company namely

perolehan laba perusahaan, seperti segmen business banking

busines abnking and consumer & retail segments. Besides

dan konsumer & retail. Di samping juga mengembangkan

developing effective value chain strategy as well as seeking

strategi value chain yang efektif seraya terus mengupayakan

quality assets growth. Performance of Bank Sulut was proven

pertumbuhan aset yang berkualitas. Kinerja Bank SULUT

able to book positive credit growth in 2013.

tersebut terbukti berhasil mencatatkan pertumbuhan kredit yang positif di tahun 2013.

46

Pengelolaan Sumber Daya Manusia

Human Resources Management

Karyawan adalah nadi operasional perusahaan. Bank SULUT

Employees is a key operational element for the Company. Bank

memahami situasi ini dan berupaya untuk terus meningkatkan

Sulut understands the condition and attempts to continuously

kompetensi karyawan sesuai bidang yang dibutuhkan.

improve employees competency based on required field.

Serangkaian

pelatihan

Series of development and training program were carried

dilakukan sepanjang tahun 2013 guna menunjang kapasitas

throughout 2013 to support capacity of Bank Sulut people in its

setiap insan Bank SULUT dalam kontribusinya terhadap kinerja

contribution of the Company’s perforamnce. As of December

Perusahaan. Hingga 31 Desember 2013, jumlah karyawan

31st, 2013, total employees of Bank Sulut reached to 1,339

program


pengembangan

dan





Bank SULUT tercatat berjumlah 1.339 orang. Jumlah tersebut

employees. The number increased from total employees in

mengalami peningkatan dibandingkan jumlah karyawan

2012 which was 1,124 employees.

tahun 2012 yaitu 1.119 orang. Praktik Tata Kelola Perusahaan

Good Corporate Governance Practice

Perkembangan industri perbankan yang sangat pesat

Rapid growth of banking industry and business activity

dibarengi dengan kompleksitas kegiatan usaha bank

complexit of the bank encoruaged increase in bank’s risk

mengakibatkan terjadinya peningkatan eksposur risiko

exposure. In respective condition, Bank Sulut is always

bank. Dalam kondisi seperti ini, Bank SULUT terus berupaya

committed to improve Good Corporate Governance (GCG)

memperbaiki praktik Good Corporate Governance (GCG), yang

product, which in its implementation is aimed to improve

dalam pelaksanaannya bertujuan untuk meningkatkan kinerja

performance of the Bank, preserve the stakeholders and

Bank, melindungi pemangku kepentingan dan meningkatkan

increase compliance to generally prevailed regulationa nd

kepatuhan terhadap peraturan dan perundang-undangan

ethical values of banking industry.

serta nilai-nilai etika yang berlaku secara umum pada industri perbankan. Pada hakikatnya, penerapan GCG pada industri perbankan

Principally, GCG implementation in banking industry will always

akan selalu dinamis dan semakin kompleks dari tahun

be dynamic and more complex within years. Therefore, GCG

ke tahun. Karena itu pelaksanaan GCG di Bank SULUT

implementation in Bank Sulut always refers to 5 (fove) core

senantiasa berlandaskan pada 5 (lima) prinsip dasar sebagai

principles namely transaprency, accountability, responsibility,

berikut: transparansi, akuntabilitas, pertanggungjawaban,

independency and fairness.

independensi dan kewajaran. penerapan

To support and optimize respective GCG principles

berupaya

implementation, Bank Sulut seeks to implement the principles

mengimplementasikan pelaksanaannya secara menyeluruh

comprehensively and continuously in every operational

dan berkesinam-bungan dalam setiap aktivitas usaha

business activity by all level or organization refers to entire

operasional oleh seluruh tingkatan atau jenjang organisasi

management and employees of the Bank starting from Board

yakni seluruh pengurus dan karyawan Bank mulai dari Dewan

of Commissioners, Board of Directors to lowest level employees.

Guna

mendukung

prinsip-prinsip

GCG

dan di

mengoptimalkan atas,

Bank

SULUT

Komisaris, Direksi sampai kepada pegawai tingkatan paling bawah. Pada tahun 2013, penerapan GCG di Bank SULUT terbukti

In 2013, GCG implementation in Bank Sulut was proven better

semakin membaik dibandingkan tahun-tahun sebelumnya.

from previous year. This was due to assessment of Bank Sulut’s

Hal ini dikarenakan, pengukuran tingkat kepatuhan Bank

compliance level in implementing GCG using check-list (self-

SULUT dalam menerapkan GCG, menggunakan check list (self

assessment) where the assessment result was issued in form of

assessment) dimana hasil penilaian dikeluarkan dalam bentuk

composite score.

nilai komposit. Komitmen terhadap Tanggung Jawab Sosial Perusahaan

Commitment towards Corporate Social Responsibility

Tidak hanya fokus pada peningkatan portofolio bisnis, Bank

Not only focusing in increasing business portfolio, Bank Sulut

SULUT juga senantiasa memegang teguh komitmennya

will be also committed to four pillars of corporate social

terhadap empat pilar tanggung jawab sosial Perusahaan yaitu

responsibility such as environmental preservation, human

terhadap kelestarian lingkungan, pengembangan sumber daya

resources development, employees and customers.

manusia, karyawan maupun nasabah. Pada tahun 2013, Bank SULUT telah menyalurkan dana bagi kegiatan CSR dalam usaha pengembangan masyarakat

In 2013, Bank Sulut has disbursed CSR activity budget on community development initiative amounted o Rp6.97 billion


47





sebesar Rp6,96 miliar dan dalam usaha pelestarian dan perlindungan alam sebesar Rp864.843.321 juta.

and on environment preservation initiative amounted to

Prospek Tahun 2014

Prospect of 2014

Merayakan eksistensi pelayanan yang telah dimulai sejak

Celebrating service existence since 1961, Bank Sulut is

tahun 1961, Bank SULUT optimis dapat melewati tahun 2014

confident will pass 2014 with better perforamnce. Though

dengan kinerja yang lebih baik. Walaupun berbagai tantangan

several challenges are estimated to sustain in 2014 namely

diperkirakan masih akan berlanjut di tahun 2014, seperti tingkat

high interest rate, tightening banking growth regulation, global

suku bunga yang tinggi, regulasi pengetatan pertumbuhan

economy uncertainty and the General Election. Thus, supported

perbankan, ketidakpastian ekonomi global, hingga pelaksanaan

by enormous commitment to deliver best contribution for

pemilihan umum. Namun, didukung oleh komitmen tinggi

society of Sulawesi Utara and Gorontalo Provinces, Bank Sulut

untuk terus memberikan kontribusi terbaik bagi masyarakat

continuously prepares itself to be ready in overcoming those

Provinsi Sulawesi Utara dan Gorontalo, Bank SULUT senantiasa

challenges and capturing every potential opportunities.

Rp864,843,321 million.

membekali diri agar siap menghadapi tantangan tersebut dan meraih berbagai peluang yang ada. Ditunjang sumber daya manusia yang andal, kebijakan strategis

Supported by reliable human resources, accurate strategy and

yang jitu serta kepatuhan terhadap peraturan perundangan

compliance to prevailing regulation, we believe that Bank Sulut

yang berlaku, kami yakin Bank SULUT dapat tetap fokus pada

will remain focus on growth at potential segments and sectors

pertumbuhan di segmen-segmen dan sektor-sektor yang kami

and will book excellent performance n 2014 that will increase

anggap potensial dan tetap mencatatkan kinerja yang baik di

added value to the stakeholders of Bank Sulut.

2014 sehingga dapat terus meningkatkan nilai tambah bagi para pemangku kepentingan Bank SULUT. Perubahan Susunan Direksi

Changes in Board of Directors Composition

Pada tahun 2013, tidak terjadi perubahan susunan Direksi di

In 2013, there was no chane in the composition of Board of

manajemen Bank SULUT.

Directors of Bank Sulut.

Penutup

Appreciation

Kami mengucapkan terima kasih kepada segenap karyawan

We would like to address appreciation to all employees of Bank

Bank SULUT atas segala upaya dan kerja kerasnya di tahun

Sulut for every effort and hard work in 2013. We would also

2013. Kami juga menyampaikan penghargaan yang setinggi-

express highest appreciation to the customers and business

tingginya kepada para nasabah dan mitra kerja yang terus

partners who boundlessly support performance growth of

mendukung pertumbuhan kinerja Bank SULUT. Ucapan terima

Bank Sulut. Appreciation would be also addressed to the Board

kasih juga kami sampaikan kepada Dewan Komisaris dan para

of Commissioners and shareholders for every support and

pemegang saham untuk segala dukungan dan arahannya

advise throughout 2013.

sepanjang tahun 2013. Manado, April 2014,

Johanis Christianus Salibana Direktur Utama President Director

48






Profile Direksi


1

2

3

4

5

1


2

JeffrY Salilo Direktur Kepatuhan Compliance Director

3

Novi VB. Kaligis Direktur Pemasaran Marketing Director

4

Felming Harun Direktur Umum General Director

5

Judy Koagow Direktur Operasional Operasional Director


49





Profile Direksi


Johanis Ch. Salibana Direktur Utama President Director Lahir di Manado pada tanggal 6 Januari 1963. Ia memulai

Born in Manado on January 6th, 1963. He started his career in

karirnya di BPD Sulut sebagai Pelaksana pada Biro Penelitian

BPD Sulut as Officer at Training and Development Bureau, Head

dan Perencanaan, Kepala Perencanaan dan Promosi di Biro

of Planning and Promotion at Research and Planning Bureau,

Penelitian dan Perencanaan, Senior Account Officer bagian

Senior Account Officer at Credit Group, Head of Credit Group

Kredit, Kepala Bagian Kredit pada Divisi Pemasaran Komersial,

at Commercial Marketing Division, Head of BPD Sulut Tahuna

Pemimpin Cabang Bank BPD Sulut Tahuna, Kepala Cabang

Branch Office, Head of Kotamobagu Branch Office, Head

Kotamobagu, Pemimpin Divisi Kredit, Pemimpin Divisi

of Credit Division, Head of Business Development Division,

Pengembangan Bisnis dan kemudian diangkat menjadi

and later appointed as President Director of Bank SULUT

Direktur Utama Bank SULUT sejak Februari 2012 berdasarkan

since February 2012. He was awarded Bachelor Degree of

keputusan RUPS tanggal 10 Februari 2012. Mendapatkan gelar

Management from Universitas Sam Ratulangi Manado.

Sarjana Ekonomi dan Magister Manajemen dari Universitas Sam Ratulangi Manado.

Jeffry Salilo Direktur Kepatuhan Compliance Director

Lahir di Manado pada tanggal 11 Februari, 1967, ia memulai

Born in Manado on February 11th, 1967, he started his career

karirnya di Bank SULUT sebagai Biro Administrasi Keuangan,

in Bank SULUT as Finance Administration Bureau, Supervisory

Biro Pengawasan, Kepala Seksi Kredit Cabang Tahuna, Kepala

Bureau, Head of Credit Section at Tahuna Branch Office, Head

Bagian Biro Perencanaan dan Pengembangan, Staff ALMA pada

of Planning and Development Bureau, ALMA Staff at Treasury

Biro Trisuri, Kepala bagian Perencanaan dan Penelitian dan

Bureau, Head of Planning and Research and Development

pengembangan. Staf khusus Direktur Utama, pemimpin Divisi

Group. Special Staff or President Director, Head of Human

Sumber Daya Manusia. Sejak September 2012 diangkat sebagai

Resources Division. Since September 2012 was appointed as

Direktur Kepatuhan berdasarkan keputusan RUPS tanggal

Compliance Director. He was awarded Bachelor Degree of

10 Februari 2012.Mendapatkan gelar Sarjana Ekonomi dan

Economy and Master Degree of Management from Universitas

Magister Manajemen dari Universitas Sam Ratulangi Manado.

Sam Ratulangi Manado.

Novi VB. Kaligis Direktur Pemasaran Marketing Director

Lahir di Manado, 20 November 1968. Ia memulai karirnya di PT

Born in Manado on November 20th, 1968. He started his career

Bank SULUT sebagai pelaksana dalam Biro Perencanaan dan

in PT Bank SULUT as officer at Planning and Research Bureau,

Pengembangan, dan pernah menjadi pemimpin Bank SULUT

and once appointed as Head of Bank SULUT Kawangkoan

di Cabang Kawangkoan, Pemimpin Cabang Bitung, Ketua grup

Branch Office, Head of Bitung Branch Office, Head of ALMA

ALMA dan sebagai Pemimpin kelompok Dealing Room di Divisi

Group and head of Dealing Room at Treasury Division, Head

Trisuri, Pemimpin Divisi Trisuri dan sejak Februari 2012 diangkat

of Treasury Division and since February 2012 was appointed

menjadi Direktur Pemasaran berdasarkan keputusan RUPS

as Marketing Director. He was awarded Bachelor Degree of

tanggal 10 Februari 2012. Mendapatkan gelar Sarjana Ekonomi

Economy and Master Degree of Management from Universitas

dan Magister Manajemen dari Universitas Sam Ratulangi

Sam Ratulangi Manado.

Manado.

50






Profile Direksi


Felming Harun Direktur Umum General Director Lahir Gorontalo tanggal 14 Agustus 1956. Ia memulai karirnya di

Born in Gorontalo on August 14th, 1956. He started his career in

Bank SULUT sebagai staf pada Divisi Kredit Cabang Gorontalo,

Bank SULUT as Staff at Credit Division in Gorontalo Branch Office,

Analis Kredit Komersial Kantor Pusat, Wakil Pemimpin Cabang

Commercial Loan Analyst at Head Office, Deputy of Head of

Gorontalo, Pemimpin Cabang Limboto, Pemimpin Cabang

Gorontalo Branch Office, Head of Limboto Branch Office, Head

Gorontalo, Pemimpin Divisi Trisuri, Pemimpin Divisi Internal

of Gorontalo Branch Office, Head of Treasury Division, Head of

Audit, Pemimpin Divisi Pengendalian Keuangan dan Teknologi.

Finance and Technology Controlling Division, Head of Treasury

Pemimpin Divisi Trisuri. Pemimpin SKAI Sejak Februari 2012

Division, Head of Internal Audit Unit and since February 2012

diangkat menjadi Direktur Umum hingga saat ini berdasarkan

was appointed as General Affairs Director to the present. He

keputusan RUPS tanggal 10 Februari 2012. Mendapatkan gelar

was awarded Bachelor Degree of Economy and Master Degree

Sarjana Ekonomi dan Magister Manajemen dari Universitas Sam

of Management from Universitas Sam Ratulangi Manado.

Ratulangi Manado.

Judy Koagow Direktur Operasional Operasional Director

Dilahirkan di Kotamobagu pada 22 November 1969, Judy

Born in Kotamobagu on November 22nd, 1969, Judy Koagow

Koagow memulai karirnya di Bank Danamon sebagai Marketing

started his career in Bank Danamon as Marketing Trainee in

Trainee pada tahun 1995 dengan beberapa jabatan penting

1995 with several key positions such as Sub Branch Manager

yang pernah diduduki antara lain sebagai Sub Branch Manager

Bank Danamon Isimu in 1997 – 1999, Branch Manager Bank

Bank Danamon Isimu tahun 1997 – 1999, Branch Manager Bank

Danamon Cabang Bitung (Executive Officer) in 2002 – 2003

Danamon Cabang Bitung (Pejabat Eksekutif) tahun 2002 – 2003

and later continued his career in Bank Mega as Branch Manager

hingga akhirnya melanjutkan karir di Bank Mega sebagai Branch

Manado (with latest position as Assistant Vice President) in

Manager Manado (dengan pangkat terakhir: Assisten Vice

2012. Awarded Bachelor degree of Fisheries from Faculty of

President) tahun 2012. Memperoleh gelar Sarjana Perikanan

Fisheries/Fisheries Resource Management in Universitas Sam

dari Fakultas Perikanan/Manajemen Sumberdaya Perairan di

Ratulangi Manado. Appointed as Operational Director since

Universitas Sam Ratulangi Manado. Diangkat menjadi Direktur

September 2012 pursuant to GMS Decision dated February

Operasional sejak September 2012 berdasarkan keputusan

10th, 2012.

RUPS tanggal 10 Februari 2012.


51






Pemimpin Group Head Pemasaran Head of Marketing Group

Lahir di Makassar pada 02 Desember 1959. Memiliki gelar Sarjana Ekonomi. Mengawali karier di Bank SULUT sejak 1983 dan telah menduduki beberapa Jabatan seperti Pemimpin Kelompok Audit 1 pada Divisi SKAI, Pemimpin Kelompok Perencanaan pada Divisi Perencanaan, Pemimpin Divisi PBC, Pemimpin Divisi Umum, dan selanjutnya diangkat menjadi Group head bidang Pemasaran Pada tahun 2012 hingga sekarang.

Robbynson.H. Rorong

Born in Makassar on December 2nd, 1959. Awarded Bachelor Degree of Economy. Started his career in Bank SULUT since 1983 and served in some positions namyi Head of Audit 1 Group at IAU Division, Head of Planning Group at Planning Division, (act) Head of PBC Division, (act) Head of General Affairs Division and was later appointed as Head of Marketing Group in 2012 to present.

Pemimpin Group Head Operasional Head of Operational Group

Lahir di Tompaso Baru pada 03 Oktober 1964. Dengan Pendidikan Formal Sarjana Ekonomi Manajemen. Mengwali karier di Bank SULUT sejak 1987 dan telah menduduki beberapa Jabatan seperti Pemimpin Kelompok IT Divisi PKT (2004), Pemimpin Cabang Tondano (2006), Pemimpin Cabang Utama (2009), Pemimpin Divisi TI (2009), Pemimpin Divisi TI (2011), dan selanjutnya diangkat menjadi Group Head Bidang Operasional pada tahun 2012 hingga sekarang.

Verry V. Masengi, SE

Born in Tompaso Baru on October 3rd, 1964. Awarded Bachelor Degree of Management Economys tudies. Started his carrer in Bank SULUT since 1987 and server in some psoitions, namely Head of IT Group at PKT Division (2004), Head of Tondano Branch Office (2006), Head of Primary Branch Office (2009), (act) Head of IT Division (2009), Head of IT Division (2011), and was later appointed as Head of Operational group in 2012 to present.

52







Pemimpin Divisi Akuntansi dan Laporan Head of Accounting and Reporting Division

Lahir di Sonder pada 03 Agustus 1963. Mengawali karir di Bank SULUT sejak tahun 1986 dan menduduki beberapa jabatan seperti Pemimpin Cabang Calaca, Pemimpin Kelompok pada Divisi PBC, Pemimpin Cabang Utama, Pemimpin Divisi AKL, Staf Direksi Bidang Operasional dan Pimpinan Divisi Akuntansi dan Laporan pada 03 September 2012 hingga 2013. Memperoleh gelar Sarjana Ekonomi dan Magister Manajemen di Universitas Sam Ratulangi Manado.

Herry Oroh

Born in Sonder on August 3rd, 1963. Started his career in Bank SULUT since 1986 and served in some positions, namely Head of Calaka Branch Office, Group Head at PBC Division, Head of Primary Branch Office, Head of AKL Division, Board of Directors Staff of Operational Group and Head of Accounting and Reporting Division since September 3rd, 2012 to the present. Awarded Bachelor Degree of Economy and Master Degree of Mangement from Universitas Sam Ratulangi Manado.

Lahir di Manado pada 20 Januari 1963. Pendidikan Formal

Pemimpin SKAI Head of IAU

Sarjana Pertanian. Mengawali Karier pada Bank SULUT sejak tahun 1994 dan telah menduduki beberapa jabatan seperti Pj. Pemimpin kelompok Compliance dan unit Khusus Pemantauan Nasabah pada Divisi Manajemen Resiko, Pimpinan Kelompok Compliance dan U.K.P.N Divisi MRK, Pemimpin Cabang Tahuna, Pemimpin Kelompok Audit 2 Unit SKAI, dan selanjutnya di angkat menjadi Pemimpin Unit SKAI pada Tahun 2012 hingga sekarang.

Silvanus T.R. Senduk

Born in Manado on January 20th, 1963. Awarded Bachelor Degree of Agriculture. He started his career in Bank SULUT since 1994 and served in some positions, namely (act) Head of Compliance and Customers Supervision Special Unit at Risk Management Division, Head of Compliance and UKPN Group at MKR Division, Head of Tahuna Branch Office, Head of Audit 2 Group at IAU and was later appointed as Head of IAU to the present.


53






Lahir di Manado pada 22 Mei 1965. Memiliki gelar Sarjana

Pemimpin Divisi Perencanaan Head of Planning Division

Ekonomi dan Magister Manajemen dari Universitas Sam Ratulangi Manado. Mengawali karier di Bank SULUT sejak tahun 1989 dan menduduki beberapa Jabatan seperti Pemipin Divisi Umum, Pemipin Divisi Kredit, Staf Direksi Bidang Operasional, dan selanjutnya diangkat menjadi Pimpinan Divisi Perencanaan pada tahun 2012 hingga sekarang. Born in Manado on May 22nd, 1965. Awarded Bachelor

Revino M. Pepah

Degree of Economy and Master Degree of Management from University of Sam Ratulangi Manado. He started his career in Bank SULUT since 1989 and served in some positions, Head of General Affairs Division, Head of Credit Division, Board of Directors Staff on Operational Aspect and was later appointed as Head of Planning Division since 2012 to present.

Pemimpin Divisi Corporate Secretary Head of Corporate Secretary Division

Lahir di Tomohon pada 02 Februari 1966. Memperoleh gelar Sarjana Hukum di Universitas Sam Ratulangi Manado. Mengawali karir di Bank SULUT sejak tahun 1993 dan telah menduduki beberapa jabatan penting seperti Pemimpin Kelompok Perencanaan pada Divisi Perencanaan, Pemimpin Cabang Calaca, Pemimpin Kelompok Pengendalian Risiko pada Divisi MRK, Pemimpin Cabang Bitung, dan menjadi Pemimpin Divisi Corporate Secretary sejak Tahun 2012 hingga

Maria Jean d’Arch Rogi

sekarang. Born in Tomohon on February 2nd, 1966. Awarded Bachelor Degree of Law from Universitas Sam Ratulangi Manado. Started her career in Bank SULUT since 1993 and served in some positions namely Head of Planning Group at Planning Division, Head of Calaca Branch Office, Head of Risk Management Group in MRK Division, Head of Bitung Branch Office, was later appointed as Corporate Secretary Division since 2012 to the present.

54







Pemimpin Divisi Pengembangan dan Pembinaan Cabang Head of Branch Development Division

Lahir di Manado pada 30 November 1967. Pendidikan formal Sarjana Ekonomi. Mengawali Karier di Bank SULUT sejak 1990 dan telah menduduki beberapa Jabatan seperti Wakil Pimpinan Cabang Calaca, Pemimpin Cabang Tomohon, Pemimpin Cabang Calaca, Pemimpin Cabang Utama, dan selanjutnya diangkat menjadi Pemimpin Divisi Pengembangan dan Pembinaan Cabang pada Tahun 2012 hingga sekarang. Born in Manado on November 30th, 1967. Awarded Bachelor

Linda T Moniaga

Degree of Economy. Started his career in Bank SULUT since 1990 and served in some positions, namely, Head of Primary Branch Office, and was alter appointed as Head of Branch Development Division since 2012 to persent.

Pemimpin Divisi Layanan Evaluasi dan Pembinaan Cabang Head of Evaluation Services and Branch Development Division

Lahir di lembean Pada 18 Juli 1966, Pendidikan formal Sarjana Ekonomi Akuntansi. Mengawali Karier di Bank SULUT sejak 1990 dan telah menduduki beberapa jabatan Penting seperti Pj Pimpinan Divisi AKL, Pj. Pimpinan Divisi SDM, Pemimpin Divisi SDM, Staf Direksi Bidang Pengembangan Bisnis, dan selanjutnya diangkat menjadi Pemimpin Divisi Operasional pada tahun 2012 dan saat ini menjabat sebagai Pemimpin Divisi Layanan Evaluasi dan Pembinaan Cabang hingga sekarang. Born in Lembean on July 18th, 1996, Awarded Bachelor Degree

Fransisca T Dompas

of Accounting Economy. Started her career in Bank SULUT since 1990 an served in several kay positions, namely (act) Head of IAU Division, Head of HR Division, Board of Directors Staff at Business Development Group, and was later appointed as Head of Operational Group since 2012 to the present.


55






Pemimpin Divisi Kredit Konsumer Head of Consumer Loan Division

Lahir Manado pada 15 Agustus 1967. Pendidikan formal Sarjana Peternakan. Mengawali karier di Bank SULUT sejak Tahun 1991 dan telah menduduki beberapa jabatan seperti Pemimpin Bank SULUT Cabang Jakarta, Pj. Pemimpin Divisi SDM, Pemimpin Kelompok Pengelolaan Kredit Divisi Kredit, PLH Pemimpin Divisi Kredit, Pemimpin Divisi Kredit, Dan selanjutnya diangkat Menjadi Pimpinan Divisi Kredit Konsumer pada Tahun 2012 hingga Sekarang.

Esthyany T.A. Danakusumah

Born in Manado on August 15 Agustus 1967. Awarded Bachelor Degree of Livestock. Started his career in Bank SULUT since 1991 and served in some positions, namely Head of Bank SULUT Jakarta Branch Office, (act) Head of HR Division, Head of Credit Management Group at Credit Division, (PLH) Head of Credit Division, Head of Credit Division, and was later appointed as Head of Consumer Loan Division since 2012 to the present.

Pemimpin Divisi Kredit Bisnis Head of Bussiness Loan Division

Lahir di Manado pada 18 April 1966. Pendidikan formal Sarajana Ekonomi. Mengwali karier di Bank SULUT Sejak tahun 1996 dan telah menduduki beberapa Jabatan penting seperti: DPB pada Divisi Kredit, Pj Pemimpin Kelompok Pengolahan Kredit pada Divisi Kredit, Pemimpin Kelompok Pengolahan Kredit pada Divisi Kredit, Pemimpin Divisi Perencanaan, dan selanjutnya diangkat menjadi Pemimpin Divisi Kredit Komersil pada 03 September 2012 hingga sekarang.

Albert H. Kaloh

Born in Manado on April 18th, 1966. Awarded Bachelor Degree of Economy. Started his career in Bank SULUT since 1996 and served in some positions: namely DPB in Credit Division, (act) Head of Credit Management Group at Credit Division, Head of Credit Management Group at Credit Division, Head of Planning Division, and was later appointed as Head of Commercial Loan Division on September 3rd, 2012 to the present.

56







Pemimpin Divisi Trisuri & International Banking Head of Treasury & International Banking Division

Lahir di Kotamobagu pada 17 Desember 1962. Pendidikan formal Sarjana Muda Akuntansi (1985) dan Sarjana Ekonomi (1994) mengawali Karier di Bank SULUT sejak 1984 dan telah menduduki beberapa jabatan seperti Bendahara Dana Pensiun, Pemimpin Kelompok SDM 2 merangkap Koordinator Kelompok SDM 1, Pemimpin Cabang Bitung, Pemimpin Kelompok ALMA dan Dealing Room Pada Divisi Trisuri, dan selanjutnya diangkat menjadi Pemimpin Divisi Trisuri pada Tahun 2012 hingga sekarang.

Femmy K. Muaja

Born in Kotamobagu on Desember 17th, 1962. Awarded BA Degree of Accounting (1985) and Bachelor Degree of Economy (1994) Started her career in Bank SULUT since 1984, and served in some positions, namely Pension Fund Treasurer, Head of HR2 Group and the coordinator of HR 1 Group, Head of Pemimpin Bitung Branch Office, Head of ALMA Group and Dealing Room at Treasury Group and was later appointed as Head of Treasury Division since 2012 to the present.

Lahir di Tondano pada 27 Januari 1963. Mengawali Karier di

Pemimpin Divisi Kepatuhan Head of Compliance Division

Bank SULUT sejak 1991 dan telah menduduki beberapa jabatan seperti Pj. Pemimpin Cabang Tondano, Wakil Pemimpin Cabang Utama, Pemimpin Kelompok Pengembangan Bisnis Divisi PBC, Pemimpin Kelompok Compliance dan UKPN Divisi MRK, Pemipin Divisi Kepatuhan tahun 2012 hingga sekarang. Born in Tondano on January 27th, 1963. Started his career in Bank SULUT since 1991 and served in some positions, namely

Ramli Rifai

(act) Head of Tondano Branch Office, Deputy of Head Primary Branch Office, Head of Business Development Group at PBC Division, Head of Compliance and UKPN at MRK Division, Head of Compliance Division since 2012 to the present.


57






Pemimpin Divisi Manajemen Risiko Inherent Head of Inherent Risk Management Division

Lahir di Manado pada 01 Januari 1964. Mengawali Karier di Bank SULUT sejak 1989 dan telah menduduki beberapa jabatan seperti Pemimpin Kelompok Compliance dan unit Khusus Pemantauan Nasabah, Detaser Pemimpin Cabang Pembantu Tomohon, Detaser Pemimpin Cabang Jakarta, Pemimpin Cabang Kawangkoan, dan selanjutnya diangkat menjadi Pemimpin Divisi MRI pada tahun 2012 sampai sekarang. Born in Manado on January 1st, 1964. Started his career in Bank

Jane T.L Rombepajung

SULUT since 1989 and served in some positions, namely Head of Compliance Group and Customers Monitoring Special Unit, Detaser Head of Tomohon Supporting Branch Office, Detaser Head of Jakarta Branch Office, Head of Kawangkoan Branch Office, and was later appointed as Head of MRI Division since 2012 to the present.

Pemimpin Divisi Sumber Daya Manusia Head of Human Resources Division

Lahir di Suluun pada 27 Desember 1967. Pendidikan formal Sarjana Pendidikan (1991) mengawali karier di Bank SULUT sejak 1991 dan telah menduduki beberapa Jabatan Seperti Pemimpin Kelompok Organisasi Divisi Perencanaan, Pemimpin Cabang Tomohon, Pemimpin Kelompok SDM 1 Divisi SDM, Wakil Pemimpin Divisi SDM dan selanjutnya di angkat menjadi Pemimpin Divisi SDM. Born in Suluun on December 27th, 1967. Awarded Bachelor

Deetje Dientje Tumober

Degree of Education studies (1991) and Started her career in Bank SULUT since 1991 and served in some positions, namely Head of Organization Group at Planning Division, Head of Tomohon Branch Office, Head of HR 1 Group at HR Division, Deputy of Head of HR Division and was later appointed as Head of HR Division.

58







Pemimpin Divisi Teknologi dan Electronic Banking Head of Technology and Electronic Banking Division

Lahir di Manado pada 10 Oktober 1964, pendidikan Sarjana Muda Ekonomi. Mengawali Karier di Bank SULUT sejak tahun 1988 dan telah menduduki beberapa jabatan seperti Pemimpin Cabang Bitung, Pemimpin Kelompok Pengembangan Kredit Divisi Kredit, Pemimpin Divisi Kredit tahun 2011, Staf Direksi Pengembangan Teknologi Informasi dan Selanjutnya diangkat menjadi Pemimpin Devisi Teknologi dan Elektronik Banking pada tahun 2012 hingga sekarang.

Derry H Dotulong

Born in Manado on October 10th, 1964. Awarded BA Degree of Economy. Started his career in Bank SULUT since 1988 and served in some positions, namely Head of Bitung Branch Office, Head of Credit Development Group at Credit Division, Head of Credit Division (2011), Board of Directors Staff on Information Technology Development and was later appointed as Head of Technology and Electronic Banking Division since 2012 to the present.

Pemimpin Divisi Umum Head of General Affairs Division

Lahir di Sangihe pada 12 April 1967. Memperoleh Gelar Sarjana dari STIE Perbanas Jakarta (D3-1989) STIE PIONER. Mengawali Karier di Bank SULUT sejak 1990 dan telah meduduki beberapa jabatan seperti Pemimpin Cabang Kotamobagu, Pemimpin Kelompok Pengembangan Bisnis Divisi PBC, Wakil Pemimpin Cabang Limboto, Pemimpin Cabang Tahuna dan selanjutnya diangkat menjadi Pemimpin Divisi Umum pada 2012 hingga sekarang. Born in Sangir on April 12th, 1967. Awarded Bachelor Degree

Machmud Turuis

of Economy from STIE Perbanas Jakarta (D3-1989) STIE PIONER. Started his career in Bank SULUT since 1990 and served in some positions namely Head of Kotamobagu Branch Office, Head of Business Development Group at PBC Division, Deputy of Head of Limboto Branch Office, Head of Tahuna Branch Office and was later appointed as Head of General Affairs Division since 2012 to the present.


59




Rapat Kerja & Evaluasi Triwulan II Tahun 2013 Bank SULUT Bank Sulut Coordination Meeting & 2nd Quarter Evaluation of 2013

60







Tanggung Jawab Atas Laporan Tahunan 2013    Responsibility of Annual Report 2013

Laporan tahunan ini, berikut laporan keuangan dan informasi

The Annual Report, altogether with Financial Statement and

lain yang terkait, merupakan tanggung jawab Manajemen

other related information becomes the responsibility of Bank

Bank SULUT dan dijamin kebenarannya oleh seluruh anggota

SULUT Management and has been verified its accountability by

Direksi dan Komisaris dengan membubuhkan tandatangannya

all of Board of Director's and Board of Commissioner by signing

masing-masing di bawah ini:

below:

Dewan Komisaris Board of Commissioners

Robby J. Mamuaja Komisaris Utama President Commissioner

Alexius Lembong Komisaris Commissioner

Effendy Manoppo Komisaris Commissioner

Mustamir Bakri Komisaris Commissioner

Direksi Board of Directors

Jeffry Salilo Direktur Director


Felming Harun Direktur Director

Novi V. B. Kaligis Direktur Director

Judy Koagow Direktur Director


61





62

Informasi Perusahaan Corporate Information

64

Sekilas Bank SULUT Bank SULUT in Brief

65

Jejak Langkah Milestone

66

Bidang usaha Line of Business

68

Wilayah Operasional Operational Area

69

Struktur Organisasi Organizational Structure

70

Visi dan Misi Vision and mission

72

Komposisi Pemegang Saham Shareholder Composition

73

Daftar Entitas dan Entitas Asosiasi List of Subsidiaries and Associations

72

Peristiwa Penting Significant events

74

Mitra Usaha Business Partners

81


82

Teknology Informasi Information Technology

86







"Lima puluh dua tahun mengabdi, Bank SULUT menetapkan tahun 2013 sebagai tahun pelayanan, salah satunya dengan mempersembahkan Tabungan Bunaken bagi nasabah dan calon nasabah" Fifty two years of dedication, Bank Sulut announced 2013 as Year of Service, namely by launching Bunaken Saving for the customers and prospective customers.


63





Informasi Perusahaan Corporate Information

Nama Name

PT Bank SULUT

Alamat Address

Jl. Sam Ratulangi No. 9 Manado 95111

Telp

(0431) 861759 (Hunting)

Faksimili Facsimile

(0431) 854522

Email Email

[email protected]

Website Website

www.banksulut.co.id

Tanggal Berdiri Establishment Date

1961 Akta No. 88 tanggal 17 Maret 1961 oleh Raden Hadiwido, S.H., Notaris pengganti dari Raden Kadiman S.H., Notaris di Jakarta yang diperbaiki dengan Akta Perubahan Anggaran Dasar No. 22 tanggal 4 Agustus 1961 oleh Raden Kadiman S.H., Notaris di Jakarta dan Akta Perubahan Anggaran Dasar No. 46 tanggal 10 Oktober 1961 oleh Raden Hadiwido S.H., pengganti dari Raden Kadiman S.H., Notaris di Jakarta, yang telah memperoleh pengesahan dari Menteri Kehakiman Republik Indonesia dengan penetapan No. J.A.5/109/6 tanggal 13 Oktober 1961.

Dasar Pendirian Establishment Legal Basis

Notarial Deed No. 88 dated March 17, 1961 by Raden Hadiwido, S.H., a substitute notary to Raden Kadiman S.H., a Notary in Jakarta amended with the Deed on the Amendments to the Article of Association No. 22 dated August 4, 1961 by Raden Kadiman S.H., Notary Public in Jakarta and Deed on the Amendments to the Article of Assiciation No. 46 dated October 10, 1961 by Raden Hadiwido,S.H., substitute notary to Raden Kadiman S.H., a Notary in Jakarta. The deed of establishment was approved by the Ministry of Justice and Human Rights of Republic of Indonesia in its decision letter No.J.A.5/109/6 dated October 13, 1961.

Modal Dasar Authorized Capital

Rp1.000.000.000.000,-

Modal Ditempatkan dan Disetor Penuh Paid-in and Fully Paid Capital

Rp408.071.000.000,-

Jaringan Kantor Office Network

1 Kantor Pusat Head Office 1 Kantor Cabang Utama Primary Branch Office 19 Kantor cabang Branch Offices 22 Kantor Cabang Pembantu Supporting Branch Offices 26 Kantor Kas Cash Offices 3 Mobil Kas Cash Cars

64

NPWP Tax Identification Numbers

01.148.694.1.821-000

Jumlah Jaringan ATM ATM Network

87

Jumlah Karyawan Total Employees

1339






Sekilas Bank SULUT Bank SULUT in Brief

PT Bank Pembangunan Daerah Sulawesi Utara ( Bank SULUT) didirikan pertama kali pada tanggal 17 Maret 1961 dengan nama PT Bank Pembangunan Daerah Sulawesi Utara Tengah dan kemudian berubah nama menjadi Perusahaan Daerah Bank Pembangunan Sulawesi Utara pada tahun 1962. PT Bank Pembangunan Daerah Sulawesi Utara (Bank Sulut) was firstly established at March 17th, 1961 under the name of PT Bank Pembangunan Daerah Sulawesi Utara Tengah and later changing its name into Perusahaan Daerah Bank Pembangunan Sulawesi Utara in 1962.

Perusahaan kembali mengalami perubahan status badan

The Company once again experienced legal entity status from

hukum dari Perusahaan Daerah menjadi Perseroan Terbatas

Local Enterprise to Limited Company under the name of PT

dengan nama PT Bank Pembangunan Daerah Sulawesi Utara

Bank Pembangunan Daerah Sulawesi Utara with basic capital

dengan susunan modal dasar ditetapkan sebesar Rp100 miliar

structure implemented amounting to Rp100 billion with

dengan kepemilikan Daerah Propinsi, Kabupaten dan Kota

Provincial, Regent and City Government ownership maximum

maksimum 55% dan Pihak Ketiga termasuk koperasi sebesar

55% and Third Party including Cooperation amounting to 45%.

45%. Perubahan struktur saham Bank SULUT terjadi pada tahun

Changing on Bank Sulut’s shares structure occurred in 2004

2004 ketika Pemerintah menjual kembali seluruh sahamnya

when the Government sold back its shares and succeeded

dan berhasil meningkatkan modal dasar Perusahaan dari

in raising Company’s basic capital from Rp100 billion to 300

Rp100 miliar menjadi Rp300 miliar. Selama 2 tahun terakhir,

billion. Within the last 2 years, Bank Sulut’s asset experienced

aset Bank SULUT mengalami peningkatan 63% yang tercapai

63% growth reached through business expansion at Jakarta,

melalui ekspansi di Jakarta, Surabaya dan Malang. Hingga

Surabaya and Malang. As of 2013, Bank Sulut collected fund

tahun 2013, Bank SULUT berhasil menghimpun dana

to Rp5.03 trillion as end of December 2013, total assets of the

mencapai Rp5,03 triliun sehingga pada akhir Desember 2013,

Company reached to Rp7.81 trillion or grew by 19.19% from

total aset Perusahaan mencapai Rp7,81 triliun atau meningkat

2012 which was Rp6.55 trillion.

19,19% dibanding tahun 2012 yaitu Rp6,55 triliun. Dengan fokus utama pada peningkatan portfolio bisnis,

Within primary focus in enhancing business portfolio, Bank Sulut

Bank SULUT senantiasa fokus kepada pengembangan bisnis

always committed to focus on banking business development

perbankan di tingkat daerah dan nasional guna mencapai

both in local or national level to achieve the target as true

target sebagai true regional champion. Guna mendukung

regional champion. To support performance optimization and

optimalisasi kinerja dan pencapaian target Perusahaan, Bank

Company’s target achievement, Bank Sulut always implements

SULUT senantiasa mengimplementasikan prinsip Tata Kelola

Good Corporate Governance and prudent principles to provide

Perusahaan yang Baik (GCG) dan kehati-hatian (prudent

added value for customers and all stakeholders

principle) guna menghasilkan nilai tambah bagi nasabah dan seluruh pemangku kepentingan.


65





Jejak Langkah Milestone

1999

1961

Perubahan Badan Hukum dari Perusahaan Daerah

Berdiri dengan nama

menjadi Perseroan Terbatas

PT Bank Pembangunan

1990

Daerah Sulawesi Utara Tengah

Rekapitalisasi Perbankan Changing Legal Entity

Established under

Melepas Obligasi I Bank

the Name of PT Bank

Sulawesi Utara

Pembangunan Daerah

Issuing Bonds I Bank Sulawesi

Sulawesi Tengah

participated on Banking

Utara

Recapitalization Program

1961

from Perusahaan Daerah to Perseroan Terbatas and

1990

1999 1993

1961

2004

Berubah menjadi Perusahaan

Melepas Obligasi II Bank

Lepas dari Program

Daerah Bank Pembangunan

Sulawesi Utara

Rekapitalisasi Perbankan

Issuing Bonds II Bank Sulawesi

Passed from the Banking

Utara

Recapitalization Program

Daerah Sulawesi Utara melalui UU No. 13 Tahun 1962 jo UU No. 13 Tahun 1964 Transformed into Perusahaan Daerah Bank Pembangunan Daerah Sulawesi Utara under Law No. 13 of 1962 juncto Law No. 13 of 1964.

1961 66

dan ikut serta dalam Program


1993

2004





2013

2011

Bank SULUT meluncurkan Tabungan Bunaken dan

2005

PT Mega Corpora resmi

menetapkan tahun 2013

masuk menjadi pemegang

sebagai Tahun Pelayanan

saham di Bank SULUT

Membuka cabang di Jakarta dan Melepas Obligasi 3

Bank Sulut launched

PT Mega Corpora officially

Bunaken Saving and

Opened branch in Jakarta

becomes shareholders of

announced 2013 as Year of

and issuing Bonds 3

Bank Sulut

Service

2011

2005 2010

2013 2012

Membuka Cabang di

Pergantian dan Perubahan

Surabaya dan Melepas

manajemen pada Bulan

Obligasi 4 dan Subordinasi 1

Febuari dan September

Opened Branch in Surabaya

Changing and Succession of

and Issuing Bonds 4 and Subordinate 1

2004

management in February and September

2012


67





Bidang Usaha Line of Business

Giro Bank SULUT Current Accounts of Bank Sulut

Produk Jasa Services

Produk Kredit Bisnis Business Loan products

1. Simpeda

1. Simpeda

2. TabunganKu

2. TabunganKu

3. Rekening Giro Bank SULUT

3. Bank Sulut Current Accounts

4. Deposito Bank SULUT

4. Bank Sulut Time Deposit

5. Tabungan Bunaken

5. Bunaken Saving

1. SMS Banking

1. SMS Banking

2. Kiriman Uang

2. Remittance

3. Garansi Bank

3. Guarantee Bank

4. Referensi Bank

4. Reference Bank

5. Safe Deposit Box

5. Safe Deposit Box

6. Pelayanan Kartu Anjungan Tunai Mandiri (ATM)

6. Automatic Teller Machine (ATM) Card Service

7. Pelayanan pembayaran Telkomsel dan Indosat, Setoran Pajak dan jasa pelayanan pembayaran gaji Pegawai Negeri Sipil dan para pensiunan.

7. Payroll for Telkomsel and Indosat, Tax Deposit and Civil Servant and Pension Salary.

1. Kredit Modal Kerja

1. Working Capital Loan

2. Kredit Investasi

2. Investment Loan

3. Kredit Usaha Kecil Modal Kerja

3. Small Enterprise Working Capital Loan

4. Pinjaman Rekening Koran 5. Kredit Usaha Rakyat (KUR) 6. Kredit Usaha Rakyat Mikro 7. Kredit Usaha Rakyat Ritel 8. Kredit Mikro 9. Kredit tanpa Agunan (KTA)

Produk Kredit Konsumer Consumer Loan Products

68


4. Current Accounts Loan 5. Micro Loan (KUR) 6. Micro Enterprise Loan 7. Retail Micro Loan 8. Micro Loan 9. Non-collateral Loan

1. Kredit Pegawai Penghasilan Tetap (KPPT)

1. Fixed Income Employee Loan

2. Kredit Cash Collateral

2. Cash Collateral Loan

3. Kredit Pejabat Publik

3. Public Official Loan

4. Kredit Pensiunan PNS

4. Civil Servant Pension Loan

5. Kredit Pemilikan Rumah (KPR)

5. Mortgage





Wilayah Operasional Operational Area

Operasional Area Bank SULUT melingkupi, provinsi Sulawesi Utara dan Gorontalo serta beberapa Cabang di DKI Jakarta dan Jawa Timur. Bank SULUT’s operational area is including North Sulawesi and Gorontalo provinces as well as several Branch Offices at Jakarta and East Java.

Gorontalo

Sulawesi Utara North Sulawesi

Wilayah kantor Cabang Bank SULUT Bank SULUT Branch Office Area

DKI Jakarta

Surabaya Malang


69





Struktur Organisasi Organizational Structure

RUPS GMS

Direktur Utama President Director

Johanis Ch. Salibana

Direktur Kepatuhan

Direktur Umum

Direktur Pemasaran

Jeffry Salilo

Felming Harun

Novi VB. Kaligis

Compliance Director

General Director

Marketing Director

Group Head Pemasaran Head Marketing Group

Robbynson H. Rorong

Divisi Kepatuhan

Divisi Umum

Divisi Kredit Bisnis

Machmud Turuis

Albert H. Kaloh

Compliance Division

General Affair Division

Divisi Manajemen Risiko Inheren

Divisi Corporate Secretary

Divisi Kredit Konsumer

Maria Jean d’Arch Rogi

Esthyany T. A. Danakusumah

Unit APU & PPT

Divisi Sumber Daya Manusia

Divisi Trisuri & International Banking

Fenny Kolondam

Deetje Tumober

Treasury & Internal Banking Division

Wakil Divisi Sumber Daya Manusia

Vice of Treasury Division

Ramli Rifai

Inheren Risk Management Division

Jane T. L. Rombepajung

Unit APU & PPT

Corporate Secretary Division

Human Resources Division

Vice of Human Resources Division

70


Credit business Division

Consumer Loan Division

Femmy K. Muaja

Wakil Divisi Trisuri Louisa Parengkuan





Dewan Komisaris

Board of Commissioners

Komite Dekom

Board of Commissioners' Committees

Komite Kredit, KMK, ALCO

Direktur Operasional

Credit Commitee Risk Management Commitee Asset Liabilities Committee

Operational Director

Judy Koagow

Group Head Operasional Head Operational Group

Verry V. Masengi

Divisi Akuntansi & Laporan Keuangan

Divisi Perencanaan Planning Division

Accounting & Financial Report Division

Revino M. Pepah

Herry Oroh

Divisi IT & Electronic Banking

Satuan Kerja Audit Internal

Derry H. Dotulong

Silvanus T. R. Senduk

Wakil Divisi IT & Electronic Banking

Divisi Pengembangan Bisnis Jaringan & Hubungan Pihak Ketiga

IT & Electronic Banking Division

Internal Audit Unit

Business Network and Third Party Relation Development Division

Vice of IT & Electronic Banking Division

Asri Effendi

Linda T. Moniaga

Unit Penyelamatan dan Penyelesaian Kredit Bermasalah

Divisi Layanan, Evaluasi dan Pembinaan Cabang

Non-Performing Loan Settlement and Recovery Unit

Branch Service, Evaluation and Development Division

Fransisca T. Dompas

Usman Harun

Staf Ahli

Expert Staff


71





Visi dan Misi Vision and Mission

Visi: "Menjadi perusahaan jasa perbankan yang profesional dan bertumbuh secara sehat." Misi: 1. Sebagai bank fokus yang berorientasi pada bisnis ritel 2. Sebagai penggerak, pendorong laju perekonomian dan pembangunan daerah 3. Memberikan kontribusi yang optimal kepada stakeholders. vision: “Being a professional services firm banking and grow in a healthy manner.” mission: 1. As a bank-oriented focus on retail business 2. As drivers, drivers of economic growth and regional development 3. Optimal contribution to the stakeholders.

72






Komposisi Pemegang Saham Shareholder Composition

PeMEGANG saham Shareholders

Share

Pemerintah Provinsi Sulut Sulut Provincial Government

33,73%

Pemerintah Provinsi Gorontalo Gorontalo Provincial Government

3,24%

PT Mega Corpora

24,99%

Kopkar PT Bank SULUT

5,54%

Pemerintah Kota & Kabupaten

City & Regent Government


Share


Share

Kabupaten Boalemo

7,15%

Kota Tomohon

0,74%

Kabupaten Minahasa

3,58%

Kabupaten Minahasa Utara

0,70%

Kabupaten Gorontalo

4,12%

Kabupaten Minahasa Selatan

0,36%

Kota Bitung

3,00%

Kabupaten Bone Bolango

0,46%

Kabupaten Bolmong

2,44%

Kabupaten Kepulauan Talaud

0,04%

Kota Manado

2,29%

Kabupaten Sitaro

0,31%

Kota Gorontalo

2,14%

Pemkab Bolsel

0.00%

Kabupaten Pohuwato

2,38%

Pemkab Boltim

0.00%

Kabupaten Sangihe

1,73%

Pemkab Bolmut

0.00%

Kabupaten Gorontalo Utara

1,04%

Pemkab Kotamobagu

0.00%

Informasi mengenai Pemegang Saham Utama Majority Shareholders Information Kabupaten Sitaro 0,31% Sitaro Regent

Pemerintah Provinsi Sulut 33,73% Sulawesi Utara Provincial Government

Kabupaten Kepulauan Talaud 0,04% Kepulauan Talaud Regent

Pemerintah Provinsi Gorontalo 3,24% Gorontalo Provincial Government

Kabupaten Bone Bolango 0,46% Bone Bolango Regent Kabupaten Minahasa Selatan 0,36% Minahasa Selatan Regent Kabupaten Minahasa Utara 0,70% Minahasa Utara Regent

PT Mega Corpora 24,99% PT Mega Corpora Kopkar PT Bank SULUT 5,54% Kopkar PT Bank SULUT Kabupaten Boalemo 7,15% Boalemo Regent

Kota Tomohon 0,74% Tomohon City

Kabupaten Minahasa 3,58% Minahasa Regent

Kabupaten Gorontalo Utara 1,04% Gorontalo Utara Regent

Kabupaten Gorontalo 4,12% Gorontalo Regent

Kabupaten Sangihe 1,73% Sangihe Regent Kabupaten Pohuwato 2,38% Pohuwato Regent Kota Gorontalo 2,14% Gorontalo Regent

Kota Bitung 3,00% Bitung City Kabupaten Bolmong 2,44% Bolmong Regent Kota Manado 2,29% Manado Regent


73





Daftar Entitas Anak dan Entitas Asosiasi List of Subsidiaries and Associations

Bank SULUT hingga tahun 2013 tidak memiliki entitas anak dan

As of 2013, Bank Sulut did not have subsidiaries and

entitas asosiasi.

associations.

Kronologis Pencatatan Obligasi

Bonds Listing Chronology

Obligasi Bank Pembangunan Sulawesi Utara I diterbitkan tahun

Bonds I Bank Pembangunan Sulawesi Utara was issued in

1990 dengan nilai nominal sebesar Rp10.000.000.000 dengan

1990 with par value of Rp10,000,000,000 fixed interest rate per

tingkat bunga tetap per tahun sebesar 17% . Obligasi ini telah

annum of 17%. The bonds has been matured and settled on

jatuh tempo dan dilunasi tanggal 20 April 1995.

April 20th, 1995.

Obligasi Bank Pembangunan Sulawesi Utara II diterbitkan tahun

Bonds II Bank Pembangunan Sulawesi Utara was issued in 1993

1993 dengan nilai nominal sebesar Rp20.000.000.000 dengan

with par value of Rp20,000,000,000 with fixed interest rate per

tingkat bunga tetap per tahun sebesar 15%. Obligasi ini telah

annum of 15%. The bonds has been matured and settled on

jatuh tempo dan dilunasi tanggal 30 Desember 1998.

December 30th, 1998.

Obligasi Bank SULUT III diterbitkan tanggal 29 April 2005 dengan

Bonds II Bank Sulut was issued on April 29th, 2005 with par value

nilai nominal sebesar Rp200.000.000.000 dengan tingkat bunga

of Rp200,000,000,000 fixed interest rate per annum of 12.75%.

tetap per tahun sebesar 12,75%. Obligasi ini memiliki jangka

The bonds holds five years maturity which will be matured on

waktu lima tahun yang berakhir pada tanggal 12 Mei 2010.

May 12th, 2010. The bonds has been settled.

Obligasi ini telah dilunasi. Berdasarkan Surat Keputusan Direksi No. 043/SK-SDM/

Pursuant to BOD Decree No. 043/SK-SDM/DIR/V/2008 dated

DIR/V/2008 tanggal 30 Mei 2008 dan Surat Keputusan Direksi

May 30th, 2008 and BOD Decree No. 080/SK-SDM/DIR/XII/2008

No. 080/SK-SDM/DIR/XII/2008 tanggal 2 Desember 2008

dated December 2nd, 2008 has implemented Audit Committee

telah menetapkan Komite Audit Bank sebagai berikut : Pada

of the Bank, as follows: on March 30th, 2010, the Bank has

tanggal 30 Maret 2010, Bank telah menerbitkan Obligasi Bank

issued Bonds IV Bank Sulut amounted to Rp390,000,000,000

SULUT IV sebesar Rp390.000.000.000 dengan tingkat bunga

fixed interest rate per annum of 12% and Subordinate Bonds I

tetap per tahun sebesar 12% dan Obligasi Subordinasi Bank

Bank Sulut of Rp10,000,000,000 fixed interst arte of 12.20%. The

SULUT I sebesar Rp10.000.000.000 dengan tingkat bunga

bonds holds five years maturity and will be matured on April

tetap sebesar 12,20%. Obligasi ini memiliki jangka waktu lima

9th, 2015.

tahun yang berakhir pada tanggal 9 April 2015. Pada tanggal 1 Maret 2005, Bank mendapat penilaian

On March 1st, 2005, the Bank obtained rating assessment from

peringkat dari PT. Pemeringkat Efek Indonesia (PT Pefindo)

PT Pemeringkat Efek Indonesia (Pefindo) for Bonds III Bank Sulut

untuk obligasi Bank SULUT III dengan hasil penilaian peringkat

with idBBB rating. Bonds III Bank Sulut is 100%, acting as trustee

id

BBB. Harga Obligasi Bank SULUT III adalah 100%. Bertindak

of Bonds III Bank Sulut is PT Bank Mandiri (Persero) Tbk.

sebagai wali amanat obligasi Bank SULUT III adalah PT. Bank Mandiri (Persero) Tbk. Berdasarkan hasil pemeringkatan yang dilakukan oleh

Referring to the rating from PT Pemeringkat Efek Idnonesia

PT Pemeringkat Efek Indonesia melalui surat No. 1105/PEF-Dir/

under Letter No. 1105/PEF-Dir/XII/2009 dated December 1st,

XII/2009 tanggal 1 Desember 2009, peringkat atas obligasi Bank

2009, rating of Bonds III Bank Sulut in 2004 was idA0 (Single A

SULUT III Tahun 2005 Bank adalah idA- (Single A Minus; Stable

Minus: Stable Outlook).

Outlook).

74






Berdasarkan surat dari PT. Pemeringkat Efek Indonesia

Referring to Letter form PT Pemeringkat Efek Indonesia

(PEFINDO) No. Ref. 1149/PEF-Dir/XII/2009 tanggal 22 Desember

(Pefindo) No. ref. 1149/PEF - Dir/XII/2009 dated December

2009 hasil pemeringkat atas Obligasi Bank SULUT IV tahun

22nd, 2009, result of Bonds IV Bank Sulut rating in 2010 is idA-

2010 adalah idA- (Single A Minus, Stable Outlook) .

(Single A Minus, Stable Outlook)

Seluruh obligasi yang dikeluarkan Bank SULUT diperdagangkan

All of Bonds issued by Bank Sulut is traded at Indonesia Stock

di Bursa Efek Indonesia (BEI).

Exchange (IDX).

Nama dan Alamat Lembaga dan Atau Profesi Penunjang Pasar Modal

Name and Address of Stock Market Supporting Profession and or Institution

Perusahaan Pemeringkat Efek Securities Rating Agency (Obligasi I Bank NTT Tahun 2011)

Agen Pembayar Custody PT. Kustodian Sentral Efek / KSEI Gedung Bursa Efek Indonesia Tower I, Lantai 5, Jalan Jend. Sudirman Kav 52 -53, Jakarta 12190

PT. Pemeringkat Efek Indonesia (Pefindo), Panin Tower Senayan City, Lantai 17 Jalan. Asia Afrika Lot 19, Jakarta 10270, Indonesia Phone : (021) – 7278 2380; Fax : (021) - 7278 2370 Bursa Efek Indonesia (BEI) Indonesia Stock Exchange (IDX) Gedung Bursa Efek Indonesia Tower I, Lantai 4, Jalan Jend. Sudirman Kav 52 -53, Jakarta 12190 Wali Amanat Trustee PT. Bank Mandiri Plaza Mandiri, Jalan Jend. Gatot Subroto Kav 36 – 38, Jakarta Penjamin Emisi Underwriter PT. Andalan Artha Advisindo Sekuritas Equity Tower Building, Lantai 22 Jalan. Jend. Sudirman, Jakarta 12190

Akuntan Publik Public Accountant KAP Drs. J. Tanzil & Rekan Jalan Mayjend. Sungkono, Darmo Park II Blok III / 19 -20, Surabaya 60225 – Indonesia Jasa Hukum Legal Consultant Marsinih Martoatmodjo Iskandar Kusdihardjo Sampoerna Strategic Square, South Tower, Lantai 24, Jalan Jend. Sudirman Kav. 45-46, Jakarta 12930 Notaris Notary Arry Supratno, SH Gedung Artha Loka, Lantai 7, Suite 706, Jalan Jend.Sudirman Kav 2, Jakarta 10220


75





Peristiwa Penting Significant Events

1

21 Maret 2013 21 March 2013

2

18 April 2013 18 April 2013

3

19 Apr 2013 19 Apr 2013

Pertemuan Direksi PT Bank SULUT dengan Pemerintah Kab. Minahasa PT Bank Sulut BOD and Minahasa Regent Government Meeting

02 Mei 2013 02 May 2013

4

Rapat Kerja dan Evaluasi triwulan I tahun 2013

Rapat Kerja dan Evaluasi triwulan II tahun 2013

Coordination Meeting and 1st Quarter of 2013 Evaluation

Coordination Meeting and 2nd Quarter of 2013 Evaluation

5

10 Mei 2013 10 May 2013

Pertemuan Direksi PT Bank SULUT dengan anggota DPRD Talaud

Kaikutsertaan PT Bank SULUT PORSENI BPDSI, Palembang

PT Bank Sulut BOD and member of Talaud DPRD meeting

PT Bank Sulut participation on BPD SI Porseni, Lembang

14 Mei 2013 14 May 2013

7

8

pada

17 Mei 2013 17 May 2013

6

13 Mei 2013 13 May 2013

PKS PT Bank SULUT dengan Pemkab. Gorontalo tentang Pelaksanaan Penerimaan Kas Daerah, lt. 5 Bank SULUT MoU between PT Bank Sulut and Gorontalo Regent Government regarding Regional Cash Revenue, 5th Floor, Bank Sulut

9

18 Mei 2013 18 May 2013

PKS PT Bank SULUT dengan Pemerintah Kab. Bolaang Mongondow Timur tentang penerapan dan Pengelolaan KPE MoU between PT Bank Sulut with Bolaang Mongondow Regent regarding KPE implementation and management

76

Peresmian Kantor Cabang Pembantu Motoling

Fun Bike dan Jalan Sehat PT Bank SULUT dalam Rangka HUT ke-52

Motoling Supporting inauguration

Fun Bike and Fun Walk PT Bank Sulut to celebrate 52th Anniversary

Branch


Office


10


03 Jun 2013 03 Jun 2013

Ibadah Syukur HUT PT Bank SULUT ke-52 PT Bank Sulut 52nd Anniversary Praying Ceremony



19 Apr 2013 19 Apr 2013

11

Syukuran beroperasinya Workshop Industri Kreatif percetakan Kain Tekstil Bermotif Batik ‘Kopkar Bank SULUT” UMKM binaan bersama Bank Indonesia Manado dan PT Bank SULUT Celebration for the launching of Batik Textile Printing Creative Industry Workshop of "Kopkar bank Sulut" partner SME in cooperation between Bank Indonesia Manado and PT Bank Sulut

08 Jun 2013 08 Jun 2013

12

15 Jun 2013 15 Jun 2013

13

Lomba Memancing, Kolam Pancing Kediaman Direktur Utama-Tondano

Rapat Konsultasi Pemegang Saham

Fishing Competition, Fishing Pool of President Director Residence, Tondano

Shareholders Consultative Meeting

14

19 Jun 2013 19 Jun 2013

19 Jun 2013 19 Jun 2013

15

RUPS PT Bank SULUT, Grand Kawanua Hotel PT Bank Sulut GMS, Grand Kawanua Hotel

Malam Puncak Perayaan HUT Bank SULUT ke-52, Grand Kawanua Hotel Bank Sulut 52nd Anniversary Celebration Night, Grand Kawanua Hotel


77






22 Jun 2013 22 Jun 2013

16

17

Bank SULUT Golf Open Tournament, lap. Golf Novotel Manado

Fun Rally Bank SULUT

Bank Sulut Open Tournament Golf, Novotel Gold Club, Manado

Fun Rally Bank SULUT

18

19 Jul 2013 19 Jul 2013

06 Juli 2013 06 July 2013

25 Jul 2013 25 Jul 2013

19

Penandatanganan Perpanjangan Perjanjian Kerja sama antara PT. JAMSOSTEK (Persero) Kantor Wilayah Sulawesi dengan PT Bank SULUT tentang Sosialisasi Jaminan Sosial tenaga Kerja (Jamsostek) dan jasa perbankan, Peninsula Hotel Manado Renewal MoU signing between PT Jamsostek (Persero) Sulawesi Regional Office with PT Bank Sulut regarding socialization of Manpower Social Insurance and Banking Service, Peninsula Hotel, Manado

Pembukaan Cabang Melonguane Melonguane Branch Office opening

20

78

01 Aug 2013 01 Aug 2013

21

17 Aug 2013 17 Aug 2013

Acara Kebersamaan Direksi dengan Awak Media Lokal Sulawesi Utara, Restaurant Puncak Manado

Upacara dalam rangka HUT Proklamasi kemerdekaan Republik Indonesia ke-68, PT Bank SULUT di kawasan Parkir Marina

Gathering of BOD and Sulawesi Utara press, Puncak Restaurant, Manado

Republic Indonesia 68th Independence Day Ceremony, PT bank Sulut, Marina Parking Lot


22

18 Sept 2013 18 Sept 2013

Diretur Utama meresmikan Gedung Dana Pensiun Bank SULUT President Director inaugurated Bank Sulut Pension Fund Building




25 Sept 2013 25 Sept 2013

23

24


08 Okt 2013 08 Oct 2013

PKS antara PT Bank SULUT dan PT. TASPEN (Persero) tentang pembayaran THT, THT Multiguna, dan Pensiun melalui Rekening, Swissbell Hotel MoU between PT Bank Sulut and PT Taspen (Persero) regarding payment of THT, THT Multiguna and Penion through the saving account, Swisbell Hotel PKS antara PT Bank SULUT dengan Pemerintah Provinsi Sulawesi Utara tentang Pelaksanaan Rekening Kas Umum Daerah Pemerintah Provinsi Sulawesi Utara pada PT Bank SULUT, Hotel Arya Duta Manado

25

16 Okt 2013 16 Oct 2013

Relokasi Kantor Kas Bahu

26

16 Okt 2013 16 Oct 2013

MoU between PT bank Sulut and Sulawesi Utara Provincial Government regarding the Implementation of Sulawesi Utara Government Regional Treasury Implementation with PT Bank Sulut in Hotel Aryaduta, Manado.

Bank SULUT Menyerahkan hewan qurban kepada beberapa Masjid diwilayah Manado dalam rangka Hari Raya Qurban tahun 2013

Bahu Cash Office relocation

Bank Sulut handed qurban animal to several mosques in Manado are to celebrate Qurban Day 2013.

27

23 Okt 2013 23 Oct 2013

28

28 Okt 2013 28 Okt 2013

Rapat Kerja dan Evaluasi triwulan III tahun 2013 Coordination Meeting and Evaluation of 3rd Quarter of 2013

Penyerahan CSR kepada Pemerintah Kota Manado berupa 1 mobil dan 2 motor pengangkut sampah, di lapangan Sparta Tikala Manado CSR hand over to Manado City Government in form of 1 car and 2 motorcycles for garbage hauler in Sparta Tikala Square, Manado


79






29

29 Okt 2013 29 Oct 2013

30

28 Nov 2013 28 Nov 2013 PKS antara PT Bank SULUT dengan PT. Aplikanusa Lintasarta tentang Berlangganan Sistem Jaringan Komunikasi Data, Bandung MoU between PT Bank Sulut and PT Aplikanusa Lintasarta regarding subscription of Data Communication Network System, Bandung

Pembukaan Kantor Kas Karombasan Karombasan Cash Office Opening

31

03 Des 2013 03 Dec 2013

PT Bank SULUT Menerima Jamsostek Platinum Awards, Swisbell hotel PT Bank Sulut received Jamsostek Platinum Awards, Swisbeell Hotel

80


32

09 Des 2013 09 Dec 2013

Pembukaan Kantor Kas Manembo nembo Manembo nembo Cash Office opening





Mitra Usaha Business Partners

Departemen Keuangan Finance Department

KPR bersubsidi, dana bergulir Subsidized Mortgage, circular fund

Bank Indonesia

BI RTGS, BI SSSS, kliring BI RTGS, BI SSSS, Clearing

Finnet

Kerjasama Bank SULUT dengan Finnet dalam bentuk pembayaran multi biller Partnership of Bank SULUT with Finnet in Multi Biller Payment

PT. Asuransi Bangun Askrida

Asuransi jiwa debitur kredit Loan debtors life insurance

PT. Asuransi Jasaraharja Putera

Asuransi jiwa debitur kredit, garansi bank Loan debtors life insurance, bank guarantee

PT. Jamkrindo


PT. Asuransi Bumi Putera


PT. Asuransi Jiwasraya

Asuransi jiwa debitur kredit dan saving plan Loan debtors life insurance and saving plan

PT. ASEI

Asuransi Kredit Loan insurance

PT. Taspen

Pembayaran pensiun PNS Public Servant pension payout

PT. Jamsostek

Jaminan tenaga kerja pasca kerja Post-Employment Insurance

Dana Pensiun Bank SULUT Bank SULUT Pension Fund

Pembayaran pensiun pegawai Bank SULUT Bank SULUT Employee Pension Payment

Bank BNI

Wali amanat obligasi Bank SULUT V Bank SULUT V Bonds Underwriter

Bank Mega

Kerjasama kredit chanelling Loan Channeling Partnership

Roy Pangemanan, SH.

Notaris Notary

Julius Daniel Ismawi, SH.

Notaris Notary

PT. Colega Inti Pratama

Penyedia jasa core banking dan switching Core Banking and Switching Service Provider

PT. Insan Teknologi Semesta

Penyedia jasa ATM ATM Service Provider

PT. Arthajasa

Pembayaran elektronik Electronic Payment

PT. Lintas Artha

Provider Jaringan Komunikasi Communication Network Provider

PT. Patracom

Penyedia jasa jaringan Network Service Provider

PT. Bursa Efek Indonesia

Pencatatan Obligasi V Bank SULUT Bank SULUT V Bonds Listing

PT. KSEI

Penyimpanan Obligasi Bank SULUT Bank SULUT Bonds Deposit


81






Karyawan adalah aset yang sangat berharga. Bank SULUT memberdayakan Karyawan dengan pendidikan dan pelatihan untuk meningkatkan kemampuan diberbagai bidang, agar karyawan senantiasa siap menghadapi berbagai tantangan di industri Perbankan. Employees is a precious assets. Bank Sulut empowers the employees through training and education program to enhance capability in various aspects, that the employees will always ready to face various challenges in Banking Industry.

Sebagai perusahaan pengelola jasa keuangan, Bank SULUT

As a financial service management company, Bank Sulut is

terikat dengan berbagai ketentuan Bank Indonesia yang harus

committed with several regulation from Bank Indonesia which

dipatuhi terkait dengan aspek kompetensi personil, khususnya

has to be complied related with personnel competency aspect,

pada fungsi-fungsi yang berkaitan kualifikasi tertentu.

primarily on certain functions related with distinct qualification.

Profil Karyawan

Employees Profile

Hingga 31 Desember 2013, jumlah Karyawan Bank SULUT

As of December 31st, 2013, total employees of Bank Sulut

tercatat berjumlah 1.339 orang. Jumlah tersebut mengalami

reached to 1,339 employees. The number increased from total

peningkatan dibandingkan jumlah karyawan tahun 2012 yaitu

employees in 2012 which was 1,124 employees.

1.119 orang.

82





Employees Profile Based on Employment Status

Profil Karyawan Berdasarkan Status Pegawai KODE Code

STATUS STATUS

PT


JUMLAH PEGAWAI Total employees

Pegawai Tetap Permanent Employees

638

CP

Calon Pegawai Employees Candidate

165

KKP

Pegawai Kontrak KP Head Office Contracted Employees

93

TRN

Trainee Trainee

70

KKO

Pegawai Kontrak Kopkar Employee Cooperative Contracted Employees

373

1.339

TOTAL Profil Karyawan Berdasarkan Jenjang Pendidikan Tingkat Pendidikan

Employee Profile Based on Education 2013

Education Level

Master/S2

21

Master/S2

Sarjana/S1

725

Bachelor/S1

99

Diploma / D3

4

D2

474

High School/Vocational School

13

Junior High School

3

Elementary School

1.339

TOTAL

Sarjana Muda / D3 D2 SMU/SMK

SLTP SD TOTAL Profil Karyawan Berdasarkan Jenjang Organisasi

Employees Profile Based on Organization Level

Kode Code

Jabatan

EVP

Executive Vice President

2

Executive Vice President

SVP

Senior Vice President

6

Senior Vice President

VP

Vice President

10

Vice President

SAVP

Senior Assistant Vice President

9

Senior Assistant Vice President

AVP

Assitant Vice President

36

Assitant Vice President

SMGR

Senior Manager

10

Senior Manager

MGR

Manager

38

Manager

SAMGR

Senior Assistant Manager

66

Senior Assistant Manager

AMGR

Assistant Manager

84

Assistant Manager

SOFR

Senior Officer

52

Senior Officer

OFR

Officer

306

Officer

SCL

Senior Clerk

56

Senior Clerk

2013

Total Employees


83




Kode Code

Jabatan

2013

CL

Clerk

113

Clerk

P2

Staff Non Adm

10

Staff Non Adm

P1

Staff Non Adm

5

Staff Non Adm

-

Kontrak

536

Contracted

1.339

TOTAL

JUMLAH Profil Karyawan Berdasarkan Jenjang Usia Kelompok Usia

Total Employees

Employees Profile Based on Age 2013

Age Group

> 55 Tahun

11

> 55 Years

51 - 55 Tahun

44

51 - 55 Years

46 - 50 Tahun

112

46 - 50 Years

41 - 45 Tahun

161

41 - 45 Years

36 - 40 Tahun

180

36 - 40 Years

31 - 35 Tahun

247

31 - 35 Years

26 - 30 Tahun

322

26 - 30 Years

21 - 25 Tahun

232

21 - 25 Years

17 - 20 Tahun

30

17 - 20 Years

1.339

Total

Total

Profil Karyawan Berdasarkan Jenis Kelamin Jenis Kelamin

Employees Profile Based on Gender 2013

Gender

Laki-laki

842

Male

Perempuan

497

Female

1.339

TOTAL

TOTAL

84


Pelatihan Karyawan

Employees Training

Sebagai komponen terpenting dalam suatu program

As an assets of the Company, every employee is provided

transformasi, Bank SULUT bertekad mengembangkan sumber

with equal opportunity to develop and achieve highest

daya manusia agar berkemampuan global (Global Capability)

accomplishment as well as deliver their potential on fair

dan berkinerja unggul.

competition.

Bank SULUT meyakini bahwa pegawai adalah aset utama

Bank Sulut assures that the employee is key asset which has

yang harus dijaga, dipelihara, dan ditingkatkan kualitasnya.

to be maintained, protected and improved their qualities.

Peningkatan daya saing perseroan sejalan dengan peningkatan

Improvement of Company's competitive advantages is in line

kemampuan sumber daya manusianya. Oleh karena itu, Bank

with improvement of human resources. Therefore, Bank Sulut is

SULUT berupaya keras mengenali kompetensi-kompetensi

committed to observe certain competencies as key of success






yang merupakan kunci keberhasilan dalam berbisnis dan

in carrying business and developing employees competency

mengembangkan kemampuan pegawai agar menguasai

to master the competency.

kompetensi tersebut. Untuk itu, pada tahun 2013 Bank SULUT melakukan penajaman

Threfore, in 2013, Bank Sulut conducted business positions

kompetensi profil posisi-posisi bisnis, dan telah dilakukan

competency profile intensification as well as several initiatives

inisiatif-inisiatif di bidang pengembangan pegawai, untuk

on employee development aspect. In 2013, number of

tahun 2013 pegawai yang telah diikutkan dalam pelatihan

employees participated on training program reached to 80%

sebanyak 80% dari keseluruhan pegawai dengan realisasi

from total employees with budget realization reached to

anggaran sebesar Rp7.523.751.150,-

Rp7,523,751,150.

Hubungan Industrial

Industrial Relation

Dalam

SULUT

In managing industrial relation, Bank Sulut promotes consensus

mengedepankan skema musyawarah dengan menyediakan

mengelola

hubungan

industrial,

Bank

scheme by providing communication channel which can be

saluran komunikasi yang dapat digunakan oleh seluruh

used by all employees in delivering aspiration, recommendation

pegawai dalam menyampaikan aspirasi, masukan ataupun

or complaints to the Management. Thus, every employees have

keluhan terhadap Manajemen. Selain itu, setiap karyawan

certain rights and obligations as comprehensively disclosed

memiliki hak dan kewajiban yang telah disampaikan secara rinci

and the Company provides equal opportunity to all employees

serta Perusahaan memberikan kesempatan yang setara kepada

to have representative and rights to deliver opinion equally

seluruh karyawan untuk memiliki keterwakilan dan hak untuk

through several mechanisms as agreed by both parties.

menyampaikan pendapat secara setara melalui mekanismemekanisme yang telah disepakati oleh kedua belah pihak.

Rencana Pengembangan SDM 2014

HR Development Plan 2014

Pada tahun 2014, Bank SULUT akan melanjutkan komitmen

In 2014, Bank Sulut will continue commitment to increase

untuk meningkatkan intensitas dan cakupan program

training program intensity and scope to improve competency

pelatihan guna memperluas kompetensi dan keahlian seluruh

and skill of entire management and employees. Development

manajemen dan karyawan. Kegiatan pengembangan yang

activity which will be carried in 2014 are namely SMR Certification

akan diselenggarakan pada tahun 2014, antara lain program

and Training, Credit, Marketing and Treasury Training.

Sertifikasi dan Pelatihan SMR, Pelatihan Perkreditan, Marketing dan Ketrisurian.


85





Teknologi Informasi Information Technology

Bank SULUT terus berupaya untuk menyempurnakan layanan perbankan melalui inovasi dan implementasi aplikasi Teknologi Informasi yang mutakhir dan terkini. Bank Sulut is continuously committed to improve banking service through sophisticated information technology application innovation and implementation which is updated.

Pengembangan kegiatan Teknologi Informasi di Bank SULUT

Information Technology activity development in Bank Sulut

merupakan bagian dari tugas dan tanggung jawab Divisi IT

is part of duty and responsibility of Information Technology

dan Elektronik Banking yang berada di bawah pengawasan

Division which is under direct supervision and responsible to

dan bertanggung jawab secara langsung kepada Direktur

Operational Director.

Operasional

86

Pada tahun 2011, Divisi IT dan Elektronik Banking telah

In 2011, Information Technology Division has prepared

menyusun Rencana Strategis Teknologi Informasi (IT Blueprint)

Information Technology Strategic Plan (IT Blueprint) as a

sebagai pedoman atau roadmap pengelolaan kegiatan

manual or roadmap of Information Technology activity

Teknologi Informasi di Perusahaan. Tujuan dari penerapan

management in the Company. The objectives of IT Strategic

Rencana Strategis TI tersebut adalah agar Bank SULUT dapat

Plan implementation is that Bank Sulut to have appropriate IT






memiliki Tata Kelola IT yang baik sesuai dengan prinsip Good

governance based on Good Corporate Governance principle

Corporate Governance dengan penerapan IT melalui spirit IT

with IT implementation through IT Grow Transformation spirit.

Grow Transformation. Rangkaian transformasi IT Bank SULUT

Series of IT transformation of Bank Sulut is as illustrated on

dapat digambarkan dalam roadmap sebagai berikut:

following roadmap:

Roadmap Pengembangan Teknologi Informasi Bank SULUT

Bank Sulut IT Development Roadmap

IT as Supporting Factor

IT Grow Transformation

IT as Business Driving

Tahap I (2011 – 2013) Sasaran: - Meletakkan fondasi transformasi IT - Pembangunan Data Center - Pemantapan Organisasi & Kompetensi SDM IT. - Pengembangan Business Inteligence System

Stage I (2011 – 2013) Objectives: - Placing IT transformation foundation - Data Center Development - IT HR Competency & Organization Reinforcement. - Business Intelligence System Development

Tahap II (2013 – 2013) Sasaran: - Pemantapan Infrastruktur IT - Server Core Banking System - Perluasan jaringan ATM, CDM & EDC - Relokasi server utama Core Banking System (CBS) - Persiapan implementasi kartu ATM berbasis chip. - Pengembangan Card Management System (CMS).

Stage II (2013 – 2013) Objectives: - Server Core Banking System IT Infrastructure reinforcement - ATM, CDM & EDC network expansion - Core Banking System (CBS) primary server relocation - Chip-based ATM card implementation preparation - Card Management System (CMS) development.

Tahap III (2013 – 2014) Sasaran: - Migrasi kartu ATM dari magnetic strip ke kartu chip secara bertahap

Stage III (2013 – 2014) Objectives: - ATM card migration from magnetic strip to chip card gradually

Tahap IV (2014 – 2015) Sasaran: - Penyesuaian modul kebijakan kredit dengan PAPI 2009 dan PSAK50/55 - Penyediaan infrastruktur IT pada kantor cabang baru - Implementasi BPDNet Online

Stage IV (2014 – 2015) Objectives: - Adjustment of credit policy module with PAPI 2009 and PSAK50/55 - IT infrastructure procurement at new branch office - BPDNet Online implementation


87




Uraian Program & Aktivitas Kerja TI

Description of IT Working Program and Activity

Selama tahun 2013, program dan aktivitas kerja Divisi IT dan

Throughout 2013, Information Technology Division working

Elektronik Banking antara lain sebagai berikut:

activity were namely as follows:

1. Memberikan dukungan teknis untuk keperluan jaringan

1. Providing technical support for office network requirement

kantor berupa instalasi dan konfigurasi online system pada

such as online system installation and configuration in new

unit-unt kerja yang baru:

working units, as follows:

a. Kantor Cabang Pembantu Tuminting

a. Tuminting Supporting Branch Office

b. Kantor Cabang Pembantu Likupang

b. Likupang Supporting Branch Office

c. Kantor Cabang Pembantu Paal Dua

c. Paal Dua Supporting Branch Office

d. Kantor Cabang Pembantu Paguat

d. Paguat Supporting Branch Office

e. Kantor Kas Tataaran

e. Tataaran Cash Office

f. Kantor Kas Inobonto

f. Inobonto Cash Office

g. Kantor Kas Kantor Bupati Minahasa Selatan

g. Kantor Bupati Minahasa Selatan Cash Office

h. Kantor Kas Kantor Bupati Bone Bolango

h. Kantor Bupati Bone Bolango Cash Office

i. Kantor Kas Kantor Bupati Tahuna

i. Kantor Bupati Tauhna Cash Office

j. Kantor Kas Petta

j. Petta Cash office

2. Pengembangan system host to host dengan PT. Infomedia untuk mengukung layanan Call Center 3. Penambahan fitur layanan payment produk Telkom berupa:

2. Development of host-to-host system with PT Infomedia to support Call Center service. 3. Additional Telkom products features, among others:

a. Pembayaran taguhan Telepon Rumah

a. Fixed line telephone bill payment

b. Pembayaran tagihan Flexi

b. Flexi bill payment

c. Pembayaran tagihan Speedi

c. Speedy bill payment

d. Pembayaran taguhan Telkomvision

d. Telkomvision bill payment

e. Pembayaran tagihan finpay

e. FinPay bill payment

4. Dukungan system terhadap kelancaran operasional

4. System support on pension payroll operational using

pembayaran pensiunan melalui system e-Dapem yang

e-Dapem system which is integrated with Core Banking

terintegrasi Core Banking System.

System.

5. Untuk meningkatkan pengetahuan dan ketrampilan SDM,

5. To improve HR knowledge and expertise, Bank Sulut in

Bank SULUT bekerja sama dengan lembaga pendidikan

cooperation with education agency held several training

mengadakan berbagai pelatihan antara lain dengan topik:

with topics, as follows:

a. Project Management

a. Project Management

b. ITL

b. ITL

c. Database Oracle

c. Oracle Database

6. Menyiapkan infrastruktur untuk mendukung rencana implementasi system BI-RTGS/SSSS generasi II

88



6. Preparing infrastructure to support BI – RTGS/SSSS 2nd Generation System implementation plan.





7. Kegiatan rutin yang menjadi agenda tahunan dalam

7. Periodic activity as annual agenda in ensuring DRC

memastikan berfungsinya infrastruktur DRC pada saat

infrastructure function when needed, IT Division held DRC

dibutuhkan, divisi IT melaksanakan kegiatan pengujian DRC

trial activity by transferring data center activity to DRC

dengan mengalihkan kegiatan data center ke lokasi DRC.

location.

8. Dalam menunjang kegiatan operasional Teknologi dan

8. In supporting Information and Technology operational

Informasi, tenaga IT juga diberikan bekal pengetahuan di

activity, IT officer was also provided with IT knowledge

bidang IT melalui program pendidikan dan latihan baik

through education and training program both managerial

managerial maupun teknis.

and technical.

9. Adanya perubahan kebijakan dan organisasi serta

9. Changing policy and organization as well as technology

perkembangan teknologi, menuntu adanya penyesuaian

trend, pursuing adjustment of current IT manual and

terhadap pedoman dan standar operasional IT yang ada.

operational standard.

Untuk menyelenggarakan penyempurnaan serta program

To perform working program and activity improvement of

dan aktivitas kerja Divisi IT dan Elektronik Banking selama

Information Technology Division, in 2013, Bank Sulut allocated

tahun 2013, Perusahaan mengalokasikan anggaran untuk

communication and contact center budget to Rp2,155,819,285,

biaya jaringan komunikasi dan contact centre sebesar

IT lease expense (corebanking, switching, DRC, ATM Bersama,

Rp2.155.819.285 sedangkan untuk biaya sewa IT (corebanking,

Mobile Banking, BPDnet) to Rp5,164,726,107.

switching, drc, atm bersama, mobile banking, bpd net) sebesar Rp5.164.726.107

Audit dan Tata Kelola TI

IT Audit and Governance

Implementasi Teknologi Informasi di Bank SULUT senantiasa

Information Technology implementation in Bank Sulut is

didasarkan pada kepatuhan terhadap prinsip Tata Kelola

always referring to compliance towards Good Corporate

Perusahaan yang Baik (GCG). Melalui pengembangan dan

Governance (GCG) principles. Through series of IT application

penyempurnaan rangkaian aplikasi dan sistem TI, Bank SULUT

and system development and improvement, Bank Sulut seeks

berupaya untuk menghadirkan kegiatan usaha dan operasional

to bring transparent, accountable and responsible business

yang transparan, akuntabel dan dapat dipertanggungjawabkan

and operational activities to all shareholders and stakeholders.

kepada seluruh pemegang saham dan pemangku kepentingan. Sebagai bagian untuk menyempurnakan Tata Kelola IT

As a part of IT Governance improvement, Bank Sulut plans

Perusahaan, Bank SULUT merencanakan untuk mengadakan

to carry Information Technology Audit in cooperation with

Audit Teknologi Informasi melalui kerjasama dengan Auditor IT

independent IT Auditor.

yang independen.


89




Analisa dan Pembahasan Manajemen Management's Discussion and Analysis Gambaran Umum Makro Ekonomi Indonesia Tahun 2013 Indonesian Macroeconomic Outlook 2013

91

Tinjauan Kinerja per Segmen Usaha Performance Review per Business Segment

96

Tinjauan Kinerja Keuangan Financial Review

90

103

Aset Asset

112

Liabilitas Liabilities

115

Ekuitas Equity

118

Rasio-rasio Keuangan Financial Ratios

124

Perbandingan Antara Target Awal Tahun Buku dengan Realisasi Tahun 2013 dan Proyeksi Tahun 2014 Comparison between Target at the beginning of fiscal year with Realization of 2013 and Projection of 2014

129

Informasi dan Fakta Material Setelah Tanggal Laporan Akuntan Subsequent Information and Material fact After Accounting Reporting Date

130

Prospek 2014 Prospect 2014

134

Aspek Pemasaran Marketing Aspect

135

Kebijakan Dividen & Kronologi & Kronologi Pembayaran Dividen Dividend Policy & Chronology of Dividend Distribution

136

Program Kepemilikan Saham oleh Karyawan dan/atau Manajemen yang Dilaksanakan Perusahaan (ESOP/MSOP) Employee Shares Ownership Program/ Management Shareownership Program

136

Rencana dan Realisasi Penggunaan Dana Obligasi Bonds Proceeds Plan and Realization

137

Informasi Material Mengenai Investasi, Ekspansi, Divestasi, penggabungan/ Peleburan Usaha, Akuisisi atau Restukturisasi Utang/Modal Material Information Related with Investment, Expansion, Divestment, Business Merger, Debt/Structure Restructuring

137

Kontribusi Kepada negara Contribution to State

141







Di tengah lambatnya pertumbuhan ekonomi makro, strategi bisnis yang diupayakan Bank SULUT terbukti berhasil meningkatkan laba bersih Perusahaan sebesar 30,35%. "Amidst macroeconomy deceleration, business strategy attempted by Bank Sulut is proven succeed in accelerating Net Income by 30.35%."


91





Gambaran Umum Makro Ekonomi Indonesia Tahun 2013 Indonesian Macroeconomic Outlook 2013

Tahun 2013 menjadi tahun yang penuh tantangan bagi perekonomian Indonesia. Bila pada tahun 2012 PDB Indonesia mampu tumbuh cukup baik hingga 6,2%, maka pada tahun 2013 melambat, terlihat dari pertumbuhan PDB yang hanya sebesar 5,8%. 2013 became a challenging year for Indonesian economic. In 2012, GDP of Indonesia posted acceptable growth to 6.2%, in 2013 was decelerated, indicated from GDP growth which was only by 5.8%.

Melambatnya pertumbuhan ekonomi Indonesia ini disebabkan

Weaking of Indonesian economic growth is due to several

oleh berbagai faktor. Inflasi tinggi sebagai dampak dari kenaikan

factors. High inflation as an impact of subsidized oil fuel price

harga BBM bersubsidi sebesar 33,3% yang terjadi menjelang

rising approaching Ramadhan in June, increasing provincial/

Ramadhan di bulan Juni, kenaikan upah minimum provinsi/

city minimu wage in 2013 average of 18.3% and progressive

kota tahun 2013 sebesar rata-rata 18,3%, serta kenaikan tarif

rising of base electricity tariff by 15% as a triggering factor.

dasar listrik (TDL) secara bertahap sebesar 15% merupakan

Indonesian economy in 2013 was bearing an impact of not-

beberapa faktor pemicu utama di samping. Perekonomian

recovered global economy. The condition was worsened by

Indonesia Tahun 2013 masih belum pulihnya ekonomi global.

depreciation of Rupiah due to financial instrument tapering-off

Kondisi ini diperburuk dengan pelemahan mata uang Rupiah

of United States which will be issued by Central Bank of United

akibat isu tapering-off stimulus keuangan Amerika Serikat yang

States since May 2013.

wacananya telah dihembuskan oleh Bank Sentral Amerika sejak bulan Mei 2013.

92






Namun demikian, perlu diakui bahwa perlambatan ekonomi

Thus, it shall be admitted that economic deceleration which

yang dialami Indonesia saat ini merupakan cerminan dari

was experienced by Indonesia currently as a reflection of

permasalahan struktural ekonomi yang lebih mendasar, salah

principal economic structural problem, one of the factor is

satunya adalah ekspor Indonesia yang hingga kini masih

Indonesian export which currently still relies on raw material

mengandalkan komoditas barang mentah sehingga sangat

commodity and very fragile against global price volatility. On

rentan terhadap volatilitas harga global. Di lain pihak, impor

the other hand, improt is estiamted to remain stronger in line

cenderung akan tetap kuat seiring dengan meningkatnya

with improving public welfare and demand of oil and as. As the

kesejahteraan masyarakat dan kebutuhan migas. Akibatnya,

impact, throughout 2013, Indonesian current balance sheet

sepanjang 2013 defisit neraca transaksi berjalan Indonesia

deficit widened to reach the top of 4.4% from GDP in 2nd

melebar hingga sempat mencapai tertinggi 4,4% dari PDB di

Quarter, triggered by import slowing down. As of December

Triwulan II, dipicu oleh pelemahan ekspor yang jauh lebih tinggi

2013, value of Indonesian export was booked of USD182.57

dibandingkan dengan pelemahan impor. Hingga Desember

billion or decreased by 3.92% from same period in 2012, while,

2013, nilai ekspor Indonesia tercatat sebesar USD182,57 miliar

import booked of USD186.63 billion or lower by 2.64%.

atau turun 3,92% dari periode yang sama tahun 2012, sementara impor mencapai USD186,63 miliar atau turun sebesar 2,64%. Dari sisi moneter pun terkena dampak dari defisit yang melebar

From monetary aspect, was also affected by widening deficit

ini yaitu mata uang Rupiah menjadi sangat rentan terhadap

of Rupiah fragility towards external turmoil and that reserves

goncangan eksternal dan cadangan devisa Indonesia mudah

of Indonesian foreign exchange was easily eroded. Throughout

tergerus. Sepanjang 2013, Rupiah mengalami pergerakan yang

2013, Rupiah shifted very volatile where was closed at Rp12,189

sangat volatile dimana Rupiah ditutup pada angka Rp12.189

per United States Dollar level, while, as end of 2012 was booked

per Dolar Amerika setelah pada akhir tahun 2012 tercatat

of RP9,685 per US ollar or depreciated by 25.9%. On the other

pada Rp9.685 per Dolar Amerika, atau dengan kata lain telah

hand, reserves of foreign exchange as end of 2013 was booked

terdepresiasi sebesar 25,9%. Sementara itu, cadangan devisa

of USD99.387 billion, decreased from position of USD112.781

pada akhir tahun 2013 tercatat sebesar USD99,387 miliar, turun

billion which was posted at the end of 2012.

dari posisi USD112,781 miliar yang tercatat di akhir 2012. Dengan kondisi yang semakin tertekan, inflasi Indonesia di

Within more pressurized condition, inflation of Indonesia in

tahun 2013 melambung mencapai angka 8,38%, jauh lebih

2013 soared to 8.38%, higher compared with inflation in 2012

tinggi dibandingkan dengan inflasi tahun 2012 yang hanya

which was booked only of 4.30%. As an anticipation of higher

sebesar 4,30%. Sebagai antisipasi terhadap lonjakan angka

inflation rate, during 2013, Bank Indonesia has raised BI Rate

inflasi yang lebih tinggi lagi, Bank Indonesia sepanjang 2013

of 175 bps gradually since June 2013 from 5.75% to 7.50%

telah menaikkan suku bunga BI Rate sebesar 175 bps secara

which was controlled to end of the year. Moreover, to assure

bertahap sejak bulan Juni 2013 dari 5,75% menjadi 7,50%

banking soundness amidst less conducive economic condition,

yang dipertahankan hingga akhir tahun. Tidak berhenti sampai

Bank Indonesia has also issued several policies with significant

disitu, untuk memastikan kesehatan perbankan di tengah

impacts towards Indonesian Banking development, namely by

kondisi ekonomi yang kurang kondusif ini, Bank Indonesia

gradually increasing secondary Minimum Statutory Reserves

juga telah mengeluarkan berbagai kebijakan yang dampaknya

from 2.5% to 4%, decreasing limit of Loan to Deposit ratio from

cukup signifikan bagi perkembangan perbankan Indonesia,

100% to 92%, increasing Loan to Value for Mortgage of indent

diantaranya menaikkan Giro Wajib Minimum (GWM) sekunder

or non-established housing.

secara bertahap dari 2,5% menjadi 4%, menurunkan batas atas rasio pinjaman terhadap jumlah simpanan/Loan to Deposit Ratio (LDR) dari 100% menjadi 92%, peningkatan nilai Loan to Value (LTV) untuk kredit kepemilikan rumah (KPR), serta larangan pemberian KPR untuk rumah inden atau belum terbangun.


93





Secara regional Perekonomian Sulawesi Utara sepanjang

Regionally, Sulawesi Utara economic throughout 2013 also

tahun 2013 ikut mengalami perlambatan akibat perekonomian

decelerated as the impact of decreasing national economy.

nasional yang turun. Namun kinerja perbankan Sulawesi

Thus, banking performance in Sulawesi Utara was generally

Utara secara umum masih menunjukkan perkembangan

booked acceptable growth, as reflected from expanding

yang baik, sebagaimana tercermin dari masih bertumbuhnya

banking intermediary function and controlled credit risk. While,

fungsi intermediasi perbankan serta terjaganya risiko kredit.

regional economy was still supported by banking sector, and,

Disamping itu, perekonomian regional masih ditopang

therfore, amidst national economic deceleration, banking

oleh sektor perbankan oleh karena itu ditengah terjadinya

sector still contributed progressive growth on regional level.

perlambatan ekonomi nasional, sektor perbankan masih menyumbang pertumbuhan yang baik secara regional.

Kondisi Industri Perbankan Indonesia

Indonesian Banking Industry Trend

Dengan kondisi perekonomian yang tengah melambat sejak

In the midst of weakening economic condition in 2013,

pertengahan tahun 2013, kinerja sektor perbankan masih

performance of banking sector still delivered solid result.

menunjukkan hasil yang cukup solid. Pertumbuhan kredit

Growth of banking sector loan as November 2013 reached to

sektor perbankan hingga November 2013 masih mencapai

22.2$, as well as third party fund which grew by 13.8% (YoY),

22,2%, demikian juga dana pihak ketiga mampu tumbuh

that LDR reached to 90.0%. Though growth rate of loan and

hingga 13,8% (YoY), sehingga rasio LDR tercatat 90,0%.

third party fund was slightly lower from 2012 which booked

Walaupun laju pertumbuhan kredit dan dana pihak ketiga

loan growth to 23.0% to end of the year and third party fund

ini sedikit menurun dibandingkan dengan tahun 2012 yang

by 15.8%, thus, the performance was still perceived acceptable.

mencatat pertumbuhan kredit hingga akhir tahun sebesar

The loan growth was also accompanied by controlled gross

23,0% dan dana pihak ketiga sebesar 15,8%, namun kinerja ini

NPL ratio at low level of 1.9%>.

masih cukup menggembirakan. Apalagi pertumbuhan kredit tersebut juga diimbangi dengan angka NPL bruto yang masih terjaga di level yang rendah 1,9%.

94

Begitu pula dalam hal profitabilitas sektor perbankan seperti

Similarly with profitability of banking sector as reflected from

yang tercermin pada angka Return on Assets (ROA) yang

Return on Assets (ROA) ratio which was conrolled on 3.1%

terjaga pada level 3,1%, sementara akibat kenaikan suku

level, while, as the impact of increasing interst rate, Net Interest

bunga, Net Interest Margin (NIM) sedikit melemah ke level 4,9%

Margin (NIM) was slightly dropped to 4.9% level, from position

dibandingkan posisi akhir tahun 2012 yang sebesar 5,5%.

as end of 2012 5.5%.

Penyaluran Kredit Per Sektor Ekonomi

Loan Disbursement per Economy Sector

Total kredit yang disalurkan oleh Bank SULUT di tahun 2013

Loan which was disbursed based on Economy Sector. Total

meningkat 20,95% menjadi Rp5,68 triliun dibandingkan tahun

Loan disbursed by Bank Sulut after reduced by allowance for

2012 yang berjumlah sebesar Rp4,69 triliun. Bank SULUT

impairment losses in 2013 increased by 20.29% to Rp5.65 trillion

menyalurkan kredit ke berbagai sektor ekonomi dalam mata

from 2012 which was Rp4.66 trillion. Bank Sulut disbursed loan

uang rupiah.

to various economy sector in Rupiah.






dalam rupiah

in rupiah Sektor Ekonomi Economy Sector

2013

2012

2011

Konsumtif Consumer

5,463,669,117,822

3,756,730,422,283

2,132,776,892,321

Perikanan Fisheries

3,933,629,179

102,575,803,495

Pertanian Agriculture

9,147,396,745

43,849,236,952

236,936,389,917

Pertambangan Mining

2,136,181,453

2,089,768,723

4,481,082,821

59,303,639,164

23,156,473,233

38,874,833,587

507,094,010

18,923,399,452

1,892,200,008

5,792,101,393

23,760,073,741

14,848,047,286

Perdangangan Trading

109,350,660,687

511,631,275,570

719,419,965,736

Pengangkutan Transportation

969,883,033

67,618,565,813

105,294,263,940

15,074,290,409

31,621,453,492

156,034,493,917

7,267,916,624

111,832,368,780

82,832,595,807

5,677,151,910,518

4,693,788,841,534

3,595,181,669,135

-22,819,445,110

-31,868,025,937

-69,799,387,356

5,654,332,465,409

4,661,920,815,597

3,525,382,281,779

Industri Industry Listrik dan Air Electricity and Water Konstruksi Construction

Jasa-Jasa Dunia Usaha Business Services Jasa-Jasa Sosial Kemasyarakatan Public Services Jumlah kredit yang diberikan Total Loan Disbursed Cadangan Kerugian Penurunan Nilai (CKPN) Allowance for Impairment Losses Kredit (setelah dikurangi CKPN) Loan (after impairment losses)

Dilihat dari komposisi tersebut, sektor konsumtif di tahun

Considering from the composition, consumer sector in 2013

2013 masih menjadi sektor prioritas penyaluran kredit yang

still became loan disbursement priority sector whcih reached to

mencapai 96,64%, pertumbuhan konsumtif YOY 20,54% dari

96.24% from total loan disbursement or by 45.44% from Rp3.76

4,55 triliun 2012 menjadi 5,49 triliun. Selain sektor konsumsi,

trillion in 2012 to Rp5.46 trillion in 2013. Beside on consumer

sektor perdagangan juga menjadi salah satu fokus Bank SULUT

sector, trading sector also became a focus of Bank Sulut in

dalam menyalurkan kredit dengan komposisi mencapai 1,93%

disbursing Loan with composition to 1.93% from total Bank

dari keseluruhan penyaluran kredit Bank SULUT di tahun 2013

Sulut’s loan disbursement in 2013 or Rp109.35 billion. Bank

atau mencapai Rp109,35 miliar. Bank SULUT sebagai agen

Sulut as a regional development agent which supports regional

pembangunan daerah yang mendukung pembangunan

economy development through infrastructure development

perekonomian daerah melalui pembangunan infrastruktur

by disbursing loan to construction sector to partner contractor

dengan menyalurkan kredit sektor konstruksi kepada kontraktor

of Sulawesi Utara Provincial Government.

rekanan Pemprov Sulawesi Utara.


95





Tinjauan Kinerja per Segmen Usaha

Performance Review per Business Segment

Bank SULUT menyediakan berbagai produk dan jasa untuk

Bank Sulut provides various products and services to fulfill

memenuhi kebutuhan nasabah, meliputi saving product, credit

demand of the customers, including saving product, credit

services dan bond yang terbagi menjadi segmen consumer,

services and bonds which are divided into consumer segment,

small business dan corporate yaitu :

small business segment and corporate segment:

1. Produk Simpanan, antara lain Tabungan, Deposito dan Giro

1. Saving product, namely Simpeda Saving, Time Deposit and Current Accounts.

2. Kredit, antara lain Kredit Modal Kerja (Working Capital Loan),

2. Credit, namely Working Capital Loan, Investment Loan,

Kredit Investasi (Investment Loan), Kredit Usaha Kecil (Small

Small Business Loan, Checking Account, Current Account

Business Loan), Pinjaman Rekening Koran (Current Account

Loan, Employee with Fixed Salary Loan, Mortgage, Micro

Loan), Kredit Pegawai (Employee With Fixed Salary Loan),

Loan.

Kredit Pemilikan Rumah (KPR) (House Ownership Loan), Kredit Usaha Rakyat (KUR). 3. Obligasi yaitu Obligasi Bank SULUT IV Tahun 2010 dengan

3. Bonds, which is Bonds Bank Sulut IV of 2010 with Fixed

tingkat bunga tetap dan Obligasi Subordinasi Bank SULUT I

Interest Rate and Bonds Subordinated Bank Sulut I of 2010

Tahun 2010 dengan tingkat bunga tetap.

with Fixed Rate.

4. Jasa dan layanan, antara lain Automatic Teller Machine

4. Services, namely Automatic Teller Machine (ATM), SMS

(ATM), SMS Banking, Bank Indenesia Real Time Gross

Banking, Bank Indonesia Real Time Gross Settlement (BI

Settlement (BI-RTGS), Bank Indonesia Scripless Securities

RTGS), Bank Indonesia Scripless Securities Settlement (BI –

Settlement (BI-SSS), Modul Penerimaan Negara (MPN),

SSS), State Revenue Modul, Money Remittance, Safe Deposit

Kiriman Uang / Money Transfer, Safe Deposit Box dan Bank

Box and Guarantee Bank.

Guarantee.

Segmen Layanan Perbankan Banking Service Segment of Bank SULUT Bank Sulut

96

Perbankan Konsumer

Consumer Banking

Perbankan Konsumer Bank SULUT memfokuskan pada

Consumer Banking in Bank Sulut focuses in providing products

penyediaan produk dan layanan secara cepat, ramah dan

and services in fat, friendly and professional manners. Through

profesional. Melalui aktivitas tersebut, berbagai pencapaian

the activities, several significant achievements were realized

penting selama tahun 2013 berhasil diraih. Adapun produk

in 2013. Consumer banking product and service of Bank

dan layanan perbankan konsumer (consumer banking) di Bank

Sulut for fund disbursement consists of Consumer Loan,

SULUT untuk penyaluran dana terdiri dari Kredit Konsumtif,

Investment Loan, Working Capital Loan, Checking Account,

Kredit Investasi, Kredit Modal Kerja, Pinjaman Rekening Koran,

Wokring Small Enterprise Loan, Investment Small Enterprise

Kredit Usaha Kecil (KUK) Modal Kerja, Kredit Usaha Kecil (KUK)

Loan and Mortgage. While, on fund collecting segment of

Investasi dan Kredit Perumahan Rakyat (KPR). Sedangkan pada

consumer banking is including savings, current accounts and






penghimpunan dana pada perbankan konsumer mencakup

time deposits. In 2013, banking competiiton in offering its fund

tabungan, giro, dan deposito. Pada tahun 2013, persaingan

products either savings, current accoutns or time deposits are

perbankan dalam menawarkan produk dananya baik itu

higher. Besides, the products which are offered alo vary in line

tabungan, giro, maupun deposito terasa semakin ketat. Selain

with increasing customers demand in carrying various financial

itu produk yang ditawarkan juga semakin beragam seiring

transactions and variety of interest rate offered by banking.

dengan meningkatnya kebutuhan nasabah dalam melakukan berbagai macam transaksi keuangan serta variasi tingkat suku bunga yang ditawarkan perbankan. Saving

Saving

Tabungan Bank SULUT terbagi atas:

Saving of Bank Sulut consists of

a. Simpeda adalah produk tabungan Bank Pembangunan

a. Simpeda, a saving product of Indonesia Regional

Daerah (BPD) seluruh Indonesia. Adapun keunggalan

Development Bank. Excellence of Simpeda Bank Sulut are

Simpeda Bank SULUT adalah :

including:

• Aman, karena Bank SULUT adalah bank daerah dengan

• Secure, Bank Sulut is a regional bank with the majority shareholders are Sulawesi Utara Provincial Gorvernment and Regent/City Government in Sulawesi Utara and Gorontalo Provinces.

komposisi pemegang saham terbesar adalah Pemerintah Propinsi Sulawesi Utara dan Pemerintah Kabupaten/Kota yang ada di Propinsi Sulawesi Utara dan Gorontalo; • Bunga harian;

• Daily Interest Rate; • Competitive Interest Rate; • Interest Rate:

• Tingkat suku bunga bersaing; • Tingkat suku bunga : Saldo balance

Suku Bunga

interest rate

Rp0 s/d Rp250.000,-

0,50% (nol koma lima nol persen) p.a

0,50% (zero point five zero percent) p.a

Rp250.001,- s/d Rp1.000.000,-

2,50% (dua koma lima nol persen) p.a

2,50% (two point five zero percent) p.a

Rp1000.001,- s/d Rp50.000.000,-

3,50% (tiga koma lima nol persen) p.a

3,50% (three point five zero percent) p.a

Rp50.000.001,- s/d Rp1.000.000.000,-

4,50% (empat koma lima nol persen) p.a

4,50% (four point five zero percent) p.a

> Rp1.000.000.000,-

5,00% (lima koma nol nol persen) p.a

5,00% (five point zero zero percent) p.a

Strategi Pemasaran dan Pelayanan

Marketing and Service Strategy

 On line system, yaitu terkoneksi dengan seluruh jaringan

 On line system, that is connected with Bank Sulut’s office

kantor Bank SULUT dan seluruh Bank Pembangunan

network and every Regional Development Bank all over

Daerah yang ada di seluruh Indonesia sehingga

Indonesia to provide access to all customers to perform

memudahkan Nasabah untuk melakukan transaksi

cash saving and withdrawal transactions.

penyetoran dan penarikan secara tunai;  Dilengkapi dengan fasilitas kartu ATM sehingga mudah

 Supported by ATM card facility to simplify banking

melakukan transaksi perbankan melalui mesin ATM

transaction through Bank Sulut’s ATM, ATM Machine with

Bank SULUT, mesin ATM yang berlogo ATM Bersama dan

ATM Bersama and Bankcard logos.

Bankcard;  Dilengkapi dengan fasilitas SMS Banking yang dapat

 Supported by SMS Banking facility that can be accessed

diakses dari operator telepon seluler Telkomsel dan

through Telkomsel and Indosat cellular telephone operator

Indosat melalui nomor 3654;

through 3654 number.


97





 Berhadiah lokal yang diundi 2 kali setahun, dimana untuk

 Local prize withdrawed twice a year, where for every

setiap kelipatan saldo Rp10.000,- berhak memperoleh

balance of Rp10.000 or its multiplicity obtained 1 lottery

1 nomor undian untuk diikutsertakan pada penarikan

to be participated on Bank Sulut Simpeda Enjoy lottery

undian Simpeda Enjoy Bank SULUT;

withdrawal.

 Berhadiah nasional dengan total hadiah lebih dari Rp1

 National prize with total prize more than Rp1 billion.

miliar.  Untuk pembukaan rekening sangat mudah yaitu mengisi

 Easy account opening by filling saving balance opening

formulir permohonan pembukaan rekening tabungan

application form attached with copy of current identity card

dengan melampirkan fotocopy tanda pengenal yang

and initial saving of Rp100.000 and next saving minimum

masih berlaku dan setoran awal Rp100.000,-. Setoran

Rp10.000

selanjutnya minimal Rp10.000,-

b. Tabrades adalah produk tabungan Bank SULUT yang

b. Tabrades is Bank Sulut’s saving product that is focused for

difokuskan untuk penabung masyarakat pedesaan. Adapun

rural society savers. The excellences of this product, as

keunggulan dari produk ini adalah :

follows:


- Secure, because Bank Sulut is regional bank with majority shareholders are Provincial Government of Sulawesi Utara and Regent Government at Sulawesi Utara and Gorontalo;

komposisi pemegang saham terbesar adalah Pemerintah Propinsi Sulawesi Utara dan Pemerintah Kabupaten/Kota yang ada di Propinsi Sulawesi Utara dan Gorontalo; • Bunga harian;

- Daily Interest Rate; - Competitive Interest Rate; - Interest Rate:

• Tingkat suku bunga bersaing; • Tingkat suku bunga: Saldo balance

Suku Bunga

interest rate

Rp0 s/d Rp250.000,-

0,50% (nol koma lima nol persen) p.a

0,50% (zero point five zero percent) p.a

Rp250.001,- s/d Rp1.000.000,-

2,50% (dua koma lima nol persen) p.a

2,50% (two point five zero percent) p.a

Rp1000.001,- s/d Rp50.000.000,-

3,50% (tiga koma lima nol persen) p.a

3,50% (three point five zero percent) p.a

Rp50.000.001,- s/d Rp1.000.000.000,-

4,50% (empat koma lima nol persen) p.a

4,50% (four point five zero percent) p.a

> Rp1.000.000.000,-

5,0 (lima koma nol persen) p.a

Strategi Pemasaran dan Pelayanan  On line system, yaitu terkoneksi dengan seluruh jaringan kantor Bank SULUT sehingga memudahkan Nasabah untuk melakukan transaksi penyetoran dan penarikan secara tunai disemua kantor cabang Bank

5,0 (five point zero percent) p.a

Marketing and Service Strategy  On line system, that is connected to all Bank Sulut’s ofice network to simplify customers in performing cash saving and withdrawal transactions at every Bank Sulut’s branch offices.

SULUT;  Untuk pembukaan rekening sangat mudah yaitu mengisi formulir permohonan permbukaan rekening tabungan dengan melampirkan fotocopy tanda pengenal yang masih berlaku dan setoran awal Rp100.000,- Setoran selanjutnya minimal Rp10.000,-

98


 Easy account opening by filling saving balance opening application form attached with copy of current identity card and initial saving of Rp100.000 and next saving minimum Rp10.000





c. Tabanas PNS adalah produk tabungan Bank SULUT hasil

c. Tabanas PNS i Bank Sulut’s saving product as a modification

modifikasi dari tabungan gaji pegawai untuk Pegawai

of employees salary saving for Public Servant (PNS) at

Negeri Sipil (PNS) di jajaran ruang lingkup Pemerintah

Sulawesi Utara and Gorontalo Provincial Government

Daerah Propinsi Sulawesi Utara dan Gorontalo.

working scope.

d. TabunganKu adalah tabungan untuk perorangan dengan

d. TabunganKu is individual saving with easy and light

persyaratan mudah dan ringan yang diterbitkan secara

requirement jointly published by several banks in Indonesia

bersama oleh bank-bank di Indonesia guna menumbuhkan

to establish saving culture and improving society’s welfare.

budaya menabung serta meningkatkan kesejahteraan masyarakat. e. Tabungan Bunaken adalah persembahan khusus bagi

e. Tabungan Bunaken is a special dedication for the customers

nasabah dan calon nasabah dengan bunga yang menarik

and prospective customers with competitive interest rate

dan fitur menarik lainnya. Keistimewaan Tabungan Bunaken:

and other interesting features. Speciality of Bunaken Saving:

aman dengan jaminan LPS, suku bunga bersaing, diberikan

secure under LPS protection, competitive interest rate, point

fasilitas point reward, berhadiah undian yang menarik,

reward facility, attractive prize lottery and other interesting

dilengkapi fitur dan fasilitas menarik lainnya.

features and facilities.

Deposito

Time Deposit

Adalah produk dana Bank SULUT yang bertujuan untuk

Refers to a funding product of Bank Sulut that is aimed to

menghimpun dana masyarakat untuk dikelola secara

collect public fund and professionally managed with various

profesional dengan jangka waktu pencairan tersedia dalam

time of maturity that are 1, 3, 6 and 12 months. The excellences

beberapa pilihan yaitu 1, 3, 6, dan 12 bulan. Adapun keunggulan

of Bank Sulut’s time deposit:

Deposito Bank SULUT : • Aman, karena Bank SULUT adalah bank daerah dengan

- Secure, because Bank Sulut is regional bank with majority

komposisi pemegang saham terbesar adalah Pemerintah

shareholders are Provincial Government of Sulawesi Utara

Propinsi Sulawesi Utara dan Pemerintah Kabupaten/Kota

and Regent Government at Sulawesi Utara and Gorontalo;

yang ada di Propinsi Sulawesi Utara dan Gorontalo; • Tingkat suku bunga bersaing;

- Competitive Interest Rate;

• Untuk pembukaan rekening :

- For account opening:

1. Untuk Nasabah perorangan yaitu :  Mengisi formulir aplikasi permohonan pembukaan

1. For individual customers:  filling Time Deposit opening application form.

rekening Deposito;  Melampirkan fotocopy tanda pengenal yang masih

 Attaching copy of current identity card.

berlaku;  Setoran dana awal yang akan ditempatkan dalam bentuk deposito minimal sebesar Rp1.000.000,2. Untuk Nasabah perusahaan yaitu :  Mengisi formulir aplikasi permohonan pembukaan

 First saving of fund placement as time deposit minimum Rp1.000.000 2. For Corporate Customers:  filling Time Deposit opening application form;

rekening Giro  Melampirkan fotocopy tanda pengenal yang masih berlaku;  Fotocopy NPWP  Fotocopy Ijin perusahaan (TDP, SIUP, Akta Pendirian)  Setoran dana awal yang akan ditempatkan dalam bentuk tabungan minimal sebesar Rp1.000.000,-

 Attaching copy of current identity card;  Copy of NPWP;  Copy of Corporate Legal Documents (TDP, SIUP, Establishment Deed);  First saving of fund placement as time deposit minimum Rp1.000.000


99





Giro

Current Accounts

Adalah produk dana Bank SULUT yang bertujuan untuk

Refers to a fund product of Bank Sulut that is aimed to collect

menghimpun dana masyarakat untuk dikelola secara

society’s fund to be professionally managed. The excellences of

profesional. Adapun keunggalan Giro Bank SULUT adalah:

Bank Sulut’s Current Accounts, as follows:


- Secure, because Bank Sulut is regional bank with majority

komposisi pemegang saham terbesar adalah Pemerintah

shareholders are Provincial Government of Sulawesi Utara

Propinsi Sulawesi Utara dan Pemerintah Kabupaten/Kota

and Regent Government at Sulawesi Utara and Gorontalo;

yang ada di Propinsi Sulawesi Utara dan Gorontalo; • Bunga harian berdasarkan saldo terendah;

- Daily interes rate based on lowest balance;

• Tingkat suku bunga bersaing; • Tingkat suku bunga 3%;

- Competitive Interest Rate; - 3% Interest Rate;

• On line system, yaitu terkoneksi dengan seluruh jaringan

- On line system, that is connected to all Bank Sulut’s ofice

kantor Bank SULUT sehingga memudahkan Nasabah untuk

network to simplify customers in performing cash saving and

melakukan transaksi penyetoran dan penarikan secara tunai; • Untuk pembukaan rekening : 1. Untuk Nasabah perorangan yaitu :  Mengisi formulir aplikasi permohonan pembukaan

withdrawal transactions at every Bank Sulut’s branch offices. - For account opening: 1. For individual customers:  filling Current Account opening application form.

rekening Giro;  Melampirkan fotocopy tanda pengenal yang masih

 Attaching copy of current identity card.

berlaku;  Setoran dana awal yang akan ditempatkan dalam bentuk giro minimal sebesar Rp1.000.000,2. Untuk Nasabah perusahaan yaitu :  Mengisi formulir aplikasi permohonan pembukaan

 First saving of fund placement as current account minimum Rp1.000.000 2. For Corporate Customers:  filling current account opening application form;

rekening Giro  Melampirkan fotocopy tanda pengenal yang masih berlaku;  Fotocopy NPWP  Fotocopy Ijin perusahaan (TDP, SIUP, Akta Pendirian)  Setoran dana awal yang akan ditempatkan dalam bentuk giro minimal sebesar Rp1.000.000,-

 Copy of Corporate Legal Documents (TDP, SIUP, Establishment Deed);  First saving of fund placement as current account minimum Rp1.000.000

Perbankan Komersial dan Korporasi

Commercial and Coporate Banking

Selama tahun 2013, Perbankan Komersial dan Korporasi telah

In 2013, Commercial and Corporate Banking has been

berupaya untuk meningkatkan kualitas hubungan dengan

committed to enhance relationship quality among Bank Sulut’s

para nasabah transaksional Bank SULUT. Pengembangan

transactional customers. The development of loan products

terhadap produk dan fasilitas kredit dikembangkan untuk

and facility is developed to specifically fulfilled customers’

memenuhi secara spesifik kebutuhan nasabah. Upaya ini

needs. These efforts also well-operated that the Commercial

berjalan dengan baik sehingga Perbankan Komersial mampu

Banking successfully recorded rapid loan portfolio growth.

mencatat pertumbuhan portofolio kredit yang pesat.

100

 Attaching copy of current identity card;  Copy of NPWP;






Kredit Modal Kerja

Working Capital Loan

Merupakan fasilitas untuk pembiayaan dari berbagai sektor

A facility to finance several business sector, such as construction

usaha seperti jasa konstruksi, perdagangan, industri, jasa-jasa

service, trading, industry, business services, social/community

dunia usaha, jasa-jasa sosial/masyarakat dan lain sebagainya.

and other services.

Perbankan Ritel (Mortgage & Housing)

Retail Banking

Kredit Perumahan Rakyat (KPR)

Mortgage (KPR)

Fokus kegiatan dari Grup Mortgage & Housing (GMH) dititik-

Focus of Group Mortgage & Housing (GMH) activities is

beratkan pada program Kredit Pemilikan Rumah (KPR).

concentrated on the Mortgage (KPR) program.

Perbankan UMKM

SME Banking

Kredit Usaha Kecil (KUK) Modal Kerja dan Investasi

Small Business, Capital Work and Investment Loan

Bank SULUT percaya bahwa sektor riil telah menjadi komponen

Bank Sulut is confident that real sector becomes a major part

penting dalam sistem perekonomian nasional, karena selain

in national economic system besides having cushion against

memiliki ketahanan yang baik (cushion) terhadap (cushion)

crisis turmoil, the sector also provides direct impact for public

gejolak krisis, sektor ini memberikan dampak langsung bagi

welfare. Real sector growth also bcomes an indicator of

kesejahteraan masyarakat. Pertumbuhan sektor riil juga

economic resilient and public productivitas level. Considering

menjadi salah satu indikator tingkat ketahanan ekonomi dan

the importance of such secotr, business expansion strategy of

produktivitas masyarakat. Melihat pentingnya sektor ini, maka

Bank Sulut holds primary focus to real sector particulary middle,

strategi ekspansi bisnis Bank SULUT memiliki fokus yang besar

micro and small enterprise sector. In 2013, Bank Sulut disbursed

kearah sektor riil khususnya pada segmen usaha menengah

loan to micro and small enterprise sector of Rp372.714 million

maupun usaha mikro, dan kecil serta koperasi. Pada tahun

and micro loan of Rp41.033 loan.

2013, Bank SULUT menyalurkan kredit kepada sektor usaha mikro dan kecil sebesar Rp372.714 juta Miliar serta kredit usaha rakyat Rp41.033 juta. Berdasarkan addendum kesepakatan bersama ke 4 No. 10/

Pursuant to addendum of fourth MOU No. 10/KB-K/Y/DAKAB/

KB-K/Y-DAKAB/IX/2008 tanggal 9 September 2008 antara

IX/2008 dated September 9th, 2008 between PT Bank Sulut

PT Bank SULUT dengan Yayasan Dana Abadi Karya Bakti,

with Dana Abadi Karya Bakti Foundation agreed to support

bahwa Yayasan Dana Abadi Karya Bakti sepakat mendukung

productive micro program acceleration by increasing fund with

percepatan program mikro ekonomi produktif dengan

PT Bank Sulut.

menambah dana pada PT Bank SULUT.

Obligasi

Bonds

Obligasi adalah surat utang jangka panjang yang diterbitkan

Bonds is long-term security issued by an institution with specific

oleh suatu lembaga dengan nilai nominal (nilai pari/par

nominal value (par value) and maturity. The bond issuer may

value) dan waktu jatuh tempo tertentu. Penerbit obligasi bisa

be private company, SOE or Government both central or local

perusahaan swasta, BUMN, atau pemerintah baik pemerintah

Government.

pusat maupun daerah.


101




Bank SULUT pada tahun 2010 telah mengeluarkan 2 jenis


In 2010, Bank Sulut issued 2 bonds, such as:

Obligasi yaitu: 1. Obligasi Bank SULUT IV Tahun 2010 Dengan Tingkat

1. Bank Sulut IV 2010 Bonds with Fixed Interest Rate

Bunga Tetap Nilai

sebesar

Emission value of this bonds amounting to Rp390.000.000.000

Rp390.000.000.000,- dengan Tingkat Bunga Tetap 12,00%

Emisi

dari

obligasi

ini

adalah

with 12% fixed interest rate annually within 5 years. The bond

per tahun selama 5 tahun. Tanggal Penerbitan obligasi

issuance date was April 9th, 2015. The interest payment will be

adalah 9 April 2010 sehingga akan Jatuh Tempo pada

conducted in every 3 (three) months. Referring to PT Pefindo

9 April 2015. Pembayaran Bunga setiap 3 (tiga) bulan.

rating result, this bonds obtained idA- rate (Single A minus;

Berdasarkan hasil Pemeringkatan dari PT Pefindo , obligasi

Stable Outlook). Regarding this, the trustee is PT Bank Mega Tbk.

ini mendapat rating idA- (Single A Minus; Stable Outlook). Dalam hal ini bertindak sebagai Wali Amanat yaitu PT Bank Mega Tbk. 2. Obligasi Subordinasi Bank SULUT I Tahun 2010 Dengan Tingkat Bunga Tetap

2. Bank Sulut 1 Year Subordinate Bond with Fixed Interest Rate

Nilai Emisi dari obligasi ini adalah sebesar Rp10.000.000.000,-

Emission value from this bond amounting to Rp10.000.000.00

dengan tingkat Bunga Tetap 12,20% per tahun dimana

with 12% fixed interest rate annually where the bond was

obligasi ini diterbitkan pada tanggal 9 April 2010 dan akan

issued at April 9th, 2010 and will be mature at April, 9th, 2015.

jatuh Tempo 9 April 2015. Pembayaran Bunga setiap 3 (tiga)

The interest payment will be conducted in every 3 (three)

bulan. Hasil Pemeringkatan dari PT Pefindo menyatakan

months. Referring to PT Pefindo rating result, this bonds

id BBB+ (Triple B Plus;

obtained idBBB+ (Triple B Plus; Stable Outlook). Regarding this,

bahwa rating obligasi ini adalah

Stable Outlook). bertindak sebagai wali amanat yaitu PT

the trustee is PT Bank Mega Tbk.

Bank Mega Tbk.

Perbankan Treasuri

Treasury Banking

Western Union

Western Union

Berdasarkan perjanjian kerjasama No. TRI. FON/DFI. 221/2008

Referring to cooperation agreement No. TRI. FON/DFI. 221/2008

dan 002/PKS-TRI/DIR/II/2008 tanggal 14 Maret 2008 antara

and 002/PKS-TRI/DIR/II/2008 dated March 14th, 2008 between

Bank SULUT dengan PT Bank Madiri, bahwa kedua belah

Bank Sulut and PT Bank Mandiri, that both parties are agreed to

pihak sepakat menggunakan jasa tranfer uang Western Union

utilize Western Union remittance service to achieve optimum

untuk tercapainya pelayanan yang optimal kepada nasabah.

service for the customers. The cooperation will end 2 years after

Berakhirnya kerjasama 2 tahun setelah ditandatangani

the cooperation signing

perjanjian.

102






Tinjauan Kinerja Keuangan

Financial Review

Selama tahun 2013, Bank SULUT telah berhasil meningkatkan

Throughout 2013, Bank Sulut succeeded in boosting financial

kinerja keuangan dimana total asset tercatat sebesar

performance where total assets booked of Rp7,805,462 million

Rp7.805.462 juta dengan pertumbuhan sebesar 19,19%

with growth of 19.19% from 2012 of Rp6,548,587 million. On the

dibandingkan dengan tahun 2012 sebesar Rp6.548.587 juta.

other hand, net income in 2013 reached to Rp181,433 million,

Disamping itu, laba bersih setelah pajak tahun 2013 mencapai

increased by 30.35% from 2012 reached to Rp139,191 million.

Rp181.433 juta, meningkat 30,35% dibandingkan tahun 2012 yang mencapai Rp139.191 juta.

Laba (Rugi)

Income (Loss)

Strategi bisnis yang diupayakan Bank SULUT terbukti berhasil

Business strategy which is attempted by Bank Sulut is proven

meningkatkan kinerja entitas. Dari sisi keuangan, Perusahaan

improving the entity performance. From financial side, the

berhasil membukukan pertumbuhan laba bersih tahun

Company still booked profit year growth which also posted

berjalan yang sekaligus tercatat sebagai laba bersih setelah

as Net income by 30.35% to Rp181,433 million from 2012

pajak sebesar 30,35% menjadi Rp181.433 juta dibandingkan

of Rp139,191 million. Income before income tax estimation

tahun 2012 sebesar Rp139.191 juta. Laba sebelum pajak

grew by 36.19% which was contribtued by increase in interest

meningkat 36,19% dikontribusikan oleh kenaikan pendapatan

income by 103.85% or Rp868,507 million.

bunga sebesar 103,85% atau Rp868.507 juta.

Laba Rugi (Rp juta) Comprehensive Income (Rp million) Pendapatan Bunga Interest Income

2013

2012

Selisih % Perubahan Perubahan % Growth Mismatch

2011

1.704.799

836.292

707.373

868.507

103,85%

Beban Bunga Interesst Expense

977.352

355.475

307.888

621.877

174,94%

Jumlah Pendapatan Bunga Neto Total Interest Income - Net

727.447

480.817

399.485

246.630

51,29%

Pendapatan Operasional Lainnya Income Others Operating

47.685

55.101

50.070

(7.416)

-13,46%

Cadangan Kerugian Penurunan Nilai Aset Produktif Provision for Losses Impairment on Productive Assets

(16.783)

(42.417)

-

(25.634)

-60,43%

Beban Operasional Lainnya Others Operational Expenses

502.390

369.715

335.602

132.675

35,89%

Laba Operasional Operating Income

289.525

208.620

113.953

80.905

38,78%

Laba Sebelum Taksiran Manfaat (Beban) Pajak Penghasilan Profit Before Estimated Income (Expenses) Tax

267.906

196.713

104.346

71.193

36,19%

Laba Tahun Berjalan Income For The Year

181.433

139.191

72.498

42.242

30,35%

44.461

52.647

23.667

(8.186)

-15,55%

Laba bersih per saham Earning per share


103





Pendapatan Bunga

Interest Income

Pendapatan bunga yang diterima perusahaan meningkat

Interest Income which was received by the Company increased

sebesar 103,85% menjadi Rp1.704.799 juta dari Rp836.292 juta

by 103.85% to Rp1,704,799 million from Rp836,292 million in

pada tahun 2012. Peningkatan jumlah pendapatan ini terutama

2012. Increase in total income was mainly encouraged by

didorong oleh pendapatan bunga dari obligasi pemerintah

interest income from Government’s Bonds purchased by the

yang dibeli oleh bank.

bank.

Pendapatan Bunga (Rp Juta) Interest Income (Rp million)

Selisih Perubahan Mismatch

% Perubahan % Growth

2012

2011

1.038.546

760.688

654.990

277.858

36,53%

9.189

31.256

18.365

(22.067)

-70,60%

Penempatan pada Bank lain Placement with Other Banks

27.432

16.426

28.666

11.006

67,00%

Bunga obligasi pemerintah Government’s Bonds Interest

42.744

26.771

5.352

15.973

59,67%

586.889

1.152

-

585.737

50.845,23%

1.704.800

836.293

707.373

868.507

103,85%

Kredit yang diberikan Loan Penempatan pada Bank Indonesia Placement with Bank Indonesia

Lain-lain Others Jumlah Total

2013

Komponen Pendapatan Bunga

Kredit yang Diberikan

Component of Interest Income

Loan

Kredit yang diberikan 91% Kredit yang diberikan 91% Penempatan pada Bank Indonesia 4% Placement with Bank Indonesia 4% Penempatan pada Bank lain 2% Placement with other Banks 2% Bunga Obligasi Pemerintah 3% Government’s Bonds Interest 3%

104


2013: 1.038.546 2012: 760.688 2011: 654.990





Pendapatan bunga merupakan penyumbang terbesar bagi

Interest income is a largest contribution for Bank Sulut’s

perolehan laba Bank SULUT. Pendapatan bunga tersebut

profit realization. The Interest income was acquired from

diperoleh dari hasil penyaluran kredit maupun penempatan

loan disbursement and placement with marketable securities

pada surat berharga selama tahun 2013. Secara total,

throughout 2013. Generally, interest rate (loan and investment

pendapatan bunga (bunga kredit dan bunga penempatan)

interests) in 2013 reached to Rp1,038,546 million or grew by

pada tahun 2013 mencapai Rp1.038.546 juta atau tumbuh

36.53% from 2012. Total loan disbursed provided contribution

sebesar 36,53% dibandingkan tahun 2012. Kredit yang diberikan

of 60.92% from total interest income which was booked in 2013.

memberikan kontribusi sebesar 60,92% dari total pendapatan bunga yang diperoleh di tahun 2013.

Pendapatan Bunga Penempatan Bank Indonesia

Interest Income of Placement with Bank Indonesia

Pendapatan bunga penempatan Bank Indonesia yang berasal

Interest Income of Placement with Bank Indonesia which is

dari penempatan Bank SULUT di Bank Indonesia. Sampai

acquired from Bank Sulut’s placement with Bank Indonesia.

dengan akhir tahun 2013, pendapatan bunga penempatan

As end of 2013, interest income from Placement with Bank

Bank Indonesia sebesar Rp9.189 juta atau menurun sebesar

Indonesia of Rp9,189 million or decreased by 70.60% from 2012

70,60% dari tahun 2012 sebesar Rp31.256 juta. Peningkatan

of Rp31,256 million. The growth was namely due to adjustment

tersebut antara lain disebabkan karena penyesuaian pencatatan

of calculation based on SFAS 50 and 55.

berdasarkan PSAK 50 dan 55.

Pendapatan Bunga Penempatan pada Bank Lain

Interest Income of Placement with other Banks

Pendapatan bunga dari penempatan bank lain sampai

Interest income from placement with other banks as end of

dengan akhir tahun 2013 terealisasi sebesar Rp27.432 juta atau

2013 was realized to Rp27,432 million or increased by 67% from

meningkat sebesar 67% dari tahun 2012 sebesar Rp16.426 juta.

2012 of Rp16.426 million.

Pendapatan Bunga Obligasi Pemerintah

Interest Income of Government’s Bonds

Pada tahun 2013, jumlah pendapatan yang diterima dari

In 2013, total income from Government’s Bonds significantly

obligasi pemerintah meningkat cukup signifikan yaitu sebesar

increased by 59.67% from Rp26,771 million in 2012 to

59,67% dari Rp26.771 juta di tahun 2012 menjadi Rp42.744 juta

Rp42,744 million. The growth was encouraged by additional

Peningkatan ini didorong oleh penambahan jumlah obligasi

Government’s Bonds purchased by Bank Sulut.

pemerintah yang dibeli oleh Bank SULUT.

Beban Bunga

Interest Expense

Beban bunga atas simpanan nasabah meningkat sebesar

Interest expense of customer’s deposit increased by 174.94%

174,94% dari Rp355.475 juta pada tahun 2012 menjadi

from Rp355.475 million in 2012 to Rp977,352 million in 2013.

Rp977.352 juta di tahun 2013. Hal ini terutama disebabkan oleh

This is primarily encouraged by increase in customer’s deposit

kenaikan simpanan nasabah yang berbentuk deposito. Seiring

in time deposit account. In accordance with other banking,

dengan perbankan lainnya, deposito masih mendominasi dana

time deposit still dominates public fund on banking sector.

masyarakat yang berada di sektor perbankan.


105





Beban Bunga Deposito

Interest Expense of Time Deposit

Tingkat suku bunga rata-rata Deposito pada tanggal 31

Average Time Deposit intrest rate as of December 31st, 2013

Desember 2013 dan 2012 berkisar antara 4.75%-5.25%. Selama

and 2012 was about of 4.75% - 5.25%. Throughout 2013, there

tahun 2013, terjadi peningkatan terhadap tingkat suku bunga

was an increase of time deposit interest rate. This affected time

deposito. Hal tersebut berpengaruh kepada beban bunga

deposit interest rate in 2013 which grew by 9.60% though b

deposito pada tahun 2013 yang naik 9,60% meskipun secara

compsoition still dominated of 27.27% in third party fund

komposisi masih mendominasi sebesar 27,77% terhadap beban

interest expense.

bunga dana pihak ketiga.

Beban Bunga Surat Berharga

Interest Expense of Securities

Beban bunga dari surat berharga yang diterbitkan pada

Interest Expense of marketable securities issued in 2013 booked

tahun 2013 ini mengalami peningkatan sebesar 13,49%

increased of 13.49% from previous year with composition of

dibandingkan dengan tahun sebelumnya dengan komposisi

5.25% of total interest expense. The decrease was mainly due

sebesar 5,25% terhadap total beban bunga. Penurunan ini

to repurchase of marketable securities issued by Bank Sulut.

terutama disebabkan oleh pembelian kembali surat berharga yang telah diterbitkan oleh Bank SULUT.

Beban Bunga Tabungan

Interest Expense of Savings

Beban bunga dari tabungan pada tahun 2013 ini mengalami

Interest expense from saving in 2013 booked increase of 1.36%

peningkatan 1,36% dibandingkan dengan tahun sebelumnya

from previous year with 2.22% composition of total total third

dengan komposisi sebesar 2,22% terhadap total beban bunga

party fund interest expense.

dana pihak ketiga.

Beban Bunga Giro

Interest Expense of Current Accounts

Beban bunga dari giro pada tahun 2013 ini mengalami

Interest expense from current accounts in 2013 booked increse

peningkatan sebesar 20,08% dibandingkan dengan tahun

of 20.08% from previous year with composition of 3.59% of total

sebelumnya dengan komposisi sebesar 3,59% terhadap total

third party fund interest expense. Current Accounts interest

beban bunga dana pihak ketiga. Tingkat suku bunga Giro dari

rate level in 2013 and 2012 was controlled on 0% - 2.75%.

tahun 2013 dan 2012 dipertahankan pada kisaran 0% - 2,75%.

Beban Bunga atas Pinjaman yang Diterima

Interest Expense of Borrowings

Beban bunga dari pinjaman yang diterima yang antara lain

Interest rate from Borrowings are namely from Borrowing from

berasal dari pinjaman dari PT Bank Mega, PT Permodalan

PT Bank Mega, PT Permodalan Nasional Madani and Loan from

Nasional Madani dan Pinjaman dari Pemerintah pada tahun

Government in 2013 reached to Rp11,947 million, increased

2013 sebesar Rp11.947 juta, mengalami peningkatan sebesar

by 0.39% from previous year with 1.22% composition of total

0,39% dibandingkan dengan tahun sebelumnya dengan

interest expense.

komposisi sebesar 1,22% terhadap total beban bunga. Pinjaman

Keuangan)

Loan from Government (Finance Ministry) is a KP – RS – RSS

KP-RS-RSS

Loan facility which is granted by the Bank and disbursed to the

yang diterima oleh Bank dan dipinjam kepada nasabah-

customers under requirement of respective facility program.

merupakan

106

dari

Pemerintah

fasilitas

pinjaman


(Departemen pembiayaan





nasabah yang mempunyai persyaratan program fasilitas

The nature of the program is an arm, where the credit risk is

yang bersangkutan. Sifat pinjaman tersebut di atas adalah

covered by the Bank.

penerusan, dimana risiko kredit ditanggung oleh Bank. Pada tanggal 16 Desember 2009, melalui Akta Perjanjian

On December 16th, 2009, under Loan Agreement Deeds No.

Kredit No. 90 oleh notaris M.S.E. Pangemanan, Bank mendapat

90 by Notary M.S.E Pangemanan, the Bank received loan facility

fasilitas kredit dari PT Bank Mega Tbk, Jakarta. Fasilitas kredit

from PT Bank Mega Tbk, Jakarta. The loan facility is allocated

tersebut digunakan untuk Pembiayaan Multiguna kepada

for Multiguna Loan to end user with 5 years maturity and

end user dengan jangka waktu 5 tahun dan akan jatuh tempo

will be matured on December 17th, 2014. Maximum loan is

pada tanggal 17 Desember 2014. Maksimum kredit adalah

to Rp200,000,000,000. Referring to Batch-3 Loan Withdrawal

Rp200.000.000.000. Berdasarkan Surat Pengantar Penarikan

Notification No. 114/KRD-DIR/III/2011 dated March 14th,

Pinjaman Batch-3 nomor: 114/A/KRD-DIR/III/2011 tanggal 14

2011, PT Bank Sulut withdrawed loan of Rp25,000,000,000. As

Maret 2011, PT Bank SULUT melakukan penarikan pinjaman

of June 30th, 2011, total loan received by PT Bank Sulut was

sebesar Rp25.000.000.000. Sampai dengan 30 Juni 2011, jumlah

Rp150,000,000,000.

pinjaman yang di terima oleh PT Bank SULUT adalah sebesar Rp150.000.000.000.

Pendapatan Operasional Lainnya

Other Operating Income

Komposisi Pendapatan Operasional Lainnya Composition of Operating Others Income

Lain-lain 61% Other 61% Administrasi 38% Administration 38% Pendapatan Dividen Saham 1% Dividen Income 1%

Pendapatan operasional lainnya mengalami penurunan 13,46%

Other operating income decreased by 13.46% from Rp55,101

dari Rp55.101 juta menjadi Rp47.685 juta.

million to Rp47,685 million.


107




Beban Personalia

Personnel expense 2013

2012

2011



209.625

164.029

145.249

45.596

27,80%

Gaji dan upah Salaries and Wages

60.755

47.255

35.012

13.500

28,57%

Pendidikan dan latihan Education and Training

19.977

9.002

5.865

10.975

121,92%

Honorarium Honorarium

5.413

3.269

5.190

2.144

65,59%

Imbalan pasca kerja Employment Benefits

2.397

2.224

1.840

173

7,78%

Penelitian dan pengembangan Research and Development

2.116

1.439

3.282

677

47,05%

300.283

227.218

196.438

73.065

32,16%

Uraian (Rp Juta) Description (Rp million) Tunjangan Allowances

Jumlah Total

Beban personalia mengalami peningkatan sebesar 32,16%,

Personnel expense booked growth of 32.16% where the

dimana peningkatan terutama disebabkan kenaikan biaya

increase was primarily encouraged by increase in education

pendidikan dan latihan yang meningkat sebesar 121,92%

and training expense which grew by 121.92% to improve

dalam upaya peningkatan kualitas sumber daya manusia untuk

human resources quality to bring excellent serviice for the

memberikan pelayanan yang prima bagi nasabahnya. Selain itu,

customers. Moreover, salaries and wage expenses also

beban gaji dan upah juga mengalami kenaikan sebesar 28,57%

increased by 28.57% where the preposition reached to 20.23%

dimana proporsinya mencapai 20,23% dalam komponen

on overall component of perosnnel expenses.

beban personalia secara keseluruhan.

108






Beban Umum dan Administrasi Uraian (Rp Juta) Description (Rp million)


General and Administrative Expenses Selisih Perubahan Mismatch


2013

2012

2011

Beban barang dan jasa Goods and service expenses

51.513

42.236

31.261

9.277

21,96%

Beban sewa Goods and service expenses

17.493

12.033

13.081

5.460

45,38%

Beban penyusutan aset tetap Fixed assets depreciation expenses

10.347

9.228

9.070

1.119

12,13%

Beban perjalanan dinas Business trip expenses

14.481

13.731

11.714

750

5,46%

Beban promosi Promotional expenses

15.809

11.087

19.488

4.722

42,59%

Beban bank Bank charges

16.262

16.075

12.381

187

1,16%

Beban pemeliharaan dan perbaikan Maintenance and repair expenses

11.063

8.326

8.413

2.737

32,87%

3.324

2.310

2.271

1.014

43,90%

457

1.391

226

(934)

-67,15%

Beban perayaan, rekreasi dan olahraga Celebration, recreation and sports expenses

8.467

4.476

5.678

3.991

89,16%

Beban rapat dan pertemuan Meeting and conventions

3.751

3.321

3.015

430

12,95%

Beban perjamuan Entertainment expenses

5.432

2.837

1.598

2.595

91,47%

Beban penagihan Collection fee

629

379

47

250

65,96%

Beban asuransi Insurance expenses

311

64

21

247

385,94%

7.998

6.773

8.537

1.225

18,09%

167.337

134.267

126.801

33.070

24,63%

Beban profesional Professional charges Beban pajak kendaraan, bumi bangunan dan lain lain Taxes expenses of vehicles, earth building and others

Beban lain-lain Other expenses Jumlah Total

Beban umum dan administrasi mengalami peningkatan

General and administrative expenses posted grew by 24.63% in

sebesar 24,63% pada tahun 2013, dimana persentase kenaikan

2013, where the highest growth percentage was on collection

terbesar terdapat pada beban penagihan yaitu sebesar 65,96%

expenses was 65.96% which reflected commitment of Bank

yang mencerminkan komitmen bank SULUT untuk mengurangi

Sulut to recede non-performing loan.

kredit macet.


109





Laba/Rugi Operasional

Operating Income/Loss

Pada tahun 2013 ini, Bank SULUT senantiasa melakukan

In 2013, Bank Sulut always carries improvement both for

perbaikan-perbaikan baik itu fitur dan layanan perbankan,

banking feature and services, funding structure and control

struktur pendanaan serta pengendalian terhadap pengeluaran

on operational expenditure to create efficiency to encourage

beban operasional sehingga dapat terciptanya efisiensi yang

profit growth of Bank Sulut. Operating income of Bank Sulut

mendorong pertumbuhan laba Bank SULUT. Laba operasional

throughout 2012 reched to Rp289.525 million or increased by

Bank SULUT selama tahun 2013 mencapai Rp289.525 juta atau

38.78% from 2012.

naik sebesar 38,78% dari tahun 2012.

Pendapatan (Beban) Non Operasional

Non-operating Income (Loss)

Pendapatan non operasional terdiri dari sewa, laba penjualan

Non-operating income consists of Rent, Gains on sales of fixed

aset tetap, bunga atas kredit macet, laba penjualan surat

assets, Interest on non-performing loan, Gains from marketable

berharga dan lain-lain. Sedangkan beban non operasional

securities realization and others. While, non-operating income

terdiri dari sumbangan, denda dan lain-lain. Dari kegiatan non-

consists of donation, penalty and others. From the non-

operasional tersebut, Bank SULUT mencatatkan pendapatan

operating activity, Bank Sulut booked net non-operating

(beban) non-operasional bersih sebesar Rp21.620 juta, naik

income of Rp21.60 million, increased by 81.57% from 2012

81,57% dari tahun 2012 yang didominasi oleh jumlah beban

which was dominated by Rp23,694 million in 2013.

non operasional sebesar Rp23.694 juta pada tahun 2013.

Pendapatan Non Operasional (Rp Juta) Non operating income (Rp million)

2012

2011

Sewa Rent

270

-

124

270

100,00%

Laba penjualan aset tetap Gains on sales of fixed assets

213

-

7

213

100,00%

Lain-lain Others

1.591

12.425

4.698

(10.834)

-87,20%

Jumlah Total

2.074

12.425

4.829

(10.351)

-83,31%

2013

2012

2011

11

-

5.016

11

100,00%

Denda Penalties

197

365

2.069

(168)

-46,03%

Lain-lain Others

23.486

23.967

7.350

(481)

-2,01%

Jumlah Total

23.694

24.332

14.435

(638)

-2,62%

(21.620)

(11.907)

(9.606)

(9.713)

81,57%

Pendapatan Non Operasional (Rp Juta) Non operating income (Rp million) Kerugian Penjualan Aset Tetap Loss on sales of fixed assets

Pendapatan (Beban) Non Operasional Non operating expenses (Rp million)

110

Selisih % Perubahan Perubahan % growth Mismatch

2013


Selisih % Perubahan Perubahan % growth Mismatch





Laba Bersih dan Laba Bersih per Saham

Net Income and Earning per Share

Dari hasil kegiatan usaha yang telah dicapai selama tahun

From the operational activity which had been realizaed in 2013,

2013, Bank SULUT berhasil membukukan laba bersih sebesar

Bank Sulut booked net income of Rp181,433 million, grew by

Rp181.433 juta, meningkat sebesar 30,35% dibandingkan

30.35% from net income in 2012. This was an impact of increase

dengan laba bersih tahun 2012. Hal ini merupakan akibat

in interest income and income tax expense. The net income

dari peningkatan pendapatan bunga, dan beban pajak

growth directly affected earning per share.

penghasilan. Pertumbuhan laba bersih tersebut berpengaruh secara langsung terhadap laba bersih per saham dasar.

Laba Bersih Per Saham Dasar Earning per share

60.000

52.647

51.140

50.000

44.461

40.000 40.000

28.117

dalam juta Rupiah in million Rupiah

23.667

30.000

2009 : 28.117 2010 : 51.140 2011 : 23.667 2012 : 52.647 2013 : 44.461

20.000 10.000 0

2011

2012

2012

2012

2013


111




Aset


Asset

Pada tahun 2013, perusahaan mencatat peningkatan aset

In 2013, the Company posted assets growth of 19.19% to

sebesar 19,19% menjadi Rp7.805.462 juta dari Rp6.548.587

Rp7,805,642 million in Rp6,548,587 million in 2012. The growth

juta pada tahun 2012. Kenaikan ini terutama disebabkan oleh

was mainly due to increase in marketable securities and loan.

peningkatan surat berharga dan kredit yang diberikan.

2013

2012

2011



Kas Cash

345.428

118.438

161.625

226.990

191,65%

Giro pada Bank Indonesia Current account with Bank Indonesia

569.607

458.175

381.903

111.432

24,32%

Uraian (Rp Juta) Description (Rp million) ASET ASSETS ASET LANCAR ASSETS

Giro pada Bank Lain Current account with other Bank Pihak ketiga Third Party Pihak berelasi Related Party Penempatan pada Bank Lain Placement with other Banks Jumlah aset lancar Total Current Assets

9.571

21.994

26.588

(12.423)

-56,48%

635

30.572

-

(29.937)

-97,92%

41.396

805.105

809.142

(763.709)

-94,86%

966.637

1.434.284

1.379.258

(467.647)

-32,60%

ASET TIDAK LANCAR NON CURRENT ASSETS Surat berharga*) Securuties

1.001.287

329.830

197.904

671.457

203,58%

24.021

16.587

18.105

7.434

44,82%

5.630.312

4.645.333

3.600.427

984.979

21,20%

Penyertaan Investment

1.825

1.825

1.825

-

0,00%

Aset tetap*) Fixed Assets

59.110

50.767

53.909

8.343

16,43%

Aset pajak tangguhan Deferred Tax Assets

10.265

9.666

8.173

599

6,20%

112.005

60.295

38.432

51.710

85,76%

Jumlah aset tidak lancar Total Non-current Assets

6.838.825

5.114.303

3.918.775

1.724.522

33,72%

TOTAL ASET Total Assets

7.805.462

6.548.587

5.298.033

1.256.875

19,19%

Kredit yang diberikan*) Loans Pihak Berelasi Related Party Pihak Ketiga Third Party

Aset lain-lain Other Assets

*) nilai setelah dikurangi dengan CKPN dan penurunan nilai aktiva *) Value after deducting the allowance for impairment and impairment of assets

112






Kas dan Setara Kas

Cash and Cash Equivalents

Kas dan setara kas meliputi kas, giro pada Bank Indonesia, giro

Cash and cash equivalents includes cash, current accounts

pada bank lain, simpanan yang sewaktu-waktu bisa dicairkan

with Bank Indonesia, Current Accounts with other Banks,

dan investasi jangka pendek likuid lainnya dengan jangka

current deposit and other liquid current investment with

waktu jatuh tempo tiga bulan atau kurang. Guna menjaga

maturity less than three months. TO maintain liquidity ratio,

tingkat likuiditas, Bank SULUT melalui grup treasuri secara

Bank Sulut through Treasury Group optimally manages the

optimal melakukan pengelolaan terhadap dana-dana yang

fund which has not been absorbed on fund disbursement of

belum terserap pada penyaluran dana berupa kredit pada

loan to some several financial liquid financial instruments. TO

beberapa instrumen keuangan yang tergolong likuid. Dalam

support operational activity of Bank Sulut, in 2013, cash of Bank

rangka mendukung kegiatan operasional Bank SULUT pada

Sulut reached to Rp345,428 million or increased by 191.65%

tahun 2013, kas Bank SULUT mencapai sebesar Rp345.428 juta

from 2012 of RP118,438 million. The growth was related with

atau naik sebesar 191,65% dari tahun 2012 sebesar Rp118.438

handling of loan disbursement activity carried by Bank Sulut

juta. Peningkatan tersebut terkait dengan peningkatan aktivitas

and increasing fund for corporate social responsibility of Bank

penyaluran kredit yang dilakukan Bank SULUT dan peningkatan

Sulut.

dana untuk pertanggungjawaban sosial Bank SULUT.

Giro pada Bank Indonesia

Current Accounts with Bank Indonesia

Pada tanggal 4 Oktober 2010, Bank Indonesia mengeluarkan

On October 4th, 2010, Bank Indonesia issued Regulation No.

peraturan No. 12/19/PBI/2010 tentang Giro Wajib Minimum

12/19/PBI/2010 regarding Minimum Statutory Reserves for

(GWM) Bank Umum pada Bank Indonesia dalam Rupiah dan

Commercial Banks with Bank Indonesia in Rupiah and foreign

valuta asing. Peraturan tersebut berlaku efektif tanggal 1

currency. The regulation was effectively implemented on

November 2010. Berdasarkan peraturan tersebut GWM dalam

November 1st, 2010. Based on the regulation, GWM in Rupiah is

rupiah ditetapkan sebesar 8% dari Dana Pihak Ketiga (DPK)

determined of 8% from Third Party Fund in Rupiah. Bank Sulut

dalam rupiah. Bank SULUT pada tahun 2013 telah memenuhi

in 2013 has complied the regulation by posting GWM of 8%.

aturan tersebut dengan mencatat GWM sebesar 8,12%.

Giro pada Bank Lain

Current Accounts with Other Banks

Pada tahun 2013, dana yang ditempatkan pada rekening

In 2013, fund placement on Current Accounts with other Banks

Giro yang ditempatkan pada bank lain terealisasi sebesar

was Rp10,206 million or decreased by 80.58% from 2012 of

Rp10.206 juta atau turun 80,58% dibandingkan tahun 2012

Rp52,566 million. Current accounts with other banks is aimed

sebesar Rp52.566 juta. Giro pada Bank Lain ini bertujuan

to support in carrying transaction with other banks. Fluctuation

untuk mempermudah dalam melaksanakan transaksi dengan

of current accounts with other banks is depended on fund

bank lain. Fluktuasi giro pada bank lain ini bergantung pada

transaction frequency provided by the depositors.

frekuensi transaksi dana yang diberikan oleh nasabah.

Penempatan pada Bank Lain

Placement with Other Banks

Penempatan ini antara lain terdiri dari Deposito on Call, Deposito

The placement namely consists On Call Deposit, Time Deposit

Berjangka, Interbank Call Money dan Tabungan yang sampai

which as end of 2013 realized to Rp41,396 million or decreased

dengan akhir tahun 2013 terealisasi sebesar Rp41.396 juta atau

by 94.86% from 2012 which was RP805,105 million dominated

mengalami penurunan sebesar 94,86% dari tahun 2012 sebesar

by Placement with Bank Indonesia and Placement with

Rp805.105 juta yang didominasi oleh penempatan pada Bank

Interbang Call Money.

Indonesia dan penempatan pada Interbank Call Money.


113





Surat Berharga

Marketable Securities

Bank SULUT mencatat adanya kenaikan jumlah surat berharga

Bank Sulut booked increase in marketable securities of

sebesar 203,58% di tahun 2013 dengan nilai mencapai

2013.58% in 2013 with value amounted to Rp1,001,287 million

Rp1.001.287 juta dibandingkan tahun 2012 sebesar Rp329.830

from 2012 of RP329,830 million which consisted of Bank

juta yang terdiri dari Sertifikat Bank Indonesia dan Obligasi.

Indonesia Certificate and Bonds.

Kredit yang Diberikan

Loans

Secara total penyaluran kredit Bank SULUT pada tahun 2013

To sum up, total loans of Bank Sulut in 2013 booked rapid growth.

telah mencapai pertumbuhan yang pesat. Pada tahun 2013

In 2013, Bank Sulut posted increase in loan to Rp5,654,333

ini, Bank SULUT mencatat peningkatan dalam penyaluran

million or grew by 21.29% from 2012 of Rp4,661,920 million.

kredit sebesar Rp5.654.333 juta atau tumbuh sebesar 21,29% dari tahun 2012 sebesar Rp4.661.920 juta dimana angka tersebut setelah diperhitungkan dengan CKPN. Bank SULUT membagi 2 penyaluran usaha kredit yaitu kepada

Bank Sulut divides 2 loan disbursement activity, to related party

pihak yang mempunyai hubungan istimewa meliputi kredit

including consumer loan, working capital loan and investment

konsumtif, kredit modal kerja, dan kredit investasi. Selanjutnya

loan. Further, loan disbursement for third party including

penyaluran kredit pada pihak ketiga berupa kredit konsumtif,

consumer loan, working capital loan, investment loan, checking

kredit modal kerja, kredit investasi, pinjaman rekening koran,

account loan, KUK working capital loan, investment loan and

Kredit Usaha Kecil (KUK) modal kerja, KUK investasi, dan Kredit

mortgage.

Perumahan Rakyat (KPR).

Penyertaan

Investment

Berdasarkan Rapat Umum Pemegang Saham PT. Bank SULUT

Based on PT Bank Sulut General Meetings of Shareholders

yang diaktakan dengan akta No. 128 tanggal 24 November 2008

on Deed No. 128 dated November 24th, 2008 by M.S.E.

oleh M.S.E. Pangemanan, SH., Notaris di Manado, pemegang

Pangemanan, SH., Notary in Manado, the Shareholders decided

saham memutuskan tidak menyetujui adanya penambahan

not to approve additional paid-in capital and investmetn with

modal disetor atau penyertaan Bank kepada PT. BPR Prisma

PT BPR Prisma Dana of Rp10,000,000,000 that investment in

dana sebesar maksimal Rp10.000.000.000 sehingga penyertaan

shares in 2013 was equal with 2012 of Rp1,825 million.

saham pada tahun 2013 nilainya sama dengan tahun 2012 yaitu sebesar Rp1.825 juta.

Aset Tetap

Fixed Assets

Sepanjang tahun 2013, Bank SULUT mencatat aset tetap

Throughout 2013, Bank Sulut booked net fixed income of

bersih senilai Rp59.110 juta. Penjualan aset menyebabkan

Rp59,110 million. Sales of assets encouraged decrease in value

nilai aset tetap Bank SULUT turun. Setelah dikurangi akumulasi

of fixed asets of Bank Sulut. After reduced by depreciation

penyusutan nilai akhir aset tetap menunjukkan peningkatan

accumulation, final value of fixed assets showed increased

sebesar 16,43% dibanding tahun 2012 yang bernilai Rp50.767

of 16.43% from 2012 in value of Rp50,767 million. Most of

juta. Sebagian besar aset tetap yang mengalami penurunan

depreciated fixed assets are namely building, vehicle, office

diantaranya bangunan, kendaraan, mesin kantor dan hardware

machineries and computer hardware.

komputer.

114






Aset Lain-lain

Other Assets

Aset lain-lain terdiri atas bunga yang masih harus diterima,

Other Assets consists of accrued interest, prepaid expenses nad

biaya dibayar di muka, dan lain-lain. Aset lain-lain Bank SULUT

others. Other assets of Bank Sulut in 2013 increased by 85.76%

tahun 2013 meningkat 85,76% menjadi Rp112.005 juta dari

to Rp112,005 million from Rp60,295 million in 2012.

Rp60.295 juta pada tahun 2012.

Liabilitas

Liabilities

Kewajiban perusahaan meningkat sebesar 17,12% menjadi

Liabilities of the Company increased by 17.12% to Rp6,001,530

Rp6.001.530 juta dari Rp7.028.805 juta pada tahun 2012.

million from Rp7,028,805 million in 2012. The increase was

Peningkatan ini terutama disebabkan karena liabilitas segera

mainly due to current liabilities and customer’s deposit which

dan simpanan nasabah yang meningkat masing-masing

increased each by 103.82% and 17.40%.

sebesar 103,82% dan 17,40%.

Uraian (Rp Juta) Description (Rp million) Liabilitas segera Immediate Liability

2013

2012

2011



183.067

89.817

61.662

93.250

103,82%

Pihak berelasi Related Party

1.055.282

799.554

363.401

255.728

31,98%

Pihak ketiga Third Party

3.971.260

3.482.142

3.330.805

489.118

14,05%

1.130.656

1.132.860

560.005

(2.204)

-0,19%

379.795

398.037

397.170

(18.242)

-4,58%

Pinjaman yang diterima Borrowings

31.256

56.247

82.294

(24.991)

-44,43%

Utang pajak Taxes payable

37.728

23.842

24.967

13.886

58,24%

Liabilitas imbalan pasca kerja Employee benefit liability

15.690

13.293

11.069

2.397

18,03%

436

665

1.720

(229)

-34,44%

223.635

5.073

35.287

218.562

4.308,34%

7.028.805

6.001.530

4.868.380

1.027.275

17.12%

Simpanan nasabah Immediate Liability

Simpanan dari bank lain Deposits from other Banks Surat berharga yang diterbitkan Marketable securities issued

Estimasi kerugian atas komitmen dan kontijensi Alloance for possible losses on commitments and contingencies Liabilitas lainnya Other liabilities Total


115





Liabilitas Segera

Current Liabilities

Pada tahun 2013, liabilitas segera tercatat sebesar Rp183.067

In 2013, current liabilities booked to Rp183,067 million and

juta yang mana mengalami peningkatan 103,82% dibanding

increased by 103.82% from 2012 of Rp89,817 million. The

pada tahun 2012 sebesar Rp89.817 juta. Peningkatan tersebut

growth was contributed by increase in other deposit. Other

dikontribusikan oleh peningkatan titipan lainnya. Titipan lainnya

deposit is namely realized for payment of taxes, electricity

diantaranya digunakan untuk pembayaran pajak, listrik dan

and telephone which is carried by third party through bank

telepon yang dilakukan oleh pihak ketiga melalui bank serta

and fund with third party with time deposit which has been

dana pihak ketiga berupa deposito yang sudah jatuh tempo.

matured.

Simpanan Nasabah

Customer’s Deposit

Persaingan dalam dunia usaha perbankan semakin tinggi

Business competition in banking sector is higher on its intensity,

intensitasnya, yang antara lain meliputi persaingan tingkat

which includes competition on interest rate, services, network

suku bunga, layanan yang diberikan, luasnya jaringan,dan fitur-

coverage, and features. Several strategy which is implemented

fitur yang diberikan. Berbagai strategi diterapkan Bank SULUT

by Bank Sulut to acheive target and objectives namely by

dalam upaya mencapai sasaran dan tujuannya,diantaranya

offering new products and services and facilities as well as

dengan menawarkan produk, layanan dan fasilitas baru yang

extending features of products, services and facilities by always

dimiliki ataupun menambah fitur-fitur dari produk, layanan atau

focusing on Customers Demand. Total customer’s deposit of

fasilitas yang sudah tersedia dengan tetap berorientasi pada

Bank Sulut in 2013, reached to Rp5,026,542 million, increased

Kebutuhan Nasabah. Total simpanan nasabah Bank SULUT

by 17.40% from 2012. Therefore, third party fund target of

tahun 2013 mencapai Rp5.026.542 juta, meningkat sebesar

Rp3,971,260 million has been exceeded. Amidst banking sector

17,40% dari tahun 2012. Dengan demikian, target dana pihak

competition in Indonesia, Bank Sulut succeeded in booking

ketiga sebesar Rp3.971.260 juta telah terlampaui. Di tengah

third party fund growth beyond average banking industry of

ketatnya persaingan industri perbankan Indonesia, Bank SULUT

15.90%.

berhasil mencapai pertumbuhan dana pihak ketiga di atas pertumbuhan rata-rata industri perbankan sebesar 15.90%.

Giro

Current Accounts

Dana Pihak Ketiga berupa giro selama tahun 2013 telah

Third Party fund of Current accounts in 2012 reached to

mencapai Rp1.297.808 juta. Hal tersebut meningkat 34,30%.

Rp1,297,808 million. This increased by 34.30% in 2012 of

dari tahun 2012 sebesar Rp966.362 juta. Pertumbuhan giro

Rp966,362 million. Increase in current accounts is dominated

tersebut didominasi oleh pertumbuhan giro dari Pihak berelasi

by current accounts growth from Related Party which grew

yang tumbuh sebesar 34,68% sedangkan untuk dana giro yang

by 34.68%, while for current accounts from public (third party)

berasal dari masyarakat (pihak ketiga) mengalami peningkatan

grew 33.27%.

sebesar 33,27%.

Tabungan

Savings

Selama tahun 2013, Dana Pihak Ketiga berupa tabungan

In 2013, Third Party Fund of saving indicated acceptabel growth.

menunjukkan pertumbuhan yang cukup pesat. Hal tersebut

This as reflected on growth savings which in 2013 grew by

tercermin pada pertumbuhan tabungan yang pada tahun

14.39% from Rp939.712 million in 2012 to Rp1,074,927 million

2013 ini tumbuh 14,39% dari Rp939.712 juta pada tahun 2012

in 2013. This as an effort of the management in collecting low

menjadi Rp1.074.927 juta pada tahun 2013. Hal ini merupakan

cost retail funds.

salah satu upaya manajemen dalam rangka menghimpun dana-dana ritel yang berbiaya murah.

116





Deposito


Time Deposit

Deposito mencapai Rp2.653.807 juta, meningkat 11,71%

Time Deposit reached to Rp2,653,807 million, increased by

dibandingkan

juta.

11.71% from 2012 of Rp2,375,622 million. The growth was

Peningkatan ini terutama disebabkan karena produk deposito

due to competitive time deposit of Bank Sulut to be placed as

Bank SULUT yang menarik untuk menjadi instrumen simpanan

saving instrument for public.

tahun

2012

sebesar

Rp2.375.622

bagi masyarakat.

Simpanan dari Bank Lain

Saving with Other Bank

Simpanan dari bank lain turun 0,19% dari Rp1.132.860 juta pada

Saving with other banks decreased by 0.19% from Rp1,132,860

tahun 2012 menjadi Rp1.130.656 juta tahun 2013. Peningkatan

million in 2012 to Rp1,130,656 million in 2013. The growth was

terutama disebabkan karena peningkatan suku bunga yang

due to increase in interest rate which is offered by the banking.

mampu ditawarkan oleh perbankan.

Surat Berharga yang Diterbitkan

Marketable Securities

Pada tahun 2013, surat berharga yang diterbitkan Bank SULUT

In 2013, marketable securities issued by Bank Sulut reached

mencapai Rp379.795 juta, turun 4,58% dari tahun sebelumnya

to Rp379,795 million, decreased by 4.58% from previous year

yang hanya berjumlah Rp398.037 juta. Peningkatan ini

which only was Rp398,037 million. The increase was due to

dikarenakan Bank SULUT pada tahun 2013 telah memiliki

Bank Sulut in 2013 has issuesd Bonds of Bonds VI of Rp390

obligasi yang masih beredar yaitu obligasi IV sebesar Rp390

billion and Bonds Subordination I of Rp10 billion.

miliar serta obligasi subordinasi I sebesar Rp10 miliar.

Pinjaman yang Diterima

Borrowings

Pada akhir tahun 2013, Bank SULUT mencatat Rp31.256 juta

As end of 2013, Bank Sulut booked Rp31,256 million as

sebagai pinjaman yang diterima. Kewajiban ini mengalami

Borrowings. The liability decreased by 44.43% from Rp56,247

penurunan sebesar 44,43% dari Rp56.247 juta dari tahun 2012.

million in 2012. The decreasewas due to decrease in

Penurunan ini antara lain dikarenakan penurunan pinjaman

Borrowings from Bank Mega, PT Permodalan Nasional Madani

yang berasal dari Bank Mega, PT Permodalan Nasional Madani

and Government through Ministry of Finance.

dan Pemerintah melalui Departemen Keuangan.

Utang Pajak

Taxes Payable

Hutang pajak tahun 2013 mengalami peningkatan sebesar

Taxes Payable in 2013 booked increase by 58.24% from 2012 of

58,24% dari tahun 2012 sebesar Rp23.842 juta menjadi

Rp23,842 million to Rp37,728 million. The increase was due to

Rp37.728 juta. Peningkatan ini disebabkan oleh peningkatan

increase in accrued income tax article 29.

PPh 29 yang masih harus dibayar.

Liabilitas Lainnya

Other Liabilities

Liabilitas Lainnya meningkat sebesar 4308,34% dari Rp5.073

Other liabilities grew by 4308.34% from Rp5,073 million in 2012

juta di tahun 2012 menjadi Rp223.635 juta di tahun 2013.

to Rp223,635 million in 2013.


117





Ekuitas

Equity

Pada akhir tahun 2013, modal tercatat sebesar Rp776.659 juta

As end of 2013, equity booked of Rp776,659 million with

dengan pertumbuhan sebesar 41,97% bila dibandingkan

growth of 41.97% if compared with equity at the end of 2012

dengan modal akhir tahun 2012 sebesar Rp547.058 juta.

of Rp547,058 million. The growth was due to additional other

Kenaikan ini diakibatkan adanya penambahan modal disetor

paid-up capital by 14.74% from Rp45,712 million to Rp52,452

lainnya sebesar 14,74% dari Rp45.712 juta menjadi Rp52.452

million in 2013. Thus, increase in equity was also caused by

pada tahun 2013. Selain itu, peningkatan ekuitas juga

increasing unappropriated retained earnings which grew by

disebabkan oleh kenaikan saldo laba yang belum ditentukan

23.69% from Rp58,749 million in 2012 to Rp72,668 million.

penggunaannya yang naik 23,69% dari Rp58.749 juta pada tahun 2012 menjadi Rp72.668 juta.

2013

2012

2011


408,071

264,388

264,388

143,683

54.35%

177

177

177

-

0.00%

Modal disetor lainnya Other paid up capital

52,452

45,712

2,252

6,740

14.74%

Agio Agio

61,858

38,841

38,841

23,017

59.26%

Belum ditentukan Unappropriate

181,433

139,191

72,498

42,242

30.35%

Telah ditentukan Appropriate

72,668

58,749

51,499

13,919

23.69%

776,659

547,058

429,655

229,601

41.97%

EKUITAS EQUITY Modal saham EQUITY Modal sumbangan Paid on capital form donation


Saldo laba Retained earning

Jumlah Ekuitas Total Equity

118






Arus Kas

Cash Flows

Arus kas disusun dengan menggunakan metode langsung

Cash Flows is calcuated using direct method which is modified

yang dimodifikasi dengan mengelompokkan arus kas dalam

by categorizing cash flows into operating, investment and

aktifitas operasi, investasi dan pendanaan. Berikut data historis

financing activities. Following are historical data of cash flows

mengenai arus kas Bank selama 3 tahun terakhir.

within last 3 years.

Arus Kas Perusahaan

Company Cash Flow

Komponen (Rp juta) Component (Rp million)

2013

2012

2011



Kas bersih dari kegiatan operasi Cash Flows From Operating Activities

(454,329)

112,510

182,092

(566,839)

-503.81%

Kas bersih dari kegiatan investasi Cash Flows From Operating Activities

(18,253)

(10,516)

(10,385)

(7,737)

73.57%

Kas bersih dari kegiatan pendanaan Cash Flows From Financing Activities

4,935

(46,968)

67,196

51,903

-110.51%

Arus Kas Operasi

Operating Cash Flows

Kas bersih yang berasal dari aktifitas operasi mengalami

Net Cash flows from operating activities booked decreased by

penurunan sebesar 503,81% menjadi Rp454.329 juta dari

503.81% to (Rp454,329) million in Rp112,510 million in 2012.

Rp112.510 juta pada tahun 2012. Penurunan ini terutama

The decrease was primarily realized for purchasing other assets.

disebabkan karena kas yang digunakan untuk meningkatkan pembelian atas aset lain-lain.

Arus Kas Investasi

Investing Cash Flows

Kas bersih yang digunakan untuk aktifitas investasi meningkat

Net Cash Flows for investing activities grew to (Rp185,253)

menjadi Rp18.253 juta atau sebesar 73,57% dari Rp10.516 juta

million or by 73.57% from (Rp10,516) million in 2012. The

pada tahun 2012. Peningkatan ini didorong oleh peningkatan

increase was driven by increase in total fixed assets purchase.

jumlah pembelian aset tetap.

Arus Kas Pendanaan

Financing Cash Flows

Kas bersih yang digunakan untuk aktifitas pendanaan

Net Cash Flows used for financing activities decreased by

menurun sebesar 110,51% dari Rp46.968 juta pada tahun 2012

110.51% from (Rp46,968) million in 2012 to Rp4,935 million. The

menjadi Rp4.935 juta. Penurunan ini terutama disebabkan

decrease was mainly due to decrease in shares agio.

oleh penurunan agio saham.

Kemampuan Membayar Utang dan Kolektabilitas Piutang

Collectability and Solvability

Bank sangat mementingkan penjagaan kecukupan likuiditas

The Bank particularly emphasizes on maintaining its liquidity

dalam memenuhi komitmennya kepada para nasabah

adequacy to meet its commitments to customers and other

dan pihak lainnya, baik dalam rangka pemberian kredit,

parties, within the framework of credits channeling, repay of


119



pembayaran kembali simpanan, maupun untuk memenuhi



customers' deposits or to fulfill liquidity need.

kebutuhan likuiditas. Bank menjaga likuiditas dengan mempertahankan jumlah

The Bank keeps its liquidity by maintaining sufficient amount of

aset likuid yang cukup untuk membayar simpanan para

liquid assets to pay deposits from customers and maintaining

nasabah dan menjaga agar jumlah aset yang jatuh tempo

the number of assets due in each period sufficiency to cover

pada setiap periode dapat menutupi jumlah likuiditas yang

the amount of liabilities due.

jatuh tempo. Aset likuid bank terutama terdiri dari penempatan pada

Liquid assets of bank consists of placement with other banks

bank-bank lain dan lembaga keuangan lainnya, giro pada

and other financial institutions. Current Account with Bank

Bank Indonesia dan kas. Apabila bank memerlukan likuiditas,

Indonesia and cash. If the Bank needs liquidity, the Bank can

dengan segera Bank dapat menarik cadangan dana dalam

immediately withdraw its fund reserves in the forms of demand

giro pada Bank Indonesia atau mencari pinjaman di pasar

deposits from Bank Indonesia, sell SBI with sale purchase

uang antar bank di Indonesia. Cadangan utama Bank terdiri

agreement or seek credits at inter-bank money market in

dari cadangan Giro Wajib Minimum dan kas di kantor-kantor

Indonesia. The bank's main reserves consist of the Minimum

cabang.

Compulsory Demand Deposits and Cash at Branch Office.

Pengendalian likuiditas senantiasa dilakukan dengan cara

The liquidity control is always done through balancing fund

melakukan keseimbangan antara sumber-sumber dana

resources and their applications to keep the risks under

pemanfaatannya, sehingga bena-benar masih dalam limit

acceptable limits and provides contribution in the form of

risiko yang dapat diterima dan memberikan kontribusi berupa

proper profits, managed by Treasury Division and Asset Liability

profit yang wajar, yang pengelolaannya oleh Divisi Treasury

Committee Team.

dan tim Alco (Asset Liability Commitee). Dalam upaya penanganan kredit bermasalah Bank senantiasa

In an effort to manage non performing loans bank always

menjaga dan memelihara kualitas kredit dan meminimalisir

maintains and preserves the quality of the credits as well as

risiko kredit. Untuk itu, bank melakukan upaya penyelamatan

minimizes credit risk. Therefore, the bank takes rescuing and

dan penyelesaian terhadap kredit-kredit bermasalah yang

settlement effort against non – performing loans including

mencakup penagihan, restrukturisasi kredit, pengalihan

colection, credit restructuring, debtor’s assignment or

debitur atau kompensasi, pencairan agunan, pengajuan klaim

compensation, collaterals liquidation, claim charges against

kepada perusahaan asuransi kredit, penyerahan pengurusan

credit insurance companies, assign credit settlement process

kredit kepada PUPN/BUPLN atau Pengadilan Negeri, hapus

to PUPN/BUPLAN or the District Courts, credits write – off and

buku kredit dan atau cara-cara lain yang dapat ditempuh

or other methods within the corridor of prevailing legislation.

berdasarkan peraturan perundang-undangan yang berlaku.

120






Kredit yang diberikan berdasarkan kolektibilitas pada tanggal

Loans based on collectability as of December 31st, 2013 and

31 Desember 2013 dan 2012 adalah sebagai berikut:

2012 is as follows:

Kolektibilitas Kredit Sektor Ekonomi

Loans collectability Economic Sector

(dalam rupiah)

(in rupiah) 2013

Keterangan Description

Lancar Pass

Jumlah pinjaman yang diberikan Total Loans

2012

Cadangan Cadangan Jumlah pinjaman kerugian kerugian yang diberikan penurunan nilai penurunan nilai Total Loans Impairment Losses Impairment Losses

5.638.606.905.322

(3.632.323.170)

4.637.264.546.137

(5.718.583.176)

Dalam perhatian khusus Special Mention

7.724.820.438

(493.279.536)

18.362.429.494

(1.122.187.480)

Kurang lancar Substandard

1.531.119.354

(374.750.240)

5.977.906.826

(1.468.343.760)

Diragukan Doubtful

2.705.023.055

(1.057.824.746)

1.982.044.303

(852.435.398)

26.584.042.349

(17.261.267.418)

30.201.914.774

(22.706.476.123)

5.677.151.910.518

(22.819.445.110)

4.693.788.841.534

(31.868.025.937)

Macet Loss Total Total

Jumlah kredit non-performing terdiri dari kredit dengan

Total Non-performing loan of Loan with collectability

kolektibilitas (kurang lancar, diragukan dan macet) adalah

(substandard, doubtful and loss) are as follows:

sebagai berikut: Persentase Kredit Non-Performing Keterangan Description Jumlah NPL Gross Total NPL Gross Persentase (%) Percentage (%) Jumlah NPL Net Total NPL Net Persentase (%) Percentage (%)

Percentage of Non-Performing Loans 2013

2012

2011

30.820.183.535

38.019.689.616

46.477.698.338

0,54

0,81

1.26

12.148.303.637

6.101.925.494

11.548.716.979

0,21

0,13

0,32


121





Struktur Modal dan Tingkat Solvabilitas

Capital Structure and Solvability Levels

Komposisi kepemilikan saham Bank pada tanggal 31

Composition of sharewonership as of December 31st, 2013 is

Desember 2013 adalah sebagai berikut:

as follows:

Komposisi Kepemilikan Saham

Shareonwership composition Nilai nominal saham biasa Shares par value


Jumlah saham Total shares

Modal dasar Authorized Capital Modal ditempatkan dan disetor Paid-up Capital

Nominal Nominal

10.000.000

1.000.000.000.000

4.080.710

408.071.000.000

Adapun rincian ekuitas Bank pada tanggal 31 Desember 2013,

Detail of the Bank’s equity as of December 31st, 2013, 2012 and

2012 dan 2011 adalah sebagai berikut:

2011 are as follows:

Rincian Ekuitas Bank

Detail of Bank’s Equity

EKUITAS EQUITY Modal saham Share Capital

2013

2012

2011



408.071

264.388

264.388

143.683

54,35%

77

177

177

-

0,00%

Modal disetor lainnya Other paid up capital

52.452

45.712

2.252

6.740

14,74%

Agio Agio

61.858

38.841

38.841

23.017

59,26%

Belum ditentukan Unappropriated

181.433

139.191

72.498

42.242

30,35%

Telah ditentukan Appropriated

72.668

58.749

51.499

13.919

23,69%

776.659

547.058

429.655

229.601

41,97%

Modal sumbangan Share Capital

Saldo laba Retained Earnings

Jumlah Ekuitas Total Equity

122






Solvabilitas/ Kemampuan Membayar Utang Jangka Panjang

Solvability/Ability to Settle Non-Current Liabilities

Kemampuan perusahaan untuk memenuhi kewajiban jangka

Ability of the Company to settle non-current liability is

panjang dinilai cukup baik dilihat dari kapabilitas untuk

considered acceptable from capability to pay debt of

membayar utang atas pinjaman yang diterima.

Borrowings.

Kecukupan Modal

Capital Adequacy

Bank taat pada peraturan Bank Indonesia untuk memenuhi

The Bank complies with regulation of Bank Indonesia to meet

rasio kecukupan modal minimal sebesar 8%. Pada tahun 2013,

minimum capital adequacy ratio of 8%. In 2013, minimum

rasio liabilitas penyediaan modal minimum yang tersedia untuk

capital adequacy liability ratio which was available for credit

risiko kredit yakni sebesar 22,11% lebih baik dari tahun 2012

risk was 22,11%, which was better higher form 2012 of 14,70%.

sebesar 14,70%. Apabila telah mempertimbangkan risiko pasar,

If considering market risk, minimum capital provision liability

rasio liabilitas penyediaan modal minimum meningkat sebesar

ration increased by 22,11% from 14,70% in 2012. This indicates

22,11% dari 14,70% pada tahun 2012. Hal ini mencerminkan

acceptable Bank’s soundness condition.

kondisi kesehatan Bank yang cukup baik.


123




Rasio-Rasio Keuangan Uraian (%)


Financial Ratios

2013

2012

2011

17,27

18.76

12,71

Capital Adequacy Ratio (CAR)

Non Performing Loan (NPL) Gross

0,54

0,81

1,26

Non Performing Loan (NPL) Gross

Non Performing Loan (NPL) Netto

0,21

0,13

0,31

Non Performing Loan (NPL) Netto

Laba Sebelum Pajak terhadap Dana Pihak Ketiga (ROA)

3,48

3,00

2,01

Return on Assets

Laba Setelah Pajak terhadap Modal Sendiri (ROE)

36,92

39,86

23,02

Return on Equity


11,17

8,66

8,46

Net Interest Margin

Biaya Operasional terhadap Pendapatan Operasional (BOPO)

75,56

77,66

84,96

Operation Expenses to Operation Income

112,94

108,88

99,78

Loan to Deposit Ratio

Rasio Kecukupan Modal

Kredit yang Diberikan terhadap Simpanan Nasabah (LDR)

Description (%)

Loan to deposit ratio (LDR) meningkat dari 108.88% menjadi

Loan to Deposit Ratio (LDR) increased by 108.88% to 112.49% in

112,94% di tahun 2013. Ini mengindikasikan bahwa Bank SULUT

2013. This is indicated that Bank Sulut succeeded to increase its

berhasil meningkatkan kapasitasnya sebagai intermediasi

capacity as an intermediary in collecting fund from public and

dalam menghimpun dana dari masyarakat dan menyalurkan

disbursed to public as loan.

kembali ke masyarakat dalam bentuk kredit. Rasio CAR Bank SULUT (risiko kredit, pasar dan operasional)

CAR of Bank Sulut (credit risk, market risk, operational risk) as

sampai dengan akhir Desember 2013 menunjukkan perbaikan

end of December 2013 indicated improvement from previous

dari tahun sebelumnya. Tercatat pada Desember 2013, Rasio

year. It was bboked on December 2013, CAR of Bank Sulut was

CAR Bank SULUT terealisasi sebesar 17,27% dibandingkan

realized by 17.27% from realization of 2012 of 18.76%. Increase

dengan realisasi tahun 2012 sebesar 18,76%. Peningkatan

in capital ratio besides acquired from paid-up capital was

rasio permodalan ini selain berasal dari penambahan modal

also encouraged by organic growth of general reserves from

disetor juga terdapat pertumbuhan organik berupa cadangan

retained earnings. The CAR is stil exceeding standard of Bank

umum yang bersumber dari laba ditahan. Rasio CAR tersebut

Indonesia of 8%.

masih berada di atas standar Bank Indonesia yang ditetapkan yaitu sebesar 8% Non-Performing Loan (NPL) gross Bank SULUT per Desember

Gross Non-Performing Loan (NPL) of Bank Sulut as of December

2013 adalah sebesar 0,54%, menurun sebesar 0,27% jika

2013 was 0.54%, decreased by 0.27% if compared from 2012 of

dibandingkan pada tahun 2012 sebesar 0,81%. Hal ini

0.81%. This is indicated commitment of Bank Sulut in improving

menunjukkan komitmen Bank SULUT dalam melakukan

credit quality.

perbaikan terhadap kualitas kredit.

124

Bank Indonesia pada tahun 2001 menetapkan batas

Bank Indonesia determined Net NPL maximum limit of 5.00%

maksimum NPL netto sebesar 5,00%. Adapun rasio NPL

in 2001. Net NPL ratio of Bank Sulut in 2013 decreased from

netto Bank SULUT pada tahun 2013 naik dari tahun 2012

2012 of 0.13% to 0.21%. Bank Sulut always seeks to improve

sebesar 0,13% menjadi 0,21%. Bank SULUT terus berupaya

NPL ratio by implementing more extensive prudent and know






memperbaiki rasio NPL melalui penerapan prinsip kehati-

your customers principles by continuously upholding banking

hatian dan pengenalan nasabah yang lebih dalam dengan

intermediary function through loan disbursement to public

tetap mengutamakan fungsi intermediasi perbankan dengan

and business sector.

penyaluran dana kepada masyarakat dan sektor usaha. Return On Asset (ROA) Bank SULUT pada tahun 2013

Return on Assets (ROA) of Bank Sulut in 2013 increased by

meningkat sebesar 0.45% menjadi 3,43% dibandingkan tahun

0.45% to 3.43% from 2012 of 2.98%. The growth indicated that

2012 sebesar 2,98%. Peningkatan tersebut menunjukkan

assets managed by Bank Sulut provided higher return from

bahwa aset yang dikelola Bank SULUT dapat memberikan

previous year.

tingkat pengembalian yang lebih tinggi dibandingkan tahun sebelumnya. Return On Equity (ROE) Bank SULUT pada tahun 2013

Return on Equity (ROE) of Bank Sulut in 2013 decreased by

menurun sebesar 2,94% menjadi 36,92% dibandingkan tahun

2.94% to 36.92% from 2012 of 39.86%. This was due to equity

2012 sebesar 39,86% Hal ini dikarenakan oleh peningkatan

growth mainly from shares capital by 54.53 where the equity

ekuitas terutama yang berasal dari modal saham sebesar

growth of 41.97% which was higher from net income growth

54,35%, dimana peningkatan ekuitas sebesar 41,97% yang

reached by Bank Sulut in 2013 of 30.25%.

jauh lebih tinggi dibandingkan peningkatan laba setelah pajak yang dihasilkan Bank SULUT tahun 2013 sebesar 30,25%. Net Interest Margin (NIM) Bank SULUT pada tahun 2013

Net interest Margin (NIM) of Bank Sulut in 2013 decreased by

menurun sebesar 5,44% menjadi 11,17% dibandingkan tahun

5.44% to 11.17% from 2012 of 16.61%. This was mainly due to

2012 sebesar 16,61% Hal ini terutama dikarenakan peningkatan

increase in interest income.

penerimaan bunga. Beban Operasional-Pendapatan Operasional Bank SULUT

Operating Expense – Operating Income of Bank Sulut in

pada tahun 2013 menurun sebesar 5,82% menjadi 75,56%

2013 decreased by 5.82% from 2012 of 81.38%. The decrease

dibandingkan tahun 2012 sebesar 81,38%. Penurunan tersebut

indicated operational efficiency through capital structure

menunjukkan Bank SULUT selama tahun 2013 telah berhasil

improvement and writing off unnecessary expenses.

meningkatkan efisiensi operasionalnya melalui perbaikan struktur pendanaan serta menghilangkan biaya-biaya yang dianggap tidak perlu.

Kemampuan Membayar Kewajiban

Solvability to Settle Liabilities

Meskipun jumlah kewajiban Bank SULUT meningkat

Although total liabilities of Bank Sulut increased from 2012,

dibandingkan dengan tahun 2012, secara keseluruhan selisih

generally, mismatch between current assets and liabilities of

jumlah aset lancar dan kewajiban Bank SULUT menunjukkan

Bank Sulut posted positive trend. This means, current assets

angka positif. Artinya, aset lancar yang dimiliki Bank SULUT

owned by Bank Sulut in 2013 which can be used for settling all

pada tahun 2013 dapat digunakan untuk menyelesaikan

liabilities. Company’s ability to settle non-current liabilities was

seluruh kewajibannya. Kemampuan perusahaan untuk

acceptable considered from capability to settle Borrowings.

memenuhi kewajiban jangka panjang dinilai cukup baik dilihat dari kapabilitas untuk membayar utang atas pinjaman yang diterima.


125





Commitment and Contingency

Komitmen dan Kontijensi 2013

2012

2011

Estimasi kerugian atas transaksi komitmen dan kontinjensi berasal dari :

Loss Estimation of Commitment and Contingency Transaction from:

Fasilitas kredit kepada nasabah yang belum digunakan (Rp Juta)

17.825

37.325

41.641

Allowance for commitments and contingent credit facilities to customers which unused (Rp million)

Garansi yang diterbitkan (Rp Juta)

25.754

29.124

171.985

Guarantees issued (Rp million)

Kolektibiitas transaksi liabilitas komitmen dan kontinjensi yang

Collectability of commitment and contingency liability

mempunyai resiko kredit adalah sebagai berikut:

transaction with credit risk exposure, as follows:

Keterangan (jutaan rupiah)

2013

KOMITMEN

2012

Keterangan (jutaan rupiah)

2011

Commitment

Fasilitas kredit kepada nasabah yang belum digunakan

17.825

37.325

41.641

Allowance for commitments and contingent credit facilities to customers which unused

Cadangan kerugian penurunan nilai

-178

-373

-416

Provision for Impairment Losses

17.647

36.952

41.225

Total

KONTINJENSI

Contingency

Garansi yang diterbitkan kepada Pihak Ketiga

Guarantees issued Third Parties

25.754

29.124

171.985

Current

-258

-291

-1.720

Impairment Losses

25.496

28.833

170.265

Jumlah

Lancar Penyisihan kerugian Jumlah

Total

Komitmen dan kontijensi merupakan rekening administrasif

Commitment and contingency are administrative account

yang timbul dari transaksi kredit. Komitmen mengacu pada

which are occured from loan transaction. The commitment

komitmen penyediaan, pembiayaan dari instrument keuangan

refers to commitment of provision, financing of financial

yang mengakibatkan pengakuan aktiva dan / atau kewajiban

instrument which encouraged assets and/or liabilities

selama periode tertentu. Kontijensi merupakan probabilitas

recognition. Contingency is an assets and/or liabilities

aset dan/atau kewajiban yang dapat terjadi sebagai akibat dari

probability due to several possibility related with credit and

beberapa kejadian sehubungan dengan kredit dan transaksi

acceptance transaction in Bank Sulut.

akseptasi di bank SULUT. Bank SULUT mencatat estimasi atas kerugian komitmen

Bank Sulut booked estimation for commitment loss of Rp178

sebesar Rp178 juta yang didominasi oleh fasilitas kredit yang

million which was dominated by undisbursement loans of

belum digunakan (undisbursement loans) sebesar Rp17.825 juta

Rp17,825 million decreased by 52.24% due to decreasing

menurun 52,24% yang disebabkan oleh turunnya jumlah kredit

disbursement loan but not yet realized.

yang sudah difasilitasi namun belum digunakan.

126






Derivatif dan Fasilitas Perlindungan Nilai

Derivative and Hedging Value Instrument

Bank SULUT menghadapi resiko pasar atas perubahan

Bank Sulut is exposed by market risk regarding changing

tingkat suku bunga dan menggunakan instrument derivatif

interest rate and using derivative instrument related with risk

sehubungan dengan aktivitas manajemen resiko. Bank SULUT

management activity. Bank Sulut did not use or issue derivative

tidak menggunakan atau menerbitkan instrumen derivatif

instrument to be traded.

untuk tujuan diperdagangkan.

Informasi Keuangan yang Mengandung Kejadian Luar Biasa dan Jarang Terjadi

Financial Information Containing Extraordinary Event

Ketentuan transisi atas penerapan awal PSAK No. 50 (Revisi

Regualtion of initial implementation transition of SFAS No. 50

2006) dan PSAK No. 55 (Revisi 2006) dilaksanakan sesuai dengan

(Revised 2006) and SFAS No. 55 (Revised 2006) is crried based

Buletin Teknis No. 4 yang dikeluarkan oleh Ikatan Akuntan

on Technical Bulletin No. 4 issued by Indonesia Accounting

Indonesia, memberikan pedoman tambahan dibawah ini:

Association, provided additional regulation, as follows:

Perhitungan Suku Bunga Efektif

Effective Interest Rate Calculation

Perhitungan suku bunga efektif untuk instrumen keuangan

Effective interest rate calculation for financial instrument which

yang diukur pada biaya perolehan diamortisasi yang diperoleh

is calculated on prior ammorticized acquisition expense with

sebelumnyadan masih bersaldo pada tanggal 1 Januari 2010

outstanding on January 1st, 2010 determined based on future

ditentukan berdasarkan arus kas masa depan yang akan

cash flows acquired since initial implementation of SFAS 55

diperoleh sejak penerapan awal PSAK 55 (Revisi 2006) sampai

(Revised 2006) to the maturity of financial instrument.

dengan jatuh tempo instrumen keuangan tersebut. Penghentian Pengakuan

Derecognition

Instrumen keuangan yang sudah dihentikan pengakuannya

Financial Instrument which was derecognized before January

sebelum tanggal 1 Januari 2010 tidak dievaluasi kembali

1st, 2010 was not revaluated based on derecognition on SFAS

berdasarkanketentuan penghentian pengakuan dalam PSAK

55 (revised 2006).

55 (Revisi 2006). Instrumen Keuangan Majemuk

Compound Financial Instruments

Pada tanggal 1 Januari 2010, Bank mengklasifikasikan instrumen

On January 1, 2010, the Bank classifies its financial instruments

keuangan sebagai liabilitas atau ekuitas sesuai dengan paragraf

as liabilities orequity in accordance with PSAK 50 paragraph 11

11PSAK 50 (Revisi 2006).

(revised 2006).

Penurunan Nilai Instrumen Keuangan

Impairment Losses of Financial Instrument

Pada tanggal 1 Januari 2010, Bank menentukan penurunan

On January 1st, 2010, the Bank determined impairment losses

nilai instrumen keuangan berdasarkan kondisi pada saat itu.

of financial instrument based on current condition. Mismatch

Selisih antara penurunan nilai ini dengan penurunan nilai

of impairment losses is determined based on generally applied

yang ditentukan berdasarkan prinsip akuntansi yang berlaku

accounting principle before directly recognized to retained

sebelumnya diakui langsung ke saldo laba pada pada tanggal

earnings on January 1st, 2010.

1 Januari 2010.


127





Belanja Barang Modal dan Ikatan Material untuk Investasi Barang Modal

Capital Expenditure and Material Commitment for Capital Goods Investment

Bank SULUT memiliki belanja barang modal tahun 2013 sebesar

Bank Sulut posted capital expenditure in 2013 reached to

Rp3.593 juta yang digunakan untuk pengembangan jaringan.

Rp3,593 million which is realized to develop network. Fund

Sumber dana terkait barang modal berasal dari modal sendiri.

source which is related with capital goods financed from

Perseroan melakukan transaksi investasi barang modal dalam

owned capital. The Company carries capital goods investment

mata uang rupiah.

transaction in Rupiah.

Materialitas Peningkatan Usaha

Business Development Materiality

Pendapatan

mengalami

Interest rate growth throughout 2013 posted increase from

peningkatan yaitu dari Rp836.292 juta pada tahun 2012

bunga

selama

tahun

2013

Rp836,292 million in 2012 to Rp1,704,799 million in 2013 or

menjadi Rp1.704.799 juta tahun 2013 atau meningkat sebesar

grew by 103.85%. The highest growth in nominal was acquired

103,85%. Peningkatan terbesar secara nominal diperoleh

from interest income was mainly interest of undisbursed loan

dari pendapatan bunga terutama bunga atas kredit yang

of Rp1,038,546 million or 60.92% from total operating income

diberikan sebesar Rp1.038.546 juta atau 60,92% dari jumlah

in 2013.

pendapatan usaha tahun 2013.

Dampak Perubahan Suku Bunga Terhadap Kinerja Bank

Impact of Interest Rate Towards the Bank’s Performance

Pada tahun 2013, Bank Indonesia menaikkan suku bunganya

In 2013, Bank Indonesia rose interest rate by 175 bps which

sebanyak 175 bps yang masing-masing terjadi pada bulan

each implemented in June 2013 by 50 bps to 6.5%, in August

Juni 2013 yaitu 25 bps menjadi 6,0%, bulan Juli 2013 dinaikkan

2013 increased by 50 bps to 7.0%, In September grew by 25

50 bps menjadi 6,5%, bulan Agustus 2013 naik sebesar 50 bps

bps to 7.3% and the latest in November 2013 increased by 25

menjadi 7,0%, bulan September naik 25 bps menjadi 7,3% dan

bps to 7.5%. Increase in BI rate was affected credit and saving

terakhir pada bulan November 2013 naik kembali sebesar 25

accounts.

bps 7,5%. Kenaikan BI rate tersebut berdampak terhadap suku bunga kredit maupun simpanan. Untuk mendapatkan suku bunga yang kompetitif, Bank SULUT

To acquire competitive interest rate, Bank Sulut performed

melakukan stimulasi dengan menurunkan suku bunga kredit

stimulation by decreasing business credit interest rate between

konsumtif antara 1% - 3%. Sebagai dampak dari tindakan

1% - 3%. As an impact of management action and market

manajemen dan kondisi pasar, tingkat bunga rata-rata kredit

condition, average credit and time deposit interest rate booked

dan deposito mengalami peningkatan sebesar 0,50% lebih

decreased by 0,50% lower from average interest rate in 2012.

tinggi dari suku bunga rata-rata pada tahun 2012. Secara

Generally, performance of Bank Sulut succeeded in achieving

keseluruhan, kinerja Bank SULUT telah berhasil mencapai

net income growth of 30.35%.

pertumbuhan laba bersih sebesar 30,35%.

128






Kewajiban Penyediaan Modal Minimum

Minimum Capital Adequacy Ratio (CAR)

Rasio Kecukupan modal (CAR) Bank SULUT pada tahun 2013

Capital Adequacy Ratio (CAR) of Bank Sulut in 2013 reached

mencapai 17.27% dari tahun sebelumnya sebesar 18.76%

to 17.27% from previous year of 18.76% exceeding minimum

jauh di atas persyaratan minimum Bank Indonesia sebesar

requirement of Bank Indonesia of 8%. This is indicated that Bank

8%. Hal ini menunjukkan bahwa Bank SULUT telah mematuhi

Sulut has complied with Bank Indonesia regulation regarding

ketentuan Bank Indonesia mengenai kewajiban penyediaan

minimum capital adequacy ratio liability and to reflect capital

modal minimum, sekaligus merefleksikan ketahanan modal

resliency of Bank Sulut to mitigate loss impact. CAR for 2013 has

Bank SULUT untuk menahan dampak kerugian. Rasio CAR

calculated loan risk, market risk and operational risk.

untuk tahun 2013 sudah memperhitungkan beban risiko peminjaman, risiko pasar dan risiko operasional.

Perbandingan Antara Target Awal Tahun Buku dengan Realisasi Tahun 2013 dan Proyeksi Tahun 2014

Comparison between Target at the beginning of Fiscal Year with Realization of 2013 and Projection of 2014

Perbandingan Realisasi Pendapatan dan Laba Tahun 2013 dengan Target RKAT 2013 dan Proyeksi tahun 2014

Comparison Between Revenue and Income of 2013 with Budget Plan of 2013 and Projection of 2014

(Rp juta)

(Rp million) Realisasi Tahun 2013 Realization of 2013

Target RKAT 2013 Target of Budget Plan 2013

1.704.799

1.521.897

112,02%

1.949.330

Beban Bunga Interest Expenses

977.352

643.230

151,94%

886.589

Jumlah Pendapatan Bunga Neto Net Interest Revenue

727.447

878.667

82,79%

1.062.742

Pendapatan Operasional Lainnya Non-Interest Operating Revenue

47.685

70.164

67,96%

74.548

Cadangan Kerugian Penurunan Nilai Aset Produktif Non-Interest Operating Expenses

16.783

20.082

83,57%

14.616

Beban Operasional Lainnya Operating Income (Loss)

502.390

654.396

76,77%

722.947

Laba Operasional Non-operating Income (Loss)

289.525

294.434

98,33%

414.343

Laba Sebelum Taksiran Manfaat (Beban) Pajak Penghasilan Income (Loss) Before Tax

267.906

270.858

98,91%

366.322

Laba Tahun Berjalan Income Tax

181.433

202.543

89,58%

274.742

44.461

46.373

95,88%

46.422

Pendapatan Bunga Interest Revenue

Laba bersih per saham Earning Per Share

Pencapaian % Realization (%)



129





Comparison between Financial Position in 2013 with Budget Plan 2013 Target and Projection of 2014

Perbandingan Realisasi Posisi Keuangan Tahun 2013 dengan Target RKAT 2013 dan Proyeksi tahun 2014 (Rpjuta)

(Rpmillion) Realisasi Tahun 2013 Realization of 2013


Aset Assets

7.805.462

9.598.861

81,32%

10.704.581

Liabilitas Liabilities

7.028.805

8.629.086

81,45%

9.002.295

776.659

853.856

90,96%

1.405.484

Ekuitas Equities


Comparison between Realization of Cash Flow 2013 and Target of Budget Plan 2013 and Projection of 2014

Perbandingan Realisasi Arus Kas Tahun 2013 dengan Target RKAT 2013 dan Proyeksi Tahun 2014

Realisasi Tahun 2013 Realization of 2013

130





Kas bersih dari kegiatan operasi Cash flows from operating activities

(454.329)

272.510

(166,72%)

377.084

Kas bersih dari kegiatan investasi Cash flows from investing activities

(18.253)

161.800

(11,28%)

216.744

Kas bersih dari kegiatan pendanaan Cash flows from financing activities

4.935

70.768

6,97%

96.385

Informasi dan Fakta Material Setelah Tanggal Laporan Akuntan

Subsequent Information and Material Fact After Accounting Reporting Date

Bank SULUT memiliki informasi dan fakta material yang terjadi

Bank Sulut posted subsequent information and material fact

setelah tanggal pelaporan yaitu:

after reporting date, among others:

Berdasarkan Akta Keputusan Rapat No. 138 tanggal 30

Based on the Decision Meeting Statement Deed No. 138 dated

November 2011 Notaris M.S.E Pangemanan, S.H di Manado

November 30, 2011 Notary M.S.E Pangemanan, S.H., in Manado,

telah menyetujui dan mengesahkan masuknya PT Mega

has approved and endorsed the inclusion of PT Mega Corpora

Corpora sebagai pemegang saham baru perseroan dengan

as new shareholders of the company by taking 658,328 shares

mengambil 658.328 lembar saham dengan nilai keseluruhan

with an aggregate value of Rp 65,832,800,000. - (sixtyfive

Rp65.832.800.000,- (enam puluh lima miliar delapan ratus

billion eight hundred and thirty-two million eight hundred

tiga puluh dua juta delapan ratus ribu rupiah) atau sebanyak

thousand rupiah) or as much as 24.90 %. So the number of

24,90%, sehingga jumlah saham yang beredar berjumlah

shares outstanding totaled 2,643,876 shares with a par value

2.643.876 lembar saham dengan nominal Rp264.387.600.000

of Rp 264,387,600,000. - (two hundred and sixty-four billion,

(dua ratus enam puluh empat miliar tiga ratus delapan puluh

three hundred and eighty-seven million six hundred thousand

tujuh juta enam ratus ribu rupiah).

rupiah).






Berdasarkan penjelasan Akta Pernyataan Keputusan Rapat

Based on the resolution of the Meeting of the Deed statement

No. 138 tanggal 30 November 2011 yang dibuat dihadapan

No. 138 the date November 30, 2011 made by Notary M.S.E

Notaris M.S.E Pangemanan, S.H di Manado yang telah

Pangemanan, S.H. at Manado on change by deed number: 137,

diubah dengan akta Nomor: 137, tanggal 24 Juni 2013,

dated June 24, 2013, were made the Notary M.S.E Pangemanan,

yang dibuat dihadapan Notaris M.S.E Pangemanan, S.H.,

S.H., notary in Manado, which is currently still in the process

Notaris di Manado, yang hingga saat ini masih dalam proses

of legalization from the Ministry of Law and Human Rights

pengesahan dari Kementrian Hukum dan Hak Asasi manusia

Republic of Indonesia, the result of a decision of the General

Republik Indonesia, hasil keputusan Rapat Umum Pemegang

Meeting of Shareholders to explain the conversion of share

Saham tersebut menjelaskan adanya konversi dividen saham,

dividends the entire capitalization, agio, the entry of new

kapitalisasi seluruh agio saham, masuknya pemegang saham

shareholders, conversion of capital deposit funds into the stock

baru, konversi dana setoran modal menjadi saham dan

and increase paid in capital at PT Mega Corpora and North

penambahan modal disetor PT Mega Corpora dan Daerah

Sulawesi Provinces, the composition of ownership to be as

Provinsi Sulawesi Utara.

follows:

Pada tanggal 30 Desember 2013 PT Bank SULUT mengirimkan

On date December 30, 2013 PT Bank Sulut sent a letter to Bank

surat ke Bank Indonesia dengan No.169/A/DIR/XII/2013 surat

Indonesia with no. 169/DIR/A/XII/2013 this letter explains as

ini menjelaskan sebagai berikut :

follows:

1. Pemerintah Provinsi Sulawesi Utara menyetor sebesar

1. The Provincial Government of North Sulawesi deposit

Rp40.000.000.000,- yang dikonversi menjadi saham

amounting to Rp 40.000.000.000,- which was converted

sejumlah Rp25.157.200.000,- sisanya dibukukan pada agio

to stock a number of Rp 25.157.200.000,- the rest being

saham komposisi kepemilikan saham setelah tambahan

published at agio composition share ownership after an

penyetoran menjadi 33,73%.

additional deposit be 31,47%.

2. PT Mega Corpora menyetor sebesar Rp81.601.821.000,-

2. PT. Mega Corpora deposit amounting to Rp 81.601.821.000,-

yang dikonversi menjadi saham sejumlah Rp51.321.900.000,-

which was converted to stock a number of Rp 51.321.900.000,-

sisanya dibukukan pada agio saham. Komposisi kepemilikan

the rest being published at agio. Composition of stock

saham setelah tambahan penyetoran menjadi 24,99%.

ownership after an additional deposit to 30%.

3. Penyetoran saham tersebut didasarkan pada Hasil

3. The remittance of such shares is based on the resolutions

Keputusan RUPS LB No. 137 tanggal 24 Juni 2013 pada

of the RUPS LB No. 137 dated June 24, 2013 at the fourth

keputusan keempat yang menyebutkan:

decision states:

Menyetujui:

Approval:

a. Penambahan Modal Disetor oleh PT Mega Corpora

a. Paid-up capital increase by PT Mega Corpora so ownership

sehingga kepemilikan saham PT Mega Corpora

of share of PT Mega Corpora being by 30 % of all shares

menjadi sebesar 30% dari seluruh saham yang telah

issued by the company.

dikeluarkan oleh perseroan. b. Penambahan Modal Disetor oleh Daerah Provinsi

b. The addition of the paid-up capital by an area North Sulawesi

Sulawesi Utara guna mempertahankan posisinya

Province to maintain its position as the main shareholders at

sebagai

sekaligus

once shareholders benders be is 35 % of all shares issued

pemegang saham pengendali menjadi sebesar

by the company, and at each time regions North Sulawesi

35% dari seluruh saham yang telah dikeluarkan oleh

Province entitled to maintain the ratio of its shares.

pemegang

saham

utama

perseroan, dan pada setiap waktu Daerah Provinsi Sulawesi Utara berhak untuk mempertahankan rasio kepemilikan sahamnya tersebut.


131





Atas surat manajemen No.169/A/DIR/XII/2013 maka Bank

The management letter No. 169/DIR/A/XII/2013 then Bank

Indonesia membalas surat tersebut dengan surat No. 15/23/

Indonesia replied to this letter by letter No. 15/23/DPKP/GPKB/

DPKP/GPKB/MO yang menjelaskan pada poin No.2 bahwa

MO which explains right on point No. 2 that increase paid

penambahan modal disetor oleh PT Mega Corpora akan

in capital by PT Mega Corpora will cause a corresponding

menyebabkan yang bersangkutan menjadi pemegang saham

controller shareholder (PSP) so it should be done in the process

pengendali (PSP) sehingga harus dilakukan proses fit and proper

fit and proper test. Due to this, there are several halk things to

test. Sehubungan dengan hal tersebut, terdapat beberapa hal

his notice, namely :

yang harus PT Bank SULUT perhatikan, yaitu : 1. PT Mega Corpora harus menyampaikan permohonan

1. PT Mega Corpora have to deliver the application to obtain

untuk memperoleh persetujuan calon PSP sebagaimana

approval of a candidate of the PSP as referred to in article

dimaksud dalam pasal 9 PBI No.12/23/PBI/2010 tanggal 29

9 PBI no.12/23/PBI/2010 dated December 29, 2010 about a

Desember 2010 tentang Uji Kemampuan dan Keputusan.

Capability Test and Decision.

2. PT Mega Corpora harus melengkapi permohonan

2. PT Mega Corpora must complete entreaty meant by

dimaksud dengan dokumen-dokumen sebagaimana

documents as referred to in Letter of Bank Indonesia No.

dimaksud dalam Surat Edaran Bank Indonesia No. 13/8/

13/08/DPNP date March 28, 2011 regarding Testing Ability

DPNP tanggal 28 Maret 2011 perihal Uji Kemampuan dan

and Compliance ( fit and proper tests ).

Kepatuhan (fit and proper test). 3. Penambahan Modal Disetor oleh PT Mega Corpora menjadi

3. The addition of paid-up capital by PT Mega Corpora be as

sebesar 30% dari seluruh saham yang dikeluarkan persero

much as 30 % of all shares issued persero not in accordance

tidak sesuai dengan rencana perubahan modal yang

with a plan capital changes which has been defined in

telah ditetapkan dalam Rencana Bisnis Bank (RBB) tahun

Business Plan Bank ( RBB ) 2014 - 2016, namely 24,90 %. Due

2014–2016, yaitu sebesar 24,90%. Sehubungan dengan

to with that, PT Bank Sulut has to make adjustments against

hal tersebut, PT Bank SULUT harus melakukan penyesuaian

RBB 2014 - 2016.

terhadap RBB tahun 2014–2016. 4. Penambahan modal disetor oleh PT. Mega Corpora

4. The addition of paid capital by PT Mega Corpora continued,

tersebut perlu ditegaskan kembali dalam RUPS mendatang

should reaffirmed in RUPS next considering composition

mengingat komposisi kepemilikan pemerintah Provinsi

capital possession Goverment of North Sulawesi Province

Sulawesi Utara sebagai PSP eksisting hanya mencapai

as PSP existing only reached 31 %, not match the RUPS

33,73%, tidak sesuai dengan hasil keputusan RUPS Luar

resolution remarkable on june 16 2013, namely is 35 %.

Biasa tanggal 19 Juni 2013, yaitu sebesar 35%. 5. PT Bank SULUT agar meminta kajian yuridis kepada Biro

5. PT Bank Sulut to ask study juridical to The Law Firm North

Hukum Pemerintah Provinsi Sulawesi Utara mengenai

of Sulawesi Province about whether there is less offense

ada atau tidaknya pelanggaran prosedur atau ketentuan

procedure or provisions against the entry of shareholders

terhadap masuknya Pemegang Saham Pengendali selain

benders besides local governments in company local-

Pemerintah Daerah dalam Perusahaan Badan Usaha Milik

owned enterprise ( BUMD ).

Daerah (BUMD). 6. Sebelum mendapat persetujuan dari Otoritas Jasa Keuangan, maka setoran modal PT Mega Corpora tersebut agar dicatat dalam pos Dana Setoran Modal.

132

6. Before approved by the authority financial services, subscription of capital and PT Mega Corpora to noted in the post Fund Payment of Capital.

Atas surat dari Bank Indonesia tersebut diatas maka manajemen

Over a letter from Bank Indonesia mentioned above and make

melakukan koreksi terhadap modal disetor ke dana setoran

corrections against management paid-up capital to fund

modal hingga menunggu persyaratan fit and proper test dan

payment until waitin capital requirements fit and proper tests






persyaratan lain terpenuhi, dan perubahan ini akan dibahas

and fulfilled, other requirements and this changes will discuss

pada RUPS mendatang.

on RUPS in the future. So composition paid-up capital in 2013 can be described as follows:

Selain menyetujui perubahan struktur modal dan struktur

In addition to approving the change of capital structure and

anggota dewan komisaris yang dijelaskan dalam Pernyataan

the structure of members of Board of Commissioners described

Keputusan Rapat dalam akta Nomor : 137, tanggal 24 Juni

in a statement the decision meeting in the deed number: 137,

2013, yang dibuat dihadapan Notaris M.S.E. Pangemanan,

dated June 24, 2013, were made Notary M.S.E. Pangemanan,

S.H., Notaris di Manado, juga menyetujui memberikan imbal

S.H., Notary in Manado, also agreed to provide in return results

hasil setara dengan dividen tunai tahun buku 2012 atas Dana

equivalent to a cash dividend for fiscal year 2012 Fund Deposit

Setoran Modal, atas keputusan tersebut maka manajemen

capital, over those decisions then the management yields to

memberikan imbal hasil kepada pemegang saham

shareholders.

Manajemen melakukan pembayaran imbal hasil atas Dana

Management execute payment yields on Capital Deposit

Setoran Modal didasarkan atas akta No. 137 yang ditindaklanjuti

Funds based on the deed statement No. 137 which followed

dengan Surat Direksi No. 039a/A/DIR/I/2014, tanggal 13

up with a Letter of Director no. 039a/A/DIR/I/2014, January

Januari 2014 mengenai “Pembayaran Imbal Hasil kepada PT

13, 2014 regarding "Payment Yields to PT Mega Corpora"

Mega Corpora” maka Otoritas Jasa Keuangan berdasarkan

then The Authority Financial Services based on the number of

dengan Nomor Surat : S-23/KO.61/2014 tanggal 15 Januari

letters: S-23/KO. 61/2014 date January 15, 2014, addressed to

2014, yang ditujukan kepada Direksi PT Bank SULUT meminta

the Directors of PT Bank Sulut asked that cancel the decision

agar membatalkan keputusan pemberian imbal hasil sebesar

granting yields amounting to Rp 11.287.057.405,- which has

Rp11.287.057.405,- yang telah direalisasikan pada tanggal

been realized on date December 23, 2013 and draw back funds

23 Desember 2013 dan menarik kembali dana yang telah

that have been paid. It considers that:

dibayarkan tersebut. Hal ini mempertimbangkan bahwa : 1. Pemberian imbal hasil hanya diberikan kepada pihak-pihak

1. Granting yield only be given to parties who puts funds on

yang menempatkan dana di Dana Setoran Modal (DSM)

Deposit Fund Capital with mechanism as expounded in the

dengan mekanisme sebagaimana diuraikan dalam surat

letter of Bank Indonesia.

Bank Indonesia. 2. Sesuai catatan administrasi pengawasan OJK, PT Mega

2. According to our supervision administration notes OJK, PT

Corpora tidak memiliki DSM namun memiliki Dana Pihak

Mega Corpora has no DSM but has Third-Party Funds in

Ketiga (DPK) dalam bentuk deposito dan telah diberikan

the form of deposits and interest rate is given as customer

bunga sebagaimana nasabah deposito pada umumnya.

deposits in general.

3. Pemberian imbal hasil tersebut tidak sejalan dengan

3. The granting of such yields are not in line with the

penerapan prinsip-prinsip Good Corporate Governance

application of the principles of Good Corporate Governance

(GCG) serta memiliki potensi risiko hukum terkait keuangan

(GCG) and has a potential legal risk related financial state.

negara. Berdasarkan Peraturan Bank Indonesia (PBI) Nomor 14/18/

Based on Bank Indonesia Regulations (PBI) Number 14/18/

PBI/2012 tentang ‘Kewajiban Penyediaan Modal Minimum

PBI/2012 about "Obligation Provision Minimum Capital a

Bank Umum’ Pasal 11 ayat (1) huruf a poin 8 menyatakan :

Commercial Bank" Article 11 paragraph (1) letter a point 8,

* dana setoran modal, yang memenuhi persyaratan sebagai

stated:

berikut : a. Telah disetor penuh untuk tujuan penambahan modal,

a. Have been paid in full for the purpose of capital increase, but

namun belum didukung dengan kelengkapan persyaratan

not yet supported by the completeness of requirements to

untuk dapat digolongkan sebagai modal disetor seperti

be classified as paid-in capital, such as the implementation


133





pelaksanaan Rapat Umum Pemegang Saham (RUPS)

of the general meeting of shareholders (GMS) and the

maupun pengesahan anggaran dasar oleh instansi yang

passage of the articles of Association by the authorized

berwenang;

agency;

b. Ditempatkan pada rekening khusus (escrow account) yang tidak diberikan imbal hasil; c. Tidak boleh ditarik kembali oleh pemegang saham/calon pemegang saham dan tersedia untuk menyerap kerugian;

b. Placed on special accounts (escrow account) are not given yields; c. Should not be drawn back by the shareholders / candidates shareholders and available to absorb the loss; and

dan d. Penggunaan dana harus dengan persetujuan Bank

d. The use of funds must with approval from bank indonesia."

Indonesia. Berdasarkan surat dari Otoritas Jasa Keuangan No. S-184/

Based on a letter from the Authority of Financial Services

KO.61/2014 tanggal 25 Maret 2014 yang menyatakan

No.S-184/KO.61/2014 date March 25, 2014 which expresses

penegasan bahwa apabila setoran modal PT Mega Corpora

affirmation that if the subscription capital of PT Mega Corpora

hanya sebesar Rp101.970.800.000,- dengan porsi kepemilikan

only Rp 101,970,800,000, ownership with the amount of

24,99% sebagaimana yang dimaksud dalam surat PT Bank

24,99 % as referred to in letter of PT Bank Sulut No. 10/A/AKL/

SULUT No. 010/A/AKL/DIR/I/2014 tanggal 6 Januari 2014,

DIR/ I/2014 date January 6, 2014, then excess funds PT Mega

maka kelebihan dana PT Mega Corpora tidak dapat dicatat

Corpora cannot be noted fund for capital, a contribution but

sebagai Dana Setoran Modal, melainkan tetap sebagai dana

will keep as third party funds usual.The listing of the fund in

pihak ketiga biasa. Pencatatan dana tersebut dalam pos

the post of realized full of Rp 131,185,800,000,- so pore its stake

Dana Setoran Modal hanya boleh dilakukan jika seoran PT

to be 30% as referred to in letter of PT Bank Sulut No. 169/A/

Mega Corpora terealisasi penuh sebesar Rp131.185.800.000,-

DIR/12/2013 dated December 30, 2013, but PT Mega Corpora

sehingga porsi kepemilikannya menjadi 30% sebagaimana

must be complete the requirements for the process of fit and

yang dimaksud dalam surat PT Bank SULUT No. 169/A/DIR/

proper test new PSP as highlighted by Bank Indonesia via the

XII/2013 tanggal 30 Desember 2013, Namun PT Mega Corpora

mail no. 15/23/DPKP/GPKB/Mo dated December 30, 2013.

harus segera melengkapi persyaratan untuk proses fit and proper test PSP baru sebagaimana yang telah ditegaskan oleh Bank Indonesia melalui surat No. 15/23/DPKP/GPKB/Mo tanggal 30 Desember 2013.

Prospek 2014

Prospect 2014

Perkembangan ekonomi indonesia yang diproyeksikan positif

Indonesian economic growth which is estimated to be positive

di tahun mendatang mendorong pertumbuhan usaha di sektor

in next year encourages business development in banking

perbankan. Diperkirakan, perekonomian akan ditopang oleh

sector. It is projected that economy will be supported by

sektor konsumsi dan investasi yang cukup tinggi. Sehingga

relatively high consumption and investment. So that role of the

peranan bank sebagai intermediaris akan semakin maksimal.

bank as intermediary will be more optimum.

Dalam merespon prospek 2014 yang positif, Bank SULUT

In responding positive prospect of 2014, Bank Sulut has

telah melakukan beberapa rencana kerja yang akan

performed several working olan which will be implemented in

diimplementasikan pada dua tahun mendatang. Rencana

next two years. The plan includes business to increase bank’s

tersebut meliputi usaha untuk meningkatkan kapasitas bank

capacity in collecting and disbursing fund from the public.

dalam menghimpun dan menyalurkan kembali dana yang diperoleh dari masyarakat.

134






Kondisi Persaingan pasar perbankan saat ini semakin ketat

Condition of current banking market competition is tighter

baik secara nasional maupun secara regional. Hal ini nampak

both nationally and regionally. This is illustrated on growth of

pada pertumbuhan jumlah bank dan kantor bank yang ada di

number of banks and office on Sulawesi Utara and Gorontalo

wilayah Sulawesi Utara dan Gorontalo terus bertumbuh dalam 3

Province that is progressive in last 3 (three) years. Further, range

(tiga) tahun terakhir. Selain itu, produk-produk yang ditawarkan

of products offered also more vary, either fun collecting product,

semakin beragam, baik produk penghimpunan dana, produk

fund disbursement product and bank’s services. The condition

pernyaluran dana dan jasa-jasa bank. Kondisi seperti ini

encourages Bank Sulut to develop business ability and strategy

menuntut Bank SULUT untuk mengembangkan kemampuan

in catering existing market opportunity that will remain exist

dan strategi bisnis dalam memanfaatkan peluang pasar yang

in banking business of Sulawesi Utara and Gorontalo business.

ada sehingga dapat tetap eksis dalam bisnis perbankan di Sulawesi Utara dan Gorontalo. Berkaitan dengan hal tersebut, maka strategi produk (product

In relation with respective condition, product strategy in

strategy) dalam memperkuat posisi Bank SULUT di Tahun 2014

strengthening position of Bank Sulut in 2014 is planned on

adalah direncanakan pada strategi pengembangan produk

fund product development strategy through diversification,

dana melalui diversifikasi, modifikasi dan penambahan fitur

modification and additional feature by carrying prior review

dengan terlebih dahulu melalui kajian dan analisa tingkat

and analysis of product maturity level, aiming to increase low

kejenuhan produk, dengan sasaran untuk meningkatkan

cost fund collection. Besides, for credit product a a product

penghimpunan dana murah. Selain itu untuk produk kredit

to apply banking intermediary function, in 2014, Bank Sulut

sebagai produk untuk menjalankan fungsi intermediasi

plans to disburse loan of productive sector mostly for small

perbankan, maka pada Tahun 2014 Bank SULUT merencanakan

and micro enterprise segment. While, for consumer loan, will

untuk meningkatkan penyaluran kredit pada sektor produktif

be controlled that the sector is a captive market for Bank Sulut.

terutama untuk segmen usaha kecil dan mikro. Sedangkan untuk kredit konsumtif, akan tetap dijaga sebab sektor ini adalah merupakan salah satu captive market Bank SULUT.

Aspek Pemasaran

Marketing Aspect

Untuk mendukung perkembangan ke depan, Bank SULUT

To support future development,

selama tahun 2013 aktif melakukan berbagai macam kegiatan

various marketing activities, including activity to introduce

pemasaran, termasuk di antaranya kegiatan memperkenalkan

new product and service to improve brand image of Bank

produk layanan baru dan memperkuat brand image Bank

Sulut among the customers. The activity is aimed to expand

SULUT di kalangan nasabah. Kegiatan ini bertujuan untuk

customer base to secure corporate expansive activity which is

menambah customer base guna mengamankan langkah

more focused to productive loan disbursement and increase

ekspansi perusahaan yang semakin berfokus ke peningkatan

of Third Party Fund to 75% if refers to objective towards Bank

penyaluran Kredit Produktif dan peningkatan Dana Pihak

Regional Champion.

in 2013 actively carried

Ketiga hingga 75% jika merujuk kepada tujuan Bank Regional Champion. Kegiatan pemasaran di tahun 2013 meliputi beberapa kegiatan

Marketing aspect in 2013 was including parimary activity, as

utama, yakni: (i) Program undian berhadiah SIMPEDA, (ii)

of: (i) SImpeda lottery prize program, (ii) Bank Sulut product

Penayangan iklan produk  Bank SULUT di Media nasional dan

advertisement in national and local Media, through electronic

Lokal, dilakukan melalui media elektronik maupun media

and printed media, Sponsorship, (iii) Customer Gathering with

cetak, Sponsorship, (iii) Customer Gathering dengan nasabah

potential customers, (iv) Outlet opening in participating on

potensial, (iv) Pembukaan outlet dalam keikutsertaan pada

exhiitions and mall.

pameran-pameran dan mall.


135





Kebijakan Dividen & Kronologi Pembayaran Dividen

Dividend Policy & Chronology of Dividend Distribution

Besaran dividen (Pendapatan Asli Daerah/PAD) ditentukan

Amount of dividend (Regional Revenue) is determined based

berdasarkan Akta Keputusan Rapat Umum Pemegang Saham.

on Deeds of Notarial Meeting Decision. Bank Sulut distributed

Bank SULUT membagikan dividen kepada pemegang saham,

dividend to shareholders, as illustrated on following table:

sebagaimana terlihat dari tabel berikut: Pembayaran Dividen 2011 s/d 2012 Uraian Description Laba bersih setelah pajak Net Income

2011

2012

72.498.222.673

139.191.189.348

90%

90%

65.248.400.406

125.272.070.414

Dividen Saham dividend Shares

20%

20%

Dividen Tunai Cash Dividend

80%

70%

24.679

47.382

Persentase dividen Dividend Percentage Dividen yang dibagikan Distributed Dividend

Dividen per lembar saham Dividend per share

Program kepemilikan saham oleh karyawan dan/atau manajemen yang dilaksanakan perusahaan (ESOP/MSOP)

Employee Shares Ownership Program/ Management Shareownership Program

Bank SULUT tidak memiliki program kepemilikan saham oleh

Bank Sulut does not have employee and/or shareownership

karyawan dan/atau manajemen yang dilaksanakan oleh

program which is carried by the Company.

Perusahaan.

136

Dividend Distribution 2011 to 2012






Rencana dan Realisasi Penggunaan Dana Obligasi

Bonds Proceeds Plan and Realization

Obligasi IV yang dikeluarkan Bank SULUT pada tahun 2010

Bonds IV of Rp400 billiion consisted of Bonds of Rp390 billion

sebesar Rp400 miliar terdiri dari obligasi sebesar Rp390 miliar

with loan of Rp10 billion. Thus, as a realization, Bank Sulut

dan pinjaman sebesar Rp10 miliar. Namun, realisasinya, Bank

allocates to settle Bonds III and loan expansion.

SULUT menggunakan untuk melunasi Obligasi III dan ekspansi kredit.

Informasi material mengenai investasi, ekspansi, divestasi, penggabungan/peleburan usaha, akuisisi atau restrukturisasi utang/modal

Material Information Related with Investment, Expansion, Divestment, Business Merger, Debt/Structure Restructuring

Investasi

Investment

Bank SULUT tidak melakukan transaksi investasi pada tahun

Bank Sulut did not perform investment transaction in 2013.

2013.

Ekspansi

Expansion

Bank SULUT tidak melakukan transaksi ekspansi pada tahun

Bank Sulut did not perform expansion transaction in 2013.

2013.

Divestasi

Divestment

Bank SULUT tidak melakukan transaksi divestasi pada tahun

Bank Sulut did not perform divestment transaction in 2013.

2013.

Penggabungan/Peleburan Usaha

Business Merger

Bank SULUT tidak melakukan transaksi penggabungan/

Bank Sulut did not perform business merger transaction in

peleburan usaha pada tahun 2013.

2013.

Akuisisi

Acquisition

Bank SULUT tidak melakukan transaksi akuisisi pada tahun 2013.

Bank SULUT did not perform acquisition transaction in 2013.


137





Restrukturisasi Utang/Modal

Debt/Capital Restructuring

Bank SULUT tidak melakukan transaksi restrukturisasi utang/

Bank Sulut did not perform debt/capital restructuring

modal pada tahun 2013.

transaction in 2013.

Informasi transaksi material yang mengandung benturan kepentingan dan/ atau transaksi dengan pihak afiliasi

Material Information Containing Conflict Interest and/or Transaction with Affiliated Party

Dalam menjalankan bisnis tentunya suatu entitas memerlukan

In carrying the business, an entity requires business partner to

mitra usaha untuk menunjang operasional usaha. Selama

support business operational. Throughout 2013, Bank Sulut

tahun 2013 Bank SULUT menjalin kerjasama dengan beberapa

develops partnership with several business partners, as follows:

mitra usaha, antara lain :

No

138

Pihak Berelasi Related Party

Sifat Hubungan Istimewa Nature of Commitment

Transaksi Transaction

1

Karyawan kunci Key Personnel

Commisioners, Director, Head of Branch and Head of Division

Saving and Credit

2

Propinsi Sulawesi Utara Sulawesi Utara Province

Shareholder

Current account and deposit

3

Kabupaten Minahasa Minahasa Regent

Shareholder


4

Kabupaten Bolaang Bolaang Regent

Shareholder

Current account

5

Kabupaten Gorontalo Gorontalo Regent

Shareholder


6

Kota Manado Manado City

Shareholder


7

Kota Gorontalo Gorontalo City

Shareholder


8

Kabupaten Sangihe Sangihe Regent

Shareholder


9

Kota Bitung Bitung City

Shareholder


10

Kabupaten Boalemo Boalemo Regent

Shareholder


11

Kota Tomohon Tomohon City

Shareholder

Current account

12

Kabupaten Minahasa Selatan Minahasa Selatan Regent

Shareholder

Current account

13

Kabupaten Pahuwatu Pahuwatu Regent

Shareholder


14

Kabupaten Minahasa Utara Minahasa Utara Regent

Shareholder

Current account

15

Kabupaten Bone Bolango Bone Bolango Regent

Shareholder


16

Kop.Kar. PT Bank SULUT PT Bank Sulut Employee Cooperative

Shareholder

Current account



No


Pihak Berelasi Related Party


Sifat Hubungan Istimewa Nature of Commitment


Transaksi Transaction

17

PT BPR Prisma Dana

Association Company


18

PT Mega Corpora

Shareholder


Transaksi Material dengan Pihak Berelasi

Material Transaction with Related Party

Bank melakukan beberapa transaksi dengan pihak yang

The Bank Carried several transaction with special party in 2013.

memiliki hubungan istimewa pada tahun 2013. Transaksi

The transaction was including loan disbursement, investment,

tersebut meliputi pemberian kredit, penyertaan, giro,

current accounts, saving accounts and time deposit. Based

tabungan dan deposito. Berdasarkan jumlah kredit yang

on loans, composition of total related aprty transaction was

diberikan, komposisi jumlah transaksi dengan pihak berelasi

relatively grew by 44.82% to Rp24,021 million from Rp16,587

cenderung meningkat sebesar 44,82% menjadi Rp24.021 juta

million in 2012.

dari Rp16.587 juta pada tahun 2012.

Perubahan Peraturan dan Dampaknya Terhadap Kinerja Bank NO

PERATURAN Regulation

1.

PBI Nomor 14/26/PBI/2012 Tanggal 27 Desember 2012 Tentang Kegiatan Usaha Bank dan Jaringan Kantor Berdasarkan Ketersediaan Modal Inti Bank PBI No. 14/26/PBI/2012 dated December 27th, 2012 regarding Business Activity and Office Network of the Bank based on Availability of Bank’s Core Capital

Changes in Regulation and Impact of the Bank’s Performance DAMPAK Impact Dibatasi pengembangan jaringan kantor selain Propinsi Sulut dan Gorontalo Ada beberapa kegiatan usaha bank yang harus disesuaikan dengan aturan PBI tersebut terutama penyertaan modal pada BPR Prisma dana Restricted by office network expansion except Sulut and Gorontalo Provinces. Several business activities of the Bank which have to be aligned with PBI mainly share investment with BPR Prisma dana

2.

SE BI Nomor 15/41/DKMP Tanggal 1 Oktober 2013 Tentang Perhitungan Giro Wajib Minimum (GWM) Sekunder dan Giro Wajib Minimum (GWM) Berdasarkan Loan to Deposit Ratio dalam Rupiah

Pembatasan ekspansi kredit yang berpengaruh kepada komponen keuangan yaitu pendapatan bunga Credit expansion restriction which will affect financial component of interest income

SE BI No. 15/41/DKMP dated October 1st, 2013 regarding Calculation of Secondary Minimum Statutory Reserves and Minimum Statutory Reserves based on Loan to Deposit Ratio in Rupiah


139





Perkembangan Terakhir Standar Akuntansi Keuangan dan Dampaknya Terhadap Laporan Keuangan

Latest Trend of Financial Accounting Standard and Impact Towards the Financial Statements

Standar Akuntansi Keuangan (SAK) baru yang telah disahkan

A new Financial Accounting Standard are legally by Financial

oleh Dewan Standar Akuntansi Keuangan - Ikatan Akuntan

Accounting Standard Board - The Indonesian Accountant

Indonesia (DSAK - IAI), yang berlaku efektif untuk periode tahun

Institute (DSAK - IAI), effectively for the period started in or after

buku yang dimulai pada atau setelah 1 Januari 2011, yaitu:

January 1, 2011, are:

- PSAK No. 1 (revisi 2009) – Penyajian Laporan Keuangan;

• PSAK No. 1 (revised 2009) - Presentation of Financial

Standar ini akan menggantikan PSAK No. 1 (revisi 1998)

Statement; replaced PSAK No. 1 (revised 1998) Presentation

Penyajian Laporan Keuangan

of Financial Statement.

-

PSAK No. 2 (revisi 2009) – Laporan Arus Kas; Standar ini akan menggantikan PSAK No. 2 (revisi 1994) Laporan Arus Kas

• PSAK No. 2 (revised 2009) - Statement of Cash Flows; this standard will replace PSAK No. 2 (revised 1994) Statement of Cash Flows.

- PSAK No. 4 (revisi 2009) – Penyajian Laporan Keuangan

• PSAK No. 4 (revised 2009) - Presentation of Cosolidated

Konsolidasian dan Laporan Keuangan Tersendiri; Standar

Financial Statement and Special Financial Statement; this

ini akan menggantikan PSAK No. 4 Laporan Konsolidasi

standard will Replace PSAK No. 4 Consolidated Statement.

-

PSAK No. 5 (revisi 2009) - Segmen Operasi; Standar ini akan menggantikan PSAK No. 5 (revisi 2000) Pelaporan Segmen.

• PSAK No. 5 (revised 2009) - Operation Segment; this standard will Replace PSAK No. 5 (revised 2000) Segment Reporting.

- PSAK No. 7 (revisi 2010) - Pihak-pihak Berelasi; Standar ini

• PSAK No. 7 (revised 2010) - Related Parties; this standard

akan menggantikan PSAK No. 7 (revisi 1994) Pengungkapan

will Replace PSAK No. 7 (revised 1994) Disclosure of Related

Pihak-Pihak Yang Mempunyai Hubungan Istimewa.

Parties.

-

PSAK No. 12 (revisi 2009) - Bagian Partisipasi dalam Ventura Bersama.

• PSAK No. 12 (revised 2009) - a Part of Participation in Join Venture.

- PSAK No. 15 (revisi 2009) – Investasi pada Entitas Asosiasi;

• PSAK No. 15 (revised 2009) - Investments in Associates

Standar ini menggantikan PSAK 15 (1994) Akuntansi untuk

Entity; this standard will replace PSAK 15 (1994) Accounting

Investasi dalam Perusahaan Asosiasi.

for Investments in Associate.

-

PSAK No. 19 (revisi 2010) - Aset Tidak Berwujud; Standar ini menggantikan PSAK 19 (2000) Aktiva Tidak Berwujud.

- PSAK No. 23 (revisi 2010) - Pendapatan; Standar ini menggantikan PSAK 23 (1994) Pendapatan.

• PSAK No. 19 (revised 2010) - Intangible Assets; this standard will replace PSAK 19 (2000) Intangible Assets. • PSAK No. 23 (revised 2010) - Income; this standard will replace PSAK 23 (1994) Income.

- PSAK No. 25 (revisi 2009) - Kebijakan Akuntansi,

• PSAK No. 25 (revised 2009) - Acounting Policies, Changes in

Perubahan Estimasi Akuntansi, dan Kesalahan; Standar ini

Accounting Estimates and Errors; this standard will replace

menggantikan PSAK 25 (1994) Laba atau Rugi Bersih untuk

PSAK 25 (1994) Net Profit and Loss for Current Year, Basic

Periode Berjalan, Kesalahan Mendasar, dan Perubahan

Errors, and Changes in Accounting Policies.

Kebijakan Akuntansi. -

PSAK No. 48 (revisi 2009) - Penurunan Nilai Aset; Standar ini menggantikan PSAK 48 (1998) Penurunan Nilai Aktiva.

140

• PSAK No. 48 (revised 2009) - Impairment of Assets; this standard will replace PSAK 48 (1998) Impairment of Assets.

- PSAK No. 57 (revisi 2009) - Provisi, Liabilitas, Kontijensi

• PSAK No. 57 (revised 2009) - Provisions, Liability, Contingent

dan Aset Kontijensi; Standar ini menggantikan PSAK 57

and Contingent Assets; this standard will replace PSAK

(2000) Liabilitas di estimasi, Liabilitas Kontijensi dan Aktiva

57 (2000) Estimated Liabilities, Contingent Liability and

Kontijensi.

Contingent Assets.






- PSAK No. 58 (revisi 2009) - Aset tidak Lancar yang dimiliki

• PSAK No. 58 (revised 2009) - Non Current Assets owned to

untuk dijual dan Operasi yang dihentikan; Standar ini

Sell and Stopped Operation; this standard will replace PSAK

menggantikan PSAK 58 (2003) Operasi Dalam Penghentian.

58 (2003) Operation in Retirement.

- ISAK No. 7 (revisi 2009) - Konsolidasi Entitas Bertujuan Khusus. - ISAK No. 9 - Perubahan atas Liabilitas Aktivitas Purna Operasi, Restorasi dan Liabilitas Serupa. - ISAK No. 10 - Progam Loyalitas Pelanggan; Standar ini akan diadopsi sebagai pelengkap PSAK No. 23 (revisi 2010) Pendapatan.

• ISAK No. 7 (revisi 2009) - Consolidated Entity of Specified Purpose. • ISAK No. 9 - Changes in the Activity Liability Full Operation, Restoration and Similar Liabilities. • ISAK No. 10 - Loyality Customer Program; this standard will be adopted as a subtitutes PSAK No. 23 (revised 2010) Income.

-

ISAK No. 11 - Distribusi Aset Non Kas kepada Pemilik.

• ISAK No. 11 - Distribution Non Cash Assets to the Owner.

-

ISAK No. 12 - Pengendalian Bersama Entitas: Kontribusi Non

• ISAK No. 12 - Common Control Entity: Non Monetary

Moneter oleh Venturer. -

Contribution by Venturer.

ISAK No. 14 (revisi 2010) - Aset Tidak Berwujud - Biaya Situs

• ISAK No. 14 (revised 2010) - Intangible Assets - Web Site

Web; Standar ini akan diadopsi sebagai pelengkap PSAK

Expenses; this standard will be adopted as a substitutes

No. 19 (revisi 2010) Aset Tidak Berwujud.

PSAK No. 19 (revised 2010) Intangible Assets.

- Bank dalam proses melakukan evaluasi terhadap dampak yang akan timbul dari penerapan revisi standar ini terhadap

• Bank in a process of evaluation for the effects of these revised standard on the Financial Statements

Laporan Keuangan.

Kontribusi Kepada Negara

Contribution to State

Pada tahun 2013, Utang Pajak PPh Pasal 29 Bank SULUT tercatat

In 2013, Taxes Payeble of Income Tax Article 29 of Bank Sulut

sebesar Rp14.883 juta yang mana mengalami penurunan

reached to Rp14,883 million which decreased by 25.91% from

25,91% dibanding pada tahun 2012 sebesar Rp20.089 juta.

2012 of Rp20,089 million.


141




Tata Kelola Perusahaan Good Corporate Governance

142

Komitmen dan Konsistensi Penerapan Tata Kelola Perusahaan Commitment And Consistency Of Corporate

144

Road Map Tata Kelola Perusahaan Corporate Governance Roadmap

146

Rapat Umum Pemegang Saham General Meetings of Shareholders (GMS)

149

Dewan Komisaris The Board Of Commissioners

153


162

Informasi Mengenai Pemegang Saham Utama Information of Majority Shareholders

168

Komite Audit Audit Committee

172

Komite Pemantau Risiko Risk Monitoring Committee

181

Komite Remunerasi dan Nominasi Remuneration and Nomination Committee

187

Sekretaris Perusahaan Corporate Secretary

191

Penerapan Fungsi Kepatuhan Compliance function Implementation

193

Unit Audit Internal Internal Audit Unit

194

Penjelasan Mengenai Akuntan Perseroan Description of Corporate Accountant

196

Manajemen Risiko Risk Management

197

Sistem Pengendalian Internal Internal Audit System

214

Akses Informasi Information Access

215

Kode Etik Code Of Conduct

217







"Bank SULUT senantiasa melakukan check list (self assessment) dalam rangka memperbaiki penerapan GCG dari tahun ke tahun" "Bank Sulut conducts check list (self-assessment) to improve GCG implementation within years."


143





Komitmen dan Konsistensi Penerapan Tata Kelola Perusahaan Commitment And Consistency Of Corporate

Perkembangan industri perbankan yang sangat pesat dibarengi dengan kompleksitas kegiatan usaha bank mengakibatkan terjadinya peningkatan eksposur risiko bank. Dalam kondisi seperti ini, industri perbankan membutuhkan suatu tatanan yang baik untuk mengelola perusahaan. Baning industry rapid development is followed by complexity of bank’s business which encouraged increasing risk exposure of the bank. On this condition, banking industry requires acceptable order to manage the Company.

Tatanan tersebut dikenal dengan nama Good Corporate

The order is acknowledged as Good Corporate Governance

Governance (GCG), yang dalam pelaksanaannya bertujuan

(GCG), which in the implementation aims to improve

untuk meningkatkan kinerja Bank, melindungi pemangku

performance of the Bank, protect the stakeholders and

kepentingan

terhadap

enhance compliance of regulation, law and ethical values

peraturan dan perundang-undangan serta nilai-nilai etika

dan

meningkatkan

kepatuhan

which are generally prevailed on banking industry. Principally,

yang berlaku secara umum pada industri perbankan. Pada

GGC implementation on banking industry is highly important

hakikatnya, penerapan GCG pada industri perbankan sangat

both for current and future period, due to risk and challenge

penting baik untuk saat ini maupun di masa yang akan datang,

faced by banking industry will always dynamic and complex

karena risiko dan tantangan yang dihadapi oleh industri

in years.

perbankan akan selalu dinamis dan semakin kompleks dari tahun ke tahun.

144






Dalam pelaksanaan GCG, Bank SULUT senantiasa berlandaskan

In implementing GCG, Bank Sulut always refers to 5 (five) basic

pada 5 (lima) prinsip dasar sebagai berikut:

principles, among others:

1) Transparansi (transparancy), yaitu keterbukaan dalam

1. Transparency, a transparency in disclosing material and

mengemukakan informasi yang material dan relevan serta

relevant information and transparency of decision making

keterbukaan dalam melaksanakan proses pengambilan

process.

keputusan. 2) Akuntabilitas (accountability), yaitu kejelasan fungsi dan

2. Accountability, a clarity of function and accountability of

pelaksanaan pertanggungjawaban organ bank sehingga

Bank’s organ that the management will be effective.

pengelolahannya berjalan secara efektif. 3) Pertanggungjawaban (responsibility), yaitu kesesuaian pengolahan

bank

dengan

peraturan

3. Responsibility, a conformity berween management

perundang-

of the bank and prevailing regulation and sound bank

undangan yang berlaku dan prinsip-prinsip pengelolahan

management principles.

bank yang sehat. 4) Independensi (independency), yaitu pengolahan bank

4. Independency, a professional management of the bank

secara profesional tanpa pengaruh/tekanan dari pihak

without any pressure/influence from any party.

manapun. 5) Kewajaran (fairness), yaitu keadilan dan kesetaraan

5. Fairness, an equal and fairness in fulfilling rights of

dalam memenuhi hak-hak pemangku kepentingan yang

stakeholders which is occured based on commitment and

timbul berdasarkan perjanjian dan peraturan perundang-

prevailing regulation.

undangan yang berlaku. Guna

mendukung

prinsip-prinsip

GCG

dan di

mengoptimalkan atas,

Bank

SULUT

penerapan

To

support

and

optimize

above-mentioned

GGC

berupaya

implementation, Bank Sulut seeks to implement the practice

mengimplementasikan pelaksanaannya secara menyeluruh

comprehensively and continuously in every operational

dan berkesinambungan dalam setiap aktivitas usaha

activity and level of organization of management and

operasional oleh seluruh tingkatan atau jenjang organisasi

employee starting from Board of Commissioners, Board of

yakni seluruh pengurus dan karyawan Bank mulai dari Dewan

Directors to employee in lower level.

Komisaris, Direksi sampai kepada pegawai tingkatan paling bawah. Pada tahun 2013, penerapan GCG di Bank SULUT terbukti

In 2013, GCG implementation in Bank Sulut was proven

semakin membaik dibandingkan tahun-tahun sebelumnya.

improving from previous year. This was due o assessmetn of

Hal ini dikarenakan, pengukuran tingkat kepatuhan Bank

Bank Sulut’s compliance in implementing GCG using check

SULUT dalam menerapkan GCG, menggunakan check list (self

list (Self-asessment with the assessment result presented as

assessment) dimana hasil penilaian dikeluarkan dalam bentuk

composite value.

nilai komposit.


145





Roadmap Tata Kelola Perusahaan Corporate Governance Roadmap

Bank SULUT sepenuhnya menyadari bahwa tuntutan dunia usaha dan status Perseroan sebagai perusahaan publik, mengharuskan Perseroan menerapkan tata kelola perusahaan yang baik (GCG) dalam proses bisnis dan seluruh aspek pengelolaan perusahaan. Bank Sulut is fully aware that demand from business sector and status of the Company as public company, which obligates the Company to implement Good Corporate Governance (GCG) on business process and every management aspect of the Company.

Prinsip-prinsip yang terkandung dalam GCG seperti:

The principles of GCG such as transparency, accountability,

keterbukaan,

pertanggungjawaban,

responsibility, independency, and fairness, is assured to

independensi, dan kesetaraan/keadilan, diyakini mampu

akuntabilitas,

become strong foundation for the establishment of structure,

menjadi fondasi yang kokoh bagi terbentuknya struktur,

system and corporate culture which is adaptable against

sistem, dan kultur perusahaan yang adaptif terhadap

business circumstances shifting.

perubahan lingkungan bisnis. Dalam rangka penerapan GCG dikenal 3 (tiga) tahapan yang

Related with the GCG implementation, 3 (three) stages

menggambarkan suatu road map pencapaian tata kelola

are noticed which illustrate roadmap of Good Corporate

perusahaan yang baik, yaitu Tahap ke-1 Good Corporate

Governance achievement, 1st phase of Good Corporate

Governance (GCG), Tahap ke-2 Good Governed Corporation dan

Governance, 2nd phase of Good Governed Corporation, and

Tahap ke-3 Good Corporate Citizen. Masing-masing tahapan

3nd phase of Good Corporate Citizen. Each of the stage holds

memiliki karakteristik ukuran dan tingkat pencapaian serta

characteristic of achievement indicator and achievement

hasil yang diperoleh.

level and result which is succeded to be realized.

Tabel berikut menunjukkan beberapa indikator yang secara spesifik menggambarkan tahapan pencapaian implementasi GCG (sumber: Komite Nasional Kebijakan GCG/KNKG).

GOOD CORPORATE GOVERNANCE (GCG)

GOOD GOVERNED CORPORATION (GGC)

GOOD CORPORATE CITIZEN (GCC)

TUJUAN: Objectives: Mematuhi peraturan dan hukum yang berlaku (kewajiban dan sukarela)

146


Untuk membentuk manajemen ‘internal control’ yang lebih baik terutama dalam menangani risiko bisnis yang efektif melalui manajemen risiko yang tepat Mematuhi peraturan dan hukum yang berlaku (kewajiban dan sukarela)

Mencapai posisi sebagai perusahaan yang beretika dan bertanggungjawab, juga dikenal sebagai perusahaan yang menjadi warga masyarakat yang baik



Complying with prevailing regulation and law (compulsory and voluntary)



To establish better “internal control” management mainly in effectively mitigating business risk through accurate risk management

To achieve position as ethical and responsible company, also acknowledge as Good Corporate Citizen (GCC)

1. Sosialisasi GCG yang Intensif dan ekstensif dan juga penilaian yang berkala 2. Aplikasi prinsip-prinsip GCG ke dalam proses bisnis SOP 3. Membentuk kerangka sistem internal control yang terintegrasi dan program manajemenrisiko 4. Membentuk program etika dan kepatuhan

1. Membangun budaya perusahaan berdasarkan code of conducts sebagai bagian kehidupan perusahaan sehari-hari 2. Menjalankan Strategi Perusahaan yang bertanggung jawab sosial secara efektif 3. Mengimplementasi “Sistem Operasi Perusahaan Hijau” 4. Menyesuaikan semua sistem dan prosedur yang sesuai. Membangun sistem manajemen yang unik

AKTIVITAS: ACTIVITY: 1. Menjalankan penilaian GCG untuk mendapatkan status implementasi GCG 2. Merumuskan dan menetapkan manual GCG: • GCG code • Board Manual • Committee’s Charters (Audit Committee, GCG Committee, etc.) • Code of Conducts • GCG Self-assessment 3. Sosialisasi dan memulai implementasi 1. Conducting GCG Assessment to obtain GCG implementation status. 2. Formulating and implementing GCG Manual: • GCG code • Board Manual • Committee’s Charters (Audit Committee, GCG Committee, etc.) • Code of Conducts • GCG Self-assessment 3. Socialization and Starting the implementation

1. Intensive and extensive GCG Socialization and periodic assessment 2. GCG principles assessment to Business Process SOP 3. Establishing integrated internal control system and risk management program framework 4. Developing ethics and compliance program

1. Developing corporate culture based on code of conducts as part of daily life 2. Carrying corporate strategy which is effectively social responsible 3. Implementing “Green Company Operating System” 4. Aligning every appropriate system and procedure. Establishing distinguish management system

INDIKATOR Indicators 1. Semua manual GCG telah selesai 2. Kesadaran GCG meningkat 3. Kepatuhan terhadap peraturan dan hukum yang berlaku telah meningkat 4. Struktur ‘internal control ‘mulai dibentuk

1. Semua SOP adalah berdasarkan risiko dan prinsip-prinsip yang berlandaskan GCG 2. Operasi bisnis dikendalikan secara efektif 3. Budaya penanganan risiko mulai ditimbulkan

1. Dikenal sebagai perusahaan yang beretika 2. Kontribusi yang nyata dan dapat diukur pada kesejahteraan:komunitas lokal, Negara dan dunia 3. Memberi perhatian dan peduli terhadap lingkungan

1. Every GCG manual has been completed. 2. Increasing GCG awareness 3. Increasing Compliance against prevailing law and regulation. 4. Internal control structure is started to be established

1. Every SOP has been based on GCG-based principles 2. Business practice is effectively managed 3. Risk management culture is fostered

1. Acknowledged as ethical company 2. Concrete and measurable contribution indicated from welfare of: community, local, State and world 3. Providing awareness and concern to the environment


147





HASIL: Result: Peningkatan dalam kepatuhan dan kendali manajemen yang lebih baik yang menghasilkan peningkatan kinerja Improving compliance and better management control which delivered performance improvement

Kinerja perusahaan meningkat dan juga rating credit meningkat Improving performance and credit rating

Diakui sebagai: • • •

Perusahaan Blue chip Tempat yang sangat diinginkan untuk bekerja Menerima banyak penghargaan

Admitted as: • • •

Blue chip Company Desirable place to work Receiving awards

Berdasarkan road map di atas, Perseroan secara terencana

Based on above-mentioned roadmap, the Company complies

memenuhi ketentuan yang terkandung dalam prinsip-prinsip

with regulation which is consisted with GCG principles

GCG. Berbagai upaya yang telah dilakukan Perseroan antara

requirement orderly. Several efforts which has been carried

lain:

by the Company, among others:

1. Penyempurnaan Panduan Tata Kelola (GCG Code)

1. Improvement of GCG Code.

2. Panduan Perilaku (Code of Conduct)

2. Code of Conduct.

3. Draft Panduan Komisaris dan Direksi (Board Manual)

3. Board Manual.

4. Struktur Tata Kelola Perusahaan

4. Corporate Governance Structure.

Berdasarkan aktivitas yang dikembangkan pada tahun

Based on activity which is developed in 2013, Bank Sulut has

2013, Bank SULUT telah memenuhi semua ketentuan dan

complied with provision and regulation on the 1st stage of

regulasi pada tahap ke-1 yaitu Good Corporate Governance.

Good Corporate Governance. Further, the Company will

Ke depan, Perseroan mulai memusatkan pada berbagai

start to focus on several GCG implementation activity which

aktivitas implementasi GCG yang mengarah pada tercapainya

lead to achievement of some indicators as a Good Governed

berbagai indikator sebagai Perusahaan Yang Telah Terkelola

Corporation (GGC), by improving effective business risk

Dengan Baik atau Good Governed Corporation (GGC), dengan

mitigation through implementation of accurate internal

meningkatkan penanganan risiko bisnis yang efektif melalui

control and risk management.

penerapan internal control dan manajemen risiko yang tepat.

Struktur Tata Kelola

Governance Structure

Organ utama GCG di Perseroan adalah:

GCG main organ in the Company are:

•

• General Meetings of Shareholders (GMS) as a decision

Rapat Umum Pemegang Saham (RUPS) sebagai forum pengambilan

keputusan

bagi

Pemegang

Saham

making forum for the Shareholders.

Perseroan

148

•

Dewan Komisaris sebagai Pengawas Perseroan

• Board of Commissioners as supervisor of the Company.

•

Direksi sebagai Pengurus Perseroan

• Board of Directors as managment of the Company.






Rapat Umum Pemegang Saham (RUPS)

General Meetings of Shareholders (GMS)

RUPS merupakan organ GCG yang memiliki kewenangan

GMS as GCG Organ has an authority which is not possessed

yang tidak dimiliki oleh Direksi ataupun Dewan Komisaris,

by the Board of Directors or Board of Commissioners, based

sesuai dengan batasan yang ditentukan dalam undang-

on limitation as determined on law and Articles of Association.

undang serta anggaran dasar. Beberapa kewenangan

Several authorities which are held by GMS is to propose

yang

meminta

accountability from the Board of Directors and Board of

pertanggungjawaban Direksi maupun Dewan Komisaris

Commissioners regarding management of the Company,

dalam hal pengelolaan Perseroan, perubahan anggaran dasar,

amendment of Articles of Association, appointment and

pengangkatan dan pemberhentian Direktur dan anggota

dismissal of Board of Directors and Board of Commissioners

Dewan Komisaris, pembagian kewenangan maupun tugas

or management duty among the Board of Directors and other

kepengurusan di antara Direktur, dan lain-lain.

duties.

Pengambilan keputusan yang dilakukan dalam RUPS

Decision making which is carried by GMS is performed fairly

dilakukan

by promoting transparency. Besides, on the decision making,

aspek

dimiliki

oleh

secara

transparansi.

RUPS

adalah

wajar

dengan

Selain

itu,

untuk

mengedepankan

dalam

pengambilan

GMS has to concern and consider several important aspect

keputusan tersebut RUPS harus memperhatikan dan

related with long-term interest of the Company as well as other

mempertimbangkan berbagai hal penting terkait dengan

interests in the Company. The GMS or shareholders do not have

kepentingan Perseroan jangka panjang berikut juga dengan

an authority to interfere duty, function and authority of Board

kepentingan-kepentingan lainnya dalam Perseroan. RUPS

of Commissioners and Board of Directors. Thus, this doesn’t

ataupun pemegang saham tidak memiliki kewenangan untuk

recede authority of GMS to carry its rights and obligations

melakukan intervensi terhadap tugas, fungsi dan wewenang

based on Article of Association and law.

dari Dewan Komisaris maupun Direksi. Namun demikian, hal tersebut tidak berarti mengurangi kewenangan RUPS dalam rangka menjalankan hak dan kewajibannya sesuai dengan anggaran dasar dan undang-undang.

Agenda dan Keputusan RUPS 2013

Agenda and Decision of GMS 2013

Selama tahun 2013, Bank SULUT telah menyelenggarakan

Throughout 2013, Bank Sulut held one Extraordinary General

satu kali Rapat Umum Pemegang Saham Luar Biasa dan

Meetings of Shareholders and Annual General Meetings of

Rapat Umum Pemegang Saham Tahunan yang dilaksanaan

Shareholders simultaneously. Extraordinary General Meetings

bersamaan. Rapat Umum Pemegang Saham Luar Biasa

of Shareholders (EGMS) and Annual General Meetings of

(RUPS-LB) dan Rapat Umum Pemegang Saham Bank SULUT

Shareholders (AGMS) were carried on June 19th, 2013 and

dilaksanakan pada tanggal 19 Juni 2013 dan hasil dituangkan

stated on Deed No. 136 and 137 dated June 24th, 2013 made

dalam akta No. 136 dan 137 tanggal 24 Juni 2013 yang dibuat

by Notary M.S.E. Pangemanan, SH and EGMS dated June 19th,

oleh Notaris M.S.E. Pangemanan, SH dan RUPS-LB tanggal 19

2013, as follows:

Juni 2013 sebagai berikut: 1. Menyetujui penambahan modal disetor oleh PT Mega

1. Approving additional paid-in capital from PT Mega Corpora

Corpora sehingga kepemilikan saham PT. Mega Corpora

with share ownership of PT Mega Corpora is to 30% (thirty

menjadi sebesar 30% (tiga puluh persen) dari seluruh

percent) from total shares issued by the Company.

saham yang telah dikeluarkan oleh Perseroan


149





2. Menyetujui penambahan modal disetor oleh Daerah

2. Approving additional paid-in capital for Sulawesi Utara

Propinsi Sulawesi Utara guna mempertahankan posisinya

Pronvice to maintain position of majority and controlling

sebagai Pemegang Saham utama sekaligus Pemegang

shareholders to 35% from total shares issued by the

Saham Pengendali menjadi sebesar 35% dari seluruh

Company, and Sulawesi Utara Province may preserve its

saham yang telah dikeluarkan oleh Perseroan, dan pada

share ownership ratio at any time.

setiap waktu Daerah Provinsi Sulawesi Utara berhak untuk mempertahankan rasio kepemilikan sahamnya tersebut. pembatasan

3. Approving that division and restriction of duty and authority

tugas dan wewenang diantara pengurus Perseroan

among the management which has been prepared by

yang disusun oleh Direksi dengan persetujuan Dewan

the Board of Directors under approval from Board of

Komisaris Perseroan.

Commissioners.

3. Menyetujui

bahwa

pembagian

dan

4. Menyetujui untuk mendelegasikan kepada Dewan

4. Approving and delegating to the Board of Commissioners

Komisaris Perseroan untuk menentukan remunerasi,

to determine remuneration, allowance and facility of the

tunjangan dan fasilitas pengurus Perseroan dengan

management under certain limit determined by Controlling

batasan yang ditentukan oleh Pemegang Saham

Shareholders of the Company.

Pengendali Perseroan. 5. Menunjuk Gubernur Sulawesi Utara atau kuasanya

5. Appointing Governor of Sulawesi Utara or its attorney as

sebagai wakil pemegang saham untuk menandatangani

a representative of shareholders to sign on the Minutes

risalah rapat tersebut bersama-sama Komisaris Utama

of Meetings altogether with President Commissioners as

sebagai ketua rapat.

Chairman of the meeting.

6. Menunjuk dan memberikan kuasa kepada Tuan Alexius Lembong untuk melakukan segala sesuatu yang berhubungan dengan keputusan rapat tersebut termasuk menghadap notaris untuk dibuatkan akta pernyataan keputusan rapat, apabila diperlukan.

6. Apointing and delegating authority to Mr. Alexis Lembong to carry any aspect which is related with the meeting decision including to meet the notary to ask preparation of meeting decision deed, if considered necessary.

7. Menyetujui laporan tahunan Direksi atas jalannya

7. Approving annual report of Board of Directors regarding

perseroan selama tahun buku 2012 (dua ribu dua belas)

management of the Company during fiscal year 2012 (two

dan laporan pelaksanaan tugas Dewan Komisaris;

thousand and twelve) and report of Board of Commissioners duty implementation.

150

8. Menyetujui dan mengesahkan Neraca dan Perhitungan

8. Approving and authorizing Balance Sheet and Income Loss

Laba Rugi tahun buku 2012 (dua ribu dua belas) yang

Statement for fiscal year 2012 (two thousand and twelve)

telah diaudit oleh Kantor Akuntan Publik dan memberikan

which has been audited by Public Accountant Office and full

pembebasan sepenuhnya (acquit et de charge) kepada

discharge (acquit et de charge) to the Board of Directors for

Direksi Perseroan atas semua tindakan pengawasannya

every supervisory activity throughout 2012 (two thousand

selama tahun buku 2012 (dua ribu dua belas);

and twelve).

9. Menyetujui penggunaan laba bersih tahun buku 2012

9. Approving realization of net income fiscal year 2012 (two

(dua ribu dua belas) sebesar Rp139.191.189.348,- (seratus

thousand and twelve) of Rp139,191,189,348 (one hundred

tiga puluh sembilan miliar seratus sembilan puluh satu

thirty nine billion one hundred and ninety one million one

juta seratus delapan puluh sembilan ribu tiga ratus empat

hundred and eighty nine thousand three hundred and

puluh delapan rupiah) sebagai berikut :

fourty eight rupiah) as follows:

a. Deviden Pemegang Saham sebesar 70% (tujuh puluh persen) dari laba bersih atau sejumlah Rp97.433.832.544,- (sembilan puluh tujuh miliar empat

a. Dividend of Shareholders of 70% (seventy percent) from net income or of Rp97,433,832,544 (ninety seven billion four hundred and thirty three million eight hundred and






ratus tiga puluh tiga juta delapan ratus tiga puluh dua ribu lima ratus empat puluh empat rupiah) dengan ketentuan:

thirty two thousand five hundred and fourty four rupiah) with provision as follows:

- Dibagikan kepada pemegang saham sebesar

• Distributed to the shareholders by 20% (twenty

80% (delapan puluh persen) atau sejumlah

percent) or of Rp27,838,237,870 (twenty seven

Rp27.838.237.870,- (dua puluh tujuh miliar delapan

bllion eight hundred and thirty eight million two

ratus tiga puluh delapan juta dua ratus tiga puluh

hundred and thirty seven thousand eight hundred

tujuh ribu delapan ratus tujuh puluh rupiah).

and seventy rupiah).

b. Cadangan umum sebesar 5% (lima persen) dari laba bersih atau sejumlah Rp6.959.559.467,- (enam milliar sembilan ratus lima puluh sembilan juta lima ratus lima puluh sembilan ribu empat ratus enam puluh tujuh rupiah).

b. General reserves of 5% (five percent) from net income or of Rp6,959,559,467 (six billion nine hundred and fifty nine million five hundred and fifty nine thousand four hundred and sixty seven rupiah).

c. Cadangan tujuan sebesar 5% (lima persen) dari laba bersih atau sejumlah Rp6.959.559.467,- (enam milliar sembilan ratus lima puluh sembilan juta lima ratus lima puluh sembilan ribu empat ratus enam puluh tujuh rupiah).

c. Appropriated reserve of 5% (five percent) from net income or of Rp6,959,559,467 (six billion nine hundred and fifty nine million five hundred and fifty nine thousand four hundred and sixty seven rupiah).

d. Tantiem pengurus Perseroan yang telah dibiayakan dalam Rencana Kerja Anggaran Tahunan (RKAT) tahun 2012 dihitung sebesar 5% (lima persen) dari laba bersih dan pemberian Jasa Produksi serta kesejahteraan pegawai 7,5% (tujuh koma lima persen) dari Laba Bersih Perseroan Tahun Buku 2012.

d. Tantiem for the management which has been allocated on Annual Budget Plan of 2012 was calculate dof 5% (five percent) from net income and production fee and employee welfare realization of 7.5% from net income of the Company for fiscal year 2012.

e. Corporate Sosial Resposibility (CSR) sebesar Rp10.000.000.000,- (sepuluh miliar rupiah) akan disalurkan secara proporsional.

e. Corporate Social Responsibility of RP10,000,000,000 (ten billion rupiah) will be disbursed propotioannly.

10. Menyetujui Dana Setoran Modal PT. Mega Corpora yang

10. Approving capital deposit of PT Mega COrporaa in the

dititipkan di Perseroan yang diperuntukkan sebagai uang

Company which is allocated as proceed of shares nbuying

pembelian saham Perseroan sebesar 5,1% (lima koma satu

of 5.1% (five point one percent) from total Company’s shares

persen) dari seluruh saham Perseroan pada saat PT. Mega

during the time of PT Mega Corpora joined as Shareholders

Corpora masuk sebagai Pemegang Saham Perseroan.

of the Company.

11. Terhitung sejak tanggal Rapat Umum Pemegang Saham

11. Since the date of Extraordinary General Meetings of

Luar Biasa Perseroan tidak menerima lagi Dana Setoran

Shareholders, the Company does not receive other Capital

Modal dalam bentuk apapun.

Deposit in any form.

12. Apabila ada pihak yang melakukan Dana Setoran Modal, akan diperlakukan Perseroan sebagai dana Deposito. 13. Selanjutnya

sehubungan

dengan

rapat

tersebut,

12. If there is any party who performs Capital Deposit Fund, will be recognized as Time Deposit Fund. 13. Further, in relation with the meeting, to:

menyetujui untuk : a. Menunjuk Wakil Gubernur Provinsi Sulawesi Utara untuk dan atas nama daerah Provinsi Sulawesi Utara sebagai wakil pemegang saham untuk menanda tangani risalah rapat tersebut bersama-sama dengan Komisaris Utama sebagai ketua rapat.

a. Appointing Vice of Sulawesi Utara Pronvice and on behalf of Sulawesi Utara Province as a representative of the shareholders to sign the Minutes of Meetings altogether with the President Commissioner as Chairman of the meeting.


151




b. Menunjuk dan memberi kuasa dengan hak substitusi kepada penghadap selaku Direktur Perseroan untuk melakukan segala sesuatu yang berhubungan dengan keputusan rapat termasuk menghadap notaris untuk dibuatkan akta pernyataan keputusan rapat atas keputusan rapat.


b. Appointing and delegating under substitution rights to the reported as Director of the Company to carry any activity which is related with the meeting decision including meeting with the notary to be stated on Deed of meeting decision.

Dewan

14. Approving changes of Board of Commissioners members

Komisaris Perseroan dengan menerima pengunduran

composition by appointing dismissal of Mr. Jefferson

diri tuan Jefferson Richard Lungkang sebagai anggota

Richard Lungkang as a member of Board of Commissioners

Dewan Komisaris Perseroan dan mengangkat tuan

and appointed Mr. Alexius Lembong as an Independent

Alexius Lembong sebagai Komisaris Independen dengan

Commissioner with management composition is as follows:

14. Menyetujui

perubahan

susunan

anggota

susunan pengurus Perseroan berubah menjadi sebagai berikut: Jabatan

152

Nama Name

Position

Direktur Utama

Johanis Christianus Salibana

Direktur

Novi Ventje Berti Kaligis

Director

Direktur

Felming Harun

Director

Direktur

Judy Koagow

Director

Direktur

Jeffry Salilo

Director

Komisaris Utama

Robby Jimmy Mamuaja

Komisaris

Effendy Manoppo

Komisaris Independen

Alexius Lembong

Independent Commissioner

Komisaris Independen

Mustamir Bakri

Independent Commissioner

President Director

President Commissioner Commissioner

i. Pengangkatan Komisaris baru tersebut diatas baru berlaku

i. Appointment of respective new Commissioner which

efektif sejak yang bersangkutan lulus Fit and Proper Test

was effectively applied since the candidate passed Fit and

dari Bank Indonesia.

Proper Test from Bank Indonesia.

ii. Menunjuk dan memberi kuasa dengan hak substitusi

ii. Appointing and delegating under substitution rights to

kepada penghadap untuk melakukan segala sesuatu

the reported to carry any activity which is related with

yang berhubungan dengan pelaksanaan keputusan rapat

implementation of the meeting decision including meeting

tersebut termasuk menghadap notaris untuk dibuatkan

with the notary to prepare Deeds of meeting decision, if

Akta pernyataan keputusan rapat, apabila diperlukan.

considered necessary.






Dewan Komisaris

The Board Of Commissioners

Dewan Komisaris merupakan bagian dari Perseroan yang

The Board of Commissioners is a part of the Company which

secara kolektif memiliki tugas untuk melakukan pengawasan

is collectively in charge to carry duty and responsibility of the

terkait tugas dan tanggung jawab Direksi yang secara umum

Board of Directors which generally or particularly refers to Article

ataupun khusus mengacu pada anggaran dasar. Selain

for Associations. Further, the Board of Commissioners is also in

itu, Dewan Komisaris juga memiliki tugas dan tanggung

charge collegially to provide direction or recommendation to

jawab secara kolegial untuk memberikan pengarahan

the Board of Directors, and ensuring that Bank Sulut complies

ataupun nasihat kepada Direksi, serta memastikan agar

and implements GCG principle. Position of each Board of

Bank SULUT telah patuh dan menerapkan prinsip-prinsip

Commissioners member including the President Commissioner

GCG. Kedudukan masing-masing anggota Dewan Komisaris

is equal. While, duty of President Commissioner as primus inter

termasuk juga dengan Komisaris Utama adalah setara.

pares, to coordinate activity of the Board of Commissioners.

Sementara itu, tugas Komisaris Utama sebagai primus inter

Referring to Board of Directors and Boarda of Commissioners

pares, yaitu mengoordinasikan kegiatan di dalam Dewan

charter, duty division of the Board of Commissioners into

Komisaris. Berdasarkan Piagam Direksi dan Komisaris, maka

several aspects of GCG, Risk Management, Remuneration,

pembidangan tugas Komisaris dibagi menjadi beberapa

Finance and Audit.

bidang GCG, Manajemen Risiko, Remunerasi, Keuangan dan Audit.

Uraian Tugas dan Tanggung Jawab

Desccription of Duty and Responsibility

Dewan Komisaris Bank SULUT memiliki fungsi utama dalam

The Board of Commissioners of Bank Sulut holds primary

pengawasan kegiatan usaha dan operasional Perseroan.

duty in monitoring business and operational activity of the

Untuk menjalankan fungsi tersebut, seluruh anggota Dewan

Company. To carry respective duty, every member of Board

Komisaris Bank SULUT memiliki tugas dan tanggung jawab

of Commissioners of Bank Sulut is in charge of duty and

sebagai berikut:

responsibilities, among others:

1. Dewan Komisaris wajib memastikan terselenggaranya

1. The Board of Commissioners is obligated to ensure the

pelaksanaan Good Corporate Governance dalam setiap

implementation of Good Corporate Governance in every

kegiatan usaha Bank pada seluruh tingkatan atau jenjang

business activity of the Bank in all level or organization of

organisasi.

the Bank.

2. Dewan Komisaris melaksanakan pengawasan terhadap

2. The Board of Commissioners carries monitoring towards

tugas dan tanggung jawab Direksi secara berkala maupun

duty and responsibility of Board of Directors periodically

sewaktu-waktu, serta memberikan nasihat kepada Direksi

or incidentally, and providing recommendation to the

secara langsung maupun melalui surat, namun tidak

Board of Directors both through letter and not involved

terlibat dalam pengambilan kegiatan operasional Bank

on operational activity making unless related with fund

kecuali dalam hal penyediaan dana dan penerimaan dana

provision and borrowing to and with related party.

kepada dan dari pihak terkait. 3. Dalam

pengawasan,

3. To carry monitoring duty, the Board of Commissioners

Komisaris mengarahkan, memantau dan mengevaluasi

rangka

melaksanakan

tugas

directs, oversee and evaluate implementation of Bank’s

pelaksanaan kebijakan strategis Bank.

strategic policy.

4. Dewan Komisaris memastikan bahwa Direksi telah

4. The Board of Commissioners ensures that the Board

menindaklanjuti temuan audit dan rekomendasi dari

of Directors has followed-up the audit result and

Satuan Kerja Audit Intern (SKAI) Bank, auditor eksternal,

recommendation from Internal Audit Unit of the Bank,


153





hasil pengawasan Bank Indonesia dan/atau hasil

external auditors as well as Bank of Indonesia’s assessment

pengawasan otoritas lainnya.

result and/or other authorities supervision result.

5. Dewan

Bank

5. The Board of Commissioners informs to the Bank of

Indonesia paling lama 7 (tujuh) hari kerja sejak ditemukan

Komisaris

memberitahukan

kepada

Indonesia the latest on 7 (seven) working days since the

pelanggaran peraturan perundang-undangan di bidang

finding of any violation towards regulations on banking and

keuangan dan perbankan dan keadaan atau perkiraan

financial sector, and other condition or probability that may

keadaan yang dapat membahayakan kelangsungan

harm Bank’s business sustainability.

usaha Bank. 6. Dewan Komisaris melaksanakan tugas dan tanggung jawab secara independen. 7. Dewan Komisaris memiliki Tata Tertib dan cara menjalankan pekerjaan Dewan Komisaris yang tertuang dalam SK Komisaris No. 2 Tahun 2012 tanggal 20 Desember 2012. 8. Dewan Komisaris telah menyediakan waktu yang cukup untuk melaksanakan tugas dan tanggung jawabnya

6. The Board of Commissioners peforms its duties and responsibilities independently. 7. The Board of Commissioners holds Guidance and procedure in implementing Board of Commissioners’ duties stated on Commissioners Decision Letter No. 2 of 2012, dated December 20th, 2012. 8. The Board of Commissioners allocates appropirate time to perform its duties and responsibilities optimally.

secara optimal. 9. Anggota Dewan Komisaris tidak memanfaatkan Bank

9. Member of Board of Commissioners does not address the

untuk kepentingan pribadi, keluarga atau pihak lain yang

Bank for personal, family or other aprty interest which may

merugikan atau mengurangi keuntungan Bank.

bring loss or reduce profit of the Bank.

10. Anggota Dewan Komisaris tidak mengambil atau

10. Member of the Board of Commissioners does not take

menerima keuntungan pribadi dari Bank selain remunerasi

or receive personal interest from the Bank besides

dan fasilitas lainnya yang ditetapkan RUPS.

remuneration and other facility as determined by the GMS.

11. Seluruh Anggota Dewan Komisaris memiliki integritas, kompetensi dan reputasi keuangan yang memadai.

financial integrity, competency and reputation.

12. Seluruh Komisaris Independen tidak ada yang memiliki

12. Every Independent Commissioner does not have financial,

hubungan keuangan, kepengurusan, kepentingan dan

management, interest and family relationship with other

hubungan keluarga dengan anggota Dewan Komisaris

members of Board of Commissioners, Board of Directors

lainnya, Direksi dan atau Pemegang Saham Pengendali

and/or Controlling Shareholders or relationship with the

atau hubungan dengan Bank, yang dapat memengaruhi

Bank which may interfere its independency.

kemampuannya untuk bertindak independen.

154

11. Every member of Board of Commissioners holds appropriate






Komposisi dan Independensi Dewan Komisaris

Composition and Independency of Board of Commissioners

Berdasar keputusan Rapat Umum Pemegang Saham Luar

Pursuant to Decision of Extraordinary and Annual General

Biasa dan Rapat Umum Saham Tahunan tanggal 19 Juni 2013,

Meetings of Shareholders dated June 19th, 2013, Deeds

akta Pernyataan Keputusan Rapat No.137 telah menyetujui

of Meeting Decision Statemetn No. 137, has approved

komposisi Dewan Komisaris berjumlah 4 (empat) orang

composition of Board of Commissioners of 4 (four) members

dengan susunan sebagai berikut:

with composition as follows:

Nama Name

Jabatan Position

Domisili Domicile

Mulai Starts

Berakhir Ended

Robby Mamuaja

Komisaris Utama President Commissioner

Manado

10/02/2012

10/02/2016

Effendy Manoppo

Komisaris Independen Independent Commissioner

Manado

10/02/2012

10/02/2016

Mustamir Bakri


Jakarta

28/09/2012

10/02/2016

Alexius Lembong


Manado

30/09/2013

10/02/2016

Tiap anggota Dewan Komisaris Bank SULUT diwajibkan untuk

Every member of Board of Commissioners in Bank Sulut is

bertindak independen dalam artian tidak memiliki benturan

obligated to act independently which means does not have

kepentingan dengan pihak manapun yang berkaitan

conflict tof interest with any party who is related with the

dengan Perseroan dan dapat mengganggu kapabilitas dan

Company and may interfere capability and action taken as

memengaruhi tindakan yang diambil selaku anggota Dewan

member of Board of Commissioners of Bank Sulut.


Pengungkapan Prosedur dan Besaran Remunerasi Dewan Komisaris

Disclosure of Remuneration Package and Procedure of Board of Commissioners

Prosedur penetapan remunerasi atas Dewan Komisaris kami

Remuneration Procedure of Board of COmmisisoners are as

adalah sebagai berikut:

follows: dan

• The Board of Commissioners proposes Nomination and

Remunerasi untuk menyusun rancangan usulan remunerasi

Remuneration Committee to prepare draf of Board of

Dewan Komisaris;

Commissioners remuneration proposal.

• Dewan

Komisaris

meminta

Komite

Nominasi

• Komite Nominasi dan Remunerasi mengusulkan kepada Dewan Komisaris; • Dewan Komisaris mengusulkan remunerasi bagi anggota Dewan Komisaris kepada pemegang saham (RUPS); dan • Pemegang saham (RUPS ) menetapkan remunerasi bagi anggota Dewan Komisaris.

• Nomination and Remuneration Committee proposes to the Board of Commissioners. • Board of Commissioners proposes remuneration for Board of Commissioners members to the Shareholders (GMS), and • The Shareholders (GMS) determines remuneration for the Board of Commissioners members.


155





Struktur Remunerasi Dewan Komisaris

Remuneration Structure of Board of Commissioners

Remunerasi yang diterima oleh Dewan Komisaris Bank SULUT

Remuneration received by the Board of Commissioners of Bank

terdiri atas honorarium, tunjangan dan fasilitas lainnya seperti

Sulut consists of honorarium, allowance and other facilities

asuransi dan santunan purna jabatan. Besaran remunerasi

such as insurance and post employment benefit. Amount of

Dewan Komisaris tersebut ditentukan melalui RUPS dengan

Board of Commissioners remuneration is determined through

perincian remunerasi Dewan Komisaris 2013 sebagai berikut:

the GMS with detail of Board of Commissioners remuneration as follows:

Jenis Remunerasi

Jumlah Total

Remuneration Package

Honorarium

Rp2.632.500.000,-

Honorarium

Fasilitas lain

Rp2.133.919.836,-

Other Facilities

Total

Rp4.766.419.836,-

Total

Frekuensi Penyelenggaraan Rapat Dewan Komisaris

Frequency of Board of Commissioners Meeting Implementation

Rapat Komisaris dapat dilakukan melalui permintaan

The Board of Commissioners meeting can be performed under

tertulis dari seorang atau lebih anggota Komisaris atau atas

written proposal form one or more Board of Commissioners

permintaan tertulis salah satu pemegang saham atau lebih,

members, who represent 1/10 (one per tenth) part of total shares

yang bersama-sama mewakili 1/10 (satu per sepuluh) bagian

with legal voting rights or at any time if considered necessary.

dari jumlah seluruh saham dengan hak suara yang sah

On the Board of Commissioners meeting, has a particular

atau sewaktu-waktu apabila dipandang perlu. Dalam rapat

discussion agenda or as a decision amking mechanism which is

tersebut Dewan Komisaris memiliki agenda pembahasan

related with monitoring function.

khusus atau sebagai mekanisme pengambilan keputusan terkait dengan fungsi pengawasan. Pada tahun 2013, telah diadakan 28 kali rapat Dewan Komisaris

In 2013, there were 28 Board of Commissioners meetings of

Bank SULUT dengan rincian kehadiran anggota Dewan

Bank Sulut with detail attendance of Board of Commissioners

Komisaris dan Direksi sebagai berikut:

and Board of Directors, as follows:

Nama Name

156

Kehadiran Attendance

Persentase (%) Percentage (%)

Robby Mamuaja

28

100%

Effendy Manoppo

28

100%

Mustamir Bakri

28

100%

Alexius Lembong

17

61%






Frekuensi rapat Dewan Komisaris selama tahun 2013, meliputi

Frequency of Board of Commissioners meeting in 2013

rapat dengan Komite Audit sebanyak 28 kali, dengan agenda

including Meeting with Audit Committee was 28 meetings:

sebagai berikut:

No.

1.

2.

3.

4.

TANGGAL Date

MATERI Agenda

03 Januari 2013

- - - -

Perolehan laba tahun buku 2012 Tindak Lanjut Temuan BPK-RI Profit realization for fiscal year 2012 BPK – RI Finding Follow-up

07 Januari 2013

- - - -

Persiapan RUPS tahunan dan RUPS LB Laporan Pengawasan Dewan Komisaris Preparation of Annual and Extraordinary GMS Board of Commissioners Supervisory Report

28 Januari 2013

- - - - - -

Struktur organisasi baru Adanya staf ahli Unit kerja anti fraud New Organization Structure Expert staff Anti-Fraud Working Unit

21 Februari 2013

- Rapat bersama Dewan Komisaris, Direksi, Pemimpin Divsi dan komite perihal Exit Meeting dengan Kantor Akuntan Publik - Joint Meeting of Board of Commissioners, Board of Directors, Head of Division, and Committees regarding Exit Meeting with Public Accountant Office

16 April 2013

- - - - - -

Persiapan pelaksanaan RUPS Tindak Lanjut Keputusan RUPS 28 September 2012 Kebijakan penerimaan pegawai tahun 2013 Preparation of GMS Implementation Follow up of GMS Decision on December 28th, 2012 Employee recruitment policy 2013

06 Mei 2013

- - - -

RUPS tahunan, penggunaan laba, laporan pertanggung jawaban Materi RUPS LB Annual GMS, profit realization, accountability report EGMS Agenda

7.

30 Mei 2013

- - - -

Efisiensi Biaya terutama biaya perjalanan dinas Modal disetor / simulasi komposisi modal Cost efficiency mainly official trip expense Paid-in capital/capital composition simulation

8.

04 Juni 2013

- Pembahasan Draft Internal Audit Charter SKAI - Discussion of Internal Audit Charter Draft by IAU

9.

11 Juni 2013

- Materi RUPS-Pra RUPS, RUPS tahunan dan RUPS LB - Agenda of Pre-GMS, Annual GMS and EGMS

10.

18 Juni 2013

- - - -

Persiapan RUPS, narasi RUPS sesuai materi Kajian PBI 14/24/PBI/2012 perihal Kepemilikan Tunggal pada Perbankan Preparation of GMS, GMS narration based on agenda Review of PBI 14/24/PBI/2012 regarding Single Ownership in Banking

09 Juli 2013

- - - -

Rencana Review Dokumen Kredit Komersial di Cabang Persiapan Audit KAP, proses penunjukan KAP Commercial Loan Document in Branch Office Review Plan Preparation of Public Accountant Office Audit and Appointment

12.

10 Juli 2013

- Pertemuan Dekom, Direksi, Pemimpin Divisi dan Komite pembahasan BPP ICAAP, Revisi BPP Manajemen Risiko - Joint Meeting of BOC, BOD, Head of Division and Committees to discuss BPP ICAAP, Revision of Risk Management BPP

13.

11 Juli 2013

- Evaluasi Kinerja Keuangan PT Bank SULUT Triwulan II tahun 2013 - Financial Performance of PT. Bank Sulut Triwulan Evaluation for 2nd Quarter in 2013

5.

6.

11.


157




No.

TANGGAL Date

14.

24 Juli 2013

- Perihal Surat dari Bank Indonesia No.15/1/DPKP tanggal 03 2013 - Regarding Letter of Bank Indonesia No.15/1/DPKP dated 03 2013

15.

30 Juli 2013

- Revisi Rencana Bisnis tahun 2013-2015, pengaruh signifikan pada rencana bisnis sesuai PBI: Modal inti, Jaringan Kantor, Kredit Produktif - Amendment of Business Plan for 2013-2015 period, significant impact on business plan based on PBI: Core Capital, Office Network, Productive Loan

16.

31 Juli 2013

- Pembahasan Revisi Rencana Bisnis - Discussion of Business Plan Revision

17.

12 Agustus 2013

- - - -

18.

19 Agustus 2013

- Presentasi penawaran 3 (tiga) KAP untuk audit Perseroan Tahun Buku 2013 - Offering Presentation from 3 (three) Public Accountant Office for the Company’s audit Fiscal Year 2013

19.

20 Agustus 2013

- Pelampauan anggaran Asuransi Jabatan pengurus PT Bank SULUT - Exceeding of position insurance budget for the management of PT. Bank Sulut

20.

23 Agustus 2013

- Penunjukan KAP berdasarkan penawaran dan hasil presentasi masing-masing KAP - Public Accountant Office appointment based on offering and presentation result of each Public Accountant Office.

21.

10 September 2013

- Penilaian Saham PT Bank SULUT oleh Konsultan - PT. Bank Sulut Shares Appraisal by Consultant

22.

12 September 2013

- Evaluasi Perencanaan dan Pelaksanaan Audit dan Tindak Lanjut oleh SKAI - Evaluation of Audit Planning and Implementation and Follow-up by Internal Audit Unit

23.

09 Oktober 2013

- Evaluasi Kinerja Keuangan Bank SULUT Triwulan III tahun 2013 - Financial Performance of PT. Bank Sulut Triwulan Evaluation for 3rd, Quarter in 2013

24.

29 Oktober 2013

- Tindak lanjut hasil pemeriksaan Bank Indonesia Kredit kepada Pihak terkait / pegawai Bank SULUT - Follow-up of Bank Indonesia audit result from Bank Indonesia regarding loan to related party/employees ofi Bank Sulut

25.

31 Oktober 2013

- Rencanan tambahan Modal Disetor Pemerintah Provinsi Sulawesi Utara - Additional paid-in capital planning from Provincial Government of Sulawesi Utara Province

26.

25 November 2013

- Pembahasan Draft Rencana Bisnis PT Bank SULUT tahun 2014-2016 - Discussion of Business Plan Draft of PT. Bank Sulut for 2014-2016 period

27.

06 Desember 2013

- Pembahasan penyesuaian Rencana Bisnis 2014-2016 sesuai petunjuk Bank Indonesian - Discussion of Business Plan alignment for 2014-2016 period based on reference from Bank Indonesia

28.

158


27 Desember 2013


MATERI Agenda

- - - -

Perihal Kantor Akuntan Publik untuk audit tahun buku 2013 Laporan Realisasi Rencana Bisnis ke Bank Indonesia Regarding Public Accountant Office for audit in fiscal year 2013 Report of Business Plan realization to Bank Indonesia

Tindak Lanjut Keputusan RUPS Juni 2013 Rencanan Rapat Dewan Komisaris dengan Direksi tanggal 31 Desember 2013 Follow-up of GMS Decision on June 2013 Board of Commissioners Meeting with Board of Directors Plan dated December 31st, 2013





Pelaksanaan Tugas Dewan Komisaris 2013:

Duty Implementation of Board of Commissioners 2013

1. Memberikan masukan dan arahan dalam pembuatan

1. To provide recommendation and direction in preparing Budget Plan.

Rencana Kerja dan Anggaran Perusahaan (RKAP) 2. Melakukan

pengawasan

internal

melalui

Satuan

Pengawas Internal dan Komite Audit

2. To carry internal audit through Internal Audit Unit and Audit Committee.

3. Memberikan arahan penyusunan laporan triwulan tahun

3. To provide direction of quarter report preparation 2013.

2013 4. Mengawasi

dan

menyelaraskan

investasi

tahunan

4. To monitor and align annual and long-term investment

dan dengan investasi jangka panjang melalui Komite

through

Investasi dan Direktorat Pengembangan serta mengawasi

Directorate and monitoring financial control, especially

pengendalian keuangan khususnya cashflow

cashflow.

Investmetn

Committee

and

Development

Pelaksanaan tugas Dewan Komisaris 2013 salah satunya

Implementation of Board of Commissioners duty in 2013 was

adalah pemantauan ke kantor-kantor cabang:

namely monitoring of branch offices:

No.

TANGGAL Date

Cabang Branch

1.

26 – 28 Februari 2013

Kotamobagu

2.

15 – 17 Juli 2013

Tilamuta

3.

17 – 19 Juli 2013

Marisa

PERIHAL Agenda Review Dokumen Kredit Komersial pada Kantor Cabang Kotamobagu Review of Commercial Loan Document at Kotamobagu Branch Office Review Dokumen Kredit Komersial pada Kantor Cabang Tilamuta Review of Commercial Loan Document at Tilamuta Branch Office Review Dokumen Kredit Komersial pada Kantor Cabang Marisa Review of Commercial Loan Document at Marisa Branch Office

Dewan Komisaris mengadakan rapat menyangkut kebijakan

The Board of Commissioners holds several meeting which

Bank secara berkala sesuai kebutuhan dengan melakukan

related to the Bank periodically based on demand by performing

koordinasi antar anggota Dewan Komisaris. Di samping itu,

coordination among the Board of Commissioners members.

melakukan rapat koordinasi Dewan Komisaris dengan Direksi

Moreover, also performs Joint Meeting of Board of Commissioners

untuk membicarakan perkembangan Bank serta menghadiri

and Board of Directors to discuss progress of the bank and

beberapa rapat eksternal dengan Bank Indonesia, Badan

attned several external meeting with Bank Indonesia, Supreme

Pemeriksa Keuangan, pertemuan Forum Komunikasi Dewan

Audit Agency, Indonesia Regional Bank Board of Commissioners

Komisaris BPD-SI dan lain-lain.

Communication Forum Meeting and others.

Dewan Komisaris secara periodik juga menghadiri rapat

The Board of Commissioners periodically also attends Quarter

evaluasi kinerja Triwulan yang dihadiri oleh seluruh Pemimpin

performance evaluation meeting which is also attended by all

Cabang, Pemimpin Divisi dan Departemen. Para anggota

Head of Branch Office, Head of Group and Head of Division. The

Dewan Komisaris telah menyediakan waktu yang cukup

Board of Commissioners members has allocated adequate time

dalam melaksanakan tugasnya.

in carrying their duties.


159




Pelatihan dan Pengembangan Dewan Komisaris


Training and Development of Board of Commissioners

Bank SULUT senantiasa melakukan pengembangan dan

Bank Sulut continuously performs capacity

and quality

peningkatan kapasitas maupun kualitas seluruh jajarannya,

development and improvement of all management, as well as

begitu pula halnya pada Dewan Komisaris Bank SULUT.

with the Board of Commissioners of Bank Sulut. Through the

Melalui peningkatan kapasitas dan kualitas yang didedikasikan

capacity and qualityimprovement which is dedicated based

sesuai dengan kompetensi masing-masing anggota Dewan

on competency if each Board of Commissioners members, it is

Komisaris, diharapkan pula dapat meningkatkan kinerja Dewan

expected to increase Board of Commissioners in relation with

Komisaris terkait tanggung jawab dan tugas masing-masing.

each duty and responsibility. Throughout 2013 period, Bank

Sepanjang periode 2013, Bank SULUT telah mengikutsertakan

Sulut has participated and held several training for Board of

dan mengadakan berbagai pelatihan bagi anggota Dewan

Commissioners. Some of the training programs are namely:

Komisaris. Berbagai program pelatihan tersebut di antaranya adalah: Tanggal Date

160

Pelatihan Training

Nama Name

10 Januari 2013

Workshop Manajemen Risiko Pasar Perbankan (Market Risk) (Refreshment BSMR) Banking Market Risk Management Workshop (Market Risk) (BSMR Refreshment)

Effendi Manoppo

30 Januari 2013

2 Days Workshop “Stuktur Laporan Dewan Komisaris Sesuai Fungsi & Tanggung Jawabnya “Structure of Board of Commissioners Report based on Function and Responsibility” 2 Days Workshop

Robby J. Mamuaja

25 April 2013

Rakerwil & Workshop FKDK/BPD-SI Wilayah Timur Regional Coordination Meeting & FKDK/BPD-SI Workshop for Eastern Area

1. Robby J. Mamuaja 2. Effendy Manoppo

13 Juni 2013

Workshop Penyusunan SOP Hapus Tagih BPD Regional Bank Write-Off SOP Preparation Workshop

Effendy Manoppo

1 Juli 2013

Program Pemeliharaan SMR SMR Maintenance Program

Alexius Lembong

5 Juli 2013

Workshop PBI (Refreshment BSMR) PBI (Refreshment BSMR) Workshop

Effendy Manoppo

9 September 2013

Seminar Sehari RBBR dan GCG Bagi Pengurus dan Pejabat Bank Pembangunan Daerah RBBR and GCG for Regional Bank Management and Executives One Day Seminar

Robby J. Mamuaja

9 September 2013

Risk Based Bank Rating & GCG Bagi Pengurus dan Pejabat BPD Risk Based Bank Rating & GCG for Regional Bank Management and Executives

Robby J. Mamuaja

11 Oktober 2013

Workshop Penyusunan RBB yang Selaras Dengan Profil dan Kapasitas Risiko RBB Preparation Aligning with Risk Profile and Capacity Workshop

Effendy Manoppo

7 November 2013

Workshop Pemahaman Tentang Pengawasan Aktif Active Monitoring Understanding Workshop

Alexius Lembong

28 November 2013

Prospek Ekonomi & Perbankan Nasional 2014 National Economy and Banking Prospect 2014

Robby J. Mamuaja

12 Desember 2013

2 Days Workshop &Discussion Filosofi Good Corporate Governance Good Corporate Governance Philosophy 2 Days Workshop &Discussion

Alexius Lembong

15 Desember 2013

Seminar Peranan BPD Dalam Mendukung Pengawasan Oleh Otoritas Jasa Keuangan BPD Role in Supporting Monitoring by Financial Service Authority Seminar

Robby J. Mamuaja

18 Desember 2013

Lokakarya Langkah Pencegahan TPPU & Pendampingan Terorisme di Industri Jasa Keuangan TPPY & Terrorism Assistance Preventing Steps in Financial Service Industry Workshop

Effendy Manoppo






Informasi mengenai Komisaris Independen

Information About Independent Commissioner

Kriteria penentuan Komisaris Independen

Criteria in Appointing Independent Commissioner 8/14/Pbi/2006

Regulation of Bank Indonesia No. 8/14/PBI/2006 regarding

Tentang Perubahan Atas Peraturan Bank Indonesia Nomor 8/4/

Amendment of Regulation of Bank Indonesia No. 8/4/PBI/2006

Pbi/2006 Tentang Pelaksanaan Good Corporate Governance

regarding Good Corporate Governance Implementation for

Bagi Bank Umum

Commercial Banks.

1. Komisaris Independen adalah anggota dewan Komisaris

1. Independent Commissioner is a Board of Commissioners

yang tidak  memiliki hubungan keuangan, kepengurusan,

member who does not have financial, management, share

kepemilikan saham dan/atau hubungan keluarga dengan

ownership and/or family relationship with other members

anggota dewan Komisaris lainnya, Direksi dan/atau

of Board of Commissioners, Board of Directors and/or

pemegang saham pengendali atau hubungan dengan

controlling shareholders or relationship with the Bank

Bank, yang dapat mempengaruhi kemampuannya untuk

which may interfere its independency.

Peraturan

Bank

Indonesia

Nomor

bertindak independen. 2. Pihak Independen adalah pihak diluar Bank yang

2. Independent Party is an external party of the Bank who does

tidak memiliki hubungan keuangan, kepengurusan,

not have financial, management, share ownership and/or

kepemilikan

keluarga

family relationship with the Board of Commissioners, Board

dengan dewan Komisaris, Direksi dan/atau pemegang

of Directors and/or controlling shareholders or relationship

saham pengendali atau hubungan dengan Bank, yang

with the Bank which may interfere its independency.

saham

dan/atau

hubungan

dapat mempengaruhi kemampuannya untuk bertindak independen. 3. Paling kurang 50% (lima puluh perseratus) dari jumlah anggota dewan  Komisaris adalah Komisaris Independen.

3. At least 50% (fifty percent) of total Board of Commissioners members is Independent Commissioners.

Pernyataan tentang independensi masing-masing Komisaris Independen.

Statement regarding independency of each Independent Commissioner

Pernyataan komisaris independen terdapat di halaman ... pada

Statement regarding independency of each Independent

laporan tahunan ini

Commissioner is disclosed on page …. Of this Annual Report.


161





Direksi

Board of Directors

Direksi memiliki tugas dan tanggung jawab secara kolektif

The Board of Directors has collective duty and responsibility

atas pengelolaan Perseroan sesuai dengan Pedoman GCG dan

on the Company’s management based on GCG Manual and

Piagam Direksi Bank SULUT. Masing-masing Direktur bertindak

Charter of Board of Directors. Each of the Director acts and takes

dan mengambil keputusan sesuai dengan pembagian tugas

decision based each duty and authority division. Position of

dan kewenangan masing-masing. Kedudukan masing-masing

each Board of Directors members including President Director

anggota direksi termasuk Direktur Utama adalah setara.

is equal.

Uraian Tugas dan Tanggung Jawab Dewan Direksi:

Description of Duty and Responsibility of Board of Directors:

1. Direksi memiliki peraturan tata tertib dan tata cara

1. The Board of Directors has regulation and procedure in

menjalankan tugas/pekerjaan Direksi yang tertuang

carrying duty/responsibility of Board of Directors as stated

dalam SK Direksi no. 07/PBS-KEP/DIR/XII/2012.

on BOD Decree No. 07/PBS-KEP/DIR/XII/2012.

2. Direksi bertanggung jawab penuh atas pelaksanaan kepengurusan Bank.

2. The Board of Directors is fully responsible on management of the Bank.

3. Direksi menyediakan waktu yang cukup untuk mengelola

3. The Board of Directors allocate adequate time to manage

Bank sesuai dengan kewenangan dan tanggung jawabnya

the Bank based on authority and responsibility as stated on

sebagaimana diatur dalam Akta Pendirian/Anggaran

Establishment Deeds/Articles of Associations of the Bank

Dasar Bank dan peraturan perundang-undangan yang

and prevailing regulation.

berlaku. 4. Direksi

berkomitmen

untuk

mengembangkan

4. The Board of Directors is committed in developing Good

melaksanakan prinsip-prinsip Good Corporate Governance

Corporate Governance (GCG) principles in every level and

(GCG) dalam setiap kegiatan usaha Bank pada seluruh

organization based on regulation of Bank Indonesia.

tingkatan atau jenjang organisasi sesuai ketentuan Bank Indonesia. 5. Direksi menindaklanjuti temuan audit dan rekomendasi

5. The Board of Directors follows-up audit finding and

dari satuan audit intern Bank, audit eksternal, hasil

recommendation from internal audit unit of the Bank,

pengawasan Bank Indonesia dan hasil/atau hasil

external audit and audit result of Bank Indonesia and result/

pengawasan otoritas lain.

audit of other authorities.

6. Direksi bertanggung jawab penuh atas pelaksanaan

6. The Board of Directors is fully responsible on the duty

tugasnya kepada pemegang saham melalui Rapat Umum

implementation to the shareholders through General

Pemegang Saham.

Meetings of Shareholders.

7. Direksi menyediakan data dan informasi yang akurat, relevan dan tepat waktu kepada Dewan Komisaris.

162

7. The Board of Directors allocates accurate, relevant and timely data and information to the Board of Commissioners.

8. Direksi melaksanakan transparansi kondisi keuangan dan

8. The Board of Directors carries transparency of financial and

non-keuangan kepada pemangku kepentingan. Kondisi

non-financial condition to the stakeholders. Respective non-

non-keuangan dimaksud antara lain kepengurusan,

financial condition such as management, share ownership,

kepemilikan, perkembangan usaha Bank dan kelompok

business development of the Bank and business group of

usaha Bank, strategi dan manejemen serta laporan

the Bank, strategy and management and management

manajemen.

report.





9. Direksi memantau serta mengambil langkah-langkah yang diperlukan agar Tingkat Kesehatan Bank dapat


9. The Board of Directors oversees and takes necessary actions to fulfill Soundness Level of the Bank.

dipenuhi. 10. Direksi

mengumumkan

secara

publikasi

laporan

keuangan Bank SULUT per triwulan pada media massa.

10. The Board of Directors publicly announces financial report of Bank Sulut quarterly to the mas media.

Adapun rincian tugas masing-masing anggota Direksi adalah sebagai berikut:

Detail of duty of each Board of Directors members as follows:

Direktur Utama

President Directors

1. Berperan sebagai wakil Perusahaan dalam berkoordinasi

1. Acting as Company’s representative in coordinating with

dengan pemangku kepentingan;

the stakeholders.

2. Memimpin, mengendalikan dan mengoordinasikan semua kegiatan di seluruh Direktorat;

2. Leading, controlling and coordinating every activity on every Directorate.

3. Menetapkan kebijakan korporat yang mencakup seluruh aktivitas perusahaan;

3. Implementing corporate policy including all of Company’s activities.

4. Bertanggung jawab mengawasi tindak lanjut hasil

4. Responsible in supervising audit result follow-up.

pelaksanaan audit; 5. Bertanggung jawab mengawasi tindak lanjut hasil

5. Responsible in supervising Quality Management supervisory result follow-up.

pengawasan Manajemen Mutu; 6. Melakukan pengawasan secara menyeluruh terhadap pelaksanaan kinerja Perusahaan;

6. Performing comprehensive supervision on Company’s performance implementation.

7. Bertanggung jawab terhadap perencanaan strategis dan

7. Responsible on strategic planning and general monitoring.

pengawasan umum. Direktur Pemasaran

Marketing Director

Mengoordinasikan dan bertanggung jawab terhadap tugas-

Coordinating and responsible on duties of fund collecting,

tugas di bidang penghimpunan dana, penyaluran dana,

disbursement, treasury, money market, liquidity, fund and

treasury, pasar uang, likuiditas dan pemasaran dana dan kredit.

credit marketing duties.

Direktur Umum

General Affairs Director terhadap

Coordinating and responsible on human resources, capital

kegiatan sumber daya manusia, investasi pengadaan barang

goods procurement investment, overhead expense and

modal, pengeluaran biaya overhead dan kesekretariatan.

secretariat activities.

Direktur Kepatuhan

Compliance Directorate

Bertanggung jawab terhadap kepatuhan bank dalam

Responsible on bank’s compliance in performing internal

melaksanakan ketentuan internal dan eksternal serta

and external regulation and ensuring the Bank is operated on

memastikan bank beroperasi pada tingkat risiko yang

acceptable risk level.

Mengoordinasikan

dan

bertanggung

jawab

diperkenankan.


163





Direktur Operasional

Operational Director

Mengoordinasikan dan bertanggung jawab terhadap

Coordinating and responsible on bank’s product development

kegiatan pengembangan dan pemasaran produk bank,

and

layanan prima, operasionalisasi teknologi informasi, kegiatan

technology operationalization, bank’s promotion activity and

promosi bank dan pelaksanaan kegiatan akuntansi bank.

implementation of bank’s accounting activity.

Komposisi dan Independensi Direksi

Composition and Independency of Board of Directors

Melalui keputusan Rapat Umum Pemegang Saham Luar

Under the Decision of Extraordinary General Meetings of

Biasa tanggal 19 Juni 2013 yang dinyatakan dalam akta

Shareholders dated June 19th, 2013 as stated on Deeds of

pernyataan Keputusan Rapat No. 136 tanggal 24 Juni 2013

Meeting Decision No. 136 dated June 24th, 2013, composition

susunan Direksi sebagai berikut:

of the Board of Directors as follows:

Nama Name

marketing

activity,

service

excellent,

information

Jabatan Position

Domisili Domicile

Mulai Starts

Berakhir Ended


Manado

19/06/2013

10/02/2016

Direktur Pemasaran Marketing Director

Manado

19/06/2013

10/02/2016

Direktur Umum General Affairs Director

Manado

19/06/2013

10/02/2016

Jeffry Salilo

Direktur Kepatuhan Compliance Director

Manado

19/06/2013

10/02/2016

Judy Koagow

Direktur Operasional Operational Director

Manado

19/06/2013

10/02/2016

Johanis Christianus Salibana Novi Ventje Berti Kaligis Felming Harun

Sebagai wujud komitmen Bank SULUT untuk menerapkan

As a realization of Bank Sulut’s commitment in implementing

GCG secara keseluruhan, seluruh anggota Direksi Bank

the GCG comprehensively , every member of Board of Directors

SULUT diharuskan untuk terbebas dari segala bentuk

members of Bank Sulut has to free from any conflict of interest

benturan kepentingan dengan berbagai pihak pemangku

with stakeholders, including the Board of Commissioners. Thus,

kepentingan, termasuk dengan Dewan Komisaris. Selain itu,

the Board of Directors of Bank Sulut is prohibited to carry any

Direksi Bank SULUT dilarang melakukan aktivitas yang dapat

activity which may interfere its independency on Bank Sulut’s

menganggu independensinya dalam pengelolaan Bank

management.

SULUT.

Frekuensi Penyelenggaraan Rapat Direksi

Frequency of Board of Directors Meeting

Rapat Direksi menyangkut kebijakan dan operasional Bank

The Board of Directors meeting which is related with policy

SULUT secara berkala dilakukan sesuai kebutuhan dengan

and operational activity of Bank Sulut is periodically held based

melakukan koordinasi antar anggota Direksi. Terkait dengan

on necessity by performing coordination among the Board

pelaksanaan fungsi pengelolaan Perseroan, selama tahun

of Directors members. Related with management function

2013 Direksi telah mengadakan 10 rapat Direksi dengan

implementation in the Company, during 2013, the Board of

rincian tingkat kehadiran dan agenda sebagai berikut:

Directors held 10 Board of Directors meeting with detail of attendance and agenda as follows:

164




Nama Name






10

100%


10

100%

Felming Harun

10

100%

Jeffry Salilo

10

100%

Judy Koagow

10

100%

Agenda Rapat Direksi selama 2013 sebagai berikut: No No

Tanggal Date

Board of Directors Meeting Agenda in 2013, as follows: Materi Pembahasan Rapat Meeting Discussion Agenda

1

09 Februari

Rencana RUPS tahunan dan RUPS Luar Biasa Annual and Extraordinary GMS Plan

2

11 Maret 2013

Hasil Temuan PPATK PPATK Finding Result

3

10 Juni 2013

Persiapan menjelang Pra RUPS 2013 Pre-GMS 2013 Preparation

4

11 Juni 2013

Presentasi materi RUPS GMS Agenda Presentation

5

15 Juni 2013

Materi RUPS GMS Agenda

6

17 Oktober 2013

Pembahasan dengan tim Kantor Akuntan Publik

7

28 Oktober 2013

Pedoman pelaksanaan cuti Direksi dan Komisaris

27 November 2013

- - - - - -

Ketentuan cuti Direksi Pemotongan Gaji PNS dengan BPR Citra Dumoga Aktivitas Trisuri BOD Leave regulation Civil servant salary deduction with BPR Citra Dumoga Treasury Activity

16 Desember 2013

- - - - - - - -

Pelaksanaan Hak Cuti Komisaris Peninjauan Kinerja Group Head I Bidang Pemasaran Peninjauan Kinerja Pemimpin Divisi Trisuri Penyesuaian Job Group KIC Execution of Board of Commissioners Leave Review of Head of Marketing Group I Performance Review of Head of Treasury Division Performance Adjustment of KIC Group Job

- - - - - - - -

Rencana Penerbitan Obligasi Bank SULUT Peraturan Dana Pegawai eks Pegawai Bank SULUT PKS Bank SULUT dan BPR Prisma Dana Realisasi Setoran Modal Pemegang Saham Khususnya Pemprov Sulut Bank Sulut Bonds Issuance Plan Bank Sulut ex-employees fund regulation Bank Sulut and BPR Prisma Dana Partnership Agreement Realization of Shareholders Deposit primarily Sulawesi Utara Provincial Government

8

9

10

30 Desember 2013


165





Pelatihan dan Pengembangan Direksi

Training and Development of Board of Directors

Dalam rangka meningkatkan profesionalisme dan kinerja,

To enhance professionalism and performance, develop self-

mengembangkan potensi diri dan menunjang pelaksanaan

potential and support duty implementation of Boar dof

tugas Direksi, sepanjang tahun 2013 lalu Direksi Bank SULUT

Directors, throughout 2013, Board of Directors of Bank Sulut

telah mengikuti berbagai program pengembangan diri

has participated on several self-development program such as

seperti pelatihan, workshop, konferensi dan seminar, seperti

training, workshop, conference and seminar, among others:

berikut ini: Tanggal Date

Nama Direksi Name of Directors

Sekolah Staff dan Pemimpin Bank (SESPIBANK) Angk. 58 dan Benchmarking Bank Staff and Executives School (SESPIBANK) Batch 58 and Benchmarking

Jeffry Salilo

9 April 2013

Seminar Otoritas Jasa Keuangan Financial Service Authority Seminar


15 April 2013

Sosialisasi Laporan Stabilitas Moneter dan Sistem Keuangan Socialization of Monetary and Financial System Stability

Felming Harun

23 Mei 2012

Seminar Perusahaan Terdaftar /KSEI Seminar Listed Company/KSEI Seminar


24 Mei 2013

Seminar IBEX 2013 IBEX 2013 Seminar


21 Juni 2013

Workshop Mekanisme Penilaian Tingkat Kesehatan Dengan Menggunakan Pendekatan RBBR Soundness Level Assessment Mechanism Using RBBR Approach Workshop

Felming Harun

27 Juni 2013

Studi Banding Direksi & Pejabat PT Bank SULUT ke Bank Jawa Barat PT. Bank Sulut Board of Directors & Executives Benchmarking to Bank Jawa Barat

Jeffry Salilo

28 Juni 2013

Wokshop Portofolio Fixed Income di BPD Fixed Income Portfolio in Regional Bank Workshop


Sosialisasi Pengembangan Sistem BI-RTGS/SSSS Generasi II Socialization of BI-RTGS/SSSS 2nd Generation Development Seminar

Judy Koagow

Diskusi Panel & Workshop Pembahasan Pedoman GCG Perbankan Indonesia Indonesian Banking GCG Manual Panel Discussion & Workshop

Jeffry Salilo

16 September 2013

Sosialisasi Perkembangan Terkini Laporan Stabilitas Moneter dan Sistem Keuangan (LSMK) Monetary Stability and Financial System Current Trend Socialization

Jeffry Salilo

27 September 2013

Workshop Branchless Bangking Branchless Banking Workshop


Sosialisasi Pokok-Pokok Ketentuan Bank Indonesia Bank Indonesia Principal Regulation Socialization

Jeffry Salilo

04 November 2013

Seminar CEO Networking CEO Networking Seminar


22 November 2013

Sosialisasi Terkait Penambahan Modal Tanpa HMETD, Merger dan Pengambilalihan Perusahaan Terbuka Additional Capital Without Pre-Emptive Rights, Merger and Acquisition of Listed Company Socialization


28 November 2013

Prospek Ekonomi & Perbankan Nasional 2014 National Banking & Economy 2014

Jeffry Salilo

15 Maret 2013

24 Juli 201 21 Agustus 2013

3 Oktober 2013

166

Pelatihan Training




Tanggal Date



Pelatihan Training

Nama Direksi Name of Directors

05 Desember 2013

Workshop Aplikasi Loan Origination Loan Origination Application Workshop

1. Novi Ventje Berti Kaligis 2. Judy Koagow

06 Desember 2013

Sosialisasi Persiapan Akhir Tahun 2013 End Year Preparation 2013 Socialization


10 Desember 2013

Workshop Optimalisasi Penggunaan Teknologi Informasi di BPD Information Technology Application Optimization in Regional Bank Workshop

Judy Koagow

11 Desember 2013

Seminar Nasional Economic Outlook 2014 National Economic Outlook 2014 Seminar

1. Judy Koagow 2. Jeffry Salilo

Kebijakan Suksesi Direksi

Succession Policy of Board of Directors

Kualifikasi dan persyaratan Direksi telah diatur di dalam

Qualification and requirement of Board of Directors as

Peraturan Bank Indonesia Nomor: 11/1/Pbi/2009 Tentang  regulated under Regulation of Bank Indonesia No. 11/1/ PBI/2009 regarding Commercial Banks with serving period of Bank Umum dengan masa jabatan ditetapkan 5 (lima) tahun dan dapat diangkat kembali untuk satu kali masa

5 (five) years and may be re-appointed for one more period.

jabatan. Adapun pengangkatan dan pemberhentian Direksi

Appointment and dismissal of Board of Directors is determined

ditetapkan oleh RUPS.

by GMS.

Asesmen terhadap Anggota Dewan Komisaris dan/atau Direksi

Assessment of Board of Commissioners and/or Board of Directors Members

Key Performance Indicators (KPI) yang digunakan untuk

Key Performance Indicators (KPI) which is applied to assess

mengukur kinerja Dewan Komisaris dan/atau Direksi dan

performance of Board of Commissioners and/or Board of

sekaligus dijadikan sebagai dasar penetapan remunerasi

Directors and as a principal of remuneration determination,

terdiri dari:

consists of:

1. Kontrak Kerja Manajemen dengan pemegang saham,

1. Management Contract with the shareholders, including

yang meliputi pencapaian target-target keuangan bank,

achievement of financial targets such as Return on Asset

seperti Return On Asset (ROA), Return On Equity (ROE) dan

(ROA), Return on Equity (ROE) and Profit Margin.

Profit Margin. 2. Pengembangan bisnis bank, antara lain: perluasan

2. Business Development of the bank, namely: expanding loan

cakupan penyaluran kredit dan peningkatan jumlah dana

disbursement and increasing third party fund in current

pihak ketiga dalam tahun berjalan.

year.

Kriteria dan Proses Pelaksanaan Asesmen

Criteria and Assessment Process

Pelaksanaan asesmen dilaksanakan melalui mekanisme

Assessment process is carried through accountability

pertanggungjawaban dalam forum RUPS, dimana Komisaris

mechanism on the GMS, where the Board of Commissioners

dan Direksi menyampaikan pertanggungjawaban yang

and Board of Directors disclosed accountability report which is

berkenaan dengan pencapaian-pencapaian kinerja bank.

related with achievement of Bank’s performance.

Selain itu, asesmen terhadap Dewan Komisaris dan Direksi

Besides, assessment of the Board of Commissioners and Board

dilaksanakan melalui asesmen GCG.

of Directors is carried through GCG Assessment.


167





Pelaksana Asesmen

Assessment Practice

Asesmen terhadap Dewan Komsiaris dan Direksi dilakukan

Assessment of the Board of Commissioners and Board of

oleh pemegang saham melalui pelaksanaan RUPS dan

Directors is carried by the shareholders through the GMS and

pelaksanaan self-assesment GCG.

GCG Self-Assessment implementation.

Uraian mengenai Kebijakan Remunerasi Direksi

Description of Remuneration Package of the Board of Directors

Remunerasi bagi Direksi ditetapkan oleh RUPS mengacu pada

Remuneration of the Board of Directors carried by the GMS is

Keputusan Pemegang Saham Perseroan (Persero) Penghasilan

referring to Decision of Shareholders. Remuneration of Board of

Direksi meliputi remunerasi dan tunjangan-tunjangan serta

Directors is including remuneration and allowance and bonus

tantiem yang diberikan berdasarkan kinerja dan pencapaian

distributed based on performance and achievement of the

Perusahaan.

Company.

Pada tahun 2013, penetapan remunerasi bagi Direksi adalah

In 2013, remuneration for the Board of the Board o f Directors

sebagai berikut:

is as follows:

a. Direksi

penghasilan

a. The Board of Directors prepares take home pay calculation

diterima (take home pay) yang terdiri atas gaji, tunjangan,

membuat

kajian

perhitungan

which consists of salary, allowance, facility and performance

fasilitas dan tantiem/insentif kinerja

bonus.

b. Direksi meminta Komite Nominasi dan Remunerasi untuk

b. The Board of Directors proposes the Nomination and Remuneration Committee to prepare draft of Board of

menyusun rancangan usulan remunerasi Direksi;

Directors remuneration.

c. Komite Nominasi dan Remunerasi mengusulkan kepada Direksi;

c. Nomination and Remuneration Committee proposes to the Board of Directors.

d. Direksi mengusulkan remunerasi kepada pemegang

d. The Board of Directors remuneration to the shareholders

saham (RUPS); dan

(GMS); and

e. Pemegang saham (RUPS) menetapkan remunerasi bagi

e. The Shareholders (GMS) determines remuneration for Board of Directors members.

anggota Direksi.

Struktur Remunerasi Direksi

Remuneration Structure of Board of Directors

Remunerasi yang diterima oleh Direksi Bank SULUT terdiri

Remuneration which is received by Board of Directors of Bank

atas honorarium, tunjangan dan fasilitas lainnya seperti

Sulut consists of salary, allowance, and other facilities such as

asuransi dan santunan purna jabatan. Besaran remunerasi

insurance and post-employment benefit. Amount of the Board

Direksi tersebut ditentukan melalui RUPS dengan perincian

of Directors remuneration is determined under the GMS with

remunerasi Direksi 2013 sebagai berikut:

detail of remuneration of BOD in 2013, as follows:

Jenis Remunerasi

168

Jumlah Total

Remuneration Package

Honorarium

Rp6.993.000.000,-

Honorarium

Fasilitas lain

Rp12.088.337.300,-

Other Facilities

Total

Rp19.081.337.300,-

Total






Jumlah anggota Direksi dan Dewan Komisaris yang menerima

Number of Board of Directors and Board of Commissioners

paket remunerasi dalam tahun 2013 dikelompokkan dalam

members who receiced remuneration package in 2013 was

kisaran tingkat penghasilan, sebagai berikut:

classified as follows:

Jumlah remunerasi per orang dalam tahun 2013

Jumlah Direksi Total BOD members

Jumlah Dewan Komisaris Total BOC members

Diatas Rp2 Miliar

-

-

More than Rp2 Billion

Diatas Rp. 1 Milyar s/d Rp2 Miliar

5

3

Above Rp. 1 Billion to Rp2 Billion

Diatas Rp. 500 juta s/d Rp1 Miliar

-

1

Above Rp. 500 Million to Rp1 Billion

Rp500 juta ke bawah

-

-

Rp500 Million or below

Informasi mengenai Pemegang Saham Utama

Total Remuneration per person in 2013

Information of Majority Shareholders

Informasi mengenai Pemegang Saham Utama Information of Majority Shareholders Kabupaten Minahasa Utara, 0.84% Kota Tomohon, 0.84% Kabupaten Gorontalo Utara, 1.17% Kabupaten Sangihe, 1.96% Kabupaten Pohuwato, 2.70%

Pemerintah Provinsi Sulut, 31.17 Pemprov Gorontalo, 3.66 PT Mega Corpora, 22.13% Kopkar PT Bank SULUT, 22.13% Kabupaten Boalemo, 8.09%

Kota Gorontalo, 2.42%

Kabupaten Minahasa, 4.05%

Kota Manado, 2.60%

Kabupaten Gorontalo, 4.66%

Kabupaten Boimong, 2.76%

Kota Bitung, 3.3%


169





Pengungkapan Hubungan Afiliasi Komisaris dan Direksi

Disclosure of Affilation of Board of Commissioners and Board of Directors

Komisaris memiliki/tidak memiliki hubungan keuangan,

Commissioner has/does not have financial, management,

kepengurusan, kepemilikan saham dan/atau hubungan

shareownership and/or family relationship to second heir

keluarga sampai dengan derajat kedua dengan anggota

with other members of Board of Commissioners, Board of

Dewan Komisaris lainnya, Direksi dan/atau pemegang saham

Directors and/or controlling shareholder or relationship with

pengendali atau hubungan dengan Perusahaan yang dapat

the Company which may interfere its independency.

memengaruhi kemampuannya untuk bertindak independen. Hubungan keluarga dan keuangan dapat dilihat pada tabel

Family and Financial Relationship as illustrated on following

sebagai berikut:

table: Hubungan Keluarga Dengan Family Relationship With

Nama Dewan Komisaris dan Direksi Name of BOC and BOD member

170


Ya Yes

Tidak No


Ya Yes

Tidak No

Hubungan Keuangan Dengan Financial Relationship With

Pemegang Saham Pengendali Controlling Shareholders

Ya Yes

Tidak No


Ya Yes

Tidak No


Ya Yes

Tidak No

Pemegang Saham Pengendali Controlling Shareholders

Ya Yes

Tidak No

Robby Mamuaja













Effendy Manoppo













Mustamir Bakri













Alexius Lembong







































Felming Harun













Jeffry Salilo













Judy Koagow














Keterangan bila ada hubungan keluarga dan/atau hubungan keuangan Description if any Family/ Financial relationship





Rangkap Jabatan Dewan Komisaris

Dual Position of Board of Commissioners

Beberapa anggota Dewan Komisaris merangkap jabatan

Several Board of Commissioners members serve in other

sebagai anggota Direksi dan atau Pejabat Eksekutif pada lebih

positions as member of Board of Directors and/or Executives

dari 1 (satu) lembaga/perusahaan dan atau lembaga lainnya.

in 1 (one) other companies/institutions and/or other agencies.

Jabatan rangkap Dewan Komisaris dapat dilihat pada tabel

Dual position of Board of Commissioners as illustrated on

dibawah ini sebagai berikut:

following table: Rangkap Jabatan Dual Position

Bank SULUT

Lembaga lain Other Institutions

Anak Perusahaan Subsidiary

Perusahaan Lain Other Companies


Robby Mamuaja

-

-

-

-

-

Effendy Manoppo

-

-

-

-

-

Mustamir Bakri

-

-

-

-

-

Alexius Lembong

-

-

-

-

-

Nama Name

Rangkap Jabatan Direksi

Dual Position of Board of Directors

Beberapa anggota Direksi merangkap jabatan sebagai

Several Board of Directors members serve in other positions

anggota Direksi dan atau Pejabat Eksekutif pada lebih dari 1

as member of Board of Directors and/or Executives in 1 (one)

(satu) lembaga/perusahaan dan atau lembaga lainnya.

other companies/institutions and/or other agencies.

Jabatan rangkap anggota dapat dilihat pada tabel dibawah

Dual position of Board of Commissioners as illustrated on

ini sebagai berikut:

following table: Rangkap Jabatan Dual Position Bank SULUT

Lembaga lain Other Institutions




–

–

–

–


–

–

–

–

Felming Harun

–

–

–

–

Jeffry Salilo

–

–

–

–

Judy Koagow

–

–

–

–

Nama Nama



171





Kepemilikan Saham Anggota Dewan Komisaris dan Direksi

Shares Ownership of Board of Commissioners and Board of Directors Members

Perusahaan mewajibkan anggota Dewan Komisaris dan

The Company obligates the members of Board of

Direksi untuk mengungkapkan kepemilikan sahamnya,

Commissioners and Board of Directors to disclose their shares

baik pada Perseroan maupun pada perusahaan lain, yang

ownership, both in the Company and other companies, located

berkedudukan di dalam dan di luar negeri dalam suatu

domestic and overseas in an annually updated report.

laporan yang harus diperbaharui setiap tahunnya. Rincian Kepemilikan Saham Dewan Komisaris adalah sebagai

Detail of Sharesownershp of Board of Commissioners is as

berikut:

follows: Kepemilikan Saham Dual Position Nama Name

Jabatan Position

PT PT




Robby Mamuaja

-

-

-

-

-

Effendy Manoppo

-

-

-

-

-

Mustamir Bakri

-

-

-

-

-

Alexius Lembong

-

-

-

-

-


-

-

-

-

-


-

-

-

-

-

Felming Harun

-

-

-

-

-

Jeffry Salilo

-

-

-

-

-

Judy Koagow

-

-

-

-

-

Komite Audit

172

Audit Committee

Berdasarkan Peraturan Bank Indonesia No.8/4/PBI//2006

Pursuant to Regulation of Bank Indonesia No. 8/4/PBI/2006

tentang pelaksanaan Good Corporate Governance bagi Bank

regarding Good Corporate Governance implementation for

Umum sebagaimana diubah dengan PBI No.8/14/PBI/2006,

Commercial Banks as amended under PBI No. 8/14/PBI/2006,

dalam rangka mendukung efektivitas pelaksanaan tugas dan

to support effectiveness of its duty and responsibility, the Board

tanggung jawabnya, Dewan Komisaris dibantu oleh Komite-

of Commissioners is assisted by Committees whose members

komite yang anggotanya dipilih dan diangkat berdasarkan

are appointed and recruited based on integrity, independency,

Integritas, Independensi, Kompetensi dan pengalaman kerja.

competency and working experience.






Fungsi utama dari Komite Audit adalah membantu Dewan

Primary function of Audit Committee is to assist the Board of

Komisaris dalam melakukan fungsi pengawasan terkait

Commissioners in carrying monitoring function which is related

kinerja perusahaan. Fungsi pengawasan tersebut terutama

with performance of the Company. The monitoring function is

menyangkut pengendalian internal perusahaan, memastikan

mainly related with internal audit, ensuring quality of financial

kualitas laporan keuangan, dan meningkatkan efektivitas

statements, and enhancing effectiveness of audit function,

fungsi audit, baik internal maupun eksternal, dan melakukan

both internal and external and carry review related with GCG

review terkait implementasi GCG.

implementation.

Uraian Tugas dan Tanggung Jawab

Description of Duty and Responsibility

Fungsi dan tugas dari Komite Audit Bank SULUT sesuai Surat

Function and duty of Audit Committee of Bank Sulut based on

Keputusan Komisaris Bank SULUT adalah sebagai berikut:

Decree of Board of COmmissioers are as follows:

1. Menganalisa informasi keuangan yang akan dikeluarkan

1. Analyzing financial information which will be issued by the

Perseroan seperti laporan keuangan, proyeksi dan

Company such as financial statements, projection and other

informasi keuangan lainnya.

financial information.

2. Menganalisa dan memperhatikan ketaatan Perseroan

2. Analyzing and concerning compliance of the Company

terhadap peraturan perundang-undangan di bidang

against regulation of Stock Market and other regulation

Pasar Modal dan peraturan perundang-undangan lainnya

which are related with activity of the Company.

yang berhubungan dengan kegiatan Perseroan. 3. Menganalisis

dan

memperhatikan

pelaksanaan

3. Analyzing and considering audit implementation by internal auditor.

pemeriksaan oleh auditor internal. 4. Melaporkan kepada Dewan Komisaris berbagai risiko

4. Reporting to the Board of Commissioners as a risk faced by

yang dihadapi Perseroan dan pelaksanaan manajemen

the Company and implementing risk management by the

risiko oleh Direksi.

Board of Directors.

5. Melakukan analisis dan melaporkan kepada Dewan

5. Carrying analysis and reporting to the Board of

Komisaris atas pengaduan yang berkaitan dengan

Commissioners regarding any complaint which is related

Perseroan.

with the Company.

6. Melakukan

penelaahan

atas

independensi

dan

6. Carrying review on independency and objectiveness of public accountant.

objektivitas akuntan publik. 7. Menjaga kerahasiaan dokumen, data dan informasi.

7. Preserving

confidentiality

of

document,

data

and

Program Kerja

Working Program

Dalam rangka mendukung efektivitas pelaksanaan tugas dan

To support effectiveness of duty and responsibility of Board of

tanggung jawab Dewan Komisaris, fokus kerja Komite Audit

Commissioners, working focus of Audit Committee throughout

sepanjang 2013 meliputi:

2013 is including:

1. Pemantauan dan evaluasi atas perencanaan dan

1. Monitoring and evaluating internal Audit planning and

information.

pelaksanaan Audit Intern serta pemantauan atas tindak

implementation as well as audit result follow-up.

lanjut hasil audit. 2. Evaluasi

serta

2. Evaluating the Bank’s Business Plan implementation and

penyusunan laporan Pengawasan Pelaksanaan Rencana

pelaksanaan

Rencana

Bisnis

Bank

preparation of supervisory report of the Business Plan

Bisnis.

implementation.


173




3. Kepatuhan Bank terhadap peraturan dan perundangundangan yang berlaku serta hasil keputusan RUPS.

3. Bank’s Compliance against prevailing law and regulation as well as GMS Decision.

Guna menjamin efektivitas dan efisiensi kegiatan operasional,

To assure effectiveness and efficiency of operational activity, the

Komite Audit telah menyusun program kerja sebagai berikut:

Audit Committee has prepared working program, as follows:

1. Melakukan evaluasi fungsi audit intern atas perencanaan

1. Performing internal audit function evaluation on audit

dan pelaksanaan audit serta pemantauan tindak lanjut

planning and implementation and monitoring audit result

hasil audit.

follow up.

2. Memonitor tindak lanjut temuan-temuan pemeriksaan Auditor Ekstern (BI, BPK, KAP). 3. Evaluasi

pelaksanaan

Rencana

2. Monitoring follow-up of external auditor audit findings (BI, BPK, KAP).

Bisnis

Bank

serta

3. Evaluating implementation of Bank’s Business Plan and

pembuatan laporan pengawasan Rencana Bisnis Dewan

prepation of monitoring result on Board of Commissioners

Komisaris kepada Bank Indonesia.

business plan report to Bank Indonesia.

4. Melakukan penelaahan dan Evaluasi Laporan Keuangan Bank. 5. Melakukan penelaahan dan Evaluasi Perkembangan Kualitas Aktiva Produktif. 6. Laporan pertanggungjawaban tahunan tugas-tugas Dewan Komisaris pada Rapat Umum Pemegang Saham.

4. Preforming review and evaluation of Financial Statements of the Bank. 5. Performing review and evaluation of Earning Assets Quality Growth. 6. Annual accountability report of Board of Commissioners duties on the General Meetings of Shareholders.

7. Memberi pertimbangan dan rekomendasi kepada Dewan

7. Providing consideration and recommendation to the Board

Komisaris mengenai penunjukan Akuntan Publik dan

of Commissioners regarding Public Accountant and Public

Kantor Akuntan Publik.

Accountant Office appointment.

8. Melakukan penelaahan Kepatuhan Bank terhadap peraturan perundang-undangan yang berlaku. 9. Melakukan penelaahan atas permohonan Kredit pihak terkait untuk persetujuan Dewan Komisaris. 10. Melakukan penelaahan surat-surat masuk/informasi dari Dewan Komisaris serta memberikan rekomendasi. 11. Melakukan kunjungan ke kantor cabang untuk review dokumentasi kredit komersial.

8. Performing review of Bank’s compliance against prevailing regulation. 9. Performing review on Credit proposal from related aprty to be approved by Board of Commissioners. 10. Performing review of incoming letters/information from the Board of Commissioners and providing recommendation. 11. Performing visit to branch office to review commercialloan documentation.

Kualifikasi dan Komposisi Komite Audit

Qualification and Composition of Audit Committee

Untuk menjamin kualitas kerja Komite Audit, Perusahaan

To ensure working quality of Audit Committee, the Company

menetapkan serangkaian kriteria yang harus dipenuhi oleh

determines set of requirement which has to be fulfilled by

anggota Komite Audit, yaitu:

Audit Committee members, as follows:

•

Memiliki integritas yang tinggi, berdedikasi, pengetahuan

- Holds high integrity, dedication, appropriate knowledge

dan pengalaman yang memadai sesuai dengan latar

and experience referring to its educational background as

belakang pendidikannya, serta mampu berkomunikasi

well as possess good communication skill.

dengan baik.

174




•




Memiliki kemampuan dan pengalaman di bidang

- Holds knowledge and experience on supervisory and/

pengawasan dan/atau audit akuntansi, keuangan dan

or accounting, financial audit and understanding risk

memahami manajemen risiko

management.

•

Memiliki pengetahuan mengenai proses bisnis Perseroan

- Holds knowledge on Company’s business process.

•

Memiliki waktu yang cukup untuk melaksanakan tugas-

- Holds adequate time to implement its duties.

tugasnya •

Bukan merupakan orang dalam Auditor Eksternal, Kantor

- Not becomes part of External Auditor, Legal Consultant

Konsultan Hukum, atau pihak lain yang memberi jasa

Firm, or other parties that provide audit, non-audit or other

audit, jasa non-audit dan atau jasa konsultasi lain kepada

consultancy services to the Company within the last 6 (six)

Perseroan dalam waktu 6 (enam) bulan terakhir sebelum

months before appointed by the Board of Commissioners.

diangkat oleh Dewan Komisaris •

dan

- Does not hold any authority or responsibility to plan, lead or

tanggung jawab untuk merencanakan, memimpin atau

manage the Company within the last 2 (two) years before

mengendalikan Perseroan dalam waktu 2 (dua) tahun

appointed by the Board of Commissioners.

Bukan

orang

yang

mempunyai

wewenang

terakhir sebelum diangkat oleh Dewan Komisaris Anggota Komite Audit diangkat berdasarkan Keputusan Rapat

The Audit Committee members are appointed based on

Dewan Komisaris dan ditetapkan dengan surat keputusan

Decision of Board of Commissioners meeting and implemented

direksi PT Bank SULUT. Berdasarkan Surat Keputusan Direksi

under PT Bank Sulut Board of Directors Decree No. 060/SK-SDM/

PT Bank SULUT No. 060/SK-SDM/DIR/IX/2012 tanggal 18

DIR/IX/2012 dated September 18th, 2012, number of Audit

September 2012, jumlah anggota Komite Audit sebanyak

Committee member of 3 (three) membes with membership

3 (tiga) orang dengan komposisi keanggotaan terdiri dari 1

composition consists of 1 (one) Independent Commissione as

(satu) orang Komisaris Independen sebagai Ketua merangkap

Chairman and member, and 2 (two) other Audit Committee

anggota dan 2 (dua) orang anggota Komite Audit dari pihak

members from independent parties, and based on PT Bank

independen, dan berdasarkan Surat Keputusan Direksi PT

Sulut Board of Directors Decree No. 048c/SK-SDM/DIR/VI/2013

Bank SULUT No.048c/SK-SDM/DIR/VI/2013 tanggal 18 Juni

dated June 18th, 2013 determines composition of Audit

2013 menetapkan susunan anggota Komite Audit sebagai

Committee members is as follows:

berikut: 1) Mustamir Bakri

: Ketua

(Komisaris Independen)

1) Mustamir Bakri

: Chairman

(Independent Commissioner)

2) Jan F. Mangindaan, SE : Anggota

2) Jan F. Mangindaan, SE

: Member

3) Adolf F. Mangundap, SH : Anggota

3) Adolf F. Mangundap, SH : Member

Profil Komite Audit

Profile of Audit Committee

Mustamir Bakri (Ketua)

Mustamir Bakri (Chairman)

Kelahiran Bukit Tinggi, 16 Agustus 1944. Mendapatkan gelar

Born in Bukittinggi, August 16th, 1944. Awarded Bachelor of

Sarjana Ekonomi dari Universitas Andalas Padang, Sumatera

Economy from Universitas Andalas Padang, West Sumatera.

Barat. Memulai karir Perbankan di Bank Indonesia pada tahun

Starting banking career in Bank Indonesia in 1974. Once served

1974. Pernah menjabat sebagai Deputi Direktur Unit Khusus

as Deputy of Banking Investigation Special Unit Director and

Investigasi Perbankan Bank Indonesia, kemudian menjadi

later appointed as Expert Staff in Banking Recovery Agency, and

staf ahli pada Badan Penyehatan Perbankan, saat ini juga

currently also serves as Audit Committee member of PT Bank

menjabat sebagai Anggota Komite Audit PT Bank Mega Tbk,

Mega Tbk, appointed as Commissioner of Bank Sulut in 2012.

diangkat menjadi Komisaris Bank SULUT pada tahun 2012.


175





Jan F. Mangindaan, SE (Anggota)

Jan F. Mangindaan, SE (Member)

Kelahiran Amurang, 23 Mei 1953. Mendapatkan gelar

Born in Amurang, May 23rd, 1953. Awarded Diploma of

Sarjana Muda Akuntansi dan Sarjana Ekonomi, memulai

Accounting and Bachelor of Economy, starting banking career

karir perbankan pada tahun 1988 dan pernah menjabat

in 1988 and seved in several position in PT Bank Sulut namely

beberapa jabatan yang ada di PT Bank SULUT diantaranya

Head of Business Loan Division, as Head of Kawangkoan Branch

Kepala Bagian Kredit Usaha, sebagai Pemimpin Cabang

Office, Head of Tondano Branch Office, Head of Primary Branch

Kawangkoan, Pemimpin Cabang Tondano, Pemimpin Cabang

Office, Head of Treasury Division, Head of Finance & Technology

Utama, Pemimpin Divisi Trisuri, Pemimpin Divisi Pengendalian

Controlling Division, and Head of Internal Audit Unit. Appointed

Keuangan & Teknologi (PKT) dan Pemimpin Satuan Kerja

as member of Audit Committee in 2008.

Audit Intern (SKAI). Diangkat menjadi Komite Audit perseroan pada tahun 2008. Adolf F. Mangundap, SH (Anggota)

Adolf F. Mangundap, SH (Member)

Kelahiran Tondano, 07 Juli 1944. Mendapatkan gelar

Born in Tondano, July 7th, 1944. Awarded Bachelor of Law in

Sarjana Hukum pada tahun 1976, memulai karir perbankan

1976, starting his banking career in 1999 as legal Officer of BPD

pada tahun 1999 sebagai Legal Officer BPD Sulawesi Utara,

Sulawesi Utara, as Chairman of Policy and Legal Group, Risk

sebagai Pemimpin Kelompok Kebijakan dan Hukum Divisi

Management and Compliance Division at BPD Sulawesi Utara,

Manajemen Risiko dan Kepatuhan BPD Sulawesi Utara, Komite

Risk Monitoring Committee of BPD Sulawesi Utara. Previously,

Pemantau Risiko BPD Sulawesi Utara. Sebelumnya pernah

also served in several position in public institution such as Head

menjabat beberapa jabatan di pemerintahan diantaranya

of Legal and Administration Division, Secretary of Manado City,

sebagai Kepala Bagian Hukum dan Tatalaksana Sekretariat

Secretary of Local Parliament of Manado, Head of Legal Bureau,

Kotamadya Manado, Sekretaris DPRD Kotamadya Manado,

Regional Secretary, Sulawesi Utara Province. Appointed as

Kepala Biro Hukum Sekretariat Daerah Provinsi Sulawesi Utara.

Audit Committee in 2011.

Diangkat menjadi Komite Audit perseroan pada tahun 2011.

Independensi Komite Audit

Independency of Audit Committee

Anggota Komite Audit Bank SULUT terdiri dari individu-

Members of Audit Committee in Bank Sulut consists of

individu yang tidak ada kaitan dengan kepengurusan,

individuals which are not having affiliation from management,

kepemilikan saham dan/atau hubungan keluarga sampai

share ownership and/or family relationship to second heir with

dengan derajat kedua anggota Dewan Komisaris lainnya,

other member of Board of Commissioners, Board of Directors

Direksi dan/atau pemegang saham pengendali atau

and/or controlling shareholders or other relationship with the

hubungan dengan Perseroan sehingga mampu menjamin

Company which guarantees independency in every decision

independensi dalam setiap pengambilan keputusan.

making.

Aspek Independensi Independency Aspect

Mustamir Bakri

Jan F. Mangindaan

Adolf F. Mangundap

Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi Does not hold any financial relationship with Board of Commissioners and Board of Directors

-

-

-

Komisaris

-

-

-

-

-

Tidak memiliki hubungan kepengurusan di Bank SULUT, anak perusahaan maupun perusahaan afiliasi Does not hold any financial relationship at Bank Sulut, subsidiaries or affiliated companies Tidak memiliki hubungan kepemilikan saham di Bank SULUT Does not hold any share ownership relation

176







Mustamir Bakri

Jan F. Mangindaan

Adolf F. Mangundap

Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi dan/atau sesama anggota Komite Audit Does not hold any family relationship with Board of Commissioners, Board of Directors and/or other Audit Committee members

-

-

-

Tidak menjabat sebagai pengurus partai politik, pejabat pemerintah daerah Does not served as committee of political party, local government executive officers

-

-

-

Pelaksanaan Kegiatan Komite Audit 2013

Duty Implementation of Audit Committee 2013

Berdasarkan program kerja yang disusun Komite Audit, berikut

Based on working program prepared by Audit Committee,

adalah pelaksanaan tugas komite selama tahun 2013:

following are duty implementation of the committee in 2013:

1. Pemantauan ke kantor-kantor Cabang

1. Monitoring to Branch offices.

No

TANGGAL Date

CABANG Branch

1

26 – 28 Februari 2013

Kotamobagu

2

15 – 17 Juli 2013

Tilamuta

3

17 – 19 Juli 2013

Marisa

PERIHAL Agenda Review Dokumen Kredit Komersial pada Kantor Cabang Kotamobagu Review of Commercial Loan Document at Kotamobagu Branch Office Review Dokumen Kredit Komersial pada Kantor Cabang Tilamuta Review of Commercial Loan Document at Tilamuta Branch Office Review Dokumen Kredit Komersial pada Kantor Cabang Marisa Review of Commercial Loan Document at Marisa Branch Office

2. Pemantauan dan Evaluasi atas perencanaan dan pelaksanaan audit intern serta pemantauan atas tindak

2. Monitoring and evaluating internal audit planning and implementation and overseeing follow-up of audit result.

lanjut hasil audit 3. Evaluasi

pelaksanaan

rencana

bisnis

bank

serta

penyusunan laporan pengawasan pelaksanaan rencana

3. Evaluation of business plan implementation and preparation of business plan implementation monitoring report.

bisnis 4. Kepatuhan bank terhadap peraturan dan perundangundangan yang berlaku serta keputusan hasil RUPS.

4. Bank’s compliance against prevailing regulation and law and GMS Decision.


177




Frekuensi Pertemuan dan Tingkat Kehadiran Komite Audit

Frequency and Attendance Level of Audit Committee Meeting

Terkait dengan pelaksanaan fungsi Komite Audit, selama

Related with function implementation of Audit Committee,

tahun 2013 Komite telah mengadakan 49 rapat dengan

throughout 2013, the Committee held 49 meetings with

rincian tingkat kehadiran sebagai berikut:

attendance level, as follows:

Nama Name



Mustamir Bakri

49

100%

Jan F. Mangindaan

49

100%

Adolf F. Mangundap

49

100%

Frekuensi rapat Komite Audit selama tahun 2013, meliputi

Frequency of Audit Committee meeting in 2013, including

rapat Dewan Komisaris dengan Komite Audit sebanyak 28 kali,

Board of Commissioners Meeting with the Audit Committee

sebagai berikut:

was 28 meetings as follows:

No

Tanggal Date

1

03 Januari 2013

- - - -

Perolehan laba tahun buku 2012 Tindak Lanjut Temuan BPK-RI Profit realization for fiscal year 2012 BPK – RI Finding Follow-up

2

07 Januari 2013

- - - -

Persiapan RUPS tahunan dan RUPS LB Laporan Pengawasan Dewan Komisaris Preparation of Annual and Extraordinary GMS Board of Commissioners Supervisory Report

3

28 Januari 2013

- - - - - -

Struktur organisasi baru Adanya staf ahli Unit kerja anti fraud New Organization Structure Expert staff Anti-Fraud Working Unit

4

21 Februari 2013

- Rapat bersama Dewan Komisaris, Direksi, Pemimpin Divsi dan komite perihal Exit Meeting dengan Kantor Akuntan Publik - Joint Meeting of Board of Commissioners, Board of Directors, Head of Division, and Committees regarding Exit Meeting with Public Accountant Office

Materi Agenda

16 April 2013

- - - - - -

Persiapan pelaksanaan RUPS Tindak Lanjut Keputusan RUPS 28 September 2012 Kebijakan penerimaan pegawai tahun 2013 Preparation of GMS Implementation Follow up of GMS Decision on December 28th, 2012 Employee recruitment policy 2013

6

06 Mei 2013

- - - -

RUPS tahunan, penggunaan laba, laporan pertanggung jawaban Materi RUPS LB Annual GMS, profit realization, accountability report EGMS Agenda

7

30 Mei 2013

- - - -

Efisiensi Biaya terutama biaya perjalanan dinas Modal disetor / simulasi komposisi modal Cost efficiency mainly official trip expense Paid-in capital/capital composition simulation

8

04 Juni 2013

- Pembahasan Draft Internal Audit Charter SKAI - Discussion of Internal Audit Charter Draft by IAU

5

178







No

Tanggal Date

9

11 Juni 2013

- Materi RUPS-Pra RUPS, RUPS tahunan dan RUPS LB - Agenda of Pre-GMS, Annual GMS and EGMS

18 Juni 2013

- - - -

Persiapan RUPS, narasi RUPS sesuai materi Kajian PBI 14/24/PBI/2012 perihal Kepemilikan Tunggal pada Perbankan Preparation of GMS, GMS narration based on agenda Review of PBI 14/24/PBI/2012 regarding Single Ownership in Banking

11

09 Juli 2013

- - - -

Rencana Review Dokumen Kredit Komersial di Cabang Persiapan Audit KAP, proses penunjukan KAP Commercial Loan Document in Branch Office Review Plan Preparation of Public Accountant Office Audit and Appointment

12

10 Juli 2013

- Pertemuan Dekom, Direksi, Pemimpin Divisi dan Komite pembahasan BPP ICAAP, Revisi BPP Manajemen Risiko - Joint Meeting of BOC, BOD, Head of Division and Committees to discuss BPP ICAAP, Revision of Risk Management BPP

13

11 Juli 2013

- Evaluasi Kinerja Keuangan PT Bank SULUT Triwulan II tahun 2013 - Financial Performance of PT. Bank Sulut Triwulan Evaluation for 2nd Quarter in 2013

14

24 Juli 2013

- Perihal Surat dari Bank Indonesia No.15/1/DPKP tanggal 03 2013 - Regarding Letter of Bank Indonesia No.15/1/DPKP dated 03 2013

15

30 Juli 2013

- Revisi Rencana Bisnis tahun 2013-2015, pengaruh signifikan pada rencana bisnis sesuai PBI: Modal inti, Jaringan Kantor, Kredit Produktif - Amendment of Business Plan for 2013-2015 period, significant impact on business plan based on PBI: Core Capital, Office Network, Productive Loan

16

31 Juli 2013

- Pembahasan Revisi Rencana Bisnis - Discussion of Business Plan Revision

17

12 Agustus 2013

- - - -

18

19 Agustus 2013

- Presentasi penawaran 3 (tiga) KAP untuk audit Perseroan Tahun Buku 2013 - Offering Presentation from 3 (three) Public Accountant Office for the Company’s audit Fiscal Year 2013

19

20 Agustus 2013

- Pelampauan anggaran Asuransi Jabatan pengurus PT Bank SULUT - Exceeding of position insurance budget for the management of PT. Bank Sulut

20

23 Agustus 2013

- Penunjukan KAP berdasarkan penawaran dan hasil presentasi masing-masing KAP - Public Accountant Office appointment based on offering and presentation result of each Public Accountant Office.

21

10 September 2013

- Penilaian Saham PT Bank SULUT oleh Konsultan - PT. Bank Sulut Shares Appraisal by Consultant

22

12 September 2013

- Evaluasi Perencanaan dan Pelaksanaan Audit dan Tindak Lanjut oleh SKAI - Evaluation of Audit Planning and Implementation and Follow-up by Internal Audit Unit

23

09 Oktober 2013

- Evaluasi Kinerja Keuangan Bank SULUT Triwulan III tahun 2013 - Financial Performance of PT. Bank Sulut Triwulan Evaluation for 3rd, Quarter in 2013

24

29 Oktober 2013

- Tindak lanjut hasil pemeriksaan Bank Indonesia Kredit kepada Pihak terkait / pegawai Bank SULUT - Follow-up of Bank Indonesia audit result from Bank Indonesia regarding loan to related party/employees ofi Bank Sulut

25

31 Oktober 2013

- Rencanan tambahan Modal Disetor Pemerintah Provinsi Sulawesi Utara - Additional paid-in capital planning from Provincial Government of Sulawesi Utara Province

26

25 November 2013

- Pembahasan Draft Rencana Bisnis PT Bank SULUT tahun 2014-2016 - Discussion of Business Plan Draft of PT. Bank Sulut for 2014-2016 period

27

06 Desember 2013

- Pembahasan penyesuaian Rencana Bisnis 2014-2016 sesuai petunjuk Bank Indonesian - Discussion of Business Plan alignment for 2014-2016 period based on reference from Bank Indonesia

27 Desember 2013

- - - -

10

28

Materi Agenda

Perihal Kantor Akuntan Publik untuk audit tahun buku 2013 Laporan Realisasi Rencana Bisnis ke Bank Indonesia Regarding Public Accountant Office for audit in fiscal year 2013 Report of Business Plan realization to Bank Indonesia

Tindak Lanjut Keputusan RUPS Juni 2013 Rencana Rapat Dewan Komisaris dengan Direksi tanggal 31 Desember 2013 Follow-up of GMS Decision on June 2013 Board of Commissioners Meeting with Board of Directors Plan dated December 31st, 2013


179


180




Frekuensi rapat Komite Audit selama tahun 2013, meliputi

Frequency of Audit Committee meeting in 2013, including Audit

Rapat Intern Komite Audit/Rekomendasi Komite sebanyak 21

Committee Internal Meeting/Committee Recommendation

kali, sebagai berikut:

was 21 meetings as follows:

No

Tanggal Date

1

16 Januari 2013

- Laporan Pengawasan Rencana PT Bank SULUT Semester II tahun 2013 - Supervisory Report of PT Bank Sulut 2nd Semester of 2013

2

21 Maret 2013

- Premi Asuransi Jabatan mantan Direksi PT Bank SULUT - PT Bank Sulut Ex-Directors Insurance Premium

3

25 Maret 2013

- Review hasil audit SKAI pada cabang utama - Review of IAU audit result in Primary Branch Office

4

10 April 2013

- Pelimpahan wewenang RUPS pada Dewan Komisaris untuk Penunjukan Kantor Akuntan Publik (KAP) 2013 - Authority delegation to the Board of Commissioners to appoint Public Accountant Office 2013

5

10 April 2013

- Evaluasi pelaksanaan Audit Kantor Akuntan Publik tahun buku 2012 - Evaluation of Public Accountant Office implementation for fiscal year 2012

6

11 April 2013

- - - -

7

30 April 2013

- Evaluasi Kinerja Keuangan PT Bank SULUT Triwulan I tahun 2013 - Evaluation of PT Bank Sulut Financial Performance 1st Quarter of 2013

8

31 Mei 2013

- Action Plan penyesuaian Kegiatan Usaha dan Jaringan Kantor berdasar Modal Inti Bank - Action Plan of Aligning Business Activity and Office Network based on Bank Core Capital

9

20 Juni 2013

- Pengenaan Sanksi Denda dari Bank Indonesia - Penalty from Bank Indonesia

10

02 Juli 2013

- Revisi Rencanan Bisnis PT Bank SULUT tahun 2013-2015 - Amendment of PT Bank Sulut Business Plan for 2013-2015

11

12 Juli 2013

- Evaluasi Kinerja Keuangan PT Bank SULUT Triwulan II tahun 2013 - Evaluation of PT Bank Sulut Financial Performance 2nd Quarter of 2013

12

12 Agustus 2013

- Pelampauan Anggaran pelaksanaan Asuransi Jabatan - Budget exceeding of Position Insurance

13

21 Agustus 2013

- Penunjukan Kantor Akuntan Publik dan Akuntan Publik Audit Laporan Keuangan PT Bank SULUT Tahun Buku 2013 - Appointment of Public Accountant Office and Public Accountant to audit Financial Statements of PT Bank Sulut Fiscal Year 2013

14

07 Oktober 2013

- Evaluasi Kinerja Keuangan PT Bank SULUT Triwulan III tahun 2013 - Evaluation of PT Bank Sulut Financial Performance 3rd Quarter of 2013

15

04 November 2-13

- Hapus Buku Kredit Konsumer tahun 2013 - Consumer Loan Write-Off 2013

16

14 November 2013

- Rencana Bisnis PT Bank SULUT tahun 2014-2016 - PT Bank Sulut Business Plan for 2014-2016

17

04 Desember 2013

- Kredit kepada Pihak Terkait a.n Wakil Bupati Kepulauan Sangihe - Loan to Related Party, Deputy of Mayor of Kepulauan Sangihe

18

08 Desember 2013

- Kredit kepada Pihak Terkait a.n Wakil Bupati Kepulauan Sitaro - Loan to Related Party, Deputy of Mayor of Kepulauan Sitaro

19

10 Desember 2013

- Tindak Lanjut Pemeriksaan Umum Bank Indonesia tahun 2013 - Follow-up General Audit by Bank Indonesia in 2013

20

30 Desember 2013

- Kredit kepada Pihak terkait a.n PT Gunung Boliyohuto - Loan to Related Party PT Gunung Boliyohuto


Materi Agenda

Evaluasi pelaksanaan tugas SKAI tahun 2012 Pemantauan dan Evaluasi atas Perencanaan Audit SKAI tahun 2013 Evaluation of IAU duty implementation of 2012 Monitoring and evaluation of IAU Audit Plan in 2013





Hasil pertemuan Dewan Komisaris dengan Komite Audit

Result of Board of Commissioners and Audit Committee

maupun

Dewan

meeting as well as recommendation from the Committee is

Komisaris dengan surat kepada Direksi dan atau pembahasan

followed-up by the Board of Commissioners under letter to

secara langsung melalui Rapat Dewan Komisaris dan Direksi

the Board of Directors and/or direct discussion on PT Bank

PT Bank Sulut.

Sulut Joint Meeting of Board of Commissioners and Board of

Rekomendasi

Komite

ditindaklanjuti

Directors.

Kebijakan Suksesi Direksi

Board of Directors Succession Policy

Kualifikasi dan persyaratan Direksi telah diatur di dalam

Qualification and requirement of the Board of Directors is

Peraturan Bank Indonesia Nomor: 11/ 1 /Pbi/2009 Tentang 

regulated under Bank Indonesia Regulation No. 11/1/PBI/2009

Bank Umum dengan masa jabatan ditetapkan 5 (lima) tahun

regarding Commercial Banks with serving period of 5 (five) years

dan dapat diangkat kembali untuk satu kali masa jabatan.

and may be reappointed for one next period. The appointment

Adapun pengangkatan dan pemberhentian Direksi ditetapkan

and dismissal of Board of Directors is determined by GMS.

oleh RUPS.

Komite Pemantau Risiko

Risk Monitoring Committee

Uraian Tugas dan Tanggung Jawab Komite Pemantau Risiko

Description of duty and responsibility of Risk Monitoring Committee

Komite Pemantau Risiko bertugas membantu pelaksanaan

Risk Monitoring Committee is in charge to assist implementation

fungsi pengawasan dan pembinaan oleh Dewan Komisaris

of monitoring and development function of the Board of

terhadap eksekutif (direksi beserta jajarannya) dalam area

Commissioners towards the Executives (Board of Directors and

penerapan Manajemen Risiko agar dapat terlaksana secara

Management) on area of Risk Management implementation

efektif, baik mengenai isu-isu manajemen risiko dan sistem

to be carried effectively, both regarding risk management and

pengawasan internal serta langkah-langkah antisipatif yang

internal audit system issues and anticipatory actions which are

diambil Direksi dalam pengelolaan risiko dan perbaikan

taken by the Board of Directors in mitigating risk and improving

kebijakan manajemen risiko.

risk management policy.

Komite Pemantau Risiko antara lain melakukan:

The Risk Monitoring Committee is namely carrying:

1. Pemantauan dan evaluasi tentang kesesuaian antara

1. Monitoring and evaluation regarding conformity between

kebijakan manajemen risiko dengan pelaksanaan kebijakan

risk management policy and its implementation.

manajemen risiko 2. Pemantauan dan evaluasi pelaksanaan tugas Komite

2. Monitoring and evaluation of duty implementation of

Manajemen Risiko, Divisi Manajemen Risiko dan Kepatuhan

Risk Management Committee, Risk Management and Compliance Division.

Selain itu, Komite Pemantau Risiko juga membantu Dewan

Thus, the Risk Monitoring Committee also assits the Board

Komisaris dalam meningkatkan kualitas pelaksanaan tata

of Commissioners in improving quality of Good Corporate

kelola yang baik dengan menerapkan prinsip-prinsip GCG.

Governance implementation by applying GCG principles.


181




Untuk memperkuat kondisi internal serta mengidentifikasi

To strengthen internal condition and identify several aspects

hal-hal yang memerlukan perhatian Dewan Komisaris,

which require concern from the Board of Commissioners,

Komite Pemantau Risiko memberikan rekomendasi antara lain

the Risk Monitoring Committee provides recommendation

terhadap hal-hal berikut:

namely on following things:

No

182


Tanggal Date

Materi Agenda

1

04 Januari 2013

- Pemberitaan harian Komentar edisi hari Jumat tanggal 04 Januari 2013, dengan judul BS Kotamobagu koleksi Kredit Macet Tertinggi - Publicaiton on Komentar newspaper, Friday, 04 January 2013 edition, entitled “Bank Sulut Kotamobagu collects Highest Non-Performing Loan”

2

07 Januari 2013

- Pantauan Profil Risiko bulan November 2012 - Monitoring of Risk Profile for November 2012

3

04 Februari 2013

- Sanksi Laporan Kantor Pusat Bank Umum (LKBU) - Punishment for Commercial Reporting Head Office Reporting

4

05 Februari 2013

- Rencana Bisnis Bank (RBB) Tahun 2013-2015 - Bank Business Plan for 2013-2015

5

05 Februari 2013

- Laporan Pelaksanaan Tugas Direktur Kepatuhan - Compliance Director Duty Implementation Report

6

11 Maret 2013

- Pantauan Profil Risiko bulan Januari 2013 - Monitoring of Risk Profile for January 2013

7

02 April 2013

- Pantauan Profil Risiko bulan Februari 2013 - Monitoring of Risk Profile for February 2013

8

04 April 2013

- Sanksi Laporan Kantor Pusat Bank Umum (LKBU) - Punishment for Commercial Reporting Head Office Reporting

9

26 April 2013

- Pantauan Profil Risiko bulan Maret 2013 - Monitoring of Risk Profile for March 2013

10

23 Juli 2013

- Pantauan Profil Risiko bulan Juni 2013 - Monitoring of Risk Profile for June 2013

11

02 September 2013

- Pantauan Profil Risiko bulan Juli 2013 - Monitoring of Risk Profile for July 2013

12

23 Oktober 2013

- Pantauan Capital Adequacy Ratio (CAR) - Monitoring of Capital Adequacy Ratio (CAR)

13

24 Oktober 2013

- Pantauan Profil Risiko Trw III/September 2013 - Risk Profile Monitoring 3rd Quarter /September 2013

14

26 November 2013

- Pantauan Profil Risiko bulan Oktober 2013 - Monitoring of Risk Profile for October 2013

15

17 Desember 2013

- Pantauan Profil Risiko bulan November 2013 - Monitoring of Risk Profile for November 2013

Komite Pemantau Risiko melaksanakan tugasnya berdasarkan

The Risk Monitoring Committee carries its duties based on Risk

Buku Pedoman Kerja Komite Pemantau Risiko. Dalam

Monitoring Committee Working Manual Book. In carrying its

menjalankan tugasnya Komite Pemantau Risiko berkoordinasi

duties, the Risk Monitoring Committee coordinates with related

dengan unit kerja terkait dan Komite Audit.

working unit and Audit Committee.

Kualifikasi dan Komposisi Komite Pemantau Risiko

Qualification and Composition of Risk Monitoring Committee

Berdasarkan keputusan rapat Dewan Komisaris tanggal 13

Pursuant to Decision of Board of Commissioners meeting dated

Februari 2012 yang dituangkan dalam Surat Keputusan Direksi

February 13th, 2012 as stated on Decree of Board of Directors

No.060/SK-SDM/DIR/IX/2012 tanggal 18 September 2012

No. 060/SK-SDM/DIR/IX/2012 dated September 18th, 2012






tentang pemberhentian dan pengangkatan anggota Komite

regarding dismissal and appointment of members of Audit

Audit, Komite Pemantau Risiko dan Komite Remunerasi

Committee, Risk Monitoring Committee and Remuneration

dan Nominasi PT Bank SULUT, jumlah anggota Komite

and Nomination Committee of PT Bank Sulut, number of Risk

Pemantau Risiko sebanyak 3 (tiga) orang dengan komposisi

Monitoring Committee Members are 3 (three) members with

keanggotaan pada akhir 2013 terdiri dari 1 (satu) orang

composition as end of 2013 consists of 1 (one) Indpendent

Komisaris Independen sebagai Ketua merangkap anggota

Commissioner as Chairman and member and other 2 (two)

dan 2 (dua) orang anggota Komite Pemantau Risiko dari

members of Risk Monitoring Committee from independent

pihak Independen. Dan berdasarkan Surat Keputusan Direksi

parties. And, pursuant to Deceree of PT Bank Sulut Board

PT Bank SULUT No. 089a/SK/SDM/DIR/X/2013 tanggal 29

of Directors No. 089a/SK/SDM/DIR/X/2013 dated October

Oktober 2013 tentang Perubahan atas SK Direksi No. 048c/

29th, 2013 regarding amendment of PT Bank Sulut Board of

SK-SDM/DIR/VI/2013 tanggal 18 Juni 2013 tentang perubahan

Directors Decree No. 048c/SK-SDM/DIR/VI/2013 dated June

atas SK Direksi No.060/SK-SDM/DIR/IX/2012 tanggal 18

18th, 2013 regarding amendment of BOD Decree No. 060/SK-

September 2012 tentang Pemberhentian dan Pengangkatan

SDM/IX/2012 dated September 18th, 2012 regarding dismissal

anggota Komite Audit, maka Komite Pemantau Risiko dan

and appointment of Audit Committee members, the Risk

Komite Remunerasi dan Nominasi PT Bank SULUT sebagai

Monitoring Committee and Remuneration and Nomination

berikut:

Committee of PT Bank Sulut is as follows:

1. Alexius Lembong

: Ketua

1. Alexius Lembong : Chairman

(Komisaris Independen)

(Independent Commissioner)

2. Supit P. Mamahit

2. Supit P.Mamahit

: Anggota

: Member

3. Franklin A.A.Montolalu : Anggota

Franklin A.A.Montolalu : Member

Profil Komite Pemantau Risiko

Profile of Risk Monitoring Committee

Alexius Lembong

Alexius Lembong

Alexius Lembong lahir pada tanggal 24 September 1951 di

Alexius Lembong was born on September 24th, 1951 in Sonder.


He was graduated as Bachelor of Economy from Universtias


Sam Ratulangi, Manado and awarded Master of Management

di Universitas yang sama. Diangkat sebagai Komisaris Utama

in same University. Appointed as President Commissioner in

pada tahun 2013 dan menjadi Ketua Komite Pemantau Risiko

2013, and Chairman of Risk Monitoring Committee.

Supit P.Mamahit

Supit P. Mamahit

Kelahiran Tondano, 30 Agustus 1951. Mendapatkan gelar

Born in Tondano, August 30th, 1951. Awarded Bachelor of

Sarjana Teknik, memulai karir perbankan pada tahun 1985

Engineering and started banking career in 1985 and served in

dan pernah menjabat beberapa jabatan yang ada di PT Bank

several position in PT Bank Sulut namely Head of Administration

SULUT diantaranya Kepala Seksi Pengawasan Administrasi

and Reporting Audit Section at Audit Bureau, Manager of

dan Laporan pada Biro Pengawasan, Pengelola Pengawasan

Internal Audit of Internal Audit Unit and Group Head of Internal

Intern pada Divisi Satuan Pengawasan Intern dan Pemimpin

Audit Unit, appointed as Risk Monitoring Committee in 2011.

Kelompok pada Satuan Kerja Audit Intern . Diangkat menjadi Komite Pemantau Risiko perseroan pada tahun 2011


183





Franklin A.A.Montolalu

Franklin A.A Monotolalu

Kelahiran Manado, 08 Agustus 1974. Mendapatkan gelar

Born in Manado, August 8th, 1974. Awarded Bachelor of Law

Sarjana Hukum pada tahun 1998 dan Pasca Sarjana Hukum

in 1998 and Postgraduate of Business Law in 2007, he has a

Bisnis tahun 2007, beliau berprofesi sebagai Advokat dan

creer as Advocate and Assitant of Lecturer on Faculty of Law,

juga Asisten Dosen pada Fakultas Hukum Universitas Kristen

Universitas Kristen Tomohon. Appointed as Risk Monitoring

Tomohon. Diangkat menjadi Pemantau Risiko perseroan pada

Committee in 2011.

tahun 2011.

Independensi Komite Pemantau Risiko

Indepednency of Risk Monitoring Committee

Anggota Komite Pemantau Risiko Bank SULUT terdiri dari

Member of Risk Monitoring Committee of Bank Sulut consists

individu-individu yang tidak ada kaitan dengan kepengurusan,

of individuals without any affiliation with management, share

kepemilikan saham dan/atau hubungan keluarga sampai

ownership and/or family relationship to second heir with other

dengan derajat kedua anggota Dewan Komisaris lainnya,

members of Board of Commissioners, Board of Directors and/

Direksi dan/atau pemegang saham pengendali atau

or controlling shareholders or relationship with the Company

hubungan dengan Perseroan sehingga mampu menjamin

which will ensure independency on decision making.

independensi dalam setiap pengambilan keputusan.

Aspek Independensi

Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi Tidak memiliki hubungan kepengurusan di Bank SULUT, anak perusahaan maupun perusahaan afiliasi Tidak memiliki hubungan kepemilikan saham di Bank SULUT Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi dan/atau sesama anggota Komite Audit Tidak menjabat sebagai pengurus partai politik, pejabat pemerintah daerah

184


Alexius Lembong

Supit P.Mamahit

Franklin A.A.Montolalu

Independency Aspect Does not hold any financial relationship with Board of Commissioners and Board of Directors Does not hold any financial relationship at Bank Sulut, subsidiaries or affiliated companies Does not hold any share ownership relation Does not hold any family relationship with Board of Commissioners, Board of Directors and/or other Audit Committee members Does not served as committee of political party, local government executive officers





Pelaksanaan Kegiatan Komite Pemantau Risiko

Duty Implementation of Risk Monitoring Committee

Fokus program kerja Komite Pemantau Risiko pada tahun

Focus of Risk Monitoring Committee working program in 2013

2013 meliputi:

was including:

1. Melakukan evaluasi tentang kesesuaian antara kebijakan manajemen

risiko

dengan

pelaksanaan

kebijakan

1. To carry evaluation of conformity between risk management policy and its implementation.

tersebut; 2. Melakukan pemantauan dan evaluasi pelaksanaan tugas

2. To carry monitoring and evaluation of duty implementation

Komite Manajemen Risiko dan Satuan Kerja Manajemen

of Risk Management Committee and Risk Management

Risiko;

Unit.

3. Mengevaluasi laporan profil risiko triwulan Bank untuk

3. To evaluate quarter risk profile report to further give

selanjutnya memberikan masukan kepada Dewan

recommendation to the Board of Commissioners regarding

Komisaris atas kondisi risiko yang dihadapi oleh bank serta

risk condition faced by the bank and recommending action

usulan langkah-langkah untuk mitigasi atas risiko-risiko

for the risks that the Board of Commissioners will provide

tersebut sehingga Dewan Komisaris dapat memberikan

recommendation for improvement step to the Board of

masukan untuk langkah perbaikan kepada Direksi apabila

Directors if considered necessary.

diperlukan; 4. Memantau dan mengevaluasi parameter penetapan risiko; 5. Memantau dan mengevaluasi fungsi manajemen risiko telah berfungsi dengan baik dengan adanya pemisahan fungsi; 6. Hal tersebut di atas mendukung tugas Dewan Komisaris sesuai pasal 6 (enam) PBI No. 5/8/PBI/2003 tanggal 19 Mei 2003 sebagaimana diubah dengan PBI NO.11/25/ PBI/2009 tanggal 1 Juli 2009, yang menyatakan bahwa “Dewan Komisaris bertanggung jawab menyetujui dan mengevaluasi kebijakan managejen risiko bank”; 7. Pemantauan strategi usaha dan peningkatan kualitas manajemen risiko.

4. To oversee and evaluate risk determination indicator. 5. To oversee and evaluate whether risk management function has been appropriately functioned within the function separation. 6. The above-mentioned supports duty of Board of Commissioners based on article 6 (six) PBI No. 5/8/PBI/2003 dated May 19th, 2003 as amended under PBI No. 11/25/ PBI/2009 dated July 1st, 2009 which stated that “the Board of Commissioners is responsible to approve and evaluate risk management policy of the bank.” 7. Business strategy monitoring and risk management quality improvement.


185




Frekuensi Pertemuan dan Tingkat Kehadiran

Frequency of Meeting and Level of Attendance

Terkait dengan pelaksanaan fungsi Komite Pemantau Risiko,

Related with duty implementation of Risk Monitoring Committee, throughout 2013, the Committee held 11 meetings with detail as follows:

selama tahun 2013 Komite telah mengadakan 13 rapat dengan rincian tingkat kehadiran sebagai berikut: Nama Name



Alexius Lembong

4

33%

Supit P. Mamahit

13

100%

Franklin A.A. Montolalu

13

100%

Risk Monitoring Committee Internal Meeting

Rapat Internal Komite Pemantau Risiko NO

TANGGAL Date

NO

TANGGAL Date

NO

TANGGAL Date

1

04 Januari 2013

6

11 Maret 2013

11

09 September 2013

2

07 Januari 2013

7

02 April 2013

12

23 Oktober 2013

3

04 Februari 2013

8

04 April 2013

13

24 Oktober 2013

4

05 Februari 2013

9

26 April 2013

5

05 Februari 2013

10

23 Juli 2013

Rapat Bersama Dewan Komisaris

186


Joint Meeting with the Board of Commissioners

NO

WAKTU PELAKSANAAN Meeting Schedule

1

04 Juni 2013

Pelaksanaan Draft Internal Audit Charter Internal Audit Charter Draft Implementation

2

30 Juli 2013

Revisi RBB 2013-2015 Bank Business Plan 2013-2015 Revision

3

19 Agustus 2013

Presentasi Kantor Akuntan Publik Public Accountant Office Presentation

4

20 Agustus 2013

Pelampauan anggaran dalam rangka Pelaksanaan Asuransi Jabatan bagi pengurus PT Bank SULUT Exceeding of position insurance budget for the management of PT. Bank Sulut

5

23 Agustus 2013

Penunjukan Kantor Akuntan Publik (KAP) Public Accountant Office Appointment

6

29 Oktober 2013

Tindak lanjut hasil Pemeriksaan BI Tahun 2012 Follow-up of BI Audit 2012


MATERI RAPAT Meeting Agenda





Hasil keputusan rapat dilakukan berdasarkan musyawarah

Result of the meeting is carried based on collective consensus

mufakat dan keputusan rapat bersifat mengikat untuk seluruh

and the meeting decision is compulsory for every committee’s

anggota komite. Seluruh hasil keputusan rapat dituangkan

memebrs. Every of the meetign decision is stated on minutes

dalam risalah rapat. Selain itu, aktivitas lain terkait dengan

of meeting. Thus, other activities related with focus of working

fokus program kerja, Komite Pemantau Risiko bersama-sama

program, Risk Monitoring Committee and Audit Committee

Komite Audit melakukan review dokumen kredit komersial,

carries commercial loan document review with detail as follows:

dengan rincian sebagai berikut

NO

Waktu Period

Tempat Place

1

Triwulan I/2013 Quarter I/2013

-

2

Triwulan II/2013 Quarter II/2013

-

3

Triwulan III/2013 Quarter III/2013

Review Dokumen Kredit Komersil pada Cabang Tilamuta dan Marisa Commercial Loan Document Review at Tilamuta and Marisa Branch Offices

4

Triwulan IV/2013 Quarter IV/2013

-

Komite Remunerasi dan Nominasi

Remuneration and Nomination Committee

Uraian Tugas dan Tanggung Jawab Komite Remunerasi dan Nominasi

Description of duty and responsibility of Remuneration and Nomination Committee

Tugas dan tanggung jawab Komite Remunerasi dan Nominasi

Duty and responsibility of Remuneration and Nomination

adalah mendukung efektivitas dan tanggung jawab Dewan

Committee is to support effectiveness and responsibility of

Komisaris khususnya menyangkut kebijakan-kebijakan umum

Board of Commissioners particularly related with general policy,

antara lain:

among others;

a. Membantu Dewan Komisaris dalam mengusulkan kepada

a. To assist the Board of Commissioners in proposing to the

RUPS mengenai sistem dan prosedur nominasi bagi

GMS regarding nomination system and procedure for the

anggota Dewan Komisaris

Board of Commissioners members.

b. Membantu Dewan Komisaris memberikan rekomendasi kepada calon-calon pengurus bank yang diusulkan oleh Pemegang Saham c. Membantu

anggota

b. To assist the Board of Commissioners in providing recommendation to the candidate of bank’s management as proposed by the Shareholders.

Dewan

Komisaris

dalam

mengusulkan kepada RUPS mengenai sistem penilaian kinerja Dewan Komisaris dan Direksi d. Mengevaluasi secara periodik jumlah dan komposisi Dewan Komisaris dan Direksi

c. To assist the Board of Commissioners in proposing to the GMS regarding performance assessment system for the Board of Commissioners and Board of Directors. d. To evaluate number and composition of Board of Commissioners and Board of Directors periodically.


187





e. Membantu Dewan Komisaris dalam mengusulkan kepada

e. To assist the Board of Commissioners in proposing to the

RUPS mengenai sistem remunerasi bagi Dewan Komisaris

GMS regarding remuneration system for the Board of

dan Direksi

Commissioners and Board of Directors.

f. Membantu Dewan Komisaris dalam menyusun sistem kompensasi bagi pejabat eksekutif perusahaan g. Membantu

Dewan

Komisaris

dalam

f. To assist the Board of Commissioners in preparing compensation system for Executives in the Company.

memberikan

g. To assist the Board of Commissioners in giving assessment

penilaian terhadap sistem pensiun dan sistem kompensasi

of retirement and remuneration as well as other benefit

serta manfaat lainnya dalam hal pengurangan karyawan.

system during the employee termination.

Kualifikasi dan Komposisi Komite Remunerasi dan Nominasi

Qualification and Composition of Remuneration and Nomination Committee

Berdasarkan keputusan rapat Dewan Komisaris tanggal

Pursuant to Decision of Board of Commissioners meeting on

24 Oktober 2013 yang dituangkan dalam Surat Keputusan

October 24th, 2013 regarding Second Amendment of BOD

Direksi no. 089a/SK-SDM/DIR/X/2013 tanggal 29 Oktober 2013

Decree No. 089a/SK-SDM/DIR/X/2013 dated October 29th,

tentang Perubahan Kedua atas SK Direksi No. 048c/SK-SDM/

2013 regarding Second Amendment of BOD Decree No. 048c/

DIR/VI/2013 tanggal 18 Juni 2013 Tentang Perubahan atas SK

SK-SDM/DIR/VI/2013 tanggal 18 Juni 2013 regarding Second

Direksi No.060/SK-SDM/DIR/IX/2012 tanggal 18 September

Amendment of BOD Decree No. 060/SK-SDM/DIR/IX/2012 dated

2012 tentang pemberhentian dan pengangkatan anggota

September 18th, 2012 regardign dismissal and appointment of

Komite Audit, Komite Pemantau Risiko dan Komite Remunerasi

member of Audit Committee, Risk Monitoring Committee and

dan Nominasi PT Bank SULUT, maka susunan anggota Komite

Remuneration and Nomination Committee of PT Bank Sulut, the

Remunerasi dan Nominasi adalah sebagai berikut:

composition of Remuneration and Nomination Committee is as follows:

188

1. Ketua

: Alexius Lembong

2. Anggota

: Robby J. Mamuaja

3. Anggota

: Deetje Tumober (Ex Officio)

1. Chairman

: Alexius Lembong

2. Member

: Robby J. Mamuaja

3. Member

: Deetje Tumober (Ex Offiio)

Profil Komite Remunerasi dan Nominasi

Profile of Remuneration and Nomination Committee

Alexius Lembong

Alexius Lembong

Alexius Lembong lahir pada tanggal 24 September 1951 di

Alexius Lembong born on September 24th, 1951 in Sonder. He


was graduated as Bachelor Degree of Economy from Universitas


Sam Ratulangi Manado and obtained Master of Management

di Universitas yang sama. Diawal karirnya pada tahun 1980,

from same University. During his initial career in 1980, he was

Ia pernah menjabat sebagai Staff Pada Bagian Kredit di BPD

appointed as Staff of Credit Division in BPD Sulawesi Utara (PD).

Sulawesi Utara (PD). Kemudian menjabat sebagai Staff Pada

And later served as Staff of Planning Bureau in 1980 and Head

Biro Perencanaan pada tahun 1980 dan Kepala Bagian Kredit

of Investment Loan in 1981 at Bank Sulawesi Utara (Sulut), as

Investasi pada tahun 1981 di Bank Sulawesi Utara (Sulut),

P3K Counterpart in Bank Indonesia Manado in 1983, Head of

sebagai Counterpart P3K di Bank Indonesia Manado pada

Cash/Fund Management Division in BPD Sulawesi Utara (PD), as

tahun 1983, sebagai Kepala Bagian Kas/Pengelolaan Dana di

Head of General Loan Division in BPD Sulawesi Utara (PD), as an

BPD Sulawesi Utara (PD), sebagai Kepala Bagian Kredit Umum

Supervisor Officer of Investment Loan Bureau in BPD Sulawesi

di BPD Sulawesi Utara (PD), sebagai Wira Pembahas Biro Kredit

Utara (PD), as Act. of Head of Finance and Accounting Division

Investasi di BPD Sulawesi Utara (PD), sebagai Pj. Kepala Biro

in BPD Sulawesi Utara (PD), Head of Finance and Accounting

Keuangan dan Akuntasi di BPD Sulawesi Utara (PD), sebagai

Division in BPD Sulawesi Utara (PD), Head of Gorontalo Branch

Kepala Biro Keuangan dan Akuntasi di BPD Sulawesi Utara (PD),

Office in BPD Sulawesi Utara (PD), Head of Tondano Branch






sebagai Pemimpin Cabang Gorontalo di BPD Sulawesi Utara

Office in BPD Sulawesi Utara (PD), General Affairs Director in BPD

(PD), sebagai Pemimpin Cabang Tondano di BPD Sulawesi

Sulawesi Utara (PD). Afterwards, sever as Act. President Director

Utara (PD), sebagai Direktur Umum di BPD Sulawesi Utara (PD).

and General Affairs Director ini BPD Sulawesi Utara (PT), General

Selanjutnya menjabat sebagai Pjs Direktur Utama di samping

Affairs Director in BPD Sulawesi Utara (PT), Compliance Director

sebagai Direktur Umum di BPD Sulawesi Utara (PT), sebagai

and General Affairs Director in BPD Sulawesi Utara (PT), Act.

Direktur Umum di BPD Sulawesi Utara (PT), sebagai Direktur

President Director inBPD Sulawesi Utara (PT), President Director

Kepatuhan di samping Direktur Umum di BPD Sulawesi Utara

in BPD Sulawesi Utara (PT), President Commissioner in BPR

(PT), sebagai Pjs. Direktur Utama di BPD Sulawesi Utara (PT),

Primaesa Sejahtera, until in 2013 was appointed as Commissioner

sebagai Direktur Utama di BPD Sulawesi Utara (PT), sebagai

in PT Bank SULUT.

Komisaris Utama di BPR Primaesa Sejahtera, pada tahun 2013 diangkat sebagai Komisaris di PT Bank SULUT. Robby J. Mamuaja

Robby J. Mamuaja

Warga Negara Indonesia, Lahir di Tataaran tangal 01 Juni 1951.

Indonesian citizen, Born in Tataran on June 1st, 1951. FInished

Pendidikan terakhir Lulusan Fakultas Ilmu Sosial dan Ilmu Politik

(his/her) study at Faculty of Social and Political Science, Universitas

Universitas Sam Ratulangi Manado. Riwayat pekerjaan pernah

Sam Ratulangi Manado. (He/She) was served as Chairman of

menjabat sebagai Kepala Badan Pengawas Provinsi Sulawesi

North Sulawesi Province Supervisory Board and appointed as

Utara, dan menjabat sebagai Sekretaris Pemerintahan Provinsi

Secretary of North Sulawesi Provincial Government. He was

Sulawesi Utara. Diangkat sebagai Komisaris Utama PT Bank

appointed as President Commissioner of PT Bank SULUT since

SULUT sejak Oktober 2007, hasil RUPS Februari 2012 Jabatan

2007, pursuant to GMS Decision in February 2012, her tenure

Beliau diperpanjang untuk periode Jabatan ke -2 menjadi

of office is extended to second term as Commissioner of Bank


SULUT.

Deetje Tumober (Ex Officio)

Deetje Tumober (Ex Officio)

Lahir di Suluun pada 27 Desember 1967. Pendidikan formal Sarjana Pendidikan (1991) mengawali karier di Bank SULUT sejak 1991 dan telah menduduki beberapa Jabatan Seperti Pemimpin

Kelompok

Organisasi

Divisi

Perencanaan,

Pemimpin Cabang Tomohon, Pemimpin Kelompok SDM 1 Divisi SDM, Wakil Pemimpin Divisi SDM dan selanjutnya di angkat menjadi Pemimpin Divisi SDM.

Born in Suluun on December 27th, 1967. Formal education such as Bachelor Degree of Education(1991) started career in Bank SULUT since 1991 and has served in several positions namely Head of Organization Group, Planning Division, Head of Tomohon Branch Office, Head of HR 1 Group, HR Division, Deputy of HR Division and appointed as Head of HR Division.

Independensi Komite Remunerasi dan Nominasi

Independency of Remuneration and Nomination Committee

Anggota Komite Remunerasi dan Nominasi Bank SULUT

Member of Remuneration and Nomination Committee of

terdiri dari individu-individu yang tidak ada kaitan dengan

Bank Sulut consists of individuals without any affiliation with

kepengurusan, kepemilikan saham dan/atau hubungan

management, share ownership and/or family relationship to

keluarga sampai dengan derajat kedua anggota Dewan

second heir with other members of Board of Commissioners,

Komisaris lainnya, Direksi dan/atau pemegang saham

Board of Directors and/or controlling shareholders or

pengendali atau hubungan dengan Perseroan sehingga

relationship with the Company which will ensure independency

mampu menjamin independensi dalam setiap pengambilan

on decision making.

keputusan.


189






Alexius Lembong

Robby J. Mamuaja

Deetje Tumober

Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi Does not hold any financial relationship with Board of Commissioners and Board of Directors

-

-

-

Tidak memiliki hubungan kepengurusan di Bank SULUT, anak perusahaan maupun perusahaan afiliasi Does not hold any financial relationship at Bank Sulut, subsidiaries or affiliated companies

Komisaris

Komisaris

Pimpinan Divisi SDM

Tidak memiliki hubungan kepemilikan saham di Bank SULUT Does not hold any share ownership relation

-

-

-

Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi dan/atau sesama anggota Komite Audit Does not hold any family relationship with Board of Commissioners, Board of Directors and/or other Audit Committee members

-

-

-

Tidak menjabat sebagai pengurus partai politik, pejabat pemerintah daerah Does not served as committee of political party, local government executive officers

-

-

-

Pelaksanaan Kegiatan Komite Remunerasi dan Nominasi

Duty Implementation of Remuneration and Nomination Committee

Program kerja yang dilaksanakan pada tahun 2013 adalah

Working program which was carrie din 2013 among others:

mengenai: 1. Pemenuhan komposisi pengurus PT Bank SULUT periode

1. Fulfillment of management composition in PT Bank Sulut

2012 s/d 2016;

190

for 2012 to 2016 period.

2. Rencana kenaikan gaji seluruh pegawai PT Bank SULUT.

2. Salary appraisal plan for all employee of Bank Sulut.

Frekuensi Pertemuan dan Tingkat Kehadiran Komite Remunerasi dan Nominasi

Meeting Frequency and Attendance Level of Remuneration and Nomination Committee

Terkait dengan pelaksanaan fungsi Komite Remunerasi dan

In relation with the implementation of Remuneration and

Nominasi, selama tahun 2013 Komite telah mengadakan 3

Nomination Committee function, throughout 2013, the

(tiga) kali rapat dengan rincian tingkat kehadiran sebagai

Committee has hold 3 meetings with attendance level, as

berikut:

follows: Nama Name



Alexius Lembong

3

100%

Robby J. Mamuaja

3

100%

Deetje Tumober

3

100%

Rapat Komite Remunerasi dan Nominasi yang dilaksanakan

The Remuneration and Nomination Committee which was

selama tahun 2013 sebanyak 3 (tiga) kali rapat internal dan

carried in 2013 was 3 (three) internal meetings and 3 (three)

rapat bersama Dewan Komisaris sebanyak 3 (tiga) kali rapat.

joint meeting with the Board of Commissioners.






Hal-hal yang dibahas dalam Rapat Remunerasi dan Nominasi

Several agenda discussed on the Remuneration and

tahun 2013 yaitu:

Nomination Committee Meeting in 2013 as follows:

Tanggal Date

Pembahasan Discussion

1

19 Juni 2013

Tentang usulan pemegang saham pengendali atas calon Komisaris Recommendation form the controlling shareholders regarding Commissioners candidate

Calon Direksi dan Komisaris mengikuti Fit dan Proper Test Directors and Commissioners candidate participate on Fit and Proper Test

2

25 Oktober 2013

Perhitungan IPC untuk Dewan Komisaris IPC calculation for Board of Commissioners

Telah dikeluarkan Pedoman pemberian IPC untuk Komisaris IPC for Board of Commissioners has been issued

3

26 November 2013

Kenaikan gaji pegawai PT Bank SULUT PT Bank Sulut employees salary appraisal

Telah dianggarkan kenaikan gaji Pegawai PT Bank SULUT tahun 2014 PT Bank Sulut employees salary appraisal 2014 has been budget

No

Realisasi Realization

Seluruh hasil keputusan rapat dituangkan dalam risalah

Every meeting decision is stated on minutes of meeting and

rapat dan disampaikan kepada Dewan Komisaris sebagai

delivered to the Board of Commissioners as recommendation.

rekomendasi.

Sekretaris Perusahaan

Corporate Secretary

Sejalan dengan pemenuhan ketentuan IX.I.4 tentang

In line with compliance to regulation IX.I.4 regarding

pembentukan Sekretaris Perusahaan, berdasarkan surat

establishment of Corporate Secretary, referring to Board of

keputusan direksi Bank SULUT No. 068/SK/SDM-DIR/X/2012

Directors Decree of Bank Sulut No. 068/SK/SDM-DIR/X/2012

tentang pengangkatan saudari Maria Jean d’Arch Rogi sebagai

regarding appointment of Maria Rogi as Head of Corporate

Pemimpin Divisi Corporate Secretary. Sekretaris Perusahaan

Secretary Division. The Corporate Secretary is responsible of

bertanggung jawab terhadap komunikasi tentang informasi

corporate material information communication in timely and

material Perseroan secara tepat waktu dan akurat kepada

accurat manner to the stakeholderrs. Any announcement

seluruh pemangku kepentingan. Pengumuman mengenai

regarding condition and performance of the Company has

kondisi dan kinerja Perseroan telah sesuai dengan peraturan

been complied with regulation and Articles of Association.

dan ketentuan serta anggaran dasar Perseroan. Sejalan dengan prinsip keterbukaan dan ketentuan Bank

In line with transparency principle and Bank Indonesia

Indonesia mengenai kewajiban pengungkapan informasi

regulation ergarding information disclosure for the bank,

bank, Sekretaris Perusahaan juga bertanggung jawab atas

Corporate Secretary is responsible of significant information

komunikasi dan penyampaian informasi penting mengenai

communication and disclosure regarding the bank to the

bank kepada otoritas perbankan, moneter, pasar modal,

banking, monetary and stock market authority as well as

pemegang saham serta masyarakat umum. Sekretaris

shareholders and public. The Corporate Secretary is in charge

Perusahaan bertugas membantu Direksi terkait dengan

to assist the Board of Directors related with accountability and

akuntabilitas dan tanggung jawab Direksi atas permasalahan-

responsibility of the Board of Directors regarding several issues

permasalahan yang berkaitan dengan corporate governance

related with good corporate governance and social activity.

yang baik serta kegiatan sosial.


191





Profil Sekretaris Perusahaan

Profile of Corporate Secretary

Maria Jean d’Arch Rogi lahir di Tomohon, 02 Februari 1966,

Maria rogi born in Tomohon, February 2nd, 1966, starting her

memulai karir perbankan di Bank SULUT pada tahun 1993,

career in Bank Sulut in 1993, with major duty as Staff of Savings

dengan riwayat pekerjaan pertama sebagai Pelaksana Seksi

Unit in Treasury Bureau. In 2008 to 2012 simultaneously served

Tabungan pada Biro Trisuri. Pada tahun 2008 hingga 2012

as Head of several Branch Offices of Bank Sulut namely Head

berturut-turut menjadi Pemimpin Cabang di beberapa

of Calaca Branch Office, Head of Risk Management unit in MRK

cabang Bank SULUT di antaranya Pemimpin Cabang Calaca,

Division and Head of Bitung Branch Office, since October 2012,

Pemimpin Kelompok Pengendalian Risiko pada Divisi MRK

appointed as Corporate Secretary.

serta Pemimpin Cabang Bitung, sejak Oktober 2012 diangkat menjadi Sekretaris Perusahaan.

Tugas dan Tanggung Jawab Sekretaris Perusahaan

Duty and Responsibility of Corporate Secretary

Sekretaris Perusahaan mengemban tugas dan tanggung

Corporate Secretary is in charge of several duty and responsibility

jawab yang berkaitan dengan pengelolaan saluran komunikasi

related with management of effective communication hannel

yang efektif baik kepada pihak internal maupun eksternal

both to internal and external parties as well as significant

Perusahaan serta memastikan penyebaran informasi penting

information disclosure to the stakeholders, namely through the

Perusahaan kepada seluruh pemangku kepentingan. Antara

implementation of several program and activities, as follows:

lain melalui pelaksanaan program dan kegiatan sebagai berikut: • Merumuskan pesan yang akan disampaikan kepada pihak eksternal dan bertindak sebagai juru bicara untuk mewakili

• Formulating message to be disseminated to external party and acting as spokeperson to represent the Company.

Perusahaan; • Menyetujui dan melaksanakan pengelolaan dokumentasi

• Approving and performing management of corporate

dan administrasi Perusahaan termasuk di dalamnya

documentation and administration including policy

pengumpulan kebijakan, penyimpanan risalah rapat

submission, documentation of minutes of meeting of Board

Dewan Direksi dan kebijakan penting lainnya yang terkait

of Directos and other important policy which is related with

dengan organisasi Perusahaan;

organization of the Company.

• Merumuskan, menyusun, menetapkan dan melaksanakan pembuatan dan pendistibusian media internal; • Menyetujui dan melaksanakan pembinaan terhadap kegiatan hubungan masyarakat;

internal media preparation and distribution. • Approving and implementing public relation activity development.

• Bertindak sebagai pembentuk citra bagi Perusahaan dan

• Acting as image buildier of the Company and mitigating

memitigasi segala macam risiko yang dapat mengurangi

towards every risk which may harm corporate image in the

citra Perusahaan di masyarakat;

society.

• Menyetujui dan melaksanakan perluasan hubungan dengan pihak eksternal.

192

• Formulating, preparing, determining and implementing


• Approving and carrying extension of external party relationship.





Pelaksanaan Tugas Sekretaris Perusahaan 2013

Duty Implementation of Corporate Secretary

1. Penyelenggaraan rapat (Pengurus, Dewan Komisaris,

1. Meeting implementation (GMS, Management, Board of Commissioners, Board of Directors, Management).

Direksi, Manajemen) 2. Memfasilitasi hubungan dengan instansi Pemerintah dan institusi terkait lainnya serta para pemangku kepentingan 3. Membangun citra positif perusahaan melalui aktivitas komunikasi dan promosi

semester dan tahunan)

3. Bulding corporate positive image through communication

4. Preparing management report (monthly, quarter, semester and annual)

5. Mengawal pelaksanaan penerapan dan penilaian Tata Kelola Perusahaan program

related institutions as well as stakeholders.

and promotion activity.

4. Menyusun laporan manajemen (bulanan, triwulanan,

6. Menyusun

2. Facilitating relationship with Government agency and other

5. Guiding the implementation and assessment of Corporate Goverannce.

dan

merealisasikan

program


Responsibility program.

7. Penyelenggaraan setiap rapat termasuk pembuatan notulennya dan pengelolaan dokumen yang terkait, dilaksanakan tiap bulan dengan rincian sebagai berikut:

Jenis Rapat Rapat Umum Pemegang Saham

6. Preparing program and realizing Corproate Social

2013

7. Holding every meeting including preparation of Minutes of Meeting and document management within every month with detail as follows:

2012

Type of Meeting

1

1

General Meetings of Shareholders

Rapat Dewan Komisaris

28

42

Board of Commissioners Meeting

Rapat Direksi

10

16

Board of Directors meeting

Penerapan Fungsi Kepatuhan

Compliance Function Implementation

Sepanjang tahun 2013, Bank SULUT telah berupaya menjaga

Throughout 2013, Bank Sulut has attempted to preserve

kepatuhan terhadap peraturan dan perundang-undangan

compliance

yang berlaku, standar-standar kepatuhan lainnya yang telah

complaince standards as determined internally, regulation

ditetapkan secara internal, ketentuan mengenai Tata Kelola

regarding Good Corporate Governance and compliance of

Perusahaan yang baik (Good Corporate Governance), serta

commitment agreed by internal and external parties.

towards

prevailing

regulation

and

other

pemenuhan komitmen yang disepakati kepada pihak internal maupun eksternal. Pelaksanaan fungsi kepatuhan selama tahun 2013 dilaksanakan

The implementation of compliance function in 2013 is carried

sesuai PBI No.13/2/PBI/2011 tentang Pelaksanaan Fungsi

based on PBI No. 13/2/PBI/2011 regarding implementation of

Kepatuhan Bank Umum. Dalam melaksanakan tugas, Direktur

Compliance Function for Commercial Bank. In implementing its

Kepatuhan berusaha mencegah Direksi Bank, Pemimpin

duty, the Compliance Director attempts to prevent the Board of

kantor Cabang dan Cabang Pembantu agar tidak menempuh

Directors, Head of Branch Office and Supporting Branch Offices


193





kebijakan yang menyimpang dari ketentuan yang berlaku

not to take any action which may violate prevailing regulation

dengan melakukan kajian atas setiap kebijakan maupun Surat

by carrying review of every policy or Decree.

Keputusan yang ada. Walaupun demikian, masih terdapat hal-hal yang perlu

Despite several aspects which need to be improved, related

ditingkatkan, menyangkut kelemahan dan disiplin karyawan

with employees weakness and control system towards the

serta sistem kontrol atas implementasi peraturan yang berlaku.

implementation of prevailing law. Therefore, sustainable

Dengan demikian perbaikan yang berkesinambungan tetap

improvement is continuously carried that GCG principle and

terus dilakukan agar penerapan praktik-praktik prinsip GCG

compliance practices are really ineherent in daily working

dan praktik kepatuhan benar-benar melekat dalam kegiatan

activity.

kerja sehari-hari. Dalam penerapan fungsi kepatuhan terutama mengenai

In implementing compliance function mainly regarding

pemenuhan komitmen dengan otoritas yang berwenang,

compliance fulfillment with the authority, the Compliance

maka Direktur Kepatuhan setiap bulannya melaporkan

Director reports duty implementation monthly to the President

pelaksanaan tugasnya kepada Direktur Utama dengan

Director with notification to the Board of Commisisoners, while

tembusan kepada Dewan Komisaris, sedangkan setiap 6

every 6 (six) months reports to the Bank Indonesia namely

(enam) bulan melaporkan kepada Bank Indonesia yang isinya

regarding settlement of authorized party and monitoring of

antara lain memuat penyelesaian komitmen dengan otoritas

unsettled issue.

yang berwenang dan monitoring permasalahan yang belum terselesaikan. Beberapa rasio posisi 31 Desember 2013 berikut secara umum

Several ratio as of December 31st, 2013 position generally

dapat menggambarkan tingkat kepatuhan bank terhadap

indicated the bank’s compliance against prevailing regulation.

ketentuan yang berlaku: REALISASI Realization

RATIO

31 Des 2012

+/-

CAR

17,27%

18,76%

-1,49%

CAR

KAP

0,54%

0,84%

0,30%

KAP

KAP Kredit Intracomptable

0,46%

0,72%

-0,26%

KAP Kredit Intracomptable

KAP Total Kredit (Inclusive AYDA)

0,46%

0,72%

-0,26%

KAP Total Kredit (Inclusive AYDA)

N P L Gross

0,54%

0,81%

-0,27%

N P L Gross

P P A Prod.

0,75%

0,64%

0,11%

P P A Prod.

ROA

3,48%

3,00%

0,48%

ROA

ROE

36,92%

39,86%

-2,94%

ROE

NIM

11,17%

8,66%

2,51%

NIM

LDR

112,94%

108,88%

4,06%

LDR

75,56%

77,66%

-2,10%

BO/PO

BO/PO

194

RATIO

31 Des 2013






Unit Audit Internal

Internal Audit Unit

Fungsi Audit Intern

Internal Audit Function

Fungsi ini dijalankan oleh Satuan Kerja Audit Intern (SKAI) yang

The function is carried by Internal Audit Unit which is directly

bertanggung jawab langsung kepada Direktur Utama dengan

responsible to the President Director with the mission to

misi mendukung terlaksananya proses manajemen risiko,

support the implementation of risk management process,

internal kontrol dan tata kelola perusahaan yang memadai.

internal audit and adequate corporate governance. Audit

Pelaksanaan audit menggunakan metode risk based yang

implementation using risk based method which proritizes on

memprioritaskan pada unit kerja yang memiliki inherent risk

working unit with bigger ineherent risk , using on-site audit

yang lebih besar, menggunakan metode pemeriksaan secara

and off-site audit methods and the Auditee has delivered

on-site dan pemantauan secara off-site dan Auditee telah

commitment to conduct improvement with certaint ime limit

memberikan komitmen untuk melakukan perbaikan dengan

of the audit result finding.

batas waktu tertentu atas temuan hasil audit.

Profil Ketua Satuan Kerja Fungsi Audit Intern

Profile of Head of Internal Audit Function

Saat ini, Ketua SKAI dijabat oleh Sylvanus Senduk, lahir di

Currently, Head of Internal Audit Unit is served by Sylvanus

Manado, 20 Januari 1963, berkarir di Bank SULUT sejak tahun

Senduk, born in Manado, January 20th, 1963, serving in Bank

1994, pada tahun 2010 dipercaya menjadi Pemimpin Cabang

Sulut since 1994, in 2010 was appointed as Head of Tahuna

Tahuna, Pemimpin Kelompok dan pada tahun 2012 menjadi

Branch Office, Head of Division and in 2012 was appointed

Pemimpin Kelompok Audit 2 unit SKAI hingga 2012. Pada

as Head of Audit 2 Group, Internal Audit Unit to 2012. On

tanggal 03 September 2012 diangkat menjadi Pemimpin

September 3rd, 2012 was appointed as Head of Internal Audit

Unit SKAI Bank SULUT. Untuk mendukung pelaksanaan audit

Unit of Bank Sulut. To support internal audit implementation

internal di Bank SULUT, jumlah auditor yang ada hingga

in Bank Sulut, currently, total auditor as of December 2012 is

Desember 2013 sebanyak 12 auditor.

12 auditors.

Kualifikasi/Sertifikasi sebagai Profesi Audit Internal

Qualification/Certification as Internal Audit Profession

Saat ini dalam Unit Audit Internal Bank SULUT 32 orang,

Currently, on the Internal Audit Unit of Bank Sulut, 21 members

anggota dan pimpinan internal audit telah mendapatkan

and Head of Internal Audit has obtained internal audit

kualifikasi internal audit sebanyak 25 orang, sementara sisanya

qualification of 25 members while the rest is currently under

sedang dalam proses untuk memperoleh gelar yang sama.

ceritifcaiton process.

Struktur atau Kedudukan SKAI

Structure and Position of IAU

Berikut ini adalah kedudukan SKAI dalam jajaran kepengurusan

Following are position of Internal Audit Unit on Bank Sulut’s

Bank SULUT, dimana secara struktur Ketua SKAI berada di

management, where the structure of Internal Audit Unit is

bawah Direktur Utama, diangkat dan diberhentikan oleh

under the President Director, appointed and dismissed by the

Direktur Utama.

President Director.


195





RUPS GMS


Johanis Ch. Salibana

Direktur Kepatuhan

Direktur Umum

Jeffry Salilo

Felming Harun

Compliance Director

Satuan Kerja Audit Internal Internal Audit Unit

General Director

Divisi Kepatuhan Compliance Division

Tugas dan Tanggung Jawab Fungsi Audit Intern

Duty and Responsibility of Internal Audit Unit

Pelaksanaan tugas Satuan Kerja Audit Internal berkaitan

Implementation of Internal Audit Unit duty is related with

dengan penerapan pengendalian internal Perusahaan menggunakan metode risk based yang memprioritaskan pada unit kerja yang memiliki inherent risk yang lebih besar, menggunakan metode pemeriksaan secara on-site dan pemantauan secara off-site dan Auditee telah memberikan

internal audit implementation using risk based method which proritizes on working unit with bigger ineherent risk, using onsite audit andnd off-site monitoring method and Auditee has delivered commitment to conduct improvement with certaint ime limit of the audit result finding.

komitmen untuk melakukan perbaikan dengan batas waktu tertentu atas temuan hasil audit.

Uraian Pelaksanaan Tugas

Description of Duty Implementation

Sepanjang periode 2013 lalu SKAI Bank SULUT telah

Throughout 2012, Internal Audit Unit of Bank Sulut has

melaksanakan tugas pokoknya yang terdiri atas beberapa aspek pengawasan dan penugasan. Tugas-tugas pokok tersebut adalah berupa monitoring, Program Kerja Audit Tahunan/PKAT, Audit Khusus, serta Penugasan Khusus.

196


carried primary duty which consists of several monitoring and assignment aspects. The principal duty is in form of monitoring, Annual Audit Program and Special Assignment.





Jumlah kasus yang dilakukan oleh Total case committed by

Nama NamE

Pengurus Management

Pegawai tetap Permanent Employee

Pegawai tidak tetap Non-Permanent Employee

2012

2013

2012

2013

2012

2013

Total fraud Total fraud

-

-

5

1

-

-

Telah diselesaikan Settled

-

-

5

1

-

-

Dalam proses internal Under Internal Settlement process

-

-

-

-

-

-

Belum diupayakan penyelesaiannya Not yet followed - up

-

-

-

-

-

-

Penjelasan Mengenai Akuntan Perseroan

Description of Corporate Accountant

Dalam pelaksanaan audit laporan keuangan bank, bank

In every audit implementation of financial statements, the bank

telah menunjuk Akuntan Publik dan KAP yang terdaftar di

has appointed Public Accountant and Public Accountant Office

Bank Indonesia. Penunjukan dilakukan oleh RUPS sesuai

which are listed on Bank Indonesia. The appointment is carried

rekomendasi dari Komite Audit melalui Dewan Komisaris,

by GMS based on audit Committee recommendation through

sesuai keputusan RUPS Luar Biasa tanggal 19 Juni 2013

the Board of Commissioners, referring to Decision of General

sebagaimana yang tercantum dalam Akta Notaris M.S.E

Meetings of Shareholders dated June 19th, 2013 as stated on

Pangemanan, SH. Nomor: 136 tanggal 24 Juni 2013 RUPS

Notarial Deeds M.S.E. Pangemanan, SH No. 136 dated June

menyetujui pemberian wewenang dan kuasa kepada Dewan

24th, 2013, the GMS approved the delegation of attorney to the

Komisaris untuk menunjuk Kantor Akuntan Publik yang akan

Board of Commissioners to appoint Public Accountant Office to

melakukan audit Laporan Keuangan Perseroan Tahun Buku

audit Financial Statements Fiscal Year 2013.

2013.

Tahun Year

KAP/ akuntan perorangan Public Accountant Office/Public Accountant

Audit Fee Audit Fee

2011

Doli, Bambang Sudarmadji & Dadang

Rp250.000.000,-

2012

Hadori Sugiarto Adi & Rekan

Rp293.000.000,-

2013

Hadori Sugiarto Adi & Rekan

Rp413.375.000,-

Selama tahun 2013, Kantor Akuntan Publik tersebut hanya

Throughout 2013, Public Accountant Office only provided

memberikan jasa audit dan tidak memberikan jasa lain kepada

audit service and did not provide other services to Bank Sulut,

Bank SULUT, sehingga tidak terjadi benturan kepentingan

that there was no conflict of interest in carrying audit proess.

dalam pelaksanaan proses audit.


197





Manajemen Risiko

Risk Management

Sesuai Peraturan Bank Indonesia No. 8/4/PBI/2006 yang

Pursuant to Bank Indonesia Regulation No. 8/4/PBI/2006 which

disempurnakan dengan PBI No. 8/14/PBI/2006 serta Surat

is amended under PBI No. 8/14/2006 and Circular Letter of

Edaran Bank Indonesia No. 9/12/DPNP perihal Pelaksanaan

Bank Indonesia No.9/12/DPNP regarding Good Corporate

Good Corporate Governance Bagi Bank Umum, bank diwajibkan

Governance Implementation for Commercial Banks, the bank is

untuk menyajikan informasi kepada pemangku kepentingan

obligated to disclose information to the stakeholders regarding

tentang pelaksanaan Good Corporate Governance dan

Good Corporate Governance and general summary of Good

kesimpulan umum hasil self assesment pelaksanaan Good

Corporate Goverannce implementation.

Corporate Governance. Penerapan manajemen risiko di Bank SULUT mengacu

Risk management implementation in Bank Sulut is referring

pada Peraturan Bank Indonesia dan ketentuan intern Bank

to Regulation of Bank Indonesia and internal regulation

antara lain Buku Pedoman Perusahaan (BPP) Manajemen

namely Corporate Manual Book, Risk Management and Risk

Risiko dan Buku Pedoman Perusahaan (BPP) Profil Risiko.

Profile Manual Book. To ensure the implementation of risk

Untuk memastikan penerapan manajemen risiko sesuai

management has complied with the objectives, Bank Sulut

dengan tujuannya, Bank SULUT telah membentuk organisasi

has established risk management organization as well as

manajemen risiko serta menetapkan tugas dan tanggung

determine duty and responsibility of every risk and stage of risk

jawab atas setiap jenis risiko dan setiap tahapan proses

management process.

manajemen risiko. Komite Manajemen Risiko (KMK/Komenko) sebagai suatu

Risk Management Committee as highest board on risk

badan tertinggi dalam sistem manejemen risiko bank

management system of the Bank consists of the Board of

yang beranggotaan Direksi dan seluruh Pemimpin Divisi.

Directorsand Compliance Division altogether with Risk Taking

Divisi Manajemen Risiko dan Divisi Kepatuhan bersama-

Unit, is responsible on integrated risk management including

sama dengan Risk Taking Unit, bertanggung jawab dalam

credit risk, market risk, liquidity risk, operational risk, legal risk,

pengelolaan risiko secara terpadu, yang meliputi risiko kredit,

strategic risk, compliance risk and reputation risk.

risiko pasar, risiko likuiditas, risiko operasional, risiko hukum, risiko strategis, risiko kepatuhan dan risiko reputasi.

Proses Manajemen Risiko

Risk Management Process

Berkenaan dengan upaya membangun kesadaran dan budaya

In relation with risk culture and awareness development

manejemen risiko (risk culture) terhadap seluruh jenis risiko,

towards every risk, Bank Sulut continuously develops Risk Self

Bank SULUT secara berksinambungan mengembangkan

Assessment implementation which is obligated every working

penerapan Risk Self Assessment (RSA) yang mewajibkan

unit to carry risk assessment to certain risk which is ineherent

setiap unit kerja melakukan penilaian risiko yang melekat pada

in every operational activity. The development is as an effort

setiap aktivitas operasionalnya. Pengembangan tersebut

to align with shifting in every regulation and complexity

sebagai upaya mengimbangi perkembangan ketentuan dan

of the bank’s business. Currently, employee and working

kompleksitas usaha bank. Saat ini sedang dimulai langkah

unit performance assessment implementation is currently

penerapan pengukuran kinerja pegawai dan unit kerja secara

started periodically by considering risk factors in achieving

periodik dengan memperhitungkan faktor-faktor risiko dalam

performance target.

aktivitas pencapaian target kinerjanya.

198






Profil Risiko yang Dihadapi 2013

Risk Profile 2013

Risiko Kredit

Credit Risk

Proses identifikasi, penilaian, pengendalian dan pemantauan

Identifying, Assessing, Mitigating and supervising on the credit

terhadap risiko kredit telah dilakukan, bahkan pada tanggal

risk have been conducted, further, on November 27th, 2013,

27 November 2013 telah disusun metode pengukuran

credit risk assessment method has been prepared through

risiko kredit melalui Rating Risiko Kredit Usaha sesuai

Credit Risk Rating under BOD Circular Letter No. 23/SE/MRI/

Surat Edaran Direksi No 023./SE-MRi/DIR/XI/2013. Namun

DIR/XI/2013. While on its development, it has been realized the

dalam perkembangannya, Perseroan menyadari perlunya

importance of credit risk assessment method refinement and

pembenahan dan perbaikan terhadap metode pengukuran

improvement through Credit Rating.

risiko kredit melalui Credit Rating. Pendekatan pengukuran risiko melalui rating yang dimaksud,

Risk approach through the rating, so far is admitted as more

sejauh ini diakui sebagai pendekatan pengukuran risiko

accurate credit risk assessment approach and risk sensitive as

kredit yang lebih akurat serta sensitivitas risiko (risk sensitive)

very important aspect in measuring loss reserve, capital risk,

sebagai hal yang sangat penting dalam memperhitungkan

pricing, capital allocation as well as management’s portfolio.

cadangan kerugian, modal (capital risk), pricing, alokasi modal serta manajemen portofolio. Beberapa tujuan manajemen risiko kredit adalah:

Objectives of the credit risk management, as follows:

a. Mengetahui tingkat risiko yang muncul pada debitur dan

a. Assessing risk level from depositors and prospective

calon debitur

debtors.

b. Meningkatkan efiesiensi proses manajemen kredit

b. Enhancing efficiency of credit management process.

c. Gambaran profil calon debitur

c. Prospective debtors profile.

d. Sebagai dasar perhitungan beban risiko kredit

d. As principal for credit risk expense calculation.

e. Meningkatkan budaya kredit yang sehat

e. Enhancing sound credit culture.

Risiko Pasar

Market Risk

Risiko Pasar diukur berdasar dua komponen, yaitu risiko

The market risk is measured through two components,

tingkat suku bunga dan risiko nilai tukar. Strategi Bank dalam

interest rate risk and exchange rate risk. The Bank’s strategy in

membangun dan mengembangkan manajemen risiko

establishing and developing market risk mitigation such as by

pasar, antara lain dengan mengembangkan Asset Liabilities

developing Asset Liabilities Committee (ALCO).

Committee (ALCO). Tugas utamanya, antara lain mengembangkan/mengkaji

Its main duties, such as to develop/review the Asset and

ulang strategi Asset and Liabilities Management (ALMA) dalam

Liabilities Management (ALMA);s strategy as an effort to

upaya dampak buruk akibat pergerakan negatif dari suku

mitigate negative impact caused by negative movement of

bunga dan nilai tukar, mengevaluasi kebijakan pricing baik

interest and exchange rates, evaluating pricing policy both asset

aset maupun liabilitas, memberikan rekomendasi portofolio

and liabilities, providing recommendation on fund provision

penyediaan dana dikaitkan dengan manajemen likuiditas

related with liquidity management, as well as informing to the

dan peningkatan pendapatan Bank, serta menginformasikan

management on every regulation/provision development that

kepada manajemen setiap perkembangaan ketentuan/

may bring impact to ALMA’s strategies and policies.

peraturan yang mempengaruhi strategi dan kebijakan ALMA.


199




Risiko Operasional Pengelolaan

risiko


Operational Risk operasional

terus

melakukan

Operational risk mitigation is continuously refined to meet the

penyempurnaan secara berkesinambungan dengan harapan

expectation fulfilling customres’ necessity. To fulfill the demand,

dapat memenuhi kebutuhan nasabah. Untuk memenuhi

it has to be supported by qualified Human Resources and

kebutuhan ini harus didukung oleh sumber daya manusia

systems. Referring to the plan formulated, the operational risk

yang berkualitas dan sistem yang mendukung. Untuk

management development at Bank Sulut is currently on BPP

penyesuaian dengan pemberlakuan PBI 11/25/2009, tahun

and SOP reviews stage to be adjusted with the implementation

2013 telah dilaksanakan review terhadap Buku Pedoman

of PBI 11/25/2009. In 2013, Corporate Manual Book has been

Perusahaan (BPP) tentang Manajemen Risiko yang terdiri dari

reviewed, for risk management section consists of 11 books, as

11 buku sebagai berikut:

follows:

1. BPP Kebijakan Manajemen Risiko

1. Risk management Policy Manual.

2. BPP Pengendalian Risiko Kredit

2. Credit Risk Mitigation Manual.

3. BPP Pengendalian Risiko Pasar

3. Market Risk Mitigation Manual.

4. BPP Pengendalian Risiko Likuiditas

4. Liquidity Risk Mitigation Manual.

5. BPP Pengendalian Risiko Operasional

5. Operational Risk Mitigation Manual.

6. BPP Pengendalian Risiko Hukum

6. Legal Risk Mitigation Manual.

7. BPP Pengendalian Risiko Stratejik

7. Strategic Risk Mitigation Manual.

8. BPP Pengendalian Risiko Kepatuhan

8. Compliance Risk Mitigation Manual.

9. BPP Pengendalian Risiko Reputasi

9. Reputation Risk Mitigation Manual.

10. BPP Profil Risiko

10. Risk ProfileManual.

11. BPP Limit Risiko

11. Risk Limit Manual.

Risiko Likuiditas

Liquidity Risk

Risiko likuiditas adalah risiko akibat ketidakmampuan bank

The liquidity risk is risk caused by the Bank’s failure in settling

untuk memenuhi kewajiban yang jatuh tempo dari sumber

maturity liabilities from cash flow funding source and/or high

pendanaan arus kas dan/atau dari aset likuid berkualitas tinggi

quality liquid asset that may be utilized without interrupting

yang dapat digunakan tanpa mengganggu aktivitas dan

Bank’s funancial condition and activity. The indicators utilized

kondisi keuangan bank. Adapun indikator yang digunakan

on the internal risk assessment on liquidity risk are as follows:

dalam penilaian risiko intern atas risiko likuiditas adalah: - Komposisi aset, kewajiban dan transaksi rekening administratif;

200

- Asset, liability and administrative account transaction composition.

- Konsentrasi aset dan kewajiban;

- Asset and liability concentration.

- Kerentanan pada kebutuhan pendanaan;

- Funding necessity sensitivity.

- Akses pada sumber-sumber pendanaan.

- Access on funding resources.

Risiko Hukum

Legal Risk

Kejadian risiko hukum yang dapat timbul antara lain adalah

Legal risk event which may occur namely weakness of

adanya kelemahan terhadap beberapa faktor seperti tidak

several factors such as failure in fulflling legal requirement

terpenuhinya syarat sahnya perjanjian, kelemahan klausula

of an agreement, weakness on agreement clausul and/or






perjanjian dan/atau tidak terpenuhinya persyaratan yang

infulfillment of agreed requiremen, failure to implement any

telah disepakati, tidak dapat dilaksanakannya suatu perjanjian

agreement both completelty or partially. Absence of regulation

baik untuk keseluruhan maupun sebagian. Faktor ketiadaan/

changing/amendment such as bank product which has not

perubahan perundang-undangan seperti produk bank yang

been clearly regulated that the product attaches with high

belum diatur oleh perundang-undangan secara jelas dan

complexity level. To mitigate the risk, the management has

produk tersebut cenderung memiliki tingkat kompleksitas

issued an internal manual as Corporate Manual Book.

yang tinggi. Dalam rangka pengelolaan atas risiko ini manajemen telah menerbitkan suatu pedoman internal dalam bentuk buku pedoman perusahaan. Risiko Strategis Pengendalian

atas

Strategic Risk demi

Mitigation on strategic risk is peformed to minimize the

meminimalisasi kerugian akibat adanya penetapan dan

risiko

strategis

dilakukan

inappropriate Bank’s strategy impelementation, Bank’s business

pelaksanaan strategi bank yang tidak tepat, pengambilan

strategy, business decision or Bank’s less responsivity to external

keputusan bisnis yang tidak tepat atau kurang responsifnya

changing conditions such as external business policy/decision/

bank terhadap perubahan eksternal bank seperti keputusan/

inappropriate implementation that violates external policy or

kebijakan bisnis, implementasi yang tidak sesuai kebijakan

caused by less response to industrial growth. The assessment

atau karena kurang tanggap terhadap perubahan industri.

on this risk is by consideirng strategic objective achievement,

Penilaian atas risiko ini adalah dengan melihat pencapaian

impelemented busienss strategy and its achievement progress,

atas strategi tujuan, strategi bisnis yang diterapkan di dalam

utilized resources compared to the achievement as well as

mencapainya, sumber daya yang digunakan dibandingkan

implementation quality.

pencapaian tujuan serta kualitas implementasinya. Risiko Kepatuhan Pemantauan

atas

Compliance Risk dengan

The supervision on compliance risk is by managing control

mengatur pengendalian terhadap kemungkinan terjadinya

risiko

on the possibility of incompliance towards internal or external

ketidakpatuhan aturan baik eksternal maupun internal yang

regulations applicable on the Company’s management such as

berlaku dalam pengelolaan perusahaan seperti kepatuhan

Laws, Bank Indonesia Regulation, Internal procedure and policy,

terhadap

Code of Conduct and other related government regulations.

undang-undang,

kepatuhan

peraturan

adalah

Bank

Indonesia,

kebijakan dan prosedur internal, standar/kode etik dan peraturan pemerintah lainnya yang terkait. Risiko Reputasi

Reputation Risk

Kebijakan manajemen dalam memahami dan meminimalisasi

The management’s policy in understanding and minimizing

risiko reputasi bertujuan untuk meningkatkan kepercayaan

reputation risk is aimed to enhance stakeholders and public’s

pemangku

bank,

trust to the Bank, improving Bank’s value and maintaining

meningkatkan nilai bank, meningkatkan kredibilitas bank dan

Bank’s business sustainability on sound and conducive spheres.

kepentingan

dan

publik

terhadap

menjaga konsistensi kelangsungan usaha bank dalam kondisi yang sehat dan kondusif. Risiko reputasi dapat mengakibatkan kemampuan bank

The reputation risk may bring impact Bank’s ability in developing

yang mengembangkan jaringan, jasa ataupun melanjutkan

its network, services or interrupting existing customers services,

pelayanan dari pelanggan yang sudah ada menjadi terganggu,

and, moreover, may bring financial loss for the Bank. Reputation

selain itu dapat membawa bank dalam kerugian finansial.

risk exposure may be occured on every organizational activities

Eksposur risiko reputasi bisa timbul di seluruh aktivitas

including responsibility to perform transaction with the

organisasi termasuk tanggung jawab dalam melaksanakan

customers and public.

transaksi dengan pelanggan dan masyarakat.


201





Evaluasi terhadap Efektivitas Manajemen Risiko

Evaluation of RIsk Management Effectiveness

Dalam rangka monitoring dan evaluasi efektivitas pelaksanaan

Regarding the monitoring and evaluation of risk management

manajemen risiko, Perseroan melakukan evaluasi atas laporan

implementation effectiveness, the COmpany carries evaluation

progress mitigasi risiko setiap triwulan sehingga risk profile

of risk mitigation progress report quarterly that the determined

yang telah ditetapkan Perseroan dapat termitigasi secara

risk profile can be mitigated in accurate and measured manner.

tepat dan terukur. Sistem Informasi Manajemen Risiko yang ada cukup

Current Risk Management Inforamtion System is relatively

membantu guna memberikan penilaian terhadap risiko yang

supportive in providing assessment for the risk faced by the

dihadapi bank. Kriteria penilaian mengacu pada ketentuan

bank. Assessment indicator is referring to regulation of Bank

Bank Indonesia menyangkut penilaian profil risiko bank.

Indonesia in relation with risk profile assessment of the bank.

Pengendalian intern cukup rutin dilakukan baik secara on site

Periodic internal audit which is carried both on site and off

maupun off site oleh Divisi Manajemen Risiko & Kepatuhan di

site by Risk Management & Compliance Division under direct

bawah supervisi langsung Direktur Kepatuhan.

supervisión from Complianec Director.

Bank SULUT dalam melakukan pengelolaan risiko termasuk

Bank Sulut in carrying risk management is included as a bank

ke dalam kategori bank dengan kompleksitas usaha tinggi

with high business complexity that is obligated to implement

sehingga wajib menerapkan 8 (delapan) jenis risiko yaitu:

8 (eight) risk type of: Credit Risk, Market Risk, Operational RIsk,

Risiko Kredit, Risiko Pasar, Risiko Operasional, Risiko Likuiditas,

Liquidity RIsk, Reputation Risk, Legal Risk, Compliance Risk and

Risiko Reputasi, Risiko Hukum, Risiko Kepatuhan, dan Risiko

Strategic Risk. The management of those eighth risks has to be

Stratejik. Pengelolaan kedelapan jenis risiko terus diupayakan

in line with Basel Road Map and Regulation of Bank Indonesia.

agar sejalan dengan road map Basel dan ketentuan Bank Indonesia. Kualitas pelaksanaan manajemen risiko sangat ditentukan

Risk management implementation quality is highly determined

oleh pemahaman serta pengetahuan potensial risiko yang

by risk potential understanding and knowledge owned by

dimiliki para karyawan/ti. Sehubungan dengan itu dan

the employees. Related with respective requirement, and to

dalam rangka mematuhi ketentuan PBI No. 11/25/PBI/2009

comply with PBI No. 11/25/PBI/2009 regarding Amendment

tentang Perubahan Atas Peraturan Bank Indonesia Nomor

of Regulation of Bank Indonesia No. 5/8/PBI/2003 regarding

5/8/PBI/2003 Tentang Penerapan Manajemen Risiko Bagi

Risk Management Implementation for Commercial Banks

Bank Umum dan PBI No. 11/19/PBI/2009 tentang Sertifikasi

and PBI No. 11/19/PBI/2009 regarding Risk Management

Manajemen Risiko Bagi Pengurus dan Pejabat Bank Umum,

Certificaiton for Management and Executives of Commercial

maka Bank SULUT telah berkali-kali mengirim para karyawan/

Banks,Bank Sulut has several times delegating the employees,

ti, pejabat dan pengurus bank untuk mengikuti pendidikan

executives and management of the bank to participate in risk

dan uji kompetensi tentang manajemen risiko, sehingga

amnagement education and competency test, that as end

sampai pada akhir tahun 2012 telah >50% dari total personil

of 2012, more than 50% current personnel of the bank has

yang ada telah mengikuti ujian sertifikasi dari GARP (Global

passed certification process from Global Associations of Risk

Associations of Risk Professional) dan BSMR.

Professional) and BSMR.

Berikut adalah rekapitulasi komposisi pengurus dan pejabat

Following are recapitulation of management and executives of

Bank SULUT pemegang sertifikasi manajemen risiko sebagai

Bank Sulut who hold risk management certificaiton

berikut:

202





Jabatan Position

No

Job Group Job Group

Jumlah Pejabat Total Executives


Lulus Tingkat Level of Passed 1

2

3

4

5

1.

KOMISARIS Commissioners

-

4

4

3

1

-

-

2.

DIREKSI Directors

-

5

5

5

4

5

-

3.

GROUP HEAD Group Head

J-15

2

2

2

2

2

-

4.

PEMIMPIN DIVISI Head of Division

J-12 s/d J-14

14

14

14

1

-

-

5.

WAKIL PEMIMPIN DIVISI Deputy of Head of Division

J-12

3

1

1

1

-

-

6.

PEMIMPIN DEPARTEMEN Head of Department

J-11

37

29

27

13

-

-

7.

PEMIMPIN CABANG & WAKIL PEMIMPIN CABANG Head of Branch Office

J-09 s/d J-11

19

19

19

10

-

-

8.

PEMIMPIN CABANG PEMBANTU & KONTROL INTERN Deputy of Branch Office

J-09 s/d J-11

10

8

6

3

-

-

9.

SR. ANALIS KP & PIMBAG CABANG UTAMA Head of Supporting Branch Office

J-08 s/d J-09

22

22

16

4

-

-

10.

ANALIS KP, YURIST, PROGRAMMER, JR. DEALER, PEMIMPIN SEKSI, ANALIS CABANG, JR.ANALIS, KOORDINATOR KANTOR KAS, MARKETING OFFICER, KASIR, ASISTEN OPERASIONAL KP Analyst ,YURIST PROGRAMMER,JR DEALER,Head of Section, Branch Analyst,JR. Analyst Cash Office Coordiantor,MARKETING OFFICER,Cashier, Operational Assistant

J-06 s/d J-08

34

29

3

-

-

-

11.

PEMIMPIN SEKSI, ANALIS CABANG, JR. ANALIS, KOORD KK, MO, KASIR, ASS OPS CABANG Head of Section, Branch Analyst, JR. Analyst, Cash Office Coordinator, MO, Cashier, Branch operational assistant

J-05 s/d J-07

130

103

10

-

-

-

325

277

121

54

8

0

Total

Pengungkapan Eksposur Risiko dan Penerapan Manajemen Risiko Bank Sulut

Statement of Risk Exposure and Risk Management Bank Sulut

Menunjuk PBI No.ll/25/PBI/2009 tanggal 01 Juli 2009 tentang

Pursuant to PBI No. II/25/PBI/2009 dated July 1st, 2009

perubahan atas PBI No. 5/8/PBI/2003 tanggal 19 Mei 2003 dan

regarding amendment of PBI No. 5/8/PBI/2013 dated May 19th,

SE Bank Indonesia Nomor 13/23/DPNP tanggal 25 Oktober

2013 and Bank Indonesia Circular Letter No. 13/23/DPNP dated

2011 tentang perubahan atas Surat Edaran Nomor, 5/21/

October 25th, 2011 regarding amendment of Circular Letter

DPNP Perihal Penerapan Manajemen Risiko bagi Bank Umum,

No. 5/21/DPNP regarding Risk Management Implementation

maka disampaikan laporan Profil Risiko Bank SULUT posisi 31

for Commercial Banks, following are Risk Profile Report of Bank

Desember 2013 berdasarkan matriks pengukuran parameter

Sulut as of December 31st, 2013 position based on calculation

sebagai berikut:

indicators, as follows:


203




Penilaian Posisi Triwulan IV 2013 Position Assessment Quarter IV 2013 Jenis Risiko Risk Type

N0

Inheren Risk Inheren Risk


Penilaian Posisi Triwulan III 2012 Position Assessment Quarter III 2012

KPMR KPMR

Peringkat Risiko Risk Management Quality Level

Inheren Risk Inheren Risk

KPMR KPMR

Peringkat Risiko Risk Management Quality Level

1

Kredit Credit Risk

Low

Satisfactory

1

Low

Satisfactory

1

2

Pasar Market Risk

Low to Mod

Satisfactory

2

Low to Mod

Satisfactory

2

3

Likuiditas Liquidity Risk

Low to Mod

Satisfactory

2

Low to Mod

Strong

1

4

Operasional Operational Risk

Low

Satisfactory

1

Low

Strong

1

5

Hukum Legal Risk

Low

Satisfactory

1

Low

Satisfactory

1

6

Strategik Strategic Risk

Low to Mod

Satisfactory

1

Mod

Strong

2

7

Kepatuhan Compliance Risk

Low to Mod

Satisfactory

2

Low to Mod

Satisfactory

2

8

Reputasi Reputation Risk

Low to Mod

Satisfactory

2

Low to Mod

Satisfactory

2

Agregat Composit Score

Low to Mod

Satisfactory

2

Low to Mod

Satisfactory

2

Matriks Penilaian Faktor Profil Risiko Risk Profile Factor Assessment Matrix Jenis Risiko Risk Type

No

204

Tingkat Risiko Inheren Inherent Risk Level

Tingkat Kualitas Manajemen Risiko Risk Management Quality Level

Tingkat Risiko Risk Level

1

Kredit Credit Risk

Low

Satisfactory

1

2

Pasar Market Risk

Low to Moderate

Satisfactory

2

3

Likuiditas Liquidity Risk

Low to Moderate

Satisfactory

2

4

Operasional Operational Risk

Low

Satisfactory

1

5

Hukum Legal Risk

Low

Satisfactory

1

6

Strategik Strategic Risk

Low to Moderate

Strong

1

7

Kepatuhan Compliance Risk

Low to Moderate

Satisfactory

2

8

Reputasi Reputation Risk

Low to Moderate

Satisfactory

2

Agregat Composit Score

Low to Moderate

Satisfactory

2

Analisis

Analysis

Posisi risiko Bank dalam peringkat 2 memiliki karakteristik

Risk position of the Bank on 2nd level with characteristics as

sebagai berikut:

follows:

- Secara keseluruhan pelaksanaan mitigasi/pengendalian

- Generally,

implementation

of

risk

mitigation

and

risiko dalam aktivitas bisnis tergolong cukup baik, hal ini

management on business activity of the bank was

dapat dilihat dari beberapa parameter antara lain NPL, KAP

acceptable, as indicated from several indicators such as

BOPO, LABA namun disadari masih terdapat beberapa

NPL, KAP, BOPO, Profit but it was realized that on several

parameter pada inherent risk yang perlu mendapat

indicators of inherent risk which shall be highly considered

perhatian penting untuk dimitigasi risiko antara lain:

for risk mitigation, among others:






• Masih terkonsentrasi pada kredit consumer.

• Still concentrated on consumer loan.

• Aset keuangan dengan sisa jatuh tempo diatas satu tahun dibandingkan kewaji keuangan dengan sisa jatuh tempo diatas satu tahun lebih dari 60% (High).

• Financial assents with current maturities to liabilities with maturities above 1 year was more than 60% (High)

• Komposisi Aset, Kewajiban, dan transaksi rekening administrasi (TRA).

• Composition of assets, liabilities and off-balance transaction

• Sumber daya manusia dibandingkan total aset masih lebih kecil dari 0.01% (High).

• Human resources to total assets was lower than 0.0 I% (High).

• Jumlah sanksi dan kewajiban yang dikenakan kepada bank dari otoritas berada posisi Moderate to High.

• Total sanction and obligations charged to the bank from the Authority was on Moderate to High level.

• Frekuensi keluhan nasabah rata-rata selama 3 bulan terakhir lebih dari 250 kali.

• Frequency of customers complaints averagely in last 3 months was more than 250 times.

Kualitas penerapan manajemen risiko secara komposit

Quality of composite risk management implementation was

memadai dan menjadi perhatian penting untuk pelaksanaan

adequate and as an important consideration for risk mitigation

mitigasi risiko terhadap risiko kredit, risiko pasar, dan risiko

on credit risk, market risk and liquidity risk.

likuiditas. Penilaian Analisa Risiko Kredit Credit Risk Assessment Analysis Jenis Risiko Risk Type

Risiko kredit Credit Risk

Peringkat Inheren Risk Inherent Risk Level

Low

Analisis Peringkat Inheren Risk Inherent Risk Level Analysis

Mempertimbangkan aktivitas bisnis yang dilakukan Bank, kemungkinan kerugian yang dihadapi Bank dari Risiko Kredit tergolong rendah. Considering business activity of the Bank, loss potential from Credit Risk is relatively low.

Peringkat Kualitas Penerapan Manajemen Risiko Risk Management Implementation Quality Level

Satisfactory

Analisis Peringkat KPMR KPMR Level Analysis

Kualitas penerapan Manajemen Risiko Kredit memadai, namun terdapat kelemahan tetapi dapat diselesaikan pada aktivitas bisnis normal. Credit Risk Management Implementation quality level is adequate but there was a weakness which can be setteld under normal busienss activity.

Nilai Akhir Peringkat Risiko Kredit Credit Risk Level Assesmsent Final Score

1

Kesimpulan Peringkat Risiko Risk Level Summary

Mempertimbangkan aktivitas bisnis yang dilakukan oleh bank, kemungkinan kerugian yang dihadapi Bank dari risiko inheren tergolong rendah dan terdapat kelemahan dalam Kualitas penerapan Manajemen Risiko tetapi kelemahan tersebut dapat diabaikan. Considering business activity of the bank, loss potential faced by the Bank from inherent risk was relatively low and there was a weakness on Risk Management implementation quality but able to be eliminated.

Penilaian Analisa Risiko Pasar Market Risk Assessment Analysis Jenis Risiko Risk Type Peringkat Inheren Risk Inherent Risk Level

Risiko pasar Market Risk Low to Moderate


205





Penilaian Analisa Risiko Pasar Market Risk Assessment Analysis Jenis Risiko Risk Type

Risiko pasar Market Risk


Mempertimbangkan aktivitas bisnis yang dilakukan Bank, kemungkinan kerugian yang dihadapi Bank dari Risiko Pasar tergolong cukup rendah untuk memenuhi kebutuhan nasabah (customer accommodation). Considering business activity of the Bank, loss potential faced the Bank from Market Risk was relatively low to meet customer accommodation.


Satisfactory


Kualitas penerapan Manajemen RisikoPasar memadai, namun terdapat kelemahan tetapi dapat diselesaikan pada aktivitas bisnis normal. Market Risk Management Implementation quality was adequate though found a weakness which can be setteld under normal business activity.

Nilai Akhir Peringkat Risiko Pasar Market Risk Level Assesmsent Final Score

2


Mempertimbangkan aktivitas bisnis yang dilakukan Bank, kemungkinan kerugian yang dihadapi Bank dari risiko inheren tergolong cukup rendah dan kualitas penerapan Manajemen Risiko secara komposit memadai, meskipun terdapat kelemahan yang perlu mendapatkan perhatian manajemen. Considering business activity of the bank, loss potential faced by the Bank from inherent risk was relatively low and the Risk Management implementation quality was adequate though there was a weakness which required management’s concern.

Penilaian Analisa Risiko Likuiditas Liquidity Risk Assessment Analysis Jenis Risiko Risk Type

206

Risiko likuiditas Liquidity Risk


Low to Moderate


Mempertimbangkan aktivitas bisnis yang dilakukan Bank, kemungkinan kerugian yang dihadapi Bank dari Risiko Likuiditas tergolong cukup rendah. Considering business activity of the Bank, loss potential from Liqudity Risk is relatively low.


Satisfactory


Kualitas penerapan Manajemen Risiko Likuiditas memadai, namun terdapat kelemahan tetapi dapat diselesaikan pada aktivitas bisnis normal. Liquidity Risk Management Implementation quality was adequate though found a weakness which can be setteld under normal business activity.

Nilai Akhir Peringkat Risiko Likuiditas Liquidity Risk Level Assesmsent Final Score

2








Penilaian Analisa Risiko Operasional Operational Risk Assessment Analysis Jenis Risiko Risk Type

Risiko operasional Operational Risk


Low


Mempertimbangkan aktivitas bisnis yang dilakukan Bank, kemungkinan kerugian yang dihadapi Bank dari Risiko Operasional tergolong rendah. Considering business activity of the Bank, loss potential from Operational Risk is relatively low.


Satisfactory


Kualitas penerapan Manajemen Risiko Operasional memadai, namun terdapat kelemahan tetapi dapat diselesaikan pada aktivitas bisnis normal. Operational Risk Management Implementation quality was adequate though found a weakness which can be setteld under normal business activity.

Nilai Akhir Peringkat Risiko Operasional Operational Risk Level Assesmsent Final Score

1


Mempertimbangkan aktivitas bisnis yang dilakukan Bank, kemungkinan kerugian yang dihadapi Bank dari risiko inheren tergolong rendah dan kualitas penerapan Manajemen Risiko secara komposit memadai, meskipun terdapat kelemahan, tetapi kelemahan tidak signifikan. Considering business activity of the bank, loss potential faced by the Bank from inherent risk was relatively low and the Risk Management implementation quality was adequate though there was a minor weakness

Penilaian Analisa Risiko Hukum Legal Risk Assessment Analysis Jenis Risiko Risk Type

Risiko Hukum Legal risk


Low


Mempertimbangkan aktivitas bisnis yang dilakukan Bank, kemungkinan kerugian yang dihadapi Bank dari Risiko Hukum tergolong rendah. Considering business activity of the Bank, loss potential from Legal Risk is relatively low.


Satisfactory


Kualitas penerapan Manajemen Risiko Hukum memadai, namun terdapat kelemahan tetapi dapat diselesaikan pada aktivitas bisnis normal. Legal Risk Management Implementation quality was adequate though found a weakness which can be setteld under normal business activity.

Nilai Akhir Peringkat Risiko Hukum Legal Risk Level Assesmsent Final Score

1


Mempertimbangkan aktivitas bisnis yang dilakukan Bank, kemungkinan kerugian yang dihadapi Bank dari risiko inheren komposit tergolong rendah dan kualitas penerapan Manajemen Risiko secara komposit memadai, meskipun terdapat kelemahan tetapi tidak signifikan. Considering business activity of the bank, loss potential faced by the Bank from inherent risk was relatively low and the Risk Management implementation quality was adequate though there was a minor weakness


207





Penilaian Analisa Risiko Strategik Strategic Risk Assessment Analysis Jenis Risiko Risk Type

Risiko Strategik Strategic Risk


Low to Moderate


Mempertimbangkan aktivitas bisnis yang dilakukan Bank, kemungkinan kerugian yang dihadapi Bank dari Risiko Strategik tergolong cukup rendah. Considering business activity of the Bank, loss potential from Strategic Risk is relatively low.


Strong


Kualitas penerapan Manajemen Risiko Strategik memadai, namun terdapat kelemahan tetapi dapat diselesaikan pada aktivitas bisnis normal. Strategic Risk Management Implementation quality was adequate though found a weakness which can be setteld under normal business activity.

Nilai Akhir Peringkat Risiko Strategik Strategic Risk Level Assesmsent Final Score

1


Mempertimbangkan aktivitas bisnis yang dilakukan Bank, kemungkinan kerugian yang dihadapi Bank dari risiko inheren komposit tergolong rendah dan kualitas penerapan Manajemen Risiko secara komposit memadai, meskipun terdapat kelemahan tetapi tidak signifikan. Considering business activity of the bank, loss potential faced by the Bank from inherent risk was relatively low and the Risk Management implementation quality was adequate though there was a minor weakness

Penilaian Analisa Risiko Kepatuhan Compliance Risk Assessment Analysis Jenis Risiko Risk Type

208

Risiko Kepatuhan Compliance Risk


Low to Moderate


Mempertimbangkan aktivitas bisnis yang dilakukan Bank, kemungkinan kerugian yang dihadapi Bank dari Risiko Kepatuhan tergolong cukup rendah. Considering business activity of the Bank, loss potential from Compliance Risk is relatively low.


Satisfactory


Kualitas penerapan Manajemen Risiko Kepatuhan memadai, namun terdapat kelemahan tetapi dapat diselesaikan pada aktivitas bisnis normal. Compliance Risk Management Implementation quality was adequate though found a weakness which can be setteld under normal business activity.

Nilai Akhir Peringkat Risiko Kepatuhan Compliance Risk Level Assesmsent Final Score

2








Penilaian Analisa Risiko Reputasi Reputation Risk Assessment Analysis Jenis Risiko Risk Type

Risiko Reputasi Reputation Risk


Low to Moderate


Mempertimbangkan aktivitas bisnis yang dilakukan Bank, kemungkinan kerugian yang dihadapi Bank dari Risiko Reputasi tergolong cukup rendah. Considering business activity of the Bank, loss potential from Reputation Risk is relatively low.


Satisfactory


Kualitas penerapan Manajemen Risiko Reputasi memadai, namun terdapat kelemahan tetapi dapat diselesaikan pada aktivitas bisnis normal. Reputation Risk Management Implementation quality was adequate though found a weakness which can be setteld under normal business activity.

Nilai Akhir Peringkat Risiko Reputasi Reputation Risk Level Assesmsent Final Score

2


Mempertimbangkan aktivitas bisnis yang dilakukan Bank, kemungkinan kerugian yang dihadapi Bank dari risiko inheren komposit tergolong cukup rendah dan kualitas penerapan Manajemen Risiko secara komposit memadai, meskipun terdapat kelemahan tetapi tidak signifikan. Considering business activity of the bank, loss potential faced by the Bank from inherent risk was relatively low and the Risk Management implementation quality was adequate though there was a minor weakness


209





laporan Hasil Penilaian Tingkat Kesehatan Bank Report of the Bank Soundness Level Assessment N0

1

2

210

Faktor Factor

Profil Risiko Risk Profile

GCG

Bobot Weight

40.00

40.00


Kesimpulan Summary Profil risiko Bank dalam peringkat 2 memiliki karakteristik sebagai berikut: 1. Secara keseluruhan pelaksanaan mitigasi/pengendalian risiko dalam aktivitas bisnis bank tergolong cukup baik, hal ini dapat dilihat dari beberapa parameter antara lain NPL, KAP, BOPO, LABA namun disadari masih terdapat beberapa parameter pada inhern risk yang perlu mendapat perhatian penting untuk dimitigasi risiko antara lain: • Masih terkonsentrasi pada kredit konsumer • Aset keuangan dengan sisa jatuh tempo diatas satu tahun dibandingkan kewajiban keuangan dengan sisa jatuh tempo diatas satu tahun lebih dari 60% (High) • Komposisi Aset, Kewajiban, dan transaksi rekening administrasi (TRA) • Sumber daya manusia dibandingkan total aset masih lebih kecil dari 0,01% (High). • Jumlah sanksi dan kewajiban yang dikenakan kepada bank dari otoritas berada pada posisi Moderate to High. • Frekuensi keluhan nasabah rata-rata selama 3 bulan terakhir lebih dari 250 kali. 2. Kualitas penerapan manajemen risiko secara komposit memadai dan menjadi perhatian penting untuk pelaksanaan mitigasi risiko terhadap risiko kredit, risiko pasar, dan risiko likuiditas Risk Profile of the Bank in 2rd Rank with characteristics, as follows: 1. Generally, implementation of risk mitigation and management on business activity of the bank was acceptable, as indicated from several indicators such as NPL, KAP, BOPO, Profit but it was realized that on several indicators of inherent risk which shall be highly considered for risk mitigation, among others: • Still concentrated on consumer loan. • Financial assents with current maturities to liabilities with maturities above 1 year was more than 60% (High) • Composition of assets, liabilities and off-balance transaction • Human resources to total assets was lower than 0.0 I% (High). • Total sanction and obligations charged to the bank from the Authority was on Moderate to High level. • Frequency of customers complaints averagely in last 3 months was more than 250 times. 2. Quality of composite risk management implementation was adequate and as an important consideration for risk mitigation on credit risk, market risk and liquidity risk. 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 menjemen Bank. Reflecting that the Bank’s Management has implemented generally acceptable Good Corporate Governance. This was reflected from adequate fulfillment of Good Corporate Governance principles. If there was any weakness on the Good Corporate Governance principles implementation, generally, the weakness was minor and able to be settled under normal action taken by the Bank’s Management.

Peringkat (Rating) 1

2

3

4

5





laporan Hasil Penilaian Tingkat Kesehatan Bank Report of the Bank Soundness Level Assessment N0

3

4

5

Faktor Factor

Bobot Weight

Peringkat (Rating)

Kesimpulan Summary

1

10.00

Kinerja Bank dalam menghasilkan laba memadai tercermin dari hasil pencapaian laba dibandingkan dengan RKAT (rasio lebih besar dari 100%) sehingga kemampuan laba dalam meningkatkan permodalan di masa datang tinggi. Performance of the Bank in producing sufficient profit as reflected from profit realization from the Budget Plan (ratio was exceeding 100%) that the profit capacity in incerasing future equity is relatively high.

Capital/ Permodalan Capital/ Permodalan

10.00

Bank memiliki kualitas dan kecukupan permodalan yang memadai disertai dengan pengelolaan permodalan yang kuat sesuai dengan karakteristik, skala usaha, dan kompleksitas usaha Bank, hal tersebut tergambar dari CAR bulan Desember 2013 sebesar 16,99% dan kondisi tersebut masih mencukupi untuk mengantisipasi potensi kerugian. The Bank has adequate equity quality and adequacy followed by strong equity management based on characteristics, business scale and business complexity of the Bank, as reflected from CAR level in December 2013 of 16.9(% and the condition was still adequate to anticipate loss potential.

Jumlah Bobot Jumlah Bobot

100.00

Earnings/ Rentability

Kesimpulan Peringkat Komposit Kesimpulan Peringkat Komposit

2

3

4

5

Bank berada pada peringkat komposit 2 yang mencerminkan kondisi yang secara umum sehat sehingga Bank dinilai mampu mencapai pengaruh negatif dari perubahan kondisi bisnis dan faktor eksternal lainnya tercermin dari peringkat faktor-faktor penilaian, antara lain profil risiko, penerapan GCG, rantabilitas dan permodalan yang secara umum baik jika terdapat kelemahan maka secara umum kelemahan tersebut kurang signifikan. The Bank was on Composite 2 level which indicated generally sound condition that the Bank was viewed to prevent negative impact from business condition shifting and other external factors reflecting from assessment indicators, risk profile, GCG implementation, rentability and equity which were generally acceptable and if there was any weakness it was considered minor.

Laporan Perhitungan KPMM Sesuai Profil Risiko Posisi Desember 2013

Report Of Car Calculation Based On Risk Profile As Of December 2013 Position

I. STRATEGI PENGELOLAAN MODAL

II. CAPITAL MANAGEMENT STRATEGY a. Bank’s Capital Composition

a. Komposisi permodalan Bank

Komposisi permodalan Bank bank capital composition

• Pemerintah Provinsi Sulawesi utara

Rp

137.633.300.000

• Sulawesi Utara Provincial Government

• Pemerintah Provinsi Gorontalo

Rp

13.217.500.000

• Gorontalo Provincial Government

• Pemerintah Kota & Kabupaten di Provinsi Sulawesi Utara dan Gorontalo

Rp

132. 653.100.000

• Regent and City Government of Sulawesi Utara and Gorontalo

• PT. Mega Corpora

Rp

101.970.800.000

• PT. Mega Corpora


211





Komposisi permodalan Bank bank capital composition

• KOPKAR Bank SULUT

Rp

22.596.300.000

• KOPKAR Bank SULUT

Jumlah Modal Disetor

Rp

408.071.000.000

Total Paid-in Capital

Dana Setoran Modal

Rp

52.451.821.000

Paid-in Capital Deposit

Agio

Rp

61.857.845.000

Agio

Modal sumbangan

Rp

176.702.687

Grants Capital

Cadangan umum

Rp

28.694.892.069

General Reserves

Cadangan tujuan

Rp

43. 973.336.673

Appropriate reserves

Laba tahun berjalan (50%)

Rp

114.430.534.607

Income for the Year (50%)

Selisih kurang antara PPA dan CKPN atas aset produktif

Rp

(76.330.325.469)

Different between PPA and Impairment Losses Allowance on earning asstes

Penyertaan (50%)

Rp

(912. 342.933)

Investment (50%)

Total Modal Inti sebesar dari total ATMR

Rp

632.413.463.634 at. 16.05%

Total core capital to total RWA

- Modal Pelengkap sebesar Rp37.074 juta atau 5.86% dari Modal Inti.

- Supplementary Capital reached to Rp. 37 074 million or 5.86% from Core Capital.

- Modal Pelengkap Tambahan sebesar Rp0.00 juta. - Additional supplementary capital of Rp. 0.00 juta.

Total modal yang eligible untuk perhitungan KPMM sebesar

Rp

b. Strategi pengelolaan modal

15.257 juta.

Total eligible capital for CAR calculation reached to Rp. 315.257 million.

b. Capital Management Strategy

Untuk saat ini modal yang dimiliki Bank masih

Currently, the capital owned by the Bank still complies

memenuhi ketentuan modal minimum yang wajib

with minimum capital limit of the Bank. Thus, in attempt to

dimiliki Bank. Namun dalam upaya mencapai target

achieve target of core capital, Bank Sulut seeks to:

modal inti secara aktif, Bank SULUT melakukan beberapa upaya antara lain: - Mengupayakan setoran tunai (fresh money) dari pemegang saham Pemerintah Provinsi,

- Acquire fresh money from the shareholders of Provincial, Regent and City Government of Sulut and Gorontalo.

Kabupaten dan Kota se Sulut dan Gorontalo. -

Investor Strategi.

- Investor Strategy (Employee Cooperative and private)

-

Kapitalisasi Dividen.

-

Penyisihan dari Laba Bersih.

- Dividend Capitalization. - Allowance from Net Income.

II. Identifikasi dan Pengukuran Risiko Material a. Identifikasi dan pengukuran jenis risiko yang dinilai material oleh Bank. Jenis risiko yang dinilai material oleh Bank mencakup:

212

-

Risiko Konsentrasi Kredit,

-

Risiko Pasar,

-

Risiko Likuiditas.


II. Material Risk Identification And Measurement a. Material Risk type identification and measurement by the Bank.

Type of risk which is considered material is including: - Credit Concentration Risk - Market Risk - Liquidity Risk




-

Risiko Operasional,

-

Risiko Strategik,

- Operational Risk - Strategic Risk

-

Risiko Reputasi.

- Reputation Risk

b. Metode dan asumsi yang digunakan


b. Method and Assumption Used

Risiko Konsentrasi Kredit

Credit Concentration Risk

Parameter komposisi portofilio asset dan tingkat kosentrasi

Assets Portfolio composition and concentration indicators

•

Sub Parameter Asset Per Akun Neraca

• Assets per Balance Sheet Post Sub-Indicator

Kategori KK Biasa, KK Cash Collateral, KK Pensiunan PNS,

General KK, Cash Collateral KK, Civil Servant Pension

Kredit Konsumtif Umum. KK Pejabat Publik!Anggota

KK, General Consumer KK, Public Official/Legislature KK

Dewan dibanding total aset sesuai penilaian, rasio 61%-

category to total assets based on assessment, ratio of 61% -

70% penetapan rasio ideal <40%.

70%, ideal ratio determination < 40%.

•

Sub Parameter Kredit sector ekonomi dibanding total kredit

Kategori Lain-lain (KK Biasa, KK Lainnya, KPR) dibanding total kredit sesuai penilaian, rasio >70% penetapan rasio ideal <60%.

•

Sub Parameter Kredit per kategori portofolio dibanding

• Credit of Economy Sector to Total Credit Sub-Indicator

Other categories (General KK, Other KK, Mortgage) to total credit based on assessment, ratio ? 70% from ideal ratio determination < 60%.

• Credit per Portfolio Category to total credit Sub-Indicator

total kredit

Kategori KK Biasa, KK Cash Collateral, KK Pensiunan PNS,

General KK, Cash Collateral KK, Civil Servant Pension KK,

Kredit Konsumtif Umum. KK Pejabat Publik/Anggota

General Consumer KK, Public Official/Legislature KK category

Dewan banding total kredit sesuai penilaian, rasio diatas

to total assets based on assessment, ratio exceeding 60%,

60% penetapan rasio ideal <50%.

ideal ratio determination < 50%.

Risiko Pasar

Market Risk

Parameter Volume dan Komposisi

Volume and Composition Indicator

•

Sub Parameter Volume dan Komposisi

• Volume and Composition Sub-indicator

Aset keuangan dengan sisa jatuh tempo diatas satu tahun

Financial assets with maturity more than one year to financial

dibanding kewajiban keuangan dengan sisa jatuh tempo

liabilities with maturity more than one year, based on

diatas satu tahun sesuai penilaian, rasio >60% penetapan

assessment, ratio of > 60%, ideal ratio determination < 30%.

rasio ideal <30%.

Risiko Likuiditas

Liquidity Risk

a. Parameter Komposisi aset, Kewajiban & Transaksi

a. Assets, Liabilities and Accounts Transaction Composition Indicators

Rekening •

Sub Administratif (TRA) Sub Parameter Komposisi

• Off-balance accounts sub-indicator assets, liabilities & off-

aset, Kewajiban & Transaksi Rekening Adminstratif

balance transaction composition

- Pendanaan

- Non-core financing to total financing based on assessment ratio of > 30%, ideally, the ratio is below 10%.

Non

Inti

dibandingkan

total

Pendanaan sesuai penilaian, rasio >30% idealnya rasio ini lebih kecil 10%


213




- Pendanaan Non Inti dikurangi asset likuid dibanding total asset produktif dikurangi asset likuid dibanding total asset produktif dikurangi asset likuid sesuai penilaian, rasio >20% penetapan


- Non-core financing deduced by liquid assets to total earning assets deduced by liquid assets to total earning assets deduced by liquid assets, based on assessment, ratio of >20%, ideal ratio <5%.

rasio ideal <5%. b. Assets and Liabilities Concentration Indicators

b. Parameter Konsentrasi Aset dan Kewajiban •

• Liability Concentration Sub-Indicator

Sub Parameter Konsentrasi Kewajiban

Penerimaan

dana

pada

suatu

pos

kewajiban

dibandingkan dengan Total Kewajiban, rasio > 40%

Fund receive in a liability account to total liability, ratio >40%, ideal ratio <10%.

rasio ideal ini <10%.

Risiko Operasional

Operational Risk

Parameter Sumber Daya Manusia (SDM)

Human Resources (HR) Indicator

•

Sub penerapan Manajemen SDM

• HR Management Sub-Indicator

Jumlah SDM dibanding total aset sesuai penilaian, rasio

Total HR to total assets based on assessment, ratio <0/01%,

<0,01% penetapan rasio ideal >0,05%.

ideal ratio determination >0.05%.

Risiko Strategik

Strategic Risk

Parameter pencapaian rencana Bisnis Bank (RBB)

Bank Business Plan Achievement indicator

- Prosentase komposisi pemberian kredit (sesuai RKAT)

- Productive Loan Disbursement composition percentage

produktif sesuai penilaian >50% dan <140 penetapan

based on assessment >50% and <140 ideal ratio

rasio ideal 100%.

determination 100%.

- Rasio Realisasi Dana Pihak Ketiga terhadap Rencana DPK sesuai penilaian <70% ideal ratio 100%.

- Third Party Fund Realization ratio to total Third Party Fund based on assessment <70% ideal ratio of 100%.

Risiko Reputasi

Reputation Risk

Parameter Frekuensi dan Materialitas keluhan Nasabah

Customers Complaints Frequency and Materiality Indicator

•

• Customers Complaints Frequency and Materiality Sub-

Sub Parameter Frekuensi dan Materialitas keluhan nasabah

Indicator

Frekuensi Keluhan nasabah (rata-rata selama 3 Bulan

Customers complaints frequency (averagely in 3 last

terakhir) dengan ratio >250 kali dengan frekuensi ideal

months) with ratio >250 times with ideal frequency of <75

<75 kali.

times.

III. Penilaian Kecukupan Modal

III. Capital Adequacy Assessment

Penilaian ini untuk mengukur seberapa besar modal Bank

The Assessment is to measure how significant the Bank’s capital

dibandingkan dengan risiko yang dihadapi Bank, sebagai

compared with risks faced by the Bank, among others:

berikut:

214

1. Pengukuran ATMR risiko kredit menggunakan metode

1. Credit Risk RWA calculation using standard method based

standar sesuai dengan ketentuan Bank Indonesia, di mana

on Regulation of Bank Indonesia, where amount of credit risk

jumlah ATMR risiko kredit posisi Desember 2013 sebesar

RWA as of December 2013 position reached to Rp3,038,868

Rp3.038.868 Juta..

million.






2. Pengukuran ATMR risiko pasar menggunakan metode

2. Market Risk RWA calculation using standard method based

standar sesuai dengan ketentuan Bank Indonesia, di mana

on Regulation of Bank Indonesia where amount of market

jumlah ATMR risiko pasar posisi Desember 2013 sebesar

risk RWA as of December 2013 reached to Rp0.00 million.

Rp0,00 juta. 3. Pengukuran ATMR risiko operasional menggunakan

3. Operational Risk RWA calculation using Basic Indicator

metode Pendekatan Indikator Dasar (PID) sesuai dengan

approach based on Regulation of Bank Indonesia, where

ketentuan Bank Indonesia, di mana jumlah risiko

operational risk as of December 2013 reached to Rp901,849

operasional posisi Desember 2013 sebesar Rp901.849 juta.

million.

Dari gambaran diatas bahwa total ATMR Bank atas Risiko

From above mentioned illustration, Total RWA of the Bank for

Kredit, Risiko Pasar, Risiko Operasional sebesar Rp3.940.717

Credit Risk, Market Risk, Operational Risk reached to Rp3,940,717

Juta dengan modal minimum yang dibutuhkan sebesar

million with minimum capital required of Rp315,257 million

Rp315.257 juta (8% dari ATMR).

(8% from RWA).

Total Modal Bank per Desember 2013 sebesar Rp669.487 juta,

Total Bank’s equity as of December 2013 reached to Rp669,847

basil perhitungan KPMM sesuai Profil Risiko terjadi kelebihan

million, result of CAR calculation based on Risk Profile was

modal sebesar Rp304.086 juta.

booked equity outstanding of Rp304,086 million.

IV. MODAL MINIMUM SESUAI PROFIL RISIKO

IV. MINIMUM CAPITAL BASED ON RISK PROFILE

Berdasarkan hasil penilaian profil risiko Bank posisi Desember

Based on risk profile assessment result for position as of

2013 berada pada peringkat 2 (PK-2), sehingga untuk

December 2013, which was at 2nd Level (PK – 2), that to comply

memenuhi peraturan Bank Indonesia yang berlaku, KPMM

with prevailing Bank Indonesia Regulation, compulsory CAR of

Bank yang wajib dimiliki sesuai penilaian Bank sebesar 9% s/d

the Bank based on the Bank’s assessment was 9% to <10% level.

<10%. Perhitungan KPMM pilar I posisi Desember 2013 (Pilar I) ratio

1st Pillar CAR calculation as of December 2013, (Pillar I), CAR

CAR 16,99%, sedangkan perhitungan KPJ\tiM sesuai Profit

Ratio of 16.99%, while KPJ/tiM calculation based on Risk Profit

Risiko (ICAAP) ratio CAR= 9,27%.

(ICCAP) CAR Ratio – 9.27%.

Gambaran perhitungan KPMM sesuai dengan profil risiko

Illustration of CAR calculation based on above mentioned risk

diatas menunjukkan bahwa kemampuan untuk menyerap

profile indicated that the capacity to absorb loss potential was

potensi kerugian sangat baik, disamping itu penilaian profil

excellent, besides, risk profile assessment illustrates that the

risiko menggambarkan bahwa manajemen Bank dapat

Bank’s management was able to mitigate the risk appropriately.

mengendalikan risiko dengan baik.


215





Sistem Pengendalian Internal

Internal Audit System

Uraian mengenai Sistem Pengendalian Internal

Description Internal Audit System

Fungsi pengendalian internal dijalankan oleh Satuan Kerja

Internal audit function is carried by Internal Audit unit which

Audit Intern yang bertanggung jawab langsung kepada

is directly responsible to the President Director carrying the

Direktur Utama dengan misi mendukung terlaksananya

mission to support the implementation of risk management,

proses manejemen risiko, internal kontrol dan tata kelola

internal audit and good corporate governance process. Audit

perusahaan yang memadai. Pelaksanaan audit menggunakan

implementation using risk based method which proritizes on

metode risk based yang memprioritaskan pada unit kerja

working unit with bigger ineherent risk, using on-site audit

yang memiliki inherent risk yang lebih besar, menggunakan

and off-site audit methods and the Auditee has delivered

metode pemeriksaan secara on-site dan pemantauan secara

commitment to conduct improvement with certaint ime limit

off-site dan Auditee telah memberikan komitmen untuk

of the audit result finding.

melakukan perbaikan dengan batas waktu tertentu atas temuan hasil audit.

Evaluasi Efektivitas Sistem Pengendalian Intern

Evaluation of Internal Audit System Effectiveness

Secara keseluruhan kualitas sistem pengendalian intern

Generally, internal audit system quality has indicated

telah menunjukan hasil cukup memadai meskipun masih

acceptable result though still needs to be improved. The Bank

perlu ditingkatkan lagi. Bank terus berupaya agar sistem

attempts that internal audit system is performed effectively

pengendalian intern dijalankan secara efektif dan efisien,

and efficiently and the monitoring procedure is carried without

dan prosedur pengawasan dilaksanakan dengan tanpa

any exception, and maintaining supportive circumstances

pengecualian, serta mempertahankan lingkungan yang

in internal audit initiative. Fraud which occured in 2012 was

menunjang dalam upaya pengendalian intern. Kasus-kasus

generally due to inadequacy of monitoring function which is

penyimpangan yang terjadi selama tahun 2013 umumnya

attached on the officer in operational working unit, and less-

timbul karena kurang memadainya fungsi pengawasan

understanding regarding the importance of consistency in

melekat dari pejabat pada unit kerja operasional, serta

implementing compliance principle on procedure system.

kurangnya pemahaman terhadap pentingnya konsistensi dalam mengimplementasikan prinsip kepatuhan pada sistem prosedur.

216

Guna lebih meningkatkan kompetensi serta obyektivitas

To enhance competency and objectiveness of audit result,

hasil audit, Unit SKAI mengikutkan auditornya pada program

IAU has partiicpated its auditors on training both externala

pelatihan baik ekstern maupun intern, seminar/workshop

nd internal, seminar/workshop and prepared the auditors

serta mempersiapkan auditor-auditor untuk mengikuti

to participate on internal auditor sustainable professional

program sertifikasi profesi berkelanjutan auditor internal.

certification.






Perkara Penting Yang Sedang Dihadapi Perusahaan

Litigation

Permasalahan hukum adalah permasalahan hukum perdata

Litigation refers to crime and civil case faced by Bank Sulut

dan pidana yang dihadapi oleh Bank SULUT selama periode

during the reporting year period and has been prosed under

tahun laporan dan telah diajukan melalui proses hukum.

legal process.

Permasalahan hukum yang dihadapi oleh Bank SULUT selama

Litigation faced by Bank Sulut in 2013, as follows:

tahun 2013 adalah sebagai berikut: Jumlah Total

Permasalahan hukum Litigation

Perdata Civil

Pidana Crime

Telah selesai (mempunyai kekuatan hukum yang tetap) Settled (with permanent legal force)

-41/Pdt-G/2012/PN-KTG

-

Dalam proses penyelesaiannya Under settlement process

-No. 23/Pdt.G/2011/PN-Idi Aceh Timur (Kasasi) -No.06/Pdt.G/2011/PN-Mdo (Kasasi) -No.54/Pdt.G/2011/PN-KTG (Kasasi) -No.443/Pdt.G/2012/PN.Mdo (Banding) -No.15/Pen-Pdt/tanm.eks-HT/2013/PNDpk (Pengadilan Negeri)

-

Total

6

-

Akses Informasi

Information Access

Dalam melaksanakan prinsip-prinsip akuntabilitas dan

In carrying accountability and transparency principles of the

transparansi informasi Perusahaan, Perseroan senantiasa

corporate information, the Company presetns and publishes

menyajikan dan mempublikasikan seluruh informasi yang

every information related with performance, amendment and

terkait dengan kinerja, perubahan, maupun pengembangan

development which had been carried. Following are the media

yang dilaksanakan. Berikut adalah media yang digunakan

used by the Company in supporting the stakeholders to access

oleh Perseroan dalam memudahkan pemangku kepentingan

corporate information:

mengakses informasi perusahaan: 1. Website: www.banksulut.co.id

1. Official site: www.banksulut.co.id

2. Call center: Bank SULUT Care: 14004

2. Call Center: Bank SULUT Care: 14004

3. Laporan Tahunan

3. Annual Report

4. Laporan Keterbukaan Informasi kepada Bank Indonesia,

4. IInformation Disclosure Report to Bank Indonesia, Indonesia

Bursa Efek Indonesia dan Otoritas Jasa Keuangan.

Stock Exchange and Financial Service Authority.


217





Keterbukaan Informasi

Information Disclosure

Keharusan dan larangan dalam hal memelihara Keterbukaan

Compulsory and restriction in maintaining information

Informasi:

disclosure, as follows:

a. Pegawai harus menjaga agar informasi Bank selalu

a. The employees have to ensure that the Bank’s information

memenuhi karakteristik mudah dipahami, relevan, penting

always complies with several characteristics of easily

serta dapat diandalkan.

understood, relevant, important and reliable.

b. Pegawai harus memperlakukan informasi sesuai dengan

b. The employees has to treat the information based on the

klasifikasi informasi.

information classification.

c. Pengungkapan informasi hanya dapat dilakukan melalui

c. The information disclosure only can be done through

media yang telah ditentukan sesuai kebijakan bank dan

certain media which have been appointed based on the

Bagian Sekretariat/Pejabat yang ditunjuk.

bank’s policy by the appointed Secretariat/Executives.

Transparansi Kondisi Keuangan dan Non Keuangan Bank, Laporan Pelaksanaan GCG dan Pelaporan Intern

Transparency of Financial and Non-Financial Condition of the Bank, GCG Implementation Report and Internal Reporting

a) Kepemilikan saham anggota Dewan Komisaris dan

a) Shareownership of Board of Commissioners and Board of Directors

Direksi pada Perseroan

Sampai 31 Desember 2013 tidak ada kepemilikan saham

As of December 31st, 2013 there was no shareownership of

oleh anggota Dewan Komisaris dan Direksi pada Bank

Board of Commissioners and Board of Directors members

SULUT atau Bank lain atau lembaga keuangan bukan Bank

of Bank Sulut or other Banks as well as non-bank financial

atau perusahaan lain dengan komposisi sebesar atau lebih

institution or other companies with composition of 5% or

dari 5% dari modal disetor. Anggota Dewan Komisaris dan

more from the paid-in capital. Members of the Board of

Direksi yang termasuk dalam ketentuan tersebut tidak

Commissioners and Board of Directors which are included

memiliki saham sesuai ketentuan transparansi dimaksud.

on the regulation are not having any shares based on the

Demikian pula anggota Direksi baik secara perorangan

transparency regulation. So that the Board of Directors

maupun kolektif tidak memiliki saham melebihi 25% dari

members either individually or collectively does not have

modal disetor pada suatu perusahaan lain.

any shares of more than 25% from paid-in capital in other companies.

b) Transaksi yang mengandung benturan kepentingan

b) Conflict of Interest Transaction

Selama tahun 2013 tidak terdapat kegiatan investasi,

Throughout 2013, there was no investment, expansion,

ekspansi, divestasi, akuisisi, restrukturisasi, hutang/modal

divestment, acquisition, debt/capital restructuring and

dan transaksi yang mengandung benturan kepentingan

other transaction which containing conflict of interest or

atau sifat transaksi dengan pihak afiliasi.

transaction with affiliated party.

c) Buy Back Shares dan Buy Back Obligasi Bank

c) Buy Back Shares and Bonds Buy Back

In 2013, there was a buy back of bonds issued by the

Selang tahun 2013 telah terjadi buy back terhadap obligasi yang diterbitkan.

218


Company.





Kode Etik

Code Of Conduct

Pernyataan Etika Bisnis

Statements of Business Ethics

Dalam rangka menciptakan perilaku bisnis yang etis dan layak,

To establish ethical and proper business behavior, the

Perseroan menyusun Kode Etik yang berisikan norma-norma

Company formulates Code of Conduct consists of obligatory

yang harus dipatuhi oleh setiap pengurus dan pegawai bank

norms that has to be complied by all management and

dalam menjalankan tugasnya. Dengan penerapan kode etik

employees in implementing their duties. Code of Conduct

secara konsisten pada semua hubungan, baik pelanggan,

consistent implementation in very relationship, both towards

mitra, dan pihak lain di luar bank maka akan tercipta

the customers, partners and other external parties will create

lingkungan kerja yang kondusif bagi keberhasilan kinerja

conducive working environment on Bank’s and employees’

pegawai dan bank.

performance achievement.

Salah satu upaya pelaksanaan kode etik adalah bank

One of the code of conduct implementation is that the bank

mengikuti dan tunduk pada seluruh Undang-Undang

complies to all government law and regulation which is related

Pemerintah dan Peraturan yang berhubungan dengan

with the business. The Code of Conduct is placed as a reference

bisnis. Kode Etik menjadi acuan bagi organ bank dan semua

for the bank’s organ as well as employees in implementing

pegawai dalam menerapkan nilai-nilai (values) dan etika

business values and ethics that will become an integrated part

bisnis sehingga menjadi bagian dari budaya bank. Setiap

for the bank’s culture. Every banks hall has a corporate values

bank harus memiliki nilai-nilai bank (corporate values) yang

which reflect moral attitude of the bank in carrying its business.

menggambarkan sikap moral bank dalam pelaksanaan usahanya. Kode etik ini berlaku bagi seluruh organ perusahaan (pemegang saham, Komisaris, Direksi, pejabat eksekutif dan seluruh karyawan). Untuk dapat merealisasikan sikap moral dalam pelaksanaan

To realize moral attitude in carrying its business, the bank has

usahanya, bank harus memiliki rumusan etika bisnis yang

to have business ethics which is agreed by the bank’s organ

disepakati oleh organ bank dan semua pegawai. Pelaksanaan

and employees. Sustainable business ethics implementation

etika bisnis yang berkesinambungan akan membentuk budaya

is as manifestation of the bank’s values. Business ethics values

bank yang merupakan manifestasi dari nilai-nilai bank. Nilai-nilai

and formulation need to be further disclose and described on

dan rumusan etika bisnis bank perlu dituangkan dan dijabarkan

the Code of Conduct to be understood and implemented. The

lebih lanjut dalam pedoman perilaku agar dapat dipahami dan

bank’s values is moral principlan in achieving vision and mission

diterapkan. Nilai-nilai bank merupakan landasan moral dalam

of the bank. Universal bank’s values are namel trusted, fair and

mencapai visi dan misi bank. Nilai-nilai bank yang universal

honest.

antara lain adalah terpercaya, adil dan jujur.

Tujuan Etika Bisnis

Objectives of the Business Ethics

Tujuan dari Pernyataan Etika Bisnis adalah:

Objectives of the Business Ethics are namely:

•

Meningkatkan kepedulian dan memberikan panduan bagi

• To enhance awareness and provide gudiance for the bank’s

manajemen dan pegawai bank dalam melakukan kegiatan

management and employees in carrying daily ativity and

keseharian dan dalam membuat keputusan bisnis.

determining business decision.

•

Memacu kepedulian terhadap isu etika dan aksi perlawanan

• To encourage awareness of ethical issue and counter

dalam keseharian aktivitas bisnis dan menjunjung

reaction in daily business activity as well as uphold several

nilai seperti kepercayaan, keterbukaan, kejujuran, dan

values such as trust, transparent, honesty, and accountability

akuntabilitas dalam setiap kesepakatan.

in every agreement.


219


•




Mempromosikan dan menjaga standar etika, patuh pada

• To promote and maintain ethical standard, comply with

Undang-Undang, Peraturan, menghormati kebudayaan

Law, Regulation, and respect local and national culture.

lokal dan nasional. •

Membangun kerangka kerja bagi perilaku profesional dan bertanggung jawab untuk berprestasi untuk semua

• To establish framework for professional and responsible attitude to acheive for every individual in the bank.

individu di bank. •

Menanamkan kejelasan dan prinsip-prinsip realistis atau nilai

• To foster clarity and realistic principle or values provided

yang diberikan kepada manajemen, pimpinan dan pegawai

by to themanagement, executives and employees in

dalam memformulasikan dan mengimplementasikan kode

formulating and implementing code of conduct, client

etik, penghargaan klien dan best practices, membuatnya

reward and best practices, placing as part of the Bank’s

sebagai bagian dari Budaya Bank.

Culture.

Isi Pedoman Etika Bisnis

Objectives of the Business Ethics

Ruang lingkup pedoman ini meliputi hubungan-hubungan

Scope of the code is including relationship of the Bank in

Bank dalam berperilaku terhadap pemangku kepentingan

delivering attititude to the stakeholders and also regulating

dan juga mengatur pedoman etika dan perilaku lingkungan

code of conducts both in internal and external circumstances.

internal dan eksternal. 1. ETIKA DAN PERILAKU KOMISARIS Dalam

hubungannya

dengan

1. Board of Commissioners Ethic and Attitude penerapan

fungsi

Board of Commissioners has to:

a. Memahami fungsi Kepatuhan dan melaksanakannya

a. Understanding Compliance Function and Implementing it as behavioral guidance for the emplyees.

sebagai contoh perilaku bagi Pegawai. b. Menghindari timbulnya benturan kepentingan baik secara langsung maupun tidak langsung. c. Menjaga keamanan dan kerahasiaan informasi bank.

Dalam

hubungannya

dengan

b. Avoiding conflict of interest occurance both directly or indirectly. c. Maintaining Bank’s information confidentiality and security. 2. Board of Directors Ethic and Attitude

2. ETIKA DAN PERILAKU DIREKSI penerapan

fungsi

kepatuhan, Direksi harus: a. Memahami fungsi Kepatuhan dan melaksanakannya sebagai contoh perilaku bagi Pegawai. b. Menghindari timbulnya benturan kepentingan baik secara langsung maupun tidak langsung. c. Menjaga keamanan dan kerahasiaan informasi Bank.

220

Regarding to Compliance Function implementation, the

Kepatuhan, Komisaris harus:

Regarding to Compliance Function implementation, the Board of Directors has to: a. Understanding Compliance Function and Implementing it as behavioral guidance for the emplyees. b. Avoiding conflict of interest occurance both directly or indirectly. c. Maintaining Bank’s information confidentiality and security.

3. ETIKA DAN PERILAKU PEGAWAI

3. Employees Ethic and Attitude

a. Pegawai dalam Bank: 1) Pegawai harus senantiasa menjunjung tinggi etika bisnis yang berlaku umum dan tata nilai bank dalam tugasnya sehari - hari. 2) Pegawai wajib mendahulukan kepentingan bank dari pada kepentingan golongan, pribadi, keluarga, kerabat. 3) Setiap pegawai wajib menjaga harta milik dan nama baik bank.

a. Internal Employee:


1) The employees have to promote generally accepted busines ethics and Bank’s set of value in performing their daily activities. 2) The employees are obligatory to prioritize Bank’s interest above group, individual, family and relatives’ interest. 3) Every employee is obligated to preserve Bank’s asset and reputation.



4) Pegawai wajib bersikap, berperilaku baik dan menjaga kesopanan didalam ataupun di luar Bank. 5) Pegawai wajib menerima penempatan tugas, melaksanakan perjalanan dinas, rotasi dan mutasi, berdasarkan Perintah/Keputusan Direksi atau Atasan yang berwenang. 6) Pegawai wajib memegang rahasia jabatan, yaitu rahasia yang berkaitan dengan tugas dan / jabatannya, baik yang berupa dokumen tertulis, rekaman suara ataupun perintah / pernyataan lisan dari Atasannya. 7) Pegawai wajib mengerahkan segala daya dan upaya dalam melaksanakan tugas jabatan yang diserahkan kepadanya. 8) Pegawai wajib mentaati aturan-aturan yang berlaku di bank. 9) Pegawai wajib mematuhi isi Perjanjian Kerja Bersama. 10) Pegawai wajib berada di tempat tugas dan melaksanakan tugasnya pada hari dan jam kerja yang ditentukan, kecuali sedang menjalankan tugas Bank di luar tempat tugasnya.



4) The employees are obligated to indicate proper manner and maintaining well behavior inside or outside the Bank. 5) The employees are obligatory to receive duties placement, perform obligated duties travel, rotation and mutation referring to BOD or authorized supervisor’s order/decision. 6) The employees have to protect position confidentiality or other confidential information related to its duties/ positon, both in written document, voice recorder or stated order/statement from its Superior. 7) The employees are obligated to address all of their efforts in performing duties delegated to them, 8) The employees are obligated to comply with the regulations applied at the Bank. 9) The employees are obligated to comply with Joint Working Agreement. 10) The employees are obligated to be at the duties location and implement their duties at determined place and time, except performing other Bank’s assignment outside their duties location.

b. Hubungan kerja antar pegawai dalam Bank: 1) Pegawai wajib membina kerjasama yang positif dan produktif, saling menerima dan menghargai didasari ketulusan dan itikad baik. 2) Atasan wajib memberikan panutan, arahan, dan bimbingan atas perilaku dan kinerja pegawai yang berada didalam supervisinya. 3) Pegawai wajib melaporkan kepada atasannya setiap terjadi kecurian atau kehilangan harta milik Bank yang diketahuinya dalam waktu 2 x 24 jam. 4) Saling menghargai, mendorong semangat, dan membina kerjasama dalam tugas dan tanggung jawab masing – masing. 5) Meningkatkan integritas, keterbukaan, dan hubungan yang harmonis.

b. Professional Relation between Bank’s Employees 1) The employees have to establish positive and productive cooperation, mutual respect based on sincerity and good will.

Upaya dalam Penerapan dan Penegakan Etika Bisnis

Code of Conduct Implementation and Enforcement Initiative

Upaya sosialisasi dan penegakan Kode Etik Perusahaan di

Code of Conduct dissemination and enforcement in bank Sulut

Bank SULUT merupakan bagian dari pewujudan semangat

is part of the implementation of Good Corporate Governance

Good Corporate Governance (GCG) di mana pedoman

(GCG) spirit whereas the code disclosed on the Code of Conduct

yang tercantum dalam Kode Etik Perusahaan merupakan

is a principal in realizing ”Attitude Transformation” to develop

landasan untuk merealisasikan “Perubahan Perilaku” untuk

culture and attitude of every management and employees of

mengembangkan budaya dan perilaku seluruh manajemen

Bank Sulut which highly upholds ethics and moral as well as

dan karyawan Bank SULUT yang menjunjung tinggi etika dan

attitude based on prevailing regulation.

2) The superior has to provide guidance, orientation and assistance on employees’ behavior and performance under his/her supervision. 3) The employees have to report to their superior on any Bank’s asset loss that they acknowledged within 2 x 24 hours time period. 4) Mutual respect, encouraging spirit and establishing cooperation on their duties and responsibilities. 5) Enhancing integrity, transparency and harmonious relationship.

moral serta perilaku sesuai dengan peraturan perundangundangan yang berlaku.


221





Penyebarluasan Kode Etik Perusahaan dilakukan melalui

Code of Conduct dissemination is carried under various program

rangkaian program dan kegiatan yang ditujukan

and activity aiming that every management and employees will

agar semua jajaran manajemen dan Karyawan dapat

be able to understand, internalize and implement responsible

memahami, menghayati dan melaksanakan etika dan

ethics and behaviour to carry each workign assignment, either

perilaku yang bertanggung-jawab dalam melaksanakan

among the employees or with the business partners and

tugas kerjanya masing-masing, baik sesama Karyawan

stakeholders. It is expected within the implementation of the

maupun dengan mitra kerja dan pemangku kepentingan.

policy will encourage business behaviour/employees with

Diharapkan pula dengan pelaksanaan kebijakan ini lahir

competency and able to express working professionalism

Karyawan/pelaku bisnis yang memiliki kompetensi dan

and creativity attached with high moral integrity to improve

mampun mengekspresikan profesionalisme kerja dan

performance of the Company.

kreativitas disertai integritas moral yang tinggi untuk meningkatkan kinerja Perusahaan. Selama tahun 2013, kegiatan dan program yang dilakukan

Throughout 2013, activity and program which is carried as a

sebagai bentuk upaya sosialisasi dan penegakan Kode Etik

form of Code of Conduct dissemination and enforcement, as

Perusahaan, sebagai berikut:

follows:

• Distribusi buku pedoman Kode Etik Perusahaan.

• Distribution of Code of Conduct manual.

• Internalisasi Kode Etik Perusahaan melalui program

• Code of Conduct internalization through HR training and

pelatihan dan pengembangan SDM.

development program.

• Pemantapan pemahaman Kode Etik Perusahaan secara

• Enforecement of Code of Conduct understanding

berkala melalui kegiatan diskusi, seminar, workshop,

periodically through discussion, seminar, workshop and

dan dialog antara manajemen dengan karyawan Bank

dialgoue between the management and employee of Bank

SULUT.

Sulut.

Pernyataan mengenai Budaya Perusahaan (Corporate Culture)

Corporate Culture Statement

Pengembangan budaya perusahaan (corporate culture)

Corproate culture development is an integrated effort of the

merupakan upaya yang tidak terpisahkan dari penegakan

Code of Conduct enforcement where the Code of Conduct

terhadap Kode Etik Perusahaan dimana Kode Etik

is as a reference as bank’s organ which all employees in

menjadi acuan bagi organ bank dan semua pegawai

implementing business values and ethics as part of the

dalam menerapkan nilai-nilai (values) dan etika bisnis

bank’s culture. Every bank has to have corporate values which

sehingga menjadi bagian dari budaya bank. Setiap bank

illustrates bank’s moral attitude in its business implementation.

harus memiliki nilai-nilai bank (corporate values) yang menggambarkan sikap moral bank dalam pelaksanaan usahanya.

PENGADUAN PELANGGARAN

WHISTLEBLOWING SYSTEM

Keberadaan Whistleblowing System

Existence of Whistleblowing System

Sebagai bagian dari penegakan prinsip GCG di Bank

As part of GCG principle realization in Bank Sulut, the

SULUT, Manajemen memberikan keleluasaan kepada institusi internal yang dibentuk Perseroan dan Entitas Anak maupun kepada seluruh insan Perseroan dan Entitas Anak untuk dapat melakukan pengawasan dan melaporkannya dengan berlandaskan kepada 5 prinsip utama, yaitu:

222


Management provides flexibility to internal institution established by the Company and subsidiary as well as to all Company and Subsidiaries People to carry monitoring and report based on 5 primary principles, as follows:





1. Menyatakan Pendapat

1. Expressing opinion.

2. Laporan Dibuat Dengan Itikad Baik

2. The report is made under good will.

3. Menjaga Kerahasiaan Laporan Tentang Pelanggaran Kode

3. Preserving Confidentiality of Code of Conduct Violation

Tata Laku

Report.

4. Menanggapi Dengan Cepat

4. Fast Response.

5. Perlindungan Terhadap Pelapor

5. Protection to the Whsitleblower.

Mekanisme Whistleblowing System

Mechanism of Whistleblowing System

Pengurus dan pegawai Bank SULUT diharuskan untuk

Management and Employees of Bank Sulut are obligated to

melaporkan kepada Direktur Kepatuhan sesegera mungkin

immediately report to the Compliance Director if there is any

jika terjadi atau ada potensi terjadinya pelanggaran terhadap

possible violation towards regulation, Code of Conduct and

Budaya Kepatuhan. Pelaporan atas terjadinya atau dugaan

Company’s compliance culture. The report may be delivered

terjadinya pelanggaran terhadap Budaya Kepatuhan harus

through written statement addressed directly to the Compliance

dilakukan secara tertulis. Laporan tertulis ditujukan langsung

Director. Related with the reporting, a whistleblower has to

kepada Direktur Kepatuhan. Sehubungan dengan pelaporan

clearly disclose identity of the reported party and type of

tersebut, seorang pelapor harus menyebutkan secara jelas

violation conducted, as well as clearly mentioning identity of

identitas pelaku pelanggaran dan tindak pelanggaran yang

the whistleblower. is protected by the Company.

dilakukan, menyebutkan secara jelas identitas pelapor.

Perlindungan Pelapor

Protection for Whistleblower

Direksi Bank SULUT menjamin bahwa tidak ada Pengurus

The Board of Directors of Bank Sulut ensures that there is no

dan pegawai Bank SULUT yang akan menderita kerugian

employees and management of Bank Sulut which will bear

sebagai akibat dari tindakan pelaporan yang dilakukannya.

certain loss as an impact of the report delivery which has been

Direksi telah mengeluarkan SK Direksi No: 068/SK-KEP/DIR/

conducted. The Board of Diretors has issued BOD Decree No.

VII/2013 tentang Program Perlindungan Bagi Pelapor Fraud.

068/SK – KEP/DIR/VII/2013 regarding Protection for the Fraud

Kerahasiaan pelapor dan laporannya akan dijamin termasuk

Reporter. Identity of the Whistleblower and its report will be

jika pengungkapan diperlukan dalam rangka pelaksanaan

guaranteed including if the disclosure is required to perform

penyidikan dan untuk kepentingan Bank SULUT. Pelapor akan

investigation and on behalf of Bank Sulut’s interest. The

mendapatkan perlindungan hukum dan keamanan.

whistleblower will otbain legal and security protection.

Penggunaan dan Output Whistleblowing System

Whistleblowing System Application and Output

Selama tahun 2013, SKAI berkewajiban untuk menerima

Throughout 2013, the Board of Commissioners received ..

dan memastikan bahwa pengaduan tentang pelanggaran

reports through the whistleblowing system mechanism.

etika bisnis, pedoman perilaku, peraturan perusahaan dan

In handling those reports, the Board of Commissioners is

peraturan perundang-undangan dapat secepatnya diproses

obligated to receive and ensure that any violation of business

secara wajar dan tepat waktu.

ethics violation, code of conduct, corporate regulation and law can be processed immediately in fair and timely manner.

Tindak lanjut dan ketepatan pendekatan penyelesaian serta

Any follow-up and appropriateness of settement approach and

kecepatan mengambil tindakan merupakan langkah-langkah

responsiveness in taking decision is several actions taken to

yang ditempuh untuk memperkuat penerapan GCG dalam

strengthen GCG implementation on operational activity of the

kegiatan operasional Perusahaan yang diharapkan mampu

Company which is expected to enhance corporate quality and

meningkatkan kualitas dan citra positif Perusahaan di mata

positive image among the stakeholders.

seluruh pemangku kepentingan.


223





224

Uraian Mengenai Corporate Social Responsibility yang Terkait Dengan Lingkungan Hidup Description about corporate social responsibility related with environment

225

Uraian Mengenai Corporate Social Responsibility yang Terkait Dengan Ketenagakerjaan, Kesehatan dan Keselamatan kerja Description regarding corporate social responsibility related with employment, occupational health and safety.

226

Uraian Mengenai Corporate Social Responsibility yang Terkait Dengan Pengembangan Sosial dan Kemasyarakatan Description regarding corporate social responsibility related with social and community development

227

Uraian Mengenai Corporate Social Responsibility yang Terkait Dengan Tanggung Jawab Kepada Konsumen Description regarding corporate social responsibility related with responsibility to the customers

228

Uraian Mengenai Tindak Lanjut Terhadap Pengaduan Description of complaints follow-up

230

Program Peningkatan Layanan Kepada Konsumen Customers Service Improvement Program

230








225


Bank SULUT senantiasa menjalankan proses bisnis yag berkelanjutan berlandaskan pada "Triple Bottom Line Angle" yang mengaitkan People, Profit dan Planet. Oleh sebab itu Bank SULUT tidak hanya mengorientasikan pencapaian keuntungan yang sebesar-besarnya tetapi juga mempertimbangkan keberlanjutan perusahaan melalui pemenuhan Tanggung jawab Sosial baik kepada masyarakat, lingkungan, nasabah serta karyawan. Bank Sulut always perform sustainable business process based on "Triple Bottom Line" angle connecting People, Profit and Planet. Therefore, Bank Sulut is not only oriented to reach highest benefit but also concerning company's sustainability through Corporate Social Responsibility compliance to society, environment, customers and employees.

226


Uraian mengenai corporate social responsibility yang terkait dengan lingkungan hidup

Description about corporate social responsibility related with environment

Kebijakan:

Policy:

Bank SULUT memiliki kebijakan untuk memelihara kelestarian

Bank Sulut has a policy to preserve the environment form every

lingkungan dari setiap operasi Perusahaan. Untuk itu dalam

operational of the Company. Therefore, Bank Sulut ensures

operasional sehari-hari perusahaan, Bank SULUT memastikan

that the employees and all management has to attempt in

bahwa karyawan dan seluruh manajemen senantiasa berupaya

conducting efficiency that the environment preservation will

untuk melakukan penghematan agar kelestarian lingkungan

be protected.

dapat terjaga. Sebagai institusi perbankan, keberlanjutan usaha Bank

As a banking institution, sustainability of Bank Sulut’s business

SULUT bergantung pada geliat perekonomian Daerah. Bank

is depended on Regional Economy growth. Bank Sulut will

SULUT tidak akan mencapai keberlanjutan bilamana roda

not achieve sustainability if the economic development is

perekonomian yang didukung terhenti. Oleh karena itu, Bank

suspended. Therefore, Bank Sulut regards the environment as

SULUT menjadikan pelestarian lingkungan sebagai salah

one of priority of the Company’s sustainability. Several policies

satu prioritas utama keberlanjutan Perusahaan. Sejumlah

related with energy efficiency, wise water consumption,

kebijakan terkait efisiensi energi, penggunaan air secara

waste management and paper usage efficiency have been

bijak, pengelolaan limbah, dan penghematan penggunaan

implemented gradually. Simultaneously with those initiatives,

kertas telah diterapkan secara bertahap. Bersamaan dengan

environment preservation is also carried through collaboration

berbagai inisiatif internal tersebut, pelestarian lingkungan

with various external parties, including customers, social

juga kami lakukan melalui kolaborasi dengan berbagai pihak

community institution and Regional Government.

eksternal, termasuk Nasabah, Lembaga Sosial Kemasyarakatan serta Pemerintah Daerah. Berikut adalah kegiatan-kegiatan Bank SULUT dalam upaya

Following are activities of Bank Sulut in performing corporate

melaksanakan tanggung jawab sosial perusahaan terhadap

social responsibility to the environment:

lingkungan:

No.

1

Pemegang Saham Shareholders

Kab. Sangihe

Jumlah CSR Total CSR

Tanggal Pembayaran Realization Date

Rp288.737.990,-

14 Agustus 2013

Pengadaan 1 (satu) unit motor sampah 1 (one) Garbage Car Procurement

Rp76.446.362,-

16 Oktober 2013

Pembangunan di Kab.Bone Bolango khususnya di bidang lingkungan hidup serta dalam upaya menyukseskan program Pemkab Bone Bolango yaitu Clean & Green Menuju Adipura 2014 Development inBone Bolango Regent particularly on environment sector and to support program of Bone Bolango Regent Government, Clean & Green Towards Adipura 2014

23 Oktober 2013

Program Kesehatan dan Pelestarian Alam Pemkot Bitung Health and Environment Preservation Program of Bitung City Government

2

Kab. Bone Bolango

3

Kota Bitung

Rp499.658.969,-

Total

Rp864.843.321,-



227





Pada tahun 2013, Bank SULUT telah menyalurkan dana bagi

In 2013, Bank Sulut disbursed fund for environment preservation

kegiatan CSR dalam usaha pelestarian dan perlindungan alam

and protection CSR activity reached to Rp864,843,321 billion.

sebesar Rp864.843.321 miliar.

Uraian mengenai corporate social responsibility yang terkait dengan ketenagakerjaan, kesehatan dan keselamatan kerja

Description regarding corporate social responsibility related with employment, occupational health and safety.

Kebijakan:

Policy:

Bank SULUT berupaya untuk menciptakan kondisi terbaik

Bank Sulut seeks to establish best condition that every employee

agar setiap karyawan merasa bangga dalam berkarya dan

feels proud in carrying duty and achieving accomplishment

menorehkan prestasi bersama Perusahaan. Karena tanpa kerja

altogether with the Company. Without hardwork and support

keras serta dukungan dari seluruh karyawan, Bank SULUT tidak

from the employees, Bank Sulut will fail to grow appropriately.

mungkin dapat tumbuh dengan baik. Untuk itu, Bank SULUT

Therefore, Bank Sulut continuously ensures and attempts to

senantiasa memastikan dan berupaya untuk meningkatkan

improve professional Human Resources management quality,

kualitas pengelolaan Sumber Daya Manusia yang profesional,

concerning employees aspiration and upholding as well as

mendengarkan aspirasi karyawan dan sekaligus menjunjung

preserving the employees rights.

tinggi dan melindung hak- hak setiap karyawan. Kegiatan dan upaya Bank SULUT dalam upaya mensejahterakan

Activity and efforts of Bank Sulut in promoting employees

karyawan adalah:

welfare, among others:

1. Menjaga keselamatan kerja dan menjamin kesehatan

1. Protecting occupational safety and assuring employees

karyawan dengan menyediakan fasilitas asuransi bagi

health by providing insurance facility for the employees,

karyawan, baik asuransi kesehatan maupun asuransi tenaga

both health insurance or manpower insurance (Jamsostek).

kerja (Jamsostek). 2. Bank SULUT senantiasa memberikan kesempatan yang

2. Bank Sulut always provides equal opportunity for the

sama kepada karyawan untuk dapat berkerja dan berkarir

employees to work and build career in Bank Sulut without

di Bank SULUT tanpa membedakan suku, agama, ras dan

discriminating ethnicity, religion, race and faith. That, the

kepercayaan. Sehingga dengan demikian setiap karyawan

employees will be secure with the future in working and

akan merasa terjamin masa depannya dalam bekerja dan

building their career.

berkarir.

Turnover Karyawan

Employees Turnover

Suasana kerja yang nyaman merupakan salah satu alasan

Comfortable working circumstances is a reason why the

mengapa karyawan ingin tetap bertahan di Bank SULUT.

employees linger in Bank Sulut. Bank Sulut always pampers

Bank SULUT senantiasa mengayomi karyawan agar bekerja

the employees to work in convenience condition and establish

dengan tenang dan menciptakan suasana kerja yang nyaman.

comfortable working sphere. In 2013, the convenience was

Pada tahun 2013, kenyamanan tersebut dibuktikan dengan

proven by very low turnover rate both resigned or moving

minimnya karyawan yang berhenti ataupun pindah kerja

from Banks Sulut to other companies. Following are employees

dari Bank SULUT ke perusahaan lain. Berikut adalah turnover

turnover in Bank Sulut throughout 2013:

karyawan Bank SULUT selama tahun 2013:

228






Tercatat ada 17% pegawai yang meninggalkan perusahaan

There was 17% employees resigned in 2013, 7 employees

selama tahun 2013 diantaranya pensiun normal 7 orang

passed-away retired (under honorary resignation and 7

pensiun meninggal (pemberhentian dengan hormat) 3 orang,

employees resigned.

berhenti sendiri (diberhentikan) 7 orang.

Uraian mengenai corporate social responsibility yang terkait dengan pengembangan sosial dan kemasyarakatan

Description regarding corporate social responsibility related with social and community development

Kebijakan:

Policy:

Aktivitas pelaksanaan program tanggung jawab sosial yang

Corporate social responsibility program carried by Bank Sulut

dilakukan Bank SULUT ditujukan bagi kesejahteraan masyarakat

is dedicated for society welfare where Bank Sulut is operated.

dimana Bank SULUT beroperasi. Kesejahteraan yang dimaksud

The respective welfare is realized as Bank Sulut’s donation on

diwujudkan dalam bentuk bantuan Bank SULUT di bidang

education, religious and environmental improvement aspects.

pendidikan, keagamaan serta peningkatan kualitas lingkungan.

Harmonization among the society, surrounding environemnt

Harmonisasi antara masyarakat, lingkungan sekitar dan

and existence of Bank Sulut will surely bring mutual benefit for

keberadaan Bank SULUT tentunya dapat saling memberi

each others.

manfaat dan kebaikan bagi satu sama lain. Dana bantuan sosial bertujuan untuk memberikan manfaat

Social donation fund is dedicated to bring benefit to the

kepada masyarakat di sekitar wilayah operasi Bank SULUT.

society in Bank Sulut’s surrounding operational area. Bank

Bank SULUT mendukung pemberdayaan masyarakat melalui

Sulut supports community empowerment through living

peningkatan kualitas hidup, oleh karena itu program-program

quality improvement, therefore, society development program

pengembangan masyarakat dilakukan dengan penyaluran

is carried through donation disbursement on social and

bantuan di bidang pengembangan sosial dan kemasyarakatan,

community development sector, namely regional manpower

seperti penggunaan tenaga kerja daerah, pemberdayaan

recruitment, community development surrounding Bank Sulut,

masyarakat sekitar Bank SULUT, perbaikan sarana dan prasarana

social infrastructures renovation, improvement of education

sosial, peningkatan pendidikan dan kesehatan serta bentuk

and health as well as other donations.

donasi lainnya.


229



Beberapa aktivitas sosial tersebut antara lain:

No.



Several social activiities are including: Tanggal Pembayaran Realization Date


Pembangunan rumah ibadah, sarana umum, pengobatan gratis dan lain-lain Religious place and public facility construction, free medical treatment and other donations

1

Prov. Sulawesi Utara

Rp2.123.000.000,-

2

Kab. Minahasa

Rp596.514.144,-

24 Desember 2013

Fasilitas sarana dan prasarana umum Public facility and infrastructure

3

Kab. Bolaang Mongondow

Rp406.010.136

30 Desember 2013

Pengadaan 2 (dua) mobil ambulans 2 (two) ambulance cars procurement

27 Februari 2013

4

Kab. Gorontalo

Rp685.916.410,-

21 November 2013

Pengadaan mobil penyuluhan dan program kesehatan Pemda Kab. Gorontalo Car donation of health counselling and program of Gorontalo Regent Government

6

Kota Manado

Rp358.900.000,-

12 September 2013

Pengadaan 2 (dua) unit mobil Isuzu Panther 2 (two) units Isuzu Panther car procurement

21 November 2013

Pengadaan mobil penyuluhan dan program kesehatan Pemda Kab.Gorontalo Car donation of health counselling and program of Gorontalo City Government

7

9

Kota Gorontalo

Kab. Boalemo

Rp685.916.410,-

Rp1.190.658.206,-

10

Kota Tomohon

Rp123.472.704,-

11

Kab. Minahasa Selatan

Rp60.639.017,-

12

Kab. Pohuwato

13

Kab. Minahasa Utara

14

230



Kab. Gorontalo Utara


Rp396.700.000,-

Rp116.435.886,-

Rp172.971.000,-

Bantuan pupuk organik cair untuk petani kakao dan bantuan untuk kelompok UKM 03 September 2013 Liquid fertilizer donation for cocoa farmers and SME donations Pengadaan mesin penghancur sampah plastik, mesin pembuat pupuk organik dan 1 (satu) unit motor sampah 05 September 2013 Plastic waste destroyer machines, organic fertilizer manufacturing mechine and 1 (one) unit garbage motorcycle procurement 06 November 2013

19 Juli 2013

Pembangunan prasarana dan sarana Kab.Minahasa Selatan Minahasa Selatan Regent infrastructure construction Perampungan pembangunan Masjid, Gereja, Pura dan Relokasi pemukiman masyarakat Shelter for Mosque, Church, Temple Construction and societ residential relocation

24 Desember 2013

Pengadaan sarana dan prasarana di bidang persampahan, pertamanan dan penerangan Garbage facilities, garden and lighting infrastructures donation

19 Juli 2013

Bantuan perbengkelan sebanyak 35 (tiga puluh lima) unit, bantuan kebakaran rumah 2 (dua) unit, bantuan penguatan ekonomi produktif & bantuan sosial para imam Workshop donation of 35 (thirty five) units, fire donation of 2 (two) units, productive economy donation & social donation for the religious leaders (imam)




No.


15

Kab. Talaud

16

Kab. Sitaro

17

Kab. Bolaang Mongondow Timur

-

-

-

18

Kab. Bolaang Mongondow Selatan

-

-

-

19

Kota Kota Mobagu

-

-

-

Total

Tanggal Pembayaran Realization Date


Rp47.000.000,-

-



-

22 Agustus 2013

2 unit motor sampah 2 Units Garbace Motorcycle

Rp6.964.133.913,-

Selain program di atas, Bank SULUT juga berkomitmen

Besides above mentioned program, Bank Sulut is also

untuk menjaga kelangsungan bisnis mitra usaha terutama

committed to maintain business sustainability of the partners

kelangsungan bisnis usaha kecil, kontribusi ini diwujudkan

primarily sustainability of small enterprise, the contribution is

Bank SULUT pada tahun 2013 dengan menyalurkan kredit

realized by Bank Sulut in 2013 by disbursing Micro Loans to

usaha rakyat sebesar Rp6.166.755.778. Sedangkan untuk

Rp6,166,755,778 and SME Loan to Rp2,828,228,520.

kredit mikro kepada usaha mikro kecil dan menengah sebesar Rp2.828.228.520. Pada tahun 2013, Bank SULUT telah menyalurkan dana bagi

In 2013, Bank Sulut has disbursed fund for CSR activity related

kegiatan CSR dalam usaha pengembangan masyarakat sebesar

with community development program amounted to

Rp6.964.133.913 miliar.

Rp6,964,133,913 billion.

Uraian mengenai corporate social responsibility yang terkait dengan tanggung jawab kepada konsumen

Description regarding corporate social responsibility related with responsibility to the customers

Kebijakan:

Policy:

Pelaksanaan program tanggung jawab sosial terhadap

The implementation of social responsibility program to the

konsumen produk Bank SULUT dilakukan dengan menyediakan

customers of Bank Sulut is carried by providing qualified banking

produk perbankan yang berkualitas dan kemudahan informasi

products and information access regarding the products.

mengenai produk tersebut. Terkait hal tersebut, Bank SULUT

Related with respective condition, Bank Sulut also prompts that

juga mengharapkan pasokan barang dan jasa yang berkualitas

supply of high quality products and services from the suppliers.

dari mitra kerja dan para pemasok. Sebagai bagian pelaksanaan

As a part of social responsibility to the customers realization

tanggung jawab sosial terhadap konsumen serta peningkatan

as well as improvement of GCG implementation, Bank Sulut

implementasi GCG, Bank SULUT telah memiliki kebijakan dalam

formulates a policy in receiving customers complaints including

menerima pengaduan konsumen termasuk membangun

developing whistleblowing system and procedure.

sistem dan prosedur pelaporan pelanggaran.


231





Kegiatan CSR Bank SULUT dalam rangka tanggung jawab

CSR activity of Bank Sulut in actualizing responsibility to the

kepada konsumen, antara lain:

customers, among others:

1. Informasi produk

1. Products Information

2. Sarana pengaduan konsumen

2. Customers Complaints Mechanism.

3. Penanggulangan pengaduan konsumen

4. Customers Complaints Handling

Uraian mengenai tindak lanjut terhadap pengaduan

Description of complaints follow-up

Selama tahun 2013, Setiap keluhan yang disampaikan melalui

Throughout 2013, every complaints delivered through

saluran pengaduan konsumen. Pengaduan yang disampaikan

customers complaints channel. The complaints which had

kemudian dikumpulkan sesuai dengan kompetensi tiap

been delivered was later collected based on competency of

unit kerja di Bank SULUT untuk segera ditindaklanjuti dan

each working unit of Bank Sulut to be immediately followed

memberikan solusi atau rekomendasi yang akurat kepada

up and provided accurate solution or recomendation to the

pelanggan.

customers.

Program peningkatan layanan kepada Konsumen

Customers Service Improvement Program

Sebagai bentuk dedikasi Bank SULUT kepada seluruh konsumen,

As a dedication of Bank Sulut to all customres, every

segenap jajaran manajemen dan insan Bank SULUT senantiasa

management and employees of Bank Sulut are always

berkomitmen untuk meningkatkan pelayanan kepada nasabah

committed to improve service to the customers in sustainable

secara berkesinambungan. Program peningkatan layanan

manner. Customers service improvement program which had

kepada konsumen yang telah dilakukan selama tahun 2013,

been carried in 2013, among others:

yaitu: - Melalui sosialisasi pada hari ulang tahun Bank SULUT yang

• Through socialization on Bank Sulut anniversary by inviting

mengundang partisipasi masyarakat untuk dapat lebih

society participation to further acknowledge Bank Sulut and

mengenal Bank SULUT dan produk-produknya.

its products.

- Bank SULUT memberikan kewenangan pada setiap cabang untuk menyelenggarakan promosi dan pengenalan produk melalui aktivitas-aktivitas seperti Gathering dengan nasabah. - Wujud dedikasi dan komitmen Bank SULUT dalam

232

• Bank Sulut delegates authority to every branch to hold products promotion and introduction through several activities namely Customers Gathering. • An

actualization

of

Bank

Sulut’s

dedication

and

memberikan pelayanan terbaik bagi seluruh nasabah

commitment in delivering best service to al customers

adalah dengan transparansi info produk dan transparansi

within transparency information regarding products and

penggunaan data nasabah.

customers data utilization.


Laporan Keuangan Audit Audited Financial Report


233

PT BANK SULUT DAFTAR ISI LAPORAN AUDITOR INDEPENDEN UNTUK TAHUN YANG BERAKHIR PADA TANGGAL-TANGGAL 31 DESEMBER 2013 DAN 2012

PT BANK SULUT TABLE OF CONTENTS INDEPENDENT AUDITOR'S REPORT FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012

Halaman/Pages PERNYATAAN DIREKSI

DIRECTORS STATEMENTS

LAPORAN AUDITOR INDEPENDEN

INDEPENDENT AUDITOR'S REPORT

LAPORAN KEUANGAN * * * *

LAPORAN POSISI KEUANGAN LAPORAN LABA RUGI KOMPREHENSIF LAPORAN PERUBAHAN EKUITAS LAPORAN ARUS KAS

FINANCIAL STATEMENTS 1-2 3 4 5

CATATAN ATAS LAPORAN KEUANGAN

STATEMENTS OF FINANCIAL POSITION STATEMENTS OF COMPREHENSIVE INCOME STATEMENTS OF CHANGES IN EQUITY STATEMENTS OF CASH FLOW

* * * *

NOTES TO THE FINANCIAL STATEMENT

1. UMUM

6-9

GENERAL 1.

2. IKHTISAR KEBIJAKAN AKUNTANSI

9 - 25

SUMMARY OF ACCOUNTING POLICIES 2.

3. KAS

26

CASH 3.

4. GIRO PADA BANK INDONESIA

26

CURRENT ACCOUNT WITH BANK NDONESIA 4.

5. GIRO PADA BANK LAIN

26

CURRENT ACCOUNT WITH OTHER BANK 5.

6. PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN

27 - 28

PLACEMENTS WITH BANK INDONESIA AND OTHER BANK 6.

7. SURAT-SURAT BERHARGA

28 - 30

MARKETABLE SECURITIES 7.

8. KREDIT YANG DIBERIKAN

31 - 39

LOANS 8.

9. PENYERTAAN

40

INVESTMENT 9.

41 - 42

FIXED ASSETS 10.

11. ASET LAIN-LAIN

42

OTHER ASSETS 11.

12. LIABILITAS SEGERA

43

CURRENT LIABILITIES 12.

13. SIMPANAN NASABAH

43

DEPOSITS FROM CUSTOMERS 13.

14. SIMPANAN DARI BANK LAIN

44

DEPOSITS FROM OTHER BANK 14.

10. ASET TETAP

15. SURAT BERHARGA YANG DITERBITKAN 16. PINJAMAN YANG DITERIMA 17. PERPAJAKAN

44 - 47 48 48 - 50

MARKETABLE SECURITIES 15. BORROWINGS 16. TAXATION 17.

18. LIABILITAS LAINNYA

50

OTHER LIABILITIES 18.

19. LIABILITAS IMBALAN PASCA KERJA

50

EMPLOYEE BENEFITS LIABILITY 19.

20. MODAL SAHAM

51 57

SHARE CAPITAL 20.

21. MODAL SUMBANGAN

57

CAPITAL FROM DONATION 21.

22. SALDO LABA

58

RETAINED EARNING 22.

23. PENDAPATAN BUNGA

58

INTEREST INCOME 23.

24. BEBAN BUNGA

58

INTEREST EXPENSES 24.

25. PENDAPATAN LAIN-LAIN

58

OTHERS INCOME 25.

26. BEBAN PERSONALIA

58

PERSONAL EXPENSES 26.

27. BEBAN UMUM DAN ADMINISTRASI

59

GENERAL AND ADMINISTRATION EXPENSES 27.

234


PT BANK SULUT DAFTAR ISI (Lanjutan) LAPORAN AUDITOR INDEPENDEN UNTUK TAHUN YANG BERAKHIR PADA TANGGAL-TANGGAL 31 DESEMBER 2013 DAN 2012

PT BANK SULUT TABLE OF CONTENTS (Continued) INDEPENDENT AUDITOR'S REPORT FOR THE YEARS ENDED DECEMBER 31, 2013 AND 2012

Halaman/Pages 28. PENYISIHAN PENURUNAN ASET

59

ALLOWANCE FOR IMPAIRMENT LOSSES ON ASETS 28.

29. PENDAPATAN (BEBAN) NON OPERASIONAL

59

NON OPERATING INCOME (EXPENSES) 29.

30. PEMBENTUKAN PENYISIHAN PENURUNAN NILAI

59

NON OPERATING INCOME (EXPENSES) 30.

31. LABA PER SAHAM

60

EARNING PER SHARE 31.

32. DANA PENSIUN

60

PENSION FUND 32.

33. IKATAN

61 - 63

AGREEMENTS 33.

34. ESTIMASI KERUGIAN KOMITMEN DAN KONTIJENSI

64 - 65

ESTIMATED OF IMPAIRMENT LOSSES ON 34. COMMITMENTS AND CONTIGENCIES

35. RASIO ASET PRODUKTIF TERHADAP JUMLAH ASET

65

THE RATIO OF PRODUCTIVE ASSETS TO TOTAL ASSETS 35.

36. RASIO LIABILITAS PENYEDIAAN MODAL MINIMUM

65 -66

THE MINIMUM CAPITAL ADEQUACY REQUIREMENT RATIO 36.

37. SIFAT TRANSAKSI DAN SALDO DENGAN PIHAK-PIHAK YANG BERELASI

66 - 68

NATURE OF TRANSACTIONS AND BALANCES 37. WITH RELATED PARTIES

38. MANAJEMEN RESIKO

68 - 70

RISK MANAGEMENT 38.

39. TANGGUNG JAWAB SOSIAL PERUSAHAAN

70

40. STANDAR AKUNTANSI DAN PERATURAN BARU

70 - 71

41. PENERAPAN AWAL PSAK NO. 50 (REVISI 2010) DAN PSAK NO. 55 (REVISI 2011)

71

42. ASET DAN LIABILITAS MENURUT KELOMPOK JATUH TEMPONYA

72 - 74

BERDASARKAN SISA PERIODE DAN SEGMENTASI USAHA

43. PERISTIWA SETELAH TANGGAL LAPORAN POSISI KEUANGAN 44. PERSETUJUAN PENERBITAN LAPORAN KEUANGAN

CORPORATE SOCIAL RESPONSIBILITY (CSR) 39. ACCOUNTING STANDARD AND NEW REGULATION 40. BEGINNING IMPLEMENTATION PSAK NO. 50 (REVISED 2010) 41. AND PSAK NO. 55 (REVISED 2011)

ASSETS AND LIABILITIES BY THE REMAINING 42. PERIOD MATURITY AND SEGMENTATION BASED BUSINESS

75 - 79 79

SUBSEQUENT EVENT 43. APPROVAL FOR ISSUANCE OF FINANCIAL STATEMENTS 44.


235

236



237

238


    

                                               

    

 



 

 

 

 









 





 

  

  

                                 








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239

    



    

 



                            

 





      



      

  

 

    

  

             

   

  

   

  



  

            







 

240


    



    

 







  

  

 

  

  

   

  



  

   

 







 

    

   

  

   

    









  

      



  

 





 

   

  

  

   









 



    

 

 

    

 





 

 

 

 

 

 

 


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       



       



       



       







   

    



       



       









       



       



   



       



       





       



       





       



       



        

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 



       



       



   



       



       



   





      





      





    

    

    





        

       

       

   

  

  

   

    

   

   

    

 







 





 









     

    

    

     

 



























 

   

  

  















  

        



      

  --


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     

     

 

 

                                                                                                   

                                                                                                                                    

                                                                                     

                                                                                                            

                                                                              

                                                                                           

                                                                        

                                                                              

                                                                  

                                                                  

                                          

                                                   - -

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     

     

 

 

                           

                          

 

 

                                                                                                                    

                                                                                                                                      

                                                                                            

                                                                                           

                                         

                                     

                                                                                                  

                                                                                                                    

- Bank Sulut 2013 Annual Report

245

   

   

 

 

 

 

                                                            

                                                

        

          

                                                          

                                                           

                                               

                                                

          

        

                                                                                  

246


          

                                                                                          

- -

     

     

 

 

                             

                         

         

             

 

 

                                      

                                      

 

 

                            

                         

                            

                         

                                        

                           

                                               

                                         

 

  

 

 

              

                     

                                                                                                                                

                                                                                                                                     

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       

       

                                                                    

                                                     

 

                                                                      

                                                                

             

             

                                                                        

                                                                     

                                                                       

                                                                             

 

 

                                                                              248


                                                                                       - -

       

       

    

    

                                                                                      

                                                                    

 

 

                                                                 

                             

                       

                  

                                      

                                                  

               

 

 

                                                      

                                                         

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   

   

   

   

                                                                                                    

                                                                                                            

                                                             

           

                                        

                                        

                                                          

        

250

 

                

         

              

         

                                                                       

                                                                             


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       

       

 

 

                        

             

                                                            

                                                          

                                                                    

                            

                                               

                                                        

                          

 

 

                                            

                                      

 

 

        

 

                                                                                       

                                                                                   

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251

       

       

 

 

        

252

 

                                                                                           

              

            

          

                              

                             

               

          

                                                                               

                                                                              

                                    

                                          

                                                               

                                                                


                                                                       

- -

       

       

 

 

        

 

                                                   

                                                             

              

            

                                                                         

                                                                     

                                                      

                                                             

 

 

                                                                                                     

                                                                                                           

                                            

                                           

- -


253

   

   

 

 

 

 

 

 

 

 

                                                                             

                                                                             

       

          



 

    

254

   



     

                                      

                                      

                       

                            

                                                                                   

                                                                                  

              

          

                      

                     


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       

       

         

          

                                                                   

                                                                    

 

 

                                                

                                                  

                                                                                                                                                                           

                  

                          

                         

                                                                                                                                                              

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       

       

                                      

                                         

                      

                       

 

 

                                                     

                                              

                          

                                     

                                                   

                                         

 

 

                                                     

                                               

                              

                                 

 

 

                                    

                                              

                          

                    

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                                                             

                                                                   

       



 

 

                                       

                                            

                                    

                                   

                       

                            

         

             

                                                                                                                                    

                                                                                                                                                          

          

 

                                                      

                                                                            - -


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     

     

           

          

 

   

  

   



                          

                   

                        

                     

 

 

                         

                       

                                 

                                  

                                                                                                                        

                                                                                                                                  

                     

                       

 

 

                        

258




                      

- -

   

   

 

 

  

        

     

      

                                                     

                                    

                          

                          

                                                   

                                                                

                                                        

                                                 

         

               

 

 

                                               

                                            

                                  

                                    

    

    

- -

    


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       

       

                           

                        

                                    

                                 

 

 

                                           

                                   





             

                 

                                             

                                   

                            

                        

 

 

                   

           

                                            

                                    

 

 

                            

260

                       


- -

     

     

 

 

                                                                                                                                 

                                                                                                                                                

                         

                                      

 

 

                                

                                        

                                    

                                  

                                                                                                                                      

                                                                                                                            


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     

     

 

 

                                                                                                                                                 

                                                                                                                                                       

                   

                           

                 

              

                                                                 

                                                            

 

                            

262

                         

       



                       

                        


- -

       

       

                                          

                                                 

                                                                                        

                                                                                                 

                                               

                                                   

                                   

                                               

                                                                        

                                                                        

          



 

 

                                      

                                  

 

 

                                        

                                                 

        

            Bank Sulut 2013 Annual Report

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263

   

   

 

 

   

   

    

    

  

    

   

 

                             

                         

                                      

                                      

    

   

  

   





  

 

 





      

    

  

  

    

      

     

     

      

 

            

             

           

               

          

             

                  

                        

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   

   

                  

  

    

                     



      

    

      





  

   

   

    

                        

    

 























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 



            

               

                        

         

             

   

   

   

   


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   

   

 

 

           

             

         

           

                 

             

 

 

  

  





 

 



                                                                 

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  

  

                                                                  

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 

     

 

                     

   

   



 

 

 

   







                                              

                                             

      

      

 

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                                                      


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   

   

 

 

         

 





                    

                   

    

              

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



   

   

                     

    

               

                        

          

 

    

    

             

  

     

                 

                                 

268

    

   

                      


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   

   

          

   



   

   

       





     





        

         

       





      









          



                        


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   

   

 





 



 



  

 

 



















 





































 

 

 







 



















 

 

 











 





 























 





 



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









































































 

























 

 





















 



















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













































































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

















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



 



 

 

























 



 

 



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

 



























   

















 





 



 

    





 

 







 

























 





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











   

 





























 

270

Bank Sulut 2013 Annual Report -  -

   

   

 





 



 



  

 

 



















 























 

























































 



 

























 



















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 































 



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





 

 

























 





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

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









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





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









 





 

























 



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

































































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









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







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

 



















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

 





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

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





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

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

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











   







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

















 

    



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

























































   

 





























 

Bank Sulut 2013 Annual Report -  -

271

   

   

 





 



 



  

 

 

















 





































 







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

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 

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 

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





 





 





















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



 



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

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

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





 





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





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



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

 





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

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





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

 



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

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





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





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

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

 

















 





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

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

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

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

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 

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

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

 



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

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

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

















 







272

 





Bank Sulut 2013 Annual Report -  -

   

   

 





 



 



  

 

 













 





 

























 































































 



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

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















 











































































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









































































 





























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













































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



 

 















 





















 

 







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



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





   

 



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



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















 

Bank Sulut 2013 Annual Report -  -

273

   

   

 

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

 

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 



  

 

 



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













 

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



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

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





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



















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

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







 











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















 

 



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





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







 







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





















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





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

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

 



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





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 

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 

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

 

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

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



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 

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

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

 

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

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



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 

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 

 

 

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



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



 



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

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







 

 

 





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





 

 













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







 

 

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

Bank Sulut 2013 Annual Report -  -

   

   

 

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

 



 



  

 

 









 

 

 





 





















 

 

 

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

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 

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

























 































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











































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











 



   

 





























 

Bank Sulut 2013 Annual Report -  -

275

   

   

 





         



     

     

        











     

     

      









      

                                                             



                                                                    

                                                      

            

                                       





         

         





                   

276

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- -

           

            

   

   

 



                 

            

                                             

                                              

        

  

  

  

 

 

                                              



  



     

                                 









  

  

                                                                                                                                                 - -

      

                                                                                                                                              Bank Sulut 2013 Annual Report

277

   

   

         



  







   

  

  

  

                                                                                                  

                                                                                                                    

                     

                       

                                                          

                                      

                   

                         

                                                                  

                                                            

278


- -

                          

   

   

 

 



 

 

        

        

                                                        

       

      

      

      





         

      



              



 

 

  

 

        

        

        

        

                  

       

      

      

      

      

             





         

 





                                     



                                  


- -

279

   

   

 

 

                                                                                            

                                                 

                 

             

                                                

                                                           



                         

                                                            

   

  

 

 

 

   

   

           

















                  

                      



 



   

280

  

   


- -

   

   

   

 

 



 



    

    

    

                       

             

     

    



 

    

   

    

    

   

   

    









                                

   

  





    

    





   

   

        

    


- -

281

   

   

  

   



                                   

  

  

 

 

 

 

       

  

      



  

       



   

   

  

  

                                                                        

                                                                                       

                                                                                

                                                                                         

                                     

                                            

                                      

                                     

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   

   

 

 

                                                                                                            

                                                                                   

                                

                             

                                            

                                         

                                                                                                                                                                                      

            

                                                                                               

                                                                                      

                                                                                                                                                    


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   

   

 

 

                                                 

                                          

                                                            

                                                        

                                

                      

                  

                

                                                      

                                                    

                                                                                                                        

                                                                                                                                  

                                  

                              

                                                                                               

                                                                                    

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   

   

 

 

                               

                     

                              

                                 

                                                                                                                  

                                                                                                                                

                                                                                                     

                                                                                            

                                                                                                           

                                                                                                                             

                                                                                     

                                                                          Bank Sulut 2013 Annual Report

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285

   

   

     

   



  

  

  

                                            

                                                   

                                 

                                    

                                                     

                                       

          

              

          

286

   

      

     


- -

       

   

   

 

 

                              

                        

                  

   

                  

                 

                 

















   

  

  

   









                       



                      





                     



  

  

   


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287

   

   

         

  



 

  

 

 

       

       

   



    

    

 

    

 

                                                                       

                                                             

            

          

    

    

    

                      

   

                 

   

   

   







  

  

                                  288 Bank Sulut 2013 Annual Report  

    

                        

              - -

  

      

      

   

   

 

 

                                                                                                                   

                                                                                                                           

                                                                                                                                                                                                                                                                                    

                                                                                                                                                                                                                                                                                                                          


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                                                                                                                                                                                                                                                                                                                                                                                                                               

290


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                                                                                                                                                                                                                                                                                                                                                                                                                                                                   

   

   

 

                        

    

  

 

                        

                        

                        

                                                                                                                                                                                                          

                        

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                                                                                                                                                                                                                                                   


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   

   

 

 

                  

                        

            

               

                                                                                   

                                                                                                                

                                                                                                          

                                                 

                                                                                                                                            

                                                                                                                                            

                                                                        

                                                                             

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                                                      

   

   

 

 

                     

                        



                              

  

  

 

                        

                        

                        

                        

                                                                   

                                                                                           

                                                      

                                                                       


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   

   

 

 

                                          

              



 

 

                    

                    

                    

                    

                                                

                                            

                                                                                                                                      

                                                

                                                                               294 Bank Sulut 2013 Annual Report 

                                                                                     

- -

                                                                                                 

   

   

 

 

                                                                              

                                                                                   

                                                                                             

                                                                                               

                    

                           

                   

  

  

 

                   

                   

                   

                   

                

                    

                

             

 

 

                    

                        


- -

295

   

   

  

   



  

 

 

  

   

  

  

   

        

   



     

     

         

   



      

      

       

     

      

   



    

    

    

         



                 

          

          296

   

       

      


- -

      

   

   

                              

   

                

               

               

         

         

          

       

   



  

    

   

   

   



    

   

   

    

    

   

   

    

                         

                 

  

  - -

 


297

   

   

 

 

                    

                        

             

               

 

 

 

 

                                        

                                                 

                             

                      

   





 

 

 

                                                                                                

                  

       

 

 

 

     

     





           298

 

 

                                                                        

      

 


- -

       

      

            

   

   

 

 

                                                            

                                                                         

                                                            

                                                                            

                                            

                                                        

                                                       

                                                               

                                                    

                                                       

                                  

                              

                                                     

                                                            

                                         

                                                      


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   

   

 

 

                                                      

                                                        

                                                     

                                                          

                                                               

                                                                    

                                                                        

                                                                                

                                                                                                                    

                                                                                                                  

                                                                      

                                                                              

                                                                       

                                                                                          

300


- -

   

   

 

 

                                   

                               

                          

                      

                                                             

                                                                     

                                    

                                          

                                                       

                                                           

                                   

                                          

                                               

                                                             

 

 

 

            

 



 

 

- -

 


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   

   

 

        

          



 

     

  

  

             

   

  

     

      

  





 

 

   

                          

                             

                                                                                                                                                                              

                                                                                                                                                                                             

                                                                                  

                                                                            

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   

            

                                                                                                   

                                                                                                       

                                                                           

                                                                               

                                                                               

                                                                                     

         

    

  

 

  

  

   

    

   



 



 

                

                    

                                  

                             


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   

   

 

 

                  





           

 

 

 

      



       

               

    

 

           

 

 



  





                  









                    

                        

                        

     

   

   







    















  

  





     

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                  

   

   

                  

          





  

  





 

 





                          



   



  

          

            

 

 

   

        

        

          





              

            

            

              

    

  

  

    

               

              

 

 

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    


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   

   

                  

     

     







  

  





   

   





           

       

             

 

 

                                                    

                 

 

    

                                    

 

                                     

                                        

                                                      

                                                             

                  

                     

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   

   

 

 

                                                                                      

                                                                                         

                                                                

                                

                           

                       

                              

                         

                                                      

                                                             

                             

                                   

                                   

                                    

- -

          

          


307

   

   

 

 

                                                                  

                                                           

                                         

                                     

 

 

                                  

                              

                                            

                                                        

                                     

                                    

 

 

                                                                                                                                                                              308


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                                                                                                                                                        

   

   

 

 

                                                                                                                                                                         

                                                                                                                                                                                          

                                                       

                                    

                                          

                                                 

                  

                        

                     

              

- -


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   





            

        

               

           

     

         

    



 

 

     

           



   

   



  

  

 

     

    

     

 



 

                  





     

          



        



   

   

     

 

               

      

      

     

      -  -

           

            

        

                   

      

             





  

   

     

    

             



       

 

   

 

   

   





     

 

     

  

   

      



    

 

 

  

  

 

            



    

 

 

 





 

                      

              

   


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   

       



   

                   

         

       

     

  

   

    

  

 

            

  

 

         

     

 

  





     

           

         

  

   

   

     

 

     

          

         

  

   

   

     

 

               

                

-  -

      

    

           

   

   

            

     

 

     

  

      

             

         

  

  

   

     

    

             

       

   

  

 

    

   

   

      

     

  

 

 

  

 

            

     



 

 





 

              

   

312


   



    

   

   

   

   

   

      







    

 

    

 

       









   

-  -

        

    

      

    

     

   



 

    



 

    



           

 

    

 

   



  



       





 





    

    

    

 

 

 



 



   





     



           



  



    

 

 

     





            

  



 



      





       

    

   

   

   

   

   



      









 

       



      

  



   

      



 

   



   

      



 

   



              

   

   

   

 

 

                                                                              

                                                                                      

                    

                           

                   

  

  

 

                   

                   

                   

                                                                                                    

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                   

                                                                                                                  


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   

   

         

                        

  

  

 

                        

                        

                        

                        

                                                                                                                                                       

               

                                                       

                                                              

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                                                                                                                                       

   

   

 

 

                                                                                                                                                                                          

                          

                                        

                                             

                        

                                                                                                                                                                                

  

  

 

                        

                        

                        

                        


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   

   

 

 

                                                            

                                                                          



                    

                                                                                                                                                                            

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                    

                                                                                 

                                                                   

   

   

 

 

                                                                             

                                                                       

                                                                                                                                      

                                                                                                                                            

 

              

 

         

           


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Growing In Regional Diversity

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