Laporan Tahunan 2015 PT. BANK SINARMAS Tbk. ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis LAPORAN

KILAS KINERJA 2015 Flashback Performance of 2015

322

LAPORAN Manajemen Management Report

PROFIL PERUSAHAAN Company Profile

ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis

Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.

Tinjauan Unit-Unit Bisnis Overview of Business Units

TATA KELOLA PERUSAHAAN Good Corporate Governance

Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility

Laporan Keuangan Konsolidasi Consolidated Financial Statement

Tata Kelola Perusahaan

Good Corporate Governance

Annual Report 2015 | PT. BANK SINARMAS Tbk.

323





Bank Sinarmas berkomitmen untuk senantiasa memberikan nilai tambah bagi para pemangku kepentingan. Salah satu kunci utama yang mendukung komitmen tersebut adalah penerapan prinsip tata kelola perusahaan yang baik secara konsisten dan konsekuen serta menjadikannya sebagai budaya kerja yang berlaku di dalam Perusahaan.

Bank Sinarmas is committed to continuously providing added value to all Stakeholders. One of the keys to supporting this commitment is by consistently and responsible implementing good corporate governance principles and developing it as a working culture in the Company.

324 324

Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk. Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.





Tata Kelola Perusahaan Good Corporate Governance

DASAR PENERAPAN TATA KELOLA PERUSAHAAN

BASIS OF CORPORATE GOVERNANCE IMPLEMENTATION

Pemahaman atas pentingnya penerapan prinsip-prinsip

Bank Sinarmas’ implementation of GCG best practices to

tata kelola perusahaan yang baik atau Good Corporate

achieve a sustainable and long-term business goals is rooted

Governance (GCG) mendasari Bank Sinarmas untuk

from the Bank’s understanding on the importance of good

melaksanakan praktik GCG terbaik guna mencapai tujuan

corporate governance (GCG) principles. Bank Sinarmas is

bisnis jangka panjang yang berkesinambungan. Bank Sinarmas

committed to enforcing GCG principles as a benchmark in all

berkomitmen untuk menjadikan prinsip-prinsip GCG sebagai

levels of the organization. Bank Sinarmas also realizes that

acuan di seluruh tingkatan dan jenjang organisasi. Bank

consistent implementation of GCG principles will enhance the

Sinarmas juga menyadari bahwa terlaksananya prinsip-prinsip

Company’s competitive edge, increase its performance, as well

GCG secara konsisten akan memperkuat posisi daya saing,

as trusts from the shareholders and Stakeholders.

meningkatkan kinerja serta meningkatkan kepercayaan para pemegang saham dan Stakeholders lainnya. Dasar implementasi GCG Bank Sinarmas berpedoman pada

The basis of GCG implementation at Bank Sinarmas is in line

ketentuan-ketentuan sebagai berikut:

with the following regulations:

1. Undang-Undang Republik Indonesia

1. Laws of the Republic of Indonesia

• Undang-undang Republik Indonesia No. 10 Tahun 1998 tentang perubahan atas Undang-undang No. 7

• Law of the Republic of Indonesia No.10 Year 1998 on amendment to Law No.7 year 1992 on Banking.

tahun 1992 tentang Perbankan • Undang-undang Republik Indonesia No. 40 Tahun 2007 tentang Perseroan Terbatas 2. Peraturan Bank Indonesia • Peraturan Bank Indonesia No.8/4/PBI/2006 tanggal 30

• Law of the Republic of Indonesia No.40 Year 2007 on Limited Liability Company. 2. Bank Indonesia Regulation • Bank Indonesia Regulation No.8/4/PBI/2006 dated

Januari 2006 Tentang Pelaksanaan Good Corporate

January 30, 2006 on Good Corporate Governance

Governance bagi Bank Umum jo. Peraturan Bank

By Commercial Banks as amended by Bank Indonesia

Indonesia No.8/14/PBI/2006 Tanggal 05 Oktober 2006

Regulation No.8/14/PBI/2006 dated October 05, 2006

Tentang Pelaksanaan Good Corporate Governance

on Implementation of Good Corporate Governance for

Bagi Bank Umum

Commercial Banks

• Peraturan bank Indonesia No.11/33/PBI/2009 Tanggal

• Bank Indonesia Regulation No.11/33/PBI/2009 dated

7 Desember 2009 Tentang Pelaksanaan Good

December 7, 2009 on The Implementation of Good

Corporate Governance bagi Bank Umum Syariah dan

Corporate Governance by Islamic Commercial Banks

Unit Usaha Syariah

and Islamic Business Units

• Surat Edaran Bank Indonesia No.15/15/DPNP Tanggal 29 April 2013 perihal Pelaksanaan Good Corporate Governance bagi Bank Umum • Surat Edaran Bank Indonesia No.12/13/DPbS Tanggal

• Bank Indonesia Circular Letter No.15/15/DPNP dated April 29, 2013 concerning The Implementation of Good Corporate Governance for Commercial Banks • Bank Indonesia Circular Letter No.12/13/DPbS dated

30 April 2010 perihal Pelaksanaan Good Corporate

April 30, 2010 concerning The Implementation of

Governance bagi Bank Umum Syariah dan Unit Usaha

Good Corporate Governance for Islamic Commercial

Syariah

Banks and Islamic Business Units


325



3. Peraturan Otoritas Jasa Keuangan • Peraturan Otoritas Jasa Keuangan No.18/POJK.03/2014



3. Financial Services Authority Regulation • Financial Service Authority Regulation No.18/

Tanggal 18 November 2014 Tentang Penerapan Tata

POJK.03/2014 dated November 18, 2014 on The

Kelola Terintegrasi bagi Konglomerasi Keuangan

Implementation of Integrated Governance for Financial Conglomerate

• Peraturan Otoritas Jasa Keuangan No.21/POJK.04/2015 Tanggal 16 November 2015 Tentang Penerapan Pedoman Tata Kelola Perusahaan terbuka 4. Pedoman GCG Komite Nasional Kebijakan Governance

• Financial Services Authority Regulation No.21/ POJK.04/2015 dated November 16, 2015 on The Implementation of Public Corporate Governance 4. GCG Guideline from National Committee on Governance Policy

• Pedoman GCG Indonesia yang dikembangkan oleh Komite Nasional Kebijakan Governance • Pedoman GCG Perbankan Indonesia yang dikembangkan oleh Komite Nasional Kebijakan

• Indonesia GCG Guideline developed by National Committee on Governance Policy • GCG Guideline for Indonesian Banking developed by National Committee on Governance Policy

Governance Bank Sinarmas telah melaksanakan sistem tata kelola

Bank Sinarmas has conducted good corporate governance

perusahaan yang baik sehingga Manajemen dapat

system that enables the Management to hold responsible

mempertanggungjawabkan akuntabilitas keuangan,

to its financial accountability, transparency, and attitude

transparansi dan perilaku yang sesuai dengan kode etik

that reflects code of conduct toward the Stakeholders

kepada para pemangku kepentingan melalui penentuan

through their determination on business strategies and

strategi bisnis dan keputusan-keputusan penting yang

strategic decisions that they will monitor. The highest organ

diawasinya. Organ tertinggi tata kelola perusahaan adalah

of corporate governance is GMS, which has the power to

RUPS, yang dapat menunjuk Dewan Komisaris untuk

appoint Board of Commissioners to monitor the Board of

memantau pelaksanaan tugas Direksi dalam mengawasi

Directors’ duty implementation on company management.

pengelolaan perusahaan.

PRINSIP-PRINSIP TATA KELOLA

CORPORATE GOVERNANCE PRINCIPLES

Sebagai lembaga intermediasi dan lembaga kepercayaan,

As an intermediary and trusted institution, and in running its

dalam melaksanakan kegiatan usaha Bank Sinarmas

business activities, Bank Sinarmas adheres to the transparency

menganut prinsip keterbukaan (transparency); memiliki

principles; has performance indicators in place that are

indikator kinerja berdasarkan ukuran-ukuran yang konsisten

based on parameters which are in line with the Bank’s

dengan corporate values; sasaran usaha dan strategi sebagai

corporate values; has business targets and strategies as a

pencerminan akuntabilitas Bank Sinarmas (accountability);

form of accountability of Bank Sinarmas; upholds prudential

berpegang pada prudential banking practices dan menjamin

banking practices and ensures the Bank’s enforcement of the

dilaksanakannya ketentuan yang berlaku sebagai wujud

applicable regulations as part of its responsibility; strives to

tanggung jawab Bank Sinarmas (responsibility); objektif dan

be objective and free from the pressure from any parties in

bebas dari tekanan pihak manapun dalam pengambilan

making decision (independency); and continues to take into

keputusan (independency); serta senantiasa memperhatikan

account the interest of all Stakeholders based on fairness

kepentingan seluruh Stakeholders berdasarkan asas

principle.

kesetaraan dan kewajaran (fairness).

326






Keterbukaan Transparency

Akuntabilitas Independensi

Accountability

Independency

Prinsip GCG Pinciple GCG

Kewajaran Fairness

PertanggungJawaban Responsibility

Prinsip-prinsip GCG menjadi perangkat standar yang bertujuan

GCG principles are a basic standard to improve image,

untuk memperbaiki citra, efisiensi, efektivitas, dan tanggung

efficiency, effectiveness, and social responsibility of Bank

jawab sosial Bank Sinarmas. Secara umum, prinsip-prinsip

Sinarmas. Generally, GCG pirnciples implemented by Bank

GCG yang diterapkan oleh Bank Sinarmas tercermin dalam

Sinarmas are reflected on the following aspects:

aspek-aspek berikut: • Keterbukaan

• Transparency

Bank Sinarmas berkomitmen untuk memberikan informasi

Bank Sinarmas is committed to providing information

secara jelas, terbuka, dan akurat demi kepentingan

clearly, transparently, and accurately for its Stakeholders

pemegang saham dan Stakeholders. Proses keterbukaan

and shareholders. The Bank’s transparency practices

tersebut tetap memperhatikan ketentuan terkait rahasia

maintain confidentiality aspects, such as the bank’s

Bank, rahasia jabatan, dan hak-hak pribadi sesuai dengan

confidential information, confidential position, and

peraturan yang berlaku. Prinsip ini diterapkan oleh Bank

personal rights, according to the existing rules. This

Sinarmas dengan menyediakan informasi secara tepat

principle is carried out by Bank Sinarmas by providing

waktu, memadai, jelas, akurat dan dapat diperbandingkan

information in a timely, proper, clear, accurate, and

serta mudah diakses oleh Stakeholders sesuai dengan

comparable manner, which is also accessible to the

haknya. Selain itu, informasi yang diberikan meliputi

Stakeholders, for the sake of fulfilling their rights. In

namun tidak terbatas pada hal-hal yang bertalian dengan

addition, the given information includes but not limited to

visi, misi, sasaran usaha dan strategi perusahaan, kondisi

matters relating with the vision, mission, business targets

keuangan, susunan dan kompensasi pengurus, pemegang

and corporate strategies, financial condition, composition

saham pengendali, cross shareholding, pejabat eksekutif,

and compensation of the boards, the controlling


327





pengelolaan risiko (risk management), sistem pengawasan

shareholders, cross shareholding, executive officials, risk

dan pengendalian intern, status kepatuhan, sistem dan

management, supervisory and internal control system,

pelaksanaan GCG serta kejadian penting yang dapat

compliance status, GCG system and implementation, and

mempengaruhi kondisi Bank.

significant events that may affect the Bank’s condition.

• Akuntabilitas

• Accountability

Dengan menerapkan prinsip akuntabilitas maka fungsi,

By implementing accountability principle, the functions,

tugas, wewenang dan pertanggungjawaban di setiap

duties and responsibilities of each organ of the Bank

masing-masing organ Bank akan semakin jelas. Bank

will be a lot clearer. Bank Sinarmas applies this principle

Sinarmas menerapkan prinsip ini dengan memastikan

by ensuring that the check and balance system is in

terdapatnya check and balance system dalam pengelolaan

place in the Bank’s management, and that the Bank has

Bank serta memiliki ukuran kinerja berdasarkan ukuran-

performance indicators that are based on the agreed

ukuran yang disepakati konsisten dengan nilai perusahaan

parameters which are in line with the corporate values.

(corporate values). • Pertanggungjawaban

• Responsibility

Perusahaan mematuhi peraturan perundang-undangan

The Company complies with the prevailing rules and

serta melaksanakan tanggung jawab terhadap

regulations and conducts its responsibilities to the

masyarakat dan lingkungan sehingga dapat memelihara

community and environment, so that it can maintain

kesinambungan usaha dalam jangka panjang dan

its business continuity for the long term and obtain

mendapat pengakuan sebagai good corporate citizen.

acknowledgement as a good corporate citizen. Bank

Bank Sinarmas juga menerapkan prinsip ini dengan

Sinarmas also implements this principle by taking into

berpegang pada prinsip kehati-hatian (prudential banking

account prudential banking principles while ensuring its

practices) dan menjamin dilaksanakannya ketentuan yang

compliance with the prevailing regulations.

berlaku. • Independensi

• Independency

Untuk melancarkan pelaksanaan asas GCG, Perusahaan

In order to improve the implementation of GCG principles,

dikelola secara independen sehingga masing-masing

the Company is managed independently; thus each organ

organ perusahaan selalu berusaha untuk objektif dalam

of the Company strives to be objective in making any

setiap pengambilan keputusan serta mengedepankan

decisions, upholds professionalism, independency and

profesionalisme, kemandirian, dan objektivitas agar

objectivity in order not to dominate each other and be

tidak saling mendominasi dan tidak dapat diintervensi

intervened by another party. Bank Sinarmas continues to

oleh pihak lain. Bank Sinarmas senantiasa menghindari

prevent the occurrence of unfair domination from any

terjadinya dominasi yang tidak wajar oleh Stakeholders

Stakeholders, strive to not to be influenced by one-sided

manapun dan tidak terpengaruh oleh kepentingan

interest, and free from conflict of interest.

sepihak serta bebas dari benturan kepentingan (conflict of interest). • Kesetaraan

• Fairness

Dalam melaksanakan kegiatan usaha, Perusahaan

In conducting business activities, the Company

senantiasa memperhatikan kepentingan pemegang saham

continuously prioritizes the interest of shareholders

dan pemangku kepentingan lainnya berdasarkan asas

and other Stakeholders based on fairness and equality

kewajaran dan kesetaraan. Bank Sinarmas memberikan

principles. Bank Sinarmas provides the opportunity to all

kesempatan kepada seluruh Stakeholders untuk

Stakeholders to give their input and opinion for the Bank’s

memberikan masukan dan menyampaikan pendapat

interest and to have access to information, as suggested

bagi kepentingan Bank serta mempunyai akses terhadap

by the transparency principle.

informasi sesuai dengan prinsip keterbukaan.

328






IMPLEMENTASI TATA KELOLA

CORPORATE GOVERNANCE IMPLEMENTATION

Bank Sinarmas selalu berusaha menerapkan prinsip-prinsip

Bank Sinarmas continuously attempts to apply GCG principles

GCG di setiap aspek bisnis dan semua lini Perseroan.

in every aspect of business and in all lines of the Company.

Penerapan prinsip ini dilakukan untuk menciptakan tata kelola

The implementation of this principle aims to create an

yang efektif, efisien dan berkesinambungan. Prinsip / Principles

Implementasi / Implementation

Transparansi / Transparency Principle

• Menyampaikan pengumuman laporan keuangan publikasi triwulan dan tahunan melalui surat kabar harian berbahasa Indonesia paling sedikit 1 (satu) surat kabar yang beredar secara nasional / Announcing the publication of quarterly and annual financial statements through Indonesian daily newspaper, in at least 1 (one) newspaper with national circulation. • Menyampaikan laporan tahunan Bank kepada Regulator, Yayasan Lembaga Konsumen Indonesia, Lembaga Pemeringkat di Indonesia, Asosiasi Perbankan di Indonesia, Lembaga Pengembangan Perbankan Indonesia, 2 (dua) Lembaga Penelitian Ekonomi dan Keuangan, dan 2 (dua) Majalah Ekonomi dan Keuangan / Submitting the Bank’s annual report to Regulator, Indonesian Consumers Foundation, Indonesia Rating Agencies, Indonesian Banking Association, Indonesia Banking Development Institute, 2 (two) Research Institutes on Economy and Finance, and 2 (two) Economic and Finance Magazines.

Akuntabilitas / Accountability

• Menetapkan tanggung jawab yang jelas dari masing-masing organ Bank yang selaras dengan visi, misi, sasaran usaha, dan strategi Bank Sinarmas / Specifying clear responsibility for each organ of the Bank in accordance with the vision, mission, business targets and strategies of Bank Sinarmas. • Menerapkan check and balance system / Implementing check and balance system. • Memiliki ukuran kinerja dari semua jajaran berdasarkan ukuran yang disepakati, konsisten dengan nilai-nilai perusahaan (corporate values), sasaran usaha, dan strategi Bank, serta memiliki sistem reward dan punishment / Having performance indicators of all levels of the organization that are based on the agreed benchmark which is in line with the corporate values, business targets, and strategies of the Bank, and having reward and punishment system in place. • Meyakini bahwa semua organ pada struktur organisasi Bank mempunyai kompetensi yang sesuai dengan tanggung jawab dan memahami perannya dalam implementasi GCG / Having faith that all organs in the organizational structure of the Bank have the competency that meets their responsibility and understand their contribution in the implementation of GCG.

Tanggung jawab / Responsibility

• Berpegang pada prinsip kehati-hatian (prudential banking practices) dan menjamin kepatuhan terhadap peraturan yang berlaku / Upholding prudential banking practices and ensuring compliance with the applicalbe regulations. • Peduli terhadap lingkungan dan tidak melupakan tanggung jawab sosialnya terhadap masyarakat / Caring about the environment and not putting aside its responsibility to the community.

Kewajaran / Fairness

Senantiasa memenuhi segala hak-hak seluruh pemegang saham maupun Stakeholders lainnya secara wajar dan setara, sehingga tidak terjadi dominasi yang tidak wajar dari pihak manapun. Bank Sinarmas juga memberikan kesempatan kepada seluruh Stakeholders untuk menyampaikan pendapat dan masukan untuk kepentingan Perseroan / Continuously fulfilling all rights of the shareholders and Stakeholders in a fair and equal manner to avoid unfair domination from any other party. Bank Sinarmas also provides the opportunity to all Stakeholders to give their opinion and feedback for the Company’s advantage.

Independensi / Independency

• Senantiasa menghindari terjadinya dominasi yang tidak wajar oleh Stakeholders manapun / Continuously avoiding unfair domination from any Stakeholders. • Berusaha untuk tidak terpengaruh oleh kepentingan sepihak / Doing the best effort as possible to not to be influenced by a one-sided interest. • Membebaskan diri dari benturan kepentingan (conflict of interest) / Freeing itself from any conflict of interest. • Berusaha mengambil keputusan secara objektif dan bebas dari segala tekanan / Trying to always make objective decision and free from any pressures.

Manfaat besar dari implementasi GCG di lingkungan kerja

The implementation of GCG at work environment of Bank

Bank Sinarmas sangat terasa. Dampak positif dari pelaksanaan

Sinarmas has a huge impact on the Company. Positive impacts

GCG dijabarkan menjadi 3 (tiga) garis besar, meliputi:

from the implementation of GCG are categorized into 3 (three) aspects, namely:


329




• People - menghasilkan SDM yang memiliki kompetensi


• People - creating competent human resources that

dan mampu mengadaptasi nilai-nilai GCG serta menjalin

are able to adopt GCG values and build harmonious

interaksi yang harmonis dengan nasabah dan pemangku

interaction wiht the customers and the other Stakeholders.

kepentingan lainnya. • Planet - berkontribusi nyata terhadap lingkungan dan

• Planet - giving real contribution to the environment and community empowerment.

pemberdayaan masyarakat. • Profit - mengoptimalkan peraihan laba dan mencapai

• Profit - optimizing revenues and reaching high growth.

pertumbuhan yang tinggi. Perseroan juga melaksanakan sosialisasi dan internalisasi

The Company also internalizes and socializes GCG to all its

GCG kepada seluruh jajaran manajemen dan pegawai untuk

management and employees to ensure their compliance

memastikan ketaatan terhadap praktik GCG. Perseroan

with GCG practices. The Company believes that GCG must

yakin bahwa penerapan GCG dilakukan tidak hanya sekedar

be implemented not only to comply with the applicable

mematuhi ketentuan yang berlaku, melainkan juga harus

regulation. It must be internailzed in the Bank’s daily practices.

ditunjukkan dalam praktik keseharian. Dengan melaksanakan

With the implementation of GCG, the Company is optimistic

GCG, Perseroan optimis dapat terus menjaga kepercayaan

that it can always maintain the trust of all Stakeholders. The

yang diberikan oleh seluruh pemangku kepentingan.

Company is determined to become good corporate citizen in

Perseroan juga bertekad untuk menuju Good Corporate

the future.

Citizen pada masa mendatang.

TAHAPAN IMPLEMENTASI TATA KELOLA

PHASE OF GOVERNANCE IMPLEMENTATION

Tahapan implementasi Tata kelola Bank Sinarmas yaitu (1)

Phase of implementation of Bank Sinarmas Governance,

Komitmen Tata Kelola Perusahaan, (2) Struktur Tata Kelola

namely (1) Corporate Governance Commitment, (2) Corporate

Perusahaan, (3) Mekanisme Tata Kelola Perusahaan, (4)

Governance Structure, (3) Corporate Governance Mechanism,

Sosialisasi dan Evaluasi, dan (5) Implementasi Tata Kelola

(4) Dissemination and Evaluation, and (5) Corporate

Perusahaan.

Governance Implementation. TAHAPAN IMPLEMENTASI TATA KELOLA PERUSAHAAN / PHASE OF CORPORATE GOVERNANCE IMPLEMENTATION

01

2. Struktur Tata Kelola Perusahaan / Corporate Governance Structure Pemenuhan struktur dan infrastruktur sehingga selaras dengan Prinsipprinsip GCG / The fulfillment of structure and infrastructure, thus in line with GCG Principles

1. Komitmen Tata Kelola Perusahaan / Corporate Governance Commitment Visi - Misi dan Strategi Bank Sinarmas / Vision -Mission and Strategy of Bank Sinarmas

330

02

03

3. Mekanisme Tata Kelola Perusahaan / Corporate Governance Mechanism Memastikan efektivitas proses implementasi GCG / Ensuring the effectiveness of process of GCG implementation

4. Sosialisasi dan Evaluasi / Dissemination and Evaluation Pendukung dalam penerapan prinsipprinsip GCG / Supporter in implementation of GCG principles

04

05 5. Implementasi Tata Kelola Perusahaan / Corporate Governance Implementation Impementasi prinsipprinsip GCG oleh seluruh jajaran Bank Sinarmas / Implementation of GCG principles by all ranks in Bank Sinarmas






Tahapan implementasi Tata Kelola Bank Sinarmas

Phase of implementation of Banks Sinarmas governance is

dilaksanakan dengan berlandaskan prinsip-prinsip GCG, yaitu:

implemented based on GCG principles, namely:

Komitmen Tata Kelola Perusahaan - Visi - Misi dan Strategi Bank Sinarmas - Anggaran Dasar Bank - Nilai-nilai Perusahaan - Pedoman Tata Kelola Terintegrasi

Mekanisme Tata Kelola Perusahaan

Sosialisasi dan Evaluasi

Implementasi Tata Kelola Perusahaan

- Menuangkan prinsipprinsip GCG dalam kebijakan, pedoman & peraturan kerja dan SOP - Efektifitas costumer care - Transparansi produk - Sistem Anti Fraud - Sistem Whistle Blowing

- Sosialisasi nilai-nilai perusahaan - Program Corporate Culture Campaign (visi & misi perusahaan, etos kerja, objektif perusahaan, tagline Bank Sinarmas “we always care”) - Pelaporan pelaksanaan GCG - Sosialisasi Compliance Culture - Deklarasi Anti Fraud - Self Assessment pelaksanaan GCG

- Implementasi prinsip GCG pada setiap aspek kegiatan operasional Bank - Rapat Umum Pemegang Saham (RUPS) - Rapat Dewan Komisaris - Rapat Direksi - Rapat Gabungan Dewan Komisaris dan Direksi. - Service Excellent - Public Expose

Struktur Tata Kelola Perusahaan - Pemenuhan jumlah dan komposisi, Dewan Komisaris, Direksi, serta Komite-komite di bawah Dewan Komisaris dan Direksi - Penguatan Risk Management, Compliance, Fungsi Kepatuhan dan Audit Internal Control - Penyempurnaan struktur organisasi Bank Sinarmas agar terlaksananya check & balance

PENILAIAN TATA KELOLA

CORPORATE GOVERNANCE ASSESSMENT

Prosedur Pelaksanaan Assessment

Procedure of Assessment Implementation

Penerapan GCG Bank Sinarmas senantiasa dipantau dan dikaji

The effectiveness of Bank Sinarmas’ GCG implementation

efektivitasnya. Sebagai bagian dari proses penerapan GCG

is continuously monitored and reviewed. As part of

yang berkelanjutan, Perseroan melaksanakan assessment

its sustainable process, the Company conducts GCG

penerapan GCG dari tahun ke tahun. Assessment tersebut

implementation assessment every year. The assessment aims

dilakukan dalam rangka memperoleh gambaran mengenai

to know the progress of the implementation of GCG best

kondisi penerapan GCG terhadap praktik terbaik di

practices at the Company and to identify areas that need

lingkungan Perseroan serta mengidentifikasi bidang-bidang

further improvement.

yang memerlukan perbaikan lebih lanjut. Sebagai bentuk upaya peningkatan dan perbaikan kualitas

As part of quality improvement programs for GCG

dalam melaksanakan GCG, Bank Sinarmas secara berkala

implementation, Bank Sinarmas periodically carries out a

melakukan self assessment secara komprehensif. Di samping

comprehensive self-assessment. In addition to monitoring

bertujuan untuk memantau dan mengevaluasi pelaksanaan

and evaluating the current implementation of GCG, this

GCG yang sudah berjalan, penilaian ini juga berfungsi sebagai

assessment also functions as and effort to sustainably develop

upaya pengembangan dan perbaikan tata kelola perusahaan

and improve corporate governance, including taking corrective

yang berkelanjutan, termasuk di dalamnya pengambilan

action, if necessary, to obtain a much better result.

tindak korektif (corrective action) apabila diperlukan guna mendapatkan hasil yang lebih sempurna. Indikator dan Kriteria Penilaian GCG

Indicators and Criteria of GCG Assessment

Indikator dan kriteria penilaian GCG didasarkan pada 11

Indicators and critera of GCG assessment are based on 11 (eleven)

(sebelas) aspek yang membangun penguatan GCG antara lain:

aspects that contribute to the development of GCG, namely:

1. Pelaksanaan Tugas dan Tanggung Jawab Dewan

1. The implementation of duties and responsibilities of Board

Komisaris; 2. Pelaksanaan Tugas dan Tanggung Jawab Direksi;

of Commissioners; 2. The implementation of duties and responsibilities of Board of Directors;


331





3. Kelengkapan dan Pelaksanaan Tugas Komite;

3. Completeness and task implementation of committees;

4. Penanganan Benturan Kepentingan;

4. Confict of interest management;

5. Penerapan Fungsi Kepatuhan Bank;

5. The implementation of the Bank’s compliance function;

6. Penerapan Fungsi Audit Internal;

6. The implementation of Internal Audit function;

7. Penerapan Fungsi Audit Eksternal;

7. The implementation of External Audit function;

8. Penerapan Fungsi Manajemen Risiko termasuk Sistem

8. The implementation of Risk Management and Internal

Pengendalian Internal;

Control System function;

9. Penyediaan Dana Kepada Pihak Terkait (Related Party) dan

9. Fund Provision to Related Party and Major Debtors (Large

Penyediaan Dana Besar (Large Exposures);

Exposures);

10. Transparansi Kondisi Keuangan dan Non-Keuangan Bank,

10. The Transparency of Financial and Non Financial

Laporan Pelaksanaan GCG dan Pelaporan Internal;

Condition of the Bank, GCG Implementation Report and Internal Report;

11. Rencana Strategis Bank.

11. The Bank’s strategic plan.

Kesimpulan Umum Hasil Self Assessment Pelaksanaan

Overall Conclusion of GCG Self-Assessment

GGC Tabel self assessment 2015

Table of self-assessment in 2015

Hasil Penilaian Sendiri Pelaksanaan GCG / Results of Self-Assessment of GCG Implementation Peringkat / Rating

Individual

2

Definisi Peringkat / Rating Definition Secara umum, mencerminkan Manajemen Bank telah melakukan penerapan GCG yang baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip-prinsip GCG. Apabila terdapat kelemahan dalam penerapan prinsip GCG, maka secara umum kelemahan tersebut kurang signifikan dan dapat diselesaikan dengan tindakan normal oleh manajemen Bank / In general, The Bank’s management has implemented corporate governance well. This is shown by its proper fulfillment of GCG principles. If there is found some weaknesses in the implementation of GCG principles, such weaknesses are generally immaterial, and the Bank’s management will improve it by taking common corrective action.

PENGHARGAAN GCG BANK SINARMAS

BANK SINARMAS GCG AWARD

Penghargaan terkait penerapan GCG Bank Sinarmas sebagai

Award concerning implementation of GCG of Bank Sinarmas

berikut:

is as follows:

Peringkat I “Good Corporate

1st rank “Good Corporate

Governance“ Buku II Aset Rp10

Governance” Buku II Assets of

triliun hingga Rp25 triliun.

Rp10 trillion to Rp25 trillion.

: Anugerah Perbankan Indonesia IV 2015

Event

: Anugerah Perbankan Indonesia IV 2015

Penyelenggara

: Economic Review

Organizer

: Economic Review

Tanggal

: 5 November 2015

Date

: November 5, 2015

Acara

332






STRUKTUR DAN MEKANISME TATA KELOLA

STRUCTURE AND MECHANISM OF CORPORATE GOVERNANCE

Struktur Tata Kelola

Corporate Governance Structure

Struktur tata kelola perusahaan memiliki peranan penting

Corporate governance structure has an important role in

dalam keberhasilan pelaksanaan GCG. Fungsi dari organ-

succeeding the implementation of GCG practice. The function

organ Bank dijalankan sesuai dengan peraturan perundang-

of the Bank’s organs is conducted according to the prevailing

undangan yang berlaku, Anggaran Dasar Bank, dan ketentuan

regulations, the Bank’s Article of Association, and other rules,

lainnya yang didasari prinsip independensi bagi setiap organ

in which every organ should perform its duties, functions, and

untuk melaksanakan tugas, fungsi, dan tanggung jawab.

responsibilities by adhering to the independency principles.

Rapat Umum Pemegang Saham General Meeting of Shareholder

Dewan Komisaris

Direksi

Board of Commissioner

Board of Director

Komite Audit / Audit Committee

Asset & Liability Management Commitee (ALCO)

Komite Pemantau Risiko / Risk Monitoring Committee

Komite Kredit / Credit Committee

Komite Remunerasi & Nominasi / Remuneration and Nomination Committee

Komite Teknologi Informasi / Information Technology Committee

Komite Tata Kelola Terintegrasi / Integrated Corporate Governance Committee

Komite Manajemen Risiko / Risk Management Committee

Komite Human Capital Management (HCM) / Human Capital Management Committee

Sekretaris Perusahaan / Corporate Secretary

Satuan Kerja Audit Intern / Internal Audit Work Unit


Satuan Kerja Kepatuhan / Compliance Work Unit

Satuan Kerja Manajemen Risiko / Risk Management Work Unit

333





Dalam membangun struktur tata kelola, Perseroan

In establishing corporate governance structure, the Company

memperhatikan pemetaan fungsi atau kegiatan usaha dengan

carefully maps the function and business activities based on

standar etika bisnis serta memastikan mekanisme check and

the applicable business ethics and ensures that check and

balance dapat bekerja secara efektif. Struktur tata kelola di

balance mechanism runs effectively. Corporate governance

lingkungan Perseroan meliputi struktur organ dan kebijakan

structure in the Company’s environment includes organ

Perseroan, yaitu RUPS, Dewan Komisaris, Direksi, serta organ-

structure and policy of the Company, namely General Meeting

organ pendukung lainnya seperti Sekretaris Perusahaan,

of Shareholders, Board of Commissioners, Board of Directors,

pengendalian internal, manajemen risiko, serta ketaatan

and other supporting organs such as Corporate Secretary,

terhadap ketentuan yang berlaku.

internal control, risk management, and compliance with the prevailing rules.

Mekanisme Tata Kelola

Governance Mechanism

Mekasnisme tata kelola atau governance mechanism

Governance mechanims is a mechanism of GCG

merupakan mekanisme implementasi GCG yang tercermin

implementation that is reflected on a robust system. The

dalam sistem yang kuat. Implementasi GCG tidak cukup

implementation of GCG cannot be relied only on the

hanya dengan berlandaskan pada pilar governance structure,

governance structure pillars. It requires a clear rule in the

melainkan dibutuhkan adanya aturan main yang jelas dalam

form of a mechanism. Governance mechanism then means

bentuk mekanisme. Governance mechanism dapat diartikan

a rule and procedure which specifies relationship between

sebagai aturan main, prosedur dan hubungan yang jelas

the decision maker and the controller of the decision

antara pihak yang mengambil keputusan dengan pihak

implementation.

yang melakukan kontrol (pengawasan) terhadap keputusan tersebut.

PENERAPAN TATA KELOLA DAN MANAJEMEN RISIKO TERINTEGRASI

IMPLEMENTATION OF GOVERNANCE AND INTEGRATED RISK MANAGEMENT

Mengacu kepada Peraturan Otoritas Jasa Keuangan No.14/

Pursuant to POJK No.14/POJK.03/2014 on Implementation of

POJK.03/2014 tentang Penerapan Manajemen Risiko

Integrated Risk Management For Financial Conglomerates and

Terintegrasi Bagi Konglomerasi Keuangan dan Peraturan

POJK No.18/POJK.03/2014 on Implementation of Integrated

Otoritas Jasa Keuangan No.18/POJK.03/2014 tentang

Governance For Financial Conglomerates, Bank Sinarmas

Penerapan Tata Kelola Terintegrasi bagi Konglomerasi

as a main entity in Financial Conglomerates of Sinar Mas

Keuangan maka Bank Sinarmas sebagai Entitas Utama

Financial Services has implemented an Integrated Governance

pada Konglomerasi Keuangan Sinar Mas Financial Services

and Implemented Risk Management. The implementation

telah melakukan penerapan untuk Tata Kelola Terintegrasi

includes the establishment of Work Unit of Integrated

dan Manajemen Risiko Terintegrasi. Adapun penerapan

Compliance and Work Unit of Integrated Risk Management,

tersebut antara lain dengan melakukan pembentukan

establishment of Integrated Governance Committee and

Satuan Kerja Kepatuhan Terintegrasi dan Satuan Kerja

Integrated Risk Management Committee that consist of

Manajemen Risiko Terintegrasi, pembentukan Komite

Commissioners and Directors from 9 (nine) Financial Services

Tata Kelola Terintegrasi dan Komite Manajemen Risiko

Institutions in Financial Conglomerates of Sinar Mas Financial

Terintegrasi yang beranggotakan Komisaris serta Direksi dari

Services, and formulation of Guideline on Implementation

9 (sembilan) Lembaga Jasa Keuangan dalam Konglomerasi

of Integrated Governance and Guideline on Implementation

Keuangan Sinarmas Financial Services, serta penyusunan

of Integrated Risk Management. For December 31, 2015,

Pedoman Penerapan Tata Kelola Terintegrasi dan Pedoman

Bank has reported the Report on Integrated Governance,

Penerapan Manajemen Risiko Terintegrasi. Untuk posisi

Report on Integrated Risk Profile, and Report on Adequacy

31 Desember 2015, Bank juga telah melaporkan Laporan

of Integrated Minimum Capital Provision. In addition, as an

Tata Kelola Terintegrasi, Laporan Profil Risiko Terintegrasi,

effort of quality improvement and sharing knowledge, Bank

serta Laporan Kecukupan Penyediaan Modal Minimum

has disseminated and conducted Interactive Discussion on

Terintegrasi. Disamping itu pula, sebagai bagian dari upaya

Integrated governance and Integrated Risk Management

peningkatan kualitas dan sharing knowledge, Bank telah

to Financial Service Institutions that are incorporated in

melakukan sosialisasi serta melaksanakan Diskusi Interaktif

financial conglomerates, with speaker from Financial Services

334






Tata Kelola Terintegrasi dan Manajemen Risiko Terintegrasi

Authority. The dissemination and interactive discussion are

kepada Lembaga Jasa Keuangan yang tergabung di dalam

planned to be organized periodically and sustainably, and are

konglomerasi keuangan, dengan nara sumber yang berasal

expected to create healthy, stable and competitive financial

dari Otoritas Jasa Keuangan. Pelaksanaan sosialisasi serta

conglomerates.

diskusi interaktif tersebut direncanakan akan dilaksanakan secara berkala & berkesinambungan sehingga diharapkan dapat menciptakan konglomerasi keuangan yang sehat, stabil serta memiliki daya saing tinggi.

RAPAT UMUM PEMEGANG SAHAM (RUPS)

GENERAL MEETING OF SHAREHOLDERS

RUPS merupakan organ tertinggi dalam Perseroan. RUPS

GMS is the highest organ in the Company. GMS has the

memiliki kewenangan yang tidak diberikan kepada Direksi

authority not given to the Board of Directors or Board of

ataupun Dewan Komisaris dalam batas yang ditentukan dalam

Commissioners within limitation that is determined in the

Undang-Undang Perseroan Terbatas dan/atau Anggaran

Law of Limited Liability Company and/or Company Articles

Dasar Perseroan. Melalui RUPS, para pemegang saham dapat

of Association. Through GMS, the shareholders are able

mengemukakan pendapat dan ikut andil dalam pengambilan

to express their opinion and take part in the making of

keputusan-keputusan penting. RUPS juga menjadi forum

strategic decisions. GMS also serves as a forum to evaluate

evaluasi kinerja Direksi dan Dewan Komisaris dengan

the performance of Board of Directors and Board of

memperhatikan seluruh aspek operasional perusahaan, baik

Commissioners by taking into account the whole aspects of

dari kinerja ekonomi, sosial, maupun lingkungan.

the Company’s operations, in terms of economy, social, and environment.

Sebagaimana diatur dalam Undang-Undang No. 40 tahun

As regulated in the Law No. 40 of 2007 concerning Limited

2007 tentang Perseroan Terbatas dan Anggaran Dasar

Liability Company and Company Articles of Association, GMS

Perseroan, RUPS dibagi menjadi 2 (dua), yaitu RUPS Tahunan

is divided into 2 (two), namely Annual GMS and Extraordinary

dan RUPS Luar Biasa.

GMS.

RUPS Tahunan (RUPST)

Annual GMS (AGMS)

RUPST wajib dilaksanakan selambat-lambatnya 6 (enam) bulan

AGMS must be held no later than six months after the end of

setelah tahun buku berakhir. Dalam rapat tersebut, Direksi

the fiscal year, in which the Board of Directors are obliged to

wajib menyampaikan hal-hal sebagai berikut:

do the following:

1. Laporan Tahunan.

1. Submit Annual Report

2. Mengemukakan pendapat mengenai penggunaan laba

2. Deliver opinion on the appropriation of the Company’s

Perseroan, apabila Perseroan memiliki laba positif.

profit, if any.

3. Mengemukakan pendapat mengenai penetapan akuntan

3. Deliver opinion on the appointment of public accountant

publik untuk mengaudit tahun buku Perseroan yang

to audit the current fiscal year based on proposal from

sedang berjalan berdasarkan usulan dari Dewan Komisaris

the Board of Commissioners or authorize the Board of

atau memberikan kuasa kepada Dewan Komisaris untuk

Commissioners to appoint the public accountant.

menetapkan akuntan publik. 4. Hal-hal lain yang memerlukan persetujuan RUPS untuk

4. Other matters which need approval from the GMS for

kepentingan Perseroan dengan tetap memperhatikan

the Company’s interest while taking into account the

ketentuan dalam Anggaran Dasar.

provisions of the Articles of Association.

RUPS Luar Biasa (RUPSLB)

Extraordinary GMS (EGMS)

Ketetapan untuk mengadakan RUPSLB tidak terikat. RUPS Luar

There is no strict rule to convene an EGMS. Extraordinary

Biasa dapat diadakan setiap waktu sesuai dengan kebutuhan

GMS can be held at any time if necessary for the Company’s

Perseroan. Berdasarkan Akta No. 82 tanggal 24 Maret

interest. Based on Deed No. 82 dated March 24, 2012, the

2012, Direksi dapat menyelenggarakan RUPST dan RUPSLB

Board of Directors is entitled to hold AGMS and EGMS by

dengan terlebih dahulu menyampaikan Pengumuman dan

making prior notice and call of the meeting at any printed

Pemanggilan Rapat melalui media cetak.

media.


335





Tata Cara Penyelenggaraan RUPS

Procedures to Convene GMS

Tata cara penyelenggaraan RUPS adalah sebagai berikut:

The procedures to convene GMS are described as follows:

1. Perseroan terlebih dahulu menyampaikan pemberitahuan

1. The Company shall give prior notice concerning the

mata acara RUPST secara jelas dan rinci kepada Otoritas

agenda of 2015 AGM clearly and in detail to the Financial

Jasa Keuangan (dahulu Badan Pengawas Pasar Modal

Services Authority (formerly Capital Market Supervisory

dan Lembaga Keuangan), paling lambat 5 (lima) hari kerja

Board and Financial Institution) no later than 5 (five)

sebelum pengumuman melalui iklan dilakukan. Hal ini

business days before it is published as an advertisement.

dilakukan sebagaimana yang telah diatur dalam Peraturan

This procedure is conducted to comply with the Financial

Otoritas Jasa Keuangan Nomor 32 /POJK.04/2014 tentang

Services Authority Regulation No. 32/POJK.04/2014

Rencana dan Penyelenggaraan Rapat Umum Pemegang

concerning the Plan and Convening of General Meeting of

Saham Perusahaan Terbuka.

Shareholders.

2. Pengumuman RUPS dilakukan melalui surat tercatat, iklan

2. The announcement of GMS is done through a written

surat kabar, situs website Bursa dan website Perseroan

letter, websites of Stock Exchange and the Company no

paling lambat 14 (empat belas) hari sebelum pemanggilan

later than 14 (fourteen) days prior to the date of the GMS

RUPS, dengan tidak memperhitungkan tanggal

invitation, by excluding the date of the announcement

pengumuman dan tanggal pemanggilan. Kemudian

and the date of GMS implementation. The call for GMS

pemanggilan RUPS dilaksanakan paling lambat 21 (dua

is conducted no later than 21 (twenty one) days prior to

puluh satu) hari sebelum pelaksanaan RUPS, dengan tidak

the implementation of GMS by excluding the dates of the

memperhitungkan tanggal pemanggilan dan tanggal

notice and GMS.

RUPS. 3. Selanjutnya setelah pelaksanaan RUPS, Perseroan wajib

3. Subsequently after the implementation of the GMS, the

Mengumumkan ringkasan risalah RUPS kepada Otoritas

Company must report the GMS minutes of meeting to the

Jasa Keuangan dan Bursa Efek Indonesia paling lambat

Financial Services Authority and Indonesia Stock Exchange

2 (dua) hari kerja setelah Rapat diselenggarakan serta

no later than two (2) business days after the meeting

mengumumkannya kepada publik sekurang-kurangnya

is convened, and announced it to the public in at least

dalam 2 (dua) surat kabar berbahasa Indonesia, situs

2 (two) Indonesian newspapers, websites of the Stock

website Bursa dan website Perseroan. 4. Setiap saham yang dikeluarkan memiliki 1 (satu) hak suara, kecuali jika Anggaran Dasar menentukan lain.

Exchange and the Company. 4. Each share issued is eligible to 1 (one) voting rights, unless the Articles of Association determine otherwise.

Penyelenggaran RUPSLB dan RUPST Bank Sinarmas pada 2015

The convening of 2015 EGMS and AGMS of Bank Sinarmas

dilakukan melalui proses dan tahapan sebagai berikut:

was conducted through the following process and stages:

1. Pemberitahuan kepada Otoritas Jasa Keuangan dan Bursa

1. Notification to the Financial Services Authority and

Efek Indonesia mengenai mata acara RUPSLB dan RUPST Bank Sinarmas 2015. 2. Pengumuman melalui surat tercatat, iklan surat kabar, situs website Bursa dan website Perseroan. 3. Pemanggilan melalui surat tercatat, iklan surat kabar, situs website Bursa dan website Perseroan. 4. Pengumuman ringkasan risalah RUPS kepada Otoritas Jasa

Indonesia Stock Exchange regarding the 2015 agenda of EGMS and AGMS of Bank Sinarmas. 2. Announcement through a written letter, ads in newspaper, websites of the Stock Exchange and the Company. 3. Call of meeting through a written letter, ads in newspaper, websites of the Stock Exchange and the Company. 4. Announcement of GMS minutes of meeting summary to

Keuangan, Bursa Efek Indonesia dan publik melalui surat

the Financial Services Authority, Indonesia Stock Exchange

tercatat, iklan surat kabar, situs website Bursa dan website

and the public through a written letter, ads in newspaper,

Perseroan.

websites of the Stock Exchange and the Company.

336




Tabel tahapan penyelenggaraan RUPS



Table of phase of GMS implementation

RUPS / GMS

Pemberitahuan / Notification

Pengumuman / Announcement

Pemanggilan / Call

Pelaksanaan / Implementation

Hasil dan Keputusan RUPS / GMS Results and Decision

Luar Biasa / Extraordinary

5 Februari 2015 / February 5, 2015


2 Maret 2015 / March 2, 2015

24 Maret 2015 / March 24, 2015

26 Maret 2015 / March 26, 2015

Tahunan / Annual

27 April 2015 / April 26, 2015

6 Mei 2015 / May 6, 2015

21 Mei 2015 / May 21, 2015

12 Juni 2015 / June 12, 2015

16 Juni 2015 / June 16, 2015

Pemberitahuan mata acara RUPS kepada Regulator / GMS Agenda notification to Regulator

Pemberitahuan kepada pemegang saham melalui media surat kabar, situs bursa dan website Perseroan / Notification to shareholders via newspapers and the Company’s website

Pemanggilan pemegang saham dengan surat tercatat dan surat kabar, situs bursa dan website Perseroan / Calling of Shareholders via registered letters and newspapers and the Company’s website

Pelaksanaan RUPS / GMS Implementation

Pengumuman hasil RUPS / GMS Resolutions Announcement

Pelaksanaan RUPS secara umum mengacu pada ketentuan

Implementation of GMS is generally refers to provisions in the

dalam Anggaran Dasar yaitu:

Articles of Association, namely:

RUPS dipimpin oleh anggota Dewan Komisaris yang di tunjuk

GMS is chaired by a member of the Board of Commissioners

oleh Dewan Komisaris dengan terlebih dahulu membacakan

appointed by the Board of Commissioners by firstly reading

tata tertib RUPS pada saat RUPS berlangsung yang menjadi

the meeting disciplinary when the GMS takes place which is

bagian dalam Berita Acara RUPS. Pimpinan RUPS memberikan

a part of GMS Minutes of Meeting. The chairman of GMS

kesempatan kepada pemegang saham atau kuasanya untuk

provides opportunity for shareholders or their proxies to ask

mengajukan pertanyaan pada setiap mata acara rapat melalui

questions in every meeting agenda through GMS ballot form,

Surat Suara RUPS. Kemudian, Pimpinan Rapat menanggapi

afterward the Chairman of the Meeting responds to the

pertanyaan pemegang saham yang hadir.

questions.

Setelah semua pertanyaan ditanggapi, selanjutnya

After all questions are responded, voting is conducted orally,

pemungutan suara dilakukan secara lisan dan hanya

and only shareholders or legitimate proxies are entitled

pemegang saham atau kuasanya yang sah yang berhak untuk

to vote. One share gives only one voting right for the

mengeluarkan suara. Setiap satu saham memberikan hak

shareholder.

kepada pemegangnya untuk mengeluarkan satu suara. Bank Sinarmas telah menunjuk Notaris Aryanti Artisari dalam

Bank Sinarmas has appointed Notary Aryanti Artisari to count

melakukan penghitungan dan/atau memvalidasi suara.

and/or to validate the votes.

Pelaksanaan dan Keputusan RUPS 2015

2015 GMS Implementation and Decision

Pada 2015, Perseroan telah mengadakan RUPS sebanyak 2

In 2015, the Company has convened 2 (two) GMS, namely

(dua) kali yaitu RUPS Luar Biasa dan RUPS tahunan untuk

Extraordinary GMS and Annual GMS for the fiscal year of

tahun buku 2014 yang masing-masing dilakukan pada hari

2014 which was held on Tuesday, March 24, 2015, located


337





Selasa, 24 Maret 2015 dan Jumat, 12 Juni 2015 bertempat

at Paseo Room, Sinar Mas Land Plaza Towre II, 39th Floor,

di Ruang Paseo, Sinar Mas Land Plaza Tower II Lantai 39

on Jalan MH. Thamrin No. 51, Central Jakarta. The following

Jalan MH. Thamrin No. 51 Jakarta Pusat. Informasi kehadiran

is the attendance record of the Board of Commissioners and

Dewan Komisaris dan Direksi, undangan, serta pemegang

Board of Directors, guests, and shareholders:

saham sebagai berikut: Dewan Komisaris

Board of Commissioners

Tjendrawati Widjaja

Komisaris Utama

Tjendrawati Widjaja

President Commissioner

Sammy Kristamuljana

Komisaris Independen

Sammy Kristamuljana

Independent Commissioner

Rusmin


Rusmin Independent Commissioner

Direksi

Board of Directors

Freenyan Liwang

Direktur Utama

Freenyan Liwang

President Director

Heru Agus Wuryanto

Direktur

Heru Agus Wuryanto

Director

Loa Johnny Mailoa

Direktur

Loa Johnny Mailoa

Director

Halim Direktur

Halim Director

Salis Teguh Hartono

Direktur Independen

Salis Teguh Hartono

Independent Director

Hanafi Himawan

Direktur Independen

Hanafi Himawan

Independent Director

Undangan

Guests

Soejanto Soetjijo dan Frenky Tirtowijoyo Susilo*

Soejanto Soetjijo and Frenky Tirtowijoyo Susilo*

*) Telah menjabat sebagai Direktur Bank Sinarmas pada RUPST

*) Served as Director of Bank Sinarmas at AGMS.

Pemegang Saham

Shareholders

13.402.734.770 saham (95,38%) dari total 14.052.267.049

13,402,734,770 shares (95.38%) of the total 14,052,267,049

saham.

shares.

Jumlah saham dengan hak suara yang hadir atau diwakili telah

The number of shareholders holding shares with voting rights

memenuhi kuorum dalam RUPS.

that are present or represented at the meeting has met the quorum at the GMS.

Mata acara RUPSLB dan RUPST Bank Sinarmas 2015 adalah

2015 EGMS and AGMS Agenda of Bank Sinarmas are as

sebagai berikut:

follows: Mata acara RUPSLB dan RUPST / EGMS and AGMS Agenda

No.

Luar Biasa / Extraordinary

No.

Tahunan / Annual

1.

Laporan tahunan Direksi untuk tahun buku 2014 / 2014 Board of Directors Annual Report

1.

Perubahan Anggaran Dasar Perseroan / Changes in Articles of Association

2.

Pengesahan perhitungan tahunan (neraca dan perhitungan laba/rugi) / Annual calculation ratification (balance sheet and income calculation)

2

Perubahan Susunan Direksi Perseroan / Changes in Articles of Association

3.

Penegasan penggunaan laba perseroan untuk tahun buku 2014 / Restatement of 2014 net profit appropriation of the Company

3

Laporan Perubahan Realisasi Penggunaan Dana Penawaran Umum Terbatas I (PUT I) / Report of Changes in the Use of Proceeds from Limited Public Offering I (PUT I)

4.

Penunjukan Kantor Akuntan Publik untuk melakukan pemeriksaan pembukuan 2015 / Appointment of Public Accounting Firm to audit 2015 financial statements

5.

Penetapan gaji para anggota Direksi dan honorarium Dewan Komisaris Perseroan / Determination of salary for members of the Board of Directors and honorarium of the Board of Commissioners of the Company

338




Hasil RUPS Luar Biasa 2015 dan Realisasi: Mata acara / Agenda



Results of 2015 Extraordinary GMS and Its Realization Keputusan / Decision

Realisasi / Realization

1. Menyetujui pengangkatan Saudara Soejanto Soetjijo dan Saudara Frenky Tirtowijoyo Susilo masing-masing sebagai Direktur Perseroan terhitung efektif sejak ditutupnya rapat ini sampai dengan berakhirnya masa jabatan Direksi Perseroan yang saat ini menjabat yaitu tanggal 15 Juni 2017. Dengan demikian sejak ditutupnya rapat, susunan anggota Direksi, Dewan Komisaris, dan Dewan Pengawas Syariah Perseroan adalah sebagai berikut: DIREKSI: Direktur Utama Direktur Direktur Direktur Direktur Direktur Direktur Independen Direktur Independen

Pertama / First

: Freenyan Liwang : Heru Agus Wuryanto : Loa Johnny Mailoa : Halim : Soejanto Soetjijo : Frenky Tirtowijoyo Susilo : Salis Teguh Hartono : Hanafi Himawan

Terealisasi / Realized

DEWAN KOMISARIS: Komisaris Utama : Tjendrawati Widjaja Komisaris Independen : Sammy Kristamuljana Komisaris Independen : Rusmin DEWAN PENGAWAS SYARIAH: Ketua : Ali Mustafa Yaqub Anggota : Ahmadi Bin Sukarno 2. Menunjuk dan memberi kuasa kepada Direksi dan/atau Corporate Secretary Perseroan untuk melaksanakan keputusan tersebut di atas termasuk tetapi tidak terbatas untuk menandatangani akta pernyataan keputusan rapat di hadapan Notaris dan memberitahukan perubahan tersebut kepada pihak yang berwenang. 1. Approved the appointment of Mr. Soejanto Soetjijo and Mr. Frenky Tirtowijoyo Susilo as Directors, effective since the closing of this meeting until the end of tenure of the Company’s Board of Directors that is currently serving, namely on June 15, 2017.

Therefore, since the closing of this Meeting, compositions of the Board of Directors, Board of Commissioners and Sharia Supervisory Unit are as follows:

BOARD OF DIRECTORS President Director : Freenyan Liwang Director : Heru Agus Wuryanto Director : Loa Johnny Mailoa Director : Halim Director : Soejanto Soetjijo Director : Frenky Tirtowijoyo Independent Director : Salis Teguh Hartono Independent Director : Hanafi Himawan

BOARD OF COMMISSIONERS President Commissioner Independent Commissioner Independent Commissioner

: Tjendrawati Widjaja : Sammy Kristamuljana : Rusmin

SHARIA SUPERVISORY BOARD Chairman Member

: Ali Mustafa Yaqub : Ahmadi Bin Sukarno

2. Appointed and authorized the Board of Directors and/or Corporate Secretary of the Company to implement the decision but not limited to signing the deed of meeting decision before a Notary and notify the change to the authorities. Annual Report 2015 | PT. BANK SINARMAS Tbk.

339



Mata acara / Agenda




Keputusan / Decision Keputusan Hasil Pemungutan Suara / Voting Decision

Hasil Perhitungan Kartu Suara / Voting Result

Tidak Setuju / Abstain (a)

Nihil

Abstain / Abstain (b)

Setuju / Agree (c)

Nihil

13.402.734.770

Total suara setuju : 13.402.734.770 saham atau 100% / Total agree votes: 13,402,734,770 shares or 100%

Tidak Menentukan Pilihan (No Vote) (d)

Nihil

Mata acara / Agenda

Keputusan / Decision


Kedua / Second

1. Menyetujui perubahan Anggaran Dasar Perseroan sehubungan dengan diberlakukannya Peraturan Otoritas Jasa Keuangan dan menyusun kembali seluruh Anggaran Dasar Perseroan sehingga dengan demikian detil susunan kalimat masingmasing pasal perubahannya sebagaimana tertuang dalam materi rapat yang telah dibagikan kepada pemegang saham sebelum rapat ini / Approved the change in the Company’s Articles of Association in line with the implementation of Financial Services Authority Regulation and redrafted the entire Articles of Association, thus the detail of sentence composition of each articles as stated in meeting materials that have been distributed to shareholders prior to the meeting is clear. 2. Menunjuk dan memberi kuasa kepada Direksi dan/atau Corporate Secretary Perseroan untuk melaksanakan keputusan tersebut di atas termasuk tetapi tidak terbatas untuk menandatangani akta pernyataan keputusan rapat di hadapan Notaris dan memberitahukan perubahan tersebut kepada pihak yang berwenang / Appointed and authorized the Board of Directors and/or Corporate Secretary of the Company to implement the aforementioned decisions, including but not limited to signing the deed of meeting decision before a Notary and notify the change to the authorities.


Keputusan Hasil Pemungutan Suara / Voting Decision Hasil Perhitungan Kartu Suara / Voting Result


Nihil


Setuju / Agree (c)

Nihil

13.402.734.770



Nihil

Mata acara / Agenda



Ketiga / Third

Pada bulan Juni 2012, PT. Bank Sinarmas Tbk., melakukan Penawaran Umum Terbatas I (PUT I) kepada para pemegang saham dengan Hak Memesan Efek Terlebih dahulu (HMETD). Dana yang diperoleh dari PUT I adalah sebesar Rp300.796.534.500. (tiga ratus miliar tujuh ratus sembilan puluh enam juta lima ratus tiga puluh empat ribu lima ratus Rupiah). Keseluruhan dana tersebut digunakan untuk pembelanjaan teknologi informasi sebesar 60% dan pengembangan jaringan kantor sebesar 40% dengan uraian sebagai berikut / In June 2012, PT. Bank Sinarmas Tbk. conducted Limited Public Offering I (PUT I) to shareholders with Preemptive Rights. Funds from the PUT I amounted to Rp300,796,534,500 (three hundred billion seven hundred and ninety six million five hundred and thirty four thousand five hundred Rupiahs). The overall funds was used for information technology procurement amounted to 60% and office network development amounted to 40% with the following details:


340



Mata acara / Agenda






- Total penggunaan dana periode Oktober hingga Desember 2012 adalah sebesar Rp36.351.786.504,7 (tiga puluh enam miliar tiga ratus lima puluh satu juta tujuh ratus delapan puluh enam ribu lima ratus empat koma tujuh Rupiah), dengan Rp24.086.621.170,2 (dua puluh empat miliar delapan puluh enam juta enam ratus dua puluh satu ribu seratus tujuh puluh koma dua Rupiah) untuk pembelanjaan teknologi informasi dan Rp12.265.165.334,5 (dua belas miliar dua ratus enam puluh lima juta seratus enam puluh lima ribu tiga ratus tiga puluh empat koma lima Rupiah) untuk pengembangan jaringan kantor / Total use of funds for the period of October to December 2012 amounted to Rp36,351,786,504.7 (thirty six billion three hundred and fifty one million seven hundred and eighty six thousand five hundred four point seven Rupiahs), with Rp24,086,621,170.2 (twenty four billion eighty six million six hundred and twenty one thousand one hundred and seventy point two Rupiahs) for information and technology procurement and Rp12,265,165,334.5 (twelve billion two hundred and sixty five million one hundred and sixty five thousand three hundred and thirty four point five Rupiahs) for office network development. - Total penggunaan dana periode Januari hingga Maret 2013 adalah sebesar Rp24.257.379.241,28 (dua puluh empat miliar dua ratus lima puluh tujuh juta tiga ratus tujuh puluh sembilan ribu dua ratus empat puluh satu koma dua delapan Rupiah) dengan 9.158.062.469,65 (sembilan miliar seratus lima puluh delapan juta enam puluh dua ribu empat ratus enam puluh sembilan koma enam lima Rupiah) untuk pembelanjaan teknologi informasi dan Rp 15.099.316.771,63 (lima belas miliar sembilan puluh sembilan juta tiga ratus enam belas ribu tujuh ratus tujuh puluh satu koma enam tiga Rupiah) / Total use of funds for the period of January to March 2013 amounted to Rp24,257,379,241.28 (twenty four billion two hundred and fifty seven million three hundred and seventy nine thousand two hundred and forty one point twenty eight Rupiahs) with Rp9,158,062,469.65 (nine billion one hundred and fifty eight million sixty two thousand four hundred and sixty nine point sixty five Rupiahs) for information technology procurement and Rp15,099,316,771.63 (fifteen billion ninety nine million three hundred and sixteen thousand seven hundred and seventy one point sixty three Rupiahs). - Total penggunaan dana periode April hingga Juni 2013 adalah sebesar Rp33.218.107.267,32 (tiga puluh tiga miliar dua ratus delapan belas juta seratus tujuh ribu dua ratus enam puluh tujuh koma tiga dua Rupiah), dengan Rp8.903.666.711,17 (delapan miliar sembilan ratus tiga juta enam ratus enam puluh enam ribu tujuh ratus sebelas koma satu tujuh Rupiah) untuk pembelanjaan teknologi informasi dan Rp24.314.440.556,15 (dua puluh empat miliar tiga ratus empat belas juta empat ratus empat puluh ribu lima ratus lima puluh enam koma satu lima Rupiah) untuk pengembangan jaringan kantor / Total use of funds for the period of April to June 2013 amounted to Rp33,218,107,267.32 (thirty three billion two hundred and eighteen million one hundred seven thousand two hundred and sixty seven point thirty two Rupiahs) and Rp8,903,666,711.17 (eight billion nine hundred three million six hundred and sixty six thousand seven hundred and eleven point seventeen Rupiahs) for information technology procurement and Rp24,314,440,556.15 (twenty four billion three hundred and fourteen million four hundred and forty thousand five hundred and fifty six point fifteen Rupiahs) for office network development.


341


Mata acara / Agenda





Keputusan / Decision - Total penggunaan dana periode Juli hingga September 2013 adalah sebesar Rp90.697.650.439,17 (sembilan puluh miliar enam ratus sembilan puluh tujuh juta enam ratus lima puluh ribu empat ratus tiga puluh sembilan koma satu tujuh Rupiah), dengan Rp57.855.842.162,67 (lima puluh tujuh miliar delapan ratus lima puluh lima juta delapan ratus empat puluh dua ribu seratus enam puluh dua koma enam tujuh Rupiah) untuk pembelanjaan teknologi informasi dan Rp32.841.808.276,5 (tiga puluh dua miliar delapan ratus empat puluh satu juta delapan ratus delapan ribu dua ratus tujuh puluh enam koma lima Rupiah) untuk pengembangan jaringan kantor / Total use of funds for the period of July to September 2013 amounted to Rp90,697,650,439.17 (ninety billion six hundred and ninety seven million six hundred and fifty thousand four hundred and thirty nine point seventeen Rupiahs), with Rp57,855,842,162.67 (fifty seven billion eight hundred and fifty five million eight hundred and forty two one hundred and sixty two point sixty seven) for information and technology procurement and Rp32,841,808,276.5 (thirty two billion eight hundred and forty one million eight hundred eight thousand two hundred and seventy six point five Rupiahs) for office network development. - Total penggunaan dana periode Oktober hingga Desember 2013 adalah sebesar Rp41.563.555.567 (empat puluh satu miliar lima ratus enam puluh tiga juta lima ratus lima puluh lima ribu lima ratus enam puluh tujuh Rupiah), dengan Rp27.362.274.290 (dua puluh tujuh miliar tiga ratus enam puluh dua juta dua ratus tujuh puluh empat ribu dua ratus sembilan puluh Rupiah) untuk pembelanjaan teknologi informasi dan Rp14.201.281.277 (empat belas miliar dua ratus satu juta dua ratus delapan puluh satu ribu dua ratus tujuh puluh tujuh Rupiah) untuk pengembangan jaringan kantor / Total use of funds for the period of October to December 2013 amounted to Rp41,563,555,567 (forty one billion five hundred and sixty three million five hundred and fifty five thousand five hundred and sixty seven Rupiahs), with Rp27,362,274,290 (twenty seven billion three hundred and sixty two million two hundred and seventy four thousand two hundred and ninety Rupiahs) for information technology procurement and Rp14,201,281,277 (fourteen billion two hundred one million two hundred and eighty one thousand two hundred and seventy seven Rupiahs) for office network development.. - Total penggunaan dana periode Januari hingga Maret 2014 adalah sebesar Rp36.524.702.479 (tiga puluh enam miliar lima ratus dua puluh empat juta tujuh ratus dua ribu empat ratus tujuh puluh sembilan Rupiah), dengan Rp24.146.230.452 (dua puluh empat miliar seratus empat puluh enam juta dua ratus tiga puluh ribu empat ratus lima puluh dua) untuk pembelanjaan teknologi informasi dan Rp12.378.472.027 (dua belas miliar tiga ratus tujuh puluh delapan juta empat ratus tujuh puluh dua ribu dua puluh tujuh Rupiah) untuk pengembangan jaringan kantor / Total use of funds for the period of January to March 2014 amounted to Rp36,524,702,479 (thirty six billion five hundred and twenty four million seven hundred two thousand four hundred and seventy nine Rupiahs), with Rp24,146,230,452 (twenty four billion one hundred and forty six million two hundred and thirty thousand four hundred and fifty two Rupiahs) for information and technology procurement and Rp12,378,472,027 (twelve billion three hundred and seventy eight million four hundred and seventy two thousand twenty seven Rupiahs) for office network development. - Total penggunaan dana periode April hingga Juni 2014 adalah sebesar Rp34.408.155.086,34 (tiga puluh empat miliar empat ratus delapan juta seratus lima puluh lima ribu delapan puluh enam koma tiga empat), dengan Rp26.288.551.814,64 (dua puluh enam miliar dua ratus delapan puluh delapan juta lima ratus lima puluh satu ribu delapan ratus empat belas koma enam empat Rupiah) untuk pembelanjaan teknologi informasi dan Rp8.119.603.271,7 (delapan miliar seratus sembilan belas juta enam ratus tiga ribu dua ratus tujuh puluh satu koma tujuh Rupiah) untuk pengembangan jaringan kantor / Total use of funds for the period of April to June 2014 amounted to Rp34,408,155,086.34 (thirty four billion four hundred eight million one hundred and fifty five thousand eighty six point thirty four Rupiahs), with Rp26,288,551,814.64 (twenty six billion two hundred and eighty eight million five hundred and fifty one thousand eight hundred and fourteen point sixty four) for information technology procurement and Rp8,119,603,271.7 (eight billion one hundred and nineteen million six hundred three thousand two hundred and seventy one point seven Rupiahs) for office network development..

342




Mata acara / Agenda




Keputusan / Decision Sehingga Penggunaan Dana Hasil Penawaran Umum Terbatas I keseluruhannya digunakan untuk Pembelanjaan Teknologi Informasi sebesar Rp177.801.249.070,33 (seratus tujuh puluh tujuh miliar delapan ratus satu juta dua ratus empat puluh sembilan ribu tujuh puluh koma tiga tiga Rupiah) dan untuk Pengembangan Jaringan Kantor sebesar Rp119.220.087.514,48 (seratus sembilan belas miliar dua ratus dua puluh juta delapan puluh tujuh ribu lima ratus empat belas koma empat delapan Rupiah) / Therefore, the Use of Proceeds from Limited Public Offering I amounted to Rp177,801,249,070.33 (one hundred and seventy seven billion eight hundred one million two hundred and forty nine thousand seventy point thirty three Rupiahs) was used for Information Technology Procurement and Rp119,220,087,514.48 (one hundred and nineteen billion two hundred and twenty million eighty seven thousand five hundred and fourteen point forty eight Rupiahs) used for Office Network Development. Keputusan Hasil Pemungutan Suara / Voting Decision




Setuju / Agree (c)


Bersifat pelaporan dan tidak diadakan proses pengambilan keputusan / This matter is report in nature and there was no decision-making process Results of Annual GMS Decision and Its Realization

Hasil RUPS Tahunan dan realisasi: Mata acara / Agenda



Pertama / First

Menerima dan menyetujui Laporan Tahunan Direksi untuk tahun buku yang berakhir 31 Desember 2014 / Accepting and approving Board of Directors Annual Report for the fiscal year ended on December 31, 2014.





Setuju / Agree (c)

99.937 saham atau 0,0008% / 99,937 shares or 0.0008%

Nihil

13.181.076.112 saham atau 99,9992% / 13,181,076,112 shares or 99,9992%



Nihil

Total suara setuju : 13.181.076.112 saham atau 99,9992% / Total agree votes: 13,181,076,112 shares or 99,9992%

343





Mata acara / Agenda



Kedua / Second

Mengesahkan Perhitungan Tahunan (Neraca dan Perhitungan Rugi/Laba) untuk tahun buku yang berakhir pada 31 Desember 2014 serta memberikan pembebasan tanggung jawab kepada para anggota Direksi dan Dewan Komisaris atas pengurusan dan pengawasan (acquit et de charge) yang telah dijalankan untuk tahun buku yang berakhir pada 31 Desember 2014 / Ratifying the Annual Calculation (Balance Sheet and Income Calculation) for the fiscal year ended on December 31, 2014 and granting full release and discharge to the members of the Board of Directors and Board of Commissioners for the management and supervision (acquit et de charge) that have been implemented during the fiscal year ended on December 31, 2014.



Mata acara / Agenda



Setuju / Agree (c)


Nihil



Nihil

Total suara setuju : 13.181.076.112 saham atau 99,9992% / Total agree votes: 13,181,076,112 shares or 99,9992% Realisasi / Realization

Keputusan / Decision Menyetujui penggunaan laba Perseroan untuk tahun buku yang berakhir pada 31 Desember 2014 sebesar Rp154,932 miliar (seratus lima puluh empat koma sembilan tiga dua miliar) / Approving the use of profit of the Company for fiscal year ended on December 31,2014 amounted to Rp154.932 billion (one hundred and fifty four point nine hundred and thirty two billion Rupiahs).

Ketiga / Third

Bahwa dari laba tersebut akan digunakan sebagai berikut / That the profit was used as follows: a. Sebesar Rp500.000.000 (lima ratus juta Rupiah) untuk dana cadangan sesuai dengan ketentuan pasal 70 ayat 1 Undang-Undang Nomor 40 tahun 2007 dan pasal 23 Anggaran Dasar Perseroan / Amounted to Rp500,000,000 (five hundred million Rupiahs) used for reserve funds in accordance with article 70 paragraph 1 Law No.40 year 2007 and article 23 articles of association of the Company. b. Sisa laba bersih Perseroan sejumlah Rp154,432 miliar (seratus lima puluh empat koma empat tiga dua miliar) akan dipergunakan untuk membiayai operasional Perseroan dan memperkuat Permodalan Perseroan dan dicatat sebagai Laba Yang Ditahan, sesuai dengan pasal 23 ayat 3 akan dikelola oleh Direksi dengan cara yang tepat menurut pertimbangan Direksi, setelah memperoleh persetujuan Dewan Komisaris / The remaining net profit amounted to Rp154.432 billion (one hundred and fifty four point four hundred and thirty two billion Rupiahs) will be used to finance the Company’s operations and strengthen the capital, and recorded as Retained Earnings, in accordance with article 23 paragraph 3, it will be properly managed by the Board of Directors according to its consideration after obtaining approval from the Board of Commissioners.


Memberikan wewenang kepada Direksi Perseroan untuk mengatur, melaksanakan, dan menjalankan tindakan-tindakan yang diperlukan sehubungan dengan penggunaan laba bersih Perseroan tersebut diatas sesuai dengan ketentuan hukum dan peraturan yang berlaku / Authorizing the Board of Directors to manage, implement, and conducting required activities related to the use of the aforementioned net profit of the Company in accordance with legal provisions and the prevailing regulations.

344









Setuju / Agree (c)


Nihil


Mata acara / Agenda

Keempat / Fourth


Keputusan / Decision 1. Menyetujui penunjukan Kantor Akuntan Mulyamin Sensi Suryanto dan Lianny untuk melakukan pemeriksaan (audit) Laporan Keuangan Perseroan untuk tahun buku yang akan berakhir pada tanggal 31 Desember 2015. 2. Memberikan kuasa kepada Direksi perseroan untuk menetapkan honorarium bagi Kantor Akuntan Publik tersebut, serta persyaratan-persyaratan lain sehubungan dengan penunjukan Kantor Akuntan Publik tersebut.


Nihil





Setuju / Agree (c)

Nihil

13.181.176.049 saham atau 100%

Nihil



Nihil

Total suara setuju : 13.181.176.049 saham atau 100% Mata acara / Agenda



Kelima / Fifth

Menyetujui pelimpahan wewenang sepenuhnya kepada Dewan Komisaris, dengan memperhatikan usul yang diajukan oleh Komite Remunerasi dan Nominasi Perseroan, untuk menetapkan gaji para anggota Direksi dan honorarium Dewan Komisaris Perseroan.





Setuju / Agree (c)


Nihil



Nihil


Tabel Tingkat Kehadiran Pemegang Saham (%)

Table of Attendance Rate of Shareholders (%)

Tingkat kehadiran pemegang saham dalam RUPST Bank

Attendance rate of shareholders in AGM of Bank Sinarmas

Sinarmas selama 5 (lima) tahun terakhir berkisar pada

for the last 5 (five) years is around 90%. This shows that

angka lebih dari 90%. Hal tersebut menunjukkan perhatian

the shareholders are interested to the Company’s business

pemegang saham tertuju pada perkembangan bisnis

development. Announcement and call for GMS of Bank

Perseroan. Pengumuman dan panggilan RUPS Bank Sinarmas

Sinarmas are realized effectively.

teralisasi dengan efektif.


345


Tahun / Year


2011

Kehadiran / Attendance (%)

2012

98,11%



2013

93,44%

2014

95,98%

94,63%

2015 93,61%

100

98,11%

93,44%

95,98%

40

2013

2013

2013

20

94,63%

60

2014

93,61%

80

2015

Pelaksanaan dan Keputusan RUPS Tahun Sebelumnya

Implementaiton and Decision of the Previous Year’s GMS

Hasil Keputusan RUPS Tahunan 2014 dan Realisasi

Results of 2014 Annual GMS Decision and Its Realization

Mata acara Pertama / First


Keputusan / Decision Menerima dan menyetujui Laporan Tahunan Direksi untuk tahun buku yang berakhir 31 Desember 2013 / Accepted and approved the Board of Directors Annual Report for the year ended on December 31, 2013. Keputusan Hasil Pemungutan Suara / Voting Decision




Setuju / Agree (c)

Nihil

11.902.656.491 saham atau 100% / / 11,902,656,491 shares or 100%

Nihil

Terealisasi / Realized Tidak Menentukan Pilihan (No Vote) (d)

Nihil

Total suara setuju : 11.902.656.491 saham atau 100%/ Total agree votes: 11,902,656,491 shares or 100%

Mata acara



Kedua / Second

Mengesahkan Perhitungan Tahunan (Neraca dan Perhitungan Rugi/Laba) untuk tahun buku yang berakhir pada 31 Desember 2013 serta memberikan pembebasan tanggung jawab kepada para anggota Direksi dan Dewan Komisaris atas pengurusan dan pengawasan (acquit et de charge) yang telah dijalankan untuk tahun buku yang berakhir pada 31 Desember 2013 / Ratified the Annual Calculation (Blance Sheet and Income Calculation) for the fiscal year ended on December 31, 2013, and granted full release and discharge to the members of the Board of Directors and Board of Commissioners from the management and supervision (acquit et de charge) that have been implemented for the fiscal year ended on December 31, 2013.




Nihil


Setuju / Agree (c)

Nihil

11.902.656.491 saham atau 100% / / 11,902,656,491 shares or 100%


Nihil

Total suara setuju : 11.902.656.491 saham atau 100%/ Total agree votes: 11,902,656,491 shares or 100%

346




Mata acara

Ketiga / Third





Menyetujui penggunaan laba Perseroan untuk tahun buku yang berakhir pada 31 Desember 2013 sebesar Rp221.099.313.298 (dua ratus dua puluh satu miliar sembilan puluh sembilan juta tiga ratus tiga belas ribu dua ratus sembilan puluh delapan Rupiah) sebagai berikut: a. Sebesar Rp500.000.000 (lima ratus juta Rupiah) untuk dana cadangan sesuai dengan ketentuan pasal 70 ayat 1 Undang-undang Nomor 40 Tahun 2007 dan pasal 23 a. Penyisihan anggaran dasar Perseroan. Dana b. Sisa laba bersih Perseroan sejumlah Rp220.599.313.298 (dua ratus dua puluh miliar cadangan lima ratus sembilan puluh sembilan juta tiga ratus tiga belas ribu dua ratus sembilan untuk puluh delapan Rupiah) akan dipergunakan untuk membiayai operasional Perseroan tahun buku dan memperkuat Permodalan Perseroan dan dicatat sebagai Laba Yang Ditahan, sesuai 2013 telah dengan pasal 23 ayat 3 akan dikelola oleh Direksi dengan cara yang tepat menurut dibukukan / pertimbangan Direksi, setelah memeroleh persetujuan Dewan Komisaris. Allowance for c. Memberikan wewenang kepada Direksi Perseroan untuk mengatur, melaksanakan, reserve fund dan menjalankan tindakan-tindakan yang diperlukan sehubungan dengan penggunaan for 2013 fiscal laba bersih Perseroan tersebut diatas sesuai dengan ketentuan hukum dan peraturan year has been yang berlaku. recorded. b. Sisa laba bersih Approved the use of the Company’s profit for the fiscal year ended on December 31, 2013 telah dicatat at the amount of Rp221,099,313,298 (two hundred twenty one billion ninety nine million sebagai Laba three hundred thirteen thousand two hundred ninety eight Rupiah) for the following Yang Ditahan purposes: dan telah a. The amount of Rp500,000,000 is declared reserve funds according to the provision of dibukukan / article 70 paragraph 1 of the Law Number 40 of 2007 and article 23 of the Company’s The remaining articles of association. net profit b. The remaining net profit of Rp220,559,313,298 (two hundred twenty billion five was declared hundred fifty nine million three hundred thirteen thousand two hundred ninety Retained eight Rupiah) will be used to finance the Company’s operations and strengthen Earnings and the Company’s capital and recorded as Retained Earnings, according to article 23 have been paragraph 3, which will be managed properly by the Board of Directors according to recorded. the discretion of the Board of Directors after obtaining approval from the Board of Commissioners. c. Authorized the Board of Directors to manage, conduct, and take necessary actions in relation with the appropriation of the Company’s net profit, according to the prevailing rules and regulations. Keputusan Hasil Pemungutan Suara / Voting Decision




Setuju / Agree (c)

240.437 saham atau 0,002%/ 240,437 shares or 0.002%

Nihil

11.902.656.491 saham atau 100% / 11,902,656,491 shares or 100%



Nihil


347





Mata acara



Keempat / Fourth

a. Menyetujui penunjukkan Kantor Akuntan Publik Mulyamin Sensi Suryanto dan Lianny untuk melakukan pemeriksaan (audit) Laporan Keuangan Perseroan untuk tahun buku yang akan berakhir pada 31 Desember 2014 / Approved the appointment of Public Accountant Mulyamin Sensi Suryanto and Lianny to conduct audit on the Company’s Financial Statement for the year ended on December 31, 2014. b. Memberikan kuasa kepada Direksi Perseroan untuk menetapkan honorarium bagi Kantor Akuntan Publik tersebut, serta persyaratan-persyaratan lain sehubungan dengan penujukan Kantor Akuntan Publik tersebut / Authorized the Company’s Board of Directors to determine the honorarium of the Public Accountant and other requirements in relaiton wiht the appointment of the Public Accountant.





Setuju / Agree (c)

Nihil


Nihil


Nihil


Mata acara



Kelima / Fifth

Menyetujui pelimpahan wewenang sepenuhnya kepada Dewan Komisaris, dengan memperhatikan usul yang diajukan oleh Komite Remunerasi dan Nominasi Perseroan, untuk menetapkan gaji para anggota Direksi dan honorarium Dewan Komisaris Perseroan / Approved full delegation of power to the Board of Commissioners, by considering the recommendation given by the Remuneration and Nomination Committee to decide the salary of the members of the Board of Directors and the honorarium of the Board of Commissioners.


Keputusan Hasil Pemungutan Suara Hasil Perhitungan Kartu Suara / Voting Result

Tidak Setuju (a)

Nihil

Abstain (b)

Setuju (c)

Nihil



Nihil


348




Hasil RUPS Luar Biasa 2014 dan Realisasi Mata acara



Results of 2014 Extraordinary GMS and Its Realization Keputusan / Decision


a. Menyetujui pengangkatan saudara Rusmin sebagai Komisaris Independen Perseroan terhitung sejak ditutupnya RUPSLB sampai dengan 15 Juni 2017. Masa jabatan ini berlaku efektif setelah mendapatkan persetujuan dari Otoritas Jasa Keuangan. b. Memberhentikan dengan hormat saudara Wimpie Rianto selaku Komisaris Independen Perseroan dengan penghargaan dan ucapan terima kasih serta memberikan pembebasan dan pelunasan (acquit et de charge) kepada yang bersangkutan beserta tanggung jawab yang timbul dan tindakan-tindakan pengurusan yang telah diambil selama jangka waktu sejak Januari 2008 sampai dengan 13 Juni 2014 sejauh tindakan yang diambil selama melakukan pengurusan tersebut tidak bertentangan atau melanggar peraturan perundang-undangan yang berlaku. c. Menyetujui pengangkatan Saudara Hanafi Himawan dan Saudara Salis Teguh Hartono sebagai Direktur Independen Perseroan. d. Menyetujui pemberhentian dengan hormat seluruh anggota Direksi dan Dewan Komisaris Perseroan serta memberikan pelunasan dan pembebasan (acquit et de charge) tanggung jawab sepenuhnya selama menjalankan jabatannya sepanjang tindakan-tindakan tersebut tercermin dalam buku-buku Perseroan dan tidak bertentangan atau melanggar peraturan perundang-undangan yang berlaku serta mengucapkan terima kasih atas sumbangsih dan jasa-jasa yang telah diberikan.

Pertama / First

e. Menyetujui pengangkatan kembali seluruh anggota Direksi dan Dewan Komisaris Perseroan untuk masa jabatan terhitung sejak ditutupnya rapat sampai dengan 15 Juni 2017. Dengan demikian sejak ditutupnya rapat, susunan anggota Direksi, Dewan Komisaris dan Dewan Pengawas Syariah Perseroan adalah sebagai berikut: Dewan Komisaris Komisaris Utama : Tjendrawati Widjaja Komisaris Independen : Sammy Kristamuljana Komisaris Independen : Rusmin Direksi Direktur Utama Direktur Direktur Independen Direktur Direktur Direktur Independen

Rusmin efektif menjabat sebagai komisaris independen setelah mendapatkan persetujuan dari OJK Pada tanggal 19 Juni 2014

: Freenyan Liwang : Heru Agus Wuryanto : Salis Teguh Hartono : Loa Johnny Mailoa : Halim : Hanafi Himawan

Dewan Pengawas Syariah Ketua : Ali Mustafa Yaqub Anggota : Ahmadi Bin Sukarno f. Menunjuk dan memberi kuasa kepada Direksi dan/atau Corporate Secretary Perseroan untuk melaksankan keputusan tersebut di atas termasuk tetapi tidak terbatas untuk menandatangani akta pernyataan keputusan rapat di hadapan Notaris dan memberitahukan perubahan tersebut kepada pihak yang berwenang.


349



Mata acara




Keputusan / Decision a. Approved the appointment of Mr. Rusmin as the Company’s Independent Commissioner effective since the closing of the Extraordinary GMS until June 15, 2017. This term of office is effective upon approval of the Financial Services Authority. b. Respectively dismissed Mr. Wimpie Rinato as the Company’s Independent Commissioner by extending appreciaiton and thank and gave him full release and discharge (acquit et de charge) from the responsibilities that arised and management actions that have been taken from the period of January 2008 to june 13, 2014, so long as such management actions do not contravene with or violate the applicable laws and regulations. c. Approved the appointment of Mr. Hanafi Himawan and Mr. Salis Teguh Hartono as the Company’s Independent Directors. d. Respectively approved and dismissed all members of the Company’s Board of Directors and Board of Commissioners and granted them full full release and discharge (acquit et de charge) from the responsibilities that have been fulfilled during their service, provided that such actions are reflected on the Company’s reports and not against or violate the prevailing laws and regulations, and thanked them for the contributions and services that have been given. e. Approved the reappointment of all members of the Board of Directors and Board of Commissioners of the Company for the term of office effective from the closing of the meeting until June 15, 2007.

First

Hence, since the closing of the meeting, the composition of the Board of Directors, Board of Commissioners, and Sharia Supervisory Board is as follows:

Board of Commissioners President Commissioner Independent Commissioner Independent Commissioner

Rusmin serves as independent commissioner effective since the approval of the OJK on June 19, 2014.

: Tjendrawati Widjaja : Sammy Kristamuljana : Rusmin

Board of Directors President Director : Freenyan Liwang Director : Heru Agus Wuryanto Independent Director : Salis Teguh Hartono Director : Loa Johnny Mailoa Director : Halim Independent Director : Hanafi Himawan

Sharia Supervisory Board Head Member

: Ali Mustafa Yaqub : Ahmadi Bin Sukarno

f. Appointed and authorized the Board of Directors and/or Corporate Secretary of the Company to implement the decision, including but not limited to, sign the deed of the meeting decision in the presence of a Notary and notify such changes to the authorities. Keputusan Hasil Pemungutan Suara / Voting Decision Hasil Perhitungan Kartu Suara / Voting Result


Nihil


Setuju / Agree (c)

Nihil



Nihil


350






Mata acara



Kedua / Second

a. Menyetujui perubahan Anggaran Dasar Perseroan Pasal 4 ayat 2 tentang modal / Approved the amendment of the Company’s Articles of Association, Article 4 paragraph 2 on capital b. Menyetujui perubahan Anggaran Dasar Perseroan Pasal 14 ayat 2, ayat 3, dan ayat 5 tentang Direksi / Approved the change in the Company’s Articles of Association, Article 14 paragraph 2, paragraph 3, and paragraph 5 about the Board of Directors. c. Menyetujui perubahan Anggaran Dasar Perseroan Pasal 17 ayat 2 tentang Dewan Komisaris / Approved the amendment of the Company’s Articles of Association, Article 17 paragraph 2 concerning the Board of Commissioners. d. Memberikan kewenangan kepada Direksi Perseroan untuk menyatakan keputusankeputusan yang telah diambil tersebut di atas ke dalam akta Notaris dan untuk maksud tersebut menghadap ke hadapan Notaris, selanjutnya membuat atau menyuruh membuat, dan menandatangani akta, dokumen, formulir dan/atau surat-surat lainnya yang diperlukan, mengajukan permohonan, mengadakan segala perubahan dan/ atau tambahan dalam memintakan dan karenanya mengambil atau memperoleh persetujuan atau pemberitahuan kepada pihak yang berwenang, termasuk dari Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dan mendaftarkan dalam Daftar Perusahaan, serta pada umumnya melakukan tindakan apapun juga yang diperlukan untuk melaksanakan kuasa dan wewenang tersebut diatas sesuai ketentuan hukum dan peraturan perundang-undangan yang berlaku, tanpa ada yang dikecualikan termasuk melakukan perubahan dalam hal perubahan tersebut diisyaratkan oleh instansi yang berwenang / Authorized the Company’s Board of Directors to state the decisions that have been made in the Notarial deed, and for that purpose, presented it in the presence of the Notary, then drew up or had somebody make and sign the deed, document, form, and/or other letters needed, submit a proposal, make any changes and/or additions in the request, and thereby earn or acquire the approval or notification to the authorities, including from the Minister of Law and Human Rights of the Republic of Indonesia and list it on the Company Register, and generally conducted any actions wherever necessary to carry out the power and authorities according to the applicable laws and regulations without execption, including making adjutment in the event that such adjustment is required by the authorities.




Nihil


Setuju / Agree (c)

Nihil



Nihil



351





Mata acara



Ketiga / Third

a. Menyetujui Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu (PMTHMETD) dengan mengeluarkan saham baru sebanyak 1.312.411.310 (satu miliar tiga ratus dua belas juta empat ratus sebelas ribu tuga ratus sepuluh) dengan nilai nominal Rp100 (seratus Rupiah) setiap saham atau sebanyak-banyaknya 10% (sepuluh persen) dari jumlah keseluruhan saham dari modal yang disetor dan ditempatkan penuh oleh Perseroan / Approved Capital Increase Without Preemptive Rights (PMTHMETD) by issuing new shares amounting to 1,312,411,310 (one billion three hundred and twelve million four hundred eleven thousand three hundred and ten) with a nominal value of Rp100,- (one hundred Rupiah) per share or maximum of 10% (ten percent) of the total number of shares issued and fully paid in the Company; b. Memberikan wewenang dan kuasa kepada Direksi Perseroan dengan persetujuan Dewan Komisaris untuk melakukan segala tindakan yang diperlukan sehubungan dengan Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu, tetapi tidak terbatas dalam menentukan harga pelaksanaan Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu yang dianggap baik oleh Direksi, membuat dan/atau minta dibuatkan segala dokumen berkaitan dengan peningkatan modal tersebut serta meminta persetujuan dan/atau melaporkan serta melakukan pendaftaran yang diperlukan kepada pihak yang berwenang berkaitan dengan Peningkatan Modal Tanpa Hak Memesan Efek Terlebih Dahulu, satu dan lain hal tanpa ada pengecualian dengan mengingat ketentuan peraturan perundang-undangan yang berlaku termasuk peraturan di bidang Pasar Modal / Granted the authority and power to the Board of Directors of the Company upon the approval of the Board of Commissioners to perform all necessary actions in connection with the Capital Increase Without Preemption Rights, but not limited to determining the reasonable exercise price of the Capital Increase Without Preemptive Rights according to the Board of Directors, preparing and/or asking to prepare any documents relating with the capital increase and seeking approval and/or reporting it as well as registering any required documents to the authorities, in relation with the Capital Increase without Preemptive Rights, without exception, in one way or another, by considering the applicable laws and regulations, and the capital market regulation.

Sudah dilakukannya Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu (PMTHMETD) pada bulan Oktober dan November 2014 / Capital Increase Without Preemptive Rights (PMTHMETD) was done in October and November 2014




Setuju / Agree (c)


Nihil

12.418.972.296 saham atau 99,998% / 12,418,972,296 shares or 99.998%


Nihil

Total suara setuju : 12.418.972.296 saham atau 99,998% / Total agree votes: 12,418,972,296 shares or 99.998%

Mata acara



Keempat / Fourth

Menyetujui Laporan Realisasi Penggunaan Dana Penawaran Umum Terbatas I (right issue) sebagaimana tersebut di atas untuk periode April 2013 (dua ribu tiga belas) sampai dengan Maret 2014 (dua ribu empat belas) / Approved the Report of the Realization of the Use of Proceeds from Limited Public Offering I (right issue) as mentioned above for the period of April 2013 (two thousand thirteen) until March 2014 (two thousand fourteen).




Nihil


Setuju / Agree (c)

Nihil



Nihil

Total suara setuju : 12.419.212.733 saham atau 100% Total agree votes: 12,419,212,733 shares or 100%

352






DEWAN KOMISARIS

BOARD OF COMMISSIONERS

Dewan Komisaris merupakan organ dalam Bank yang

Board of Commissioners is an instrument in the Bank that is

bertugas melakukan pengawasan, baik secara umum maupun

assigned to conduct supervision, both in general and special in

secara khusus sesuai dengan Anggaran Dasar.

accordance with the Articles in Association.

Sepanjang tahun 2015, Dewan Komisaris telah melakukan

Throughout 2015, Board of Commissioners has carried out

tugas pengawasan terhadap kebijakan manajemen,

supervisory duties to management policy, mechanism of Bank

mekanisme kepengurusan dan operasional Bank yang

management and operational by the Board of Directors as well

dijalankan oleh Direksi serta memberikan masukan dan arahan

as to provide inputs and direction to the Board of Directors on

Direksi mengenai kinerja yang dijalankan.

the performance.

Dewan Komisaris melaksanakan tugas dan tanggung jawab

Board of Commissioners carried out its duties and

secara independen dan selalu memastikan terselenggaranya

responsibilities independently and always ensure the

pelaksanaan Good Corporate Governance dalam setiap

implementation of Good Corporate Governance in every

kegiatan usaha Bank pada seluruh jenjang organisasi.

business activity of the Bank in all organizational levels.

Dalam melaksanakan tugas dan tanggung jawab dan guna

In carrying out the duties and responsibilities, and to

mendukung efektivitas pelaksanaan tugas dan tanggung

support the effectiveness of implementation of duties and

jawab, Dewan Komisaris PT. Bank Sinarmas Tbk. dibantu oleh

responsibilities, the Board of Commissioners of PT. Bank

ketiga komite antara lain Komite Audit, Komite Pemantau

Sinarmas Tbk. is assisted by three committees, namely Audit

Risiko, serta Komite Remunerasi & Nominasi.

Committee, Risk Monitoring Committee, and Remuneration & Nomination Committee.

Jumlah, Komposisi dan Kriteria Dewan Komisaris

Total, Composition, and Criteria of the Board of Commissioners

Berdasarkan perubahan terakhir Anggaran Dasar Perseroan

Pursuant to the latest change in the Articles of Association,

sebagaimana tertuang dalam Akta No. 82, bahwa sampai

as stated in Deed No.82, that up to date, total members of

saat ini jumlah anggota Dewan Komisaris berjumlah 3 (tiga)

the Board of Commissioners is 3 (three) persons, consisting

orang yang terdiri dari 1 (satu) Komisaris Utama dan 2 (dua)

1 (one) President Commissioner and 2 (two) Independent

Komisaris Independen. Berikut adalah komposisi Dewan

Commissioners. The following is the composition of the Board

Komisaris PT. Bank Sinarmas Tbk. hingga 31 Desember 2015:

of Commissioners of PT. Bank Sinarmas Tbk. until December 31, 2015:

Tabel komposisi Dewan Komisaris

Table of Board of Commissioners’ composition Persetujuan / Approval

No

Nama / Name

Jabatan / Position

RUPS / GMS

OJK (d/h) Bank Indonesia

Periode Masa Jabatan / Term of Office

Domisili / Domicile

1

Tjendrawati Widjaja

Komisaris Utama / President Commissioner

21 Desember 2009 (RUPSLB) / 20 April 2010 / December 21, 2009 April 20, 2010 (EGM)

15 Juni 2017 (RUPSLB) / June 15, 2014 (EGM)

Indonesia

2

Sammy Kristamuljana

Komisaris Independen / Independent Commissioner


3 Juli 2012 / July 3, 2012


Indonesia

Rusmin



19 Juni 2014 / June 19, 2014


Indonesia

3


353





Berdasarkan jumlah, komposisi dan kriteria Dewan Komisaris

The total, composition, and criteria of the Board of

telah memenuhi ketentuan dalam Peraturan Bank Indonesia

Commissioners have fulfilled the provision in Bank Indonesia

Nomor 8/14/PBI/2006 tentang Perubahan Atas Peraturan Bank

Regulation No.8/14/PBI/2006 on Amendment to Bank

Indonesia Nomor 8/4/PBI/2006 tentang Pelaksanaan Good

Indonesia Regulation No.8/4/PBI/2006 on The Implementation

Corporate Governance bagi Bank Umum, disebutkan bahwa:

of Good Corporate Governance For Commercial Banks, stated that:

1. Jumlah anggota Dewan Komisaris paling kurang 3 (tiga)

1. Total member of the Board of Commissioners is at least 3

orang dan paling banyak sama dengan jumlah anggota

(three) persons and at most equal to the total members of

Direksi.

the Board of Directors.

2. Paling kurang 1 (satu) orang anggota Dewan Komisaris wajib berdomisili di Indonesia 3. Dewan Komisaris dipimpin oleh Presiden Komisaris atau Komisaris Utama 4. Dewan Komisaris terdiri dari Komisaris dan Komisaris Independen 5. Pengangkatan anggota Dewan Komisaris dilakukan

2. At least 1 (one) member of the Board of Commissioners shall resides in Indonesia. 3. The Board of Commissioners is lead by a President Commissioners 4. The Board of Commissioners consists of Commissioners and Independent Commissioners. 5. The appointment of member of the Board of

oleh RUPS berdasarkan usulan Komite Remunerasi dan

Commissioners is carried out by GMS based on suggestion

Nominasi

from Remuneration and Nomination Committee.

6. Seluruh anggota Dewan Komisaris telah lulus fit and

6. All members of the Board of Commissioners have passed

proper test oleh Bank Indonesia dan Otoritas Jasa

the fit and proper test by Bank Indonesia and Financial

Keuangan.

Services Authority.

Hak, Wewenang, dan Kewajiban Dewan Komisaris

Rights, Authority, and Responsibilities of Board of Commissioners

Hak dan Wewenang

Rights and Authority

1. Dewan Komisaris berwenang memberikan persetujuan

1. Board of Commissioners is authorized to give approval in

tertulis atas keputusan Direksi; 2. Anggota Dewan Komisaris baik sendiri maupun bersama-

writing for the Board of Directors’ decision; 2. Members of the Board of Commissioners, both individually

sama berhak setiap waktu memasuki bangunan dan

and collectively, are entitled to enter the building and

halaman atau tempat lain yang dipergunakan dan dikuasai

premises or other places that are used, owned, and under

serta dimiliki Bank dan berhak memeriksa buku-buku,

the authority of the Bank, at any time, and are authorized

surat-surat bukti, persediaan barang-barang, memeriksa

to examine books, documentary evidences, and good

dan mencocokan keadaan uang kas untuk keperluan

inventory, and cross-checking the cash flow and so on,

verifikasi dan lain-lain termasuk surat berharga serta

including securities, for verification purposes. They also

mengetahui segala tindakan yang telah dijalankan oleh

have the right to be informed on any actions performed by

Direksi; 3. Tindakan dalam hal sebagaimana tersebut di atas, harus

the Board of Directors; 3. The actions as mentioned above shall only be conducted in

dijalankan dalam kapasitas sebagai anggota Dewan

the capacity of a member of the Board of Commissioners

Komisaris dan wajib dilaporkan pada rapat Dewan

and are obliged to be reported at the Board of

Komisaris tentang tindakan tersebut; 4. Jika dianggap perlu Dewan Komisaris berhak untuk

Commissioners’ meeting; 4. If deemed necessary, the Board of Commissioners is

meminta bantuan tenaga ahli dalam melaksanakan

entitled to ask for expert assistance in performing its duties

tugasnya untuk jangka waktu terbatas dengan beban

for a specified period of time at the expense of the Bank;

Bank; 5. Setiap anggota Dewan Komisaris berhak meminta

5. Each member of the Board of Commissioners has the right

penjelasan tentang segala hal dari Direksi maupun

to obtain explanation on any matters from the Board of

seluruh jajaran dibawahnya dan Direksi berkewajiban

Directors and all the managements under it, and the Board

memenuhinya; dan

of Directors must fulfill it; and

354




6. Setiap anggota Dewan Komisaris berhak menghadiri



6. Each member of Board of Commissioners is entitled to

rapat-rapat yang diselenggarakan oleh Direksi atau unit

attend meetings held by the Board of Directors or the

kerja dibawahnya tanpa ikut memberikan keputusan.

working units it supervises without the right to make decision.

Kewajiban

Responsibilities

1. Memberikan pengesahan dan mengawasi implementasi

1. Ratifying and supervising the implementation of the Bank’s

Rencana Bisnis Bank (RBB); 2. Menindaklanjuti hasil pengawasan dan rekomendasi

Business Plan (RBB); 2. Following-up the result of the supervision and

yang diberikan dalam hal terjadi penyimpangan terhadap

recommendation given in the event of violation to the

ketentuan perundang-undangan yang berlaku, Anggaran

provisions of the applicalbe laws, Articles of Associations,

Dasar dan prinsip prudential dalam praktek bisnis

and prudential principles in its business practices;

(prudential banking practise); 3. Mengikuti perkembangan kegiatan bisnis Bank, dan

3. Keeping up with the development of the Bank’s business

dalam hal Bank menunjukkan gejala kemunduran, segera

activities, and in the event that the Bank shows signs

mengusulkan untuk mengadakan RUPS dan melaporkan

of decline, the Board shall immediately propose the

kepada Pemegang Saham dengan disertai saran tentang

convening of GMS and report it to the Shareholders along

langkah perbaikan yang diperlukan;

with the correction actions that are necessary;

4. Memberikan pendapat dan saran untuk disampaikan pada RUPS mengenai setiap persoalan yang dianggap penting

4. Providing opinion and advices at the GMS on any matter considered important for the Bank’s management;

bagi kepengurusan Bank; 5. Melakukan tugas-tugas pengawasan lainnya yang ditentukan oleh RUPS dan peraturan perundang-

5. Conducting other supervisory tasks that are determined by the GMS and the laws and regulations;

undangan; 6. Memberikan arahan dan konsultasi kredit serta review atas persetujuan kredit yang melebihi jumlah tertentu yang ditentukan dalam RUPS dan/atau Anggaran Dasar; dan 7. Memastikan terselenggaranya pelaksanaan Good

6. Providing guidance and credit consultation and review on credit approval that exceeds the amount set by the GMS and/or the Articles of Association; and 7. Ensuring the implementation of good corporate

Corporate Governance dalam setiap kegiatan usaha Bank

governance in each business activity of the Bank at all

pada seluruh tingkatan atau jenjang organisasi.

levels of the organization.

Tugas dan Tanggung Jawab

Duties and Responsibilities

Berdasarkan Surat Keputusan No. SK.002/2015/PRESKOM-

Based on the Decree No. SK.002/2015/PRESKOM-

CorSec&CorComm tertanggal 26 Mei 2015, secara umum

CorSec&CorComm Dated May 26, 2015, the Board of

Dewan Komisaris memiliki tugas dan tanggung jawab sebagai

Commissioners has the following duties and responsibilities:

berikut: 1. Melaksanakan sebaik-baiknya kewajiban Dewan Komisaris

1. Carrying out the Board of Commissioners’ obligations in

sebagaimana diamanatkan dalam peraturan perundang-

a well manner as mandated in the Laws and Regulations,

undangan, Anggaran Dasar Perseroan berikut perubahan-

the Company’s Articles of Association and its amendments,

perubahannya, Board Manual, Surat Keputusan ini beserta

Board Manual, this Decree and its amendment, and Board

perubahannya, dan Pedoman Tata Tertib Kerja Dewan

Manual;

Komisaris; 2. Dalam menjalankan tugasnya, Dewan komisaris berhak

2. In performing its duties, the Board of Commissioners is

memperoleh penjelasan dari Direksi atau setiap anggota

entitled to obtain explanation from the Board of Directors

Direksi tentang segala hal yang diperlukan oleh Dewan

or any member of the Board of Directors on all matters

Komisaris;

required by the Board of Commissioners;

3. Dewan Komisaris menerapkan prinsip-prinsip Good

3. The Board of Commissioners implements the GCG

Corporate Governance sebagaimana diatur dalam

principles as stipulated in Bank Indonesia Regulation

Peraturan Bank Indonesia 8/4/PBI/2006 tentang

No.8/4/PBI/2006 on the implementation of Good


355





Pelaksanaan Good Corporate Governance tertanggal 30

Corporate Governance dated January 30, 2006 which was

Januari 2006 jo. Peraturan Bank Indonesia 8/14/PBI/2006

amended with Bank Indonesia Regulation No. 08/14/2006

tertanggal 5 Oktober 2006, dalam setiap kegiatan usaha

dated October 5, 2006, in each business activity of the

Bank pada seluruh tingkatan atau jenjang organisasi; 4. Melakukan pengawasan atas kebijakan pengurusan

Bank at all levels of the organization; 4. To supervise the monitoring policy in general, regarding

pada umumnya, baik mengenai Bank sebagai Perseroan

the Bank as the Company and the Bank as a business, and

maupun usaha Bank, dan memberi nasihat kepada Direksi;

to provide advice to the Board of Directors;

5. Dalam melakukan pengawasan, Dewan komisaris wajib

5. In conducting the supervision, the Board of Commissioners

mengarahkan, memantau, dan mengevaluasi pelaksanaan

must direct, monitor, and evaluate the implementation of

kebijakan strategis Perseroan serta melaporkannya secara

the Company’s strategic policy and report it in writing to

tertulis ke Otoritas Jasa Keuangan secara semesteran;

Bank Indonesia every semester.

6. Dalam melakukan pengawasan, Dewan Komisaris

6. In conducting supervision, the Board of Commissioners

dilarang terlibat dalam pengambilan keputusan kegiatan

must not be involved in making decision about the Bank’s

operasional Bank (kredit, treasury, penghimpunan dana,

operations (credit, treasury, fund collection, and other

dan kegiatan operasional lainnya), kecuali :

operational activities), except:

a. Penyediaan dana kepada pihak terkait sebagaimana

a. Provision of funds to related parties as stipulated in the

diatur dalam ketentuan Regulator tentang Batas

Bank Indonesia regulations concerning Lending Limit

Maksimum Pemberian Kredit bank Umum; dan

for Commercial Banks; and

b. Hal-hal lain yang ditetapkan dalam Anggaran dasar Bank atau peraturan perundangan yang berlaku. 7. Memastikan bahwa Direksi telah menindaklanjuti temuan

b. Other matters specified in the Articles of Association of the Bank or the applicable laws and regulations. 7. Ensuring that the Board of Directors has followed up the

audit dan rekomendasi dari satuan kerja audit intern

audit findings and recommendations of the Bank’s internal

Bank, auditor eksternal, hasil pengawasan Otoritas

audit unit, the external auditors, the results of supervision

Jasa Keuangan dan/atau hasil pengawasan otoritas

by Bank Indonesia and/or by the other authorities,

lain termasuk namun tidak terbatas pada Otoritas Jasa

including but not limited to Bapepam-LK and/or the

Keuangan dan/atau Bursa Efek Indonesia;

Indonesia Stock Exchange.

8. Memberitahukan kepada Otoritas Jasa Keuangan paling

8. To inform Bank Indonesia within 7 (seven) working days

lambat 7 (tujuh) hari kerja sejak ditemukannya :

after the discovery of:

a. Pelanggaran peraturan perundang-undangan dibidang

a. Violation to laws and regulations in the field of finance

keuangan dan perbankan; dan b. Keadaan atau perkiraan keadaan yang dapat membahayakan kelangsungan usaha Bank. 9. Berkewajiban membentuk paling kurang :

and banking. b. The condition or forecasts on matters that can harm the Bank’s sustainability. 9. To have the obligation to establish at least:

a. Komite Audit;

a. Audit Committee

b. Komite Pemantau Risiko;

b. Risk Monitoring Committee, and

c. Komite Remunerasi dan Nominasi.

c. Remuneration and Nomination Committee

10. Dewan Komisaris wajib menyelenggarakan RUPS Tahunan dan RUPSLB sesuai kewenangannya dalam peraturan perundang-undangan dan Anggaran Dasar; 11. Dewan Komisaris wajib melakukan evaluasi terhadap

10. The Board of Commissioners must conduct Annual and EGMS in accordance with its authority in legislations and the Articles of Association; 11. The Board of Commissioners must evaluate the

kinerja komite yang membantu pelaksanaan tugas dan

performance of committees that helped the

tanggung jawabnya setiap akhir tahun buku.

implementation of its duties and responsibilities every end of fiscal year.

356






Pembagian Ruang Lingkup Tugas dan Tanggung Jawab

Distribution of Scope of Duties and Responsibilities of

Masing-Masing Anggota Dewan Komisaris

Each Member of the Board of Commissioners

Secara khusus pembagian tugas dan tanggung jawab Dewan

Generally, the duties and responsibilities of the Board of

Komisaris adalah sebagai berikut:

Commissioners are as follows:

Tabel pembagian tugas dan tanggung jawab masing-masing

Table of distribution of duties and responsibilities of each

Dewan Komisaris

member of the Board of Commissioners Komisaris Utama / President Commissioner - Tjendrawati Widjaja

1.

Melakukan koordinasi seluruh kegiatan Anggota Dewan Komisaris dan bersama-sama Anggota Dewan Komisaris lainnya melakukan peningkatkan fungsi pengawasan terhadap pengelolaan dan kinerja Perseroan / To coordinate all activities of the members of the Board of Commissioners in order to improve the supervisory function toward the management and performance of the Company.

2

Melakukan pengawasan terkait Credit, Liabilities Product Development, Sharia, Treasury, Global Trade Services/FI, Electronic Channel Operations, Retail Business, Micro Small Business Group, Corporate Retail Acquisition, Main Branch Thamrin, dan Sales & Distribution yang secara garis besar adalah / To perform monitoring on credit, liabilities product development, sharia, treasury, Global Trade Services, and Electronic Channel Operations, which generally covers the following: a. Pengawasan terhadap kegiatan pemberian dan komposisi kredit berdasarkan penerapan prinsip kehati-hatian (prudential principle) termasuk tindaklanjut atas temuan Otoritas Jasa Keuangan di bidang kredit / Supervision on loan approval and composition based on prudential principle, including the follow up of the findings of Bank Indonesia in the field of credit. b. Pengawasan terhadap pengembangan dan peluncuran produk/jasa baru yang dikeluarkan / Supervision on the development and launching of products/services, among others, funding, business partner development, credit card, investment product, as well as electronic channels. c. Pengawasan terhadap kegiatan Unit Usaha Syariah / Supervision over the Sharia Business Line. d. Pengawasan atas likuiditas, kegiatan terkait pasar uang, surat berharga dan kegiatan jual beli valuta asing / Supervision on liquidity, activities related to money market, securities, and activities of foreign exchange trade. e. Pengawasan terhadap kegiatan Global Trade Services/FI / Supervision on Global Trade Services/FI. f. Pengawasan terhadap kegiatan Electronic Channel Operations seperti card issuance, rekonsiliasi, settlement, system development, system procedure, monitoring & deployment, dan product development / Supervision over Electronic Operations activities such as card issuance, reconciliation, settlement, system development, system procedures, monitoring and deployment, and product development. g. Pengawasan terhadap bisnis retail Perseroan khususnya pemberian fasilitas kredit retail dan pemantauan kelancaran kredit retail sesuai dengan ketentuan standar kredit yang sehat / Supervision on the Company’s retail business, especially retail credit and supervision on the smoothness of retail credit in accordance with the provisions of sound credit standards. h. Pengawasan terhadap kegiatan unit mikro bisnis agar memenuhi standar yang ditetapkan khususnya permohonan pembiayaan nasabah / Supervision on the micro business unit to meet the determined standards, especially customer financing requests. i. Pengawasan terhadap kegiatan pemasaran dalam hal deepening dan cross sell atas seluruh jasa perbankan terutama retail products seperti payroll, KTA payroll, Bancassurance, reksadana, credit card, digital banking / Supervision over marketing activities in deepening and cross sell on all bank services especially retail products such as payroll, KTA payroll, Bancassurance, mutual funds, credit card, and digital banking. j. Pengawasan terhadap seluruh aktivitas di KCU Thamrin yang berhubungan dengan kredit, funding, operasional dan kegiatan lainnya dengan pihak internal maupun eksternal / Supervision on all activities in KCU Thamrin related to credit, funding, operations and other activities with both internal and external parties. k. Pengawasan terhadap jalannya penerapan strategi bisnis di masing-masing Kantor Wilayah dan Kantor Cabang / Supervision on implementation of business strategies in each regional and branch office. Komisaris Independen / Independent Commissioner - Sammy Kristamuljana

1.

Bersama-sama dengan anggota Dewan Komisaris lainnya dalam meningkatkan fungsi pengawasan terhadap pengelolaan dan kinerja Perseroan / Together with members of the Board of Commissioners, to improve the oversight function of the Company’s management and performance.


357





Komisaris Independen / Independent Commissioner - Sammy Kristamuljana

2

Melakukan pengawasan terkait Loan Recovery, Business Continuity Management, SKMR, Information Technology, Financial Planning & Controlling & Performance Management, Compliance, Capital Market, Card Center, Digital Banking, BND, dan Bancassurance & Agency secara garis besar adalah / Together with members of the Board of Commissioners, to improve the oversight function of the Company’s management and performance: a. Pengawas atas debitur dengan kredit bermasalah / Supervision on the debtors with non-performing loans. b. Pengawasan atas kebijakan dan pelaksanaan Business Continuity Plan / Supervision on the policy and implementation of Business Continuity Plan. c. Pengawasan terhadap perumusan, penetapan, dan evaluasi kebijakan manajemen risiko / Supervision on the formulation, determination, and evaluation of risk management policies. d. Pengawasan terhadap perumusan dan evaluasi pengembang jaringan teknologi informasi guna mendukung kegiatan Perseroan (Blueprint teknologi Informasi) / Supervision on the formulation and evaluation of information technology development network to support the activities of the Company (Information Technology Blueprint). e. Pengawasan terhadap perumusan dan evaluasi strategi Perseroan yang tertuang dalam rencana bisnis dan corporate plan dikaitkan dengan visi dan misi Perseroan / Supervision on the formulation and evaluation of the Company’s strategy set out in the business plan and corporate plan, which is associated with the Company’s vision and mission. f. Pengawasan atas kepatuhan terhadap peraturan internal maupun peraturan eksternal (Regulator perbankan dan pasar modal) / Supervision on compliance on both internal and external regulations (banking and capital market regulators). g. Pengawasan terhadap pengembangan dan pemasaran produk pasar modal / Supervision on development and marketing of capital market products. h. Pengawasan terhadap ketentuan dan prosedur kerja kartu kredit khususnya otorisasi kenaikan limit sementara / Supervision on work provisions and procedures of credit card, especially authorization on temporary limit increase. i. Pengawasan terhadap proses pengembangan produk-produk online banking dan perkembangan tren online banking agar tercipta competitive advantage dalam persaingan pasar / Supervision on development process of online banking products and trend developments of online banking to establish competitive advantage in market competition. j. Pengawasan terhadap rencana pengembangan jaringan kantor baru, analisis dan segmentasi pasar / Supervision on planning of development of new office network, market analysis and segmentation. k. Pengembangan terhadap aktivitas transaksi bancassurance dan keagenan yang memberikan konstribusi penjualan / Development on bancassurance and agency transaction activities that contribute on sales. Komisaris Independen / Independent Commissioner - Rusmin

1.

Bersama-sama dengan anggota Dewan Komisaris lainnya dalam meningkatkan fungsi pengawasan terhadap pengelolaan dan kinerja Perseroan / Together with member of the Board of Commissioners, to improve the supervisory function on the Company’s management and performance.

2

Melakukan pengawasan terkait SKAI, Human Capital Recuritment & Admin Support, Human Capital System & Strategic, Accounting, Credit Administration & Control, Operations, Corporate Secretary & Legal, General Affairs, Anti Fraud, Procurement, dan Wealth Management yang secara garis besar adalah / To perform supervision related to Internal Audit, Human Capital Management, Accounting, Credit Administration & Control, Operations, Corporate Secretary & Communication, and General Affairs, which is generally described below: a. Pengawasan terhadap pengendalian internal yang dilaksanakan oleh audit internal dan audit eksternal / Supervision on the internal control that is implemented by internal and external audit. b. Pengawasan atas kegiatan perekrutan dan pengembangan sumber daya manusia. / Supervision on the recruitment and human resources development c. Pengawasan atas pelaksanaan corporate action dan pemenuhan terhadap ketentuan peraturan eksternal (Regulator perbankan dan pasar modal) / Supervision on the implementation of corporate action and the fulfillment of external regulations (banking and capital market Regulators). d. Pengawasan terhadap perlakuan akuntansi dan laporan keuangan Perseroan serta pendapatan, biaya dan pajak Perseroan / Supervision on accounting and financial statements of the Company. e. Pengawasan terhadap pelaksanaan fungsi administratif kredit / Supervision on loan administrative function implementation. g. Pengawasan terhadap setiap perbuatan hukum yang diambil Bank dan pengendalian terhadap risiko hukum / Supervision on every legal action taken by the Bank and management towards legal risks. h. Pengawasan atas kegiatan pemeliharaan aset perusahaan dan ketepatan atas pemenuhan kebutuhan administrasi perseroan dengan memperhatikan efisiensi Perseroan / Supervision on maintenance of the Company’s assets and the accuracy of fulfillment of the Company’s administrative needs by paying attention to the Company’s efficiency.

358






Komisaris Independen / Independent Commissioner - Rusmin i. Pengawasan terhadap strategi bank dalam pencegahan dan pengendalian fraud / Supervision on the Bank’s strategy in fraud prevention and controlling. j. Pengawasan terhadap segala kebutuhan Perseroan akan barang-barang IT sesuai standar minimal yang ditentukan / Supervision on all of the Company’s needs on IT goods in accordance with the set minimal standards. k. Pengawasan terhadap proses pengembangan produk investasi baik untuk existing product maupun new product dalam rangka meningkatkan fee based income bagi Bank / Supervision on development process of investment products both existing and new products in order to improve fee based income for the Bank. Independensi, Kepemilikan Saham, dan Hubungan

Independence, Share Ownership, and Affiliation

Afiliasi

Relationship

Berdasarkan Peraturan Bank Indonesia Nomor 8/14/PBI/2006

Based on Bank Indonesia Regulation No. 8/4/PBI/2006 on

tentang Perubahan Atas Peraturan Bank Indonesia Nomor 8/4/

Amendment on the Bank Indonesia Regulation about GCG

PBI/2006 tentang Pelaksanaan Good Corporate Governance

Implementation for Commercial Banks, the members of the

bagi Bank Umum, Anggota Dewan Komisaris wajib

Board of Commissioners must disclose:

mengungkapkan: 1. Kepemilikan saham yang mencapai 5% (lima persen) atau

1. Share ownership of up to 5% (five percent) or more both

lebih baik pada Bank yang bersangkutan maupun pada

for the concerned Bank and other Banks and Companies

Bank dan Perusahaan lain yang berkedudukan di dalam

located in and out of the country.

dan di luar negeri 2. Financial and family relationship with other members of

2. Hubungan keuangan dan hubungan keluarga dengan anggota Dewan Komisaris lain, anggota Direksi dan/atau

the Board of Commissioners, Board of Directors, and/or

pemegang saham pengendali Bank.

controlling shareholders of the Bank.

Seluruh anggota Dewan Komisaris tidak memiliki kepemilikan

All members of the Board of Commissioners have no

dan/atau hubungan keuangan, serta hubungan keluarga

financial relationships and/or family relationships (to the

(sampai dengan derajat kedua) dengan anggota Dewan

second degree) with other members of the Board of

komisaris lainnya, anggota Direksi, dan/atau pemegang saham

Commissioners, the Board of Directors, and/or controlling

pengendali. Selain itu, anggota Dewan Komisaris tidak ada

shareholders. In addition, none of the members of the Board

yang merangkap jabatan sebagai anggota Dewan komisaris,

of Commissioners hold concurrent positions as members of

Direksi, atau Pejabat Eksekutif pada suatu lembaga keuangan

the Board of Commissioners, Board of Directors, or Executive

lain, atau anggota Dewan Komisaris, Direksi, atau Pejabat

Officer in other financial institutions, or a member of the

Eksekutif yang melaksanakan fungsi pengawasan pada

Board of Commissioners, Board of Directors, or the Executive

satu anak perusahaan bukan Bank yang dikendalikan oleh

Officer that carries out supervision on a non-bank subsidiary

perusahaan.

controlled by the Company.

Hubungan Afiliasi Dewan Komisaris

Affiliation of Board of Commissioners

Hubungan Keuangan dengan Financial Relationship with Nama / Name

Dewan Komisaris / Board of Commissioners Yes

No

Direksi / Board of Directors Yes

No

Hubungan Keluarga dengan Family relationship with

Pemegang Saham / Shareholders Yes

No

Dewan Komisaris/ Board of Commissioners Yes

No


No


No

Tjendrawati Widjaja

x

x

x

x

x

x

Sammy Kristamuljana

x

x

x

x

x

x

Rusmin

x

x

x

x

x

x


359





Informasi kepemilikan saham Dewan Komisaris sebagai

Information on share ownership of the Board of

berikut:

Commissioners are as follows:

Tabel kepemilikan saham Dewan Komisaris

Tabel of share ownership of the Board of Commissioners

Nama / Name

31 Desember 2014 / December 31, 2014


Tjendrawati Widjaja (Komisaris Utama / President Commissioner)

-

1.258.300 saham (0,0089%) / 1,258,300 shares (0,0089%)

Sammy Kristamuljana (Komisaris Independen / Independent Commissioner)

-

-

Rusmin (Komisaris Independen / Independent)

-

-

Rangkap Jabatan Dewan Komisaris

Concurrent Position of the Board of Commissioners

Berdasarkan Peraturan Bank Indonesia No. 8/4/PBI/2006

Based on Bank Indonesia Regulation No. 8/4/PBI/2006 on

tentang Pelaksanaan Good Corporate Governance bagi Bank

Good Corporate Governance Implementation, members of

Umum, anggota Dewan Komisaris diperkenankan untuk

the Board of Commissioners are allowed to hold concurrent

merangkap jabatan, namun dengan ketentuan sebagai

positions with the following conditions:

berikut: a. Hanya dapat menjadi anggota Dewan Komisaris, Direksi, atau Pejabat Eksekutif pada 1 (satu) lembaga/perusahaan

a. They can only become a member of the Board of Commissioners, Board of Directors, or the Executive Officer in 1 (one) non-financial institution/company, or

bukan lembaga keuangan, atau b. Anggota Dewan Komisaris, Direksi, atau Pejabat Eksekutif

b. Members of the Board of Commissioners, Board

yang melaksanakan fungsi pengawasan pada 1 (satu)

of Directors, or the Executive Officer that carry out

perusahaan anak bukan Bank yang dikendalikan oleh

supervisory function in one (1) non-bank subsidiaries

Bank.

controlled by the Bank.

Informasi mengenai rangkap jabatan anggota Dewan

Information on concurrent position of members of Board of

Komisaris sebagai berikut:

Commissioners.

Tabel informasi rangkap jabatan anggota Dewan Komisaris

Table of information on concurrent position of members of Board of Commissioners

Jabatan di Bank Sinarmas / Position in Bank Sinarmas

Jabatan di Bank Lain / Position in other bank

Jabatan di Perusahaan/ Lembaga Lain / Position in other instutitions

Tjendrawati Widjaja

x

x

x

Sammy Kristamuljana

x

x

x

Rusmin

x

x

x

Nama / Name

Pedoman dan Tata Tertib Kerja Dewan Komisaris

Guidelines and Work Rules of Board of Commissioners

Pedoman dan tata tertib kerja Dewan Komisaris ditetapkan

Guidelines and work rules of Board of Commissioners

melalui Surat Keputusan nomor SK.001/2015/PRESKOM-

are determined through Decree number SK.001/2015/

CorSec&CorComm tertanggal 17 April 2015. Adapun isi

PRESKOMCorSec&CorComm dated April 17, 2015. The

dari pedoman dan tata tertib Dewan Komisaris antara lain

guidelines and work rules of the Board of Commissioners

mengatur:

consist of the following:

1. Ketentuan umum

1. General provisions

2. Syarat anggota Dewan Komisaris

2. Condition of membership of the Board of Commissioners

3. Susunan Dewan Komisaris

3. Composition of the Board of Commissioners

360






4. Hari, jam kerja dan cuti Dewan Komisaris

4. Working days, hours, and day-offs of the Board of

5. Tugas dan tanggung jawab Dewan Komisaris

5. Duties and Responsibilities of the Board of Commissioners

6. Masa Jabatan

6. Term of office

7. Keikutsertaan saham

7. Share participation

8. Rapat

8. Meetings

9. Perjalanan dinas Dewan Komisaris

9. Business trip of the Board of Commissioners

10. Hubungan Keuangan, Hubungan Kepengurusan,

10. Financial affair, management affair, share ownership affair,

Commissioners

hubungan kepemilikan saham dan/atau Hubungan

and/or family relationship

Keluarga 11. Pakaian

11. Outfit

12. Kepatuhan Terhadap Ketentuan

12. Compliance to provisions

13. Kode Etik

13. Code of Ethics

14. Peningkatan Kompetensi Dewan Komisaris

14. Competence improvement for the Board of Commissioners

15. Pengunduran Diri/Pemberhentian Anggota Dewan

15. Resignation/Dismissal of Members of the Board of

Komisaris

Commissioners

16. Larangan

16. Illegal

Frekuensi, Tingkat Kehadiran, dan Rekap Absensi Rapat

Frequency, Attendance Rate and Absence Record of

Dewan Komisaris


Dewan Komisaris menyelenggarakan rapat Dewan Komisaris

The Board of Commissioners holds Board of Commissioners

yang efektif dan menghadiri rapat tersebut sesuai dengan

meetings effectively and attends those meetings in accordance

ketentuan Surat Keputusan No.SK.001/2015/PRESKOM-

with the provisions of the Decree number SK.001/2015/

CorSec&CorComm tanggal 17 April 2015 tentang Pedoman

PRESKOMCorSec&CorComm dated 17 April 2015 about

dan Tata Tertib Kerja Dewan Komisaris PT. Bank Sinarmas Tbk.

Guidelines and Working Rules of the Board of Commissioners

dalam point VII tentang Rapat.

of PT Bank Sinarmas Tbk in point VII about Meetings.

Rapat Rutin Dewan Komisaris wajib diselenggarakan secara

Regular Meeting of the Board of Commissioners must be

berkala minimal 1 (satu ) kali dalam 2 (dua) bulan. Rapat

held routinely at least once in 2 (two) months. The meetings

tersebut dihadiri secara fisik oleh anggota Dewan Komisaris

are physically attended by members of the Board of

dan dipimpin oleh Komisaris Utama. Seluruh hasil rapat

Commissioners and chaired by the President Commissioner.

diputuskan berdasarkan musyawarah mufakat dan dituangkan

All meeting results are decided after consensus and set

secara tertulis dalam risalah rapat serta di dokumentasikan

forth in writing in the minutes of the meeting as well as

dengan baik. Adapun Rapat Dewan Komisaris yang telah

documented properly. The Board of Commissioners’ meetings

diselenggarakan selama tahun 2015 adalah sebagai berikut:

that have been implemented in 2015 are as follows:

Tabel frekuensi dan tingkat kehadiran anggota Dewan

Table of meeting frequency and attendance rate of the Board

Komisaris dalam rapat

of Commissioners

No

Nama / Name

Jabatan / Position

Frekuensi Kehadiran / Attendance Frequency

1

Tjendrawati Widjaja


7/7

2

Sammy Kristamuljana


7/7

3

Rusmin


7/7


361





Tabel rekap absensi rapat Dewan Komisaris

Table of Absence Recapitulation at the Board of Commissioners’ Meeting

Tanggal / Date

Tjendrawati Widjaja

Sammy Kristamuljana

Rusmin


√

√

√

17 April 2015 / April 17, 2015

√

√

√

26 Juni 2015 / June 26, 2015

√

√

√

14 Agustus 2015 / August 14, 2015

√

√

√

18 September 2015 / September 18, 2015

√

√

√

28 Oktober 2015 / October 28, 2015

√

√

√


√

√

√

Tabel agenda rapat Dewan Komisaris Tanggal / Date


17 April 2015/ April 17, 2015

26 Juni 2015 / June 26, 2015

362

Nomor Risalah Rapat / Minutes of Meeting Number

Table of meeting agenda of Board of Commissioners Agenda Rapat / Meeting Agenda

RR.001/2015/DEKOM

1. Penyesuaian pedoman dan tata tertib Dewan Komisaris berdasarkan Peraturan Bank Indonesia dan Peraturan Otoritas Jasa Keuangan 2. Evaluasi Piagam Komite Remunerasi & Nominasi 3. Update hasil Pemeriksaan KAP

1. Adjustment of guidelines and procedures of the Board of Commissioners based on Bank Indonesia Regulation and the Financial Services Authority Regulation. 2. Evaluation on the Remuneration & Nomination Committee Charter 3. Update on KAP Audit Result

RR.002/2015/DEKOM

1. Evaluasi piagam komitekomite di bawah Dewan Komisaris 2. Pembagian Tugas dan Tanggung Jawab Dewan Komisaris 3. Kinerja Bank Sinarmas Triwulan i-2015

1. Evaluation on charters of committees below the Board of Commissioners 2. Distribution of duties and responsibilities of the Board of Commissioners 3. Performance of Bank Sinarmas in the 1st quarter of 2015

1. Evaluasi Piagam Komite Pemantau Risiko dan Piagam Komite Audit 2. Membahas Kinerja Bank Sinarmas triwulan I-2015 (sesuai surat OJK No.S-71/ PB.331/2015 tanggal 9 Juni 2015) 3. Membahas Laporan Keuangan Tahunan Tahun 2014 Bank Sinarmas (sesuai surat OJK No.S-79/ PB.331/2015 tanggal 23 Juni 2015)

1. Evaluation of Risk Monitoring Committee Charter and Audit Committee Charter 2. Discussing the performance of Bank Sinarmas in the 1st quarter of 2015 (in accordance with the letter of the FSA No. S-71/ PB.331/2015 dated June 9, 2015) 3. Discussing the Annual Financial Statement of Bank Sinarmas in 2014 (in accordance with the letter of the FSA No. S-71/ PB.331/2015 dated June 23, 2015)

RR.003/2015/DEKOM



Tanggal / Date



Nomor Risalah Rapat / Minutes of Meeting Number


Agenda Rapat / Meeting Agenda

14 Agustus 2015 / August 14, 2015

RR.004/2015/DEKOM

1. Pengunduran diri pihak independen 2. Evaluasi Komite Good Corporate Governance 3. Kinerja Bank Sinarmas Triwulan II-2015


RR.005/2015/DEKOM

1. Pihak independen


RR.006/2015/DEKOM

1. Kinerja Bank Sinarmas triwulan III-2015

RR.007/2015/DEKOM

1. Laporan Kinerja Dewan Komisaris PT. Bank Sinarmas Tbk. tahun 2015 2. Program Kerja Dewan Komisaris tahun 2016 3. Pembubaran Komite Tata Kelola Perusahaan


Kunjungan Kerja Dewan Komisaris

Work Visit of Board of Commissioners

Sepanjang tahun 2015, Dewan Komisaris melakukan

Throughout 2015, the Board of Commissioners made a

beberapa kunjungan ke beberapa kantor cabang. Dalam

visit to several branch offices. During their visit, the Board

kunjungan tersebut, Dewan Komisaris memberikan briefing

of Commissioners gave some briefing or discussed certain

atau membahas hal-hal tertentu terkait aktivitas bisnis kantor

matters on business activities of the branches. The Board of

cabang. Dewan Komisaris juga melakukan sharing session

Commissioners also conducts sharing session where they

yang berisikan pembekalan, pengarahan, dan wejangan baik

share their knowledge, insight, and provide advices to the

kepada karyawan yang baru bergabung maupun karyawan

employees, both newly-joined or working at the Company for

yang sudah lama bergabung di Bank Sinarmas.

a long time in Bank Sinarmas.

Informasi mengenai kunjungan kerja Dewan Komisaris pada

Information on work visit of the Board of Commissioners in

2015 sebagai berikut:

2015 is as follows:

No

Tanggal / Dated

1

24 - 27 Agustus 2015 / August 24 - 27, 2015

2

13 Juli 2015 / July 13, 2015

3

23 - 25 November 2015 / November 23 - 25, 2015

Kota / City

Topik Kunjungan / Visit Topic

Denpasar

Performance Review

Banjarmasin

Performance Review

Makassar

Performance Review

Orientasi Bagi Dewan Komisaris Baru

Policy for New Board of Commissioners

Orientasi diberikan kepada Dewan Komisaris yang baru

Orientation is given to the new Board of Commissioners

pertama menjabat di Bank Sinarmas. Apabila Dewan Komisaris

who has just served at Bank Sinarmas. If there is only a half

yang diganti hanya sebagian, maka penanggung-jawab

of the Board of Commissioners who gets replaced, then the

orientasi tersebut adalah Dewan Komisaris lainya dan atau

person in charge of the orientation is the other Board of

Sekretaris Perusahaan.

Commissioners and/or Corporate Secretary.

Materi yang diberikan pada program orientasi meliputi hal-hal

The materials given in the orientation program covers the

sebagai berikut:

following:

1. Gambaran mengenai Bank Sinarmas berkaitan dengan

1. Description on Bank Sinarmas which relates to the

tujuan, sifat, lingkup kegiatan, kinerja keuangan dan

objective, nature, scope of activities, financial and

operasi, strategi, rencana usaha jangka pendek dan jangka

operational performances, strategies, short-term and long-


363



panjang, posisi kompetitif, risiko dan berbagai masalah strategis lainnya.



term business plan, competitive positions, risks, and other various strategic matters.

2. Pelaksanaan prinsip-prinsip GCG oleh Bank Sinarmas.

2. Implementation of GCG principles by Bank Sinarmas.

3. Pemahaman terhadap tugas dan tanggung jawab Dewan

3. Understanding on duties and responsibilities of Board of

Komisaris.

Commissioners.

4. Penjelasan yang berkaitan dengan kewenangan yang

4. Explanation related to the authority that has been

didelegasikan, audit internal dan eksternal, sistem dan

delegated, internal and external audit, system and policy

kebijakan pengendalian internal serta tugas dan peran

of internal control, as well as duties and roles of Audit

Komite Audit dan Komite-komite lain yang dibentuk oleh

Committee and other Committees established by the

Komisaris.

Commissioner.

5. Penjelasan mengenai kebijakan-kebijakan yang menunjang pelaksanaan tugas dan tanggung jawab Dewan Komisaris.

5. Explanation on policies supporting the implementation of the Board of Commissioners and Board of Directors.

Program Pelatihan Dewan Komisaris

Training Program of Board of Commissioners

Berdasarkan Surat Keputusan No.SK.001/2015/PRESKOM-

The Decree No. SK.001/2015/PRESKOMCorSec&CorComm

CorSec&CorComm tanggal 17 April 2015 tentang Pedoman

dated April 17, 2015 about Guidelines and Working Rules for

dan Tata Tertib Kerja Dewan Komisaris Bank Sinarmas

the Board of Commissioners of Bank Sinarmas point XIV about

point XIV tentang Peningkatan Kompetensi Dewan

Competence Improvement of the Board of Commissioners

Komisaris disebutkan bahwa Anggota Dewan Komisaris

states that members of the Board of Commissioners must

wajib melaksanakan/mengikuti pelatihan setiap tahunnya.

attend training programs every year. Referring to the

Merujuk Surat Keputusan Dewan Komisaris, maka dalam

Decree of the Board of Commissioners, in order to improve

rangka meningkatkan kompetensi yang sejalan dengan

competence in line with the development of the banking

perkembangan bisnis perbankan, adapun di tahun 2015,

business, in 2015, the Board of Commissioners has attended

Dewan Komisaris telah mengikuti beberapa seminar/pelatihan/

some seminars/trainings/workshops, inter alia:

workshop, antara lain : No

Tanggal / Dated

Training

Penyelenggara / Organizer

Tempat / Location

TJENDRAWATI WIDJAJA 1


2 3

364

Training 10 Elemen Transformasi

McKinsey

Sinarmas Land Plaza, Jakarta

24 Maret 2015 / March 24, 2015

Training LMS & Performance Dashboard

McKinsey


17 April 2015 / April 17, 2015

Overview of Indonesian capital Market

Sinarmas Sekuritas




No


Tanggal / Dated

4

11 November 2015 / November 11, 2015

5



Training


KOMISARIS PROFESSIONAL Governance of Risk

PT. Intipesan Pariwara Indonesian Institute For Corporate Directorship


Tempat / Location JW Marriot Hotel, Jakarta. Sinarmas Land Plaza, Jakarta

SAMMY KRISTAMULJANA 1

17 April 2015 / April 17, 2015

2


Overview of Indonesian capital Market Governance of Risk

Sinarmas Sekuritas


Indonesian Institute For Corporate Directorship


RUSMIN 1

17 April 2015 / April 17, 2015

2


Overview of Indonesian capital Market Governance of Risk

Sinarmas Sekuritas




KOMISARIS INDEPENDEN

INDEPENDENT COMMISSIONER

Kriteria Penentuan Komisaris Independen

Criteria to Appoint Independent Commissioner

Anggota Dewan Komisaris Bank Sinarmas telah memenuhi

The number of members of Bank Sinarmas’ Board of

jumlah, komposisi, kriteria dan independensi sesuai Peraturan

Commissioners is in line with the number, composition,

Bank Indonesia No.8/4/PBI/2006 jo. PBI No.8/14/PBI/2006

criteria, and independency as regulated in Bank Indonesia

Tentang Perubahan atas Peraturan Bank Indonesia No.8/4/

Regulation No.8/4/PBI/2006 and PBI No.8/14/PBI/2006 on

PBI/2006 Tentang Pelaksanaan GCG bagi Bank Umum serta

Changes in the Bank Indonesia Regulation No.8/4/PBI/2006

Surat Edaran Bank Indonesia No.15/15/DPNP/2013 tanggal 29

concerning GCG Implementation for Commercial Banks

April 2013 perihal Pelaksanaan Good Corporate Governance

and Circular Letter of Bank Indonesia No.15/15/DPNP/2013

bagi Bank Umum. Jumlah anggota Dewan Komisaris Bank

dated April 29, 2014 regarding the Implementation of Good

Sinarmas saat ini adalah 3 (tiga) orang, sebanyak 2 (dua)

Corporate Governance for Commercial Banks. The number

orang atau sebanyak 67% diantaranya merupakan Komisaris

of members of Bank Sinarmas’ Board of Commissioners is

Independen. Komposisi tersebut juga telah memenuhi

currently 3 (three) people, 2 (two) of them or 67% of them

peraturan yang ditetapkan oleh Regulator mengenai Komisaris

are Independent Commissioners. The composition has met

Independen.

the regulation enforced by the Regulator on Independent Commissioners.

Saat ini, Bank Sinarmas memiliki 2 (dua) anggota Komisaris

Currently, Bank Sinarmas has 2 (two) members of

Independen. Komisaris Independen merupakan anggota

Independent Commissioner. Independent Commissioner is a

Komisaris yang berasal dari luar Bank (tidak memiliki

member of Board of Commissioners who are not a member

hubungan afiliasi dengan perusahaan) yang dipilih secara

of the Bank (does not have affiliation with the company) and

transparan dan independen, memiliki integritas dan

are appointed transparently and independently, have the

kompetensi yang memadai, bebas dari pengaruh yang

integrity and proper competency, free from influence that

berhubungan dengan kepentingan pribadi atau pihak lain,

relates to personal or other parties’ interests, and able to work

serta dapat bertindak secara objektif dan independen dengan

objectively and independently by complying with the GCG

berpedoman pada prinsip-prinsip GCG.

principles.


365





Adapun kriteria penentuan Komisaris Independen adalah

The criteria to determine the Independent Commissioner are

sebagai berikut:

as follows:

a. Tidak memiliki hubungan keuangan, kepengurusan,

a. Not having financial, management, share ownership and/

kepemilikan saham dan/atau hubungan keluarga dengan

or family relationship with the other members of the Board

anggota Dewan Komisaris lainnya, Direksi dan/atau

of Commissioners, Board of Directors and/or controlling

pemegang saham pengendali atau hubungan dengan

shareholders or relationship with Bank sinarmas that can

Bank Sinarmas yang dapat mempengaruhi kemampuannya

affect its ability to act independently.

untuk bertindak independen. b. Tidak bekerja rangkap sebagai Direktur di perusahaan lainnya yang terafiliasi dengan Bank Sinarmas. c. Tidak bekerja di Bank Sinarmas atau afiliasinya dalam kurun waktu 3 (tiga) tahun terakhir. d. Tidak menjadi pemasok dan pelanggan signifikan atau

b. Not concurrently serving as Director at other companies affiliated with Bank Sinarmas. c. Not working at Bank Sinarmas or its affiliates within the past 3 (three) years. d. Not a major supplier and customer or serving as Director,

menduduki Direktur, Komisaris dan jabatan eksekutif

Commissioner, and executive offier at the supplier

perusahaan pemasok dan pelanggan signifikan dari Bank

company and major customer of Bank Sinarmas and its

Sinarmas atau perusahaan afiliasinya.

affiliates.

e. Bukan merupakan penasehat profesional Bank Sinarmas atau perusahaan lainnya yang satu kelompok industri

e. Not a professional advisor of Bank Sinarmas or other companies in the similar industry of Bank Sinarmas.

dengan Bank Sinarmas. f. Tidak mempunyai keterkaitan (ketergantungan/

f. Not having financial independency, both directly and

keterikatan) finansial, baik langsung maupun tidak

indirectly, with Bank Sinarmas or companies providing

langsung dengan Bank Sinarmas atau perusahaan yang

products and services to Bank Sinarmas and its affiliates.

menyediakan jasa dan produk kepada Bank Sinarmas dan afiliasinya. g. Tidak memiliki hubungan kontraktual dengan Bank Sinarmas atau perusahaan lainnya yang satu kelompok selain sebagai Komisaris perusahaan tersebut. h. Bebas dari kepentingan dan aktivitas bisnis atau hubungan

g. Not having contractual relationship with Bank Sinarmas or other companies in a similar industry as the Commissioner in the company. h. Free from the interest and business activities or other

lain yang dapat menghalangi atau mengganggu

relationships that may hamper or disrupt their ability to

kemampuannya untuk berpikir dan/atau bertindak secara

think and/or act independently.

independen. i. Mantan anggota Direksi atau pejabat eksekutif Bank

i. Ex-member of the Board of Directors or executive officer of

Sinarmas atau pihak-pihak yang mempunyai hubungan

Bank Sinarmas or other parties that have relationship with

dengan Bank Sinarmas, yang telah melewati masa

Bank Sinarmas, who have passed the cooling off period

tunggu atau cooling off selama satu tahun sejak yang

for a year since they stop serving, except ex-Director or

bersangkutan berhenti menjabat, kecuali mantan

executive officer who conducts supervisory function.

Direksi atau pejabat eksekutif yang melakukan fungsi pengawasan. Pernyataan tentang Independensi Masing-Masing

Statement on Independency of Each Independent


Commissioner

Sesuai dengan kriteria PBI No.8/14/2006, Komisaris

Pursuant to the criteria of PBI No.8/14/2006, Independent

Independen tidak memiliki hubungan keuangan,

Commissioner must not have financial, management, share

kepengurusan, kepemilikan saham dan/atau hubungan

ownership relationships and/or family relationship until the

keluarga sampai dengan derajat kedua dengan anggota

second degree with their fellow members of the Board

Dewan Komisaris lainnya, Direksi dan/atau pemegang

of Commissioners, Board of Directors, and/or controlling

saham pengendali atau hubungan dengan Bank yang dapat

shareholders or relationshp with the Bank, which can affect

mempengaruhi kemampuannya untuk bertindak independen.

their ability to act independently.

366





Tabel independensi masing-masing Komisaris Independen

Table of independency of each Independent Commissioner



No

Yes


Pemegang Saham / Shareholders

Direksi / Board of Directors No


Yes

Dewan Komisaris/ Board of Commissioners

No

Yes

No


No


No

Sammy Kristamuljana

x

x

x

x

x

x

Rusmin

x

x

x

x

x

x

DIREKSI

BOARD OF DIRECTORS

Direksi merupakan organ tata kelola yang berwenang dan

Board of Directors is the corporate governance organ that is

bertanggung jawab penuh atas pengurusan Perseroan untuk

fully authorized and responsible for managing the Company

kepentingan Perseroan, sesuai dengan maksud dan tujuan

based on the Company’s interest and in line with the purposes

Perseroan serta mewakili Perseroan, baik di dalam maupun

and objectives of the Company, and represents the Company,

di luar pengadilan sesuai dengan Anggaran Dasar. Dalam

inside and outside the court according to the Articles of

melaksanakan tugasnya, Direksi bertanggung jawab kepada

Association. In performing its duties, the Board of Directors

RUPS. Pertanggungjawaban Direksi kepada RUPS merupakan

is reponsible to the GMS. The accountability of the Board

perwujudan akuntabilitas pengelolaan perusahaan sesuai

of Directors to the GMS is the evidence of a responsible

dengan prinsip-prinsip GCG.

management of the Company according to the GCG principles. The Number, Composition, and Criteria of Board of

Jumlah, Komposisi, dan Kriteria Direksi

Directors Berdasarkan hasil RUPSLB yang diselenggarakan pada 24

Based on EGM results held on March 24, 2015, Mr. Soejanto

Maret 2015, diputuskan menyetujui pengangkatan Soejanto

Soetjijo and Mr. Frenky Tirtowijoyo Susilo were appointed

Soetjijo dan Frenky Tirtowijoyo Susilo sebagai Direktur

as the Company’s Director. Hence, the members of the

Perseroan. Dengan demikian, jumlah anggota Direksi

Company’s Board of Directors per December 31, 2015

Perseroan per 31 Desember 2015 berjumlah 8 (delapan) orang

consisted of 8 (eight) people, which was 1 (one) President

yang terdiri dari 1 (satu) Direktur Utama, 5 (lima) Direktur,

Director, 5 (five) Directors, and 2 (two) Independent Directors.

serta 2 (dua) Direktur Independen. Table of composition of Board of Directors

Tabel susunan Direksi

Persetujuan / Approval RUPS / GMS



Domisili / Domicile

Direktur Utama / President Director




Indonesia

Heru Agus Wuryanto

Direktur / Director




Indonesia

Salis Teguh Hartono

Direktur Independen / Independent Director




Indonesia

No

Nama / Name

1

Freenyan Liwang

2

3

Jabatan / Position


367



Persetujuan / Approval No

Nama / Name

Jabatan / Position



RUPS / GMS



Domisili / Domicile

4

Loa Johnny Mailoa

Direktur / Director


14 April 2010 / April 14, 2010


Indonesia

5

Halim

Direktur / Director


12 Maret 2012 / March 12, 2012


Indonesia

6

Hanafi Himawan



6 Mei 2013 / May 6, 2013


Indonesia

7

Soejanto Soetjijo

Direktur / Director

24 Maret 2015 (RUPSLB) / March 24, 2015 (EGM)



Indonesia

8

Frenky Tirtowijoyo Susilo

Direktur / Director

24 Maret 2015 (RUPSLB) / March 24, 2015 (EGM)

27 Januari 2015 / January 27, 2015


Indonesia

Dengan demikian jumlah, komposisi, dan kriteria Direksi

Therefore, the number, composition, and criteria of the

Perseroan telah sesuai dengan aturan internal maupun

Company’s Board of Directors has met the internal and

eksternal, antara lain sebagai berikut:

external regulations, among others:

• Direksi diketuai oleh Direktur Utama.

• Board of Directors is chaired by the President Director

• Seluruh anggota Direksi berdomisili di Indonesia.

• All members of the Board of Directors domicile in Indonesia.

• Anggota Direksi berjumlah 8 (delapan) orang, melebihi dari jumlah Dewan Komisaris. • Pengangkatan Direksi dilakukan atas usul Komite

• Board of Directors consists of 8 (eight) people, exceeding the number of the Board of Commissioners. • Appointment of Board of Directors is conducted by

Remunerasi dan Nominasi sebelum dilakukan persetujuan

considering the recommendation from the Remuneration

dalam RUPS.

and Nomination Committee prior to the approval from the GMS.

• Seluruh anggota Direksi telah lulus Fit and Proper Test

• All members of the Board of Directors have passed fit

yang dilakukan oleh Bank Indonesia dan Otoritas Jasa

and proper test conducted by the Bank of Indonesia and

Keuangan.

Financial Services Authority.

Tugas dan Tanggung jawab


Berdasarkan ketentuan dalam Anggaran Dasar, keputusan

Referring to the provisions of Articles of Association, GMS

RUPS, dan hukum yang berlaku di Indonesia khususnya dalam

decisions and prevailing laws in Indonesia, particularly in the

bidang perbankan, tugas dan tanggung jawab Direksi secara

areas of banking, duties and responsibilities of the Board of

umum adalah sebagai berikut:

Directors in general are as follows:

1. Melaksanakan sebaik-baiknya tugas dan tanggung jawab

1. Carrying out duties and responsibilities as mandated by

Direksi sebagaimana diamanatkan dalam peraturan

the laws and regulations;

perundang-undangan; 2. Melaksanakan sebaik-baiknya kewajibannya sebagaimana

2. Carrying out the obligations as set out in the Board

diatur dalam Board Manual beserta perubahannya dan

Manual and its amendments and the Decree of the Board

Surat Keputusan Direksi ini beserta perubahannya;

of Directors and its amendments;

368




3. Merumuskan, menyusun, mensosialisasikan, dan



3. Formulating, organizing, disseminating, and evaluating the

mengevaluasi visi, misi, etos kerja, dan nilai perusahaan;

vision, mission, work ethos, and the value of the company.

4. Seluruh kebijakan tertulis Perusahaan baik dalam bentuk

4. The whole written policy of the Company both in the form

surat keputusan (“SK”) maupun surat edaran (“SE”)

of a Decree or Circular Letter shall be approved and signed

wajib disetujui dan ditandatangani oleh anggota Direksi

by the members of the Board of Directors in accordance

sesuai dengan ketentuan internal perseroan beserta

with the internal regulations of the Company and its

perubahannya;

amendment.

5. Pengalihan tugas sementara anggota Direksi dapat

5. Temporary duty shift for the Board of Directors may be

dilakukan dengan ketentuan :

carried out with the following provisions:

a) Apabila Direktur Utama cuti atau berhalangan hadir

a) If the President Director is on leave or unable to attend,

maka tugas-tugas Direktur Utama dilaksanakan

the duties of the President Director are jointly carried

secara bersama-sama oleh 2 (dua) orang Direktur

out by 2 (two) other directors as stipulated in the

lainnya sebagaimana diatur dalam Anggaran Dasar

Company’s Articles of Association.

Perusahaan; b) Direktur lainnya sebagaimana dijelaskan dalam huruf

b) The other Director, as explained in point (a), is an

(a) merupakan Direktur Alternate adalah Direktur

alternate director, who accepts the temporary duty

yang menerima pengalihan tugas sementara Direktur

shift due to leave/inability to attend for any causes that

dikarenakan cuti/berhalangan hadir oleh sebab apapun

do not have to be proved to third parties contained in

yang tidak perlu dibuktikan kepada pihak ketiga yang

the Decree about Codes of Conduct for the Board of

tertuang dalam Surat Keputusan tentang Pedoman

Directors;

Tata Tertib Direksi; c) Selain Direktur Alternate juga terdapat piket

c) In addition to alternate director, there is also a daily

harian Direksi yang mana masing-masing Direktur

picket for the Board of Directors in which each

tertentu harus selalu berada di kantor pada hari-hari

particular director should be in office on certain days

tertentu sesuai dengan jadwal yang telah disepakati

according to the agreed schedule as stated in the

sebagaimana tertuang dalam Surat Keputusan

Decree No.SK.005/2015/PRESDIR-CorSec on Codes

No.SK.005/2015/PRESDIR-CorSec tentang Pedoman

of Conduct for The Board of Directors dated April 1,

Tata Tertib Direksi tertanggal 1 April 2015.

2015.

6. Direksi wajib menerapkan prinsip-prinsip Good Corporate

6. Implementing GCG principles as set out in Bank Indonesia

Governance sebagaimana diatur dalam Peraturan Bank

Regulation No. 8/4/PBI/2006 dated January 30, 2006

Indonesia No. 8/4/PBI/2006 tertanggal 30 Januari 2006

regarding GCG Implementation which has been amended

tentang Pelaksanaan Good Corporate Governance jo.

to Bank Indonesia Regulation No. 8/14/PBI/2006 dated

Peraturan Bank Indonesia No. 8/14/PBI/2006 tertanggal

October 5, 2006 in each banking activity at all levels of the

5 Oktober 2006, dalam setiap kegiatan usaha Bank pada

organization;

seluruh tingkatan atau jenjang organisasi; 7. Mengoptimalkan pemanfaatan seluruh sumber daya yang dimiliki secara efektif dan efisien untuk pengembangan

7. Making the most of the available resources effectively and efficiently for the development of the Company;

Perusahaan; 8. Membina dan menjaga hubungan baik dengan seluruh

8. Building and maintaining good relations with all parties

pihak yang terkait dengan Bank (Stakeholders) diantaranya

related to the Bank (stakeholders), such as shareholders,

pemegang saham, Regulator bidang perbankan, Regulator

banking regulators, capital market regulators,

pasar modal, instansi pemerintah, nasabah, mitra usaha,

governmental instances, business partners, the society, etc;

masyarakat, dll; 9. Memiliki dan mematuhi pedoman tata tertib kerja dan

9. Having and complying with the work rules and Key

pedoman Key Performance Indicator (KPI) sehingga

Performance Indicator (KPI) guidelines to enable a focused

pelaksanaan tugasnya dapat terarah dan efektif serta

and effective task performance, and to function as a

dapat digunakan sebagai salah satu alat penilaian kinerja;

performance assessment tool;


369



10. Melaksanakan setiap hasil keputusan rapat dengan



10. Carrying out every meeting decision by referring to the

mengacu kepada anggaran dasar dan pedoman tata tertib

Company’s Articles of Association and Board Charter of

kerja Direksi antara lain:

the Board of Directors, inter alia:

a) Rapat dipimpin oleh Direktur Utama (primus inter

a) The meetings are chaired by the President Director

pares), dalam hal Direktur Utama berhalangan hadir

(primus inter pares), in case the President Director

maka dipilih oleh dan dari salah satu anggota Direksi

is unable to attend, one member of the Board of

yang hadir untuk memimpin rapat;

Directors present to lead the meeting.

b) Rapat adalah sah dan berhak mengambil keputusan

b) The meetings are legal and have rights to take a

yang mengikat apabila dihadiri lebih dari ½ (satu per

bounding decision if attended by more than ½ (one

dua) bagian dari jumlah anggota Direksi hadir atau

half) part of the number of members of the Board of

diwakili dalam rapat;

Directors present or represented in the meeting;

c) Dalam hal tidak tercapai musyawarah mufakat,

c) In the case of no consensus is reached, decision-

pengambilan keputusan dilakukan berdasarkan suara

making is done by a majority vote, provided that the

terbanyak, dengan ketentuan jumlah suara paling

least number of votes more than ½ (one half) of the

sedikit lebih dari ½ (satu per dua) bagian dari jumlah

total votes cast at the meeting;

suara yang dikeluarkan dalam rapat; d) Apabila pada saat pemungutan suara terbanyak

d) If the majority vote results the same comparison, the

diperoleh hasil perbandingan yang sama maka hak

voting rights owned by the chairman will determine

suara yang dimiliki pimpinan rapat akan menentukan

the outcome of the decision.

hasil keputusan tersebut. 11. Mengatur dan menetapkan struktur organisasi,

11. Managing and establishing the organizational structure,

pendelegasian wewenang dan uraian tugas yang jelas

delegation of authority and clear job descriptions for each

bagi setiap pejabat maupun pegawai, baik di kantor pusat

officer or employee, both at the head office and branches.

maupun di kantor-kantor cabang; 12. Menyusun dan melaksanakan sistem manajemen risiko mencakup seluruh aspek kegiatan Perusahaan.

12. Preparing and implementing a risk management system covering all aspects of the Company’s activities.

Pembagian Ruang Lingkup Tugas dan Tanggung Jawab

Scope of Duties and Responsibilities of Each Member of

Masing-Masing Anggota Direksi

Board of Directors

Berdasarkan Surat Keputusan SK.007a/2015/PRESDIR-CorSec

Based on Decree SK.007a/2015/PRESDIR-CorSec dated 1 April

tertanggal 1 April 2015, ruang lingkup tugas dan tanggung

2015, the scope of duties and responsibilities of each member

jawab masing-masing anggota Direksi adalah sebagai berikut:

of the Board of Directors is as follows:

Freenyan Liwang - Direktur Utama / President Director

1. Koordinator kegiatan Direksi yang secara garis besar

1. Coordinator of the Board of Directors’ activities, which

adalah :

generally cover the following:

a. Mengkoordinasikan seluruh kegiatan Anggota

a. Coordinating all of the Board of Directors members’

Direksi guna meningkatkan efisiensi kerja dengan memperhatikan span of control; b. Mengkoordinasikan perumusan dan penyusunan

370

activities to improve the working efficiency by paying attention to the span of control; b. Coordinating the formulation and preparation of the

strategi perusahaan baik jangka panjang (Corporate

Company’s strategis, both long-term (Corporate Plan)

Plan) maupun jangka menengah/pendek (Rencana

and medium-term/short-term (Business Plan (RBB)) and

Bisnis Bank (RBB)) serta mengusulkannya guna

proposing it to obtain the approval of the Board of

mendapatkan persetujuan dari Dewan Komisaris;

Commissioners;




c. Melaksanakan, mengawasi, dan mengevaluasi jalannya



c. Implementing, supervising, and evaluating the

Corporate Plan & RBB agar sesuai dengan visi, misi,

implementation of Corporate Plan & RBB in accordance

dan objektif Perusahaan yang telah ditetapkan;

with the vision, mission, and objectives of the Company that have been set;

d. Mengkoordinasikan perumusan dan pelaksanaan

d. Coordinating the formulation and implementation of

strategi program Corporate Social Responsibility yang

Corporate Social Responsibility strategies that support

menunjang kegiatan bisnis perusahaan;

the company’s business activities;

e. Memiliki kewenangan untuk memutuskan besarnya

e. Having the authority to determine the amount of

gaji atau remunerasi kepada karyawan dan/atau

salary or remuneration to the employees and/or

pejabat eksekutif unit kerja dibawahnya dengan

executive officers under it by paying attention to

memperhatikan rekomendasi Direktur Human Capital

recommendations from the Director of Human Capital.

(HC). 2. Membawahi langsung unit kerja Audit Intern Work Unit

2. Directly supervising the work units, such as Internal

(Satuan Kerja Audit Intern (SKAI)), Global Trade Services/

Audit Unit, Global Trade Services, Financial Planning &

Financial Institution, Financial Planning & Performance

Controlling, Strategic & Performance Management, as well

Management, Corporate Secretary & Legal serta Divisi Anti

as the Regional Manager and Thamrin Branch Manager,

Fraud yang secara garis besar adalah:

the activities of which are generally as follows:

a. Melaksanakan fungsi pengendalian internal melalui

a. a. Carrying out internal control functions through the

SKAI; b. Menetapkan, mengawasi dan mengevaluasi realisasi rencana audit internal. c. Melakukan pengembangan terhadap Global Trade Services/Financial Institution. d. Menetapkan, mengawasi dan mereview penerapan

Internal Audit Unit; b. Establishing, monitoring and evaluating the realization of the internal audit plan; c. Conducting the development of Global Trade Services/ Financial Institution; d. Establishing, supervising and reviewing the

kebijakan anti fraud (LED, FDS dan Mantis

implementation of anti-fraud policies (LED, FDS,

Complaint Handling) dalam memitigasi risiko melalui

and Mantis Complaint Handling) in mitigating risks

whistleblower sistem baik serta implementasi Strategi

through whistleblower system and anti-fraud strategy

Anti Fraud; e. Mengkaji dan mengevaluasi (memastikan) secara

implementation; e. Routinely assessing and evaluating (ensuring) all

berkala semua kebijakan dan peraturan internal

internal policies and rules of the Bank, subsequently

Bank, selanjutnya memberikan usulan dalam rangka

providing proposals for its improvement, adjustment,

perbaikan, penyesuaian dan penyempurnaannya; f. Mengarahkan, mengawasi dan mengelola kegiatan yang berkaitan dengan fungsi sekretaris perusahaan; g. Melakukan koordinasi untuk memastikan bahwa

and perfecting; f. Directing, supervising, and managing activities related to the functions of a Corporate Secretary; g. Carrying out coordination to ensure that the

seluruh kewajiban pelaporan perusahaan telah

Company’s reporting obligation has been submitted to

disampaikan kepada otoritas dan/atau pihak-pihak

the authorities and/or interested parties such as Bank

yang berkepentingan seperti Bank Indonesia, Otoritas

Indonesia, the Financial Services Authority, Indonesia

Jasa Keuangan, Bursa Efek Indonesia, Dewan

Stock Exchange, the Board of Commissioners,

Komisaris, Pemegang Saham, dll; h. Melaporkan pelaksanaan tugas dan tanggung

Shareholders, etc; h. Reporting its implementation of duties and

jawabnya kepada Regulator dengan tembusan kepada

responsibilities to regulators with a copy to the Board

Dewan Komisaris;

of Commissioners;

i. Mengikuti dan memastikan seluruh ketentuan/

i. Following and ensuring all prevailing provisions/

peraturan perundang-undangan yang berlaku,

legislations, regulations issued by Bank Indonesia, and

peraturan yang dikeluarkan oleh Bank Indonesia serta

other agreements that have been made are complied

perjanjian-perjanjian yang pernah dibuat telah dipatuhi

and practiced properly;

dan dijalankan dengan baik dan benar;


371



j. Melakukan pengawasan atas bidang hukum



j. Conducting legal supervision that covers legal opinions

yang meliputi pendapat hukum yang dikeluarkan,

issued, legal problems of the Company, written

permasalahan hukum perusahaan, dokumen-dokumen

documents or agreements related to the Company;

tertulis atau perjanjian yang terkait dengan Perseroan; k. Melakukan pengawasan dan evaluasi terhadap kinerja

k. Conducting supervision and evaluation on the

unit kerja dibawahnya.

performance of working units below it. .

Heru Agus Wuryanto - Direktur Syariah / Sharia Director

1. Ruang lingkup tugas dan tanggung jawabnya meliputi: a. Bersama-sama anggota Direksi lainnya meningkatkan efisiensi kerja dengan memperhatikan span of control.

1. The scope of its duties and responsibilities includes: a. Along with the other members of the Board of Directors, improving work efficiency by paying attention to the span of control.

b. Bersama-sama anggota Direksi lainnya dan

b. Along with the other members of the Board of

penyusunan strategi perusahaan baik jangka panjang

Directors, preparing the Company’s strategies, both

(Corporate Plan) maupun jangka menengah/pendek

long-term (Corporate Plan) and medium-term/short-

(Rencana Bisnis Bank (RBB)) serta mengusulkannya

term (Business Plan (RBB)) and proposing it to obtain

guna mendapatkan persetujuan dari Dewan Komisaris. c. Melaksanakan, mengawasi, dan mengevaluasi jalannya

the approval of the Board of Commissioners; c. Implementing, monitoring, and evaluating the



dan objektif Perusahaan yang telah ditetapkan.


d. Bersama-sama anggota Direksi lainnya perumusan

d. Along with the other members of the Board of

dan pelaksanaan strategi program Corporate Social

Directors, formulating and implementing the

Responsibility yang menunjang kegiatan bisnis


perusahaan. e. Memiliki hak untuk merekomendasikan besarnya gaji

the company’s business activities; e. Having the authority to determine the amount of salary

atau remunerasi kepada karyawan dan/atau pejabat

or remuneration to the employees and/or executive

eksekutif unit kerja dibawahnya dengan persetujuan

officers under it by approval of the Director of Human

Direktur Human Capital (HC) dan Direktur Utama.

Capital and the President Director.

2. Membawahi langsung Unit Usaha Syariah yang secara

2. Directly supervising Sharia Business Unit, the activities of

garis besar adalah:

which are generally as follows:

a. Mengatur dan mengawasi seluruh kegiatan Kantor

a. Coordinating and monitoring all activities of sharia

Cabang (KC) syariah. b. Mengawasi dan memastikan pelaksanaan fungsi

branch offices. b. Supervising and ensuring the implementation of

Treasury dalam rangka pengeloalaan dan penempatan

Treasury function in the management and fund

dana yang bersumber dari KC Syariah.

placement derived from Sharia branch offices.

c. Mengawasi dan memastikan penyusunan Laporan Keuangan Konsolidasi dari KC Syariah.

c. Supervising and ensuring the preparation of the Consolidated Financial Statements of Sharia branch offices.

d. Menetapkan, mengawasi, dan mengevaluasi secara

d. Establishing, supervising, and evaluating periodically

berkala terhadap mekanisme penghimpunan dan

the mechanism of collection and distribution of funds

penyaluran dana serta pelayanan jasa Bank sesuai

and bank services in accordance with Sharia principles.

dengan Prinsip Syariah. e. Bertanggung jawab terhadap pemenuhan Prinsip Syariah dalam hal operasional dan produk yang

e. Responsible for compliance with Sharia principles in its operations and products issued.

dikeluarkan;

372




f. Mengawasi penerbitan Surat Edaran nisbah bagi hasil setiap bulannya. g. Mengikuti rapat koordinasi dengan Asset & Liabilities Committee (ALCO) Syariah setiap bulan. h. Melakukan pengawasan dan evaluasi terhadap kinerja unit kerja di bawahnya.



f. Supervising the issuance of Circular Letter on profit sharing every month. g. Attending a coordination meeting with the Sharia Assets & Liabilities Committee (ALCO) every month; h. Monitoring and evaluating the performance of work units under it.

Salis Teguh Hartono - Direktur Compliance / Compliance Director

1. Ruang lingkup tugas dan tanggung jawabnya meliputi:

1. The scope of its duties and responsibilities includes:

a. Bersama-sama anggota Direksi lainnya meningkatkan

a. Along with the other members of the Board of

efisiensi kerja dengan memperhatikan span of control.

Directors, improving work efficiency by paying attention to the span of control.







(RBB) serta mengusulkannya guna mendapatkan

term (RBB) and proposing it to obtain the approval of

persetujuan dari Dewan Komisaris. c. Melaksanakan, mengawasi, dan mengevaluasi jalannya

the Board of Commissioners; c. Implementing, monitoring, and evaluating the











perusahaan; e. Memiliki hak untuk merekomendasikan besarnya gaji








2. Membawahi langsung unit kerja Compliance dan unit

2. Directly supervising the Compliance and UKPN work units

kerja UKPN yang secara garis besar adalah:


a. Merumuskan strategi guna mendorong terciptanya

a. Formulating strategies to encourage compliance with

budaya kepatuhan Bank; b. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip kepatuhan yang akan ditetapkan oleh Direksi; c. Menetapkan sistem dan prosedur kepatuhan yang

the Bank’s culture; b. Proposing compliance policy or principles that will be determined by the Board of Directors; c. Determining compliance system and procedure that

akan digunakan untuk menyusun ketentuan dan

will be used to develop provisions and guidelines of the

pedoman internal Bank;

Bank’s internal guidelines;

d. Memastikan bahwa seluruh kebijakan, ketentuan

d. Ensuring that all policies, provisions of system and

sistem dan prosedur serta kegiatan usaha yang

procedure as well as business activities conducted by

dilakukan Bank telah sesuai dengan ketentuan

the Bank has been in line with the provision of the

regulator dan perundang-undangan yang berlaku

regulator and laws and regulations in force, including

termasuk prinsip syariah bagi Unit Usaha Syariah;

sharia principles for Sharia Business Unit;


373





e. Meminimalkan risiko kepatuhan Bank;

e. Minimizing Bank’s compliance risk;

f. Melakukan tindakan pencegahan agar kebijakan

f. Performing prevention action so that the policy and/

dan/atau keputusan yang diambil Direksi Bank tidak

or decision taken by the Bank’s Board of Directors does

menyimpang dari ketentuan regulator dan peraturan

not deviate from the provision of the regulator and the

perundang-undangan yang berlaku;

applicable laws and regulations;

g. Melakukan pengawasan dan evaluasi terhadap kinerja unit kerja di bawahnya.

g. Supervising and evaluating the performance of the work unit under it.

Loa Johnny Mailoa - Direktur Enterprise Banking / Enterprise Banking Director

1. Ruang lingkup tugas dan tanggung jawabnya meliputi: a. Bersama-sama anggota Direksi lainnya meningkatkan efisiensi kerja dengan memperhatikan span of control.

1. The scope of its duties and responsibilities includes: a. Along with the other members of the Board of Directors, improving work efficiency by paying attention to the span of control.







RBB) serta mengusulkannya guna mendapatkan

term (RBB) and proposing it to obtain the approval of

persetujuan dari Dewan Komisaris.

the Board of Commissioners;


c. Implementing, monitoring, and evaluating the





d. Bersama-sama Anggota Direksi lainnya perumusan






perusahaan;


e. Memiliki hak untuk merekomendasikan besarnya gaji

e. Having the authority to determine the amount of salary




officers under it with approval of the Director of


Human Capital and the President Director.

2. Membawahi langsung unit kerja Treasury, Corporate Retail

2. Directly supervising work units such as Treasury, Corporate

Acquisition, dan Credit Analyst yang secara garis besar

Retail Acquisition, and Credit Analyst, the activities of

adalah:


a. Bertanggung jawab atas budget dan target profit

a. Responsible for budget and profit targets of Treasury;

Treasury; b. Mengawasi Fixed Income Trading Desk (Bond Trading);

b. Supervising Fixed Income Trading Desk (Bond Trading);

c. Mengawasi Derivative dan Struktur Product Desk

c. Supervising Derivatives and Product Desk Structure

(Investment Portfolio); d. Bertanggung jawab atas pengawasan pelaksanaan settlement di Treasury dan laporan-laporannya; e. Menetapkan, mengawasi, dan mengevaluasi strategi peningkatan volume transaksi jual beli valuta asing;

(Investment Portfolio); d. Responsible for supervising the implementation of settlement in the Treasury and its reports; e. Establishing, supervising, and evaluating the strategy of increasing the volume of buying and selling foreign currencies;

374






f. Bertanggung jawab terhadap pengelolaan perkreditan

f. Responsible for the overall management of the Bank’s

Bank secara keseluruhan yang meliputi penetapan

credit that includes the establishment of policies,

kebijakan, strategi dan pengelolaan administrasi dan

strategies and administrative management and credit

pengawasan kredit;

control;

g. Menyetujui penyediaan fasilitas kredit dan fasilitas non

g. Approving the provision of credit facilities and non-

kredit sebagaimana diatur dalam Surat Keputusan

credit facilities as stipulated in the Decree of the Board

Direksi tentang Batas dan Wewenang Memutus Kredit;

of Directors on Limit and Authority to Cancel Credit;

h. Merencanakan, mengembangkan, mengendalikan

h. Planning, developing, controlling and conducting

dan melakukan langkah-langkah perbaikan atas

corrective actions to improve various weaknesses and

berbagai kelemahan maupun penyimpangan kegiatan

violation in lending activities;

perkreditan; i. Menetapkan strategi, mengawasi, dan mengevaluasi pengendalian Non Performing Loan (NPL); j. Melakukan pengawasan dan evaluasi terhadap kinerja unit kerja dibawahnya.

i. Establishing strategies, supervising, and evaluating the control of non-performing loan (NPL); j. Supervising and evaluating the performance of the work unit under it.

Halim - Direktur Operasional / Director of Operations



a. Bersama-sama Anggota Direksi lainnya meningkatkan


efisiensi kerja dengan memperhatikan span of control;








RBB serta mengusulkannya guna mendapatkan

term RBB and proposing it to obtain the approval of

persetujuan dari Dewan Komisaris;














perusahaan;


e. Memiliki hak untuk merekomendasikan besarnya gaji

e. Having the authority to determine the amount of salary







2. Membawahi langsung unit kerja Liabilities Product

2. Directly supervising work units such as Liabilities Product

Development, Wealth Management, Bancassurance

Development, Wealth Management, Bancassurance

& Agency, Loan Recovery dan Capital Market Service

& Agency, Loan Recovery, and Capital Market Service

Department yang secara garis besar adalah:

Department which are generally as follows:

a. Melakukan pengawasan atau memastikan bahwa

a. Supervising or ensuring coordination between internal

koordinasi antara pihak internal maupun eksternal

and external parties regarding product development;

terkait pengembangan produk;


375



b. Memberikan arahan strategis dalam bidang pemasaran dan pengembangan produk; c. Bertanggung jawab dalam pengembangan produk



b. Providing strategic directives in marketing and product development; c. Being responsible in competitive and innovative

perbankan yang kompetitif dan inovatif dengan

development of banking products by achieving profit

mencapai sasaran profit yang ditetapkan perseroan;

target determined by the Company;

d. Bertanggung jawab atas pendapatan fee based

d. Being responsible on fee based income;

income; e. Melakukan pengawasan dan evaluasi terhadap kinerja unit kerja dibawahnya; f. Bertanggung jawab atas penerimaan dan penyerahan

e. Supervising and evaluating the performance of working units under it; f. Being responsible on receipt and submission

efek, penyimpanan dan pengamanan efek,

of securities, storage and security of securities,

penerimaan hak nasabah yang melekat pada efek,

acceptance of customers’ right attached to securities,

serta penadministrasian yang berkaitan dengan

and administration related to securities ownership;

kepemilikan efek; g. Bertanggung jawab terhadap surat hutang serta

g. Being responsible on payables’ securities and

memantau pelaksanaan kewajiban emiten sesuai

monitoring the implementation of issuers’ obligations

perjanjian;

in accordance with the agreement;

h. bertanggung jawab terhadap penanganan kredit

h. Being responsible for handling problem loans.

bermasalah.

Hanafi Himawan - Direktur Risk Management & Human Capital / Risk Management & Human Capital Director



a. Bersama-sama anggota Direksi lainnya meningkatkan












persetujuan dari Dewan Komisaris. c. Melaksanakan, mengawasi, dan mengevaluasi jalannya

the Board of Commissioners; c. Implementing, monitoring, and evaluating the





d. Bersama-sama anggota Direksi lainnya perumusan dan pelaksanaan strategi program Corporate Social





376






officers under it by the approval of the Director of






2. Membawahi langsung unit kerja Risk Management,



2. Directly supervising work units such as Risk Management,

Human Capital Recruitment & Administration Support,

Human Capital Recruitment & Administration Support,

Human Capital System & Strategic dan General Affairs

Human Capital System & Strategic and General Affairs, the

yang secara garis besar adalah:

activities of which are generally as follows:

a. Menetapkan, mengawasi, dan mengevaluasi kebijakan

a. Establishing, supervising, and evaluating the risk

manajemen risiko dan implikasinya bagi perseroan;

management policy and its implications for the company;

b. Menerapkan manajemen risiko dengan baik melalui Komite Manajemen Risiko dan Satuan Kerja

b. Implementing risk management through the Risk Management Committee and Risk Management Unit;

Manajemen Risiko (SKMR); c. Memastikan bahwa fungsi Manajemen Risiko telah diterapkan secara independen; d. Menetapkan, mengawasi, dan memastikan

c. Ensuring that the risk management function has been implemented independently; d Establishing, supervising and ensuring the appropriate,

terlaksananya hubungan industrial secara tepat,

proper, and accurate implementation of industrial

benar dan akurat sesuai ketentuan ketenagakerjaan,

relations in accordance with the prevailing manpower

peraturan & kebijakan perusahaan, serta best practice

regulations, corporate rules and polices, and the

yang berlaku;

prevailing best practices;

e. Mengarahkan, menetapkan, dan mengawasi kegiatan pengembangan sumber daya manusia (Human

e. Directing, establishing, and supervising the activities of Human Capital development;

Capital); f. Mengawasi dan memastikan seluruh aset tetap dan

f. Supervising and ensuring good condition of all fixed

bergerak sebagaimana telah diadministrasikan oleh

and mobile assets, as administered by the related work

unit kerja terkait;

units;

g. Mengawasi dan memastikan persiapan gedung/

g. Ensuring the good condition of buildings/rooms and

ruangan dan perlengkapan lainnya bagi cabang/unit

other supplies for the branch offices/KPNO work unit,

kerja KPNO termasuk pemeliharaan dan perbaikan

including building maintenance and renovation.

gedung; h. Mengawasi kegiatan koordinasi dalam pengurusan

h. Supervising the coordination activities of permit

perijinan pada kantor pemerintah daerah, kecamatan,

application to the local government, local agency at

kelurahan, kabupaten dan/atau instansi atau pihak

the district, sub-district, regency, and/or other agencies

ketiga lainnya.

or third parties;

i. Melakukan pengawasan dan evaluasi terhadap kinerja unit kerja dibawahnya.

i. Supervising and evaluating the performance of work units under it.

Soejanto Soetjijo - Direktur Retail Banking / Retail Banking Director















persetujuan dari Dewan Komisaris.



377

























2. Membawahi langsung unit kerja Retail Business, Sales &

2. Directly supervising work units such as Retail Business,

Distribution, Micro Small Business, Card Center, Digital

Sales & Distribution, Micro Small Business, Card Center,

Banking serta Branch Network Development yang secara

Digital Banking and Branch Network Development which

garis besar adalah:

are generally as follows:

a. Bertanggung jawab terhadap pelaksanaan Sales &

a. Being responsible to sales and distribution in branch

Distribution pada Kantor-Kantor Cabang; b. Merancang strategi Sales & Distribution guna meningkatkan performance dan pencapaian target

offices; b. Designing sales and distribution strategy to improve performance and target achievement of branch offices;

pada Kantor-Kantor cabang; c. Melakukan perekrutan, pembinaan, dan pengadaan Credit Card & Merchant Business; d. Melakukan pengawasan dan mengarahkan kegiatan operasional kartu kredit; e. Mengawasi dan mengarahkan akuisisi kartu kredit melalui marketing channel; f. Menetapkan dan mengawasi strategi pendeteksian dini untuk meminimalisir penipuan kartu kredit; g. Melakukan perekrutan, pembinaan, dan pengadaan Credit Card & Merchant Business; h. Bertanggung jawab atas pendapatan fee based

c. Recruiting, training, and provision of credit card and merchant business; d. Supervising and directing operational activities of credit cards; e. Supervising and directing acquisition of credit card through marketing channel; f. Determining and supervising early detection strategy to minimize credit card frauds; g. Recruiting, training, and provision of credit card and merchant business; h. Being responsible on fee based income;

income; i. Bertanggung jawab dalam pelaksanaan dan pengajuan

of the license for opening a network of offices in

rencana kerja manajemen maupun dengan Peraturan

accordance with the management’s work plan and

Otoritas Jasa Keuangan;

Regulation of Financial Services Authority;

j. Melakukan pengawasan dan evaluasi terhadap kinerja unit kerja dibawahnya.

378

i. Being responsible for the implementation and filing

izin pembukaan jaringan kantor berdasarkan dengan

j. Supervising and evaluating the performance of work units under it.






Frenky Tirtowijoyo Susilo - Direktur Operasional dan Teknologi Informasi / Operational & Information Technology Director













(Rencana Bisnis Bank (RBB)) serta mengusulkannya

term (Business Plan (RBB)) and proposing it to obtain

guna mendapatkan persetujuan dari Dewan Komisaris. c. Melaksanakan, mengawasi, dan mengevaluasi jalannya

the approval of the Board of Commissioners; c. Implementing, monitoring, and evaluating the





d. Bersama-sama Anggota Direksi lainnya perumusan














2. Membawahi langsung unit kerja Information Technology,

2. Directly supervising work units such as Information

Operations, Accounting, Electronic Channel Operations,

Technology, Operations, Accounting, Electronic Channel

Credit Administration & Control, Business Continuity

Operations, Credit Administration & Control, Business

Management serta Procurement yang secara garis besar

Continuity Management and Procurement which are

adalah :

generally as follows:

a. Menetapkan, mengawasi dan mengevaluasi realisasi

a. Establishing, monitoring and evaluating the realization

rencana pengembangan jaringan teknologi informasi; b. Menetapkan kebijakan dan prosedur terkait penyelenggaraan teknologi informasi yang memadai

of development plan of information technology networks; b. Establishing policies and procedures related to the

dan mensosialisasikannya secara efektif, baik pada

implementation of adequate information technology

satuan kerja penyelenggara maupun pengguna

and disseminating effectively, both in providers’

teknologi informasi yang bersangkutan;

working unit and users of information technology concerned;

c. Merencanakan, mengarahkan dan mengkoordinasikan kegiatan Service Quality serta mendukung terciptanya efisiensi dan efektivitas Service Quality; d. Menetapkan dan mengawasi penerapan kebijakan yang terkait dengan efisiensi; e. Memberikan tanggapan dan tindak lanjut hasil

c. Planning, directing and coordinating the Service Quality activities and support the establishment of efficiency and effectiveness of Service Quality; d. Establishing and supervising the implementation of policies related to efficiency; e. Providing opinion and follow-ups on internal (SKAI)

pemeriksaan intern (SKAI) dan ekstern (Otoritas Jasa

and external (Financial Services Authority and Public

Keuangan dan Akuntan Publik) terhadap sistem

Accountant) examination on the financial information

informasi keuangan;

system;


379





f. Bertanggung jawab terhadap kegiatan operasional

f. Being responsible to the Bank’s operational activities,

Bank, baik di Kantor Pusat maupun di Kantor Cabang

both in the Headquarter or branch offices that have

yang telah berjalan dengan baik dan lancar, taat azas,

run well and smoothly, obeying principles, accurate,

akurat, sesuai kebijakan dan ketentuan yang telah

and in accordance with the determined policies

ditetapkan serta peraturan perundang-undangan yang

and provisions as well as applicable legislations in

berlaku di Indonesia;

Indonesia;

g. Bertanggung jawab terhadap pelaksanaan pembayaran

g. Being responsible to payment of motor vehicles,

pajak kendaraan bermotor, reklame, tanah dan

billboards, lands and buildings in a timely manner;

bangunan secara tepat waktu; h. Providing guidance and supervising all Loan

h. Melakukan pembinaan dan mengawasi seluruh kegiatan Loan Administration di Kantor Cabang,

Administration activities in Branch Offices in order

guna memastikan telah dikelolanya administrasi kredit

to ensure that branch credit administration has been

cabang sesuai dengan prosedur/ketentuan Bank;

conducted in accordance with procedures/provisions of the Bank;

i. Melakukan pembinaan terhadap Loan Administration

i. Providing guidance on Branch Office Loan

Kantor Cabang dalam melakukan pengawasan

Administration in supervising credit extension

dokumen perpanjangan kredit, jaminan dan asuransi

documents, guarantees and insurance that will be due;

yang akan jatuh tempo; j. Ensuring the customer service to run in accordance

j. Memastikan pelayanan nasabah berjalan sesuai

with prevailing provisions and procedures;

ketentuan dan prosedur yang berlaku;

k. Conducting supervision and evaluation on the

k. Melakukan pengawasan dan evaluasi terhadap kinerja

performance of working units under it.

unit kerja dibawahnya.

l. Being responsible to the process of procurement

l. Bertanggung jawab terhadap proses perencanaan

planning and selection of IT-related suppliers.

pengadaan dan pemilihan supplier yang terkait IT Independensi dan Hubungan Afiliasi Direksi

Affiliation of Board of Directors

Independensi dan transparansi Direksi Bank Sinarmas atas

Independency and transparency of Bank Sinarmas’ Board of

hubungan afiliasi merupakan salah satu faktor penting

Directors is one of the key factors that must be maintained

yang senatiasa dijaga untuk kepentingan Bank Sinarmas

for the benefit of the Company in order to prevent conflict of

agar terhindar dari konflik kepentingan. Untuk menjaga

interest. To maintain the independency, all members of the

independensi tersebut, seluruh anggota Direksi yang menjabat

Board of Directors of Bank Sinarmas must not have a financial,

di Bank Sinarmas diharuskan untuk tidak memiliki hubungan

family (to the second degree, both vertically and horizontally)

keuangan, keluarga (sampai derajat ke dua vertikal maupun

relationship with the members of the Board of Commissioners,

horizontal) dengan anggota Dewan Komisaris, anggota Direksi

Board of Directors, and/or controlling shareholders.

lainnya, dan/atau pemegang saham pengendali. Table of affiliation of Board of Directors

Tabel hubungan afiliasi Direksi Hubungan Keuangan dengan Financial Relationship with Nama / Name


No


No



No


No


No


No

Freenyan Liwang

x

x

x

x

x

x

Heru Agus Wuryanto

x

x

x

x

x

x

380







No


No

Hubungan Keluarga dengan Family relationship with Dewan Komisaris/ Board of Commissioners



No

Yes

No


No


No

Salis Teguh Hartono

x

x

x

x

x

x

Loa Johnny Mailoa

x

x

x

x

x

x

Halim

x

x

x

x

x

x

Hanafi Himawan

x

x

x

x

x

x

Soejanto Soetjijo

x

x

x

x

x

x


x

x

x

x

x

x

Per tanggal 31 Desember 2015, jumlah total kepemilikan

As of December 31, 2015, share ownership of members of

saham oleh anggota Direksi 4.461.875 atau 0,0315% dari

the Board of Directors totaled 0.0315% or equal to 4,461,875

seluruh jumlah saham di Bank Sinarmas.

shares of all total shares at Bank Sinarmas.

Tabel informasi kepemilikan saham Direksi

Table of information on share ownership of the Board of Directors Kepemilikan Saham / Share Ownership

Nama / Name

Jabatan / Position

Freenyan Liwang

Direktur utama / President Director

Halim

Direktur / Director

Jumlah Saham / Number of Shares

Presentase Kepemilikan / Ownership Percentage

4.021.875

0,0284%

440.000

0,0031%

Pedoman dan Tata Tertib Kerja Direksi

Guidelines and Work Rules of Board of Directors

Pedoman dan Tata Tertib Kerja Direksi ditetapkan melalui

Employment Guidelines and Rules of Conduct of The Board

Surat Keputusan No. SK.005/2015/PRESDIR-CorSec

of Directors is established by Decree No. SK.005 / 2015 /

tertanggal 1 April 2015 yang secara garis besar mengatur

PRESDIR-CorSec dated April 1, 2015 that generally regulates

tentang hari, jam kerja, cuti dan izin Direksi serta ketentuan

about working days, working hours, leave and permit of the

penyelenggaraan dan pengambilan keputusan rapat, kode

Board of Directors as well as the provisions of organizing

etik, dan peningkatan kompetensi Direksi.

and decision-making in meetings, codes of conduct, and competence improvement of the Board of Directors.

Frekuensi, Tingkat Kehadiran, dan Rekap Absensi Rapat

Meeting Frequency, Attendance Rate and Absence

Direksi

Record of the Board of Directors

Sepanjang 2015, Direksi telah menyelenggarakan rapat

In 2015, the Board of Directors conducted 32 meetings, which

sebanyak 32 kali yang dipimpin oleh Direktur Utama atau

was led by the President Director or the other members of the

anggota Direksi lainnya dalam hal Direktur Utama berhalangan

Board of Directors in case that the President Director is unable


381





hadir. Hasil rapat diputuskan dengan mengedepankan

to attend it. The entire result of the meeting was decided by

musyawarah mufakat dan dituangkan secara tertulis ke dalam

consensus agreement and set forth in writing in the minutes

risalah rapat serta didokumentasikan dengan baik.

of meetings and was well documented.

Dengan demikian, Bank Sinarmas telah memenuhi ketentuan

Therefore, Bank Sinarmas has complied with the regulations

Bank Indonesia tentang pelaksanaan GCG dan ketentuan

of Bank Indonesia on the GCG implementation and the

internal Perseroan yaitu Board Manual serta Pedoman Tata

Company’s internal regulation, namely Board Manual and the

Tertib Kerja Direksi.

Guidelines of Work Rules of Board of Directors.

Tabel frekuensi dan tingkat kehadiran Direksi dalam Rapat

Table of meeting frequency and attendance rate of the Board of Directors

No

Nama / Name


Jabatan / Position

1

Freenyan Liwang


32/27

2

Heru Agus Wuryanto

Direktur / Director

32/30

3

Salis Teguh Hartono


32/30

4

Loa Johnny Mailoa

Direktur / Director

32/32

5

Halim

Direktur / Director

32/28

6

Hanafi Himawan


32/30

7

Soejanto Soetjijo*

Direktur / Director

24/22

8

Frenky Tirtowijoyo Susilo*

Direktur / Director

24/22

Keterangan *) Soejanto Soetjijo dan Frenky Tirtowijoyo Susilo baru menjabat sebagai Direktur sejak RUPSLB 24 Maret 2015

Note *) Mr. Soejanto Soetjijo and Mr. Frenky Tirtowijoyo Susilo have just served as Director since EGM on March 24, 2015

Tabel rekap absensi rapat Direksi

Table of absence recap of the Board of Directors

Tanggal / Date

Notulen


Direksi / Board of Directors FL

HA

STH

JM

HH

HL

SS *

FTS *

002/2015/DIR

√

-

√

√

√

√

-

-


003/2015/DIR

√

√

√

√

√

√

-

-


004/2015/DIR

√

√

√

√

√

√

-

-


006/2015/DIR

√

√

√

√

√

√

-

-


007/2015/DIR

√

√

√

√

√

√

-

-


008/2015/DIR

-

√

√

√

√

√

-

-

13 Maret 2015 / March 13, 2015

010/2015/DIR

√

-

-

√

√

√

-

-

20 Maret 2015 / March 20, 2015

011/2015/DIR

√

√

√

√

√

√

-

-

27 Maret 2015 / March 27, 2015

012/2015/DIR

√

√

√

√

-

√

√

√

382




Tanggal / Date

Notulen

17 April 2015 / April 13, 2015




HA

STH

JM

HH

HL

SS *

FTS *

014/2015/DIR

√

√

√

√

√

-

√

√

24 April 2015 / April 24, 2015

015/2015/DIR

√

√

√

√

√

-

√

√

15 Mei 2015 / May 15, 2015

017/2015/DIR

√

√

√

√

√

√

√

√

22 Mei 2015 / May 22, 2015

018/2015/DIR

√

√

√

√

√

√

√

√

28 Mei 2015 / May 28, 2015

019/2015/DIR

-

√

√

√

√

√

-

√

12 Juni 2015 / June 12, 2015

021/2015/DIR

√

√

√

√

√

√

√

√

19 Juni 2015 / June 19, 2015

022/2015/DIR

√

√

√

√

-

√

√

√

26 Juni 2015 / June 26, 2015

023/2015/DIR

√

√

√

√

-

√

√

-

10 Juli 2015 / July 10, 2015

025/2015/DIR

√

√

√

√

√

√

√

√

31 Juli 2015 / July 31, 2015

026/2015/DIR

√

√

√

√

√

√

√

√

14 Agustus 2015 / August 14, 2015

028/2015/DIR

√

√

√

√

√

√

√

√

21 Agustus 2015 / August 21, 2015

029/2015/DIR

√

√

√

√

√

√

√

√

28 Agustus 2015 / August 28, 2015

030/2015/DIR

√

√

√

√

√

√

√

√


032/2015/DIR

-

√

√

√

√

√

-

√


033/2015/DIR

-

√

√

√

√

√

√

√


034/2015/DIR

√

√

√

√

√

√

√

√


036/2015/DIR

√

√

-

√

√

√

√

√


037/2015/DIR

√

√

√

√

√

√

√

√


038/2015/DIR

√

√

√

√

√

√

√

√


039/2015/DIR

√

√

√

√

√

√

√

√

13 Nopember 2015 / November 13, 2015

041/2015/DIR

√

√

√

√

√

√

√

√


042/2015/DIR

-

√

√

√

√

√

√

-


383



Tanggal / Date

Notulen


044/2016/DIR

TOTAL




HA

STH

JM

HH

HL

SS *

FTS *

√

√

√

√

-

√

√

√

27

30

30

32

28

30

22

22

Keterangan *) Soejanto Soetjijo dan Frenky Tirtowijoyo Susilo baru menjabat sebagai Direktur sejak RUPSLB 24 Maret 2015

Note *) Mr. Soejanto Soetjijo and Mr. Frenky Tirtowijoyo Susilo have just served as Director since EGM on March 24, 2015

Tabel agenda rapat Direksi

Table of meeting agenda of the Board of Directors

Tanggal / Date

Notulen


002/2015/DIR

Agenda Rapat / Meeting Agenda Penjualan AYDA melalui Balai Lelang / Selling of AYDA through Auction House ATM Switching Kartu Kredit / Credit Card Kartu ATM Lion Air / Lion Air ATM Card Kerjasama dengan L Avenue / Cooperation with L Avenue Kerjasama dengan EzzeLink / Cooperation with EzzeLink Kalender Event / Event Calendar Operation System (OS) Mesin ATM / ATM Machine Operation System Kantor di Apartement Capitol / Office in Capitol Apartment Penanganan Kredit Bermasalah (Kolek 3,4,5) / Handling of Problem Credits (Kolek 3, 4, 5) Tindakan Fraud / Fraud Actions Iklan Orange TV / Orange TV Advertisement Digital Banking Mastercard KTA Payroll Virtual Account Penjualan Forex / Forex Selling Transasksi Melalui EDC / Transaction via EDC Klaim Asuransi KTA Mikro / KTA Micro Insurance Claim Relokasi Kantor Cabang / Branch Office Relocation


003/2015/DIR

Penjualan AYDA melalui Balai Lelang / Selling of AYDA through Auction House Penanganan Kredit Bermasalah / Handling of Problem Credits Komite Penanganan Kredit Bermasalah (KPKB) / Problem Credit Handling Committee Sertfikasi UKMR / UKMR Certification Tunjangan Jabatan AO Syariah / Position Allowance for AO Syariah Kenyamanan Transaksi Nasabah / Comfort of Customers’ Transaction Cakupan Wilayah Kerja OJK / Scope of the FSA’s Work Areas

384



Tanggal / Date


Notulen



Agenda Rapat / Meeting Agenda Revisi Ketentuan Pemberian Fasilitas Kredit / Revision of Requirements for Credit Facility Provision Perubahan Fitur Produk MSME Secure menjadi Simas Mirco Secure Loan / Product Feature Changing from MSME Secure to Simas Micro Secure Loan Susunan Wewenang Memutus untuk Komite Kredit Micro, Small dan Retail Banking / Composition of Authority to Dismiss for Micro Credit, Small, and Retail Banking Committee

27 Januari 2015

004/2015/DIR

Debitur Menunggak / Debtors in Arrears Penanganan Kredit Bermasalah / Handling of Problem Credits Komite Penanganan Kredit Bermasalah (KPKB) / Problem Credit Handling Committee Kartu Kredit / Credit Card Card Centre Tunjangan Jabatan AO Syariah / Position Allowance for AO Syariah Training ulang kepada AO Mikro Secure / Re-training for AO Mikro Secure Training Investigasi / Investigation Training Program Bantu Surat Peringatan Nasabah / Auxiliary Program of Memorandum for Customers Memo Biaya Incoming (Valas) / Incoming Fee Memo (Forex) Keputusan Usulan Sanksi (rekomendasi SKAI) / Decision of Sanction Proposal (SKAI’s recommendation) Branchless Banking Progress tindakan Fraud / Fraud action progress Jadwal Meeting Rutin Direksi / Schedule for Board of Directors’ Regular Meeting


006/2015/DIR

Digital Product Kerjasama dengan Shakinah dan ORORI / Cooperation with Shakinah and ORORI Master Card Digital Banking Gelar Perkara Pajak / Tax Case Preliminary Hearing


007/2015/DIR

Produk PPOB (Digital Produk) / PPOB (Digital Product) Kerjasama dengan AMI / Cooperation with AMI Peraturan Bukti Potong dari Ditjen Pajak / Regulation of Withholding Slip from the Directorate General of Taxation Corporate Profile Sosialisasi Pencegahan Fraud / Socialization of Fraud Prevention Payment Point Online Banking (PPOB)


008/2015/DIR

Laku Pandai / Branchless Banking Kepala Divisi Trade Finance / Head of Trade Finance Division

13 Maret 2015 / March 13, 2015

010/2015/DIR


Pengkinian Data Nasabah / Updating of Customer Data Document Management

385


Tanggal / Date


Notulen



Agenda Rapat / Meeting Agenda Mobil dan Motor Kas Keliling / Car and Motorcycle for Mobile Cash Special Asset Management Merchandise Department Personal Accident Tata Laksana Bank Notes Carrying / Bank Notes Carrying Governance Group Head Card Centre Penjualan Asuransi On Line / Selling of Online Insurance Perkembangan produk - produk / Product Development

20 Maret 2015 / March 20, 2015

011/2015/DIR

Event Creativepreneur Corner 2015 Produk - Produk Bank / Bank Products Promo Iphone LTE / Promotion of iPhone LTE Digital Campaign Transaksi melalui Mobile / Internet Banking / Transaction via Mobile/Internet Banking Pengkinian Data Nasabah / Updating of Customer Data Simas Community (SimComm) Merchandise Department Mobile Banking Perkembangan produk - produk / Product Development Basic Development

27 Maret 2015 / March 27, 2015

012/2015/DIR

Sosialisasi Simobi Plus / Socialization of Simobi Plus Promo Iphone LTE Smart / Promotion of iPhone LTE Smart Merchandise Department Pengkinian Data Nasabah / Updating of Customers Data Laku Pandai / Branchless Banking Kartu Kredit / Credit Card Pay Master Design Kartu Kredit Union Pay / Union Pay Credit Card Design Meeting Update Bisnis dan Produk Bank / Meeting about Update on the Bank’s Business and Products PIC Digital Banking

17 April 2015 / April 17, 2015

014/2015/DIR

Aturan Underlying Investasi US$ / Underlying Regulation on US$ Investment Team Cheetah Produktivitas Marketing / Marketing Productivity Sistem Pemberian Kredit Mikro / Micro Credit Provision System Mutual Fund Wealth Management

386



Tanggal / Date


Notulen



Agenda Rapat / Meeting Agenda Simobi Plus Design Seragam Front Liner Bank Sinarmas / Bank Sinarmas Front Liner Uniform Design Konsultan Digital Banking / Digital Banking Consultant Team Sinergi / Synergy Team Kerjasama dengan SeveLink dan Isha / Cooperation with SeveLink and Isha Promo Digital Banking / Digital Banking Promotion Treasury System Fund Tranfer Pricing

24 April 2015 / April 24, 2015

015/2015/DIR

Konsultan Digital Banking / Digital Banking Consultant Card Centre Peningkatan Penjualan Produk Bank / Improvement on Sales of the Bank’s Products Customer Acquisition Kredit Macet / Bad credit AYDA Rapat Koordinasi Product antara Kanwil dan Product Owner / Meeting about Product Coordination with Regional Office and Product Owner Treasury Performance Review Kantor Kas Kendal / Kendal Cash Office Laporan Hasil Kunjungan Mentor / Report of Mentor’s Visit Results Piagam Mentoring Wilayah / Regional Mentoring Charter

15 Mei 2015 / May 15, 2015

017/2015/DIR

Film Edukasi / Educational Film Revisi RBB Juni 2015 / June 2015 RBB Revision Exit Meeting dengan Regulator / Exit Meeting with the Regulator Pembagian Tugas antar Direktorat / Division of Duties between Directorates MPP Sales & Distribution 2015 Re-Design Website Bank Sinarmas Quick Respon (QR) Monitoring Expenses Cabang / Branch Monitoring Expenses Account Officer Bank Sales & Distribution Kantor Fungsional Unit Usaha Syariah (UUS) / Functional Office of Sharia Business Unit

22 Mei 2015 / May 22, 2015

018/2015/DIR

Simas Pay Re- Design Website Bank Sinarmas Kartu Kredit / Credit Card


387


Tanggal / Date


Notulen



Agenda Rapat / Meeting Agenda Promosi Internet & Mobile Banking / Promosi Internet & Mobile Banking / Internet & Mobile Banking Promotion Supply Chain Financing Program Bantu Pengkinian Data / Program to Support Data Updating Progress Pembuatan SOP / Progress of the Drafting of SOP Unit Kerja Loan Recovery / Loan Recovery Work Unit

28 Mei 2015 / May 28, 2015

019/2015/DIR

Pengelolaan Deposito nasabah korporasi / Deposit Management for corporate customers Unit Usaha Syariah / Sharia Business Unit Laku Pandai / Branchless Banking Pengkinian Data / Data Updating Kartu Kredit / Credit Card Micro Secure Pelayanan Nasabah / Customer Service

12 Juni 2015 / June 12, 2015

021/2015/DIR

Skema Insentif / Incentive Scheme Revisi RBB / Revision of Bank’s Business Plan (RBB) Rekomendasi Komisaris kepada Direksi / Board of Commissioners’ Recommendations to the Board of Directors Pemekaran Wilayah Kanwil / Expansion of Regional Office Work Area Laporan Kinerja Keuangan per Mei 2015 / Statements of Financial Performance per May 2015 Kartu Kredit / Credit Card

19 Juni 2015 / June 19, 2015

022/2015/DIR

Konsentrasi Bisnis Bank / Bank’s Business Concentration Rangkap Jabatan / Concurrent Position Sales & Distribution Switching Project Sales Clinic Skema Insentif / Incentive Scheme Revisi RBB / Revision of Bank’s Business Plan (RBB) Corporate Card Corporate Internet Banking SIMAS UMK NPL Mikro Aturan Penyampaian Punishment Karyawan / Procedure to Impose Punishment on the Employees Efisiensi dan Efektivitas Biaya / Cost Efficiency and Effectiveness Tindak Lanjut Penyelesaian PT. TET / Follow-up on the Settlement of PT. TET

388




Tanggal / Date

Notulen

26 Juni 2015 / June 26, 2015

023/2015/DIR



Agenda Rapat / Meeting Agenda Laku Pandai Fraud Management Perijinan Produk Bank / Bank’s Product Licensing Product Bundling dan RDN (Rekening Dana Nasabah) / Product Bundling and Customer Funds Account (Rekening Dana Nasabah - RDN) Update Project IT

10 Juli 2015 / July 10, 2015

025/2015/DIR

Arahan Regulator / Regulator’s Directives Presentasi Direktorat Retail Banking / Retail Banking Directorate Presentation Rasio Perusahaan / Ratios of the Company Commision Insurance Collateral Rapat Koordinator Kanwil / Regional Office Coordination Meeting Aturan Penggunaan Transaksi Rupiah / Regulation in the Use of Rupiah in Transactions KPI Account Officer Digital Banking Aplikasi Manajemen di Ipad Direksi / Management Application on Board of Directors’ iPad Peraturan Kredit terkait SBDK / SBDK-Related Loan Regulation Lead Management System Pelaporan RMR / RMR Reporting Paperless Sentralisasi Pinjaman Karyawan / Centralization of Employee’s Loan Fasilitas Kredit Direksi / Board of Directors’ Loan Facility Resolusi Kredit / Credit Resolution

31 Juli 2015 / July 31, 2015

026/2015/DIR

Laporan Performance Direktur Utama Q2 / Report on the Performance of President Director in Q2 Kartu Indigo / Indigo Card Cabang Rugi / Loss in Branch Office Penjualan EDC / EDC Sales Kartu Kredit Korporate / Corporate Credit Card Marketing Cabang / Branch Office’s Marketing Promosi Bank Sinarmas / Promotion of Bank Sinarmas Mobil Kas Bank Sinarmas / Mobile Cash of Bank Sinarmas Internal Call Centre Analisa Beban Cabang Analysis on Branch Office’s Expenses Pemetaan Produk Bank / Bank’s Product Mapping Usulan Direktorat Mentor / Recommendation on Directorate for Mentor Simas Superbonus Gadget


389



Tanggal / Date

Notulen

14 Agustus 2015 / August 14, 2015

028/2015/DIR



Agenda Rapat / Meeting Agenda Design Kartu Debit Chip Bank / Design of Bank’s Chip Debit Card Pemeriksaan Regulator untuk Laku Pandai / Regulator’s Evaluation on Laku Pandai Merchant Acquiring dan Kartu Kredit / Merchant Acquiring and Credit Card Kartu Kredit Indigo / Indigo Credit Card Program Gadget Gadget Program Simobi Plus Update Perkembangan Bisnis / Update on Business Development Simulasi Penyerapan Biaya Cabang / Simulation of Branch Office’s Expense Absorption RBB Laku Pandai / Branchless Banking

21 Agustus 2015 / August 21, 2015

029/2015/DIR

Product Bundling Handphone Simobi Plus Digital Banking Digit Nomor CIF / CIF’s Digit Number Kartu Kredit / Credit Card KPI Digital Banking Inovatif Product Baru / Innovation of New Product Inovatife Project Bank Inovatif Project Bank / Bank’s Project Innovation Redesign Website Petunjuk Asetsi Simobi Plus / Directions to Activate Simobi Plus Cabang Rugi / Loss in Branch Office Rencana Bisnis Bank 2016 / Bank’s Business Plan for 2016

28 Agustus 2015 / August 28, 2015

030/2015/DIR

Presentasi Card Centre / Presentation of Card Centre Kartu Kredit / Credit Card Kartu Kredit / Credit Card Product Bank Developer Default Struktur Card Centre / Structure of Card Centre Account Manager Lead Management System Sales Clinic Peluang Bisnis / Business Opportunity Corporate Internet Banking

390



Tanggal / Date


Notulen



Agenda Rapat / Meeting Agenda Presentasi E Learning / E-Learning Presentation


032/2015/DIR

Unit Usaha Syariah / Sharia Business Unit Presentasi dari Unit Kerja Credit Analyst / Presentation from Credit Analyst Work Unit Fungsi dan Mekanisme Direktur Mentor / Function and Mechanism of Director of Mentor Peluang Bisnis Sektor Kredit Sawit / Business Opportunity in Palm Oil Loan Sector


Presentasi dari Direktorat Liabilities / Presentation from Liabilities Directorate 033/2015/DIR

Training Marketing Bank Kartu Kredit Indigo / Indigo Credit Card Strategi Bank / Bank’s Strategy Pelayanan Nasabah via Contact Centre / Customer Service via Contact Centre


Presentasi Rencana Reorganisasi Direktorat Retail / Presentation of Reorganization Plan of Retail Directorate 034/2015/DIR

Service Quality KPI Cabang / Branch Office’s KPI Akusisi Nasabah Baru / Acquisition of New Customers Kartu Kredit Indigo / Indigo Credit Card Progress Tindak Lanjut PT. TET / Progress on the Follow-up Actions to PT. TET Laporan Debitur Menunggak / Report on Debtors in Arrears People Life Cycle Aturan Penitipan Dana / Regulations in Fund Deposit


036/2015/DIR

Pengguna Kartu Kredit Bank / Users of Bank’s Credit Card One on One Service Dampak Kenaikan UMR 2016 / Impact of the Rising UMR in 2016 Presentasi Direktorat Unit Usaha Syariah / Presentation of Directorate of Sharia Business Unit Cash Pickup Monitoring Jaminan / Monitoring on Guarantee Pembagian Tugas & Tanggung Jawab / Distribution of Duties and Responsibilities Aturan Ekskalasi / Regulations in Escalation Entitas Utama / Main Entity Informasi Right Issue / Information on Rights Issue


037/2015/DIR

Program Cash Back Kartu Kredit / Cash Back Program for Credit Card Penggunaan EDC di Merchant / Use of EDC in Merchants Simobi Plus Database nasabah Kredit / Database of Credit Customers Time Motion Study


391


Tanggal / Date


Notulen



Agenda Rapat / Meeting Agenda E money Ezze Link Laku Pandai / Branchless Banking Tabungan Diamond / Diamond Savings Account


038/2015/DIR

Laku Pandai / Branchless Banking Entitas Utama / Main Entity Cross Selling Card Center Kartu Kredit / Credit Card


039/2015/DIR

Laku Pandai / Branchless Banking Presentasi Performance Q3 / Presentation of Performance in Q3 Persiapan Bank SInarmas sebagai Entitas Utama / Preparation for Bank Sinarmas as the Main Entity Action Plan Cabang Rugi / Loss in Branch Office’s Action Plans Product Bundling Iphone 6S


Perijinan Product / Product Licensing 041/2015/DIR

Laku Pandai Posisi Pimpinan Cabang / Position of Branch Office Manager Simas Junior Restuktur Kredit / Credit Restructuring Rotasi Pejabat Bank / Rotation of Bank’s Officers Kepala Divisi CAC / Head of CAC Division


Laku Pandai / Branchless Banking 042/2015/DIR

Kartu Kredit Indigo / Indigo Credit Card Bussines Partner Development


044/2015/DIR

Perijinan E-Money dan Corporate Internet Banking / E-Money Licensing and Corporate Internet Banking Persiapan Launching Layanan Keuangan / Preparation to Launch Financial Services Business Continuity Management

Orientasi Anggota Direksi Baru

Orientation for New Members of the Board of Directors

Orientasi diberikan kepada anggota Direksi yang baru pertama

Orientation is given to the new members of the Board of

menjabat di Bank Sinarmas. Apabila anggota Direksi yang

Directors who has just served at Bank Sinarmas. If there is only

diganti hanya sebagian, maka penanggung-jawab orientasi

a half of the Board of Directors who gets replaced, then the

tersebut adalah Direksi lainya dan atau Sekretaris Perusahaan.

person in charge of the orientation is the other members of the Board of Directors and/or Corporate Secretary.

392






Materi yang diberikan pada program orientasi meliputi hal-hal

The materials given in the orientation program covers the

sebagai berikut:

following:

1. Gambaran mengenai Bank Sinarmas berkaitan dengan

1. Description on Bank Sinarmas which relates to the

tujuan, sifat, lingkup kegiatan, kinerja keuangan dan

objective, nature, scope of activities, financial and

operasi, strategi, rencana usaha jangka pendek dan jangka

operational performances, strategies, short-term and long-

panjang, posisi kompetitif, risiko dan berbagai masalah

term business plan, competitive positions, risks, and other

strategis lainnya.

various strategic matters.

2. Pelaksanaan prinsip-prinsip GCG oleh Bank Sinarmas.

2. Implementation of GCG principles by Bank Sinarmas.

3. Pemahaman terhadap tugas dan tanggung jawab anggota

3. Understanding on duties and responsibilities of Board of

Direksi.

Directors.

4. Penjelasan yang berkaitan dengan kewenangan yang

4. Explanation related to the authority that has been

didelegasikan, audit internal dan eksternal, sistem dan

delegated, internal and external audit, system and policy

kebijakan pengendalian internal serta tugas dan peran

of internal control, as well as duties and roles of Audit

Komite Audit dan Komite-komite lain yang dibentuk oleh

Committee and other Committees established by the

Komisaris.

Commissioner.

5. Penjelasan mengenai kebijakan-kebijakan yang menunjang pelaksanaan tugas dan tanggung jawab Direksi.

5. Explanation on policies supporting implementation of duties and responsibilities.

Suksesi Direksi

Director Succession

Pengangkatan dan pemberhentian Direksi Perseroan dilakukan

The appointment and dismissal of the Company’s Board of

berdasarkan prinsip-prinsip profesionalisme dan tata kelola

Directors are conducted based on the professionalism and

perusahaan yang baik (Good Corporate Governance).

good corporate governance principles.

Program Pelatihan

Training Program

Pada tahun 2015, Direksi telah mengikuti berbagai seminar/

In 2015, the Board of Directors attended various seminar/

training/workshop guna meningkatkan kompetensinya, antara

training/workshop to improve its competency, among others:

lain: Tabel informasi porgram pelatihan Direksi

Table of information of training program of the Board of Directors

No

Tanggal / Dated

Training


Tempat / Location

FREENYAN LIWANG 1


Training 10 Elemen Transformasi / Training 10 Elements of Transformation

McKinsey


2

24 Maret 2015 / March 24, 2015


McKinsey


3

7 April 2015 / April 7, 2015

Workshop Penilaian Tingkat Kesehatan bank / Workshop of the Assessment of Bank’s Soundness

BSMR

Hotel Atlet Century, Jakarta

Self lead workshop

Mckinsey

Roxy Square , Jakarta

Overview of Indonesian Capital Market - Securitas Sinarmas

Sinarmas Sekuritas


4

5

11 April 2015 / April 11, 2015

17 April 2015 / April 17, 2015


393



Training




No

Tanggal / Dated

Tempat / Location

6

15 Mei 2015 / May 15, 2015

"Spirit of Formosa" dan "Spirit of Huawei" / ”Spirit of Formosa” and ”Spirit of Huawei”

Formosa


7

25 Juli 2015 / July 25, 2015

E-Commerce with Magento

The University of Sydney

Sydney, Australia

8

12 Agustus 2015 / August 12, 2015

Training Corporate Governance

OJK

Menara Merdeka, Jakarta

9

25 Agustus 2015 / August 25, 2015

Banking Improvement Workshop

Wincor Nixdorf Indonesia


10


Governance of Risk



HERU AGUS WURYANTO 1



McKinsey


2

2 Maret 2015 / March 2, 2015

PDPS & Leadership In Action

Unit Usaha Syariah / Sharia Business Unit


3

24 Maret 2015 / March 24, 2015




4

13-14 April 2015 / April 13-14, 2015

Coaching & Concelling Basic Accounting


Function Room. Quest Hotel, Surabaya

5

17 April 2015 / April 17, 2015


Sinarmas Sekuritas


6

9 Agustus 2015 / August 9, 2015

Leadership


PT. Asuransi Sinarmas Plaza Simas

7

22 Agustus 2015 / August 22, 2015

Leadership


Yogyakarta

8


Basic Perbankan Umum, Refreshment Basic Laporan Keuangan kepada Lulusan MT-iB


Gedung LPPI, Kemang, Jakarta Selatan

9


Training Governance of Risk



10

9-10 November 2015 / November 9-10, 2015

Leadership


Kantor Cabang Syariah Malang

11


Leadership


Hotel Bumi Bandhawa

SALIS TEGUH HARTONO 1

21 Januari 2015 / January Integrated Governance and 21, 2015 Risk Management

IBI

Plaza bapindo Lt.9, Jakarta

2



McKinsey


3

24 Maret 2015 / March 24, 2015


McKinsey


394




Training




No

Tanggal / Dated

Tempat / Location

4

12 April 2015 / April 12, 2015

Self lead workshop

McKinsey

Roxy Square Lt.9, Jakarta

5

17 April 2015 / April 17, 2015


Sinarmas Sekuritas


6

1 Juli 2015 / July 1, 2015

Program Sosialisasi Compliance

Compliance

Bank Sinarmas KC Malang

7

6 Juli 2015 / July 6, 2015

Seminar Risk Management (Resfreshment)

BSMR

Hotel Atlet Century, Jakarta

8

11 Agustus 2015 / August 11, 2015


Compliance

Bank Sinarmas KC Semarang

9

27 Agustus 2015 / August 27, 2015


Compliance

Bank Sinarmas KC Palembang

10


Leadership Sharing Session bersama Bpk. Arwin Rasyid

President Office Sinarmas


11


Seminar Nasional dan Kongres ISEI XIX

ISEI

Hotel Bumi Surabaya

12


Sosialisasi Laku Pandai

Compliance

Bank Sinarmas KC Magelang

13



IICD


14


Risk & Governance Summit 2015

OJK

Museum Nasional Indonesia

LOA JOHNNY MAILOA 1

29 Januari 2015 / January Table Manner 29, 2015

KCU Thamrin

Gaia Restaurant, The Plaza

2


Table Manner

KCU Thamrin

Gaia Restaurant, The Plaza

3



McKinsey


4


Seminar Nasional "Prospek pembiayaan Properti 2015" / National Seminar ”Outlook on Property Financing 2015”

Info bank

Hotel Le Meridien, Jakarta

5

14 Maret 2015 / March 14, 2015

Bedah Buku AO

Corporate Banking and Credit Analyst


6

24 Maret 2015 / March 24, 2015


Mckinsey


7

11-12 April 2015 / April 11-12, 2015

Self lead workshop

McKinsey


8

17 April 2015 / April 17, 2015


Sinarmas Sekuritas


9


Leadership Sharing Session bersama Bpk. Arwin Rasyid

President Office Sinarmas


10



IICD



395


No

Tanggal / Dated



Training



Tempat / Location

HALIM 1



McKinsey


2

24 Maret 2015 / March 24, 2015


McKinsey


3

11-12 April 2015 / April 11-12, 2015

Preparing the Future, to work together to deliver (Self McKinsey Lead Workshop)


4

17 April 2015 / April 17, 2015


Sinarmas Sekuritas


5

25 Agustus 2015 / August 25, 2015

Banking Improvement Workshop

Wincor Nixdorf Indonesia


6


Governance of Risk



HANAFI HIMAWAN 1



McKinsey


2


Refreshment Training (LSPP) - Operational Risk Management

LSPP

(Hotel Akmani, Jakarta)

3

24 Maret 2015 / March 24, 2015


McKinsey


4

11-12 April 2015 / April 11-12, 2015

Seft Lead Workshop Mckinsey

Mckinsey


5

17 April 2015 / April 17, 2015


Sinarmas Sekuritas


6


Training Governance of Risk - Indonesian Institute for Corporate Directorship



7

10-11 Desember 2015 / December 10-11, 2015

ERMA Bali International Seminar on ERM 2015

ERMA

Denpasar, Bali

SOEJANTO SOETJIJO 1



McKinsey

Sinar Mas Land Plaza, Tower 1 Lantai 8, Jakarta

2


Training LMS dan Performance Dashboard

SPM


3

11-12 April 2015 / April 11-12, 2015

Preparing the Future, to work together to deliver (Self McKinsey Lead)

Roxy Square, Ruang Bali, Jakarta

4

17 April 2015 / April 17, 2015



396

Sinarmas Sekuritas






No

Tanggal / Dated

Training


5

3 Juni 2015 / June 1, 2015

Forum Dialog Tentang Proxy War dan Korporasi

6


Asia SME Banking Leadership McKinsey & Company Forum

Bangkok

7


Seminar "Bijak BereBanking"

Hotel Borobudur, Jakarta

8


Presentation by Dr. Lee Sang Smartfren Chul"New Era of ICT World"

Ballroom Grandhyatt Hotel, Jakarta

9


In-house Training dengan Tema “Governance of Risk"


President Office

OJK


Tempat / Location Sinarmas Land Plaza, Tower 2, Lantai 39, Jakarta

FRENKY TIRTOWIJOYO SUSILO 1



McKinsey


2


Penerapan Tata Kelola dan Manajemen Risiko Terintegrasi bagi Konglomerasi Keuangan

FKDKP

Hotel Pullman, Jakarta

3


Training LMS dan Performance Dashboard

SPM


4

10 Maret 2015 / March 10, 2015

Southeast Asia ATMs 2015 Conference

FIS

Shangri-la Hotel, Jakarta

5

11-12 April 2015 / April 11-12, 2015

Preparing the Future, to work together to deliver (Self McKinsey Lead)

Roxy Square, Ruang Bali, Jakarta

6

17 April 2015 / April 17, 2015


Sinarmas Sekuritas


7

3 Juni 2015 / June 1, 2015

Forum Dialog Tentang Proxy War dan Korporasi

President Office

Sinarmas Land Plaza, Tower 2, Lantai 39, Jakarta

8


Seminar "Bijak BereBanking"

OJK

Hotel Borobudur, Jakarta

9


Presentation by Dr. Lee Sang Smartfren Chul"New Era of ICT World"


10


In-house Training dengan Tema “Governance of Risk"


Sinar Mas Land Plaza, Tower 1 Lantai 8

11


Seminar International "Sustainable Finance to Support Sustainable Development Goals

OJK


12


BARA Risk Forum

BARa

Bali

13


The Transformation of Digital Payment: the new way to ASPI pay


Bali

397





RAPAT GABUNGAN DEWAN KOMISARIS DENGAN DIREKSI

JOINT MEETING OF BOARD OF COMMISSIONERS AND BOARD OF DIRECTORS

Sepanjang 2015, Dewan Komisaris dan Direksi telah

Throughout 2015, the Board of Commissioners and Board

menyelenggarakan rapat gabungan sebanyak 12 kali. Seluruh

of Directors have held 12 joint meetings. All joint meeting

hasil rapat gabungan diputuskan berdasarkan musyawarah

decisions are made based on consensus and written down

mufakat dan dituangkan secara tertulis ke dalam risalah rapat

in the minutes of meetings and is well-documented, as

serta didokumentasikan oleh Corporate Secretary dengan

well as documented well by the Corporate Secretary.

baik. Dengan demikian, Bank Sinarmas telah memenuhi

Thus,Bank Sinarmas has fulfilled regulator’s provisions on

ketentuan regulator tentang pelaksanaan GCG dan ketentuan

the implementation of GCG and from the Company, namely

internal Perseroan yaitu Board Manual serta Pedoman Tata

through Board Manual as well as Board Charter of Board of

Tertib Kerja Direksi dan Pedoman Tata Tertib Kerja Dewan

Directors and Board Charter of Board of Commissioners.

Komisaris. Tabel frekuensi dan tingkat kehadiran rapat gabungan Dewan

Table of joint meeting frequency and attendance rate of Board

Komisaris dengan Direksi

of Commissioners and Board of Directors

No

Nama / Name

Jumlah Kehadiran / Attendance Rate

Jabatan / Position

1

Tjendrawati Widjaja


12/11

2

Sammy Kristamuljana


12/11

3

Rusmin


12/12

4

Freenyan Liwang


12/10

5

Heru Agus Wuryanto

Direktur / Director

12/11

6

Salis Teguh Hartono


12/12

7

Loa Johnny Mailoa

Direktur / Director

12/12

8

Halim

Direktur / Director

12/12

9

Hanafi Himawan


12/11

10

Soejanto Soetjijo*

Direktur / Director

12/8

11


Direktur / Director

12/9

Keterangan *) Efektif menjabat sebagai Direktur sejak 24 Maret 2015

Note *) Serving as Director effective from March 24, 2015

Tabel rincian pelaksanaan Rapat Gabungan Dewan Komisaris

Table of Joint Meeting Implementation of Board of

dan Direksi

Commissioners and Board of Directors

Tanggal / Date

Notulen / Minutes


Direksi / Board of Direcors FL

HA

STH

JM

HH

HL

001/2015/DIRKOM

√

√

√

√

√

√


005/2015/DIRKOM

√

√

√

√

√

√

6 Maret 2015 / March 6, 2015

009/2015/DIRKOM

-

√

√

√

√

-

10 April 2015 / April 10, 2015

013/2015/DIRKOM

√

√

√

√

√

√

√

8 Mei 2015 / May 8, 2015

016/2015/DIRKOM

√

√

√

√

√

√

√

398

SS *

Belum bergabung / have not joined

FTS *

TW

SK

RM

√

√

√

√

√

√

√

√

√

√

√

√

√

√

-

-

√

Belum bergabung / have not joined




Tanggal / Date

Notulen / Minutes

5 Juni 2015 / June 5, 2015



Direksi / Board of Direcors FL

HA

STH

JM

HH

HL

SS *

FTS *

TW

SK

RM

020/2015/DIRKOM

√

√

√

√

√

√

-

√

√

√

√

3 Juli 2015 / July 3, 2015

024/2015/DIRKOM

-

√

√

√

√

√

√

√

√

√

√


027/2015/DIRKOM

√

√

√

√

√

√

√

√

√

√

√


031/2015/DIRKOM

√

√

√

√

√

√

√

√

√

√

√


035/2015/DIRKOM

√

√

√

√

√

√

√

√

√

√

√


040/2015/DIRKOM

√

-

√

√

√

√

√

√

√

√

√


043/2016/DIRKOM

√

√

√

√

√

√

√

√

√

√

√

10

11

12

12

12

11

8

9

11

11

12

TOTAL Keterangan / Note :

• JM (Loa Johnny Mailoa)

• TW (Tjendrawati Widjaja)

• HL (Halim)

• SK (Sammy Kristamuljana)

• HH (Hanafi Himawan)

• RM (Rusmin)

• SS (SoejantoSoetjijo)*

• FL (Freenyan Liwang)

• FTS (Frenky Tirtowijoyo Susilo)*

• HA (Heru Agus Wuryanto)

*) Efektif menjabat sebagai Direktur sejak 24 Maret 2015 /

• STH (Salis Teguh Hartono)

Serving as Director effective from March 24, 2015

Tabel agenda rapat Gabungan Dewan Komisaris dan Direksi

Table of joint meeting agenda of Board of Commissioners and Board of Directors

Tanggal / Date

Notulen / Minutes

6 Januari 2015 / Januari 6, 2015

001/2015/DIRKOM

Agenda Rapat / Meeting Agenda Penjualan AYDA melalui Balai Lelang / Sales of AYDA through Auction Supply Chain Financing& Cash Management Alokasi Tanggung Jawab dan Tugas Transformasi / Allocation of Responsibilities and Duties on Transformation Kartu Kredit / Credit Card Rolling Direktur Mentor / Director of Mentor’s Rolling Penggantian Mobil Dinas / Replacement of Office Vehicle Merchant Business ATM Switching Operation System (OS) Mesin ATM / Operation System (OS) of ATM Machine 3D Secure Penataan Ruangan Kerja / Administration of Workplace


399


Tanggal / Date


Notulen / Minutes



Agenda Rapat / Meeting Agenda Peraturan OJK Terbaru / The Newest OJK Regulation Struktur Stategic & Performance Management / Structure of Strategic and Performance Management


005/2015/DIRKOM

Digital Product Branch Management Program Surat Denda dari Kantor Pajak Setempat / Fines from Local Tax Office Tindak Lanjut Kasus Fraud / Follow-up of Fraud Cases Rapat Umum Pemegang Saham Luar Biasa / Extraordinary General Meeting of Shareholders Tata kelola Perjalanan Dinas Direksi / Governance of Board of Directors’ Official Visit Keseragaman Protokoler Direksi / Conformity in Board of Directors’ Protocols Struktur Organisasi / Organization Structure Photo Annual Report Corporate Profile Insentif dan Target / Incentive and Target

6 Maret 2015 / March 6, 2015

009/2015/DIRKOM

Keamanan Transaksi Nasabah / Customers’ Transaction Security Laku Pandai / Branchless Banking Simobi Plus Marketing Acquisition Tata Letak Unit Kerja Bank Sinarmas / Placement of Bank Sinarmas’ Work Units

10 April 2015 / April 10, 2015

013/2015/DIRKOM

Laporan Performance Direksi Quartal 1 2015 kepada Dewan Komisaris / Report on the Board of Directors’ Performance in Q1 to the Board of Commissioners Laku Pandai / Branchless Banking Orange TV Kartu Kredit / Credit Card E Learning Rekomendasi Komisaris kepada Direksi / Recommendations of the Board of Commissioners to the Board of Directors Sinkronisasi Data / Data Synchronization Monitoring tingkat NPL / Monitoring of NPL Rate Pembaharuan Kebijakan Kredit / Loan Policy Updating

8 Mei 2015 / May 8, 2015

016/2015/DIRKOM

MPP 2015 Unit Sales & Distribution Website Bank Sinarmas UangKu Quick Respon (QR) Peluang Bisnis Payment Gateway / Business Opportunity in Payment Gateway Pembagian Tugas antar Direktorat / Distribution of Duties among the Directorates

400



Tanggal / Date


Notulen / Minutes



Agenda Rapat / Meeting Agenda Presentasi Laporan Keuangan April 2015 / Presentation of Financial Statements of April 2015 Expense Cabang dan Divisi / Expenses of Branch Offices and Divisions Test UKMR Jumlah karyawan Cabang / Total Employees at Branch Office

5 Juni 2015 / June 5, 2015

020/2015/DIRKOM

Penataan Ulang Wilayah Kanwil / Re-Administration of Regional Offices’ Service Area Skema Insentif / Incentive Scheme Sales Clinic Tata Kelola Suku Bunga / Governance of Interest Rate Tata Kelola reward dari Business Partner / Governance of Rewards from Business Partners Tim Task Force TET / Task Force Team for TET Action Plan Kolektibilitas Kredit / Action Plan from Loan Collectability Rapat Umum Pemegang Saham Tahunan / Annual General Meeting of Shareholders Update Project IT

3 Juli 2015 / July 3, 2015

024/2015/DIRKOM

Rekening Dana Nasabah (RDN) / Customer Funds Account (Rekening Dana Nasabah - RDN) Program Gadget (Handphone) Fraud Management Pembagian Kerja Unit Kerja Sales & Distribution dan Unit Kerja Liabilities Product / Distribution of Duties for Sales & Distribution Work Unit and Product Liabilities Work Unit Rapat Koordinasi Kanwil / Regional Office Coordination Meeting


027/2015/DIRKOM

Presentasi Kinerja Unit Usaha Syariah / Presentation of the Performance of Sharia Business Unit Unit Usaha Syariah / Sharia Business Unit Quality Assurance (QA) Kartu Kredit / Credit Card Team Cheetah Simulasi Penyerapan Biaya Cabang / Simulation of Branch Office’s Expense Absorption Struktur Loan Recovery / Loan Recovery Structure Tindak Lanjut PT. TET / Follow-up Actions to PT. TET Rencana Mikro 2016 / Micro Plan for 2016


031/2015/DIRKOM

Sosialisasi Rencana Penyerapan Biaya Cabang / Socialization of Branch Office’s Expense Absorption Plan CAC Peluang Bisnis Sekuritas / Opportunity in Securities Business


401


Tanggal / Date


Notulen / Minutes



Agenda Rapat / Meeting Agenda Laku Pandai / Branchless Banking Bhinneka.com Time Motion Study Account Manager Kartu Kredit / Credit Card Call Centre Notifikasi Nasabah / Customer’s Notifications Laku Pandai / Branchless Banking Service Quality Tata Kelola Sertijab Direksi / Governance of Hand Over of Board of Directors’ Membership Training GCG untuk Direksi / GCG Training for the Board of Directors System IT Bank Salse Clinic List Product Bank Review Kebijakan Direktorat / Reviews of Directorate’s Policy


035/2015/DIRKOM

Presentasi dari Air Bank / Presentation from Air Bank Laku Pandai / Branchless Banking Corporate Internet Banking Kerjasama dengan Alfamart dan OkeShop / Cooperation with Alfamart and OkeShop Presentasi To Do List Direksi / Presentation of Board of Directors’ To-Do List Struktur Organisasi / Organization Structure


040/2015/DIRKOM

Laku Pandai Kartu Kredit / Credit Card Presentasi Kantor Cabang Rugi Unit Usaha Syariah / Presentation of Sharia Business Units in Branch Offices Suffering from Loss XT Cross Selling Update PPOB dan MPN / Update on PPOB and MPN


043/2015/DIRKOM

Update To Do List Direktorat Dirut / Update of To-Do List of the President Director’s Directorate Rencana Bisnis Bank / Bank’s Business Plan Lion Air Sistem Tracking Project / Tracking Project System Standarisasi Kantor Cabang / Standardizations of Branch Offices Design Simobi Plus Unit Usaha Syariah / Sharia Business Units Rekening Dana Nasabah (RDN) / Customer Funds Account (Rekening Dana Nasabah - RDN)

402






HUBUNGAN KERJA DEWAN KOMISARIS DAN DIREKSI

WORK RELATIONS OF BOARD OF COMMISSIONERS AND BOARD OF DIRECTORS

Dewan Komisaris dan Direksi berkomitmen untuk bersama-

Board of Commissioners and Board of Directors are committed

sama menegakan sistem perbankan yang sehat dan kuat

to upholding a healthy and strong banking system together

untuk menerapkan prinsip-prinsip GCG dalam pengelolaan

to implement the principles of GCG in the management of

bisnis perbankan Bank Sinarmas. Keselarasan tugas dan

Bank Sinarmas’ banking business. The balance of duties and

tanggung jawab dari Dewan Komisaris dan Direksi dalam

responsibilities between the Board of Commissioners and

menjalankan aktivitas operasional harian, akan berpengaruh

Board of Directors in running its daily operational activity will

secara signifikan terhadap kemajuan dan kesehatan Perseroan.

significantly affect the progress and health of the Company.

Berdasarkan Anggaran Dasar Perusahaan, ada beberapa

Based on the Company’s Articles of Association, there

keputusan Direksi yang harus mendapat persetujuan dari

are several Board of Directors’ decisions which have to be

Dewan Komisaris, yaitu:

approved by the Board of Commissioners, namely:

• Melepaskan hak atau mengagunkan barang tidak

• In any ways releasing rights or collateralizing real estate,

bergerak, termasuk hak atas tanah atau perusahaan-

including the rights on land and companies valued less

perusahaan dengan cara apapun untuk jumlah kurang dari

than ½ (half) of the capital recorded in balance sheet and

½ (satu per dua) dari modal yang tercatat dalam neraca

income statement approved and/or ratified by Annual

dan perhitungan laba rugi yang telah disetujui dan/atau

GMS.

disahkan oleh RUPS Tahunan. • Memperoleh dengan cara apapun barang tidak bergerak, termasuk hak atas tanah atau perusahaan. • Menerima pinjaman uang dari siapapun, apabila jumlah

• In any ways obtaining real estate including the rights on land or companies. • Receiving loans from any party if the amount exceeds

pinjaman tersebut melebihi jumlah yang ditetapkan oleh

the amount determined at the Board of Commissioners

rapat Dewan Komisaris.

meeting.

• Memberi pinjaman uang kepada pihak terkait.

• Giving loans to related parties.

• Menghapus buku terhadap pokok pinjaman kepada pihak

• To write off principal loans to related or unrelated parties

terkait maupun tidak terkait sesuai dengan ketentuan

according to the prevailing regulation in the bank.

yang berlaku di Bank. • Menggadaikan atau mengagunkan harta kekayaan bank

• To pawn or collateralize the bank’s assets for the amount

untuk jumlah lebih dari ½ (satu per dua) dari modal yang

of more than 1/2 (one half) of the capital recorded at the

tercatat dalam neraca dan perhitungan laba rugi yang

balance sheet and income statement approved and/or

telah disetujui dan/atau disahkan oleh RUPS Tahunan.

ratifed by the Annual GMS.

Bank Sinarmas selalu mengedepankan independensi dari

Bank Sinarmas always prioritizes the independency of

anggota Dewan Komisaris dan Direksi sehingga tidak

members of the Board of Commissioners and Board of

terdapat benturan kepentingan dalam pelaksanaan tugas dan

Directors to avoid conflict of interest in the implementation

tangungjawabnya secara mandiri dan kritis. Dalam Perseroan

of their duties and responsibilities in independent and critical

tidak terdapat Dewan Komisaris dan anggota Direksi yang

way. There is no member of the Board of Commissioners and

merangkap jabatan sebagai Komisaris, Direksi maupun Pejabat

Board of Directors who concurrently serve as a Commissioner,

Eksekutif pada Bank/lembaga lain, serta tidak pula memiliki

Director, or Executive Officer at other Bank/institutions. They

hubungan keuangan dan hubungan keluarga dengan sesama

also do not have financial and family relationship up to the

anggota Direksi dan/atau anggota Dewan Komisaris hingga

second degree with their fellow members of the Board of

derajat kedua.

Directors and/or Board of Commissioners.


403





Tabel hubungan keluarga dan keuangan Anggota Dewan

Table of family and financial relationship of Members of Board

Komisaris dan Direksi

of Commissioners and Board of Directors Hubungan Keuangan dengan Financial Relationship

Nama / Name


No


No

Hubungan Keluarga dengan Family relationship


No


No


No


No

Dewan Komisaris / Board of Commissioners Tjendrawati Widjaja

x

x

x

x

x

x

Sammy Kristamuljana

x

x

x

x

x

x

Rusmin

x

x

x

x

x

x

Direksi / Board of Directors Freenyan Liwang

x

x

x

x

x

x

Heru Agus Wuryanto

x

x

x

x

x

x

Loa Johnny Mailoa

x

x

x

x

x

x

Halim

x

x

x

x

x

x

Salis Teguh Hartono

x

x

x

x

x

x

Hanafi Himawan

x

x

x

x

x

x

Soejanto Soetjijo*

x

x

x

x

x

x


x

x

x

x

x

x

Keterangan *) Efektif menjabat sebagai Direktur sejak 24 Maret 2015

Note: *) Serving as Board of Commissioners effective from March 24, 2015

ASSESSMENT DEWAN KOMISARIS DAN DIREKSI

ASSESSMENT OF BOARD OF COMMISSIONERS AND BOARD OF DIRECTORS

Dalam setiap tahunnya, Dewan Komisaris dan Direksi

Every year, the Board of Commissioners and Directors provide

memberikan laporan pertanggungjawaban terhadap kinerja

an accountability report on the performance conducted

yang dilakukan sepnajang tahun buku pada RUPS. RUPS

throughout the fiscal year to the GMS. The GMS has an

memiliki kewenangan untuk memberikan persetujuan atau

authority to grant approval or denial to to the Board of

menolak laporan pertanggungjawaban Dewan Komisaris

Commissioners and Directors’ accountability report. The GMS

dan Direksi. RUPS juga memberikan pembebasan tanggung

also provides disclaimer to members of the Board of Directors

jawab kepada para anggota Direksi dan Dewan Komisaris atas

and Commissioners on the management and supervision

pengurusan dan pengawasan (acquit et de charge) yang telah

(acquit de charge) that have been carried out for the last fiscal

dijalankan untuk tahun buku yang berakhir.

year.

404






Bank Sinarmas telah melaksanakan

Bank Sinarmas has implemented

sistem tata kelola perusahaan

good corporate governance

yang baik sehingga Manajemen

system, thus the management

dapat mempertanggungjawabkan

can be accounted for financial

akuntabilitas keuangan, transparansi

accountability, transparency and

dan perilaku yang sesuai dengan

behavior that is in accordance

kode etik kepada para pemangku

with the code of conduct to the

kepentingan.

shareholders.

KEBIJAKAN DAN PROSEDUR PENETAPAN REMUNERASI DEWAN KOMISARIS DAN DIREKSI

POLICIES AND PROCEDURES TO DETERMINE REMUNERATION FOR BOARD OF COMMISSIONERS AND BOARD OF DIRECTORS

Prosedur Penetapan Remunerasi Dewan Komisaris dan

Procedure to Determine Remuneration of the Board of

Direksi

Commissioners and Board of Directors

Berdasarkan keputusan RUPS sebagaimana dituangkan dalam

Pursuant to GMS decision as stated in the Deed No. 37

Akta No. 37 tanggal 12 Juni 2015 tentang Berita Acara

dated June 12, 2015 concerning Annual General Meeting

Rapat Umum Pemegang Saham Tahunan Bank Sinarmas,

of Shareholders Agenda of Bank Sinarmas, the authority

penetapan remunerasi anggota Direksi dan anggota Dewan

to decide the remuneration for members of the Board of

Komisaris diserahkan kembali ke Dewan Komisaris dengan

Directors and Board of Directors is redelegated to the Board of

memperhatikan usulan/masukan Komite Remunerasi dan

Commissioners where they are required to do it by considering

Nominasi.

the recommendation from the Remuneration and Nomination Committee.

Prosedur Penetapan Remunerasi Dewan Komisaris dan

Procedure to determine the remuneration for the Board of

Direksi Bank Sinarmas mempertimbangkan kinerja Perseroan,

Commissioners and Board of Directors of Bnak Sinarmas

business size, dan hasil remunerasi peer bank. Secara garis

considers the performance of the Company, business size,

besar penerapan remunerasi dilakukan melalui tahapan

and remuneration result of the bank’s peers. Generally, the

berikut:

remuneration is determined through the following stages:

Komite Remunerasi dan Nominasi / Committee of Remuneraion and Nomination


Dewan Komisaris / Board of Commissioners

RUPS / GMS

405





Indikator Kinerja

Performance Indicators

Remunerasi Dewan Komisaris dan Direksi mengacu pada

Remuneration of the Board of Commissioners and Board of

indikator-indikator sebagai berikut:

Directors refers to the following indicators:

• Remunerasi diberikan dalam hal Bank memperoleh

• Remuneration is given when the Bank obtains profit in the

keuntungan dalam tahun buku.

fiscal year.

• Remunerasi diberikan dengan mengacu pada

• Remuneration is given by referring to the development of

perkembangan pasar industri perbankan.

banking market industry.

• Remunerasi diberikan melalui hasil pengukuran kinerja

• Remuneration is given based on the performance

Dewan Komisaris dan Direksi yang sesuai dengan tugas

assessment result of the Board of Commissioners

dan tanggung jawab.

and Board of Directors regarding their duties and responsibilities.

• pencapaian Key Performance Indicator (KPI).

• Achievement of Key Performance Indicators (KPI).

• Prestasi kerja individu.

• Individual achievements.

• Pertimbangan sasaran dan strategi jangka panjang Bank.

• Consideration of long-term targets and strategies of the Bank.

Struktur Remunerasi yang Menunjukkan Komponen

Remuneration Structure that Shows Remuneration

Remunerasi dan Jumlah Nominal per Komponen untuk

Component and Nominal Value per Component for Each

Setiap Anggota Dewan Komisaris dan Direksi

Member of the Board of Commissioners and Board of Directors Table of remuneration type and other facilities

Tabel jenis remunerasi dan Fasilitas Lain 2015 Jenis Remunerasi dan Fasilitas Lain / Type of Remuneration and Other Facilities

Remunerasi (gaji, bonus, tunjangan rutin, tantiem, dan fasilitas lainnya) / Remuneration (salary, bonus, regular allowance, tantiem, and other facilities)


2014

Direksi / Board of Directors


2013




Orang / Person

Jutaan Rupiah / Million Rupiah

Orang / Person


Orang / Person


Orang / Person


Orang / Person


Orang / Person


3

2.329

8

12.376

3

2.246

6

7.857

3

2.172

6

6.763

Fasilitas lain dalam bentuk natura (perumahan, transportasi, asuransi kesehatan dan sebagainya/ Other facilities in the form of benefits-in-kind (house, transportation, health insurance, etc*): a. Dapat dimiliki / Can be owned

3

31

8

31

3

59

6

245

3

33

6

237

b. Tidak dapat dimiliki / Cannot be owned

-

-

-

-

-

-

-

-

-

-

-

-

Total

3

2.360

8

12.557

3

2.305

6

8.102

3

2.205

6

7.000

*) Dinilai dalam ekuivalen Rupiah / Estimated in Rupiah

406






Jumlah anggota Dewan Komisaris dan Direksi yang menerima

The following table shows the number of Commissioners and

paket remunerasi dalam satu tahun yang dikelompokan dalam

Directors who receive remuneration package in a year based

kisaran tingkat penghasilan adalah sebagai berikut:

on the estimated amount of income:

Tabel rasio gaji tertinggi dan terendah

Table of the highest and lowest salary ratio

No

Uraian / Description

2015

2014

2013

Rasio / Ratio

Rasio / Ratio

Rasio / Ratio

1

Rasio gaji pegawai yang tertinggi dan terendah / The ratio between the highest and lowest employee salary

1 : 44,55

1 :44.55

1 : 31,90

2

Rasio gaji Direksi yang tertinggi dan terendah / The ratio between the highest and lowest Director salary

1 : 3,67

1 :3.67

1 : 4,00

3

Rasio gaji Komisaris yang tertinggi dan terendah / The ratio between the highest and lowest Commissioner salary

1 : 2,38

1 :2.38

1 : 1,63

4

Rasio gaji Direksi tertinggi dan pegawai tertinggi / The ratio between highest Director salary and the highest employee salary

1 : 5,18

1 :5.18

1 : 5,00

KEBIJAKAN KEBERAGAMAN DEWAN KOMISARIS DAN DIREKSI

DIVERSITY POLICY OF BOARD OF COMMISSIONERS AND BOARD OF DIRECTORS

Pertumbuhan ekonomi yang cenderung mengalami perbaikan

Global and domestic economic growth that is getting

baik global maupun domestik memberikan harapan bagi

better from time to time has boosted the confidence of the

investor dan seluruh pemangku kepentingan lainnya agar

investors and Stakeholders that Bank Sinarmas’ performance

kinerja Bank Sinarmas lebih dioptimalkan. Hal ini turut

will continue to improve. This condition will encourage

berimplikasi pada tuntutan adanya keahlian dan kompetensi

the demand for high expertise and competency from the

bagi jajaran kepemimpinan manajemen, dalam hal ini Dewan

management leaders, in this case, the Board of Commissioners

Komisaris dan Direksi. Guna memenuhi harapan tersebut,

and Board of Directors. In order to fulfill such expectation,

Manajemen sepuhnya mendukung adanya keberagaman

the management fully supports the diversity in the Board

komposisi Dewan Komisaris dan Direksi dengan berbagai

of Commissioners and Board of Directors where they have

keahlian dan kompetensi yang dapat mendukung kemajuan

various expertises and competencies that can develop the

usaha Perseroan. Informasi mengenai keberagaman komposisi

Company’s advancement in business. Information on the

Dewan Komisaris dan Direksi antara lain meliputi kualifikasi

diversity in the Board of Commissioners and Board of Directors

akademik atau pendidikan, usia, serta keahlian adalah sebagai

includes the following academic or educational qualification,

berikut:

age, and expertises:

Tabel kebijakan keberagaman Dewan Komisaris dan Direksi

Table of diversity policy of the Board of Commissioners and Board of Directors

Nama / Name

Jabatan / Position

Keahlian / Expertise

Usia / Age

Jenis Kelamin / Gender

Dewan Komisaris / Board of Commissioners Komisaris Utama / President Commissioner

Ekonomi

53 tahun / years old

Perempuan / Female

Sammy Kristamuljana


Strategi dan Bisnis Internasional


Laki-laki / Male

Rusmin


Bisnis


Laki-laki / Male

Tjendrawati Widjaja


407


Nama / Name


Jabatan / Position




Usia / Age

Jenis Kelamin / Gender

Direksi / Board of Directors Freenyan Liwang


Perdagangan Internasional


Laki-laki / Male

Heru Agus Wuryanto

Direktur / Director

Ekonomi dan Keuangan


Laki-laki / Male

Halim

Direktur / Director

Ekonomi Akuntansi


Laki-laki / Male

Loa Johnny Mailoa

Direktur / Director

Bisnis


Laki-laki / Male

Salis Teguh Hartono


Manajemen


Laki-laki / Male

Hanafi Himawan


Ekonomi


Laki-laki / Male

Soejanto Soetjijo

Direktur / Director

Akuntansi


Laki-laki / Male


Direktur / Director

Administrasi Bisnis


Laki-laki / Male

KOMITE-KOMITE DI BAWAH DEWAN KOMISARIS

COMMITTEES UNDER THE BOARD OF COMMISSIONERS

Dalam melaksanakan fungsi pengawasan, Dewan Komisaris

In conducting their supervisory function, the Board of

dibantu oleh beberapa jajaran Komite di bawah Dewan

Commissioners is assisted by several Committees under the

Komisaris yaitu Komite Audit, Komite Pemantau Risiko,

Board of Commissioners, namely Audit Committee, Risk

Komite Remunerasi dan Nominasi dan Komite Tata Kelola

Monitoring Committee, Remuneration and Nomination

Terintegrasi. Komite di bawah Dewan Komisaris tersebut,

Committee, and GCG Committee. The following chart

diuraikan sebagai berikut:

depicts the composition of Committees under the Board of Commissioners:

Komite-Komite Di Bawah Dewan Komisaris Committees Under The Board of Commissioners

KOMITE AUDIT / Audit Committee

408

KOMITE remunerasi & nominasi / Remuneration & Nomination Committee

KOMITE pemantau risiko / Risk Monitoring Committee

KOMITE Tata Kelola Terintegrasi






KOMITE AUDIT

AUDIT COMMITTEE

Dasar Hukum Pembentukan Komite Audit

Legal Basis of Audit Committee Establishment

Komite Audit dibentuk oleh Dewan Komisaris dan

The Company’s Audit Committee is established by the

menjalankan tugas dan tanggung jawab sesuai dengan

Board of Commissioners and implements its duties and

peraturan-peraturan yang berlaku. Komite Audit dibentuk

responsibilities based on the applicable rules. The Audit

berdasarkan peraturan peraturan/perundangan diantaranya

Committee is established based on the following laws/

sebagai berikut:

regulations:

1. Undang Undang Republik Indonesia No. 40 tahun 2007

1. Law of the Republic Indonesia No. 40 of 2007 regarding

tentang Perseroan Terbatas. 2. Peraturan Bank Indonesia No. 8/4/PBI/2006 tentang

Limited Liability Company. 2. Bank Indonesia Regulation No. 8/4/PBI/2006 on the

Pelaksanaan Good Corporate Governance Bagi Bank

implementation of Good Corporate Governance for

Umum jo Peraturan Bank Indonesia No. 8/14/PBI/2006

Commercial Banks jo Bank Indonesia Regulation No.

tentang Perubahan atas PBI No. 8/4/PBI/2006 Pelaksanaan

8/14/PBI/2006 on Changes on PBI No. 8/4/PBI/2006 on

Good Corporate Governance bagi Bank Umum.

the Implementation of Good Corporate Governance for Commercial Banks.

3. Surat Edaran Bank Indonesia No.15/15/DPNP Tanggal

3. Circular Letter of Bank Indonesia No.15/15/DPNP/dated

29 April 2013 Perihal Pelaksanaan Good Corporate

April 29, 2013 concerning the Implementation of Good

Governance Bagi Bank Umum.

Corporate Governance for Commercial Banks.

4. Peraturan Bapepam Nomor IX.I.5 Tanggal 24 September 2004 Nomor: Kep-29/PM/2004 Perihal Pembentukan dan Pedoman Pelaksanaan Kerja Komite Audit. 5. Peraturan Bapepam Nomor IX.I.5 Tanggal 24 September

4. Bapepam Regulation No. IX.I.5 dated September 24, 2004, No. Kep-29/PM/2004 concerning the Establishment and Work Guidelines of Audit Committee. 5. Bapepam Regulation No. IX.I.5 dated September 24, 2004,

2004 Nomor: Kep-29/PM/2004 Perihal Pembentukan dan

No. Kep-29/PM/2004 concerning the Establishment and

Pedoman Pelaksanaan Kerja Komite Audit.

Work Guidelines of Audit Committee.

6. Peraturan Bapepam Nomor IX.I.15 Tanggal 7 Desember 2012 Nomor: Kep-643/BL/2012 Pembentukan dan Pedoman Pelaksanaan Kerja Komite Audit. 7. Peraturan Otoritas Jasa keuangan (OJK) Nomor : KEP-643/

6. Bapepam Regulation No. IX.I.5 dated December 7, 2012, No. Kep-643/BL/2012 concerning the Establishment and Work Guidelines of Audit Committee. 7. Regulation of Financial Services Authority (OJK) No. KEP-

BL/2012 Perihal Pembentukan dan Pedoman Pelaksanaan

643/BL/2012 concerning the Establishment and Work

Kerja Komite Audit.

Guidelines of Audit Committee.

8. Peraturan Bursa Efek Indonesia (BEI) Nomor I-A Tentang

8. Regulation of Indonesia Stock Exchange (IDX) No. I-A

Pencatatan Saham dan Efek bersifat Ekuitas selain Saham

concerning the Listing of Shares and Equity Securities

yang Diterbitkan oleh Perusahaan tercatat.

Other Than Shares Issued by Listed Companies.

Struktur dan Susunan Anggota Komite Audit

Structure and Composition of Members of Audit Committee

Anggota Komite Audit Bank terdiri dari seorang Komisaris

The Bank’s Audit Committee is composed of one Independent

Independen, seorang dari Pihak Independen yang memiliki

Commissioner, one independent party with expertise in

keahlian di bidang keuangan atau akuntansi dan seorang

finance and accounting fields and one independent party with

dari Pihak Independen yang memiliki keahlian di bidang

expertise in legal and banking fields. Membership of Audit

hukum atau perbankan. Keanggotaan Komite Audit telah

Committee of the Bank has been validated by virtue of Decree

disahkan pada Surat Keputusan SK.002/2015/PRESDIR-CorSec

No. SK.002/2015/PRESDIR-CorSec dated September 28,

tertanggal 28 September 2015 tentang Perubahan Susunan

2015, concerning the Changes in the Composition of Audit

Anggota Komite Audit.

Committee.


409



Tabel susunan keanggotaan Komite Audit Nama / Name



Table of composition of Audit Committee

Jabatan / Position

Masa Jabatan / Term of Office


Ketua / Head

Juli 2014 - sekarang / July 2014 - now

Perbankan, ekonomi / Banking and economics

Ketut Sanjaya

Anggota / Member

Juli 2014 - sekarang / July 2014 - now

Perbankan / Banking

Rusli Prakarsa

Anggota / Member

28 September 2015 - Sekarang / September 28, 2015 - now

Perbankan, ekonomi / Banking and economics

Rusmin

Anggota Komite Audit dapat diberhentikan apabila yang

Members of the Audit Committee can be dismissed when the

bersangkutan berakhir masa jabatan keanggotaannya dan

member’s term of office expires and based on the decision

berdasarkan keputusan Dewan Komisaris, serta diberhentikan

of the Board of Commissioners, when they are unable to

karena tidak memenuhi kinerja yang telah ditetapkan dan/

fulfill the performance standard that has been set and/or

atau tidak kompeten dalam menjalankan tugasnya.

incompetent in doing their duties.

Profil Komite Audit

Profile of Audit Committee

Rusmin - Ketua

Rusmin - Head

Profil Ketua Komite Audit sudah disajikan dalam profil Dewan

Profile of Head of Audit Committee has been presented in the

Komisaris.

profile of Board of Commissioners.

Ketut Sanjaya - Anggota

Ketut Sanjaya - Member

Warga Negara Indonesia, 65 tahun. Bergabung dengan Bank

Indonesian Citizen, 65 years old. Joining Bank Sinarmas

Sinarmas sejak 2011. Sebelumnya menjabat sebagai Komisaris

since 2011. Previously served as a Commissioner for PT Bank

PT Bank Barclays Indonesia dan merupakan Pejabat Karier di

Barclays Indonesia and is a Career Officer in Bank Indonesia

Bank Indonesia dengan posisi: Peneliti Senior Perbankan pada

with the positions: Senior Banking Researcher in 2008 - 2009,

2008-2009, Direktur Pengawasan Bank pada 2007-2008,

Bank Supervision Director in 2007 - 2008, Chairman of Bank

Pemimpin Bank Indonesia cabang Denpasar pada 2004-2007,

Indonesia, Denpasar Branch in 2004 - 2007, Bank Supervisor

Pengawas Bank pada 1994-2004, Pemeriksa Bank pada 1985-

in 1994 - 2004, Bank Examiner in 1985 - 1994 and Credit

1994 dan Analis Kredit pada 1979-1983. Beliau lulus dari

Analyst in 1979 - 1983. He graduated from Padjajaran

Universitas Padjajaran, Bandung pada 1977 jurusan Teknik

University, Bandung, in 1977 majoring in Engineering and

dan Master of Management di ADL Management Education

Master of Management in ADL Management Education

Institute, Boston, USA pada tahun 1984.

Institute, Boston, USA in 1984.

Rusli Prakarsa - Anggota

Rusli Prakarsa - Member

Warga Negara Indonesia, 74 tahun. Bergabung dengan Bank

Indonesian Citizen, 74 years old. Joining Bank Sinarmas

Sinarmas sejak 28 September 2015. Sebelumnya menjabat

since September28, 2015. Previously served as Vice President

sebagai Wakil Presiden Komisaris PT Bank Panin pada 1975 -

Commissioner for PT Bank Panin in 1975 - 2000, President

2000, Presiden Komisaris dan Ketua Tim Pengelola PT Bank

Commissioner and Head of Management Team in PT Bank

International Indonesia pada 2000 - 2002, Anggota Komite

International Indonesia in 2000 - 2002, Audit Committee

Audit PT SMART Tbk pada 2002 - 2010, Anggota Komite

Member for PT SMART Tbk in 2002 - 2010, Audit Committee

Audit PT Indah Kiat Pulp & Paper Tbk pada 2002 - 2013,

Member for PT Indah Kiat Pulp & Paper in 2002 - 2013, Audit

Anggota Komite Audit PT Lontar Papyrus Pulp and Paper

Committee Member for PT Lontar Papyrus Pulp and Paper

Industry pada 2013 - Agustus 2015, Anggota Komite Audit PT

Industry in 2013 - August 2015, audit Committee Member

Duta Pertiwi Tbk pada 01 Sept. 2015 - Sekarang dan anggota

for PT DUta Pertiwi Tbk on September 1, 2015 present and

Komite Audit PT Bumi Serpong Damai Tbk pada 1 September

Audit Committee Member for PT Bumi Serpong Damai Tbk

2015 - Sekarang. Beliau meraih gelar Sarjana Ekonomi dari

on September 01, 2015 - present. He obtained his Bachelor’s

Universitas Sumatera Utara pada tahun 1969.

degree in Economics in the University of North Sumatra in 1969.

410






Keanggotaan Komite Audit telah sesuai dengan yang

The membership of Audit Committee is in accordance with

disyaratkan oleh ketentuan Bank Indonesia tentang

what is required by the provision of Bank Indonesia on the

pelaksanaan GCG dan Piagam Komite Audit.

implementation of GCG and Audit Committee Charter.

Independensi Komite Audit

Independency of Audit Committee

Dalam menjalankan Tugas dan Tanggung Jawabnya, Komite

In conducting their duties and responsibilities, Audit

Audit bertindak secara independen, serta tidak menerima/

Committee acts independently and does not accept

melakukan intervensi dari/kepada Pihak lainnya. Anggota

intervention from or intervene with other Parties. Members

Komite Audit tidak terkait dengan Pemegang Saham, Dewan

of Audit Committee does not have any relationship with the

Komisaris, dan Direksi. Anggota Komite Audit yang berasal

Shareholders, members of Board of Commissioners, and

dari luar Bank tidak memiliki kepentingan serta keterkaitan

members of Board of Directors. Audit Committee members

yang bersifat pribadi sehingga dapat menimbulkan benturan

who come from external parties of the Bank do not have any

kepentingan (conflict of interest) dengan Bank.

personal interest or relation that can rouse conflict of interest with the Bank.

Tabel independensi Komite Audit

Table of Audit Committee’s independency Rusmin

Ketut Sanjaya

Rusli Prakarsa

Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi / Not having financial relationship with members of the Board of Commissioners and Board of Directors

Tidak ada / Nil

Tidak ada / Nil

Tidak ada / Nil

Tidak memiliki hubungan kepemilikan saham di perusahaan / Not having share ownership within the Bank

Tidak ada / Nil

Tidak ada / Nil

Tidak ada / Nil

Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan serta perusahaan afiliasi / Not having any managerial relationship in the Bank, subsidiaries and affiliations

Tidak ada / Nil

Tidak ada / Nil

Tidak ada / Nil

Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau anggota Komite Audit / Not having any familial relationship with the Board of Commissioners, Board of Directors and/or other members of Audit Committee

Tidak ada / Nil

Tidak ada / Nil

Tidak ada / Nil

Tidak menjabat sebagai pengurus partai politik, pejabat dan pemerintah / Not serving as the management of a political party and government officials

Tidak ada / Nil

Tidak ada / Nil

Tidak ada / Nil

Aspek Independensi

Piagam Komite Audit

Audit Committee Charter

Dalam melaksanakan tugas dan tanggung jawab untuk

In carrying out the duties and responsibilities for controlling

melakukan kontrol dan pengkajian terhadap organisasi

and reviewing the internal organization of the Bank, the Audit

internal Bank, maka dalam melaksanakan kewajibannya,

Committee has established a work guideline that is set in the

Komite Audit telah dilengkapi dengan pedoman kerja yang

Audit Committee Charter. The Charter consists of, among

ditetapkan dalam Piagam Komite Audit. Piagam Komite

others, duties and responsibilities of the committee and the

Audit berisi antara lain mengenai tugas dan tanggung jawab

description on the work procedure and authority of the Audit

komite, uraian prosedur kerja dan kewenangan dari Komite

Committee. The Audit Committee Charter is drafted based

Audit. Piagam Komite Audit tersebut disusun berdasarkan

on the prevailing laws and regulations, and was reviewed

peraturan dan undang-undang yang berlaku dan senantiasa

periodically in 2012. The last amendment to the Charter was

ditinjau ulang secara berkala pada tahun 2012 dan mengalami

stipulated in the Audit Charter Rev.01/2015 that had been

perubahan terakhir yaitu Piagam Audit Rev.01/2015 yang

approved on December 31, 2015. The Audit Committee

telah disahkan tertanggal 31 Desember 2015. Piagam Komite

Charter consists of:

Audit berisi : 1. Pembentukan

1. Establishment

2. Dasar Hukum

2. Legal Basis

3. Susunan dan Syarat Anggota

3. Composition and Requirements for Members


411





4. Pengangkatan atau Pemberhentian

4. Appointment and Dismissal

5. Tugas dan Tanggung Jawab

5. Duties and Responsibilities

6. Wewenang

6. Authority

7. Masa Tugas

7. Tenure

8. Kode Etik

8. Code of Conduct

9. Tata Cara dan Prosedur Kerja

9. Work Guideline and Procedure

10. Ketentuan Rapat

10. Meeting’s Regulations

11. Pelaporan

11. Reporting

12. Masa Berlaku Piagam

12. Validity of the Charter

13. Penanganan dan Pengaduan pada Pelaporan Keuangan

13. Management of and Complaint in the Financial Reporting Procedure



Komite Audit bertanggung jawab kepada Dewan Komisaris

Audit Committee is responsible to the Board of Commissioners

terkait melakukan kontrol dan pengkajian terhadap organisasi

in relation to the controlling and reviewing functions on

internal bank meliputi akuntansi dan pelaporan keuangan

the internal organization of the Bank, encompassing the

serta proses audit internal dan eksternal, mengidentifikasi

accounting and financial reporting procedure, as well as

hal-hal yang memerlukan perhatian Dewan Komisaris, dan

the internal and external audit processes. Furthermore, the

memberikan rekomendasi kepada Dewan Komisaris. Tugas

Audit Committee also functions to identify matters that

dan Tanggung Jawab Komite Audit antara lain meliputi

require Board of Commissioners’ attention and to provide

namun tidak terbatas pada:

recommendations to the Board of Commissioners. Duties and Responsibilities of Audit Committee cover, but not limited to, the following points:

1. Melakukan penelaahan atas informasi keuangan yang

1. Reviewing financial information to be disclosed by the

akan dikeluarkan Perseroan kepada publik dan/atau

Bank to the public and/or authorities. The financial

pihak otoritas antara lain laporan keuangan, proyeksi,

information to be disclosed covers the financial

dan laporan lainnya terkait dengan informasi keuangan

statements, projections, and other reports related to the

Perseroan. 2. Melakukan penelaahan atas ketaatan terhadap peraturan perundang-undangan yang berhubungan dengan kegiatan

Bank’s financial information; 2. Reviewing the compliance of the Bank with the laws and regulations related to the Bank’s business activities;

Perseroan; 3. Memberikan pendapat independen dalam hal terjadi perbedaan pendapat antara manajemen dan Akuntan atas jasa yang diberikannya; 4. Memberikan rekomendasi kepada Dewan Komisaris

3. Giving independent opinions in the event of dissenting opinion existing between the management and the Accountants regarding their rendered services; 4. Providing recommendations to the Board of

mengenai penunjukan Akuntan yang didasarkan kepada

Commissioners regarding the appointment of

independensi, ruang lingkup penugasan, dan fee;

Accountants. The recommendations are based on the independency, scope of assignment, and fee;

5. Melakukan penelaahan atas pelaksanaan pemeriksaan

5. Reviewing the audit results of internal auditors and

oleh auditor internal dan mengawasi pelaksanaan tindak

supervising the follow-ups of the internal audit results

lanjut oleh Direksi atas temuan auditor internal;

carried out by the Board of Directors;

6. Melakukan penelaahan terhadap aktivitas pelaksanaan

6. Reviewing the implementation of risk management

manajemen risiko yang dilakukan oleh Direksi, jika

activities conducted by the Board of Directors, in the event

Perseroan tidak memiliki fungsi pemantau risiko di bawah

of the Bank does not have risk oversight function under

Dewan Komisaris;


7. Menelaah pengaduan yang berkaitan dengan proses akuntansi dan pelaporan keuangan Perseroan;

412

7. Reviewing the complaints related to the accounting process and financial reporting of the Bank;




8. Menelaah dan memberikan saran kepada Dewan



8. Reviewing the potential of conflict of interest faced by

Komisaris terkait dengan adanya potensi benturan

the Bank and providing recommendations to the Board of

kepentingan Perseroan;

Commissioners related to such matters;

9. Menjaga kerahasiaan dokumen, data dan informasi Perseroan

9. Keeping the confidentiality of documents, data and information of the Bank.

Wewenang Komite Audit

Authority of Audit Committee

Dalam melaksanakan tugasnya, Komite Audit memiliki

In conducting their duties, the Audit Committee has authority

wewenang sebagai berikut :

as follows:

• Memperoleh dokumen, data, dan informasi tentang

• Obtain documents, data and information regarding the

Perseroan yang berkaitan dengan pengendalian intern. • Melakukan koordinasi dengan Satuan Kerja Audit Internal atau unit kerja lainnya apabila diperlukan. Laporan Singkat Pelaksanaan Tugas Tahun Berjalan

Bank that are related to the internal control. • Coordinate with the Internal Audit Work Unit or other work units if deemed necessary. Brief Report of the Implementation of Duties in the Current Year

Selama periode 2015, Komite Audit telah melakukan

During 2015, the Audit Committee has performed the

tindakan-tindakan antara lain:

following actions:

1. Menerima laporan audit Mulyamin, Sensi, Suryanto, dan

1 Received audit report Mulyamin, Sensi, Suryanto, and

Lianny atas Laporan Keuangan Bank Sinarmas tahun 2014.

Lianny on the Financial Statement of Bank Sinarmas in 2014.

2. Mengkaji dan memantau proses tindak lanjut atas laporanlaporan hasil audit internal. 3. Membahas dan merekomendasikan usulan pemilihan

2. Reviewed and monitored the follow-up process on the results of internal audit reports. 3. Discussed and provided recommendation on the selection

Kantor Akuntan Publik Mulyamin, Sensi, Suryanto & Lianny

of Public Accountant Mulyamin, Sensi, Suryanto & Lianny

kepada Dewan Komisaris untuk melakukan audit laporan

to the Board of Commissioners to carry out audit on the

keuangan Bank untuk periode 2015. 4. Melakukan pertemuan dengan Kantor Akuntan Publik

Bank’s financial statements for the 2015 period. 4. Organized meetings with the Public Accountant Mulyamin,

Mulyamin, Sensi, Suryanto, dan Lianny untuk membahas

Sensi, Suryanto, and Lianny to discuss scope of audit on

cakupan audit atas Laporan Keuangan Bank Sinarmas

the Financial Statement of Bank Sinarmas in 2015 fiscal

tahun buku 2015. 5. Menerima dan menindaklanjuti hasil audit Otoritas Jasa Keuangan (d/h) Bank Indonesia. 6. Menyampaikan hasil pemantauan dan rekomendasi

year. 5. Received and followed-up the audit result of Financial Services Authority (d/h) Bank Indonesia. 6. Submitted the result of monitoring and recommendation

Komite Audit dalam bentuk Memorandum kepada Dewan

of Audit Committee in the form of Memorandum to the

Komisaris.

Board of Commissioners.

7. Menerima rangkuman rencana kerja SKAI tahun 2016.

7. Received the summary of SKAI work plan for 2016

Frekuensi dan Tingkat Kehadiran Rapat Komite Audit

Frequency and Attendance Rate of Audit Committee Meeting

Berdasarkan ketentuan rapat dalam Piagam Audit

Pursuant to the meeting stipulation in the Audit Committee

Rev.01/2015 yang telah disahkan tertanggal 31 Desember

Charter Rev.01/2015, validated on December 31, 2015,

2015, rapat komite diselenggarakan sekurang-kurangnya 1

meeting of the committee is held, at the very least, once in 3

(satu) kali dalam 3 (tiga) bulan. Selama tahun 2015, Komite

(three) months. During 2015, the Audit Committee held 6 (six)

Audit telah mengadakan rapat sebanyak 6 (enam) kali dengan

meetings with the attendance and frequency as follows:

rekap absensi rapat sebagai berikut:


413



Tabel kehadiran rapat Komite Audit No



Table of meeting attendance of Audit Committee

Nama / Name

Jabatan / Position


Ketua / Head

6/6

1

Rusmin

2

Edwin Hidayat Abdullah*

Anggota / Member

3/3

3

Agustinus Antonius**

Anggota / Member

4/4

4

Ketut Sanjaya

Anggota / Member

6/6

5

Rusli Prakarsa***

Anggota / Member

2/2

*mengundurkan diri efektif sejak 27 Juli 2015 **mengundurkan diri efektif sejak 7 Agustus 2015 ***efektif menjabat sebagai anggota Komite Audit sejak 28 September 2015

* resign from his position effective since July 27, 2015 ** resign from his position effective since August 7, 2015 *** effectively serving as the member of Audit Committee since September 28, 2015

Tabel rekap absensi rapat Komite Audit

Table of absence list of Audit Committee Komite Audit / Audit Committee

Tanggal / Date

Rusmin

Ketut Sanjaya




√

√

√

√


√

√

√

√

16 April 2015 / April 16, 2015

√

√

√

√


√

√


√

√


√

√

Rusli Prakarsa***

Belum menjabat sebagai anggota Komite Audit / Have not been serving as a member of Audit Committee

√ Mengundurkan diri / Resign

Mengundurkan diri / Resign

√ √

*mengundurkan diri efektif sejak 27 Juli 2015 **mengundurkan diri efektif sejak 7 Agustus 2015 ***efektif menjabat sebagai anggota Komite Audit sejak 28 September 2015

* resign from his position effective since July 27, 2015 ** resign from his position effective since August 7, 2015 *** effectively serving as the member of Audit Committee since September 28, 2015

Agenda Rapat Komite Audit

Meeting Agenda of Audit Committee

Agenda rapat Komite audit di tahun 2015, diantaranya

Meeting of Audit Committee during 2015 discussed the

membahas sebagai berikut :

following agenda:

Tanggal / Date

Notulen


RR No.001/2015/KA

Agenda Rapat / Meeting Agenda Tindaklanjut Rekomendasi atas hasil rapat tanggal 10 Oktober 2014 / Follow-up on the Recommendations of meeting’s decision on October 10, 2014 Informasi Fraud di KC Denpasar / Information on Fraud in Denpasar Branch Office Pokok-pokok Hasil Pemeriksaan SKAI - Triwulan IV/2014 Pembahasan terkait surat OJK No.S-77/PB.331/2014 perihal Laporan Hasil Kaji Ulang Pihak Ekstern Atas Kinerja SKAI PT. Bank Sinarmas Tbk. Discussion on OJK letter No. S-77/PB.331/2014 concerning Report on the Results of External Party’s Review on the Performance of SKAI PT. Bank Sinarmas Tbk.

414



Tanggal / Date


Notulen



Agenda Rapat / Meeting Agenda Pembahasan terkait surat OJK No.S-73/PB.33/2014 perihal Laporan Hasil Pemeriksaan Umum PT. Bank Sinarmas Tbk. posisi 31 Januari 2014 / Discussion on OJK letter No. S-73/PB.33/2014 concerning Report on the Results of General Assessment of PT. Bank Sinarmas Tbk. on January 31, 2014 Pembahasan terkait surat OJK No.S-96/PB.331/2014 perihal Laporan Final Audit dan Management Letter dari KAP posisi 31 Desember 2013 / Discussion on OJK letter No. S-96/PB.331/2014 concerning Final Report on Audit and Management Letter from KAP on December 31, 2013 Penunjukan KAP / Appointment of Public Accounting Firm

27 Februari 2015 / February 27, 2015 16 April 2015 / April 16, 2015

RR No.002/2015/KA

Hasil Temuan KAP Atas Audit Laporan Keuangan Tahun 2014 / Findings of Public Accounting Firm in the Audit of 2014 Financial Statements

Tindaklanjut Memo Rekomendasi Dewan Komisaris terkait hasil rapat Komite Audit tanggal 16 Januari 2015 / Follow-up on the Memo of the Recommendations RR No.003/2015/KA of the Board of Commissioners related to the meeting decisions of Audit Committee on January 16, 2015 Tindaklanjut surat OJK perihal Laporan Hasil Kaji Ulang Pihak Ekstern atas Kinerja SKAI / Follow-up on the Letter from OJK concerning the Report of External Party’s Review on the Performance of SKAI Tindaklanjut surat OJK perihal Laporan Final Audit dan Management Letter dari KAP posisi 31 Desember 2013 / Follow-up on the Letter from OJK concerning the Final Report of Audit and Management Letter from Public Accounting Firm on December 31, 2013 Hasil Pemeriksaan SKAI Triwulan I-2015 / Audit Results of SKAI for Q1 of 2015


Tindaklanjut Memo Rekomendasi Dewan Komisaris terkait hasil rapat Komite Audit tanggal 17 April 2015 / Follow-up on the Memo of the Recommendations of RR No.004/2015/KA the Board of Commissioners related to the meeting decisions of Audit Committee on April 17, 2015 Tindaklanjut surat OJK perihal Laporan Hasil Kaji Ulang Pihak Ekstern atas Kinerja SKAI / Follow-up on the Letter from OJK concerning the Report of External Party’s Review on the Performance of SKAI Tindaklanjut surat OJK perihal Final Audit dan Management Letter dari KAP posisi 31 Desember 2013 / Follow-up on the Letter from OJK concerning the Final Report of Audit and Management Letter from Public Accounting Firm on December 31, 2013 Hasil Pemeriksaan OJK pada Bank Sinarmas / Result of OJK Assessment on Bank Sinarmas Hasil Pemeriksaan SKAI / Audit Results of SKAI


Tindaklanjut Memo Rekomendasi Dewan Komisaris terkait hasil rapat Komite Audit 6 Agustus 2015 / Follow-up on the Memo of the Recommendations of the RR No.005/2015/KA Board of Commissioners related to the meeting decisions of Audit Committee on August 6, 2015 Tindaklanjut Penyelesaian Temuan OJK (target date s.d September 2015) / Followup on the Settlement of OJK’s Findings (target date: up to September 2015) Tindaklanjut Pemeriksaan SKAI Triwulan I/2015


415


Tanggal / Date



Notulen


Agenda Rapat / Meeting Agenda Hasil Pemeriksaan SKAI Triwulan III/2015/ Audit Results of SKAI for Q3 of 2015 Usulan Format Pre-Audit Checklist / Recommendations for the Format of Pre-Audit Checklist


RR No.006/2015/KA

Audit Laporan Keuangan PT. Bank Sinarmas Tbk. Tahun 2015 oleh Kantor Akuntan Publik

Rekomendasi Komite Audit Kepada Dewan Komisaris

Audit Committee Recommendations to the Board of Commissioners

Sesuai dengan Piagam Audit Rev.01/2015 yang telah disahkan

In line with the Audit Committee Charter Rev.01/2015 that

tertanggal 31 Desember 2015, salah satu tugas Komite Audit

had been validated on December 31, 2015, one of the duties

adalah memberikan rekomendasi kepada Dewan komisaris

of Audit Committee is to provide recommendations to the

terkait dengan kontrol terhadap organisasi internal Bank.

Board of Commissioners related to the control of the Bank’s internal organizations.

Tabel rekomendasi Komite Audit terhadap Dewan Komisaris

Table of recommendations of Audit Committee to the Board of Commissioners

Tanggal / Dated

No. Memo

Perihal / Topic


M.002/2015/PRESKOM-KA

Laporan Hasil Rapat Komite Audit Tanggal 16 Januari 2015 / Report on the meeting decision of Audit Committee on January 16, 2015

2 Maret 2015 / March 2, 2015


Laporan Hasil Rapat Komite Audit dan KAP Tanggal 27 Februari 2015 / Report on the meeting decision of Audit Committee and Public Accounting Firm on February 27, 2015

5 Mei 2015 / May 5, 2015

M.015A/2015/PRESKOM-KA

Laporan Hasil Rapat Komite Audit Tanggal 17 April 2015 / Report on the meeting decision of Audit Committee on April 17, 2015

19 Agustus 2015 / August 19, 2015


Laporan Hasil Rapat Komite Audit Tanggal 6 Agustus 2015 / Report on the meeting decision of Audit Committee on August 6, 2015



Laporan Hasil Rapat Komite Audit Tanggal 22 Oktober 2015 / Report on the meeting decision of Audit Committee on October 22, 2015



Laporan Hasil Rapat Komite Audit dan KAP Tanggal 29 Oktober 2015 / Report on the meeting decision of Audit Committee and Public Accounting Firm on October 29, 2015

KOMITE PEMANTAU RISIKO

RISK MONITORING COMMITTEE

Komite Pemantau Risiko dibentuk oleh Dewan Komisaris dan

Risk Monitoring Committee is established by the Board of

menjalankan tugasnya sesuai peraturan, di antaranya adalah

Commissioners and performs its duties in accordance with the

sebagai berikut:

regulations, as follows:

1. Undang-undang No. 40 tahun 2007 tentang Perseroan

1. Law No. 40 of 2007 concerning Limited Liability Company.

Terbatas. 2. Peraturan Bank Indonesia Nomor: 8/4/2006 Tentang Pelaksanaan Good Corporate Governance.

2. Regulation of Bank Indonesia No. 8/4/2006 concerning the Implementation of Good Corporate Governance.

3. Peraturan Bank Indonesia Nomor: 8/14/2006 Tentang

3. Regulation of Bank Indonesia No. 8/14/2006 concerning

Perubahan Atas Peraturan Bank Indonesia Nomor:

the Amendment to the Regulation of Bank Indonesia

8/4/2006 Tentang Pelaksanaan Good Corporate

No. 8/4/2006 concerning the Implementation of Good

Governance.

Corporate Governance.

416






Melalui slogan “Solusi Perbankan Anda”, Serve and Respect, dan We Always Care, kami senantiasa melayani dan memenuhi kebutuhan nasabah dengan senang hati.

Through the slogan “Solusi Perbankan Anda” (“Your Banking Solution), Serve and Respect, and We Always Care”, we are pleased to continuously serve and fulfill our customers’ needs.

4. Surat Edaran Bank Indonesia No. 15/15/DPNP Tanggal

4. Circular Letter of Bank Indonesia No. 15/15/DPNP dated

29 April 2013 Perihal Surat Edaran kepada Semua Bank

April 29, 2013 concerning the Circular Letter to All

Umum Konvensional di Indonesia.

Conventional Public Banks in Indonesia.

Komite Pemantau Risiko dibentuk untuk mendukung

The Risk Monitoring Committee functions to assist the duties

pelaksanaan fungsi Dewan Komisaris dalam mengawasi

of the Board of Commissioners in supervising the effectiveness

efektivitas proses manajemen risiko meliputi proses

of risk management process, which covers the identification,

identifikasi, pengukuran, pemantauan, dan pengendalian

measurement, supervision and control of risks in the Bank.

risiko pada Bank. Komite Pemantau Risiko berkoordinasi

The Risk Monitoring Committee coordinates with the Risk

dengan Komite Manajemen Risiko dan Satuan Kerja

Management Committee and Risk Management Work Unit.

Manajemen Risiko. Struktur dan Susunan Komite Pemantau Risiko

Structure and Composition of Risk Monitoring Committee

Anggota Komite Pemantau Risiko Bank terdiri dari seorang

The Bank’s Risk Monitoring Committee is composed of

Komisaris Independen, seorang dari Pihak Independen yang

one Independent Commissioner, one independent party

memiliki keahlian di bidang keuangan atau akuntansi dan

with expertise in finance and accounting fields, and one

seorang dari Pihak Independen yang memiliki keahlian di

independent party with expertise in risk management field.

bidang manajemen risiko. Keanggotaan Komite Pemantau

Membership of Risk Monitoring Committee of the Bank has

Risiko telah disahkan pada Surat Keputusan SK.023/2015/

been validated by virtue of Decree No. SK.023/2015/PRESDIR-

PRESDIR-CorSec tentang Perubahan Susunan Anggota Komite

CorSec dated September 28, 2015, concerning the Changes

Pemantau Risiko tertanggal 28 September 2015.

in the Composition of Risk Monitoring Committee.


417



Tabel struktur dan susunan Komite Pemantau Risiko



Table of structure and composition of Risk Monitoring Committee

Nama / Name

Posisi / Position

Periode Jabatan / Period of Service


Ketua / Head

Juli 2014 - Sekarang / July 2014 - now

• Ekonomi / Economy • Akuntansi / Accounting • Manajemen & Strategi Bisnis / Management & Business Strategy

Tjendrawati Widjaja

Anggota / Member


• Ekonomi / Economy • Keuangan / Finance • Perbankan / Banking

Ketut Sanjaya

Anggota / Member

2014 - Sekarang / 2014 - now

• Manajemen / Management • Perbankan / Banking

Rusli Prakarsa

Anggota / Member

2015 - Sekarang / 2015 - now

• Ekonomi / Economy • Perbankan / Banking

Sammy Kristamuljana

Profil Komite Pemantau Risiko

Profile of Risk Monitoring Committee

Sammy Kristamuljana - Ketua

Sammy Kristamuljana - Head

Profil Ketua Komite sudah disajikan dalam profil Dewan

Profile of Head of Committee has been presented in the Board

Komisaris.

of Commissioners’ profile.

Tjendrawati Widjaja - Anggota

Tjendrawati Widjaja - Member

Profil anggota Komite sudah disajikan dalam profil Dewan

Profile of the Committee member has been presented in the

Komisaris.

Profile of the Board of Commissioners

Ketut Sanjaya - Anggota

Ketut Sanjaya - Member

Profil anggota Komite sudah disajikan dalam profil anggota


Komite Audit.


Rusli Prakarsa - Anggota

Rusli Prakarsa - Member

Profil anggota Komite sudah disajikan dalam profil anggota


Komite Audit.


Keanggotaan Komite Pemantau Risiko telah sesuai dengan

Membership of the Risk Monitoring Committee is in

yang disyaratkan oleh ketentuan Bank Indonesia tentang

accordance with the requirements of Bank Indonesia

pelaksanaan GCG dan Piagam Komite Pemantau Risiko.

Provision on the implementation of GCG and Risk Monitoring Committee Charter.

Independensi Komite Pemantau Risiko

Independency of Risk Monitoring Committee


In carrying out its duties and responsibilities, Risk Monitoring

Pemantau Risiko bertindak secara independen, serta tidak

Committee acts independently, and does not intervene /

menerima/melakukan intervensi dari/kepada Pihak lainnya.

intervened to/from other parties. Members of Risk Monitoring

Anggota Komite Pemantau Risiko tidak terkait dengan

Committee do not related to Shareholders, Board of

Pemegang Saham, Dewan Komisaris, dan Direksi. Anggota

Commissioners, and Board of Directors. Members who are

Komite Pemantau Risiko yang berasal dari luar Bank tidak

originated from outside the Bank do not have personal

memiliki kepentingan serta keterkaitan yang bersifat pribadi

interest and relation that may cause conflict of interest with

sehingga dapat menimbulkan benturan kepentingan (conflict

the Bank.

of interest) dengan Bank.

418






Independensi Komite Audit telah memenuhi ketentuan Bank

Independency of Audit Committee has met the provision of

Indonesia tentang pelaksanaan GCG antara lain:

Bank Indonesia on the implementation of GCG among others:

Aspek Independensi / Aspect of Independency

Sammy Kristamuljana

Tjendrawati Widjaja

Ketut Sanjaya

Rusli Prakarsa

Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi / No financial relations with the Board of Commissioners and Board of Directors

Tidak ada / Nill

Tidak ada / Nill

Tidak ada / Nill

Tidak ada / Nill

Tidak memiliki hubungan kepemilikan saham di perusahaan / No share ownership relations in the Company

Tidak ada / Nill

Tidak ada / Nill

Tidak ada / Nill

Tidak ada / Nill

Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan serta perusahaan afiliasi / No management relations in the Company, subsidiaries, and affiliated companies.

Tidak ada / Nill

Tidak ada / Nill

Tidak ada / Nill

Tidak ada / Nill

Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau anggota Komite Audit / No family relations with the Board of Commissioners, Board of Directors, and/or Audit Committee members.

Tidak ada / Nill

Tidak ada / Nill

Tidak ada / Nill

Tidak ada / Nill

Tidak menjabat sebagai pengurus partai politik, pejabat dan pemerintah / Does not serve as management of political parties, officials and governments

Tidak ada / Nill

Tidak ada / Nill

Tidak ada / Nill

Tidak ada / Nill

Piagam Komite Pemantau Risiko

Risk Monitoring Committee Charter


In carrying out its duties and responsibilities to control

melakukan kontrol dan pengkajian terhadap atas profil

and review the bank risk profile comprehensively, the Risk

risiko bank secara komprehensif, maka dalam melaksanakan

Monitoring Committee is equipped with working guideline

kewajibannya, Komite Pemantau Risiko telah dilengkapi

that is set in Risk Monitoring Committee Charter. The Charter

dengan pedoman kerja yang ditetapkan dalam Piagam Komite

contains duties and responsibilities, and description of working

Pemantau Risiko. Piagam Komite Pemantau Risiko berisi

procedures and authorities of Risk Monitoring Committee.

antara lain mengenai tugas dan tanggung jawab komite,

This Charter is composed based on the prevailing laws and

uraian mengenai prosedur kerja dan kewenangan dari Komite

regulations and has been periodically reviewed in 2012. The

Pemantau Risiko. Piagam Komite Pemantau Risiko tersebut

latest change was Risk Monitoring Charter Rev.01/2015 that

disusun berdasarkan peraturan dan undang-undang yang

has been validated on December 31, 2015. Risk Monitoring

berlaku dan ditinjau ulang secara berkala pada tahun 2012


dan mengalami perubahan terakhir yaitu Piagam Pemantau Risiko Rev.01/2015 yang telah disahkan tertanggal 31 Desember 2015. Piagam Komite Pemantau Risiko berisi: 1. Pembentukan dan Dasar Hukum

1. Establishment and Legal Basis

2. Susunan dan Syarat Keanggotaan

2. Composition and Membership Requirements

3. Pengangkatan dan Pemberhentian




5. Wewenang dan Masa Tugas

5. Authorities and Term of Office

6. Kode Etik

6. Code of Conduct

7. Tata cara dan Prosedur Kerja

7. Working Procedures

8. Ketentuan Rapat

8. Meeting Provisions

9. Pelaporan

9. Reporting

10. Masa Berlaku Piagam

10. Period of Charter


419







Komite Pemantau Risiko bertanggung jawab kepada Dewan

Risk Monitoring Committee is responsible to the Board of

Komisaris terkait melakukan kontrol dan pengkajian atas profil

Commissioners concerning control and review of bank risk

risiko bank secara komprehensif, mengidentifikasi hal-hal yang

profile comprehensively, identification of matters that require

memerlukan perhatian Dewan Komisaris, dan memberikan

attention from the Board of Commissioners, and provides

rekomendasi kepada Dewan Komisaris, Tugas dan Tanggung

recommendation to the Board of Commissioners. Duties

Jawab Komite Pemantau Risiko antara lain meliputi namun

and Responsibilities of Risk Monitoring Committee cover the

tidak terbatas pada :

following but not limited to:

• Memberikan Rekomendasi kepada Dewan Komisaris

• Providing recommendation to the Board of Commissioners

dalam rangka meningkatkan efektivitas Bank, terkait:

to improve the Bank effectiveness related to: evaluation

evaluasi tentang kesesuaian antara kebijakan manajemen

of conformity between risk management policy and the

risiko dengan pelaksanaan kebijakan tersebut. • pemantauan dan evaluasi pelaksanaan tugas Komite

implementation of the policy. • Monitoring and evaluating the implementation of duties

Manajemen Risiko dan Satuan Kerja Manajemen Risiko

of Risk Management Committee and Risk Management

(SKMR).

Working Unit (SKMR).

Wewenang Komite Pemantau Risiko

Authorities of Risk Monitoring Committee

Dalam melaksanakan tugasnya, Komite Pemantau Risiko

Authorities of Risk Monitoring Committee are as follows:

memiliki wewenang sebagai berikut : 1. Memperoleh dokumen, data, dan informasi tentang Perseroan yang berkaitan dengan pengendalian intern. 2. Melakukan koordinasi dengan SKMR atau unit kerja lainnya apabila diperlukan.

1. Obtaining documents, data, and information on the Company relating to internal control. 2. Performing coordination with SKMR or other working units if necessary.

Laporan Singkat Pelaksanaan Tugas Komite Pemantau

Brief Report of the Duty Implementation of Risk

Risiko

Monitoring Committee

Program kerja Komite Pemantau Risiko difokuskan untuk

Risk Monitoring Committee’s work program focuses on

mengevaluasi konsistensi dan kecukupan antara kebijakan

evaluating the consistency and adequacy between risk

manajemen risiko serta implementasi dari kebijakan tersebut.

management policy and the implementation of such policy.

Hasil dari evaluasi dan pemantauan yang dilakukan akan

Results of evaluation and monitoring that have been carried

disampaikan dalam bentuk rekomendasi kepada Dewan

out will be submitted in the form of recommendation to the

Komisaris.


Selama 2015, Komite Pemantau Risiko telah melaksanakan

During 2015, the Risk Monitoring Committee has

program sebagai berikut:

implemented the following programs:

1. Melakukan evaluasi terhadap :

1. Evaluation on :

a. Laporan Keuangan 2014

a. 2014 Financial Statement

b. Laporan Keuangan Kwartalan 2014

b. 2014 Quarterly Financial Statement

c. Laporan Kepatuhan 2014

c. 2014 Compliance Report

d. Peraturan-peraturan internal yang terkait dengan

d. Internal rules which are related to the implementation

pelaksanaan manajemen risiko 2. Melakukan pemantauan terhadap strategi dan

of risk management 2. Carry out monitoring on strategy and implementation

implementasi dalam meningkatkan peringkat Tingkat

in improving the rank of Bank’s Health Index as well as

Kesehatan Bank serta memberikan rekomendasi terhadap

to provide recommendation on parameters (Risk Profile,

parameter-parameter (Profil Risiko, GCG, Rentabilitas,

GCG, Profitability, and Capital) which needs to be focused.

Permodalan) yang perlu menjadi perhatian.

420




3. Mempelajari dan memahami regulasi yang mengatur



3. Study and understand the regulation that regulates the

pelaksanaan manajemen risiko serta memastikan bahwa

implementation of risk management as well as to ensure

Bank telah mengimplementasikan regulasi tersebut.

that the Bank has implemented such regulation.

4. Memahami risiko-risiko yang dihadapi Bank dan

4. Understand that risks faced by the bank and provide clear

memberikan arahan yang jelas, melakukan pengawasan

guidance, actively perform supervision and mitigation as

dan mitigasi secara aktif serta mengembangkan budaya

well as develop risk management culture in the entire

manajemen risiko pada seluruh unit kerja.

work unit.

5. Membahas antisipasi pengendalian risiko dalam hal-hal

5. Discuss the anticipation of risk control for special matters,

yang bersifat khusus, antara lain rencana pengembangan

among others, the development plan of office network

jaringan kantor dan pengembangan Teknologi Sistem

and the development of Information Technology (TSI).

Informasi (TSI). 6. Mengintensifkan komunikasi dengan unit-unit dalam Bank

6. Intensify the communication with units in the Bank or

maupun pihak luar yang relevan dalam rangka mencari

relevant external parties in order to seek better and more

bentuk pelaksanaan tugas yang lebih baik dan efektif.

effective duty implementation.

7. Melakukan pengawasan terhadap seluruh eksposur

7. Perform supervision on the entire risk exposure, with

risiko, dengan prioritas pada eksposur risiko kredit,

priority to the credit risk exposure, operational risk, which

risiko operasional, yang dilakukan antara lain dengan

is conducted among others by performing tight monitoring

melakukan pemantauan secara ketat atas perkembangan

on credit and business development to improve credit

kredit dan usaha untuk memperbaiki kualitas kredit serta

quality as well as monitoring on the follow-up of findings

pemantauan terhadap tindak lanjut temuan berulang oleh

by SKAI or External Audit. Supervision is conducted to the

SKAI atau Audit Eksternal. Pengawasan dilakukan pula

entire activities and Treasury portfolio owned by the Bank.

terhadap seluruh aktivitas dan portofolio Treasury yang dimiliki Bank. 8. Melakukan pengawasan terhadap realisasi rencana Bisnis

8. Perform supervision on the realization of the Bank’s

Bank, khususnya dalam menghadapi lingkungan bisnis

Business plan, especially in facing the business

yang dihadapkan pada perekonomian global.

environment against global economy

9. Melakukan evaluasi dan memberikan masukan kepada

9. Perform evaluation and provide inputs to the Board of

Dewan Komisaris terhadap transaksi atau kegiatan

Commissioners on transaction or business activity which

usaha yang berpotensi menimbulkan risiko, untuk dapat

potentially cause risks to occur, in order to be used by the

digunakan oleh Dewan Komisaris sebagai dasar untuk

Board of Commissioners as basis for decision-making.

pengambilan keputusan. 10. Memberikan masukan terhadap implementasi BASEL

10. Provide input on the implementation of BASEL II, BASEL

II, BASEL III, dan implementasi PSAK 50 dan 55 serta

III, and implementation of PSAK 50 and 55 as well as

mengantisipasi dampaknya terhadap aktivitas usaha Bank,

anticipate its impact on the Bank’s business activity, capital

kecukupan modal dan kesiapan infrastruktur.

adequacy and infrastructure readiness.

Adapun rekomendasi yang diberikan kepada Dewan Komisaris

The following are the recommendations provided to the Board

sehubungan dengan telah dilaksanakannya program kerja

of Commissioners in connection with the implementation of

tersebut antara lain:

such work programs:

1. Perlunya ditingkatkan mekanisme sistem pengawasan dan

1. The need for improved mechanism of supervision system

sistem monitoring kredit, khususnya kredit dengan skema channeling dan consumer loan. 2. Perlunya peningkatan pelaksanaan pemantauan aktivitas transaksi fasilitas ekspor impor kepada nasabah.

and credit monitoring system, especially credit with channeling and consumer loan scheme. 2. The need for improvement on the implementation of supervision on activity of export import transaction to the customer.

3. Memaksimalkan monitoring dan meminimalkan potensi

3. Maximize the monitoring and minimize the potential of

kerugian dengan cara meningkatkan efektivitas Sistem

loss by improving the effectiveness of Risk Management

Informasi Manajemen Risiko untuk risiko pasar dan

Information System for market and liquidity risks.

likuditas.


421



4. Minimalisasi potensi risiko operasional akibat kesalahan yang dilakukan oleh petugas pelaporan (human error).



4. Minimize operational risk potential due to mistakes conducted by officer at whistleblowing division (human error).

5. Untuk perbaikan kualitas kerja yang berkesinambungan, maka perlunya diskusi yang intensif dengan pihak Regulator terkait penilaian tingkat kesehatan Bank. 6. Bank harus melakukan perbaikan total dalam mewujudkan Tingkat Kesehatan Bank yang ideal. 7. Pelaksanaan budaya Sadar Risiko harus lebih ditingkatkan

5. For the improvement of sustainable work quality, intensive discussion with the Regulators regarding the assessment of the Bank’s health index is needed. 6. The Bank has to perform total improvement in realizing the ideal Bank’s Health Index. 7. Implementation of Risk Awareness culture shall be

sebagai salah satu bentuk mitigasi risiko, dari level

improved as one of the risk mitigation form, from the

tertinggi hingga terendah.

highest to lowest level.

8. SKMR harus menjadi partner bagi unit kerja lain untuk mencapai tujuan bersama sesuai dengan arahan pihak Manajemen.

8. SKMR must be the partner for other working unit to reach mutual target in accordance with the guidance of the Management.

9. Perlunya perbaikan aspek Kualitas Penerapan Manajemen

9. The need for improvement of Risk Management

Risiko, khususnya untuk nilai parameter yang peringkatnya

Implementation Quality aspect, especially for the

masih perlu ditingkatkan.

parameter value whose rank needs to be improved.

10. Perlunya kajian terhadap tiap temuan Bank Indonesia serta pemantauan atas tindak lanjut temuan Bank Indonesia.

10. The needs for study on each finding by Bank Indonesia as well as monitoring on the follow-up on findings by Bank Indonesia.

Frekuensi dan Tingkat Kehadiran Rapat Komite

Frequency and Attendance Rate of Risk Monitoring

Pemantau Risiko

Committee Meeting

Komite Pemantau Risiko telah menyelenggarakan rapat

Risk Monitoring Committee has organized 4 meetings that is

sebanyak 4 kali yang dipimpin oleh ketua yang seluruh hasil

led by the head of the committee, and the meeting decision is

rapatnya diputuskan berdasarkan musyawarah mufakat

made based on concensus and stated in writing in the minutes

dan dituangkan secara tertulis ke dalam risalah rapat

of meetings which is properly documented in order to provide

serta didokumentasikan dengan baik guna memberikan

recommendation to the Board of Commissioners.

rekomendasi kepada Dewan Komisaris. Tabel kehadiran rapat Komite Pemantau Risiko

Table of meeting attendance of the Risk Monitoring Committee

No

Nama / Name

Jabatan / Position


Ketua / Head

4/4

1

Sammy Kristamuljana

2

Tjendrawati Widjaja

Anggota / Member

4/4

3


Anggota / Member

3/3

4


Anggota / Member

3/3

5

Ketut Sanjaya***

Anggota / Member

1/1

6

Rusli Prakarsa***

Anggota / Member

1/1

* mengundurkan diri efektif sejak 27 Juli 2015 ** mengundurkan diri efektif sejak 7 Agustus 2015 *** menjabat sebagai anggota Komite Pemantau Risiko sejak 28 September 2015

422

*resigned on July 27, 2015 **resigned on August 7, 2015 ***effective as member of Risk Monitoring Committee since September 28, 2015




Tabel rekap rapat Komite Pemantau Risiko



Table of meeting recap of the Risk Monitoring Committee Komite Pemantau Risiko

Rusmin

Rusmin

Ketut Sanjaya



√

√

√

√

20 April 2015 / April 20, 2015

√

√

√

√

15 Juli 2015 / July 15, 2015

√

√

√

√


√

√

Mengundurkan diri / Resigned

Mengundurkan diri / Resigned

Tanggal / Date


Rusli Prakarsa***

Belum menjabat sebagai anggota / Not a member yet

Belum menjabat sebagai anggota / Not a member yet

√

√

* mengundurkan diri efektif sejak 27 Juli 2015 ** mengundurkan diri efektif sejak 7 Agustus 2015 *** menjabat sebagai anggota Komite Pemantau Risiko sejak 28 September 2015

*resigned on July 27, 2015 **resigned on August 7, 2015 ***effective as member of Risk Monitoring Committee since September 28, 2015

Agenda Rapat Komite Pemantau Risiko

Risk Monitoring Committee Meeting Agenda

Tabel agenda rapat Komite Pemantau Risiko

Table of meeting agenda of the Risk Monitoring Committee

Tanggal / Date

Nomor Risalah Rapat


RR No.001/2015/ KPR

Penilaian Tingkat Kesehatan Bank Semester II/2014 dan Profil Risiko Unit Usaha Syariah (UUS) Triwulan IV/2014 / Assessment of Bank Health Level of Semester II/2014 and Risk Profile of Sharia Business Unit (UUS) of Quarter IV/2014

April 2015 / April, 2015

RR No.002/2015/ KPR

Tindak Lanjut Rekomendasi Rapat Komite Pemantau Risiko / Follow-Up of Recommendation from Risk Monitoring Committee Meeting


Hasil Self Assesment Profil Risiko Triwulan I/2015 / Self Assessment Result of Risk Profile Quarter I/2015 Hasil Self Assesment Profil Risiko Syariah Triwulan I/2015 / Self Assessment Result of Risk Profile Quarter I/2015 Simulasi Hasil Self Assesment Tingkat Kesehatan Bank Triwulan I/2015 / Simulation of Self Assessment Result of Bank Health Level Quarter I/2015 Usulan Perubahan Bobot Tingkat Kesehatan Bank dan Bobot/Parameter Profil Risiko / Proposal of Change in Bank Health Level Value and Value/Parameter of Risk Profile Juli 2015 / July, 2015

RR No.003/2015/ KPR

Tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko / Follow-Up of Recommendation from Risk Management Committee Meeting Hasil Self Assesment Profil Risiko Triwulan II/2015 / Self Assessment Result of Risk Profile Quarter II/2015 Hasil Self Assesment Tingkat Kesehatan Bank Semester I/2015 / Self Assessment Result of Bank Health Level Semester I/2015 Hasil Self Assesment Profil Risiko Syariah Triwulan II/2015 / Self Assessment Result of Sharia Risk Profile Quarter II/2015

Oktober 2015 / October, 2015

RR No.004/2015/ KPR

Tindak Lanjut Rekomendasi Rapat Komite Manajemen Risiko dan Komite Pemantau Risiko Triwulan II/2015 / Follow-Up of Recommendation from Risk Monitoring Committee and Risk Management Committee Meeting Quarter II/2015 Hasil Self Assesment Profil Risiko Triwulan III/2015 / Self Assessment Result of Risk Profile Quarter III/2015


423


Tanggal / Date



Nomor Risalah Rapat


Agenda Rapat / Meeting Agenda Hasil Self Assesment Profil Risiko Syariah Triwulan III/2015 / Self Assessment Result of Sharia Risk Profile Quarter III/2015 Simulasi Hasil Self Assesment Tingkat Kesehatan Bank Triwulan III/2015 / Simulation of Self Assessment Result of Bank Health Level Quarter III/2015 Pokok-Pokok Perubahan atas Hasil Kaji Ulang Penerapan Kebijakan Manajemen Risiko Bank Sinarmas (SK No.006/2013/DIR5-SKMR tanggal 2 Juli 2013) / Principals of Changes in Review of Implementation of Bank Sinarmas Risk Management Policy (SK No.006/2013/DIR5-SKMR dated July 2, 2013)

Rekomendasi Komite Pemantau Risiko Kepada Dewan

Recommendation from Risk Monitoring Committee to

Komisaris

the Board of Commissioners

Sesuai dengan Piagam Pemantau Risiko Rev.01/2015 yang

In accordance with Risk Monitoring Charter Rev.01/2015 that

telah disahkan tertanggal 31 Desember 2015, salah satu tugas

has been validated on December 31, 2015, one of duties of

Komite Pemantau Risiko adalah memberikan rekomendasi

Risk Monitoring Committee is providing recommendation to

kepada Dewan komisaris terkait dengan kontrol terhadap

the Board of Commissioners concerning control over Bank’s

organisasi internal Bank.

internal organization.

Tabel rekomendasi Komite Pemantau Risiko kepada Dewan

Table of recommendation from Risk Monitoring Committee to

Komisaris

the Board of Commissioners

Tanggal / Dated

No. Memo


M.001/2015/PRESKOM-KPR

Rekomendasi hasil rapat Komite Pemantau Risiko tanggal 21 Januari 2015 / Recommendation of Risk Monitoring Committee meeting dated January 21, 2015

28 April 2015 / April 28, 2015

M.013/2015/PRESKOM-KPR

Rekomendasi hasil rapat Komite Pemantau Risiko tanggal 20 April 2015 / Recommendation of Risk Monitoring Committee meeting dated April 20, 2015

29 Juli 2015 / July 29, 2015 30 Oktober 2015 / October 30, 2015

Perihal / Topic

Rekomendasi hasil rapat Komite Pemantau Risiko tanggal 15 Juli M.021A/2015/PRESKOM-KPR 2015 / Recommendation of Risk Monitoring Committee meeting dated July 15, 2015 Rekomendasi hasil rapat Komite Pemantau Risiko Triwulan III/2015 M.028A/2015/PRESKOM-KPR / Recommendation of Risk Monitoring Committee meeting dated July 15, 2015

KOMITE REMUNERASI DAN NOMINASI

NOMINATION AND REMUNERATION COMMITEE

Komite Remunerasi dan Nominasi Bank Sinarmas dibentuk

Remuneration and Nomination Committee of Bank

oleh Dewan Komisaris dengan tujuan untuk mendukung

Sinarmas is established with the purpose of supporting

pelaksanaan fungsi pengawasan Dewan Komisaris terkait

the implementation of supervisory function of Board of

kebijakan remunerasi dan nominasi.

Commissioners on remuneration and nomination policies.

Struktur dan Susunan Komite Remunerasi dan Nominasi

Structure and Composition of Nomination and Remuneration Committee

Anggota Komite Remunerasi Dan Nominasi terdiri dari

Members of Nomination and Remuneration Committee

seorang Komisaris Independen, seorang dari Anggota Dewan

consist of an Independent Commissioner, a member from

Komisaris, Pihak Independen atau Pihak yang menduduki

Board of Commissioners, Independent Party or Party that

jabatan manajerial di bawah Direksi yang membidangi

occupies managerial position under the Board of Directors

Sumber Daya Manusia. Keanggotaan Komite Remunerasi Dan

who is in charge of Human Resources. Membership of

424






Nominasi telah disahkan pada Surat Keputusan SK.017/2014/

Nomination and Remuneration Committee has been validated

PRESDIR-CorSec&CorComm tentang Perubahan Susunan

through Decree SK.017/2014/PRESDIR-CorSec&CorComm

Anggota Komite Remunerasi Dan Nominasi tertanggal 3 Juli

on Change in Composition of Members of Nomination and

2014.

Remuneration Committee dated July 3, 2014.

Tabel komposisi Komite Remunerasi dan Nominasi

Table of composition of Nomination and Remuneration Committee

Nama / Name

Posisi / Position

Periode Jabatan / Period of Service

Ketua / Head


• Perbankan / Banking • Ekonomi / Economics

Tjendrawati Widjaja

Anggota / Member


• Ekonomi / Economics • Keuangan / Finance • Perbankan / Banking

Wahyu Zaenie

Anggota / Member


• Human Capital Management/ Personalia • Hukum / Law

Rusmin


Profil Komite Remunerasi dan Nominasi

Profile of Remuneration and Nomination Committee

Rusmin - Ketua

Rusmin-Head

Profil Ketua Komite Remunerasi dan Nominasi sudah disajikan

Profile of Head of Remuneration and Nomination Committee

dalam profil Dewan Komisaris.

has been presented in profile of Board of Commissioners.

Tjendrawati Widjaja - Anggota

Tjendrawati Widjaja - Member

Profil anggota Komite Remunerasi dan Nominasi ini sudah

Profile of Remuneration and Nomination Committee Member

disajikan dalam profil Dewan Komisaris.

has been presented in profile of Board of Commissioners.

Wahyu Zaenie - Anggota

Wayu Zaenie - Member

Warga Negara Indonesia, 56 tahun. Bergabung dengan

Indonesian Citizen, 56 years old. Working in Bank Sinarmas

Bank Sinarmas sejak 2006 Dan menjabat sebagai anggota

since 2006 and serving as member of the Remuneration and

Komite Remunerasi dan Nominasi sejak Juli 2012. Saat ini

Nomination Committee since July 2012. Currently he serves as

menjabat sebagai Division Head Human Capital Recruitment

Division Head of Human Capital Recruitment & Administration

& Administration Support. Beliau meraih gelar Sarjana Hukum

Support. He achieved his bachelor of laws from Parahyangan

dari Universitas Katolik Parahyangan.

Catholic University.

Keanggotaan Komite Pemantau Risiko telah sesuai dengan

Composition of Risk Monitoring Committee conforms to Bank

yang disyaratkan oleh ketentuan Bank Indonesia tentang

Indonesia regulation regarding the implementation of GCG

pelaksanaan GCG dan Piagam Komite Remunerasi dan

and Remuneration and Nomination Committee Charter.

Nominasi. Independensi Komite Remunerasi dan Nominasi

Independency of Remuneration and Nomination Committee


Composition of Remuneration and Nomination Committee

Remunerasi Dan Nominasi bertindak secara independen,

has been in line with Bank Indonesia regulation regarding the

serta tidak menerima/melakukan intervensi dari/kepada Pihak

implementation of GCG and Remuneration and Nomination

lainnya. Anggota Komite Remunerasi Dan Nominasi tidak

Committee Charter, which generally are as follows:

terkait dengan Pemegang Saham, Dewan Komisaris, dan Direksi.


425





Rusmin

Tjendrawati Widjaja

Wahyu Zaenie

Tidak memiliki hubungan keuangan dengan Dewan Komisaris dan Direksi / No financial relations with the Board of Commissioners and Board of Directors

Tidak ada / Nill

Tidak ada / Nill

Tidak ada / Nill

Tidak memiliki hubungan kepemilikan saham di perusahaan / No share ownership relations in the Company

Tidak ada / Nill

Tidak ada / Nill

Tidak ada / Nill

Tidak memiliki hubungan kepengurusan di perusahaan, anak perusahaan serta perusahaan afiliasi / No management relations in the Company, subsidiaries, and affiliated companies.

Tidak ada / Nill

Tidak ada / Nill

Tidak ada / Nill

Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau anggota Komite Audit / No family relations with the Board of Commissioners, Board of Directors, and/or Audit Committee members.

Tidak ada / Nill

Tidak ada / Nill

Tidak ada / Nill

Tidak menjabat sebagai pengurus partai politik, pejabat dan pemerintah / Does not serve as management of political parties, officials and governments

Tidak ada / Nill

Tidak ada / Nill

Tidak ada / Nill

Aspek Independensi / Aspect of Independency

Piagam Komite Remunerasi dan Nominasi

Nomination and Remuneration Committee Charter


In implementing the duties and responsibilities to control and

melakukan kontrol dan pengkajian terhadap proses

review the transparency of nomination and remuneration

transparansi remunerasi dan nominasi terhadap anggota

process to members of the Board of Directors and Board

Direksi dan anggota Dewan Komisaris, maka dalam

of Commissioners. In carrying out the responsibilities,

melaksanakan kewajibannya, Komite Remunerasi dan

Nomination and Remuneration Committee is equipped with

Nominasi telah dilengkapi dengan pedoman kerja yang

working guideline that is set in Nomination and Remuneration

ditetapkan dalam Piagam Komite Remunerasi dan Nominasi.

Committee Charter. The Charter contains duties and

Piagam Komite Remunerasi dan Nominasi berisi antara

responsibilities, and description of working procedures and

lain mengenai tugas dan tanggung jawab komite, uraian

authorities of Nomination and Remuneration Committee.

mengenai prosedur kerja dan kewenangan dari Komite

This Charter is composed based on the prevailing laws and

Remunerasi dan Nominasi. Piagam Komite Remunerasi

regulations and is reviewed periodically. The latest change was

dan Nominasi tersebut disusun berdasarkan peraturan dan

on May 7, 2015. Nomination and Remuneration Committee

undang-undang yang berlaku dan ditinjau ulang secara


berkala serta mengalami perubahan terakhir tertanggal 7 Mei 2015. Piagam Komite Remunerasi dan Nominasi berisi: 1. Pembentukan dan Susunan Keanggotaan

1. Establishment and Membership Composition

2. Ketentuan

2. Provisions

3. Pengangkatan dan Pemberhentian




5. Kewenangan

5. Authorities

6. Masa Tugas

6. Term of Office

7. Kode Etik

7. Code of Conduct

8. Kewajiban

8. Obligations

9. Tata Cara dan Prosedur Kerja

9. Working Procedures

10. Ketentuan Rapat

10. Meeting Provisions

11. Masa Berlaku

11. Period of the Charter



Komite Remunerasi dan Nominasi bertanggung jawab

Nomination and Remuneration Committee is responsible

kepada Dewan Komisaris terkait melakukan kontrol dan

to the Board of Commissioners concerning control and

pengkajian proses transparansi remunerasi dan nominasi

review of transparency of nomination and remuneration

426






terhadap anggota Direksi dan anggota Dewan Komisaris,

process to the members of the Board of Directors and

mengidentifikasi hal-hal yang memerlukan perhatian Dewan

Board of Commissioners, identification matters that require

Komisaris, dan memberikan rekomendasi kepada Dewan

attention from the Board of Commissioners, and provides

Komisaris, Tugas dan Tanggung Jawab Komite Remunerasi

recommendation to the Board of Commissioners. Duties and

dan Nominasi antara lain meliputi namun tidak terbatas pada:

responsibilities of Nomination and Remuneration Committee are, but not limited to:

• Terkait kebijakan remunerasi : 1) Melakukan evaluasi terhadap kebijakan remunerasi, yaitu: i. Kinerja keuangan perusahaan dan pemenuhan cadangan sebagaimana diatur dalam peraturan perundang-undangan yang berlaku;

•

Concerning remuneration policies: 1) Evaluating the remuneration policies, namely: i. The Company’s financial performance and fulfillment of reserves as regulated in the prevailing laws and regulations; ii. Individual performance;

ii. Prestasi kerja individual;

iii. Fairness in peer group; and

iii. Kewajaran dengan peer group; dan

iv. Consideration of bank’s long-term strategies and

iv. Pertimbangan sasaran dan strategi jangka panjang

goals.

bank. 2) Memberikan rekomendasi kepada Dewan Komisaris

2) Providing recommendation to the Board of

mengenai :

Commissioners on:

i. Kebijakan, Struktur dan Besaran atas remunerasi

i. Policies, structure, and amount of remuneration to

untuk disampaikan kepada Rapat Umum Pemegang Saham (“RUPS”); ii. Penilaian kinerja dengan kesesuaian Remunerasi

be submitted to General Meeting of Shareholders (“GMS”); ii. Performance assessment in conformity with

yang diterima masing-masing anggota Direksi dan/

remuneration received by each member of the

atau anggota Dewan Komisaris

Board of Directors and/or Board of Commissioners

3) Menyusun struktur, kebijakan dan besaran remunerasi

3) Composing structure, policies, and amount of

dan wajib memperhatikan:

remuneration and shall concern:

i. Remunerasi yang berlaku pada industri sesuai

i. Remuneration that prevails in industry in

dengan kegiatan usaha Perseroan sejenis dan skala usaha dalam industrinya ii. Tugas, tanggung jawab dan wewenang anggota

accordance with similar business activities and business scales in the industry ii. Duties, responsibilities, and authorities of members

Direksi dan/atau anggota Dewan Komisaris

of the Board of Commissioners are associated with

dikaitkan dengan pencapaian tujuan dan kinerja

achievement of objective and performance of the

perseroan. iii. Target kinerja masing-masing anggota Direksi dan/ atau anggota komisaris

Company. iii. Target of performance of each member of the Board of Directors and/or Board of Commissioners

iv. Keseimbangan tunjangan antara tetap dan variabel

iv. The balance of allowances between permanent and

v. Struktur, kebijakan dan besaran Remunerasi

v. The concerned structure, policies, and amount of

variable sebagaimana dimaksud harus dievaluasi oleh

remuneration shall be evaluated by Nomination

Komite Remunerasi dan Nominasi paling kurang 1

and Remuneration Committee at least 1 (one) time

(satu) kali dalam 1 (satu tahun)

in a year.

• Terkait dengan kebijakan nominasi : 1) Memberikan rekomendasi kepada Dewan Komisaris

• Concerning nomination policies: 1) Providing recommendation to the Board of

mengenai kebijakan evaluasi kinerja anggota Direksi

Commissioners on policy of evaluation of performance

dan/atau anggota Dewan Komisaris.

of members of the Board of Directors and/or Board of Commissioners.


427



2) Membantu Dewan Komisaris melakukan penilaian



2) Assisting the Board of Commissioners in assessing the

kinerja anggota Direksi dan/atau anggota Dewan

performance of members of the Board of Directors

Komisaris.

and/or Board of Commissioners.

3) Memberikan rekomendasi kepada Dewan komisaris

3) Providing recommendation to the Board of

mengenai program pengembangan kemampuan

Commissioners on capability development program

anggota Direksi dan/atau anggota Dewan Komisaris

for members of the Board of Directors and/or Board of Commissioners.

4) Dalam mengidentifikasi, mengkaji dan

4) In identifying, reviewing, and recommending

merekomendasikan calon anggota Dewan Komisaris

the candidates for members of the Board of

dan/atau Direksi, Komite Remunerasi dan Nominasi

Commissioners, and/or Board of Directors, Nomination

memiliki kewenangan untuk memilih sesuai dengan

and Remuneration Committee is authorized to select in

kriteria dan prosedur yang telah ditetapkan dalam

accordance with criteria and standards that has been

peraturan yang berlaku dan kebijakan internal

determined in the prevailing regulations and internal

Perseroan. 5) Memberikan rekomendasi kepada Dewan Direksi

policies. 5) Providing recommendation to the Board of Directors

mengenai kebijakan dan kriteria yang dibutuhkan

on policies and criteria that are required in nomination

dalam proses nominasi.

process.

6) Mengidentifikasi, mengkaji dan memberikan

6) Identifying, reviewing, and providing recommendation

rekomendasi mengenai calon anggota Dewan

on candidates of members of the Board of

Komisaris dan/atau Direksi kepada Dewan Komisaris

Commissioners and/or Board of Directors to the Board

untuk disampaikan kepada Rapat Umum Pemegang

of Commissioners to be submitted to the General

Saham untuk mendapatkan persetujuan dari

Meeting of Shareholders to obtain approval from

Pemegang Saham;

Shareholders.

Memberikan rekomendasi mengenai Pihak Independen

Providing recommendation on Independent Party who will

yang akan menjadi anggota Komite sebagaimana dimaksud

be a Committee member as regulated in Bank Indonesia

dalam Peraturan Bank Indonesia mengenai Good Corporate

Regulations on Good Corporate Governance.

Governance. Wewenang Komite Remuenerasi dan Nominasi

Authorities of Nomination and Remuneration Committee

Dalam melaksanakan tugasnya, Komite Remunerasi Dan

Authorities of Nomination and Remuneration Committee are

Nominasi memiliki wewenang sebagai berikut:

as follows:

1. Memperoleh dokumen, data, dan informasi tentang

1. Obtaining required documents, data, and information on

Perseroan yang diperlukan; 2. Melakukan koordinasi dengan Human Capital Management atau unit kerja lainnya apabila diperlukan; 3. Melakukan kewenangan lain yang diberikan Dewan Komisaris terkait remunerasi dan nominasi.

the Company; 2. Performing coordination with Human Capital Management or other work units if necessary; 3. Conducting other authorities that have been delegated by the Board of Commissioners concerning nomination and remuneration.

Laporan Singkat Pelaksanaan Tugas Komite Remunerasi

Brief Report of Duties Implementation of Remuneration

dan Nominasi

and Nomination Committee

Selama 2015, Komite Remunerasi dan Nominasi telah

Throughout 2015, the Remuneration and Nomination

melakukan kegiatan serta memberikan rekomendasi-

Committe had conducted several activties and gave

rekomendasi kepada Dewan Komisaris, antara lain:

recommendations to the Board of Commissioners, among others:

1. Action plan Human Capital Recruitment & Admin Support di tahun 2016

428

1. Action plan of Human Capital Recruitment & Admin Support in 2016.




2. Pengimplementasian Program BPJS Kesehatan untuk seluruh karyawan Bank Sinarmas.



2. Implementation of BJPJS Kesehatan program for all Bank Sinarmas’ employees.

3. Perubahan Anggota Komite Remunerasi dan Nominasi.

3. The changes of Remuneration and Nomination

4. Perekrutan karyawan dilakukan sesuai dengan Man Power

4. Employee recruitment had been conducted in accordance

membership. Planing dalam RBB tahun 2015. 5. Kajian terhadap struktur organisasi unit kerja yang dirasa belum memenuhi kriteria ideal. 6. Pencalonan calon Anggota Direksi Bank Sinarmas.

with Man Power Planning in 2015 RBB. 5. Review of organizational structure of working unit that has not fulfilled ideal criteria. 6. Nomination of Members of Bank Sinarmas’ Board of Directors.

Aktivitas Komite Remunerasi dan Nominasi

Activities of Remuneration and Nomination Committee

Sepanjang 2015, Komite Remunerasi dan Nominasi telah

Throughout 2015, the Remuneration and Nomination

menyelenggarakan pertemuan sebanyak 5 kali yang dilakukan

Committee has held meetings for 5 times every quarter. The

setiap triwulan. Dalam pertemuan tersebut dilakukan

discussions in the meeting are as follows:

pembahasan mengenai hal-hal berikut: a. Fungsi Remunerasi 1. Mengkaji dan mengevaluasi remunerasi BOC dan BOD tahun 2015.

a. Remuneration Function 1. Reviewing and evaluating remuneration of Board of Commissioners and Board of Directors in 2015

2. Penerapan Upah Minimum Provinsi.

2. Implementing Provincial Minimum Wage

3. Melakukan kajian terhadap Kenaikan Berkala tahun

3. Reviewing Periodic Increase of salary in 2015 and

2015 dan Pemberian Bonus Tahunan. 4. Melakukan kajian terhadap Perubahan Struktur

Annual Bonuses 4. Reviewing the Change of Employee Group structure

Golongan Karyawan. 5. Melakukan kajian terhadap Perubahan Komponen

5. Reviewing the change of outsourcing employee wage

Upah Karyawan Outsourcing, yang sebelumnya terdiri

components, which previously consists of basic salary,

dari Gaji Pokok, dibagi menjadi 2 komponen, yaitu Gaji

now divided into two components, which are Basic

Pokok dan Tunjangan Khusus Golongan A.

Salary and Special Allowance for group A.

b. Fungsi Nominasi 1. Mengkaji penunjukan kembali keanggotaan Dewan

b. Nomination Fuction 1. Reviewing re-appointment of members of the Board

Komisaris dan Direksi serta perubahan anggota

of Commissioners and Board of Directors as well as

Komite.

changes in the Committee.

2. Mengkaji rencana penunjukkan Direksi yang akan datang. 3. Mengkaji penunjukan anggota Komisaris Independen yang baru. 4. Mengkaji komposisi Dewan Komisaris dan Direksi.

2. Reviewing the plan of future appointment of Board of Directors. 3. Reviewing the appointment of the new Independent Commissioners. 4. Reviewing the composition of the Board of Commissioners and Board of Directors.

5. Melakukan kajian terhadapstruktur organisasi unit kerja yang dipandang masih belum ideal. 6. Mengkaji rencana pemenuhan SDM 2015 sesuai dengan Man Power Planning (MPP) dalam RBB 2015.

5. Reviewing the organizational structure of working units that is considered not ideal. 6. Reviewing the plan of fulfilling the number of HR in 2015 according to the Man Power Planning in 2015 RBB.


429





Frekuensi dan Tingkat Kehadiran Rapat Komite

Meeting Frequency and Attendance Rate of the

Remunerasi dan Nominasi

Remuneration and Nomination Committee

Komite Remunerasi dan Nominasi telah menyelenggarakan

The Remuneration and Nomination Committee has conducted

rapat sebanyak 5 kali yang dipimpin oleh ketua yang seluruh

meetings for 5 times, which is led by its head, and all of its

hasil rapatnya diputuskan berdasarkan musyawarah mufakat

meeting decisions are made based on consensus and stated

dan dituangkan secara tertulis ke dalam risalah rapat

in writing in the minutes of meeting, which is properly

serta didokumentasikan dengan baik guna memberikan

documented in order to provide recommendations to the

rekomendasi kepada Dewan Komisaris.


Tabel kehadiran rapat Komite Remunerasi dan Nominasi

Table of meeting attendance of the Remuneration and Nomination Committee

No

Nama / Name

Jabatan / Position


Ketua / Head

5/5

1

Rusmin

2

Tjendrawati Widjaja

Anggota / Member

5/5

3

Wahyu Zaenie

Anggota / Member

5/5

Tabel agenda rapat Komite Remunerasi dan Nominasi

Table of meeting agenda of Nomination and Remuneration Committee Komite Remunerasi & Nominasi / Nomination and Remuneration Committee

Tanggal / Date

Rusmin

Tjendrawati Widjaja

Wahyu R Zaenie


√

√

√

16 April 2015 / April 16, 2015

√

√

√

2 Juli 2015 / July 2, 2015

√

√

√

10 Agustus 2015 / August 10, 2015

√

√

√


√

√

√

Agenda Rapat Komite Remunerasi dan Nominasi

Meeting Agenda of Nomination and Remuneration Committee

Tabel agenda rapat Komite Remunerasi dan Nominasi

Table of meeting agenda of Nomination and Remuneration Committee

Tanggal / Date

Notulen



RR No.001/2015/ KRN

Struktur organisasi jumlah karyawan di cabang dan unit kerja KPNO periode bulan Juli 2014 - Desember 2014 / Organization structure of total employees in branch office and KPNO work unit for the period of July 2014 to December 2014 Tindaklanjut atas rekomendasi Komite Remunerasi dan Nominasi Triwulan III2014 yang masih pending dan kendalanya / Follow-up of recommendation of Nomination and Remuneration Committee for Quarter III-2014 that still pending. Mempresentasikan Laporan HCM terkait Personnel Service, Benefit & Admin, Industrial Relation, dan Recruitment / Presenting the HCM Report related to Personnel Benefit & Admin, Industrial Relation, and Recruitment Update POJK No.34-POJK.04-2014 perihal Komite Remunerasi dan Nominasi untuk memperbaharui Piagam KRN / Update of POJK No.34-POJK.04-2014 on Nomination and Remuneration Committee to update the Nomination and Remuneration Committee Charter

430




Tanggal / Date

Notulen

April 2015 / April, 2015

RR No.002/2015/ KRN



Agenda Rapat / Meeting Agenda Aktivitas kerja Department Recruitment Triwulan I - 2015 / Recruitment Department Activities of Quarter I - 2015 Aktivitas kerja Department People Development Triwulan I - 2015 / People Development Department Activities of Quarter I - 2015 Aktivitas kerja Department HR-Operations Triwulan I - 2015 / HR-Operations Department Activities of Quarter I - 2015 Aktivitas kerja Department Organizational Development Triwulan I - 2015 / Organizational Development Department Activities of Quarter I - 2015 Pemberian jasa produksi Dewan Komisaris dan Dewan Direksi tahun 2014 / Production service provision for the Board of Commissioners and Board of Directors year 2014 Pemberian jasa produksi karyawan PT. Bank Sinarmas Tbk. tahun 2014 / Production service provision for employees of PT. Bank Sinarmas Tbk. year 2014

Juli 2015 / July, 2015

RR No.003/2015/ KRN

Pencalonan saudara Rusmin sebagai Komisaris Independen PT. Bank Sinarmas Tbk. / Nomination of Mr. Rusmin as Independent Commissioner of PT. Bank Sinarmas Tbk. Tindaklanjut meeting KRN triwulan I/2015 / Follow-up of Nomination and Remuneration Committee meeting of quarter I/2015 Pembahasan kenaikan upah/gaji karyawan PT. Bank Sinarmas Tbk. tahun 2015 / Discussion on salary increase of PT Banks Sinarmas Tbk. employees year 2015 Program kerja KRN mengenai peran Dewan Komisaris dalam melakukan penilaian kinerja anggota Direksi dan/atau anggota Dewan Komisaris / Nomination and Remuneration Committee work program concerning roles of the Board of Commissioners in evaluating the performance of members of the Board of Directors and/or Board of Commissioners Evaluasi Komposisi karyawan PT. Bank Sinarmas Tbk. / Evaluation of employee composition of PT. Bank Sinarmas Tbk.

10 Agustus 2015 / August 10, 2015

RR No.004/2015/ KRN

Pihak Independen / Independent Party


RR No.005/2015/ KRN

Tindaklanjut meeting KRN triwulan II/2015 / Follow-up of Nomination and Remuneration Committee meeting of quarter II/2015 Upah Sundulan / Wage Man Power Planning (MPP) Tahun 2016 / Man Power Planning (MPP) Year 2016 Proyeksi Biaya Tenaga Kerja Tahun 2016/ Projection for Employee Costs Year 2016 Talent Management / Talent Management

Rekomendasi Komite Remunerasi dan Nominasi Kepada

Recommendation from Nomination and Remuneration

Dewan Komisaris

Committee to the Board of Commissioners

Sesuai dengan Piagam Komite Remunerasi Dan Nominasi

Pursuant to Nomination and Remuneration Committee

tertanggal 7 Mei 2015, salah satu tugas Komite Pemantau

Charter dated May 7, 2015, one of duties of Nomination

Risiko adalah memberikan rekomendasi kepada Dewan

and Remuneration Committee is to provide recommendation

komisaris terkait dengan kontrol dan pengkajian terhadap

to the Board of Commissioners concerning control and

proses transparansi remunerasi dan nominasi terhadap

review of transparency of nomination and remuneration

anggota Direksi dan anggota Dewan Komisaris.

process to members of the Board of Directors and Board of Commissioners.


431





Tabel rekomendasi Komite Remunerasi dan Nominasi kepada

Table of recommendation from Nomination and Remuneration

Dewan Komisaris

Committee to the Board of Commissioners

Tanggal / Dated

No. Memo

Perihal / Topic

M.001/2015/PRESKOM-KRN

Memo rekomendasi hasil pertemuan Komite Remunerasi dan Nominasi Triwulan IV/2014 pada tanggal 15 Januari 2015 / Memo of recommendation from the meeting of Nomination and Remuneration Committee of Quarter IV/2014 on January 15, 2015


Memo rekomendasi hasil pertemuan Komite Remunerasi dan Nominasi Triwulan I/2015 pada tanggal 16 April 2015 / Memo of recommendation from the meeting of Nomination and Remuneration Committee of Quarter I/2014 on April 16, 2015

22 Juli 2015 / July 22, 2015


Memo rekomendasi hasil pertemuan Komite Remunerasi dan Nominasi Triwulan II/2015 pada tanggal 2 Juli 2015 / Memo of recommendation from the meeting of Nomination and Remuneration Committee of Quarter II/2014 on July 2, 2015

12 Agustus 2015 / August 12, 2015

M.023A/2015/PRESKOMKRN


4 Mei 2015 / May 4, 2015



Memo rekomendasi hasil pertemuan Komite Remunerasi dan Nominasi tanggal 10 Agustus 2015 / Memo of recommendation from the meeting of Nomination and Remuneration Committee on August 10, 2015 Memo rekomendasi hasil pertemuan Komite Remunerasi dan Nominasi Triwulan III/2015 pada tanggal 22 Oktober 2015 / Memo of recommendation from the meeting of Nomination and Remuneration Committee of Quarter III/2015 on October 22, 2015

KOMITE TATA KELOLA TERINTEGRASI

Integrated Good Corporate Governance Committee

Dasar Hukum

Establishment and Membership of Integrated

Pembentukan Komite Tata Kelola Terintegrasi di Bank

Governance Committee

Sinarmas mengacu pada beberapa peraturan sebagai berikut:

Bank Sinarmas established Governance Committee

1. Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2014

based on OJK Regulation No.18/POJK.03/2014 on The

tentang Penerapan Tata Kelola Terintegrasi bagi

Implementation of Integrated Governance for Financial

Konglomerasi Keuangan

Conglomerates. It regulates the number and composition

2. Peraturan Otoritas Jasa Keuangan No. 17/POJK.03/2014

of Independent Commissioner that becomes member of

tentang Penerapan Manajemen Risiko Terintegrasi bagi

Integrated Governance Committee. Membership of Integrated

Konglomerasi Keuangan

Governance Committee in Bank Sinarmas is adjusted to the

3. Berdasarkan Surat Otoritas Jasa Keuangan No. S-95/

needs of Financial Conglomerates as well as efficiency and

PB.33/2015 tanggal 6 Oktober 2015 tentang Penetapan

effectiveness of implementation of Integrated Governance

PT. Bank Sinarmas Tbk. sebagai Entitas Utama Grup

Committee duties by taking into account at least the

Sinarmas maka Dewan Komisaris Entitas Utama

representation of each financial service sector. Membership

membentuk Komite Tata Kelola Terintegrasi guna

of Integrated Governance Committee can be in the form of

mendukung efektivitas pelaksanaan tugas Dewan

permanent and non-permanent membership, aligned to the

Komisaris Entitas Utama terkait dengan pelaksanaan

needs of Financial Conglomerates.

Tingkat Kesehatan Terintegrasi.

432




Timeline Penerapan Tata Kelola Terintegrasi



Pursuant to the aforementioned provisions and regulations, membership of Integrated Governance Committee is at least:

19 November 2014

5 Oktober 2015

25 Mei 2015

No.

30 November 2015

Tanggal / Dated

2 Desember 2015

27 Januari 2016

15 Februari 2016

15 April 2016

Keterangan / Description

1

19 November 2014

POJK No. 18/POJK.03/2014 tentang Penerapan Tata Kelola Terintegrasi bagi Konglomerasi Keuangan

2

25 Mei 2015

SE OJK No. 15/SEOJK.03/2015 mengenai Parameter Penilaian TKT

3

5 Oktober 2015

Penetapan PT. Bank Sinarmas Tbk. sebagai Entitas Utama Grup Sinarmas (Surat OJK No : S -95/PB.33/2015)

4

30 November 2015

Pembentukan Komite TKT serta Penetapan SKKT, SKAIT dan SKMRT - Komite TKT (SK No : 004/2015/DIRUT – EU) - SKKT (SK No :005/2015/DIRUT – EU) - SKAIT (SK No : 006/2015/DIRUT – EU) - SKMRT (SK No : 007/2015/DIRUT – EU)

5

2 Desember 2015

Persetujuan Direksi dan Komisaris Entitas Utama atas dokumen Tata Kelola Terintegrasi

6

27 Januari 2016

Informasi Anggota Konglomerasi Keuangan Sinar Mas Financial Services (SKL No : 001/I/2016/DIR-EU)

7

15 Februari 2016

Penyampaian Self Assessment TKT Semester II – 2015

8

15 April 2016

Penyampaian Laporan Tahunan Pelaksanaan TKT

Pembentukan dan Keanggotaan Komite Tata Kelola

Establishment and Membership of Integrated

Terintegrasi


Bank Sinarmas membentuk Komite Tata Kelola berdasarkan

Bank Sinarmas established Governance Committee

Peraturan OJK Nomor 18/POJK.03/2014 tentang Penerapan

pursuant to OJK Regulation No. 18/POJK.03/2014 on The

Tata Kelola Terintegrasi Bagi Konglomerasi Keuangan.

Implementation of Integrated Governance For Financial

Peraturan tersebut mengatur mengenai jumlah dan komposisi

Conglomerates. The regulation governs the total and

Komisaris Independen yang menjadi anggota Komite

composition of Independent Commissioner that becomes

Tata Kelola Terintegrasi. Keanggotaan Komite Tata Kelola

member of Integrated Governance Committee. Integrated

Terintegrasi di Bank Sinarmas disesuaikan dengan kebutuhan

Governance Committee Membership in Bank Sinarmas

Konglomerasi Keuangan serta efisiensi dan efektivitas

is adjusted to the needs of Financial Conglomerates and

pelaksanaan tugas Komite Tata Kelola Terintegrasi dengan

efficiency and effectiveness of the implementation of duties

memperhatikan paling sedikit keterwakilan masing-masing

of Integrated Governance Committee by taking into account

sektor jasa keuangan. Keanggotaan Komite Tata Kelola

at least the representation of each financial service sector.

Terintegrasi dapat berupa keanggotaan tetap dan tidak tetap

Integrated Governance Committee Membership can be

disesuaikan dengan kebutuhan Konglomerasi Keuangan.

permanent or non-permanent, adjusted to the needs of Financial Conglomerates.


433





Berdasarkan pada ketentuan dan peraturan tersebut di atas,

Pursuant to provision and regulation above, membership of

keanggotaan Komite Tata Kelola Terintegrasi paling sedikit

Integrated Governance Committee is at least consists of:

terdiri dari: a) Seorang Komisaris Independen yang menjadi Ketua pada

a) An Independent Commissioner who is a Chairman of

salah satu komite pada Bank Sinarmas, sebagai ketua

one of committees in Bank Sinarmas, as chairman and

merangkap anggota.

member.

b) Komisaris Independen yang mewakili dan ditunjuk dari

b) An Independent Commissioner who represents and is

Perusahaan Anak dalam Konglomerasi Keuangan, sebagai

appointed from Subsidiary in Financial Conglomerates, as

anggota.

a member.

c) Seorang pihak independen, sebagai anggota.

c) An independent party, as a member.

d) Anggota Dewan Pengawas Syariah dari Perusahaan Anak,

d) Member of Sharia Supervisory Board from Subsidiary, as a

sebagai anggota.

member.

Tabel anggota Komite Tata Kelola Terintegrasi No.

Table of member of Integrated Governance Committee

Nama / Name

Jabatan / Position in Integrated Governance Committee

Sebagai / Position in the Company

1

Sammy Kristamuljana

Komisaris Entitas Utama / Commissioner in Main Entity

Ketua / Head

2

Ketut Sanjaya

Pihak Independen Entitas Utama / Independent Party in Main Entity

Anggota / Member

3

Ahmadi Sukarno

Dewan Pengawas Syariah Entitas Utama / Sharia Supervisory Board in Main Entity

Anggota / Member

4

Sinarta Ginardi

Komisaris Independen Asuransi Sinar Mas / ndependent Commissioner of Asuransi Sinar Mas

Anggota / Member

5

Petrus Kiki Andries

Komisaris Independen Asuransi Sinar Mas / Independent Commissioner of Asuransi Sinar Mas

Anggota / Member

6

M.Taofiq Ridlo

Dewan Pengawas Syariah Asuransi Sinar Mas / Sharia Supervisory Board of Asuransi Sinar Mas

Anggota / Member

7

Sidharta Akmam

Komisaris Independen Asuransi Jiwa Sinarmas MSIG / Independent Commissioner of Asuransi Jiwa Sinarmas MSIG

Anggota / Member

8

Aditiawan Chandra

Komisaris Independen Asuransi Simas Jiwa / Independent Commissioner of Asuransi Simas Jiwa

Anggota / Member

9

Chandra Setiawan

Komisaris Independen Asuransi Simas Net / Independent Commissioner of Asuransi Simas Net

Anggota / Member

10

Mulabasa Hutabarat

Komisaris AB Simas Finance / Commissioner of AB Simas Finance

Anggota / Member

Independensi Komite Tata Kelola Terintegrasi

Independency of Integrated Governance Committee

Tabel independensi anggota Komite Tata Kelola Terintegrasi

Table of independency of member of Integrated Governance Committee

Nama / Name

Kriteria Independensi / Criteria of Independency

Status

1

2

3

4

5

6

7

Sammy Kristamuljana

√

√

√

√

√

√

√

Independen

Ketut Sanjaya

√

√

√

√

√

√

√

Independen

Ahmadi Sukarno

√

√

√

√

√

√

√

Independen

Sinarta Ginardi

√

√

√

√

√

√

√

Independen

434



Nama / Name




Kriteria Independensi / Criteria of Independency

Status

1

2

3

4

5

6

7

Petrus Kiki Andries

√

√

√

√

√

√

√

Independen

M.Taofiq Ridlo

√

√

√

√

√

√

√

Independen

Sidharta Akmam

√

√

√

√

√

√

√

Independen

Aditiawan Chandra

√

√

√

√

√

√

√

Independen

Chandra Setiawan

√

√

√

√

√

√

√

Independen

Mulabasa Hutabarat

√

√

√

√

√

√

√

Independen

Keterangan:

Description:

1. Bukan Anggota Manajemen

1. Not a Member of Management.

2. Bebas dari hubungan usaha dan hubungan lainnya yang

2. Free from business relations and other relations that can

dapat mempengaruhi keputusan 3. Bukan pemegang saham mayoritas atau pegawai yang berhubungan langsung dengan pemegang saham

affect decisions. 3. Not a majority shareholders or employee that directly contacts with majority shareholders.

mayoritas. 4. Bukan pegawai atau pernah bekerja sebagai eksekutif

4. Not an employee or have worked as an executive in the

pada perusahaan atau anggota perusahaan afiliasi

Company or member of affiliated companies at least 3

setidaknya 3 (tiga) tahun sebelum menjadi anggota

(three) years prior to become Committee member.

Komite. 5. Bukan penasihat atau konsultan utama profesional yang

5. Not an adviser or professional main consultant that is

material bagi perusahaan atau perusahaan afiliasi atau

material for the Company or affiliated companies or

pegawai yang beruhubungan langsung dengan penyedia

employee that directly contacts with service provider, at

jasa, setidaknya 3 (tiga) tahun sebelum menjadi anggota

least 3 (three) years prior to become Committee member.

Komite. 6. Bukan pemasok atau pelanggan utama dari perusahaan

6. Not a supplier or main customer of the Company or

atau perusahaan afiliasi atau pegawai dari/atau yang

affiliated companies or employee of/or directly or indirectly

berhubungan langsung atau tidak langsung dengan

contacts the supplier or main customer.

pemasok atau pelanggan utama. 7. Tidak memiliki hubungan perjanjian dengan perusahaan atau perusahaan afiliasi alinnya sebagai Direksi.

7. Does not have agreement relations with the Company or other affiliated companies as Board of Directors.

Pedoman Komite Tata Kelola Terintegrasi

Integrated Governance Committee Charter

Dalam melaksanakan fungsi dan perannya, KomiteTata

In implementing its functions and roles, Integrated

Kelola Terintegrasi Bank Sinarmas telah dilengkapi dengan

Governance Committee of Bank Sinarmas is equipped with

pedoman tata kelola terintegrasi yang terdiri dari kerangka

integrated governance guideline which consists of governance

tata kelola bagi entitas utama dan kerangka tata kelola bagi

framework for the main entity and governance framework for

konglomerasi keuangan.

financial conglomerates.

1. Kerangka Pedoman Tata Kelola Perusahaan bagi Entitas

1. Corporate Governance Guideline Framework for Main Entity

Utama No

Kerangka TKT Entitas Utama / Integrated Corporate Governance Framework of the Main Entity

1

Persayaratan Direksi dan Dewan Komisaris / Requirements for the Board of Directors and Board of Commissioners

2

Tugas dan Tanggung Jawab Direksi dan Komisaris / Duties and Responsibilities of the Board of Directors and Board of Commissioners


435


No




Kerangka TKT Entitas Utama / Integrated Corporate Governance Framework of the Main Entity

3

Tugas dan Tanggung Jawab Komite Tata Kelola Terintegrasi / Duties and Responsibilities of Integrated Governance Committee

4

Tugas dan Tanggung Jawab Satuan Kerja Kepatuhan Terintegrasi (SKKT) / Duties and Responsibilities of Integrated Compliance Unit (SKKT)

5

Tugas dan Tanggung Jawab Satuan Kerja Audit Intern Terintegrasi (SKAIT) / Duties and Responsibilities of Integrated Internal Audit Unit (SKAIT)

6

Penerapan Manajemen Risiko Terintegrasi / Implementation of Integrated Risk Management

2. Kerangka Pedoman Tata Kelola Perusahaan bagi anggota Konglomerasi Keuangan

2. Corporate Governance Guideline Framework for members of Financial Conglomerates

Kerangka TKT Lembaga Jasa Keuangan (Anggota Konglomerasi Keuangan) / Integrated Corporate Governance Framework of Financial Service Institutions (Member of Financial Conglomerates)

No 1

Persayaratan Direksi dan Dewan Komisaris / Requirements for the Board of Directors and Board of Commissioners

2

Persayaratan Anggota Dewan Pengawas Syariah / Requirements for Member of Sharia Supervisory Board

3

Struktur Direksi dan Dewan Komisaris / Structure of the Board of the Board of Directors and Board of Commissioners

4

Struktur Dewan Pengawas Syariah (DPS) / Structure of Sharia Supervisory Board (DPS)

5

Independensi Dewan Komisaris / Independency of the Board of Commissioners

6

Pelaksanaan Fungsi Pengurusan oleh Direksi / Implementation of Management Function by the Board of Directors

7

Pelaksanaan Fungsi Pengawasan oleh Dewan Komisaris / Implementation of Supervisory Function by the Board of Commissioners

8

Pelaksanaan Fungsi Pengawasan oleh Dewan Pengawas Syariah / Implementation of Supervisory Function of Sharia Supervisory Board

9

Pelaksanaan Fungsi Kepatuhan, Fungsi Audit Intern dan Pelaksanaan Audit Ekstern / Implementation of Compliance Function, Internal Audit Function and Implementation of External Audit

10

Penerapan Fungsi Manajemen Risiko / Implementation of Risk Management Function

11

Kebijakan Remunerasi / Remuneration Policy

12

Pengelolaan Benturan Kepentingan / Conflict of Interest Management

Tugas, Wewenang, dan Tanggung Jawab Komite Tata

Duties, Authorities, and Responsibilities of Integrated

Kelola Terintegrasi


Tugas, wewenang, dan tanggung jawab Komite Tata Kelola

Duties, authorities, and responsibilities of Integrated

Terintegrasi sebagai berikut:

Governance Committee are as follows:

1. Mengevaluasi pelaksanaan tata kelola terintegrasi melalui

1. Evaluating the implementation of integrated governance

penilaian:

through assessment.

a) Kecukupan Pengendalian Internal Terintegrasi

a) Adequacy of Integrated Internal Control

1) Melakukan evaluasi bahwa Bank Sinarmas

1) Evaluating that Bank Sinarmas and Subsidiaries

dan Perusahaan Anak telah memiliki sistem

possesses standard integrated internal control

pengendalian internal (internal control system)

system in line with the best practice that prevails

terintegrasi yang baku sesuai dengan praktek

through review of Integrated Governance Guideline

terbaik (best practice) yang berlaku melalui kajian

within Bank Sinarmas.

atas Pedoman Tata Kelola Terintegrasi yang diberlakukan di Bank Sinarmas .

436




2) Melakukan pemantauan dan evaluasi mengenai



2) Monitoring and evaluating the effectiveness of

efektivitas penerapan pengendalian internal

integrated internal control implementation through

terintegrasi melalui kajian atas Laporan Berkala

review of Periodic Report and Report of Evaluation

dan Laporan Hasil Pemeriksaan yang dikeluarkan

Result that are issued by Integrated Internal Audit

Satuan Kerja Audit Intern Terintegrasi.

Work Unit.

3) Melakukan pertemuan berkala dengan Satuan

3) Conducting periodic meeting with Integrated

Kerja Audit Intern Terintegrasi untuk membahas

Internal Audit Work Unit to discuss matters

hal-hal terkait dengan sistem pengendalian internal

related to integrated control system and the

terintegrasi dan pelaksanaannya.

implementation.

4) Melakukan pemantauan dan mengevaluasi

4) Monitoring and evaluating the follow-up by

pelaksanaan tindak lanjut oleh Direksi Bank

the Board of Directors of Bank Sinarmas and

Sinarmas dan Perusahaan Anak atas hasil temuan

Subsidiaries on Integrated Internal Audit Work Unit

Satuan Kerja Audit Intern Terintegrasi, Kantor

findings, Public Accounting Firm, and supervisory

Akuntan Publik, dan hasil pengawasan Otoritas

result from Financial Services Authority concerning

Jasa Keuangan mengenai kelemahan pada sistem

weakness in system and implementation of

dan pelaksanaan pengendalian internal terintegrasi

integrated internal control.

5) Melaporkan secara berkala atas hasil pemantauan

5) Reporting periodically the monitoring results and

dan memberi masukan atas hal-hal terkait

providing inputs on matters related to integrated

pengendalian internal terintegrasi yang perlu

internal control that requires attention from the

menjadi perhatian Dewan Komisaris Bank Sinarmas

Board of Commissioners of Bank Sinarmas and

dan Perusahaan Anak.

Subsidiaries.

b) Pelaksanaan Fungsi Kepatuhan Secara Terintegrasi

b) Implementation of Integrated Compliance Function

1) Melakukan pemantauan dan evaluasi atas

1) Monitoring and evaluating the compliance of

kepatuhan Bank Sinarmas dan Perusahaan Anak

Bank Sinarmas and Subsidiaries with laws and

terhadap peraturan perundang - undangan yang

regulations that prevail in Capital Market, as well

berlaku di bidang Pasar Modal serta peraturan

as Financial Services Authority, Bank Indonesia

Otoritas Jasa Keuangan, Bank Indonesia dan

regulations and other regulations related to

peraturan lainnya yang terkait dengan usaha

banking, insurance, securities, and financing

perbankan, asuransi, sekuritas dan pembiayaan

business through coordination with Integrated

melalui koordinasi dengan Satuan Kerja Kepatuhan

Compliance Work Unit.

Terintegrasi. 2) Mempelajari laporan berkala dan laporan hasil

2) Studying the periodic report and report of

pemeriksaan yang terkait dengan kepatuhan

evaluation result that relates to compliance

terhadap peraturan intern dan ekstern yang

with internal and external regulations issued by

dikeluarkan oleh Satuan Kerja Kepatuhan

Integrated Compliance Work Unit and external

Terintegrasi dan auditor ektern. 3) Melakukan pertemuan berkala dengan Satuan

auditor. 3) Conducting periodic meeting with Integrated

Kerja Kepatuhan Terintegrasi untuk membahas hal-

Compliance Work Unit to discuss matters related

hal yang terkait dengan kepatuhan Bank Sinarmas

to compliance of Banks Sinarmas and Subsidiaries

dan Perusahaan Anak terhadap peraturan intern

with internal and external regulations.

dan ekstern. 4) Melakukan pemantauan dan mengevaluasi

4) Monitoring and evaluating the follow-up by

pelaksanaan tindak lanjut oleh Direksi Bank

the Board of Directors of Bank Sinarmas and

Sinarmas dan Perusahaan Anak atas hasil temuan

Subsidiaries on the findings of Integrated

Satuan Kerja Kepatuhan Terintegrasi, Kantor

Compliance Work Unit, Public Accounting

Akuntan Publik, dan hasil pengawasan Otoritas

Firm, and result of supervision by Financial

Jasa Keuangan mengenai kelemahan pada sistem

Services Authority on weakness of system and

dan pelaksanaan fungsi kepatuhan terintegrasi.

implementation of integrated compliance function.


437





5) Melaporkan secara berkala atas hasil pemantauan

5) Reporting periodically the result of monitoring and

dan memberi masukan atas hal-hal terkait dengan

providing inputs on matters related to compliance

kepatuhan Bank Sinarmas dan Perusahaan Anak

of Bank Sinarmas and Subsidiaries with internal

terhadap peraturan intern dan ekstern yang perlu

and external regulations that require attention from

menjadi perhatian Dewan Komisaris Bank Sinarmas

the Board of Commissioners of Bank Sinarmas and

dan Perusahaan Anak.

Subsidiaries.

2. Memberikan rekomendasi kepada Dewan Komisaris untuk menyempurnakan pedoman tata kelola terintegrasi. Pelaksanaan Tugas Komite Tata Kelola Terintegrasi

2. Providing recommendation to the Board of Commissioners to improve the integrated governance guideline. Implementation of Integrated Governance Committee Duties

Komite bertanggung jawab kepada Dewan Komisaris dan

This committee is responsible to the Board of Commissioners

wajib menyampaikan laporan kepada Dewan Komisaris

and shall submit report to the Board of Commissioners for

atas setiap pelaksanaan tugas, disertai dengan rekomendasi

every duties implementation, equipped with recommendation

jika diperlukan baik triwulanan maupun tahunan serta

if required, both quarterly and annually, and is signed by

ditandatangani oleh Ketua Komite dan anggota Komite.

Chairman and member of the Committee. During 2015,

Selama tahun 2015, Komite Tata Kelola Terintegrasi telah

Integrated Governance Committee has discussed and

membahas dan menetapkan hal-hal terkait:

determined the following matters:x

No

Tanggal / Dated


1

Peserta Rapat / Meeting Participant

Judul Rapat / Meeting Title

Rapat semester II Komite Tata Kelola Terintegrasi / Semester II Meeting of Integrated Governance Committee

1. Sammy Kirstamuljana 2. Ketut Sanjaya 3. Ahmadi Sukarno 4. Petrus Kiki Andries 5. M. Taoufiq Ridlo 6. Sidharta Akmam 7. Adityawan Chandra 8. Ahmad Nuryadi Asmawi 9. Chandra Setiawan 10. Mulabasa Hutabarat

Laporan Self Assessment Pelaksanaan Tata Kelola

Report of Implemented Integrated Governance

Terintegrasi

Committee Duties

Hasil Self Assessment Pelaksanaan Tata Kelola Terintegrasi

Result of Self-Assessment of the Implementation of Integrated Governance

Peringkat / Rating

Definisi Peingkat / Rating Definition

2

Konglomarasi keuangan dinilai telah melakukan penerapan tata kelola terintegrasi yang secara umum baik. Hal ini tercermin dari pemenuhan yang memadai atas penerapan prinsip tata kelola teritegrasi. Apabila terdapat kelemahan dalam penerapan tata kelola terintegrasi, secar umum kelemahan tersebut kurang signifikan dan dapat diselesaikan dengan tindakan normal baik oleh Entitas Utama maupun Lembaga Jasa Keuangan (LJK) anggota konglomerasi keuangan / Financial conglomerates has carried out the integrated corporate governance in a well manner in general. This is reflected in the compliance with the implementation of integrated corporate governance. If there is any weakness in the implementation, the weakness is considered not significant and can be finished by normal action, both by the Main Entity and Financial Service Institution (LIK), member of financial conglomerates.

438





KOMITE-KOMITE DI BAWAH DIREKSI


COMMITTEES UNDER BOARD OF DIRECTORS

Komite-Komite Di Bawah Dewan Direksi Committees under the Directors

ASSET & LIABILITY MANAGEMENT COMMITTEE (ALCO)

KOMITE KREDIT / Credit Committee

KOMITE INFORMATION TECHNOLOGY / Information Technology Committee

KOMITE MANAJEMEN RISIKO / Risk Management Committee

KOMITE HUMAN CAPITAL MANAGEMENT (HCM) / Human Capital Management (HCM) Committee

ASSET & LIABILITY MANAGEMENT COMMITTEE

ASSET & LIABILITY MANAGEMENT COMMITTEE

Asset & Liability Management Committee (ALCO) merupakan

Asset & Liability Management Committee (ALCO) is a

komite di bawah Direksi dengan misi mencapai tingkat

committee under Board of Directors with mission of achieving

profitabilitas Perseroan yang optimal serta risiko likuiditas,

the Company’s optimum profitability level along with liquidity

risiko suku bunga, dan risiko valuta asing yang terkendali,

risk, interest rate risk, and controlled foreign exchange risk,

melalui penetapan kebijakan dan strategi aset dan pasiva

through the determination of policies and strategies upon

Perseroan (assets and liabilities management).

assets and liabilities management.

Fungsi Pokok ALCO antara lain:

ALCO main functions are as follows:

• Menetapkan suku bunga deposito, tabungan, dan giro.

• Determining deposits interest rate, saving, and giro.

• Menetapkan suku bunga pinjaman.

• Determining loan interest rate.

• Menetapkan strategis pendanaan dan investasi.

• Determining investment and funding strategy.

• Menetapkan strategi hedging apabila dipandang perlu

• Determining hedging strategy if needed.

melakukan hedging. • Menetapkan limit yang berkaitan dengan risiko likuiditas, risiko suku bunga, dan risiko valuta asing sesuai kebijakan

• Determining the related limit towards liquidity risk, interest rate risk, and foreign exchange risk according to the overall risk taken policies.

pengambilan risiko secara keseluruhan. Wewenang Komite berada pada Rapat Komite yang sah dan

Committee authorities belong to the legal Committee Meeting

memiliki kekuatan penuh atas tanggung jawab Direksi. Komite

and hold an absolute authority on the responsibilities of Board

mempunyai wewenang untuk mengambil keputusan strategis

of Directors. The Committee owns authorities to take strategic

di bidang pengelolaan aset dan pasiva Perseroan (assets and

decisions in the Company’s asset and liabilities management

liabilities management) sejauh tidak melampaui wewenang

as long as it does not exceed the authorities of Board of

Direksi, seperti:

Directors, such as:

• Menetapkan suku bunga deposito, tabungan, dan giro.

• Determining deposits interest rate, saving, and giro.

• Menetapkan suku bunga pinjaman.

• Determining loan interest rate.

• Menetapkan strategi pendanaan dan investasi.

• Determining investment and funding strategy.

• Menetapkan strategi hedging apabila dipandang perlu

• Determining hedging strategy if needed.

melakukan hedging.


439



• Menetapkan limit yang berkaitan dengan risiko likuiditas,



• Determining the related limit towards liquidity risk, interest

risiko suku bunga, dan risiko valuta asing sesuai kebijakan

rate risk, and foreign exchange risk according to the

pengambilan risiko secarakeseluruhan

overall risk taken policies.

Selama 2015, ALCO telah menyelenggarakan 12 kali rapat

During 2015, ALCO held 12 meetings chaired by the Head

yang dipimpin oleh ketua yang seluruh hasil rapatnya

of Committee in which the decision made by consensus

diputuskan berdasarkan musyawarah mufakat dan dituangkan

agreement and written in meeting minutes, and well-

secara tertulis ke dalam risalah rapat serta didokumentasikan

documented to provide recommendations to Board of

dengan baik guna memberikan rekomendasi kepada Direksi.

Directors.

Tabel agenda rapat ALCO

Table of ALCO meeting agenda

Tanggal / Date


20 Januari 23 Februari 23 Maret 23 April 20 Mei 23 Juni 23 Juli

Pembahasan Aset, Liabilitas, Likuditas, Income Structure, Cost Structure, Pricing Strategy, Market & Interest Rate Outlook / Discussion on Assets, Liabilities, Income Structure, Cost Structure, Cost Structure, Pricing Strategy, Market & Interest Rate Outlook.

26 Agustus 23 September 21 Oktober 17 November 21 Desember

KOMITE KREDIT KORPORASI

CORPORATE CREDIT COMMITTEE

Berdasarkan Surat Keputusan No. SK 023/2014/DIR6-

Based on Decree No. 023/2014/DIR6-CA dated November

CA tertanggal 26 November 2014 tentang Susunan dan

26, 2014 regarding the Structure and Authorities of Bank

Wewenang Memutus Untuk Komite Kredit Corporate, diatur

Sinarmas Credit Committee, the provision and determination

ketentuan pemberian dan pemutusan fasilitas, seperti :

are as follows:

• Kredit baik baru maupun existing, tunai dan non-tunai

• New credit, both new and existing, cash and non-cash

• Money Market Line

• Money Market Line

• Forex Line

• Forex Line

• Back to Back

• Back to Back

Selama 2015, Komite kredit tidak menyelengarakan rapat

During 2015, Credit Committee did not hold meeting in

secara fisik, namun seluruh pengambilan keputusan dilakukan

person, but decision-making is conducted circularly.

secara sirkuler.

KOMITE INFORMATION TECHNOLOGY

INFORMATION TECHNOLOGY COMMITTEE

Komite Information Technology (IT) dibentuk guna

Information Technology (IT) Committee is established to

memastikan penerapan sistem teknologi informasi sinergi

ensure the information technology system implementation is

dengan strategi Perseroan. Komite IT bertujuan untuk

in line with the Bank’s strategies. IT Committee is designated

meningkatkan keunggulan bersaing Perseroan melalui

to improve the excellency of Company’s competitiveness

pemanfaatan teknologi informasi yang tepat guna.

through accurate information technology utilization.

440






Berdasarkan SK.017/2015/DIR8-IT tanggal 14 Agustus 2015,

Pursuant to Decree SK.017/2015/DIRB-IT dated August 14,

Komite IT memiliki wewenang dan tanggung jawab untuk

2015, IT Committee has authorities and responsibilities to

memberikan rekomendasi kepada Direksi antara lain:

provide recommendation to the Board of Directors, namely:

• Rencana strategis IT yang sesuai dengan rencana strategis

• IT strategic plan that is in accordance with Bank’s business

kegiatan usaha Bank. Dalam memberikan rekomendasi,

activities strategic plan. In providing recommendation,

Komite hendaknya memperhatikan factor efisiensi,

the Committee shall takes into account efficiency and

efektifitas serta hal-hal sebagai berikut:

effectiveness factors, as well as the following matters:

a) Rencana pelaksanaan (road map) untuk mencapai

a) Road map to fulfill the needs for IT that supports

kebutuhan IT yang mendukung Strategis Bisnis Bank.

the Bank Business Strategy. The Road Map consists

Road map terdiri dari kondisi saat ini (current state),

of current state, future state, and steps required to

kondisi yang ingin dicapai (future state) serta langkah-

achieve future state.

langkah yang akan dilakukan untuk mencapai future state. b) Sumber Daya yang dibutuhkan.

b) Required Resources

c) Keuntungan/manfaat yang akan diperoleh saat

c) Benefits/advantages obtained when the plan is being

rencana diterapkan • Perumusan Kebijakan dan Prosedur IT yang utama seperti

implemented • Formulation of primary IT Procedures and Policies such as

kebijakan pengamanan IT dan manajemen risiko terkait

policies of IT security and risk management related to IT

penggunaan IT di Bank.

usage in Bank.

• Kesesuaian proyek-proyek IT yang disetujui dengan

• Conformity of IT projects that have been approved with IT

Rencana Strategis IT. Komite juga menetapkan status

Strategic Plan. This committee also determines the status

prioritas proyek IT yang bersifat kritikal (berdampak

of IT project priority that is critical in nature (significantly

signifikan terhadap kegiatan operasional Bank) misalnya

impact the Bank’s operational activities) such as changes in

pergantian Core Banking application, server production,

Core Banking application, server production, and network

dan topologi jaringan.

topology.

• Kesesuaian pelaksanaan proyek-proyek IT dengan rencana

• Conformity of IT projects implementation with agreed

proyek (project charter) yang disepakati dalam service level

project charter in service level agreement. The committee

agreement. Komite hendaknya melengkapi rekomendasi

shall complete the recommendation with result of analysis

dengan hasil analisis dari proyek-proyek IT yang utama

from primary IT projects, thus enabling the Board of

sehingga memungkinkan direksi mengambil keputusan

Directors to make decision efficiently.

secara efisien. • Kesesuaian IT dengan kebutuhan sistem informasi manajemen yang mendukung pengelolaan kegiatan usaha Bank. • Efektivitas langkah-langkah minimalisasi risiko atas

• Conformity of IT with the needs of management information system that supports the Bank business activities management. • Effectiveness of steps to minimize risks on Bank’s

investasi Bank pada sektor IT dan bahwa investasi tersebut

investment in IT sector and that the investment provides

memberikan kontribusi terhadap tercapainya tujuan bisnis

contribution to the achievement of Bank’s business

Bank. • Pemantauan atas kinerja IT dan upaya peningkatannya,

objective. • Monitoring of IT performance and improvement, for

misalnya dengan mendeteksi keuangan IT dan mengukur

instance by detecting IT financial and measuring the

efektivias dan efisiensi penerapan kebijakan pengamanan

effectiveness and efficiency of implementation of IT

IT. • Upaya penyelesaian berbagai masalah terkait IT, yang tidak

security policies. • Effort to settle various matters related to IT that cannot be

dapat diselesaikan oleh satuan kerja pengguna dan satuan

settled by user working unit and organizer working unit.

kerja penyelenggara. Komite memfasilitasi hubungan

The committee facilitates the relations between the two

antara kedua satuan kerja tersebut.

working units.


441



• Kecukupan dan alokasi sumber daya yang dimiliki



• Adequacy and allocation of existing resources. If the

Bank. Apabila sumber daya yang dimiliki tidak memadai

existed resources are not adequate and the Bank uses

dan Bank menggunakan jasa pihak lain dalam

service from other parties in IT procurement, the IT

penyelenggaraan IT maka Komite IT harus memastikan

committee shall ensure that the Bank has possessed the

Bank telah memiliki kebijakan dan prosedur terkait

related policies and procedures.

Selama 2015, Komite IT telah menyelenggarakan rapat

In 2015, IT Committee held 2 (two) meetings, chaired by

sebanyak 2 (dua) kali rapat yang dipimpin oleh ketua yang

the Head of Committee in which the decision made by

seluruh hasil rapatnya diputuskan berdasarkan musyawarah

consensus agreement and written in Meeting Minutes, and

mufakat dan dituangkan secara tertulis ke dalam risalah

well-documented to provide recommendations to Board of

rapat serta didokumentasikan dengan baik guna memberikan

Directors.

rekomendasi kepada Direksi. Tabel agenda rapat Komite IT

Table of IT Committee meeting agenda

Tanggal / Date 30 Juli 2015 / July 30, 2015 16 Desember 2015 / December 16, 2015

Agenda Rapat / Meeting Agenda 1. Tata Kelola IT Steering Commitee / IT Steering Committee Governance 2. Testing DRP 2015 (Switchover DC - DRC) / DRP 2015 testing (Switchover DC - DRC) 1. T24 Upgrade 2. Big Data Splunk 3. SmartVista

KOMITE MANAJEMEN RISIKO

RISK MANAGEMENT COMMITTEE

Komite Manajemen Risko merupakan komite yang berada

Risk Management Committee is a committee in position on

di tingkat eksekutif, yang bertanggung jawab melakukan

executive level and is responsible in conducting evaluation on

evaluasi terhadap laporan profil risiko, mengevaluasi

risk profiles report, evaluates risk methodology and determines

metodologi risiko serta menentukan strategi untuk memitigasi

strategy to mitigate and control certain risks.

dan mengendalikan risiko-risiko tertentu. Berdasarkan Surat Keputusan No. SK.015/2013/PRESDIR-

Based on Decree No. 015/2013/PRESDIR-CorpSec dated April

CorpSec tanggal 17 April 2013 tentang Perubahan Susunan,

17, 2013, the duties and responsibilities of Risk Management

Wewenang dan Tanggung Jawab Komite Manajemen Risiko,

Committee are providing recommendations to President

wewenang dan tanggung jawabnya adalah melakukan

Director related to Risk Management including, at the very

evaluasi dan memberikan rekomendasi kepada Direktur Utama

least:

terkait Manajemen Risiko yang paling kurang meliputi: • Penyusunan kebijakan manajemen risiko serta

• Formation of Risk Management policy and its changes,

perubahannya, termasuk tingkat risiko yang diambil,

including the Risk Management strategy, the level of risk

toleransi risiko, strategi manajemen risiko dan contingency

taken and risk tolerance, Risk Management frameworks

plan apabila terjadi kondisi eksternal tidak normal terjadi.

as well as contingency plans to anticipate abnormal

Penyusunan dimaksud dilakukan bersama-sama dengan

conditions. This formation is aimed to be conducted

pimpinan satuan kerja operasional dan pimpinan Satuan

altogether with operational work unit leaders and Risk

Kerja Manajemen Risiko (SKMR). • Perbaikan atau penyempurnaan penerapan manajemen

Management Work Unit (SKMR) head. • Completion of the Risk Management process periodically

risiko yang dilakukan secara berkala maupun bersifat

and incidental as a result of a change in the Bank’s

insidentil sebagai akibat dari suatu perubahan kondisi

external and internal conditions affecting the Bank’s capital

eksternal dan internal Bank yang mempengaruhi

adequacy, risk profile, and evaluation result upon the

kecukupan permodalan dan profil risiko Bank dan hasil

affectivity of the application.

evaluasi terhadap efektifitas penerapan tersebut.

442




• Penetapan (justification) atas hal-hal yang terkait



• Determination of policies and/or business decisions

dengan keputusan-keputusan bisnis yang menyimpang

deviating from normal procedures (irregularities), such

dari prosedur normal (irregularities), seperti keputusan

as decision that exceeds significant business expansion

pelampauan ekspansi usaha yang signifikan dibandingkan

compared to business plan determined previously or

dengan rencana bisnis Bank yang telah ditetapkan

position/exposuremaking that exceeds the determined

sebelumnya atau pengambilan posisi/eksposur risiko yang

limitation.

melampaui limit yang telah ditetapkan. Selama 2015, Komite Manajemen Risiko telah

During 2015, Risk Management Committee held 4 (four)

menyelenggarakan rapat sebanyak 4 (empat) kali rapat yang

meetings,, chaired by the Head of Committee in which

dipimpin oleh ketua yang seluruh hasil rapatnya diputuskan

the decision made by consensus agreement and written

berdasarkan musyawarah mufakat dan dituangkan secara

in Meeting Minutes, and well-documented to provide

tertulis ke dalam risalah rapat serta didokumentasikan dengan

recommendations to Board of Directors.

baik guna memberikan rekomendasi kepada Direksi. Tabel agenda rapat Komite Manajemen Risiko Tanggal / Date

Table of Risk Management Committee meeting agenda Agenda Rapat / Meeting Agenda


Hasil Self Assessment Tingkat Kesehatan Bank Semester II/2014 serta Profil Risiko Bank & UUS Triwulan IV/2014 / Result of Self Assessment of Bank’s Soundness Level for Semester II/2014 and Profile of Risk of Bank Risk & UUS for Quarter IV/2014

11 April 2015 / April 11, 2015

Hasil Self Assessment Profil Risiko Bank dan Profil Risiko UUS Triwulan I/2015 / Result of Self Assessment of Bank Risk Profile and UUS Risk Profile for Quarter I/2015

15 Juli 2015 / July 15, 2015


Hasil Self Assessment Tingkat Kesehatan Bank Semester I/2015 serta Profil Risiko Bank & UUS Triwulan II/2015 / Result of Self Assessment of Bank’s Soundness Level for Semester I/2015 and Profile of Risk of Bank & UUS for Quarter II/2015 Hasil Self Assessment Profil Risiko Bank & UUS Triwulan III/2015 serta Simulasi Hasil Self Assessment Tingkat Kesehatan Bank Triwulan III/2015 / Result of Self Assessment of Profile of Risk of Bank & UUS for Quarter III/2015 and Simulation of Result of Self Assessment if Bank’s Soundness Level for Quarter III/2015

KOMITE HUMAN CAPITAL MANAGEMENT

HUMAN CAPITAL MANAGEMENT COMMITTEE

Dasar pembentukan Komite Human Capital Management

The foundation of Human Capital Management (HCM)

(HCM) adalah berdasarkan Surat Keputusan Direksi No.

Committee establishment is based on Decreeof Board of

SK.961/2013/DIR6-HCM tanggal 13 Juni 2013 tentang

Directors No.SK.961/2013/DIR6-HCM dated June 13, 2013

Susunan dan Wewenang Human Capital Committee, yang

regarding the Composition and Authorities of Human

diketuai oleh Direktur Utama. Tugas dan tanggung jawab

Capital Committee, chaired by President Director. The duties

Komite HCM adalah memutuskan promosi, mutasi, demosi,

and responsibilities of HCM Committee are to determine

untuk karyawan dengan jabatan minimal setara Departement

promotion, mutation, demotion, for employees in position at

Head.

least equal to Department Head.

Selama 2015, Komite HCM tidak menyelenggarakan rapat

During 2015, HCM Committee did not hold meetings in

secara fisik namun seluruh pengambilan keputusan dilakukan

person, but decision-making was conducted circularly.

secara sirkuler.


443





SATUAN KERJA AUDIT INTERNAL (SKAI)

INTERNAL AUDIT UNIT

Satuan Kerja Audit Internal (SKAI) merupakan fungsi

Internal Audit Unit (SKAI) is an independent function that

independen yang bertanggung jawab langsung kepada

reports directly to the Managing Director and Board of

Direktur Utama dan Dewan Komisaris melalui Komite Audit.

Commissioners through the Audit Committee. Internal Audit

SKAI juga berfungsi memberikan assurance dan berperan

function is to provide assurance and serve as a strategic

sebagai strategic business partner bagi semua tingkatan

business partner for all levels of management in order to

manajemen guna mendorong pencapaian tujuan dan sasaran

encourage the achievement of the goals and objectives of

Bank dengan melakukan evaluasi berdasarkan risk based audit

the bank to evaluate risk based audit independently and

secara independen dan objektif, serta jasa konsultasi bagi

objectively, as well as consulting services for the internal bank.

pihak intern Bank. Struktur Organisasi dan SDM SKAI

Internal Audit Unit’s Organization Structure and HR

SKAI dipimpin oleh Darwanti Juliastuti Haryo. Kepala SKAI

SKAI is led by Darwanti Juliastuti Haryo. Head of Internal Audit

diangkat dan diberhentikan oleh Direktur Utama dengan

is appointed and dismissed by the Managing Director with the

persetujuan Dewan Komisaris/Komite Audit dan dilaporkan

approval from Board of Commissioners / Audit Committee and

kepada Regulator.

reported to the Regulator.

Struktur organisasi SKAI Bank Sinarmas dan kedudukannya

The organizational structure of Bank Sinarmas’ Internal Audit

dapat dilihat pada bagan sebagai berikut:

Unit can be seen in the following chart:

Group Head

Darwanti Juliastuti

Retail & Micro Small Credit Risk Audit Div. Head Syafaat Utama S

Audit Dev. & Quality Assurance Dept. Head

Retail & Micro Small Credit Risk Audit Dept. Head

Operational Risk Audit & Special Case Division Head Kanthi Nalarantini

Operational Risk Audit & Special Case Department Head

Credit Risk Audit Division Head Elizabeth Megawati

Branches Coordinator Dept. Head (Regional 1,4,5)


Credit Risk Audit Department Head

Branch Coordinator Sect. Head (Regional 6)

Branch Coordinator Sect. Head (Regional 7)

Retail & Micro Small Credit Risk Audit Sect. Head

Audit Dev. & Quality Assurance Sect. Head

Operational Risk AuditProduct & Special Case Sect. Head

Operational Risk AuditTransaction & Special Case Sect. Head

Branches Coordinator Section Head (Regional 1)



Credit Risk Audit Section Head



Branch Auditor

Branch Auditor

Head Office Auditor

Head Office Auditor

Head Office Auditor

Head Office Auditor

Branch Auditor

Branch Auditor

Branch Auditor

Head Office Auditor

Branch Auditor

Branch Auditor

444






Guna mendukung independensi dan menjamin kelancaran

In order to support the independency and ensure proper audit

audit serta wewenang dalam memantau tindak lanjut, maka

process, as well as the authority to monitor the follow-up

Kepala SKAI dapat berkomunikasi langsung dengan Dewan

action, the Head of Internal Audit can directly communicate

Komisaris atau Komite Audit untuk menginformasikan

with the Board of Commissioners or Audit Committee

berbagai hal yang berhubungan dengan audit. SKAI telah

to inform various matters related to audit. Internal Audit

mendapat dukungan dari Manajemen dan Dewan Komisaris

has gained support from the Management and the Board

sehingga SKAI tidak mendapat hambatan dalam melakukan

of Commissioners, thus the Internal Audit does not face

pekerjaannya.

disruption in conducting its activity.

Treasury & International Banking Risk Audit Division Head Femi Anggraini

Treasuy & Int’l Banking Risk Audit Department Head

APMK, E-channel & IT Risk Audit Division Head Zulkarnaen


APMK, E-channel & IT Risk Audit Department Head



Treasury & International Banking Risk Audit Sect. Head

Syariah Section Head




APMK Risk Audit Sect. Hea

E-Channel Risk Audit Sect. Head

IT Risk Audit Sect. Head




Branch Auditor

Head Office Auditor

Branch Auditor

Branch Auditor

Branch Auditor

Branch Auditor

Head Office Auditor

Head Office Auditor

Head Office Auditor

Branch Auditor

Branch Auditor

Branch Auditor


445



Kedudukan dan Hubungan SKAI dalam Organisasi



Internal Audit’s Position and Relationship In Organization

SKAI harus mendapat dukungan dari manajemen dan Dewan

Internal Audit Unit shall have the support of management

Komisaris agar para auditor dapat memperoleh kerja sama

and Board of Commissioners that the auditor can obtain the

dari auditee dan melakukan pekerjaan tanpa hambatan.

cooperation of the auditee and do the job without a hitch.

Kedudukan SKAI dalam organisasi Bank Sinarmas adalah

Internal Audit’s position in Bank Sinarmas’ organization is as

sebagai berikut :

follows:


Audit Committee

President Director Compliance Director SKAI Group Head

Profil Darwanti Juliastuti Haryo - Ketua Audit Internal

Profile of Darwanti Juliastuti Haryo - Head of Internal Audit

Darwanti Juliastuti Haryo Ketua Audit Internal Head of InternalAudit

Warga Negara Indonesia, 46 tahun. Menjabat sebagai

Indonesian Citizen, 46 years old. She served as head of

Kepala Audit Internal sejak 1 Januari 2011 sebagaimana

Internal Audit since January 1, 2011 pursuant to Decree of

Surat Keputusan PT. Bank Sinarmas Tbk. Nomor

PT. Bank Sinarmas Tbk. No. SK.012/2011/PRESDIR-HRM dated

SK.012/2011/PRESDIR-HRM tanggal 28 Desember 2010

December 28, 2010 and reported to Bank Indonesia with

dan telah dilaporkan kepada Bank Indonesia dengan surat

letter No. SKL.002/2011/PRESDIR-CorpSec dated January 3,

No.SKL.002/2011/PRESDIR-CorpSec tanggal 3 Januari 2011.

2011.

Mengawali karir di Bank Sinarmas mulai 2004 sebagai Divison

In 2004, she started her career at Bank Sinarmas as Division

Head Satuan Kerja Audit Internal (SKAI) hingga September

Head of Internal Audit Work Unit (SKAI) until September 2005

2005, kemudian dilanjutkan sebagai Kepala Grup (Group

prior to be appointed as Group Head of Risk Management

446






Head) Satuan Kerja Manajemen Risiko sejak Oktober 2005

Work Unit from October 2005 up to December 2010.

hingga Desember 2010. Meraih gelar Sarjana Ekonomi dari

She obtained Bachelor of Economics degree from Faculty

Fakultas Ekonomi Universitas Indonesia jurusan Akuntansi

of Economics, Accounting major in 1994 and Master of

pada 1994 dan Magister Manajemen jurusan Manajemen

Management, Risk Management major in 2007 from

Risiko pada 2007 dari Universitas Indonesia, serta memiliki

University of Indonesia, as well as having BSMR Level 5

sertifikasi BSMR Level 5. Selain pendidikan formal, Beliau

certification. In addition to formal education, she attended

juga mengikuti sejumlah pelatihan dan seminar diantaranya,

trainings and seminars such as Bank Internal Auditor

Konferensi Ikatan Auditor Intern Bank (IAIB) di Belitung

Association (IAIB) Conference 2014 in Belitung Business

2014, Business Continuity Management Training Program di

Continuity Management Training Program 2014 in Jakarta,

Jakarta pada 2014, Seminar The Institute of Internal Auditors

and Seminar of The Institute of Internal Auditors Indonesia

Indonesia (IIA) tahun 2015 di Yogyakarta.

(IIA) in 2015 in Yogyakarta.

Kualifikasi dan Jumlah Personil SKAI

Qualification and Total Internal Audit Personnels

Jumlah dan kualifikasi jabatan pegawai SKAI per posisi 31

Internal Audit’s total personnels and qualification as of

Desember 2015, dapat dilihat pada tabel berikut:

December 31, 2015 can be observed in the following table:

Tabel jumlah pegawai SKAI

Table of total Internal Audit employees

No


S2 / Master’s

S1 / Bachelor’s

Jumlah / Total

1

Kepala SKAI / Head of Internal Audit

1

-

1

2

Kepala Divisi / Division Head

-

5

5

3

Kepala Departemen / Department Head

-

7

7

4

Kepala Seksi / Section Head

3

18

21

5

Auditor / Auditor

5

103

108

9

133

142

Jumlah / Total Sertifikasi

Certification

Untuk meningkatkan profesionalisme dan kompetensi secara

In order to improve the professionalism and competence on

berkesinambungan, SKAI telah melaksanakan serangkaian

an ongoing basis, Internal Audit has implemented a series

program pelatihan teknis dan sertifikasi profesi bagi para

of technical training programs and professional certification

auditor, termasuk pelatihan soft-skills. Adapun sertifikasi

for auditors, including soft-skills training. Professional

profesi yang telah diikuti oleh SKAI adalah Sertifikasi

certification that has been followed by Internal Audit Unit is

Manajemen Risiko level 1 sampai level 5 sebanyak 34 orang.

Risk Management Certification level 1 - 5 of 34 people. In

Selain itu, SKAI juga telah mengikuti Sertifikasi Auditor Intern

addition, Internal Audit Unit also participated in auditor-level

Bank level auditor sebanyak 19 orang.

Bank internal Auditor Certification with 19 participants.

Tugas dan Tanggung Jawab SKAI


Berdasarkan Peraturan Bank Indonesia No. 1/6/PBI/1999

Pursuant to Bank Indonesia Regulation No. 1/6/PBI/1999 on

tentang Penugasan Direktur Kepatuhan (Compliance Director)

the Assignment of Compliance Director and Internal Audit

dan Penerapan Standar Pelaksanaan Fungsi Audit Intern Bank

Function Implementation Standards for Public Bank (SPFAIB),

Umum (SPFAIB), tugas dan tanggung jawab SKAI adalah

Internal Audit has the following duties and responsibilities:

sebagai berikut: • SKAI bertugas dan bertanggung jawab untuk membantu

• Internal Audit is responsible to support the tasks of

tugas Direktur Utama dan Dewan Komisaris dalam

Managing Director and Board of Commissioners in

melakukan pengawasan dengan cara menjabarkan secara

supervising planning, implementation, and audit result

operasional baik perencanaan, pelaksanaan, maupun

monitoring with operational descriptions;

pemantauan hasil audit.


447



• Melakukan analisis dan penilaian di bidang keuangan,



• Analyze and assess financial, accounting, operational

akuntansi, operasional dan kegiatan lainnya melalui

and other activity fields through onsite and off-site

pemeriksaan secara langsung (on-site) dan pemantauan

investigations;

secara tidak langsung (off-site). • Mengindentifikasi segala kemungkinan untuk memperbaiki dan meningkatkan efesiensi penggunaan

• Identify all possibilities to recover and improve the efficiency of resources and fund utilization;

sumber daya dan dana. • Memberikan informasi dan saran perbaikan yang objektif tentang kegiatan yang di review kepada semua tingkatan

• Provide information and objective recovery advice over reviewed activities to all management levels.

manajemen. Hubungan SKAI dengan Unit-Unit Lain

Relationship with Other Units

Tabel hubungan SKAI dengan unit-unit lain

Table of Internal Audit’s relationship with other units

Unit / Unit


Dewan Komisaris / Board of Commissioners

SKAI memiliki hubungan langsung dengan Dewan Komisaris atau melalui Komite Audit yang diketuai Komisaris Independen. Tanggung jawab akhir pengawasan ada pada Dewan Komisaris. Dalam hubungan ini, Dewan Komisaris berwenang untuk meminta Direksi menindaklanjuti hasil temuan pemeriksaan SKAI / Internal Audit Unit has direct connection to Board of Commissioners or through the Audit Committee chaired by an Independent Commissioner. Board of Commissioners is in charge of final supervisory. In this relation, Board of Commissioners is responsible to ask Board of Directors to follow up findings of the Internal Audit Unit.


Kepala SKAI bertanggung jawab langsung kepada Direktur Utama. SKAI menyampaikan laporannya kepada Direktur Utama dan Dewan Komisaris/Komite Audit dengan tembusan kepada Direktur Kepatuhan / Head of Internal Audit Unit is directly responsible to President Director. The Internal Audit Work Unit submits its report to President Director and Board of Commissioners/Audit Committee with a copy forwarded to Compliance Director.

Komite Audit / Audit Committee

SKAI setiap saat dapat berkomunikasi dan memiliki akses yang tidak terbatas kepada Komite Audit untuk menginformasikan berbagai hal yang berhubungan dengan hasil audit. Komite Audit akan melakukan evaluasi apakah rekomendasi perbaikan yang disampaikan oleh SKAI telah ditindaklanjuti oleh manajemen. Informasi ini harus disampaikan kepada Direktur Utama / Internal Audit Unit is able to communicate at any time and has no limited access to Audit Committee to submit information related to auditing results. Audit Committee will further evaluate whether the Internal Audit Work Unit’s recommendation for improvement has been followed-up by the management. The information must be submitted to President Director.

Direktur Kepatuhan / Compliance Director

Laporan audit yang disampaikan SKAI kepada Direktur Utama dan Dewan Komisaris/Komite Audit, diberikan tembusannya kepada Direktur Kepatuhan antara lain dimaksudkan untuk dijadikan sebagai informasi dalam rangka penyempurnaan prosedur kepatuhan yang ada di setiap unit kerja / Compliance Director receives a forwarded copy of Audit report submitted by the Internal Audit Unit to President Director and Board of Commissioners/Audit Committee and uses it as information to improve compliance procedures existing in each work unit.

Auditee / Auditee

Auditee berkewajiban untuk bersikap kooperatif demi kelancaran tugas SKAI, dan segera menindaklanjuti hasil temuan pemeriksaan SKAI serta memberikan komitmen untuk melakukan perbaikan dalam batas waktu tertentu. Dalam hal auditee tidak bersikap kooperatif dan tidak melakukan tindak lanjut perbaikan sesuai dengan komitmen yang telah disepakati, akan diberikan sanksi sesuai dengan peraturan perusahaan yang berlaku / The Auditee must be cooperative in supporting Internal Audit Unit’s duties, following-up audit findings as well as being committed to carry out improvement in a certain frame of time. Should the Auditee fails to cooperate and does not conduct follow-up on audit finding as it is approved, a sanction will be given in accordance with the prevailing company’s regulation.

Auditor Eksternal / External Auditor

SKAI bertanggung jawab untuk mengkoordinasikan kegiatannya dengan kegiatan Auditor Ekstern / Internal Audit Unit is responsible for coordinating its activities with External Auditor’s.

448






Independensi SKAI

Independency of Internal Audit

Berdasarkan Piagam Audit Intern yang ditetapkan pada

Based on Internal Audit Charter published in December 11,

tanggal 11 Desember 2015, indepedensi SKAI adalah sebagai

2015, the Internal Audit Unit’s Independency is as follows:

berikut : 1. SKAI harus dapat bekerja dengan bebas tanpa campur tangan ataupun tekanan dari pihak manapun. 2. SKAI harus memiliki kebebasan dalam menetapkan metode, cara, teknik, dan pendekatan audit yang akan

1. Internal Audit Unit must perform independently without intervention or pressure from any party. 2. Internal Audit Unit must be independent in determining the methods, means, techniques and audit approach.

dilakukan. 3. SKAI harus memelihara sikap mental yang independen

3. Internal Audit Unit must maintain independent mental

dalam melakukan audit, yang tercermin dari laporan yang

attitude in auditing, as reflected in complete and objective

lengkap, obyektif, serta berdasarkan analisa yang cermat

reports based on thorough and unbiased analysis.

dan tidak memihak. 4. SKAI tidak diperkenankan merangkap jabatan atau

4. Internal Audit Unit is not permitted to have concurrent

melakukan kegiatan operasional lainnya, dan tidak terlibat

positions or perform other operational activities and must

dalam pengambilan keputusan operasional (hanya sebatas

not involve in operational decision-making process (limited

memberikan rekomendasi).

to providing recommendations).

5. SKAI dan auditor internal harus independen dari kegiatan yang diaudit.

5. Internal Audit Unit and internal auditors must be independent from the activities audited.

Realisasi Audit Plan 2015

2015 Audit Plan Realization

SKAI telah melaksanakan program kerja sesuai dengan

Internal Audit Unit has performed its work program in

Rencana Kerja SKAI pada 2015 sebagai berikut:

accordance with Internal Audit Unit Work Plan in 2015 as follows:

1. 40 Kantor Cabang dan 19 Divisi/Unit Kerja dilakukan pemeriksaan tahunan.

1. Annual inspection at 40 Branch Offices and 19 Divisions/ Work Units

2. Surprise audit pada 5 kantor Bank Sinarmas.

2. Surprise audit at 5 offices of Bank Sinarmas

3. On the spot audit pada 163 kantor Bank Sinarmas.

3. On-the-spot audit for 163 offices of Bank Sinarmas

Atas pemeriksaan yang telah dilakukan SKAI selama 2015,

The follow-ups for the audits conducted by Internal Audit Unit

tindak lanjutnya antara lain :

in 2015 are as follows:

1. Merekomendasikan kepada Manajemen untuk melakukan

1. Provide recommendations to the Management in

sosialisasi maupun edukasi untuk meningkatkan

implementing dissemination and education to improve

pemahaman petugas terhadap alur kerja unit kerja,

the staff’s understanding towards work units work flow,

ketentuan yang ada, hingga setiap kemungkinan risiko

existing regulations, to each possibility of risk arising in

yang terjadi pada setiap tugas dan tanggung jawab unit

every task and responsibility of work units.

kerja. 2. Menyampaikan laporan hasil pemeriksaan kepada Manajemen dalam bentuk laporan Excecutive Summary

2. Deliver investigation result report to the Management in the form of Executive Summary and quarterly report.

dan laporan triwulan. 3. Aktif melakukan monitoring atas tindak lanjut dari rekomendasi hasil pemeriksaan.


3. Active monitoring on the recommendation of investigation result follow-up.

449





Laporan Pelaksanaan Kerja SKAI

Work Implementation Report of Internal Audit Unit

Selama 2015, laporan pelaksanaan kerja SKAI sebagai berikut:

Internal Audit Unit’s duties implementation report throughout 2015 is as follows:

1. Membuat dan menyampaikan laporan progres dan hasil

1. Regularly compose and deliver progress and achievement

pencapaian Rencana Kerja Tahunan, serta kecukupan

result on Annual Work Plan report, as well as human

sumber daya kepada Direktur Utama dan Komite Audit

resources adequacy to Managing Director and Audit

secara berkala.

Committee.

2. Membuat dan menyampaikan laporan pelaksanaan

2. Compose and deliver implementation and internal audit

dan pokok-pokok hasil audit internal kepada Otoritas

result in semester report to Financial Services Authorities

Jasa Keuangan secara semesteran setelah mendapat

(OJK) after the approval from Managing Director and

persetujuan dari Direktur Utama dan Direktur Kepatuhan.

Compliance Director.

3. Laporan hasil kaji ulang pihak eksternal yang memuat

3. Compose review report of external party which consists of

pendapat tentang hasil kerja SKAI dan kepatuhannya

opinion on SKAI performance and compliance with SPFAIB

terhadap SPFAIB serta perbaikan yang mungkin dilakukan.

and possible improvement.

Rencana Kerja SKAI 2016

2016 Internal Audit Unit Work Plan

SKAI telah menyusun rencana kerja yang telah disetujui oleh

Internal Audit Unit drafts a work plan, which has been

Direktur Utama, yaitu sebagai berikut:

approved by President Director The plan is as follows:

1. Audit tahunan pada Kantor Cabang baik Konvensional

1. Annual audit at Conventional and Sharia Branch Offices

dan Sharia, serta Divisi/Unit Kerja. 2. Pemeriksaan secara Surprise Audit dan On The Spot Audit

and at Work Divisions/Units. 2. Conduct Surprise Audit and On-The-Spot Audit at Bank

pada kantor-kantor Bank Sinarmas yang tidak termasuk

Sinarmas offices, excluding offices that are not included in

pada jadwal audit tahunan.

annual audit schedule.

3. Peningkatan kualitas audit dimulai dari proses pemeriksaan

3. Audit quality improvement from integrated examination at

yang terintegrasi dari awal persiapan sampai dengan

the beginning up to the composing of Examination Report

pembuatan Laporan Hasil Pemeriksaan dan tindaklanjut

and follow-ups (SLA).

hasil pemeriksaan (SLA). 4. Meningkatkan dan menjaga aspek kuantitas dan kualitas auditor melalui program pelatihan dan sertifikasi

4. Improve and maintain auditor’s quantity and quality through training and certification.

berkelanjutan.

SATUAN KERJA MANAJEMEN RISIKO (SKMR)

RISK MANAGEMENT WORK UNIT (SKMR)

Bank Sinarmas memiliki Satuan Kerja Manajemen Risiko

Bank Sinarmas has a Risk Management Work Unit (SKMR),

(SKMR) yang merupakan satuan kerja yang independen

an independent unit from the risk-taking units such as

terhadap satuan kerja operasional (risk taking unit) seperti

operational, treasury and investment, credit, finance,

operasional, treasury dan investasi, kredit, pendanaan,

accounting, and from Internal Audit Unit.

akunting dan terhadap satuan kerja yang melaksanakan pengendalian internal (Satuan Kerja Audit Internal). Pada posisi Desember 2015, SKMR terdiri dari 3 Divisi yaitu

In December 2015, SKMR consisted of 3 Division, namely

Divisi Credit Risk Management, Divisi Operational Risk Division,

Credit Risk Management Division, Operational Risk Division,

Divisi Market, Liquidity Risk dan Enterprise Risk Management

Market, Liquidity Risk and Enterprise Risk Management

dengan total jumlah karyawan sebanyak 15 orang. Satuan

Division with total employees of 15 employees. Risk

Kerja Manajemen Risiko bertanggung jawab kepada Direktur

Management Work Unit is responsible to Risk Management

Manajemen Risiko.

Director.

450






Struktur SKMR / SKMR Structure

RISK MANAGEMENT DIRECTOR

Head of Risk Management Group

Operational Risk Management Division

Credit Risk Management Division

Wholesale Credit Risk Management Department

Retail Credit Risk Management Department

Policy & Operational Risk Review Department

Operational Risk & Infrastructure Department

Market, Liquidity Risk & ERM Division

Market-Liquidity Management Department

Enterprise Risk Management (ERM) Department



Tanggung jawab SKMR dalam melaksanakan penerapan

SKMR has the following duties in implementing risk

manajemen risiko adalah sebagai berikut:

management:

1. Memberikan masukan kepada Direksi dalam penyusunan

1. Provide feedback to Board of Directors in the development

kebijakan, strategi, serta kerangka manajemen risiko. 2. Mengembangkan prosedur dan alat untuk identifikasi, pengukuran, pemantauan dan pengendalian risiko. 3. Memantau pelaksanaan strategi manajemen risiko yang

of policies, strategies, and risk management framework. 2. Develop procedures and tools for the identification, measurement, monitoring and risk control. 3. Monitoring of the implementation of risk management

direkomendasikan oleh Komite Manajemen Risiko dan

strategies recommended by Risk Management Committee

yang telah disetujui oleh Direksi.

and approved by Board of Directors.

4. Memantau posisi/eksposur risiko secara keseluruhan

4. Monitoring the overall risk position/exposure (composite)

(composite), per jenis risiko maupun per aktivitas

per risk type and per functional activity based on the

fungsional sesuai limit risiko yang ditetapkan. 5. Melakukan stress testing guna mengetahui dampak dari

determined risk limit. 5. Perform stress-testing to determine the impact of the

pelaksanaan kebijakan dan strategi manajemen risiko

implementation of risk management policies and strategies

terhadap kinerja masing-masing satuan kerja operasional.

on the performance of each operating unit.

6. Melakukan kajian terhadap usulan aktivitas dan/atau produk baru yang diajukan atau dikembangkan oleh suatu unit tertentu yanh ada pada Bank. 7. Memberikan rekomendasi mengenai besaran atau

6. Perform assessment of the proposed activities and/or new products proposed or developed by a specific unit of the Bank. 7. Provide recommendations on the amount or the maximum

maksimum eksposur risiko yang wajib dipelihara Bank

risk exposure that must be maintained by the Bank to

kepada satuan kerja operasional dan kepada Komite

operational unit and Risk Management Committee, in

Manajemen Risiko, sesuai dengan kewenangan yang

accordance with the competency of Risk Management

dimiliki Satuan Kerja Manajemen Risiko.

Unit.

8. Melakukan evaluasi terhadap akurasi model dan validasi data yang digunakan oleh Bank untuk mengukur risiko. 9. Penyusunan dan penyampaian laporan Profil Risiko setiap triwulan dan Tingkat Kesehatan Bank setiap semester


8. Evaluation of the accuracy of the model and the validation of the data used by the Bank to measure risks. 9. Preparation and submission of quarterly reports and the risk profile of the Bank semiannually Risk Management

451





Komite Manajemen Risiko dan Komite Pemantau Risiko,

Committee and Risk Monitoring Committee, which will

yang kemudian akan dilaporkan kepada Otoritas Jasa

then be reported to the Financial Services Authority (FSA).

Keuangan. 10. Melakukan pemantauan dan kaji ulang terhadap implementasi kebijakan, strategi dan kerangka manajemen

10. Monitoring and review on the implementation of risk management policy, strategy and framework.

risiko.

SATUAN KERJA KEPATUHAN (SKK)

COMPLIANCE WORK UNIT (SKK)

Satuan Kerja Kepatuhan (SKK) dibentuk berdasarkan

Compliance Work Unit was established pursuant to

Peraturan Bank Indonesia No. 13/2/PBI/2011 tentang

Bank Indonesia Regulation No.13/2/PBI/2011 on The

pelaksanaan Fungsi Kepatuhan Bank Umum.

Implementation of Compliance Function of Commercial Banks.

Peran dan fungsi SKK sangatlah penting untuk memastikan

Roles and functions of SKK are necessary to ensure that

aturan yang dibuat oleh Bank selaras dengan peraturan/

regulations made by Bank are in accordance with external

ketentuan eksternal serta memastikan penerapan atas

regulations/provisions, and to ensure that the regulations/

peraturan/ketentuan tersebut telah dilaksanakan dengan

provisions have been implemented in a well manner.

baik. Ketidakpatuhan terhadap peraturan/ ketentuan dapat

Disobedience to the regulations/provisions can cause financial

menimbulkan risiko yang bersifat finansial seperti denda, dan

risks, such as fine, and non-financial risks, such as written

non finansial seperti peringatan tertulis.

warning.

Sebagai komitmen Perseroan untuk senantiasa mematuhi

As a commitment of the Company to continue to comply

peraturan dan ketentuan yang dikeluarkan oleh regulator,

with the rules and regulations issued by the regulator, Bank

Bank Sinarmas membentuk SKK yang bersifat independen dan

Sinarmas established the SKK which is independent and free

bebas dari pengaruh satuan kerja lainnya serta mempunyai

from the influence of other work units as well as having direct

akses langsung kepada Direktur Kepatuhan.

access to the Compliance Director.

Direktur yang Membawahi Fungsi Kepatuhan

Overseeing Director for Compliance Function

Direktur yang membawahkan Fungsi Kepatuhan adalah Salis

Overseeing Director for Compliance Function is Salis Teguh

Teguh Hartono selaku Direktur Compliance.

Hartono as Compliance Director.

Proses Pengangkatan, Pemberhentian dan/atau

Appointment, Dismissal and/or Resignation Process of

Pengunduran Diri Direktur Kepatuhan

Compliance Director

Proses pengangkatan, pemberhentian dan/atau pengunduran

The appointment, dismissal and/or resignation process

Direktur yang membawahkan Fungsi Kepatuhan di Bank

of Overseeing Director for Compliance Function in Bank

Sinarmas telah diatur sebagai berikut:

Sinarmas have been regulated s follows:

1. Pengangkatan, pemberhentian, dan/atau pengunduran

1. The appointment, dismissal and/or resignation of

diri Direktur yang membawahkan Fungsi Kepatuhan Bank

Overseeing Director for Compliance Function of Bank

Sinarmas telah mengacu kepada ketentuan mengenai

Sinarmas refers to the regulations on the appointment,

pengangkatan, pemberhentian, dan/atau pengunduran

dismissal and/or resignation of Board of Directors’

diri anggota Direksi sebagaimana dimaksud dalam

members in Bank Indonesia regulation on Commercial

ketentuan Bank Indonesia yang mengatur mengenai Bank

Bank, and PBI No. 132/PBI2011 on the Implementation of

Umum, serta PBI No. 13/2/PBI/2011 tentang Pelaksanaan

Compliance Function.

Fungsi Kepatuhan. 2. Dalam hal Direktur yang membawahkan Fungsi Kepatuhan

2. In the event of Overseeing Director for Compliance

berhalangan tetap, mengundurkan diri, atau habis masa

Function is permanently absent, resigns or is at the end of

jabatannya, maka Bank segera mengangkat pengganti

his/her tenure, the Company must immediately appoint a

Direktur yang membawahkan Fungsi Kepatuhan.

successor for the position.

452





3. Selama dalam proses penggantian Direktur yang


3. During the appointment process for the position of

membawahkan Fungsi Kepatuhan, ditunjuk salah satu

Overseeing Director for Compliance Function, another

Direktur lainnya untuk sementara melaksanakan tugas

Director shall be appointed to temporarily run his/her

Direktur yang membawahkan Fungsi Kepatuhan.

duties.

4. Direktur yang melaksanakan tugas sementara sebagai

4. The Director that temporarily conduct duties as Overseeing

Direktur yang membawahkan Fungsi Kepatuhan, baik

Director for Compliance Function, both due to temporary

karena berhalangan sementara maupun berhalangan

or permanent absence, shall not be concurrently assigned

tetap, tidak dirangkap oleh Direktur Utama dan/atau Wakil

to President Director and/or Vice President Director and

Direktur Utama dan Direktur yang membawahkan fungsi-

other Directors conducting functions that may affect his/

fungsi yang dapat mempengaruhi independensinya. Dalam

her independency. In the event of the absence of other

hal direktur lain yang merangkap jabatan Direktur yang

director that serves concurrently as Overseeing Director

membawahkan Fungsi kepatuhan tidak ada, maka jabatan

for Compliance Function, such position will be temporarily

Direktur yang membawahkan Fungsi Kepatuhan dirangkap

assigned to other Director that oversees operational

sementara oleh Direktur lainnya yang membawahkan

functions.

fungsi-fungsi operasional. 5. Setiap penggantian jabatan Direktur yang membawahkan

5. Each change of position for Overseeing Director for

Fungsi Kepatuhan senantiasa dilaporkan kepada Bank

Compliance Functions is reported to Bank Indonesia.

Indonesia. Pengangkatan Direktur yang membawahkan

The appointment of Overseeing Director for Compliance

Fungsi Kepatuhan telah melalui Fit & Proper Test sesuai

Function has been conducted through Fit & Proper Test in

dengan Ketentuan Bank Indonesia dan Otoritas Jasa

accordance with the Regulations of Bank Indonesia and

Keuangan

Financial Services Authority.

Struktur SKK / SKK Structure

Compliance Director Group Head Compliance

UKPN Division

Compliance Division

COMPLIANCE Culture Development Sistem & Procedure

CdDD & Investigation

OPERATIONAL RELATED

MONITORING & REPORTING

LENDING RELATED

COMPLIANCE

Bidang IT

BIDANG KREDIT & OPERASIONAL

COMPLIANCE COMMUNICATION

BIDANG PASAR & SYARIAH

IT DEVELOPMENT & SYNCHRONIZATION REVIEW & DATA SUPPORTING


453





Profil SKK

SKK Unit Profile

SKK Bank Sinarmas terdiri dari beberapa divisi yakni

Bank Sinarmas’ SKK unit consists of divisions such as

Divisi Compliance, Divisi UKPN, Departemen Sisdur, dan

Compliance Division, UKPN Division, System & Procedure

Departemen Compliance Culture. SKK Bank Sinarmas saat

Division, and Compliance Culture. Currently, SKK unit is

ini dipimpin oleh Bapak Purwanto sebagai Group Head

chaired by Mr. Purwanti As Group Head Compliance, Mr.

Compliance, Bapak Harri Setiabudi sebagai Kepala Divisi

Harri Setiabudi as Head of Compliance Division and Mr. Inung

Compliance, dan Bapak Inung Nugroho sebagai Kepala Divisi

Nugroho as head of Customers Introduction Work Unit (UKPN)

Unit Kerja Pengenalan Nasabah (UKPN) yang dibentuk untuk

Division. The Unit was established to ensure the compliance

memastikan tingkat kepatuhan seluruh jenjang organisasi

rate of all organizational levels of Bank Sinarmas with the

Bank Sinarmas atas ketentuan dan peraturan perundang-

prevailing rules and regulations, meet its commitment to

undangan yang berlaku, pemenuhan komitmen kepada

the regulators, conduct credit activities, procure goods and

regulator, pelaksanaan aktivitas usaha kredit dan pengadaan

services fairly and implement APU and PPT principles to avoid

barang serta jasa yang wajar, memastikan kepatuhan kegiatan

money laundering.

operasional di setiap unit kerja, serta penerapan prinsip APU dan PPT sebagai upaya Bank Sinarmas menghindari tindak pidana pencucian uang. 1. Divisi Compliance

1. Compliance Division

Memiliki tugas dan tanggung jawab untuk:

Duties and responsibilities of Compliance Division:

a. Melakukan pemantauan terhadap ketentuan eksternal

a. Monitor the external conditions of the Regulator and the

dari Regulator dan peraturan perundang-undangan yang

legislation that applies to the application in work units

berlaku terkait penerapannya di unit-unit kerja Bank

of Bank Sinarmas along with studies and impact of the

Sinarmas beserta kajian dan dampak ketentuan tersebut

provision for the Company;

bagi Perusahaan; b. Menyusun laporan Direktur Kepatuhan sesuai dengan

b. Prepare reports of the Director of Compliance in

ketentuan PBI No.13/2/PBI/2011 tentang Pelaksanaan

accordance with the provisions of PBI regulation 13/2/

Fungsi Kepatuhan Bank Umum, antara lain:

PBI/2011 on the implementation of the Compliance

• Laporan Bulanan : Dilakukan setiap bulan (internal),

Function of Commercial Banks, inter alia:

merupakan rekapan dari kegiatan atau aktifitas Direktorat Kepatuhan selama kurun waktu 1 (satu) bulan. • Laporan Triwulan : Dilakukan setiap bulan April (untuk

a recap of activities of the Compliance Directorate in 1 (one) month. • Quarterly Report: Conducted every April (for the first

Triwulan I) dan bulan Oktober (untuk Triwulan II),

quarter) and in October (for the Quarter II), Quarterly

Laporan Triwulan ditujukan kepada Direktur Utama

Report is addressed to the President Director with

dengan tembusan Dewan Komisaris. Laporan Triwulan

a copy of the Board of Commissioners. Quarterly

merupakan laporan yang dibuat untuk menyampaikan

Report is a report made to convey the duties and

tugas dan tanggung jawab Direktur Kepatuhan dan

responsibilities of the Director of Compliance and

Satuan Kerja Kepatuhan selama kurun waktu Triwulan.

Compliance Unit during the period of the Quarter.

• Laporan Semester: Dilakukan setiap bulan Juli (Untuk

• Semester Report: Conducted every July (for the 1st

Semester I) dan bulan Januari (untuk Semester II),

Semester) and January (for the 2nd Semester), the

Laporan Semester ditujukan kepada Otoritas Jasa

Semester Report is addressed to the Financial Services

Keuangan dengan tembusan Direktur Utama dan

Authority with a copy to the President Director and

Dewan Komisaris. Laporan Semester merupakan

the Board of Commissioners. The Semester Report is a

laporan yang dibuat untuk menyampaikan tugas dan

report made to convey the duties and responsibilities

tanggung jawab Direktur Kepatuhan dan Satuan Kerja

of the Director of Compliance and the Compliance

Kepatuhan.

Working Unit.

• Laporan Good Corporate Governance : Merupakan

454

• Monthly report: Conducted every month (internal), is

• Good Corporate Governance Report: Is a report

laporan Tata Kelola Perusahaan, dengan menjabarkan

on Good Corporate Governance, by explaining

penerapan prinsip-prinsip keterbukaan (transparency),

implementation of the principles of transparency,






akuntabilitas (accountability), tanggung jawab

accountability, responsibility, independency, and

(responsibility), independensi (independency), dan

fairness with full awareness and responsibility, in

kewajaran (fairness) dengan penuh kesadaran dan

accordance with PBI No. 8/14/PBI/2006 along with

tanggung jawab, sesuai dengan PBI No. 8/14/PBI/2006

its amendment and SE BI No.9/12/DPNP regarding

serta perubahannya dan SE BI No.9/12/DPNP tentang

implementation of Good Corporate Governance for

Pelaksanaan Good Corporate Governance Bagi Bank

Commercial Banks.

Umum. c. Melakukan review terhadap ketentuan-ketentuan internal

c. Review the internal provisions that will apply, in order

yang akan diberlakukan, dengan tujuan agar ketentuan

for the provisions to be applied in accordance with Bank

yang akan diterapkan di Bank Sinarmas telah sesuai

Sinarmas external regulations (Regulator).

dengan ketentuan Eksternal (Regulator). d. Membuat Check list Kepatuhan, Check list kepatuhan

d. Make a compliance checklist. A compliance checklist is

dibuat sebagai monitoring kepatuhan terhadap jalannya

created as monitoring compliance with the activities of

kegiatan perbankan, yakni check list untuk Produk dan/

banks, which are the check list for the new products and/

atau Aktivitas baru dan check list untuk pembukaan/

or activity and a check list for branch opening/relocation.

relokasi Cabang. e. Menindaklanjuti hasil temuan internal (SKAI) dan Eksternal

e. Follow up the internal (SKAI) and external (BI, FSA, KAP)

(BI, OJK, KAP) kepada unit kerja, sebagai komitmen Bank

findings to work units, as the Bank’s commitment to the

kepada Regulator terhadap upaya-upaya perbaikan yang

Regulator on improvement efforts undertaken by the

telah dilakukan Bank.

Bank.

f. Kepatuhan Terintegrasi, sebagai Entitas Utama maka

f. Integrated Compliance, as a main entity, integrated

kepatuhan terintegrasi dilakukan dengan memantau

compliance is conducted by monitoring and evaluating

dan mengevaluasi pelaksanaan fungsi Kepatuhan pada

implementation of compliance function to each LJK in the

masing-masing LJK dalam konglomerasi keuangan.

financial conglomeration.

2. Divisi UKPN (Unit Kerja Pengenalan Nasabah)

2. UKPN (Customer Recognition Working Unit) Division


Has duties and responsibilities to:

a. Melakukan koordinasi dan pemantauan terhadap

a. Coordinate and monitor the implementation of the Know

pelaksanaan kebijakan Prinsip Mengenal Nasabah, yakni

Your Customer policy, which is by conducting a study that

dengan melakukan kajian bahwa pedoman umum KYC

the general guidelines on KYC and AML are in accordance

& AML telah sesuai dengan ketentuan eksternal yang

with applicable external regulations , monitoring the

berlaku, memonitor pelaksanaan tahapan-tahapan CDD

implementation of the stages of CDD (Customer Due

(Customer Due Diligence) di Cabang-Cabang melalui

Diligence) in Branches through Self Assessment report.

laporan Self Assessment. b. Pemantauan pengkinian profil nasabah beserta

b. Monitor the updating of customer profiles and their

transaksinya pada seluruh Cabang, dilakukan dengan

transactions in all branches, conducted by monitoring

memonitor pengkinian data nasabah melalui peran serta

customer data updating through the participation of the

Wakil Pemimpin Cabang (Kepala Operasional) selaku

Deputy Branch Manager (Chief Operating Officer) as a

penanggung jawab penerapan Prinsip Mengenal Nasabah. c. Melakukan Pengembangan IT AML untuk menunjang Program KYC dan pemantauan nasabah d. Memantau, menganalisa, dan melaporkan pelaporan

person in charge of the Know Your Customer principle. c. Develop the IT AML to support the KYC program and customer monitoring. d. Monitor, analyze, and reporting the Report of Cash

Transaksi Tunai jumlah tertentu (CTR), Laporan Transaksi

Transaction in certain amount (CTR), Suspicious

Mencurigakan (STR), dan LTKL kepada PPATK, dengan

Transaction Report (STR), and LTKL to PPATK, by ensuring

memastikan pelaksanaan pelaporan STR, CTR, dan LTKL

that the reporting of STR CTR, and LTKL for branches

bagi cabang dan unit kerja terkait telah sesuai dengan

and working units has been in accordance with Money

Pedoman Pencucian Uang (APU) dan Pencegahan

Laundering Guidelines (AML), and Prevention of Funding

Pendanaan Terorisme (PPT).

for Terrorism (PPT).


455



e. Menindaklanjuti atas laporan eksternal (Surat Pajak, BI,



e. Follow up on external reports (Tax Letter, BI, and KPK)

dan KPK) yang menyangkut kerahasiaan Bank, yakni

concerning the confidentiality of the Bank, which is by

dengan melakukan pengecekan nasabah mengenai

checking the customers on the database in question in

database yang bersangkutan sesuai dengan surat yang

accordance with the letter sent/received from external

dikirimkan/yang diterima dari pihak eksternal (Surat Pajak,

parties (Tax Letter, BI and KPK).

BI, dan KPK) f. Menindaklanjuti data rekening nasabah (CIF “Customer

f. Follow up customer account data (CIF “Customer Information File”) to Branches, by monitoring CIF data

Information File”) ke Cabang, dengan melakukan

regularly either through KYC Cleansing and IT data

monitoring data CIF secara berkala baik melalui KYC

withdrawal system.

Cleansing maupun penarikan data sistem IT. 3. Departemen System and Prosedure

3. System and Procedure Department


Has duties and responsibilities to:

a. Melakukan review terhadap ketentuan terkait kebijakan

a. Review relevant provisions of the operational and non-

operasional & non operasional Bank yang disajikan dalam

operational policy of the Bank are presented in the form

bentuk SOP/SK/SE sesuai dengan ketentuan internal,

of SOP/SK/SE in accordance with internal regulations, by

dengan mengumpulkan semua ketentuan yang ada terkait

collecting all existing provisions related to the topic that

dengan topik yang akan di review.

will be reviewed.

b. Mengelola data base portal internal dalam bentuk

b. Manage internal portal data base in the form of an index

daftar index, yakni dengan menginput ketentuan yang

list, by inputting provisions issued by all units in the

dikeluarkan oleh seluruh unit kerja ke dalam Daftar

Index Portal List and monitoring the accuracy of the data

Index Portal dan melakukan monitoring keakuratan data

contained in the internal regulations of the Portal.

ketentuan internal yang terdapat pada Portal. c. Melakukan evaluasi secara berkala terhadap kecukupan

c. Conduct periodic evaluation of the adequacy of internal

kebijakan internal yang disesuaikan dengan kompleksitas

policies that are tailored to the complexity of the Bank’s

bisnis Bank, dengan membuat daftar ketentuan (SK/SOP

business, by making a list of provisions (SK/SOP and SE/

dan SE/Memo) yang dimilki oleh masing-masing unit kerja

Memo) owned by their respective work units and send

dan mengirimkannya kepada pemimpin unit kerja.

them to work unit leaders.

4. Departemen Compliance Culture

4. Compliance Culture Department

Unit Kerja Compliance Culture didirikan sebagai salah satu

Compliance Culture Working Unit is established as one of

upaya peningkatan compliance awareness pada semua

the efforts to increase compliance awareness at all levels

tingkatan organisasi dan semua kegiatan usaha Bank. Adapun

of organization and all business activities of the Bank. The

program kerja Unit Kerja Compliance Culture diantaranya

working programs of the Compliance Culture Working

melanjutkan program sosialisasi yang telah diselengarakan

Unit, inter alia, is continuing the socialization program that

sebelumnya melalui tatap muka seperti “Sosialisasi 35 Menit

has been previously held face-to-face such as “35-Minute

bersama Compliance” dan “Sosialisasi APU PPT” juga melalui

Socialization with Compliance” and “APU PPT Soialization”

media elektronik yang diberi nama “Coffee TIME”.

also through electronic media named “Coffee TIME.”

Coffee TIME adalah singkatan dari Compliance Forum for Fun

Coffee TIME stands for Compliance Forum for Fun & Educate

& Educate Employee yang merupakan forum yang dirancang

Employee, which is a forum designed as an education forum

sebagai wadah edukasi bagi karyawan Bank Sinarmas dengan

for Bank Sinarmas employees in a more interesting and

cara yang lebih menarik dan menyenangkan sehingga dapat

fun way to improve Compliance Awareness in the work

meningkatkan Compliance Awarness dilingkungan kerja.

environment. The presentation also uses electronic media

Penyampaiannya pun menggunakan media elektronik agar

in order to include all employees in Indonesia and can be

mencakup seluruh karyawan yang tersebar di Indonesia serta

accessed quickly and easily.

dapat diakses dengan cepat dan mudah.

456






Fungsi SKK

SKK Functions

SKK dibentuk untuk melaksanakan fungsi kepatuhan yang

SKK unit was established to implement compliance functions

meliputi tindakan sebagai berikut:

as follows:

1. Melakukan identifikasi, pengukuran, monitoring, dan

1. Conduct identification, measuring, monitoring and

pengendalian terhadap Risiko Kepatuhan dengan

control on Compliance Risk by referring to the Authority’s

mengacu pada peraturan Otoritas yang berwenang

regulations in force on the Implementation of Risk

mengenai Penerapan Manajemen Risiko bagi Bank Umum;

Management for Commercial Bank;

2. Menilai dan mengevaluasi efektivitas, kecukupan, dan

2. Assess and evaluate the effectiveness, adequacy and

kesesuaian kebijakan, ketentuan, sistem maupun prosedur

conformity of policy, rules, system and procedure of the

yang dimiliki oleh Bank dengan peraturan perundang-

Bank withe the regulations in force;

undangan yang berlaku; 3. Melakukan review dan/atau merekomendasikan

3. Review and/or recommend renewal and improvement

pengkinian dan penyempurnaan kebijakan, ketentuan,

of policy, rules, system and procedures of the Bank in

sistem maupun prosedur yang dimiliki oleh Bank agar

accordance with the Authority’s rules and regulations in

sesuai dengan ketentuan Otoritas yang berwenang dan

force;

peraturan perundang-undangan yang berlaku; 4. Melakukan upaya-upaya untuk memastikan bahwa

4. Conduct efforts to ensure that the policy, rules, system

kebijakan, ketentuan, sistem dan prosedur, serta kegiatan

and procedure and the Company’s bank activities have

usaha Bank telah sesuai dengan ketentuan Otoritas yang

been in accordance with the Authority’s rules and

berwenang dan peraturan perundang-undangan yang

regulations in force; and

berlaku; dan 5. Melakukan tugas-tugas lainnya yang terkait dengan Fungsi

5. Perform other duties related with Compliance Function.

Kepatuhan. Tujuan jangka panjang dari penerapan fungsi kepatuhan ini

The long-term purpose of the compliance function

adalah menumbuhkan budaya kepatuhan di dalam internal

implementation is to encourage compliance culture within the

stakeholders meliputi pemegang saham, pengurus, pejabat

stakeholders’ internal condition, including the shareholders,

dan karyawan Bank Sinarmas.

management, executives and employees of Bank Sinarmas.

Tugas dan Tanggung Jawab Direktur Kepatuhan

Duties and Responsibilities of SKK Unit

Tugas dan tanggung jawab SKK, meliputi:

The duties and responsibilities of SKK unit are:

1. Merumuskan strategi guna mendorong terciptanya budaya

1. Drafting strategy in order to create compliance culture;

kepatuhan (compliance culture); 2. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip kepatuhan yang akan ditetapkan oleh Direksi; 3. Menetapkan sistem dan prosedur kepatuhan yang akan digunakan untuk menyusun ketentuan dan pedoman

2. Suggesting compliance policy or principles that will be determined by the Board of Directors; 3. Determining system and procedure of compliance that will be used to draft internal regulations and guidelines;

internal; 4. Memastikan bahwa seluruh kebijakan, ketentuan, sistem

4. Ensuring that all policies, regulations, systems, and

dan prosedur, serta kegiatan usaha telah sesuai dengan

procedures, as well as business activities have been

ketentuan Otoritas Jasa Keuangan/Bank Indonesia dan

well conducted in accordance with the regulations of

peraturan perundang-undangan yang berlaku;

the Financial Services Authority or Bank Indonesia and prevailing regulations;

5. Meminimalkan risiko kepatuhan (compliance risk);

5. Minimizing compliance risk;

6. Melakukan tindakan pencegahan agar kebijakan dan/

6. Taking precautions to ensure that policies and/or decisions

atau keputusan yang diambil Direksi tidak menyimpang

taken Directors do not deviate from the provisions of

dari ketentuan Otoritas Jasa Keuangan/Bank Indonesia

the Financial Services Authority/Bank Indonesia and the

dan peraturan perundang-undangan yang berlaku, antara

legislation in force, among others, provide a different

lain memberikan pendapat yang berbeda/dissenting

opinion/dissenting opinions if there are policies and/or


457





opinion apabila terdapat kebijakan dan/atau keputusan

decisions that deviate from the provisions of Financial

yang menyimpang dari ketentuan Otoritas Jasa Keuangan/

Services Authority/Bank Indonesia and the legislation in

Bank Indonesia dan peraturan perundang-undangan yang

force and the responsibility to take preventive action is

berlaku serta tanggung jawab dalam melakukan tindakan

limited to the authority of the Director of Compliance;

pencegahan tersebut terbatas pada kewenangan Direktur Kepatuhan; 7. Melakukan tugas-tugas lainnya yang terkait dengan fungsi

7. Conducting other duties related to compliance function,

kepatuhan, antara lain adalah memantau dan menjaga

such as monitoring and maintaining commitment to the

kepatuhan terhadap komitmen kepada Otoritas Jasa

Financial Services Authority/Bank Indonesia and other

Keuangan/Bank Indonesia maupun otoritas pengawas

supervisory authorities.

lainnya yang berwenang. Indikator Kepatuhan 2015

Compliance Indicator in 2015

1. Bank Sinarmas terpilih sebagai Entitas Utama Grup

1. Bank Sinarmas was selected as Main Entity of Sinarmas

Sinarmas melalui Surat Otoritas Jasa Keuangan No.S-95/

Group through Financial Services Authority (OJK)

PB.33/2015 tanggal 1 Oktober 2015 tentang Penetapan

Letter No. S-95/PB.33/2015 on October 1, 2015 on the

PT. Bank Sinarmas Tbk. sebagai Entitas Utama Grup

Stipulation of PT. Bank Sinarmas Tbk. as Main Entity of

Sinarmas, hal ini merupakan kepercayaan sekaligus

Sinarmas Group. This initiation was a form of trust and

tanggung jawab yang harus ditunjukkan dengan

responsibility that must be displayed through exemplary

penerapan Tata Kelola dan Manajemen Risiko yang baik.

implementation of Good Corporate Governance and Risk

2. Hasil Self Assessment pelaksanaan Good Corporate Governance (GCG) pada Bank Sinarmas posisi semester

Management. 2. Results of Self Assessment from Good Corporate

I dan semester II Tahun 2015 berada pada peringkat 2

Governance (GCG) for Bank Sinarmas at semester I

“baik” hal ini mencerminkan Manajemen Bank telah

and semester II of 2015 were on rank 2 “good”. This

melakukan penerapan Good Corporate Governance yang

achievement reflects how the Management has properly

secara umum baik.

implemented Good Corproate Governance in general.

Aktivitas Kepatuhan 2015

Compliance Activity in 2015

Sebagai bentuk komitmen terhadap ketentuan PBI No. 13/2/

As a commitment to the regulations of PBI No. 13/2/PBI/2011

PBI/2011 tanggal 12 Januari 2011, Bank Sinarmas menyusun

on January 12, 2011, Bank Sinarmas composed the 2015

Compliance Framework sepanjang 2015 sebagai berikut:

Compliance Framework as follows:

I. Pelaksanaan Fungsi Kepatuhan

I. The Implementation of Compliance Function

1. Mendorong terwujudnya Budaya Kepatuhan pada

1. Encouraging the realization of Compliance Culture on

semua tingkatan organisasi dan kegiatan usaha Bank.

all Bank’s organization levels and business activities.

Dalam rangka mendorong terwujudnya budaya

In order to promote the establishment of compliance

kepatuhan pada seluruh organisasi melakukan

culture in all organizational units, the Company

kegiatan sosialisasi kepada seluruh jenjang organisasi

conducts dissemination to all organizational levels

yang materinya berisikan ajakan, arahan untuk

with materials containing invitation, guidance to

meningkatkan kesadaran, pemahaman dan kepedulian

increase awareness, understanding and care on the

terhadap penerapan budaya kepatuhan dalam semua

implementation of compliance culture in all aspects:

aspek: a. Sosialisasi secara tatap muka melalui program:

a. Face-to-face dissemination through program such as:

1. Sosialisasi “35 Menit Bersama Compliance”

458

1. “35 Menit Bersama Compliance”

yang materinya berisikan peran dan tugas

dissemination, which contains compliance

compliance, ajakan dan arahan untuk

rules and duties, invitation and guidance

berbudaya patuh, penerapan Good Corporate

toward compliance culture, Good Corporate

Governance, Tingkat Kesehatan Bank dan

Governance implementation, Bank’s Health and

pembahasan Komitmen Kepada regulator.

discussion on Commitment to Regulators.





2. Sosialisasi Ketentuan Baru, yaitu


2. Dissemination of New Regulation, namely

penyelenggaraan sosialisasi atas ketentuan-

the spreading of new regulations issued by

ketentuan baru yang diterbitkan oleh otoritas

authorities 3. Disssemination on Anti-Money Laundering and

3. Sosialisasi Anti Pencucian Uang dan

Prevention of Terrorism Funding (APU & PPT),

Pencegahan Pendanaan Terorisme (APU & PPT),

this dissemination contains regulations on APU

sosialisasi ini berisikan ketentuan mengenai

& PPT. Its implementation is conducted annually

APU & PPT. Penyelenggaraannya dilakukan

over time in all organizational lines.

secara berulang-ulang setiap tahun ke seluruh jenjang lini organisasi. b. Sosialisasi melalui program “Coffee Time” sejenis

b. Dissemination through “Coffee Time” program,

buletin elektronik yang disampaikan kepada

an electronic bulletin circulated in all organizational

seluruh jenjang organisasi melalui e-mail blast

levels through e-mail blast every Friday. Coffee

setiap hari Jumat. Materi Coffee Time berisikan

Time contains topics on SKK activities, Quiz

kegiatan-kegiatan SKK, Quiz Perbankan yaitu

Perbankan - a quiz with questions related with

suatu kuis yang berisikan pertanyan-pertanyan

activities or transactions in both internal and

yang berhubungan dengan kegiatan-kegiatan atau

external regulations, Teka Teki Silang, Acak Kata

transaksi-transaksi yang terkait dengan ketentuan

and Tau Perbankan; all of which are presented in

internal maupun eksternal, Teka Teki Silang, Acak

turns.

Kata dan Tau Perbankan yang disajikan secara bergantian c. Sosialisasi melalui media buku komik yang berisikan

c. Dissemination through short films, namely films

mengenai kejadian kehidupan sehari-hari yang

about activities that must be conducted or that are

terkait dengan transaksi perbankan, disajikan

prohibited in transaction. The films are screened in

dalam bentuk komik yang mudah dipahami dan

all offices as discussion topics.

dicerna oleh pembacanya. Peluncuran Buku Seri Komik Perbankan “8 Catatan Bankir @ Work”


Book Launching of Comic Banking“8 Catatan Bankir @ Work”

459



2. Mengelola Risiko Kepatuhan SKK melakukan pemantauan terhadap tingkat



2. Managing Compliance Risk

SKK unit monitors compliance rate on prevailing

kepatuhan atas ketentuan yang berlaku terkait prinsip

regulations, in relation with prudential banking principles

prudential banking (antara lain CAR, ROA, ROE, PDN,

(such as CAR, ROA, ROE, PDN, BMPK, NPL, LDR).

BMPK, NPL, LDR). 3. Memastikan seluruh kebijakan, ketentuan, sistem dan

3. Ensuring that all policies, regulations, system and

prosedur serta kegiatan usaha yang dilakukan Bank

procedures and business activities conducted by the

telah sesuai dengan ketentuan regulator dan peraturan

Company has been in line with regulator’s rules and

perundangan yang berlaku, yaitu dengan melakukan:

regulations in force through:

a. Review kepatuhan, melakukan review terhadap

a. Review on compliance, namely conducting review

rancangan kebijakan dan prosedur baru yang

on drafts of new policy and procedures submitted by

diajukan oleh unit kerja pembuat kebijakan, dan

policy-making work unit and provide opinion on credit

juga memberikan opini atas pemberian kredit

granting that exceeds a certain amount;

diatas jumlah tertentu; b. Melakukan analisis dampak peraturan eksternal

b. Analyze the impact of external regulations issued by

yang baru diterbitkan oleh Regulator;

the Regulator;

c. Melakukan review terhadap rencana penerbitan

c. Review the plan on the release of new products or

produk atau aktivitas baru;

activities

d. Melakukan review terhadap kecukupan kebijakan

d. Review the adequacy of internal policy in line with the

internal seiring dengan peningkatan usaha bank. 4. Memantau dan menjaga Kepatuhan Bank terhadap

Company’s business improvement. 4. Monitoring and preserving the Company’s Compliance

komitmen pada regulator. Pemantauan terhadap

to the regulator. The monitoring on commitment to the

komitmen pada regulator dan otoritas pengawas

regulator and other supervising authorities is conducted by

lainnya dilakukan dengan memonitor dan

monitoring and submitting commitment to the regulator

menyampaikan komitmen ke regulator sesuai dengan

in accordance with the scheduled target completion date.

target date pemenuhannya. II. Pengendalian Intern Pelaksanaan pengelolaan pengendalian internal yang

II. Internal Control

The implementation of internal control management

dilakukan SKK yaitu melalui review compliance dan

conducted by SKK is realized through compliance review

compliance check list terhadap aktivitas operasional di

and compliance check list of operational activities in

tingkat Divisi/Kantor Wilayah/Kantor Cabang. Tujuan dari

Division/Regional Office/Branch Office levels. The purpose

pelaksanaan compliance check list adalah untuk menilai

of compliance check-list is to assess the compliance of

kepatuhan aktivitas bisnis dan operasional terhadap

business and operational activities with internal and

ketentuan internal dan eksternal.

external regulations.

Dalam pelaksanaannya, pengelolaan pengendalian internal

meliputi aktivitas : 1. Review Rutin review rutin merupakan review yang bersifat

In its implementation, internal control management consists of the following activities:

1. Routine Review

Routine review is a preventive (ex-ante) review conducted

pencegahan/ preventif (ex-ante) yang dilakukan

by SKK unit on the Company’s critical business/operational

oleh SKK atas aktivitas bisnis/operasional Bank yang

unit activities in a periodical manner. The review is aimed

kritikal secara periodik, untuk menilai kepatuhan

to assess operational unit’s compliance in conducting its

unit operasional dalam pelaksanaan fungsi-fungsi

main functions with the prevailing regulations in order to

utamanya sesuai dengan ketentuan yang berlaku

conduct early risk mitigation.

sehingga dapat dilakukan mitigasi risiko secara dini.

460




2. Review Insidentil merupakan review yang dilakukan sehubungan



2. Incidental Review

Incidental Review is a review which was carried out in

dengan adanya informasi ketidakpatuhan, kasus dan/

connection with the existing information of disobedience,

atau isu-isu strategis lainnya. Review Insidentil terdiri

cases and/or other strategic issues. Incidental Review

dari:

consists of:

a. Review mendadak

a. Sudden Review

merupakan review yang dilakukan dengan fokus

A review which was carried out with focus on

terhadap aktivitas/transaksi tertentu berdasarkan

certain activity/transaction based on professional

professional judgement Divisi Compliance karena

judgment from Compliance Unit due to indication of

adanya indikasi permasalahan yang dijumpai pada

encountered problems by the time of ex-ante review

saar review ex-ante. b. Review khusus

b. Special Review

merupakan review yang dilakukan sehubungan

A review which was carried out in connection with

dengan adanya pelanggaran terhadap ketentuan,

the existence of violation on provisions, policies and

kebijakan, dan prosedur yang berpotensi

procedures which potentially may cause loss for the

menimbulkan kerugian Bank baik secara langsung

Bank either directly or indirectly with the purpose to

maupun tidak langsung dengan tujuan untuk

find out the chronology of such violation, the causes,

mengetahui kronologis terjadinya pelanggaran,

impact on Bank and personnel loss that is suspected to

sebab-sebab terjadinya, dampak kerugian Bank.

be related to the violation on provision.

c. Review issue

c. Issue Review

Review yang dilaksanakan karena adanya

A review which was carried out due to the existence of

permasalahan/issue strategis yang terjadi di

problems/strategic issues that occurred within several

beberapa unit kerja dan mempunyai dampak yang

working units and may have a significant impact for

cukup signifikan bagi Bank secara keseluruhan

the Company as a whole.

III. Implementasi Program Anti Pencucian Uang &

III. Implementation of Anti-Money Laundering (AML)

Pencegahan Pendanaan Terorisme melalui Penerapan

& Prevention of Terrorism Financing through Know

Know Your Customer (KYC)

Your Customer (KYC)

Dalam menjalankan kegiatan usaha, Perseroan

In implementing business activities, the Company

menghadapi berbagai risiko usaha dan untuk mengurangi

faces various business risks, and to overcome it, the

risiko usaha tersebut Perseroan menerapkan prinsip kehati-

Company implements prudential principles. One of the

hatian. Salah satu prinsipnya adalah melalui penerapan

principles is through the implementation of Anti Money

program Anti Pencucian Uang (APU) dan Pencegahan

Laundering (APU) and Prevention of Terrorism Financing

Pendanaan Terorisme (PPT) yang merupakan bagian dari

(PPT) that are parts of the overall bank risk management

penerapan manajemen risiko bank secara keseluruhan.

implementation.

Hal ini diterapkan karena pada awal Juli 2009 lalu, Bank

This is implemented as at the start of last July 2009, Bank

Indonesia telah menerbitkan Peraturan Bank Indonesia

Indonesia has issued Bank Indonesia Regulation No.11/28/

No.11/28/PBI/2009 tentang Penerapan Program APU dan

PBI/2009 concerning the Implementation of APU and

PPT bagi Bank Umum. Ketentuan tersebut merupakan

PPT Program for Commercial Banks. The regulation is

penyempurnaan dari PBI No.3/10/PBI/2001, tentang

the improvement of PBI No.3/10/PBI/2001 concerning

Penerapan Prinsip Mengenal Nasabah (Know Your

the Implementationof Know Your Customer Principles,

Principles), dimana sesuai dengan ketentuan baru yakni

in which according to the new regulation, namely PBI

PBI No. 14/27/PBI/2012 tentang Penerapan Program APU

No.14/27/PBI/2012 concerning the Implementation of APU

dan PPT bagi Bank Umum istilah KYC diubah menjadi

Program and PPT for Commercial Bank, KYC term changed

CDD (Customer Due Diligence). Penyempurnaan itu

to CDD (Customer Due Diligence). The improvement

dilakukan dalam rangka penyesuaian terhadap standar

was conducted to adjust it to a more comprehensive

internasional yang lebih komprehensif dalam upaya

international standard to support the prevention of money

mendukung pencegahan tindak pidana pencucian uang

laundering and prevention of terrorism financing.

dan pencegahan pendanaan terorisme.


461





Dalam pelaksanaannya, ada beberapa hal yang dilakukan

In its practice, there are several things that the Company

oleh Perseroan, yang merupakan pilar dalam pelaksanaan

performs which relate to the implementation of APU/PPT,

APU/PPT tersebut, antara lain:

among others:

• Pengawasan aktif Direksi dan Dewan Komisaris

• Active supervision of the Board of Directors and Board of Commissioners

• Kebijakan dan prosedur

• Policy and procedure

• Pengendalian internal

• Internal control

• Sistem Informasi Manajemen

• Management Information System

• Sumber Daya Manusia dan pelatihan

• Human Resources and training

Efektivitas penerapan prinsip APU dan PPT Perseroan

The effectiveness of the Company’s APU and PPT is monitored

dipantau oleh Unit Kerja Pengenalan Nasabah (UKPN)

by Work Unit of Customer Identification (UKPN) in a

di dalam Satuan Kerja Kepatuhan. Dalam menjalankan

Compliance Working unit. In performing its duties, UKPN

tugasnya UKPN melapor dan bertanggung langsung

reports and directly reports to the Compliance Director

Kepada Direktur Kepatuhan sesuai dengan Peraturan Bank

according to Bank Indonesia’s Regulation.

Indonesia. Kesimpulan Umum Hasil Self Assessment Pelaksanaan

General Summary of Self-Assessment Results of GCG

GCG

Implementation Peringkat / Rank

Individual

462

2

Definisi Peringkat / Rank Definition Mencerminkan Manajemen Bank telah melakukan penerapan Good Corporate Governance yang secara umum baik. Hal ini tercermin dari pemenuhan yang memadai atas prinsip-prinsip Good Corporate Governance. Apabila terdapat kelemahan dalam penerapan prinsip Good Corporate Governance, maka secara umum kelemahan tersebut kurang signifikan dan dapat diselesaikan dengan tindakan normal oleh manajemen Bank / Reflects that the Company’s Management has performed satisfying implementation of Good Corporate Governance. Should there be susceptibilities during the implementation, such issues are considered less significant and have been managed by conducting normal responses by the Company’s management.






SEKRETARIS PERUSAHAAN

CORPORATE SECRETARY

Sekretaris Perusahaan diangkat dan bertanggung jawab

Corporate Secretary is appointed by and responsible to the

pada Direktur Utama. Sekretaris Perusahaan memiliki 4

President Director. Corporate Secretary has 4 (four) main

(empat) fungsi utama dalam rangka membantu tugas Direksi,

functions in assisting the duties of the Board of Directors,

yaitu sebagai Liason Officer (Corporate Communication),

namely as a Liaison Officer (Corporate Communication),

Compliance Officer, Investor Relation, serta Administrasi

Compliance Officer, Investor Relation, as well as Document

Dokumen dan Notulensi Rapat untuk memenuhi ketentuan

Administration and Minutes of Meeting to meet the provision

tata kelola perusahaan yang baik.

of good corporate governance.

Profil Sekretaris Perusahaan

Corporate Secretary Profile

Dodo Suyanto SEKRETARIS PERUSAHAAN Corporate Secretary

Warga Negara Indonesia, 46 tahun. Bergabung dengan

Indonesian citizen, 46 years old. He joined Bank Sinarmas

Bank Sinarmas sejak 14 Januari 2013. Menjabat sebagai

since January 14, 2013 and served as Corporate Secretary

Sekretaris Perusahaan Bank Sinarmas sejak 1 Desember 2014

since December 1, 2014 pursuant to Decree of Board of

berdasarkan Surat Keputusan Direksi No. 025/2014/PRESDIR

Directors No. 025/2014/PRESDIR dated December 1, 2014. He

tanggal 1 Desember 2014. Saat ini, beliau juga merangkap

also concurrently served as Bank Sinarmas Legal Division Head.

sebagai Legal Division Head Bank Sinarmas. Meraih gelar Sarjana Hukum di Universitas Airlangga pada

He obtained Bachelor of Law degree in 1994 and Specialist of

1994 dan menyelesaikan pendidikan Spesialis Kenotariatan

Notary in 2000 from Airlangga University in 2000. He started

di Universitas Airlangga pada 2000. Mengawali karir sebagai

his career as Legal Officer at PT Bank Permata Tbk from

Legal Officer di PT Bank Permata Tbk tahun 1996 hingga

1996 until 2003, Bank DBS Indonesia from 2005 until 2007,

2003, PT Bank DBS Indonesia pada 2005 hingga 2007,

Compliance Manager at PT Bank Rabobank International

menjabat sebagai Compliance Manager di PT Bank Rabobank

Indonesia from 2009 until 2011, and Compliance Manager at

International Indonesia pada 2009 hingga 2011, dan menjabat

PT AXA Mandiri Financial Services from 2012 until 2013.

sebagai Compliance Manager pada 2012 hingga 2013 di PT AXA Mandiri Financial Services. Selain pendidikan formal, beliau juga mengikuti sejumlah

In addition to formal education, he participated in trainings

pelatihan diantaranya The 7 Habits of Highly Effective People

such as The 7 Habits of Highly Effective People Book Sharing

Book Sharing pada 1999, Power Leadership Program pada

in 1999, Power Leadership Program in 2007 and acquired

2007, serta mendapatkan sertifikat BSMR Level 2 pada 2010.

BSMR Level 2 certificate in 2010.

Dasar Hukum Penunjukan Sekretaris Perusahaan

Legal Basis of Appointment

Berdasarkan ketentuan Bapepam Nomor KEP-63/PM/1996

Pursuant to Bapepam requirements No. KEP-63/PM/1996 and

dan keputusan Direksi BEJ Nomor 339 Tahun 2001 mengenai

JSE Directors Decision No. 339 of 2001 on the appointment of


463





pembentukan Sekretaris Perusahaan, maka berdasarkan

Corporate Secretary, based on Board of Directors Decision No.

Keputusan Direksi No. 025/2014/PRESDIR tanggal 1 Desember

025/2014/PRESDIR dated December 1, 2014, the Company

2014, Perseroan menunjuk Dodo Suyanto sebagai Sekretaris

appointed Dodo Suyanto as Corporate Secretary. The report

Perusahaan, yang kemudian telah dilaporkan ke Otoritas Jasa

had been submitted to Financial Services Authorities No.

Keuangan No. SKL.290/2014/PRESDIR-CorSec&CorComm

SKL.290/2014/PRESDIR-CorSec&CorComm dated December

tanggal 1 Desember 2014.

1, 2014.

Fungsi utama dari Sekretaris Perusahaan adalah untuk

The main function of corporate secretary is to build the

membangun citra Perseroan dan sebagai penghubung

image of the Company and as a liaison to establish good

dengan membangun komunikasi dan hubungan yang baik

communication and relationships with Stakeholders.

dengan para stakeholder. Sekretaris perusahaan memiliki

Corporate secretary has access to the material and relevant

akses terhadap informasi material dan relevan yang berkaitan

information relating to the Company and the relevant

dengan Perseroan dan perundang-undangan terkait.

regulations.



Berdasarkan Piagam Sekretaris Perusahaan PT. Bank Sinarmas

Pursuant to Corporate Secretary Charter of PT. Bank Sinarmas

Tbk., tugas dan tanggung jawab Sekretaris Perusahaan

Tbk., Corporate Secretary has the following duties and

sebagai berikut:

responsibilities:

1. Mengikuti perkembangan Pasar modal, Perbankan, dan

1. Monitoring the development in Capital Markets, Banking

Perusahaan Terbuka serta peraturan-peraturan yang berlaku pada masing-masing bidang tersebut. 2. Memberikan pelayanan kepada masyarakat atas setiap informasi yang dibutuhkan pemodal yang berkaitan

and Listed Company as well as regulations existing to the respective areas. 2. Providing the public with any information needed by investors associated with the Bank.

dengan kondisi Bank. 3. Memberikan masukan kepada Direksi untuk mematuhi peraturan-peraturan yang berlaku dibidang Pasar Modal, Perbankan, dan Perusahaan Terbuka. 4. Sebagai penghubung antara Bank dengan Bank Indonesia,

3. Providing input to the Board of Directors to comply with the prevailing regulations in the field of Capital Markets, Banking and Listed Company. 4. As a liaison between the Bank and Bank of Indonesia,

Profesi Penunjang Pasar Modal & Otoritas Pasar Modal,

Supporting Profession, Capital Market & Capital Market

masyarakat dan pihak-pihak terkait lainnya.

Authority, the public and other related parties;

5. Menyiapkan daftar khusus yang berkaitan dengan Direksi,

5. Preparing a list of particular relevance to the Board

Dewan Komisaris, Pemegang Saham, dan anggota

of Directors, Board of Commissioners, shareholders,

keluarganya dalam Bank mencakup kepemilikan saham,

and members of his family in the Bank include stock

hubungan bisnis, dan peranan lainnya yang dapat

ownership, business relationships, and other roles that can

menimbulkan benturan kepentingan. 6. Membuat daftar pemegang saham termasuk kepentingan 5% (lima persen saham) atau lebih. 7. Menghadiri rapat direksi dan rapat Direksi dan Dewan Komisaris serta membuat berita acara rapatnya.

give rise to a conflict of interest. 6. Making a list of shareholders, including the interests of 5% (five percent of the shares) or more. 7. Attending board meetings and meetings of the Board of Directors and the Board of Commissioners and prepare minutes of the meeting.

8. Bertanggung jawab dalam penyelenggaraan Rapat Umum Pemegang Saham (RUPS) dan Rapat Umum Pemegang Saham Luar Biasa (RUPSLB). 9. Membuat Laporan Tahunan pada setiap akhir tahun dan

8. Responsible for the implementation of the General Meeting of Shareholders (AGM) and Extraordinary General Meeting of the Extraordinary Shareholders (EGM). 9. Making the Annual Report at the end of each year and

disampaikan kepada pihak-pihak terkait lainnya paling

submitted to other related parties no later than the end of

lambat akhir Mei tahun berikutnya.

May next year.

10. Membuat laporan-laporan lainnya yang ditujukan ke

10. Making other reports addressed to Bank Indonesia, the

Bank Indonesia, Bursa Efek, Bapepam, Perbanas, UP3 dan

Stock Exchange, Bapepam, Banks Association, UP3 and

lainnya, seperti Laporan Perubahan Pengurus, Laporan

others, such as the Statement of Changes in Board, Report

Pemindahan Kantor, Laporan Realisasi Pembukaan Kantor.

of Transfer of Office, Office Opening Realization Report.

464




11. Membantu Direksi menyusun korespondensi (surat,



11. Assisting the Board of Directors prepare correspondence

memorandum, dan lainnya), baik untuk pihak internal

(letters, memoranda, and other), both for internal (BOC,

(Dewan Komisaris, Kantor Cabang, Unit-unit Kerja di

Branch Office, Units Work in the Central Office).

Kantor Pusat). 12. Menyusun Surat Keputusan, Surat Edaran, dan Surat-surat yang diterbitkan oleh Perusahaan.

12. Developing Decree, Circular, and letters issued by the Company.

Berdasarkan Peraturan Otoritas Jasa Keuangan Nomor 35/

Pursuant to the Financial Services Authority Regulation

POJ.04/2014 tentang Sekretaris Perusahaan Emiten atau

No. 35/POJ.04/2014 on Corporate Secretary for Issuers or

Perusahaan Publik, fungsi Sekretaris Perusahaan sebagai

Public Companies, the following are functions of Corporate

berikut:

Secretary:

1. mengikuti perkembangan Pasar Modal khususnya

1. monitoring the development of capital markets, especially

peraturan perundang-undangan yang berlaku di bidang

the legislation in force in the capital market;

Pasar Modal; 2. memberikan masukan kepada Direksi dan Dewan

2. providing input to the Board of Directors and Board of

Komisaris Emiten atau Perusahaan Publik untuk mematuhi

Commissioners of Public Listed Company to comply with

ketentuan peraturan perundang-undangan di bidang Pasar

laws and regulations in the capital market;

Modal; 3. membantu Direksi dan Dewan Komisaris dalam

3. assisting the Board of Directors and the Board in the

pelaksanaan tata kelola perusahaan yang meliputi:

implementation of corporate governance include:

a. keterbukaan informasi kepada masyarakat, termasuk

a. disclosure to the public, including the availability of

ketersediaan informasi pada Situs Web Emiten atau

information on the website Public Company;

Perusahaan Publik; b. penyampaian laporan kepada Otoritas Jasa Keuangan tepat waktu; c. penyelenggaraan dan dokumentasi Rapat Umum Pemegang Saham; d. penyelenggaraan dan dokumentasi rapat Direksi dan/ atau Dewan Komisaris; dan

b. submission of reports to the Financial Services Authority on time; c. implementation and documentation of the General Meeting of Shareholders; d. implementation and documentation of the Board of Directors meeting and / or the Board of Commissioners; and

e. pelaksanaan program orientasi terhadap perusahaan bagi Direksi dan/atau Dewan Komisaris.

e. orientation program execution against the company for the Board of Directors and / or Board of Commissioners.

4. sebagai penghubung antara Emiten atau Perusahaan

4. as a liaison between the Public Company by the

Publik dengan pemegang saham Emiten atau Perusahaan

shareholder or public company, the Financial Services

Publik, Otoritas Jasa Keuangan, dan pemangku

Authority, and other Stakeholders.

kepentingan lainnya. Sekretaris Perusahaan memiliki misi untuk memenuhi dan

Corporate Secretary’s missions are: Complying with all

mematuhi segala peraturan-peraturan yang ditetapkan bagi

regulations determined for Public Companies to the Financial

Perusahaan Terbuka kepada Otoritas Jasa Keuangan, Bursa

Services Authority, Indonesia Stock Exchange, KSEI, Bank

Efek Indonesia, KSEI, Bank Indonesia, serta lembaga regulatif

Indonesia, and other Regulators, and become an information

yang lain dan menjadi gerbang media terkait informasi yang

gate to publish corporate action, company performance or

akan dipublikasikan terkait aksi korporasi, kinerja perusahaan,

reduce negative news on the Company.

ataupun meredam berita negatif mengenai Perseroan.


465





Korespondensi

Correspondence

Selama 2015, korespondensi baik rutin maupun non-rutin

In 2015, the Company conducted the following routine and

yang disampaikan Perseroan kepada Regulator adalah sebagai

non-routine correspondences:

berikut: Tabel informasi kuantitas korespondensi Sekretaris Perusahaan

Table of information on correspondence quantity in 2015

2015 Keterangan / Description

Jumlah / Total

Laporan Bulanan Registrasi Pemegang Efek / Monthly Report on Securities Holder Registration

Rutin / Routine

12

Laporan Data Hutang Valuta Asing / Report on Foreign Currency Debt

Rutin / Routine

12

Laporan Hasil Penggunaan Dana Hasil Penawaran Umum / Report on Use of Public Offering Proceeds

Rutin / Routine

4

Laporan Keuangan Tahunan / Annual Financial Statements

Rutin / Routine

1

Laporan Tahunan 2014 / Annual Repot 2014

Rutin / Routine

1

Laporan Keuangan Interim dan Long Form / Interim and Long Farm Financial Statements

Rutin / Routine

4

Publikasi Laporan Keuangan / Financial Statements Punlication

Rutin / Routine

4

Laporan Transaksi Afiliasi / Report on Affiliation Transaction

Non Rutin / NonRoutine

-

Perubahan Corporate Secretary / Change of Corporate Secretary


-

Laporan Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu / Report on Additional Capital Without Preemptive Rights


-

Keterbukaan Informasi Terkait Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu / Information Disclosure on Additional Capital Without Preemptive Rights


-

Perihal / About

Komunikasi Eksternal

External Communication

Pemenuhan informasi bagi stakeholder, selalu menjadi

Fulfillment of information for Stakeholders is the company’s

prioritas perseroan. Oleh sebab itu, Perseroan mempermudah

priority. Therefore, the Company allows for Stakeholders

para stakeholder untuk mengakses informasi yang mereka

to access the information they need through www.

butuhkan melalui website www.banksinarmas.com, seperti

banksinarmas. com website, such as annual reports, published

laporan tahunan, laporan publikasi, laporan GCG, produk dan

reports, corporate governance reports, and other products.

lain sebagainya. Selama 2015, Perusahaan mengeluarkan beberapa siaran pers

During 2015, the Company issued several press release with

dengan rincian sebagai berikut:

details as follows:

Tabel komunikasi eksternal Sekretaris Perusahaan

Table of information on external communication of Corporate Secretary

Judul / Title Rapat Umum Pemegang Saham Biasa (RUPSLB) PT. Bank Sinarmas Tbk. / Extraordinary General Meeting of Shareholders (EGMS) of PT. Bank Sinarmas Tbk. Kinerja PT. Bank Sinarmas Tbk. Selama Tahun 2014 / Performance of PT. Bank Sinarmas Tbk. in 2014

466

Tanggal / Date Maret 2015 / March 2015 Juni 2015 / June 2015






Judul / Title

Tanggal / Date

“Secangkir Kebahagiaan” Bank Sinarmas Berbagi Semangat Ramadhan dan Idul Fitri / Bank Sinarmas Shared the Spirit of Ramadhan and Eid Al Fitr

Juli 2015 / July 2015

Sinarmas MSIG Life Hadirkan Solusi Inovatif SIMPOL Medical, Dukung Perencanaan Masa Depan Keuangan Keluarga Bersama Bank Sinarmas Luncurkan Produk Bancassurance dengan Nilai Pertanggungan hingga 1,9 M dan Portofolio Investasi Beragam / Sinarmas MSIG Life Presented Innovative Solution SIMPOL Medical, and Supported Financial Planning for the Family with Bank Sinarmas by Launching Bancassurance Product with Coverage Value up to 1.9 M and a Wide Variety of Investment Portfolio

September 2015 / September 2015

Bank Sinarmas Siap Fasilitasi TKI / Bank Sinarmas To Facilitate TKI

November 2015 / November 2015

Dukung Program JARING, Bank Sinarmas Fokus Biayai Usaha Perikanan dan Kelautan / Bank Sinarmas Focuses on Marine and Fishing Industry By Supporting JARING Program


Bank Sinarmas Catat Pertumbuhan Kredit dan Fee Based / Bank Sinarmas Recorded Growth in Credit and Fee-Based | November 2015


Komunikasi Internal

Internal Communication

Dalam melakukan Komunikasi Internal kepada seluruh

In conducting Internal Communication to all employees, the

karyawan, Perseroan menggunakan berbagai media antara

Company uses a variety of media including:

lain: 1. Lensa Berita

1. Lensa Berita

Media Perseroan untuk menyebarkan berita-berita terbaru

The Company’s media to spread the latest news and

dan kegiatan yang telah dilakukan oleh Perseroan melalui

activities that have been carried out by the Company

e-mail untuk disebarkan kepada seluruh kayawan. Lensa

by e-mail to be spread to the employees. Lensa Berita is

Berita terbit setiap hari Rabu di setiap minggunya. Pada

published every Wednesday in every week. In 2015, Lenses

2015, Lensa Berita telah menerbitkan 53 edisi.

News has published 53 editions.

2. Pesan Manajemen

2. Message from Management

Pesan langsung yang dikirimkan oleh Manajemen kepada

Direct messages sent by the Management to all

seluruh karyawan. Pesan ini terkait mengenai budaya

employees. The messages are related to work culture,

kerja, informasi perkembangan Perseroan, maupun

information on the progress of the Company’s

motivasi. Sepanjang 2015, Manajemen lebih menekankan

development, as well as motivation. Throughout 2015,

kepada sosialisasi visi, misi dan objektif Perseroan kepada

the Management emphasized on dissemination of

seluruh karyawan.

the Company’s vision, mission and objectives to the employees.

3. Artikel

3. Articles

Kutipan artikel dari salah satu surat kabar yang

Quotes from articles from one of the nationwide

berperedaran nasional, dimana artikel tersebut terbit setiap

newspapers, in which the articles are published every

minggu. Artikel tersebut bertujuan untuk memberikan

Sunday. The articles are written to motivate, inspire and

motivasi, menginspirasi, dan memberikan informasi-

provide information on jobs.

informasi yang berhubungan dengan dunia kerja.


467





Pelatihan Sekretaris Perusahaan

Corporate Secretary Training

Pada 2015, Sekretaris Perusahaan telah mengikuti berbagai

In 2015, Corporate Secretary has attended various trainings to

pelatihan dalam rangka untuk meningkatkan kemampuan dan

increase his capacity and competency in the field as follows:

kompetensi pada bidangnnya, sebagai berikut: Tabel Pelatihan Sekretaris Perusahaan No

Tanggal / Dated

1

17 April 2015 / April 17, 2015

2 3

Table of Corporate Secretary Training Training


Tempat / Location


Sinarmas Sekuritas


12 Agustus 2015 / August 12, 2015

Training Corporate Governance

OJK

Menara Merdeka, Jakarta


Governance of Risk



KANTOR AKUNTAN PUBLIK

PUBLIC ACCOUNTING FIRM

Melalui RUPS pada tanggal 24 Maret 2015 dan 12 Juni 2015,

Pursuant to the AGM on March 24, 2015 and June 12, 2015,

bertempat di Sinar Mas Land Plaza, Tower II, Lantai 39, Ruang

at Sinar Mas Land Plaza, Tower II, Floor 39, Paseo Room,

Paseo, Jalan MH Thamrin Nomor 51,di Jakarta, menyetujui

Jalan MH Thamrin Number 31, in Jakarta, the Bank approved

untuk menunjuk KAP Moore Stephens guna melakukan

the appointment of KAP Moore Stephens to perform the

Audit Umum Laporan Keuangan Bank Sinarmas 2014 untuk

General Audit of Financial Statements Bank Sinarmas 2014 to

melakukan Audit Umum atas Laporan Keuangan PT. Bank

conduct the General Audit of Financial Statements of PT. Bank

Sinarmas Tbk. per 31 Desember 2014.

Sinarmas Tbk. as of December 31, 2014.

Kantor Akuntan Publik KAP Moore Stephens merupakan

Public Accounting Firm (KAP) Moore Stephens is a KAP

KAP yang terdaftar sebagai Auditor Bank di Otoritas Jasa

registered as Bank Auditor in the Financial Services Authority.

Keuangan. Bank Sinarmas menunjuk KAP tersebut untuk

Bank Sinarmas appointed the KAP to perform general audit

melaksanakan audit umum laporan keuangan Bank Sinarmas

for the financial statements of the Bank Sinarmas 2015, that

2015, yang dalam penugasannya memenuhi aspek berikut:

the assignment meets the following aspects:

• Kapasitas KAP yang ditunjuk

• Capacity

• Legalitas perjanjian kerja

• Legality of work agreement

• Ruang lingkup audit

• Audit coverage

• Standar profesional akuntan publik

• Professional public accountant standards

• Komunikasi Bank Indonesia dengan KAP dimaksud

• Communication between Bank Indonesian with the aforementioned KAP

Periode Kantor Akuntan Publik dan Akuntan Publik

Terms of Public Accountant Firm and Public Accountant

Sesuai Peraturan PBI 3/22/PBI/2001 tentang Transparansi

Pursuant to PBI 3/22 / PBI / 2001 on Transparency of

Kondisi Keuangan Bank, penunjukkan KAP yang sama hanya

Financial Condition of the Bank, KAP same designation

bisa dilakukan selama lima tahun berturut-turut kecuali jika

can only be done for five consecutive years unless it meets

memenuhi kondisi tertentu dan dilaksanakan atas persetujuan

certain conditions and carried out with the approval of Bank

Bank Indonesia. Berikut adalah Kantor Akuntan Publik yang

Indonesia. The following are a public accounting firm to audit

melakukan audit Laporan Keuangan Bank Sinarmas selama 3

the financial statements of Bank Sinarmas for 3 (three) years:

(tiga) tahun terakhir:

468




Tabel informasi akuntan publik Tahun / Year



Table of information on public accountant

Kantor Akuntan Publik / Public Accounting Firm

Nama Akuntan (Perorangan) / Accountant Name (Individual)

2015

KAP Moore Stephens

Mulyamin Sensi Suryanto dan Lianny

2014

KAP Moore Stephens


2013

KAP Moore Stephens


2012

KAP Moore Stephens


2011

KAP Moore Stephens


SISTEM PENGENDALIAN INTERNAL

INTERNAL CONTROL SYSTEM

Seluruh manajemen dan karyawan memiliki peran dan

Management and employees have their own roles and

tanggung jawab dalam meningkatkan kualitas dan

responsibilities in improving the quality and implementation

pelaksanaan sistem pengendalian intern. Pengendalian

of internal control system. Internal control is carried out by

internal dilakukan oleh unit bisnis dengan mengacu

business unit by referring to the determined policies and

pada kebijakan dan prosedur yang telah ditetapkan.

procedures. To ensure that the policies and procedures have

Untuk memastikan bahwa kebijakan dan prosedur telah

been implemented, the Internal Audit Unit conducts periodic

dilaksanakan, maka Satuan Kerja Audit Internal melakukan

review with predetermined scope of evaluation aspect.

proses review secara periodik dengan cakupan aspek

Objectives of internal control system are, namely:

pemeriksaan yang telah ditentukan sebelumnya. Tujuan penerapan sistem pengendalian internal adalah untuk: • Menjaga dan mengamankan harta kekayaan Bank;

• Maintaining and securing Bank’s wealth;

• Menjamin tersedianya laporan yang lebih akurat dan tepat

• Assuring the availability of a more accurate and timely

waktu; • Meningkatkan kepatuhan terhadap ketentuan yang berlaku, baik ketentuan internal maupun eksternal; • Mengurangi dampak keuangan/kerugian, penyimpangan termasuk kecurangan fraud, dan pelanggaran aspek

report; • Improving the compliance with the prevailing provisions, both internal and external circumstances; • Reducing financial impact/loss, violations, including fraud, and prudence aspect violation; and

kehati-hatian; dan • Meningkatkan efektivitas organisasi dan meningkatkan

• Improving organization effectiveness and cost efficiency.

efisiensi biaya. Sistem Pengendalian Keuangan dan Operasional

Financial and Operational Control System

Dalam rangka pengelolaan Bank secara efektif dan efesien,

In order to create effective and efficient Bank management,

serta sebagai dasar kegiatan operasional yang sehat dan

as well as serving as the basis of safe and sound operational

aman, Bank telah menerapkan suatu Sistem Pengendalian

activity, the Bank has determined an Internal Control System.

Internal. Keberadaan SKAI bertanggung jawab untuk

The IAU is responsible for assisting the Bank’s management in

membantu menajemen Bank memastikan bahwa penerapkan

ensuring that the implementation of internal control has been

internal control cukup memadai dan telah berjalan

adequate and as expected.

sebagaimana mestinya. Sebagaimana diatur dalam Peraturan Bank Indonesia nomor

As regulated in Bank Indonesia Regulation No. 5/8/

5/8/PBI/2003 tanggal 19 Mei 2003 tentang Penerapan

PBI/2003 dated May 19, 2003 on the Implementation of

Manajemen Risiko Bagi Bank Umum dan PBI No. 11/25/

Risk Management for Commercial Bank and PBI No. 11/25/

PBI/2009 tanggal 1 Juli 2009 (Perubahan atas PBI No.5/8/

PBI/2009 dated July 1, 2009 - amendment to PBI No.5/8/

PBI/2003) tentang Penerapan Manajemen Risiko bagi Bank

PBI/2003 on the Implementation of Risk Management for

Umum, Bank Indonesia juga menerbitkan ketentuan dalam SE

Commercial Bank, Bank Indonesia also issued Circular Letter


469





No.5/22/DPNP tanggal 29 Desember 2003 perihal Pedoman

No. 5/22/ DPNP dated December 29, 2003 on Standard

Standar Sistem Pengendalian Intern bagi Bank Umum yang

Guidelines for the Internal Control System for Commercial

mewajibkan setiap Bank umum menyusun Pedoman Sistem

Bank, which obliges every commercial bank to set their own

Pengendalian Intern yang sekurang-kurangnya mencakup 5

Guidelines on the Internal Control System consisting at least 5

(lima) elemen pokok, yaitu:

(five) core elements such as:

• Pengawasan oleh Manajemen dan kultur pengendalian

• Supervision by Management and Control Culture

• Indentifikasi dan penilaian risiko

• Risk Identification and Assessment

• Kegiatan pengendalian dan pemisahan fungsi

• Controlling Activities and Segregation of Duties

• Sistem Akuntansi, infromasi, dan komunikasi

• Accounting system, information and communication

• Kegiatan pemantauan dan tindakan koreksi

• Monitoring activities and correcting deficiencies.

penyimpangan/kelemahan. Bank Sinarmas kemudian menetapkan kelima poin di atas

Bank Sinarmas has stipulated the points into the guidelines,

dalam pedoman yang telah ditetapkan oleh Komisaris dan

which are set forth by the Commissioners and Directors

Direksi dalam Surat Keputusan No.0020001.095 tanggal

on Decree No.0020001.095 dated December 15, 2004 on

15 Desember 2004 perihal Pedoman Sistem Pengendalian

Guidelines of Internal Controlling System. The guidelines cover

Internal. Pedoman mencakup sistem pengendalian keuangan

financial and operational control system in Bank Sinarmas,

dan operasional yang ada di Bank Sinarmas serta menjadi

as well as serving as references to all management and

acuan bagi seluruh jajaran Bank dalam melakukan aktivitas

employees in carrying out daily operational activities.

operasional sehari-hari. Kesesuaian Sistem Pengendalian Internal dengan

Internal Control System Conformity to COSO Framework

Kerangka COSO Sistem pengendalian keuangan dan operasional Bank

Financial and operational control system of Bank Sinarmas is

Sinarmas sejalan dengan sistem pengendalian internal

in line with internal control system according to Committee

menurut Committee of Sponsoring Organization of the

of Sponsoring Organization of the Tradeway Commission

Tradeway Commission (COSO). Sistem pengendalian

(COSO). This control system covers various policies,

tersebut mencakup berbagai kebijakan, prosedur, kegiatan

procedures, monitoring and communication activities, as well

pemantauan dan komunikasi, serta standar perilaku dan

as standards of conduct, and initiatives that are aimed to:

berbagai inisiatif yang ditujukan untuk: • Mengamankan aset (security objectives)

• Secure the assets (security objectives)

• Mengupayakan efisiensi dan efektivitas operasi Bank

• Strive for efficiency and effectiveness of Bank Sinarmas

Sinarmas (operational objectives) • Mengembangkan keandalan dan kelengkapan informasi

operation (operational objectives) • Develop reliability and completeness of accounting/

akuntansi/finansial dan manajemen (information

financial information and management (information

objectives); serta

objectives); and

• Menjamin kepatuhan terhadap kebijakan dan prosedur

• Ensure compliance with policies and procedures, as well as

serta peraturan perundangan yang berlaku (compliance

the prevailing laws and regulations (compliance objectives).

objectives). Evaluasi atas Efektivitasi Sistem Pengendalian Internal

Evaluation of Effectiveness of Internal Control System

Bank Sinarmas senantiasa melakukan evaluasi secara berkala

Bank Sinarmas periodically evaluates the financial and

terhadap sistem pengendalian keuangan dan operasional

operational control system as a basis for the Company to

sebagai salah satu fondasi bagi Perseroan untuk terus

continuously improve the control system that will boost the

melaksanakan perbaikan dan penyempurnaan sistem

growth of the Bank. The evaluation is carried out to financial

pengendalian yang dapat meningkatkan pertumbuhan Bank.

statements of the Company.

Evaluasi tersebut salah satunya dilakukan melalui laporan keuangan Perseroan.

470






Dalam melakukan evaluasi, perusahaan menggunakan kriteria

In evaluating, the Company adopts the criteria that have been

yang telah ditetapkan oleh Internal Control - Integrated

defined by Internal Control - Integrated Framework issued by

Framework yang telah dikeluarkan oleh COSO. Berdasarkan

COSO. Based on this evaluation, the Board of Commissioners

penilaian ini, Dewan Komisaris dan Direksi menyimpulkan

and Board of Directors concluded that until December 31,

bahwa hingga tanggal 31 Desember 2015, sistem

2015, internal control system of the Company on financial

pengendalian internal Perseroan atas laporan keuangan telah

statements has been implemented effectively.

berjalan dengan efektif.

PERKARA PENTING YANG DIHADAPI BANK SINARMAS

LEGAL CASES FACED BY BANK SINARMAS

Perkara Penting yang Dihadapi Direksi dan Dewan

Legal Cases faced by the Board of Directors and Board of

Komisaris

Commissioners

Sepanjang tahun 2015, tidak ada perkara penting baik

Throughout 2015, there were no legal cases, both civil and/or

perkara perdata dan/atau pidana yang dihadapi oleh Dewan

criminal, faced by the Board of Commissioners and Board of

Komisaris dan Direksi Perseroan yang menjabat pada periode

Directors of the Company serving in the period of December

31 Desember 2015.

31, 2015.

Permasalahan Hukum

Legal Cases

Pada tahun 2015 Perseroan menghadapi permasalahan

In 2015, the Company faced legal cases regarding lawsuit

hukum berupa gugatan perdata, dimana Perseroan sebagai

on civil case, in which the Company as the defendant went

pihak tergugat melalui proses hukum.

through legal proceedings. Jumlah / Total

Permasalahan Hukum / Legal Case

Perdata / Civil

Pidana / Criminal

2014

2015

2014

2015

Perkara yang Telah Selesai (Mempunyai Kekuatan Hukum Tetap) / Resolved (Having Permanent Legal force)

1

3

-

-

Perkara Dalam Proses Penyelesaian / On Progress

1

-

-

-

Di bawah ini adalah detail permasalahan hukum yang

Below is the detail of legal problems faced by Bank Sinarmas

dihadapi oleh Bank Sinarmas selama tahun 2015:

throughout 2015:

No.

1

No. Perkara/ Gugatan / Case/ Lawsuit

No.xxx/PDTG/2014/ PN.KD

Kantor Cabang / Branch Office

KC KUDUS


Uraian Perkara / Case Description

Gugatan didasari atas sengketa tanah waris yang dialami oleh penggugat dengan ahli waris lainnya. Dalam perkara ini Perseroan menjadi turut tergugat / Lawsuit was based on the dispute of heirs’ land property experienced by the plaintiff with the other heirs. In this case, the Company became the defendant

Perkembangan Perkara / Case Development

Sanksi Administratif

Sudah terdapat Putusan Pengadilan Negeri Kudus yang menyatakan gugatan dari Penggugat dinyatakan DITOLAK pada tahun 2014 Tidak ada / None / Judgement was made by the District Court of Kudus stating that the lawsuit from the Plaintiff was declared REJECTED in 2014

471


No.

2

3

No. Perkara/ Gugatan / Case/ Lawsuit

No.xxx/Pdt.G/2015/ PN.Slt

No.xxx/PDTG/2014/ PN.KDI


Kantor Cabang / Branch Office

KC SALATIGA

KC KENDARI



Perkembangan Perkara / Case Development

Uraian Perkara / Case Description

SELESAI / DONE Permasalahan ini Gugatan didasari atas pelaksanaan sudah diputus oleh hak Perseroan selaku Kreditur atas Pengadilan Negeri jaminan karena penggugat tidak Salatiga melalui Akta dapat menyelesaikan kewajibannya Perdamaian pada / Lawsuit was based on the tahun 2015. / This implementation of rights of the case was resolved Company as a Creditor on the by District Court of guarantee because the plaintiff Salatiga through fails to fulfill its liability. Deed of Settlement in 2015.

Sanksi Administratif

Tidak ada / None

SELESAI / DONE Sudah terdapat Putusan Pengadilan Negeri Kendari yang menyatakan gugatan dari Penggugat dinyatakan DITOLAK pada tahun 2015. Tidak ada / None / Judgement was made by the District Court of Kudus stating that the lawsuit from the Plaintiff was declared REJECTED in 2014.

Gugatan didasari atas keberatan Penggugat selaku Pihak Ketiga yang berkepentingan atas suatu barang yang merupakan jaminan Perseroan / Lawsuit was based on the Plaintiff’s objection as the Third Party that has the interest on a property that was guaranteed by the Company

Dampak Permasalahan Hukum Bagi Perseroan

Impact of Legal Cases on the Company

Dampak permasalahan hukum yang dihadapi oleh Perseroan

Legal cases faced by the Company did not significantly impact

tidak berdampak signifikan terdahap kegiatan usaha karena

on business activities as the Company did not do legal risk

Perseroan telah berupaya melalukan proses mitigasi risiko

mitigation process conducted by Legal Unit.

hukum yang dilakukan oleh Unit Legal.

UNIT LEGAL

LEGAL UNIT

Sehubungan dengan perkembangan bisnis Perseroan yang

In connection with the Company’s business development that

semakin hari memiliki kompleksitas transaksi bisnis yang

gets more complex in various business transactions and in the

berbeda-beda dan dalam rangka mewujudkan budaya taat

effort to realize a comply-with-law culture in all officials of the

hukum pada seluruh pejabat Perseroan, unit legal telah

Company, the legal unit has conducted preventive actions on

melakukan beberapa upaya pencegahan (tindakan preventif)

various legal cases and legal risk potential in the Company’s

terhadap berbagai permasalahan hukum serta potensi risiko

business activities, among others:

hukum dalam kegiatan usaha Perseroan, antara lain: 1. Melakukan tindakan preventif

1. Doing preventive action

a. Legal Review

a. Legal Review

Identifikasi risiko hukum dalam rangka tindakan dan

Identification of legal risk for any action and decision

keputusan yang diambil oleh Perseroan, baik dalam

taken by the Company, be it for the giving of credit

rangka pemberian fasilitas kredit, maupun kerjasama

facility and cooperation with other parties.

dengan pihak lain.

472





b. Legal Advice

b. Legal Advice

Diskusi interaktif dengan seluruh unit kerja Perseroan


Interactive discussion with all work units of the Company

dalam rangka pemberian opini hukum dan bantuan

to give legal opinion and assistance directly to legal cases

hukum secara langsung terhadap permasalahan

happened in the company.

hukum yang terjadi di lapangan. c. Legal Awareness

Action Plan tahunan unit legal dalam rangka

c. Legal Awareness

Annual action plan of legal unit to increase legal

meningkatkan legal awareness di seluruh cabang

awareness in all branches of the Company, which is

Perseroan yang dilakukan bersama-sama dengan

conducted together with UKPN, Service Quliaty and Anti

UKPN, Service Quality dan Anti Fraud dengan

Fraud by providing material on legal introduction and legal

memberikan materi pengantar hukum dan

cases discussion faced by each branch. This knowledge on

pembahasan legal cases yang dihadapi oleh setiap

legal is given to operational officers (Regional, Operation

cabang. Bekal pengetahuan hukum ini diberikan

Manager, Head of Operation, Supervisor, Branch Internal

kepada pejabat-pejabat operasional (Regional

Control, Teller, Customer Service) and is expected that

Operation Manager, Head of Operation, Supervisor,

the officials has the adequate competency and strong

Branch Internal Control, Teller, Customer Service)

understanding to mitigate or minimize the arising legal

dan diharapkan pejabat-pejabat tersebut memilik

cases.

kompetensi dan pemahaman hukum yang cukup kuat untuk dapat memitigasi ataupun meminimalisir timbulnya permasalahan hukum. 2. Melakukan review kinerja pihak ketiga

2. Reviewing the third party’s performance

Secara berkala Legal melakukan review atas kinerja pihak

Periodically, legal unit reviews the performance of the

ketiga dalam penyelesaian dokumen kredit dan dokumen

third party in settling credit documents and other related

terkait lainnya.

documents.

3. Membina hubungan baik

3. Developing good relationship

Selalu mengedepankan hukum dan menjalin hubungan

Always putting forward laws and building good

baik dengan instansi dan regulator dalam rangka

relationship with institutions and regulators for law

penegakkan hukum atas penanganan permasalahan

enforcement on the handing of legal cases faced by the

hukum yang dihadapi oleh Perseroan.

Company.

4. Penguatan kompetensi

4. Strengthening of competency

Personel unit legal Perseroan dipilih berdasarkan latar

The personnel fo the Company’s legal unit is choosed

belakang pendidikan hukum (minimal S1 Hukum). Upaya

based on background of law education (minimum S1 Law).

penguatan dan pengingkatan profesi legal terus dilakukan

The effort of strengthening and improvement of legal

oleh Perseroan, dengan melakukan workshop atau training

profession is continuously conducted by the Company by

secara berkala.

carrying out workshops or training periodically.

BUY BACK SHARES DAN BUY BACK OBLIGASI BANK

SHARES BUY BACK AND BONDS BUY BACK

Selama 2015, tidak terjadi buy back share dan/atau buy back

There were no shares buy back and/or bonds buy back in the

obligasi Bank pada Bank Sinarmas.

Bank in 2015.


473





KODE ETIK DAN BUDAYA PERUSAHAAN

CODE OF CONDUCT AND CORPORATE CULTURE

Isi Kode Etik

Code of Conduct

Kode etik dan pedoman tingkah laku telah disosialisasikan dan

The code of conduct has been disseminated and applied to all

berlaku untuk seluruh bagian dari Bank Sinarmas. Termasuk

divisions of Bank Sinarmas, including Board of Commissioners,

Dewan Komisaris, Komite-komite dibawah Dewan Komisaris

Committees under the Board of Commissioners and Board of

dan Direksi, karyawan, para konsultan serta pihak lain yang

Directors, employees, consultants and other parties who work

bekerja dengan Bank Sinarmas, atau yang mewakili Bank

with Bank Sinarmas, or that represent Bank Sinarmas directly

Sinarmas secara langsung atau secara tidak langsung.

or indirectly.

Jika terjadi pelanggaran pedoman tingkah laku terhadap

Any individual violation against the code of conduct, policies

kebijakan dan prosedur Bank Sinarmas dan/atau ketentuan

and procedures of Bank Sinarmas and/or the prevailing laws

perundang-undangan yang berlaku, maka ia dapat dikenakan

and regulations will be charged with disobedience, including

tindakan indiscipliner, termasuk pemutusan hubungan kerja

termination of employment. Violations of laws/regulations

atau penghentian kerja. Pelanggaran terhadap hukum/

may also result in legal action and including fines, with regard

undang-undang juga dapat berakibat tuntutan hukum dan

to some things, criminal penalties for perpetrators, supervisors

termasuk denda, berkenaan dengan beberapa hal, hukuman

and/or the company.

pidana untuk pelaku, atasan dan/atau perusahaan.

Enam Bagian utama Kode Etik dan Pedoman Tingkah Laku profesional Bank Sinarmas Six Main Points of Code of Conduct and Professional Behaviour Guidelines of Bank Sinarmas

#1

Tanggung jawab kepada Bank Sinarmas / Responsibility to Bank Sinarmas

#1

#3

#2

#2

Mewakili Bank Sinarmas dan pihak luar lainnya / Representing Bank Sinarmas and other external parties

#3

Tanggung jawab tempat kerja / Responsibility in workplace

#4

#5

Kegiatan Investasi / Investment

#5

#6 #4

Kerahasiaan / Confidentiality

#6

Kepatuhan pada Peraturan / Compliance to Regulation

Pengungkapan bahwa Kode Etik Berlaku bagi Seluruh

Disclosure on the Implementation of Code of Conduct

Level Organisasi

For All Organization Levels

Kode etik berlaku bagi seluruh insan Perseroan, mulai dari

Code of conduct is in effect for the Company’s people,

Dewan Komisaris, Direksi, dan seluruh karyawan sebagai

from Board of Commissioners, Board of Directors and the

budaya kerja dalam aktivitas operasional sehari-hari. Selain

employees as a work culture in daily operational activities. In

474






Sebagai lembaga intermediasi dan lembaga kepercayaan, dalam melaksanakan kegiatan usaha Bank Sinarmas menganut prinsip keterbukaan, akuntabilitas, tanggung jawab independen, serta kesetaraan dan kewajaran. As an intermediary and trusted institution, Bank Sinarmas adopts principles of transparency, accountability, responsibility, independency, and fairness in implementing its business activities.

itu, pihak eksternal yang berhubungan dengan Perseroan juga

addition, all external parties with connection to the Company

diwajibkan untuk mengikuti berbagai ketentuan yang ada di

are obliged to comply with the prevailing regulations in

dalam kode etik Perseroan. Guna mendukung penerapannya,

the Company’s code of conduct. In order to support the

Perseroan melakukan beberapa hal berikut:

implementation, the Company conducts the following actions:

• Pemberlakuan kewajiban mematuhi kode etik Perseroan

• The enforcement of obligation to comply with the code of

bagi seluruh insan Perseroan.

conduct for the Company’s people

• Sosialisasi dan pemahaman atas kode etik.

• Dissemination and understanding of code of conduct

• Manajemen Perseroan bertanggung jawab dan memberi

• The Company’s management takes responsibility and

keteladanan bagi bawahannya untuk menerapkan kode

becomes an example for the staff to implement the

etik Perseroan.

Company’s code of conduct.

Penyebarluasan Kode Etik

Code of Conduct Dissemination

Sosialisasi terhadap penerapan kode etik senantiasa dilakukan

Dissemination of code of conduct is constantly implemented

kepada segenap insan Perseroan, mulai dari top management

for the Company’s people, from top management to

sampai dengan level operasional melalui berbagai media yang

operational level through several media owned by the

dimiliki Perseroan, termasuk pemanfaatan melalui media

Company, including the utilization of information technology

teknologi informasi yang dapat diakses oleh semua pegawai

media that can be easily accessed by all employees at any

dengan mudah setiap saat. Perseroan menyampaikan melalui

time. The Company publishes the implementation of business

media Memo dan/atau Surat Edaran dari Direksi tentang

ethics through Memo and/or Circular Letter from Board of

pelaksanaan etika bisnis. Media sosialisasi penyebarluasan

Directors. The media used to disseminate code of conduct are

kode etik dilakukan melalui situs Perseroan, buku saku,

the Company’s website, notebooks, flyers, banners, bulletins,

spanduk, banner, buletin, pernyataan komitmen, iklan di

commitment statement, advertisement on newspapers and

koran, dan lain sebagainya.

others.

Jenis Sanksi untuk Setiap Pelanggaran Kode Etik

Types of Sanction for Each Code of Conduct Violation

Jenis sanksi untuk setiap pelanggaran kode etik adalah, mulai

The types of sanction for each code of conduct violation

dari pemberian Surat Peringatan sampai dengan Pemutusan

starts from the giving of Warning Letter as of Employment

Hubungan Kerja (PHK).

Termination (PHK).


475





Jumlah Pelanggaran Kode Etik

Total Code of Conduct Violation

Sepanjang tahun 2015, tidak terdapat pelanggaran kode etik

In 2015, there was no sanction imposed to the employees

yang dikenakan kepada karyawan.

because of violation to code of conduct.

Budaya Bank Sinarmas

Bank Sinarmas Culture

1

2

476

Integrity

Positive attitude

Bertindak sesuai ucapan/janji sehingga dapat menumbuhkan kepercayaan pihak lain / Acts according to promises in order to earn trust from others

Menampilkan perilaku yang mendukung terciptanya lingkungan kerja yang saling menghargai dan kondusif / Demonstrate supporting behaviors to create a full respect and conducive work environment

Kejujuran / Honesty

• Memberikan pendapat yang sesuai dengan kebenaran / Giving opinions based on truth • Berbicara berdasarkan fakta dan data / Speak upon facts and data • Memastikan tidak adanya ‘conflict of interest’ yang dapat menimbulkan bias dalam pengambilan keputusan yang dapat merugikan perusahaan / Ensure no conflict of interest that could arise bias in decision-making process, in its ability to bring loss for the company

Walk The Talk

• Menepati janji / Fulfilling promises • Menjalankan, menindaklanjuti serta bertanggungjawab atas keputusan yang telah disepakati dan ditetapkan / Conduct, follow-up, and be responsible of agreed and determined decisions

Conscience

• Menjaga dan melindungi kepentingan Perusahaan sebaik-baiknya / To preserve and protect the interest of the Company at any cost • Memastikan perusahaan tidak dirugikan dalam hal waktu, materi, sumber daya dan tindakan apapun yang dilakukan / Ensure that company is not losing time, materials, and resources on any conducted actions

Positive thinking

Menelaah isu atau permasalahan dari sudut pandang positif dan berupaya mendiskusikannya dengan positif untuk mendapatkan solusi yang terbaik bagi perusahaan dan semua pihak / Analyze issues and problems from a positive point of view and discuss them in positive way to have the best solution for the Company and all parties involved

Respect others

• Mendengarkan dan menghormati pendapat rekan kerja dalam setiap kesempatan / Listening and respecting opinions from colleagues in every opportunity • Memberikan pujian/penghargaan kepada yang berhasil melaksanakan tugas dan tanggung jawab atau yang menunjukkan penerapan nilainilai perusahaan secara konsisten / Expressing a praise/appreciation to those who succeed in completing their assignments and responsibilities or demonstrate company values consistently

Team work

• Memberikan kontribusi berarti dalam melaksanakan tugas / Contributing in conducting the duties • Mencari solusi terbaik demi kepentingan perusahaan / Seeking the best solutions for company’s interest




Positive working environment

3

4

Commitment

Continuous improvement

Melaksanakan pekerjaan dengan sepenuh hati untuk mencapai hasil terbaik / Conducting Passion their duties with sincerity to achieve the best result

Meningkatkan kemampuan/kapasitas diri, unit kerja dan organisasi secara terus menerus tanpa batas untuk mencapai hasil terbaik / Improving continuous capabilities/ self-capacity, working unit and organization without limit to achieve the best result




• Melaksanakan proses dialog dalam berkomunikasi / Conducting conversation process in communication • Mendorong rekan kerja untuk senatiasa bertindak positif dalam mencetuskan pendapat atau mengupayakan solusi tanpa berusaha mendiskreditkan rekan kerja/bagian lain / Encouraging colleagues to continuously think positively in sharing opinions or to make an effort to have a solution without discrediting other colleagues/other divisions • Menunjukkan kedisiplinan dalam hal waktu dan upaya yang dilakukan / Demonstrating time disciplinary and efforts conducted • Memperlihatkan antusiasme dalam melaksanakan pekerjaan / Showing enthusiasm at working

Strive to be the best

Senantiasa merasa tidak puas diri atas pencapaian sekarang dan terus bertekad mewujudkan hasil terbaik dalam setiap kesempatan, di mana ‘sky is the limit’ / Continuously challenging Inner self not to be satisfied with current result, and determining to achieve the best result in every opportunity, where sky is the limit

Follow up until done

• Menyelesaikan pekerjaan yang telah dimulai dengan sepenuh hati / Finishing duties with full of heart • Menunjukkan usaha optimal untuk mencapai hasil terbaik dalam rentang waktu yang telah ditetapkan / Demonstrating optimum efforts to achieve best result within targeted timeline

Data accuracy

• Memperoleh, memproses dan memberikan data serta informasi secara akurat / Gaining, processing, and delivering data as well as accurate information • Memastikan bahwa data yang diberikan dapat mendukung pengambilan keputusan yang terbaik bagi perusahaan / Ensuring that reported data is capable to have the best decision taken for company

Cost concern

Selalu melakukan evaluasi diakhir pelaksanaan tugas dalam upaya meningkatkan manfaat dan efektivitas penggunaan baiya pada tugas-tugas selanjutnya / Always conducting evaluation at the end of duties performance in order to enhance benefit and costspending affectivity on awaiting tasks

477


5

6

Innovative

Loyal


Memunculkan gagasan atau menciptakan produk/ alat kerja/ sistem kerja baru yang dapat meningkatkan produktivitas dan pertumbuhan perusahaan / Creating fresh ideas or innovate product/work device/ new work system to accelerate productivity and the Company’s growth


Process excellence

• Memastikan terjadinya zero defect untuk mewujudkan hasil terbaik / Ensuring that zero defect happens in order to achieve the best result • Melaksanakan proses bisnis secara benar/sesuai standard operation procedure (SOP) / Conducting correct business process according to Standard Operation Procedure (SOP) • Melakukan review SOP secara berkesinambungan untuk memastikan bahwa SOP tersebut sesuai dengan perkembangan perusahaan dan industri / Conducting synergized SOP review to ensure that the SOP has been in accordance with company and industry’s development

Bench marking

• Mempelajari praktek bisnis terbaik lewat bacaan, sharing session, pelatihan, magang, atau kunjungan ke unit kerja/perusahaan terbaik / Learning best business practice through sharing session, training, internship, or working unit visit/ the best company • Menceritakan praktek bisnis terbaik yang dipelajari kepada rekan kerja dalam satu divisi/ perusahaan / Sharing best business practice learned to colleagues in a division/ Company • Menerapkan praktek bisnis terbaik di lingkungan kerjanya, yang dapat meningkatkan kemajuan perusahaan / Implementing best business practice in its working environment that can develop Company’s growth

Breaktrough

• Merancang ulang dan/atau secara terus menerus melakukan perbaikan proses bisnis yang dibutuhkan / Redesigning and/or continuously conducting needed business process • Melaksanakan pengembangan inisiatif baru yang dapat meningkatkan kinerja individu, unit kerja dan perusahaan / Conducting new initiative development to improve individual working performance, working unit, and companies

Menumbuhkembangkan semangat untuk mengerti, memahami dan melaksanakan nilai-nilai perusahaan sebagai bagian Fraternity dari Keluarga Besar Sinarmas / Growing spirit to understand, comprehend, and apply company’s values as part of Sinarmas big family

Pride

478


• Menjaga nama baik perusahaan pada setiap kesempatan, dimanapun berada, di dalam maupun di luar perusahaan / Protecting Company’s good reputation in every opprtunity, in or outside the Company • Menjaga kepentingan/informasi/sumber daya/asset perusahaan dengan sebaik-baiknya dan dalam kondisi apapun, tidak akan pernah memberikannya kepada pihak manapun yang tidak berkepentingan / Maintaining the Company’s interests/information/ resources/assets at best effort in every condition and would not be willing to hand them to unrelated parties • Merekomendasikan orang-orang yang berpotensi untuk bergabung dengan perusahaan / Giving recommendation of potential individuals to join the Company • Menceritakan hal-hal yang positif mengenai / Spreading positive things about company in every opportunity perusahaan dalam setiap kesempatan • Menjadi ‘role model’ dari penerapan nilai-nilai perusahaan / Being a role model in applying Company’s values




Dedication



• Melihat setiap tugas/pekerjaan sebagai hal penting yang bermanfaat bagi kemajuan Perusahaan / Seeing that every duty/assignment is beneficial and important matter for Company’s growth • Menunjukkan usaha cerdas dan kertas dalam melaksanakan pekerjaan / Demonstrating clever efforts in conducting their duties

PAKTA INTEGRITAS

INTEGRITY PACT

Bank Sinarmas memiliki pakta integritas yang berisikan

Bank Sinarmas possesses integrity pact that contains

komitmen manajemen dan seluruh pegawai Perseroan untuk

commitment of the Company’s management and all

senantiasa mencegah dan tidak melakukan korupsi. Pakta

employees to prevent and do not commit corruption. The

integritas tersebut ditujukan untuk menumbuhkembangkan

purpose of integrity pact is to develop transparency and

keterbukaan dan kejujuran, serta menciptakan pelaksanaan

honesty, as well as creating a quality, effective, efficient, and

tugas yang berkualitas, efektif, efisien, dan akuntabel dalam

accountable fulfillment of duties in business environment.

lingkungan bisnis. Pakta integritas tersebut memuat tentang

Integrity pact contains various matters that can uphold GCG

berbagai hal yang dapat menegakkan implementasi GCG di

implementation within Bank Sinarmas.

dalam Bank Sinarmas.

KEPATUHAN TERHADAP PAJAK

TAX COMPLIANCE

Bank Sinarmas senantiasa patuh dan taat pada peraturan

Bank Sinarmas always complies with the prevailing laws and

dan perundang-undangan yang berlaku serta senantiasa

regulations, as well as Regulation of the Government of the

memenuhi Peraturan Pemerintah Republik Indonesia terkait

Republic of Indonesia regarding income tax on income of the

pajak penghasilan atas perolehan dari usaha bank. Kepatuhan

Bank’s business. Bank Sinarmas’ compliance with tax is a form

Bank Sinarmas terhadap pajak merupakan salah satu bentuk

of contribution of Bank Sinarmas in developing the country.

kontribusi Bank Sinarmas dalam membangun negara.

KEBIJAKAN ANTI KORUPSI

ANTI-CORRUPTION POLICY

Kebijakan

Policy

Dewan Komisaris, Direksi, serta seluruh karyawan Bank

The Board of Commissioners, Board of Directors, and all

Sinarmas senantiasa menjunjung tinggi persaingan yang fair,

employees of Bank Sinarmas always uphold a fair competition,

nilai sportivitas dan profesionalisme, serta prinsip-prinsip

sportsmanship and professionalism, as well as GCG principles.

GCG. Perseroan juga berkomitmen untuk menciptakan

The Company is also committed to creating a healthy business

iklim usaha yang sehat, menghindari tindakan, perilaku

climate, avoiding action, behavior or deed that may cause

ataupun perbuatan-perbuatan yang dapat menimbulkan

conflict of interest, corruption, collusion, and nepotism (KKN).

konflik kepentingan, korupsi, kolusi, dan nepotisme (KKN)

Legal basis of the implementation of anti-corruption policy in

Dasar hukum penerapan kebijakan anti korupsi yang ada di

the Company is as follows:

Perseroan mengacu pada: • Undang-Undang No. 8 tahun 2010 tentang pencegahan dan pemberantasan tindak pidana pencucian uang, dan • Undang-Undang No. 20 Tahun 2001 tentang Perubahan atas UU Nomor 31 tahun 1999 tentang Pemberantasan

• Law No. 8 year 2010 on prevention and eradication of money laundry, and • Law No. 20 Year 2001 on Amendment to Law No. 31 year 1999 on Eradication of Corruption.

Tindak Pidana Korupsi. Bank Sinarmas memiliki pedoman yang memuat perilaku

Bank Sinarmas has guidelines that contain ethical behavior

etis yang pada dasarnya telah memuat nilai-nilai etika

that basically has included ethical values of business. The

bisnis. Pedoman tersebut berupa kode etik Perusahaan

guidelines are realized in the form of code of conduct that

yang menyatakan dengan singkat, jelas, dan rinci dalam

briefly, clearly, and specifically states a clear directions

memberikan arahan yang jelas perihal perilaku etika bisnis

concerning business ethics, including anti-corruption policy.

termasuk di dalamnya tentang anti korupsi.


479





Pelatihan Anti Korupsi

Anti-Corruption Training

Bank Sinarmas menyelenggarakan workshop implementasi

Bank Sinarmas organizes workshop on GCG implementation

GCG yang materinya memuat tentang anti korupsi yang

whose materials contain understanding of anti-corruption to

memuat pemahaman tentang anti korupsi bagi seluruh

all employees.

karyawan. Departemen Anti-Korupsi

Anti-Corruption Department

Sampai saat ini, Bank Sinarmas belum memiliki departemen

Up to date, Bank Sinarmas is yet to have a department

khusus yang berfokus pada penegakan anti-Korupsi di

focusing on anti-corruption enforcement within Bank

lingkungan Bank Sinarmas. Namun, secara intrinsik upaya

Sinarmas. However, intrinsically, prevention efforts are always

pencegahan senantiasa dilakukan dengan mengoptimalkan

implemented by optimizing the role of IAU.

peran SKAI.

PRAKTIK BAD CORPORATE GOVERNANCE

BAD CORPORATE GOVERNANCE PRACTICE

Sepanjang 2015, Bank Sinarmas tidak melakukan segala

Throughout 2015, Bank Sinarmas did not implement any

tindakan serta kebijakan yang berkaitan dengan praktik-

action and policy relating to bad corporate governance. Bank

praktik bad corporate governance. Bank Sinarmas menyadari

Sinarmas realizes that such practice tends to damage good

bahwa praktik ini cenderung akan merusak sistem good

corporate governance system established by Bank Sinarmas.

corporate governance yang telah dibangun Bank Sinarmas.

Information collected by the Bank on this matter is as follows:

Adapun informasi yang dapat dihimpun Bank mengenai hal ini adalah sebagai berikut: Tabel informasi praktik bad corporate governance No

Table of information on bad corporate governance practice


Praktik / Practice

1

Adanya laporan sebagai Perusahaan yang mencemari lingkungan / Report as Company that causes environmental pollution

Nihil

2

Perkara penting yang sedang dihadapi Perusahaan, entitas anak, Anggota Direksi dan/atau Anggota Dewan Komisaris yang sedang menjabat yang tidak diungkapkan dalam laporan tahunan / Legal cases faced by the Company, subsidiary, members of the Board of Directors and/ or acting members of the Board of Commissioners not disclosed in the annual report

Nihil

3

Ketidakpatuhan dalam pemenuhan kewajiban perpajakan / Non compliance with the taxation regulation

Nihil

4

Ketidakpastian penyajian laporan keuangan dengan PSAK / Uncertainties in the presentation of the financial reporting by PSAK

Nihil

STRATEGI ANTI FRAUD, SISTEM PEMANTAUAN FRAUD, DAN FRAUD RESPON PLAN

ANTI FRAUD STRATEGY, FRAUD MONITORING SYSTEM AND FRAUD RESPONSE PLAN

Perseroan mengeluarkan kebijakan penerapan strategi anti-

The Company issued anti-fraud strategy implementation policy

fraud melalui Surat Keputusan No.SK.007/2012/PRESDIR-SKAI

through Decree No.SK.007/2012/PRESDIR-SKAI on Anti-Fraud

tentang Kebijakan Anti-Fraud Management tanggal 1 Juni

Management Policy on June 1, 2012 to meet the Circular

2012 dalam rangka memenuhi Surat Edaran Bank Indonesia

Letter of Bank Indonesia No. 13/28/DPNP dated December 9,

No. 13/28/DPNP tanggal 9 Desember 2011 perihal Penerapan

2011 concerning the Implementation of Anti-Fraud Strategy

Strategi Anti-Fraud bagi Bank Umum, serta sebagai salah satu

for Commercial Banks as one of parts of the improvement of

bagian dari penyempurnaan Kebijakan Sistem Pengendalian

Bank’s Internal Control System Policy. This becomes the form

Intern Bank. Hal ini merupakan wujud komitmen manajemen

of commitment to the Bank’s management in controlling raud

Bank dalam mengendalikan fraud yang diterapkan dalam

that has been implemented in the fraud controlling system.

480






bentuk sistem pengendalian fraud. Selama ini, Bank Sinarmas

During this time, Bank Sinarmas has the anti-fraud strategy

telah memiliki strategi anti-fraud yang diatur pada setiap

regulated in each Policy, Standard Operating Procedure,

Kebijakan, Standar Prosedur Operasional, Petunjuk Teknis

Operating Technical Guidelines, and other arrangements.

Operasional, dan pengaturan lainnya. Sejalan dengan SE BI No.13/28/DPNP mengenai Penerapan

In line with SE BI No.13/28/DPNP on the Implementation of

Strategi Anti Fraud bagi Bank Umum, Bank Sinarmas telah

Anti Fraud Strategy for Commercial Bank, Bank Sinarmas

melakukan berbagai upaya untuk memantau dan memitigasi

has conducted various efforts to monitor and mitigate fraud

risiko fraud melalui penerapan 4 pilar yaitu: (1) Pencegahan;

risk through the implementation of 4 pillars namely: (1)

(2) Deteksi;(3)Investigasi, Pelaporan dan Sanksi; serta (4)

Prevention; (2) Detection; (3) Investigation, Reporting and

Pemantauan, Evaluasi dan tindak lanjut, dimana dalam

Sanction; and (4) Monitoring, Evaluation and follow-up, in

implementasinya melibatkan seluruh line of defense.

which the implemenation involves all lines of defense.

Pilar Pencegahan / Prevention Pillar

Pilar Deteksi / Detection Pillar

Pilar Investigasi, Pelaporan dan Sanksi / Investigation, Reporting & Sanction Pillar

Pilar Pemantauan, Evaluasi dan Tindak Lanjut / Monitoring, Evaluating & Following-up Pillar

Pilar Pencegahan

Prevention Pillar

Mencegah tindak fraud lebih mudah dari pada

Preventing fraud actions is easier than investigating fraud

menginvestigasi kasus tindakan fraud. Pencegahan tindak

action cases. Prevention of fraud is responsibility of all Bank

fraud merupakan tanggung jawab seluruh jajaran Bank dan

managements and part of Fraud Control System in order to

merupakan bagian dari Sistem Pengendalian Fraud dalam

decrease potential of fraud.

rangka mengurangi potensi terjadinya fraud. Pelaksanaan fungsi pencegahan meliputi:

Implementation of prevention functions are as follows:

a. Penerapan Know Your Employee (KYE) yang dilakukan

a. Implementation of Know Your Employee that is conducted

sejak:

since:

- Penerimaan karyawan, yang harus dilakukan adalah

- Acceptance of employees, what to do is to check the

periksa identitas calon yang jelas, cocokkan alamatnya,

identity of the candidates, match the address, with

dengan siapa tinggal. Jika pernah bekerja di tempat

whom they live. If they have ever worked in other

lain, lakukan konfirmasi ke tempat kerja sebelumnya,

companies, confirm to their previous companies, do BI

lakukan BI checking, serta periksa track recordnya.

checking, and check the track record.


481



- Pada masa kerja, lakukan rotasi secara berkala, hindari



- During the working period, do the rotation regularly,

rangkap jabatan, kewajiban cuti, pelatihan yang

avoid concurrent position, furlough obligation,

berkelanjutan, kenali gaya hidupnya (life style), seorang

ongoing training, identify their lifestyle, a leader should

pimpinan harus mengetahui gaya hidup stafnya. - Pada saat seorang karyawan resign, cek kewajibannya kepada bank, konfirmasi ke HCM dan penuhi haknya. b. Pelaksanaan sosialisasi “fraud awareness” secara

know the lifestyle of its staff. - When an employee resignes, check his/her obligations to the bank, confirm to HCM and fulfill their rights. b. Socialization implementation of “fraud awareness”

berkelanjutan, pembinaan keimanan, membudayakan

continuously, belief training, knowing each other among

saling mengenal diantara stafnya.

its staff.

c. Membudayakan semangat Zero Tolerance To Fraud (tidak mentolerir tindak fraud), salah satu caranya dengan membacakan deklarasi anti-fraud pada morning briefing. d. Setiap karyawan baru wajib membaca dan menandatangani deklarasi anti fraud.

c. To grow the spirit of Zero Tolerance Fraud (not tolerate acts of fraud), one of ways is to read the declaration of antifraud on the morning briefing. d. Each new employee must read and sign a declaration of anti-fraud.

e. Mengidentifikasi kerawanan di lingkungan kerja.

e. Identifying vulnerabilities in working environment.

Pilar Deteksi

Detection Pillar

Suatu tindak fraud akan segera diketahui dengan cepat atau

An act of fraud will be known sooner or later by people

lambat oleh orang yang ada di sekitarnya. Mendeteksi aktifitas

around him/her. The fastest detections potential fraud

yang perpotensi fraud paling cepat adalah rekan kerja, atasan

activities are coworkers, supervisor or customer. Pillars of

dari pelaku ataupun nasabah. Pilar deteksi meliputi hal-hal

detection include the following:

sebagai berikut: a. Pilar ini merupakan Sistem pengendalian Fraud dalam rangka mengidentifikasi dan menemukan fraud dalam

a. This pillar is Fraud Control System that aims to identify and find fraud in Bank business activities.

kegiatan usaha bank. b. Meliputi Kebijakan dan mekanisme WhistlebBlowing

b. Including policies and mechanism of Whistleblowing

(SK.027/2015/PRESDIR-FMD tanggal 20 Oktober 2015),

(SK.027/2015/PRESDIR-FMD dated October 20, 2015),

Surprise Audit dan Surveillance System.

Surprise Audit and Surveillance System.

c. Penanggung jawab terhadap pilar deteksi adalah seluruh

c. Person in charge of detection pillars is the entire unit,

unit kerja, baik first line of defense, second of defense

both first line of defense, second and third line of

maupun third line of defense. Jika kejadian fraud sudah

defense of defense. If fraud has been detected, then the

terdeteksi, maka atasan dari pelaku/rekan kerja/seluruh

supervisor/co-workers/all Stakeholders must report to the

stakeholder wajib melaporkan ke SKAI, maupun Divisi anti-

Internal Auditor, as well as anti-fraud division or directly

Fraud atau langsung ke [email protected] yang

to [email protected] managed by Anti-Fraud

dikelola oleh Divisi Anti-Fraud. d. Untuk Surprise Audit dan Surveillance Audit merupakan bagian dari Internal Control yang merupakan program

Division. d. Surprise Audit and Surveillance Audit are parts of the Internal Control which is an Internal Audit program.

SKAI.

482






SISTEM PELAPORAN PELANGGARAN

WHISTLEBLOWING SYSTEM

Berdasarkan Peraturan Bapepam Nomor: KEP-431/BL/2012

Based on Bapepam Regulation Number: KEP-431/BL/2012

tanggal 1 Agustus 2012 perihal penyampaian Laporan

dated August 1, 2012 on the submission of Annual Report of

Tahunan Emiten atau Perusahaan Publik, Perseroan wajib

Issuers or Public Companies, the Company is obliged to report

melaporkan sistem pelaporan pelanggaran yang dimiliki.

the existing whistleblower system. The Company also issues

Perseroan juga telah mengeluarkan kebijakan dan pedoman

policy and guideliens of Whistleblowing on October 20, 2015

Whistle Blowing pada 20 Oktober 2015 melalui SK.027/2015/

through SK.027/2015/PRESDIR_FMD.

PRESDIR_FMD. Program Whistleblowing

Whistleblowing Program

Whistleblowing merupakan salah satu sarana yang efektif

Whistleblowing is one of effective tools to disclose fraud and

dalam membantu mengungkap adanya kejadian fraud dan

other irregularities. Management requires all levels of business

penyimpangan lainnya. Manajemen mengharuskan setiap

unit to consistently conduct a tight and multi-level supervisory,

lini unit bisnis untuk secara konsisten menjalankan fungsi

and to apply a policy which provides channels for complains

pengawasan melekat dan berjenjang, serta menetapkan

as an early warning to improve an internal controlling system.

kebijakan dengan membuka saluran pengaduan yang dapat

The mechanism includes reporting process, following up on

didayagunakan sebagai early warning untuk dapat dilakukan

the report, communication process and protection for the

langkah-langkah penyempurnaan sistem pengendalian

whistleblower.

internal. Hal yang diatur melalui mekanisme ini mencakup proses pelaporan, tindak lanjut atas pelaporan, proses komunikasi dan program perlindungan bagi whistleblower.


483





Pelaporan Whistleblowing

Whistleblowing Report

Pelaporan yang diperoleh dari mekanisme Whistleblower

Report acquired from the Whistleblower mechanism needs

perlu mendapatkan perhatian dan tindak lanjut, termasuk

to obtain attention and follow-up, including the imposition

pengenaan hukuman yang tepat agar dapat memberikan efek

of the right sanctions in order to give deterrence for the

jera bagi pelaku penyimpangan/pelanggaran dan juga bagi

violator/offender and for those having the intention to do

mereka yang terpikir melakukan hal tersebut. Oleh sebab itu,

such a thing. Therefore, every information/report received

setiap informasi/laporan yang diterima dengan lampiran bukti-

with evidence will be handled and followed-up professionally

bukti akan ditangani dan ditindaklanjuti secara profesional,

by assigning Anti Fraud Time to conduct investigation/

dengan menugaskan Tim Anti Fraud untuk melakukan

observation on the validity of the information reported if

investigasi/observasi kebenaran informasi yang dilaporkan

deemed necessary. The reporting can be directly submitted by

tersebut apabila dianggap perlu. Pelaporan dapat disampaikan

the employee through a closed letter, email to specific email

langsung oleh karyawan melalui media surat tertutup, email

([email protected]), SMS or telephone to Complaint

kepada email khusus ([email protected]), SMS atau

Service Number and Submission through Internal Auditor.

telepon ke Nomor Layanan Pengaduan dan Penyampaian melalui Internal Auditor. Perlindungan bagi Pelapor

Whistleblower Protection

Untuk memberikan perlindungan kepada pemberi infomasi/

To protect the whistleblower, management guarantee

pengaduan, manajemen akan menjamin kerahasiaan identitas

the confidentiality of the whistleblower’s identity, so that

pelapor, sehingga karyawan mendapatkan kebebasan untuk

employees are free to report any act of infringements/frauds.

melaporkan adanya tindakan penyimpangan/pelanggaran.

If the report is proven true, the management will provide

484






Manajemen akan memberikan penghargaan kepada karyawan

awards to the employee, who delivers the report on frauds/

yang memberikan pengaduan peyimpangan/pelanggaran,

violations.

apabila pengaduan yang disampaikan terbukti benar. Penanganan Pengaduan

Complaints Handling

Setiap laporan yang disampaikan oleh whistleblower dianalisa

Every report submitted by the whistleblower is analyzed by

oleh Divisi Anti Fraud, dengan berkoordinasi dengan Divisi IT,

Anti Fraud Division, by coordinating with IT Division, HCM

Divisi HCM dan Kantor Cabang. Masing-masing Unit Kerja

Division, and Branch Office. Each Working Unit has duty and

memiliki tugas dan tanggung jawab yang telah diatur secara

responsibility that has been regulated clearly, from the phase

jelas, mulai dari tahapan melakukan deteksi awal sampai

of performing initial detection until the completion of Fraud

dengan penyelesaian atas kasus Fraud ataupun penyimpangan

case or other deviations.

lainnya. Hasil dari Penanganan Pengaduan

Result of Complaints Handling

Hasil dari penanganan pengaduan disampaikan oleh Divisi

Result on the complaints handling were submitted by Fraud

Anti Fraud kepada manajemen yang memuat kesimpulan

Detection, Investigation & Litigation Team (FDILT) to the

dari hasil penanganan, serta rekomendasi perbaikan sistem

management, which contains summary on the handling,

pengendalian internal yang masih dinilai terdapat kelemahan

recommendation to improve the weakness of internal

dan juga rekomendasi pemberian sanksi atas petugas-

controlling system and recommendation of sanction to officers

petugas terkait kelemahan yang ditimbulkan. Penanganan

related to the respective matters. The handling of the reported

dari kasus yang dilaporkan dimaksudkan dalam rangka untuk

case aims to strengthen the internal controlling system,

memperkuat sistem pengendalian internal, serta memotivasi

motivate all parties/employees to avoid activities/transactions

seluruh pihak/karyawan untuk menghindari kegiatan/transaksi

that are prone to bring loss to the company and disturb the

yang dapat berpotensi/berakibat merugikan perusahaan atau

company’s operational.

dapat mengganggu perusahaan beroperasi secara aman. Pilar Investigasi, Pelaporan, dan Sanksi

Investigation, Reporting & Sanction Pillar

Pilar investigasi, pelaporan, dan sanksi merupakan tanggung

Investigation, reporting & sanction pillar is the responsibility

jawab Direktorat Anti Fraud dan bagian dari Sistem

of the Director of Internal Audit and Fraud Control Systems in

Pengendalian Fraud dalam rangka penanganan fraud yang

order to handle fraud that occurs through the investigation

terjadi melalui investigasi dan hasilnya dilaporkan kepada

and the results are reported to Board of Directors , Board

Direktur Utama, Dewan Komisaris, Otoritas Jasa Keuangan

of Commissioners, Financial Services Authority and Bank

dan Bank Indonesia, termasuk usulan pengenaan sanksi bagi

Indonesia, including the proposed sanctions for actor of fraud.

para pelaku fraud. Pilar Pemantauan, Evaluasi, dan Tindak Lanjut

Monitoring, Evaluating & Following-up Pillar

Pilar pemantauan, evaluasi, dan tindak lanjut merupakan

Monitoring, evaluating & following-up pillar is the

tanggung jawab Direktorat Anti Fraud dan bagian dari Sistem

responsibility of the Director of Internal Audit and part of

Pengendalian Fraud dalam rangka monitoring atas tindak

Fraud Control Systems in monitoring follow-up actions on

lanjut hasil investigasi dan evaluasi kejadian fraud untuk

investigation results and evaluation of the fraud to enhance

memperbaiki kelemahan-kelemahan dan memperkuat Sistem

weaknesses and strengthen the Internal Control System, in

Pengendalian Intern, agar dapat mencegah terulangnya

order to prevent the recurrence of frauds because of similar

kembali fraud karena kelemahan yang serupa.

weakness.

Kebijakan strategi anti-fraud Bank Sinarmas merupakan

Anti-fraud policy strategy is a commitment of Sinarmas Bank

wujud komitmen Bank Sinarmas dalam mengendalikan fraud,

Bank Sinarmas in controlling fraud, by giving no tolerance

dengan tidak memberikan toleransi (zero tolerance) pada

(zero tolerance) in any form of fraud, both from internal and

setiap bentuk fraud, baik yang berasal dari internal maupun

external of Bank Sinarmas.

eksternal Bank Sinarmas.


485





Sesuai dengan Surat Edaran Bank Indonesia No. 15/15/

In accordance with Circular Letter of Bank Indonesia No.15/15

DPNP tanggal 29 April 2013 perihal Pelaksanaan Good

DPNP dated April 29, 2013 regarding the implementation of

Corporate Governance bagi Bank Umum, yang dimaksud

Good Corporate Governance for Commercial Bank, internal

dengan internal fraud adalah penyimpangan/kecurangan

fraud relates to any deviation/dishonest behavior committed

yang dilakukan oleh pengurus, pegawai tetap dan tidak

by management, permanent and nonpermanent employees

tetap (honorer dan outsourcing) terkait dengan proses

(contract basis and outsourcing) related to the Bank’s

kerja dan kegiatan operasional Bank yang mempengaruhi

operational process and activities with significant impact to the

kondisi keuangan Bank secara signifikan. Yang dimaksud

Bank’s financial condition. The description of significant impact

dengan mempengaruhi kondisi keuangan Bank secara

to the Bank’s financial condition is when the fraud impact is

signifikan adalah apabila dampak penyimpangan lebih dari

more than Rp100,000,000,- (One hundred million Rupiahs).

Rp100.000.000 (seratus juta Rupiah). Secara umum tindakan

In general, any deviation or dishonest behavior committed

penyimpangan atau kecurangan yang dilakukan oleh pihak

by internal parties of Bank were a violation towards integrity

intenal Bank merupakan pelanggaran terhadap integritas

and authority deviation. As a follow-up to Circular Letter of

serta penyelewengan kewenangan. Menindaklanjuti Surat

Bank Indonesia No.13/28/ DPNP dated December 09, 2011

Edaran Bank Indonesia No.13/28/DPNP tertanggal 9 Desember

regarding the Implementation of Anti-Fraud Strategies for

2011 perihal Penerapan Strategi Anti Fraud bagi Bank Umum,

Commercial Bank, Bank Sinarmas issued anti-fraud policy

maka dikeluarkan kebijakan penerapan strategi anti fraud

through the issuance of Decree No.SK.007/2012/PRESDIR-

melalui Surat Keputusan No.SK.007/2012/PRESDIR-SKAI

SKAI on Anti-Fraud Management Policy dated June 1, 2012. It

tentang Kabijakan Anti-Fraud Management pada 1 Juni 2012.

is a form of commitment of Bank management in controlling

Ini merupakan wujud komitmen manajemen Bank dalam

fraud implemented in the form of fraud control system.

mengendalikan fraud yang diterapkan dalam bentuk sistem pengendalian fraud. Sesuai dengan pelaporan ke Bank Indonesia berdasarkan

In accordance with the report issued to Bank Indonesia based

Laporan Fraud pada 2015, maka jumlah kasus penyimpangan

on Fraud Report 1st Semester and 2nd Semester in 2015, the

internal (internal fraud) dengan kerugian/penyimpangan

total internal fraud cases with loss/deviation above IDR 100

diatas Rp100 juta selama periode 2015 adalah 2(dua) kasus,

million during 2014 was 1 (one) case as described in the table

sebagaimana dijelaskan dalam tabel berikut:

below:

Tabel laporan fraud 2015 dan 2014

Table of report on fraud in 2015 and 2014 Jumlah Kasus yang Dilakukan oleh / Total Cases Committed by

Internal Fraud

Pengurus / Management 2015

2014

Pegawai Tetap / Permanent Employee

Pegawai Tidak Tetap / NonPermanent Employee

2015

2014

2015

2014

2 (dua / two)

Fraud

Nihil / Nil Nihil / Nil

Nihil / Nil

3 (tiga / three)

1 (Satu / One)

Telah terselesaikan / Settled

Nihil / Nil Nihil / Nil Nihil / Nil Nihil / Nil

1 (Satu / One)

1 (Satu / One)

Dalam proses penyelesaian di internal Bank / Under internal settlement process


2 (dua / two)

1 (Satu / One)

Belum diupayakan penyelesaiannya / Pending follow-up actions

Nihil / Nil Nihil / Nil Nihil / Nil Nihil / Nil Nihil / Nil Nihil / Nil

Telah ditindaklanjuti melalui proses hukum / Under litigation process


486

2 (dua / two)

1 (Satu / One)

Nihil / Nil

Nihil / Nil

1 (Satu / One)

Nihil / Nil






AKSES INFORMASI DAN DATA PERUSAHAAN

INFORMATION ACCESS AND CORPORATE DATA

Perusahaan berkomitmen untuk melaksanakan prinsip

The Company is committed to implementing disclosure

keterbukaan, untuk itu Perusahaan selalu menyampaikan

principle. As such, the Company always submits information

informasi tentang Perusahaan melalui website Perusahaan

about the Company through the Company’s website,

www.banksinarmas.com. Perusahaan juga menyampaikan

namely www.banksinarmas.com. The Company also submits

perkembangan Perusahaan mengenai Informasi Material dan

the Company’s development on Material Information and

Keterbukaan Informasi yang Perlu Diketahui Publik secara

Information Disclosure that Needs to be Known by the Public

teratur kepada PT Bursa Efek Indonesia (BEI) dan OJK sesuai

on a periodical basis to PT Bursa Efek Indonesia (BEI) and OJK

dengan peraturan yang berlaku. Selain melalui website Bank

according to the prevailing regulations. Besides through Bank

Sinarmas serta keterbukaan penyampaian informasi kepada

Sinarmas’ website on disclosure of information submission to

otoritas terkait, akses informasi dan data Bank Sinarmas juga

the related authorities, access to information and data of Bank

dapat diperoleh melalui Sekretaris Perusahaan sebagai berikut:

Sinarmas can also be acquired through Corporate Secretary as follows:

1. Customer Care 1500153 dan 021-501 8888

1.Customer Care 1500153 dan 021-501 8888

2. Email: [email protected]

2. Email: [email protected]

3. Media Sosial:

3. Social Media:

Facebook : https://id-id.facebook.com/Bank-

Facebook : https://id-id.facebook.com/Bank-

Sinarmas-307425840619/

Sinarmas-307425840619/

Twitter : @banksinarmas

Twitter

: @banksinarmas

4. Media massa/iklan

4. Mass media/ads

5. Melalui kantor pusat dan kantor cabang Bank Sinarmas

5. Head office and branch office of Bank Sinarmas


487

Laporan Tahunan 2015 PT. BANK SINARMAS Tbk. ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis LAPORAN

Recommend Documents