LaporanPelaksanaan Good Corporate. Governance. PT Bank Mestika Dharma

2012

LaporanPelaksanaan Good Corporate

Governance PT Bank Mestika Dharma

No. Ref

Topik / Topic

Halaman / Page

I.

Ringkasan Eksekutif / Executive Summary

II.

Pendahuluan / Preliminary

III.

Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris dan Direksi / Implementation of Duties and Responsibilities Board of Commissioners and Directors :

4 – 18

Dewan Komisaris / Board of Commissioners Keanggotaan / Membership Tugas dan tanggung jawab Dewan Komisaris / The Board Commissioners’ Duties and Responsibilities Rapat Dewan Komisaris / Meeting of Board Commissioners Komite-Komite / Committees Pelaksanaan tugas dan tanggung jawab Dewan Implementation duties and Komisaris / responsibilities Board of Commissioners Rekomendasi Dewan Komisaris / Recommendation The Board of Commissioners • Dewan Direksi / Board of Commissioners Keanggotaan / Membership Tugas dan tanggung jawab Dewan Direksi / The Board of Directors’ Duties and Responsibilities Rapat Dewan Direksi / Board Of Director Meeting Komite-Komite / Committees Pelaksanaan tugas dan tanggung jawab Dewan Direksi / Implementation of Board of Directors Duties and Responsibilities Kelengkapan dan Pelaksanaan Tugas Komite-Komite dan Satuan Kerja yang Menjalankan Fungsi Pengendalian Intern Bank / Completeness and Implementation of Committees’ Duties and Working Unit Bank Internal Control

4 – 11 4–5 5–8

•

IV

•

Komite Audit / Audit Committee Keanggotaan / Membership Tugas dan tanggung jawab Komite Audit / Duties and Responsibilities of The Audit Committee Rapat Komite Audit / Audit Committee meetings Program kerja dan realisasi Komite Audit / Working Program and Realisation of Audit Committee

1–2 3

9 10 10 – 11

11 12 – 18 12 12 – 15 16 16 – 17 17 – 18

19 – 36

19 – 21 19 20 21 21

•

•

•

•

•

Komite Pemantau Risiko / Risk Monitoring Committee Keanggotaan / Membership Tugas dan tanggung jawab Komite Pemantau Risiko / Duties and Responsibilities of Risk Monitoring Committee Rapat Komite Pemantau Risiko / Risk Monitoring Committee meetings Program kerja dan realisasi Komite Pemantau Risiko / Risk Monitoring Committee Work Program and Realization Komite Remunerasi dan Nominasi / Remuneration and Nomination Committee Keanggotaan / Memberships Tugas dan tanggung jawab Komite Remunerasi dan Nominasi / Duties and Responsibilities of Remuneration and Nomination Committee Rapat Komite Remunerasi dan Nominasi / Remuneration and Nomination Committee meetings Program kerja dan realisasi Komite Remunerasi dan Remuneration and Nomination Nominasi / Committee Work program and Realization Komite ALCO / ALCO Committee Keanggotaan /Membership Tugas dan tanggung jawab Komite ALCO / Duties and Responsibilities of ALCO Committee Rapat Komite ALCO / Alco Committee Meetings Program kerja dan realisasi Komite ALCO / Work program and the realization of the ALCO Committee Komite Manajemen Risiko / Risk Management Committee Keanggotaan / Membership Tugas dan tanggung jawab Komite Manajemen Risiko /Duties and Resposibilities of Risk Management Committee Rapat Komite Manajemen Risiko /Risk Management Committe Meetings Program kerja dan realisasi Komite Manajemen Risiko / Risk Management Committee Work program and the realization Komite Pengarah Teknologi Informasi / Information Technology Steering Committee Keanggotaan / Membership Tugas dan tanggung jawab Komite Pengarah TI / Duties and Responsibilities of Information

21 – 24 22 23

24 24

24 – 27 24 – 25 25 – 26

26 27

27 – 29 27 28 28 29 29-30 29 30

30 30

31 – 33 31 32

V

VI

VII

VIII

Technology Steering Committee Rapat Komite Pengarah TI / Information Technology Steering Committee meeting Program kerja dan realisasi Komite Pengarah TI / IT Steering Committee Work program and Realization • Komite Kebijakan Perkreditan / Credit Policy Committee Keanggotaan / Membership Tugas dan tanggung jawab Komite Kebijakan Perkreditan / Duties and Responsibilities of Credit Policy Committee Rapat Komite Kebijakan Perkreditan / Credit Policy Committee Meeting Program kerja dan realisasi Komite Kebijakan Perkreditan / Credit Policy Committee Work program and the realization Penerapan Fungsi Kepatuhan, Audit Intern dan Audit Ekstern / Implementation of Compliance, Internal Audit and External Audit • Fungsi Kepatuhan / Compliance function • Fungsi Audit Intern / Internal Audit Function • Fungsi Audit Ekstern / External Audit Function Penerapan Manajemen Risiko termasuk Sistem Pengendalian Intern / Application of Risk Management including the Internal Control System • Pengawasan Aktif Dewan Komisaris dan Direksi / Active supervision by the Board of Commissioners and Board of Directors • Kebijakan, Prosedur dan Penetapan Limit / Adequacy of Policies, Procedures and Limit Setting • Proses Identifikasi, Pengukuran dan Pemantauan Risiko / Process of Identification, Measurement, Monitoring and Control of Risks • Kualitas Penerapan Manajemen Risiko / Quality of Risk Management Implementation Penyediaan dana kepada pihak terkait (related party) dan penyediaan dana besar (large exposure) / Provision of Funds to Related Parties (related party) and large exposures (large exposure) Rencana Strategis Bank / Bank's Strategic Plan • Rencana Korporasi (rencana jangka panjang) / Corporate Plan (long term plan) • Rencana Jangka Menengah dan Pendek (Business Plan) / Short and Medium Term Plan (Business Plan)

32 33

33 – 34 34 – 35

35 36

36 – 41

36 – 38 39 – 41 41 42 – 46

42 – 43

43

43 – 45

45 – 46 47

48 – 49 48 49

IX

Transparansi kondisi keuangan & non keuangan yang belum diungkap dalam laporan lainnya / Transparency of Financial & Non Financial Statements Not Revealed in Other

50 – 59

Kepemilikan saham anggota Dewan Komisaris dan Dewan Direksi yang mencapai 5% atau lebih dari modal disetor / Ownership share up to 5% or more of the paid-up capital of Board of Commissioners and Board of Directors • Hubungan keuangan dan hubungan keluarga anggota Dewan Komisaris dan Direksi dengan anggota Dewan Komisaris lainnya, Direksi lainnya dan/atau Pemegang Saham Pengendali Bank / Financial Relationships and Family Relationships Members of the Board of Commissioners and Directors with the Other member of Board and / or Controlling Shareholders of the Bank • Paket/kebijakan remunerasi dan fasilitas lain bagi Dewan Komisaris dan Direksi / Remuneration Policy and Other Facilities for the Board of Commissioners and Board of Directors • Shares Option • Rasio gaji tertinggi dan terendah (per bulan) / Ratio of Highest and Lowest Salary (monthly) • Jumlah Penyimpangan (internal fraud) yang terjadi dan upaya penyelesaian oleh Bank / Number of misappropriation (Internal Fraud) • Permasalahan Hukum / Legal Issues • Transaksi yang mengandung benturan kepentingan / Conflict of Interest Transactions • Buy Back Shares dan/atau Buy Back Obligasi Bank / Buy Back Shares and / or the Bank's Buy Back Bonds • Pemberian dana untuk kegiatan sosial / Corporate Social Responsibility Kesimpulan / Conclusion

50 – 51

•

X

52 – 53

53 – 55

56 57 57

58 59

59 59 60 – 61

I. Ringkasan Eksekutif / Executive Summary Hasil Self Assessment terhadap tata kelola Bank Mestika

Bank Mestika has performed GCG self assessment for

untuk tahun 2012 menunjukkan nilai 2.950 yang berarti tata

this year, resulted composit rating on 2.950, or the

kelola Bank berada pada kategori “Cukup Baik”. Hal ini

category of “Fairly Good”. The predicate is better

menunjukkan Bank telah melakukan perbaikan-perbaikan

comparing with last year, and shows Bank governance

yang berdampak positif dalam seluruh aktifitas operasional

has made positive impact and progress on operational and

dan fungsional Bank. Pelaksanaan tugas dan tanggung jawab

functional

Dewan

2012

responsibilities of the Top and Senior Management in 2012

menunjukkan kinerja yang baik dengan menetapkan

has set a good balance in decision-making for business,

keputusan-keputusan yang bersifat strategis bagi Bank dan

banking strategy and management governance. Corporate

pembahasan-pembahasan dalam rapat mengenai kinerja

Governance also has become one of the main agenda in

Bank. Good Corporate Governance merupakan salah satu

every meeting of the Senior Management. Meetings

agenda utama dalam setiap Rapat Dewan Komisaris.

conducted during the year2012, namely:

Komisaris

dan

Direksi

pada

tahun

Adapun rapat-rapat yang dilakukan selama tahun 2012,

•

yakni:

Execution

of

duties

and

Meetings of the Board of Commissioners: 4 (four) times,

• Rapat Dewan Komisaris dilakukan sebanyak 4 (empat)

•

kali,

Meetings of the Board of Directors: 13 (thirteen) times,

• Rapat Dewan Direksi dilakukan sebanyak 13 (tiga belas) kali, • Rapat Gabungan Dewan Komisaris dan Direksi dilakukan sebanyak 5 (lima) kali,

•

Joint Meetings of the Board: 5 (five) times,

•

Meetings of the Audit Committee:5 (five) times,

•

Risk Monitoring Committee Meetings: 10 (ten) times,

•

Remuneration and Nomination Committee meetings :

• Rapat Komite Audit dilakukan sebanyak 5 (lima) kali, • Rapat Komite Pemantau Risiko dilakukan sebanyak 10

4 (four) times, •

(sepuluh) kali,

sebanyak 4 (empat) kali, • Rapat Komite Manajemen Risiko dilakukan sebanyak 5

•

ALCO Committee Meetings: 11 (eleven) times,

•

IT Steering Committee meetings: 2 (two) times,

•

Credit Policy Committee Meetings: three (3) times.

(lima) kali, • Rapat Komite ALCO dilakukan sebanyak 11 (sebelas) kali, • Rapat Komite Pengarah TI dilakukan sebanyak 2 (dua) kali, Komite

Risk Management Committee Meetings: 5 (five) times,

• Rapat Komite Remunerasi dan Nominasi dilakukan

• Rapat

activities.

Kebijakan

Perkreditan

dilakukan

sebanyak 3 (tiga) kali,

1

Sepanjang tahun 2012 Peranan Fungsi Audit Intern

Throughout the year 2012 Internal Auditor Division has

menunjukkan kinerja yang baik dengan melakukan sistem

showed a good and reliable internal control system of

pengendalian

aktifitas

operational and functional activities of the Bank. Internal

operasional dan fungsional Bank. Pada tahun 2012

Audit Charter as a guide to auditors in performing and

dilakukan

executing their responsibilities has been amended in this

intern

yang

penyempurnaan

handal

terhadap

dalam

Internal

Audit

Charter yang digunakan sebagai pedoman oleh auditor

2012.

dalam melakukan fungsinya.

The consistency of Bank commitment to implement zero

Pada tahun 2012 ini tidak terjadi tindakan fraud yang

tolerance towards fraud within its organization has given

dilakukan oleh pihak internal. Hal ini sesuai dengan

a good result,in which during the year 2012, there‘s not

komitmen Bank yang menerapkan zero tolerance terhadap

any fraud events committed by internal parties.

fraud dalam setiap jajaran organisasinya.

2

II. Pendahuluan / Preliminary Tata kelola yang baik merupakan salah satu elemen yang

Good governance is one of the important elements to

penting bagi Bank Mestika (selanjutnya disebut “Bank”)

Mestika Bank (hereinafter called the "Bank") in our

di dalam mempertahankan keberlanjutan pertumbuhan

efforts to grow sustainable and achieving Bank vision and

dalam mewujudkan visi dan misi Bank secara wajar dan

mission, also to promote national economic growth.

mendorong pertumbuhan ekonomi nasional. Facing an increasingly banking competition today, good Dalam menghadapi persaingan perbankan yang semakin

governance is believed to become fundamental foundation

kompetitif dewasa ini tata kelola yang baik diyakini

which can assist the Bank in maintaining and improving

sebagai landasan kuat yang dapat menjaga Bank dalam

business activities and services to meet customers' needs

mempertahankan dan mengembangkan kinerja usaha

with regard to the principle of prudence and sound

dalam meningkatkan aktifitas bisnis dan layanan untuk

banking practices.

memenuhi

Implementation of Good Corporate Governance in Bank

kebutuhan

memperhatikan

prinsip

nasabah kehati-hatian

dengan dan

tetap praktik

perbankan yang sehat. Penerapan

Good

refers to Indonesia

8/4/PBI/2006

and

its

berlandaskan pada 5 (lima) prinsip dasar yang diatur

of Good Corporate Governance (GCG) for Commercial

dalam Peraturan Bank Indonesia No. 8/4/PBI/2006 beserta

Banks. The five basic principles include:

PBI

tentang

•

Transparency

Pelaksanaan Good Corporate Governance (GCG) bagi

•

Accountability

Bank Umum. Adapun kelima prinsip dasar tersebut

•

Responsibility

meliputi:

•

Independency

•

Fairness

•

Keterbukaan

•

Akuntabilitas

•

Pertanggungjawaban

•

Independensi

•

Kewajaran

8/14/PBI/2006

di

PBI

amendment PBI 8/14/PBI/2006 regarding Implementation

yakni

Governance

Regulation

Bank

perubahannya

Corporate

5 (five) basic principles stipulated in Bank

3

III. Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris dan Direksi / Implementation of Duties and Responsibilities Board of Commissioners and Directors Dewan Komisaris

Board of Commissioners

Keanggotaan

Membership Dewan

Composition, competency, and independency of our

Komisaris Bank tahun 2012 telah sesuai dengan Peraturan

Board of Commissioners in 2012 has comply with Bank

Bank Indonesia No.8/4/PBI/2006 tentang Pelaksanaan

Indonesia

GCG Bagi Bank Umum sebagaimana telah diubah

Implementation of GCG at Public Bank and its

menjadi PBI No.8/14/PBI/2006, baik menyangkut jumlah,

amendment PBI No.8/14/PBI/2006. The Evaluation

komposisi, kriteria dan independensi Dewan Komisaris

includes in total members, qualification and independency

dan dinilai sangat sesuai dengan ukuran dan kompleksitas

composition of the Board comparing with the size and

Bank.

banking activities complexity.

Komposisi Dewan Komisaris Bank terdiri dari 4 (empat)

Board

orang yaitu 1 (satu) orang Presiden Komisaris, 2 (dua)

(four)members,with a position of Chairman of Board of

orang Komisaris

orang

Commissioners,

2

Komisaris. Seluruh anggota Dewan Komisaris Bank

Commissioners

and

berdomisili di Indonesia. Kompetensi dari anggota Dewan

Commissioners. Entire members of Board domiciled in

Komisaris Bank telah sesuai dengan ketentuan yang

Indonesia. Members competency has been consistently

berlaku. Semua anggota Dewan Komisaris Bank telah

comply with governing regulations. Entire members of

lulus dalam Penilaian Kemampuan dan Kepatutan (Fit and

Board of Commissioners have passed Fit and Proper Test

Proper Test) sesuai dengan ketentuan Bank Indonesia

in compliance with Bank Indonesia Fit and Proper Test

tentang Penilaian Kemampuan dan Kepatutan (Fit and

regulation.

Komposisi,

kompetensi

dan

Independen

independensi

dan 1

(satu)

Proper Test). Bapak Indra Halim selaku Komisaris Bank Mestika juga menjabat sebagai Direktur Utama di PT Mestika Benua Mas yang merupakan induk perusahaan dari Bank Mestika. Mayoritas Dewan Komisaris

Bank tidak

memiliki hubungan keluarga sampai dengan derajat kedua dengan sesama anggota Dewan Komisaris dan Dewan Direksi. Dengan demikian Dewan Komisaris Bank senantiasa melaksanakan tugas dan tanggung jawabnya

Regulation

of

No.

8/4/PBI/2006

Commissioners

consisted

positions 1

regarding

position

of

of

4

Independent of

Dependent

Mr. Indra Halim, Bank Mestika Commissioner also served as Managing Director at PT Mestika Benua Mas which is the parent company of Bank Mestika. Most of Board of Commissioners member do not have family relation with other Board of Commissioners member and Board of Directors, to ensure the independency of decision-making process and action taken in improving governance quality in every business-line activities.

secara independen sehingga dapat meningkatkan kualitas pelaksanaan GCG dalam setiap kegiatan usaha Bank.

4

No

Jabatan / Position

Nama / Name

1.

Presiden Komisaris / Chairman

Witarsa Oemar

2.

Komisaris / Commissioners

Indra Halim

3.

Komisaris Independen / Commissioners

Katio

4.

Komisaris Independen / Commissioners

Boing Sudrajat

Tabel.1. Keanggotaan Dewan Komisaris Bank / Bank Board Membership

Tugas dan Tanggung Jawab Dewan Komisaris

The Board Commissioners’ Duties and Responsibilities

Dewan Komisaris bertugas melakukan pengawasan dan

Board of Commissioners is in charge of supervising and

memberikan

Direksi, terkait dengan

providing advices to the Directors,related to the duties

pelaksanaan tugas dan tanggung jawab Direksi dalam

and responsibilities of the Board of Directors in managing

mengelola Bank. Tugas dan tanggung jawab Dewan

the Bank. Duties and responsibilities of the Board of

Komisaris diatur dalam Surat Keputusan Internal Bank no.

Commissioners is enact in the Internal Bank Decree no.

12/SK-BMD/2011 tentang Pedoman dan Tata Tertib Kerja

12/SK-BMD/2011 regarding to Board of Commissioners

Dewan Komisaris.

Guidance.

Umum

General

Dewan Komisaris bertanggung jawab kepada Pemegang

The Board of Commissioners answer to the shareholders.

Saham.

bertugas

In general, the Board of Commissioners held the

meningkatkan kinerja Bank, melindungi kepentingan

responsibility of improving the performance of the Bank,

Stakeholders, meningkatkan kepatuhan terhadap peraturan

protect the interests

perundang-undangan serta nilai-nilai etika yang berlaku

observance to prevailing laws, regulations, and ethical

umum.

values that are commonly used.

saran

Secara

kepada

umum

Dewan

Komisaris

5

of

stakeholders,performs due

Berdasarkan Anggaran Dasar Perseroan

On the basis of the Bank articles of association

• Dewan Komisaris dalam rangka pengawasan dan

•

In executing their duties to due observance and give

pemberian nasihat kepada Direksi, setiap waktu dalam

recommendations to the board of directors, the

jam kerja kantor Perseroan berhak memasuki bangunan

Board of Commissioners has the right any time

dan halaman atau tempat lain yang dipergunakan atau

during office hours to enter the office building and

yang dikuasai oleh Perseroan dan berhak memeriksa

yard or another premis which is used or controlled

semua pembukuan, surat dan alat bukti lainnya,

by the company, and has the right to examine the

memeriksa dan mencocokkan keadaan uang kas dan

book keeping. Letters and other evidence and other

lain-lain serta berhak untuk mengetahui segala tindakan

matters, and be well-informed of all actions taken

yang telah dijalankan oleh Direksi,

by the Board of Directors,

• Dalam menjalankan tugas Dewan Komisaris berhak

•

In carrying out their duties the Board of

memperoleh penjelasan dari Direksi atau setiap anggota

Commissioners has the right to request explanation

Direksi tentang hal yang diperlukan oleh Dewan

from the Board of Directors or its members

Komisaris,

concerning any matters required by commissioners,

• Dewan Komisaris diwajibkan mengurus Perseroan

•

The Board of Commissioners is obliged to manage

untuk sementara dalam hal seluruh anggota Direksi

companies affairs in the event that all members of

diberhentikan untuk sementara atau Perseroan tidak

the board of directors are terminated temporarily or

memiliki seorangpun anggota Direksi dalam hal

the company does not have any directors at all.

demikian, Dewan Komisaris berhak untuk memberikan

Under

kekuasaan sementara kepada seorang atau lebih diantara

Commissioners is entitled to give temporary power

anggota Dewan Komisaris atas tanggungan Dewan

to one or more commissioners on behalf of the

Komisaris,

Board of Commissioners.

• Dalam hal hanya ada seorang anggota Dewan

•

this

circumstance,

the

Board

of

In case of there is only one member of Board of

Komisaris, maka segala tugas dan wewenang yang

Commissioners, all duty and authority given to

diberikan kepada Presiden Komisaris atau anggota

Chairman of The Board of Commissioners or its

Dewan Komisaris dalam Anggaran Dasar ini berlaku

member as stated in the Articles of Association, is

pula baginya,

applied to that member as well.

• Tindakan Direksi yang memerlukan persetujuan dari

•

Director’s action in which required the Board of Commissioners approval are as follows:

Dewan Komisaris:

Establish a new business or participate in other

Mendirikan usaha baru atau turut serta pada

companies both inside and outside the country,

perusahaan lain baik di dalam maupun di luar negri,

Purchasing/selling

Membeli/menjual/mengalihkan hak barang tidak

or

transferring

the

bergerak (harta tetap) dan perusahaan-perusahaan,

ownership of fixed assets of the Bank,

menjaminkan/mengagunkan atau memberati harta

mortgaging company assets as guarantor

kekayaan perseroan, mengikat perseroan sebagai

amounting 5 billion rupiah or more and below

penjamin senilai Rp.5.000.000.000,- (lima miliar

than 50% of company assets.

rupiah) atau lebih dan tidak melebihi dari 50% aset perseroan. 6

Berdasarkan Peraturan Bank Indonesia

Based on Bank Indonesia’s Regulation

• Berdasarkan PBI No.5/8/PBI/2003 sebagaimana telah

• Based on PBI No. No.5/8/PBI/2003 as amended by

diubah menjadi PBI No.11/25/PBI/2009 (pasal 6).

PBI No. PBI No.11/25/PBI/2009 (article 6).

Pengawasan aktif Dewan Komisaris dalam Penerapan

Active Supervisory of Board Of Commissioners

Manajemen Risiko, yakni:

implementation of Risk Management are as follows:

Menyetujui

dan

mengevaluasi

Approve and evaluate Risk Management Policies

Kebijakan

Evaluate

Manajemen Risiko, Mengevaluasi pertanggungjawaban Direksi atas dan

memutuskan

accountability

on

risk

management policy implementation. Evaluate and decide on Director Request in

pelaksanaan Kebijakan Manajemen Risiko, Mengevaluasi

Directors

permohonan

respect

Direksi yang berkaitan dengan transaksi yang

of

transaction

that

require

commissioners approval.

memerlukan persetujuan Dewan Komisaris.

• Based on PBI No.8/4/PBI/2006 and its amendement

• Berdasarkan PBI No.8/4/PBI/2006 serta perubahannya

PBI .8/14/PBI/2006 on GCG implementation by

PBI No.8/14/PBI/2006 tentang Pelaksanaan GCG bagi

private bank:

Bank Umum, yakni:

The Board of Commissioners is obliged to

Dewan

Komisaris

terselenggaranya

wajib

pelaksanaan

memastikan

ensure the implementation of Good Corporate

Corporate

Governance in each activity of the Bank on all

Good

Governance dalam setiap kegiatan usaha Bank pada

level or position in the organization. Board of Commissioners is obliged to conduct

seluruh tingkatan atau jenjang organisasi, Dewan Komisaris wajib melaksanakan pengawasan

monitoring on implementation of Duties and

terhadap pelaksanaan tugas dan tanggung jawab

Responsibilities of Directors, as well as giving

Direksi, serta memberikan nasihat kepada Direksi,

advisory to Directors.

Dalam

melakukan

pengawasan

In conducting supervision referred to in article

sebagaimana

dimaksud pada pasal 9 ayat 2, Komisaris wajib

9, paragraph 2,

mengarahkan,

monitor and evaluate the implementation of the

memantau,

dan

mengevaluasi

pelaksanaan kebijakan strategis Bank,

strategic policies of the Bank.

Dewan Komisaris wajib memastikan bahwa Direksi telah

menindaklanjuti

temuan

Commissioners shall direct,

audit

Board of Commissionners is obliged to ensure

dan

that Board of Directors have followed up audit

rekomendasi dari Satuan Kerja Audit Intern Bank,

findings

Auditor

External Auditor, supervisory and monitoring

Eksternal,

hasil

pengawasan

Bank

Indonesia dan/atau hasil pengawasan otoritas lain,

and recommendation

from SKAI,

results of of Bank Indonesia, and or monitoring action taken from other findings of authorized third parties,

7

Mengajukan calon akuntan publik kepada Rapat

Recommend candidate of Public Accountant to

Umum Pemegang Saham,

General Meeting of Shareholders.

Dewan Komisaris wajib memberitahukan kepada

Board of Commissioners is obliged to inform

Bank Indonesia Paling lambat 7 (tujuh) hari kerja

Bank Indonesia at the latest of 7 days after the

sejak ditemukannya:

finding of:

Pelanggaran peraturan perundang-undangan

Violation

of

Financial

and

banking

regulations.

di bidang keuangan dan perbankan,

Keadaan atau perkiraan keadaan yang dapat

Condition or estimation that may put Bank business continuity in risk.

membahayakan kelangsungan usaha Bank. In

Dalam melakukan pengawasan Dewan Komisaris

executing

supervisory

duties,

Board

of

dilarang terlibat dalam pengambilan keputusan

Commissioners are prohibited to be involved in

kegiatan operasional Bank, kecuali:

giving decision on banking operational activities

Penyediaan dana kepada pihak terkait

except as follows:

sebagaimana diatur dalam ketentuan Bank

Fund provision to related parties based on

Maksimum

Bank Indonesia regulation regarding Legal

Pemberian Kredit. (Dalam hal ini Dewan

Lending Limit. (In line with the obligation of

Komisaris

supervising

Indonesia

tentang

berperan

Batas

aktif

dalam

fund provision to related

parties).

mengendalikan penyediaan dana kepada

pihak terkait), Hal-hal yang ditetapkan dalam Anggaran

Subject matters which is stipulated in Articles of Association or governing regulations.

Dasar Bank atau peraturan yang berlaku.

8

Rapat Dewan Komisaris / Board of Commissioner Meeting

Rapat / Meeting Dewan Komisaris / Board of Commissioners Komite Audit / Audit Committee Komite Pemantau Risiko / Risk Oversight Committee Komite Remunerasi & Nominasi / Remuneration and Nomination Committee Rapat Gabungan / Joint meeting Total Kehadiran / Total attendance

Witarsa Oemar

Indra Halim

Katio

Boing Sudrajat

4

4

4

4

-

-

5

-

-

-

-

4

-

4

4

-

3

4

4

4

7

12

15

12

Tabel 2. Frekwensi dan Jenis Rapat yang dihadiri anggota Dewan Komisaris / Frequency and type of meeting, which was attended by Commissioners

9

Komite-Komite / Committees

Komite Audit / Audit Committee Komite Audit membantu Dewan Komisaris dalam memberikan rekomendasi dalam rangka mendukung efektivitas pelaksanaan tugas dan tanggung jawab Dewan Komisaris khususnya di bidang audit. / The Audit Committee assists the Board of Commissioners to make recommendations in order to support the effective implementation of the duties and responsibilities of the Board of Commissioners in particular in the field of auditing.

Komite Pemantau Risiko / Risk Oversight Committee

Dewan Komisaris / Board of Commissioners

Komite Pemantau Risiko membantu Dewan Komisaris dalam memberikan rekomendasi dalam rangka mendukung efektivitas pelaksanaan tugas dan tanggung jawab Dewan Komisaris khususnya di bidang Manajemen Risiko. / Risk Oversight Committee assists the Board of Commissioners in providing recommendations to support the effectiveness of the duties and responsibilities of the Board of Commissioners in particular in the field of Risk Management.

Komite Remunerasi dan Nominasi / Remuneration and Nomination Committee Komite Remunerasi dan Nominasi membantu Dewan Komisaris dalam melakukan evaluasi terhadap kebijakan remunerasi dan menyusun serta memberikan rekomendasi mengenai sistem serta prosedur pemilihan dan/atau penggantian anggota Dewan Komisaris dan Direksi untuk disampaikan pada Rapat Umum Pemegang Saham. / Remuneration and Nomination Committee assists the Board of Commissioners in the evaluation of the remuneration policy and develop and provide recommendations on the systems and procedures and / or replacement of members of the Board of Commissioners and Board of Directors to be submitted to the General Meeting of Shareholders Shareholders.

Pelaksanaan

tugas

dan

tanggung

jawab

Dewan

Komisaris

Implementation duties and responsibilities Board of

Dewan Komisaris senantiasa melakukan pengawasan

Commissioners

terhadap aktifitas operasional dan fungsional Bank baik

Board

yang memiliki dampak minimalis sampai dengan yang

supervisory on Bank operational and functional

signifikan terhadap kelangsungan usaha Bank.

activities,, either to low and/or high risk exposure .

Pengawasan Dewan Komisaris mencakup implementasi

Supervisory of the Board of Commissioners includes the

Good Corporate Governance (GCG) pada Bank dengan

implementation of Good Corporate Governance (GCG)

melakukan evaluasi dalam setiap Rapat Dewan Komisaris

at the Bank with an evaluation in each meeting of the

dan Rapat Gabungan dengan Dewan Direksi.

Board of Commissioners and Joint Meeting with the

of

Commissioners

Board of Directors.

10

shall

apply

continuos

Komite-komite yang membantu Dewan Komisaris, seperti

Committees that assist the Board of Commissioners,

Komite Audit, Komite Pemantau Risiko dan Komite

as the Audit Committee, Risk Oversight Committee

Remunerasi dan Nominasi dinilai aktif dan telah

and Remuneration and Nomination Committee has

melaksanakan fungsi-fungsinya dengan baik. Pada tahun

been assessed active carried out its functions

2012 ini, Dewan komisaris memberikan arahan kepada

properly. In 2012, the Board issued instructions to

semua komite-komite, yakni:

all committees, namely: • All tasks are listed in the guidelines and the

• Semua tugas yang tercantum dalam pedoman dan Tata

Charter of each Committee must be satisfied,

Tertib Kerja masing-masing Komite harus dipenuhi,

• The fulfillment of the Committee's tasks are more

• Pemenuhan tugas Komite yang lebih mendalam

profound than in 2011,

dibanding tahun 2011, • Komite

Remunerasi

dan

Nominasi

• Remuneration and Nomination Committee to pay

agar

attention to BI development, such as mutation and

memperhatikan pembinaan BI, seperti Mutasi dan

Rotation.

Rotasi.

In addition, the Board also evaluated the internal

Selain itu, Dewan Komisaris juga melakukan evaluasi

audit

terhadap fungsi audit intern, fungsi kepatuhan, manajemen

function,

compliance

function,

risk

management, actions of the Board of Directors that

risiko, tindakan Direksi yang memerlukan persetujuan

requires

dari Dewan Komisaris, dan hal-hal lainnya yang

the

approval

of

the

Board

of

Commissioners, and other matters concerning the

menyangkut rencana dan kinerja Bank.

business plan and performance of the Bank.

Rekomendasi Dewan Komisaris

Recommendation The Board of Commissioners

Dewan Komisaris senantiasa memberikan saran-saran

Board of Commissioners continuosly provide advice

kepada Direksi dan jajaran terkait sebagai bagian dari

and recommendation to the Board of Directors and

perbaikan-perbaikan terhadap aktifitas operasional dan

related officers as part of effort to improve the

fungsional Bank untuk pelaksanaan yang lebih baik

operational and functional activities of the Bank.

kedepannya.

11

Dewan Direksi

Board Of Director

Keanggotaan

Memberships

Komposisi, kompetensi dan independensi Dewan Direksi

Composition, competency and independency of the

Bank tahun 2012 telah sesuai dengan Peraturan Bank

Board of Directors of the Bank in 2012 in accordance

Indonesia No.8/4/PBI/2006 tentang Pelaksanaan GCG

with Bank Indonesia Regulation on the Implementation

Bagi Bank Umum sebagaimana telah diubah menjadi PBI

of GCG No. 8/4/PBI/2006 Commercial Banks as

No.8/14/PBI/2006, baik menyangkut jumlah, komposisi,

amended into PBI No.8/14/PBI/2006, both regarding

kriteria dan independensi Dewan Direksi dan dinilai telah

the amount, composition, criteria and independency of

sesuai dengan ukuran dan kompleksitas Bank.

the Board of Directors and assessed in accordance

Dewan Direksi Bank terdiri dari 5 (lima) orang yaitu 1

with

(satu) orang Presiden Direktur, 1 (satu) orang Wakil

Board of Directors has 5 (five) members, comprising 1

Presiden Direktur, 1 (satu) orang Direktur Operasional, 1

(one) President Director, 1 (one) Vice President

(satu) orang Direktur Umum dan 1 (satu) orang Direktur

Director, 2 (two) Directors and 1 (one) Director of

Kepatuhan. Seluruh anggota Dewan Direksi Bank

Compliance. All members of the Board of Directors

berdomisili di Indonesia. Presiden Direktur Bank berasal

domiciled in Indonesia. The President Director is an

dari pihak yang independen terhadap pemegang saham

independent party to the controlling shareholders.

pengendali.

Members of the Board of Directors has taken Fit and

Semua anggota Dewan Direksi Bank telah lulus dalam

Proper Test in accordance with Bank Indonesia on Fit

Penilaian Kemampuan dan Kepatutan (Fit and Proper

and Proper Test Regulation.

the

size

and

complexity

of

the

Bank.

Test) sesuai dengan ketentuan Bank Indonesia tentang Penilaian Kemampuan dan Kepatutan (Fit and Proper Test). No

Jabatan / Position

Nama / Name

1.

Presiden Direktur / President Director

Achmad S. Kartasasmita

2.

Wakil Presiden Direktur / Vice President Director

Hendra Halim

3.

Direktur Operasional / Operational Director

Leo Setia

4.

Direktur Umum / General Affairs Director

Yusri Hadi

5

Direktur Kepatuhan / Compliance Director

Andy

Tabel 3. Keanggotaan Dewan Direksi Bank / Membership of The Board of Bank Directors

Tugas dan Tanggung Jawab Dewan Direksi

The Board of Directors’ Duties and Responsibilities

Umum

General

Dewan Direksi bertanggung jawab penuh atas pengurusan

The Board of Directors is fully responsible for the

Perseroan untuk kepentingan dan tujuan Perseroan serta

management of the Company for the purposes and

mewakili Perseroan baik di dalam maupun di luar

objectives of the Company and to represent the

pengadilan.

Company both in and out of court.

12

Berdasarkan Anggaran Dasar Perseroan

Based on the companies articles of association.

• Direksi bertanggung jawab penuh dalam melaksanakan

• The Board of Directors has the right to represent

tugasnya untuk kepentingan perseroan dalam mencapai

the company at the court of law and outside of it,

maksud dan tujuannya,

associates with other parties and other parties with the company.

• Setiap anggota Direksi wajib dengan itikad baik dan penuh tanggungjawab menjalankan tugasnya dengan

• Each Board of Directors’ member must have a

mengindahkan peraturan perundang-undangan yang

good will to do his duty and obey current

berlaku,

regulations.

• Direksi berhak mewakili perseroan di dalam dan di luar

• Board of Directors is acting on behalf of company

pengadilan tentang segala hal dalam segala kejadian,

on inside and outside the court in every occasion

mengikat perseroan dengan pihak lain dan pihak lain

and case related to company and other parties as

dengan perseroan, serta menjalankan segala tindakan,

well as taking care of action regarding ownership

baik

maupun

and management, however for these following

kepemilikan, akan tetapi dengan pembatasan dan

cases, it is still necessary to have written

memerlukan persetujuan tertulis dari Dewan Komisaris

authorization from Board of Commissioners:

untuk:

Establish a new company or join into other

yang

mengenai

kepengurusan


company either in the country or abroad,

perusahaan lain baik di dalam maupun di luar negeri,

Purchase and Sell or transfer fixed assets’ right

Membeli / menjual / mengalihkan hak barang tidak

or company guarantee, foreclose company’s

bergerak ( harta tetap ) dan perusahaan-perusahaan,

property as guarantee which value minimum

menjaminkan/ mengagunkan atau memberati harta

Rp5 000 000 000 (five billion) or higher, but

kekayaan perseroan, mengikat perseroan sebagai

not more than 50% from company asset.

penjamin nilai Rp. 5.000.000.000 (lima miliar

• Legal Act to forward or to release right of make it

rupiah) atau lebih dan tidak melebihi dari 50% asset

guarantee of all loans or as most of company’s

perseroan.

property in one book, either in one transaction or

• Perbuatan hukum untuk mengalihkan, melepaskan hak

several transactions, independently or related to

atau menjadikan jaminan utang seluruh atau sebagian

one to another, should get approval General

besar harta kekayaan perseroan dalam satu tahun buku

Meeting of Shareholders where the attendance

baik dalam satu transaksi atau beberapa transaksi yang

should be representative of 75% of total share or

berdiri sendiri atau berkaitan satu sama lain harus

vote.

mendapat persetujuan Rapat Umum Pemegang Saham yang dihadiri atau diwakili para pemegang saham yang memiliki 75% dari jumlah seluruh saham atau hak suara.

13

•

Berdasarkan Peraturan Bank Indonesia

Based On Bank Indonesia’s Regulation

Berdasarkan PBI No.5/8/PBI/2003 Tentang Penerapan

• In

Accordance

with

PBI

No.5/8/PBI/2003

Manajemen Risiko Bagi Bank Umum:

regarding Implimentation of Risk Management on

Pengawasan aktif Dewan Direksi dalam penerapan

a Private Bank:

Manajemen Risiko yakni:

Board of Commissioners conduct these following

Menyusun kebijakan dan strategi Manajemen Risiko,

Intensive monitoring on Risk Management :

Bertanggung-jawab atas pelaksanaan

Formule

kebijakan

Evaluate, Decide transaction that require

Mengembangkan budaya Manajemen Risiko,

approval from Board of Directors.

Meningkatkan kompetensi SDM, Risiko

Improve Risk Management culture.

telah

Improve Human Resources Management .

beroperasi secara independen,

Ensure function of Risk Management have

Kaji ulang keakuratan metode risiko, kecukupan implementasi

SIM

serta

Risk

management and exposed risks

membutuhkan persetujuan Direksi,

Manajemen

Strategic

Responsibilities on the implementation of risk

Mengevaluasi dan memutuskan transaksi yang

fungsi

and

Management

Manajemen Risiko dan eksposur risiko yang diambil,

Memastikan

Policies

ketepatan

been operated independently.

kebijakan,

Study accurancy of risk management method,

prosedur dan penetapan limit risiko.

sufficient implementation SIM as well as accurancy of policy, procedure ad risk limit statement.

•

Berdasarkan PBI No.8/4/PBI/2006 serta perubahannya

• In accordance with PBI No.8/4/PBI/2006 and its

No.8/14/PBI/2006 tentang Pelaksanaan GCG:

amendment

Direksi bertanggung jawab penuh atas pelaksanaan

GCG implementation:

Direksi wajib mengelola Bank sesuai dengan

Bank Management. Directors are responsible to manage the Bank

kewenangan dan tanggungjawabnya sebagaimana dalam

Anggaran

No.8/14/PBI/2006 regarding

Board of Directors is fully responsible for

kepengurusan Bank,

diatur

No.

Dasar

dan

in accordance with their authority and

peraturan

responsibility indicated in General Budget and

perundang-undangan yang berlaku, Direksi wajib melaksanakan prinsip-prinsip Good

current standard reguilations Directors are responsible to execute GCG

Corporate Governance dalam setiap kegiatan usaha

principles in each activity in the Bank in every

bank pada seluruh tingkatan atau jenjang organisasi,

level and organization.

14

Direksi wajib menindaklanjuti temuan audit dan

Directors are responsible to follow up

rekomendasi dari Satuan kerja Audit Intern Bank,

internal audit’s finding and recommendation

auditor eksternal, hasil pengawasan Bank Indonesia

of SKAI, ekternal audit, Bank Monitoring

dan/atau hasil pengawasan otoritas lain,

result, and or result of mentoring from other authorities.

Direksi wajib mempertanggungjawabkan pelaksanaan

Directors are responsible to conduct its duties

tugasnya kepada pemegang saham melalui Rapat

to shareholders at General Meeting of


Shareholders (RUPS).

Direksi wajib mengungkapkan kepada pegawai

Directors are responsible to explain to

kebijakan bank yang strategis di bidang kepegawaian,

employees strategic and human resources

Direksi wajib menyediakan data dan informasi yang

policies of Bank.

akurat, relevan dan tepat waktu kepada Dewan

Directors are responsible to provide accurate,

Komisaris, Pelaksanaan

relevant, and on time information and data to Good

Corporate

kegiatan

usahanya

Implementations of GCG principles in every

termasuk pada saat penyusunan visi, misi, rencana

business actions as well as in setting up

strategis, pelaksanaan kebijakan dan langkah-langkah

vision, mission and strategic plan, policy

pengawasan internal pada seluruh tingkatan atau

execution, and internal monitoring actions in

jenjang organisasi diwujudkan dalam:

every level of organization to realize these

Pelaksanaan tugas dan tanggungjawab Dewan

following actions :

Governance

prinsip-prinsip dalam

setiap

Board of Commissioners.

Implementation

Direksi,

of

Duties

and

Responsibilities of Board of Directors.

Kelengkapan dan pelaksanaan tugas komite-

Completeness and execution of committee

komite dan satuan kerja yang menjalankan fungsi

duties and working force unit in carrying

pengendalian intern Bank,

out internal bank management.

Penerapan fungsi kepatuhan, auditor internal dan

Implementation of compliance action,

auditor eksternal,

including internal and external .

Penerapan manajemen risiko, termasuk sistim

Implementation

pengendalian intern,

of

risk

management

including internal control.

Penyediaan dana kepada pihak terkait dan

Fund Provision to related parties and

penyediaan dana besar,

large amount of fund provision.

Rencana strategis Bank,

Bank’s Strategic Plan.

Transparansi kondisi keuangan dan non keuangan

Transparency of financial condition and

Bank.

non financial of the Bank.

15

Rapat Dewan Direksi / Board Of Director Meeting Achmad S. Kartasasmita

Hendra Halim

Leo Setia

Andy

Yusri Hadi

Dewan Direksi / Board of Directors

13

13

13

13

13

Komite Manajemen Risiko / Risk Management Committee

5

5

5

5

5

Komite ALCO / ALCO Committee

11

10

10

11

10

Komite Pengarah TI /

-

-

2

1

-

3

3

1

3

2

Rapat Gabungan / Joint meeting

5

5

5

5

5

Total Kehadiran / Total Attendance

37

36

36

38

35

Rapat / Meeting

Technology Steering Committee Komite Kebijakan Perkreditan / Credit Policy Committee

Tabel 4. Frekwensi dan Jenis Rapat yang dihadiri anggota Dewan Direksi / Frequency and type of meetings attended by members of the board of directors.

Komite-Komite Dalam meningkatkan efektifitas dan efisiensi tugas Direksi, maka dibentuk beberapa Komite dibawah koordinasi dari Dewan Direksi Bank. Adapun

Committees In improving the effectiveness and efficiency of the Board of Directors duties, then formed a committee under the coordination of the Board of Directors of the Bank. The Committees are:

Komite-Komite tersebut antara lain:

16

Komite Manajemen Risiko / Risk Management Committee Komite Manajemen Risiko membantu Dewan Direksi dalam menyusun kebijakan Manajemen Risiko serta perubahannya termasuk strategi Manajemen Risiko dan Contigency plan ketika kondisi eksternal Bank sedang tidak normal. / The Risk Management Committee assists the Board of Directors in formulating policies and changes including Risk Management Risk Management strategy and contingency plan when the external conditions are not normal Bank.

Komite ALCO / ALCO Committee

Dewan Direksi / Board of Directors

Komite ALCO membantu Dewan Direksi dalam menetapkan kebijakan dan pedoman pelaksanaan ALMA serta mengevaluasi hasil kegiatan Bank. /ALCO Committee assists the Board of Directors in setting policies and guidelines for the implementation of ALMA and evaluate the results of the Bank.

Komite Pengarah TI / Technology Steering Committee Komite Pengarah TI membantu Dewan Direksi dalam menyusun rencana strategis TI, merumuskan kebijakan dan prosedur TI serta memantau dan mengevaluasi pemanfaatan TI. / IT Steering Committee assists the Board of Directors of the IT strategic plan, formulating IT policies and procedures and monitor and evaluate the use of IT

Komite Kebijakan Perkreditan / Credit Policy Committee Komite Kebijakan Perkreditan memberikan masukan kepada Dewan Direksi dalam rangka penyusunan Kebijakan Perkreditan Bank. / Credit Policy Committee provides input to the Board of Directors in the preparation of the Bank's Credit Policy.

Pelaksanaan Tugas dan Tanggung Jawab Direksi

Implementation of Board Boar of Directors Duties and Responsibilities

Selama tahun 2012 Dewan Direksi terus berusaha dalam mewujudkan visi dan misi Bank serta Rencana Bank untuk

During the year 2012 the Board of Directors

Double the Size di tahun 2016. Dewan Direksi senantiasa

continue to strive achieving the vision and mission

memantau pelaksanaan strategi-strategi strategi bisnis Bank dan

of the Bank as well as Bank Plan to Double the Size

pencapaian yang dilakukan, melakukan corrective action

in the year 2016.. The Board of Directors

atas semua hasil temuan pemeriksaan dan pembinaan Bank

continuously monitor the implementation of the

Indonesia. Selain itu Dewan Direksi juga senantiasa

Bank business strategies and achievements, perform

berkomitmen dalam menciptakan tata kelola yang baik

corrective

dalam setiap aktifitas operasional dan fungsional Bank.

action

on

all

coaching,

and

recommendation from Bank Indonesia. In addition, the Board of Directors give their best commitment in creating good governance in line activities of the Bank.

17

Adapun perbaikan-perbaikan yang dilakukan Dewan

As improvements are made the Board of Directors in

Direksi dalam upaya mewujudkan tata kelola yang baik,

efforts to achieve good governance, namely:

yakni:

• Dividing the Credit Division into Marketing

• Pemisahan Divisi Kredit dengan Divisi Marketing

Division and Credit to optimize the function of

dalam mengoptimalkan fungsi four eyes principle dalam penyaluran kredit kepada debitur,

four eyes principle in lending activities, • Issuing SOP (Standard Operating Procedure)

• Menerbitkan SOP (Standard Operating Procedure)

Assessment of Product Development / Activity

Kajian Pengembangan Produk/Aktifitas Bank,

Bank,

• Menerbitkan Surat Keputusan atau Surat Edaran

• Issuing Decree or Circular Letter concerning the

mengenai penyusunan dan penyempurnaan kebijakan-

preparation and improvement of policies and

kebijakan dan prosedur yang berkaitan dengan aktifitas

procedures relating to operational and functional

operasional dan fungsional Bank,

activities of the Bank,

• Melakukan sosialisasi terhadap karyawan-karyawan

• To disseminate the new employees regarding the

baru Bank mengenai implementasi Good Practice Guide

implementation of the Bank Good Practice Guide

sebagai wujud dari realisasi komitmen Direksi dalam

to optimize the implementation of Good Corporate

melakukan optimalisasi implementasi GCG,

Governance,

• Melakukan penyempurnaan terhadap susunan Anggota

• Develop the composition of the Risk Management

Komite Manajemen Risiko melalui SK No. 06/SK-

Committee members through Decree No. 06/SK-

BMD/DIR/2012,

BMD/DIR/2012,

• Melakukan penambahan anggota Komite Audit melalui

• Add members of the Audit Committee through

SK No. 14/SK-BMD/DIR/2012.

Decree No. 14/SK-BMD/DIR/2012.

18

IV. Kelengkapan dan Pelaksanaan Tugas Komite-Komite dan Satuan Kerja yang Menjalankan Fungsi Pengendalian / Completeness and Implementation of Committees’ Duties and Working Unit Bank Internal Control Komite Audit Keanggotaan

Audit Committee

Komite Audit beranggotakan 4 (empat) orang yakni 1 (satu)

Membership

orang Ketua dan 3 (tiga) orang Anggota. Sesuai dengan

The Audit Committee has 4(four)members namely 1

ketentuan Bank Indonesia, Komite Audit Bank diketuai oleh

(one)

seorang Komisaris Independen yakni Bapak Katio, sedangkan

accordance with Bank Indonesia, Audit Committee is

anggota

pihak-pihak

chaired by an independent commissioner, Mr. Katio,

Independen yang memiliki kompetensi dan keahlian pada

while other members, Mr. Adanan Silaban are

bidang keuangan dan akuntansi yakni Bapak Adanan Silaban

independent party who have the competency and

dan pada bidang perbankan yakni Bapak R.J.Situmeang serta

expertise in finance and accounting and the other

pada bidang audit adalah Bapak Armen Lora. Seluruh anggota

members, in banking sector namely Mr. RJ Situmeang

Komite Audit berasal dari pihak yang independen sehingga

as well as the audit expert, Mr Armen Lora. All

dapat mengoptimalkan fungsi dan kinerja dari Komite Audit.

members of the Audit Committee are independent

Anggota Komite Audit diangkat oleh Direksi berdasarkan

party to shareholders and operational functions to

keputusan Rapat Dewan Komisaris.

ensure optimization of the Audit Committee. Audit

Komite

Audit

lainnya

adalah

Chairman

and

three

(3)

members.

In

Committee members are appointed by the Board of Directors based on the decision of the Commissioner.

No

Jabatan / Position

Nama / Name

1.

Ketua / Chairman

Katio (Komisaris Independen)

2.

Anggota / Member

R. J Situmeang

3.

Anggota / Member

Adanan Silaban

4.

Anggota / Member

Armen Lora

Tabel 5. Keanggotaan Komite Audit Bank / Bank’s membership of the Audit Commitee

19

Tugas dan Tanggung Jawab Komite Audit

Duties and Responsibilities of The Audit Committee

Tugas dan wewenang Komite Audit dapat dirincikan sebagai

Duties and Responsibilities of The Audit Committee

berikut:

described as follows :

• Memberikan rekomendasi dalam rangka mendukung

• To give recommendation in supporting effective

efektivitas pelaksanaan tugas dan tanggung jawab

implementation of duties and responsibilities of the board of commissioners in auditing,

Dewan Komisaris khususnya di bidang audit, • Membantu

Dewan

Komisaris

memantau

dan

• To

Dewan

Komisaris

memantau

dan

board

of

commissioners

in

• To assist the Board of Commissioners in monitoring and evaluating the implementation of

mengevaluasi pelaksanaan audit dan pelaksanaan tugas Satuan Kerja Audit Intern (untuk selanjutnya disebut

SKAI duties, • To assist the Board of Commissioners in

“SKAI”), • Membantu

the

monitoring and evaluating the audit planning,

mengevaluasi perencanaan audit, • Membantu

Assist

monitoring and evaluating directors’ actions on Dewan

Komisaris

memantau

dan

audit findings., recommendations, and the Bank’s

mengevaluasi tindak lanjut Direksi terhadap temuan

internal auditor and external auditor work

audit, rekomendasi dari SKAI Bank maupun temuan

conducted by other monitoring instructions,

auditor eksternal, hasil pengawasan Bank Indonesia

• Assist the Board of Commissioners in monitoring

dan/atau hasil pengawasan otoritas lain, • Membantu

Dewan

Komisaris

and

memantau

dan

of

audit

on prevailing auditing standards, • To Assist Board of Commissioners evaluate consistency of prevailing financial report and

• Membantu Dewan Komisaris mengevaluasi kesesuaian

accounting standards.

laporan keuangan dengan standar akuntansi yang

• Give recommendation on the appointment of

berlaku, • Memberikan

consistency

implementation by Public Accounting Office based

mengevaluasi kesesuaian pelaksanaan audit oleh Kantor Akuntan Publik dengan standar audit yang berlaku,

evaluating

rekomendasi

mengenai

Public Accounting Office to be submitted to

penunjukkan

General Shareholders Meeting. Public accountant

Akuntan Publik dan Kantor Akuntan Publik kepada

and public accounting office should be registered

Dewan Komisaris untuk disampaikan kepada RUPS,

with Bank Indonesia. Akuntan Publik dan Kantor Akuntan Publik wajib terdaftar di Bank Indonesia,

• To assist Board of Commissioners preparing necessary reports.

• Membantu Dewan Komisaris menyusun laporan-laporan yang dibutuhkan.

20

Rapat Komite Audit

Audit Committee meetings

Sepanjang Tahun 2012 Komite Audit melakukan rapat

Throughout year 2012 the Audit Committee held

sebanyak 5 (lima) kali. Adapun perincian kehadiran peserta,

meetings5 (five) times. The details of attendance of

yakni:

participants namely:

Rapat / Meeting

Katio

Total Kehadiran / Total

R.J. Situmeang 5

Adanan Silaban

5

Armen Lora

5

1

Attendance Tabel 6. Frekwensi kehadiran Anggota Komite Audit / Attendance Frequency of Audit Committee Members Keterangan:

Description:

Bapak Armen Lora efektif sejak tanggal 1 September 2012

Mr. Armen Lora effective starting as a member of Audit

menjadi anggota Komite Audit.

Committee dated 1 September 2012.

Program Kerja dan Realisasi Komite Audit

Working Program and Realisation of Audit

Program kerja dan realisasi Komite Audit Tahun 2012

Committee

mencakup: Evaluasi Rencana Audit, Pelaksanaan Audit,

Work program and the realization of the Audit

Pelaksanaan Tugas SKAI, Pemantauan dan Pelaksanaan

Committee in 2012 include: Audit Plan Evaluation,

Temuan Audit, Standar Audit KAP, Kesesuaian Laporan

Audit progress, Internal Audit Task Implementation,

Keuangan

Rekomendasi

Monitoring and Implementation of Audit Findings,

mengenai penunjukkan KAP, Mengusulkan Penambahan

KAP Auditing Standards, Conformity of Financial

Anggota Komite Audit, Rekomendasi Perencanaan Audit

Statements

SKAI tahun 2013, Temuan KAP dan BI, Penunjukkan KAP

Recommendations on the appointment of the Firm,

untuk audit laporan keuangan Bank periode 31 Agustus

Proposing Member of Audit Committee Addition,

2012 dan 31 Desember2012, Rekomendasi – rekomendasi

Recommendations on audit plan for year 2013,

kepada Dewan Komisaris.

findings and BI KAP, KAP appointment for Bank

dengan

Standar

Akuntansi,

by

financial statements 2012

and

Accounting

auditing

December

31,

Standards,

period August 31, 2012,

and

other

recommendations to the Board.

Komite Pemantau Risiko

Risk Monitoring Committee

Komite Pemantau Risiko bertanggung jawab kepada

Risk Monitoring Committee is responsible to Board

Dewan Komisaris. Secara umum Komite Pemantau Risiko

of Commissioners. In general, Risk Monitoring

berfungsi

rangka

Committee has responsibility to give recommendation

mendukung efektivitas pelaksanaan tugas dan tanggung

to support effective implementation of duties and

jawab Dewan Komisaris khususnya dibidang Manajemen

responsibilities

Risiko.

especially in Risk Management.

memberikan

rekomendasi

dalam

21

of

Board

of

Commissioners

Keanggotaan

Membership

Komite Pemantau Risiko terdiri dari 3 (tiga) orang, diketuai

Risk Monitoring Committee consists of 3 (three)

oleh seorang Komisaris Independen (Bapak Boing Sudrajat)

people, led by an Independent Commissioners (Mr.

dan beranggotakan seorang Pihak Independen yang memiliki

Boing Sudrajat) with member from Independent

keahlian di bidang keuangan (Bapak Adanan Silaban), serta

Parties expert in finance (Mr. Adanan Silaban), and

seorang dari Pihak Independen yang memiliki keahlian di

a member expert in Risk Management (Mrs. Kiki

bidang Manajemen Risiko (Ibu Kiki Farida Ferine). Anggota

Farida

Komite Pemantau Risiko diangkat oleh Direksi berdasarkan

members appointed by Board of Directors based on

keputusan rapat Dewan Komisaris.

Board of Commissioner’s meeting decision.

Ferine).

Risk

Monitoring

No

Jabatan / Position

Nama / Name

1.

Ketua / Chairman

Boing Sudrajat (Komisaris Independen)

2.

Anggota / Member

Adanan Silaban

3.

Anggota / Member

Kiki Farida Ferine

Tabel 7. Keanggotaan Komite Pemantau Risiko Bank / Membership of Risk Monitoring Commitee

22

Committee

Tugas dan Tanggung Jawab Komite Pemantau Risiko

Duties and Responsibilities of Risk Monitoring Committee

•

Membantu

Dewan

Komisaris

pemberian

persetujuan

dalam

kebijakan

proses

Manajemen

Risiko, •

Membantu Dewan Komisaris dalam hal evaluasi

• Assist Board of Commissioners in process of giving agreement of Risk Management Policy. • Assist Board of Commissioners in evaluation on Risk Management Policy compliance with its

tentang kesesuaian kebijakan Manajemen Risiko dengan pelaksanaan kebijakan tersebut, •

Membantu

Dewan

Komisaris

memantau

dan

implementation. • Assist Board of Commissioners in monitoring and evaluation of implementation of Risk Management

mengevaluasi pelaksanaan tugas Komite Manajemen Risiko dan Satuan Kerja Manajemen Risiko, •

Membantu

Dewan

permohonan

Komisaris

Direksi

yang

mengevaluasi

berkaitan

Committee Duties. • Board of Commissioners in evaluation Board of Directors inquiry related to transactions which

dengan

need Board of Commissioners’s approval as

transaksi yang memerlukan persetujuan Dewan

follows :

Komisaris antara lain:

Establish new business or participate at other


companies in the country or overseas.

perusahaan lain baik di dalam maupun di luar

Buying/selling/ allocation of properties right

negeri,

(fixed assets) and companies, guarantee/

Membeli/ menjual/mengalihkan hak barang

mortgage or company burdened property,

tidak bergerak ( harta tetap ) dan perusahaan-

engaged

perusahaan, menjaminkan/mengagunkan atau

sebagai

penjamin

senilai

Rp.

5.000.000.000 ( Lima Miliar Rupiah ) atau lebih dan

a

guarantor

Rp.

more than 50% of company assets. • Assist Board of Commissioners to set up any necessary reports.

tidak melebihi dari 50% asset

perseroan. •

as

5,000,000,000 (five billions) or more and no

memberati harta kekayaan perseroan, mengikat perseroan

company

Membantu Dewan Komisaris menyusun laporanlaporan yang dibutuhkan.

23

Rapat Komite Pemantau Risiko

Risk Monitoring Committee meetings

Sepanjang Tahun 2012 Komite Pemantau Risiko

Throughout The year 2012 The Risk Monitoring

melakukan rapat sebanyak 10 (Sepuluh) kali. Adapun

Committee held meetings for 10 (ten) times. The

perincian kehadiran peserta, yakni:

details of attendance of participants, namely:

Rapat / Meeting

Boing Sudrajat

Adanan Silaban

Kiki Farida Ferine


4

7

10

Attendance Tabel 8. Frekwensi kehadiran Anggota Komite Pemantau Risiko / Attendance Frequency of Risk Monitoring Committee Members

Program Kerja dan Realisasi Komite Pemantau Risiko

Risk Monitoring Committee Work Program and

Program kerja dan realisasi Komite Pemantau Risiko

Realization.

selama Tahun 2012 mencakup: Evaluasi Kebijakan

Work program and the realization of the Risk

Manajemen

Komite

Monitoring Committee during the year 2012 include:

Manajemen Risiko, Kinerja Komite Pemantau Risiko,

Evaluation of the Risk Management Policy, Risk

Pelaksanaan Tugas SKMR, Profil Risiko, Tingkat

Management

Kesehatan Bank.

Performance

Risiko,

Pelaksanaan

Tugas

Committee Risk

Task

Monitoring

Execution,

Committee,

the

Implementation Task SKMR, Risk Profiles, Bank Soundness.

Komite Remunerasi dan Nominasi

Remuneration and Nomination Committee

Keanggotaan

Memberships

Komite Remunerasi dan Nominasi Bank terdiri dari 3

Bank Remuneration and Nomination Committee

(tiga) orang yakni, seorang Komisaris Independen yang

consists of 3 members, they are one independent

mengetuai Komite Remunerasi dan Nominasi (Bapak

commissioners

Katio), seorang Komisaris (Bapak Indra Halim), serta

Nomination

seorang Pejabat Eksekutif yang membawahi Sumber Daya

commissioners (Bapak Indra Halim) asn Executive

Manusia (Ibu Rita Ana). Anggota Komite Remunerasi dan

Authority of the Bank who lead Human Resources

Nominasi diangkat oleh Direksi berdasarkan keputusan

(Ibu Rita Ana). The members of Remuneration and

rapat Dewan Komisaris.

Nomination Committee appointed by Board of

who

lead

Committee

Remuneration (Bapak

Katio),

and a

Directors and Decision of Board of Commissioners’s meeting.

24

No

Jabatan / Position

Nama / Name

1.

Ketua / Chairman

Katio (Komisaris Independen)

2.

Anggota / Member

Indra Halim (Komisaris)

3.

Anggota / Member

Kb. Personalia dan Umum

Tabel 9. Keanggotaan Komite Remunerasi dan Nominasi Bank / Bank’s Membership of Remuneration and Nomination Committee

Tugas dan Tanggung Jawab Komite Remunerasi dan

Duties and Responsibilities of Remuneration and

Nominasi

Nomination Committees

Tugas dan Tanggung Jawab Komite Remunerasi dan

Duties and Responsibilities of Remuneration and

Nominasi sebagai berikut:

Nomination Committees are as follows:

• Terkait dengan Kebijakan Remunerasi, yakni:

• Related to Remuneration’s Policy

Membantu Dewan Komisaris dalam melakukan

Help the Board of Commissioners to do

evaluasi terhadap kebijakan remunerasi, Membantu

Dewan

Komisaris

evaluation on remuneration policy and Help Board of Commissionnairs to give

memberikan

rekomendasi mengenai:

recommendation on :

Kebijakan Remunerasi bagi Dewan Komisaris

Remuneration

policy

to

Board

of

dan Direksi untuk disampaikan pada Rapat

Commissioners and Board of Directors to


presented at General Meeting of Shareholders

Kebijakan Remunerasi bagi Pejabat Eksekutif dan

pegawai

secara

keseluruhan

Policy of remuneration of all Executive

untuk

Authority and employees to be presented to

disampaikan kepada Direksi. • Terkait dengan Kebijakan Nominasi, yakni:

Board of Directors. •

Related to Nomination Policy

Membantu Dewan Komisaris dalam menyusun dan

Assist Board of Commissioners in setting up

memberikan rekomendasi mengenai sistem serta

and giving recommendation regarding system

prosedur pemilihan dan/atau penggantian anggota

and procedure of election and or change of

Dewan Komisaris dan Direksi untuk disampaikan

Board of Commissioners’ member to be

pada Rapat Umum Pemegang Saham,

presented at the shareholder general meeting.

Membantu Dewan Komisaris dalam memberikan

Assist Board of Commissioners in giving

rekomendasi mengenai calon anggota Dewan

recommendation

Komisaris dan/atau Direksi untuk disampaikan

member of Board of Commissioners and or

pada Rapat Umum Pemegang Saham,

Board of Directors to be presented at

regarding

Shareholder’s General Meeting.

25

candidate’s

Membantu Dewan Komisaris dalam memberikan

Assist Board of Commissioners in giving

rekomendasi mengenai Pihak Independen yang akan

recommendation regarding independent parties

menjadi anggota komite-komite lainnya,

who will be members of other committees.

Komite

wajib

Remuneration and Nomination Committee is

memastikan bahwa kebijakan remunerasi paling

responsible to ensure that remuneration policy

kurang sesuai dengan:

fulfill the standard of :

Kinerja keuangan dan pemenuhan cadangan

Financial Performance and reserve adequacy

Remunerasi

dan

Nominasi

sebagaimana diatur dalam peraturan perundang-

as indicated in regulation standard, Individual working performance,

undangan yang berlaku, Prestasi kerja individual,

Proper comparing with peer group,

Kewajaran dengan peer group,

Objective

Pertimbangan sasaran dan strategi jangka panjang

Consideration and

long term

strategy of the Bank.

Bank.

Rapat Komite Remunerasi dan Nominasi

Remuneration and Nomination Committee meetings

Sepanjang Tahun 2012 Komite Remunerasi dan

Throughout the year 2012, the Remuneration and

Nominasi melakukan rapat sebanyak 4 (empat) kali.

Nomination Committee held meetings totally 4 (four)

Adapun perincian kehadiran peserta, yakni:

times. The details of attendance of participants, namely: Rita Ana

Rapat / Meeting

Katio

Indra Halim

(KB. Personalia dan Umum)


4

4

4

Attendance Tabel 10. Frekwensi kehadiran Anggota Komite Remunerasi dan Nominasi / Attendance Frequency of Remuneration and Nomination Committee Members

26

Program Kerja dan Realisasi Komite Remunerasi dan

Remuneration and Nomination Committee Work

Nominasi

program and Realization Work

Program kerja dan realisasi Komite Remunerasi dan Nominasi

selama

Tahun

2012

mencakup:

Evaluasi

Remunerasi tahun 2011, Rekomendasi batas usia pensiun karyawan, Rekomendasi pelatihan tahun 2012, Rekomendasi rotasi dan mutasi karyawan, Rekomendasi mekanisme promosi kerja, Rekomendasi prosedur pemilihan dan pengangkatan pelaksanaan

anggota kegiatan

Direksi/Komisaris, pengembangan

Evaluasi

SDM,

Evaluasi

terhadap kesesuaian kebijakan remunerasi dan nominasi untuk periode semester I tahun 2012, Rekomendasi calon anggota Komite Audit, Evaluasi pelaksanaan kegiatan pengembangan SDM periode semester I tahun 2012, Rekomendasi usulan bonus, Rekomendasi penetapan skala gaji 2013.

program

and

the

realization

of

the

Remuneration and Nomination Committee during the year 2012 include: Evaluation of Remuneration in 2011,

the

retirement

Recommendations, 2012,

rotation

age

training and

recommendation,

job

of

employees

recommendations

mutation

of

promotion

in

employees mechanism

Recommendations, procedures and appointment of members of the Board of Directors / Commissioners recommendation, evaluation of the implementation of human resource development, evaluation of the remuneration and nomination policy for the first half of 2012, the prospective members of the Audit Committee

Recommendation,

evaluation

of

the

implementation of human capital development in the first

half

of

2012,

the

proposed

bonuses

Recommendation, salary scaling Recommendation 2013.

Komite ALCO

ALCO Committee

Keanggotaaan

Memberships

Struktur dan Keanggotaan Komite ALCO dijabarkan

Structure and Membership Committee ALCO

sebagai berikut:

described as follows:

No

Jabatan / Position

Nama / Name

1.

Ketua / Chairman

Presiden Direktur

2.

Wakil Ketua / Vice Chairman

Wakil Presiden Direktur

3.

Sekretaris / Secretary


4

Anggota / Member

Seluruh Kepala Divisi

5

Anggota / Member

Seluruh Kepala Bagian

6

Anggota / Member

Seluruh Pimpinan Cabang

Tabel 11. Keanggotaan Komite ALCO Bank / Membership of ALCO Committee

27

Tugas dan Tanggung Jawab Komite ALCO

Duties and Responsibilities of ALCO Committee

• Menetapkan Kebijakan dan pedoman pelaksanaan ALMA,

• Enact policy and implementation guide of ALMA • ALMA decision making, • Create and Evaluate Bank Activity’s result

• Membuat keputusan ALMA, • Membuat dan mengevaluasi atas hasil kegiatan Bank,

• Held meetings periodically 3 months or according to management needs.

• Mengadakan rapat ALCO yang dilaksanakan 3 bulan sekali atau menurut kebutuhan Manajemen.

ALCO authorizations:

Wewenang ALCO: •

Merumuskan tujuan ALMA (Manajemen Likuditas,

• Formulate

objective

(Liquidity

management, Gap Management and Pricing

Manajemen Gap, Manajemen Pricing), •

ALMA’s

Management)

Menetapkan kebijakan dan pedoman ALMA (Rasio Likuiditas, posisi Gap),

• State ALMA’s Policy and Guides (Liquidity ratio and Gap position)

•

Membuat keputusan ALMA (Putusan Pendanaan),

•

Memantau hasil kegiatan Bank.

• Setting up ALMA’s Decision (Fund Decision) • Monitoring Bank’s activity result.

Rapat Komite ALCO

Alco Committe Meetings

Sepanjang tahun 2012 Komite ALCO melakukan rapat sebanyak 11 (sebelas) kali. Adapun rincian kehadiran

Throughout the year 2012 ALCO Committee held meetings for 11 (eleven) times. The details of meeting

peserta rapat, yakni:

attendance, namely: Rapat / Meeting

Achmad S.

Hendra H.

Leo S.

Yusri H.

Andy

10

10

10

11

Kartasasmita Total Kehadiran /Total

11

Attendance Tabel 12. Frekwensi Kehadiran Anggota Komite ALCO / Attendance Frequency of ALCO Committee Members

28

Program Kerja dan Realisasi Komite ALCO

Work program and the realization of the ALCO

Program kerja dan realisasi Komite ALCO selama Tahun

Committee

2012 mencakup menetapkan kebijakan dan membuat

Work program and the realization of ALCO

keputusan ALMA yang dituangkan dalam bentuk Surat

Committee during the year 2012 covers enact policies

Edaran, Mengevaluasi perkembangan

kegiatan usaha

and decision-making for ALMA, which has been enact

Bank, Memonitoring maturity profile, SBDK, GWM,

in CircularLetter, evaluating the development of the

Cost of Fund dan Net Interest Margin, Mengevaluasi

Bank's

PDN.

profile, prime lending rate, reserve requirement, Cost

business

activities,

monitoring

maturity

of Funds and Net Interest Margin, evaluating NOP.

Risk Management Committee Komite Manajemen Risiko

Memberships

Keanggotaan

Details of the structure and membership of the Risk

Perincian Struktur serta keanggotaan dari Komite

Management Committee can be seen in the table

Manajemen Risiko dapat dilihat pada tabel di bawah ini.

below.

No

Jabatan / Position

Nama / Name

1.

Ketua / Chairman

Direktur Umum / Director of General Affairs

2.

Anggota / Member

Seluruh Anggota Direksi / Other Directors

3.

Anggota / Member

Kepala Divisi SKAI / Head of Internal Audit Div.

4

Anggota / Member

Kepala Divisi Operasional

5

Anggota / Member

Kepala Divisi Kredit

6

Anggota / Member

Kepala Divisi Marketing

7

Anggota / Member

Kepala Divisi Bizdev.

8

Anggota / Member

Kb. Akuntansi

9

Anggota / Member

Kb. Remedial

10

Anggota / Member

Kb. Sistem

11

Anggota / Member


12

Anggota / Member

Kb. Manajemen Risiko

13

Anggota / Member

Kb. Kepatuhan

14

Anggota / Member

Kb. Legal

15

Anggota Tidak Tetap / Non-permanent Members

Seluruh Pimpinan Cabang

Tabel 13. Keanggotaan Komite Manajemen Risiko Bank / Membership of Risk Management

29

Tugas dan Tanggung Jawab Komite Manajemen

Duties and Resposibilities of Risk Management

Risiko

Committee

Tugas dan tanggung jawab Komite Manajemen

Duties and Responsibilities of Risk Management

Risiko dapat diuraikan sebagai berikut:

Committee are as follows :

• Bersama-sama dengan Kepala Bagian yang terkait dan

• Working together with other related Head of Dep.

Satker Manajemen Risiko dan Kepatuhan menyusun

and Risk Management and compliance unit in

kebijakan Manajemen Risiko serta perubahannya

setting up Risk Management Policy as well as

apabila diperlukan, termasuk strategi Manajemen

necessary changes including Risk Management

Risiko dan Contigency Plan ketika kondisi eksternal

Strategy and Contigency Plan when external

bank sedang tidak normal,

condition of the bank is not normal.

• Secara berkala maupun bersifat insidentil melakukan

• Periodically or incidently do some improvement on

perbaikan atau penyempurnaan penerapan Manajemen

risk management implementation due to internal or

Risiko karena suatu perubahan kondisi internal dan

external conditional change of the Bank that

eksternal

kecukupan

affected capital sufficient reserve and Bank risk

permodalan dan profil risiko bank atas dasar hasil

profile based on evaluation of implementation

evaluasi terhadap efektivitas penerapan Manajemen

effectiveness of Risk Management.

bank

yang

mempengaruhi

Risiko,

• Set up justification on related business matters that

• Menetapkan justification atas hal-hal yang terkait

did not work with Bank’s policy procedures.

dengan keputusan-keputusan bisnis yang menyimpang dari prosedur dan kebijakan Bank.

Risk Management Committe Meetings

Rapat Komite Manajemen Risiko Sepanjang tahun 2012 Komite Manajemen Risiko melakukan rapat sebanyak 5 (lima) kali. Adapun rincian kehadiran peserta rapat, yakni:

Rapat

Throughout the year 2012 the Risk Management Committee held details

Achmad S.

of

meetings for 5 (five) times. The meeting

attendance,

Hendra H.

Leo S.

Yusri H.

Andy

5

5

5

5

namely:

Kartasasmita Total Kehadiran /Total

5

Attendance Tabel 14. Frekwensi kehadiran Anggota Komite Manajemen Risiko / Attendance Frequency of Risk Management Committee Members

30

Program Kerja dan Realisasi Komite Manajemen

Risk Management Committee Work program and

Risiko

the realization

Program kerja dan realisasi Komite Manajemen Risiko

Work program and the realization of the Risk

selama Tahun 2012 mencakup: Evaluasi rencana kerja

Management Committee during the year 2012

Satuan Kerja Manajemen Risiko, Review Profil Risiko

include: Evaluation work plan Risk Management

Bank, Review Tingkat Kesehatan Bank, Tindak lanjut

Unit, Bank Risk Profile Review, Review for Bank,

hasil Prudential Meeting, Review keanggotaan dan

Prudential Meeting Follow-up results, review the

pelaksanaan rapat Komite Manajemen Risiko, Evaluasi

membership and the implementation of the Risk

pelaksanaan proses Manajemen Risiko.

Management Committee meetings, Evaluation of the implementation of the Risk Management process.

Komite Pengarah Teknologi Informasi

Information Technology Steering Committee

Keanggotaan

Memberships

Perincian Struktur serta keanggotaan dari Komite

Details of the structure and membership of the

Pengarah Teknologi Informasi (untuk selanjutnya disebut

Steering Committee on Information Technology

“TI”) dapat dilihat pada tabel di bawah ini:

(hereinafter referred to as "IT") can be seen in the table below:

No

Jabatan

Nama

1.

Ketua / Chairman

Direktur Operasional

2.


Direktur Kepatuhan

3.

Anggota Komite Pengguna TI / Member

Kepala Divisi SKAI

4


Kepala Divisi Operasional

5



6



7


Kepala Divisi Bizdev.

8


Kb. Akuntansi

9


Kb. Manajemen Risiko

10


Kb. Kepatuhan

11

Anggota Penyelenggara TI / Member

Kb. Sistem

Tabel 15. Keanggotaan Komite Pengarah TI Bank / Bank’s Membership of Information Technology Steering Committee

31

Tugas dan Tanggung Jawab Komite Pengarah TI

Duties

Tugas dan tanggung jawab Komite Pengarah TI dapat

Technology Steering Committee

diuraikan sebagai berikut:

Duties and responsibilities of the IT Steering

• Menyusun Rencana Strategis Teknologi Informasi,

Committee can be described as follows:

• Merumuskan kebijakan dan prosedur TI yang utama

• Develop a Strategic Plan for Information

and

Responsibilities

of

Information

Technology,

seperti kebijakan pengaman TI dan manajemen risiko

• Formulate policies and procedures such as major

terkait penggunaan TI di PT Bank Mestika Dharma, • Kesesuaian TI dengan kebutuhan sistem informasi

IT policy IT security and risk management

manajemen yang mendukung pengelolaan kegiatan

related to the use of IT in PT Bank Mestika

bisnis Bank Mestika,

Dharma, • Compliance

• Kesesuaian pelaksanaan proyek-proyek TI yang

with

the

requirements

of

IT

disetujui dengan Rencana Strategis IT (IT Strategic

management information systems that support the

Plan) dan rencana proyek (project charter) yang

management of the business activities of Bank

disepakati dalam service level agreement,

Mestika,

• Efektifitas langkah-langkah meminimalisasi risiko

• Implementation effectiveness of IT projects were

atas investasi Bank Mestika pada sektor TI dan bahwa

approved by the IT Strategic Plan (Strategic IT

investasi tersebut memberikan kontribusi terhadap

Plan) and project plan (project charter) as

tercapainya tujuan bisnis Bank Mestika,

agreed in the service level agreement,

• Pemantauan

atas

kinerja

TI

dan

• The effectiveness of measures to minimize the risk

upaya

of investment Bank Mestika in the IT sector and

peningkatannya.

that

these

investments

contribute

to

the

achievement of business objectives, • Monitoring and IT performance improvement efforts.

Rapat Komite Pengarah TI

Information

Technology

Steering

Committee

Sepanjang tahun 2012 Komite Pengarah TI melakukan

meeting

rapat sebanyak 2 (dua) kali. Adapun perincian kehadiran

Throughout the year 2012 the IT Steering Committee

peserta, yakni:

held a meeting for 2 (two) times. The details of attendance of participants, namely:

Rapat Total Kehadiran Attendance

/Total

Leo Setia

Andy

2

1

Tabel 16. Frekwensi kehadiran Anggota Komite Pengarah TI / Attendance Frequency of Information Technology Steering Committee Members

32

Program Kerja dan Realisasi Komite Pengarah TI

IT Steering Committee Work program

Program kerja dan realisasi Komite Pengarah TI Tahun

realization

2012 mencakup Implementasi email corporate guna

Work program and the realization of the IT Steering

mendukung

sesama

Committee in 2012 include implementation of

internal Bank maupun relasi Bank, Meningkatkan

corporate e-mail to support smooth communication

kapasitas jaringan Kantor-Kantor Cabang menjadi 2

among internal Bank and Bank relationships,

(dua) kali lebih besar untuk mendukung penggunaan

Improving network capacity Branch Offices into 2

teknologi IP-telephony, Menambah perangkat jaringan

(two) times more likely to support the use of IP-

guna mendukung kebutuhan aplikasi RTGS generasi II,

telephony technology, Adding devices network to

Selalu

guna

support the needs of second-generation RTGS

menggunakan

application, always renewing TSI infrastructure to

teknologi terbaru, Penyediaan aplikasi Loan Origination

ensure that the Bank Mestika using the latest

System (LOS) untuk mendukung sistem Kredit Pemilikan

technologies,

Rumah, Adanya pemantauan dan fungsi supervisi atas

Origination System (LOS) systems to support the

proses internal, training-training dan sosialisasi.

Housing Credit, the monitoring and supervision

kelancaran

memperbaharui

memastikan

bahwa

komunikasi

infrastruktur

Bank

Mestika

antara

TSI

applications

Provision

and

Loan

functions of the internal processes, trainings and socialization.

Komite Kebijakan Perkreditan

Credit Policy Committee

Keanggotaan

Membership

No

Jabatan

Nama

1.

Ketua / Chairman

Presiden Direktur

2.


Wakil Presiden Direktur

3.

Anggota / Member

Direktur Operasional

4.

Anggota / Member

Direktur Kepatuhan

5.

Anggota / Member


6.

Anggota / Member


7.

Anggota / Member

Kepala Divisi SKAI

8.

Anggota / Member

Kb. Kredit

9.

Anggota / Member

Kb. SKMR

10.

Anggota / Member

Kb. Remedial

11.

Anggota / Member

Kb. Kepatuhan

12.

Anggota / Member

Kb. Portofolio

33

13.

Anggota / Member

Kb. Marketing Corporate

14.

Anggota / Member

Kb. Marketing Retail

15.

Anggota / Member

Kb. KPR

Tabel 17. Keanggotaan Komite Kebijakan Perkreditan Bank / Bank’s Membership of Credit Policy Committee

Tugas dan Tanggung Jawab Komite Kebijakan Perkreditan

Duties and Responsibilities of Credit Policy

Tugas dan tanggung jawab Komite Kebijakan Perkreditan

Committee

dapat diuraikan sebagai berikut:

Duties and responsibilities of the Credit Policy

• Memberi masukan kepada Direksi dalam rangka

Committee can be described as follows:

penyusunan Kebijakan Perkreditan Bank, terutama

• Provide input to the Board of Directors in the

yang berkaitan dengan perumusan prinsip kehati-

preparation

hatian dalam perkreditan,

particularly with regard to the formulation of the

applied

hambatan/kendala

implemented

penerapan

Bank's

Credit

Policy,

• Overseeing the Bank's Credit Policy that can be

konsisten serta merumuskan pemecahan apabila dalam

the

principle of prudence in lending,

• Mengawasi agar Kebijakan Perkreditan Bank dapat diterapkan dan dilaksanakan secara konsekuen dan

of

Kebijakan

and

consequently and

and

formulate

consistently

solutions

when

Perkreditan Bank, selanjutnya melakukan kajian secara

obstacles / constraints in the implementation of

berkala terhadap Kebijakan Perkreditan Bank dan

Credit Policy Bank, further undertake periodic

memberikan saran kepada Direksi apabila diperlukan

review of the Bank's Credit Policy and providing

perubahan

advice to the Directors if necessary changes or

atau

perbaikan,

memantau

dan

mengevaluasi :

improvements, Monitor and evaluate:

Perkembangan dan kualitas portofolio perkreditan

The development and the quality of the overall loan portfolio,

secara keseluruhan, Kebenaran pelaksanaan kewenangan

Truth

memutus

implementation

of

loan

approval

authority,

kredit, Kebenaran proses pemberian, perkembangan dan

Truth granting process, progress and quality of

kualitas kredit yang diberikan kepada pihak yang

the loans granted to parties related to the Bank

terkait dengan Bank dan debitur-debitur besar

and certain large borrowers, Truth implementation of the provisions of the

tertentu, Kebenaran

pelaksanaan

ketentuan

Legal Lending Limit,

Batas

Adherence to the statutory provisions and other

Maksimum Pemberian Kredit, Ketaatan undangan

terhadap dan

ketentuan

peraturan

regulations in the implementation of the

perundang-

lainnya

provision of credit,

dalam

pelaksanaan pemberian kredit,

34

Penyelesaian kredit bermasalah sesuai dengan

Completion

non-performing

loans

in

yang ditetapkan dalam Kebijakan Perkreditan

accordance with the policies set forth in the

Bank,

Credit Bank,

Upaya Bank dalam memenuhi kecukupan

The effort in meeting the adequacy of the

jumlah penyisihan penghapusan kredit.

•

of

allowance for loan losses.

Menyampaikan laporan tertulis secara berkala kepada

• Submit a written report periodically to the Board

Direksi dengan tembusan kepada Dewan Komisaris

with a copy to the Board of Commissioners on: The

mengenai: Hasil

pengawasan

atas

penerapan

dan

results

of

the

implementation

and

supervision of the implementation of the Bank's

pelaksanaan Kebijakan Perkreditan Bank,

Credit Policy,

Hasil pemantauan dan evaluasi mengenai hal-hal

The results of monitoring and evaluation on

yang terkait dengan point "Memantau dan

issues related to the point "monitor and

mengevaluasi" pada point ketiga,

evaluate" the third point,

Memberikan saran langkah-langkah perbaikan

Provide advice remedial measures to the Board

kepada Direksi dengan tembusan kepada Dewan

with a copy to the Board of Commissioners on

Komisaris mengenai hal-hal yang terkait dengan

matters related to the point "Reports" on the

point

fourth point.

"Penyampaian

laporan"

pada

point

keempat.

Rapat Komite Kebijakan Perkreditan

Credit Policy Committee Meeting

Sepanjang tahun 2012 Komite Kebijakan Perkreditan

Throughout the 2012 Credit Policy Committee held a

melakukan rapat sebanyak 3 (tiga) kali. Adapun perincian

meeting for three (3) times. The details of meeting

kehadiran peserta rapat, yakni:

attendance, namely:

Tanggal Total Kehadiran /Total

Achmad S.K. 3

Hendra H.

Leo S.

3

1

Yusri H.

Andy 2

Attendance Tabel 17. Kehadiran Komite Kebijakan Perkreditan Bank / Attendance Frequency of Credit Policy Committee Members

35

3

Program Kerja dan Realisasi Komite Kebijakan

Credit Policy Committee Work program and the

Perkreditan

realization

Program Perkreditan Portofolio

kerja

dan

tahun Kredit,

realisasi 2012

Komite

mencakup

Pengelompokan

Kebijakan

Work program and the realization of the Credit Policy

Pembahasan

Committee in 2012 include a discussion of the Loan

Grup

Debitur,

Portfolio,

Grouping

Debtor

Group,

Systems

Perkembangan Sistem KPR dengan LOS, Perubahan

Development mortgages with LOS, Loan Product

Pedoman Produk Kredit, Hasil Progres Hasil Training

Code Change, Progress Results Results Training

Analisa Kredit, Pembahasan Rasio Debitur Inti.

Credit Analysis, Discussion of Core Ratio Debtors.

V. Penerapan Fungsi Kepatuhan, Audit Intern dan Audit Ekstern Fungsi Kepatuhan / Implementation of Compliance, Internal Audit and External Audit Compliance function Sesuai dengan PBI No. 13/2/PBI/2011 perihal Fungsi

Accordance with PBI. 13/2/PBI/2011 Compliance

Kepatuhan Bank Umum pasal 4 ayat 1 dimana Bank

Function of Commercial Banks regarding Article 4,

wajib memiliki Direktur yang membawahkan Fungsi

paragraph 1 where the Bank is required to have a

Kepatuhan, Bank telah mempunyai Direktur Kepatuhan

director who heads a compliance function, the Bank

yang dalam fungsinya memastikan budaya kepatuhan

has a Compliance Director that the compliance

agar penerapan GCG sesuai dengan segala kebijakan-

function ensures that the implementation of good

kebijakan serta peraturan-peraturan Bank Indonesia dan

corporate governance culture in accordance with all

perundang-undangan yang berlaku.

policies and regulations Bank Indonesia and the applicable legislation.

Pengangkatan, pemberhentian, dan/atau Pengunduran

Appointment, dismissal, and / or Resignation of

Diri Direktur yang membawahkan Fungsi Kepatuhan

Director who heads the Compliance Function refers

mengacu

pengangkatan,

to the provisions regarding the appointment, dismissal

pemberhentian, dan/atau pengunduran diri anggota

and / or resignation of members of the Board of

Direksi.

Directors.

Tugas dan tanggung jawab Direktur Kepatuhan Bank

Duties and responsibilities of the Director Bank

disesuaikan dengan pasal 10 PBI No. 13/2/PBI/2011.

Compliance

Direktur Kepatuhan Bank wajib melaporkan pelaksanaan

PBI.13/2/PBI/2011. Bank Compliance Director shall

tugas dan tanggung jawabnya kepada Presiden Direktur

report the performance of duties and responsibilities

dengan tembusan kepada Dewan Komisaris Bank, paling

to the President with a copy to the Board of

kurang secara triwulanan.

Commissioners, at least on a quarterly basis.

pada

ketentuan

mengenai

36

with

Article

10

adjusted

Adapun ruang lingkup pelaksanaan tugas Direktur

The scope of duties of Bank Compliance Director for

Kepatuhan Bank selama tahun 2012

the year 2012 can be detailed as follows:

dapat dirincikan

sebagai berikut:

• Monitoring of the implementation of the work plan

• Pemantauan terhadap pelaksanaan rencana kerja dan

and

realization

and

achievement

of

performance comparison of banks,

realisasinya serta perbandingan pencapaian kinerja bank,

the

• Application of the principle of know your customer

• Penerapan prinsip mengenal nasabah dan Program APU & PPT,

and APU and PPT Program, • Human Resources,

• Sumber Daya Manusia,

• Risk Management,

• Manajemen Risiko,

• Good Corporate Governance,

• Good Corporate Governance,

• The results of the monitoring of the implementation

• Hasil pemantauan terhadap pelaksanaan komitmen Bank dengan Bank Indonesia, • Pemberian

rekomendasi

terhadap

of the Bank's commitment to Bank Indonesia, • Provision for credit recommendation submitted to

kredit

yang

diserahkan pada Komite C,

the Committee C, • Socialization of Bank Indonesia regulations and

• Sosialisasi terhadap ketentuan Bank Indonesia dan peraturan perundang-undangan yang berlaku,

legislation in force, • Implementation of systems and procedures for

• Penerapan sistem dan prosedur kepatuhan,

compliance,

• Pemantauan terhadap penyampaian laporan atau

• Monitoring of the submission of the report or

koreksi laporan yang akan disampaikan ke Bank

correction report will be submitted to Bank

Indonesia atau Regulator lainnya.

Indonesia or other regulators.

In order to supervise the Bank's compliance function, Dalam rangka pengawasan terhadap Fungsi Kepatuhan Bank, Dewan Komisaris

the Board evaluates the implementation of the Bank's

mengevaluasi pelaksanaan

compliance function at least 2 (two) times a year and

Fungsi Kepatuhan Bank paling kurang 2 (dua) kali dalam

provide

satu tahun serta memberikan rekomendasi terkait

improvement of the implementation of the Bank's

peningkatan dari implementasi Fungsi Kepatuhan Bank.

compliance function.

37

recommendations

regarding

the

Selama tahun 2012 Bank terus berupaya meningkatkan

During 2012 the Bank continued to improve the

budaya kepatuhan Bank dalam segala aspek kepatuhan

Bank's

agar sesuai dengan ketentuan yang berlaku seperti :

compliance to conform with applicable regulations

melakukan beberapa kajian kepatuhan terkait dengan

such as: did some studies of compliance associated

aktivitas perbankan, melakukan monitoring terhadap penyampaian laporan maupun koreksi laporan kepada pihak Regulator untuk meminimalisir risiko kepatuhan Bank dalam penyampaian laporan atau koreksi laporan, melakukan

sosialisasi

terhadap

ketentuan

Bank

Indonesia dan peraturan perundang-undangan yang

compliance

culture

in

all

aspects

of

with banking activities, monitoring the reporting and correction reports to the regulator to minimize compliance risks in the Bank's submission of the report or correction reports, to disseminate the Bank Indonesia regulations and legislation in force as part of efforts to foster a culture of compliance and minimize the Bank's Compliance Risks caused by lack

berlaku sebagai salah satu upaya dalam meningkatkan

of information and knowledge related to the provision

budaya kepatuhan Bank dan meminimalkan Risiko

or Bank Indonesia Regulation, Compliance work plan

Kepatuhan yang ada yang diakibatkan oleh kurangnya

the Risk Based, ensuring compliance with the Bank's

informasi dan pengetahuan terkait ketentuan atau

commitment to comply with regulations related to the

Peraturan Bank Indonesia, menyusun rencana kerja

results of Bank Indonesia as well as to disseminate

Kepatuhan secara Risk Based, memastikan kepatuhan

related

Bank atas pemenuhan regulasi komitmen terkait hasil

Compliance Unit actively participates in monitoring

pemeriksaan Bank Indonesia serta melakukan sosialisasi

the development and realization of the Bank's

terkait peningkatan Compliance Awareness. Satuan Kerja

commitment to the workup of Bank Indonesia. With

Kepatuhan

the role of the Bank is expected to deliver the Bank's

turut

aktif

dalam

memonitoring

perkembangan dan realisasi komitmen Bank terhadap hasil pemeriksaan Bank Indonesia. Dengan adanya peranan tersebut diharapkan Bank dapat menyampaikan komitmen Bank dengan benar sesuai komitmen. Rekapitulasi dari hasil monitoring tersebut dituangkan dalam Laporan Pelaksanaan Tugas dan Tanggung Jawab Direktur Kepatuhan Bank yang Presiden

Direktur

dan

Komisaris

Kepatuhan

yang

disampaikan

Compliance

Awareness.

the results of the monitoring are set forth in the Statement

of

Duties

and

Responsibilities

Implementation Compliance Director Bank submitted to the President and the Board on a quarterly basis and submitted to Bank Indonesia through the Compliance Reports submitted biannually.

secara

triwulanan dan disampaikan ke Bank Indonesia melalui Laporan

in

commitment to true to commitment. Recapitulation of

disampaikan kepada

Dewan

increase

secara

semesteran.

38

Fungsi Audit Intern Divisi Satuan Kerja Audit Intern (SKAI) melaksanakan fungsi Audit Intern Bank dengan berpedoman pada Peraturan dan ketentuan Bank Indonesia, Standar Pelaksanaan Fungsi Audit Intern Bank (SPFAIB) dan Internal Audit Charter/Piagam Audit Internal Bank. Divisi SKAI merupakan divisi yang independen dari fungsi operasional Bank dan bertanggung jawab langsung kepada Presiden Direktur.

Internal Audit Function Division of Internal

Audit

(Internal

Audit)

implementing Bank Internal Audit function based on regulations and provisions of Bank Indonesia, Standard Bank Internal Audit Function (SPFAIB) and the Internal Audit Charter / Internal Audit Charter Bank. Division of Internal Audit is an independent division in the Bank and is answer directly to the President Director.

Tugas utama SKAI adalah melakukan pengawasan dan

The main responsibility of SKAI is to supervise and

pemeriksaan internal dengan menggunakan pendekatan

audit examination using a risk-based audit approach

audit berbasis risiko berdasarkan profil risiko masing-

based on the risk profile of each business unit and

masing unit kerja maupun profil risiko bank secara

overall risk profile of the bank, ensuring the practice

keseluruhan, memastikan praktik tata kelola Bank yang

of good governance Bank, ensuring the Bank's

baik, memastikan fungsi pengendalian intern Bank

internal control functions running properly, evaluate,

berjalan dengan baik, mengevaluasi, menilai dan

assess and examines the suitability of all the practices

menganalisis kesesuaian semua praktek dan kegiatan

and activities of the Bank with Bank Indonesia and

usaha Bank dengan Peraturan Bank Indonesia

other general provisions

dan

ketentuan umum lainnya. Selain bertanggungjawab kepada Presiden Direktur, dalam

pelaksanaannya,

SKAI

juga

membahas/mendiskusikan/melapor/menyampaikan hasil pengawasannya kepada Komite Audit Bank, dengan tembusan ke Dewan Komisaris dan Direktur Kepatuhan. Pengetahuan

dan

ketrampilan

pengembangan

pemeriksaan dan fungsi pengawasan/pengendalian intern Bank dalam tahun-tahun terakhir ini juga menunjukkan progress yang baik berkat berbagai hasil pembinaan Bank Indonesia yang konstruktif atas fungsi dan pelaksanaan

discuss

/

gather

insight

and

recommendations / perform monitoring and those results report to Audit Committee, with an enclosure to the Board of Commissioners and the Director of Compliance. Knowledge and skills development of supervisory and monitoring

functions / Bank's

internal control in recent years also showed good progress, thanks to the Bank Indonesia constructive coaching

prosedur

Manajemen

Risiko,

to

the

Internal

Audit

function

and

• The review of the Risk Management procedures, internal control, and governance processes,

pengendalian internal, dan proses tata kelola, •

also

The scope of Internal Audit activities include:

Ruang lingkup kegiatan SKAI mencakup: Penelaahan

SKAI

performance of duties.

tugas SKAI.

•

In addition to the President Director, practically,

Menilai sejauh mana tujuan dan sasaran kegiatan

• Assess the extent to which the goals and objectives achieved and operational activities in accordance

operasional dicapai dan sesuai dengan anggaran

with the set budget,

yang telah ditetapkan,

39

Menilai kewajaran dari informasi keuangan

•

•

Menilai efektifitas dan efisiensi penggunaan

•

fairness

of

the

financial

Assess the effectiveness and efficiency of resource use,

sumber daya, Mencakup setiap aktivitas Bank dari seluruh

•

the

information and operations of the Bank,

dan kegiatan operasional Bank, •

Assessing

•

Includes all of the Bank's activities across work units.

unit kerja.

Dalam melaksanakan tugasnya SKAI selalu berpegang

In performing its duties, SKAI always adhered to the

pada Internal Audit Charter PT Bank Mestika Dharma

Internal Audit Charter Bank Mestika that defines the

yang

yang

goals, mission, position, duties, responsibilities and

tugas,

scope of authorized activities of the Internal Auditor

wewenang, tanggung jawab dan ruang lingkup aktivitas

Division. In 2012 Top Management has amended the

SKAI. Pada tahun 2012 SKAI telah melakukan

Internal Audit Charter, which includes:

penyempurnaan terhadap Internal Audit Charter yang

• Behavior Standards / Code of Conduct,

meliputi:

• Attribute Standards,

merupakan

mendefinisikan

suatu

tujuan,

dokumen misi,

formal

kedudukan,

•

Standar Prilaku / Kode Etik,

•

Standar Atribut,

•

Standar Kinerja,

•

Standar Pelaporan dan Tindak Lanjut,

•

Standar Pengelolaan mutu,

•

dan penyesuaian lainnya, seperti pada fungsi Internal

• Performance Standards, • Standard Reporting and Follow-up, • Quality Management Standard, • and other amendments, such as the roles and job description of

Internal Control, which includes

lending activities, namely: Checking the completeness of data in a credit

Control dan Job Description yang mencakup aktifitas

application,

perkreditan, yakni:

Checking the suitability of lending procedures,

Memeriksa kelengkapan data dalam pengajuan

Checking the binding process of collateral.

kredit, Memeriksa kesesuaian prosedur pemberian kredit, Memeriksa proses pengikatan agunan.

40

Pada Tahun 2012, SKAI sebagai divisi yang ditunjuk

In the year 2012, Internal Audit Division, being

membawahi fungsi anti fraud telah melaksanakan dengan

assigned by Top Management to have the full

baik kebijakan Bank yakni zero tolerance terhadap

responsibilities for

tindakan fraud dalam setiap kegiatan operasional dan

made sure that the Bank's policy of zero tolerance

fungsional Bank. Divisi SKAI juga telah menyusun

towards any act of fraud in the Bank's operational

Pedoman Penerapan Strategi Anti Fraud dan melakukan

and functional activities implemented well. Internal

sosialisasi Anti Fraud Awareness kepada karyawan dan

Audit Division has also developed Guidelines for

nasabah Bank. Adapun sosialisasi kepada karyawan

Implementation of Anti Fraud Strategy, and fraud

dilakukan melalui in-house training dan sosialisasi

awareness, has been socialized to employees and

kepada nasabah melalui brosur dan website Bank.

customers of the Bank through in-house training and

Selama tahun 2012 SKAI telah melaksanakan Audit pada Kantor Operasional Perusahaan (KPO), Kantor Cabang, Kantor Capem dan Kantor Kas. SKAI Bank akan terus meningkatkan fungsi Audit Internal sesuai dengan kebutuhan dan kompleksitas Bank, serta pembinaan yang diberikan oleh Bank Indonesia.

anti-fraud implementation, has

brochures and the Bank website.

For the year 2012, Internal Audit Division has executed audits on Main Office (KPO), Branch , Sub Branch committed

and Cash Office. Internal Audior are to

improve

the

audit

function

in

accordance with the needs and complexity of the Bank, as well as in accordance to the coaching and discussion

provided

by

Bank

Indonesia.

Fungsi Audit Ekstern

External Audit Function

Auditor Eksternal bertanggung jawab untuk mengaudit

External auditors have the full responsibility for

laporan keuangan sesuai dengan Standar Profesional

financial statements auditing in accordance with the

Akuntan

dan

Public Accountants Professional Standards applied in

memberikan opini terhadap kewajaran laporan keuangan

Indonesia and have the full authority to express

dalam

posisi

opinion on the fairness of financial statements in all

keuangan, dan hasil kegiatan dan arus kas perusahaan

material aspects, financial positioning and results of

sesuai dengan Standar Akuntansi Keuangan yang berlaku

business, also cash flow in accordance with Financial

umum di Indonesia.

Accounting Standards applied in Indonesia.

Publik

seluruh

yang

berlaku

aspek-aspek

di

yang

Indonesia

material,

41

VI. Penerapan Manajemen Risiko termasuk Sistem Pengendalian Intern / Application of Risk Management including the Internal Control System Penerapan Manajemen Risiko Bank mengacu pada

Application of Risk Management refers to the

ketentuan Bank Indonesia yang diatur dalam PBI No.

provisions stipulated in Bank Indonesia Regulation

5/8/PBI/2003

No.. 5/8/PBI/2003 and changes PBI. 11/25/PBI/2009

serta

perubahannya

PBI

No.

11/25/PBI/2009 tentang Penerapan Manajemen Risiko

on

bagi Bank Umum dan PBI No. 13/1/PBI/2011 tentang

Commercial Banks and PBI. 13/1/PBI/2011 about the

Penilaian Tingkat Kesehatan Bank Umum serta Surat

Rating System for Commercial Banks and Bank

Edaran Bank Indonesia No. 13/23/DPNP tanggal 25

Indonesia Circular Letter No.. 13/23/DPNP dated

Oktober 2011 perihal perubahan atas Surat Edaran No.

October 25, 2011 regarding amendments to Circular

5/21/DPNP perihal penerapan Manajemen Risiko bagi

Letter No.. 5/21/DPNP concerning the application of

Bank Umum dan Surat Edaran No. 13/24/DPNP perihal

Risk Management for Commercial Banks and the

Penilaian Tingkat Kesehatan Bank Umum. Penerapan

Circular Letter. 13/24/DPNP about the Rating System

Manajemen Risiko Bank mencakup beberapa faktor

for

antara lain:

Management includes several factors such as:

Pengawasan aktif Dewan Komisaris dan Direksi

Active supervision by the Board of Commissioners

Dewan Komisaris dan Direksi bertanggungjawab atas

and Board of Directors

efektivitas penerapan Manajemen Risiko di Bank. Untuk

Board responsible for the effective implementation of

itu Dewan Komisaris dan Direksi harus memahami

Risk Management in Banks. To the Board of

risiko-risiko yang dihadapi Bank dan memberikan arahan

Commissioners and the Board of Directors should

yang jelas, melakukan pengawasan dan mitigasi secara

understand the risks faced by the Bank and provide

aktif serta mengembangkan budaya Manajemen Risiko di

clear direction, monitoring and mitigation actively

Bank. Selain itu Dewan Komisaris dan Direksi juga

and develop a culture of Risk Management at the

memastikan

Bank. In addition the Board also ensures adequate

struktur

organisasi

yang

memadai,

the

Application

Commercial

of

Banks.

Risk

Management

Application

of

for

Risk

menetapkan tugas dan tanggung jawab yang jelas pada

organizational

masing-masing

kecukupan

responsibilities are clear on each unit, as well as

kuantitas dan kualitas SDM untuk mendukung penerapan

ensuring adequate quantity and quality of human

Manajemen Risiko secara efektif.

resources to support the implementation of effective

unit,

serta

memastikan

risk management.

42

structure,

assign

tasks

and

Pengawasan aktif yang dilakukan oleh Dewan Komisaris

Active surveillance conducted by the Board of

dan Direksi dilakukan dengan :

Commissioners and Board of Directors conducted

• Komisaris

dan

Direksi

Bank

memastikan

with:

pemahaman terhadap manajemen risiko beserta

• Commissioners and the Board of Directors shall

perkembangannya melalui pemenuhan ketentuan

ensure the understanding of risk management and

sertifikasi dan penyegaran, mengikuti perkembangan

its development through regulatory compliance

peraturan

serta

certifications and refresher, keep abreast of

perkembangan

banking rules and regulations, and to know and

dan

mengetahui

dan

ketentuan

perbankan,

memahami

understand the characteristics and complexity of

karakteristik dan kompleksitas kegiatan Bank,

the development of the Bank,

• Komisaris dan Direksi Bank memastikan para pejabat eksekutif dan karyawan Bank memahami

• Commissioners and Board of Directors ensures the

dan mengimplementasikan manajemen risiko beserta

Bank's

executive

officers

and

employees

wewenang/tanggung-jawab/budaya risiko melalui

understand and implement the risk management

berbagai media yang tersedia, seperti laporan Bank,

and the authority / responsibility / risk culture

masukan dari Komite-komite yang ada dalam Bank

through various media available, such as bank

dan rapat-rapat yang diadakan.

statements, input from existing committees within the Bank and meetings held.

Kebijakan, Prosedur dan Penetapan Limit

Adequacy of Policies, Procedures and Limit Setting

Salah satu pengukuran keefektifan penerapan manajemen

One measurement of the effectiveness of the

risiko Bank adalah penyusunan kebijakan, prosedur dan

implementation

limit risiko (risk appetite dan risk tolerance), untuk itu

development of policies, procedures and risk limits

terdapat beberapa hal yang menjadi dasar dalam

(risk appetite and risk tolerance), for that there are

penyusunan kebijakan, prosedur dan limit risiko oleh

some things on which to base the development of

Bank, antara lain :

policies, procedures and risk limits by the Bank,

of

risk

management

is

the

•

Visi, misi, dan strategi bisnis Bank,

among others:

•

Karakteristik dan kompleksitas bisnis,

• Vision, mission, and strategy of the Bank's

•

Profil risiko,

•

Tingkat risiko yang akan diambil,

• The characteristics and complexity of the business,

•

Peraturan yang ditetapkan otoritas dan/ atau

• The risk profile,

praktek perbankan yang sehat.

• The level of risk to be taken,

business,

• Regulations set out the authority and / or sound banking practices.

43

Proses Identifikasi, Pengukuran, Pemantauan dan

Process of Identification, Measurement, Monitoring

Pengendalian Risiko

and Control of Risks

Bagian utama dari proses Penerapan Manajemen Risiko

The main part of the Bank's Risk Management is the

Bank

pengukuran,

process of identifying, measuring, monitoring and

pemantauan dan pengendalian Risiko untuk itu Satuan

controlling risks to the Risk Management Unit which

Kerja

secara

was formed independently of the business unit Bank

independen dari satuan kerja bisnis Bank senantiasa

always preparing risk profiles, risk assessment (risk

melakukan penyusunan profil risiko, penilaian risiko (risk

assessment) for new products and activities, review of

assessment) untuk produk dan aktivitas baru, kajian

new

kebijakan dan pedoman baru yang merupakan salah satu

implementation of the Bank's Risk Management and

wujud

serta

preparation of risk management analysis reports to

penyusunan laporan analisa pengelolaan risiko untuk

monitor risk exposure in line with the development of

memantau eksposur risiko sejalan dengan perkembangan

the business conducted by the Bank.

merupakan

proses

Manajemen

penerapan

Risiko

identifikasi,

yang

Manajemen

dibentuk

Risiko

Bank

policies

and

guidelines

which

is

an

bisnis yang dilakukan oleh Bank.

Risk taking unit Bank bertanggung jawab untuk

Bank risk taking units are responsible for the

melakukan identifikasi terhadap beberapa faktor baik

identification of some internal and external factors

internal maupun eksternal yang dapat meningkatkan

that

eksposur risiko Bank yang berpengaruh secara kuantitatif

quantitatively affect on profit and capital of the Bank.

pada profit dan permodalan Bank.

Measurement system risk exposure faced by the Bank

Sistem pengukuran eksposur risiko yang dihadapi oleh

performed well on a regular basis for the product, as

Bank dilakukan secara berkala baik untuk produk,

well as the entire portfolio of the Bank's business

portofolio maupun seluruh aktivitas bisnis Bank yang

activities to be used as a reference in the design of

akan digunakan sebagai acuan dalam melalukan desain

effective control pass to the functional activity of the

pengendalian yang efektif terhadap aktivitas fungsional

Bank. Quantitative measurement method performed

Bank. Metode pengukuran dilakukan secara kuantitatif

and/or qualitative and adapted to the characteristics

dan/atau kualitatif dan disesuaikan dengan karakteristik

and complexity of the Bank's business activities.

can

increase

the

Bank's

risk

exposure

dan kompleksitas kegiatan usaha Bank.

Pemantauan risiko dilakukan pada beberapa hal antara

Risk monitoring is done on a few things, among

lain :

others:

•

Eksposur risiko,

•

Exposure risk,

•

Toleransi risiko,

•

Tolerance of risk,

•

Kepatuhan limit internal,

•

Compliance with internal limits,

•

Stress testing.

•

Stress testing.

44

Konsistensi pelaksanaan dan penerapan kebijakan serta

Consistency of the implementation and application of

prosedur yang ditetapkan Proses pengendalian risiko

the

diterapkan sesuai dengan eksposur risiko maupun tingkat

management process is applied in accordance with

risiko yang diambil dan toleransi risiko. Penyusunan

the risk exposure and the level of risk taken and risk

Kebijakan dan Prosedur, pemisahan tugas dan wewenang

tolerance. Formulation of policies and procedures,

dan penetapan limit merupakan langkah-langkah yang

segregation of duties and powers and limits are the

dilakukan oleh Bank sebagai proses dalam melakukan

steps undertaken by the Bank in the process of doing

desain pengendalian yang efektif.

the design of effective control.

Kualitas Penerapan Manajemen Risiko

Quality of Risk Management Implementation

Kualitas

penerapan

cerminan

manajemen

penilaian

terhadap

risiko

merupakan

kecukupan

sistem

policies

and

procedures

established

risk

Quality of risk management is a reflection of an assessment of the adequacy of the risk management

pengendalian risiko untuk seluruh pilar penerapan

system for the whole of the pillars of risk management

manajemen

dan

based on the characteristics and complexity of the

kompleksitas usaha Bank. Penilaian kualitas penerapan

Bank. Assessment of the quality of risk management

manajemen risiko tersebut bertujuan untuk melakukan

aims to evaluate the effectiveness of the bank's risk

evaluasi terhadap efektivitas penerapan manajemen risiko

management is based on the scale, complexity and

risiko

berdasarkan

karakteristik

bank yang didasarkan pada skala, kompleksitas dan

level of risk that can be tolerated by the Bank.

tingkat risiko yang dapat ditoleransi oleh Bank. 4 (empat) pilar penilaian kualitas penerapan manajemen

4 (four) pillars of quality assessment of risk

risiko terdiri dari :

management consists of:

•

Tata kelola risiko .

•

Governance risk.

terhadap

Risk governance include the formulation of an

perumusan tingkat risiko yang akan diambil (risk

evaluation of the level of risk to be taken (risk

appetite) dan toleransi risiko (risk tolerance), dan

appetite) and risk tolerance (risk tolerance), and the

kecukupan pengawasan aktif oleh Dewan Komisaris dan

adequacy of active supervision by the Board of

Direksi termasuk pelaksanaan kewenangan dan tanggung

Commissioners and Board of Directors, including the

jawab Dewan Komisaris dan Direksi.

exercise of authority and responsibilities of the Board

Tata

•

kelola

risiko

mencakup

evaluasi

Kerangka manajemen risiko .

of Commissioners and Board of Directors. The risk management framework.

Kerangka manajemen risiko mencakup evaluasi terhadap

•

strategi manajemen risiko yang searah dengan tingkat

Risk management framework includes an evaluation

risiko yang diambil dan toleransi risiko, kecukupan

of the risk management strategy is in line with the

perangkat organisasi dalam mendukung terlaksananya

level of risk taken and risk tolerance, the adequacy of

manajemen risiko secara efektif termasuk kejelasan

the organization in support of the implementation of

wewenang dan tanggung jawab, kecukupan kebijakan,

effective risk management, including the clarity of

prosedur dan penetapan limit.

authority and responsibility, the adequacy of policies, procedures and limits.

45

• Proses manajemen risiko, kecukupan sumber daya

•

The process of risk management, adequacy of

human resources, and the adequacy of management

manusia, dan kecukupan sistem informasi manajemen. Proses manajemen risiko, kecukupan sumber daya

information

manusia dan kecukupan sistem informasi manajemen

Risk management process, the adequacy and

mencakup

sufficiency

evaluasi

terhadap

proses

identifikasi,

systems.

of

human

resources

management

risiko,

information systems include an evaluation of the

kecukupan sistem informasi manajemen risiko dan

process of identification, measurement, monitoring

kecukupan kuantitas dan kualitas sumber daya manusia

and control of risk, the adequacy of risk management

dalam mendukung efektivitas proses manajemen risiko.

information systems and the adequacy of the quantity

• Kecukupan sistem pengendalian risiko.

and quality of human resources in support of the

pengukuran,

Kecukupan

pemantauan

sistem

dan

pengendalian

pengendalian

risiko

effectiveness of the risk management process.

mencakup

evaluasi terhadap kecukupan sistem pengendalian intern

•

The adequacy of the risk management system.

dan kecukupan kaji ulang oleh pihak independen

Adequacy of the risk management system includes

(independent review) dalam baik baik oleh satuan kerja

an evaluation of the adequacy of the internal control

manajemen risiko (SKMR) yang mencakup metode,

system and the adequacy of the review by an

asumsi, dan variabel yang digunakan untuk mengukur

independent party (independent review) in either

dan menetapkan limit risiko maupun oleh satuan kerja

well by the risk management unit (SKMR) which

audit intern (SKAI) yang mencakup keandalan kerangka

includes methods, assumptions, and variables used

manajemen risiko dan penerapan manajemen risiko oleh

to measure and establish risk limits and by the

unit bisnis dan/atau unit pendukung.

internal audit unit (Internal Audit) which includes reliability risk management framework and risk management by business unit and / or support units.

46

VII. Penyediaan Dana kepada Pihak Terkait (related party) dan penyediaan dana besar (large exposure) / Provision of Funds to Related Parties (related party) and large exposures (large exposure) Perhitungan jumlah total baki debet penyediaan dana

Calculation of the total number of outstanding credit to

kepada debitur/grup inti disesuaikan dengan Surat

debtors / core group adjusted No.6/23/DPNP Bank

Edaran Bank Indonesia No.6/23/DPNP tanggal 31 Mei

Indonesia Circular Letter dated May 31, 2004 where

2004 dimana perhitungan debitur/group Inti di luar

the calculation of the debtor / group Inti outside

pihak terkait diperhitungkan dengan menggunakan 15

parties are calculated using 15 debtor / group.

debitur/grup.

Information on the total number of outstanding

Informasi mengenai jumlah total baki debet, pihak

balance, the fifteenth debtor / core group are as

kelimabelas debitur/grup inti tersebut dapat dilihat

follow:

pada tabel dibawah: Jumlah / Total Penyediaan Dana / Provision of

No

1

Funds

Debitur / Debtor

Kepada pihak terkait / Related Party

Nominal (Jutaan Rupiah)

10

62.335

-

-

15

1.179.506

Kepada debitur inti / Core Debtor : 2

a. individu / Individual b. grup / Group

Tabel 19. Penyediaan dana kepada pihak terkait dan debitur inti / Provision of Fund to related parties and core debtors

Posisi Debitur Inti (15 Debitur/Group) dengan posisi

Core Debtor position (15 Debtor / Group) with the

saldo per Desember 2012 sebesar 22,71%. Bank

position of the balance as of December 2012

senantiasa menjaga komitmennya kepada Bank Indonesia

amounted to 22.71%. Bank continues to maintain its

terkait Rasio Debitur Inti yang berada dibawah 25%.

commitment to Bank Indonesia regarding to Core

Langkah – langkah yang ditempuh Manajemen Bank

Debtors Ratio who are below 25%.

dalam menurunkan rasio debitur inti, antara lain:

Measures taken by the Bank Management in lowering

•

•

Mengoptimalkan dan melakukan promosi pemberian

the ratio of core debtors, among others:

KPR,

•

Optimizing and promoting granting mortgages,

Mengoptimalkan pemberian kredit kepada debitur-

•

Optimizing the provision of credit to potential

debitur potensial diluar debitur inti •

Mengurangi pemberian kredit kepada Debitur inti.

borrowers outside the core debtors •

47

Reduce the provision of credit to the Core Debtor

VIII. Rencana Strategis Bank / Bank's Strategic Plan Dalam upaya mencapai visi dan misi Bank, Bank telah

In order to achieve the vision and mission of the Bank,

menyusun rumusan langkah-langkah untuk meningkatkan

the Bank has to formulate measures to improve

kinerja dan memaksimalkan sumber daya yang ada untuk

performance and maximize existing resources to

mencapai tujuan tersebut.

achieve that goal.

Rencana Korporasi (rencana jangka panjang)

Corporate Plan (long term plan)

Adalah rencana strategis dalam jangka panjang dalam

Is a long-term strategic plan in order to achieve the

rangka mencapai tujuan Bank, merupakan sasaran yang

Bank's objectives, a target that needs to be supported

perlu didukung perumusan kebijakan dan strategi

by policy and strategy formulation.

perusahaan.

Vision Bank is a healthy bank grows naturally in an

Visi Bank adalah menjadi Bank yang sehat tumbuh

effort to encourage the growth of the national

secara wajar dalam upaya mendorong pertumbuhan

economy based on the principles of professionalism

ekonomi

and value-added banking to its customers.

nasional

dengan

berlandaskan

prinsip

profesionalisme perbankan dan nilai tambah kepada

Bank mission, namely:

nasabah.

• Develop synergies and added value to the

Misi Bank, yakni: •

Mengembangkan sinergi dan nilai tambah dengan para

•

stakeholders (stakeholders) in the region of North

pemangku

(stakeholders)

• Provide professional banking services with the

khususnya di wilayah Sumut dan Indonesia pada

application of the principles of good risk

umumnya.

management, prudent and appropriate corporate

Memberikan

kepentingan

Sumatra in particular and Indonesia in general.

pelayanan

jasa

Perbankan

yang

governance principles.

profesional dengan prinsip penerapan Manajemen

• Strengthen and develop the Bank's image, Human

Risiko yang baik, penuh kehati-hatian dan sesuai

Resources (HR) is competent and high integrity,

prinsip GCG.

and service capacity of the Bank to support the

• Memperkuat

serta

mengembangkan

citra

bank,

business development efforts.

Sumber Daya Manusia (SDM) yang kompeten dan berintegritas tinggi, serta kapasitas layanan Bank demi mendukung upaya pengembangan usaha.

48

Rencana Jangka Menengah dan Pendek (Business

Short and Medium Term Plan (Business Plan)

Plan)

Bank plans up to the year 2016 to double the size of

Rencana Bank sampai dengan tahun 2016 yakni double

Bank's assets, which would be achieved with a

the size terhadap aset Bank, yang tentunya akan dicapai

reasonable increase in business lines in accordance

secara wajar dengan peningkatan lini-lini bisnis sesuai

with the Bank's strategic plan.

dengan rencana strategis Bank .

Business Plan realistically structured, comprehensive,

Rencana

Bisnis

realistis,

and scalable with the principles of prudence and

memperhatikan

suitability Bank and supported by analysis of the

prinsip kehati-hatian serta kesesuaian Bank dan didukung

Bank's internal and external conditions and the

dengan analisa terhadap kondisi internal dan eksternal

condition of national banks.

komprehensif,

Bank

dan

disusun

terukur

secara

dengan

Bank maupun kondisi perbankan nasional. Bank supervised the implementation of the strategic Pelaksanaan rencana strategis Bank diawasi secara berkala oleh Dewan Komisaris dengan tujuan untuk mengevaluasi dan memberikan pengarahan kepada Direksi. Hasil laporan tersebut dituangkan dalam Laporan Pengawasan Rencana Bisnis yang disampaikan ke Bank Indonesia. Rencana Initially Public Offering (IPO) Bank Mestika sebesar 10 % dan Akuisisi oleh pihak RHB sebesar 40% dari kepemilikan Bank masih dalam tahap komunikasi dan menunggu petunjuk dari Bank Indonesia. Sehubungan

dengan

rencana

menyampaikanperpanjangan

tersebut

CSPA

Bank telah

(Contract

Sales

plan

on

a

regular

basis

by

the

Board

of

Commissioners in order to evaluate and provide direction to the Board of Directors. The review outlined in the Business Plan Monitoring Report submitted to Bank Indonesia. Initially Plans Public Offering (IPO) of Bank Mestika by 10% and by the acquisition of 40% of RHB Bank's ownership is still in the stage of communication and await instructions from Bank Indonesia. In connection with the plan of the Bank has submitted an extension CSPA (Contract Sales Purchase Agreement) to Bank Indonesia.

Purchase Agreement) ke Bank Indonesia.

49

IX. Transparansi Kondisi Keuangan & Non Keuangan yang Belum Diungkap dalam Laporan Lainnya / Transparency of Financial & Non Financial Statements Not Revealed in Other Kepemilikan Saham Anggota Dewan Komisaris dan

Ownership share up to 5% or more of the paid-up

Dewan Direksi yang mencapai 5 % atau lebih dari

capital of Board of Commissioners and Board of

modal disetor

Directors

Kepemilikan saham anggota Dewan Komisaris pada

Commissioners shareholding in the Bank is 0:01% of

Bank adalah 0.01% dari jumlah modal yang disetor. Pada

the total issued capital. At other companies namely

perusahaan lainnya yakni pada PT Mestika Benua Mas

PT Mestika on the Continent at 16.67% Mas, PT

sebesar 16,67%, PT Sierah Betung Indah sebesar 10%,

Indah Sierah Betung by 10%, PT Bina by 15% Fresh

PT Bina Segar Agung sebesar 15%, PT Palmtrimitra

Agung, PT Palmtrimitra INDOTAMA by 7%. PT

Indotama sebesar 7%. PT Mega Mas Plaza Bangunan

Mega Mas Plaza Building by 19%, PT Graha Surya

sebesar 19%, PT Graha Surya Perkasa sebesar 13,81%,

Perkasa was 13.81%, PT Mega Indo Perkasa by 40%,

PT Mega Indo Perkasa sebesar 40%, dan PT Bina Sawit

and PT Bina Nusantara Sawit at 12.5%. Mr. Indra

Nusantara sebesar 12,5%. Bapak Indra Halim selaku

Halim as Commissioner of PT Bank Mestika Dharma

Komisaris PT Bank Mestika Dharma juga menjabat

also serves as President Director of PT Mestika

sebagai Direktur Utama pada PT Mestika Benua Mas.

Continent Mas.

Dewan Komisaris

Kepemilikan Saham Anggota Dewan Komisaris yang Mencapai 5% atau Lebih dari Modal Disetor / Ownership share up to 5% or more of the paid-up capital of Board of

Board of Commissioners

Commissioners

Witarsa Oemar Indra Halim

Nihil /Nil PT Bank Mestika Dharma

0,01%

PT Mestika Benua Mas

16,67%

PT Sierah Betung Indah

10%

PT Bina Segar Agung

15%

PT Palmtrimitra Indotama

7%

PT Mega Mas Plaza Bangunan

19%

50

PT Graha Surya Perkasa

13,81%

PT Mega Indo Perkasa

40%

PT Bina Sawit Nusantara

12,5%

Katio

Nihil / Nil

Boing Sudrajat

Nihil / Nil

Tabel 20. Kepemilikan saham Dewan Komisaris / Shareholding Commissioners

Kepemilikan saham Anggota Direksi baik secara sendiri-

The Directors shareholdings either individually or

sendiri atau bersama-sama tidak memiliki saham

jointly have more than 25% (twenty five percent) of

melebihi 25% (dua puluh lima perseratus) dari modal

the paid up capital of the Bank and or of another

disetor pada Bank dan atau pada suatu perusahaan lain,

company, the overall ownership of members of the

yakni secara keseluruhan kepemilikan anggota Direksi

Board of Directors of the Bank amounted to 0.01%.

pada Bank sebesar 0.01%. Sebagian besar saham dikuasai

Most of the shares owned by PT Mestika Continent

oleh PT Mestika Benua Mas. Kepemilikan saham

Mas. Stock ownership of the directors at other

anggota direksi pada perusahaan lainnya yakni pada PT

companies namely PT Mestika on the Continent at

Mestika Benua Mas sebesar 16,67%, PT Sierah Betung

16.67% Mas, PT Indah Sierah Betung by 10%, PT

Indah sebesar 10%, PT Bina Segar Agung sebesar 20%,

Bina by 20% Fresh Agung, PT Palmtrimitra

PT Palmtrimitra Indotama sebesar 7%, PT Boga Indo

INDOTAMA by 7%, PT Indo Sukses Mandiri Boga by

Sukses Mandiri sebesar 24 %, PT Mega Indo Perkasa

24% , PT Mega Indo Perkasa by 25%, PT Bina

sebesar 25%, PT Bina Sawit Nusantara 12.5%.

Nusantara Sawit 12.5%.

Dewan Direksi

Kepemilikan Saham Anggota Dewan Direksi yang Mencapai 5% atau Lebih dari Modal Disetor / Ownership share up to 5% or more of the paid-up capital of

Board of Directors

Board of Directors


Hendra Halim

Nihil / Nil

PT Bank Mestika Dharma

0,01%

PT Mestika Benua Mas

16,67%

51

PT Sierah Betung Indah

10%

PT Bina Segar Agung

20%

PT Palmtrimitra Indotama

7%

PT Boga Indo Sukses Mandiri

24%

PT Mega Indo Perkasa

25%

PT Bina Sawit Nusantara

12,5%

Leo Setia

Nihil / Nil

Yusri Hadi

Nihil / Nil

Andy

Nihil / Nil

Tabel 21. Kepemilikan saham Dewan Direksi / Board of Directors Shareholding

Hubungan Keuangan dan Hubungan Keluarga

Financial Relationships and Family Relationships

Anggota Dewan Komisaris dan Direksi dengan

Members of the Board of Commissioners and

Anggota

Directors with the Other member of Board and / or

Dewan

Komisaris

Lainnya,

Direksi

Lainnya dan/atau Pemegang Saham Pengendali

Controlling Shareholders of the Bank

Bank Hubungan Keuangan dengan / Financial

Hubungan Keluarga dengan / Family Relationship

Relationship with

with

Dewan

Dewan

Dewan

Dewan

Komisaris /

Direksi /

Board of

Board of

Commissioners

Directors

Pemegang Saham Komisaris /

Direksi /

Board of

Board of

Commissioners

Directors

Pemegang Saham

Pengendali / Controlling

Pengendali / Controlling

Shareholder

Shareholder

Dewan Komisaris / Board of Commissioners Witarsa ×

×

×

×

×

×

×

×

×

×

×

×

Oemar Katio

52

Indra Halim

×

×

×

×

√

√

×

×

×

×

×

×

×

×

×

×

×

×

Hendra Halim

×

×

×

√

×

√

Leo Setia

×

×

×

×

×

×

Yusri Hadi

×

×

×

×

×

×

Andy

×

×

×

×

×

×

Boing Sudrajat Dewan Direksi / Board of Directors Achmad

S.

Kartasasmita

Tabel 22. Hubungan kekeluargaan antara Dewan Komisaris dan Direksi / Family Relationship between the Commissioners and Directors

Remuneration Policy and Other Facilities for the Board of Commissioners and Board of Directors • Remuneration policy and other facilities for members of the Board of Commissioners and Board of Directors are stipulated by Shareholders General Meeting, namely salary, bonuses and regular allowances. • Disclosure of remuneration policy.

Paket/Kebijakan Remunerasi dan Fasilitas Lain bagi Dewan Komisaris dan Direksi • Paket/kebijakan remunerasi dan fasilitas lain bagi anggota Dewan Komisaris dan Direksi yang ditetapkan melalui Rapat Umum Pemegang Saham Bank yakni gaji, bonus dan tunjangan rutin. • Pengungkapan paket/kebijakan remunerasi.

Jumlah Diterima dalam Tahun 2012 / Amount Received in year 2012 Dewan Komisaris / Jenis Remunerasi dan

Dewan Direksi / Board of Board of

No.

Fasilitas lain / Remuneration Classification

Directors Commissioners

and Other Facilities Jutaan / Orang /

Orang /

Jutaan / Millions

Person

Rupiah

Millions Person

53

Rupiah

Remunerasi (gaji, bonus, tunjangan rutin,

1

tantiem, dan fasilitas lainnya dalam bentuk non-natural). / Remuneration (salary, bonus, 4

3.508,6

5

10.499,8

a.dapat dimiliki; / be owned;

-

-

-

-

b. tidak dapat dimiliki. / can not be owned.

-

-

1

228,9

regular allowance, bonus, and other facilities in

the

form

of

non-natural).

Fasilitas

lain

(perumahan,

dalam

bentuk

transportasi,

natura asuransi

kesehatan dan sebagainya) yang / Other

2

facilities in kind (housing, transportation, health insurance and so on) that *) :

Total

3.508,6

10.728,7

Tabel 23. Paket Kebijakan Remunerasi Dewan Komisaris dan Direksi / Remunerasi Policy Package Commissioners and Directors

Jumlah anggota Dewan Komisaris dan Direksi yang

Members of the Board of Commissioners and Board of

menerima paket remunerasi selama Tahun 2012 yang

Directors who received remuneration package for year

dikelompokkan dalam kisaran tingkat penghasilan,

2012, classified into the range of income criteria, as

sebagai berikut:

follows:

Jumlah Remunerasi per Orang dalam tahun 2012 / Number of

Jumlah

Jumlah

Remuneration per People in 2012

Direksi / Total Directors

Komisaris / Total Commissioner

2

-

3

1

-

3

Di atas Rp. 2milyar. / Over Rp. 2 billion Di atas Rp.1milyar s.d Rp. 2milyar. / Over Rp. 1 billion until Rp. 2 billion Di atas Rp.500juta s.d Rp. 1milyar. / Over Rp. 500 million until Rp. 1 billion

54

Rp. 500juta ke bawah. / under Rp. 500 -

-

million Tabel 24. Jumlah Remunerasi Dewan Komisaris dan Direksi / Amount of Remuneration of Directors and Board of Commissioners

55

Shares Option

Shares Option Option Shares owned by the Commissioner, the Board of Directors, and Executive Officers

Shares Option yang dimiliki Komisaris, Direksi, dan Pejabat Eksekutif

Jumlah opsi yang diberikan / Total of options granted Jumlah saham yang dimiliki

Yang

yang telah

Harga opsi /

(lembar saham) /

diberikan

dieksekusi

Option price

Total of shares

(lembar

(lembar saham)

(Rupiah)

held (shares)

saham) /

/ has been

Given

executed

(shares)

(shares)

Keterangan/ Nama / Description / Name

Komisaris

Jangka Waktu / Period

Witarsa Oemar

-

-

-

-

-

Indra Halim

69

-

-

-

-

Katio

-

-

-

-

-

-

-

-

-

-

/

Commissioners Boing Sudrajat Direksi /

Achmad S.

Directors

Kartasasmita

-

-

-

-

-

Hendra Halim

69

-

-

-

-

Leo Setia

-

-

-

-

-

Yusri Hadi

-

-

-

-

-

Andy

-

-

-

-

-

Officers

69

-

-

-

-

Total

207

-

-

-

-

Pejabat Eksekutif

/

(Jumlah) /

Executive

Total

Tabel 25. Shares option

56

Rasio Gaji Tertinggi dan Terendah(per bulan)

Ratio of Highest and Lowest Salary (monthly)

• Rasio gaji pegawai yang tertinggi dan terendah adalah

• Ratio of staff salaries are the highest and the lowest is 36 to 1,

36 berbanding 1,

• Ratio of salary of the highest and the lowest was

• Rasio gaji Direksi yang tertinggi dan terendah adalah

1.8 to 1,

1,8 berbanding 1,

• The ratio of the highest salaries of Commissioners

• Rasio gaji Komisaris yang tertinggi dan terendah

and the lowest was 2 to 1,

adalah 2 berbanding 1, • Rasio

gaji

Direksi

tertinggi

dan

• The ratio of the highest salaries and employee

pegawai

Directors the lowest is 2 to 1.

tertinggi.adalah 2 berbanding 1. Jumlah Penyimpangan (Internal Fraud)

Number of misappropriation (Internal Fraud)

Pada Tahun 2012 Bank telah mengimplementasikan

In the year 2012, Bank has implemented anti-fraud

strategi anti fraud dalam aktifitas operasional dan

strategy in

fungsional Bank yang dituangkan dalam Pedoman

outlined in the Guidelines for Implementation of Anti-

Penerapan Strategi Anti Fraud Bank. Selama tahun 2012

Fraud Strategy Bank. In the year of 2012, Bank

tidak terjadi adanya tindakan maupun indikasi tindakan

recorded zero event of internal fraud, and 1 (one)

fraud oleh pihak internal, namun terjadi 1 (satu) kejadian

event of external

tindakan fraud yang dilakukan oleh pihak eksternal yang

external parties with no loss happened.

operating and functional activities as

fraud indication performed by

tidak menimbulkan kerugian Bank. Jumlah kasus / Total case Pegawai tidak tetap / Internal Fraud dalam 1 tahun

Total Fraud Telah

diselesaikan

/

Has

Pengurus /

Pegawai tetap /

Non-Permanent

Management

Permanent employee

employee

2011

2012

2011

2012

2011

2012

-

-

-

-

-

-

been

completed

-

-

-

Dalam proses penyelesaian di Bank / in the settlement process in banks

-

-

-

-

-

-

-

-

-

-

-

-

Belum diupayakan penyelesaiannya / settlement has not been sought

57

Telah ditindak lanjuti melalui proses hukum / Has been followed up through the legal process

-

-

-

Tabel 26. Jumlah penyimpangan / Number of Irregularities

Permasalahan Hukum

Legal Issues

Sepanjang tahun 2012 permasalahan hukum dan upaya

Throughout 2012 and the settlement of legal issues which occured as follows:

penyelesaian yang terjadi sebagai berikut:

Jumlah / Total Permasalahan Hukum / Legal Issues Perdata / Civil

Pidana / Crime

3

0

6

0

9

0

Telah selesai (telah mempunyai kekuatan hukum yang tetap) /

Has been completed

(already have permanent legal force) Dalam proses penyelesaian / in the settlement process Total

Perkembangan proses penyelesaian permasalahan hukum

Bank has Legal issues in solving progress as many

atas 6 (enam) kasus yang masih dalam proses

as 6(six) cases, in which currently 4 (four) cases are

penyelesaian, saat ini ada 4 (empat) kasus sedang dalam

being processed in the Supreme Court and two (2)

proses di Mahkamah Agung dan 2 (dua) kasus masih

cases in appealing process to the High Court.

dalam proses pengajuan banding ke Pengadilan Tinggi.

58

Transaksi yang Mengandung Benturan Kepentingan

Conflict of Interest Transactions

Pada tahun 2012 ini tidak terdapat adanya transaksi yang

In 2012, No occurance of transaction which

terindikasi mengandung benturan kepentingan.

indicated a conflict of interest.

Buy Back Shares dan/atau Buy Back Obligasi Bank

Buy Back Shares and / or the Bank's Buy Back Bonds

Bank pada saat ini belum Go Public, sehingga untuk saat

As a private holding company, there is no

ini tidak ada transaksi buy back shares dan buy back

transaction of buy back shares and no transaction

obligasi Bank. Bank berencana akan melakukan IPO

of buy back Bank bond. Bank plans to go public in

pada tahun 2013.

2013.

Pemberian Dana untuk Kegiatan Sosial

Corporate Social Responsibility

Selama tahun 2012, Bank turut aktif dalam meningkatkan

During 2012, the Bank participated actively in

kesejahteraan

kegiatan-kegiatan

improving the welfare of the community through

sosial. Peran aktif yang dilakukan Bank diwujudkan

social activities. Bank donated to the victims of

dalam bentuk sumbangan untuk korban bencana alam,

natural disasters, the elderly, religious ceremony

lansia, aktifitas upacara keagamaan, fakir miskin,

activities, needy, sport event and other social

keolahragaan serta aktifitas sosial lainnya. Secara

activities. Overall, the Bank has provided amount of

keseluruhan Bank telah memberikan dana sebesar 163

163 million Rupiahs.

juta rupiah.

Bank is commited to participate in aiding and

Program Corporate Social Responsibility merupakan

supporting the welfare of society, and Corporate

komitmen Bank dalam ikut mensejahterakan masyarakat

Social Responsibility has become obligation for

yang berpedoman pada prinsip tata kelola yang baik.

Bank Corporate governance.

masyarakat

melalui

59

Kesimpulan

Conclusion

Sesuai dengan hasil self assessment yang dilakukan oleh

The result of self-assessment conducted by the Bank

Bank yang mencakup aspek-aspek:

which includes the following aspects:

• Pelaksanaan tugas dan tanggung jawab Dewan

• Performance of duties and responsibilities of the Board of Commissioners,

Komisaris,

• Performance of duties and responsibilities of the

• Pelaksanaan tugas dan tanggung jawab Direksi,

Board of Directors,

• Kelengkapan dan pelaksanaan tugas Komite,

• Adequacy and Performance of duties by the

• Penanganan benturan kepentingan,

Committees,

• Penerapan fungsi kepatuhan Bank, • Penerapan fungsi audit intern,

• Conflicts of interest management,

• Penerapan fungsi audit ekstern,

• Implementation of Bank compliance function,

• Fungsi

manajemen

risiko

termasuk

• Implementation of internal audit function,

sistem

• Implementation of external audit function,

pengendalian intern,

• Implementation of risk management and internal

• Penyediaan dana kepada pihak terkait (related party)

control system,

dan debitur besar (large exposures),

• Provision

• Transparansi kondisi keuangan dan non keuangan,

of

funds

to

related

partylarge

exposures,

laporan pelaksanaan Good Corporate Governance dan

• Transparency

pelaporan internal,

of

Bank financial

and

non

financial condition,GCG Report and internal

• Rencana strategis Bank.

report, • Bank strategic plan

60

Hasil self assessment yang dilakukann menunjukkan nilai

Self-assessment results conducted show the mean

komposit 2.9500 yang berarti Tata Kelola Bank berada

composite score of 2.950 .950 on Bank Governance title

pada predikat “CUKUP BAIK”.

of "FAIRLY GOOD".

Demikian Risalah Laporan Pelaksanaan GCG Bank tahun

Thus we end our GCG Implementation Report for

20122 ini, Kami menyampaikan Terima kasih yang sedalam-dalamnya dalamnya

2012. Special thanks to Bank Indonesia for their

kepada Bank Indonesia dan para

continual guidance and endless effort to make better

Stakeholders ers atas pembinaannya yang membuat kualitas penerapan

dan

pelaksanaan

GCG

Bank

our banking governance, to our stakeholders on

semakin

fostering the implementation and nurturing our

berkembang dan berjalan dengan baik.

Bank Governance becoming better. bet

PT BANK MESTIKA DHARMA

Dewan Komisaris

Dewan Direksi

Witarsa Oemar


Presiden Komisaris

Presiden Direktur

61

LaporanPelaksanaan Good Corporate. Governance. PT Bank Mestika Dharma

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