Maintaining Performance in a Year of Challenges
Daftar Isi Halaman
Ikhtisar Utama Main Overview 6 Sekilas Bank Ina Bank Ina At A Glance 7 Piagam & Sertifikat Awards & Certificates 8 Kaleidoskop 2015 2015 Caleidoscope 10 Kinerja dan Strategi 2015 2015 Performacen and Strategy 12 Ikhtisar Data Keuangan Penting Financial Highlights 18 Ikhtisar Saham Stock Overview Laporan Dewan Komisaris dan Direksi Board of Commissioners’ and Board of Directors’ Report 22 Laporan Dewan Komisaris Board of Commissioners’ Report 28 Laporan Direksi Board of Directors’ Report 35 Surat Pernyataan Anggota Dewan Komisaris dan Direksi Statement of Members of the Board of Commissioners and Board of Directors Profil Perusahaan Company Profile 38 Identitas Perusahaan Corporate Identity 41 Bidang Usaha Line of Business 44 Visi, Misi dan Landasan Pencapaian Vision, Mission and Achievement Platform 46 Sejarah Perseroan Company History 47 Struktur Organisasi Organization Structure 48 Struktur Kelompok Usaha Business Group Structure 49 Uraian nama Pemegang Saham dan Prosentase Kepemilikan Shareholders’ Name and Ownership Percentage 51 Pemegang Saham Yang Merupakan Institusi Institutional Shareholders 54 Profil Dewan Komisaris Board of Commissioners’ Profile 59 Profil Direksi Board of Directors’ Profile 66 Group Head 62 Pimpinan Cabang dan Cabang Pembantu Branch Managers 63 Kronologis Pencatatan Saham Shares Listing Chronology 66 Nama & Alamat Lembaga dan Profesi Penunjang Pasar modal/ Name & Address of Institution and Capital Market Supporting Professionals Kebijakan Dividen Dividend Policy 68 Program Kepemilikan Saham Oleh Karyawan yang Dilaksanakan Perusahaan (ESOP) Employees Shares Ownership Program 69 Realisasi Penggunaan dana Hasil Penawaran Umum/Utilization of funds from Public Offering 70 Produk dan Jasa Products and Services 74 Jaringan Kantor Network Offices
Analisa dan Pembahasan Manajemen Management Discussion and Analysis 79 Perekonomian Indonesia 2015 2015 Indonesian Economy 82 Kinerja Perbankan Nasional 2015 National Banking Performance in 2015 84 Tinjauan Bisnis Bisnis View 87 Kinerja Bank 2015 Bank Performance in 2015 Good Corporate Governance 98 Pendahuluan Introduction Penerapan Tata Kelola Perusahaan yang Baik Implementation of Good Corporate Governance 100 Dewan Komisaris Board of Commissioners 104 Direksi Board of Directors 125 Frekuensi Rapat Dewan Komisaris bersama Direksi Frequency of Joint Board Meeting 142 Fungsi Audit Intern Internal Audit 148 Fungsi Kepatuhan Compliance 147 Satuan Kerja Manajemen Risiko Risk Management Unit 159 Penerapan Program APU & PPT Implementation of APU and PPT Program 150 Pemegang Saham Pengendali Controlling Shareholders 150 Kepemilikan Saham Anggota Dewan Komisaris dan Direksi/Shares Ownership of Board of Commissioners and Board of Directors 151 Hubungan Keuangan dan Hubungan Keluarga Anggota Financial and Family Relationships between Member of 151 Dewan Komisaris dan direksi Board of Comissioners and Board of Directors 152 Paket/Kebijakan Remunerasi dan Fasilitas Lain Bagi Dewan Komisaris dan Direksi/Remuneration Package Policy and Other Facilities For Board of Commissioners and Board of Directors 152 Share Option 153 Rasio gaji Tertinggi & Terendah Highest & Lowest salary ratio 153 Penyimpangan Internal (Internal Fraud) 154 Permasalahan Hukum Legal issues 155 Transaksi yang Mengandung Benturan Kepentingan Transactions with Conflict of Interest 156 Buy back Shares dan Buy Back Obligasi bank Shares Buy Back and Bank Obligation Buy Back 156 Penyediaan Dana Kepada Pihak Terkait (Related Party) dan penyediaan Dana Besar dan Penyediaan Dana Besar (Large Exposure)Provision of Funds To Related Parties and Provision of Large Exposure Funds 157 Rencana Strategis Bank Bank’s Strategic Plan 163 Fungsi Audit Eksternal External Audit 163 Transparansi Kondisi Keuangan dan Non Keuangan Bank yang Belum Diungkap dalam laporan Lainnya Financial and Non-Financial Transparency
Not Yet Reported 164 Pemberian Dana Untuk Kegiatan Sosial Funding for Social Activities Kode Etik Code of Ethics 165 Sekretaris Perusahaan Corporate Secretary 166 Sistem Pengendalian Intern Internal Control System 172 Whistle Blowing System 174 Laporan Sistem Teknologi Informasi Information Technology Systems report 175 Prospek dan Pengembangan Usaha 2016 Prospects and Business Development in 2016 Manajemen Risiko Risk Management 177 Pendahuluan/Introduction 178 Penerapan Manajemen Risiko/Implementation of Risk Management 179 Pengungkapan Permodalan dan Eksposur Risiko/Disclosure of Capital and Risk Exposure Sumber Daya Manusia Human Resources Development Corporate Social Responsibility
