Pt Bank BNI Syariah
Laporan Tahunan
2014
Annual Report
Upholding the spirit of Hasanah
www.bnisyariah.co.id
Annual Report
T.: +62-21 2966 7946 F.: +62-21 2966 7945
2014
Gedung Tempo Pavilion 1 Jl. HR Rasuna Said Kav. 10-11, Lt. 3-6 Jakarta 12950, Indonesia
Laporan Tahunan
Kantor Pusat BNI Syariah
Upholding
the spirit of Hasanah
Upholding
the spirit of Hasanah Menegakkan Semangat Hasanah
Melalui seluruh fasilitas dan produk BNI Syariah, kami mewujudkan pengabdian sejati yang sesuai kaidah syariah dengan semangat “Hasanah”. Implementasi komitmen tersebut mengantarkan kami pada peningkatan kapabilitas bisnis serta berbagai penghargaan di bidang syariah sebagai prestasi membanggakan di tahun 2014. Kami bertekad untuk terus menegakkan semangat “Hasanah” pada seluruh produk, layanan, fasilitas, aktivitas, hingga perilaku karyawan BNI Syariah dalam rangka mewujudkan bisnis yang tak hanya berkomitmen pada kualitas yang bertumbuh, namun juga membawa kebaikan untuk dunia maupun akhirat.
Through the entire facilities and products of BNI Syariah, we realize the true devotion according to the rules of sharia with the spirit of “Hasanah”. The implementation of that commitment delivers our struggle to the improvement of business capabilities as well as numerous awards in the field of sharia as the encouraging achievements in 2014. We are determined to continue upholding the spirit of “Hasanah” on all products, services, facilities, activities and employees behavior with the aims to realize a business that is not only committed to the growing quality, but also carrying virtue to the world and the hereafter.
Upholding The Spirit of Hasanah
1 2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report
Company Profile
Contents
Management Reports
Daftar Isi
Operational and Business Review
Profil Perusahaan
2014 Performance
Company Profile
40
Ikhtisar Keuangan Financial Highlights
8
Sekilas BNI Syariah BNI Syariah at a Glance
42
Peristiwa Penting Significant Events
10
Kegiatan Usaha dan Produk Business Activities and Products
43
Jaringan dan Wilayah Operasional Network and Operational Area
57
Visi, Misi, dan Tata Nilai Vision, Mission, and Corporate Values
58
Jejak Langkah Milestones
60
Struktur dan Komposisi Pemegang Saham Structure and Composition of Shareholders
62
Struktur Organisasi Organizational Structure
64
Penghargaan dan Sertifikasi Awards and Certifications
66
Laporan Manajemen Management Report Laporan Dewan Pengawas Syariah Sharia Supervisory Board Report
16
Laporan Dewan Komisaris Board of Commissioners Report
20
Laporan Direksi Board of Directors Report
30
Upholding The Spirit of Hasanah
Auxiliary Information
Informasi Perusahaan Company’s Information
Corporate Social Responsibility
6
Good Corporate Governance
Ikhtisar Kinerja Performance Highlights
Management Discussion and Analysis
Kinerja 2014
2 2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report
Tata Kelola Perusahaan yang Baik
Auxiliary Information
Corporate Social Responsibility
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
Company Profile
Management Reports
Tinjauan Usaha dan Operasional
Good Corporate Governance
Operational and Business Review Tinjauan Segmen Usaha Review of Business Segments
72
Latar Belakang Penerapan Tata Kelola Perusahaan yang Baik Good Corporate Governance Implementation Background
180
Sumber Daya Manusia Human Resources
93
Teknologi Informasi Information Technology
Implementasi GCG GCG Implementation
182
107
116
Struktur GCG Structure of GCG
192
Pemasaran Marketing
119
Keberagaman Komposisi Dewan Komisaris dan Direksi Diversity in the Composition of the Board of Commissioners and Directors
288
Pengembangan Operasional Operational Development Manajemen Aktiva Tetap dan Pengadaan Barang dan Jasa Fixed Asset Management and Procurement of Goods and Services
134 Sistem Pengendalian Internal Internal Control System
290
Fungsi Kepatuhan Compliance Function
292
Batas Maksimum Penyaluran Dana Financing Limit
302
Transparansi Kondisi Keuangan dan Non Keuangan Transparency of Financial and Non Financial Condition
303
Pendapatan Dana Non Zakat dan Penggunaannya Proceeds and Realization of Non-Zakat Fund
304
Penerapan APU & PPT Implementation of APU & PPT
306
Kebijakan Buy Back Shares dan Buy Back Obligation Buy Back Shares and Buy Back Obligation Policy
308
Manajemen Risiko Risk Management
309
Perkara Hukum dan Sanksi Administratif Legal Disputes and Administrative Sanction
325
Etika Bisnis dan Etika Kerja Code of Conduct
326
Sistem Pelaporan Pelanggaran Whistleblowing System
334
Keterbukaan Informasi Information Disclosure
339
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis Analisis Makro dan Industri Perbankan Syariah Macro and Sharia Banking Industry Analysis
138
Tinjauan Keuangan Financial Review
149
Strategi Pemasaran dan Fokus Manajemen Marketing Strategy and Management Focus
164
Prospek Usaha Business Prospect
171
Strategi Bisnis Tahun 2015 Business Strategy in 2015
173
Upholding The Spirit of Hasanah
3 2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report
Tanggung Jawab Sosial Perusahaan Landasan Program CSR Foundation of CSR Program
346
Pelaksanaan Program Tanggung Jawab Sosial BNI Syariah Implementation of BNI Syariah Corporate Social Responsibility
347
Pembentukan Yayasan Hasanah Titik Formation of Hasanah Titik Foundation
348
Pilar Program CSR Pillars of CSR Program
349
Sumber Dana Source of Fund
354
Anggaran dan Realisasi Program CSR Budget and Realization of CSR Programs
355
Implementasi CSR Lainnya Other CSR Implementations
356
395
Referensi Kriteria Penilaian ARA 2015
396
Laporan Keuangan
411
Management Reports
Corporate Social Responsibility
Pernyataan Pertanggungjawaban Laporan Tahunan 2014 Responsibility Statement of Annual Report 2014
Company Profile
Reference of Annual Report Award 2015 Criteria
Financial Statements
Operational and Business Review Management Discussion and Analysis
Informasi Tambahan Auxiliary Information
Profil Direksi Board of Directors Profile
366
Profil Dewan Pengawas Syariah Sharia Supervisory Board Profile
372
Pejabat Eksekutif Executive Officer
375
Jaringan Kantor Cabang Branch Offices
378
Jaringan Kantor Cabang Mikro Micro Branches
389
Corporate Social Responsibility
362 Good Corporate Governance
Profil Dewan Komisaris Board of Commissioners Profile
Auxiliary Information
Upholding The Spirit of Hasanah
4 2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report
Auxiliary Information
Corporate Social Responsibility
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
Company Profile
Management Reports
Kinerja 2014 2014 Performance
BNI Syariah kembali menunjukkan kinerja yang kuat di tahun 2014 melalui pertumbuhan yang signifikan dan pencapaian yang melebihi target. BNI Syariah has shown another solid performance in 2014 with a significant growth and achievement beyond target.
Upholding The Spirit of Hasanah
5 2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report Kinerja 2014 2014 Performance
Management Reports
Ikhtisar Keuangan Financial Highlights
8
Peristiwa Penting Significant Events
10
Good Corporate Governance
6
Management Discussion and Analysis
Ikhtisar Kinerja Performance Highlights
Operational and Business Review
2014 Performance
Company Profile
Kinerja 2014
Corporate Social Responsibility Auxiliary Information
Upholding The Spirit of Hasanah
6 2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report Kinerja 2014 2014 Performance
Auxiliary Information
Corporate Social Responsibility
2014
16.246.405
19.492.112
2013
11.422.190
14.708.504
2012
8.947.729
10.645.313
Performance Highlights
2012
2013
2014
(dalam jutaan Rupiah) (in million Rupiah)
Pertumbuhan DPK DPK Growth
2012
2013
2014
1.435.051
Pertumbuhan Aset Assets Growth
1.061.877
42,24%
729.459
32,52%
15.040.920
Dana Pihak Ketiga Third Party Fund
11.242.241
Jumlah Aset Total Assets
7.631.994
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
Company Profile
Management Reports
Ikhtisar Kinerja
2012
2013
2014
(dalam jutaan Rupiah) (in million Rupiah)
(dalam jutaan Rupiah) (in million Rupiah)
(dalam jutaan Rupiah) (in million Rupiah)
Pembiayaan Financing
Pendapatan Operasional Operating Income
33,79%
35,14%
Pertumbuhan Pembiayaan Financing Growth
Pertumbuhan Pendapatan Operasional Operating Income Growth
Upholding The Spirit of Hasanah
7 2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report Kinerja 2014 2014 Performance
Management Reports
38,98%
Operational and Business Review
18,42%
Company Profile
Pertumbuhan Laba Bersih Net Income Growth
CAR
Coverage Ratio
Good Corporate Governance
1,27%
Management Discussion and Analysis
90,87%
ROA
Corporate Social Responsibility
13,98% ROE
85,03%
Auxiliary Information
BOPO (OER) Upholding The Spirit of Hasanah
8 2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report Kinerja 2014 2014 Performance
Management Reports
Ikhtisar Keuangan Financial Highlights Neraca Balance Sheet
Company Profile
Keterangan
(dalam jutaan Rupiah, kecuali dinyatakan lain) (in million Rupiah, unless stated otherwise)
2011
Operational and Business Review Management Discussion and Analysis Good Corporate Governance
2014
DESCRIPTION
8.466.887
10.645.313
14.708.504
19.492.112
Total Assets
Jumlah Aset Produktif
7.826.113
9.769.273
13.647.599
18.367.547
Total Earning Assets
Pembiayaan yang Diberikan
5.310.291
7.631.994
11.242.241
15.040.920
Financing
Penempatan Surat Berharga
482.287
1.119.130
1.995.502
1.884.213
Securities Placement
-
-
-
-
Participation
6.752.263
8.947.729
11.422.190
16.246.405
Third Party Fund
894.565
1.468.456
1.499.694
1.416.085
Current Account
Tabungan
2.612.379
3.776.960
5.005.741
5.957.067
Saving
Deposito
3.245.319
3.702.313
4.916.755
8.873.253
Time Deposit
Jumlah Kewajiban
1.301.983
2.185.658
3.838.672
3.084.547
Total Liabilities
Jumlah Ekuitas
1.076.677
1.187.218
1.304.680
1.950.000
Total Equity
Modal Saham
1.001.000
1.001.000
1.001.000
1.501.500
Stock Capital
Dana Pihak Ketiga Giro
Laba Rugi Income Statement Keterangan
(dalam jutaan Rupiah, kecuali dinyatakan lain) (in million Rupiah, unless stated otherwise)
2011
2012
784.144
936.406
1.333.245
2.026.108
Revenue from Fund Management as Mudharib
(252.413)
(291.056)
(418.332)
(691.444)
Third Parties’ Share on Return of Temporary Syirkah Funds
531.731
645.350
914.913
1.334.664
Bank’s Share in Profit Sharing
61.818
84.109
146.964
100.387
Other Operating Income
593.549
729.459
1.061.877
1.435.051
Income from Operation
Beban Operasional
(388.918)
(673.953)
(878.405)
(1.119.482)
Operating Expenses
(Penyisihan)/pembalikan penyisihan kerugian aset produktif
(108.581)
85.721
8.244
(93.246)
(Provision)/reversal of possible losses on earning assets
Pendapatan/Beban Non Operasional – Bersih
(6.794)
(3.483)
(12.100)
(2.190)
Non-operating Expense – Net
Laba Sebelum Pajak
89.256
137.744
179.616
220.133
Income Before Tax
Laba Bersih
66.354
101.892
117.462
163.251
Net Income
Jumlah Pendapatan Komprehensi
55.707
98.601
117.462
163.251
Total Comprehensive Income
Pendapatan Pengelolaan Dana oleh Bank sebagai Mudharib Hak Pihak Ketiga atas Bagi Hasil Dana Syirkah Temporer Hak Bagi Hasil Milik Bank Pendapatan Usaha Lainnya
Corporate Social Responsibility
2013
Jumlah Aset
Penyertaan
Auxiliary Information
2012
Pendapatan Operasional
2013
Upholding The Spirit of Hasanah
2014
DESCRIPTION
9 2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report Kinerja 2014 2014 Performance
Management Reports
Rasio Keuangan Penting Key Financial Ratios Keterangan
2011
2012
2013
2014
62,77%
76,88%
91,27%
90,87%
Coverage Ratio
Tingkat Pengembalian Aset
1,29%
1,48%
1,37%
1,27%
Return on Assets
Tingkat Pengembalian Ekuitas
6,63%
10,18%
11,73%
13,98%
Return on Equity
Rasio Kecukupan Modal dengan Memperhitungkan Risiko Kredit
20,75%
19,29%
16,54%
18,76%
Capital Adequacy Ratio (CAR) to Credit Risk
Rasio Kecukupan Modal dengan Memperhitungkan Risiko Kredit/Penyaluran Dana dan Risiko Pasar
20,67%
19,07%
16,23%
18,42%
Capital Adequacy Ratio (CAR) to Credit and Market Risk
Aset Tetap Terhadap Modal
8,03%
12,79%
13,46%
10,96%
Fix Assets to Capital
Aset Produktif Bermasalah
2,72%
1,58%
1,53%
1,52%
Non Performing Earning Assets
Pembiayaan Bermasalah Kotor
3,62%
2,02%
1,86%
1,86%
NPF Gross
Pembiayaan Bermasalah Bersih
2,42%
1,42%
1,13%
1,04%
NPF Net
PPA Produktif terhadap Aset Produktif
1,68%
1,33%
1,45%
1,42%
Allowance for Possible Losses on Earning Assets
Pemenuhan PPA Produktif
100,03%
100,46%
101,72%
109,99%
Allowance for Possible Losses
Margin Pendapatan Bersih
8,07%
11,03%
9,51%
9,04%
Net Yield Margin (NYM)
Beban Operasional terhadap Pendapatan Operasional (BOPO)
87,86%
85,39%
83,94%
85,03%
Operating Expenses to Operating Revenues
Rasio Aktiva Lancar terhadap Kewajiban Lancar
291,04%
146,28%
36,07%
21,09%
Quick Ratio
Rasio Liabilitas terhadap Ekuitas
120,93%
184,10%
294,22%
158,18%
Liabilities to Equity
Rasio Liabilitas terhadap Jumlah Aset
15,38%
20,53%
26,10%
15,82%
Liabilities to Total Assets
0,74%
2,56%
9,92%
4,35%
Interbank Liabilities to Deposit
Rasio Deposan Inti terhadap DPK
25,57%
17,70%
23,32%
44,59%
Core Depositors to Deposit Ratio
Rasio Pembiayaan terhadap Dana Pihak Ketiga
78,60%
84,99%
97,86%
92,58%
Financing to Deposits Ratio (FDR)
Coverage Ratio
Company Profile Operational and Business Review Management Discussion and Analysis Good Corporate Governance Corporate Social Responsibility
Antar Bank Passiva (SIMA) terhadap DPK
DESCRIPTION
Auxiliary Information
Upholding The Spirit of Hasanah
10 2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report Kinerja 2014 2014 Performance
Significant Events
24
27
Januari January
Februari February
Mitra Pengelola Zakat membantu korban banjir Jakarta
BNI Syariah menyelenggarakan Konferensi Pers Triwulan I
Zakat Administrator Partner helped Jakarta’s flood victims
BNI Syariah held the Press Conference Quarter I
28
1-9
Februari February
Maret March
Peluncuran Hasanah Titik sebagai Corporate Branding BNI Syariah
Pembukaan Ajang Islamic Book Fair 2014
Auxiliary Information
Corporate Social Responsibility
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
Company Profile
Management Reports
Peristiwa Penting
Opening of Islamic Book Fair 2014
Launching of “Hasanah Titik” Campaign as Corporate Branding of BNI Syariah
4
25
Maret March
Maret March
Penyelenggaraan RUPS Tahunan BNI Syariah untuk tahun buku 2013
BNI Syariah menyelenggarakan Konferensi Pers “Pemindahan Dana Haji dari BNI ke BNI Syariah”
Annual General Meeting of Shareholders of BNI Syariah for the fiscal year 2013
BNI Syariah held the Press Conference “Transferring Hajj Fund from BNI to BNI Syariah”
Upholding The Spirit of Hasanah
11 2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report Kinerja 2014 2014 Performance
Management Reports
30
April April
April April
Penandatanganan Kesepakatan Kerja Sama Program Magister Islamic Economics and Finance BNI Syariah dan Universitas Trisakti
Konferensi Pers MER-C dalam rangka kerja sama penyediaan bantuan alat-alat kesehatan untuk Rumah Sakit Indonesia di Palestina
Signing of Cooperation Agreement on Master Program of Islamic Economics and Finance between BNI Syariah and University of Trisakti
Press Conference held by MER-C on procurement of medical assistance for Indonesian hospital in Palestine
Operational and Business Review
1-4
19
Mei May
Juni June
BNI Syariah ikut serta dalam Expo iB Vaganza di Nagoya Hill, Batam
Milad BNI Syariah yang keempat dengan tema “Fantastic Four”
Management Discussion and Analysis
BNI Syariah participated in iB Vaganza Expo at Nagoya Hill, Batam
4th Anniversary of BNI Syariah carried out the theme of “Fantastic Four”
18
17
Juli July
Agustus August
Buka Puasa Bersama Wartawan – Konferensi Pers Triwulan II
Lomba foto Merdeka Berhasanah dalam rangka memperingati hari kemerdekaan Indonesia Auxiliary Information
Upholding The Spirit of Hasanah
Corporate Social Responsibility
Photography competition “Merdeka Berhasanah” in commemorating the independence day of Indonesia
Good Corporate Governance
Break fasting with Journalists – Press Conference Quarter II
Company Profile
1
12 2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report
25
22
September September
Oktober October
Analyst Meeting dengan BNI
Temu Mutiara Bangsa Berhasanah di Jakarta
Analyst Meeting with BNI
Gathering of Mutiara Bangsa Berhasanah in Jakarta
24
27
Oktober October
Oktober October
Temu Mutiara Bangsa Berhasanah di Surabaya
BNI Syariah menyelenggarakan Konferensi Pers Triwulan III
Gathering of Mutiara Bangsa Berhasanah in Surabaya
BNI Syariah held Press Conference Quarter III
4
9
November November
November November
Penandatanganan Kerja Sama BNI Syariah – Garuda Indonesia
Malam Final Pengukuhan Mutiara Bangsa Berhasanah Final Inauguration of Mutiara Bangsa Berhasanah
Signing of Cooperation Agreement between BNI Syariah – Garuda Indonesia
Auxiliary Information
Corporate Social Responsibility
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
Company Profile
Management Reports
Kinerja 2014 2014 Performance
Upholding The Spirit of Hasanah
13 2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report Kinerja 2014 2014 Performance
Management Reports
11-13
Desember December
Desember December
Peresmian relokasi BNI Syariah Kantor Cabang Batam
BNI Syariah menyelenggarakan Business Meeting 2014 dengan tema “Striving for Quality”
Inauguration of BNI Syariah’s Batam Branch Office relocation
Desember December
Desember December
BNI Syariah menyelenggarakan Kick Off Meeting persiapan penerbitan Sukuk BNI Syariah held Kick Off Meeting discussing preparation of Sukuk issuance
Lomba Penulisan “Andai Ku Tahu Ibu” Writing Competition “Andai Ku Tahu Ibu”
Management Discussion and Analysis
22
19
Operational and Business Review
BNI Syariah held Business Meeting 2014 carrying out the theme of “Striving for Quality”
Company Profile
10
Good Corporate Governance Corporate Social Responsibility Auxiliary Information
Upholding The Spirit of Hasanah
