Konsep Desain Vektor. Vector Design Concepts

logo Bank Bukopin Syariah 12 November 2008 altenative 2

L A P O R A N TA H U N A N P T B A N K S YA R I A H B U KO P I N 20 16 | A N N UA L R EP O R T

laporan tahunan annual report

2 0 16

Tumbuh berkelanjutan dan meningkatkan kualitas pelayanan Sustainable Growth and Improving the Quality of Services

4/13/17 7:30 AM

Konsep Desain Vektor Melalui konsep desain grafis vektor ini laporan tahunan disajikan lebih segar dan kekinian. Dengan filosofi dan spirit ini, PT Bank Syariah Bukopin terus berupaya berinovasi sesuai tuntutan zaman, baik dalam hal produk, jasa, dan layanan. Upaya ini dilakukan untuk membangun bisnis yang berkesinambungan, serta memberikan pelayanan yang berkualitas dan sesuai kebutuhan nasabah.

Vector Design Concepts Through this vector graphic design concept annual report presented a fresh and contemporary. With the philosophy and spirit of this, PT Bank Syariah Bukopin continues to innovate according to the demands of the times, both in terms of products and services. This effort to build a sustainable business, as well as providing quality services and according to the needs of customers.

PT Bank Syariah Bukopin Annual Report 2016

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Daftar isi

Content

KEUANGAN 06 IKHTISAR FINANCIAL HIGHLIGHTS PENTING 08 PERISTIWA SIGNIFICANT EVENT MANAJEMEN 12 LAPORAN MANAGEMENT REPORT

12 18 24 28

Laporan Komisaris Utama President Commissioner Report Laporan Direktur Utama President Director Report Laporan Ketua Dewan Pengawas Syariah Chairman of Sharia Supervisory Board Report Tanggung Jawab Atas Pelaporan Tahunan PT Bank Syariah Bukopin 2016 Responsibility Towards PT Bank Syariah Bukopin's 2016 Annual Report

PERUSAHAAN 30 PROFIL COMPANY’S PROFILE

32 33 34 36 38 39

Informasi Perusahaan Company’s Information Visi, Misi, dan Nilai Perusahaan Vision, Mission, and Corporate Values Profil Dewan Komisaris Board of Commissioners Profile Profil Direksi Board of Directors Profile Struktur Organisasi Organization Structure Struktur Pemegang Saham Shareholders Structure

40 42 44 50 58

68

ANALISIS MANAJEMEN TERHADAP KINERJA PERSEROAN MANAGEMENT ANALYSIS OF COMPANY'S PERFORMANCES Tinjauan Operasi Per Segmen Usaha Operations Overview Per Segment Kinerja Keuangan Perusahaan The Company’s Financial Performance Solvabilitas dan Kolektabilitas Solvability and Collectibility Struktur Modal dan Kebijakan Manajemen atas Struktur Modal Capital Structure and Management Policy on Capital Structure Ikatan Material untuk Investasi Barang Modal Bonding Materials for Capital Goods Investment Investasi Barang Modal yang Direalisasikan pada Tahun Buku Akhir Realization in Capital Good Investment on Year End Fiscal Target dan Realisasi Tahun Buku serta Target Tahun Buku Berikutnya Target and Realization of Fiscal Year and Target on The Next Fiscal Year Informasi dan Fakta Material yang Terjadi Setelah Tanggal Laporan Akuntan Informations and Material Facts Which Occured After the Date of Accountant Report Prospek Usaha Business Prospect Aspek Pemasaran Marketing Aspect Kebijakan Dividen Dividend Policy

71 72 80 81 82 82 82 84 84 86 88

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Laporan Tahunan 2016 PT Bank Syariah Bukopin

Profil Dewan Pengawas Syariah Sharia Supervisory Board Profile Prestasi Awards Profil Pejabat Eksekutif Executive Officer Profile Bidang Usaha Line of Business Sumber Daya Insani Human Resources

109 110

88 89 89 89 90 90

92

Program Kepemilikan Saham oleh Karyawan dan/atau Manajemen Employee and/or Management Share Ownership Program Realisasi Penggunaan Dana Hasil Penawaran Umum Realization of Fund Utilization of Public Offering Result Informasi Transaksi yang Mengandung Benturan Kepentingan Information of Conflict of Interest Transaction Perubahan Peraturan PerundangUndangan yang Berpengaruh pada Perusahaan Changes to Regulations Which Impact to the Company Uraian Mengenai Perubahan Kebijakan Akuntansi yang Diterapkan Perusahaan pada Tahun Buku Terakhir Description Regarding The Change in Accounting Policy Applied By The Company in Last Fiscal Year Informasi Kelangsungan Usaha Information on Business Continuity

TATA KELOLA PERUSAHAAN GOOD CORPORATE GOVERNANCE Hasil Self Assessment GCG GCG Self Assessment Result Struktur GCG GCG Stucture Uraian Dewan Komisaris Board of Commissioners Review Informasi Mengenai Komisaris Independen Information Regarding Independent Commissioner Uraian Direksi Board of Directors Review Uraian Dewan Pengawas Syariah Sharia Supervisory Board Review

93 94 94 98 98 105

113 115 115 116 118 122 122 125 130 143 145 146 157 158 158 159 160

Assessment terhadap Dewan Komisaris dan Direksi Assessment Against Board of Commissioners and Board of Directors Uraian Kebijakan Remunerasi bagi Dewan Komisaris, Direksi, dan Dewan Pengawas Syariah Review of Remuneration Policy of the Board of Commissioners, the Board of Directors, and Sharia Supervisory Board Frekuensi Rapat Dewan Komisaris dan Direksi Board of Commissioners and Board of Directors Meeting Frequency Informasi Mengenai Pemegang Saham Utama dan Pengendali Information of Major and Controlling Shareholder Pengungkapan Hubungan Afiliasi Affiliate Relationship Disclosure Komite Audit Audit Committee Komite Remunerasi dan Nominasi Remuneration and Nomination Committee Komite Lain di Bawah Dewan Komisaris Other Committees Under the Board of Commissioners Komite Pemantau Risiko Risk Monitoring Committee Uraian Tugas dan Fungsi Sekretaris Perusahaan Review on the Duties and Functions of Corporate Secretary Informasi Mengenai RUPS Tahun Sebelumnya Information Regarding GMS of The Previous Year Uraian Audit Internal Internal Audit Review Uraian Audit Eksternal External Auditor Review MANAJEMEN RISIKO RISK MANAGEMENT Sistem Pengendalian Intern Internal Control System Perkara Hukum Lawsuit Akses Informasi dan Data Perusahaan Access to Information and Company Data Bahasan Mengenai Kode Etik Code of Ethics Review Whistleblowing System Whistleblowing System


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161 161 162 162 163 164 165 166 167

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Keberagaman Komposisi Dewan Komisaris dan Direksi Composition Diversity of Board of Commissioners and Board of Directors Pemenuhan Pelaksanaan Prinsip Syariah Fulfillment in The Implementation of Sharia Principles Penanganan Benturan Kepentingan Conflict of Interest Handling Penerapan Fungsi Kepatuhan Bank Implementation of Bank’s Compliance Function Batas Maksimum Penyaluran Dana Legal Lending Limit Transparansi Kondisi Keuangan dan Non Keuangan, Laporan Pelaksanaan GCG dan Pelaporan Internal Transparency of Financial and Non Financial Condition, GCG Implementation Reports and Internal Reporting Pendapatan Non-Halal Non-Halal Income Penerapan Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme Implementation of Anti Money Laundering and Prevention of Terrorism Financing Kebijakan Buy Back Shares dan Buy Back Obligasi Buy Back Shares and Buy Back Bonds Policy


168 170 172 172 172 173 173

180 184 188

Rasio Gaji Salary Ratio TANGGUNG JAWAB SOSIAL PERUSAHAAN CORPORATE SOCIAL RESPONSIBILITY CSR Terkait Lingkungan CSR Related to Environment CSR Terkait Ketenagakerjaan, Kesehatan, dan Keselamatan Kerja CSR Related to Labor, Health, and Safety CSR Terkait Pengembangan Sosial dan Kemasyarakatan CSR Related to Social and Community Development CSR Terkait Tanggung Jawab terhadap Konsumen CSR Related to Responsibilities to Consumers Kegiatan CSR 2016 CSR Activity in 2016

TEKNOLOGI INFORMASI INFORMATION TECHNOLOGY JARINGAN KANTOR OFFICE NETWORK LAPORAN KEUANGAN FINANCIAL STATEMENT Lampiran REFERENSI KRITERIA PENILAIAN ANNUAL REPORT AWARD 2016 REFERENCE OF ANNUAL REPORT AWARD 2016 CRITERIA


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Ikhtisar Keuangan Financial Highlights

(dalam juta rupiah, kecuali dinyatakan lain)

KETERANGAN

(in million rupiah, unless stated otherwise)

2014 2015 2016

STATEMENTS OF FINANCIAL POSITION Total Assets Total Earning Assets Financing Securities Placement Liabilities Third Party Fund Current Accounts Saving Time Deposit Total Equity

LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN Pendapatan Operasional 502.834 566.081 671.871 Jumlah Pendapatan Pengelolaan Dana oleh 460.596 505.265 575.169 Bank Sebagai Mudharib Pendapatan Usaha Lainnya 42.238 60.816 96.702 Hak Pihak Ketiga Atas Bagi Hasil Dana -331.554 -343.275 -373.817 Syirkah Temporer Pendapatan Operasional setelah 171.280 222.806 298.055 Distribusi Bagi Hasil Beban (Pendapatan) Penyisihan -12.935 -22.637 -59.883 Penghapusan Aktiva Beban (Pendapatan) Estimasi Kerugian -92 - - Komitmen dan Kontinjensi Beban Operasional Lainnya -142.010 -155.463 -185.212 Laba Usaha 16.242 44.707 52.960 Beban Non Usaha - Neto -3.690 -4.041 -5.126 Laba Sebelum Beban Pajak Penghasilan 12.552 40.666 47.834 Laba Tahun Berjalan 8.499 27.778 32.710 Jumlah Penghasilan Komprehensif 8.558 29.450 65.485 Tahun Berjalan

STATEMENTS OF PROFIT (LOSS) AND OTHER COMPREHENSIVE INCOME Operating Income Total Income From Fund Managed by Bank as Mudharib Other Operating Income Third Parties Share On Return Of Temporary Syirkah Funds Operating Income after Distribution of Profit Sharing Expense (Income) for Possible losses

RASIO KEUANGAN (%) Kewajiban Penyediaan Modal Minimum 14,80 16,31 17,00 (KPMM) Aset produktif bermasalah dan aset 3,22 2,44 2,36 non produktif bermasalah terhadap total aset produktif dan aset non produktif Aset produktif bermasalah terhadap 3,26 2,44 2,39 total aset produktif Cadangan Kerugian Penurunan Nilai (CKPN) 1,39 1,36 1,60 aset keuangan terhadap aset produktif Pembiayaan Bermasalah Kotor 4,07 2,99 3,17 Pembiayaan Bermasalah Bersih 3,34 2,74 2,72 Laba Bersih Terhadap Rata-Rata Aset 0,27 0,79 0,76 Laba Bersih Terhadap Rata-Rata Modal 2,39 5,35 5,15 Net Imbalan 2,75 3,14 3,31 Marjin Operasional Bersih 0,16 0,27 0,40 Beban Operasional Terhadap Pendapatan 96,77 91,99 91,76 Operasional (BO/PO) Pembiayaan Terhadap Dana Pihak Ketiga 92,89 90,56 88,18 Rasio Lancar 17,43 16,19 23,75 Pembiayaan Bagi Hasil Terhadap 39,40 48,09 52,56 Total Pembiayaan

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ITEMS

LAPORAN POSISI KEUANGAN Jumlah Aset 5.160.517 5.827.154 7.019.599 Jumlah Aset Produktif 4.724.077 5.381.832 6.454.386 Pembiayaan yang Diberikan 3.710.720 4.307.132 4.799.486 Investasi pada Surat Berharga 123.650 123.710 113.912 Liabilitas 4.656.884 5.194.071 6.221.030 Dana Pihak Ketiga 3.994.957 4.756.303 5.442.609 Giro 158.006 350.381 391.470 Tabungan 569.912 596.939 712.505 Deposito 3.267.039 3.808.983 4.338.634 Jumlah Ekuitas 503.633 633.083 798.568


Expense (Income) for Estimated Losses on Commitments And Contingencies Other Operating Expenses Profit From Operations Non Operating Expenses - Net Income before Income Tax Expenses Income for The Year Total Comprehensive Income for The Year FINANCIAL RATIOS (%) Capital Adequacy Ratio (CAR) Non performing earning assets and non performing non earning assets to total earning assets and non earning assets Non performing earning assets to total earning assets Allowance for impairment losses on financial assets to earning assets Non Performing Financing (NPF) Gross Non Performing Financing (NPF) Net Return on Asset (ROA) Return on Equity (ROE) Net Return Net Operating Margin Operating Expense to Operating Income Financing to Deposit Ratio (FDR) Quick Ratio Profit Sharing Share to Total Financing

Jumlah Aset (Rp Miliar) Total Asset (Rp Billion)

Pembiayaan (Rp Miliar)

0 7.02

5 5.16

.827

1

201

4

5 201

Financing (Rp Billion)

4.30

6 201

4.79

7

1 3.71 20 4 201

15

9

201

6

ROA 0,76%

Pendapatan Operasional (Rp Miliar) Operating Income (Rp Billion)

Dana Pihak ketiga (Rp Miliar) Third Party Fund (Rp Billion)

3 5.44

6 4.75 1 5 3.99 20 4 201

5

201

672

566

6

503 201

4

201

5

201

6

ROE 5,15%

Ekuitas (Rp Miliar) Equity (Rp Billion)

Laba Tahun Berjalan (Rp Juta) Income for the year (Rp Million)

799

633 504

4 201

FDR 88,18%

5 201

201

32.7

6

NPF GROSS

3,17%

27.7

9 8.49014 2

BOPO 91,76%

78

201

5

10

201

6 NET IMBALAN

3,31%

CAR 17,00% PT Bank Syariah Bukopin Annual Report 2016

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Peristiwa Penting

Significant Event

5 April 2016 Perseroan menerima penghargaan dalam Digital Brand of The Year 2016 peringkat 2 kategori Digital Brand Tabungan Bank Umum Syariah dan peringkat 3 kategori Digital Brand Bank Umum Syariah dari Infobank di Le Meridien Hotel, Jakarta.

25 Februari 2016 Perseroan mengadakan peluncuran tabungan berhadiah “Berkah iB SiAga Berhadiah” di Kantor Pusat, Salemba, Jakarta.

April 5, 2016 The Company accepted an award in Digital Brand of The Year 2016 second rank in the category of Digital Brand of Sharia Commercial Bank Savings and third rank in the category of Digital Brand of Sharia Commercial Bank from Infobank at Le Meridien Hotel, Jakarta.

February 25, 2016 The Company launched prize-linked savings account “Berkah iB SiAga Berhadiah” at the Head Office, Salemba, Jakarta.

26 Februari 2016 Perseroan menyelenggarakan Business Gathering dalam rangka road show sub agen penjualan SUKUK Ritel Seri 008 di Swiss Belinn Saripetojo Hotel, Solo. February 26, 2016 The Company held a Business Gathering for the road show of sub sales agent of Retail Sukuk Series 008 at Swiss Belinn Saripetojo Hotel, Solo

3-6 Maret 2016 Perseroan berpartisipasi dalam acara Keuangan Syariah Fair yang diselenggarakan oleh WG-iB Marcomm dan OJK di Gandaria City, Jakarta, dengan penandatanganan Nota Kesepahaman (MoU) pemanfaatan produk Tabungan Simpanan Pelajar (SimPel) iB dengan SDN Dukuh I dan SDN Dukuh III serta mengenai pemanfaatan produk Jasa Payroll dengan Baraya Travel. March 3-6, 2016 The Company participated in the Keuangan Syariah Fair that was held by the WG-Marcomm and Financial Services Authority at Gandaria City, Jakarta, with the signing of Memorandum of Understanding (MoU) for the utilization of Tabungan Simpanan Pelajar (SimPel) iB product with SDN Dukuh I and SDN Dukuh III as well as the utilization of Payroll Service with Baraya Travel.

23 Maret 2016 Perseroan melaksanakan Rapat Umum Pemegang Saham Tahunan (RUPST) Tahun Buku 2015 di Hotel Balairung, Jakarta. March 23, 2016 The Company held the Annual General Meeting of Shareholders (AGMS) for the period of 2015 at Hotel Balairung, Jakarta.

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27 April 2016 Perseroan menerima penghargaan dalam Top Eksekutif Muslim, Riyanto kategori Korporasi Bisnis dari Ikatan Pengusaha Muslimah Indonesia (IPEMI) bekerjasama dengan Majalah Ibadah di Convention Hall, Gedung SMESCO, Jakarta. April 27, 2016 The Company accepted and award in Muslim Top Executive, Riyanto in the category of Corporate Business from Indonesian Muslim Business Women Association (IPEMI) in cooperation with Ibadah Magazine at the Convention Hall of SMESCO Building, Jakarta.

28 April-1 Mei 2016 Perseroan berpartisipasi dalam acara iB Vaganza “Serunya Ber-Transaksi Syariah” yang diadakan oleh WG-iB Marcomm dan OJK di Summarecon Mal Bekasi, dengan penandatanganan Nota Kesepahaman (MoU) pemanfaatan produk Tabungan SimPel iB dengan SD Islam Al-Anshar dan SDN Margahayu XIV serta pemanfaatan jasa Syariah Bukopin Cash Management (SBCM) dengan PT Sarana Andalan Elektrika. April 28 - May 1, 2016 The Company participated in the iBVaganza event “SerunyaBer-TransaksiSyariah” that was held by WGiB Marcomm and the Financial Services Authority at the Summarecon Mal Bekasi, with the signing of Memorandum of Understanding regarding the utilization of Tabungan SimPel iB product with SD Islam Al-Anshar and SDN Margahayu XIV as well as the utilization of SyariahBukopin Cash Management (SBCM) services with PT Sarana Andalan Elektrika.

12-15 Mei 2016 Perseroan berpartisipasi dalam acara Keuangan Syariah Fair yang diselenggarakan oleh WG-iB Marcomm dan OJK di Royal Plaza, Surabaya, dengan penandatanganan Nota Kesepahaman (MoU) pemanfaatan produk Tabungan SimPel iB dengan SD Al-Falah, pemanfaatan jasa Payroll dan Pick-up Service dengan Rumah Sakit Al-Irsyad, Autodebet SPP dengan Kelompok Bermain RA Perwanida dan Pemanfaatan produk Jasa Payroll dengan Radio Suara Muslim FM. May 12-15, 2016 The Company participated in the Islamic Financial Fair organized by WG-iB Marcomm and Financial Services Authority in the Royal Plaza, Surabaya, with the signing of a Memorandum of Understanding (MoU) for the use of products SimPel iB with SD Al-Falah, utilization of Payroll services and Pick-up Service at Al-Irsyad Hospital, Autodebet SPP with RA Perwanida preschool and product utilization Payroll Services with Suara Muslim FM Radio.

15-19 Mei 2016 Perseroan berpartisipasi dalam acara Islamic Development Bank (IDB) untuk memperkenalkan produk Tabungan BSB dan program tabungan berhadiah BSB di Jakarta Convention Centre, Jakarta. May 15-19, 2016 The Company participated in the Islamic Development Bank event to introduce BSB Savings products and BSB prize-linked savings program at Jakarta Convention Centre, Jakarta.

18 Mei 2016 Perseroan melaksanakan Penandatanganan Perjanjian Kerja Sama dengan PT Bank Bukopin Tbk. mengenai Layanan Syariah Bank (LSB) di Kantor Pusat, Salemba, Jakarta. May 18, 2016 Company executing Signing Cooperation Agreement with PT Bank Bukopin Tbk. about Sharia Services Bank (LSB) at the Head Office, Salemba, Jakarta.

19-22 Mei 2016 Perseroan berpartisipasi dalam acara iB Vaganza “Serunya Ber-Transaksi Syariah” yang diadakan oleh WG-iB Marcomm dan OJK di Plaza Andalas, Padang, dengan penandatanganan Nota Kesepahaman (MoU) pemanfaatan produk Tabungan SimPel iB dengan SMP N 1 Tilatang Kamang, dan Yayasan H. Muhammad Nadis dan pemanfaatan jasa Payroll dengan Rumah Mode Vee House. May 19-22, 2016 The Company participated in the iB Vaganza event “Serunya Ber-Transaksi Syariah” which was held by WG-iB Marcomm and Financial Services Authority at Plaza Andalas, Padang, by signing a Memorandum of Understanding regarding the utilization of Tabungan SimPel iB product with SMP N 1 Tilatang Kamang and H. Muhammad Nadis Foundation, as well as the utilization of payroll service with the “Vee House” House of Fashion.

2 Juni 2016 Perseroan menerima penghargaan dalam Banking Service Excellence Awards 2016 peringkat 1 kategori Best ATM Islamic Commercial Bank yang diselenggarakan oleh Infobank bekerjasama dengan MRI (Marketing Research Indonesia) di Hotel Shangri La, Jakarta. June 2, 2016 The Company accepted an award in Banking Service Excellence Awards 2016, first rank in the category of Best ATM Islamic Commercial Bank which was held by Infobank in cooperation with Marketing Research Indonesia (MRI) at Hotel Shangri La, Jakarta.

4-7 Agustus 2016 Perseroan berpartisipasi dalam acara Keuangan Syariah Fair yang diselenggarakan oleh WG-iB Marcomm dan OJK di Summarecon Mal Serpong, Tangerang, dengan penandatanganan Nota Kesepahaman (MoU) pemanfaatan produk Tabungan SimPel iB dengan TK Bina Prima School, TK Bina Cendikia, dan SD Bina Cendikia, pemanfaatan produk jasa Payroll dengan Yayasan Bina Cendikia dan Co-Branding dengan Universitas Muhammadiyah Tangerang. August 4-7, 2016 The Company participated in the Keuangan Syariah Fair event which was held by the WG-iB Marcomm and Financial Services Authority at Summarecon Mal Serpong, Tangerang, by signing Memorandum of Understanding (MoU) regarding the utilization of Tabungan SimPel iB product with TK Bina Prima, TK Bina Cendekia, dan SD Bina Cendikia, utilization of Payroll service product with Bina Cendikia Foundation and Co-Branding with Muhammadiyah University of Tangerang.

7 Juni 2016 Perseroan melakukan penarikan tabungan berhadiah “Berkah iB SiAga Berhadiah” periode pertama di Kantor Pusat, Salemba, Jakarta.

June 7, 2016 The Company conducted a prize withdrawal for first period of Prize-Linked savings account “Berkah iB SiAga Berhadiah” at the Head Office, Salemba, Jakarta.

25 Mei 2016 Perseroan menerima penghargaan dalam The 12th Islamic Finance Award peringkat 1 kategori The Most Efficient Islamic Full Fledge Bank, peringkat 1 kategori The Most Prudent Islamic Full Fledge Bank, peringkat 1 kategori The Most Profitable Islamic Full Fledge Bank, dan peringkat 2 kategori The Best Islamic Full Fledge Bank : Equity Rp100 Bn–1 Tn (BUKU 1) dari Karim Business Consulting di The Ice Palace - Concert Hall Lotte Shopping Avenue, Kuningan, Jakarta. May 25, 2016 The Company accepted an award in the 12th Islamic Finance Award first rank in the category of The Most Efficient Islamic Full Fledge Bank, first rank in the category of The Most Prudent Islamic Full Fledge Bank, first rank in the category of The Most Profitable Islamic Full Fledge Bank, and second rank in the category of The Best Islamic Full Fledge Bank : Equity Rp100 Bn–1 Tn (BUKU 1) from Karim Business Consulting at The Ice Palace - Concert Hall Lotte Shopping Avenue, Kuningan, Jakarta.

5 Agustus 2016 Perseroan melaksanakan penandatanganan MoU bekerja sama dengan PP Muhammadiyah untuk menjadi mitra dalam pemanfaatan jasa layanan dan produk perbankan syariah melalui sistem integrasi keuangan atau cash management di Kantor PP Muhammadiyah, Menteng, Jakarta.

24 Juni 2016 Perseroan menyelenggarakan Buka Puasa bersama Karyawan area Jakarta di Kantor Pusat, Salemba, Jakarta. June 24, 2016 The Company held Break Fasting Together with the employees of Jakarta area at the Head Office, Salemba, Jakarta.

13 Juli 2016 Perseroan menyelenggarakan Halal Bihalal karyawan area Jakarta di Kantor Pusat, Salemba, Jakarta. July 13, 2016 The Company held Eid al-Fitr gathering (Halal Bihalal) with empoyees of Jakarta area at the Head Office, Salemba, Jakarta.

August 5, 2016 The Company signed a Memorandum of Understanding in collaboration with PP Muhammadiyah to became partners in utilizing sharia banking services and products through financial integration system or cash management at PP Muhammadiyah Office, Menteng, Jakarta.

25 Agustus 2016 Perseroan menerima penghargaan dalam “Infobank Award 2016” peringkat “Sangat Bagus” kategori Bank Aset Rp5 Triliun ke atas yang diselenggarakan oleh Infobank bekerjasama dengan MRI (Marketing Research Indonesia) di Royal Ambarrukmo Hotel, Yogyakarta. August 25, 2016 The Company received an award in the “Infobank Award 2016” with the rating “Very Good” in the category of Bank with Assets of more than 5 Trillion Rupiah, which was held by Infobank in cooperation with Marketing Research Indonesia (MRI) at Royal Ambarrukmo Hotel, Yogyakarta.


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Peristiwa Penting Significant Event

20 September 2016 Perseroan melaksanakan penandatanganan MoU mengenai penggunaan jasa dan produk perbankan berdasarkan prinsip syariah antara Perseroan dengan Universitas Gadjah Mada di Gedung Graha Sabha Pramana, Universitas Gadjah Mada, Yogyakarta.

31 Agustus 2016 Perseroan melaksanakan acara launching Mobil Kas Keliling Perseroan Cabang Makassar serta turut memperkenalkan produk Tabungan BSB dan program tabungan berhadiah BSB di Makassar.

September 20, 2016 Company implemented the MoU signing of the use of services and banking products based on sharia principles between the Company and the University of Gadjah Mada in Gedung Graha Sabha Pramana, Gadjah Mada University, Yogyakarta.

August 31, 2016 The Company held a launching of Mobile Cash Car for Makassar Branch as well as introducing Tabungan BSB product and BSB’s prize-linked savings account in Makassar.

4 September 2016 Perseroan memperingati Hari Pelanggan Nasional (Harpelnas), dengan memberikan pelayanan ekstra (Service Day) kepada nasabah di seluruh outlet BSB. September 4, 2016 Company celebrate National Customer (Harpelnas), by providing extra services (Service Day) to customers across the outlet of BSB.

7 September 2016 Perseroan menerima penghargaan dalam Indonesia Banking Award 2016 kategori “The Best Bank in Retail Banking Service” yang diselenggarakan oleh Tempo Media Group dan Indonesia Banking School (IBS) di JS Luwansa Hotel, Jakarta. September 7, 2016 The Company received the award in the Indonesia Banking Award 2016 category "The Best Bank in Retail Banking Services" organized by Tempo Media Group and Indonesia Banking School (IBS) in JS Luwansa Hotel, Jakarta.

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29 September 2016 Perseroan menerima penghargaan dalam Global Islamic Finance Award 2016 (GIFA) kategori Best Social Media Campaign Award 2016 dari Committee of Global Islamic Finance Award yang diselenggarakan oleh Ebiz Corporation di Fairmont Hotel, Jakarta. September 29, 2016 The Company received an award in the 2016 Global Islamic Finance Award (GIFA) category Best Social Media Campaign Award 2016 of the Committee of the Global Islamic Finance Award held by Ebiz Corporation in the Fairmont Hotel, Jakarta.

30 September 2016 Perseroan menerima penghargaan dalam Infobank Sharia Finance Award peringkat “Sangat Bagus” atas Kinerja Keuangan selama Tahun 2015 kategori Bank Umum Syariah Terbaik dari Infobank di Intercontinental Mid Plaza, Jakarta. September 30, 2016 Company received the award in Infobank Sharia Finance Award rating of "Very Good" on Financial Performance for the Year of 2015 for category the Best Islamic Banks of Infobank in Intercontinental Mid Plaza Hotel, Jakarta.

7 Oktober 2016 Perseroan melakukan penarikan tabungan berhadiah “Berkah iB SiAga Berhadiah” periode kedua di Kantor Pusat, Salemba, Jakarta. October 7, 2016 The Company conducted a prize withdrawal for second period of Prize-Linked savings account “Berkah iB SiAga Berhadiah” at the Head Office, Salemba, Jakarta.

13 Oktober 2016 Perseroan menerima penghargaan dalam Anugerah Perbankan Indonesia V-2016 peringkat 1 kategori BUKU 1 Syariah, peringkat 1 Finance, peringkat 1 GCG, peringkat 2 Risk Management, peringkat 2 Legal, peringkat 3 Human Capital, peringkat 1 Marketing, peringkat 2 Information Technology, peringkat 1 CSR, dan peringkat 1 Corporate Communication dari Perbanas Institute bekerja sama dengan Majalah Economic Review di Balai Kartini, Jakarta. October 13, 2016 The Company received award in the “AnugerahPerbankan Indonesia V-2016” first place in the category of BUKU 1 Sharia, first place in the category of Finance, first place in the category of Good Corporate Governance, second place in the category of Risk Management, second place in the category of Legal, third place in the category of Human Capital, first place in the category of Marketing, second place in the category of Information Technology, first place in the category of Corporate Social Responsibility, and first place in the category of Corporate Communication from Perbanas Institute in cooperation with the Economic Review Magazine at Balai Kartini, Jakarta.

19 Oktober 2016 Perseroan menerima penghargaan dalam Bisnis Indonesia Banking Award 2016 peringkat Most Efficient Bank dan Best Performance Bank Kategori Bank Syariah dari Bisnis Indonesia di JW Marriott, Jakarta. October 19, 2016 The Company received awards in Bisnis Indonesia Banking Award rated Most Efficient Bank and Best Performance Bank in the Category of Sharia from Bisnis Indonesia at JW Marriott, Jakarta.

20-23 Oktober 2016 Perseroan berpartisipasi dalam acara Keuangan Syariah Fair yang diselenggarakan oleh WG-iB Marcomm dan OJK di Mall Ratu Indah, Makassar, dengan penandatanganan Nota Kesepahaman (MoU) pemanfaatan produk Tabungan SimPel iB dengan SMP Nasional Makassar, pemanfaatan produk jasa Payroll dengan New Shogun Japanese Restoran dan Kapoposang Island Resort, dan pemanfaatan produk Tabungan iB SiAga Rencana Umroh dengan Triny Tour an Travel dan Phinisi Travel Haji dan Umroh. October 20-23, 2016 The Company participated in the Keuangan Syariah Fair that was held by WG-iB Marcomm and Financial Services Authority at Mall Ratu Indah, Makassar, by signing a Memorandum of Understanding regarding the utilization of Tabungan SimPel iB with SMP Nasional Makassar, utilization of Payroll services product with New Shogun Japanese Restaurant and Kapoposang Island Resort, and the utilization of Tabungan iB SiAga Rencana Umroh product with Triny Tour and Travel as well as Phinisi Travel Haji and Umroh.

10-13 November 2016 Perseroan berpartisipasi dalam acara iB Vaganza “Serunya Ber-Transaksi Syariah” yang diadakan oleh WG-iB Marcomm dan OJK di Big Mall, Samarinda, dengan penandatanganan Nota Kesepahaman (MoU) pemanfaatan produk SD Muhammadiyah 1 Samarinda dan SD Muhammadiyah 2 Samarinda (Payroll dan Tabungan iB SiAga Bisnis), SD Muhammadiyah 5 Samarinda (Tabungan SimPel iB, Tabungan iB SiAga Bisnis, Payroll dan Pembiayaan Musyarakah), SMP Muhammadiyah 1 Samarinda (Tabungan SimPel iB dan Payroll), SMK Muhammadiyah 1 Samarinda (Tabungan SimPel iB, Tabungan iB SiAga Bisnis, dan Payroll), SMA Negeri 11 Samarinda (Tabungan SimPel iB) dan Travel Arminareka mengenai Tabungan iB SiAga Rencana Umroh. November 10-13, 2016 The Company participated in the iBVaganza “Serunya Ber-Transaksi Syariah” event which was held by WG-iB Marcomm and Financial Services Authority at Big Mall, Samarinda, by signing Memorandum of Understanding regarding the utilization of products with SD Muhammadiyah 1 Samarinda and SD Muhammadiyah 2 Samarinda (Payroll and Tabungan iB SiAga Bisnis), SD Muhammadiyah 5 Samarinda (Tabungan SimPel iB, Tabungan iB SiAga Bisnis, Payroll and Musyarakah Financing), SMP Muhammadiyah 1 Samarinda (Tabungan SimPel iB and Payroll), SMK Muhammadiyah 1 Samarinda (Tabungan SimPel iB, Tabungan iB SiAga Bisnis, and Payroll), SMA Negeri 11 Samarinda (Tabungan SimPel iB) and Travel Arminareka regarding Tabungan iB SiAga Rencana Umroh.

7 Desember 2016 Perseroan menerima penghargaan dalam Indonesia Good Corporate Governance Award II 2016 peringkat GCG Terbaik Bank Syariah di Indonesia Predikat dengan predikat sangat baik untuk kategori sektor keuangan bank BUKU 1 dari Majalah Economic Review, di Balai Kartini, Jakarta. December 7, 2016 The Company received award in Indonesia Good Corporate Governance Award II 2016 rated The Best Good Corporate Governance of Sharia Bank in Indonesia with a rate of very good for the category of bank financial sector BUKU 1 from the Economic Review Magazine at Balai Kartini, Jakarta.

13 Desember 2016 Perseroan melaksanakan Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) di Kantor Pusat, Salemba, Jakarta. December 13, 2016 The Company held Extraordinary General Meeting on Shareholders (EGMS)) in Head Office, Salemba, Jakarta.

27-30 Oktober 2016 Perseroan berpartisipasi dalam acara Indonesia Sharia Economic Festival (ISEF) III 2016 yang dilaksanakan di Grand City Convention Center, Surabaya. October 27-30, 2016 The Company participated in the Indonesia Sharia Economic Festival (ISEF) III 2016 which was held at Grand City Convention Center, Surabaya.

7 Desember 2016 Perseroan menyelenggarakan acara Silaturahmi Pemegang Saham di Ruang Prambanan, Hotel Grand Sahid Jaya, Jakarta. December 7, 2016 The Company held a Shareholders Gathering Event at Prambanan Room, Hotel Grand Sahid Jaya, Jakarta.

17-18 Desember 2016 Perseroan menyelenggarakan kegiatan Employee Gathering dalam rangka Milad BSB ke-8 di Royal Safari Garden, Bogor. December 17-18, 2016 The Company held an Employee Gathering Event to celebrate BSB’s 8th Anniversary at Royal Safari Garden, Bogor.


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Laporan Komisaris Utama

President Commissioner Report

Menjaga Kesinambungan Maintaining Continuity

Ketidakpastian ekonomi akan berdampak pada bisnis dan meningkatnya risiko. Agar bisnis tetap tumbuh berkesinambungan, Perseroan terus meningkatkan tata kelola perusahaan yang baik. Economic uncertainty will affect the business and the increase of risk. In order to maintain the continuity of business growth, the Company will keep improving a good corporate governance.

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Assalamu’alaikum Warahmatullahi Wabarakatuh

P

ara Pemegang Saham dan Pemangku Kepentingan yang kami hormati,

Segala puji bagi Allah SWT Yang Maha Pengasih. Serta, shalawat dan salam semoga senantiasa melimpah atas Rasul-Nya, Muhammad SAW. Atas berkat-Nya yang dilimpahkan, di tengah kondisi yang penuh tantangan dan ketidakpastian, PT Bank Syariah Bukopin (Perseroan) berhasil membukukan kinerja yang positif hingga akhir 2016.


D

ear all Shareholders and Stakeholders whom we respect,

All praise to Allah SWT The Most Beneficiary. May blessing and peace be with His Holy Prophet, Muhammad SAW. For His abundant Blessing in this uncertain and challenging condition, so that PT Bank Syariah Bukopin (the Company) successfully post a positive performance until the end of 2016.

Bersama ini, izinkan kami untuk menyampaikan laporan pelaksanaan tugas pengawasan Dewan Komisaris atas kinerja operasional Perseroan untuk tahun buku 2016. Laporan ini sebagai bentuk transparansi dan akuntabilitas kepada seluruh pemegang saham dan pemangku kepentingan yang terkait.

Herewith, allow us to deliver the monitoring duty implementation report of the Board of Commissioners regarding the operational performance of the Company in 2016. This report is a form of transparency and accountability to the entire related shareholders and stakeholders.

Penilaian Terhadap Kinerja Perseroan Perekonomian global dan domestik sepanjang 2016, masih dibayangi ketidakpastian dan perlambatan. Tentu saja hal ini berdampak pada bisnis industri perbankan nasional, termasuk perbankan syariah.

Assessment of the Company’s Performance Global and domestic economy in 2016 are still overshadowed by uncertainty and deceleration. Of course, this affect the business of national banking industry, including sharia banking.

Di tengah ketidakpastian dan perlambatan yang terjadi, Perseroan mampu membukukan kinerja yang positif dan tumbuh secara berkesinambungan. Dewan Komisaris

Amidst the economic uncertainty and deceleration, the Company is able to post a positive performance and manages to grow continuously. The Board of


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Laporan Komisaris Utama President Commissioner Report

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mengapresiasi pencapaian yang berhasil diraih sepanjang 2016.

Commissioners appreciate the accomplishments that were successfully achieved in 2016.

Sepanjang 2016, Perseroan berhasil menumbuhkan bisnisnya secara baik. Perseroan membukukan laba bersih senilai Rp32,71 miliar atau tumbuh 17,76% dibandingkan periode yang sama tahun sebelumnya, atau mencapai 86,38% dari rencana bisnis bank (RBB). Pertumbuhan laba ini didukung peningkatan total aset sebesar 20,46% atau Rp1,19 triliun.

Throughout 2016, the Company is able to grow its business well. The Company is able to record a net profit as much as Rp32.71 billion or a 17.76% growth compared to the same period in the previous year or reaching 86.38% of the Bank’s Business Plan. This growth of profit is supported by the increase of total asset as much as 20.46% or Rp1.19 trillion.

Sementara itu, penyaluran pembiayaan yang dilakukan Perseroan mengalami peningkatan sebesar 11,43%, atau menjadi sebesar Rp4,80 triliun. Sedangkan, dana pihak ketiga (DPK) naik 14,43%, atau meningkat menjadi sebesar Rp5,44 triliun. Untuk posisi Capital Adequacy Ratio (CAR) sebesar 17,00%, Financing to Deposit Ratio (FDR) 88,18%, dan Non Performing Financing (NPF) gross 3,17%.

Meanwhile, financing distribution that has been done by the Company have increased as much as 11.43% or have grown up to Rp4.80 trillion. Furthermore, third party funds has increased as much as 14.3% or has increased to as much as Rp5.44 trillion. As for the position of CAR is 17.00%, FDR is 88.18%, and NPF gross is 3.17%.

Dewan Komisaris juga ingin menyampaikan apresiasi kepada Direksi atas strategi usaha yang dijalankan dalam pengembangan pelayanan serta fokus pada segmen bisnis tertentu yang potensial. Hasil-hasilnya dapat dilihat dari pertumbuhan pendapatan pembiayaan dan fee based income.

The Board of Commisioners also would like to express appreciation to the Board of Directors on strategic in order to develop services and focus on a specific potential business segment. The results can be seen from the growth in financing income and fee-based income

Peran Komite-Komite di bawah Dewan Komisaris Dalam tahun 2016, seluruh komite yang berada di bawah Dewan Komisaris telah menjalankan peran dan fungsinya dengan baik, dan sesuai dengan ketentuan tata kelola perusahaan. Dalam praktiknya, masing-masing komite secara berkala telah melakukan rapat untuk membahas program kerja dan/atau me-review aturan-aturan pada Perseroan untuk selanjutnya disesuaikan dengan tuntutan kondisi terkini di industri perbankan syariah.

Role of Committees Under the Board of Commissioners Throughout 2016, the entire committee under the Board of Commissioners have conducted their role and function well and in accordance with good corporate governance stipulation. In their practice, each committee have regularly held meetings to discuss work program and/or to review regulations in the Company to furthermore be adjusted with the demand of the most recent situation in the sharia banking industry.

Pada masa mendatang, Dewan Komisaris terus berkomitmen mendorong optimalisasi peran sekaligus kinerja seluruh komite yang berada di bawahnya. Dengan tujuan untuk memberikan dukungan dan kontrol kepada Direksi secara kesinambungan dan menjadi semakin berkualitas.

In the future, the Board of Commissioners continues to be committed and always encourage the optimization of role and performance of the entire committees below. With the aim to provide support and control of the Board of Directors of sustainability and become more qualified

Penerapan Tata Kelola Perusahaan Penerapan prinsip-prinsip tata kelola perusahaan yang baik atau Good Corporate Governance (GCG) menjadi fokus utama Dewan Komisaris bersama Direksi dalam menjalankan fungsi dan tugasnya. Dewan Komisaris menilai, sepanjang 2016, penerapan prinsip-prinsip GCG pada Perseroan telah berjalan dengan baik dan terus mengalami perbaikan dari segi kualitas. Hasilnya, Perseroan mendapatkan peringkat yang baik. Dewan Komisaris terus menekankan pentingnya langkah-langkah penguatan dan penyempurnaan dalam implementasi GCG pada setiap aspek kegiatan Perseroan, mulai dari level paling bawah hingga atas.

Implementation of Good Corporate Governance The implementation of Good Corporate Governance (GCG) principles have become the main focus of the Board of Commissioners and the Board of Directors in conducting their function and duties. The Board of Commissioners assess, throughout 2016, the implementation of GCG principles in the Company have been going well and have been improving in terms of quality. As the result, the Company earns a good ranking. The Board of Commissioners keeps emphasizing the importance of strengthening and improvement steps in GCG implementation in every aspect of the Company’s activities, starting from the lowest level to the top level.


Fungsi dan tugas Dewan Komisaris di samping melakukan pengawasan dalam hal pelaksanaan tugas Direksi juga melakukan pengawasan dengan penerapan prinsip syariah. Tugas ini dilakukan bersama dengan Dewan Pengawas Syariah (DPS). Kami mencatat bahwa penerapan prinsip syariah telah memenuhi ketentuan yang sesuai dengan fatwa yang dibakukan oleh Dewan Syariah Nasional (DSN).

Other than monitoring the implementation of the Board of Directors’ duties, the Board of Commissioners also have the function and duty to conduct monitoring in the implementation of sharia principles. This duty is conducted together with the Sharia Supervisory Board. We noted that the implementation of sharia principles have comply with regulations that are in accordance with fatwa which are standardized by the National Sharia Board.

Pada saat ini semua perangkat dan struktur organisasi telah berjalan dan berfungsi dengan baik, dengan upaya perbaikan yang terus menerus dilakukan.

In the mean times all the devices and the organizational structure has been running and functioning properly, with the improvement efforts should be continued.

Penambahan Modal PT Bank Bukopin, Tbk berkomitmen dalam mengembangkan perbankan syariah. Oleh karena itu, PT Bank Bukopin, Tbk menjelang akhir tahun 2016 melakukan penambahan modal dengan mengeluarkan saham Seri C baru dari portepel Perseroan sejumlah 2.000.000.000 (dua miliar) saham masing-masing dengan nilai nominal Rp50,- (lima puluh rupiah), sehingga seluruhnya dengan nilai nominal sebesar Rp100.000.000.000,- (seratus miliar rupiah), yang ditawarkan kepada pemegang saham existing dengan jumlah proporsional sebesar kepemilikan saham masingmasing dalam Perseroan.

Capital Increase PT Bank Bukopin, Tbk is committed in developing Sharia banking. Therefore, PT Bank Bukopin, Tbk towards the end of 2016 made additional capital by issuing new shares of Series C of the portfolio of the Company amount to 2,000,000,000 (two billion) shares each with a nominal value of Rp50, - (fifty rupiah) so entirely with a nominal value of Rp100,000,000,000, - (one hundred billion rupiah), which is offered to the existing shareholders with a proportionate amount of share ownership in the Company respectively.

Penambahan modal bertujuan untuk mendukung rencana pengembangan usaha dengan membiayai kegiatan usaha dan/atau investasi Perseroan bila diperlukan yang tidak bertentangan dengan prinsipprinsip syariah. Dengan adanya penambahan modal tersebut, porsi saham terbesar yang dimiliki PT Bank Bukopin Tbk, naik menjadi 90,669%.

Capital increase aims to support the business expansion plan to fund operations and / or the Company's investment when needed which do not conflict with sharia principles. With the capital increase, then so that the composition of the Company's largest shareholder owned PT Bank Bukopin Tbk, increase to 90.669%.

Prospek 2017 Berbagai upaya dan kebijakan terus ditempuh segenap pemangku kebijakan di negeri ini. Hal ini dilakukan dalam rangka mendorong pertumbuhan ekonomi. Melihat kondisi dan peluang yang ada ke depan, Dewan Komisaris memiliki keyakinan bahwa Perseroan akan mampu membukukan pertumbuhan positif pada tahun 2017. Secara finansial dan strategi Perseroan sudah berjalan dengan baik dan tepat, yang tercermin dari sustainability pertumbuhan Perseroan dalam periode lima tahun terakhir.

Prospect in 2017 Various efforts and policies have been taken by the entire stakeholders in this country. This is done in order to push economic growth. Seeing the condition and opportunities in the future, the Board of Commissioners have faith that the Company will be able to record a positive growth in 2017. The Company’s financial and strategy have been running well and properly, which is reflected from the Company’s growth sustainability in the last five years period.

Pada 2017, kami mendorong penguatan prinsip kehatihatian dan prinsip syariah. Demikian juga dalam melakukan penetrasi market, likuiditas, menjaga tingkat kesehatan bank dan pengembangan Sumber Daya Insani (SDI). Kami juga mendukung pengembangan jasa retail maupun korporasi dan institusi, untuk mendorong pertumbuhan pendapatan dari jasa-jasa (fee based income) di luar pendapatan bagi hasil, nisbah, dan margin dari pembiayaan.

In 2017, we encourage the strengthening of prudential principles and sharia principles, as well as in performing market penetration, liquidity, maintaining the Bank’s health level, and human resources development. We also encourage the development of retail services as well as corporation and institution, to drive revenue growth from services (fee based income), other than profit share income, nisbah, and financing margin.


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Laporan Komisaris Utama President Commissioner Report

16 |

Rekomendasi dan Saran Pertama, kekuatan SDI harus menjadi tumpuan. Dewan Komisaris mendorong Direksi untuk menguatkan SDI dengan berbagai langkah yang lebih fokus, membangun kompetensi di bidang yang memiliki segmentasi.

Recommendations and Suggestions First, the strength of human resources must be a pedestal. Board of Commisioners encourage the directors to strengthen human resources with various measures more focused, build competencies in fields that have segmentation.

Kedua, rencana pada tahun mendatang cukup menantang. Jadi, Dewan Komisaris memberikan catatan bahwa hal ini harus disertai dengan penguatan teknologi pendukungnya. Ketiga, penetrasi pasar harus dikemas dengan strategi yang tepat.

Second, the plan in the coming years is quite challenging. Thus, The Board of Commisioners notes that this must be accompanied by a strengthening of the supporting technology. Third, market penetration should be packaged with the right strategy.

Sebagai sebuah bank syariah yang berada pada posisi kelas menengah, menjadi penting untuk memiliki niche market. Niche market yang sudah ada, harus bisa dikembangkan lagi. Potensi yang ada di jaringan niche market yang sudah dimiliki seperti Muhammadiyah harus dapat dikembangkan ke individu-individu yang terlibat seperti tenaga profesional, orang tua murid, dan lingkungan-lingkungan amal usaha.

As an sharia bank in the position of the middle class, it becomes important to get a niche market. Niche market existing ones, should be developed. The potential that exists in the niche market networks that already owned such as Muhammadiyah should be developed to the individuals involved as professionals, parents, and wards charitable efforts.

Dewan Komisaris menyadari tantangan pada tahun 2017 itu cukup besar. Di samping angka keuangan yang harus dicapai, Perseroan juga perlu mengembangkan costumer base.

The Board of Commissioners, the challenge in 2017 was quite large. In addition to the numbers that must be achieved, the Company also need to develop costumer base.

Hal berikutnya yang jadi arahan dari Dewan Komisaris adalah penguatan struktur organisasi dan pengisian jabatan dengan SDI yang memiliki kompetensi yang memadai. Kekuatan organisasi ini akan meningkatkan tingkat kehati-hatian, dan memperkuat penetrasi bisnis.

The next thing so the direction of the Board of Commissioners is to strengthen the organizational structure and must be people who have the sufficient competence. The strength of this organization is going to increase the level of prudence, and strengthen bussiness penetration.

Salah satu misi perbankan syariah adalah mendorong pemahaman masyarakat atas prinsip-prinsip syariah. Untuk itu, Dewan Komisaris terus mendukung program CSR yang terkait tema syariah yang dijadwalkan oleh Direksi. Diharapkan dampak dari peningkatan pemahaman masyarakat terhadap prinsip-prinsip syariah dapat membangun citra Perseroan sebagai sebuah bank pilihan.

One of the missions in the sharia banking community in promoting understanding of the principles of sharia. Therefor, the Board of Commisioners continues to support CSR programs related to the theme of sharia that are scheduled by the Board of Directors. The expected impact of the increased public awareness of the principles of sharia could to bring up the image of the Company as a bank of choice.

Apresiasi Dewan Komisaris Dewan Komisaris mengucapkan apresiasi dan terima kasih kepada para pemegang saham dan pemangku kepentingan atas kepercayaan yang diberikan selama ini. Apresiasi juga kami tujukan kepada Dewan Pengawas Syariah atas sinergi yang semakin solid dan pengarahan yang diberikan. Selain itu, apresiasi dan terima kasih juga kami sampaikan kepada Direksi dan segenap karyawan yang telah bekerja keras dan berkontribusi bagi kemajuan Perseroan.

Appreciation of the Board of Commissioners The Board of Commissioners express our appreciation and gratitude to the shareholders and stakeholders for the trust they have given all this time. We also give our appreciation to the Sharia Supervisory Board for their solid synergy and directions. Furthermore, we also convey our appreciation and gratitude to the Board of Directors and to all employees that have been working hard and have been contributing for the advancement of the Company.


Semoga Allah SWT memberikan kemudahan dan keberkahan bagi kita semua dalam mewujudkan cita-cita kita bersama. Aamiin.

May Allah SWT gives ease and blessings to us all in actualizing our goals. Aamiin.

Wabillahi taufik wal hidayah Wassalamu’alaikum warahmatullahi wabarakatuh


Jakarta, 31 Desember 2016 Jakarta, December 31 2016 Atas nama Dewan Komisaris/ On behalf of the Board of Commissioners

Tri Joko Prihanto Komisaris Utama/ President Commissioner


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Laporan Direktur Utama

President Director Report

Terus Tumbuh Berkelanjutan Sustainability Growth

Perekonomian global masih mengalami ketidakpastian dan perlambatan. Walau demikian, Manajemen Perseroan akan terus menjaga kesinambungan bisnis melalui strategi tepat guna. The global economy is still experiencing uncertainty and slowdown. However, the Company will continue to maintain business sustainability through appropriate strategies.

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P

ara pemangku kepentingan dan pemegang saham yang terhormat,


G

reetings to all honorable stakeholders and shareholders,

Segala puji bagi Allah SWT yang Maha Pengasih dan Penyayang. Serta, shalawat dan salam semoga senantiasa melimpah atas Rasul-Nya, Muhammad SAW. Atas berkat-Nya, kerja keras, dan sinergi yang ada, serta kontribusi yang diberikan oleh berbagai pihak, PT Bank Syariah Bukopin (Perseroan) berhasil melewati 2016 dengan baik. Suatu kehormatan bagi kami dapat menyampaikan Laporan Direksi melalui Laporan Tahunan PT Bank Syariah Bukopin Tahun 2016.

All praise to Allah SWT The Most Beneficiary. May blessing and peace be with His Holy Prophet, Muhammad SAW. PT Bank Syariah Bukopin (the Company) has successfully went through 2016. It has been an honor for us to deliver the Board of Directors Report through Annual Report of PT Bank Syariah Bukopin 2016.

Kondisi Perekonomian 2016 Perekonomian dunia yang mengalami perlambatan dan ketidakpastian yang terjadi sejak beberapa tahun terakhir masih berlanjut pada tahun 2016. Perekonomian global yang mengalami perlambatan menghadapi berbagai risiko. Misalnya, perlambatan lebih lanjut di negara berkembang, perubahan besar pada sentimen pasar finansial, stagnasi negara maju, lamanya periode harga rendah untuk komoditas, serta kekhawatiran terhadap efektivitas kebijakan moneter.

Economic Condition in 2016 The world economy is experiencing a slowdown and uncertainty that have occurred since the last few years still continued in 2016. The global economy is experiencing a slowdown encounter various risks. For example, a further slowing in emerging economies, major shifts in financial market sentiment, the stagnation of developed countries, the length of the period of low prices for commodities, as well as concerns about the effectiveness of monetary policy.

Berbagai lembaga global, salah satunya Bank Dunia (World Bank), yang memproyeksikan pertumbuhan global bisa lebih tinggi melakukan pemangkasan proyeksi.

Various global institutions, one of which the World Bank (World Bank), projected global growth could be higher in pruning projection. The World Bank in early January 2016


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Laporan Direktur Utama President Director Report

20 |

Bank Dunia pada awal Januari 2016 memproyeksikan pertumbuhan ekonomi global bisa mencapai 2,9%, namun pada pertengahan tahun dipangkas menjadi 2,4%.

projected global economic growth could reach 2.9%, but in mid-trimmed to 2.4%.

Tentu saja keadaan tersebut berdampak pada perekonomian Indonesia. Pemerintah sebelumnya sempat memproyeksikan perekonomian pada tahun 2016 bisa berjalan lebih cepat, namun pada perjalanannya mengalami sedikit perlambatan. Perekonomian Indonesia sepanjang 2016 menurut data yang dilansir Badan Pusat Statistik (BPS) hanya tumbuh sebesar 5,02%. Sebelumnya, pertumbuhan ekonomi nasional sempat diproyeksikan bisa tumbuh sebesar 5,2%.

Of course, these circumstances have an impact on the Indonesian economy. The previous government had projected the economy in 2016 could run faster, but the journey experienced a slight slowdown. Indonesia’s economy throughout 2016, according to data reported by the Central Statistics Agency only grew by 5.02%. Earlier, national economic growth was projected to grow by 5.2%

Namun demikian, pertumbuhan Indonesia pada tahun 2016 lebih tinggi dibandingkan dengan capaian pada tahun 2015 sebesar 4,88%. Dari sisi produksi, pertumbuhan tertinggi dicapai oleh lapangan usaha jasa keuangan dan asuransi sebesar 8,90%. Dari sisi pengeluaran, pertumbuhan tertinggi dicapai oleh komponen pengeluaran konsumsi lembaga non-profit yang melayani rumah tangga sebesar 6,62%.

However, Indonesia’s economic growth in 2016 was higher than the achievement in 2015 amounted to 4.88%. On the production side, the highest growth achieved by the undertaking of insurance and financial services by 8.90%. On the expenditure side, the highest growth achieved by consumption expenditure component of non-profit institutions erving households amounted to 6.62%.

Kinerja Perseroan 2016 Kondisi perekonomian yang mengalami perlambatan tentu berdampak pada perkembangan industri perbankan di Tanah Air, termasuk perbankan syariah. Meski berpengaruh terhadap industri perbankan syariah, industri perbankan syariah nasional masih membukukan kinerja positif sepanjang 2016.

The Company’s Performance in 2016 Deceleration of economic conditions would impact on the development of the banking industry in the country, including sharia banking. Although the effect on the sharia banking industry, national sharia banking industry still posted a positive performance throughout 2016.

Pada tahun 2016, total aset perbankan syariah tumbuh sebesar 20,33% secara year to year (yoy) atau menjadi Rp356,50 triliun. Sedangkan, untuk pencapaian laba, industri perbankan syariah membukukan pertumbuhan laba sebesar 17,33%, atau menjadi sebesar Rp2,10 triliun.

In 2016, total sharia banking assets grew by 20.33% in the year to year (yoy) or become Rp356.50 trillion. Whereas, for the achievement of profit, the sharia banking industry posted a profit growth of 17.33%, or increased to Rp2.10 trillion.

Sementara itu, untuk penyaluran pembiayaan sepanjang 2016, mengalami peningkatan sebesar 16,40%, atau menjadi sebesar Rp249,09 triliun. Dan, dana pihak ketiga (DPK) tumbuh sebesar 20,83%, atau meningkat menjadi Rp279,34 triliun.

Meanwhile, for the finance portfolio throughout 2016, an increase of 16.40%, or at Rp249.09 trillion. And, third party funds grew by 20.83%, or increased to Rp279.34 trillion.

Demikian juga dengan kinerja Perseroan pada tahun 2016. Dengan berbagai upaya dan strategi, Perseroan mampu membukukan kinerja positif di tengah perlambatan dan ketidakpastian ekonomi. Perseroan berhasil menumbuhkan bisnisnya secara baik. Perseroan membukukan laba bersih senilai Rp32,71 miliar atau tumbuh 17,76% dibandingkan periode yang sama tahun sebelumnya. Pertumbuhan laba ini didukung peningkatan total aset sebesar 20,46% atau menjadi Rp7,02 triliun.

And so does the Company’s performance in 2016. With the various efforts and strategies, the Company was able to record a positive performance amid economic slowdown and uncertainty. The Company managed to grow the business as well. The Company recorded income for the year is Rp32.71 billion, or an increase of 17.76% over the same period in the previous year. This earnings growth supported by increased total assets by 20.46% or Rp7.02 trillion.


Dengan berbagai upaya dan strategi, Perseroan mampu membukukan kinerja positif di tengah perlambatan dan ketidakpastian ekonomi. With the various efforts and strategies, the Company was able to record a positive performance amid economic slowdown and uncertainty

Sementara itu, penyaluran pembiayaan yang dilakukan Perseroan mengalami peningkatan sebesar 11,43%, atau menjadi sebesar Rp4,80 triliun. Sedangkan, dana pihak ketiga naik 14,43%, atau meningkat menjadi sebesar Rp5,44 triliun. Untuk posisi capital adequacy ratio (CAR) sebesar 17,00%, funding to deposit ratio (FDR) 88,18%, dan non performing financing (NPF) gross sebesar 3,17%.

Meanwhile, the distribution of financing conducted by the Company increased by 11.43%, or at Rp4.80 trillion. Moreover, third party funds rose 14.43%, or increased to Rp5.44 trillion. To position the capital adequacy ratio (CAR) of 17.00%, funding to deposit ratio (FDR) 88.18%, and non-performing financing (NPF) gross amounted to 3.17%.

Untuk mencapai kinerja bisnis yang baik, Perseroan menerapkan berbagai strategi. Mulai dari peningkatan kualitas pelayanan, sumber daya insani (SDI), hingga memilih fokus bisnis yang tepat.

To achieve better business performance, the Company is implementing a strategy. Ranging from improved quality of care, human resources, to choose the right business focus.

Dari segi pelayanan, Perseroan terus berupaya melakukan optimalisasi di Layanan Syariah Bank (LSB) hingga pengembangan layanan melalui electronic banking (e-banking). Terkait peningkatan kualitas SDI, Perseroan melakukan berbagai program pendidikan dan pelatihan.

In terms of services, the Company continue to make optimization in Sharia Services Bank to the development of services through electronic banking (e-banking). Related to improving the quality of human resources, the Company conducts a variety of educational and training programs.

Sementara itu, untuk fokus bisnis, Perseroan memilih bidang atau segmentasi yang memiliki prospek baik dan telah dipahami dengan baik, di antaranya perdagangan, konstruksi, pendidikan, kesehatan, dan supplier. Selain itu, Perseroan juga terus meningkatkan penetrasi pasar untuk mengembangkan basis nasabah.

Meanwhile, the business focus, the Company chose or segmentation fields that have good prospects, and has been well understood, including trade, construction, education, health, and supplier. Other than that, the Company also continued to increase market penetration to expand its customer base.

Prospek Usaha 2017 Perekonomian global dan domestik pada 2017 diprediksikan akan mengalami perbaikan dan peningkatan dibandingkan dengan tahun sebelumnya. Karena itu, industri perbankan memiliki ruang pertumbuhan yang lebih baik dibandingkan 2016. Apabila pertumbuhan ekonomi berada di kisaran 5,1%,

Business Prospects in 2017 Global and domestic economy in 2017 is predicted to have improved and increased in comparison with the previous year. Therefore, the banking industry has room to growth better compared to 2016. If economic growth is in the range of 5.1%, it is difficult for banks to boost credit growth. However, if the economic growth to 5.3%, the


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Laporan Direktur Utama President Director Report

22 |

maka sulit bagi perbankan untuk menggenjot pertumbuhan pembiayaan. Namun, jika pertumbuhan ekonomi hingga 5,3%, maka industri perbankan bisa meraih kenaikan pembiayaan yang lebih tinggi lagi.

banking industry can achieve higher financing rise again.

Dari sisi likuiditas, bank-bank harus mengurangi dana mahal. Ini menjadi tantangan bagi bank-bank kecil yang likuiditasnya ditopang oleh loyalitas nasabah yang mengharapkan suku bunga tinggi.

In terms of liquidity, the banks should reduce expensive funding cost. It is a challenge for smaller banks whose liquidity is supported by the loyalty of customers who expect high interest rates.

Kinerja bank pada 2017 sangat tergantung dari kemampuan bank-bank untuk memitigasi risiko dan memanfaatkan ruang sempit untuk meraih pertumbuhan bisnis. Serta, mencermati sinyal penguatan sektor-sektor usaha yang menyerap pembiayaan, bank-bank harus lebih mengutamakan kualitas aset produktifnya, meningkatkan efisiensi dan melakukan inovasi di layanan digital untuk mengikuti pasar yang berubah sangat cepat.

The bank’s performance in 2017 is highly dependent on the ability of banks to mitigate risks and take advantage of the narrow space to achieve business growth. Also, exploring at the strengthening signal on business sectors that absorb financing, banks should prioritize the quality of productive assets, improve efficiency and innovation in digital services to follow the market which changing rapidly.

Meskipun potensi industri keuangan yang masih kurang kondusif pada tahun 2017, Perseroan tetap berharap memperoleh pertumbuhan aset yang lebih baik dari tahun sebelumnya. Selain itu, Perseroan juga akan meningkatkan perolehan DPK, penyaluran pembiayaan, fee based income, dan laba, sesuai target yang telah ditetapkan

Despite the potential of the financial industry that is still less favorable in 2017, the Company still expects to obtain the asset growth that is better than the previous year. In addition, the company will also increase the acquisition of third party funds, financing, fee-based income, and profits, according to the targets have been set.

Penerapan tata kelola Perusahaan Penerapan prinsip-prinsip GCG menjadi fokus utama dan landasan bagi Direksi dalam menjalankan fungsi dan tugasnya mengelola usaha Perseroan. Selain itu, Direksi dalam menjalankan usaha Perseroan juga selalu mematuhi prinsip syariah dan berbagai peraturan maupun perundang-undangan yang berlaku di Indonesia.

Good Corporate Governance Implementation The application of corporate governance principles became the main focus and the basis for the Board of Directors in carrying out its functions and duties to manage the Company’s business. In addition, the Board of Directors in running our business has always adhere to the sharia principles and rules and laws that apply in Indonesia.

Terkait penerapan prinsip GCG, Perseroan telah melakukan self assessment terhadap penerapan tata kelola perusahaan pada 2016 dengan hasil yang memposisikan Perseroan termasuk dalam kategori “baik”. Ke depan, Perseroan terus berkomitmen terhadap langkah-langkah penyempurnaan yang berkesinambungan.

In relation to the good corporate governance principle, the Company has conducted a self-assessment of the implementation of corporate governance in 2016 with the result that positions the Company in the “good” category . Going forward, the Company continuous to commit to the steps of continual improvement.

Apresiasi Direksi Dengan pencapaian kinerja dan proses sepanjang 2016, atas nama Direksi ijinkan kami mengucapkan terima kasih yang sebesar-besarnya kepada segenap pemegang saham, pemangku kepentingan, serta mitra usaha Perseroan yang tersebar di Tanah Air. Atas nama Direksi pula, kami juga ingin menyampaikan apresiasi yang mendalam kepada Dewan Komisaris, Dewan Pengawas Syariah (DPS), komite-komite terkait, dan seluruh karyawan di semua level yang telah berkontribusi positif,

Board Director Appreciation With the achievement of performance and long process throughout 2016, on behalf of the Board of Directors allow us to thank you profusely to all shareholders, stakeholders, and the Company’s business partners spread across the country. On behalf of the Board of Directors, we would like to express deep appreciation to the Board of Commissioners, the Sharia Supervisory Board, the relevant committees, and all employees at all levels who have contributed positively, as well as supporting the growth


serta mendukung pertumbuhan dan perkembangan Perseroan.

and development of the Company.

Dukungan dan sinergi yang terjalin dari seluruh pihak merupakan energi dan motivasi yang luar biasa bagi Perseroan, sehingga berhasil menutup tahun 2016 dengan pencapaian kinerja keuangan dan usaha yang tetap baik dan positif. Dengan dukungan dan sinergi itu pula, Perseroan berkomitmen untuk dapat terus mewujudkan pertumbuhan bisnis yang kuat dan berkelanjutan, serta mampu memberikan manfaat dan maslahat bagi seluruh pihak di Tanah Air.

Support and synergy that exists from all parties is an energy and tremendous motivation for the Company, whereas successfully closed the year 2016 with the financial performance and business remains good and positive. With the support and synergy of that, the Company is committed to continue to realize strong business growth and sustainable, and able to provide the benefits and interests of all parties in the country.



Jakarta, 31 Desember 2016 Jakarta, December 31 2016 Atas Nama Direksi/ On Behalf of the Board of Directors

Riyanto Direktur Utama/ President Director


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Laporan KETUA Dewan Pengawas Syariah

Chairman of Sharia Supervisory Board Report

Menjaga Kesesuaian Prinsip Syariah Keeping In Line with Sharia Principles DPS terus berupaya menjaga agar operasional, jasa, dan produk yang dilakukan dan diberikan Perseroan sesuai dengan prinsip-prinsip syariah yang telah ditentukan. The Chairman of Sharia Supervisory Board always attempt to maintain that the operations, services, and products done and given by the Company are in line with determined sharia principles.

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Assalamualaikum Warahmatullahi Wabarakatuh Bismillaahirrahmaanirrahiim

Assalamualaikum Warahmatullahi Wabarakatuh Bismillaahirrahmaanirrahiim

uji dan syukur kita panjatkan kepada Allah SWT Yang Maha Mencukupi atas berkah dan rahmat yang dilimpahkan kepada kita semua. Shalawat dan salam semoga senantiasa melimpah atas Rasul-Nya, Muhammad SAW. Mudah-mudahan taufik dan hidayah Allah SWT senantiasa tercurah bagi kita semua.

P

ll praise to Allah SWT The Most Beneficent for His blessings and grace that He bestowed upon us. May blessing and peace be with His Holy Prophet, Muhammad SAW. May Allah SWT blessings and guidance will always be with us.

Dalam laporan ini, saya mewakili Dewan Pengawas Syariah (DPS) mengucapkan rasa syukur dan selamat kepada manajemen dan seluruh karyawan Perseroan atas pencapaian dan kinerja yang positif. Selama tahun 2016, yang penuh tantangan dan tekanan, Perseroan mampu mempertahankan kinerja dan mewujudkan pertumbuhan yang positif.

Through this report, I as the representation of The Sharia Supervisory Board would like to congratulate the management and the entire employees of the Company for their positive achievement and performance. Throughout 2016 that is full of challenges and pressure, the Company is able to maintain its performance and actualize a positive growth.

DPS telah melakukan tugasnya sesuai dengan fungsi dan tanggung jawab yang diatur dalam Peraturan Bank Indonesia Nomor 11/33/PBI/2009 tentang Pelaksanaan Good Corporate Governance bagi Bank Umum Syariah dan Unit Usaha Syariah, di antaranya dalam hal pelaksanaan tugas untuk menilai pemenuhan prinsip syariah pada pedoman operasional dan produk yang dikeluarkan oleh Perseroan, melakukan pengawasan proses pengembangan produk baru Perseroan, melakukan review secara berkala atas pemenuhan prinsip syariah terhadap mekanisme penghimpunan dana dan penyaluran dana

The Sharia Supervisory Board has been performing its duties in accordance with its functions and responsibilities that have been determined in the Regulation of Bank Indonesia Number 11/33/PBI/2009 about the Implementation of Good Corporate Governance for Sharia Commercial Banks and Sharia Business Unit, which includes implementing duties to asses the compliance of sharia principles in the operational guidelines and the products issued by the Company, supervising the development process of the Company's new products, periodically reviewing the

A


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Laporan Dewan Pengawas Syariah Chairman of Sharia Supervisory Board Report

dan pelayanan jasa Perseroan, serta meminta data dan informasi terkait dengan aspek syariah dari satuan kerja Perseroan dalam rangka pelaksanaan tugasnya. Hal tersebut dilakukan oleh DPS melalui kegiatan, seperti rapat DPS dan uji petik yang selalu rutin dilakukan.

compliance of sharia principles towards the fund collection and fund distribution mechanism and the Company’s services, and requesting the data and information that are related to the sharia aspects of the Company’s working unit in its implementation of duties. This is performed by the Sharia Supervisory Board through various activities, such as the Sharia Supervisory Board meeting and sample tests that are held regularly.

Kegiatan pengawasan yang dilakukan DPS Perseroan selama tahun berjalan antara lain mencakup hal berikut.

Supervisory activities that are performed by Sharia Supervisory Board of the Company during the year includes:

1.

1.

2.

3.

Mengadakan rapat dan diskusi dengan pihak internal terkait dengan pemenuhan prinsip syariah. Sepanjang tahun 2016, DPS mengadakan rapat sebanyak 12 (dua belas) kali. Mengawasi proses pengembangan produk baru dengan cara meminta penjelasan dari pejabat Perseroan yang berwenang mengenai tujuan, karakteristik, dan akad yang digunakan dalam produk baru yang akan dikeluarkan. Memeriksa akad yang digunakan dalam produk baru telah terdapat fatwa Dewan Syariah Nasional-Majelis Ulama Indonesia (DSN-MUI) dengan cara melakukan analisis atas kesesuaian akad produk baru dengan fatwa DSN-MUI.

3.

4. Melakukan review sistem dan prosedur produk Perseroan yang akan dikeluarkan terkait dengan pemenuhan prinsip syariah. 5. Memberikan opini syariah atas produk baru yang dikeluarkan; meminta fatwa kepada DSN-MUI untuk produk baru Perseroan yang belum ada fatwanya.

4.

6. Melakukan review secara berkala atas pemenuhan prinsip syariah terhadap mekanisme penghimpunan dana dan penyaluran dana serta pelayanan jasa Perseroan. 7. Meminta data dan informasi terkait dengan aspek syariah dari satuan kerja Perseroan dalam rangka pelaksanaan tugasnya. 8. Menyampaikan laporan hasil pengawasan DPS setiap 6 (enam) bulan sekali, selambat-lambatnya 2 (dua) bulan setelah periode semester berakhir. 9. Menganalisis laporan yang disampaikan oleh dan/ atau yang diminta dari Direksi, pelaksana fungsi audit intern dan/atau fungsi kepatuhan untuk mengetahui kualitas pelaksanaan pemenuhan prinsip syariah atas kegiatan penghimpunan dana dan penyaluran dana serta pelayanan jasa Perseroan.

6.

10. Menetapkan jumlah uji petik (sampel) transaksi yang akan diperiksa dengan memperhatikan kualitas

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2.


5.

7.

Hold meetings and discussions with internal parties regarding sharia principles compliance. Throughout 2016, the Sharia Supervisory Board has held 12 (twelve) meetings. Supervise new product development process by requesting explanation from the Company's authorized officials regarding the purpose, characteristic, and contract that will be used on the new products that will be launched. Review the contract that is used in new products, whether or not it already has fatwa of National Sharia Board of Indonesian Ulema Council by analyzing the compliance of new product’s contract towards the fatwa of National Sharia Board of Indonesian Ulema Council. Review the system and procedure of the Company's products that will be launched regarding their compliance to the sharia principles. Give sharia opinion towards new products that will be launched; Ask for fatwa from National Sharia Board of Indonesian Ulema Council for the Company’s new products that haven’t got fatwa yet. Periodically review the sharia principles compliance of the Bank’s fund collecting and fund distribution mechanism and the Company’s services.

Request for information and data regarding the sharia aspects of the Company’s working unit in its implementation of duties. 8. Submit a Sharia Supervisory Board monitoring report in every 6 (six) months, at the latest by 2 (two) months after the end of the semester period. 9. To analyze report that was submitted by and/or was requested by the Board of Directors, to implement the internal audit function and/or compliance function to find out the quality of sharia principles compliance implementation regarding the fund collection and distribution, and the Company's services. 10. Determine the amount of sample test transaction that will be examined by focusing on the quality of

pelaksanaan pemenuhan prinsip syariah dari masingmasing kegiatan. 11. Melakukan inspeksi, pengamatan, permintaan keterangan dan/atau konfirmasi kepada pegawai Perseroan dan/atau nasabah untuk memperkuat hasil pemeriksaan dokumen apabila diperlukan. 12. Melakukan review terhadap standard operating procedure (SOP) terkait dengan aspek syariah apabila terdapat indikasi ketidaksesuaian pelaksanaan pemenuhan prinsip syariah atas kegiatan yang dimaksud. 13. Memberikan pendapat syariah atas kegiatan penghimpunan dana dan penyaluran dana serta pelayanan jasa Perseroan.

sharia principles compliance implementation on each activity. 11. Perform inspection, observation, request of explanation and/or confirmation to the Company’s employee and/or customer to support the result of the document examination, if necessary. 12. Review the Standard Operating Procedure (SOP) regarding to the sharia aspects if there is an indication of discrepancy in the implementation of sharia principles in the intended activities.

Berdasarkan hasil pengawasan selama tahun 2016, DPS menyatakan bahwa secara umum operasional Perseroan telah memenuhi ketentuan syariah berdasarkan Fatwa DSN-MUI. Dengan kerja sama yang baik dari Direksi dan unit-unit kerja Perseroan, semua kegiatan baik pada aspek pengembangan produk baru, fitur produk, maupun kegiatan operasional Perseroan dapat berjalan sesuai dengan prinsip-prinsip syariah yang berlaku. Selain itu, dari hasil kegiatan uji petik, Perseroan berusaha memenuhi perbaikan dari hasil temuan DPS yang kurang patuh. DPS juga telah melaporkan setiap kegiatan dan temuan dalam Laporan Hasil Pengawasan yang disampaikan kepada Otoritas Jasa Keuangan (OJK) dan DSN-MUI secara rutin tiap semester.

Based on the result of monitoring throughout 2016, the Sharia Supervisory Board stated that in general the Company’s operational is in compliance with the sharia principles according to the Fatwa of National Sharia Board of Indonesian Ulema Council. With great cooperation from the Board of Directors and the Company’s working units, all activities in aspects of the new product development, product feature, and the Company’s operational activities have been in line with existing sharia principles. Furthermore, from the sample test’s result, the Company also tried to improve the findings of the Sharia Supervisory Board that was less in compliance. Sharia Supervisory Board also reports every activities and findings in Supervisory Report which was submitted regularly to the Financial Services Authority and National Sharia Board of Indonesian Ulema Council every semester.

DPS berharap agar Perseroan dapat terus meningkatkan kinerjanya secara optimal dengan tetap berpegang pada ketentuan-ketentuan syariah yang berlaku. Selain itu, sinergi yang telah dibangun selama ini dapat dijaga dan terus ditingkatkan. Komitmen yang sudah ada harus terus dijaga.

The Sharia Supervisory Board hopes that the Company will keep improving its performance optimally by upholding the existing sharia principles. Furthermore, the synergy that has been built so far can still be maintained and improved, and the existing commitment must always be preserved.

Wassalamualaikum Warahmatullahi Wabarakatuh

Wassalamualaikum Warahmatullahi Wabarakatuh

13. Give sharia opinion regarding the fund collection and distribution activities and the Company's services.

Jakarta, 31 Desember 2016 Jakarta, December 31 2016

Prof. Dr. H. M. Din Syamsuddin, M.A. Ketua Dewan Pengawas Syariah/ Chairman of Sharia Supervisory Board Report


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Tanggung Jawab Atas Pelaporan Tahunan PT Bank Syariah Bukopin 2016 Responsibility Towards PT Bank Syariah Bukopin’s 2016 Annual Report Laporan Tahunan PT Bank Syariah Bukopin 2016 ini serta Laporan Keuangan Audit dari Kantor Akuntan Publik dan informasi-informasi lainnya yang terkait dengan Laporan Tahunan PT Bank Syariah Bukopin 2016, merupakan tanggung jawab Manajemen PT Bank Syariah Bukopin dan telah disetujui serta ditandatangani oleh Dewan Komisaris dan Direksi PT Bank Syariah Bukopin. This 2016 Annual Report and Audited Financial Statements from the Public Accounting Firm of PT Bank Syariah Bukopin and other informations that are relevant with the Annual Report of PT Bank Syariah Bukopin 2016, is a responsibility of PT Bank Syariah Bukopin’s management and has been approved and signed by the Board of Commissioners and the Board of Directors of PT Bank Syariah Bukopin.

issioners

Tri Joko Prihanto Komisaris Utama President Commissioner

Drs. Hajriyanto Y. Thohari, M.A. Komisaris Independen Independent Commissioner

Prof. DR. Bambang Setiaji, M.Si. Komisaris Independen Independent Commissioner

Eddy Cahyono Komisaris Commissioner Direksi Board of Directors

Riyanto Direktur Utama President Director President Director

Aris Wahyudi Direktur Bisnis Business Director

Ruddy Susatyo Direktur Operasi dan Pelayanan Operation and Services Director

Adil Syahputra Direktur Kepatuhan dan Manajemen Risiko Compliance and Risk Management Director

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Profil Perusahaan

Company’s Profile

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S

T

ejarah pendirian PT Bank Syariah Bukopin (selanjutnya disebut Perseroan) sebagai bank yang beroperasi dengan prinsip syariah berawal dengan masuknya PT Bank Bukopin, Tbk. yang mengakuisisi PT Bank Persyarikatan Indonesia, yakni sebuah bank konvensional. PT Bank Persyarikatan Indonesia sebelumnya bernama PT Bank Swansarindo Internasional yang didirikan di Samarinda, Kalimantan Timur berdasarkan akta nomor 102 tanggal 29 Juli 1990. PT Bank Swansarindo Internasional merupakan bank umum yang memperoleh surat keputusan Menteri Keuangan nomor 1659/KMK.013/1990 tanggal 31 Desember 1990 tentang pemberian izin peleburan usaha 2 (dua) Bank Pasar dan Peningkatan Status Menjadi Bank Umum dengan nama PT Bank Swansarindo Internasional yang memperoleh kegiatan operasi berdasarkan surat Bank Indonesia nomor 24/1/UPBD/PBD2/SMR tanggal 1 Mei 1991 tentang Pemberian izin Usaha Bank Umum dan Pemindahan kantor bank.

he history of the establishment of PT Bank Syariah Bukopin (here in after referred to as the Company) as a bank that operates with sahria principles begins with the entry of PT Bank Bukopin, Tbk. In which acquired a conventional bank PT Bank Persyarikatan Indonesia. PT Bank Persyarikatan Indonesia formerly known as PT Bank International Swansarindo founded in Samarinda, East Kalimantan by deed No. 102 dated July 29, 1990. PT Bank Swansarindo International is a commercial bank that received the Minister of Finance decree number 1659/ KMK.013 /1990 dated December 31, 1990 on granting permission consolidation 2 (two) Bank Market and Improvement Status Being a commercial bank under the name of PT Bank Swansarindo International acquire the operations based on the letter of Bank Indonesia number 24/1/ UPBD/PBD2/SMR dated May 1, 1991 on the granting of permission enterprises commercial banks and transfer of bank offices.

Selanjutnya, pada tahun 2001 sampai akhir 2002, Organisasi Muhammadiyah mengakuisisi dan sekaligus mengubah nama PT Bank Swansarindo Internasional menjadi PT Bank Persyarikatan Indonesia yang memperoleh persetujuan dari Bank Indonesia (BI) nomor 5/4/KEP. DGS/2003 tanggal 24 Januari 2003 yang dituangkan ke dalam akta nomor 109 Tanggal 31 Januari 2003. Dalam perkembangannya, terdapat program penyehatan PT Bank Persyarikatan Indonesia melalui tambahan modal dan asistensi oleh PT Bank Bukopin, Tbk.

Subsequently, from 2001 until the end of 2002, Muhammadiyah Organization acquires and simultaneously change the name of PT Bank Swansarindo International to become PT. Bank Persyarikatan Indonesia obtained approval from Bank Indonesia number 5/4/KEP. DGS/2003 dated January 24, 2003 contained in a deed number 109 Date of January 31, 2003. In the process, there are a recovery program for PT Bank Persyarikatan Indonesia through additional capital and assistance by PT Bank Bukopin, Tbk.

Kemudian, pada tahun 2008 memperolah izin kegiatan usaha bank umum yang beroperasi berdasarkan prinsip syariah melalui surat keputusan Gubernur Bank Indonesia nomor 10/69/KEP.GBI/ DpG/2008 tanggal 27 Oktober 2008 tentang Pemberian Izin Perubahan Kegiatan Usaha Bank Konvensional Menjadi Bank Syariah, dan Perubahan Nama PT Bank Persyarikatan Indonesia menjadi PT Bank Syariah Bukopin. Perseroan sebagai bank syariah secara resmi mulai efektif beroperasi pada tanggal 9 Desember 2008. Saat itu, kegiatan operasional perseroan secara resmi dibuka oleh Bapak M. Jusuf Kalla, Wakil Presiden Republik Indonesia periode 2004-2009.

In 2008 the Company obtain activity permit as a commercial bank operating under Islamic principles by decree of Governor of Bank Indonesia Number 10/69/KEP. GBI/DpG/2008 dated October 27, 2008 on the Granting the Change of Operations Being a Conventional Bank into Sharia Bank, and Change the name of PT Bank Persyarikatan Indonesia into PT Bank Syariah Bukopin. Company as sharia banks officially started effective its operations on December 9, 2008. At that time, the company’s operating activities was officially opened by Mr. M. Jusuf Kalla, Vice President of the Republic of Indonesia from 2004-2009.

Sampai dengan akhir Desember 2016 Perseroan memiliki jaringan kantor, yaitu 1 (satu) Kantor Pusat dan Operasional, 11 (sebelas) Kantor Cabang, 7 (tujuh) Kantor Cabang Pembantu, 4 (empat) Kantor Kas, 5 (lima) unit mobil kas keliling, dan 74 (tujuh puluh empat) Kantor Layanan Syariah, serta 31 (tiga puluh satu) mesin ATM BSB dengan jaringan Prima BCA.

Until the end of December 2016 the Company has already network offices, 1 (one) Head Office and Operations, 11 (eleven) Branch Offices, 7 (seven) Subsidiary Branch Offices, 4 (four) Cash Offices, 5 (five) Moblie Cash Cars, and 74 (seventy-four) Sharia Services Office, and 31 (thirtyone) BSB ATM machine incoorporation with BCA’s Prima network.


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Informasi Perusahaan

Company’s Information

Nama Bank/Bank Name Alamat/Address Telepon/Phone Fax Homepage Email Facebook Twitter Instagram Path Tanggal Berdiri/Established Dasar Hukum Pendirian/Legal Basis of Establisment

PT BANK SYARIAH BUKOPIN Jl. Salemba Raya No. 55, Salemba, Jakarta Pusat 10440 021 - 2300912 021 - 3148401 www.syariahbukopin.co.id [email protected] Bank Syariah Bukopin @BSyariahBukopin bank_syariahbukopin Bank Syariah Bukopin 29 Juli 1990/July 29, 1990 Surat Keputusan Menteri Kehakiman RI No. C2-5618 HT.01.01. Tahun 1990, tanggal 11 Maret 1990/Decree of Minister of Justice No. C2-5618 HT.01.01. Year 1990, dated March 11, 1990

Mulai Beroperasi/Start Operating Modal Dasar/Core Capital Modal Disetor/Paid-in Capital Ekuitas/Equity Kegiatan Usaha/Business Activity

9 Desember 2008/December 9, 2008 Rp1.000.000.000.000 Rp850.370.000.000 Rp798.568.161.270 Bergerak di Bidang Usaha Perbankan berdasarkan prinsip syariah yang sesuai dengan Perubahan Anggaran Dasar pada Akta No. 28 tanggal 31 Maret 2008 yang disahkan melalui Surat Keputusan Menteri Hukum & HAM No. AHU-22464.AH.01.02 Tahun 2008, tanggal 2 Mei 2008/Engaged in the business field of sharia banking in accordance with the change of Articles of Association on Deed No. 28 dated March 31, 2008 passed through Decree of Minister of Law and Human Right No. AHU-22464.AH.01.02 Year 2008, dated May 2, 2008 1.085 SDI/1,085 Human Resources 31 mesin ATM BSB & ATM Prima/31 BSB ATM Machines & ATM Prima 1 Kantor Pusat & Operasional/1 Head Office & Operational, 11 Kantor Cabang/11 Branch Offices, 7 Kantor Cabang Pembantu/7 Subsidiary Branch Offices, 4 Kantor Kas/4 Cash Offices, 5 Mobil Kas Keliling/5 Mobile Cash Car 74 Layanan Syariah Bank/74 Sharia Services Bank Adrian Djuaini, SH, Jl. Bendungan Hilir V No. 2, Jakarta Pusat 10210, Telepon: 021 – 5700008, Fax: 021 – 5704481, email: [email protected]

Jumlah Pegawai/Number of Employee Jaringan ATM/ATM Network Kantor Layanan/Service Offices

Layanan Syariah Bank/Sharia Services Bank Lembaga dan Profesi Penunjang/ Notaris/ Notary/Supporting Institutions and Professionals Kantor Akuntan Publik/Public Accounting Firm

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Aidil Yuzar, SE, AK, CPA, Jl. Ampera Raya – Kancil No. 40 Ragunan Pasar Minggu Jakarta Selatan 12550, Telepon: 021 – 7891858, Fax: 021 – 78844968, email: [email protected]

Visi, Misi, & Nilai-nilai Perusahaan

Vision, Mission, & Corporate Values

Visi Menjadi Bank Syariah Pilihan dengan Pelayanan Terbaik Misi Memberikan pelayanan terbaik pada nasabah Membentuk Sumber Daya Insani yang profesional dan amanah Memfokuskan pengembangan usaha pada sektor Usaha Mikro Kecil dan Menengah (UMKM) Meningkatkan nilai tambah kepada stakeholder Nilai-nilai Perusahaan Amanah Tanggap Kualitas Peduli Kerjasama Strategi Korporasi

Vision Become the preferred sharia commercial bank with the Best Services Mission Develop the Best Service to the Customer Formalized trustworthy and professional human resources Focus on developing MSME’s (Micro, Small, and Medium Enterprises) Develop value added to the stakeholders Corporate Values Trustworthy Responsiveness Excellence Caring Teamwork Corporate Strategy

Untuk mencapai visi dan misi sesuai dengan arah kebijakan, PT Bank Syariah Bukopin menetapkan langkah-langkah strategis, sebagai berikut:

To achieve vision and mission in accordance to policy direction, PT Bank Syariah Bukopin has determine some strategic steps as follows:

Pengembangan Usaha dengan Fokus pada Sektor Usaha UMKM Mengembangkan Usaha Komersial Mengembangkan Usaha Konsumer Penyediaan Jasa-Jasa Fee Based kepada Nasabah Memperkuat Teknologi dan Pelayanan Menambah dan Mengoptimalkan Jaringan Outlet Memperkuat Sumber Daya Insani Peningkatan Kualitas Pengelolaan Risiko dan Kepatuhan

Business development with focus in MSME’s Developing Commercial Business Developing Consumer Business Provide Fee Based Services to Customer Strengthen Technology and Services Adding and Optimizing Network Outlets Strengthen Human Resources Improvement in Risk Management and Compliance Quality

Visi dan Misi tersebut telah disetujui oleh Direksi/Dewan Komisaris Vision and Mission have been approved by The Board of Directors/Board of Commissioners


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Profil Dewan Komisaris

Board of Commissioners Profile

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TRI JOKO PRIHANTO Komisaris Utama President Commissioners Menjabat sebagai Komisaris Utama sejak Agustus 2015. Usia 56 tahun lahir di Magelang. Lulusan Insinyur dan Magister Institut Pertanian Bogor. Sebelumnya berkarir di PT Bank Bukopin, Tbk sejak 1986. Jabatan yang pernah diduduki Wakil Pimpinan Cabang, Pimpinan Cabang, Kepala urusan Pembinaan & pengembangan Koperasi, Kepala Urusan Sumber Daya Manusia, Head Group Line of Buisness, Kepala Sekretaris Perusahaan, Direktur Operasi, dan Direktur Perencanaan & Keuangan. Appointed as President Commissioner since August 2015. Age 56 years old and was born in Magelang. Engineers and Masters Graduates from Bogor Agricultural University. Previous career at PT. Bank Bukopin, Tbk since 1986. Positions he has ever occupied as the Deputy Branch Manager, Branch Manager, Head of Development affairs and development cooperation, Head of Human Resources, Head of Business Line Group, Head of Corporate Secretary, Director of Operations, and as Director of Planning & Finance.

EDDY CAHYONO Komisaris Commissioners Menjabat sebagai Komisaris sejak Agustus 2015. Usia 56 tahun, lahir di Rembang lulusan Sarjana Ekonomi Universitas Sebelas Maret Surakarta dan Magister STIE TRIANANDRA. Sebelumnya berkarir di PT Bank Bukopin, Tbk sejak 1986. Jabatan yang pernah diduduki Pimpinan Cabang, Kepala Urusan Penyelesaian Kredit, Head Group Line of Buisness Small Scale, Group Head UKK, Group Head Bisnis Area 1 Jakarta, General Manager Bisnis Regional III, General Manager Strategi & Transformasi, dan terakhir sebagai General Manager Bisnis Regional III. Appointed as Commissioner since August 2015. Age 56 years old and was born in Rembang. Graduate as Bachelor of Economics from University of March Surakarta and Masters degree from STIE TRIANANDRA. Previous career at PT. Bank Bukopin, Tbk since 1986. Positions he has ever occupied as Branch Manager, Head of Credit Settlement, Group Head of Line Business Small Scale, Group Head UKK, Group Head of Business Area 1 Jakarta, General Manager of Regional Business III, General Manager of Strategy & Transformation, and most recently as General Manager Regional Business III.

HAJRIYANTO Y. THOHARI Komisaris Independen Independent Commissioners Usia 56 tahun lahir di Karang Anyar, lulusan Doktor Antropologi Universitas Indonesia. Menjabat sebagai Komisaris Independen sejak September 2008 sebelumnya menjabat Komisaris sejak 2001, berkarier di Legislatif sebagai anggota DPR-MPR selama 4 periode sejak tahun 1997 dan beliau menjabat sebagai Wakil Ketua MPR RI periode 2009-2014, saat ini beliau menjabat ketua Lembaga Pemberdayaan Masyarakat Lingkungan Hidup, Penanggulangan Bencana, dan ZIS PP Muhammadiyah. Age 56 years old and was born in Karang Anyar. He was graduated as a Doctor of Anthropology from University of Indonesia. Appointed as Independent Commissioner since September 2008, previously served as Commissioner since 2001, he also have a career in the Legislature as a member of DPR-MPR for 4 periods since 1997 and he served as Vice Chairman of MPR for 2009-2014 period, he is currently chairman of the Institute for Community Empowerment Environment, Disaster, and ZIS PP Muhammadiyah.

BAMBANG SETIAJI Komisaris Independen Independent Commissioners Usia 60 tahun lahur di Pacitan, Doktor Ekonomi Universitas Gadjah Mada Yogyakarta. Menjabat sebagai Komisaris Independen sejak Maret 2008, sebelumnya menjabat Komisaris sejak 2006, saat ini beliau menjabat sebagai Rektor Universitas Muhammadiyah Surakarta, Ketua Masyarakat Ekonomi Syariah (MES) Surakarta, dan Wakil Ketua Majelis Pendidikan Tinggi, Penelitian dan Pengembangan PP Muhammadiyah. Age 60 years old and was born in Pacitan. He is a Doctor of Economics from University of Gadjah Mada. Appointed as Independent Commissioner since March 2008, previously served as Commissioner since 2006, he currently serves as a Rector of Muhammadiyah University in Surakarta, Chairman of the Economic Community Syari'ah (MES) Surakarta, and Vice Chairman of Community Empowerment Council of Muhammadiyah.


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Profil Direksi

Board of Directors Profile

36 |


RIYANTO Direktur Utama President Director Menjabat Direktur Utama sejak September 2008. Usia 55 tahun, lahir di Bandung. Lulusan Sarjana Ekonomi Akuntansi Universitas Padjadjaran Bandung. Sebelumnya, berkarir di PT Bank Bukopin,Tbk sejak 1988, pernah menjabat Pemimpin Cabang Pembantu, Kepala Urusan Risk Management Compliance, Head Division Servicing Agent, Kepala Urusan Restrukturisasi & Penyaluran Kredit, Kepala Urusan Perencanaan dan Analisa Keuangan, dan terakhir menjabat Kepala Sekretaris Perusahaan. Has been serving as President Director since September 2008. He is 55 years old, was born in Bandung and received a Economic & Accounting Bachelor Degree from Padjadjaran University in Bandung. Previously, he served in PT Bank Bukopin, Tbk since 1988 as Head of Sub-Branch, Head of Risk Management Compliance, Head of Servicing Agent Division, Head of Credit Restructuring & Distributing Affairs, Head of Financial Planning and Analyzing, and the most recent one as Head of Corporate Secretary.

ADIL SYAHPUTRA Direktur Kepatuhan dan Manajemen Risiko Compliance & Risk Management Director Menjabat Direktur Kepatuhan dan Manajemen Risiko sejak Maret 2014. Usia 53 tahun lahir di Jakarta. Lulusan Insinyur Institut Teknologi Nasional Bandung. Sebelumnya berkarir di PT Bank Bukopin, Tbk sejak tahun 1991, pernah menjabat Kepala Bagian Kredit, Manajer Bisnis, Pemimpin Cabang, Kepala Divisi Kepatuhan dan terakhir sebagai Kepala Divisi Manajemen Risiko. Has been serving as Compliance and Risk Management Director since March 2014. He is 53 years old, was born in Jakarta, and has a degree of engineer from National Institute of Technology in Bandung. Previously, he served in PT. Bank Bukopin, Tbk since 1991 as Head of Credit Division, Business Manager, Head of Branch, Head of Compliance Division, and the most recent one as Head of Risk Management Division.

RUDDY SUSATYO Direktur Operasi & Pelayanan Operation & Services Director Menjabat Direktur Operasi dan Pelayanan sejak Maret 2010. Usia 61 tahun lahir di Jakarta. Lulusan Sarjana Ekonomi Universitas Indonesia. Sebelumnya berkarir di PT Bank Bukopin, Tbk sejak 1987, pernah menjabat Manager Operasi, Kepala Kantor Pusat Operasi, Kepala Urusan Operasi, dan terakhir sebagai General Manager Teknologi Informasi. Has been serving as Operations & Service Director since March 2010. He is 61 years old, was born in Jakarta and received a Bachelor of Economy Degree from University of Indonesia. Previously he served in PT. Bank Bukopin, Tbk since 1987 as Operations Manager, Head of Head Office and Operations, Head of Operations Affair, and General Manager of Information and Technology.

ARIS WAHYUDI Direktur Bisnis Business Director Menjabat Direktur Bisnis sejak Maret 2015. Usia 56 tahun lahir di Ambarawa. Lulusan Insinyur dan Magister Institut Pertanian Bogor. Sebelumnya berkarir di PT Bank Bukopin, Tbk sejak 1987, pernah menjabat Wakil Pimpinan Cabang, Pimpinan Cabang, Kepala Urusan Produk, GM Bisnis Regional II, GM Perencanaan & Pengembangan Bisnis, GM Bisnis Regional IV dan GM Bisnis Regional II Wilayah Jakarta dan Jawa Barat. Has been serving as Business Director since March 2015. He is 56 years old, was born in Ambarawa, and has title of Engineer and Master from Bogor Institute of Agriculture. He previously served in PT. Bank Bukopin, Tbk since 1987 as Deputy Branch, Head of Branch, Head of Product Division, General Manager of Regional Business II, General Manager of Business Planning & Development, General Manager of Regional Business IV and General Manager of Regional Business II for the area of Jakarta and West Java.


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Struktur Organisasi

Organization Structure

RUPS GMS* DEWAN PENGAWAS SYARIAH SHARIA SUPERVISORY BOARD

DEWAN KOMISARIS BOARD OF COMMISSIONERS

Komite Remunerasi & Nominasi REMUNERATION & NOMINATION COMMITTEE

DIREKTUR UTAMA President DIRECTOR Riyanto

DirektUR Bisnis BUSINESS DIRECTor Aris Wahyudi

Kepala Divisi bisnis area Head of area business DIVISION

Komite Audit Audit Committee

DirektUR Operasi & Pelayanan Operation & SERVICEs DIRECTor

DirektUR Kepatuhan & manajemen Risiko COMPLIANCE & RISK MANAGEMENT DIRECTor

Ruddy Susatyo

Adil Syahputra

Kepala Divisi Operasi & Analisa Keuangan Head of FINANCIal AnalysIS & operation DIVISION Donny Suwardono

Kepala Divisi pengembangan produk Head of product development DIVISION Noor Cholis Kepala Divisi Supervisi bisnis Head of business supervision DIVISION Anas Fadli

Kepala Divisi Restrukturisasi & PenyElesaian Pembiayaan financing RESTRUCTURation & SETTLEMENT DIVISION Heru Haryanto

Kepala Divisi Pelayanan Head Of service DIVISION Ade Chandra

Kepala Divisi Support Pembiayaan Head of FINANCING SUPPORT DIVISION Raymound Syahril

Kepala Divisi Teknologi Informasi Head Of Information Technology DIVISION Muhammad Kosmosa

Manajer Delivery Channel Delivery Channel manager Febby Megasari Manajer Treasury Treasury Manager Donny Suwardono

Pemimpin Cabang Branch manager

Kepala Divisi Kepatuhan Head of COMPLIANCE DIVISION Lilis Sulindah

Kepala Divisi manajemen Risiko Head of RISK MANAGEMENT DIVISION

Komite pemantau risiko RIsk monitoring committee

Kepala Divisi Sumber Daya Insani Head of HUMAN RESOURCES DIVISION Rismarini Kepala Sekretaris Perusahaan Head of CORPORATE SECRETARY Evi Yulia Kurniawati

Kepala Divisi Bisnis Pembiayaan Komersial Head of commercial Financing Business divisIon Farhan Kamil Kepala Divisi Bisnis Pendanaan Komersial Head of commercial Funding Business divisIon Nia Rachmania Kepala Divisi Bisnis Mikro Head of MIcro Business divisIon ANDRIANSYAH Kepala Divisi Perencanaan Strategis & Manajemen Penjualan Head of Strategic Planning & Management Sale divisIon Amir Salahudin

Kepala Satuan Kerja Audit Intern Head of INTERNAl auDIT TASK FORCE Elmar Maroza

*) General Meeting of Shareholders Berdasarkan Surat Keputusan Direksi No.001/SKEP-DIR/ BSB-JKT/I/2016 tertanggal 4 Januari 2016. By the Decree of the Board of Directors No.001/SKEPDIR/BSB-JKT/I/2016 dated January 4, 2016.

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Manajer Anti Fraud Anti Fraud Manager

Struktur Pemegang saham

Shareholders Structure

• • • •

Kopelindo 18,087% Negara RI 11,434% Bosowa Corporindo 30,000% Publik 40,479%

PT. BUKOPIN FINANCE

PT. Para Rekan Investama 00,001%

96,06%

PT. BANK BUKOPIN, Tbk.

90,669%

PT. Mega Corpora 99,99%

PT. Mega Capital Indonesia

2,555%

0,584%

PT. Mitra Usaha Sarana

80% YKK-BB Yayasan Kesejahteraan Karyawan Bank Bukopin

Nirwan Dermawan Bakrie 94,70%

0,003%

2,555%

PT. Bakrie Bhakti Nusantara 5,30 % Tee Suprapto

PT. Bakrie Capital Indonesia

2,555%

20% KOPKAR-BB Koperasi Karyawan Bank Bukopin

0,372% Emil Abeng

0,706% Individu Muhammadiyah • Prof. Dr. Bambang Setiaji, MSi • Dr. Hajriyanto Y. Thohari, MA • Prof. Dr. M. Dawam Rahardjo • Prof. Ir. M. Amin Aziz • Ir. M. Dasron Hamid, MSc • DR.A.Munir Mulkhan • Firman Noor, SH • Drs.Sugeng

BPJS Ketenagakerjaan

100% Negara RI


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Profil Dewan Pengawas Syariah

Sharia Supervisory Board Profile

40 |


Prof. DR. H. M. Din Syamsuddin, M. A. Ketua Dewan Pengawas Syariah Chairman of Sharia Supervisory Board Menjabat Ketua Dewan Pengawas Syariah sejak Maret 2008. Usia 57 tahun lahir di Sumbawa. Lulusan Doktor University of California Los Angeles USA. Menjadi dosen di beberapa lembaga perguruan tinggi, dan beberapa jabatan yang pernah diduduki diantaranya, sebagai anggota MPR RI, Dirjen Pembinaan Penempatan Tenaga Kerja Depnaker, Dewan Pakar ICMI dan organisasi lainnya. Saat ini menjabat sebagai Indonesian Committee on Religion & Peace, Executive Council Asian Conference on Religion & Peace, Ketua Umum MUI 2014 - 2015 dan Ketua Umum PP Muhammadiyah 2005 – 2015, Ketua Majelis Dewan Pertimbangan MUI. Has been serving as Chairman of Sharia Supervisory Board since March 2008He is 57 years old of age, was born in Sumbawa. Having title of Doctor from University of California Los Angeles US. Currently teaching in several universities, and has been served in various positions namely as member of MPR-RI, Director General Coaching Placement of Labor in Ministry of Labor, Board of ICMI Experts. Currently serving as Indonesian Committee on Religion & Peace, Executive Council Asian Conference on Religion & Peace, Chairman of MUI 2014 – 2015, and Chairman of PP Muhammadiyah 2005- 2015, Chairman of Advisory Council MUI.

H. Ikhwan Abidin, M. A. Anggota Dewan Pengawas Syariah Member of Sharia Supervisory Board Menjabat sebagai Anggota Dewan Pengawas Syariah sejak Maret 2008. Usia 50 tahun lahir di Lamongan. Lulusan Master dari International Institute of Islamic Economics Islamabad, Pakistan. Selain itu, juga menjadi pengajar dan konsultan pada Lembaga Keuangan Syariah. Hingga saat ini menjabat sebagai Anggota Kelompok Kerja Perbankan Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). Has been serving as member of Sharia Supervisory Board since March 2008. He is 50 years old of age, was born in Lamongan. Having title of Master from International Institute of Islamic Economic Islamabad, Pakistan. Currently he is teaching and serving as consultant in Sharia Finance Institution. Also as a Member of Banking Work Group of the National Sharia Board of Indonesian Ulema Council (DSN-MUI).


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Prestasi Awards

12

4

10

11

8

12

Penghargaan Awards

Penghargaan Awards

Penghargaan Awards

Penghargaan Awards

Penghargaan Awards

Penghargaan Awards

2009

2010

2011

2012

2013

2014

2015

5 April 2016

5 April 2016

27 April 2016

“Digital Brand of The Year 2016”, peringkat ketiga kategori Digital Brand Bank Umum Syariah dari Infobank.

“Digital Brand of The Year 2016”, peringkat kedua kategori Digital Brand Tabungan Bank Umum Syariah dari Infobank.

"Top Eksekutif Muslim 2016”, Riyanto kategori Korporasi Bisnis dari Ikatan Pengusaha Muslimah Indonesia (IPEMI) dan Majalah Ibadah.

“Digital Brand of The Year 2016”, third rank for the category of Digital Brand of Sharia Commercial Bank from Infobank.

“Digital Brand of The Year 2016”, second rank in the category of Digital Brand of Sharia Commercial Bank Savings from Infobank.

“Muslim Top Executive in 2016”, Riyanto for the category of Business Corporate from the Indonesian Muslim Business Women Association (IPEMI) and Ibadah Magazine.

April 5, 2016

25 Mei 2016 May 25, 2016

“The 12th Islamic Finance Award 2016”, Peringkat 1 The Most Efficient, Peringkat 1 The Most Prudent, Peringkat 1 The Most Profitable, dan Peringkat 2 The Best kategori Islamic Full Fledge Bank: Equity Idr 100 Bn – 1 Tn (Buku 1)” dari Karim Business Consulting. “The 12th Islamic Finance Award 2016”, first rank for the category of The Most Efficient, first rank for the category The Most Prudent, first rank for the category The Most profitable, and second rank for the category The Best Category Islamic Full Fledge Bank : Equity IDR 100 billion – 1 Trillion (Book 1)” from Karim Business Consulting.

ember 2016 7 Sept mber 7, 2016 Septe

“Indonesia Banking Award 2016” kategori The Best Bank in Retail Banking Services dari Tempo Media Group dan Indonesia Banking School (IBS). “Indonesia Banking Award 2016” for the category of The Best Bank in Retail Banking Services from Tempo Media Group and Indonesia Banking School (IBS).

42 |

8

Penghargaan Awards


April 5, 2016

April 27, 2016

2 Juni 2016 June 2, 2016

“Banking Service Excellence 2016”, peringkat pertama kategori Best ATM Islamic Commercial Bank dari Infobank dan MRI. “Banking Service Excellence 2016”, first rank for the category of Best ATM Islamic Commercial Bank from Infobank and MRI.

tember 2016 29 Sep ber 29, 2016 Septem

“Global Islamic Finance Awards” kategori Best Social Media Campaign Award 2016 dari Committee of Global Islamic Finance Award. “Global Islamic Finance Awards” for the category of Social Media Campaign Award 2016 from the Committee of Global Islamic Finance Award.

ustus 2016 25 Ag August 25, 2016

“Infobank Award 2016” peringkat “Sangat Bagus” kategori Bank Aset Rp5 Triliun Ke Atas dari Infobank. “Infobank Award 2016” ranked “Very Good” for the category of Bank Asset of More Than Rp5 Trillion from Infobank.

tember 2016 30 Sep ber 30, 2016 Septem

“Infobank Sharia Finance Awards” peringkat “Sangat Bagus” atas Kinerja Keuangan selama Tahun 2015 kategori Bank Umum Syariah Terbaik dari Infobank. “Infobank Sharia Finance Awards” ranked “Very Good” for the Financial Performance throughout 2015 in the category of The Best Sharia Commercial Bank from Infobank.

tober 2 19 Ok 19 016 October , 2016


“Bisnis Indonesia Banking Award 2016” peringkat Best Performance Bank kategori Bank Syariah dari Bisnis Indonesia.

“Bisnis Indonesia Banking Award 2016” peringkat Most Efficient Bank kategori Bank Syariah dari Bisnis Indonesia.

“Bisnis Indonesia Banking Award 2016” rated Best Performance Bank for the category of Sharia Bank from Bisnis Indonesia

“Bisnis Indonesia Banking Award 2016” rated Most Efficient Bank in the category of Sharia Bank from Bisnis Indonesia.


“Anugerah Perbankan Indonesia V-2016” peringkat pertama kategori BUKU 1 Syariah (Aset < Rp5 triliun) dari Perbanas Institute bekerja sama dengan Majalah Economic Review. Peringkat 1 : Finance Peringkat 1 : Good Corporate overnance Peringkat 2 : Risk Management Peringkat 2 : Legal Peringkat 3 : Human Capital Peringkat 1 : Marketing Peringkat 2 : Information Technology Peringkat 1 : Corporate Social Responsibility Peringkat 1 : Corporate Communication

ember 2016 7 Des ber 7, 2016 Decem

“Indonesia Good Corporate Governance Award II 2016” peringkat GCG Terbaik Bank Syariah Di Indonesia Predikat : Sangat Baik (A) kategori Sektor : Keuangan - Bank (BUKU I – Aset > Rp5 triliun) dari Majalah Economic Review. “Indonesia Good Corporate Governance Award II 2016” rated The Best Good Corporate Governance of Sharia Bank in Indonesia with the predicate: Very Good (A) in the Sector category: Finance - Bank (BUKU 1 - Asset > Rp5 trillion) from the Economic Review Magazine.

“Anugerah Perbankan Indonesia V-2016” first rank in the category of BUKU 1 Sharia (Asset < Rp5 trillion) from Perbanas Institute in cooperation with Economic Review Magazine. First Place : Finance First Place : Good Corporate Governance Second Place : Risk Management Second Place : Legal Third Place : Human Capital First Place : Marketing Second Place : Information Technology First Place : Corporate Social Responsibility First Place : Corporate Communication

sember 2016 16 De ber 16, 2016 Decem

“Best Bank Brand 2016“ kategori Best Marketing and Campaign Activity dari Warta Ekonomi. "Best Bank Brand 2016" category of Best Marketing and Campaign Activity from Warta Ekonomi.


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Profil pejabat eksekutif

executive officer Profile

1

ARIEF GUNAWAN Kepala Divisi Bisnis Area III Head of Business Division Area III

Menjabat Kepala Divisi Bisnis Area III sejak 2015. Karier di perbankan dimulai sejak 1992 sebagai Staf Operasional, Account Officer, Manajer Bisnis, Kepala Cabang Bukittinggi, Kepala Cabang Melawai, Kepala Cabang Salemba, Manajer Pengembangan Produk, Manajer Supervisi Bisnis, dan terakhir menjabat Manajer Bisnis Area V. Has been serving as Head of Business Division Area III since 2015. His career in banking started in 1992 as Operations Staff, Account Officer, Business Manager, Head of Bukittinggi Branch, Head of Melawai Branch, Head of Salemba Branch, Product Development Manager, Business Supervision Manager, and most recently as Business Manager Area V.

2

MUHAMMAD KOSMOSA Kepala Divisi Teknologi dan Informasi Head of Information and Technology Division

Menjabat Kepala Divisi Teknologi Informasi sejak 2013. Berkarier di PT. Bank Bukopin, Tbk sejak 2003 hingga 2006. Kemudian, penugasan di Perseroan sejak 2006 hingga 2011, sebagai Manajer di bidang Teknologi Informasi dari 2011 sampai 2013. Has been serving as Head of Information and Technology Division since 2013. He started a career in PT. Bank Bukopin, Tbk since 2003 until 2006. Then, he was assigned in Company since 2006 until 2011 and as a Manager in the Information and Technology Division since 2011 until 2013.

3

EVI YULIA KURNIAWATI Kepala Sekretaris Perusahaan Head of Corporate Secretary

Menjabat Kepala Sekretaris Perusahaan sejak 2009. Sebelumnya, berkarier di media sebagai Asisten Redaktur, Reporter, Konsultan Media, Media Relation Manager, dan Manajer Humas. Has been serving as Head of Corporate Secretary since 2009. Previously, she had a career in media since 1999 as Assistant of Editor, Reporter, Media Consultant, Media Relation Manager and Manager of Public Relation.

44 |


4

AMIR SALAHUDIN Kepala Divisi Perencanaan Strategis dan Manajemen Penjualan Head of Strategic Planning and Sales Management

Menjabat Kepala Divisi Perencanaan Strategis dan Manajemen Penjualan sejak 2015. Pernah berkarier di PT. Bank Bukopin, Tbk sebagai Manajer Bisnis, Pemimpin Cabang, Bagian Manajemen Perusahaan Anak & Terafiliasi Divisi Manajemen Asset, dan terakhir Kepala Divisi Supervisi Bisnis & Fee Based. Has been serving as Head of Strategic Planning and Sales Management since 2015. He previously work in PT. Bank Bukopin, Tbk as Business Manager, Head of Branch, Subsidiary & Affiliated Management Section of Asset Management Division and most recently as Head of Business Supervision and Fee Based.

5

EDY KURNIAWAN Kepala Divisi Bisnis Area I Head of Business Division Area I

Menjabat Kepala Divisi Bisnis Area I sejak 2015. Mulai berkarier di perbankan sejak 1994 sebagai Account Officer dan Manajer Bisnis, dan terakhir Kepala Divisi Bisnis Area I dan Area III. Has been serving as Head of Business Division Area I since 2015. He started a career in banking since 1994 as Account Officer and Business Manager, and most recently as Head of Business Division Area I and III.

6

HERU HARYANTO Kepala Divisi Restrukturisasi & Penyelesaian Pembiayaan Head of Financing Restructuration & Settlement Division

Menjabat Kepala Divisi Restrukturisasi & Penyelesaian Pembiayaan sejak 2008. Memulai karier di perbankan sejak 1982, sebagai Staf Sundris, KPO, Kabag Sisdur, Kepala Cabang, Kepala Koordinator Funding, Kepala Kredit KPR, dan Kepala Divisi Pengembangan. Has been serving as Head of Financing Restructuration & Settlement Division since 2008. He started a career in banking since 1982 as Sundris Staff, Head of Operations, Head of System and Procedure Division, Branch Manager, Head of Funding Coordinator, Head of Mortgage Financing and Head of Development Division.

7

NIA RACHMANIA Kepala Divisi Pendanaan Komersial Head of Commercial Funding Division

Menjabat Kepala Divisi Pendanaan Komersial sejak 2014. Memulai karier diperbankan sejak 2008, dan terakhir menjabat Kepala Divisi Institusi/Komersial. Has been serving as Head of Commercial Funding since 2014. Started a career in banking since 2008 and most recently served as Head of Institution/Commercial Division.

8

M. ALI FAUZI Kepala Divisi Bisnis Area VI Kramat Jati Head of Business Division Area VI Kramat Jati

Menjabat Kepala Divisi Bisnis Area VI Kramat Jati sejak 2016. Karier di perbankan dimulai sejak 1996 sebagai Analis Kredit, Pemimpin Cabang Pembantu, dan terakhir menjabat Pemimpin Cabang Medan. Has been serving as Head of Business Division Area VI since 2016. His career in banking started since 1996 as Credit Analyst, Head of Sub-Branch, and most recently served as Head of Medan Branch.

9

10

FARHAN KAMIL Kepala Divisi Pembiayaan Komersial Head of Commercial Financing Division

Menjabat Kepala Divisi Pembiayaan Komersial sejak 2014. Mulai berkarier di perbankan sejak 2002 sebagai Account Officer, Collection Manager dan Branch Manager, dan terakhir menjabat sebagai Kepala Divisi Bisnis Area I & V. Has been serving as Head of Commercial Financing Division since 2014. He started a career in banking since 2002 as Account Officer, Collection Manager, and Branch Manager, and most recently served as Head of Business Division Area I & V.

11

RAYMOUND SYAHRIL Kepala Divisi Support Pembiayaan Head of Financing Support Division

Menjabat Kepala Divisi Support Pembiayaan sejak 2009. Memulai karier di perbankan sejak 1994, sebagai Staf Legal, Legal Officer, Koordinator Kebijakan Pengembangan SDM, dan sebelumnya menjabat sebagai Kepala Divisi SDM & Diklat. Has been serving as Head of Financing Support Division since 2009. He started a career in banking since 1994 as Legal Staff, Legal Officer, Coordinator of Human Resources Development Policy, and most recently as Head of Human Resource and Training Division.

LILIS SULINDAH Kepala Divisi Kepatuhan Head of Compliance Division

Menjabat Kepala Divisi Kepatuhan sejak 2015. Berkarier di perbankan sejak 1992, dan terakhir menjabat Kepala Divisi Manajemen Risiko. Has been serving as Head of Compliance Division since 2015. He started a career in banking since 1992 and most recently served as Head of Risk Management Division.


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Profil pejabat eksekutif Executive Officer Profile

12

HARIS SURIA PUTRA Kepala Divisi Bisnis Area II/Cabang Melawai Head of Business Division Area II/ Melawai Branch

Menjabat Kepala Divisi Bisnis Area II/Cabang Melawai sejak 2014. Karier di perbankan dimulai sejak 2001 sebagai Kepala Kantor Kas, dan terakhir menjabat Kepala Kantor Cabang. Is serving as Head of Business Division Area II/Melawai Branch since 2014. His career in banking started since 2001 as Head of Cash Office and most recently as Head of Branch Office.

13

DONY WICAKSONO Kepala Divisi Bisnis Area V Head of Business Division Area V

Menjabat Kepala Divisi Bisnis Area V sejak 2015. Memulai karier di perbankan sejak 2008 sebagai Risk Management Officer, Account Officer, Team Leader Account Officer Area II, dan terakhir menjabat Manajer Bisnis Area II. Has been serving as Head of Business Division Area V since 2015. He started a career in banking since 2008 as Risk Management Officer, Account Officer, Team Leader of Account Officer Area II, and most recently as Business Manager Area II.

14

NOOR CHOLIS Kepala Divisi Pengembangan Produk Head of Product Development Division

Menjabat Kepala Divisi Pengembangan Produk sejak 2009. Berkarier di PT. Bank Bukopin, Tbk sejak 1987 sebagai Officer Kredit, Kepala Bagian Kredit, Project Officer Syariah, dan berbagai Pemimpin Cabang Sementara. Has been serving as the Head of Product Development Division since 2009. He started a career in PT. Bank Bukopin, Tbk since 1987 as Credit Officer, Head of Credit Division, Sharia Project Officer and as Temporary Branch Manager in various branches.

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15

ADE CHANDRA Kepala Divisi Pelayanan Head of Service Division

Menjabat Kepala Divisi Pelayanan sejak 2009. Berkarier di PT. Bank Bukopin, Tbk sejak 1987, dengan jabatan yang pernah diduduki sebagai Pemimpin Cabang Pembantu, SKAI, serta Manajer Pelayanan dan Operasi. Has been serving as Head of Service Division since 2009. He started a career in PT. Bank Bukopin, Tbk since 1987 as Head of Sub-Branch, Internal Audit Task Force and Manager of Service and Operations Division.

16

BENNY SETYAWAN DIMYATI Kepala Divisi Bisnis Area IV/ Capem Bekasi Head of Business Division Area IV/ Sub-branch of Bekasi

Menjabat Kepala Divisi Bisnis Area IV/Capem Bekasi sejak 2014. Karier di perbankan dimulai sejak 2000, sebagai Account Officer, Sub Branch Manager, dan Branch SME Manager. Has been serving as Head of Business Division Area IV/ Sub-branch of Bekasi since 2014. His career in banking started in 2000 as Account Officer, Sub Branch Manager, and Branch SME Manager.

17

ANDRIANSYAH Kepala Divisi Bisnis Mikro Head of Micro Business Division

Menjabat Kepala Divisi Bisnis Mikro sejak 2014. Memulai karier di lembaga keuangan sejak 2003 sebagai Funding Officer, dan terakhir menjabat Direktur Koperasi Nusantara. Is serving as Head of Micro Business Division since 2014. Started a career in financial institution since 2003 as Funding Officer and most recently served as Director of Koperasi Nusantara.

18

RISMARINI Kepala Divisi Sumber Daya Insani Head of Human Resources Division

Menjabat sebagai Kepala Divisi Sumber Daya Insani sejak 2009. Mulai berkarier sebagai Recruitment Officer, Recruitment and Manpower Planning Head, dan HR Relation Manager sejak 1990. Has been serving as Head of Human Resources Division since 2009. Her career started as Recruitment Officer, Recruitment and Manpower Planning Head, and HR Relation Manager since 1990.

19

ELMAR MAROZA Kepala Satuan Kerja Audit Intern Head of Internal Audit Task Force

Menjabat Kepala SKAI sejak 2010. Mulai berkarier di perbankan sejak 1997, dan jabatan yang pernah diduduki sebagai Manajer Pelayanan dan Operasi. Has been serving as Head of Internal Audit Task Force since 2010. His career in banking started in 1997 and he previously served as Service and Operations Manager.

20

ANAS FADLI Kepala Divisi Supervisi Bisnis Head of Business Supervision Division

Menjabat sebagai Kepala Divisi Supervisi Bisnis sejak 2015. Karier di perbankan dimulai sejak 1988 sebagai Account Officer, Pemimpin Cabang Banda Aceh, Pemimpin Cabang Padang, Pemimpin Cabang Yogyakarta, Pemimpin Cabang Semarang, dan terakhir Kepala Divisi Area V BSD PT Bank Bukopin Tbk. Has been serving as Head of Business Supervision Division since 2015. His career in banking started in 1988 as Account Officer, Head of Banda Aceh Branch, Head of Padang Branch, Head of Yogyakarta Branch, Head of Semarang Branch, and most recently as Head of Division Area V BSD PT Bank Bukopin Tbk.

21

DONNY SUWARDONO Kepala Divisi Operasi dan Analisa Keuangan Head of Operations and Financial Analysis Division

Menjabat Kepala Divisi Operasi dan Analisa Keuangan sejak 2011. Jabatan yang pernah diduduki adalah sebagai Manajer Kantor Akuntan Publik Ernst & Young Arthur Andersen dan di PT.Bank Bukopin, Tbk sebagai Manajer Akuntansi & Perpajakan. Has been serving as Head of Operations and Financial Analysis Division since 2011. He previously served as Manager of Public Accountant Office Ernst & Young Arthur Andersen and as Manager of Account & Tax in PT Bank Bukopin, Tbk.


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Profil pejabat eksekutif Executive Officer Profile

22

YUANDA ANGKA KUSUMA Pemimpin Cabang Medan Head of Medan Branch

Menjabat sebagai Pemimpin Cabang Medan. Berkarier di perbankan sejak 2011 sebagai Account Officer, Koordinator Bisnis Area, dan terakhir sebagai Pemimpin Cabang Sidoarjo. Is serving as Head of Medan Branch. His career in banking started since 2011 as Account Officer, Coordinator of Business Areas, and most recently served as Head of Sidoarjo Branch.

23

MUHAMMAD DONNI RIYANGGA Pemimpin Cabang Yogyakarta Head of Yogyakarta Branch

Menjabat sebagai Pemimpin Cabang Yogyakarta sejak 2013. Karier di perbankan dimulai sejak 2007, terakhir menjabat Funding Manager dan Project Officer Cabang Yogyakarta. Is serving as Head of Yogyakarta Branch since 2013. His career in banking started since 2007 and most recently served as Funding Manager and Project Officer of Yogyakarta Branch.

24

TRISNA SURJATRI Pemimpin Cabang Surabaya Head of Surabaya Branch

Menjabat sebagai Pemimpin Cabang Surabaya. Berkarier di PT. Bank Bukopin, Tbk sejak 1989 dimulai dari Staf Marketing, Head SBL, Officer, Pemimpin Cabang Pembantu, dan terakhir menjabat Pemimpin Cabang Sidoarjo. Is serving as Head of Surabaya Branch. She has a career in PT. Bank Bukopin, Tbk since 1989 as Marketing Staff, Head of SBL, Officer, Head of Sub-Branch and Head of Sidoarjo Branch.

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25

IMAM PAMUJI Pemimpin Cabang Semarang Head of Semarang Branch

Menjabat sebagai Pemimpin Cabang Semarang. Memulai karier di perbankan sejak 2010 sebagai Account Officer, Manajer Pelayanan Operasional, dan terakhir menjabat Manajer Bisnis. Is serving as Head of Semarang Branch. Started a career in banking since 2010 as Account Officer, Operations & Service Manager, and most recently served as Business Manager.

26

TEGUH SURYADI Pemimpin Cabang Bukittinggi Head of Bukittinggi Branch

Menjabat sebagai Pemimpin Cabang Bukittinggi. Berkarier di Perseroan sejak 2004 sebagai Account Officer, Koordinator Bisnis, Manajer Bisnis, Pemimpin Cabang Samarinda, dan terakhir menjabat Pemimpin Cabang Solo. Is serving as Head of Bukittinggi Branch. She had been serving in the Company since 2004 as Account Officer, Business Coordinator, Business Manager, Head of Samarinda Branch, and most recently as Head of Solo Branch.

27

ABDUL MAJID Pemimpin Cabang Samarinda Head of Samarinda Branch

Menjabat sebagai Pemimpin Cabang Samarinda. Sebelumnya sebagai Account Officer, dan Team Leader Bisnis Lending Komersial. Is serving as Head of Samarinda Branch. He previously served as Account Officer and Team Leader of Commercial Lending Business.

28

HADI SUYANTO Pemimpin Cabang Bandung Head of Bandung Branch

Menjabat sebagai Pemimpin Cabang Bandung. Jabatan yang pernah diduduki sebagai Manajer Mikro, Manajer UKM, Pimpinan Cabang, Manajer Operasional, Manajer Konsumer, dan Pemimpin Cabang beberapa daerah lainnya. Is serving as Head of Bandung Branch. He had served as Mikor Manager, Manager of Small and Medium Enterprise, Head of Branch, Operations Manager, Consumer Manager and Head of Branch of other areas.

29

JUFRI H. AHMAD

30

SANTI AJI YUNIASIH Pemimpin Cabang Sidoarjo Head of Sidoarjo Branch

Menjabat sebagai Pemimpin Cabang Sidoarjo. Sebelumnya sebagai Account Officer, Team Leader Pembiayaan, dan Manager Bisnis. Is serving as Head of Sidoarjo Branch. She previously served as Account Officer, Team Leader of Financing and Business Manager.

31

NUZULUL KHAQ Pemimpin Cabang Solo Head of Solo Branch

Menjabat sebagai Pemimpin Cabang Solo. Berkarier di Perseroan sejak 2010 sampai 2013 sebagai Manager Bisnis, dan terakhir menjabat Pemimpin Cabang Samarinda. Is serving as Head of Solo Branch. He had a career in the Company from 2010 until 2013 as Business Manager and most recently served as Head of Samarinda Branch.

Pemimpin Cabang Makassar Head of Makassar Branch

Menjabat sebagai Pemimpin Cabang Makassar. Berkarier di PT. Bank Bukopin,Tbk sejak 1986. Jabatan yang pernah diduduki sebagai Manager Bisnis dan Pemimpin Cabang beberapa daerah lainnya. Is serving as Head of Makassar Branch. He had served in PT. Bank Bukopin, Tbk since 1986 as Business Manager and Head of Branch of other areas.


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Bidang Usaha Line of Business

B

B

1. Menghimpun dana dari masyarakat dalam bentuk simpanan yang meliputi: a. Giro berdasarkan prinsip Wadi’ah;

1. Raise funds from the public in the form of deposits which include: a. Current accounts, based on the principle of Wadi’ah; b. Saving, based on Wadi’ah or Mudharabah principle; c. Time deposits, based on the principle of Mudharabah. 2. Channeling funds through: a. Buying and selling based on the principles of: (i) Murabahah. (ii) Istishna. (iii) Salam. (iv) Other Trading. b. Profit sharing principle based on: (i) Mudharabah. (ii) Musyarakah. (iii) Other profit sharing. c. The lease principle based on:

erdasarkan Anggaran Dasar, Perseroan bergerak dalam bidang usaha perbankan berdasarkan prinsip syariah. Perseroan menjalankan kegiatan usaha berupa penghimpunan dana dan penyaluran pembiayaan dengan fokus pada sektor Usaha Mikro Kecil dan Menengah (UMKM), usaha komersial, dan konsumer, serta penyediaan jasa-jasa fee-based kepada nasabah, termasuk Bank Garansi. Adapun kegiatan usaha yang bisa dilakukan, meliputi:

b. Tabungan berdasarkan prinsip Wadi’ah atau Mudharabah; c. Deposito berjangka berdasarkan Prinsip Mudharabah. 2. Melakukan penyaluran dana melalui: a. Prinsip jual beli berdasarkan akad: (i) Murabahah. (ii) Istishna. (iii) Salam. (iv) Jual beli lainnya. b. Prinsip bagi hasil berdasarkan akad: (i) Mudharabah. (ii) Musyarakah. (iii) Bagi hasil lainnya. c. Prinsip sewa menyewa berdasarkan akad: (i) Ijarah. (ii) Ijarah Muntahiya Bittamlik. d. Prinsip pinjam-meminjam berdasarkan akad Qardh. e. Pemberian jasa pelayanan perbankan berdasarkan akad: (i) Wakalah. (ii) Hawalah. (iii) Kafalah. (iv) Rahn. 3. Membeli, menjual, dan/atau menjamin atas risiko sendiri surat-surat berharga pihak ketiga yang diterbitkan atas dasar transaksi nyata (underlying transaction) berdasarkan prinsip syariah. 4. Membeli surat-surat berharga Pemerintah dan/atau Bank Indonesia yang diterbitkan atas dasar prinsip syariah. 5. Memindahkan uang untuk kepentingan sendiri dan/atau nasabah berdasarkan prinsip Wakalah.

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ased on the Articles of Association, the Company is engaged in the banking business based on sharia principles. The Company operates business activities in the form of fund collection and distribution of funding with a focus on Small Medium Enterprise (SME) business sector, commercial, and consumer, as well as fee based services to customers, including Bank Guarantee. The business activities that has been done include:

(i) Ijarah. (ii) Ijarah Muntahiya Bittamlik. d. Lending principle based on Qardh agreement. e. Provision of banking services based on: (i) Wakalah. (ii) Hawalah. (iii) Kafalah. (iv) Rahn. 3. Buy, sell, and / or ensure at his own risk securities issued by a third party on real transactions basis (underlying transaction) based on sharia principal. 4. Purchase of marketable securities Government and/or Bank Indonesia issued on the basis of sharia. 5. Move the money for its own benefit and /or customers based on the principle of Wakalah.

6. Menerima pembayaran tagihan atas surat berharga yang diterbitkan dan melakukan perhitungan dengan atau antar pihak ketiga berdasarkan prinsip syariah. 7. Menyediakan tempat untuk menyimpan barang dan surat-surat berharga berdasarkan prinsip Wadi’ah Yad Amanah. 8. Melakukan kegiatan penitipan termasuk penatausahaannya untuk kepentingan pihak lain berdasarkan suatu kontrak dengan prinsip Wakalah. 9. Melakukan penempatan dana dari nasabah kepada nasabah lain dalam bentuk surat berharga yang tidak tercatat di Bursa Efek berdasarkan prinsip Ujrah. 10. Memberikan fasilitas Letter of Credit (L/C) berdasarkan Prinsip Wakalah, Murabahah, Mudharabah, Musyarakah, dan Wadi’ah, serta memberikan fasilitas Bank Garansi berdasarkan prinsip syariah. 11. Melakukan kegiatan usaha kartu debet berdasarkan prinsip syariah. 12. Melakukan kegiatan wali amanat berdasarkan prinsip Wakalah. 13. Melakukan kegiatan lain yang lazim dilakukan Perseroan sepanjang disetujui oleh Bank Indonesia dan mendapat fatwa dari Dewan Syariah Nasional. 14. Melakukan kegiatan usaha lain meliputi: a. Melakukan kegiatan penyertaan modal berdasarkan prinsip syariah pada Perseroan atau perusahaan lain yang melakukan kegiatan usaha berdasarkan prinsip syariah. b. Melakukan kegiatan penyertaan modal sementara berdasarkan prinsip syariah untuk mengatasi akibat kegagalan pembiayaan dengan syarat harus menarik kembali penyertaannya. c. Bertindak sebagai pendiri dana pensiun dan pengurus dana pensiun berdasarkan prinsip syariah sesuai dengan ketentuan dalam perundang-undangan dana pensiun yang berlaku. d. Bertindak sebagai penerima dana sosial antara lain dalam bentuk: zakat, infaq, shadaqah, waqaf, hibah, atau dana sosial lainnya sesuai prinsip syariah atas nama

6. Received payment on securities issued and perform calculations with or among third parties based on sharia principles.

7. Provide a place to keep goods and securities based on the principle of Wadi’ah Yad Amanah. 8. Conducting custody including its administration for the benefit of another party based on a contract with Wakalah principle. 9. Placement of funds from customer to other customer in the form of securities that are not listed on the Stock Exchange based on the Ujrah principle. 10. Provide Letter of Credit (L / C) based on the principle of Wakalah, Murabaha, Mudaraba, Musharaka, and Wadi’ah, as well as provide facilities Bank Guarantee based on sharia principles. 11. Conducting debit card business based on sharia principles. 12. Conducting trustee based Wakalah principle. 13. Perform other activities are prevalent throughout the Company approved by Bank Indonesia and got a fatwa of the National Sharia Council. 14. Perform other business activities include: a. Conducting equity based on sharia principles on Company or other companies conducting business based on sharia principles. b. Temporary investment activities based on sharia principles to overcome the consequences of the failure of financing, subject to retract their ownership interests. c. Acting as the founder of pension funds and pension fund managers based on sharia principles in accordance with the provisions in the applicable legislation pension funds. d. Acting as a social grant recipients, among others in the form of: charity, infaq, sadaqah, waqaf, grants, or other social funds in accordance sharia on behalf of the Company


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Perseroan atau lembaga amil zakat yang ditunjuk oleh Pemerintah.

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or other amil zakat institutions appointed by the Government.

PRODUK PENDANAAN

FUNDING PRODUCTS

1. Tabungan iB SiAga Simpanan pada Perseroan untuk perorangan dalam bentuk mata uang rupiah. Penarikannya dapat dilakukan secara sewaktu-waktu dengan cara tertentu yang telah dipersyaratkan.

1. iB SiAga Savings Individual savings in Rupiah currency. Withdrawal can be done at any time in a certain requirement.

2. Tabungan iB Haji Simpanan untuk perorangan dalam bentuk mata uang rupiah untuk yang mempunyai rencana berangkat ibadah Haji.

2. iB Haji Savings Individual saving in Rupiah currency, for Simpanan untuk perorangan dalam bentuk mata uang Rupiah for customer planned to set out the Hajj.

3. Tabungan iB Rencana Jenis tabungan berjangka dengan potensi bagi hasil yang kompetitif guna memenuhi kebutuhan di masa yang akan datang, sekaligus memberikan manfaat proteksi asuransi jiwa gratis.

3. iB Rencana Savings Type of savings deposits with a potential for competitive results in order to meet the needs in the future, as well as provide free life insurance protection benefits.

4. Tabungan iB SiAga Bisnis Simpanan yang diperuntukan bagi perorangan dan badan usaha, yang penarikannya dapat dilakukan sesuai dengan syarat dan ketentuan tertentu yang telah disepakati dan tidak dapat ditarik dengan cek, bilyet, giro atau media lainnya yang dipersamakan dengan itu.

4. iB SiAga Bisnis Savings Savings that are intended for individuals and business entities, which may be withdrawn in accordance with the specific terms and conditions that have been agreed upon and cannot be withdrawn by check, bank draft, current accounts or other media that is equivalent to them.

5. TabunganKu iB Tabungan untuk perorangan dengan persyaratan mudah dan ringan yang diterbitkan secara bersama oleh bankbank di Indonesia guna menumbuhkan budaya menabung serta meningkatkan kesejahteraan masyarakat.

5. iB TabunganKu Savings for individuals with easy and light requirements issued jointly by banks in Indonesia in order to foster the culture of saving and improving the welfare of society.

6. Tabungan SimPel iB Tabungan untuk siswa yang diterbitkan secara bersama oleh seluruh bank di Indonesia, dengan persyaratan mudah dan sederhana serta fitur yang menarik dalam rangka edukasi dan inklusi keuangan untuk mendorong budaya menabung sejak usia dini.

6. iB SimPel Savings Savings for students issued jointly by all banks in Indonesia, with an easy and simple requirements and features of interest in the framework of education and financial inclusion to promote the culture of saving from an early age.

7. Deposito iB Jenis simpanan dalam mata uang rupiah yang penarikannya hanya dapat

7. iB Deposits Type of deposits in rupiah currency which can be withdrawn only at a specific time


dilakukan pada waktu tertentu menurut perjanjian antara deposan dengan pihak Perseroan.

according to the agreement between the depositors with the Company.

8. Giro iB Simpanan yang dapat digunakan sebagai alat pembayaran dan penarikannya dapat dilakukan setiap saat dengan menggunakan cek atau sarana perintah pembayaran lainnya atau melalui pemindahbukuan lainnya.

8. iB Giro Savings that can be used as a payment instrument and can be withdrawn at any time using checks or other forms of payment order or via other entry.

9. Giro iB Matic Fasilitas pemindahbukuan secara sistem dari Tabungan untuk memenuhi kekurangan dana pada rekening Giro iB serta pemindahbukuan dari rekening Giro iB ke rekening Tabungan iB atau sebaliknya untuk optimalisasi dana nasabah.

9. iB Giro Matic Transfer facilities in the system of savings to meet the shortage of funds on the account as well as the Giro iB transfer from iB current account to iB savings account or otherwise for the optimization of customer funds.

PEMBIAYAAN

FINANCING

1. Pembiayaan iB Jual-Beli (Murabahah) Jual-beli barang pada harga asal dengan tambahan keuntungan yang disepakati.

1. iB Financing on Selling and Buying (Murabahah) To buy and sell in the original price with the agreed upon added advantage.

2. Pembiayaan iB Bagi Hasil (Musyarakah) Kerjasama 2 (dua) pihak atau lebih untuk suatu usaha tertentu, masing-masing pihak memberikan kontribusi dana dan atau karya/keahlian dengan kesepakatan keuntungan dan resiko menjadi tanggungan bersama sesuai kesepakatan.

2. iB Financing on Profit Sharing (Musyarakah) Colaboration between 2 (two) or more parties to a particular business, each party contributes funds and or work / expertise with the agreement of the benefits and risks to be borne jointly as agreed.

3. Pembiayaan iB Bagi Hasil (Mudharabah) Kerjasama antara pemilik modal dan pengelola untuk suatu usaha tertentu dengan kesepakatan bagi hasil.

3. iB Financing on Profit Sharing (Mudharabah) Colaboration between capital owners and managers for a particular business by profit sharing agreement.

4. Pembiayaan Mudharabah iB Investasi Terikat (Mudharabah Muqayyadah) Kegiatan usaha yang cakupannya dibatasi oleh spesifikasi jenis usaha, waktu dan daerah sesuai permintaan pemilik dana.

4. iB Mudharabah Bound Investment (Mudharabah Muqayyadah) The business activities whose scope is limited by the specifications of the type of effort, time and area to suit the owner’s request the funds.

5. Pembiayaan iB Pinjaman (Qardh) Pinjam meminjam dana tanpa imbalan dengan kewajiban pihak peminjam mengembalikan pokok pinjaman secara sekaligus atau cicilan dalam jangka waktu tertentu.

5. iB Financing Loans (Qardh) Borrowing funds without remuneration with the obligation of the borrower returns the loan principal in a lump sum or in installments within a certain period.


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6. Pembiayaan iB Istishna Akad jual beli dimana bank (penjual) memesan barang kepada pihak lain (produsen) untuk menyediakan barang sesuai dengan kriteria dan persyaratan tertentu yang telah disepakati nasabah (pembeli) dengan pembayaran sesuai dengan kesepakatan.

6. iB Financing Istishna Selling and Buying agreement in which the bank (seller) ordered the goods to another party (the manufacturer) to supply goods in accordance with the criteria and requirements for certain agreed customer (buyer) with payment in accordance with the agreement.

7. Pembiayaan iB Kepemilikan Mobil (iB KPM) Fasilitas pembiayaan kepemilikan mobil yang menggunakan akad Murabahah, yaitu jual beli barang sebesar harga perolehan ditambah dengan margin yang disepakati oleh penjual dan pembeli.

7. iB Financing Car Ownership (iB KPM) Car ownership financing facilities that use Murabahah, namely the sale of goods at cost plus a margin that is agreed upon by the seller and the buyer.

8. Pembiayaan iB Kepemilikan Rumah (iB KPR) Pembiayaan konsumsi yang diberikan kepada nasabah untuk pembelian Rumah tapak, Rumah susun, Rumah toko dan/atau Rumah kantor.

8. iB Financing Property Ownership (iB KPR) Consumer finance provided to customers to purchase tread Houses, flats, Home store and / or the Home office.

9. Pembiayaan iB Kepada Koperasi Karyawan/Pegawai untuk Anggota (iB K3A) Pembiayaan yang diberikan oleh Perseroan kepada Koperasi Karyawan (kopkar), Koperasi Pegawai, Koperasi Pegawai Negeri (KPN) atau koperasi sejenis lainnya yang diteruskan kepada anggotanya untuk memenuhi berbagai kebutuhan.

9. iB Financing To Members of Employee Cooperative / Officers (iB K3A)

10. Pembiayaan iB Jaminan Tunai Pemberian pembiayaan dengan jaminan cash collateral yang ada di Perseroan dan diblokir sampai dengan pembiayaan lunas. 11. Pembiayaan iB Pola Channeling - Pembiayaan iB Mobil Pola Channeling melalui Multifinance adalah pembiayaan pemilikan kendaraan kepada end user yang dilakukan melalui perusahaan Multifinance yang dapat dilakukan secara pembiayaan bersama (joint financing) atau pembiayaan penuh (full financing). - Pembiayaan kepada Pensiunan Pola Channeling melalui Koperasi adalah pembiayaan yang diberikan

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Financing provided by the Company to Employees Cooperative (Kopkar), Official Cooperative (KPN) or other similar cooperatives are passed on to its members to meet various needs.

10. iB Jaminan Tunai The provision of financing with cash collateral guaranteed in the Company’s and the collateral will be blocked until the financing is paid off. 11. iB Pembiayaan Pola Channeling - iB Pembiayaan Mobil Financing Car Channeling pattern through Multifinance is car ownership financing through Multifinance company with joint financing or full financing system.

-

Financing to Pensioners Channelling patterns through Cooperative is financing provided by the

Perseroan kepada pensiunan atau Janda/Duda (karena penerima pensiun meninggal) yang menerima uang pensiun secara rutin setiap bulannya yang dilakukan melalui koperasi. Pensiunan dimaksud meliputi Pensiunan PNS, TNI/POLRI yang mendapatkan uang pensiun dari Negara.

Company to the pensioner or widow/ widower (if the pensioners already passed away) who received a routine pension every month through the cooperative. Retirement shall include retired from civil servants, military / police who get a pension from the State.

12. Pembiayaan iB SiaGa Emas (Gadai) Produk pembiayaan dimana Perseroan memberikan fasilitas pinjaman berdasarkan prinsip Qardh kepada nasabah dengan menjaminkan emas. Emas yang diagunkan tersebut akan disimpan dan dipelihara oleh Perseroan, dan atas pemeliharaan tersebut bank mengenakan biaya sewa dengan prinsip Ijarah.

12. iB Pembiayaan SiaGa Emas (Mortgage) Financing products which provide loan facilities to customers based on Qardh principle by pledging gold. The gold was pledged to be kept and maintained by the Company, and for the maintenance, bank will charge a lease with the principle of Ijarah.

13. Pembiayaan iB Kepemilikan Emas (Murabahah Emas) Pembiayaan yang diberikan oleh Bank kepada nasabah dengan menggunakan akad Murabahah dalam rangka membantu nasabah untuk memiliki emas.

13. iB Pembiayaan Kepemilikan Emas (Murabahah Gold) Financing provided by the Bank to its customers by using Murabahah in order to help customers to own gold.

14. Pembiayaan iB SiAga Pendidikan Fasilitas pembiayaan yang diberikan oleh Perseroan kepada masyarakat secara prinsip Ijarah untuk membiayai kebutuhan dalam rangka memperoleh manfaat atas suatu jasa paket biaya pendidikan tinggi di Perguruan Tinggi Muhammadiyah.

14. iB Pembiayaan SiAga Pendidikan Financing facilities provided by the Company to the public at the Ijarah principle to finance the needs in order to obtain the benefits of a service package cost of higher education at the University of Muhammadiyah.

15. Pembiayaan iB SiAga Pensiun Fasilitas pembiayaan dengan prinsip Murabahah yang diberikan oleh Bank kepada penerima pensiun yang menerima uang pensiun secara rutin setiap bulan dari Anggaran Pendapatan Belanja Negara.

15. iB Pembiayaan Pensiun Murabahah financing facility with the principles given by the Bank to pensioners who receive pension money regularly every month from the State Budget.

LAYANAN

SERVICES

1. Transfer Produk jasa yang disediakan Perseroan untuk memindahkan sejumlah dana atas perintah si pemberi amanat dari Kantor Cabang Perseroan kepada penerima transfer pada bank lain atau pemindahan dana dari bank lain untuk nasabah Perseroan sebagai penerima.

1. Transfer Services provided by the Company to transfer sum of fund by order from customer to recipient in branch office to other bank or transferring fund from other bank to the Company’s customer as a recipient.


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56 |

2. Safe Deposit Box iB (SDB iB) Fasilitas jasa bagi nasabah untuk menyimpan barang-barang berharga dan dokumen pribadi yang rahasia dengan sistem pengamanan berteknologi modern.

2. iB Safe Deposit Box (iB SDB) Service facility for customers to store valuables and personal confidential documents with modern tech security system.

3. Kliring Produk jasa yang disediakan untuk menjembatani tukar-menukar surat berharga (cek, bilyet giro, warkat) yang diterbitkan perbankan antara bank-bank yang menjadi anggota kliring, di mana anggota kliring tersebut ditentukan oleh Bank Indonesia.

3. Clearing Services provided to bridge exchange securities (cheque, transfer form, letter) publish by banking in between members of clearing banks, in which the members will be choose by Bank Indonesia.

4. Inkaso Inkaso iB atau Collection adalah suatu cara penagihan dengan cara mengirimkan dokumen kepada Bank dengan maksud mendapatkan pembayaran atau akseptasi atau berdasarkan syarat-syarat lainnya.

4. Collection Collection is a way of billing by sending the documents to the Bank with the purpose of obtaining payment or acceptance or conditional on other terms.

5. RTGS (Real Time Gross Settlement) Suatu sistem transfer dana dalam mata uang rupiah yang penyelesaiannya dilakukan secara online antar peserta per transaksi secara individual, dimana sistem BI-RTGS diselenggarakan Bank Indonesia.

5. RTGS (Real Time Gross Settlement) A system of fund transfer in rupiah currency with settlement conducted online among participants per individual transaction, where the BI-RTGS system organized by Bank Indonesia.

6. Kartu ATM Bank Syariah Bukopin Fasilitas layanan kepada nasabah untuk melakukan transaksi perbankan dengan perangkat mesin ATM (Automatic Teller Machine) yang dimiliki atau ditunjuk oleh Perseroan.

6. ATM Card Bank Syariah Bukopin Service facility to customers to conduct banking transactions with the ATM machine (Automatic Teller Machine) owned or design by the Company.

7. Payment Point Fasilitas jasa perbankan yang diberikan kepada nasabah untuk melakukan pembayaran atas tagihan-tagihan yang bersifat rutin.

7. Payment Point Banking facilities which provide services for customer to make routine bill payment.

8. Bank Garansi iB Jaminan dalam bentuk warkat yang diterbitkan oleh Perseroan yang mengakibatkan kewajiban membayar terhadap pihak yang menerima jaminan apabila pihak yang dijamin cidera janji (wanprestasi).

8. iB Bank Guarantee Collateral in the form of paper,issued by the Company which cause the obligation to pay to the party receiving collateral if the guaranteed party breach of contract (default).


9. Halo BSB 1500 666 Fasilitas layanan kepada nasabah untuk dalam memberikan layanan informasi dan penanganan perbankan dengan menggunakan perangkat telepon.

9. Halo BSB 1500 666 Service facility to customers for the service and handling information using the telephone banking.

10. Cash Management Layanan perbankan elektronik yang memudahkan nasabah dalam melakukan akses inquiry saldo dan transaksi secara Real Time On-Line melalui terminal komputer dari lokasi usaha masing-masing sehingga pengelolaan keuangan menjadi lebih efektif, efisien dan tersentralisasi.

10. Cash Management Electronic banking service that allows customers to do a balance inquiry and transaction Access in Real Time OnLine through a computer terminal of each business location so that financial management becomes more effective, efficient and centralized.

11. Penerimaan Setoran Wakaf Uang Menerima wakaf yang dilakukan seseorang, kelompok orang, lembaga atau badan hukum dalam bentuk uang yang dapat dikelola secara produktif oleh Nadzir dan hasilnya dimanfaatkan untuk kesejahteraan ekonomi umat.

11. Acceptance of Waqf/Endowment of Deposit Money Receive endowments from a person, group, institution or legal entity in the form of money that can be managed productively by Nadzir and the results are used for the economic welfare of the people.

12. SMS Banking BSB Suatu layanan informasi dan transaksi perbankan yang dapat diakses langsung oleh nasabah melalui telepon seluler/handphone dengan menggunakan media Short Message Service (SMS).

12. SMS Banking BSB A information and transaction banking services that can be accessed directly by customers via cell phone/mobile media using short message service (SMS).

13. Mobile BSB Suatu layanan transaksi perbankan dan pembayaran tagihan yang dapat diakses langsung oleh nasabah melalui telepon seluler/ponsel.

13. Mobile BSB A transaction of banking services and bill payments that can be accessed directly by customers via mobile phone.


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Sumber Daya Insani

Human Resources

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Terus Meningkatkan Kompetensi Keep Increasing Competency Kompetensi SDI yang mumpuni sangat dibutuhkan untuk mendorong kemajuan bisnis Perseroan. Karena itu, pengelolaan SDI harus dilakukan secara tepat dan berkelanjutan. Competent Human Resources is highly needed to push the improvement of the Company’s business. Therefore, Human Resources management must be done correctly and continuously.

K

T

emajuan zaman mendorong perilaku dan kebutuhan nasabah berubah. Untuk merespon hal itu dibutuhkan inovasi dan peningkatan pelayanan yang terus-menerus. Sumber Daya Insani (SDI) menjadi salah satu penentu bagi kemajuan dan kesinambungan bisnis Perseroan. Karena itu, SDI menjadi aset yang tak ternilai (intangible asset) bagi Perseroan.

he modern era changes the customer’s behavior and needs. As a response to this, the Company needs continuously innovate and improve their services. Human resources becomes one of the determinants of improvement and continuity of the Company’s business. Therefore, human resources became an intangible asset for the Company.

SDI yang memiliki kompetensi dan integritas mumpuni akan memberikan kontribusi yang baik dan positif bagi perkembangan bisnis dan usaha Perseroan. Terkait hal itu, Perseroan selalu mengupayakan yang terbaik dalam melakukan pengelolaan dan manajemen SDI.

Competent human resources that have integrity will give a great and positive contribution towards the Company’s business development and venture. In relation to this, the Company will always seek for the best in human resources management.

Pada pelaksanaannya, SDI terbaik selalu dipilih dalam proses seleksi dan rekrutmen yang dilakukan oleh Perseroan. Selanjutnya, Manajemen Perseroan melakukan pengelolaan dan manajemen SDI secara tepat dalam rangka meningkatkan kompetensi yang dibutuhkan pada tahap berikutnya, melalui berbagai program pelatihan dan pendidikan. Diharapkan dari pengelolaan dan manajemen yang dilakukan, SDI yang ada bisa memiliki kompetensi yang baik. Pada akhirnya, diharapkan Perseroan bisa meraih kinerja yang positif dan memperoleh pertumbuhan bisnis yang berkesinambungan.

In the implementation, the best human resources will be chosen in a selection and recruitment process that is done by the Company. Furthermore, the Company’s management performs proper Human Resources supervision and management in order to increase their competency through various training and education program. Therefore, the existing human resources is expected to have a good competency. Eventually, the Company is expected to achieve positive performance and obtain sustainable business growth.


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Sumber Daya Insani Human Resources

Pengembangan SDI Sepanjang 2016, Perseroan melakukan berbagai pendidikan dan pelatihan dalam rangka meningkatkan kompetensi SDI. Berikut ini pendidikan dan pelatihan yang diadakan, sebagai berikut:

Human Resource Development Throughout 2016, the Company has a wide range of education and training in order to improve the competence of it’s human resource. Here are the education and training that already held:

l Pengembangan karyawan melalui Management

l Employee development through the Management

l

l

l

l

l

l

l

Development Program IV, yang merupakan program training selama kurang lebih 9 (sembilan) bulan guna membekali calon officer sebagai pemimpin di masa mendatang. Peserta terdiri dari peserta eksternal maupun internal, yang pelaksanaannya akan berakhir pada bulan Maret 2017. Pelaksanaan program basic bagi karyawan baru, seperti Induction Training dan Pendidikan Dasar Perbankan Syariah (PDPS). Pengembangan kompetensi karyawan marketing melalui jalur training reguler, seperti Basic Financing Program yang diselenggarakan di Jakarta, Bandung, Surabaya, Sidoarjo, dan selanjutnya di cabang lainnya. Pengembangan kompetensi karyawan dengan melakukan Internal Training Program (ITP), di mana para atasan, yaitu Kepala Divisi, Pemimpin Cabang, atau Manager yang memiliki pengetahuan dan skill tertentu memberikan training kepada timnya secara berkesinambungan untuk meningkatkan kompetensi teknis dalam pekerjaannya. Hal ini dilakukan di kantor pusat, di bisnis area, dan seluruh cabang luar kota. Pengembangan pengetahuan karyawan melalui training atau seminar yang diselenggarakan oleh Bank Indonesia dan pihak eksternal yang memiliki expertise khusus sesuai dengan bidang yang dibutuhkan. Melakukan on the job training dan keikutsertaan karyawan pada proyek-proyek khusus untuk pengembangan di berbagai bidang. Program talent management, di mana memberikan kesempatan berkarir yang lebih cepat sebagai suksesor kepada karyawan-karyawan yang dinilai potensial. Mutasi dan rotasi di lingkungan kerja, sehingga karyawan dapat mengeksplorasi lebih jauh potensi yang dimilikinya di samping menambah pengetahuan dan pengalaman di bidang yang baru.

Jumlah dan Komposisi Karyawan Jumlah karyawan Perseroan mencapai 1.085 orang pada tahun 2016. Berdasarkan tingkat pendidikan, tingkat strata 1 (sarjana) mendominasi jumlah karyawan yang ada.

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Development Program IV, which is a training program for approximately 9 (nine) months duration to equip the prospective officer as a leader in the future. Participants consist of external and internal participants, the implementation of which will end in March 2017. l Implementation of the basic program for new employees, such as induction training and Basic Education of Islamic Banking. l Marketing employee competence development through regular training, such as the Basic Financing Program held in Jakarta, Bandung, Surabaya, Sidoarjo, and subsequently held in other branches. l Employee competence development by conducting Internal Training Program, where the supervisor, Head of Division, Branch Manager, or Manager who has the knowledge and specific skills training the team on an ongoing basis to improve the technical competence in his work. The training was held in head office, business area, and all branches outside the city. l Knowledge development of employees through

training or seminar organized by external parties who have specialized expertise in accordance with the required fields. l Conducting on the job training and employee participation in special projects for development in various fields. l Talent management program, which provide career opportunities faster as the successor to the employees who are considered potential. l Mutations and rotation in the work environment, so

that employees can further explore its potential in addition to adding knowledge and experience in the new field. Number and Composition of Employees The total number of the Company’s employees in 2016 reached 1,085 people. Based on their level of education, this number is dominated by employees with bachelor degree.

Jumlah Karyawan Berdasarkan Level Organisasi Total Employees Based on Organization Level JeNjang Jabatan 2015 2016 Positions jumlah porsi jumlah porsi Pertumbuhan Total Portion Total Portion Growth Manajemen/Management 14 1,55% 14 1,29% 0,00% Kadiv/Pemimpin Cabang 29 3,22% 31 2,86% 6,90% Head of Division/Branch Manager Manajer/Manager 17 1,89% 30 2,76% 76,47% Koordinator/Team Leader 25 2,77% 43 3,96% 72,00% Staf Klerikal/Clerical Staff 559 62,04% 708 67,00% 30,05% Non Klerikal/Non Clerical Staff 40 4,44% 35 1,29% -65,00% Outsourcing/Outsourcing 217 24,08% 224 20,83% 4,15% Jumlah/Total

901 100% 1.085 100%

Jumlah Karyawan Berdasarkan Tingkat Pendidikan Total Employees Based on Education Level Tingkat Pendidikan 2015 2016 Education Level jumlah porsi jumlah porsi Pertumbuhan Total Portion Total Portion Growth S2/Master Degree S1/Bachelor Degree D3/Diploma SMA/High School

24 2,66% 25 2,30% 519 57,60% 661 61,38% 93 10,32% 119 11,24% 265 29,41% 280 25,07%

Jumlah/Total

901

100%

1.085

4,17% 28,32% 31,18% 2,64%

100%

Jumlah Karyawan Berdasarkan Status Kepegawaian Total Employees Based on Status of Employees Status Karyawan 2015 2016 Status of Employees jumlah porsi jumlah porsi Pertumbuhan Total Portion Total Portion Growth Tetap/Permanent 465 51,61% 490 45,07% 5,16% Kontrak/Contract 210 23,31% 311 28,76% 48,57% Trainee/Probation Assignment 9 1% 60 5,53% 566,67% Management Trainee/ Management Trainee 0 0% 0 0,00% 0,00% Outsorcing/Outsourcing 217 24,08% 224 20,65% 3,23% Jumlah/Total

901

Biaya Pengembangan dan Kompetensi Perseroan mengeluarkan biaya untuk pengembangan dan peningkatan kompetensi SDI sebesar Rp3.335.307.017 sepanjang tahun 2016. Adapun rinciannya, sebagai berikut:

100%

1.085

100%

Cost of Development and Competency The Company spent as much as Rp3,335,307,017 for the development and improvement of human resources competency throughout 2016. The details are as follows:

Biaya Pengembangan Serta Kompetensi SDI Cost of Human Resources Development and Competency Kegiatan/Actvity 2015 2016 Pertumbuhan Growth Jumlah Pelatihan/Number of Training 95 174 82,11% Biaya Pelatihan/Cost of Training Rp1.611.772 Rp3.337.527.017 106,93% Jumlah Peserta/Number of Trainees 1.194 2.729


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Tantangan dan Kendala Tantangan dan kendala yang dihadapi perseroan sepanjang tahun 2016 adalah sebagai berikut: a. Investasi jangka panjang yang terus menerus dilakukan dalam pengembangan SDI, di mana mayoritas karyawan baru Perseroan adalah fresh graduate. Pemberlakuan ikatan dinas untuk lulusan MDP adalah salah satu langkah yang diterapkan Perseroan agar turnover karyawan tidak tinggi. b. Persaingan antar Bank Syariah membuat Perseroan kesulitan mempertahankan karyawan yang berkinerja baik. c. Perkembangan bisnis yang tidak diikuti dengan percepatan pengembangan karyawan sehingga masih terdapat beberapa gap kompetensi yang harus dipenuhi dan dikembangkan agar mendapatkan hasil yang optimal.

Challenges and Obstacles Several challenges and obstacles that were faced by the Company throughout 2016 are as follows: a. Continuous long term investment that is done in human resources development, where most of the Company’s new employees are fresh graduates. The implementation of tenure office for MDP graduates is one of the steps done by the Company to keep employees’ turnover rate low. b. Competition among sharia bank have made it difficult for the Company to maintain employees that have good performance. c. Business development is not followed by acceleration of employees development. Therefore, there are still some competency gap that must be fulfilled and developed to get optimal result.

Rencana Strategis Tahun 2017 Perseroan mempunyai rencana strategis untuk pengembangan SDI pada tahun 2017, di antaranya sebagai berikut: a. Peningkatan kualitas SDI Perseroan agar lebih dapat optimal dalam mendukung bisnis dengan peningkatan soft skill, hard skill, dan managerial skill. b Me-review sistem yang ada di SDI seperti sistem reward dan sistem kepangkatan (re-grading) agar dapat lebih kompetitif dengan perbankan lainnya. c. Mengembangkan Data System Support (DSS) di SDI untuk memudahkan manajemen dalam mengambil keputusan. d. Peningkatan penguatan dari core value Perseroan terutama dalam hal peningkatan kedisiplinan. e. Pengukuran Key Performance Indicator (KPI) untuk memperjelas pencapaian target individu.

Strategic Plan in 2017 The Company has strategic plans for human resources development in 2017, such as: a. Increasing the quality of the Company’s human resources in order to optimally support its business by improving soft skill, hard skill, and managerial skill. b. Reviewing existing systems in human resources, such as reward and re-grading system to make them more competitive compared to other banking. c. Developing Data System Support (DSS) in human resources facilitate the management when making a decision. d. Increasing the strengthening of the Company’s core value, especially regarding discipline improvement. e. Measurement of key performance indicators to clarify the achievement of individual targets.

LAPORAN REALISASI TRAINING - PT BANK SYARIAH BUKOPIN TAHUN 2016 TRAINING IMPLEMENTATION REPORT - PT BANK SYARIAH BUKOPIN 2016 No PROGRAM Training Tanggal Tempat peserta Trainer No Training Program Date Venue Participant Trainer Januari/JANUARY 1 WORKSHOP IMPLEMENTASI PERATURAN 7-8 JANUARI 2016 THE PARK LANE HOTEL 3 PT BANK KONGLOMERASI KEUANGAN JAKARTA BUKOPIN. Tbk PT BANK BUKOPIN TBK DAN PERSIAPAN PELAPORAN PROFIL RISIKO TERINTEGRASI DAN PELAPORAN TATA KELOLA TERINTEGRASI 2 WORKSHOP SEKRETARIS PERUSAHAAN 8-9 JANUARI 2016 VILLA BSB 15 INTERNAL BSB 3 ITP (DIV. PEMBIAYAAN KOMERSIAL) 13 JANUARI 2016 RUANG MEETING LT.3 17 INTERNAL BSB 4 WORKSHOP DIREKTORAT KEPATUHAN 15-16 JANUARI 2016 VILLA BSB 14 INTERNAL BSB & MANAJEMEN RISIKO 5 INDUCTION TRAINING (BATCH I) 20-27 JANUARI 2016 TRAINING CENTER BSB 28 INTERNAL BSB 6 REFRESHMENT METHODOLOGY 21 JANUARI 2016 MANDIRI CLUB 1 LSPP ASSESSMENT BAGI ASESOR & RISK MANAGEMENT 7 WORKSHOP DIV. KOMERSIAL 22-23 JANUARI 2016 VILLA BSB 13 INTERNAL BSB 8 ASESOR ASSESSMENT 15,16,22-24 JAN 2016 MUAMALAT TOWER 2 ASBISINDO 9 WORKSHOP BANK GARANSI 25-25 JANUARI 2016 TRAINING CENTER BSB 25 INTERNAL BSB

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Total Biaya Total Cost 1.230.000

25.357.937 737.500 24.849.155 17.122.350 23.138.515 8.470.000 14.081.900

No PROGRAM Training Tanggal Tempat peserta Trainer Total Biaya No Training Program Date Venue Participant Trainer Total Cost FEBRUARI/FEBRUARY 10 ITP (DIV. PEMBIAYAAN KOMERSIL) 3 FEBRUARI 2016 RUANG MEETING LT.3 17 INTERNAL BSB 1.026.500 11 PELATIHAN DASAR PERBANKAN SYARIAH 3-5 FEBRUARI 2016 TRAINING CENTER BSB 20 ICDIF LPPI 34.270.500 (BATCH I) 12 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 9 FEBRUARI 2016 RUANG MEETING LT.6 7 INTERNAL BSB 468.000 13 ITP (DIV. SDI) 9 FEBRUARI 2016 RUANG MEETING LT.7 9 INTERNAL BSB 490.000 14 TRAINING SUKUK 10 FEBRUARI 2016 TRAINING CENTER BSB 40 MEGA CAPITAL 1.962.650 15 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 10 FEBRUARI 2016 RUANG MEETING LT.6 7 INTERNAL BSB 425.000 16 TRAINING TREASURY NATIONAL POOLING 17 FEBRUARI 2016 RUANG MEETING LT.4 31 PENGELOLA KAS 21.264.000 NEGARA (DEPART. KEUANGAN) 17 INDUCTION TRAINING (BATCH II) 11-16 FEBRUARI 2016 TRAINING CENTER BSB 15 INTERNAL BSB 18 PELATIHAN DASAR PERBANKAN SYARIAH 17-19 FEBRUARI 2016 TRAINING CENTER BSB 20 LPPI 46.589.200 (BATCH II) 19 ITP (DIV. SDI) 18 FEBRUARI 2016 RUANG MEETING LT.6 7 INTERNAL BSB 472.000 20 PELATIHAN SMR LEVEL II 17-19 FEBRUARI 2016 RUANG MEETING 6 PT ANUGERAH MELAWAI CIPTA CINDEKIA 36.057.381 21 SERTIFIKASI MANAJEMEN RISKO LEVEL II 20 FEBRUARI 2016 STIA LAN JAKARTA 5 LSPP 22 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 22 FEBRUARI 2016 RUANG MEETING LT.6 7 INTERNAL BSB 365.000 23 SELLING SKILL 24-25 FEBRUARI 2016 TRAINING CENTER BSB 32 LEARNING 24.091.300 DEVELOPMENT & Partner 24 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 29 FEBRUARI 2016 RUANG MEETING LT.6 7 INTERNAL BSB 461.000

No PROGRAM Training Tanggal Tempat peserta Trainer Total Biaya No Training Program Date Venue Participant Trainer Total Cost MARET/MARCH 25 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 1 MARET 2016 RUANG MEETING LT.6 7 INTERNAL BSB 426.000 26 THE SECOND INDONESIA CORSEC SUMMIT 2-3 MARET 2016 ARYADUTA HOTEL 1 PT INTIPESAN 3.600.000 27 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 3 MARET 2016 RUANG MEETING LT.6 7 INTERNAL BSB 360.000 28 INDUCTION TRAINING (BATCH III) 3-8 MARET 2016 TRAINING CENTER BSB 21 INTERNAL BSB 16.310.930 29 ITP (DIV. PENGEMBANGAN PRODUK) 10 MARET 2016 RUANG MEETING LT.4 7 INTERNAL BSB 330.000 30 FIELD TRIP (RO TRAINING PROGRAM) 11 & 14 MARET 2016 TRAINING CENTER BSB 32 INTERNAL BSB 23.308.100 31 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 14 MARET 2016 RUANG MEETING LT.6 7 INTERNAL BSB 330.000 32 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 15 MARET 2016 RUANG MEETING LT.6 7 INTERNAL BSB 430.000 33 ITP (DIV. PEMBIAYAAN MANAJEMEN RISIKO) 16 MARET 2016 RUANG MEETING LT.3 20 INTERNAL BSB 812.500 34 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 17 MARET 2016 RUANG MEETING LT.6 7 INTERNAL BSB 312.000 35 ITP (DIV. BISNIS MIKRO) 17 MARET 2016 RUANG MEETING MELAWAI 17 INTERNAL BSB 509.000 36 PELATIHAN SERTIFIKASI 16-18 MARET 2016 TRAINING CENTER BSB 5 PT ANUGERAH MANAJEMEN RISIKO LEVEL 2 CIPTA CINDEKIA 25.361.100 37 SERTIFIKASI MANAJEMEN RISKO LEVEL II 19 MARET 2016 STIA LAN JAKARTA 4 LSPP 38 WORKSHOP GATHERING KASIR/ 19-20 MARET 2016 BELITUNG, 1 BANK INDONESIA 4.360.000 TELLER PERBANKAN BANDUNG TANJUNG PANDAN 39 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 22 MARET 2016 RUANG MEETING LT.6 7 INTERNAL BSB 330.000 40 ITP (DIV. SKAI) 23 MARET 2016 RUANG MEETING LT.6 7 INTERNAL BSB 450.000 41 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 24 MARET 2016 RUANG MEETING LT.6 7 INTERNAL BSB 404.000 42 WORKSHOP SOSIALISASI SKNBI GEN.II 25-27 MARET 2016 PULAU DERAWAN BERAU, 1 BANK INDONESIA 4.150.000 KALIMANTAN TIMUR 43 WORKSHOP EVAL. TUKAB & PROYEKSI 25-27 MARET 2017 HOTEL BATU SUKI 1 BANK INDONESIA 4.594.000 UANG KARTAL BATU MALANG, JAWA TIMUR 44 ITP (DIV. SDI) 28 MARET 2016 RUANG MEETING LT.6 8 INTERNAL BSB 494.000 45 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 29 MARET 2016 RUANG MEETING LT.6 7 INTERNAL BSB 385.000 46 PELATIHAN SERTIFIKASI KEPATUHAN LEVEL 1 30-31 MARET 2016 PERBANAS 2 FKDP *) 5.305.000


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No PROGRAM Training Tanggal Tempat peserta Trainer Total Biaya No Training Program Date Venue Participant Trainer Total Cost APRIL/APRIL 47 SERTIFIKASI KEPATUHAN LEVELV 2 2 APRIL 2016 STIA LAN JAKARTA 2 LSPP *) 48 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 5 APRIL 2016 RUANG MEETING LT.6 7 INTERNAL BSB 375.000 49 ITP (DIV. PEMBIAYAAN KOMERSIAL) 6 APRIL 2016 RUANG MEETING LT.4 20 INTERNAL BSB 990.000 50 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 7 APRIL 2016 RUANG MEETING LT.6 7 INTERNAL BSB 420.000 51 WORKSHOP ATURAN TERBARU EKSEKUSI 7-8 APRIL 2016 HOTEL GINO FERUCI, 1 LEMBAGA 4.590.000 DAN LELANG JAMINAN BANDUNG INFORMASI PERATURAN PUBLIK 52 ITP (DIV. SDI) 8 APRIL 2016 RUANG MEETING LT.6 8 INTERNAL BSB 500.000 53 PELATIHAN DASAR PERBANKAN SYARIAH 11-13 APRIL 2016 TRAINING CENTER BSB 19 ICDIF LPPI 38.396.500 (BATCH III) 54 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 13 APRIL 2016 RUANG MEETING LT.6 7 INTERNAL BSB 352.000 55 ITP (SEKPER) 13 APRIL 2016 RUANG MEETING LT.4 9 INTERNAL BSB 490.000 56 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 14 APRIL 2016 RUANG MEETING LT.6 7 INTERNAL BSB 450.000 57 PELATIHAN KINERJA & MOTIVASI KERJA 2016 15-16 APRIL 2016 PADEPOKAN BI’RUL 37 10.920.000 TAZKIAH 58 LAYANAN SYARIAH BANK 16-17 & 23 APRIL 2016 TRAINING CENTER BSB 170 INTERNAL BSB 57.529.600 59 WORKSHOP DATA QUALITY CONTROL SISTEM 18 APRIL 2016 RUANG SERBAGUNA. 1 BANK INDONESIA 2.825.000 INFORMASI DEBITUR KANTOR PERWAKILAN BANK INDONESIA PROVINSI KEPULAUAN RIAU 60 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 19 APRIL 2016 RUANG MEETING LT.6 7 INTERNAL BSB 425.000 61 IDENTIFIKASI TRANSAKSI KEUANGAN 19-20 APRIL 2016 GRIYA PERBANAS 1 FKDP 1.500.000 MENCURIGAKAN 62 ITP (DIV. PEMBIAYAAN KOMERSIAL) 20 APRIL 2016 RUANG MEETING LT.4 20 BANK BUKOPIN 1.432.000 63 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 21 APRIL 2016 RUANG MEETING LT.3 7 INTERNAL BSB 375.000 64 ITP (DIV. SDI) 22 APRIL 2016 RUANG MEETING LT.6 9 INTERNAL BSB 500.000 65 PROGRAM GROOMING DAN BEAUTY CLASS 27 APRIL 2016 TRAINING CENTER BSB 26 INTERNAL BSB 7.993.700 SERTA SOSIALISASI E-SMS UNTUK MARKETING & WARDAH (RO DC DAN RO RETAIL) 2016 66 ITP (SEKRETARIS PERUSAHAAN) 27 APRIL 2016 RUANG MEETING LT.6 9 INTERNAL BSB 616.500 67 ITP (DIV. PENDANAAN KOMERSIL) 27 APRIL 2016 RUANG MEETING LT.5 12 INTERNAL BSB 550.000

No PROGRAM Training Tanggal Tempat peserta Trainer Total Biaya No Training Program Date Venue Participant Trainer Total Cost MeI/May 68 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 3 MEI 2016 RUANG MEETING LT.6 9 INTERNAL BSB 475.000 69 EVALUASI KLIRING TAHUN 2016 5-7 MEI 2016 HOTEL HERPER, 1 BANK INDONESIA 7.890.000 YOGYAKARTA 70 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 12 MEI 2016 RUANG MEETING LT.6 10 INTERNAL BSB 400.000 71 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 17 MEI 2016 RUANG MEETING LT.6 6 INTERNAL BSB 400.000 72 TRANSAKSI KEUANGAN MENCURIGAKAN 18-19 MEI 2016 PERBANAS 2 FKDP 3.000.000 73 ITP (DIV. PERENCANAAN STRATEGI 20 MEI 2016 RUANG MEETING LT.6 3 INTERNAL BSB 386.500 MANAJEMEN PENJUALAN) 74 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 24 MEI 2016 RUANG MEETING LT.6 8 INTERNAL BSB 450.000 75 KESIAPAN PERBANKAN DALAM MENGHADAPI 26 MEI 2016 BALLROOM GRAND 2 FKDP 1.500.000 PENILAIAN FINANCIAL ACTION TASK FORCE ON ON THAMRIN, MONEY LAUNDERING (FATF) TERHADAP INDONESIA HOTEL PULLMAN 76 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 26 MEI 2016 RUANG MEETING LT.6 8 INTERNAL BSB 575.000 77 REFRESHMENT SMR 27 MEI 2016 HOTEL VERDANA 1 BSMR 3.950.000 78 LAYANAN SYARIAH BANK CABANG MEDAN 28 MEI 2016 BANK SYARIAH BUKOPIN 30 INTERNAL BSB 22.439.500 CAB. MEDAN

No PROGRAM Training Tanggal Tempat No Training Program Date Venue JunI/June 79 ITP (DIV. BISNIS MIKRO) 2 JUNI 2016 RUANG MEETING MELAWAI 80 ITP (DIV. SEKRETARIS PERUSAHAAN) 9 JUNI 2016 RUANG MEETING LT.5 81 WORKSHOP BANK PERSEPSI 23 JUNI 2016 RUANG MEETING LT.4 DAN BANK OPERASIONAL II 82 INDUCTION TRAINING (BATCH IV) 21-24 JUNI 2016 RUANG MEETING MELAWAI

64 |


peserta Trainer Participant Trainer

Total Biaya Total Cost

16 INTERNAL BSB

409.300

9 INTERNAL BSB 31

375.000 6.140.000

17 INTERNAL BSB

11.231.800

No PROGRAM Training Tanggal Tempat No Training Program Date Venue JulI/July 83 LAYANAN SYARIAH BANK 12-14 JULI 2016 BSB CAB. SIDOARJO CAB. SURABAYA & SIDOARJO 84 ITP (DIV. SKAI) 20 JULI 2016 RUANG MEETING LT.6 85 ITP (DIV. SEKRETARIS PERUSAHAAN) 22 JULI 2016 RUANG MEETING LT.4 86 ITP (DIV. SDI) 22 JULI 2016 RUANG MEETING LT.6 87 TRAINING IT CAPACITY PLANNING 29 JULI 2016 BANDUNG



96 INTERNAL BSB

37.811.800

8 INTERNAL BSB 9 INTERNAL BSB 9 INTERNAL BSB 1 -

1.211.500 600.000 501.000 7.000.000

No PROGRAM Training Tanggal Tempat peserta Trainer Total Biaya No Training Program Date Venue Participant Trainer Total Cost Agustus/August 88 LAYANAN SYARIAH BANK CAB. SAMARINDA 5-7 AGUSTUS 16 BSB CAB. SAMARINDA 20 INTERNAL BSB 21.039.650 89 EVALUASI RAPAT KERJA ANGGARAN 10-12 AGUSTUS 2016 HOTEL GRAND ROYAL 43 INTERNAL & 203.412.485 PANGHEGAR EKSTERNAL BSB 90 LAYANAN SYARIAH BANK CAB. BUKITTINGGI 18-20 AGUSTUS 2016 BSB CAB. BUKITTINGGI 34 INTERNAL BSB 13.250.798 91 LAYANAN SYARIAH BANK CAB. SEMARANG 25-27 AGUSTUS 2016 BSB CAB. SEMARANG 35 INTERNAL BSB 17.476.300 92 TRAINING KLIRING WARKAT DEBIT 26-28 AGUSTUS 2016 BATAM. KEP. RIAU 1 BANK INDONESIA 2.090.000 CABANG BUKITTINGGI 93 TRAINING LAYANAN FRONTLINER 27 AGUS. 17 SEPT. BSB CAB. MELAWAI & 79 INTERNAL BSB 24.577.500 1 OKT 2016 RUANG MEETING LT.4 94 ITP CAB. SIDOARJO 9,24,30 AGUSTUS 2016 BSB CAB. SIDOARJO 15 INTERNAL BSB 1.556.000

No PROGRAM Training Tanggal Tempat peserta Trainer Total Biaya No Training Program Date Venue Participant Trainer Total Cost September/September 95 LAYANAN SYARIAH BANK CAB. YOGYAKARTA 2-3 SEPTEMBER 2016 BSB CAB. YOGYAKARTA 45 INTERNAL BSB 19.919.399 96 INDUCTION TRAINING (BATCH V) 7-9 & 13 SEPTEMBER 2016 TRAINING CENTER BSB 19 INTERNAL BSB 14.620.500 97 ITP (DIV. PEMBIAYAAN KOMERSIAL) 7 SEPTEMBER 2016 RUANG MEETING LT.3 20 INTERNAL BSB 1.400.000 98 ITP CAB. SIDOARJO 8. 15 SEPTEMBER 2016 BSB CAB. SIDOARJO 15 INTERNAL BSB 987.800 99 ITP (DIV. PEMBIAYAAN KOMERSIAL) 14 SEPTEMBER 2016 RUANG MEETING LT.3 20 INTERNAL BSB 1.136.000 100 ITP (DIV. SDI) 15 SEPTEMBER RUANG MEETING LT.6 10 INTERNAL BSB 711.000 101 ITP (DIV. PENDANAAN KOMERSIAL) 16 SEPTEMBER 2016 RUANG MEETING LT.5 16 EKSTERNAL BSB 1.420.000 (ARIF FAHRURI) 102 ITP (DIV. MANAJEMEN RISIKO) 16 SEPTEMBER 2016 RUANG MEETING LT.5 8 INTERNAL BSB 600.000 103 EVALUASI KLIRING BI SURABAYA 16-18 SEPTEMBER 2016 HOTEL THE ONE 1 BANK INDONESIA 4.305.000 LEGIAN. BALI 104 ITP (DIV. KEPATUHAN) 19 SEPTEMBER 2016 RUANG MEETING LT.6 8 INTERNAL BSB 800.000 105 SEMINAR BARA RISK MANAGEMENT 19-21 SEPTEMBER 2016 OSLO, NORWEGIA 1 BARA FORUM 19.256.000 106 ITP (DIV. PEMBIAYAAN KOMERSIAL) 21 SEPTEMBER 2016 RUANG MEETING LT.3 20 INTERNAL BSB 1.240.000 107 ITP (DIV. KEPATUHAN) 21 SEPTEMBER 2016 RUANG MEETING LT.6 8 INTERNAL BSB 800.000 108 SOSIALISASI & PELATIHAN STABILITAS 21-23 SEPTEMBER 2016 TRANS RESORT, BALI 3 BANK INDONESIA 7.445.499 MONETER DAN SISTEM KEU. BANK UMUM & UNIT SYARIAH (LSMK BUS UUS) 109 TRAINING KLIRING 23-25 SEPTEMBER 2016 YOGYAKARTA 2 BANK INDONESIA 4.543.600 110 TRAINING PELAYANAN CAB. SURABAYA 23-25 SEPTEMBER 2016 BSB CAB. SURABAYA 45 INTERNAL BSB 16.864.000 111 ITP (DIV. MANAJEMEN RISIKO) 23 SEPTEMBER 2016 RUANG MEETING LT.6 8 INTERNAL BSB 570.000 112 ITP (DIV. KEPATUHAN) 26 SEPTEMBER 2016 RUANG MEETING LT.6 8 INTERNAL BSB 600.000 113 ITP (DIV. KEPATUHAN & MANRISK) 27 SEPTEMBER 2016 RUANG MEETING LT.6 12 INTERNAL BSB 570.000 114 ITP (DIV. KEPATUHAN & MANRISK) 28 SEPTEMBER 2016 RUANG MEETING LT.6 12 INTERNAL BSB 800.000 115 SEMINAR “PERSIAPAN SDM PERBANKAN 28 SEPTEMBER 2016 RITZ CARLTON 2 PERBANAS 4.000.000 INDONESIA DALAM ASEAN FINANCIAL MEGA KUNINGAN, SERVICE & BANKING INTEGRATION 2020” JAKARTA 116 ITP (DIV. BISNIS MIKRO) 30 SEPTEMBER 2016 RUANG MEETING MELAWAI 15 INTERNAL BSB 562.000


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No PROGRAM Training Tanggal Tempat peserta Trainer Total Biaya No Training Program Date Venue Participant Trainer Total Cost OktoBER/October 117 SOSIALISASI LAYANAN SMS BANKING DAN 3-6 & 14 OKTOBER 2016 BSB JAKARTA 150 INTERNAL BSB 5.089.000 MOBILE BANKING BSB 118 INDUCTION TRAINING (BATCH VI) 4-7 OKTOBER 2016 TRAINING CENTER BSB 13 INTERNAL BSB 12.380.700 119 ITP CABANG BUKITTINGGI 5 OKTOBER 2016 BSB CAB. BUKITTINGGI 15 INTERNAL BSB 642.500 120 ITP (DIV. SUPPORT PEMBIAYAAN) 6 OKTOBER 2016 RUANG MEETING LT.3 20 INTERNAL BSB 1.240.000 121 ITP (DIV. KEPATUHAN & MANRISK) 7 OKTOBER 2016 RUANG MEETING LT.6 12 INTERNAL BSB 600.000 122 ITP (DIV. SDI) 7 OKTOBER 2016 RUANG MEETING LT.4 10 INTERNAL BSB 750.000 123 WORKSHOP ARSIP BI 6-8 OKTOBER 2016 HOTEL GRAND MERDEKA 1 BANK INDONESIA 1.950.000 124 ITP (DIV. PEMBIAYAAN KOMERSIAL) 12 OKTOBER 2016 RUANG MEETING LT.3 20 INTERNAL BSB 1.093.000 125 ITP (DIV. DELIVERY CHANNEL) 14 OKTOBER 2016 TRAINING CENTER BSB 18 INTERNAL BSB 1.356.000 126 ITP CABANG SIDOARJO 17 OKTOBER 2016 BSB CAB. SIDOARJO 15 INTERNAL BSB 680.000 127 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 17 OKTOBER 2016 RUANG MEETING LT.6 12 INTERNAL BSB 600.000 128 TRAINING JURU BAYAR 21-23 OKTOBER 2016 BSB CAB. SURABAYA 26 INTERNAL BSB & 38.123.900 PT BANK BUKOPIN, Tbk 129 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 21 OKTOBER 2016 TRAINING CENTER BSB 12 INTERNAL BSB 910.000 130 ITP CAB. SEMARANG (INDUCTION TRAINING) 24 OKTOBER 2016 BSB CAB. SEMARANG 7 INTERNAL BSB 300.000 131 ITP (DIV. SUMBER DAYA INSANI) 26 OKTOBER 2016 RUANG MEETING LT.6 7 INTERNAL BSB 563.500 132 ITP (DIV. PSMP) 27 OKTOBER 2016 RUANG MEETING LT.6 4 INTERNAL BSB 524.000 133 ITP CAB. MAKASSAR (SPREADING) 28 OKTOBER 2016 BSB CAB. MAKASSAR 9 INTERNAL BSB 1.950.000 134 ITP (DIV. SUMBER DAYA INSANI) 28 OKTOBER 2016 RUANG MEETING LT.6 9 INTERNAL BSB 920.000 135 LAYANAN SYARIAH BANK CAB. MAKASSAR 28-29 OKTOBER 2016 BSB CAB. MAKASSAR 90 INTERNAL BSB 55.576.999 136 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 31 OKTOBER 2016 RUANG MEETING LT.6 12 INTERNAL BSB 600.000 137 TRAINING KHUSUS CAB. BANDUNG OKTOBER- BSB CAB. BANDUNG 30 INTERNAL BSB 137.948.831 NOVEMBER 2016

No PROGRAM Training Tanggal Tempat peserta Trainer No Training Program Date Venue Participant Trainer NOVEMBER/NOVEMBER 138 ITP CABANG MAKASSAR 1 NOVEMBER 2016 BSB CAB. MAKASSAR 30 INTERNAL BSB 139 PELATIHAN DASAR PERBANKAN SYARIAH 1-3 NOVEMBER 2016 TRAINING CENTER BSB 20 ICDIF LPPI (BATCH IV) 140 ITP CABANG SIDOARJO 2 NOVEMBER 2016 BSB CAB. SIDOARJO 15 INTERNAL BSB 141 LAYANAN SYARIAH BANK CAB. SOLO 3-6 NOVEMBER 2016 BSB CAB. SOLO 39 INTERNAL BSB 142 SOSIALISASI BPJS KETENAGAKERJAAN 4-5 NOVEMBER 2016 BANDUNG 1 BPJS KETENAGAKERJAAN 143 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 8 NOVEMBER 2016 RUANG MEETING LT.6 12 INTERNAL BSB 144 ALL NEW BIG DATA BUSINESS. TREND. 10-11 NOVEMBER 2016 TRANS LUXURY HOTEL 1 SHARING VISION FRAMEWORK AND TECHNOLOGY 145 PELATIHAN DASAR PERBANKAN SYARIAH 11-12 NOVEMBER 2016 MAKASSAR 11 ASBISINDO CABANG MAKASSAR 146 EVALUASI DAN REFRESHMENT 12 NOVEMBER 2016 HOTEL ALILA. SOLO. 2 BANK INDONESIA SKNBI ISO 20022 JAWA TENGAH 147 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 14 NOVEMBER 2016 RUANG MEETING LT.6 9 INTERNAL BSB 148 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 18 NOVEMBER 2016 RUANG MEETING LT.6 10 INTERNAL BSB 149 ITP (DIV. SUPPORT PEMBIAYAAN) 18 NOVEMBER 2016 RUANG MEETING LT.3 15 INTERNAL BSB 150 GATHERING PERTEMUAN TAHUNAN 22-23 NOVEMBER 2016 BALI 1 BANK INDONESIA IKPB JABAR 2016 (CAB. BANDUNG) 151 RISET PERBANKAN 23-24 NOVEMBER 2016 TRANS LUXURY HOTEL 1 OJK 152 WORKSHOP DATA QUALITY CONTROL 23-26 NOVEMBER 2016 KANTOR PERWAKILAN 1 BANK INDONESIA PELAPORAN SID BANK UMUM BI YOGYA 153 ITP CAB. SEMARANG (SELLING SKILL & 24 NOVEMBER 2016 BSB CAB. SEMARANG 7 INTERNAL BSB ANALISA KARAKTER) 154 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 25 NOVEMBER 2016 RUANG MEETING LT.6 11 INTERNAL BSB 155 INDUCTION TRAINING (BATCH VII) 29 NOV - 2 DES 2016 TRAINING CENTER BSB 18 INTERNAL BSB 156 IMPLEMENTASI KONGLOMERASI KEUANGAN 30 NOV - 1 DES 2016 ASTON BOGOR HOTEL 4 PT BANK BUKOPIN, PT BANK BUKOPIN, Tbk & RESORT. BOGOR Tbk 157 ITP CAB. SEMARANG (DASAR PEMBIAYAAN) 30 NOVEMBER 2016 BSB CAB. SEMARANG 7 INTERNAL BSB

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Total Biaya Total Cost 638.000 34.862.900 1.140.000 21.819.500 350.000 600.000 8.408.500 15.000.000 5.014.000 510.000 540.000 1.130.000 4.210.000 360.000 2.789.000 300.000 770.000 14.982.100 4.869.045 300.000

No PROGRAM Training Tanggal Tempat peserta Trainer Total Biaya No Training Program Date Venue Participant Trainer Total Cost DESEMBER/DECEMBER 158 ITP CAB. SEMARANG (ANALISA & RASIO 1 DESEMBER 2016 BSB CAB. SEMARANG 7 INTERNAL BSB 700.000 KEUANGAN. KRITERIA SIFAT MANUSIA) 159 SOSIALISASI DAN EDUKASI KEBIJAKAN 2-4 DESEMBER 2016 KANTOR PERWAKILAN 1 BANK INDONESIA 2.790.000 SISTEM KLIRING NASIONAL BANK INDONESIA BI NUSA TENGGARA BARAT 160 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 2 DESEMBER 2016 RUANG MEETING LT.6 10 INTERNAL BSB 740.000 161 PELATIHAN DASAR PERBANKAN SYARIAH 6-8 DESEMBER 2016 TRAINING CENTER BSB 20 ICDIF LPPI 34.701.800 (BATCH V) 162 ITP CAB. SIDOARJO 7 DESEMBER 2016 BSB CAB. SIDOARJO 15 INTERNAL BSB 545.400 (PEMBIAYAAN BERMASALAH) 163 WORKSHOP PERSIAPAN & STRATEGI 8 DESEMBER 2016 HOTEL BALAIRUNG 1 HRD FORUM 875.000 PENGGAJIAN TAHUN 2017 164 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 8 DESEMBER 2016 RUANG MEETING LT.6 11 INTERNAL BSB 990.000 165 RAPAT KERJA ANGGARAN 2017 14-16 DESEMBER 2016 HOTEL SERUNI, PUNCAK 42 INTERNAL 259.000.123 & EKSTERNAL BSB 166 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 16 DESEMBER 2016 RUANG MEETING LT.6 10 INTERNAL BSB 540.000 167 INDUCTION TRAINING BATCH (VIII) 20-22 & 27 DESEMBER 2016 TRAINING CENTER BSB 25 INTERNAL BSB 17.013.600 168 ITP (BISNIS MELAWAI) 21 DESEMBER 2016 RUANG MEETING LT.6 18 INTERNAL BSB 1.430.000 169 ITP CAB. SIDOARJO (KYYC & TPPU) 14 DESEMBER 2016 BSB CAB. SIDOARJO 15 INTERNAL BSB 770.000 170 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 28 DESEMBER 2016 RUANG MEETING LT.6 11 INTERNAL BSB 960.000 171 ITP (DIV. KEPATUHAN & MANAJEMEN RISIKO) 29 DESEMBER 2016 RUANG MEETING LT.6 12 INTERNAL BSB 270.000 172 ITP CAB. MEDAN (PRODUK BSB) 29, 20 DESEMBER 2016 BSB CAB. MEDAN 21 INTERNAL BSB 2.220.000 173 TRAINING KHUSUS NOVEMBER - CAB.SURABAYA 50 INTERNAL BSB 62.647.325 CABANG SURABAYA & SIDOARJO DESEMBER 2016 & SIDOARJO 174 MANAGEMENT DEVELOPMENT PROGRAM IV 14 JUNI 2016 - TRAINING CENTER BSB 37 INTERNAL & 1.568.920.545 23 SEPT 2016 EKSTERNAL BSB (INCLASS) + OJT DES 2016 TOTAL 2.731 3.337.527.017

LAPORAN REALISASI TRAINING DIREKSI - PT BANK SYARIAH BUKOPIN TAHUN 2016 Board of Directors TRAINING IMPLEMENTATION REPORT - PT BANK SYARIAH BUKOPIN 2016 No PROGRAM Training Tanggal Tempat No Training Program Date Venue



1 REFREHSMENT METHODOLOGY 21 JANUARI 2016 MANDIRI CLUB 1 LSPP ASSESMENT BAGI ASESOR & RISK MANAGEMENT 2 KESIAPAN PERBANKAN DALAM MENGHADAPI 26 MEI 2016 BALLROOM GRAND 1 FKDKP PENILAIAN FINANCIAL ACTION TASK FORCE ON THAMRIN, ON MONEY LAUNDERING (FATF) TERHADAP HOTEL PULLMAN INDONESIA 3 REFRESHMENT SERTIFIKAT MANAGEMENT RISIKO 27 MEI 2016 HOTEL VERDANA 1 BSMR 4 SEMINAR “PERSIAPAN SDM PERBANKAN 28 SEPTEMBER 2016 RITZ CARLTON, 2 PERBANAS INDONESIA DALAM ASEAN FINANCIAL SERVICE MEGA KUNINGAN, & BANKING INTEGRATION 2020” JAKARTA 5 IMPLEMENTASI KONGLOMERASI KEUANGAN 30 NOV - 1 DES 2016 ASTON BOGOR HOTEL & 1 PT BANK PT BANK BUKOPIN, TBK RESORT, BOGOR BUKOPIN, TBK

-

3,950,000 4,000,000 720,000


| 67

AnalisIs Manajemen terhadap kinerja perseroan

Management Analysis of company’s performance

68 |


Maksimal dan Fokus Maximum and Focus Dengan menerapkan berbagai kebijakan dan strategi, Perseroan mampu membukukan pertumbuhan positif di tengah perlambatan dan ketidakpastian ekonomi yang masih terus berlanjut. By implementing various policies and strategies, the Company was able to record positive growth amid the economic slowdown and uncertainty that still persists.

T

erekonomian global dan domestik sepanjang 2016 masih dibayangi perlambatan dan ketidakpastian. Walau demikian, perekonomian mengalami sedikit perbaikan dibandingkan dengan tahun sebelumnya.

P

year.

Berbagai proyeksi ekonomi yang di bawah target atau proyeksi yang dilakukan sebelumnya. Salah satunya, perekonomian Amerika Serikat (AS), yang ditopang peningkatan konsumsi dan perbaikan sektor tenaga kerja, walaupun mengalami pertumbuhan pada akhir tahun 2016, namun pencapaiannya berada di bawah target. Perekonomian AS masih dibayangi oleh ketidakpastian.

Various economic projections are below targets or projections made earlier. One of them, the economy of the United States (US), which is supported by the increase in consumption and improvement of the labor sector, although growth in late 2016, but the achievement was below the target. The US economy is still overshadowed by uncertainty.

Sedangkan, perekonomian Eropa tumbuh moderat, dibayangi oleh ketidakpastian pasca Brexit (British Exit). Demikian juga dengan ekonomi Tiongkok diperkirakan masih tumbuh terbatas, karena investasi publik belum dapat memberikan dorongan pada sektor swasta yang masih menghadapi overcapacity dan tingginya utang korporasi.

Meanwhile, the European economy grew moderately, overshadowed by the uncertainty of post Brexit (British Exit). Likewise, the Chinese economy is expected to grow still limited, since public investment can not provide a boost to the private sector still faces overcapacity and high corporate debt.

Sejalan dengan perekonomian global, pertumbuhan ekonomi Indonesia masih belum merata, baik secara spasial maupun sektoral. Dengan berbagai kebijakan yang ditempuh pemerintah Indonesia dan segenap stakeholders lainnya, pertumbuhan ekonomi nasional pada 2016 berhasil mencapai angka 5,02% berdasarkan data yang dilansir Badan Pusat Statistik (BPS).

In line with the global economy, Indonesia’s economic growth still not evenly distributed, both spatially and sectoral. With a variety of policies pursued by the Indonesian government and all other stakeholders, national economic growth in 2016 reached the figure of 5.02% based on the data reported by the Central Statistics Agency.

he global economy and domestic throughout 2016 still overshadowed by decelaration and uncertainty. However, the economy experienced a slight improvement compared to the previous


| 69

Analisis Manajemen Management Analysis

70 |

Perekonomian Indonesia tahun 2016 yang diukur berdasarkan Produk Domestik Bruto (PDB) atas dasar harga berlaku mencapai Rp12.406,8 triliun dan PDB perkapita mencapai Rp47,96 juta atau US$3.605,1. Perekonomian Indonesia tahun 2016 tumbuh 5,02% lebih tinggi dibanding pencapaian tahun 2015 sebesar 4,88%. Dari sisi produksi, pertumbuhan tertinggi dicapai oleh Lapangan Usaha Jasa Keuangan dan Asuransi sebesar 8,90%. Dari sisi pengeluaran pertumbuhan tertinggi dicapai oleh Komponen Pengeluaran Konsumsi Lembaga Non-Profit yang melayani rumah tangga sebesar 6,62%.

The Indonesian economy in 2016 as measured by Gross Domestic Product (GDP) at current prices reached Rp12,406.8 trillion and GDP per capita reached Rp47.96 million or US$3,605.1. Indonesia’s economy grew 5.02% in 2016 higher than the achievement in 2015 amounted to 4.88%. On the production side, the highest growth by Business Sector Financial Services and Insurance by 8.90%. On the expenditure side the highest growth achieved by Non-Profit Organization Consumption Component Expenditures that serves households amounted to 6.62%.

Sementara itu, menurut data yang dirilis Bank Indonesia (BI), kinerja Neraca Pembayaran Indonesia (NPI) pada triwulan IV 2016 diperkirakan mencatat surplus yang cukup besar dan defisit transaksi berjalan yang lebih rendah. Sedangkan, defisit transaksi berjalan diperkirakan cukup rendah di bawah 2%, ditopang oleh surplus neraca perdagangan non-migas yang cukup besar seiring dengan kinerja ekspor yang membaik. Dengan perkembangan tersebut, posisi cadangan devisa Indonesia pada akhir Desember 2016 tercatat sebesar US$116,36 miliar, lebih tinggi dibandingkan dengan posisi akhir November 2016 yang sebesar US$111,47 miliar.

Meanwhile, according to data released by Bank Indonesia (BI), performance of Indonesia’s balance of payments (BOP) in the fourth quarter 2016 is expected to record substantial surpluses and the current account deficit is lower. Whereas, the current account deficit is estimated quite low below 2%, supported by the non-oil trade balance surplus large enough along with improved export performance. With these developments, the position of Indonesia’s foreign exchange reserves at the end of December 2016 stood at US$116.36 billion, higher than the position of the end of November 2016 amounted to US$111.47 billion.

Untuk inflasi, BI mencatat sepanjang 2016 cukup terkendali pada level yang rendah dan berada di batas bawah kisaran sasaran inflasi 4±1%. Inflasi IHK bulan Desember 2016 tercatat sebesar 0,42% (month to month/ mtm), lebih rendah dari bulan sebelumnya yang sebesar 0,47% (mtm), sehingga secara keseluruhan tahun inflasi 2016 tercatat 3,02% (year on year/yoy).

For inflation, the central bank noted throughout 2016 has been adequately controlled at a low level and are in the lower limit of the inflation target range of 4±1%. CPI inflation in December 2016 was recorded at 0.42% (month to month / mtm), down from the previous month by 0.47% (mtm), so that the overall year 2016 recorded inflation of 3.02% (year on year / yoy).

Tinjauan Industri Perbankan Syariah Di tengah perlambatan dan ketidakpastian yang masih berlanjut, industri perbankan syariah nasional masih membukukan kinerja positif. Pada 2016, total aset perbankan syariah tumbuh sebesar 20,33% secara year on year (yoy) atau menjadi Rp356,50 triliun. Sedangkan, untuk pencapaian laba, industri perbankan syariah membukukan pertumbuhan laba sebesar 17,76%, atau menjadi sebesar Rp32,71 miliar.

Sharia Banking Industry Overview In the midst of slowdown and uncertainty that still persists, national sharia banking industry still posted a positive performance. In 2016, total sharia banking assets grew by 20.33% in the year on year (yoy) or become Rp356.50 trillion. Whereas, for the achievement of profit, the sharia banking industry posted a profit growth of 17.76%, or to at Rp32.71 billion.

Sementara itu, untuk penyaluran pembiayaan sepanjang 2016, mengalami peningkatan sebesar 11,43%, atau menjadi sebesar Rp4,80 triliun. Dana pihak ketiga (DPK) tumbuh sebesar 14,43%, atau meningkat menjadi Rp5,44 triliun.

Meanwhile, for the finance portfolio throughout 2016, has facing an increase of 11.43%, or increased to Rp4.80 trillion. Third party funds grew by 14.43%, or increased to Rp5.44 trillion.


PANGSA PEMBIAYAAN PT Bank Syariah Bukopin 2015 - 2016 financing share of PT Bank Syariah Bukopin 2015 - 2016

Terhadap Pembiayaan Perbankan Syariah For Financing Share of Sharia Banking

% 2,81

201 5

2,03

%

% 2,70

201 6

1,93

Terhadap Pembiayaan Bank Umum Syariah For Financing Share of Sharia Banking

%

Demikian pula dengan Perseroan. Dengan menerapkan berbagai kebijakan dan strategi, Perseroan mampu membukukan kinerja positif di tengah perlambatan dan ketidakpastian ekonomi. Sepanjang 2016, Perseroan berhasil menumbuhkan bisnisnya secara baik. Pada 2016, Perseroan membukukan laba tahun berjalan senilai Rp32,71 miliar atau tumbuh 17,76% dibandingkan periode yang sama tahun sebelumnya. Pertumbuhan laba ini didukung peningkatan total aset sebesar 20,46% atau Rp1,19 triliun.

Similarly with the Company. By implementing various policies and strategies, the Company was able to record a positive performance amid economic slowdown and uncertainty. Throughout 2016, the Company managed to grow the business as well. Until the first semester 2016, the Company recorded income for the year of Rp32.71 billion, or an increase of 17.76% over the same period the previous year. This earnings growth supported by increased total assets by 20.46% or Rp1.19 trillion.

Sementara itu, penyaluran pembiayaan yang dilakukan Perseroan mengalami peningkatan sebesar 11,43%, atau menjadi sebesar Rp4,80 triliun. Sedangkan, DPK naik 14,43%, atau meningkat menjadi sebesar Rp5,44 triliun. Untuk posisi capital adequacy ratio (CAR) sebesar 17,00%, financing to deposit ratio (FDR) 88,18%, dan non performing financing (NPF) net sebesar 2,72%.

In the meantime, the distribution of financing conducted by the Company increased by 11.43%, or increased to Rp4.80 trillion. Meanwhile, third party funds rose 14.43%, or increased to Rp5.44 trillion. To position the capital adequacy ratio (CAR) of 17.00%, financing to deposit ratio (FDR) 88.18%, and non-performing financing (NPF) net amounted to 2.72%.

Tinjauan Operasi Per Segmen Usaha

Operations Overview Per Segment

Perseroan tetap konsisten dengan pangsa pasar usaha mikro, kecil, dan menengah (UMKM). Hal ini dilakukan karena Perseroan memiliki pengalaman dan kepercayaan atau brand yang baik di masyarakat dan komunitas UMKM di Tanah Air.

The Company remains consistent with micro, small, and medium enterprises (SMEs) market segment. This is because the Company has experience and confidence or already have good brand in the community and SMEs community the country.

Untuk konsentrasi pembiayaan sepanjang 2016, Perseroan menyalurkannya pada beberapa segmen bisnis yang relatif baik dan stabil, seperti pendidikan, kesehatan, perdagangan, konstruksi, dan supplier. Pembiayaan pada segmen bisnis ini berkontribusi dalam memberikan kualitas pembiayaan yang baik. Pada 2016 pembiayaan dapat tumbuh sebesar Rp492,35 miliar, atau meningkat 11,43%.

For financing concentrations throughout 2016, the Company have channeled in some business segments that are relatively good and stable, such as education, health, commerce, construction, and suppliers. This kind of financing have contributed in providing good quality financing. In 2016 the financing can grow to Rp492.35 billion, or increase to 11.43%.


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Sepanjang 2016, pembiayaan pada segmen perdagangan mencapai Rp778 miliar, atau mencapai 16,29% dari total pembiayaan yang disalurkan. Lalu, segmen konstruksi mencapai sebesar Rp757 miliar, atau mencapai 15,86% dari total pembiayaan, dan segmen pendidikan pembiayaannya mencapai Rp606 miliar, atau sebanyak 12,69% dari total pembiayaan, serta untuk segmen kesehatan total pembiayaan mencapai Rp255 miliar, atau sebesar 5,36% dari total pembiayaan.

Throughout 2016, trade segment financing reached Rp778 billion, or reach 16.29% of the total disbursed financing. Then, construction segment reached Rp757 billion, or reached 15.86% of total financing, and education segment financing have reached Rp606 billion, or as much as 12.69% from total financing, as well as to health segment total financing have reached Rp255 billion, or 5.36% from total financing.

Sementara itu, pertumbuhan DPK pada tahun 2016 cukup baik, yakni meningkat sebesar Rp686,31 miliar, atau tumbuh sebesar 14,43%. Khususnya untuk tabungan pada 2016 tumbuh sebesar Rp115,57 miliar atau 19,36%, yang berasal dari dana masyarakat. Sedangkan, giro tumbuh sebesar Rp41,09 miliar atau meningkat 11,73%, dan deposito meningkat sebesar Rp529,65 miliar atau tumbuh sebesar 13,91%. Sementara untuk fee based income pada 2016 mencapai Rp35,89 miliar.

Meanwhile, third party funds growth in 2016 is quite good, which increased by Rp686.31 billion, or grew by 14.43%. Especially for saving deposits in 2016 grew by Rp115.57 billion, or 19.36%, which comes from public funds. Meanwhile, current accounts grew by Rp41.09 billion or increased 11.73%, and time deposits increased by Rp529.65 billion or grew by 13.91%. As for the fee-based income in 2016 have reached Rp35.89 billion.

Strategi Perseroan 2016 Langkah dan strategi yang diterapkan Perseroan untuk tumbuh pada tahun 2016 adalah dengan memaksimalkan outlet-outlet PT. Bank Bukopin, Tbk yang merupakan induk usaha dengan Layanan Syariah Bank (LSB), yang merupakan point of sales. Serta, fokus pada segmen usaha yang potensial dan telah dikuasai dengan baik, seperti pendidikan, kesehatan, perdagangan, konstruksi, dan supplier.

The Company Strategy in 2016 Implemented measures and strategies for the Company growth in 2016 are to maximize the PT. Bank Bukopin, Tbk outlets which is the parent company of the Sharia Services Bank, which is the point of sales. And also, focus on potential and well controlled business segments, such as education, health, commerce, construction, and suppliers.

Kinerja Keuangan Perusahaan

The Company’s Financial Performance

Untuk pembahasan dan analisis mengenai kinerja keuangan dan operasional Perseroan untuk tahun buku 2016 disusun berdasarkan Laporan Keuangan Bank yang disajikan sesuai dengan prinsip-prinsip akuntansi keuangan yang berlaku umum di Indonesia (PSAK) untuk tahun yang berakhir pada tanggal 31 Desember 2016. Laporan keuangan telah diaudit oleh Kantor Akuntan Publik (KAP) Aidil Yuzar, SE.Ak., CPA dengan izin usaha No. 288/KM.1/2012 dan Registrasi Akuntan Publik No. AP0608. Terkait kondisi dan kinerja keuangan ini disajikan dalam 6 (enam) bagian, sebagai berikut: 1. Aset; 2. Liabilitas; 3. Ekuitas; 4. Laporan Laba (Rugi) dan Penghasilan Komprehensif Lain; 5. Laporan Arus kas; 6. Rasio Keuangan Utama.

The review and analysis about the Company’s financial and operational performance for the financial year of 2016 is compiled based on the Bank’s Financial Report which was presented in accordance with financial accounting principles which were generally accepted in Indonesia (PSAK) for the year that ended in December 31, 2016. The financial report has been audited by Aidil Yuzar, SE.Ak., CPA., Public Accountant Office with business license number 288/KM.1/2012 and Public Accountant Registration number AP0608. Regarding the condition and financial performance, it is presented in 6 (six) parts as follows: 1. Assets; 2. Liabilities; 3. Equity; 4. Statement of Profit or Loss and Other Comprehensive Income; 5. Statement of Cash flows; 6. Primary Financial Ratios.

Aset Pada tahun 2016, total aset yang berhasil dibukukan sebesar Rp7,02 triliun, atau mengalami peningkatan sebesar 20,46% jika dibandingkan dengan tahun 2015.

Assets In 2016, recorded total assets are as much as Rp7.02 trillion, or increasing as much as 20.46% compared to 2015. The Company’s assets includes productive and non-


productive assets. In detail, the Company’s assets are cash, current accounts and placement with Bank Indonesia, placement with other banks, investments in securities, financing, premises and equipment, deferred tax assets, and other assets.

Aset Perseroan terdiri dari aset produktif dan nonproduktif. Secara detail yang termasuk aset Perseroan, yakni kas, giro dan penempatan pada Bank Indonesia, penempatan pada bank lain, investasi pada surat berharga, pembiayaan yang diberikan, aset tetap, aset pajak tangguhan, dan aset lain.

PANGSA ASET PT Bank Syariah Bukopin 2015 - 2016 assets share of PT Bank Syariah Bukopin 2015 - 2016

2,73

201 5

1,97

2,76

%

%

%

Terhadap Aset Perbankan Syariah For Assets of Sharia Banking Terhadap Aset Bank Umum Syariah For Assets of Sharia Commercial Banking

201 6

1,97

%

Aset PT Bank Syariah Bukopin 2015 - 2016 assets of PT Bank Syariah Bukopin 2015 - 2016 KETERANGAN Kas Giro dan Penempatan Pada Bank Indonesia

2015 2016 s(%)

DESCRIPTION

47.118 47.444 0,69 893.612 1.522.595 70,39

Cash Current Accounts and Placements with Bank Indonesia Placements with Other Banks - Net Investment In Securities - Net Financing - Net Premises and Equipment - Net Deferred Tax Assets - Net Other Assets

Penempatan Pada Bank Lain - Bersih Investasi Pada Surat Berharga - Bersih Pembiayaan Yang Diberikan - Bersih Aset Tetap - Bersih Aset Pajak Tangguhan - Bersih Aset Lain - Lain

270.991 123.710 4.237.656 110.754 19.827 123.486

260.507 113.912 4.702.267 138.779 17.567 216.528

-3,87 -7,92 10,96 25,30 -11,40 75,35

Jumlah Aset

5.827.154

7.019.599

20,46

Aset Produktif Aset non Produktif

5.304.158 522.996

6.454.386 565.213

21,69 8,07

Total Assets Earning Assets Non - Earning Assets

s(%): pertumbuhan/growth; dalam jutaan rupiah, kecuali dinyatakan dalam satuan lain/in millions of rupiah, unless stated in other units.

Pangsa pasar aset Perseroan terhadap perbankan syariah sebesar 1,97% pada Desember 2016, atau tidak mengalami perubahan dari tahun sebelumnya. Sedangkan pangsa pasar terhadap Bank Umum Syariah (BUS) mencapai sebesar 2,76%, atau mengalami peningkatan dari posisi tahun sebelumnya yang sebesar 2,73%. 1. Kas Kas Perseroan hingga posisi 31 Desember 2016 mencapai Rp47,44 miliar. Posisi ini mengalami peningkatan sebesar 0,69% jika dibandingkan tahun sebelumnya.

The Company’s market share to sharia banking is as much as 1.97% in December 2016, no changing from its position in the previous year. Meanwhile, the market share towards Sharia Commercial Bank reached as much as 2.76%, or increasing from the position in the previous year which was as much as 2.73%. 1. Cash The Company’s cash until December 31, 2016 reached as much as Rp47.44 billion. This position is increasing as much as 0.69% compared to the previous year.


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2. Giro dan penempatan pada BI Penempatan dana pada BI hingga posisi 31 Desember 2016 mencapai Rp1,52 triliun, atau mengalami peningkatan sebesar 70,39% dibandingkan posisi yang sama pada tahun sebelumnya.

2. Current accounts and placement with BI Fund placement with BI until December 31, 2016 reached as much as Rp1.52 trillion, or increasing as much as 70.39% compared to the same position in the previous year.

3. Penempatan pada bank lain Penempatan dana pada bank lain hingga posisi 31 Desember 2016 mencapai Rp260,51 miliar, atau mengalami penurunan sebesar 3,87% jika dibandingkan posisi yang sama pada tahun sebelumnya.

3. Placement with other banks Fund placement with other banks until December 31, 2016 reached as much as Rp260.51 billion or decreasing as much as 3.87% compared to the same position in the previous year.

4. Investasi pada surat berharga Investasi pada surat berharga hingga 31 Desember 2016 mencapai sebesar Rp113,91 miliar, atau mengalami penurunan sebesar 7,92% dibandingkan tahun sebelumnya.

4. Investment in securities Investment in securities until December 31, 2016 reached as much as Rp113.91 billion, or increasing as much as 7.92% compared to the previous year.

5. Pembiayaan yang diberikan bersih Pembiayaan yang diberikan bersih hingga posisi 31 Desember 2016 mencapai Rp4,70 triliun, atau mengalami peningkatan sebesar 10,96% dibandingkan posisi yang sama pada tahun sebelumnya.

5. Financing-net Financing facilities until December 31, 2016 reached as much as Rp4.70 trillion, or increasing as much as 10.96% compared to the same position in the previous year.

6. Aset tetap bersih Posisi aset tetap Perseroan hingga 31 Desember 2016 mencapai sebesar Rp138,78 miliar, atau mengalami peningkatan sebesar 25,30% jika dibandingkan dengan posisi yang sama pada tahun sebelumnya.

6. Premises and equipment - net The position of the Company’s Premises and equipment until December 31, 2016 reached as much as Rp138.78 billion, or increasing as much as 25.30% compared to the same position in the previous year.

7. Aset pajak tangguhan Posisi aset pajak tangguhan hingga 31 Desember 2016 mencapai sebesar Rp17,57 miliar, atau mengalami penurunan sebesar 11,40% jika dibandingkan posisi yang sama pada tahun sebelumnya.

7. Deferred tax assets The position of deferred tax assets until December 31, 2016 reached as much as Rp17.57 billion, or decreasing as much as 11.40% compared to the same position in the previous year.

8. Aset lain Posisi aset lain hingga 31 Desember 2016 mencapai sebesar Rp216,53 miliar, atau mengalami kenaikan sebesar 75,35% jika dibandingkan posisi yang sama pada tahun sebelumnya.

8. Other assets Position of other assets until December 31, 2016 reached as much as Rp216.53 billion, or increasing as much as 75.35% compared to the same position in the previous year.


Liabilities

Liabilitas

liabilitas PT Bank Syariah Bukopin 2015 - 2016 Liabilities of PT Bank Syariah Bukopin 2015 - 2016 DESCRIPTION

KETERANGAN

2015 2016 s(%)

Liabilitas Segera & Bagi Hasil Yang Belum Dibagikan Simpanan Wadiah Simpanan Dari Bank Lain Utang Pajak Pinjaman Yang Diterima Estimasi Kerugian Komitmen Dan Kontijensi Liabilitas Lain-lain Pinjaman Subordinasi

21.470

19.163

-10,75

681.966 5.801 12.674 49.780 0

731.448 380.942 10.178 49.780 0

7,26 6.466,83 -19,69 0,00 0.00

54.548 50.000

72.802 50.000

33,46 0,00

Obligation Due Immediately & Undistributed Revenue Sharing Wadiah Deposits Deposits From other Banks Taxes Payable Fund Borrowings Estimated Losses On Commitments And Contigencies Others Liabilities Subordinated Financing

876.239

1.314.314

49,99

Total Liabilities

Jumlah Liabilitas


Jumlah Liabilitas hingga 31 Desember 2016 mencapai Rp1,31 triliun. Jumlah tersebut mengalami peningkatan sebesar 49,99% jika dibandingkan dengan posisi yang sama pada tahun sebelumnya. Pada tahun 2016, Liabilitas segera dan bagi hasil yang belum dibagikan mencapai Rp19,16 miliar, turun sebesar 10,75% dibandingkan tahun sebelumnya. Simpanan wadiah mencapai Rp731,45 miliar, atau meningkat sebesar 7,26% dibandingkan tahun 2015. Simpanan dari bank lain mencapai sebesar Rp380,94 miliar, atau mengalami peningkatan sebesar 6.466,83% dibandingkan tahun sebelumnya. Utang pajak mencapai Rp10,18 miliar, turun sebesar 19,69%. Pinjaman yang diterima mencapai sebesar Rp49,78 miliar, tidak mengalami perubahan dari tahun sebelumnya. Tidak ada estimasi kerugian komitmen dan kontijensi pada tahun 2016 dan tahun sebelumnya. Kewajiban lain-lain mencapai sebesar Rp72,80 miliar, atau meningkat sebesar 33,46%. Serta, pinjaman sub-ordinasi mencapai sebesar Rp50 miliar, atau sama dengan tahun sebelumnya.

The amount of the Company’s liabilities until December 31, 2016 reached as much as Rp1.31 trillion. This amount is increasing/decreasing as much as 49.99% compared to the same position in the previous year. In 2016, obligation due immediately and undistributed revenue sharing reached as much as Rp19.16 billion, increasing as much as 10.75% compared to the previous year. Wadiah deposits reached as much as Rp731.45 billion, or increasing as much as 7.26% compared to 2015. Deposits from other banks reached as much as Rp380.94 billion, or decreasing/increasing as much as 6,466.83% compared to the previous year. Taxes payable reached as much as Rp10.18 billion, decreasing as much as 19,69%. Fund borrowings reached as much as Rp49.78 billion, same as the previous year. No estimated losses on commitments and contigencies reached in this year and the previous year. Other liabilities reached as much as Rp72.80 billion, or increasing as much as 33.46%. Furthermore, subordinated funds reached as much as Rp50 billion, or the same as the previous year.

Dana Pihak Ketiga DPK yang berhasil dibukukan pada tahun 2016 mencapai sebesar Rp5,44 triliun, atau mengalami peningkatan sebesar 14,43% jika dibandingkan dengan pencapaian pada tahun 2015. Adapun pangsa pasar DPK Perseroan terhadap perbankan syariah sebesar 1,95% pada tahun 2016, atau mengalami penurunan dari tahun sebelumnya yang sebesar 2,06%. Sedangkan pangsa pasar terhadap BUS mencapai sebesar 2,64%, atau mengalami penurunan dari posisi tahun sebelumnya yang sebesar 2,72%.

Third Party Funds Third party funds that was managed to be recorded in 2016 reached as much as Rp5.44 trillion, or increasing as much as 14.43% compared to the achievement in 2015. Third party funds market share of the Company towards sharia banking reached as much as 1.95% in 2016, or increasing from the previous year which was as much as 2.06%. Meanwhile, the market share towards Sharia Commercial Bank reached as much as 2.64%, or decreasing from the position in the previous year, which was much 2.72%.


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PANGSA DANA PIHAK KeTIGA PT Bank Syariah Bukopin 2015 - 2016 third party funds share of PT Bank Syariah Bukopin 2015 - 2016

2,64

% 2,72

201 5

2,06

%

%

Terhadap Dana Pihak Ketiga Perbankan Syariah For Third Party Funds of Sharia Banking Terhadap Dana pihak Ketiga Bank Umum Syariah For Third Party Funds of Sharia Commercial Bank

201 6

1,95

%

Dana Pihak Ketiga PT Bank Syariah Bukopin 2015 - 2016 Third party funds of PT Bank Syariah Bukopin 2015 - 2016 KETERANGAN

2015 2016 s(%)

Giro Tabungan Deposito

350.381 391.470 596.939 712.505 3.808.983 4.338.634

11,73 19,36 13,91

Jumlah

4.756.303 5.442.609

14,43

DESCRIPTION Current Accounts Saving Time Deposits Total


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1. Giro Pada tahun 2016 giro yang berhasil dibukukan Perseroan meningkat menjadi sebesar Rp391,47 miliar, atau mengalami peningkatan sebesar 11,73% jika dibandingkan dengan pencapaian pada tahun sebelumnya.

1. Current Accounts In 2016, current accounts that was managed to be recorded by the Company has increased to reach Rp391.47 billion, or increasing as much as 11.73% compared to the achievement in the previous year.

2. Tabungan Total tabungan yang berhasil dibukukan pada tahun 2016 mencapai Rp712,51 miliar, atau mengalami peningkatan sebesar 19,36% jika dibandingkan dengan pencapaian pada tahun sebelumnya.

2. Saving Total saving that was managed to be recorded in 2016 reached as much as Rp712.51 billion, or increasing as much as 19.36% compared to the achievement in the previous year.

3. Deposito Total deposito yang berhasil dibukukan pada tahun 2016 mencapai sebesar Rp4,34 triliun, atau mengalami peningkatan sebesar 13,91% jika dibandingkan dengan pencapaian pada tahun sebelumnya.

3. Time Deposits Total time deposits that was managed to be recorded in 2016 reached as much as Rp4.34 trillion, or increasing as much as 13.91% compared to the achievement in the previous year.


Ekuitas Pada tahun 2016 jumlah ekuitas Perseroan mencapai Rp798,57 miliar. Jumlah tersebut mengalami peningkatan sebesar 26,14% jika dibandingkan dengan tahun 2015. Pada tahun 2016 modal disetor Perseroan mencapai Rp850,37 miliar, atau meningkat sebesar 13,33% jika dibandingkan tahun sebelumnya. Sementara cadangan umum pada tahun 2016 mencapai Rp1,21 miliar. Selain itu, komponen ekuitas lainnya mengalami peningkatan sebesar 762,01% menjadi Rp37,08 miliar pada 2016 dari Rp4,30 pada tahun sebelumnya. Sedangkan saldo laba (rugi) mencapai Rp-90,09 miliar, atau mengalami pertumbuhan sebesar 26,64% dari tahun 2015.

Equity In 2016, the Company’s total equity reached as much as Rp798.57 billion. This amount has increased as much as 26.14% compared to 2015. In 2016, the Company’s paid-in capital reached as much as Rp850.37 billion, or increasing as much as 13.33% compared to the previous year. In addition, other component equity increased by 762.01% to Rp37.08 billion in 2016 from Rp4.30 billion in the previous year. Meanwhile, general reserve in 2016 reached as much as Rp1.21 billion and retained earnings (loss) reached as much as Rp-90.09 billion, or grew as much as 26.64% from 2015.

Ekuitas PT Bank Syariah Bukopin 2015 - 2016 Equity of PT Bank Syariah Bukopin 2015 - 2016 KETERANGAN

DESCRIPTION

2015 2016 s(%)

Modal Disetor Cadangan Umum dan Khusus Komponen Ekuitas Lainnya Saldo Laba (Rugi)

750.370 1.213 4.301 -122.800

850.370 1.213 37.075 -90.090

13,33 0,00 762,01 26,64

Paid - In Capital General and Specific Reserves Other Component Equities Retained Earnings (Loss)

Jumlah Ekuitas

633.084

798.568

26,14

Total Equity


Laporan Laba (Rugi) dan Penghasilan Komprehensif Lain Perseroan mampu meningkatkan jumlah laba komprehensif tahun berjalan dengan signifikan pada tahun 2016. Jumlah laba tahun berjalan mencapai sebesar Rp65,49 miliar, atau mengalami peningkatan sebesar 122,36% jika dibandingkan dengan pencapaian pada tahun 2015.

Statement of Profit (Loss) and Other Comprehensive Income The Company was able to increase the amount of comprehensive profit significantly in 2016. Total income for the year reached as much as Rp65.49 billion, or increasing as much as 122.36% compared to the achievements in 2015.

1. Pendapatan Pengelolaan Dana oleh Bank Sebagai Mudharib Pendapatan Pengelolaan Dana oleh Bank Sebagai Mudharib yang berhasil dibukukan pada tahun 2016 mencapai Rp575,17 miliar, atau mengalami peningkatan sebesar 13,84% jika dibandingkan dengan tahun sebelumnya.

1. Revenue from Fund Management as Mudharib Recorded revenue from funds management as Mudharib in 2016 was as much as Rp575.17 billion, or increasing as much as 13.84% compared to the previous year.

2. Hak Pihak Ketiga atas Bagi Hasil Dana Syirkah Temporer Pada tahun 2016, Hak Pihak Ketiga Atas Bagi Hasil Dana Syirkah Temporer mencapai sebesar Rp373,82 miliar, atau meningkat sebesar 8,90% dibandingkan tahun sebelumnya.

2. Third Parties’ Share on Return of Temporary Syirkah Fund In 2016, third parties share on return of temporary syirkah funds reached as much as Rp373.82 billion, or increasing as much as 8.90% compared to the previous year.

3. Hak Bagi Hasil Milik Bank Pada tahun 2016, Hak Bagi Hasil Milik Bank yang dibukukan mencapai sebesar Rp201,35 miliar, atau meningkat sebesar 24,30% dibandingkan dengan tahun sebelumnya.

3. Bank’s Share in Profit Sharing In 2016, the recorded Bank’s share in profit sharing reached as much as Rp201.35 billion, or increasing as much as 24.30% compared to the previous year.


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LAporan Laba (Rugi) Komprehensif PT Bank Syariah Bukopin 2015 - 2016 Statement of Profit (Loss) Comprehensive of PT Bank Syariah Bukopin 2015 - 2016 KETERANGAN

2015 2016 s(%)

ITEMS

Pendapatan Pengelolaan Dana 505.265 575.169 13,84 Revenue from Fund Management Oleh Bank Sebagai Mudharib as Mudharib Hak Pihak Ketiga Atas Bagi Hasil 343.275 373.817 8,90 Third Parties' Share on Return Dana Syirkah Temporer of Temporary Syirkah Funds Hak Bagi Hasil Milik Bank 161.990 201.353 24,30 Bank's Share in Profit Sharing Pendapatan Usaha Lainnya 60.816 96.702 59,01 Other Operating Income Beban Usaha 178.099 245.095 37,62 Operating Expenses Laba Usaha 44.707 52.960 18,46 Profit from Operations Beban Non Usaha - Bersih 4.041 5.126 26,85 Non Operating Expenses - Net Laba Sebelum Beban 40.666 47.834 17,63 Income Before Income Pajak Penghasilan Tax Expense Beban Pajak Penghasilan - Bersih 12.887 15.124 17,36 Income Tax Expense - Net Laba Tahun Berjalan 27.778 32.710 17,76 Income for The Year Penghasilan Komprehensif Lainnya 1.672 32.775 1.860,23 Other Comprehensive Income Jumlah Penghasilan Komprehensif 29.450 65.485 122,36 Total Comprehensive Income Tahun Berjalan For The Year ROA 0,79% 0,76% ROA ROE 5,35% 5,15% ROE NCOM 3,14% 3,31% NCOM BOPO 91,99% 91,76% BOPO s(%): pertumbuhan/growth; dalam jutaan rupiah, kecuali dinyatakan dalam satuan lain/in millions of rupiah, unless stated in other units.

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4. Pendapatan Usaha Lainnya Pada tahun 2016, Pendapatan Usaha Lain bank yang dibukukan mencapai sebesar Rp96,70 miliar, atau mengalami peningkatan sebesar 59,01% jika dibandingkan dengan tahun sebelumnya.

4. Other Operating Income In 2016, other operating income that was managed to be recorded by the Bank reached as much as Rp96.70 billion, or increasing as much as 59.01% compared to the previous year.

5. Beban Usaha Beban usaha bank pada tahun 2016 sebesar Rp245,10 miliar, atau meningkat sebesar 37,62% dibandingkan tahun sebelumnya.

5. Operating Expenses The Bank’s operating expenses in 2016 was as much as Rp245.10 billion, or increasing as much as 37.62% compared to the previous year.

6. Laba Usaha Laba usaha yang berhasil dibukukan mencapai sebesar Rp52,96 miliar, atau mengalami peningkatan sebesar 18,46% jika dibandingkan dengan tahun sebelumnya.

6. Profit from Operations Profit from operating that was managed to be recorded reached as much as Rp52.96 billion, or increasing as much as 18.46% compared to the previous year.

7. Beban Non-usaha - Bersih Pada tahun 2016, Beban Non-usaha yang tercatat mencapai sebesar Rp5,13 miliar, atau meningkat sebesar 26,85% dibandingkan dengan tahun sebelumnya.

7. Non Operating Expenses - Net In 2016, Non operating expenses was recorded to be as much as Rp5.13 billion, or increasing as much as 26.85% compared to the previous year.


Arus Kas Arus Kas Perseroan pada tahun 2016 mengalami pertumbuhan sebesar 51,07%. Untuk lebih detailnya dapat dilihat pada tabel di bawah ini:

Cash Flows The Company’s cash flows in 2016 have grown as much as 51.07%. Check out the details in the table below:

Arus Kas PT Bank Syariah Bukopin 2015 - 2016 Cash Flows of PT Bank Syariah Bukopin 2015 - 2016 KETERANGAN Kas Bersih Digunakan Untuk Aktivitas Operasi Kas Bersih Digunakan Untuk Aktivitas Investasi Kas Bersih Diperoleh Dari Aktivitas Pendanaan Kenaikan Bersih Kas Dan Setara Kas Saldo Kas dan Setara Kas Pada Awal Tahun Saldo Kas dan Setara Kas Pada Akhir Tahun

DESCRIPTION

2015 2016 s(%) 440.267

78.423

-82,19

-38.724

8.364

121,60

587.492

688.885

17,26

108.502

618.826

470,34

1.103.218 1.211.720

9,84

1.211.720 1.830.546

51,07

Net Cash Used In Operating Activities Net Cash Used In Investing Activities Net Cash from Financing Activities Net Increase in Cash and Cash Equivalents Cash and Cash Equivalents at Beginning of The Year Cash and Cash Equivalents at End of The Year


Rasio Keuangan Utama l Capital Adequacy Ratio (CAR) CAR Perseroan pada tahun 2016 mencapai sebesar 17,00%. Rasio ini mengalami peningkatan dibandingkan tahun 2015 yang sebesar 16,31%.

Primary Financial Ratio l Capital Adequacy Ratio (CAR)

The Company's CAR in 2016 reached as much as 17.00%. This ratio is increasing compared to 2015, which was 16.31%.

l Return on Asset (ROA)

l Return on Asset (ROA)

ROA Perseroan pada tahun 2016 mencapai sebesar 0,76%. ROA mengalami penurunan dibandingkan tahun 2015 yang sebesar 0,79%.

l Financing to Deposit Ratio (FDR) FDR Perseroan tahun 2016 mencapai 88,18%, atau mengalami penurunan dibandingkan dengan tahun 2015 yang mencapai sebesar 90,56%.

l Financing to Deposit Ratio (FDR)

l Return on Equity (ROE)

l Return on Equity (ROE)

ROE pada tahun 2016 mencapai sebesar 5,15%. ROE mengalami penurunan dibandingkan tahun 2015 yang sebesar 5,35%.

l Net Imbalan

l Net Return

Net imbalan pada tahun 2016 mencapai sebesar 3,31%, atau mengalami peningkatan jika dibandingkan dengan tahun 2015 yang sebesar 3,14%.

l Beban Operasional Pendapaan Operasional (BOPO)

l Operating Expenses Operating Income

BOPO Perseroan pada tahun 2016 berada di angka 91,76%. BOPO mengalami penurunan jika dibandingkan dengan tahun 2015 yang mencapai 91,99%.

The Company's ROA in 2016 reached as much as 0.76%. The ROA is increasing compared to 2015, which was as much as 0.79%.

FDR in 2016 reached as much as 88.18%, or decreasing compared to 2015, which was 90.56%.

ROE in 2016 reached as much as 5.15%. ROE is increasing compared to 2015 which was as much as 5.35%.

Net return in 2016 reached as much as 3.31%, or increasing compared to 2015 which was as much as 3.14%.

The Company's Operating Expenses Operating Income in 2016 is at the amount of 91.76%. BOPO is decreasing compared to 2015 which was as much as 91.99%.


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l Non Performing Financing (NPF)

l Non Performing Financing (NPF)

NPF atau rasio tingkat pembiayaan bermasalah pada tahun 2016 menjadi sebesar 3,17% untuk NPF gross dan 2,72% untuk NPF net. Sebelumnya pada tahun 2015 NPF gross mencapai 2,99% dan NPF net sebesar 2,74%.

Solvabilitas dan kolektibilitas

Solvability and collectibility

Perseroan memiliki tingkat kemampuan membayar utang yang tergolong cukup baik. Hal ini di antaranya bisa dilihat melalui Cadangan Kerugian Penurunan Nilai (CKPN) aset keuangan terhadap aset produktif. Sepanjang tahun 2016, rasio CKPN aset keuangan terhadap aset produktif sebesar 1,60%, sebelumnya pada tahun 2015 sebesar 1,36%. Serta, tingkat kemampuan bank untuk menutup sebagian atau seluruh utang-utangnya dengan ekuitas dapat dinilai melalui Debt to Equity Ratio (DER) sebesar 60,76% pada tahun 2016, sebelumnya pada tahun 2015 sebesar 72,25%

The level of debt disbursement of The Company consider in a good condition. It can be seen through the Allowance for Impairment Losses financial assets to productive assets. Throughout 2016, the Allowance for Impairment Losses ratio of financial assets to productive assets amounted 1.60%, earlier in 2015 amounted 1.36%. And also, the level of ability of the bank to cover part or all of the debts with equity can be assessed through the Debt to Equity Ratio (DER) of 60.76% in 2016, before the year 2015 amounted 72.25%.

NPF or the ratio of non performing financing in 2016 3.17% for gross NPF and 2.72% for Net NPT. Previously, in 2015, gross NPF reached as much as 2.99% and net NPF reached as much as 2.74%.

Aktiva Produktif PT Bank Syariah Bukopin 2015 - 2016 Earning Assets of PT Bank Syariah Bukopin 2015 - 2016 KETERANGAN

2015 2016

Aset Produktif Bermasalah dan Aset 2,44% 2,36% Non Produktif Bermasalah Terhadap Total Aset Produktif dan Aset Non Produktif Aset Produktif Bermasalah Terhadap 2,44% 2,39% Total Aset Produktif Cadangan Kerugian Penurunan Nilai (CKPN) 1,36% 1,60% Aset Keuangan Terhadap Aset Produktif NPF Gross 2,99% 3,17% NPF Netto 2,74% 2,72% Sementara itu, tingkat kolektibilitas seluruh giro dan penempatan pada Bank Indonesia, penempatan pada bank lain, investasi pada surat berharga, dan pinjaman Qardh, pada tanggal 31 Desember 2016 digolongkan lancar. Selain itu, untuk menutup kemungkinan kerugian yang terjadi karena tidak tertagihnya pembiayaan dan aktiva produktif, Perseroan selalu mengadakan analisis umur aktiva dan perhitungan penyisihan atas kemungkinan terjadinya kerugian dari tidak tertagihnya pembiayaan.

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DESCRIPTION

Non Performing Earning Assets and Non Performing Non Earning Assets to Total Earning Assets and Non Earning Assets Non Performing Earning Assets to Total Earning Assets Allowance for Impairment Losses on Financial Assets to Earning Assets Gross NPF Net NPF

Meanwhile, the collectibility of the entire current accounts and placements at Bank Indonesia, placements with other banks, investments in marketable securities, and Qardh loans, on December 31, 2016 were classified as a streamlined. More over, to cover potential losses due to uncollectible finance and productive assets, the Company has always held aging analysis of assets and the calculation of the allowance for possible losses on uncollectible financing.

LIKuiditas PT Bank Syariah Bukopin 2015 - 2016 Liquidity of PT Bank Syariah Bukopin 2015 - 2016 KETERANGAN

DESCRIPTION

2015 2016

Rasio Pembiayaan Terhadap Dana Pihak Ketiga 90,56% Pembiayaan Bagi Hasil Terhadap 48,09% Total Pembiayaan Rasio Lancar 16,19% Rasio Utang Terhadap Ekuitas 72,25% Rasio Utang Terhadap Aset 15,04%

88,18% 52,56%

Financing to Deposit Ratio (FDR) Profit Sharing Share to Total Financing

23,75% 60,76% 18,72%

Quick Ratio Debt to Equity Ratio Debt to Asset Ratio

Sepanjang tahun 2016, jumlah penyisihan kerugian adalah cukup untuk menutup kemungkinan kerugian akibat tidak tertagihnya giro dan penempatan pada Bank Indonesia, giro pada bank lain, penempatan pada bank lain, investasi pada surat berharga, piutang, pinjaman Qardh, pembiayaan Mudharabah dan pembiayaan Musyarakah serta telah memenuhi ketentuan BI.

Throughout 2016, the allowance for losses is adequate to cover possible losses on current accounts and placements at Bank Indonesia, current accounts at other banks, placements with other banks, investments in marketable securities, accounts receivable, Qardh loans, Mudharabah financing, Musyarakah financing and also has comply with BI provision.

Struktur Modal dan Kebijakan Manajemen Atas Struktur Modal

Capital Structure and Management Policy on Capital Structure

Total modal yang dibukukan pada tahun 2016 mencapai sebesar Rp838,70 miliar, atau mengalami peningkatan sebesar 21,45% jika dibandingkan dengan posisi pada tahun sebelumnya. Adapun untuk modal inti mencapai Rp776,84 miliar, atau mengalami peningkatan sebesar 27,57% jika dibandingkan dengan posisi pada tahun sebelumnya, sedangkan modal pelengkap pada tahun 2016 mencapai Rp61,86 miliar, atau mengalami penurunan sebesar 24,23% dibandingkan tahun sebelumnya.

Total capital recorded in 2016 reached Rp838.70 billion, or an increase of 21.45% compared with the position in the previous year. As for core capital reached Rp776.84 billion, or an increase of 27.57% compared with the position in the previous year, while the supplementary capital in 2016 reached Rp61.86 billion, or decreased 24.23% compared to the previous year.

MANAJEMEN PERMODALAN PT Bank Syariah Bukopin 2015 - 2016 Capital MANAGEMENT of PT Bank Syariah Bukopin 2015 - 2016 KETERANGAN Modal Inti Modal Pelengkap

608.955 81.638

Jumlah

690.593 838.696 21,45

Jumlah Aktiva Tertimbang Menurut Risiko Rasio Kewajiban Penyediaan Modal Minimum (KPMM)

DESCRIPTION

2015 2016 s(%)

4.233.939 16.31%

776.837 61.859

Core Capital Supplementary Capital

27,57 -24,23

Total

16,53

Total Risk Weight Assets

17,00%

Capital Adequacy Ratio (CAR)

4.933.796


Sedangkan untuk CAR pada tahun 2016 mencapai 17,00%, meningkat dibandingkan tahun 2015 yang sebesar 16,31%. CAR yang dimiliki jauh melebihi ambang batas yang ditentukan regulator.

As for the CAR in 2016 reached 17.00%, an increase compared to 2015 which amounted 16.31%. CAR owned by the Company exceeds the specified threshold regulator.


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Ikatan Material Untuk Investasi Barang Modal

Bonding Materials for Capital Goods Investment

Ikatan investasi barang modal yang dikeluarkan Perseroan pada tahun 2016 dilakukan dalam rangka mendukung bisnis dan usaha yang dilakukan. Ikatan tersebut ialah untuk pengembangan Teknologi Informasi (TI) dan pembangunan infrastuktur.

Capital goods investment bonds issued by the Company in 2016 carried out in order to support the business and the work that has been done. The bond is for the development of Information Technology (IT) and infrastructure.

Investasi Barang Modal Yang Direalisasikan Pada Tahun Buku Akhir

Realization in Capital Good Investment on Year End Fiscal

Investasi pada pengembangan TI dan pembangunan infrastruktur yang dilakukan Perseroan pada tahun 2016 senilai Rp8 miliar. Investasi ini dinilai sangat penting oleh Perseroan guna mendukung pengembangan bisnis. Dengan demikian, bisnis dan usaha yang dilakukan Perseroan bisa terus berjalan dengan baik.

Investments in IT development and infrastructure development conducted by the Company in 2016 worth Rp8 billion. This investment considered very important by the Company to support business development. Thus, the business conducted by the Company can continue to run well.

Target dan Realisasi Tahun Buku Serta Target Tahun Buku Berikutnya

Target and Realization on Fiscal Year and Target on The Next Fiscal Year

Perseroan berhasil membukukan kinerja yang cukup baik pada tahun 2016. Sebagian besar kinerja keuangan yang berhasil direalisasikan pada tahun 2016 belum sepenuhnya mencapai target yang dicanangkan dalam Rencana Bisnis Bank (RBB) tahun 2016.

The Company managed to record good performance in 2016. Most successful realisation on financial performance in 2016 not fully could exceed the target set in the Business Plan in 2016.

Kinerja keuangan yang cukup baik tersebut ditunjukkan oleh beberapa indikator, di antaranya: l Total aset sebesar Rp7,02 triliun pada tahun 2016. Realisasi ini mencapai 92,24% dari target dalam RBB tahun 2016. l Pembiayaan yang disalurkan sepanjang tahun 2016 mencapai Rp4,80 triliun, atau berhasil merealisasikan 93,57% dari target dalam RBB. l Penghimpunan DPK pada tahun 2016 tercatat sebesar Rp5,44 triliun, atau mencapai 98,01% dari target dalam RBB. l Laba usaha yang dibukukan pada tahun 2016 tercatat sebesar Rp52,96 miliar, atau berhasil merealisasikan 96,16% dari target dalam RBB. l Modal inti yang dibukukan pada tahun 2016 mencapai sebesar Rp776,84 miliar, atau berhasil merealisasikan sebesar 44,47% dari target dalam RBB. l Perseroan juga berhasil melakukan langkah efisiensi yang terekam dalam BOPO yang lebih rendah dibandingkan target dalam RBB, yakni menjadi sebesar 90,59% dari target sebesar 91,17%.

A fairly good financial performance is demonstrated by several indicators, including: l Total assets of Rp7.02 trillion in 2016. This realization is reached 92.24% from the Bank Business Plan target in 2016. l Financing disbursed throughout 2016 reached Rp4.80 trillion, or managed to realize 93.57% of the target in the Bank Business Plan. l Third party funds collection in 2016 amounted to Rp5.44 trillion, or reach 98.01% of the target in the Bank Business Plan. l Profit from operations recorded in 2016 was Rp52.96 billion, or managed to realize 96.16% of the target in the Bank Business Plan. l Core capital recorded in 2016 reached Rp776,84 billion, or managed to realize at 44.47% of the target in the Bank Business Plan. l The Company have also succesful in measure efficiency which recorded in Operating Expenses Operating Income lower than the target in the Bank Business Plan, which amounted 90.59% of the target of 91.17%.

Untuk lebih rincinya bisa dilihat pada tabel target dan realisasi Perseroan 2016 di bawah ini:

For more details shown on the target table and the realization of Perseroan 2016 below:


Target dan Realisasi PT Bank Syariah Bukopin 2015 - 2016 Target and Realization of PT Bank Syariah Bukopin 2015 - 2016 KETERANGAN

TARGET 2016/ REALISASI 2016/ TARGET 2016 REALIZATION 2016

TARGET 2017/ TARGET 2017

ITEMS

Jumlah Aset Pembiayaan Dana Pihak Ketiga Giro Tabungan Deposito Jumlah Ekuitas Pendapatan Pengelolaan Dana Oleh Bank Sebagai Mudharib

7.610.188 5.129.276 5.552.912 386.110 695.194 4.471.608 1.817.948 618.728

7.019.599 4.799.486 5.442.608 391.470 712.505 4.338.634 798.568 575.169

7.792.246 6.155.131 6.496.905 440.327 811.626 5.244.952 914.029 737.670

Total Assets Financing Third Party Funds Current Accounts Saving Time Deposits Total Equity Revenue From Fund Management As Mudharib

Hak Pihak Ketiga Atas Bagi Hasil Dana Syirkah Temporer

408.311

373.817

463.060

Hak Bagi Hasil Milik Bank Pendapatan Usaha Lainnya Beban Usaha Laba Usaha Laba Tahun Berjalan Modal Inti Modal Pelengkap Modal Pelengkap Tambahan Kewajiban Penyediaan Modal Minimum (KPMM) Laba Bersih Terhadap Rata-Rata Aset Laba Bersih Terhadap Rata-Rata Modal Net Imbalan Pembiayaan Terhadap Dana Pihak Ketiga Pembiayaan Bermasalah Kotor Pembiayaan Bermasalah Bersih Beban Operasional Terhadap Pendapatan Operasional (BO/PO)

210.417 42.931 194.979 55.077 37.866 1.746.821 142.582 - 36,82%

201.353 274.610 96.702 66.026 245.095 276.072 52.960 61.384 32.710 42.705 776.837 896.335 61.859 101.536 - 17,00% 17,92%

Third Parties' Share on Return Sharing of Temporary Syirkah Funds Bank's Shares in Profit Sharing Other Operating Income Operating Expenses Profit From Operations Income For the Year Core Capital Supplementary Capital Additional Supplementary Capital CAR

0,86%

0,76%

0,84%

ROA

5,12%

5,15%

5,36%

ROE

3,19% 92,37%

3,31% 88,18%

3,58% 94,74%

NI FDR

2,91% 2,25% 91,17%

3,17% 2,72% 91,76%

2,33% 1,89% 94,29%

NPF Gross NPF Net Operating Expense to Operating Income

dalam jutaan rupiah, kecuali dinyatakan dalam satuan lain/In millions of rupiah, unless stated in other units.

Target Perseroan Pada 2017 Perseroan memiliki target pertumbuhan yang lebih baik pada tahun 2017 ketimbang pencapaian pada tahun 2016. Hal tersebut seiring dengan adanya perbaikan ekonomi dan berbagai strategi yang diterapkan pada tahun 2017.

The Company Target in 2017 The Company targeted to have a better growth in 2017 than in 2016. This achievement is in line with the improving economy and various strategies applied in 2017.

Secara garis besar, Perseroan menargetkan pembiayaan dapat tumbuh sebesar 28,25% atau menjadi sebesar Rp6,16 triliun, dan DPK mampu tumbuh sebesar 19,37% atau menjadi sebesar Rp6,50 triliun.

In an outline, the Company targets in financing can grow by 28.25% or to Rp6.16 trillion, and third party funds grew by 19.37% or to Rp6.50 trillion.

Strategi Perseroan Pada 2017 Strategi yang diterapkan Perseroan untuk pertumbuhan bisnis yang lebih baik pada 2017 adalah dengan cara

The Company Strategy in 2017 The Company implement strategy for better business growth in 2017 by maximizing the PT. Bank Bukopin Tbk


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memaksimalkan outlet-outlet PT. Bank Bukopin Tbk yang merupakan induk usaha dengan Layanan Syariah Bank (LSB), yang merupakan point of sales. Saat ini LSB yang sudah beroperasi sebanyak 74 (tujuh puluh empat) outlet, dan direncanakan pada 2017 ada tambahan 52 (lima puluh dua) outlet lagi.

outlets which is the parent company of the Sharia Services Bank, which is the point of sales. Currently Sharia Services Bank already operating as many as 74 (seventy four) outlets, and plan to have 52 (fifty two) additional outlets in 2017.

LSB tersebut bertujuan untuk memperluas jaringan dan layanan, sehingga masyarakat dengan mudah dapat mengakses produk Pembiayaan dan Pendanaan syariah. Dengan pembukaan LSB tersebut ditargetkan pada 2017 dapat diperoleh peningkatan pembiayaan sebesar Rp5 miliar per outlet dan peningkatan DPK sebesar Rp6 miliar

These Sharia Services Bank aim to expand network and services, so that people can easily access sharia financing and funding products. With the opening of these Sharia Services Bank, it is targeted in 2017 to achieve an increase in financing as much as Rp5 billion per outlet and increase in third party funds as much as Rp6 billion per outlet.

Sementara itu, dalam memaksimalkan fungsi dalam meraih nasabah, Perseroan akan melakukan beberapa hal, di antaranya: l Keikutsertaan pada kegiatan-kegiatan promosi dan sosialisasi. l Mengadakan program promosi. l Memanfaatkan jaringan Amal Usaha Muhammadiyah di seluruh Indonesia, khususnya Pendidikan dan Kesehatan/rumah sakit baik untuk pembiayaan maupun penghimpunan dana. l Melakukan club deal dengan PT. Bank Bukopin, Tbk untuk pembiayaan yang relatif besar. l Menambah kerjasama dengan beberapa perusahaan Penjaminan untuk penerbitan Kontra Bank Garansi guna peningkatan fee based Income. l Memperkenalkan Perseroan sebagai bank Mitra Pemerintah untuk mensolisit dana-dana yang ada di Badan Layanan Umum. l Melakukan sinergisitas dengan asosiasi-asosiasi ekonomi syariah. l Melakukan sosialisasi melalui organisasi akademisi l Melakukan literasi dan edukasi keuangan syariah ke sekolah-sekolah dan perguruan tinggi.

Meanwhile, to maximize function in reaching customers, the Company will do several things, among others are: l Participate in promotion and socialization events. l Perform promotion program. l Utilizing a network of Muhammadiyah Charity

Business in Indonesia, especially for education and health / hospitals both for financing and fund raising l Conduct a club deal with PT. Bank Bukopin, Tbk for

relatively large financing. l Add on cooperation with some underwriters to publish

Contra Bank Guarantee in order to increase fee base income. l Introducing the Company as bank Government Partnership to solicit funds in the Public Service Board l Sinergize with sharia economy association l Perform socialization through academic organization l Perform literate and education about sharia financial

to schools and universities.

Informasi Dan Fakta Material Yang Terjadi Setelah Tanggal Laporan Akuntan

Information and Material Facts Which Occurred After The Date of Accountant Report

Tidak ada kejadian atau hal penting yang terjadi setelah tanggal laporan akuntan.

There are no matters or important event that occurred after the date of the accountant report.

Prospek Usaha

Business Prospect

Perekonomian Indonesia pada 2017 diproyeksikan akan lebih baik dibandingkan tahun sebelumnya. Hal ini dikarenakan adanya langkah dan kebijakan dari pemerintah dan segenap stakeholders di Tanah Air dalam rangka perbaikan ekonomi. Perbaikan ekonomi ke depan akan didorong oleh naiknya permintaan domestik,

Indonesian economy in 2017 is projected to be better than previous year, due to the steps and policies from the government and the entire stakeholders in Indonesia in order to improve economy. Future economy improvement will be driven by the increase of domestic demand, especially consumption, government investment,


Perseroan memiliki target pertumbuhan yang lebih baik pada tahun 2017 ketimbang pencapaian pada tahun 2016. The Company targeted to have a better growth in 2017 than in 2016.

terutama konsumsi, investasi pemerintah, dan konsumsi rumah tangga. Selain itu, juga didorong oleh stimulus fiskal dan kebijakan moneter yang melonggar.

and household consumption. Furthermore, economy improvement is also driven by fiscal stimulus and loosened monetary policy.

Seiring dengan perbaikan tersebut, tentu saja akan mendorong peningkatan penyaluran pembiayaan oleh bank, termasuk bank syariah. BI memproyeksikan pertumbuhan pembiayaan akan berada pada kisaran 10-12%, sedangkan Otoritas Jasa Keuangan (OJK) memproyeksikan pada kisaran 12-14%.

Along with these improvements, the increase of the Bank’s financing will certainly be boosted, including for sharia bank. BI projected that the increase of financing will be on the range of around 10-12%, while the Financial Services Authority projected it on the range of around 12-14%.

Dengan kondisi tersebut, Perseroan melihat peluang untuk mengembangkan bisnis pada 2017. Salah satunya dengan mendorong pertumbuhan bisnis (pembiayaan) di atas 10%. Walaupun demikian, sejatinya tetap ada kendala yang harus dihadapi perbankan syariah di Tanah Air, termasuk Perseroan, seperti keterbatasan instrumen likuid, permodalan, dan layanan syariah.

With this condition, the Company sees a chance to develop business in 2017. Among others are by boosting business growth (financing) for more than 10%. However, certainly there are still obstacles that will be faced by sharia banking in Indonesia, including the Company, such as liquid instrument limitation, capital, and sharia services.

Ke depan, Perseroan tetap konsisten dengan pangsa pasar usaha mikro, kecil, dan menengah (UMKM), karena sudah mempunyai brand dan dipercaya masyarakat pada segmentasi ini. Sedangkan, untuk konsentrasi pembiayaan pada beberapa segmen bisnis yang relatif baik dan stabil, seperti pendidikan, kesehatan, perdagangan, kontraktor, dan supplier. Pembiayaan pada segmen bisnis ini dipertahankan dan ditingkatkan karena masih memberikan kualitas pembiayaan yang baik. Pada 2016 pembiayaan dapat tumbuh sebesar Rp492,35 miliar atau 11,43%.

In the future, the Company stays consistent with the target market of micro, small, and medium enterprises (MSMe), because the Company already own the brand and obtain trust from the community in this segmentation. However, financing concentration on several business segment that are relatively good and stable such as education, health, trade, contractor and supplier. Financing in these business segment is maintained and improved because it still gives financing with good quality. In 2016, financing grew as much as Rp492.35 billion or 11.43%.

Sementara itu, pertumbuhan DPK, khususnya tabungan pada 2016 sebesar Rp115,57 miliar atau 19,36% sehingga masih mempunyai peluang yang cukup baik untuk dapat tumbuh pada 2017 yang berasal dari dana masyarakat, dana pemerintah BLU, dana haji, dll. Serta, kontribusi pendapatan fee based income pada 2016 terhadap Laba

Meanwhile, growth on third party funds, especially savings, on 2016 is as much as Rp115.57 billion or 19.36%, so that it still have a chance to grow well in 2017 from public funds, government funds public service agency, Hajj funds, etc. Also, contribution of fee based income in 2016 towards profit as much as Rp35.89 billion or 59.01%


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sebesar Rp35,89 miliar atau 59,01% diharapkan dapat ditingkatkan pada 2017, khususnya dari Kontra Bank Garansi, mengingat besarnya anggaran infrastruktur dalam Anggaran Pendapatan dan Belanja Negara (APBN) 2017.

is expected to be increased in 2017, especially from Contra Bank Guarantee, considering the amount of infrastructure budget in the state budget in 2017.

Aspek Pemasaran

Marketing Aspect

Perseroan terus melakukan pengembangan bisnis sepanjang 2016. Untuk mencapai pertumbuhan bisnis yang diinginkan, Perseroan menerapkan berbagai strategi pemasaran, di antaranya pengembangan produk, penempatan tenaga pemasaran di outlet Layanan Syariah Bank (LSB), ikut serta dalam kegiatan iB Vaganza dan kegiatan umum lainnya, serta pengembangan layanan perbankan melalui electronic banking (e-banking).

The Company keep conducting business expansion throughout 2016. To achieve desired business growth, the Company implemented various marketing strategies, among others are product development, placement of marketing personnel in Sharia Bank Services, participate in iB Vaganza activities and other general activities, as well as developing banking services through electronic banking (e-banking).

Pengembangan produk dan layanan yang dilakukan pada 2016, di antaranya Pelaksanaan Program Tabungan Berkah iB SiAga Berhadiah, pemberian initial deposit kepada Amal Usaha Muhammadiyah, dan pelaksanaan open table secara berkala. Sementara itu, untuk mendukung program pemasaran telah dilakukan beberapa hal, seperti media coverage atas kegiatan umum, pengadaan mobil kas di 4 (empat) kantor cabang, pemberian edukasi perbankan kepada masyarakat, dan pengembangan alat monitor aktivitas pemasaran.

Product and service development done in 2016, among others are Implementation of Savings Account with Berkah iB SiAga Prizes, giving initial deposit to Charitable Enterprises Muhammadiyah and performing open table periodically. Menwhile, several things have been done to support marketing program, such as media coverage on general activities, procurement of mobile cash car in 4 (four) branch offices, give banking education to the communities and developing monitoring device for marketing activities.

Strategi pada 2017 Perseroan telah menyiapkan beberapa strategi dalam menghadapi tantangan dan prospek bisnis, yakni: l Optimalisasi LSB UKM dan Mikro;

Strategy for 2017 The Company have prepared several strategies in facing challenges and business prospects, such as: l Optimization of the Micro, Small and Medium Enterprise Sharia Service Bank; l Adding the number of Sharia Bank Services outlets and placing marketing personnel (AO-RO); l Marketing radius ≤ 3 KM from Sharia Bank Services Outlet.

l Penambahan jumlah outlet LSB dan penempatan

tenaga marketing (AO-RO); l Radius pemasaran ≤ 3 KM dari outlet LSB.

Sedangkan untuk pemasaran, akan menerapkan strategi, sebagai berikut: Kepada Stakeholders Muhammadiyah

For Muhammadiyah Stakeholders

l Mapping AUM dan Anggota Muhammadiyah di

l Mapping of Charitable Enterprises Muhammadiyah

wilayah kerja; l Menghubungi database prospek; l Pemberian initial deposit;

and Muhammadiyah members in working areas; l Contact prospect database; l Give initial deposit;

Kepada Stakeholders PT. Bukopin, Tbk

For PT. Bukopin, Tbk Stakeholders

l Program SERBU (SErang kaRyawan BUkopin); l Pembiayaan kepada keluarga karyawan Perseroan;

l SERBU (SErang kaRyawan BUkopin) program; l Financing for family of Company's employees;

l Mapping Komunitas (bisnis, pasar, mall, pengajian, dll)

l Community mapping (business, market, mall, mass

di wilayah kerja; l Penerapan value chain; l Optimalisasi pelayanan pembayaran manfaat pensiunan sebagai kantor bayar;

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Meanwhile in marketing, the Company will implement several strategies, such as:


Quran reading, etc) at working areas; l Value chain implementation; l Optimizing services for pension benefit payment as

pay office;

l Optimalisasi kerjasama dengan mitra channelling

l Optimizing cooperation with channeling partner micro

retirement.

Mikro Pensiunan. Sementara itu, untuk pembiayaan, Perseroan menerapkan strategi dan kebijakan, sebagai berikut: l Fokus pembiayaan usaha kecil dan menengah (UKM). l Bisnis Area/Cabang fokus pada pembiayaan UKM

sesuai potensi bisnis wilayah masing-masing, dengan plafond s/d Rp20 miliar. l Fokus pada pembiayaan UKM di 5 segmen bisnis, diantaranya pendidikan, kesehatan, perdagangan, kontraktor, dan supplier. l Pembiayaan kepada Amal Usaha Muhammadiyah. l Memperluas point of sales melalui outlet LSB Bukopin. l Fokus pembiayaan nasabah dengan kriteria debitur

utama. l Top up dan menggali value chain dari nasabah-

nasabah existing. l Linkage program dengan pembiayaan Komersial dan

Mikro (one stop financing). l Pembiayaan kepada karyawan instansi (payroll). l Menjalankan program sales force dan monitoring

melalui e-SMS secara konsisten. l Pengembangan Bisnis Amal Usaha Muhammadiyah. l Pengembangan Fee Based Income melalui payment

point online bank (PPOB) dan BG/SP2D. l Peningkatan transaksi PPOB. l Menambah rekanan collecting agent (CA) dan

switching hulu di luar yang existing. l Kerjasama Kontra Bank Garansi & Surat Perintah

l l l l

l l l

Pencairan Dana (SP2D) dengan beberapa perusahaan penjamin. Pemasaran Bank Persepsi kepada nasabah. Kerjasama pemasaran Surat Kredit Berdokumen Dalam Negeri (SKBDN) dengan PT. Bank Bukopin, Tbk. Peningkatan transaksi e-banking (mobile dan sms banking) dengan program hadiah. Peningkatan kualitas bisnis proses dengan meningkatkan fungsi trade checking dan four eyes principles. Peningkatan kualitas adminitrasi, monitoring pembiayaan dan sistem pengelolaan risiko. Revitalisasi investigasi pembiayaan. Peningkatan penyehatan pembiayaan bermasalah di Cabang/Bisnis Area secara lebih terpadu dan komprehensif melalui kerjasama antar Divisi terkait.

l Fokus penyelesaian pembiayaan bermasalah melalui

Divisi RPP

Meanwhile, for financing, the Company implement strategies and policies, such as: l Focused on small and medium enterprises (SME) financing. l Area/Branch business focused on financing small and medium enterprises in accordance to each region’s business potential, with limit up to Rp20 billion. l Focused on small and medium enterprises financing in 5 business segment, which are education, health, trade, contractor and supplier. l Financing for Charitable Enterprises Muhammadiyah. l Expand point of sales through Bukopin Sharia Bank Services outlet. l Focused on financing for customers that have main debtor criteria. l Top up and dig up value chain from existing customers. l Program linkage with Commercial and Micro Financing (one stop financing). l Financing for agency employees (payroll). l Conduct sales force program and monitoring through e-SMS consistently. l Business developing of Charitable Enterprises Muhammadiyah. l Developing Fee Based Income through Payment Point Online Bank (PPOB) and Contra Bank Guarantee and Warrant Disbursement of Funds. l Increasing PPOB transactions l Add collecting agent (CA) upstream switching partners, apart from the existing ones. l Cooperate with several guarantee company for Contra Bank Guarantee and Warrant Disbursement of Funds. l Marketing Perception Bank to the customers. l Cooperate to market Letter of Credit with PT. Bank

Bukopin, Tbk. l Increasing e-banking transactions (mobile and sms

banking) with prizes program. l Increasing the quality of business process by

l l l

l

increasing the trade checking and four eyes principles function. Increasing the quality of administration, financing monitoring and risk management system. Revitalizing financing investigation. Increasing the recapitalization of non performing financing in Branch/Area Business in more integrated and comprehensive through cooperation between related divisions. Focus on settlement of financing problems through the Division of RPP


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l Pembuatan Early Warning System terkait dengan

l l l l

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kualitas pembiayaan sehingga dapat diantisipasi kondisinya. Kewajiban Cabang/Bisnis Area membuat action plan untuk penurunan NPF setiap bulan. Meningkatkan collection, WO, dan penjualan Agunan Yang Diambil Alih (AYDA). Mengembangkan IFRR sebagai alat analisa pembiayaan untuk menunjang akselerasi bisnis. Peningkatan kompetensi SDI.

l Creation of Early Warning System regarding the

quality of financing so that the condition can be anticipated. l Obligation of Branch/Area Business to make an action plan to lower Non Performing Financing every month. l Increase collection, WO, and sales of foreclosed assets. l Develop IFRR as a financing analysis tool to support

business acceleration. l Improve the competence of human resources.

Kebijakan Dividen

Dividend Policy

Dalam Anggaran Dasar Pasal 19 mengatur penggunaan laba bersih Perseroan ditentukan oleh Rapat Umum Pemegang Saham (RUPS) yang disesuaikan dengan Undang-Undang Nomor 40 tentang Perseroan Terbatas (UU PT) Pasal 70 dan Pasal 71, setelah dikurangi zakat dan pajak. Serta, Perseroan dapat membagikan dividen interim sebelum tahun buku berakhir sesuai dengan ketentuan Pasal 72 UU PT. Selanjutnya, menurut Pasal 72 UUPT, pembagian dividen interim dapat dilakukan apabila jumlah kekayaan bersih Perseroan tidak menjadi lebih kecil daripada jumlah modal ditempatkan dan disetor ditambah cadangan wajib.

In Charter Article 19 that consist regulation of the use on net profit will be determined by the General Meeting of Shareholders (AGM) which is adapted to Law No. 40 of the Limited Liability Company (Company Law) Article 70 and Article 71, after deduction of zakat and taxes. And also, the Company may distribute interim dividends before the end of fiscal year in accordance with the provisions of Article 72 of the Company Law. Furthermore, according to Article 72 of the Company Law, interim dividends may be made if the amount of net assets of the Company not be smaller than the number of issued and paid up capital plus the statutory reserves.

Sesuai Undang-Undang di atas, bahwa penyisihan cadangan wajib dilakukan bagi perseroan yang memiliki saldo laba positif dan dilakukan sampai cadangan mencapai paling sedikit 20% (dua puluh persen) dari modal yang ditempatkan dan disetor. Saldo laba positif adalah laba bersih perseroan dalam tahun buku berjalan yang telah menutup akumulasi kerugian perseroan dari tahun buku berikutnya.

In accordance to the Act above, that provision for reserves must be done for the company that has positive retained earnings and reserves made up to reach at least 20% (twenty percent) of the issued and paid-up asset. The balance of positive earnings is the company’s net profit in the current financial year that has covered the accumulated losses of the company’s next fiscal year.

Berdasarkan kebijakan dan aturan yang ada, maka pada 2016 Perseroan tidak membagi dividen kepada pemegang saham. Tidak adanya pembagian dividen telah dilakukan Perseroan dalam tiga tahun buku terakhir (2012, 2013, dan 2014). Dalam hal laba bersih perseroan dalam tahun buku berjalan belum seluruhnya menutup akumulasi kerugian perseroan dari tahun buku sebelumnya, dividen tidak dapat dibagikan oleh perseroan sesuai ketentuan undang-undang.

Based on existing policies and rules, in 2016 the Company did not declare dividends to shareholders. The absence of the Company’s dividend payment has been made in the last three financial years (2012, 2013, and 2014). In terms of the company’s net profit in the current financial year have not been entirely shut down the company’s accumulated losses of the previous fiscal year, the dividend shall be distributed by the company in accordance with the law.

Program Kepemilikan Saham Oleh Karyawan dan/atau Manajemen

Employee and/or management Ownership Program

Hingga 2016, Perseroan tidak melakukan initial public offering (IPO), sehingga tidak terdapat informasi mengenai program kepemilikan saham oleh karyawan dan/atau manajemen yang dilaksanakan perusahaan (ESOP/MSOP).

Until 2016, the Company not doing an initial public offering (IPO), so the information about stock ownership by employees and /OR management (ESOP / MSOP) conducted by the Company are not available.


Realisasi Penggunaan Dana Hasil Penawaran Umum

Realization of Fund Utilization of Public Offering Result

Perseroan tidak melakukan penawaran umum saham ke publik. Pada 2016, Perseroan melakukan penawaran saham untuk kalangan terbatas sebesar Rp100.000.000.000,- (seratus miliar rupiah), yang digunakan oleh Perseroan untuk mendukung rencana pengembangan usaha dan untuk membiayai kegiatan atau investasi yang tidak bertentangan dengan prinsipprinsip syariah.

The Company haven’t conducted initial public offering to the public. In 2016, the Company conducted share offering for limited audience as much as Rp100,000,000,000.(a hundred billion rupiah) which was utilized by the Company to support business development plan and to finance activities or investment that doesn’t contradict with the sharia principles.

Hasil keputusan dalam Persetujuan Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) pada tanggal 13 Desember 2016 menyetujui untuk mengeluarkan sejumlah 2.000.000.000 (dua miliar) saham seri C dari portepel Perseroan dengan nilai nominal masingmasing Rp50,- (lima puluh rupiah) dengan nilai nominal seluruhnya sebesar Rp100.000.000.000 (seratus miliar rupiah) yang diambil bagian oleh PT Bank Bukopin, Tbk. Sehingga, dengan diambil bagian saham seri C baru maka Modal ditempatkan dan disetor penuh ke dalam Perseroan adalah menjadi, sebagai berikut: l 8.137.000 (delapan juta seratus tiga puluh tujuh ribu) saham seri A dengan dengan nilai nominal seluruhnya sebesar Rp81.370.000.000 (delapan puluh satu miliar tiga ratus tujuh puluh juta rupiah). l 1.690.000.000 (satu miliar enam ratus sembilan puluh juta) saham seri B dengan nilai nominal seluruhnya sebesar Rp169.000.000.000 (seratus enam puluh Sembilan miliar rupiah). l 12.000.000.000 (dua belas miliar) saham seri C dengan nilai nominal seluruhnya sebesar Rp600.000.000.000 (enam ratus miliar rupiah).

The result of Extraordinary General Meeting of Shareholders Agreement on December 13, 2016 have approved to issue as much as 2,000,000,000 (two billions) of series C shares from the Company’s portfolio with a nominal value of each as Rp50.- (fifty rupiah) with a total nominal value of Rp100,000,000,000.- (a hundred billion rupiah) which will be partaken by PT Bank Bukopin, Tbk. Thus, with the taken of the new Series C shares, therefore the Capital is placed and fully deposited into the Company to be as follows:

Informasi Transaksi Yang Mengandung Benturan Kepentingan

Information of conflict of interest Transaction

Sepanjang tahun 2016, Perseroan melakukan transaksi dengan pihak-pihak berelasi sebagaimana yang didefinisikan dalam PSAK No. 7 (penyesuaian 2015) tentang Pengungkapan pihak-pihak berelasi. Jenis transaksi dan saldo dengan pihak-pihak berelasi diungkapkan dalam catatan atas laporan keuangan.

Throughout 2016, the Company engaged in transactions with related parties as defined in PSAK No. 7 (Improvement 2015) regarding the disclosure of related party. Types of transactions and balances with related parties are disclosed in the notes to the financial statements

Perubahan Peraturan PerundangUndangan Yang Berpengaruh Pada Perusahaan

Changes to regulations which impact to the company

Pada 2016, tidak terdapat peraturan dan perundangundangan yang berpengaruh signifikan pada Perseroan.

In 2016 there are no amendment or regulation which have significant impact on the Company.

l 8,137,000 (eight million one hundred and thirty seven

thousand) of series A shares with the total nominal value of Rp81,370,000,000 (eighty one billion three hundred and seventy million rupiah. l 1,690,000,000 (one million six hundred and ninety million) of series B shares with the total nominal value of Rp169,000,000,000 (one hundred and sixty nine billion rupiah). l 12,000,000,000 (twelve billion) of series C shares with the total nominal value of Rp600,000,000,000 (six hundred billion rupiah).


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Uraian Mengenai Perubahan Kebijakan Akuntansi Yang Diterapkan Perusahaan Pada Tahun Buku Terakhir

Description Regarding the Change in Accounting Policy Applied by The Company in Last Fiscal Year

Perubahan atas kebijakan akutansi dan pengungkapan Sejak tanggal 1 Januari 2016, Perseroan telah menerapkan beberapa standar dan interpretasi baru atau revisi yang relevan dengan operasional bank yang berlaku efektif sejak tanggal tersebut, yaitu sebagai berikut:

Changes in accounting policy and disclosures Since January 1, 2016 the Company has adopted several new standard and interpretation or revision which relevant with the bank operation, which effective since that date as follows:

l Amandemen PSAK No. 16 “Aset Tetap, terkait

l Amendment SFAS No. 16 ”Fixed Assets, Related to

l

l l l l l

l l

Klarifikasi Metode yang Diterima untuk Penyusutan dan Amortisasi“. Amandemen PSAK No. 19 “Aset Tak berwujud, Terkait Klarifikasi Metode yang Diterima untuk Penyusutan dan Amortisasi“. Amandemen PSAK No. 24 “Imbalan Kerja tentang Program Imbalan Pasti: Iuran Pekerja“. PSAK No. 7 (Penyesuaian 2015) “Pengungkapan Pihak-pihak Berelasi”. PSAK No. 16 (Penyesuaian 2015) “Aset Tetap”. PSAK No. 19 (Penyesuaian 2015) “Aset Tak berwujud”. PSAK No. 25 (Penyesuaian 2015) “Kebijakan Akuntansi, Perubahan Estimasi Akuntansi dan Kesalahan”. PSAK No. 68 (Penyesuaian 2015) “Pengukuran Nilai Wajar”. PSAK No. 110 (Revisi 2015) “Akuntansi Sukuk”

l l l l l

l SFAS No. 68 (Improvement 2015) “Fair Value

Measurement”. l SFAS No. 110 (Revised 2015) “Accounting For Sukuk”

Tidak terdapat dampak yang material dari standard dan interpretasi yang berlaku efektif pada 1 Januari 2016 terhadap laporan keuangan Perseroan.

There is no material impact on the Company financial statement from standards and interpretations which effective since January 1, 2016.

Informasi Kelangsungan Usaha

Information on Business Continuity

Hingga akhir 2016, tidak ada hal-hal yang berpengaruh siginifikan terhadap kelangsungan usaha dan bisnis Perseroan. Adapun informasi ataupun asumsi yang mendasari hal tersebut di antaranya, sebagai berikut:

Towards the end of 2016, there are no issue that significantly affected the continuity of the Company’s venture and business. Information or assumptions that underlie this are as follows:

l Berdasarkan perhitungan manajemen pada tanggal

l Based on management calculation in December 31

31 Desember 2016 dan 2015, Perseroan memiliki rasio kecukupan penyediaan modal minimum (KPMM) masing-masing sebesar 17,09% dan 16,31%. l Pada tanggal 31 Desember 2016 dan 2015, rasio

piutang, pinjaman Qardh dan pembiayaan yang non-performing (gross) terhadap jumlah piutang, pinjaman Qardh, dan pembiayaan adalah masingmasing sebesar 3,17% dan 2,99%. Sedangkan rasio piutang, pinjaman Qardh, dan pembiayaan yang nonperforming (net) terhadap jumlah piutang, pinjaman Qardh dan pembiayaan adalah masing-masing sebesar 2,81% dan 2,74%.

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l

Clarification of Acceptable Method for Depreciation and Amortization”. Amendment SFAS No. 19 “Intangible Assets, related to clarification of acceptable method for depreciation and amortization”. Amendment SFAS 24 “Employee Benefit: Defined Contribution Plans ”. SFAS No. 7 (Improvement 2015) “Related Party Disclosure”. SFAS No. 16 (Improvement 2015) “Fixed Assets”. SFAS No. 19 (Improvement 2015) “Intangible Assets”. SFAS No. 25 (Improvement 2015) “Accounting Policy, Change in Accounting Estimate and Error”.


2016 and 2015, the Company has minimum capital adequacy ratio of 17.09% and 16.31%.

l On December 31, 2016 and 2015, ratio of credit, Qardh

loan and non performing financing (gross) towards the amount of credit, Qardh loan, and financing are 3.17% and 2.99%. While the ratio of credit, qardh loan, and non performing financing (net) towards the amount of credit, Qardh loan, and financing are 2.81% and 2.74%.

l Dalam laporan Batas Maksimum Pemberian Kredit

(BPMK) yang disampaikan Perseroan kepada regulator pada tanggal 31 Desember 2016 tidak terdapat piutang dan pembiayaan yang melampaui atau melanggar ketentuan BMPK.

l In the Maximum Lending Limit report that was

delivered by the Company to the regulator on December 31 2016, there wasn’t any credit and financing that exceed or violate the Legal Lending Limit regulations.


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TATA KELOLA PERUSAHAAN

GOOD CORPORATE GOVERNANCE

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Sesuai dengan Ketentuan According to The Rule Sepanjang 2016, pelaksanaan GCG pada Perseroan tidak terdapat kendala, karena telah sejalan dengan ketentuan dan prinsip-prinsip GCG. Throughout 2016, the implementation of GCG in the Company there are no obstacles, because it has been in line with the rule and principles of GCG.

Hasil Self Assessment GCG

GCG Self Assessment Result

Pemenuhan dan penerapan prinsip-prinsip GCG pada Perseroan mengacu pada Pedoman Pelaksanaan Good Corporate Governance (GCG) yang berlaku dan ditentukan sesuai peraturan yang ada. Untuk pelaksanaannya telah diatur dalam Surat Keputusan Direksi Nomor 043/SKEPDIR/BSB-JKT/IV/2012, di mana dalam pedoman tersebut mengatur mengenai tata cara pelaksanaan GCG. Dengan demikian, untuk hal pemenuhan pelaksanaan GCG sepanjang 2016 tidak terdapat kendala, karena telah sejalan dengan ketentuan yang berlaku.

The fulfillment and implementation of GCG principles in the Company refer to Good Corporate Governance (GCG) Implementation Guidelines that is applicable and determined in accordance to existing regulations. The implementation have been regulated in the Decree of The Board of Directors Number 043/SKEP-DIR/BSB-JKT/IV/2012, where the guidelines regulated about the procedures of GCG implementation. Therefore, in the fulfillment of GCG implementation throughout 2016, there weren’t any obstacles, because it is in accordance with existing regulations.

Berdasarkan hasil self assessment terhadap Governance Structure, Governance Process, dan Governance Outcome, penerapan GCG semester I dan II pada Perseroan berada pada peringkat 2 (dua), atau baik, sebagaimana tercermin dalam pemenuhan yang memadai atas prinsip-prinsip GCG.

Based on the self assessment result towards the Governance Structure, Governance Process and Governance Outcome, GCG implementation for the First and the Second semester in the Company is in the 2nd (second) rate, or good, as reflected in the appropriate fulfillment of GCG principles.

Hasil Pelaksanaan GCG Semester I dan II 2016

Results of GCG Implementation in the First and Second Semester of 2016 The result of GCG implementation in the Company in the first and second semester of 2016 is reflected in 11 (eleven) aspects, as follows: 1. Implementation of the duties and responsibilities of the Board of Commissioners. 2. Implementation of the duties and responsibilities of the Board of Directors.

Hasil pelaksanaan GCG pada Perseroan pada semester I dan II 2016 tercermin dari 11 (sebelas) aspek, yakni: 1. Pelaksanaan tugas dan tanggung jawab Dewan Komisaris. 2. Pelaksanaan tugas dan tanggung jawab Direksi.


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Tata Kelola Perusahaan Good Corporate Governance

3. Pelaksanaan tugas dan tanggung jawab Dewan Pengawas Syariah (DPS). 4. Pelaksanaan prinsip syariah dalam kegiatan penghimpunan dana dan penyaluran dana serta pelayanan jasa. 5. Penanganan benturan kepentingan. 6. Penerapan fungsi kepatuhan. 7. Penerapan fungsi audit intern. 8. Penerapan fungsi audit ekstern. 9. Batas maksimum penyaluran dana. 10. Transparansi kondisi keuangan dan non keuangan BUS. 11. Laporan pelaksanaan GCG serta pelaporan internal.

3.

Berdasarkan hasil self assessment terhadap 11 (sebelas) aspek di atas, penerapan GCG pada Perseroan berada pada peringkat 2 (baik), sebagaimana tercermin dalam pemenuhan yang memadai atas prinsip-prinsip GCG.

Based on the self assessment result on the 11 (eleven) aspects mentioned above, GCG implementation of the Company is in the 2nd (second) rate (good), as reflected in the appropriate fulfillment of GCG principles.

STRUKTUR GCG

GCG STRUCTURE

ORGAN UTAMA

Implementation of the duties and responsibilities of the Sharia Supervisory Board. 4. Implementation of sharia principles in the fund collecting and distribution activities as well as in the services. 5. Handling conflict of interest. 6. Implementation of compliance function. 7. Implementation of internal audit function. 8. Implementation of external audit function. 9. Maximum limit of fund distribution. 10. Transparency of financial and non financial condition of the Sharia Business Unit. 11. GCG implementation report and internal report.

RUPS GMS*

DIREKTUR UTAMA PRESIDENT DIRECTOR

DEWAN PENGAWAS SYARIAH SHARIA SUPERVISORY BOARD

DEWAN KOMISARIS BOARD OF COMMISSIONERS

*General Meeting of Shareholders

KOMITE REMUNERASI & NOMINASI REMUNERATION & NOMINATION COMMITTEE

KOMITE AUDIT AUDIT COMMITTEE

KOMITE PEMANTAU RISIKO RISK MONITORING COMMITTEE

ORGAN PENDUKUNG

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Uraian Dewan Komisaris

Board of Commissioners Review

Sesuai dengan Anggaran Dasar Perseroan, Dewan Komisaris merupakan organ perusahaan yang bertugas melakukan pengawasan terhadap pengelolaan bank, memberikan nasihat kepada Direksi, serta memastikan bahwa Perseroan telah melaksanakan tata kelola yang baik pada seluruh tingkatan atau jenjang organisasi. Dalam rangka membantu tugas pengawasan terhadap jalannya Perseroan, Dewan Komisaris telah membentuk Komite Audit, Komite Remunerasi dan Nominasi, serta Komite Pemantau Risiko.

In accordance with the Company’s Article of Associations, the Board of Commissioners is a part of the Company that is in charge of monitoring the bank’s management, giving advise to the Board of Directors, and making sure that the Company has performed good corporate governance in every level of organization. In order to help the task of supervising the Company’s business, the Board of Commissioners formed an Audit Committee, Remuneration and Nomination Committee, and Risk Monitoring Committee.

Susunan Dewan Komisaris Dewan Komisaris Perseroan terdiri dari 4 (empat) orang, yakni terdiri dari 1 (satu) Komisaris Utama, 1 (satu) Komisaris, dan 2 (dua) Komisaris Independen. Adapun susunan Dewan Komisaris per 31 Desember 2016, adalah:

Composition of Board of Commissioners The Company’s Board of Commissioners consists of 4 (four) people, which are 1 (one) President Commissioner, 1 (one) Commissioner, and 2 (two) Independent Commissioners. The composition of the Board of Commissioners as of December 31 2016 is as follows:


SUSUNAN DEWAN KOMISARIS CoMPOSITION OF BOARD OF COMMISSIONERS Nama/Name Jabatan/Position Tri Joko Prihanto Eddy Cahyono Hajriyanto Y.Thohari Bambang Setiaji

Tanggal Persetujuan/ Approval Date Rapat Umum Pemegang Saham General Meeting of Shareholders

Komisaris Utama President Commissioner Komisaris Commissioner Komisaris Independen Independent Commissioner Komisaris Independen Independent Commissioner

Tanggal Efektif/ Effective Date

Surat Bank Indonesia/OJK Decree of Bank Indonesia/OJK

26 Agustus 2015 8 Desember 2015 14 Desember 2015 August 26, 2015 December 8, 2015 December 14, 2015 26 Agustus 2015 25 September 2015 5 Oktober 2015 August 26, 2015 September 25, 2015 October 5, 2015 23 September 2008 27 Oktober 2008 27 Oktober 2008 September 23, 2008 October 27, 2008 October 27, 2008 6 Maret 2008 27 Oktober 2008 27 Oktober 2008 March 6, 2008 October 27, 2008 October 27, 2008

c. Mengawasi pelaksanaan rencana kerja dan anggaran Perseroan. d. Memberi saran mengenai langkah yang harus ditempuh. e. Memberi persetujuan atas laporan tahunan yang disusun oleh Direksi sesuai dengan ketentuan perundangan yang berlaku untuk diajukan dalam RUPS Tahunan.

Implementation of Duties and Responsibilities of the Board of Commissioners The duties and responsibilities of the Board of Commissioners are to ensure the implementation of good corporate governance, such as: a. Conduct supervision towards the policy of the Company’s management that is implemented by the Board of Directors. b. Give advice to the Board of Directors regarding development plan of the Company, the implementation of the provisions of the Articles of Association and General Meeting of Shareholders, and existing law and regulation. c. Monitor the implementation of the Company’s workplans and budgets. d. Give advice regarding improvement steps that needs to be taken. e. Give approval on annual report composed by the Board of Directors in accordance with the existing regulation to be delivered in the Annual General Meeting of Shareholders.

Dalam melaksanakan tugas dan tanggung jawab Dewan Komisaris dibentuk komite-komite, di antaranya Komite Audit, Komite Remunerasi dan Nominasi, serta Komite Pemantau Risiko, yang dibentuk sesuai dengan kebutuhan Perseroan dan mengacu pada aturan yang berlaku.

In performing the duties and responsibilities of the Board of Commissioners, committees are established, such as the Audit Committee, the Remuneration and Nomination Committee, and the Risk Monitoring Committee which were established in accordance with the needs of the Company and refers to existing regulation.

Laporan Tugas Pengawasan Dewan Komisaris Dalam menjalankan tugas pengawasan terhadap jalannya Perseroan, sepanjang 2016 Dewan Komisaris telah melaksanakan Laporan Pengawasan Rencana Bisnis Bank semester I dan II 2016, serta Laporan Pokok-Pokok Hasil Pemeriksaan Audit Internal ke Otoritas Jasa Keuangan (OJK). Dewan Komisaris telah menjalankan fungsi pengawasan dan pemberian nasihat, dengan memberikan masukan serta rekomendasi mengenai kinerja keuangan dan pencapaian target Perseroan. Selain itu, pengawasan

Board of Commissioners Supervisory Report In performing its supervision duties towards the Company’s business, throughout 2016 the Board of Commissioners have delivered the Bank Business Plan Supervisory Report semester I and II 2016 and Main Result of Internal Audit Examination Report to the Financial Services Authority. The Board of Commissioners has performed its monitoring and giving advices by giving suggestion and recommendation regarding the Company’s financial performance and target

Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris Tugas dan tanggung jawab Dewan Komisaris adalah untuk memastikan terselenggaranya pelaksanaan prinsip GCG, di antaranya: a. Melakukan pengawasan terhadap kebijakan pengurusan Perseroan yang dilakukan Direksi. b. Memberi nasihat kepada Direksi mengenai rencana pengembangan Perseroan, pelaksanaan ketentuanketentuan Anggaran Dasar dan keputusan RUPS serta peraturan perundang-undangan yang berlaku.


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aktif Dewan Komisaris terlihat dalam pelaksanaan rapat koordinasi bersama Direksi, maupun komite-komite.

achievement. Furthermore, the active monitoring of the Board of Commissioners is apparent through the implementation of coordination meeting with the Board of Directors or Committees.

Komite di Bawah Dewan Komisaris Untuk membantu tugas dalam rangka pengawasan terhadap jalannya Perseroan, Dewan Komisaris telah membentuk Komite Audit, Komite Remunerasi dan Nominasi, dan Komite Pemantau Risiko.

Committees Under the Board of Commissioners To help its duties in order to monitor the Company’s business, the Board of Commissioners established Audit Committee, Remuneration and Nomination Committee, and Risk Monitoring Committee.

SUSUNAN ANGGOTA KOMITE Membership Composition of The Committee KOMITE AUDIT/AUDIT COMMITTEE 1. Bambang Setiaji, Ketua* 2. Syofiadi, Anggota 3. Dadang Edi Djumana, Anggota

SKEP Nomor : -254/SKEP-DIR/BSB-JKT/XII/2015 Tgl. 10 Desember 2015 Decree Number : -254/SKEP-DIR/BSB-JKT/XII/2015 Dated December 10, 2015

KOMITE PEMANTAU RISIKO/RISK MONITORING COMMITTEE SKEP Nomor : 1. Hajriyanto Y.Thohari, Ketua* -253/SKEP-DIR/BSB-JKT/XII/2015 Tgl. 10 Desember 2015 2. Eddy Cahyono, Anggota Decree Number : 3. Furkon Firdaus, Anggota -253/SKEP-DIR/BSB-JKT/XII/2015 Dated December 10, 2015 KOMITE REMUNERASI DAN NOMINASI/REMUNERATION AND NOMINATION COMMITTEE SKEP Nomor : 1. Hajriyanto Y.Thohari, Ketua* -178/SKEP-DIR/BSB-JKT/XI/2012 Tgl.23 November 2012 2. Bambang Setiaji, Anggota* Decree Number : 3. Rismarini, Anggota -178/SKEP-DIR/BSB-JKT/XI/2012 Dated November 23, 2012 *) Komisaris Independen PT Bank Syariah Bukopin/Independent Commissioner PT Bank Syariah Bukopin

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Independensi Dewan Komisaris Pelaksanaan tugas dan tanggung jawab Dewan Komisaris berpedoman pada prinsip-prinsip GCG. Untuk menjaga independensi, sesuai dengan PBI Nomor 11/33/ PBI/2009 tentang Pelaksanaan GCG bagi BUS dan UUS, pengangkatan dan/atau penggantian seluruh anggota Dewan Komisaris melalui mekanisme RUPS.

Independency of The Board of Commissioners The implementation of the Board of Commissioners’ duties and responsibilities refer to good corporate governance (GCG) principles. To maintain its independence, in accordance with Regulation of Bank Indonesia Number 11/33/PBI/2009 regarding the implementation of GCG for Sharia Commercial Banks and Sharia Business Unit, assignment and/or replacement of all members of the Board of Commissioners through GMS mechanism.

Pengangkatan dan/atau penggantian Dewan Komisaris Perseroan ditetapkan berdasarkan pertimbangan integritas, kompetensi, profesionalisme, dan reputasi. Setiap anggota Dewan Komisaris membuat dan menandatangani surat pernyataan bahwa masing-masing tidak boleh memiliki saham mencapai 5% atau lebih pada Perseroan ataupun pada bank dan perusahaan lain, baik di dalam maupun luar negeri.

The assignment and/or replacement of the Company’s Board of Commissioners is determined based on integrity, competence, professionalism, and reputation consideration. Every member of the Board of Commissioners make and sign a statement letter which stated that each member must not own a share more than 5% in the Company or in other bank and company, both domestic and overseas.

Independensi Dewan Komisaris yang telah dilaksanakan meliputi hal-hal berikut: a. Jumlah anggota Dewan Komisaris Perseroan sebanyak 4 (empat) orang dan tak melampaui jumlah Direksi yang sebanyak 4 (empat) orang.

Implemented independence of the Board of Commissioners includes as follows: a. The total number of the Company’s Board of Commissioners is 4 (four) people and doesn’t exceed the number of the Board of Directors which is 4 (four) people.


b. Seluruh anggota Dewan Komisaris memiliki integritas, kompetensi, dan reputasi yang memadai. c. 1/2 (setengah) Dewan Komisaris Perseroan merupakan Komisaris Independen. Hal ini menjamin independennya Dewan Komisaris, karena lebih dari 50% jumlah anggotanya adalah Komisaris Independen. d. Seluruh Komisaris Independen tidak ada yang memili ki hubungan keuangan, kepengurusan, kepemilikan saham, dan/atau hubungan keluarga dengan pemegang saham pengendali, serta anggota Dewan Komisaris dan/atau Direksi atau hubungan keuangan dan/atau hubungan kepemilikan saham dengan BUS. e. Seluruh anggota Dewan Komisaris Independen yang berasal dari mantan anggota Direksi BUS yang tidak melakukan fungsi pengawasan telah menjalani masa tunggu (cooling off), yakni paling kurang selama 6 (enam) bulan. f. Komisaris Independen yang merangkap jabatan sebagai ketua komite paling banyak 2 (dua) ketua komite pada BUS yang sama. g. Pengangkatan dan/atau penggantian komisaris memerhatikan rekomendasi Komite Remunerasi dan Nominasi, serta telah memperoleh persetujuan dari RUPS. h. Anggota Dewan Komisaris tidak ada yang melanggar ketentuan rangkap jabatan. i. Dewan Komisaris tidak memiliki hubungan keluarga hingga derajat ke-2 (kedua) dengan sesama anggota Dewan Komisaris dan/atau Direksi.

b. The entire member of the Board of Commissioners have adequate integrity, competence, and reputation. c. 1/2 (a half) of the Company’s Board of Commissioners are Independent Commissioners. This is done to guarantee the Board of Commissioners’ independence, because more than 50% of its members are Independent Commissioner. d. All Independent Commissioner doesn’t have any financial, management, share ownership and/or family relation with controlling shareholders, member of the Board of Commissioners and/or Board of Directors, or financial relation and/or share ownership relation with Sharia Commercial Banks. e. The entire member of Independent Board of Commissioners who were used to be a member of Sharia Commercial Banks Board of Directors who are not entitled to perform supervision function have went through a cooling off period for at least 6 (six) months. f. Independent Commissioner who has double position as a committee chairman is at most 2 (two) committee chairman in the same Sharia Commercial Bank. g. The assignment and/or replacement of commissioners consider the recommendations of Remuneration and Nomination Committee, and obtain approval from GMS. h. None of the members of the Board of Commissioners violate the regulations regarding the concurrent position policy. i. The Board of Commissioners doesn’t have any family relation until the second degree with other members of the Board of Commissioners and/or Board of Directors.

RANGKAP JABATAN PADA PERUSAHAAN ATAU LEMBAGA LAIN CONCURRENT POSITION IN OTHER COMPANIES OR INSTITUTION Nama/Name Jabatan/Position Tri Joko Prihanto Eddy Cahyono Hajriyanto Y.Thohari Bambang Setiaji

Rangkap Jabatan/Concurrent Position

Komisaris Utama/ - President Commissioner Komisaris/Commissioner - Komisaris Independen/ - Independent Commissioner Komisaris Independen/ Rektor Universitas Muhammadiyah Surakarta Independent Commissioner Rector of Muhammadiyah University of Surakarta

Peningkatan Kompetensi Dewan Komisaris Untuk meningkatkan dan mengembangkan kompetensi Dewan Komisaris dalam menjalankan tugasnya dalam rangka pengawasan perseroan, pada tahun 2016 Dewan Komisaris telah mengikuti berbagai program pelatihan dan pengembangan yang meliputi seminar, workshop, conference, dan talkshow. Adapun program peningkatan kompetensi yang diikuti oleh Dewan Komisaris sepanjang 2016, antara lain:

Competency Improvement of the Board of Commissioners To improve and develop the competency of the Board of Commissioners in conducting their duties in monitoring the Company, in 2016 the Board of Commissioners have participated in various training and development programs, including seminar, workshop, conference, and talk show. The competency improvement programs that the Board of Commissioners participated in throughout 2016 are:


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Peningkatan Kompetensi Dewan Komisaris Competency Improvement of the Board of Commissioners Nama/Name Jabatan/Position Seminar/ Seminar Tri Joko Prihanto Komisaris Utama/ SEMINAR BARA President Commissioner RISK MANAGEMENT Eddy Cahyono Komisaris/ Commissioner Hajriyanto Y.Thohari Komisaris Independen/ Independent Commissioner Bambang Setiaji Komisaris Independen/ Independent Commissioner

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Tanggal/ Penyelenggara/ Date Organizer

19-21 September 2016

BARA FORUM

Pedoman Tata Tertib Kerja Dewan Komisaris Pedoman Tata Tertib Kerja Dewan Komisaris Perseroan merupakan bagian yang tidak terpisahkan dari Pedoman GCG Perseroan yang melaksanakan kegiatan usaha secara syariah, dan untuk memastikan terciptanya tata kelola perusahaan yang sehat sesuai dengan prinsip kehatihatian. Pedoman dan Tata Tertib Kerja Dewan Komisaris mengatur susunan Dewan Komisaris, etika kerja, waktu kerja, dan rapat. Pedoman dan Tata Kerja tersebut telah disahkan melalui Surat Keputusan No. 005/SKEP-KOM/ KP-JKT/X/2014 Tentang Pedoman dan Tata Tertib Kerja Dewan Komisaris.

Working Guidelines of the Board of Commissioners The Work Guidelines of the Company’s Board of Commissioners is an inseparable part of the Company’s good corporate governance guidelines in order to conduct business in sharia principle and to make sure that a healthy good corporate governance is achieved in accordance with prudential principle. The Guidelines and Work Procedures of the Board of Commissioners regulates the composition of the Board of Commissioners, work ethic, working hour and meeting. This Guidelines and Work Procedures was ratified by Decree No. 005/SKEP-KOM/KPJKT/X/2014 regarding Guidelines and Work Procedures of the Board of Commissioners.

Informasi Mengenai Komisaris Independen

Information Regarding Independent Commissioners

Pada 2016, Perseroan memiliki memiliki 2 (dua) Komisaris Independen. Pemilihan dan penetapan, serta kriteria komisaris independen yang ada mengikuti aturan yang ada, yakni Peraturan Bank Indonesia (PBI) No. 15/13/ PBI/2013 tentang Perubahan atas PBI No.11/3/PBI/2009 tentang Bank Umum Syariah, Komisaris Independen adalah anggota Dewan Komisaris yang tidak memiliki hubungan keuangan, kepengurusan, kepemilikan saham, dan/atau hubungan keluarga dengan anggota Dewan Komisaris lainnya, Direksi, dan/atau Pemegang Saham Pengendali (PSP) atau hubungan dengan Bank, yang dapat memengaruhi kemampuannya untuk bertindak independen. Serta, sesuai dengan ketentuan yang tercantum dalam PBI No.11/3/PBI/2009 tentang Bank Umum Syariah Pasal 25, yakni paling kurang 50% (lima puluh persen) dari jumlah anggota Dewan Komisaris adalah Komisaris Independen.

In 2016, the Company had 2 (two) Independent Commissioner. Selection and determination, as well as the criteria for independent directors has follow the rules, namely Bank Indonesia Regulation (PBI) No. 15/13/ PBI/2013 on the Amendment of PBI No.11/3/PBI/2009 on Sharia Banks, Independent Commissioner is a member of the Board of Commissioners who do not have the financial, management, ownership, and/or related to members of the Board Commissioners, the Board of Directors, and/or Controlling Shareholders or relationship with the Bank, which could affect its ability to act independently. And also, in accordance with the provisions contained in the PBI 11/3/PBI/2009 on Islamic Banks Article 25, which is at least 50% (fifty percent) of the total number of Board of Commissioners are Independent Commissioners.

Uraian Direksi

Board of Directors Review

Sesuai dengan substansi Undang-Undang Nomor 40 Tahun 2007 tentang Perseroan Terbatas (PT), Direksi merupakan organ Perseroan yang memiliki kewenangan

In accordance with the substance of the Act Number 40 of 2007 regarding the Limited Liability Company (PT), the Board of Directors is the Company’s organ that has the


Berdasarkan hasil self assessment terhadap 11 (sebelas) aspek di atas, penerapan GCG pada Perseroan berada pada peringkat 2 (baik), sebagaimana tercermin dalam pemenuhan yang memadai atas prinsip-prinsip GCG. Based on the self assessment result on the 11 (eleven)aspects mentioned above, GCG implementation of the Company is in the second rate (good), as reflected in the appropriate fulfillment of GCG principles.

dan bertanggung jawab penuh terhadap perjalanan bisnis Perseroan. Direksi mewakili Perseroan, baik di dalam maupun di luar pengadilan. Sedangkan, dalam konteks GCG, Direksi merupakan salah satu organ utama Perseroan.

authority and full responsibility towards the Company’s business course. The Board of Directors represents the Company, both inside and outside the court. While, in the context of GCG, the Board of Directors is one of the Company’s main organ.

Sementara itu, untuk pengangkatan dan/atau penggantian seluruh anggota Direksi disetujui melalui forum RUPS. Kualifikasi pengangkatan Direksi haruslah mempertimbangkan seluruh aspek yang sejalan dengan prinsip-prinsip GCG. Faktor integritas, kompetensi, dan reputasi merupakan bagian yang inheren dalam kualifikasi tersebut.

Meanwhile, the appointment and/or replacement of the entire member of the Board of Directors is approved by the GMS. Appointment qualification of the Board of Directors must consider the entire aspect that are in line with GCG principles. Factors of integrity, competency, and reputation is an inherent part in the qualification.

Terkait dengan prinsip akuntabilitas dan tanggung jawab, Direksi menyampaikan laporan kinerja kepada para pemegang saham dalam RUPS. Sedangkan, penilaian kinerja Direksi disampaikan oleh Dewan Komisaris. Selain dengan Dewan Komisaris, Direksi juga perlu memperhatikan saran dan pertimbangan dari DPS. Sehingga operasional Perseroan tetap berada dalam koridor regulasi.

Related to the principles of accountability and responsibility, the Board of Directors delivers performance reports to the shareholders at the GMS. While the assessment of the Board of Directors’ performance will be delivered by the Board of Commissioners. Other than the Board of Commissioners, the Board of Directors also needs to consider the advice and judgment of the Sharia Supervisory Board, so that the Company’s operations will stay in the corridor of regulation.

Susunan Direksi Anggota Direksi pada Perseroan terdiri dari 4 (empat) orang yang terdiri dari 1 (satu) Direktur Utama dan 3 (tiga) Direktur, yakni Direktur Bisnis, Direktur Operasi dan Pelayanan serta Direktur Kepatuhan dan Manajemen Risiko. Penunjukkan dan pengangkatan Direksi telah sesuai dengan anggaran dasar Perseroan serta sesuai dengan peraturan perundang-undangan yang berlaku. Masing-masing Direksi tersebut telah melalui mekanisme uji kemampuan dan kepatutan (fit and proper test) yang diselenggarakan oleh Otoritas Jasa Keuangan (OJK). Sejauh ini, Direksi pada Perseroan merupakan orangorang profesional yang memiliki kompetensi yang memadai sehingga mampu melaksanakan tugas dan tanggung jawab yang diamanahkan kepadanya.

Composition of the Board of Directors Members of the Company’s Board of Directors consists of 4 (four) persons, which are 1 (one) President Director and 3 (three) Directors, namely Business Director, Operation and Services Director, and Compliance and Risk Management Director. The appointment and assignment of Directors are in accordance with the Company’s articles of association and in accordance with existing legislation. Each of the Directors have went through fit and proper test that was held by the Financial Service Authority. So far, the Company’s Board of Directors are professional people who have sufficient competency to be able to carry out the duties and responsibilities that are entrusted to them.


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Composition of the structure of the Company’s Board of Directors by December 31, 2016, is as follows:

Komposisi susunan Direksi pada Perseroan per 31 Desember 2016, sebagai berikut :

SUSUNAN DIREKSI CoMPOSITION OF BOARD OF DIRECTORS Nama/Name Jabatan/Position Riyanto Ruddy Susatyo Adil Syahputra Aris Wahyudi

Tanggal Persetujuan/ Approval Date Rapat Umum Pemegang Saham General Meeting of Shareholders

Direktur Utama President Director Direktur Director Direktur Director Direktur Director

Surat Bank Indonesia/OJK Decree of Bank Indonesia/OJK

23 September 2008 27 Oktober 2008 27 Oktober 2008 September 23, 2008 October 27, 2008 October 27, 2008 12 Maret 2010 7 Juni 2010 7 Juni 2010 March 12, 2010 June 7, 2010 June 7, 2010 26 Maret 2014 25 September 2014 1 Oktober 2014 March 26, 2014 September 25,2014 October 1, 2014 26 Maret 2015 22 Juli 2015 27 Juli 2015 March 26, 2015 July 22, 2015 July 27, 2015

Tugas dan Tanggung Jawab Direksi Berdasarkan Anggaran Dasar Perseroan yang merujuk pada peraturan perundangan-undangan hukum yang berlaku, tugas dan tanggung jawab Direksi, sebagai berikut: l Direksi berhak mewakili Perseroan, baik di dalam dan di luar pengadilan tentang segala hal dan dalam segala kejadian; l Mengikat Perseroan dengan pihak lain dan pihak lain dengan Perseroan; l Menjalankan segala tindakan baik mengenai kepengurusan maupun kepemilikan dengan pembatasan yang diatur dalam anggaran dasar Perseroan dan peraturan perundang-undangan yang berlaku; l Mengimplementasikan GCG pada setiap kegiatan usaha Perseroan di seluruh tingkatan atau jenjang organisasi; l Menindaklanjuti temuan audit dan/atau rekomendasi dari hasil pengawasan OJK, auditor intern, DPS, dan/ atau auditor ekstern pada Perseroan;

Duties and Responsibilities of the Board of Directors Based on the Company’s Articles of Association which refers to the existing rules and regulation, the duties and responsibilities of the Board of Directors are as follows:

l Dalam upaya melaksanakan GCG, Direksi telah

l

memiliki fungsi audit intern, manajemen risiko dan komite manajemen risiko, serta kepatuhan; l Direksi menyediakan data dan informasi yang akurat, relevan, dan tepat waktu kepada Dewan Komisaris dan DPS; l Semua anggota Direksi memiliki kejelasan tugas dan tanggung jawab sesuai dengan bidang tugasnya; l Direksi memiliki pedoman dan tata tertib kerja yang bersifat mengikat bagi setiap anggota Direksi yang mencantumkan waktu kerja dan pengaturan rapat.

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Tanggal Efektif/ Effective Date


l Board of Directors has the right to represent the

Company, both inside and outside the court about all things and in all events; l Binds the Company with other party and other party with the Company; l Perform any kind of action regarding the management and ownership with restrictions that are set forth in the Company's articles of association and existing rules and regulations; l Implement GCG in every business activities of the

Company in every level or stage of the organization; l Follow-up on audit findings and/or recommendation

l

l l

from monitoring results of the FSA, internal auditor, Sharia Supervisory Board, and/or external auditor in the Company; In the effort to implement GCG, the Board of Directors has functions of internal audit, risk management and risk management committees, and compliance; The Board of Directors provides data and information that are accurate, relevant, and timely to the Board of Commissioners and the Sharia Supervisory Board; All members of the Board of Directors have clear duties and responsibilities according to their field of duty; Board of Directors have guidelines and work rules that are binding to every member of the Board of Directors that stated working time and meeting arrangement.

Tugas dan Tanggung Jawab Direksi Seluruh jajaran Direksi dipastikan telah lolos fit & proper test dari regulator perbankan, berdomisili di Indonesia, memenuhi persyaratan dalam UU No. 40 Tahun 2007 tentang Perseroran Terbatas, dan telah sesuai dengan ketentuan GCG. Perseroan juga memastikan bahwa seluruh jajaran Direksi Perseroan tidak memiliki rangkap jabatan sebagai Dewan Komisaris, Direksi, atau pejabat eksekutif pada bank atau perusahaan lain. Sehingga dalam pengambilan keputusan tidak menimbulkan konflik kepentingan.

Duties and Responsibilities of the Board of Directors The entire Board of Directors are ascertained to have passed the fit and proper test from banking regulator, are domiciled in Indonesia, fulfill the requirements in the Act No. 40/2007 of Limited Liability Company, and in accordance with GCG principles. The Company also ensure that the entire member of the Board of Directors don’t have double post as the Board of Commissioners, Board of Directors, or executive officers in other banks or companies, so that every decision making will not create conflict of interest.

Sesuai dengan Anggaran Dasar, pembagian tugas dan tanggung jawab setiap anggota Direksi ditetapkan oleh RUPS. Kewenangan RUPS kemudian dilimpahkan kepada Dewan Komisaris. Setiap Direksi memiliki tugas dan kewenangannya masing-masing, sebagai berikut :

In accordance with the articles of association, the division of duties and responsibilities of every member of the Board of Directors are determined by the General Meeting of Shareholders. The authority of the General Meeting of Shareholders is then delegated to the Board of Commissioners. Every Board of Directors have their own duties and responsibilities, as follows:

Fungsi dan Tugas Direktur Utama Bertanggung jawab atas perencanaan dan pelaksanaan pengembangan usaha Perseroan, sehingga perusahaan secara dinamis dapat meningkat dan berkembang sejalan dengan visi dan misinya. Selain itu, Direktur Utama bertugas menciptakan dan menjaga hubungan yang harmonis antara Dewan Komisaris, Direksi, pemegang saham, pegawai, dan seluruh stakeholders dengan berbasis pada prinsip GCG. Pejabat eksekutif yang bertanggung jawab kepada Direktur Utama, yaitu Kepala Sekretaris Perusahaan, Kepala Divisi Sumber Daya Insani (SDI), Kepala Satuan Kerja Audit Intern (SKAI), Kepala Divisi Bisnis Pembiayaan Komersial, Kepala Divisi Bisnis Pendanaan Komersial, Kepala Divisi Perencanaan Strategis Manajemen Penjualan (PSMP), Manajer Anti Fraud, dan Kepala Divisi Bisnis Mikro.

Functions and Duties of the President Director Responsible for the planning and implementation of the Company’s business development, so that the Company can improve and grow dynamically in line with its vision and mission. In addition, the President Director is in charge of creating and maintaining a harmonious relationship between the Board of Commissioners, Board of Directors, shareholders, employees, and the entire stakeholders that are based on GCG principles. Executive officers who are responsible to the President Director are Head of Corporate Secretary, Head of Human Resources Division, Head of Internal Audit Tasks Force, Head of Commercial Financing Business Division, Head of Commercial Funding Business Division, Head of Strategic Planning & Management Sale, Anti Fraud Manager, and Head of Micro Business Division.

Fungsi dan Tugas Direktur Bisnis Bertanggung jawab atas perencanaan dan pelaksanaan pengembangan Direktorat Bisnis, sehingga bisnis secara dinamis dapat meningkat dan berkembang sebagai motor penggerak dan profit center bagi Perseroan. Pejabat eksekutif yang bertanggung jawab kepada Direktur Bisnis Perseroan adalah Kepala Divisi Bisnis Area, Kepala Divisi Supervisi Bisnis dan Fee Based, Kepala Divisi Pengembangan Produk, Kepala Divisi Restrukturisasi dan Penyelesaian Pembiayaan, Manajer Delivery Channel, dan seluruh Pemimpin Cabang Perseroan.

Functions and Duties of the Business Director Responsible for the planning and implementation of Business Directorate development, so that the business can improve and grow dynamically as the engine and profit center of the Company. Executive officers who are responsible to the Company’s Business Director are Head of Area Business Division, Head of Business Supervision and Fee Based Division, Head of Product Development Division, Delivery Channel Manager, and all of the Company’s Head of Branch.

Fungsi dan Tugas Direktur Operasi dan Pelayanan

Functions and Duties of Operation and Services Director Responsible for planning and implementation of the Operation and Services Directorate development, so that the operation and services can dynamically

Bertanggung jawab atas perencanaan dan pelaksanaan pengembangan Direktorat Operasi dan Pelayanan, sehingga operasi dan pelayanan secara dinamis dapat


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meningkat dan berkembang sebagai penunjang bisnis dalam perusahaan. Pejabat eksekutif yang bertanggung jawab kepada Direktur Operasi dan Pelayanan adalah Kepala Divisi Operasi dan Analisa Keuangan, Kepala Divisi Pelayanan, Kepala Divisi Support Pembiayaan, dan Kepala Divisi Teknologi Informasi.

improve and grow as business support in the Company. Executive officers who are responsible to the Operation and Services Director are Head of Operation and Financial Analysis Division, Head of Services Division, Head of Financial Support Division, and Head of Information Technology Division.

Fungsi dan Tugas Direktur Kepatuhan dan Manajemen Risiko Bertanggung jawab atas perencanaan dan pelaksanaan pengembangan pengelolaan risiko dan kepatuhan Perseroan, sehingga Direktorat Kepatuhan dan Manajemen Risiko secara dinamis dapat meningkat dan berkembang sejalan dengan perkembangan usaha Perseroan. Pejabat eksekutif yang bertanggung jawab kepada Direktur Kepatuhan dan Manajemen Risiko adalah Kepala Divisi Kepatuhan, dan Kepala Divisi Manajemen Risiko.

Functions and Duties of The Compliance and Risk Management Director Responsible for planning and implementation of the Company’s risk management and compliance development, so that the Compliance and Risk Management Directorate can improve and grow dynamically in line with the Company’s business development. Executive officers who are responsible to the Compliance and Risk Management Director are the Head of Compliance Division, and Head of Risk Management Division.

Independensi Direksi Pemenuhan aspek independensi Direksi pada Perseroan telah mematuhi ketentuan pelaksanaan tata kelola perusahaan bagi bank umum syariah yang diatur oleh OJK, di mana, Direktur Utama dan Direktur merupakan pihak yang independen terhadap pemegang saham pengendali. Selain itu, Direksi pada Perseroan juga tidak memiliki rangkap jabatan sebagai anggota Dewan Komisaris, Direksi atau Pejabat Eksekutif pada Perseroan, perusahaan dan/atau lembaga lain.

Independence of the Board of Directors Fulfillment of independence aspect of the Board of Directors in the Company has follow the provision of the Company’s governance for sharia commercial banks that have been regulated by the Financial Services Authority where the President Director and the Directors are independent parties toward controlling shareholders. Furthermore, the Board of Directors in the Company also don’t have double post as member of the Board of Commissioners, Board of Directors, or Executive Officers in the Company or other companies and/or institution.

Dalam melaksanakan tugasnya, Direksi bekerja secara independen dan tidak terdapat campur tangan dari pihak lain yang bertentangan dengan aturan yang berlaku, serta tidak mengambil dan/atau menerima keuntungan pribadi dari Perseroan selain remunerasi dan fasilitas lainnya seperti yang ditetapkan dalam RUPS. Sesuai dengan prinsip tata kelola perusahaan yang baik, Direksi pada Perseroan memiliki fungsi audit internal, manajemen risiko, serta komite manajemen risiko dan kepatuhan. Sementara itu, untuk menjamin transparansi dan independensi, seluruh Direksi Perseroan telah memenuhi kondisi, sebagai berikut: 1. Anggota Direksi telah mengungkapkan tidak memiliki rangkap jabatan sebagai anggota Dewan Komisaris, Direksi, atau Pejabat Eksekutif pada Perseroan, perusahaan dan/atau lembaga lain. 2. Anggota Direksi telah mengungkapkan bahwa baik secara sendiri-sendiri atau bersama-sama tidak memiliki saham melebihi 5% (lima persen) dari modal disetor pada Perseroan dan/atau pada suatu perusahaan lain.

In implementing its duties, the Board of Directors work independently and without interference from other parties that contradict with existing regulations, as well as not taking and/or receiving personal benefits from the Company other than remuneration and other facilities that are determined in the GMS. In accordance with good corporate governance principles, the Board of Directors of the Company has functions of internal audit, risk management, and risk management and compliance committee. Meanwhile, to guarantee its transparency and independence, the entire Board of Directors of the Company have fulfilled the conditions as follows: 1. Members of the Board of Directors have reveal that they don’t have double post as members of Board of Commissioners, Board of Directors, or Executive Officers in the Company or other companies and/or institution. 2. Members of the Board of Directors have reveal that they, individually or collectively, don’t own shares of more than 5% (five percent) of paid-in capital in the Company and/or other companies.


3. Anggota Direksi telah mengungkapkan bahwa mayoritas (lebih dari 50%) anggota Direksi tidak saling memiliki hubungan keluarga sampai dengan derajat kedua dengan sesama anggota Direksi dan/atau dengan anggota Dewan Komisaris.

3. Members of the Board of Directors have reveal that the majority (more than 50%) of members of the Board of Directors don’t have family relationship up to the second degree with their fellow member of Board of Directors and/or member of Board of Commissioners.

KEPEMILIKAN SAHAM DIREKSI 5% ATAU LEBIH Shareholding of the Board of Directors 5% or More Nama/Name Jabatan/Position Riyanto Ruddy Susatyo Adil Syahputra Aris Wahyudi

Saham Perseroan (%)/ Share in the Company (%)

Direktur Utama/ - President Director Direktur/Director - Direktur/Director - Direktur/Director -

Saham di Perusahaan Lain Share Other Company -

RANGKAP JABATAN PADA PERUSAHAAN ATAU LEMBAGA LAIN CONCURRENT POSITION IN OTHER COMPANIES OR INSTITUTION Nama/Name Jabatan/Position Riyanto Ruddy Susatyo Adil Syahputra Aris Wahyudi

Rangkap Jabatan/Concurrent Position

Direktur Utama/President Director - Direktur/Director - Direktur/Director Direktur/Director -

Pedoman Tata Tertib Kerja Direksi Pada 2016, Direksi Perseroan telah memiliki buku Pedoman Tata Tertib Kerja Direksi untuk memastikan pelaksanaan tugas dan tanggung jawab Direksi. Pedoman dan Tata Kerja Direksi ini telah disahkan melalui Surat Keputusan No. 152/SKEP-DIR/KP-JKT/XI/2014 Tentang Pedoman dan Tata Tertib Kerja Direksi.

Guidelines of Work Rules of the Board of Directors In 2016, the Company’s Board of Directors have owned Guidelines of Work Rules of the Board of Directors to ensure the implementation of the Board of Directors’ duties and responsibilities. The Guidelines and Work Rules of the Board of Directors have been authorized through Decree Number 152/SKEP-DIR/KP-JKT/XI/2014 regarding the Guidelines and Work Rules of the Board of Directors.

Pedoman tersebut mengatur etika kerja Direksi, pengaturan rapat, penggantian Direksi, dan ketentuan lain yang memenuhi prinsip-prinsip tata kelola perusahaan yang baik sesuai dengan ketentuan yang berlaku. Dalam Pedoman Tata Tertib Kerja Direksi, anggota Direksi dituntut dan harus senantiasa melakukan hal-hal sebagai berikut:

This guideline regulate the work ethic of the Board of Directors, meeting arrangement, replacement of Board of Directors, and other regulations that fulfill good corporate governance principles that is in accordance with applicable regulations. In the Guidelines of Work Rules of the Board of Directors, the members of the Board of Directors are required and must always do things as follows: 1. Be professional, honest, and objective in every decision making by considering principles of prudence;

1. Bersikap profesional, jujur, dan obyektif dalam setiap pengambilan keputusan dengan memperhatikan prinsip kehati-hatian; 2. Memahami dan mematuhi peraturan perundangundangan dan ketentuan-ketentuan baik internal maupun eksternal serta norma-norma yang berlaku; 3. Menjunjung tinggi dan menjaga citra, kehormatan dan martabat Perseroan serta kehormatan dan martabat diri pribadi; 4. Menepati janji dan komitmen kepada pihak otoritas dan stakeholder; 5. Menyimpan rahasia Perseroan dan rahasia jabatan, serta rahasia nasabah;

2. Understands and comply with rules and regulations, both internal and external, including prevailing norms; 3. Upheld and maintain the image, honor, and dignity of the Company, as well as their honor and dignity; 4. Keeping promises and commitments to authorities and stakeholders; 5. Keeping the Company secrecy and professional secrecy, as well as the client’s secrets;


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6. Meningkatkan kemampuan diri dalam pelaksanaan tugasnya; 7. Menyediakan waktu yang cukup dan memberikan kontribusi pemikiran yang positif guna memajukan Perseroan; 8. Menghindarkan diri dari benturan kepentingan antara lain dari segala upaya: a. Pihak lain atau inisiatif pribadi yang dapat dikategorikan sebagai upaya memanfaatkan Perseroan untuk kepentingan pribadi, keluarga, dan/atau pihak lain yang dapat merugikan atau mengurangi keuntungan Perseroan; b. Pihak lain atau inisiatif pribadi yang dapat berpotensi dikategorikan mengambil dan/atau menerima keuntungan pribadi dari Perseroan selain remunerasi dan fasilitas lainnya yang ditetapkan dalam Rapat Umum Pemegang Saham; c. Pengambilan keputusan dimana secara pribadi atau dengan cara apapun baik secara langsung maupun secara tidak langsung para anggota Direksi mempunyai kepentingan pribadi di dalamnya.

6. Improve capability in implementing its duties;

Peningkatan Kompetensi Direksi Untuk meningkatkan dan mengembangkan kompetensi anggota Direksi dalam menjalankan tugasnya mengelola perseroan, pada tahun 2016 Direksi telah mengikuti berbagai program pelatihan dan pengembangan yang meliputi seminar, workshop, conference, dan talkshow. Adapun program-program peningkatan kompetensi yang diikuti oleh Direksi sepanjang 2016, antara lain:

Competency Improvement of the Board of Directors To improve and develop the competency of the Board of Directors’ members in conducting their task of managing the Company, in 2016 the Board of Directors have participated in various training and development programs, including seminar, workshop, conference, and talk show. The competency improvement programs that the Board of Directors participated in throughout 2016 are:

7. Provide adequate time and contribute positive ideas in order to improve the Company; 8. Avoid any conflict of interests, such as from any kind of efforts as follows: a. Other party or personal initiative that can be categorized as an effort to utilize the Company for personal, family, and/or other parties’ benefit that may harm or reduce the profit of the Company; b. Other party or personal initiative that can potentially categorized as taking and/or receiving personal benefits from the Company other than remuneration and other facilities that have been stipulated in the General Meeting of Shareholders; c. Decision making where personally or by any means, both directly or indirectly, the members of Board of Directors have a personal interest in it.

Peningkatan Kompetensi Direksi Competency Improvement of the Board of Directors Nama/Name Jabatan/Position Seminar/ Seminar Riyanto Direktur Utama Seminar "Persiapan SDM Perbankan Indonesia Dalam Asean Financial Service & Banking Integration 2020” Ruddy Susatyo Direktur Refreshment Sertifikat Management Risiko Seminar “Persiapan SDM Perbankan Indonesia dalam Asean Finansial Service & Banking Integration 2020” Adil Syahputra Direktur Refreshment Assesment Bagi Asesor & Risk Management Kesiapan Perbankan Dalam Menghadapi Penilaian Financial Action Task Force On Money Laundering (FATF) Terhadap Indonesia Implementasi Konglomerasi Keuangan PT Bank Bukopin, Tbk. Aris Wahyudi Direktur -

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Tanggal/ Penyelenggara/ Date Organizer 28 September 2016

PERBANAS

27 Mei 2016

BSMR

28 September 2016

PERBANAS

21 Januari 2016

LSPP

26 Mei 2016

FKDKP

30 November- 1 Desember 2016

PT BANK BUKOPIN, Tbk

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Uraian Dewan Pengawas Syariah

Sharia Supervisory Board Review

Berdasarkan RUPS Tahunan yang telah dilaksanakan pada 26 Maret 2015, Perseroan menetapkan jumlah Dewan Pengawas Syariah (DPS) sebanyak 2 (dua) orang. Pengangkatan DPS dilakukan sebelum berdirinya OJK, yaitu sejak 2008, di mana pengangkatan pertama kali telah mendapatkan persetujuan dari Bank Indonesia (BI). Hal tersebut sebagaimana tercantum dalam Surat Keputusan BI No.10/21/GBI/DPbS tanggal 27 Oktober 2008 dan surat rekomendasi dari Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) No.U-133/DSN-MUI/ IV/2008 tanggal 24 April 2008. Untuk menjaga prinsip transparansi sebagai bagian dari tata kelola perusahaan, Perseroan perlu menyampaikan informasi mengenai rangkap jabatan dari DPS, yaitu sebagai berikut:

Based on the Annual GMS which was held on March 26, 2015, the Company determined the total member of Sharia Supervisory Board as 2 (two) persons. The designation of Sharia Supervisory Board was conducted in 2008 before the establishment of FSA., the first designation obtained approval from Bank Indonesia, as stated in the BI Decree No.10/21/GBI/DPbS dated October 27 2008 and the recommendation letter from DSN-MUI No.U133/DSN-MUI/IV/2008 dated April 24, 2008. To keep the transparency principle as a part of good corporate governance, the Company needs to deliver information regarding concurrent status position of Sharia Supervisory Board, such as:

SUSUNAN DEWAN PENGAWAS SYARIAH SHARIA SUPERVISORY BOARD STRUCTURE Nama/Name Posisi/Position Rangkap Jabatan/ Tanggal Persetujuan Concurrent Position RUPS/ Date of GMS Approval Prof. Dr. H. M. Din Syamsuddin, M.A. Ketua Chairman H. Ikhwan Abidin, M.A. Anggota Member

-Bank Syariah Bukopin -Danamon (UUS) -Bank Syariah Bukopin -Bahana Artha Ventura -Radana Finance

6 Maret 2008 March 6, 2008 6 Maret 2008 March 6, 2008

Dewan Syariah Nasional MUI/ National Sharia Board MUI 24 April 2008 April 24,2008 24 April 2008 April 24,2008

Independensi DPS DPS independen dalam melaksanakan tugas dan tanggung jawabnya. Anggota DPS tidak ada yang memiliki hubungan keuangan, kepengurusan, kepemilikan saham, dan/atau hubungan keluarga dengan PSP, anggota Dewan Komisaris lainnya, dan/atau anggota Direksi atau hubungan keuangan dan/atau hubungan kepemilikan saham dengan Perseroan.

Sharia Supervisory Board’s Independence The Sharia Supervisory Board is independent in implementing their duties and responsibilities. The members of Sharia Supervisory Board don’t have any financial, management, shareholding, and/or family relation with Controlling Shareholders, other member the Board of Commissioners, and/or member of Board of Directors, nor financial relation and/or shareholders relation with the Company.

Anggota DPS sepenuhnya melakukan kegiatan pengawasan terhadap aspek syariah dalam operasional serta bisnis Perseroan secara profesional dan tidak terindikasi adanya intervensi dari pemilik/pemegang saham ataupun dari pemangku kepentingan lainnya. Adapun, hal-hal yang mengindikasikan independensi DPS adalah sebagai berikut. 1. Jumlah anggota DPS paling kurang 2 (dua) orang atau paling banyak 50% dari jumlah anggota Direksi.

The members of the Sharia Supervisory Board fully supervise the sharia aspects in the Company’s operational and business professionally without any indication of intervention from the owners/shareholders or from other stakeholders. The factors that indicate the independence of the Sharia Supervisory Board are as follow:

2. Seluruh anggota DPS memiliki integritas, kompetensi, dan reputasi keuangan yang memadai. 3. Pengangkatan dan/atau penggantian anggota DPS telah mendapat rekomendasi dari Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) dan telah memperoleh persetujuan dari RUPS.

1. The total member of the Sharia Supervisory Board is at least 2 (two) persons or at the most 50% from the total member of the Board of Directors. 2. The entire member of the Sharia Supervisory Board has integrity, competency and adequate financial reputation. 3. The appointment and/or replacement of the members of Sharia Supervisory Board have obtain recommendation from the National Sharia Board of Indonesian Ulema Council and approval from GMS.


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4. Pengangkatan dan/atau penggantian anggota DPS dilakukan dengan memperhatikan rekomendasi Komite Remunerasi dan Nominasi. 5. Masa jabatan anggota DPS paling lama sama dengan masa jabatan anggota Direksi atau Dewan Komisaris.

Tugas dan Tanggung Jawab DPS Pelaksanaan tugas dan tanggung jawab DPS, antara lain sebagai berikut. 1. Memberikan nasihat serta saran kepada Direksi dan mengawasi kegiatan Perseroan agar sesuai dengan prinsip syariah. 2. Melaksanakan tugas dan tanggung jawab DPS sebagaimana dimaksud di atas, yakni: a. Menilai dan memastikan pemenuhan prinsip syariah atas pedoman operasional dan produk yang dikeluarkan Perseroan; b. Mengawasi proses pengembangan produk baru dengan cara meminta penjelasan dari pejabat Perseroan yang berwenang mengenai tujuan, karakteristik, dan akad yang digunakan dalam produk baru yang akan dikeluarkan; c. Memeriksa akad yang digunakan dalam produk baru telah terdapat fatwa DSN-MUI dengan cara melakukan analisis atas kesesuaian akad produk baru dengan fatwa DSN-MUI; d. Me-review sistem dan prosedur produk Perseroan yang akan dikeluarkan terkait dengan pemenuhan prinsip syariah; e. Memberikan opini syariah atas produk baru yang dikeluarkan—meminta fatwa kepada DSN-MUI untuk produk baru Perseroan yang belum ada fatwanya; f. Melakukan review secara berkala atas pemenuhan prinsip syariah terhadap mekanisme penghimpunan dana dan penyaluran dana serta pelayanan jasa Perseroan; g. Meminta data dan informasi terkait dengan aspek syariah dari satuan kerja Perseroan dalam rangka pelaksanaan tugasnya. 3. Menyampaikan laporan hasil pengawasan DPS setiap enam bulan sekali, selambat-lambatnya dua bulan setelah periode semester berakhir. 4. Menganalisis laporan yang disampaikan oleh dan/ atau yang diminta dari Direksi, pelaksana fungsi audit intern, dan/atau fungsi kepatuhan untuk mengetahui kualitas pelaksanaan pemenuhan prinsip syariah atas kegiatan penghimpunan dana dan penyaluran dana serta pelayanan jasa Perseroan. 5. Menetapkan jumlah uji petik (sampel) transaksi yang akan diperiksa dengan memperhatikan kualitas

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4. The appointment and/or replacement of the member of Sharia Supervisory Board is done by considering the recommendation from the Remuneration and Nomination Committee. 5. Sharia Supervisory Board’s term of office is at most the same as the term of office of the members of the Board of Directors or Board of Commissioners. Duties and Responsibilities of the Sharia Supervisory Board The implementation of the Sharia Supervisory Board’s duties and responsibilities are as follows: 1. Give advice and suggestions to the Board of Directors and monitoring Company’s activities to keep it in accordance with sharia principles. 2. Implement the duties and responsibilities of the Sharia Supervisory Board as referred to above, namely: a. Asses and ensure the compliance of sharia principles in operational and product guidelines which are issued by the Company; b. Supervise the development process of new products by requesting for an explanation from authorized Company’s officials regarding the purpose, characteristic and contract that are used in new upcoming product; c. Examine whether or not the contract used in the new product already has National Sharia Board of Indonesian Ulema Council fatwa by analyzing the conformity of new product contract with National Sharia Board of Indonesian Ulema Council fatwa; d. Review the system and procedure of the Company’s product that will be issued regarding to its compliance to the sharia principles; e. Give sharia opinion towards new product that will be issued; request for fatwa from National Sharia Board of Indonesian Ulema Council for the Company’s new product that have no fatwa yet; f. Conduct periodic review regarding the compliance of sharia principles in the fund collecting and fund distribution mechanism and the Company's services; g. Request for data and information regarding the sharia aspects of the Company’s working unit in their task implementation. 3. Deliver the Sharia Supervisory Board’s surveillance report once in every six months, no later than two months after the end of every semester period. 4. Analyze reports submitted by and/or requested from the Board of Directors, the implementer of internal audit function, and/or compliance function to find out the quality of the implementation of sharia principles compliance on fund collecting and fund distribution activities, as well as the Company's services. 5. Determine the number of sample test transactions that will be examined by observing the quality of the

pelaksanaan pemenuhan prinsip syariah dari masingmasing kegiatan. 6. Memeriksa dokumen transaksi yang diuji petik (sampel) untuk mengetahui pemenuhan prinsip syariah sebagaimana dipersyaratkan dalam standard operating procedure (SOP), yaitu antara lain: a. Ada tidaknya bukti pembelian barang, untuk akad Murabahah sebagai bukti terpenuhinya syarat jual-beli dalam akad Murabahah; b. Ada tidaknya laporan usaha nasabah, untuk akad Mudharabah atau Musyarakah sebagai dasar melakukan perhitungan distribusi bagi hasil. 7. Melakukan inspeksi, pengamatan, permintaan keterangan dan/atau konfirmasi kepada pegawai Bank dan/atau nasabah untuk memperkuat hasil pemeriksaan dokumen apabila diperlukan. 8. Melakukan review terhadap SOP terkait dengan aspek syariah apabila terdapat indikasi ketidaksesuaian pelaksanaan pemenuhan prinsip syariah atas kegiatan dimaksud. 9. Memberikan pendapat syariah atas kegiatan penghimpunan dana dan penyaluran dana serta pelayanan jasa Perseroan. 10. Melaporkan hasil pengawasan DPS kepada Direksi dan Dewan Komisaris.

Kegiatan DPS Dalam melakukan tugas dan tanggung jawab sepanjang 2016, DPS terlibat dalam serangkaian kegiatan rapat, baik dengan Direksi maupun jajaran di bawah Direksi atau dengan Dewan Komisaris; melakukan kegiatan review atas kebijakan atau SOP yang telah ditetapkan; mengambil uji petik transaksi sebagai bahan penilaian; serta memberikan opini terkait dengan kegiatan operasional, pengembangan produk, dan fitur. Produk baru yang diberikan opini/fatwa pada 2016 adalah Produk iB Kepemilikan Properti-Musyarakah Mutanaqisah (MMq).

6.

7.

8.

9.

implementation of sharia principles compliance on each activities. Examine transaction documents that were sample tested to find out about the compliance of sharia principles as required in the standard operating procedure (SOP), such as: a. Whether or not there is proof of purchase of goods for Murabahah contract as a proof of terms of sale and purchase fulfillment in the Murabahah contract; b. Whether or not there is customer’s business report for Mudharabah or Musyarakah contract as the basis for calculating profit sharing. Conduct inspection, observation, inquiry and/ or confirmation to the Bank’s employees and/or customers to strengthen the results of document examination, if necessary. Review SOPs regarding the sharia aspects if there is any indication of discrepancy in the sharia principles compliance implementation towards the activities intended. Give sharia opinions on the fund collecting and fund distribution activities, as well as Company’s services.

10. Report the result of Sharia Supervisory Board’s surveillance to the Board of Directors and Board of Commissioners. Sharia Supervisory Board’s Activities In performing their duties and responsibilities throughout 2016, the Sharia Supervisory Board was involved in a series of meetings, with the Board of Directors, the ranks below the Board of Directors or with the Board of Commissioners; conduct review towards policies or SOPs that have been set; take transaction sample test as assessment materials; and give opinion related to the operational activities, product development and features. A new product that have been given opinion/fatwa in 2016 is iB Kepemilikan Properti-Musyarakah Mutanaqisah (MMq).


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KEGIATAN DEWAN PENGAWAS SYARIAH SHARIA SUPERVISORY BOARD ACTIVITY No. Tanggal/Date Kegiatan/Activity 1 27 Januari 2016 January 27, 2016 2 25 Februari 2016 February 25, 2016 3 10 Maret 2016 March 10, 2016 4 27 April 2016 April 27, 2016 5 12 Mei 2016 May 12, 2016 6 30 Juni 2016 June 30, 2016 7 28 Juli 2016 July 28, 2016

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- Opini DPS terkait dengan LHP OJK 2015 BSB Cabang Sidoarjo. - Pemberian Hadiah pada Tabungan dengan Wadi’ah dan Mudharabah. - Sharia Supervisory Board opinion regaring the LHP OJK 2015 BSB Sidoarjo Branch. - Prize granting in savings with Wadi’ah and Mudharabah. - Pemberian Pembiayaan Modal Kerja Pembangunan Perumahan dan Take Over dari Fasilitas Bank Lain Berupa Kredit Investasi Sport Club. - Penggunaan Akad dalam Produk Ijarah Multijasa. - Granting financing for housing development working capital and take over from other Bank’s facilities in the form of Sports Club investment credit. - Using the contract in Ijarah Multijasa product. - Penegasan Penggunaan Akad dalam Produk Ijarah Multijasa. - Besaran Biaya Administrasi dan Biaya Penjaminan Produk Bank Garansi dengan Kontra Bank Garansi. - Affirmation of the use of contract in the Ijarah Multijasa product. - The amount of administration fee and the guarantee fee for Bank Guarantee product with the Counter Guarantee. - Prospek Funding atau Penghimpunan Dana yang Sumber Pendapatannya Berasal dari Usaha SPA. - Pemberian Pembiayaan Modal Kerja Pembangunan Perumahan di Nusa Dua dan Take Over Fasilitas dari Bank Lain Berupa Kredit Investasi Pembangunan Sport Club. - Funding prospect or fund collecting which source of income came from SPA business. - Granting financing for housing development working capital at Nusa Dua and take over from other Bank’s facilities in the from of investment credit for a Sports Club building. - Opini DPS terkait dengan LHP OJK 2015 BSB Cabang Sidoarjo - Pemberian Hadiah Mobil Innova untuk Pengendapan Produk Giro iB dengan Akad Wadi’ah. - Produk Tabungan Khusus Amal. - Produk Giro dengan Akad Mudharabah (Bagi Hasil). - Sharia Supervisory Board regarding the LHP OJK 2015 BSB Sidoarjo Branch - Granting the Innova Car Prize for the settling of the Giro iB product with Wadi’ah contract. - Tabungan Khusus Amal Product. - Current accounts product with Mudharabah contract (profit sharing). - Pengenaan Biaya Administrasi Produk Giro iB - Kerja Sama Bank dengan Perusahaan Asuransi terkait dengan Kontra Bank Garansi. - Imposition of Giro iB Product Administration Fee - Collaboration between the Bank with Insurance Company regarding the Counter Guarantee. - Pembiayaan Investasi kepada Multifinance. - Pembiayaan Murabahah dengan Pencairan Pertama Digunakan untuk Pembayaran Uang Muka kepada Kontraktor. - ATM Controller. - Ketidaksanggupan Bayar Nasabah. - Investment financing for Multifinance. - Murabahah financing with the first disbursement Aused as down payment for the contractor. - ATM Controller. - Inability to Pay.


No. Tanggal/Date Kegiatan/Activity 8 30 Agustus 2016 August 30, 2016 9 22 September 2016 September 22, 2016 10 19 Oktober 2016 October 19, 2016 11 16 November 2016 November 16, 2016 12 27 Desember 2016 December 27, 2016

- Rencana Pemberian Pembiayaan iB SiAga Pensiun kepada Pra Pensiun. - Kerja Sama Pembiayaan Direct Pensiunan dengan Asuransi Konvensional. - Plan of provision of financing SiAga Pensiun for pre-retiree. - Collaboration of retiree direct financing with conventional insurance. - Rencana Penyelesaian Aset Sales antara Perseroan dengan PT. Bank Bukopin Tbk. - Plan of sales asset completion between The Company and PT. Bank Bukopin Tbk. - Hadiah. - Kerja sama Kontra Bank Garansi dengan Perusahaan Asuransi. - Akad dalam Multijasa. - Prizes. - Counter Guarantee collaboration with Insurance Company. - Contract in Multijasa. - Pengalihan Utang (Take Over) Kredit Bank Konvensional dengan Akad Musyarakah. - Pembiayaan Mudharabah K3A (Mudharabah Wal Murabahah). - Penerapan Ta’widh pada Restrukturisasi Pembiayaan Murabahah. - Pembiayaan Investasi Pembelian Alat-Alat Fitness. - Take over of conventional bank’s credit bank with Musyarakah contract. - Mudharabah financing K3A (Mudharabah Wal Murabahah). - Implementation of Ta’widh in the restructuration of Murabahah financing. - Investment financing for fitness equipment purchasing. - Penyaluran Dana Nasabah. - Fund distribution.

Opini Produk dan Aktivitas Bank Produk Opinion and Bank Activity No. Tanggal/Date 1. 27 April 2016 April 27, 2016

Produk dan Aktivitas/Product and Activity Opini Produk iB Kepemilikan Properti - Musyarakah Mutanaqisah (MMq) Opini Produk iB Kepemilikan Properti Musyarakah Mutanaqisah (MMq)

Uji Petik Dewan Pengawas Syariah sharia supervisory board sample test Tanggal/Date 11-12 Februari 2016 February 11-12, 2016 24-25 Agustus 2016 August 24-25, 2016

Venue/Tempat Bank Syariah Bukopin Cabang Semarang Bank Syariah Bukopin Cabang Bukittinggi

Objek Uji Petik/Product and Activity Produk (Pendanaan & Pembiayaan) dan Aktivitas Bank Produk (Pendanaan & Pembiayaan) dan Aktivitas Bank

Assessment Terhadap Dewan Komisaris dan Direksi

Assessment Against Board of Commissioners and Board of Directors

Prosedur pelaksanaan assessment atas kinerja Dewan Komisaris dan Direksi dilakukan melalui mekanisme self assessment. Hal ini sejalan dengan Lampiran 4 Surat Edaran Bank Indonesia Nomor 12/13/DPbS tanggal 30 April 2010 Perihal Good Corporate Governance.

Implementation procedures on the assessment performance of the Board of Commissioners and Board of Directors conducted through self-assessment method. This is in line with Appendix 4 Bank Indonesia Circular Letter No. 12/13/DPbS dated April 30, 2010 regarding Good Corporate Governance.


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Kriteria Self Assessment Dewan Komisaris dan Direksi yang melakukan self assessment secara mandiri. Adapun kriteria yang digunakan dalam pelaksanaan assessment atas kinerja Dewan Komisaris dan Direksi mengacu kepada Lampiran 4. Surat Edaran Bank Indonesia Nomor 12/13/DPbS tanggal 30 April 2010 Perihal Good Corporate Governance, yakni: Dewan Komisaris l Komposisi, kriteria, dan independensi Dewan Komisaris. l Tugas dan Tanggung Jawab Dewan Komisaris. l Efektivitas Rapat Dewan Komisaris. l Transparansi Dewan Komisaris.

Self-Assessment Criteria Board of Commissioners and Directors are undertake self-assessment independently. The criteria used in the implementation of the assessment of the performance of the Board of Commissioners and Directors refer to Appendix 4. Bank Indonesia Circular Letter No. 12/13/ DPbS dated 30 April 2010 regarding Good Corporate Governance, namely: Board of Commisioners l The composition, criteria, and the independence of the Board of Commissioners. l Duties and Responsibilities of the Board of Commissioners. l Board of Commissioners Effectiveness in Meeting. l Board of Commissioners Transparency.

Direksi

Board of Directors

l Komposisi, kriteria, dan independensi Direksi.

l The composition, criteria, and the independence of the

l Tugas dan Tanggung Jawab Direksi. l Efektivitas Rapat Direksi. l Transparansi Direksi.

l Duties and Responsibilities of Directors. l Effectiveness of Board of Directors Meeting. l Board of Directors Transparency.

Uraian Kebijakan Remunerasi Bagi Dewan Komisaris, Direksi, dan Dewan Pengawas Syariah

Review of Remuneration Policy of the Board of Commissioners, Board of Directors, and Sharia Supervisory Board

Penetapan remunerasi bagi Dewan Komisaris ditetapkan berdasarkan hasil keputusan RUPS per tanggal 26 Agustus 2015 dan Surat Keputusan Dewan Komisaris Nomor 006/Skep-KOM/KPJKT/III/2015 tentang Penyempurnaan Peraturan Remunerasi Dewan Komisaris, Direksi, dan DPS. Adapun indikator untuk penetapan remunerasi Dewan Komisaris, Direksi dan DPS adalah:

The establishment of remuneration for the Board of Commissioners is determined based on the result of Annual General Meeting dated on August 26, 2015 and the Decree of the Board of Commissioners Number 006/SkepKOM/KPJKT/III/2015 regarding the Improvement of the Regulation Regarding the Remuneration for the Board of Commissioners, Board of Directors, and Sharia Supervisory Board. The indicator to establish the remuneration for the Board of Commissioners, Board of Directors, and Sharia Supervisory Board are: l The Company’s performance. l Benchmarking result of the banking industry remuneration. l Condition of the Company. l Condition of the inflation rate.

Board of Directors.

l Kinerja Perusahaan/Perseroan. l Hasil benchmarking remunerasi industri perbankan. l Kondisi Perusahaan. l Kondisi tingkat Inflasi.

Komponen remunerasi bagi Dewan Komisaris, Direksi, dan DPS, sebagai berikut:

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The component of remuneration for the Board of Commissioners, Board of Directors, and Sharia Supervisory Board, are as follows:

No. Jenis Remunerasi Komisaris/ Type of Remuneration for the Commissioners

Ada/Tidak ada Available/Unavailable

1 Gaji Pokok/Basic Salary 2 Tunjangan Kesehatan/Health Benefits 3 Tunjangan Pulsa HP/Phone Credit Benefits 4 Tunjangan Perjalanan Dinas/Official Travel Benefits 5 Tunjangan Hari Raya/Holiday Allowance 6 Bonus/Bonus 7 Asuransi Jabatan/Occupation Insurance

Ada/Available Ada/Available Ada/Available Ada/Available Ada/Available Ada/Available Ada/Available

No. Jenis Remunerasi Direksi/ Type of Remuneration for the Directors

Ada/Tidak ada Available/Unavailable

1 Gaji Pokok/Basic Salary 2 Tunjangan Kesehatan/Health Benefits 3 Tunjangan Pulsa HP/Phone Credit Benefits 4 Tunjangan Kacamata/Glasses Allowance 5 Tunjangan Perjalanan Dinas/Official Travel Benefits 6 Tunjangan keanggotaaan Club/Club Membership Benefits 7 Tunjangan Cuti/Leave Benefit 8 Tunjangan Hari Raya/Holiday Allowance 9 Bonus/Bonus 10 Tunjangan Entertainment/Makan/Entertainment/Dining Benefits 11 Tunjangan Kendaraan/Vehicle Allowance 12 Asuransi Jabatan/Occupation Insurance

Sementara itu, untuk penetapan remunerasi bagi DPS ditetapkan berdasarkan hasil rapat Direksi dan Surat Keputusan Dewan Komisaris Nomor 006/Skep-KOM/ KPJKT/III/2015 tentang Penyempurnaan Peraturan Remunerasi Dewan Komisaris, Direksi, dan DPS, dengan komponen remunerasi sebagai berikut:

No.

Meanwhile, for the establishment of remuneration for the Sharia Supervisory Board is determined based on the result of the Board of Directors’ Meeting and Decree of the Board of Commissioners Number 006/Skep-KOM/KPJKT/III/2015 regarding the Improvement of the Regulation Regarding the Remuneration for the Board of Commissioners, Directors, and Sharia Supervisory Board, with the remuneration components are as follows:

Jenis Remunerasi Dewan Pengawas Syariah/ Type of Remuneration for the Sharia Supervisory Board

1 Gaji Pokok/Basic Salary 2 Tunjangan perjalanan Dinas/Official Travel Benefits 3 Tunjangan Hari Raya/Holiday Allowance 4 Bonus/Bonus

Struktur Remunerasi Jumlah Imbalan Pasca Kerja Dewan Komisaris:

Ada/Available Ada/Available Ada/Available Ada/Available Ada/Available Ada/Available Ada/Available Ada/Available Ada/Available Ada/Available Ada/Available Ada/Available

Ada/Tidak ada Available/Unavailable Ada/Available Ada/Available Ada/Available Ada/Available

Remuneration Structure of the Amount of Post Employment Benefits for the Board of Commissioners:

Remunerasi Dewan Komisaris Berdasarkan Tingkat Penghasilan PT Bank Syariah Bukopin 2016 Board of Commissioners Remuneration Based Income Levels PT Bank Syariah Bukopin 2016 JUMLAH RENUMERASI PER ORANG DALAM 1 TAHUN JUMLAH KOMISARIS TYPE OF REMUNERATION PER PERSON (IN 1 YEAR) NUMBER OF COMMISSIONERS di atas Rp2 miliar/above Rp2 billion - di atas Rp1 miliar s.d Rp2 miliar/above Rp1 billion to Rp2 billion di atas Rp500 juta s.d Rp1 miliar/above Rp500 million to Rp1 billion 4 Rp500 juta ke bawah/less than Rp500 million -


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Struktur Remunerasi Dewan Komisaris PT Bank Syariah Bukopin 2016 Board of Commissioners Remuneration Structure PT Bank Syariah Bukopin 2016 JENIS REMUNERASI 2016 & FASILITAS LAIN DEWAN KOMISARIS (ORANG) JUMLAH (RP JUTA) BOARD OF COMMISSIONERS (PERSON) TOTAL (RP MILLION) Renumerasi 4 1.921 Fasilitas lainnya 4 74 Jumlah 4 1.995

Struktur Remunerasi Jumlah Imbalan Pasca Kerja Direksi:

REMUNERATION & OTHER FACILITY Remuneration Other facility Total

Remuneration Structure of the Amount of Post Employment Benefits for Directors:

Remunerasi Direksi Berdasarkan Tingkat Penghasilan PT Bank Syariah Bukopin 2016 Board of Directors Remuneration Based Income Levels PT Bank Syariah Bukopin 2016 JUMLAH RENUMERASI PER ORANG DALAM 1 TAHUN TYPE OF REMUNERATION PER PERSON (IN 1 YEAR)

JUMLAH DIREKSI NUMBER OF DIRECTORS

di atas Rp2 miliar/above Rp2 billion 1 di atas Rp1 miliar s.d Rp2 miliar/above Rp1 billion to Rp2 billion 3 di atas Rp500 juta s.d Rp1 miliar/above Rp500 million to Rp1 billion Rp500 juta ke bawah/less than Rp500 million -

Struktur Remunerasi Direksi PT Bank Syariah Bukopin 2016 Board of Directors Remuneration Structure PT Bank Syariah Bukopin 2016 JENIS REMUNERASI 2016 REMUNERATION & FASILITAS LAIN & OTHER FACILITY DIREKSI (ORANG) JUMLAH (RP JUTA) BOARD OF DIRECTORS (PERSON) TOTAL (RP MILLION) Renumerasi 4 6.414 Remuneration Fasilitas lainnya 4 678 Other facility Jumlah 4 7.092 Total

Struktur Remunerasi Jumlah Imbalan Pasca Kerja DPS:

Remuneration Structure of the Amount of Post Employment Benefits for the Sharia Supervisory Board:

Remunerasi Dewan Pengawas Syariah Berdasarkan Tingkat Penghasilan PT Bank Syariah Bukopin 2016 Sharia Supervisory Board Remuneration Based Income Levels PT Bank Syariah Bukopin 2016 JUMLAH RENUMERASI PER ORANG DALAM 1 TAHUN TYPE OF REMUNERATION PER PERSON (IN 1 YEAR)

JUMLAH DEWAN PENGAWAS SYARIAH NUMBER OF SHARIA SUPERVISORY BOARDS

di atas Rp2 miliar/above Rp2 billion di atas Rp1 miliar s.d Rp2 miliar/above Rp1 billion to Rp2 billion di atas Rp500 juta s.d Rp1 miliar/above Rp500 million to Rp1 billion 2 Rp500 juta ke bawah/less than Rp500 million -

Struktur Remunerasi Dewan Pengawas Syariah PT Bank Syariah Bukopin 2016 Sharia Supervisory Board Remuneration Structure PT Bank Syariah Bukopin 2016 JENIS REMUNERASI 2016 REMUNERATION & FASILITAS LAIN & OTHER FACILITY DEWAN PENGAWAS SYARIAH (ORANG) JUMLAH (RP JUTA) SHARIA SUPERVISORY BOARD (PERSON) TOTAL (RP MILLION) Renumerasi 2 287 Remuneration Fasilitas lainnya - - Other facility Jumlah 2 - Total

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Frekuensi Rapat Dewan Komisaris dan Direksi

Board of Commissioners and Board of Directors Meeting frequency

Frekuensi Rapat Dewan Komisaris Pengawasan aktif Dewan Komisaris tercermin dalam rapat Dewan Komisaris, rapat Dewan Komisaris dengan Direksi maupun rapat Dewan Komisaris dengan komite yang membahas kinerja keuangan, profil risiko, dan tindak lanjut hasil temuan oleh SKAI. Rapat dilaksanakan setiap periode, dan/atau sesuai dengan kebutuhan.

Board of Commissioners’ Meeting Frequency Board of Commissioners’ active supervisory is reflected in Board of Commissioners meeting, Board of Commissioners meeting with Directors, as well as Board of Commissioners meeting with the committee which discuss financial performance, risk profile, and follow up to finding results of Internal Audit Task Force. Meetings are held periodically, and/or as needed.

Sepanjang 2016, Dewan Komisaris telah menyelenggarakan rapat sebanyak 18 (delapan belas) kali. Dalam pelaksanaan tugas Dewan Komisaris telah dilakukan rapat Dewan Komisaris lebih dari satu kali dalam 2 (dua) bulan dan dihadiri paling kurang 2/3 (dua per tiga) dari jumlah anggota Dewan Komisaris. Rapat tersebut dipimpin oleh Komisaris Utama atau anggota Dewan Komisaris lain ketika Komisaris Utama tidak hadir.

Throughout 2016, the Board of Commissioners have held meetings as much as 18 (eighteen) times. In implementing the tasks of Board of Commissioners, the Board of Commissioners meetings have been held once in every 2 (two) months and attended by at least 2/3 (two third) of the total members of the Board of Commissioners. The meeting was led by the President Commissioner or other member of the Board of Commissioners if the President Commissioner was absent.

FREkuensi Rapat Dewan Komisaris Board of Commissioners meeting frequency Nama/Name Jabatan/Position Tri Joko Prihanto Eddy Cahyono Hajriyanto Y.Thohari Bambang Setiaji

Komisaris Utama/ President Commissioner Komisaris/ Commissioner Komisaris Independen/ Independent Commissioner Komisaris Independen/ Independent Commissioner

Jumlah Rapat/ Jumlah Kehadiran/ Number of Meeting Number of Attendance 18

18

18

18

18

17

18

14

Frekuensi Rapat Direksi Sesuai dengan ketentuan yang tertuang dalam Pedoman Tata Tertib Kerja Direksi, Direksi pada Perseroan wajib menyelenggarakan Rapat Direksi. Rapat Direksi merupakan forum dan mekanisme dalam mengambil keputusan strategis dan dilakukan secara musyawarah mufakat. Hasil Rapat Direksi dituangkan dalam risalah rapat dan didokumentasikan dengan baik, termasuk jika ada perbedaan pendapat (dissenting opinions) dan alasan atas hasil keputusan rapat. Keputusan rapat selanjutnya disampaikan kepada masing-masing divisi/unit terkait untuk ditindaklanjuti sesuai dengan otoritas masingmasing divisi/unit. Selain itu, Direksi juga melakukan rapat gabungan dengan Dewan Komisaris terkait kebijakan dan kinerja Perseroan.

Board of Directors’ Meeting Frequency In accordance with the regulations set forth in the Guidelines of Work Rules of the Board of Directors, the Company’s Board of Directors are obligated to hold Board of Directors meeting. Board of Directors meeting is a forum and mechanism in taking strategic decisions in consensus. The result of the Board of Directors meeting is outlined in the minutes of meeting and well documented, including if there are any dissenting opinions and the reasons for the decision of the meeting. The decision of the meeting shall be delivered to each related division/unit to be followed-up in accordance with the authority of each division/unit. Furthermore, the Board of Directors also conduct joint meetings with the Board of Commissioners regarding the Company’s policies and performance.

Sepanjang 2016, Direksi telah melakukan rapat sebanyak 37 (tiga puluh tujuh) kali, yang meliputi rapat internal

Throughout 2016, the Board of Directors have held meetings as much as 37 (thirty seven) times, including


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Direksi, serta rapat gabungan Direksi dan Dewan Komisaris. Berikut frekuensi dan kehadiran masing-masing anggota Direksi dalam rapat:

internal meeting of the Board of Directors as well as joint meeting between the Board of Directors and Board of Commissioners. Below is the frequency and attendance of each member of the Board of Directors in the meeting:

FREkuensi Rapat DIREKSI Board of DIRECTORS meeting frequency Nama/Name Jabatan/Position

Jumlah Rapat/ Jumlah Kehadiran/ Number of Meeting Number of Attendance

Riyanto Direktur Utama/ President Director Ruddy Susatyo Direktur/ Director Adil Syahputra Direktur/ Director Aris Wahyudi Direktur/ Director

Frekuensi Rapat Dewan Komisaris dan Direksi Sepanjang 2016, Dewan Komisaris dan Direksi mengadakan rapat gabungan terkait kebijakan dan kinerja Perseroan sebanyak 16 (enam belas) kali. Berikut frekuensi dan kehadiran masing-masing anggota Dewan Komisaris dan Direksi dalam rapat gabungan:

37 37 37

29

37

35

37

35

Meeting Frequency of the Board of Commissioners and the Board of Directors Throughout 2016, the Board of Commissioners and Board of Directors held joint meetings regarding the Company’s policies and performance as much as 16 (sixteen) times. Below is the meeting frequency and attendance of each members of the Board of Commissioners and the Board of Directors in the joint meeting:

FREkuensi Rapat Dewan Komisaris dan Direksi Meeting Frequency of the board of commissioners and the board of directors Nama/Name Jabatan/Position Tri Joko Prihanto Eddy Cahyono Hajriyanto Y.Thohari Bambang Setiaji

Komisaris Utama/ President Commissioner Komisaris/ Commissioner Komisaris Independen/ Independent Commissioner Komisaris Independen/ Independent Commissioner

Jumlah Rapat/ Jumlah Kehadiran/ Number of Meeting Number of Attendance 16 16 16

16

16

14

16

12

FREkuensi Rapat Dewan Komisaris dan Direksi Meeting Frequency of the board of commissioners and the board of directors Nama/Name Jabatan/Position Riyanto Direktur Utama/ President Director Ruddy Susatyo Direktur/ Director Adil Syahputra Direktur/ Director Aris Wahyudi Direktur/ Director

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Jumlah Rapat/ Jumlah Kehadiran/ Number of Meeting Number of Attendance 16

16

16

16

16

16

16

16

Informasi Mengenai Pemegang Saham Utama dan Pengendali

Information of Major and Controlling Shareholders

Informasi mengenai pemegang saham utama dan pengendali dijelaskan dalam bentuk bagan atau skema Struktur Pemegang Saham pada halaman 39.

Information of major and controlling shareholders explained in form chart or scheme of shareholder structure in page 39.

Pengungkapan Hubungan Afiliasi

AFFILIATE RELATIONSHIP DISCLOSURE

Anggota Dewan Komisaris telah mengungkapkan tidak memiliki hubungan keluarga dan keuangan, baik dengan sesama anggota Dewan Komisaris, Direksi, maupun pemegang saham pengendali. Hal yang sama juga telah diungkapkan anggota Direksi, bahwa anggota Direksi tidak memliki hubungan keluarga dan keuangan, baik dengan sesama anggota Direksi, Dewan Komisaris, maupun pemegang saham pengendali.

Members of the Board of Commissioners has revealed no family relationship and finance, both with fellow members of the Board of Commissioners, Directors, and controlling shareholders. The same thing has also been expressed members of the Board of Directors, that the members of the Board of Directors has no family relationships and finances, either with fellow members of the Board of Directors, Board of Commissioners, as well as the controlling shareholders.

Hubungan Keuangan dan hubungan keluarga dewan komisiaris Financial Relationship and Family Relationship of the Board of Commissioners Nama/Name

Pemegang Saham Pengendali Dewan Komisaris Direksi Controlling Shareholders Board of Commissioners Board of Directors Hubungan Hubungan Hubungan Hubungan Hubungan Hubungan Keuangan Keluarga Keuangan Keluarga Keuangan Keluarga Financial Family Financial Family Financial Family Relationship Relationship Relationship Relationship Relationship Relationship

Tri Joko Prihanto Eddy Cahyono Hajriyanto Y.Thohari Bambang Setiaji

Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Yes No Yes No Yes No Yes No Yes No Yes No √ √ √ √ √ √ √ √ √ √ √ √ √ √ √ √ √ √ √ √ √ √ √ √

Hubungan Keuangan dan hubungan keluarga Direksi Financial Relationship and Family Relationship of the Board of Directors Nama/Name

Pemegang Saham Pengendali Dewan Komisaris Direksi Controlling Shareholders Board of Commissioners Board of Directors Hubungan Hubungan Hubungan Hubungan Hubungan Hubungan Keuangan Keluarga Keuangan Keluarga Keuangan Keluarga Financial Family Financial Family Financial Family Relationship Relationship Relationship Relationship Relationship Relationship

Riyanto Ruddy Susatyo Adil Syahputra Aris Wahyudi

Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Yes No Yes No Yes No Yes No Yes No Yes No √ √ √ √ √ √ √ √ √ √ √ √ √ √ √ √ √ √ √ √ √ √ √ √


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Komite Audit

Audit Committee

Susunan Anggota Komite Audit

Membership Composition of the Audit Committee Membership Composition of the Audit Committee is as follows:

Susunan Anggota Komite Audit, sebagai berikut:

Nama/Name

Jabatan/Position

Bambang Setiaji Ketua/Komisaris Independen/ Chairman/Independent Commissioner Syofiadi Anggota/Member Dadang Edi Djumana Anggota/Member

Kualifikasi pendidikan dan pengalaman kerja Komite Audit, sebagai berikut:

Persetujuan/Approval

SKEP Nomor: 254/SKEP-DIR/BSB-JKT/ XII/2015 Tanggal 10 Desember 2015

Education qualification and working experience of the Audit Committee are as follows:

Nama/Name Kualifikasi/Qualification Bambang Setiaji - Doktor dari Fakultas Ekonomi Universitas Gadjah Mada (FE UGM). - Guru Besar dan sekaligus rektor di Universitas Muhammadiyah Solo sejak 2005 hingga saat ini. - Wakil ketua Majelis Ekonomi PP Muhammadiyah. - Dewan Pakar Masyarakat Ekonomi Syariah Pusat. - Ketua Ikatan Cendikiawan Muslim Indonesia. - Wakil Ketua Majelis Pendidikan Tinggi, Penelitian, dan Pengembangan PP Muhammadiyah - Doctoral Degree from the Economic Faculty of Gadjah Mada University (FE UGM). - Professor and Rector of the Muhammadiyah University of Solo since 2005 to present. - Vice Chairman of Economic Assembly of Muhammadiyah Central Leadership. - Board of Central Sharia Economy Community Expert. - Chairman of Indonesian Association of Muslim Intellectuals. - Vice Chairman of the Council of Higher Education, Research and Development of Muhammadiyah Syofiadi

- Satuan Kerja Audit Intern PT. Bank Bukopin, Tbk., selama 6 Tahun. - Lama bertugas sebagai Manajer Pelayanan Operasi di cabang cabang Bank Bukopin. - Pernah mengikuti Program Akuntansi Bank I tahun 1992. - Sertifikasi Manajemen Risiko Level II. - Pendidikan Dasar Perbankan Syariah di LPPI. - Internal Audit Task Force of PT. Bank Bukopin, Tbk., for 6 years. - Served as Operational Service Manager in Bank Bukopin’s branch offices. - Participated in Bank Accounting Program I in 1992. - Level II Risk Management Certification. - Basic Sharia Banking Education in Indonesian Banking Development Institute (LPPI).

Dadang Edi Djumana - Merintis karir selama 38 (tiga puluh delapan) Tahun di Perum Bulog. - Pernah bertugas di Inspektorat Pembantu Pengawasan Keuangan C Pemeriksa BULOG. - Pernah mengikuti kursus Dasar-dasar Akuntasi di LM UI. - Analis Pemeriksaan di LM UI. - Pengawas Keuangan Negara di Departemen Keuangan. - Mengikuti Dasar-dasar Pemeriksaan di STAN. - Pengawasan Operasional di STAN. - Pendidikan Dasar Perbankan Syariah di LPPI. - Built a career for 38 (thirty eight) years in Public Enterprise Logistics Agency (PerumBulog). - Served as Assistant Inspector of C Financial Supervision of BULOG Investigator. - Participated in Basic Accounting Course in Management Institution of University of Indonesia (LM UI). - Inspection Analyst in Management Institution of University of Indonesia (LM UI). - State Financial Supervisor in Finance in the Finance Department. - Participated in Basic Investigation in Indonesian State College of Accountancy (STAN). - Operations Supervising in Indonesian State College of Accountancy (STAN). - Basic Education of Sharia Banking in Indonesian Banking Development Institute (LPPI).

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Independensi Komite Audit Berdasarkan Pedoman GCG Bank Bab I Pendahuluan, dinyatakan bahwa Pihak Independen adalah pihak di luar Bank yang tidak memiliki hubungan keuangan, kepengurusan, kepemilikan saham, dan/atau hubungan keluarga dengan Dewan Komisaris, Direksi dan/atau pemegang saham pengendali atau hubungan lain yang dapat mempengaruhi kemampuannya untuk bertindak independen. Seluruh pihak independen Anggota Komite Audit, yaitu: 1. Syofiadi 2. Dadang Edi Djumana

Independence of Audit Committee Based on the Bank’s Good Corporate Governance Guidelines Chapter 1 Foreword, it is stated that Independent Party is an external party of the Bank that doesn’t have any financial, management, share ownership, and/or family relationship with the Board of Commissioners, Board of Directors, and/or controlling shareholders or other relationship that can affect its ability to be independent. The entire independent party member of Audit Committee are: 1. Syofiadi 2. Dadang Edi Djumana

Tugas dan Tanggung Jawab Komite Audit Berdasarkan Piagam GCG Bank Bab II Poin C, dinyatakan bahwa tugas dan tanggung jawab Komite Audit adalah melakukan koordinasi dengan Kantor Akuntan Publik dalam rangka efektifitas pelaksanaan audit ekstern. Komite Audit memberikan rekomendasikan mengenai penunjukan Akuntan Publik dan Kantor Akuntan Publik kepada Dewan Komisaris.

Duties and Responsibilities of the Audit Committee Based on the Bank’s Good Corporate Governance Charter Chapter II Point C, it is stated that the duties and responsibilities of the Audit Committee is to coordinate with Public Accounting Firm for the effectiveness of external audit implementation. Audit Committee gives recommendation regarding the appointment of Public Accountant and Public Accounting Firm to the Board of Commissioners.

Dalam rangka melaksanakan tugas dan tanggung jawab komite Audit melakukan evaluasi, meliputi: 1. Pelaksanaan tugas yang dilaksanakan fungsi audit intern; 2. Pelaksanaan tindak lanjut oleh Direksi atas hasil temuan audit dan/atau rekomendasi dari hasil pengawasan Bank Indonesia, auditor intern, Dewan Pengawas Syariah, dan/atau auditor ekstern guna memberikan rekomendasi kepada Dewan Komisaris;

In order to implement its duties and responsibilities, the Audit Committee conduct evaluation, including: 1. Duties implementation in accordance with the function of the internal audit; 2. Implementation of follow-up by the Board of Directors on the audit findings and/or recommendation from Bank Indonesia’s monitoring result, internal auditor, Sharia Supervisory Board, and/or external auditor in order to give recommendation to the Board of Commissioners; 3. Conformity of audit implementation conducted by the Public Accounting Firm with existing audit standards; 4. Conformity of financial report with existing accounting standards; and 5. Implementation of follow-up by the Board of Directors on the findings of Internal Audit Task Force, Public Accounting, supervisory result of Bank Indonesia.

3. Kesesuaian pelaksanaan audit oleh Kantor Akuntan Publik (KAP) dengan standar audit yang berlaku; 4. Kesesuaian laporan keuangan dengan standar akuntansi yang berlaku; dan 5. Pelaksanaan tindak lanjut oleh Direksi atas hasil temuan SKAI, Akuntan Publik, dan hasil pengawasan Bank Indonesia.

Kegiatan Komite Audit pada 2016 Merujuk sampel risalah rapat Komite Audit Semester I tahun 2016, Komite Audit melakukan aktivitas pemantauan dan mengevaluasi pelaksanaan audit dengan mengadakan rapat secara rutin dengan SKAI untuk membahas hasil laporan SKAI dan memantau tindak lanjut hasil audit dalam rangka menilai kecukupan pengendalian intern termasuk kecukupan proses pelaporan keuangan hal tersebut di antaranya terdokumentasi pada risalah-risalah rapat.

Audit Committee Activities in 2016 Referring to samples from the minutes of meeting of the Audit Committee from the First Semester of 2016, the Audit Committee conducted monitoring and evaluating audit implementation by holding meetings regularly with the Internal Audit Tasks Force and monitor the follow-up of audit results in order to assess the adequacy of internal control, including the adequacy of financial reporting process which among others is documented in the minutes of meetings.

Sepanjang 2016, Komite Audit telah mengadakan rapat sebanyak 12 (dua belas) kali, dan dihadiri oleh seluruh

Throughout 2016, the Audit Committee has held as much as 12 (twelve) meetings that are attended by


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anggota, atau 100% (seratus persen) kehadiran. Berikut ini rapat yang diadakan pada 2016, sebagai berikut: l 18 Januari 2016; pembahasan Laporan hasil

pemeriksaan SKAI periode November 2015. l 15 Februari 2016; pembahasan Laporan hasil

pemeriksaan SKAI periode Desember 2015. l 15 Maret 2016; pembahasan Laporan hasil

pemeriksaan SKAI periode Januari 2016. l 13 April 2016; pembahasan Laporan hasil

pemeriksaan SKAI periode Februari 2016. l 17 Mei 2016; pembahasan Laporan hasil pemeriksaan

SKAI periode Maret 2016 dan Follow up hasil pemeriksaan triwulan I 2016. l 14 Juni 2016; pembahasan Laporan hasil pemeriksaan

SKAI periode April 2016. l 21 Juli 2016; pembahasan Laporan hasil pemeriksaan

SKAI periode Mei 2016. l 16 Agustus 2016; pembahasan Laporan hasil

pemeriksaan SKAI periode Juni 2016 dan follow up Laporan Hasil Pemeriksaan SKAI triwulan II (April, Mei, Juni) tahun 2016. l 13 September 2016; pembahasan Laporan hasil

pemeriksaan SKAI periode Juli 2016. l 24 Oktober 2016; pembahasan Laporan hasil

pemeriksaan SKAI periode Agustus 2016. l 10 November 2016; pembahasan Laporan hasil

pemeriksaan SKAI periode September 2016. l 13 Desember 2016; pembahasan Laporan hasil

pemeriksaan SKAI periode Oktober 2016.

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their entire member, or 100% (one hundred percent) attendance. The meetings that were held in 2016 are as follows: l January 18, 2016; discussing the report of examination result from Internal Audit Tasks Force for the period of November 2015. l February 15, 2016; discussing the report of examination result from Internal Audit Tasks Force for the period of December 2015. l March 15, 2016; discussing the report of examination result from Internal Audit Tasks Force for the period of January 2016. l April 13, 2016; discussing the report of examination result from Internal Audit Tasks Force for the period of February 2016. l May 17,2016; discussing the report of examination result from Internal Audit Tasks Force for the period of March 2016 and follow-up on examination result of the First Quarter of 2016 l June 14, 2016; discussing the report of examination result from Internal Audit Tasks Force for the period of April 2016. l July 21, 2016; discussing the report of examination result from Internal Audit Tasks Force for the period of May 2016. l August 16, 2016; discussing the report of examination result from Internal Audit Tasks Force for the period of June 2016 and follow-up on examination result of the Second Quarter (April, May, June) of 2016. l September 13, 2016; discussing the report of examination result from Internal Audit Tasks Foce for the period of July 2016. l October 24, 2016; discussing the report of examination result from Internal Audit Tasks Force for the period of August 2016. l November 10, 2016; discussing the report of examination result from Internal Audit Tasks Force for the period of September 2016. l December 13, 2016; discussing the report of examination result from Internal Audit Tasks Force for the period of October 2016.

Komite Remunerasi dan Nominasi

Remuneration and Nomination Committee

Dasar acuan pembentukan Komite Remunerasi dan Nominasi pada Perseroan adalah PBI No.11/33/PBI/2009 tentang Pelaksanaan Good Corporate Governance bagi Bank Umum Syariah dan Unit Usaha Syariah, dan Surat Edaran BI (SEBI) No.12/13/DPbS tanggal 30 April 2010 tentang Pelaksanaan Good Corporate Governance bagi Bank Umum Syariah dan Unit Usaha Syariah. Serta, Peraturan OJK No. 8/POJK.03/2014 tanggal 13 Juni 2014, tentang Penilaian Tingkat Kesehatan Bank Umum Syariah

Base of reference for the establishment of the Remuneration and Nomination Committee in the Company is Bank Indonesia Regulation Number 11/33/ PBI/2009 regarding the Implementation of Good Corporate Governance for Sharia Commercial Banks and Sharia Business Unit and Circular Letter of Bank Indonesia Number 12/13/DPbS dated on April 30, 2010 regarding the Implementation of Good Corporate Governance for Sharia Commercial Banks and Sharia Business Unit. As


dan Unit Usaha Syariah dan Surat Edaran Otoritas Jasa Keuangan (SEOJK) Nomor 10/SEOJK.03/2014 tanggal 14 Juni 2014 tentang Penilaian Tingkat Kesehatan Bank Umum Syariah dan Unit Usaha Syariah.

well as Regulation of Financial Services Authority Number 8/POJK.03/2014 dated June 13, 2014, regarding the Assesment of Health Level of Sharia Commercial Bank and Sharia Business Unit dan Circular Letter Financial Services Authority Number 10/SEOJK.03/2014 dated June 14, 2014 regarding Rating of Sharia Commercial Bank and Sharia Business Unit

Susunan dan Kualifikasi Pendidikan

Composition and Qualifications of Education

Nama/Name

Hajriyanto Y. Thohari Bambang Setiaji Rismarini

Jabatan/Position Ketua/Chairman Anggota/Member Anggota/Member

Persetujuan/Approval Surat Keputusan Direksi Nomor 178/Skep-DIR/ BSB-JKT/XI/2012 tanggal 23 November 2012

Nama/Name Kualifikasi/Qualification HAJRIYANTO Y. THOHARI Komisaris Independen Independent Commissioner

"Usia 56 tahun lahir di Karang Anyar, lulusan Doktor Antropologi Universitas Indonesia. Menjabat sebagai Komisaris Independen sejak September 2008 sebelumnya menjabat Komisaris sejak 2001, berkarir di Legislatif sebagai anggota DPR-MPR selama 4 periode sejak tahun 1997 dan beliau menjabat sebagai Wakil Ketua MPR RI periode 2009 – 2014." "Is 56 years old and was born in Karang Anyar, a graduate of Masters of Anthropology of University of Indonesia. Served as Independent Commissioner since September 2008 and previously served as Commissioner since 2001, built a career in Legislative as a member of People’s Consultative Assembly and People’s Representative Council for 4 periods since 1997 and served as Vice Chairman of People’s Consultative Assembly for the period of 2009-2014." BAMBANG SETIAJI Komisaris Independen Independent Commissioner

"Usia 60 tahun lahir di Pacitan, Doktor Ekonomi Universitas Gadjah Mada Yogyakarta. Menjabat sebagai Komisaris Independen sejak Maret 2008, sebelumnya menjabat Komisaris sejak 2006, saat ini beliau menjabat sebagai Rektor Universitas Muhammadiyah Surakarta, Ketua Masyarakat Ekonomi Syariah (MES) Surakarta, Wakil Ketua Majelis Pemberdayaan Masyarakat (MPM) Pimpinan Pusat Muhammadiyah, dan - Wakil Ketua Majelis Pendidikan Tinggi, Penelitian, dan Pengembangan PP Muhammadiyah." "Is 60 years old and was born in Pacitan. Masters in Economics Degree of University of Gadjah Mada, Yogyakarta. Served as Independent Commissioner since March 2008 and previously served as Commissioner since 2006. Currently, he served as Rector of Muhammadiyah University of Surakarta, Chairman of Islamic Economic Society (MES) of Surakarta, Vice Chairman of Community Empowerment Council (MPM) Central Leadership of Muhammadiyah, and Vice Chairman Assembly of Higher Education, Research, and Development PP Muhammadiyah." Rismarini "Lahir di Rumbai, Pekanbaru, pada 27 September 1964. Beliau merupakan penyandang Anggota Sarjana Psikologi dari Fakultas Psikologi Universitas Indonesia (UI). Memiliki Member pengalaman bekerja di Bank Bali, Bank Permata dan beberapa Konsultan Sumber Daya Manusia (SDM), serta sebagai opening team di sebuah rumah sakit. Menjabat sebagai Anggota Komite Remunerasi dan Nominasi sejak 2009 dan merupakan Pejabat Eksekutif yang membawahi Divisi Sumber Daya Insani (SDI) pada Perseroan." Was born in Rumbai, Pekanbaru, in September 27, 1964. She has a Bachelor Degree in Psychology from the Faculty of Psychology of University of Indonesia. Has working experience in Bank Bali, Bank Permata, and Human Resources Consultant, as well as opening team of a hospital. Served as a member of Remuneration and Nomination Committee since 2009 and is an Executive Officer that supervise the Human Resources Division in the Company."

Independensi Komite Remunerasi dan Nominasi pada Perseroan selalu menjaga independensi dalam melaksanakan tugas dan tanggung jawab. Independensi Komite Remunerasi dan

Independence The Remuneration and Nomination Committee of the Company always maintain its independence in implementing its duties and responsibilities. The


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Nominasi pada Perseroan tercermin pada hal-hal, antara lain: l Pengangkatan Ketua Komite Remunerasi dan Nominasi yang berasal dari Komisaris Independen Perseroan; l Tidak ada anggota Direksi yang menjadi anggota Komite Remunerasi dan Nominasi; l Dan mayoritas anggota Dewan Komisaris yang

menjadi anggota Komite Remunerasi dan Nominasi merupakan Komisaris Independen.

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independence of Remuneration and Nomination Committee is reflected in several matters, such as: l The appointment of the Chairman of the Remuneration and Nomination Committee that came from the Company’s Independent Commissioner; l There are no member of the Board of Directors that became a member of the Remuneration and Nomination Committee; l And the majority of members of the Board of Commissioners that became members of the Remuneration and Nomination Committee are Independent Commissioners.

Tugas dan Tanggung jawab Komite Remunerasi dan Nominasi memiliki tugas dan tanggung jawab, sebagai berikut:

Duties and Responsibilities The Remuneration and Nomination Committee has duties and responsibilities as follows:

Terkait dengan kebijakan remunerasi 1. Melakukan evaluasi terhadap kebijakan remunerasi. 2. Memberikan rekomendasi kepada Dewan Komisaris mengenai, - Kebijakan remunerasi bagi Dewan Komisaris dan Direksi untuk disampaikan kepada Rapat Umum Pemegang Saham. - Kebijakan remunerasi bagi pejabat eksekutif dan pegawai secara keseluruhan untuk disampaikan kepada Direksi.

Related to the remuneration policies 1. Conduct evaluation towards the remuneration policies. 2. Give recommendation to the Board of Commissioners about, - Remuneration policies for the Board of Commissioners and Board of Directors to be delivered to General Meeting of Shareholders. - Remuneration policies for executive officers and employee in general to be delivered to the Board of Directors.

Terkait dengan kebijakan nominasi 1. Menyusun dan memberikan rekomendasi mengenai sistem serta prosedur pemilihan dan/atau penggantian anggota Dewan Komisaris dan Direksi kepada Dewan Komisaris untuk disampaikan untuk disampaikan kepada Rapat Umum Pemegang Saham. 2. Memberikan rekomendasi mengenai calon anggota Dewan Komisaris dan/atau Direksi kepada Dewan Komisaris untuk disampaikan kepada Rapat Umum Pemegang Saham. 3. Memberikan rekomendasi mengenai pihak independen yang akan menjadi anggota komite sebagaimana dimaksud pasal 38 ayat (1) huruf b dan huruf c, pasal 39 ayat (1) huruf b dan huruf c kepada Dewan Komisaris. Komite Remunerasi dan Nominasi wajib memastikan bahwa kebijakan remunerasi paling kurang sesuai dengan : a. Kinerja keuangan dan pemenuhan cadangan sebagaimana diatur dalam peraturan perundangundangan yang berlaku; b. Prestasi kerja individual; c. Kewajaran dengan peer group; dan d. Pertimbangan sasaran dan strategi jangka panjang Perseroan.

Related to the nomination policies 1. Compose and give recommendation about election system and procedures and/or replacement of Board of Commissioners and Board of Directors members to the Board of Commissioners to be delivered to General Meeting of Shareholders. 2. Give recommendation regarding the member candidate of Board of Commissioners and/or Board of Directors to the Board of Commissioners to be delivered to General Meeting of Shareholders. 3. Give recommendation regarding independent parties that will be committee members as mentioned in the Article 38 clause (1) letter be and letter c to the Board of Commissioners. The Remuneration and Nomination Committee is obligated to ensure that the remuneration policy is at least in accordance with: a. Financial performance and fulfillment of reserves as stipulated in existing rules and regulation;


b. Individual work achievement; c. Fairness with the peer group; and d. Consideration on the Company’s long term target and strategy.

Kegiatan pada 2016 Sepanjang 2016, Komite Remunerasi dan Nominasi melakukan kegiatan, sebagai berikut: Mengusulkan dan memberikan rekomendasi remunerasi dari Dewan Komisaris, Direksi, dan Dewan Pengawas Syariah.

Activities in 2016 Throughout 2016, the Remuneration and Nomination Committee performed several an activities, such as: Propose and give recommendation for remuneration from the Board of Commissioners, the Board of Directors, and Sharia Supervisory Board.

Frekuensi Rapat

Frequency of Meeting

FREkuensi Rapat Komite Remunerasi dan Nominasi Meeting Frequency of the Remuneration and Nomination Committee Nama/Name Jabatan/Position


Hajriyanto Y. Thohari Ketua/Komisaris Independen/ 1 Chairman/Independent Commissioner Bambang Setiaji Anggota/Komisaris Independen/ 1 Member/Independent Commissioner Rismarini Anggota/Member 1

1 1 1

Pernyataan Adanya Pedoman Komite Remunerasi dan Nominasi Perseroan memiliki pedoman Komite/Fungsi Remunerasi dan Nominasi yang disesuaikan dengan ketentuan dan peraturan perundang-undangan yang berlaku.

Statement of Remuneration and Nomination Committee Guidelines The Company has guidelines of Remuneration and Nomination Committee/Function which is adjusted with applicable rules and regulations.

Kebijakan Mengenai Suksesi Direksi

Policy Regarding the Succession of the Board of Directors Policy regarding the succession of the members of Board of Directors in the Company is regulated in Guidelines and Code of Conduct of Remuneration and Nomination Committee which are responsible for planning the succession of the Board of Directors. This is done to maintain the continuity of leadership in the future.

Kebijakan mengenai suksesi anggota Direksi pada Perseroan diatur dalam pedoman dan Tata Tertib Komite Remunerasi dan Nominasi yang memiliki tanggung jawab dalam perencanaan suksesi Direksi. Hal ini dilakukan guna menjaga kesinambungan kepemimpinan pada masa mendatang. Secara internal, Perseroan memiliki kebijakan yang sesuai dan diselaraskan PBI No.14/6/PBI/2012 pasal 17 tentang Bank Umum Syariah yang mengatur bahwa Anggota Direksi wajib memenuhi persyaratan Integritas, Kompetensi, dan Reputasi Keuangan. Terkait pemilihan dan suksesi, Komite Remunerasi dan Nominasi melakukan hal, sebagai berikut: l Menyusun dan memberikan rekomendasi mengenai

sistem, serta prosedur pemilihan dan/atau penggantian anggota Dewan Komisaris dan Direksi kepada Dewan Komisaris untuk disampaikan kepada RUPS. l Memberikan rekomendasi mengenai calon anggota Dewan Komisaris dan/atau Direksi kepada Dewan Komisaris untuk disampaikan kepada RUPS.

Internally, the Company has policies which are in accordance and aligned with Bank Indonesia Regulation Number 14/6/PBI/2012 article 17 regarding Sharia Commercial Bank that regulated that members of the Board of Directors must fulfill the requirements of Integrity, Competency, and Financial Reputation. Regarding of the selection and succession, the Remuneration and Nomination Committee have done several things, such as: l Compose and give recommendation regarding the system and procedure of selection and/or replacement of members of the Board of Commissioners and the Board of Directors to the Board of Commissioners to be delivered in the GMS. l Give recommendation regarding the candidates of Board of Commissioners and/or Board of Directors members to the Board of Commissioners to be delivered in the GMS.


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Komite Lain di Bawah Dewan Komisaris

Other Committees Under the Board of Commissioners

Komite lain yang berada di bawah Dewan Komisaris adalah Komite Pemantau Risiko. Untuk penjelasannya, bisa dilihat pada bagian Komite Pemantau Risiko.

Other committee under the Board of Commissioners is the Risk Monitoring Committee. For the explanation, can be seen in section of the Risk Monitoring Committee.

Komite Pemantau Risiko

Risk Monitoring Committee

Dalam rangka memastikan pengelolaan risiko berjalan dengan baik dan sesuai dengan ketentuan yang ada, Perseroan memiliki Komite Pemantau Risiko. Komite ini terdiri dari 3 (tiga) orang yang terdiri dari 1 (satu) orang ketua dan 2 (dua) orang anggota.

In order to ensure that risk management is conducted properly and in accordance with existing regulation, the Company has the Risk Monitoring Committee. This committee consists of 3 (three) persons, which are 1 (one) Chairman and 2 (two) members.

Dalam menjalankan fungsi dan tugasnya komite ini memiliki independensi. Anggota Komite Pemantau Risiko diangkat sesuai Surat Keputusan Direksi No.253/SKEP-DIR/ KP-JKT/XII/2015 tentang Penunjukan Keanggotaan Komite Pemantau Risiko.

In conducting its function and duties, this committee has independence. The members of the Risk Monitoring Commitee is appointed in accordance with the Decree of the Board of Directors No.253/SKEP-DIR/KP-JKT/XII/2015 regarding the Assignment of the Membership of Risk Monitoring Committee.

Susunan keanggotaan Komite Pemantau Risiko

The membership composition of the Risk Monitoring Committee The membership composition of the Risk Monitoring Committee is as follows:

Susunan keanggotaan Komite Pemantau Risiko, sebagai berikut:

Nama/Name Kualifikasi/Qualification HAJRIYANTO Y. THOHARI Ketua/Chairman

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"Usia 56 tahun lahir di Karang Anyar, lulusan Sarjana Strata 1 (S1) Fakultas Sastra Budaya (UGM), lulusan Sarjana Strata 1 (S1) Universitas Ushuluddin (IAIN Yogyakarta), lulusan Master dan Doktor Antropologi Universitas Indonesia. Menjabat sebagai Komisaris Independen sejak September 2008 sebelumnya menjabat Komisaris sejak 2001, berkarir di Legislatif sebagai anggota DPR-MPR selama 4 periode sejak tahun 1997, beliau menjabat sebagai Wakil Ketua MPR RI periode 2009 – 2014, dan Ketua Bidang Pemberdayaan Masyarakat, Lingkungan Hidup, Penanggulangan Bencana, dan ZIS PP Muhammadiyah." "Is 56 years old and was born in Karang Anyar, Bachelor Degree from the Faculty of Culture and Literature (UGM), Bachelor Degree from the University of Ushuluddin (IAIN Yogyakarta), a graduate of Masters and Doctor of Anthropology of University of Indonesia. Served as Independent Commissioner since September 2008 and previously served as Commissioner since 2001, built a career in Legislative as a member of People’s Consultative Assembly and People’s Representative Council for 4 periods since 1997, served as Vice Chairman of People’s Consultative Assembly for the period of 2009-2014, and Chairman of the Areas of Community Development, the Environment, Disaster, Management, and ZIZ PP Muhammadiyah"

Nama/Name Kualifikasi/Qualification EDDY CAHYONO Anggota Member

FURKON FIRDAUS Anggota Member

"Sarjana Strata Satu (S1) Fakultas Ekonomi Perusahaan (Universitas Sebelas Maret), S2 Magister Management (STIE TRIANANDRA). Bp. Eddy mengawali karir bekerja di PT. Bank Bukopin, Tbk sejak tahun 1986. Selama di PT. Bank Bukopin, Tbk., Beliau sudah menduduki beberapa jabatan seperi Account Officer, Pemimpin Cabang di berbagai daerah, Kadiv. Penyelesaian Kredit, Group Head line of bisnis, Group Head Bisnis Area IJakarta, GM Area IV dan terakhir sebelum pensiun menjabat sebagai GM Area III. Dalam bidang manajemen risiko telah memiliki sertifikasi level 1, 2, 3, 4 (BSMR dan GARP) serta level 5 (LSPP)." "Bachelor Degree from the Faculty of Corporate Economics (Sebelas Maret University), Master Degree from Magister Management (STIE Trianandra). He started his career by working in PT. Bank Bukopin, Tbk since 1986. During his career in PT. Bank Bukopin, Tbk., he served in various position, such as Account Officer, Head of Branch in various regions, Head of Credit Settlement Division, Group Head Line of Business, Group Head of Business Area I-Jakarta, General Manager of Area IV, and most recently before retirement as General Manager of Area III. In the field of risk management, he has certification of level 1, 2, 3, 4 (Risk Management Certification Program (BSMR)) and Global Association of Risk Professionals) and level 5 (Banking Professional Certification Institute (LSPP))." "Sarjana Strata satu (S1) Sekolah Tinggi Ilmu Manajemen Swadaya. Beliau mulai berkarir di PT. Bank Bukopin, Tbk sejak tahun 1986 pada Divisi Operasional. Selama di PT. Bank Bukopin, Tbk., Beliau telah menjabat di beberapa bagian seperti Kabag Sundries, Pimcapem, Manajer Operasional, SKAI, Manajer Kepatuhan dan terakhir sebelum pensiun menjabat sebagai Manajer Operasional Bank Bukopin Cabang Palembang. Dalam bidang Manajemen Risiko, memiliki sertifikasi Manajemen Risiko Level 1, 2 dan 3 (BSMR)." "Bachelor Degree of Swadaya Academy of Management. He started his career in PT. Bank Bukopin since 1986 in the Operations Division. Throughout his time in PT. Bank Bukopin, Tbk., he served in various positions such as Head of Sundries Division, Head of Sub Branch Office,Operational Manager, Internal Audit Tasks Force, Compliance Manager, and the most recent position before retirement is the Operational Manager of Palembang Branch. In the field of Risk Management, he already has Risk Managemet certification level 1, 2, and 3 (Risk Management Certification Program (BSMR))."

FREkuensi Rapat KOMITE PEMANTAU RISIKO Frequency of Meeting Risk Monitoring Committee Nama/Name Jabatan/Position Hajriyanto Y. Thohari Eddy Cahyono Furkon Firdaus


Ketua/Chairman 12 12 Anggota/Member 12 12 Anggota/Member 12 12

Independensi Komite Pemantau Risiko Independensi anggota Komite Pemantau Risiko telah sesuai dengan Pedoman Good Corporate Governance (GCG), yaitu dinyatakan bahwa Pihak Independen adalah pihak di luar Perseroan yang tidak memiliki hubungan keuangan, kepengurusan, kepemilikan saham, dan/atau hubungan keluarga dengan Dewan Komisaris, Direksi dan/atau pemegang saham pengendali, atau hubungan lain yang dapat mempengaruhi kemampuan untuk independen.

Independence of the Risk Monitoring Committee The independence of the Risk Monitoring Committee is in accordance with the guidelines of Good Corporate Governance (GCG), which is stated that Independent Party is an external party of the Company that has no financial, management, share ownership, and/or family relations with the Board of Commissioners, the Board of Directors, and/or controlling shareholders, or other relations that might affect the ability to be independent.

Tugas dan Tanggung Jawab Komite Pemantau Risiko Tugas dan tanggung jawab Komite Pemantau Risiko tertuang dalam Pedoman Manajemen Risiko, sebagai berikut:

Duties and Responsibilities of the Risk Monitoring Committee Duties and responsibilities of the Risk Monitoring Committee is outlined in the Risk Management Guidelines, as follows:


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1. Komite Pemantau Risiko bertugas membantu Dewan Komisaris dalam menjalankan fungsi pengawasan aktif terhadap Direksi dalam mengelola Perseroan; 2. Wewenang dan tanggung jawab Komite Pemantau Risiko adalah: l Melakukan evaluasi tentang kebijakan manajemen risiko. l Melakukan evaluasi tentang kesesuaian antara kebijakan manajemen risiko dengan pelaksanaan kebijakan tersebut. l Pemantauan dan evaluasi pelaksanaan tugas Komite Manajemen Risiko dan Satuan Kerja Manajemen Risiko, guna memberikan rekomendasi kepada Dewan Komisaris.

1. Risk Monitoring Committee is in charge to help the Board of Commissioners in managing the Company;

Kegiatan pada 2016 Sepanjang 2016, Komite Pemantau Risiko melakukan kegiatan rapat sebanyak 12 (dua belas) kali. Setiap pelaksanaan rapat selalu dihadiri seluruh anggota komite. Pembahasan diawali dengan pemaparan profil risiko bulanan maupun triwulanan. Berdasarkan pemaparan tersebut, anggota Komite dapat memberikan tanggapan dan masukan, serta membuat beberapa kesimpulan yang akan menjadi materi pembahasan pada rapat Dewan Komisaris. Berikut adalah rincian pelaksanaan rapat Komite Pemantau Risiko selama 2016 :

Activities in 2016 Throughout 2016, Risk Management Committee have conduct meetings for as much as 12 (twelve) times. Each meeting are always attended by the entire member of the committee. Discussion begins with a review of monthly or quarterly risk profile. Based on this review, the members of the Committee can give feedback and input, as well as making several conclusions that will be a material of discussion in the Board of Commissioners’ meeting. Below are some implementation details of the Risk Monitoring Committee meeting throughout 2016:

No

2. Authority and responsibilities of the Risk Monitoring Committee are: l Evaluate the risk management policies. l Conduct evaluation on the conformity

between risk management policies with the implementation of those policies. l Monitor and evaluate the implementation of the duties of Risk Management Committee and the Risk Management Working Unit in order to give recommendation to the Board of Commissioners.

Hari, Tanggal/Day, Date Agenda/Agenda

1 Senin, 18 Januari 2016 Pembahasan Laporan Profil Risiko Bulan Desember 2015 Monday, January 18, 2016 Discussing the Risk Profile Report for the month of December 2015 2 Senin, 15 Februari 2016 Pembahasan Laporan Profil Risiko Bulan Januari 2016 dan Profil Risiko Triwulan IV Tahun 2015 Monday, February 15, 2016 Discussing the Risk Profile Report for the month of January 2016 and the Fourth Quarterly Report of Risk Profile for the year of 2015 3 Selasa, 15 Maret 2016 Pembahasan Laporan Profil Risiko Bulan Februari 2016 Tuesday, March 15, 2016 Discussing the Risk Profile Report for the month of February 2016 4 Rabu, 13 April 2016 Pembahasan Laporan Profil Risiko Bulan Maret 2016 Wednesday, April 13, 2016 Discussing the Risk Profile Report for the month of March 2016 5 Selasa, 17 Mei 2016 Pembahasan Laporan Profil Risiko Bulan April 2016 Tuesday, May 17, 2016 Discussing the Risk Profile Report for the month of April 2016 6 Senin, 20 Juni 2016 Pembahasan Laporan Profil Risiko Bulan Mei 2016 Monday, June 20, 2016 Discussing the Risk Profile Report for the month of May 2016 7 Kamis, 21 Juli 2016 Pembahasan Laporan Profil Risiko Bulan Juni 2016 dan Profil Risiko Triwulan II Tahun 2016 Thursday, July 21, 2016 Discussing the Risk Profile Report for the month of June 2016 and the Second Quarterly Report of Risk Profile for the Year of 2016 8 Senin, 15 Agustus 2016 Pembahasan Laporan Profil Risiko Bulan Juli 2016 Monday, August 15, 2016 Discussing the Risk Profile Report for the month of July 2016 9 Selasa, 27 September 2016 Pembahasan Laporan Profil Risiko Bulan Agustus 2016 Tuesday, September 27, 2016 Discussing the Risk Profile Report for the month of August 2016 10 Selasa, 20 Oktober 2016 Pembahasan Laporan Profil Risiko Bulan September 2016 dan Risiko Triwulan III Tahun 2016 Tuesday, October 20, 2016 Discussing the Risk Profile Report for the month of September 2016 and the Third Quarterly Report of Risk Profile for the Year of 2016 11 Selasa, 22 November 2016 Pembahasan Profil Risiko Posisi Oktober 2016 Tuesday, November 22, 2016 Discussing the Risk Profile Report for the month of October 2016 12 Selasa, 20 Desember 2016 Pembahasan Profil Risiko Posisi November 2016 Tuesday, December 20, 2016 Discussing the Risk Profile Report for the month of November 2016

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Uraian Tugas dan Fungsi Sekretaris Perusahaan

Review on the DUTIES and Function of Corporate Secretary

Profil Singkat Sekretaris Perusahaan Nama: Evi Yulia Kurniawati Warga negara Indonesia, berusia 42 Tahun. Menjabat sebagai Kepala Sekretaris Perusahaan sejak Desember 2009 melalui Surat Keputusan No. 122/SKEP-DIR/BSB-JKT/ XII/2009 tanggal 28 Desember 2009. Meraih gelar Sarjana Ekonomi di Universitas Sebelas Maret Surakarta pada tahun 1998.

Brief Profile of the Corporate Secretary Name : Evi Yulia Kurniawati Indonesian citizen, aged 42 years old. Served as the Head of Corporate Secretary since December 2009 through the Decree Number 122/SKEP-DIR/BSB-JKT/XII/2009 dated December 28, 2009. She achieved a Bachelor of Economics degree from the University of Sebelas Maret Surakarta on 1998.

Sempat berkarier di bidang media sejak 1999 sebagai reporter dan asisten redaktur. Serta, pernah bekerja di perusahaan public relation (PR) sebagai konsultan media dan media relation manager.

She had a career in media since 1999 as a reporter and assistant editor. She also worked in a public relation (PR) company as media consultant and media relation manager.

Fungsi Sekretaris Perusahaan Sekretaris Perusahaan memiliki fungsi, sebagai berikut: 1. Komunikasi Perusahaan dan CSR

Function of Corporate Secretary The Corporate Secretary has functions as follows: 1. Corporate Communication and Corporate Social Responsibility In its communication function, the Corporate Secretary ensure the fluency of communication between the company and the stakeholders, as well as guarantee the availability of information that may be accessed by the stakeholders in accordance with the fair needs of the stakeholders. Furthermore, the social function of the Company in Corporate Secretary has responsibility to perform the Company’s responsibility towards its surrounding or Corporate Social Responsibility (CSR) by performing several programs that involved the community.

Pada fungsi komunikasi, Sekretaris Perusahaan memastikan kelancaran komunikasi antara perusahaan dengan pemangku kepentingan, serta menjamin tersedianya informasi yang boleh diakses oleh stakeholders sesuai dengan kebutuhan yang wajar dari stakeholders. Selanjutnya, fungsi sosial Perusahaan dalam Sekretaris Perusahaan memiliki tanggung jawab untuk menjalankan tanggung jawab perusahaan terhadap lingkungan sekitar atau Corporate Social Responsibility (CSR) dengan melaksanakan beberapa program yang mengikutsertakan masyarakat.

2. Kesekretariatan, Pelaporan dan Protokoler Sekretaris Perusahaan memiliki fungsi dalam penatalaksanaan office of the board yang mencakup pemastian ketersediaan informasi dalam pengambilan keputusan oleh Dewan Komisaris dan Direksi, dan pengadministrasian surat-surat, serta informasiinformasi yang dibutuhkan Dewan Komisaris dan Direksi. Dalam Kesekretariatan terdapat fungsi pelaporan untuk menjalankan fungsi government relations yang bertujuan untuk menciptakan dan memelihara goodwill perusahaan di mata regulator dalam ketepatan pengurusan perizinan/pelaporan terhadap regulator. Sementara itu, untuk fungsi keprotokoleran dalam Sekretaris Perusahaan, yaitu: a. Memberikan pelayanan keprotokoleran dan mengatur acara-acara yang bersifat resmi yang dihadiri oleh Direksi; b. Mengatur tata aturan dalam acara-acara resmi dan acara Perseroan;

2. Secretarial, Reporting, and Protocols Corporate Secretary has a function in the office of the board management which include ensuring the availability of information in decision taking done by the Board of Commissioners and the Board of Directors, letters administrating, and information which are needed by the Board of Commissioners and the Board of Directors. In the Secretarial, there is a reporting function to conduct the government relations function which aim to create and maintain the goodwill of the Company in the eye of the regulator regarding the accuracy of licensing/ reporting management towards the regulator. Meanwhile, the protocol function of the Corporate Secretary are as follows: a. Provide protocol services and manage official events which are attended by the Board of Directors; b. Compose rules and regulations in the official events and the Company event;


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c. Mengatur tata cara dan tata krama dalam penempatan, penyebutan, memperlakukan seseorang sesuai dengan kedudukan/jabatannya; d. Mengatur tata letak tempat duduk Direksi dalam acara-acara resmi; e. Mengatur penyerahan surat-surat penting dan rahasia Direksi dan Dewan Komisaris. 3. Legal Hukum Perusahaan dan Arsip Fungsi legal dalam Sekretaris Perusahaan adalah untuk menjalankan fungsi kepatuhan (compliance) Perusahaan terhadap peraturan atau regulasi yang merupakan fondasi penting good corporate governance dan meminimalisasi risiko hukum perusahaan melalui upaya pemenuhan semua aspek hukum perusahaan. Sedangkan, pada fungsi arsip, Sekretaris Perusahaan sebagai pengadministrasian pelaksanaan dan pendokumentasian keputusan rapat dan dokumen penting lainnya. Hal ini akan memudahkan Sekretaris Perusahaan dalam melaksanakan fungsinya sebagai liaison person. 4. Lainnya Selain fungsi diatas, Sekretaris Perusahaan juga melaksanakan fungsi lain yang diberikan Direksi atau Kepala Sekretaris Perusahaan secara langsung.

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c. Arrange procedures and manners in the placement, mentions, and treatment of someone in accordance to their status/position; d. Arrange seating layout of the Board of Directors in official events; e. Arrange delivery of important and confidential documents of the Board of Directors and the Board of Commissioners. 3. Corporate Legal and Archives Legal function in the Corporate Secretary is to perform the Company’s compliance function towards rules or regulations which are important foundation of good corporate governance and to minimize the Company’s legal risk through the effort of fulfilling all of the Company’s legal aspect. Meanwhile, in the archives function, Corporate Secretary as the administrator of implementation and documentation of meetings decisions and other important documents. This will facilitate the Corporate Secretary in performing its function as liaison person. 4. Others Other than the functions mentioned above, Corporate Secretary also perform other functions that were given directly by the Board of Directors or the Head of Corporate Secretary.

Tugas dan Tanggung Jawab Sekretaris Perusahaan Sekretaris Perusahaan pada Perseroan memiliki tugas dan tanggung jawab, sebagai berikut:

Duties and Responsibilities of the Corporate Secretary Corporate Secretary in the Company have duties and responsibilities as follows:

1. Sebagai koordinator kegiatan pengelolaan dan pengembangan sistem informasi manajemen, termasuk penyebarluasan informasi Perseroan melalui jaringan intranet dan internet.

1. As the coordinator of management and development activities of the management information system, including the dissemination of the Company’s information through intranet and internet network.

2. Sebagai Liaison Officer, yaitu: l Menjembatani dan/atau menjadi penghubung komunikasi eksternal, yaitu komunikasi dengan masyarakat, investor, kreditur, pemerintah maupun stakeholders lainnya, dan komunikasi internal Perseroan. Salah satu bentuk praktik investor relations adalah penyelenggaraan RUPS dan persiapan Laporan Tahunan. Pelaksanaan RUPS dan Laporan Tahunan secara legal merupakan tanggung jawab Direksi, namun Sekretaris Perusahaan sebagai kepanjangan fungsi Direksi, bertugas menyiapkan operasional pelaksanaan RUPS agar dapat berlangsung dengan baik dan menghasilkan keputusan yang diperlukan oleh Perseroan. Sekretaris Perusahaan membantu memastikan informasi material tersampaikan kepada investor pada waktu yang tepat.

2. As Liaison Officer, namely: l Bridging and/or linking external communication, such as communication with the community, investor, creditor, government, or other stakeholders, and the Company’s internal communication. One of the form of investor relation practice are the implementation of GMS and the preparation of Annual Report. The implementation of General Meeting of Shareholders and Annual Report are legally the responsibilities of the Board of Directors. However, the Corporate Secretary as an extension of the responsibilities of the Board of Directors is in charge in the operational preparation of the GMS implementation in order for it to be conducted properly and give results that are needed by the Company. Corporate Secretary helps to ensure that material information are delivered to the investors at the right time.


l Membantu pelaksanaan efektivitas kerja Direksi,

Dewan Komisaris, dan Komite-komite Dewan Komisaris, di antaranya sebagai berikut: -

Sekretaris Perusahaan membantu mempersiapkan dan mendistribusikan laporan-laporan serta bahan-bahan lainnya berkenaan dengan komunikasi dengan pemegang saham; - Sekretaris Perusahaan berperan sebagai penghubung utama antara Dewan Komisaris dengan Direksi; - Sekretaris Perusahaan membantu mempersiapkan keperluan Direksi dalam hal kunjungan ataupun tamu Direksi dari luar Perusahaan untuk memperlancar jalannya suatu kegiatan (protokoler). l Mengingatkan Dewan Komisaris dan Direksi mengenai hal-hal yang menjadi perhatian pemegang saham. l Memberikan informasi kepada Direksi dan Dewan Komisaris secara berkala apabila diminta. l Memberikan keterangan pers (press release),

antara lain mengenai kebijakan Perseroan, produk dan jasa, kinerja keuangan, serta CSR. 3. Sebagai Compliance Officer, yaitu: l Memastikan implementasi Anggaran Dasar Perseroan telah dilaksanakan dengan benar; l Mengkoordinasi atas kepatuhan di bidang hukum, administrasi, pelaporan dan komunikasi, termasuk memberikan masukan atau pertimbangan hukum dari aspek hukum kepada Direksi, berkaitan dengan operasionalisasi dan pengembangan usaha Perseroan, serta merumuskan suatu peraturan atau kebijakan; l Membuat interpretasi yang jelas tentang aplikasi dari peraturan-peraturan yang berhubungan dengan kegiatan Perseroan; l Merekomendasikan konsep perjanjian kerja sama yang akan ditandatangani oleh Direksi; l Atas persetujuan Direksi mewakili Perseroan dalam rangka menyelesaikan perselisihan hukum dengan pihak lain di dalam maupun di luar pengadilan; l Mengkoordinasikan atas kepatuhan pelaksanaan good corporate governance di lingkungan Perseroan; l Jika ada rencana go public, Sekretaris Perusahaan harus mencermati dan memahami peraturanperaturan pasar modal dan peraturan pemerintah yang berhubungan dengan aktivitas Perseroan di pasar modal; l Mencermati, mengikuti, dan memastikan bahwa Perseroan telah mematuhi terhadap ketentuan

l Help implementation of work effectiveness of the

Board of Directors, Board of Commissioners, and the Committees of the Board of Commissioners, among others are as follows: - Corporate Secretary help to prepare and distribute reports and other materials regarding communication with shareholders;

-

Corporate Secretary acts as the main link between the Board of Commissioners and the Board of Directors; - Corporate Secretary help to prepare the Board of Directors’ necessities in terms of visitation or guests of the Board of the Directors from outside of the Company to expedite the course of an activity (protocol). l Remind the Board of Commissioners and the Board of Directors regarding matters that concern the shareholders. l Give information to the Board of Directors and Board of Commissioners periodically when requested. l Give press release, among others regarding the Company’s policies, products and services, financial performance, and CSR. 3. As Compliance Officer, namely: l Ensure that the implementation of the Company’s Articles of Association is performed correctly; l Coordinate on compliance in the legal field, administration, reporting and communication, including giving input or legal consideration from the legal aspect to the Board of Directors, related to the operational and development of the Company’s business, as well as formulate rules or policies; l Make clear interpretation regarding application of regulations which are related to the Company’s activities; l Recommend a cooperation agreement concept that will be signed by the Board of Directors; l With approval from the Board of Directors, represent the Company in order to resolve legal disputes with other parties inside or outside the court; l Coordinate the compliance of good corporate governance implementation in the Company’s environment; l If there were plans to go public, the Corporate Secretary must observe and understand the basic rules of the capital market and government regulations related to the Company’s activities in the capital market; l Observe, follow, and ensure that the Company has follow the provisions of regulatory compliance.


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peraturan perundang-undangan (regulatory compliance). 4. Penyelenggara database dan penyimpanan dokumen asli dan penting Perseroan agar mudah diakses. Dokumen penting Perseroan seperti daftar pemegang saham, daftar surat berharga, berbagai risalah rapat, laporan-laporan Perseroan dapat ditempatkan di bawah pengawasan dan tanggung jawab Sekretaris Perusahaan.

4. Organizer of database and storage of original and important documents of the Company to be easily accessible. The Company’s important documents such as the register of shareholders, list of securities, various minutes of meetings, and reports of the Company can be placed under the supervision and responsibility of the Corporate Secretary.

5. Penyusunan laporan-laporan, salah satunya seperti pembuatan laporan tahunan (Annual Report) Perseroan dan menyerahkan kepada pihak-pihak terkait sesuai ketentuan yang berlaku, termasuk penempatan Laporan Tahunan tersebut di situs web Perseroan dan di kantor guna dapat diakses oleh pihak-pihak di luar Perseroan yang membutuhkannya.

5. Compiling reports, such as the production of the Company’s Annual Report and delivered it to related parties in accordance with applicable regulations, including the placement of the Annual Report in the Company’s website and in the office so that it will be accessible to other parties outside of the Company who need it.

6. Tugas Pokok Lainnya: l Mengkoordinasikan pengurusan izin-izin usaha Perseroan. l Melaksanakan kegiatan kesekretariatan Perseroan. l Menyiapkan laporan kegiatan Sekretaris Perusahaan secara benar dan tepat waktu. l Membuat kalender, majalah, gimmick (souvenir atau brosur corporate). l Tanggung jawab terhadap event-event corporate, antara lain ulang tahun Perseroan, pembukaan cabang, silaturahmi dengan manajemen dengan pihak ketiga, Ramadhan, Idul Fitri, dan media gathering.

6. Other Main Duties: l Coordinate the arrangements of the Company’s business licenses. l Conduct secretarial activities of the Company.

Kegiatan Sekretaris Perusahaan Sepanjang 2016, Sekretaris Perusahaan telah menjalankan berbagai kegiatan Perseroan, baik yang berhubungan dengan shareholder, manajemen, maupun media. Adapun kegiatan Sekretaris Perusahaan pada 2016, sebagai berikut: 1. Pembuatan Annual Report 2015. 2. Pembuatan flyer, banner, body campaign, plakat, dan souvenir. 3. Pembuatan kartu Idul Fitri , jadwal imsakiyah, pembuatan kalender. 4. Melakukan update Corporate website, akun facebook, twitter, instagram, dan youtube Perseroan. 5. Menggelar acara Buka Puasa Bersama Karyawan dan Media, Halal Bi Halal dengan karyawan, Pengajian Bersama dan Kegiatan CSR berupa pemberian santunan, Sahur On The Road, dan kegiatan I’tikaf.

Corporate Secretary Activity Throughout 2016, the Corporate Secretary has perform various activities of the Company, both related to the shareholders, management, or the media. The activities of the Corporate Secretary in 2016 are as follows:

6. Penyelenggara acara Milad Perseroan ke-8, baik Tasyakuran, Employee Gathering, rangkaian kegiatan BSB Cup dan kegiatan CSR.

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l Prepare the Corporate Secretary’s activities report

correctly and timely. l Make calender, magazine, and gimmicks

(souvenir or corporate brochures). l Responsible in corporate events, such as the

Company’s anniversary, branch opening, gathering between the management with third party, Ramadhan, Eid Al-Fitr, and media gathering.

1. Producing the 2015 Annual Report. 2. Creating flyers, banners, body campaign, plaques, and souvenirs. 3. Creating Eid al-Fitr Cards, Imsakiyah schedule, and calender-making. 4. Update the Corporate Website and the Company’s Facebook, Twitter, Instagram, and YouTube account. 5. Organizing a Break Fasting Together with the employees and the Media, Halal Bihalal event with the employees, Mass Quran Reading, and Corporate Social Responsibilities activities in the form of donation giving, Sahur on The Road, and I’tikaf activity. 6. Organizing the Company’s 8th anniversary, Tasyakuran, employee gathering, series of BSB Cup events and Corporate Social Responsibilities events.

9. Penyelenggara Investor Gathering. 10. Penyelenggara makan siang bersama editor dan jurnalis media massa. 11. Talkshow With Radio/TV. 12. Konferensi Pers. 13. Photo Captions dan Placement. 14. One of One Interview. 15. Penyelenggaraan Corporate Social Responsibility, baik Basic Program (bersifat insidentil) maupun Program Berkelanjutan seperti BOD Mengajar dan Edukasi Komunitas. 16. Kegiatan iB Vaganza/Keuangan Syariah Fair bekerjasama dengan Otoritas Jasa Keuangan dan Working Group iB Marcomm Perbankan Syariah.

7. Producing internal communication media (BSB News) periodically and updating the bulletin board. 8. Organizing the Annual General Meeting of Shareholders and the Extraordinary General Meeting of Shareholders. 9. Organizing the Investor Gathering. 10. Organizing lunch with the editor and journalists of mass media. 11. Talkshow With Radio/TV. 12. Press Conference. 13. Photo Captions and Placement. 14. One on One Interview. 15. Conducting Corporate Social Responsibilities, both Basic Program (incidental) and Sustainable Programs, such as BOD Mengajar (the Board of Directors Teach) and Edukasi Komunitas (Community Education). 16. iB Vaganza/Sharia Financial Fair in cooperation with Financial Services Authority and Working Group iB Marcomm Sharia Banking.

Program Pelatihan dan Pendidikan Kepala Sekretaris Perusahaan

Training and Education Program of the Head of Corporate Secretary

7. Pembuatan media komunikasi internal (BSB News) secara berkala dan update papan pengumuman. 8. Penyelenggara RUPS Tahunan dan RUPS Luar Biasa.

Subjek Pelatihan/Training Subject

Tanggal & Tempat/Date & Location Penyelenggara/Organizer

Workshop Sekretaris Perusahaan Mega Mendung, 8 – 9 Januari 2016 Internal Corporate Secretary Workshop Mega Mendung, January 8 – 9, 2016 Internal Corporate Secretary Internal Training Program – Jakarta, 13 April 2016 Internal Corporate Communication dalam Perspektif Media Corporate Secretary Internal Training Program – Jakarta, April 13, 2016 Internal Corporate Communication in the Perspective of the Media Corporate Secretary Internal Training Program - Jakarta, 27 April 2016 Internal Financial Analysis Corporate Secretary Internal Training Program - Jakarta, April 27, 2016 Internal Financial Analysis Corporate Secretary Internal Training Program – Jakarta, 9 Juni 2016 Internal Corporate Secretary dalam Perspektif Peraturan Corporate Secretary Internal Training Program – Jakarta, June 9, 2016 Internal Corporate Secretary in the Perspective of Regulation Corporate Secretary Internal Training Program – Jakarta, 22 Juli 2016 Internal Digital Branding Corporate Secretary Internal Training Program – Jakarta, July 22, 2016 Internal Digital Branding Workshop Sinergi Komunikasi dan Pemasaran Jakarta, 10 November 2016 Otoritas Jasa Keuangan (SiKompak) Syariah Keuangan Workshop of Communication Synergy Jakarta, November 10, 2016 Financial Services and Sharia Financial Marketing (SiKompak) Authority (OJK) Workshop iB Marcomm Solo, 24 – 26 November 2016 Otoritas Jasa Keuangan iB Marcomm Workshop Solo, November 24 – 26, 2016 Financial Services Authority (OJK) Rapat Kerja Anggaran Bogor, 14 -16 Desember 2016 Internal Budget Work Meeting Bogor, December 14 -16, 2016 Internal


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Informasi Mengenai RUPS Tahun Sebelumnya

Information Regarding GMS of The Previous Year

Berikut ini keterangan mengenai RUPS pada tahun sebelumnya dan realisasinya, sebagai berikut:

Below is the information regarding GMS of the previous year:

REAlisasi keputusan rUps tahun buku 2015 Realization of 2015 GMs Resolution Keputusan RUPS/GMS's Decision

Realisasi RUPS/GMS's Realization

Memberhentikan dengan hormat dengan ucapan terima kasih dan penghargaan atas kontribusi yang telah diberikan kepada Perseroan selama ini Tuan Insinyur Eriandi yang saat ini menjabat sebagai Direktur terhitung sejak ditutupnya Rapat Umum Pemegang Saham ini, yang akan digantikan oleh Tuan Aris Wahyudi yang jabatan terakhirnya adalah sebagai General Manager Bisnis Regional II PT. Bank Bukopin, Tbk, terhitung mulai efektif setelah adanya persetujuan uji kepatutan dan kelayakan (fit and proper test) dari Otoritas Jasa Keuangan untuk masa jabatan sampai dengan tanggal 23-09-2018 (dua puluh tiga September dua ribu delapan belas). Cordially dismiss with gratitude and recognition for the contribution that have been given to the Company all this time, Ir. Eriandi who currently serve as Director since the closure of this General Meeting of Shareholders, and he will be replaced by Mr. Aris Wahyudi who previously served as General Manager of Regional Business II PT. Bank Bukopin, Tbk, effectively starting after approval of fit and proper test from Financial Services Authority for the term of office until September 23, 2018 (Twenty third of September two thousand and eighteen). Mengangkat Tuan Ir. Tri Joko Prihanto sebagai Komisaris Utama Perseroan. Appoint Mr. Ir. Tri Joko Prihanto as the Company’s President Commissioner. Mengangkat Tuan Eddy Cahyono Hadisulistyo SE sebagai Komisaris Perseroan. Appoint Mr. Eddy Cahyono Hadisulistyo SE as the Company’s Commissioner.

Keputusan RUPST 26 Maret 2015: 1. Menyetujui dan menerima Laporan Direksi mengenai: a. Laporan Keuangan Perseroan untuk tahun buku 2014 (dua ribu empat belas). b. Laporan mengenai kegiatan Perseroan selama tahun buku 2014 (dua ribu empat belas). 2. Menyetujui dan menerima Laporan Dewan Komisaris dan Dewan Pengawas Syariah untuk tahun buku 2014 (dua ribu empat belas). 3. Mengesahkan Laporan Keuangan Perseroan untuk tahun buku 2014 (dua ribu empat belas) dan pelunasan serta pembebasan sepenuhnya (acquit et de charge) kepada Direksi, Dewan Komisaris, dan Dewan Pengawas Syariah dari Tanggung-jawab Pengurusan dan Pengawasan dalam tahun buku 2014 (dua ribu empat belas) sepanjang tindakan tersebut tercatat dalam Laporan Tahunan dan Laporan Keuangan tahun buku 2014 (dua ribu empat

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Telah terlaksana dengan telah disetujuinya fit and proper test Bp Aris Wahyudi Have been conducted with the approval of the fit and proper test of Mr. Aris Wahyudi.

Telah terlaksana dengan telah disetujuinya fit and proper test Bp Ir.Tri Joko Prihanto dan Bapak Eddy Cahyono Hadisulistyo SE. Test for Mr. Ir. Tri Joko Prihanto and Mr. Eddy Cahyono Hadisulistyo SE.

AGMS’s Decision March 26, 2015 1. Approve and accept report from the Board of Directors regarding: a. The Company’s Financial Report for the year 2014 (two thousand and fourteen). b. Report regarding the Company’s activities throughout the fiscal year of 2014 (two thousand and fourteen). 2. Approve and accept report from the Board of Commissioners and Sharia Supervisory Board for the fiscal year of 2014 (two thousand and fourteen). 3. Authorize the Company’s Financial Report for the fiscal year of 2014 (two thousand and fourteen) and settlement as well as complete acquittal (acquit et de charge) to the Board of Directors, Board of Commissioners and Sharia Supervisory Board from Management and Monitoring Responsibility in the fiscal year of 2014 (two thousand and fourteen) as long as the activities are recorded in the Annual Report and Financial Report for the fiscal year of 2014

belas) yang telah diaudit oleh Kantor Akuntan Publik Aidil Yuzar Sarjana Ekonomi Akuntansi, CPA dan tidak bertentangan dengan peraturan perundangundangan yang berlaku. 4. Berdasarkan laporan laba rugi Perseroan di tahun buku 2014 (dua ribu empat belas) ini keuntungan Perseroan adalah sebesar Rp9 miliar (sembilan miliar rupiah). Karena hingga tahun buku 2014 (dua ribu empat belas) ini laba kumulatif Perseroan masih negatif sebesar Rp149 miliar (seratus empat puluh sembilan miliar rupiah), maka sesuai dengan ketentuan Pasal 71 ayat (3) Undang-Undang nomor 40 Tahun 2007 (dua ribu tujuh) Tentang Perseroan Terbatas maka tidak dilakukan pembagian dividen untuk tahun buku 2014 (dua ribu empat belas). Laba Perseroan akan digunakan untuk menunjang kegiatan operasi dan pengembangan usaha Perseroan. 5. Menyetujui untuk melakukan penyesuaian atas remunerasi Dewan Komisaris dan Dewan Pengawas Syariah setinggi-tingginya 10% (sepuluh persen) dari besaran remunerasi yang berlaku saat ini.

4.

5.

6. Berkaitan dengan penyesuaian total remunerasi anggota Direksi, menyetujui untuk melimpahkan kewenangan penetapannya kepada Dewan Komisaris dengan penyesuaian Direksi yang masih menjabat setinggi-tingginya 20% (dua puluh persen) dari besaran total remunerasi yang berlaku saat ini. Khusus untuk Direksi yang baru menjabat, mengikuti ketentuan remunerasi setelah penyesuaian.

6.

7. Memberikan wewenang dan kuasa kepada Dewan Komisaris Perseroan menunjuk Akuntan Publik untuk melakukan audit atas Laporan Keuangan tahun buku yang berakhir pada tanggal 31-12-2015 (tiga puluh satu Desember dua ribu lima belas) dan menetapkan honorarium serta persyaratan penunjukan Akuntan Publik tersebut berdasarkan usulan dari Direksi.

7.

8. Menyetujui pemungutan suara dilakukan secara terbuka. 9. Memberhentikan dengan hormat dengan ucapan terima kasih dan penghargaan atas kontribusi yang telah diberikan kepada Perseroan selama ini Tuan Insinyur Eriandi yang saat ini menjabat sebagai Direktur terhitung sejak ditutupnya Rapat Umum Pemegang Saham ini, yang akan digantikan oleh Tuan Aris Wahyudi yang jabatan terakhirnya adalah sebagai General Manager Bisnis Regional II PT. Bank Bukopin, Tbk, terhitung mulai efektif setelah adanya persetujuan uji kepatutan dan kelayakan (fit and proper test) dari Otoritas Jasa Keuangan untuk masa jabatan sampai dengan tanggal 23-09-2018 (dua puluh tiga September dua ribu delapan belas).

8.

(two thousand and fourteen) that have been audited by Public Accountant Office Aidil Yuzar, Economic Accounting Graduate, CPA, and they don’t contradict with the existing rules and regulations. Based on the Company’s income statement for the fiscal year of 2014 (two thousand and fourteen), the Company’s profit reached Rp9 billion (nine billion rupiah). Since until the fiscal year of 2014 (two thousand and fourteen) the Company’s cumulative profit is still negative as much as Rp149 billion (one hundred and forty nine billion rupiah), so in accordance with the stipulation of Article 71 clause (3) Law number 40 of 2007 (two thousand and seven) regarding Limited Liability Company, there won’t be any dividend sharing for the fiscal year of 2014 (two thousand and fourteen). The profit of the Company will be used to support the Company’s operational activities and business development. Approve to conduct adjustment regarding remuneration for the Board of Commissioners and Sharia Supervisory Board for maximum of 10% (ten percent) from the amount of remuneration that currently applied. Regarding the adjustment of total remuneration for the Board of Directors, GMS approves to delegate the authority of its commencement to the Board of Commissioners with adjustment of the serving Board of Directors in the maximum of 20% (twenty percent) from the amount of total remuneration that currently applied. The Board of Directors member that only started to serve recently will follow the remuneration stipulation after the adjustment. Give authority and power to the Company’s Board of Commissioners to appoint a Public Accountant to conduct audit on Financial Report on the fiscal year that ended on December 31, 2015 (Thirty first of December two thousand and fifteen) and determine honorarium as well as requirements for the appointment of the Public Accountant based on recommendation from the Board of Directors. Approve voting to be done openly.

9. Cordially dismiss with gratitude and recognition for the contribution that have been given to the Company all this time, Mr. Eriandi who currently serve as Director since the closure of this GMS, and he will be replaced by Mr. Aris Wahyudi who previously served as General Manager of Regional Business II PT. Bank Bukopin, Tbk, effectively starting after approval of fit and proper test from Financial Services Authority for the term of office until September 23, 2018 (Twenty third of September two thousand and eighteen).


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10. Menyetujui pemberian apresiasi kepada Tuan Insinyur Eriandi atas kontribusi yang telah diberikan kepada Perseroan dimana penetapan besarnya diberikan kewenangan kepada Dewan Komisaris.

10. Approve the appreciation for Ir. Eriandi for the contribution he has given to the Company. The authority to determine the amount is given to the Board of Commissioners.

Dengan perubahan ini, susunan anggota Direksi, Dewan Komisaris, dan Dewan Pengawas Syariah Perseroan terhitung mulai efektif setelah adanya persetujuan uji kepatutan dan kelayakan (fit and proper test) dari Otoritas Jasa Keuangan kepada Tuan Aris Wahyudi, untuk masa jabatan sampai dengan tanggal 23-09-2018 (dua puluh tiga September dua ribu delapan belas) menjadi sebagai berikut :

With this alteration, the member composition of the Company’s Board of Directors, Board of Commissioners, and Sharia Supervisory Board which are effective after a fit and proper test approval from the Financial Services Authority for Mr. Aris Wahyudi for the term office until September 23, 2018 (Twenty third of September two thousand and eighteen) are as follows:

DIREKSI Direktur Utama Direktur Direktur Direktur

BOARD OF DIRECTORS President Director : Mr. Hajj Riyanto, Bachelor of Economic Accounting Director : Mr. Ruddy Susatyo Sumpeno, Bachelor of Economics Director : Mr. Insinyur Adil Syahputra Director : Mr. Aris Wahyudi

: Tuan Haji Riyanto, Sarjana Ekonomi Akuntansi : Tuan Ruddy Susatyo Sumpeno, Sarjana Ekonomi : Tuan Insinyur Adil Syahputra : Tuan Aris Wahyudi

DEWAN KOMISARIS Komisaris Utama : Tuan Mulyana, Sarjana Hukum Komisaris Independen : Tuan Doktorandus Hajriyanto Yasin Thohari, Master of Arts Komisaris Independen : Tuan Profesor Doktor Bambang Setiaji, Master Sains DEWAN PENGAWAS SYARIAH Ketua : Tuan Profesor Doktor Haji Mohammad Sirajuddin Syamsuddin, Master of Arts Anggota : Tuan Haji Ikhwan Abidin Basri, Master of Arts

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BOARD OF COMMISSIONERS President Commissioner : Mr. Mulyana, Bachelor of Law Independent Commissioner : Mr. Drs. Hajriyanto Yasin Thohari, Master of Arts Independent Commissioner : Mr. Prof. Dr. Bambang Setiaji, Master of Science

SHARIA SUPERVISORY BOARD Chairman : Mr. Prof. Dr. Hajj Mohammad Sirajuddin Syamsuddin, Master of Arts

Member

: Mr. Hajj Ikhwan Abidin Basri, Master of Arts

11. Rapat memberikan kewenangan kepada Dewan Komisaris dalam menetapkan pembagian tugas dan kewenangan anggota Direksi. 12. Memberi kuasa kepada Direksi Perseroan untuk menyatakan kembali keputusan mengenai susunan anggota Direksi, Dewan Komisaris, dan Dewan Pengawas Syariah sebagaimana yang diputuskan dalam agenda ketujuh Rapat ini dalam akta notarial tersendiri.

11. The meeting gave authority to the Board of Commissioners to determine distribution of tasks and authority for the members of the Board of Directors. 12. Give authority to the Company’s Board of Directors to restate the decision regarding the member composition of the Board of Directors, Board of Commissioners, and Sharia Supervisory Board as stipulated in the agenda of the seventh meeting in a separate notarized deed.

Keputusan RUPSLB 4 Juni 2015 1. Perubahan Pasal 4 ayat (2) Anggaran Dasar, yang berlaku efektif setelah memperoleh persetujuan dari Otoritas Jasa Keuangan serta diberitahukannya perubahan Anggaran Dasar serta susunan pemegang saham dalam Perseroan sehubungan dengan hal tersebut kepada Menteri Hukum dan Hak Asasi Manusia Republik Indonesia, menjadi sebagai berikut:

EGMS’s Decision June 4, 2015 1. An amendment in Article 4 clause (2) in the Article of Association which is effective after obtaining approval from the Financial Services Authority and a notification of amendment in the Article of Association as well as the composition of shareholders in the Company regarding to this issue to the Ministry of Law and Human Rights of the Republic of Indonesia to be as follows:


MODAL Pasal 4 Dari modal dasar tersebut telah ditempatkan dan disetor penuh sebesar Rp750.370.000.000,- (tujuh ratus lima puluh miliar tiga ratus tujuh puluh juta rupiah) atau sama dengan 75,037% (tujuh puluh lima koma nol tiga tujuh persen), dengan perincian sebagai berikut: a. 8.137.000 (delapan juta seratus tiga puluh tujuh ribu) saham Seri A dengan nilai nominal seluruhnya sebesar Rp81.370.000.000,- (delapan puluh satu miliar tiga ratus tujuh puluh juta rupiah); b. 1.690.000.000 (satu miliar enam ratus sembilan puluh juta) saham Seri B dengan nilai nominal seluruhnya sebesar Rp169.000.000.000,- (seratus enam puluh sembilan miliar rupiah); c. 10.000.000.000 (sepuluh miliar) saham Seri C dengan nilai nominal seluruhnya sebesar Rp500.000.000.000,- (lima ratus miliar rupiah).

CAPITAL Article 4 From the basic capital had been issued and fully paid as mush as Rp750,370,000,000,- (seven hundred fifty billion and three hundred seventy million rupiah) or equal to 75,037% (seventy point zero three seven percent) with the details as follows: a. 8,137,000 (eight million one hundred and thirty seven thousand) of Series A shares with nominal value as much as Rp81,370,000,000,- (eighty one billion three hundred and seventy million rupiah); b. 1,690,000,000 (one billion six hundred and ninety million) of Series B shares with nominal value as much as Rp169,000,000,000,- (one hundred and sixty nine billion rupiah); c. 10,000,000,000 (ten billion) of Series C shares with nominal value as much as Rp500,000,000,000,(five hundred billion rupiah).

2. Perubahan Data Perseroan mengenai susunan pemegang saham Perseroan, yang berlaku efektif setelah memperoleh persetujuan dari Otoritas Jasa Keuangan serta diberitahukannya perubahan Anggaran Dasar serta susunan pemegang saham dalam Perseroan sehubungan dengan hal tersebut kepada Menteri Hukum dan Hak Asasi Manusia Republik Indonesia, menjadi sebagai berikut:

2. The data alteration of the Company regarding the Company’s shareholders composition which is effective after obtaining approval from the Financial Services Authority and notification of alteration in the Articles of Association and the composition of the Company’s shareholders regarding to this issue to the Ministry of Law and Human Rights of the Republic of Indonesia are as follows:

Modal ditempatkan sebagaimana dimaksud dalam Pasal 4 ayat (2) Anggaran Dasar telah diambil-bagian dan disetor penuh dengan uang tunai melalui kas Perseroan oleh para pemegang saham, yaitu: 1. Drs. Hajriyanto Yasin Thohari, M.A., sejumlah 3.667.000 (tiga juta enam ratus enam puluh tujuh ribu) saham Seri A dengan nilai nominal sebesar Rp36.670.000.000,- (tiga puluh enam miliar enam ratus tujuh puluh juta rupiah); 2. Emil Abeng, sejumlah 1.015.000 (satu juta lima belas ribu) saham Seri A dengan nilai nominal sebesar Rp10.150.000.000,- (sepuluh miliar seratus lima puluh juta rupiah), dan sejumlah 50.000.000 (lima puluh juta) saham Seri B dengan nilai nominal sebesar Rp5.000.000.000,- (lima miliar rupiah); 3. Prof. DR. Abdul Munir Mulkhan, sejumlah 990.000 (sembilan ratus sembilan puluh ribu) saham Seri A dengan nilai nominal sebesar Rp9.900.000.000,(sembilan miliar sembilan ratus juta rupiah); 4. DR. Ir. H. Muhammad Amin Azis, sejumlah 710.000 (tujuh ratus sepuluh ribu) saham Seri A dengan nilai nominal sebesar Rp7.100.000.000,- (tujuh miliar seratus juta rupiah); 5. Firman Noor, S.H., sejumlah 490.000 (empat ratus sembilan puluh ribu) saham Seri A dengan nilai

Capital issued as referred in Article 4 clause (2) of the Article of Association has been partaken and fully paid with cash throught the Company’s cash by shareholders, namely: 1. Drs. Hajriyanto Yasin Thohari, M.A., as much as 3,667,000 (three million six hundred and sixty seven thousand) Series A shares with nominal value of Rp36,670,000,000,- (thirty six billion six hundred and seventy million rupiah); 2. Emil Abeng, as much as 10,150,000 (one million and fifteen thousand) Series A shares with nominal value of Rp10,150,000,000,- (ten billion one hundred and fifty million rupiah) and as much as 50,000,000 (fifty million) Series B shares with nominal value of Rp5,000,000,000,- (five billion rupiah); 3. Prof. DR. Abdul Munir Mulkhan, as much as 990,000 (nine hundred and ninety thousand) Series A shares with nominal value of Rp9,900,000,000,- (nine billion and nine hundred million rupiah); 4. DR. Ir. H. Muhammad Amin Azis, as much as 710,000 (seven hundred and ten thousand) Series A shares with nominal value of Rp7,100,000,000,- (seven billion and one hundred million rupiah); 5. Firman Noor, S.H., as much as 490,000 (four hundred and ninety thousand) Series A shares with nominal


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nominal sebesar Rp4.900.000.000,- (empat miliar sembilan ratus juta rupiah); 6. Tee Suprapto, sejumlah 425.000 (empat ratus dua puluh lima ribu) saham Seri A dengan nilai nominal sebesar Rp4.250.000.000,- (empat miliar dua ratus lima puluh juta rupiah); 7. Prof. DR. H. Muhammad Dawam Rahardjo, S.E., sejumlah 350.000 (tiga ratus lima puluh ribu) saham Seri A dengan nilai nominal sebesar Rp3.500.000.000,- (tiga miliar lima ratus juta rupiah); 8. Ir. H. Muhammad Dasron Hamid, M.Sc, sejumlah 290.000 (dua ratus sembilan puluh ribu) saham Seri A dengan nilai nominal sebesar Rp2.900.000.000,- (dua miliar sembilan ratus juta rupiah); 9. Drs. H. Sugeng, sejumlah 200.000 (dua ratus ribu) saham Seri A dengan nilai nominal sebesar Rp2.000.000.000,- (dua miliar rupiah); 10. Prof. DR. Bambang Setiaji, M.Si sejumlah 90.000.000 (sembilan puluh juta) saham Seri B atau sebesar Rp9.000.000.000,- (sembilan miliar rupiah); 11. PT. Bank Bukopin, Tbk sejumlah 420.000.000 (empat ratus dua puluh juta) saham Seri B dengan nilai nominal sebesar Rp42.000.000.000,(empat puluh dua miliar rupiah) dan sejumlah 10.000.000.000 (sepuluh miliar) saham Seri C dengan nilai nominal sebesar Rp500.000.000.000,(lima ratus miliar rupiah); 12. PT. Bakrie Capital Indonesia, sejumlah 350.000.000 (tiga ratus lima puluh juta) saham Seri B dengan nilai nominal sebesar Rp35.000.000.000,- (tiga puluh lima miliar rupiah); 13. PT. Mega Capital Indonesia, sejumlah 350.000.000 (tiga ratus lima puluh juta) saham Seri B dengan nilai nominal sebesar Rp35.000.000.000,- (tiga puluh lima miliar rupiah); 14. BPJS Ketenagakerjaan (dahulu bernama PT. Jaminan Sosial Tenaga Kerja (Persero), sejumlah 350.000.000 (tiga ratus lima puluh juta) saham Seri B dengan nilai nominal sebesar Rp35.000.000.000,- (tiga puluh lima miliar rupiah); 15. PT. Mitra Usaha Sarana, sejumlah 80.000.000 (delapan puluh juta) saham Seri B dengan nilai nominal sebesar Rp8.000.000.000,- (delapan miliar rupiah). 3. Memberikan kuasa kepada Direksi Perseroan untuk menyatakan kembali keputusan-keputusan pada agenda kedua Rapat dengan akta tersendiri yang dibuat di hadapan Notaris, dan selanjutnya memberitahukan perubahan Anggaran Dasar dan perubahan Data Perseroan mengenai susunan pemegang saham Perseroan kepada Menteri Hukum dan Hak Asasi Manusia Republik Indonesia,

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value of Rp4,900,000,000,- (four billion and nine hundred million rupiah); 6. Tee Suprapto, as much as 425,000 (four hundred and twenty five thousand) Series A shares with nominal value of Rp4,250,000,000,- (four billion two hundred and fifty million rupiah); 7. Prof. DR. H. Muhammad Dawam Rahardjo, S.E., as much as 350,000 (three hundred and fifty thousand) Series A shares with nominal value of Rp3,500,000,000,- (three billion and five hundred million rupiah); 8. Ir. H. Muhammad Dasron Hamid, M.Sc, as much as 290,000 (two hundred and ninety thousand) Series A shares with nominal value of Rp2,900,000,000,- (two billion and nine hundred million rupiah); 9. Drs. H. Sugeng, as much as 200,000 (two hundred thousand) Series A shares with nominal value of Rp2,000,000,000,- (two billion rupiah); 10. Prof. DR. Bambang Setiaji, M.Si as much as 90,000,000 (ninety million) Series B shares or as much as Rp9,000,000,000,- (nine billion rupiah); 11. PT. Bank Bukopin, Tbk as much as 420,000.000 (four hundred and twenty million) Series B shares with nominal value of Rp42,000,000,000,- (forty two billion rupiah) and as much as 10,000,000,000 (ten billion rupiah) Series C shares with nominal value of Rp500,000,000,000,- (five hundred billion rupiah); 12. PT. Bakrie Capital Indonesia, as much as 350,000,000 (three hundred and fifty million) Series B shares with nominal value of Rp35,000,000,000,- (thirty five billion rupiah); 13. PT. Mega Capital Indonesia, as much as 350,000,000 (three hundred and fifty million) Series B shares with nominal value of Rp35,000,000,000,- (thirty five billion rupiah); 14. BPJS Ketenagakerjaan (formerly named PT. Jaminan Sosial Tenaga Kerja (Persero), as much as 350,000,000 (three hundred and fifty million) Series B shares with nominal value of Rp35,000,000,000,- (thirty five billion rupiah); 15. PT. Mitra Usaha Sarana, as much as 80,000,000 (eighty million) Series B shares with nominal value of Rp8,000,000,000,- (eight billion rupiah).

3. Give authority to the Company’s Board of Directors to restate the decisions on the second agenda of meetings with separate deed which was composed before a Notary and furthermore notify about the amendment in Article of Association and alteration in the Company’s data regarding the composition of the Company’s shareholders to the Minister of Law and Human Rights of the Republic of Indonesia, and

to make amendments and/or augmentations as required to get Receipt of Notification Amendment of Articles of Associations and the Company’s Data and to sign every document required as well as do everything needed and useful to implement these matters. The authority in the meeting’s decision includes the authority to reaffirm the decision of the meeting in a meeting decision in the position of the Board of Directors as the authority in GMS when the time period for the process of notification of the amendment in Article of Association and the change in the Company’s data ended for any reason.

dan untuk membuat perubahan-perubahan dan/ atau tambahan-tambahan sebagaimana diperlukan untuk mendapatkan Penerimaan Pemberitahuan Perubahan Anggaran Dasar dan Data Perseroan tersebut, dan untuk menandatangani setiap dokumen yang diperlukan serta selanjutnya melakukan segala sesuatu yang diperlukan dan berguna untuk melaksanakan hal-hal tersebut. Kuasa dimaksud di dalam keputusan Rapat ini juga termasuk kuasa untuk seberapa diperlukan menegaskan kembali tentang keputusan Rapat ini dalam suatu keputusan rapat dalam kedudukan Direksi sebagai kuasa RUPS jika jangka waktu untuk proses pemberitahuan perubahan Anggaran Dasar dan perubahan Data Perseroan berakhir karena sebab apapun. Keputusan RUPSLB 26 Agustus 2015 1. Memberhentikan dengan hormat dengan ucapan terima kasih dan penghargaan atas kontribusi yang telah diberikan kepada Perseoran selama ini Tuan Mulyana, SH yang saat ini menjabat sebagai Komisaris Utama Perseroan terhitung efektif sejak penutupan Rapat ini. 2. Memberikan apresiasi kepada Tuan Mulyana, SH atas kontribusi yang telah diberikan kepada Perseroan dimana penetapan besarnya diberikan kewenangan kepada Dewan Komisaris. 3. Mengangkat Tuan Ir. Tri Joko Prihanto sebagai Komisaris Utama Perseroan. 4. Mengangkat Tuan Eddy Cahyono Hadisulistyo, SE sebagai Komisaris Perseroan. Dengan perubahan ini, maka susunan Dewan Komisaris Perseroan menjadi sebagai berikut :

DEWAN KOMISARIS Komisaris Utama : Tuan Ir. Tri Joko Prihanto Komisaris : Tuan Eddy Cahyono Hadisulistyo, SE Komisaris Independen : Tuan Hajriyanto Yasin Thohari, MA Komisaris Independen : Tuan Prof DR. Bambang Setiaji, M.Si

EGMS’s Decision August 26, 2015 1. To cordially dismiss with gratitude and appreciation for the contribution that have been given to the Company for all this time, Mr. Mulyana, SH who currently serve as President Commissioner of the Company, effectively starting since the closure of this meeting. 2. To give appreciation to Mr. Mulyana, SH for the contribution that he had given to the Company, which the authority to determine the amount will be given to the Board of Commissioners. 3. Appoint Mr. Ir. Tri Joko Prihanto as the Company’s President Commissioner. 4. Appoint Mr. Eddy Cahyono Hadisulistyo, SE as the Company’s Commissioner. With this alteration, the composition of the Company’s Board of Commisioners have changed to:

BOARD OF COMMISSIONERS President Commissioner : Mr. Tri Joko Prihanto Commissioner : Mr. Eddy Cahyono Hadisulistyo, SE Independent Commissioner : Mr. Hajriyanto Yasin Thohari, MA Independent Commissioner : Mr. Prof DR. Bambang Setiaji, M.Si

Berdasarkan Peraturan Bank Indonesia Nomor 14/6/PBI/2012 Pasal 16 ayat (1) dan Peraturan Bank Indonesia Nomor 15/13/PBI/2013 Pasal 32 ayat (2), masa jabatan Tuan Ir. Tri Joko Prihanto sebagai Komisaris Utama Perseroan dan Tuan Eddy Cahyono Hadisulistyo, SE sebagai Komisaris Perseroan terhitung mulai efektif setelah adanya persetujuan uji kepatutan dan kelayakan (fit & proper test) dari Otoritas Jasa Keuangan.

Based on Bank Indonesia Regulation Number 14/6/ PBI/2012 Article 16 clause (1) and Bank Indonesia Regulation Number 15/13/PBI/2013 Article 32 clause (2), the term of office for Mr. Ir. Tri Joko Prihanto as President Commissioner and Mr. Eddy Cahyono Hadisulistyo, SE as the Company’s Commissioner was effective after obtaining approval of fit and proper test from the Financial Services Authority.

Sesuai ketentuan Anggaran Dasar Perseroan Pasal 11 ayat (1) huruf (b), masa jabatan anggota pengganti

In accordance with the stipulation of the Company’s Article of Association Article 11 clause (1) letter (b),


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term of office for replacement member is the remaining term of office of the Board of Commissioners’ member who got replaced. In accordance with this stipulation of Article of Association, the term of office for Mr. Ir. Tri Joko Prihanto and Mr. Eddy Cahyono Hadisulistyo, SE are until September 23, 2018.

adalah untuk sisa masa jabatan anggota Dewan Komisaris yang digantikannya. Sesuai dengan ketentuan Anggaran Dasar tersebut, masa jabatan Tuan Ir. Tri Joko Prihanto dan Tuan Eddy Cahyono Hadisulistyo, SE adalah sampai dengan tanggal 23 September 2018. Keputusan RUPST 23 Maret 2016 I. Keputusan dalam agenda pertama, kedua, dan ketiga 1. Menyetujui dan menerima Laporan Direksi Perseroan mengenai : a. Laporan Keuangan Perseroan untuk Tahun Buku 2015. b. Laporan Mengenai Kegiatan Perseroan selama Tahun Buku 2015. 2. Menyetujui dan menerima Laporan Dewan Komisaris dan Dewan Pengawas Syariah untuk Tahun Buku 2015. 3. Mensahkan Laporan Keuangan Perseroan untuk Tahun Buku 2015 dan pelunasan serta pembebasan sepenuhnya (acquit et de charge) kepada Direksi, Dewan Komisaris, dan Dewan Pengawas Syariah dari tanggung-jawab Pengurusan dan Pengawasan dalam Tahun Buku 2015 sepanjang tindakan tersebut tercatat dalam Laporan Tahunan dan Laporan Keuangan Tahun Buku 2015, yang telah diaudit oleh Kantor Akuntan Publik Aidil Yuzar, SE.AK., CPA dan tidak bertentangan dengan peraturan perundangundangan yang berlaku.

AGMS’s Decision March 23, 2016 I. Decision on the agenda of the first, second, and third. 1. Approve and accept report from the Board of Directors regarding: a. The Company’s Financial Report for the fiscal year of 2015. b. Report regarding the Company’s activities throughout the fiscal year of 2015. 2. Approve and accept report from the Board of Commissioners and Sharia Supervisory Board for the fiscal year of 2015. 3. Ratify the Company’s Financial Report for the fiscal year of 2015 and settlement as well as complete acquittal (acquit et de charge) to the Board of Directors, Board of Commissioners and Sharia Supervisory Board from Management and Monitoring Responsibility in the fiscal year of 2015 as long as the activities are recorded in the Annual Report and Financial Report for the fiscal year of 2015 which have been audited by Public Accountant Office Aidil Yuzar, SE.AK., CPA, and they don’t contradict with applicable rules and regulations.

II. Keputusan dalam Agenda Keempat: Rapat dengan suara bulat berdasarkan musyawarah mufakat memutuskan : Sesuai dengan Laporan Laba Rugi Perseroan, di Tahun Buku 2015 ini Perseroan telah berhasil memperoleh keuntungan sebesar Rp27.778.475.573,(dua puluh tujuh miliar tujuh ratus tujuh puluh delapan juta empat ratus tujuh puluh lima ribu lima ratus tujuh puluh tiga rupiah). Hingga Tahun Buku 2015 ini laba kumulatif Perseroan negatif sebesar Rp121.587.310.556,- (seratus dua puluh satu miliar lima ratus delapan puluh tujuh juta tiga ratus sepuluh ribu lima ratus lima puluh enam rupiah). Sehingga, sesuai dengan ketentuan Pasal 71 ayat (3) UndangUndang Nomor : 40 Tahun 2007 Tentang Perseroan Terbatas, maka belum dapat dilakukan pembagian dividen untuk Tahun Buku 2015.

II. Decision in the Fourth Agenda: The meeting unanimously in consensus decided that: In accordance with the Company’s Income Statement, in the fiscal year of 2015, the Company managed to earn profit as much as Rp27,778,475,573,- (twenty seven billion seven hundred seventy eight million four hundred seventy five thousand and five hundred seventy three rupiah). Until this fiscal year of 2015, the Company’s negative cumulative profit is as much as Rp121,587,310,556,- (one hundred twenty one billion five hundred eighty seven million three hundred ten thousand and five hundred fifty six rupiah). Therefore, in accordance with the stipulation of Article 71 clause (3) Law Number 40 of the Year 2007 regarding Limited Liability Company, there won’t be any dividend sharing for the fiscal year of 2015.

Laba Perseroan akan digunakan untuk menunjang kegiatan operasi dan pengembangan usaha Perseroan.

III. Keputusan dalam Agenda Kelima: Rapat dengan suara bulat berdasarkan musyawarah mufakat memutuskan :

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The Company’s profit will be used to support the Company’s operational activities and business development.

III. Decision in the Fifth Agenda: The meeting unanimously in consensus decided that: The Company’s Board of Directors didn’t recommend

Direksi Perseroan tidak mengajukan usulan penyesuaian remunerasi bagi Direksi, Dewan Komisaris, dan Dewan Pengawas Syariah, sehingga Rapat menyetujui tidak ada kenaikan remunerasi bagi anggota Direksi, Dewan Komisaris, dan Dewan Pengawas Syariah.

any remuneration adjustment for the Board of Directors, Board of Commissioners and Sharia Supervisory Board, so the meeting agree that there won’t be any increase of remuneration for members of the Board of Directors, Board of Commissioners, and Sharia Supervisory Board.

IV. Keputusan dalam Agenda Keenam: Rapat dengan suara bulat berdasarkan musyawarah mufakat memutuskan: Memberikan wewenang dan kuasa kepada Dewan Komisaris Perseroan menunjuk Akuntan Publik untuk melakukan audit atas Laporan Keuangan Tahun Buku yang berakhir pada tanggal 31 Desember 2016 dan menetapkan honorarium serta persyaratan lainnya mengenai penunjukan Akuntan Publik sesuai dengan ketentuan yang berlaku berdasarkan usulan dari Direksi.

IV. Decisions on the Sixth Agenda: The meeting unanimously in consensus decided that: Give authority and power to the Company’s Board of Commissioners to appoint Public Accountant to conduct audit on the Financial Report on the Fiscal Year which ended on December 31, 2016, and determine honorarium as well as other requirements regarding the appointment of Public Accountant in accordance with applicable rules based on recommendations from the Board of Directors.

Keputusan RUPSLB 13 Desember 2016 I. Keputusan dalam agenda pertama 1. a. Menyetujui untuk mengeluarkan sejumlah 2.000.000.000 (dua miliar) saham Seri C dari portepel Perseroan dengan nilai nominal masing-masing Rp50,- (lima puluh rupiah) dengan nilai nominal seluruhnya sebesar Rp100.000.000.000,- (seratus miliar rupiah). b. Menyetujui PT. Bank Bukopin, Tbk untuk mengambil-bagian 1.781.480.248 (satu miliar tujuh ratus delapan puluh satu juta empat ratus delapan puluh ribu dua ratus empat puluh delapan) saham Seri C baru. c. Menyetujui sisa saham sejumlah 218.519.752 (dua ratus delapan belas juta lima ratus sembilan belas ribu tujuh ratus lima puluh dua) saham Seri C baru yang telah ditawarkan dan tidak diambil-bagian oleh pemegang saham lainnya diambil-bagian oleh PT. Bank Bukopin, Tbk. d. Sehingga dengan diambil-bagian saham Seri C baru oleh PT. Bank Bukopin, Tbk sejumlah 2.000.000.000 (dua miliar) saham Seri C baru, maka: (i) Modal Ditempatkan dan disetor penuh ke dalam Perseroan adalah menjadi sebagai berikut: 1. 8.137.000 (delapan juta seratus tiga puluh tujuh ribu) saham Seri A dengan nilai nominal seluruhnya sebesar Rp81.370.000.000,- (delapan puluh satu miliar tiga ratus tujuh puluh juta rupiah).

EGMS’s Decision December 13, 2016 I. Decision on the agenda of the first 1. a. Approve to issue as much as 2,000,000,000 (two billion) Series C shares from the Company’s portfolio with each nominal value of Rp50,- (fifty Rupiah) with nominal value value of Rp100,000,000,000,- (one hundred billion rupiah). b. Approve PT. Bank Bukopin, Tbk take part 1,781,480,248 (one billion seven hundred eighty one million four hundred eighty thousand two hundred and forty eight) new Series C shares. c. Approve the remaining shares as much as 218,519,752 (two hundred eighteen million five hundred nineteen thousand seven hundred and fifty two) new Series C shares that have been offered and haven’t been taken part by other share holders to be taken part by PT. Bank Bukopin, Tbk. d. Therefore, with the taken part of new Series C shares by PT. Bank Bukopin, Tbk as much as 2,000,000,000 (two billion) new Series C shares, therefore: (i) Issued and fully-paid capital in the Company are as follows:

2. 1.690.000.000 (satu miliar enam ratus sembilan puluh juta) saham Seri B dengan nilai nominal seluruhnya

1 8,137,000 (eight million one hundred and thirty seven thousand) Series A shares with nominal value value as much as Rp81,370,000,000,- (eighty one billion three hundred and seventy million rupiah). 2. 1,690,000,000 (one billion six hundred and ninety million) Series B shares with nominal value as much as


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sebesar Rp169.000.000.000,- (seratus enam puluh sembilan miliar rupiah). 3. 12.000.000.000 (dua belas miliar) saham Seri C dengan nilai nominal seluruhnya sebesar Rp600.000.000.000,- (enam ratus miliar rupiah). (ii) Susunan pemegang saham Perseroan dan jumlah saham yang dimiliki menjadi sebagai berikut: 1. Tn. Doktorandus Hajriyanto Yasin Thohari, Master of Arts, sejumlah 3.667.000 (tiga juta enam ratus enam puluh tujuh ribu) saham Seri A dengan nilai nominal sebesar Rp36.670.000.000,- (tiga puluh enam miliar enam ratus tujuh puluh juta rupiah); 2. Tn. Emil Abeng, sejumlah 1.015.000 (satu juta lima belas ribu) saham Seri A dengan nilai nominal sebesar Rp10.150.000.000,- (sepuluh miliar seratus lima puluh juta rupiah), dan sejumlah 50.000.000 (lima puluh juta) saham Seri B dengan nilai nominal sebesar Rp5.000.000.000,- (lima miliar rupiah); 3. Tn. Doktor Abdul Munir Mulkan, sejumlah 990.000 (sembilan ratus sembilan puluh ribu) saham Seri A dengan nilai nominal sebesar Rp9.900.000.000,- (sembilan miliar sembilan ratus juta rupiah); 4. Ahli Waris Alm. Doktor Insinyur Muhammad Amin Azis, sejumlah 710.000 (tujuh ratus sepuluh ribu) saham Seri A dengan nilai nominal sebesar Rp7.100.000.000,- (tujuh miliar seratus juta rupiah); 5. Tn. Firman Noor, sejumlah 490.000 (empat ratus sembilan puluh ribu) saham Seri A dengan nilai nominal sebesar Rp4.900.000.000,- (empat miliar sembilan ratus juta rupiah); 6. Tn. Tee Suprapto, sejumlah 425.000 (empat ratus dua puluh lima ribu) saham Seri A dengan nilai nominal sebesar Rp4.250.000.000,- (empat miliar dua ratus lima puluh juta rupiah); 7. Tn. Professor Doktor Haji Muhammad Dawam Rahardjo, Sarjana Ekonomi, sejumlah 350.000 (tiga ratus lima puluh ribu) saham Seri A dengan nilai nominal sebesar Rp3.500.000.000,- (tiga miliar lima ratus juta rupiah); 8. Ahli Waris Alm. Tn. Insinyur Haji Muhammad Dasron Hamid, Master

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Rp169,000,000,000,- (one hundred and sixty nine billion rupiah). 3. 12,000,000,000 (twelve billion) Series C shares with nominal value as much as Rp600,000,000,000,- (six hundred billion rupiah). (ii) Composition of the Company’s shareholders and the amount of shares owned are as follows: 1. Mr. Drs. Hajriyanto Yasin Thohari, Master of Arts, as much as 3,667,000 (three million six hundred and sixty seven thousand) Series A shares with nominal value of Rp36,670,000,000,- (thirty six billion six hundred and seventy million rupiah); 2. Mr. Emil Abeng, as much as 1,015,000 (one million and fifteen thousand) Series A shares with nominal value of Rp10,150,000,000,- (ten billion one hundred and fifty million rupiah), and as much as 50,000,000 (fifty million) Series B shares with nominal value of Rp5,000,000,000,- (five billion rupiah); 3. Mr. DR. Abdul Munir Mulkan, as much as 990,000 (nine hundred and ninety thousand) Series A shares with nominal value of Rp9,900,000,000,- (nine billion and nine hundred million rupiah); 4. Legal Heir of Late DR. Ir. Muhammad Amin Azis, as much as 710,000 (seven hundred and ten thousand) Series A shares with nominal value of Rp7,100,000,000,- (seven billion and one hundred million rupiah); 5. Mr. Firman Noor, as much as 490,000 (four hundred and ninety thousand) Series A shares with nominal value of Rp4,900,000,000,- (four billion and nine hundred million rupiah); 6. Mr. Tee Suprapto, as much as 425,000 (four hundred and twenty five thousand) Series A shares with total value of Rp4,250,000,000,- (four billion two hundred and fifty million rupiah); 7. Mr. Prof. Dr. Hj. Muhammad Dawam Rahardjo, Bachelor of Economics, as much as 350,000 (three hundred and fifty thousand) Series A shares with nominal value of Rp3,500,000,000,- (three billion and five hundred million rupiah); 8. Legal Heir of the Late Mr. Ir. H. Muhammad Dasron Hamid, Master

of Science, sejumlah 290.000 (dua ratus sembilan puluh ribu) saham Seri A dengan nilai nominal sebesar Rp2.900.000.000,- (dua miliar sembilan ratus juta rupiah); 9. Tn. Doktorandus Haji Sugeng, sejumlah 200.000 (dua ratus ribu) saham Seri A dengan nilai nominal sebesar Rp2.000.000.000,- (dua miliar rupiah); 10. Tn. Bambang Setiaji, sejumlah 90.000.000 (sembilan puluh juta) saham Seri B atau sebesar Rp9.000.000.000,(sembilan miliar rupiah); 11. PT. Bank Bukopin, Tbk. sejumlah 420.000.000 (empat ratus dua puluh juta) saham Seri B dengan nilai nominal sebesar Rp42.000.000.000,- (empat puluh dua miliar rupiah) dan sejumlah 12.000.000.000 (dua belas miliar) saham Seri C dengan nilai nominal sebesar Rp600.000.000.000,- (enam ratus miliar rupiah); 12. PT. Bakrie Capital Indonesia, sejumlah 350.000.000 (tiga ratus lima puluh juta) saham Seri B dengan nilai nominal sebesar Rp35.000.000.000,- (tiga puluh lima miliar rupiah); 13. PT. Mega Capital Indonesia, sejumlah 350.000.000 (tiga ratus lima puluh juta) saham Seri B dengan nilai nominal sebesar Rp35.000.000.000,- (tiga puluh lima miliar rupiah); 14. BPJS Ketenagakerjaan (dahulu bernama PT. Jaminan Sosial Tenaga Kerja (Persero)), sejumlah 350.000.000 (tiga ratus lima puluh juta) saham Seri B dengan nilai nominal sebesar Rp35.000.000.000,- (tiga puluh lima miliar rupiah); 15. PT. Mitra Usaha Sarana, sejumlah 80.000.000 (delapan puluh juta) saham Seri B dengan nilai nominal sebesar Rp8.000.000.000,- (delapan miliar rupiah.) Berlaku efektif sejak diperolehnya persetujuan dari Otoritas Jasa Keuangan serta diberitahukannya perubahan Anggaran Dasar serta susunan pemegang saham dalam Perseroan tersebut kepada Menteri Hukum dan Hak Asasi Manusia Republik Indonesia.

2. Menyetujui bahwa para pemegang saham Perseroan yang tidak mengambil-bagian

of Science, as much as 290,000 (two hundred and ninety thousand) Series A shares with nominal value of Rp2,900,000,000,- (two billion and nine hundred million rupiah); 9. Mr. Drs. H. Sugeng, as much as 200,000 (two hundred thousand) Series A shares with nominal value of Rp2,000,000,000,(two billion rupiah); 10. Mr. Bambang Setiaji, as much as 90,000,000 (ninety million) Series B shares or as much as Rp9,000,000,000,- (nine billion rupiah); 11. PT. Bank Bukopin, Tbk. As much as 420,000,000 (four hundred and twenty million) Series B shares with nominal value of Rp42,000,000,000,- (forty two billion rupiah) and as much as 12,000,000,000 (twelve billion) Series C shares with nominal value of Rp600,000,000,000,- (six hundred billion rupiah); 12. PT. Bakrie Capital Indonesia, as much as 350,000,000 (three hundred and fifty million) Series B shares with nominal value of Rp35,000,000,000,- (thirty five billion rupiah); 13. PT. Mega Capital Indonesia, as much as 350,000,000 (three hundred and fifty million) Series B shares with nominal value of Rp35,000,000,000,- (thirty five billion rupiah); 14. BPJS Ketenagakerjaan (formerly named PT. Jaminan Sosial Tenaga Kerja (Persero)), as much as 350,000,000 (three hundred and fifty million) Series B shares with nominal value of Rp35,000,000,000,(thirty five billion rupiah); 15. PT. Mitra Usaha Sarana, as much as 80,000,000 (eighty million) series B shares with nominal value of Rp8,000,000,000,(eight billion rupiah).

Effective since obtaining approval from the Financial Services Authority and notification of amendment in Article of Association as well as shareholder composition in the Company to the Minister of Law and Human Rights of the Republic of Indonesia.

2. Approve that the Company’s shareholders who don’t take part of the issued Series C shares have


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waived their right to take part in the (new) Series C shares.

atas saham Seri C yang dikeluarkan tersebut melepaskan haknya untuk mengambil-bagian atas saham (baru) Seri C tersebut. II. Keputusan dalam Agenda Kedua: Rapat dengan suara bulat berdasarkan musyawarah mufakat memutuskan : Menyetujui perubahan ketentuan Pasal 4 ayat (2) Anggaran Dasar dan Data Perseroan mengenai susunan pemegang saham menjadi sebagai berikut : MODAL Pasal 4 Dari modal dasar tersebut telah ditempatkan dan disetor penuh sebesar Rp850.370.000.000,- (delapan ratus lima puluh miliar tiga ratus tujuh puluh juta rupiah) atau sama dengan 85,037 % (delapan puluh lima koma nol tiga tujuh persen), dengan perincian sebagai berikut : a. 8.137.000 (delapan juta seratus tiga puluh tujuh ribu) saham Seri A dengan nilai nominal seluruhnya sebesar Rp81.370.000.000,- (delapan puluh satu miliar tiga ratus tujuh puluh juta rupiah); b. 1.690.000.000 (satu miliar enam ratus sembilan puluh juta) saham Seri B dengan nilai nominal seluruhnya sebesar Rp169.000.000.000,- (seratus enam puluh sembilan miliar rupiah); c. 12.000.000.000 (dua belas miliar) saham Seri C dengan nilai nominal seluruhnya sebesar Rp600.000.000.000,- (enam ratus miliar rupiah);

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II. Decisions on the Second Agenda: The meeting unanimously in consensus decided that: Approve the amendment of stipulation in Article 4 clause (2) of the Article of Association and the Company’s Data regarding the composition of shareholders to as follows : CAPITAL Pasal 4 From the basic capital, it has been issued and fully paid as much as Rp850,370,000,000,- (eight hundred fifty billion three hundred and seventy million rupiah) or equals with 85,037 % (eighty five point zero three seven percent), with details as follows: a. 8,137,000 (eight million one hundred and thirty seven thousand) Series A shares with nominal value of Rp81,370,000,000,- (eighty one billion three hundred and seventy million rupiah); b. 1.690.000.000 (one billion six hundred and ninety million) Series B shares with nominal value of Rp169,000,000,000,- (one hundred and sixty nine billion rupiah); c. 12,000,000,000 (twelve billion) Series C shares with nominal value of Rp600,000,000,000,- (six hundred billion rupiah);

oleh para pemegang saham yang telah mengambilbagian saham dengan rincian serta nilai nominal saham yang disebutkan pada bagian akhir sebelum penutup akta ini.

By the shareholders that have been taking part of the shares with details and nominal value that have been stated at the final part before the closure of this deed.

Data Perseroan Mengenai Susunan Pemegang Saham menjadi : Modal ditempatkan sebagaimana dimaksud dalam Pasal 4 ayat (2) telah diambil bagian oleh para pemegang saham, yaitu: (i) Tn. Doktorandus Hajriyanto Yasin Thohari, Master of Arts, sejumlah 3.667.000 (tiga juta enam ratus enam puluh tujuh ribu) saham Seri A dengan nilai nominal sebesar Rp36.670.000.000,- (tiga puluh enam miliar enam ratus tujuh puluh juta rupiah); (ii) Tn. Emil Abeng, sejumlah 1.015.000 (satu juta lima belas ribu) saham Seri A dengan nilai nominal sebesar Rp10.150.000.000,- (sepuluh miliar seratus lima puluh juta rupiah), dan sejumlah 50.000.000 (lima puluh juta) saham Seri B dengan nilai nominal sebesar Rp5.000.000.000,(lima miliar rupiah);

The Company’s Data Regarding the Composition of Shareholders have become: Issued capital as stated in the Article 4 clause have been partaken by shareholders, namely:


(i)

Mr. Drs. Hajriyanto Yasin Thohari, Master of Arts, as much as 3,667,000 (three million six hundred and sixty seven thousand) Series A shares with nominal value of Rp36,670,000,000,- (thirty six billion six hundred and seventy million rupiah);

(ii) Mr. Emil Abeng, as much as 1,015,000 (one million and fifteen thousand) Series A shares with nominal value of Rp10,150,000,000,- (ten billion one hundred and fifty million rupiah), and as much as 50,000,000 (fifty million) Series B shares with nominal value of Rp5,000,000,000,- (five billion rupiah);

(iii) Tn. Doktor Abdul Munir Mulkan, sejumlah 990.000 (sembilan ratus sembilan puluh ribu) saham Seri A dengan nilai nominal sebesar Rp9.900.000.000,- (sembilan miliar sembilan ratus juta rupiah); (iv) Ahli Waris Alm. Tn. Doktor Insinyur Muhammad Amin Azis, sejumlah 710.000 (tujuh ratus sepuluh ribu) saham Seri A dengan nilai nominal sebesar Rp7.100.000.000,- (tujuh miliar seratus juta rupiah); (v) Tn. Firman Noor, sejumlah 490.000 (empat ratus sembilan puluh ribu) saham Seri A dengan nilai nominal sebesar Rp4.900.000.000,- (empat miliar sembilan ratus juta rupiah); (vi) Tn. Tee Suprapto, sejumlah 425.000 (empat ratus dua puluh lima ribu) saham Seri A dengan nilai nominal sebesar Rp4.250.000.000,- (empat miliar dua ratus lima puluh juta rupiah); (vii) Tn. Professor Doktor Haji Muhammad Dawam Rahardjo, Sarjana Ekonomi, sejumlah 350.000 (tiga ratus lima puluh ribu) saham Seri A dengan nilai nominal sebesar Rp3.500.000.000,- (tiga miliar lima ratus juta rupiah); (viii) Ahli Waris Alm. Tn. Insinyur Haji Muhammad Dasron Hamid, Master of Science, sejumlah 290.000 (dua ratus sembilan puluh ribu) saham Seri A dengan nilai nominal sebesar Rp2.900.000.000,- (dua miliar sembilan ratus juta rupiah); (ix) Tn. Doktorandus Haji Sugeng, sejumlah 200.000 (dua ratus ribu) saham Seri A dengan nilai nominal sebesar Rp2.000.000.000,- (dua miliar rupiah); (x) Tn. Bambang Setiaji, sejumlah 90.000.000 (sembilan puluh juta) saham Seri B atau sebesar Rp9.000.000.000,- (sembilan miliar rupiah); (xi) PT. Bank Bukopin, Tbk. sejumlah 420.000.000 (empat ratus dua puluh juta) saham Seri B dengan nilai nominal sebesar Rp42.000.000.000,- (empat puluh dua miliar rupiah) dan 12.000.000.000 (dua belas miliar) saham Seri C dengan nilai nominal sebesar Rp600.000.000.000,- (enam ratus miliar rupiah); (xii) PT. Bakrie Capital Indonesia, sejumlah 350.000.000 (tiga ratus lima puluh juta) saham Seri B dengan nilai nominal sebesar Rp35.000.000.000,- (tiga puluh lima miliar rupiah); (xiii) PT. Mega Capital Indonesia, sejumlah 350.000.000 (tiga ratus lima puluh juta) saham Seri B dengan nilai nominal sebesar Rp35.000.000.000,- (tiga puluh lima miliar rupiah); (xiv) BPJS Ketenagakerjaan (dahulu bernama PT. Jaminan Sosial Tenaga Kerja (Persero),

(iii) Mr. Dr. Abdul Munir Mulkan, as much as 990,000 (nine hundred and ninety thousand) series A shares with nominal value of Rp9,900,000,000,(nine billion and nine hundred million rupiah); (iv) Legal Heir of the Late Mr. Dr. Ir. Muhammad Amin Azis, as much as 710,000 (seven hundred and ten thousand) Series A shares with nominal value of Rp7,100,000,000,- (seven billion and one hundred million rupiah); (v) Mr. Firman Noor, as much as 490,000 (four hundred and ninety thousand) Series A shares with nominal value of Rp4,900,000,000,- (four billion and nine hundred million rupiah); (vi) Mr. Tee Suprapto, as much as 425,000 (four hundred and twenty five thousand) Series A shares with nominal value of Rp4,250,000,000,- (four billion two hundred and fifty million rupiah); (vii) Mr. Prof. Dr. Muhammad Dawam Rahardjo, Bachelor of Economics, as much as 350,000 (three hundred and fifty thousand) Series A shares with nominal value of Rp3,500,000,000,- (three billion and five hundred million rupiah); (viii) Legal Heir of the Late Mr. Ir. H. Muhammad Dasron Hamid, Master of Science, as much as 290,000 (two hundred and ninety thousand) series A shares with nominal value of Rp2,900,000,000,(two billion and nine hundred million rupiah); (ix) Mr. Drs. H. Sugeng, as much as 200,000 (two hundred thousand) series A shares with nominal value of Rp2,000,000,000,- (two billion rupiah); (x) Mr. Bambang Setiaji, as much as 90,000,000 (ninety million) Series B shares or as much as Rp9,000,000,000,- (nine billion rupiah); (xi) PT. Bank Bukopin, Tbk. As much as 420,000,000 (four hundred and twenty million) Series B shares with nominal value of Rp42,000,000,000,- (forty two billion rupiah) and 12,000,000,000 (twelve billion) series C shares with nominal value of Rp600,000,000,000,- (six hundred billion rupiah); (xii) PT. Bakrie Capital Indonesia, as much as 350,000,000 (three hundred and fifty million) series B shares with nominal value of Rp35,000,000,000,- (thirty five billion rupiah); (xiii) PT. Mega Capital Indonesia, as much as 350,000,000 (three hundred and fifty million) Series B shares with nominal value of Rp35,000,000,000,- (thirty five billion rupiah); (xiv) BPJS Ketenagakerjaan (formerly named PT. Jaminan Sosial Tenaga Kerja (Persero)), as


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sejumlah 350.000.000 (tiga ratus lima puluh juta) saham Seri B dengan nilai nominal sebesar Rp35.000.000.000,- (tiga puluh lima miliar rupiah); (xv) PT. Mitra Usaha Sarana, sejumlah 80.000.000 (delapan puluh juta) saham Seri B dengan nilai nominal sebesar Rp8.000.000.000,- (delapan miliar rupiah).

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much as 350,000,000 (three hundred and fifty million) Series B shares with nominal value of Rp35,000,000,000,- (thirty five billion rupiah); (xv) PT. Mitra Usaha Sarana, as much as 80,000,000 (eighty milion) Series B shares with nominal value of Rp8,000,000,000,- (eight billion rupiah).

Sehingga seluruhnya berjumlah : a. 8.137.000 (delapan juta seratus tiga puluh tujuh ribu) saham Seri A dengan nilai nominal sebesar Rp81.370.000.000,- (delapan puluh satu miliar tiga ratus tujuh puluh juta rupiah); b. 1.690.000.000 (satu miliar enam ratus sembilan puluh juta) saham Seri B dengan nilai nominal sebesar Rp169.000.000.000,- (seratus enam puluh sembilan miliar rupiah); dan c. 12.000.000.000 (dua belas miliar) saham Seri C dengan nilai nominal sebesar Rp600.000.000.000,(enam ratus miliar rupiah);

Thus the total amount are: a. 8,137,000 (eight million one hundred and thirty seven thousand) Series A shares with nominal value of Rp81,370,000,000,- (eighty one billion three hundred and seventy million rupiah); b. 1,690,000,000 (one billion six hundred and ninety million) Series B shares with nominal value of Rp169,000,000,000,- (one hundred and sixty nine billion rupiah); and c. 12,000,000,000 (twelve billion) Series C shares with nominal value of Rp600,000,000,000,- (six hundred billion rupiah);

Atau dengan total nilai nominal seluruhnya sebesar Rp850.370.000.000,- (delapan ratus lima puluh miliar tiga ratus tujuh puluh juta rupiah).

Or with the total nominal value of Rp,850,370,000,000,(eight hundred fifty billion three hundred and seventy million Rupiah).

Seluruh Modal ditempatkan tersebut disetor penuh dengan uang tunai melalui kas Perseroan oleh pemegang saham Perseroan sebagai berikut : a. Rp750.370.000.000,- (tujuh ratus lima puluh miliar tiga ratus tujuh puluh juta rupiah) merupakan setoran lama. b. Rp100.000.000.000,- (seratus miliar rupiah) disetorkan paling lambat sebelum tanggal diberitahukannya penambahan modal ditempatkan dan disetor ini kepada Menteri Hukum dan Hak Asasi Manusia Republik Indonesia.

All of this issued capital is fully-paid with cash through the Company’s cash by the Company’s shareholders as follows: a. Rp750,370,000,000,- (seven hundred fifty billion three hundred and seventy million rupiah) is old deposit. b. Rp100,000,000,000,- (one hundred billion rupiah) deposited at the latest before the notification date regarding issued and deposited capital to the Minister of Law and Human Rights of the Republic of Indonesia.

Sesuai dengan Peraturan Bank Indonesia Nomor: 15/11/PBI/2013, maka pengambilan-bagian 2.000.000.000 (dua miliar) saham Seri C oleh PT. Bank Bukopin, Tbk (Penyertaan Modal Lanjutan) tersebut diatas dilaksanakan apabila telah memperoleh persetujuan dari Otoritas Jasa Keuangan.

In accordance with Bank Indonesia Regulation Number: 15/11/PBI/2013, therefore the partake of 2,000,000,000 (two billion) of Series C shares by PT. Bank Bukopin, Tbk (Advance Capital Investment) mentioned above will be implemented after obtaining approval from the Financial Services Authority.

Dalam hal persetujuan Bank Indonesia/Otoritas Jasa Keuangan diberikan lebih dari 30 (tiga puluh) hari sejak tanggal Rapat ini sehingga akta Berita Acara Rapat ini telah lewat masa berlakunya untuk diberitahukan kepada Menteri Hukum dan Hak Asasi Manusia Republik Indonesia sebagaimana diatur dalam Pasal 21 ayat (8) Undang-Undang Nomor 40 Tahun 2007 (dua ribu tujuh) Tentang Perseroan Terbatas, maka untuk keperluan tersebut

The approval from Bank Indonesia/Financial Services Authority was given more than 30 (thirty) days since the date of this meeting, so this Minutes of Meetings deed was over the period of validity to be notified to the Minister of Law and Human Rights of the Republic of Indonesia as stipulated in Article 21 clause (8) Law Number 40 Year 2007 (two thousand and seven) about the Limited Liability Company. Therefore for this requirement, the Company’s Board of Director has been


Direksi Perseroan diberikan kewenangan untuk atas nama pemegang saham Perseroan menegaskan keputusan Rapat ini dalam akta notarial, serta memberitahukannya kepada Menteri Hukum dan Hak Asasi Manusia Republik Indonesia.

given the authority to act on behalf of the Company’s shareholder to affirm the decision of this meeting in the notary deed, and notify it to the Minister of Law and Human Rights of the Republic of Indonesia.

Uraian Audit Internal

Internal Audit Review

Berdasarkan Struktur Organisasi Perseroan yang disahkan melalui Surat Keputusan Direksi No 194/SKEP-DIR/BSBJKT/XII/2011, Satuan Kerja Audit Intern (SKAI) merupakan unit/ fungsi kerja yang independen terhadap satuan kerja operasional (risk-taking unit). Kepala/Ketua Satuan Kerja Audit Intern (SKAI) diangkat dan diberhentikan oleh Direksi dengan persetujuan Dewan Komisaris dan dilaporkan kepada Bank Indonesia/OJK. Secara struktural, SKAI bertanggung jawab dan memiliki jalur pelaporan administratif langsung kepada Direktur Utama dan jalur pelaporan fungsional kepada Dewan Komisaris dan Komite Audit.

Based on Bank’s Organizational Structure which was ratified through The Board of Directors Decree Number 194/SKEP-DIR/BSB-JKT/XII/2011, the Internal Audit Task Force is a work unit/function which is independent to the operations working unit (risk-taking unit). The Chief/Head of Internal Audit Task Force is appointed and dismissed by the Board of Directors with the approval from the Board of Commissioners and reported to Bank Indonesia/Financial Services Authority. Structurally, SKAI is responsible and has direct administrative reporting line to the President Director and functional reporting line to the Board of Commissioners and the Audit Committee.

Selain unit/ fungsi kerja SKAI diatas, Perseroan juga memiliki Unit Anti Fraud yang independen terhadap SKAI. Unit Anti Fraud bertanggung jawab langsung kepada Direktur Utama.

Other than Internal Audit Task Force mentioned above, the The Company also has an Anti Fraud Unit which is independent to Internal Audit Task Force. The Anti Fraud Unit is directly responsible to the President Director.

SDI SKAI Unit Audit Intern (SKAI) saat ini memiliki 13 (tiga belas) orang Auditor dan 1 (satu) orang Kepala SKAI dengan perincian, sebagai berikut: Elmar Maroza : Kepala Satuan Kerja Audit Intern (SKAI) Dwi Santoso : Manager SKAI

Internal Audit Task Force Human Resource Internal Audit Task Force currently has 13 (thirteen) auditor and 1 (one) Head of Internal Audit Task Force with details as follows: Elmar Maroza : Head of Internal Audit Task Force Dwi Santoso : Manager of Internal Audit Task Force Dwi Atmoko : Coordinator of Internal Audit Task Force Akhmad Suryamin : Auditor of Internal Audit Task Force Savirul Afifi : Auditor of Internal Audit Task Force Wisnu Ramayandi : Auditor of Internal Audit Task Force Ade Afandi Putra : Auditor of Internal Audit Task Force Rosry Hervita : Auditor (Audit Staff of Surabaya Branch) Isroul Khasanah : Auditor (Audit Staff of Sidoarjo Branch) Siti Khadijah : Auditor (Audit Staff of Bukittinggi Branch) Adi Siswanto : Auditor (Audit Staff of Medan Branch)

Dwi Atmoko

: Koordinator SKAI

Akhmad Suryamin : Auditor SKAI Savirul Afifi

: Auditor SKAI

Wisnu Ramayandi

: Auditor SKAI

Ade Afandi Putra

: Auditor SKAI

Rosry Hervita Isroul Khasanah Siti Khadijah Adi Siswanto M. Erwan Apriadi

: Auditor SAC (Staff Audit Cabang Surabaya) : Auditor SAC (Staff Audit Cabang Sidoarjo) : Auditor SAC (Staff Audit Cabang Bukittinggi) : Auditor SAC (Staff Audit Cabang Medan) : Auditor SAC (Staff Audit Cabang Samarinda)

M. Erwan Apriadi : Auditor (Audit Staff of Samarinda Branch)


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Sandi Eka Putra : Auditor SAC (Staff Audit Cabang Bandung) Masri Yasin Bahtiar : Auditor SAC (Staff Audit Cabang Makassar)

Sandi Eka Putra : Auditor (Audit Staff of Bandung Branch) Masri Yasin Bahtiar : Auditor (Audit Staff of Makassar Branch)

Sertifikasi Sertifikasi yang dimiliki oleh Audit Intern saat ini adalah BSMR Level I bagi Manager dan Koordinator, sedangkan staf Audit Intern yang lainnya akan diupayakan untuk dilakukan sertifikasi pada 2017.

Certification Certification which is currently owned by Internal Audit is the Risk Management Certification Body Level 1 for Manager and Coordinator, while other Internal Audit staff will be sought to get certification in 2017.

Tugas dan Tanggung jawab Sesuai dengan Intern Audit Charter, SKAI memiliki tugas dan tanggung jawab, sebagai berikut:

Duties and Responsibilities In accordance with the Internal Audit Charter, the Internal Audit Task Force has duties and responsibilities as follows:

Pengembangan Sistem & Pengendalian Mutu Audit l Menyusun dan melakukan monitoring atas Rencana Kerja & Anggaran (RKA) SKAI; l Mengembangkan kebijakan, prosedur, dan standar audit; dan l Mengkoordinasikan pelaporan internal dan eksternal yang berkaitan dengan SKAI. Audit Teknologi Sistem Informasi & Evaluasi Keuangan l Melakukan pelaksanaan audit yang berkaitan dengan

sistem dan teknologi informasi, antara lain core banking, internet & sms banking, kartu kredit, dan lain sebagainya. Audit Kantor Pusat l Melakukan pelaksanaan audit untuk setiap unit/ fungsi kerja di kantor pusat, yang mencakup bidang operasional/supporting dan bisnis/kredit. Audit Regional l Melakukan pelaksanaan audit reguler untuk setiap kantor area/ cabang, yang mencakup bidang operasional/supporting dan bisnis/kredit. l Bagian Audit Regional memiliki personel di masingmasing kantor area (Staf Audit Area/ SAA) dan kantor cabang (Staf Audit Cabang/SAC). Kegiatan 2016 Sepanjang 2016, kegiatan audit intern dilaksanakan sejalan dengan RKA / Rencana Kerja Anggaran tahunan yang telah direncanakan setiap tahunnya. Kegiatan yang dilaksanakan, antara lain berupa auditing/pemeriksaan bulanan dan auditing/pemeriksaan umum, melalui kunjungan ke kantor cabang oleh Tim Audit yang beranggotakan Auditor SKAI Kantor Pusat dan beberapa staf SAC.

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Development of Audit System and Quality Control l Compose and conduct monitoring on Working Plan

Budget of Internal Audit Task Force; l Develop policies, procedures, and standards of audit;

and l Coordinate internal and external reporting that are

related with the Internal Audit Task Force. Information System Technology and Financial Evaluation Audit l Conduct audit implementation regarding information system and technology, such as core banking, internet & sms banking, credit card, and many more.

Head Office Audit l Conduct audit implementation for every working unit/

function in the head office, which include operations/ supporting field and business/credit. Regional Audit l Conduct regular audit implementation for every area/

branch office which includes operations/supporting field and business/credit. l Regional Audit Division has personnel in each area office (Area Audit Staff) and branch office (Branch Audit Staff). Activities in 2016 Throughout 2016, Internal Audit activities were conducted in accordance with the Annual Working Plan Budget which is planned annually. Among the implemented activities are monthly auditing and general auditing through visits to branch office by Audit Team which consists of Internal Audit Task Force Auditor from the Head Office and several Branch Audit Staff.

Uraian Audit External

External Audit Review

Audit Eksternal PT Bank Syariah Bukopin 2016 External Auditor of PT Bank Syariah Bukopin 2016 TAHUN/ AKUNTAN/ KANTOR AKUNTAN BESARAN JASA YEAR ACCOUNTANT PUBLIK/ AUDIT/ PUBLIC AUDIT ACCOUNTING FIRM SERVICES FEE 2016 Aidil Yuzar, SE.Ak., CA., CPA., SAS Registrasi Akuntan Publik No. AP0608 2015 Aidil Yuzar, SE.Ak., CA., CPA., SAS Registrasi Akuntan Publik No. AP0608 2014 Aidil Yuzar, SE.Ak., CA., CPA., SAS Registrasi Akuntan Publik No. AP0608 2013 Drs. J. Anwar Hasan, CPA,Ak NRAP : AP 0091 2012 Bambang Hariadi, MWc, CPA NRAP : AP 0413

JASA SELAIN AUDIT LAPORAN KEUANGAN TAHUNAN/ SERVICES OTHER THAN AUDIT OF ANNUAL FINANCIAL STATEMENTS

KAP AIDIL YUZAR, SE.,Ak., CPA Izin Usaha No. 288/KM.1/2012

Rp 525.000.000

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Rp 490.000.000

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Rp 435.000.000

-

ACHMAD, RASYID, HISBULLAH & JERRY NUI : 586/KM.1/2007&800/ KM.1/2007 DOLI, BAMBANG, SUDARMADJI & DADANG NUI : KEP - 007/KM.5/2006

Rp 390.000.000

-

Rp 240.000.000

-


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Manajemen Risiko

Risk ManagemenT

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Meningkatkan Mutu Pengelolaan Risiko Improving Risk Management Quality Perseroan terus berupaya meningkatkan kualitas pengelolaan dan manajemen risiko seiring dengan perkembangan bisnis dan standardisasi yang berlaku. The Company continuously attempt to improve management quality and risk management along with the development of business and applicable standardization.

P

engembangan manajemen risiko yang dilakukan Perseroan selalu berpedoman pada peraturan Otoritas Jasa Keuangan (OJK) Nomor 65/POJK.03/2016 tanggal 23 Desember 2016 tentang Penerapan Manajemen Risiko bagi Bank Umum Syariah. Pelaksanaan manajemen risiko tersebut wajib dilakukan pada seluruh lingkup aktivitas Perseroan dengan tetap menjaga keseimbangan fungsi operasional bisnis dengan pengelolaan risiko.

T

he development of risk management that is conducted by the Company always refer to the Financial Services Authority regulation Number 65/POJK.03/2016 dated December 23, 2016 regarding the implementation of Risk Management for Sharia Commercial Bank. The implementation of risk management must be conducted on all scope of activities of the Company by maintaining the balance between the business operational function and the risk management.

Dalam rangka pengembangan yang sesuai dengan standar perbankan internasional, Perseroan terus mengembangkan dan meningkatkan kerangka sistem pengelolaan risiko dan struktur pengendalian internal yang terpadu dan komprehensif, sehingga dapat memberikan informasi adanya potensi risiko secara lebih dini. Selanjutnya, mampu mengambil langkah-langkah yang memadai untuk meminimalkan dampak risiko.

In order to create development which is in accordance with the international banking standard, the Company continuously develop and improve the system framework of risk management and internal control structure that is integrated and comprehensive in order to give information on any potential risk earlier. And furthermore, able to take appropriate steps to minimize the impact of risk.

Kerangka manajemen risiko tersebut dituangkan dalam kebijakan, prosedur, limit-limit transaksi, kewenangan, dan ketentuan serta berbagai perangkat manajemen risiko lainnya. Untuk memastikan bahwa kebijakan dan prosedur sesuai dengan perkembangan bisnis yang ada,

This framework of risk management is outlined in policies, procedures, transaction limits, authority, and provisions, as well as other various risk management tools. To make sure that the policies and procedures are in accordance with existing business development, evaluations are done


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Manajemen Risiko Risk Management

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maka evaluasi selalu dilakukan secara berkala seiring perubahan parameter risikonya.

periodically along with the changes of the risk parameters.

Untuk melakukan tugas manajemen risiko, Perseroan telah menunjuk seorang Direktur Kepatuhan dan Manajemen Risiko yang membawahi Satuan Kerja yang bertugas untuk melakukan pemantauan dan kaji ulang terhadap penerapan manajemen risiko Perseroan berdasarkan kebijakan Manajemen dan bersifat independen, yaitu Divisi Manajemen Risiko. Tanggung jawab utama dari Divisi Manajemen Risiko, antara lain: l Melakukan pemantauan strategi manajemen risiko yang telah disetujui oleh Direksi. l Melakukan pemantauan posisi risiko secara keseluruhan. l Melakukan stress testing. l Melakukan kaji ulang terhadap proses manajemen risiko Perseroan. l Melakukan evaluasi terhadap akurasi model dan validitas data yang digunakan untuk mengukur risiko. l Menyampaikan laporan profil risiko sebagaimana diatur dalam Peraturan OJK NO.65/POJK.03/2016 tentang Penerapan Manajemen Risiko Bagi Bank Umum Syariah.

To conduct the duties of risk management, the Company have appointed a Compliance and Risk Management Director who is in assigned to monitoring and review of the implementation of the Company's risk management policy-based management and is independent, which is the Risk Management Division. The main responsibility of Risk Management Division are as follows:

Untuk membantu pelaksanaan proses dan sistem manajemen risiko yang efektif, Perseroan juga telah membentuk Komite Manajemen Risiko yang terdiri dari seluruh Direksi, di mana komite ini berfungsi untuk menetapkan kebijakan manajemen risiko, menetapkan risk appetite dan risk tolerance Perseroan dalam menjalankan bisnisnya, serta dijadikan landasan dalam menyusun rencana bisnis Perseroan, limit kewenangan, dan lain-lain.

To help effective implementation of the process and system of risk management, the Company also established Risk Management Committee which consists of the entire Board of Directors, where this committee works to establish a risk management policy, setting risk appetite and risk tolerance of the Company in its business, as well as used as a basis in preparing the Company's business plan, the limit of authority, and others.

Pada dasarnya proses manajemen risiko dilakukan oleh masing-masing unit kerja, di mana risiko tersebut melekat sesuai dengan kebijakan terkait. Tugas utama Divisi Manajemen Risiko adalah menetapkan kebijakan dan prosedur manajemen risiko, melakukan serangkaian proses untuk mengumpulkan, dan menguji pengukuran dan pelaporan risiko yang dilaporkan oleh para pemilik risiko tersebut. Penetapan kebijakan manajemen risiko dilakukan melalui proses persetujuan Direksi.

Basically, the risk management process is conducted by each working unit, where those risk attached in accordance with related policies. The main duty of the Risk Management Division is to determine risk management policies and procedures, conduct a series of process to collect and test risk measuring and reporting that is conducted by the owner of the risk. The stipulation of risk management policies is done through an approval process by the Board of Directors.

Konsep dasar dari penerapan atau implementasi manajemen risiko di Perseroan adalah untuk meminimalisasi potensi risiko yang melekat pada Perseroan sehingga terhindari dari kerugian yang timbul dari kegiatan aktivitas Perseroan, hal ini sejalan dengan risk appetite dan risk tolerance dan strategi yang ditetapkan.

The basic concept of risk management implementation in the Company is to minimize risk potential that is attached to the Company in order to be avoided from loss that arise from the Company activities. This is in line with the risk appetite and risk tolerance as well as stipulated strategy.

Sementara itu, mendukung sasaran dari manajemen risiko, Perseroan juga menerapkan strategi budaya risiko, dengan membangun peduli risiko (risk awareness)

Meanwhile, to support the target of risk management, the Company also implement the strategy of risk awareness culture by building targeted risk awareness and risk


l Conduct risk management strategy monitoring that is

approved by the Board of Directors. l Monitor the position of risk in overall. l Perform stress testing. l Review the Company’s risk management process. l Evaluate the accuracy of model and the validity of

data that is used to assess risk. l Deliver the risk profile report as stipulated in FSA

Regulation of Financial Services Authority Number 65/ POJK.03/2016 regarding the Implementation of Risk Management for Sharia Commercial Bank.

dan proses manajemen risiko yang terarah. Peduli risiko dibangun untuk menciptakan kesadaran akan risiko pada seluruh lini dan dampak yang ditimbulkan karena menyadari bahwa risiko-risiko tersebut tidak dapat dihindari tetapi dapat dikelola dan dikendalikan, maka proses manajemen risiko dibangun dengan melakukan pengkajian secara berkala terhadap aktivitas Perseroan serta membangun aplikasi-aplikasi untuk mengidentifikasi, mengukur, memantau, dan mengendalikan risiko yang timbul dari kegiatan usahanya.

management process. Risk awareness is built to create awareness of the risk on the entire line and impact that is inflicted recognizing that these risks can not be avoided but it can be managed and controlled, accordingly the risk management processes are built by conducting studies on a regular basis on the activities of the Company and build applications to identify, measuring, monitoring and controlling risks arising from its business activities.

Penilaian Risiko Penilaian sendiri (self assessment) terhadap profil risiko dilakukan untuk profil risiko Perseroan yang dilakukan terhadap 10 (sepuluh) Risiko, yaitu : Risiko Kredit, Risiko Pasar, Risiko Likuiditas, Risiko Operasional, Risiko Hukum, Risiko Stratejik, Risiko Kepatuhan, Risiko Reputasi, Risiko Imbal Hasil, dan Risiko Investasi. Komposit hasil penilaian peringkat risiko inheren yang mencerminkan potensi timbulnya risiko pada Perseroan, dan peringkat atas penilaian kecukupan sistem pengendalian risiko (risk control system), menghasilkan 5 (lima) peringkat risiko komposit, yaitu: low, low to moderate, moderate, moderate to high, serta high.

Risk Assessment Self-assessment towards the risk profile is done both for the Company’s risk profile which is done towards 10 (ten) Risks, which are: Credit Risk, Market Risk, Liquidity Risk, Operational Risk, Legal Risk, Strategic Risk, Compliance Risk, Reputation Risk, Yield Risk, and Investment Risk. Composite of inherent risk rating assessment result which reflect the potential of risk arising towards the Company and the rating of risk control system adequacy assessment generates 5 (five) composite risk level, which are low, low to moderate, moderate, moderate to high, and high.

a. Risiko Kredit Risiko kredit adalah risiko akibat kegagalan nasabah atau pihak lain dalam memenuhi kewajiban kepada Perseroan sesuai dengan perjanjian yang disepakati, termasuk risiko kredit akibat kegagalan debitur, risiko konsentrasi kredit, counterpary credit risk, dan settlement risk. Perseroan telah menyusun kerangka kerja dan menjalankan upaya mitigasi risiko atas seluruh aspek bisnis dengan eksposur risiko kredit di dalamnya, baik berupa bisnis pembiayaan mikro, UMKM, komersial maupun konsumer, penempatan antar perseroan maupun pembelian surat berharga.

a. Credit Risk Credit risk is the risk due to the failure of customers or other parties to fulfill obligations to the Company in accordance to agreements concluded, including credit risk due to failure of the debtor, credit concentration risk, counterparty credit risk and settlement risk. The Company have establish a framework and perform risk mitigation effort on every aspect of the business with credit risk exposure internally, both in the form of micro financing business, Small and Medium Enterprise, commercial or consumer, as well as interbank placement and purchase of marketable securities.

Kerangka kerja tersebut dimaksudkan untuk menyeimbangkan ekspansi aset yang dilakukan dengan kecukupan modal yang tersedia untuk menutup risiko kredit, yang diantaranya diindikasikan dengan tingkat rasio Aset Produktif Bermasalah yang tetap terjaga pada tingkat yang bisa dikendalikan oleh Perseroan.

The framework is meant to balance asset expansion that was done with available capital adequacy to cover credit risk, which among others indicated by the ratio level of Non Performing Earning Asset that is maintained in the level that can be controlled by the Company.

Divisi Manajemen Risiko, yang bersifat independen terhadap kegiatan bisnis, bertanggung jawab untuk memberikan masukan atas risiko yang dihadapi pada setiap eksposur risiko pembiayaan yang dinilai signifikan bagi Perseroan kepada Komite Pembiayaan, sebagai lembaga yang berwenang dalam memberikan keputusan. Sementara itu limitasi kewenangan anggota Komite Pembiayaan diatur melalui Keputusan Direksi, sesuai Ketentuan

Risk Management Division, which is independent towards business activities, is responsible to give input on the risk that is faced on every financing risk exposure that is deemed significant for the Company to the Financing Committee as the authorized institution in decision making. Meanwhile, the authority limitation of the members of Financing Committee is regulated through the Board of Directors Decree, in accordance with the Company’s regulation


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regarding the Institutional of Financing Committee.

Perseroan mengenai Kelembagaan Komite Pembiayaan.

Upaya antisipasi munculnya risiko kredit juga dilakukan melalui pemantauan kondisi masingmasing debitur maupun kondisi portofolio Perseroan secara keseluruhan. Selain itu Perseroan telah menetapkan prosedur dalam melakukan analisis pembiayaan, mekanisme persetujuan, pemantauan dan pembinaan, serta restrukturisasi pembiayaan.

The effort to anticipate the appearance of credit risk is conducted through monitoring the condition of each debtor and the overall condition of the Company's portfolio. Furthermore, the Company has established a procedure in performing financing analysis, approval mechanism, monitoring and coaching, as well as financing restructuration.

Dalam mendukung mitigasi risiko kredit, telah dikembangkan berbagai modul penilaian tingkat risiko kredit maupun modul kelayakan pemberian fasilitas, seperti Credit Risk Self Assessment (CRSA) untuk pembiayaan sampai dengan Rp1 miliar. Perseroan juga dalam proses mengembangkan Internal Credit Risk Rating (ICRR) sebagai media pemberian rating kepada portofolio yang dimiliki Perseroan.

In supporting the mitigation of credit risk, various credit risk level assessment modules as well as facilities provision appropriateness modules have been developed, such as the Credit Risk Self-Assessment (CRSA) for financing up to Rp1 billion. The Company is also in the process of developing the Internal Credit Risk Rating (ICRR) as a media to award rating for the Company’s portfolio.

Perseroan secara berkelanjutan mengelola risiko kreditnya melalui penetapan dan evaluasi proses dan kebijakan pembiayaan, pengaturan dan evaluasi limit dan pelaporan secara berkala kepada Direksi dan Dewan Komisaris. Serta, telah menetapkan kebijakan dan pedoman yang memuat prosedur dalam melakukan analisis pembiayaan, mekanisme persetujuan, pemantauan dan pembinaan serta restrukturisasi pembiayaan. Perseroan berupaya untuk menjaga kualitas aset melalui penetapan kebijakan pembiayaan yang antara lain meliputi analisis pembiayaan, pelaksanaan review status pembiayaan secara berkala, diversifikasi portofolio pembiayaan, kecukupan agunan, dan sistem pengendalian internal.

The Company continuously manage its credit risk by determining and evaluating the process and policies of financing, regulating and evaluating limit and periodic reporting to the Board of Directors and the Board of Commissioners. Also, The Company determined policies and guidelines which include procedure in conducting financing analysis, approval mechanism, monitoring and coaching as well as financing restructuration. The Company attempt to maintain the quality of asset through the establishing financing policies that include financing analysis, conducting periodic review of financing status, financing portfolio diversification, collateral adequacy, and internal control system.

Sejalan dengan prinsip kehati-hatian, pada umumnya Perseroan mensyaratkan bahwa setiap pembiayaan harus dijamin dengan agunan minimal senilai 125% dari nilai pembiayaannya. Namun demikian, untuk nasabah tertentu dengan karakteristik khusus, dimungkinkan untuk menyerahkan agunan senilai fasilitas yang diberikan. Perseroan tidak mewajibkan adanya agunan untuk fasilitas pembiayaan yang dijamin sepenuhnya oleh Pemerintah Indonesia.

In accordance with prudential banking practices, the Company generally require that every financing must be guaranteed with collateral with a value of at least 125% from its financing value. However, certain customers with special characteristics may submit collateral which worth the same as the facilities given. The Company doesn’t require collateral for financing facilities that are fully guaranteed by Indonesian government.

Fasilitas pembiayaan di atas Rp1 miliar, Divisi Kepatuhan dan Divisi Manajemen Risiko diminta untuk memberikan opini. Selanjutnya opini tersebut akan disampaikan kepada Komite Pembiayaan sebagai salah satu masukan dan pertimbangan dalam pengambilan keputusan.

Batasan kewenangan persetujuan pembiayaan oleh pemimpin cabang di-review secara berkala

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For financing facilities that is more than Rp1 billion, the Compliance Division and Risk Management Division will be requested to give an opinion. The opinion will then be delivered to the Financing Committee as one of input and consideration in decision making. The authority limitation for financing approval by the head of the branch is reviewed periodically based on

various factors such as the branch’s assets, working period in the financing field and the performance of the head of branch. For financing with the amount that exceed the authority of financing approval, the head of branch must obtain approval from the Financing Committee in the Head Office.

berdasarkan faktor-faktor antara lain aset cabang, masa kerja di bidang pembiayaan dan kinerja dari pemimpin cabang tersebut. Untuk pembiayaan yang jumlahnya melampaui kewenangan persetujuan pembiayaan, pemimpin cabang harus memperoleh persetujuan dari Komite Pembiayaan di kantor pusat.

Proses persetujuan pembiayaan dilakukan berdasarkan prinsip bahwa setiap pembiayaan harus diproses melalui Komite Pembiayaan (beranggotakan minimal 3 orang) untuk memperoleh persetujuan. Komposisi dan jumlah anggota Komite Pembiayaan akan berbeda sesuai dengan jumlah dan fasilitas pembiayaan yang diajukan.

Financing approval process is conducted based on the principle that every financing must be processed through the Financing Committee (consists of at least 3 persons) to obtain approval. The composition and amount of members of the Financing Committee will be different in accordance with the amount and facility of proposed financing.

Divisi Legal dan Investigasi Pembiayaan bertanggung jawab untuk mempersiapkan opini yang meliputi analisis aspek hukum atas perikatan hukum dengan peminjam dan penilaian atas agunan pembiayaan serta kajian atas aspek keterkaitan guna mengantisipasi terjadinya pelampauan/pelanggaran BMPK. Selain itu, berkaitan dengan proses tersebut, Divisi Legal dan Investigasi Pembiayaan juga bertanggung jawab untuk melakukan evaluasi atas dokumentasi hukum yang harus dilengkapi oleh account officer berikut semua dokumen yang terkait dengan agunan.

Legal and Financing Investigation Division is responsible to prepare opinion that covers analysis on legal aspects of legal bond with borrower and assessment of financing collateral and assessments of the aspects of relevance in order to anticipate the occurrence of exceedances / violations Legal Lending Limits. Furthermore, related to the process, Legal and Financing Investigation Division is also responsible to conduct evaluation on legal documentation that must be equipped by the account officer as well as all documents related to the collateral.

Pembiayaan yang diberikan oleh Perseroan dipantau secara periodik oleh account officer yang bertanggung jawab untuk menangani pembiayaan tersebut. Perseroan menetapkan kebijakan monitoring pembiayaan yang dilakukan dengan berdasar pada faktor-faktor yang dipergunakan dalam proses persetujuan pembiayaan. Perseroan juga melakukan pengkajian terhadap aktivitas rekening nasabah untuk mengetahui status pembayaran margin dan/ atau pembayaran pokok setiap bulannya. Selain itu, Perseroan juga melakukan pengkajian atas kondisi keuangan, kepatuhan terhadap perjanjian pembiayaan, kondisi agunan, pembayaran angsuran serta penyelesaian permasalahan pembiayaan nonperforming yang terjadi. Pengkajian ini dilakukan minimal setahun sekali.

Financing that is granted by the Company is monitored periodically by the account officer who is in charge to handle the financing. The Company established financing monitoring policy that is conducted based on the factors that are used in the financing approval process. The Company also review the activities of the customer’s account to find out about the status of monthly margin payment and/ or principal payment. Furthermore, the Company also review the financial condition, compliance towards the financing agreement, the condition of the collateral, installment payment and settlements of non-performing financing issues. This review is conducted at least once a year.

b. Risiko Pasar Mengingat produk-produk Perseroan sebagai Bank Buku 1 masih sangat terbatas pada produk-produk perbankan syariah pada umumnya, maka Perseroan belum terekspos risiko pasar yang signifikan.

b. Market Risk Considering that the Company’s product as Bank BUKU 1 is still very limited to general sharia banking products, the Company hasn’t been exposed to significant market risk.

c. Risiko Likuiditas Risiko likuiditas adalah risiko akibat ketidakmampuan Perseroan. Permasalahan likuiditas tersebut dapat timbul akibat adanya ketidakcocokan sumber dana

c. Liquidity Risk Liquidity risk is the risk due to the inability of the Company. The liquidity issue may occur because of a maturity mismatch between asset and obligation.


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saat jatuh tempo (maturity mismatch) antara aset dan kewajiban.

Untuk memastikan kemampuan dalam memenuhi kewajiban kepada nasabah/counterparty, Perseroan menerapkan kebijakan pengelolaan likuiditas melalui alokasi penempatan pada Cadangan Primer (Primary Reserve dan alat likuid), Cadangan Sekunder (Secondary Reserve) dan Cadangan Tersier (Tertiary Reserve) berdasarkan kriteria dan limit tertentu.

To ensure the ability in fulfilling obligation toward the customer/counterparty, the Company applied liquidity management policy by placement allocation of the Primary Reserve (Primary Reserve and liquid tools), Secondary Reserve, and Tertiary Reserve based on certain criteria and limit.

Dalam mengantisipasi timbulnya risiko likuiditas, Perseroan memiliki kebijakan Rencana Pendanaan Darurat, yang berisi langkah-langkah yang harus dilakukan dalam rangka mengantisipasi dan menghadapi perubahan kondisi likuiditas harian, sehingga Perseroan dapat tetap memenuhi setiap kewajiban finansial yang sudah diperjanjikan secara tepat waktu dan menjaga kelangsungan proses bisnis. Perseroan melakukan pengukuran risiko likuiditas menggunakan Liquidity Risk Model dengan metodologi maturity gap. Dalam pengukuran tersebut juga dilakukan stress test untuk mengetahui tingkat kemampuan dalam menghadapi tekanan likuiditas pada kondisi pasar yang tidak normal.

To anticipate the emersion liquidity risk, the Company own Emergency Financing Plan policy which consists of steps that must be done in order to anticipate and deal with the daily change of liquidity condition. Therefore, the Company can still fulfill every financial obligation that have been promised in a timely manner and maintain the continuity of the business process. The Company conduct an assessment of liquidity risk using Liquidity Risk Model with the maturity gap model. In that assessment, stress test is also conducted to find out the level of capability in facing liquidity pressure in an abnormal market condition.

Di tengah kondisi eksternal yang belum stabil sebagai dampak perlambatan dan ketidakpastian ekonomi global, dan rencana Bank sentral Amerika Serikat menaikkan suku bunga Fed Funds Rate lebih agresif bisa berdampak negatif bagi sektor perbankan di Indonesia terutama pada tingkat likuiditas. Maka perlu ada upaya untuk mengendalikan risiko likuiditas tersebut. Untuk itu, menghimpun sumber dana dan peningkatan core deposits menjadi fokus utama antara lain melalui pengembangan produk, peningkatan pelayanan dan peningkatan loyalitas nasabah secara berkesinambungan. Hal tersebut dilakukan untuk memberikan keunggulan kompetitif yang dapat dinikmati segenap nasabah.

Due to the unstable external condition as the result of deceleration and uncertainty of global economy and the The Federal Reserve System, plans to raise the interest rates more aggressively could have a negative impact for the banking sector in Indonesia, especially at the level of liquidity. Thus need to have an effort to control the liquidity risk. To that end, gather resources and an increase in core deposits become a major focus among others through the development of products, enhanced customer service, and keep maintance the increase customer loyalty. his is done to give competitive edge that can be enjoyed by all customers.

Dalam mengantisipasi meningkatnya risiko likuiditas, upaya pengelolaan aset likuiditas dilakukan dengan lebih hati-hati sejalan dengan kondisi Financing to Deposit Ratio (FDR) sehingga kondisi likuiditas Perseroan secara keseluruhan dapat tetap terjaga.

To anticipate the increase of liquidity risk, the effort of liquidity asset management is conducted more carefully, in line with the condition of Financing to Deposit Ratio, so that the Company's overall liquidity condition can still be maintained.

d. Risiko Operasional Risiko operasional adalah risiko kerugian yang diakibatkan oleh proses internal yang kurang memadai, kegagalan proses internal, kesalahan manusia, kegagalan sistem, dan/atau adanya kejadian eksternal yang mempengaruhi operasional Perseroan. Di dalam mengelola risiko operasional, risk taking unit bertanggung jawab atas risiko yang terjadi pada unitnya masing-masing. Adapun tata cara

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d. Operational Risk Operational risk is the risk of loss resulting from inadequate internal processes, failure of internal processes, human error, system failure, and/or the presence of external events that affect the Company's operations. In managing operational risk, risk taking unit is responsible for the risk that occurred in their own unit. This procedure of risk control is regulated in the Company’s overall policy and in the procedure of

every unit.

pengendalian risiko tersebut diatur dalam kebijakan Perseroan secara menyeluruh dan prosedur pada setiap unit. Metode dan kebijakan dalam pengendalian risiko operasional dilaksanakan, di antaranya melalui pengkajian terhadap kebijakan, pedoman, dan prosedur pengendalian internal sesuai dengan kondisi perkembangan eksternal yang terkini; Pengkajian terhadap produk dan aktivitas baru; Pengkajian dan penerapan Disaster Recovery Plan sebagai langkah antisipatif atas kejadian internal maupun eksternal yang berpotensi menimbulkan kerugian; Tindakan korektif terhadap hasil temuan audit; dan untuk mengelola risiko operasional saat ini Perseroan telah menerapkan Modul Operational Risk Self Assessment (ORSA).

The method and policy in controlling operational risk is implemented, among others, through assessment towards policies, guidelines, and internal control procedure in accordance with the condition of the most recent external development; review of new products and activities; review and implementation of Disaster Recovery Plan as an anticipative step on internal or external incident that have the potential to cause loss; corrective action towards audit findings; and to manage operational risk, at the moment the Company has implemented the Operational Risk SelfAssessment (ORSA) Module.

Operational risk is managed sustainably through the establishment and evaluation of operational process and policies, among others are Operational Activities Guidelines and procedures for each types of activities/operations, both the transactional ones and the product related ones, including the regulation and minimum steps that must be done in order to perform standard and uniform operational activities that are still based on prudential banking practices. Furthermore, limit regulation and evaluation is also conducted, as well as periodic reporting, both monthly and quarterly, to the Board of Directors and the Board of Commissioners.

Pengelolaan risiko operasional secara berkelanjutan melalui penetapan dan evaluasi proses dan kebijakan operasional, di antaranya Pedoman Kegiatan Operasional (PKO) dan prosedur untuk masingmasing jenis kegiatan/operasional baik yang bersifat transaksional maupun yang terkait dengan produk, termasuk ketentuan dan langkah minimum yang mutlak harus dilakukan dalam rangka menjalankan kegiatan operasional yang standar dan seragam dengan tetap didasarkan pada prinsip kehatihatian (prudential banking practices). Selain itu, juga dilakukan pengaturan dan evaluasi limit, serta pelaksanaan pelaporan secara berkala baik bulanan maupun triwulanan kepada Direksi dan Dewan Komisaris.

e. Risiko Reputasi Risiko reputasi adalah risiko akibat menurunnya tingkat kepercayaan stakeholder yang bersumber dari persepsi negatif terhadap Perseroan. Untuk mitigasi risiko dari pemberitaan dan persepsi negatif, Perseroan secara rutin memantau berita di berbagai media massa. Untuk memastikan pengendalian risiko reputasi, telah dilakukan langkah antisipasi antara lain: Adanya Unit Kerja Pelayanan; Penggunaan Complain Tracking System untuk memonitor penyelesaian keluhan nasabah; Penerapan Service Level Agreement (SLA) di tiap unit kerja untuk memastikan standar waktu layanan; Kerja sama dengan pihak independen dalam melakukan survei pelayanan dibandingkan dengan pesaing; dan pelaksanaan pelatihan karyawan untuk dapat meningkatkan kualitas pelayanan.

e. Reputation Risk Reputation risk is the risk due to decreasing levels of stakeholder confidence originating from negatives perception of the company. To mitigate risk from negative reporting and negative perception, the Company regularly monitor the news in various mass media. To ensure the control of reputation risk, several anticipation steps have been made, such as: the existence of Service Working Unit; the use of Complain Tracking System to monitor the settlement of customer’s complaints; the implementation of Service Level Agreement (SLA) in every working unit to ensure service time standard; Cooperation with independent parties in conducting service surveys compared to competitors; and implementing employees training to improve the quality of service.

f. Risiko Hukum Risiko hukum adalah risiko akibat tuntutan hukum dan/atau kelemahan aspek yuridis. Risiko ini dapat disebabkan karena adanya gugatan hukum, ketiadaan

f. Legal Risk Legal risk is the risk due to litigation and/or weakness in the jurudical system. This risk may be caused by he existence of law suit, the absence of a clear legal and


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supportive law, or weakness in the contract, claim, or collateral.

hukum yang jelas dan mendukung, atau adanya kelemahan dalam kontrak, klaim, atau agunan.

Legal risk is managed to ensure that the entire activities and business activities relation with third parties have been based on rules and regulations that will protect the Company's interest from a legal perspective. Legal risk management is conducted by several divisions in accordance with its risk factor. Relation with the Company’s legal aspect is conducted by Legal Working Unit, financing is conducted by Legal and Financing Investigation Working Unit and relation with litigation that is caused by non performing financing is conducted by the Financing Restructuration and Settlement Division.

g. Risiko Kepatuhan Risiko kepatuhan adalah risiko akibat Perseroan tidak mematuhi dan/atau tidak melaksanakan peraturan perundang-undangan dan ketentuan yang berlaku serta prinsip syariah. Risiko ini dapat dimitigasi dengan upaya preventif, yaitu dengan penerapan budaya kepatuhan bagi seluruh karyawan dan setiap bagian di Perseroan yang merupakan nilai, perilaku dan tindakan yang mendukung terciptanya kepatuhan terhadap ketentuan dan peraturan perundang-undangan yang berlaku. Pengelolaan terhadap Risiko Kepatuhan dilakukan oleh Divisi Kepatuhan melalui evaluasi yang mendalam terhadap aspek kepatuhan.

g. Compliance Risk Compliance risk is the risk due to the Company does not comply with and/or implement regulations and legislation also the principles of sharia. This risks can be mitigated with preventive effort, which is by implementing compliance culture on all employees and all division in the Company's that is a value, behavior, and action that support the creation of compliance towards regulation and legislation in force. Compliance risk management is conducted by the Compliance Division through thorough evaluation towards compliance aspects.

Pengendalian terhadap risiko kepatuhan dikelola antara lain melalui evaluasi terhadap aspek kepatuhan terhadap peraturan perundang-undangan, ketentuan kehati-hatian dan ketentuan lain yang berlaku, di antaranya: 1. Risiko kredit terkait dengan ketentuan Kewajiban Pemenuhan Modal Minimum (KPMM), Kualitas Aset, Cadangan Kerugian Penurunan Nilai (CKPN) dan/atau Pembentukan Penyisihan Penghapusan Aset (PPA), dan Batas Maksimum Pemberian Kredit (BMPK). 2. Risiko likuiditas terkait dengan ketentuan Giro Wajib Minimum (GWM) 3. Risiko stratejik terkait dengan ketentuan Rencana Bisnis Bank (RBB). 4. Risiko lain yang terkait dengan ketentuan eksternal dan internal.

Selain itu, telah dilakukan penerapan program Know Your Customer (KYC) dan program Anti Pencucian Uang (Anti Money Laundering/AML) dan Pencegahan Pendanaan Terorisme, pelaksanaan pengkinian data nasabah melalui laporan berkala Suspicious

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Risiko hukum dikelola untuk memastikan bahwa seluruh aktivitas dan hubungan kegiatan usaha dengan pihak ketiga telah didasarkan pada aturan dan persyaratan yang dapat melindungi kepentingan Perseroan dari segi hukum. Pengelolaan risiko hukum dilakukan oleh beberapa divisi sesuai dengan faktor risikonya. Terkait dengan aspek hukum perusahaan dilakukan oleh Unit Kerja Legal, pembiayaan dilakukan oleh Unit Kerja Legal dan Investigasi Pembiayaan, terkait dengan litigasi yang diakibatkan oleh pembiayaan bermasalah dilakukan oleh Divisi Restrukturisasi dan Penyelesaian Pembiayaan.


Control towards compliance risk is managed, among others, through evaluation towards compliance rules to regulations and legislation, prudential principles, and other regulations in force, such as: 1. Credit risk regarding Capital Adequacy Ratio, Asset Quality, Allowance for Impairment Losses and / or establishment of Asset Elimination Allowance and Legal Lending Limit regulation.

2. Liquidity risk regarding the Statutory Reserves Requirements regulation. 3. Strategic risk regarding the Bank Business Plan regulation. 4. Other risks that are related with external and internal regulations Furthermore, implementation of Know Your Customer (KYC) and Anti Money Laundering (AML) and Prevention of Terrorism Funding have been conducted, implementation of customers’ data updating through periodic report of Suspicious Transaction Report (STR)

and Cash Transaction Report (CTR) is conducted continuously, as well as suspicious transaction monitoring through cooperation with Financial Transactions Reports Analysis Center.

Transaction Report (STR) dan Cash Transaction Report (CTR) dilakukan berkelanjutan, serta adanya pengawasan transaksi yang mencurigakan melalui kerja sama dengan Pusat Pelaporan Analisis Transaksi Keuangan (PPATK). h. Risiko Stratejik Risiko stratejik adalah risiko akibat ketidaktepatan dalam pengambilan dan/atau pelaksanaan suatu keputusan stratejik serta kegagalan dalam mengantisipasi perubahan lingkungan bisnis.

h. Strategic Risk Strategic risk is the risk due to the inaccuracy in the decision and / or implementation of a strategic decision and the failure to anticipate changes in the business environment.

Pengelolaan risiko stratejik mewajibkan Perseroan untuk mengidentifikasi, mengukur dan memitigasikan risiko-risiko yang berkaitan dengan keputusan strategis yang kurang efektif serta kegagalan dalam mengantisipasi perubahan eksternal. Untuk mengelola risiko tersebut, Dewan Komisaris dan Direksi telah mengembangkan rencana strategis yang berfungsi sebagai cetak biru pengembangan usaha 3 (tiga) tahun ke depan.

Selain itu, juga telah ditunjuk Divisi Perencanaan Strategis dan Manajemen Penjualan yang mengkoordinasikan dan memantau program pengembangan dan perencanaan bisnis. Identifikasi risiko stratejik dilakukan secara berkala sesuai dengan pengalaman pada masa lalu yang disebabkan oleh risiko stratejik. Pengendalian risiko stratejik diantaranya dilakukan melalui monitoring pencapaian rencana bisnis secara periodik dan dilanjutkan dengan mitigasi atas faktor penyebab kegagalan.

Strategic risk management requires the Company to identify, assess and mitigate risks that are related to strategic decision that are less effective and to failure in anticipating external changes. To manage this risk, the Board of Commissioners and the Board of Directors have develop strategic plans which function as the business development blue print for the next 3 (three) years.

Furthermore, they also appointed Strategic Planning Division and Sales Management that coordinate and monitor development program and business planning. Strategic risk identification is conducted periodically in accordance to experience in the past that was caused by strategic risk. Strategic risk management is conducted, among others, by periodically monitoring business plan achievement and followed by mitigating the factors for cause of failure.

i. Risiko Imbal Hasil Risiko Imbal Hasil adalah Risiko akibat perubahan tingkat imbal hasil yang dibayarkan Perseroan kepada nasabah, karena terjadi perubahan tingkat imbal hasil yang diterima Bank dari penyaluran dana, yang dapat mempengaruhi prilaku nasabah dana pihak ketiga.

i. Yield Risk Yield risk is risk that occur as the result of change in the level of yield that are paid by Company towards the customers which is caused by a change in the level of yield that the Company accepted from fund distribution that can effect the behavior of third party funds customer.

Perseroan telah memiliki kebijakan dan prosedur penetapan limit risiko yang disesuaikan dengan tingkat risiko yang diambil terhadap risiko imbal hasil. Limit risiko tersebut mencakup limit secara keseluruhan, limit per jenis risiko, dan limit per aktivitas fungsional tertentu.

The Company have policies and procedure of risk limit determination that are adjusted to the level of risk that is taken against yield risk. This risk limit includes overall limit, limit per type of risk and limit per certain functional activity.

Pelaksanaan kerangka kerja risiko imbal hasil dilakukan dalam tahapan proses yang terpadu dan terdiri proses identifikasi, pengukuran, pemantauan, serta pengendalian risiko. Identifikasi dapat dilakukan melalui pengenalan karakter nasabah non core deposit, analisis kewajiban on balance sheet, benchmark tingkat bagi hasil dengan bank syariah lainnya, kualitas pembiayaan bagi hasil dan

Implementation of yield risk framework is conducted in an integrated stage process and consists of risk identification, risk assessment, risk monitoring and risk control. Identification can be done by identifying the character of non core deposit customers, analyzing obligation on balance sheet, benchmark of profit sharing level with other sharia banks, quality of profit sharing financing and movement of BI rate.


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Meanwhile, measurement is done through stress test, yield risk review, analysis on the gap on sensitivity level of assets margin and liabilities ratio, non-core deposit customers concentration on total third party funds, monthly risk profile and quarterly risk profile. Monitoring is conducted by the Risk Management Committee, Risk Monitoring Committee, Assets and Liability Committee, and monitoring the Return on Asset (ROA) achievement. Control is conducted through the strategy to increase core deposit fund or funds that are not sensitive towards change in market interest rate as well as increasing financing with high margin or profit generating strategy.

pergerakan BI rate. Sementara itu, untuk pengukuran dilakukan melalui stress test, kajian risiko imbal hasil, analisis gap tingkat sensitivitas margin aktiva dan nisbah bagi pasiva, konsentrasi nasabah non core deposit terhadap total DPK, profil risiko bulanan, dan profil risiko triwulanan. Pemantauan dilakukan melalui Komite Manajemen Risiko, Komite Pemantau Risiko, Komite ALCO, dan pemantauan pencapaian return on asset (ROA). Pengendalian dilakukan melalui strategi meningkatkan dana core deposit atau dana yang tidak sensitif terhadap perubahan suku bunga pasar, serta peningkatan pembiayaan dengan margin tinggi atau strategi menghasilkan laba. j. Risiko Investasi Risiko Investasi adalah risiko akibat Perseroan ikut menanggung kerugian usaha nasabah yang dibiayai dalam pembiayaan berbasis bagi hasil baik menggunakan metode net revenue sharing maupun yang menggunakan metode profit and loss sharing.

j. Investment Risk Investment risk is a result of the Company underwriting the business loss of customers who are financed in a financing that is based on profit sharing, both using the net revenue sharing method or profit and loss sharing method.

Perseroan telah memiliki Kebijakan Manajemen Risiko Investasi yang memadai dan melakukan review limit secara berkala. Pelaksanaan kerangka kerja risiko kepatuhan di Perseroan dilakukan dalam tahapan proses yang terpadu dan terdiri proses identifikasi, pengukuran, pemantauan, serta pengendalian risiko.

The Company own appropriate Investment Risk Management Policy and periodically review limit. Implementation of compliance risk framework in the Company is conducted in an integrated stage process that consists of identification, assessment, monitoring and risk control process.

Identifikasi dilakukan melalui jumlah pembiayaan bagi hasil, analisis risiko produk dan aktivitas baru, kondisi sektor ekonomi pada pembiayaan bagi hasil, kualitas pembiayaan bagi hasil. Pengukuran meliputi proses pengukuran dengan menggunakan parameter yang telah ditentukan, opini manajemen risiko, stress test, asumsi dan kajian risiko investasi, profil risiko bulanan dan profil risiko triwulan. Pemantauan dilakukan melalui Komite Manajemen Risiko dan Komite Pemantau Risiko, serta Komite ALCO yang dilakukan secara berkala. Pengendalian dilakukan melalui penetapan target batasan risiko konsentrasi sektor bisnis atas pembiayaan bagi hasil dan batas rasio konsentrasi pembiayaan berbasis bagi hasil kualitas rendah.

Identification is conducted through the amount of profit sharing financing, analysis on new products and activities, the condition of economic sector on profit sharing financing, and the quality of profit sharing financing. Assessment includes assessment process using determined parameters, risk management opinion, stress test, investment risk assumption and review, monthly risk profile and quarterly risk profile. Monitoring is conducted through the Risk Management Committee and Risk Monitoring Committee, as well as Assets and Liabilities Committee that is done periodically. Control is conducted by determining the risk limitation target on business sector concentration on profit sharing financing and ratio limitation on financing concentration based on low quality profit sharing.

Dengan berbagai langkah, kebijakan dan strategi yang dilakukan dalam manajemen risiko, maka dapat disimpulkan pengelolaan sistem manajemen risiko pada Perseroan mengacu kepada POJK No.65/POJK.03/2016 Tentang Penerapan Manajemen Risiko bagi Bank Umum Syariah, yakni dengan melakukan proses identifikasi, pengukuran, pemantauan dan pengendalian terhadap 10 (sepuluh) jenis risiko. Output atas proses tersebut dituangkan dalam bentuk laporan profil risiko secara bulanan dan triwulanan yang menjadi bahan masukan terhadap Direksi.

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Through various steps, policies and strategies that are conducted in risk management, it can be concluded that supervision on the risk management system in the Company refers to the Regulation of Financial Services Authority No.65/POJK.03/2016 regarding the Implementation of Risk Management on Sharia Commercial Bank, which is by conducting identification, assessment, monitoring, and control process towards 10 (ten) types of risks. The output of this process is poured in the form of monthly and quarterly risk profile report that became an input for the Board of Directors.

Sistem Pengendalian Intern

Internal Control System

Sistem pengendalian internal Perseroan dilaksanakan untuk memastikan dan meyakini bahwa aktivitas Perseroan telah berjalan sebagaimana yang telah direncanakan dalam mencapai tujuan utama Perseroan. Hal ini tercermin pada kebenaran dan keakuratan laporan yang dihasilkan, baik yang berupa laporan keuangan maupun kinerja operasional yang terukur dan sesuai dengan target serta tujuan utama Perseroan. Adapun upaya pengendalian internal yang dilakukan bersifat preventif (ex-ante) maupun (ex-post) agar mampu mendeteksi kelemahan dan penyimpangan yang terjadi secara tepat waktu.

The Company's internal control systems implemented to ensure and believe that the activities of the Company has been running as planned in achieving the main objectives of the Company. This is reflected on the truth and accuracy of the reports generated, either in the form of financial statements and operating performance are measured and in accordance with the targets and objectives of the Company. As for the internal control efforts undertaken preventive (ex-ante) or (ex-post) to be able to detect weaknesses and fraud that occur on timely.

Sistem pengendalian internal dilakukan Perseroan dengan menerapkan Metode Three Lines Of Defense. Metode Three Lines Of Defense memiliki 3 (tiga) lapis pertahanan, yakni:

The Company's internal control system carried out by applying methods Three Lines Of Defense. Three Lines Of Defense Methods have 3 (three) layers of defense, namely:

1. Pertahanan lapis pertama dilaksanakan oleh setiap unit kerja sebagai risk owner (risk taking unit) yang melakukan aktivitas operasional perusahaan seharihari. 2. Pertahanan lapis kedua dilaksanakan oleh Satuan Kerja Manajemen Risiko (SKMR) dan Satuan Kerja Kepatuhan (SKK). 3. Pertahanan lapis ketiga dilaksanakan oleh auditor baik auditor internal maupun auditor eksternal.

1. Defense of the first layer is implemented by each unit as risk owner (risk-taking units) that perform activities of daily company operations.

Dasar Acuan Dalam rangka menerapkan sistem pengendalian internal yang menyeluruh dan efektif, Perseroan mengacu pada ketentuan yang berlaku dan praktik terbaik di industri perbankan, khususnya perbankan syariah. Sistem ini juga mengacu pada kerangka internasional yang diterbitkan Committee of Sponsoring Organizatition (COSO) of the Treadway Commission. Mengacu pada kerangka tersebut, Perseroan dalam Sistem Pengendalian Internal menerapkan hal, sebagai berikut:

Basis of Reference In order to implement internal control systems are effective and comprehensive, the Company refers to the applicable regulations and best practices in the banking industry, particularly sharia banking. The system also refer to the published international framework the Committee of Sponsoring Organizatition (COSO) of the Treadway Commission. Referring to this framework, the Company in implementing the internal control system, as follows:

1. Lingkungan Pengendalian, aktivitas tersebut

1. Environmental Control, the activity of which is realized with the organizational structure has been made, the granting of authority and responsibility, as well as the furnishing with various policies.

direalisasikan diantaranya dengan telah dibuatnya struktur organisasi, pemberian wewenang dan tanggung jawab, serta dilengkapinya dengan berbagai kebijakan. 2. Penaksiran Risiko, aktivitas tersebut membantu mengidentifikasi entitas dan analisis terhadap risiko yang relevan untuk mencapai tujuan Perseroan. Direalisasikan dengan adanya Divisi Kepatuhan dan Manajemen Risiko. 3. Aktifitas pengendalian, aktifitas tersebut membantu memastikan pengambilan tindakan yang diperlukan untuk menanggulangi risiko dalam pencapaian tujuan perseroan. Direalisasikan dengan telah adanya sub organisasi Internal Control dan SKAI.

2. The second layer of Defense carried out by the Risk Management Unit and Compliance Unit. 3. The third layer of Defense carried out by auditors both internal auditors and external auditors.

2. Risk Assessment, these activities help to identify the entity and an analysis of relevant risks to achieving corporate objectives. Realized with the Compliance and Risk Management Division. 3. Activity of control, these activities help to ensure taking the necessary measures to cope with the risks in achieving the goals of the company. Realized by having sub-organization of the Internal Control and Internal Audit.


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4. Informasi dan Komunikasi, aktifitas tersebut berupa

pengumpulan informasi hasil pemeriksaan (SKAI dan SAC) yang berupa laporan Hasil Pemeriksaan yang kemudian dibahas dalam Komite Audit. 5. Pemantauan/monitoring, aktivitas tersebut

merupakan monitoring terhadap pelaksanaan tindak lanjut oleh Direksi atas hasil temuan audit dan/atau rekomendasi dari hasil pengawasan OJK, Auditor Intern, DPS, dan/atau Auditor Ekstern.

Evaluasi Atas Efektivitas Sistem Pengendalian Internal Evaluasi dan Efektifitas Sistem Pengendalian Internal dilakukan secara berkala oleh Satuan Kerja Kepatuhan (SKK), Satuan Kerja Manajemen Risiko (SKMR) dan Satuan Kerja Audit Intern (SKAI). Perseroan juga memiliki FORUM INTERCONS yang memadukan 3 (tiga) fungsi Satuan Kerja yakni SKK, SKMR dan SKAI untuk membahas hasil temuan SKAI dan mencari akar permasalahan serta solusi yang akan dilakukan untuk penyelesaian permasalahan yang ada, sehingga tidak terjadi lagi temuan berulang. Hasil FORUM INTERCONS juga digunakan sebagai bahan evaluasi terhadap efektifitas Sistem Pengendalian Internal yang sudah dijalankan.

Evaluation on the effectiveness Internal Control System Evaluation and Effectiveness of Internal Control Systems conducted periodically by the Compliance Unit, Risk Management Unit and the Internal Audit Task Force. The Company also has INTERCONS FORUM that combines 3 (three) functions namely Compliance Unit, Risk Management Unit and Internal Audit Unit to discuss findings and look for root causes, and solutions will be made for the settlement of the existing problems, so it does not happen again repeated findings. Results INTERCONS FORUM also be used as an evaluation of the effectiveness of internal Control System was run.

Berdasarkan hasil audit/review terhadap operasional Perseroan dan audit lainnya, dapat disimpulkan bahwa pengendalian internal pada Perseroan secara umum sudah cukup memadai, efektif, dan efisien.

Based on the results of the audit/review of the Company's operations and other audits, it can be concluded that the internal controls over the Company in general is adequate, effective, and efficient.

Perkara Hukum

Lawsuit

Sepanjang 2016, Perseroan tidak memiliki perkara/ gugatan hukum. Serta, tidak terdapat sanksi administrasi yang dikenakan oleh otoritas terkait, baik pada Perseroan, anggota Dewan Komisaris, maupun Direksi.

Throughout 2016, the Company did not have a case/ lawsuit. There are also no administrative penalties imposed by the relevant authorities, both on the Company, the Board of Commissioners, and the Board of Directors.

AKSES INFORMASI DAN DATA PERUSAHAAN

ACCESS TO INFORMATION AND COMPANY DATA

Sebagai bagian dari penerapan tata kelola perusahaan yang baik, Perseroan selalu memberikan informasi dan data kepada publik. Salah satu kanal yang digunakan adalah melalui website www.syariahbukopin.co.id, yang memuat beberapa informasi dan data, seperti: l Publikasi data keuangan secara bulanan (neraca, laporan laba rugi, dan laporan komitmen dan kontijensi), triwulan, serta tahunan yang dapat diakses secara langsung oleh publik. l Laporan good corporate governance (GCG). l Profil perusahaan. l Profil pejabat eksekutif/manajemen .

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4. Information and Communication, the activity was collecting information on the results of the examination (Internal Audit Task Force and Internal Control) in the form of a report audit results are then discussed in the Audit Committee. 5. Monitoring, the activity is the monitoring of the implementation of the follow-up by the Board of Directors on the audit findings and/or recommendations of the supervision of the FSA, Internal Auditor, Sharia Supervisory Board, and / or External Auditor.


As part of the implementation of good corporate governance, the Company always provide information and data to the public. One of the channels for spreding the information is by using website www.syariahbukopin. co.id, which contains some information and data, such as: l Publication of financial data on a monthly basis (balance sheet, income statement, and statement of commitments and contingencies), quarterly, and yearly which can be accessed directly by the public. l Report of good corporate governance (GCG). l Company profile. l Profiles executive officer / management.

l Produk, jaringan kantor, dan automatic teller machine l l l l

(ATM). Karier. Berita atau kegiatan corporate social responsibility (CSR). Kegiatan atau kegiatan bersama yang dilakukan perbankan syariah. Tanya jawab.

l Products, office networks, and automatic teller

machine (ATM). l Career. l News or corporate social responsibility (CSR). l Activity or event jointly conducted sharia banking. l Frequent Asked Questions (FAQ).

Selain website, Perseroan juga memberikan informasi dan data perusahaan melalui media massa, seperti press conference, press release, dan laporan triwulan yang dipublikasi di media cetak. Informasi diberikan melalui mailing list bagi publik yang bertanya melalui email Perseroan, kemudian dijawab secara langsung oleh administrator dari mailing list.

Beside using the website, the Company also provides information and corporate data through the mass media, such as press conferences, press releases, and quarterly reports which published in media. Information is also provided via a public mailing list for people who ask through Company's email, which will be answered directly by the administrator of the mailing list.

Akses informasi dan data Perseroan juga diberikan oleh Perseroan melalui kegiatan/event seperti Investor Gathering dan Business Gathering yang dilaksanakan setiap setahun sekali. Publik juga diberikan akses informasi melalui media sosial yang di miliki oleh Perseroan, seperti Twitter (@BSyariahBukopin), Facebook (BankSyariahBukopin), Instagram (@Bank_ SyariahBukopin), dan path (Bank Syariah Bukopin)

Access to information and corporate data is also provided by Company through activities / events such as Investor Gathering and Business Gathering which held once a year. The public was also given access to information through social media channel owned by the Company, such as Twitter (@BSyariahBukopin), Facebook (BankSyariahBukopin), Instagram (@Bank_ SyariahBukopin), and Path (Bank Syariah Bukopin).

Tidak hanya itu, Perseroan juga mempunyai sebuah majalah yang terbit setiap 2 (dua) bulan sekali. Media tersebut yang memuat informasi kegiatan/event yang dilaksanakan oleh Perseroan, baik di kantor pusat maupun kantor cabang. Data keuangan seperti aset, dana pihak ketiga (DPK) dan pembiayaan yang diberikan oleh Perseroan juga diinformasikan kepada publik melalui media internal tersebut.

Not only that, the Company also create magazine published every 2 (two) months. This media contains information on the activities / events undertaken by Company, both at headquarters and branch offices. The financial data such as assets, third party funds and the financing provided by Company also informed to the public through the internal media.

BAHASAN MENGENAI KODE ETIK

CODE OF ETHIC REVIEW

Nama baik dan martabat Perseroan harus selalu dijaga dengan baik. Untuk itu, segenap insani dan jajaran di Perseroan memiliki kewajiban untuk selalu menjunjung tinggi kehormatan dirinya serta perusahaan. Kewajiban ini tertuang dalam peraturan Perseroan pada BAB III Pasal 18 tentang Kode Etik.

The Company’s good name and dignity must be maintained properly. Therefore, all the member of the Company has an obligation to uphold the honor of himself and the Company. These obligations are set out in the company regulations in Chapter III of Article 18 of Code of Conduct.

Pada dasarnya, kode etik yang disusun berlaku untuk semua level di organisasi. Kode etik ini juga untuk memandu perilaku seluruh jajaran dalam menjalankan kegiatan bisnis dan operasional sehari-hari. Pada tataran praktiknya untuk membudayakan kode etik tersebut, Perseroan menerapkan langkah, antara lain:

Basically, the code of conduct drawn up applies to all levels in the organization. The code to guide the behavior of the whole range in carrying out business activities and daily operations. At the level of practice to cultivate code of conduct, the Company is implementing measures, among others:

l Pembuatan Peraturan Perusahaan Perseroan yang

l The Making of the Company’s regulations were

disahkan oleh Kementerian Ketenagakerjaan Republik Indonesia.

approved by the Ministry of Labor of Republic of Indonesia.


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l Penyebaran informasi kode etik dimulai pada hari

l Dissemination of the code of conduct information

pertama karyawan baru masuk. Sosialisasi dilakukan dengan cara memberikan buku Peraturan Perusahaan kepada seluruh unit kerja di Perseroan untuk dapat dibaca dan dipahami. Setiap karyawan dapat mengajukan pertanyaan bila ada yang belum jelas. l Setiap karyawan baru akan mendapatkan Induction Training, di mana salah satu materinya membahas dan mendiskusikan kode etik Perseroan sehingga pemahaman karyawan akan semakin baik. l Dilakukannya sosialisasi dan monitoring secara berkala oleh bagian anti fraud guna terjaganya perilaku baik dari seluruh jajaran. l Atasan memantau dan mengawasi secara intensif kedisiplinan karyawan termasuk pelaksanaan tugas dan tanggung jawab sesuai Standar Operasi Prosedur Pedoman Kegiatan Operasi.

begins on the first day of the new employee entrance. Socialization start by giving books about the Company rules to all work units of the Company to be able to read and understand. Each employee can ask questions if there are not clear. l Every new employee will get Induction Training, which one of the material discuss the code of conduct so that employees will have better understanding.

Jenis dan Penerapan Sanksi Jenis sanksi yang diberikan untuk setiap jenis pelanggaran dilihat dari ringan atau beratnya dampak pelanggaran yang ditimbulkan. Sanksi paling ringan adalah teguran lisan, diikuti dengan teguran tertulis, Surat Peringatan pertama, kedua, dan ketiga, kemudian sanksi skorsing dan terberat adalah pemutusan hubungan kerja. Apabila terjadi pelanggaran, maka akan dilakukan tindakan berdasarkan data dan fakta oleh tim yang terdiri dari Satuan Kerja Audit Intern, Anti Fraud dan SDI. Hasil dari investigasi/tindakan diputuskan dalam Rapat Komite SDI/Personnel Committee Pusat Sepanjang 2016 terjadi 2 (dua) kali pelanggaran ringan dan sedang, dan telah diselesaikan sesuai ketentuan.

Penalty Type and Application The type of penalty given for each infraction can be judge by the light or the severity impact caused from the offense. The lightest sanction is a verbal warning, followed by a written warning. Followed by first warning letters, second and third, and the toughest penalty are suspension and termination of employment. In case of infringement, action may be taken based on data and facts by Internal Audit Task Force, Anti-Fraud and SDI. Results of investigation/action decided in the Human Resource Committee Meeting/Center of Personnel Committee. Throughout 2016 occurred 2 (two) times light and moderate infringements, and has been resolved according to regulations.

Nilai-Nilai Perusahaan Nilai-nilai Perusahaan yang menjadi inti dari pengembangan budaya Perusahaan adalah sebagai berikut: 1. Amanah; 2. Tanggap; 3. Kualitas; 4. Peduli; 5. Kerjasama.

Corporate Values Corporate values which became the core of corporate culture among others are:

WhistleBlowing System

WhistleBlowing System

Terkait dengan penyampaian laporan pelanggaran, Perseroan telah melakukan sosialisasi Strategi Anti Fraud dan WBS yang dilaksanakan baik di Kantor Pusat maupun Kantor Cabang, dengan penyampaian secara langsung maupun dengan media cetak (poster dan majalah internal perusahaan), serta media elektronik. Penyampaian/ laporan pelanggaran dapat disampaikan melalui media yang telah disediakan, di antaranya adalah: l E-mail : [email protected] l SMS : 0823 64 500 666

Related with the delivery of infringement report, the Company has conducted socialization on Anti Fraud Strategy and Whistleblowing System (WBS) that was implemented well in the Head Office and Branch Office, both with direct delivery and Print Media (Poster and the Company’s Internal Magazine), and Electronic Media. Infringement report is delivered through channels that the Company has provided, such as: l E-mail : [email protected] l SMS : 0823 64 500 666


l Having socialization and monitoring periodically by

the anti-fraud section for the preservation of good behavior of the whole range. l Senior Staf intensively monitor and supervise employees discipline including duties and responsibilities according to Standard Operating Procedures / Guidelines Operations.

1. Trustwhorty; 2. Responsiveness; 3. Excellence; 4. Carring; 5. Teamwork.

l Fax : 021 3190 8529 l PO Box : 2934 JKP 10029

l Fax l PO Box

: 021 3190 8529 : 2934 JKP 10029

Perlindungan bagi Whistleblower Perlindungan bagi Whistleblower yang diterapkan Perseroan adalah dengan merahasiakan identitas dan keberadaan bagi Whistleblower yang mengadukan suatu kejadian.

Protection for the Whistleblower Protection implemented by the Company is by maintaining the secrecy of the identity and existence of the Whistleblower that snitch on an incident.

Penanganan pengaduan Penanganan pengaduan dilakukan dengan mengumpulkan bukti dan keterangan sebagai pendukung dalam melaksanakan proses investigasi dan penyelesaian masalah yang diadukan. Hal ini dilakukan untuk mendapatkan kesimpulan dan usulan pemberian sanksi yang tepat sesuai dengan kadar kesalahan.

Handling of complaints Handling of complaints are done by collecting evidence and information as support in conducting the process of investigation and settlement of the issue. This is needed to get conclusion and suggestion for the appropriate sanction in accordance with the level of error. Usually complaints done through the Whistleblower media are related to internal parties.

Pihak yang mengelola Pengaduan Pengelolaan pengaduan pada saat ini masih dirangkap dan merupakan sub ordinat pada SKAI.

Parties that manage Complaints Complaints management is currently still double post and a sub ordinate in the Internal Audit Task Force.

Jumlah Pengaduan Sepanjang 2016 tidak terdapat pengaduan.

Number of Complaints There are no complaints received in 2016.

Keberagaman Komposisi Dewan Komisaris dan Direksi

Composition Diversity of Board Commissioners and board of Directors

Dalam Pedoman Pelaksanaan GCG, Perseroan sesuai dengan Surat Keputusan No.043/SKEP-DIR/BSB-JKT/ IV/2010 dijelaskan bahwa Kriteria Dewan Komisaris disusun oleh Komite Remunerasi dan Nominasi, dan disahkan oleh pemegang saham. Sedangkan, Kriteria Direksi adalah mayoritas anggota Direksi paling kurang memiliki pengalaman lima tahun di bidang operasional sebagai Pejabat Eksekutif Bank dan kriteria lainnya disusun oleh Komite Remunerasi dan Nominasi yang kemudian disahkan oleh Dewan Komisaris.

In the Guidelines for the Implementation of GCG, the Company in accordance with the Decree No.043 / SKEPDIR / BSB-JKT / IV / 2010 explained that the criteria drawn up by the Board of Commissioners Remuneration and Nomination Committee, and approved by shareholders. Meanwhile, Board of Directors criteria is a majority member of the Board of Directors, have at least five years of experience in the field of operations as Executive Officer of the Bank and other criteria drawn up by the Remuneration and Nomination Committee which was then endorsed by the Board of Commissioners.

Pemenuhan Pelaksanaan Prinsip Syariah

Fulfillment in the implementation of Sharia principles

Bank syariah wajib berpedoman dan memenuhi prinsipprinsip syariah yang tertuang dalam Fatwa Dewan Syariah Nasional-Majelis Ulama Indonesia (DSN-MUI) dan opini Dewan Pengawas Syariah (DPS), dalam kegiatan operasional Perseroan, baik penghimpunan dana, pembiayaan, maupun jasa. Hal ini dilakukan agar terhindar dari hal-hal yang mengandung unsur riba, gharar, maysir, zalim, dan usaha yang haram.

Sharia banks must endeavor and meet sharia principles set out in the Fatwa from National Sharia Board -Indonesian Ulema Council and the opinion of the Sharia Supervisory Board, in the operations of Company's, both fund-raising, financing, and services. This is done to avoid the things that contain elements of riba, gharar, maysir, unjust and illegitimate businesses.

Pemenuhan prinsip syariah dalam produk penghimpunan dana bank syariah tercermin dari penggunaan akad

Fulfillment of sharia principles in product fundraising in sharia banks is reflected in the use of contract wadiah


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wadiah dan mudharabah. Sementara, prinsip syariah dalam produk pembiayaan diterapkan dalam pembiayaan dengan mempergunakan akad jual beli (murabahah dan Istishna’), akad bagi hasil (mudharabah dan musyarakah) dan akad sewa (Ijarah), serta akad qardh. Sedangkan, pemenuhan prinsip syariah yang dilakukan dalam kegiatan pelayanan jasa dengan mempergunakan, antara lain akad kafalah dan wakalah.

and mudaraba. Meanwhile, sharia principles in financing products applied in financing by means of sale and purchase agreement (murabaha and Istishna ‘), the contract for the results (profit and loss sharing) and the contract lease (Ijara), as well as qardh. And also, the compliance with sharia principles performed in services activities by using, among other things kafalah contract and wakalah.

Penanganan Benturan Kepentingan

Conflict of Interest Handling

Sepanjang 2016, tidak terdapat transaksi yang mengandung benturan kepentingan pada Perseroan.

Throughout 2016, there are no transactions that conflict of interest to the Company.

Penerapan Fungsi Kepatuhan Bank

Implementation of the Bank’s Compliance Function

Penerapan fungsi kepatuhan sepanjang 2016, tertuang dalam Rencana Kerja Divisi Kepatuhan Tahun 2016. Program-program yang dirancang dan dilaksanakan diharapkan memberikan kontribusi dan nilai lebih bagi perusahaan, sehingga menjadi bank syariah yang tumbuh dan berkembang dengan sehat dan kuat. Adapun program dan langkah yang dilakukan, sebagai berikut: l Penguatan dari segi Governance Structure dan Governance Process guna perbaikan Governance Outcome pada GCG Perseroan. l Membuat pedoman dan mengembangkan sistem Compliance Checklist guna memastikan permohonan pengajuan izin sesuai dengan peraturan yang berlaku. l Melakukan review dan penyempurnaan atas kelengkapan kebijakan internal agar sesuai dengan peraturan regulator terkini dengan melakukan mapping terhadap peraturan internal baik bisnis maupun operasional. l Penyempurnaan Compliance Test untuk mengukur kompetensi karyawan terhadap regulasi yang terkait dengan unit kerjanya (bisnis dan operasional).

The implementation of compliance function throughout 2016 is poured in the Compliance Division Work Plan of 2016. Designed and implemented programs are expected to give contribution and added value for the Company to be a sharia bank that grow and develop strongly and healthy. Programs and steps implemented are as follows:

l Peningkatan sistem APU-PPT (Anti Pencucian Uang

dan Pencegahan Pendanaan Terorisme). l Penyempurnaan website kepatuhan dengan membuat

parameter baru pada sistem yakni penambahan field untuk input ketentuan OJK. Tugas dan Tanggung Jawab Direktur Kepatuhan Mengacu pada Peraturan Bank Indonesia (PBI) Nomor 13/2/PBI/2011 Perihal Pelaksanaan Fungsi Kepatuhan Bank Umum disebutkan bahwa tugas dan tanggung jawab Direktur Kepatuhan adalah sebagai berikut: l Merumuskan strategi guna mendorong terciptanya Budaya Kepatuhan; l Mengusulkan kebijakan kepatuhan atau prinsipprinsip kepatuhan yang akan ditetapkan oleh Direksi;

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l Strengthening from the aspect of Governance

Structure and Governance Process to improve Governance Outcome in the Company’s GCG. l Create guidelines and develop Compliance Checklist system to ensure that application for license issuance is in accordance with applied regulations. l Conduct review and improvement on the completeness of internal policies to conform to the most recent regulator rules by conducting mapping towards internal rules, both business and operational. l Improvement of Compliance Test to assess the

competence of employees towards regulations that are related to their working unit (business and operational). l Improvement of Anti Money Laundering and Counter Terrorism Financing. l Improvement of compliance website by establishing new parameters in the system, which adding fields for input on provision of Finance Services Authority. Duties and Responsibilities of the Compliance Director Referring to Bank Indonesia Regulation Number 13/2/ PBI/2011 regarding the Implementation of Commercial Bank’s Compliance Function, it is stated that the duties and responsibilities of the Compliance Director are as follows: l Formulate strategy to encourage the creation of Compliance Culture; l Propose compliance policies or compliance principles that will be determined by the Board of Directors;

l Menetapkan sistem dan prosedur kepatuhan yang

l

l l

l

akan digunakan untuk menyusun ketentuan dan pedoman internal Perseroan; Memastikan bahwa seluruh kebijakan, ketentuan, sistem, dan prosedur, serta kegiatan usaha yang dilakukan Perseroan telah sesuai dengan ketentuan Bank Indonesia dan peraturan perundang-undangan yang berlaku, termasuk prinsip syariah bagi Bank Umum Syariah dan Unit Usaha Syariah; Meminimalkan risiko kepatuhan Perseroan; Melakukan tindakan pencegahan agar kebijakan dan/atau keputusan yang diambil Direksi Perseroan atau pimpinan Kantor Cabang Bank Asing tidak menyimpang dari ketentuan Bank Indonesia dan peraturan perundang-undangan yang berlaku; Melakukan tugas-tugas lainnya yang terkait dengan Fungsi Kepatuhan.

l Establish compliance system and procedure that will

l

l l

l

be used to set the Company's internal regulations and guidelines; Ensure that the entire policies, regulations, system, and procedure, as well as business activities conducted by the Company are in accordance with Bank Indonesia Regulation and applicable law and regulations, including the sharia principles for Sharia Commercial Bank and Sharia Business Unit; Minimize the Company’s Compliance Risk; Conduct preventive measure so that the policies and/ or decision that are taken by the Company's Board of Directors or Head of Foreign Bank Branch Office will not deviate from Bank Indonesia Regulation and applicable law and regulations; Conduct other duties that are related to the Compliance Function.

Batas Maksimum Penyaluran Dana

Legal lending Limit

Sesuai dengan ketentuan Bank Indonesia (BI) dalam Peraturan Bank Indonesia (PBI) No.8/13/PBI/2006 tentang Batas Maksimum Pemberian Kredit (BMPK), Perseroan selalu menjaga agar ketentuan ini tidak dilanggar dalam memberikan pembiayaan kepada nasabah, baik yang terkait maupun yang tidak terkait.

In accordance with the provisions of Bank Indonesia in Bank Indonesia Regulation Number 8/13/ PBI/2006 regarding Legal Lending Limit, the Company always keep these provisions not violated in providing financing to customers, whether related or unrelated.

Untuk mengantisipasi agar BMPK ini tetap dipatuhi, Perseroan melakukan langkah-langkah sebagai berikut:

To anticipate this lending limit still comply, the Company perform the following steps:

1. Divisi Operasi dan Analisa Keuangan pada Perseroan, setiap bulan selalu melakukan perhitungan BMPK yang hasil perhitungan BMPK tersebut disampaikan kepada Seluruh Pemimpin Cabang dan Bisnis Area, serta bagian terkait sebagai pedoman dalam memproses pemberian fasilitas Pembiayaan, baik kepada pihak terkait, tidak terkait maupun group usaha yang tidak terkait.

1. Division of Operation and Financial Analysis always count the Legal Lending Limit (BMPK) which the result will be spread to branch leaders and business area, and also relevant division, or unrelevant group.

Perhitungan BMPK di Perseroan sudah mengaju kepada ketentuan Indonesia PBI No.8/13/PBI/2006, yaitu: l BMPK 1 (satu) Peminjam, pihak yang Tidak Terkait dengan Bank sebesar 20% dari Modal Bank, sedangkan untuk 1 (satu) Kelompok Peminjam Tidak Terkait sebesar 25% dari Modal Bank. l Untuk Pihak Yang Terkait dengan Bank, seluruh portofolio BMPK-nya ditetapkan paling tinggi 10% dari Modal Bank.

2. Kebijakan proses komite pembiayaan pada Perseroan, mensyaratkan sebelum proses komite pembiayaan dilakukan harus dimintakan opini dari Direktorat Kepatuhan dan Manajemen Risiko. Direktorat Kepatuhan dan Manajemen Risiko dalam

Legal Lending Limit calculation at Company has already refer to Bank Indonesia Regulation No.8/13/ PBI/2006, such as: l Legal Lending Limit 1 lender parties not related to Bank amounting to 20% of Bank's capital, while for 1 (one) unrelated group borrower amounting 25% of Bank's capital. l For bank related party, all legal lending limit portfolio assigned maximum 10% from Bank's capital.

2. The Company financing committee have their own policy in processing legal lending limit, they require prior to process opinion from the Directorate of Compliance and Risk Management. The Directorat of Compliance and Risk Management in their view,


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opininya selalu memperhatikan besaran pembiayaan yang diberikan dengan BMPK.

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always pay attention to the amount of financing provided by Legal Lending Limit.

3. Dalam hal proses permohonan pembiayaan yang diatas BMPK, Perseroan melakukan dengan Club Deal atau sindikasi dengan Bank Lain.

3. In terms of financing application process above Legal Lending Limit, Company undertake the financing with Club Deal or syndication with other bank.

Dengan demikian, Perseroan dalam menjalankan kegiatan pemberian pembiayaan selalu berpedoman pada regulasi yang ditetapkan oleh BI ataupun Otoritas Jasa Keuangan (OJK) untuk mencapai tata kelola perusahaan yang baik, sehingga menghasilkan nilai ekonomi jangka panjang yang berkesinambungan bagi para pemegang saham maupun pemangku kepentingan.

Therefore, the Company in peforming financing activity always be guided to Bank Indonesia regulation or Financial Services Authority to achieve good corporate governance, so it can deliver sustained economic scale in long term for shareholders as well as stakeholders.

Transparansi Kondisi Keuangan dan Non Keuangan, Laporan Pelaksanaan GCG dan Pelaporan Internal

Transparency of financial and non financial condition, GCG implementation reports and internal reporting

Dalam rangka memenuhi penerapan prinsip-prinsip GCG dan ketentuan yang berlaku, maka Laporan Keuangan Tahunan Perseroan yang disusun telah melalui proses audit dan pemeriksaan yang dilakukan oleh Kantor Akuntan Publik yang terdaftar di Bank Indonesia. Laporan Keuangan Tahunan Perseroan untuk tahun buku yang berakhir pada 31 Desember 2016, telah diaudit dan diperiksa oleh Kantor Akuntan Publik KAP AIDIL YUZAR, SE.Ak., CPA yang beralamat di Jl. Ampera Raya – Kancil No. 40 Ragunan, Pasar Minggu, Jakarta Selatan 12550, Telepon 021 788 44968/021 7891858, Fax 021 788 44969.

In order to comply good corporate governance principles and applicable regulations, therefore anually, Company’s Annual Financial Statement which composed by the Company has been through audit and checking process performed by Public Accountant registered in Bank Indonesia. The Company’s Annual Financial Statement for fiscal year ended in December 31, 2015, has been audited and checked by Public Accountant Office KAP AIDIL YUZAR, SE.Ak., CPA addressed in Jl. Ampera Raya-Kancil No. 40 Ragunan, Pasar Minggu, South Jakarta 12550, Phone 021 788 44968/021 7891858, Fax 021 788 44969.

Selanjutnya, Laporan Keuangan Tahunan dan NonKeuangan pada Perseroan disusun dan disajikan sedemikian rupa berdasarkan sistem prosedur yang berlaku di industri perbankan syariah dan ditindaklanjuti dengan penyampaian Buku Laporan Keuangan Tahunan Perseroan 2016 kepada sejumlah pihak yang telah ditetapkan sesuai dengan ketentuan regulator. Adapun beberapa kegiatan Perseroan yang ditujukan untuk meningkatkan kapasitas dan kualitas pada bidang Transparansi Kondisi Keuangan dan Non-Keuangan, antara lain sebagai berikut: l Menambah dan/atau meningkatkan penyebaran Laporan Keuangan Tahunan Perseroan ke sejumlah pemangku kebijakan Tahunan Perseroan ke sejumlah pemangku kebijakan seperti OJK, BI, LPS, Kementerian Keuangan, Kementerian Koperasi dan UMKM dan institusi terkait lainnya; l Menambah dan/atau meningkatkan penyebaran Laporan Keuangan Tahunan Perseroan ke sejumlah lembaga non-regulator seperti lingkungan akademisi maupun perguruan tinggi, media massa, institusi penelitian dan kajian di bidang keuangan

Further, Annual Financial and Non-Financial Statement of the Company was composed and presented based on existing procedure in sharia banking and then followed by presenting the Company’s Annual Statement 2015 to numerous parties as stipulated by regulator. Several company’s activities in order to increase capacity and quality of Transparency of Financial and Non-Financial Condition, they are as follows:


l Adding and/or increasing distribution of Company’s

Annual Statement to policy authorities, such as Financial Service Authority, Bank Indonesia, Indonesia Deposit Insurance, Ministry of Finance, Ministry of Cooperation and MSME and other related institutions; l Adding and/or increasing distribution of Company’s

Annual Statement to various non-regulator organization, such as academic environment or university, mass media, research and analysis institution in finance and banking, economic research

Dalam rangka memenuhi penerapan prinsipprinsip GCG dan ketentuan yang berlaku, maka Laporan Keuangan Tahunan Perseroan yang disusun telah melalui proses audit dan pemeriksaan yang dilakukan oleh Kantor Akuntan Publik yang terdaftar di Bank Indonesia. In order to comply good corporate governance principles and applicable regulations, therefore anually, Company’s Annual Financial Statement which composed by the Company has been through audit and checking process performed by Public Accountant registered in Bank Indonesia.

dan perbankan, lembaga riset ekonomi, Yayasan Perlindungan Konsumen Indonesia (YLKI); l Mengembangkan sistem pelaporan bulanan seperti yang dikehendaki regulator, yakni sistem XBLR dan menyiapkan implementasi sistem Pedoman Akuntansi Perbankan Syariah Indonesia (PAPSI); l Mengembangkan sistem informasi dan teknologi (TI) khususnya untuk mengakomodasi penerapan Management Information System (MIS) agar menjadi sistem pelaporan yang lebih efisien dan terintegrasi; l Melakukan analisis serta menyampaikan Laporan Transaksi Tunai atau Cash Transaction Report (CTR) dan Laporan Transaksi Mencurigakan atau Suspecious Transaction Report (STR) kepada Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK).

institutions, and Indonesian Consumer Protection Foundation; l Developing monthly reporting system as required by regulator, it is XBLR System and preparing the implementation of Sharia Banking Accounting Guidelines system; l Developing information and technology (IT) system, especially to accommodate the implementation of Management Information System (MIS) to become an efficient and integrated reporting system; l Analysing and delivering Cash Transaction Report (CTR) and Suspicious Transaction Report (STR) to Report Centre and Financial Transaction Analysis.

Pendapatan Non Halal

Non-Halal Income

Pada tahun 2006, Perseroan memperoleh pendapatan non-halal dari Jasa Giro sebesar Rp424,29 juta. Dalam hal penggunaan pendapatan non-halal tersebut digabungkan menjadi satu dengan penggunaan dana qardh lainnya.

In 2006, the Company received non-halal income from services amounted to Rp424,29 million from Giro. In case of using non-halal income were combined into one by the use of other qardh funds.


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LAPORAN PENGGUNAAN REKENING DANA KEBAJIKAN (RDK) SELURUH CABANG INDONESIA Periode 2016 QARDHUL HASAN FUND (RDK) UTILIZATION REPORT Period of 2016 ALL INDONESIAN BRANCH Kode/Code Nama Akun/Account Name Saldo Jurnal/ Journal Balance DEBIT/DEBT KREDIT/CREDIT

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Saldo akhir/ Ending Balance

301000 301040 301050 301060 301070 310000 310010 310020 310030

SUMBER DANA KEBAJIKAN QARDHUL HASAN FUND SOURCES Pengembalian RDK Produktif 5.534.665,62 Refund of Qardhul Hasan Fund Denda 362.257.197,45 Penalty Sumbangan/Hibah 680.000,00 Donation/Grant Pendapatan Non Halal 424.286.681,82 Non-Halal Income Jumlah Sumber RDK 792.758.544,89 792.758.544,89 Total of Qardhul Hasan Fund Source PENGGUNAAN RDK Qardhul Hasan Fund UTILIZATION Dana Kebajikan Produktif 56.580.109,00 Productive Qardhul Hasan Fund Sumbangan 368.503.033,33 Donation Kepentingan Umum 21.873.350,00 General Interest

JUMLAH PENGGUNAAN 446.956.492,33 Total UTILIZATION Kenaikan/Penurunan RDK Qardhul Hasan Fund Increase/Decrease Saldo akhir Bulan /Tahun Lalu Ending Balance of Previous Month/Year Saldo akhir RDK Qardhul Hasan Fund Ending Balance

(446.956.492,33) 345.802.052,56 399.636.487,13 745.438.539,69

Penerapan Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme

Implementation of Anti Money Laundering and Prevention of Terrorism Financing

Sesuai dengan Undang-Undang Tindak Pidana Pencucian Uang (TPPU) Nomor 8 Tahun 2010, Perseroan berkomitmen penuh melaksanakan penerapan anti TPPU dalam menjalankan operasionalnya. Perseroan secara berkelanjutan terus memperbarui kebijakan dan prosedur prinsip pengenalan nasabah, termasuk upaya mengembangkan sistem Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme (APU dan PPT) dalam rangka mendukung Unit Kerja Penerapan Prinsip Mengenal Nasabah (UKPN) berlandaskan peraturan dan perundang-undangan terkini, mendeteksi transaksi yang mencurigakan, dan melaporkannya kepada Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK).

In accordance with the Act on Money Laundering Number 8 Year 2010, the Company is fully committed to conduct implementation of Act on Money Laundering in performing is operations. The Company continuously update the policies and procedure of customer identification principles, including the effort to develop an Anti Money Laundering and Counter Terrorism Financing system in order to support the Implementation of Customer Identification Principles Working based on the most recent rules and regulation, detecting suspicious transaction, and report them to the Center for Financial Transaction Reporting and Analysis.

Beberapa fasilitas yang terdapat dalam sistem tersebut, di antaranya: l Mengidentifikasi transaksi melalui profil nasabah. l Penelusuran transaksi keuangan nasabah. l Early warning terhadap data nasabah yang harus dikinikan.

Several facilities that are included in the system are as follows: l Identifying transaction through the customers’ profile. l Searching the customers’ financial transaction. l Early warning towards the customers’ data that must be updated.


l Identifikasi terhadap transaksi keuangan yang

l Identifying suspicious financial transaction.

mencurigakan. Selain itu, untuk memantau dan mendukung program APU dan PPT, Perseroan juga melakukan beberapa langkah, sebagai berikut: l Memantau pengkinian profil nasabah dan profil transaksi nasabah. l Melakukan koordinasi dan pemantauan terhadap pelaksanaan kebijakan program APU dan PPT dengan unit kerja terkait yang berhubungan dengan nasabah.

l Memastikan bahwa kebijakan dan prosedur telah

sesuai dengan perkembangan program APU dan PPT yang terkini, risiko produk Perseroan, kegiatan dan kompleksitas usaha Perseroan, dan volume transaksi Perseroan. l Menyusun laporan Transaksi Keuangan

Mencurigakan (LTKM), Transaksi Laporan Keuangan Tunai (LTKT). Serta, Laporan Sistem Informasi Pengguna Jasa Terpadu (SIPESAT) dan laporan lainnya sebagaimana diatur dalam UU TPPU dan Peraturan PPATK untuk disampaikan kepada PPATK.

l Memantau bahwa terdapat mekanisme komunikasi

yang baik dari setiap unit kerja terkait kepada unit kerja khusus atau kepada pejabat yang bertanggung jawab terhadap penerapan program APU dan PPT dengan menjaga kerahasiaan informasi. l Memantau, menganalisis, dan merekomendasikan

kebutuhan pelatihan program APU dan PPT bagi pegawai Perseroan.

Furthermore, to monitor and support the Anti Money Laundering and Counter Terrorism Financing, the Company also conducted several steps, as follows: l Monitoring the update of the customer’s profile and transaction profile. l Conduct coordination and monitoring towards the implementation of Anti Money Laundering and Counter Terrorism Financing (APU & PPT) policies program with related working unit that is in touch with the customer. l Ensure that the policies and procedures are in accordance with the most recent development of Anti Money Laundering and Counter Terrorism Financing program, the Company's product risk, the activities and complexity of the Company's business, and the Company's transaction volume. l Compile the Suspicious Financial Transaction Report, Cash Financial Transaction Report, and Integrated Services User Information System , as well as other reports as regulated in the Act on Money Laundering (UU TPPU) and the regulation of the Center for Financial Transaction Reporting and Analysis to be delivered to Financial Transaction Reporting and Analysis. l Monitor that there are good communication mechanism from every working unit related to the special working unit or to the officials that are responsible for the implementation of Anti Money Laundering and Counter Terrorism Financing program by maintaining the secrecy of the information. l Monitor, analyze, and recommend the need for Anti Money Laundering and Counter Terrorism Financing program training for Company's employee.

Kebijakan Buy Back Shares dan Buy Back Obligasi

Buy Back Shares and Buy Back Bonds Policy

Sepanjang 2016, Perseroan tidak melakukan transaksi buy back shares atau buy back obligation.

Throughout 2016, the Company were not having sme transaction which cause buy back shares or buy back obligation.


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RASIO GAJI

Salary Ratio

Rasio gaji pegawai tertinggi dan terendah pada Perseroan adalah 16,1:1. Adapun detailnya adalah gaji pegawai tertinggi sebesar Rp41.616.564 dan yang terendah sebesar Rp2.583.729.

The highest and the lowest ratio salary of the employee in the Company is 16.1:1. The highest employee salary is Rp41,616,564 and the lowest is Rp2,583,729.

Sementara itu, untuk rasio gaji Direksi yang tertinggi dan terendah sebesar 1,3:1. Rinciannya, gaji Direksi tertinggi mencapai Rp86.460.000 dan yang terendah sebesar Rp64.970.000. Sedangkan untuk rasio gaji Dewan Komisaris tertinggi dan terendah sebesar 1,3:1, yakni yang tertinggi mencapai Rp32.152.000 dan yang terendah Rp24.114.000. Adapun lebih rinci dapat dilihat pada tabel di bawah ini.

Meanwhile, the highest and the lowest salary ratio for the Board of Directors is 1.3:1. The detail for the highest salary for the Board of Directors reach Rp86,460,000 and the lowest is Rp64,970,000. As for the highest and the lowest ratio salary for the Board of Commissioners is 1.3:1, which are the highest salary reach Rp32,152,000 and the lowest is Rp24,114,000. The details can be seen in the table below.

Skala Perbandingan Gaji SALARY COMPARISON SCALE

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1 Rasio gaji Pegawai yang tertinggi dan terendah Ratio of the highest and lowest employee salary a) Gaji pegawai Tertinggi Highest employee salary b) Gaji Pegawai Terendah Lowest employee salary c) Ratio Gaji pegawai Tertinggi & Terendah Ratio of the highest and lowest employee salary

Rasio Gaji Salary Ratio 41.616.564

2 Rasio gaji Direksi yang tertinggi dan terendah Ratio of the highest and lowest Board of Directors salary a) Gaji Direksi Tertinggi Highest Board of Directors salary b) Gaji Direksi Terendah Lowest Board of Directors salary c) Ratio Gaji Direksi Tertinggi & Terendah Ratio of the highest and lowest Board of Directors salary

Rasio Gaji Salary Ratio

3 Rasio gaji Dewan Komisaris yang tertinggi dan terendah Ratio of the highest and lowest Board of Commissioners salary a) Gaji Dewan Komisaris Tertinggi Highest Board of Commissioners salary b) Gaji Dewan Komisaris Terendah Lowest Board of Commissioners salary c) Ratio Gaji Dewan Komisaris Tertinggi & Terendah Ratio of the highest and lowest Board of Commissioners salary


4 Rasio gaji Direksi yang tertinggi dan Pegawai Tertinggi Ratio of the highest Board of Directors salary and the highest employee salary a) Gaji Direksi Tertinggi Highest Board of Directors salary b) Gaji Pegawai Tertinggi Highest employee salary c) Ratio Gaji Direksi Tertinggi & Pegawai tertinggi Ratio of the highest Board of Directors salary and the highest employee salary



2.583.729 16,1 : 1

86.460.000 64.970.000 1,3 : 1

32.152.000 24.114.000 1,3 : 1

86.460.000 41.616.564 2,1 : 1


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Tanggung Jawab Sosial Perusahaan

Corporate SOcial Responsibility

170 |


Kontribusi Positif Positive Contribution Perseroan dalam menjalankan aktivitasnya selalu berupaya memberikan kontribusi positif, baik pada karyawan, lingkungan sekitar, maupun masyarakat luas. Salah satunya melalui pelaksanaan tanggung jawab sosial perusahaan. The Company in running its activities are always working to make a positive contribution, both to employees, environment, and society. One of them is through the implementation of corporate social responsibility.

K

T

eberadaan dan keberlangsungan sebuah perusahaan juga tergantung pada lingkungan dan masyarakat sekitar. Serta, juga sangat bergantung pada karyawan atau Sumber Daya Insani (SDI) yang bekerja pada perusahaan.

he existence and continuity of a company also depends on the environment and surrounding communities. More of it, is also a highly dependent on the employee or human resources who work at the company.

Terkait hal itu, agar bisa saling mendapatkan manfaat, kontribusi positif sangat diperlukan. Dalam rangka memberikan kontribusi positif tersebut, Perseroan dalam setiap aktivitasnya juga tak luput melaksanakan program tanggung jawab sosial perusahaan (Corporate Social Responsibility/CSR).

Related to that, in order to have a mutual benefit, a positive contribution is indispensable. In order to make a positive contribution, the Company within each activity are also implement the program of corporate social responsibility (CSR).

Sepanjang tahun 2016, Perseroan melaksanakan program CSR menjadi ke dalam dua jenis program, yaitu Program Berkelanjutan untuk jangka waktu yang panjang, dan basic program yang pelaksanaannya disesuaikan dengan kebutuhan. Untuk Program Berkelanjutan tersebut masih difokuskan pada 2 (dua) bidang, yaitu pendidikan dan pemberdayaan ekonomi mikro. Pada bidang pendidikan, Perseroan fokus pada pemberian wawasan atau pendidikan mengenai perbankan syariah dan produk-produk perbankan syariah di sekolah-sekolah/kampus-kampus

Throughout 2016, the Company held a CSR program into two kind program, such as the Sustainable Program with a long period of time, and basic program tailored to the needs. For Sustainable Program will be focused on 2 (two) fields, namely education and micro-economic empowerment. In the education sector, the Company focuses on providing insight or education about Sharia banking and Sharia banking products in schools / colleges or certain events, and visit schools to learn more about the Company for sharia banking. Meanwhile, the micro-


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Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility

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atau kegiatan-kegiatan tertentu, dan kunjungan sekolahsekolah ke Perseroan untuk lebih mengenal perbankan syariah. Sedangkan, pada program pemberdayaan ekonomi mikro, Perseroan fokus untuk kegiatan sosial kecil untuk mendukung pasar mikro dengan memberikan bantuan dana ke beberapa yayasan sosial.

economic empowerment program, the Company focus on small social activities to support micro market by providing funds to some charity.

CSR Terkait Lingkungan Meskipun kegiatan usaha Perseroan tidak menghasilkan dampak langsung pada keberlangsungan lingkungan, Perseroan tetap mengedepankan komitmen tanggung jawabnya terhadap aspek lingkungan. Perseroan berupaya untuk dapat berkontribusi dalam kegiatan CSR aspek lingkungan dengan memberikan bantuan kebersihan lingkungan yang dilaksanakan masyarakat.

CSR Related to Environment Although the Company’s business activities do not produce a direct impact on environmental sustainability, the Company still emphasizes the commitment of responsibility towards environmental aspects. The Company endeavors to contribute to the environmental aspect of CSR activities by providing assistance to environmental activities undertaken by community.

Selain itu, Perseroan juga mengupayakan dan mendukung program ramah lingkungan dan efisiensi terhadap material-material yang bersumber dari alam. Misalnya, dalam penggunaan kertas, Perseroan memanfaatkan kembali kertas bekas yang tidak terpakai melalui penggunaan kertas bekas untuk mencetak dokumen-dokumen internal Perseroan.

Moreover, the Company also sought and supporting environmentally friendly programs and efficiency of materials sourced from nature. For example, in the use of paper, the Company re-utilizing unused waste paper through the use of recycled paper to print internal documents of the Company.

Perseroan juga mendukung gerakan hemat energi dengan mulai mengurangi penggunaan listrik tidak terpakai pada malam hari dan/atau ruangan-ruangan yang kosong di kantor-kantor milik Perseroan.

The Company also supports the energy saving movement to begin to reduce electricity use unused at night and/or empty spaces in offices owned by the Company.

CSR Terkait Ketenagakerjaan, Kesehatan, dan Keselamatan Kerja Aspek ketenagakerjaan, kesehatan, dan keselamatan kerja merupakan bagian dari penyelenggaraan CSR. Untuk itu, Perseroan berupaya mewujudkannya melalui pelaksanaan program yang disesuaikan dengan kebijakan dan regulasi yang berlaku.

CSR Related to Labor, Health, and Safety

Pada tahun 2016, Perseroan telah menerapkan kebijakan pemberian bantuan pendidikan kepada karyawan, bonus/ tunjangan prestasi kerja kepada karyawan, Tunjangan Hari Raya Idul Fitri 1437 H diberikan kepada seluruh karyawan dengan status tetap/kontrak/harian, pemberian Tunjangan Jaminan Pensiun pada BPJS Ketenagakerjaan bagi karyawan, dan pemberian apresiasi akhir tahun pada karyawan. Selain itu, selama tahun 2016 karyawan telah dilindungi Asuransi Adira Dinamika Medicillin, BPJS Kesehatan, dan BPJS Ketenagakerjaan, serta bantuanbantuan perusahaan lainnya yang bersifat insidental.

In 2016, the Company has implemented policies to provide educational assistance to employees, bonuses / allowances for job performance to employees, allowance Idul Fitri 1437 H is given to all employees with permanent status / contracts / daily, giving pension benefit in BPJS Employment for Employees and end year appreciation bonus for Employees. In addition, throughout 2016, employees have been protected with Asuransi Adira Dinamika Medicillin, BPJS Health, and BPJS Employment, as well as the incidental assistance from companies.

CSR Terkait Pengembangan Sosial dan Kemasyarakatan Dari aspek pengembangan sosial dan kemasyarakatan, saat bulan Ramadhan seluruh cabang menjalankan program CSR, seperti “Sahur on The Road”, itikaf, bantuan masjid dan santunan ke Yayasan Anak Yatim & Dhuafa. Selain itu, dalam rangka meramaikan Milad BSB yang ke-8

CSR Related to Social and Community Development


Aspect of employment, health, and safety is part of the implementation of CSR. Therefore, the Company seeks to make it happen through the implementation of customized programs with applied policies and regulations.

From the aspect of social and community development, during the month of Ramadan all branches run CSR programs, such as “Sahur on the Road”, seclusion, help mosques and donations to the Yayasan Yatim & Dhuafa. In addition, in order to enliven Milad BSB 8th Company

Perseroan juga menjalankan program CSR, seperti donor darah, sunatan massal, dan santunan.

also runs CSR programs, such as a blood donor, mass circumcision, and donations.

CSR Terkait Tanggung Jawab Terhadap Konsumen Terkait penerapan CSR dari aspek tanggung jawab kepada konsumen, Perseroan memiliki program edukasi untuk meningkatkan literasi keuangan kepada konsumen dan/ atau masyarakat sesuai dengan ketentuan Otoritas Jasa Keuangan (OJK). Program tersebut antara lain edukasi mengenai produk perbankan melalui kunjungan ke sekolah; sosialisasi produk perbankan syariah melalui presentasi serta roleplay kepada elemen sekolah/kampus atau pegawai atau komunitas/asosiasi; kunjungan sekolah ke kantor Perseroan; edukasi mengenai perbankan dan perbankan syariah ke kampus-kampus dengan menjadi pengajar/dosen; serta sosialisasi produk perbankan syariah melalui open table dan mobil kas keliling.

CSR Related to Responsibilities to Consumers Related to CSR implementation from consumers responsibility aspects, the Company has educational programs to improve financial literacy to consumers and / or the public in accordance with the provisions of the Financial Services Authority. The programs include education about banking products through visits to schools; socialization of sharia banking products through presentations and roleplay elements to school / college or an employee or community / association; a school visit to the office of Company; education about banking and sharia banking to campuses to become a teacher / lecturer; and dissemination of sharia banking products through open table and mobile car cash.

Kegiatan CSR 2016

CSR Activity in 2016

No. Jenis Waktu Kegiatan Sosial Kegiatan Sosial No. Social Activity Date of Social Activity

Pihak Penerima Dana Receiver Parties

1 Bantuan/Sumbangan Kegiatan Pendidikan 6 Januari 2016 TKIT AZZAHRA, CIBINONG BOGOR Aid/Donation for Education Activity January 6, 2016 TKIT AZZAHRA, CIBINONG BOGOR 2 Bantuan/Sumbangan 6 Januari 2016 Yayasan Al Aytam Aid/Donation January 6, 2016 Al Aytam Foundation 3 Bantuan/Sumbangan Kanker Hidung 23 Januari 2016 Warga Tangerang Selatan dalam Kegiatan Kopdar Aid/Donation for Nose Cancer in Meeting Activities January 22, 2016 Residents of South Tangerang 4 Pengajian Bulanan Cabang Samarinda 22 Januari 2016 Infaq Ustad/Penceramah Mass Quran Reading Samarinda Branch January 22, 2016 Infaq from Ustad/Lector 5 Sumbangan peralatan Amplifier Mushola 22 Januari 2016 Mushola/Langgar Adakwah Samarinda Donation of Musholla's amplifier equipment Mushola January 22, 2016 Musholla/Langgar Adakwah Samarinda 6 Bantuan/Sumbangan Kegiatan Pendidikan 2 Februari 2016 SDIT AZZAHRA, CIBINONG BOGOR Aid/Donation for Education Activity February 2, 2016 AZZAHRA INTEGRATED ISLAMIC PRIMARY SCHOOL, CIBINONG BOGOR 7 Pengajian Bulanan Cabang Samarinda 10 Februari 2016 Infaq Ustad Penceramah Mass Quran Reading in Samarinda Branch February 10, 2016 Infaq Ustad Lecturer 8 Kebyar Kreatifitas Muslimah di Capem UPI YPTK Padang 12 Februari 2016 Panitia Gebyar Kreativitas Muslimah Muslimah Creativity Event UPI YPTK Padang Sub Branch February 12, 2016 Committee of in UPI YPTK Muslimah Creativity Event 9 Maulid/Kegiatan Keagamaan 3 Maret 2016 Majelis Darul Aman Bekasi Prophet Birthday Commemoration/Religious Activities March 3, 2016 Council of Darul Aman Bekasi 10 Sumbangan Gerakan Kegiatan Masjid 7 Maret 2016 Lembaga Takmir Masjid PB Nahdatul Ulama Donation of Masjid Activities Movement March 7, 2016 Takmir Masjid Institution of PB Nahdatul Ulama 11 Bantuan Acara Khatam Al Quran 7 Maret 2016 SD Syahiral Ilmi Bukittinggi SD Syahiral Ilmi Cabang Bukittinggi Aid for Seal Quran Event in March 7, 2016 SD Syahiral Ilmi Bukittinggi SD Syahiral Ilmi Bukittinggi Branch 12 Kegiatan Pengajian Cabang Samarinda 14 Maret 2016 Infaq Ustad Penceramah Mass Quran Reading in Samarinda Branch March 14, 2016 Infaq Ustad Lecturer 13 Festival Anak Sholeh Indonesia Cabang Samarinda 14 Maret 2016 Panitia Festival Anak Sholeh Indonesia Indonesian Pious Children Festival March 14, 2016 Committee of Indonesian Pious Children Festival in Samarinda Branch 14 Sumbangan Korban Kebakaran di Cabang Samarinda 18 Maret 2016 Masyarakat Korban Kebakaran Donation for Fire Victim in Samarinda Branch March 18, 2016 Victim of the fire 15 Bantuan / Sumbangan 18 Maret 2016 Forum Betawi Rempug Gardu 0179 Salemba Aid/Donation March 18, 2016 Forum Betawi Rempug of Post 0179 in Salemba 16 Pengajian Bulanan Cabang Samarinda 19 Maret 2016 Infaq Ustad Penceramah Monthly Mass Quran Reading in Samarinda Branch March 19, 2016 Infaq Ustad Lecturer 17 Sumbangan Peringatan Maulid Nabi SAW 19 Maret 2016 Masjid Al Maninjau Al Salam Cab.Samarinda Donation for Prophet Birthday March 19, 2016 Masjid Al Maninjau Al Salam Commemoration in Samarinda Branch


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No. Jenis Waktu Kegiatan Sosial Kegiatan Sosial No. Social Activity Date of Social Activity 18 Bantuan Acara Lomba Hifzil Quran Bukittinggi 23 Maret 2016 Aid for Bukittinggi Hifzil Contest Event March 23, 2016 19 Bantuan Acara Musabaqah Akbar Ahwal 23 Maret 2016 Al Syakhshiyyah Bukittinggi Aid for Grand Musabaqah Event March 23, 2016 Al Syakhshiyyah Bukittinggi 20 Sumbangan Cabang Surabaya 30 Maret 2016 Donation Surabaya Branch March 30, 2016 21 Bantuan/Sumbangan Pembangunan 30 Maret 2016 Aid /Donation for Construction March 30, 2016 22 Bantuan/Sumbangan Kegiatan Seni 30 Maret 2016 Aid/Donation for Culture Activities March 30, 2016 23 Bantuan Acara Haflah Khatam Al Quran X 31 Maret 2016 Aid for Quran Seal Quran Haflah X Event March 31, 2016 24 Bantuan/Sumbangan kegiatan kebersihan lingkungan 13 April 2016 Aid/Donation for Environment Activities April 13, 2016 25 Bantuan/Sumbangan 13 April 2016 Aid/Donation April 13, 2016 26 Sumbangan Car Free Day di Surabaya 17 April 2016 Car Free Day Donation in Surabaya April 17, 2016 27 Bantuan/Sumbangan kegiatan Seni 18 April 2016 Aid/Donation for Culture Activities April 18, 2016 28 Bantuan/Sumbangan pembangunan 19 April 2016 Aid /Donation for Construction April 19, 2016 29 Bantuan Acara Perpisahan dan Khatam Iqra 28 April 2016 TK Pembina Cab.Bukittinggi Aid for Farewell Event and Seal Iqra April 28, 2016 TK Pembina Bukittinggi Branch 30 Sumbangan/Santunan 16 Mei 2016 Aid/Donation May 16, 2016 31 Sumbangan 19 Mei 2016 Donation May 19, 2016 32 Sumbangan 24 Mei 2016 Donation May 24, 2016 33 Sumbangan kegiatan Ramadhan 26 Mei 2016 Ramadhan Activities Donation May 26, 2016 34 Sumbangan kegiatan Ramadhan 26 Mei 2016 Ramadhan Activities Donation May 26, 2016 35 Sumbangan kegiatan Ramadhan 26 Mei 2016 Ramadhan Activities Donation May 26, 2016 36 Sumbangan kegiatan Ramadhan 8 Juni 2016 Ramadhan Activities Donation June 8, 2016 37 Sumbangan kegiatan Ramadhan 8 Juni 2016 Ramadhan Activities Donation June 8, 2016 38 Sumbangan kegiatan Ramadhan 8 Juni 2016 Ramadhan Activities Donation June 8, 2016 39 Sumbangan kegiatan Ramadhan 8 Juni 2016 Ramadhan Activities Donation June 8, 2016 40 Sumbangan kegiatan Ramadhan 8 Juni 2016 Ramadhan Activities Donation June 8, 2016 41 Sumbangan kegiatan Ramadhan 8 Juni 2016 Ramadhan Activities Donation June 8, 2016 42 Sumbangan Ambulan Gratis 10 Juni 2016 Free Ambulance Donation June 10, 2016 43 Sumbangan 14 Juni 2016 Donation June 14, 2016 44 Sumbangan 14 Juni 2016 Donation June 14, 2016 45 Sumbangan 16 Juni 2016 Donation June 16, 2016 46 Sumbangan 20 Juni 2016 Donation June 20, 2016 47 Sumbangan 22 Juni 2016 Donation June 22, 2016 48 Sumbangan 23 Juni 2016 Donation June 23, 2016

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STIE Haji Agus Salim Bukittinggi STIE Haji Agus Salim Bukittinggi IAIN Bukittinggi IAIN Bukittinggi Korps Cacat Veteran RI Propinsi Jatim Disabled Veteran Corps of Indonesia, East Java Province Univesitas Muhammadiyah Sukabumi Muhammadiyah University, Sukabumi Sekolah Bosowa Bosowa School SDIT Cahaya Hati Bukittinggi Cahaya Hati Integrated Islamic Primary School of Bukittinggi RW 06 Kelurahan Paseban, Jakarta Pusat RW 06 Kelurahan Paseban, Central Jakarta Kaum Dhuafa tumor kulit/kutil The Poors with skin tumor/wart RSUD DR Soetomo Surabaya Regional Public Hospital DR Soetomo, Surabaya Ananda Islamic School Ananda Islamic School Mushola Alhidayah Kp.Melayu Jakarta Selatan Mushola Alhidayah Kp.Melayu, South Jakarta TK Pembina Bukittinggi Pembina Kindergarten, Bukittinggi 231 Karyawan Lepas/outsourching 231 Freelancers/outsourcing PCM Muhammadiyah Matraman Jakarta Timur Muhammadiyah Head of Branch Matraman, East Jakarta Yayasan Ciangsana Mandiri Bogor Ciangsana Mandiri Foundation, Bogor Rumah Singgah Swara Swara Shelter Pondok Pesantren Sabillah Banten Sabillah Islamic Boarding School, Banten Pondok Pesantren Az Ziyadah Az Ziyadah Islamic Boarding School Musholah Nurul Hikmah Bekasi Musholla Nurul Hikmah, Bekasi Yay.Kes.Anak Terlantar Bekasi Neglected Child Foundation, Bekasi Lemb.Kes.Sos Anak Hikmatul Iman Serang Children Social Institution Hikmatul Iman, Serang Ponpes Al Wutsqo Subang Al Wutsqo Islamic Boarding School, Subang Yayasan IPM Flores IPM Flores Foundation Ponpes Miftahul Janah Serang Banten Miftahul Janah Islamic Boarding School, Serang, Banten Laskar Sedekah Solo Alms Troops, Solo Yayasan Darussa'adah Bogor Darussa'adah Foundation, Bogor Karyawan Dhuafa UMS Solo Poor Employee of UMS Solo Petugas Linmas Rw 05 Paseban Salemba Officer of Community Protection Agency Rw 05, Paseban, Salemba Petugas Koramil Senen Jakarta Pusat Officer of Rayon Military Command, Senen, Central Jakarta Petugas Kebersihan Lingkungan Jalan Salemba Neighborhood Janitor of Salemba Road Masjid Al Ikhlas Jakarta Masjid Al Ikhlas Jakarta



49 Sumbangan Kegiatan Ramadhan 23 Juni 2016 Yayasan Panti Asuhan Riyadlus Sholihin, Semarang Ramadhan Activities Donation June 23, 2016 Riyadlus Sholihin Orphanage Foundation, Semarang 50 Sumbangan Pemberdayaan Ekonomi Mikro 23 Juni 2016 Yayasan Pemberdayaan Ekonomi Umat Untuk Kesejahteraan dan Pencerdasan Masyakarat Khoiru Ummah, Depok Donation for SMEs Development June 23, 2016 Khoiru Ummah, Foundation of Economic Empowerment for the Welfare and Education of the Community, Depok 51 Sumbangan Pemberdayaan Ekonomi Mikro 23 Juni 2016 Yayasan Daya Prasejahtera, Rawa Badak Utara, Jakarta Utara Donation for SMEs Development June 23, 2016 Daya Prasejahtera Foundation, Rawa Badak Utara, North Jakarta 52 Sumbangan Pemberdayaan Ekonomi Mikro 23 Juni 2016 Gerakan Amal Bulan Ramadhan, Kampung Pulo, Jatinegara, Jakarta Timur Donation for SMEs Development June 23, 2016 Ramadhan Charity Movement, Kampung Pulo, Jatinegara, East Jakarta 53 Sumbangan Kegiatan Ramadhan 23 Juni 2016 Panti Asuhan Diponegoro, Sleman Yogyakarta Ramadhan Activities Donation June 23, 2016 Diponegoro Orphanage, Sleman, Yogyakarta 54 Sumbangan Kegiatan Ramadhan 23 Juni 2016 Yayasan Al Ikhlas, Klaten, Jawa Tengah Ramadhan Activities Donation June 23, 2016 Al Ikhlas Foundation, Klaten, Central Java 55 Sumbangan ZIS 23 Juni 2016 Yayasan Al Murtadho Jakarta Pusat ZIS Donation June 23, 2016 Al Murtadho Foundation, Central Jakarta 56 Sumbangan Kegiatan Ramadhan 23 Juni 2016 Yayasan Tunas Insan Mulia, Ciputat Parung Sawangan Depok Ramadhan Activities Donation June 23, 2016 Tunas Insan Mulia Foundation, Ciputat Parung Sawangan Depok 57 Sumbangan Kegiatan Ramadhan 23 Juni 2016 Ikatan Tunanetra Muslim Indonesia Bekasi Ramadhan Activities Donation June 23, 2016 Indonesian Blind Muslim Association, Bekasi 58 Sumbangan Kegiatan Ramadhan 23 Juni 2016 Majelis Ta’lim Musholla Al Ijtihad, Jakarta Pusat Ramadhan Activities Donation June 23, 2016 Ta’lim Council Musholla Al Ijtihad, Central Jakarta 59 Sumbangan Kegiatan Ramadhan 23 Juni 2016 Yayasan Jakarta Amanah Mulia Ramadhan Activities Donation June 23, 2016 Jakarta Amanah Mulia Foundation 60 Sumbangan Kegiatan Ramadhan 23 Juni 2016 Yayasan MI Istiqomah, Bekasi Ramadhan Activities Donation June 23, 2016 MI Istiqomah Foundation, Bekasi 61 Sumbangan Kegiatan Ramadhan 23 Juni 2016 Induk Koperasi Polisi R.I. Ramadhan Activities Donation June 23, 2016 Indonesian Police Main Cooperative 62 Sumbangan Kegiatan Ramadhan 23 Juni 2016 Sekretaris Yayasan Veteran RI Seroja eks.Timor Timur, Jatiwaringin Jakarta Timur Ramadhan Activities Donation June 23, 2016 Secretary of Indonesian Seroja Veteran of former East Timor Foundation, Jatiwaringin, East Jakarta 63 Sumbangan 24 Juni 2016 Panitia Reuni Angkatan 16 IPB Bogor Donation June 24, 2016 Class 16 Reunion Committee of IPB, Bogor 64 Pembangunan Masjid 28 Juni 2016 Masjid Baiturrahman Masjid Construction June 28, 2016 Masjid Baiturrahman 65 Renovasi Majlis Taklim 28 Juni 2016 Majelis Taklim Al Fityan Hussein Kebayoran Lama Jaksel Renovation of Taklim Council June 28, 2016 Taklim Council Al Fityan Hussein, Kebayoran Lama Jaksel 66 Kegiatan Ramadhan Kantor Pusat Pembagian Takjil di KPO Salemba 6 Juni sd 1 Juli 2016 Masyarakat Jalan Salemba Raya Pembagian Takjil di KCP Klp.Gading 6 Juni sd 1 Juli 2016 Masyarakat Jalan KCP Kelapa Gading Pembagian Takjil di KCP Bekasi 6 Juni sd 1 Juli 2016 Masyarakat Jalan KCP Bekasi Pembagian Takjil di KCP BSD 6 Juni sd 1 Juli 2016 Masyarakat Jalan KCP BSD Donasi & Al Qur'an Masjid Al Muhsinin Jakarta Pusat 17 Juni 2016 Masjid Al Muhsinin, Paseban Jakarta Pusat Donasi & Al Qur'an Masjid Al Murtadho Jakarta Pusat 24 Juni 2016 Masjid Al Murtadho Paseban Jakarta Pusat Donasi & Al Qur'an Masjid Al Muhajirin Bekasi Masjid Al Muhajirin Bekasi Donasi & Al Qur'an Masjid BSD Masjid BSD Serpong Tangerang Selatan Kegiatan Pengajian Selama Ramadhan 6 sd 30 Juni 2016 10 Penceramah eksternal & Penceramah Internal Donasi & Kegiatan Sahur Bersama di Pondok 17 Juni 2016 Yayasan Yatim/Piatu/Dhuafa Pondok Pesantren & Panti Asuhan Ratna Jaya Bekasi Pesantren & Panti Asuhan Ratna Jaya, Bekasi Kegiatan I'tikaf di Masjid Bank Bukopin S.Parman 24 Juni & 1 Juli 2016 Masjid al Ikhlas Bukopin S.Parman & & Masjid Bukopin Kantor Pusat Masjid Ar Ridho Bukopin Kantor Pusat Ramadhan Activities at the Head Office Takjil Giving at Salemba Head Operational Office June 6 until July 1, 2016 Public on Salemba Raya Road Takjil Giving at Kelapa Gading Sub Branch Office June 6 until July 1, 2016 Public on Kelapa Gading Sub Branch Street Takjil Giving at Bekasi Sub Branch Office June 6 until July 1, 2016 Public on Bekasi Sub Branch Street Takjil Giving at BSD Sub Branch Office June 6 until July 1, 2016 Public on BSD Sub Branch Street Donation & Al Qur'an Masjid Al Muhsinin Central Jakarta June 17, 2016 Masjid Al Muhsinin, Paseban, Central Jakarta Donation & Al Qur'an Masjid Al Murtadho Central Jakarta June 24, 2016 Masjid Al Murtadho, Paseban, Central Jakarta Donation & Al Qur'an Masjid Al Muhajirin Bekasi Masjid Al Muhajirin Bekasi Donation & Al Qur'an Masjid BSD Masjid BSD Serpong, South Tangerang Mass Quran Reading Activities During Ramadhan June 6-30, 2016 10 Internal and External Lecturer Donation & Sahur Together Event at Pondok Pesantren June 17, 2016 Fatherless/Motherless/Poor Islamic & Ratna Jaya Orphanage Bekasi Boarding School & Orphanage Foundation of Ratna Jaya, Bekasi I'tikaf Activities at Masjid Bank Bukopin S.Parman June 24 & July 1, 2016 Masjid Al Ikhlas Bukopin S.Parman & & Masjid Bukopin Head Office Masjid Ar Ridho Head Office Bukopin


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No. Jenis Waktu Kegiatan Sosial Kegiatan Sosial No. Social Activity Date of Social Activity 67 Kegiatan Ramadhan Kantor Cabang Melawai Juni 2016 Pembagian Takjil Ramadhan Activities at Melawai Branch Office June 2016 Distribution of Takjil 68 Kegiatan Ramadhan Kantor Cabang Medan Juni 2016 Pembagia Takjil & Bantuan Ramadhan Activities at Medan Branch Office June 2016 Distribution of Takjil and Aid 69 Kegiatan Ramadhan Kantor Cabang Bukittinggi 15 Juni 2016 Pembagian Takjil & Bantuan Ramadhan Activities at Bukittingi Branch Office June 15, 2016 Distribution of Takjil and Aid 70 Kegiatan Ramadhan Kantor Cabang Bandung 15 Juni 2016 Pembagian Takjil & Bantuan Ramadhan Activities at Bandung Branch Office June 15, 2016 Distribution of Takjil and Aid 71 Kegiatan Ramadhan Kantor Cabang Surabaya 17 Juni 2016 Pembagian Takjil & Bantuan Ramadhan Activities at Surabaya Branch Office June 17, 2016 Distribution of Takjil and Aid 72 Kegiatan Ramadhan Kantor Cabang Semarang 22 Juni 2016 Pembagian Takjil & Bantuan Ramadhan Activities at Semarang Branch Office June 22, 2016 Distribution of Takjil and Aid 73 Kegiatan Ramadhan Kantor Cabang Yogyakarta 23 Juni 2016 Pembagian Takjil & Bantuan Ramadhan Activities at Yogyakarta Branch Office June 23, 2016 Distribution of Takjil and Aid 74 Kegiatan Ramadhan Kantor Cabang Samarinda 24 Juni 2016 Pembagian Takjil & Sumbangan Ramadhan Activities at Samarinda Branch Office June 24, 2016 Distribution of Takjil and Donations 75 Kegiatan Ramadhan Kantor Cabang Solo 28 Juni 2016 Pembagian Takjil & Bantuan Ramadhan Activities at Solo Branch Office June 28, 2016 Distribution of Takjil and Aid 76 Kegiatan Ramadhan Kantor Cabang Makassar 2 Juli 2016 Pembagian Takjil & Sumbangan Ramadhan Activities at Makassar Branch Office July 2, 2016 Distribution of Takjil and Donations 77 Kegiatan Ramadhan Kantor Cabang Sidoarjo 17 Juli 2016 Pembagian Takjil & Sumbangan Ramadhan Activities at Sidoarjo Branch Office July 17, 2016 Distribution of Takjil and Aid 78 Hari Anak Indonesia di Pelabuhan Sunda Kelapa 27 Juli 2016 Indonesian Children's Day at Sunda Kelapa Port July 27, 2016 79 Sumbangan Infaq 29 Juli 2016 Infaq Donation July 29, 2016 80 Bantuan pembangunan Masjid 02 Agustus 2016 Aid for Masjid Construction 02 Agustus 2016 81 Halal Bihalal & Kegiatan Sosial 04 Agustus 2016 Halal Bihalal & Social Activities August 4, 2016 82 Renovasi Masjid Nur Attaqwa 22 Agustus 2016 Masjid Nur Attaqwa Renovation August 22, 2016 83 Bantuan Idul Kurban 24 Agustus 2016 Eid al-Adha Aid August 24, 2016 84 Bantuan Idul Kurban 30 Agustus 2016 Eid al-Adha Aid August 30, 2016 85 Santunan 23 September 2016 Donation September 23, 2016 86 Bantuan Milad 27 September 2016 Aid for Anniversary September 27, 2016 87 Bantuan kegiatan Muharram 28 September 2016 Aid for Muharram Festival September 28, 2016 88 Bantuan Berobat sakit kanker 10 Oktober 2016 Cancer Treatment Aid October 10, 2016 89 Bantuan Mushola Al Ijtihad, Jakarta 31 Oktober 2016 Aid for Musholla Al Ijtihad, Jakarta October 31, 2016 90 Bantuan SMP Islam Terpadu Kuningan Jakarta 31 Oktober 2016 Aid for SMP Islam Terpadu Kuningan Jakarta October 31, 2016

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Masyarakat Community Masyarakat & PKPU, Rumah Zakat, Al Kahfi, YPPII, Masjid sekitar Kantor Community & PKPU, Rumah Zakat, Al Kahfi, YPPI, and Mosque nearby Masyarakat & Mushollah Baiturrahman Padang Community & Baiturrahman Mosque, Padang Masyarakat & Masjid Al-Latief Bandung Community & Al-Latief Mosque, Bandung Masyarakat & Panti Asuhan Al Haromain Surabaya Community & Al Haromain Orphanage Foundation, Surabaya Masyarakat & Panti Asuhan Aisyiah Semarang Community & Aisyiah Orphanage Foundation, Semarang Masyarakat & Panti Asuhan Al Fataa Bantul Community & Al Fataa Orphanage Foundation, Bantul Masyarakat & Pondok Pesantren Darul Fata Samarinda Community & Darul Fata Islamic Boarding School Masyarakat Griya Yatim & Dhuafa Surakarta Griya Yatim & Dhuafa Society, Surakarta Masyarakat & Masjid sekitar Kantor Community & Mosque Nearby Masyarakat & Panti Asuhan Attaubah Sidoarjo Community & Attaubah Orphanage Foundation, Sidoarjo Yayasan Belantara Budaya Indonesia Belantara Budaya Indonesia Foundation Masjid At Tin, Jakarta Timur Masjid At Tin, East Jakarta Masjid Assa'adah Cipinang Melayu, Jakarta Timur Masjid Assa'adah Cipinang Melayu East Jakarta Yayasan PIKA Bank Bukopin PIKA Bank Bukopin Foundation Masjid Nur Attaqwa Masjid Nur Attaqwa Masjid Animah Cibubur Masjid Animah Cibubur Polsek Senen, Jakarta Pusat Senen Sub-District Police Office, Central Jakarta Yayasan Nurul Amal Kr.Jati Jakarta Timur Nurul Amal Foundation Kr.Jati, East Jakarta Ormas Forum Betawi Rempug, Jakarta Pusat Forum Betawi Rempug Community Organization, Central Jakarta Muharam Festival Muharam Festival Pegawai Kopelindo Employee of Kopelindo Mushola Al Ijtihad, Jakarta Mushola Al Ijtihad, Jakarta SMP Islam Terpadu Kuningan Jakarta Integrated Islamic Junior High School of Kuningan, Jakarta



91 Bantuan kegiatan iB Vaganza 21 November 2016 Masyarakat Aid for iB Vaganza Activities November 21, 2016 Community 92 Milad BSB KP 1. Donor Darah 21 November 2016 PMI DKI Jakarta 2. Santunan Yayasan 25 November 2016 Yayasan Al Ikhlas Yatim/Piatu/Dhuafa Bekasi 3. Sunatan Massal 26 November 2016 Masyarakat BSB Head Office Anniversary 1. Blood Donors November 21, 2016 Indonesian Red Cross DKI Jakarta 2. Donation for Foundation November 25, 2016 Al Ikhlas Fatherless/Motherless/Poor Foundation Bekasi 3. Mass Circumcision November 26, 2016 Community 93 Bantuan Pendidikan Program Quran 28 November 2016 Darul Quran Aid for Quran Education Program November 28, 2016 Darul Quran 94 Bantuan Pengobatan 28 November 2016 Mantan Karyawan Aid for Medication November 28, 2016 Former Employee 95 Milad Kantor Cabang Medan 14 November 2016 Masyarakat Donor Darah Gratis & Sumbangan Medan Branch Office Anniversary November 14, 2016 Community Free Blood Donors & Donations 96 Milad Kantor Cabang Semarang 17 November 2016 Panti Asuhan Kyai Ageng Majapahit Semarang Bantuan Sumbangan Semarang Branch Office Anniversary November 17, 2016 Kyai Ageng Majapahit Orphanage Foundation, Aid Donations Semarang 97 Milad Kantor Cabang Surabaya 25 November 2016 Panti Asuhan & Masjid sekitar Kantor Bantuan Panti Asuhan & Masjid Sekitar Kantor Surabaya Branch Office Anniversary November 25, 2016 Orphanage Foundation & Mosque Nearby Aid Orphanage & Mosques Around Office 98 Milad Kantor Cabang Bukittinggi 3 Desember 2016 Pondok Pesantren Al Kautsar, Muhammadiyah Sumbangan Bukittiinggi Bukittinggi Branch Office Anniversary December 3, 2016 Al Kautsar Islamic Boarding School, Muhammadiyah Donations Bukittinggi 99 Milad Kantor Cabang Yogyakarta 3 Desember 2016 Masyarakat Kurang Mampu Pengobatan Gratis & Sumbangan Yogyakarta Branch Office Anniversary December 3, 2016 Underprivileged Community Free Medical Treatment & Donations 100 Milad Kantor Cabang Sidoarjo 3 Desember 2016 Masyarakat Cek Darah dan Kesehatan Gratis Sidoarjo Branch Office Anniversary December 3, 2016 Community Blood and Free Health Checks 101 Milad Kantor Cabang Solo 8 Desember 2016 Lazismu Solo Bantuan Sembako Solo Branch Office Anniversary December 8, 2016 Lazismu Solo Groceries Aid 102 Milad Kantor Cabang Bandung 9 Desember 2016 Panti Asuhan Anak Taman Harapan Muhammadiyah Sumbangan Al Maun Bandung Bandung Branch Office Anniversary December 9, 2016 Taman Anak Harapan Muhammadiyah Al Maun Donations Orphanage Foundation, Bandung 103 Milad Kantor Cabang Makassar 9 Desember 2016 Masyarakat Donor Darah Gratis Makassar Branch Office Anniversary December 9, 2016 Community Free Blood Donors 104 Milad Kantor Cabang Samarinda 10 Desember 2016 Masyarakat Khitanan Massal Samarinda Branch Office Anniversary December 10, 2016 Community Mass circumcision 105 Pengajian KC Samarinda Desember 2016 Guru Ngaji Mass Quran Reading at Samarinda Branch Office December 2016 Quran Reading Teacher 106 Sumbangan Masjid 9 Desember 2016 Masjid Nurul Ikhlas, Tasikmalaya Masjid Donation December 9, 2016 Masjid Nurul Ikhlas, Tasikmalaya TOTAL/TOTAL 597,701,942.00


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CSR Edukasi PT Bank Syariah Bukopin 2015 - 2016 CSR Education of PT Bank Syariah Bukopin 2015 - 2016 No TUJUAN Jenis Kegiatan Sosial (Edukasi) No. DESTINATION Social Activity (Education)

1 TK Negeri Pembina 2 Komunitas Motor Tangerang dan sekitarnya 3 Pecinta Hewan Kucing 4 Pengajian Format 5 SMKN 3 Depok 6 Pengajian Muhajaddah Masjid Al- Azhom 7 Pengajian BKMT Al- Azhom 8 Masjid Asmaul Husna, Serpong 9 Yayasan Babussalam 10 TK Amalia 11 Universitas Padjadjaran 12 Universitas Muhammadiyah Makassar 13 SD Al Falah

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Kunjungan ke Bank/ A visit to the Bank Edukasi mengenai produk perbankan syariah/ Education regarding sharia banking products Edukasi kepada Komunitas/ Educating the community Edukasi kepada komunitas/ Educating the community Kunjungan ke Bank/ A visit to the Bank Edukasi kepada komunitas/ Educating the community Edukasi kepada komunitas/ Educating the community Edukasi kepada komunitas/ Educating the community BOD Mengajar/ BOD Teaching Edukasi Menabung di mobil kas keliling/ Education Savings in mobile cash BOD Mengajar/ BOD Teaching BOD Mengajar/ BOD Teaching Edukasi Menabung di Mobil Kas Keliling/ Education Savings in mobile cash

Waktu Lokasi DATE Location

15 Januari 2016/ January 15, 2016 23 Januari 2016/ January 23, 2016

Bukittinggi

13 Maret 2016/ March 13, 2016 20 April 2016/ April 20, 2016 25 April 2016/ April 25, 2016 3 Mei 2016/ May 3, 2016 18 Mei 2016/ May 18, 2016 6 Juni 2016/ June 6, 2016 6 Agustus 2016/ August 6, 2016 2 September 2016/ September 2, 2016

Bekasi

13 Oktober 2016/ October 13, 2016 19 Oktober 2016/ October 19, 2016 28 Oktober 2016/ October 28, 2016

BSD

BSD Melawai BSD BSD BSD Pekanbaru Makassar

Jatinangor, Sumedang Makassar Surabaya

Edukasi Menabung di SD Al-Falah, Surabaya Education saving at SD Al-Falah, Surabaya Kunjungan SMKN 3 Depok A visit from SMKN 3 Depok

Pembagian Takjil Takjil Distribution

Sahur on the Road Sahur on the Road

Donor Darah Blood Donation

BOD Mengajar di Pekanbaru BOD Mengajar at Pekanbaru

Kegiatan CSR di Kramat Jati CSR activity at Kramat Jati BOD Mengajar di Universitas Muhammadiyah Makassar BOD Mengajar at Universitas Muhammadiyah Makassar

Bantuan Pengobatan Aid for Medication

BOD Mengajar di Universitas Padjajaran Bandung BOD Mengajar at Universitas Padjajaran Bandung

Sunatan Massal mass circumcision

Kopi Darat di BSD Motorcycle Community Gathering at BSD


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Teknologi Informasi

Information Technology

180 |


Menerapkan IT Alignment IT Alignment Implementation Pengembangan TI memiliki banyak manfaat. Mengingat banyaknya manfaat, Perseroan mengembangkan TI berdasarkan pada kebutuhan bisnis ke depan. IT development has many benefits. Considering these benefits, the Company develops IT based on business needs in the future.

P

D

engembangan Teknologi Informasi (TI) memiliki manfaat yang luas untuk berbagai aspek, baik aspek pemasaran, telekomunikasi, otomasi transaksi, akselerasi bisnis proses, pengambilan keputusan manajemen, maupun kebutuhan nasabah. Pengembangan TI memberikan kesempatan yang luas pada Perseroan untuk meningkatkan kemampuan penyelenggaraan usaha, baik untuk meningkatkan kinerja keuangan maupun mengakselerasi pencapaian kinerja non-keuangan.

evelopment of Information Technology (IT) have broad benefits for various aspects, both aspects of marketing, telecommunications, automation of transactions, acceleration business processes, management decision making, as well as customers’ needs. IT development provides gives opportunity to the Company to increase the ability of doing business, both to improve financial performance and accelerate the achievement of non-financial performance.

Salah satu alasan dilakukannya pengembangan TI adalah sebagai akselerator perubahan budaya kerja. Dengan dilakukannya pengembangan TI, maka banyak proses manual yang dapat dikurangi atau dibuat lebih efisien. Bahkan, dengan otomasi dapat mengubah the way of doing business secara fundamental.

One of the reason for doing development of information technology is to accelerate change in work culture. By doing IT development, many manual processes can be reduced or made more efficient. In fact, with automation it can change the way of doing business fundamentally.

Terkait hal itu, Perseroan dalam menjalankan bisnisnya menetapkan visi dan misi perusahaan sebagai pedoman dalam menetapkan strategi jangka panjang yang dituangkan dalam Rencana Bisnis Bank (RBB) atau corporate plan selama kurun waktu 5 (lima) tahun. Kebijakan Perseroan dalam pengembangan TI menerapkan prinsip IT Alignment, yakni setiap pengembangan selalu menyesuaikan dengan kebutuhan bisnis perusahaan yang ada pada corporate plan. Visi, Misi dan Strategi jangka panjang TI yang align dengan corporate plan dituangkan dalam Roadmap dan IT Strategic Plan 2016–2020.

Related to that, the Company in running its business set the vision and mission of the Company as a guide in setting long-term strategy as outlined in the Bank Bussiness Plan or corporate plan for 5 (five) years period. The Company policy implement IT Alignment in developing IT department, in which every development always adapt with corporate business need contained in corporate plan. Vision, mission and long-term IT strategies that align with the corporate plan outlined in the Roadmap and the IT Strategic Plan 2016-2020.


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Teknologi Informasi Information Technology

Visi pengembangan TI adalah memberdayakan TI seluasnya untuk kemajuan bank dan kemaslahatan nasabah, serta misi menyelenggarakan layanan TI adalah transaksi perbankan yang amanah dan berkualitas secara efisien. Untuk mencapai visi dengan misi yang telah ditetapkan dibuatlah 4 (empat) sasaran strategis, yakni sebagai berikut: a. Penguatan organisasi, SDI, dan tata kelola TI.

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IT development vision is to empower IT as widest as possible to enhance the progress and welfare of customers, as well as the mission of organizing IT services as a banking services which trustful and qualified efficiently. To achieve these vision and mission, the Company has set 4 (four) strategic objective, as follows:

b. Peningkatan kapabilitas infrastruktur dan keamanan informasi. c. Pengembangan kapabilitas pendukung e-channel dan transaksi. d. Penyiapan teknologi pendukung analisis informasi dan otomasi operasi.

a. Strengthening the organization, human resources and IT governance. b. Increased capability of infrastructure and information security. c. Development in capability to support e-channel and transactions. d. Preparation of supporting technology information analysis and automation of operations.

Masing-masing sasaran strategis terdiri dari beberapa inisiatif strategis TI yang kemudian dituangkan dalam rencana investasi dan roadmap pengembangan TI.

Each strategic objective consists numbers of strategic initiatives which then outlined in the IT investment plans and IT development roadmap.

Adapun pengembangan TI yang dilakukan sepanjang tahun 2016 antara lain meliputi: l Kerjasama host to host dengan Kementerian Keuangan di mana perusahaan telah ditunjuk sebagai Bank Persepsi dan Bank Operasional 2 dengan melakukan pengembangan host to host Modul Penerimaan Negara Generasi II dan host to host dengan SPAN (Sistem Perbendaharaan Anggaran Negara). Kerja sama ini bermanfaat bagi memberikan layanan pembayaran pajak bagi nasabah dan layanan payroll bagi para Pegawai Negeri Sipil (PNS) yang membuka rekening. l Sementara dalam hal memberikan kemudahan kepada nasabah untuk bertransaksi (financial inclusion) perusahaan telah mengembangkan teknologi mobile banking (M-BSB) dan SMS banking. l Perseroan juga mengembangkan otomasi Sistem Kliring Nasional (SKN) Incoming, aplikasi Inventaris, Financial Performance Dashboard, Sistem Bank Garansi pada core banking, Sistem Self Assessment untuk Risiko Pembiayaan, Self Assessment untuk Compliance dan host to host pembayaran SPP dengan beberapa Universitas Muhammadiyah, seperti Universitas Ahmad Dahlan, Universitas Muhammadiyah Makassar, Universitas Muhammadiyah Surakarta, Universitas Muhammadiyah Tangerang (melalui virtual account) dan Universitas Muhammadiyah Jakarta. l Pengembangan lainnya meliputi pengembangan Sistem Integrasi Pelaporan LSMK/XBRL secara berkelanjutan.

The IT development carried out during 2016 include the following: l Host to host cooperation with Financial Ministry in which the Company has been appointed as Perception Bank and 2nd Operational Bank, by developing host to host Module State Revenue Generation II and host to host by SPAN (Treasury System of the State Budget). This cooperation is beneficial to provide tax payment services for customers and payroll services for Civil Servants who opens an account.

Investasi Anggaran TI Sepanjang 2016, Perseroan mengeluarkan investasi anggaran TI sekitar Rp8.000.000.000 (delapan miliar rupiah) yang di antaranya digunakan, sebagai berikut:

IT Investment Budget Throughout 2016, the Company have invested budget in IT at around Rp8,000,000,000 (eigth billion rupiah) among others use for:


l Meanwhile in terms of providing convenience to

customers transaction (financial inclusion) the Company has developed a mobile banking technology (M-BSB) and SMS banking. l The Company has also developed automation on Incoming SKN, application inventory, Financial Performance Dashboard, Warranty Bank system on core banking, System Self Assessment system for Risk Financing, Self Assessment for Compliance and host to host in tuition payment of Muhammadiyah University Group, such as the University of Ahmad Dahlan, University Muhammadiyah Makassar, University Muhammadiyah Surakatra, Muhammadiyah University Tangerang (via virtual account) and the University of Muhammadiyah Jakarta. l Another development includes the development of System Integration Reporting LSMK / XBRL periodically.

a. Upgrade Kapabilitas dan Membangun Infrastruktur. Hal yang dilakukan seperti penggantian sistem replikasi core banking menjadi lebih cepat dan efisien, maintenance mesin AS/400, sewa link komunikasi existing, upgrade dan sewa bandwidth backhaul kantor pusat, upgrade dan sewa bandwidth jaringan point-topoint BSB-BKP dan upgrade RAM server aplikasi data center dan disaster recovery center (DRC). Selain itu, ada juga peningkatan bandwidth jaringan komunikasi ke BI ekstranet yang digunakan oleh SKN BI, RTGS dan aplikasi pelaporan BI lainnya. Koneksi jaringan baru yang dibuka antara lain koneksi jaringan ke Kementerian Keuangan (PUSINTEK) guna mendukung host to host Modul Penerimaan Negara (MPN) Generasi II dan Interkoneksi Sistem Perbendaharaan Anggaran Negara (SPAN).

a. Upgrade Capabilities and Infrastructure Development. The activity among others are replika system canging in core banking faster and more efficient, machine AS/400 maintenance, rent existing link communication, upgrade and rent network bandwidth point to point from BSB-BKP and RAM upgrade for data application server and disaster recovery center (DRC). And also an enhancement in communication network badwidth to BI extranet which used by SKN BI, RTGS and other BI reporting application. New network connection among others are network connection to Finance Ministry (PUSINTEK) to support host to host MPN 2nd Generation and SPAN interconnection.

b. Mitigasi Risiko TI. Mitigasi ini dilakukan, baik risiko strategis maupun risiko operasional, seperti penyusunan roadmap dan ITSP 2016-2020, penetration testing data center, penetration testing sms banking dan mobile banking, penyusunan BCP/DRP, upgrade switching berbasis National Standard Indonesia Chip Card Spesification (NSICCS), upgrade versi antivirus, dan upgrade operating system firewall untuk security.

b. IT Risk Mitigation. Mitigation has been done, strategic risk as well as operational risk, such as roadmap framing and ITSP 2016-2020, data center testing penetration, sms banking and mobile banking penetration test, BCP/ DRP framing, switching upgrade based on NSICCS, antivirus upgrade, and firewall operating system upgrade for security.

Rencana Strategi Tahun 2017 Ke depan dalam rangka mendukung financial inclusion, maka Perseroan berencana memperluas jaringan maupun channel, baik melalui kerja sama Layanan Syariah Bank dengan induk perusahaan, pengembangan ATM acquire secara mandiri untuk meningkatkan fee based income, pengembangan transaksi melalui channel Electronic Data Capture (EDC). Pengembangan lain yang dilakukan adalah otomasi transaksi layanan transfer nasabah di internal middle office, seperti SKN outgoing dan RTGS incoming/ outgoing. Selain itu, guna mendukung perspektif internal business process yang juga berkontribusi terhadap kinerja perusahaan seperti halnya perspektif keuangan, Perseroan berencana membangun sistem ban berjalan (workflow) guna mempercepat dan memonitor proses pengajuan pembiayaan oleh nasabah dari hulu ke hilir, termasuk di dalamnya sistem scoring pembiayaan dan financial risk opinion system. Pengembangan infrastruktur pendukung pada 2017 yaitu modernisasi storage.

Strategic Plan 2017 In the future in terms of supporting financial inclusion, thus the Company pan to enhance network and channel, through Sharia Bank services cooperation with head of corporation, acquire ATM development independently to increase fee based income, transaction development through Electronic Data Capture (EDC) channel, as well as internet banking development. Others development are automation transfer service transaction internal middle office, such as outgoing SKN and incoming/outgoing RTGS. Aside of that to support internal business process perspective which also contribute towards corporate performance as well as financial perspective, the Company plan to build workflow system to accelerate and monitor submission of financing by customer from upstream to downstream, including scoring system in financing and financial risk opinion system. The supporting infrastructure development in 2017 is the storage modernization.

Rencana strategi setelah tahun 2017, Perseroan juga berminat mengembangkan digital branch dan branchless banking guna menyesuaikan dengan perkembangan teknologi untuk mendukung financial inclusion, maka Perseroan berencana mengembangkan layanan internet banking pada saat nanti menjadi Bank BUKU 2. Tidak menutup kemungkinan kerja sama dengan perusahaan financial technology guna memperluas potensi bisnis dan memberikan kemudahan kepada masyarakat dalam memilih produk keuangan sesuai kebutuhan.

The strategic plan after 2017, the Company is also interested in developing the digital branch and branchless banking in order to adapt to the development of technology to support financial inclusion, the company plans to develop internet banking service at the time later became Bank BUKU 2. Does not rule out the possibility of cooperation with financial technology companies to expand business potential and provide convenience to the public in selecting financial products as needed.


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Jaringan Kantor Office Network

No. STATUS KANTOR NAMA KANTOR No. OFFICE STATUS OFFICE NAME

ALAMAT ADDRESS

TELEPON PHONE

FAX FAX

ATM ATM

Kantor Pusat dan Operasional/Operational and Head Office 1

Kantor Pusat KPO - SALEMBA dan Operasi

JL. Salemba Raya No.55, Kel. Paseban, Kec. Senen, Jakarta Pusat, 10440

(021) 2300912

(021) 3148401

1

Kantor Cabang/Branch Office 1 Kantor Cabang KC SAMARINDA JL. P. Diponegoro No. 40, Kel. Pelabuhan, (0541) 732320 (0541) 732731 Kec. Samarinda Ilir, Samarinda, 75111, Kalimantan Timur 2 Kantor Cabang KC SIDOARJO Jl. Raya Waru Sidoarjo Ruko Gateway Blok A5-6, (031) 8537676 (031) 8537677 Kel. Sawo Tratap, Kec. Gedongan, Sidoarjo, 61254, Jatim 3 Kantor Cabang KC MELAWAI Jl. Melawai Raya No. 5, Kel. Melawai, (021) 2700072 (021) 2702292-93 4 Kantor Cabang KC BANDUNG Jl. R. E. Martadinata No. 142, Kel. Merdeka, Kec. Sumur, (022) 7213373 (022) 7213380 Bandung, 40113, Jawa Barat 5 Kantor Cabang KC SURABAYA Jl. Raya Darmo No. 136 Kel. Darmo, Kec. Wonokromo, (031) 5636485/ (031)5681274 Surabaya, 60241, Jawa Timur 5636486 6 Kantor Cabang KC MEDAN Jl. S. Parman No. 77, Kel. Medan Baru, Kec. Patisah Hulu (061) 4523577 (061) 4523677 Medan, 20153, Sumater Utara 7 Kantor Cabang KC BUKIT TINGGI Jl. Perintis Kemerdekaan No. 16, Kel. Aur Tjangkung Tengah, (0752) 627420 (0752) 627421 Kec. Sawah, Bukit Tinggi, 26111, Sumatera Barat 8 Kantor Cabang KC MAKASSAR Jl. Sam Ratulangi Nomor 98 AB, Kel. Mario, Kec. Mariso, (0411) 877289 (0411) 874809 Makassar, 90133, Sulawesi Selatan 9 Kantor Cabang KC Solo Jl. Slamet Riyadi No. 271 Kec. Sriwedari, (0271) 729633 0271 - 720310 Kec. Laweyan, Surakarta, 57111 Jawa Tengah 10 Kantor Cabang KC Semarang JL. Gajah Mada Nomor 97, Ruko Gajah Mada Petak (024) 3515305 (024) 3516788 Unit 5, Kel. Miroto, Kec. Semarang Tengh, Kota Semarang, 50134 11 Kantor Cabang KC Yogyakarta JL. MT Haryono No. 07, (Gading Square), Kel. Suryodingratan, (0274) 387713/ (0274) 388939 Kec. Mantrijeron, Kota Yogyakarta, 55141 373832 No. STATUS KANTOR NAMA KANTOR No. OFFICE STATUS OFFICE NAME

ALAMAT ADDRESS

TELEPON PHONE

FAX FAX

1 1 1 1 4 1 1 1 1 1 1 15 ATM ATM

Kantor Cabang Pembantu/Sub-Branch Office 1 Kantor Cabang KCP KRAMAT JATI Ruko Kokan Anggatra PP-6.A1. (021) 80877075 (021) 8093224 Pembantu Jl. Ry Bogor, Kr. Jati, Jakarta Timur, 13510 2 Kantor Cabang KCP PAYAKUMBUH Jl. Soekarno Hatta No. 136, Payakumbuh, 26211 (0752) 90844/ (0752) 90847 Pembantu 90845 3 Kantor Cabang KCP UPI YPTK - Jl.Raya Lubuk Bagalung, Padang, 25221 (0751) 777610 (0751) 777610 Pembantu Padang 4 Kantor Cabang KCP HR.Muhammad Jl. HR Muhammad No. 179 Komplek Surya Inti Permata II C-8, (031) 7323545 (031) 7323547 Pembantu Kali Kendal, Dukuh Pakis, Surabaya, 60226 5 Kantor Cabang KCP Kelapa Gading Jl. Boulevard Barat Raya Blok A No. 28, Kelapa Gading Barat, (021) 45859426/ (021) 45859433 Pembantu Kelapa Gading, Jakarta Utara, 14240 45859432 6 Kantor Cabang KCP Bekasi Jl. Ahmad Yani, Blok A-10 Nomor 14, Ruko Sentral Niaga, (021) 8894671 (021) 88850283 Pembantu Margajaya, Bekasi Selatan, Bekasi, 17510 7 Kantor Cabang KCP BSD Jl. Raya Serpong, Ruko Melati Mas Blok A2-11, (021) 5376449 (021) 5376453 Pembantu BSD Serpong, Tangerang Selatan, 15320

184 |


2 1 1 1 1 1 1 8


ALAMAT ADDRESS

TELEPON PHONE

FAX FAX

ATM ATM

Kantor Kas/Cash Office 1 Kantor Kas KK RS Jl. Banteng No. 53, Bandung, 40264 (022) 7323307 (022) 7323307 Muhammadiyah Bandung 2 Kantor Kas KK Universitas Jl. A. Yani, Tromol Pos 1, Pabelan, Kartasura, (0271) 731853 (0271) 731853 Muhammadiyah Surakarta, 57102 Surakarta 3 Kantor Kas KK Universitas Jl. Sultan Alaudin No. 259, Gunung Sari, (0411) 881559 (0411) 881559 Muhammadiyah Rappocini, Makassar, 90221 Makassar 4 Kantor Kas KK Universitas Jl. Perintis Kemerdekaan I/33, Babakan, (021) 55735252 (021) 55735252 Muhammadiyah Cikokol, Tangerang, 15117 Tangerang


ALAMAT ADDRESS

TELEPON PHONE

FAX FAX

1 0 1 1 3

ATM ATM

Mobil Kas Keliling/Mobile Cash Car 1 Mobil Kas Keliling Mobil Kas Keliling JL. Salemba Raya No. 55, Kel. Paseban, (021) 2300912 (021) 3148401 Kec. Senen, Jakarta Pusat, 10440 2 Mobil Kas Keliling Mobil Kas Keliling Jl. Melawai Raya No. 5, Kel. Melawai, (021) 2700072 (021) 2702292-93 Kec. Kebayoran Baru, Jakarta Selatan, 12160 3 Mobil Kas Keliling Mobil Kas Keliling Jl. Sam Ratulangi Nomor 98 AB, Kel. Mario, (0411) 877289 (0411) 874809 Kec. Mariso, Makassar, 90133, Sulawesi Selatan 4 Mobil Kas Keliling Mobil Kas Keliling Jl. R.E. Martadinata No. 142, Kel. Merdeka, (022) 7213373 (022) 7213380 Kec. Sumur, Bandung, 40113, Jawa Barat 5 Mobil Kas Keliling Mobil Kas Keliling Jl. Raya Darmo No. 136 Kel. Darmo, (031) 5636485/ (031) 5681274 Kec. Wonokromo, Surabaya, 60241, Jawa Timur 5636486


ALAMAT ADDRESS

TELEPON PHONE

1 1 1 1 1 5

FAX FAX

Kantor Layanan Syariah Bank/Sharia Services Bank 1 2 3 4 5 6 7 8

Kantor Layanan KPO Bank Bukopin Jl. MT Haryono Kav. 50-51 Jakarta Selatan SYARIAH BANK Kantor Layanan Capem Kebayoran Jl. RS Fatmawati No. 7 Blok A, Kebayoran Baru, SYARIAH BANK Baru Jakarta Selatan 12140 Kantor Layanan Capem PTC Gedung PTC, Ruko Blok A.1 No. 10 Jl. Raya Bekasi, SYARIAH BANK PuloGadung Kawasan Industri Pulogadung, Jakarta Timur Kantor Layanan Capem Kebayoran Jl. Raya Kebayoran Lama No. 10, Jakarta Selatan 12220 SYARIAH BANK Lama Kantor Layanan Capem Tanjung Jl. Enggano No. 28, Tanjung Priok, Jakarta Utara 14310 SYARIAH BANK Priok Kantor Layanan Capem Pondok Gede Plaza Pondok Gede Ruko Blok H No. 8, SYARIAH BANK Jl. Raya Pondok Gede Jatiwaringin, Bekasi 17411 Kantor Layanan Capem Oil Centre Gedung Oil Centre, Jl. Thamrin Kav. 55, Jakarta 10350 SYARIAH BANK Thamrin Kantor Layanan Capem plaza asia Jl. Jenderal Sudirman Kav. 59 No. 77, SYARIAH BANK lt. GF-d Blok A, Senayan, Kebayoran Baru, Jakarta Selatan

9 10 11 12 13 14 15

Kantor Layanan Capem Bulog II Gedung Diklat Bulog II, Kuningan Timur Blok M II No. 5, SYARIAH BANK Jakarta Selatan 12950 Kantor Layanan Capem rasuna said gedung dep. koperasi & UMKM Lt. 1, Jl. HR Rasuna Said Kav. 3-5, SYARIAH BANK Kuningan Jakarta Selatan Kantor Layanan Capem Bintaro komplek rukan bintaro sektor 3 a/a-16,17 SYARIAH BANK jl. bintaro utama iii a, pondok aren, tangerang Kantor Layanan Capem S. Parman Jl. letjen S. Parman Kav. 80, Slipi, Jakarta Barat SYARIAH BANK Kantor Layanan Capem Gunung Jl. Gunung Sahari Raya No. 86 C, Jakarta Pusat SYARIAH BANK Sahari Kantor Layanan Capem Pondok Plaza V Pondok Indah Kav. A-11, Jl. Marga Guna Raya, SYARIAH BANK Indah plaza v Pondok Indah, Jakarta Selatan Kantor Layanan Capem Depok Jl. Margonda Raya No. 224.C, Kemiri Muka, Beji, Depok SYARIAH BANK

(021) 7988266

(021) 7980625

(021) 7245577

(021) 7398600

(021) 46800017/19

(021) 46800201

(021) 7393737

(021) 2700578

(021) 29467520

(021) 43900068

(021) 84990257

(021) 84995890

(021) 31900612

(021) 31902356

(021) 51401083

(021) 51401082

(021) 5204262,

(021) 5204265

(021) 5257903

(021) 5221579

(021) 7371313

(021) 7375587

(021) 5604307

(021) 56957735

(021) 4214755

(021) 4257791

(021) 7396863

(021) 7396882

(021) 7761145

(021) 7760809


| 185


ALAMAT ADDRESS

TELEPON PHONE

FAX FAX

Kantor Layanan SYARIAH BANK/Sharia Services Bank 16 Kantor Layanan Capem Cikokol Gedung PLN Cikokol Tangerang, (021) 5527060, SYARIAH BANK Tangerang Jl Jenderal Sudirman No. 1, Cikokol, Tangerang 5512660 17 Kantor Layanan Capem Bekasi Ruko Niaga Kalimas Blok C-17, (021)88357688, SYARIAH BANK Kalimas Jl. Inspeksi Kalimalang, Bekasi Timur 18 Kantor Layanan Capem Kelapa Jl. Boulevard Barat Raya Ruko Inkopal, Blok A No. 15,/16 (021) 45854592, SYARIAH BANK Gading Kelapa Gading, Jakarta Utara 45851405 19 Kantor Layanan Capem Roxy Mas Jl. KH Hasyim Ashari, Kompleks ITC Roxy Mas, Blok D3 No. 14 (021) 6339430 SYARIAH BANK Cideng, Jakarta Pusat 20 Kantor Layanan Kantor kas jl. gatot subroto kav. 71-73, pancoran, jakarta selatan (021) 83700825 SYARIAH BANK bidakara 21 Kantor Layanan Kantor Kas metro Jl. kh. wahid hasyim no. 151, tanah abang, jakarta pusat (021) 3003914 SYARIAH BANK tanah abang 22 Kantor Layanan Kantor Kas PLN Jl. Yos Sudarso Kav. 65, Jakarta Utara (021) 65303328 SYARIAH BANK Sunter - 1 23 Kantor Layanan Kantor Kas Gedung Bank Liman Lantai 2, (021) 3504268 SYARIAH BANK Jamsostek Jl. Ir. H.Juanda No. 12 Jakarta Pusat 10120 Gambir 24 Kantor Layanan Capem Kebon Jeruk Graha Mas blok b 1-2, Jl. Perjuangan Raya No. 88, (021) 53673891 SYARIAH BANK kebon jeruk, Jakarta Barat 25 Kantor Layanan Capem Margonda Jl. Margonda Raya No. 9-10, Depok (021) 7871768, SYARIAH BANK Residence 7872148 26 Kantor Layanan Capem Cinere Jl. Cinere Raya Blok A No. 26-27, Cinere, Depok (021) 7536335 SYARIAH BANK 27 Kantor Layanan Capem BSD City Ruko Golden Boulevard Blok GI No. 2, (021) 5376777 SYARIAH BANK Jl.Pahlamawan Seribu, Tangerang 28 Kantor Layanan Capem Pondok Indah Pondok Indah Plaza I Jl.Metro Duta Plaza I (021) 7657707 SYARIAH BANK plaza i Kav UA No. 6, Pondok Indah, Jakarta Selatan 29 Kantor Layanan Capem Citra Kawasan Ruko Citra Grand R-3 No. 37, Jl. Alternatif Cibubur (021) 84591952, SYARIAH BANK Grand Cibubur (Trans Yogie KM 4), Jatikarya, Jatisampurna, Bekasi 84592140 30 Kantor Layanan Cabang Bandung Jl. Asia Afrika No. 121, Bandung (022) 4234569 SYARIAH BANK 31 Kantor Layanan Capem Buah Batu Jl. Buah Batu No. 186-b, Bandung 40264 (022) 7317952 SYARIAH BANK 32 Kantor Layanan Capem DR. saharjo Jl. Dr. saharjo no.137 blok ad/e, tebet, jakarta selatan (021) 83702515 SYARIAH BANK 33 Kantor Layanan Capem Setia Budi Jl. Setia Budi No. 170 B,-12, Bandung (022) 2034777 SYARIAH BANK 34 Kantor Layanan Capem Antapani Jl. Terusan Jakarta No. 53 Blok p, Borma, Bandung (022) 7209006, SYARIAH BANK 7206769 35 Kantor Layanan Cabang Tasikmalaya Jl. Sutisna Senjaya No. 72, Tasikmalaya, Jawa Barat (0265) 340800 SYARIAH BANK 36 Kantor Layanan Capem Cirebon Jl. DR. Sucipto Mangunkusumo No. 101, Cirebon (0231) 230707 SYARIAH BANK 37 Kantor Layanan Capem Klaten Jl. Pemuda Utara No. 82, Klaten (0272) 321835 SYARIAH BANK 38 Kantor Layanan Capem Sragen Jl. Raya Sukowati No. 170, Sragen (0271) 890979 SYARIAH BANK 39 Kantor Layanan Capem Boyolali Jl. Pandaranaran Ruko C2-d2, Boyolali (0276) 321283 SYARIAH BANK 40 Kantor Layanan Cabang Surabaya Jl. panglima sudirman, kav. 10/16,, Surabaya, jawa timur (031) 5451117 SYARIAH BANK 41 Kantor Layanan Capem Mojokerto Jl. JayaNegara No. 17, Mojokerto 61231 (0321) 329331, SYARIAH BANK 329332 42 Kantor Layanan Capem Gresik komplek pertokoan Multi Sarana Plaza Blok A No. 4, (031) 3985571 SYARIAH BANK Jl. Gubernur Suryo, Gresik 61118 43 Kantor Layanan Capem Perak Barat Jl. Perak Barat No. 61, Surabaya (031) 3540533, SYARIAH BANK 3540534 44 Kantor Layanan Cabang Sidoarjo Jl. A. Yani No. 27, Sidoarjo 61212 (031) 8921091, SYARIAH BANK 45 Kantor Layanan Cabang Medan Jl. Gajah Mada No. 23.B Medan 20153 (061) 4152445, SYARIAH BANK 4259266 46 Kantor Layanan Capem AR Hakim Jl. Arif Rahman Hakim No. 92.B, Medan (061) 7356447 SYARIAH BANK 47 Kantor Layanan Capem golden Jl. gatot subroto No. 17-18, Medan (061) 4524777 SYARIAH BANK 48 Kantor Layanan Cabang Padang Jl. Jend. Sudirman No. 4, Padang, sumatera barat (0751) 31821, SYARIAH BANK 31825, 31826 49 Kantor Layanan Capem M. Yamin Jl. Prof. M. Yamin No. 129, Padang, sumatera barat (0751) 39695, 38382 SYARIAH BANK

186 |


(021)55772841 (021)88357610 (021) 4532864 (021) 63858536 (021) 83700826 (021) 30039334 (021) 65303328 (021) 3504268 (021) 5302505 (021) 7870677 (021) 7546234 (021) 53160969 (021) 7504010, 7504011 (021) 84591804 (022) 4235081 (022) 7309440 (021) 83701202 (022) 2033966 (022) 7205943 (0265) 312872 (0231) 230606 (0272) 322522 (0272) 890978 (0276) 321282 (031) 5320032 (0321) 329330 (031) 3981562 (031) 3537223 (031) 8921871 (061) 4529228 (061) 7346463 (061) 4530352 (0751) 32073 (0751) 22544


ALAMAT ADDRESS

TELEPON PHONE

FAX FAX

Kantor Layanan SYARIAH BANK/Sharia Services Bank 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71

Kantor Layanan Cabang Samarinda Jl. jendral sudirman No. 1, Samarinda (0541) 732050 SYARIAH BANK kalimantan Timur Kantor Layanan Cabang Makassar Jl. Slamet Riyadi No. 2 Makassar (0411) 3620740 SYARIAH BANK Kantor Layanan Capem Panakukang Jl. Pengayoman Ruko Mirah II - 20, Panakukang Makassar (0411) 452991 SYARIAH BANK Mas Kantor Layanan Capem Cendrawasih Jl. Cendrawasih No. 155, Makassar (0411) 854666 SYARIAH BANK Kantor Layanan Capem Melawai Jl. melawai raya no.66, kebayoran baru, jakarta selatan (021) 72789683 SYARIAH BANK Kantor Layanan Capem billy moon Jl. raya kalimalang blok m kav. 3 e, jakarta timur (021) 8657137 SYARIAH BANK Kantor Layanan Capem bekasi barat komplek sentra niaga kalimalang blok a 4 no. 3, 4, 10, 11 (021) 88850747 SYARIAH BANK jl. ahmad yani, bekasi barat Kantor Layanan Capem meruya Jl. meruya selatan no. 12A, kembangan, jakarta barat (021) 5862649 SYARIAH BANK Kantor Layanan kantor kas perbanas Jl. karet perbanas, kuningan, jakarta selatan (021) 52921286 SYARIAH BANK Kantor Layanan kantor kas pln Jl. sisingamangaraja no. 1, kebayoran baru, (021) 7244754 SYARIAH BANK bulungan csw jakarta selatan Kantor Layanan Capem cimahi Jl. raya cibabat no. 88, cimahi, jawa barat (022) 6647264 SYARIAH BANK Kantor Layanan Capem pengalengan Jl. raya pengalengan no. 331, bandung, jawa barat (022) 5979101 SYARIAH BANK Kantor Layanan Capem tebet Jl. tebet barat dalam raya no. 153 a, tebet, jakarta selatan (021) 83790423 SYARIAH BANK Kantor Layanan cabang solo Jl. sudirman no. 10, Solo, jawa tengah (0271) 665252 SYARIAH BANK Kantor Layanan cabang semarang Jl. pandanaran no. 125, semarang, jawa tengah (024) 8412132 SYARIAH BANK Kantor Layanan cabang yogyakarta Jl. diponegoro no. 99/111, yogyakarta (0274) 513531 SYARIAH BANK Kantor Layanan Capem pangkep Jl. kemakmuran no. 53, pangkep, sulawesi selatan (0411) 22454 SYARIAH BANK Kantor Layanan Capem sidrap Jl. a. yani no. 23, pangkajene, sidrap, sulawesi selatan (0421) 96556 SYARIAH BANK Kantor Layanan cabang malang Jl. semeru 35, malang, jawa timur (0341) 365709 SYARIAH BANK Kantor Layanan Capem bratang komplek ruko rmi (rukun makmur indah) blok J n0. 1 dan 2 (031) 5013270 SYARIAH BANK jl. bratang binangun, kecamatan gubeng, surabaya Kantor Layanan capem paripurna Jl. mesjid raya no. 70/a2, makassar (0411) 443251 SYARIAH BANK (masjid raya) Kantor Layanan Capem wisma kalla jl. dr. ratulangi no. 08, makassar (0411) 851292 SYARIAH BANK

72 73 74

Kantor Layanan capem ahmad yani Jl. ahmad yani no. 88 c, samarinda SYARIAH BANK Kantor Layanan Capem cendrawasih jl. cendrawasih no. 155, makassar SYARIAH BANK Kantor Layanan cabang pare pare Jl. andi makasau no. 63, pare pare, sulawesi selatan SYARIAH BANK

(0541) 732052 (0411) 3620747 (0411) 452826 (0411) 854222 (021) 72789688 (021) 8645506 (021) 88850330 (021) 5866516 (021) 52911287 (021) 7244859 (022) 6647263 (022) 5979200 (021) 83701728 (0271) 669292 (024) 8414081 (0274) 513510 (0410) 22947 (0421) 96553 (0341) 365820 (031) 5013260 (0411) 443271 (0411) 851764

(0541) 745484, 748876 (0411) 854666

(0541) 746613 (0411) 85222

(0421) 27799

(0421) 27766


| 187

Laporan Keuangan tanggal 31 Desember 2016 dan untuk tahun yang berakhir pada tanggal tersebut beserta laporan auditor independen Financial statements as of December 31, 2016 and for the year then ended with independent auditors’ report

LKAP ARBSB 2016.indd i

06/04/2017 20:52:13

Halaman ini sengaja dikosongkan

LKAP ARBSB 2016.indd ii

06/04/2017 20:52:16

Kantor Akuntan Publik Aidil Yuzar, SE.Ak., CPA Izin Usaha No. 288/KM.1/2012

The original report included herein is in Indonesian language

Laporan Auditor Independen

Independent Auditors’ Report

Laporan No. 17.03/GA.T.16

Report No. 17.03/GA.T.16

Pemegang Saham, Dewan Komisaris dan Direksi PT Bank Syariah Bukopin

The Shareholders and the Boards of Commissioners and Directors PT Bank Syariah bukopin

Kami telah mengaudit laporan keuangan PT Bank Syariah Bukopin (“Bank”) yang terdiri dari laporan posisi keuangan tanggal 31 Desember 2016, serta laporan laba rugi dan penghasilan komprehensif lain, laporan perubahan ekuitas, laporan arus kas, laporan rekonsiliasi pendapatan dan bagi hasil dan laporan sumber dan penggunaan dana kebajikan untuk tahun yang berakhir pada tanggal tersebut dan suatu ikhtisar kebijakan akuntansi signifikan dan informasi penjelasan lainnya.

Tanggungjawab manajemen atas laporan keuangan

We have audited the accompanying financial statements of PT Bank Syariah Bukopin (the “Bank”), which comprise the statement of financial position as of December 31, 2016, and the statements of profit or loss and other comprehensive income, changes in equity, cash flows, reconciliation of income and revenue sharing, and sources and uses of qardhul hasan funds for the year then ended, and a summary of significant accounting policies and other explanatory information. Management’s responsibility for the statements

financial

Manajemen bertanggungjawab atas penyusunan dan penyajian wajar laporan keuangan ini sesuai dengan Standar Akuntansi Keuangan di Indonesia, dan atas pengendalian internal yang dianggap perlu oleh manajemen untuk memungkinkan penyusunan laporan keuangan yang bebas dari kesalahan penyajian material, baik yang disebabkan oleh kecurangan maupun kesalalahan.

Management is responsible for the preparation and fair presentation of such financial statements in accordance with Indonesian Financial Accounting Standards, and for such internal control as management determines is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.

Tanggung jawab auditor

Auditors’ responsibility

Tanggung jawab kami adalah untuk menyatakan suatu opini atas laporan keuangan ini berdasarkan audit kami. Kami melaksanakan audit kami berdasarkan Standar Audit yang ditetapkan oleh Institut Akuntan Publik Indonesia. Standar tersebut mengharuskan kami untuk mematuhi ketentuan etika serta merencanakan dan melaksanakan audit untuk memperoleh keyakinan memadai tentang apakah laporan keuangan bebas dari kesalahan penyajian material.

Our responsibility is to express an opinion on such financial statements based on our audit. We conducted our audit in accordance with Standards on Auditing established by the Indonesian Institute of Certified Public Accountants. Those standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether such financial statements are free from material misstatement.

Jln. Ampera Raya – Kancil No. 40, Ragunan, Pasar Minggu, Jakarta Selatan 12550 Telepon: (021) 789 1858; Facsimile: (021) 7884 4968 Email : [email protected]

LKAP ARBSB 2016.indd iv

06/04/2017 20:52:17

Kantor Akuntan Publik Aidil Yuzar, SE.Ak., CPA Izin Usaha No. 288/KM.1/2012

The original report included herein is in Indonesian language

Tanggung jawab auditor (lanjutan)

Auditors’ responsibility (continued)

Suatu audit melibatkan pelaksanaan prosedur untuk memperoleh bukti audit tentang angka-angka dan pengungkapan dalam laporan keuangan. Prosedur yang dipilih bergantung pada pertimbangan auditor, termasuk penilaian atas risiko kesalahan penyajian material dalam laporan keuangan, baik yang disebabkan oleh kecurangan maupun kesalahan. Dalam melakukan penilaian risiko tersebut, auditor mempertimbangkan pengendalian internal yang relevan dengan penyusunan dan penyajian wajar laporan keuangan entitas untuk merancang prosedur audit yang tepat sesuai dengan kondisinya, tetapi bukan untuk menyatakan opini atas keefektivitasan pengendalian internal entitas. Suatu audit juga mencakup pengevaluasian atas ketepatan kebijakan akuntansi yang digunakan dan kewajaran estimasi akuntansi yang dibuat oleh manajemen, serta pengevaluasian atas penyajian laporan keuangan secara keseluruhan.

An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditors’ judgment, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditors consider internal control relevant to the entity's preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the entity's internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of accounting estimates made by management, as well as evaluating the overall presentation of the financial statements.

Kami yakin bahwa bukti audit yang telah kami peroleh adalah cukup dan tepat untuk menyediakan suatu basis bagi opini audit kami.

We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.

Opini

Opinion

Menurut opini kami, laporan keuangan terlampir menyajikan secara wajar, dalam semua hal yang material, posisi keuangan PT Bank Syariah Bukopin tanggal 31 Desember 2016, serta kinerja keuangan dan arus kas, laporan rekonsiliasi pendapatan dan bagi hasil, laporan sumber dan penggunaan dana kebajikan untuk tahun yang berakhir pada tanggal tersebut, sesuai dengan Standar Akuntansi Keuangan di Indonesia.

In our opinion, the accompanying financial statements present fairly, in all material respects, the financial position of PT Bank Syariah Bukopin as of December 31, 2016, and its financial performance, cash flows, reconciliation of income and revenue sharing, sources and distribution of zakat funds, and sources and uses of qardhul hasan funds for the year then ended, in accordance with Indonesian Financial Accounting Standards.

KAP Aidil Yuzar, SE.Ak, CPA

Aidil Yuzar, SE.Ak, CA, CPA, SAS Izin Akuntan Publik No. AP.0608/Public Accountant License No. AP.0608

24 Februari 2017/February 24, 2017

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The original financial statements included herein are in the Indonesian language.

PT BANK SYARIAH BUKOPIN LAPORAN POSISI KEUANGAN TANGGAL 31 DESEMBER 2016

PT BANK SYARIAH BUKOPIN STATEMENT OF FINANCIAL POSITION AS OF DECEMBER 31, 2016

(Dalam dalam Rupiah, kecuali dinyatakan lain)

(Expressed in Rupiah, unless otherwise stated)

Catatan/ Notes

2016

2015

ASET KAS

ASSETS 2r

47.443.855.450

47.117.502.750

CASH

893.611.748.030

CURRENT ACCOUNT AND PLACEMENTS WITH BANK INDONESIA

9.268.389.676 253.911.497.137

34.432.102.757 239.440.536.946

PLACEMENTS WITH OTHER BANKS Third parties Related parties

Jumlah penempatan pada bank lain Cadangan kerugian penurunan nilai

263.179.886.813 (2.672.528.765)

273.872.639.703 (2.881.912.794)

Total placements with other banks Allowance for impairment losses

Bersih

260.507.358.048

270.990.726.909

Net

113.911.694.709

123.709.668.669

INVESTMENT IN MARKETABLE SECURITIES - NET

2.249.596.775.361 19.311.405.899

2.204.281.079.992 20.363.648.099

RECEIVABLES Murabahah Third parties Related parties

Jumlah Cadangan kerugian penurunan nilai

2.268.908.181.260 (51.802.199.510)

2.224.644.728.091 (36.157.051.095)

Total Allowance for impairment losses

Bersih

2.217.105.981.750

2.188.487.676.996

Net

7.104.947.722 -

9.886.628.794 198.097.154


7.104.947.722 (93.559.161)

10.084.725.948 (100.846.967)


Bersih

7.011.388.561

9.983.878.981

Net

470.456.608 175.096.661

539.772.511 277.642.665

FUNDS OF QARDH Third parties Related parties


645.553.269 (10.772.110)

817.415.176 (8.174.152)


Bersih

634.781.159

809.241.024

Net

348.369.473.857 -

400.065.505.215 8.643.177.600

FINANCING Mudharabah Third parties Related parties


348.369.473.857 (7.919.967.776)

408.708.682.815 (6.793.344.283)


Bersih

340.449.506.081

401.915.338.532

Net

GIRO DAN PENEMPATAN PADA BANK INDONESIA 2e,3 PENEMPATAN PADA BANK LAIN Pihak ketiga Pihak berelasi

INVESTASI PADA SURAT BERHARGA – BERSIH PIUTANG Murabahah Pihak ketiga Pihak berelasi

2b,2c,2d 2f,4,32

2c,2h,5 2b,2c,2d,2h 2i,6,32

Istishna Pihak ketiga Pihak berelasi

PINJAMAN QARDH Pihak ketiga Pihak berelasi

PEMBIAYAAN Mudharabah Pihak ketiga Pihak berelasi

1.522.595.026.916

2b,2c,2d 2j,7,32

2b,2c,2d 2k,8,32

Catatan atas laporan keuangan terlampir merupakan bagian yang tidak terpisahkan dari laporan keuangan secara keseluruhan.

Istishna Third parties Related parties

The accompanying notes to the financial statements form an integral part of these financial statements taken as a whole.


LKAP ARBSB 2016.indd Sec1:1

| 1 06/04/2017 20:54:40


PT BANK SYARIAH BUKOPIN LAPORAN POSISI KEUANGAN (lanjutan) TANGGAL 31 DESEMBER 2016

PT BANK SYARIAH BUKOPIN STATEMENT OF FINANCIAL POSITION (continued) AS OF DECEMBER 31, 2016



Catatan/ Notes PEMBIAYAAN (lanjutan) Musyarakah Pihak ketiga Pihak berelasi

2016

2015

2.147.744.177.036 26.650.000.000

1.659.115.996.731 3.688.966.728

FINANCING (continued) Musyarakah Third parties Related parties


2.174.394.177.036 (37.392.728.556)

1.662.804.963.459 (26.415.686.533)


Bersih

2.137.001.448.480

1.636.389.276.926

Net

76.275.000 (12.634.691)

76.275.000 (5.289.444)

ASSETS ACQUIRED FOR IJARAH Acquisition value Accumulated depreciation

63.640.309

70.985.556

Net

195.969.864.154 (57.191.015.557)

160.647.843.639 (49.893.419.315)

PREMISES AND EQUIPMENT Acquisition value Accumulated depreciation

138.778.848.597

110.754.424.324

Book value

ASET YANG DIPEROLEH UNTUK IJARAH Nilai perolehan Akumulasi penyusutan

2k,9,32

2I,10

Nilai bersih ASET TETAP Nilai perolehan Akumulasi penyusutan

2m,11

Nilai buku ASET PAJAK TANGGUHAN

2y,17d

17.567.445.900

19.827.399.655

DEFERRED TAX ASSETS

ASET LAIN – LAIN

2n,12

216.527.600.053

123.485.658.973

OTHER ASSETS

7.019.598.576.013

5.827.153.527.325

TOTAL ASSETS

JUMLAH ASET


2 |




06/04/2017 20:54:41






Catatan/ Notes

2016

2015

LIABILITAS, DANA SYIRKAH TEMPORER DAN EKUITAS

LIABILITIES, TEMPORARY SYIRKAH FUNDS AND EQUITY

LIABILITAS LIABILITAS SEGERA

LIABILITIES 2o,13

11.205.254.986

13.556.925.019

OBLIGATIONS DUE IMMEDIATELY

14

7.958.094.687

7.912.763.509

UNDISTRIBUTED REVENUE SHARING

390.801.623.835 668.040.591

349.509.605.124 871.602.542

WADIAH DEPOSITS Wadiah demand deposits Third parties Related parties

Jumlah giro wadiah

391.469.664.426

350.381.207.666

Total wadiah demand deposits

Tabungan wadiah Pihak ketiga Pihak berelasi

335.496.360.370 4.482.223.979

327.722.831.402 3.862.146.542

Wadiah saving deposits Third parties Related parties

Jumlah tabungan wadiah

339.978.584.349

331.584.977.944

Total Wadiah saving deposits

Jumlah Simpanan Wadiah

731.448.248.775

681.966.185.610

Total Wadiah Deposits

377.097.611.029 3.844.327.654

1.951.078.531 3.849.480.958

DEPOSITS FROM OTHER BANKS Third parties Related parties

BAGI HASIL YANG BELUM DIBAGIKAN SIMPANAN WADIAH Giro wadiah Pihak ketiga Pihak berelasi

SIMPANAN DARI BANK LAIN Pihak ketiga Pihak berelasi

2p,15,32

2p,16,32

380.941.938.683

5.800.559.489

Total Deposits From Other Banks

UTANG PAJAK

Jumlah Simpanan dari Bank Lain 17a

10.178.164.254

12.673.908.555

TAXES PAYABLE

PINJAMAN YANG DITERIMA

18

49.780.291.300

49.780.291.300

FUND BORROWINGS

2v,20

72.802.277.458

54.547.945.673

OTHER LIABILITIES

21

50.000.000.000

50.000.000.000

SUBORDINATED FINANCING

1.314.314.270.143

876.238.579.155

TOTAL LIABILITIES

LIABILITAS LAIN – LAIN PINJAMAN SUBORDINASI JUMLAH LIABILITAS





| 3 06/04/2017 20:54:41






Catatan/ Notes DANA SYIRKAH TEMPORER

2016

2015

2q,22,32

TEMPORARY SYIRKAH FUNDS

Bukan Bank Tabungan mudharabah Pihak ketiga Pihak berelasi

371.415.609.335 1.110.596.222

265.327.444.274 27.027.669

Non Banks Mudharabah saving deposits Third paries Related parties

Jumlah tabungan mudharabah bukan bank

372.526.205.557

265.354.471.943

Total mudharabah saving deposit non banks

4.311.365.044.240 27.268.500.000

3.804.129.900.555 4.853.500.000

4.338.633.544.240

3.808.983.400.555

Deposito mudharabah Pihak ketiga Pihak berelasi Jumlah deposito mudharabah bukan bank Bank Tabungan mudharabah Pihak ketiga Deposito mudharabah Pihak ketiga JUMLAH DANA SYIRKAH TEMPORER EKUITAS

Mudharabah time deposits Third paries Related parties Total mudharabah saving deposit non banks

16.625.068.803

16.073.357.478

178.931.326.000

227.420.354.000

Bank Mudharabah saving deposits Third parties Mudharabah time deposits Third parties

4.906.716.144.600

4.317.831.583.976

TOTAL TEMPORARY SYIRKAH FUND

23

EQUITY

Modal saham – nilai nominal Rp.10.000 per saham untuk seri A, Rp. 100 per saham untuk seri B dan Rp. 50 per saham untuk seri C

Share capital – par value Rp 10,000 per share for A series Rp 100 per share for B series and Rp 50 per share for C series

Modal dasar – untuk seri A: 8.137.000 saham untuk seri B: 9.186.300.000 saham dan untuk seri C: 14.992.600.000

Authorized Capital – for A series: 8,137,000 shares, or B series: 9,186,300,000 shares, and for C series:14,992,600,000 shares

Modal ditempatkan dan disetor penuh– untuk seri A: 8.137.000 saham, seri B: 1.690.000.000 saham dan seri C:12.000.000.000 saham pada tanggal 31 Desember 2016 dan 10.000.000.000 saham pada tanggal 31 Desember 2015

750.370.000.000

Issued and fully paid capital – for A series:8,137,000 shares B series:1,690,000,000 shares C series:12,000,000,000 shares on December 31, 2016 and 10,000,000,000 shares on December 31, 2015

4.300.674.750

GAIN ON REMEASUREMENT OF DEFINED BENEFITS PLANS NET OF DEFERRED TAX

KEUNTUNGAN PENGUKURAN KEMBALI PROGRAM IMBALAN PASTI SETELAH PAJAK TANGGUHAN

850.370.000.000

4.164.109.500

SURPLUS REVALUASI ATAS ASET TETAP SETELAH PAJAK

32.911.425.000

-

SURPLUS REVALUATION ON PREMISES AND EQUIPMENT- NET OF TAX

SALDO DEFISIT

(88.877.373.230)

(121.587.310.556)

DEFICITS

JUMLAH EKUITAS

798.568.161.270

633.083.364.194

TOTAL EQUITY

7.019.598.576.013

5.827.153.527.325

TOTAL LIABILITIES, TEMPORARY SYIRKAH FUNDS AND EQUITY

JUMLAH LIABILITAS, DANA SYIRKAH TEMPORER DAN EKUITAS


4 |




06/04/2017 20:54:41


PT BANK SYARIAH BUKOPIN LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN UNTUK TAHUN YANG BERAKHIR PADA TANGGAL 31 DESEMBER 2016

PT BANK SYARIAH BUKOPIN STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR THE YEAR ENDED DECEMBER 31, 2016



Catatan/ Notes PENDAPATAN PENGELOLAAN DANA OLEH BANK SEBAGAI MUDHARIB Pendapatan dari jual beli: Pendapatan keuntungan murabahah Pendapatan bersih istishna

2016

2015

241.307.338.757 1.111.458.133

262.892.894.801 1.394.404.747

REVENUE FROM FUND MANAGEMENT AS MUDHARIB Income from sales and purchase: Income profit of murabahah Net income of istishna

Jumlah Pendapatan dari Jual Beli

242.418.796.890

264.287.299.548

Total Income from Sales and Purchase

Pendapatan dari bagi hasil: Pendapatan bagi hasil mudharabah Pendapatan bagi hasil musyarakah

49.259.767.483 243.399.145.969

43.815.345.983 162.988.248.300

Income from profit sharing: Profit sharing income of mudharabah Profit sharing income of musyarakah

Jumlah Pendapatan dari Bagi Hasil

292.658.913.452

206.803.594.283

Total Income from Profit Sharing

40.091.689.078

34.174.302.703

Other main operating income

575.169.399.420

505.265.196.534

Total Income From Fund Managed by Bank as Mudharib

373.816.635.242

343.275.433.616

THIRD PARTIES' SHARE ON RETURN OF TEMPORARY SYIRKAH FUNDS

201.352.764.178

161.989.762.918

BANK'S SHARE IN PROFIT SHARING

26

96.702.361.662

60.816.485.292

OTHER OPERATING INCOME

27 28

91.293.862.388 80.941.159.059

73.144.943.291 67.845.440.662

29

57.675.662.181 3.611.668.764

22.533.982.408 3.502.558.500

2.207.682.914

102.768.402

9.365.292.145

10.970.022.643

245.095.327.451

178.099.715.906

Total Operating Expenses

LABA USAHA

52.959.798.389

44.706.532.304

PROFIT FROM OPERATIONS

BEBAN NON USAHA - NETO

(5.126.022.308)

(4.040.854.880)

NON OPERATING EXPENSES - NET

LABA SEBELUM BEBAN PAJAK PENGHASILAN

47.833.776.081

40.665.677.424

INCOME BEFORE INCOME TAX EXPENSES

Pendapatan usaha utama lainnya

2r,24

2s,24

Jumlah pendapatan pengelolaan dana oleh Bank sebagai mudharib HAK PIHAK KETIGA ATAS BAGI HASIL DANA SYIRKAH TEMPORER

2t,25

HAK BAGI HASIL MILIK BANK

PENDAPATAN USAHA LAINNYA BEBAN USAHA Gaji dan tunjangan Beban umum dan administrasi Beban cadangan kerugian penurunan nilai aset produktif Beban pinjaman subordinasi Beban cadangan kerugian penurunan nilai aset non-produktif Beban usaha lain: Beban bonus simpanan wadiah

30

Jumlah Beban Usaha


OPERATING EXPENSES Salary and benefits General and administrative expenses Provision for impairment losses on earnings assets Subordinated financing expenses Provision for impairment losses of non-earnings assets Other operating expense: Bonus expenses of Wadiah deposits




| 5 06/04/2017 20:54:42


PT BANK SYARIAH BUKOPIN LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN (lanjutan) UNTUK TAHUN YANG BERAKHIR PADA TANGGAL 31 DESEMBER 2016

PT BANK SYARIAH BUKOPIN STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME (continued) FOR THE YEAR ENDED DECEMBER 31, 2016



Catatan/ Notes BEBAN PAJAK PENGHASILAN Pajak kini Pajak tangguhan

2016

2015

2l,17

Beban pajak penghasilan - neto LABA TAHUN BERJALAN

12.818.363.250 2.305.475.505

10.883.366.500 2.003.835.351

15.123.838.755

12.887.201.851

32.709.937.326

27.778.475.573

PENGHASILAN KOMPREHENSIF LAINNYA Akun-akun yang tidak akan direklasifikasi ke laba rugi: Pengukuran kembali atas program imbalan pasti

2.229.351.000

Surplus revaluasi atas aset tetap

36.568.250.000

-

Pajak penghasilan

(3.611.303.250)

(557.337.750)

Penghasilan komprehensif lain tahun berjalan – setelah pajak

32.774.859.750

1.672.013.250

65.484.797.076

29.450.488.823


6 |

Income Tax Expenses - Net INCOME FOR THE YEAR

OTHER COMPREHENSIVE INCOME

(182.087.000)

JUMLAH PENGHASILAN KOMPREHENSIF TAHUN BERJALAN

INCOME TAX EXPENSE Current Deferred

Items that will not be reclassified to profit or loss Remeasurement on defined benefits plan Surplus revaluation on premises and equipment Income tax Other comprehensive income for the year – net of tax TOTAL COMPREHENSIVE INCOME FOR THE YEAR




06/04/2017 20:54:42


PT BANK SYARIAH BUKOPIN LAPORAN PERUBAHAN EKUITAS UNTUK TAHUN YANG BERAKHIR PADA TANGGAL 31 DESEMBER 2016

PT BANK SYARIAH BUKOPIN STATEMENT OF CHANGES IN EQUITY FOR THE YEAR ENDED DECEMBER 31, 2016



Catatan/ Notes

Modal Saham Ditempatkan dan Disetor Penuh/ Issued and Fully Paid Capial

Keuntungan (Kerugian) Pengukuran Kembali Program Imbalan Pasti Setelah Pajak Tangguhan/ Gain (Loss on) Remeasurement of Defined Benefit Plan -Net of Tax

650.370.000.000

2.628.661.500

-

503.632.875.371

Balance as of January 1, 2015

23

100.000.000.000

-

-

-

100.000.000.000

Additional paid in capital

-

1.672.013.250

-

-

1.672.013.250

Gain (loss on) remeasurement of defined benefit plan- net of tax

Saldo 1 Januari 2015 Penambahan modal Keuntungan (kerugian) pengukuran kembali program imbalan pasti setelah pajak tangguhan Laba bersih tahun 2015 Saldo 31 Desember 2015 Penambahan modal

23

(149.365.786.129 )

Jumlah Ekuitas/ Total Equity

-

-

-

27.778.475.573

27.778.475.573

Net income 2015

4.300.674.750

-

(121.587.310.556 )

633.083.364.194

Balance as of December 31, 2015

100.000.000.000

-

-

-

100.000.000.000

Additional paid in capital

-

-

32.911.425.000

-

-

Surplus revaluasi atas aset tetap

-

Saldo 31 Desember 2016

Saldo Laba (Defisit)/ Retained Earnings (Deficits)

750.370.000.000

Keuntungan (kerugian) pengukuran kembali program imbalan pasti setelah pajak tangguhan

Laba bersih tahun 2016

Surplus Revaluasi Atas Aset Tetap/ Surplus Revaluation on Premises and Equipment

(136.565.250 )

-

-

-

-

850.370.000.000

4.164.109.500

32.911.425.000


(136.565.250 )

32.911.425.000

Gain (loss on) remeasurement defined benefit plans net of tax Surplus revaluation on premises and equipment

32.709.937.326

32.709.937.326

Net income 2016

(88.877.373.230 )

798.568.161.270

Balance as of December 31, 2016




| 7 06/04/2017 20:54:42


PT BANK SYARIAH BUKOPIN LAPORAN ARUS KAS UNTUK TAHUN YANG BERAKHIR PADA TANGGAL 31 DESEMBER 2016

PT BANK SYARIAH BUKOPIN STATEMENT OF CASH FLOWS FOR THE YEAR ENDED DECEMBER 31, 2016



Catatan/ Notes

2016

2015

ARUS KAS DARI AKTIVITAS OPERASI Penerimaan margin dan bagi hasil Pembayaran bagi hasil dana syirkah temporer Penerimaan pendapatan usaha lainnya Pembayaran kas pada karyawan Pembayaran beban operasional lainnya Pembayaran pajak penghasilan Pembayaran beban non operasional

(373.771.304.064) 72.148.305.127 (91.293.862.388) (88.257.295.432) (16.692.242.565) (5.126.022.311)

Arus kas sebelum perubahan dalam aset dan liabilitas operasi

63.395.901.086

566.388.322.719

CASH FLOWS FROM OPERATING ACTIVITIES 513.510.452.783 Receipt of margin and profit sharing Payments of profit sharing for (337.331.156.688) temporary syirkah funds 38.808.501.020 Receipt of other operating income (70.876.069.291) Payments for cash to employees (62.921.431.899) Payments of other operating expenses (8.979.198.396) Payment of income taxes (4.040.854.880) Payments for non-operating expenses

68.170.242.649

Perubahan dalam aset dan liabilitas operasi: Penurunan (kenaikan) aset operasi: Piutang murabahah Pinjaman qardh Pembiayaan mudharabah Pembiayaan musyarakah Aset yang diperoleh untuk ijarah Aset lain-lain Kenaikan (penurunan) liabilitas operasi:

Changes in operation assets and liabilities: Decrease (increase) in operation assets: Murabahah receivables Funds of Qardh Mudharabah financing Musyarakah financing Asset acquired for ijarah Other assets Increase (decrease) in operation liabilites: Wadiah deposits Third parties Deposits from other banks Obligations due immediately Taxes payables Other liabilities

(41.283.674.943) 171.861.907 60.339.208.958 (511.589.213.578) 7.345.247 (84.260.864.373)

21.601.639.231 (77.826.316) (141.063.654.760) (474.800.899.413) (76.275.000) 48.784.394.290

49.482.063.164 375.141.379.194 (2.351.670.033) (2.278.689.986) 14.803.831.498

210.045.697.716 (199.893.928.627) 4.026.449.664 4.012.068.124 19.005.280.449

(78.422.521.859)

(440.266.811.993) Net Cash Used in Operating Activities

Perolehan aset tetap Investasi surat berharga

(1.433.750.000) 9.797.973.960

(38.664.319.829) (59.632.439)

CASH FLOWS FROM INVESTING ACTIVITIES Acquisition of premises and Equipment Investment in marketable securities

Kas Bersih Digunakan untuk Aktivitas Investasi

8.364.223.960

(38.723.952.268)

Simpanan wadiah Pihak ketiga Simpanan dari bank lain Liabilitas segera Utang pajak Liabilitas lain-lain Kas Bersih Digunakan untuk Aktivitas Operasi

ARUS KAS DARI AKTIVITAS INVESTASI

ARUS KAS DARI AKTIVITAS PENDANAAN Kenaikan dana syirkah temporer Penambahan setoran modal Kas Bersih Diperoleh dari Aktivitas Pendanaan


8 |

Cash flows before changes in operating assets and liabilities:

Net cash Used in Investing Activities

588.884.560.624 100.000.000.000

487.492.435.053 100.000.000.000

CASH FLOWS FROM FUNDING ACTIVITIES Increase in temporary syirkah fund Additional paid-in capital

688.884.560.624

587.492.435.053

Net Cash from Financing Activites




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PT BANK SYARIAH BUKOPIN LAPORAN ARUS KAS (lanjutan) UNTUK TAHUN YANG BERAKHIR PADA TANGGAL 31 DESEMBER 2016

PT BANK SYARIAH BUKOPIN STATEMENT OF CASH FLOWS (continued) FOR THE YEAR ENDED DECEMBER 31, 2016



Catatan/ Notes

Kenaikan bersih kas dan setara kas Saldo kas dan setara kas pada awal tahun

2016

2015

618.826.262.725

108.501.670.792

1.211.719.977.689

1.103.218.306.897

Net Increase in cash and cash equivalents Cash and cash equivalent at beginning of the year

1.830.546.240.414

1.211.719.977.689

Cash and Cash Equivalents at End of Year

Saldo Kas dan Setara Kas pada Akhir Tahun

Komponen kas dan setara kas pada akhir tahun: Kas Giro pada Bank Indonesia Giro pada bank lain Jumlah


47.443.855.450 1.522.595.026.916 260.507.358.048 1.830.546.240.414

Components of cash and cash equivalents at end of the year 47.117.502.750 Cash 893.611.748.030 Current accounts with Bank Indonesia 270.990.726.909 Current accounts with other banks 1.211.719.977.689

Total




| 9 06/04/2017 20:54:42


PT BANK SYARIAH BUKOPIN LAPORAN REKONSILIASI PENDAPATAN DANA BAGI HASIL UNTUK TAHUN YANG BERAKHIR PADA TANGGAL 31 DESEMBER 2016

PT BANK SYARIAH BUKOPIN STATEMENT OF RECONCILIATION OF INCOME AND REVENUE SHARING FOR THE YEAR ENDED DECEMBER 31, 2016



Catatan/ Notes Pendapatan Usaha Utama (Akrual) Pengurangan Pendapatan tahun berjalan, yang kas atau setara kasnya belum diterima: Pendapatan margin jual beli Hak bagi hasil pembiayaan Pendapatan usaha utama lainnya Jumlah

2016

2015

575.169.399.420

505.265.196.534

31.707.917.127 21.001.937.865 1.154.777.749

25.118.226.515 18.536.743.226 1.801.652.749

Main Operating Income (Accrual) Deductions Current period income, in which the cash and cash equivalents were not received: Income margin of sales and purchase Profit sharing from financing Other main operating income

53.864.632.741

45.456.622.490

Total

Penambahan Pendapatan periode sebelumnya yang kasnya diterima periode berjalan: Pendapatan margin murabahah Hak bagi hasil pembiayaan Pendapatan usaha utama lainnya

25.118.226.515 18.536.743.226 1.801.652.749

36.118.283.472 16.285.788.760 752.529.706

Additions Prior period income in which the cash were received during current period: Income margin of murabahah Profit sharing from financing Other main operating income

Jumlah

45.456.622.490

53.156.601.938

Total

566.761.389.169

512.965.175.982

Available income for profit sharing

296.335.229.750

287.249.551.447 Profit sharing attributable to sharia Bank Profit sharing attributable 225.715.624.535 to depositors The details are as follow: Distributed profit sharing attributable 217.802.861.026 to depositors Undistributed profit sharing 7.912.763.509 attributable to depositors

Pendapatan yang tersedia untuk bagi hasilkan Bagi hasil yang menjadi hak Bank Syariah Bagi hasil yang menjadi Hak Pemilik dana Dirinci atas: Hak pemilik dana atas bagi hasil yang sudah didistribusikan Hak pemilik dana atas bagi hasil yang belum didistribusikan Jumlah


10 |

270.426.159.419

262.468.064.733 7.958.094.687 270.426.159.420

225.715.624.535

Total




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PT BANK SYARIAH BUKOPIN LAPORAN SUMBER DAN PENGGUNAAN DANA KEBAJIKAN UNTUK TAHUN YANG BERAKHIR PADA TANGGAL 31 DESEMBER 2016

PT BANK SYARIAH BUKOPIN STATEMENT OF SOURCES AND USES OF QARDHUL HASAN FUNDS FOR THE YEAR ENDED DECEMBER 31, 2016



Catatan/ Notes

2016

2015

Sumber Dana Kebajikan : Denda Sumbangan/Hibah Penerimaan non-halal

264.368.005 680.000 424.521.511

373.138.210 10.225.229 223.163.444

Sources of Qardhul Hasan Funds: Penalties Donation/Grants Non-halal income

Jumlah Sumber Dana Kebajikan

689.569.516

606.526.883

Total Sources of Qardul Hasan Funds

Penggunaan Dana Kebajikan: Pinjaman (dana kebajikan produktif) Sumbangan Lainnya

61.453.357 364.199.033 7.023.650

89.425.069 353.729.250 10.310.600

Uses of of Qardhul Hasan Funds Loan (qardhul hasan fund earnings) Donations Others

Jumlah Penggunaan Dana Kebajikan

447.329.740

453.464.919

Total uses of Qardhul Hasan Funds

Surplus

242.239.776

153.061.964

Dana Kebajikan pada awal tahun

502.844.947

349.782.983

Surplus Qardul Hasan funds at beginning of the year

745.084.723

502.844.947

Dana Kebajikan pada akhir tahun

20


Qardhul Hasan Funds at end of the year




| 11 06/04/2017 20:54:43


PT BANK SYARIAH BUKOPIN CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2016 dan Untuk Tahun yang Berakhir pada Tanggal Tersebut

PT BANK SYARIAH BUKOPIN NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2016 and For The Year Then Ended



1.

UMUM a.

12 |

1.

Pendirian Bank dan Informasi Umum

GENERAL a.

Bank Establishment Information

and

General

PT. Bank Syariah Bukopin ("Bank") dahulu bernama PT. Bank Persyarikatan Indonesia didirikan berdasarkan Akta No. 102 tertanggal 29 Juli 1990 dengan nama PT. Bank Swansarindo Internasional yang dibuat dihadapan Dr. Widjojo Wilami, SH., Notaris di Samarinda. Anggaran Dasar Bank ini telah mendapat persetujuan dari Menteri Kehakiman Republik Indonesia sesuai dengan Surat Keputusannya No. C2-5618.HT.01.01TH.90 tertanggal 11 September 1990 dan selanjutnya telah didaftarkan di Kantor Pengadilan Negeri Samarinda dengan No. W13.26.HT.01.01-67 tertanggal 9 Oktober 1990.

PT. Bank Syariah Bukopin (“the Bank”) formerly known as PT. Bank Persyarikatan Indonesia was established based on notarial deed No. 102 dated July 29, 1990 under the name of PT. Bank Swansarindo Internasional made before Dr. Widjojo Wilami, SH., a notary in Samarinda. The Bank's Articles of Association was approved by the Ministry ofJustice of the Republic of Indonesia as written in Decree No.C2-5618.HT.01.01TH.90 dated September 11, 1990 and has been registered in District Court of Samarinda, No. W13.26.HT.01.01-67 dated October 9, 1990.

PT Bank Swansarindo Internasional merupakan hasil peleburan 2 (dua) Bank Pasar yaitu PT. Bank Pasar Gunung Sindoro di Samarinda dan PT. Bank Pasar Gunung Kendeng di Surakarta.

PT. Bank Swansarindo Internasional represent result of merger from 2 (two) rural bank, namely PT. Bank Pasar Gunung Sindoro in Samarinda and PT. Bank Pasar Gunung Kendeng in Surakarta.

Persetujuan izin usaha dan peningkatan status menjadi Bank Umum telah diperoleh berdasarkan Surat Keputusan Menteri Keuangan Republik Indonesia No. 1659/KMK.013/1990 tertanggal 31 Desember 1990.

Business license and status improvement to be Commercial Bank was granted based on Decree of Ministry of Finance of the Republic of Indonesia No. 1659/KMK.013/1990 dated December 31, 1990.

Akta pendirian Bank beberapa kali telah mengalami perubahan-perubahan. Ikhtisar perubahan-perubahan yang penting adalah sebagai berikut:

The Bank’s articles of association had been changed several times. Summary of the important changes are as follows:

1.

Akta No. 42 tertanggal 6 April 1991 yang dibuat dihadapan Dr. Widjojo Wilami, SH., Notaris di Samarinda, Bank ini telah dipindahkan kedudukannya dari Samarinda ke Jakarta. Akta ini telah memperoleh pengesahan dari Menteri Kehakiman Republik Indonesia sesuai dengan Surat Keputusannya No. C21568.HT.01.04.TH.91 tanggal 7 Mei 1991 dan selanjutnya telah didaftarkan di Kantor Pengadilan Negeri Samarinda dengan No. W13.Db.HT.01.01-36 tertanggal 12 Juni 1991.

1. Deed No. 42 dated April 6, 1991 made before Dr. Widjojo Wilami, SH, a notary based in Samarinda, The Bank was relocated from Samarinda to Jakarta. This deed was approved by the Ministry of Justice of the Republic of Indonesia in its Decree No. C2-1568. HT.01.04.TH.91 dated May 7, 1991, and furthermore was registered in the District Court of Samarinda No. W13.Db.HT.01.01-36 dated June 12, 1991.

2.

Akta No. 28 tanggal 31 Maret 2008 oleh Adrian Djuaini, S.H., notaris di Jakarta mengenai perubahaan nama menjadi PT. Bank Syariah Bukopin ("Bank"), maksud dan tujuan kegiatan usaha serta perubahan jumlah modal ditempatkan dan disetor. Perubahan Anggaran Dasar Bank tersebut telah mendapat persetujuan dari

2. Deed No. 28 dated March 31, 2008 by Adrian Djuaini, SH., a notary based in Jakarta regarding the Company’s change of name into PT. Bank Syariah Bukopin (“Bank”), the business purpose and goals and change of issued and paid up capital. The change of Bank’s Articles of Association was approved by the Ministry



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1.

UMUM (lanjutan) a.

Pendirian (lanjutan)

Bank

1. dan

Informasi

Umum

GENERAL (continued) a.

Bank Establishment Information (continued)

and

General

Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dengan Surat Keputusannya No. AHU-22464.AH.01.02. Tahun 2008 tanggal 02 Mei 2008.

of Law and Human Right of the Republic of Indonesia with its Decree No. AHU-22464. AH.01.02. Year 2008 dated May 2, 2008.

Selanjutnya Bank mendapatkan ijin usaha dari Bank Indonesia berdasarkan Surat Keputusan Gubernur Bank Indonesia No. 10/69/KEP.GBI/DpG/2008 tanggal 27 Oktober 2008 sebagai bank umum yang melaksanakan kegiatan usaha berdasarkan prinsip syariah dan mulai beroperasi sejak tanggal 9 Desember 2008.

The Bank then obtained business license from Bank Indonesia based on Governor of Bank Indonesia’s Decree No.10/69/KEP.GBI/DpG/ 2008 dated October 27, 2008 as a commercial bank which operates its business based on sharia principles and started to operate since December 9, 2008.

Bank telah menerima pengalihan Unit Usaha Syariah (“UUS”) dari PT. Bank Bukopin, Tbk. pada tanggal 10 Juli 2009, yang diaktakan dengan Akta Pemisahan Unit Usaha Syariah No. 18 tanggal 18 Juni 2009 dari H. Rakhmat Syamsul Rizal, S.H., M.H. notaris di Jakarta. Pengalihan tersebut telah mendapat persetujuan dari Bank Indonesia melalui surat No. 11/842/DPbS tanggal 30 Juni 2009.

The Bank receipt the transfer of Sharia Business Unit from PT Bank Bukopin, Tbk. on July 10, 2009, legalized by Deed of Sharia Business Unit spin off No. 18 dated June 18, 2009 from H. Rakhmat Syamsul Rizal, S.H., M.H. a notary in Jakarta. The transfer was approved by Bank Indonesia with its letter No. 11/842/ DPbS dated June 30, 2009.

Kantor pusat Bank berlokasi di Jakarta, saat ini Bank beroperasi melalui 12 (dua belas) kantor cabang, 7 (tujuh) kantor cabang pembantu, 4 (empat) kantor kas, 74 (tujuh puluh empat) kantor layanan syariah dan 5 (lima) kas keliling.

The Bank’s head office is located in Jakarta, currently the Bank operates through 12 (twelve) branch offices, 7 (seven) subsidiary branch offices, 4 (four) cash offices, 74 (seventy four) sharia office representatives and 5 (five) mobile cash car.

b.

Dewan Komisaris, Direksi, Pengawas Syariah, dan Karyawan

Dewan

Berdasarkan pernyataan keputusan Rapat Umum Pemegang Saham Luar Biasa tanggal 26 Agustus 2015 yang dinyatakan dengan akta No. 33 tanggal 26 Agustus 2015 yang dibuat dihadapan Adrian Djuaini, SH Notaris di Jakarta dan telah diterima dan dicatat oleh Kementerian Hukum dan Hak Asasi Manusia Republik Indonesia dengan No. AHU-3546642.AH.01.11 tahun 2015, tertanggal 27 Agustus 2015 dan Rapat Umum Pemegang Saham (RUPS) Tahunan tanggal 26 Maret 2015 dengan Akta Pernyataan Keputusan RUPS Tahunan No. 09 tanggal 20 April 2015 yang dibuat dihadapan notaris Adnan Djuaini SH, susunan Dewan Komisaris, Direksi dan Dewan Pengawas Syariah pada tanggal 31 Desember 2016 dan 2015 adalah sebagai berikut:

b.

Boards of Commissioners, Directors, Sharia Supervisory Board, and Employees Based on pronouncement decision of Extraordinary General Shareholders Meeting on August 26, 2015 as stated in notarial deed No. 33 dated August 26, 2015 made before Adrian Djuaini, SH Notary in Jakarta and has been accepted and recorded by Ministry of Law and Human Rights of Republic of Indonesia No. AHU-3546642.AH.01.11 of 2015, dated August 27, 2015 and Annual General Shareholders Meeting dated March 26, 2015 with Deed No. 09 dated April 20, 2015 made before notary Adrian Djuaini SH, the composition of Board of Commissioners, Board of Directors, and Sharia Supervisory Board on December 31, 2016 and 2015 are as follows:



| 13 06/04/2017 20:54:43






1.

UMUM (lanjutan) b.

1.

Dewan Komisaris, Direksi, Dewan Pengawas Syariah, dan Karyawan (lanjutan)

GENERAL (continued) b.

Boards of Commissioners, Directors, Sharia Supervisory Board, and Employees (continued)

2016 Dewan Komisaris Komisaris Utama Komisaris Independen Komisaris Independen Komisaris

Board of Commissioners : : : :

Ir. Tri Joko Prihanto Drs. Hajriyanto Yasin Thohari, MA. Prof. Dr. Bambang Setiaji M.Si. Eddy Cahyono Hadisulistyo, SE

: : : :

H. Riyanto, SE. Ak. Aris Wahyudi Ruddy Susatyo S, SE. Ir. Adil Syahputra

President Commissioner Independent Commissioner Independent Commissioner Commissioner

Dewan Direksi Direktur Utama Direktur Direktur Direktur Kepatuhan

Board of Directors President Director Director Director Director of Compliance

Dewan Pengawas Syariah Ketua Anggota

Sharia Supervisory Board : Prof. DR. HM. Siradjuddin Syamsuddin, MA : H. Ikhwan Abidin Basri, MA

Chairman Member

2015 Dewan Komisaris Komisaris Utama Komisaris Independen Komisaris Independen Komisaris

Board of Commissioners : : : :

Ir. Tri Joko Prihanto Drs. Hajriyanto Yasin Thohari, MA. Prof. Dr. Bambang Setiaji M.Si. Eddy Cahyono Hadisulistyo, SE

President Commissioner Independent Commissioner Independent Commissioner Commissioner

Dewan Direksi Direktur Utama Direktur Direktur Direktur Kepatuhan

Board of Directors : : : :

H. Riyanto, SE. Ak. Aris Wahyudi Ruddy Susatyo S, SE. Ir. Adil Syahputra

President Director Director Director Director of Compliance

Dewan Pengawas Syariah Ketua Anggota

Sharia Supervisory Board : Prof. DR. HM. Siradjuddin Syamsuddin, MA : H. Ikhwan Abidin Basri, MA

Jumlah karyawan Bank pada tanggal 31 Desember 2016 dan 2015 masing masing adalah 859 dan 684 orang (tidak diaudit).

14 |

Chairman Member

Total employees of the Bank on December 31, 2016 and 2015 respectively were 859 and 684 people (unaudited).



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2.

KEBIJAKAN AKUNTANSI a.

Dasar Penyajian Laporan Keuangan

2.

ACCOUNTING POLICIES a.

Basis of Financial Statements Presentation

Pernyataan Kepatuhan

Statement of Compliance

Laporan keuangan disajikan berdasarkan nilai historis, kecuali untuk beberapa akun yang dinilai menggunakan dasar pengukuran lain sebagaimana dijelaskan pada kebijakan akuntansi dari akun tersebut. Laporan keuangan disusun dengan dasar akrual, kecuali laporan arus kas dan laporan rekonsiliasi pendapatan dan bagi hasil.

The financial statements have been prepared on a historical cost basis, except for some accounts that were assessed using another measurement basis as explained in the accounting policies of the account. The financial statements have been prepared on accrual basis, except for statement of cash flows and statement of reconciliation of income and revenue sharing.

Laporan keuangan disusun berdasarkan Standar Akuntansi Keuangan di Indonesia termasuk Pernyataan Standar Akuntansi Keuangan (PSAK) No. 101, “Penyajian Laporan Keuangan Syariah”, PSAK No. 102, “Akuntansi Murabahah”, PSAK No. 104, “Akuntansi Istishna”, PSAK No. 105, “Akuntansi Mudharabah”, PSAK No. 106, PSAK No. 107 “Akuntansi Ijarah” “Akuntansi Musyarakah”, PSAK No. 110, “Akuntansi Sukuk”, dan PSAK Umum selama tidak bertentangan dengan prinsip syariah, serta Pedoman Akuntansi Perbankan Syariah Indonesia (PAPSI) (Revisi 2013).

The financial statements have been prepared in accordance with Statements of Financial Accounting Standard (“SFAS”) No. 101 (Revised 2014), “Presentation of Sharia Financial Statements”, SFAS No. 102 (Revised 2013) “Accounting for Murabahah”, SFAS No. 104, “Accounting for Istishna”, SFAS No. 105, “Accounting for Mudharabah”, SFAS No. 106, “Accounting for Musyarakah”, SFAS No. 107, “Accounting for Ijarah”, SFAS No. 110, “Accounting for Sukuk”, Indonesia and other SFAS as long as not contradict with sharia principle and the Accounting Guidelines for Indonesian Sharia Banking (PAPSI) (Revised 2013).

Berdasarkan PSAK No.101 (Revisi 2014), laporan keuangan bank syariah terdiri dari komponen-komponen sebagai berikut:

Based on SFAS No.101 (Revised 2014), sharia banking financial statments consists of the following components:

(i) (ii)

Laporan posisi keuangan; Laporan laba rugi dan penghasilan komprehensif lain; (iii) Laporan perubahan ekuitas; (iv) Laporan arus kas; (v) Laporan rekonsiliasi pendapatan dan bagi hasil; (vi) Laporan sumber dan penyaluran dana zakat; (vii) Laporan sumber dan penggunaan dana kebajikan; dan (viii) Catatan atas laporan keuangan.

(i) (ii)

Statement of financial position; Statement of profit or loss and other comprehensive income; (iii) Statement of changes in equity; (iv) Statement of cash flows; (v) Statement of reconciliation of income and revenue sharing; (vi) Statement of sources and distribution of zakat funds; (vii) Statements of sources and uses of qardhul hasan funds; and (viii) Notes to the financial statements.

Laporan posisi keuangan, laporan laba rugi dan penghasilan komprehensif, laporan arus kas dan laporan perubahan ekuitas merupakan laporan keuangan yang mencerminkan kegiatan komersial Bank sesuai dengan prinsip syariah.

Statement of financial position, statement of comprehensive income, statement of changes in equity and statement of cash flows are the financial statement reflecting the commercial bank activities based on sharia principles.

Laporan arus kas disusun dengan menggunakan metode langsung dengan mengelompokkan arus kas dalam aktivitas operasi, investasi dan pendanaan. Untuk tujuan laporan arus kas, kas dan setara kas terdiri dari kas, giro pada Bank Indonesia, giro

The statement of cash flows were preparedbased on the direct method with cash flows classified into cash flows from operating, investing and financing activities. For the purpose of the statement of cash flows, cash and cash equivalents include cash on hand,



| 15 06/04/2017 20:54:44






2.

KEBIJAKAN AKUNTANSI (lanjutan) a.

b.

16 |

Dasar Penyajian (lanjutan)

Laporan

2. Keuangan

ACCOUNTING POLICIES (continued) a.

Basis of Financial Statements Presentation (continued)

pada bank lain dan penempatan pada Bank Indonesia dan bank lain yang jatuh tempo dalam periode 3 (tiga) bulan dari tanggal akuisisi.

current accounts with Bank Indonesia and other banks, placements with Bank Indonesia and other banks maturing within 3 (three) months from the date of acquisition.

Laporan rekonsiliasi pendapatan dan bagi hasil merupakan rekonsiliasi antara pendapatan bank syariah yang menggunakan dasar akrual (accrual basis) dengan pendapatan yang dibagihasilkan kepada pemilik dana yang menggunakan dasar kas (cash basis).

The statement of reconciliation of income and revenue sharing represent reconciliation between Bank’s incomes under accrual basis with income which are distributed to funds owner under cash basis.

Laporan sumber dan penyaluran zakat merupakan laporan yang menunjukkan sumber dana dan penyaluran dalam jangka waktu tertentu serta dana zakat yang belum disalurkan pada tanggal tertentu.

Statement of sources and uses of zakat represent a statement showing the sources and the uses of zakat funds in a certain period and the balance of undistributed funds on specific dates.

Zakat adalah sebagian dari harta yang wajib dikeluarkan oleh muzakki (pembayar zakat) untuk diserahkan kepada mustahiq (penerima zakat). Sumber dana zakat, infaq dan shadaqah berasal dari Bank dan pihak lain yang diterima Bank untuk disalurkan kepada pihak yang berhak sesuai dengan prinsip syariah.

Zakat is some of the wealth that must be taken out by muzakki (the zakat payer) to be given to mustahiq (the zakat receiver). Sources of zakat, infaq, shadaqah funds derived from Bank and other parties receive by Bank to be distributed to parties eligible in accordance with sharia principle.

Bank tidak membuat laporan sumber penggunaan dana zakat, infaq dan shadaqah karena Bank tidak secara langsung menjalankan fungsi penyaluran dana zakat, infaq dan shadaqah.

Bank does not prepare statement of sources and uses of zakat, infaq and shadaqah because the Bank is not directly involved in the distribution of zakat funds, infaq and shadaqah.

Laporan sumber dan penggunaan dana kebajikan merupakan laporan yang menunjukkan sumber dan penggunaan dana kebajikan selama jangka waktu tertentu dan saldo dana kebajikan pada tanggal tertentu.

Statement of sources and uses of qardhul hasan funds are the statements indicating the sources and uses of qardhul hasan funds for a period of time and qardhul hasan funds balance in a particular date.

Mata uang pelaporan yang digunakan dalam laporan keuangan adalah mata uang Rupiah (Rp) yang juga merupakan mata uang fungsional Bank.

The reporting currency used in the financial statements is Rupiah which is the Bank’s functional currency.

Transaksi dan Saldo dengan Pihak – pihak Berelasi

b.

Transactions and Balances with the – Related Parties

Dalam usahanya, Bank melakukan transaksi dengan pihak-pihak berelasi. Dalam laporan keuangan ini, istilah pihak berelasi sesuai dengan PSAK No. 7 (Revisi 2010) tentang “Pengungkapan Pihak-pihak Berelasi”.

In the normal course of business, Bank enters into transactions with related parties. In these financial statements, the term of related parties are defined under SFAS No. 7 (Revised 2010) on “Related Party Disclosures”.

Semua transaksi dan saldo yang signifikan dengan pihak berelasi, baik yang dilakukan dengan syarat normal sebagaimana dilakukan dengan pihak yang tidak berelasi, maupun tidak, telah diungkapkan pada catatan atas laporan keuangan.

All significant transactions and balances with related parties, whether or not conducted under terms and conditions similar to those granted to third parties, are disclosed in the notes to the financial statement.



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2.

KEBIJAKAN AKUNTANSI (lanjutan) c.

Cadangan Kerugian Penurunan Nilai Aset Produktif dan Aset Non-Produktif

2.

ACCOUNTING POLICIES (continued) c.

Allowance for impairment Losses Earning and Non-Earning Assets

on

Aset produktif terdiri dari giro dan penempatan pada Bank Indonesia dalam bentuk Sertifikat Bank Indonesia Syariah, Fasilitas Simpanan Bank Indonesia Syariah, giro pada bank lain, penempatan pada bank lain, investasi pada surat berharga, piutang, pinjaman qardh, pembiayaan mudharabah, pembiayaan musyarakah, dan kewajiban komitmen dan kontinjensi yang memiliki risiko kredit seperti bank garansi.

Earning assets consist of current accounts and placements with Bank Indonesia in the form of Bank Indonesia Sharia Certificates, Bank Indonesia Sharia Deposit Facilities, current accounts with other banks, placements with other bank, investments in marketable securities, receivables, funds of qardh, mudharabah financing, musyarakah financing, and commitments and contingencies with credit risk, such as bank guarantees.

Aset non produktif adalah aset bank yang memiliki potensi kerugian antara lain dalam bentuk agunan yang diambil alih (AYDA), properti terbengkalai, rekening antar kantor, dan suspense account.

Non-earning assets are Bank’s assets other than the earning assets which have potential loss among other, consist of inter-office accounts, foreclosed assets and suspense accounts.

Cadangan kerugian penurunan nilai aset produktif dan non produktif serta estimasi kerugian komitmen dan kontinjensi dibentuk berdasarkan hasil penelaahan dan evaluasi terhadap kualitas dari masing-masing aset produktif dan aset non produktif serta komitmen dan kontinjensi pada akhir tahun, Bank menerapkan Peraturan Otoritas Jasa Keuangan (POJK) No.16/POJK.03/2014 tanggal 18 November 2014 tentang ”Penilaian Kualitas Aset Bank Umum Syariah dan Unit Usaha Syariah” yang berlaku efektif tanggal 1 Januari 2015 dan POJK No. 12/POJK.03/2015 tanggal 21 Agustus 2015 tentang ”Ketentuan Kehatihatian dalam Rangka Stimulus Perekonomian Nasional bagi Bank Umum Syariah dan Unit Usaha Syariah” yang berlaku sampai dengan 24 Agustus 2017, serta Surat Edaran Bank Indonesia Nomor 15/26/DPbS tanggal 10 Juli 2013 tentang Pelaksanaan Pedoman Akuntansi Perbankan Syariah Indonesia.

Allowance for impairment losses of earning and non-earning assets and estimated losses on commitments and contingencies established based on the review and evaluation of the quality of each earning assets and nonearning assets and commitments and contingencies at the end of the year. In relation with compliance, the Bank implemented Financial Service Authority Regulation (POJK) No. 16/POJK.03/2014 dated November 18, 2014 regarding “Asset Quality Assessment for Sharia Commercial Banks and Sharia Business Unit” effective on January 1, 2015 and POJK No. 12/POJK.03/2015 dated August 21, 2015 regarding "Prudential Provisions in relation to the National Economic Stimulus for Sharia Bank and Sharia Business Unit" which is valid until August 24, 2017, and Bank Indonesia Circular Letter No. 15/26/DPbS dated July 10, 2013 regarding Implementation of Indonesian Sharia Banking Accounting Guidelines.

Cadangan kerugian kualitas aset produktif dan non produktif serta estimasi kerugian komitmen dan kontinjensi dibentuk berdasarkan hasil penelaahan dan evaluasi terhadap kualitas dari masing-masing aset produktif dan aset non produktif serta komitmen dan kontinjensi pada akhir tahun.

Allowance for losses of quality of earning assets and nonearning assets and estimated losses on commitments and contingencies were established based on the review and evaluation of the quality of each earning assets and non-earning assets and commitments and contingencies at the end of the year.

Pedoman pembentukan cadangan kerugian aset produktif dan penentuan kualitas aset sebagaimana OJK tersebut adalah sebagai berikut:

The guidelines in determining the allowance for impairment losses on earning assets and the rating quality based on the aforementioned OJK Regulation are as follows:

1. Pembentukan cadangan umum dan khusus aset produktif adalah sebagai berikut:

1. The creation of general reserve and specific reserve of earning assets are as follows:



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2.


18 |

Cadangan Kerugian Penurunan Nilai Aset Produktif dan Aset Non-Produktif (lanjutan)

2.


Allowance for Earning and (continued)

impairment Losses on Non-Earning Assets

i. Cadangan Umum, sekurang-kurangnya sebesar 1% dari aset produktif dan komitmen dan kontinjensi yang digolongkan lancar, tidak termasuk Sertifikat Wadiah Bank Indonesia dan Surat Utang Pemerintah berdasarkan prinsip syariah, serta bagian aset produktif yang dijamin dengan jaminan pemerintah dan agunan tunai berupa giro, tabungan, deposito, setoran jaminan, dan/atau emas yang diblokir dan disertai dengan surat kuasa pencairan.

i. General reserve shall be no less than 1% of total earning assets and commitments and contingencies which are classified as current, excluding Bank Indonesia Wadiah Certificates and Government Bonds based on sharia principles, and part of earning assets guaranteed by government and cash collateral in the form of demand deposits, saving deposits, time deposits, guarantee deposits,and/or gold which are pledged accompanied with the power of attorney to liquidate.

ii. Khusus, sekurang-kurangnya sebesar: a) 5% dari aset produktif yang digolongkan dalam perhatian khusus setelah dikurangi agunan; dan b) 15% dari aset produktif yang digolongkan Kurang Lancar setelah dikurangi agunan; dan c) 50% dari asset produktif yang digolongkan Diragukan setelah dikurangi agunan; dan d) 100% dari aset produktif yang digolongkan Macet setelah dikurangi agunan.

ii. Special reserve, shall be at least: a) 5% of earning assets which are classified as Special Mention, after deducting the collateral value; and b) 15% of the earning assets which are classified as substandard after deducting the collateral; and c) 50% of the earning assets which are classified as Doubtful, after deducting of collateral; and d) 100% of the earning assets which are classified as Loss, after deducting of collateral.

2. Pengelompokan golongan kualitas pembiayaan Mudharabah dan Musyarakah dilakukan berdasarkan kemampuan membayar yang mengacu pada rasio RBH terhadap PBH dan atau ketepatan pembayaran pokok.

2.

Classifications of Mudharabah and Musyarakah financing quality based on ability to pay which refers to the ratio of the RBH against PBH or the timely payment of principal installment.

3. Pengelompokan golongan kualitas surat berharga syariah digolongkan menjadi lancar apabila memiliki peringkat investasi lebih tinggi dari nilai yang diterbitkan oleh lembaga pemeringkat yang diakui oleh Bank Indonesia, kurang lancar apabila terdapat penundaan pembayaran bagi hasil, macet apabila tidak memenuhi kriteria lancar dan kurang lancar.

3.

Classifications of sharia securities quality is classified as current if it has a rank higher than the value of investments issued by a rating agency recognized by Bank Indonesia, classified as substandard if there was delay in profit sharing payment, classified as non-performed if it was not meet the criteria of current and substandard.

4. Pengelompokan golongan kualitas aset produktif dalam bentuk pembiayaan mudharabah dan musyarakah digolongkan menjadi 5 (lima) golongan kualitas yakni lancar, dalam perhatian khusus, kurang lancar, diragukan dan macet. Sedangkan untuk agunan yang diambil alih, transaksi antar kantor dan suspense account dikelompokkan menjadi lancar dan macet.

4.

Classifications of earning asset quality in the form of musyarakah and mudharabah financing are classified into 5 (five) classes of quality namely current, special mention, substandard, doubtful and loss. While for the foreclosed assets, transactions between branches and suspense account are classified into current and loss.



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2.



2.


Allowance for impairment Losses on Earning and Non-Earning Assets (continued)

Cadangan kerugian penurunan nilai untuk komitmen dan kontinjensi yang dibentuk disajikan sebagai kewajiban pada laporan keuangan dalam akun “Estimasi kerugian komitmen dan kontinjensi”.

for impairment losses on Allowance commitments and contingencies is recorded under "Estimated Losses on Commitments and Contingencies" account.

Saldo aset produktif dihapusbukukan dari masing-masing cadangan kerugian pada saat manajemen berpendapat bahwa aset produktif tersebut sudah tidak dapat tertagih lagi. Penerimaan kembali aset produktif yang telah dihapusbukukan dicatat sebagai penambahan cadangan/estimasi kerugian selama tahun berjalan.

The outstanding balance of earning assets are wrote off from each allowance for impairment losses when management believes that the assets are uncollected. Recovery from writtenoff earnings assets are recorded as addition into allowance for impairment losses in the current period.

Agunan yang Diambil Alih (AYDA) adalah aset yang diperoleh Bank, baik melalui pelelangan atau di luar pelelangan berdasarkan penyerahan secara sukarela oleh pemilik agunan atau berdasarkan kuasa untuk menjual di luar lelang dari pemilik agunan dalam hal nasabah tidak memenuhi kewajibannya kepada Bank.

Foreclosed assets are assets acquired by the Bank, either through auction or outside the auction based on voluntary handover by the owner of the collateral or by authority to sell outside the auction of the owner of the collateral in case the customer does not meet its obligations to the Bank.

Bank wajib melakukan upaya penyelesaian terhadap AYDA yang dimiliki dan mendokumentasikan upaya penyelesaian AYDA. Bank wajib melakukan penilaian kembali terhadap AYDA atas dasar nilai realisasi bersih:

Bank is required to conduct settlement of the Foreclosed assets owned and documenting the foreclosed assets settlement efforts. Bank is required to reassess the foreclosed assets on the basis of net realizable value:

(i) Pada saat pengambilalihan agunan, dan (ii) Pada masa-masa berikutnya setelah pengambil-alihan agunan

(i) At the time of foreclosure of collateral, and (ii) In subsequent periods after foreclosure assets

Penetapan nilai realisasi bersih wajib dilakukan oleh penilai independen, untuk AYDA dengan nilai Rp5.000.000.000 (lima milyar Rupiah) atau lebih. Sementara untuk AYDA dengan nilai di bawah Rp5.000.000.000 (lima milyar Rupiah) dapat menggunakan penilai internal Bank.

The determination net realizable value shall be conducted by an independent appraiser, for foreclosed assets with a stipulation value Rp5,000,000,000 (five billion Rupiah) or more. Whereas for foreclosed assets with a value below Rp5,000,000,000 (five billion Rupiah) may use the Bank’s internal assessors.

Bank wajib menggunakan nilai yang terendah apabila terdapat beberapa nilai dari penilai independen atau penilai internal Bank.

Bank is required to use the lowest value if there is some value from an independent appraiser or assessor of internal Bank.

AYDA yang telah dilakukan upaya penyelesaian, ditetapkan memiliki kualitas:

Foreclosed assets that have attempted settlement, determined to have quality:

(i) Lancar, apabila dimiliki sampai dengan 1 (satu) tahun; (ii) Macet, apabila dimiliki lebih dari 1 (satu) tahun.

(i) Current, if held up to 1 (one) year;

Agunan yang diambil alih sehubungan dengan penyelesaian pembiayaan (disajikan dalam

Foreclosed assets in connection with settlement of financing facilities (presented in

(ii) Loss, if held for more than 1 (one) year



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2.



2.


akun aset lain-lain) diakui sebesar nilai realisasi bersih. Nilai realisasi bersih adalah nilai wajar aset setelah dikurangi estimasi biaya pelepasan. Selisih antara nilai bersih yang dapat direalisasikan dengan saldo piutang atau pembiayaan yang tidak dapat ditagih diakui sebagai penambah atau pengurang cadangan kerugian penurunan nilai piutang atau pembiayaan.

other assets) are recognized at their net income realizable value. Net realization value is the fair value of an asset after deducting estimated settlement expenses. The difference between the net realization value of the receivables balance or financing that can not be billed are recognized as an addition or deduction allowance for losses of receivables or financing.

Rekening Antar Kantor adalah akun tagihan yang timbul dari transaksi antar kantor yang belum diselesaikan dalam jangka waktu tertentu.

Inter-office accounts are claims arising from inter-office transactions that have not been settled within a specified period.

Suspense account adalah akun yang digunakan untuk menampung transaksi yang tidak teridentifikasi atau tidak didukung dengan dokumen pencatatan yang memadai sehingga tidak dapat diklasifikasikan dalam akun yang seharusnya.

Suspense account is an account that is used to accommodate transactions that are not identified or not supported by adequate recording of documents that can not be classified in the required account.

Bank wajib melakukan upaya penyelesaian rekening antar kantor dan suspense account. Kualitas rekening antar kantor dan suspense account ditetapkan sebagai berikut:

Bank is required to conduct settlement effort of inter-office accounts and suspense accounts. The quality of interoffice accounts and suspense account is determined as follows:

(i) Lancar, apabila tercatat dalam pembukuan Bank sampai dengan 180 (seratus delapan puluh) hari. (ii) Macet, apabila tercatat dalam pembukuan Bank lebih dari 180 (seratus delapan puluh) hari.

(i) Current, if recorded in the books of the Bank up to180 (one hundred and eighty) days. (ii) Loss, if recorded in the books of the Bank more than 180 (one hundred and eighty) days.

Disamping prosedur yang telah dijelaskan dalam Catatan 2.c. 1), Bank juga melakukan penilaian penurunan nilai instrumen keuangan sebagaimana dijelaskan pada Catatan 2.d. d.

Penurunan Nilai Instrumen Keuangan Sesuai dengan PSAK 102 (2013) dan PAPSI 2013, Bank juga mengevaluasi apakah terdapat bukti objektif bahwa aset keuangan atau kelompok aset keuangan mengalami penurunan nilai pada setiap tanggal laporan posisi keuangan. Aset keuangan atau kelompok aset keuangan diturunkan nilainya dan kerugian penurunan nilai telah terjadi jika dan hanya jika terdapat bukti objektif mengenai penurunan nilai tersebut sebagai akibat dari satu atau lebih peristiwa yang terjadi setelah pengakuan awal aset tersebut (peristiwa yang merugikan) yang berdampak pada estimasi arus kas masa depan atau aset keuangan atau kelompok aset keuangan yang dapat diestimasi secara handal.

20 |

Allowance for impairment Losses on Earning and Non-Earning Assets (continued)

In addition to the procedure described in Note 2.c. 1), the Bank assesses the impairment of financial instruments as described in Note 2.d.

d.

Impairment of Financial Instrument In accordance with SFAS No. 102 (2013) and PAPSI 2013, the Bank assesses whether there is any objective evidence that a financial asset or a group of financial assets is impaired at each statement of financial position date. A financial asset or a group of financial assets is deemed to be impaired and the value is reduced if, and only if, there is objective evidence of impairment as a result of one or more events that has occurred after the initial recognition of the asset (an incurred ‘loss event’) which has an impact on the estimated future cash flows of the financial asset or the group of financial assets that can be reliably estimated.



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2.

KEBIJAKAN AKUNTANSI (lanjutan) d.

Penurunan (lanjutan)

Nilai

Instrumen

2. Keuangan

ACCOUNTING POLICIES (continued) d.

Impairment (continued)

of

Financial

Instrument

Bukti objektif penurunan nilai meliputi indikasi kesulitan keuangan signifikan yang dialami penerbit atau debitur, wanprestasi atau tunggakan pembayaran pokok atau marjin pembiayaan restrukturisasi dengan persyaratan yang tidak mungkin diberikan jika debitur tidak mengalami kesulitan keuangan, kemungkinan bahwa debitur akan dinyatakan pailit atau melakukan reorganisasi keuangan lainnya, dan data yang dapat diobservasi mengindikasikan adanya penurunan yang dapat diukur atas estimasi arus kas masa datang, terkait dengan kelompok aset keuangan seperti memburuknya status pembayaran debitur atau penerbit dalam kelompok tersebut atau kondisi ekonomi yang berkorelasi dengan wanprestasi atas aset dalam kelompok tersebut.

Evidence of impairment may include indications that the debtors or issuers are experiencing significant financial difficulty, default or delinquency in margin or principal payments, financing restructuring with terms that may not be applied if the debtor is not experiencing financial difficulty, the probability that the debtor will enter bankruptcy or other financial reorganization, and observable data indicate that there is a measurable decrease in the estimated future cash flows relating to agroup of assets such as adverse changes in the payment status of the debtor or issuer in the group or. economic conditions that correlate with defaults in the asset in such group.

Nilai tercatat aset keuangan diturunkan melalui akun cadangan dan jumlah kerugian yang terjadi diakui pada laporan laba rugi dan penghasilan komprehensif lain. Pendapatan marjin tetap diakui atas nilai tercatat yang telah diturunkan tersebut berdasarkan tingkat suku bunga efektif awal yang digunakan untuk mendiskonto arus kas masa datang dari aset tersebut. Jika pada periode berikutnya, jumlah estimasi kerugian penurunan nilai meningkat atau menurun karena peristiwa yang terjadi setelah pengakuan kerugian penurunan nilai, maka kerugian penurunan nilai yang sudah diakui sebelumnya dinaikkan atau diturunkan dengan menyesuaikan akun cadangan. Aset keuangan dan cadangan yang terkait dihapuskan jika tidak ada peluang yang realistis untuk pengembalian masa datang dan semua agunan telah terealisasi atau sudah diambil alih oleh Bank. Penerimaan kembali aset keuangan yang telah dihapusbukukan dicatat sebagai pengurang cadangan kerugian penurunan nilai di laporan laba rugi dan penghasilan komprehensif lain.

The carrying amount of the asset is reduced through the use of an allowance account and the amount of the loss is recognized in the statement of profit and loss and other comprehensive income. Margin income continues to be accrued on the reduced carrying amount and is accrued using effective rate of return used to discount the future cash flows for the purpose of measuring impairment loss. If, in subsequent period, the amount of the estimated impairment loss increases or decreases because of an event occurring after the impairment was recognized, the previously recognized impairment loss is increased or reduced by adjusting the allowance account. Financial assets together with the associated allowance are written-off when there is no realistic prospect of future recovery and all collateral has been realized or has been transferred to the Bank. Recovery of financial assets previously written-off is recorded as a reduction of allowance for impairment loss in the statement of profit or loss and other comprehensive income.

Untuk tujuan evaluasi penurunan nilai kolektif atas piutang dan pembiayaan yang diberikan, sebagaimana dimungkinkan dalam PSAK No. 102 (Revisi 2013), Surat Edaran Bank Indonesia No. 15/26/DPbS tanggal 10 Juli 2013 dan Surat Otoritas Jasa Keuangan (OJK) No. S159/PB.13/2014 tertanggal 3 Desember 2014, perihal tanggapan atas usulan ASBISINDO, untuk penerapan pertama kali PSAK No. 102 (Revisi 2013) dan PAPSI 2013, Bank menerapkan ketentuan transisi penurunan nilai secara kolektif dengan menggunakan estimasi yang didasarkan pada ketentuan Bank Indonesia yang berlaku Penilaian Kualitas

For the purpose of a collective evaluation of impairment on receivables and financing, as allowed under SFAS No. 102 (Revised 2013), the Bank Indonesia Circular Letter No.15/26/DPbS dated July 10, 2013 and Otoritas Jasa Keuangan (OJK) letter No. S159/PB.13/2014 dated December 3, 2014, concerning on respond of ASBISINDO proposal, for the first adoption of SFAS No. 102 (Revised 2013) and PAPSI 2013, the Bank applies the transition rule for collective impairment calculation based on the prevailing Bank Indonesia regulation on The Quality Rating of Assets of Commercial Banks PT Bank Syariah Bukopin Annual Report 2016


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2.

KEBIJAKAN AKUNTANSI (lanjutan) d.

Penurunan (lanjutan)

Nilai

Instrumen

2. Keuangan

ACCOUNTING POLICIES (continued) d.

Giro dan Penempatan pada Bank Indonesia

e.

Giro pada Bank Lain

f.

22 |

Penempatan pada Bank Lain

Instrument

Current Accounts and Placements with Bank Indonesia

Current account with Other Banks Current accounts with other banks are stated at their outstanding balance net of allowance for impairment losses. Bonuses received from commercial banks based on sharia principles are recognized as other operating income. Interest on current accounts placed with nonsharia banks are not recognized as the Bank's income but are recorded as part of the qardhul hasan fund. The interest from current accounts with non-sharia banks will be recorded as the Bank’s liabilities before distributed.

Giro pada Bank lain dinyatakan sebesar saldo giro dikurangi dengan cadangan kerugian. Bonus yang diterima Bank dari bank umum Syariah diakui sebagai pendapatan operasi lainnya. Penerimaan jasa giro dari bank umum non-syariah tidak diakui sebagai pendapatan Bank tetapi dicatat sebagai dan digunakan untuk dana kebajikan (qardhul hasan). Penerimaan jasa giro dari bank non-syariah tersebut sebelum disalurkan dicatat sebagai liabilitas. g.

Financial

Current accounts and placements with Bank Indonesia consist of wadiah current accounts with Bank Indonesia, Bank Indonesia Deposit Sharia Facility (FASBIS) and Bank Indonesia Sharia Certificates (SBIS) which is a certificate issued by Bank Indonesia as proof of short-term fund deposits with the wadiah and jualah principle. FASBIS and SBIS is a certificate issued by Bank Indonesia as proof of shortterm fund deposits based on Wadiah and jualah principles. Current accounts and placements with Bank Indonesia are stated at the outstanding balance.

Giro dan Penempatan pada Bank Indonesia terdiri dari Giro wadiah pada Bank Indonesia, Fasilitas Simpanan Bank Indonesia Syariah dan Sertifikat Bank Indonesia Syariah yang merupakan sertifikat yang diterbitkan Bank Indonesia sebagai bukti penitipan dana berjangka pendek dengan prinsip wadiah dan jualah. FASBIS dan SBIS merupakan sertifikat yang diterbitkan Bank Indonesia sebagai bukti penitipan dana berjangka pendek dengan prinsip masing masing adalah wadiah dan jualah. Giro dan Penempatan pada Bank Indonesia disajikan sebesar saldo penempatan. f.

of

Conducting Business Based on Sharia Principles. In accordance with SFAS No. 102 (revised 2013) and the aforementioned OJK Letter, the transition rule for collective impairment calculation effective on January 1, 2015.

Aktiva Bank Umum yang Melaksanakan Kegiatan Usaha Berdasarkan Prinsip Syariah. Sesuai dengan PSAK 102 (Revisi 2013) dan Surat OJK tersebut, ketentuan transisi penurunan nilai atas asset keuangan secara kolektif berlaku mulai 1 Januari 2015. e.

Impairment (continued)

g.

Placements with Other Banks

Penempatan pada bank lain adalah penanaman dana pada bank syariah lainnya dan/atau bank perkreditan rakyat syariah antara lain dalam bentuk giro wadiah, deposito berjangka mudharabah dan/ atau tabungan mudharabah, pembiayaan yang diberikan, dan bentuk-bentuk penempatan lainnya berdasarkan prinsip syariah. Penempatan pada bank lain disajikan sebesar saldo penempatan dikurangi dengan cadangan kerugian.

Placements with other banks represent placements in other Sharia Bank and/or sharia rural banks in the form of wadiah demand deposits, mudharabah time deposits and/or mudharabah saving deposits, financing facilities, and other placements based on Sharia principles. Placements with other banks are stated at their outstanding balances, net of allowance for possible losses.

Surat berharga syariah adalah surat bukti penanaman dalam surat berharga berdasarkan prinsip syariah yang lazim diperdagangkan di pasar syariah dan/atau pasar modal syariah antara lain obligasi syariah (sukuk), sertfikat reksadana syariah dan surat berharga lainnya berdasarkan prinsip syariah.

Sharia marketable securities is a proof of investment under the sharia principles commonly traded in sharia money market and/or sharia stock exchange, such as sharia bonds (sukuk), certificate of sharia mutual funds and other sharia securities based on sharia principles



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2.

KEBIJAKAN AKUNTANSI (lanjutan) g.

h.

Penempatan pada Bank Lain (lanjutan)

2.

ACCOUNTING POLICIES (continued) g.

Placements with Other Banks (continued)

Bank menerapkan PSAK No. 110 (Revisi 2011), “Akuntansi Sukuk”, yang mengatur pengakuan, pengukuran, penyajian dan pengungkapan transaksi sukuk ijarah dan sukuk mudharabah.

The Bank implemented the SFAS No. 110 (Revised 2011), “Accounting for Sukuk”, which regulate recognition, measurement, presentation and disclosure of transactions of sukuk ijarah and sukuk mudharabah.

Sebelum pengakuan awal, entitas menentukan klasifikasi investasi pada sukuk sebagai diukur pada biaya perolehan atau di ukur pada nilai wajar.

Before initial recognition, the entity determines the classification of investments in sukuk as measured at cost or at fair value measured.

Sukuk ijarah dan sukuk mudaharabah setelah pengukuran awal diukur sebagai berikut:

Sukuk Ijarah and mudharabah after the initial measurement are measured as follows:

1) Diukur pada biaya perolehan jika (a) investasi tersebut dimiliki dalam suatu model usaha yang bertujuan utama untuk memperoleh arus kas kontraktual dan terdapat persyaratan kontraktual yang menentukan tanggal tertentu pembayaran pokok dan/atau hasilnya, (b) biaya perolehan sukuk termasuk biaya transaksi, (c) Selisih antara biaya perolehan dan nilai nominal diamortisasi secara garis lurus selama jangka waktu sukuk, (d) rugi penurunan nilai diakui jika jumlah terpulihkan lebih kecil dari jumlah tercatat dan disajikan sebagai penurunan nilai di dalam laporan laba rugi komprehensif.

1) Measured at acquisition cost if: (a) the investment is held within a business model whose primary goal is to obtain contractual cash flows and there is a contractual requirement which determine a specific date of payment of principal and/or the results, (b) sukuk acquisition cost including transaction cost, (c) difference between the acquisition cost and the nominal value is amortized using straight line basis for a period of the sukuk (d) impairment loss is recognized if the recoverable amount is less than the carrying amount and are presented as an impairment in statement of comprehensive income.

2) Diukur pada nilai wajar dengan mengacu kepada: (a) kuotasi harga di pasar aktif, atau (b) harga yang terjadi pada transaksi terkini jika tidak ada kuotasi harga di pasar aktif atau (c) nilai wajar instrumen sejenis jika tidak ada kuotasi harga di pasar aktif dan tidak ada harga yang terjadi dari transaksi terkini.

2) Measured at fair value with reference to: (a) the price quotations in an active market or (b) the price that occurs in the current transaction if there is no price quotation in an active market or (c) the fair value of similar instruments if no price quotation in active market and no available price from the current transaction.

Biaya perolehan sukuk tidak termasuk biaya transaksi. Selisih antara nilai wajar dengan nilai transaksi diakui dalam laba rugi komprehensif lainnya.

Acquisition cost of sukuk exclude transaction cost. The difference between the fair value and the carrying amount is recognized in other comprehensive income.

Cadangan kerugian penurunan nilai wajib diakui sesuai dengan pedoman dari Bank Indonesia dan disajikan sebagai pengurang saldo investasi pada surat berharga.

Allowance for impairment losses must be recognized in accordance with the guidelines of Bank Indonesia and are stated as a deduction of investments in marketable securities

Piutang

h.

Receivables

Piutang adalah tagihan yang timbul dari transaksi jual beli berdasarkan akad murabahah dan Istishna.

Receivables represent claims arising from the sale and purchase transaction based on murabahah and istishna.

Murabahah adalah transaksi penjualan barang dengan menyatakan harga perolehan dan keuntungan (margin) yang disepakati oleh penjual dan pembeli. Murabahah dapat

Murabahah is a sales contract for purchase of goods with the price and margin have been agreed by both buyer and seller as stated in the contract. A murabahah can be exercised with or PT Bank Syariah Bukopin Annual Report 2016


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2.

KEBIJAKAN AKUNTANSI (lanjutan) h.

i.

j.

2.

Piutang (lanjutan)

h.

Receivables (continued)

dilakukan berdasarkan pesanan atau tanpa pesanan. Dalam Murabahah berdasarkan pesanan, bank melakukan pembelian barang setelah ada pemesanan dari nasabah. Pada saat akad Murabahah, piutang Murabahah diakui sebesar biaya perolehan aset Murabahah ditambah keuntungan yang disepakati. Piutang Murabahah disajikan sebesar nilai bersih yang dapat direalisasikan yakni saldo piutang dikurangi cadangan kerugian. Margin Murabahah yang ditangguhkan disajikan sebagai pos lawan piutang Murabahah.

without predetermined order, the Bank purchases goods once the order has been plasced by the costumer. Upon entering into murabahah contract, murabahah receivable is recognized based on the acquisition cost of murabhah assets plus agreed margin. Murabahah receivables are presented as net realizable value, it is the receivable balance deducted with allowance for possible losses. Deferred Murabahah margin is presented as a contra account of Murabahah receivables.

Istishna adalah akad penjualan antara almustashni (pembeli) dan al-shani (produsen yang juga bertindak sebagai penjual). Berdasarkan akad tersebut, pembeli menugasi produsen untuk membuat atau mengadakan almashnu (barang pesanan) sesuai spesifikasi yang diisyaratkan pembeli dan menjualnya dengan harga yang disepakati. Piutang Istishna disajikan sebesar tagihan termin kepada pembeli akhir dikurangi cadangan kerugian.

Istishna is a sales contract between buyer (almustashni) and manufacturer acting as the seller (al-shani). Based on such contract, the buyer orders the manufacturer to produce or to supply goods ordered (al-mashnu) in accordance with specifications required by the buyer and to sell to the buyer at an agreed price. Istishna receivables are recognized based on the outstanding billings less allowance for impairment losses.

Bank menetapkan cadangan kerugian sesuai dengan kualitas piutang berdasarkan penelaahan atas masing-masing saldo piutang.

Allowance for impairment losses is provided based on a review on the quality of each individual receivable account.

Pinjaman Qardh

i.

Funds of Qardh

Pinjaman Qardh adalah penyediaan dana atau tagihan yang dapat dipersamakan dengan itu berdasarkan persetujuan atau kesepakatan antara peminjam dan Bank yang mewajibkan peminjam melunasi hutangnya setelah jangka waktu tertentu. Bank dapat menerima imbalan namun tidak boleh mensyaratkan adanya imbalan tersebut dalam perjanjian. Imbalan, jika diberikan diakui sebagai pendapatan pada saat diterima.

Funds of Qardh is the fund supply or claims which equivalent to it, based on an agreement between the borrower and the Bank which requires the borrower to pay off the loans on certain period of time. Banks may receive compensation but may not put any benefits in the agreement. Benefits, if granted are acknowledged as revenue when received.

Pinjaman Qardh diakui sebesar jumlah dana yang dipinjamkan pada saat terjadinya, Kelebihan penerimaan dari pinjaman atas Qardh yang dilunasi diakui sebagai pendapatan pada saat terjadinya. Pinjaman Qardh disajikan sebesar saldonya dikurangi cadangan penurunan.

Funds of qardh is recognised at the amount lend at the transaction date. Any excess amount paid by the borrower in repaying a qardh is recognised as revenue upon realization. Funds of qardh is stated at its outstanding balance less allowance for impairment losses .

Pembiayaan Pembiayaan terdiri dari mudharabah dan musyarakah.

j. pembiayaan

Pembiayaan mudharabah adalah penanaman dana dari pemilik dana (shahibul maal) kepada pengelola dana (mudharib) untuk melakukan kegiatan usaha tertentu, dengan menggunakan

24 |

ACCOUNTING POLICIES (continued)

Financing Financing consists of musyarakah financing.

mudharabah

and

Mudharabah financing is investments of funds from the owner of funds (shahibul maal) to the fund manager (mudharib) to conduct a certain business activity, with net profit sharing or gross



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2.

KEBIJAKAN AKUNTANSI (lanjutan) j.

Pembiayaan (lanjutan)

2.

ACCOUNTING POLICIES (continued) j.

Financing (continued)

bagi laba-bersih (net profit sharing) atau metode bagi hasil usaha-kotor (gross profit margin) antara kedua belah pihak berdasarkan nisbah yang telah disepakati sebelumnya. Bank mengenakan bagi hasil berdasarkan metode bagi hasil usaha- kotor (gross profit margin).

profit margin method between the two parties based on mutually agreed predetermined nisbah. The Bank uses profit sharing scheme based on gross profit margin method.

Pembiayaan mudharabah dinyatakan sebesar saldo pembiayaan dikurangi dengan cadangan kerugian. Bank menetapkan cadangan kerugian sesuai dengan kualitas pembiayaan berdasarkan penelaahan atas masing-masing saldo pembiayaan. Apabila sebagian pembiayaan mudharabah mengalami kehilangan sebelum dimulainya usaha karena adanya kerusakan atau sebab lainnya tanpa adanya kelalaian atau kesalahan pihak pengelola dana, maka rugi tersebut mengurangi saldo pembiayaan mudharabah dan diakui sebagai kerugian Bank.

Mudharabah financing is stated at the outstanding financing balance less allowance for impairment losses. Allowance for impairment losses is provided based on the review of the quality of individual mudharabah financing. In the event that a portion of mudharabah financing is impaired prior to the start up of operations owing to damage or any other reason, without course to negligence or error on the part of the fund manager, the said loss shall reduce the mudharabah financing balance and shall be recognized as a loss by the Bank.

akad Pembiayaan musyarakah adalah kerjasama antara dua pihak atau lebih untuk suatu usaha tertentu, dimana masing-masing pihak memberikan kontribusi dana dengan ketentuan bahwa keuntungan dibagi berdasarkan kesepakatan, sedangkan kerugian berdasarkan porsi kontribusi dana. Dana tersebut meliputi kas atau aset non-kas yang diperkenankan oleh prinsip syariah.

Musyarakah financing is an agreement between two or more parties for a particular business, in which each party contributes funds provided that the profits are divided according to the agreement, while losses are based on the portion of fund contributions. The fund consists of cash or non-cash assets allowed by sharia.

Pembiayaan musyarakah dinyatakan sebesar saldo pembiayaan dikurangi dengan cadangan penurunan nilai . Bank menetapkan cadangan penurunan nilai sesuai dengan kualitas pembiayaan berdasarkan penelaahan atas masing-masing saldopembiayaan musyarakah.

Musyarakah financing is stated at outstanding balance reduced by, net of allowance for impairment losses The Bank provides allowance for possible losses based on the financing quality as determined by a review of each account.

k. Aset Ijarah

k.

Assets of Ijarah

Aset yang diperoleh untuk Ijarah adalah aset yang dijadikan obyek sewa (Ijarah) dan diakui sebesar harga perolehan. Obyek sewa dalam transaksi Ijarah disusutkan sesuai kebijakan penyusutan aset sejenis, sedangkan obyek sewa dalam Ijarah Muntahiyah Bittamlik disusutkan sesuai masa sewa.

Assets acquired for ijarah represent assets/objects for lease transactions (ijarah) and are recognized at the acquisition cost. The assets in an ijarah transaction are depreciated using straight-line method based on the estimated useful life.

Aset yang diperoleh untuk Ijarah disajikan sebesar nilai perolehan dikurangi dengan akumulasi penyusutan amortisasi.

Assets acquired for ijarah are presented at the acquisition cost less accumulated depreciation and amortization.

Peraturan ketentuan Bank Indonesia No. 8/21/PBI/2006 tanggal 5 Oktober 2006 menjelaskan bahwa efektif 1 Januari 2007, pembentukan cadangan penghapusan untuk aset Ijarah Muntahiyah Bittamlik tidak berlaku.

Bank Indonesia Regulation No. 8/21/PBI/ 2006 dated October 5, 2006 defines that effective on January 1, 2007, allowance for loss of Ijarah Muntahiyah Bittamlik assets are not applicable.



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2.

KEBIJAKAN AKUNTANSI (lanjutan) l.

Aset Tetap

ACCOUNTING POLICIES (continued) l.

Premises and equipment

Aset tetap dinyatakan sebesar biaya perolehan setelah dikurangi akumulasi penyusutan kecuali aset tetap tertentu yang dinilai kembali berdasarkan Peraturan Pemerintah dan aset tetap tanah tidak disusutkan.

Premises and equipment are stated as acquisition cost deducted with accumulated depreciation excluded specific premises which revalued based on Government Regulation and land is not depreciated.

Efektif 1 Oktober 2016 untuk akun tanah, Bank merubah kebijakan akuntansinya dari metode harga perolehan menjadi metode revaluasi. Bank melakukan penilaian kembali atas seluruh aset tanah yang dimiliki dengan menggunakan jasa dari Kantor Jasa Penilai Publik (KJPP). Kenaikan nilai tercatat yang timbul dari revaluasi tanah dibukukan pada akun “surplus revaluasi aset tetap” sebagai bagian dari pendapatan komprehensif lainnya.

Effective October 1, 2016 the Bank changed its accounting policies related to land from the cost model to the revaluation model. The Bank revalued all of it’s existing land using the services of external independent appraisal. The increase of carrying value which derived from revaluation of land is recorded “revaluation surplus on premises and equipment” in other comprehensive income.

Penyusutan dihitung dengan menggunakan metode garis lurus (straight line method) berdasarkan taksiran masa manfaat ekonomis aset tetap sebagai berikut:

Depreciation is calculated by using the straight line method based on the estimated useful periods of the assets as follows:

Bangunan Instalasi Kendaraan bermotor Komputer Mesin-mesin Peralatan kantor Biaya pemeliharaan dan perbaikan dibebankan pada laporan laba rugi pada saat terjadinya; pemugaran dan penambahan dalam jumlah signifikan dikapitalisasi. Nilai buku aset tetap yang sudah tidak digunakan lagi atau yang dijual, dikeluarkan dari kelompok aset tetap yang bersangkutan dan laba atau rugi yang terjadi dilaporkan dalam laporan laba rugi pada tahun yang bersangkutan. m. Aset Lain-lain

26 |

2.

Tahun/Year 20 8 4-8 8 8 4

Buildings Instalation Vehicles Computer Machineries Offices utilities The cost of repairs and maintenance is charged to income statementas as incurred; significant renewals and additions are capitalized. When assets are retired or otherwise dispose, their cost and the related accumulated depreciation are removed from the accounts and any resulting gain or loss is credited or charged to current operations.

m. Other Assets

Aset lain-lain antara lain terdiri dari biaya dibayar di muka, pendapatan yang masih akan diterima dari surat berharga, piutang pendapatan bagi hasil, suspense account, uang muka, setoran jaminan, agunan yang diambil alih dan lain-lain.

Other assets consist of prepaid expenses, accrued income from marketable securities, revenue sharing receivables, suspense accounts, advance, deposit guarantees, foreclosed assets and others.

Biaya dibayar dimuka (disajikan dalam akun “Aset Lain-lain”) di amortisasi selama masa manfaat masing-masing biaya dengan menggunakan metode garis lurus (straight-line method).

Prepaid expenses (included in “Other Assets”) in amortized over the useful life of each expense using the straight-line method .

Penurunan Nilai Aset Non-Keuangan

Impairment of Non-Financial Assets

Agunan pembiayaan yang diambil alih sehubungan dengan penyelesaian pembiayaan

Foreclosed assets in settlement of financing facilities are included as part of other assets



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2.

KEBIJAKAN AKUNTANSI (lanjutan) m. Aset Lain-lain (lanjutan)

n.

2.

ACCOUNTING POLICIES (continued) m. Other Assets (continued)

(disajikan dalam akun aset Lainlain) diakui sebesar nilai bersih yang dapat direalisasi. Nilai bersih yang dapat direalisasi adalah nilai wajar aset setelah dikurangi estimasi biaya pelepasan Apabila nilai agunan yang diperoleh, baik melalui lelang maupun penyerahan secara sukarela, lebih kecil daripada pembiayaan atau piutang, maka selisihnya dibebankan pada cadangan kerugian pembiayaan atau piutang. Jika nilai agunan yang diperoleh, baik melalui lelang maupun penyerahan sukarela, lebih besar dari pada pembiayaan atau piutang maka selisihnya dikembalikan ke nasabah.

and are recognized at their net realizable value. Net realizable value is the fair value of an asset after deducting estimated settlement expenses. If the value of a foreclosed assets whether acquired from auction or from voluntary conveyance, is less than the financing or receivable, the difference is charged to the allowance for possible losses of financing assets wheter acquired from auction or from voluntary conveyance, is more than the financing or receivable, the difference is returned to the customer.

Manajemen mengevaluasi nilai agunan yang diambil alih secara berkala. Cadangan kerugian agunan yang diambil alih dibentuk atas penurunan nilai yang terjadi disajikan sebagai pengurangan dari akun agunan yang diambil alih.

Management evaluates the value of foreclosed assets regularly. An allowance for impairment losses on foreclosed asset is provided based on the decline in value of foreclosed asset.

Penurunan Nilai Aset Non-Keuangan

Impairment of non-Financial Assets

Efektif sejak tanggal 1 Januari 2015, Bank menerapkan PSAK No. 48 (Revisi 2014),”Penurunan Nilai Aset”. Penerapan PSAK ini tidak menimbulkan perubahan yang besar terhadap pelaporan keuangan dan pengungkapan dalam laporan keuangan.

Effective since January 1, 2015, Bank implemented the SFAS No. 48 (Revised 2014), “Assets Impairment”. This SFAS adoption create no huge change towards financial statement and disclosure in the financial statement.

Liabilitas Segera

n.

Obligations due immediately represent the Bank’s obligations to other parties which should be settled immediately based on predetermined instructions by those having the authority. Obligations due immediately are stated at the amounts of Bank liabilities.

Liabilitas segera merupakan liabilitas Bank kepada pihak lain yang sifatnya wajib segera dibayarkan sesuai dengan perintah pemberi amanat perjanjian yang ditetapkan sebelumnya. Liabilitas segera dinyatakan sebesar nilai kewajiban Bank. o. Simpanan dari Nasabah dan Bank Lain

Obligations Due Immediately

o.

Deposits from Customers and Other Banks

Simpanan merupakan simpanan pihak lain dalam bentuk giro wadiah, tabungan wadiah dan Sertifikat Investasi Mudharabah Antarbank (SIMA). Simpanan dari bank lain dinyatakan sebesar nilai liabilitas Bank kepada bank lain.

Deposits represent other parties’ deposits in the form of wadiah demand deposits, wadiah savings deposits and Certificate of Interbank Mudharabah Investment (SIMA). Deposits from other banks are stated at the amount payable to the other banks.

Giro wadiah digunakan sebagai instrumen pembayaran dan dapat ditarik setiap saat melalui cek dan bilyet giro, serta mendapatkan bonus sesuai dengan kebijakan Bank. Giro wadiah dinyatakan sebesar titipan pemegang giro di Bank.

Wadiah demand deposits are used as payment instruments and available for withdrawal at any time through cheque and demand deposits drafts, and receive bonuses according to the Bank policies. Wadiah demand are stated at the amount entrusted by depositors.

Tabungan wadiah adalah simpanan dana nasabah pada Bank, yang bersifat titipan dan penarikannya dapat dilakukan setiap saat. Terhadap titipan tersebut, Bank tidak

Wadiah savings deposits is Bank’s customer deposits, which are deposited and may be withdrawn at any time. With respect to the deposit, the Bank shall not be required to PT Bank Syariah Bukopin Annual Report 2016


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2.

KEBIJAKAN AKUNTANSI (lanjutan) o. Simpanan dari Nasabah dan Bank Lain (lanjutan)

ACCOUNTING POLICIES (continued) o.

Deposits from Customers and Other Banks (continued)

dipersyaratkan untuk memberikan imbalan kecuali dalam bentuk pemberian bonus secara sukarela. Tabungan wadiah dinyatakan sebesar liabilitas Bank.

provide benefits in the form of bonuses except voluntarily. Wadiah savings is stated at the Bank’s liabilities.

SIMA merupakan penanaman dana dari bank lain dengan sistem bagi hasil. SIMA dinyatakan sebesar liabilitas Bank kepada bank lain.

SIMA is the investment of funds from other banks with profit sharing system. SIMA is stated at the amount payable to others bank.

p. Dana Syirkah Temporer

28 |

2.

p. Temporary Syirkah Funds

Dana syirkah temporer adalah investasi yang diterima oleh Bank. Bank mempunyai hak untuk mengelola dan menginvestasikan dana, baik sesuai dengan kebijakan Bank atau kebijakan pembatasan dari pemilik dana, dengan keuntungan dibagikan sesuai dengan kesepakatan nisbah. Dana syirkah temporer terdiri dari tabungan mudharabah dan deposito mudharabah.

Temporary syirkah fund is investment received by the Bank. The Bank has the right to manage and invest, either in accordance with the Bank’s policies or restrictions policy of the funds owner, with profits are distributed in accordance with agreed predetermined ratio (nisbah). Temporary syirkah funds consist of mudharabah saving deposits and mudharabah time deposits.

Tabungan mudharabah merupakan simpanan dana pihak lain yang mendapatkan imbalan bagi hasil dari pendapatan Bank atas penggunaan dana tersebut dengan nisbah yang ditetapkan dan disetujui sebelumnya. Tabungan mudharabah dicatat sebesar nilai simpanan nasabah.

Mudharabah saving deposits represent funds from third parties which receive profit sharing return based on predetermined and pre-agreed ratio (nisbah) from income derived by the Bank from the use of such funds. Mudharabah saving deposits are stated at the customer’s saving deposits balance.

Deposito mudharabah merupakan simpanan pihak lain yang hanya bisa ditarik pada waktu tertentu sesuai dengan perjanjian antara pemegang deposito mudharabah dengan Bank. Deposito mudharabah dinyatakan sebesar nilai nominal sesuai dengan perjanjian antara pemegang deposito mudharabah dengan Bank.

Mudharabah time deposits represent third party funds that can be withdrawn only at a certain point in time based on the agreement between the customer and the Bank. Mudharabah time deposits are stated at nominal amount as agreed by deposits holder and the Bank.

Dana syirkah temporer tidak dapat digolongkan sebagai liabilitas. Hal ini karena Bank tidak berkewajiban untuk mengembalikan jumlah dana awal dari pemilik dana kecuali akibat kelalaian atau wanprestasi ketika mengalami kerugian. Di sisi lain dana syirkah temporer tidak dapat digolongkan sebagai ekuitas karena mempunyai waktu jatuh tempo dan pemilik dana tidak mempunyai hak kepemilikan yang sama dengan pemegang saham, seperti hak voting dan hak atas realisasi keuntungan yang berasal dari aset lancar dan aset non-investasi.

Temporary syirkah fund cannot be classified as liability. This was due to the Bank does not have any obligation to return the initial fund to the owners, except for losses due to the Bank’s management negligence or default of loss is incurred. On the other hand, temporary syirkah fund cannot be classified as shareholders’ equity, because they have maturity period and the depositors do not have ownership rights as common shareholders’, such as voting rights and the rights upon realised gain from current assets and other non-investment accounts.

Dana syirkah temporer merupakan salah satu unsur laporan posisi keuangan, hal tersebut sesuai dengan prinsip syariah yang memberikan hak kepada Bank untuk mengelola dan menginvestasikan dana, termasuk untuk mencampur dana dimaksud dengan dana lainnya.

Temporary syirkah funds represent one of the element of statement of financial position which is in line with sharia principle which entitles the Bank to manage and invest funds, including to manage as one portfolio with other type of funds.



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2.

KEBIJAKAN AKUNTANSI (lanjutan) p. Dana Syirkah Temporer (lanjutan)

2.

ACCOUNTING POLICIES (continued) p.

The owners of temporary syirkah funds earn profit in accordance with the agreement and receive loss based on the amount of funds from each party. The return of temporary are based on profit sharing or revenue sharing concept.

Pemilik dana syirkah temporer memperoleh bagian atas keuntungan sesuai kesepakatan dan menerima kerugian berdasarkan jumlah dana dari masing-masing pihak. Pembagian hasil dana syirkah temporer dapat dilakukan dengan konsep bagi hasil atau bagi keuntungan. q. Pendapatan Pengelolaan Dana Oleh Bank sebagai Mudharib

Temporary Syirkah Funds (continued)

q.

Revenue from Fund Management by the Bank as Mudharib

Pendapatan pengelolaan dana oleh Bank sebagai mudharib terdiri dari pendapatan dari Murabahah dan Istishna; pendapatan bagi hasil dari pembiayaan Mudharabah dan Musyarakah; dan pendapatan usaha utama lainnya.

Income from fund managed by the Bank as mudharib consists of income from murabahah and istishna transactions; profit sharing from mudharabah and musyarakah other main operating income.

Pengakuan keuntungan transaksi murabahah dengan pembayaran tangguh atau secara angsuran dilakukan selama periode akad sesuai dengan metode efektif (anuitas).

Income recognition from murabahah transaction with deferred payment or installment is conducted over the period of contract using effective method (annuity).

Pendapatan murabahah yang termasuk margin ditangguhkan dan pendapatan administrasi, diakui dengan menggunakan metode tingkat imbal hasil efektif, yaitu tingkat imbal hasil yang akan mendiskonto secara tepat estimasi pembayaran atau penerimaan kas di masa datang sepanjang perkiraan umur instrumen keuangan tersebut atau, jika lebih tepat untuk masa yang lebih singkat untuk nilai tercatat bersih dari aset keuangan atau liabilitas keuangan.

Murabahah income which includes deferred margin and administrative income, are recorded using the effective rate of return method, which is the rate that exactly discounts estimated future cash payments or receipts through the expected life of the financial instrument or a shorter period, where appropriate, to the net carrying amount of the financial asset or financial liability.

Perhitungan dilakukan dengan memperhitungkan seluruh syarat dan ketentuan kontraktual dari instrumen keuangan dan biaya tambahan yang timbul secara langsung untuk instrumen tersebut dan merupakan bagian tidak terpisahkan dari efektif margin.

The calculation takes into account all contractual terms of the financial instrument and includes any fees or incremental costs that are directly attributable to the instrument and are an integral part of the effective financing rate.

diakui dengan Pendapatan istishna menggunakan metode persentase penyelesaian atau metode akad selesai.

Income from istishna is recognized using the percentage of completion or full completion method.

Pendapatan bagi hasil mudharabah diakui dalam periode terjadinya hak bagi hasil sesuai nisbah yang disepakati, dan tidak diperkenankan mengakui pendapatan dari proyeksi hasil usaha.

Profit sharing income from mudharabah is recognized in the period when the profit sharing right arises in accordance with agreed sharing ratio and the recognition based on projection of income is not allowed.

Pendapatan bagi hasil musyarakah yang menjadi hak mitra pasif diakui dalam periode terjadinya hak bagi hasil sesuai nisbah yang disepakati.

Profit sharing for passive partner in musyarakah is recognized in the period when the right arises in accordance with the agreed sharing ratio.



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2.

KEBIJAKAN AKUNTANSI (lanjutan) q. Pendapatan Pengelolaan Dana Oleh Bank sebagai Mudharib (lanjutan)

2.

ACCOUNTING POLICIES (continued) q.

Repayment from debtors classified as nonperforming was treated as repayment of acquisition cost or principal of receivable/ financing. Payment in excess of the acquisition cost or principal of receivable/financing will be recognized as income when it received.

Setoran dari debitur dengan kualitas non-performing diperlakukan sebagai pengembalian harga perolehan atau pokok piutang/pembiayaan. Kelebihan pembayaran di atas harga perolehan atau pokok piutang/pembiayaan diakui sebagai pendapatan pada saat diterimanya. r.

Pendapatan Usaha Utama Lainnya

r.

30 |

Other Main Operating Income Other main operating income consists of income derived from Bank Indonesia sharia Certificates, Bank Indonesia Sharia Deposit Facility, placements with other sharia banks, and profit sharing from sharia securities. Other main operating income is recognized on accrual basis .

Pendapatan usaha utama lainnya terdiri dari pendapatan dari Sertifikat Bank Indonesia Syariah, pendapatan dari penempatan pada bank syariah lain dan pendapatan bagi hasil surat berharga syariah. Pendapatan usaha utama lainnya diakui secara akrual.

s. Hak Pihak Ketiga Atas Bagi Hasil Dana Syirkah Temporer

Revenue from Fund Management by the Bank as Mudharib (continued)

s.

Third Parties’ Share on Temporary Syirkah Funds

Returns

of

Hak pihak ketiga atas bagi hasil dana syirkah temporer merupakan bagian bagi hasil milik pihak ketiga yang didasarkan pada prinsip mudharabah mutlaqah atas pengelolaan dana mereka oleh Bank. Pendapatan yang dibagikan adalah pendapatan yang telah diterima (cash basis).

Third parties’ share on returns of temporary syirkah funds represents fund owner share on the profit of Bank derived from managing of such fund under under mudharabah mutlaqah, principles. The profit sharing is determined on the cash basis.

Bagian laba Bank yang dibagikan kepada pemilik dana dihitung dari pendapatan yang telah diterima.

Bank’s share of profit distributed to the owners of the fund is calculated from the income that has been received.

Jumlah pendapatan margin dan bagi hasil atas pembiayaan yang diberikan dan dari aset produktif lainnya akan dibagikan kepada nasabah penyimpan dana. Bank menghitung secara proporsional sesuai dengan alokasi dana nasabah dan Bank yang dipakai dalam pembiayaan yang diberikan dan aset produktif lainnya yang disalurkan. Dari jumlah pendapatan margin dan bagi hasil yang tersedia untuk nasabah tersebut kemudian dibagihasilkan kepada nasabah penabung dan deposan sebagai shahibul maal dan Bank sebagai mudharib sesuai dengan porsi nisbah bagi hasil yang telah disepakati bersama sebelumnya, sedangkan untuk nasabah giro dan tabungan dengan akad wadiah dapat diberikan bonus berdasarkan kebijakan Bank.

Margin income and profit sharing on financing facilities and other earning assets are distributed to fund owners. The Bank calculated proportionally based on the allocation of fund from owners and the Bank to be used in financing facilities and other distributed earning assets. Total margin income and profit sharing which available for customers are distributed to saving customers and depositors as shahibul maal and to the Bank as mudharib in accordance with a predetermined ratio, where as for demand deposits and savings customers with wadiah contract may be granted bonuses based on Bank’s policy.

Pendapatan margin dan bagi hasil atas pembiayaan yang diberikan dan aset produktif lainnya yang didapatkan melalui penggunaan dana Bank, seluruhnya menjadi milik Bank, termasuk pendapatan dari investasi Bank berbasis imbalan.

Margin income and profit sharing on financing facilities and other earning assets are distributed to fund owners. The Bank computes proportionately based on the allocation of funds from owners and the Bank which was used in financing and other earning assets granted.



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2.

KEBIJAKAN AKUNTANSI (lanjutan) t.

Pendapatan Provisi dan Komisi

2.

ACCOUNTING POLICIES (continued) t.

Fees and commissions which are directly related to financing activities, are recognized as income upon receipt.

Pendapatan provisi dan komisi yang berkaitan langsung dengan kegiatan pembiayaan diakui sebagai pendapatan pada saat diterima. u. Imbalan Pasca Kerja

Fee and Commission income

u.

Post-Employment Benefits

Efektif sejak tanggal 1 Januari 2015, Bank menerapkan PSAK No. 24 (Revisi 2013), “Imbalan Kerja”, yang menghapuskan mekanisme koridor dan pengungkapan atas informasi liabilitas kontinjensi untuk menyederhanakan klasifikasi dan pengungkapan.

Effective since January 1, 2015, the Bank implemented SFAS No. 24 (Revised 2013), "Employee Benefits", which removes the corridor mechanism and the contingent liabilities disclosures to simplify the clasifications and disclosures.

Imbalan kerja jangka pendek seperti upah, iuran jaminan sosial, cuti jangka pendek dan tunjangan hari raya diakui selama periode jasa diberikan. Imbalan jangka pendek dihitung sebesar jumlah yang tidak didiskontokan.

Short-term employee benefits such as salaries, social security contributions, short-term leaves and allowance of feast day are recognized during the period when services have been rendered. Short-term employee benefits are measured using undiscounted amounts.

Iuran kepada dana pensiun sebesar persentase tertentu gaji pegawai yang menjadi peserta program pensiun iuran pasti Bank. Iuran dicadangkan dan diakui sebagai biaya ketika jasa telah diberikan oleh pegawai-pegawai tersebut dan pembayarannya dikurangkan dari utang iuran. Iuran terhutang dihitung berdasarkan jumlah yang tidak didiskontokan.

Contribution payable to the pension fund equivalent to a certain percentage of salaries for qualified employees under the Bank’s defined contribution plan. The contribution is accrued and recognized as expense when services have been rendered by qualified employees and actual payments are deducted from the contribution payable. Contribution payable is measured using undiscounted amounts.

Imbalan pasca kerja dan imbalan kerja jangka panjang lainnya seperti cuti besar diakui sebagai biaya ketika jasa telah diberikan oleh pegawai yang memenuhi syarat. Imbalan kerja ditentukan berdasarkan peraturan Bank dan persyaratan minimum Undang-undang Tenaga Kerja No. 13/2003.

The post-employment benefits and other longterm employee benefits such as grand leaves recognized as expense when services have been rendered by qualified employees. The benefits are determined based on Bank regulations and the minimum requirements of Labor Law No. 13/2003.

Imbalan pasca-kerja dan imbalan kerja jangka panjang lainnya secara aktuaris ditentukan berdasarkan metode Projected Unit Credit.

The post-employment benefits and other longterm employee benefits are actuarially determined using the Projected Unit Credit Method.

Pengukuran kembali atas liabilitas (aset) imbalan pasti neto, yang diakui sebagai penghasilan komprehensif lain, terdiri atas:

Remeasurement of defined benefit liabilities (assets) net, which is recognized as other comprehensive income consist of:

(i) Keuntungan dan kerugian actuarial (ii) Imbal hasil atas aset program, tidak termasuk jumlah yang dimasukkan dalam bunga neto atas liabilitas (aset). (iii) Setiap perubahan dampak batas aset, tidak termasuk jumlah yang dimasukkan dalam bunga neto atas liabilitas (aset).

(i) Actuarial gain and losses. (ii) Return on plan assets, excluding amounts that is included in net interest on liabilities (assets). (iii) The effect of the asset ceiling, excluding amounts included in the net interest of liabilities (assets).

Pengukuran kembali atas liabilitas (aset) imbalan pasti neto, yang diakui sebagai

Remeasurement of defined benefit liabilities (assets) - net, which is recognized as other PT Bank Syariah Bukopin Annual Report 2016


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2.

KEBIJAKAN AKUNTANSI (lanjutan) u. Imbalan Pasca Kerja (lanjutan)

v.

32 |

2.

ACCOUNTING POLICIES (continued) u. Post-Employment Benefits (continued)

penghasilan komprehensif lain tidak direklasifikasi ke laba rugi pada periode berikutnya.

comprehensive income is not reclassified to profit or loss in the subsequent periods.

Untuk imbalan kerja jangka panjang lain atas biaya jasa kini, biaya bunga neto atas liabilitas (aset) imbalan pasti neto, dan pengukuran kembali liabilitas (aset) imbalan pasti neto langsung diakui pada laporan laba rugi dan penghasilan komprehensif lain tahun berjalan.

For other long-term employee benefits: current service cost, net interest expense of net defined benefit assets liabilities (assets), and remeasurement of liability (asset) is recognized immediately in the current year statement of profit or loss and other comprehensive income.

Biaya jasa lalu diakui sebagai beban pada tanggal yang lebih awal antara ketika amandemen atau kurtailmen program terjadi, dan ketika biaya restrukturisasi atau pesangon diakui, sehingga biaya jasa lalu yang belum vested tidak lagi dapat ditangguhkan dan diakui selama periode vesting masa depan.

Past service costs are recognized as expense at the earlier date between the amendments or curtailment program occurs, and when the costs of restructuring or severance is recognized, therefore, unvested past service cost can no longer be deferred and recognized over the future vesting period.

Pajak Penghasilan

v.

Income Tax

Efektif sejak tanggal 1 Januari 2015, Bank menerapkan PSAK No. 46 (Revisi 2014), ”Pajak Penghasilan”. Penerapan PSAK ini tidak menimbulkan perubahan yang besar terhadap pelaporan keuangan dan pengungkapan dalam laporan keuangan.

Effective from January 1, 2015, Bank adopted SFAS No. 46 (Revised 2014), "Income Taxes". The adoption of the SFAS has no significant impact on the financial reporting and disclosures in the financial statement.

Beban pajak tahun berjalan ditetapkan berdasarkan taksiran penghasilan kena pajak tahun berjalan. Aset dan liabilitas pajak tangguhan diakui atas perbedaan temporer aset dan liabilitas antara pelaporan komersial dan pajak pada setiap tanggal pelaporan.

Current tax expense is provided based on the estimated taxable income for the current year. Deferred tax assets and liabilities are recognized for temporary differences between the financial and the tax bases of assets and liabilities at each reporting date.

Aset pajak tangguhan diakui untuk seluruh perbedaan temporer yang boleh dikurangkan dan saldo rugi fiskal yang belum dikompensasikan, sepanjang perbedaan temporer dan rugi fiskal yang belum dikompensasikan tersebut dapat dimanfaatkan untuk mengurangi laba fiskal pada masa yang akan datang.

Deferred tax assets are recognized for all deductible temporary differences and carry forward of uncompensated tax losses to the extent that it is probable for temporary differences and carry forward of uncompensated tax losses to be utilized in deducting future taxable profit.

Jumlah tercatat aset pajak tangguhan ditelaah pada setiap tanggal posisi keuangan dan nilai tercatat aset pajak tangguhan tersebut diturunkan apabila tidak lagi terdapat kemungkinan besar bahwa laba fiskal yang memadai akan tersedia untuk mengkompensasi sebagian atau semua manfaat aset pajak tangguhan.

The carrying amount of deferred tax assets is reviewed at each reporting date and is reduced when it is no longer probable that sufficient taxable profits will be available to compensate part or all of the benefit of the deferred tax assets.

Perubahan terhadap liabilitas pajak diakui pada saat surat ketetapan pajak diterima, atau apabila diajukan keberatan dan atau banding oleh Bank, pada saat telah ada keputusan atas banding dan atau keberatan tersebut.

Amendment to tax obligation is recorded when an assessment letter is received or, if objected to or appealed against by the Bank, when the result of such appeal or objection is determined.



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2.

KEBIJAKAN AKUNTANSI (lanjutan) v.

2.

Pajak Penghasilan (lanjutan)

ACCOUNTING POLICIES (continued) v.

Income Tax (continued)

Aset dan liabilitas atas pajak tangguhan dan pajak kini dapat saling hapus apabila terdapat hak yang berkekuatan hukum untuk melakukan saling hapus.

Assets and liabilities on deferred tax and current tax can be offset if there is a legal enforceable right to offset.

Aset dan liabilitas pajak tangguhan diukur berdasarkan tarif pajak yang akan berlaku pada tahun saat aset direalisasikan atau liabilitas diselesaikan berdasarkan peraturan perpajakan yang berlaku atau yang telah secara substantif telah diberlakukan pada tanggal laporan posisi keuangan. Pengaruh pajak terkait dengan penyisihan untuk dan/atau pembalikan seluruh perbedaan temporer selama tahun berjalan, termasuk pengaruh perubahan tarif pajak, diakui sebagai “Manfaat/(Beban) Pajak Penghasilan” dan termasuk dalam laba atau rugi neto tahun berjalan, kecuali untuk transaksi-transaksi yang sebelumnya telah langsung dibebankan ke laba komprehensif lainnya dan dilaporkan ke ekuitas.

Deferred tax assets and liabilities are measured at the tax rates that are expected to apply to the year when the asset is realized or the liability is settled based on tax laws that have been enacted or substantively enacted as at statement of financial position reporting date. The related tax effects of the provisions for and/or reversals of all temporary differences during the year, including the effect of change in tax rates, are recognized as “Income Tax Benefit/(Expense)” and included in of net profit or loss for the year, except to the extent that they relate to items previously charged to other comprehensive income and reported to equity.

w. Pertimbangan dan yang Signifikan

Estimasi

Akuntansi

w. Significant Accounting Judgment Estimates

Dalam proses penerapan kebijakan akuntansi Bank, manajemen telah melakukan pertimbangan profesional dan estimasi dalam menentukan jumlah yang diakui dalam laporan keuangan. Beberapa pertimbangan profesional dan estimasi yang signifikan adalah sebagai berikut:

In the process of applying the Bank’s accounting policies, management has exercised professional judgement and estimates in determining the amounts recognized in the financial statements. Several significant uses of the professional judgment and estimates are as follows:

1) Usaha yang berkelanjutan

1) Going concern

Manajemen Bank telah melakukan penilaian atas kemampuan Bank untuk melanjutkan kelangsungan usahanya dan berkeyakinan bahwa Bank memiliki sumber daya untuk melanjutkan kelangsungan usahanya. Oleh karena itu, laporan keuangan telah disusun atas dasar usaha yang berkelanjutan. 2) Penurunan nilai aset Bank menelaah kualitas aset pada setiap tanggal laporan posisi keuangan untuk menilai apakah penurunan nilai harus dicatat dalam laporan laba rugi komprehensif. Dalam menentukan apakah penurunan nilai harus dibentuk dalam laporan laba rugi komprehensif, Bank membuat estimasi penilaian apakah terdapat indikasi penurunan kualitas aset Estimasi tersebut didasarkan pada asumsi dari sejumlah faktor dan hasil akhirnya. mungkin berbeda, yang mengakibatkan perubahan di masa mendatang atas cadangan penurunan nilai.

The Bank’s management has made an assessment of the Bank’s ability to continue as a going concern and is satisfied that the Bank has the resources to continue its business for the foreseeable future. Therefore, the financial statements continue to be prepared on the going concern basis. 2) Impairment of Assets The Bank reviews its quality of assets at each statement of financial position date to assess whether an impairment loss should be recorded in the statement of profit and loss and other comprehensive income. In determining whether an impairment loss should be recorded in comprehensive income, Bank made estimation whether there is any indication of impairment in the quality of the assets. These estimates are based on assumptions about a number of factors and actual results may differ, resulting in future changes to the allowance.



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2.

KEBIJAKAN AKUNTANSI (lanjutan) w. Pertimbangan dan Estimasi yang Signifikan (lanjutan)

2. Akuntansi

3) Nilai wajar instrumen keuangan Bila nilai wajar aset keuangan dan liabilitas keuangan yang tercatat pada laporan posisi keuangan tidak tersedia di pasar aktif, nilainya ditentukan dengan menggunakan berbagai teknik penilaian termasuk penggunaan model matematika. Masukan (input) untuk model ini berasal dari data pasar yang bisa diamati sepanjang data tersebut tersedia. Bila data pasar yang bisa diamati tersebut tidak tersedia, pertimbangan manajemen diperlukan untuk menentukan nilai wajar. Pertimbangan manajemen tersebut mencakup pertimbangan likuiditas dan masukan model seperti tingkat diskonto, tingkat pelunasan dipercepat dan asumsi tingkat gagal bayar. 4) Aset pajak tangguhan Aset pajak tangguhan diakui atas jumlah pajak penghasilan terpulihkan (recoverable) pada periode mendatang sebagai akibat perbedaan temporer yang boleh dikurangkan. Justifikasi manajemen diperlukan untuk menentukan jumlah aset pajak tangguhan yang dapat diakui, sesuai dengan waktu yang tepat dan tingkat laba fiskal di masa mendatang sejalan dengan strategi rencana perpajakan ke depan. 5) Cadangan imbalan kerja karyawan Cadangan imbalan kerja karyawan ditentukan berdasarkan perhitungan dari aktuaria. Perhitungan aktuaria menggunakan asumsi-asumsi seperti tingkat diskonto, tingkat pengembalian investasi, tingkat kenaikan gaji, tingkat kematian, tingkat pengunduran diri dan lainlain. Karena imbalan kerja tersebut memiliki sifat jangka panjang, maka perkiraan tersebut memiliki ketidakpastian yang signifikan. 6) Umur ekonomis aset tetap Manajemen Bank memperkirakan masa manfaat aset tetap berdasarkan periode dimana aset diharapkan akan tersedia untuk digunakan. Masa manfaat ekonomis aset tetap ditinjau secara berkala dan diperbaharui jika memiliki ekspektasi yang berbeda dari perkiraan sebelumnya, karena kerusakan secara fisik dan teknis, atau keusangan secara komersial dan legal atau batasan lainnya atas penggunaan aset tersebut tetap dimungkinkan, bahwa hasil masa depan dapat secara material

34 |

ACCOUNTING POLICIES (continued) w. Significant Accounting Judgment Estimates (continued) 3) Fair value of financial instrument When the fair values of financial assets and financial liabilities recorded on the statement of financial position are not available in active markets, they are determined using a variety of valuation techniques that include the use of mathematical models. The inputs to these models are derived from observable market data where possible, but when observable market data are not available, management’s judgment is required to establish fair values. The management’s judgments include considerations of liquidity and model inputs such as discount rates, early payment rates and default rate assumptions. 4) Deferred tax assets Deferred tax assets are recognized for the recoverable taxable income arising from deductible temporary difference. Management’s judgement is required to determine the amount of deferred tax assets that can be recognized, based upon the likely tiing on level of future taxable profits together with future tax planning strategics. 5) Allowance for employee benefits Allowance for employee benefits is determined based on actuarial calculations. Actuarial calculations using assumptions such as discount rates, investment returns, salary increase rate, mortality rate, the level of resignation and others. Due to the longterm nature of these employee benefits, such estimates are subject to significant uncertainty.

6) Useful lives of fixed assets The Management of the Bank estimate the useful lives of fixed assets and software based on the period over which the assets are expected to be available for use. The useful life of each item is reviewed periodically and updated if expectations differ from previous estimates due to physical and technical or commercial obsolescence and legal or other limits on the used of the asset it is possible, that future results of operations could be materially affected by changes in the



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2.

KEBIJAKAN AKUNTANSI (lanjutan) w. Pertimbangan dan Estimasi yang Signifikan (lanjutan)

x.

2.

ACCOUNTING POLICIES (continued)

Akuntansi

w. Significant Accounting Judgment Estimates (continued)

dipengaruhi oleh perubahan estimasi yang disebabkan oleh perubahan faktor-faktor tersebut diatas. Jumlah dan saat pencatatan biaya untuk setiap periode akan dipengaruhi oleh perubahan dari faktor dan keadaan saat pencatatan. Pengurangan dari taksiran masa depan dari aset tetap akan meningkatkan beban usaha.

estimation due to changes in the factors mentioned above. The amount and timing of recorded expenses for each period will be affected by changes of other factors and condition when recorded. Decrease of estimated useful life of fixed assets and software will increase operating expenses.

Perubahan atas kebijakan akuntansi dan pengungkapan

x.

Changes in disclosures

accounting

policy

and

Sejak tanggal 1 Januari 2016, Bank telah menerapkan beberapa standar dan interpretasi baru atau revisi yang relevan dengan operasi Bank yang berlaku efektif sejak tanggal tersebut yaitu sebagai berikut:

Since January 1, 2016 the Bank has adopted several new standard and interpretation or revision which relevant with the Bank operation, which effective since that date as follows:

x

Amandemen PSAK No. 16 “Aset Tetap, terkait Klarifikasi Metode yang Diterima untuk Penyusutan dan Amortisasi”

x

Amendment SFAS No. 16 ”Fixed Assets, Related to Clarification of Acceptable Method for Depreciation and Amortization”

x

Amandemen PSAK No. 19 “Aset Tak berwujud, Terkait Klarifikasi Metode yang Diterima untuk Penyusutan dan Amortisasi”

x

Amendment SFAS No. 19 “Intangible Assets, related to clarification of acceptable method for depreciation and amortization

x

Amandemen PSAK No. 24 “Imbalan Kerja tentang Program Imbalan Pasti: Iuran Pekerja”

x

Amendment SFAS 24 “Employee Benefit: Defined Contribution Plans ”

x

PSAK No. 7 (Penyesuaian 2015) “Pengungkapan Pihak-pihak Berelasi”.

x

SFAS No. 7 (Improvement 2015) “Related Party Disclosure”

x

PSAK No. 16 (Penyesuaian 2015) “Aset Tetap”

x

SFAS No. 16 (Improvement 2015) “Fixed Assets”

x

PSAK No. 19 (Penyesuaian 2015) “Aset Tak berwujud”

x

SFAS No. 19 (Improvement “Intangible Assets”

x

SFAS No. 25 (Improvement 2015) “Accounting Policy, Change in Accounting Estimate and Error”

x

SFAS No. 68 (Improvement 2015) “Fair Value Measurement”

x

SFAS No. 110 (Revised 2015) “Accounting For Sukuk”

x

x x

PSAK No. 25 (Penyesuaian 2015) “Kebijakan Akuntansi, Perubahan Estimasi Akuntansi dan Kesalahan”. PSAK No. 68 (Penyesuaian “Pengukuran Nilai Wajar”

2015)

PSAK No. 110 (Revisi 2015) “Akuntansi Sukuk”

Tidak terdapat dampak yang material dari standard dan interpretasi yang berlaku efektif pada 1 Januari 2016 terhadap laporan keuangan Bank.

2015)

There is no material impact on the Bank financial statement from standards and interpretations which effective since January 1, 2016.



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3.

GIRO DAN INDONESIA

PENEMPATAN

PADA

BANK

3.

This account consist of:

Akun ini terdiri dari 31 Desember/ December 31, 2016 Giro wadiah Fasilitas Simpanan Bank Indonesia Syariah Sertifikat Bank Indonesia Syariah Jumlah

4.

31 Desember/ December 31, 2015

249.995.026.916

221.811.748.030

1.272.600.000.000 -

621.800.000.000 50.000.000.000

Wadiah demand deposits Bank Indonesia Sharia Deposits Facilities Bank Indonesia sharia Certificates

1.522.595.026.916

893.611.748.030

Total

Sesuai dengan Peraturan Bank Indonesia No.15/16/PBI/2013 tanggal 24 Desember 2013, setiap Bank diwajibkan memelihara Giro Wajib Minimum (GWM) dalam Rupiah dan Valuta Asing di Bank Indonesia yang besarnya ditetapkan sebesar 5% dan 1% dari dana pihak ketiga dalam Rupiah dan Valuta asing.

Based on Bank Indonesia Regulation No.15/16/PBI/2013 dated December 24, 2013 each bank is required to maintain Minimum Statutory Reserve Requirements (GWM) in Rupiah and Foreign Currencies in Bank Indonesia equivalent to 5% and 1% its third party funds denominated in Rupiah and Foreign Currencies.

GWM Bank pada tanggal 31 Desember 2016 dan 2015 masing-masing sebesar 5,02% dan 5,012%.

Statutory Reserves of the Bank on December 31, 2016 and 2015 respectively 5.02% and 5.012%

Bank menempatkan dana pada Fasilitas Bank Indonesia Syariah (FASBIS) dengan memperoleh imbalan per tahun untuk tahun 2016 dan 2015 masing-masing berkisar rata-rata 4,0% dan 5,5% yang diakui pada saat jatuh tempo.

Bank placed funds in Bank Indonesia Sharia Facility (FASBIS) by obtaining return per year for 2016 and 2015 respectively ranged from 4.0% and 5.5%, which were recognized at maturity.

PENEMPATAN PADA BANK LAIN

4. 2016

PLACEMENTS WITH OTHER BANKS 2015

Pihak Ketiga Bank Umum Syariah: BPRS PT Bank Syariah Mandiri PT Bank Muamalat Indonesia

4.409.201.377 20.622.895 -

29.069.155.582 20.714.161 30.000

Third parties Sharia Commercial Bank: BPRS PT Bank Syariah Mandiri PT Bank Muamalat Indonesia

Jumlah

4.429.824.272

29.089.899.743

Total

4.769.494.425

5.278.494.990

51.794.437

51.794.437

10.075.000 3.359.686

6.877.686

1.536.051 1.300.635 1.005.170

2.358.050 1.152.136 1.005.171

-

520.544

Non Sharia Banks: PT Bank Central Asia PT Bank Rakyat Indonesia (Persero) Tbk PT Bank Negara Indonesia (Persero) Tbk PT Bank Danamon Tbk PT Bank Internasional Indonesia Tbk PT Bank Nagari PT Bank Mandiri (Persero) Tbk PT Bank Tabungan Negara (Persero) Tbk

4.838.565.404

5.342.203.014

Total

Bank Non Syariah: PT Bank Central Asia PT Bank Rakyat Indonesia (Persero) Tbk PT Bank Negara Indonesia (Persero) Tbk PT Bank Danamon Tbk PT Bank Internasional Indonesia Tbk PT Bank Nagari PT Bank Mandiri (Persero) Tbk PT Bank Tabungan Negara (Persero) Tbk Jumlah

36 |

CURRENT ACCOUNTS AND PLACEMENTS WITH BANK INDONESIA



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4.

PENEMPATAN PADA BANK LAIN (lanjutan) 2016

Jumlah pihak ketiga

9.268.389.676

4.

PLACEMENTS WITH OTHER BANKS (continued) 2015

34.432.102.757

Total third parties Related paties (Note 32) Non Sharia Bank PT Bank Bukopin Tbk

Pihak berelasi (Catatan 32) Bank Non Syariah PT. Bank Bukopin Tbk

253.911.497.137

239.440.536.946

Jumlah giro pada bank lain Cadangan kerugian penurunan nilai

263.179.886.813 (2.672.528.765)

273.872.639.703 (2.881.912.794)

Bersih

260.507.358.048

270.990.726.909

Perubahan cadangan kerugian penurunan nilai penempatan pada bank lain adalah sebagai berikut: 2016 Saldo awal tahun Cadangan (pembalikan) selama tahun berjalan Pemulihan selama tahun berjalan

2.881.912.794

Saldo akhir tahun

2.672.528.765

(209.384.029)

Total current accounts Allowance for impairment losses Net

The movement of allowance for impairment losses on placements with other banks are as follows: 2015 2.858.352.474 51.060.320 (27.500.000) 2.881.912.794

Beginning balance Provision (reversal) during current year Recovery during the year Balance at end of year

Berdasarkan hasil penelaahan dan evaluasi manajemen Bank, kolektibilitas atas penempatan pada bank lain pada tanggal 31 Desember 2016 dan 2015, digolongkan lancar. Manajemen Bank berpendapat bahwa jumlah cadangan kerugian penurunan nilai pada tanggal 31 Desember 2016 dan 2015 telah memadai.

Based on review and evaluation of Bank management, collectibility over placements with other banks on December 31, 2016 and 2015, were categorized as current. Management believe that allowance for impairment losses as of December 31, 2016 and 2015 were adequate.

Pendapatan jasa giro yang diterima dari giro pada bank non-syariah dicatat sebagai dana kebajikan (Catatan 20).

Interest income received from current accounts with non-sharia banks were recorded as Al-Qardhul Hasan (Note 20).

Bagi hasil deposito berjangka berkisar antara 4,81% sampai dengan 5,12% per tahun untuk tahun 2016 dan berkisar antara 6,10% sampai dengan 6,50% per tahun 2015.

Profit sharing of time deposits was in range between 4.81% to 5.12% per year in 2016 and in range between 6.10% to 6.50% per year in 2015.

Penempatan pada bank lain berdasarkan sisa umur jatuh tempo sebelum dikurangi cadangan kerugian penurunan nilai adalah sebagai berikut:

Placements with other banks based on remaining of maturity date before deducted with allowance for impairment losses are as follows:

2016

2015

Kurang dari 1 bulan

258.770.685.435

244.782.739.960

Less than 1 month

Jumlah

258.770.685.435

244.782.739.960

Total



| 37 06/04/2017 20:54:50






5.

INVESTASI PADA SURAT BERHARGA a)

5.

Berdasarkan tujuan:

a) By purpose: 2016

Harga Perolehan: Surat Utang Negara Republik Indonesia Sukuk PT Indosat Tbk Sukuk II PT Bank Muamalat Indonesia Tbk Sukuk I PT Bank Muamalat Indonesia Tbk Sukuk PT Adira Dinamika Multi Finance Tbk Jumlah Jumlah investasi pada surat berharga Cadangan kerugian penurunang nilai Bersih

INVESTMENT IN MARKETABLE SECURITIES

2015 Acquisition cost:

54.511.694.709 30.000.000.000

54.409.668.669 30.000.000.000

-

10.000.000.000

Government Debentures Portofolio PT Indosat Tbk - Sukuk PT Bank Muamalat Indonesia Tbk Sukuk II PT Bank Muamalat Indonesia Tbk Sukuk I PT Adira Dinamika Multi Finance Tbk - Sukuk

20.000.000.000

20.000.000.000

10.000.000.000

10.000.000.000

60.000.000.000

70.000.000.000

Total

114.511.694.709

124.409.668.669

Total investment in marketable securities

(600.000.000) 113.911.694.709

b) Berdasarkan Kolektibilitas:

(700.000.000) 123.709.668.669

Berdasarkan Sisa Umur Jatuh Tempo:

2016 Kurang dari 1 tahun Lebih dari 1 – 5 tahun Lebih dari 5 – 10 tahun Jumlah Cadangan kerugian penurunan nilai Bersih

38 |

Net

b) By collectibility: On December 31, 2016 and 2015, all investment in marketable securities were classified as “Current”

Pada tanggal 31 Desember 2016 dan 2015, seluruh investasi pada surat berharga diklasifikasikan “Lancar”.

c)

Allowance for impairment losses

c)

By remaining period to maturity:

2015

50.000.000.000 64.511.694.709

10.000.000.000 60.000.000.000 54.409.668.669

Less than 1 year More than 1-5 years More than 5-10 years

114.511.694.709

124.409.668.669

Total

(600.000.000) 113.911.694.709

(700.000.000) 123.709.668.669

Allowance for impairment Losses Net



06/04/2017 20:54:50






5.

INVESTASI PADA SURAT BERHARGA (lanjutan)

5.

d) Berdasarkan penerbit :

d) By issuer:

Tingkat Bagi Hasil Per Tahun/ Annual Revenue Sharing Rate (%) Dimiliki hingga Jatuh tempo /Acquired until maturity date Surat Utang Negara RI PBS 004 PBS 005 Sukuk Korporasi: Sukuk PT Indosat Sukuk I PT Bank Muamalat Indonesia Tbk Sukuk II PT Bank Muamalat Indonesia Tbk Sukuk PT Adira Dinamika Multi Finance Tbk

INVESTMENT IN MARKETABLE SECURITIES (continued)

Tanggal Jatuh Tempo/ Maturity Date

Peringkat *)/ Rating 2016

31 Desember/ December 31

2015

2016

2015

21.459.952.254 33.051.742.455

21.368.654.864 33.041.013.805

6,10% 6,75%

15-02-2037 15-04-2043

8,625%

27-06-2019

idAA+(sy)

idAA+(sy)

30.000.000.000

30.000.000.000

10,125%

29-06-2022

idAA+(sy)

idAA+(sy)

10.000.000.000

10.000.000.000

9,6%

28-03-2023

idAA+(sy)

idAA+(sy)

20.000.000.000

20.000.000.000

7,85%

01-03-2016

idAA+(sy)

idAA+(sy)

Jumlah/Total Cadangan kerugian penurunan nilai/ Allowance for Impairment losses Jumlah / Total Surat Berharga / Marketable securities

-

10.000.000.000

114.511.694.709

124.409.668.669

(600.000.000 )

(700.000.000)

113.911.694.709

123.709.668.669

*) Berdasarkan peringkat yang diterbitkan oleh PT Pemeringkat Efek Indonesia (Pefindo).

Perubahan cadangan kerugian penurunan nilai investasi surat berharga

e)

Perubahan cadangan kerugian penuruanan nilai surat berharga adalah sebagai berikut:

2016 Saldo awal tahun Cadangan (pembalikan) selama tahun berjalan Saldo akhir tahun

700.000.000 (100.000.000) 600.000.000

Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai investasi pada surat berharga adalah cukup untuk menutupi kemungkinan kerugian yang mungkin timbul akibat tidak tertagihnya investasi pada surat berharga, serta telah memenuhi ketentuan dari Otoritas Jasa Keuangan.

e)

The movement of allowance for impairment losses on investment in marketable securities The movements of the allowance impairment losses on investments marketable securities are as follows: 2015 700.000.000 -

Beginning balance Allowance (reversal) during the year

700.000.000

Balance at end of year

Management believes that the allowance for impairment losses is adequate to cover possible losses that might arise from uncollectible securities, also complied with the regulation issued by Financial Services Authority.



for in

| 39 06/04/2017 20:54:51






6.

PIUTANG a.

6.

Berdasarkan jenis:

RECEIVABLES a.

By type:

2016 Dalam Perhatian Khusus/ Special Mention

Lancar/ Current

Kurang Lancar/ Substandard

Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

Pihak Ketiga Murabahah Istishna

1.949.272.390.062 7.104.947.722

206.512.943.323 58.854.857.769 -

3.000.979.226 -

31.955.604.981 -

2.249.596.775.361 7.104.947.722

Third Parties Murabahah Istishna

Jumlah

1.956.377.337.784

206.512.943.323 58.854.857.769

3.000.979.226

31.955.604.981

2.256.701.723.083

Total

Pihak Berelasi Murabahah

19.311.405.899

-

-

-

-

19.311.405.899

Related Parties Murabahah

Jumlah

19.311.405.899

-

-

-

-

19.311.405.899

Total

206.512.943.323 58.854.857.769

3.000.979.226

31.955.604.981

2.276.013.128.982

Total Receivables

(5.139.534.779)

(51.895.758.671)


26.816.070.202

2.224.117.370.311

Total

Jumlah Piutang Cadangan kerugian penurunan nilai Nilai bersih

1.975.688.743.683

(18.755.707.195) (27.640.792.112) 1.956.933.036.488

(225.995.352)

178.872.151.211 58.628.862.417

(133.729.233) 2.867.249.993

2015 Dalam Perhatian KhususI Special Mention

Lancar/ Current

Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

Pihak Ketiga Murabahah Istishna

1.901.871.033.140 9.886.628.794

236.058.487.949 38.750.141.819 -

2.539.136.779 -

25.062.280.305 -

2.204.281.079.992 9.886.628.794

Third Parties Murabahah Istishna

Jumlah

1.911.757.661.934

236.058.487.949 38.750.141.819

2.539.136.779

25.062.280.305

2.214.167.708.786

Total

-

-

20.363.648.099 198.097.154

Related Parties Murabahah Istishna

20.561.745.253

Total

25.062.280.305

2.234.729.454.039

Total Receivables

(2.377.274.718)

(36.257.898.062)


22.685.005.587

2.198.471.555.977

Total

Pihak Berelasi Murabahah Istishna

20.363.648.099 198.097.154

-

Jumlah

20.561.745.253

-

Jumlah Piutang Cadangan kerugian penurunan nilai Nilai bersih

b.


1.932.319.407.187

236.058.487.949 38.750.141.819

(9.243.211.021) (24.148.851.197) 1.923.076.196.166

-

2.539.136.779

(349.653.014)

211.909.636.752 38.400.488.805

(138.908.112) 2.400.228.667

Berdasarkan sektor ekonomi:

b.

By economic sector:

2016

Lancar/ Current Pihak Ketiga Pertanian Pertambangan Manufaktur Tenaga listrik Konstruksi Perdagangan Transportasi Jasa dunia usaha Jasa sosial Lain-lain Jumlah

40 |

Dalam Perhatian KhususI Special Mention


Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

3.357.858.345 2.786.287.752 336.193.686 80.707.778.774 3.734.316.850 8.210.726.060 8.041.419.424 8.851.032.092 353.660.029.419 12.211.406.996 44.429.264.521 107.051.774.410 288.955.221.865 66.100.819.533 298.241.679.918 3.323.144.468 867.987.071.706 4.904.255.288

352.974.989 38.573.006.319 5.010.636.184 9.473.570.096 5.444.670.181

313.399.949 678.637.393 371.000.000 855.454.534 782.487.350

88.933.581 622.509.382 1.022.926.957 7.645.575.839 3.767.217.681 8.153.685.367 1.132.983.185 9.521.772.989

3.760.191.875 3.122.481.438 86.096.217.388 8.210.726.060 17.915.378.473 412.461.018.573 161.114.347.330 372.683.296.861 302.697.807.571 888.640.257.514

Third Parties Agriculture Mining Manufacture Electric Power Construction Trading Transportation Business Services Social Services Others

1.956.377.337.784 206.512.943.323

58.854.857.769

3.000.979.226

31.955.604.981

2.256.701.723.083

Total



06/04/2017 20:54:51






6.

PIUTANG (lanjutan) b.

6.

Berdasarkan sektor ekonomi (lanjutan):

RECEIVABLES (continued) b.

By economic sector (continued):

2016

Lancar/ Current Pihak Berelasi: Konstruksi Jasa sosial Lain-lain Jumlah Jumlah Piutang Cadangan kerugian penurunan nilai Bersih


Macet/ Loss

-

-

-

-

19.311.405.899

Total

3.000.979.226

31.955.604.981

2.276.013.128.982

Total Receivables

(5.139.534.779)

(51.895.758.671)


26.816.070.202

2.224.117.370.311

Net

(225.995.352)

178.872.151.211 58.628.862.417

(133.729.233) 2.867.249.993

-

Related parties Construction Social Services Others

206.512.943.323 58.854.857.769

(18.755.707.195) (27.640.792.112)

-

Jumlah/ Total

-

19.311.405.899

1.956.933.036.488

Diragukan/ Doubtful

-

3.078.966.596 13.329.628.985 2.902.810.318

1.975.688.743.683


3.078.966 13.329.628.985 2.902.810.318

2015

Lancar/ Current Pihak Ketiga Pertanian Pertambangan Manufaktur Tenaga listrik Konstruksi Perdagangan Transportasi Jasa dunia usaha Jasa sosial Lain-lain Jumlah


Diragukan/ Doubtful

8.484.167.833 5.977.524.376 5.377.550.362 15.164.128.513 121.166.418 3.625.604.317

225.740.826 533.709.360 97.139.901 1.682.546.692

149.756.058 669.632.468 533.369.060 457.106.077 4.322.285.609 226.629.315 9.290.975.060 855.137.179 8.557.389.479

3.587.911.798 6.651.789.895 78.768.829.722 13.368.070.791 20.306.677.090 389.333.616.775 158.901.457.761 306.723.650.452 296.614.146.523 939.911.557.979

236.058.487.949 38.750.141.819

2.539.136.779

25.062.280.305

2.214.167.708.786

Total

1.011.180.485 2.426.975.255 5.982.157.427 77.457.926.744 777.533.918 13.368.070.791 10.431.998.163 933.405.017 325.636.662.307 53.171.403.657 39.107.944.922 113.655.623.802 224.978.432.314 57.192.974.664 294.335.218.477 1.302.624.449 918.032.275.534 8.013.741.957 1.911.757.661.934

Macet/ Loss

Jumlah/ Total Third Parties Agriculture Mining Manufacture Electric Power Construction Trading Transportation Business Services Social Services Others

Pihak Berelasi: Konstruksi Perdagangan Transportasi Jasa dunia usaha Jasa sosial Lain-lain

2.891.969.610 32.539.316 198.097.154 57.942.499 14.815.093.595 2.566.103.079

-

-

-

-

2.891.969.610 32.539.316 198.097.154 57.942.499 14.815.093.595 2.566.103.079

Related parties Construction Trading Transportation Business Services Social Services Others

Jumlah

20.561.745.253

-

-

-

-

20.561.745.253

Total

236.058.487.949 38.750.141.819

2.539.136.779

25.062.280.305

2.234.729.454.039

Total Receivables

(2.377.274.718)

(36.257.898.062)


22.685.005.587

2.198.471.555.977

Net

Jumlah Piutang Cadangan kerugian penurunan nilai Bersih

c.


1.932.319.407.187

(9.243.211.021) (24.148.851.197) 1.923.076.196.166

(349.653.014)

211.909.636.752 38.400.488.805

Berdasarkan jangka waktu:

(138.908.112) 2.400.228.667

c. 2016

By period: 2015

Pihak Ketiga Kurang dari 1 tahun 1 - 2 tahun Lebih dari 2 - 5 tahun Lebih dari 5 tahun

694.627.356 21.473.296.845 531.976.643.065 1.702.557.155.817

173.104.045 25.864.307.594 485.883.575.988 1.702.246.721.159

Third parties Less than 1 year 1 – 2 years More than 2 – 5 years More than 5 years

Jumlah

2.256.701.723.083

2.214.167.708.786

Total



| 41 06/04/2017 20:54:51






6.

PIUTANG (lanjutan) c.

6.

Berdasarkan jangka waktu (lanjutan):

RECEIVABLES (continued) c.

2016

d.

2015

Pihak Berelasi (Catatan 32) Kurang dari 1 – 2 tahun Lebih dari 2 - 5 tahun Lebih dari 5 tahun

1.954.549.684 3.758.896.016 13.597.960.199

13.191.669 4.924.876.217 15.623.677.367

Related parties (Note 32) Less than 1 year More than 2 – 5 years More than 5 years

Jumlah

19.311.405.899

20.561.745.253

Total

Jumlah Piutang Cadangan kerugian penurunan nilai

2.276.013.128.982

2.234.729.454.039

Total Receivables

Bersih

2.224.117.370.311

(51.895.758.671)

Berdasarkan sisa umur jatuh tempo:

(36.257.898.062)


d.

Net

By remaining period to maturity: 2015

44.389.066.741 142.006.320.642 981.758.309.865 1.088.548.025.835

40.311.499.653 73.849.948.250 744.317.025.893 1.355.689.234.990


2.256.701.723.083

2.214.167.708.786

Total

965.742.763 1.950.233.011 6.576.897.860 9.818.532.265

198.097.154 2.995.643.094 6.576.023.219 10.791.981.786

Third parties (Note 32) Less than 1 year 1 – 2 years More than 2 – 5 years More than 5 years

19.311.405.899

20.561.745.253

Total


2.276.013.128.982

2.234.729.454.039

Total Receivables

Bersih

2.224.117.370.311

Jumlah Pihak Berelasi (Catatan 32) Kurang dari 1 tahun 1 - 2 tahun Lebih dari 2 - 5 tahun Lebih dari 5 tahun Jumlah

(51.895.758.671)

Berdasarkan Keterkaitan:

Pihak Ketiga Murabahah Istishna Jumlah Pihak Berelasi (Catatan 32) Murabahah MPKU Dan PSPDM Kota Surakarta PT Mitra Data Sarana PT Mitra Usaha Sarana

(36.257.898.062) 2.198.471.555.977

e. 2016

42 |


2.198.471.555.977

2016

e.

By period (continued):

Net

By relationship: 2015

2.249.596.775.361 7.104.947.722

2.204.281.079.992 9.886.628.794

2.256.701.723.083

2.214.167.708.786

9.396.414.912 3.762.859.003 3.078.966.596

Allowance for impaiment losses

10.214.034.484 4.601.059.111 2.891.969.610

Third parties Murabahah Istishna Total Related parties (Note 32) Murabahah MPKU dan PSPDM City of Surakarta PT Mitra Data Sarana PT Mitra Usaha Sarana



06/04/2017 20:54:51






6.

PIUTANG (lanjutan) e.

6.

Berdasarkan Keterkaitan (lanjutan):

e.

2016 Karyawan kunci Pemegang saham Dewan Pengawas Syariah

RECEIVABLES (continued) By relationship (continued):

2015

2.548.173.913 170.355.070 354.636.405

2.090.893.934 90.481.815 475.209.145

-

198.097.154

Istishna PT Mitra Data Sarana

19.311.405.899

20.561.745.253

Total


2.276.013.128.982

2.234.729.454.039

Total receivables

Bersih

2.224.117.370.311

Istishna PT Mitra Data Sarana Jumlah

(51.895.758.671)

(36.257.898.062)

Key employees Shareholders Sharia supervisory board


2.198.471.555.977

Net

Pada tanggal 31 Juli 2007, Bank telah melakukan penjualan dan pengalihan aset-aset kredit termasuk bunga kepada PT. Bank Bukopin, Tbk senilai Rp93.432.606.393

On July 31, 2007, the Bank had performed assets sales and transfer of loan including interest to PT Bank Bukopin, Tbk amounting to Rp93.432.606.393.

Pada tanggal 10 Agustus 2005, Bank telah melakukan penjualan dan pengalihan aset-aset kredit termasuk bunga kepada PT. Bank Bukopin, Tbk senilai Rp211.668.814.136 atau sampai dipenuhinya CAR (Capital Adequacy Ratio) Bank.

On August 10, 2005, the Bank had perfomed assets sales and and transfer of loan, including interest to PT Bank Bukopin, Tbk amounting to Rp211.668.814.136 or until had fulfillment the Bank's CAR (Capital Adequacy Ratio).

Hak atas Piutang dan Jaminan

Rights of Receivables and collaterals

PT. Bank Bukopin, Tbk telah membeli dan menerima hak atas piutang yang timbul dari fasilitas kredit (Asset Sales) dari Bank dengan nilai sebesar Rp226.375.286.644 dan Rp228.845.176.933 masing-masing pada tanggal 31 Desember 2016 dan 31 Desember 2015.

PT Bank Bukopin, Tbk had bought and received rights on account receivables occurred from credit facility (asset sales) of Bank for Rp226,375,286,644 and Rp228,845,176,933 on December 31, 2016 and December 31, 2015, respectively.

Bank telah menyerahkan jaminan dalam bentuk rekening giro kepada PT. Bank Bukopin Tbk sebagai penjamin pembayaran piutang, sampai dengan tanggal 31 Desember 2016 dan 31 Desember 2015 jumlah jaminan tersebut sebesar Rp226.375.286.644 dan Rp228.845.176.933.

The Bank has submitted collateral in form of demand deposits to PT Bank Bukopin, Tbk as a guarantee to cover account receivables payment, until December 31, 2016 and December 31, 2015, the amount of the collateral were, Rp226,375,286,644 and Rp228,845,176,933, respectively.

Piutang dan pembiayaan yang dijamin dengan deposito mudharabah tanggal 31 Desember 2016, Rp215.392.565.770 dan Rp125.106.838.871 pada tanggal 31 Desember 2015.

Receivables and financing which were guaranteed with mudharabah time deposits on December 31, 2016 was Rp215,392,565,770 and Rp125,106,838,871 on December 31, 2015.

Informasi penting lainnya sebagai berikut:

Other significant information as follows:



| 43 06/04/2017 20:54:52






6.

PIUTANG (lanjutan) (i)

6.

Piutang dijamin dengan agunan yang diikat dengan hak tanggungan atau surat kuasa memasang hak tanggungan atau surat kuasa untuk menjual, deposito mudharabah (Catatan 22) atau jaminan lain yang umumnya dapat diterima oleh Bank.

(i)

Receivables are collateralized by registered mortgages or power of attorney to mortgage and withdraw mudharabah time deposit (Note 22) or other guarantees generally accepted by the Bank.

(ii) Piutang kepada pihak berelasi merupakan piutang kepada MPKU dan PSPDM Kota Surakarta, PT Mitra Data Sarana, PT Mitra Usaha Sarana, Pemegang Saham dan Karyawan Kunci. Piutang untuk karyawan kunci sebesar Rp2.548.173.913 dan Rp2.090.893.934 masing-masing pada tanggal 31 Desember 2016 dan 2015 dipergunakan untuk pembelian rumah, kendaraan, dan keperluan lainnya dengan jangka waktu antara 1 (satu) sampai dengan 10 (sepuluh) tahun dan dibayar kembali melalui pemotongan gaji setiap bulan, serta dibebani margin rata-rata per tahun sebesar setara 6% pada tahun 2016 dan 2015.

(ii) Receivables to related parties is a receivable to MPKU and PSPDM city of Surakarta, PT Mitra Data Sarana, PT Mitra Usaha Sarana, Shareholders and Key Employees. Receivable for key employees were Rp2,548,173,913 and Rp2,090,893,934 as of December 31, 2016 and 2015, respectively, were used for buying house, vehicle, and other necessities with time period between 1 (one) until 10 (ten) years and paid back through each month salary deduction with interest per year average equals to 6% on 2016 and 2015.

(iii) Margin piutang murabahah dan istishna berkisar antara sebesar 12% per tahun sampai dengan 15% per tahun untuk tahun 2016 dan setara 12% per tahun sampai dengan 15% per tahun untuk tahun 2015.

(iii) Margin of murabahah receivables and istishna in range between 12% per year to 15% per year in 2016 and equal to 12% per year to 15% per year in 2015.

(iv) Rasio non performing piutang murabahah dan istishna pada tanggal 31 Desember 2016 dan 2015 sebesar 3,59% dan 2,97% dari jumlah piutang.

(iv) Ratio of non performing receivables of murabahah and istishna on December 31, 2016 and 2015 were 3.59% and 2.97% from total receivables

Ikhtisar perubahan cadangan kerugian penurunan nilai piutang murabahah dan istishna adalah sebagai berikut :

Summary of murabahah and istishna account receivables allowance for impairment losses are as follows:

2016 Saldo awal tahun Cadangan selama tahun berjalan Pemulihan selama tahun berjalan Penghapusbukuan Pengembalian hapus buku Saldo akhir tahun

2015

36.257.898.062 31.796.212.254 (15.749.835.575) (408.516.070) -

32.545.659.552 11.427.618.407 (7.250.725.194) (470.998.447) 6.343.744

51.895.758.671

36.257.898.062

Manajemen berpendapat bahwa cadangan kerugian yang dibentuk adalah cukup untuk menutup kemungkinan kerugian akibat tidak tertagihnya piutang murabahah dan istishna serta telah memenuhi ketentuan OJK.

44 |

RECEIVABLES (continued)

Beginning balance Allowance for the current year Recovery for the current year Written-offs Recovery for the written-offs Balance at end of year

Management believes that the allowance for impairment losses is adequate to cover losses that might arise from uncollectible receivables of murabahah and istishna and has complied with Financial Authority Services/OJK regulation.



06/04/2017 20:54:52






7.

PINJAMAN QARDH a.

7.

Berdasarkan jenis:

FUNDS OF QARDH a.

By type:

2016

Lancar/ current

Dalam Perhatian Khusus/ Special Mention


Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

Pihak Ketiga Konsumsi

470.456.608

-

-

-

-

470.456.608

Third parties Consumtive

Jumlah

470.456.608

-

-

-

-

470.456.608

Total

Berelasi Konsumsi

175.096.661

-

-

-

-

175.096.661

Related parties Consumtive

Jumlah

175.096.661

-

-

-

-

175.096.661

Total

Jumlah Pinjaman Qardh Cadangan kerugian penurunan nilai

645.553.269

-

-

-

-

645.553.269

(10.772.110)

-

-

-

-

(10.772.110)

Total Funds of Qardh Allowance for impairment losses

Bersih

634.781.159

-

-

-

-

634.781.159

Net

2015

Lancar/ current

b.



Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

Pihak Ketiga Konsumsi

539.772.511

-

-

-

-

539.772.511

Third parties Consumtive

Jumlah

539.772.511

-

-

-

-

539.772.511

Total

Berelasi Konsumsi

277.642.665

-

-

-

-

277.642.665

Related parties Consumtive

Jumlah

277.642.665

-

-

-

-

277.642.665

Total


817.415.176

-

-

-

-

817.415.176

-

-

-

-


Bersih

809.241.024

-

-

-

-

(8.174.152)


b.

(8.174.152) 809.241.024

Net

By economic sector:

2016

Lancar/ current



Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

Pihak Ketiga: Jasa-jasa sosial Lain-lain

470.456.608

-

-

-

-

470.456.608

Thierd Parties Social Others

Jumlah

470.456.608

-

-

-

-

470.456.608

Total

Berelasi Lain-lain

175.096.661

-

-

-

-

175.096.661

Related parties: Other

Jumlah

175.096.661

-

-

-

-

175.096.661

Total


645.553.269

-

-

-

-

645.553.269

(10.772.110)

-

-

-

-

(10.772.110)


Bersih

634.781.159

-

-

-

-

634.781.159

Net



| 45 06/04/2017 20:54:52






7.

PINJAMAN QARDH (lanjutan) b.

7.


FUNDS OF QARDH (continued) b.


2015

Lancar/ current


Diragukan/ Doubtful

-

-

-

-

539.772.511

Jumlah

539.772.511

-

-

-

-

539.772.511

Total

277.642.665

Related parties: Others

277.642.665

-

-

-

-

Thierd Parties Others

Jumlah

277.642.665

-

-

-

-

277.642.665

Total


817.415.176

-

-

-

-

817.415.176

-

-

-

-


Bersih

809.241.024

-

-

-

-

Berdasarkan perjanjian):

(8.174.152)

jangka

waktu

(sesuai

c.

(8.174.152) 809.241.024

Net

By period (according to the agreement): 2015

Pihak Ketiga Kurang dari 1 tahun 1 - 2 tahun Lebih dari 2 - 5 tahun

287.412.000 58.734.232 124.310.376

247.170.887 158.545.128 134.056.496

Third Parties Less than 1 year 1 – 2 years More than 2 – 5 years

Jumlah

470.456.608

539.772.511

Total

Pihak Berelasi (Catatan 32) Kurang dari 1 tahun 1 - 2 tahun

167.805.000 7.291.661

257.851.000 19.791.665

Related Parties (Note 32) Less than 1 year 1 – 2 years

Jumlah

175.096.661

277.642.665

Total


645.553.269

817.415.176

Total Funds of Qardh

Bersih

634.781.159

(10.772.110)

Berdasarkan sisa umur jatuh tempo: 2016

46 |

Jumlah/ Total

539.772.511

2016

d.

Macet/ Loss

Pihak Ketiga: Lain-lain

Berelasi Lain-lain

c.


(8.174.152)


809.241.024

d.

Net


Pihak Ketiga: Kurang dari 1 tahun 1 - 2 tahun Lebih dari 2 - 5 tahun

331.956.939 138.499.669 -

254.058.535 157.889.060 127.824.916

Third parties Less than 1 year 1 – 2 years More than 2 – 5 year

Jumlah

470.456.608

539.772.511

Total

Pihak Berelasi: Kurang dari 1 tahun 1 - 2 tahun

175.096.661 -

257.851.000 19.791.665

Related parties Less than 1 year 1 – 2 years

Jumlah

175.096.661

277.642.665

Total



06/04/2017 20:54:52






7.

PINJAMAN QARDH (lanjutan) d.

Berdasarkan (lanjutan):

sisa

umur

7. jatuh

tempo

FUNDS OF QARDH (continued) d. By remaining period to maturity (continued):

2016

e.

2015


645.553.269

Bersih

634.781.159

817.415.176

(10.772.110)

Berdasarkan keterkaitan:

(8.174.152)


809.241.024

e. 2016

f.


Net


Pihak Ketiga

470.456.608

539.772.511

Third parties

Pihak Berelasi (Catatan 32): Karyawan kunci

175.096.661

277.642.665

Related parties (Note 32) Key employees


645.553.269

817.415.176


Bersih

634.781.159

(10.772.110)

Informasi Penting Lainnya: (i)

(8.174.152) 809.241.024

f.

Rasio non performing pinjaman qardh pada tanggal 31 Desember 2016 dan 31 Desember 2015 adalah sebesar 0%.

Allowance for Impairment losses Net

Other Significant Information: (i)

Ratio of non performing funds of qardh on December 31, 2016 and December 31, 2015 were 0% respectively.

(ii) Pinjaman qardh dijamin dengan agunan yang diikat dengan hak tanggungan atau surat kuasa memasang hak tanggungan atau surat kuasa untuk mencairkan deposito mudharabah atau jaminan lain yang dapat diterima oleh Bank. Jumlah deposito mudharabah yang menjadi jaminan disajikan pada Catatan 22.

(ii) Funds of qardh are collateralized by registered mortgages or power of attorney to mortgage and withdraw mudharabah time deposit or other guarantees generally accepted by the Bank. Amount of mudharabah time deposit, which are collateralized are disclosed in Note 22.

(iii) Pinjaman qardh kepada pihak berelasi merupakan pinjaman kepada karyawan kunci.

(iii) Funds of qardh to related parties represent loan provided to key employees.

(iv) Ikhtisar perubahan cadangan kerugian penurunan nilai pinjaman qardh adalah sebagai berikut:

(iv) Summary of funds of qardh allowance for impairment losses are as follows:

2016 Saldo awal tahun Cadangan selama tahun berjalan Pemulihan selama tahun berjalan Saldo akhir tahun

2015

8.174.152

7.395.889

Beginning balance

2.671.709

2.839.771

Allowance during the current year

(2.061.508)

Recovery during the current year

(73.751) 10.772.110

8.174.152




| 47 06/04/2017 20:54:53






7.

PINJAMAN QARDH (lanjutan) f.

7.

Informasi Penting Lainnya (lanjutan):

f.

PEMBIAYAAN MUDHARABAH a.

Other Significant Information (continued):

Management believes that the allowance for impairment losses is adequate to cover losses that might arise from uncollectible funds of qardh and has complied with Financial Authority Service/OJK regulation.

Manajemen berpendapat bahwa cadangan kerugian penurunan nilai yang dibentuk adalah cukup untuk menutup kemungkinan kerugian akibat tidak tertagihnya pinjaman qardh serta telah memenuhi ketentuan Otoritas Jasa Keuangan.

8.

FUNDS OF QARDH (continued)

8.

Berdasarkan jenis:

MUDHARABAH FINANCING a.

By type:


Lancar/ Current


Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

Pihak Ketiga Modal kerja Investasi

294.806.309.580 45.284.865.528

1.460.220.192 -

-

-

6.818.078.557 -

303.084.608.329 45.284.865.528

Third Parties Working capital Investmetnt

Jumlah Pembiayaan

340.091.175.108

1.460.220.192

-

-

6.818.078.557

348.369.473.857

Total Financing

-

-

(4.541.118.942)

-

-

2.276.959.615

Cadangan kerugian penurunan nilai Bersih

(3.305.837.824) 336.785.337.284

(73.011.010) 1.387.209.182

(7.919.967.776) 340.449.506.081

Allowances for impairment losse Net


Lancar/ Current Pihak Ketiga Modal kerja Investasi

321.036.125.116 68.618.987.262

2.243.201.812 -

Jumlah

389.655.112.378

2.243.201.812

Pihak beralasi Modal kerja

8.643.177.600

-

Jumlah

8.643.177.600

398.298.289.978

Jumlah Pembiayaan Cadangan kerugian penurunan nilai Bersih

48 |


Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

3.287.359.615 -

4.879.831.410 -

331.446.517.953 68.618.987.262

Third Parties Working capital Investmetnt

3.287.359.615

4.879.831.410

400.065.505.215

Total

-

-

-

8.643.177.600

Related Parties Working capital

-

-

-

-

8.643.177.600

Total

2.243.201.812

-

3.287.359.615

4.879.831.410

408.708.682.815

Total Financing

-

(3.759.729.186)

(112.160.091)

-

(41.623.595)

394.538.560.792

2.131.041.721

-

3.245.736.020

(2.879.831.410) 2.000.000.000

(6.793.344.283) 401.915.338.532

Allowances for impairment losses Net



06/04/2017 20:54:53






8.

PEMBIAYAAN MUDHARABAH (lanjutan) b.

8.

Berdasarkan sektor Ekonomi:

MUDHARABAH FINANCING (continued) b.

By economic sector:

2016

Lancar/ Current



Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

Pihak Ketiga Konstruksi 3.500.000.000 Perdagangan 6.770.000.000 Transportasi 45.238.937.866 Jasa dunia usaha 283.134.180.491 Jasa sosial 1.448.056.751

1.460.220.192 -

-

-

6.818.078.557 -

3.500.000.000 6.770.000.000 45.238.937.866 291.412.479.240 1.448.056.751

Third Parties Construction Trading Transportation Business Services Social Services

Total Pembiayaan

1.460.220.192

-

-

6.818.078.557

348.369.473.857

Total Financing

-

-

(4.541.118.942)

-

-

2.276.959.615


340.091.175.108 (3.305.837.824) 336.785.337.284

(73.011.010) 1.387.209.182

(7.919.967.776)


340.449.506.081

Net

2015

Lancar/ Current


Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

Pihak Ketiga Pertambangan 1.005.000.000 Konstruksi 3.500.000.000 Perdagangan 3.797.500.000 Transportasi 68.570.522.169 Jasa dunia usaha 311.234.957.318 Jasa sosial 1.547.132.891

2.243.201.812 -

-

3.287.359.615 -

4.879.831.410 -

1.005.000.000 3.500.000.000 3.797.500.000 68.570.522.169 321.645.350.155 1.547.132.891

Third Parties Mining Construction Trading Transportation Business Services Social Services

Total

389.655.112.378

2.243.201.812

-

3.287.359.615

4.879.831.410

400.065.505.215

Total

Pihak Berelasi: Jasa dunia usaha

8.643.177.600

-

-

-

-

8.643.177.600

Related parties Business Services

Total

8.643.177.600

-

-

-

-

8.643.177.600

Total

398.298.289.978

2.243.201.812

-

3.287.359.615

4.879.831.410

408.708.682.815

Total Financing

-

(41.623.595)

(2.879.831.410)

-

3.245.736.020

2.000.000.000


c.


Berdasarkan perjanjian) :

(3.759.729.186) 394.538.560.792

jangka

(112.160.092) 2.131.041.720

waktu

(sesuai

2016

c.

(6.793.344.283)


401.915.338.532

Net

By period (according to the agreement):

2015


51.925.686 14.243.847.884 227.270.816.193 106.802.884.094

448.232.672 17.755.226.491 322.222.828.546 59.639.217.506

Jumlah

348.369.473.857

400.065.505.215




| 49 06/04/2017 20:54:53






8.

PEMBIAYAAN MUDHARABAH (lanjutan) c.

Berdasarkan jangka perjanjian) (lanjutan):

waktu

8. (sesuai

MUDHARABAH FINANCING (continued) c.

2016

2015

Pihak Berelasi 1 - 2 tahun Lebih dari 2 - 5 tahun Lebih dari 5 tahun

-

112.785.373 6.335.944.074 2.194.448.153

Related paries 1 – 2 years More than 2 - 5 years More than 5 years

Jumlah

-

8.643.177.600

Total

348.369.473.857

408.708.682.815

Total Mudharabah Financing

Jumlah Pembiayaan Mudharabah Cadangan kerugian penurunan nilai Bersih

d.

(7.919.967.776) 340.449.506.081

Berdasarkan sisa umur jatuh tempo:

(6.793.344.283)

d.

Net


Pihak Ketiga: Kurang dari 1 tahun 1 - 2 tahun Lebih dari 2 - 5 tahun Lebih dari 5 tahun

37.947.898.307 56.246.747.320 159.332.836.264 94.841.991.966

22.834.399.377 73.262.120.478 258.400.187.123 45.568.798.237


Jumlah

348.369.473.857

400.065.505.215

Total

Pihak Berelasi: Kurang dari 1 tahun 1 - 2 tahun Lebih dari 2 - 5 tahun Lebih dari 5 tahun

-

77.590.848 244.243.471 6.126.895.128 2.194.448.153

Related paries Less than 1 year 1 – 2 years More than 2 - 5 years More than 5 years

Jumlah

-

8.643.177.600

Total

348.369.473.857

408.708.682.815

Total Mudharabah Financing

Jumlah Pembiayaan Mudharabah Cadangan kerugian penurunan nilai Bersih

(7.919.967.776) 340.449.506.081


Pihak Ketiga: Pihak Berelasi (Catatan 32): Koperasi Karyawan BSB Jumlah Cadangan kerugian penurunan nilai Bersih

(6.793.344.283) 401.915.338.532

e. 2016

50 |


401.915.338.532

2016

e.

By period (according to the agreement) (continued):

Allowance for impairment losses Net


348.369.473.857

400.065.505.215

Third Parties

-

8.643.177.600

Related Parties (Note 32) Koperasi Karyawan BSB

348.369.473.857

408.708.682.815

Total

(7.919.967.776) 340.449.506.081

(6.793.344.283) 401.915.338.532




06/04/2017 20:54:53






8.

PEMBIAYAAN MUDHARABAH (lanjutan) f.

8.

MUDHARABAH FINANCING (continued)

Informasi penting lainnya:

f.

Other significant information:

(i)

(i)

Profit sharing percentage of mudharabah financing was in range of between 12% to 15% per year on 2016 and 12% to 15% per year on 2015.

Persentase bagi hasil pembiayaan mudharabah berkisar antara 12% sampai dengan 15% per tahun untuk tahun 2016 dan 12% sampai dengan 15% per tahun untuk tahun 2015.

(ii) Rasio non performing pembiayaan mudharabah pada tanggal 31 Desember 2016 adalah sebesar 1,96% (2015 sebesar 2,00%).

(ii) Ratio of non performing mudharabah financing as of December 31, 2016 was 1.96% (2015 was 2.00%).

(iii) Pembiayaan mudharabah dijamin dengan agunan yang diikat dengan hak tanggungan atau surat kuasa memasang hak tanggungan atau surat kuasa untuk mencairkan deposito mudharabah atau jaminan lain yang dapat diterima oleh Bank. Jumlah deposito mudharabah yang menjadi jaminan disajikan pada Catatan 22.

(iii) Mudharabah financing are collateralized by registered mortgages or power of attorney to mortgage and withdraw mudharabah time deposit or other guarantees generally accepted by the Bank. Amount of mudharabah time deposit, which are collateralized are disclosed in Note 22.

(iv) Ikhtisar perubahan cadangan kerugian pembiayaan mudharabah adalah sebagai berikut:

(iv) The movement of allowance for impairment losses on mudharabah financing are as follows:

2016 Saldo awal tahun Cadangan selama tahun berjalan Pemulihan selama tahun berjalan

2015

6.793.344.283

5.140.846.848

Beginning balance

3.790.260.316

1.679.991.508

Allowance during the year

(2.663.636.823)

Saldo akhir tahun

(27.494.073)

7.919.967.776

6.793.344.283

PEMBIAYAAN MUSYARAKAH a.


Management believes that the allowance for impairment losses is adequate to cover losses that might arise from uncollectible financing mudharabah and has complied with Financial Authority Service/OJK regulation.

Manajemen berpendapat bahwa cadangan kerugian yang dibentuk adalah cukup untuk menutup kemungkinan kerugian akibat tidak tertagihnya pembiayaan mudharabah serta telah memenuhi ketentuan Otoritas Jasa Keuangan.

9.

Recovery during current period

9.

Berdasarkan jenis:

MUSYARAKAH FINANCING a.

By type:

2016

Lancar/ Current



Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

Pihak Ketiga Modal kerja Investasi Jumlah

Third Parties 895.306.934.792 113.764.990.073 1.079.940.451.709 7.417.466.759

5.695.541.211 1.031.891.783

1.145.209.932 -

43.025.087.368 416.603.409

1.058.937.763.376 1.088.806.413.660

1.975.247.386.501 121.182.456.832

6.727.432.994

1.145.209.932

43.441.690.777

2.147.744.177.036

Working capital Investmetnt Total



| 51 06/04/2017 20:54:54






9.

PEMBIAYAAN MUSYARAKAH (lanjutan) a.

9.

Berdasarkan jenis (lanjutan):

MUSYARAKAH FINANCING (continued) a.

By type (continued):


Lancar/ Current


Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

Pihak beralasi Modal kerja Jumlah Jumlah Pembiayaan Cadangan kerugian penurunan nilai Bersih

Related Parties 26.650.000.000

-

-

-

-

26.650.000.000

26.650.000.000

-

-

-

-

26.650.000.000

Total

2.001.897.386.501 121.182.456.832

6.727.432.994

1.145.209.932

43.441.690.777

2.174.394.177.036

Total Financing

(29.892.728.556)

Allowances for impairment losse

2.137.001.448.480

Net

(19.581.042.337)

(6.253.221.629)

1.982.316.344.164 114.929.235.203

(400.517.493) 6.326.915.501

- (11.157.947.097) 1.145.209.932

32.283.743.680

Working capital


Lancar/ Current


Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

Pihak Ketiga Modal kerja Investasi Jumlah

Third Parties 932.370.399.141 578.668.815.603

83.714.318.975 10.044.882.337

3.142.964.539 -

416.603.409

50.439.824.923 318.187.804

1.069.667.507.578 589.448.489.153

1.511.039.214.744

93.759.201.312

3.142.964.539

416.603.409

50.758.012.727

1.659.115.996.731

3.688.966.728

-

-

-

-

3.688.966.728

3.688.966.728

-

-

-

-

3.688.966.728

Total

1.514.728.181.472

93.759.201.312

3.142.964.539

416.603.409

50.758.012.727

1.662.804.963.459

Total Financing

(26.415.686.533)

Allowances for impairment losse

1.636.389.276.926

Net

Pihak beralasi Modal kerja Jumlah Jumlah Pembiayaan Cadangan kerugian penurunan nilai Bersih

b.

Working capital Investmetnt Total

Related Parties

(14.777.571.156) 1.499.950.610.316

(6.755.907.346) 87.003.293.966

(129.391.782)

-

3.013.572.757

416.603.409


b.

(4.752.816.249) 46.005.196.478

Working capital

By economic sector:

2016

Pihak Ketiga Pertanian Pertambangan Manufaktur Tenaga listrik Konstruksi Perdagangan Transportasi Jasa dunia usaha Jasa sosial Jumlah

52 |

Lancar/ Current


4.290.044.889 6.117.198.452 83.841.863.021 167.926.726.646 212.619.384.909 347.007.236.791 147.242.508.742 415.301.517.079 590.900.905.972

186.929.138 37.112.422.405 60.618.553.203 7.996.335.390 15.268.216.696 -

385.000.000 4.678.000.000 843.794.718 396.697.499 423.940.777

500.000.000 146.309.932 498.900.000 -

645.000.000 1.933.299.997 20.071.314.508 20.792.076.272 -

4.290.044.889 6.117.198.452 85.058.792.159 169.860.026.643 274.981.121.822 429.407.970.916 155.737.744.132 430.966.431.274 591.324.846.749

Third Parties Agriculture Mining Manufacturing Electric Power Construction Trading Transportation Business Services Social Services

121.182.456.832

6.727.432.994

1.145.209.932

43.441.690.777

2.147.744.177.036

Total

1.975.247.386.501


Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total



06/04/2017 20:54:54






9.

PEMBIAYAAN MUSYARAKAH (lanjutan) b.

9.


MUSYARAKAH FINANCING (continued) b.


2016

Lancar/ Current



Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

Pihak Berelasi:

Related parties

Manufaktur Jumlah Jumlah pembiayaan

-

-

-

-

26.650.000.000

26.650.000.000

-

-

-

-

26.650.000.000

Total

6.727.432.994

1.145.209.932

43.441.690.777

2.174.394.177.036

Total Financing

(29.892.728.556)


2.001.897.386.501

121.182.456.832

(19.581.042.337)

(6.253.221.629)

1.982.316.344.164

114.929.235.203


26.650.000.000

(400.517.493) 6.326.915.501

- (11.157.947.097) 1.145.209.932

32.283.743.680

2.137.001.448.480

Manufacturing

Net

2015

Lancar/ Current


13.562.005.119 27.666.911.033 82.492.671.118 110.268.553.432 244.133.639.830 317.398.722.078 68.287.469.727 352.211.390.354 295.017.852.053

251.985.000 3.622.689.548 60.954.918.565 9.875.891.298 19.053.716.901 -

825.000.000 2.213.570.119 104.394.420 -

416.603.409

1.511.039.214.744

93.759.201.312

3.688.966.728 3.688.966.728

Pihak Ketiga Pertanian Pertambangan Manufaktur Tenaga listrik Konstruksi Perdagangan Transportasi Jasa dunia usaha Jasa sosial Jumlah


Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

-

645.000.000 1.933.299.997 21.599.324.339 24.408.065.031 2.172.323.360 -

13.562.005.119 27.666.911.033 83.389.656.118 112.201.853.429 270.597.257.126 404.975.275.793 78.267.755.445 373.437.430.615 295.017.852.053

Third Parties Agriculture Mining Manufacturing Electric Power Construction Trading Transportation Business Services Social Services

3.142.964.539

416.603.409

50.758.012.727

1.659.115.996.731

Total

-

-

-

-

3.688.966.728

-

-

-

-

3.688.966.728

Total

3.142.964.539

416.603.409

50.758.012.727

1.662.804.963.459

Total Financing

(26.415.686.533)


1.636.389.276.926

Net

Pihak Berelasi:

Related parties

Konstruksi Jumlah Jumlah Pembiyaan

1.514.728.181.472

93.759.201.312

(14.777.571.156)

(6.755.907.346)

Cadangan kerugian penurunan nilai

Bersih

c.

1.499.950.610.316

Berdasarkan perjanjian):

Jangka

87.003293.966

Waktu

(129.391.782)

3.013.572.757

(sesuai 2016

Pihak Ketiga: Kurang dari 1 tahun 1 - 2 tahun 2 - 5 tahun Lebih dari 5 tahun Jumlah

-

416.603.409

c.

(4.752.816.249)

46.005.196.478

Construction

By period (according to the agreement): 2015

84.603.238.963 234.645.681.839 920.735.242.026 907.760.014.208

200.851.079.914 210.545.068.823 888.957.781.112 358.762.066.882

Third Parties Less than 1 year 1 – 2 years 2 – 5 years More than 5 year

2.147.744.177.036

1.659.115.996.731

Total



| 53 06/04/2017 20:54:54






9.

PEMBIAYAAN MUSYARAKAH (lanjutan) c.

Berdasarkan Jangka perjanjian) (lanjutan):

Waktu

9. (sesuai

MUSYARAKAH FINANCING (continued) c.

2016 Pihak Ketiga: Kurang dari 1 tahun 1 - 2 tahun 2 - 5 tahun Lebih dari 5 tahun

2015

84.603.238.963 234.645.681.839 920.735.242.026 907.760.014.208

200.851.079.914 210.545.068.823 888.957.781.112 358.762.066.882

Third Parties Less than 1 year 1 – 2 years 2 – 5 years More than 5 year

2.147.744.177.036

1.659.115.996.731

Total

Pihak Berelasi: 1 - 2 tahun

26.650.000.000

3.688.966.728

Related parties 1 – 2 years

Jumlah

26.650.000.000

3.688.966.728

Total

2.174.394.177.036

1.662.804.963.459

Total Financing

Jumlah


d.

(37.392.728.556) 2.137.001.448.480

Berdasarkan sisa umur jangka waktu:

(26.415.686.533)

Pihak Ketiga: Kurang dari 1 tahun 1 - 2 tahun 2 - 5 tahun Lebih dari 5 tahun

d.

Net


480.534.346.616 314.160.386.221 540.397.810.633 812.651.633.566

416.029.103.726 339.652.242.257 591.221.043.550 312.213.607.198

Third parties Less than 1 year 1 – 2 years 2 – 5 years more than 5 years

2.147.744.177.036

1.659.115.996.731

Total

Pihak Berelasi: Kurang dari 1 tahun

26.650.000.000

3.688.966.728

Related parties Less than 1 year

Jumlah

26.650.000.000

3.688.966.728

Total

2.174.394.177.036

1.662.804.963.459

Total Financing

Jumlah


(37.392.728.556) 2.137.001.448.480


Pihak Ketiga Pihak Berelasi (Catatan 32): PT Mitra Usaha Sarana Jumlah pembiayaan Cadangan kerugian penurunan nilai Bersih

(26.415.686.533) 1.636.389.276.926

e. 2016

54 |


1.636.389.276.926

2016

e.

By period (according to the agreement) (continued):



2.147.744.177.036

1.659.115.996.731

Third parties

26.650.000.000

3.688.966.728

Related parties (Note 32): PT Mitra Usaha Sarana

2.174.394.177.036

1.662.804.963.459

Total Financing

(37.392.728.556) 2.137.001.448.480

(26.415.686.533) 1.636.389.276.926




06/04/2017 20:54:54






9.

PEMBIAYAAN MUSYARAKAH (lanjutan) f.

9.

Informasi penting lainnya: (i)

MUSYARAKAH FINANCING (continued) f.

Bagi hasil pembiayaan musyarakah berkisar antara sebesar 12% per tahun sampai dengan 15% per tahun untuk tahun 2016 dan setara 12% per tahun sampai dengan 15% per tahun untuk tahun 2015.

Other significant information: (i)

Profit sharing of musyarakah financing approximately in range of 12% per year to 15% per year in 2016 and equivalent with 12% per year to 15% per year in 2015.

(ii) Rasio non performing pembiayaan musyarakah pada tanggal 31 Desember 2016 dan 2015 sebesar 2,34% dan 3,27% dari jumlah pembiayaan musyarakah.

(ii) Non performing ratio of musyarakah financing on December 31, 2016 and 2015 as 2.34% and 3.27% from total musyarakah financing.

(iii) Pembiayaan musyarakah dijamin dengan agunan yang diikat dengan hak tanggungan atau surat kuasa memasang hak tanggungan atau surat kuasa untuk mencairkan deposito mudharabah atau jaminan lain yang dapat diterima oleh Bank. Jumlah deposito mudharabah yang menjadi jaminan disajikan pada Catatan 22.

(iii) Musyarakah financing are collateralized by registered mortgages or power of attorney to mortgage and withdraw mudharabah time deposit or other guarantees generally accepted by the Bank. Amount of mudharabah time deposit, which are collateralized are disclosed in Note 22.

(iv) Perubahan cadangan kerugian penurunan

(iv) The

nilai pembiayaan sebagai berikut:

musyarakah

2016 Saldo awal Cadangan selama tahun berjalan Pemulihan selama tahun berjalan Penghapusbukuan Saldo akhir

23.089.384.617

Beginning balance

22.086.517.902

9.372.472.402

Allowance for the current year

(10.906.752.639) (202.723.240)

(6.038.488.882) (7.681.604)

Recovery for the current year Written-off

37.392.728.556

26.415.686.533

10. ASET YANG DIPEROLEH UNTUK IJARAH Akun ini merupakan objek sewa dari transaksi ijarah dengan rincian sebagai berikut: 2016

Saldo akhir

2015

26.415.686.533

Manajemen berpendapat bahwa cadangan kerugian penurunan nilai yang dibentuk adalah cukup untuk menutup kemungkinan kerugian akibat tidak tertagihnya pembiayaan musyarakah serta telah memenuhi ketentuan Otoritas Jasa Keuangan.

Multi jasa Akumulasi amortisasi

movement of allowance for impairment losses on musyarakah financing are as follow:

adalah

Management believes that allowance of impairment losses provided is adequate to cover possible loss from uncollected musyarakah financing and has complied with Financial Authority Services/OJK regulation.

10. ASSET ACQUIRED FOR IJARAH This account represents lease objects of an ijarah with detail as follow: 2015

76.275.000 (12.634.691)

76.275.000 (5.289.444)

63.640.309

70.985.556

Ijarah multi jasa sebagian besar terdiri dari pembiayaan ijarah untuk tujuan pendidikan.


Multi services Accumulated amortization Balance at end of year

Ijarah multi services mostly consist of ijarah financing for educational purposes.



| 55 06/04/2017 20:54:55






11. ASET TETAP

11. PREMISES AND EQUIPMENT 2016 Saldo awal/ Beginning Balance

Nilai Perolehan Hak atas tanah Bangunan Kendaraan bermotor Mesin-mesin Peralatan kantor Komputer Jumlah Akumulasi Penyusutan Bangunan Kendaraan bermotor Mesin-mesin Peralatan kantor Komputer Jumlah Nilai buku

Penambahan/ Addition

Surplus revaluasi/ Surplus Revaluation

Pengurangan/ Deduction

Saldo Akhir/ Ending Balance

58.724.946.314 37.387.932.023 16.465.003.915 9.760.542.691 12.331.049.989 25.978.368.707

1.433.750.000 3.472.981.250 611.833.886 439.913.153 1.753.423.414

36.568.250.000 -

6.422.773.646 1.184.766.262 652.400.000 116.813.200 242.525.438 338.852.642

90.304.172.668 36.203.165.761 19.285.585.165 10.255.563.377 12.528.437.704 27.392.939.479

Acquisition cost Land rights Buildings Vehicles Machinery Office equiptment Computer

160.647.843.639

7.711.901.703

36.568.250.000

8.958.131.188

195.969.864.154

Total

8.550.874.756 9.311.760.021 6.439.750.162 11.435.833.472 14.155.200.904

1.856.620.105 2.216.675.690 637.272.188 1.186.021.225 2.705.145.643

-

97.513.524 523.874.745 117.048.874 242.531.625 323.169.841

10.309.981.337 11.004.560.966 6.959.973.476 12.379.323.072 16.537.176.706

Accumulated Depreciation Buildings Vehicles Machineries Office Equipments Computer

49.893.419.315

8.601.734.851

-

1.304.138.609

110.754.424.324

57.191.015.557

Total

138.778.848.597

Book value

2015 Saldo Awal/ Beginning balance Nilai Perolehan Hak atas tanah Bangunan Kendaraan bermotor Mesin-mesin Peralatan kantor Komputer Jumlah

56 |

Penambahan/ Additions

Pengurangan/ Deduction

Saldo Akhir/ Ending balance Acquisition cost Land rights Buildings Vehicles Machinery Office equiptment Computer

27.554.300.000 31.697.226.206 16.050.165.415 9.655.558.013 11.560.251.420 25.959.051.328

31.170.646.314 5.690.705.817 570.188.500 251.215.200 804.852.931 243.776.500

155.350.000 146.230.522 34.054.362 224.459.121

58.724.946.314 37.387.932.023 16.465.003.915 9.760.542.691 12.331.049.989 25.978.368.707

122.476.552.382

38.731.385.262

560.094.005

160.647.843.639

Total

8.550.874.756 9.311.760.021 6.439.750.162 11.435.833.472 14.155.200.904

Accumulated Depreciation Buildings Vehicles Machineries Office Equipments Computer

Akumulasi Penyusutan Bangunan Kendaraan bermotor Mesin-mesin Peralatan kantor Komputer

6.871.870.898 7.370.880.575 5.817.447.742 9.994.841.129 11.613.442.574

1.679.003.858 2.039.131.008 759.512.912 1.475.046.705 2.765.270.486

98.251.562 137.210.492 34.054.362 223.512.156

Jumlah

41.668.482.918

8.717.964.969

493.028.572

Nilai buku

80.808.069.464

49.893.419.315

Total

110.754.424.324

Book value

Pada bulan Oktober 2016, Bank melakukan revaluasi atas seluruh tanah yang dimiliki Bank. Hasil revaluasi tersebut mengakibatkan kenaikan harga perolehan tanah sebesar Rp36.568.250.000. Kenaikan nilai tanah tersebut sudah dibukukan dalam laporan keuangan Bank per tanggal 31 Desember 2016. Nilai wajar tanah pada tanggal 31 Desember 2016 adalah berdasarkan hasil dari penilaian Kantor Jasa Penilai Publik (KJPP).

On October 2016, the Bank revaluated all of it’s existing land. The revaluation resulting to the increase of carrying value of land amounting to Rp36,568,250,000. The increase in value of land was recorded in the financial statements as of December 31, 2016. Fair value of land on December 31, 2016 is based the result of independent appraisal.

Aset tetap tertentu diasuransikan terhadap risiko kebakaran dan risiko lainnya berdasarkan suatu paket asuransi tertentu antara lain pada PT Tripakarta Syariah, PT Astra Buana, PT Jasindo, PT Mega Syariah, PT ACA Syariah, PT Bumida Syariah, PT Takaful, PT BSAM Syariah, PT Adira, PT Bintang Syariah, PT Sarana Lindung Upaya, dengan nilai pertanggungan seluruhnya sebesar Rp103.817.606.190 dan Rp91.669.252.777 untuk tahun yang berakhir pada tanggal 31 Desember 2016 dan 2015.

Certain premises and equipment were insured to cover fire disaster risk and other risk based on certain insurance package, from the insurance company such as PT. Tripakarta Syariah, PT. Astra Buana, PT. Jasindo, PT. Mega Syariah, PT. ACA Syariah, PT. Bumida Syariah, PT. Takaful, PT. BSAM Syariah, PT. Adira, PT. Bintang Syariah, PT. Sarana Lindung Upaya, with all insurance coverage amounted to Rp103,817,606,190 and Rp91,669,252,777 for the year ended December 31, 2016 and 2015.



06/04/2017 20:54:55






11. ASET TETAP (lanjutan)

11. PREMISES AND EQUIPMENT (continued)

Manajemen Bank berpendapat bahwa nilai pertanggungan tersebut cukup untuk menutup kemungkinan kerugian atas aset tetap yang diasuransikan.

Management believes that the insurance coverage was adequate to cover the possibility of losses on premises and equipment.

Berdasarkan penelaahan manajemen Bank, tidak terdapat indikasi penurunan nilai atas aset tetap tersebut di atas.

Based on Bank management analysis, there were no indication of value depreciation of premises and equipment above.

12. ASET LAIN-LAIN

12. OTHER ASSETS This accounts is consists of:

Aset lain-lain terdiri dari: 2016

2015

Agunan yang diambil alih Cadangan kerugian penurunan nilai

82.943.404.329

Jumlah

80.602.959.043

7.030.486.288

Total

28.702.037.338

38.442.868.708

Prepaid charges: Prepaid expenses

24.885.236.908

3.405.208.275

Jumlah

53.587.274.246

41.848.076.983

Total

Pendapatan yang masih akan diterima Lainnya - bersih

54.237.699.192 28.099.667.572

45.456.622.490 29.150.473.212

Accrued income Others - Net

216.527.600.053

123.485.658.973

Total Other Assets

Biaya dibayar dimuka: Beban dibayar dimuka Pajak dibayar dimuka dan uang muka

Jumlah Aset Lain-lain

(2.340.445.286)

13. LIABILITAS SEGERA

Jumlah

Foreclosed assets

(912.407.513)


Prepaid taxes and advances

13. OBLIGATIONS DUE IMMEDIATELY

Liabilitas segera kepada pihak ketiga terdiri dari:

Sarlog/Umum Deposito Card dan electronic Banking Transfer Sumber Daya Manusia Lainnya

7.942.893.801

Obligations consist of:

due

immediately

to

third

parties

2016

2015

5.141.539.141 1.825.977.525 2.369.883.680 1.197.624.484 293.963.076 376.267.080

5.065.183.647 3.558.268.085 1.278.980.220 1.120.896.833 438.465.009 2.095.131.225

Supports/Logistics Time deposits Cards and electronic banking Transfer Human resources Others

11.205.254.986

13.556.925.019

Total

14. BAGI HASIL YANG BELUM DIBAGIKAN Akun ini merupakan bagi hasil yang belum dibagikan bank kepada nasabah (shahibul maal) atas bagian keuntungan hasil usaha bank yang telah disisihkan dari pengelolaan dana mudharabah sebesar Rp7.958.094.687 tahun 2016 dan Rp7.912.763.509 tahun 2015.

14. UNDISTRIBUTED REVENUE SHARING This account represent undistributed share of costumer (shahibul maal) on income generated by the Bank from managing of mudharabah fund amounting to Rp7,958,094,687 in 2016 and Rp7,912,763,509 in 2015.



| 57 06/04/2017 20:54:55






15. SIMPANAN WADIAH

15. WADIAH DEPOSITS

Simpanan wadiah terdiri dari giro wadiah dan tabungan wadiah sebagai berikut: 2016

2015

Giro Wadiah: Pihak Ketiga Giro badan usaha Giro koperasi Giro perorangan Giro pemerintah

313.989.787.418 19.635.055.591 44.676.707.482 12.500.073.344

302.193.765.292 23.937.959.431 15.851.299.877 7.526.580.524

Wadiah Demand Deposits : Third parties Corporate demand deposits Cooperation demand deposits Individual demand deposits Government demand deposits

Jumlah

390.801.623.835

349.509.605.124

Total

324.766.612 831.557 342.442.422

871.602.542 -

Related parties (Note 32): PT. Mitra Usaha Sarana Haris Suria Putra PT. Bukopin Finance

391.469.664.426

350.381.207.666

Total Wadiah Demand Deposits

331.028.725.565 2.420.209.358 442.526.852 1.569.112.547 35.786.048

324.221.780.660 1.373.249.594 1.371.157.162 620.102.466 136.541.520 -

Wadiah Savings Deposits : Third Parties Siaga Wadiah Saving Deisi Wadiah Saving Tabunganku Saving Siaga Haji Saving Simpanan Pelajar Saving Siaga Pensiun Saving

335.496.360.370

327.722.831.402

4.478.844.182 2.760.952 618.845

3.852.089.499 10.057.043 -

Pihak Berelasi (Catatan 32): PT. Mitra Usaha Sarana Haris Suria Putra PT. Bukopin Finance Jumlah Giro Wadiah

Tabungan Wadiah: Pihak Ketiga Tabungan Siaga Wadiah Tabungan Deisi Wadiah Tabunganku Tabungan Siaga Haji Tabungan Simpanan Pelajar Tabungan Siaga Pensiun Jumlah Pihak Berelasi (Catatan 32): Tabungan Siaga Wadiah Tabunganku Tabungan simpanan pelajar Jumlah Jumlah Tabungan Wadiah

4.482.223.979

3.862.146.542

339.978.584.349

331.584.977.944

16. SIMPANAN DARI BANK LAIN

58 |

Wadiah deposits consist of demand deposits and savings, as follows:

Total Related Parties (Note 32) Siaga Wadiah Saving Tabunganku Saving Simpanan pelajar Saving Total Total Wadiah Savings Deposits

16. DEPOSITS FROM OTHER BANKS

2016

2015

Giro Wadiah Pihak ketiga Pihak berelasi (Catatan 32)

2.097.611.029 3.844.327.654

1.951.078.531 3.849.480.958

Wadiah Demand Deposit Third parties Related parties (Note 32)

Jumlah

5.941.938.683

5.800.559.489

Total

Investasi Mudharabah Pihak ketiga

375.000.000.000

-

Mudharabah investment Third parties

Jumlah

375.000.000.000

-



06/04/2017 20:54:55






17. PERPAJAKAN a.

17. TAXATION

Hutang pajak:

a. 2016

2015

2.978.028.747

6.851.908.062

Income Tax article 29

875.136.810 6.064.608.613 253.082.819 62.932 7.244.333

778.067.188 4.758.486.782 272.404.848 13.041.675

Income tax article 25 – December Income tax article 4 (2) Income tax article 21 Income tax article 23 Value added tax

10.178.164.254

12.673.908.555

Tax

Pajak penghasilan pasal 29 Pajak penghasilan pasal 25 bulan Desember Pajak penghasilan pasal 4(2) Pajak penghasilan pasal 21 Pajak penghasilan pasal 23 Pajak pertambahan nilai (PPN) Jumlah

b.

Rekonsiliasi Penghasilan

Laba

Sebelum

Pajak

b.

2016

Beda temporer: Imbalan pasca kerja karyawan Pembayaran pesangon Beban (pembalikan) estimasi kerugian komitmen dan kontinjensi Jumlah beda temporer

Reconciliation of Income before income tax

Reconcilliation between income before income tax as stated in the statement of profit or loss and other comprehensive income with taxable income are as follows:

Rekonsiliasi antara laba sebelum pajak penghasilan seperti yang tercantum dalam laporan laba rugi dan penghasilan komprehensif lain dan penghasilan kena pajak adalah sebagai berikut:

Laba sebelum beban pajak penghasilan sesuai dengan laporan laba rugi dan penghasilan komprehensif lainnya

Taxes payable:

2015

47.833.776.081

40.665.677.424

Income before income tax per statement of profit or loss and other comprehensive income Temporary differences:

2.736.542.000 -

2.268.874.000 (25.644.000)

-

(92.152.048)

Provisions of employee benefits Payment of employe severance Expense (reversal) estimated loss on commitments and contingencies

2.736.542.000

2.151.077.952

Total Temporary Differences

Beda permanen: Jamuan Beban pajak

685.433.056 17.702.736

460.588.130 256.122.616

Permanent differences: Entertainment Tax expenses

Jumlah beda permanen

703.135.792

716.710.746

Total permanent differences

3.439.677.792

2.867.788.698

Tax adjustment

51.273.453.873

43.533.466.122

Estimated taxable income

51.273.453.000

45.533.466.000

Estimated Taxable income - rounded

10.883.366.500

Estimated Income tax expenses 25% x 45.533.466.000 25% x 58.773.453.000

Jumlah koreksi fiskal Taksiran Penghasilan Kena Pajak Taksiran Penghasilan Kena Pajak (dibulatkan) Taksiran Beban Pajak Penghasilan 25% x 45.533.466.000 25% x 51.273.453.000 Pajak Dibayar Dimuka – PPh Pasal 25 Taksiran Hutang PPh Pasal 29

12.818.363.250 (9.840.334.503)

(4.031.458.439)

2.978.028.747

6.851.908.062

Prepaid Tax – Income tax article 25 Estimated Income tax payable – Art. 29



| 59 06/04/2017 20:54:56






17. PERPAJAKAN (lanjutan) b.

Rekonsiliasi Laba Penghasilan (lanjutan)

17. TAXATION (continued) Sebelum

Pajak

b.

2016 Laba sebelum beban pajak Pajak penghasilan: Pajak kini Pajak tangguhan

2015

47.833.776.081

40.665.677.424

(12.818.363.250) (2.305.475.505)

(10.883.366.500) (2.003.835.351)

Income before tax expenses Income Tax: Current tax Deferred tax

Jumlah pajak penghasilan

(15.123.838.755)

(12.887.201.851)

Total Income Tax

Penghasilan komprehensif lainnya - neto

32.774.859.750

1.672.013.250

Jumlah laba bersih dan penghasilan komprehensif lain setelah pajak penghasilan

c.

65.484.797.076

Rekonsiliasi Atas Beban Pajak Penghasilan Bank

29.450.488.823

c.

2016

Total net income and other comprehensive income after income tax

Rekonsiliasi Atas Beban Pajak Penghasilan Bank

2015

Laba sebelum beban pajak penghasilan Beban pajak penghasilan yang dihitung dari laba sebelum beban pajak penghasilan Pengaruh pajak atas beda tetap Rugi fiskal periode berjalan

47.833.776.081

40.665.677.424

Income before income tax expense

(11.958.444.020) (175.783.948) (2.989.610.787)

(10.166.419.356) (179.177.686) (2.541.604.809)

Tax expense at effective tax rate Tax Effect on permanent difference Fiscal losses for the year

Beban Pajak – bersih

(15.123.838.755)

(12.887.201.851)

Tax Expense – Net

Aset pajak tangguhan

d. 2016

Deferred tax assets 2015

Cadangan imbalan pascakerja karyawan Rugi fiskal

3.607.972.500 13.959.473.400

2.878.315.250 16.949.084.405

Provision for the employee benefit Tax losses

Jumlah

17.567.445.900

19.827.399.655

Total

Manfaat yang diperoleh dari aset pajak tangguhan yang diakui Bank tergantung pada adanya penghasilan kena pajak yang lebih besar dari pembalikan perbedaan temporer yang bisa dikurangkan dimasa yang akan datang.

60 |

Other comprehensive income - Net

The reconciliation between the Bank's income tax expese with the calculation of the accounting income before income tax expense using the prevaling tax rate is as follows:

Rekonsiliasi atas beban pajak penghasilan Bank dengan perkalian laba akuntansi Bank sebelum beban pajak penghasilan dan tarif pajak yang berlaku adalah sebagai berikut:

d.

Reconciliation of Income before income tax (continued)

The benefits obtain from deferred tax assets which is recognized by the Bank depend on the existence of the taxable income which is bigger than the reversal of temporary difference that can be deducted in the future.



06/04/2017 20:54:56






18. PINJAMAN YANG DITERIMA

18. FUND BORROWINGS This account consist of:

Akun ini terdiri dari: 2016

2015

Pinjaman RDI

49.780.291.300

49.780.291.300

RDI borrowings

Jumlah

49.780.291.300

49.780.291.300

Total

a. Berdasarkan Akta

No.32/239/UK Indek No.0002-KPR tanggal 12 Mei 1999 kredit yang diberikan untuk waktu maksimal 21 tahun sampai dengan 31 Maret 2020 dan dihitung sejak tanggal pelimpahan dana dengan plafon sebesar Rp20.222.000.000 (dua puluh milyar dua ratus dua puluh dua juta rupiah ) seperti termaksud dalam pasal 32 ayat 2,3 dan pasal 35 Undang-undang Bank Indonesia 1968. Pelunasan KL KPR Tahun 1999 dilaksanakan per semester (setiap 30 Juni dan 31 Desember) yang dimulai sejak 30 Juni 2000 dan dibebankan pada awal bulan Juli dan Januari dan mengenai syarat-syarat lainnya tercantum dalam SK Direksi BI No. 31/93/KEP/DIR, SE BI No. 31/13/UK masing-masing tanggal 9 September 1998 perihal KP-RS dan KP-RSS.

b. Berdasarkan Surat Menteri Negara Perumahan

a. Based on Deed No. 32/ 239/UK Indek No.0002KPR dated May 12, 1999 credit provided was for the period of maximum 21 years until March 31, 2020 and calculated since date of fund devolution with limits amounting to Rp20,222,000,000 (twenty billion two hundred twenty two million rupiah) as stated in article 32 point 2,3 and article 35 Bank Indonesia Law year 1968. The settlement of KL KPR 1999 is conducted per semester (every June 30 and December 31) started since June 30, 2000 and charged in the beginning of July and January and other requirements are stated in BI Directors decision letter No. 31/93/ KEP/DIR, SE BI No. 31/13/UK respectively dated September 9, 1998 regarding KP-RS and KPRSS. b.

Based on letter of the State Ministry of Housing and Residential Nomor. 253/UM.0101/A.III/10/1999 dated October 18, 1999 and Ministry of Finance Letter Nomor S351/MK-017/1999 dated September 21, 1999 on approval of KP-RS/RSS TA 1999/2000, further implementation of this approval were the publication of loan agreement between Government-Finance Department with PT. Bank Tabungan Negara (Persero) and moreover as a coordinator bank immediately follow up by providing agreement letter with each of channelling bank.

c.

Based on loans agreement between PT. Bank Tabungan Negara (first party) and the Bank (second party), in connection with loans agreement related to ownership financing of RS/RSS TA.1999/2000 No. 07/PKS/ DIR/2000 dated February 08, 2000, the Government through first party provides fund with maximum amount of Rp16,960,481,512, secondly for TA.2000 No.21/ PKS/DIR/2001 dated February 22, 2001 with maximum amount of Rp20,703,980,143, and third for TA.2001 No.51 PKS/DIR/2001 dated November 02, 2001 as high as Rp19,575,642,000, there by total financing provided to second party that will be used as loans by second party to meet the KPRS/RSS credit will be maximum amount of Rp60,240,103,655.

dan Pemukiman Nomor. 253/UM.0101/A.III/10/1999 tanggal 18 Oktober 1999 dan Surat Menteri Keuangan Nomor S351/MK-017/1999 tanggal 21 September 1999 tentang persetujuan pembiayaan KP-RS/RSS TA 1999/2000, pelaksanaan lebih lanjut atas persetujuan ini diterbitkan perjanjian Pinjaman antara pemerintah c.q. Departemen Keuangan dengan PT. Bank Tabungan Negara (Persero) dan selanjutnya sebagai Bank koordinator segera menindaklanjuti dengan membuat surat perjanjian penerusan pinjaman dengan masingmasing Bank pelaksana penyalur.s

c.

Berdasarkan perjanjian penerusan pinjaman antara PT Bank Tabungan Negara (pihak pertama) dan Bank (pihak kedua), sehubungan dengan perjanjian pinjaman dalam rangka pembiayaan kredit pemilikan RS/RSS TA.1999/2000 No. 07/PKS/DIR/2000 Tanggal 08 Februari 2000, Pemerintah melalui pihak pertama menyediakan dana setinggi-tingginya sebesar Rp16.960.481.512, yang kedua untuk TA.2000 No.21/PKS/DIR/2001 tanggal 22 Februari 2001 setinggi-tingginya sebesar Rp20.703.980.143, dan yang ketiga untuk TA.2001 No.51/PKS/DIR/2001 tanggal 02 November 2001 setinggi-tingginya sebesar Rp19.575.642.000 sehingga total pinjaman yang diberikan kepada pihak kedua untuk dipergunakan sebagai pinjaman oleh pihak kedua guna memenuhi kredit KP-RS/RSS setinggi-tingginya sebesar Rp60.240.103.655.



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19. ESTIMASI KERUGIAN KONTINJENSI

KOMITMEN

DAN

19. ESTIMATED LOSSES ON COMMITMENTS AND CONTINGENCIES

Rincian estimasi kerugian atas komitmen dan kontinjensi adalah sebagai berikut:

The details of estimated loss on commitments and contingencies are as follows:

2016 Bank Garansi yang diterbitkan Jumlah

2015

1.467.570.264.840

1.437.784.782.729

1.467.570.264.840

1.437.784.782.729

Total

Pada tanggal 31 Desember 2016 dan 2015, semua bank garansi yang diterbitkan diklasifikasikan sebagai lancar.

On December 31, 2016 and 2015, all issued Bank Guarantee are classified as current.

Ikhtisar perubahan estimasi kerugian atas komitmen dan kontinjensi adalah sebagai berikut:

The changes in estimated losses on commitments and contingencies are as follows:

2016

2015

Saldo awal tahun Cadangan selama tahun berjalan Pembalikan cadangan

-

Saldo akhir tahun

-

Manajemen berpendapat bahwa estimasi kerugian komitmen dan kontinjensi yang dibentuk adalah cukup untuk menutup kemungkinan kerugian kewajiban komitmen dan kontinjensi serta telah memenuhi ketentuan Otoritas Jasa Keuangan.

20. LIABILITAS LAIN-LAIN

92.152.049 (92.152.049)

Beginning balance Allowance during current period Reversal of allowance

-


Management believes that estimated losses on commitments and contingencies, is adequate to cover up the loss on commitment and contingencies and has complied with the rule of Financial Authority Service/OJK regulation

20. OTHER LIABILITIES

This account consist of:

Akun ini terdiri dari: 2016

2015

Setoran jaminan Kewajiban lain pembiayaan Cadangan imbalan pasca-kerja karyawan (Catatan 31) Hutang THR/Dana Pendidikan/ Tunjangan Prestasi Administrasi pembiayaan Dana Kebajikan Angsuran penjualan aset

25.066.538.630 24.486.226.328

16.981.345.363 19.055.515.348

15.844.054.836

11.513.200.000

5.960.956.203 553.264.866 745.084.723 146.151.872

5.817.446.578 531.589.252 502.844.946 145.945.186

Guarantee deposit Other financing liabilities Provision for employee benefit Note (31) THR Borrowing/Education fund/ Performance bonus Financing administration Qardhul hasan fund Installment of Sales of the Asset

Jumlah Liabilitas lain-lain

72.802.277.458

54.547.945.673

Total other liabilities

21. PINJAMAN SUBORDINASI Berdasarkan surat perjanjian investasi mudharabah subordinasi, tanggal 15 Desember 2009, antara PT Bank Bukopin Tbk dengan Bank, disebutkan bahwa PT Bank Bukopin Tbk menyediakan dana investasi kepada Bank sebesar Rp100.000.000.000., dengan ketentuan sebagai berikut:

62 |

Bank Guarantees

21. SUBORDINATED FINANCING Based on letter of agreement for subordinated mudharabah investments dated December 15, 2009, between PT. Bank Bukopin, Tbk. and the Bank , it was stated that PT. Bank Bukopin, Tbk provided investment fund to the Bank amounting Rp100,000,000,000., with requirements as follow:



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21. PINJAMAN SUBORDINASI (lanjutan)

21. SUBORDINATED FINANCING (continued)

1.

Perjanjian ini dengan jangka waktu 6 (enam) tahun sejak tanggal penandatanganan perjanjian.

1.

The agreement is valid for 6 (six) year since the date of the agreement signed.

2.

Pembayaran bagi hasil (mudharabah) sebesar 70% untuk PT. Bank Bukopin Tbk dan 30% untuk Bank.

2.

Payment of profit sharing (mudharabah) of amounting to 70% to PT. Bank Bukopin, Tbk and 30% to the Bank.

3.

Bagi hasil berasal dari pendapatan operasional Bank.

3.

Profit sharing derived from the Bank operational income.

4.

Pembayaran kewajiban bagi hasil kepada PT. Bank Bukopin Tbk. dilaksanakan pada setiap awal bulan selambat-lambatnya pada tanggal 10.

4.

Payment of profit sharing liabilities to PT. Bank Bukopin, Tbk. is conducted at the latest on the 10th day of every early month.

5.

Pembayaran pokok investasi mudharabah subordinasi dilaksanakan pada saat jatuh tempo

5.

Principal payment of subordinated mudharabah investments is conducted on due date.

Pencairan pertama pinjaman investasi mudharabah subordinasi dilakukan pada tanggal 28 Desember 2009 sebesar Rp50.000.000.000.

First draw down of subordinated mudharabah investments was conducted on December 28, 2009 amounted to Rp50,000,000,000.

Perjanjian pinjaman investasi mudharabah subordinasi ini telah mendapat surat persetujuan dari Bank Indonesia dengan surat No. 11/1594/DPbs tanggal 24 November 2009.

The letter of agreement for subordinated mudharabah investments was approved with approval letter from Bank Indonesia No.11/1054/DPbS dated November 24, 2009.

Berdasarkan persetujuan Otoritas Jasa Keuangan melalui surat No. S-76/PB.1322/2015 tanggal 14 Agustus 2015 pinjaman ini telah diperpanjang selama enam tahun terhitung sejak 26 Agustus 2015 sampai dengan 26 Agustus 2021.

Based on Financial Authority Service/OJK approval through letter No. S-76/ PB.1322/2015 dated August 14, 2015 this financing have been extended for six years since August 26, 2015 until August 26, 2021.

Jumlah pinjaman subordinasi PT Bank Syariah Bukopin untuk tahun 2016 dan tahun 2015 masingmasing sebesar Rp50.000.000.000.

Total subordinated financing of PT. Bank Syariah Bukopin in 2016 and in 2015 amounting to Rp50,000,000,000, respectively.

22. DANA SYIRKAH TEMPORER

22. TEMPORARY SYIRKAH FUNDS

Dana syirkah temporer terdiri dari tabungan mudharabah dan deposito mudharabah sebagai berikut: 2016

Temporary syirkah fund consist of mudharabah saving deposits and mudharabah time deposits as follow: 2015

Bukan Bank Pihak ketiga: Tabungan mudharabah Tabungan Bisnis Perorangan Tabungan Bisnis Badan Usaha Tabungan Multiguna Tabungan Pendidikan Tabungan Bisnis AUM Tabungan Umroh

148.806.645.444 203.144.260.797 10.207.465.863 6.840.024.616 2.361.821.795 55.390.820

139.662.053.477 109.639.427.822 9.160.250.609 6.161.635.740 704.076.626 -

Non Bank Pihak ketiga: Mudharabah Savings Deposits Personal Business Savings Deposits Corporate Business Savings Deposits Multi purposes Savings Deposits Education Savings Deposits AUM Business Savings Deposits Umroh Savings Deposits

Jumlah

371.415.609.335

265.327.444.274

Total



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22. DANA SYIRKAH TEMPORER (lanjutan)

22. TEMPORARY SYIRKAH FUNDS (continued) 2016

Pihak berelasi: Tabungan mudharabah Tabungan Bisnis Badan Usaha Tabungan Multiguna Tabungan Bisnis perorangan Tabungan Pendidikan Tabungan Umroh Jumlah Jumlah tabungan mudharabah bukan bank Pihak ketiga: Deposito mudharabah Deposito Badan Usaha Deposito Perorangan Deposito Pemerintah Deposito Koperasi Jumlah Pihak berelasi: Deposito Mudharabah Deposito Perorangan Deposito Koperasi Jumlah deposito mudharabah bukan bank

Related parties: Mudharabah Savings Deposits Corporate Business Savings Deposits Multi purposes Savings Deposits Personal Business Savings Deposits Education Savings Deposits Umroh Savings Deposits

194.230.652 811.209.765 91.904.601 8.122.394 5.128.810

26.668.669 359.000 -

1.110.596.222

27.027.669

Total

265.354.471.943

Total non bank mudharabah savings deposits

372.526.205.557

2.977.714.609.674 853.238.971.213 443.466.140.332 36.945.323.021

2.620.994.834.684 768.147.742.124 324.360.000.000 90.627.323.747

4.311.365.044.240

3.804.129.900.555

Third Parties: Mudharabah Time Deposits Corporate Time Deposits Personal Time Deposits Government Time Deposits Cooperation Time Deposits Total Related Parties: Mudharabah Time Deposits Personal Time Deposits Cooperation Time Deposits

20.000.000.000 7.268.500.000

4.853.500.000 -

4.338.633.544.240

3.808.983.400.555

Total non bank mudharabah time deposits

Bank Pihak ketiga: Tabungan mudharabah Deposito mudharabah

16.625.068.803 178.931.326.000

16.073.357.478 227.420.354.000

Bank Third Parties: Mudharabah Savings Deposits Mudharabah Time Deposits

Jumlah tabungan mudharabah dan deposito mudharabah bank

195.556.394.803

243.493.711.478

Total mudharabah saving deposits and bank mudharabah time deposits

Tabungan mudharabah merupakan simpanan dana pihak lain yang mendapatkan imbalan bagi hasil dari pendapatan Bank atas penggunaan dana tersebut dengan nisbah yang ditetapkan dan disetujui sebelumnya.

Mudharabah saving deposits is other parties deposit which obtained benefit of profit sharing from Bank’s income over the usage of the fund with the accepted predeterminated profit sharing (nisbah).

Tingkat bagi hasil rata-rata untuk tabungan mudharabah masing-masing untuk tahun yang berakhir pada tanggal 31 Desember 2016 adalah berkisar setara 2,76% hingga 4,51% dan untuk yang berakhir pada tanggal 31 Desember 2015 3,62% hingga 5,41%.

The level of average profit sharing for mudharabah saving deposits for year ended on December 31, 2016 was equal to 2.76% to 4.51% and for the year ended on December 31, 2015 each was 3.62% to 5.41%.

Deposito mudharabah merupakan simpanan dana pihak lain yang mendapatkan imbalan bagi hasil dari pendapatan Bank atas penggunaan dana tersebut dengan nisbah yang ditetapkan dan disetujui sebelumnya dengan akad mudharabah muthlaqah.

Mudharabah time deposits is other parties deposit which obtained benefit of Bank’s income profit share over the usage of the fund with the agreed predetermined profit sharing (nisbah) using mudharabah muthlaqah contract.

Deposito mudharabah bank dan bukan bank berdasarkan jangka waktu penempatan adalah sebagai berikut:

The Bank and non bank mudharabah time deposits based on time period placement are as follows:

2016

64 |

2015

2015

1 bulan 3 bulan 6 bulan 12 bulan

2.609.262.875.406 1.209.978.494.472 365.148.819.406 154.243.354.956

2.332.991.310.920 1.122.952.992.718 203.159.900.514 149.879.196.403

1 month 3 month 6 month 12 month

Jumlah

4.338.633.544.240

3.808.983.400.555

Total



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22. DANA SYIRKAH TEMPORER (lanjutan)

22. TEMPORARY SYIRKAH FUND (continued)

Deposito mudharabah bank dan bukan bank berdasarkan sisa umur sampai dengan saat jatuh tempo adalah sebagai berikut:

The Bank and non Bank mudharabah time deposit based on remaining period to maturity are as follows:

2016

2015

≤ 1 bulan > 1 - 3 bulan > 3 - 6 bulan > 6 - 12 bulan

2.937.434.966.441 1.006.494.083.191 323.356.657.048 71.347.837.560

2.649.676.844.861 852.803.682.957 181.476.330.007 125.026.542.730

Jumlah

4.338.633.544.240

3.808.983.400.555

≤ 1 month > 1 - 3 month > 3 - 6 month > 6 - 12 month Total

Tingkat bagi hasil tingkat bagi hasil rata-rata untuk deposito mudharabah masing-masing untuk tahun yang berakhir pada tanggal 31 Desember 2016 adalah berkisar setara 4,81% hingga 5,12% dan 5,14% hingga 5,63% untuk yang berakhir pada tanggal 31 Desember 2015

The average profit sharing for mudharabah time deposit for the year ended December 31, 2016 was between 4.81% to 5.12% and 5.14% to 5.63%. for the year ended December 31, 2015.

Deposito mudharabah dengan akad mudharabah muthlaqah yang dijadikan sebagai jaminan atas piutang dan pembiayaan adalah masing-masing berjumlah Rp215.392.565.770 dan Rp53.794.000.000 pada tanggal 31 Desember 2016 dan 2015.

Mudharabah time deposits using mudharabah muthlaqah contract which collateralized for receivables and financing were Rp215,392,565,770 and Rp53,794,000,000 on December 31, 2016 and 2015, respectively.

23. EKUITAS

23. EQUITY

Ekuitas Bank tahun 2015 dan 2016 adalah sebagai berikut:

The Bank equity for the years 2015 and 2016 are as follow:

a.

a.

Berdasarkan Akta Pernyataan Keputusan Rapat Umum Pemegang Saham Luar Biasa No. 12 tertanggal 26 September 2015, yang dibuat dihadapan Adrian Djuaini, SH., Notaris di Jakarta, yang telah dicatat dalam data base sistem administrasi badan hukum Kementerian Hukum dan Hak Asasi Manusia Republik Indonesia tanggal 29 September 2015 No. AHU-3559590.AH.01.11 tahun 2015 mengenai penambahan modal ditempatkan dan disetor sebesar 2.000.000.000 saham seri C dengan nilai nominal Rp50,-. Dengan ketentuan dilaksanakan apabila telah memperoleh persetujuan dari Otoritas Jasa Keuangan Indonesia sesuai dengan peraturan Bank Indonesia No. 15/11/PBI/2013. Berdasarkan surat dari Otoritas Jasa Keuangan No.S-47/PB.31/2015 tanggal 04 Juni 2015 perihal persetujuan penambahan Penyertaan Modal Pada Bank Syariah Bukopin, Otoritas Jasa Keuangan telah menyetujui rencana penambahan penyertaan modal sebesar Rp100.000.000.000 pada tahun 2015 sebagaimana tercantum dari Surat Persetujuan Rencana Penambahan Modal PT Bank Bukopin, Tbk sebesar Rp200.000.000.000

Based on deed of Extraordinary General Meeting of Shareholders Decision No. 12 date September 26, 2015, made before Adrian Djuaini, SH., a notary in Jakarta, which was recorded in the legal entity database administration system of Ministry of Law and Human Rights of Republic of Indonesia dated September 29, 2015 No. AHU-3559590. AH.01.11 in 2015 regarding the increase of issued and fully paid capital stock amounting to 2.000.000.000 C series shares with par value Rp50,-. With the provision will be implemented subject to approval from Indonesian Financial Service Authority in accordance with Bank Indonesia regulation No. 15/11/PBI/2013.

Based on letter from Financial Service Authority No.S-47/PB.31/2015 dated June 4, 2015 regarding approval of capital addition to PT Bank Syariah Bukopin, Financial Authority Service has approved additional plan as Rp100,000,000,000 in 2015 as stated on Approval Letter of additional Capital Plan of PT Bank Bukopin, Tbk as Rp200,000,000,000 to PT Bank Syariah Bukopin, therefore the issued



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23. EKUITAS (lanjutan)

23. EQUITY (continued)

pada PT Bank Syariah Bukopin, maka modal saham yang telah ditempatkan dan disetor penuh pada tanggal 31 Desember 2015 adalah sebagai berikut :

and fully paid capital stock as of December 31, 2015 are as follow:

31 Desember/December 31, 2015

Nama pemegang saham

Jumlah saham/ Number of shares

Saham Seri A Drs. Hajriyanto Y Thohari,MA Emil Abeng DR. Abdul Munir Mulkhan Prof. DR.Ir.M.Amin Azis Firman Noor.SH Tee Suprapto Prof. DR. H. M. Dawam Raharjo, SE Ir. H. M. Dasron Hamid,M,Sc Drs. H. Sugeng

b.

0,031% 0,009% 0,008% 0,006% 0,004% 0,004% 0,003% 0,002% 0,002%

36.670.000.000 10.150.000.000 9.900.000.000 7.100.000.000 4.900.000.000 4.250.000.000 3.500.000.000 2.900.000.000 2.000.000.000

8.137.000

0,070%

81.370.000.000

50.000.000 90.000.000 420.000.000 350.000.000 350.000.000 350.000.000 80.000.000

0,427% 0,769% 3,590% 2,992% 2,992% 2,992% 0,684%

5.000.000.000 9.000.000.000 42.000.000.000 35.000.000.000 35.000.000.000 35.000.000.000 8.000.000.000

1.690.000.000

14.446%

169.000.000.000

10.000.000.000

85.484%

500.000.000.000

10.000.000.000

85.484%

100.000.000.000

11.698.137.000

100.00%

750.370.000.000

Berdasarkan berita acara rapat umum Luar Biasa No.19 tanggal 13 Desember 2016 yang dibuat di hadapan Adrian Djuaini, S.H., Notaris di Jakarta, yang telah dicatat dalam database sistem administrasi badan hukum Kementerian Hukum dan Hak Asasi Manusia Repubik Indonesia tanggal 30 Desember 2016 nomor AHU-0158841-AH.01.11 tahun 2016 mengenai penambahan modal ditempatkan dan disetor sebesar 2.000.000.000 saham seri C dengan nilai nominal Rp 50,-. Dengan ketentuan dilaksanakan apabila telah memperoleh persetujuan dari Otoritas Jasa Keuangan Indonesia sesuai dengan Peraturan Bank Indonesia No.15/11/PBI/2013. Berdasarkan surat dari Otoritas Jasa Keuangan Nomor S-137/PB.31/2016 tanggal 23 Desember 2016 perihal persetujuan rencana penambahaan penyertaaan modal oleh PT Bank Bukopin, Tbk sebesar Rp100.000.000.000,pada tahun 2016 sebagaimana tercantum dari surat PT Bank Bukopin, Tbk, maka modal saham yang telah ditempatkan dan disetor penuh pada tanggal 31 Desember 2016 adalah sebagai berikut:

66 |

Jumlah modal disetor/ Total paid-up capital

3.667.000 1.015.000 990.000 710.000 490.000 425.000 350.000 290.000 200.000

Saham Seri B Emil Abeng Prof. DR. Bambang Setiaji,M.Si PT Bank Bukopin,Tbk PT Bakrie Capital Indonesia PT Mega Capital Indonesia BPJS Ketenagakerjaan PT Mitra Usaha Sarana

Saham Seri C PT.Bank Bukopin,Tbk

Persentase kepemilikan/ Percentage of ownership

b.

Name of shareholders A Series Shares Drs. Hajriyanto Y Thohari,MA Emil Abeng DR. Abdul Munir Mulkhan Prof. DR.Ir.M.Amin Azis Firman Noor.SH Tee Suprapto Prof. DR. H. M. Dawam Raharjo, SE Ir. H. M. Dasron Hamid,M,Sc Drs. H. Sugeng

B Series Shares Emil Abeng Prof.DR.Bambang Setiaji,M.Si PT.Bank Bukopin,Tbk PT. Bakrie Capital Indonesia PT. Mega Capital Indonesia BPJS Ketenagakerjaan PT. Mitra Usaha Sarana

C Series Shares PT.Bank Bukopin,Tbk

Based on deed No.19 of Extraordinary General Shareholders’ Meeting dated December 13, 2016 made before Adrian Djuaini, SH., a notary in Jakarta, which was recorded in the legal entity database administration system of Ministry of Law and Human Rights of Republic of Indonesia dated December 30, 2016 No. AHU-0158841-AH.01.11 year 2016 regarding the increase of issued and fully paid capital stock amounting 2.000.000.000 C series shares with par value Rp50,-. With the provision will be implemented subject to approval from Indonesian Financial Service Authority in accordance with Bank Indonesia regulation No.15/11/PBI/2013. Based on letter No. S-137/PB.31/2016 dated December 23, 2016 from Financial Service Authority regarding the approval of the increasing plan of investment of shares by PT Bank Bukopin, Tbk amounting Rp100.000.000.000,- in the year 2016 as stated in the PT Bank Bukopin, Tbk letter, therefore the issued and fully paid capital stock as of December 31, 2016 are as follow:



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23. EKUITAS (lanjutan)

23. EQUITY (continued) 31 Desember/December 31, 2016

Nama pemegang saham

Jumlah saham/ Number of shares

Saham Seri A Drs. Hajriyanto Y Thohari,MA Emil Abeng DR. Abdul Munir Mulkhan Prof. DR.Ir.M.Amin Azis Firman Noor.SH Tee Suprapto Prof. DR. H. M. Dawam Raharjo, SE Ir. H. M. Dasron Hamid,M,Sc Drs. H. Sugeng

Persentase kepemilikan/ Percentage of ownership

Jumlah modal disetor/ Total paid-up capital

Name of shareholders

3.667.000 1.015.000 990.000 710.000 490.000 425.000 350.000 290.000 200.000

0,027% 0,007% 0,007% 0,005% 0,004% 0,003% 0,003% 0,002% 0,002%

36.670.000.000 10.150.000.000 9.900.000.000 7.100.000.000 4.900.000.000 4.250.000.000 3.500.000.000 2.900.000.000 2.000.000.000

8.137.000

0,060%

81.370.000.000

50.000.000 90.000.000 420.000.000 350.000.000 350.000.000 350.000.000 80.000.000

0,365% 0,657% 3,066% 2,555% 2,555% 2,555% 0,584%

5.000.000.000 9.000.000.000 42.000.000.000 35.000.000.000 35.000.000.000 35.000.000.000 8.000.000.000

1.690.000.000

12,337%

169.000.000.000

12.000.000.000

87,603%

600.000.000.000

12.000.000.000

87,603%

600.000.000.000

13.698.137.000

100,00%

850.370.000.000

Saham Seri B Emil Abeng Prof. DR. Bambang Setiaji,M.Si PT Bank Bukopin,Tbk PT Bakrie Capital Indonesia PT Mega Capital Indonesia BPJS Ketenagakerjaan PT Mitra Usaha Sarana

Saham Seri C PT.Bank Bukopin,Tbk

24. PENDAPATAN PENGELOLAAN DANA OLEH BANK SEBAGAI MUDHARIB Akun ini merupakan pendapatan yang diperoleh dari: 2016

A Series Shares Drs. Hajriyanto Y Thohari,MA Emil Abeng DR. Abdul Munir Mulkhan Prof. DR.Ir.M.Amin Azis Firman Noor.SH Tee Suprapto Prof. DR. H. M. Dawam Raharjo, SE Ir. H. M. Dasron Hamid,M,Sc Drs. H. Sugeng

B Series Shares Emil Abeng Prof.DR.Bambang Setiaji,M.Si PT.Bank Bukopin,Tbk PT. Bakrie Capital Indonesia PT. Mega Capital Indonesia BPJS Ketenagakerjaan PT. Mitra Usaha Sarana

C Series Shares PT.Bank Bukopin,Tbk

24. REVENUE FROM FUND MANAGEMENT BY THE BANK AS MUDHARIB This accounts is revenue obtained from:

2015

Pendapatan dari jual beli Pendapatan margin murabahah Pendapatan bersih istishna

241.307.338.757 1.111.458.133

262.892.894.801 1.394.404.747

Revenue from sales and purchase Murabahah margin income Istishna Net Income

Jumlah pendapatan dari jual beli

242.418.796.890

264.287.299.548

Income from sales and purchase

Pendapatan dari bagi hasil Pendapatan bagi hasil mudharabah Pendapatan bagi hasil musyarakah

49.259.767.483 243.399.145.969

43.815.345.983 162.988.248.300

Revenue from profit sharing Mudharabah profit sharing Musyarakah profit sharing

Jumlah pendapatan bagi hasil

292.658.913.452

206.803.594.283

Income from profit sharing

27.249.875.000

20.379.885.748

10.622.157.430

10.009.840.167

Other main operating income Income from placements with Bank Indonesia Income from marketable securities

Pendapatan usaha utama lainnya: Pendapatan dari penempatan pada Bank Indonesia Pendapatan bagi hasil surat berharga



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24. PENDAPATAN PENGELOLAAN DANA OLEH BANK SEBAGAI MUDHARIB (lanjutan)

Pendapatan bagi hasil penempatan pada bank lain Investasi mudharabah antar bank Ijarah Jumlah pendapatan usaha utama lainnya Jumlah pendapatan pengelolaan dana oleh Bank Sebagai mudharib

24. REVENUE FROM FUND MANAGEMENT BY THE BANK AS MUDHARIB (continued)

2016

2015

1.938.407.149 263.069.763 18.179.736

3.700.127.412 84.449.376 -

40.091.689.078

34.174.302.703

Total other main operating income

575.169.399.420

505.265.196.534

Total revenue from Fund management as Mudharib

Income from placements with other bank Inter bank mudharabah investment Ijarah

25. HAK PIHAK KETIGA ATAS BAGI HASIL DANA SYIRKAH TEMPORER

25. THIRD PARTIES’ SHARE ON RETURN OF TEMPORARY SYIRKAH FUNDS

Akun ini merupakan distribusi bagi hasil untuk para nasabah:

This account represents distribution of profit sharing to the customer:

2016 Dana bagi hasil deposito badan usaha Deposito perorangan Dana bagi hasil deposito lainnya Tabungan mudharabah Deposito mudharabah bank lain Dana bagi hasil Departemen Koperasi Dana bagi hasil IMA Jumlah

2015

234.843.830.464 65.499.133.319 36.058.608.496 16.587.267.282 13.219.210.389

217.639.624.174 59.528.828.622 19.824.326.476 16.449.341.889 16.399.817.236

4.433.431.398 3.175.153.894

7.198.674.126 6.234.821.093

Profit sharing of corporate deposit Time deposits individuals Profit sharing of other time deposits Mudharabah savings Mudharabah time deposit–other Bank Profit sharing funds from Ministry of Cooperation Profit sharing funds IMA

373.816.635.242

343.275.433.616

Total

26. PENDAPATAN USAHA LAINNYA

26. OTHER OPERATING INCOME

Pendapatan ini berasal dari: 2016 66.627.876.428 30.074.485.234

17.666.915.219 43.149.570.073

Fee based income from banking service Others

Jumlah

96.702.361.662

60.816.485.292

Total

27. BEBAN GAJI DAN TUNJANGAN

27. SALARY AND BENEFIT EXPENSES 2016

68 |

2015

Pendapatan imbalan jasa perbankan Pendapatan lainnya

2015

Beban gaji, upah, tunjangan dan kesejahteraan karyawan Beban premi Beban biaya manfaat karyawan Beban pengobatan

75.917.411.752 8.398.747.353 5.878.774.298 1.098.928.985

60.104.119.732 7.087.866.713 5.417.068.500 535.888.346

Salaries, wages, allowance and benefits for employees Insurance premium Employee’s benefit expense Medical expenses

Jumlah

91.293.862.388

73.144.943.291

Total



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28. BEBAN UMUM DAN ADMINISTRASI

28. GENERAL AND ADMINISTRATIVE EXPENSES 2016

2015

Beban sewa

10.474.151.141

9.725.862.247

Beban premi penjaminan Beban outsourcing Beban penyusutan Beban listrik, telepon, air dan gas Beban promosi Beban pemeliharaan dan perbaikan Beban pelatihan Beban transportasi Beban cetakan dan alat tulis Beban otoritas jasa keuangan Beban perjalanan dinas Beban administrasi Bank Beban premi asuransi Beban jamuan Beban jasa tenaga ahli Beban penggunaan ATM Lainnya

10.301.279.073 9.068.432.045 8.609.080.099

8.724.833.856 8.363.615.959 8.723.254.413

7.373.649.298 7.074.877.079

6.957.006.630 3.280.457.017

Rent Insurance premium related to third parties fund guarantee Outsourcing Depreciation Electricity, telephone, water and gas Promotion

4.898.347.770 3.468.050.509 3.234.213.098 3.058.005.925 2.846.944.488 2.682.832.512 1.981.366.672 1.514.953.038 1.512.566.256 897.530.666 44.353.564 1.900.525.826

3.994.400.869 2.902.683.176 2.951.847.219 2.389.613.843 2.284.646.536 2.008.560.726 519.754.258 1.388.342.494 1.062.436.874 1.099.783.766 585.983.711 882.357.068

Repairs and maintenance Training Transportation Stationery and printing Financial Authority Service charges Business trip Bank Administration Insurance premium Entertainment Professional fees ATM expenses Others

Jumlah

80.941.159.059

67.845.440.662

Total

29. BEBAN CADANGAN KERUGIAN PENURUNAN NILAI ASET PRODUKTIF 2016 Penempatan pada bank lain (catatan 4) Piutang (Catatan 6) Qardh (catatan 7) Pembiayaan Mudharabah (Catatan 8) Pembiayaan musyarakah (Catatan 9) Jumlah

29. PROVISION FOR IMPAIRMENT LOSSES OF EARNINGS ASSETS 2015

31.796.212.254 2.671.709

51.060.320 11.427.618.407 2.839.771

Placements with other banks (Note 4) Receivables (Note 6) Qardh (Note 7) Pembiayaan

3.790.260.316

1.679.991.508

Mudharabah Financing (Note 8)

22.086.517.902

9.372.472.402

Musyarakah Financing (Note 9)

57.675.662.181

22.533.982.408

Total

30. BEBAN BONUS SIMPANAN WADIAH

30. WADIAH SAVINGS BONUS EXPENSES 2016

2015

Tabungan wadiah Giro wadiah Giro pada bank lain

6.684.434.208 2.616.931.207 63.926.730

8.391.002.771 2.514.732.681 64.287.191

Wadiah savings deposits Wadiah demand deposits Demand deposits in other Banks

Jumlah

9.365.292.145

10.970.022.643

Total

31. ESTIMASI LIABILITAS IMBALAN KERJA

Bank telah mencatat liabilitas dan imbalan pasca kerja masing-masing untuk tahun yang berakhir pada tanggal 31 Desember 2016 dan 2015 menurut

31. ESTIMATED LIABILITIES FOR EMPLOYEE BENEFITS The Bank has recorded liabilities and expense from post-employment benefit for the year ended December 31, 2016 and 2015,



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31. ESTIMASI (lanjutan)

LIABILITAS

IMBALAN

KERJA

FOR

EMPLOYEE

Undang-Undang Tenaga Kerja No.13/2003 berdasarkan perhitungan aktuaria yang dilakukan oleh PT Milliman Indonesia, aktuaris independen, berdasarkan laporan No.0450/MI-PAREP/HG/II/2017 bertanggal 17 Februari 2017 dan laporan No.0258/MI-PA-REP/HG/I/2016 bertanggal 22 Januari 2016.

respectively and according to Labor Law No. No.13/2003, based on the actuarial calculation performed by PT Milliman Indonesia, the independent actuary, based on their reports No.0450/MI-PA-REP/HG/II/2017 dated February 17, 2017 and No.0258/MI-PA-REP/HG/I/2016 dated 22 Januari.

Asumsi-asumsi dasar yang digunakan untuk menghitung kewajiban imbalan kerja karyawan sesuai Undang-undang No.13/2003 pada tanggal 31 Desember 2016 dan 2015 adalah sebagai berikut:

The basic assumptions used for calculating the employee’s benefits in accordance with Law No.13/2003 on December 31, 2016 and 2015 were as follows:

2016 Tingkat suku diskonto pertahun Tingkat kenaikan gaji pertahun Usia pensiun Tabel mortalita Metode penilaian

2015

6,5% 9,25 % 7% 7,5 % 55 tahun 55 tahun TMI III (2011) TMI III (2011) Projected Unit Credit

Beban yang diakui dalam laporan laba rugi dan penghasilan komprehensif lain adalah sebagai berikut:

Annual discount rate Annual increasing rate Retirement age Mortality table Valuation Method

Expenses recognized in the statement of profit or loss and other comprehensive income are as follows:

2016

2015

Biaya jasa kini Biaya Bunga

1.671.566.000 1.064.976.000

1.292.517.000 976.357.000

Current service cost Interest cost

Jumlah

2.736.542.000

2.268.874.000

Total

Mutasi atas nilai kini kewajiban imbalan kerja adalah sebagai berikut:

2016 Liabilitas pada awal tahun Beban imbalan kerja tahun berjalan Beban (pendapatan) yang diakui dalam pendapatan komprehensif lain Manfaat yang dibayarkan Jumlah

Changes in present value of estimated liabilities for employee benefits are as follows:

2015

11.513.259.000

11.499.380.000

2.736.542.000

2.268.874.000

182.087.000 14.431.888.000

32. TRANSAKSI PIHAK BERELASI Dalam kegiatan perbankan, Bank melakukan transaksi signifikan dengan pihak-pihak berelasi sebagai berikut:

70 |

31. ESTIMATED LIABILITIES BENEFITS (continued)

(2.229.351.000) (25.644.000)

Liabilities on the beginning of the year Current year employee benefit expenses Expense (income) recognized in the other comprehensive income Benefit payments

11.513.259.000

Total

32. TRANSACTION WITH RELATED PARTIES For banking activities, the Bank has performed the following significant transactions with related parties:



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32. TRANSAKSI PIHAK BERELASI (lanjutan)

Pihak berelasi/ Related parties

32. TRANSACTION (continued)

Sifat dari hubungan/ Nature of relationship

WITH

RELATED

PARTIES

Sifat dari transaksi/ Nature of transaction

Pemegang saham/ Share holder

Giro dan penempatan pada bank lain Current account and placement with other bank

PT Mitra Usaha Sarana

Pemegang saham/ Share holder

Giro wadiah, piutang murabahah, pembiayaan musyarakah Wadiah demand deposit, murabahah receivables, musyarakah financing

PT Mitra Data Sarana

Hubungan kepengurusan/ Management relationship

Giro wadiah, piutang murabahah, piutang istishna Wadiah demand deposit, murabahah receivables, Istishna receivable

MKKM PDM Kota Surakarta

Hubungan kepengurusan/

Giro wadiah, piutang murabahah Wadiah demand deposit, murabahah receivables

Koperasi Karyawan BSB

Hubungan finansial/ Financial relationship

Giro wadiah, pembiayaan mudharabah Wadiah demand deposit, mudharabah financing

Dewan Pengawas Syariah

Manajemen kunci/ Key management

Piutang murabahah Murabahah receivables

Bambang Setiaji

Pemegang saham/ komisaris Share holder/Commissioner

Piutang murabahah, tabungan Murabahah receivables, saving

Karyawan kunci/Key Employee

Hubungan pengendalian Kegiatan Bank/ Control relationship on Bank’s activities

Piutang murabahah, tabungan wadiah, tabungan mudharabah, deposito mudharabah Murabahah receivables, wadiah saving, mudharabah saving, mudharabah time deposit

PT Bank Bukopin Tbk

Saldo aset, liabilitas dan dana syirkah temporer dengan pihak-pihak berelasi adalah sebagai berikut:

Balances of assets, liabilities and temporary syirkah funds with related parties are as follows:

2016 Aset Penempatan pada bank lain (Catatan 4) Piutang murabahah (Catatan 6) Piutang istishna (Catatan 6) Pinjaman qardh (Catatan 7) Pembiayaan mudharabah (Catatan 8) Pembiayaan musyarakah (Catatan 9) Jumlah Persentase terhadap aset Liabilitas Giro wadiah (Catatan 15) Tabungan wadiah(Catatan 15) Pinjaman subordinasi (Catatan 21)

2015 Assets Placements with other banks (Note 4) Murabahah receivables (Note 6) Istishna reveivables (Note 6) Funds of qardh(Note 7)

253.911.497.137

239.440.536.946

19.311.405.899 175.096.661

20.363.648.099 198.097.154 277.642.665

-

8.643.177.600

Mudharabah financing (Note 8)

26.650.000.000

3.688.966.728

Musyarakah financing (Note 9)

300.047.999.697

272.612.069.192

Total

4,27%

4.68%

Percentage to asset

668.040.591 4.482.223.979

871.602.542 3.862.146.542

Liabilities Wadiah demand deposits (Note 15) Wadiah savings (Note 15)

50.000.000.000

50.000.000.000

Subordinated financing (Note 21)



| 71 06/04/2017 20:54:59






32. TRANSAKSI PIHAK BERELASI (lanjutan)

32. TRANSACTION (continued)

WITH

RELATED

PARTIES

2016

2015

3.844.327.654

3.849.480.958

Savings with other banks (Note 16)

58.994.592.224

58.583.230.042

Total

4,48%

6,68%

Percentage to liabilities

Dana Syirkah Temporer (Catatan 22) Tabungan mudharabah Deposito mudharabah

1.110.596.222 27.268.500.000

27.027.669 4.853.500.000

Jumlah

28.379.096.222

4.880.527.669

0,58%

0,08%

Simpanan dari bank lain (Catatan 16) Jumlah Persentase terhadap liabilitas

Persentase terhadap jumlah dana syirkah temporer

33. KOMITMEN DAN KONTINJENSI

Temporary syirkah funds (Note 22) Mudharabah savings Mudharabah time deposit Total

Percentage to temporary syirkah funds

33. COMMITMENTS AND CONTINGENCIES

Berikut adalah komitmen dan kontinjensi pada tanggal 31 Desember 2016 dan 2015. 2016

The commitments and contingencies as of December 31, 2016 and 2015 are as follows: 2015

Tagihan Kontinjensi Pendapatan margin/bagi hasil dalam penyelesaian *) Aset produktif yang dihapusbukukan *)

19.112.804.075

10.102.247.233

Contingencies receivables Margin/profit sharing income in settlement

19.786.339.649

11.837.081.442

Written-off earning assets

Jumlah

38.899.143.724

21.939.328.675

Liabilitas Kontinjensi Bank garansi yang diterbitkan

1.467.570.264.840

1.435.290.207.799

Jumlah

1.467.570.264.840

1.435.290.207.799

Total

Contingencies liabilities Bank guarantees issued

*) tidak diaudit

*) unaudited

34. JAMINAN PEMERINTAH TERHADAP KEWAJIBAN PEMBAYARAN BANK UMUM

34. GOVERNMENT GUARANTEES OBLIGATIONS OF COMMERCIAL BANKS

72 |

Total

ON

Berdasarkan Undang-undang No. 24 tanggal 22 September 2004, efektif sejak tanggal 22 September 2005, sebagaimana diubah dengan Peraturan Pemerintah Pengganti Undang-undang Republik Indonesia No. 3 tanggal 13 Oktober 2008, Lembaga Penjaminan Simpanan(LPS) dibentuk untuk menjamin kewajiban tertentu bank-bank umum berdasarkan program penjaminan yang berlaku, yang besaran nilai jaminannya dapat berubah jika memenuhi kriteria tertentu yang berlaku.

Based on Law No. 24, dated September 22, 2004, effective on September 22, 2005, as amended by Government Regulation of the Republic of Indonesia for Substitute of Law No. 3 dated October 13, 2008, the Government established the Indonesia Deposit Insurance Institution (LPS) to guarantee certain liabilities of commercial banks based on the prevailing guarantee programs, in which the guaranteed amount may change if they meet certain specified criteria.

Berdasarkan Peraturan LPS No. 2 tanggal 25 November 2010, simpanan yang dijamin meliputi giro, deposito berjangka, sertifikat deposito, tabungan dan simpanan dari bank lain.

Based on LPS Regulation No. 2 dated November 25, 2010, the deposits guaranteed included demand deposits, time deposits, certificates of deposits, savings deposits and deposits from other banks.



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34. JAMINAN KEWAJIBAN (lanjutan)

PEMERINTAH PEMBAYARAN

TERHADAP BANK UMUM

34. GOVERNMENT OBLIGATIONS OF (continued)

GUARANTEES ON COMMERCIAL BANKS

Berdasarkan Peraturan Pemerintah Republik Indonesia No. 66 tahun 2008 tanggal 13 Oktober 2008, tentang “Besarnya Nilai Simpanan yang Dijamin Lembaga Penjaminan Simpanan”, maka pada tanggal-tanggal 31 Desember 2016 dan 2015, jumlah simpanan yang dijamin LPS adalah simpanan sampai dengan Rp2.000.000.000 (disajikan dalam nilai penuh) untuk per nasabah per bank. Simpanan nasabah dijamin hanya jika tingkat bagi hasil sama dengan atau dibawah 6,25% dan 7,25% masing-masing pada tanggal-tanggal 31 Desember 2016 dan 2015. Pada tanggal-tanggal 31 Desember 2016 dan 2015, Bank adalah peserta dari program penjaminan tersebut.

Based on the Government Regulation of the Republic Indonesia No. 66 Year 2008, dated October 13, 2008, regarding “the Amount of Public Savings Guaranteed by the Government Established Deposit Insurance Institution”, as of December 31, 2016 and 2015, the amount of savings that are guaranteed by LPS are amounted to Rp2,000,000,000 (in full amount) for each customer, each bank. Savings are guaranteed only if the margin rate is equal or less than 6.25% and 7.25% as of December 31, 2016 and 2015, respectively. As of December 31, 2016 and 2015, the Bank is a participant of the government guarantee program.

35. ANALISA JATUH TEMPO ASET, LIABILITAS DAN DANA SYIRKAH TEMPORER BERDASARKAN PERIODE YANG TERSISA

35. MATURITY ANALYSIS OF ASSETS, LIABILITIES AND TEMPORARY SYIRKAH FUNDS BASED ON REMAINING PERIOD

Tabel di bawah menyajikan aset, liabilitas dan dana syirkah temporer Bank yang dikelompokkan berdasarkan periode yang tersisa sejak tanggal 31 Desember 2016 dan 2015 sampai jatuh temponya.

The following table provide the details of Bank’s assets, liabilities and temporary syirkah fund which categorized based on remaining period from December 31, 2016 dan 2015 until its due date. 2016

Jumlah/ Total Aset Kas Giro dan penempatan pada Bank Indonesia Penempatan pada bank lain Investasi pada surat berharga Piutang Pinjaman qardh Pembiayaan mudharabah Pembiayaan musyarakah Aset yang diperoleh untuk ijarah (bersih) Aset tetap - bersih Aset pajak tangguhan Aset lain - lain Jumlah Aset – Gross Cadangan kerugian penurunan nilai Jumlah Aset – Neto Liabilitas Liabilitas segera Bagi hasil yang belum dibagikan Simpanan wadiah Simpanan dari bank lain Utang pajak Pinjaman diterima Liabilitas lain lain Pinjaman subordinasi

Kurang dari 1 bulanI Less than 1 month

Lebih dari 1-3 bulan/ More than 1-3 months


Lebih dari 1-5 tahun/ More than 1-5 years

Lebih dari 5 tahun/ More than 5 years

47.443.855.450

47.443.855.450

-

-

-

-

1.522.595.026.916 263.179.886.813 114.511.694.709 2.276.013.128.982 645.553.269 348.369.473.857 2.174.394.177.036

1.522.595.026.916 263.179.886.813

-

-

6.032.540.922 127.487.252 7.486.356.551 192.699.758.465

12.729.117.327 307.214.726 7.755.265.372 91.702.322.587

26.593.151.255 72.351.622 22.706.276.384 222.782.265.564

50.000.000.000 1.132.291.761.378 138.499.669 215.579.583.584 854.558.196.854

64.511.694.709 1.098.366.558.100 94.841.991.966 812.651.633.566

63.640.309 138.778.848.597 17.567.445.900 216.527.600.053

35.353.778.698 468.750.000 163.475.797.855

-

-

-

37.132.546

37.415.368

52.977.254.284

63.640.309 103.425.069.899 17.098.695.900 -

7.120.090.331.891

2.238.863.238.922

112.531.052.558

272.191.460.193

2.305.545.295.769

2.190.959.284.449

(100.491.755.878 )

Assets Cash Current account and Placements with Bank Indonesia Placements with other banks Investment in Marketable securities Receivables Funds of qardh Mudharabah financing Musyarakah financing Asset acquired For ijarah (net) Premises and equipment – net Deferred tax assets Others assets Total Assets – Gross

Allowance for Impairments losses

7.019.598.576.013

Total Assets– Net Liabilities Obligation due immediately Undistributed revenue sharing Wadiah deposits Deposits from other banks Taxes payable Funds borrowings Other liabilities Subordinated financing

11.205.254.986 7.958.094.687 731.448.248.775 380.941.938.683 10.178.164.254 49.780.291.300 72.802.277.458 50.000.000.000

6.245.347.455 7.958.094.687 731.448.248.775 380.941.938.683 10.178.164.254 8.685.872.825 42.923.252.845 -

4.959.907.531 21.293.959.619 21.294.527.364 -

19.800.458.856 7.141.851.827 -

1.442.645.422 50.000.000.000

-

Jumlah Liabilitas

1.314.314.270.143

1.188.380.919.524

47.548.394.514

26.942.310.683

51.442.645.422

-

Total liabilities

Dana Syirkah Temporer Tabungan mudharabah Deposito mudharabah

389.151.274.360 4.517.564.870.240

331.996.598.426 3.116.366.292.441

57.154.675.934 1.006.494.083.191

323.356.657.048

71.347.837.560

-

Temporary Syirkah funds Mudharabah saving deposits Mudharabah time deposit

Jumlah Dana Syirkah Temporer

4.906.716.144.600

3.448.362.890.867

1.063.648.759.125

323.356.657.048

71.347.837.560

-

Total Temporary Syirkah funds

2.182.754.812.787

2.190.959.284.449

Maturity gap

Perbedaan jatuh tempo

798.568.161.270

(2.397.880.571.469)

(998.666.101.081 )

(78.107.507.538)



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35. ANALISA JATUH TEMPO ASET, LIABILITAS DAN DANA SYIRKAH TEMPORER BERDASARKAN PERIODE YANG TERSISA (lanjutan)

35. MATURITY ANALYSIS OF ASSETS, LIABILITIES AND TEMPORARY SYIRKAH FUNDS BASED ON REMAINING PERIOD (continued) 2015

Kurang dari 1 bulanI Less than 1 month

Jumlah/ Total Aset Kas Giro dan penempatan pada Bank Indonesia Penempatan pada bank lain Investasi pada surat berharga Piutang Pinjaman qardh Pembiayaan mudharabah Pembiayaan musyarakah Aset yang diperoleh untuk ijarah (bersih) Aset tetap - bersih Aset pajak tangguhan Aset lain - lain Jumlah Aset – Gross Cadangan kerugian penurunan nilai Jumlah Aset – Neto


Lebih dari 1-5 tahun/ More than 1-5 years

Lebih dari 5 tahun/ More than 5 years

47.117.502.750

47.117.502.750

-

-

-

-

893.611.748.030 273.872.639.703 124.409.668.669 2.234.729.454.039 817.415.176 408.708.682.815 1.662.804.963.459

893.611.748.030 273.872.639.703 5.650.855.324 155.856.524 668.100.255 12.256.332.470

10.000.000.000 5.495.425.654 277.624.565 1.834.235.554 28.221.456.552

29.363.315.829 78.428.446 20.409.654.416 379.240.281.432

60.000.000.000 827.738.640.456 305.505.641 338.033.446.200 930.873.285.807

54.409.668.669 1.366.481. 216. 776 47.763.246.390 312.213.607.198

70.985.556 110.754.424.324 19.827.399.655 123.485.658.973

118.996.200.539

10.554.322

2.710.453.876

1.768.450.236

70.985.556 110.754.424.324 19.827.399.655 -

5.900.210.543.149

1.352.329.235.595

45.839.296.647

431.802.133.999

2.158.719.328.340

1.911.520.548.568

(73.057.015.824 )

Asset acquired For ijarah (net) Premises and equipment – net Deferred tax assets Others assets Total Assets – Gross

Total Assets– Net

13.556.925.019 7.912.763.509 681.966.185.610 5.800.559.489 12.673.908.555 49.780.291.300 54.547.945.673 50.000.000.000

5.958.145.138 681.966.185.610 4.800.559.489 8.685.872.825 31.472.601.130 -

438.465.009 12.673.908.555 21.293.959.619 11.225.332.458 -

Jumlah Liabilitas

876.238.579.155

732.883.364.192

Dana Syirkah Temporer Tabungan mudharabah Deposito mudharabah

281.427.829.421 4.036.403.754.555

Jumlah Dana Syirkah Temporer

4.317.831.583.976 633.083.364.194

Assets Cash Current account and palcements with Bank Indonesia Placements with other banks Investing in Marketable securities Receivables Funds of qardh Mudharabah financing Musyarakah financing

Allowance for Impairments losses

5.827.153.527.325

Liabilitas Liabilitas segera Bagi hasil yang belum dibagikan Simpanan wadiah Simpanan dari bank lain Utang pajak Pinjaman diterima Liabilitas lain lain Pinjaman subordinasi

Perbedaan jatuh tempo

19.800.458.856 10.871.126.453 -

978.885.632 -

50.000.000.000

Liabilities Obligation due immediately Undistributed revenue sharing Wadiah deposit Deposit from other banks Taxes payable Funds borrowings Other liabilities Subordinated financing

45.631.665.641

46.744.663.690

978.885.632

50.000.000.000

Total liabilities

265.354.471.943 2.332.991.310.920

1.122.952.992.718

16.073.357.478 580.459.450.917

-

-

Temporary Syirkah funds Mudharabah saving deposits Mudharabah time deposits

2.598.345.782.863

1.122.952.992.718

596.532.808.395

-

-

Total Temporary Syirkah funds

2.157.740.442.708

1.861.520.548.568

Maturity gap

(1.978.899.911.460) (1.122.745.361.712)

36. MANAJEMEN RISIKO

74 |


7.160.314.872 7.912.763.509 1.000.000.000 -

(211.475.338.086 )

36. RISK MANAGEMENT

Bank dalam menjalankan usahanya senantiasa dihadapkan pada berbagai risiko. Seiring dengan berkembangnya bisnis Bank, risiko yang dihadapi Bank menjadi semakin kompleks. Bank dituntut untuk mampu menerapkan manajemen risiko yang handal agar dapat beradaptasi dengan kompleksitas kegiatan usaha tersebut. Prinsip-prinsip manajemen risiko yang diterapkan harus dapat mendukung Bank untuk lebih berhati-hati seiring dengan perkembangan kegiatan usaha dan operasional perbankan yang sangat pesat.

The Bank in running its business continuosly facing various risks. In relation with Bank business development, the Bank is facing more complex risks. Bank is expected to be able implement reliable risk management which adaptable to the complexity of its business activities. The implemented risk management principles should support Bank to be more cautios in relation with business activity development and rapid banking operation.

Bank menerapkan manajemen risiko secara terintegrasi dengan mengedepankan prinsip kehatihatian. Hal tersebut bertujuan untuk mencapai pertumbuhan yang sehat dan berkelanjutan, serta mengoptimalkan pendapatan.

The Bank implemented integrated risk management by emphasize prudential principles. It purposes to achieve healthy and sustainable growth, and optimize revenue.

Dalam menjalankan usahanya, Bank menghadapi risiko utama yaitu risiko kredit, risiko pasar, risiko

In running its business, the Bank is facing main risks namely credit risk, market risk, liquidity risk,



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36. MANAJEMEN RISIKO (lanjutan)

36. RISK MANAGEMENT (continued)

likuiditas, risiko operasional, risiko hukum, risiko strategik, risiko reputasi, dan risiko kepatuhan. PT. Bank Syariah Bukopin mengelola risiko-risiko tersebut melalui proses mengidentifikasi, mengukur, memitigasi dan memantau risiko yang berdampak terhadap bisnis, operasional dan organisasi.

operation risk, legal risk, strategic risk, reputation risk, and compliance risk. PT. Bank Syariah Bukopin managed those risks through process of identifying, measuring, mitigating and monitoring risk which impact to business, operation and organization.

a.

a.

Risiko Kredit

Credit Risk

Risiko Kredit adalah risiko akibat kegagalan nasabah atau pihak lain dalam memenuhi kewajiban kepada Bank sesuai dengan perjanjian yang disepakati.

Credit risk is a risk of customer’s failure or other parties in fulfill their obligation to the Bank in accordance with the agreed contract.

Upaya yang dilakukan Bank untuk mengurangi eksposur risiko kredit, diantaranya melalui berbagai langkah mitigasi risiko pembiayaan dengan menggunakan sejumlah teknik seperti agunan dan jaminan untuk melindungi Bank dari kemungkinan kerugian yang disebabkan oleh nasabah non-performing. Teknik mitigasi risiko kredit memungkinkan Bank untuk mengurangi kerugian yang diakibatkan terjadinya pemburukan kualitas pembiayaan. Sebagai tindakan preventif dilakukan peningkatan kualitas sumber daya menusia melalui pelatihan dan pendidikan pengelola kredit baik secara intern maupun ekstern.

The Bank’s efforts to reduce credit risk exposure among other things are through various financing risk mitigation step by using several techniques such as collateral and guarantees to protect Bank from loss possibility which caused by non-performing customers. Technique of credit risk mitigation allows Bank to reduce loss which caused by bad financing quality. For preventive action the Bank conducted human resources quality improvement through training and education of credit management both internal and external.

Tindakan yang diambil oleh Bank untuk meminimalkan risiko kredit diantaranya sebagai berikut:

Actions taken by Bank to minimize credit risk among other things are:

1.

Menentukan segmentasi bisnis utama yang menjadi andalan dalam menyalurkan pembiayaan.

1. Determine main business segmentation which become priority in channeling the financing.

2.

Pemisahan penanganan komersil dan UKM.

pembiayaan

2. Separation commercial and SMES financing handling.

3.

Mengembangkan Sistem Informasi Mikro Syariah untuk pembiayaan mikro dan konsumen sebagai alat yang membantu untuk mengurangi risiko pembiayaan.

3. Develop Sharia Micro Information System for micro financing and consumer as a support device to reduce financing risk.

4.

Menetapkan target market nasabah dalam rangka mengantisipasi terjadinya NonPerforming Financing (NPF).

4. Set customer market target in order to anticipate Non-Performing Financing (NPF).

5.

Melakukan analisa portofolio terhadap pembiayaan yang diberikan baik berdasarkan segmen bisnis maupun sektor industri.

5. Perform portfolio analysis towards financing based on business segment or industry segment.

6.

Melakukan analisis berupa kajian stress testing.

6. Perform analysis such as stress testing analysis.



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36. MANAJEMEN RISIKO (lanjutan) b.

Risiko Pasar

76 |

b.

Market Risk

Risiko pasar adalah risiko akibat perubahan harga pasar, antara lain risiko dari perubahan nilai aset yang dapat diperdagangkan atau disewakan. Bank hanya terekspos risiko pasar pada banking book, dikarenakan Bank belum memiliki portofolio trading book.

Market risk is a risk caused by a change of market price, they are risk from asset value change which may able to traded or rent. Bank only exposed market risk on banking book because Bank does not have trading book portfolio.

Aktivitas Manajemen Risiko yang dilakukan oleh Bank untuk mengelola risiko pasar adalah:

Risk management activities performed by the Bank to manage market risk are as follows:

1.

Melakukan review terhadap kebijakan dan prosedur operasi standar yang terkait dengan pengelolaan risiko pasar.

1.

Perform review towards policy and standard operation procedure which related to market risk management.

2.

Melakukan monitoring terhadap perkembangan tingkat suku bunga di pasar dan menganalisa pengaruhnya terhadap kinerja Bank.

2.

Perform monitoring towards rate rank development in the market and analyze the influence to Bank performance.

3.

Perform market risk stress test.

3. c.


Melaksanakan stress test risiko pasar

Risiko Likuiditas

c. Liquidity Risk

Risiko likuiditas adalah risiko akibat ketidakmampuan Bank untuk memenuhi kewajiban. Seiring dengan perkembangan bisnis Bank, risiko likuiditas merupakan salah satu risiko yang menjadi perhatian utama Bank. Risiko ini dapat terjadi akibat pertumbuhan pembiayaan bank yang lebih besar dibanding dengan pertumbuhan dana pihak ketiga. Perbedaan antara ketersediaan sumber dana dan jatuh tempo pinjaman dapat menyebabkan

Liquidity Risk is a risk derived from incompetence of the Bank to fulfill its obligation. In relation with Bank business development, liquidity risk is becoming one of the risks of Bank major concern. This risk may happen as a result of bank financing growth are bigger than third party fund growth. The differentiation between fund sources availability and loan maturity can cause difficulties in fulfilling the obligations of bank to other customers and parties. Besides

kesulitan dalam memenuhi kewajiban bank kepada nasabah dan pihak lainnya. Disamping itu likuiditas Bank juga dipengaruhi struktur dana, likuiditas aset dan komitmen pembiayaan kepada nasabah

Bank liquidity also influence from fund structure, assets liquidity and financing commitment to the customers.

Tindakan yang diambil oleh Bank untuk meminimalkan risiko likuiditas diantaranya sebagai berikut:

Some measures to reduce the risk of liquidity made by the Bank including the following:

1.

Melakukan review terhadap kebijakan dan prosedur operasi standar yang terkait dengan pengelolaan risiko likuiditas.

1.

Conduct a review of policies and standard operating procedures related to the management of liquidity risk

2.

Melakukan monitoring terhadap kondisi likuiditas Bank secara berkala melalui beberapa rasio likuiditas seperti Financing to Deposit Ratio (FDR), rasio kewajiban antar-bank, arus kas dan liquidity gap.

2.

Conduct monitoring of the condition of the Bank’s liquidity on a regular basis through several liquidity ratios such as Financing to Deposit Ratio (FDR), the ratio of inter-bank liabilities, cash flows and liquidity gap.

3.

Menentukan batas risiko likuiditas seperti batas dari persyaratan Giro Wajib Minimum (GWM) dan juga secondary reserve.

3.

Determining the liquidity risk limits as the limits of the Statutory Reserves Requirements and also secondary reserve



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36. MANAJEMEN RISIKO (lanjutan) c.

Risiko Likuiditas (lanjutan) 4.

d.

36. RISK MANAGEMENT (continued) c.

4.

Memelihara akses Bank ke pasar uang melalui penempatan dan pinjaman antar bank.

Risiko Operasional

Liquidity Risk (continued)

d.

Maintain the Bank access to the money market via placements and interbank lending.

Operational Risk

Risiko operasional adalah risiko kerugian yang diakibatkan oleh proses internal, kesalahan manusia, kegagalan sistem, dan/ atau adanya kejadian eksternal yang mempengaruhi operasional Bank. Risiko operasional merupakan risiko utama yang dikelola Bank dalam bentuk pengembangan pengendalian internal. Salah satu upaya yang dilakukan adalah peningkatan kontrol di kantor cabang melalui pemisahan tugas dan tanggung jawab, mekanisme dual control dalam pelaksanaan fungsi transaksi, deviasi/otorisasi, pembatasan otorisasi sistem akses, peningkatan kompetensi karyawan dan pelaksanaan audit internal.

Operational risk is a loss risk which caused by internal process, human error, system failure, and/or external event that influence Bank operational. Operational risk is a main risk that manage by Bank in the form of internal control development. One of the efforts is improved control in the branch through separation of duties and responsibilities, dual control mechanisms in the implementation of the transaction function, deviation / authorization, restriction of access authorization system, enhancing the competence of employees and internal audit.

Tindakan yang diambil oleh Bank untuk meminimalkan risiko operasional diantaranya sebagai berikut:

Actions taken by Bank to minimize operational risks including the following:

1.

Melakukan review terhadap kebijakan dan prosedur operasi standar yang terkait dengan pengelolaan risiko operasional.

1.

The action taken by the Bank to minimize operational risks including the following:

2.

Mengembangkan panduan pengelolaan risiko operasional untuk kantor cabang.

2.

Develop guidelines for branch operational risk management

3.

Mempersiapkan alat bantu Risk & Control Self Assesment (RCSA) untuk menilai dan mitigasi risiko operasional yang sedang dilakukan secara mandiri oleh unit-unit bisnis.

3.

Prepare tools Risk & Control Self Assessment (RCSA) to assess and mitigate operational risk that is being carried out independently by the business units.

4.

Melakukan analisa risiko operasional untuk produk baru yang diusulkan dan atau kegiatan yang akan diluncurkan oleh Bank.

4.

Conduct analysis of operational risk for a proposed new products or activities that will be launched by the Bank.

5.

Mengembangkan Business Continuity Management (BCM) untuk memastikan kelangsungan operasional Bank secara terus menerus meskipun terjadi gangguan (bencana) untuk melindungi kepentingan stakeholder.

5.

Develop a Business Continuity Management (BCM) to ensure continuity of operations the Bank is continuously despite the disruption (disaster) to protect the interests of stakeholders.

6.

Mengembangkan kebijakan manajemen risiko termasuk prosedur untuk teknologi informasi, jaringan komunikasi data dan standardisasi perangkat lunak, manajemen sistem akses, pengembangan layanan perbankan elektronik dalam hal keamanan aksesibilitas dan Disaster Recovery Plan.

6.

Develop a risk management policy including procedures for information technology, data communication network and software standardization, access system management, development of electronic banking services in terms of accessibility security and Disaster Recovery Plan.

office



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36. MANAJEMEN RISIKO (lanjutan) e.

f.

78 |


Risiko Hukum

e.

Legal Risk

Risiko hukum adalah risiko akibat tuntutan hukum dan/ atau kelemahan aspek yuridis. Timbulnya risiko hukum antara lain dapat disebabkan karena kurangnya pendukung hukum atau lemahnya dari kontrak. Sebagai perusahaan yang diatur oleh hukum Republik Indonesia, Bank harus selalu mematuhi semua hukum dan peraturan yang dikeluarkan oleh Bank Indonesia/Otoritas Jasa Keuangan sebagai regulator dalam industri perbankan di Indonesia.

Legal risk is the risk due to litigation and/or weakness of the judicial aspect. The emergence of legal risks among others may be caused due to lack of legal support or weakness of the contract. As a company governed by the laws of the Republic of Indonesia, the Bank must always comply with all applicable laws and regulations issued by Bank Indonesia/ Financial Authority Service as a regulator in the banking industry in Indonesia.

Selain itu, Bank juga harus mengikuti semua aturan dan peraturan yang berlaku dalam masyarakat baik secara langsung atau tidak langsung berkaitan kegiatan usaha yang dilakukan oleh Bank. Kegagalan Bank untuk mematuhi hukum dan peraturan yang berlaku dapat menimbulkan klaim litigasi terhadap Bank. Jika terjadi klaim litigasi terhadap Bank dalam jumlah yang cukup signifikan, maka secara langsung dapat mempengaruhi kinerja keuangan Bank.

In addition, the Bank must also follow all rules and regulations applied to public either directly or indirectly related to business activities conducted by the Bank. The Bank failure to comply with applicable laws and regulations may rise to litigation claims against the Bank. In the event of litigation claims against the Bank in significant amount, it can directly affect the Bank’s financial performance.

Dalam mengelola risiko hukum, melakukan tindakan diantaranya:

Bank

In managing legal risk, the Bank performs actions such as:

1.

Melakukan review terhadap kebijakan dan prosedur operasi standar yang terkait dengan pengelolaan hukum.

1. Conduct a review of policies and standard operating procedures related to the management of law

2.

Mengembangkan organisasi hukum yang kuat.

2. Develop a strong legal organization.

3.

Melakukan standarisasi akad dan perjanjian kerjasama untuk program pembiayaan tertentu.

3. Standardizing contract and a cooperation agreement for a specific financing program.

Risiko Reputasi

f.

Reputation Risk

Risiko reputasi adalah risiko akibat menurunnya tingkat kepercayaan stakeholder yang bersumber dari perspektif negatif terhadap Bank. Kegagalan Bank untuk melindungi reputasinya di mata publik dapat mengakibatkan pandangan negatif serta persepsi oleh publik terhadap Bank. Jika Bank menghadapi risiko ini maka dalam jangka pendek, Bank dapat kehilangan kepercayaan pelanggan yang pada akhirnya akan menghasilkan dampak negatif terhadap pendapatan Bank di masa yang akan datang.

Reputation risk is the risk due to the decreasing level of stakeholder confidence that comes from a negative perspective to the Bank. The failure of the Bank to protect its reputation in the public eye can lead to negative views and perceptions by the public against the Bank. If the Bank address this risk in the short term, the Bank may lose customer confidence, which in turn will generate a negative impact on the Bank’s income in the future.

Beberapa langkah untuk mengurangi risiko reputasi yang dilakukan oleh Bank diantaranya sebagai berikut:

Some measures to reduce the risk of reputation made by the Bank including the following:



06/04/2017 20:55:01






36. MANAJEMEN RISIKO (lanjutan) f.

g.

h.


Risiko Reputasi (lanjutan)

f.

Reputation Risk (continued)

1.

Melakukan review terhadap kebijakan dan prosedur operasi standar yang terkait dengan pengelolaan risiko reputasi.

1.

Conduct a review of policies and standard operating procedures related to the management of reputation risk.

2.

Melakukan penyusunan marketing communication dalam rangka memasarkan produk-produk Bank.

2.

Conduct preparation of marketing communication in order to market the products of the Bank.

3.

Melakukan program-program yang dibuat pada acara khusus.

promosi

3.

Conduct promotion programs created on a special event.

4.

Menentukan standar kualitas pelayanan dalam rangka meningkatkan pelayanan kepada nasabah.

4.

Set standards of service quality in order to improve services to customers.

5.

Pemantauan eksposur risiko reputasi melalui Complain Handling System maupun media cetak dan media elektronik.

5.

Monitoring of reputational risk exposure through a Complain Handling System as well as printed and electronic media.

Risiko Strategik

g.

which

Strategic Risk

Risiko strategik adalah risiko akibat ketidaktepatan dalam pengambilan dan/ atau pelaksanaan suatu keputusan strategis serta kegagalan dalam mengantisipasi perubahan lingkungan bisnis.

Strategic risk is the risk due to the uncertainty in the decision and/or implementation of a strategic decision and the failure to anticipate changes in the business environment.

Beberapa langkah yang dilakukan untuk mengurangi risiko strategis yang dilakukan oleh Bank diantaranya sebagai berikut:

Some of the steps taken to mitigate strategic risks undertaken by the Bank including the following:

1.

Melakukan review kebijakan manajemen risiko strategik.

1.

Reviewing policies.

2.

Mempersiapkan Rencana Bisnis Bank (RBB) yang terdiri dari tujuan Bank dan inisiatif strategik. RBB ini memiliki fungsi sebagai pedoman untuk mengendalikan risiko strategik.

2.

Preparing Bank Business Plan, which consists of the Bank’s objectives and strategic initiatives. Bank Business Plan has a function as a guideline for controlling strategic risk.

3.

Menetapkan dan menginformasikan target bisnis untuk kantor cabang berdasarkan RBB.

3.

Establish and inform the business targets for branch offices in accordance with Bank Business Plan.

4.

Mempersiapkan corporate planning untuk strategi bisnis jangka panjang yang mencakup semua unit bisnis bersamasama dengan konsultan bisnis ekstrenal.

4.

Prepare corporate planning for long term business strategy that covers all business units together with external business consultants

Risiko Kepatuhan Risiko kepatuhan adalah risiko yang timbul dari kegagalan Bank dalam memenuhi dan/atau menerapkan hukum yang berlaku dan peraturan untuk bisnis bank syariah. Dalam jasa industri perbankan, Bank wajib untuk selalu mematuhi peraturan perbankan yang dikeluarkan oleh Pemerintah, Bank

h.

strategic

risk

management

Compliance Risk Compliance risk is the risk arising from the failure of the Bank to meet and / or apply the applicable laws and regulations for sharia banks business. In the involved in the banking industry services, the Bank is obliged to always comply to banking regulations issued by the Government, Bank Indonesia/ Financial PT Bank Syariah Bukopin Annual Report 2016


| 79 06/04/2017 20:55:02






36. MANAJEMEN RISIKO (lanjutan) h.

Risiko Kepatuhan (lanjutan)

Compliance Risk (continued) Authority Service, and the National Sharia Board. In general, the risks related to compliance with applicable laws and regulations governing the Bank as an Islamic banking institution, such as:

1.

1. Capital Adequacy Ratio (CAR).

Rasio Kewajiban Penyediaan Modal Minimum(KPMM). Kualitas Aset Produktif. Penyisihan Penghapusan Aset (PPA). Batas Maksimum Pemberian Pembiayaan. Tata kelola perusahaan yang baik. Rencana Bisnis Bank (RBB).

2. 3. 4. 5. 6.

Earning Asset Quality. Allowance for impairment of assets Legal Landing Limits. Good Corporate Governance. Bank Business Plan.

Ketidakmampuan Bank untuk mengikuti dan mematuhi semua hukum dan peraturan yang terkait dengan kegiatan usaha perbankan dapat mempengaruhi kelangsungan Bank.

Inability of the Bank to follow and comply with all laws and regulations related to banking activities may influence the continuity of the Bank.

Dalam mengelola risiko kepatuhan, Bank melakukan tindakan diantaranya:

In managing compliance risk, the Bank perform actions such as:

1.

Meningkatkan pemahaman tentang tata kelola perusahaan yang baik (GCG) dan kode etik.

1.

Increase understanding of good corporate governance (GCG) and the code of ethics.

2.

Penguatan pelaksanaan tata kelola perusahaan yang baik (GCG) dan memastikan bahwa semua debitur pembiayaan untuk memenuhi semua kebutuhan pembiayaan.

2.

Strengthening the implementation of good corporate governance (GCG) and ensure that all debtors financing to meet all financing needs

3.

Meningkatkan program Anti Pencucian Uang (APU) dan Pencegahan Pendanaan Teroris (PPT).

3.

Enhance the Anti-Money Laundering (APU) and Combating the Financing of Terrorism (PPT).

4.

Ikut serta dalam pembahasan dengan Dewan Pengawas Syariah dalam memastikan kepatuhan operasi Bank dengan prinsip Syariah.

4.

Participate in a discussion with the Sharia Supervisory Board in Bank operations to ensure compliance with Shariah principles.

5.

Memberdayakan Compliance syariah untuk meninjau dan menganalisis kepatuhan dari produk Bank/ kegiatan dengan prinsip syariah.

5.

Empower Compliance sharia to review and analyse the compliance of Bank products / activities to Sharia principles

37. MANAJEMEN PERMODALAN

80 |

h.

Indonesia/Otoritas Jasa Keuangan, dan Dewan Syariah Nasional. Secara umum, risiko kepatuhan terkait dengan hukum yang berlaku dan peraturan, yang mengatur Bank sebagai lembaga perbankan syariah, seperti:

2. 3. 4. 5. 6.

a.


Berdasarkan Surat Keputusan Direksi Bank Indonesia No. 26/20/KEP/DIR tanggal 29 Mei 1993 yang telah dirubah dengan Srat Keputusan Direksi Bank Indonesia No. 31/146/KEP/DIR tanggal 12 November 1998 tentang Kewajiban Penyediaan Modal Minimum Bank, yaitu bahwa bank umum wajib menyediakan modal minimum sebesar 4% dari Aset Tertimbang Menurut Risiko, pada akhir tahun 1998 dan secara bertahap menjadi

37. CAPITALS MANAGEMENT a.

Based on Decree of Bank Indonesia’s Board of Directors No 26/20/KEP/DIR dated May 29, 1993, which was amanded to Decree of Bank Indonesia’s Board of Directors No. 31/146/KEP/DIR dated November 12, 1998 regarding Liabilities of Minimum Bank Capital Adequacy Ratio, that Commercial Bank is obligated to provide minimum capital for 4% of Risk Weighted Asset, at the end of 1998 and gradually changed to minimum 8% by the end



06/04/2017 20:55:02






37. MANAJEMEN PERMODALAN (lanjutan)

37. CAPITAL MANAGEMENT (continued) of 2001, in accordance with Bank Indonesia Regulation No No. 3/21/PBI/2001 dated December 13, 2001.

minimal 8% pada akhir tahun 2001, sesuai dengan peraturan Bank Indonesia No. 3/21/PBI/2001 tanggal 13 Desember 2001. b.

Mengacu pada ketentuan di atas, rasio kecukupan modal Bank untuk posisi, 31 Desember 2016 dan 31 Desember 2015 adalah sebagai berikut (dalam jutaan rupiah) 2016 Modal inti (Tier I) Modal disetor Cadangan umum dan khusus (Rugi) tahun – tahun sebelumnya Laba tahun berjalan

b.

Referring to above stipulation, the Capital Adequacy Ratio of the Bank as of December 31, 2016 and December 31, 2015 were as follows (in millions rupiah): 2015 Core Capital (Tier I) Paid-in Capital General and specific reserves

850.370 1.213

750.370 1.213

(122.800) 32.710

(150.579) 27.778

32.911 (17.567)

(19.827)

776.837

608.955

Total

45.192 46.667 (30.000)

31.638 50.000 -

Supplementary Capital (Tier II) Provision for possible loss over earnings asset Subordinated loan Subordinated securities

61.859

81.638

Loan

838.696

690.593

Total Capital (Tier I and Tier II)

4.601.751 332.045

3.945.165 288.774

Total Risk Weighted Asset (RWA) RWA for financing risk RWA for market risk RWA for operations risk

4.933.796

4.233.939

Total ATMR

Rasio Kecukupan Modal Minimum yang Tersedia untuk Risiko Pembiayaan

18,23%

17,50%

Capital Adequacy Ratio for Financing Risk

Rasio Kecukupan Modal Minimum yang Tersedia untuk Risiko Pembiayaan dan Risiko Pasar

18,23%

17,50%

Capital Adequacy Ratio for Financing and Market Risk

17,00%

16,31%

Capital Adequacy Ratio for Financing, Market, and Operational Risks

8,00%

8,00%

Minimal Required Capital Adequacy Ratio

Revaluasi aset tetap Aset pajak tangguhan Jumlah Modal pelengkap (Tier II) Cadangan atas kemungkinan kerugian atas aset produktif Hutang subordinasi Surat berharga subordinasi Jumlah Jumlah Modal (Tier I dan Tier II Jumlah Aset Tertimbang Menurut Risiko (ATMR) ATMR untuk risiko pembiayaan ATMR untuk risiko pasar ATMR untuk risiko operasional Jumlah ATMR

Rasio Kecukupan Modal Minimum yang Tersedia untuk risiko pembiayaan, risiko pasar dan risiko operasional Rasio Kecukupan Modal Minimum yang Diwajibkan

Losses of prior years Net income for the Year Revaluation on Premises and equipment s Deferred tax assets



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38. PERJANJIAN–PERJANJIAN PENTING

82 |

38. SIGNIFICANT AGREEMENTS

Bank telah melakukan perjanjian dengan beberapa institusi sebagai berikut:

The Bank has signed several significant agreements with several entities, as follows:

a)

Perjanjian kerjasama dengan Koperasi Serba Usaha Rizky Abadi berdasarkan Akta No. 70 Notaris H.Teddy Anwar, SH, Sp.N di Jakarta tanggal 22 Oktober 2014 mengenai penerusan pinjaman (Chanelling). Sesuai dengan perjanjian ini Koperasi bermaksud mengembangkan kegiatan penyaluran pinjaman kepada Pensiunan Pegawai Negeri Sipil (PNS), Pensiunan Kepolisian Republik Indonesia (POLRI), Pensiunan Tentara Nasional Indonesia (TNI), selaku penerima hak pertama termasuk janda/duda dari PNS dan atau warakutri/duda dari pensiunan TNI atau support pembiayaan/ mikro pensiunan POLRI tersebut selakupenerima hak pensiun kedua dan atau wali ahli waris yang disahkan oleh instansi tersebut, yang pembayaran dana pensiunnya melalui PT Pos Indonesia.

a)

Cooperation agreement with Koperasi Serba Usaha Rizky Anon based on the Deed No. 43 Notary A. Teddy Anwar, SH, Sp.N in Jakarta dated October 22, 2014 regarding financing forwarding (Channeling). In line with the agreement, Cooperative intends to develop disbursement financing activities to civil servant (PNS) retired, Indonesia Police (POLRI) retired, National Army (TNI) retired, as the first recipient including widow/widower of civil servant (PNS) and/or warakutri/widower of National Army(TNI) or Indonesia Police (POLRI) retired as the second recipient of pension right and/or the trustee of heir who authorized by the institution, which fund payment through PT Pos Indonesia.

b)

Perjanjian kerjasama dengan Otoritas Jasa Keuangan tentang Pendalaman Pasar Keuangan melalui Implementasi Perjanjian Penjualan dan Pembelian Kembali Surat Berharga Syariah (Master Repo Agreement Berdasarkan Prinsip Syariah) No. 007/DOP/MOU/KP-JKT/VII/2015 pada tanggal 2 Juli 2015, yang bertujuan untuk mewujudkan kesepakatan dari para pihak untuk mempunyai standar perjanjian dalam setiap Transaksi Repo Syariah yang dilaksanakan para pihak dalam rangka memperdalam pasar keuangan.

b)

Co-operation agreement with Financial Authority Service regarding Deepening of Financial Market through the Implementatin of Repo Agreement of Sharia Bonds (Master Repo Agreement based on Sharia Principles) No. 007/DOP/MOU/KP-JKT/ VII/2015 dated July 2, 2015, with purpose to achieve consensus from all parties to have an agreement standard in every Sharia Repo Transaction performed by all parties in order to deepening financial market.

c)

Addendum Perjanjian Kerjasama dengan PT. PLN (Persero) tentang Penerimaan Pembayaran Tagihan Listrik dan Tagihan Lainnya Secara Terpusat No. 0486.PJ/KEU.00.01/DIR/2015 dan No. 017/BIS-PKS/KP-JKT/VIII/2015 pada tanggal 30 September 2015.

c)

Addendum of Cooperation Agreement with PT. PLN (Persero) regarding Payment Receiving of Electririty and Other Billings Centrally No. 0486.PJ/KEU.00.01/DIR/2015 and No. 017/BIS-PKS/KP-JKT/VIII/2015 dated September 30, 2015.

d)

Perjanjian Kerjasama dengan Kementerian Keuangan Republik Indonesia Direktorat Jenderal Perbendaharaan mengenai Pelaksanaan Treasury Notional Pooling Rekening Pemerintah Milik Kementerian Negara/Lembaga/Satuan Kerja Pada Bank Umum/Kantor Pos dengan Nomor : 051/DIRPKS/KP-JKT/XII/2015 di Jakarta Pada tanggal 14 Desember 2015 yang bermaksud untuk mengatur pelaksanaan TNP (Treasury National Pooling) pada PT. Bank Syariah Bukopin dan bertujuan agar Kementerian Keuangan Republik Indonesia Direktorat Jenderal Perbendaharaan dapat melakukan monitoring rekening secara lebih efektif dan efisien sehingga dapat memberikan manfaat dan atau keuntungan bagi Para Pihak.

d)

Co-operation Agreement with Ministry of Finance of Republic of Indonesia General Directorate of Treasury regarding Implementation of Treasury National Pooling of Government’s Account Belongs to National Ministry/Organization/Work Unit in Commercial Banks/ Post Office Number 051/DIR-PKS/KPJKT/XII/2015 in Jakarta dated December 14, 2015 which intended to rule the implementation of TNP (Treasury National Pooling) on PT. Bank Syariah Bukopin and in order to Ministry of Finance of Republic of Indonesia General Directorate of Treasury able to monitoring the accounts selectively and efficiently therefore will give benefit and or profit to all Parties.



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38. PERJANJIAN (lanjutan) e)

–

PERJANJIAN

PENTING

Perjanjian Kerjasama dengan Kementerian Keuangan Republik Indonesia Direktorat Jenderal Perbendaharaan mengenai Pengelolaan Rekening Pemerintah Milik Kementerian Negara/Lembaga/Satuan Kerja Pada Bank Umum/Kantor Pos dengan Nomor: 052/DIR-PKS/KP-JKT/XII/2015 di Jakarta Pada tanggal 14 Desember 2015 yang bermaksud untuk mengatur Pelaksanaan Pengelolaan Rekening Pemerintah yang dibuka pada PT. Bank Syariah Bukopin sesuai dengan Peraturan Menteri Keuangan Nomor 252/PMK.05/2014 Tentang Rekening Milik Kementerian Negara/Lembaga/Satuan Kerja dan bertujuan untuk menjamin Pengelolaan Rekening dapat dilakukan dengan aman, efektif, efisien, cepat, tepat sasaran, transparan, dan dapat dipertanggungjawabkan.

39. OPINI DEWAN PENGAWAS SYARIAH

Berdasarkan berdasarkan surat No. 013/DPS/BSBJKT/I/2017 tanggal 12 Januari 2017 dan surat No. 010/DPS/BSB-JKT/I/2016 tanggal 29 Januari 2016, masing-masing untuk tahun yang berakhir pada tanggal 31 Desember 2016 dan 2015, Dewan Pengawas Syariah (DPS) PT Bank Syariah Bukopin menyatakan bahwa secara umum aspek syariah dalam operasional dan produk PT Bank Syariah Bukopin telah mengikuti fatwa dan ketentuan syariah yang dikeluarkan oleh Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI), serta opini syariah dari DPS. 40. PENYELESAIAN LAPORAN KEUANGAN Manajemen Bank bertanggung jawab dalam penyusunan laporan keuangan yang telah diselesaikan dan disetujui untuk diterbitkan oleh Direksi pada tanggal 24 Februari 2017.

38. SIGNIFICANT AGREEMENTS (continued)

e)

Co-operation Agreement with Ministry of Finance of Republic of Indonesia General Directorate of Treasury regading Management of Government’s Account belongs to National Ministry/ Organization/Working Unit in Commercial Banks/Post Office Number: 052/DIRPKS/ KP-JKT/XII/2015 in Jakarta dated December 14, 2015 which intended to rule the Implementation of Government’s Account Management opened in PT Bank Syariah Bukopin in accordance with Regulation of Minister of Finance Number 252/PMK.05/2014 Regarding Government’s Account Belongs to National Ministry/ Organization/ Working Unit and in order to guarantee that the Accounts Management is performed safely, effectively, efficiently, fast, on target, and responsibly.

39. OPINION BOARD

OF

THE

SHARIA

SUPERVISORY

Based on a letter No.013/DPS/BSB-JKT/I/2017 dated January 12, 2017 and letter No.010/DPS/BSB-JKT/I/2016 dated January 29, 2016, for the year ended December 31, 2016 and 2015, respectively, the Sharia Supervisory Board expressed an opinion that in general the sharia aspect in the operation and product of PT Bank Syariah Bukopin have complied with fatwa and sharia regulations of National Sharia Board of Indonesian Ulama Council (DSN-MUI) and sharia opinion of DPS.

40. COMPLETION OF FINANCIAL STATEMENTS The Bank’s management is responsible for the preparation of the financial statements, that were completed and authorized for issue by the Board of Directors on February 24, 2017.



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Halaman ini sengaja dikosongkan


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referensi kriTeria PeniLaian annuaL rePorT award 2016

Reference of Annual Report Award 2016 Criteria

matEri & PEnjElasan I Umum 1. Laporan tahunan disajikan dalam bahasa Indonesia yang baik dan benar dan dianjurkan menyajikan juga dalam bahasa Inggris. 2. Laporan tahunan dicetak dengan kualitas yang baik dan menggunakan jenis dan ukuran huruf yang mudah di dibaca. 3. Laporan tahunan mencantumkan identitas perusahaan dengan jelas. Nama perusahaan dan tahun annual report ditampilkan di: 1. Sampul muka; 2. Samping; 3. Sampul belakang; dan 4. Setiap halaman. 4. Laporan tahunan ditampilkan di website perusahaan. II Ikhtisar Data Keuangan Penting 1. 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. Informasi memuat antara lain: 1. Penjualan/pendapatan usaha; 2. Laba (rugi); a. Diatribusikan kepada pemilik entitas induk; dan b. Diatribusikan kepada kepentingan nonpengendali; 3. Total laba (rugi) dan penghasilan komprehensif lain; a. Diatribusikan kepada pemilik entitas induk; dan b. Diatribusikan kepada kepentingan nonpengendali; dan 4. Laba (rugi) per saham. Catatan: Apabila perusahaan tidak memiliki entitas anak, perusahaan menyajikan laba (rugi) serta laba (rugi) dan penghasilan komprehensif lain secara total. 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. Informasi memuat antara lain: 1. Jumlah investasi pada entitas asosiasi; 2. Jumlah aset; 3. Jumlah liabilitas; dan 4. Jumlah ekuitas. 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)

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Subject & Explanation I General 1. Annual report is presented in good and correct Indonesian and it is also recommended to present the report in English. 2. Annual report is printed in good quality and use readable font type and size. 3. Annual report should state clearly the identity of the company. Name of the company and year of the annual report is placed on: 1. The front cover; 2. Sides; 3. Backcover ;and 4. Eachpage. 4. Annual report is uploaded in the company’s website. II Summary of Key Financial Information 1. Information of company’s operating results in comparative form over a period of 3 (three) financial years or since the commencement of business if the company has been running its business activities for less than 3 (three) years: The information contained includes: 1. Operating sales/revenue; 2. Profit (loss); a. Attributable’s to the owner of parents entity, and b. Attributable’s to non-controlling interest 3. Total comprehensive profit (loss); a. Attributable’s to the owner of parents entity, and b. Attributable’s to non-controlling interest; and 4. Profit (loss) pershare. Notes : If the Company didn’t have subsidiaries entity, the Company presents profit (loss) and proft (loss) and total of other comprehensive income.

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6-7

2. Information of company’s financial position in comparative form over a period of 3 (three) financial years or since the commencement of business if the company has been running its business activities for less than 3 (three) years. The information contained includes: 1. Total investment in associates; 2. Total assets; 3. Total liabilities; 4. Total equity. 3. Financial ratios in comparative form over a period of 3 (three) financial years or since the commencement of business if the company has been running its business activities for less

1



matEri & PEnjElasan tahun. Informasi memuat 5 (lima) rasio keuangan yang umum dan relevan dengan industri perusahaan. 4. Informasi harga saham dalam bentuk tabel dan grafik* 1. Informasi dalam bentuk tabel yang memuat: a. Jumlah saham yang beredar; b. Kapitalisasi pasar; c. Harga saham tertinggi, terendah, dan penutupan; dan d. Volume perdagangan. 2. Informasi dalam bentuk grafik yang memuat paling kurang harga penutupan dan volume perdagangan saham. Untuk setiap masa triwulan dalam 2 (dua) tahun buku terakhir. 5. Informasi mengenai obligasi, sukuk atau obligasi konversi yang masih beredar dalam 2 (dua) tahun buku terakhir* Informasi memuat: 1. Jumlah obligasi/sukuk/obligasi konversi yang beredar (outstanding); 2. Tingkat bunga/imbalan; 3. Tanggal jatuh tempo; dan 4. Peringkat obligasi/sukuk. III Laporan Dewan Komisaris dan Direksi 1. Laporan Dewan Komisaris Memuat hal-hal sebagai berikut: 1. Penilaian atas kinerja Direksi mengenai pengelolaan perusahaan dan dasa penilaiannya; 2. Pandangan atas prospek usaha perusahaan yang disusun oleh Direksi dan dasar pertimbangannya; 3. Penilaian atas kinerja komite-komite yang berada di bawah Dewan Komisaris; dan 4. Perubahan komposisi Dewan Komisaris (jika ada) dan alasan perubahannya. 2. Laporan Direksi 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. Analisis tentang prospek usaha; 3. Penerapan tata kelola perusahaan; dan 4. Penilaian atas kinerja komite-komite yang berada di bawah Direksi (jika ada); dan 5. Perubahan komposisi anggota Direksi (jika ada) dan alasan perubahannya.

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Subject & Explanation than 3 (three) years. Information cantains 5 (five) years of general financial ratio and relevant with the industry of the Company. 4. Share price information in tables and charts. 1. Information in form of tables which contain: a. Total of outstanding shares; b. Market capitalization; c. Highest, lowest, and closing price; and d. Trading volume. 2. Information in form of charts which contain at least share closing price and trading volume. For every quater in the latest 2 (two) fiscal years. 5. Information on outstanding bonds, sukuk or convertible bonds in the latest 2 (two) fiscal years. Information contains: 1. Total outstanding bonds/sukuk/convertible bonds; 2. Yield/interestrate; 3. Maturity date;and 4. Bonds/sukuk rating. III The Board of Commissioners’ and Board of Directors’ Report 1. The Board of Commissioners’ report. Contains the following items: 1. Assessment on the performance of the Board of Directors in managing the company and the basis of assessment; 2. View over the prospects of the company’s business which set by the Board of Directors and its basis of consideration; 3. Assessment on the performance of committees under the Board of Commissioners; and 4. Changes in the composition of the Board of Commissioners(if any) and the reason for change. 2. The Board of Directors’ Report. Contains the following items: 1. Analysis of company’s performance, which includes, among others, strategic policies, comparison between achievement of results and targets, and challenges faced by the company; 2. Analysis of business prospects; 3. Implementation of corporate governance; and 4. Assessment of committees under Board of Directors (if any); and 5. Changes in the composition of the Board of Directors (if any) and the reason for change.

matEri & PEnjElasan 3. Tanda tangan anggota Dewan Komisaris dan anggota Direksi. Memuat hal-hal sebagai berikut: 1. Tanda tangan dituangkan pada lembaran tersendiri; 2. Pernyataan bahwa Dewan Komisaris dan Direksi bertanggung jawab penuh atas kebenaran isi laporan tahunan; 3. Ditandatangani seluruh anggota Dewan Komisaris dan anggota Direksi dengan menyebutkan nama dan jabatannya; dan 4. Penjelasan tertulis dalam surat tersendiri dari yang bersangkutan dalam hal terdapat anggota Dewan Komisaris atau anggota 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. IV Profil Perusahaan 1. Nama dan alamat lengkap perusahaan. Informasi memuat antara lain: nama dan alamat, kode pos, no. Telp, no. Fax, email, dan website. 2. Riwayat singkat perusahaan. Mencakup antara lain: tanggal/tahun pendirian, nama, dan perubahan nama perusahaan (jika ada). Catatan: apabila perusahaan tidak pernah melakukan perubahan nama, agar diungkapkan. 3. Bidang usaha. Uraian mengenai antara lain: 1. Kegiatan usaha perusahaan menurut anggaran dasar terakhir; 2. Kegiatan usaha yang dijalankan; dan 3. Produk dan/atau jasa yang dihasilkan. 4. Struktur Organisasi Dalam bentuk bagan, meliputi nama dan jabatan paling kurang sampai dengan struktur satu tingkat di bawah direksi. 5. Visi, Misi, dan Budaya Perusahaan. Mencakup: 1. Visi perusahaan; 2. Misi perusahaan; 3. Keterangan bahwa visi dan misi tersebut telah disetujui oleh Direksi/Dewan Komisaris; dan 4. Pernyataan mengenai budaya perusahaan (corporate culture) yang dimiliki perusahaan. 6. Identitas dan riwayat hidup singkat anggota Dewan Komisaris. Informasi memuat antara lain: 1. Nama; 2. Jabatan (termasuk jabatan pada perusahaan atau lembaga lain); 3. Umur; 4. Domisili;

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31

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Subject & Explanation 3. Signatures of the members of the Board of Directors and the Board of Commissioners. Contains the following items: 1. Signatures are appended in separated sheet; 2. Statemen that the Board of Directors and the Board of Commissioners are fully responsible for the authenticity of the annual report; 3. Signed by all members of the Board of Directors and the Board of Commissioners by stating name and position; and 4. Written statement in separate letter if there is member of the Board of Directors and the Board of Commissioners who do not sign the annual report, or: written statement in separate letter from other members if there is no written statement from the relevant member. IV Company Profile 1. Name and address of the company. Includes information on name and address, zip code, telephone and/or facsimile, email, and website. 2. Brief history of the company. Includes among others: date/year of establishment, name and changes in the company name (if any). Notes: It requires a disclosure if the Company has no changes the name. 3. Business lines. The description includes: 1. Business activities of the company according to recent articles of association; 2. Conducted business activities; and 3. Product sand/or services produced. 4. Organizational structure. In form of chart, which includes names and titles at least up to the one level below the Board of Directors. 5. Company’s Vision, Mission, and Corporate Culture Includes: 1. Company’s vision; 2. Company’s mission; 3. Statement that the company’s vision and mission have been approved by the Board of Directors/Board of Commissioners 4. Statement regarding the Company’s corporate culture. 6. Brief identity and curriculum vitae of the members of the Board of Commissioners. The information should contain: 1. Name; 2. Position (including the position in other company or institution); 3. Age; 4. Domicile;

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matEri & PEnjElasan 5. Pendidikan (Bidang Studi dan Lembaga Pendidikan); 6. Pengalaman kerja (Jabatan, Instansi, dan Periode Menjabat); dan 7. Riwayat penunjukkan sebagai anggota Dewan Komisaris di Perusahaan. 7. Identitas dan riwayat hidup singkat anggota Direksi. Informasi memuat antara lain: 1. Nama; 2. Jabatan (termasuk jabatan pada perusahaan atau lembaga lain); 3. Umur; 4. Domisili; 5. Pendidikan (Bidang Studi dan Lembaga Pendidikan); 6. Pengalaman kerja (Jabatan, Instansi, dan Periode Menjabat); dan 7. Riwayat penunjukkan sebagai anggota Direksi di Perusahaan. 8. Jumlah karyawan (komparatif 2 tahun) dan deskripsi pengembangan kompetensinya (misal: aspek pendidikan dan pelatihan karyawan). Informasi memuat antara lain: 1. Jumlah karyawan untuk masing-masing level organisasi; 2. Jumlah karyawan untuk masing-masing tingkat pendidikan; 3. Jumlah karyawan berdasarkan status kepegawaian; 4. Deskripsi dan data pengembangan kompetensi karyawan yang telah dilakukan dengan mencerminkan adanya persamaan kesempatan untuk masing-masing level organisasi; dan 5. Biaya pengembangan kompetensi karyawan yang telah dikeluarkan. 9. Komposisi Pemegang saham. Mencakup antara lain: 1. Rincian nama pemegang saham yang meliputi 20 pemegang saham terbesar dan persentase kepemilikannya; 2. Rincian pemegang saham dan persentase kepemilikannya meliputi: a. Nama pemegang saham yang memiliki 5% atau lebih saham; b. Nama Komisaris dan Direktur yang memiliki saham; dan c. Kelompok pemegang saham masyarakat dengan kepemilikan saham masing-masing kurang dari 5%. 10. Daftar entitas anak dan/atau entitas asosiasi. Informasi memuat antara lain: 1. Nama entitas anak dan/atau asosiasi; 2. Persentase kepemilikan saham;

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Subject & Explanation 5. Education (Field of study and Educational Institution); 6. Work experience (position, Institution, and period serve); and 7. History of appointment as the member of Company’s Board of Commissioners. 7. Brief identity and curriculum vitae of the members of the Board of Directors. The information should contain: 1. Name; 2. Position (including the position in other company or institution); 3. Age; 4. Domicile; 5. Education (Field of study and Educational Institution); 6. Work experience (position, Institution, and period serve); and 7. History of appointment as the member of Company’s Board of Directors 8. Number of employees (2 years comparatively and description of competence building (such as: aspect of education and training of employees). The information should contain: 1. Total employees for each organization level; 2. Total employees for each level of education;

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3. Total employees based on employment status; 4. Description and data of employee competency development which has been done by reflecting the equality of oppurtunity to each of organization levels; and 5. The cost of employee’s competency development which has been incurred. 9. Shareholders composition. Among others includes: 1. Details of share holders name which include 20 majority shareholders and their ownership percentage; 2. Details of share holders and their ownership percentage which include: a. Name of shareholders who have 5% or more shares; b. Name of Directors of Commissioners who have shares; and c. Group of public shareholders who each own less than 5% of shares. 10. List of subsidiaries and/or associates. The information should contain: 1. Name of subsidiaries and/or associates; 2. Share ownership percentage;

matEri & PEnjElasan 3. Keterangan tentang bidang usaha entitas anak dan/atau entitas asosiasi; dan 4. Keterangan status operasi entitas anak dan/ atau entitas asosiasi (telah beroperasi atau belum beroperasi). 11. Struktur grup perusahaan. Struktur grup perusahaan dalam bentuk bagan yang menggambarkan entitas anak, entitas asosiasi, joint venture, dan special purpose vehicle (SPV). 12. Kronologis pencatatan saham* 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; dan 4. Nama bursa dimana saham perusahaan dicatatkan. 13. Kronologis pencatatan efek lainnya* 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; dan 5. Peringkat efek. 14. Nama dan alamat lembaga dan/atau profesi penunjang pasar modal*. Informasi memuat antara lain: 1. Nama dan alamat BAE/pihak yang mengadministrasikan saham perusahaan; 2. Nama dan alamat Kantor Akuntan Publik; dan 3. Nama dan alamat perusahaan pemeringkat efek. 15. Penghargaan yang diterima dalam tahun buku terakhir dan/atau sertifikasi yang masih berlaku dalam tahun buku terakhir baik yang berskala nasional maupun internasional. Informasi memuat antara lain: 1. Nama penghargaan dan/atau sertifikat; 2. Tahun perolehan; 3. Badan pemberi penghargaan dan/atau sertifikat; dan 4. Masa berlaku (untuk sertifikasi).

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Subject & Explanation 3. Description of subsidiaries and/or associates businessline; and 4. Description of subsidiaries and/or associates operation status (has operated or has not operated). 11. Corporate group structure. Corporate group structure in form of chart which describes subsidiaries, associates, joint venture, and special purpose vehicle. 13. Share listing chronology. Among others, include: 1. Chronology of share listing; 2. Corporate action that cause changes in the number of shares;

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3. Share volume changes from the beginning until the end of fiscal year; and

4. Name of stock exchange where the company’s share is listed. 13. Listing chronology of other securities. Among others, include: 1. Listing chronology of other securities; 2. Corporate action that cause changes in the number of other securities;

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3. Changes of the number of other securities from the beginning until the end of fiscal year; and 4. Name of stock exchange where the other securities is listed; and 5. Securities rating. 14. Name and address of capital market institutions and/or supporting professions. The information should contain: 1. Name and address of Securities Administration Bureau/parties that administered the company’s share; 2. Name and address of Public Accounting Firm;and 3. Name and address of securities rating agency. 15. Award received by the company in the latest fiscal year and/or valid certification in the latest fiscal year both on a national and international scale. The information should contain: 1. Name of award and/or certificate; 2. Year of acquisition; 3. Name of agency that give the award and/ or certification; and 4. Validity period (for certification).

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matEri & PEnjElasan 16. Nama dan alamat entitas anak dan/atau kantor cabang atau kantor perwakilan (jika ada). Memuat informasi antara lain: 1. Nama dan alamat entitas anak; dan 2. Nama dan alamat kantor cabang/perwakilan. Catatan: apabila perusahaan tidak memiliki entitas anak/cabang/perwakilan, agar diungkapkan. 17. Informasi pada Website Perusahaan. Meliputi paling kurang: 1. Informasi pemegang saham sampai dengan pemilik akhir individu; 2. Struktur grup perusahaan (jika ada); 3. Analisis kinerja keuangan; 4. Laporan keuangan tahunan (5 tahun terakhir); dan 5. Profil Dewan Komisaris dan Direksi. 18. Pendidikan dan/atau Pelatihan Dewan Komisaris, Direksi, Komite-Komite, Sekretaris Perusahaan, dan Unit Audit Internal. Meliputi paling kurang informasi (jenis dan pihak yang relevan dalam mengikuti): 1. Pendidikan dan/atau pelatihan untuk Dewan Komisaris; 2. Pendidikan dan/atau pelatihan untuk Direksi; 3. Pendidikan dan/atau pelatihan untuk Komite Audit; 4. Pendidikan dan/atau pelatihan untuk Komite Nominasi dan Remunerasi; 5. Pendidikan dan/atau pelatihan untuk Komite Lainnya; 6. Pendidikan dan/atau pelatihan untuk Sekretaris Perusahaan; dan 7. Pendidikan dan/atau pelatihan untuk Unit Audit Internal. yang diikuti pada tahun buku. Catatan: apabila tidak terdapat pendidikan dan/ atau pelatihan pada tahun buku, agar diungkapkan. V. Analisa dan Pembahasan Manajemen atas Kinerja Perusahaan 1. Tinjauan operasi per segmen usaha. Memuat uraian mengenai: 1. Penjelasan masing-masing segmen usaha. 2. Kinerja per segmen usaha, antara lain: a. Produksi; b. Peningkatan/penurunan kapasitas produksi; c. Penjualan/pendapatan usaha; dan d. Profitabilitas.

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Subject & Explanation 16. Name and address of subsidiary and/or branch offices or representative offices (if any). The information should contain: 1. Name and address of subsidiaries; and 2. Name and address of branch/representative offices. Note: It requires a disclosure if the company has no subsidiaries/ branch/representative. 17. Information on Company Website. Contain at least: 1. Information of shareholder until the last owner of individual; 2. The Structure of Company Group (if any); 3. Analysis of financial performance 4. Annual financial report (last 5 years); and

97, 98, 104

71-72

5. Profile of the Board of Commissioners and Board of Directors 18. Education and/or Training Board of Commissioners, Board of Directors, Committees, Corporate Secretary, and Internal Audit Unit. Covering least information (type and other relevant parties to follow): 1. Education and or training for Board of Commissioners; 2. Education and/or training for Board of Directors; 3. Education and or training for Audit Committee; 4. Education and/or training for Nomination and Remuneration Committee; 5. Education and/or training for Others Committee; 6. Education and/or training for Corporate Secretary; and 7. Education and/or training for Internal Audit Unit. which followed in the fiscal year. Note: if there is no education and/or training in the fiscal year, to be disclosed. V. Management Discussion and Analysis towards Company Performance 1. Operational review per business segment. Contains the description of: 1. Description of each business business segment. 2. Performance of Production/business activity; a. Production; b. Increase/decrease of production capacity; c. Operating sales/revenue; and d. Profitability.

matEri & PEnjElasan 2. Uraian atas kinerja keuangan perusahaan. Analisis kinerja keuangan yang mencakup perbandingan antara kinerja keuangan tahun yang bersangkutan dengan tahun sebelumnya dan penyebab kenaikan/penurunan (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), penghasilan komprehensif lain, dan total laba (rugi) dan penghasilan komprehensif lain; dan 5. Arus kas. 3. Bahasan dan analisis tentang kemampuan membayar utang dan tingkat kolektibilitas piutang perusahaan, dengan menyajikan perhitungan rasio yang relevan sesuai dengan jenis industri perusahaan. Penjelasan tentang : 1. Kemampuan membayar hutang, baik jangka pendek maupun jangka panjang; dan 2. Tingkat kolektibilitas piutang. 4. Bahasan tentang struktur modal (capital structure) dan kebijakan manajemen atas struktur modal (capital structure policy). Penjelasan atas: 1. Rincian struktur modal (capital structure) yang terdiri dari utang berbasis bunga dan ekuitas; dan 2. Kebijakan manajemen atas struktur modal (capital structure policy) dan dasar pemilihan kebijakan tersebut. 5. Bahasan mengenai ikatan yang material untuk investasi barang modal pada tahun buku terakhir. Penjelasan tentang: 1. Tujuan dari ikatan tersebut; 2. Sumber dana yang diharapkan untuk memenuhi ikatan-ikatan tersebut; 3. Mata uang yang menjadi denominasi; dan 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 pada tahun buku terakhir, agar diungkapkan. 6. Bahasan mengenai investasi barang modal yang direalisasikan pada tahun buku terakhir. Penjelasan tentang: 1. Jenis investasi barang modal; 2. Tujuan investasi barang modal; dan

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80-81

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Subject & Explanation 2. Description of company’s financial performance. Analysis of financial performance which includes a comparison between current fiscal year and the previous year and the cause of increase/decrease (in form of tables and charts), among others, concerning: 1. Current assets, non-current assets, and total assets; 2. Short-term liabilities, long-term liabilities, and total liabilities; 3. Equity; 4. Busines sales/revenue, expense, and profit (loss), other comprehensive income, and total of profit (loss) and other comprehensive income; and 5. Cashflow. 3. Discussion and analysis of capacity to pay debts and the collectibility of account receivables, by presenting relevant ratio calculation in accordance with the type of company’s industry. Description of: 1. Ability to pay debts, both in short and long term; and 2. Collectibility of account receivables. 4. Discussion of capital structure and management policy on capital structure policy. Description of: 1. Detail of Capital structure consist of interest and equity based debt; and 2. Management policies of capital structure policy and the basis of policies.

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5. Discussion on significant ties for the investment of capital goods. Description of: 1. The purpose of the ties; 2. Source of funds expected to fulfill the said ties; 3. Currency of denomination; and 4. Steps taken by the company to protect the position of related foreign currency against risks.

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Note: It requires a disclosure if the company has no significant ties for the investment of capital goods in the latest fiscal year. 6. Discussion of capital goods investment that was realized in the latest fiscal year. Description of: 1. Type of capital goods investment; 2. The purpose of capital goods investment; and

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matEri & PEnjElasan 3. Nilai investasi barang modal yang dikeluarkan pada tahun buku terakhir. Catatan: apabila tidak terdapat realisasi investasi barang modal, agar diungkapkan. 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, dan lainnya yang dianggap penting bagi perusahaan. Informasi memuat antara lain: 1. Perbandingan antara target pada awal tahun buku dengan hasil yang dicapai (realisasi); dan 2. Target atau proyeksi yang ingin dicapai dalam 1 (satu) tahun mendatang. 8. Informasi dan fakta material yang terjadi setelah tanggal laporan akuntan. 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. 9. Uraian tentang prospek usaha perusahaan. Uraian mengenai prospek perusahaan dikaitkan dengan industri dan ekonomi secara umum disertai data pendukung kuantitatif dari sumber data yang layak dipercaya. 10. Uraian tentang aspek pemasaran. Uraian tentang aspek pemasaran atas produk dan/atau jasa perusahaan, antara lain strategi pemasaran dan pangsa pasar. 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. Memuat uraian mengenai: 1. Kebijakan pembagian dividen; 2. Total dividen yang dibagikan; 3. Jumlah dividen kas per saham; 4. Payout ratio; dan 5. Tanggal pengumuman dan pembayaran dividen kas. Untuk masing-masing tahun. Catatan: apabila tidak ada pembagian dividen, agar diungkapkan alasannya. 12. Program kepemilikan saham oleh karyawan dan/ atau manajemen yang dilaksanakan perusahaan (ESOP/MSOP) Memuat uraian mengenai:

8

1. Jumlah saham ESOP/MSOP dan realisasinya;

2. Jangka waktu;

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82-84

84

Subject & Explanation 3. The value of capital goods investment in the latest fiscal year. Note: It requires a disclosure if there is no realization capital goods investment. 7. Comparative information of target in the beginning of fiscal year and its realization, and target or projection to be achieved for the next year which include income, profit, capital structure, or others that considered important for the company. Information, among others, includes: 1. Comparison between target in the beginning of fiscal year and its realization; and 2. Target or projection to be achieved in the next 1(one) year. 8. Significant information and fact subsequent to the accountant’s report date. Description of subsequent event including its impact to the business performance and risk in the future. Note: It requires a disclosure if there is no subsequent event.

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86-88

88

88

9. Description of company’s business prospects. Description of the company’s prospects in regards with the industry and economy in general accompanied with supporting quantitative data from reliable data source. 10. Description of marketing aspects. Description of marketing aspect for the company’s products and/or services, such as marketing strategy and market segment. 11. Description of and total of cash dividend per share and total of dividend per year that announced or paid for the last 2 (two) fiscal years. Contains the description of : 1. Dividend distribution policy; 2. Total of distributed dividends; 3. Total of cash dividend per share; 4. Payout ratio;and 5. Announcement date and cash dividend Payment for each year. Note: It requires a disclosure if there is no dividend distribution. 12. Employee Share Ownership Program and/ or Management Share Ownership Program (ESOP/MSOP) which conducted by the company. Contains the description of: 1. Total of ESOP/MSOP shares and its realization; 2. Term;

matEri & PEnjElasan 3. Persyaratan karyawan dan/atau manajemen yang berhak; dan 4. Harga exercise. Catatan: apabila tidak memiliki program dimaksud, agar diungkapkan. 13. Realisasi penggunaan dana hasil penawaran umum (dalam hal perusahaan masih diwajibkan menyampaikan laporan realisasi penggunaan dana)* Memuat uraian mengenai: 1. Total perolehan dana; 2. Rencana penggunaan dana; 3. Rincian penggunaan dana; 4. Saldo dana; dan 5. Tanggal persetujuan RUPS/RUPO atas perubahan penggunaan dana (jika ada). 14. Informasi transaksi material yang mengandung benturan kepentingan dan/atau transaksi dengan pihak afiliasi*. Memuat uraian mengenai:

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3. The requirements for the employee and/ or management; and 4. Exercise price.

89

89

1. Nama pihak yang bertransaksi dan sifat hubungan afiliasi; 2. Penjelasan mengenai kewajaran transaksi; 3. Alasan dilakukannya transaksi; 4. Realisasi transaksi pada periode tahun buku terakhir; 5. Kebijakan perusahaan terkait dengan mekanisme review atas transaksi; dan 6. Pemenuhan peraturan dan ketentuan terkait. Catatan: apabila tidak mempunyai transaksi dimaksud, agar diungkapkan. 15. Uraian mengenai perubahan peraturan perundang-undangan yang berpengaruh signifikan terhadap perusahaan. 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. 16. Uraian mengenai perubahan kebijakan akuntansi yang diterapkan perusahaan pada tahun buku terakhir. Uraian memuat antara lain: perubahan kebijakan akuntansi, alasan dan dampaknya terhadap laporan keuangan. Catatan: apabila tidak terdapat perubahan kebijakan akuntansi, agar diungkapkan.

Subject & Explanation

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Note: It requires a disclosure if there is no referred program. 13. Realization of the use of proceeds from the public offering (in terms of the company still has the obligation to submit the report of proceeds realization). Contains the description of: 1. Total proceeds acquired; 2. Plan of proceeds utilization; 3. Detail of proceeds utilization; 4. Balance of proceeds; and 5. GMS approval date for the change of proceeds utilization (if any). 14. Information of significant transaction which contains conflict of interest and/or transaction with affiliated parties. Contains the description of: 1. Name of parties which conduct transaction and the nature of affiliation; 2. Explanation about the fairness of the transaction; 3. Reasons of transaction; 4. Realization of transaction in the latest fiscal year period; 5. Relevant company’s policy on the transaction review mechanism; and 6. Compliance toward relevant rules and regulations. Note: It requires a disclosure if there is no referred transaction. 15. Description of changes in regulation which have a significant impact on the company. The description, among others, includes: changes in regulation and its impact toward the company. Note: It requires a disclosure if there is no changes in regulation which have a significant impact. 16. Description of changes in the accounting policy which implemented by the company in the latest fiscal year. The description, among others, includes: changes in accounting policy, reason and its impact on financial statements. Note: It requires a disclosure if there is no changes in accounting policy.

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matEri & PEnjElasan

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17. Informasi kelangsungan usaha. 90-91 Pengungkapan informasi mengenai: 1. Hal-hal yang berpotensi berpengaruh signifikan terhadap kelangsungan usaha perusahaan pada tahun buku terakhir; 2. Assessment manajemen atas hal-hal pada angka 1; dan 3. Asumsi yang digunakan manajemen dalam melakukan assessment. Catatan: apabila tidak terdapat hal-hal yang berpotensi berpengaruh signifikan terhadap kelangsungan usaha perusahaan pada tahun buku terakhir, agar diungkapkan asumsi yang mendasari manajemen dalam meyakini bahwa tidak terdapat hal-hal yang berpotensi berpengaruh signifikan terhadap kelangsungan usaha perusahaan pada tahun buku. VI Tata Kelola Perusahaan 1. Uraian Dewan Komisaris 94-98 Uraian memuat antara lain: 1. Uraian tanggung jawab Dewan Komisaris; 2. Program pelatihan dalam rangka meningkatkan kompetensi Dewan Komisaris atau program orientasi bagi Komisaris baru; dan 3. Pengungkapan mengenai Board Charter (pedoman dan tata tertib kerja Dewan Komisaris). 2. Informasi mengenai Komisaris Independen 98 Meliputi antara lain: 1. Kriteria penentuan Komisaris Independen; dan 2. Pernyataan tentang independensi masing- masing Komisaris Independen. 3. Uraian Direksi 98-105 Uraian memuat antara lain: 1. Ruang lingkup pekerjaan dan tanggung jawab masing-masing anggota Direksi; 2. Program pelatihan dalam rangka meningkatkan kompetensi Direksi atau program orientasi bagi Direksi baru; dan 3. Pengungkapan mengenai Board Charter (pedoman dan tata tertib kerja Direksi). 4. Assessment terhadap Dewan Komisaris dan Direksi. 109-110 Mencakup antara lain: 1. Prosedur pelaksanaan assessment atas kinerja Dewan Komisaris dan Direksi; 2. Kriteria yang digunakan dalam pelaksanaan assessment atas kinerja Dewan Komisaris dan Direksi; dan 3. Pihak yang melakukan assessment.

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Subject & Explanation 17. Information of business continuity. Information disclosure of: 1. Potensial items that have significant impact to company business continuity at the end of period; 2. Management assessment on the number 1 items; and 3. The assumptions used by management in conducted the assessment. Notes: if thre are no potentially have significant impact with company business continuity in the end of period, its disclosure the asumption based by management which believes that there are no potentialy have significant impact with company business continuity in the period. VI Good Corporate Governance 1. Description of the Board of Commissioners. The description, among others, includes: 1. Description of the responsibility of the Board of Commissioners. 2. Training program in order to improve the competency of the Board of Commissioners or orientation program for the new Commissioner; and 3. Disclosure of Board Charter (guidelines and work order of the Board of Commissioners). 2. Information of Independent Commissioners Among others, includes: 1. Criteria for appointing Independent Commissioner; and 2. Statement about the independency of each Commissioner Independent. 3. Description of the Board of Directors. The description, among others, includes: 1. Scope of work and responsibility of each member of the Board of Directors. 2. Training program in order to improve the competency of the Board of Directors or orientation program for the new Director; and 3. Disclosure of Board Charter (guidelines and work order of the Board of Directors). 4. Assessment of the Board of Commissioners and the Board of Directors. Among others, includes: 1. Procedure of assessment on the Board of Commissioners and the Board of Directors performance; 2. Criteria of assessment on the Board of Commissioners and the Board of Directors performance; and 3. Party that conducts the assessment.

matEri & PEnjElasan 5. Uraian mengenai kebijakan remunerasi bagi Dewan Komisaris dan Direksi. Mencakup antara lain: 1. Pengungkapan prosedur penetapan remunerasi Dewan Komisaris; 2. Pengungkapan prosedur penetapan remunerasi Direksi; 3. Struktur remunerasi yang menunjukkan jenis dan jumlah imbalan jangka pendek, pasca kerja, dan/atau jangka panjang lainnya untuk setiap anggota Dewan Komisaris; 4. Struktur remunerasi yang menunjukkan jenis dan jumlah imbalan jangka pendek, pasca kerja, dan/atau jangka panjang lainnya untuk setiap anggota Direksi; dan 5. Pengungkapan indikator untuk penetapan remunerasi Direksi. 6. Frekuensi dan tingkat kehadiran rapat Dewan Komisaris, rapat Direksi, dan rapat gabungan Dewan Komisaris dengan Direksi. Informasi memuat antara lain: 1. Tanggal Rapat; 2. Peserta Rapat; dan 3. Agenda Rapat. untuk masing-masing rapat Dewan Komisaris, Direksi, dan rapat gabungan. 7. Informasi mengenai pemegang saham utama dan pengendali, baik langsung maupun tidak langsung, sampai kepada pemilik individu. Dalam bentuk skema atau diagram, kecuali untuk BUMN yang dimiliki sepenuhnya oleh pemerintah. 8. Pengungkapan hubungan afiliasi antara anggota Direksi, Dewan Komisaris, dan Pemegang Saham Utama dan/atau pengendali. Mencakup antara lain: 1. Hubungan afiliasi antara anggota Direksi dengan anggota Direksi lainnya; 2. Hubungan afiliasi antara anggota Direksi dan 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 Komisaris lainnya; dan 5. Hubungan afiliasi antara anggota Dewan Komisaris dengan Pemegang Saham Utama dan/atau pengendali. Catatan: apabila tidak mempunyai hubungan afiliasi dimaksud, agar diungkapkan.

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113-114

115

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Subject & Explanation 5. Description of the remuneration policy for Board of Commissioner and Board of Director. Among others include: 1. Disclosure of Board of Commissioners remuneration stipulation procedures; 2. Disclosure of Board of Directors remuneration stipulation procedures; 3. Remuneration Structure that indicates the type and amount of short-term benefits, post employment, and/or other long-term for each member of the Board of Commissioners; 4. Remuneration Structure that indicates the type and amount of short-term benefits, post employment, and/or other long-term for each member of the Board of Directors; and 5. Indicator disclosure of remuneration stipulation of the Board of Directors. 6. Meetings frequency and attendance of Board of Commissioners, Board of Directors, and joined meeting. Information includes: 1. Meeting Date 2. Meeting participants; and 3. Meeting Agenda. for each of Meeting of Board of Commissioners, Board of Directors and Join Meeting. 7. Information of major and controlling shareholders, both direct or indirect, up to the individual owners. In form of scheme or chart, except for the SOE that is fully owned by the government. 8. Disclosure of affiliation relationship between the member of the Board of Directors, the Board of Commissioners, and Major and/or controlling Shareholders. Among others, includes: 1. Affiliation relationship between the member of the Board of Directors and other member of the Board of Directors; 2. Affiliation relationship between the member of the Board of Directors and the member of the Board of Commissioners; 3. Affiliation relationship between the member of the Board of Directors and Major and/or controlling Shareholders; 4. Affilitaion relationship between the member of the Board of Commissioners and other member of the Board of Commissioners; and 5. Affiliation relationship between the member of the Board of Commissioners and Major and/or controlling Shareholders. Note: It requires a disclosure if there is no referred affiliation relationship.

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matEri & PEnjElasan 9. Komite Audit. 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; dan 6. Frekuensi pertemuan dan tingkat kehadiran komite audit. 10. Komite/Fungsi Nominasi dan/atau Remunerasi. Mencakup antara lain: 1. Nama, jabatan, dan riwayat hidup singkat anggota komite/fungsi nominasi dan/atau remunerasi; 2. Independensi komite/fungsi nominasi dan/ atau remunerasi; 3. Uraian tugas dan tanggung jawab; 4. Uraian pelaksanaan kegiatan komite/fungsi nominasi dan/atau remunerasi; 5. Frekuensi pertemuan dan tingkat kehadiran komite/fungsi nominasi dan/atau remunerasi; 6. Pernyataan adanya pedoman komite/fungsi nominasi dan/atau remunerasi; dan 7. Kebijakan mengenai suksesi Direksi. 11. Komite-komite lain di bawah Dewan Komisaris yang dimiliki oleh perusahaan. Mencakup antara lain: 1. Nama, jabatan, dan riwayat hidup singkat anggota komite lain; 2. Independensi komite lain; 3. Uraian tugas dan tanggung jawab; 4. Uraian pelaksanaan kegiatan komite lain; dan 5. Frekuensi pertemuan dan tingkat kehadiran komite lain. 12. Uraian tugas dan Fungsi Sekretaris Perusahaan. Mencakup antara lain: 1. Nama, domisili, dan riwayat jabatan singkat sekretaris perusahaan; 2. Uraian pelaksanaan tugas sekretaris perusahaan; dan 3. Program pelatihan dalam rangka sekretaris perusahaan. 13. Uraian mengenai unit audit internal. Mencakup antara lain: 1. Nama ketua unit audit internal; 2. Jumlah pegawai (auditor internal) pada unit audit internal;

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9. Audit Committee Among others, includes: 1. Name and position of the member of the audit committee; 2. Qualification of education and work experience of the member of the audit committee; 3. Independency of the member of the audit committee; 4. Description of task and responsibility; 5. Brief report on the activities carried out by the audit committee; and 6. Frequency of meetings and at tendance of the audit committee. 10. Nomination and Remuneration Committee/ 118-121 Function. Among others, includes: 1. Name, position, and brief curriculum vitae of the member of nomination and/or remuneration committee; 2. Independency of the member of nomination and/or remuneration committee; 3. Description of task and responsibility; 4. Description of activities carried out by the nomination and/or remuneration committee; 5. Frequency of meetings and attendance of the nomination and/or remuneration committee/function; 6. Statement of nomination and or remuneration committee guidelines; and 7. Policy regarding the succession of the Board of Directors. 11. Other committees under the Board of 122 Commissioners which owned by the company. Among others, includes: 1. Name, position, and brief curriculum vitae of the member of other committees; 2. Independency of other committee; 3. Description of task and responsibility; 4. Description of activities carried out by other committees; and 5. Frequency of meetings and attendance of other committees. 12. Description of task and function of corporate 125-129 secretary. Among others, includes: 1. Name, domicile, and brief curiculum vitae of corporate secretary; 2. Description of task implementation of corporate secretary; and 3. Training program in order to improve the competency of corporate secretary. 13. Description of internal audit unit. 143-144 Among others, includes: 1. Name of the chairman of internal audit unit; 2. Number of employees (internal auditor)in internal audit unit; 116-118

matEri & PEnjElasan 3. Sertifikasi sebagai profesi audit internal; 4. Kedudukan unit audit internal dalam struktur perusahaan; 5. Laporan singkat pelaksanaan kegiatan unit audit internal; dan 6. Pihak yang mengangkat/memberhentikan ketua unit audit internal. 14. Akuntan Publik. Informasi memuat antara lain: 1. Nama dan tahun akuntan publik yang melakukan audit laporan keuangan tahunan selama 5 tahun terakhir; 2. Nama dan tahun Kantor Akuntan Publik yang melakukan audit laporan keuangan tahunan selama 5 tahun terakhir; 3. Besarnya fee untuk masing-masing jenis jasa yang diberikan oleh akuntan publik pada tahun buku terakhir; dan 4. Jasa lain yang diberikan akuntan selain jasa audit laporan keuangan tahunan pada tahun buku terakhir. Catatan: apabila tidak ada jasa lain dimaksud, agar diungkapkan. 15. Uraian mengenai manajemen risiko perusahaan. Mencakup antara lain: 1. Penjelasan mengenai sistem manajemen risiko yang diterapkan perusahaan; 2. Penjelasan mengenai evaluasi yang dilakukan atas efektivitas sistem manajemen risiko; 3. Penjelasan mengenai risiko-risiko yang dihadapi perusahaan; dan 4. Upaya untuk mengelola risiko tersebut. 16. Uraian mengenai sistem pengendalian intern. Mencakup antara lain: 1. Penjelasan singkat mengenai sistem pengendalian intern, antara lain mencakup pengendalian keuangan dan operasional; 2. Penjelasan kesesuaian sistem pengendalian intern dengan kerangka yang diakui secara internasional (COSO – internal control framework); dan 3. Penjelasan mengenai evaluasi yang dilakukan atas efektivitas sistem pengendalian intern. 17. Uraian mengenai corporate social responsibility yang terkait dengan lingkungan hidup. Mencakup antara lain informasi tentang: 1. Kebijakan yang ditetapkan manajemen; 2. Kegiatan yang dilakukan; dan 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

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Subject & Explanation 3. Certification as internal auditor; 4. Position of the internal audit unit in company’s structure; 5. Brief report of activities carried out by the internal audit unit; and 6. Party that appoints/dismisses the chairman of internal audit unit. 14. Public accountant. Information should contain, among others: 1. The amount of period the public accountant has audited the annual financial statements; 2. The amount of period the Public Accounting Firm has audited the annual financial statements; 3. The amount of fee for each service provided by the public accountant; and

4. Other services provided by the accountant other than the audit of annual financial statements.

Note: It requires disclosure if there is no referred services. 146-156 15. Description of company’s risk management. Among others, includes: 1. Description of risk management system implemented by the company; 2. Description of the evaluation implemented on the effectiveness of the risk management system; 3. Description of risks faced by the company; and 4. Attempt to manage those risks. 157-158 16. Description of internal control system. Among others, includes: 1. Brief description of internal control system, among others, includes financial and operational control; 2. Description of the compliance of internal control system toward the internationally acknowledged framework (COSO – internal control framework); and 3. Description of the evaluation implemented on the effectiveness of internal control system. 17. Description of corporate social responsibility 172 related to the environment. Information should contain, among others: 1. Policy set by the management; 2. Activities that are carried out; and related of environment program regarding with the operational company activity, such as the used of material and energy that is enviromentally friendly and can be recycled, company waste treatment system,

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matEri & PEnjElasan perusahaan, pertimbangan aspek lingkungan dalam pemberian kredit kepada nasabah, dan lain-lain. 3. Sertifikasi di bidang lingkungan yang dimiliki. 18. Uraian mengenai corporate social responsibility yang terkait dengan ketenagakerjaan, kesehatan, dan keselamatan kerja. Mencakup antara lain informasi tentang: 1. Kebijakan yang ditetapkan manajemen; dan 2. Kegiatan yang dilakukan. 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. 19. Uraian mengenai corporate social responsibility yang terkait dengan pengembangan sosial dan kemasyarakatan. Mencakup antara lain informasi tentang: 1. Kebijakan yang ditetapkan manajemen; 2. Kegiatan yang dilakukan; dan 3. Biaya yang dikeluarkan. 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. 20. Uraian mengenai corporate social responsibility yang terkait dengan tanggung jawab kepada konsumen. Mencakup antara lain: 1. Kebijakan yang ditetapkan manajemen; dan 2. Kegiatan yang dilakukan. terkait tanggung jawab produk, seperti kesehatan dan keselamatan konsumen, informasi produk, sarana, jumlah dan penanggulangan atas pengaduan konsumen, dan lain-lain. 21. Perkara penting yang sedang dihadapi oleh perusahaan, entitas anak, serta anggota Dewan Komisaris dan anggota Direksi yang menjabat pada periode laporan tahunan. Mencakup antara lain: 1. Pokok perkara/gugatan; 2. Status penyelesaian perkara/gugatan; 3. Pengaruhnya terhadap kondisi perusahaan; dan 4. Sanksi administrasi yang dikenakan kepada perusahaan, anggota Dewan Komisaris dan Direksi, oleh otoritas terkait (pasar modal, perbankan dan lainnya) pada tahun buku terakhir (atau terdapat pernyataan bahwa tidak dikenakan sanksi administrasi). Catatan: dalam hal tidak berperkara, agar diungkapkan.

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172

173

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consideration of environmental aspects in the credit channelling to customers, and etc.

3. Certificate on environmental. 18. Description of corporate social responsibility related to the employment, occupational health and safety. Information should contain, among others: 1. Policy set by the management; and 2. Activities that are carried out. In regards with the practice of employment, health, work safety, such as, equality of gender and work oppurtunity, facility and work safety, employee turn over rate, work accident rate, etc. 19. Description of corporate social responsibility related to the community and social development. Information should contain, among others: 1. Policy set by the management; 2. Activities that are carried out; and 3. Costs incurred. In regards with the community and social development, such as local worker recruitment, community empowerment around the company, social facilities repairement, other donations, etc. 20. Description of corporate social responsibility related to the product responsibility toward consumer. Among others, includes: 1. Policy set by the management; and 2. Activities that are carried out. In regards with the product responsibility, such as customer health and safety, product information, facility, total and customer complaint control, etc. 21. Legal disputes faced by the company, subsidiaries entity, and Board of Commissioners and Board of Director members that served during the period of annual report. Among others, includes: 1. Subject of the case/lawsuit; 2. Settlement status of the case/lawsuit; 3. Potential impacts on the financial condition of the company; and 4. Administrative sanction imposed to the company, Board of Commissioner and Board of Director members y the relevant authority (capital market, banking and others) at the end of period (or statement that no administrative sanctions imposed). Note: It requires a disclosure if there is no dispute.

matEri & PEnjElasan 22. Akses informasi dan data perusahaan. 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. 23. Bahasan mengenai kode etik. Memuat uraian antara lain: 1. Isi kode etik; 2. Pengungkapan bahwa kode etik berlaku bagi seluruh level organisasi; 3. Penyebarluasan kode etik; 4. Jenis sanksi untuk setiap pelanggaran kode etik; dan 5. Jumlah pelanggaran kode etik beserta sanksi yang diberikan pada tahun buku terakhir. Catatan: apabila tidak terdapat pelanggaran kode etik pada tahun buku terakhir, agar diungkapkan. 24. Pengungkapan mengenai whistleblowing system. Memuat uraian tentang mekanisme whistle blowing system antara lain: 1. Penyampaian laporan pelanggaran; 2. Perlindungan bagi whistle blower; 3. Penanganan pengaduan; 4. Pihak yang mengelola pengaduan; dan 5. Jumlah pengaduan yang masuk dan diproses pada tahun buku terakhir serta tindak lanjutnya. Catatan: apabila tidak terdapat pengaduan yang masuk pada tahun buku terakhir, agar diungkapkan. 25. Kebijakan mengenai keberagaman komposisi Dewan Komisaris dan Direksi. Uraian kebijakan Perusahaan mengenai keberagaman komposisi Dewan Komisaris dan Direksi dalam pendidikan (bidang studi), pengalaman kerja, usia, dan jenis kelamin. Catatan: apabila tidak ada kebijakan dimaksud, agar diungkapkan alasan dan pertimbangannya. VII Informasi Keuangan 1. Surat Pernyataan Direksi dan/atau Dewan Komisaris tentang Tanggung Jawab atas Laporan Keuangan.* Kesesuaian dengan peraturan terkait tentang Tanggung Jawab atas Laporan Keuangan. 2. Opini auditor independen atas laporan keuangan.

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22. Access to information and corporate data. Description of the availability of access to information and corporate data to the public, for example through the website (in Indonesian and English), mass media, mailing lists, newsletters, analyst meetings, etc.

159-160

23. Discussion of code of conduct. Contains description of: 1. Contents of the code of conduct; 2. Disclosure of the code of conduct applies to all organization level; 3. Dissemination of code of conduct; 4. Type of sanction for each ethic code infringement; and 5. Total of ethic code infringement and sanction given at the end of period. Notes: if there are no athic code infringement in the last period, its this closure.

160-161

24. Disclosure of whistle blowing system. Contains a description of the mechanism of whistle blowing system, among others: 1. Submission of violation reports; 2. Protection for the whistleblower; 3. Handling the complaint; 4. Party that manages the complaint; and 5. Amount of incoming complaints and processed in the last fiscal year as well as its follow-up. Notes: if there are no compaints at the end of the period, to be disclosured.

161

25. Policies of diversity in the composition of Board of Commissioner and Board of Director. Description of the Company’s policy regarding diversity in the composition of the Board of Commissioners and Directors in education (field of study), work experience, age, and gender. Note: It requires a disclosure of reason and consideration if there is no such policy.

3 3

VII Financial Information 1. Statement by the Board of Directors and/ or the Board of Commissioners concerning the responsibility toward financial statements. Compliance with relevant regulations on the responsibility toward financial statements. 2. Opinion of independent auditor on the financial statements.

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matEri & PEnjElasan 3. Deskripsi Auditor Independen di Opini. Deskripsi memuat tentang: 1. Nama & tanda tangan; 2. Tanggal Laporan Audit; dan 3. Nomor ijin KAP dan nomor ijin Akuntan Publik. 4. Laporan keuangan yang lengkap. Memuat secara lengkap unsur-unsur laporan keuangan: 1. Laporan posisi keuangan; 2. Laporan laba rugi dan penghasilan komprehensif lain; 3. Laporan perubahan ekuitas; 4. Laporan arus kas; 5. Catatan atas laporan keuangan; 6. Informasi komparatif mengenai periode sebelumnya; dan 7. Laporan posisi keuangan pada awal periode sebelumnya ketika entitas menerapkan suatu kebijakan akuntansi secara retrospektif atau membuat penyajian kembali pos- pos laporan keuangan, atau ketika entitas mereklasifikasi pos-pos dalam laporan keuangannya (jika relevan). 5. Perbandingan tingkat profitabilitas. Perbandingan kinerja/laba (rugi) tahun berjalan dengan tahun sebelumnya. 6. Laporan Arus Kas. 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; dan 4. Pengungkapan transaksi non kas harus dicantumkan dalam catatan atas laporan keuangan. 7. Ikhtisar Kebijakan Akuntansi. Meliputi sekurang-kurangnya: 1. Pernyataan kepatuhan terhadap SAK; 2. Dasar pengukuran dan penyusunan laporan keuangan; 3. Pajak penghasilan; 4. Imbalan kerja; dan 5. Instrumen Keuangan. 8. Pengungkapan transaksi pihak berelasi. Hal-hal yang diungkapkan antara lain: 1. Nama pihak berelasi, serta sifat dan hubungan dengan pihak berelasi;

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5-6 8-9

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70-72

Subject & Explanation 3. Description of the independent auditor in the opinion. Description should contain: 1. Name and signature; 2. Date of audit report; and 3. License number of PAF and license number of public accountants. 4. Comprehensive financial statements. Comprehensively contains the elements of financial statements: 1. Balance sheet; 2. Statement of profit loss and other comprehensive income; 3. Statement of change sinequity; 4. Statement of cash flows: 5. Accompanying notes to the financial statements; 6. Comparative information of previous period; and 7. Balance sheet in the beginning of previous periode when the entity applies an accounting policy restrospectively or represent its account of financian statements or when entity classifies the accounts in the financial statement (if relevant). 5. Comparison of profitability. Comparison of performance/profit(loss) in current period and previous year. 6. Statement of cash flow. Meet the following requirements: 1. Clustered in three activity categories: operating, investing, and financing; 2. Use of direct method to report cash flows from the operating activity; 3. Separation of presentation between cash acceptance and/or disbursement during the current year in the operating, investing and financing activities; and 4. Disclosure of non cash transaction should be stated in the accompanying notes of financial statements. 7. Overview of accounting policies. Includes at least: 1. Statement and compliance with FAS; 2. Basis of measurement and preparation of financial statements; 3. Income tax; 4. Employee benefits; and 5. Financial instruments. 8. Disclosure on transactions with related parties. Among others, includes: 1. Name of related party, as well as the nature and relationship with the related party;

matEri & PEnjElasan 2. Nilai transaksi beserta persentasenya terhadap total pendapatan dan beban terkait; dan 3. Jumlah saldo beserta persentasenya terhadap total aset atau liabilitas. 9. Pengungkapan yang berhubungan dengan perpajakan. Hal-hal yang harus diungkapkan: 1. Rekonsiliasi fiskal dan perhitungan beban pajak kini; 2. Penjelasan hubungan antara beban (penghasilan) pajak dan laba akuntansi; 3. Pernyataan bahwa Laba Kena Pajak (LKP) hasil rekonsiliasi dijadikan dasar dalam pengisian SPT Tahunan PPh Badan; 4. Rincian aset dan liabilitas pajak tangguhan yang diakui pada laporan posisi keuangan untuk setiap periode penyajian, dan jumlah beban (penghasilan) pajak tangguhan yang diakui pada laporan laba rugi apabila jumlah tersebut tidak terlihat dari jumlah aset atau liabilitas pajak tangguhan yang diakui pada laporan posisi keuangan; dan 5. Pengungkapan ada atau tidak ada sengketa pajak. 10. Pengungkapan yang berhubungan dengan aset tetap. 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); 4. Rekonsiliasi jumlah tercatat bruto dan akumulasi penyusutan aset tetap pada awal dan akhir periode dengan menunjukkan: penambahan, pengurangan dan reklasifikasi. 11. Pengungkapan yang berhubungan dengan segmen operasi.* Hal-hal yang harus diungkapkan: 1. Informasi umum yang meliputi faktor-faktor yang digunakan untuk mengidentifikasi segmen yang dilaporkan; 2. Informasi tentang laba rugi, aset, dan liabilitas segmen yang dilaporkan; 3. Rekonsiliasi dari total pendapatan segmen, laba rugi segmen yang dilaporkan, aset segmen, liabilitas segmen, dan unsur material segmen lainnya terhadap jumlah terkait dalam entitas; dan

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Subject & Explanation 2. Value of transaction and its percentage toward the relevant total income and expenses; and 3. Amount of balance and its percentage toward total assets or liabilities. 9. Disclosure related to the taxation. Issues that should be disclosed: 1. Fiscal reconciliation of and calculation of current tax expenses; 2. Explanationon there lation between tax expenses (income) and accounting income; 3. Statement that Taxable Income from the result of reconciliation becomes the basis of filling the Annual Agency Income Tax Returns; 4. Details of deferred tax assets and liabilities which acknowledged in the statement of financial position in every reporting period, and the amount of deferred tax expenses (income) acknowledged in the statement of income if the amount is not visible from the total deferred tax assets or liabilities which presented in the statement of financial position; and 5. Disclosure of whether or not there is a tax dispute. 10. Disclosure related to fixed assets. Issues that should be disclosed: 1. Depreciation method used; 2. Description of the selected accounting policies between the revaluation model and cost model; 3. The methods and significant assumptions used in estimating the fair value of fixed assets (revaluation model) or disclosure of the fair value of fixed assets (cost model); and 4. Reconciliation of the gross book value and accumulated depreciation of fixed assets at the beginning and end of the reporting period, showing any addition, reduction and reclassification. 11. Disclosure related to the operation segment. Issues that should be disclosed: 1. General information that includes the factors that are used to identify the reported segment; 2. Information of income, assets, and liabilities of reported segment; 3. Reconciliation from the total revenue, income, assetssegment, liabilities, other significant elements of reported segment toward the relevant total in the entity; and

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matEri & PEnjElasan 4. Pengungkapan pada level entitas, yang meliputi informasi tentang produk dan/atau jasa, wilayah geografis dan pelanggan utama. 12. Pengungkapan yang berhubungan dengan Instrumen Keuangan. Hal-hal yang harus diungkapkan: 1. Rincian instrumen keuangan yang dimiliki berdasarkan klasifikasinya; 2. Nilai wajar dan hirarkinya untuk setiap kelompok instrumen keuangan; 3. Kebijakan manajemen risiko; 4. Penjelasan risiko yang terkait dengan instrumen keuangan: risiko pasar, risiko kredit dan risiko likuiditas; dan 5. Analisis risiko yang terkait dengan instrumen keuangan secara kuantitatif. 13. Penerbitan laporan keuangan. Hal-hal yang diungkapkan antara lain: 1. Tanggal laporan keuangan diotorisasi untuk terbit; dan 2. Pihak yang bertanggung jawab mengotorisasi laporan keuangan. *Kriteria khusus untuk Perusahaan Listed/ Special criteria for Listed Company

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3

4. Disclosure on entity level,which includes information of products and/or services, geographic areas and major customers.

12. Disclosures related to financial instruments. Issues that should be disclosed: 1. Details of financial instruments based on its classification; 2. The fiar value and hierarchical of each class of financial instrument; 3. Policies of risk management; 4. Explanation of the risk sassociated with financial instruments: market risk, credit risk and liquidity risk; and 5. Quantitative risk analysis relevant to the financial instruments. 13. Publication of financial statements. Issues that should be disclosed, among others: 1. The date that financial statements is authorized to be published; and 2. The party responsible to authorize the published financial statements.

Konsep Desain Vektor. Vector Design Concepts

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